Possible Relief Ahead for Homeowners and ... - LIRealtor.com

JANUARY/FEBRUARY 2009 

2008 LIBOR CHAPTER 

ACKNOWLEDGEMENTS & 

2009 INSTALLATION EVENT 

COVERAGE...PAGE 10 

PRESORTED 

STANDARD U.S. 

POSTAGE 

PAID 

LIC NY 11101 

PERMIT NO. 808 

CIRCULATION 21,000 

The Voice for Real Estate OFFICIAL PUBLICATION OF THE LONG ISLAND BOARD OF REALTORS, INC. www.mlsli.com 

Possible Relief 

Ahead for Homeowners 

and REALTORS® 

This year will surely be remembered as historic 

with the recent inauguration of President 

Barack Obama and for what we hope will be 

a banner year legislatively for Long Island, 

New York City and the entire state. 

President Obama has already promised to 

work with Congress to decrease the number 

of foreclosures by helping to lower mortgage 

payments for responsible homeowners. 

Foreclosure prevention and increasing the 

number of jobs are critical to housing and 

economic recovery. Bringing back buyers to 

the market will reduce inventory and stabilize 

home prices. 

Proposed relief programs are already 

being discussed at various levels of government. 

Senator Charles Schumer, a member 

of the Senate Finance Committee, is pushing 

for federal grants for schools as part of the 

economic stimulus package working its way 

through Congress. The package may include 

$6.4 billion for New York schools to help 

financially strapped school districts avoid 

increasing property taxes or cutting programs. 

Schumer said the stimulus package 

may also include aid to states, funding for 

infrastructure projects and tax cuts of about 

$1,000 aimed at middle-class taxpayers. The 

By Tricia Chirco 

Marketing & Communication Director 

The Long Island Board of REALTORS®, 

Inc. has recently launched a new Realtors 

Only website — LIRealtor.com. The site 

will focus on delivering members a more 

user friendly website with timely, valuable 

information. Lirealtor.com will be replacing 

the REALTORS ONLY website permanently 

in the beginning of February. Members 

that click on the REALTORS ONLY tab 

from the Stratus home page or through the 

REALTORS ONLY tab on the mlsli.com 

homepage, will be automatically sent to the 

new lirealtor.com homepage. 

The new LIRealtor.com website includes 

features such as: 

• LIBOR and MLS Top Stories, Updates, 

and Alerts 

• Daily news feeds from Inman News and 

package could land on President Barack 

Obama’s desk by mid February. In response 

to this proposal, Gov. David Paterson said if 

the federal money materializes, he might not 

have to raise taxes and fees as part of his 

$121 billion state budget proposal. 

While NAR is pleased that Congress and 

the Obama administration are working to 

ensure that any additional Troubled Asset 

Relief Program initiatives or economic stimulus 

package include provisions to stimulate 

home sales, prevent foreclosures and restore 

confidence in the housing market, NAR will 

continue its push for a comprehensive housing 

strategy. 

NAR recently expressed support for 

Chairman Barney Frank’s, (D-MA) proposal, 

H.R. 384, the TARP Reform and 

Accountability Act. This bill contains key 

components of NAR’s Housing Stimulus 

Plan, including enacting a mortgage buydown 

program to reduce interest rates below 

prevailing rates, increasing foreclosure prevention 

and mitigation efforts, and providing 

needed liquidity to the residential and commercial 

mortgage markets to ensure that 

financing is available. 

Realtors® pledged to work with Congress 

Newsday 

• Keyword Search 

Capability to look for 

current and archived articles 

of interest 

• An easy to view — 

Calendar of Events 

• Direct Access to 

Stratus 

• Online Bill Pay 

Button 

LIBOR President, 

Buddy Hoosein, said, 

“LIBOR’s membership is 

over 20,000 Realtors®; 

consequently it is necessary 

for us to keep up 

with today’s technology advancements in 

terms of the way we communicate. Our new 

web site is user-friendly and easy to navigate 

and is the primary tool for communication to 

and the administration to pass an economic 

stimulus plan that is expected to include 

many components championed by NAR to 

improve housing. NAR is pleased that eliminating 

the repayment feature of the firsttime 

home buyer $7,500 tax credit will be 

addressed in this proposal. However, we still 

are working to have the credit expanded to 

all home buyers, and to extend the program 

through December 31, 2009. NAR is also 

working to ensure that any stimulus legislation 

reinstates the higher 2008 mortgage 

loan limits for FHA, Fannie Mae and 

Freddie Mac. These actions will have a 

meaningful impact on the housing market 

and will help protect home values. 

New York City will benefit from $24 million 

in federal emergency assistance to buy, 

renovate and resell 115 foreclosed homes. 

The funding was recently announced as 

Mayor Michael Bloomberg and Federal 

Housing Secretary Steve Preston kicked off 

a national campaign urging homeowners at 

risk of foreclosure to call for help before losing 

their homes. The Neighborhood 

Stabilization Program will begin renovating 

homes in Staten Island, Queens and the 

Bronx. Troubled homeowners in need of 

assistance should call 311 or 877-HUD- 

1515. 

Locally, the Long Island Congressional 

delegation is asking for additional funding in 

the hopes of increasing the sewer capacity in 

our region, which is critical to facilitate more 

housing and rental developments with higher 

density units. Sewage projects, like these, 

will afford us additional homeownership and 

rental opportunities as well as more jobs. 

LIBOR Launches New Member Site — LIRealtor.com 

all Long Island Realtors®.” Hoosein encourages 

all LIBOR members to visit the new 

member website everyday to stay on top of 

industry related issues and events. 

2008 Long 

Island Average 

Home Prices 

Off by 6.4% 


Marketing & Communication Director 

In January, the Multiple Listing 

Service of Long Island, Inc. (MLSLI) 

released the latest 2008 Housing 

Figures for Long Island. Year-end figures 

released by the MLSLI show a 

significantly lower price decline year 

to date then other areas of the country. 

According to MLSLI the 2008 Average 

Home Price for Long Island, which 

includes Nassau, Suffolk and Queens, 

was $482,526. This figure is 6.4 percent 

lower than 2007 when the 

Multiple Listing Service of Long 

Island, Inc. reported an average sales 

price of $515,539 for Long Island. 

Nassau, Suffolk and Queens counties 

all reported lower prices in 2008 

when compared to a year ago. Suffolk 

County reported a year ending average 

home sale price of $430,241, which is 

7.6 percent lower than $465,458 reported 

for 2007. In Nassau County, the 

2008 average sale price for a home 

was $573,615, representing a 3.9 percent 

decrease from 2007. Queens 

County experienced the largest decline 

in terms of 2008 average home prices 

with a reported figure of $437,553, 

which is 9.1 percent less than 2007. 

December 2008’s residential inventory 

levels reported on the MLS of 

Long Island was at 30,552, which was 

virtually unchanged compared to 

December 2007’s figure of 30,854, a 

positive sign that the market is stabilizing. 

Joseph Mottola, CEO of 

LIBOR/MLSLI says, “A combination of 

stable inventory, a more realistic 

approach to asking prices and readily 

available financing at very favorable 

rates, bode well for Long Island to 

return to normal market conditions.‰ 

Looking at the national picture, 

Lawrence Yun, NAR chief economist, 

said he expected a decline in year-end 

housing figures as consumer confidence 

has been considerably weakened 

by mounting job losses and weak 

(Continued on page 4)

* Figure based on the Keller Center for Research at Baylor University, 2008. 

THE REALTOR ® ● January/February 2009 ● 2 

www.mlsli.com 

IN THE NEWS 

RELIEF AHEAD FOR 

HOMEOWNERS AND 

REALTORS 

With the recent inauguration of 

President Obama, hope is high for a 

banner year legislatively for Long 

Island and the state. . . . . . . . . . P1 

2008 HOME PRICES OFF 

BY 6.4% 

Year-end figures released by the 

MLSLI show a significantly lower 

price decline year to date than other 

areas of the country . . . . . . . . . P1 

LIBOR LAUNCHES 

NEW MEMBER SITE 

LIBOR launches a new Realtors 

Only website – LIRealtor.com, which 

focuses on delivering members a 

more user friendly website with timely, 

valuable information . . . . . . . . P1 

NEW LISTING 

AGREEMENTS NOW 

AVAILABLE 

There are now three versions of the 

Listing Agreements available for 

residential and condo-coops . . P2 

NAR LAUNCHES NATIONAL 

PUBLIC CAMPAIGN . . . . . P2 

LIBOR CHAPTER 

ACKNOWLEDGEMENTS 

& INSTALLATION 

PHOTOS . . . . . . . . . . . . . . . P10 

President’s Message — 

LIBOR Agenda for 2009 . . . . . P3 

From Where I Sit. . . . . . . . . . . P4 

WCR Update. . . . . . . . . . . . . . P6 

OUTREACH Projects — “We’re 

More Than REALTORS®” . . . . P6 

Chapter & Division Report . . . . P7 

MLS News — Making the Right 

Decision to Adopt Change . . . . P8 

Technology— Revolutionize Your 

Business . . . . . . . . . . . . . . . . . P9 

This & That. . . . . . . . . . . . . . P12 

RPAC. . . . . . . . . . . . . . . . . . P14 

Commission Escrow Act Training 

Programs Now Available . . . . P15 

Ethics This Month . . . . . . . . . P15 

Education Opportunities . . P16-17 

Professional Services 

Directory. . . . . . . . . . . . . . . . P18 

New Listing Agreements Now Available 

The new listing agreements have arrived 

and are available at each of the Service 

Centers. The Supply Order Form has also 

been revised for your convenience when 

placing your order. 

There are now three versions of the 

Listing Agreements* (page 2) available for 

residential and condo-coops for the Broker 

to choose from. They are as follows: 

1) (LI-C) The existing listing agreement 

dated 3/2007 has not changed and is still 

available for your use. 

2) (LI-CEA) This new listing agreement 

incorporates the language necessary 

to comply with the new Commission 

Escrow Act (CEA). Paragraph 16 — 

ARBITRATION and Paragraph 17 — 

ESCROW AND RECOVERY OF FEES 

contained in the (LI-C) listing agreement 

is NOT included in this new listing agreement. 

Paragraph 16 has been changed to 

include the mandatory disclosure language 

that is required under the new 

Commission Escrow Act. 

This form includes the mandatory disclosure 

language required by the Commission 

Escrow Act. If you want to take advantage 

of the benefits of the Act the first step is to 

have a listing agreement that contains this 

mandatory language. However, there are 

many other steps you must follow to fully 

comply with the Act. Following are some 

of those steps: 

1) The listing agreement must clearly 

state the address at which the owner resides. 

2) Once the broker has earned their commission 

by procuring a buyer, and there is a 

signed contract, the broker must file an 

Affidavit of Entitlement with the County 

Clerk’s office where the real property is 

located. The Affidavit must be filed after 

the contract is signed and before the closing. 

Within 5 business days (excluding 

Saturday, Sunday, and public holidays) of 

filing the Affidavit of Entitlement, the broker 

must serve a copy of that document on 

the owner. The Affidavit of Entitlement can 

be found on “Documents on Demand” section 

of mlsli.com, form #222 or 223. 

