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a publication of the New Hampshire Automobile Dealers Association June, 2007 Dateline: NH Inside this Issue www.nhada.com S pring marks regeneration in nature, and it also brings the first month of the Association year. Every year, volunteer leadership on the NHADA Board of Directors changes hands in May. This year, Bob Grappone of Grappone Automotive Group was elected to serve as Chairman of the Board. Also elected as Officers of the Association were: Scott Holloway of Holloway Pontiac Buick GMC Cadillac – Vice Chairman Holly Carlson of Carlson’s Motor Sales – Treasurer Donna Hosmer of AutoServ Dealerships – Secretary Dan McLeod – President Changing of the Guard Daniel B. McLeod 2006-2007 NHADA Chairwoman Sue Moynahan passes the gavel to 2007-2008 Chairman Bob Grappone Guard - Continued on page 2 Great Speakers ... Great Location ... Great Events ... GREAT COMPANY! REGISTER TODAY! FORM ENCLOSED LAST CHANCE! Meet Your Partners pages 4, 8, 12, 18, 21 (See complete listing on page 24) New Officers and Board Members page 3 NH Passes Minimum Wage Law page 4 OBD II Advisory Period Expires page 6 Health and Wellness Information pages 8, 10, 12, and 13 Ups and Downs of the Car Business page 11 Compliance and Claims Corners pages 13 and 14 NHADA “Town Meetings” Held page 16 Youth Labor Laws page 17 Safety/OBD II Statistics page 17 Compliance: Safeguarding/Audits page 18 From Your NADA Director page 22 Title Statistics page 24 Aerial view of scenic Newport” Photo by Onne Van Der Wal/ www.VanDerWal.com June 24-26, 2007 Newport, RI

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a publication of the New Hampshire Automobile Dealers Association

June, 2007 Dateline: NH

Inside this Issue

www.nhada.com

Spring marks regeneration in nature, and it also brings the first month ofthe Association year. Every year, volunteer leadership on the NHADABoard of Directors changes hands in May. This year, Bob Grappone of

Grappone Automotive Group was elected to serve as Chairman of the Board.Also elected as Officers of the Association were:

• Scott Holloway of Holloway Pontiac Buick GMC Cadillac – Vice Chairman• Holly Carlson of Carlson’s Motor Sales – Treasurer• Donna Hosmer of AutoServ Dealerships – Secretary• Dan McLeod – President

Changing of the Guard

Daniel B. McLeod

2006-2007 NHADA Chairwoman Sue Moynahan passes the gavel to 2007-2008 ChairmanBob Grappone

Guard - Continued on page 2

Great Speakers ...

Great Location ...

Great Events ...

GREAT COMPANY!

REGISTER TODAY!

FORM ENCLOSED

LAST CHANCE!

Meet Your Partners

pages 4, 8, 12, 18, 21

(See complete listing on page 24)

New Officers and Board Memberspage 3

NH Passes Minimum Wage Lawpage 4

OBD II Advisory Period Expirespage 6

Health and Wellness Informationpages 8, 10, 12, and 13

Ups and Downs of the Car Businesspage 11

Compliance and Claims Cornerspages 13 and 14

NHADA “Town Meetings” Heldpage 16

Youth Labor Lawspage 17

Safety/OBD II Statisticspage 17

Compliance: Safeguarding/Auditspage 18

From Your NADA Directorpage 22

Title Statisticspage 24 “““““Aerial view of scenic Newport”

Photo by Onne Van Der Wal/www.VanDerWal.com

June 24-26, 2007

Newport, RI

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

page 2 June, 2007

ChairmanRobert GrapponeVice ChairmanScott Holloway

TreasurerHolly Carlson

SecretaryDonna Hosmer

PresidentDaniel B. McLeod

Endorsed byNHADA

New Members

STAFFPublisher Robert GrapponeEditorial Director Daniel B. McLeodManaging Editor/ Louanne Theriault Design and LayoutTypographers Louanne Theriault,

Lisa Lavoie, Donna SopperAdvertising Coordinator Lisa LavoiePhotographer Michael Rosenblum

This publication is designed to provide accurateand authoritative information in regard to thesubject matters covered. In publishing thisnewsletter, neither the authors nor the publisher areengaged in rendering legal, accounting, or otherprofessional services. If legal advice or other expertassistance is required, the services of a competentprofessional should be sought.

Advertisements appearing inDateline: NH do not indicatea specific endorsement by NHADAof the products or services unlessthe NHADA endorsement symbolappears with the advertisement.

Published monthly at Bow, New Hampshire,by the New Hampshire Automobile DealersAssociation. Mailing address: P. O. Box 2337,Concord, NH 03302-2337, 603-224-2369/800-852-3372.

Jack Tulley

ADVERTISING RATESFull Page: Color $650 B&W $5251/2 Page: Color $400 B&W $3251/3 Page: Color $325 B&W $2501/6 Page: Color $250 B&W $200

www.nhada.com

Jay Alosa, Heavy-Duty TrucksFrank Brady

Andy CostelloKevin Donovan

Jim FylesPaul Gladstone

Robert GrapponeMark Hesler, MotorcyclesPaul Holloway, Honorary

Scott HollowayKevin Kopp

Susan Moynahan, Immediate Past ChairwomanLarry Phillips, Non-Franchised

Peggy Proko

2007-2008 NHADA OFFICERS

2007-2008 NHADA DIRECTORS

NADA DIRECTOR

I have all the confidence in the world that the 2007-2008 NHADA Board ofDirectors will continue the rich tradition of developing meaningful policy thatwill benefit all members of NHADA, and the seasoned veterans of NHADAwork diligently to implement the Board-directed policy.

Once again, Sue Moynahan of McFarland Ford Sales has demonstrated herleadership serving as Chairwoman over the past year. She has done anabsolutely outstanding job in leading the Board during a year that has seensignificant adjustments in New Hampshire politics. The changes that haveoccurred during her term have included the totally unpredictable shift inpower whereby the Democrats have taken over the majority of the NewHampshire House and Senate, the Executive Council, as well as two U.S.Congressional seats. We have also seen the significant “Changing of theGuard” at the Department of Safety with Governor Lynch not reappointinglong-term Commissioner Dick Flynn and appointing former Colonel of theState Police, John Barthelmes. To say the landscape has changed is anunderstatement!

