2
New Webinar Series
A new webinar series available free to MRA members this spring and fall reflects the ‘power of many.’ Page 2
3
Strong 2012 Forecasts
Coming off a positive 2011 and a good holiday season, Michigan retailers are projecting a strong 2012. Page 3
5
Remote Access
Although remote access to your business computer system is usually a godsend, there is a potential downside. Page 5
® April 2012 Vol. 37 No. 2
Local organizations joining Main Street Fairness campaign Grassroots efforts are growing in support of Main Street Fairness legislation to level the playing field between Michigan-based retailers and out-of-state, online merchants. Local economic development organizations and chambers of commerce are adopting resolutions calling on state legislators to approve the bipartisan Michigan Main Street Fairness Act, House Bills 5004 and 5005. Others are making their voices heard by formally joining the broad Michigan coalition, led by Michigan Retailers Association, that’s pushing for legislative action. “Michigan-based retailers are put at an automatic 6 percent price disadvantage by an onerous and unfair tax loophole allowing out-of-state merchants to avoid collecting the sales or use tax owed,” states the resolution adopted by the Delta Charter Township Economic Development Corporation in Eaton County. The measure then urges the legislature “to act favorably in removing this… loophole.” Similarly, the Rockford Chamber of Commerce adopted a resolution stating the city’s retail sector employers and employees are “threatened by this inequitable price advantage.” The resolution urges lawmakers “to vote in favor of removing this onerous and unfair tax loophole.” Other communities urging action on Main Street Fairness include Gaylord, Sault Ste Marie, Brighton, Coldwater, Hillsdale, Petoskey, and Ingham County’s Meridian Township. “We welcome these resolutions and encourage other communities to take action,” said MRA’s William J. Hallan, vice president government affairs and general counsel.
The official publication of the Michigan Retailers Association
www.retailers.com
Going after organized retail crime Michigan Retailers Association is working with Governor Rick Snyder to provide Michigan law enforcement with better tools to fight the growing problem of organized retail crime. “We applaud Gov. Snyder for taking on this serious public safety issue, and we look forward to assisting his legislative efforts to ensure better laws are enacted,” said James P. Hal-
lan, MRA president and CEO. Calling organized retail crime an “alarming and growing attack on retailers and consumers,” Gov. Snyder included an initiative to target professional theft rings in the anti-crime agenda he set out in his March 7 special message on public safety. “I’ll be sending to the legislature a bill that addresses this situation head
Preaching positive retail all across North America by Jean Eggemeyer
Bob Negen understands the power of positive thinking. He’s seen it in action in business for more than 30 years and can point to the results – sometimes astounding – all over North America.
gies that ignite sales and bring the fun back into retail. As owners of Michigan-based WhizBang! Training, Negen and his wife, Susan, speak to scores of groups each year, providing practical advice and sharing tactics touching on all areas of retail management. Susan also has solid retail experience, having served as an executive at several large and small retailers. Two of Bob’s clients, Jeremy and Melissa Truxillo, who own a hobby store in Lafayette, Louisiana, grew their sales 40 percent in 2011 based on the Negens’ methods. The store’s previous growth had been in the 2-3 percent range. Negen’s explanation for the jump is simple: “They learned what to do.” The Truxillos, however, credit Negen’s common sense advice Bob Negen and MRA will hold a day-long coupled with his contagious Retail Boot Camp on May 24 in Kalamazoo. enthusiasm for the tremendous Once a single store retailer of uptick in sales. kites, Negen now devotes his time to teaching independent retailers in Humble start the U.S., Canada and Mexico strateNegen’s path to retailing evangelism started, humbly enough, in 1981 on the highways leading to northern Michigan. Fresh out of college, he decided to turn his hobby of flying kites into a retail endeavor. “I loved kites and I loved northern Michigan, so I decided to head up and open a store. I was so totally Continued on page 2
on, by providing a more effective and comprehensive law specifically targeting Organized Retail Crime,” the governor said. Hallan, who had discussed the issue in detail with the governor’s office prior to the special message, explained that organized retail crime is responsible for a large and growing share of the estimated $15–30 billion in annual retail theft across the nation. “We’re not talking about conventional shoplifters, we’re talking about sophisticated rings of professional criminals who steal for large financial gain,” Hallan said. “In many instances the stolen merchandise is sold for cash or drugs, which can be used to finance other major criminal activities.” Current Michigan laws are generally limited and deal primarily with personal shoplifting, Hallan said. That means prosecutors are left with a patchwork of criminal statutes that are not specifically applicable to organized retail crime and make enforcement difficult. “Organized retail crime not only hurts retail businesses, it has farreaching effects throughout society,” Hallan said. “We appreciate the governor addressing this problem and we’re prepared to help any way we can.”
