New Automotive Aftermarket Products & Insurance eGateway from NAT Establishes Seamless, Real-Time Interface Between Dealers, Aftermarket Providers, Including Insurance Companies and TPAs

Digital Workflow Solution with Two-Way DMS Integration Speeds Customers Through the F&I Process, Reduces Rating Errors and Enables a Compliant Product Presentation

Leading Third-Party Administrator National Auto Care Corporation Adapts NAT eGateway(TM) with Menu Selling to Better Service Its Customers

DEARBORN, Mich., Jan. 12 -- The NAT eGateway(TM), the first automotive aftermarket products & insurance digital hub, was introduced today at the 2004 Automotive News World Congress by NAT, Inc., the leading provider of workflow solutions for auto retailers and their aftermarket providers, including insurance companies and third-party administrators (TPA).

This digital hub connects auto retailers with their aftermarket providers in real time to help dealerships present and sell aftermarket products such as service contracts, GAP coverage, theft deterrent devices, credit life insurance and others faster, easier and more profitably through a seamless online process that enables regulatory compliance.

Just as online financing portals dramatically altered how dealership F&I offices source and present finance options, the NAT eGateway is the first electronic link between automobile dealers and their aftermarket providers.

An ASP model requiring only a PC and high-speed Internet connectivity, the NAT eGateway was developed by NAT under the leadership of CEO Peter Leger, formerly the CEO of CMSI-Credit Connection(TM) before its merger with online financing portal DealerTrack(TM). As president of ADP Dealer Services, Leger pioneered development of one of the industry's first online car-shopping portals, ADP AutoConnect, which later evolved as AutoTrader.com under Cox Enterprises(TM).

National Auto Care Corporation recently signed on as a premier client of NAT's automotive aftermarket products and insurance eGateway. National Auto Care will announce its offering of NAT's eMenu to its automotive dealer customers at the National Automobile Dealers Association annual convention, in Las Vegas, NV, Jan. 31-Feb. 4.

"After extensive industry research, we decided that NAT's technology and menu selling solutions were better than other similar solutions in the marketplace. But the real deciding factor was that NAT's eGateway will allow us to offer innovative new services to our clients, like eMenu Selling with real-time, online rating and integration directly with the dealer's management system," said Peter Biscardi, president of National Auto Care.

The NAT eGateway is composed of these following components to improve F&I management processes, sales and IT administration:

   * NAT eMenu(TM): A powerful sales menu of aftermarket products and
     insurance, ensuring accurate rates and deal information, deal
     customization and regulatory compliance, while reducing administrative
     and processing costs.
   * NAT eRating(TM): Automatically populates the system with real-time
     wholesale rates directly from participating aftermarket providers,
     including insurance companies and TPAs. Rates from non-participating
     providers can be entered into the eRating engine from dealer-provided
     sources.
   * NAT eIntegration(TM): Permits data exchange between the DMS and the NAT
     eGateway, eliminates multiple data entry and ensures data accuracy,
     including post-back into the DMS for aftermarket product deal
     finalization.
   * NAT eContracting(TM):  Reducing administration costs through
     automation, eContracting is the electronic submission of booked
     aftermarket contracts/applications directly to aftermarket providers'
     back office systems.
   * NAT eData Services(TM): Securely extracts multiple data types from the
     DMS to facilitate business interactions with dealer-authorized business
     partners like insurance companies, OEMS, auto portals and TPAs, etc.
     These data services are available to any dealer-authorized business
     partner who requires regular, efficient access to normalized and highly
     consistent DMS data.

"We are extremely pleased to be partnering with National Auto Care, a leading third-party administrator," said Leger. "Our NAT solutions will enable National Auto Care to increase market penetration of its aftermarket products while reducing administration costs and driving up customer satisfaction. The resulting increase in sales and decrease in administrative work creates a powerful win-win scenario for our clients that's not to be found elsewhere in the market place today."

  For dealers, the NAT eGateway:

   * Creates a faster sales presentation by generating accurate, appropriate
     menus for customers in seconds without additional time-consuming manual
     data entry, and it creates an effective and consistent product
     presentation that increases product penetration and average backend
     gross
   * Improves proposal, presentation and transaction accuracy, thus reducing
     administrative errors, ultimately reducing charge backs that cost
     dealers profit or risk their CSI when customers have to be called back
   * Increases aftermarket product sales by ensuring that all the products
     the dealer wants to sell are presented to every customer every time so
     a consistent sales process occurs
   * Creates customer-signed disclosure forms that decrease regulatory
     violations
   * Increases customer satisfaction by making the presentation of
     aftermarket products a faster yet more complete process
   * Offers predefined or ala carte menus, easily customized by the dealer
   * Integrates with most major DMS systems

For aftermarket providers, including insurance companies, TPAs and their agents, the NAT eGateway:

   * Increases contract accuracy, which decreases the need to manually
     recontact dealerships about contracts that are incomplete, inaccurate
     or mis-rated
   * Increases product penetration into dealerships by empowering dealers
     with NAT's eMenu to present and sell more products
   * Decreases processing costs by increasing contract accuracy, and submits
     data
   * directly to the backend system to reduce costs associated with contract
     approval and data entry
   * Enhances dealer satisfaction by reducing transactional friction, so
     good relationships with dealers can be strengthened
   * Improves competitiveness by providing a cutting-edge solution that
     offers a significant differentiation in the marketplace
   * Integrates seamlessly with most major DMS systems used at the auto
     retail location

Attendees to the Automotive News World Congress can request an online demonstration of the NAT eGateway and components by contacting James Maguire, VP, Marketing, NAT, Inc., at jmaguire@NATinc.com or 847-384-2200 ext. 3080. Attendees to the upcoming National Automobile Dealers Association annual convention in Las Vegas, NV, Jan. 31-Feb. 3, also can experience a demonstration of the NAT eGateway and components at booth #4172. For a copy of the important White Paper, 6 REASONS WHY THE DIGITAL HUB WILL IMPROVE F&I AFTERMARKET PRODUCT SALES AND PROFITS, contact jmaguire@NATinc.com.

About NAT (www.natinc.com)

Headquartered in Rosemont, IL, NAT, Inc. provides front and backend technology solutions to improve workflow processes for aftermarket providers, including insurance companies, third-party administrators (TPA) and auto retailers who underwrite, price, administer, manage and sell service contracts, GAP coverage, theft deterrent devices, credit life insurance and other aftermarket products. NAT's front end solutions are powered by the NAT eGateway and feature eMenu and eData Services. NAT's back office solutions include its SCS Automotive Platform that streamline and automate the traditional fragmented, time-consuming and error-prone manual processes required to administer, insure, price and market new aftermarket products, manufacturer warranties, extended service contracts and their related claims processing.

About National Auto Care (www.natlauto.com)

National Auto Care is a dedicated group of individuals committed to providing you with the best automotive aftermarket products and services. We pride ourselves on our commitment to serving the needs of our clients in a timely and professional manner! National Auto Care was founded in 1984 on the premise that personal service and commitment are the key ingredients of success. We have distinguished ourselves over the years as a company truly committed to meeting the needs of its clients.