3. (LI-CEA-ARB) This listing agreement 

is the same as (LI-CEA) above, 

except that the ARBITRATION paragraph 

that is included in the (LI-C) has been 

added to this listing agreement so that you 

have the option of arbitration in the event 

The National Association launched this 

year’s $25 Million Dollar public relations 

campaign on January 12, 2009. NAR 

established the Public Awareness 

Campaign over ten years ago to convince 

home buyers, sellers and investors about 

the value of working with a REALTOR®. 

Last year, the campaign expanded its messages 

to educate consumers about the benefits 

of homeownership and buying opportunities 

in a changing real estate market. 

The 2009 Public Awareness Campaign 

commercials focus on motivating buyers 

into the market. New TV ads, in tandem 

with new radio spots and print materials, 

explain the buyer opportunities available in 

many of today’s real estate markets, convey 

the financial and social benefits of owning a 

home, and continue to emphasize the 

importance of working with a REALTOR®. 

the Broker waives his/her rights under the 

CEA for any reason. The steps outlined in 

the Q&A referred to above must still be followed 

to take advantage of the Commission 

Escrow Act. 

GO TO MLSLI.COM AND CLICK IN 

THE LARGE BOX IN THE MIDDLE OF 

THE HOME PAGE FOR A COMPRE- 

HENSIVE Q&A REGARDING THE 

With this New Year comes 

change. The good news is that 

change brings opportunity and 

makes us think about the way 

we can get things done. The 

reality in the world of communication 

is that now people 

enjoy checking their news 

online about as often as those 

people who prefer to read a 

printed paper copy. Being sensitive to 

change, and both these populations, we 

will begin publishing “The REALTOR®” 

paper in print six (6) times a year and will 

publish a new online paper four (4) times 

a year. The first issue of the online version 

of “The REALTOR®” paper will be published 

in late February and will mirror the 

print edition in terms of content. The 

online version will contain all of the same 

features and contributors articles you are 

currently enjoying in the print version. 

The online REALTOR® will also contain 

advertising opportunities. Watch for 

updates on the launch of this exciting new 

communication vehicle in your email and 

on lirealtor.com in the coming weeks. 

Like many of you — we are faced with 

the challenge to do more with less in 2009. 

As a result, we will be making minor 

changes to the format of the paper that will 

allow us to publish the printed REAL- 

TOR® more cost effectively. 

Unfortunately, the ad sales revenue that 

has supported the paper for several years 

now has drastically been reduced as a 

result of the economic downturn. By 

implementing the following subtle 

changes to the paper, we can minimize the 

NAR Launches National 

Public Relations 

Campaign Targeting 

LETTER FROM THE EDITOR 


Newsday has continued to 

support the NAR PR Campaign, 

through its relationship with 

Long Island Board of REAL- 

TORS, and have been placing 

free ads weekly since last Spring 

in the Sunday Life Section of the 

paper to support the ads message. 

The ads were created especially 

for LIBOR and the Board 

is noted on the bottom of each 

copy. Ads are placed by 

Newsday wherever space allows 

and is used as regional filler. 

For more information and to 

download any of the PR materials, 

Realtors® can visit realtor.org 

and visit the Public 

Relations Campaign section. Also available 

on the website is a complete media schedule 

COMMISSION ESCROW ACT. THERE 

YOU WILL FIND ALL THE NECES- 

SARY STEPS THAT YOU MUST DO TO 

COMPLY WITH THE ACT. 

Copies of all three Agreements may be 

found on “Documents on Demand” section 

of mlsli.com under MLS forms. 

*The Property Data Section (page 1) has 

not changed. 

effects of the lost revenue without 

compromising the quality of 

the paper: we have reduced the 

size of the paper to twenty (20) 

pages, we have added a new 

affordable advertising venue — 

the Professional Service 

Directory at the back of the 

paper, and we will be running 

more black and white pages in 

each issue and somewhat less color. 

Having to do more with less has also 

prompted a change in the ad sales department. 

All ad sales and creative functions 

will now be handled in-house at the 

Board. Donnalee Wimmers will be 

responsible for sales and service to all current 

and future advertisers. Donnalee is 

reachable at 631-661-4800 Ext. 348 and if 

anyone needs information on placing an 

ad in the paper, or needs help with creating 

an ad to be placed, don’t hesitate to contact 

her. Taking the advertising function 

in-house has also allowed us to pass on 

considerable savings to our advertisers 

this year. Print ad prices have been 

reduced by as much as 20 percent this 

year, making it more affordable for you to 

get noticed by our thousands of readers. 

I am looking forward to an exciting 

year of communication. With the launch 

of the new Realtor website lirealtor.com 

and the new online REALTOR® 

“paper”, we are able to deliver important 

industry news and updates to you more 

effectively and efficiently. Thank you for 

your continued interest in “THE REAL- 

TOR®” paper and I wish you all a very 

healthy and prosperous new year. 

If you’re ready to buy a home, many signs point to favorable buying conditions: mortgages are available, affordability has 

improved, home choices are abundant and interest rates are low. Even better, 8 out of 10 economists agree that home prices will rise 

in the next five years. Which means getting in on the ground floor before prices begin to rise is a smart move. 

Homeownership is an investment in your future. Work with a REALTOR ® who can explain options that best fit your situation. 

To learn more, visit HousingMarketFacts.com. 

©2009 National Association of REALTORS ®. 

8 OUT OF 10 ECONOMISTS BELIEVE HOME PRICES 

WILL RISE IN THE NEXT 5 YEARS. * 

EVERY MARKET’S DIFFERENT, CALL A REALTOR ® 

THE OTHER TWO ARE LIFE-LONG PESSIMISTS. 

TODAY. 

Sample of NAR 2009 Print Ads 

of when and where the TV and radio ads 

will be running throughout the year.

LONG ISLAND BOARD OF 

REALTORS®, INC. 

2009 OFFICERS 

PRESIDENT Buddy Hoosein 

PRESIDENT-ELECT Kathy Engel 

VICE PRESIDENT-NASSAU Donald Scanlon 

VICE PRESIDENT-SUFFOLK Mary Alice Ruppert 

VICE PRESIDENT-QUEENS Moses Seuram 

TREASURER Liz English 

SECRETARY Bettie Meinel 

CHIEF EXECUTIVE OFFICER Joseph E. Mottola 

PUBLISHER Joseph E. Mottola 

EDITOR Patricia Chirco 

EDITOR’S ASSISTANT Christina DeFalco 

PRODUCTION & PRINTING 

DSI Design Group 

252 Sea Cliff Avenue, Sea Cliff, NY 11579 

516-676-6089 • Fax 516-676-4769 

Christopher Meadows, President 

ADVERTISING SALES 

Donna Lee Wimmers • 631-661-4800 Ext. 348 

CONTRIBUTORS 

Buddy Hoosein, President, LIBOR 

Howard Goldson, Esq., Goldson, Nolan, Connolly, 

Nasis & Dornfeld, P.C. 

Frank Urso, President, MLS 

Randy L. Kaplan, Director Government Affairs 

Pat Levitt, RPAC Co-Chairperson 

Charlotte Van der Waag, WCR President 

Linda Bonarelli, Professional Standards Committee 

Dana Nowick, Product & Services 

Official Publication Of The 

LONG ISLAND BOARD OF 

REALTORS®, INC. 

The Long Island Board of 

REALTORS® is a non-profit 

organization formed for 

REALTORS® for the betterment 

of their communities, their 

profession, and their livelihood. 

The REALTOR® is published by the Long 

Island Board of REALTORS®, located at 300 

Sunrise Highway, West Babylon, NY 11704, 

and is published bi-monthly, January/February, 

March/April, May/June, July/August, 

September/October and November/December. 

Application to mail at periodicals postage rate 

is pending at Babylon, New York. 

POSTMASTER: 

Please send address changes to: 

The REALTOR® 

300 Sunrise Highway 

West Babylon, NY 11704 

The REALTOR® and its publisher, The Long 

Island Board of REALTORS®, in accepting 

advertisement in this publication, make no 

independent investigation concerning the services 

or products advertised, and they neither 

endorse nor recommend the same nor do they 

assume any liability thereof. 

REALTOR® is a federally 

registered collective membership 

mark which identifies a real 

estate professional who is a 

Member of the NATIONAL 

ASSOCIATION OF REALTORS® 

and subscribes to its strict code of ethics. 

LONG ISLAND BOARD OF REALTORS®, INC. 


West Babylon, NY 11704 

(631) 661-4800 • (718) 739-8700 

Website: www.mlsli.com 

Email: pr@mlsli.com 

INSURANCEPlus 

H EALTH I NSURANCE 

for Small Business & the Self-Employed 

PRESIDENT’S MESSAGE 

By Buddy Hoosein, LIBOR President 

Agenda for 2009 

1. A youth academy to transition our 

youths unto leadership roles, as I have 

discovered the more you serve this Board, 

the more you’ll want to serve. 

2. The Green Committee to bring awareness 

to the members and consumers 

the plight of planet 

earth and make a difference. 

3. We will continue to 

embrace with passion 

Realtors Against Hunger and 

lead by example that “We’re 

More Than Realtors.” 

4. Education Designation 

to empower our members, 

thus enabling them to survive in these 

present market conditions. 

It is with utmost pride, yet with great 

humility, that I assume the Presidency of 

this prestigious organization. It is a great 

honor and distinct privilege to serve as 

your President for 2009. 

Indeed, you have bestowed upon me a 

distinct honor and confidence, which will 

forever be etched in the mirror of my soul. 

Together, we have crossed the threshold, 

and overcome boundaries. You have 

chosen me, to borrow a phrase from our 

American icon, the Rev. Martin Luther 

King Jr. “Not because of the color of my 

skin but by the content of my character.” 

I will never forget your kind consideration 

because you have sent the message 

that the attainment of the American 

Dream is alive in LIBOR, not only in the 

way we provide real estate services to all, 

regardless of class, creed or color but by 

the way we elect our leaders. 

On November 20, 2008 we gathered to 

break bread and celebrate our success, 

install our new leadership and learn from 

our failures and hope that the future will 

be brighter an better today than yesterday. 

I promise to bring the leadership and 

passion needed to serve members of this 

Board in these trying times, fully aware 

that I will not be remembered for the 

things I do or the things I say, but for the 

“Let’s enter 

this new year 

with 

aspirations and 

hope.” 

way I make people feel. 

Now more than ever, we must sustain 

LIBOR’s strong financial position to 

ensure that it is well positioned to serve our 

members in the future even better than we 

have in the past. 

As a Broker for 24 years and 

a Board Officer for the past 

four years, I understand the 

financial impact of the decision 

we must make and 

proud to have participated in 

the actions that have given us 

the sound financial basis we 

have built. 

I believe that our challenges and our 

opportunities have never been greater. I 

promise to continue, as President, the 

progress we have made in building a legacy 

of financial soundness and prudence that 

will allow us to continue the programs and 

services that deliver value to our members, 

and that which distinguishes us from others. 

I hope you will join me in working to 

help LIBOR meet these important goals 

and I look forward to serving you as 

President in 2009, because we must meet 

new challenges and find common solutions 

together. 

Who we are today is the cumulative 

effect of all that we’ve done in the past. If 

we are not who we thought we’d be or 

where we hoped to be, then we should do 

something about it. 2008 presented its 

share of challenges. There was the loss of 

loved ones, lost opportunities and in some 

cases hope. But along came 2009 with a 

welcomed freshness. 

