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1 IN PRINT / ONLINE / IN PERSON 2019 MEDIA KIT autofinjournal.com July+August 2018 // Vol 1, No 1 autofi njournal.com AUTO FIN JOURNAL LOOKING INTO THE FUTURE

2 AFJ Content Building Blocks Technological advances hardly imagined only a couple of years ago, such as how smartphones open paths between consumers and retailers, have changed the way automotive and auto finance companies service and communicate with their customers. The newest endeavor from Cherokee Media Group Auto Fin Journal is looking to deliver informative and thought-provoking content and business intelligence that examine these kinds of advancements. Published in print bimonthly and updated regularly online, Auto Fin Journal will explore the latest topics with experts and entrepreneurs who are leading the way for FinTech to be leveraged in an array of ways within the automotive and auto finance space. From blockchain to venture capital to artificial intelligence, your new source for business intelligence and how auto finance is evolving thanks to technology and forward-thinking subscribers is Auto Fin Journal. Predictive Analytics Like those old Nationwide Insurance commercials stated, Life comes at you fast. It s never been as true as it is now. But with predictive analytics, you can better prepare for shifts in the automotive world. Generally speaking, predictive analytics is the combined use of data, statistics, model simulations and artificial intelligence to make predictions about the future an extremely valuable resource in these dynamic times. With predictive analytics, you aren t just reacting to changes as they occur; the hope is to foresee developments in finance or the auto industry and equip yourself with strategies to weather those changes or, even better, benefit from them. Fintech Solutions As you likely know (or could at least guess), fintech is simply the portmanteau of financial technology; with the advent of technologies like blockchain and cryptocurrencies, fintech solutions are necessary to improve and protect this new mode of financial services, especially in auto finance. Just as an example, one of the most talked-about innovations in the financial world right now is the idea of blockchain the buzzword of the hour for quite a few hours now. What is blockchain, and how can it revolutionize auto finance as we know it?

3 Transportation Research Mergers & Acquisitions With the ongoing approach of automated vehicles, electric/hybrid cars and transport, ride-sharing and other innovations, transportation research must accompany these disruptions before and as they occur in order to make these revelatory advances safer, more efficient and more effective. Data points that might be discussed in transportation research could include rates of use for mass transit, the state of ownership of personal vehicles and other emerging technologies that could impact the way we approach driving, shipping and more. These days, mergers and acquisitions might seem as natural as death and taxes. It plays into the concepts connected with investment capital Company A likes Company B s big idea, and they ve got the capital for it, they re going to get in on it except a bit further than just plugging money into the company. Investment Capital Economic Forecasts Money rules the world. It especially rules the world of the automotive future. With so many fresh disruptors and startups arriving on the scene in recent years, the need for investment capital will only increase as we move forward. Everybody wants to profit off the Next Big Thing, and each new company hopes to be that Next Big Thing. In this climate, investment capital becomes the bridge between this symbiotic relationship, providing startups with the push they need to break the big time and, thus, venture capitalists with a return on their investment. Who doesn t want to know how financial markets will behave in the future? With help from predictive analytics, economic forecasts are a highly helpful resource, impacting confidence in auto finance and other AFJ core topics. Whether it s looking at the supply of and demand for electric vehicles in the coming years or the swings of Wall Street and its effect on investment capital, predictions for the money markets across the country, continent and world will help determine the future of automotive and auto finance itself. Connected Mobility The vehicle of the future depends upon connected mobility. Whether that means your Tesla receives remote software updates or an autonomous vehicle can link up with the upcoming 5G network, connected mobility will play an enormous role in the next decade and has already become a major talking point in the auto industry. For example, all the major operating systems of the autonomous vehicle, from GPS to its AI, depend fully on the concept of connected mobility. Compliance & Regulations Boring? Maybe. But we won t shame you if you re a policy wonk quite the opposite, in fact. Knowledge of compliance and regulations is of paramount importance when considering all the changes coming to the auto industry. Instead of looking at compliance and regulation in a reactive fashion, we must anticipate the need for regulatory compliance.

