Escolar Documentos
Profissional Documentos
Cultura Documentos
+.
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1755 Oregon .
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i,
Manheim Township police ar!
i rested a Conestoga man Thursday
i , n$ht on charges that he erased
.'.
1 ormation from a township company's computers, stole files and
. I damaged equipment.
Stanley J. Caterbone, 29, of
2323 New Danvilie Pilte. . was
I
, charged with btsrglary, thetl, un,f l a d u l restraint, robbery, unlawuse of a computer, criminal
I..., . . ful
mischief and terroristic threats.
' ~ e t e c t i v eLarry ~ a k i said
s
- w e . victim, Financial ManageI'
$60 Wo-as
.I
1.
I
i'
,'
EX-~orkei,Charg&d
In Bvrglgry
.
at Firm
,
crimes.
He also was servgl a warrant'
for terroristic threats tn a case Invoivin another female employee ,
ofthe-firm. .
.
CAterbone, a former 'employ. /
ee of the coppany, was commit- ,
ted to prLson 1n l ~ e u
of $20,OW bar\.. :I
:.
'A:
10/19/2006
The suspect also was served a warrant for terroristic threats in a case involving another
female employee of the firm. Caterbone, a former employee of the company, was committed to
prison in lieu of $20,000 bail.
Lancaster Online
1 of 2
http://nl.newsbank.com/nl-search/we/Archives?p_action=doc&p_docid...
Kauffman suddenly resigned as FMG president last month after becoming increasingly frustrated with what he said was the board's failure to follow his
lead in policy matters affecting the company's future. The board, in turn, says Kauffman had grown secretive, steadfastly refused to share power and had
begun to stray too far from the company's original business plan.
Employees say the truth probably lies somewhere in the middle and liken the split to a marriage between good people who could no longer live together.
Kauffman is the last of the Lancaster investment advisory firm's three founders to quit. Stan Caterbone and Mike Hartlett, who along with Kauffman
formed FMG four years ago, are also no longer with the company. Kauffman and Hartlett still each own more than 20 percent of FMG.
Kauffman's departure raises some questions about FMG's future. Kauffman, 36, is expected to start another financial services firm and, reportedly, as
many as six FMG employees are likely to follow him. Kauffman was known for his entrepreneurship, and colleagues say one of his best qualities was his
ability to generate new ideas.
Kauffman says FMG's board members were after money, power and prestige, and that they sought control of the firm he had helped to make a success.
He calls the events leading up to his resignation "saddening."
"All of these people, eight, nine, 10 years ago, I brought into the business," Kauffman said, "They were nobodies. I taught them how to make money, I
resurrected their personal lives, I told them they could be something. I helped them become managers and eventually they stabbed me in the back. It's a
human tragedy of sorts."
Kauffman says that, besides holding all of the management titles, he was FMG's top producer. He has more than 200 clients. Kauffman says the board
seemed to resent the fact that he took a salary on top of his commissions.
The company's new management team includes Alan Loss, chairman of the board and chief executive officer, Pete Poneros, executive vice president,
Harry Radcliffe, president, and Dan Moyer, secretary-treasurer.
The four men deny they ousted Kauffman just so they could run the firm, and say they wished Kauffman's departure could have been more amicable.
"Nobody's gloating about this," Loss says, "and nobody wants to be vindictive."
They say they will, for the time being, run the firm by committee. "At some point, once everything is finalized and we know just what the cash flow is and
the profitability, we may hire a non-producing person to run the company," said Loss, "but right at this point we have determined that we don't want any
one person to have that kind of power."
Radcliffe said the board is concerned that the public will get the impression that FMG's internal corporate problems may spill over into its day-to-day
business.
"This does deeply concern me," he said, "from the standpoint that people could be overly disturbed by something that's not a problem."
The changes have cost the firm money, the board concedes, but so far have not had a negative effect on clients.
As for Kauffman, he says FMG will no doubt succeed.
"While I think that building a sales organization from scratch to the point at which FMG is, is a unique talent," he says, "it's not such a unique talent to take
it from where it is now and go on. And I suspect that while maybe only a few people could get it where it is, there are many who could take it from here."
Whatever he does from now on, Kauffman says his view of investing has not and will not change.
"Quality investments are bought for the long term," Kauffman says. "I talk with people 60 years old and they never tell me they made their money buying
and selling stocks or doing options or using margin accounts or buying penny stocks or buying junk bonds. Nobody ever tells me that. You buy quality and
you hold it."
Kauffman says he has also not waivered in his view of what the financial business should look like.
10/10/2015 3:46 PM
Lancaster Online
2 of 2
http://nl.newsbank.com/nl-search/we/Archives?p_action=doc&p_docid...
Kauffman, who worked for many years at what is now American Express' IDS subsidiary _ along with the two other FMG founders _ opened FMG as a
full-service, umbrella financial services company offering planning, stocks, bonds, CDs, accounting and legal services all under one roof. FMG also made
a name for itself marketing real estate syndications.
He still believes that's the future.
10/10/2015 3:46 PM
1 of 3
http://www.teamemerald.com/about-us/our-team
INDIVIDUAL INVESTORS
INVESTMENT PROFESSIONALS
INVESTMENT STRATEGIES
OUR TEAM
HOME \ ABOUT US \ OUR TEAM
About Us
MEDIA LIBRARY
12/22/2016 11:52 AM
Joseph E. Besecker
Chairman, President and CEO
Mr. Besecker is Founder, Chairman, President and CEO of Emerald Asset Management, Inc., parent
company to Emerald Advisers, Inc. He has over 30 years of experience in the money
management business. Mr. Besecker has led Emerald from a start-up investment/research firm in
1991 to a diversified asset management firm with over $4 billion under management today, listed
by Pensions & Investments as one of the largest money managers in the U.S. ranked by
institutional tax-exempt assets. From an initial three employees in 1991, Emerald and its
subsidiaries have grown to more than 40 employees located in offices in King of Prussia,
Pittsburgh, and its new corporate headquarters in Leola, PA. Mr. Besecker has been a key investor
and provided expertise to a number of early-stage venture capital projects and has been
recognized for his achievements in the venture capital community with nominations as a finalist of
both the Ernst & Young Entrepreneur of the Year Award and Enterprise Entrepreneur of the Year
Award. Mr. Besecker appears frequently in the national financial media, including The Wall Street
Journal, The New York Times and USA Today and has been a regular contributor to CNBC, Fox
Business News and Bloomberg. He has received national recognition for his work as an
investment analyst, including being named as a Home Run Hitter by Institutional
Investor magazine and lecturing at Oxford University. Mr. Besecker strongly believes in giving
back to the community and has served as a National Trustee and Past President of the Leukemia &
Lymphoma Society and as a board member of the Boys and Girls Club (Lancaster, PA). Under his
leadership Emerald was named the Corporate Citizen of the Year in 2005 by the Central
Pennsylvania Business Journal. Mr. Besecker and his wife Martha have four children: Jeb, John,
Liam and Lily.
Daniel W. Moyer, IV
Offices
Global Headquarters
3175 Oregon Pike
Leola, PA 17540
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610 Freedom Business Center Drive, Suite 215
King of Prussia, PA 19406
610-337-9230 | map
Pittsburgh Office
100 Kingston Drive
Wilkins Township, PA 15235
412-816-1776 | map
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Call Us
Client Services and General Information
1-800-722-4123
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1-855-828-9909
Email Us
General Inquiries
Institutional Client Services
Groundhog Day Information
Employment Inquiries
10/19/2006
Name
$0.50
$5.00
Bavera. J e r r y
Braverman, Richard
Caterbone, Stanley
Clark, Glenn
Coho, T h e b e 8 .
H a r t l e t t , Michael
Kauffman, Robert
Kennedy. David
Long. Robert
Loss, Alan
Loss. Nathan
Ncnell, Linda
Oischger, Donald E.
Paneros, Pete
Podlasek, Richard
Radcliffe. Harry
Ray, Kenneth
Robertson, Scott D.
Roesser, Steve
Royer, Carolyn D
Trump, Richard C.
Trump, Richard L.
Umiker , Nora A.
Volpe. Gary
Volpe, Richard J .
40000
40000
60000
'
Total Shares
Total Capital
Raised
Total
Shares
140000
65000
35000
$70.000~$162,500 $122.500
Offering Memorandum
45000
35000
5500
245500
$27,500 $382,500
40000
W*W,II
YIUS,*I*I
ROBERT E. KAUFFMAN
PRESIDENT
Mr. stanley C a
554 BerEley mad
Stone
note offer-
to sell shares or
never cuqmw~teany
-,
2.
We w i l l
3.
4.
W
y
, you feel strongly abart yrur debt to Bill Johnson
a d want it to be paid. So do we. You also have several
other d t o r s who we wculd like to see paid. To be sure
that they are paFd, we will dsdud their paynent f m m any
pmcsds.
A t t a w you will f i r d a l i s t t h a t w e n a ~ h o u
abart.
As for the price of the &xk, we are willing to pay $2.50 per
share for 40,000 shares and $5.00 per share for ycur 400 shares or
$102,000 less debts* lhat is what we are w i l l *
to pay this W!
rn the future,
1.
2.
its value
3.
Dur time
penaingbjnlauptcy
your
Please Sr aa~ised.+
&
t
tm this p i n t we have tried to urderstand
cirumstances, W i v e s an3 corditions to your actions.
In Lne
flhrce, we w i l l not be unjersming.
We
enkezzlemnt
(we
~ d'~&Yye
~ i t -xi*
a J q g ~ ~ x 1 s oterm,
n
E!e aadviSea that Ure
sli&test p r v v ~ ~ i l t i oof
n m l r m q n r a t l n n will result in tho filinj of
the &bVe mfs,
'&e filiny o f Chargffi ha^ rmthirq tn dn with this
negotiation.
It has to do with amtinued kritten ard v-1
assault lfeon cur ffm.
w a n t l y ,
Board of DinXtom
FinaMial ~~t
aL-cup,
m.
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Carol Andrews
Nancy Arment
P67
Thomas P. Asselin
(Planner)
LLA Robert Bakeman
(Planner)
M75
Jerry Bavero
(Manager)
66T Richard Braverman
(Planner)
XXZ Daniel Brown
(Planner)
Shelly Burkholder
M37
RRJ
Stanley Caterbone
(Planner)
Rodger Cornelius
(Planner)
(717) 394-2327 - H
(717) 872-9355 - H
(813) 736-6905 - 0
(717) 523-3228 - 0
J. B. Financial Services
21 South 4th Street
Lewisburg, PA 17837
(717) 523-3228 - 0
(717) 299-0175 - H
(215) 775-9900
(717) 354-5083 - H
(717) 872-9081 - H
(717) 267-1426 - 0
(717) 485-4814 - H
(612)" 835-7715
(717) 569-1875 - H
(717) 274-8569 - H
Peggy DeMarco
66M
Todd Dellinger
(Planner)
Fred Fischer
(Fee-only
Bonnie Goodman
(717) 780-4965 - 0
(717) 627-3376 - H
(717) 766-0914 - H
CCA
Michael Hartlett
2866 0'Henry Circle
(Planner) Lancaster, PA 17601
(717) 898-8940 - H
Harold Hoover
(Corp. Svcs)
54 N. Cedar St., Apt. 3
Lititz, PA 17543
Lisa
XX4
Robert Kauffman
1306 Beaconfield Drive
(Management)
Lancaster, PA 17601
QQA
David Kennedy
YYR
P. Alan Loss
26W
Jeanne McCanna
American Asset Management
(Planner) 1730 Plymouth Road
Suite 204 Minnetonka,
MM 55343
27A
Peter McClellan
American Asset Management
. (Planner) 1730 Plymouth Road
Suite 204 Minnetonka,
MM 55343
Hank
Kline
Lynn
Kreid
er
Peter
Labell
a
Bruce
Larki
Rober
Long
(717) 627-3238 - H
(717) 293-9370 - H
(215) 584-5600 - 0
(215) 489-6065 - H
(717) 786-4443 - H
(717) 232-8850 - 0
(717) 232-8850 - 0
(717) 392-0839 - H
(717) 397-3825 - H
(612) 546-2002 - 0
(612) 546-2002 - 0
(612) 922-3874 - H
44G
Dennis Morgan
One Bacton Hill, North
(Planner) Suite 201
Frazer, PA 19355
(215) 640-1880
Thomas Mueller
1001 University Drive
(Planner) State College, PA 16801
(814) 237-5557
(814) 364-9410
0
H
(717) 691-1232
424 North
(717) 291-9244
Duke Street
(Planner) Lancaster, PA 17602
(717) 393-0457
John Pennewell
26M
R2139 Swarr Run Road
Lancaster, PA 17601
Richard Podlasek
Assoc. Financial Planning
(Manager) 401 East Lancaster Avenue
Shillington, PA 19607
CC6
(215) 775-9900
(717) 898-7297 - H
Peter Poneros
3312 Cochran Drive
(Broker) Lancaster, PA 17601
(717) 569-2854 - H
John Pouliot
(717) 392-8881 - H
(717) 397-8062- 0
27B
Harry Radcliffe
(717) 285-7401 - H
55E
Mona Rishel
88T
LLX
(717) 295-1384 - 0
(717) 872-5202 - H
(609) 654-4073
Lancaster, PA 17601
Stephen H. Roesler
28 Coates street
(717) 299-6519 - H
27L
22A
SSK
Scott Robertson
2519 Chestnut Ridge Drive
(Planner) Lancaster, PA 17603
(717) 949-2116 - H
Salamone Salvatore
615 Linda Lane
(Planner) Norristown, PA 19401
Henry W. Schmalzer
Box 586, Route #1
(Insurance)Newmanstown, PA 17073
28Q
Richard Schuman
1755 Oregon Pike
(Sales Assistant)
Lancaster, PA 17601
(717) 569-3393 - 0
313
Barry Schuttler
5501 Twin Knolls Road
(Planner) Suite 101
Columbia, MD 21045
(301)
UUZ
Roy R. Sherbahn
639 Wyncroft Lane #2
(Insurance)
Lancaster, PA 17603
(717) 291-1290 - H
992-3446
(717) 393-1752 - 0
J96
27G
Thomas Tucker
221 Lincoln Way East
(Manager) Chambersburg, PA 17201
Gail Turner
(215) 489-2447 - 0
(215) 489-1989 - H
(717)
267-1426
(612) 835-7715 - 0
030
Thomas Turner
4500 Moorland Avenue
(Planner) Edina, MN 55424
(612) 922-7300 - 0
TTK
Richard Volpe
3900 Skippack Courtyard
(Manager) P.O. Box 910, Suite 3
Skippack PA 19474
(215) 584-5600 - 0
HHM
(215J 584-5628 - H
(717) 627-4015 - H
(717) 627-4015 - H
Wesler
(Case Writer)
23M
Kathy Ziegler
622 Wyncroft Lane #11
(Broker Assistant)
Lancaster, PA 17603
(717) 293-9298 - H
< /
Welcome folks, to our first meeting. Does anybody mind if we record this? It tltesn't
matter whether I do or not; sometimes we record them, most of the time we erase them.