On a personal level, I am extremely grateful for Sue’s organizational skills inchairing the Search Committee for my replacement. This has been extremelytime consuming and an additional duty that no member of the Board has hadto take on for 20-plus years.

I have often said that New Hampshire is fortunate to have members ofNHADA who are willing to volunteer their services to their industry by servingon the NHADA Boards. It is extremely important to note that NHADA is aBoard-driven Association; and I am certain that, with a continuation of thevolunteer member leadership, NHADA will continue this tradition for manyyears to come.

Guard- Continued from page 1

Concord Nissan, Inc.175 Manchester StreetConcord, NH 03301

224-1300Owners: Robert Forget and

Scott Boucher

Competition Motors LTD40 Long Meadow RoadPortsmouth, NH 03801

431-0035Owner: Donald Koleman

NHAEF Center for Automotive Education and Training

Upcoming Seminars – REGISTER ON-LINE (www.nhada.com)

June 12 NH Title RegulationsJune 14 Hazardous Materials Certification Training – Ground and Air

Please contact Brendan Perry or Jean Conlon at 800-852-3372 if you have questions.

June, 2007 page 3

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

2007-2008 NHADA Officers

(Seated, L-R) Chairman Bob Grappone and Vice Chairman Scott Holloway(Standing, L-R) Secretary Donna Hosmer, President Dan McLeod, and Treasurer Holly Carlson

Jim Fyles of Gil’s Jeep, Inc. inStratham was recently elected toserve a five-year term as an

At-Large Director on the NHADABoard. Jim replaces Sue Moynahan ofMcFarland Ford Sales in Exeter, et al.Sue will remain on the NHADA Boardas Immediate Past Chairwoman forthe next year. Jay Alosa ofFreightliner of New Hampshire inLondonderry, et al. was reelected toserve another term as Heavy-DutyTruck Director on the NHADA Board.

New Board MembersElected

Louanne Theriault, Director of Communications

In addition, Vicki Marcinkevich ofTeam Nissan in Manchester and SueWentworth of Wentworth Motor Salesin Exeter were elected to serve on theNHAD Services, Inc. Board ofDirectors. Vicki will serve a three-yearterm and replaces Ken Plante ofTri-City Subaru/Dodge inSomersworth, who is the ImmediatePast Chairman of the Services’ Board.Sue will complete the remainder ofthe three-year term of Greg Maine ofMaine Auto in Hillsboro, which willexpire in 2008. Chuck Knight of

Wyman’s Chevrolet-Pontiac in Hillsboro was reelected to serve anotherthree-year term.

NHADA thanks all past and present Board members for volunteering theirtime and for their willingness to serve the members of NHADA.Jim Fyles

Sue WentworthVicki Marcinkevich

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

page 4 June, 2007

Meet Your Association Partners

ADESA BostonSilver

Dave Regan

“Wholesale Auto Auction”

For dealer consignment information, pleasecontact Chris Carli at 508-270-5940. For allother inquiries, please contact Jack Neshe

at 508-626-7000 or Dave Regan [email protected] or 508-922-8313 (cell)

or 508-270-5948 (auction direct). (see ad opposite)

Mark Broth, Esquire

On May 3, 2007, the NewHampshire Legislatureenacted House Bill 514,

which amends the State’s minimumwage law. This is the first amendmentto the State minimum wage law since1997, when the minimum wage wasincreased to $5.15 per hour.

Under the new law, which will go ineffect 60 days after the passage, theminimum hourly wage will increaseto $6.50 per hour effectiveSeptember 1, 2007. EffectiveSeptember 1, 2008, the minimumwage will increase to $7.25 per hour.

Through the federal Fair LaborStandards Act (FLSA), Congress hasestablished a national minimumwage, which is currently $5.15 perhour. The FLSA also allowsindividual states to establish theirown minimum wage laws; and some

New Hampshire Passes Law Increasing Minimum Wage

states, including Massachusetts, allowtowns and cities to establish their ownminimum wage. Employers doingbusiness in a community must alwayspay the highest minimum wage towhich they are subject, whetherfederal, state, or local.

Because of the political sensitivity ofthe issue, Congress has often waitedfor extended periods before reviewingminimum wage rates. The originalminimum wage of $.25 per hour wasestablished in 1938. The minimumwage did not reach $1.00 per houruntil 1956 and did not reach $2.00per hour until 1974. The current rateof $5.15 per hour was not establisheduntil 1997.

During the years between federalincreases, many states, including NewHampshire, have enacted higher stateminimum wages. This was last true inNew Hampshire during the 1980s,when, for a period of time, the Stateminimum wage was $.10 higher thanthe federal. In recent years,surrounding New England states haveall enacted minimum wage increases.In Maine, the current minimum wage

of $6.75 per hour will increase to$7.00 on October 1, 2007. InVermont, the current minimum wageis $7.53; in Massachusetts, thecurrent minimum wage is $7.50.

New Hampshire’s minimum wage lawalso increases the minimum wage fortipped employees. Tipped employeesare those who regularly receive morethan $30.00 per month (previously$20.00) in tips directly from thecustomer. Tipped employees mustnow receive, in addition to tips, asub-minimum wage equal to45 percent of the current minimumwage ($2.93 per hour).

The new increase in minimum wagedoes not impose a legal requirementto increase the wages of employeeswho are already paid above minimumwage levels.

(Mark Broth is with the law firm of DevineMillimet, a Silver Association Partner. Youmay call 695-8582 to access Devine Millimet’sfree Employment Law Hotline.)

June, 2007 page 5

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

Automotive ExperienceSince 1975

“I’ve worked with Shepherd

and Goldstein for over

25 years, and I am constantly

impressed with their attention

to detail and excellent

customer service. I have

complete trust in their abilities

and I depend on their services

to help my dealership thrive

and prosper. They are the

Automotive Specialists!”

— Paul Gladstone, Gladstone Ford Offices in WORCESTER, MA •WEST YARMOUTH, MAFRAMINGHAM, MA • HOPEDALE, MA

Are You Looking for More Than Just OK?

Our 2005 Client Survey Results1. Timely Service 4.62. Personal Attention 4.63. Technical Expertise 4.5

Ratings are based on a scale of 1–5, with 5 being the best possible score.

