Armon Kamesar passed away December 11, 2009

1978 Armon Kamesar American States Leasing San Diego, California

From Larry B. Turner:

“I was Armon’s junior partner in American States Leasing and had the honor of learning most of what I know today about lending from him….what a great teacher and mentor he was! Armon was one of the old school guys who demanded that every transaction be done the right way and closed with integrity as the wrapper….everything always on top of the table…never under it.

“After we closed down AMSTAT in 1984, Bob Putnam (who had served as our President under Armon) was granted the right to use and keep our dba “AMSTAT Capital” and he, Todd Garrison and I continued to broker business under that moniker for some time. Todd and I later formed Vision Capital Corporation in 1989, which I closed earlier this year. Though Bob was debilitated by a stroke years ago, he and his wife, Linda Mueller, still do business as AMSTAT Capital from Florida and that name still represents doing business with integrity.

“Armon and I continued to meet once each year for breakfast and I last saw him in early 2009. I will surely miss not having that breakfast with him this year.

“Armon, Fred Shieman, Hal McAfee, Bob Skinner….giants all…..sorely missed.”

Larry

Larry B Turner
Pacifica Capital
760-599-4757 Direct
760-295-2499 Fax
larryt@pacifica-capital.com

A memorial will be held at 2 p.m. Jan. 17 at the University of California San Diego Faculty Club in La Jolla.

San Diego Union-Tribune Obituary
By Craig Gustafson

As a descendant of Russian immigrants who fled during the Bolshevik Revolution, Armon Kamesar never forgot how fortunate he was to grow up in America.

Throughout a 60-year business career that took him from Milwaukee to Jamaica to La Jolla, Mr. Kamesar continually gave back by leading a food bank and social-service programs that served the less fortunate. He also held a Fourth of July party for more than 30 years and insisted that his guests sing “The Star-Spangled Banner.”

Mr. Kamesar, of La Jolla, died Dec. 11 of congestive heart failure. He was 82.

“It’s not fair to him to call him a do-gooder, but he did a lot of good,” said Pat Crowell, a retired lawyer from La Jolla who knew Mr. Kamesar for three decades.

Mr. Kamesar is best known in San Diego as the owner of American States Leasing Corp., an equipment and computer leasing company he founded in 1975. The company went public in the 1980s and changed its name to Amstat Corp.

He spent the past 35 years as a prominent management consultant who advised as many as 40 business executives at a time while working for Vistage International, a firm that focuses on chief executive leadership. Bankruptcy judges also sought his expertise on difficult business cases.

“He was a very magnetic person with a good business sense,” former colleague Bud Emerson said. “He had some human qualities that were rare for a business consultant.”

Emerson said Mr. Kamesar, a liberal Democrat, often joked with his frequently conservative clients that he could give them a unique perspective on their business because of their ideological differences.

Mr. Kamesar was born in 1927 in Milwaukee. He received a bachelor-of-science degree in animal husbandry from Oklahoma State University in 1949, then moved to Chicago to work as a cattle buyer for his father’s meatpacking company before returning to Milwaukee to head a stockbrokerage.

Mr. Kamesar and his wife, Barbara, moved to Jamaica in 1970 to operate a resort hotel for three years.

The couple moved to La Jolla in 1973, when Mr. Kamesar became president of California Heritage Bank before launching American States Leasing.

Mr. Kamesar was also involved with several local charities, including the San Diego Food Bank, American Red Cross, Catholic Charities, Salvation Army and Neighborhood House Association.

He also served on the California Highway Patrol’s citizens oversight board and chaired the San Diego city pension system’s audit committee.

Pat Hyndman, a one-time business competitor who later worked alongside Mr. Kamesar as a consultant, said his longtime friend was a kind, compassionate man who often hid behind a curmudgeon’s mask.

“His heart was as big as the world,” Hyndman said. “His loss is a big loss to all.”

Mr. Kamesar was preceded in death by two sisters and a son, Daniel. Besides his wife, Mr. Kamesar is survived by a son, Adam of Cincinnati; and five grandchildren.

Craig Gustafson: (619) 293-1399; craig.gustafson@uniontrib.com

Benchmark Financial Groups, Aliso Viejo, CA
Bulletin Board Complaint

“Benchmark Financial Groups, LLC,
65 Enterprise Aliso Viejo, CA 92656

“BEWARE of doing business with Benchmark Financial Groups, LLC, they will make all sorts of promises to get your business.

