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Independent, unbiased and fair news about the Leasing Industry


Dallas-Fort Worth
Seasoned Leasing professional in Dallas-Fort Worth area, experienced in 3rd party generated business. Must be highly ethical, self starter with a good understanding of financials and able to produce immediately and consistently. Generous commissions paid and
benefits after initial trial period.

Please submit resume to
Contact: Ron Mitchell 214-615-0667 direct

Friday, July 6, 2012

Today's Equipment Leasing Headlines

Warning: July 9th is the Virus Day
 Classified Ads---Collections/Controller
  Marlin Amends Wells Fargo Capital Line
   by Christopher Menkin
    Hudson Juggles Original Investment to $1 Billion in Assets
     Placard---New Mission Statement
      Six Month BBB Leasing Company Ratings
   New Hires---Promotions
    Classified Ads---Help Wanted
   2012's Best Franchise Deals
      Signature Bank President and Chief Executive Officer Earns
      Gold Stevie® Award in 10th Annual American Business Awards
  Former NFL Wide Receiver Sentenced For Lying to a
   Federal Grand Jury during an IRS Criminal Investigation
     Labrador Retriever
     Tallahassee, Florida Adopt-a-Dog
        Fourth of July Patriotic Movies---Part II
        by Fernando F. Croce
News Briefs---
 Mortgage rates fall to new record lows
  Alphabet’s lease fleet beats 100,000-vehicle milestone
   Bankruptcy filings fall 14%, on track for pre-2008 levels
    Jobless claims drop by 14,000
     June adds 176,000 private jobs
      Rebound has arrived for Dallas-area home market
       Brazil's Embraer jets are sized right for U.S. market
        A smaller, cheaper Apple iPad could stymie competitors

Broker/Funder/Industry Lists | Features (collection)
Top Ten Stories Chosen by Readers | Top Stories last six months

  You May have Missed---
   SparkPeople--Live Healthier and Longer
    Sports Briefs---
     Baseball Poem
      California Nuts Brief---
       "Gimme that Wine"    
          This Day in American History
           Daily Puzzle
               Weather, USA or specific area
                 Traffic Live----

######## surrounding the article denotes it is a “press release” and was not written by Leasing News nor information verified, but from the source noted. When an article is signed by the writer, it is considered a “by line.” It reflects the opinion and research of the writer. It is considered “bias” as it is the writer’s viewpoint.

Please send Leasing News and ask them to subscribe. We are free! Send email to and put in subject line: subscribe


Warning: July 9th is the Virus Day

Leasing News wrote about this in April. It sounds like one of those annoying chain emails that show up from technically challenged acquaintances: "The FBI Will Take Your Computer Offline July 9 if it has A Virus! Visit This Site Immediately To Check!! Forward This to Everyone You Know!!!"

It is not a hoax---see Snopes (1)

The Federal Bureau of Investigation really has posted a warning on its site about the risk of "DNSChanger" malware, which really will result in your computer getting disconnected from the Web on July 9 if you don't clean it up. You won't be able to go online, and you'll need to contact your service provider for help getting the malware deleted before you can reconnect to the Internet.

Check your computer as hackers have already infected more than 570,000 computers worldwide, according to the FBI. The scam netted the hackers at least $14 million.

A few mouse clicks could mean the difference between staying online and losing your Internet connection.

The problem began when international hackers ran an online advertising scam to take control of infected computers around the world. In a highly unusual response, the FBI set up a safety net months ago using government computers to prevent Internet disruptions for those infected users. But that system is to be shut down.

Visit to find out whether your computer is infected. It is quick and easy.

If you think your computer is infected, visit to learn how to fix the problem.

(1) Snopes: True

Comprehensive personal property tax outsourcing services
We accept file exports and integrate personal property tax information with all lease management or accounting software. No other firm offers the combination of individual attention, software capabilities expertise, "full disclosure" and web port accessibility to information more than we do.

Click here to learn what our clients say about our service
Gary DiLillo, President 440.871.0555 or




Classified Ads---Collections/Controller

(These ads are “free” to those seeking employment or looking
to improve their position)


Port St Lucie, FL
20+ yrs exp. commercial collection/late stage specialist.
Prefer to work from home based office or transfer to Sarasota area | Resume


Chicago, IL
experienced in lease accounting, operations, management, and Sarbanes-Oxley. Seeking position with equipment lessor. Would consider contract assignments or relocating.
Southeastern, MI
Controller & Management experience w/ equip lessors &broker. MBA, CPA w/ extensive accounting, management, securitization experience with public and private companies. Willing to relocate.

Southern CA
20 years exp. as hands-on leasing CFO, managing accounting, treasury, FP&A, including securitizations, Great Plains/FRx, budgets, risk management.  MBA.  Also available as interim Controller/CFO, consultant.

Free Posting for those seeking employment in Leasing:

All “free” categories “job wanted” ads:


Please send Leasing News and ask them to subscribe. We are free! Send email to and put in subject line: subscribe



Marlin Amends Wells Fargo Capital Line
by Christopher Menkin

Marlin Receivables Corp. amended its $75 million three-year committed loan facility with Wells Fargo Capital Finance LLC pursuant to the first amendment to the loan and security agreement, dated as of Oct. 9, 2009. Changed is the "Applicable Marin" to mean 2.75% per annum and redefining "Base LIBOR Rate."