4 IN PRINT Auto Fin Journal PUBLISHED BY September+October 2018 // Vol 1, No 2 Cherokee Media Group (CMG) is the publisher of leading business-to-business media brands for the automotive and auto finance industry in the United States and Canada. CMG has delivered news to this industry for over 25 years. Reaching franchised and independent dealers, OEM executives, captives, banks, auto finance companies, remarketers, auctions, and more. SPONSORED BY CMG also produces a number of conferences that bring together the automotive and auto finance industry to address the trends and future forecasting impacting the retail, finance, repossession and whole sectors. Auto Fin Journal, a property of Cherokee Media Group, provides answers about the future of the automotive and auto finance industry. JULY AUGUST Bi-Monthly READ BY: TOP FRANCHISED DEALERS OEM CAPTIVES BANKS INDEPENDENT FINANCE COMPANIES CREDIT UNIONS FINTECH STAKEHOLDERS 40,000 Desks & Inboxes MEDIA GUIDE

5 CAT _Autotrader_GO-TO_Ad1_AutoRemarketing_Coverwrap.indd 1 3/14/18 2:12 PM File Name CAT _Autotrader_GO-TO_Ad1_AutoRemarketing_Coverwrap.indd File Saved :12 PM InDesign CC 2017 APPROVALS INITIALS DATE Job No. CAT Date :12 PM Page Artist Christine Notermann Creative Director Job Name Autotrader new version Fonts: Chalet (NewYorkNineteenSixty) Images: GoTo_background_orange.eps (CMYK; 483 ppi), GoTo_Stacked. Client Cox Automotive ai, Autotrader_GoTo_h_rev.ai, CAT170029_YourGoTo_white.ai, CA- AD/Designer CMYK-Inline_1C-Gray.eps Live/Safety 0.125" x 0.25" Copywriter Flat/Trim 4.66" x 12.5" Bleed 0.125" x 0.125" Layout Designer Folded Size None Gutter None Account Manager Panel Sizes None Project Manager Sam Jones Colors Printed At None Print Producer 2018 Cox Automotive, Inc. All Rights Reserved. Autotrader is a registered trademark of TPI Holdings, Inc. used under exclusive license. CAT _Autotrader_GO-TO_Ad1_AutoRemarketing_Coverwrap.indd 2 3/14/18 2:13 PM File Name CAT _Autotrader_GO-TO_Ad1_AutoRemarketing_Coverwrap.indd File Saved :12 PM InDesign CC 2017 APPROVALS INITIALS DATE Job No. CAT Date :12 PM Page Artist Christine Notermann Creative Director Job Name Autotrader new version Fonts: Chalet (LondonNineteenSixty, NewYorkNineteenSixty) Autotrader_GoTo_h_rev.ai, CAT _GettyImages AD/Designer Images: GoTo_background_orange.eps (CMYK; 401 ppi, 402 ppi), Client Cox Automotive RF_COMPwScreen_0314.psd (CMYK; 516 ppi), CA-CMYK-Inline_1C- Live/Safety 0.125" x 0.25" Gray.eps Copywriter Flat/Trim 4.66" x 12.5" Bleed 0.125" x 0.125" Layout Designer Folded Size None Gutter None Account Manager Panel Sizes None Project Manager Sam Jones Colors Printed At None Print Producer IN PRINT Premium Print Advertising Front Cover Wrap Details B:4.91" B:4.91" T:4.66" T:4.66" The Front-Page Cover Wrap is available to select advertisers who also purchase a fullpage ad in the print edition of Auto Fin Journal. S:4.41" READ BY: NEW-CAR DEALERS USED-CAR DEALERS USED-CAR MANAGERS FLEET, LEASE, RENTAL EXECUTIVES MANUFACTURERS CAPTIVE & INDEPENDENT FINANCE COMPANIES BANKS AUTO AUCTIONS REMARKETING & USED-VEHICLE INDUSTRY PROFESSIONALS The NewsMagazine of the Pre-Owned Industry S:4.41" From search to sold, your GO-TO has got your back. Your GO-TO for more leads and engagement. Your GO-TO for clear-cut sales attribution. Your GO-TO for accelerating shoppers into signatures. With over 20 years experience, and an exciting year ahead, nobody has more Outside Flap Specs: 4.66 x with a.125 bleed on all sides Nobody s got you covered like your S:12" T:12.5" B:12.75" to offer dealers than Autotrader. Get going with your GO-TO today. YourNewGOTO.com S:12" T:12.5" B:12.75" Inside Flap Specs: 4.66 x 12.5 with a.125 bleed on all sides 1 COVER WRAP ROUND 1 Introducing the completely redesigned Autotrader. Outside cover wrap Cyan, Magenta, Yellow, Black FONTS USED WITHIN THIS FILE ARE FOR OUTPUT ONLY BY THE END PRINTER/VENDOR. CHANGES TO COPY MAY REQUIRE FONT LICENSING AND PRINTERS/VENDORS ARE SOLELY RESPONSIBLE FOR ANY LICENSING COSTS REQUIRED. 