It doesn't much matter but that way we don't have a problem with what is said, what is
not said - after talking with our attorney, we have to get some disclaimers out here. I
have told most of the people here that if you are here, we have to assume you have
already bought stock. You are all currently stockholders.
We don't have checks, but we have settlement dates coming up and firm commitments to
buy. So, if you are in this room, you are bought. The reason we need to clarify that is
because if we are talking to potential investors instead of stockholders, there are certain
things we can't talk about because they would be an addition to the offering
memorandum, which we can't be making representative additions to that and be held
accountable for them. So, the first thing we are saying is we are all stockholders; this is
all between us; it needs to stay in this room. We really can't be giving inside information
to investors; if some of you are going to talk to other investors, it can't be things that we
have talked about as stockholders without all of us having some accountability in that.
So, this is just between us and this is really prepared to talk about anything under the sun
that you have an interest in. I would imagine if I just let you ask questions, we would
get around to most everything, or I could just ramble, but it would probably be better to
start with the things that are of most interest to you. Like I say, there is nothing that is
not fair gain that we are willing to talk about.
*
I would like to be a little more specific if I can because this is the first time I've met
most of the people here. Assuming we are all stockholders, in what percentages? Who's
what?
Well, in this room, Jerry, roughly all of these people have talked about 10,000 shares, the
same as you have. Nobody has talked about any more than that, except for Mike, Stan,
and myself.
We did want to talk ________________________________ . Oh, gee. We tried to use ____
I don't have ___________ . I have one. Well, Steve's going to want t
talk to me. I know that because you said something to me. Well, let me go get ______
We are not intending to raise so much money as we put in the offer. The reason that
I
we added a whole bunch of shares at $5 was simply because, if we decide to raise some
more money in the future, we would have to go through the expense and aggravation of
doing another memorandum. So, we tacked on another 100,000-150,000 dollars of stock
available just for the sake of having it to sell in case we needed it and thinking it might
save us some money. So, we just went ahead and did the offering for 467 or something;
we could go up to 500,000 on that type of an offering without a problem. It didn't cost us
any more to do it for 367 than 225, so we just said let's add some shares on here.
Is there any indication so far of what the interest is out there? Well, I would say this at
250, there is interest beyond - what is available share. I mean I am convinced that at 350,
there is known interest for maybe half of what we've got available at 350. At $5 we have
some people, 1,000-2,000 shares - fives and tens from people's clients mostly. Stan has a
couple; I have a couple; Mike has a couple. It's my personal intention to buy some stock at
$5 when this is all said and done for my own account. So, I am saying that I don't think
there is known interest for more than 15-20 percent of what we have at $5, but we do have
people that are going to buy at $5. It is my belief that as soon as we are over having the
insiders get whatever interest they want that the market is going to be at $5.
It was my understanding also that there was going to be options available to preserve a
percentage interest. Am I correct on that? Well, the options as such, probably not. But,
everybody would have the option of buying additional shares when we go out for more
capital.
Do you have the right of fresh refusal? Yes, definitely - to maintain ____________ . The
official, what you would use when you do that, I believe is what is called a warrant. We
would give everybody a warrant to buy enough shares to preserve their ownership. It is
not our intention to dilute anybody, although the memorandum will have stuff all over it
about dilution. The way you get your interest diluted, of course, is that we decide at
some point in time that we need an extra $300,000 for whatever, and we decide we are
going to raise it in the form of equity. We go out to raise that and if we don't come forth
and buy whatever percentage we own of that new equity, there is going to be some
dilution. The good part of that is that if we raise 300,000, we ought to have more assets
if we buy anything hard with it, which raises the book value of the firm, which raises
what your stock is worth. So, you don't dilute your investment, but you do dilute
your percentage when we go out with more. We may never do any more because,
frankly, nobody is more concerned about dilution than I am.
Just like you said, Jerry, 5% is what we had talked about originally - each one of us have
been diluted already. Well, we diluted ourself in the memorandum by adding the
additional shares just like everybody else. It's not as though one is getting and one is not.
The same percentage dilution.
I want this stated for record because, again, I want to know what is going on so I can
explain it to my investors. To give an example, I had talked to other people who have
already received your business plan. They said, Jerry, you are telling me about this figure
but your name is not mentioned anyplace. I said, well, it is in fine print on the
________________________ . My point is this, is everybody in the room currently contributing
capital? Is there anybody that is receiving shares that is not contributing capital. No,
everybody in the room is committed to paying for stock. By virtue of the fact that they are
sitting here, and I told them they couldn't sit here unless they are committed to buy stock.
Then, according to the business plan there is going to be no debt. Is that still holding
true? That's true right now. Jerry, there is only - I want everybody to understand that
we've had some talk about this. I am personally opposed to debt. I have a problem with it.
Do you mean in general or just to start the firm? I am generally opposed to being in
bondage to a bank or financial institution and having somebody telling me how to run
this business. Now, that does not mean that I am so inflexible on that issue that when we
need more capital that I won't consider debt right along with equity, that I won't consider
lease right along with everything else. It may be the only alternative. If we get out here
and we need a half million dollars for a computer system to do our own payroll or
something like that - I used that as an example before - and we have a choice of all
coughing up more money to keep our interest, or selling stock and diluting our interest to
the point where there is no control of the firm, or having some debt - it may be that debt
is the best alternative. If it is, that's where we are going to go. But I want to go as long
as we can without debt.
Why don't I just summarize what we are saying. Is there any changes in the business
plan as we know it? None at all. One thing that is getting a lot of press and we ought
to talk about - a lot of discussion, is relationship with broker/dealer. I want to clarify
where we are on that for everybody's sake. At the current time, I am open to doing
whatever we need to do to be successful in this venture. If it means that we need to
look for a broker/dealer with a 95% payout to pay the bills tomorrow, I am open to doing
that. I am not going to be dragging my feet on being our own broker/dealer; I want to
get us registered; I want us to be able to do that at a moment's notice. What I want to do
is to activate the broker/dealer at the time when it is most advantageous for us, when
we are ready for it, when we are going to benefit by it. In the meantime, I think
relationship with FSC has some advantages - that I am going to be able to continue to
meet all the people in our area in the northeast; I am going to be able to get recruiting
leads in a 3-4 state area exclusively; I am going to be able to build out network within
FSC. And, I think there is some possibilities there that would be good for us, but if it is
not working it is not working. We are going to be, probably until the first of the year,
getting our broker/dealer ready and when it is ready and you are all ready, I am ready.
I have no ties with FSC that would delay anything that we need to do to get our business
where we want it.
Will you stay on there as a consultant? That is one thing that Steve wants to talk with
me about. So far, what has been said is that - John is saying to me that first of all he
does not want lose the Mutual of New York deal; he does not want executive turnover
while they are in the middle of a letter of agreement preceding the sale; he wants this to
look like a change of location as opposed to a resignation/termination, and because of
that he wants to have some kind of consulting agreement with me. He has told Steve to
find a common ground and work something out with me. We have talked about a couple
of different things but not in very much detail, and not to any conclusion - just trying
to bring it to some conclusion. He's asking me to stay mostly to help him open 3-4
offices like this one in a year. That is what he would like to do because that is what is
in the money proposal that says I'm going to do. I am saying to him that I probably
prefer either a regional or national recruiting type relationship where they will fly me
around; they will give me the leads; and they will pay for my solicitation calls; and let
me go meet financial planners around particularly the neighboring states. So I am
trying to focus this in a way that has some lasting long-term advantage for this group in
what I am doing. They are open to that; we have not decided - am I going to get 2,000
a head for every MFA, am I going to be on a salary - none of that has been decided. I
prefer that it be just like you all have a business of selling clients that
maybe I have a side business of recruiting reps - the fact that you have your clientele helps
this business and hope my business in recruiting and getting to know reps will help this
business.
Are we all going to be actively engaged in doing that for our own accounts so to speak
__________________ the business here. In what way? Well, for example - I don't know if you
are talking about writing business with your clients of course. No, I am talking about
bringing reps into the_________________ . I certainly would hope so. I think that in some
point of time we would also recognize what things are good and healthy for the firm and
going to create revenue and equity, and all of that. I personally think that we have
different needs here in this building than we do overall, but we all have the same interest.
What I am saying there is, for me to hire 4 reps in Wilkes Barre - if they are good producers
and write clean business, that is not as much of a problem when we are with FSC as when
we have our own broker/dealer. You know broker/dealers get liable sometimes for what
people do in business. I am not as concerned about the character or reputation and product
mix of those people in Wilkes Barre as we will be about people right here in this building.
I think we can have 100 reps in the state in 12-18 months. I don't see a problem with that.
I think we can do that, particularly if we are all interested in doing that work, we can make
an awfully lot of money doing that. Perhaps more than we can make in this building. In
this building we do, you know, $5,000,000 worth of gross and until we are done paying our
expenses, we might make a couple of hundred thousand dollars. You go build a rep force of
100 people writing 10,000,000 and you have a 5% - just a 5% margin on them - you are
talking about a half of million dollars and you have 0 expenses, you made a half a million
dollars. What I am saying is, there is money in building the network out of here. Most of
us, all except Jerry right now, are conducting our business out of here. There is a lot of
advantages to us being able to conduct our business out of here, but as far as having an
awfully lot of equity potential to have your stock investment be worth a lot of money, a lot
of that is dependent on what we do outside of the city. We don't have to do it at a
breakneck pace; we don't have to get it all done tomorrow. It is nothing critical, but we
need to be working on that. If we know somebody in Philadelphia or Wilkes Barre, or
somebody with IDS or somebody with your old broker/dealer or - Jerry runs into people
everywhere - we need to be talking to them about our group. And, we need to have some
things that we have to sell, which probably brings me to the point as to what we have to sell.
How do you see us structurally - the relationships with other reps outside of the office? In
other words, what percentage do you think we are going to get, just some rough idea?
