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MISSISSIPPIQ1 2021DEALERDEALERSHIPESSENTIALSfor Engaging Customersin a Digital EnvironmentSURVEY:The Pandemic Acceleratedthe Adoption ofDigital RetailingMask-less Socializing:What This MeansFor Your DealershipPLUS:Download the MSIADA Appand save thousand !MIADA MISSISSIPPI DEALER Q1 2021 1
MISSISSIPPI DEALERThe official digital magazine of theMISSISSIPPI INDEPENDENTAUTO DEALERS ASSOCIATIONMSIADA.ORGMessage from the Executive DirectorBy Tony Lawler, Executive DirectorHello all,1705 Old Whitfield Road, Suite APearl, MS 39208T (601) 939 - 9866 F (601) 939 - 9882CHAIRMAN OF THE BOARDBryan Morris - Long Beach Auto Auction, Inc.Long Beach, MSPRESIDENTDP Danna - Selecta Motors, LLCIndianola, MSVICE PRESIDENT (NORTHERN REGION)Bentley Nolan - Nolan Brothers Motor SalesTupelo, MSVICE PRESIDENT (CENTRAL REGION)Thomas Conner - Heritage RV CenterMadison, MSVICE PRESIDENTSteven Watkins - Watkins AutoJackson MSSECRETARYBrian Johnson - Automart of FlowoodFlowood, MSTREASURERRussell Wilmoth - American Automotive, Inc.Yazoo City, MSEXECUTIVE DIRECTOR EDITORTony LawlerOFFICE MANAGER &MEMBERSHIP COORDINATORErin HoldenMAGAZINE COORDINATOR & AD MGMT.Professional Mojoinfo@professionalmojo.comMississippi Dealer magazine ispublished quarterly by the MIADA,representing quality independentautomobile dealers throughoutMississippi. MIADA assists membersin becoming more successful withinthe used motor vehicle industry byconsistently bringing you industryeducation, valuable information,services and benefits designedto prepare members for an everchanging marketplace.For more information about the MIADAtopics addressed in this issue or foradditional copies please contact MIADA,(601) 939 - 9866.Copyright 20212 MIADA MISSISSIPPI DEALER Q1 2021I hope this message finds you healthy, doing well and thatyour lives (both personal and professional) are getting backto some form of the old “normalcy” that most of us are craving in some fashion. The last 12 months have been some ofthe strangest I’ve seen in my entire lifetime. With all of theconversations about “mask mandates,” exposure and quarantining, etc., I’m glad that the conversations are returning toissues such as finding affordable and reasonable priced inventory and maintaining an adequate, professional staff that canmeet both your demands and the demands of your customers.The above-mentioned topics or issues are a relief compared to the mask/no mask and vaccine/no-vaccine issues that we have been facing. While serious in nature, most of us feel comfortable dealing with staffing and inventory. I think this also where a strong state dealers association can really help fill a void for those automobile dealers that are new to the business ornew owners in the car business. They may have been salespeople or F&I people at a differentdealership but are now in the decision-making position.I can’t tell you how many requests for assistance we have received in the office from variousdealers concerning these issues lately. I want to take this time to ask each and every member ofthe Mississippi Independent Auto Dealers Association to take an active role in helping the staffto strengthen our association by becoming more active in the association.How can you do this? First, talk to some to these newer independent dealers concerning the benefits of becoming a member and getting involved in the trade association that affects your livelihood. There is strength in numbers especially when contacting legislators on issues that affectthe used car industry. Also, by being a member of the association, we contact various agencieson your behalf in resolving issues that may arise and will also host an annual conference wherewe can meet for further education and training while enjoying some fellowship with our peers.We hope to contact each and every dealer in the next year or, so but in the meanwhile, we areasking your help to strengthen your association by taking a more active role.We hope the upcoming year is a banner year for all. If we may be of assistance in any way,please contact me at 601-989-9866 or at tony@msiada.org.Thank you again for letting me serve as your executive director,TonyAUTO DEALERS INSURANCESERVING MIADA SINCE 1989 DEPENDABLE SERVICE COMPETITIVE RATESTruth & Lending E&O Coverage & Title E&O CoverageFalse Pretense Worker’s Compensation Garage LiabilityOdometer Coverage Commercial Property Repair ShopsDealers Open Lot Dealer & Title Bonds Life & HealthCALL OUR OFFICE TO SAVE MONEY!LEE DIXON, CICLICENSED AGENTRELIABILITYWEST INSURANCE CENTER, INC.800-898-1030 WestInsuranceCenter.com
