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Joseph Everly - Director of Online Marketing Mr. Everly has over 8 years of Internet Marketing experience and has been with RoadLoans since 2003. He currently is responsible for Internet Marketing, Dealer Referral services, and Online Lead Generation. He is also responsible for Search Marketing, Email Marketing reporting, and the build-out of new programs that further the RoadLoans customer experience. Prior to RoadLoans, Mr. Everly managed Email and Search Engine Marketing programs for Priceline.com. Mr. Everly s interest in technology, which started in small start-up environments prior to Priceline, has brought value to RoadLoans and contributed to our continued growth. He also held positions with Flooz.com and Cendant Corp, where he started his career. Mr. Everly holds a B.S. in Economics from Texas Christian University. credit pacific service union

Scott A. Rundle - Director of Sales Mr. Rundle joined Triad Financial in April of 2002. He is responsible for managing RoadLoans Loan Specialist Teams which includes dealer purchase, refinance, and person to person. He earned a BA in Communication from the University of North Texas and brings 14 years of automobile experience to the team. Prior to joining Triad, Scott held positions with the top finance companies in the market including TranSouth Financial (Citigroup) where he worked in branch operations and for the National Credit Center. He has been an underwriter, led an Inside Sales Center, and was the Marketing and Communication Manager for the auto division at Citigroup. credit first service union

Press Room Apply Now Home About Us Press Room TRIAD FINANCIAL TAKES THE LEAD IN NON-PRIME LENDING BY JOINING ROUTEONE S ADVANCED CREDIT APPLICATION MANAGEMENT SYSTEM Agreement Demonstrates Triad s Commitment to Dealer Service Via E-Market Channels HUNTINGTON BEACH, CA and SOUTHFIELD, MI - January 31, 2003 - Triad Financial Corporation has entered into an agreement with RouteOne LLC, the joint venture formed by DaimlerChrysler Services, Ford Motor Credit Company, GMAC and Toyota Financial Services, to become one of the first non-prime financial institutions to participate in RouteOne s credit application management system. card credit mobile service

Triad Financial, a wholly-owned subsidiary of Ford Motor Credit Company, provides non-prime financial services to more than 7, 500 new and used car dealers in the nation. Triad is one of the largest non-prime auto finance institutions in the U.S. that will offer automobile dealers a way to send credit application information and receive decision information via RouteOne s Web-based system. The online system promises increased process efficiencies and accurate data entry, ultimately providing an improved customer and dealer experience. card credit discover service

Joining RouteOne is an exciting opportunity for Triad that is consistent with our customer service and growth strategy for 2003, stated Jim Landy, president and chief executive officer of Triad Financial Corporation. Our aim is to transact business where dealers want us to be - and to make it as seamless as possible for our customers to interact with us. credit public service union

Our agreement with RouteOne demonstrates our continued commitment to the Internet channel as a critical driver of automotive finance, expressed Jon Samsel, vice-president of e-commerce and marketing for Triad Financial Corporation. RouteOne will enable us to conduct business electronically in a way that will bring all parties increased efficiencies and convenience. card credit processing service

We re really pleased that Triad Financial has decided to sign-up for RouteOne s system, said Mike Jurecki, chief executive officer of RouteOne. Triad s partnership with RouteOne underscores our commitment to provide auto finance options that span the entire credit spectrum. U.S. auto dealers will now have even greater choices using the RouteOne online destination. center credit service union

About Triad Financial Triad Financial Corporation, a wholly owned subsidiary of Ford Motor Credit Company (NYSE: F), specializes in non-prime auto financing. With a strong foundation in the automobile industry, over 1, 300 employees and more than $3 billion dollars in auto receivables, Triad provides innovative solutions and distinctive customer service to over 7, 500 new and used car dealerships throughout the United States. Triad is headquartered in Huntington Beach, California and has regional offices in North Richland Hills, Texas and Margate, Florida. For more information, visit www.triadfinancial.com. card credit service wireless

About RouteOne Established in April 2002, RouteOne LLC is a joint venture formed by DaimlerChrysler Services, Ford Motor Credit Company, General Motors Acceptance Corporation and Toyota Financial Services to improve the credit application process for automobile dealers, their customers and participating financial institutions. The joint venture is developing a Web-based system that will enable dealers and their finance sources, including captive finance companies, banks and other financial institutions, to exchange credit application and decision information online. More information is available at www.routeone.com. credit security service union

For more information visit www.triadfinancial.com CONTACT: Triad Financial Corp., Huntington Beach Corporate Communications Rebecca Tann, 714-799-5210 Director of Communication Planning Back to the Newsroom Home | Products | Resources | Support | About Us | My Account credit report service