Put membership on your website Want to add some instant credibility to your website? Now you can let shoppers and other visitors MEMBER OF know you are a proud part of the naTrusted Business Resource tion’s largest For More Than 70 Years state association of general merchandise retailers and other businesses by putting a “Member of Michigan Retailers Association” seal on your Internet site. Two different sizes are available. To find out more, contact MRA’s Laura Schilling at lschilling@retailers. com or 800.366.3699 ext. 313.
2
Michigan Retailer
New webinar series reflects ‘power of many’ by James P. Hallan, MRA President and Chief Executive Officer Michigan Retailers Association was founded on the principle that the retailer who’s part of a group is stronger than the one standing alone. That principle has worked extremely well over the past 72 years MRA has been in existence. MRA members have taken advantage of the combined strength of thousands of retail businesses when it comes to everything from negotiating lower rates on business services to wielding legislative clout. That “power of many” is also part of the thinking behind a new series of webinars MRA is offering to members this spring and fall. The free, one-hour sessions on important issues facing retailers have been put together not just by MRA, but also by representatives of several other state retail associations across the United States. Started by Michigan, New York
and South Dakota last year and now working under the umbrella of the Council of State Retail Associations (CSRA), these webinars draw upon retail expertise throughout the country. The webinars are available to any state retail association within CSRA that’s willing to share in the modest costs of holding the programs. That means the individual members of MRA or any other state retail association benefit from being a member of their state association, and then benefit again from their association being part of CSRA. That’s sort of like “the power of many” squared. There are two webinars being held this spring and two more this fall. They’re free – a benefit of membership – and scheduled for the early morning so you don’t have to take much time away from your daily
business schedule. We hope you take advantage of these webinars to gain some new knowledge or insights that can help your business. Please let us know how helpful they are and what topics we should focus on in the future. Here are the dates and topics: • April 25: “To Tweet or Not to Tweet: Answers to the most common social media questions in retail.” 8:30 a.m. • May 23: “Give Your Customers Red Carpet Treatment.” 8:30 a.m. • September 27: “Passing the baby: Eight must-haves of successful succession planning.” • October 3: “Keep your credit card processing secure this holiday season.” Find full details and registration information at www.retailers.com
Preaching positive retail all across North America Continued from page 1
inexperienced it took several tries to find a location that might work,” he said, before ending up with a store in downtown Mackinac City. He hired his younger brother, Steve, then not yet 20, to help with the business and started him out as a kite flyer positioned at the docks of one of the ferry lines to entice Mackinac Island-bound tourists to the store. In their fourth year, after experiencing some success paying the rent and having enough left over for their own salaries, the brothers decided to open another store and landed in Grand Haven. As they grew, they added product lines, staff and space. Capitalizing on the renewed popularity of yo-yos in the mid 1990s, the Negens opened Yo-Yo Universe kiosk locations throughout Michigan. Once the yo-yo craze had run its course, Negen decided to start a new business sharing what he’d learned. “Susan and I saw such a need for the critical business skills we had spent so long developing,” said Negen. “So we decided to start WhizBang! Training.” The couple envisioned providing independent retailers with all the information they needed to become successful. There wasn’t a comprehensive product like that available, so
they spent a full year developing one. Critical skills They indentified 11 critical business skills that retailers must have to run successful stores and then developed learning modules, available in various media, around each skill set. “What we found through experience is that what you don’t know will eventually reveal itself when you grow,” explained Negen. “At the kite shop we grew, so we hired some people and discovered we didn’t know anything about managing people. We grew some more and found out we knew nothing about managing cash. “These are all skills people need to know as they grow, so we decided to try and make the learning process easier.” More than 1,500 people have invested in their 11-module Retail Mastery System, and they reach another 15,000 retailers through free tools and resources they offer on their website, on Facebook and through email. The biggest struggle independent retailers face today, according to Negen, is not a bleak economy or competition from Internet retailers or chain stores. It’s the frustration that arises from not having the skills to succeed. “Your passion for your product is not enough to make you profitable,”
he explained. “The economy is challenging, but it’s not the economy that’s the problem. And it’s not things like the road is torn up in front of your store. “The challenge is to use your skills and knowledge to do what you need to do to build your business. My biggest challenge is getting people to realize that what they need to know is out there. Problems are solvable.” Winning formula One of the most important shifts in thinking Negen had to make, he explained, was to become as serious about becoming a great businessperson as he was about being a great kite enthusiast and marketer. “I decided that I was going to have as much fun running my business as I did going out flying kites. I screwed things up, I laughed, I learned my lessons and then I moved on. “People who are moving forward, learning, trying, experimenting and who have the right attitude will succeed.” Negen likes to use a formula he devised to bring home the point: RI+FA=BD. The Right Information plus Focused Action brings Big Dollars. “I don’t deny the competition that comes from big box stores or online, but there are tactics you can use to Continued on page 4
www.retailers.com
Board of Directors: Barb Stein
Chair Great Northern Trading Co., Rockford
James P. Hallan
President and CEO Michigan Retailers Association
Thomas Ungrodt
Vice Chair Ideation, Ann Arbor
Peter R. Sobelton Treasurer Birmingham
Jean Sarasin
Secretary Michigan Retailers Association
Joe Swanson Past Chair Target Corp.