There are other changes in the contract including "an unused line fee...on the first day of each calendar quarter..." as well as "...(b) Lender shall have received (i) payment of the $200,000 closing fee set forth in the Fee Letter as being due and payable on the effective date of this Amendment, and (ii) payment for all of Lender’s reimbursable costs and expenses incurred in connection herewith (to the extent invoiced);"
     (1) Page 6

It is interesting that the copier division, which has produced the extra month income (and the actual net profit for Marlin) that (ee) that portion of the Net Investment in each Lease that has an original term greater than 63 months, but not greater than 72 months, which, when added to the Net Investment in all other such Leases that are not excluded by other items of this definition and not excluded by this item (ee), exceeds three percent (3%) of the Preliminary Total Eligible Leases;

"(ll) (i) that portion of the aggregate Net Investment in all Leases covering property that is included in an Equipment Type other than copiers, not excluded by other items of this definition, which exceeds ten percent (10%) of the Preliminary Total Eligible Leases, and (ii) that portion of the aggregate Net Investment in all Leases covering property that is included in the Equipment Type of copiers, not excluded by other items of this definition, which exceeds forty percent (40%) of the Preliminary Total Eligible Leases;"
     (1) Page 2

Copiers make up 35.26% of the December 21, 2011 Marlin Equipment category, up from 2010 at 33.12%.
     (page 8, 2011, 2010, SEC Filing)

"Our leases generally include renewal provisions and many leases continue beyond their initial contractual term. Based on the Company’s experience, the amount of ultimate realization of the residual value tends to relate more to the customer’s election at the end of the lease term to enter into a renewal period, purchase the leased equipment or return the leased equipment than it does to the equipment type. We consider renewal income a component of residual performance. Renewal income, net of depreciation, totaled approximately $7.5 million, $7.7 million and $7.2 million for the years ended December 31, 2011, 2010 and 2009, respectively. "
     (Pages 50 and 51, 10K SEC)

"As of December 31, 2011, there were $32.7 million of residual assets retained on our Consolidated Balance Sheet, of which $26.5 million, or 80.9%, were related to copiers. As of December 31, 2010, there were $37.3 million of residual assets retained on our Consolidated Balance Sheet, of which $30.6 million, or 82.0%, were related to copiers... Improvements in technology and other market changes, particularly in copiers, could adversely impact our ability to realize the recorded residual values of this equipment."
    (page 50, SEC filing)

Note: no mention of any possible change in states that require notification at the end of the initial lease agreement.

New Wells Fargo Agreement:

Southern California

Free initial consultation
Nationwide network of providers and client base.
Twenty-six years of leasing expertise, ranging from front-end transactional through collections, equipment & judgment recovery.

Phone: 951.443.4000 or
California Finance Lenders’ License specialist



Hudson Juggles Original Investment to $1 Billion in Assets

Steve Hudson has manipulated his original raising of capital to merge Element Financial Corporation, Toronto, Canada into a management company with total assets of $1 billion, he estimates, with the completion of the acquisition of 100% of TLSI Holdings Inc. ("TLS"), the holding company of TLS Fleet Management ("Transportation"), from Scotiabank and the company's other shareholders for aggregate consideration of $146.7 million plus debt (the "Acquisition"). The Acquisition provides Element with more than $460 million of lease assets.

(Scotiabank needs is looking for money, particularly with the class action lawsuit being approved regarding five thousand current and former Scotiabank employees who worked at Canadian branches from Jan. 1, 2000, to the present, who are seeking $350 million for unpaid overtime.)

Hudson also announced Element has increased its warehouse funding facilities to $75 million. With the new facility, he states Element has increased its available third party funding capacity from $355 million to $805 million.

"In 27 months, we have grown our finance asset portfolio from $6 million to approximately $1 billion while preserving credit quality and minimizing credit losses," he said in a company press release. "Our new funding facilities, together with the $87 million from our recent equity financing, provide Element with a strong balance sheet and position the Company for continued growth."

Element Financial stated "The approximately $522 million funding required to complete the Acquisition was satisfied through a combination of $122 million in cash and approximately $400 million advanced under a new securitization arrangement for the Transportation vehicles and lease assets. As part of the closing of the Acquisition, Element and TLS entered into arrangements with an affiliate of a Canadian Schedule I bank providing for the securitization of substantially all of TLS' vehicles and related lease assets (the "Securitization Arrangements"). Pursuant to the Securitization Arrangements, Element has sold to a newly formed limited partnership (the "Partnership") the eligible vehicles and lease assets owned by TLS, and the Partnership issued notes to the bank's securitization conduit to finance the purchase. The Partnership and related Securitization Arrangements have been established as a permanent funding structure to finance the securitization of future Element and TLS lease assets."

"Element Financial Corporation operates in three specific segments of the equipment finance market through Element Capital, a business unit operating in large ticket equipment leasing, Element Finance that currently originates equipment finance assets within specific segments of the mid-ticket equipment finance market through its four specialized groups: manufacturing and industrial, transportation and construction, healthcare and golf equipment, and Element Fleet which provides fleet leasing for vehicles, trucks and equipment together with value-added services. Each business vertical has national scope and coverage. Please see for Element's latest corporate presentation."




Six Month BBB Leasing Company Ratings

Changes since April 10, 2012

Chase Industries, Grand Rapids, Michigan, company "dissolved” in 2011, founder filed personal BK: BBB rates company A+ with many claims from vendors not paid as well as leasing companies and other creditors (removed from Leasing News list)

LCA is now an A from A+

US Bank Manifest is now an A from A+

Marlin moves from an A- to an A

Navitas moves from an A- to an A

Balboa moves from a B- to a B+

Varilease moves from a B- to a B

Business Leasing Northwest moves from an F to a "not rated"

Time Payment is rated C+ from “not rated”

---Bulletin Board Complaints and their BBB Ratings---

Ability Capital Solutions, Long Beach, California: A
ACC Capital, Midvale, Utah: not rated
Benchmark Financial, Aliso Viejo, California: F
Balboa Capital, Irvine, California: B-
iFinancial Group, San Clemente, California: A-

Liberty Capital, Aliso Viejo, California C

Marlin Leasing, Mount Laurel, New Jersey A
Jules and Associates, Los Angeles, California: A+
Matrix Business Capital, Long Beach, California: A
Newport Financial Partners, Newport Beach, California: B+
Radiance Capital, Tacoma, Washington: A+


