February 12, 2004

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

Dear Mr. MacKnew:

Murphy Motors started using PASSTIME in December 2003. We have not had the first problem and our past due accounts have been greatly reduced.

I would highly recommend PASSTIME to every Buy-Here Pay-Here dealer. You can have anyone call me.