Mbj july26 2013

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July 26, 2013 • Vol. 35, No. 30 • $1 • 20 pages

SPECIAL REPORT

Bursting the mortgage bubble

Non-traditional loans may be in trouble Page 2 MBJ FOCUS: ARCHITECTS & ENGINEERS

Firm targeting major projects Page 13

2 I Mississippi Business Journal I July 26, 2013 MORTGAGE LENDING

Bursting balloons: New mortgage rules may deflate non-traditional lending » Federal regulations that take effect Jan. 10 will make balloon mortgages too risky to issue in many Mississippi counties

By TED CARTER I STAFF WRITER ted.carter@msbusiness.com

New federal mortgage lending rules soon to take effect will handcuff lenders in many rural Mississippi counties who make nontraditional mortgage loans and keep the loans on their books, bankers in the state say.

The rules are yet another piece of fallout from the banking crisis of the late part of the last decade. In this instance, lawmakers and regulators through the Dodd-Frank Financial Reform Act of 2010 set their sights on preventing a repeat of the unwarranted mortgage lending and selling of bundled toxic mortgages on secondary markets.

Caught in the regulatory sweep, however, is the longstanding practice in rural parts of Mississippi and elsewhere of letting homebuyers take out non-conforming mortgages that balloon after five or so years and are either refinanced into another balloon or converted to a conforming home loan. The balloon mortgages are deemed non-conforming and are kept off the secondary market.

But they appear headed for extinction, nonetheless.

New U.S. Consumer Financial Protection Bureau rules that take effect in early 2014 will make the balloon mortgages too risky to issue in many counties, thus ending the decades- old way of making home loans across rural Mississippi, bankers with both large and small banks in the state say.

Mississippi’s smaller banks that meet a list of requirements will get until Jan. 10, 2016 to ease into the new regulatory era. Still other banks that operate in counties designated by the Consumer Financial Protection Bureau as “rural” or “underserved” are promised legal protections for the balloon lending.

Large banks over $2 billion in assets that serve rural communities will bear the full brunt of the rules starting Jan. 10.

Looking ahead, it’s difficult to over-estimate the reach and ramifications of the new rules, at least in a rural state such as Mississippi where many banks initiate non-traditional loans, says Butler Snow banking attorney Ed Wilmesherr.

Under the parlance of the new rules, non-conforming mortgage translates to “rebuttable” mortgage, or one that can later be challenged by the borrower for a range of reasons relating to how the bank underwrote the loan. Just the opposite happens with “Qualified Loans,” a classification the

INSIDE » Meeting qualified loan rules may open banks to discrimination scrutiny. Page 3

Consumer Financial Protection Bureau reserves for loans that meet rules for conforming loans.

These get “safe harbor” from borrower lawsuits and thus will be attractive to investors in the secondary market.

“The ability-to-repay Dickey rule and qualified mortgage rule have the potential to perhaps be the most important regulatory developments in a very, very long time” short of passage of the Fair Lending Act and Equal Credit Opportunity Act, Wilmesherr said in an interview last week.

This is essentially because the rules that go into effect Jan. 10 get at who qualifies for a home loan, the pricing of the home loan and the potential liability for whomever makes the home loans, he said.

Non-conforming a mortgage mainstay In rural regions of Mississippi and elsewhere, the non-conforming balloon loan — typically one that comes due after five years and is either refinanced or converted to a traditional loan — accounts for significant portions of a bank’s mortgage business. Beyond typical reasons such as an inability of borrowers to meet down payment requirements, conforming loans require property appraisals by which the appraiser must include “comparable sales” of similar properties within close proximity and within a recent time period.

The task is made near impossible by the infrequent turnover of houses in the countryside, even if the homes were within the necessary comp sales radius, said Robert Barnes, president and CEO of Priority One Bank, a $510-million community bank based in Magee.

Unable to meet the collateral requirements and other mandates for a conforming loan, lenders resort to the non-conforming balloon loans, Barnes said.

The solution is to get the borrower into a balloon loan and try to put him into a conforming one after the first balloon, usually in five years, he said.

The long-held practice will be much too risky under the new Qualified Mortgage Loan rules, according to Barnes, who has been accustomed to making such loans since starting at Priority One as a loan officer in 1983.

He said he and other bankers worry that courts may invoke the new rules to order banks to pay a host of costs, including punitive damages and, ultimately, having to forgive the loan without foreclosing on the property that secured it.

In such a scenario, the American Bankers Association warned, the effects could ripple through a bank’s entire portfolio. “In short, in the case of a proven violation, it is possible that the lender may find it more advantageous to actually forgive a significant portion of the remaining indebtedness, thereby raising issues as to the value of a portfolio of loans that may bear the same defects,” the ABA cautioned in a recent national advisory.

Barnes’ read is that lenders can still make the non-conforming loan, but “you’re wide open” to legal trouble.

“Most banks aren’t going to accept the liability at that level.”

And that could include Priority One, which has 11 locations from Brandon to Hattiesburg.

“Those are going to be essentially eliminated,” said Odean Busby, Priority One Bank chairman and this year’s chair of the Mississippi Bankers Association.

Both Busby and Barnes say they are perplexed by the Consumer Financial Protection Bureau’s targeting of balloon loans as part of a consumer protection strategy.

“When we are carrying these mortgages inhouse, we have the flexibility to make that work for everybody,” Busby said.

“The sad part,” Barnes said, “is that some of your rural markets just aren’t going to be able to be served. I think that is just the opposite effect of what it intended.”

With non-conforming loans ineligible for sale on the secondary market, banks such as Priority One keep the loans in their portfolios, a circumstance that Barnes says ensures diligent scrutiny of the borrower’s repayment ability.

Added Busby: “They are going to underwrite those loans to the very best degree they can, because they are going to be collecting on those loans” for many years.

“The banker knows that customer. They know where the house is. They see that house day in and day out.”

The American Bankers Association advisory suggests the Consumer Financial Protection Bureau is conflicted in its thinking

Balloon mortgages will live on in certain ‘rural & underserved’ Mississippi counties

By TED CARTER I STAFF WRITER ted.carter@msbusiness.com

Mortgage lenders operating in 34 of Mississippi’s 82 counties can continue to make balloon-payment mortgages under a special exemption the U.S. Consumer Financial Protection Bureau has granted counties it designated as “rural” or “underserved.”

Lenders in the exempted counties that meet specific requirements can continue making the balloon-payment mortgages without fearing the legal liabilities that will be faced by their counterparts in Mississippi counties not designated as “rural” or underserved.”

The brunt of the new mortgages rules won’t be felt immediately after Jan. 10 by small banks of under $2 billion in assets that operate in counties not on the rural and underserved list. They can continue issuing the balloon mortgages through Jan. 10, 2016, provided they keep the loans in their portfolios for at least three years, set the balloon period to at least five years and make no more than 500 first-lien mortgages a year.

For the two-year transition period, regulators will give the balloons “qualified” loan status. After that, banks will issue them without the legal protections that accompany the “qualified” loan designation. That means exposure to individual borrower and class action suits challenging the underwriting and adherence to guidelines of the balloon mortgages, according to Ed Wilmesheer, banking lawyer with Ridgeland’s Butler Snow.

“They can come in and say you really didn’t do what you said you did,” he said.

Many more community banks in rural stretches of Mississippi and throughout the country should have been granted the exemptions, the Independent Community Bankers of America, or ICBA, says. The Consumer Financial Protection Bureau used a much too-narrow definition of “rural” in compiling the exempted county list, the ICBA said, charging the list left off too many communities and unnecessarily cut off access to credit.

Bill Loving, ICBA chairman and president and CEO of Pendleton Community Bank in Franklin W.V., said an ICBA survey shows that “some Main Street communities could be cut off from a critical source of mortgage credit without adjustments to the CFPB’s new mortgage rules.”

The financial services industry has always deemed balloon-payment mortgages made See

See

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RURAL & UNDERSERVED, Page 3

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MORTGAGE LENDING

Meeting qualified loan rules may open banks to discrimination scrutiny » Ending balloon mortgage lending could expose banks to CRA, Fair Lending penalties

By TED CARTER I STAFF WRITER ted.carter@msbusiness.com

Adhering closely to the new mortgage lending rules of the federal Consumer Financial Protection Bureau could get Mississippi banks into hot water with examiners who scrutinize banks’ community reinvestment and fair lending practices.

Mortgage lending rules that kick in on Jan. 10 designate mortgages as qualified and not-so-qualified. Issuing qualified mort- Lewis gages that meet conditions for conforming mortgage loans gives lenders legal protections, or “safe harbor,” from borrower lawsuits.

On the other hand, the not-so-qualified mortgage loans, or non-conforming mortgages officially termed “rebuttable” loans, carry no such legal protections. These are predominantly the non-traditional balloon loans that are a mainstay of residential mortgage lending throughout rural regions of Mississippi and other states.

The Catch 22 is that putting the brakes on providing balloon mortgage loans could expose banks to penalties for failing to meet federal Community Reinvestment Act standards and provisions of the Fair Lending Act, said Ridgeland-based Butler Snow banking attorney Ed Wilmesherr, who expects to have a busy year ahead helping banks balance the competing federal regulatory demands.

The Community Reinvestment Act, enacted in 1977, requires banks and savings & loans that receive FDIC deposit insurance to serve a cross-section of borrowers, including people who live in low- and moderate-income neighborhoods.

In meeting the Consumer Financial Protection Bureau’s qualified mortgage rules, Wilmesherr said, “There may appear to be discrimination when, in fact, all the bank was trying to do was make qualified mortgages.”

The root of the pending troubles, he said, is that the regulations have “not been synched in a very satisfactory way.

“I think in some cases satisfying one may create a problem with the other, maybe two others,” Wilmesherr said.

Ben Sones, head of the banking group at Ridgeland’s Taggart, Rimes & Graham, attributes the regulatory conflict to the different missions of the new entry into mortgage lending regulation — the Consumer Financial Protection Bureau — and the Federal Deposit Insurance Corp.

While the Bureau seeks to ensure consumer protection, the FDIC focuses on a bank’s financial safety and soundness as well as its conformance with anti-discriminatory lending rules.

“It’s a tough scenario… the experts have to read the tea leaves to advise you how to respond to contradictory legal requirements,” Sones said. “The best we can do is try to see what others in the industry are doing to establish some consistency.”

The CRA risk for banks that make only qualified mortgage loans is real enough, said Debra Taylor Lewis, banking attorney and partner at Birmingham, Ala.’s, Balch & Bingham.

“This requires every bank to perform a strategic reassessment of their mortgage business, to determine their CRA and fair lending risks encountered by implementing the new QM rules,” Lewis said.

Sones said he will urge his community bank clients to continue with the non-traditional loans, a move that will help his clients on the CRA side but expose them to new legal liabilities. “I will advise my banks that we have got to make these loans -- that‘s what we do. We‘re a community bank.”

The Consumer Financial Protection Bureau’s new mortgage rules provide some flexibility to smaller banks with under $2 billion in assets -- at least during a two-year phasein period that runs through Jan. 10, 2016. These banks, provided they make no more than 500 mortgage loans a year, will get “safe harbor” protection on their balloon loans for the two-year period. Also, community banks that operate in 36 Mississippi counties designated as “rural and underserved” will get safe harbor on their non-conforming loans for an indefinite time after Jan. 10.

All of the flexibility built into to the rules went to the smaller banks, according to Butler Snow’s Wilmesherr. “By definition Bancorp South, Regions and even Renasant are not going to be eligible for any of that flexibility.”

The result could be new difficulties for the bigger banks in meeting CRA standards in the rural communities they serve, Wilmesherr said.

In what he concedes is an act of faith, he said he is banking on examiners understanding the competing demands put on lenders since enactment of the Dodd-Frank Financial Reform Act and the Consumer Financial Protection Bureau that sprung from it.

“I tend to believe that if a bank really has its act together and understands the QM (qualified mortgage) rules and ap-

Continued from Page 2

attend making non-QM loans and the policies and robust controls that they will need to do so.”

on non-qualified loans. “The Bureau has expressly recognized that in many instances, appropriate, prudent loans will not meet the QM requirements,” the ABA advisory said, but added: “The Bureau encourages creditors to make non-QM loans.”

But lenders should do so fully aware of the liabilities the non-qualified loans carry, the ABA warned.

“Lenders should understand the risks that

Worry Fits All Sizes Ray Britt, longtime president & CEO of Mississippi’s smallest bank, the $52-million Bank of Walnut Grove, said the new rules have given him “a lot to worry about.”

Chief among the worries is the possible demise of the bank’s customary origination of non-conforming loans, he said. “If we are unable to balloon, that is going to effectively take us out of our mortgages.”

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throughout Mississippi and elsewhere as non-conforming. A chief reason for that classification is the absence of securitization that could otherwise qualify the borrower for conforming loans such as those insured by the Federal Housing Administration, the U.S. Department of Agriculture or the Department of Veterans Affairs.

These loans are traditional 15- and 30-year mortgages eligible for sale in secondary markets.

Bankers in rural Mississippi attribute the securitization problem to the difficulty of finding comparable recent sales in the vicinity of the home to be financed. “They don’t conform to those guidelines so they can’t get a conventional mortgage,” said Robert Barnes, president and CEO of Magee’s First Priority Bank.

Meanwhile, small banks in rural counties not on the list of rural and underserved counties are in a “quandary” over the type loans they will make after Jan. 10 2016, Butler Snow’s Wilmesheer noted.

“I don’t think we have anybody who says they know what they are going to do,” he said.

What they do know, he said, is that they are going to have to make qualified mortgages.

MISSISSIPPI COUNTIES DESIGNATED AS RURAL & UNDERSERVED: Adams Alcorn Attala Bolivar Calhoun Carroll Chickasaw Choctaw Clarke Clay Coahoma Covington Franklin George Greene Grenada Holmes Humphreys Issaquena

Itawamba Jasper Jefferson Jefferson Davis Kemper Lauderdale Lawrence Leake Lee Leflore Lowndes Marion Monroe Montgomery Neshoba Newton Noxubee Oktibbeha Panola

Pontotoc Prentiss Quitman Scott Sharkey Smith Stone Sunflower Tallahatchie Tippah Tishomingo Union Walthall Washington Wayne Webster Wilkinson Winston Yalobusha

plies them consistently, they ought to be able to explain to an examiner why some people got approved and others did not get approved.”

But that does not mean banks won’t spend a lot of time and money trying to explain it, he said.

Count BancorpSouth a likely candidate to depart the balloon mortgage business as well, says Scott Dickey, president of the mortgage division of the $13.4 billion regional bank headquartered in Tupelo.

“We will try to stay within the Qualified Mortgage safe harbor bucket as far as the business we do,” said Dickey, whose bank has nearly 300 locations in both urban and rural areas from Florida to Texas.

“As far as non-qualified mortgage loans, we’re going into a gray area that I don’t think many banks are going to play in,” Dickey said.

The potential for trouble, especially

from class action lawsuits, is too great, he said, repeating the lament of Priority One’s Busby and Barnes and Bank of Walnut Grove’s Britt.

“That’s not an avenue we want to be blazing a trail into…,” Dickey said of balloon mortgage lending in the new regulatory era that begins Jan. 10.

The more immediate task, he added, is for BancorpSouth to beef up its referral service to try to get the customer into a loan product that is Qualified Mortgage eligible.

“That’s going to be our challenge.”

4 I Mississippi Business Journal I July 26, 2013 PROFILE: PARKER HILLS

Renaissance general » Hills juggles Battle Focus with writing, archeology and more

FILE / MBJ

Parker Hills.

BY WALLY NORTHWAY I STAFF WRITER wally.northway@msbusiness.com

Parker Hills is making shambles of Douglas McArthur’s philosophy of old soldiers fading away. But then, there is nothing stereotypical about him.

Soft-spoken and unassuming, Hills greets people at the Clinton eatery Pimento’s with a warm hello.

Studying his coffee, he talks about his art educational background in art and psychology, his military career, his work to properly interpret and preserve Civil War battlefields

and his books, eventually getting around to his leadershiptraining/historical tour company Battle Focus.

“People ask me now, ‘Isn’t great to be doing what you love?’” Hills says.

“I tell them I’ve always done what I love. I loved soldering. And, I’m still having fun.”

It has been an interesting career, indeed.

A native of Jackson who grew up with a keen interest in the Civil War, Hills elected to attend the University of Southern Mississippi, earning his undergraduate degree in commercial art. He also faced conscription in the Korean War and joined the ROTC. “I knew I was going to get drafted, so I figured if I’m going to serve, I might as well be an officer,” says Hills, who would go on to unit command in Korea.

Hills would leave the military briefly, forming an advertising agency with his wife, Carol, a Hattiesburg native who Hills affectionately calls his “chief of staff.”

Then, the Vietnam War came.

“It was like I was on the sidelines during a big game,” Hills says. “I couldn’t stand it.”

Upon arriving in Vietnam, he was immediately transferred to command of an artillery unit back in Korea. He would go on to forge a 32-plus year military career, serving in Desert Storm and leading counter-drug operations before retiring as a brigadier general in the Mississippi Army National Guard in 2001.

After retirement, Hills went full bore into his work to document and preserve Mississippi’s Civil War battlefields, playing a key role in understanding battle sites such as Raymond and Brice’s Crossroads. He has literally re-written history with his many finds, particularly relating to the Vicksburg campaign, and has played a key role in landing funds for battlefield preservation. Hills has served as president of Friends of the Vicksburg Campaign and Historic Trail, president of Friends of Raymond, chairman of the Mississippi Civil War Battlefield Commission and is chairman of the Mississippi Sesquicentennial of the American Civil War Commission. He has also written or co-written four Civil War books, including “Art of Commemoration,” which studies the monuments and statues at Vicksburg National Military Park

and ties back in with Hills’ art education.

He has contributed to a fifth book, “The Vicksburg Campaign: March 29-May 18, 1863,” which is due out this fall, and is currently at work on “The Natchez Trace Civil War Trail in Mississippi.”

However, Hills, who also holds a master’s degree in educational psychology from Sul Ross State University and is a graduate of the U.S. Army War College, has had to adjust his archeologist/battlefield detective/author/historical activist schedule to make room for Battle Focus.

The Army utilizes a training program called staff rides, where officers tour battlefields to learn about decision-making, leadership, tactics, etc. While still in the military and due to his expertise in local Civil War actions, Hills led staff rides of Mississippi Civil War battlefields.

That would follow him. The same year he retired, he got a call from the Army asking if he would be willing to continue to lead Mississippi staff rides.

“I never thought it would go past that,” Hills admits.

However, he subsequently got a call from a civilian group who asked if he would lead them on a Civil War tour.

“I was apprehensive. Then, I found out I loved it,” Hills says. “I didn’t have to worry about being a general — I could just be myself.”

Since then, Clinton-based Battle Focus has added corporate clients, using the state’s battlefields as classrooms in strategic thinking, team-building, etc. He now counts clients from all over the country and world.

