The Best Gets Better: e-fin Credit Transactions Fully Integrated into ERA2, Leading DMS System of Reynolds and Reynolds

    HICKORY, N.C., Jan. 25 Reynolds and Reynolds ERA2 system
is the market leader in dealer management systems.  Built on a foundation of
Total Integration, ERA2 has added new meaning to the concept.  Through
Reynolds' strategic partnership with e-fin, ERA2 users are assured integration
capabilities well beyond the customary departmental linkage such as sales,
accounting, and service.  ERA2 incorporates the power of e-fin to provide a
seamless link to electronic credit application transactions.
    Integrating the e-fin module into dealer management systems benefits
retail clients in many ways.  Principally, they now have a single process with
which to bi-directionally communicate digital finance transaction data with
any lender they have, or want, a relationship with.  Until now, there has been
either broadcast faxes or multiple electronic processes to deal with on a per
application basis; this integration technology creates a single data entry
process and makes F&I much more efficient and elegant for dealerships.
    e-fin, ( http://www.e-fin.com ), is the first and most comprehensive full-service
online indirect auto finance channel of its kind.  Through e-fin, F&I managers
in franchised and independent automotive dealerships are able to choose
financial products offered by their preferred financial institutions, quickly
and without the previous limitations imposed by time, money, and geography.
This is done by utilizing powerful, secure Internet communications and
transaction processing technology that is managed through the e-fin site.
    "We designed the e-fin system for precisely this kind of integrated
application.  Incorporating e-fin into the Reynold's dealer management system
completely eliminates the errors and efforts associated with double data entry
and provides all the streamlining efficacy of bi-directional integration.
This is how the industry wants to do these transactions.  We're very excited
that more than 8000 Reynolds dealers have access to this powerful
functionality," states David Sinclair, e-fin CEO.
    In addition to its role as minority equity investor in e-fin, Reynolds and
Reynolds also works with e-fin as a strategic partner, providing an array of
strategic and tactical services.
    Reynolds and Reynolds, headquartered in Dayton, Ohio, is the leading
provider of integrated information management solutions to the automotive
retailing marketplace. The company's services include a full range of retail
and enterprise management systems, networking and support, e-business
applications, Web services, learning and consulting services, customer
relationship management solutions and leasing services. To find out more about
the company, its vision, products and services, visit http://www.reyrey.com .
    More than 350 dealers nationwide have chosen e-fin as their source for
electronic credit transactions, as well as a variety of lending sources, prime
to subprime.  The first and most comprehensive service of its kind, e-fin
provides dealers with access to their preferred financing resources while
decreasing application approval time and providing direct access to pertinent
lender documents and other lender communications.
    To find out more about e-fin, visit the e-fin website at http://www.e-fin.com ,
or contact: David A. Sinclair, CEO or Pamela E. Morrison, VP Operations at e-
fin LLC, P.O. Box 1823, Hickory, NC, 28603; Tel: 828-267-0001 / Fax:
828-267-0211; Email: das@e-fin.com .