Leaderboard BannerBANNER SIZE:

728 X 90Can be static JPEG or animated GIF.

ONLY $600 / MonthMinimum 6 month run.

Exclusive Banner UnitsBANNER SIZE:

200 X 200Can be static JPEG or animated GIF.

ONLY $400 / MonthDepending on Placement

Minimum 6 month run.

Banner Units BANNER SIZE:

200 X 90Can be static JPEG or animated GIF.

$250 / MONTHMinimum 6 month run.

Footer Banner UnitsDisplayed at the bottom of all website pages

BANNER SIZE:200 X 90

Can be static JPEG or animated GIF.$200 / MONTH

(16,000+ impressions monthly.)

NABD Online Advertising Rates

$600 4 available

$400 4 available

$250 per month

$200 each

To Advertise, Call Joe Kearse or Reginald Allen at

(832) 767-4759

Reach a very targeted and verified BHPH Dealer Owner email database of over 14,000 contacts with your email marketing content. Participating companies will receive a full tracking report and lead lists of all contacts that have interacted with the email campaign, including email opens and click-tracking. These reports and lists are generated and provided to you one week following your distribution date. These hot lead lists contain complete contact and company information (emails not included) for follow-up by your sales teams.

To Advertise, Call Joe Kearse or Reginald Allen at (832) 767-4759

NABD Partner Email Marketing Campaigns

Artwork: NABD requires clients to submit the email campaign creative (HTML and subject head

of the email) one week prior to your scheduled distribution date. If client does not submit artwork prior to the day of the scheduled email, the client forfeits their email campaign date and is still responsible for payment. If client needs to re-schedule, client must notify NABD at least one week in advance of the scheduled distribution date and efforts will be made to re-schedule depending on availability.

• Audience - 14,000 BHPH Dealer Owner Contacts• Average Email Open Rate – 14%• Distribution Dates- every Tuesday and Thursday (104 available email campaign dates yearly)

Cost: $2,000 per email campaign

BHPH Dealer Magazine Information

Full Page $2,200 2/3 Page $1,950 Half Page $1,600 1/3 Page $1,150

• BHPH DEALER is the official bi-monthly publication targeted specifically for BHPH dealers nationwide.

• BHPH DEALER is a bi-monthly magazine, published on the even months of the year.

• BHPH DEALER is distributed to over 12,000 verified BHPH specific dealers & subscribers.

• BHPH DEALER magazine content provides used vehicle professionals with timely, informative industry news, analysis and expert advice empowering BHPH dealers with the knowledge and expertise necessary to operate their businesses more profitably and efficiently.

• BHPH DEALER will include real strategies, market analysis and tools to help the BHPH dealer community maximize the performance and profitability of their dealerships.

• BHPH DEALER focuses on the financial interests of used vehicle dealers, both franchised and independent. Our magazine has a special focus on the BHPH, subprime and specialty finance segments of a $345 billion a year industry.

M A G A Z I N EPOWERED BY

T H E O F F I C I A L N I A D A P R E M I E R S U B P R I M E A U T O R E S O U R C E • J U N E 2 0 1 9

BENCHMARKISSUE

SPECIAL

| PAGES 16 - 22 |

ByriderFranchise.com

SEE US AT

BOOTH# 626

NIADA.Corner.Ad.indd 1 4/25/19 4:32 PM

JUNE 2019 ← BHPH DEALER 17

2018

2018

2017

2017

2016

2016

Advertising Bank Charges Contributions Depreciation Dues and Subscriptions Insurance Legal and Accounting Outside Services Office Expense Rent Repairs and Maintenance Salaries (Non-Owners) Taxes - General Other Operating Expense Taxes - Payroll Utilities and Telephone Travel / Training TOTAL OPERATING EXPENSE

LOSS STATISTICS 2016-2018 (STATISTICS SUPPLIED BY SUBPRIME ANALYTICS)

TOTAL OPERATING EXPENSE

WHAT’S AHEAD FOR 2019?Although 2018 was a challenging and competitive year,

new profit opportunities are ahead for independents in

2019 as follows:1) Although capital availability for subprime auto remains

challenging, competition from finance companies and

captives will decline as they shift to higher credit

quality customers. This creates an excellent

opportunity for independents to regain market

share if they have capital available to fund the growth.

