Philip Zelinger, the President of Ad Agency Online, L.L.C. and host of the automotive advertising resource/networking portal -- http://AdAgencyOnline.Net -- promoted the 2010 NIADA Convention and the TARP Lending Program on his blog talk radio station featured on AdAgencyOnline.Net -- WAAOL, All Automotive Advertising News All The Time. The National Independent Automobile Dealers Association, (NIADA), is hosting their annual convention at Caesar's Palace Hotel and Casino in Las Vegas from June 14th, 2010 through June 17th, 2010. Philip Zelinger will be attending the convention and sitting on a panel discussing social media that is being hosted by Keith Whann, the General Counsel for the NIADA, host of a new auto industry social networking portal -- http://Auttr.Com -- and the originator of the TARP Lending Program -- Together Automotive Retailers Prosper.

Lenders have been invited to present their financial products and services to the auto dealers and automotive advertising agencies that will be in attendance at the NIADA Convention in a special section set aside by Keith Whann to promote his unique version of the TARP program. The TARP lending Program is the brainchild of Auto Industry Expert, Keith Whann. When credit markets were all too tough about a year and one-half ago, Keith, seeing that both dealers and consumers needed capital sources to continue to achieve their goals, sought out lenders that had available capital to service both dealers and consumers. Keith also realized that there were many other potential lenders with available capital that were doing business with franchised dealers only, but could (and should) be doing business with independents. He realized through education, we could help lenders mitigate (or in some cases eliminate) risk. The TARP Lending Program does exactly this; The program brings lenders and dealers together and provides education which helps in the development of strong, long-term lender/dealer relationships.

About The Tarp Lending Program

The first TARP Program was help in Columbus, Ohio in March of 2009. There were about 30 lenders and 250 dealers gathered at the event. Next, the TARP Program went to Orlando, Florida and was held with the NIADA Convention. Other TARP venues include; Columbus, Ohio (October 2009), Philadelphia, PA (November 2009), Orlando, FL (January, 2010), Dallas, TX (March, 2010), Fredericksburg, VA (May, 2010). Over 100 lenders have participated at these events and (by the end of the TARP Program in Las Vegas in June) over 3000 dealers will have found success with the program.

The following lenders have participated in the TARP Events to date:

Participating Lenders from the past 6 TARP Events

AFC AFCD Aimbridge Indirect Lending, LLC Alamo Financial AmeriChoice Federal CU - Former IBM Americo Federal CU AmeriCredit Apex Community FCU AppOne Atlantic Financial Auto Use AUTO USE-THE MILBY GROUP Autobank Financial Services Autofunds.com AUTOMOTIVE CREDIT CORPORATION Belco Community CU Bellco Federal CU Berks Community FCU CANTON FINANCIAL Car Bucks Floor Plan Car Financial Services, Inc CFC Investment Company Chase Custom Finance Citadel FCU COCC Community Credit Union Community Bank Cornerstone FCU Credit Acceptance Corporation Credit Union Direct Lending Credit Union Direct Portfolio Services Cross Valley CU Dealer Funding

Dealer PortFolio Services Dealer Services Corporation Dealer Track Discovery FCU Erie Community CU Erie Federal CU Erie General Electric Federal CU E-Z Dealer Finance FIBER GLASS CREDIT UNION Finance Express FINCO Management First Bank of Ohio FIRST-KNOX NATIONAL BANK Flagship Credit Corporation Floor Plans Inc Franklin Oil Regional Globe Acceptance, Inc. GMAC Guardian Finance HUNTINGTON BANK Independent Bank LANCO FCU Laser Finance Lebanon FCU Lydia Cladek MAFS Mongoose Capital Mark-One M-C Federal CU Merck Sharp & Dohme Federal CU Mid-Atlantic Finance Company Morgan Bank National Auto Lenders

Nationwide Acceptance Corporation Nationwide Financial Nicholas Financial Ohio Credit Union League OHIO HEALTHCARE FCU OMNI SERVICE GROUP PAR North America PARKVALE BANK Penn Acceptance Corporation Penn East CU PFS Financial Services Pittsburgh Central Federal CU Preferred Auto Finance Professional Financial Services Corp. PSECU Reliance Federal CU Route One Security Auto Loans - SAL SPE FCU Sterling Credit Sun East FCU SUPREME AUTO FINANCE LLC Susquehanna Valley FCU Thrift Investment Tri-County Federal CU U.S. Small Business Administration United Acceptance, Inc. Vehicle Acceptance Corporation Western Funding, Inc. WESTGATE FINANCIAL Westlake Financial Services Wolters Kluwer Financial Services--AppOne Xpress Finance, Inc.

