February 2, 2011 The Honorable Ben Bernanke, Chairman Board of Governors of the Federal Reserve System 20th Street and Constitution Avenue,Northwest Washington, DC 2 0 5 5 1 Dear Chairman Bernanke: On behalf of the retail industry, including restaurants, supermarkets, convenience stores, drug stores, and many others, we are writing to express our gratitude for the time and thoughtful consideration the Federal Reserve Board of Governors and Federal Reserve Board Payments staff have dedicated to the proposed regulations on debit card interchange fees and routing. The proposed debit card interchange fee and routing reforms are a positive first step toward creating competition and certainty in the debit card market. We were pleased to see the Board acknowledge that initially interchange fees flowed to the merchant from the card issuer. There is no reason for interchange to flow from merchants to card issuers as those issuers save money on every debit card transaction because it is already cheaper than a check transaction. For this reason, among others, the final rules can move further toward the check system that has served the nation and the economy very well for many years without interchange fees. The current debit card system, riddled with uncertainty, has made it extremely difficult for us to plan for our businesses. We are confident the final debit card reforms the Federal Reserve will issue this April will take us one step closer to fair and transparent debit card fees, and will provide much-needed certainty as we plan ahead, budget, and make hiring decisions. We also look forward to the end of exclusive network arrangements, which should open the door to competition that will benefit both merchants and consumers on all debit transactions - whether those transactions are initiated by entering a PIN, signing or by any other method. We have watched our cost of accepting debit cards increase year after year powerless to impact or even predict what these cost increases will be. These debit fees have continued to increase since the Dodd-Frank Wall Street Reform bill was enacted - further proof we are subject to a broken payments card market. As business-people, we compete for customers on price and service. The card companies, however, have centrally set interchange fees for over a decade, and have increased these fees with complete disregard to the impact on merchants and consumers. As with other costs, we expected these fees to decrease with technology improvements,
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Washington, DC 2 0 5 5 1 Dear Chairman Bernanke · ... AL DC Oil Co. Birmingham, AL ... Petroleum and Convenience Marketers of Alabama Alaska . S&P Adventures Inc ... Colorado Petroleum
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February 2, 2011
The Honorable Ben Bernanke, Chairman Board of Governors of the Federal Reserve System 20th Street and Constitution Avenue, North west Washington, DC 2 0 5 5 1
Dear Chairman Bernanke:
On behalf of the retail industry, including restaurants, supermarkets, convenience stores, drug stores, and many others, we are writing to express our gratitude for the time and thoughtful consideration the Federal Reserve Board of Governors and Federal Reserve Board Payments staff have dedicated to the proposed regulations on debit card interchange fees and routing.
The proposed debit card interchange fee and routing reforms are a positive first step toward creating competition and certainty in the debit card market. We were pleased to see the Board acknowledge that initially interchange fees flowed to the merchant from the card issuer. There is no reason for interchange to flow from merchants to card issuers as those issuers save money on every debit card transaction because it is already cheaper than a check transaction. For this reason, among others, the final rules can move further toward the check system that has served the nation and the economy very well for many years without interchange fees.
The current debit card system, riddled with uncertainty, has made it extremely difficult for us to plan for our businesses. We are confident the final debit card reforms the Federal Reserve will issue this April will take us one step closer to fair and transparent debit card fees, and will provide much-needed certainty as we plan ahead, budget, and make hiring decisions.
We also look forward to the end of exclusive network arrangements, which should open the door to competition that will benefit both merchants and consumers on all debit transactions - whether those transactions are initiated by entering a PIN, signing or by any other method. We have watched our cost of accepting debit cards increase year after year powerless to impact or even predict what these cost increases will be. These debit fees have continued to increase since the Dodd-Frank Wall Street Reform bill was enacted - further proof we are subject to a broken payments card market.
As business-people, we compete for customers on price and service. The card companies, however, have centrally set interchange fees for over a decade, and have increased these fees with complete disregard to the impact on merchants and consumers. As with other costs, we expected these fees to decrease with technology improvements,
but that has not been the case. Now, with debit cards rapidly replacing paper checks, the card companies have more opportunities to abuse their position. page 2.
