Teres Solutions Integrates SAIL Indirect Lending Software with RouteOne; Move Automates and Increases Efficiency of Auto Loan and Lease Application Processes

MIAMI--Nov. 7, 2005--(CUNA Lending Conference) -- Teres Solutions, Inc. and RouteOne LLC today announced that they have integrated Teres Solutions' SAIL Indirect software with RouteOne, the joint venture formed in 2002 by DaimlerChrysler Services, Ford Motor Credit Company, General Motors Acceptance Corporation, and Toyota Financial Services. The agreement and new technology integration will allow credit unions and financial institutions using SAIL software to electronically tap into the RouteOne network to receive and manage auto loan applications, while expanding indirect lending opportunities. The new technology integration also gives lenders the ability to instantly respond to loan and lease applications, making the application process faster, more efficient and easier for credit unions, financial institutions, auto dealerships and applicants.

"The combination of the RouteOne and SAIL software solutions will provide dealers and financial institutions with a powerful tool in their quest to secure auto loans and leases," said Brad Rogers, RouteOne vice president of Sales and Marketing. "Our integration with Teres Solutions will ensure our mutual customers have an efficient and cost-effective solution to expand their lending portfolios."

RouteOne provides an efficient process by which auto dealers are able to process credit applications to their captive finance companies, as well as other finance sources and lending institutions, all from a single desktop. Teres Solutions' SAIL software products are used by some of the nation's most successful credit unions and financial institutions to automate their indirect and direct lending processes. Working together with RouteOne, the SAIL software products significantly reduce the time it takes for credit unions to review loan applications, request and review credit reports, enter data into core systems, make lending decisions, and quickly respond to RouteOne dealers.

"We are dedicated to working with leading solution providers like RouteOne to make lending management processes more efficient," said Dan Chaney, Vice President of Business Development for Teres Solutions. "By integrating our solutions, we're providing our customers with a powerful way to take their lending programs to new heights."

Key features of the SAIL family of products include:

-- Integration with RouteOne

-- Automated lending decisions through the SAIL Autopilot module

-- Sophisticated real-time reporting

-- Integration with major credit union core systems, including Summit, Symitar and ULTRADATA, Users, and XP

-- Browser-based technology for rapid deployment and maintainability; while hosted from within the credit union's infrastructure for greater security and control

-- Intuitive user dashboard

-- Roles-based security features

-- Automated credit checking

-- Application history lookup

-- Federal regulation compliance

-- Automatic dealer response generation

-- Direct forms integration with almost any form, including Loanliner forms as well as custom forms

-- Integration with NADA

-- Integration with Auto Financial Group for balloon loans

-- Integration with Loanliner.com for member & non-member direct loan origination

For more information about Teres Solutions and its SAIL software products, visit www.teressolutions.com.

About RouteOne LLC

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 deliver vastly improved efficiencies in the credit application process for automobile dealers, their customers and participating finance institutions. The joint venture has developed a web-based system that will enable dealers and all their finance sources, including banks and other financial institutions, to manage the credit application and consumer financing process online. More information is available at www.routeone.com .

About Teres Solutions, Inc.

Teres Solutions, Inc. was founded in 2002 for the express purpose of developing direct and indirect lending software products that define the state-of-the-art for the financial institution market. Its Software Application for Integrated Lending (SAIL) direct and indirect lending products allow financial institutions to streamline lending decisions, increase revenue through enhanced loan application processing efficiency, improve dealer and member relations, and augment loan tracking and reporting capabilities. Teres Solutions has been recognized as a Microsoft certified partner with accredited core competencies. Visit www.teressolutions.com for more information on Teres Solutions, its products and services.

SAIL is a trademark of Teres Solutions, Inc. All other company and product names mentioned are used only for identification and may be trademarks or registered trademarks of their respective companies.