Well, so far, most of the reps outside of this area that we have contact with are with FSC
now; we are kind of limited in what we can negotiate them to - what we get by virtue of
our volume. We might get extra 5 or 10, or 7.5 percent - you know, that's what we are
going to make. But when we get into other broker/dealers it is a little bit different. I
guess to see where the opportunity is, I would probably stop and look at what the market
place is right as far as broker/dealers. Of course, they are all under some price pressure,
mostly because partnership sales are down. Their big margin tickets are gone, so they are
all interested in finding ways to make money. They can either do that by lowering
payouts or - that seems to be a common answer __________________ well, there is one more and that is reducing services. Most companies
have decided to do, I would imagine, a combination of both. Therein, I think, lies most of
our opportunity. Particularly, when we can do something to improve their situation
______________________ . One thing that goes - the first thing that goes when a company
comes
under pressure, is marketing. You can't cut sales recruiting whatever, because that is
your only source of revenue; you can't cut operations or people will leave you if you
start fowling up too bad in business processing. So they cut what they can cut, which is
marketing, advice, planners support area. Is this happening with FSC? Sure, you just
slice it all up. You say, we are no longer going to do financial plans; we are no longer
going to give accounting advice; we are no longer going to give estate advice; we are no
longer going to respond to phone calls on partnership monitoring; - so you have this long
list of things we won't do. Well, therein lies a gap of things that we can do. I think that
being able to go out and get some volume, buy some things by our volume such as
seminars, such as financial planning software, such as getting the inhouse people, the
legal and accounting people, here on staff able to take a call from somebody inside
Pennsylvania and know the Pennsylvania laws, know what advice they can give in that
area, the mode of hookup or somebody with a - we can do financial plans here, for
instance. We can sell somebody IPS software, they can data input, or whatever - or, they
can send us all the data sheets. We have somebody here put the data in, do the
case, make the comment, and send it by _______________ over to their machine. We can do
some things in the servicing end to tie people in together. That's always been a missing
link with me. When Mike and I first started this thing with the Philadelphia people,
working on them, we immediately ran into a problem which was - what do they really
need us for? What can we really do for them? Because sooner or later they are going to
say - We may as well be the big man myself. I may as well have the freedom; I may
as well have the high payout - so, there needs to be a tie. The two things that I see
immediately is computer network and professional network.
That's the key, as far as ___________ . From what I can gather, _ we all seem to have a
different area of expertise and that becomes very valuable to a rep out in the field who in
the one-shot instance runs across something - just like any business man, doesn't want to
give it up, will give up a piece to get the rest of it. And then, through that
____________________________ . Right, and I see the same thing with affiliates. I mean Jerry and
the cafeteria plan is a natural. How many businesses, good sized businesses, do people in
this room deal with? You know, it is a possibility that we can do that. Dick Sherbach is
excited about that possibility; he deals with a lot of large corporations. The more people
we bring in - then the challenge in management is, to gen up the process and getting
everybody to use everybody else. How do you keep everybody aware of who is the expert
on what, what they are doing, getting the splits worked out - make sure that it runs?
We've been spending a good bit of time thinking about that, talking about that - I talked
with Bob Long about that at length the other day, the CPA that we are
going to ____________________ . They are a lot easier than some of the others because they
go out and charge the client a fee for service - and it's $1,000 or $1500, or whatever, and
you say, well, the corp is going to get 30 - and you are going to split the rest or whatever.
That's no problem; for one thing they could markup the service a little bit to make sure
they are covered - that everybody gets covered. The problem is like with the property
casualty person, you send a homeowners over there and it is 100 bucks a year and the
commission is $15.00, and you're looking to divide that up 3 ways. I hope George
would be concerned about it; I am concerned about it. I know there is a way to do it; I
just haven't figured it out yet.
I assume his clients, probably a lot of them need financial planning. Of course, of
course, and that's the easy solution, but something that Bob Long said to me that struck
me as being true - Bob said, hey look, you know I am the only accountant in here. Am I
going to be passing more business out or taking more business in? Well, he expects to be
taking more business in. I expect the same thing is true with George Lovell. He cannot
pass out as nearly as much as he is going to get back. So, the reciprocal thing only works
to appoint with a low margin business. Bob thinks it will eventually involve this to the
point where everybody that is inhouse, is inhouse, and that we own all of the businesses
and we are all on a salary plus production-type arrangement or something like that, where
it is no longer an issue how we divide up the pie. We just go about
making the pie. And, I think that is where we are going; I think that is 3+ years out
because we got to start where we are starting by putting everybody in the world on a
salary - unless you don't want to be in business very long.
I think I am pretty much done with that one but I will let you know that we are having
our first professionals in here, probably September 1. We are going to need to have it
resolved by then. We're open to any ideas you have, but right now I think our basic
problem is when the lower margin, lower ticket businesses. I don't think the real estate
people are going to be a problem with an equal split. If you send somebody who is
selling a house, I don't think the attorney or the accountant - I think there would be no
problem with an equal split there. And, they are just in seventh heaven, thinking about
an equal split on them sending us a client that has a million bucks and letting us work
with them. That is no problem with them at all. They can't touch that business right
now and they would love to be able to. So, we are in good shape there I think.
Do you say that the split will work up through? I think that we will just have a
standard procedure and we are going to say that there is probably going to be an equal
split - that if you refer somebody to an inhouse professional, you would get half of
whatever that person generates. If they send somebody to you, the same would hold
true. I want to say one other thing here, and the same thing with out-of-house people.
One thing that I do want to make clear - right now I am of the mind that I need to be
saying to the professionals that come in, that because they come in, just because they
take an office next door, doesn't guarantee them of anything. You can take business to
another accountant, you can do whatever you want to do as independents. It is going to
*
__
be there job to promote their businesses within our structure. They have got to get to
know you; they've got to get your trust; they've got to handle that business before they
get it done. That is their responsibility; it is not my responsibility to do that. And, if
they don't promote themselves through the network to the point where they are a
success, then we need to disengage and let somebody else do that. That, by the way, is
my feeling with all of you. You got to promote your businesses to them. We cannot
legislate who handles their clients anymore than we can legislate who handles ours.
There is only one big difference. There is only one of them, there is a lot of us. You
can get a guy - but I think you said a very important thing - the idea if you are in this
business as a career and for the long-term, you can be a GP, or you can start to provide
a specialty. If you want to be a GP for life, that is what you are going to be - a GP.
But, if you want to be a specialist, now you have increased your value.
I would really prefer that everybody (I think most of us run our businesses this way), we
are GPs who have a specialty. I think we need to understand that is what we are; we
need to not lose sight of that; and we need to be better at our specialties. We are already
good at our GPs.
And, we have to know what our specialties are. That's true. I got an understanding of
what Jerry does and Rich, and these guys. We all have an understanding, but I really feel
the need that - you know we get out a sheet that says - or it could be an access to the
modem. We have certain people that says now I have a particular problem; I punch in
and this gives me a list of what we have. Now I know to call Alan, or whoever.
Carolyn was telling me one thing to prove that. In their computer network, they have
database, and its like that in-search. If you have a problem it will bring up that
department and give you a list of names who specialize in that department, it gives you
the names of inhouse people.
Plus I have always operated under the personal mode that if someone that I am in a
business relationship with comes to me, that's just a normal courtesy that I extend to
them. Call them on the phone, and say here it is, because I know that in some point in
time I may have a call and need the same service. I think that is one of the big
attributes of this whole network - concept.
For the ___________________________________ , particularly the PMC, and I have nothing aga
George Lovell, but would it have been simpler to have a PMC that works for the corp?
Well, that is what we are talking about, where we eventually think we will want to go
with all of the professionals. I don't think we are quite ready to do that. I think we are
helped a little bit by the fact that some of the professionals that are coming in with us
are old-line, Lancaster County established firms. We are a brand new firm, and that
credibility is going to help us - that some of these people have been willing to put their
name alongside of ours, but if the PC were in house I think he would still be asking the
same question eventually - which is, is it worth my while to send my clients over there,
for the money that I make and for the risk involved? We may very well figure out down
the road that P&C is not a business that we can be in. Let me give
you an example of why. Prudential has lost their shirts, not just on the PC business,
but when somebody has an unsatisfactory auto claim, they jerk all the other business
too. We have to realize what the risk is in that.
Conversely, P&C guys are very covetous of their________________ . I made a specialty in
some respects of being the experts to the PC guys for things that they don't like, and
tensions,_____________________ and all the other good stuff. To get one of those guys to
open up, it is like trying to crack Fort Knox with a crowbar. It is really difficult
because they feel the same thing. If you fowl up on their end, there is a bad investment,
or the life insurance doesn't perform the way it is supposed to, or whatever, they are going
to suffer, depending on what kind of account it is, maybe thousands and thousands of
dollars of yearly renewal income. So that works both ways.
How does the Public Casualty companies look at that? ____________________ There is a lot
of service work involved there. Maybe we could ________________ they are not going to
get that much anyway, but it would be a lot of extra work that he has to
do, ___________________________________. Well, already, there is attempts - they are saying w
will give you 50% of the first share commission, but we have to have a bigger piece of the
renewal commission just for that reason. They are attempting to restructure the deal
before the ink is dry on them. Of course, we are not saying all the money is in the
renewals, that is part of my mentality. What we get on the first year basis is not going to
be that much ever and when they get to the point where they have $100,000 income on
the books here, they won't be all that interested in the next new client anyway. So, I
don't just accept that at face value. I don't know what the right deal is. I don't know if
I am right; I don't know if they are right; I don't know if they belong in here; I just don't
know.
One of the things that Jerry has done with PC people is he said, on a split commission
basis, I would like to call on all of your people that own a 1984-1985 Mercedes. It's not
like there can't be reciprocal business if we are able to work it so it is not an impossible
deal. I just want you to know that we are struggling a little bit with how to be fair to
those people. I don't want to go into relationships expecting to terminate it with George,
or anybody else. And, I don't know that we want to be in all these businesses inhouse.
I just flat out. It might be the greatest thing in the world for both of us and we might
never want to do anything else. But, in the meantime we need to think about - we need
to say, hey, he's coming in; we are going to try to support his
business; we are going to try to get some referrals out of his business; and we need to
find a way to fair to him and us. So, if anybody has any ideas as to what ought to be
equitable, let's start out with what we think is equitable and let's prove it either works or
doesn't work. I don't have to, and you don't have to, feel that this corporation needs to
get its arms around everything and haul everything inside.
I think the emphasis should be to provide to the client the area that is going to have the
biggest impact. Previously, anything that has been going on, it has been tax planning,
investments, pensions, and the personal products that person can have. In working with
Property Casualty agents as an outset, over time the client depended more on me than he
did on them because they could get those things from anybody; they couldn't get things
that I was giving from anybody. So, the relationship gravitated away from them, more
toward me. So, we try to provide the services that are most important
to a business or an individual, such as financing, mortgages, tax________ , real estate,
investments, shelters, planning, insurance and sophisticated products.
P&P is very down the line as far ________________________________ . He is more like a client
the guy than he is a customer. In that business, it's more like a lost meter because it is
always a down and dirty cutthroat-type business as compared as to what we are going to
gravitate to, which I feel is going to be more to service.
I think there is at least a good chance that we picked the wrong business in our group of
affiliate. Not necessarily, but one thing is clear - we have to have a different
arrangement with them than the other professionals. The other ones fit like a glove -we
will be able to work those out.
Now that we are looking at that - if it becomes a problem down the road, the image, if
we would say we don't want that, isn't going to look good either. It doesn't matter. We
can always say, it is a business we offered, we do not have enough demand and get out of
it - just like in any other business, take the product off the shelf. I don't think it's
going to make us look bad - not really worth worrying about that much because it is nice
to be able to offer P&C to your clients as long as they are taken care of nicely, if they are
taken care of professionally. Anything that comes back to me, as far as P&C is extra.
Homeowners is not all that, but I would imagine somebody who does $700-5800 car
insurance premium, there is some money in that. Yea, well that is 15% - see they usually
get the same renewal. That's the difference that we don't have in Life Insurance. We
start out with a 50-60-70 percent and then drop their value. That is 15 all the way
through, as long as it is the original writer of the business. If they take over an existing
business from an agent that goes out, they usually work on a reduced rate of 7-8% to
service the business. They bitch about it but they didn't have to do anything to get that
business; it is already on the books.
What's 30,000 or 40,000 a year in premium for us to do. It's nothing - or even
commissions. You're going to have to teach Jerry how to do his business too a little bit.
__________________ stuff that I am going to have to work with him on. We all can but ...
I don't want to spend a lot of time on this. This is a little thing, but I want you to know
that I am open to any recommendation, of somebody that is more experienced in this
business than I am, would have as to what to split, how to do, and I want to go about
helping George promote his business and there is money in it. There is money in it for
the corp, I know that. Because at the time he gets to making 100,000 out of his office
here, that's 30,000 a year revenue to us. It's as good as if you do 100,000 in gross
commission. We will get there in 2-3-4 years, but I am looking at how do I take care of
you, the referrers in this. That was my question.
