october thrive newsletter

Design and layout of the Thrive newsletter is performed by Peggy DeGregory of Essential Business Support.

thrive!Volume 11, Issue 10 www.laceychamber.com October 2010

For my last Forum as president I wanted to offer a question and answer session with experts on employment law. As a small business owner, I often have questions about what is required

of me as an employer and what I am required by law to provide to my employees. For example, how much vacation time am I required to give to each employee? Am I even required to give vacation time? What about sick leave, breaks, holidays, personal time, bereavement, time off for other family member illnesses, and the list goes on. Do we as employers or employees really know what state or federal law

requires? I don’t, and I should at least know the basics. I don’t want you to think that I am some kind of knucklehead, because I don’t think I am, but times change and since I had questions I thought others might too. Please join me at the Forum on October 6 at 11:30 a.m. at Saint Martin’s Worthington Center.

Our Speakers will be Janice Whitman, Civil Rights Specialist with the State of Washington Human Rights Commission; Lynn Buchanan with the Department of Labor and Industries; and Shawn Newman, Attorney at Law. I will ask them the questions I mentioned above and then, if time allows, we will open it up to questions from the floor. I want to thank Angelique Wilson from Professional Temp Staffing Agency for lining up the speakers for this event and also to thank her for being a Lacey Chamber board member this last year. She has done a great job on the HR committee.

By the time you receive the newsletter the election for the new board members will be over. At the Forum I will announce who the president-elect and board members will be for the next year. I have had the pleasure this year of working with the best group of professionals any chamber president could ask for. Make sure you thank our board members when you see them at our networking events.

The Lacey Chamber Auction is October 16 at Saint Martin’s Worthington Center. This is our biggest fundraiser of the year. It promises to be the best one we have ever had. Tony Salas of Anchor Bank, chair of the Auction Committee, and his committee have taken a lot of time to make it a very special event. The theme is Spotlight on Cinema. The evening will offer grand decorations befitting the theme and an opportunity for you to walk down the red carpet and be treated like a star for the night. Who knows, maybe you will be discovered. We promise some very interesting and comical entertainment—please join us.

The Lacey Chamber NewsletterThe Lacey Chamber Newsletter

Message from the PresidentBy Jeff Powell, President

Table of Contents

Message from President 1Boundary Disputes 2 Funeral Alternatives 3Welcome Home BBQ 4ShredFest 2010 4Office Sportsmanship 5September 5:01 Surge! 5Business is Booming! 9Roster 9Chamber Events 11Kidwiler Thank Yous 11

RSVP Now!2010 Auction

Spotlight on CinemaSaturday, October 16, 2010

Saint Martin’s Worthington Center

Fisher Jones Family Dentistry2415 Pacific Avenue SE, Olympia

(360) 943-4644www.FisherJonesFamilyDentistry.com

Tuesday, October 265:01p.m. to 7:00p.m.

Media Sponsor 5:01 Surge

Chris Lester Insurance Services4134 107th Ave. SW Olympia, WA 98512

(360) 866-0610www.chrislesterins.net

Chris Lester Insurance Services

Auction

RSVP now with your food

selection.

Still accepting donations

2 Lacey Chamber of Commerce October 2010

Boundary Disputes 101Submittted by Jay A. Goldstein, Goldstein Law Office, PLLC

This article hopes to provide informa-tion regarding real property bound-aries, the potential problems that

can occur, and several alternatives on how to resolve boundary disputes.

EasementsAn easement is a legal right to use some-one else’s land for a particular purpose. For example, the municipal water company may have an easement to run water pipes under your property. Your name is on the deed (you’re the title holder) and you still own the property, but the water company has the right to use a part of it, for its pipes.

Easements should be written and ref-erenced in property deeds and related documents prepared by a title insurance company or attorney. Easements are part and parcel of the land they affect. They don’t change when the property changes hands. Subsequent owners are obliged to let who-ever owns the easement use the property. Whoever owns the property may not inter-fere with the purpose of a legal easement.

• Express.Expresseasementsmustbeinthe form of a deed—in writing, signed, notarized, noting the benefitted and burdened parcels, and scope of the easement.

• Prescriptive. A prescriptive easementis created when someone uses anoth-er’s land without permission, such as a driveway or storm water drainage or a fence. A neighbor may have farmed on your property or even built on it. After the time requirement is met, the trespasser gains a legal right to use the property. A trespasser may acquire the easement when others are also using the property—even the owner.