“Then, they will ask you to fax a copy of a check, for the first and last payment.

“DON’T DO IT.”

Source: www.benchmarkfg.info

Jim Hare, Managing Partner, Franchise Kings LLC, Mahwah, New Jersey, is so angry that he created the above web site.

"We entered into a lease agreement with Benchmark Financial Groups, LLC, located at 65 Enterprise Aliso Viejo, CA 92656 on 11/12/2009, with the clear understanding the lease had to be completed by no later than 11/24/2009, as we were opening a new store and had to have the lease approved and start paying our vendors by the first of December.

"I have Emails from the president, Marcus Davin, stating they can approve in less than 24 hours and Emails from the account rep stating they would be able to complete the lease within our stated time frames.

"Benchmark asked for a copy of a check (not the actual check) made out to Benchmark for the 1st and last payment for $4,804.32. When I faxed them a copy, they immediately took the funds out of our checking account. They never had authorization from us to do this, nor did they state anywhere they were taking the funds on a lease that had not yet been approved.

"Unfortunately we did not find this out until about a week after they took the funds and at that time we had no recourse with the bank. Since we wanted the lease we continued to deal with Benchmark.

"At no time did we change any of the terms of the deal.

"We continually asked the status of the approval and were assured it would close before the 24th. On the 24th I called and emailed several times to find out if the lease was approved and I did not get any response from the company. I was then forced to pay our vendors so we could make our scheduled opening.

"At no time did Benchmark contact our vendors, as they said they would several times in writing, or file for credit approval until the 24th, so they did not even start the process. When we attempted to get our 1st and last payment returned Benchmark said it is non-refundable and now refuses to return our calls and emails...

"We are seeking a refund in the amount of $4,804.82."

Jim Hare
Franchise Kings LLC
Managing Partner

Calls to Marcus Davin, Benchmark Financial Groups, were not returned as well as faxes and emails.

Mr. Hare did send copies of emails as well as the agreement.

Benchmark Better Business Bureau Rating: F
http://www.la.bbb.org/Business-Report/Benchmark-Financial-Groups-LLC-100045720

Association membership:
The United Association of Equipment Leasing (January 1, 2009 became National Equipment Finance Association) states Benchmark is not a member. At this present time, Benchmark is a member of the National Association of Equipment Leasing Brokers as a "broker," not a "funder."

Copy of Franchise Kings, LLC agreement:
http://leasingnews.org/PDF/Benchmark_11_10_09.pdf

2009
Benchmark Financial Groups, Aliso Viejo, CA

Bulletin Board Complaint
http://leasingnews.org/archives/December%202009/12-14-09.htm#benchmark
Benchmark Financial Groups, Aliso Viejo, CA
Bulletin Board Complaint
http://leasingnews.org/archives/September%202009/09-24-09.htm#Bulletin1
Benchmark Financial Groups, Aliso Viejo, CA
Bulletin Board Complaint
http://leasingnews.org/archives/September%202009/09-24-09.htm#Bulletin2
Benchmark Financial Group, Aliso Viejo, CA
Bulletin Board Complaint
http://www.leasingnews.org/archives/April%202009/04-06-09.htm#bbc
Benchmark Financial Group, Aliso Viejo, CA
Bulletin Board Complaint
http://www.leasingnews.org/archives/March%202009/03-02-09.htm#bbc

Classified Ads -- Marketing

For a full listing of all “job wanted” ads, please go to:http://www.leasingnews.org/Classified/Jwanted/Jwanted.htm

Other e-Mail Posting Sites:
http://www.leasingnews.org/Classified/Posting_sites.htm

LEAF Specialty Finance for Sale/Or Else!

by Christopher Menkin

Like the Energizer Bunny, Dwight Galloway, CLP, has kept his Columbia, South Carolina leasing operation going for quite some time. He may like to be compared to a paratrooper, which he is, and certainly is a fighter, but the fact is he has had a long battery life.

