Monetrics, Inc., a decision technology

company, has solidified a major customer, J.D. Byrider, billed as the largest used car

franchise in North America. J.D. Byrider will be implementing Monetrics’ Credit Module, powered by Decision Engine™ technology. This client-hosted solution will automate J.D. Byrider’s underwriting process for nonprime automotive loans for the fastest growing consumer segment in the United States.

“Although J.D. Byrider’s business mix is highly subprime, Monetrics, unlike many other firms, is able to automate this challenging underwriting process through our flexible technology solutions,” said David Larson, Monetrics' president and CEO. “This allows us to be among the industry’s ‘total credit spectrum’ solutions.”

“J.D. Byrider adheres to the philosophy that in order to dominate the market, we must continually enhance all aspects of our business, with our operating systems being a key component,” said Steve Wedding, senior vice president at J.D. Byrider. “By partnering with Monetrics, we are providing our clients with improved customer service, more consistent decisions and lower costs. Monetrics was able to improve our business by meeting the needs of our company and customers.”

“Our buyers buy better cars. We use the best reconditioning systems. Our sales representatives are skilled at satisfying the needs of our customers and treating them with respect,” said James F. DeVoe, chairman and founder of J.D. Byrider. “We also focus on finance operations and business management so our customers can buy with confidence at the best dealership possible. The Monetrics program is definitely leading-edge and helps keep J.D. Byrider out in front of the industry.”

Monetrics’ Credit Module automates decision and account management. By identifying key factors as positive, negative or neutral, the product allows users to apply attributes, as needed, and mirror the traditional, human decision and evaluation process, according to Monetrics.

About Monetrics, Inc.

Headquartered in Beverly, Mass., Monetrics, Inc. (www.monetrics.com) is a developer of decision technology and decision support systems for the financial services industry.

Using its proprietary Decision Engine® technology, Monetrics’ Collections Module permits clients to evaluate and analyze multiple risk factors in the collection of delinquent accounts to better evaluate the borrower’s total default risk.

Credit Module, also driven by Decision Engine® technology, evaluates customer risk profiles, while, according to Monetrics, completely replicating the credit underwriting process using patent pending relational technology.

Monetrics is a privately held company. Principal investors include BancBoston Ventures (www.bancbostonventures.com), Egan Managed Capital (www.egancapital.com) and Oracle (www.oracle.com).

About J.D. Byrider

J.D. Byrider (www.jdbyrider.com), headquartered in Carmel, Ind., bills itself as North America’s largest used-car franchise.

Since 1989, J.B. Byrider has opened more than 130 dealerships in more than 30 states.

According to the company, "The J.D. Byrider system is designed to serve the fastest-growing segment of the used-car market – people with less than perfect credit who need good cars to get on with their lives."

“We’ve matched over 300,000 people with the cars and financing they need,” said Steele Gudal, president and chief operating officer of J.D. Byrider Systems. “Our program is designed to put people into cars they can afford,

based on a realistic budget. We offer financing on the spot through our national lending company, CarNow Acceptance Company (CNAC). And, we back the car with a warranty and offer extended care programs."