• Implied. An implied easement is cre-ated by law for land-locked properties based on several legal doctrines.

Adverse PossessionThe Law does not Help Those who

Sleep on their Rights.

Adverse possession is the taking of own-ership to real estate by possessing it for a

certain period of time. The person claim-ing title to real estate by adverse posses-sion must have actual possession of it that is open, notorious, exclusive, continuous, and adverse to the claims of other persons to the title. By its very nature, a claim of adverse possession is hostile to the claims of other persons.

• Open and Notorious. The trespassermust actually be in possession of the property and treat it as if he were the owner. This means an actual physical presence on the land. It’s not enough for someone just to make a claim, orally or in writing, of ownership. The words “open and notorious” simply mean that it must be obvious to anyone, including an owner who investigates, that a tres-passer is on the land.

Actual (physical) possession is usually open and notorious. Someone out in the field harvesting crops is obvious, as is a person pruning the rose garden that she planted on a strip of the neighbor’s back yard.

Similarly, a neighbor who put a fence up slightly on the next-door property is obvious--and is the one who just poured a concrete driveway two feet over the boundary line.

The point of this requirement is to let the owner know that someone is occupy-ing the land, so something can be done about it. An owner who allows someone to trespass for years without giving per-mission, complaining or taking action, so the theory goes, loses the rights to the land. The expression “You Snooze You Lose” would be appropriate here.

• Exclusive and Continuous. The tres-passer must possess the land exclusively and without interruption for the statu-tory time period—generally ten (10) years. The person trespassing must be the only one occupying the property—he can’t share possession with strangers or the owner. (By contrast, a trespasser can gain the right to use a certain part of another’s property, a prescriptive ease-ment, even if possession or use is shared

with others. See Easements, above.) If the trespasser sells or gives the property to someone else, the recipient becomes the adverse possessor and the years are counted cumulatively for the ten year requirement.

Mutual Recognition andAcquiescence

When neighbors agree or acquiesce to a boundary line, the owners may establish the line by written or oral agreement. The parties may establish boundary lines by their mutual recognition of, and acquies-cence in, certain lines as the true boundar-ies. The courts have readily held that this line is the true boundary line between the parcels if the mutual recognition of, and acquiescence in, exists for ten (10) years.

ResolutionIf you and a neighbor dispute a bound-ary line, the law provides several ways to resolve the dispute. • BoundaryLineAdjustment.Washington

State Law, Chapter 58.17 RCW, defines a boundary line adjustment as: A divi-sion made for the purpose of adjusting boundary lines which does not create any additional lot, tract, parcel, site, or division nor create any lot, tract, parcel, site or division which contains insuffi-cient area and dimension to meet mini-mum requirements for width and area for a building site.

• Boundary Dispute Settlement Agree-ment. Washington State Law, Chapter 58.04 RCW, provides that if all of the affected landowners agree to a descrip-tion and marking of a point or line deter-mining a boundary, they shall document the agreement in a written instrument, using appropriate legal descriptions and including a survey map. The written instrument shall be signed and acknowl-edged by each party in the manner required for a conveyance of real prop-erty. The agreement is binding upon the

GOLDSTEINL AW O F F I C E P L L C

Jay A. Goldstein Attorney at Law

1800 Cooper Point Road SW, No.8Olympia, WA 98502www.jaglaw.net

(360) 352-1970fax (360) 357-0844

[email protected]

See page 3 Boundary Disputes

October 2010 Lacey Chamber of Commerce 3

Boundary Disputes

parties, their successors, assigns, heirs and devisees and runs with the land. The agreement shall be recorded with the real estate records in the county or counties in which the affected parcels of real estate or any portion of them is located.

• Easement–PerpetualorTemporary.Anexpresseasementmaybe granted by the servient property owner to the dominant property owner. The easement may be perpetual and ongoing, or it may be temporary, for construction purposes for example.

• QuietTitleLawsuit.Anactiontoquiettitleisalawsuitfiledtoestablish ownership of real property (land and buildings affixed to land), or a lawsuit to remove a cloud on title. The plaintiff in a quiet title action seeks a court order that prevents the respon-dent from making any claim to the property. Quiet title actions are sometimes necessary because boundary disputes happen, i.e., neighbors don’t always agree where the boundaries are, and they are unable to cooperatively resolve the issue. Also, real estate may change hands often, and ownership is not always clear as to proper title.