The current system of unchecked central price-fixing by the card companies has led to an inefficient market with complex and unpredictable rates, and we look forward to the implementation of the debit interchange fee and routing reforms this summer that will provide much-needed relief to Main Street businesses and our customers. We understand that some of the big banks who benefit from these excessive fees want to delay your work and are willing to take extreme measures to attempt to do so. If they are successful it will simply allow them to further injure retailers, consumers and our economy as a whole with their anti-competitive behavior. We urge you to move forward to implement these reforms and continue to move toward the beneficial model set by the check system.
Thank you again for your diligent work. If there is any way in which we can be helpful as you finalize these regulations, please do not hesitate to contact us.
Sincerely,
The undersigned companies & associations
CC: United States House of Representatives United States Senate
Alabama
Boom Foods, LLC Birmingham, AL
Calhoun Enterprises, Inc. Montgomery, AL
Geo. H. Green Oil Inc. Fairburn, AL
Gregerson's Foods, Inc. Gadsden, AL
Tacala, LLC, Birmingham, AL
The Spencer Companies Incorporated Huntsville, AL
Western Supermarkets, Inc. Birmingham, AL
Minto Energy Mobile, AL
C&S Canopy, Inc Clanton, AL
CDG Engineers & Associates, Inc Dothan, AL
Chapman Canopy, Inc Hueytown, AL
Commercial Refrigeration, Inc Birmingham, AL
McKenzie Oil Company, Inc Eufala, AL
McKinney Petroleum Equipment Mobile, AL
Superior Petroleum Service, Inc. Saraland, AL
Quality Petroleum of Alabama Birmingham, AL
Gitty Up N GO Andalusia, AL
Eidson Petroleum Inc Cullman, AL
Petroleum Sales Inc Decatur, AL
RS Lord LLC Troy, AL
Crew Distributing Company Opp, AL
6040 LLC Birmingham, AL
Watkins Oil Company, Inc Athens, AL
Brown Oil Co. Gadsden, AL
Chattahoochee Oil Co.
West Point, AL
DC Oil Co. Birmingham, AL Baggett Oil Co. Florence, AL
Max Oil Co. Greenville, AL
Hill Petroleum Co. Goodwater, AL
Jet-Pep Inc. Holly Pond, AL
GOV Ltd. Butler, AL
Home Oil Co. Cowarts, AL
United Food & Fuel Montgomery, AL
Alabama College Bookstore Association
Alabama Grocers Association
Alabama Restaurant Association
Alabama Retail Association
Petroleum and Convenience Marketers of Alabama
Alaska
S&P Adventures Inc Girdwood, AK
Arizona
Bashas' Inc. Chandler, AZ
Fleming's Prime Steakhouse & Wine Bar, Scottsdale, AZ
Macayo Mexican Restaurant Phoenix, AZ
Pro's Ranch Markets Phoenix, AZ
Tuscon Truck Terminal, Inc. Tucson, Arizona
Viad Corp Phoenix, AZ
Wildflower Bread Company Scottsdale, AZ
Brown Evans Distributing Co. Mesa, AZ
Quik Mart Stores
Bennett Oil
Calvert Oil
Union Distributing
Cooperative Mercantile Colorado City, AZ
Double D Market Dolansprings, AZ
Arizona Restaurant and Hospitality Association
Arizona Retailers Association
Arizona Food Marketing Alliance
Arizona Petroleum Marketers Association
Arkansas
American Pie Pizza North Little Rock, AR
Bartlett Hicks Realty North Little Rock, AR
Best Western Eureka Inn Eureka Springs, AR
Big Creek Golf & Country Club Mountain Home, AR
Brown's Catfish Russellville, AR
Coulson Oil Company Little Rock, AR
CenterPoint Energy Little Rock, AR
Comfort Inn Mountain Home, AR
DeVito's Restaurant, Harrison, AK
The Faded Rose Restaurants Little Rock, AR
Frost Oil Co. Van Buren, AR
Hicks, Dowty, McCauley and Schell - Architects + Interior designers, Inc., North Little Rock, AR
Sassafras Group, Inc., dba Maddie's Place Little Rock,AR
Saddle Peak LLC Little Rock, AR
Wal-Mart Stores, Inc. Bentonville, AR
Arkansas Hospitality Association
Arkansas Oil Marketers Association, Inc.
