FOR MORE INFORMATION CALL 832-767-4759 OR VISIT WWW.BHPHINFO.COM

Hampton Inn Monroe2368 Roland Dr.Monroe, NC 28110Phone: (704) 220-2200

Ballantyne Hotel and Lodge10000 Ballantyne Commons Pkwy.

Charlotte, NC 28277Phone: (704) 248-4000

gewy.7700

Saturday AM 1. Introductions: • Meet Ken Shilson and Ingram Walters • Meet BHPH department managers • Critical Decisions Checklist • Receive Ingram’s complete Buy Here, Pay Here Policy and Procedure Manual AND his Employee Handbook 2. “Why BHPH Makes Sense”: • Up to 70% of all consumers had credit issues • Access to inventory • Access to capital • Excess facilities • New profit center • Other synergies 3. The Critical Departments: a) Inventory acquisition b) Reconditioning service c) Sales/marketing d) Underwriting/verification e) Collection/recoveries f) Finance/accounting/monitoring g) Compliance 4. Tours: • Tour Reconditioning Facility • Initial Test Drive Area • Get Ready • Detail Department

• Distribution • Tour the Finance Company • Tour Underwriting and Verification Offices – payment and collection offices • Tour Marketing Department • Receive a copy of Ingram’s TV Commercials • Learn what marketing works and doesn’t work • Tour Sales Lot • Loan Closing Offices 5. Developing your Business Model: (Not Just One Way) a) Capital needed b) Paper profits and taxes c) Cash efficiency d) ROI e) Money on the street f) Managing risk g) Other 6. Pay Plans for Success 7. Structuring Your Operation Key Decisions: a) RFC (Related Finance Company) b) Centralization vs. decentralization c) In house vs. outside service/recon d) Separate lot or part of used car operations e) Key personnel & where to find them f) Debt needed g) Equity needed h) Metrics/monitoring

i) Credit scoring j) DMS systems/processes k) Professional team, banker, CPA, lawyer l) Pursue recoveries m) Payment devices/technology solutions n) Website 8. Underwriting: Best Practices 9. Collection: Best Practices 10. Compliance: Best Practices 11. Avoiding the “Ten Fatal Pitfalls “ 12. Benchmarks/Trends/Financial Evaluation 13. Where to Get More Knowledge • Specialized BHPH training like NABD • Networking with other operators • Reading • Consultants • Twenty groups • Lawyer • State dealer association 14. Strategies for Funding Capital a) Line of credit b) Selling contracts c) Equity d) Borrowing from market e) Other 15. Action Plan 16. Q & A 17. Adjourn – Sunday

Weekend in Charlotte, North Carolina – August 2-3, 2014(Subject to Change)

ATTENDEES WILL RECEIVE: Comprehensive Procedures ManualEmployee Handbook • Projection Software • Tour of All iCars Facilities

FOR MORE INFORMATION CALL 832-767-4759 OR VISIT WWW.BHPHINFO.COM

Ingram Walters - Owner, iCarsA franchise dealer, Ingram is also one of the nation’s leading BHPH dealers. For the last 14 years, Ingram has been Master of Ceremonies at all NABD events and is an industry leader. Ingram is a passionate entrepreneur and businessman who owns and operates companies that are focused in the Buy Here, Pay Here (BHPH) industry and real estate development. Known for his sense of humor, he has been the featured speaker at several national automotive conventions and politi-cal events. Ingram is one of the most high-profile BHPH dealers in the United States. From a debt management and cost control perspective, many consider him to be one of the best dealers in the country. Although he did not start the BHPH industry, in his more than 15 years in the industry he certainly has had a hand in re-inventing it. Ingram will share all his proven tips, policies and practices with boot camp attendees!

