Turners Automotive Group (formerly Turners Limited) has been formed through the 2014 merger of New Zealand's largest vehicle and machinery retailer, Turners Auctions, and leading consumer finance and insurance business, Dorchester Pacific. Dorchester was incorporated on 27 September 1984 as Venture Pacific Limited. The company became Dorchester Pacific Limited on 22 May 1992. Over the following years, we developed a core financial services base through the acquisition of a number of finance companies throughout New Zealand. We refined our business focus divesting a range of non-core assets, and continued to grow through both organic growth and strategic acquisitions aligned to its strategy of a financial service company. Today we are an integrated automotive financial service group, primarily operating in the automotive sector, and provide strength in the three key areas of Automotive Retail, Finance and Insurance, and Debt Management Systems. The Turners Automotive Group has 3 core operating divisions. 1. The Automotive Retail Division where we control the buying and selling of second hand cars, trucks and machinery to earn a transactional margin and deliver cross-sell opportunities for our Finance and Insurance products. Turners is the largest second hand vehicle retailer in New Zealand. 2. The Finance and Insurance Division where we help customers with simple and attractive finance and insurance products, and through this build annuity revenue streams. Turners has a portfolio of reputable businesses offering finance and insurance products to customers across New Zealand, including personal, motor vehicle loans and insurance. 3. The Debt Management and Credit Collection Division where we help businesses of any size in New Zealand and Australia with collecting debt from customers who are not paying. Turners has a growing presence in the debt management sector in both New Zealand and Australia through its EC Credit Control business