“The growth of Battle Focus has come from just meeting demand,” Hills says.

“Nobody wants to tour a battlefield in Mississippi in July, so I use the summer months to do research and write. The rest of the year I stay busy with Battle Focus.”

For more information on Hills and Battle Focus, visit www.battlefocus.com/.

EB-5 VISAS CHALLENGED

Former GreenTech fundraising partner under federal investigation

By CLAY CHANDLER I STAFF WRITER clay.chandler@msbusiness.com

One of the fundraising functions for GreenTech Automotive is under federal investigation related to President Barack Obama’s pick for the No. 2 spot at the Homeland Security Department.

Gulf Coast Funds Managament, LLC, serves Mississippi and Louisiana under the EB-5 program, which allows foreign investors to earn permanent resident visas for investing in U.S. economic development projects. Investors have to kick in a minimum of $1 million to qualify; that amount drops to $500,000 if the project

is in an economically depressed area, such as Tunica, where GreenTech has plans for a facility to produce electric cars.

GreenTech started building the MyCar, a neighborhood electric vehicle, in Horn Lake last year. The company said last week that construction in Tunica has entered its second phase, which GreenTech was the main building phase.

It will include the construction of GTA’s manufacturing facility, offices and meeting space, and will run through the end of this year. Production is scheduled to start by April.

“After more than a year of planning, testing and site preparation, we are excited for GreenTech’s permanent home to start

taking shape in Phase 2,” said Charles Wang, GreenTech chairman and CEO of GTA. “The new facility is being designed for a production capacity of 30,000 vehicles per year. We are looking forward to completing the new facility early next year and continuing to create new jobs in northern Mississippi.”

GreenTech has until the end of 2014 to create a minimum of 350 jobs at its Tunica facility, per the terms of a $3 million loan the Mississippi Development Authority made the company in 2011.

The Tunica news was met with skepticism by opponents of Terry McAuliffe, Virginia’s Democratic gubernatorial nom-

inee who served as GreenTech president until late last year.

The Associated Press in Virginia reported that Obama’s pick for the Homeland Security Department’s No. 2 spot, U.S. Citizenship and Immigration Services director Alejandro Mayorkas, is under investigation for his role in helping a company run by Hillary Rodham Clinton’s brother, Anthony Rodham.

That company, Gulf Coast Funds Management, LLC, is among hundreds of “regional centers” involved in the EB-5 See

GREENTECH, Page 19

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GULF COAST RESEARCH LAB

Jimmy Buffet and old oil » Donated research boat now burning waste vegetable oil

BY WALLY NORTHWAY I STAFF WRITER wally.northway@msbusiness.com

In his song “A Pirate Looks at 40,” Mississippi singer/songwriter Jimmy Buffet wrote: “Mother, mother ocean, I have heard you call. Been wanting to sail upon your waters since I was three feet tall.”

Recently, Buffet put his money where his guitar is.

He, along with his family, has played a key role in a unique project that combines Jimmy Buffet’s lifelong fascination with the sea, education and the need to protect and nurture the environment.

The University of Southern Mississippi’s Gulf Coast Research Laboratory (GCRL) in Ocean Springs recently augmented the engine of the research/education vessel The Miss Peetsy B to run on waste vegetable oil. A group of students in GCRL’s Sea Camp were the passengers on the 33foot vessel’s initial voyage with its new fuel system last week.

The boat is named for Buffet’s mother, “Peets” Buffet, who passed away in 2003. Jimmy Buffet and his sisters, Lucy Buffett and Laurie Buffett-McGuane, donated the boat to GCRL in 2011.

Jimmy Buffet is an alumnus of USM while “Peets” Buffet was a 1940 graduate of Gulf Park College for Women in Long Beach, which became the main Coast campus of USM in 1972.

USM public information officer Martha Brown said the family donated the ship to further childhood education.

“The Buffets wanted the boat to serve as a floating classroom,” she said. “Now, it teaches children about alternative fuels and the need to protect the environment while at the same time showing them what our researchers do at the Gulf Coast Research Laboratory.”

Randy Holton, MD, was commissioned to execute the engine augmentation. It only took the resident of Folly Beach, S.C., a couple of weeks to finish the project. It wasn’t much of a learning curve as Holton is not only a veteran of alternative fuel conversions, The Miss Peetsy B is not the first boatconversion project he has worked for Jimmy Buffet.

Buffet contacted Holton, who already had a track record of converting buses and vans to run on waste vegetable oil, with a pioneering concept several years ago. Buffet wanted to augment a shrimp boat to run on waste vegetable oil from his Margaritaville restaurant in Myrtle Beach, S.C. It was viewed as a sort of symbiotic relationship – the boat would net shrimp to be served at Margaritaville, and the oil used for cooking them would be captured, processed and fed back into the boat’s fuel tank.

It was the first of its kind in the industry, and proved successful.

“Jimmy now refers to me as his mad scientist,” Holton said with a chuckle.

The Miss Peetsy B played off the shrimp boat project. It will get its waste cooking oil from the GCRL’s cafeteria as well as from Lulu’s at Homeport in Gulf Shores, Ala., a waterfront restaurant owned

by Lucy Buffet.

Still, The Miss Peetsy B encompasses some firsts.

Perhaps the most significant is its dual fuel system.

Holton explained that the engine was augmented to run on diesel as well as vegetable oil. This serves several purposes. One, the boat is more easily cranked on diesel – the cold vegetable oil makes starting the engine difficult, so the boat uses diesel until the engine reaches an optimum temperature and the vegetable fuel system is activated.

It provides redundancy. The vegetable oil systems filters could clog while operating, forcing a difficult filter change at sea.

The dual system also offers an added educational component. The engine cover can be removed allowing children to see the red-colored diesel lines and the amber-colored vegetable oil lines. When the captain flips the switch, they can witness the conversion at work as the lines change from red to amber.

The boat worked flawlessly during its initial voyage last week, and Holton said he was proud to have been a part of it.

He also is proud to be a colleague of Jimmy Buffet.

“Jimmy is very astute, fun to work with, talks a lot but when somebody has something to say he doesn’t know about, he gets quiet,” Holton said. He added that his respect for Buffet only grew when he learned that Buffet wanted the shrimp boat conversion process put online for free for anyone to use – no patents, no proprietary considerations.

“People simply do not know all of the charitable work the man does,” Holton said. “He wants no credit for it.”

Holton can be reached at (843) 696-1941.

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»VIEW FROM THE STENNIS INSTITUTE

The subject of race: Once again

H

ere we are again. The recent Supreme Court holdings on the Voting Rights Act and the Texas Affirmative Action cases, the Trayvon Martin verdict, voter ID and election law changes in a number of states, the Paula Dean debacle, the election and aftermath of controversial Jackson Mayor Chokwe Lamumba and suddenly the major topic of conversation is once again that of race, racism, and the current state of race relations. Recent Sunday political talk shows were virtually 100 percent on topic.

“Vexing” is the word one African-American commentator used to describe the current state of affairs in the racial discussion.

Certainly a central part of the problem in finding the words to enter into a discussion, as President Obama asked us to do, has to do with multiple generations attempting to weigh in with fixed perspectives on a number of fluid situations. There are those who came of age during the Jim Crow era when segregation in the South was a matter of law, and as such it embodied those dreaded code words “our Southern way of life.” Then there are those who primarily remember the transition period characterized by the Civil Rights Act of 1964 and the Voting Rights

» CHUCK McINTOSH

Act of 1965 when racial segregation as a matter of law was ended forever. The years following were characterized by total school desegregation and our initial very clumsy efforts at learning to get along socially as we adapted to the principles of “political correctness.” And now there is the younger generation with little or no personal knowledge of the depth of the struggles that it has taken to get this far. Furthermore, this latter group feels little responsibility for correcting the ills of previous generations.

Thus, we carefully speak in multiple languages reflecting what we have come to believe, given the eras through which we have passed. Yes, there are whites who still embrace a time before the federal government stepped in to guarantee that no law could allocate opportunity based on race and there are younger whites who feel no responsibility for providing corrective measures for inequalities that they feel they had no part in producing. By the same token, there are African-Americans who lived in the Jim Crow era who understandably still harbor resentment for being legally accorded status as second class citizens, and elements of this resentment are passed from one generation to the next.

And yes, there is a growing number of

well meaning whites who endeavor daily to not allow race relations to regress. Furthermore, there is an increasingly more visible number of conservative African-Americans who clearly resent what Marty Wiseman they would describe as lingering paternalistic attitudes on the part of well-meaning whites, and at the same time they resent African-Americans who accept such attention. Noted economist, scholar and prolific writer Thomas Sowell is emblematic of this group.

As if the evolving diversity of experience were not enough, there is the current combative political arena and the diverging economy to consider. The fact that in elections over the past 40 years the AfricanAmerican vote has consistently exceeded 90 percent for Democratic candidates throws fuel on the fire of the growing number of tighter election laws and voter ID legislation. Since these laws have been advocated almost exclusively by Republican majority legislatures the optics makes the black vote and support for the Democratic Party seem almost interchangeable.

As far as the economy is concerned, the growing divide between the well-off and the working classes appears to magnify our inability to empathize with one another’s daily struggles. Thus, we arrive at the scenario characterized by the question: “Since the free market knows no color or race, what is the role of government in creating and enhancing life chances?”

We often hear the phrase “We have come a long way, but we still have a long way to go.”

We picked the “low hanging fruit” when we dispensed with the blatantly discriminatory laws nearly 50 years ago. Arguably, the rest of the way is indeed the hardest part.

President Obama called for a conversation on race. Just as the commentator said, commencing this discussion is “vexing” in light of the fact that we speak from so many deeply held perspectives.

How do we speak with the same language? Perhaps we had better learn because we are fast approaching the day when there will be no majority ethnic group.

Dr. William Martin Wiseman is director of the John C. Stennis Institute of Government and professor of political science at Mississippi State University. Contact him at marty@sig.msstate.edu.

PERSPECTIVE

July 26, 2013 I Mississippi Business Journal

I

» RICKY NOBILE » MIND OVER MONEY

The conundrum: Unemployment and student loans

O »PERCOLATING W/ BILL CRAWFORD

Exports and Ethanol Impact Gasoline Prices

W

ith U.S. oil production soaring and demand for gasoline falling, why are pump prices rising, consumers, small businesses, and local governments want to know.

Yesterday, OPEC was the culprit behind rising fuel prices by limiting the supply of crude oil in the face of growing world demand. Today, the U.S. has nearly weaned itself from OPEC oil as domestic production grows, but must still import crude oil from South America and Mexico. Tomorrow, experts say, U.S. domestic oil production from shale will exceed Saudi Arabia’s.

In early July, oil production in the U.S. jumped to its highest level since January 1992, according to the Energy Information Administration. In March reliance on imported oil had dropped to 11 percent.

Meanwhile, gasoline refineries have increased production capacity even as domestic demand remains flat. A giant BP refinery in Indiana just expanded to process an extra 250,000 barrels of oil per day.

So, shouldn’t more domestic oil and greater supplies of gas bring prices down?

Well, only if that supply is kept in the U.S. In 2011, the U.S. exported more gasoline, diesel and other fuels than it imported for the first time since 1949, according to the Department of Energy. Gasoline exports tripled over the last decade.

“The more fuel that's sent overseas, the less of a supply cushion there is at home,” USA Today reported. “American refiners find it more profitable to sell gasoline, diesel, and other products abroad,” Bloomberg Businessweek reported.

Now come reports that oil companies want to export

American crude oil. Congress blocked crude oil exports after the 1970s Arab oil embargo. Only limited exports to Canada have been authorized. The Wall Street Journal reported in April, “with domestic production booming, energycompany executives are questioning whether the U.S. needs every drop of peBill Crawford troleum it extracts.”

One of the arguments made for exports is that oil from shale is too light for American refineries designed for heavier imported oil. Lighter oil, producers say, is better suited for Europe’s refineries.

The consequence of making U.S. oil and gasoline available to global markets is to permanently tie domestic prices to global prices. A well-supplied, competitive domestic market could avoid the speculative price disruptions the global market suffers every time something happens in the Middle East. But, oil producers and refineries want to export to global markets where demand continues to grow and profits are higher.

Also impacting gasoline prices is the high price of ethanol.

The government currently requires a 10 percent ethanol blend, which reports say adds 17 cents to the price of each gallon of gasoline. The blend requirement moves to 15 percent over the next few years.

Ever higher fuel costs are tough on most consumers, many small businesses, and all local governments.

What will Congress do on this one?

Bill Crawford, a syndicated columnist from Meridian, can be reached at crawfolk@gmail.com.

ver the last few years, I watched the unemployment rate climb to double digits then fall back into the 7+ range. It’s been a long, slow slog to recovery. As I dug through the data on unemployment during this time, some obvious points hit me.

First, the duration of unemployment has been longer than during other recessions, and we still have a high percentage of unemployed Nancy Anderson who have been that way for longer than six months. Many are working for less than they did before the recession, and many are working at jobs that are less than full-time.

But during the entire time, the most interesting piece of data had to do with education. People with college degrees had much lower unemployment rates than those without a degree. In fact, when the overall unemployment rate topped 10 percent, the rate for college graduates stayed in the 5 percent to 6 percent range.

And that’s why the student loan situation is so important.

Rising numbers of high school graduates are heading to college. Fewer families have prepared for such an event. And college costs have gone through the roof. The combination means more and more are depending on grants and loans to make this happen.

While most understand the importance of a college degree, most students (and their parents) don’t understand that not all degrees are created equal. A college degree is an investment in future earnings. Like any investment, one must consider how much money will be returned for the upfront payment.

Before choosing a major, students should get educated about the quality of the degree. First, does the institution awarding the degree have a good track record in placing graduates? Second, is the particular degree marketable? Are there employers looking for graduates in this field? Finally, once employed, how much can this degree produce in income?

Sixty percent of students going to college now will borrow money to pursue this dream. When they graduate, they will have, on average, debt of $26,600. Within the first five years of graduation, two of every five will be delinquent on their loans. Relief in bankruptcy is rare, and loan forgiveness is limited. Currently, $85 billion in student debt is past due, and some retirees are facing a garnishment on Social Security income. Some may die before they pay off their college loans.

Which brings me back to looking at education as an investment. For many families looking to educate their children, loans are the only option, but before blindly taking on debt for that degree, make sure the degree is worth it.

Nancy Lottridge Anderson, Ph.D., CFA, is president of New Perspectives Inc. in Ridgeland — (601) 991-3158. She is also an assistant professor of finance at Mississippi College.

Her e-mail address is nanderson@newper.com, and her website is www.newper.com.

7

8 I Mississippi Business Journal I July 26, 2013 HEALTH

The Zzz Factor » Waging the war on sleep disorders

By STEPHEN McDILL I STAFF WRITER stephen.mcdill@msbusiness.com

Dr. Tandaw Samdarshi with the University of Mississippi Medical Center in Jackson says that in an average lifespan, people will spend more than a third of that time sleeping.

“If you do the math you see that in an average lifespan, we spend 26-27 years sleeping,” he says. “So you can imagine that this is a big part of our life that we are ignoring.

If we could just manage that effectively then we would be much ahead in the game.”

Samdarshi is leading a new study at UMMC funded by the National Heart Lung and Blood Institute that will examine the possible links between sleep disorders among African-Americans and cardiovascular disease, hypertension, cancer, depression and diabetes.

Sleep disorders like the common obstructive sleep apnea have become a new public health concern in the United States since early diagnoses began in the 1990s.

The Mayo Clinic defines obstructive sleep apnea as “a potentially serious sleep disorder in which breathing repeatedly stops and starts during sleep.”

“This may happen several times- the person most of the time may not be aware that this is happening,” Samdarshi says.

While studies like Samdarshi’s are still gathering research on the causes of sleep apnea and how it affects the body, the symptoms are sometimes easy to spot.

Extreme daytime sleepiness or fatigue is naturally the most common symptoms.

Morning headaches, irritability and memory or concentration problems can also be an indicator. Loud snoring is another very common symptom; patients that snore often sleep on their back or have issues ranging from fat deposits in their neck and throat to the size of their tongue that cause a blocked airway during sleep.

While some patients with sleep apnea are overweight, others are not. Blood pressure generally dips during nighttime sleep and in some patients chemicals build up in the body that send a trigger to the brain and body to stop breathing.

“There’s a drop in the oxygen saturation,” Samdarshi says. “That’s one reason the brain gives jolts and breathing stops and starts.”

The result is not only a decrease in oxygen intake into the body but also the sleep cycle itself is rudely interrupted. Samdarshi

Sleep apnea treatment often involves a CPAP machine, which has three main parts: » A mask or other device that fits over your nose or your nose and mouth.

Straps keep the mask in place while you're wearing it. » A tube that connects the mask to the machine's motor. » A motor that blows air into the tube.

Source: National Heart Lung & Blood Institute

STEPHEN MCDILL / The Mississippi Business Journal

More than 70 million American adults and 15 million children say they do not get adequate sleep, according to a University of Mississippi Medical Center cardiology researcher. A study begun earlier this year at the UMMC is examining how sleep disorders like obstructive sleep apnea could contribute to cardiovascular and other diseases.

is also concerned that longterm issues could damage the heart.

“The health consequences for sleep apnea are associated with many chronic conditions like hypertension or arrhythmia,” Samdarshi says. “People may also be subject to congestive heart failure because they have obstructive sleep apnea.” Type 2 diabetes and stroke have also been associated.

Patients curious about sleep disorders or who think they may have one need to first check with their doctor before seeking treatment. Simple surveys that assess a person’s overall sleep quality can be taken and physicians can order a polysomnography or sleep study to get the most comprehensive feedback.

Overnight sleep studies have become a very conventional way to test for a sleep disorder. Multiple electrodes are hooked to a patient and collect data throughout the night while they are asleep in a special lounge. Pauses in breathing and oxygen saturation levels are checked.

“If somebody asks me what’s your favorite mask, I say the one that fits,” says Mark Manning, a respiratory technician with Mobility Medical in Flowood. The medical appliance supplier sells breathing machines and masks for sleep disorder patients.

Continuous positive airway pressure (CPAP) is to date the most effective way to treat most cases of sleep apnea. Using technology similar to a hair dryer, the machines blow air at different pressure levels from a humidifier and a face mask through the mouth and windpipe. The pressure helps keep lazy airways in apnea patients open while they sleep during the night.

While early CPAP models were bulky and noisy, newer models like the Philips Respironics REMstar are barely louder than a ceiling fan. Models range in price from $400-800 and are typically covered by insurance.

Some masks can seem claustrophobic at first, but Manning works with each patient to find the best equipment. Masks can go

over the nose for mouth breathers while others go over the whole face. Some resemble the oxygen masks worn by fighter pilots while others cover the whole face like firefighter masks.

“It’s kind of like Goldilocks and the three bears,” says Mobility Medical CEO Danyelle Carroll. Also a registered nurse, Carroll compares CPAP treatment to the running and aerobics craze of the 1980s.