2) New car prices coupled with higher interest rates

make new vehicles unaffordable to many customers.

This should result in an increase in used

car sales for 2019.3) Cash efficient business models continue to provide

higher returns on portfolio investments and reduce

portfolio risk and the need for additional capital.

4) Customer relationships are needed to regain and to

retain the best subprime customers. Operators who

proactively use social media to connect and collect

with subprime customers will do better. Subprime

operators can no longer rely on tax refund business to

regain lost market share.5) In order to control operating costs, implementing new

technology to improve efficiencies is recommended.

The biggest historical BHPH “game changers” have

been pay portals (ACH, debit cards, etc.), GPS that

improves recoveries and collections, and the use of

related finance companies to reduce federal income

taxes on “phantom income”. Texting and the increased

evolution of social media are the best prospects for the

future.6) As congress enacts changes at the CFPB, compliance

remains very important. The state attorneys general

have become the new enforcers as the CFPB transfers

its enforcement power to them.7) Competition for the best subprime customers has

diluted their overall credit quality. Therefore, a better

matching of customer income with the cost of the

vehicle and its operating expense is needed to keep the

subprime vehicles sold.8) While used car values remained relatively stable in

2018, further declines should be expected in later

model inventory as off lease and off rental vehicles

remain in abundant supply.9) The subprime leasing model has merit in states where

compliance rules favor it. However, very limited

capital availability, differing state compliance, limited

software options, and the lack of secondary markets

continue to limit leasing opportunities. Our metrics

indicate higher recoveries are possible with the leasing

business model. Operators must educate themselves on new market

developments and market changes, the latest technology,

enforcement actions, and capital market availability to

prosper on the opportunities ahead. The best way to

“accelerate your success” is to attend the NIADA/NABD

Convention and Expo in Las Vegas on June 17-20, 2019.

KEN SHILSON (KEN@KENSHILSON.COM) IS PRESIDENT

OF SUBPRIME ANALYTICS (WWW.SUBANALYTICS.COM)

AND NABD (WWW.BHPHINFO.COM).

COST OF VEHICLE SALES 2016-2018 Cost of Vehicles Reconditioning Costs

Other TOTAL COST OF VEHICLE SALES

% OF VEHICLE SALES

COST OF GOODS SOLD AND

OPERATING EXPENSE DETAIL

THE ABOVE REFERENCED LOSS DATA WAS DETERMINED BY ELECTRONICALLY ANALYZING APPROXIMATELY 1.7 MILLION LOANS,

AGGREGATING APPROXIMATELY $15 BILLION, TO IDENTIFY LOSS RATES AND TO UNDERSTAND WHY THEY OCCURRED.

(FINANCIAL STATISTICS SUPPLIED BY SGC CERTIFIED PUBLIC ACCOUNTANTS)

Average Gross Dollar Loss (Before Recoveries)Average Net Dollar Loss (After Recoveries)

Average Default Rate (% of Loans Written Off)

Average Gross Dollar Loss Rate (% of Principal)

Average Net Dollar Loss Rate (% of Principal)

Average Recovery (% of Principal Charged off)

Highest Cumulative Default (Month After Origination)

Highest Frequency of Default (Month After Origination)

Worst Periodic Loss (Month After Origination)

3.74 % 0.17 % 0.03 % 0.49 % 0.15 % 0.31 % 0.24 % 0.79 % 0.79 % 2.28 % 0.15 % 11.97 % 0.09 % 0.16 % 0.51 % 0.59 % 0.33 % 22.79 %

BHPH BENCHMARKS

49.24 % 8.39 % 3.13 % 60.76 %

$ 7,771 $ 5,916 33.96 % 38.76 % 28.42 % 23.87 %22nd Month7th MonthFebruary

3.53 % 0.17 % 0.03 % 0.43 % 0.21 % 0.39 % 0.22 % 0.46 % 0.76 % 2.09 % 0.31 % 11.00 % 0.12 % 0.06 % 0.50 % 0.41 % 0.31 % 21.00 %

