Gasoline Nozzle Newsletter



[pic]Gasoline Nozzle Newsletter

LXVI Edition January 2005

Gasoline Retailers Association of Florida

214 Stevenage Drive Longwood, Florida 32779

407-774-9700 Fax 407-788-3860 e mail pat@

Pat Moricca President SSDA / NCPR-AT

Service Station Dealers of America

Gasoline Retailers Association of Florida is a non-profit association representing Independent Gasoline Retailers, Convenience Stores, Gasoline Service Stations, Repair Shops, Tire Retailers, Truck Stops and Associates throughout Florida. Our goal is to improve the interests of these independent businesses and the motoring public. Cooperation with insurance companies provides benefits for our members. These benefits include money-saving programs for group health, workers' compensation, casualty, property and gasoline tank liability insurance. Benefits also include financing to purchase your gasoline station property and much more.

VISIT OUR WEB SITE FOR THE LATEST GASOLINE

INDUSTRY INFORMATION AND BENEFITS



Now that the New Year is here and looking back how far we have come

More and more independent gasoline dealers own their property than ever before and the future looks better. Exxon lost their Supreme Court appeal of overcharges and a Jury awarded 8 Shell dealers from Mass., 3.3 million dollars as they found Shell guilty with a plan to drive independent dealers out of business. Dealers from Florida to New York to California have filed law suits against Shell; and a Maryland gasoline dealer won a termination lawsuit that Shell filed against him. As more and more information about how the Oil Companies are eliminating independent gasoline dealers comes to light, the better our lawsuits are in a court of law.

Its amazing how gasoline station owners from all brands have the same problems in all 50 states. I receive e mails from European countries independent gasoline station associations with the same problems from the same Oil Companies.

Meanwhile the Oil Companies news sounds like a broken record, profits doubled, record quarter, best quarter ever, best year ever, healthy quarterly net income and on and on.

Ever since the mergers of Oil Companies and less competition, gasoline prices have gone out of sight while the Oil Companies are breaking profit records of outrageous proportions!

Shell Finally Faces Suit

Outcome could affect thousands of dealers From Mass. Retailers

Boston – A group of Shell dealers recently had their day in U.S. District Court, more than four years after filing a case against Royal Dutch/Shell. A judge listened as the Shell franchisees’ attorney laid out their allegations of unfair pricing measures, a plan they say was invoked to drive independent Shell owners out of business. A positive outcome for the Massachusetts dealers could change franchise contracts for thousands of other U.S. Shell dealers.

Shell attorneys countered that the measures were simply a result of business realities, not a strategy designed to hurt independent dealers.

The dealers’ attorney disagreed, stating his belief that Shell makes significantly larger profits when selling fuel through a company-owned outlet. He added that by raising wholesale prices charged to dealers, Shell forced the dealers to raise street prices or reduce their margin to stay competitive. Either way, he said, revenues were diminished to the point where owners could not keep up with normal business expenses. Ultimately, the dealers believe that Shell wanted to reclaim the neighborhood stations well below fair market value.

Shells attorneys fired back, stating that the price dealers were charged for fuel was in the range of what dealers across the country were paying at that time.

Jury Rules for Massachusetts Franchisees in Shell Trial

DECEMBER, 2004 -- BOSTON -- A federal jury awarded more than $3 million to eight Massachusetts gas station operators after finding Shell Oil Co. used unreasonable tactics that were effectively intended to drive them out of business, reported the Boston Globe.

The decision, reached yesterday afternoon in U.S. District Court in Boston, was a victory for the Shell franchise operators, who filed a lawsuit four years ago against Shell and affiliates of the Royal Dutch/Shell Group, arguing the companies raised wholesale prices for gasoline and rents on its station properties to levels that hampered their ability to compete for motorists' business. The suit said it was part of the company's plan to convert independent franchises into company-owned stores.