1 COVER WRAP ROUND 1 Cyan, Magenta, Yellow, Black Inside cover wrap FONTS USED WITHIN THIS FILE ARE FOR OUTPUT ONLY BY THE END PRINTER/VENDOR. CHANGES TO COPY MAY REQUIRE FONT LICENSING AND PRINTERS/VENDORS ARE SOLELY RESPONSIBLE FOR ANY LICENSING COSTS REQUIRED. Post-it Note July+August 2018 // Vol 1, No 1 autofi njournal.com Specs: 3.0 wide x 3.0 tall Post It Note ad Corners are rounded. White or yellow paper available. Please ad.125 full bleed to creative. *Post It Note page positioning may appear different than shown. LOOKING INTO Auto Fin Journal 5

6 Average loan rates are showing some increases but remain historically low By Joe Overby, Staff Writer 5 percent or lower. Average loan rates However, he believes there will be more and more willing to at least start the process, apply for credit, get a real Q Q CARY, N.C. The growth of digital retailing is broadbased in the auto business. deal baked and perhaps just not sign on the dotted line, but 12.23% 12.22% It runs the gamut from startups offering consumers at least walk into the dealership fully informed on what they peer-to-peer or direct-to-consumer online car-buying, to should expect to pay. 8.03% companies like Cox Automotive and CDK Global helping Gutierrez has spotted improvements in F&I and extended warranty penetration among dealers his company works 7.81% facilitate digital retailing at dealerships. And even certain pieces of the car-buying process are becoming more digitalized for instance, consumers being able to get a price line, where they re providing actual pricing to market to with that have implemented more transparent pricing on- 4.71% 4.79% on their trade online. consumers. And as digital retailing continues to grow, it may have As such, the customer and dealer don t spend 45 minutes or an hour going back and forth on the price of the car New Franchised used Independent used an effect on the F&I office, says Kelley Blue Book senior analyst Alec Gutierrez. or the value of the trade, he said. I would honestly say, within two or three years, I When you re not focused on getting the right price wouldn t be surprised to see a majority of dealers having at on the purchase and trade, you re a little bit more open to Average loan rate by risk tier for Q least a buy-it-now, shopping-cart, digital retailing solution spending time on the test drive, understanding the values integrated into their websites, Gutierrez said during a conference call with the media on July 1. car by an extended warranty and some of the other products Avg Independent used 11.83% of the car and ultimately understanding how to protect that 5.48% Now, with that said, just because there s a button that that are available in the F&I office, Gutierrez said % says you can buy this thing online doesn t mean you re going to find a ton of consumers willing to make that leap. I ers are better informed in terms of what they should expect As digital retailing takes more of a foothold as consum- 4.60% Avg Franchised used 9.12% would say you re going to see a minority of the market (go to pay at the dealership, what they should expect to receive 15.25% that route), he said. for their trade before they walk in the door, I would suspect Gutierrez estimates that the proportion of consumers that you re going to see the profit centers of the dealership 3.29% willing to go