--Accredited 12/16/1997
21st Century Leasing, San Diego, California

--Accredited 9/10/2000
Advantage Leasing Corporation Milwaukee, Wisconsin

--Accredited 4/01/2002
Allegiant Partners, San Rafael, California

Alliance Funding Group, Orange, California

--Accredited 9/01/2008
Arvest Bank Leasing, Fayetteville, Arkansas

--Accredited 8/27/1999
Axis Capital, Grand Island, Nebraska

Bankers Capital, Northborough, Massachusetts

BSB Leasing, Englewood, Colorado

--Accredited 6/20/1996
Charter Capital, Scottsdale, Arizona

Chase Industries, Grand Rapids, Michigan

CSI Leasing, St. Louis, Missouri

De Lage Landen Financial Services, Incorporated, Wayne, Pennsylvania

Direct Capital, Portsmouth, New Hampshire

--Accredited 3/10/2011
Financial Pacific, Federal Way, Washington

--Accredited 8/10/2011
Five Point Capital, San Diego, California

--Accredited 12/27/2010
Great America Leasing, Cedar Rapid, Iowa

Innovative Leasing Services, Inc Carlsbad, California carlsbad-ca-10008827/

--Accredited 7/20/2011
Jules & Associates, Los Angeles, California

---Accredited 1/2/1993
Key Equipment Finance aka KeyBank Headquarters Location

--Accredited 5/9/2003
Lease Corporation of America, Troy, Michigan

Accredited since 08/01/1997
Lease $mart, Oro Valley, Arizona  85737

---Accredited 4/30/2004
Mar Vista, Villa Park, California

Orion First Financial, Gig Harbor, Washington

Accredited since 09/02/1999
P&L Capital, Omaha, Nebraska 68137

Pawnee Leasing, Fort Collins, Colorado

---Accredited since 08/21/2007
Portfolio Financial Servicing Company, Portland, Oregon

---Accredited 8/20/2009
Providence Capital Funding, Brea, California

Radiance Capital, Tacoma, Washington

Southern California Leasing Inc., Tustin, California

---Accredited 03/03/1979
Steelcase Financial Services, Grand Rapids, Michigan

---Accredited 3/11/2005
Strada Capital Corporation, Laguna Hills, California

Studebaker-Worthington Leasing Corp., Jericho, New York

---Accredited 12/19/2007
Summit Funding Group, Cincinnati, Ohio

TCF Equipment Finance, Minnetonka, Minnesota

United Leasing, Evansville, Indiana


---Accredited 2/10/2007
Ability Capital Solutions, Long Beach, California

--Accredited 4/6/2010
Cornerstone Medical & Technology Finance, Lees Summit, Missouri, -lees-summit-mo-99153606

---Accredited 2/22/2011
Marlin Leasing, Mount Laurel, New Jersey

--Accredited since 12/13/2007
Matrix Business Capital, Long Beach, California

Mazuma Capital Corp., Salt Lake City, Utah

---Accredited 8/12/2010
Navitas Lease Finance Corp., Ponte Vedra Beach, Florida

Accredited since 04/01/1970
US Bank Manifest, Portland, Oregon


Celtic Leasing, Irvine, California

--Accredited 8/19/2011
iFinancial Group, San Clemente, California

Tristar Capital, Santa Ana, California 13137212


---Accredited 3/01/1997
American Capital Group, Inc., Irvine, California

Newport Financial Partners, Newport Beach, California


LEAF Financial Corporation, Philadelphia, PA

Varilease Finance, Inc., Salt Lake City, Utah


Balboa Capital, Irvine, California

Main Street Bank, Kingwood, Texas

C +

TimePayment Corporation


Liberty Capital LLC, Aliso Viejo, California


Barklay Capital, Inc., Costa Mesa, CA

Benchmark Financial Group, Aliso Viejo, California

Equilease Financial Service, Norwalk, Connecticut

Susquehanna Commercial Finance, Pottstown, Pennsylvania

NOT Rated Any More:

ACC Capital, Midvale, Utah
Closed, lenders running off portfolio residuals, according to Loni Lowder, president.

Atel Capital

Business Leasing NorthWest, Seattle, California

Enterprise Capital Partners dba Enterprise Leasing, Spokane, Washington

Icon Capital Group, Harrison, New York (Icon Capital now into gas and oil).

Somerset Capital Group, Milford, Connecticut
(This company was an A- in 2010. The site lists no complaints in the last 12 months or last three years. No explanation is given as to why it is “not rated.”)

TimePayment Corporation

Many banks and financial Institutions with leasing entities evidently do not have their leasing divisions separated from bank and financial institutions ratings. No rating was found on the leasing divisions.

Find your company's BBB listing by going to and using your zip code first for the right division.


New Hires---Promotions

Tom Bazies was appointed regional sales manager at Ascentium Capital, Kingwood, Texas, working out of the greater Philadelphia, Pennsylvania area. Previously he was business development manager Marline Business Services (May, 2011-June, 2012), sales manager, hot courses USA (March, 2010-May, 2011), business development manager, Education Dynamics, LLC (June, 2007- March, 2010), loan officer, First NLC Bank (January, 2007-June, 2007), territory manager, Canon Financial services (August, 2005-January, 2008)Salesianum School, Wilmington, DE (2001), Community College of Philadelphia Associates, Business Management, (2003), University of Phoenix Business Management (2004).

Steve DiJohn named account manager Ascentium Capital, Kingwood, Texas, working out of the Philadelphia area. Previously he was an account associate at CoActiv Capital Partners (2010-Present), clinical account manager, Yoh (October, 2008-December, 2009) business development associate, Octagon Research Solutions (May, 2007-October, 2008). Bloomsburg University of Pennsylvania B.A., Organizational Communication, Economics (2003 – 2007). Activities and Societies: BU Inline Hockey Team TKE

Katie Emmel was appointed Vice President, Product Management, International Decision Systems, Minneapolis, Minnesota. She joined the company in 1987 working in product management and support, with her previous position as senior director of product management. "She brings to the position extensive expertise on asset lease and loan software products, product strategy and client management. In her new position, Ms. Emmel will oversee the company’s current product portfolio and new product strategy.

“'Katie Emmel brings an impressive level of professionalism, leadership and client service to this role, as well as a tremendous knowledge of the industry,' said Michael Campbell, Chief Executive Officer of IDS.’Based on her past outstanding contributions, I’m confident in her ability to help us continue to drive success...

