NM | NM Dealer Insight | May 2019 by NIADA

T H E O F F I C I A L M A G A Z I N E O F N E W M E X I C O I N D E P E N D E N T A U T O M O B I L E D E A L E R S A S S O C I AT I O N

DEALER

M AY/J U N E 2 019

INSIGHT

DALLAS, TEXAS Permit No. 2079

PAID

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VISIT US AT W W W.NMIADA.COM

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MAY/JUNE INSIDE

2019

05................ Make Phone Tag a Thing of the Past 06......................................3 Hurdles to VSC Sales 08...................... Reducing Crime in Albuquerque 09..........................................................Carlawyer 14..................................... Scholarship Recipients 18.......................NMIADA Dental Benefit Program

Advertisers Index

ACV Auctions................................................... IBC BacklotCars......................................................IFC Lobel Financial.................................................... 3 Manheim ............................................................. 11 NextGear Capital ............................................ 8-9 vAuto................................................... Back Cover Warrantech.......................................................... 7 

WHAT’S NEW

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LIVE WEBCAST OF WAAC M AY 1 0 O N N I A DA .T V Catch all the exciting competition from the World Auto Auctioneer Championship! Auctioneers and ringmen from across the country will vie for the top titles and you don’t want to miss it. Tune in to NIADA.tv on May 10 for the free live webcast.



OFFICE

New Mexico Independent Automobile Dealers Association 604 Chama NE • Albuquerque, NM 87108 Phone: 505.232.0809 • Fax: 505.232.0810 email:marc@nmiada.com website: www.nmiada.com

NIADA HEADQUARTERS

NATIONAL INDEPENDENT AUTOMOBILE DEALERS ASSOCIATION WWW.NIADA.COM • WWW.NIADA.TV 2521 BROWN BLVD. • ARLINGTON, TX 76006-5203 PHONE (817) 640-3838

For advertising information contact: Troy Graff (800) 682-3837 or troy@niada.com. NM Dealer Insight is published bimonthly by the National Independent Automobile Dealers Association Services Corporation. 2521 Brown Blvd., Arlington, TX 76006-5203. POSTMASTER: Send address changes to NIADA State Publications, 2521 Brown Blvd., Arlington, TX 76006-5203. The statements and opinions expressed herein are those of the authors and do not necessarily represent the views of NMIADA or NIADA. Likewise, the appearance of advertisers, or their identification as members of NIADA, does not constitute an endorsement of the products or services featured. Copyright © 2019 by NIADA Services, Inc.

STATE MAGAZINE MGR./SALES Troy Graff • troy@niada.com EDITORS Jacinda Timmerman • jacinda@niada.com Andy Friedlander • andy@niada.com MAGAZINE LAYOUT Jeffrey McQuirk • jeffrey@niada.com PRINTING Nieman Printing

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BOARD MEMBERS CHAIRMAN

James Santistevan Zia Auto Wholesaler LLC 4913 Menaul Blvd NE Albuquerque, NM 87110 (505) 889-9653 ziawhsl@cs.com

PRESIDENT

Robert Martinez ABQ Auto Deals, LLC 169 Griegos NW Albuquerque, NM 87107 (505) 554-2428 Rob@abqautodeals.com

VICE PRESIDENT

Luis Soto Sun City Motors 8504 Central Ave SE Albuquerque, NM 87108 (505) 256-1200 suncitymotors@yahoo.com

TREASURER

Jeda Craddick Auto Solution 5200 Alameda Blvd NE Albuquerque, NM 87113 (505) 856-6252 jeda@autosolutionnm.com