point to point and finalize the deal would be shift more and more into the F&I office. Avg New 6.57% 11.03% I would honestly say, within two or three years, I wouldn t be surprised to see a majority of dealers having at least a buy-it-now, shopping-cart, digital retailing solution integrated into their websites. Prime Nonprime Subprime Alec Gutierrez, Kelley Blue Book Source: Experian Automotive 䘀漀爀䘀漀爀洀漀爀攀洀漀爀攀椀渀昀漀爀洀愀琀椀漀渀挀漀渀琀愀挀琀㨀 12 SubPrime Auto Finance News Vol. 11 Issue 4 4% The auto finance franchise is a 3% formidable competitor 2% with the associate expertise, customer 1% relationships and flexibility to adjust the 0% changing dynamics. Results this Jeffrey Brown Ally Financial quarter are another demonstration of it. The auto finance franchise will continue to be a key focus and a cornerstone of our company. We have a strong heritage and expertise 9% in this business and no plans to divert 8% our focus. The adaptability we ve 7% demonstrated is quite powerful. 6% 5% We are committed 4% to providing 3% consumers access 2% to a broad credit 1% spectrum of 0% financing through our network of dealers in all economic cycles. Natalie Brown Wells Fargo Wells Fargo Dealer Services has become a 7% leading auto lender through our longterm approach to growth, disciplined 5% 6% underwriting practices, ongoing 4% customer feedback and strong 3% relationships with dealers who share our commitment to the communities 2% and customers we serve. 1% To make sure you are getting your share of this profitable segment you need the experts. 7% 6% 5% Subprime Auto Credit Mail Program Daily Subprime Trigger Program Weekly Fresh Chapter 7 Bankruptcy Program Discharged Chapter 7 Bankruptcy Program Open Chapter 13 Bankruptcy Program 0% Top 20 lenders in the retail loan market Top 20 represent 48.1% of all retail loans Recent reports show that over 30% of all auto loans originated are SUBPRIME! 18 SubPrime Auto Finance News Vol. 10 Issue Top 20 represent 70.4% of all retail loans Top 20 represent 38.8% of all retail loans Source: Experian Automotive Source: Experian Automotive Source: Experian Automotive Credit Union 16.83% Top 20 lienholders among Franchised Dealers Used-Car Sales in WELLS FARGO DEALER SERVICES 11. USAA FEDERAL SAVINGS BANK 2. CAPITAL ONE AUTO FINANCE 12. CHRYSLER CAPITAL 3. ALLY FINANCIAL 13. SUNTRUST BANK 4. CHASE MANHATTAN BANK 14. US BANK 5. TOYOTA MOTOR CREDIT CO. 15. BMW BANK OF NORTH AMERICA 6. SANTANDER CONSUMER USA 16. FORD MOTOR CREDIT CO. 7. BANK OF AMERICA 17. SECURITY SERVICE CREDIT UNION 8. FIFTH THIRD BANK 18. NAVY CREDIT UNION 9. HUNTINGTON NATIONAL BANK 19. BMO HARRIS BANK 10. GM FINANCIAL 20. TD AUTO FINANCE Top 20 lenders with greatest share of Used-Car Loans among Independent Dealers in CARMAX AUTO FINANCE 2. WELLS FARGO DEALER SERVICES 3. SANTANDER CONSUMER USA 4. CREDIT ACCEPTANCE CO. 5. CAPITAL ONE AUTO FINANCE 6. WESTLAKE FINANCIAL 7. CHASE MANHATTAN BANK 8. DRIVETIME ACCEPTANCE CO. 9. ALLY FINANCIAL 10. CAR NOW ACCEPTANCE CORP. By Nick Zulovich, Senior Editor institution of more than 115,000 members who mainly are employed in the medical and LAS VEGAS Indiana Members Credit education fields based in Indianapolis. Union chief executive officer Ron Collier explained how this segment of auto financing membership at our credit union. We know We still have kind of a traditional field of providers can become elitist if all they do is when negative things are happening in the medical or educational fields and allow for that, Col- book vehicle installment contracts with consumers whose FICO scores are 800 or higher. lier continued. We try to strengthen a loan if Perhaps credit unions aren t originating a member has