First Investors Financial Services Group, with its corporate office located in Houston, is an independent consumer finance company. Established in 1988, it originates automobile loans indirectly through relationships with franchised automobile dealers and directly to consumers in the United States. The company s indirect lending business operates in more than 25 states, through relationships with over 2,000 automobile dealerships. Its direct lending business provides solutions to consumers who wish to refinance their existing automobile loans, to achieve lower monthly payments and lower overall finance charges. In addition to its automobile finance operations, First Investors Financial Services Group also engages in the purchase of portfolios of automobile loans from other lenders and the servicing of pools of loans for affiliated and nonaffiliated investors.