EXECUTIVE DIRECTOR Marc Powell marc@nmiada.com

DIRECTOR OF SPECIAL PROJECTS

Victor E. Saenz 604 Chama St NE Albuquerque NM 87108 505-232-0809

COMMUNICATION & POLICY DIRECTOR Adelina Torres adelina@nmiada.com 505-232-0809

DEALER BOARD MEMBERS

Roger Barkoff Affordable Auto Sales 4525 Lomas Blvd. NE Albuquerque, NM 87110 (505) 266-2886 affordableauto@hotmail.com Chris Rangel Hiwest Auto Sales Inc 5901 W. Main St Farmington, NM 87401 (505) 324-8878 Leo Doyal Greenlight Auto Sales 7500 Lomas Blvd NE Albuquerque, NM 87110 (505) 200-2664 leo@greenlightautonm.com

ASSOCIATE BOARD

MEMBERS

Susan Wheeler Automotive Finance Corp – New Mexico (505) 244-3828 www.afcdealer.com Maxine Vega Manheim New Mexico (505) 242-9191 www.publish.manheim.com/ en/locations/us-locations/manheim-new-mexico.html

Mike Godin Godin Dealer Services (505) 881-8700

www.godindealerservices.com

Julio Lopez

TexCap Financial (214) 446-0597 http://texcapfinancial.com

MAKE PHONE TAG A THING OF THE PAST

MARKETING MATTERS

| By Christopher Leedom

OPTIMIZE COMMUNICATION WITH SMS

How many of you are frustrated by the volume of voicemail – both left and received – during the average workday? Whether it is for sales, service or collections, your staff leaves dozens, if not hundreds, of voicemails every day. It has probably become one of the biggest drains of productivity and labor – though nevertheless necessary – until now. Do I have you scratching your head a bit? First, let me issue a challenge. Identify one employee in your dealership or finance company that interacts with your customer base on a daily basis – for instance, a salesperson, collector or service advisor. Next, identify 20 customers you need to communicate with that particular day. If you are a working with a collector, pick 20 accounts that just became delinquent. If you are in sales, pick 20 customers that need follow up. Take 10 of these customers and send them an SMS message initiating communication with them. Sales, service, or collections – it doesn’t matter. Call the other 10 customers, leaving a voicemail initiating communication if you don’t reach them. By the time you get done calling the 10 “phone call” customers, chances are 50 percent

of the SMS customers will have already texted you back! Why? Because 93 percent of SMS messages are read within 10 minutes and a return text is usually sent within 20 minutes. How does that compare to the voicemails? It’s no contest. You probably will connect with two or maybe three of the outbound phone calls and will likely leave seven or eight voicemails. I have observed this exercise with countless operations. Our organization has worked with thousands of dealers and finance companies over the past 20 years. When we started Textmaxx Pro four years ago, I could not have predicted the impact on productivity. We see it not just in the auto space, but across virtually every industry we serve. In today’s world everyone returns an SMS message well before returning a voicemail. There are countless studies that prove this. So how do you optimize your SMS messaging strategy? First, think of it the same as your phone system. You need a tool that is proprietary and resident to your business that will serve your SMS communication needs, and ensure compliance. I hear too many dealers say, “My employees are really good at texting – they use their

personal phones.” I cringe. Think about it, would you utilize your salesperson’s personal phone number when advertising on the web or in television commercials? Would you give each employee a copy of their entire CRM activity when they leave your dealership to work elsewhere? That is precisely what you are doing if you do not have a product that allows you to store, monitor and control all SMS activity. It doesn’t matter whether it is sales or collections. You need to retain and control those conversations for a host of reasons, not the least of which is compliance – but that is a topic for an entire article itself. If you want to eliminate – or at least greatly reduce – the wasted time and effort of phone tag, implement a well thought out customer contact strategy where SMS communication is your first form of communication. You will be amazed at the impact it will have on employee productivity. It is an incredibly effective way to communicate with your customers. In my opinion, it is even more effective in collections or service, where you already have a relationship with the customer. Studies show SMS messaging to be the preferred method of communication of most customers, across virtually every demographic. It is hands down the most efficient mode for just about every conversation. Chris Leedom is the CEO and founder of the Leedom Group. The Leedom Group includes Textmaxx Pro, a complete SMS messaging solution for small to medium businesses with a custom design for the automotive industry. You may reach Chris at chris@leedomgroup.com.