“It got a lot of media attention and people were starting to see the benefits.”

The best testimonials for CPAP come from Carroll’s own customers. “They say they have energy,” she says. That increased energy has led some patients to exercise more and lose weight, an extra way to fight back against obstructive sleep apnea.

“I tell my patients this is the most treatable thing you can get,” Manning says. “It’s a machine at your home. You don’t have to do MRIs. You don’t have any doctor's visits. This is a simple therapy. There’s no pills involved.”

July 26, 2013

I

Mississippi Business Journal

I

9

PGA GOLF TOUR

Sanderson to mull tournament sponsorship renewal to plan. “They were a great partner,” she said of Sanderson.

Satcher said Wednesday the final numbers were still being calculated, but that attendance exceeded last year’s tournament. She attributed that to most of the hospitality tents

By CLAY CHANDLER I STAFF WRITER clay.chandler@msbusiness.com

A Sanderson Farms executive said Wednesday that a decision whether to pick up the three-year option to sponsor the Sanderson Farms Championship golf tournament would be made this week.

Mike Cockrell, Sanderson treasurer and CFO, said the company’s board will address the option during a meeting Thursday.

The Laurel-based poultry producer stepped in as the title sponsor earlier this year, four months before the tournament, which concluded Sunday, was set to begin.

Sanderson replaced Viking Range Corp. as the event’s title sponsor. Sanderson’s agreement was for this year’s tournament only, but a three-year option was included. The company has 30 days to exercise or decline the option.

“So I think they’ll decide fairly quickly,” Cockrell said. “They need to hear from those of us who were on the ground, what our experience was. One of the reasons we did this obviously was to benefit (the Blair E. Batson Children’s hospital at University of Mississippi Medical Center), as far as how much we were able to contribute through the Birdies for Charity program.

That was our main deal to be honest.”

Cockrell said if Sanderson does renew its sponsorship, one of the priorities will be to spread the tournament’s reach across Mississippi. Right now, he said, it’s mainly an event for Metro Jackson. It’s played at Madison’s Annandale Golf Club. “It really doesn’t get a lot of play beyond that area,” Cockrell said.

Serving as the title sponsor for the tournament represented Sanderson’s first serious foray into the world of public relations and marketing, Cockrell said. Assessing the return the company got will be one of the things the board considers as it makes its decision. Sanderson hired The Cirlot Agency, a Jackson-based PR and branding firm, to market Sanderson and the tournament.

“This is a new venture for us,” Cockrell said. “(The board) needs to get a feel for how the PR went. It was our first time working with a big PR firm. It’s actually been amazing to me how they track how many times we were mentioned whether on a sports or news broadcast, and how much mentions like that would have cost in a traditional advertising setting. They tracked all that, and the board will examine that very closely. We’ll report on that. As an aside, we need to determine whether our customers enjoyed it, and whether we got the right bang for our buck. The rest of it is basically a gut feeling. But I can tell you we had a really good experience with all of it.”

Tournament director Kathryn Satcher said officials were able to do everything they wanted to do in the four months they had

and events being located around the 18th hole, instead of being spread across Annandale like years past.

“That concentrated the energy in one place, and people really responded,” Satcher said.

Check www.msbusiness.com for updates.

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www.msbusiness.com tami.jones@msbusiness.com melissa.harrison@msbusiness.com ashley.varnes@msbusiness.com virginia.hodges@msbusiness.com

INCORPORATIONS

10 I Mississippi Business Journal I July 26, 2013 May 2013 Incorporations This is the May 2013 list of the state’s newly incorporated businesses from the Secretary of State’s Office. Listed are towns from Gautier to Pelahatchie. Listings include business name, type, date formed and location. Addresses reflect legal entity for service of process, not necessarily the new business entities’ operating address.

Gautier Gulf Coast Health Partners 5/2/13 2101 Highway 90 Overwatch Protection Services, LLC LLC 5/31/13 4900 Old Mobile Hwy K-78 (Pascagoula 39581)

Simplygrateful Publishing LLC LLC 5/22/13 2121 Prince George Dr.

Glen Shiloh Distribution Center, Inc. NP 5/31/13 32 County Road 347

Glen Allan

Gloster R&R Bro’s Enterprise LLC LLC 5/14/13 2659 A Bates Ln

Golden Carlos Vargas DBA OTH 5/1/13 3625 Ali8ce Hall Rd Laugh & Learn Clubhouse and Pre-K, Inc.BUS

5/23/13 155 Second Street Vargas’s Drive-In DBA OTH 5/1/13 3625 Ali8ce Hall Rd

Greenville Cypress Development, LLC LLC 5/20/13 500 Cypress Lane Deerfield Farms, LLC LLC 5/23/13 106 Morgan Road Gear’s Trucking LLC LLC 5/10/13 628 Highway 82 East Greenville Neuro Diagnostic Center, P.C. PA

5/3/13 1502 South Colorado St Guest Enterprises LLC LLC 5/16/13 2545 Bob-O-Link Place MC Investments, LTD BUS 5/7/13 449 Oakridge Drive Mississippi Elks’ Charities NP 5/20/13 1109 Cloverdale Drive Morgan Family Properties, LLC LLC 5/23/13 241 Wildwood Drive Puckett Marine, Inc. BUS 5/29/13 1024 Washington Ave., Suite 205 LLC

5/16/13 249 S Poplar Starkville Subways, LLC LLC 5/28/13 1652 Highway 1 South Sunflower County Civil Rights Organization NP 5/1/13 217 Belmont Drive T & M Enterprises & Rentals Inc BUS 5/7/13 1447 Highway 1 South Techeville LLC LLC 5/21/13 1793 E Azalea ST TrancePer TrancePersonal Hynotherapeutics, LLC 5/1/131160 South Beauchamp St., Apt. N-12 TrancePer TrancePersonal Hynotherapeutics, LLC LLC 5/2/13 1160 South Beauchamp St., Apt. N-12 Woman in the Workforce Inc NP 5/2/13 609 Washington Ave

Greenwood Delta Global Farms Logistics, LLC LLC 5/31/13 2903 Cadillac Cove JDNS Investments, LLC LLC 5/6/13 604 East Harding Avenue Landmass Investments, LLC LLC 5/13/13 309 Fulton Street Main Street Barbershop, LLC LLC 5/15/13 310 Main St Martin & Pylate Salvage Services, LLC

Tallahatchie Bridgeworks Media, LLC

5/6/13

LLC

5/1/13 402 East Cleveland Mid Delta Grain, LLC LLC 5/6/13 1201 Riverbend Drive

LLC

401 River Rd

Grenada

Gulfport 5 Star Enterprises, LLC LLC 5/20/13 2218 18Th Street A M Online Research Service LLC LLC 5/16/13 2102 41St Avenue A&B Group, Inc BUS 5/16/13 12435 Plunkett Road (39503) 5/22/13 AgConSer, LLC 5/30/13

LLC

112 New Haven Ct LLC 2218 18Th Street

Alben N Hopkins, Sr. Family Holdings, LLCLLC

5/21/13 1317 26Th Avenue Suite 320 Alfonso Homes, LLC LLC 5/20/13 1213 31St Avenue All About Hair, LLC LLC 5/28/13 1613 25Th Avenue, Suite A AlleyKat Ceramics, LLC LLC 5/16/13 2694 Broadwater Drive Amaragh Associates LLC LLC 5/30/13 2218 18Th Street Amy Elizabeth Johnson DBA OTH 5/9/13 123 Brentwood Blvd Angelhearts Adventures LLC LLC 5/31/13 12435 Plunkett Road B & J Tree Farm LLC LLC 5/30/13 2218 18Th Street Basic Rxc Real Estate Co. LLC LLC 5/2/13 2218 18Th Street BBQ Rescue 911 LLC LLC 5/22/13 2701 24Th Ave. Ben’s Deli, LLC LLC 5/31/13 1412 Pass Road Bragg Trucking, LLC LLC 5/28/13 113 Donna Street Brick and Mortar Vapes LLC LLC 5/30/13 2218 18Th Street Brumbeloe Oil Industry Consulting LLC LLC

5/23/13 Carlise Books LLC 5/16/13

G.H. Properties & Investments LLCLLC 5/10/13 2218 18Th Street Global Edge Public Relations LLC LLC 5/1/13 2218 18Th Street Grateful LLC LLC 5/16/13 2218 18Th Street Gulf Activity Outfitters LLC LLC 5/23/13 2218 18Th Street Gulf Coast Shipyard Operations Inc

Grenada Pacers NP 5/31/13 1360 Sunset Dr., Ste 3 Lake City Thrift, LLC LLC 5/14/13 135 First Street Mothers of Athletes, Inc. BUS 5/23/13 135 First Street Rubylees Transport LLC LLC 5/28/13 27305 Hwy 8 E Youth Achieving More (Y.A.M.) NP 5/8/13 107 Garden Dr

ABC Transportation of Mississippi LLC

Lake Washington Properties, LLC LLC 5/3/13 38 Quong Road Lake Washington View, LLC LLC 5/3/13 38 Quong Road

Stanford Transportation Services LLC

Nehemiah Missionary Baptist Church of Greenwood Ms NP 5/14/13 213 Front Street Southern Dollz L.L.C. LLC 5/28/13 604 East Harding Ave.

2218 18Th Street LLC 2218 18Th Street

Catastrophe Claim Consultants, LLC

LLC

5/8/13 2218 18Th Street Chandlers Studio LLC LLC 5/23/13 2218 18Th Street CMMS, LLC LLC 5/8/13 1317 26Th Avenue, Suite 320 (39501) Coastal Constructors, LLC LLC 5/24/13 5309 Quincy Avenue Coastal Hearing Center, Inc. LLC 5/21/13 1105 30Th Avenue, Suite 300 Commercial Plastics Recycling, Inc.

BUS

5/28/13 12206 Hwy 49 Connie’s Cleaning LLC LLC 5/16/13 2218 18Th Street Conserv Building Services of Alabama IncBUS

5/24/13 12221 Ashley Drive, Suite A & B Cook and Cook Real Estate LLC LLC 5/30/13 2218 18Th Street Creations CNA Training School LLCLLC 5/10/13 2218 18Th Street Culinary Creations in ICE LLC LLC 5/16/13 2218 18Th Street Custom Electrical Solutions LLC LLC 5/24/13 2218 18Th Street Da UndaGround Railroad LLC LLC 5/3/13 2218 18Th Street Dirty-Red Entertainment LLC LLC 5/1/13 2218 18Th Street Disaster Animal Shelter Education and Response, LLC LLC 5/9/13 911 42Nd Ave Double W Farms LLC LLC 5/30/13 2218 18Th Street E-Psychiatry, LLC LLC 5/21/13 2218 18Th Street Eleven Oaks Arts LLC LLC 5/29/13 2218 18Th Street Fal Fal’s Gourment & Gifts, LLC LLC 5/9/13 436 Courthouse Dr

BUS

5/29/13 13085 Seaway Road Gulf Coast Shipyard Realty LLC LLC 5/29/13 13085 Seaway Road Gulfport Glorified Children of God NP 5/1/13 634 24Th Street GWG, LLC LLC 5/17/13 9024 Greymonte Court Hartwell & Family Funeral Home, LLC

LLC

5/23/13 120 Gahan DR Hartwell & Sons Funeral Home, LLCLLC 5/23/13 120 Gahan DR Hayden Wrecking Corporation BUS 5/1/13 12435 Plunkett Road Healing Garden Weight Management, LLCLLC

5/6/13

12100 Highway 49, Building 705

Heritage Cottage Urban Nano Farm LLC

5/8/13

LLC

2218 18Th Street

House n Infrastructural Contractors, LLC LLC

5/3/13 2218 18Th Street Hub City Properties LLC LLC 5/16/13 2218 18Th Street Imagine It Marketing and Media LLC

5/16/13

LLC

17248 Excalibur Circle

INKED Screen Printing & Graphics LLC

LLC

5/30/13 2218 18Th Street InoLect, LLC LLC 5/9/13 12435 Plunkett Road JBird Writers Inc. BUS 5/20/13 2218 18Th Street JD Ventures, LLC LLC 5/7/13 12221 Ashley Drive, Suite A & B JLG Holdings, LLC LLC 5/10/13 19157 Champion Cirlce Kimber Kahn DBA OTH 5/9/13 123 Brentwood Blvd King Road, L.L.C. LLC 5/3/13 1611 23Rd Street KleenRite Janitorial Service LLC LLC 5/8/13 2218 18Th Street Kliche’ LLC LLC 5/7/13 32 Nottingham Circle Krouse Management Company, LLC

LLC

5/21/13 1317 26Th Avenue Suite 320 L&M Farm, LLC LLC 5/29/13 1606 Cypress Lane Ladner Appraisals Inc. BUS 5/28/13 9366 Stone Rd Lagniappe Books LLC LLC 5/15/13 2218 18Th Street Law Offices of Chris E. Smith, PLLC PLLC 5/15/13 2600 13Th Street, Suite 202 Lil Wody Trucking LLC LLC 5/14/13 1112 Rich Ave Long Beach Trucks & Parts LLC LLC 5/21/13 9255 County Farm road Lyrical Fool LLC LLC 5/30/13 2218 18Th Street M & C Handyman Services LLC LLC 5/16/13 213 43Rd St Magee’s Curb Appeal DBA LLC 5/17/13 8405 Georgia Ave Magee’s Curb Appeal, LLC LLC 5/17/13 8405 Georgia Ave MCSM, LLC LLC 5/14/13 1317 26Th Avenue, Suite 320 (39501) Miller International, Inc. BUS 5/20/13 12435 Plunkett Road (39503) Motive8 Industries LLC LLC 5/8/13 2218 18Th Street MPT Properties LLC LLC 5/30/13 2218 18Th Street Nails Enterprises LLC LLC 5/30/13 2218 18Th Street New Storage Zone, LLC LLC 5/29/13 2109 22Nd Avenue Nola Belle Boutique LLC LLC 5/7/13 14285 Christina Michelle Ct. OAK Originals, LLC LLC 5/3/13 2218 18Th Street Pigeon Hole LLC LLC 5/8/13 2218 18Th Street PO Boy Station LLC LLC 5/2/13 2218 18Th Street Pop’s Cajun Boil LLC LLC 5/13/13 1725 Pass Rd Biloxi MS 39531 Queens Limo Corp BUS 5/20/13 651 35Th Street Rawls Consulting, LLC LLC 5/21/13 2218 18Th Street Renewed Interest, LLC LLC 5/21/13 2218 18Th Street

Richie Ladner LLC LLC 5/8/13 12230 Ashley Drive Rookies Sports Grill, LLC LLC 5/23/1312435 Plunkett Road, Gulfport, MS 39503 Rose’s Downtown Bakery LLC LLC 5/20/13 2218 18Th Street Sadie Jane’s Inc BUS 5/21/13 12297 Windward Drive Seams Sew Sweet, LLC LLC 5/28/13 2218 18Th Street Select Ammo LLC LLC 5/16/13 2218 18Th Street Seniors With Attitude Inc NP 5/8/13 2218 18Th Street Serendipity Properties, LLC LLC 5/1/13 1601 23Rd Street Serving While Living LLC LLC 5/14/13 13654 Lawton Lane Shinoa, LLC LLC 5/6/13 625 16Th Street Shop The Big City LLC LLC 5/14/13 12435 Plunkett Road Southern Truck Lines, LLC LLC 5/2/13 2218 18Th Street Spick & Span Cleaning LLC LLC 5/16/13 2218 18Th Street Sunbelt Medical Solutions LLC 5/1/13 1444 Mill Road Superior Lawn Service LLC LLC 5/21/13 2218 18Th Street Surraiya Enterprises LLC LLC 5/21/13 10000 Factory Shops BLVd Sustainable Ecosystem Restoration, LLC LLC 5/6/13 2510 14Th Street, Suite 1010 T. Walker Enterprises, LLC LLC 5/2/13 2218 18Th Street TDG St Pete Housing, LLC LLC 5/30/13 12287 Highway 49 TeenXpress LLC LLC 5/16/13 2218 18Th Street TGJ Real Estate Investment Group, LLC LLC

5/28/13 2420 Burke Street The Buckley Family of Darling Inc. NP 5/21/13 2218 18Th Street The Fruit Station LLC LLC 5/8/13 13678 Skye Ct. The Indie Six LLC LLC 5/6/13 2218 18Th Street The KoJo Group LLC LLC 5/30/13 2218 18Th Street Trinity Yachts DBA BUS 5/29/13 13085 Seaway Road TriStar Airlines LLC LLC 5/20/13 14035-L Airport Rd Ultimate Solutions LLC LLC 5/29/13 2218 18Th Street USA Sales & Distribution LLC LLC 5/15/13 2218 18Th Street Wyld World Entertainment LLC LLC 5/8/13 2218 18Th Street

Guntown JREllis Holdings, LLC LLC 5/22/13 186 Windward Oaks Jump Start Christian Academy NP 5/20/13 1096 C R 833 Mattox Drive, LLC LLC 5/20/13 1065 County Road 176 Specialty Health Services LLC LLC 5/22/13 151 Road 331 Swann Farms LLC LLC 5/24/13 196 County Road 341

Hamilton T & W Management LLC LLC 5/6/13 40584 Old Hwy 45 South

Hattiesburg 200 Fairchild Drive, LLC LLC 5/22/13 309 S 40th AVE 25th LLC LLC 5/22/13 371 Buccaneer Dr 3 B Medical Group, LLC LLC 5/21/13 #1 Willow Bend Drive Alcarez Enterprises LLC LLC 5/8/13 532 Northgate Rd Axiom DR Construction, LLC LLC 5/28/13 1000 Turtle Creek Mall, Suite 290 B & P Management Consultants, LLC

LLC

5/31/13 29 Honors Lane B and S Enterprises LLC LLC 5/2/13 515 Walnut St B&H Logging LLC LLC 5/13/13 580 Churchwell Road Be Ready Solar LLC LLC 5/29/13 211 S 29th AVE Suite 201 Beck Lewis, LLC LLC 5/20/13 37 Charleston Way