All accountants talk about their good service, but sometimes that’s all it is, just talk. At S&G, we put our money where our mouth is! We

provide excellent service to our clients, day in and day out, guaranteed!

Call our Managing Partner, Terence Shepherd today at (508) 757-3311 and explore the possibilities.

(508) 757-3311 www.sgllp.com

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

page 6 June, 2007

On July 1, 2007, all 1996 andnewer OBD II-equippedmotor vehicles must pass the

OBD II test and safety inspectionrequirements in order to receive asafety inspection sticker.

The reason the OBD II inspectionrequirements have been phased inwas to allow the OBD II AdvisoryCommittee time to develop a plan inwhich certain individuals that areeconomically disadvantaged would beable to still operate their vehicles forone year if the vehicle did not passthe OBD II test.

The OBD II Advisory Committee hasrecommended an Economic Hardship

Waiver be provided for thoseindividuals who are unable tofinancially repair the OBD IIproblems on their vehicles. TheDivision of Motor Vehicles will makethis Economic Hardship Waiver formavailable to consumers, either directlyor through inspection stations; andthe Department will either accept orreject the application based on thecriteria they have developed. It willbe up to the consumer to completethe Economic Hardship Waiver formand remit it to the Department. If theapplication is rejected, the consumerwill have 60 days from the date ofthe initial inspection to have thevehicle repaired to meet OBD IIstandards.

All vehicles must pass the safetyinspection in order to receive a sticker.There will be no Economic HardshipWaivers for safety inspection failures.

Also, please remember that if avehicle fails the OBD II inspectionand the owner decides to sell thevehicle, the law requires the seller todisclose to the buyer the fact that thevehicle will not pass the OBD IIinspection.

I am sure we will be reporting moreinformation to you as it becomesavailable from the Department ofSafety, Division of Motor Vehicles.

OBD II Advisory Period Expires on July 1Daniel B. McLeod

June, 2007 page 7

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

The Way Our Vehicles Come Together Is What Sets Us Apart

The New England Chrysler Dealers

are proud sponsors of the NHADA

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

page 8 June, 2007

Meet Your Association Partners

Global PaymentsSilver

Linda Chapin

“Offers merchants credit anddebit processing”

For more information,please contactLinda Chapin,

NE Regional Manager, at877-767-7841 or at

[email protected] or visit

globalpaymentsinc.com.

If you are insured through NHADA’s traditional Anthem products, eachinsured adult is covered for one vision exam every two years. Each insureddependent 18 years or younger is covered for one exam annually. Your regularprimary care physician co-pay applies. In addition, through Anthem’s SpecialOffers program, each covered member is entitled to discounts for eyeglasses atnetwork locations.

Each adult insured through NHADA’s Vision Service Plan (VSP) is coveredfor an eye exam ANNUALLY and may also purchase prescription glasses andframes every two years, WITHOUT any co-pay.

If you are already paying thepremium for these benefits, why notuse them? You are not only ensuringthat you see clearly, but you are alsohelping to detect a number of serioushealth conditions, such as glaucoma,cataracts, and diabetes. Plus, eyeexams for children can spot problemsthat can impact learning anddevelopment.

If you are not already insuredthrough NHADA’s Vision ServicePlan coverage, please contact meat 800-852-3372 or [email protected]. The ratesare surprisingly affordable!

Vision Awareness MonthSusan Manning, Account Producer

Did you know that June is Vision Awareness Month? Have youhad your annual eye exam?

June, 2007 page 9

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

Insurance coverages and non-insurance products & services are underwritten and provided by member companies of Zurich in North America, including Universal Underwriters Insurance Company and UniversalUnderwriters Service Corporation. Certain coverages and products and services are not available in all states. ©2007 Zurich American Insurance Company.

abcWhat if you knew your insurerwas committed to your success?

Contact Jim Walsh

800-633-8842Regional Sales Manager

We help build F&I profits and protect your dealership.Zurich provides the strength, stability and specialization to help cover your

dealership risks and build F&I profits. With this powerful combination, let

us help support the success of your business with insurance solutions that

fit your needs. Property & Casualty • GAP • Dealer Risk Management

Training • Vehicle Service Contracts • Binding Arbitration Program • Road

Hazard Tire & Wheel • Discrimination: Zero Tolerance Training Program

www.zurichna.com/zdu

Endorsed byNHADA

for Property/CasualtyCoverage,

Vehicle ServiceContracts,

GAP Insurance

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

page 10 June, 2007

NORMA WILLARDAutomotive Consultant

BS Accounting – MBA

Financial Statement AnalysisInterim Controller

Accounting Systems ReviewManagement Trainer

Does your dealership needan accounting “tuneup”?

Does your staff needadditional training?

Cell: 603.438.48787 Lakeview Drive, Dover NH 03820E-mail: [email protected]

DEALERSHIP ACCOUNTING SPECIALIST

Health Savings Accounts (HSAs) are portable, tax-advantaged savingsaccounts that can be likened to medical IRAs. Unused money is rolledover from year to year (there is no “use it or lose it”), money grows

through interest and investments, and it can be used to pay for a wide varietyof health- and wellness-related products and services. Any adult who is coveredby a qualifying high-deductible health plan (and has no other first-dollarcoverage except for preventive care) may establish an HSA.

HSA-eligible health plans reduce healthcare costs for U.S. businessesdramatically, with some studies citing a 20 percent to 30 percent lower costthan average premiums. Part of these savings should be used to provideemployees with recurring contributions to their HSAs, representing a portionof their deductibles. This practice allows the employer to recognize significantcost savings while reducing the out-of-pocket healthcare cost risk andproviding a portable pool of healthcare money managed directly byemployees.

NHADA offers the Health Savings Account option as part of our medicalbenefits package. If you are enrolled now in one of our products, you will havereceived HSA summaries and rates in your renewal packet in the past.

On The Road with Health Savings AccountsSusan Manning, Account Producer

However, because this product israther intricate to understand andyour company is under timeconstraints to complete your medicalrenewal, you may have decided therejust wasn’t time to make that kind ofdecision. Therefore, you renewed intraditional health plans.