Dwight Galloway, CLP, President, Leaf Specialty Finance

Leasing News has been holding this story until after Christmas, in the meantime talking to industry leaders as well as reviewing the parent Resource America (NasdaqGS: REXI) SEC filing, by the way filed 7 days after releasing the press release, making the “comprehensive report” “old news” to many journalists.*

None of the officers or spokespersons at LEAF Corporation return telephone or email inquiries, but the Resource America SEC filing is revealing in itself, not just for the financial numbers, which are fascinating to read, but the intention of the corporation is obvious, particularly in this section:

“During fiscal 2009, we focused our efforts on improving our financial condition by selling investments and reducing our costs by eliminating operating redundancies following conversion of the fiscal 2008 acquisitions and to reduce our staff in light of reduced origination capabilities brought on by the recession and tight debt markets.”
     Page 20 SEC Dec 14, 2009 filing

The emphasis has been on its Commercial Finance Division with over 300 employees (1).

Perhaps Paul Menzel, CLP, is the lucky one in not being chosen to lead the broker division. Today he is president of Financial Pacific, Federal Way, Washington, one of the dwindling players in the independent broker’s marketplace. Chosen was Dwight Galloway, CLP, Columbia, South Carolina. A veteran of keeping his group alive with funding. The last time right before Christmas with NetBank. Resource America original plan called for an extension of the Columbia operation with larger facilities, but what happened perhaps may be the down economy or the corporate move into separate billing, collection, funding, and the operation coming out of Philadelphia, Pennsylvania.

It is very interesting to note that Leaf Specialty-Finance does not have its own company logo.

The news is not that secret as brokers have told Leasing News they were aware and have been nervous in sending transactions to Columbia, South Carolina. It was not Galloway cutting back brokers again, choosing those who got deals signed when approved, but the recent cutback to 27 employees that was significant. (2) They report seeing the writing on the wall. It also was the “Trigger Leads” from LEAF direct, as many brokers report their vendors and customers that they sent to Alco, Dolphin, Santa Barbara, being called upon for business, that LEAF direct was their representative.

Reportedly Galloway has been talking with potential buyers, including the caveat that they get the entire operation, including his leadership (LEAF is willing to waive the non-compete clause.) However, if the division is not sold (reports are from 30 days until the end of the first quarter), the operation will be closed and non-compete clauses not waived. LEAF has a lot of experience in closing down operations, particularly this one where billing, collections and most of the main operation is out of the main office, particularly if exiting the broker market place which is the obvious intention, as well as cutting overhead and fully consolidating both its operation and market share.

Galloway repeatedly denied that his division was being sold when at Netbank Business Finance, but in the end, made it public (3).

In addition to the corporate personality, the numbers from the SEC filing speak loudly. The December 7, 2009 press release stated a prime bottom line of a net loss of $14.9 million for fourth quarter and fiscal year end September 30, 2009 compared to a loss of $26.2 million the previous year-end.

The numbers from the December 14, 2009 10-K:

“Revenues decreased $47.5 million (49%)…$49.4 million for fiscal 2009 from $96.9 million for fiscal 2008…”

“During fiscal 2009, our commercial finance assets under management decreased $174.0 million (11%) to $1.4 billion as compared to $1.5 billion in fiscal 2008 because the amortization and repayment of existing commercial finance assets exceeded new originations.

“Our originations of new equipment financing decreased by $785.0 million (66%) to $401 0 million in fiscal 2009 from $1.2 billion in fiscal 2008. Originations in fiscal 2008 included $581 5 million related to our November 2007 acquisitions of the Dolphin Capital Corp. and NetBank portfolios of leases and loans. Excluding these acquisitions, originations decreased by $203.5 million for fiscal 2009 as compared to fiscal 2008.

“Our originations have been and we expect they will continue to be impacted by the state of the credit markets and the ability of our funds to maintain and obtain financing to acquire portfolios of leases and loans from us. “

“As of September 30, 2009, we managed approximately 100,000 leases and loans that had an average original finance value of $25,000 with an original average term of 52 months. As of September 30, 2008, we managed approximately 102,000 leases and loans that had an average original finance value of $23,000 with an original average term of 52 months.”
Pages 18-21 have specific accounting numbers
SEC filing: December 14, 2009: 10-K

It should be noted a major internal move, perhaps a signal of a tougher management style, announced “also” on December 14, 2009, Resource American Leasing promoted Thomas C. Elliott, Senior Vice-President of Finance and Operations for the Company, to the additional position of Chief Financial Officer.

The press release stated he was replacing Steven J. Kessler, Chief Financial Officer of the company since 1997, who signed the 10-K filing, he was basically moved to “Chairman of Resource Capital Corporation, a real estate investment trust sponsored and externally managed by the Company.”