Nine jurors voted unanimously in favor of the gas-station operators, said their attorney, Gary Greenberg of Greenberg Traurig in Boston. ''Our clients feel vindicated. Unfortunately, some of them lost their businesses and have suffered greatly over the last several years," he said. ''A couple of these people worked for years, or took $100 or $200 a week in salary to survive as a neighborhood gas station" under their agreements with Shell.

The case was also important to the world's third-largest oil company, which has agreements with thousands of franchisees nationwide.

The jury awarded $3.3 million in compensatory damages. That total does not include interest, attorney's fees or possible punitive or other damages that may be awarded by the judge, Greenberg said.

Station franchisees argued in court that the company's actions reduced the number of independent Shell gas stations in Massachusetts to fewer than 100 in early 2003, from 177 five years earlier. The dealers took issue with the wholesale prices at which Shell sold its gasoline to them for resale to drivers. They said the high prices would either squeeze their profits or force them to raise prices to levels that could be undercut by other stations.

The jury voted yes to the question of whether Shell ''in bad faith" set wholesale gasoline prices ''that were not commercially reasonable," court documents said.

Lease agreements between franchisees and Shell, which owns the properties upon which the gas pumps sit, were also at issue in the trial which started in mid-November. Shell in 1999 and 2000 phased out rental subsidies, a decision the jury said was a breach of its lease agreements with station operators. Jurors decided that the elimination of the subsidies amounts to a ''termination of the franchises" under federal marketing laws. Shell violated the Petroleum Marketing Practices Act when it eliminated its rent subsidy program, an act which constituted constructive termination of the franchise agreements. 

Court Bars Shell From Terminating Dealer For Poor Image Scores

A federal judge says Shell cannot terminate a Maryland dealer's franchise because of two bad image scores.

U.S. District Judge Peter Messite issued a preliminary injunction halting the ouster of dealer Mohammad Anvari after hearing, among other things, how a rep had hinted at repercussions if the retailer failed to follow Shell's pricing policy at the pump.

Anvari bought the station in 1985 for $285,000, becoming a Shell dealer in the late 1980s. The station is also 35 years old. Neither Shell nor its East Coast marketing arm Motiva has made any major improvements, and Anvari claims they have failed to do basic station repair and maintenance work required by contract. (sound familiar)

Nevertheless, Anvari has done his best to keep the station in good shape, he says in his lawsuit. His seven employees do regular cleanup and maintenance, and he has an outside firm to clean the restrooms, concrete and parking lot, and deal with the lawn and landscape.

His efforts were apparently successful, Anvari was named a "Flagship Dealer" by Shell in 1995, and the station regularly passed inspections until October 1998. He also managed to increase average monthly volumes at the site from 2002 to 2004.

According to Anvari's suit, since at least 1998 Shell has used a system of zone pricing as "a profit-maximizing device" to control and manipulate retailer pump prices. Anvari repeatedly refused instructions from Shell rep Ron E. Woodfolk to price within 2cts/gal of a competing station. Woodfolk "expressed irritation," commenting more than once that just because Anvari had been at the site for 20 years "doesn't mean we can't throw you out."

Then, last year, Shell introduced a new program dubbed the "Customer Value Proposition." According to a letter to dealers from retail VP Russell Caplan, CVP was aimed at increasing "customer satisfaction, brand

loyalty and business performance."   

Along with the new program came a new kind of image form that was designed in a way that allowed the evaluator to achieve "subjective, arbitrary and discriminatory results," Anvari says.

For example, the evaluator could subtract the total points assigned to an inspection category for minor, insignificant conditions.

Shell set up the CVP program as "a tool for ridding itself of unwanted dealers" in circumvention of the Petroleum Marketing Practices Act so that it could establish a network of multi-location "master" operators, the suit claims.

In 2003, Shell set the `pass' bar at 70%, then raised it to 75% in 2004. In June this year, Woodfolk gave Anvari a score of 61% and in August said it was terminating him for failing to main minimum threshold scores on two consecutive inspections.