Dealership Essentials for EngagingCustomers in a Digital EnvironmentBy Steve Roessler, Chief Evangelist Officer, DriveCentricDigital experiences are no longer just apart of our business; How your dealershipengages customers in digital environmentsis equally, if not more important, thanshowroom experiences in 2021.If you can’t rely on your CRM to aggregateyour customer data, activities, andconversations in one place so that yourteam can engage in real-time, then it’s timefor a change.The future path to increased profits startswith a solid foundation of technology.But it’s the buying experience you providethat makes all the difference with today’sshoppers.To turn a conversation into an engagingexperience, here is an easy checklistthat you can use:So, how do we deliver the engagingexperiences consumers want?Embrace the Power of Hyper-PersonalizedConversationsAuto shoppers have more choices than everbefore. According to McKinsey, 70% of thecustomer buying experience is determinedby how they feel they have been treated.Hyper-personalized conversations arecritical to remaining competitive intoday’s shopping environment. Engagingcustomers along their car buying journeyrequires tracking and understandingshopper behavior.The average dealership collects thousands ofcustomer data points, but 60% still struggle toexecute an effective personalization strategy.One of the reasons for this is because,without the right dealership CRM, it’s oftenchallenging to find the hottest leads. Andthis makes it tough to reply with customizedmessages that fit your buyer’s preferences. Highly-personalized to the customerjourney – Use your customer datato gather key insights that help youengage shoppers with tailor-madeconversations and messages that answertheir questions. Communicate like a trusted friend– If you want to build relationships,empower your sales team tocommunicate with engaging textmessages and personalized videos thatresult in meaningful conversations.Using a customer’s preferred method ofcommunication is key. Lean into AI for real-time interactions– Buyers want information deliveredaccording to their schedule. Don’t befooled by buzzwords. Lean on artificialintelligence tools with conversationalresponse capabilities. This way, if aconsumer interacts with the dealershiponline when the sales team is currentlyserving other customers, you can stillquickly and effectively respond via AItools. Mobile is mandatory – Mobile toolsthat make it easy to engage fromanywhere are essential to giving yoursales team the competitive edge. If youvalue quick responses and the ability towork deals from anywhere, then mobileCRM cannot be an afterthought. Strengthen your social reputation – Asword-of-mouth referrals move to digitalspaces, don’t let social conversations andonline reviews overshadow your brand.Look for technology that fully-integratessocial media to expand your reach andmeet customers where they spend themost time online. Seamless experiences win – Providingfirst-class, omnichannel retail is just ascritical as brick-and-mortar experience.If you’re not offering shoppers a seamlessexperience from online to onsite visits –your competitors will.Shift to an Engagement MindsetTo enhance customer communication,employees must shift to a task-drivenmindset of consistently engaging customerswith informative, genuine responses tobuild relationships. Doing so will result inbetter customer experiences and increasesin gross profits. nSteve Roessler serves as Chief EvangelistOfficer of DriveCentric, a leading providerof dealership software solutions. With over25 years of expertise servicing customers,Steve’s passion is helping dealers embrace newtechnology and long-term strategies that drivesales and market share growth while providingan exceptional customer experience. Steve isrecognized as one of the most prominent voicesin automotive advocating for dealerships,customers and the community.MIADA MISSISSIPPI DEALER Q1 2021 3