The other thing is the corporate fire and casualty and all that. There has got to be a lot
of money in that end of it. We were just talking about the homeowners and car but
there's got to be bigger money in commercial accounts. Does this guy do this? He
worked on this with Willow Valley that's a couple hundred thousand a year _______ .
So, that's the guy where we could really - that's what we want.
It won't work. It's an educational process. We got to go through with it. George has
been a client of mine for quite a few years now and got good referrals - it's a two-way
street. He keeps thinking the same way you do - my property and casualty, my home
owner - the other ones, what can you do for them? It's going to be an educational
process and that's going to be part of our work with businesses, show what we can do.
We have to promote and he has to ________________ .
Just as a point of information, who are the attorneys that are coming in
here? _________________ _______________ are board approved and________________ ABA
American Bar Association in York, he wanted to go over the relationship with them.
There are some legal things that have to be worked out. _____________________- The reason
we are not moving real quickly on ___________is because we don't have some of these
things worked out. Until these are worked out, I can't go back and say . We have
commitments from just about everybody to be in either September 1 or October 1 and we
have talked with them about what the corporation expects from them in terms of
commission, compensation, whatever. They do not have a problem with that and Bob Long,
of course, he has no problem with a very simple split policy, which is great.
I think the other thing, too, from a marketing standpoint we want them to get us in front of
the different bar associations, different accounting associations - that's where the real action
comes from - having those people free to call on us. I have always had the feeling that in
order to be successful with any of the other professional advisors, you really have to have
them as clients. If you merely knew them or took them to lunch, it really isn't going to pay
off. You have to get them as clients, so we might want to put a group together that
specializes in nothing but handling CPAs and attorneys in doing their business.
I am open for suggestions on that part of the marketing but the next step is to go back to the
CPAs that I've already met with that were part of the firm in discussing the relationship
between the firm and their client. But, I would agree with you that they should be a client
of ours and if we can put something together and say
_____________________________________________________________________________ . There is a firm out
College, known as Pennsylvania Financial - used to be ___________ Associates - they are
the largest provident mutual agency in the country. They have branches in different
parts of the country including ______ and New Orleans. I remember 5 years ago when
they were just in State College but they had a massive business on the books at State College.
You couldn't go anywhere that somebody didn't pull out a Provident Mutual. What they did is,
they took their internal people - they have an attorney on the staff
______________ , used to be with American College, has also written several books for trusts
and things like that; they just marketed the hell out of him. That was one of their
marketing thrusts - hey, we have a team, you are not working with an individual, we are a
team. In that team you have a qualified life agent, an, investment person, an attorney, an
account. If you accountant or attorney is not familiar with doing these things, we will
come in and do that in conjunction. A lot of times they did the documents, turned it over to
a local attorney, he bumped up the fee, and it was all done on split business. They are very,
very big in Texas now. They have their own inhouse pension
administration. They are doing all the administration of 5500 and things like that. But,
it is not a bad way to go when you think about it. So it is a process of us marketing
and we have these professionals on staff, or inside, and what it can mean to the client.
Because now it sort of narrows that credibility gap. It is you talking to the CPA or
attorney, he's got one of his own talking to them. They talk the same language, etc. It's
a hell of a lot more powerful than just Joe marketer. That's what they view us as going in there doing that stuff.
While we are on this subject, I would like to say that is the thing that the BDs are
getting out of - that is the first thing to go - the attorneys, the accountants - all the
advice goes, and that's where the void is. If they were able to do it before we ought to
be able to do it now, in an even bigger way. The thing is to get the utilization of these
people in here. These people, I think, are going to be very open - conversation and the
kind of thing that 5 minutes, here's the advice and out. Well, we are pretty much done
with the affiliates, none of us (I have some but very little) practical knowledge of how
to integrate them and all of that but I have a little bit. But I think common sense and
some good judgement will get us through this.
The research people, would they be addressing us with our problems? Sure, they will do
all that you want to do because that is how they are going to promote their business.
That is not going to be a problem.
What else is critical that we need to discuss while we are together? Where do we
actually stand on the BB process? Well, right now we have forms that have been
completed, they have been sent to a securities consultant along with the U4s and
fingerprints of Stan, Mike and I. Everybody else would need to do that at the time we
are ready to activate but they had to have ours just to proceed from here. They are
proceeding with the filing. What they have told us is that PA District is backlogged; it
is a 4-5 month process right now, that they do the best that they can. The process
involves an approval of our paperwork, documents, all of that. It also includes the
principles of the firm having an interview with the NASD District Committee, which is
where the backup is. When they get a look at you guys, we're in trouble. I think we
have about 3 passing out right about there but that is where the backlog is - in the fact
that they have to do these personal interviews and you have to get on the docket. As
far as I know, there is not a whole lot going on other than waiting around for that.
When that happens, then they proceed with the rest of the filing. I think they have
otrfbr^vords, someone could get the feeling that well, if it doesn't work out in 8 months
somebody could walk out the door. That was a last minute addition by our attorney. He
asked us if we had an employment contract with each other; we said "no". He said then you
have got to put it in. Of course, what he said before that was that we want employment
contracts for everyone. We showed him the FSC thing and he said what good is this?
Anybody could get out of this with a day. We tried to explain that this is the way it is in our
industry. You can't say sign me for 5 years, Scott - that's nothing. So we worked through
with him trying to get him to understand that that is one of the risks of our business - that
tomorrow Rich Braverman might go with Penn Mutual Life to sell old people health
insurance or something. As far as we are concerned, I think my commitment has been
strong enough as far as moving, etc., but I am willing to sign an employment contract. I
have no problem with that.
That is one of the reason I asked if everyone in the room was making a capital
contribution. The reason is this - the people that I have approached as far as buying
stock as an investor has asked that same question of me. In other words, do the
principals have something to lose besides the time and effort? _______________
contribution, which any entrepreneur would lose in any business if they left it. We are on
the line for a half million dollars for this space here, so you know we have some ...
As I was looking at the memorandum, just so I am clarified, the price that the principals are
paying for the stock, is that about $.50 per share? Is that the way that works out? I saw the
par value was $.50. The average is closer to a dollar but some stock went at $.50. There
has also been a considerable amount of work over time; there was a time when we were
signing leases not knowing if it was filled, etc. But that is true.
Under the assets of the corporation - money market fund $60,000 - what is that other
asset? I can recall _________________ said we are going to consider you to be one of the
other investors. We are allowed up to 5 people; before the memorandum we did not have
5 because___________________________. We have essentially said some people have bought
10,000 shares and we don't have a check yet, just because we don't have a check yet. But we
know that it is a sale. The other reason that we have not said, by George, let us have a
check is because our attorney here again at the last minute, said, Well, gee, guys, don't issue
a stock certificate yet. You are legally not bound to and then we get to feeling like we ought
not take money unless we can deliver a stock certificate, etc. He wanted to make sure there
was absolute final clearance. So that is why we listed it
I am going to turn this over to the group. Last week I was in Pittsburgh; I got lucky; I
was working with another broker/dealer and they mentioned the fact that they were
looking at the Philadelphia Stock Exchange because of potential savings to their
operation in terms of trades and trading. I went to Philadelphia and spent some time
with those people. It turns out, at least from what I was able to gather (again I am not
a back office man, so I don't understand it all), we were considering using security
selling without clearing and some other
May 2, 1987
I
I ' m afraid that as w e go further and further there w i l l be a need for such
information especially w i t h what has h a m this past week w i t h our corporate
officers and board. F i r s t I would l i k e to begin back in ti-&very beginning so
that the f u l l scope of our activities seem to f i t into ane place and also so
that
of the issues that have mme up are tied into what has happmd up to
this point.
After being involved in the business I decided that firrancial planning should
be wre abjective and fee based, so I became one of the larger fee producers
using fees as w e l l as mmnisSion incane. A t about the same time, I became
involved i n the IntermtiAssociation of Financial Planners. A t that time
the local chapter was just being fonwd and I volunmy services to help
on the board.
Menbrs of the board, a t that time, was just being formed and
headed by John Herr.
I became m t i v e vice president and virtually helped
run the chapter and
build it to its largest m
p
. lhat gave m e
as f a r
the apportunity t o meet other people, broaden my horizons and *tian
as the financial planning h3ustry and just haw the hleperdent planners f i t
into the stream of the industry. I had quite a b i t of activity and did alot
for the local chapter and became very involved.
helm
Page 1 of 13
02/17/2007
mer the next several years I made a very gwd living. I was never a very big
pmducer, althmgh one of the bigger ones in the Harri.skurg division. But I
was not the biggest, but the premier fee producer for the division and was om
of the leading in the camtry a t that time. I shortly became kmmledgable of
the other pmfucts available in the financial services industry and learned
very quickly that it w a s virtually inpossible to have one canpany manufacture
and produce ccpnpetitive products across the line. A t this the I was setting
l
e Amstrong
up a dhmr meeting for the IFP that was going to sbax2ase A
who was one of the premier planners i n the cumtry. She was very visible and
very widely m. I set up a dinner meeting for her khich attracted close of
om hundred
p r o f e s s i o n a l s a n d o t h e r p e o p l e t o a ~ . l h i s w a s f o u r o r five
times larger that any ather meetirg the chapter had ever had. A f t e r the
meeting I was involved in a -ion
w i t h Alex regarding the financial
planning h l d z y and my aspirations of what was cutside of a pmpriety
envimmnmt.
I told her that I was thinking of lMking a m e and asked her i f
she had any suggestions of wha to q e a k to. A t this point in time, we were all
i n Butler Avenue and Bob Kaufhan was in Georgia, running a division of ID6
back there.
He, a t this time, had become one of the l a q e s t divisional
n g e r s and had shwn very high pm&active
recruith-q skills. He was running
one the largest shop= intheScuthEastandwasbexdtqveryprofitable for
II1S. Alex suggested that I c a l l a gentlwen by the name of John &&le who was
then president of Financial Services COT. a bmkerjdealer based in A t l a n t a ,
Georgia. A t this the Bob Kauffman was probably, as unfamiliar i f not mre
unfamiliar, of the irdependent e n v k m e n t available to the Fimrcial Services
Industry. Specifically Financial Planners.
I phaned Bob a n d t o l d h i m t h a t I w a s ~ i n g t o l o a l c a n d ~ ~ t e l s e w a s l ~ o u t
there."
Before this time, a ccuple months prior, I atb&& a career
conference in Florida with IRS. A t one p i n t I was in a roam w i t h Bob Ihufhan
and R
' mt TUmr, who was the biggest divisicmal l ~ ~ g aet this
r
time with ID6.
I began to disc;uss my dissatisfaction with the ccmparry and the way that they
op=rate and I suggested to them that it pmbably would not be too difficult to
duplicate an organization instead of bebg built araYd a proprietary that was
built solely amund a non-proprietary product. A t the time they both leaked a t
w and I don% m m a k e r i f they l a w , k u t the idea really didn't redlly
interest them, and it just rolled off their shailders. Right after this
meeting is whenIhadthedinnermeetingvithAlexandIsetupthemeetingin
A s I usually did, I always leaked a t Bob Kaufhan as my mentor. H e
virtually w w o f f t h e s t r e e t s a n d m m e a w a y t o w m y i n a w a y
that I never
I a u l d w. I always respected Bob as a very good
sal.esnan, seeming to have a very high financial intellect and I looked up to
him as he taught me alot. So I got on the phone and told him I was going to
v i s i t an imkpn%& planner i n Atlanta.
A t this time, Bob was bemning
dissatisfied with the management of ID6 and was not very happy with the way
they were using him to build areas. Vihen the areas would become profitable to
him they waild mehimtoanotherdistressedamatobebuiltup. Sohewas
doing a l l the work and ID6 was making a l l the mmey because they waild plt i n a
m a ~ g e rfor less money and so on and so forth.
Atlanta.
Page 2 of 13
02/17/2007
On Nw&
27 or 28 of 1985, I had a meeting w i t h Bob I c a u f m and Mike
Hartlett a t 1 4 x b n r s m u n t on the Rahrerstawn M,
Ianaster, PA. 'me
pupose of the meeting was to find art i f we a u l d collectively p r t together
xmething in Iancaster w i t h regards to f h i a l planning. I wwld say that
e t i n g was mre of an effort on my part than anyone especially Mike Hartlett.
Mike was, a t this time, also inrlependent, l e f t ID6 anl follckied me to FSC along
w i t h Bob.