Jonathan Cohen, President and CEO of the Company, said, "Steve Kessler's service to Resource America has been exemplary and we are grateful for that service and very fortunate that as Steve moves to the next phase of his career that Resource Capital Corp. will have the benefit of his focus and efforts during this critical time in the commercial real estate markets."

"Resource America, Inc. is a specialized asset management company that uses industry specific expertise to generate and administer investment opportunities for its own account and for outside investors in the commercial finance, real estate and financial fund management sectors."

Company Press Release

*Press Release December 7, 2009
    SEC filing: December 14, 2009: 10-K
“Annual report which provides a comprehensive overview of the company for the past year”
http://phx.corporate-ir.net/phoenix.zhtml?c=73519&p=irol-sec

(1) “LEAF is responsible for sourcing commercial finance investments primarily through program relationships with manufacturers and dealers of essential use equipment and software as well as through acquisitions of existing portfolios originated by third parties. LEAF's strategy for originations involves integrating its finance products into the sales and marketing organizations of its program partners such as Dell, Mitel, 3M, Toshiba, OCE, Konica Minolta, Extreme Networks, Honeywell, Sage, Phillips, and Sullivan Schein. By developing and maintaining program relationships with manufacturers and dealers, LEAF is able to leverage and utilize the sales organizations of its partners to market its commercial finance products and services to the highly dispersed population of small- to medium-sized businesses, which is LEAF's targeted demographic. On acquisitions, LEAF seeks organizations with a portfolio of financing contracts that provide acceptable returns for its investment entities coupled with proven origination teams.”
page 8 SEC filing: December 14, 2009: 10-K

“• a $10.9 million reduction in wages and benefits. Our costs have decreased due to several factors: (i) in fiscal 2008, we held significantly higher assets and accordingly, incurred higher servicing costs; (ii) for fiscal 2009, many of these costs were reimbursed by the investment entities to whom we have sold these assets; and (iii) in conjunction with converting the operations we acquired in fiscal 2008 onto the LEAF platform, we have reduced overhead costs by eliminating redundant positions. Furthermore, in response to the ongoing recession and reduced originations, we have increased collection and customer service staff, while to a greater extent, we have decreased sales, credit and lease processing staff. In total, we reduced the number of full-time employees in our commercial finance operations by 78 to 320 as of September 30, 2009 from 398 at September 30, 2008; and
•” a $6.7 million reduction in other costs and expenses. This decrease is due to the decline in assets managed for our own account, which resulted in reduced costs to service our portfolio, primarily legal costs, and to our ongoing cost saving and consolidation efforts (editor). These efforts targeted eliminating overhead redundancies occurring through our acquisitions and taking advantage of efficiencies obtained by operating on a single platform. In addition, fiscal 2008 included one-time costs related to the portfolio acquisitions we made, which did not recur in fiscal 2009.”
Page 22 SEC filing: December 14, 2009: 10-K

(2) Story on cutback of employees (employee numbers derived from 50, as reported by ex-employee, although previous Leasing News list report shows 60 employees:
http://www.leasingnews.org/archives/November%202009/11-20-09.htm#leaf

(3) “For Sale” “Production in the business equipment financing unit was up 10.3% to $19.8 million in March, 2007, according to financial filings with the SEC (in thousands of dollars:)
http://www.leasingnews.org/archives/September%202007/09-24-07.htm#netb

History of Galloway Columbia operation:
http://www.leasingnews.org/list_alpha_new.htm#repleasing

Resource America SEC filing (181 pages):
http://leasingnews.org/PDF/resourceamerica_1229.pdf

FBI & US Attorney General Indict Two More:
Operation Lease Fleece

Two more individuals have reportedly been indicted by the U.S. Attorney General’s office due to work from the Federal Bureau of Investigation. This case has been going on since 2007, with many of the “players” pleading guilty, and their trials postponed as the authorities seek others. The alleged purpose of the postponement is not to divulge what those who have pled guilty to their testimony as others were being investigated. According to a highly reliable source, this entire case is about to come to an end.

The latest indictments and turning of evidence, reportedly pleading guilty, are Shant (Chant) Vartanian, president of ISystems Technology and Solutions, 3650 East Olympic Boulevard, Los Angeles, California , and his brother, Sarkus Vartanian, Vice-President, Marketing, as individuals. Pacer records were not found at press time, as often they are two to three days behind.