Arkansas Grocers and Retail Merchants Association
California
Bristol Farms, Inc. Carson, CA
Harvest Market Fort Bragg, CA
Jax Markets Anaheim, CA
K.V. Mart Co. Carson, CA
Marchbanks Truck Service, Inc. Bakersfield, California,
Mi Pueblo Food Center San Jose, CA
Mollie Stone's Markets Mill Valley, CA
Northgate Gonzalez Market Anaheim, CA
Sacramento 49er Travel Plaza Sacramento, California
Save Mart Supermarkets Modesto, CA
Safeway Inc. Pleasanton, CA
Stater Bros. Markets San Bernardino, CA
Unified Grocers, Inc. Commerce, CA
Pacific Sales Torrance, CA
Napster Los Angeles, CA
DealTree.com Irvine, CA
Olio e Limone Ristorante Santa Barbara, CA
Olio Pizzeria Santa Barbara, CA
Cracked Crab® Pismo Beach, CA
La Trattoria Ventura, CA
Viking Shop Barstow College, CA
Shadowbrook Restaurant Capitola, CA
Luna Park Restaurants Los Angles, CA
Henry's Hat Los Angles, CA
Da Giovanni Inc. Carmel, CA
SYSCO of Central CA Oakdale, CA
J & T Business Management, Inc. Corona, CA
Robinson Oil Corporation Santa Clara, CA
Gil Moore Oil Company Wilton, CA
Mt. Counties Supply Co. Redding, CA
Western States Oil Company San Jose, CA
Access To Money Los Angeles, CA
Davidson Tank
Bakersfield, CA
California Association of College Stores
California Independent Grocers Association
California Retailers Association
California Independent Oil Marketers Association
California Grocers Association
Colorado Craftwood Inn Manitou Springs, CO
Village Markets Genwood Springs, CO
Clarks Markets Basalt, CO
Columbine Market Gypsum, CO
Cedar Edge Mercantile Cedar Edge, CO
Don's Market Paonia, CO
Dover Creek Market Dover Creek, CO
Family Food Town Palisade, CO
Family Market Naturita, CO
Gateway Supermarket Gateway, CO
Hayden Mercantile Hayden, CO
Keystone Grocery Vail, CO
Kremmling Merc Kremmling, CO
The Market at Mountain Village Ridgeway, CO and Steamboat Springs, CO
Orchard Mesa Market Grand Junction, CO
Prathers Market Fairplay, CO
Rancho Liborio's Market Denver, CO
Redd Mercantile Nucla, CO
Ridgeway Mountain Market Ridgeway, CO
Select Supermarket Oak Creek, CO
Shop and Hop Edwards, CO
Silverton Grocery Silverton, CO
Sim's Market Vail, CO
Watts Ranch Market Meeker, CO
White River Grocery Ridgeway, CO Offen Petroleum Denver, CO
Colorado Petroleum Marketers and Convenience Store Association
Colorado Retail Council
Colorado Restaurant Association
Rocky Mountain Food Industry Association
Connecticut
Wilcox Fuels Incorporated Westbrook, CT
Gulf Oil LP Madison, CT
The Melting Pot Darien, CT
American Steak House
Bozzuto's Inc. Cheshire, CT
Geissler's Supermarkets, Inc. East Windsor, CT
Highland Park Market, Inc. Manchester, CT
Connecticut Retail Merchants Association
Connecticut Food Association
Independent Connecticut Petroleum Association
Delaware
Caffe Gelato Restaurant and Catering Newark, DE
Delaware Restaurant Association
District of Columbia
Restaurant Association Metropolitan Washington
National Council of Chain Restaurants
Florida
Muvico Theatres, Inc. Fort Lauderdale, FL
Winn-Dixie Stores, Inc. Jacksonville, FL
Publix Super Markets, Inc. Lakeland, FL
W.S. Badcock Corporation Mulberry, FL
Darden Restaurants Orlando, FL
Brunchery Restaurants Tampa, FL
Cafe Tu Tu Tango Orlando, FL
Original Tiki Bar & Restaurant Ft. Pierce, FL
The Blue Fish Restaurant Jacksonville, FL
Cosimo's Brick Oven, Cosimo's Too!, Catering by Cosimo's, Sarasota, FL
Berner Oil Co. Inc Clewiston, FL
24/7
Brooksville, FL
Abilita Fernandina Beach, FL Acentria, Inc Lakeland, FL