?he meetingwas on themorning a t 9:00 a.m. and we dkmxxxdwhat
options we had as far as w i n g sanething tcgether in Iancaster. I guess the
bsic reason for the meeting was to see i f Mike Hartlett wished to do sanething
together w i t h us. A t this time I was qmating my practice, Mike was aperating
his practice, anl the only
we had in amumn w a s a reception man
adjoining ax offices.
A t thistimeBobsawthatifwecculdputsawthbg
together in Lancaster he omld pmbably f u l f i l l same of his recruiting
-ts,
giving h i m a place to actually xecmit people to rather than
using FSC in Atlanta. So that began the process of w i n g together a shop in
I b e s a n t o recruit fran that point forward into our so called plarvling firm.
A t this time the plarvling firm was going to be caprised of financial
Sane of the f i r s t pecplethatItall#dtowasMonaRishel,Dick
and Bab Lnrg. I spoke to other plannezs-about joining our firm and
then I got the idea of adding other professionals mainly legal, a m - ,
& estate and ma@ insurance. It was then that I got the idea for the one
stop financial firm.
Tbmeitseemedapprmt-thatitwasimportanttohave
a l l the individuals working tagether collectively
manage one financial
planners.
-,
'
'affairs.
It didn't seem that d i f f i d t to accaylish that i f yau had the riqht
irdividuals willing to take the risk of a t t m p t h q such a project sod who had
the clientele where they didn't have to rely on attracting new clientele.
Well, ~ t h i n g l e d t o a M t h e r a n d w e s o o n b e g a n t o r e n U i t ~ a t ~ ~ a n d
sizable grcup of individuals. I prcbably was responsible for d t i n g 90% of
the local people and artside pecple, Mike was mrking with Rick Volp in
F h i l a d e l m who he w o w w i t h a t ID6, and a hcst of others. T h e i n i t i a l core
was myself, Mike, Mma, Dick Sherisahn.
A t thistimeIranintoSattRobertsonattheZhreeMilelhsewhowasworking
with Asset Mamgement.
I expressed the idea to him and he became interested
and became one of wr pecple. I also talked to Gmmlyn Royer who was w i t h Pru
Bache and she was interested in joinhg. By February we had a fairly large
group of people who were willing to ammit. F i r s t thing we had to do was find
facilities and Mike f d the place available a t the OregcPl Pike location which
was just urder -on.
A t f i r s t we were looking for 2,000 square feet to
hcuse f w or five i n a i v i d ~ ~ LA~t. this time I talked to Tim Lanza, people a t
the legdl firm, and Danny Beqer as f a r as doing me thing with real
estate.
It was s q p x e 3 to beanaperationfinancedandsqportedbyFSC.
horn December until May FSC was pranking furd to f h m c e the aperation. We
nedd start up funks for fur nit^^?=, caymter systems, salaries for myself and
Mike for ranaging the -tion.
Mat happerred &ing this t h was that FSC
was constantly premising us financing and we had yet to receive any actual
m ~ n e yand the invoices d t t e d w e r e never paid by FSC.
Page 4 of 13
02/17/2007
Bob then told rn that he may be willing to go intD the meeting w i t h me under
the asslrmption that I did not tell them who he was o r who he was w i t h . I
called J&n m l e and told him I wanted to cane dawn and v i s i t him, being
referred by Alex and he was very nice mer the @mne, giving me a cordial
invitation to cane down and actually had me set up the meeting w i t h Ray S m i t h
who was one of the sales ~ g e r s .I set up a two day meeting w i t h myself and
this anonymxls person, Bab KaufBnm.
W e spent two daysatFSCandwhat
essentially happened is that they became infatuated w i t h Bob's recruiting
skills.
On the spat they offered Bcb a position within the a m p n y as far as
recruiting and head of sales manqement of FSC.
I resigned fm m6 January 1985.
Bob m i n d a t ID6 and fnm Octaber to
March w a s negatiating his position and pay and his -tion
w i t h FSC. By
March he actually decided to resign fmn ID6 and he was a k a r h d into the
corporate structure of FSC. January Ist I resigned fmm IS. I was Upstairs
w i t h Mike Harllett, sharing an office space and the rest of district w i t h Alan
Lms was still dwEbks.
A t this time, I began to build my independent
practice of Financial Planning. Basically I took 95% of my clients fmm IC6
and began working w i t h them. Bob began working i n the national recruiting for
FSC and started attracting IDS people to FSC.
the
Fall of
m,
attractive market w i t h alot of wealth being spread cut amDng alot of different
No one was being creative
r " lg their efforts it was just three
players.
o r four brokerage houses, insurance agents, banks and irdependent planners but
iw one had a very strcarg p i t i o n or d a b a x e in the financiae services
-.
I visited w i t h Bcb Kauffman in the Fall of 1985 as I usually did every ccuple
mths ard told him I wished to do scwthing else. A t t h a t time he asked me i f
I wanted t o cane dam to Atlanta and help him work on the concept of o n p n y
awned shops.
W h a I was dawn there, he mmtioned severdl positions i n the
corpration that I may be ini n and he set up a meeting w i t h me and
Steve Franklin.
Stwe m t l y needed smmw to m a ~ g eh i s national sales
office so khj dawn there I spoke to him, just t o verify w h a t was available.
A t this meeting, Steve Fmnklin more of less indicated t h a t I was a ~~kuned
cut
who was just leaking for a place to go. Ncrthing ever happen& and I
left the meeting w i t h very l i t t l e respect for Steve Franklin.
Bob offered me a position w i t h i n his mnpany owned store, writing cases doing
p l m , doingsaneotherthings. CIhatwasearlyOctober. F o r t h e n e x t t h r e e o r
four weeks I prepared myself, relwtmtly, for the transition and moved to
Atlanta and tried to maintain clients up he^^ as well, and plrsue whatever Bob
was doing down in Atlanta. A s th went on I f e l t I really didn't wish to move
away fmn the area and that maybe the opportunity down there wasn't what I
thought it was, o r wasn'twhat Bab said it was.
Page 3 of 13
02/17/2007
Bob ~ ~ a u f f u n n
was the liaison and -tly
was being directed by Stare
Franklin ard Jdyl m l e . F'ran what I have learned over the past several years
was that they never really interded to finance the aperation brt they were
strirqirq us along ard using us to recruit other people to the operation.
After we rexuited ten o r more people it became apparent t h a t Mike o r myself
g e an operation. We also
did not have the managing skills required to l ~ ~ such
learned we l o s t our financial backing, so we had to figure out what to do with
A t this time we decided to raise the capital a.u-selves,
finance the
financing.
And
operation auselves with quity we raised thmqb the planners.
essentially we learned that no one i n the industry, or very few actually awn
their awn business but are only a distrikrtion for a f i n a d a l product. W e a l l
have seen bmkr/dealers b e b g b a q h t and sold for very sizable m t s of
m y , usually in the vacinity of $1 of quity for $1 of gross ccrmnission
inmne.
We began to see t h a t we were seeing anyi&em hran $1 million of gross
amnksion imxms per year w i t h the grcrup that we had. In the grarp was Ken
Ray and some very m t i v e and talented people.
cur m e e t h p and discussiuns d c h w e r e very long, durable and
mpn L&omber t o May I probably spent every other evening with Bob
tiresame.
i n Atlanta trying to pt this deal together.
Tbx@mt
L e t me go over a couple of other things that had happened up to that time that
I f d ljke mentianed in this document, before I fozget. Back in the sunmer of
u
s
e of
1985, I was contacted by Jdyl Fhilips fmn Blue Pall National Bank. m
)ny v i s i b i l i t y w i t h the local chapter of the IFP J d m wanted to call me and look
a t the o p t i c u s of Blue Bas11 National Bank becane involved in Financial
Planning.
Jchn called a meeting w i t h me ah3 I believe he was looking for
scanmne to head a Financial deparbnent with inside Blue Pall National Bank o r
contract w i t h s ~ n e o n e outside. I had 1-1/2 bar with J d m and his suborbant,
whcan I can't remember his name, I believe it was Joe. H e was the vice
president of the trust m t , I believe. m
y a f t e r the meeting they
did not have the fiath o r the confidence that I was the right person or they
didn't believe t h a t this was really what they wanted to do. But I have never
M firm them s i n .
-.
Page 5 of 13
02/17/2007
Page 6 of 13
02/17/2007
was going to receive 60,000 shares, I was to receive 40,000 shares andMike
was to receive 40,000. Also, Mike ard I w e r e to receive $3,000 per month and
Bob $5,000 per mnth. Bab and I had a deal as I did not believe he shaild have
more of the canparry than I because I pit it together. We had an agreement
&ereby
I could buy 10,000 shares of his 20,000 a t anytime a t cost so we would
both have 50,000 shares. I had papers drawn u p t o that, however, whenwe began
t o have problens, I l e f t things drop by the wayside.
think it was back a t this time-we r e a l i z e d that Bob was probably going to
fran management and cannit and cane up to Lancaster. I think one of the
reasons whyMaryLynn andIbecameveryclosewasthatsheremindedmesonuch
of my mother i n t&
way that she handled her kids, family and I became
infatuated w i t h that.
I liked her alot. Wt haFpened was that Mike and Bob
resented the fact that we had so rmch fun while we worked. We got m r k done,
but we went out t o lunch for an hour or so and we really enjayed things. To
I
resign
'
them that had no place in business. For me, as 1as I got my work done, I
f e l t better about my work ard it worked art for the best. mis w a s a problem
an3 w i l l ccmne up later.
Property of Advanced Media Group
Page 7 of 13
02/17/2007
Page 8 of 13
02/17/2007
section,
most of
~~
W i n g %pteubr we began to have pmblems w i t h Mazy Lynn and the staff and
me.
'Ihis was the beginning of them hying to reduoe and dilute my control of
the canpany as f a r as input was cancerned.
It was a very emotional and
d
r
a
m expsriexe a f t e r a l l t h e w o r k I d i d t o p l t t h i s a l l t o g e t h e r t o f i n d
those twowere trying to plsh me cut. Itrsachedthepointinoctoberor
Noventer where they actually asked me i f I wanted to "get out." 'Ihqr indicated
that I was not right for m a ~ g & ,
m a ~ g e m e n twas nat right for me, t h a t I
wasn't having fun and all this and that. Mnst of t h a t was due to their action
as f a r as their trying to dilute me and weaken my umfidenz. lhey c0Ntantly
made fun of me i n f m n t of all the other planners a t meetings and it was just
ugly.
'Ihey also t r i e d to internqj my relationship w i t h Mary LyM w h i c h was
ruthirq mxe than a very p e r s a d , deep fri-p.
No care lamws this, kR the trauma was so heavy that I went mxier the care of a
Hospital, beginning N m m h e r and I was suffering a
psychologist a t St. J@
severe case of depression. Eecause of d z @ r e n i a being f a v d in my family,
I was not afraid to go seek psydmlogical camseling. I was on medication for
three months.
Page 9 of 13
02/17/2007
In September they had it in their minds that they were going to get r i d of Mary
Lynn.
And they tried every opporbmity, finally in N o v e n h r a week before
Thanksgiving, they fired Mary LyM. W i t h o u t cause, for no reason, other than
they just wanted her art ard felt she was incapable of whatever. It actually
reached the point wfiere Bob andMikewhenarnurr].politickingthebrokersto
s q p r t them t h a t M a r y L y M w a s n u t d o i n g h e r j o b w h i c 3 1 w a s m t t r u e . Shehad
the canplete w
r
t of a l l the brokers. Maybe a t times there was a case wfwe
sawom was unhappy w i t h her perfommce, but in general it was a ploy, a plot,
fabricated by Mike and Bcb.
their attarpt to lmy me out and get rid of me so far as my Oontrol and my
interest, I held cut reluctantly often times mxlering i f I were going to give
in an3 by 0lristma.s I decided I wnuld stick it cut. 'Ihere
not other
alternatives, kR the nwney they offered me to get out was $2,50 a share which
canes out to $100,0000.
Iwantednopartsof it, s o b y J a n u a r y I d e c i d e d t o
stay.
After
Bob h a d s e v e r a l c a n v e r ~ a t i ~ ~ l ~ w i t h B o b I c n g s a y i n g t h a t h e w a s ~ i e d a b o u t m y
v
i
a
l efforts and that I was heocming slack. Ihe whole reason was
that they were hamering me daJnandbeatingmeupineverywaytheycculd,
cktmying my confidence. AftarIspenttimeandeffortardIbelieved inso
nu& of Wmt I'd done, and they were trying to take this away franme and get
me art of the picture.