Survey: The Pandemic Accelerated theAdoption of Digital RetailingBy FI StaffA new eLEND Solutions report shows widespread acceleration of Digital Retail adoption (80%)due to the pandemic, continued implementation (90%), a shift in perception fromlead generation (47%) to deal generation (53%) and promising data on PVR.A new report from digital financinginnovator eLEND Solutions reveals howthe COVID-19 pandemic has impelleddealers to embrace digital retailing as a lowtouch transaction alternative – and howthis adoption of technology has changedtraditional dealer process and perception.What this study reveals, however, is thatwhile dealers were forced into change by thepandemic, they quickly saw the value andhave embraced it as a blessing in disguise.Based on a survey fielded by eLENDSolutions among auto dealers in the fourthquarter of 2020, “The Pandemic Drove aGreat Leap Forward in Digital RetailingAdoption” explores the shift in dealeracceptance and application of digitalretailing, while also investigating whetherthis forced innovation has been a blessing– or curse – for dealers.“Confronting change can be a painfulchallengefordealers,whichisunderstandable given the risk inherent toimplementing a new process, retrainingstaff, and the application of technologywhich can cause significant upheaval andanxiety in a store so I can see it could beviewed as a ‘curse,’ ” said Pete MacInnis,CEO of eLEND Solutions. “What this studyreveals, however, is that while dealers wereforced into change by the pandemic, theyquickly saw the value and have embracedit as a blessing in disguise.” According tothe report, among those digital retailingblessings is a trend towards higher profitper-vehicle retailed (PVR) and reducedtransaction times.Digital Retailing and the Shift from LeadGeneration to Deal Generation:4 MIADA MISSISSIPPI DEALER Q1 2021Perhaps one of the most important findingsin the report is how dealer perceptions haveshifted as a result of the change to digitalretailing. According to the survey, 53% nowsee digital retailing as a deal generator –‘the start of the deal’ – while 47% continueto view digital retailing as little more thanenhanced lead generation.“Old habits die hard in the auto industry,so this shift in perception is prettyextraordinary,” said MacInnis. “It’sinspiring to see dealers evolve to, andembrace, technology that will expand thepower and value of their business model.“Getting to over 50% of auto dealershipsviewing digital retailing as ‘deal’ versus‘lead’ generation is huge.”Dealer acceptance of digital retail as a “deal”maker is supported by their opinions aboutthe actual steps in the experience: Only14% of dealers see digital retailing endingat the first pencil, and almost 30% see its‘relative finish’ as getting to a qualifieddeal structure – including trade and downpayment. Twenty percent see the digitalretail process going as far as contractingand remote delivery.Digital Retailing Impact on Profit PerVehicle:Over 30% of dealers (31%) surveyed saidthat their digital retail-initiated transactionsresulted in a higher profit-per-vehicleretailed (PVR). In total, 87% said that thePVR (front and back) of digital retailinitiated transactions has been the same orhigher compared to pre-COVID averages.“The positive impact that digital retailinghas on PVR is a clear myth-buster,” saideLEND’s MacInnis. “Dealers should viewthis as a signal that it’s time to rethink thecommon belief that digital retailing has anadverse impact on PVR, and realize that –pandemic or not – consumers now thinkdigital retailing is a normal and necessarypart of their vehicle transaction.”As a result of the accelerated digitalretail adoption, 90% of dealers surveyedsaid that their websites are now moretransactional – meaning that shoppers canget closer to a transactable deal online.The report indicates that a silver lining ofCOVID-19 has been the industry’s rapidadoption of digital buying experiences tomeet consumers demands for a low-touchtransaction. “The survey findings tell us thatthe pandemic was key to digital adoption,”continued MacInnis. “It’s entirely likelythat the same level of adoption, withouta pandemic, could have taken up to fiveyears.”Challenges