A GPS system that is equipped with accident notification sensors can be highly beneficial for Sub-Prime Lenders and BHPH Dealers, especially when they are lending to borrowers with higher credit risk. Ituran USA  is at the forefront of GPS innovation in the US, offering this game-changing feature that's unmatched in the industry. Thanks to the cutting-edge technology developed by ERM Telematics , Ituran's GPS systems provide unparalleled benefits to customers. Here's how it works and how it can help the Sub-Prime Lenders & BHPH Dealers: 1. Asset Protection Real-time Tracking : GPS technology allows the lender to monitor the location of the vehicle in real-time in cases where the borrower defaults on payments. It enables quicker repossession and helps secure the asset. Accident Alerts : If the vehicle is involved in an accident, the GPS device which is equipped with accelerometer sends instant notifications to the lender. This early information allows the lender to react more quickly in terms of assessing the vehicle's condition and initiating insurance claims. 2. Insurance and Recovery Claim Assistance : In the case of an accident, the GPS system can help provide accurate information regarding the time, location, and severity of the incident. This data can assist in expediting insurance claims and protecting the lender's financial interest in the vehicle. Loss Prevention : By having immediate access to accident notifications, the lender can quickly determine if the vehicle is totaled or needs repairs, minimizing delays in recovering or resolving the situation with insurance companies. Storge fees : knowing if the vehicle has been towed to an impound yard, can save the lender hundreds of Dollars in storage fees. 3. Borrower Risk Management (optional feature) Monitoring Driver Behavior : Some GPS systems can monitor driver behavior, such as speeding, harsh braking, and rapid acceleration. If borrowers are engaged in risky driving, the lender can use this information to better assess the risk of damage to the vehicle and adjust their lending practices accordingly (e.g., requiring higher down payments or rates for risky drivers). Loan Terms Optimization : The lender can use the data collected from the GPS to improve their decision-making when structuring loan terms. For example, high-risk borrowers with poor driving habits may receive tighter terms or mandatory insurance policies to mitigate the risk. 4. Improved Customer Communication Accident Response Support : If the borrower is involved in an accident, the lender can offer immediate support by informing insurance providers or providing guidance on next steps. This can strengthen the relationship between lender and borrower, potentially leading to better loan performance. Payment Flexibility in Emergencies : If an accident renders the vehicle unusable, the lender may have the option to temporarily adjust payment schedules or offer payment deferrals, which could prevent default and improve borrower retention.   6. Fraud Detection Accident Verification : In case of fraudulent claims where a borrower might report an accident that didn’t occur, the GPS data can be used to verify the legitimacy of the accident. The system can provide exact details on the accident’s location and severity, reducing the chances of false claims and saving costs. In summary, a GPS system equipped with accident notification can protect a subprime lender's assets, reduce losses, and optimize loan management by providing better data on borrower risk and vehicle status. This helps both in protecting the lender's investment and improving borrower relations. Efrat Bogoslavsky VP Revenue & Service Ituran USA 954-328-8404 ebogo@ituranusa.com

How to Protect Your Fleet from Theft? Advanced Security Solutions from ERM Advanced Telematics A fleet is one of the most valuable assets of any business, and protecting vehicles from theft is a critical challenge. Statistics show that over 60% of thefts  are carried out by organized groups that know how to bypass traditional security systems. However, advanced telematics technology  can significantly reduce these risks and minimize losses. ERM Advanced Telematics  has developed a cutting-edge dual-layer security solution  for fleet protection— StarLINK Tracker and IoTLINK Shadow . These devices work together to prevent theft, enhance vehicle recovery rates, and reduce theft-related losses by up to 40% . How Does It Work? ✅ Primary Protection: StarLINK Tracker This advanced GPS tracker provides real-time location tracking, geofencing alerts, and remote engine immobilization  to prevent unauthorized use of vehicles. ✅ Backup Protection: IoTLINK Shadow If thieves attempt to remove or disable the main tracker , IoTLINK Shadow automatically activates . This hidden, wireless backup device  remains undetected and allows remote vehicle immobilization through an external relay, ensuring that your fleet remains protected even in case of an attempted tracker removal. Why Choose ERM Advanced Telematics for Fleet Security? 🚀 Reduces Vehicle Theft Recovery Time by 40% Quick recovery means less financial loss. IoTLINK Shadow ensures that even if the main tracker is compromised, the vehicle remains trackable and can be remotely immobilized. 💰 20% Lower Installation Costs Unlike traditional tracking systems, IoTLINK Shadow requires no wiring , reducing installation complexity and costs while making it harder for thieves to locate and disable . 🔐 Proven Security with Real Results Fleet managers report a 30% decrease in theft incidents  and minimized vehicle downtime after implementing StarLINK Tracker and IoTLINK Shadow. 🚚 Compatible with All Vehicle Types This system is designed for trucks, buses, commercial vehicles, and specialized transport , providing a versatile  and reliable  security solution. Protect Your Fleet Today! Preventing vehicle theft is an investment in your business stability . With ERM Advanced Telematics , you get more than just GPS tracking—you get an intelligent security solution  that keeps your fleet safe and operational. Learn more and secure your fleet today!