Let’s enter this new year with renewed 

aspirations and hope. Pursue the greatness 

that comes from helping others solve 

their problems so that you may eventually 

solve yours. Enjoy each day to the 

fullest and embrace life. 

Have a healthy and successful 2009! 

3 ● January/February 2009 ● THE REALTOR ® 

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LIBOR NEWS 

FROM WHERE I SIT 

By Joseph E. Mottola, Chief Executive Officer 

The Board, with its newly elected officers 

and Directors has just began its work 

in a challenging time and market for our 

industry. It’s a good idea for an organization 

to periodically examine itself with 

respect to its Governance. By 

Governance, I mean the structure 

of its Board of Directors, 

Executive Committee and in 

general how the Board is 

made up. 

Presently the Directors are made up of 

the Officers, eight directors at large from 

each County, two directors from each 

Chapter, Past LIBOR Presidents and a 

Realtor representative from each of the 

Divisions. This would include Women’s 

Council, Appraisal, LI Commercial 

Network, LI Credit Union and MLSLI. 

Four years ago, A Task Force reviewed 

our structure and made some changes 

including a second representative from 

each Chapter, automatically seating Past 

Presidents willing to serve and revised 

attendance requirements. Recent discussions 

about some of these issues have 

convinced us that it’s time to undertake 

the process again. 

Looking at Governance is not a simple 

task. Many Boards have moved toward 

giving automatic seats to representatives 

from the largest firms or seats based upon 

the amount of business a firm does. Across 

the country we are seeing more of this. The 

“Looking at 

Governance is not 

a simple task.” 

philosophy is that Realtors who are actually 

doing the business should have a more 

significant role than those who aren’t. Very 

sensitive issue as you might imagine. 

The number of Directors is always an 

area of discussion. Long 

Island has always had the 

largest Board of Directors in 

the country. Would a smaller 

Board be more responsive? 

Certainly Boards of Directors 

elsewhere function well with significantly 

less Directors. On the other hand, does 

a larger Board of Directors insure better 

representation? It should if it’s structured 

right. 

Perhaps “At large” Directors from each 

country should be changed to representation 

by number of Chapter members. This 

way you could guarantee better geographic 

representation. Injecting “new blood” is 

always brought up but to do that you might 

have to assure there’s openings. That leads 

to discussion about “term limits” which 

leads to discussions about moving people 

out who may have significant and valuable 

experience that you wouldn’t want to lose. 

Moving forward, I would hope that we 

could reexamine many of these things. We 

want to insure that the LI Board has a governing 

structure that best serves the interests 

of a membership which is diverse not 

only geographically and culturally but in 

business operating philosophies as well. 

LIBOR Leadership Attends Dr. Martin 

Luther King, Jr. Celebration 

THE LONG ISLAND BOARD OF REALTORS, INC. 

EXECUTIVE PLANNER 

FEBRUARY 2009 

2/11— Wednesday 

NASSAU NORTH SHORE CHAPTER 

8:30am — Networking Breakfast. Milleridge 

Inn, 585 North Broadway, Jericho. Guest 

speaker: Don Scanlon, LIBOR 

Instructor/VP-Nassau County, “The State of 

LI Real Estate & What You Can Do...How It 

Affects Us”‰ Cost: $25.00 per person. 

RSVP: Julie Blaker @ 516-677-0030. 

2/11– Wednesday 

MLS EXECUTIVE COMMITTEE 

9:00am — REALTOR BUILDING, West 

Babylon — 2nd floor Conference Room. Staff 

liaison: Lisa Gonzalez @ LIBOR ext. 350. 

2/12 — Thursday 

LIBOR EXECUTIVE COMMITTEE 

9:00am — REALTOR BUILDING, West 

Babylon — 2nd floor Conference Room. Staff 

liaison: Lisa Gonzalez @ LIBOR ext. 350. 

2/12— Thursday 

LIBOR/MLS ORIENTATION 

8:30am — REALTOR SERVICE CENTER, 

West Babylon— Classroom B. Staff liaison: 

Debbie Franco @ LIBOR ext. 364. 

2/16/09 — Monday 

PRESIDENTS’ DAY OBSERVED — 

ALL BOARD OFFICES CLOSED 

2/18 — Wednesday 

MLS BOARD OF DIRECTORS 



Lisa Gonzalez @ LIBOR ext. 350. 

2/19 — Thursday 

LEGISLATIVE COMMITTEE 



Maryann Horan @ LIBOR ext. 354. 

2/20 — Friday 

WESTERN QUEENS CHAPTER 

9:00AM — Networking Breakfast Program. 

Details to follow.. For more information, 

call Joseph Abramaitis @ 718-779-1111. 

2/24 — Tuesday 

CREDIT UNION BOARD OF DIRECTORS 


West Babylon— Upper Classroom. Staff 

liaison: Luisa Harman @ LIBOR ext. 371. 

2/24 — Tuesday 

LONG ISLAND COMMERCIAL NETWORK 

8:00AM — Networking Breakfast & 

Marketing Session — On Parade Diner, 

APPRAISAL DIVISION 

www.liborappraisals.com 

CENTRAL NASSAU CHAPTER 

http://centralnassau.lirealtor.com/ 

EASTERN SUFFOLK CHAPTER 

http://easternsuffolk.lirealtor.com/ 

HUNTINGTON TOWNSHIP CHAPTER 

http://huntingtontownship.lirealtor.com/ 

JAMAICA CENTRAL QUEENS CHAPTER 

http://jamaicacentralqueens.lirealtor.com/ 

LONG ISLAND COMMERCIAL NETWORK 

http://licn.lirealtor.com/ 

NASSAU NORTH SHORE CHAPTER 

http://nassaunorthshore.lirealtor.com/ 

NASSAU SOUTHSHORE CHAPTER 

http://nassausouthshore.lirealtor.com/ 

NORTHEAST QUEENS CHAPTER 

http://northeastqueens.lirealtor.com/ 

SUFFOLK NORTH SHORE CHAPTER 

http://suffolknorthshore.lirealtor.com/ 

SUFFOLK SOUTH SHORE CHAPTER 

http://suffolksouthshore.lirealtor.com/ 

WESTERN QUEENS CHAPTER 

http://westernqueens.lirealtor.com/ 

WOMEN’S COUNCIL OF REALTORS 

http://wcr.lirealtor.com/ 

7980 Jericho Tpke., Woodbury. Don’t forget 

to bring plenty of business cards, your 

property data sheets, your ‘haves & wants’ 

& an associate to expand your network!! 

Cost: $15.00 Sponsors & LICN Members, 

$20.00 Affiliates, $30.00 Guests & Nonmembers. 

For more information, call 

Gabor Karsai @ 516-359-8028. 


LIBOR BOARD OF DIRECTORS 



Lisa Gonzalez @ LIBOR ext. 350. 


PROFESSIONAL STANDARDS 

COMMITTEE 



Judy Becker @ LIBOR ext. 388. 

MARCH 2009 


WOMEN’S COUNCIL OF REALTORS 

9:00AM — Joint Networking Meeting with 

HUNTINGTON TOWNSHIP CHAPTER.. 

Details to follow.. For more information, 

call Charlotte Vanderwaag @ 516-248-9494. 

Visit our website: http://wcr.lirealtor.com/ 


NORTHEAST QUEENS CHAPTER 

9:00AM — Networking Breakfast Program. 

Details to follow... For more information, 

call Eddie Saeed @ 718-670-0923. 

The Dr. Martin Luther King, Jr. Birthday Celebration Committee of Nassau County 

Inc. held its 24th Annual Dr. Martin Luther King Jr.'s Birthday Celebration on 

January 19th at the Marriott Hotel in Uniondale. This celebration is held to honor 

Dr. King's dreams; that people live in peace and love with the opportunity to pursue 

a decent and fruitful life. Pictured at the luncheon are (l-r) Gail Bishop, Chair of 

LIBOR’s Fair Housing & Cultural Diversity Committee; Marian Fraker-Gutin, Chair 

of LIBOR’s Legislative Committee; Nassau County Executive Tom Suozzi; Kathy 

Engel, LIBOR President-Elect and Buddy Hoosein, LIBOR President. 

2008 Long Island Average Home 

Prices Off by 6.4% (Continued from page 1) 

consumer confidence that has deterred 

home buyers from making their purchase. 

He believes a real estate-focused stimulus 

plan is urgently needed to help turn things 

around. Yun said, “The outlook for 2009 

will depend heavily on the stimulus package. 

With a proper real-estate focused 

stimulus measure, home sales could rise 

more than expected, by more than 10 percent 

to 5.5 million in 2009, and easily 

begin to stabilize home prices in many 

parts of the country. Stable home prices 

will, in turn, lessen foreclosure pressures 

and lay the foundations for a solid economic 

recovery as the nation’s 75 million 

homeowners regain confidence.‰ 

MEETINGS & EVENTS: For all Special Events & Chapter information, call CONNIE AIELLO, LIBOR 

CHAPTER LIAISON @ 631-661-4800 ext. 361. All Chapter Meetings & Events are posted online on each 

chapter website. Go to www.libor.com/chaptermeetings.cfm. Chapter/Division meetings available on 

STRATUS — click on MLS/LIBOR EVENTS CALENDAR on the INFO CENTER PAGE. 

LIBOR MEMBERS ONLY MAY REGISTER & PREPAY ON-LINE LIBOR members only may register & 

prepay ON-LINE for chapter/division meetings & events! Go to: www.mlsli.com/chapterreg/meetings.asp. 

VISA, MASTERCARD, AMEX & DISCOVER accepted. 

NOTE: On-line registration CLOSED at 4:00PM on the previous business day before this event. 

Sign Codes Now Available Online at 

LIREALTOR.com 

Please note that Town Codes for “signs” 

in Nassau, Suffolk and Queens will be posted 

shortly on LIREALTOR.COM. This 

information is located directly below the 

“Rental Permit” section of Town 

Codes. Here is the address: 

http://www.lirealtor.com/ro/legislative/loca 

l_town_codes.cfm. 

The information posted includes the sign 

ordinance regulations on directional signs, 

for sale signs, for rent signs, etc. and in 

some cases — the amount of the fine if you 

do not comply with the laws. 

Some towns are stricter than others in the 

enforcement of their sign laws. Fines vary 

and are up to a judge in that particular Town 

or Village. 

For further information please contact 

Philip Weiden, LIBOR’s Legislative 

Liaison. Pweiden@lirealtor.com

Joe Moshé 

“2009” 

MAKE THIS YEAR THE BEST 

YEAR YOU EVER HAD! 


Keep 100% of Your Commission 

We Offer a Great Broker/Sales Agent Program 

Pay only $39.00 a month and only a $330.00 

Administrative Transaction Fee after each closing. * 

“NO ADDITIONAL COSTS” NONE!! 

We welcome experienced, 

high performance agents 

and new agents. 

• Members of LIBOR (MLS) 

• Free telephone and computer usage 

• Free E&O insurance 

• Courteous secretarial staff 

• Co-op Advertising 

• YOU WILL GET MORE LISTINGS 

• Always keep your listings 

• Broker and staff do not compete 

• Work your own hours, in any town 

• Training sessions 

* $330 on the Buy and Sell 

Some of the Agents 

Who Have Joined Us! 