As of this article, the following lenders intend to participate in the TARP Program at the 2010 NIADA Convention in Las Vegas June, 14th, 2010 through June 17th, 2010:

Americredit, AppOne, AutoFunds.com, AutoUse, Automotive Credit Corporation, Automotive Finance Corporation (AFC), CarBucks Floorplan, Chase Bank, Coastal Credit Corporation, Credit Acceptance, Dealer Services Corporation (DSC), Dealer Track, E-Z Dealer Finance, Finance Express, Globe Acceptance, Manheim Automotive Financial Services (MAFS), Nationwide Acceptance Corporation, Nicholas Financial, Professional Financial Services, RouteOne, Security Auto Loans (SAL), Sterling Credit Corporation, Tidewater Motor Credit, U.S. Small Business Administration (SBA), United Acceptance, Vehicle Acceptance Corporation, Westlake Financial, Western Funding Incorporated (WFI).

Several other lenders that are still under consideration include: Aimbridge Lending Solutions, CAR Financial, Credit Union Direct Lending (CUDL), Consumer Portfolio Services (CPS), Independent Bank, Independent Lending Solutions, Mark-One, Mid-Atlantic Finance Company, PACCO, Preferred Auto Finance, Security National Acceptance Corporation (SNAC), Southern Auto Finance Co., United Auto Credit Corporation.

Lenders considering participating in the TARP Lending Program can visit www.whanntarp.com for additional event details. More information on TARP can also be found on the following links:

http://www.nacsolution.com/index.php?option=com_content&view=ar...

http://auttr.com/blog/tarp-press-release/

http://www.niadatv.com/programs/finance.htm

http://issuu.com/fiada/docs/feb2010issue

http://www.fi-magazine.com/Channel/Certification-Training/News/Stor...

About Keith Whann

Keith Whann, is the founder of the law firm Whann & Associates LLC, located in Dublin, Ohio. Over a career that has spanned 25 years from a beginning as an Assistant Ohio Attorney General in the Consumer Protection Division thru today, as General Counsel of the National Independent Automobile Dealers Association, a co-owner, CEO and General Counsel of the Columbus Fair Auto Auction and The Car Counselor to the motor vehicle industry, Keith has become a leading national authority on motor vehicle and consumer protection issues.

Through the years Keith has had over 1,000 articles published in trade journals across the country and his monthly columns discussing compliance and consumer protection issues and providing legal updates to the industry continue to be favorites of dealers and consumers alike.

Keith has conducted hundreds of seminars across the country and appeared as a featured speaker on a wide variety of topics affecting the industry. He has spoken at conventions and meetings for over 50 national and state motor vehicle industry related trade associations and regulatory agencies dealing with complex automobile industry issues.

At the conclusion of these seminars Keith would end with an open Q&A session. These sessions became so popular (ruining numerous meeting schedules along the way) that he developed "Ask the Car Counselor" to make the Q&A session an event in itself. In 2004, at the suggestion of friends, Keith took the show on the road to 97.1 FM in Amarillo, Texas and The Car Counselor program was born. Unbeknownst at the time, Keith’s two-hour program was one of the first live broadcasts over the Internet.

Since that time, many of Keith's presentations have been filmed and broadcast on the NIADA.TV and Automotive Consumer Television networks, including the seven hour 2005 and 2006 National Dealer Compliance and Profitability Expos (which Keith both developed and moderated) and various presentations at NIADA National Conventions and Regional Education Conferences from 2005 to 2009.

