DOCSLIB.ORG

2018 Annual Report to the Governor & Legislature

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text

Load more

2018 ANNUAL REPORT DEPARTMENT OF CONSUMER CREDIT STATE OF OKLAHOMA CONTENTS ADMINISTRATOR’S ACKNOWLEDGEMENTS _________________________________________________________ 2 MISSION STATEMENT ____________________________________________________________________________________ 3 ADMINISTRATOR’S REPORT _____________________________________________________________________________ 4 COMMISSION ON CONSUMER CREDIT ________________________________________________________________ 9 DEPARTMENT STAFF ____________________________________________________________________________________ 10 ORGANIZATIONAL STRUCTURE ______________________________________________________________________ 11 MORTGAGE LENDERS ___________________________________________________________________________________ 12 MORTGAGE BROKERS __________________________________________________________________________________ 39 MORTGAGE LOAN ORIGINATORS __________________________________________________________________47 SUPERVISED LENDERS ________________________________________________________________________________247 DEFERRED DEPOSIT LENDERS _______________________________________________________________________263 RENT-TO-OWN DEALERS _____________________________________________________________________________ 266 PAWNBROKERS ________________________________________________________________________________________270 PRECIOUS METAL AND GEM DEALERS ______________________________________________________________282 CREDIT SERVICE ORGANIZATIONS _________________________________________________________________ 288 HEALTH SPAS ____________________________________________________________________________________________291 NOTIFICATIONS ________________________________________________________________________________________ 298 CONSUMER LITIGATION FUNDERS ________________________________________________________________369 COMMISSION MEETING MINUTES ___________________________________________________________________371 i November 14, 2018 The Honorable Mary Fallin Governor, State of Oklahoma 2300 N. Lincoln Blvd., Room 212 Oklahoma City, Oklahoma 73105 The Honorable Greg Treat President Pro Tempore Oklahoma State Senate 2300 N. Lincoln Blvd., Room 422 Oklahoma City, Oklahoma 73105 The Honorable Charles McCall Speaker of the Oklahoma House of Representatives 2300 N. Lincoln Blvd., Room 401 Oklahoma City, Oklahoma 73105 Dear Governor Fallin, President Pro Tempore Treat and Speaker McCall: On behalf of the Oklahoma Commission on Consumer Credit and the staff, we are pleased to submit the 2018 Annual Report for the Oklahoma Department of Consumer Credit and the Oklahoma Commission on Consumer Credit. This report contains information regarding the activities of the Department, the Commission, and the industries licensed and regulated by the Department. Thanks to the leadership and foresight of our Governor and Legislature, our Department continues its mission as a non-appropriated agency because our industries recognize they should pay for their enforcement themselves instead of relying on state dollars. We are proud of our accomplishments and look forward to working with the industries we regulate and most importantly, the Oklahoma consumers. Although we have achieved a great deal, we remain steadfast on our path of improving our efficiency and effectiveness. 2 Scott Lesher Administrator Email: [email protected] Telephone: (405)-521-3653 Department of Consumer Credit 3613 N.W. 56th Street, Suite 240 · Oklahoma City, OK 73112 Telephone: (405)-521-3653 · Fax: (405)-521-6740 Statewide Consumer Line: (800)-448-4904 Website: http://www.ok.gov/okdocc MISSION STATEMENT We protect and educate consumer buyers, lessees and borrowers against unfair practices, and are fair and impartial in the regulation of consumer credit transactions in Oklahoma. _______________________________________________________________________________________________ 3 ADMINISTRATOR’S REPORT The Administrator's report includes information pursuant to Title 14A O.S. § 6-104 (5), and is expanded to include other responsibilities and accomplishments of the Department of Consumer Credit. The Department of Consumer Credit annually licenses or registers over 14,295 credit- related organizations including mortgage lenders, mortgage brokers, mortgage loan originators, supervised lenders, deferred deposit lenders, rent-to-own dealers, pawnbrokers, precious metal and gem dealers, credit service organizations, health spas, consumer litigation funders, and notifications in relation to acceptance companies and businesses that finance goods and services for Oklahoma consumers. There are 6,382 licensee offices which are periodically investigated or examined. The table