VINCENT 

MARTINELLI 

(formerly of 

Century 21 North End) 

(631) 774-8143 

LISA 

LEPORIN 


Remax Unlimited) 

(631) 241-9604 

WALTER 

SIEFERT 


Regent Realty) 

(917) 833-8661 

HEIDI 

LIPPACHER 


Realtor.com) 

(516) 662-8790 

We Get 100% of Our Commission 

24-hour hotline at 866 -200 -6204 or go to www.100percentcommission.com or call our office 516 -575-7500 

Long Island/Queens • Manhattan • Ft. Lauderdale • Clearwater • Orlando • Chicago


LIBOR NEWS 

Long Island Chapter 

WCR-NewYorkState.com 

By Charlotte Van der Waag, WCR President 

MISSION: We are a network of 

successful REALTORS empowering 

women to exercise their potential as 

entrepreneurs and industry leaders. 

I am proud and honored to serve as the 

2009 President of the Women’s Council 

of REALTORS®. We are part of a 

National Organization, and the 12th 

largest women’s organization in the 

country. We are fortunate to be a chapter 

and have the support of the Long Island 

Board of Realtors. 

Our first meeting on January 30th at 

the North Shore Towers will feature 

Joseph Mottola, CEO of LIBOR/MLS, 

who will present Industry Issues, Trends 

and Challenges. These are certainly 

timely topics and should be of help as we 

facilitate the moves of our customers and 

client and educate them as to the opportunities 

available to them. In addition 

there will be a panel of power agents 

spanning all three counties sharing their 

secrets to success in this market. 

Are you ready to tap into training, 

news and information that will keep you 

on top of a profession that’s changing 

every day? Are you ready to join the top 

individuals in the profession for networking 

opportunities you can use to 

take your business higher than ever 

before? Are you ready to become a 

member of the Women’s Council of 

REALTORS®? Now more than ever, 

membership in the Women’s Council of 

REALTORS® is the way to stay in front 

of a fast-changing market, increasingly 

savvy customers and tough competition. 

My vision for the year as President is to 

Are You Ready? 

bring value to the membership with programs 

that speak to the current marketplace. 

We will be reaching out to all 

REALTORS® in all three counties to 

develop a team spirit and participation 

within the membership so we can continue 

making our mission more of a reality. 

Lofty goals but definitely achievable when 

we join together and work side by side. 

We accomplish our mission through a 

series of nine quality programs and networking 

meetings. When evaluating the 

current economic challenges, it was 

decided to combine four meeting this 

year with other chapters. By doing so it 

decreases the REALTORS® costs, still 

allows us to present outstanding educational 

meetings and increase the number 

of people attending each program. In 

addition there will be two free members 

only meetings.. 

So if “You Are Ready” to plug into the 

power of your profession through networking 

and education we’d like to see 

you at the meetings scheduled for 2009. 

Please visit www.libor.com/wcr. for the 

full calendar of this years events. 

2009 WCR OFFICERS 

President: 

Charlotte Van der Waag 

President-Elect: 

Katy Anastasio 

VP Membership: 

Whitney LaCosta 

Secretary: 

Christine Jasinski 

Treasurer: 

Pat Erker 

THE LONG ISLAND BOARD OF REALTORS, INC. 

OUT EACH 

“We’re More Than REALTORS®...” 

The “We’re More Than Realtors...” 

(WMTR) public relations campaign 

began in 2006 and was created by the 

Long Island Board of REALTORS®, 

Inc. (LIBOR) Public Relations committee. 

The goal of the campaign is to create 

a more positive image of Realtors® by 

raising the public’s awareness about 

what Realtors® are doing in their community, 

in addition to helping them buy 

and sell homes. The 2009 LIBOR Public 

Relations Committee has their first 

meeting scheduled for January 29, 2009; 

look in the next issue for an overview of 

the year’s campaign. Here’s how the 

2008 committee wrapped up the year. 

2008 Suffolk County Realtor® Spirit 

Award Recipient Matthew Arnold chose 

to donate his $1,000 check to the Hospice 

Care Network’s Children’s and Family 

Bereavement Programs and Services. 

Pictured with Matthew (center) are Chris 

Court, Hospice CSN Special Events 

Coordinator, and Mary Gravina, HCN 

Vice President of Counseling Services. 

The Hospice Care network provides a 

caring and safe environment staffed by 

compassionate professionals and volunteers 

to help children through their period 

of bereavement. 

The beautiful sounds of barbershop 

harmonies filled the air when LIBOR 

sponsored a very special afternoon of 

music for the Huntington Senior Center 

featuring the popular Sweet Adelines. 

The program featured many selections of 

traditional holiday songs and tunes 

familiar to the Senior Center’s enthusiastic 

audience. The Sweet Adelines are a 

highly respected worldwide organization 

of women singers committed to advancing 

the musical art form of barbershop 

harmony through education and performance. 

are members of the Sweet 

Adelines with Realtors® (l-r) Cheryl 

Grossman, Pat Naples and Mary Fudens. 

LIBOR 2008 Chairperson Joe Sinnona 

presented a check to Maria Raffa Brown, 

Executive Director of Project Challenge 

of Long Beach; a community-based 

youth and family program that seeks to 

provide a safe haven for all. Their mission 

is to keep youngsters off the streets 

and away from difficult situations including 

drugs, alcohol, tobacco and gangs, by 

offering participants constructive activities 

that promote self-expression, foster 

community loyalty, and encourage individual 

and team level achievement. 

Overview of Governor Paterson’s 

2009-2010 Budget Proposal 

Gov. David Paterson has proposed his 

executive budget plan, which seeks to close 

a $15.4 billion two-year budget gap. In 

total, the budget spends $121 billion, a 1- 

percent increase over last year’s enacted 

state budget. It is important to note that the 

executive budget does not contain any proposal 

to increase the state’s transfer or 

mortgage recording tax. Below is a summary 

of some of the key real estate-related 

proposals put forth in the executive budget. 

As part of the plan to reduce spending in 

this year’s budget, Paterson proposed to 

eliminate the middle-class STAR rebate 

program. The elimination of the STAR 

rebate is only one piece of the larger STAR 

program, which will remain largely 

unchanged. In addition, the governor proposed 

to reduce the personal income tax 

credit for New York City taxpayers. 

The governor’s proposed budget would 

increase the state licensing examination fee 

for 16 disciplined professions licensed by 

the Department of State - including real 

estate salespersons, which has not been 

increased since 1989. Under the governor’s 

plan, the cost to take the salesperson 

exam would increase to $75 and the broker 

exam would increase to $125. The current 

fee to take either of these exams is $15. 

Although the budget plan does not 

include any broad-based tax increases, it 

does include new fees and hikes in current 

fines and fees, including an increase in the 

filing fee for a real property transfer report 

at the county clerk for residential and commercial 

property. The proposed budget 

would increase the filing fee for residential 

property from $75 to $125 and commercial 

property from $165 to $250. The fee for 

non-deeded transfers (cooperative housing) 

in New York City would also increase from 

$50 to $100. 

As budget negotiations begin to take 

shape at the Capitol, updates will be communicated. 

WELCOME 

NEW LIBOR AND MLS MEMBERS 

William J. Kelly 

Allison James Estates & Homes 

Pillar P. Kim 

NY Vest Realty Inc. 

Steven LoVerde 

Steven LoVerde, REALTOR 

Charles Manger 

Brown Harris Stevens W Hampton 

Eleni Moustakis 

Eleni Moustakis, REALTOR 

Abraham M. Myles 

Myles Realty 

Anthony P. Saravo 

Citiwide Real Estate & Mgmt Co. 

Shane Scott 

1st Decision Realty Inc.

LIBOR NEWS 

It’s the New Year, which means new 

resolutions and new opportunities to get 

motivated and grow your business. A 

great way to do that is by getting 

involved. By participating in your 

Chapters and Divisions, you will have the 

occasion to network with your peers, 

expand upon your business skills and support 

your community and local charities. 

The possibilities of what you will acquire 

are endless, don’t miss out! Here are 

some informative and exciting meetings 

that are planned for the month ahead. 

The NASSAU NORTH SHORE 

CHAPTER is having a networking 

breakfast on Wednesday, February 11th 

at 8:30am at the Milleridge Inn. Guest 

speaker: Don Scanlon, LIBOR 

Instructor/VP-Nassau County. Topic: 

“The State of LI Real Estate & What You 

Can Do ...How It Affects Us.” The cost 

is $25.00 per person. Please RSVP to 

Julia Blaker at 516-677-0030. 

The WESTERN QUEENS CHAPTER 

is having a networking breakfast program 

on Friday, February 20th at 9:00am. 

Details to follow. For more information, 

CHAPTER & DIVISION 

EVENT COVERAGE 

By Christina DeFalco 

Public Relations & Communications Specialist 

call Joseph Abramaitis at 718-779-1111. 

The LONG ISLAND COMMERCIAL 

NETWORK is having a networking breakfast 

and marketing session on Tuesday, 

February 24th at 8:00am at the On Parade 

Diner in Woodbury. Don’t forget to bring 

plenty of business cards, your property data 

sheets, your ‘haves and wants’ and an associate 

to expand your network!! The cost is 

$15.00 for sponsors and LICN Members, 

$20.00 for affiliates, $30.00 for guests and 

non-members. For more information, call 

Gabor Karsai at 516-359-8028. 

The WOMEN’S COUNCIL OF 

REALTORS and the HUNTINGTON 

TOWNSHIP CHAPTER is having a joint 

networking breakfast meeting on 

Wednesday, March 4th at 9:00am. Details 

to follow. For more information, call 

Charlotte Van der Waag at 516-248-9494. 

The NORTHEAST QUEENS CHAP- 

TER is having a networking breakfast program 

on Friday, March 6th at 9:00am. 

Guest speaker: Kathy Tsao, President of the 

Chinese American Real Estate Assocation. 

Details to follow. For more information, 

call Eddie Saeed at 718-670-0923. 

FOR COMPLETE INFORMATION ON ALL MEETINGS, VISIT THE 

EXECUTIVE PLANNER ON PAGE 4. 

And The Winners Are… 

This year was a banner year in terms of 

the number of members that paid their 

annual LIBOR dues bill online. One of the 

reasons for the tremendous results achieved 

this year in terms of getting members to pay 

online versus more traditional methods, was 

the PAY YOUR BILL ONLINE Contest 

that was launched and promoted in 

November and December. The contest provided 

the incentive in terms of cash prizes, 

to those members that paid their LIBOR 

dues bill online before the first of the new 

year. Congratulations to the following 

LIBOR members that were randomly chosen 

as the winners of this year’s contest: 

Anna Naccarato from 101 Atlantic 

Realty in Lynbrook was our GRAND 

PRIZE WINNER. She won $1,000.00. 

Susan Lo from Accents On Real Estate 

in Port Washington was our 2ND 

PRIZE WINNER. She won $500.00. 

Nicolas Toscano from C21 Cambridge 

in Lake Grove was our 3RD PRIZE 

WINNER. He won $250.00. 

SAVE MONEY… 

SAVE TIME… 

AND SAVE THE ENVIRONMENT... 