However, the termination notice when it arrived did not cite any provision of the 2003 franchise that Anvari had breached, only that he had failed to comply with provisions that were "reasonable and of material significance" to the franchise.

Dealer attorney Harry Storm, who represents Anvari, says Shell can't show that his client failed to comply with any provision of the franchise, or failed to make good-faith efforts to comply.

The CVP program upon which Shell is relying for its actions is an illegal and unenforceable promotion under Maryland law, Storm maintains. And, when coupled with Shell's zone pricing strategy, turns Anvari into a commissioned agent in violation of state divorcement law.

Shell declines to comment on the specifics of the case, Mard Enterprises Inc. v. Motiva Enterprises.

The company says its CVP program focuses on top consumer requests, such as properly working equipment, clean and well-maintained surroundings, and friendly staff. Motiva makes extensive efforts to help its wholesalers, retailers, and operators achieve the minimum CVP standards at its Shell-branded stations.

Russian Revolution, American Revolution

Dec, 2004

Lukoil rebranding nears in Northeast

MOSCOW -- Early next year Lukoil will start hoisting its red-and-white banners over its Mobil outlets in the Northeast, according to a report in the December 13 issue of Forbes.

Disc jockeys, trampolines, balloons, giveaways, direct mailings and credit card applications will herald Lukoil’s rebranding of the sites. Part of its $30 million marketing budget will be spent at sporting events. “We had hoped to advertise with the Philadelphia Flyers and the New Jersey Devils,” said Vincent De Laurentis, Getty’s executive vice president and COO, by embedding the Lukoil logo into the ice. But with hockey suspended this year, “maybe we’ll try basketball,” he said.

Once the Mobil stations are rebranded, some of its Getty stations will also get a new look. “Our stations will be rebranded and brought up to Lukoil’s international standards,” said Vagit Alekperov, head of Lukoil, owner of 2,100 stations from Maine to Virginia.

In Russia, the Lukoil brand is known and trusted, said the report. Until recently, the company dyed its gasoline red or blue to distinguish it from counterfeit fuels. But in the United States, Lukoil’s first battle will be to persuade consumers that their favorite station has not been taken over by an outfit pumping petrol of questionable provenance.

Alekperov is known as "the quiet oligarch," but there is nothing quiet about his ambitions. "The seven sisters should look out because they now have a brother," he said almost ten years ago. Lukoil has grown fourfold since Alekperov, a former Soviet oil minister, created it by consolidating state oil rights in the chaotic days after the collapse of the Soviet Union. He has not yet achieved his goal of turning Lukoil into a globally integrated oil giant, but he does have the makings. Lukoil has 20 billion barrels of proven hydrocarbon reserves, more than any other oil company except ExxonMobil.

Oil prices to slide in 2005

Dec., 2004 Oil prices will decline in 2005 and average $39 a barrel for the year because of reduced demand and increased supplies of crude from Russia and the Organization of Petroleum Exporting Countries, says a News survey.

New York oil futures will average $43 a barrel in the first quarter, according to the median forecast among 24 analysts. Oil has averaged $41.39 this year, up $10 compared with 2003 and the highest in 21 years.

"In the second half of the year slower demand growth and growing non-OPEC supply will coincide," said Antonio Szabo, chief executive of consultant Stone Bond Technologies.

.

January 2005 Changes

C-Store Compliance Reminder- It has been almost eight years since the initial decision by the Uniform Code Council to require bar code readers to scan 13-digit bar codes rather than the 12-digit code used in the United States and Canada. That decision referred to as the “2005 Sunrise rule” becomes effective January 1, 2005. Retailers should have made all the necessary changes to comply with this requirement. If you have not upgraded you may find that new products shipped from your suppliers may bear a 13-digit code that can’t be read by your equipment. There is not any punitive language should you have not upgraded your equipment you just won’t be able to scan all products. Just to brighten the discussion further there is an effort underway to see that scanning equipment can read the 14-digit Global Trade Item code.