Black Creek Productions, Incorporated BUS 5/17/13 47 Smith Mitchell Road Blainewood Oaks, LLC LLC 5/9/13 1301 West Pine Street Brackman Services LLC LLC 5/24/13 5266 Old Hwy 11 Ste 70 Brackman’s Stepping Stone Rock and Garden Center, LLC LLC 5/17/13 2 Pioneer Road East Cavalry Construction Co., LP LP 5/2/13 211 S. 29th Ave., Ste 201 Chanbly LLC LLC 5/8/13 2813 Jamestown Road Clark Avenue Holdings LLC LLC 5/2/13 1900 D Hardy St CNRS&Z, INC. BUS 5/13/13 600 Mandalay Drive Continuing Hopes & Dreams NP 5/3/13 912 Beech St CRS Patio, LLC LLC 5/10/13 309 South 40th Avenue Deep South Contractors LLC LLC 5/15/13 121 W. Park Dr. Room #123 Environmental Solutions LLC LLC 5/13/13 16 Montclaire Executive Development of Hattiesburg, LLC LLC 5/14/13 6892 U.S. Highway 49 N Exit Strategies, LLC LLC 5/3/13 308 4Th Ave Faith Tabernacle of Praise Christian Church, Inc NP 5/6/13 100 Bankston Arms Drive Fancy Cosas LLC LLC 5/2/13 1817 Eva Street Four Corners Distibutor, Corp. BUS 5/6/13 40 Shelby Thames Free Space, LLC LLC 5/15/13 5266 Old Hwy 11 Suite 70 - PMB 306 Hutto Properties LLC LLC 5/9/13 2111 Sunset Drive Jessica M. McCarthy DBA OTH 5/29/13 214 Lynwood Circle Katthomnoel L.L.C. LLC 5/6/13 200 South 27th Ave Keenallied LLC LLC 5/29/13 211 S 29th AVE Suite 201 Kent Bass Enterprises LLC LLC 5/7/13 12 Marlin Circle Landcon LLC LLC 5/10/13 3420 Hardy St Life Construction Ministries, Inc BUS 5/16/13 307 West Pine Street Life Construction Outreach, Inc NP 5/16/13 307 West Pine Street Maa Chehar L.L.C. LLC 5/31/13 6574 U.S. Hwy 49 North McCarthy, CPA DBA OTH 5/29/13 214 Lynwood Circle McFadden CPA Firm, PLLC PLLC 5/7/13 5 Williow Bend Dr MG Freeman Enterprises, LLC LLC 5/15/13 5266 Old Hwy 11 Suite 70 - PMB 306 MWSSE, LLC LLC 5/3/13 307 West Pine Street Nitt Inc 5/7/13 P O Box 16811 NU 2 U BUS 5/13/13 600 Mandalay Drive Oak Grove Treasures LLC LLC 5/2/13 4906 Old Highway 11 Suite #3 PCFF, LLC LLC 5/29/13 906 South 34th Ave PHH & H, P.A. PA 5/14/13 140 Mayfair Rd Ste 700 (39402) R B Management Services LLC LLC 5/14/13 17 Montebello Remy Paul Properties LLC LLC 5/10/13 36 Charleston Way Rookery III Properties, LLC LLC 5/15/13 4401 West 4th Street RORO Quitman, LLC LLC 5/3/13 2603 - A Oak Grove Road Sleep Management, LLC LLC 5/8/13 155 Cross Creek Parkway #126 Spotless Cleaning Services of the Pine Belt, Incorporated 5/8/13 P O Box 427 T-Bios Technologies LLC LLC 5/23/13 312 7Th Ave. The Grove Salon Suites, Inc. BUS 5/21/13 57 Madison Place The Vintage Lily LLC LLC 5/16/13 125 Pecan Acres Trusted Code Foundation Inc NP 5/23/13 199 Bent creek Truth, Love, and Compassion Ministry Inc NP

5/20/13 25 E Donnington Ct TyMax Group, LLC LLC 5/15/13 1305 Penton St

WM Resource Staffing LLC LLC 5/23/13 26 Cherokee Road Yeah Buddy, LLC LLC 5/17/13 52 Monroe Road Yellowhammer Intellectual Property Group PLLC PLLC 5/1/134124 W 4th St, Apt 1408 Hattiesburg, Ms 39401

Hazlehurst Cassidy’s Closet Pageant Wear and Boutique LLC LLC 5/2/13 151 W Gallatin St Jeffrey A. Varas, P.L.L.C. PLLC 5/13/13 119 Caldwell Drive St. Joseph Hospice of West Mississippi, LLC LLC 5/28/13 244 N. Caldwell Stoutco Timberlands, LLC LLC 5/31/13 322 West Gallatin Street William H Smith, Jr., Consulting, LLC

5/21/13

LLC

322 West Gallatin Street

Heidelberg K&B Properties LLC LLC 5/31/13 2398 Highway 528 Plummer Construction, LLC LLC 5/20/13 292 Cr 292, Pachuta Ms 39347

Hermanville RICH Plumbing, LLC LLC 5/8/13 1037 Hard Times Rd

Hernando DeSoto Outdoors & Archery LLC LLC 5/21/13 423 North Street Dyer and Associates CPA, PLLC PLLC 5/23/13 1645 Oak Crest RD Global Leader Homes LLC LLC 5/7/13 1189 West Oak Grove Road Independent Planning Group LLC LLC 5/14/13 2540 Highway 51 South Iris Express Lawn Care, LLC. LLC 5/24/13 1566 McIngvale Rd Kiwi Couture LLC LLC 5/21/13 2183 Oak Creek Drive Lamb’s Lawn Care LLC LLC 5/31/13 1900 Slocum Road Little Artsy, LLC LLC 5/7/13 3384 Pettingill Way Oak Tree Animal Clinic LLC LLC 5/6/13 1974 Oak Tree Cove Payne Lane Development LLC LLC 5/6/13 213 Green T Lake West Drive Resin Research & Recovery, LLC LLC 5/6/13 619 Thunderbird Drive, N. Smith and Shaw Law PLLC LLC 5/21/13 2446 Caffey St., Suite 2B SMJ, LLC LLC 5/28/13 2584 Hwy 51 South Southern Roots Nursery and Garden Center, LLC LLC 5/8/13 3084 Stonehenge Dr Wulff Valley Company, LLC LLC 5/31/13 165 W. Valley Street

Holly Springs EBJM Properties LLC LLC 5/15/13 126 North Spring Street Endville Market LLC LLC 5/30/13 126 N Spring Street Oxford Floor Covering and Interiors, LLC LLC

5/20/13 142 Palomino Run Pennington Auto LLC LLC 5/24/13 103 Dollie Irene Dr

Houston ABOP, LLC. LLC 5/28/13 111 East Washington Street Advanced Case Management, LLC LLC 5/28/13 111 East Washington Street Akins Trucking LLC LLC 5/9/13 940 County Road 417 Ascent Home Lending LLC 5/13/13 1177 West Loop South Suite 850B Carter Farming & Logging LLC LLC 5/7/13 916 County Rd 424 Double L Cattle Belize LLC LLC 5/2/13 111 East Washington Street Holleman Investments, LLC LLC 5/9/13 201 CR 90 John Smith Construction, Inc. BUS 5/17/13 285 County Road 166 STR8 Security LLC LLC 5/24/13 227 Mill Drive

Indianola Hull A/C & Heating, Inc. BUS 5/31/13 1453 Hwy 82 East Mid-South Sweeper Service, Inc BUS 5/8/13 108 Lee Circle Prodigy House Incorporated NP 5/2/13 606 Church Ave WB & WB Transport LLC LLC 5/21/13 2106 Kinlock Rd

Itta Bena Mike and Son Inc BUS 5/17/13 40200 Highway 82 West

Iuka Hi-Tech Trucking LLC LLC 5/13/13 162B CR 299 Paden Holdings, LLC LLC 5/15/13 1770 Pleasant Hill Rd RG Properties LLC LLC 5/14/13 123 South Fulton Street

Jackson 1449 University BLVD, LLC LLC 5/9/13 704 North President Street 1Tire Service of Jackson LLC LLC 5/8/13 3302 Bailey Ave 829 West Lake Dockery, LLC LLC 5/9/13 704 North President Street ABG Contractors Inc BUS 5/9/13 2570 Bailey Ave Ste 10 ABSIST LLC 5/13/13 102 N Mill Street Suite 1206 ABSIST LLC LLC 5/17/13 102 N Mill Street Suite 1206 Accountable Care Coalition of Mississippi, LLC LLC 5/24/13 506 South President Street Agapao Properties, LLC LLC 5/9/132738 McDowell Road Ext. Apt. B, Jackson MS 39204 AK Environmental, LLC LLC 5/29/13 506 South President Street Alignment Jackson, Incorporated NP 5/14/13 843 North President Street ALPA Construction Inc. BUS 5/9/13 506 South President Street AM Goff Foundation NP 5/14/13 214 Manchester Avenue Ambrosino Properties Management LLC LLC

5/9/13 1227 Fortification Street Ambrosino Properties, L.P. LP 5/10/13 1227 Fortification Street America Business Online Computing Consulting, LLC LLC 5/29/13 350 Maryland Dr (39209) American Medical Alert Corp.

BUS 5/23/13 506 South President Street Auto Knight Motor Club Inc. BUS 5/31/13 840 Trustmark Building Aztec Financial, LLC LLC 5/6/13 506 South President Street B & D Industrial Inc. BUS 5/10/13 405 Briarwood Dr Ste 103 A B&L Cable Construction, LLC LLC 5/13/13 405 Briarwood Dr Ste 103 A Bambr Holding, L.L.C. LLC 5/2/13 1485 Livingston Lane BarnettUSA Inc BUS 5/23/13 460 Briarwood Dr Big Mallett Renovations LLC LLC 5/6/13 405 Briarwood Dr. Ste 103A Bonnie Martin Risler Properies 5 LLC

LLC

5/31/13 385 Brookwood Lake Borrowed Productions, LLC LLC 5/8/13 133 Millsaps Ave Branford Auctions LLC LLC 5/6/13 506 South President Street Bright Lite Properties LLC LLC 5/1/13 3470 Shady Oaks St Burwell Blades LLC LLC 5/31/13 3303 N State St Callistic Information Systems LLC LLC 5/20/13 1985 Lakeland Dr Ste 104 CALM LLC LLC 5/7/13 4500 North State St. Cars Recon, Inc. BUS 5/22/13 506 SOUTH PRESIDENT ST Cascade Drilling , L.P. LP 5/7/13 506 South President Street Cascade Holding Corporation BUS 5/6/13 506 South President Street Castro Roofing of Texas, L.P. LP 5/20/13 840 Trustmark Bldg, 248 E. Capitol St CC Products, LLC LLC 5/15/13 4450 Old Canton Rd, Ste 200 (Jackson 39211) Cedric O. Buckley DBA OTH 5/29/13 23 Oak Creek Place

INCORPORATIONS CGL Facility Management LLC LLC 5/14/13 248 East Capitol Street, Suite 840 Childrens First Christian Learning Center LLC LLC 5/16/13 1034 Barbara Ann Drive Chinh Truong Queen Nails LLC LLC 5/28/13 4436 N State Suite A-5 Christ the Only Way Ministry NP 5/6/13 3654 Hollywood Ave Church of GOD State Executive Offices NP

5/22/13 4655 Terry Road Church on Sundays, LLC LLC 5/2/13 5116 Meadow Oaks Park Dr, Jackson, MS 39211 City View Condominium Association NP 5/20/13 200 South Lamar St, Suite 1100 South

Classic Hail & Dent Co. BUS 5/7/13 530 S State Street Clean Sweep of MS LLC LLC 5/17/13 210 Briarwood Dr Apt 6202 Cogentrix Field Services LLC LLC 5/10/13 506 South President Street Coins Tennis Programs LLC LLC 5/24/13 5353 Clair St Cole Research & Design, Inc. BUS 5/30/13 5446 Executive Place Coleman Services, LLC LLC 5/24/13 2029 Scanlon Dr College Drifters, LLC LLC 5/3/13 2217 Idaho St Covenant Investments Series I LLCLLC 5/1/13 506 South President Street Coytrecan Properties, Inc. BUS 5/23/13 4836 North State Street Creative Spices of Mississippi, LLC LLC 5/2/13 1229 Macon Street Custom Concierge Services LLC LLC 5/22/13 1518 Plantation Blvd.

D&O Investments LLC LLC 5/16/13 1080 River Oaks Dr, Suite A-250 DBI O&M Company LLC LLC 5/21/13 840 Trustmark Bldg, 248 E. Capitol St Deacero USA, Inc. BUS 5/8/13 248 East Capitol Street, Suite 840 Deep Rooted Enterprises LLC LLC 5/8/13 850 N Jefferson ST APT J12 Deep South Land Resources, LLC LLC 5/30/13 506 South President Street Delcan Corporation BUS 5/24/13 506 South President Street

Greens Doors LLC LLC 5/2/13 5208 Queen Eleanor Lane Groome Management, Inc. BUS 5/13/13 506 South President Street GTP Acquisition III, LLC LLC 5/1/13 840 Trustmark Building GTP Acquisition Partners III, LLC LLC 5/1/13 840 Trustmark Building Hair Doctors LLC LLC 5/15/13 4760 I-55 N Frontage Rd Suite E Hall Waller, LLC LLC 5/30/13 Meadowbrook Office Park Hardee Capital Management, LLC LLC 5/9/13 125 S Congress Street Suite 1240 Hardee Properties Family Limited Partnership LP 5/28/13 125 S Congress Street Suite 1240 Hartfield Group LLC LLC 5/28/13 310 Hartfield St Harvestland Constructors, Inc BUS 5/10/13 506 South President Street Heartland Rentals LLC LLC 5/9/13 506 South President Street Hecho a Mano LLC LLC 5/1/13 312 Spanish Court Hederman Wells Properties LLC LLC 5/28/13 5 Charleston Place Hermosa Salad Co. LLC LLC 5/13/13 190 East Capitol Street, Suite 100 Hogenson Construction Company BUS 5/10/13 506 South President Street Holberg University Institute NP 5/3/13 405 Briarwood Dr. Ste 103A HostZ, LLC LLC 5/15/13965 Hwy. 51 North, Suite 4-97 ( Madison 39110)

5/28/13 1812 Edward Lane Diamond Healthcare Corporation BUS 5/13/13 506 South President Street Diamond Planet Music Group DBAOTH 5/20/13 359 Sharon Hills Drive Disabled Vets Maintenance and Distribution LLC LLC 5/7/13 561 West Hill Dr, Jackson Ms 39209 Dnalb Enterprise & Holding LLC LLC 5/30/13 304 Amanda Lane Doctors In Training.com, LLC LLC 5/8/13 506 South President Street DoveTail Gallery Limited BUS 5/8/13 405 Briarwood Dr Ste 103 A E & O Mechanical, Inc. BUS 5/13/13 248 East Capitol Street, Suite 840 Eastern Gulf Crude Access, LLC LLC 5/6/13 506 South President Street Encon Mechanical, Inc. BUS 5/24/13 750 Boling St. Suite D ETC Endure Energy, LLC LLC 5/20/13 506 South President Street Exceeding You Solutions LLC LLC 5/14/13 2112 Paden St Feathered Cap Publishing Inc BUS 5/9/13 533 Choctaw Rd

Hunter-Ellis Properties LLC LLC 5/20/13 405 Briarwood DR STE 103A I.t.’s. A. M.U.S.T. LLC LLC 5/6/13 3038 Windsor Ave., Jackson MS 39216 Icore Networks, Inc. BUS 5/1/13 506 South President Street Ikare LLC LLC 5/20/13 5131 Sunnyvale Dr Imablue, LLC LLC 5/14/13 240 Clubview Drive Image Optical LLC LLC 5/16/13 501 Marshall Street, Suite 603 Independent Business Management Group LLC LLC 5/8/13 154 Chasewood Drive Inner City Jackson Affordable LLC LLC 5/8/13 385 Edgewood Terrace Dr Inspire Scholars Foundation NP 5/14/13 1500 Peachtree Street J.T. Ali Entertainment LLC LLC 5/10/13 327 Country Club DR J&J Investments LLC LLC 5/16/13 157 Olympia Fields Dr Jackson Convention Hotel, LLC LLC 5/22/13 213 South Lamar Street Jackson Quick Lube LLC LLC 5/6/13 3262 Hwy. 80 JJ’s of 17 #1 Inc. BUS 5/17/13 6183 Woodhaven Road JMB Tech Solutions, LLC LLC 5/29/13 248 East Capitol Street, Suite 840 JPK Food and Fuel Inc BUS 5/15/13 204 Hunters Ridge Dr Juneteenth Celebration Steering Committee DBA OTH 5/16/13 1081 Alta Vista Blvd Karl’s Lawn Service LLC LLC 5/14/13 5822 Fallview Drive Khurana International Inc BUS 5/6/13 2672 Us Highway 80 W

First Pentecostal International Church

Knight’s Maintenance & Repair, LLC

Dennis Automotive Refinishing LLC

LLC

NP

5/13/13 4795 McWillie Dr. Suite 120 Fisher Management LLC LLC 5/22/13 460 Briarwood Dr Floorworks Inc BUS 5/9/13401 East Capitol Street, Suite 100 M Forever Love Vintage LLC LLC 5/1/13 3645 Southland Dr. Fountain Properties Brandon, LLC LLC 5/29/13 5655 Hwy 18 West Free State Strategies, LLC LLC 5/6/13 1842 Piedmont St Full Belly Foundation NP 5/23/13 4038 Eastwood Place Future Leaders of America, Inc NP 5/28/13 264 Allstate Dr. Gemz LLC LLC 5/30/13 1420 Vernon Cir Global Advanced Screening Solutions LLCLLC

5/17/13 4510 Office Park Drive Graceful Sounds, Inc. NP 5/22/13 9 Abbey Nord Place Greater Saint Matthew Missionary Baptist Church Inc. NP 5/15/13 4808 North State St

LLC

5/7/13 4143 Rainey Road KR Patel Corp BUS 5/24/13 5901 Hwy 80 West La Shun’s Cafe Inc. BUS 5/22/13 2425 South Pine Drive Landry’s Professional Lawn and Landscape Inc BUS 5/20/13 405 Briarwood Dr Ste 103 A Lauren Smith, LLC LLC 5/8/13 539 Seneca Avenue Apt A. Lemetissage Productions & Holdings LLCLLC

5/21/13 4958 Brookwood Pl Lighthouse Ventures, LLC LLC 5/30/13 4450 Old Canton Road, Suite 200 Lofton Construction LLC LLC 5/28/13 407 West Northside Drive Logical Realty Solutions & Investments, LLC LLC 5/3/13 11 Northtown Road #A Logical Realty Solutions DBA LLC 5/3/13 11 Northtown Road #A LTN Staffing LLC LLC 5/10/13 506 South President Street

July 26, 2013

Macnificent Sports Bar and Grill LLC

5/8/13

LLC

110 E South St

Madison Physician Surgery Center, LLC LLC

5/21/13 1225 North State Street Magnolia Diagnostics LLC LLC 5/17/13 4266 I-55 North, suite 106 Magnolia Production Holdings, LLCLLC 5/20/13 1733 Devine Street Marathon Data Operating Co., LLC LLC 5/7/13 506 South President Street MBJ of Mississippi LLC LLC 5/16/13 190 E. Capitol Street, Suite 100 McAlpine Tankersley Architecture, P.C.