and chart below includes the number and percentages of those offices. Table-Industry office numbers & percentages Industry Offices % of total Mortgage Lenders 1,103 17.28% Mortgage Brokers 279 4.37% Supervised Lenders 1276 19.99% Deferred Deposit Lenders 213 3.33% Rent to Own Dealers 219 3.43% Pawnbrokers 294 4.60% Precious Metal and Gem Dealers 67 1.49% Credit Service Organizations 40 0.62% Health Spas 178 2.78% Notifications 2695 42.28% Consumer Litigation Funders 18 0.28% Total 6,382 4 Chart-Regulated Industry office percentages Industry Offices 0.28% Mortgage Lenders 17.28% Mortgage Brokers Supervised Lenders 4.37% Deferred Deposit Lenders 42.28% Rent to Own Dealers Pawnbrokers 19.99% Precious Metal and Gem Dealers Credit Service Organizations Health Spas Notifications 4.60% 2.78% 3.33% Consumer Litigation Funders 3.43% 0.62% 1.49% During the year, the Department has made significant improvements that will benefit Oklahoma consumers and licensees. A partial listing of accomplishments this year includes: The Department has processed over 202 formal consumer complaints. The Department continues to upgrade our website to effectively serve and educate consumers and licensees. The Department continues to improve in developing model examinations in all areas of enforcement to operate more efficiently. The Department continues to monitor and make improvements to our database and data entry programs compatible with the Nationwide Mortgage Licensing System (NMLS); which is a system of records for our 9,242 mortgage licensees. The Department continues to adhere to the practices outlined in the Energy Efficiency and Conservation Plan created in FY10 in response to Senate Bill 833. The Department has refined procedures to systematize the examination process, making it more efficient for examiners. The Department has revised written licensing procedures to streamline the licensing process for businesses and professionals. The Department maintains our mortgage supervision accreditation from the Conference of State Bank Supervisors (CSBS) and the American Association of Residential Mortgage 5 Regulators (AARMR). The Department continues to develop its Investigation unit, which focuses its efforts on identifying unlicensed activity, to ensure that Oklahoma consumers are receiving all protections afforded to them by law. The Department was actively involved in Multi-State Mortgage examination activity through CSBS and AARMR. The Department has finalized its refund process after it secured $1,000,000.00 on behalf of affected Oklahoma consumers, providing refunds to 1,187 consumers. The Department had three (3) Consumer Credit Examiners obtain their first mortgage certification through CSBS, as Certified Mortgage Examiners (CMEs). The Department also had one (1) Consumer Credit Examiner elevate his certification to a Certified Senior Mortgage Examiner (CSME). For the first time since 2015, the Department was able to re-implement its practice of offering a rebate to its regulated industries in the form of a twenty-one percent (21%) discount to license renewal fees, projecting an approximate savings of (six hundred thousand dollars) $600,000.00 to licensees. EXAMINATION AND INVESTIGATION POLICIES AND PROCEDURES Examinations The Department’s Chief Consumer Credit Examiner is responsible for scheduling examinations. Once an examination is completed, an examiner prepares an examination report that is reviewed by the Chief Consumer Credit Examiner. After the exam report is reviewed, it is sent to the address of record of the licensee. The licensee has twenty (20) days to either correct the examination errors or demonstrate the alleged errors did not occur. If a licensee does not correct the examination errors or demonstrate that the errors did not occur within the required period of time, the examination report is referred to the Department’s General Counsel for consideration of enforcement proceeding. Complaints Persons submitting complaints are required to submit a written explanation of their complaint along with any appropriate supporting documentation. Complaints are assigned by the Director of Licensing to Consumer Credit Examiners for resolution. Consumer Credit Examiners review the complaint and supporting documentation to determine if the Department has jurisdiction concerning the complaint or to determine if there is a basis for the complaint. If there is a basis for the complaint, a copy of the complaint is sent to the licensee for a response within twenty (20) days. If the matter is not resolved within the required period of time or if the licensee does not respond to the complaint, the complaint may be referred to the Department’s General Counsel for consideration of an enforcement action. 6 THE USE OF CONSUMER CREDIT IN THE STATE OF OKLAHOMA There were no significant
Recommended publications