Ohio Petroleum Marketers & Convenience Store Association
Oklahoma
Danielson Oil Company
Ada, OK
Southwest College Bookstore Association
Oklahoma Restaurant Association
Oklahoma Petroleum Marketers & Convenience Store Association
Oregon Rudy's Markets, Inc. Bend, OR Leathers Enterprises Gresham, OR
Elgin Foodtown Elgin, OR
Halfway Mercantile Halfway, OR
Har Mart Corp
Aurora, OR
Kennedy's Eastside Groc. Baker, OR
Logan's Foodtown Vale, OR
M & W Market #3 Nyssa, OR
Old Pine Market Halfway, OR
Red Apple Store Ontario, OR
Richland Hitching Post Richland, OR
Sell-Rite Store Haines, OR
Union Shopping Center Union, OR
Wilson Food Town
Baker City, OR
Oregon Petroleum Association
Pennsylvania Sheetz, Inc. Altoona, PA
Associated Wholesalers, Inc. Robesonia, PA
Boscov's Department Store, LLC Reading, PA
Collins Family Markets Philadelphia, PA
Ellwood City Save-A-Lot Ellwood City, PA
East Brady Freshmarket Butler, PA
Friedman's Freshmarkets Butler, PA
Harold Friedman, Inc. Butler, PA
Giant Eagle, Inc. Pittsburgh, PA
Giant Food Stores Carlisle, PA
Harrisburg Hotel Corp. Harrisburg, PA
Rite Aid Camp Hill, PA
Weis Markets, Inc. Sunbury, PA
Jacobs Petroleum Products, Inc. Waynesburg, PA
Follett Corporation Easton, PA
Penn Tank Lines Chester Springs, PA
The Pep Boys - Manny, Moe & Jack
Philadelphia, PA
Pennsylvania Retailers' Association
Pennsylvania Restaurant Association
Pennsylvania Petroleum Marketers & Convenience Store Association
Pennsylvania Convenience Store Council and Pennsylvania Food Merchants Association
Rhode Island Ocean State Harley-Davidson, Inc. Warwick, RI
Colbea/East Side Enterprises, LLC Cranston, RI
CVS Caremark Woonsocket, RI
Rue Bis Providence, RI
Jacky's Galaxie & Sushi Bar Bristol, RI
Pinewood Pub & Pizza Chepachet, RI
Ocean State Jobbers N. Kingston, RI
Rhode Island Food Dealers Association
South Carolina
W. Lee Flowers & Co., Inc. Lake City, SC
Holy City Hospitality Charleston, SC
Echols Oil Company Incorporated Greenville, SC
Mixson Oil Company Allendale, SC
Sumpert Oil Co. Pelion, SC
Lowry Oil Co. Seneca, SC
Curtis Oil Co. Chesterfield, SC
Lindsay Oil Co. Pickens, SC
H&S Oil Co. Andrews, SC
Chase Oil. Co. Florence, SC
RL Jordan Oil Co.
Spartanburg, SC
Kunkle Oil Co. Newberry, SC
Calhoun Oil Co. St. Matthews, SC
Brabham Oil Co. Bamberg, SC
Blythewood Oil Co. Ridgeway, SC
Winnsboro Petroleum Carlisle, SC
Stockman Oil Co. Greenwood, SC
The Spinx Co. Greenville, SC
Ice Machines International, Inc Myrtle Beach, SC
Oilmen's Truck Tanks, Inc Spartanburg, SC
South Carolina Retail Association
South Carolina Petroleum Marketers Association
South Dakota
Cattleman's Club Steakhouse Pierre, SD
Burke Oil Company Chamberlain, SD
Badger Oil Company Badger, SD
Stern Oil Company Freeman, SD
Midwest Oil Company Hill City, SD
Severson Oil and LP Company Souix Falls, SD
Moyle Petroleum Company Rapid City, SD
Halvorson Oil Company Kennebec, SD
Licensed Beverage Dealers of South Dakota Pierre, SD
Nelson Oil & LP Gas Inc. Hill City, SD
South Dakota Petroleum and Propane Marketers Association
South Dakota Retailers Association
Tennessee
Dyer Foods, Inc. Dyer, TN
E.W. James & Sons, Inc. Union City, TN
Foodline Service Memphis, TN
Rocky Top Markets LLC Kingston, TN
Spankiesm Cookeville TN
Demos' Restaurants Murfreesboro TN
Regal Entertainment Group Knoxville, TN
Eco Travel Plaza Crossville, TN
AutoZone Memphis, TN
Knoxville West TA TravelCenter
Knoxville, TN
Cox Oil Company Union City, TN
Beall Corporation Ooltewah, TN
H.T. Hackney Company Knoxville, TN