PA

5/10/13 506 South President Street MCopeland LLC LLC 5/17/13 405 Briarwood Dr. Ste 103A Meal Ticket LLC LLC 5/16/13 5564 North State Street Megan Marascalco Photography LLC

LLC

5/22/13 125 S. Congress St. Suite 1240 MetroPCS Georgia, LLC LLC 5/20/13 506 South President Street MetroPCS Michigan, Inc. BUS 5/30/13 506 South President Street Meymax Title Agency of Ohio, LLC LLC 5/10/13 506 South President Street MFM Properties LLC LLC 5/29/13 3737 Kings HWY Misfit Monkeys Comedy LLC LLC 5/3/13 318 S State St Mississippians for Healthcare Equality, Inc NP 5/16/13 775 North Congress Street MJK Book Publishing, LLC LLC 5/30/13 4400 Old Canton Rd, Suite 220 (Jackson 39211) Monsta Publishing, LLC LLC 5/3/13 3330 Jayne Ave MSCYPAA NP 5/10/13 37 McLain Court MSMOC ASC, LLC LLC 5/21/13 1325 East Fortification Street Musicglobalization LLC LLC 5/16/13 4400 Old Canton Rd Suite 220 N’Corley’s- A Southern Soaping Co. DBAOTH

5/29/13 23 Oak Creek Place New Look Auto Body LLC LLC 5/8/13 4432 W Northside Drive Nextage Lighting, LLC LLC 5/29/13 405 Briarwood Dr Ste 103 A Nortek Medical Staffing Inc BUS 5/20/13 840 Trustmark Bldg, 248 E. Capitol St Not So Wicked, LLC. LLC 5/20/13 108 Foxgate Place NSpire Services LLC LLC 5/21/13 4777 W. Cheryl Drive O & S Auto Sales, Inc. BUS 5/22/13 2919 Martin Luther King Jr. Dr. Ocean Blue Condominiums of Destin, LLCLLC

5/21/13

300 Concourse BLVD Suite 200

Ocean Blue Destin Resort Property I, LLCLLC

5/21/13 300 Concourse BLVD Suite 200 Ocean Blue Holdings, LLC LLC 5/23/13 300 Concourse Blvd., Suite 200 Ocean Blue of Destin, LLC LLC 5/24/13 300 Concourse Blvd., Suite 200 Olivet University NP 5/6/13 108 S President St Omega Alpha Incorporated NP 5/7/13 1302 Jamestown Way On Trend LLC LLC 5/29/13 4337 Dalrymple Court Orion Health, Inc. BUS 5/13/13 506 South President Street Orleans Square Office Park Property Owners’ Association, Inc NP 5/24/13 4450 Old Canton Road, Suite 200 P & P Contractors, Inc BUS 5/14/13 190 East Capitol Street, Ste. 650 (39201) Painting That Works, LLC LLC 5/6/13 845 Robinwood Dr Peaden, LLC LLC 5/6/13 506 South President Street PER, LLC LLC 5/1/13 704 North President St Pergo’s Enterprise, LLC LLC 5/21/13 455 North Lamar Street Petra Cafe III, LLC LLC 5/8/13 2741 Old Canton Rd Pike Services, LLC LLC 5/15/13 5446 Executive Place Pivot Medical, Inc BUS 5/23/13 840 Trustmark Building Poettker Construction Company BUS 5/3/13 506 South President Street Post University, Inc BUS 5/20/13 840 Trustmark Building Precision Tactical Weaponry, LLC LLC 5/6/13 3770 Highway 80 West Primary Care Coalition of Mississippi LLCLLC

5/17/13

6400 Lakeover Road

ProLogis-A5 Va V LLC LLC 5/30/13 506 South President Street Push Thru Inc. NP 5/21/13 5600 Keele Street Suite 202 Qdoba Restaurant Corporation BUS 5/16/13 506 South President Street Radiological Solutions, Inc. BUS 5/30/134268 I-55 North, Meadowbrook Office Park Rampart Hydro Services, L.P. LP 5/15/13 506 South President Street Reed Building Services LLC LLC 5/13/13 5724 Sedgeick Drive Rehoboth Personal Care Home for Women NP 5/16/13 1003 Deryll Street RISE DBA LLC 5/31/13 506 South President Street RISE Credit of Mississippi LLC LLC 5/31/13 506 South President Street Roanoke Minerals, LLC LLC 5/6/13 130 Woodland Circle Roanoke Realty, LLC LLC 5/6/13 130 Woodland Circle Robert Sutton, Jr. DBA OTH 5/20/13 359 Sharon Hills Drive Robinson Janitorial Service LLC LLC 5/3/13 5638 Dogwood Trail Rod’s Racers, LLC LLC 5/17/13 176 Mason Blvd.

Roof Maintenance Management USA LLCLLC

5/1/13 506 South President Street RoxSan Pharmacy BUS 5/28/13 405 Briarwood Dr Ste 103 A RPG Enterprises LLC LLC 5/17/13 5250 Galaxie Drive Safesource, LLC LLC 5/3/13 506 South President Street Safety Products Plus LLC LLC 5/30/13 2512 Raymond Rd Savanna Drilling LLC LLC 5/14/13 248 East Capitol Street, Suite 840 Savanna Energy Services (USA) Corp

BUS

5/14/13 248 East Capitol Street, Suite 840 SDI-isys, LLC LLC 5/23/13 506 SOUTH PRESIDENT ST Semont Travel, Inc. BUS 5/2/13 506 South President Street Seth H Mosal, DMD, PA PA 5/29/13 5856 Ridgewood Road Siemens Water Technologies LLC LLC 5/1/13 506 South President Street Sierra Systems Inc BUS 5/10/13 506 South President Street Silent Shade Investments, Inc. BUS 5/20/13 4500 I 55 North, Suite 145 SMD Exclusive LLC LLC 5/14/13 549 Hillandale Dr SNOB Boutique, LLC LLC 5/8/13 731 N Jefferson St Apt. D13 South Louisiana Horizons, LLC LLC 5/15/13 248 East Capitol Street, Suite 840

TAB Trucking LLC LLC 5/21/13 226 School Circle Taha Inc BUS 5/23/13 1270 Metro Center Tax Performance LLC LLC 5/9/13 2267 Forest Park Dr. TCB Pipeline LLC LLC 5/13/13 506 South President Street Teyma Construction USA LLC LLC 5/2/13 506 South President Street The Big Dipper Hydrographics, LLCLLC 5/9/13 506 South President Street The Bosses Hall LLC LLC 5/10/13 3707 John Adams Rd. The Clay Firm LLC LLC 5/1/13 625 North State Street, Suite 201 The Eye Group of Mississippi LLC LLC 5/16/13 501 Marshall Street, Suite 603 The Goettle Co. BUS 5/28/13 506 South President Street The Headache Center, PLLC LLC 5/3/13 1855 Lakeland Dr Ste P-201 The Horseman Lounge LLC LLC 5/28/13 2634 Maclean Rd The Kemtah Group, Inc BUS 5/13/13 506 South President Street The Staff Leasing, Inc. BUS 5/9/13 248 East Capitol Street, Suite 840 The Stephen Group LLC LLC 5/15/13 750 North State Street The Susan G Komen Breast Cancer Foundation, Inc. NP 5/8/13 506 South President Street The Underwood Group, LLC LLC 5/23/13 112 Rolling Meadows Dr Thin Line Barber & Beauty Shop LLC

LLC

5/13/13 3030 Terry RD #B Tilson Government Services, LLC LLC 5/23/13 506 South President Street Tons of Fun Learning Center LLC LLC 5/7/13 1302 Booker St Touching the World Ministries of Jackson Inc NP 5/29/13 2875 Medgar Evers Blvd Trinity Financial & Insurance Services, LLC LLC 5/7/13 2964 Terry Rd, Ste A-2 Jackson, MS 39212

Tunstall Americas dba BUS 5/23/13 506 South President Street Tunstall DBA BUS 5/23/13 506 South President Street Twin Eagle Resource Management, LLC LLC

5/9/13 506 South President Street Twister, LLC LLC 5/29/13 3436 Dundee Lane U S Legal, Inc. BUS 5/13/13 248 East Capitol Street, Suite 840 UGA LLC LLC 5/23/13 138 Valley North Blvd United Labourers of Christ Ministries

5/14/13

NP

2941 Terry Rd Ste 23

Universal Pipeline of Mississippi, LLC

300 Concourse Blvd., Suite 200

Southern Horsemen Association LLC LLC 5/28/13 4700 Robinson Road Ext. Suite #900

Western Kentucky Door, Incorporated BUS 5/20/13 840 Trustmark Bldg, 248 E. Capitol St

Sport America Youth NP 5/20/13 3725 Northbrook Dr. #4 Squeeze, LLC LLC 5/2/13 198 Kirkwood Place Sticks and Bones LLC LLC 5/17/13 1400 Meadowbrook Road, Suite 100 Stingley Law Firm, PLLC PLLC 5/24/13 460 Briarwood Dr, Suite 400 (39206) Strategic Digital LLC LLC 5/16/13 4400 Old Canton Rd Suite 220 STRONZA LLC LLC 5/24/13 190 East Capitol St, Suite 100 (39201) Structural Fabrications, Inc. BUS 5/20/13 506 South President Street Superb Security LLC LLC 5/8/13 805 Madison St. Apt. 105 Superior Customs, Inc. BUS 5/3/13 846 Foley St Surface Control West of Louisiana, LLC LLC 5/9/13 248 East Capitol Street, Suite 840 T & J Tree Servicing, Inc. BUS 5/1/13 1117 Hallmark Dr T. B. O. C for the Kids NP 5/2/13 560 Keele St Apt 160 F

Wheeler & Company, LLC LLC 5/28/13 1808 Piedmont Street William Sabree DBA OTH 5/16/13 1081 Alta Vista Blvd Wilson’s Consulting Group, LLC LLC 5/20/13 506 South President Street Wyse Technology L.L.C. LLC 5/6/13 506 South President Street Yahshuda’s Transportation LLC LLC 5/13/13 1944 Linda Lane Yazoo, LLC LLC 5/24/13 101 South Congress Street ZipRealty, Inc. BUS 5/23/13 840 Trustmark Bldg, 248 E. Capitol St Zodiac Pool Systems Inc BUS 5/29/13 506 South President Street

5/29/13

5239 Bienville Pl.

South-South Real Estate 2 (SSRE2) LLC LLC

5/29/13 5239 Bienville Pl. Southaven Treats LLC LLC 5/1/13 506 South President Street Southeast Collection Services, LLCLLC 5/21/13 506 South President Street Southeast Connections LLC LLC 5/16/13 840 Trustmark Bldg, 248 E. Capitol St Southeastern Development Group LLC LLC

5/31/13

Mississippi Business Journal

S&B Contracting, LLC LLC 5/14/13 7470 Crazy Horse Drive

Kokomo Phelps Services, LLC LLC 5/28/13 1227 Highway 98 West

Kosciusko Attala Galvanizing Company LLC LLC 5/2/13 2475 Attala Road 2202

Laurel AmeriTax of Ridgeland LLC LLC 5/23/13 221 Hoy Road Circle C Site Services, LLC LLC 5/10/13 168 Van Hoover West Road DCD Enterprise LLC LLC 5/23/13 154 Mullican RD Eagle Painting and Drywall, LLC LLC 5/13/13 315 Flynt Rd El Jarocho Tire Shop LLC LLC 5/28/13 3044 Ellisville Blvd., Lot 6 J and K Enterprises of Laurel LLC LLC 5/30/13 224 South 13th AVE Laurel, MS 39440 Mathis Professional Services LLC 5/6/13 30 E Ridge Rd Mathis Professional Services LLC LLC 5/7/13 30 E Ridge Rd Medical Digital, LLC LLC 5/17/13 1734†Wansley†Road Mid-South Oil & Gas, LLC LLC 5/2/13 330 N 14th Ave Mississippi Poultry Show Club NP 5/31/13 21 Cecil Johnson Rd Patina’s LLC LLC 5/15/13 415 N Magnolia Street, Suite 400 Pine Belt Supply LLC LLC 5/17/13 183 Sherman Road Rong Hui, Inc BUS 5/28/13 2132 Highway 15 North Sharon Grasha LLC LLC 5/10/13 5293 Indian Springs Rd Shows, LLC LLC 5/13/13 415 North Magnolia Street, Suite400 Southern Cross Animal Rescue 5/22/13 1014 North 7th Ave Southern Cross Animal Rescue NP 5/23/13 1014 North 7th Ave Southwind Tree Service, LLC LLC 5/20/13 172 Lower Myrick Road Tony Milam Enterprises LLC LLC 5/2/13 330 N 14th Ave Westside Trailer Park Inc BUS 5/29/13 5140 Hwy 84 West

Leakesville HEM Engineering LLC 5/3/13

LLC 27890 Hwy 57

LLC

5/24/13 840 Trustmark Building Universal Pipeline Partners, LLC LLC 5/24/13 840 Trustmark Building Vantec World Transport (USA) IncBUS 5/31/13 506 South President Street ViaSat, Inc. BUS 5/23/13 506 SOUTH PRESIDENT ST Victory Hospice NP 5/6/13 235 Winfield Street Waheguru Inc BUS 5/2/13 1635 Terry Rd Watco Companies, L.L.C. LLC 5/21/13 506 South President Street

South-South Real Estate 1 (SSRE1) LLC LLC

I

Kiln Dedeaux Community Grocery, LLC LLC 5/9/13 22549 Fenton Dedeaux Rd Gulf Coast Heavy Equipment Repair LLC LLC

5/14/13 19195 Hwy 43 Malnec Enterprises, LLC LLC 5/20/13 20020 Fenton-Dedeaux Road

Leland Happy Mart LLC LLC 5/23/13 3975 Highway 82 East Nissyan Food Market LLC LLC 5/28/13 4059 Hwy 82 S & S Salvage LLC LLC 5/30/13 344 Rexburg Rd Tammy Reed Consulting LLC LLC 5/2/13 125 Roth Rd

Lena Triple P Enterprise Inc BUS 5/20/13 1104 Midway Road WMP Enterprise Inc BUS 5/20/13 1141 Midway Road

Lexington A to Z Beauty & Uniform, Inc. BUS 5/28/13 25 Jasper Lane 7 Outlaw Services, LLC LLC 5/17/13 3921 Sand Hill Road Premier Homes of the Midsouth, LLC

5/6/13

LLC

100 Lexington Cirlce

Liberty Open Road Transport Service, LLC LLC 5/29/13 3077 Lower Centreville Road The Lord’s Release NP 5/20/13 2791 Alfred Rd

Little Rock Chaney Logging Inc BUS 5/7/13 1123 Midway-Beulah Hubbard Road

Long Beach Abest Collision Center LLC LLC 5/17/13 119 Belle Terre Court

I

11

Back Acres Farm LLC LLC 5/16/13 20231 Cliff Allen Lane Bigg Passion Surprises LLC LLC 5/7/13 326 Arbor Station Dr Discount Office Supplies LLC LLC 5/14/13 422 West Railroad St Door Doctor, LLC LLC 5/17/13 302 E 2nd St Mud Runner Chick, LLC LLC 5/14/13 20496 Myers Lane Tequilas II LLC LLC 5/3/13 729 Parkwood Dr WoolMarket Elementary School Parent-Teacher Organization NP 5/24/13 113 E. Second Street

Lorman CJ’s Restaurant DBA OTH 5/31/13 5009 Highway 552 Rosemary Howard DBA OTH 5/31/13 5009 Highway 552

Louin Church of God, a Worldwide Association, Inc. NP 5/6/13 2161 Highway 18

Louise Good Times, LLC LLC 5/29/13 3866 Seven Mile Road

Louisville Diasporic Filmworks LLC LLC 5/14/13 3505 Highpoint Weir Rd Expressions PHP LLC LLC 5/20/13 803 West Main St Rooted LLC LLC 5/14/13 3505 Highpoint Weir Rd Van Forestry Products LLC LLC 5/15/13 1659 Hwy 15 South

Lucedale Greater George County Educational Foundation NP 5/23/13 107 Rob Hunter Lane K Clark Aviation Leasing LLC LLC 5/21/13 610 Mill Street Mac’s Place NP 5/23/13 137 John Cooley Rd McNeil Gregg Enterprises LLC LLC 5/2/13 301 Morris Green Rd Monk 3 Distribution LLC LLC 5/10/13 113 Phillips Road Southern Muffler Inc BUS 5/16/13 5131 Main St TMCK Builders LLC LLC 5/15/13 1756 Earlville Rd

Macon Binion Trucking LLC LLC 5/24/13 209 Cheatham Rd NU Development, LLC LLC 5/1/13 5572 Elon Road The Hope Center of Mississippi Inc.NP 5/22/13 611 Landrum St

Madison 21 Entertainment Group, LLC LLC 5/1/13 117 Bradfield Rd 3V Solutions Canada, Inc BUS 5/16/13 1888 Main Street, #C296 A&D Expo Organizers, LLC LLC 5/15/13 150 Covey Run Alta Bioscience LLC LLC 5/24/13 48 Red Bud Lane Alternative Roofing Solutions LLC LLC 5/6/13 133 Executive Drive Suite F Behavioral Health Solutions, LLC LLC 5/1/13 153 Hartfield Drive Boaz Capital LLC LLC 5/14/13 989 Madison Ave Caring Hands at the Madison Care Center, Inc. NP 5/31/13 516 Meadows Place Caroline Storage Solutions, LLC LLC 5/21/13 198 Reunion Blvd.

Chamblee Properties, LLC LLC 5/9/13 120 Johnstone Dr Chivalry Outfitters, LLC LLC 5/6/13 334 Sundial Road CM Aircraft Consulting & Recruiting, Inc BUS

5/20/13 451 Annandale Parkway Comfortable Cuisine LLC LLC 5/15/13 701 Spring Hill Drive Cornerstone Pharmacy, LLC LLC 5/30/13 611 Johnstone Drive

INCORPORATIONS

12 I Mississippi Business Journal I July 26, 2013 Corporation of Caring, Inc. NP 5/22/13 206 Creekline Drive EGreen LLC LLC 5/17/13 1042 Gluckstadt Road, Suite C Euell Insurance Group, LLC LLC 5/30/13 101 Church Street Evergreen Korean Baptist Church Inc

NP

North MS Lawn and Landscape, LLC

5/29/13

LLC

1350 Fawn Grove Church Road

Marion Razee, LLC 5/1/13

LLC 7420 Belle Trace

5/14/13 130 Eastwood Dr Flora Bella LLC LLC 5/22/13 1019 Gluckstadt Rd George Newton L.L.C. LLC 5/8/13 213 Cotton Wood Drive Jackson Posture Center LLC LLC 5/2/13 1228 Hwy 51 Jefferson and Sons Landscape, LLCLLC 5/2/13 105 Bridgeeton Way Canton, Ms 39046 Keystone Pharmacy, LLC LLC 5/30/13 611 Johnstone Drive Land Revolutions LLC LLC 5/3/13 421 Business Park Dr Lane Consulting, LLC LLC 5/22/13 732 Magnolia Street Little Pumpkin Hunting Club LLC LLC 5/31/13 123 Windsor Hills Drive MADFIT, LLC LLC 5/17/13 961 Madison Avenue 39110 Milner Family Holdings, LLC LLC 5/7/13 201 Creekline Dr Oldies But Goodies Antiques & Flea Market, LLC LLC 5/7/13 1042 GLUCKSTADT ROAD, STE C Pharmacy Group of Ms, LLC LLC 5/2/13 114 Bristol Way Point City Drugs, LLC LLC 5/14/13 208 Waterford Sq., Ste. 300

5/8/13 722A MLK Dr Deliverance Ministries Worship Center NP 5/22/13 121 North Gate Court Downs Transport Inc. BUS 5/31/13 1003 Anderson Ln Gilbert Law Firm P.L.L.C. PLLC 5/24/13 229 Main Street, McComb, Ms 39648 Hey, Neighbor!