Minimum Wage- It’s been more than a month since the citizens of the state amended our constitution by passing the “Minimum Wage Amendment”. The language in the amendment takes the minimum wage in Florida to $6.15 per hour (tipped employees to $3.13 per hour) and further provides for automatic increases each year tied to inflation adjustments. Whether or not you supported the move you need to understand that a little less than 3% of the wage earners in the state were at the federal wage guideline of $5.15 per hour. Implementation of the amendment begins six months after the amendment was enacted. That means you need to be in compliance effective in May of 2005.

Florida ranks 5th in identity theft

Attorney General Charlie Crist said he wanted to warn shoppers to be aware of thieves trying to get their personal information. Identity thieves are now using camera phones to snap pictures of credit card numbers and computer screens, he said.

FTC Asks Court to Halt Illegal Camco Operation:

Company Uses Threats, Lies, and Intimidation to Collect “Debts” Consumers Do Not Owe.

In the face of more than 2,000 consumer complaints, the FTC has asked a U.S. District court to order a halt to the harassing, intimidating, deceptive, and illegal ‘debt collection’ practices of RM Financial, Capital Acquisitions & Management (CAMCO). At the agency’s request, the court has frozen the assets of the company and its principals and appointed a receiver to oversee the corporate records and assets, pending trial. The FTC will seek a permanent halt to the illegal threats and lies the defendants use to attempt to collect “time-barred” debts and debts so old that they are beyond the statute of limitations, and cannot appear on credit reports and debts consumers never incurred and did not owe.

In March 2004, the FTC charged that CAMCO, , and their principals were threatening and harassing thousands of consumers to get them to pay old, unenforceable debts or debts they did not owe. The agency alleged that their abusive and deceptive collection practices violated federal law, including the Fair Debt Collection Practices Act. The companies and individuals paid a $300,000 civil penalty to settle the FTC charges, and were barred from engaging in abusive, deceptive, and illegal collection practices in the future.

In papers filed with the court, the agency charged that as much as 80 percent of the money CAMCO collects comes from consumers who never owed the original debt in the first place. Many consumers pay the money to get CAMCO to stop threatening and harassing them, their families, their friends, and their co-workers.

According to the FTC, grossly abusive behavior, including shouting and profanity, are commonplace tactics with CAMCO. Collectors told consumers:

We’re going to hound you ‘til the day you die; we will continue to hunt you; and we’ll get you one way or another.

How Wal-Mart Is Destroying America

And What You Can Do About It

by Bill Quinn Ten Speed Press, 1998

P.O. Box 7123

Berkeley, CA 94707

111 pages, $10 paperback

How Wal-Mart is Destroying America is a folksy, rollick-ing, slightly rumpled romp on the toes of the retail leviathan the author calls "my pet hate."

Bill Quinn is a retired (at age 84) small-town Texas newspaperman. The "America" in the title of Quinn’s book is small-town America, and he’s most exercised about the effect Wal-Mart has there.

But if you live in the city, or even in a town large enough to support a Wal-Mart, another big discount chain or two, and a few scattered small-retail survivors, you still need to read this book. It’s a splendid, accessible primer on the workings of savage capitalism and the reality behind America’s current biggest export: the mythical wonders of the free market.

Quinn says that Wal-Mart’s longtime goal has been to carpet America with stores so that no significant population would be outside the 35-mile radius from which stores draw customers. But Wal-Mart is not satisfied with being the biggest game in town; it wants to be the only one. Quinn quotes a former Wal-Mart manager who kept a full-time staffer with the job of gathering prices from any business selling competitive goods; Wal-Mart then undercut those prices.

The result is small towns with ghost business districts. Quinn cites a 1995 Iowa study showing that since Wal-Mart’s arrival, the state had lost 50 percent of its clothing stores, 42 percent of variety stores, 30 percent of hardware stores, and substantial numbers in all retail types competing with Wal-Mart.