Thraqh N o v and
~
Decc&er
there were meetings between myself, Scott
R c h r k x m , Alan Loss, Bob Long and (luo1ynFlayer rqanibq the activities and
the ~ S t y l e s o f M i k e a n d B o b . ~ w e r e v e r y ~ , w e r e n o t v e r y
trusting and I was always in the middle between the managerwt and financial
planners.
I had relatiMships with everyone and I believe that this -tend
Bob and Mike ard they tried t o g e t m e c u t o f thepicture, kttheplanners
wxlld not allcu this because the planners did not trust Bob and Mike w i t b a r t
havingme to keep them on balance.
I raised most of
memo-
W - m I w a s p l t t i n g a l l t h i s t o g ~ , I w a s i n ~ w i t h A l n Y u l a tItalked
.
abaR having nnr@age,
banking a part of a t I was doing. Nathing ever
happened bebeen the two of us, but in ~anuaryI received a call fran Al askhq
me to see i f I a d d place any mrtgages in the east coast. H e was willing to
pay me xmghly one half a point and this was a t a time, because of the
activities of Bob and Mike, that I tku$~tI would give this a t r y to give me
sane secwity. Should saoething f a i l i n the canpany, I would have sanething to
f a l l back an. A t this time I involved Scott IInbertscn and Bob ~cngand I told
them we would form a three way w
p and we wnuld work an a real estate
project on cur awn. ' I h e r e a s o n I t o l d n o o n e a b c u t t h i s w a s t h a t t h i s w a s m y
ace card in case Bob and Mike ever really threw n~ out. I was mt going to give
&em any r e l a t i m s h i p , and I j u s t TIE&&
sane d t y .
Property of Advanced Media Group
Page 10 of 13
02/17/2007
we were really doing was lwkirg for 1of 2 millicm dollars and up to
refinance or finance new and existing realestateprojects. Wemadeafew
calls, finding that ax rates are very anpetitive.
A l was mre of less
letting me get plqged into the major Savings and Loans and Inswaxe
mnpanies.
Wefam3cuttherewereveryfewpeopleinthearea, i f a n y a t a l l
who could a q u b s the terms. We began having a great deal of success and what
we found was that almcst everyone was allawing us to bid on their project. We
created a campany called C!rekive Finance Caopany so that we would not a p x e
Fm; t o any l i a b i l i t i e s as far as cur activities. W e agreed fmn the beginning
that FIG wxild receive a m t a g e of cur activities ~IXI
we figured 15%was
f a i r since we actually mnufacturd the pIoduct wfiere FIG *en cut and used
othex manufactured products. We didn't feel they were entitled to a 20 30%
split.
What
of cur amtmzts was w i t h Tony Bongoivi in New York. He a t one time dated
Scott's
sister apprmhmtely ten years ago.
Scott maintained a loose
relationship w i t h Tony, calling him one= in a while regarding business m a t t e r s
and business activities. Scott called Tony one day atcut a real estate project
that he i3mught
Tony said no, but he my have another
project that we would be interested in. Scott asked m e to go up to New York
with him to talk abcxlttheprojectand1 askedwhat itwas. He indicatedit
was a mwie.
I was very reluctant and hesitant to do this because nnvies t o
me, tax shelters, scans, not very econcmic type investment. Me being very
comxvative was not attracted, but I decided to go anyway just to get cut of
town, mre or less just to get away.
(Xle
I got up t h e n I was totally amazed a t the caliber and the people who we
were associating w i t h .
What I found cut was that we were working w i t h the
leading recolding s h d i o in the world. T h e r e d t i a l s , their acccnplidxm~ts
were @enmaml- they were just it. I'm not going to spend alat of time of
this because just the battcm line is what is inporbnt here. After seeing the
project wfien I lcoked a t what Tony was doing, and fran a business perspective
there were just so nary elewnts in this project that were just truly amazing
to me so far as distribution and markeI5.g and riskand eveqtAi.q else.
Bottan line was a pruluct that was worth 15 to 20 million dollars being made
for 4 million w i t h the ability to be one of the -1
movie, video projects
of the years.
biten
a l l ycu have the leading recoxding studio in the world working on the
scan3 for the project that was going to include a follaw up of Tony's previous
band who- was BM Javi who was alreacty one of the hottest thing in nusic as far
as alkum sales.
Then you have the fact that he was going to digitize the
recording which was never done before in the nnvie industzy a t a time when the
vidm market is just going bananas. N o t only that, hut the label that signed
the banl m MN.
You put a l l this together and ycu've got a penmend
business w i t h alot of apportunity
F i r s t of
Page 11 of 13
02/17/2007
seeing this, I ammitt& myself to the project not kmwing h o , where or haw we
were going t o raise 4 million dollars but I beliwed in the project so mplch. I
guess because I saw alot of the same elements used in F% in this project, and
even more.
I got instincts when I raised money for Em; I was still very
concerned with the risk elements to my investo~sbut when I looked a t this
project the risk was even less. Iess risk, m r e protection with this project
so I believed in this project. We spent seven or eight weeks developing the
packaging the product for the investors, things have hapxwd during that time
that f e l l into place perfectly
the a r t i c l e in lblling Stone, the marketing.
eight W.
It is mird b o g g l i n g a s f a r a s h t o n c a a e o f t h i s , b u t t h e
project is done, we did sanethjrq, we did not use Fm;, they w i l l receive no
I guess what I'm saying ik that because of the way Bob and Mike treated
split.
me or plshed me to go cut and do things, that did not involve Em; and I did not
feel that they did not deserve to becarre a part of these things. Fran the
beginning I knew Em; was going to get their piece.
The Iceogler grarp was strcng, large, y a q and they were doing nxghly 20
million dollars of gross canmission incane per year but there were saoe people
in the organizaticm we did not feel ccmfortable with. Hikbaxd Brrx~nwas a new
start up, starting up when we did, was a s p l i t f m a previous bmker/Mer in
D.C.,
that involved f m a syrdiotor to a -/dealer
that no one knew
anything a?xut. However, they really enticed us w i t h a very attractive equity
deal.
Bob maintained most of the cmmmications and mmt of the research
involved in this project.
It was brcqht to us in January w h i c h was IpuFplly
20% of their stock . w i t h 90% payout , territorial with override for aqthirg
that w e did.
Page 12 of 13
02/17/2007
0fthethingsImtshaildbedoneisthatscmeaneMdbedownthere
a t their t m d i q department, along with the capability of FSC. I tried
to get people down there several tims and I suggestd Qmlyn Royer because of
what had haFpened to her.
Finally Peter Pnneros and Ken Ray bent down, and
this was probably during U a x h . Anyway, this whole thing was dcne w i t h very
l i t t l e mmmicaticn as f a r as me, Bob and Mike. lbre of less, Bob wculd go
cut and do scanethirq and wculd fee3 back to us, but we redlly had very l i t t l e
involvement with what we into do w i t h M Bnmn. One thing Bob
irdmted w a s t h a t i f w e b e n t d o w n t o K i b b a r d m w e w c u l d n o t f i n d i r m c h , they
were just starting up, they were new, they had rmghly 10,000 sq. foot of
office space, a few staff people and the system of operation. He did feel they
w e r e capable of fulfilling cur needs.
One
1
-
I also negotiated the courtship of Tony Pascoti and got him involved.
Fran the perid of A p r i l 1st on, wfien we began transferring license, one of the
main
Page 13 of 13
02/17/2007
2.
Investments:
A summary o f
i n v e s t m e n t s is a s f o l l o w s :
/
.
i
:
..-.
4,427,800
35,103,995
$
4,427,800
5,774,937
Value
Cost
6,399,600
39,445,939
5,049,732
_ _ _-
Value
Cost
/,
.:
.. .
6,399,t
34,665,221
37,598,:
9,738,720
$ 10,341,'
55,056,018
65,421,820
49,214,679
61,623,t
26,536,945
26,536,945
25,454,347
25,454,
Continued
6
Page 21 of 21
10/05/2007
Surveillance,
Registered in Pennsylvania
Page 1 of 56
5. U.S. SUPREME COURT DOCKET, U.S. SUPREME COURT PEITIION, AND Letter
REQUEST FOR COMMUTATION of the Sentence of Lisa Michell Lambert to
President Obama, November 15, 2016 https://www.scribd.com/document/331393349/Supreme-Court-of-the-UnitedStates-Case-No-16-8822-DOCKET-and-COMMUTATION-LETTER-to-OBAMA-ReCATERBONE-v-Allison-Hallet-Re-Lisa-Lambert-Habeus-Nove
Respectfully,
___________/S/____________
Stan J. Caterbone, Pro Se Litigant
ADVANCED MEDIA GROUP
Freedom From Covert Harassment & Surveillance,
Registered in Pennsylvania
Notice and Disclaimer: Stan J. Caterbone and the Advanced Media Group have been slandered, defamed, and
publicly discredited since 1987 due to going public (Whistle Blower) with allegations of misconduct and fraud
within International Signal & Control, Plc. of Lancaster, Pa. (ISC pleaded guilty to selling arms to Iraq via
South Africa and a $1 Billion Fraud in 1992). Unfortunately we are forced to defend our reputation and the
truth without the aid of law enforcement and the media, which would normally prosecute and expose public
corruption. We utilize our communications to thwart further libelous and malicious attacks on our person, our
property, and our business. We continue our fight for justice through the Courts, and some communications
are a means of protecting our rights to continue our pursuit of justice. Advanced Media Group is also a
member of the media. Reply if you wish to be removed from our Contact List. How long can Lancaster County
Page 2 of 56
J.C. No. 03-16-90005 Office of the Circuit Executive, United States Third Circuit Court of Appeals COMPLAINT OF JUDICIALMISCONDUCT OR DISABILITY re 15-3400 and 16-1149; 03-16-900046 re ALL
FEDERAL LITIGATION TO DATE
U.S. Supreme Court Case No. 16-8822 PETITION FOR WRIT OF CERTIORARI re Case No. 16-1149
MOVANT for Lisa Michelle Lambert
U.S.C.A. Third Circuit Court of Appeals Case No. 16-1149 MOVANT for Lisa Michelle Lambert;15-3400
MOVANT for Lisa Michelle Lambert;; 16-1001; 07-4474
U.S. District Court Eastern District of PA Case No. 16-cv-49; 15-03984; 14-02559 MOVANT for Lisa
Michelle Lambert; 05-2288; 06-4650, 08-02982;
U.S. District Court Middle District of PA Case No. 16-cv-1751 PETITION FOR HABEUS CORPUS
Commonwealth of Pennsylvania Judicial Conduct Board Case No. 2016-462 Complaint against
Lancaster County Court of Common Pleas Judge Leonard Brown III
Pennsylvania Supreme Court Case No. 353 MT 2016; 354 MT 2016; 108 MM 2016 Amicus for Kathleen
Kane
Superior Court of Pennsylvania Summary Appeal Case No. CP-36-SA-0000219-2016, AMICUS for
Kathleen Kane Case No. 1164 EDA 2016; Case No. 1561 MDA 2015; 1519 MDA 2015; 16-1219
Preliminary Injunction Case of 2016
Lancaster County Court of Common Pleas Case No. 08-13373; 15-10167; 06-03349, CI-06-03401
U.S. Bankruptcy Court for The Eastern District of Pennsylvania Case No. 16-10157
Page 3 of 56
EXECUTIVE SUMMARY
copyright 2009
Ya know what, I am beginning to analyze this War on Terror and am having difficulty understanding
it all. To me the most effective fundamental fight against Extreme Terrorism is to reduce the motive; or the
Hatred Against America. No one seems to talk about that subject. How do we reduce that Hatred Towards
America and the West?
See, from my perspective, my situation is very disturbing. I mean we have the United States Torturing Me, a
U.S. Citizen for no good or valid reason. I have warned EVERYONE about using my situation to feed this
HATRED towards America.
Low and behold a week or so ago I have had several Muslims sign up as Followers to my
www.scribd.com/amgroup01 online webspace, which I use to post documents. The following being the most
prominent IKWAN Scope, "The Largest Muslim Brotherhood's Scope on the Web":
http://ikhwanscope.net/main/
There have also been several Muslim individuals who signed up as followers around the same time, a week
or so ago. They have also signed up as followers on my www.twitter.com/StanCaterbone webspace.
You must understand, I am a VERY Patriotic Person and live a very patriotic life - I believe in the
U.S. Constitution and Our Founding Father's vision for America; I support Our Military and our
Troops; I believe in the Rule of Law; I am a Practicing Catholic, and have been my whole life; I
Believe in the TRUTH; I believe in Right v. Wrong; Good v. Evil; and finally I believe in God. What
do you believe in?