Remain with In-Store Process,CSI Results:Just 23% of dealers surveyed said thatCSI scores had improved – with 66%seeing no change at the time of the survey.One possible explanation is that digitalretailing technology, and the requiredprocess changes, had not yet been widelyimplemented. Indeed, although mostdealers ranked the transition to a digitalfirst sales process as ‘not extremely difficult,’56% said that the hardest aspect was processchange. If so, the customer experience couldwell be hampered by online to in-storeredundancies. “Customers don’t want to dowhat they did online at the dealership,” saidMacInnis. “They have expectations thatContinued on next page
AUCTION DIRECTORYContinued from previous pagestarting the deal online means that they’llsave time at the dealership.”Survey findings show that dealers arelargely meeting those expectations – at leastin terms of time saved. Sixty-four percentof dealerships reported reduced transactiontimes compared to the pre-COVID average,with 38% claiming that at least 30 minuteshad been reduced.Key Highlights from the eLEND SolutionsDigital Retailing Survey: 80% of auto dealers said the pandemichas accelerated their adoption of digitalpath-to-purchase experiences. 90% say they expect to continue, oraccelerate, digital retailing at theirdealership 53% see digital retailing as dealgeneration – ‘the start of the deal’ 20% define digital retailing’s ‘relativefinish’ as contracting and remotedelivery 90% of say their websites are moretransactional today than they were prepandemic. 87% report that digital retail-initiatedtransactions have resulted in unchanged,or higher, PVR (profit-per-vehicleretailed) 64% said they reduced total transactiontimes compared to the pre-COVIDaverage 38% reported a reduction of at least 30minutes off the transaction time 56% of dealers said that ‘processchange’ was the most difficult aspectof transitioning to a digital-first salesprocess 23% said CSI scores improved withdigital retail adoptionTo download the full survey report“The Pandemic Drove a Great LeapForward in Digital Retailing er-survey-report. To download theinfographic, visit in-digitalretailing. nTuesdayDealers Auto Auction (Memphis)2560 Rental RoadMemphis, TN 38118901-480-42509:00am Dealer Saledealersauto.comDealers Auto Auction (Huntsville)26125 US Hwy. 72, Athens, AL 35613256-232-02019:00am Dealer Saledealersauto.comDixie Auto Auction15673 Highway 8 WestGrenada, MS 38901662-226-56376:30pm Dealer Saledixieautoauction.comAdesa Memphis5400 Getwell Rd., Memphis, TN 38118901-365-63009:00am Dealer Saleadesa.comDealers Auto Auction (Jackson)1657 Old Whitfield Rd., Pearl, MS 39208601-956-27009:30am Dealer Saledealersauto.comLouisiana’s 1st Choice Auto Auction18310 Woodscale Rd.Hammond, LA 70401985-345-33028:30am Dealer Salelafcaa.comWednesdayLong Beach Auto Auction8494 County Farm RoadLong Beach, MS 39560228-452-20301:30pm Dealer Salelbaa.comTupelo Auto Auction717 Westmoreland Dr.,Tupelo, MS 38801662-841-06225:00pm Dealer Saletupeloautoauction.comManheim New Orleans61077 St Tammany, Slidell, LA 70460985-643-20619:00am Dealer Salemanheim.comThursdayABC Baton Rouge3960 Blount Rd., Baton Rouge, LA 70807225-778-37379:00am Dealer Saleauctionbroadcasting.comAdesa Little Rock8700 Highway 70, North Little Rock, AR 72117501-945-24449:00am Dealer Saleadesa.comInsurance Auto Auction100 Beasley Road, Jackson, MS 39206601-956-27879:00am Dealer Saleiaai.comDealers Auto Auction (Mobile)3030 McVay DriveNorth Mobile, AL 366606251-338-76539:30am Dealer Saledealersauto.comManheim Mississippi7510 US Highway 49Hattiesburg, MS 39402601-269-75509:00am Dealer Salemanheim.comShoals-North Alabama Auto Auction651 Fairground RoadMuscle Shoals, AL 35661256-381-27455:45pm Dealer Salesnaaa.comFridayOak View Auto Auction13451 Florida Blvd.Baton Rouge, LA 70815225-272-513910:00am Dealer Saleoakviewautoauction.comJackson Madison County Auto Auction38 Graves Loop RdMedina, TN 38355877-554-45009:30am Dealer Salejacksontennesseeautoauction.comMIADA MISSISSIPPI DEALER Q1 2021 5