Press Room Apply Now Home About Us Press Room TRIAD FINANCIAL CORPORATION ANNOUNCES $911 MILLION ASSET-BACKED SECURITIZATION HUNTINGTON BEACH, CA - March 28, 2003 - Triad Financial Corporation, one of the nation s leading non-prime auto finance companies, closed a $911 million offering of asset-backed securities, backed by car loans, on March 26. The offering is guaranteed by bond insurer Ambac Financial Group Inc. (NYSE:ABK). Deutsche Bank Securities was the lead manager on the transaction and co-managed by Banc of America Securities LLC, Credit Suisse First Boston and Salomon Smith Barney. blogspot com christian

The company uses proceeds from securitization transactions to provide long-term financing of automobile retail installment contracts. The following are terms and conditions of Triad Auto Receivables Owner Trust 2003-A : Class A1 Issue Amount: $200 mln Average Life: 0.23 year Price Spread: 3-month Libor minus 2 bps Price Guidance: 3-month Libor minus 1 bps area Ratings: Aaa (Moody s), AAA (S P) christian counseling credit

Class A2a (fixed-rate) Issue Amount: $177 mln (original $138 mln) Average Life: 1 year Price Spread: Eurodollar futures + 19 bps Price Guidance: Eurodollar futures + low-20s bps area Yield: 1.603 pct Class A2b (floating-rate) Issue Amount: $100 mln (original $138 mln) Price Spread: 1-month Libor + 9 bps Price Guidance: 1-month Libor + 10 bps area Coupon: 1-month Libor + 9 bps Class A3 (floating-rate) credit federal service union

Issue Amount: $228 mln Average Life: 2 years Price Spread: 1-month Libor + 19 bps Price Guidance: 1-month Libor + 20 bps area Class A4 (floating-rate) Issue Amount: $206 mln Average Life: 3.07 years Price Spread: 1-month Libor + 36 bps Price Guidance: 1-month Libor + 30 bps area About Triad Financial Triad Financial Corporation specializes in non-prime auto financing. With a 14 year history of providing a strong foundation in the automobile industry, over 1, 300 employees and more than $3 billion dollars in auto receivables, Triad provides innovative solutions and distinctive customer service to over 7, 500 new and used car dealerships throughout the United States. Triad is headquartered in Huntington Beach, California and has regional offices in North Richland Hills, Texas and Margate, Florida. For more information, visit www.triadfinancial.com or call 1-888-577-8532. credit monitoring service

New Used Purchase The RoadLoans process allows you to negotiate like a cash buyer from any franchised dealership in your state and it is the easiest, most powerful way to purchase your next car or truck. The RoadLoansCheck gives you the flexibility to shop when and where you want. Also, you can write the RoadLoansCheck for any amount greater than $7, 500 and less than your approval amount so you choose the loan amount that is right for you. (In some states the minimum amount is $10, 000.) Choose a vehicle that is a 2001 model or newer with less than 70, 000 miles. Make sure it is not a commercial, conversion or customized vehicle. Then go in with your RoadLoansCheck and walk out with your next vehicle of your dreams. Remember you are in control with the RoadLoansCheck. Apply today to experience auto finance made easy! credit division service

Ask yourself the following questions. 1. Is the vehicle being sold by a franchised dealer in your state 2. Is the vehicle worth more than $7500* 3. Is the vehicle a 2001 model year or newer with less than 70, 000 miles If you answered YES to all 3 questions, then this is the right loan for you. Apply Home | Products | Resources | Support | About Us | My Account card credit online service

Private Party Auto Loans Lender, No Penalties or Fees for Early Payoffs - RoadLoans.com Private Party Auto Loans, Purchase a vehicle from a private seller, Private Party vehicle lender, Car reviews, Car Financing, Carfax reports, Vehicle Inspections before purchasing. Purchase your next new or used auto loan from a private party and obtain better pricing, a complete Carfax report, and vehicle inspection without any out of pocket expenses. private party purchase, private party loan, private seller purchases, private seller buying, private party lender, private party auto, buy from an individual, buying from an individual, vehicle purchase from private party, buy an auto from a person, purchase from a friend, vehicle buying through an individual, buy car from a person, buy a car from a friend, roadloans, road loans, roadloans.com, roadloans racing, loan, loans, auto loan, auto loans, auto purchase, vehicle purchase, car loans, truck loans, SUV loans, vehicles loans, vehicle purchase, buy a car, new car, used car, car prices, auto prices, automobile, financing, loan rates, best auto loan rate, auto refinancing, simple interest loan, simple interest auto loan, car search, pre-qualified loan, loan calculator, lender, loan company, lower auto payments AutoFinder Apply Now Home