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ACCELERATE | By GWC Warranty

3 HURDLES TO VSC SALES

HOW

CLEAR

THEM

The numbers are in. Consumers have spoken. There are three main reasons customers don’t protect themselves with service contract coverage. The good news is dealers can easily clear these hurdles with the right program in place. A study recently released by Pegasystems surveyed more than 1,000 consumers to understand whether or not they saw value in service contract coverage and what stops customers from purchasing a VSC with their vehicles. Overall, the study found 63 percent of customers do not have a service contract despite seeing the value in one. Why is this? Let’s dive into what stops customers from buying a VSC and how you can overcome those obstacles. Cost Thirty-five percent of customers say

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they can’t afford a service contract. But when you compare the small increase in monthly payment to what a major repair could do to a tight monthly budget, it’s easy to see which scenario is easier to withstand. With so many used car buyers on tight monthly budgets, a service contract’s monthly investment can easily pay off in the long run. Not Thinking They Need One Thirty-two percent customers think they’ll never encounter the need for a service contract, but trends say otherwise. A simple question of how long the customer plans on owning the vehicle he or she is purchasing is just what you need to clear this hurdle. With the average length of ownership on the rise, chances are your customers will be in their vehicles for a long time. Used cars are inherently more likely to break down, especially as they approach

and surpass 100,000 miles, making it more likely than ever a customer will need a VSC at some point during his or her ownership. Lack of Availability at the Time of Purchase To solve for the 29 percent of customers who aren’t offered a VSC at the time of purchase, all you have to do is turn to the 300 percent rule. The first step is having a service contract provider that offers the product versatility – from both a vehicle and term perspective – that fits your inventory. Once that’s in place, it’s vital you present 100 percent of your products to 100 percent of your customers 100 percent of the time. You’ll never bat 1.000, but you’ll get better at your presentation as you continue to get real-world practice and you’ll inevitably see the results in your F&I profits.

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LEGAL MATTERS

| By Adelina Torres

REDUCING CRIME IN ALBUQUERQUE

RAUL

TORREZ

We constantly hear about the many cases of auto theft and vandalism in Albuquerque. At NMIADA we’ve had an influx of calls from many frustrated auto dealers who have been targeted and, unfortunately, it’s not a one-time incident for some. One man has taken on a mission to bring auto theft and other crime down in Albuquerque with remarkable dedication. District attorney Raul Torrez recently reported a unit of 10 prosecutors who had been focusing on stolen car cases has now taken on other crime investigations due to the decrease in auto theft. Over the past two years Albuquerque had the highest per-capita rate of auto theft in the country. In 2017, Albuquerque reported nearly 10,000 cases, three times as many as Anchorage, Alaska, which came in second that year. According to the Albuquerque 2018 Progress Report released March 10, auto thefts and burglaries are down by almost one-third. This contrasts with the years between 2010 and 2016, when crime multiplied rapidly, according the district attorney’s office. The positive results seen in the metro

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area have been because of the success at securing high profile auto theft convictions by the dedicated prosecution unit DA Torrez brought together a little over a year ago. “It had become a dominant narrative about our community, and it was just something that I thought we could solve if we surged those resources to it and we had some specialists,” Torrez said. Torrez also mentioned the city would see the car theft ranking drop dramatically by the end of the year. At the Economic Forum of Albuquerque meeting on March 12, Torrez told the local business and community leaders, “It’s a signal to the community that while we’re not out of the woods yet and we have a long way to go, we’re making substantial progress.” With DA Raul Torrez’s passion and relentless determination to lower the crime rate, NMIADA strongly supports his efforts. Please contact us if you have been a victim of crime so we can assist in holding the city accountable. Contact us at (505) 232-0809 or info@ nmiada.com. Adelina Torres is director of communications at NMIADA.