NP 5/29/13 510 Hart Road L & K Knox Investments LLC LLC 5/24/13 1002 Leggett ST McCov Incorporated BUS 5/7/13 116 Fifth Ave.

Precision Auto Body and Customs, LLC LLC

Mississippi Handgrabbers Association LLCLLC

5/14/13 182 Lakeway Dr. Ps 1 LLC LLC 5/3/13 243 Caroline Blvd R&L Pillow, LLC LLC 5/3/13 102 Grey Brant Court Rae Designs, LLC LLC 5/6/13 424 Cheyenne Lane Rayford Hudson Real Estate, LLC LLC 5/30/13 107 Grey Brant Court Rodriguez Speaks Tree Farm LLC LLC 5/22/13 141 Quail Ridge Drive RPC Holding Company LLC LLC 5/31/13 339 N Old Canton Rd SDS Consultants LLC LLC 5/16/13 121 Brierfield SkynAir, LLC LLC 5/20/13 347 Sundial Road Spirit and Soul of a Woman, LLC LLC 5/31/13 655 Boxwood Place ( Madison 39110) Spirit and Soul of Women, LLC LLC 5/8/13 655 Boxwood Pl Stone Enterprises LLC LLC 5/15/13 263 Pecan Creek Dr T & J Cleaning Professionals, LLC LLC 5/14/13 103 Buckeye Dr The Cour-Nur NP 5/29/13 617 Pinecrest Dr The Wise Choice Realty, LLC LLC 5/14/13 127 Brierfield Dr Truly Unique Innovations Inc. BUS 5/3/13 121 Bremen Way

5/29/13 2073 Friendship Rd MKM, LLC LLC 5/20/13 1016 12Th Street MOTT’s Fish House, LLC LLC 5/8/13 722A MLK Dr

Turning Point Health & Fitness Studio, IncBUS

Meridian

5/10/13 1888 Main ST Visions Physical Therapy of Lexington, LLC LLC 5/6/13 133 Derby Drive Walthall Residences, LLC LLC 5/31/13 110 Rosedown Drive Williamson1, LLC LLC 5/9/13 165 Reunion Blvd.

Williamson2, LLC LLC 5/9/13 165 Reunion Blvd.

Williamson3, LLC LLC 5/9/13 165 Reunion Blvd.

WRT America, LLC LLC 5/29/13961 Madison Avenue, Madison, Ms 39110

Magee Dore Hattiesburg, LLC LLC 5/17/13 800 4Th Street Sw Karnrajwinder, LLC LLC 5/8/13 12040 Highway 49 Wolf Pond Sanctuary NP 5/21/13 120 Wolf Pond Dr

Magnolia O.J. Trucking 5/22/13

LLC 7224 Hamo Lea Rd

Mantachie LittleWhale Group LLC LLC 5/14/13 516 Shiloh Mantachie Rd

Pride Total Protection, LLC LLC 5/24/13 1810 36Th Ave Southern Estates, LLC LLC 5/23/13 999 Virginia Drive Temple Trailer & Rv Park, LLC LLC 5/21/13 4709 C. A. Pickard Road

Mize

Mathiston J Gardner Properties, LLC LLC 5/24/13 17783 US Hwy 82

Q2D Solutions, LLC LLC 5/23/13 4490 Highway 28

Monticello

Mayersville Triple M Construction and Contracting Services LLC LLC 5/3/13 120 Court St

A Southern Heritage Realty Inc. BUS 5/21/13 188 New Zion Rd SHR Properties LLC LLC 5/23/13 188 New Zion Road

McComb

Mooreville

COTTON’s Investigation and Security, LLC LLC

Automation and Control Systems, LLC

National neighborhood Strategies LLC

LLC

5/24/13 1803 Delaware Ave Presley Cars, Inc BUS 5/13/13 3078 Highway 98 East T &T Ventures LLC LLC 5/16/13 1072 Brandon Dr The Roost Property L.L.C. LLC 5/7/13 111 Burke Avenue

McCool HE Turnipseed & Sons PartnershipOTH 5/15/13 4320 Weir Highpoint Road

Meadville The Inciteful Analytics Corporation

5/14/13

BUS

915 Dillard Lane Se

Mendenhall B.A.N.C. Properties, LLC LLC 5/3/13 184 Macedonia Rd Gordin Hunting Club LLC LLC 5/17/13 560 Highway 13 Karate for Kids LLC LLC 5/13/13 150 Bruce Cove

Access One of MS LLC LLC 5/17/13 5438 Windsor Circle All About Us “LLC” LLC 5/3/13 2428 Old Marion Rd Burwell Bros. Land & Cattle Co. LLCLLC 5/14/13 2906 Ninth St ECA Calypso, LLC LLC 5/21/13 100 49Th Avenue Edna Grayce’s LLC LLC 5/29/13 7464 Brown Hooke Road Five Points Food Mart, Inc BUS 5/16/13 811 14Th Street Genesis Counseling Center LLC LLC 5/14/13 2504 9Th St JLH Timberlands, LLC LLC 5/20/13 1724A 23rd Avenue KJ Meador Enterprises, LLC LLC 5/31/13 2506 39Th Street, Apt. 73 Lauderdale County Tourism Foundation Inc NP 5/6/13 1803 24Th Avenue Law Office of Stella M Hurtt PLLCPLLC 5/30/13 1909 6Th St Meridian Medical Solutions, LLC LLC 5/24/13 1705 Hunters Run MUMLand Properties, LLC LLC 5/17/13 1308 Cr 467 One Billing Services, LLC LLC 5/21/13 4700 26Th Avenue Poweroi LLC LLC 5/2/13 420 Eagle Drive

LLC

5/14/13 1935 Road 1451 Balwinder LLC LLC 5/21/13 3892 Highway 178 Bradley Flooring, Inc. BUS 5/28/13 1545 CR 1451 Mind Roxx Entertainment, LLC LLC 5/23/13 106 Pinetree Drive Tin Top Grill LLC LLC 5/24/13 3521 Hwy 178

Moorhead S & G Auto Sales and Service, Inc. BUS 5/21/13 1205 Johynny Russell Dr

Morton BWK Auto Parts LLC LLC 5/14/13 410 S 4th St P&W Investment Properties, LLC LLC 5/29/13 970 Morris Tullos Drive

Moselle Twin Auto Brokers LLC LLC 5/28/13 43 Eastabuchie Loop

Moss Point Beehive Salon & Boutique DBA OTH 5/13/13 17003 Hwy 63, Suite A Erica S. Creech DBA OTH 5/13/13 17003 Hwy 63, Suite A FYE-WI Communication LLC LLC 5/2/13 3925 Juniper St Green’s Mobile Home 1 LLC LLC 5/3/13 20100 Otis Cooper Rd Green’s Mobile Home 10 LLC LLC 5/3/13 20100 Otis Cooper Rd Green’s Mobile Home 11 LLC LLC 5/3/13 20100 Otis Cooper Rd Green’s Mobile Home 13 LLC LLC 5/3/13 20100 Otis Cooper Rd Green’s Mobile Home 15 LLC LLC 5/3/13 20100 Otis Cooper Rd Green’s Mobile Home 3 LLC LLC 5/3/13 20100 Otis Cooper Rd Green’s Mobile Home 7 LLC LLC 5/3/13 20100 Otis Cooper Rd Green’s Mobile Home 9 LLC LLC 5/3/13 20100 Otis Cooper Rd Holden Farms, LLC LLC 5/1/13 2525 Duck Lake Drive K & J Supply Company, Inc. BUS 5/28/13 6124 Shortcut Rd Knights of Peter Claver Ladies Auxiliary Our Lady of Lourdes Court 4 NP

5/16/13 4219 Joseph Avenue Robert Holden Store, LLC LLC 5/1/13 2525 Duck Lake Drive Robert Holden Timber, LLC LLC 5/1/13 2525 Duck Lake Drive Scotts Smokin’ Vapors LLC LLC 5/15/13 10413 Saracennia Rd Victoria M Deihl LLC LLC 5/22/13 7517 Park Ridge Dr Windzoom LLC LLC 5/16/13 7847 Hwy 613

Mound Bayou Against All Odds Clothing LLC LLC 5/16/13 702 Ella Street

Mount Olive Daledalogistics, LLC LLC 5/24/13 339 Hwy 532 Flex Enterprise Construction LLC LLC 5/1/13 975 Jaynesville Rd Woods Enterprises, LLC LLC 5/29/13 43 Woods Lane

Natchez Advanced Services, Inc. BUS 5/17/13 513 State Street Advanced Services, Inc. of LA BUS 5/17/13 513 State Street Bio-International LLC LLC 5/7/13 1343 Highway 61 North Charboneau Distillery, LLC LLC 5/1/13 71 Homochitto St Craft Retail Natchez, LLC LLC 5/1/13 71 Homochitto Downtown Karla Brown, LLC LLC 5/23/13 806 N Union St Finca Lola, LLC LLC 5/10/13 220 Main Street GreenStone Group, LLC LLC 5/9/13 69 Cemetery Road Kids Party Palace, LLC LLC 5/15/13 207 S Commerce St Kings Tavern Natchez LLC LLC 5/3/13 71 Homochitto M Kaho Royal Salon LLC LLC 5/9/13 101 1/2 a Northgate Road Natchez Investments, LLC LLC 5/15/13 200 Auburn Avenue Nona Colombo, LLC LLC 5/30/13 104 St. Charles Ave PAC Consulting DBA LLC 5/30/13 1394 Hwy 51 N Patriot Health Alliance PLLC LLC 5/13/13 12 Hidden Creek Lane Perfect 180 Degrees LLC LLC 5/28/13 113 Brown Subdivision RD Pernell & Associates Consulting, LLC

LLC

5/30/13 1394 Hwy 51 N Popeyes-Natchez LLC LLC 5/1/13 261 Deveraux Drive Hwy 61 North Waterfront Custom Homes, L.L.C. LLC 5/7/13 319†Market†St.

Nesbit Alberson Creative DBA OTH 5/1/13 3485 Westwind Dr KSB Properties, LLC LLC 5/3/13 3416 Delaney Drive Maco Transportation, LLC LLC 5/14/13 2635 Pleasant Hill Road McClain Investment Properties LLCLLC 5/6/13 3416 Delaney Dr Roger Clark Alberson III DBA OTH 5/1/13 3485 Westwind Dr

New Albany Chism Auto Sales LLC LLC 5/21/13 1401 Highway 30 West Friends of Mississippi Corps Lakes NP 5/31/13 1001 County Rd 102 Glenfield Market, LLC LLC 5/6/13 101 South Glenfield Rd Northgate Truck Stop LLC LLC 5/28/13 1349 Cr 88 Tea Time at Oaks, LLC LLC 5/29/13 1241 Cr 76 The Lily Pot, LLC LLC 5/14/13 1076 Blake Drive Wright Glass & Aluminum, LLC LLC 5/15/13 1164 Hwy. 348

New Augusta Advanced Realty & Property Management, LLC LLC 5/9/13 1003 Main Street

New Site Green’s Automotive Transport, LLCLLC 5/31/13 466 CR 3401

Carriage One, LLC LLC 5/1/13 10600 Derry Lane Dakota Belle Photography LLC LLC 5/14/13 3505 N 6th St DBCG, LLC LLC 5/3/13 3706 Queen Elizabeth Dr DC Bites, LLC LLC 5/30/13 2953 Bienville Blvd. #203 Grime Busters and Junk Removal LLC

5/8/13

Gulf Coast School of Performing Arts LLCLLC

5/14/13 1201 Washington Ave Herrington Aviation Incorporated BUS 5/8/13 213 Elegans Court Hilltop Strategies LLC LLC 5/2/13 6301 Prado Rd Iglesia Palabra De Vida NP 5/29/13 2504 Parkwood Pl In-2-Deep Charters, LLC LLC 5/31/13 8601 Pinoak Lane Jason Christopher Lindsey D.O. PLLC

Go and Teach Now 5/29/13

NP 802 S Main St

Oakland Abundant Outreach Mission NP 5/3/13 11300 Hwy 51 South Wise Enterprise Inc. BUS 5/3/13 11300 Hwy 51 South

Ocean Springs Addie Kinney & Company, LLC LLC 5/15/13 1518 Bienville Boulevard AFK Consulting LLC LLC 5/2/13 10254 Lake Forest Dr Barrels of MS, LLC LLC 5/7/13 1406 Bienville Blvd., Suite 101 Blue Sky 3 LLC LLC 5/16/13 6819 Washington Ave. Suite D

PLLC

5/28/13 736 Signal Street Jones Homes & Construction LLC LLC 5/17/13 7501 Tapp Road Mississippi Gulf Coast Camp BlueBird

NP

5/31/13 14005 El Camino Real Road Pediatric Associates, PLLC PLLC 5/17/13 103 Rouselle Place, Suite D SLP Holdings, LLC LLC 5/6/13 2016 Bienville Blvd South Mississippi FSBO Advertising, LLC LLC

5/30/13 102 Temple Terrace Southern Stride Athletics, LLC LLC 5/29/13 5929 Beach Street Studio 2Point46 LLC LLC 5/8/13 1411 Calhoun Ave Swetman Photography LLC LLC 5/16/13 115 Surgeres Place The Fountain OTH 5/22/13 439 Whispering Pine DR United Physicians LLC LLC 5/14/13 717 Hidden Oaks Drive WF Palmer Properties LLC LLC 5/21/13 9021 West Simmons Circle

Okolona Allymed, Inc. BUS 5/31/13 327 West Main Street Shake-A-Rag, LLC LLC 5/29/13 2948 Cr 406

Olive Branch 662 Tire Wheel & Auto Inc BUS 5/9/13 8903 Travis Dr AAA Jumpstarter, LLC LLC 5/8/13 3830 Meadow Creek Drive Alliance Title & Escrow, LLC LLC 5/14/13 4083 Amherst Dr. American Family Dentistry of Memphis, PC PA 5/15/13 5218 Goodman Road Enhanced Communication Services, LLC LLC

5/20/13 5797 Burlington Lane FG Transport LLC LLC 5/7/13 7095 Hacks Cross Dr #184 H L Rodman Properties, LLC LLC 5/9/13 3940 Lake Village Cove Hog Foot 1 Properties, LLC LLC 5/9/13 3940 Lake Village Cove Lone Tree Wood Products LLC LLC 5/2/13 8706 Deerfield Dr Mid-South Supply & Development Company LLC LLC 5/29/13 8110 Industrial Drive Ole Baluster Company LLC LLC 5/29/13 8744 Catherine Cove Rainy Day, LLC LLC 5/15/13 10028 Victor Drive South Southern Elite Insurance Group, Inc.

Newton

LLC

1520 Beachview Dr

BUS

5/29/13 10430 Catalpa St Southern Title & Abstract, LLC LLC 5/23/13 4906 Malone Road Trinity Xpress Transportation LLC LLC 5/14/13 10862 Nichols Blvd Apt 28-12 Urban Japanese Fusion Cuisine IncBUS 5/28/13 5218 Goodman Road, Suite 111 Veta Web Designs LLC LLC 5/30/13 9400 Goodman Road 21G Walton Strand LLC LLC 5/3/13 7267 Wind Dr

Osyka Backyard Garden, LLC LLC 5/21/13 2089 Pumping Station Road Lake Avenue, LLC LLC 5/28/13 8318 Highway 584 Timber Trucking, LLC LLC 5/10/13 4037 Highway 584 West

Oxford Accountable Physicians of North Mississippi, Inc. NP 5/16/13 428 North Lamar Blvd. #103 Advanced Digital Solutions, LLC LLC 5/24/13 405 Galleria Lane Suite C Alice and Company Salon LLC LLC 5/21/13 1420 North Lamar Aqua-Care Marketing, L.L.C. LLC 5/3/13 405 Galleria Lane, Suite C Aqua-Care USA DBA LLC 5/3/13 405 Galleria Lane, Suite C Artemis Commercial LLC LLC 5/22/13 405 Galleria Lane Suite C Beaches Pharmacy LLC LLC 5/20/13 405 Galleria Lane Suite C BT Wayne, LLC LLC 5/9/13 1102 Can Buren Ave Campbell Psychological Services PLLC PLLC

5/7/13 2005 Harris Dr Center Punch Range, LLC LLC 5/22/13 21019 Wills Trace College Hill Films LLC LLC 5/10/13 200 Washington Ave Unit 20 Core Benefits Group Inc BUS 5/7/13 405 Galleria Lane, Suite C DGP, LLC LLC 5/8/13 108 Ridgeway Dr Drugnostics Biomedical, Inc. BUS 5/23/13 405 Galleria Lane, Suite C Dwell Oxford LLC LLC 5/21/13 91 Northpointe BLVD Forensic Recovery Specialists, LLC LLC 5/14/13 405 Galleria Lane, Suite C Gallop Contracting Group, Inc BUS 5/31/13 405 Galleria Lane, Suite C Ground Up Oxford, LLC LLC 5/3/13 299 South 9th Street Suite 101 Gulf Coast Training & Testing, Inc. BUS 5/23/13 405 Galleria Lane, Suite C Gulf Supply Co., Inc. BUS 5/23/13 405 Galleria Lane, Suite C Hollydaiz Hot Dealz BUS 5/9/13 107 Garden Terrace Dr Innovative Builders LLC LLC 5/16/13 405 Galleria Lane Suite C Innovative Builders LLC of N.C. LLC 5/16/13 405 Galleria Lane Suite C J. Burrage Productions, LLC LLC 5/3/13 405 Galleria Lane, Suite C Jackson Demolition Service, Inc. BUS 5/28/13 405 Galleria Lane, Suite C Jenkins LLC LLC 5/24/13 1 Gum Tree Dr Mike & Cathy Stewart Rental, LLC LLC 5/17/13 260 Cr 425 Mobile Dent Solutions LLC LLC 5/14/13 7 County Road 1099 North Mississippi Speech Therapy Services LLC LLC 5/16/13 400 S Lamar BLVD Suite A Northwest Mississippi Music Alliance 5/16/13 904 Bonnie Blue Drive Nuclear Services Group Inc BUS 5/10/13 405 Galleria Lane, Suite C Oglesbee Realty LLC LLC 5/31/13 405 Galleria Lane Suite C Oxford House Properties, LLC LLC 5/3/13 1158 South 14th Street Oxford TMS PC BUS 5/9/13 103A Courthouse Square OxMed LLC LLC 5/21/13 12007 Water Ridge Drive PMAC Lending Services, Inc. BUS 5/2/13 405 Galleria Lane, Suite C PPE Rentals, Inc. BUS 5/23/13 405 Galleria Lane, Suite C RACO, LLC LLC 5/9/13 33 Cr 311 Randy’s Bait & Tackle, LLC LLC 5/28/13 2086 Old Taylor Road Ste 202 RB Fitness Centers LLC LLC 5/2/13 405 Galleria Lane, Ste C. Safe Harbor Pollution Insurance, LLC