GO PAPERLESS! 

Sign up to get your MLS monthly statements on-line and you will receive 

monthly e-mails notifying you when your statement is ready to view. 

WITH PAPERLESS STATEMENTS YOU CAN: 

Stay on top of your statements. 

Enjoy secure access using your Logon Id and Password. 

View or pay your statement anywhere, anytime you want and you 

· 

can cancel anytime. 

It’s easy, hassle-free, accessible and safe. 

Sign up today by completing the form on Documents on Demand at 

631–661-9126 #458 and mail it back with your next payment, or fax it 

to 631-661-8136 Attn: MLS Billing. Your paperless statement will 

start the following month. 

FORECLOSURE UPDATE 

The most complete listing of Real Estate Foreclosure notices available for the five 

boroughs of New York, Westchester, Nassau, and Suffolk counties. Delivered 

weekly reformatted with additional features not included in the notice. 

BUILDING NOTICES • TELEPHONE NUMBERS 

• CROSS-REFERENCED BY DATE 

Over 200 Notices weekly — commercial, residential, condos and coops. Take advantage 

of the market. $345/year 5 boro’s, $210/6 months, or $125/12 weeks, 5 boro’s 

co-op’s $175/year, Westchester $185/year, Nassau $200/year, Suffolk $210/year. 

SUBSCRIBE NOW OR ORDER YOUR 

FREE COPY WITHOUT OBLIGATION 

Amex, MC, Visa, and Discover Accepted 

Please make check payable to and mail to: 

FORECLOSURE UPDATE INC. 

P.O. Box 220032, Great Neck, NY 11022-0032 or call (516) 487-6491 

www.newyorkforeclosures.com 

Chiropractic Offices Of Queens 

Dr. Michael W. Tafreshi, Chiropractor 

(718) 386-7000 

Occupational Warning Signs 

Attention All Realtors: Brokers & Agents 

Don’t Ignore Your Signs and Symptoms On 

Neck, Back, Radiating Arm & Leg Pains 

We Know & Understand Your Work Habits 

The Sale Agent: 

Driving, Getting In & Out Of Your Vehicles, Lifting, Getting 

Signs In & Out Of Your Vehicles, Prolong Walking, Standing & 

Sitting Hour after Hour, Restless Nights, Poor Sleeping Habits 

The Broker: 

Computer Habits of Neck Flexed and Shoulder Drop 

Telephone Habits of Head Tilt & Sitting Hour after Hour 

Twenty Four Hours Seven Days A Week 

Remember: Winter Hazards Of Slips and Falls On Ice 

(The Walkway and Driveway Hazards) 

Prolong Bending While Shoveling 

Car Accidents 

We Offer: 

Soft Tissue Manipulative Therapy 

Or 

Spinal Manipulative Therapy 

Or 

Medical Massage 

Most Major Medical Insurance Accepted: Please Call For Insurance Verification and Appointment 

Serving Brooklyn 

Dr. John D. Romero, Chiropractor 

(718) 782-8159 

7 ● January/February 2009 ● THE REALTOR ®


MLS NEWS 

MLS INFO LINE 

By Frank Urso, MLS President 

Making the Right 

Decision to Adopt Change 

I extend congratulations to our 2009 

LIBOR President Buddy Hussein and the 

2009 LIBOR executive committee. I look 

forward to working with them. 

I’d like to acknowledge our 2008 MLS 

President Barbara Ford of Ford Phase II 

Realty Corp., for the outstanding job she 

did during the past year and for the leadership 

she demonstrated to the executive 

committee of MLS and its directors. 

There’s only one Barbara Ford. Her leadership 

strengths and great knowledge of the 

real estate industry will be hard to equal, 

but I will do my best. Barbara stays on the 

executive committee for two more years as 

Past President; thank you Barbara. 

I congratulate our 2009 MLS Executive 

committee who will serve with me to the 

benefit of our 2,400 participants and 

24,000 agents. 

Our newest member, who brings his vast 

knowledge and experience to the committee 

as our Nassau County Vice President, is 

Floyd Earl from Coldwell Banker Manor 

Gate. Frank Dell’Accio from Century 21 

AA Realty is our senior and highly respected 

member. He will serve as the Suffolk 

County Vice President. Dorothy Ashkar 

from Fairway Home Inc. is our Queens 

Vice President for the second year. 

Serving a second year as MLS Secretary is 

former LIBOR President Mary Adams of 

Century 21 American Homes. In his second 

year as MLS Treasurer, Kevin 

Leatherman of Coldwell Banker Surf was 

successful in reducing our budget by nearly 

$400,000 dollars. And last, but certainly 

not least, serving his final year on the MLS 

Executive Committee if former MLS 

President and my friend, Chris Armstrong 

from Century 21 Princeton Properties. 

I find myself privileged to have served 

with many of our fine past presidents such as 

Barbara Ford, Chris Armstrong, Dan Ryan, 

Don Scanlon, Jane Salomon and Jim Netter. 

Thank you to each of you for that something 

special you brought to our organization. We 

are a better board because of your efforts. 

Today each of us is faced with making 

some of the most difficult decisions that 

we have experienced in our real estate 

careers. Some of us have been through 

this before, most of us have not. We are 

all faced with the challenge of running a 

successful business in a challenging and 

demanding market. 

Doing business as usual might not be 

the business plan that’s most effective as 

we move forward in 2009 and beyond. 

Each of us is now adapting, revising, consolidating, 

and cutting costs. That’s what 

we as owners are supposed to do, make 

the right decision to adapt or change. We 

do it with planning, short term and long 

Fines Given by the 

Rules Committee 

for Failure to 

Submit Requested 

Paperwork Since 

11/20/08: 

THE MULTIPLE LISTING SERVICE OF LONG ISLAND, INC. 

range. We anticipate change in order to 

stay ahead of our competition or market 

conditions or just to stay in business. 

Changes in real estate as in any business 

are inevitable. We do know that changing 

business models will continue to evolve such 

as VOW’s Virtual office websites. The internet 

will continue to change far more than we 

know it and the education of the consumer 

will continue to expand as they get more 

informed through social networking, podcasts 

and YouTube videos to mention a few. 

We will need to understand what our Gen X, 

Y and Boomer brokers and agents expect 

from MLS in order for them to meet the 

needs of a changing consumer market. We 

will try to reach them all through planned 

broker forums. We will be challenged every 

day by that someone or that Major 

Corporation that is strategically thinking 

right now of ways to change the way the real 

estate industry does business in the future. 

We are doing the same. Our MLS 

Committees, Advertising, Technology, 

Rules & Procedures, Budget & Finance, 

and Field Issues are all prepared to deal 

with the challenges of 2009. We will 

review our past MLS strategic short and 

long term plans with the intent to update 

our strategy for 1, 2 and 5 years. Just as 

that someone is thinking, we will be thinking. 

We will ask some of our most successful 

minds to help develop our strategic 

plan for we have some of the most successful 

brokers and industry leaders in the 

country right here in our MLS. 

Change at MLS has always been 

viewed with the best interest of all of our 

brokers and their agents in mind in order 

for them to be successful. MLS will 

always continue to look at change as a 

smart business opportunity. 

MLS will look at ways to keep our brokers 

and their agents more updated to 

change. You need to know more about how 

it affects you! Yes, this is going to be challenging, 

and change makes us all look at 

things differently to find a better way and 

that’s a good thing. We’re ready for the challenge. 

“We’re more than REALTORS...” 

we’re real estate leaders not followers! 

Remember the words of this visionary 

person who looked at things not as they 

were but how they could be. He said “the 

horizon is only as far as one’s eyes wish it 

to be” That was Jim Casey founder of 

United Parcel Service in 1907. 

I am honored to be your 2009 Multiple 

Listing Service President. 

Thank you, Thank you very much. 

$5,000 — 0 fines 

$3,000 — 1 fines 

$2,500 — 0 fines 

$2,000 — 0 fines 

$1,500 — 0 fines 

$1,000 — 3 fines 

$750 — 0 fines 

$500 — 1 fines 

$400 — 0 fines 

$375 — 0 fines 

$350 — 0 fines 

$300 — 0 fines 

$250 — 5 fines 

$175 — 0 fines 

$150 — 0 fines 

$100 — 0 fines 

$50 — 0 fines 

MLS Q&A 

My listing expired last night and the 

Q. seller just decided to renew their 

listing with me. Can I just have them sign an 

extension or do I need a new listing? 

A new Listing agreement would 

A. have to be signed. Rule 607 is as 

follows: 

Any listing filed with the Multiple 

Listing Service automatically expires 

unless renewed. 

All extensions must be obtained during 

the original listing period, signed by the person(s) 

duly authorized to sell the property, 

and must be postmarked or delivered to the 

Service within forty-eight (48) hours after 

obtaining the signature of the person(s) duly 

authorized to sell the property, but no later 

than twenty-four (24) hours after the expiration 

date of the original listing. 

MLS Begins 2009 Advertising Campaign 

The MLS advertising campaign will be focused on continuing to drive visitors to 

MLSLI.com. Seen here is a copy of the primary ad that will begin running in 

February. Additional variations of this ad that include promoting open houses, 

sold property data, and rentals, will also be included in this year’s campaign. 

GET YOUR COMPANY NOTICED... 

ADVERTISE ON THE WEB...MLSLI.COM 

ADVERTISE HERE 

YOUR 

CUSTOMERS 

EXPECT 

YOU TO BE 

ONLINE! 

Advertise your business on MLSLI.com for only $275 per 

month and get your company noticed by thousands of 

buyers and sellers that visit the site everyday. 

Contact Donna Lee at 631-661-4800 ext. 348.

TECHNOLOGY 

TECH TIP 

By Dana Nowick 

MLS Product Marketing Specialist 

631-661-4800 ext. 367 • dnowick@mlsli.com 

Revolutionize‚ Your Business! 

Get Your Transaction Documents 

Online Today 

We’re all working a little harder these 

days and spending more time trying to 

spend less money! With the hustle and 

bustle of being a Realtor, looking for 

ways to make your job easier is a must. 

Everyone should be taking advantage of 

FREE tools and technology that save you 

TIME AND MONEY in this market, such 

as Instanet. Instanet is a FREE service, 

provided by MLSLI, which enables you to 

fill out MLS/LIBOR forms and NY State 

forms online. Now, you can fill out these 

forms online and fax/e-mail them to your 

buyers and sellers at no charge! 

Realtors who currently use Instanet 

find that they are able to provide better 

service to their clients. 

Joe Record of Century 21 Maridon 

Realty says, “Instant has revolutionized 

my business. It’s the one central place 

where my agents, managers, and administrators 

can find all my important transaction 

documents from virtually anywhere.” 

There’s so much to say about this 

FREE service, but you really have to try 

it out for yourself. Below, I have listed a 

few ways that will help get your business 

up and running with Instanet. 

1. Start Today! Go to Stratus Add/Edit 

and click on Instanet Online Forms 

2. Hands-On Training Classes 

Available! Includes 3 hours CE Credit. 

Classes are offered at your local Realtor 

Service Centers. Register at 

www.mlsli.com/gencomputerclass.cfm 

3. FREE Online Webinar Available! If 

you don’t have the time to come to our service 

centers, learn right from your home or 

office PC. Register at https://www.trans 

actiondesk.com/webinars 

Back By Popular Demand! 