If you have any questions or comments regarding real estate bound-aries, please contact us—we would be glad to discuss.

Funeral Alterna-tives of Wash-ington marked

the opening of their second location with a ribbon cutting on Wednesday, August

25. Locally owned and operated by Clair and Sharon Ferris, more than one hun-dred people joined them at their new, modern facility located at 2830 Wil-lamette Drive NE, Suite G in the Lacey Business Park.

The nearly 4,000-square-feet of service space includes a non-denominational chapel that seats 80+ people, viewing rooms, a state-of-the art AV system, ample free parking and a reception area. The facility also features a state-of-the-art crematory, providing affordable, environmentally thoughtful cremation

services on-site.

Funeral Alternatives serves all cemeter-ies and faiths. They work with individu-als and families so preparations and services are consistent with and reflect their culture, customs, and religion. They will never sell a family something they don’t need. They are always conscious of affordability in their pricing.

Serving Thurston County and the greater South Sound region, Funeral Alternatives offers traditional, graveside services with casket, memorial service, direct crema-tion, on-site services, veteran’s services, green options, and pre-planning arrange-ments. They can accommodate services and burials at any cemetery, as well as at other locations such as churches and community centers.

Funeral Alternatives’ other location is in Tumwater at South Sound Manor, one mile south of the capitol. Even prior to opening their second location, families selected Funeral Alternatives more than any other South Sound funeral provider. Find out more about them at:

www.funeralalternatives.org

or call 360.491.2222.

For more information Contact:

Sandy MichaelAccount Manager 360.786.9657 ext [email protected]

Funeral Alternatives of WashingtonSubmittted by Sandy Michael, GCI Ad Agency

Our Brand New Facility8735 Commerce Place Dr. NE, Ste. A

Lacey WA 98516-1364

The Leader inManufacturing Award-winningEco-friendly Cleaning Products

Our new 50,000 sq. ft. manufacturing facility began production in June, 2010, hiring 20 new employees, supporting local suppliers and servicing accounts in the U.S. and Canada.

www.ecos.com


Well, the w e l c o m e home bar-

beque became a real-ity for the 3-2 Stryker Brigade Combat Team (SBCT) on Sep-tember 14. Thanks to Lacey Chamber of Commerce members

and the Association of the United States Army (AUSA), a non-profit 501c3. On the planning committee were Denise Burditus, Alice Gaugler, and Helen Ford of Heritage Bank; Carlene Joseph, Jackie Pearson, and Barbara St. John of Harborstone Credit Union; Scott Spence from the City of Lacey; and Cruz Arroyo of St. Martins. Also on the committee were Lt.Col. Elisabeth Crooks and SGM Dave Brocious, both from the 3-2 SBCT.

Together the committee raised approxi-mately $30,000 to completely pay forthe event on Joint Base Lewis McChord. Interestingly, when this committee was assembled, we all looked at each other and wondered if this was even achievable in the short amount of time we had to plan.

Stryker Bridgade Welcome Home BBQBy Carlene Joseph, Harborstone Credit Union, Military Affairs Committee Chair

ShredFest 2010 hosted by Columbia Bank was a huge suc-cess! Many people stopped in to drop off their paper to get shred-ded. Recall, Inc. provided the truck that could hold up to 2,000 pounds of shredded paper. An estimated 100 people showed up for the three-hour event. The 2nd Annual ShredFest will be held Saturday, August 27, 2011 from 10:00 a.m.-1:00 p.m. We hope to see you there!

May 2010 – Occasion’s Catering

Now, we’re planning our celebration for a job well done. I also have to commend MWR (Commercial Sponsorship) on JBLM for helping with this effort. Without them it would have been extremely difficult for us to pull this off.

When we set out to obtain funding each one of us were in awe of the number of businesses that simply wanted to make a donation without receiving anything in return, because they appreciate our sol-diers.

Prior to the bar-beque, the 3-2 held its “Uncasing” cer-emony where they unwrapped the Bri-gade’s colors. When the soldiers were dis-missed, they congre-gated in a nearby tent to enjoy great food and interaction with their friends. I think we fed approximately 4,000 soldiers that day. It was incred-ible!