BHPH BENCHMARKS

49.47 % 7.87 % 2.66 % 60.00 %

$ 9,175$ 7,034 34.97 % 40.66 % 29.29 % 23.33 %22nd Month7th MonthFebruary

3.29 % 0.23 % 0.02 % 0.34 % 0.19 % 0.38 % 0.48 % 0.24 % 0.77 % 2.13 % 0.27 % 10.11 % 0.10 % 0.05 % 0.72 % 0.39 % 0.29 % 20.00 %

49.81 % 8.53 % 2.66 % 61.00 %

BHPH BENCHMARKS LHPH BENCHMARKS $ 8,910$ 7,033 35.58 % 39.56 % 27.34 % 21.07 %22nd Month8th MonthFebruary

$ 10,555$ 6,197 32.87 % 32.72 % 22.20 % 41.29 %22nd Month5th MonthFebruary

20162017

20182018

2 0 1 8 Y E A R I N R E V I E W | 2018 BHPH INDUSTRY BENCHMARKS | BY KENNETH SHILSON

BHPH_0619.indd 17

5/17/19 11:45 AM

BHPH Corner Cover Package: $4,000 includes exclusive corner cover ad, full page ad & adjoining full page advertorial/editorial column. (750-800 words)

2020 BHPH DEALER MAGAZINE DISPLAY AD RATES

2020 AD SPACE RESERVATION & ARTWORK DEADLINES

February 12/20/2019 1/3/2020 April 2/21 2/27 June 4/20 4/27 August 6/19 6/26 October 8/21 8/28 December 10/22 10/29

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AD MATERIALS All measurements in inches, width by height. Keep all text and logos in live area.

High resolution PDF formatted ads are preferred and can either be e-mailed to your advertising representative or mailed on CD to the NIADA. Advertiser may also place artwork on our FTP site. Contact your advertising representative for FTP site instructions.

Image ResolutionsPlease make sure the entire file is high resolution and that all images within the ad are 300 dots per inch (D.P.I.) Ads and images that are not to specs will be sent back to the advertiser.

ColorAll spot and four-color ads should be converted to CMYK.

FontsPlease make sure all fonts are outlines in the file before saving to PDF or EPS.

Ad SizeAd sizes must conform to the sizes presented in this media kit. Publisher will not reduce or enlarge ads to fit required space. Incorrect size ads will be sent back to advertiser.

AdvertorialsCopy Regulations Advertorials must include words “Paid Advertisement” prominently on the ad. Used Car Dealer Magazine/State Magazines reserves the right to refuse advertorials based on contents of the material and/or the refusal of the advertiser to include the words “Paid Advertisement” on the advertising piece.

Space Artwork

To Advertise, Call Joe Kearse or Reginald Allen at (832) 767-4759

Advertising / Marketing

Attorney / Legal

Auto Transport

Capital – Floor Plans

Capital Lines of Credit

Capital – Notes

Certified Public Accountants

Collection Training

Dealer Education

Dealer Mgmt. Software

Key Systems

Lead Management

Payment Devices / GPS

Recoveries

Reinsurance / Insurance

Tax Preparation

Trade Publication

Training

Twenty Groups

Vehicle Remarketing

Warranty / Service Contract

Other (please specify) _________________

___________________________________

Displayed under designated category at www.bhphinfo/sponsorsMAX SIZE: 200 X 90Logos must be in a PNG format.URL Link to your web site.Product or service description, (50) words or less.$100 / MONTHMinimum 6 month run.

Platinum SponsorSubprime Analyticshttp://www.subanalytics.com

Subprime Analytics utilizes state-of-the-art data mining and extraction technologyin order to identify loss trends and areas for underwriting improvement. Thisproduct enables us to “drill down” into your portfolio data to evaluate yourunderwriting practices, the vehicles you are selling, and the customers who arebuying your vehicles.Subprime Analytics

Portfolio Analysis

Product or Service Categories

To Advertise, Call Joe Kearse or Reginald Allen at (832) 767-4759

NABD Industry Resources