Client : Leading Logistics Company Industry : Fleet Management Area : LATAM Region Background A top logistics company sought an effective way to streamline operations and reduce downtime across a diverse vehicle fleet. After assessing several options, they selected ERM Advanced Telematics’ eData  diagnostics and StarLINK Tracker  to enhance tracking accuracy and vehicle health monitoring. Challenges High Downtime and Maintenance Costs : Frequent breakdowns and maintenance issues disrupted productivity. Driver Behavior Monitoring : Real-time data was needed to minimize accident risks and improve driving habits. Fuel Consumption Tracking : Excessive fuel usage was a significant expense, compounded by limitations in the standard FMS protocol, which didn’t support specific fuel data. Solutions Implemented eData Intelligent Diagnostics : eData offered in-depth insights by supporting multiple CANBUS protocols and customizing alerts. This allowed for proactive monitoring and real-time diagnostics, tailored to each vehicle’s requirements. StarLINK Tracker : Integrated with eData, StarLINK Tracker provided real-time GPS tracking, route mapping, and detailed driver behavior analysis, allowing the company to monitor location, speed, and driving patterns comprehensively. Results (One Year) Reduced Downtime by 18% : Proactive diagnostics and scheduled preventive maintenance led to fewer unexpected breakdowns, significantly cutting downtime costs. Enhanced Driver Safety (16% Accident Reduction) : Customized alerts and detailed reports on driving patterns helped the company implement targeted driver training, leading to a safer fleet and a notable reduction in accidents. Fuel Savings (15% Annual Reduction) : By reverse-engineering the system to capture specific fuel parameters, ERM helped the client achieve fuel savings through optimized routes and minimized fuel waste. Increased Operational Efficiency (20% Improvement) : Multi-dimensional histogram reports provided actionable insights, enabling managers to make data-driven decisions and improve operational strategies. Conclusion Implementing eData and StarLINK Tracker has led to measurable improvements in fleet efficiency, safety, and cost savings for our client, reinforcing their standing as a logistics leader. Ready to Upgrade Your Fleet? Contact ERM Advanced Telematics or visit ERM Advanced Telematics  to learn how our solutions can drive your fleet’s performance forward.

ERM Advanced Telematics provides cutting-edge telematics solutions for fleet management, GPS tracking, antitheft security, and fuel monitoring. Maximize efficiency, safety, and control with our innovative systems trusted by businesses worldwide. 80+ countries presence 1M+ devices deployed annually 300+ products 39 years in the industry About Us Production Experience Partnership Deployment Presence in over 80 countries represented on our global network 1 million telematics units deployment annually More than 9 million automotive and IoT products and accessories deployed globally More than 300 different products 10 Registered Patents In addition to ERM’s investment in R&D, designing and developing telematics and connected cars hardware and software technologies and solutions, ERM also manufactures its products in-house and provides the customers with final hardware products. The production process includes electronic PCB assembly, uploading the embedded software, and packaging to ship. ERM’s quality assurance process monitors each and every sub-process during manufacturing in order to minimize problems and to ensure that the final shipped product meets the highest quality standards. ERM’s solutions are distributed all over the world thanks to successful collaborations and cooperation with service providers from various fields and businesses in the automotive industry. By creating fruitful partnerships, we are able to provide our partners with customized solutions for their needs, assisting them to lead their market by offering innovative and tailor-made services. We try to always be there for our partners and to support them with their specific requirements in the shortest time period possible. ERM’s solutions can be found in over 80 countries, all over the world. With offices in Israel and India, we are able to establish new partnerships and cater to the changing needs of our partners. At ERM we are always open to new challenges and invest our efforts and resources in making the necessary adjustments, meeting the different requirements and regulations of each country and each partner, and helping our partners to penetrate new markets and expand their businesses by grabbing new opportunities. Technologies At ERM Advanced Telematics, innovation drives us . We bring 37 years of expertise to the telematics industry, developing patented technologies