some bruised credit by getting a contracts only with super-prime consumers, since the latest TransUnion data showed That s the method that we use. We look at the re- little bit more of a down payment or cosigner. credit unions grew their auto membership lationship they ve had with us in the past. by 9.8 percent year-over-year from the first I m not sure what the industry definition of a subprime loan is, but I can tell you quarter of this year compared to the first quarter of last year. that we have tried very hard to help members with credit below what we used to, he In addition, TransUnion indicated that in 2010, only 49 credit unions issued more than went on to say. It has been a strategy of ours. 10,000 auto loans during the year. In 2015, You can kind of become an elitist lender if analysts determined 126 credit unions were you re not careful, only making loans to those issuing more than 10,000 auto loans annually. with great credit when people who have run TransUnion shared those data points in through a little bad times. If you look at the August from Las Vegas when the credit bureau hosted its annual credit union semi- can probably help them if they re willing to whole relationship and the entire person, you nar, which included participants from leading credit unions across the country. Tran- Indiana Members Credit Union does not help themselves, too. sunion arranged for SubPrime Auto Finance participate in indirect auto financing, but News to speak with a couple of them Collier, as well as Mike Long, who is executive percent of the entire credit portfolio the or- Collier estimated auto constitutes about 20 vice president and chief credit officer from ganization has components that include the University of Wisconsin Credit Union. mortgages and credit cards. Blossoming relationships with Indianapolis-area dealerships The word subprime is kind of an unusual term for credit unions because we have as well as a partnership with Enterprise Car members. I think we know our members a Sales fuels the auto origination pipeline for little bit better, said Collier, who oversees an CREDIT UNION continued on page 9 ONTARIO, Calif. CU Direct has to AutoCount. reached a new milestone in auto loans, helping credit unions fund more than $16.1 bilflects credit unions The growth relion in loans at the halfway point of the year. continued appetite in auto financ- A provider of technology and automotive solutions for the credit union industry, CU ing, growing market share from 19.7 Direct has helped its more than 1,000 credit union partners increase funded installment percent year-end contracts by 24.5 percent year-over-year. Tony Boutelle 2014 to 21 percent Officials highlighted credit unions funded a record 529,000 contracts through CU Di- CU Direct is ex- CU Direct in June of rect s Lending 360 and CUDL platforms in the cited to help our partner credit unions increase first half of 2016, a 16.4-percent increase above auto lending scale and efficiency, improving the mid-point of last year. As a result, CU Direct calculated that its credit union partners, as ber experience, CU Direct president and chief overall market share and creating a better mem- an aggregate, are the nation s third-largest auto executive officer Tony Boutelle said. financer, experiencing higher loan origination We are committed to delivering innovative technology, products and servic- growth than any auto lender ranked among the nation s top ten. es that help credit unions make more loans CU Direct insisted credit unions experienced greater loan growth than Wells Fargo and auto lending experiences today and in and improve their members auto buying Dealer Services and