  • Calculated for the Use of the State Of

    3i'R 317.3M31 H41 A Digitized by the Internet Archive in 2009 with funding from University of IVIassachusetts, Boston http://www.archive.org/details/pocketalmanackfo1839amer MASSACHUSETTS REGISTER, AND mmwo states ©alrntiar, 1839. ALSO CITY OFFICERS IN BOSTON, AND OTHER USEFUL INFORMATION. BOSTON: PUBLISHED BY JAMES LORING, 13 2 Washington Street. ECLIPSES IN 1839. 1. The first will be a great and total eclipse, on Friday March 15th, at 9h. 28m. morning, but by reason of the moon's south latitude, her shadow will not touch any part of North America. The course of the general eclipse will be from southwest to north- east, from the Pacific Ocean a little west of Chili to the Arabian Gulf and southeastern part of the Mediterranean Sea. The termination of this grand and sublime phenomenon will probably be witnessed from the summit of some of those stupendous monuments of ancient industry and folly, the vast and lofty pyramids on the banks of the Nile in lower Egypt. The principal cities and places that will be to- tally shadowed in this eclipse, are Valparaiso, Mendoza, Cordova, Assumption, St. Salvador and Pernambuco, in South America, and Sierra Leone, Teemboo, Tombucto and Fezzan, in Africa. At each of these places the duration of total darkness will be from one to six minutes, and several of the planets and fixed stars will probably be visible. 2. The other will also be a grand and beautiful eclipse, on Satur- day, September 7th, at 5h. 35m. evening, but on account of the Mnon's low latitude, and happening so late in the afternoon, no part of it will be visible in North America.
  • MAY, 2019 | 1 on the Cover

    MAY, 2019 | 1 on the Cover

    nepga.com | MAY, 2019 | 1 On the cover... 2019 New England PGA Merchandiser of the Year (Public) Jes- se Schechtman, PGA, OFFICERS is doing big things at his “little muni.” P20 TABLE OF CONTENTS 4 ......... President’s Message Ron Bibeau, PGA Allan Belden, PGA Mike Bradshaw, PGA Rob Jarvis, PGA President Vice President Secretary Honorary President 6... Executive Director’s Message [email protected] [email protected] [email protected] [email protected] 8 ......... NEPGA Hall of Fame 13 .... Section Championship 14 ......... New England Open NEPGA 16 .............. Section Update Mark Aldrich, PGA 20 ..........Jesse Schechtman District Director .....Merchandiser of the Year BOARD OF MA Central 22 ................Justin Lawson (508) 853-5087 [email protected] . Horon Smith Award Winner DIRECTORS 24 ............Rules to the Max 26 .........Junior Tour Update Dave Donnellan, PGA John Fields, PGA 27 ..........Point Race Update 28 .... View from the Fairway District Director District Director Cape Cod MA Eastern 30 .......... Chapter Roundup (508) 362-2606 (617) 484-5360 35 ...... Update from PGA HQ [email protected] [email protected] 36 ...... Membership Updates Joanne Flynn, PGA Dan Gillis, PGA District Director New Hampshire Senior Director (603) 434-2093 (978) 692-4606 [email protected] [email protected] Lou Rivers, PGA David Soucy, PGA District Director District Director MA Southern Vermont (508) 543-4661 (802) 422-4633 [email protected] [email protected] Dave Tiedemann, PGA Doug VanWickler, PGA District Director District Director Rhode Island Maine (401) 322-2107 (207) 787-2890 [email protected] [email protected] 2 | MAY, 2019 | nepga.com Email Ryan Mahoney at [email protected] or call 203.400.8569 nepga.com | MAY, 2019 | 3 FROM THE PRESIDENT Manchester Country Club, Site of the 2019 NEPGA Championship Dear NEPGA Professionals and Associates, The calendar has turned to July and whether we like it or not, we’re head- ing into the second half of our golf season here in New England.
  • Commencement ’13