Keith has also developed numerous training and compliance programs for the motor vehicle industry. In 2005, he launched the KeithWhann.com website containing information, a series of tools and various resource materials to assist motor vehicle dealers with business, legal and compliance matters. In 2006, Keith added sections to the site for consumers to answer their questions and provide them with information to assist them in the car buying and ownership processes. Today, audio and video answers to hundreds of dealer and consumer questions appear in the Car Counselor section of the site.

Keith’s latest project finds him as one of the developers of the recently launched www.Auttr.com social media website dedicated to the automotive industry. The site not only allows dealers, consumers and the automotive industry as a whole to network, communicate and share information individually and in groups, but also allows you to search for a vehicle and provides instant access to up to the minute industry news, information and answers to questions in written, audio and video formats, with a few live broadcasts for good measure. Think Facebook, with Twitter capability, the functionality of a MySpace or Linked-in, combined with industry news and information feeds, along with the ability to have a question answered, search for a car or watch and participate in one of Keith’s live broadcasts and - you’ve got Auttr!

In March of 2009 Keith was asked to testify before the House Energy and Commerce Committee’s Subcommittee on Commerce, Trade, and Consumer Protection at a hearing titled, “Consumer Protection in the Used and Subprime Car Market.” Leading up to his testimony, the automobile industry was facing its toughest times in over two decades.

A sluggish economy with sagging auto sales, auto Manufacturers filing for bankruptcy, lenders leaving the automotive sector and consumer bankruptcy rates rising to all time highs were producing a very negative environment in the industry.

As opposed to waiting for something to happen, Keith decided to try and do something to improve what he saw around him. Using the Troubled Asset Relief Program’s “TARP” acronym he created his own TARP: “Together Automotive Retailing Prospers” with a goal of bringing positive, lasting change to the automotive industry one car deal at a time. Over 30 lenders and 300 plus attendees participated in the first TARP Event in March. Over 50 lenders and 900 plus attendees participated at TARP Event at the NIADA Convention in June.

Keith is introducing a new expanded TARP Program. Its mission is to enable capital to flow to car dealers for floor planning of inventory, develop additional finance sources for retail customers, introduce the new NIADA certified vehicle program, enhance and improve dealership F&I processes and teach the keys to a dealer’s online success. And now, Keith will also be unveiling his new “Car Buying IS FUN” Program for consumers teaching them the right way to buy a car. Add it all together, and that’s what the Car Counselor’s TARP is all about!

L.J. Marhefka, the TARP Program Coordinator, suggested that Lenders who want to participate in the Tarp Lending Program and who wish to exhibit at the 2010 NIADA Convention need to get hotel reservations for Caesar's Palace Hotel and Casino. The hotel information can be found at: https://www.harrahs.com/CheckGroupAvailability.do?propCode=CLV&....

The total cost for a lender to exhibit can be under $1999 -- including air fare from most areas with specially negotiated discounts on American Airlines posted on the NIADA website -- for one attendee to fully participate in the TARP Lending Program and the NIADA Annual Convention and Expo. The TARP Lender Table Expo charge is $895. This includes three days of exhibiting in the TARP Area of the NIADA Expo Hall (for layout details, go to: http://sites.google.com/site/tarplasvegas/home), and full registration for one attendee.

One of the greatest benefits of being at the NIADA Convention as a TARP Lender are the Lender Tables. TARP exhibitors have a great position within the Expo Hall and there is very little setup. Registration as an exhibitor includes the draped table, the chairs, and the sign. Lenders simply need to bring something informative that describes your niche to hand out to dealers, and a lead-recording tool.

L.J. suggests that TARP Lender exhibitors should plan on arriving to Vegas on June 15^th and show up at the Lender TARP area by 4:30 and be ready for the kickoff at 5:00 pm. Stay until 9 pm when the Expo closes. Be at the your TARP Table on June 16^th from 11-3 and on June 17^th from 11-2. Head for home on Thursday afternoon, and be back in the office by Friday.

Registration forms are available at -- http://sites.google.com/site/tarplasvegas/lender-forms. Completed forms should be forwarded via fax to Kimberly Cook at NIADA (817-649-5866 or 817-649-5618).