THE CARLAWYER The CARLAWYER By Eric Johnson, Partner, Hudson Cook, LLP, Editor in Chief of CounselorLibrary.com’s Spot Delivery Here’s our monthly article on selectedlegal developments we think mightinterest the auto sales, finance, and leasingworld. This month, the action involvesa whole host of federal regulators: theGovernment Accountability Office,Office of the Comptroller of the Currency,Federal Reserve Board, Federal DepositInsurance Corporation, National CreditUnion Administration, Federal TradeCommission and Consumer FinancialProtection Bureau.As usual, our article features the “Case ofthe Month” and our “Compliance Tip.”Note that this column does not offer legaladvice. Always check with your lawyer tolearn how what we report might apply toyou or if you have questions.FEDERAL DEVELOPMENTSGAO Reports on Effect of MandatoryArbitration Clauses on Servicemembers.On February 26, the GAO releaseda report on the effect of mandatoryarbitration clauses in employment andconsumer contracts on servicemembers’ability to file claims and obtain relieffor violations of the Uniformed ServicesEmployment and Reemployment RightsAct of 1994 and the ServicemembersCivil Relief Act. The report also examinesthe extent to which data are available todetermine the prevalence of mandatoryarbitration clauses and their effecton servicemember claims. The GAOreviewed federal laws, court cases, andregulations, as well as agency documents,academic and industry research, andarticles on the claims process. TheGAO interviewed officials from federalagencies, academic researchers, anda range of stakeholders representingservicemembers, businesses, attorneys,and arbitration firms. The GAO alsoidentified and evaluated potential sourcesof data on servicemembers’ employmentand consumer claims collected by federal6 MIADA MISSISSIPPI DEALER Q1 2021agencies and the firms that administerarbitrations or maintained in courtrecords.State and Federal Regulators IssueInteragency Statement on Relief toTexas Financial Institutions and TheirCustomers. On February 22, the Officeof the Comptroller of the Currency,Federal Reserve Board, Federal DepositInsuranceCorporation,NationalCredit Union Administration, andstate regulators issued an interagencystatement on the steps they will take toprovide regulatory assistance and relief tofinancial institutions and their customersthat have been impacted by the severewinter storms in Texas. The interagencystatement addresses issues concerninglending, operation of temporary facilities,compliance with publishing and reportingrequirements, Community ReinvestmentAct consideration, and investments.FTC Reports on 2020 ECOA Efforts. OnFebruary 3, the FTC provided its annualletter to the CFPB summarizing itsenforcement actions, research and policyinitiatives, and education efforts in 2020related to the Equal Credit OpportunityAct.CFPB Acting Director Sets Forth HisPriorities. On January 28, February 4,and February 10, the Acting Directorof the CFPB, Dave Uejio, released aseries of blog posts setting forth thenew priorities for the CFPB under hisleadership, particularly with regard to theDivision of Supervision, Enforcement &Fair Lending, the Division of Research,Markets, and Regulation, and the Divisionof Consumer Education and ExternalAffairs. His two priorities include: relieffor consumers facing hardship due toCOVID-19 and racial equity.Noting concern about the findingsdescribed in the special editionof Supervisory Highlights on COVID-19prioritized assessments, Uejio statedthat an immediate supervision andenforcement focus will be on “companiesresponsible for COVID relief ” and that,“[m]oving forward, the CFPB will takeaggressive action to ensure that regulatedcompanies follow the law and meet theirobligations to assist consumers duringthe COVID-19 pandemic,” includingimposing penalties if necessary.Uejio stated that, during the next fewweeks, the Bureau “will also be reversingpolicies of the last administration thatweakened enforcement and supervision”and is “planning to rescind publicstatements conveying a relaxed approachto enforcement of the laws in our care.”Uejio added that it is now the officialpolicy of the Bureau to supervise lenderswith regard to the Military LendingAct. With respect to the Bureau’s focuson racial equity, Uejio stated that hewill ramp up investigations and examsaddressing racial equity, noting that“fair lending enforcement is a toppriority,” and, “beyond fair lending,[the Bureau will] identify and root