Vehicle Service Contract Class Action Settlement

                            DISTRICT COURT
                         CLARK COUNTY, NEVADA

                            SUMMARY NOTICE

REUBEN J. ROCKER, et al.                     CASE NOS.  A-458551
          Plaintiffs,                                   A-470558
 v.                                                     (Consolidated)
SC&E ADMINISTRATIVE SERVICES, et al.,
          Defendants.

LEGAL NOTICE is provided by the Court Order. If you are a Class Member, this Notice is to inform you of a proposed settlement that could affect your legal rights.

THIS NOTICE SUMMARIZES A PROPOSED CLASS ACTION SETTLEMENT. ON JANUARY 31, 2005, THE DISTRICT COURT FOR THE COUNTY OF CLARK, STATE OF NEVADA, GAVE PRELIMINARY APPROVAL TO THE SETTLEMENT AS TO SETTLING AUTONATION CAR DEALERSHIP DEFENDANTS. ON AUGUST 4, 2005, THE DISTRICT COURT OF NEVADA GAVE PRELIMINARY APPROVAL AS TO THE SETTLING DEFENDANTS PAINTERS AUTOLAND, AMIGO AUTOSALES, HONDA WEST, NEVADA DODGE, BILL HEARD CHEVROLET CORP. NW, BILL HEARD CHEVROLET CORP. NW LAS VEGAS, CITY OLDSMOBILE, INC., COURTESY CARS, INC., COURTESY OLDSMOBILE, INC., COURTESY NORTH, LLC, COURTESY IMPORTS, FOOTHILLS MOTORS, NORM BAKER MOTORS (SETTLING CAR DEALERS), TRIAD MARKETING, LLC (TRIAD), SC&E ADMINISTRATIVE SERVICES, INC. (SC&E), AMERICAN PRIME ASSET, INC. (APA), A.M. BEST COMPANY, AND YAMAGATA ENTERPRISES, INC. (YAMAGATA) COLLECTIVELY (SETTLING DEFENDANTS).

YOU MAY BE A MEMBER OF THE CLASS. The Class is defined as all persons who bought or possessed a Vehicle Service Contract "VSC" for which the obligations of the issuer were insured by National Warranty Insurance Risk Retention Group (NWIG) that was purchased directly or indirectly from SC&E, APA or Triad prior to June 6, 2003 pursuant to which there is an unreimbursed claim incurred during the term of the VSC, or for which there remained an unexpired term on June 6, 2003, or otherwise purchased their VSC from one of the Settling Car Dealers.

To receive a more detailed summary of the terms and conditions of the Settlement, a Claim Form, or to learn how and when to lodge an objection to the settlement or to exclude yourself, visit the website at www.gilardi.com/rocker. If you do not submit a Claim Form for an unpaid repair or estimate for repair, you will not be paid.

CLASS MEMBERS WHO HAVE NOT EXPRESSLY EXCLUDED THEMSELVES WILL BE BOUND BY THE TERMS WHETHER OR NOT THEY FILE A CLAIM. To exclude yourself, you must submit a request for exclusion that includes your name, address, telephone number and your desire to be excluded from the Class to SC&E Claims Administrator, c/o Gilardi & Co. LLC, P.O. Box 8060, San Rafael, CA 94912-8060, postmarked by November 2, 2005 or it will not be accepted.

The Nevada State Court has scheduled a hearing on January 6, 2006 at 10:30 a.m. before the Honorable Valerie Adair in the District Court of the State of Nevada for the County of Clark, Dept. No. XXI, located at 8th Judicial District Court, Dept. XXI, Clark County Court House, 200 South Third Street, Las Vegas, NV 89101, to consider whether to grant final approval of the settlement.

DO NOT CALL THE COURT OR THE CLERK'S OFFICE.