Attendees of the 2009 NIADA Convention were treated to a comprehensive program for TARP hosted by Keith Whann -- known as The Car Counselor -- that covered the following subjects:

THE CAR COUNSELOR'S TARP PROGRAM - 2009 NIADA CONVENTION

Dealership Operations and The Sales Presentation

Review “Compliance Is Not Just A Goal” in the Problem Solved! section on www.KeithWhann.com; watch “Who Says Compliance Can Be Easy?...Me!” in the Compliance section on www.NIADA.tv; check out the Sales Process area in the Car Counselor section of www.KeithWhann.com and Keith’s posts and wires to friends, along with information from various groups and others on www.Auttr.com.

Privacy Notices and Procedures, Safeguards and Disposal Issues

Review the FTC Publication “The FTC’s Privacy Rule and Auto Dealers” in the Toolbox section on www.KeithWhann.com; watch “How to Sell a Car and Keep it Sold” Part 4 in the Operations section on www.NIADA.tv; check out the Operations area in the Car Counselor section of www.KeithWhann.com and Keith’s blog posts and wires to friends, along with information from various groups and others on www.Auttr.com. Also, NIADA Members may contact your State Association to get a free Safeguards Rule Compliance Package.

The Red Flags Rule

Visit the Toolbox section of www.KeithWhann.com and review “Developing Your Dealership’s Written Red Flags Rule Program” and watch the Red Flags Rule education and training on www.NIADA.tv. Check out the Operations area in the Car Counselor section of www.KeithWhann.com and Keith’s blog posts and wires to friends, along with information from various groups and others on www.Auttr.com. Also, NIADA Members be sure to contact your State Association to get your Free Red Flags Rule Compliance Package.

Third Party, Service Provider & Insurance Contracts and Lender Agreements

Review “You Signed The Contract, But Do You Know What It Said” in the Problem Solved! section on www.KeithWhann.com; watch “Who Says Compliance Can Be Easy?...Me!” in the Compliance section on www.NIADA.tv and check out the Sales Process area in the Car Counselor section of www.KeithWhann.com and Keith’s blog posts and wires to friends, along with information from various groups and others on www.Auttr.com.

Dealership Paperwork

Review “Financial Benchmarks Help Protect The Bottom Line, But Compliance Benchmarks Protect It” in the Problem Solved! section on www.KeithWhann.com; watch “A Review Of The Forms In A Motor Vehicle Sale” in the Compliance section and “How To Sell A Car And Keep It Sold” Part 4 in the Operations section on www.NIADA.tv and check out the Paperwork - Documents area in the Car Counselor section of www.KeithWhann.com and Keith’s blog posts and wires to friends, along with information from various groups and others on www.Auttr.com.

Dealership Advertising, Subprime Credit and Dealership Websites

Review “Motor Vehicle Advertising: Getting Back to the Basics” in the Problem Solved! section and “CAR ADS: Reading Between the Lines” in the Toolbox section on www.KeithWhann.com; take a look at the information in the Marketing & Advertising section of www.IndependentDealer.com and check out the Advertising area in the Car Counselor section of www.KeithWhann.com and Keith’s blog posts and wires to friends, along with information from various groups and others on www.Auttr.com.

Warranties, Service Contract Programs, Certified Vehicles and Goodwill Repairs

Review “Service Contract Or Warranty: The Answer Depends On What Your Salespeople Say And How Your Paperwork Reads” and “Wondering If Your Service Contract Program Creates Legal Exposure For Your Dealership?” in the Problem Solved! section and the “Dealer’s Guide To The FTC Used Car Rule” in the Toolbox section on www.KeithWhann.com; watch “Making Sure Service Contracts Remain A Profit Center” in the Sales section on www.NIADA.tv; check out the Warranties, Service Contracts and Insurance area in the Car Counselor section at www.KeithWhann.com and Keith’s blog posts and wires to friends, along with information from various groups and others on www.Auttr.com.