THE CARLAWYER LEGAL UPDATE | By Thomas B. Hudson and Nicole Frush Munro

KEEPING YOU INFORMED WITH THE LATEST GOVERNMENTAL ISSUES AND ACTIVITY IN THE USED CAR INDUSTRY Here’s our monthly article on legal developments in the auto sales, finance and leasing world. This month, the action involves only the Consumer Financial Protection Bureau. As usual, this month’s article features our “Case of the Month” and our “Compliance Tip.” Note this column does not offer legal advice. Always check with your lawyer to learn how what we report might apply to you, or if you have questions. FEDERAL DEVELOPMENTS Report card time for the CFPB: On February 12, the CFPB released its semi-annual report to Congress covering the bureau’s activities from April 1 to September 30, 2018. This is the first such report issued under Kathleen Kraninger’s term as director of the Bureau. One of the topics included in the report is the CFPB’s analysis of complaints received. Credit/consumer reporting and debt collection were the most complained-about consumer financial products and services at 37 percent and 25 percent, respectively. Only 3 percent of the complaints received during the period concerned vehicle financing or leasing, while

only 0.2 percent of the complaints concerned title loans. The CFPB is rethinking parts of its payday, vehicle title, and certain high-cost installment loans rule: On February 6, the CFPB proposed a rule that would rescind various provisions of its November 2017 Final Rule governing Payday, Vehicle Title, and Certain High-Cost Installment Loans (“2017 Final Rule”). The bureau proposed to rescind the 2017 Final Rule’s ability to repay and underwriting requirements to increase consumer access to credit. The bureau also proposed to rescind certain exemptions, definitions, reporting, and recordkeeping requirements related to those ability to repay and underwriting provisions. This proposal is related to another proposal, published separately, seeking comment on whether the bureau should delay the August 19, 2019, compliance date for these portions of the 2017 Final Rule by 15 months to November 19, 2020. But it’s also providing guidance on the rule’s payment provisions: On February 20, the bureau published its first small entity compliance guide on the 2017 Final Rule,

which provides information to assist the industry in implementing the payment-related requirements of the rule, including prohibited payment transfer attempts and disclosure of payment transfer attempts. The guide also summarizes the 2017 Final Rule’s general provisions and its record retention and compliance program requirements as they relate to payment provisions. CASE OF THE MONTH After a dealership bought a new pickup truck from another dealership, it discovered the long block engine was defective and replaced it with a new one supplied by the truck’s manufacturer for a total cost of $5,800. The dealership then sold the truck for $73,901 to a buyer, who traded it in at a different dealership six months later for $50,000. The buyer later discovered the truck’s engine block had been replaced under warranty. The buyer sued the dealership for, among other things, violating the Ohio Consumer Sales Practices Act. The dealership served a $1,800 offer to cure on the buyer’s attorney, but the buyer rejected ► CONTINUED ON PAGE 10

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► CONTINUED FROM PAGE 09

the offer. The buyer moved for summary judgment on the issue of liability, and the trial court granted the motion, finding the dealership violated Ohio law by not disclosing to the buyer, before his purchase, the factoryinstalled engine was defective and had been replaced under warranty. In a separate hearing on damages, a magistrate found the buyer was entitled to $2,659 in actual damages, trebled to $7,978, and noneconomic damages of $500. In another hearing, the magistrate awarded the buyer attorneys’ fees of $23,845 and filing fees and costs of $2,035. The trial court adopted the magistrate’s determination on damages, attorneys’ fees, and costs. The dealership appealed, claiming the trial court erred in determining it was required to disclose repaired defects, in applying an improper measure of actual and noneconomic damages, in awarding attorneys’ fees, and in awarding excessive costs. The Court of Appeals of Ohio affirmed in part and reversed in part. Ohio law provides it is a deceptive and unfair act or practice for a vehicle dealer to fail to disclose, prior to obtaining a sale contract, “any defect and/ or the extent of any previous damage to such vehicle, retail repair cost of which exceeds or exceeded six percent of the manufacturer’s suggested retail price, excluding damage to glass, tires, and bumpers where replaced by identical manufacturer’s original equipment.” The dealership claimed this regulation only requires it to disclose existing defects, not previously repaired defects, but the appellate court disagreed and affirmed the trial court on this issue. The appellate court found the language of the rule made clear the phrase “retail repair cost of which exceeds or exceeded six percent of the manufacturer’s suggested retail price” applied equally to “defect” and “previous damage” and required disclosure of repaired defects. In addition, the appellate court determined that use of the term “any” before “defect” makes clear that all defects must be disclosed if the repair cost exceeds or exceeded the 6