Titan Management Group Brentwood, TN
Tennessee Fuel & Convenience Store Association
Tennessee Retail Association
Tennessee Grocers & Convenience Store Association
Texas
Cinemark USA, Inc. Plano, TX
E-Z Mart Stores, Inc. Texarkana, TX
Valero Energy Corporation San Antonio, TX
W&J Investments, Inc. The Woodlands, TX
7-Eleven, Inc. Dallas, TX
Affiliated Foods, Inc. Amarillo, TX
Brookshire Grocery Company Tyler, TX
BRENCO Marketing Corp. Bryan, TX
Fiesta Mart, Inc. Houston, TX
Lawrence Brothers Sweetwater TX
Fred Garrison Company Plainview, TX
Gerland Corporation Houston, TX
Jones-Blair Paint Company Dallas, TX
Minyard Food Stores, Inc. Dallas, TX
Pay and Save, Inc. Littlefield, TX
Phase Next Hospitality Dallas, TX
Rehkopf Enterprises, Inc. Wake Village, TX
Varsity Bookstore Lubbock, TX
Rip Griffin Travel Centers Lubbock, TX
Murphy Adams Restaurant Group, Inc., Mama Fu's Asian House Austin, TX
Hill Country Dairies, Inc. Austin TX
Endeavour Enterprises Lubbock, TX
Taco Villa Lubbock, TX
Taco Villa Levelland, TX
Pizza Hut Plainview, TX
Pizza Hut Levelland, TX
Pizza Hut Slaton, TX
Pizza Hut Muleshoe, TX
Pizza Hut Littlefield, TX
Polk Oil Company Lufkin, TX
CITGO Petroleum Corporation Houston, TX
Fidelity Express Sulphur Springs, TX
LPT Retail Management Services Temple, TX
Tanknology Austin, TX
The Jack Olsta Co.
Huntsville, TX
Vitol, Inc Houston, TX J.C. Penney Corporation, Inc. Plano, Texas
Texas Petroleum Marketers and Convenience Store Association
Texas Retailers Association
Texas Package Stores Association
Texas Grocery and Convenience Association
Texas Restaurant Association
Utah
1-800 CONTACTS, Inc. Draper, Utah
Maverik, Inc.
North Salt Lake, UT
Associated Food Stores, Inc. Salt Lake City, UT
Harmon City, Inc. West Valley City, UT
Log Haven Restaurant Group Salt Lake City, UT
Restaurant & Store Equipment Co. Salt Lake City, UT
Randall Distributing Layton, UT
Billings Distributing Company Inc. Mapleton, UT
Wind River Petroleum Salt Lake City, UT
Hone Oil Company Ogden, UT
Bell Brothers Oil Company Coalville, UT
Kellerstass Enterprises Ogden, UT
P.E.R.S. Ogden, UT
Allen's Super Save #1 Provo, UT
Allen's Super Save #2 Orem, UT
Allen's Super Save #4 Springville, UT
Al's Foodtown Duchesne, UT
Barrett's Market Salina, UT
Blue Mountain Foods
Monticello, UT
Blue Mountain Meats Monticello, UT
Bowman's Kaysville, UT
Broadway Shop Ctr. & Phar. Salt Lake City, UT
Buy Low Market Provo, UT
Canyon Country Blanding, UT
Carter's Market Enterprise, UT
Chuck Wagon General Store Torrey, UT
Clarke's Country Market Tropic, UT
Clark's Market (Blanding) Blanding, UT
Country Corner Cleveland, UT
Creamery At Helaman Provo, UT
Creamery On Ninth Provo, UT
Crisp Grocery Monroe, UT
Crisp Grocery Salem, UT
Davis Jubilee Food & Drug #1 Vernal, UT
Davis Jubilee Food & Drug #2 Roosevelt, UT
Davis Jubilee Food & Drug #3
West Valley City, UT
Days Market Provo, UT
Days Market Heber City, UT
Delta Jubilee Foods Delta, UT
Duane's Foodtown Fillmore, UT
El Mexicano Market Orem, UT
El Rodeo Market Ogden, UT
Family Fresh Foods Washington Terrace, UT
Farmers Market Laverkin, UT
Flaming Gorge Market & Merc Manila, UT
Food Ranch Bestway Orangevlle, UT
Food World Thriftway Salt Lake City, UT
Glaziers Foodtown Kanab, UT
Goulding's Grocery Monument Vy, UT
Griffin Merc. Escalante, UT
Griffith Foodtown Coalville, UT
Gunnison Thriftway Gunnison, UT
Harmons 7th Street Grocery
Midvale, UT
Harmons At Roy Roy, UT
Harmons At Taylorsville Salt Lake City, UT
Harmons At The Brickyard Salt Lake City, UT
