Provider Exchange Network (PEN) is an electronic data exchange platform that integrates F&I product providers with dealership point-of-sale systems. PEN connects aftermarket product providers to dealer system providers including DMS, Menu, and Specialty Applications. The platform enables eRating for real-time product eligibility and pricing, and eContracting for electronic contract origination and registration. PEN serves over 140 product providers and supports integration with 40+ dealer-based systems, streamlining the sales and administrative process for VSC, GAP, and Tire & Wheel products.