FREE MLS 

Products and 

Services Seminar 

Take Advantage of All that your MLS has to Offer. 

JUMP-START your business! Learn how to use 

today’s latest tech tools to grow your business. 

~ Blogging ~ 

~ Online Documents ~ 

~ FREE Stratus Tools ~ 

~ Tools for your Website ~ 

And MORE! 

CONVENIENT LOCATIONS 

CONTINENTAL BREAKFAST WILL BE SERVED 

Register Today! 

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and get the 1st MONTH FREE! 

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Contact: 

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MLS Product Marketing Specialist 

631-661-4800 x367 

dnowick@mlsli.com 

PLUS $ 100 

Off Set-Up Fee * 

MLSTechs.com 

Offer valid for 1st monthly fee of $29.95. Regular monthly fees apply thereafter. Offer expires 

3/31/09. Offer valid for new subscribers only. 

*$100 discount applies only to BRS Search Engine. 

COMING SOON! 

FREE Social Networking Classes 

Start Networking Online! 

Connect, converse, and grow your 

business with Social Networking sites. 

Facebook, Blogging, LinkedIn, 

Twitter, YouTube, and More! 

Learn how to use 

these sites, establish 

an online presence, 

and turn prospects 

into leads. 

Stay tuned! Upcoming classes will be announced in the 

Realtor Paper, the Weekly Tech tip, and on Stratus! 

Contact: Dana Nowick 

631-661-4800 x367 • dnowick@mlsli.com 

9 ● January/February 2009 ● THE REALTOR ®


2008 LIBOR Chapter 

Acknowledgements & 

2009 Installation Event 

Coverage 

“Ordinary people 

working together 

will achieve the 

extraordinary.” 

Buddy Hoosein, 

2009 LIBOR President 

The NASSAU COUNTY Division 

Breakfast was held on January 8, 2009 

at the Milleridge Carriage House with 

special guest speaker, Martin R. Cantor, 

CPA/MA/Adjunct Associate Professor of 

Economics at Dowling College. 

The SUFFOLK COUNTY 

Division Breakfast 

was held on January15, 

2009 at Villa Lombardi’s 

with special guest 

speaker, The Honorable 

Philip Boyle, NYS 

Assemblyman. 

The QUEENS COUNTY Division 

Luncheon was held on January 22, 2009 

at Antun’s Catering with special guest 

speaker, Brian Simon, Legislative Aide to 

US Congressman Greg Meeks.

LONG ISLAND REALTORS® 

FEDERAL CREDIT UNION 


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the personal way” 

• Savings 

• Checking 

• Direct Deposit 

• Internet Account Access 

• Credit Cards 

• Auto Loans 

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• Personal Loans 

• Vacation Club 

• Holiday Club 

• Mortgage Lending 

• American Express Gift 

Checks & 

Travelers Checks 

NEW RATES 

FOR 2009! 

Call or Visit 

Us Today! 

LONG ISLAND REALTORS® FEDERAL CREDIT UNION 

300 Sunrise Highway • West Babylon, NY 11704 

631.661.4800 Ext. 371 

www.lirfcu.com Serving Our Members Since 1972 

QUEENS BRANCH 

OFFICE NOW OPEN!! 

100% Payout Only $ 35 Monthly Fee 

NEW! FREE! Membership to www.eshowings.com 

Virtual Secretary, All Showings appointments & 

feedback done for You ($800/month value) 

NEW! FREE! Advertising discount membership - 

up to 30% discount on Newsday and other print ads. 

• FREE! Buyer and Seller Leads 

• FREE! Foreclosure Membership (a $600 value) 

• FREE! Virtual tours on photowalk.com (a $300 value) 

• FREE! Elite top placement on Google, Yahoo, for search 

“Long Island Real Estate” (approx. value priceless) 

• FREE! Use of Beautiful A-Rated Offices. Queens Branch 

coming soon. 

• FREE! Advertising on Cablevision IO Homes Channel 

#606 ($1,000/month value) 

Over 225 Agents and Counting!! 

“THE KEYSTONE GUARANTEE” 

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NEW! FREE! Enhanced Listing marketing system - 

sell your listing in 1/2 the time! (Ask us about it!) 

NEW! FREE! Training, including monthly teleconference 

calls, All day Real Estate workshop and step by step 

online traning system (approx. value priceless) 

• FREE! Internet advertising to dozens of web portals that 

include, Yahoo, Excite, Ask Jeeves, etc (approx a $300/month value) 

• FREE! Exclusive advertising and marketing on Long Island 

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• FREE! Exclusive advertising on WannaNetwork.com (a 

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Call for information 

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E-mail: keystonerealty1@aol.com 

Check us out on the World Wide Web at: 

www.joinkeystone.com


This 

& That 

Vic Amoroso Named Sales 

Manager at Daniel Gale 

Sotheby's Stony Brook Office 

Vic Amoroso, a longtime 

resident of the 

Three Village area, has 

been named sales manager 

for Daniel Gale 

Sotheby's International 

Realty's Stony Brook 

office. Daniel Gale 

Sotheby's President and 

CEO Patricia Petersen made the announcement. 

In addition to his more recent success 

as an associate broker at Daniel Gale 

Sotheby's, Vic is a former Suffolk County 

school administrator who served in leadership 

positions for 26 years, including membership 

on the governing boards of several 

statewide educational organizations. 

Jolie Powell, Broker/Owner of Jolie 

Powell Realty Inc., has earned the 

EcoBroker Certified designation, having 

successfully completed a unique and informative 

training program on the energy and 

environmental issues that affect real estate 

transactions. Jolie joins the movement of professionals 

pushing the real estate market 

toward energy-efficient, sustainable, and 

healthier design/features in homes and 

buildings. EcoBroker International’s education 

and designation program is designed 

exclusively for real estate professionals who 

care about the environment and want to help 

their clients benefit from the energy-efficiency, 

“green,‰ and healthier features of homes. 

3rd Annual Easter ‘Sealed with a 

Gift’ Holiday Toy Drive Bonanza 

For the third straight year, Century 21 

Laffey Associates delivered on their 

promise to make the 2008 holiday season 

extra special for the students of the Easter 

Seals Bronx Educational Facility. The 

Principals of the firm, Emmett, Philip & Mark 

Laffey, wish to thank everyone for their participation 

and generosity of the 2008 Toy 

Drive. By rallying support from employees, 

Realtors, Loan Officers and Title 

Specialists, the Laffey Family of Associates 

collected and delivered more than 600 

toys, far exceeding the original goal. Once 

again, jolly old St. Nick was in residence, 

played beautifully by Principal, Philip Laffey, 

aided by his many Laffey elves and helpers 

at the school. 

MLS Past President Dan Ryan 

Named Sales Manager at Century 

21 American Homes in Baldwin 

Dan Ryan, Sr. has 

recently been named 

sales manager at 

Century 21 American 

Homes in Baldwin. 

Dan has been an 

active licensed real 

estate professional for 

18 years. He is a Past 

President of MLS and past LIBOR Nassau 

County Vice President. Dan also serves 

as a New York Association of REALTORS 

(NYSAR) Director since 2004. He graduated 

from the New York State Association 

of REALTORS Training Institute, and is a 

New York State approved Real Estate 

Continuing Education Instructor working 

for LIBOR and other licensed schools. He 

is also a licensed Notary Public. Dan 

received the 2007 LIBOR REALTOR- 

Broker of the Year Award. Dan, an avid 

golfer, resides with his wife Katie in 

Island Park. 

Century 21 American Homes located 

at 72 E. Main Street in Babylon Village, 

hosted a winter clothing and food drive to 

benefit the First Presbyterian Church in 

Babylon Village. More than 100 families 

are fed each week and are provided with 

other benefits throughout the year, donations 

are always accepted. American 

Homes collected approximately 65 

pounds of food, and plenty of boxes of 

winter clothing as well. 

OBITUARIES 

We regret to inform you of the passing of 

Rena H. Lulov on November 16, 2008. 

Rena was a real estate broker in Great 

Neck for 30 years; she was a principal of 

Ackerman Lulov Real Estate and later 

Rena Lulov Realty. 

We regret to inform you of the sudden 

passing of Komal (Amit) Sooknanan of 

ERA Professional Realty, South Ozone 

Park. Komal died in a car accident 

early Thanksgiving Morning. Services 

were held on December 1st and 2nd at 

Leo F. Kearns Funeral Home in 

Richmond Hill. 


Patrick Adams, husband of MaryAnn 

Adams of C21 Castle Realty. Services 

were held on December 11th and 12th at 

Maloney’s Funeral Home in Ronkonkoma. 


Vivienne Klein, wife of Allan Klein, Daniel Gale 

Sotheby’s International Realty in Syosset. 


Venecia Guerrero of Millennium Homes in 

Bay Shore. Services were held on 

December 28th and 29th at Michael J. 

Grant Funeral Home in Brentwood. 


Cheryl Manne, beloved best friend of Tony 

Smith of S.A.S Realty, Wantagh. Services 

were held on January 12th and 13th at 

Massapequa Funeral Home in 

Massapequa Park. Donations in Cheryl’s 

memory can be made to St. Frances de 

Chantal Multiple Sclerosis Group 1309 

Wantagh Ave. Wantagh, NY 11793. 

We regret to inform you of the untimely 

passing of Michael Stryska, son of Kendra 

Stryska of Weichert Realtors — Dutch 

Door in West Sayville. Services were held 

on January 21st and 22nd Wednesday at 

Chapey & Sons in West Islip. Messages of 

Condolence may be sent to 59 Main St. 

West Sayville, 11796 


Bob Cubbin, husband of Ellen Cubbin of 

Coldwell Banker Residential Brokerage in 

Syosset, on January 18th. 

Have the Rules of the Game 

BeenChanged ForYou? r 

REDUCED 

COMMISSION 

SPLITS 

INTERNET 

LEAD FEES 

REDUCED 

SUPPORT 

STAFF 

HIGHER 

TRANSACTION 

FEES 

ADVERTISING 

FEES 

The Next Move is Yours! 

If you want to energize your real estate career withoutt 

increased fees call: 

Cathleen Whelan, H.R. Director (All calls are confidential.) 

631-360-1900 x201, cwhelan@coachrealtors.com 

Coach Realtors is Long Island’s largest privately owned Real Estate Company, 

serving Nassau and Suffolk for over 50 years. 

www.coachrealtors.com

Coming Soon To A Theater Near You 

Meeting The Market Challenge In 2009 

Helping Homebuyers Make Informed Decisions 


WE’LL DISCUSS: 

• The needs and concerns of 

today’s homebuyers 

3:00pm Thursday, March 12th 

Mark your calendars! You won’t 

want to miss this important event! 

• How to guide and educate 

homebuyers in uncertain 

times 

• How to manage your 

business and finances for 

professional and personal 

success 

Contact me for more details 

early in February, including 

registration information. 