Ken Shilson, CPA - President and Founder, NABDKen Shilson has over 25 years of experience working within the BHPH industry as a CPA, consultant, and analyst. He has helped pioneer an IRS-approved tax strategy regarding the use of a related finance company. Ken has authored numerous articles on accounting, tax and other matters relating to the the BHPH industry. He has traveled America while consulting with BHPH dealers large and small. Ken is President of Subprime Analytics, a consulting company which provides portfolio performance analysis services and due diligence for banks and financial insti-tutions who provide capital to the industry. As an analyst, Ken has prepared nationally recog-nized BHPH benchmarks for the last 15 years. He has developed proven ‘best practice’ tips for both underwriting and collections. Ken brings a financial perspective to BHPH operations.

“If you’re not attending the conferences and this Boot Camp, especially, you’re getting left behind.” – Woody Dew, Seymour, Tennessee

“The money I spent was well worth it. It’ll pay for itself ten times over.” – Waylon Henson, Charlotte, North Carolina

“I’ve spent two days here and I learned what it would take me two years on my own.” – Donnie McCoy, Greeneville, Tennessee

“This Boot Camp was absolutely fantastic! The information was invaluable.” – Ed Bass, Chicago, Illinois

“We’ve been in the buy here, pay here business for forty-eight years. This two-day Boot Camp was far and away the best money we’ve ever spent.” – Joyce Caudill, Walton, Kentucky

“It was a great opportunity to spend five thousand dollars to avoid making millions of dollars’ worth of mistakes.” – Marty Casey, Scranton, Pennsylvania

FAX APPLICATION TO 713-680-BHPH (2474) OR REGISTER ONLINE @ WWW.BHPHINFO.COM

Signature of Cardholder _______________________________________________________________ Date ______________________________________

MAKE YOUR HOTEL RESERVATION ONLINE - SEE WWW.BHPHINFO.COM5

FOR MORE INFORMATION: CALL 832-767-4759, ASK FOR REGISTRATION4

FULL NAME _______________________________________________ TITLE ________________________

COMPANY _______________________________________________________________________________

ADDRESS ________________________________________________________________________________

CITY ________________________________________ STATE ______ ZIP __________________________

PHONE _____________________________________ FAX _______________________________________

E-MAIL ______________________________________ WEB SITE __________________________________

2nd PERSON _______________________________________________ TITLE ________________________

1

Please fax to 713-680-2474 or email to joe@bhphinfo.com.

CARD NO. ________________________________________________ EXPIRES: _____________________

NAME ON CARD _________________________________________________________________________

ADDRESS ________________________________________________________________________________

CITY ________________________________________ STATE ______ ZIP __________________________

1 Person from Dealership / Company . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $3,995. per personAdditional Person(s) from Dealership / Company (max 2 per company) . . . $1,000. per person

ENTER YOUR TOTAL HERE: . 00 TOTAL

BRING ALL YOUR KEY EMPLOYEES!2

SELECT PAYMENT METHOD AND FAX THIS FORM TO 713-680-BHPH (2474)3

Make Checks Payable To: NABD2180 North Loop W, Suite 270Houston, TX 77018-8014

Driver License # ___________________________________________________________

State ______________________________ D.O.B. ______________________________

Please charge my: Visa Mastercard

Discover American Express

I, the Cardholder, understand the above statements and agree to abide by the "No Refunds" policy.

* CREDIT CARD CHARGES are refundable in accordance with the Cancellation Conditions below.CHARGE AGREEMENT - This cardholder agrees to pay the amount entered above to the NABD Conference. No refunds are allowed except as indicated below. The cardholder agrees not to dispute this charge with the credit card company. This document may be used as proof of goods or services purchased.CANCELLATION CONDITIONS: If a registrant is unable to attend, substitutions are welcome. NABD should be notified promptly of any substitutions. If a registrant cancels in writing on or before July 18, 2014, they are entitled to a refund less $400. cancellation fee per dealership/company. Registrants who do not attend or do not cancel in writing on or before July 18, 2014 are liable for the full conference fee.