Posted on the Yahoo Fulton Bank Stock Message Board, January 7, 2010
Date Updated:
Date Completed:
Date Initiated:
Stan J. Caterbone
Advanced Media Group
scaterbone@live.com
www.amgglobalentertainmentgroup.com
Page 4 of 56
Psychiatric Commitment of April 2010 by Detective Clark Bearinger, until January of 2015, Stan J.
Caterbone and Advanced Media Group had been in seclusion and in a state of rehabilitation and
rest due to the forced medication by Fairmount Behavioral Hospital and Dr. Silvia Gratz.
The
psychotropic drugs reduce your motor skills and put you in an extreme state of confusion.
By
the
the
end
of
the
summer
of
2010
every
social
media
site,
including
In May Stan J. Caterbone had again endured the Attacks and Torture from the
employees of the Lancaster County Courthouse, and the Lancaster County Government Building.
Then soon after the Residents of Lancaster County engaged in a massive Organized Stalking
Campaign. In addition an extreme Computer Hacking Campaign was initiated and executed in
an effort to again SILENCE Stan J. Caterbone and Advanced Media Group.
Lancaster City Police Department took the lead role. As usual Stan J. Caterbone summoned state
and federal authorities for help and assistance, including direct communications with the White
House, the Federal Bureau of Investigation, the Pennsylvania Attorney General's Office and
Kathleen Kane, The Pennsylvania State Police, the Pennsylvania General Assembly, several U.S.
Congressmen, and of course the Lancaster County District Attorney's Office.
Since August 1,
2015 the Geek Squad had performed diagnostics and repairs six (6) times due to computer
hacking. On at least 2 occasions the entire hard drive had to be wiped clean and restored.
On June 23, 2015 Stan J. Caterbone was named MOVANT in the 2014 Habeus
Corpus Petition by Lisa Michelle Lambert, Case No. 14:02559 in the U.S. District Court
for the Eastern District of Pennsylvania after filing an Amicus on the case. Judge Paul
Diamond was presiding since it's filing in 2014. However, the Petition was not able to
be granted and the case was stalled on jurisdictional law based on new and compelling
evidence, or lack there of.
In fact a working theory was filed that suggested that the East Lampeter
Two weeks later, on July 9, 2015, Detective Clark Bearinger filed another fabricated
Petition for Involuntary Psychiatric Commitment. And again Stan J. Caterbone endured 7 days in
the Fairmount Behavioral Hospital in Philadelphia. However, this time there was no MANDATORY
Treatment Program Ordered by the Lancaster County Court of Common Pleas.
So Stan J.
Caterbone continued filing in the courts for assistance and resolution. In August, in a desperate
attempt to stop the local torture campaign, another Emergency Injunction was filed in the
Lancaster County Court of Common Pleas. On August 6, 2015 Stan J. Caterbone went so far as
to undertake a Professional Polygraph Test administered by Bonnie Lee of Polygraph Solutions of
West Chester, Pennsylvania. The test ended up being 4 grueling hours of torture and a scam of
$600.00.
On July 9th , 2015 a Private Criminal Complaint was filed against Detective Clark Bearinger,
Officer Williams, Officer Binderup, and 2 unidentified patrolman.
Department were so desperate for retaliation from the Amicus filing in the Lisa Michelle Lambert
case, that they actually broke the door in of 1250 Fremont Street in order to execute the
fabricated 302 petition. The Complaint was denied by the Lancaster County District Attorney on
August 8th . The Complaint is now under a Petition for Review by the Lancaster County Court of
Common Pleas.
On August 17, 2015 another Emergency Injunction for Relief was filed in the Lancaster
County Court of Common Pleas, Case No. 15-06985. The Injunction was heard by Judge Jeffrey
Wright, who dismissed it as frivolous. An appeal, MD 1561, is pending in the Superior Court of
Pennsylvania.
In addition, by September 26, 2015 Stan J. Caterbone had been granted Electronic Filing
Privileges in the local, state, and federal courts. This should alleviate the fraud and abuses of the
U.S. Postal Service and the computer hackers.
In 2015 Stan J. Caterbone identifies a trend that suggests that the Lancaster County
community-at-large was subject to either community targeting or community hypnosis.
The
community targeting theory is supported by experts Jullianne McKinney, Cheryl Welsh, and Dr.
John Hall. The community hypnosis theory is supported by direct personal relationships with the
Amazing Kreskin, Samuel P. Caterbone and Stan J. Caterbone.
Caterbone, was most likely a target dating back to the early 1960's. In addition, the death of
Samuel P. Caterbone on July 20, 2001 was confirmed to be that of murder, not natural causes.
In the early 1990's Dr. Phillip Caterbone, brother, had been solicited by the National
Institute of Health, or NIH in Washington, D.C., for a fellowship to research and catalog a study to
find a genetic marker for depression in the CATERBONE family.
descendants and relatives of my father, Samuel P. Caterbone, Jr., and took blood samples. I am
alleging that this was a deliberate act to continue the cover story of mental illness to distract and
provide plausible deniability for any linkage to U.S. Sponsored Mind Control.
HISTORY
In 1987 Stan J. Caterbone went public with allegations of fraud within International Signal
and Control, or ISC as they were commonly referred.
Chem Con officials (an ISC/James Guerin straw company), and as a shareholder of record since
1983 of ISC, Stan J. Caterbone had a meeting with an ISC executive on June 23, 1987, which
resulted in a 22 year legal odyssey. The discussions involved a joint venture with his company,
Financial Management Group, Ltd., or FMG, Ltd., but ended in disclosure of his recent public
allegations of fraud. Four years later, ISC founder and chairman James Guerin, and other officials
and companies pleaded guilty to a $1 Billion Dollar Fraud and export violations including the
selling of arms through South Africa to Iraq and Sadaam Hussein.
influence and public corruption had been used to cover-up the activities and Federal False Claims
Act violations of Stan J. Caterbone for the next eighteen years. There ensued a total blockade of
all United States Courts for all redress and remedy available in accordance with federal, state, and
local laws.
This included recovery of his business interests; intellectual property; real estate;
personal and business real property; his unblemished and impressive reputation; and his most
valuable asset - the ability to produce income. This might be legally referred to as the Right-ToWork under federal statutes.
investment or developed a business that did not make a profit over the next 22 years.
This
includes two real estate properties that were illegally seized through foreclosure proceedings.
Since 1987 Stan J. Caterbone has been a prisoner and enemy of the state.
ISC was a
Department of Defense (DOD) Contractor and a partner with United States Intelligence Agencies
since it's beginings in the early 1970's. One of it's first contracts was Project X with the National
Security Agency or NSA of Ft. Meade, Maryland.
Page 7 of 56
Once the third (3rd) largest employer in the County of Lancaster, Pennsylvania,
with over 5,000 employees.
James Guerin, founder and CEO was once the largest philanthropist to
charitable organizations in the County of Lancaster, Pennsylvania.
The ISC/Ferranti Scandal was the third (3) largest white-collar fraud within the
United States as of 1992.
The following are some of the public officials and politicians associated with ISC:
George H.W. Bush, former U.S. President, and Director of the Central
Intelligence Agency (CIA).
Robert Gates, former Director of the Central Intelligence Agency (CIA) and
current Secretary of Defense.
Bobby Ray Inman, former Board of Directors if ISC, former Director of the NSA,
and currently associated and directly involved with Mind Control Research
organizations.
Alexander Haig, former U.S. Secretary of State, and ISC lobbyist and Board of
Directors?
Carlos Cardoen/Cardoen Industries, a joint venture partner with ISC and arms
merchant for the cluster bomb who eventually sold to Iraq and other Middle Eastern
Countries under U.S. Sanctions. ISC was credited with the design of the cluster
bomb, and has patents filed in the U.S. Patent Office.In 1987 ISC completed the
merger with the 3rd largest defense contractor of Great Britain, Ferranti
International; who paid $1 billion dollars for ISC and all of it's subsidiaries.
ABC News/Financial Times aired 3 episodes on ABC Nightline with Ted Koppel
regarding the ISC/CIA defense weapons; technologies; and cluster bombs to Iraq
story and lead into the allegations that then nominee for the Director of CIA Robert
Gates was involved with ISC and the selling of arms to Iraq.
ABC News 20/20 aired a story on the ISC/CIA efforts to sell cluster bombs to
Saadam Hussein and Iraq on February 1, 1991 days after the start of the Persian
Gulf War I, with the initial bombing raid destroying a cluster bomb factory built in
Iraq by Carlos Cardoen. On July 1st and 2nd of 1987 Stan J. Caterbone solicited
the legal counsel of Lancaster Attorney Joseph Roda for counsel regarding, FMG,
Ltd., International Signal & Control (ISC); Commonwealth Bank, etc., and was
billed for his services. Joseph Roda did absolutely nothing but refute Stan J.
Caterbone's claims and would not believe him.
Page 8 of 56
investigation into ISC was still ongoing. It is not known whether it has closed or not. All of these
activates constitute a RICO crime due to the pattern and organization of the perpetrators. The
pattern and source of the activities can be traced back to 1987, with subgroups changing over
time, but still engaging in the same practices. The following plan of action was followed in order
to perpetrate the cover-up:
Totally discredit Stan(ley) J. Caterbone and any and all allegations in every
way possible.
Totally isolate him and disenfranchise him from his friends, colleagues, and
family into a life of solitaire.
Page 9 of 56
Always keep attorneys and anyone remotely involved with the legal
community away at times when efforts for justice are pursued.
When attempts to enter the U.S. legal system arise, isolate, harass, and
extort any monies and/or possessions of value.
twenty attorneys, some from large firms with national recognition in their respective fields of
specialties. Attorneys from New York City to Santa Barbara and San Diego California were visited
and consulted as well as a group of ex FBI agents who specialized in white collar crime that are
now globally recognized. However, the money and influence of persons and entities that wanted
these issues silence always prevailed. The issues were so complex and convoluted, and involved
such high profile politicians and U.S. agencies, it was far easier to state that there was no case, or
their were no claims that would result in remedy or redress. Between the Republican Party and
the Department of Defense, the CIA and the NSA, there was not an attorney that could not be
influenced. The obstruction of justice and due process in this case is most likely unprecedented in
nature and in malice.
However in 2005 that all changed when Stan J. Caterbone appeared as a pro se litigant
representing himself, without any counsel, in the United States District Court for the Eastern
District of Pennsylvania in CATERBONE v. The Lancaster County Prison, et. al., or case no. 05-cv2288.
This case is still not settled and has been withdrawn by plaintiff Stan J.
Caterbone in October of 2008 after a successful ruling in the U.S. Third Circuit Court of
Appeals (07-4474) in September of 2008. The case will be continued upon the security
of evidence and the cease and desist of obstruction of justice and due process. On May
16, 2005 at the Federal Courthouse in Philadelphia, Stan J. Caterbone filed the case under seal.
One week later in the United States Bankruptcy Court for Eastern Pennsylvania in Reading,
Pennsylvania, again appearing as pro se, Stan J. Caterbone filed a petition for protection under
the Chapter 11 Bankruptcy Code, in case no. 05-23059.
These acts of entering the United States legal system with these issues triggered yet
another round of attempts to keep these cases from the courts and judges - Organized Stalking
with Directed Energy Devices and Weapons, built on a foundation of mental telepathy or total
Mind Control.
Page 10 of 56
Remote Viewers may have attempted to connect in a more direct and continuous way
without success.
In 2005 the U.S. sponsored mind control turned into an all-out assault of mental
telepathy; synthetic telepathy; and pain and torture through the use of directed energy devices
and weapons that usually fire a low frequency electromagnetic energy at the targeted victim.
This assault was no coincidence in that it began simultaneously with the filing of the federal action
in U.S. District Court, or CATERBONE v. Lancaster County Prison, et. al., or 05-cv-2288.
This
assault began after the handlers remotely trained Stan J. Caterbone with mental telepathy. The
main difference opposed to most other victims of this technology is that Stan J. Caterbone is
connected 24/7 with a person who declares that she is Interscope recording artist Sheryl Crow of
Kennett Missouri. Stan J. Caterbone has spent 3 years trying to validate and confirm this person
without success. Most U.S. intelligence agencies refuse to cooperate, and the Federal Bureau of
Investigation and the U.S. Attorney's Office refuse to comment.
more information.
In 2006 or the beginning of 2007 Stan J. Caterbone began his extensive research into
mental telepathy; mind control technologies; remote viewing; and the CIA mind control program
labeled MK ULTRA and it's subprograms.
FAMILY HISTORY
If you listen to the propaganda machine and the community of Lancaster County,
Pennsylvania, including professionals, the family history of Stan J. Caterbone goes something like
the following:
Father, Samuel Caterbone, Jr., Schizophrenic who ran out on his family
because of nervous breakdowns while trying to run a small dry cleaning business.