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percent threshold. However, the appellate court reversed the trial court regarding its awards of damages, fees, and costs. During the damages hearing, the buyer sought, and was awarded, reliance damages, which “reimburse the non-

breaching party for expenditures made in performing the contract,” comprised of the amount of his down payment and the negative equity he incurred on his trade-in when he bought the truck from the dealership. The appellate court noted that reliance damages are associated with rescission of a contract, yet the buyer could not seek rescission because he no longer owned the truck at the time of the damages hearing. Therefore, the appellate court concluded the trial court’s measure of damages was incorrect and remanded the case to the trial court to award mandatory statutory damages of $200 available under the CSPA. In addition, the appellate court found the buyer was not entitled to $500 in noneconomic damages for mental anguish or emotional distress because he did not prove, at the damages hearing, the dealership acted maliciously or intentionally. Similarly,

the appellate court found the buyer was not entitled to attorneys’ fees because he did not prove at the damages hearing the dealership “knowingly committed” an act or practice that violated the CSPA. Finally, the appellate court addressed the dealership’s appeal of the filing fees and costs that the trial court awarded to the dealership. State law precludes a consumer from recovering treble damages, court costs, and attorneys’ fees incurred after a consumer receives an offer to cure if the offer is rejected and the consumer’s actual damages award is less than the offer. Because the buyer’s $200 in economic damages were less than the amount presented in the dealership’s offer to cure, the appellate court remanded the award of filing fees and costs to the trial court for a determination of the court costs the buyer incurred before his attorney received the cure letter from the dealership. THIS MONTH’S CARLAWYER COMPLIANCE TIP The case of the month deals with selling cars that have been subject to damage, which raises a question or two. Does your dealership have a policy regarding such sales? Has it been reviewed by counsel to assure it complies with law? Have your employees been trained to understand what the policy is and how it works? Perhaps, once again, it’s lawyer time? See Averback v. Montrose Ford, Inc., 2019 Ohio App. LEXIS 384 (Ohio App. February 8, 2019). So, there’s this month’s roundup! Stay legal, and we’ll see you next month. Tom (thudson@hudco.com) is of counsel and Nikki (nmunro@hudco.com) is a partner in the law firm of Hudson Cook, LLP. Tom has written several books and is the publisher of Spot Delivery, a monthly legal newsletter for auto dealers. He is the CEO of CounselorLibrary.com, LLC and the editor in chief of CARLAW, a monthly report of legal developments for the auto finance and leasing industry. Nikki is a contributing author to the F&I Legal Desk Book and frequently writes for Spot Delivery. For information, visit www.counselorlibrary.com. For information, visit www.counselorlibrary.com. © CounselorLibrary.com 2019, all rights reserved. Single publication rights only, to the Association.. HC4838-4158-4521.1.

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ASSOCIATION NEWS

SCHOLARSHIP WINNERS

CONGRATULATIONS!

CASSANDRA MUNIZ is the younger sister of Stephanie Muniz of Richie’s Auto Wholesale, a NMIADA member. Cassandra is a recent graduate of Albuquerque High School’s bilingual program with a 3.8 GPA. She is currently a freshman at CNM.