I’m proud to be part of a team focused on delivering industry-leading knowledge and solutions,' he continued. 'This is an exciting opportunity and I look forward to helping IDS continue to grow as a global market leader'.”

Tim Miller was appointed a business development professional for Ascentium Capital, Kingwood, Texas.

Brian Minjares named Commercial Equipment Lease Manager at TAB Bank, Ogden, Utah. Previously he was Sr. Credit Analyst, Pacific Western Equipment Finance (December, 2010-June, 2012), commercial lease analyst, Zions Credit Corporation (December, 2003-December, 2010), Portfolio manager, Irwin Union Bank (2001-2003). Westminster College MBA, Accounting (1999 – 2001), Brigham Young University Bachelor of Arts (B.A.), (1989 –1992) Fluent in Spanish

Jason Norton named Vice President, Product Development at TransUnion, Greater San Diego area, California. Previously he was president, safetyNET marketing (March, 2012-July, 2012), director of marketing, Five Point Capital (2010-2012), vice president, head of Online Expertise Optimization (HSBC North America (2010-2010), vice president, marketing (2008-2010), Associate vice president, strategic internet initiatives, HSBC Auto Finance (2007-2009), director and head of Marketing, Forwardline Financial (2006-2007), associate vice president, direct marketing, Countrywide Financial Corp (2005-2005), Marketing manager, Vision-X, Inc (2002-2004), consultant, Accenture (1998-2001). Creighton University MBA, Marketing, IT Management (1996 – 1998), Graceland University BA, Accounting, Business Administration, Economics (1992 – 1996), Chula Vista High School, diploma.




Privately-held lessor/broker in business since 2004 is looking to expand its Orange County and San Diego origination teams with experienced reps ready for a change. We offer clients a variety of traditional banking products including our 0% APR credit card. Our marketing efforts enhance both end user and vendor sales strategies, including proprietary technology, direct mail, and trade show support. Make the move today -
click this link
for more details.
Commercial Finance & Leasing Bank of Cardiff, Inc, a
finance lender licensed pursuant to the California Finance
Lenders Law, license #603G469

Dallas-Fort Worth
Seasoned Leasing professional in Dallas-Fort Worth area, experienced in 3rd party generated business. Must be highly ethical, self starter with a good understanding of financials and able to produce immediately and consistently. Generous commissions paid and
benefits after initial trial period.

Please submit resume to
Contact: Ron Mitchell 214-615-0667 direct


Exp. only, 1 Southeast, 1 West Coast
Looking to Expand Your Career
Base Salary & Commission
resumes to :
Stable, profitable independent lessor, 30 years in business,
Chicago suburbs


For information on placing a help wanted ad, please click here:

Please see our Job Wanted section for possible new employees.

Send Leasing News to a Colleague. We are free!!!


2012's Best Franchise Deals


Bojangles’ Famous Chicken ‘n Biscuits

Total U.S. Unit Count: 506 / 310 franchised
Franchise Fee: $25,000
Total Start-Up Costs: $357,000–$553,750
Royalty: 4% of gross sales
Renewal Fee: $12,500
Marketing Fee: 1% of gross sales

Bruegger’s Bagels

Total U.S. Unit Count: 301 / 105 franchised
Franchise Fee: $30,000
Total Start-Up Costs: $359,600–$448,600
Royalty: 5% of gross sales
Renewal Fee: 25% of then-current franchise fee
Marketing Fee: 1.5% of gross sales

Dickey’s Barbecue

Total U.S. Unit Count: 218 / 203 franchised
Franchise Fee: $15,000
Total Start-Up Costs: $63,000–$395,000
Royalty: 5% of net sales
Renewal Fee: $10,000
Marketing Fee: 4% of net sales

Freddy’s Frozen Custard & Steakburgers

Total U.S. Unit Count: 58 / 49 franchised
Franchise Fee: $25,000
Total Start-up Costs: $395,000–$835,000
Royalty: 4.5% of gross sales
Renewal Fee: 1⁄3 of then-current license fee
Marketing Fee: .25% of gross sales

Moe’s Southwest Grill

Total U.S. Unit Count: 451 / 435 franchised
Franchise Fee: $30,000
Total Start-Up Costs: $450,615–$768,843
Royalty: 5% of net sales
Renewal Fee: 10% of then-current franchise fee
Marketing Fee: 4% of net sales

Newk’s Express Café

Total U.S. Unit Count: 45 / 38 franchised
Franchise Fee: $40,000
Total Start-Up Costs: $752,000–$1,054,500
Royalty: 5% of net Sales
Renewal Fee: None
Marketing Fee: .5% of net sales

Popeyes Louisiana Kitchen

Total U.S. Unit Count: 2,035 / 1,587 franchised
Franchise Fee: $30,000
Total Start-Up Costs: $306,300–$371,100 for a freestanding unit
Royalty: 5% of gross sales
Renewal Fee: $15,000
Marketing Fee: 4% of gross sales


Total U.S. Unit Count: 99 / 96 franchised
Franchise Fee: $30,000–$35,000
Total Start-Up Costs: $375,628–$536,594
Royalty: 5% of gross sales
Renewal Fee: $17,500
Marketing Fee: 3% of gross sales


Total U.S. Unit Count: 152 / 83 franchised
Franchise Fee: $40,000
Total Start-up Costs: $500,000 approx.
Royalty: 5–6% of net sales
Renewal Fee: None
Marketing Fee: 2% of net sales


Total U.S. Unit Count: 24,722 / all franchised
Franchise Fee: $15,000
Total Start-up Costs: $84,800–$258,300
Royalty: 8% of gross sales
Renewal Fee: None
Marketing Fee: 4.5% of gross sales

Full Story:



#### Press Release ##############################

Signature Bank President and Chief Executive Officer Earns Gold Stevie® Award
in 10th Annual American Business Awards

Joseph J. DePaolo Named Executive of the Year in Accounting,
Banking and Financial Services Category

President and CEO Joseph DePaolo

NEW YORK—-- Signature Bank (Nasdaq: SBNY), a New York-based full-service commercial bank, announced today that its President and Chief Executive Officer Joseph J. DePaolo was named executive of the year in the accounting, banking and financial services category of the 10th Annual American Business AwardsSM. This resulted in DePaolo earning the gold Stevie ®Award for that category.