He traveled the world looking for the Blessed Mother Mary and Space Aliens. He
ended up living in government subsidized housing broke and with a severe mental
illness.
Stan J. Caterbone Executive Summary
Page 11 of 56
Brother, Samuel A. Caterbone, suffered from the very same illness has
his father, Schizophrenia, who finally killed himself trying to live in California.
The Family History was formulated back in the 1960's when Samuel Caterbone, Jr.,
father of Stan J. Caterbone, became engaged in a black budget mind control program that began
during his service in the United States Navy as a radioman and air gunner.
Samuel Caterbone,
Jr., was most likely a direct product of MK ULTRA or one of it's subprograms. His brother, Samuel
A. Caterbone, was most likely part of the LSD experiments of MK ULTRA. Stan J. Caterbone is
most likely part of a program sponsored by the Department of Defense Agencies, such as DARPA
or the Defense Intelligence Agency (DIA). The facts of Stan J. Caterbone's intimate discussions
with both his father and brother over the years before they died, the totality of documents that
were preserved in their estate, including service records; letters; official court papers; high school
documents; and the like - all will prove that they were in fact part of MK ULTRA or one of it's
subprograms.
The following are the facts and the real record of the family history:
Samuel P. Caterbone, Jr., (Father) served in the Navy from 1943 to 1946 and
graduated with honors from Air Gunners School in Jacksonville, Florida, which by the
MANUAL depicts a Special Ops type of service recruiting only the most physically and
mentally fit of all of the branches of service. I have secured his ENTIRE NAVY RECORD
WITH JOURNALS AND PHOTO ALBUMS in safety deposit boxes.
He was an exceptional
student/athlete while attending Lancaster Catholic High School, participating in the band as well
as sports. He was also his senior class secretary/treasurer. After the Navy, he went on to build a
successful dry cleaning business, which he is credited with inventing a filtration system for the
solvents.
He also developed a very good investment in real estate along the Manheim Pike,
and from his personal accounts to me, he was a victim of SYNTHETIC TELEPATHY and
possibly a COVERT CARRIER as proven by his 3 PASSPORTS which depict him traveling
the world visiting countries like Hong Kong, Lispin, Mexico, Saudi Arabia, Canada,
Stan J. Caterbone Executive Summary
Page 12 of 56
traveler, this is documented by his passports. Samuel P. Caterbone, Jr., may have been a covert
carrier for someone in intelligence. Samuel P. Caterbone, Jr., had his mental health history laced
with electro shock therapy.
ULTRA. In addition, and especially disturbing is his criminal record with the Lancaster City Police
Department and the Lancaster County Court of Common Pleas. In 1973 Samuel P. Caterbone, Jr.
was convicted of forging a 2 checks from the Caterbone Cleaners, Inc., checking account. The
one check to Joe the Motorists Store at the Manor Shopping Center was never entered into
evidence, it was for a total of $70.00.
James Coho for $200.00 with "divorce proceedings" written in the memo.
criminal record.
wrote an ORDER releasing him from probation and ordering him to "leave the vicinity of the
County of Lancaster, Pennsylvania". The President Judge of Lancaster County Court of Common
Pleas literally threw my father out of Lancaster County for forging 2 checks from his own
corporation. In 1987 I was arrested for stealing my own files from my own company, Financial
Management Group, Ltd., You can research the life of Candy Jones and Kate O'Brien to learn more
on this topic. Samuel Caterbone, Jr., has left enough writings and documentation to know that his
life fits the model for targeted individuals, complete with economic ruin, isolation, disenfranchised
from family and friends, and of course a fabricated mental illness history. You can view most of
his record online.
The estate was probated in November of 2000. Some two weeks later, on Memorial Day Weekend
of 2001, he had called me to come to New York City to help care for him.
He was in perfect
health until this time. In a matter of six (6) weeks he had succumbed to lung cancer. As per
Julianne McKinney,
former intelligence officer for the U.S. Army and victim activist of U.S.
Sponsored Mind Control, the weapons are lethal enough to kill and the one thing that I worry
about is that of dying of cancer (paraphrase). There is no doubt now that my father's death was
a murder, not natural.
Samuel A. Caterbone, (Brother) served in the United States Air Force in 1968 to 1970.
In 1991, Stan J. Caterbone accused the United States Government of using his brother, Samuel
A. Caterbone for part of the LSD experiments on mind control, or MK ULTRA. A notarized letter of
October 23, 1991 was sent certified mail to the California Attorney General on the subject matter,
with a return letter from the California Attorney General on January 14, 1992.
By his own
admission before his death, Samuel A. Caterbone disclosed to Stan J. Caterbone of the "bad LSD"
trips while in the Air Force. Since his death of December 25, 1984, Stan J. Caterbone and others
Stan J. Caterbone Executive Summary
Page 13 of 56
Samuel A. Caterbone was also an exceptional student and athlete while attending
Bellefonte, Pennsylvania, his hunting pants caught fire trying to stay warm.
Lancaster General Hospital for months, going through painful skin grafts and isolation.
hunting accident interrupted his athletic career and scared his legs for life.
The
The Schizophrenia
diagnosis was a combination of LSD flashbacks and organized stalking and harassment.
Thomas P. Caterbone, (Brother) had an unfortunate transaction at Fulton Bank that set
a course of action that resulted in a suicide. Although diagnosed with Bipolar Disease and Manic
Depression -- embezzled and extorted monies were most likely the reason for his suicide in 1996.
THE PROBLEM WITH TOMMY'S DEATH IS THAT HE DIED ON KILL DEVIL ISLAND, NORTH
CAROLINA AND MY BROTHER SAMMY WAS MURDERED ON CHRISTMAS DAY OF 1984,
WHICH SUGGESTS SOME SORT OF ATHEIST THEME. Fulton Bank was involved in a fraud that
took $72,000 from a real estate settlement closing and lead to his total financial ruin and collapse
in June of 1995. The funds were never recovered and Fulton Bank is a defendant for a wrongful
death claim in the United States District Court for the Eastern District of Pennsylvania in
CATERBONE v. Lancaster County Prison, et. al., 05-cv-2288.
and lethal death blow to Thomas P. Caterbone, and as of this day has refused to acknowledge any
wrongdoing or remorse.
Playing for
Lancaster Catholic High School, Franklin and Marshall College, the Harrisburg Patriots, and even
the Philadelphia Eagles.
Tom also coached football at J.P. McCaskey and Franklin and Marshall
College. Thomas P. Caterbone had a very successful lawn and landscaping business before joining
forces with John DePatto of United Financial Services and selling residential mortgages.
DePatto was the former head of Parent Bank, owned by James Guerin and ISC.
John
Parent Bank,
owned by ISC also foreclosed on 2323 New Danville Pike, Conestoga, Pennsylvania in 1988, which
was owned by Stan J. Caterbone. Thousands of dollars of equity was extorted in the process,
despite still being short sold for a profit to Mr. Keith Kirchner, an executive of Lancaster
Newspapers and former graduate of Lancaster Catholic High School.
Stan J. Caterbone is a remote viewer (at least one way in), is telepathic, and a
federal whistleblower with an exceptional entrepreneurial record in spite of all of his adversaries
and their assaults. In spite of the U.S. Sponsored mind control and torture, he has endured and
will prevail. Legally, Stan J. Caterbone has been able to preserve his claims, and progress his
legal challenges and claims through both the federal and state court system appearing pro se,
without the aid or expense of additional legal counsel. Some of his claims and briefs will most
Stan J. Caterbone Executive Summary
Page 14 of 56
beginning with Financial Management Group, Ltd., then working with Tony Bongiovi of Power
Station Studios and the "Digital Movie"; then building Advanced Media Group, Ltd..
Over the
years, despite the illegal seizures and foreclosures, Stan J. Caterbone has amassed a portfolio of
impressive real estate deals that have always paid off in profits, no matter how or when they
were sold.
$20,000 dollar investment in 1986 and was still sold for approximately $100,000 two years later,
despite the false arrests and the extortion of most of it's real value and equity.
The mental health history and the criminal records were completely fabricated, and a
close review and investigation into the actual court records and hospital records can prove that in
very short fashion.
There are TWO (2) ways to quickly dispute the Mental Health History and
Record:
One - Review the word "Delusional; delusions; etc.,;
used by mental health professionals, and the false reports by friends and family were associated
with facts, and matters of the official record, the complete opposite of the meaning of the word
"delusional". And they still exist to this very day.
Two - Review the 3 Fabricated Suicide Allegations of the following dates: August
10(?), 1987 at Burdette Tomlin Hospital (Cape May County New Jersey); February 18th(?), 2005
by Kerry Egan and the Southern Regional Police Department; and July 19, 2009 for the 302
Commitment by the Lancaster City Police Department at Lancaster General Hospital.
The Criminal Record is very similar, since 1987 Stanley J. Caterbone has had 31 false
arrests; formal charges and convictions dismissed prior to court proceedings or won on summary
appeals in the County of Lancaster, Pennsylvania; most of which Stan J. Caterbone appearing as
pro se (representing himself). These have resulted in civil complaints filed in 2008 in CATERBONE
v. The County of Lancaster, Pennsylvania in U.S. District Court for the Eastern District of
Pennsylvania.
Page 15 of 56
For Samuel P. Caterbone, my father, there are United States Naval records, Lancaster
Catholic High School transcripts; Social Security Administration records; Lancaster County
Assistance Office records; Local Real Estate Tax records; Lancaster County Tax Assessment
records; Samuel Caterbone Cleaners, Inc., corporate records; Real Estate Deeds and Mortgages;
Lancaster County Court of Common Pleas civil and criminal records; and of course papers and
documents persevered from his estate
Page 16 of 56
10.U.S. SUPREME COURT DOCKET, U.S. SUPREME COURT PEITIION, AND Letter
REQUEST FOR COMMUTATION of the Sentence of Lisa Michell Lambert to
President Obama, November 15, 2016 https://www.scribd.com/document/331393349/Supreme-Court-of-the-UnitedStates-Case-No-16-8822-DOCKET-and-COMMUTATION-LETTER-to-OBAMA-ReCATERBONE-v-Allison-Hallet-Re-Lisa-Lambert-Habeus-Nove
Page 17 of 56
FACEBOOK is even
known to have researched and possibly developed technologies that are intended to
connect it's billions of users, via Mind Control Techniques.
Top Secret
experiments and the resulting technological advancements can stay secretive for so
long. This has recently been used in a NBC story of the Television drama "Medium" this
last season. On July 9, 2008 I had recorded an AM radio live broadcast on WHAN Coast
to Coast with a guest that was one of the leading Physicist turned Remote Viewer and
expert that testified to this same notion.
Page 18 of 56
Page 19 of 56
Page 20 of 56
Page 21 of 56
___________/S/____________
Stan J. Caterbone, Pro Se Litigant
ADVANCED MEDIA GROUP
Freedom From Covert Harassment & Surveillance,
Registered in Pennsylvania
Page 22 of 56
The
whistleblowing activities of 1987 either were a coincidence or I was set up in the very beginning
by Pennsylvania State Senator Gibson Armstrong (former stock broker) in 1983 when he solicited
me to purchase the ISC stock. The preceding would have been the perfect cover story for my
demise; that I was involved in fraud. Following this analysis would lead one to conclude that the
collateral damage from the activities of my financial ruin always left my fellow businesses in
financial ruin, for example the shareholders and affiliated professionals of Financial Management
Group, Ltd., Tony Bongiovi and Power Station Studios, Cross Microwave Consultants, American
Helix/High Industries, Pflumm Contractors, Inc., Mike Caterbone's AIM Wholesaler's Business,
Sheryl Crow Singer Songwriter, my immediate family, friends, and relatives, and now the
Lancaster County Courthouse.
Following this analysis would lead one to concur that the legal and financial remedies
would only be reconciled by the above named parties enjoining my civil litigation. This AFFIDAVIT
is to be considered a legal and binding document to accomplish that remedy.
And I affirm that the foregoing is true except to statements made upon information and belief,
and as to those I believe them to be true. Witness my hand under the penalties of perjury this
10th day of October, 2015.
Signature,
____________________________
Stanley J. Caterbone
1250 Fremont Street
Lancaster, PA 17603
Signature
Page 23 of 56
Page 24 of 56
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10
910
10
of
of
9of
51
50
of
51
51
51
51
Page
56
of
56
E
Tuesday,
Thursday,
Tuesday,
Friday,
Tuesday,
March
March
December
15,
March
2016
15,
3/15/2016
2016
17,
15,
11,
2016
Monday
November
21, 2015