Selling v. Financing Activity, Menu Selling, Co-Signers/Applicants/Buyers, Spot Deliveries and Adverse Action Notices

Review “F & I Practices And Menu Mishaps That Can Sink Your Dealership” in the Toolbox section and “Co-Applicant Vs. Co-Signer: What’s The Difference?” in the Problem Solved! section on www.KeithWhann.com; watch “F&I: Profit Center or Problem Area, The Choice is Yours in the F&I” section on www.NIADA.tv and check out the F&I Financing, F&I Product Sales and F&I Menu Selling areas in the Car Counselor section of www.KeithWhann.com and Keith’s blog posts and wires to friends, along with information from various groups and others on www.Auttr.com.

Advertising and Selling Over the Internet

Review “Selling Over the Internet: Is it Somewhere Over the Rainbow?” in the Toolbox section on www.KeithWhann.com; watch the “Marketing and Selling Vehicles on the Internet” program from the “2^nd Annual National Dealership Compliance and Profitability Expo” in the Compliance section and “Selling Over the Internet: Is it Somewhere Over the Rainbow?” from the Sales section on www.NIADA.tv and check out the Internet Sales and Buying and Selling Online areas in the Car Counselor section of www.KeithWhann.com and Keith’s blog posts and wires to friends, along with information from various groups and others on www.Auttr.com.

Establishing/Operating a Related Finance Company and Starter Interrupt Devices

Visit the Toolbox section of www.KeithWhann.com and review the section of the IRS Audit Technique Guide on Independent Used Automobile Dealerships (page 3-47); watch “How To Establish And Operate A Related Finance Company” in the F&I section and “How To Properly Use A Starter Interrupt Device In A Motor vehicle Transaction” in the Compliance section on www.NIADA.tv and check out the Buy Here - Pay Here area in the Car Counselor section of www.KeithWhann.com and Keith’s blog posts and wires to friends, along with information from various groups and others on www.Auttr.com.

Customer Satisfaction, The Delivery Process and Arbitration

Review the FTC Guide “Buying a Used Car” in the Toolbox section on www.KeithWhann.com; watch “A Review Of The Forms In A Motor Vehicle Sale” (from 14:40 to 18:00) in the Compliance section on www.NIADA.tv and check out the How To Resolve A Problem and Car Buying Process areas in the Car Counselor section of www.KeithWhann.com and Keith’s blog posts and wires to friends, along with information from various groups and others on www.Auttr.com.

The Dealership Walk-Thru and Overall Dealership Compliance

Review “Take A Good Look At Your Dealership: Do You See What I See?” in the Problem Solved! section on www.KeithWhann.com; watch The “Dealership Compliance Walk-thru” programs from the “2^nd Annual National Dealership Compliance and Profitability Expo” in the Compliance section on www.NIADA.tv and check the Car Counselor Dealer Questions section of www.KeithWhann.com and Keith’s blog posts and wires to friends, along with information from various groups and others on www.Auttr.com.

About Auttr.Com

www.Auttr.com: The social network dedicated to the auto industry. While Auttr brings social media to the auto industry, it’s much more than a social network. Auttr enables you to network, communicate and stay informed within the auto industry. Whether you become a friend of Keith’s, join a group (there is a TARP group) or read the blogs and posts, Auttr is your gateway to real-time information and answers.

www.KeithWhann.com: Articles, guides and other information in the Toolbox and Problem Solved! sections and video and audio programs in The Car Counselor section for both dealers and consumers covering a wide range of topics pertaining to the motor vehicle industry.

www.NIADA.tv: Video and audio programs, presentations and question and answer sessions for dealers on a wide range of topics pertaining to the motor vehicle industry.

www.NIADA.com: Various articles and other information for dealers on subjects relevant to the industry, including monthly LLR Updates and Used Car Dealer Magazine.

www.IndependentDealer.com: Information for dealers and consumers alike on a variety of topics, along with links to various licensing and regulatory agencies.

www.AutoConsumer.tv: Information for consumers and dealers on consumer protection issues including The

Car Counselor’s Consumer Buying Tips and re-broadcasts of Ask The Car Counselor programs.

