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.

StarLINK Asset The device comes with 4G (LTE - with selected bandwidth and CAT implementations: CAT-M1, CAT1, CAT4) modules The device comes with two way standard short range RF communication module. Which can be used to transmit data between the device and a mobile phone/tablet or read data from variety of external sensors and tags. External GPS and cellular antennas plugs. used to enhance The communication capability of vehicles in Which The communication of The internal antennas is limited, such as in armored vehicles 3D high sensitivity accelerometer and gyro supported with the Safety technology for Driving Behavior analysis and BlackBox feature. The technology can identify 20 maneuver types in 3 levels. The functionality offers event based driving behavior alerts. Voice communication support with the driver includes an external speaker and dedicated microphone. This variant kit offers an option to use ERM's keypad or a push button for quick dialing and manual call answer/disconnect. Trailer and Asset Tracking Device StarLink Asset is a tracking solution for trailers, containers and other valuable assets. The StarLink Asset is highly resistant to the outdoor environment and provides a powerful long-life battery for long-lasting functionality. The StarLink Asset is equipped with an integrated accelerometer and shock sensors, enabling the device to report only when motion is detected and to switch between two transmission profiles with different transmitting intervals, for long battery life and better efficiency. Key Features Long life functionality - up to 2000 transmissions Increased security features Easy and fast installation, using powerful magnets Features Implementation Areas Technical Specifications Environment & Software 1 Quad Band 2G or Dual Band EU/US for 3G cellular Embedded GSM and GPS antennas Geo-Fence management and alerts Low power consumption Cellular jamming detection Integrated 3D accelerometer and shock sensors Operating Temperature -20 to 70° C Storage Temperature -40 to 85° C Dimensions 16cm x 6.3cm x 3.4cm Weight (NET) 250g Durability Water and vibration resistance Max. Relative Humidity 90(±5)% Certifications CE, FCC, PTCRB, IC Optional Accessories Solar Charger 9V 80-1000mA solar charger Charger Kit (for StarLink AssetX) Cigarette Lighter Charger + 220v AC Heavy Duty Magnets 500 mA wall mount charger for quick installation GSM GPRS Quad-Band 900/1800/850/1900 / GPRS/UMTS/HSDPA Dual-Band US850/1900 or EU900/2100 + Optimized antenna Location MTK chipset, 99 channels, GPS/GLONASS, Active antenna, Sensitivity -165 dB, NMEA0183 acquisition (normal): cold 34s, warm 34s, hot 1s, accuracy: 2.5m CEP + Embedded optimized antenna Communication TCP/IP over GPRS/UMTS/EDGE/HSPA, text messages Accelerometer 8G sensitive 3-dimension accelerometer. Sampling rate: 10m/sec Connectors Asset: 10-pin Molex connector Input Ports 1 digital input Additional Ports 2 input, 2 output, 2 I/Os, 1 wire data for ERM accessories (eNet protocol) - While using external power Dedicated Ports Ignition port Power Supply 9-32VDC, 20-30mA, Standby mode (GPS and Modem off) 2mA (average) Backup Battery Rechargeable, 3.6V, 5800mAh (Li-Poly or Li-ion) Vehicle Interface Ignition On/Off, Engine On/Off (by voltage) Configuration / Firmware Update OTA / Via Standard PC USB Port, parameters setup, software update Data Logger Up to 8,000 messages 1 Track and Trace Driver Identification Predictive maintenance Asset and delivery tracking Cargo Safety Vehicle Security and SVR Insurance Toll Collection Driver Assistance Electric Vehicles Battery Monitoring Mining and Yellow Machinary Advanced Vehicle Analysis Motorbike Tracking and Security Articles & Case Studies Case Study: StarLINK Tracker – Optimizing Fleet Efficiency with Precision Tracking Client Challenge: Enhancing Asset Control in Logistics Operations A prominent client in the logistics field faced operational... ERM present Anti-Theft Vehicle Tracking Solution StarLink eConnect improves stolen vehicle recovery rates with unique jamming mitigation techniques and location networking capabilities....

StarLink Bike / RoadBuddy The device comes with variety of options for cellular communication technology to choose from: 2G (GPRS), 3G (UMTS), 4G (LTE - with selected band width and CAT implementations: CAT-M1, CAT1, CAT4) modules Used for drivers’ identification and management, and supports Black and White Lists. The ID variant includes two proximity remote controls (eCom Tags) and support various identification types. Additional Tags can be added at any time. ERM’s patented RF technology (eConnect) is designed to allow tracking of connectivity jammed vehicles (cellular and GPS), by enabling alternative communication between vehicles. The Variant offers 433Mhz or 915Mhz frequency, per request. Motorcycle Tracking Solutions Key Features: Low power consumption (< 2.3mA) Water and vibration resistance Fall and accidents detection / alert Output Logic Programming (OLP) for complex output signal Tow protection - perimeter lock Firmware Over The Air upgrade The StarLink eBike and RoadBuddy offers tracking and anti-theft solutions for motorcycles, designed to withstand the unique harsh terrain conditions of the motorcycle environment. ERM's Motorcycle solution includes two products: StarLink eBike- a full featured solution StarLink RoadBuddy- Very similar to the StarLink eBike, without alarm system and wireless remote control capabilities. Features Implementation Areas Technical Specifications Environment & Software 1 Integrated 3-axis accelerometer Internal backup battery Integrated movement and tilt sensor Alarm system - syren (eBike only), turn-signals and immobilizer kit Text alerts, including lacation coordinates GSM jamming detection Auto-recognition hands-free / proximity remote keyfob (eBike only) Geozone protection Speed limit alert Environment Operating Temperature -20 to 70° C Storage Temperature -40 to 85° C Dimensions 16cm x 6.3cm x 3.4cm Weight (NET) 250g Durability Water and vibration resistance Max. Relative Humidity 90(±5)% Certifications CE, FCC, PTCRB, IC Optional Accessories Solar Charger 9V 80-1000mA solar charger Charger Kit (for StarLink AssetX) Cigarette Lighter Charger + 220v AC Heavy Duty Magnets 500 mA wall mount charger for quick installation GSM GPRS Quad-Band 900/1800/850/1900 / GPRS/UMTS/HSDPA Dual-Band US850/1900 or EU900/2100 Location Embedded GPS active antenna Communication Two-way ISM band RF transceiver (eBike only) Connectors 10-pin Molex type CPU CPU ARM CORTEX-M3GSM Input Ports 1 digital line (RoadBuddy) / 2 digital lines (eBike) Output Ports 3 digital lines (RoadBuddy) / 1 digital line (eBike) Dedicated Ports eNet, Ignition Acceleration 10 m/sec sampling rate Internal Sensors Shock sensor, 3axis, ±8G Accelerometer Operation Voltage 8-16Vdc Battery Li-ion rechargeable battery 3.7V, 750 mAh Data Logger Up to 8,000 messages 1 Track and Trace Driver Identification Predictive maintenance Asset and delivery tracking Cargo Safety Vehicle Security and SVR Insurance Toll Collection Driver Assistance Electric Vehicles Battery Monitoring Mining and Yellow Machinary Advanced Vehicle Analysis Motorbike Tracking and Security Articles & Case Studies Case Study: StarLINK Tracker – Optimizing Fleet Efficiency with Precision Tracking Client Challenge: Enhancing Asset Control in Logistics Operations A prominent client in the logistics field faced operational... ERM present Anti-Theft Vehicle Tracking Solution StarLink eConnect improves stolen vehicle recovery rates with unique jamming mitigation techniques and location networking capabilities....

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