Market Overview

Lobel Financial Selects FactorTrust as Alternative Credit Bureau for Auto Risk Decisioning

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Proprietary, real-time alternative credit data to enable more
complete analysis of its underwriting portfolio

FactorTrust®, The Alternative Credit Bureau™, today announced the
addition of Lobel Financial to its growing list of financial service
companies implementing its alternative credit data into their credit
decisioning process.

Lobel Financial, a consumer finance company specializing in purchasing
and servicing automobile contracts from independent and franchised
automobile dealers, is using FactorTrust data in a custom scorecard to
augment other inhouse credit strategies.

The company selected FactorTrust to implement its alternative credit
data to help them achieve more lift and better separation of good and
poor credit performers.

"We looked closely at what FactorTrust could offer, and decided that its
many attributes, delivered in real-time, would help us best reach our
goal of establishing enhanced segmentation for the development of our
new internal scorecard," said Lobel Financial President Harvey Lobel.

"Using alternative credit data is a proactive choice for industry
leaders like Lobel Financial, who are faced with the challenge of
effectively and intelligently managing risk on the underbanked market,"
said FactorTrust CEO Greg Rable. "The addition of FactorTrust's
proprietary data opens up their options in determining the best credit
performers for their business. It allows a complete picture of
consumers, who are often considered credit invisible, but are really
just credit inaccurate due to lack of data."

FactorTrust has long-provided alternative credit data, analytics and
risk scoring information that lenders need to make informed decisions
about consumers. It is differentiated from the Big 3 bureaus by its more
than 250 million unique, behavioral and transactional data points
untapped by these traditional sources.

About FactorTrust

FactorTrust,
The Alternative Credit Bureau, is relentlessly dedicated to proven
analytics and clean credit information that provide lenders and
financial service providers opportunities to grow more revenue, meet
compliance regulations and serve more consumers with more credit
options. At the core of FactorTrust is alternative credit data analytics
and risk scoring solutions not available from the Big 3 bureaus.
FactorTrust alternative credit data and analytics accurately predicts
risk and the ability to repay near and non-prime consumer loans in
real-time. The company's solutions enable financial service companies an
opportunity to uncover creditworthy prospects that are not surfacing via
traditional credit sources. Headquartered in Atlanta, the experienced
FactorTrust team has delivered unique data and valuable insight to U.S.
lenders for more than 10 years. For more information on the FactorTrust Underbanked
Index – Auto version
or the company itself, visit www.factortrust.com.

About Lobel Financial

Lobel
Financial
is an indirect motor vehicle sales company specializing in
purchasing and servicing motor vehicle contracts from independent and
franchised automobile dealers who have prime and non-prime consumers
purchasing new and used automobiles. Lobel Financial offers wide
spectrum financing to dealers, financing all types of consumers with
varying credit profiles. The company is managed by the four Lobel
brothers, along with their experienced management team.

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