Harmons At The District South Jordan, UT
Harmons At The Orchards Orem, UT
Harmons Bangerter Crossing Draper, UT
Harmons Cougar Place Kearns, UT
Harmons Draper Draper, UT
Harmons Ogden Five Points Ogden, UT
Harmons South Jordan South Jordan, UT
Harmons St. George St. George, UT
Harmons West West Valley City, UT
Hometown Market Huntington, UT
Honey's Marketplace Kanab, UT
Island Market Logan, UT
Joe's Main Street Market Panguitch, UT
John's Marketplace
Taylorsville, UT
Kamas Foodtown Kamas, UT
Ken's Kash Store Oakley, UT
Kent's Foods Roy, UT
Kent's Market Place Tremonton, UT
Kent's Market Place Brigham City, UT
Kent's Market Place Ephraim, UT
Kohler's Lehi, UT
Kohler's Food Stores Highland, UT
La Herradura De Oro West Valley West Valley City, UT
La Sal Store La Sal, UT
La Vaquita Market Salt Lake City, UT
Lakeview Market Garden City, UT
Leed's Market Leeds, UT
Lee's Market Place Smithfield, UT
Lee's Market Place Logan, UT
Lee's Market Place No. Ogden, UT
M & D Foodtown
Parowan, UT
Main Street Market Ferron, UT
Manti Market Manti, UT
Medsource Direct Sandy, UT
Melon Vine Green River, UT
Mike's Foodtown Beaver, UT
Miner's Trading Post Sunnyside, UT
Miniature Market Salt Lake City, UT
Morgan Jubilee Morgan, UT
Moroni Bestway Moroni, UT
Mt. Nebo Thriftway Nephi, UT
Neighbor's Market North Salt Lake, UT
Payson Market Payson, UT
Peterson Foodtown Riverton, UT
Pioneer Market Fillmore, UT
Quality Thriftway - Delta Delta, UT
R & A Market Helper, UT
Rancho Market
Salt Lake City, UT
Rancho Market #1 Salt Lake City, UT
Rancho Market #3 Kearns, UT
Rancho Market #4 Provo, UT
Rancho Market #5 Magna, UT
Reams #10 W. Jordan, UT
Reams #12 Salt Lake City, UT
Reams #4 Springville, UT
Reams #9 Sandy, UT
Reams #11 W Jordan, UT
Reams #14 Layton, UT
Reams #15 Sandy, UT
Reams #2 Salt Lake City, UT
Reams #6 Kearns, UT
Reams #8 Magna, UT
Red Mountain Market Ivins, UT
Ridley's (Hyrum) Hyrum, UT
Ridley's (Orem)
Orem, UT
Ridley's (Orem) Orem, UT
Ridley's (Tremonton) Tremonton, UT
Royal's Loa, UT
Ruby's Inn General Store Bryce, UT
Soelbergs' Grantsvlle, UT
Sol Foods Springdale, UT
Sol Foods Springdale, UT
South End Market Provo, UT
Standard Market Magna, UT
Stan's Market Kearns, UT
Stan's Merc. Circlevlle, UT
Stewart's Roosevelt, UT
Stewart's Thriftway Castledale, UT
Stop & Shop Market Ogden, UT
Store At Midway, The Midway, UT
Store Too, The Holladay, UT
Store, The
Salt Lake City, UT
Summit Furn. & Mercantile Co Coalville, UT
Sunshine Market Milford, UT
Swasey Foodtown Altamont, UT
Tenochtitlan Super Market Midvale, UT
Terrel's Thriftway Mt Pleasant, UT
Terry's Food & Drug Orderville, UT
The Market At Park City Park City, UT
Theurer's Store Lewiston, UT
Todd's Market Minersvlle, UT
Ute Indian Tribe Ft Duchesne, UT
Valley Market Eden, UT
Village Market Moab Moab, UT
Wangsgards Ogden, UT
Winegar's Supermarket Inc Roy, UT
Winegar's Supermarket Inc #2 Bountiful, UT
Winegar's Supermarket Inc #3 Clearfield, UT
Workmen's Market
Helper, UT
Western Petroleum Marketers Association Salt Lake City, UT
Utah Food Industry Association
Utah Retail Merchants Association
Utah Restaurant Association
Utah Petroleum Marketers and Retailers Association
Vermont
Stowe's Pie in the Sky Stowe, VT
Cota and Cota, Inc. Bellow Falls, VT
Fleming Oil Company Brattleboro, VT
Vermont Grocers' Association
Vermont Retail Association
Vermont Fuel Dealers Association
Virginia
Miller Oil Co., Inc. Miller Mart Norfolk, VA
Tiger Fuel Co. Charlottesville, VA
Frank's Trucking Center Chesapeake, Virginia