outunlawful conduct that disproportionatelyimpacts communities of color and othervulnerable populations.”On February 4, Uejio released a statementhe sent to staff in the Bureau’s Divisionof Research, Markets, and Regulations(“RMR”) reiterating the policy prioritiesfor the Bureau under his leadership andemphasizing a focus on the consumerexperience. Uejio stated that he will relyon “RMR’s rigorous, routine internalreporting on key market metrics likeforeclosures, charge offs, auto loans,checking account closures, and more.These metrics will help [the Bureau]gauge the health of consumer financemarkets and guide [its] focus. [Uejio] willlook to RMR for a robust research agendathat examines the impact of specific
industry practices on consumers’ dailybudget and overall bottom line in orderto target effective policy interventions.”Uejio also expects RMR to publish regularresearch reports addressing COVID-19and racial equity and will assess priorregulatory actions to determine whetherthose actions are in line with the currentmission of the Bureau. In the near future,Uejio has asked RMR to take steps to: (1)prepare an analysis on housing insecurity,including mortgage foreclosures, mobilehome repossessions, and landlord-tenantevictions; (2) prepare an analysis of themost pressing consumer finance barriersto racial equity to inform research andrulemaking priorities; (3) explicitlyinclude in policy proposals the racialequity impact of the policy intervention;and (4) resume data collections paused atthe beginning of the pandemic, includingdata collection under the HomeMortgage Disclosure Act and the CreditCard Accountability Responsibility andDisclosure Act, as well as the previouslycompleted small business lending datacollection and the ongoing PACE datacollection. Uejio has also asked RMRto: (1) focus the mortgage servicingrulemaking on pandemic responseto avert a foreclosure crisis when theCOVID-19 forbearances end; and (2) toexplore options for preserving the statusquo with respect to the qualified mortgageand debt collection rules. Finally, Uejioexpressed his intention to protect smallbusinesses’ access to credit.On February 10, Uejio released astatement he sent to staff in the Bureau’sDivision of Consumer Educationand External Affairs (“CEEA”) againreiterating the policy priorities for theBureau. Uejio expects CEEA to double itsefforts to ensure that the Bureau engageswith consumers who are sufferingeconomically. He also emphasized theimportance of consumer complaints andthe obligation of financial institutionsto provide substantive responses tosuch complaints. In an effort to addressfindings by consumer advocates thatdisparities exist in some companies’responses to complaints made bymembers of minority communities, Uejioasked CEEA to prepare a report on suchissues. Uejio also asked CEEA to rampup its efforts to provide information onhousing protections to homeownersand renters financially impacted by theCOVID-19 pandemic. In addition, Uejiodirected CEEA to expand the Bureau’ssocial media presence and update theBureau’s website so it is “more userfriendly, focused on consumers’ rights,and signals that in no uncertain terms,[the Bureau is] on their side.” Finally,Uejio directed CEEA to “[a]ggressivelyrebuild and repair [the Bureau’s]relationships with consumer, civil rights,racial justice, and tribal and indigenousrights groups.”CASE OF THE MONTHDealership’s Ads Violated TILAand the CLA by Failing to IncludeLegally Required Credit Information:The Federal Trade Commission suedseveral car dealerships and their coowners for violating the Federal TradeCommission Act, the Truth in LendingAct, the Consumer Leasing Act, andcorresponding regulations. Since then, thedealerships settled their claims with theFTC and filed for bankruptcy protection.The FTC moved for summary judgmenton its claims against the co-owners, andthe U.S. District Court for the District ofArizona granted the motion in part anddenied it in part. Counts I and II allegedthat the defendants violated the FTCAct by telling customers that they wouldsubmit accurate financial information tofinance companies but instead inflatedincome and down payment information.The court denied summary judgmenton these counts. The court found thatthere was