DePaolo received an honorary nomination to the best executive category. Each year, the Stevie Awards, sponsor of the world's premier business awards programs, automatically nominates a very few of America's best executives into The American Business Awards competition, and DePaolo was selected for the submission.

The American Business Awards are the nation’s premier business awards program. All organizations operating in the U.S. are eligible to submit entries including public and private, for-profit and non-profit, large and small. This year, more than 3,000 entries from companies of all sizes and in virtually every industry were submitted for consideration across 100+ categories.

“We are delighted that Joe was among the select handful of executives from across the country to be chosen as an honorary nominee, and subsequently, that the judges deemed him the gold winner in the banking category. He is truly a distinguished colleague, partner and leader. Joe he has made a significant contribution to the growth of relationship banking via Signature Bank,” noted Scott A. Shay, Chairman of the Board.

“Signature Bank has grown to more than $15 billion in assets, purely organically in just 11 years, by focusing on the relationship component of personal banking through its single-point-of-contact approach. I can attest that it’s not just Joe’s management skills which set him ahead of the pack, but also the level of dedication, commitment and passion that he brings to the Bank everyday, which is inspiring to all our colleagues. We thank the judges and the Stevie Awards for acknowledging Joe’s banking expertise with this prestigious recognition,” Shay concluded.

The Stevie Awards were presented during ceremonies held at the Marriott Marquis Hotel in New York City on June 18, 2012. The ceremonies were hosted by Cheryl Casone of Fox Business Network and broadcast nationwide on radio by the Business TalkRadio Network. More than 270 executives across the country participated in the judging process to determine the Finalists and Stevie Award winners.

About The Stevie Awards
Stevie Awards are conferred in four programs: The American Business Awards, The International Business Awards, the Stevie Awards for Women in Business, and the Stevie Awards for Sales & Customer Service. Honoring organizations of all types and sizes and the people behind them, the Stevies recognize outstanding performances in the workplace worldwide. Learn more about the Stevie Awards at

About Signature Bank
Signature Bank, member FDIC, is a New York-based full-service commercial bank with 25 private client offices throughout the New York metropolitan area. The Bank’s growing network of private client banking teams serves the needs of privately owned businesses, their owners and senior managers. Signature Bank offers a wide variety of business and personal banking products and services. The Bank operates Signature Financial, LLC, a specialty finance subsidiary focused on equipment finance and leasing, transportation financing and taxi medallion financing. Investment, brokerage, asset management and insurance products and services are offered through the Bank’s subsidiary, Signature Securities Group Corporation, a licensed broker-dealer, investment adviser and member FINRA/SIPC.

### Press Release ############################


Mr. Terry Winders available as a consultant regarding assisting attorneys in resolving disputes or explaining procedures or reviewing documents as utilized in the finance and leasing industry.

He is the author of several books, including DVD's, as well as weekly columnist to Leasing News. He also performs audits of leasing companies as an expert on documentation, and has acted as an expert witness on leasing for litigation in legal and tax disputes, including before the IRS. He also has taught the senior bank examiners, how to review a bank leasing department, for the Federal Reserve in Washington D.C. and has trained the examiners for the FDIC on how to prepare a lease portfolio for sale.


(This ad is a “trade” for the writing of this column. Opinions
contained in the column are those of Mr. Terry Winders, CLP)




### Press Release ############################


Former NFL Wide Receiver Sentenced For Lying to a
Federal Grand Jury during an IRS Criminal Investigation

Santa Ana, CA – Johnnie Morton Jr., former wide receiver for the Detroit Lions, Kansas City Chiefs and San Francisco 49ers, was sentenced in United States District Court for lying before a federal grand jury to two years probation.

"While attending the University of Southern California, Morton played for the USC Trojans football team from 1990 to 1993. He broke twelve USC team and Pacific-10 Conference records for receptions and receiving yards. Morton was nicknamed "Johnnie Hero" by USC broadcaster Pete Arbogast, thanks to a game-winning touchdown pass Morton caught in the 1990 USC-UCLA rivalry game—a 23-yard strike from Trojans quarterback Todd Marinovich with 16 seconds left that gave the Trojans a 45-42 come-from-behind victory....His best season statistically was during the 1999 season when he had 80 receptions for 1129 yards on a surprising Lions team that made the playoffs that year, despite the unexpected retirement of Barry Sanders. All told, Morton finished his pro career with 624 receptions for 8719 yards and 43 touchdowns. He currently ranks second on Detroit's all-time list in both receptions and yards-receiving, with 469 and 6,499, respectively." ((He has done some modeling and acting work, including an appearance playing himself in the film Jerry Maguire. (August 10, 2005)

Johnnie Morton Jr., 40, of Redondo Beach, California, testified under oath before a federal grand jury in Santa Ana, California on September 30, 2009. The grand jury was inquiring into possible violations of federal money laundering laws by a business associate of Morton’s, Neang Chhorvann.

Neang AKA: Nick Chhorvann, 32, of Bishop, California, pleaded guilty to one count of money laundering, including a purchase of a Lamborghini Murcielago on March 29, 2011. Chhorvann was scheduled to be sentenced on August 8, 2011 but failed to appear. A warrant has been issued for his arrest.

During Morton’s grand jury testimony, Morton testified that he did not have any business dealings with Chhorvann, but gave Chhorvann a few hundred thousand dollars as a personal loan. Morton also stated in his grand jury testimony that he did not know an unidentified business associate of Chhorvann and the business Titan Water System.

Morton later admitted that he lied in his testimony before the grand jury. According to the plea agreement, throughout 2007, Morton gave Chhorvann over $2 million to be invested for a profit by Chhorvann. These payments included direct transfers to Chhorvann’s bank accounts and payments to car dealerships for automobile purchases by Chhorvann.

Morton also admitted that he called a third unidentified business associate of Chhorvan’s at the direction of Chhorvan. Morton purported to be a potential investor interested in a company called Titan Water System, in an attempt to lull the business associate for Chhorvann. Morton was aware at the time of the call that the business associate had invested approximately $500,000 with Chhorvann.