Private Party Purchase You can now buy the car in your neighbor s driveway or from the classifieds with a Person-to-Person Loan! Our Person-to-Person Loan refers to any vehicle that is for sale by owner or that is being sold by a private party . We offer you the flexibility to purchase your vehicle from an individual who currently has their vehicle financed, also referred to as a liened vehicle, or from an individual who owns their vehicle outright, which is considered lien-free. In any case, we require the seller to be the registered owner(s) of the vehicle. We are unable to provide financing for the purchase of a vehicle from a spouse/domestic partner, from any individual residing at the same address as you, from an individual that is leasing their vehicle or where the title is held in trust. The process doesn t use the RoadLoansCheck and will take a little longer than purchasing from a dealer because we are dealing with multiple parties. RoadLoans has partnered with Escrow.com, which has established itself as the leading provider of secure business and consumer transaction management on the Internet, to help make your buying experience as easy as possible. Apply Today! consumer counseling credit inc

Auto Refinance, Lease Buyout, No Penalty Early Payoffs, No Lender Refinance Fees - RoadLoans.com Car reviews, Car Refinancing, Auto Refinancing, Lease Buyouts, Balloon Payment Loans, Lower Monthly Payments, Reducing APR Rates. Refinance your auto loan with us, or even buyout your balloon payment or leased auto. Let Roadloans show you how to save money on your monthly car payment and interest rate. refinance, refinancing, lease-buyouts, balloon payment loan, auto refinancing, car refinance, roadloans, road loans, roadloans.com, roadloans racing, loan, loans, auto loan buyouts, auto loans, refinance purchase, vehicle refinance, car refinancing, lower monthly payments, lower APR rates, reduce APR, lower interest rate, truck refinance, SUV refinancing, refinance a car, car prices, loan rates, automobiles, best auto loan rate, simple interest loan, simple interest refinance loan, car search, pre-qualified loan, loan calculator, lender, refinance loan company, lower auto payments AutoFinder Apply Now Home

Refinancing If you love your car, but not your payments, refinancing may be for you. When you refinance, you can lower your interest rate, which results in lower payments. You may also be able to lengthen the term of your loan, which will lower your payments further. You may also be able to skip a payment when you refinance! Another option is to use the money you save monthly to pay off credit card debt. Your credit isn t perfect No problem! You may still be eligible to refinance your car, saving you money, paying off your car early, or lowering your payments. We can help! card credit fleet service

Ask yourself the following questions. 1. Do you currently have a car loan 2. Is there more than two years before the end of your loan 3. Is the vehicle a 2001 model year or newer with less than 70, 000 miles If you answered YES to all 3 questions, then this is the right loan for you. Apply Refinance and SAVE! Reduce APR by Save* 1 % $ 350.00 2 % $ 700.00 3 % $ 1000.00 * Savings over the life of the loan, based on a $15, 000 loan at 13% APR with a remaining term of 48 months. card consolidation credit

Payment Calculator, Purchase Calculator, Refinance Calculator, Monthly Payment - RoadLoans.com payment calculators, refinance calculator, calculate monthly payments, calculate payment by terms ROADLOANS offers a payment calculators so you can determine your monthly payments. calculator, payment calculator, determine monthly payments, determine refinance payments, new monthly payment, car payment, auto calculator, purchase calculator, refinance calculator AutoFinder

Payment Calculators Apply Now Home Resources Payment Calculator Find out how low a RoadLoans monthly payment can be*. Purchase Calculator Refinance Calculator Select One Total Loan Amount Loan Amount $ Interest Rate % Or Desired Monthly Payments Desired Payment $ Interest Rate % Calculate Clear Form credit free online report

Monthly Payment / Loan Amount Loan Length: 24 Months 36 Months 48 Months 60 Months 72 Months Results: Apply Now * Disclosure: Actual savings may vary upon final credit verification. The new interest rate assumes a 3% rate reduction unless the new rate is less than 11%. We have provided this calculator solely as a convenient tool for you to estimate payments based on your assumptions for term, rate, fees and amount. Your actual payments may differ from the payments provided by this calculator as a result of using different loan terms, rates, fees or amounts. We are not responsible for the accuracy, completeness, or usefulness of the information provided by this calculator, and we have no obligation to match your terms to the terms provided by this calculator. You must have JavaScript enabled on your browser to be able to use these calculators. credit federal first service

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