Having shut down small-town retail, Wal-Mart is now pursuing a policy of consolidation, opening "superstores," which add groceries, auto supply and repair, and other goods and services to the standard Wal-Mart mix. When the superstores open, nearby smaller Wal-Marts close, leaving former host towns with neither native retail nor Wal-Mart. Faithful Wal-Mart shoppers without the means to travel, primarily the poor and elderly, are left with thanks for their past patronage and nowhere to shop.

Quinn is maddest about Wal-Mart killing small towns, but in showing how that happens, he exposes business practices by no means limited to Wal-Mart. He details how Wal-Mart squeezes suppliers (the publisher’s letter introducing the book relates the painful experience of Ten Speed Press), relies on sweatshop and child labor in its imported products, and mistreats its own employees.

For the disenchanted, Quinn offers tips on keeping Wal-Mart out of your town, mainly through preemptive zoning, along with citizen activism if Wal-Mart starts sniffing around. He recounts known tricks to watch out for, particularly Wal-Mart’s propensity to shop for land through front developers who don’t raise the red flag that Wal-Mart does.

But maybe the real answer is to question patronizing Wal-Mart or any other business run the same way. Sure, you may save a few cents, or even a few dollars, making a purchase there instead of at a small store owned by resident human beings. But what do you pay for that savings? If, as Quinn says, a community loses 1.5 jobs for every job Wal-Mart creates, does that change your savings? If you save a few pennies because Wal-Mart sells you a shirt sewn by a Bangladeshi child, does that change your real cost?

Quinn thinks it does.

COMPLAINTS! COMPLAINTS! COMPLAINTS!

As I read stories about high gasoline prices, comments and complaints that someone should do something about high gasoline prices.

WELL, there is someone who can do something about high gasoline prices, YOU. Everyone should get involved and call, write, fax and e-mail their local, state and federal elected officials and complaint about high gasoline prices. Don’t wait for someone else to do it because it will not get done. Only the consumer can make a difference.

Americans Trading Smoking For Eating

NEW YORK -- Several public heath experts believe that many Americans are trading smoking for the lesser evil of eating too much, according to the New York Times.

The story of this trade-off can be seen in the data. From 1973 until 1983, Americans were actually growing thinner. During that period, the average weight of middle-aged men fell about two pounds, while that of middle-aged women fell nearly three pounds.

Then the trend reversed: From 1980 to 2000, the average weight of Americans rose by nearly 20 pounds. Everyone got heavier, said Dr. David Williamson, a statistician at the Centers for Disease Control and Prevention, to the New York Times. "Competitive cyclists weigh more than they did 20, 30 years ago; HIV patients weigh more."

Yet the nation also is healthier. Life expectancy has gone up by more than six years over the past three decades, and heart disease, long the major killer, is on the wane.

A big reason Americans are fatter and healthier, Dr. Williamson believes, may be the steep decline in cigarette smoking. If he is right, the rise in obesity is a classic case of unintended consequences - one of a long list of medical and public health interventions whose full effects could not be foreseen.

"There is no question that smoking affects the epidemic" of obesity, said Dr. Neil Grunberg, a psychologist and neuroscientist at the Uniformed Services University in Bethesda, Md.

Tallahassee

The Florida legislature in special session provided relief for residential property owners who were charged multiple insurance deductibles for hurricane damage. You will be eligible for the amount taken from your claim to cover additional deductibles. Again you must apply by March 1, 2005 to the Department of Financial Services. These efforts were just passed.

We Need Your Help Supporting Right To Repair Legislation

SSDA/NCPR-AT has been asked to reach out to its membership for help with the Right To Repair Act legislative efforts. If your business does auto repairs and you had to call a customer to inform them that your shop was unable to service or repair their car because of a lack of information available and you had to send them to the auto dealership, then you should help.