    Commencement ’13

    college of Business Commencement ’13 Saturday, December 14, 2013 • 10 a.m. • College Park Center the university of texas at arlington “Your Sun iS Still in the morning SkY. We onlY get one triP to Planet earth. Don’t look baCk anD SaY, ‘i WiSh i haD trieD Something elSe.’” — bob Schieffer at UT arlington’s graduation Celebration Commencement ceremonies are celebratory events, and audiences are encouraged to support family members and friends as their accomplishments are recognized on stage. however, overzealous displays exhibit a lack of courtesy for the speaker and disrespect for the occasion and its participants. individuals who disrupt the ceremony by screaming, shouting, or using noisemakers may be asked to leave. thank you for your cooperation. The Graduating Class Program College of Business The Universi Ty of Texas a T a rlingTon Commen CemenT Ceremony Prelude UT Arlington Jazz Orchestra Conducted by Tim Ishii, Director of Jazz Studies The Academic Procession Degree Candidates and Platform Party Entrance of the National Colors UT Arlington Army ROTC Color Guard Call to Order Dr. Ronald Elsenbaumer Provost and Vice President for Academic Affairs, UT Arlington National Anthem UT Arlington Jazz Orchestra Welcome and Introductions Dr. Rachel Croson Dean, College of Business Commencement Address Dr. Vistasp Karbhari President, UT Arlington Presentation and Recognition of Graduate Candidates Candidates for the Doctor of Philosophy Degree Dr. Edmund Prater Director, Doctoral Programs Candidates for Master’s Degrees Dr. David Gray Associate Dean, Academic Affairs and Administration Presentation and Recognition of Undergraduate Candidates Candidates of the Department of Accounting Dr. Chandra Subramaniam Chair Candidates of the Department of Economics Dr.
  • Robert Patrick, Nick Stahl, Scott Haze, Kelli Garner, Jake Weber and Tony Hale Star in Vincent Grashaw’S Elevated Psychological Horror Project What Josiah Saw

    Robert Patrick, Nick Stahl, Scott Haze, Kelli Garner, Jake Weber and Tony Hale Star in Vincent Grashaw’S Elevated Psychological Horror Project What Josiah Saw

    December 17th, 2019 - Robert Patrick, Nick Stahl, Scott Haze, Kelli Garner, Jake Weber and Tony Hale star in Vincent Grashaw’s elevated psychological horror project What Josiah Saw Robert Patrick, Nick Stahl, Scott Haze, Kelli Garner, Jake Weber and Tony Hale are starring in the elevated genre film, What Josiah Saw, which just wrapped principal photography in Oklahoma, and is helmed by Vincent Grashaw (And Then I Go / Coldwater). Written by Robert Alan Dilts, the film tells the story of a family with buried secrets who reunite at a farmhouse after two decades to pay for their past sins. Plot details are being kept under wraps. “I felt if I was ever going to do a film which scared people it would need to be one grounded in a reality that was relatable. It was one of the most unique and terrifying scripts I’d ever read and I can’t wait to share this one with an audience,” says Grashaw. Randomix Productions’ Ran Namerode is producing alongside Beth Elise Hawk through her shingle, Gemini Girls Productions. “I chose WHAT JOSIAH SAW as our inaugural film project, because the script was so strong on the page. What Vincent did in his execution during production exceeds all expectations,” says Namerode. “We are humbled by the performances of this exceptional cast!” says Hawk. Bernie Stern and Vincent Grashaw are also producing. Angelia Adzic and Cole Payne are executive producers. Robert Patrick, repped by Gersh and Coronel Group, can currently be seen in The Laundromat film on Netflix and the upcoming Perry Mason series for HBO.
  • The State's Efforts to Control Medicaid Fraud and Abuse FY 2014-15 Statutory Authority Section 409.913, Florida Statutes (F.S.), Requires in Part That

    The State's Efforts to Control Medicaid Fraud and Abuse FY 2014-15 Statutory Authority Section 409.913, Florida Statutes (F.S.), Requires in Part That

    T S’ E C M F A FY - EY GE RN NE O R T A T L A S A TA D T RI E OF FLO ii The State's Efforts to Control Medicaid Fraud and Abuse FY 2014-15 Statutory Authority Section 409.913, Florida Statutes (F.S.), requires in part that “…Beginning January 1, 2003, and each year thereafter, the Agency and the Medicaid Fraud Control Unit of the Department of Legal Affairs shall submit a joint report to the Legislature documenting the effectiveness of the state's efforts to control Medicaid fraud and abuse and to recover Medicaid overpayments during the previous fiscal year. The report must describe the number of cases opened and investigated each year; the sources of the cases opened; the disposition of the cases closed each year; the amount of overpayments alleged in preliminary and final audit letters; the number and amount of fines or penalties imposed; any reductions in overpayment amounts negotiated in settlement agreements or by other means; the amount of final Agency determinations of overpayments; the amount deducted from federal claiming as a result of overpayments; the amount of overpayments recovered each year; the amount of cost of investigation recovered each year; the average length of time to collect from the time the case was opened until the overpayment is paid in full; the amount determined as uncollectible and the portion of the uncollectible amount subsequently reclaimed from the Federal Government; the number of providers, by type, that are terminated from participation in the Medicaid program as a result of fraud and abuse; and all costs associated with discovering and prosecuting cases of Medicaid overpayments and making recoveries in such cases.
  • FY-08 Legislative Appropriations