Becky Beauchine Kulka
Becky Beauchine Kulka Diamonds and Fine Jewelry, Okemos
Dan Marshall
Marshall Music Company, Lansing
Orin Mazzoni, Jr.
Orin Jewelers, Garden City
Joseph McCurry
Credit Card Group
Larry Mullins
Brandon Tire & Battery, Ortonville
R.D. (Dan) Musser III
Grand Hotel, Mackinac Island
John Smythe Lansing
James Walsh
Meijer, Inc., Grand Rapids
D. Larry Sherman
Board Member Emeritus
Michigan Retailers Services, Inc. Board of Directors: Bo Brines Little Forks Outfitters, Midland
Brian Ducharme AT&T
James P. Hallan Thomas B. Scott Publisher
Editor
Pat Kerwin
Design Manager
Publication Office: 603 South Washington Avenue Lansing, MI 48933 517.372.5656 or 800.366.3699 Fax: 517.372.1303 www.retailers.com www.retailersmutual.com
Subscriptions:
Michigan Retailer (USPS 345-780, ISSN 0889-0439) is published in February, April, June, August, October and December for $20 per year by Michigan Retailers Association, 603 South Washington Ave., Lansing, MI 48933. Subscription fees are automatically included in the Michigan Retailers Asociation membership dues. Periodical postage paid at Lansing, Michigan. POSTMASTER: Send address changes to 603 South Washington Ave., Lansing, MI 48933. The Michigan Retailer may be recycled with other white office paper.
April 2012
3
MICHIGAN RETAIL INDEX
Michigan retailers forecast even stronger 2012 showing since November 2010. The Index gauges the performance of the state’s overall retail industry, based on monthly surveys conducted by MRA and the Federal Reserve. Index values above 50 generally indicate positive activity; the higher the number, the stronger the activity. Looking forward, 57 percent of retailers expected sales during February–April to increase over the same
Current
period last year, while 9 percent projected a decrease and 34 percent no change. That puts the seasonally adjusted outlook index at 78.0, up from 71.8 in December and 75.8 in November. Michigan sales tax receipts totaled $511.8 million in February, a 14.5 percent increase from the prior year, and $597.1 million in January, a 9.0 percent increase from the prior year. Most of the year-over-year growth in January
3-Month
11 -12
Performance Index
10-11
80
70
70
60
60
50
50
40
40
30
30
reflected calendar factors; adjusting for them, the year-over-year increase would have been only 1.2 percent. Complete results of this month’s Michigan Retail Index—including data on sales, inventory, prices, promotions and hiring—are available at www. retailers.com/mra/news/michiganretail-index.html. The website includes figures dating back to July 1994.
11-12
Outlook Index
80
10-11
2010
2011
2012
700 600
597
591 598 548
500
511 447
400 300
JAN
DEC
NOV
OCT
SEP
AUG
JUL
JUN
MAY
APR
MAR
FEB
JAN
DEC
NOV
OCT
SEP AUG
JUL
JUN
MAY
APR
MAR
FEB
Coming off a positive 2011 and a good holiday season, Michigan retailers are looking for an even stronger 2012. Ninety percent expect to increase annual sales, with most projecting increases of 5 percent or more, according to the latest Michigan Retail Index, a joint project of Michigan Retailers Association and the Federal Reserve Bank of Chicago. “Michigan retailers are optimistic,” said Tom Scott, senior vice president communications and marketing. “They are looking at improvements in the economy and seeing that translate into better consumer spending and retail sales. A quarter of them believe their own sales will rise by double-digit percentages.” The industry’s overall sales performance increased in January, setting a course for what retailers hope will be continued improvement. The Michigan Retail Index for January found that 48 percent of retailers increased sales over the same month last year, while 32 percent recorded declines and 20 percent saw no change. The results create a seasonally adjusted performance index of 63.8, up from 59.1 in December and 63.2 in November. It was the best
Seasonally adjusted diffusion index, calculated by adding the percent of respondents indicating increased sales and half the percent indicating no change, and then seasonally adjusting the result using the U.S. Census Bureau’s X-11 Seasonal Adjustment procedure. Index values above 50 generally indicate an increase in activity, while values below 50 indicate a decrease.