Overall, we can’t thank the businesses in Lacey enough for the financial support you provided. You did your city proud among the leadership of JBLM. However, most of all, the City of Lacey was able to support our troops and give them a “heroes” wel-come home. Again, thank you, and you’ll always be remembered for your kind hearts and generosity for those who serve our country. The City of Lacey and the Lacey Chamber of Commerce rocks!

ShredFest 2010

Pictured from left to right from Columbia Bank: Mike Harris, Branch Manager; Janine Thompson, Senior Teller/Customer Service Representative; Jaclyn Ott, Teller; Terrance Menefee, Personal Banker.


Office Sportmanship Leads to Increased ProductivityWritten by Denise Landers, Key Organizations Systems, Inc.

With the wrap-up of summer and all that it represents---vacations, heat, kids at home—there was

also one major series of sporting events that was billed as “the TV event of the summer.” This of course was the WORLD CUP.

Whether or not you normally follow soccer, it was hard to ignore the publicity. With the eyes of the world watching the matches, this was a prime opportunity to demonstrate model sportsmanship. There are moments that we remember for both the good and the bad behaviors. Examples include:

Good• One team sacrificing a corner kick

because they felt the call against the other team was incorrect.

• The opposing team kicking the ballaway from a hurt player so he can be assisted. Then the injured player’s team, with control of the ball, kicks it back to their opponents.

Bad• Refusingtoshakethehandofanoppos-

ing player• Unacceptablelanguage• Inappropriatelyaggressiveplay

Although this was sport, the same behaviors transfer over to the workplace. If you have to pick a team for a project, which behav-iors would you seek in your colleagues?

I recently watched four-year-old chil-dren “playing” soccer. The activities they attempted and the characteristics they modeled could easily translate into an ideal, productive work environment.

• Therewasnofearoftryingsomethingnew.

• Eachparticipant got toplay and con-tribute.

• Allplayedtotheir level, includingthehandicapped.

• Coaches focused on raising them totheir next level.

• Even with different levels, they allpulled together as a team.

• Positiveresultswererecognized.• They never stopped being excited

about learning new skills.• Therewas a great cheering squadon

the sidelines.• Everyoneenjoyedtheirday,beingchal-

lenged and involved.

In this situation there was no actual team-against-team competition. While they were all on the same side, they playfully

competed against each other as they built up their own skills and learned to function as a group and as individuals. In the same manner, while you do not directly compete one-on-one with other companies each day, friendly competition and cooperation in the work place would be a strong motivator.

Wouldn’t it be great if we all started out each work day eager to learn more and contribute to the team, getting all the help we needed, and being appreciated for our efforts?

What a successful day we would have if we could reignite some of those sparks that help our children develop into highly func-tioning adults who exhibit good sportsman-ship in all areas of their lives!

Heading into the new season, what team do you want to be on?

Denise Landers is the author of “Destination: Organization, A Week by Week Journey “and the owner of Key Organization Sys-tems, Inc. (www.keyorganization.com). She is a national speaker, trainer, consultant and coach providing conference sessions, corpo-rate training, and individual assistance to improve daily work flow and time manage-ment skills.

Apex Karting hosted our September 5:01 Surge! It was an evening of great food, fun driving, and networking. Guests were able to take a drive down Apex’s impressive indoor track and race each other. Apex Karting offers a place for birthday, corporate, or bachelor parties. Be sure to call them to book yours today!

September 5:01 Surge!

Mike Wolfe, Sceni Foster, Joann Bell, Madeline White Mike Beehler, Jerry Farmer, Walker Armstrong, Jeff Powell


Local Branding on a World of Products!

Promotional Products

Screen Printing

Embroidery

Phone: (360) 709-0483Fax: (360) 709-04393900 12th Ave. SELacey, WA 98503

WWW.BUDDBAY.COM

COMFORT IN THE CAPITOL CITY

3401/0908

K A R E N B R O W NA T

1100 STATION DR.SUITE 151DUPONT, WA 98327253.964.1288 KAREN JEAN BROWN, LLC


Mike WolfeSales RepresentativeNorthwest Division Office

Mutual of Omaha Insurance CompanyUnited of Omaha Life Insurance Company1230 Ruddell Road SE, Suite 202Lacey, WA 98503360 459 2061 fax 360 459 4697home 360 491 [email protected]

power

The money you need to shift

your business into high gear.