Please contact those customers and ask them to write a “To whom it may concern” letter detailing their experience and the inconvenience it caused them. If you are able make this effort, please have them forward these testimonials to SSDA/NCPR-AT association office at SSDA-AT 1532 Pointer Ridge Place, Suite E Bowie, MD 20716 (301) 390-4405 FAX: (301) 390-3161. We need to refute the ASA/Manufacturers position that there is no need for this legislation. We witness them in hearings and see them in the press making the claim that good shops can get the information they need to service and repair any vehicle. Help us prove them wrong.

INVESTIGATIVE SERVICES

Corporate Defense Strategies Inc. / Information Research Specialist Inc.

Corporate Defense Strategies / Information Research Specialist provides national and worldwide services. We are a full service private investigation firm that is licensed, bonded and insured. Our principle investigator has over twenty-five years experience in loss prevention and corporate security.  Our investigators are also experts in corporate theft investigations, background checks, interview & interrogations / skip tracing and major asset investigations / judgment recovery.  In addition, CDS is a member of many national investigative associations.

Toll free (888) 361-3800

Fax - (407) 324-9856

e-mail- CDSInvest@

Web Site- Corporate Defense Strategies Inc.

Special Offer From Oil Price Information Service

The Gasoline Retailers Association of Florida has arranged for you to receive an exclusive $75 discount off the regular subscription price of Oil Express -- the leading independent newsletter for petroleum marketers.

Each Monday, Oil Express delivers critical news to help you increase profit margins, expand your business, explore new profit centers, avoid costly regulatory pitfalls and protect your bottom line. Plus, when you subscribe, you’ll also receive the completely updated 2004 Fuel Regs & Specs Guide absolutely FREE. It's the only desktop reference source that helps you easily track today's complex and changing fuels environment nationwide.

The publisher is so confident you’ll benefit from Oil Express that she stands behind it with a 100% no-risk, money-back guarantee. This indispensable news source is a good investment -- especially with your exclusive $75 discount -- so call 1-877-210-4287 and subscribe today. Make sure you mention discount code DG3872 to take advantage of this rate.

Almost every retail business receives bad checks:

CollectAChek is a NSF check recovery company that collects face value of check and charges owner of the check cost for recovery. The business receives full amount of check. For more information, Contact Frank Straughn @ (877) 874-9791 or e-mail fstraughn@

Meadowbrook Insurance Group Workers’ Compensation dividend program

The Gasoline Retailers Association of Florida proudly sponsors Meadowbrook Insurance Group as its source for workers’ compensation insurance. Meadowbrook Insurance Group Workers’ Compensation is available to the Gasoline Retailers Association of Florida membership.

For more Information contact:

Cindy Winternitz 800-575-1816 or Pat Moricca 407-774-9700.

Gasoline Retailers Association of Florida-Meadowbrook Group Workers’ compensation dividend program has produced a dividend on paid premiums for five out of the last six years.

When the Government Wants Your Property You Have Rights

But You May Also Have Obligations:

You receive a letter from a governing entity (state, county, city, etc.) saying your property, or part of it, is needed for the improvement or widening of Main Street, Anytown, Florida. In a state growing at an exponential rate with,

seemingly, every other road under construction, this is becoming a common occurrence. The purpose of this

article is to present an outline of the process involved when the government uses its power. This process is

often referred to as condemnation and owners and businesses have rights provided under Florida law.

For full information, Contact:

Barry S. Balmuth, P.A.

Centurion Tower-Eleventh Floor

1601 Forum Place, Suite 1101

West Palm Beach, Florida 33401

(561) 242-9400 Telephone (561) 478-2433 Facsimile

INSURANCE RECOMMENDATIONS

The last minute policy renewal quote:

By waiting till the very last minute it will prevent the insured (you) from being able to shop for a lower cost policy. Below are a couple tips to help you get the best deal on insurance.

Liability: At least six weeks before your policy expires, seek out competitive quotes from at least one additional agent/company. You will need to know your current policy coverage and terms to get competitive information. Gasoline Retailers Association of Florida’s/Insurance Office of America’s money saving programs and a complete insurance package to meet your business responsibility.