200 (millions)
Dec
Jan
Feb
Be sure to complete your online survey each month!
Does She Know You? She makes 88% of her family’s purchases. She researches online before buying anything. She’s savvy and tough. And she needs your product. Let us tell her your story and make her actually care about your store and offerings. Because we understand retail and, most of all, we understand what will bring her to your store. Call our CEO, Ed Borowsky, at 413-374-1765 for a confidential, free consultation. www.monarchadvertising.net
MONARCH
TM
ADVERTISING
EFFECTIVE, AFFORDABLE SOLUTIONS.
television
websites
print ads
media
social
radio
pr
research
46
Michigan Retailer
www.retailers.com
Preaching positive retail across North America Continued from page 2
combat those impacts.” Negen is passionate about helping the independent retailer succeed, which makes him an effective and popular speaker. “I worked the floor for 19 years. I know the excuses retailers will use to explain less than stellar results and I know which are valid and which aren’t,” he said. “I use a lot of storytelling to augment the solid information and tactics I teach in my presentations, because I teach what really works
for other retailers. I want retailers to leave with their heads nearly exploding with great ideas, optimism and the motivation to try new things.” And Negen knows there is always more to learn. “If a retailer tells me about an idea she tried and it’s a great idea, I’m on it like white on rice and sharing it with other retailers.” Jean B. Eggemeyer is a freelance writer, small business owner and former Michigan Retailers Association employee.
Retail Boot Camp coming to Kalamazoo Bob Negen is teaming up with MRA to offer a one-day Retail Boot Camp on May 24 in downtown Kalamazoo. The event will arm you with the knowledge of how to: • Get New Customers for Little or No Money • Turn Those First-time Shoppers into Long-Term Customers • Find and Train a Team of Retail Superstars • Become a Sales Coach So You Can Turn Your Team into a Selling Machine • Quickly Implement 5 Ways to Immediately Build Your Average Sale • Easily Build Your Customer Database Using the World’s Simplest and Best Loyalty Program • Master Electronic and Social Media Marketing to Dramatically Increase Customer Loyalty • Leverage Your Online Presence While Driving More Sales
May 24
For details and registration go to www.retailers.com or contact Kammy Johns at 800.366.3699 or kjohns@retailers.com.
April 2012
5
RETAIL TECHNOLOGY NEWS
Downside of remote access John Mayleben CPP, is MRA senior vice president technology and new product development and a national expert on electronic payment processing. He is the first person in Michigan and among the first in the nation to receive the Certified Payments Professional designation from the national Electronic Transactions Association. If you have the ability to access your computer system from an offsite location, the use of the technology that provides you “remote access” is usually a godsend. It can eliminate the need to drive back to your office or store to solve a problem there. It also saves time in case your computer or POS vendor needs to run an update or solve a more significant issue. But there is also a serious potential downside. Because remote access is, in essence, a back door to get into your system, the bad guys also can get in under the wrong circumstances and create mischief or cause you serious financial damage. If they do get in, chances are it is not because of something you have done (other than giving keys to trusted vendors or other “partners”), but something that one of those “partners” has done. In more and more cases, retailers using POS cash register systems that also handle merchant processing transactions have had data breaches because a “bad guy” hacked the system of one of their vendors. How do bad guys gain entry to your system from your vendor’s? The hacker lurks on the vendor’s system until the vendor accesses your system for a legitimate reason. And when the vendor does that, it’s like giving the bad guys a copy of the keys to your back door. At some point in the future, the hacker will enter to create havoc. In one recent case, a retailer’s system was accessed in just that manner, and the retailer ended up with about 2,000 card numbers exposed. When that happens, unfortunately, the card associations look to the retailer for compensation because the retailer is the “merchant.” Any contract the retailer has with the vendor does not normally include the card association. What that means is that the retailer, in most cases, ends up paying the bill and having to collect from the vendor – but only if the retailer’s contract with the vendor allows for that. In some cases, because the bad guys don’t usually “hack” just one system, the vendor ends up with hundreds of client data breaches.