SAGE WILKS is the daughter of NMIADA member Kay Wilks of Kay’s RV in Moriarty. Sage graduated from Moriarty High School with a 4.01 GPA. While in high school, she was a dual student at CNM and UNM. Sage is currently a freshman at New Mexico State University.

Congratulations to the following NMIADA scholarship winners!

CALEB WISEMAN is the son of NMIADA members James and Mimi Wiseman, owners of JW Wheels in Albuquerque. After high school, Caleb completed almost a year of college at CNM, spent three semesters at UNM and is currently pursuing a degree in Worship Arts at Grand Canyon University.

JULIETA CARRILLO is the daughter of NMIADA member Gabino Carrillo, owner of Carrillo’s Auto Sales in Albuquerque. Julieta was valedictorian of her high school class and maintained a 4.1 GPA while a student at UNM. She is now a first year student at ASU Law School.

ALANA LOVATO is the daughter of NMIADA members Felicia and Shaun Richesin, owners of A-Quality Auto Sales in Albuquerque. Alana graduated from Cibola High School as a member of the National Honor Society. She is currently a 3.6 GPA student at the University of New Mexico, where she is studying to become a doctor.

NMIADA AUCTION DIRECTORY 2019 ALBUQUERQUE

FARMINGTON

ONLINE AUCTIONS

Copart New Mexico 7705 Broadway SE Albuquerque, NM 87105 (505) 877-2424 www.co part.com/locations/ albuquerque-nm-75/

Farmington Auto Auction 1661 W. Murray Dr. Farmington, NM 87401 (505) 326-1005 farmingtonautoauction.com

ACV Auctions - NEW www.acvauctions.com SAVE: $350

Insurance Auto Auction 4400 Broadway Blvd SE Albuquerque, NM 87105 (505) 873-2081 www.iaai.com/auctions/ branchlistingview.aspx? branchcode=140 Manheim New Mexico 3411 Broadway Blvd SE Albuquerque, NM 87105 (505) 242-9191 publish.manheim.com/en/ locations/us-locations/ manheim-new-mexico.html

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MOBILE AUCTION Texas Lone Star Auto Auction Lubbock 2706 E Slaton Rd Lubbock, TX 79404 lsaalubbock.com/location/ SAVE: $250 Stay tuned for their mobile auction in New Mexico!

BacklotCars - NEW

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Dealers Members A to Z Autos LLC ABQ Autoworks LLC Acme Towing & Recovery Inc Albuquerque Auto Outlet Auto Locators Inc Auto Station LLC AutoMax Barnettâ&#x20AC;&#x2122;s Las Cruces Harley-Davidson Becker Automotive, LLC Best Buy Auto Sales Inc. dba Car Country Car Pros Carlsbad Small Engine CarMax Cars Plus Casa Esperanza Endowment Foundation Circle S Feed Store LLC Creative Bus Sales INC

Credit Express-Waterflow Detail Auto Sales Don Reeves Auto Center EGI Baja CO Elmers Used Cars EM Auto Sales Eze's Auto Sales Farmington RV Sales, Inc Franciscan RV Inc Fuentes Auto Sales Fulton Motors Grants Auto Sales Inc Ideal Auto Sales (Clovis) J & M Discount Towing LLC JQ Sales Kays RV LLC KC Sales, LLC La Mesa RV Center Lobos Auto Sales LLC

Mark's Casa Menaul Auto Sales, Mi Amigo Auto Sale Mida's Auto Sales In Navajo Tractor Sales NewMexicoAutosDi Orion Auto Sales Otero Auto Dealersh Perfection on Acade Quality Auto Sales L Red Hot Car Lot LLC Reese's Car Connecti Roswell Cars Silverado Auto & Tru SQ Auto Sales Start to Finish Auto Sun City Motors Tedson Trailer & Eq Tough Trucks LLC

