2ND QTR F&I PERFORMANCE BY SIX LARGEST PUBLIC DEALER GROUPS

                                                         Q2 2011           Q2 2010                      Change per vehicle

ASBURY

F&I revenue per vehicle                     $1,112               $1,015                                9.6%                                                                                                                                                                                                                                                                                                               F&I % of revenue                                   3.3%                 3.0%                                                                                                                                                                                                                                                                                                                                                        F&I % of gross profit                            19.1%               18.0%

AUTONATION

F&I revenue per vehicle                     $1,243              $1,134                                 9.6%
F&I % of revenue                                  3.5%                  3.4%
F&I % of gross profit                            20.1%                19.8%
 

GROUP 1

F&I revenue per vehicle                    $1,126                $1,001                              12.5%                                                                                                                                                                                                                                                                                                               F&I % of revenue                                     3%                     3%                                                                                                                                                                                                                                                                                                                                                         F&I % of gross profit                            19.0%                18.9%

LITHIA

F&I revenue per vehicle                       $999                  $939                                 6.4%
F&I % of revenue                                  3.1%                  3.1%
F&I % of gross profit                            17.8%                17.0%


PENSKE

F&I revenue per vehicle                       $976                   $924                                5.6%                                                                                                                                                                                                                                                                                                               F&I % of revenue                                  2.4%                   2.4%                                                                                                                                                                                                                                                                                                                                                        F&I % of gross profit                            14.9%                 14.8%

SONIC

F&I revenue per vehicle                       $967                   $889                                8.8%
F&I % of revenue                                  2.8%                   2.6%
F&I % of gross profit                             18.0%                16.1%

Source: Company reports
FIRST INNOVATIONS, INC. "Innovative Automotive Solutions at Work"