Philip Zelinger and Keith Whann have further leveraged their individual automotive advertising networks -- http://AdAgencyOnline.Net and http://Auttr.Com respectively -- in a project designed to link together a number of nationally recognized auto industry and automotive advertising focused social networking sites. The contributing members are defined as -- Auto Industry Insiders -- and their linked online resources have already earned them a reputation as a "Network Of Networkers." Philip and Keith have been joined by Ralph Paglia and his http://automotivedigitalmarketing.com , Brian Pasch and his http://www.InternetSalesManager.Org, Jared Hamilton and his http://DrivingSales.Com , Chris Saraceno and Kelly Motors and their http://DealerElite.Net , Jody Devere and her http://AskPatty.Com and Scott Monty from Ford Motors and his http://ScottMonty.com. For now the group links their daily blogs and articles through RSS feeds to a central section hosted on AdAgencyOnline.Net appropriately titled Auto Industry Insiders. However, plans are in process to expand their shared resources in online webinars and meetings at auto industry and automotive advertising venues like the NIADA Convention, The 9th Digital Dealer Conference and the NADA Convention; amongst others.

About Philip Zelinger

Philip Zelinger is the President of Ad Agency Online, L.L.C. and the founder of AdAgencyOnline.Net. He invested 25 years as a General Manager and Dealer Principal followed by his last ten years in the automotive advertising industry learning from the teams that he built so he can now presume to teach on forums like AdAgencyOnline.Net. His role as a “Dealer Coach” is enhanced by his hosting a nationally recognized auto industry social networking portal and blog talk radio station – WAAOL, All Automotive Advertising News All The Time. As the author of two books on the auto industry, including “How To Sell A Car – a Career Guide to The Automobile Industry,” he is a recognized authority on market trends and developing technologies with the responsibility of selecting key vendors and applications for his dealer clients as well as forming strategic partnerships for his vendor clients to leverage their shared resources to help them bring their products and services to market.

About AdAgencyOnline.Net and Ad Agency Online, L.L.C.

AdAgencyOnline.Net reviews automotive advertising vendors and new technologies on several blog talk radio shows in addition to the Lunch With Phil Discussing Automotive Advertising. Other shows include “Lunch With Ralph Discussing Automotive Advertising” and “Automotive Advertising Experts.” The shows attract automotive advertising agencies, auto dealers, auto industry vendors and O.E.M. representatives that listen to WAAOL to find vendors, applications and technologies to maximize the R.O.I. for their automotive advertising dollars.

AAOL is a national network of independent affiliated automotive advertising agencies linked by an online communication / distribution system developed by Philip Zelinger. The proprietary operating system that powers AAOL was designed to reduce fixed and semi-variable expenses for full service automotive advertising agencies. The developing technologies that enhanced the performance of the independent automotive advertising agencies linked by AAOL has served as the role model for the solutions suggested on AdAgencyOnline.Net and represented by AAOL to their affiliated automotive advertising agencies when serving their auto dealer clients.

Ad Agency Online L.L.C is focused on discovering and representing new automotive advertising vendors not yet recognized by the mainstream automotive advertising industry. Some of the automotive advertising vendors represented by AAOL include ronsmap, SiSTeR Technologies Video CarLot, TeleTextSolutions, DealerMouth, GetAutoAppraise.com, Argistics - AutoTransaXion, DealMaker.Com, CityTwist.Com, Bulldog Marketing Technologies, Kihon Media, CarFolks.Com, Ai Dealer and Laser Stream Video; with more being added weekly.

For more information on Philip Zelinger, Ad Agency Online, L.L.C., The 2010 NIADA Convention, The TARP Lending Program, Auto Industry Insiders or any of the vendors on AdAgencyOnline.Net contact Philip at http://AdAgencyOnline.Net. Automotive advertising vendors, automotive advertising agencies and auto dealers that would like to be considered as a “preferred automotive advertising vendor” on AdAgencyOnline.Net and/or to hire/join Ad Agency Online, L.L.C. to represent them can contact Philip Zelinger at pzads@bellsouth.net, or call him at 888-796-2228. To quote Philip Zelinger, “Help is only a click away! After all, what are friends for!” ###