that lead the market in precision and reliability. What sets us apart is our ability to customize these technologies to fit unique client requirements, ensuring each solution is as efficient and effective as possible. Vehicle Data & Telematics CANBUS Technology Fuel Management Driver Behavior & Safety Security & Anti Theft Asset Tracking IoT Technology Best Sellers Our Best Seller StarLINK Tracker Customizable Tracking Advanced Vehicle Diagnostics Enhanced Driver Safety Learn More eFuel DOME Wireless Fuel Level Sensing Effortless, Drill-Free Installation Seamless StarLINK Integration Learn More IoTLINK Shadow Battery-Powered Backup Tracking Wireless IoT Monitoring Asset Tracking with Auto Immobilization Learn More eData Real-Time Vehicle Health Alerts Customizable Rule-Based Diagnostics Insights with Multi-Layer Histograms Learn More Our Partners To play, press and hold the enter key. To stop, release the enter key. Our Product Telematics IoT Add-Ons StarLINK Tracker Ultimate, Function Rich Telematics Solution Highly Versatile: Configurable telematics device with extensive add-on options. Wide Compatibility: Suitable for most vehicles and compliant with global standards. Advanced Fleet Management: Delivers comprehensive solutions for optimized operations. View More StarLINK Asset Multi-Functional Trailer and Asset Tracking Customizable Features: Configurable telematics device with multiple add-ons. Universal Compatibility: Works with most vehicles and meets global standards. Fleet Management Excellence: Provides advanced solutions for optimized vehicle operations. View More StarLINK Bike/ RoadBuddy Motorcycle Ultimate Track Solution Comprehensive Security: All-in-one tracking and anti-theft solution for motorcycles. Durable Design: Built to withstand rugged and wet conditions. Integrated Immobilizer: Controlled via ignition key or remote, ideal for personal and fleet use. View More StarLINK EV Compact Telematics Solution Specialized for EVs: Compact telematics solution for electric vehicles and micro-mobility assets. Advanced Features: Includes CAN integration and safety for vehicles under 80V. Versatile Applications: Ideal for vehicle sharing, battery monitoring, and fleet management. View More StarLINK One Powerful Compact Tracking Device Affordable Tracking: Cost-effective solution for basic vehicle tracking needs. Compact & Easy Installation: Designed for quick and hassle-free setup. Versatile Use: Ideal for fleet management, basic tracking, and stolen vehicle recovery. View More StarLINK Scout Compact Telematics Solution Compact Design: Small yet powerful telematics solution. Advanced Features: Equipped for enhanced functionality. Versatile Applications: Ideal for diverse fleet management needs. View More eFuel DOME Wireless Fuel Sensor Drill-Free Installation : Connects via low-energy Bluetooth® to StarLink devices. Long Battery Life : Runs on a replaceable battery, even with the engine off. Accurate Tracking : Quick setup for efficient fuel monitoring. View More eData Ultimate Vehicle Diagnostic Tool Diagnostic Tool: eData provides real-time diagnostics via CANbus or OBD CAN. User-Friendly Interface : Simplifies rule and notification settings. Customizable Parameters: Supports any combination of parameter values. eFlash / ePoly Approach and Arriving Alert Solution Location Alerts: Stores key locations like speed cameras and work sites. Real-Time Warnings: Audio signals alert drivers when approaching stored locations. Enhanced Awareness: Helps drivers stay informed and safe on the road. View More View More eFlash SF Multi-Functional Driver Alert Solution Driver Alerts: Provides customizable visual and audio warnings for behavior, diagnostics, and proximity. Keypad Functions: Includes configurable buttons for actions like panic alerts. Real-Time Integration: Transmits events instantly when paired with ERM’s StarLink. eCom Moving Object monitoring Solution Short-Range Tracking: Tracks within small areas using an eCom Receiver and active Tags. Real-Time Reporting: Tags transmit ID and location based on time, location, or movement. Data Integration: Receiver sends collected data directly to a server. eMix Cement Truck Rotation Monitoring Solution Cement Truck Monitoring: Tracks mixer drum rotation and direction with dedicated sensors. Detailed Reporting: Provides data on where, when, and how much cement is unloaded. StarLink Integration: Works seamlessly with StarLink telematics devices for comprehensive insights. eVoice Audial Drive Alerts Solution Event-Based Alerts: Delivers pre-recorded or text-to-speech warnings for unsafe driving or location events. Customizable: Supports up to 100 alerts, easily managed via an intuitive app. Fleet Optimization: Enhances driver awareness and safety with real-time notifications. eCAN Non-Intrusive CANBUS Read