M.L. Davis Oil Company, Inc. Dba Davis Travel Centers/Circle D Marts Stony Creek, VA
Simmons Travel Center Bracey, VA
Enovo Restaurants Arlington, VA
H. N. Funkhouser & Co. Winchester, VA
K-VA-T Food Stores, Inc./Food City Abingdon, VA
Southside Oil, LLC Richmond, VA
Uppy's Convenience Stores Richmond, VA
Emmart Oil Company Winchester, VA
Capitol Petroleum Group, LLC Springfield, VA
Davenport Energy Inc Chatham, VA
Woodfin Oil Co. Mechanicsville, VA
Morgan Oil Corp. Marshall, VA
Parker Oil Co. South Hill, VA
EM Gray & Son, Inc
Milford, VA
Delta Oil Co. Petersberg, VA Petroleum Marketers Inc Roanoke, VA
Quarles Petroleum Inc Fredicksburg, VA
PAPCO Inc Virginia Beach, VA
Fannon Petroleum Services Gainsville, VA
Milo C. Cockerham Galax, VA
Central Oil of Virginia Rocky Mount, VA
Workman Oil C. Forest, VA
Amthor International Gretna, VA
ExxonMobil Fuels Marketing Co Arlington, VA
PetroProperties & Finance, LLC Vienna, VA
Advance Auto Parts, Inc. Roanoke, VA
Virginia College Stores Association Blacksburg, VA
Mid-Atlantic Convenience Stores Richmond, VA
Virginia Licensed Beverage Association Virginia Beach, VA
Virginia Petroleum, Convenience and Grocery Association
Washington
Gee Cee's Inc. Toledo, Washington
Bert's Red Apple Market, Inc. Seattle, WA
Haggen, Inc. Bellingham, WA
Magnolia Audio Video
Kent, WA
URM Stores, Inc. Spokane, WA Lombardi's, Neighborhood Italian Restaurants
Arby's Restaurants of Spokane Spokane, WA
Margent Corporation, Dba: Dairy Queen Olympia, WA
Rib City Grill Vancouver, WA
Beacon Rock Golf Course North Bonneville, WA
Green Mountain Golf Course Vancouver, WA
Caffe Appassionato Coffee Company Seattle, WA
Waterloo Restaurant Ventures Inc. (D/b/a Romano's Macaroni Grill) Vancouver, WA
Inland Oil Company Soap Lake, WA
Sun Pacific Energy Kennewick, WA
Albina Fuel Vancouver, WA
Connell Oil, Inc Pasco, WA
Skylark's Hidden Cafe Bellingham, WA
Washington Restaurant Association
Washington Retail Association
Washington Oil Marketers Association/Pacific Northwest Oil Heat Council
West Virginia
R.M. Roach & Sons, Inc. Martinsburg, WV
West Virginia Oil Marketers and Grocers Association
West Virginia Retailers Association Charleston, WV
Wisconsin
Marcus Theatres Corp. Milwaukee, WI
ShopKo Stores Operating Co. Green Bay, WI
Kwik Trip, Inc. La Crosse, WI
Festival Foods Onalaska, WI
Roundy's Supermarkets, Inc. Milwaukee, WI
The Nitty Gritty in Madison and Middleton Madison and Middleton, WI
Kavanaugh Restaurant Supply Inc, Madison, WI
Ardy & Ed's Drive In, Inc., Oshkosh, WI
HuHot Mongolian Grill Madison, WI
HuHot Mongolian Grill Appelton, WI
HuHot Mongolian Grill Green Bay, WI
HuHot Mongolian Grill Kenosha, WI
HuHot Mongolian Grill Eau Claire, WI
Open Pantry Food Marts of Wisconsin Pleasant Prairie, WI
Franklin Fueling Systems Madison, WI
Midwest Fuels
La Crosse, WI
Garrow Oil & Propane Corporation Appleton, WI
Stop-N-Go of Madison Madison, WI
Open Pantry Food Marts of Wisconsin Pleasant Prairie, WI
Cole Oil & Propane Company, Inc. Lomira, WI
Central Wisconsin Cooperative Stratford, WI
Frawley Oil Company, Inc. Whitewater, WI
East Troy Point Shell, LLC East Troy, WI
Prairie State Energy, LLC Lake Geneva, WI
Riiser Energy Wausau, WI
Lang Oil, Inc. Oshkosh, WI
Kwik Trip, Inc. La Crosse, WI
Mian's Oil Company Franklin, WI
O'Connor Petroleum Company, Inc. Hales Corners, WI
Condon Oil Company Ripon, WI
Fuel Service DJ Marts, LLC Chippewa Falls, WI
Lakeside Oil Company, Inc. Fox Point, WI
Pine River Mini Marts, Inc.