Cristina Hoffman 

532 Broadhollow Rd, Melville, NY 11747 

Tel (631) 752-5066 

Cell (516) 330-3299 

Cristina.Hoffman@wellsfargo.com 

David Bach 

Founder & President 

FinishBach Media 

Brian Buffini 

Chairman & Founder 

Buffini & Company 

See and hear an all-star leadership panel address the importance of 

Helping Homebuyers Make Informed Decisions. This dynamic, 

insightful forum will be broadcast live to the movie theatres listed 

below on the afternoon of Thursday, March 12 

Theater Name Address City St Zip 

Island 16 Cinema De Lux 185 Morris Ave Holtsville NY 11742 

Westbury Stadium 12 7000 Brush Hollow Rd Westbury NY 11590 

College Point Multiplex 28-55 Ulmer St Whitestone NY 11357 

Information is accurate as of date of printing and is subject to change without notice. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2009 Wells Fargo Bank, N.A. All rights reserved. 104949 -


RPAC 

2009 RPAC HONOR ROLL 

IT’S YOUR BEST 

INVESTMENT IN BUSINESS! 

GOLDEN R 

($5,000 AND UP) 

Joseph L. Canfora* 

Dorothy Herman* 

Patricia Levitt* 

Audrey Livingstone* 

CRYSTAL R 

($2,500 TO $4,999) 

STERLING R 

($1,000 TO $2,499) 

Lisbeth N. English* 

Melvyn S. Farkas* 

Barbara F. 

Frechter* 

Susan G. 

Helsinger* 

Walauddin 

Hoosein* 

Mary F. 

McLaughlin* 

Walter Messina* 

Joseph E. Mottola* 

Donald C. Scanlon* 

PRESIDENT’S 

CLUB 

($500 TO $999) 

Matthew B. Arnold* 

Gabriele Bishop* 

Nicholas Gomez 

Tony Smith 

CAPITOL CLUB 

($250 TO $499) 

Nicholas Gigante* 

Melissa Gomez 

Richard M. Shane 

Joseph T. Sinnona* 

Neil E. Sterrer 

$99 CLUB 

($99 TO $249) 

Christopher Andron 

Gina M. 

Bettenhauser 

Barbara A. 

Bucovetsky 

Marie A. Costello 

Surekha S. Dave 

Sandi Lefkowitz 

Maxwell S. Levitt 

Brian P. Lomot 

Bettie M. Meinel 

James F. O ’ane 

Xiao Feng Pan 

Linda J. Petralia 

Rose Marie Princi 

Willard L. Rose 

Marlena C. Schein 

Charlotte 

Vanderwaag 

LESS THAN $99 

($18 TO $98) 

Lynne B. Aaronson 

Henry Ababon 

Patricia Abamonte 

Paula Abbamonte 

Joseph A. Abbate 

Hamdy 

Abouhasswa 

Abraham C. 

Abraham 

Cheriyan Abraham 

George Abraham 

Salim Abraham 

Millie Abrahmov 

Jacqueline A. 

Abramaitis 

Joseph J. 

Abramaitis 

Barbara J. Abrami 

Evelyn A. Abreu 

Fidel A. Abreu 

Thomas M. Accardi 

Julie A. Accetta 

Richard D. 

Accomando 

Julia Acevedo 

Nancy A. Achstatter 

Joseph M. 

Achtziger 

Bartlett L. Ackerson 

Carolina Acosta 

Patty Acosta 

Pedro Acosta 

Salvatore J. 

Acquista 

Steven Actisdano 

Nina Adames 

Karen F. Adamo 

Kenneth L. Adamo 

Kenneth P. Adamo 

Suzanne Adamo 

Lourdes Adams 

Malcolm L. Adams 

MaryAnn Adams 

Mary C. Addams 

Olatoyosi T. 

Adesina 

Farid Adhami 

Buddy J. Adler 

Mark S. Adler 

Stephen Adragna 

Lucia Adrian 

Christopher P. 

Affrunti 

Anupa Agardeo 

Rina Aghalarpour 

Joseph A. Agnello 

Juan Aguilar 

Juan R. Aguirre 

Raymond Ahamad 

Jessica A. Ahern 

Rafik Ahmad 

Alucinda M. Ahmed 

Awal Ahmed 

Kazi B. Ahmed 

Mamdouh O. 

Ahmed 

Mohammad M. 

Ahmed 

Sabbir Ahmed 

Zahir U. Ahmed 

Han Sik Ahn 

Jae Soon Ahn 

Julie C. Ahn 

Elizabeth Aiello 

Gary Ain 

Eileen M. Aivaliotis 

Sevilay Akbulut 

Maureen Akerberg 

Wesike Akpovwa 

Kathryn H. Aksak 

Gerald P. Alaia 

Sal R. Alaimo 

Mohammad S. 

Alam 

Muhammad N. 

Alam 

Joseph Alarimo 

Karen K. Albanese 

Nicholas Albanese 

Anita M. Albert 

Ladislau Albert 

Assompta Albertini 

Amy A. Albrecht 

Donna T. Albro 

Adina Aldad 

Elizabeth S. Alessio 

Cecilia Alexander 

Sydney Alexander 

Dorothy Alfano 

Frank Alfano 

Rose M. Alfano St 

John 

Frank T. Alfieri 

Jose M. Alfonso 

Selina E. Alfonso 

Asef Ali 

Aslam Ali 

Azim O. Ali 

Malik Ali 

Mohammad J. Ali 

Muntaz Ali 

Mustaq Ali 

Rafaqat Ali 

Shahid Ali 

Giacomo C. Alia 

Catherine L. Aliano 

Linda Alimaras 

Michael A. Aliperti 

*THESE LIBOR MEMBERS HAVE PLEDGED RPAC CONTRIBUTIONS. 

REALTORS POLITICAL ACTION COMMITTEE 

LIBOR’S 2009 RPAC GOAL IS $375,810 BASED ON 

RPAC’S FAIR SHARE OF $15 PER MEMBER. 

For more information, please contact 

Randy L. Kaplan, Director of Governmental 

Affairs, Ext. 380. 

Khalil A. Alkaifi 

Olivier Allain 

Barbara A. Allen 

Cheryl E. Allen 

Dilward G. Allen 

Hazrat Alli 

Shameena Alli 

Bridget D. Allim 

Doina Almazon 

Anna Almiroudis 

Luz Alba Almonte 

Gladys V. Alonso 

Albert L. Alston 

Jennifer L. Alt 

Maria S. Altamuro 

Marilyn Altebrando 

Karen Alterson 

Fresnel Altidor 

Ignacio G. Alvares 

Diane Alveari 

Kenneth P. Alveari 

Donna M. Alvino 

Alyciana A. Ama 

Jose Amaro 

Alfred Amato 

MaryAnn Amato 

Robin Amato 

Donna Amatulli 

Jacques Ambron 

Dina A. 

Ambrosecchia 

Vanessa I. 

Ambrosecchia 

Barbara A. 

Ambroselli 

Frank Amendola 

Zulfiqar A. Amer 

Loretta C. Ames 

Wendiann Amicizia 

Gary Aminov 

Diana Amirian 

Reza Amiryavari 

John Ammirati 

Sal Ammirati 

Michael C. Amodio 

Changsoon An 

Stephanie H. An 

Yongnan M. An 

Bruce C. Andersen 

Claire Anderson 

Elizabeth F. 

Anderson 

Jay Anderson 

Mark G. Anderson 

Stuart M. Anderson 

Susan Anderson 

Michelle Andonian 

Tony Andre 

Peter D. 

Andreasian 

Christina Andreou 

Denise Andriano 

Dominick Andriano 

Irina Andriasova 

Kenneth J. Anello 

Ronald H. Anello 

Jan M. Angarita 

William J. Angelos 

Laurie J. Angrisani 

Salvatore 

Annarumma 

Rosaria Anninos 

Joseph Annunziata 

Aslam P. Ansari 

Halima Ansari 

Manzur A. Ansari 

Diana M. Ansbach 

Joan A. Ansman 

Eric Anteby 

Paige P. Antonellis 

Constance J. 

Antonetti 

Sandra L. Antonini 

Marla J. Antonoff 

Novick 

Salvatore J. 

Anzalone 

Vito W. Anzalone 

Juana Aponte 

Raquel B. Aponte 

Theresa M. 

Aquaviva 

Elizabeth Aquino 

Anita Aragona 

Michael J. Arato 

Spyridon 

Aravantinos 

Maryann E. Arceri 

Viorel A. Ardelian 

Joseph Ardito 

Michael A. Ardolino 

John M. Arena 

Victor Arenas 

Gary Argento 

Elsa Liliana 

Aristizabal 

Munarov Arkadiy 

Janine M. Armata 

Chris Armbrecht 

Ronald D. Armet 

Rabindranaut 

Armogan 

Christina M. Armyn 

Patricia R. Arndt 

Candi E. Arnesen 

Richard B. Arnold 

Diana Aronica 

Maureen P. Arra 

Francisco B. Arrieta 

Humberto Arrieta 

Libertino Arrigo 

Jorge Arroyo 

Paula Marie Arturi 

Lucille M. Arzano 

Vivian 

Arzoumanidis 

Joseph Asaro 

Sergio P. Asaro 

Jon R. Asch 

Dorothy A. Aschkar 

Daniel Asciolla 

Kathaleen S. Ash 

Brian P. Asher 

Marie E. Asher 

Suzanne R. Asher 

Sandra Asip 

Audrey A. Aspinall 

Maria C. Assalone 

Evelyn Atanas 

George 

Athanasopoulos 

Jan M. 


John 


Eduardo Atristain 

Andrea Attanasio 

Annette Attanasio 

Marie Aubin 

James N. Augello 

Anthony D. Auguste 

Janet Augustino 

Nora E. Avalos 

Karen J. Avellina 

Michael Aversano 

Sistina Aversano 

Patrice Aviano 

Peter Aviles 

Lorraine Avitabile 

Suzan Avitan Padel 

Nabil N. Awad 

Stanley Awala 

Azucena M. Ayala 

Diab 

Denise M. Ayre 

Mohamed A. 

Azeem 

Michele T. Azzara 

Elizabeth B. 

Azzararello 

Franca Azzilonna 

Shesh 

Natalie Babayev 

Kenneth P. 

Babcock 

Kiriacos 

Bacalocostantis 

Sandy Bacchus 

Sheik M. Bacchus 

Daniel J. Bacci 

Barbara M. Bach 

Anita Bachrach 

Chang Seok Baek 

Maria Baer 

Carl R. Baessler 

Elizabeth Baez 

Ramraj Bahadur 

Emmanuel Baille 

Don H. Bak 

Gervaise M. Baker 

Linda A. Baker 

Steven B. Baker 

Salih Bakir 

Fizool Baksh 

Ganesh P. Balack 

Magaly A. 

Balanzategui 

Evangeline 

Balaskas 

Theresa Balazs 

Lynette Baldwin 

John A. Balis 

James A. Balletta 

Lynn Balletta 

Carmen F. 

Balmaceda 

Peter Balodimas 

Janice Balsamo 

Lilian D. Balzana 

Kimberly G. 

Bancroft 

Melissa W. Bancroft 

Myrna A. Bancroft 

John E. Banham 

Victor Banks 

Marjorie Baptiste 

Olga Baram 

Paulina Baratta 

Lisa L. Barbatsuly 

Nadine Barbera 

Sonia Barberan 

Colleen M. Barbieri 

Elizabeth Barboza 

Frances Barbuto 

Kathleen Bardekoff 

Augusto Bardi 

Donna L. Barilla 

Angela Barillaro 

Claudia O. Barnes 

Joseph W. Barnett 

GOAL 

$375,810 

Jerome W. 