Neang AKA: Nick Chhorvann is currently a fugitive and facing a maximum sentence of 10 years imprisonment. If you have any information regarding his whereabouts, please contact the U.S. Attorney’s Office.

The investigations of Johnnie Morton Jr. and Neang AKA: Nick Chhorvann was conducted by IRS-Criminal Investigation and the United States Attorney’s Office in Santa Ana.

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Labrador Retriever
Tallahassee, Florida Adopt-a-Dog

Rough Rider (named by rescuers)

Status: Available
Mix: Pure
Sex: Male
Born: 8 years old (as of 3/2012)
Weight: 83 pounds

"Rough Rider ("Rider") is an 8 year old, very handsome black Labrador. At 83 pounds, he is a pretty solid and muscular dog. Rider is now in great shape, but that was not the case when he first came to Big Dog Rescue. He had either jumped or fallen (or was pushed?) from a truck and had rolled hard along the road ... hence the name "Rough Rider." His entire body was covered with bruises and road rash sores. He also hyperextended his front legs in the fall. He spent weeks recovering from this ordeal, especially the hyperextension - a very painful condition that made him lame for some time. We think he SO deserves a second chance at this point!

Rider has The Best temperament: he is a sweet, loyal and affectionate boy who loves people. He is very gentle and calm - not boisterous like some Labs. He is a wonderful house dog: a couch potato who loves walks but is also happy to hang out at home. Although he is 8 years old, he behaves like a much younger dog so please do not let it put you off! This fella is healthy, active and loves to play. He gets along great with other dogs and with cats, and he loves kids. He is housetrained and crate trained. Rider is neutered, vaccinated, heartworm negative and microchipped. Adoption fee $100. Fostered by Dee Ann.

Foster Parent: Dee Ann
Big Dog Rescue


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Movie Reviews
By Fernando F. Croce

Fourth of July edition

As we continue our Fourth of July special, here we look at a few more prime choices for patriotic movies. So get some popcorn ready, check out Netflix, and salute these classic moments of flag-waving cinema

Hail the Conquering Hero (Preston Sturges, 1944): For some 4th of July laughs, you can’t go wrong with a comedy from the legendary Preston Sturges. This classic tells the rib-tickling tale of Woodrow (Eddie Bracken), a soldier who, at the height of World War II, gets discharged due to a bout of hayfever. Ashamed to go back to his hometown, he runs into a group of Marines led by gruff Sgt. Heppelfinger (William Demarest), who come up with a war story so Woodrow can retain his dignity. When the entire town welcomes him as a hero and even the Mayor offers him a new position, however, the charade becomes increasingly hard to keep up. A wonderful reminder that humor is as much a staple of a great nation as courage.

The Best Years of Our Lives (William Wyler, 1946): With WWII over, Hollywood felt the need to turn its sights back home to reassure the civilians the as well as the returning veterans. This Oscar-winning drama looks with great skill and sensitivity at the re-adjustment of a trio of military men as they reenter society. Al (Fredric March) has a devoted wife (Myrna Loy) and a good business, but finds the economic climate at odds with recognition of his fellow war vets’ efforts. Fred (Dana Andrews) struggles to deal with a rocky marriage and battlefield memories, while Homer (real-life paratrooper Harold Russell) faces emotional and physical challenges. William Wyler directs a superb cast in this stirring portrait of a nation’s postwar pain and healing.

Saving Private Ryan (Steven Spielberg, 1998): There are countless fine American movies dealing with courage during wartime, but to many modern viewers this modern classic from Steven Spielberg may stand at the very top of the list. Kicking off with an unforgettable vision of the bloodshed and sacrifice of the D-Day landing near the end of World War II, it depicts the odyssey of a group of soldiers, led by Capt. John Miller (Tom Hanks), as they venture into enemy territory in a dangerous mission: To rescue Private Ryan (Matt Damon), a paratrooper whose brothers were killed in action. With masterly camerawork and often overpowering emotions, Spielberg offers an indelible portrayal of bravery in the face of horror that’s both inspiring and haunting.

Air Force One (Wolfgang Petersen, 1997): What country wouldn’t feel safe with Indiana Jones himself calling the shots? Harrison Combining strength of character with a penchant for brave action, Ford is perfectly cast as America’s dream President in this crack action hit from thriller specialist Wolfgang Petersen (“Outbreak”). An ex-marine and gruff family man, he finds himself stranded with the enemy thousands of feet up in the air when foreign rebels (led by Gary Oldman) take control of the titular presidential airplane. Boasting tightly directed suspense and a rock-solid supporting cast that includes Glenn Close, William H. Macy and Dean Stockwell, it’s smarter-than-your-average-blockbuster fare graced by Ford’s almost Gary Cooper-like sense of integrity.

Flags of Our Fathers (Clint Eastwood, 2006): One of modern screen’s most enduring stars, Clint Eastwood has also become one of American cinema’s most fascinating and adventurous filmmakers. In this deeply moving WWII drama, he chronicles the fates of the young soldiers who in 1945 raised the flag at the battle of Iwo Jima. With their historic moment captured in a famous photograph, John Bradley (Ryan Phillippe), Rene Gagnon (Jesse Bradford), and Ira Hayes (Adam Beach) quickly become national heroes and media superstars. But at what price has their fame come? With a camera that never flinches from either battlefield brutality or the dark moments of a man’s soul, Eastwood creates a trenchant, profoundly humane portrait of troubled, brave men.