A good time to become educatedconcerning HSAs is during the slowersummer months. I will be contactingour membership and offering to comeon-site and discuss how these planswork and to help you decide whetherthey are going to be viable options foryour company at renewal. Then,when your rates arrive, you will knowexactly how the plans work and howyou might save yourselves and youremployees premium dollars with thesebenefit options. Even if you decidenot to use the HSA as a choice foryour company, you will have done soin an informed manner.

Health Savings Accounts are the waveof the future. We believe they aregoing to be mainstream, much likeHMOs are now mainstream in NewHampshire. It took some time toallow ourselves to be told whichnetwork providers we could access toreceive medical benefits, but weeventually came around. The samewill occur with Health SavingsAccounts. It’s time to learn how theywork.

If you have any questions, please feelfree to contact me at 800-852-3372or at [email protected].

HSAs

HSAs

HSAs

June, 2007 page 11

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

BG Products are sold exclusively at dealer service departments and

automotive repair centers that use the BG Maintenance Awareness Program

(MAP). The MAP Program provides service professionals with the tools to

educate customers regarding the importance of regularly scheduled

preventative maintenance for longer vehicle life.

Ask about the BG Protection Plan

(800) 543-6632

Please visit www.wedriveservice.com for more information.

Find a Shop near you at www.bgfindashop.com

Warehouse Distributors of New England

James N. Viara, President

0

2500

5000

7500

10000

12500

15000

17500

20000

22500

25000

03/06 04/06 05/06 06/06 07/06 08/06 09/06 10/06 11/06 12/06 01/07 02/07 03/07 04/07

New Cars Used Cars

The graph to theright vividlyportrays sales

and the difficultydealers have beenexperiencing over thepast 12 months. As youcan see, there are somepretty dramatic changesfrom month to month.Overall, we are downfrom past years, and itremains extremelydifficult to bring anypredictability involvingsales in our business.

The Ups and Downs of the Car BusinessDaniel B. McLeod

The good news is that I am receivingreports from our recently held “TownMeetings” that dealerships areexperiencing a greater level of traffic.

The best description of the retailmotor vehicle business today is that“it’s a fight.” Every day dealers andtheir employees have to exert greatenergy and thought in order to keepand win over customers. Actually, wehave to spread the word that all ofour problems are benefits toconsumers. It really is a very goodmarket to be a consumer!

As all dealers know, nothing goodhappens unless you do all the rightthings to make it happen.

* SAVE THE DATE *

2007 NHADA Fall BusinessMeeting & Partner Expo

November 14Grappone Conference Center

Concord, NH

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

page 12 June, 2007

Wellness Corner

Have you had your cholesterolchecked lately? Do youknow your “numbers”? Do

you know what they mean? Whatexactly is cholesterol?

Since the National CholesterolEducation Program (NCEP) issued itscholesterol guidelines in 2004, anumber of studies have providedevidence that when it comes to LDL(bad) cholesterol and overallcholesterol levels, the lower the better.This does not mean that thehealthiest cholesterol level is zero.

Our bodies need cholesterol – it isessential for life. Both men andwomen would not be able to producegender-specific hormones, such astestosterone and estrogen, in theabsence of cholesterol. The intestinescannot digest food withoutcholesterol, and the body’s cellscannot create their outside coating, ormembrane. The body needscholesterol to ensure proper functionof the nervous system.

What is not good is having too muchcholesterol and carrying it in thebloodstream in particles that depositit in the wrong places. Too muchcholesterol in the blood has beenlinked to the formation of fattyplaques that can narrow arteries,including those that supply the heartmuscle itself. This buildup ofcholesterol in the arteries reducesblood flow, creating the risk of aheart attack or stroke. Most people’sbodies already make more cholesterolthan they need, so a diet thatincludes foods that are high insaturated fats and trans fats boostscholesterol levels significantly.

Cholesterol: The Good, the Bad, and the Ugly!(Part 1)

Lisa Duclos, Wellness EducatorCholesterol is cholesterol no matter what. But depending on how it istransported in the blood, cholesterol can be either “good” (HDL – think “H”for healthy) or “bad” (LDL – “L” for lousy). Cholesterol is carried in the bloodin particles called “lipoproteins.” These particles are made up of cholesterol onthe inside and protein on the outside. Like a highway at rush hour, thebloodstream carries many sizes of fat-transporting particles, from small, denseones (HDL – heavy) to light, fluffy ones (LDL). The higher the ratio of fat toprotein, the lower the lipoprotein particle density, thus, more fat means lowerdensity.

Because the LDL cholesterol is light, or less dense, it can easily attach to thelining of arteries and build up over time. HDL particles made by the liver andintestines contain lots of protein, but not much fat, making them heavier, ormore dense than LDLs. The HDL particles sponge up excess cholesterol fromthe linings of blood vessels and elsewhere and carry it off to the liver fordisposal. If you think of the LDL that builds up inside blood vessels ascirculatory garbage, then HDL is like a garbage collector that picks up fattymaterials from blood vessel walls and delivers them to the liver for removal.

High blood cholesterol does not produce symptoms, so many people may notknow that their blood cholesterol is too high. The good news is that bloodcholesterol can be easily checked and can be controlled. Since HDL cholesterolprotects against heart disease, higher numbers are better. A level less than45 mg/dL is low and considered a major risk factor because it increases yourrisk for developing heart disease. On the other hand, HDL levels of 60 mg/dLor above are considered to be high enough to provide protection. A desirabletotal cholesterol level is less than 200 mg/dL, while an optimal LDLcholesterol level is less than 100 mg/dL.

For ways to lower your cholesterol numbers, watch for Part 2 in the nextedition of Dateline. If you would like additional information on cholesterolmanagement or a presentation at your location, please contact me toll free at800-852-3372, at my direct line at 230-2169, or by e-mail [email protected].

Meet Your Association Partners

Compliance Network of New EnglandBronze

“Drug testing, pre-employment, random, on-site”

For more information, please contact Jason Allen at 623-1100 or at [email protected].