insufficient evidence to showthat the defendants’ practice was likelyto mislead customers, given evidencethat some customers were aware thattheir information was inaccuratelyreported to finance companies and, insome cases, complicit. Counts III and IValleged that the defendants’ advertisingmisrepresented or failed to disclosematerial information, in violation of theFTC Act.In particular, the FTC alleged that oneadvertisement with a 169 monthlypayment was false, another group ofadvertisements promoting a “Tires forLife” program did not disclose materiallimitations and exclusions, and a thirdadvertisement offering a 5,250 discounthid material information behind afine-print disclaimer in a nondescripthyperlink. The court found that it couldnot, as a matter of law, determine thatthese ads were deceptive and, therefore,denied summary judgment on thesecounts. Counts V and VI alleged thatthe defendants’ advertising violatedTILA and the CLA by failing to includelegally required credit information.The court granted the FTC summaryjudgment on these counts, finding thatsome of the defendants’ ads stated downpayments but failed to include otherrequired information such as the terms ofrepayment or the annual percentage rate.See Federal Trade Commission v. Tate’sAuto Center of Winslow Inc., 2021 U.S.Dist. LEXIS 23088 (D. Ariz. February 5,2021).COMPLIANCE TIPThe Case of the Month deals withclaims that the dealer didn’t disclosematerial limitations and exclusionsin its advertisements and, that itsadvertisements violated federal TILA andthe CLA by not including the requiredcredit information in them. These topicsraise a question or two. First, does yourdealership have a policy regarding thepreparation and review of your ads forcompliance with federal and state law?Have your ads been reviewed by counselto assure they comply with the law?Perhaps, once again, it’s time to call yourlawyer? nEric (ejohnson@hudco.com) is a Partnerin the law firm of Hudson Cook, LLP,Editor in Chief of CounselorLibrary.com’sSpot Delivery , a monthly legal newsletterfor auto dealers and a contributingauthor to the F&I Legal Desk Book. Forinformation, visit www.counselorlibrary.com. CounselorLibrary.com 2021, allrights reserved. Single publication rightsonly, to the Association. HC# 4812-06326750.MIADA MISSISSIPPI DEALER Q1 2021 7
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Long Beach, MS PRESIDENT DP Danna - Selecta Motors, LLC Indianola, MS VICE PRESIDENT (NORTHERN REGION) Bentley Nolan - Nolan Brothers Motor Sales Tupelo, MS VICE PRESIDENT (CENTRAL REGION) Thomas Conner - Heritage RV Center Madison, MS VICE PRESIDENT Steven Watkins - Watkins Auto Jackson MS
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The Mississippi State Board of Education, the Mississippi Department of Education, the Mississippi School for the Arts, the Mississippi School for the Blind, the Mississippi School for the Deaf, and the Mississippi School for Mathematics and Science do not discriminate on the
The Mississippi State Board of Education, the Mississippi Department of Education, the Mississippi School for the Arts, the Mississippi School for the Blind, the Mississippi School for the Deaf, and the Mississippi School for Mathematics and Science do not discriminate on the
The Mississippi State Board of Education, the Mississippi Department of Education, the Mississippi School for the Arts, the Mississippi School for the Blind, the Mississippi School for the Deaf, and the Mississippi School for Mathematics and Science do not discriminate on the
and associations of local government in their efforts to improve governance at the grassroots and to deliver services to the citizens of Mississippi. The center does not take an advocacy role in the Mississippi State University Extension Service Municipal Government in Mississippi Mississippi. Mississippi.
The 33rd Annual Mississippi Water Resources Conference was held April 23-24, 2003 at the Eagle Ridge Conference Center in Raymond, Mississippi. CONFERENCE SPONSORS: Mississippi Water Resources Research - GeoResources Institute U.S. Geological Survey, Mississippi District Office Mississippi Department of Environmental Quality's Offices of Land and
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