Ally Financial, according the future, Boutelle continued. We deliver products that support your ability to meet your customers growing demands for greater flexibility in sales and financing while leaving you in control of the profits and process. September October 2016 subprimenews.com 5 Q total loan market share Finance 14.46% Captive 26.80% Source: Cross-Sell Reports, a division of Dominion Dealer Solutions 11. GATEWAY ONE LENDING 12. USAA FEDERAL SAVINGS BANK 13. NAVY CU 14. AMERICAN CREDIT ACCEPTANCE 15. EXETER FINANCE CORP. 16. SECU 17. GFC LENDING 18. CONSUMER PORTFOLIO SERVICES 19. UNITED AUTO CREDIT CO. 20. TD AUTO FINANCE Source: Cross-Sell Reports, a division of Dominion Dealer Solutions We offer targeted programs for: Franchised dealers Independent dealers BHPH dealers Lenders OEMs Agents and Reps Needed Bank 34.72% BHPH 7.15% Source: Experian Automotive ARI 9:30AM AUG. 3, 10, 17, 24 & 31 CPS 9:30AM AUG. 10 & 24 CREDIT ACCEPTANCE/VRS 9:30AM AUG. 3, 24 & 31 DEALER SALE 9:30AM AUG. 3, 10, 17, 24 & 31 ENTERPRISE 9:30AM AUG. 3, 10, 17 & 24 EXETER 9:30AM AUG. 3, 17 & 31 FISERV 9:30AM AUG. 3, 10, 17, 24 & 31 MOBILE SALE 10:00AM AUG. 5, 12 & 19 Berglund Group - Roanoke, VA Manheim.com 866-Manheim 3560 Early Rd, Harrisonburg, VA SELECT MARKETING 9:30AM AUG. 31 SPECIALTY SALE 11:00AM AUG. 3, 10, 17, 24 & 31 Motorcycles, boats, campers, medium & heavy duty trucks TRA 9:00AM AUG. 3, 10, 17, 24 & 31 Inoperable & drivable WELLS FARGO 9:30AM AUG. 3, 10, 17, 24 & 31 WHEELS 9:30AM AUG. 3, 10, 17, 24 & 31 4x4 TRUCK SALE 10:00AM AUG. 3 & Manheim, Inc. 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7 IN PRINT Editorial Calendar January + February 2019 // Vol 2, No 1 March + April 2019 // Vol 2, No 1 BIG DATA: The Science Behind It JANUARY/ FEBRUARY Ad Materials: 1/8 Big Data: The Science Behind It SMARTEST COMPANIES MARCH/APRIL Ad Materials: 2/26 Smartest Companies: A glimpse at the fintech firms shaping how auto-finance providers will meet demand of tomorrow s consumers. May + June 2019 // Vol 2, No 1 July+August 2018 // Vol 1, No 1 autofi njournal.com MAY/JUNE Ad Materials: 4/30 The Capital Issue: An examination of how fintech developers are finding the financial resources they need to finalizes their strategies and tools. THE CAPITAL ISSUE JULY/AUGUST Ad Materials: 6/25 AIS Issue: The Intelligence behind the Auto Intelligence Summit LOOKING INTO THE FUTURE September+October 2018 // Vol 1, No 2 November + December 2018 // Vol 1, No 3 SEPTEMBER/ OCTOBER Ad Materials: 9/ Auto Finance EXECUTIVE OF THE YEAR Andrew Stuart TD Auto Finance PRESENTED BY NOVEMBER/ DECEMBER Ad Materials: 10/15 SPONSORED BY Women in Auto Finance: Honoring the most dedicated and talented female professionals in the auto finance industry. Auto Finance Executive of the Year: In-depth profile of the 2019 honoree. Auto Fin Journal 7

8 ONLINE Digital Advertising AUTO FIN JOURNAL Website Mobile E-News Custom Marketing autofinjournal.com ON THE GO? STAY IN THE KNOW! Readers can access Auto Fin Journal on their computer, tablet or smartphone. FILE REQUIREMENTS AUTOFINJOURNAL.COM» File type: JPG or GIF. If file type is Flash, the advertiser must provide a static image for browsers that do not support Flash. File sizes below are Max.» WEBSITE ADS 1. Leaderboard file size: 40KB 2. Super Leaderboard file size: 40KB 3. Medium Rectangle file size: 40KB 4. Medium Rectangle In Content file size: 40KB 5. Filmstrip (static or animated gif) file size: 100KB 6. Horizontal Bar Same as Leaderboard 7. Pushdown (Must be created by ad agency not S&A) Max initial file load size: 60KB Subsequent max polite file load size: 350KB for creative files Subsequent max user initiated file load size: 1MB 8. Page Takeover See ad rep for details 9. Interstitial (static or animated gif) file size: 80KB» For more specialized ads (i.e. pushdown), IAB recommends 10 business days to assemble and test final ad unit provided all assets are fully functional and built according to spec.» All ads are IAB standard sizes. For ad demonstrations and other details, see the IAB guidelines here: guidelines/ /508767/displayguidelines» All rates are per 1000 impressions MEDIA GUIDE