    FY-08 Legislative Appropriations

    Oklahoma House of Representatives FY‐08 Legislative Appropriations Centennial Edition Fiscal Year 2008 Legislative Appropriations Oklahoma House of Representatives Speaker Lance Cargill Appropriations and Budget Committee Representative Chris Benge, Chairman Representative Ken Miller, Vice Chair July, 2007 Prepared by: House Fiscal Staff Committee and Subcommittee Membership Appropriations and Budget Committee Chris Benge, Chair Ken Miller, Vice Chair John Auffet Guy Liebmann John Carey Bill Nations James Covey Randy Terrill Shane Jett Revenue & Taxation Subcommittee Randy Terrill, Chair Danny Morgan, Vice Chair Dale DeWitt Richard Morrissette Joe Dorman Earl Sears Tad Jones Rules Committee Shane Jett, Chair Bill Nations, Vice Chair James Covey Ryan Kiesel Joe Dorman Greg Piatt Rob Johnson Trebor Worthen Tad Jones Elections & Redistricting Subcommittee Trebor Worthen, Chair Purcy Walker, Vice Chair Dennis Adkins Randy Terrill Ryan McMullen Page i Education Committee Tad Jones, Chair Todd Thomsen, Vice Chair Neil Brannon Sally Kern Ann Coody Ray McCarter Doug Cox Jeannie McDaniel David Dank Eric Proctor Lee Denney Phil Richardson Joe Dorman Jabar Shumate Terry Hyman Dan Sullivan Terry Ingmire Common Education Subcommittee Ann Coody, Chair Neil Brannon, Vice Chair Ed Cannaday Weldon Watson Dale DeWitt Susan Winchester Ray McCarter Higher Education & Career Tech Subcommittee Terry Ingmire, Chair David Derby, Vice Chair Terry Hyman Pam Peterson Charlie Joyner Jabar Shumate Bill Nations Arts & Culture Subcommittee Lee Denney, Chair Ben Sherrer,
  • Ally, the Okla- Homa Story, (University of Oklahoma Press 1978), and Oklahoma: a History of Five Centuries (University of Oklahoma Press 1989)

    Ally, the Okla- Homa Story, (University of Oklahoma Press 1978), and Oklahoma: a History of Five Centuries (University of Oklahoma Press 1989)

    Oklahoma History 750 The following information was excerpted from the work of Arrell Morgan Gibson, specifically, The Okla- homa Story, (University of Oklahoma Press 1978), and Oklahoma: A History of Five Centuries (University of Oklahoma Press 1989). Oklahoma: A History of the Sooner State (University of Oklahoma Press 1964) by Edwin C. McReynolds was also used, along with Muriel Wright’s A Guide to the Indian Tribes of Oklahoma (University of Oklahoma Press 1951), and Don G. Wyckoff’s Oklahoma Archeology: A 1981 Perspective (Uni- versity of Oklahoma, Archeological Survey 1981). • Additional information was provided by Jenk Jones Jr., Tulsa • David Hampton, Tulsa • Office of Archives and Records, Oklahoma Department of Librar- ies • Oklahoma Historical Society. Guide to Oklahoma Museums by David C. Hunt (University of Oklahoma Press, 1981) was used as a reference. 751 A Brief History of Oklahoma The Prehistoric Age Substantial evidence exists to demonstrate the first people were in Oklahoma approximately 11,000 years ago and more than 550 generations of Native Americans have lived here. More than 10,000 prehistoric sites are recorded for the state, and they are estimated to represent about 10 percent of the actual number, according to archaeologist Don G. Wyckoff. Some of these sites pertain to the lives of Oklahoma’s original settlers—the Wichita and Caddo, and perhaps such relative latecomers as the Kiowa Apache, Osage, Kiowa, and Comanche. All of these sites comprise an invaluable resource for learning about Oklahoma’s remarkable and diverse The Clovis people lived Native American heritage. in Oklahoma at the Given the distribution and ages of studies sites, Okla- homa was widely inhabited during prehistory.
  • Papal Visit Philippines 2014 and 2015 2014