June, 2007 page 13

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

NHAD Services, Inc. – Insurance Division has contracted with Occupational Health Management (OHM) toprovide cholesterol, glucose, and blood pressure screenings to all employees (and their spouses) of NHADAmember companies that have medical insurance with Anthem through NHADA. NHADA member companiesthat do not have Anthem medical coverage through the Association are eligible for the screenings at a cost of$25 per person. If your company is interested in offering screenings or you would like more information on thisgreat opportunity, please contact Lisa Duclos, Wellness Educator, toll free at 800-852-3372, her direct line at230-2169, or by e-mail at [email protected].

Know YKnow YKnow YKnow YKnow Your Numbers!our Numbers!our Numbers!our Numbers!our Numbers!

Recent screenings at AMD Subaru, Inc. in North Hampton

Nancy Vesco, RN, from OHM (Occupational Health Management) tests Michele White, Sales Consultant, and Martin (Marty)Freiermuth, Internet Sales Manager

Compliance Corner

Heat stress, heat exhaustion,and heat stroke are all veryserious conditions that

members must be concerned withduring the summer months. Signs ofheat stress include dizziness,weakness, vision problems, cramps,and nausea. Heat stress can escalateinto more serious conditions. Signs ofheat exhaustion include excessivesweating, chills, clammy skin,extreme weakness, and rapid pulse.Heat stroke is life threatening andrequires prompt medical attention.

In addition to the above-listed heat-related ailments, the affects ofsummer heat can also be a

Beating the Heat

Brian Duplessis, CSPNHADA WCT Loss Prevention Coordinator

contributing factor in other types ofinjuries.

Every year Loss Prevention gets callsfrom members asking about wearingshorts in the shop. We have alwayscautioned members that, aside fromthe heat, it is safer for technicians towear pants that protect the legs.There are other measures, however,that should be taken to keep techsfrom being overheated.

• Drink plenty of water or other non-caffeinated beverage. Caffeine acts asa diuretic and can cause the body todeplete fluids faster. Techs shoulddrink fluids throughout the workdayeven if they are not thirsty.

• Use fans, cool rags, etc. to lowerbody temperature.

• Avoid eating big meals as they cancause the body to divert blood awayfrom the skin where it cools the body.

• Avoid alcohol, caffeine, and allergymedicines, which can increase the riskof heat stress. Also, certain medicalconditions; i.e., high blood pressureand diabetes, make you more proneto heat stress.

If you have any questions, please feelfree to contact me at 800-852-3372or at [email protected].

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

page 14 June, 2007

Claims Corner

Three strikes and you are out!The shoulder injury that mostof us are familiar with is the

classic rotator cuff tear commonlyexperienced by baseball pitchers.Shoulder injuries are not limited tothose individuals throwing repetitivecurve balls; unfortunately, they areseen frequently in a variety of worksettings, including the automotiveindustry. They vary in severity fromminor acute strains or sprains to themore complex dislocations and tears.

The following is a brief overview ofthe most common shoulder injuriesreported to us and their treatment:

The Acute Injury

A sudden injury, such as abnormaltwisting, positioning, or a fall, canresult in an acute or minor injury tothe shoulder. These could bediagnosed as strains, sprains, orcontusions (aka bruises). The injuredperson may complain of mild tosevere pain with a “popping”sensation. When presenting to amedical provider, a thorough examwill be performed; and x-rays may beobtained to rule out a more seriousinjury. These injuries are treatedconservatively with ice, rest,medication, and sometimes with theuse of a sling. They usually resolvecompletely with time.

Overuse Injuries

Some shoulder injuries occur withouta specific incident but instead occurover time from repetitive everydayactivities that put stress on the joint.Rotator cuff tendonitis causes pain

What Are the Most Frequent Shoulder Injuries?

J. Marta Robbins, RN, BSNNHADA WCT Nurse Case Manager

(Part 2)

and inflammation from the shoulderdown the arm. The injured personmay be quite comfortable while atrest and quite uncomfortable whenlifting his or her arm overhead. Amedical provider may order x-rays oran MRI to make an accuratediagnosis. Treatment for overuseinjuries, in most cases, is conservativewith rest, medication, and physicaltherapy. In more severe cases oftendonitis or bursitis, a steroidinjection or surgery may be necessary.

Dislocation

The shoulder is best described as aball and socket. A dislocation occurswhen the ball comes out of thesocket. This can happen from aninjury, such as a fall, or commonly inathletes, such as swimmers or baseballplayers, whose shoulders have become“loose” over time. A dislocation isusually followed by severe pain,inability to lift the arm, or ageneralized “loose” feeling in theshoulder. Dislocations are diagnosedby history shared by the injuredperson in conjunction with x-rays,physical exam, or an MRI. Somedislocated shoulders will go back intothe socket on their own; and, in moresevere cases, a medical provider willmanually guide it back into thesocket or “pop it back into the joint.”After the joint is stabilized, treatmentis usually conservative with rest,immobilization, physical therapy, andmedication. In the event thatdislocations have become frequentand the ligaments have become looseor even torn, surgery may benecessary to stop recurringdislocations.

Tears

Tears to the rotator cuff or othertissue of the shoulder can be causedfrom trauma, such as a fall or heavylifting. The injured person maycomplain of mild to severe pain thatmay travel down the arm or up intothe neck. Pain and even weakness areworse with continued use of theshoulder. When presenting fortreatment, the injured person willreceive a thorough exam, x-rays, and,usually, an MRI. In most cases,conservative treatment, such asmedication and therapy, will beattempted; but, typically, tears willnot heal on their own and eventuallymust be surgically repaired.

Arthritis

The most common cause of shoulderpain doesn’t come from an injury atall but rather a degenerative processin the cartilage and joints known asarthritis. Arthritis can be from aging,normal wear and tear, an injury, ordisease. Treatment of arthritis canvary from over-the-countermedication to physical therapy andprescription medication.

The shoulder is a complicated jointconsisting of bones held in place bymuscles, tendons, and ligaments.Injuries to the shoulder, when treatedpromptly in conjunction with activitymodification, can fully resolve intime. The best treatment for ashoulder injury is prevention.

Stay tuned for Part 3 of this series onthe shoulder when we discussprevention of shoulder injuries in theworkplace.

June, 2007 page 15

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

Auto Auction of New EnglandConveniently Located at Exit 4, Rt. 938 Action Blvd., Londonderry, NH 03053

10 min. south of Manchester, NHTel: (603) 437-5700 Fax: (603) 437-5800

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• Transportation • Full Recondition • Service Dept. • Guaranteed Checks and Titles

Every Thursday 9:30AM Londonderry, NH

www.