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This Day in History

        1526 -The first European settlement in what is now located in South Carolina, San Miguel de Guadalupe, was established by Lucas Vazsquez de Vyllon, who led some 500 or 600 settlers from Hispaniola to this coast location.  The site of the settlement was thought to be just north of the Peedee Rive.  Many of the settlers died of fever. After Ayllon succumbed himself on October 18, the approximately 150 surviving settlers returned to Hispaniola.  The Spanish were the first group interested in this part of the America's, Juan Ponce de Leon discovering Florida, claiming it for the King of Spain. Members of his expedition reached the Mississippi River, and Juan Rodriquez Cabrillo not only went as far as Mexico, but in 1542, also landed near what is now Ballast Point, San Diego, then discovered Santa Catalina Island, San Pedro Bay, the Santa Barbara Channel, and other West Coast landmarks, which bear the names he gave them today.
    1747-American naval officer born at Kirkbean, Scotland. Remembered for his victory in the battle of his ship, the Bonhomme Richard, with the British frigate Serapis, Sept 23, 1779. When Jones was queried: "Do you ask for quarter?" he made his famous reply: "I have not yet begun to fight!" Jones was victorious, but the Bonhomme Richard, badly damaged, sank two days later. Jones died at Paris, France, July 18, 1792.
    1757 –Birthday of William McKendree, colonial American church leader. In 1808 he was ordained the first American-born bishop of the Methodist Episcopal Church.
    1776-The Pennsylvania Evening Post of Philadelphia, PA  was the first newspaper to publish the Declaration of Independence.
    1847—Birthday of Ellen Martin Henrotin - wealthy U.S. widow who used her money to make the 1893 Chicago World's Fair the national focal point for feminist activity.     Most importantly, she lead a committee that forced the closing of hundreds of brothels in Chicago and brought about the downfall of the flourishing "white slavery" trade in which women were kidnapped into prostitution.
    1865-Birthday of  Mina Miller , the seventh of eleven children. She met Thomas Edison at the home of a mutual friend of her father and Edison, the inventor Ezra Gilliland. Her future husband claims he taught her Morse code so that they could converse in secret, even while the family watched. This is how Edison claims he proposed marriage and how she responded "yes." The two married on February 24, 1886. The couple moved into Glenmont, the Edison's' new home, after their honeymoon in Florida. At age twenty, the new Mrs. Edison became a stepmother to Mary's three children. It was not an easy task. She was less than ten years older than stepdaughter Marion.    Although Mina tried to nurture her new family, Marion later described Mina as "too young to be a mother but too old to be a chum." Her role as Mrs. Thomas Edison was also difficult: Edison frequently stayed late at the laboratory and forgot anniversaries and birthdays. Yet he seemed to love his "Billie." A note found in one of Mina's gardening books reads, "Mina Miller Edison is the sweetest little woman who ever bestowed love on a miserable homely good for nothing male (sic)" As Thomas Edison supervised his "muckers" down the hill (at his laboratory), Mina hired and supervised a staff of maids, a cook, a nanny and a gardening staff. She even called herself the "home executive." After 1891 she, not her husband, owned the house. (This protected the house from being seized to pay Edison's debts if he went bankrupt.).Four years after Edison died, Mina married childhood sweetheart Edward Everett Hughes. The two lived in Glenmont until Hughes died in 1940, when she once again adopted the name of Mrs. Edison. She lived at Glenmont until her death on August 24, 1947.
    1858- Lyman Reed Blake of Abington, MA, obtained patents for the McKay stitching machine, which revolutionized shoe manufacturing, creating a new industry for New England, providing inexpensive and well-made footwear.  The upper was lasted upon the insole by means of tacks driven through the insole and clinched against the steel bottom of the last. The outsole was then attached to the insole and upper by the McKay sewing machine, which made a chain stitch through and through to the inside of the shoe. the surface of the insole was then covered by a lining.  The machine was first put in use by William Potter and Sons, Lynn, MA, in 1861. It was probably foot powered.
    1899-Birthday of Mignon G. Eberhart - U.S. mystery writer whose writing career spanned 57 years (1929-1988) and included 59 books. She commonly used brave - plucky - women in exotic locations. Many of her books became Hollywood movies. 
    1871- The first baseball game between an all-white team and an all-African American team was played in Chicago, IL.  The African-American Uniques beat the Alerts by a score of 17-16.
    1921—Birthday of Nancy Davis Reagan, former First Lady, wife of  the late Ronald Reagan, 40th president of the US, born New York, NY.
    1925—Birthday of TV host, singer, entertainer, business executive Merv Griffin, born San Mateo, Ca.  He got his first start here in San Francisco on my old alma mater KRFC
on the Old Don Lee Network.
    1928 --At Potter, NE, severe thunderstorm drops huge hailstones. One measured 5.5 inches in diameter, with a circumference of 17 inches and weighed 1.5 pounds!
Paul McCartney met John Lennon for the first time when Lennon's band, The Quarrymen were playing at a church social. In the church basement between sets, 15 year old McCartney teaches a 16 year old Lennon to play and sing Eddie Cochran's, "Twenty Flight Rock" and Gene Vincent's "Be-Bop-A-Lula". Lennon would later say that he was impressed with McCartney's ability to tune a guitar. 
    1932- Singer Della Reese Birthday
    1933- Babe Ruth became the first to hit a home run in an All-Star game.
    1933-Major League baseball Holds First All-Star Game: The first midsummer All-Star Game was held at Comiskey Park, Chicago, IL. Babe Ruth led the American League with a home run, as they defeated the National League 4-2. Prior to the summer of 1933, All-Star contests consisted of pre- and postseason exhibitions that often found teams made up of a few stars playing beside journeymen and even minor leaguers.   
    114ø F (46ø C), Moorhead, Minnesota (state record) 
    1936 ---121ø F (49ø C), Steele, North Dakota (state record)
    1946—“43,” George W. Bush, 43rd president of the US, former govern or Texas, born New Haven, CT.
    1946—Birthday of Sylvester Stallone, actor, director, born New York, NY.
    1947---Top Hits
Peg o' My Heart - The Harmonicats
I Wonder, I Wonder, I Wonder - Eddy Howard
Chi-Baba, Chi-Baba - Perry Como
It's a Sin - Eddy Arnold
