2017 User Conference Nashville, September 20-22

AGENDA INTRODUCTION

USER 2017 CONFERENCE

Dear AFG current and prospective lenders, dealers and broker partners,

We are thrilled to welcome you one more year at AFG’s Annual User Conference. We have designed the conference to provide you with a wealth of content on auto fi nancing trends from industry experts as well as best practices in real life scenarios from other AFG program user-experts.

We hope you enjoy the conference and your time in Nashville. Please don’t hesitate to give us feedback during the conference and we hope you will fi ll out our post-event survey to help us make the 2018 User Conference an even bigger success.

Best regards,

Richard Epley CEO OMNI HOTEL NASHVILLE

Map of Events

LEVEL TWO

TERRACE

SERVICE ELEVATORS

W M M W

6 A B C D A B C

5

E D BROADWAY LEGENDS COUNTRY MUSIC BALLROOM BALLROOM 4 HALL OF FAME THEATER SERVICE PREFUNCTION PREFUNCTION 3 F MUSIC ROW 1-6 E F G THURSDAY 2 COUNTRY MUSIC PREFUNCTION HALL OF FAME G H J K 1 LOBBY DINNER M GRAND STAIRS ELEV. W

PREFUNCTION WELCOME PREFUNCTION GUESTROOM ESCALATORS RECEPTION ELEVATORS TO LOBBY

LEVEL THREE

6

5

LEVEL FOUR 4 BREAKFAST/

3 LUNCH ACOUSTIC

2 CUMBERLAND 1-6 AFG USERELECTRIC BALCONY 1 CONFERENCE SESSIONSBASS

OLD HICKORY GIBSON 4 3 2 1 BOARDROOM

MOCKINGBIRD MEETING ROOMS 1-4 SCHEDULE Wednesday September 20

Event Location Time

Golf Outing Bus departure Omni Lobby 11:00 AM Lunch at Clubhouse Cumberland View Room 12:00 – 1:00 PM Shotgun start/Golf Gaylord Springs Golf Links 1:15 – 5:30 PM

Spa treatment Mokara Spa @ Omni By appointment

Welcome reception Grandview Terrace @ Omni 7:00-9:00 PM

Drinks at Tin Roof Tin Roof, 316 Broadway Ave 9:00-11:00PM

Thursday September 21

Event Location Time Breakfast Cumberland 3/4 7:30 – 8:30 AM

Welcome Remarks Cumberland 1/2 8:45 – 8:55 AM (Richard Epley)

Keynote speaker #1 Cumberland 1/2 8:55 – 9:50 AM (Brian Kennedy)

Industry speaker #1 Cumberland 1/2 9:50 – 10:45 AM (Alain Nana-Sinkam)

AM Break Cumberland 1/2 10:45 – 11:00 AM

Industry speaker #2 Cumberland 1/2 11:00 – 11:55 AM (Melinda Zabritski)

Lunch Cumberland 3/4 12:00 – 1:00 PM

Direct Panel Cumberland 1/2 1:05 – 2:30 PM (Tim Daniska, Tom Becker, Mitch Loken, Amy Schade)

PM Break Cumberland 1/2 2:30 – 2:45 PM

Indirect Panel Cumberland 1/2 2:45 – 4:10 PM (Kevin Quibell, Dave Blassingame, Shaun Hopper, Tom Wheeler)

Museum Tour Country Music Hall 6:00 – 7:00 PM of Fame Galleries

Dinner Country Music Hall 7:00 – 11:00 PM of Fame Rotunda SCHEDULE Friday September 22

Event Location Time

Breakfast Cumberland 3/4 7:30 – 8:30 AM

Keynote speaker #2 Cumberland 1/2 8:45 – 9:40 AM (Clint Stoerner)

AM Break Cumberland 1/2 9:40 – 9:55 AM

Concluding Remarks Cumberland 1/2 10:00 – 11:00 AM & Awards SPEAKER BIOS

Col Brian Kennedy USMC (RET.)

Brian Kennedy was born and raised in the Youngstown, Ohio area and graduated from The Ohio State University with a degree in Civil Engineering and was commissioned a Second Lieutenant in the United States Marine Corps in June 1989.

Brian served as a Marine AH-1W cobra gunship helicopter pilot and served throughout the world based aboard ship and ashore in locations to include North Africa, Europe, the Middle East, Haiti, Cuba as well as numerous locations in the United States. Most recently, he served in the Western Pacific to include Japan, Korea, Thailand and Australia with the Third Marine Division. Brian served two flying tours in Iraq in 2003 and 2005 where he provided close air support to US Marines and soldiers as well as British Marines and soldiers, and was awarded the Distinguished Flying Cross with combat distinguishing device for Valor. Overall, he flew more than 220 combat missions. He was inducted into the Ohio Military Hall of Fame for Valor in April 2016. Brian is a former Marine Light Attack Helicopter squadron commander and holds a master’s degree in strategic studies from the US Army War College and completed a leadership certificate program at Harvard’s Kennedy School of Government in 2015. He achieved the rank of Colonel before retiring in October 2014 after completing 25 years of uniformed service.