Both Vartanians are mentioned by an ex-CapitalWerks employee in a letter to Leasing News as well as by Adam Zuckerman, who also has been indicted. (http://www.leasingnews.org/archives/November%202007/11-07-07.htm#letter)

Allegedly they have confessed to providing invoices for non-existent equipment as well as invoice for new equipment that are in reality inflated sale/leasebacks, which the funder of the lease was not aware.

A web site, still up, states:
“From, the fax blasting under pseudo company names similar to their own. thru Canadian servers with fake sales people names on a ‘pre-approved’ lease line, to the ‘bump,’ an industry term for low-balling proposals only to raise the payment once the deposit check clears, to simply ‘check jacking,’ another term that refers to simply getting a deposit check for commission knowing there is no chance at approval, these companies do it all.”
http://capitalwerksleasing.com/ 

ISystems Technology and Systems was one of the vendors providing the invoices, according to Adam Zuckerman:

"During this process, Zuckerman reportedly found a method to raise cash for the applicant with a disguised sale/leaseback through vendors part of the operation and using (CapitalWerks) Mark McQuitty’s companies and Jim Raeder’s contacts. Everyone along the way was making money on the transaction. It was at this time that he started to grow Brickbanc and move away from CapitalWerks as there obviously was more money eliminating the middle man. He learned to coach brokers to become “vendors,” and even got into bank and trade manipulation."
http://www.leasingnews.org/archives/February%202008/02-25-08.htm#p2

Previous Up-date:
http://leasingnews.org/archives/November%202009/11-25-09.htm#lease_fleece

(Leasing News provides this ad “gratis” as a means
to help support the growth of Lease Police)

Classified Ads---Help Wanted

Interviewing Leasing Professionals With Proven Track Record and Established Book of Business. Envision Provides: 1) Established Funding Sources, 2) Fun Working Environment, 3) Full Benefits (Health Insurance, 401k), 4) Aggressive Commission Structure. Resumes To: careers@envisioncapitalgroup.com, Contact: Jeff Edwards (949) 225-1712 Envision Capital Group is dedicated to providing the best in class products and service to our employers, customers, vendors and partners in the small and middle ticket commercial finance industry. With over 50 years of combined experience we have the knowledge, skills, abilities and relationships to help you reach your goals.

Top Stories-December 21---23

Here are the top ten stories opened by readers:

(1) Leasing 102 by Mr. Terry Winders, CLP
So You Want To Start a Leasing Company
http://leasingnews.org/archives/December%202009/12-21-09.htm#start

(2) Sales Make it Happen --- by Kit Menkin
New Top Ten Reasons to Lease
http://leasingnews.org/archives/December%202009/12-23-09.htm#topten

(3) “It’s So Slow…” Contest Results
http://leasingnews.org/archives/December%202009/12-21-09.htm#contest

(4) Bank Beat---7 Unlucky Banks closed before Xmas
http://leasingnews.org/archives/December%202009/12-21-09.htm#bank_beat

(5) Tiger Woods full update
http://www.examiner.com/x-27745-SF-Headlines-Examiner~y2009m12d20-Tiger-Woods-update--Headed-for-drug-sex-rehab-mother-Kultida-Woods-is-furious

(6) Latest on Tiger Woods-Merry Christmas?
http://leasingnews.org/archives/December%202009/12-23-09.htm#tiger

(7) "Twas the Night Before Funding"
by Jason A. Gendron
http://leasingnews.org/archives/December%202009/12-23-09.htm#funding

(8) CIT's CFO follows CEO in retiring
http://www.reuters.com/article/idUSTRE5BL2HB20091222

(9) Cartoon---Leaving a Message
http://leasingnews.org/archives/December%202009/12-23-09.htm#cartoon

(10) Books for Leasing Professional for Christmashttp://leasingnews.org/archives/December%202009/12-21-09.htm#books

Omaha, NE --- Adopt-a-Pet

Taffy
Pet ID #: 1977648
Rescue Group: Doberman Rescue of Nebraska
Phone: (402) 397-1742
E-mail: dron95@aol.com

- Let 'em know you saw "Taffy" on Adopt-a-Pet.com!

Taffy's info...
Breed: Doberman Pinscher
Size: Large 61-100 lbs (28-45 kg)
Color: Unknown
Sex: Female
Age: Young

Taffy is:
already spayed
purebred
good with dogs
not good with cats
up to date with shots

Taffy's story...
“Hi, my name is Taffy and I am about 1 ½ years old. I am really skinny right now, but my foster family is working on that. I would probably do best in a home without cats.