Manitowoc, WI
Van Zeeland Oil Company, Inc. Appleton, WI
Wild Goose Station Slinger, WI
Baltus Oil Company, Inc. Marshfield, WI
Crawford Oil Company, Inc. Portage, WI
Goetz Companies, Inc. Portage, WI
Meffert Oil Company, Inc. Waunakee, WI
Team Schierl, Inc. Stevens Point, WI
U.S. Venture Appleton, WI
Jerry Willkomm, Inc. & JC Stores, Inc. Somers, WI
Alliance of Wisconsin Retailers
Wisconsin Grocers Association
Wisconsin Restaurant Association
Wisconsin Petroleum Marketers & Convenience Store Association
Wyoming
Bailey Oil Company Riverton, WY
Perkins Oil Company Rawlins, WY
Alpine Market Alpine, WY
Benedict Trading Company Mtn. View, WY
Burney & Company Big Piney, WY
Colter Bay Vill. Gen. Store Moran, WY
Evanston Jubilee Evanston, WY
Familee Thriftway Afton, WY
Hoback Store Jackson, WY
Hungry Jack's General Store Wilson, WY
Jackson Whole Grocer Jackson, WY
Kemmerer Jubilee Kemmerer, WY
Moose Trading Post Moose, WY
Obo's Market & Deli Pinedale, WY
Obo's Market & Deli-Marbleton Marbleton, WY
Old Tulsa General Store Labarge, WY
Ridley's (Pinedale) Pinedale, WY
Stage Stop General Store Baggs, WY
Valley Market Thayne, WY
Westside Store & Imo's Deli Wilson, WY
Basketeria Pavillion, WY
Big Horn Foodtown (Red Apple ) Lovell, WY
Blairs Market Thermopolis, WY
Blair's Market - Worland Worland, WY
Blair's Thriftway Powell, WY
D.J.'S Buffalo, WY
Edgerton Grocery Edgerton, WY
Ethete Store Ethete, WY
Hines General Store Ft Washakie, WY
Mr. D's Lander, WY
Ron's Food Farm Greybull, WY
Warehouse Market Sheridan, WY
Wyoming State Liquor Association Cheyenne, WY
Wyoming Petroleum Marketers and Convenience Store Association
Wyoming Retail Association
National Trade Associations
Automotive Aftermarket Industry Association American Apparel & Footwear Association American Beverage Licensees American Booksellers Association American Home Furnishings Alliance American Hotel & Lodging Association American Veterinary Medical Association Consumer Electronics Association
Digital Media Association Entertainment Merchants Association Food Marketing Institute International Council of Shopping Centers International Franchise Association Interactive Travel Services Association National Association of College Stores National Association of Concessionaires National Association of Convenience Stores National Association of Shell Marketers National Association of Theatre Owners National Association of Truck Stop Operators National Grocers Association National Home Furnishings Association National Parking Association National Restaurant Association National Retail Federation National Small Business Association Outdoor Amusement Business Association, Inc. Pet Industry Joint Advisory Council Petroleum Marketers Association of America Retail Industry Leaders Association Service Station Dealers of America and Allied Trades Society of Independent Gasoline Marketers Tire Industry Association Travel Goods Association