    1947 - Allen Funt debuted with "The Candid Microphone" on ABC Radio. Later, on August 10, 1948, "Candid Camera" became a smash TV hit and made Funt a star. Funt also produced the film "What Do You Say To A Naked Lady?" using his hidden camera concept.
    1949—The Quiz Kids premiered and my good friend Ken Kelly of Goodwill and the Salvation Army, was one of the winners. This show began on radio and continued on TV with the original host, Joe Kelly, and later with Clifton Fadiman. The format was a panel of five child prodigies who answered questions sent in by viewers. Four were regulars, staying for weeks or months, while the fifth was a "guest child." The ages of the panelists varied from 6 to 16.
    1953- “Name That Tune” was a musical identification show that appeared in different formats in the 50's and the 70's. Red Benson was the host or the NBC series and Bill Cullen (and later George DeWitt) was the CBS host. Two contestants listened while an orchestra played a musical selection, and the first contestant who could identify it raced across the stage to ring a bell. The winner of the round then tried to identify a number of tunes within a specific time period. After 11 years, the show was brought back with Richard Hayes as host. In 1974, new network and syndicated versions appeared.
    1955---Top Hits
Rock Around the Clock - Bill Haley & His Comets
Cherry Pink and Apple Blossom White - Perez Prado
Learnin' the Blues - Frank Sinatra
Live Fast, Love Hard, Die Young - Faron Young
    1955—Governor William Grant Stratton of Illinois signed into law a state requirement that all automobiles be equipped with frame holes to which seat belts could be fastened,
the first state to mandate this requirement. .  The law also required that no new motor vehicle could be registered unless equipped with seat belt attachments conforming to the specifications of the Society of Automotive Engineers.
    1955- "Baby Let's Play House" becomes Elvis' first single to place on the national charts and hits #10 on the Country & Western charts.
    1955--A landmark in music history is established on July 9th, when Bill Haley's "Rock Around The Clock" reaches number one on the Billboard chart. Many music historians will eventually acknowledge the song as a dividing line, separating Rock and Roll from everything that preceded it.
    1957-Althea Gibson of the US became the first black person to win any Wimbledon title when she beat Darlene Hard, also of the US, 6-3, 6-2 to win the women's singles championship.
    1957-Paul McCartney met John Lennon for the first time when Lennon's band, The Quarrymen were playing at a church social. In the church basement between sets, 15 year old McCartney teaches a 16 year old Lennon to play and sing Eddie Cochran's, "Twenty Flight Rock" and Gene Vincent's "Be-Bop-A-Lula". Lennon would later say that he was impressed with McCartney's ability to tune a guitar.
    1961—The Count Basie and Duke Ellington Band record together for the first time.
    1963-Two weeks after being released, The Surfers' classic surf tune "Wipe Out" cracks the Billboard Hot 100 on its way to number two. The song was recorded as a "filler" in just two takes, but would stay in the Top 40 for ten weeks. 
    1963-Three members of The United States Marine Corps at Camp LeJeune, North Carolina, who called themselves The Essex, had the number one song on Billboard's chart with "Easier Said Than Done". It was a tune that the group would later confess none of them really liked. In the studio, they rushed through the recording, intending the track to be the "B" side of their first single.
    1963-James Brown went to #2 on the US album chart with "Live At The Apollo". The LP spent a total of 33 weeks on the chart. 
    1971---Top Hits
It's Too Late/I Feel the Earth Move - Carole King
Indian Reservation - Raiders
Treat Her Like a Lady - Cornelius Brothers & Sister Rose
When You're Hot, You're Hot - Jerry Reed
    1961- Cecil Francis Poole became the first black US state's attorney when he was sworn in as US attorney for the Northern District of California. He served until his retirement on Feb 3, 1970. 
    1963---Top Hits
Sukiyaki - Kyu Sakamoto
Blue on Blue - Bobby Vinton
Easier Said Than Done - The Essex
Act Naturally - Buck Owens
    1970- California became the first state to adopt a “no fault” divorce law.  It allowed divorces in cases of incurable insanity and irreconcilable differences.  The divorce rate of more than 1 million a year was reached in 1975, when 1,036,000 divorces were granted.
    1974-The Hues Corporation had the top tune in the US with "Rock the Boat".
    1977->Peak of 10 day heat wave with 100 in Washington, D.C.
    1979---Top Hits
Ring My Bell - Anita Ward
Bad Girls - Donna Summer
Chuck E.'s in Love - Rickie Lee Jones
Amanda - Waylon Jennings
    1981 - The Dupont Company of Wilmington, Delaware announced their intent to purchase Conoco, Inc. (Continental Oil Co.) for seven billion dollars. For that time, the merger was the largest in corporate history. Until a final sum of $7.7 billion closed the deal, the bargaining continued. The result of the merger was the creation of the seventh largest industrial company in the United States. 
     --Pocatello, Id sets new record with 35, coldest for July
    1987---Top Hits
I Wanna Dance with Somebody (Who Loves Me) - Whitney Houston
Alone - Heart
Shakedown - Bob Seger
That was a Close One - Earl Thomas Conley
    1994---Top Hits
I Swear- All-4-One 
Regulate (From "Above The Rim")- Warren G 
Any Time, Any Place/And On And On- Janet Jackson
Don t Turn Around- Ace Of Base    
    1998-Korean Se Ri Pak rolled in an 18-foot birdie putt to defeat amateur Jenny Chuasiriporn on the  second hole of sudden death and win the 1998 US Women's Open at Blackwolf Run GC in Kholer, WI.  The two golfers had finished the regulation 72 holes tied at six-over-par and had battled evenly at two-over— through an 18-hole playoff.  Both pared the first extra hole, the first sudden-death hold in the history of the tournament. By winning, Pak became the youngest Open champ in history at 20, and only the second golf on the LPGA tour to win two major championships in her rookie year.  Her earlier victory had come in the McDonald's LPGA Classic.
    2001 --Playing in the 101st different park since 1876, the Cubs beat the Tigers in Comerica Park, 15-8. The Cubs win for the first time in Detroit in 56 years dating back to Game 3 of the 1945 World Series when Claude Passeau's threw a 3-0 shutout in Briggs Stadium.
    2002-- Daryle Ward becomes the first player in the brief history of
Pittsburgh's PNC Park to hit the Allegheny River on the fly. His fifth inning towering grand slam, which is estimated to travel 479 feet, help the Astros to rout the Pirates, 10-2.




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