Brian is the Executive Director for Turning Point Counseling Services in Mahoning County and serves on the Board of Directors for the Columbiana County Port Authority in East Liverpool, Ohio as well as the Comprehensive Economic Development Strategy Committee for the Ohio Mid-Eastern Governments Association. He is a licensed professional boxing judge, a 32nd degree Mason in Youngstown Ohio, a member of Perry Lodge in Salem, Ohio, a life member of the Veterans of Foreign Wars, AMVETS, the Disabled American Veterans and the Columbiana County Farm Bureau. Brian volunteers as a mentor in the Mahoning County Common Pleas and Youngstown Municipal Court’s Veterans Treatment Court programs and sits on the Board of Directors for AMVETS National Service Foundation – Charities as well as the Board of Directors for the America’s Future Foundation in St Louis, Missouri.

He has four daughters Caitlin, Gracie, Molly and Maggie and is married to Heather Godfrey, formerly of Johnstown Pa, and resides in Salem, Ohio. SPEAKER BIOS

Clint Stoerner ANALYST, SEC NETWORK/ESPN

Clint Stoerner was born and raised in Baytown . He was the starting and record breaking at the University of for 3 years. An 8-year career as professional football player with the NFL followed, including 3 years with the , 1 year with the , 2 yeas in the NFL Europe and 3 years in the Arena League. Currently Clint appears in the SEC Network/ESPN as College Football Analyst. SPEAKER BIOS

Alain Nana-Sinkam SENIOR DIRECTOR OF INDUSTRY SOLUTIONS, AUTOMOTIVE LEASE GUIDE

Alain Nana-Sinkam is a 24-year auto industry veteran, currently serving as Senior Director of Industry Solutions for ALG, providing data- driven solutions to answer some of the biggest questions facing the North American auto industry. He is responsible for ALG’s relationships with clients in the finance, rental, investment and software sectors, as well as European OEMs. Alain previously worked at Wells Fargo and HSBC Auto Finance and started his career at an auto dealership.

Melinda Zabritski SENIOR DIRECTOR, AUTOMOTIVE FINANCIAL SOLUTIONS, EXPERIAN

Melinda Zabritski is Senior Director for Experian automotive financial solutions team, where she is responsible for implementing products and services specific to the automotive credit and lending industry. She also serves as Experian’s primary analyst and spokesperson regarding key automotive finance trends. Throughout her career with Experian, Zabritski has overseen the product management for Experian Automotive’s lending channel, as well as the marketing strategy for the development of Experian’s automotive credit vertical sales channel. Prior to joining Experian in 2004, Zabritski held various product management and analyst positions in the credit industry, where she managed and developed credit risk models and market trending and forecasting tools. During that time, she also was responsible for managing prescreen and account management product lines. Zabritski holds a Master of Business Administration from the University of Phoenix in Phoenix, AZ., and a Bachelor of Science in political science and urban government from Louisiana State University in Baton Rouge, LA. SPONSORS

THANK YOU TO OUR 2017 SPONSORS AFG CONTACT INFORMATION

Richard Epley Tim Burns CEO Territory Dealer Account Manager [email protected] [email protected] Ext. 100 281.740.2990

Tim Kelly David Funderburk President Sr Dealer Account Manager [email protected] [email protected] Ext. 102 713.358.3927

Peggy McCaslin John Chandler VP & Director Dealer Account Manager [email protected] [email protected] Ext. 107 857.228.8634

Holly Bentley Paul Marquez Territory Account Manager Director of Remarketing & Client Relations [email protected] [email protected] Ext. 106 Ext. 108

Stacy Freeman Julie Alvarez Lender Account Manager End of Term Specialist [email protected] [email protected] Ext. 115 Ext. 110

Lisa Primrose Wayne Huckabee Lender Account Manager VP of Accounting [email protected] [email protected] Ext. 119 Ext. 101

Maury Dikker Noelia Torres Leasing Account Manager Accounting [email protected] [email protected] Ext. 113 Ext. 103 SAVESCHEDULE THE DATE

SAVE THE DATE!

2018 AFG User Conference Fall 2018 | Austin, TX Early Bird Registration: $395 www.afgconference.com 2017 USER CONFERENCE NASHVILLE, TN SEPTEMBER 20-22