9 ONLINE Auto Remarketing Podcast Your weekly dose of auto industry news and conversation with top executives, specifically tailored for the used-car side of the business. Subscribe today via itunes or Google Play. 1 Exclusive leaderboard ad on podcast website page 2 Verbal mention at beginning and during the podcast SPONSORSHIP OPPORTUNITY PER WEEK - $3,000 Auto Fin Journal 9

10 September+October 2018 // Vol 1, No 2 SPONSORED BY ONLINE Digital Magazine Edition DIGITAL EDITION SPONSOR PACKAGE INCLUDES: September+October 2018 // Vol 1, No 2 July/August SPONSORED BY Presentation Page to left of cover and Skyscraper to right. Leaderboard ad, top, on digital edition delivery 1 2» Presentation Page (9.5 wide x 11.5 tall) is an ad that runs to the left of the front cover of the digital edition. Please submit a 300 dpi, CMYK, PDF for all ads. If the ad is animated, please submit a SWF file in addition to the PDF. Only Flash animation is accepted. If animated, the first frame of the ad cannot be blank. Tracking URLs for Flash ads must be embedded in the file. There is no maximum file size, but the ad should be as small as possible for optimal page loading.» The skyscraper ad (120 pixels x 600 pixels) displays in the right margin of the digital edition. Skyscraper ads can be submitted as PNG, JPG, GIF or SWF. If animated, the first frame of the ad cannot be blank. A static image 1 AUTO FIN JOURNAL MOBILE OPTIMIZED SITE AutoFinJournal.com maintains a mobile optimized version. This mobile-friendly and adaptable site is designed to keep our readers informed as they access Auto Fin Journal s industry-leading content from their mobile device. Averaging over 20,000 visitors a month view AutoFinJournal.com on their mobile device. must be submitted with the animated file. Tracking URLs for Flash ads must be embedded in the file. There is no maximum file size, but the ad should be as small as possible for optimal page loading. FILE REQUIREMENTS» File type: JPG or GIF. If file type is Flash, the advertiser must provide a static image for browsers that do not support Flash. 3» Exclusive leaderboard ad (728 pixels x 90 pixels) on digital edition delivery . Leaderboard ads can be submitted as JPG or GIF. We cannot accept Flash animation for this ad. If sending an animated GIF, please be sure to create with desired number of repetitions as well as a properly branded final frame. The first frame of the 2 3 ADVERTISING RATES AD UNIT SIZE RATES 1. Leaderboard 320x170 $200/cpm 2. In-Content 300x250 $150/cpm 3-4. Scroll 300x250 $100/cpm animated GIF cannot be blank. Maximum file size: 700KB MEDIA GUIDE

11 AUTO FIN JOURNAL AUTO FIN JOURNAL ONLINE Digital Advertising HOME PAGE CONTENT PAGE INTERSTITIAL AUTO FIN JOURNAL AVAILABLE WEBSITE ADS AD UNIT SIZE RATES 1. Leaderboard 728 x 90 $1, Super Leaderboard 970 x 90 $1, Medium Rectangle 300 x 250 $1, Medium Rectangle (in content) 5. Filmstrip (up to 5 slides) 300 X 250 $1, x 600 per slide (up to 300 x 3000) $1, Interstitial 800 x 600 $750/day 6 You will be automatically redirected to AutoFinJournal.com in 4 seconds Continue to AutoFinJournal.com now Auto Fin Journal 11

