1. LMN & Associates, 2011 LMN & Associates Automotive Financial Solution Experts

2. 2 LMN & Associates, 2011 Allows you to make your own loan approval No recourse “YOU OWN THE NOTE!” Structure your deals NO GUESS WORK Proven cash flow method NO POOLS!

3. 3 LMN & Associates, 2011 You decide which customer fits your program You decide what cars fit your program You set the selling price You decide when to repo You maximize more money per deal

4. 4 LMN & Associates, 2011 It really means no recourse! It’s your car, it’s your deal. VION allows you to resell the car with a new loan, and, because we never pool your loans, you keep your profits.

5. 5 LMN & Associates, 2011 With a minimum of 10% down and VION’s common sense check list, you decide who goes with what car today. Funding has never been this easy!

6. The warranty program is custom designed to: Keep cars on the road Keep customers paying Keep customers coming back to Keep service dollars in the dealer's hands 6 LMN & Associates, 2011

7. The VION Car Dealer program provides you with every tool needed to assure each deal will make money. The three easy steps are as follows: 1. Complete the check list 2. Install the iPAY device 3. Keep a relationship with the customer through the life of the loan. ALL THIS ADDS UP TO YOU SELLING MORE CARS! 8 LMN & Associates, 2011

8. 9 LMN & Associates, 2011 LMN & Associates Don Elleman was integral in the sales effort to launch iPAY/OnTime product over ten years ago. In 2010, Don and VION Investments designed a simple, but profitable Buy Here, Pay Here funding program. LMN & Associates remains the premier distributor in both sales and support. “CASH FLOW IS KING!”, says Don. Don Elleman, President 816-898-8295 don@lmnassociates.com Chris Elleman, Finance Specialist 816-392-6398 chris@lmnassociates.com 101 Sky-Vue Drive, Suite G Raymore, MO 64083 www.lmnassociates.com VION VION Receivable Investments www.vioninv.com Legendary Service and Support