“Here are a few things that my foster mom has to say about me: She is very loving and sweet. She just craves love from humans but likes to play with other dogs too. Taffy is definitely a Velcro dog. She is completely house broken and kennel trained but prefers to sleep on a dog bed at night beside our bed. She won’t go to sleep unless I pet her while she settles in.

“Not much else is known about my past because I was a stray. If you are interested in making me a part of your family, please go to www.doberescue-ne.org and fill out an application.

“All of our dogs are current with all shots, are on heart worm preventative monthly and are neutered/spayed. All dogs are tail docked. All of the above Dobes are pure breed Dobermans unless otherwise noted.

“We hope you can find a place in your heart and your home for one of our rescue Dobes.”

Please Note:
In most cases we require a fenced yard.

We do not place our rescue dogs in homes with very young children (under the age of 8 years). We set these limitations, not because of aggression issues with our dogs, but because Dobermans are generally large, active dogs and can easily knock down, run over or easily trip a small child, causing a serious fall. Also, we reserve the right to refuse adoption for any reason.

Our adoption area encompasses Nebraska, Iowa and South Dakota.

For more information or to fill out an adoption request please visit
http://www.doberescue-ne.org/

Contact this rescue group to adopt Taffy ...
Rescue Group: Doberman Rescue of Nebraska
Pet ID #: 1977648
Phone: (402) 397-1742
E-mail: dron95@aol.com
- Let 'em know you saw "Taffy" on Adopt-a-Pet.com!
Fax: (402) 391-7050
Website: http://www.doberescue-ne.org
Address:
Omaha , NE
68114

Adopt-a-Pet by Leasing Co. State/City
http://www.leasingnews.org/Conscious-Top%20Stories/Adopt_Pet.htm

Adopt a Pet
http://www.adoptapet.com/

Economy feeds local equipment leasing company
http://memphis.bizjournals.com/memphis/stories/2009/12/28/story3.html

New leasing programs make solar more affordable
http://www.mercurynews.com/breaking-news/ci_14066469

Troubled Georgia bank list grows again
http://www.ajc.com/business/troubled-georgia-bank-list-260010.html

Stanford Texas Ponzi payoff probe
http://www.nypost.com/p/news/business/ponzi_payoff_probe_oRbYVafWS0RXCTourPYd8O

Web sales are retailers' biggest gift
http://www.washingtonpost.com/wp-dyn/content/article/2009/12/28/AR2009122802126.html

Monitor publisher Jerry Parrotto on passing Industry Icon Ian Berg
http://www.monitordaily.com/Story_Page.asp?News_ID=24816&Type=TopStories

Bad news for some: Spam actually works
http://www.upi.com/Business_News/2009/12/28/Bad-news-for-some-Spam-actually-works/UPI-23671262030828/

Bears outlast Vikings, prevail 36-30 in overtime
http://www.chicagobreakingsports.com/2009/12/bears-2.html

Manning, Coughlin apologize for Giants' pathetic performance
http://www.nypost.com/p/blogs/giantsblog/manning_coughlin_apologize_
for_pathetic_UxORCcs3LhbaLxtPn2LkPJ

SF Chronicle Winery of the year: Peay Vineyards
http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2009/12/27/FD5D1B846C.DTL

Washington Wine Industry Sets Priorities
http://www.winesandvines.com/template.cfm?section=news&content=70118&htitle= Washington%20Wine%20Industry%20Sets%20Priorities

At 95, Peter Mondavi Reflects on Life in Wine
http://abcnews.go.com/Entertainment/wireStory?id=9417477

Oregon wine sellers struggle with uneven popularity
http://www.oregonlive.com/business/index.ssf/2009/12/oregon_wine_sellers_struggle_w.html

The Autumn Wind

The Autumn wind is a pirate
Blustering in from sea

With a rollicking song he sweeps along
Swaggering boisterously

His face is weather beaten
He wears a hooded sash

With his silver hat about his head
And a bristly black moustache

He growls as he storms the country
A villain big and bold

And the trees all shake and quiver and quake
As he robs them of their gold

The Autumn wind is a Raider
Pillaging just for fun

And gets ejected from the game
after drinking too much rum.