If you have a POS system that allows for remote access, you should talk with your IT specialists to determine the best way to protect your data from this type of hack. You should also review the business case for each point of remote access and ask yourself, “do I really need this turned on?” In some cases you may find that the risk is simply too great. The risk is great because the cost of one of these data breaches can easily run into the tens of thousands of dollars. In today’s economic climate, most businesses would have trouble coming up with that kind of money – most commercial insurance doesn’t cover that type of loss. In the case of merchants who process with Michigan Retailers Association, we automatically provide (as part of the normal monthly fee you pay for merchant processing) $100,000 worth of data breach coverage, just in case “bad things happen to good people.” Even if you process with MRA you should still have that conversation with your IT folks. If you process elsewhere and don’t have this kind of data breach coverage, you should ask about it right away or give us a call.
Offer Gift Cards, Increase Sales.
800.366.3699
6
Michigan Retailer
NEW MEMBERS Albion Inn, Albion Quality Quilting, Ann Arbor Washtenaw Dairy, Ann Arbor Sugar & Spice Child Care Center, Battle Creek Bay City Players Inc., Bay City U-Lock-It Self Storage LLC, Belleville Wholesale Motorsports, Brighton Family Tavern, Caledonia Dale’s Service Inc., Cedar Springs Dearborn Avenue Bistro Inc. dba BT’s, Dearborn Pets Supplies Plus, Dearborn King Cole Foods, Detroit Michigan Tile & Marble, Detroit Lakeland Mills Inc., Edmore Ram Creations, Farmington Carrows Supermarket, Farwell Billmeier Camera Shop, Fenton Warfield Grille, Fraser Azkoul Productions Inc., Grand Rapids Elements Hair Design, Grand Rapids Woodward Save A Lot, Highland Park Olree Chiropractic Inc., Hillman Hillsdale County Agricultural Society, Hillsdale Michigan Wood Pellet Fuel LLC, Holland P Piero DDS, Holland Isethena Press LLC, Holland Continental Fire Company Inc., Houghton Hudsonville Towing Inc., Hudsonville Kenya Hope, Hudsonville Midwest Amusement Corp., Jackson
Biblical Counseling Center, Jenison National Flavors Co., Kalamazoo Marsh Industrial, Kalkaska Mayflower Congregational Church, Lansing McClelland & Anderson LLP, Lansing Michigan Sheriff’s Association Education Services Inc., Lansing Red Wing Shoes, Livonia Cover Concepts LLC, Lowell Nader’s Motel, Ludington West Michigan Physical Therapy, Ludington Marion Jiffy Mart, Marion Berlin Raceway, Marne Michigan Sales & Equipment Inc., Marquette Valles Village Market, Marquette Kassel’s Korner Inc., Marquette Mesick Shop & Save Inc., Mesick Curtis S. Young MD PLC, Midland Gitchee Gumee Bible Camp, Mohawk Holiday Pool & Patio, Muskegon Upper Crust, Otsego Genuine Toy Company LLC, Plymouth Suburban Travel Service Inc., Rochester Auto Pro, Saginaw Red Horse Bar Inc., Saginaw Vander Haag Car Sales, Scottville JCS Computer Resource Inc., Southfield Michiana Corrugated Products, Sturgis W E Slitt Company, Three Rivers
www.retailers.com
LOTTERY
Club Keno goes ‘Full Tilt’ by M. Scott Bowen, Commissioner Get ready to go “Full Tilt!” Beginning April 2, when players purchase a fivedraw ticket with the Kicker and The Jack options selected on their Club Keno wagers, they will get a sixth draw free! Club Keno “Full Tilt” will be a valid promotion April 2-22, 2012. With so many players expected to take part in this promotion, it will allow The Jack jackpot to grow by more than $100,000 per day. That is truly something to get excited about! The free sixth draw extends the player’s same set of numbers, including the Kicker and The Jack. We’re making it fun and easy, as Club Keno players can pick their own numbers or use an easy pick, without the need of a betslip. We’re also making it easy for all of our retailers, as all terminals and self-serve equipment will have this promotion preloaded. That means when you select The Jack and Kick-
er option on a five-draw wager, the machines will automatically give the player the sixth draw on the same ticket, free, with no additional effort. New Instants Instant games now launch monthly. On April 24, look for the $1 Triple Your Luck, $2 Doubling Red 7’s and $100,000 Bingo, a $3 ticket. All of the following Instant tickets are set to expire on April 2: IG 366 Tripling Red Hot Cashword; IG 379 Million Dollar Multiplier; IG 380 Tripler; IG385 Ghouls Gone Wild, and IG 398 The Wizard of Oz. Over 95 cents of every dollar spent on Lottery tickets is returned to the state in the form of contributions to the state School Aid Fund, prizes to players and commissions to retailers. In fiscal year 2011, the contribution to schools was over $727.3 million. Since its inception in 1972, the Lottery has contributed more than $16 billion to education in Michigan. For additional information, please visit the Lottery’s website at www.michiganlotter y.com.