5/29/13

LLC

405 Galleria Lane Suite C

Second City Transportation Leasing LLC LLC

5/7/13 405 Galleria Lane, Suite C Sherling’s Revenge LLC LLC 5/10/13 200 Washington Ave Unit 20 Sherwood A. Colette Enterprises, L.L.C. LLC

5/7/13 2005 Harris Dr Southern Stone Group LLC LLC 5/21/13 910 Highway 7 South Spireon, Inc BUS 5/15/13 405 Galleria Lane, Suite C Surveillance Systems Integration, Inc. BUS 5/2/13 405 Galleria Lane, Suite C Suthern Oasis Spa LLC LLC 5/21/13 114 Lakes Drive South

The End of All Music, LLC LLC 5/14/13 1423 North Lamar Blvd Titanium Security, LLC LLC 5/17/13 829 N. Lamar Blvd. Ste. 1 Troy Capital, LLC LLC 5/13/13 405 Galleria Lane Suite C United Collections Recovery, LLC LLC 5/29/13 405 Galleria Lane Suite C Velvet Ditch Productions, LLC LLC 5/6/13 324 Jackson Avenue East Wakefield & Associates, Inc. BUS 5/28/13 405 Galleria Lane, Suite C Wealth Management & Benefit Partners, LLC LLC 5/23/13 405 Galleria Lane, Suite C White Development Corporation BUS 5/28/13 1739 University AVE Suite #111 WHM Roofing and Construction LLC

LLC

5/30/13 405 Galleria Lane Suite C Williams Sausage Company, Inc. BUS 5/24/13 405 Galleria Lane, Suite C WM & BP, LLC LLC 5/23/13 405 Galleria Lane, Suite C

Pachuta Omni Trucking, LLC LLC 5/24/13 98 County Rd 289 Strickland Motors Sales LLC LLC 5/23/13 2120 County Road 290

Pascagoula Euro Global Investigations, Incorporated BUS 5/1/13 3537 Denny Avenue #222 Green Interest Enterprises LLC LLC 5/17/13 1416 Ingalls Ave Kelly’s Lawn Care Services LLC LLC 5/6/13 4002 Alandale St Manning Enterprises Inc BUS 5/14/13 1919 11Th St The Rock Community Outreach Corporation NP 5/21/13 3901 Chicot Street Turn Key LLC LLC 5/22/13 603 Enger St

Pass Christian Dunshie LLC LLC 5/10/13 227 Fernwood Drive Junky Trunk Thrift Shop LLC LLC 5/10/13 584 Royal Oak Blvd Labanca LLC LLC 5/10/13 227 Fernwood Drive Meisner LLC LLC 5/10/13 227 Fernwood Drive Poggey Boat Charters “LLC” LLC 5/13/13 25240 E. Dubuisson Rd. Scudella LLC LLC 5/10/13 227 Fernwood Drive Seeger LLC LLC 5/10/13 227 Fernwood Drive Vintage Aeroplane Collection #3 Inc

5/3/13

BUS

23561 Gamard Lane

Pearl Big Country Metal Roofing, LLC LLC 5/14/13 1957 Loyd St Cloninger Trucking LLC LLC 5/15/13 610 Excel Dr Dynamique LLC LLC 5/24/13 3 Spring Lake Circle Ellis & Ellis of Ms LLC LLC 5/22/13 513 Patrick Farms Dr Janna Hughes Advertising, LLC LLC 5/14/13 15 Spring Lake Circle Jones Hardscapes, LLC LLC 5/13/13 111 Midco Road LMM Enterprise & Holding, LLC LLC 5/31/13 1012 N. Sweet Home Church Rd Morea Plumbing LLC LLC 5/2/13 403 E Petros Rd Painters Ink LLC LLC 5/28/13 128 Live Oaks Blvd Redwood Restoration LLC LLC 5/24/13 442 Pearson Rd Tab Prosperity, LLC LLC 5/7/13 401 Planters Cove, Pearl, Ms 39208 Tucker Enterprises of MS LLC LLC 5/8/13 202 Black Oak Cove Whitney Caves Counseling LLC LLC 5/8/13 5611 Highway 80 East

Pelahatchie Re-Do Roofing and Home Improvements, LLC LLC 5/21/13 1420 Highway 43 South Russell Electric Inc BUS 5/24/13 116 Barefoot Springs Road

July 26, 2013 • MISSISSIPPI BUSINESS JOURNAL • www.msbusiness.com

AN MBJ FOCUS:

ARCHITECTS & ENGINEERS DALE PARTNERS

Firm targeting major projects

By LISA MONTI I CONTRIBUTOR mbj@msbusiness.com

2013 has been a very good year for Dale Partners Architects, one of the state’s largest full-service architectural firms with offices in Jackson and Biloxi. Dale Partners is heading at least three of the largest projects in the works across Mississippi: The Grammy Museum in Cleveland, the Jackson Convention Complex Hotel and a minor league baseball park in Biloxi.

“We create all this excitement with the renderings and the models. When the

building opens, we need to deliver that same exciting design,” said T. Doug Dale, principal in charge.

While each project has its own timetable, momentum and inevitable challenges, the process generally remains the same. “From concept to turning dirt, it’s typically eight to nine months of developing design and details for design to providing final plans and specifics to be formally advertised for general contractors to submit bids for construction,” said Dale.

The design team will then assist the owner in analyzing the contractor to be se-

THE RIGHT PERSPECTIVE MAKES ALL THE DIFFERENCE IN THE WORLD.

lected based on their bid.

“The basis of design is to interpret the clients’ desires, organize them into a conceptual design and get it completed on schedule and within budget,” said Russ Blount, senior associate with the firm.

Dale Partners is providing design services for the Grammy Museum in a joint venture with Eley Barkley, PA in Cleveland.

The firm first responded to the formal request for qualifications in 2012 and made it to the short list for personal interviews.

The firm was one of two key firms selected for the museum.

The exhibit designer, Gallagher and Associates, was chosen through another selection process.

Once they were chosen, Dale, See

DALE, Page 15

Civil Engineering Aviation Economic Development Over thirty years of proven success has given us the perspective to help you achieve your goals.

Environmental Planning Program Management Surveying and Mapping Transportation Water Resources

Photos courtesy of Dale Partners

T. Doug Dale’s lineup of major projects include, from top, the Grammy Museum in Cleveland, the Conventer Center hotel in Jackson, and the minor league baseball park in Biloxi.

14 I Mississippi Business Journal I July 26, 2013

ARCHITECTS & ENGINEERS

PROFILE: TERRACON CONSULTANTS

Expanded reach, stronger services >> After 2009 merger, Terracon is the largest geotechnical engineering firm in the United States

By BECKY GILLETTE I CONTRIBUTOR mbj@msbusiness.com

In 2009 Ridgeland-based Aquaterra Engineering, derived from Ware Lind Engineers, the first geotechnical engineering firm in Mississippi, had offices in five Southeastern states. The company decided to grow even larger by merging with Terracon Consultants Inc., a firm that is now the largest geotechnical engineering firm in the country with more than 3,000 employees and more than 130 offices in 39 states.

The move to Terracon Consultants, which is a 100 percent employee-owned firm, has helped the company grow and prosper, said Richard M. Simon, senior principal\vice president and regional manager for Terracon.

“Aquaterra Engineering became part of Terracon as part of a growth strategy to fill geographic gaps in the country with quality firms that matched up with Terracon’s culture, services and desire to provide excellence in engineering and consulting,” Simon said. “We liked the idea of joining a national firm, and increasing our ability and available resources to serve our clients. Aquaterra was able to bring additional opportunities to Terracon, as well. Joining Terracon was really taking the company to the next level, and I think our clients, as well as our employees, recognize that. Almost four years later, I still get asked if it was a good decision. It makes me proud to say, absolutely, and I would do it again any day.”

Simon said the advantages for Terracon Consultants in acquiring Aquaterra was that the company was able to expand to the Southeast region of the U.S. and further strengthen its services. With the acquisition, Terracon gained additional professionals

with experience in environmental, geotechnical, and construction materials engineering and testing to grow their presence in this region of the country.

Being part of a nationwide engineering company means they are now backed by more than Simon 3,000 employees, which Simon said provides their company the ability to mobilize resources on their clients' projects faster.

“As Aquaterra, we were providing environmental, geotechnical, and materials engineering and testing services, which Terracon also provides, but now we can offer a stronger level of expertise,” he said.

“With professionals in every discipline across the company, we can just pick up the phone and talk to an expert whenever we run across a unique challenge on a project.

Being part of a national firm also provides opportunities to work on projects for our national accounts that we never would have had previously. Our national account program is second to none and allows our national clients’ consistency and dedicated managers regardless of the office assigned their account. We also can now work on larger and more complex projects across the country.”

Terracon’s client base is very diverse. On any given day, they may work with a commercial developer or architect on a new development, assist an energy client with new transmission lines, provide an indoor air quality survey for a hospital, provide a civil engineer with soil characteristics for a new roadway, and be at a 3 a.m. concrete pour at a new retail facility. Simon said to help them

focus on certain markets such as energy, they have dedicated sector leaders who work with firms that design and build that type of facility. They have the same sector approach with transportation Brownfields, and other large areas of business.

Some major projects the company is currently working on include providing services at the Whole Foods project at Highland Village in Jackson, and at the EPA Superfund site American Creosote Works in Louisville. Terracon has also been doing work on the North American Coal Corp. Red Hills mine located in Ackerman and the Liberty Fuels coal mine for Mississippi Power’s Plant Ratcliff in Kemper County. Another current project is a new middle school in Moss Point.

Past projects from around the state include the Central Mississippi Crime Lab in Jackson, the Blackburn Middle School, Kroger in Madison, Habitat for Humanity Metro Jackson developments, the McCoy

Federal Building renovations, Singing River Hospital in Ocean Springs and The Ridge at Turtle Creek in Hattiesburg.

Terracon has four service lines: geotechnical engineering, CMET, environmental consulting, and facilities.

“This combination of services allows us to work with a client from project conception and design, to construction, to maintaining the appropriate functionality of the facility,” Simon said.

Simon said the company’s strength is its people.

“Company-wide and locally we have a team of people committed to providing quality service to their clients,” he said. “We live in Mississippi, raise our families here, and take pride in helping with positive economic growth. Our national network is made of professionals and technicians with See

Civil Engineering • Transportation • Aviation • Structures / Water Resources Bridges • Surveying Services • Planning • Environmental Engineering Landscape Architecture • Solid Waste Engineering • Geotechnical Engineering Materials Testing • Forensic Engineering • Emergency Management Environmental Science • Telecommunication Services • Public Outreach

WWW.NEEL-SCHAFFER.COM • 1.800.264.NEEL

TERRACON, Page 15

LAW & ACCOUNTING TERRACON

Continued from Page 14

many years of experience. It’s a unique company structure that allows us to learn from each other. Having worked for a large national firm earlier in my career, it was important to me that offices work together and that corporate operations provide management and administrative support. Many large companies don’t operate in that manner, but our executive management sends this message so our culture promotes team work and efficiency in everything we do.�

All employees are afforded the opportunity to become owners of Terracon through the Employee Stock Ownership Program which allows employees who choose to contribute to a 401(k) plan to receive matching contributions from Terracon in the form of both cash and stock. Currently, 95 percent of Terracon employees are owners through the ESOP program. Employees can also receive stock options that further expand their ownership in the company. “Since we are employee owned, Terracon truly is our company and we all feel personally responsible for its success,� Simon said. “It’s a true team effort and we are united in working towards the same goals. From the folks in the office to our technicians out in the field, we feel empowered to contribute to the success of the firm. We work together to make cost-effective decisions and think long-term about our goals. Furthermore, we’re empowered to influence and provide input to our strategic vision.�

Terracon has about 35 employees in Mississippi, including one who has been with the company for 40 years. “We have very good employee retention,� Simon said. “I believe largely because of our culture and desire to provide a rewarding career for every employee. We care about our employees and their families. One of our programs that demonstrates this is our Incident and Injury Free Safety Program. We train our employees to practice pre-task planning in every activity so that they can determine the safest way to complete each task and go home safely to their family each and every day.�

July 26, 2013

DALE

Continued from Page 13

Eley/Barkley and Gallagher began working together to create a concept. “For the Grammy Museum, because of its significance of being the only museum outside of Los Angeles, our joint venture architects chose a process of several designers creating several design options for the committee’s consideration� Dale said. The collaborative design process is known as a charette. The final concept design was presented in April. “From concept to turning dirt, it’s eight to nine months of developing design and details for design to providing final plans and specifics to be formally advertised for general contractors to submit bids for construction,� said Dale.

The design team will assist the owner in analyzing the contractor to be selected based on their bid, he said. “During the construction phase, the architect and engineer design team continue to observe the construction until the project is complete and turned over to the owner,� said Dale.

Final construction documents should be ready in early 2014. The museum is scheduled to open in 2015.

The Biloxi Caillavet Park project began several years ago with feasibility studies on site location and funding from public and private sources for the AA minor league franchise. “We began this journey in the early feasibility stage to determine the appropriate site location and facility cost with a group of finance feasibility team, baseball team owner and cities,� Dale said. “The current site selected is centrally located and meets the expectations of providing good economic development in

Ć”

Mississippi Business Journal

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Geotechnical

15

the city of Biloxi.�

The design process involved multiple concepts to meet varying requirements of the team, city and the land owner. Dale Partners have completed the schematic design and are working to finalize agreement with all parties.

Dale said in addition to architects, all projects require various professions, including civil, structural, mechanical, electrical, plumbing and interior designers and larger projects such as the ball park include additional specialties such as audio visual experts, field designers and food service teams. “All of our consultants fall under the architectural umbrella. Communication between all team members, consultants and owners, is important. We talk on the phone daily and have weekly or monthly meetings,� Blount said.

From the time Dale Partners started the design process to the day the team will play its first game in the park will be at least five years.

The Jackson Convention Complex Hotel also is a private investment that has some public contributions.

Of all buildings in the past four years, getting private financing for hotels has been difficult, Dale said.

Dale officials say all three projects will have far reaching impact. The baseball park is expected to encourage economic development, the hotel to promote downtown revitalization and the museum to bring new opportunities to Delta State University students and the surrounding area. “We want to see our client excited about our design, and then see the same excitement when the project is built,� said Dale. “The easy part of our jobs is creating the design. The hard part is helping produce the finished product.�

Reliable.

Barlow Ć” Eddy Ć” Jenkins, P.A. A r c h it e c t u r e

I

(601) 956 4467 terracon.com

Environmental

Construction Materials

Facilities

LARGEST ENGINEERING FIRMS

16 I Mississippi Business Journal I July 26, 2013

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NEWSMAKERS

July 26, 2013

I

Mississippi Business Journal

Profiles of growing young professionals in Mississippi

ever,” she says. “Combing a good strategy with powerful digital tools can really make for a successful marketing impact.”

Weinberger actively volunteers and supports the Girl Scouts of America and the Coast Young Professionals organization. She enjoys spending time with friends and family, Netflix, her Kindle Fire and her dog, Dobby.

“Taking a break from work is just as important as putting 110 percent into work,” Weinberger advises young professionals.

“It's easy to get caught up in proving your worth by working long nights and never taking off, but exhausting yourself is not the answer.”

— By Stephen McDill

17

Age: 24 Assistant Brand Manager, GodwinGroup

Keeping our eye on... MELISSA WEINBERGER Although she grew up in Maryland, Melissa Weinberger spent summers visiting family in Gulfport and knew that she wanted to attend college in the South.

“I love the downtown areas along our Mississippi Gulf Coast — being able to walk to the beach is something I will never want to be without,” Weinberger says.

While studying mass communication and journalism at the University of Southern Mississippi, Weinberger landed an internship at the GodwinGroup advertising agency. After graduation, Godwin hired her as a full-time brand manager and social media guru helping represent clients ranging from casinos and utilities to the Infinity Science Center.

“Brands are now interacting with their audience more than

I

Heroes: Eleanor Roosevelt Best Mississippi event: Fourth of July fireworks on the beach

Favorite Mississippi food: Seafood First job ever: “I was the perfume girl for Hollister.

I literally walked around the store spraying perfume.”

Favorite TV show: “Parks and Recreation” Favorite movie: “First Wives Club” Favorite music: Motown and show tunes.

Twitter handle: @MNWeinberger

McClellan comes to DSU

Prince makes history

Byers, Jackson named VP

Reeves gets recognition

Steven J. McClellan has been named vice president for finance and administration and CFO at Delta State University. For the last six years, McClellan has served as associate vice chancellor for finance at the University of Arkansas at Little Rock.

McClellan will take office on August 1, replacing Greg Redlin who will retire July 31.

McClellan has held the position of associate vice chancellor for finance with UALR since June 2007.

Prior to his work at UALR, he was employed with Northwest Mississippi Community College. He began his work at Northwest in 1984 as an accountant but was quickly promoted through many positions including the director of accounting and business manager before beginning his 13 years as vice president for fiscal affairs.

McClellan currently serves on the board of directors of the Arkansas Association of College and University Business Officers (AACUBO) and has served the Southern Association of Colleges and Schools, Commission on Colleges, as a reaffirmation team member for 11 years. He has served for eight years as the Regional Representative on the board of directors of Community Colleges Business Officials (CCBO), representing the states of Mississippi, Alabama, Arkansas and Louisiana. He was selected as the “Most Outstanding Business Official” from this region in 1998. McClellan was an active member of the DeSoto County Economic Development Council for over 15 years and served on the Educational Affairs and the Legislative Affairs Committee. He has also been an active member of the DeSoto Arts Council’s board of directors for 10 years.

McClellan is a native of Cleveland, and attended Mississippi Delta Community College before transferring to Delta State University, where he graduated with a bachelor of business administration in accounting in 1981 and earned his MBA in 1983.

The Neshoba Democrat publisher James. E. "Jim" Prince III was recently re-elected president of the Mississippi Press Association. Prince will serve a second one-year term as president of the state newspaper association and its advertising services subsidiary. He becomes the first publisher to serve back-to-back terms in 23 years.

Prince is president of Prince Newspaper Holdings Inc., which also publishes the Madison County Journal in suburban Jackson and the Kemper County Messenger in DeKalb. The company also publishes Madison Magazine and Neshoba Magazine.