    Papal Visit Philippines 2014 and 2015 2014

    This event is dedicated to the Filipino People on the occasion of the five- day pastoral and state visit of Pope Francis here in the Philippines on October 23 to 27, 2014 part of 22- day Asian and Oceanian tour from October 22 to November 13, 2014. Papal Visit Philippines 2014 and 2015 ―Mercy and Compassion‖ a Papal Visit Philippines 2014 and 2015 2014 Contents About the project ............................................................................................... 2 About the Theme of the Apostolic Visit: ‗Mercy and Compassion‘.................................. 4 History of Jesus is Lord Church Worldwide.............................................................................. 6 Executive Branch of the Philippines ....................................................................... 15 Presidents of the Republic of the Philippines ....................................................................... 15 Vice Presidents of the Republic of the Philippines .............................................................. 16 Speaker of the House of Representatives of the Philippines ............................................ 16 Presidents of the Senate of the Philippines .......................................................................... 17 Chief Justice of the Supreme Court of the Philippines ...................................................... 17 Leaders of the Roman Catholic Church ................................................................ 18 Pope (Roman Catholic Bishop of Rome and Worldwide Leader of Roman
  • Ocm08458220-1834.Pdf (12.15Mb)

    Ocm08458220-1834.Pdf (12.15Mb)

    317.3M31 A 4^CHTVES ^K REGISTER, ^ AND 18S4. ALSO CITY OFFICEKS IN BOSTON, AND OTHKR USEFUL INFORMATION. BOSTON: JAMES LORING, 132 WASHINGTON STREET. — — ECLIPSES IN 1834. There will be five Eclipses this year, three of ike Svtf, and two of tht Moon, as follows, viz;— I. The first will be of the Sun, January, 9th day, 6h. 26m. eve. invisible. II. The second will likewise be of the Sun, June, 7th day, 5h. 12m. morning invisible. III. The third will be of the Moorr, June, 21st day, visible and total. Beginning Ih 52m. ^ Beginning of total darkness 2 55 / Middle 3 38 V, Appar. time End of total darkness (Moon sets). ..4 18 C morn. End of the Eclipse 5 21 j IV. The fourth will be a remarkable eclipse of the Sun, Sunday, the 30th day of November, visible, as follows, viz : Beginning Ih. 21m. J Greatest obscurity 2 40 fAppar. time End 3 51 ( even. Duration 2 30 * Digits eclipsed 10 deg. 21m. on the Sun's south limb. *** The Sun will be totally eclipsed in Mississippi, Alabama Georgia, South Carolina. At Charleston, the Sun will be totally eclipsed nearly a minute and a half. V. The fifth will be of the Moon, December 15th and I6th days, visible as follows viz : Beginning 15th d. lOli. Q2m. ) Appar. time Middle 16 5 > even. End 1 30 ) Appar. morn. Digits eclipsed 8 deg. 10m. (JU* The Compiler of the Register has endeavoured to be accurate in all the statements and names which it contains ; but when the difficulties in such a compilation are considered, and the constant changes which are occur- ring, by new elections, deaths, &c.
  • 1 2019 Oceania Track Championships Date