Contact Glen Esbjorn from the Insurance Office of America for your insurance needs @ (800) 242-6899 (407) 788-3000 or Pat Moricca @ (407) 774-9700

For Group Health Insurance: Contact Dan Ricker @ 1-888-269-6019 x 2520 for information.

S. O. S.

Safehouse of Seminole Domestic violence is a social issue, which crosses all boundaries and threatens the very fabric of our society. At Safehouse of Seminole, we are dedicated to breaking this cycle of violence through our shelter and community outreach programs. Our crisis line and shelter programs provide victims and their children with the resources they need to begin healing from past and preparing for their future. Believing that education and awareness are vital tools for change, we provide educational programs in Seminole County Schools and other community organizations. 24-Hour Crisis Line 407-330-6933.

Safehouse of Seminole needs your donations

Your contribution to Safehouse may be tax deductible on your annual tax return, as Safehouse is an organization of the type described in section 509(a)(1) and 170(b)(A)(vi) under the Internal Revenue Code. Our registration number is SC-05086.

Safehouse of Seminole Wish List:

Personal Needs – Bedding Needs – Baby Food & Needs -- School Needs – Grocery/Kitchen/Cleaning Needs – Holiday Needs – Miscellaneous Items for everyday Needs!

Contact the Safehouse of Seminole @ 407-330-3011 for a copy of their Wish List.

Please make checks payable to and mail to

Safehouse of Seminole PO Box 2921, Sanford, FL, 32772

$10_____ $15_____ Name__________________________________Telephone______________________________

$20_____ $50_____ Address______________________________________________________________________

City______________________State_________________________Zip

*****FOR SALE*****

GAS STATION INCLUDING LAND

New environmentally approved tanks/veeder-root/major brand

busy road-approx. 39,000 cars a day great location with land Asking 975,000

Plantation Florida Call 561 495 1373

JOIN TODAY

SUPPORT ASSOCIATE MEMBERS WHO SUPPORT OUR ASSOCIATION

**CLASSIFIED**

Grogan Realty Co.

Specializing in Gasoline stations &

Commercial property financing available

(904) 737-3493 Fax (904) 731-0025

Insurance Office of America

1855 W.S.R. 434

Longwood, FL 32750

Group Health, Property & Casualty Liability

Underground Storage Tank Insurance

Contact: Glen Esbjorn (800) 243-6899

Chokshi Accounting & Tax Services, Inc

201 Park Place Suite #300

Altamonte Springs, FL 32701

(407) 332-8311

Meadowbrook Insurance Group

Workers’ Comp. Dividend Program

(Paid dividends 5 of 6 years)

Contact Cindy Winternitz

(800) 575-1816

Collect A Chek

NSF Check Recovery

P.O. Box 960

Ypsilanti, Michigan 48197

Contact: Frank Straughn

Toll Free: 1-877-874-9791

fstraughn@

GASOLINE SUPPIERS

Hamid Ghannad

United Oil Co. Inc.

5012 E. Broadway

Tampa, FL 33619

(813) 241-4610

Bill McKnight

Automated Petroleum & Energy Co.

P.O. Box 1110

Brandon, FL 33509

(813) 681-4279

Tim Loggins

Lewis & Raulerson, Inc.

P.O. Box 59

Waycross, Georgia 32502

(912)-283-5951

LOST YOUR LENDER?

No wonder: With all the mergers, acquisitions and closings, your lender is probably lost too.

We specialize in extending competitive rates on financing from $75,000 to $5,000,000 through SBA and USDA guaranteed loans.

GOLETA NATIONAL BANK

A Community West Company

Contact John Grogan Business Development Officer

Office 904-731-9020 fax 904-731-0025 cell 904-571-6564 E-Mail jgrogan@

GASOLINE RETAILERS ASSOCIATION of FLORIDA

WELCOMES ALL NEW MEMBERS

MEMBERSHIP DOES NOT COST, IT PAY

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$10____ $15____

$20____ $50____

$100____other____

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