---

Resource Dealer Group and OHA Financial Announce Alliance

5 May 1998

Resource Dealer Group and OHA Financial Announce Alliance

    ROLLING MEADOWS, Ill., May 5 -- Pat Donahue, CEO of Resource
Dealer Group ("Resource") and Richard Harrison, CEO of OHA Financial, Inc.
(doing business as One Hour Acceptance) ("OHA") announced today that the two
companies have formed a strategic business alliance to deliver a powerful new
product to serve the retail automotive industry.
    "The objective of this strategic alliance is to provide franchised dealers
with a business model and financing relationship which maximizes their profits
from the sub-prime credit marketplace," said Donahue.  "According to industry
estimates, 26 percent of car buyers today have some form of credit impairment
and that number is growing at 12 percent annually.  OHA and Resource have
developed a unique business model incorporating OHA's Sixth Profit Center(TM)
concept which will enable dealers to more profitably serve this growing market
segment on a sustainable basis."
    "Dealerships having focused special finance departments are more effective
and efficient in penetrating the sub-prime market," Harrison said.  "In
developing the Sixth Profit Center(TM) concept, we recognized that dealerships
would need assistance in building the organization, systems and procedures
associated with such a business model.  As an industry leader in consulting,
training and business development, Resource was the logical partner to
introduce this new business model to the retail automotive industry."
    Both companies emphasized that the relationship is not a brokerage
agreement, but a total and committed strategic alliance.  "Our dealer/clients
must have the right financing source in order to maximize results from the
Sixth Profit Center(TM) model, and as always, they look to Resource for
direction," said Donahue.  In making the announcement, Donahue said that his
company bad been searching for a relationship with a unique lender in the
special finance industry.  "We looked at several different companies in the
special finance industry, large and small.  OHA's solid management team has a
clear vision and understanding of sub-prime auto financing, and has developed
a corporate culture that is compatible with the way we do business.
Additionally, with all the turmoil that exists today among sub-prime lenders,
we sought an ally with a solid financial backing.  OHA is primarily owned by
DLJ Merchant Banking Partners, an affiliate of the Wall Street investment bank
of Donaldson, Lufkin & Jenrette."
    "We found what we wanted in OHA and its Sixth Profit Center(TM) concept,"
said Donahue.  "In fact, Resource's commitment to helping our dealer/clients
establish a Sixth Profit Center(TM) program is so strong that we have formed a
special division, Resource Financial Services, exclusively for this purpose."
Roger Meline, who was previously with Chrysler Financial for 28 years and has
served as Vice President of Sales and Marketing of Resource since 1989, has
been named President of this new division.
    Resource Dealer Group is the nation's largest independent provider of
financial services, products and customer-centered training for the retail
automotive industry.  They offer dealers unique credit insurance programs,
customized service contracts, lease customer products, used vehicle
certification, pre-paid maintenance plans, rental programs, finance and
insurance services training, and finance company partnerships.
    OHA Financial, Inc., is a Bedford, Texas based, privately-held corporation
founded in 1993 that provides indirect financing of new and used automobiles
for consumers who have limited access to traditional sources of credit due to
past credit problems and/or low incomes.

SOURCE  Resource Dealer Group