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General ManagerDave Blake

Operations ManagerRob Ross

ControllerLinda Griffin

Office ManagerJoanne Comeau

Safety & Compliance ManagerSal Morando

Transportation ManagerBarry Kelley

Director Fleet/LeaseBill Hoover

Director Dealer RelationsJim How

Dealer RelationsKatie KarlMichele PierogDonna Olsen

Dealer RegistrationKristin Blanchette

Auto Auction ofNew England’sNew SimulcastAuction Service

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We offer specialized productsand services for independent

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We offer knowledgeable sales professionals

to provide personal attention and dedicated

underwriters and claims specialists to service

your account. Because of our experience,

our customers can feel protected.

www.zurichna.comWhat if your insurance

company understood your dealership as well as you do?

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Dateline: NH a publication of the New Hampshire Automobile Dealers Association

page 16 June, 2007

WCT Trustee Dave Allen (L) hands checks to NHADA Past Chairman Jeff Platek of BetleyChevrolet Buick in Derry and current NHADA Treasurer Holly Carlson of Carlson’s Motor Salesin Concord.

NHADA “Town Meetings” HeldNHADA recently held a series of “Town Meetings.” While many topics were discussed, the highlight was thedisbursement of $4.4 million in Workers’ Compensation Trust premium rebate checks to NHADA members.

WCT Trustee Bill Gurney of Gurney’s Automotive Repair in Nashua and WCT Trustee and past WCT ChairmanDave Allen of Dave Lincoln-Mercury in Derry were on hand at the Concord “Town Meeting” to assist in handingout rebate checks.

Paula Hiuser of Lakes Region Volkswagen Audi in Gilford is allsmiles while WCT Trustee Bill Gurney presents her with her WCTpremium rebate check.

June, 2007 page 17

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

“This is one of the easiest to

use and most effective man-

agement tools I’ve ever seen.

In this tough market I need to

keep my management team

focused and on track to make

profits. This gets the job

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General Manager

Sun Automotive Group

Mechanicsburg, PA

Another “Best Practices” tool available now from OCD Consulting, LLC

The Dealership Operations Performance Review

_____________

Dealership Operational Review

New Vehicle Management – Continued

Staffing – Count only those people reporting directly to you

Position Actual Year Ago

Voluntary

Term

Involun

Term

New

Hire

Supervision

Sales Consultants

Business Manager

Internet Manager

Customer Service

Clerical/Title

Lot Attendant

Other

Total

Attendance and Administration – Department Totals

Total number of overtime hours worked to date

Vacation days taken to date and remaining for year Taken Owed

Total sick and personal days taken to date Sick Per

Number of workmen comp claims filed to date

Number of unemployment claims filed to date

Number of employee legal actions filed to date

Annual employee evaluations completed and due Comp Due

Productivity Standards

Measure Actual Goal Year Ago

Avg Monthly Sales/Employee $ $ $

Avg Monthly Gross/Employee $ $ $

Human

Resource

Management

Avg Mon Health Ins/Employee $ $ $

Human Resource Actions Planned and Accomplished

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© OCD Consulting, LLC 2006 Page 6 of 6

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If the answer is yes, make certain youknow the federal and New Hampshirelaws pertaining to youth labor. Agood refresher can be found on ourWeb site in an article entitled “YouthLabor.” Simply go towww.nhada.com and click onDateline: NH in the Site Map, thenPast Issues, then 2005, and thenJune.

Please note that the minimumwage stated under the “Wages”heading of the June 2005 articlewill change as of September 1,2007. (Please see Mark Broth’s articleon page 4 of this Dateline.)

Youth Labor Laws

Do you planto hire youths

during thesummer months?

Safety/OBD II Inspections StatisticsSafety

InspectionResults Apr 07

% ofTotal YTD 07

% ofTotal

Total *PassedCorrectedRejectedUntested

112,81690,81816,602

4,569827

100.00%80.50%14.70%

4.00%0.70%

444,395355,013

67,53318,569

3,280

100.00%79.90%15.20%

4.20%0.70%

OBD IIInspection

Results(1996 and newer)

TotalPassedRejectedUntested

91,79381,851

7,5082,434

100.00%89.20%

8.20%2.70%

365,805325,192

30,7959,818

100.00%88.90%

8.40%2.70%

Statistics provided by Gordon-Darby

* Total numbers include OBD II Inspections

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

page 18 June, 2007

Safeguards: In a recent headsup from NADA in theirregulatory review, we have been

advised of an issue regarding thefederal Safeguarding rule that we feltimportant to share with you. I hopethat you find it valuable and worthyof inspection as to the practices atyour facility.

The federal Safeguards rule,administered by the Federal TradeCommission (FTC), covers, amongmany other things, the dealership’sresponsibility to “protect informationthat is maintained physically in thedealership, but also customerinformation that dealers access,collect, transmit, dispose of orotherwise handle…”

The issue alerted to us by NADA dealsdirectly with the transmission ofelectronic data. It, too, must beproperly protected or safeguarded.This means that if personal customerinformation (ex: a credit report) isshared by a dealership electronically,it must be encrypted or properlyprotected. In addition, if a customer’spersonal information will be viewed

electronically, the facility must ensurethat the information may only beviewed by those authorized to haveaccess to this information.

NADA has published A Dealer Guideto Safeguarding CustomersInformation that can assist withcompliance and has some very helpfulinformation. It can be obtainedthrough NADA at www.nada.org or at703-821-7040. The FTC has alsorecently published a document toassist with this and other similarissues titled, Financial Institutionsand Customer Information:Complying with the Safeguards Rule,that can be found at www.ftc.gov/bcp/conline/pubs/buspubs/safeguards.pdf.

NHADA stands ready to assist youwith any compliance questions suchas this that you may have. Please feelfree to contact us with them.

Compliance Audits: Now that theLegislative Session is winding down,Brendan Perry and I will be out onthe road and available to assist andconduct compliance evaluations ofyour facility.

Issues like the above-mentionedSafeguarding rule are typical of thetypes of things we can assist you withat your facility.

