November 10, 2003

Hank MacKnew, Sales Manager
The Shield Group, LLC
8304 Warbler Road
Suite 100
Weeki Wachee, FL 34613

Dear Hank:

I am writing this letter to thank you and PASSTIME for all of your help! I have to admit I was very skeptical when I first learned how your system worked. I had a hard time believing that any product would actually get my customers to pay on time. I am very happy that I decided to give it a try!

Since March of 2002 we have not sold one vehicle without a PASSTIME unit installed in it. I am appreciative of the fact that you have always been there to answer any questions that my staff and I have asked in getting PASSTIME implemented to my business.

There is no doubt in my mind that without PASSTIME reducing both our Delinquency and Repossession Rates, Checkered Flag Auto Sales would not have been able to recently open it’s second location. We have now doubled our number of monthly sales and just wanted to say “thank you”!