7402 20th Avenue SELacey, WA 98503360.491.7593

Retirement InvestmentsAuto Home Longterm Care Life Health Disabilitywww.fisherjonesfamilydentisry.com

Where Family Means Everything.

2415 Pacif ic Avenue SE u OlympiaSupporting Families and Education

(360) 943-4644

We make a donation to education for every new patient.

www.f isherjonesfamilydentistry.com

8 Lacey Chamber of Commerce October 2010C M Y CM MY CY CMY K

A MORE REWARD ING EXPER IENCE

I-5 Exit 88. West on Hwy 12 to Anderson RoadRochester, WA • 800-720-1788 • luckyeagle.com

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Lucky Eagle 1/4 page 3.5"x 4.75" Ad for Lacey Thrive

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Linda JensenCLU ChFC LUTCF

Securities o�ered through LPL FinancialMember FINRA/SIPC

OFFICE 360-357-6328CELL [email protected]

www.acps�nancial.com222 Lee Street SW Tumwater, WA 98501

SOUTH BAY PRESS360/459-3015

4003 8th Ave SE Lacey (behind Michaels)

SBP BCsize ads.indd 1 9/25/08 12:05:59 PM

Corrina Phillips Second Vice President-Wealth Management Financial Advisor

360-704-2233 800-843-7564www.fa.smithbarney.com/corrinaphillips [email protected]

©2009 Morgan Stanley Smith Barney LLC. Member SIPC.


New MembersEarth Friendly Products—BOOM! Investor8735 Commerce Place Drive NE, Suite ALacey, WA 98516Contact: Amber Petersen Category: Manufacturing Green ProductsPhone: (360) 489-3300Web: www.ecos.com

Washington Land Yacht Harbor, Inc. - Harmony Hall9101 Steilacoom Road SEOlympia, WA 98513Contact: Verne MormanCategory: Banquet HallPhone: (360) 491-3750Web: www.washingtonlandyachtharbor.com

Exit Realty Boardwalk525 Columbia St. NW, Suite 204Olympia, WA 98501Contact: Anita YarberCategory: Property Management/Real EstatePhone: (360) 459-1754Web: www.ExitRealtyBoardwalk.com

2010 Board of Directors & Group RosterExecutive Board

Jeff Powell, President, Prime Development Group, 528-2550Jerry Farmer, President Elect, 94.5 ROXY, 236-1010Felix Peguero, Vice President, Edward Jones Investments, 438-0341Mike Harris, Treasurer & Board Member, Columbia Bank, 459-3344Carlene Joseph, Secretary, Harborstone Credit Union, 253-983-8636

Board of DirectorsAndrew Barkis, Hometown Property Management, 456-7368Tom Carroll, Network Communications International, 701-1532Al Eckroth, Virgil Adams Real Estate, 701-3307*Lowell Gordon, The Creative Office, 754-1732Chris Lester, Chris Lester Insurance Services, 866-0610Tony Salas, Anchor Bank, 491-2250*Renée Sunde, Thurston EDC, 754-6320*Angelique Wilson, Professional Temp Staffing Agency, 786-8443*Patrick Davidson, Past President, Guild Mortgage, 412-1000 *Recently elected, serving a two year term.

CommitteeAmbassadors: Amanda Graham, Event Coordinator, 491-4141

Auction: Tony Salas, Anchor Bank, 491-2250

BBQ: Al Eckroth, Virgil Adams Real Estate, (360) 701-3307

ROXY Connector Business Roundtable: Reneé Sunde, Thurston EDC, 754-6320

Fundraising: Tony Salas, Anchor Bank, 491-2250

Government Affairs: Daniela Anderson, Hometown Prop. Mgmt, 456-7368

Golf: Joanna West, Washington Business Bank, 754-1954

Kidwiler Scholarship Foundation: Stewart Ridgeway, CPA, 459-4404

Military Affairs: Carlene Joseph, Harborstone Credit Union, (253) 983-8636

Aflac-Megan Casto4310 6th Ave SESuite BLacey, WA 98503Contact: Megan CastoCategory: Insurance AgencyPhone: (360) 705-8885Web: www.aflac.com

Prairie Hotel700 Prairie Park Lane SEYelm, WA 98597Contact: Leslie KochCategory: HotelsPhone: (360) 458-8300 Web: www.prairiehotel.com

Renewals–Thank You!2-4 Years:4thDimensionTechnologyInc.–Ignite!