Our audits will focus on some of themost pressing compliance issues thatimpact you and your operations. Ourevaluations are an easy process thatwill inform you about the compliancestatus at your facility.

We evaluate, and assist you incomplying with, various state andfederal regulations. Our reviews willhelp you lower your liability forexposure to a dangerous situation andbe ready in the event that youroperations are reviewed by aregulatory agency.

The number of regulations andvarious agencies that have a reachinto your operations can be adaunting task to manage.

NHADA compliance audits serve tohelp make it as easy as possible foryou to get a handle on, and complywith, the variety of rules andregulations that apply to youroperations that are administered by anumber of various regulatoryagencies.

As I always say, “I am positive thatyou would much rather have usinspect your facility than someonefrom the FTC or the Banking,Insurance, or Safety/Motor VehicleDepartments!”

If you have questions on our audits,would like to participate in one, orhave a question concerningcompliance at your facility, pleasecontact me at [email protected] at 800-852-3372.

Compliance: Safeguarding and NHADA AuditsDan Bennett, NHADA Environmental Specialist

Meet Your Association Partners

Manheim’s American Auto AuctionSilver

“Auto auction, financing, transportation,reconditioning, and on-line services”

For more information, please callTim Hoegler at 508-823-6600 or

at www.americanaa.com. (see ad on page 16)

June, 2007 page 19

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

ITS POWER IS MEANT ONLY FOR RESPONSIBLE HANDS.THE ALL-NEW 2007 DODGE NITRO• 210-HP 3.7L V6 THAT GETS AN EPA EST. 24 HWY MPG • ELECTRONIC STABILITY PROGRAM • AVAILABLE FOUR-WHEEL DRIVE • FRONT AND SIDE AIR BAGS* • ELECTRONIC ROLL MITIGATION SYSTEM • MYGIG™ MULTIMEDIA INFOTAINMENT SYSTEM • MSRP STARTING AT $19,885. AS SHOWN, $29,880*Always sit properly in the seat with the seat belt fastened. RT model shown. Late availability.

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

page 20 June, 2007

Endorsed byNHADA

In MemoriamGerard (Monty) Montembeault

NHADA is saddened by the passingof Gerard (Monty) Montembeault,

owner of Dobles Chevrolet Buick andDobles Hummer in Manchester.

Monty had a distinguished career as adealer and was recognized for this

when he was selected as the 2003TIME Magazine Quality Dealer Award

nominee from New Hampshire.

In addition to exceptional dealershipperformance, Monty gave much to thecommunity. He was particularly activein Veterans’ organizations and causes

with both financial and volunteersupport (he was honorably discharged

from the U.S. Navy at the endof World War II).

Monty was a loyal member of NHADAand would always step up to the platewhen NHADA needed him, especially,

on the political front.

Our thoughts and prayersgo out to his family.

June, 2007 page 21

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

������������������

���� �� ���� ����������� �� ���� ���������

��������������������������������������������������

• We Average 1100+ New Car Trades Weekly

• We Average 700 Buyers Weekly

• We Average 75% Sales Ratio

• We Average 90% Dealer Consigned Cars

• We Have 6 Lanes of Action

• We Offer 12+ Floor Planning Companies

• We Are Open 7 Days & Nights With 24 Hour Security

• We Service Every Major Market & 6 New England States

• We Have A Full Reconditioning Department & Competitive Rates

• We Have a Post Sale Inspection Department

• We Have Car Carriers To Pick Up Cars Anywhere

• We Have Only Professional Auctioneers

• We Have Accommodations For Many Dealers

• We Have A Great Web Site For Information

Jim Lamb

Visit Us On Web @

WWW.LYNNWAYAUTOAUCTION.COM

Where You Get Inventory Lists Updated Constantly

And The Ability To Buy And Sell From Your Home Or Office

732R Lynnway Lynn, MA 01905 * Phone: 781-596-8500 * 1-888-Lynnway * Fax: 781-581-5033

We Are Only 7 Miles From Logan Airport

George Russo Bob Brest

We Have A

Great Auction

Every Wednesday

Up To 1,200 cars

@ 9:00 AM

We Have A

Big Thursday Night

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@ 7:00 PM

Meet Your Association Partners

Tire WarehouseBronze

“Tires, wheels, auto parts, accessories”

For more information, please call 603-352-4478 andask to speak to Andrew Poteate, ext. 1715, Andy Titus,ext. 1720, or Bob Farrington, ext. 1716. You can alsocontact them at www.tirewarehouse.net.

(L-R) Andy Titus, Bob Farrington, andAndrew Poteate

2007 Unemployment Ratesby Area

United StatesNew England

ConnecticutMaineMassachusettsNew HampshireRhode IslandVermont

Jan Feb5.0%5.4%5.0%5.2%6.0%4.2%5.5%4.7%

Mar4.5%4.6%4.3%5.0%4.8%4.2%4.6%4.4%

4.9%5.2%4.7%5.4%5.8%4.2%5.1%4.6%

Good News is

BETTER!

BIGGER

AND

BETTER!

The NHADA-

endorsed program

with Mercury Zone

is now

Mercury Zone has

merged with

W.B. MASON.

The new name will

be W.B. MASON

The office product

program remains

unchanged.

You will continue

your ordering in

the same way.

More details soon!

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

page 22 June, 2007

From Your NADADirector

Jack Tulley

Lott, NADA Beat Drum for Billon Katrina Cars

David Regan, NADA’s Vice Presidentfor Legislative Affairs, said his groupsupported a bill sponsored bySen. Trent Lott (R-Miss.) that wouldrequire auto insurers to providevehicle information to a searchabledatabase when they declare a car ortruck a total loss. Lott said he wantsinterest groups and fellow lawmakersto press for the insurance industrychanges before memories of HurricaneKatrina fade. The goal is to protectconsumers and dealers fromunknowingly acquiring flood-damaged or wrecked vehicles thathave been repaired and given newtitles. Regan said NADA supports thebill because “We think there areinstances every year in which vehiclesdeclared a total loss are not retitled assalvage or flooded, and dealers wantto know what they’re buying atauctions. There is concern becausethere are reports that Katrina vehiclesare circulating at the wholesale level,where reconditioned cars areauctioned to dealers.”

In NADA News...