Associate Members BirdEye David Tulkin 250 Cambridge Ave Palo Alto, CA 94306 https://birdeye.com/automotive/? utm_source=bdlead&utm_campaign=asso ciation&utm_term=NMIADA Clearent LLC 222 S. Central Ave Suite 700 Clayton, MO 63105 http://www.clearent.com Copart Auto Auctions 7705 Broadway SE Albuquerque, NM 87105 https://www.copart.com/locations/ albuquerque-nm-75/ Econolend New Mexico LLC 2521 San Pedro Dr NE Suite F Albuquerque, NM 87110 https://econolendfinance.com/index.html

Farmington Auto Auction Inc 1661 W. Murray Dr Farmington, NM 87401 http://farmingtonautoauction.com/

Insurance Auto Auction 4400 Broadway Blvd SE Albuquerque, NM 87105 https://www.iaai.com/auctions/ branchlistingview.aspx?branchcode=140 Lobel Financial 1700 Louisiana Blvd NE Suite 250 Albuquerque, NM 87110 http://www.lobelfinancial.com

Mr. B's Auto Ins 1410 Valencia Dr Albuquerque, NM http://www.MrB

Tooter Cosper In 3939 Corrales Rd Corrales, NM 87 https:// www.tootercosp

Vehicle Accepta 4222 E Thomas R Phoenix, AZ 8501 https://www.vac

Williams and Sta Agency, Inc. 6549 N. Wickham Unit 101 Melbourne, FL 3 http://www.wsin

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NMIADAâ&#x20AC;&#x2122;slist listofofMember Member Benefits Benefits now NMIADAâ&#x20AC;&#x2122;s now includes includesthe theDental DentalBenefit Benefit Programoffered offeredby byover over100 100 Independent Independent Dentists Program Dentistsacross acrossNM. NM. As a member of the New Mexico Independent Auto Dealers Association, you and any dependents now have access to a

As a member of the New Mexico Independent Auto Dealers Association, you and any dependents now have access to a free dental benefit through the independent dental community in New Mexico. The Program includes an averaged 20% free dental benefit through the independent dental community in New Mexico. The Program includes an averaged 20% discount on dental procedures, including specialty care and NO monthly premiums. discount on dental procedures, including specialty care and NO monthly premiums.

Enroll today in 3 easy steps to receive your Patient ID# and start saving.

> STEP 1

> STEP Go to1 www.DentalBenefitProgram.com and click on: Go to www.DentalBenefitProgram.com and click on:

> STEP 2

NMIADA > STEP 2 Members call for Group ID# in order to finish the enrollment process to obtain your Patient ID#

and receive your Benefit email address is required to enroll. Please callto 1-888-397-6453 with any NMIADA Members call for Card. GroupAnID# in order to finish the enrollment process obtain your Patient ID# questions. and receive your Benefit Card. An email address is required to enroll. Please call 1-888-397-6453 with any >questions. STEP 3

Use Group > STEP 3 ID# and your new Patient ID# to login, search for participating dentists and view the discounted

fees. Call a participating dentist directly to make an appointment. Show your Group ID# and Patient ID# at

Use Group ID# and your new Patient ID# to login, search for participating dentists and view the discounted any participating provider. fees. Call a participating dentist directly to make an appointment. Show your Group ID# and Patient ID# at Qualified Patients with high deductible health insurance can open a HealthEquity Health Savings Account any participating provider. through the Program, minimizing taxable income and save for anything dental or medical. Qualified Patients with high deductible health insurance can open a HealthEquity Health Savings Account through the Program, minimizing taxable income and save for anything dental or medical.

The Dental Benefit Program is not only cost effective but eliminates all the headaches associated with traditional dental insurance such as; deductibles, co-payments, waiting periods and annual maximum benefit limitations.

www.DentalBenefitProgram.com

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