April 2012
7
IT’S THE LAW
Stores’ responsibilities toward service canines by William J. Hallan, MRA Vice President Government Affairs and General Counsel While browsing the shelves of a local bookstore, I turned the corner and was greeted by a service dog a n d t h e d o g ’s owner. I’ve been to Mackinac Island enough to know that you do not pet another’s working animal (especially a large horse) unless first asking permission. While the phrase “better safe than sorry” comes to mind, I must
rified of dogs. Others would consider the presence of a dog in a bookstore or restaurant extremely objectionable. Animal preferences aside, service dogs fulfill a very important function for their owner. Those who are blind, deaf or physically limited rely on their dog to perform functions that those without disabilities take for granted every day. That is why the Michigan Legislature passed legislation that permits service dogs in public places. Though the law is not new, it’s often helpful to revisit a retailer’s responsibilities when it comes to service dogs. In short, it’s a misdemeanor to turn away a disabled person and his or her service dog during business hours (MCL 750.502c). It is also a misdemeanor to turn away a trainer and service dog during business hours. The crime may carry both jail time and fines. Specifically, the misdemeanor is punishable by imprisonment of not more than 90 days or a fine of not more than $500 or both (MCL 750.504). The bookstore correctly permitted the service dog and the owner to browse the aisles. Although not all of your customers may welcome the presence of a service dog, the purpose is to accommodate all patrons who visit your store.
“ it’s a misdemeanor to turn away a disabled person and his or her service dog.” admit I’ve never seen a service dog that wasn’t extremely well behaved. This particular dog, a border collie, was extremely friendly, and after a brief exchange with the owner I was scratching the dog behind the ears. It’s interesting how seeing an animal in a foreign environment (e.g., the non-fiction section of a bookstore) can create very different reactions. As a dog owner myself, I welcome the opportunity to bond with man’s best friend. However, I realize that not everyone is a dog person. In fact, many are ter-
Membership Services Corner
Quick notes on key services. Call 800.366.3699 for details. Credit Card Processing • Please notify customer service of any changes such as Tax Identification Number (TIN), bank account, address or phone number. • Compliance with PCI Data Security Standards – and documentation of your compliance – is mandated by the card associations. Please visit http://www.compliance101.com to document your compliance. • Pin-Based debit transactions cannot be voided. Please call customer service to discuss the correct procedure. • These terminals are no longer PCI Compliant: Zon Jr, Tranz, Omni and Hypercom T7P. Contact customer service to discuss upgrade options. • Your terminal can support your s t o re p o l i c y t o re d u c e c u s tomer disputes. Call to i n q u i re a b o u t F o o t e r L i n e s .
• Credit card fraud is on the rise. Call to verify any suspicious email, phone or Internet orders you receive, including shipping out of the country, wiring money or paying a third party. Never wire money. Social Media Michigan Retailers would like to connect with our members through social media. Take a minute to visit our Facebook page at www.facebook. com/MichiganRetailers. Post on our wall things that are happening with your business and community, because we would love to share your news with our followers. Email Do we have your current email address? We only send helpful news and information via email. We never sell or share our list with others.
Purchase a 5-draw Club Keno ticket with the Kicker and The Jack, get a 6th consecutive draw free on the same ticket. Offer valid on 5-draw tickets only. All wager amounts per draw are eligible. The Club Keno mark is a registered trademark of GTECH Corporation. Overall odds of winning Club Keno are from 1 in 4 to 1 in 17. Overall odds of winning The Jack: 1 in 9.77. Overall odds of a Kicker number being 2 or higher: 1 in 1.67. If you bet more than you can afford to lose, you’ve got a problem. Call 1-800-270-7117 for confidential help.