Also elected to leadership positions at the 2013 convention were Calhoun County Journal publisher Joel McNeece, first vice president Daily Corinthian publisher Reece Terry, second vice president; and, Starkville Daily News publisher Don Norman, treasurer.

ID Group Inc. has appointed Michael Byers as the new vice president of operations and Brian Jackson as the new vice president of strategic development.

Byers will oversee all day-to-day operations encompassing service, administration, inventory, supply, personnel and customer satisfaction. A native of Terry, he has been with the Ridgeland-based company for over nine years and is leaving his former role as service manager.

Jackson will be responsible for the direction and growth of the company, by overseeing sales force and strategies, product development and vendor relations. A native of Baton Rouge, La., he has 14 years of experience with ID Group and is leaving his former role as sales manager.

Gov. Phil Bryant recently presented the 2013 Excellence in State Government Award to Randy Reeves, executive director of the State Veterans Affairs Board, in recognition of excellence and innovation in public service. Reeves was recognized for stabilizing agency funding by creating methods to provide consistent funding streams and improving efficiencies; increasing partnerships with state and national agencies, including working with the Department of Employment Security on a veterans job program and with the Military Department on legislative issues; increasing the educational institutions approved for veterans benefits from 84 to 91; and implementing a recognition program and increasing training options for agency employees in order to improve delivery of services to veterans. He also worked to provide a burial option for veterans and spouses by opening the first State Veterans Cemetery and was instrumental in the implementation of the “Vet” designation for veterans on drivers licenses.

Asper tenders resignation Dr. Vernon Asper is resigning after serving 19 years on the Commission on Marine Resources.

Jimmy Taylor, who currently is vice chairman of the Commission, will take over as chairman.

Gov. Phil Bryant will appoint someone to take over for Asper, whose current term expires June 30, 2014.

Flints in the news Stan Flint is now president of The Consulting Group, a government and public affairs consulting firm that he has re-established in Jackson. The Consulting Group specializes in; legislative and executive branch advocacy, media and public relations and political consulting for private and public entities. Flint has 40 years’ experience in these fields and was for the last seven years, the managing partner for Southern Strategy S. Flint Group of Mississippi, part of the largest state-level lobbying firm in the U.S. Jordan Leigh Flint is now an associate with The Consulting Group. Jordan's responsibilities include managing the firm's administrative and executive operations. She will also manage and represent clients, manage field and grassroots activities and as- J. Flint sist with business development for clients for whom those services are performed.

She is a recent graduate of Millsaps College where she earned a public management degree as a Presidential Scholar.

Bush made treasurer The American Heart Association has unveiled its national officers for the 2013-14 fiscal year, which includes a Mississippian. David A. Bush is executive vice president and manager of The First Private Bank, a service of The First, A National Banking Association, in Hattiesburg is AHA treasurer. In this role, Bush will be responsible for the association’s funds and securities. He was the 2010-12 chairman of the Bush association’s Greater Southeast Affiliate and has been a member of the national board of directors since 2011.

BMG adds Speed Warren L. Speed has joined Blake Management Group (BMG) as member and chief people officer for the developer, operator and owner of assisted living facilities. Speed has over 20 years commercial real estate operations and people management experience. He most recently served as executive vice Speed president and head of the people department at Parkway Properties.

Chen chosen for chair Weixing "Mark" Chen will join the faculty of the University of Mississippi this fall as the new chair of the Department of Public Policy Leadership. He brings to the department experience with university administration, establishing international partnerships and educational programs, and his teaching and research specializations in public policy, international relations and Chinese politics, with an emphasis on Chinese leadership.

Before coming to UM, Chen was professor of political science and chair of the Department of Political Science, International Affairs and Public Administration at East Tennessee State University, where he was honored with the ETSU Distinguished Faculty Award for Research. He also has served as a visiting professor or lecturer at six universities in Asia.

Chen earned a bachelor's degree in English and literature in 1982 from Shandong University in China, a master's in international relations in 1986 from the College of International Relations in Beijing and a doctorate in political science in 1992 from Northern Illinois University.

NEWSMAKERS

17 I Mississippi Business Journal I July 26, 2013 Silverman moves to Crossgates TEC promotes Walker, Caypless Wilson serving on board Glen Silverman is the new CEO of Crossgates River Oaks Hospital.

Silverman moves from his position as the CEO at Madison River Oaks Medical Center in Madison where he has served as CEO since 2010. Silverman has been with Health Management Associates since 1998, serving at several hospitals including Riverview Regional Medical Silverman Center in Gadsden, Ala., and CMMC in Jackson.

In addition to serving as CEO of Madison River Oaks Medical Center, Silverman has served as assistant controller at Riverview Regional Medical Center in Gadsden, Ala., and as CFO at Sandhills Regional Medical Center in Hamlet, N.C., Lake Norman Regional Medical Center in Mooresville, N.C., and at CMMC, where he also served as CEO for two years.

He is a fellow of the American College of Healthcare Executives and a member of the Healthcare Financial Management Association.

TEC has promoted Monte Walker to Central Office/Network Operations supervisor at TEC located in Friendship, Tenn. In this role, Walker will lead and supervise the Network and Central Office functions to include TEC's voice and data service platforms.

Walker has been with TEC for over 11 years.

Also, TEC has promoted Michael Caypless to outside plant supervisor at TEC located in Roanoke, Ala. In this role, Caypless will lead and supervise the outside plant team for customer installations and plant construction.

Caypless has been with TEC for more than 10 years.

DSU chooses Thompson

Mississippi State Police Department chief Georgia Lindley was elected the 2013-2014 president of the Mississippi Association of Chiefs of Police at a recent conference in Biloxi. The Starkville native succeeds chief Richard Veazey of the Tunica Police Department as president. A 34-year veteran of the MSU Police Department, Lindley was appointed chief of police in 2005, making her the first female to lead law enforce- LIndley ment at the 135-year-old land grant institution.

She received both her bachelor's and master's degrees from MSU and is a licensed social worker. Lindley also is a volunteer with the Oktibbeha County Humane Society. She is married to chief David Lindley of the Starkville Police Department, who is an association past president.

Delta State University has named Caitlyn Thompson the coordinator of communications and marketing. Prior to joining Delta State, Thompson served as marketing assistant for Aramark Dining Services at Mississippi State University. She also worked as an account executive for The Campus Special in Starkville.

Thompson earned her bachelor of arts in communication with a concentration on public relations from Mississippi State Thompson University. She is currently pursuing a master of science in community development from Delta State.

At Delta State, Thompson has served on the University Publications Committee, the “Year of Service” Community Service Committee and has been a team member on projects that have received various American Advertising Federation ADDY awards.

Thompson quickly immersed herself into the Cleveland Community. She serves as vice president of communication for the Cleveland-Bolivar County Young Professionals and has served on the Marketing and Communications Task Force and the Delta StateCommunity Task Force of the Chamber of Commerce.

She is also a 2012 graduate of the Leadership Bolivar County Program.

Thompson is married to Nathan Thompson, and they have one son, Levi.

Spears retires after 43 years

Denmark appointed superintendent

Rosemary Spears, chief of the finance and accounting branch of the resource management office, has retired from the U.S. Army Corps of Engineers Vicksburg District after 43 years of service. Spears began her career in August 1969 as a voucher examiner in the office of the comptroller, finance and accounting branch. In September 1980, she was selected as the chief of finance and accounting branch of the Resource Management Office.

Spears is a native of Vicksburg. She earned her bachelor of science degree in business administration from Tennessee State University. She serves as a Sunday school teacher and children’s church teacher at Word of Faith Christian Center, and community service chairperson for the Association of Government Accountants. She is a former board member of Good Shepherd Community Services.

She and her husband, Albert, are the parents of two children, Sean Spears and Kimberly Spears Carter, and have two grandchildren.

Johnnie Denmark has been named superintendent at the Central Mississippi Correctional Facility in Pearl. Denmark succeeds James Holman, who retired. Denmark has worked for the Department of Corrections since 1989 when he was a correctional officer trainee. Having held several key correctional administrator positions over the years, he comes to CMCF from South Mississippi Correctional Institution where he was warden.

Denmark has a bachelor of science degree in criminal justice from the University of Southern Mississippi.

Lindley elected president

The College Savings Mississippi Board of Directors is welcoming Cory Wilson of Madison as its newest board member. Wilson, an attorney with Heidelberg Steinberger Colmer & Burrow, was appointed by Gov. Phil Bryant to represent the Second Congressional District. A native of Moss Point, Wilson attended the University of Mississippi, where he graduated summa cum laude in economics in 1992. He received a law degree from the Yale Law School in 1995, where he served on the Yale Law Journal.

In 2005, Wilson was honorably selected by President George W. Bush as one of 12 White House Fellows. Wilson served at the Pentagon as a special assistant to Secretary of Defense Donald H. Rumsfeld. He later returned home to Mississippi and became the deputy secretary and chief of staff for Mississippi Secretary of State Delbert Hosemann. Since 2011, Wilson has managed the Jackson office of the Pascagoula-based law firm of Heidelberg Steinberger.

In addition to Wilson, College Savings Mississippi's nine board of directors include: Dr. Hank Bounds, commissioner, Institutions of Higher Learning; Dr. Eric Clark, executive director, Mississippi Community College Board; Kevin Upchurch, executive director, Mississippi Department of Finance and Administration; Jessica DuPont, Pascagoula attorney; Kenny Goza, Entergy Mississippi; Scott Carmichael, president, Missouth Properties; and Len Blanton, CFO/COO, Nesco Electrical Distributors.

Wilson replaces outgoing board member Lois Erwin whose 10-year term ended June 30.

Kinkade, Hope made VPs Kevin Kinkade has been promoted to first vice president at Trustmark. He is a commercial relationship manager specializing in residential and commercial construction lending. Kinkade earned a bachelor of business administration degree with a double major in marketing and general business from the University of Mississippi. He is a graduate of the Mississippi School of Banking at the Univer- Hope sity of Mississippi and the Graduate School of Banking at Louisiana State University.

Active in his community, Kinkade is a past board member for Madison “The City” Chamber of Commerce, where he also served as the ambassador chair person. He is a graduate of “Leadership Madison County Kinkade and a member of the Madison County Chamber of Commerce.

He is also an active member of the Home Builders Association of Jackson and the Home Builders Association of Mississippi having previously served as a member of both their boards of directors and was recognized by both organizations as Associate of the Year. Kinkade is a past coordinator for Partners in Education for Trustmark. He has served as Chair of the “Brunson” Memorial Golf Tournament benefitting the American Cancer Society and volunteered with the Salvation Army, American Heart Association, American Diabetes Association and Habitat for Humanity.

Kinkade is married to the former Susie Sneck, and they have one child.

Also, Sara Jane Hope has been named vice president at Trustmark. With over 30 years of experience in the field of training and development, Hope is the corporate training director. She earned a bachelor of arts degree from Purdue University and a master’s degree in guidance and counseling (Human Services Agency) from Murray State University. Hope is designated as a professional in human resources (PHR), a certified trainer (ASTD) and a certified leadership coach (Kevin Eikenberry Group) and holds several other training certifications. She is a long-time member of the American Society for Training and Development at both national and local levels. She also is a member of the Society for Human Resource Management, the Capitol Area Human Resource Association, the Executive Women International, the Women's Food Service Forum and the Council of Hotel and Restaurant Trainers. She also has her own business, Positive Dimensions, where she offers leadership and management training and coaching. She was a member of the 2005 Mississippi Leading Business Women class.

She is a member of the Madison and Rankin County Chambers of Commerce and previously served on the Leadership Madison County Board of Trustees. She is a member of the Friends of the Ridgeland Library where she serves as a book sale volunteer. She participates in a monthly book club and many community and church activities.

Hope and her husband, Larry, live in Ridgeland.

Sistrunk appointed COO Heather Sistrunk, RN, BSN, MHSA, of Brandon had been named COO of River Oaks Hospital. Prior to this role, Sistrunk served as the Southern Division director of quality and clinical implementation for Health Management Physician Network (HMPN). She has more than seventeen years of health care experience and began her career as a nurse in the Coronary Care Unit at Mississippi Baptist Medical Center. She Sistrunk also served as administrative director in Cardiovascular Services at Mississippi Baptist Medical Center before joining HMPN. Sistrunk received a bachelor’s degree in nursing from Mississippi University for Women and a master’s degree in health services administration from Mississippi College. She is a member of the American Academy of Medial Administrators, Mississippi Organization for Nursing Executives and the American College of Cardiology. She also served pro-bono as the executive director of the Mississippi Healthcare Alliance.

Association elects officers During its 90th Annual Convention held in Tupelo, W. E. “Sluggo” Davis of DeSoto County was elected president of the Mississippi Chancery Clerks Association. Doug Touchstone of Pike County was elected vice president and Arthur Johnston of Madison County was elected secretary treasurer.

For announcements in Newsmakers; Contact: Wally Northway (601) 364-1016 • wally.northway@msbusiness.com

SALES MOVES

July 26, 2013

I

Mississippi Business Journal

I

19

» JEFFREY GITOMER

The POWER of Sales Success. It’s all within you! ast week I talked about the power of sales success and gave you the first 10 personal powers you need to possess in order to have all of the sales success you desire. As a professional salesperson, you want more selling power and this two-part article reveals the sources.

L

Let me share with you the remaining powers you do possess and how you might be able to use them and take advantage of them to build sales, build relationships, build referrals, earn testimonials and achieve the sales success that you are striving for…

11. The power of relatable example. Please don't tell me how the product works. Rather, tell me how someone else is using it and winning right now as a result of it.

12. The power of truth. It's sad I have to write about this. The elusiveness of truth has caused more business deals and more relationships to be lost to lack of truth than to lowest bid. Truth starts with you.

13. The power of trust. Trust is built slowly over time by taking consistent, value-based actions. Trust is lost in a minute by taking inappropriate actions, telling untruths or failure to deliver as promised.

14. The power of service. The power of service is realized through actions, not advertisements.

There is no power in telling me how great your service is, there is power in delivering it, and there is HUGE power in having your customers talk about it, brag about it, on social media.

15. The power of a relationship. Real relationships mean there is no bidding involved and no

GREENTECH

Continued from Page 4

program. Gulf Coast Funds, based in McLean, Va., worked closely with GreenTech when McAuliffe was its chairman.

Republican gubernatorial nominee Ken Cuccinelli and McAuliffe are in a tight race that has become increasingly heated. Last week, Cuccinelli narrowly trailed McAuliffe in a poll conducted by Quinnipiac University. Cuccinelli has had to confront similar ethics questions over ties to nutritional supplements maker Star Scientific and its chief executive, Jonnie R. Williams Sr. The Virginia AP reported that Williams has given $18,000 in personal gifts to Cucinelli.

Cucinell, currently Virginia’s attorney general, told the AP earlier this week that McAuliffe needs “to come forward and answer questions about this serious matter. Virginians deserve to know the truth about McAuliffe and GreenTech’s

proposals involved in earning a sale. Relationships are based on mutual value provided, mutual loyalty exchanged, truth and trust. Take a moment right now and list the ten customers that fall into this category. If there are less than ten your power isn't close to what it could be.

16. The power of loyalty. I define loyal customers two ways: will a customer do business with me again and will they refer someone to me. Many customers may never be satisfied, but they continue to do business with you. That's loyalty. Repeat business and unsolicited referrals are the report card that everything else in the relationship is excellent. Keep in mind that loyal customers are also your most profitable customers.

17. The power of reputation and social brand. Social media presence is no longer an option. And the most powerful part of it is the fact that your customers can interact with you one-on-one.

They have access to your Facebook page. They can tweet about you with a hashtag. They can post a video about how great you are on YouTube. Social media can make you a fortune or cost you a fortune.

It all depends on the way you respond and the speed of your response.

18. The power of proof. When you make statements or claims about yourself, it's bragging.

When your customers say the SAME THING about you, it's proof. Proof is a reputation builder, proof is a sales tool, and proof reinforces the belief of everyone in your company that you are who you say you are, and you do what you say you'll do.

19. The power and joy of rejection. It's amazing what you can learn when someone says no to you. Much more than when someone says yes. In both cases you need to understand why the

potentially inappropriate solicitation of EB-5 visas.”

McAuliffe’s campaign spokesman Josh Schwerin said McAuliffe is not a target of the investigation, and “Cucinelli’s attacks are an attempt to distract from his ties to the Star Scientific scandal.”

Emails obtained by the AP show repeated efforts by Virginia Economic Development Partnership officials under Democratic and Republican governors to interest the company in rural Virginia locations, even as the officials expressed misgivings about the company’s financing plans, including its proposed use of the EB-5 program to attract Chinese investment.

The most routine users of the EB-5 program are Chinese investors. According to an undated, unclassified State Department report that the AP obtained about the program, the U.S. Consulate in Guangzhou, China, processed more investor visas in fiscal year 2011 than any other consulate or embassy.

The Associated Press contributed to this report.

yes or the no occurred. Celebrate the no. It will help you understand why and ultimately get to more yeses. The power of rejection, and learning from it, is the foundation for your resilience and your success.

20. The power, joy, Jeffrey Gitomer and celebration of victory. YES attitude! When you're in sales, nothing feels better than making one. The power comes one minute after the celebration. That's when you start making the next one.

Most salespeople stop after one. Big mistake. Your assertiveness is in high gear, your belief system is in higher gear, and your attitude, your YES Attitude!, is in highest gear. Once you learn that the best time to make a sale is right after you have just made a sale, you’re on the path to doubling your sales.

20.5 The power of opportunity. The most important realization in sales and selling is the one you give to yourself. You do not have a job. You have an opportunity. An opportunity to earn while you're learning. An opportunity to earn based on your results. And an opportunity to grow without limits. If you look at your present position as an opportunity, then all barriers and all nega-

tives will fall by the wayside as you challenge yourself to be your best regardless of your circumstance, regardless of your boss, regardless of the marketplace, and regardless of any obstacle that is in your way. I challenge you to take full advantage of your opportunity.

NOTE WELL: These powers do not act alone.

Rather, they act in harmony with one another. One power will not put you over the top. It's important to know them all and it is equally important to execute them all at their highest level.

Many of you are probably frantically searching for the first part of this article that appeared last week. Your search is over. Go to www.gitomer.com and enter the word POWER in the GitBit box.

Jeffrey Gitomer is the author of “The Sales Bible”, “Customer Satisfaction is Worthless” “Customer Loyalty is Priceless”, “The Little Red Book of Selling”, “The Little Red Book of Sales Answers”, “The Little Black Book of Connections”, “The Little Gold Book of YES! Attitude”, “The Little Green Book of Getting Your Way”, “The Little Platinum Book of ChaChing”, “The Little Teal Book of Trust”, “The Little Book of Leadership”, and “Social BOOM!” His website, www.gitomer.com, will lead you to more information about training and seminars, or email him personally at salesman@gitomer.com.

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