12 ONLINE Newsletters 1 2 TARGETED NEWSLETTERS Newsletters allow Cherokee Media Group to put the most current automotive industry news and information in front of key audiences. Our newsletters are only sent to subscribers, so advertisers can be certain that their message is getting to the right consumers. AUTO FIN POST Auto Fin Post covers how data and technology are impacting financing and management. It s distributed every Monday and Wednesday to almost 25,000 subscribers. AD UNIT SIZE (px) POSITION RATE 1. Horizontal Bar 728x90 Banner 1 $2,000 / Month 2. Medium Rectangle 300x250 In-Content $2,000 / Month 3. Horizontal Bar 728x90 Banner 2 $2,000 / Month 3 FILE REQUIREMENTS» Maximum file size is 700K for JPG or GIF.» We cannot accept Flash animation in these ads.» If sending an animated GIF, please be sure to create with desired number of repetitions as well as creating a properly branded final frame.» Please ensure that the first frame for animated GIF placements contains your branding message. In some clients (such as Outlook 2007) only the first frame of an animated GIF will come through. In order to reach audiences in all clients, the first ad frame must include this information.» Please provide target URL MEDIA GUIDE

13 ONLINE Custom Marketing & Other Services See your ad rep for details. CUSTOM MARKETING Let Auto Fin Journal deliver your exclusive message to our subscribers. Custom s are a great alternative to direct snail mail marketing as they are delivered in a timely, measurable manner.» $4,500 per » Maximum of 80 characters for the subject line» Format: HTML» Maximum File Size: 200KB (html + images)» Recommended width: pixels» Use inline CSS only» All content must reside BETWEEN <body> and </body>» Image formats allowed: GIF or JPG only» All graphics must be 72 dpi» Text: Maximum of 300 words» If hosting the images on the S&A Cherokee Web server, be sure to provide all images WHITE PAPERS Your data-packed white paper will be delivered to our subscribership of almost 25,000. In addition to the custom , we ll provide advertising space on autofinjournal.com to market your white paper. Let us help you put your data in the hands of decision makers in the automotive and auto finance industry. MARKETING WEBINARS By hosting an exclusive webinar, you provide the topic, presenters and presentation materials. Cherokee Media Group will manage the process and help promote the event. The cost is $6,500 for an exclusive webinar. With an exclusive webinar, you receive the following:» Custom marketing campaign» 45-minute presentation with a 15-minute Q&A session.» Full data on all registrations (not just attendees!). This includes names, company, title phone number, address and questions attendees may have had during the webinar.» Post event metric reporting on marketing campaign.» Archived webinars on autoremarketing.com/autofinjournal. Auto Fin Journal 13

14 IN PERSON Automotive Intelligence Summit 2019 JULY 23-25, 2019 RALEIGH, NC You have questions about the future of auto. The Auto Intel Summit has visionaries and their insights to help you find the answers. AIS gives you the opportunity to meet and connect with the intellectual capital that is critical to providing innovative solutions for the industry today and for decades to come. autointelsummit.com

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16 Bill Zadeits Group Publisher , ext. 117 CONTACT US: (FAX) autofinjournal.com Amanda Dunlap Publisher , ext. 121 Auto Fin Journal is published by 301 Cascade Pointe Lane, Cary, NC Nick Zulovich Senior Editor , ext. 137 Erin Sayre Sales Support and Media Coordinator , ext. 118 Jessica Johnson Publisher , ext. 144 Cherise Klug Media Manager , ext. 130 Steve Leslie Publisher , ext. 156