NADA’s Flagship Web Site Enhanced With New Tools/Features

NADA has unveiled a series of new features on its recently redesigned Web site,www.nada.org. The Home Page of the NADA Web site now offers even morenews and information designed for the business-savvy dealership. Visitors tothe site now receive a comprehensive industry snapshot.

Pennsylvania Dealer Wins Dealer Innovation Award

USA Today and NADA in April presented the Dealer Innovation Award to KimMaxwell, General Manager of Hill International Trucks LLC, Washington,Pennsylvania. The USA Today Dealer Innovation Award is given out each yearto a new-car or -truck dealer who has implemented effective initiatives thatresult in measurable improvements for their business and employees as well asfor the community. The theme for this year’s award was energy conservation.Maxwell was chosen for building a state-of-the-art dealership that is threetimes larger than his previous store, yet costs 77 percent less per square foot inenergy to operate. He achieved these energy savings by implementing dualwaste-oil furnaces used in an ambient floor heating system; a wash waterrecycling system; light-colored roofing material to reflect solar heat; air-lockeddoor systems; dual-pane tinted glass; and fluorescent and metal halide lightingschemes.

Energy Star Program Helps Dealers Turn Green

Dealers can move toward green solutions with help from a partnership betweenNADA and the Environmental Protection Agency’s Energy Star program. Theprogram offers a variety of cost-effective retrofit and new constructionstrategies involving energy-efficient lighting, climate controls, equipment, andbuilding design. Many of those strategies reap considerable cost savings. NADA’s A Dealer Guide to Energy Star: Putting Energy Into Profits can beordered for $30 by members or $50 by non-members by calling800-252-NADA, ext. 2.

It Is a Great Time to Team Up With NCAA Athletes

Thousands of NCAA athletes will graduate from college over the next fewweeks and will join the more than 500,000 former collegiate and pro athletesaround the country who are looking for rewarding and challenging careers,such as those offered in dealerships. To help dealers recruit and retain a highcaliber of talent, NADA has partnered with the Collegiate Recruitment Team(CRT), which helps former NCAA student athletes find jobs. For a one-timefee of $25, dealers can advertise an unlimited number of open positions on theCRT Web site. In addition, CRT and its Foundation will give any NCAA alum$2,000 toward the purchase of a new or used vehicle at a registered dealership.To register: Go to www.crtjobs.org, click on “Employers” in the upper-rightcorner, choose “Click here to register,” complete the required information andchoose “Submit,” choose “Pricing Plans,” then “NADA Plans,” and completeand submit payment information.

In Legislative News...

I look forward to your comments orconcerns. Please feel free to contact me

at 888-0550 or at [email protected].

June, 2007 page 23

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

A Name You Can Trust

Why gamble with your future? percent of dealerships we represent

are sold within nine months

DEALERSHIP SALES MERGERS & ACQUISITIONS EVALUATIONS

www.nancyphillips.com 603.658.0004 [email protected]

Dateline: NH a publication of the New Hampshire Automobile Dealers Association

page 24 June, 2007

9,72319,48329,206

12,70216,504

714216

39193956

1,81475

Titles Issued for New and Demo Vehicles:Titles Issued for Used Vehicles:

TOTAL TITLES ISSUED:

Titles Issued with a Lien:Titles Issued with no Lien:

Salvage Titles Issued:Salvage Tags Issued:

Titles Issued for Heavy Trucks More than 15 Years Old:Titles Issued for Heavy Trucks 15 Years Old or Less:

Titles Issued for Trailers:Titles Issued for Motorcycles:

Titles Issued for Motor Homes:

April

New Hampshire Department of Safety, Division of Motor Vehicles

Title Statistics Report Month Ending: 04/30/07

49,905114,201164,106

66,68597,421

3,8371,133

2351,0934,1995,687

423

06 YTD

35,12475,427

110,551

48,20462,347

3,029798

135636

2,6463,675

241

07 YTD

2007 A2007 A2007 A2007 A2007 ASSOCIASSOCIASSOCIASSOCIASSOCIATIONTIONTIONTIONTION P P P P PARARARARARTNERSTNERSTNERSTNERSTNERSPLPLPLPLPLAAAAATINUMTINUMTINUMTINUMTINUM

SILSILSILSILSILVERVERVERVERVER

NEW ENGLAND DODGE DAAWMUR-TV NEW HAMPSHIRE

ZURICH

ADESA BostonAmerican Fidelity Assurance Company

Anthem Blue Cross and Blue ShieldAutoTrader.comDevine Millimet

Enterprise Rent-A-CarGlobal Payments

Manheim’s American Auto AuctionNew England Chrysler-Jeep DAA

Northeast Delta DentalO’Connor & Drew, P.C. & OCD Consulting

Southern Auto AuctionSt. Mary’s Bank

Windward Petroleum/Exxon Mobil

BRONZEBRONZEBRONZEBRONZEBRONZE

To become a Partner in 2007,call Louanne – 800-852-3372.

(as of 05-23-07)GOLDGOLDGOLDGOLDGOLD

CITIZENS BANK

NEW HAMPSHIRE UNION LEADER

WIGGIN & NOURIE, P.A.

Hunter Engineering Co./Lappens Auto Supply

Jewett Construction Co., Inc.JobsInNH.com

Morgan Stanley (Alan Scalingi)Nancy Phillips Associates, Inc.

Northeast Auto Auction, Inc.Protective

Rath, Young and Pignatelli, P.C.Resources Management Group, Inc.

Robbins Auto Parts, Inc.Sanel Auto Parts Co.

Seacoast Media GroupSovereign Bank

TD Banknorth, N.A.Tire Warehouse

Tyler, Simms & St. Sauveur, CPAs, P.C.

BRONZEBRONZEBRONZEBRONZEBRONZEADP Dealer Services

Aftermarket Specialists/Royal Admin.AHC Corp.

Albin, Randall & BennettAlltex Uniform Rental Service

Anthem SpecialtyArmored Tire USA

Auto Auction of New EnglandBedford Capital Consulting

Bellwether Community Credit UnionBG Products/Warehouse Dist. of N.E.Compliance Network of New EnglandCompPartners: BOAC, SOAC, MVOH

CUDLF & I Resources

G W Marketing ServicesGMAC and GM

HRH Northern New England