EFG Companies S-Guard One Sheet

1 S-Guard VEHICLE SERVICE CONTRACTS. and EFG Companies . The retail automotive industry and EFG simultaneously evolve. In part by necessity driven by economic climate, the digital age and a more informed, more demanding consumer. But also through forward-thinking individuals who see these drivers as opportunities. At EFG, we are proud to have served as an industry innovator since 1977. Originally formed by a dealer for dealers, the company was born from a need to recruit and train superior Finance and Insurance professionals and provide adequately reserved, financially sound consumer protection products.

2 Today, EFG is a world-class financial service products administrator committed to continuous development of innovative products and services across a multitude of diverse channels. With continuously changing legislation, fierce competition and an unstable economy, EFG is a trusted partner to: Automobile Dealers Automobile Manufacturers Credit Unions Banks Consumer Goods Retailers Longevity and success is ultimately measured by a simple premise: keeping a promise to a customer at a time when they need it the most. Every consumer protection contract in EFG's portfolio is underwritten by an AM Best rated A (Excellent) insurance company.

3 Our depth of experience and discipline in adjudicating fast and fair claims has been the foundation on which EFG has built a 26-year uninterrupted relationship with the same premier insurance underwriter for our vehicle service contract products. It is also the reason why Hyundai Motor America turned to and trusted EFG with administrating on their behalf the award-winning Hyundai Assurance Program, the first and only vehicle return program for over 1,000,000. of their customers. S-Guard VEHICLE SERVICE CONTRACTS. and EFG Companies . Every one of EFG's 120 employees come to work at our headquarters based in Irving, Texas DRIVING committed to the same goal: exceeding your customer's expectations.

4 In 2010 alone, this PERFORMANCE translated to over $26,000,000 in paid customer claims (promises kept). Customer service standards and real-time performance is continuously projected on our walls for everyone to see, and of claims calls are answered within 120 seconds. All calls are recorded and constantly monitored to ensure every customer is treated with courtesy and respect, and more importantly, to continuously improve efficiency and the customer experience. In 2010, we entered just over 460,000 new consumer protection contracts into our portfolio, and every one of those contract holders can be assured a professionally trained specialist will assist them with their individual needs.

5 All Claims Adjusters have previous retail automotive experience and 80% hold current ASE Certifications 94% of all submitted claims are paid 96% of all claims are paid by corporate credit card within 1 hour of receipt of invoice The average customer claim payment for mechanical repair is $ 33,178 mechanical repair claims were paid in 2010. Constant risk assessment and analysis Full-time state DOI compliance monitoring staff Because of our excellent reputation within the industry, Santander Consumer USA selected EFG Companies to develop and administer the S-Guard Program. Together we stand behind this initiative with high quality and dedicated people to make S-Guard one of the strongest and most reliable VSC programs available today.