Non-Intrusive Diagnostics: Reads CAN data by simply placing it over CANBUS wires. Custom Alerts: Enables personalized notifications based on CAN parameters. Detailed Reporting: Provides comprehensive insights for vehicle diagnostics. MagiCAN Non-Intrusive Simple CANBUS Read Easy Installation: Reads CANBUS parameters via electromagnetic induction, requiring no direct connection. Plug-and-Play: Simply place MagiCAN over CANBUS wires for immediate use. Broad Parameter Access: Enables effortless monitoring of broadcasted CANBUS data. View More View More View More View More View More View More KeyPad (5/10 Digits) Multi-Functional KeyPads Versatile KeyPads: Designed for a range of applications with seamless integration. Proprietary Protocol: Utilizes ERM’s eNet for reliable communication. Enhanced Compatibility: Interacts effortlessly with ERM products and solutions. View More TagLINK Bridge Harnessing the Power of Proximity: Effortless Data Collection. BLE Technology: Uses Bluetooth® Low Energy to activate Wiliot pixels remotely. Seamless Data Transmission: Ensures smooth data flow from pixels to the cloud server. Effortless Integration: Simplifies remote data collection and cloud connectivity. View More SMART MS Wireless Multi-Sensor Multi-Sensor Monitoring: Tracks environmental conditions for mobile and stationary assets. Versatile Applications: Ideal for IoT and asset monitoring across diverse use cases. Wireless & Compact: Designed for short-range, efficient, and flexible deployment. View More Shadow Wireless Multi-Functional IoT Tracker/Transmitter Wireless & Compact: Battery-powered tracker with no wiring required. IoT Ready: Serves as a cellular gateway for diverse IoT monitoring needs. Efficient & Versatile: Minimal power consumption for asset tracking applications. View More Pack Wireless Multi-Functional IoT Tracker/Transmitter Self-Contained Tracker: Battery-powered for standalone operation. Flexible Reporting: Sends data to the cloud or via ERM's StarLink devices. Efficient & Durable: Minimal power use ensures long-term wireless tracking for visible or covert applications. View More "When your dreams are limited by your knowledge, just use your imagination" Meir Hayman, Founder and CEO

Products Tracking Tracking and Telematics devices StarLINK Tracker Modular Tracking Device More StarLINK Asset Trailer and Asset Tracking More StarLINK Bike / RoadBuddy Motorcycle and Bike Tracking More StarLINK EV Motorcycle Tracking. More StarLINK One Motorcycle Tracking Solutions. More StarLINK Scout Compact Telematics Solution. More Add-ons Added features as external interfaces eFuel DOME Fuel Monitoring and Theft Alert. More eData Vehicle Diagnostic Tool More eFlash and ePoly Dashboard Keypad Panel for Driver Alerts. More eCom Moving Objects Monitoring. More eFlash SF Vehicle Diagnostic Tool More eMix Cement Truck Rotation Monitoring. More eVoice Driver Alerts Solution. More eCAN Non-Intrusive CANBUS Read More MagiCAN Non-Intrusive Simple CANBUS Read. More Keypad 5/10 Multi-Functional KeyPads More IoT IoT Technologies and Solutions TagLINK Bridge Effortless Data Collection More SMART MS Wireless Multi-Sensor More IoTLINK Shadow Wireless IoT Tracker/Transmitter More IoTLINK Pack Wireless IoT Tracker/Transmitter More

TagLINK Bridge Harnessing the Power of Proximity: Effortless Data Collection The TagLINK Bridge leverages Bluetooth® Low Energy (BLE) technology to remotely activate Wiliot pixels , enabling them to transmit data seamlessly. This empowers effortless data flow directly to the cloud server. Acting as a data intermediary, the TagLINK Bridge captures pixel data, relays it wirelessly to a gateway, and ultimately delivers it to the cloud for convenient access and analysis. This streamlined process ensures a smooth and efficient journey for your valuable pixel information. Features Implementation Areas Technical Specifications Environment & Software 1 Near 360 Degrees Energizing Capabilities 12-24V Input Power Designed for Both Automotive and InDoor Use Works With Wiliot© Pixles Environment Operating Temperature -40 to 75° C Storage Temperature -45 to 80° C Dimensions 10cm x 14.6cm x 2.35cm Weight (NET) 300g Durability IP65, Vibration Resistance Max. Relative Humidity 93(±2)% Communication Bluetooth© 2.4 Ghz RF 868MHz / 915MHz Connectors 4 pin Molex Connector, Micro USB Power Supply 9-32VDC, 200mA Digital Input Ignition On/Off Configuration OTA via Wiliot Platform Transmission Gain - Works with Wiliot® - Up to +30 dBm 900 MHz band energizing signal - Up to +20 dBm 2.4 GHz band energizing signal - BLE beacon filter and repeater functionality Certifications CE, FCC, E-Mark 1 Retail Stores Warehouses Transportation Logistics Cold Chain Storage Manufacturing Plants Airports Ports Construction Sites Healthcare Facilities Distribution Centers Post Offices