InvestorFast TransactFisherJonesFamilyDentistry–Ignite!

InvestorHawks Prairie Rotary FoundationHometown Association Management, Inc.Northwest InfraredRanger / The Northwest AirlifterSkookum Educational ProgramsTheCreativeOffice–Spark!Investor

5-9 Years:Bliss & Skeen, Certified Public

AccountantsNicholson & Associates InsuranceTAGSAwards&Specialties–Ignite!

InvestorTarget Import Center-WashingtonWeinand Financial

10-14 Years: Berschauer Phillips Construction Co.Moss OrthodonticsMountain View Veterinary HospitalMVP AthleticVirgil Adams Real Estate - Al Eckroth

Over 15 Years! Adams & SchefterAhlf Law OfficeMikar- Mike’s Auto and ElectricMorningsideO Bee Credit UnionOlympiaFederalSavings–Ignite!InvestorPrime Locations, Inc.


Chamber Events (continued)

Kidwiler Scholarship Fund Thank Yous

The Lacey Chamber would like to thank these member businesses who donated raffle prizes to benefit the Kidwiler Scholarship at the September 2010 Forum:

94.5 ROXY A Steve’s Professional Truck Mounted Steam CleaningApex KartingBudd Bay Embroidery & Specialties, IncCabinets by TrivonnaChris Lester Insurance ServicesEdward Jones-Jeff KoppFASTSIGNSGo Small BizOccasions Catering Pardiman ProductionsProfessional Temp Staffing AgencyTammy Redman - Business Growth StrategistThe Ram Restaurant & BreweryWhimsical Photo Design

Thank You for Your Continued Support!

October 26, Tuesday—5:01 Surge Fisher Jones Family Dentistry 2415 Pacific Avenue SE 5:01 p.m.-7:00 p.m.

October 27, Wednesday Executive Meeting 8:30 a.m. Board Meeting 9:30 a.m. Chamber Conference Room

Thank you to those who worked our booth at the 9th Annual Lacey Summer’s End Car Show. We appreciate your dedication and support of the Lacey Chamber!

John Blankenship, Visitor & Convention Bureau

Barbara St. John, Harborstone Credit Union

Mike Wolfe, Mutual of Omaha Insur-ance

Thank You!

Chris Lester Insurance Services

Chamber EventsFor all events, please RSVP to [email protected] or call (360) 491-4141.

October 4, Tuesday—BBQ Committee Meeting 4:00 a.m. Chamber Conference Room

October 6, Wednesday—Forum

Registration begins at 11:30, program begins at noon Saint Martin’s Worthington Center Topic: Employment Law Members$18,guests$25 Please pre-register online at laceychamber.com

Thank you to our Media Sponsors: Chris Lester Insurance Services

October 8, Friday—Government Affairs Meeting 11:30 a.m. Panorama–ChambersHouseRestaurant 1751 Circle Lane SE

October 12, Tuesday—Military Affairs Meeting 7:30 a.m. Hawks Prairie Restaurant 8306 Quinault Dr. NE

October 12, Tuesday—Auction Committee Meeting 2:00 p.m. Chamber Conference Room

October 16, Saturday—Auction—Spotlight on Cinema

Doors open at 5:30 p.m. Saint Martin’s Worthington Center

October 20, Wednesday—ROXY Connector Business Roundtable 8:00 a.m. River’s Edge Restaurant 4611 Tumwater Valley Dr. SE

October 20, Wednesday—Fundraising Committee Meeting 2:00 p.m. Chamber Conference Room

October 26, Tuesday—Ambassador Meeting 12:00 p.m. (noon) Dirty Dave’s Pizza 3939 Martin Way


The Lacey Chamber of Commerce 8300 Quinault Dr NE, Suite ALacey, WA 98516

Phone: (360) 491-4141Fax: (360) 491-9403Email: [email protected]: www.laceychamber.com

CHANGE SERVICE REQUESTED

PRSRT STDU.S. Postage Paid

Olympia, WAPermit No.60

Mike Wolfe

Linda Jensen, CLU ChFC [email protected]

www.acps�nancial.com

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