First Investors Financial Services Inc. (Company)

First Investors Financial Services Inc., through its wholly-owned subsidiaries ("First Investors"), is an automobile finance company founded in 1988 to serve the special finance needs of automobile dealers and consumers. First Investors has created a unique business model that encompasses Indirect and Direct Lending as well as portfolio acquisitions and third-party servicing. This multi-channel approach provides asset and revenue diversification as well as a deep understanding of the auto financing needs of both dealers and customers. The Company's Indirect Lending business primarily serves franchise automobile dealerships, offering a wide range of financing programs who generally target consumers with credit scores of 510 and greater, including a strong emphasis on consumers who have gone through a bankruptcy process. In addition, the Company places a strong emphasis on high levels of service to its dealer clients as well as stability in its funding process. First Investors conducts its loan servicing and collection activities through its wholly-owned subsidiary, First Investors Servicing Corporation ("FISC"). FISC not only provides loan servicing and collections services to First Investors and its other subsidiaries, but also to unaffiliated creditors. FISC is headquartered in Atlanta, Georgia and is authorized to service accounts in all 50 states and the District of Columbia.