    1 2019 Oceania Track Championships Date

    1 2019 Oceania Track Championships Date: October 10-13, 2018 Communiqué 195: Results Adelaide Super-Drome Chief Commissaire: Zac Prendergast Organiser: Cycling Australia Event s1: 2019 Oceania Track Championships Session 1 Event 1: Men Junior Team Sprint Qualifying 3 Laps 750m AUSvNZL final; next 2 to bronze ride-off - Result 1. Australia Green 46.757 125 Carlos CARISMO (AUS) 100 751 848 82 149 John TROVAS (AUS) 100 751 850 84 120 Sam GALLAGHER (AUS) 100 721 075 58 2. New Zealand 48.409 +1.65 160 Sam UPTON (NZL) 100 220 991 09 153 Cameron MANLEY (NZL) 100 221 536 69 158 Patrick CLANCY (NZL) 100 219 159 20 3. Australia Gold 49.603 +2.84 150 Louis STIBBARD (AUS) 100 850 012 82 135 Ryan LAWSON (AUS) 100 751 840 74 136 Lachlan LOVERIDGE (AUS) 100 751 842 76 4. Australia Red 49.860 +3.10 129 Jaden ROLLISON (AUS) 100 850 002 72 130 Jack OPPERMAN (AUS) 100 850 003 73 131 Declan KEY (AUS) 100 850 004 74 Event 2: Women Junior Team Sprint Qualifying 2 Laps 500m AUSvNZL final - Result 1. Australia Green 36.741 167 Heather MAY* (AUS) 100 723 418 73 185 Eliza BENNETT (AUS) 100 839 504 50 2. New Zealand 37.162 +0.42 192 Olivia KING (NZL) 100 217 697 13 193 Tyla GREEN (NZL) 100 216 772 58 3. Australia Gold 39.745 +3.00 176 Karis BONSER (AUS) 100 751 844 78 197 Shelby JOHNSON (AUS) 100 843 790 68 Event 3: Women Junior Team Pursuit Qualifying 16 Laps 4000m AUSvNZL final; next 2 to bronze ride-off - Result 1.
  • Congressional District Contacts 2009-Sw

    Congressional District Contacts 2009-Sw

    Economic Impact Report July 2009 Importers/Exporters by Congressional District This document features the top importers and exporters by Congressional District. Here are instructions for using this document. The list is organized according to state. Click on Bookmarks to access the tabs for each state. Click on the state you are want to access, and the list of importers and exporters for that state will appear. The footer will show the number of pages for the state you are reviewing. Within each tab is a listing of importers and exporters organized by Congressional Districts. Currently the importers and exporters are listed separately (importers are black and exporters are blue) You may conduct a work search by clicking on the search icon or by clicking Ctrl. F Contact List District DUNS Business Name Address City ST ZIP Contact Name Contact Title Phone Trade Value Emp Here Emp Total Annual US Sales SIC4d Line of Business Alabama - 1 (Imports) 1 008171522 Standard Furniture Mfg Co 801 S Highway 31 Bay Minette AL 36507 Mr. Robert M Hodgson Chairman of the Board (251) 937-6741 $32,882,719 1,200 1,250 $69,600,000 2511 Wood Hshld Furntr 1 034018234 Crown Products LLC 3107 Halls Mill Rd Mobile AL 36606 Mr. Robert Bickert Member (251) 665-3600 $9,700,557 82 82 $9,300,000 5199 Nondurable Gds Nec 1 131045028 Enpro Industries Inc 701 N Dobson Ave Bay Minette AL 36507 Mr. Keith Schumacher Branch Manager (251) 937-4015 $5,279,772 150 - $0 3053 Gskts Pkng Slng DV 1 799040923 Aerostructures Goodrich Group 111 Airport Dr Foley AL 36535 (251) 952-3191 $5,144,238 8 8 $510,000 4581 Arpts Fly Flds Sv 1 197940443 International Furniture Market 801 S Highway 31 Bay Minette AL 36507 Steve Harvey Chief Executive Officer (843) 723-2722 $3,327,561 2 2 $150,000 5712 Furniture stores 1 612130948 Xante Corporation 2800 Dauphin St Ste 100 Mobile AL 36606 Mr.
  • Chapter 4 Safety in the Philippines

    Chapter 4 Safety in the Philippines

    Table of Contents Chapter 1 Philippine Regions ...................................................................................................................................... Chapter 2 Philippine Visa............................................................................................................................................. Chapter 3 Philippine Culture........................................................................................................................................ Chapter 4 Safety in the Philippines.............................................................................................................................. Chapter 5 Health & Wellness in the Philippines........................................................................................................... Chapter 6 Philippines Transportation........................................................................................................................... Chapter 7 Philippines Dating – Marriage..................................................................................................................... Chapter 8 Making a Living (Working & Investing) .................................................................................................... Chapter 9 Philippine Real Estate.................................................................................................................................. Chapter 10 Retiring in the Philippines...........................................................................................................................