Barnwell 

Darlene Baron 

John L. Barone 

Joseph Barone 

Maria G. Barone 

Helen Baroumis 

Stephanie Barreda 

Erika Barres 

Samuel Barreto 

Junior A. Barrett 

Robert S. Barrett 

Darren D. Barrows 

Warren E. Barta 

Joan E. Bartels 

Tasha L. Bartlett 

Bernadette Bartolillo 

Tinamarie Bartolotta 

Ann F. Bartonik 

Gregory Bascombe 

Michelle L. Basile 

Paul R. Basileo 

Raj K. Basnet 

Lynn D. Basnight 

Susanne Bass 

Christian Bastian 

Jose L. Batista 

Lin Ying Batista 

Rolando A. Batres 

Jeanine Battaglia 

Gary Baumann 

Peter J. Bavoso 

Manjeet Bawa 

Chris J. Baylis 

William J. Baylis 

Stephen A. 

Baymack 

Zavi Baynes 

Judith P. Bean 

Corey Beanland 

Jacques F. 

Beauchamp 

Joanne C. Bechhoff 

Cynthia M. Beck 

Alice Becker 

Barbara Becker 

DUE TO SPACE CONSIDERATIONS, A COMPLETE LIST OF RPAC CONTRIBUTORS WILL BE AVAILABLE ONLINE AT LIREALTOR.COM 

RPAC UPDATE 

By Pat Levitt, 

RPAC Chairperson 

More Work To Be Done 

Well...here I am again...your Realtor 

Political Action Committee Chair. This 

will truly be a challenging year but I'm 

ready for it and counting on your support!! 

In this “crazy” market we’ll need 

the continued support of our legislators, 

both local and nationally. It is, therefore, 

imperative that we continue to support 

those legislators who have supported us 

as Realtors. After many years we were 

able to get a Commission Escrow Bill 

passed but this does not mean we can sit 

back and not contribute to RPAC. (Note: 

we are the only state to have such a 

Law.) Each year new issues arise that 

could impact the way we can do business. 

We count on our legislators to 

understand and support our needs so we 

must allow them to count on our support. 

Our RPAC dollars are our way of supporting 

our elected officials who support 

the real estate industry. 

We now have many restrictions 

regarding RPAC fundraising. Therefore, 

I must appeal to you for your voluntary 

and generous contributions. Also, since 

education is a necessary faction, I ask 

that you spread the word to your coworkers 

who may not realize how 

important it is to make an investment in 

RPAC. This year’s Committee intends 

to keep the “fun” in fundraising. We 

plan on having some new and exciting 

events and expect to bring back some of 

our “oldies but goodies”. SAVE THE 

DATE...April 30th we are holding our 

5th Annual Day at the Races. 

We’re also bringing back our “Mr. 

Legs” contests and our “Realtor’s Got 

Talent.” If you have any ideas that we 

can consider for fundraisers please feel 

free to let us know. 

My Vice-Chairs this year are: Suffolk 

- Matt Arnold, Queens - Nabih Halaka, 

Nassau - Susan Helsinger. Together we 

are strongly committed to reaching our 

2009 goal of $375,810. We are confident 

that we will be able to count on 

your support and that we will have a 

very successful year. Remember, investing 

in the Realtor's Political Action 

Committee is the best investment you 

can make in real estate. 

My motto is SBS — slowly but surely. 

I'm looking forward to working with 

you, the LIBOR team, again this year. 

Can I count on your help? 

P. S. Something new!!!!! Look for 

RPAC’s “Green” Tote Bags at your 

chapter meetings.

LEGAL/ETHICS 

The Real Estate Commission 

Escrow Act 

Last year Governor David A. Paterson 

signed into law Section 294-B of the Real 

Property Code, which, for the first time in 

this state, establishes a modicum of protection 

for the Broker who has a client 

who refuses to pay the earned commission. 

This law became effective on 

January 1, 2009. 

In order to obtain the protection offered 

by the Statute, the Broker must have a 

written agreement with the seller which 

specifically contains the following language: 

“At the time of closing, you may 

be required to deposit the broker’s commission 

with the county clerk in the event 

that you do not pay the broker his or her 

commission as set forth herein. Your 

obligation to deposit the broker’s commission 

with the county clerk may be 

waived by the broker.” MLS has new listing 

forms which contain the proper language 

in order to make sure you conform 

to the statutory requirement. You can 

order the forms on line, in person or by 

phone. 

The following sales are covered by the 

act: Residential Real Property, 

COUNSELOR’S COMMENTS 

By Cathy Nolan 

Goldson, Nolan & Connolly, P.C. 

General Counsel 

Condominiums and Cooperative 

Apartments under most circumstances. 

Vacant Land, Commercial Property and 

Leased Property are expressly exempt. 

Keep in mind, if the transaction does not 

close, the Act does not apply. 

There are many nuances to this piece 

of legislation and LIBOR has put together 

a 3.75 hour CE Credit class for agents 

and brokers to address the issues and to 

clarify the law. The purpose of this article 

is to alert you to the fact that the law is 

now in effect and to let you know that 

everything possible is being done by the 

Board and the Multiple Listing Service to 

make you familiar with any and all 

requirements thereto. 

Realtors fought long and hard, often 

uphill, to bring this law into being for the 

benefit of all of you who work so hard, 

especially in these financially uncertain 

times, to earn a justly deserved commission. 

Do not let ignorance of the law keep 

you from the benefit so recently gained 

for you! (You may call the Education 

Department to find out about class schedules.) 

Here’s to a successful 2009! 

Winter 2009 — Commission 

Escrow Act and New MLS Listing 

Agreement Training Schedule 

The new Commission Escrow Act is now in effect. This program will provide you with an 

overview of the new law, how you can benefit, obligations to the consumer, necessary 

paperwork and important timeframes you must know about. Find out what you need to 

know about the new CEA and how to protect your commissions. Students will receive a 

copy and explanation of the changes to the new MLS Listing Agreements. 

Approved for 3.75 hours of NYS CE credit and NAR Ethics credit. 

Here are the upcoming Winter classes: 

February 13, 2009 



RSC WEST BABYLON 


March 4, 2009 

March 19, 2009 

RSC JACKSON HEIGHTS 

75-35 31st Avenue, Suite 207 

February 28, 2009 March 30, 2009 

March 9, 2009 

RSC WOODBURY 

100 Crossways Park Dr. West, Suite 106 



RSC RIVERHEAD 

185 Old Country Road, Suite 1 



Tuition — $30.00 LIBOR Members / $50.00 Non-members 

For class times and more information visit 

http://www.mlslirealtor.com/contedclass.cfm or call 631-661-4800 ext. 21. 

LIBOR LEGAL HELPLINE 

BEGINNING JANUARY 1, 2009 THE LEGAL HELPLINE 

OPERATING HOURS WILL CHANGE 

Please be advised that beginning in January 2009, the LIBOR Legal 

HELPLINE will now be available to members five days a week, 

Monday through Friday, noon to 5:00 pm. Please note that the 

Helpline phone and fax numbers will remain the same. 

MONDAY — FRIDAY • NOON - 5PM 

CALL (631) 236-4105 OR FAX (631) 236-4110 


ETHICS...THIS MONTH’S TOPICS 

The Ethics case published in this issue have been chosen by the 2009 Chairperson of the Professional Standards Committee, Linda Bonarelli. 

Case #12-21: Registration of 

URL Similar to Name of 

Subsequently-Established Firm 

REALTOR® Z was the technology-savvy 

partner in the XYZ residential real estate firm 

in the north woods. She was also a former 

advertising executive who was constantly 

looking at new and innovative ways to position 

and market the XYZ firm. While her 

partners had consistently resisted her suggestions 

to change the firm’s name to better 

reflect the locale they served’REALTOR® Z 

had’with their concurrence’registered a number 

of domain names based on firm names 

she had to date been unable to convince her 

partners to adopt. She felt this was a wise 

strategy since it was only a matter of time 

until she would convince her partners that a 

name change was beneficial. Among the 

domain names registered were nothwoodsrealestate.com’ 

woodsandlakesrealty.com 

and upnorthrealestate.com. None of those 

names were’ to the best of REALTOR® Z’s 

knowledge’similar to the names of other area 

real estate brokerage companies. 

Approximately a year later Sales 

Associate B received his broker’s license’ 

left the XYZ firm and opened his own brokerage 

firm which he named Up North Real 

Estate. When he attempted to register the 

domain name upnorthrealestate.com he 

learned it had already been registered by 

REALTOR® Z. Upset with this turn of 

events’ he filed an ethics complaint with the 

local association of REALTORS® charging 

REALTOR® Z and her partners with having 

violated Article 12 of the Code of Ethics’ as 

interpreted by Standard of Practice 12-12. 

At the hearing’ REALTOR® Z defended 

her actions in registering the domain name 

upnorthrealestate.com on grounds she had 

been actively lobbying her partners to change 

the firm’s name to Up North Real Estate; that 

she had no intention of using the domain 

name upnorthrealestate.com until the firm’s 

name was changed and that at the time she 

had registered the name no other firm that she 

was aware of had a similar’ let alone identical’ 

name. Moreover’ she argued’ a domain 

name does not have to mirror a firm’s name; 

it merely has to present a “true picture.” “The 

XYZ firm has listed and sold residential property 

in the north woods for many years. ‘Up 

North Real Estate’ at some point’ if the XYZ 

firm had used the domain name ˆ which we 

haven’t ˆ it still would have satisfied Article 

12’s true picture requirement since it refers to 

a particular geographic locale ’ not to a competing 

real estate company.” 

The hearing panel agreed with REAL- 

TOR® Z’s reasoning’ concluding that at the 

time REALTOR® Z registered the domain 

name upnorthrealestate.com’it was not similar 

to the name of any other area real estate 

company. The panel also noted that if it had 

been used’ the domain name would have 

satisfied Article 12’s true picture requirement 

since it would have simply suggested 

to consumers that it was a source of property 

information in that geographic area. 

Case #12-22: Registration of 

Domain Names Based on 

Competitors’ Firm’ Names 

REALTOR® X was the principal broker 

of a small but growing real estate brokerage 

firm. REALTOR® X was constantly 

on the lookout for new and innovative 

ways to distinguish her firm from the competition 

and to increase its market share. 

Rather than simply relying on tried and 

true methods’ REALTOR® X sought and 

often followed the advice of education’ 

marketing and technology consultants. 

Based on the advice of her technology 

expert’ REALTOR® X created and registered 

domain names for her firm’ for the 

licensees affiliated with her’ and for herself. 

A somewhat more troubling recommendation 

was that she registered domain names 

mirroring the names of the real estate brokerage 

firms in her area with the largest 

market shares. When she questioned the 

consultant’ he responded’“There’s no reason 

why not. Everyone does it. It’s just 

competition ˆ and aggressive marketing.” 

When REALTOR® A tried to register a 

domain name for his firm ABC REAL- 

TORS®; he learned that domain name had 

already been registered by REALTOR® X. 

Doing further research’ he learned the names 

of several other large companies in the area 

had also been registered as domain names by 

REALTOR® X. REALTOR® A filed an 

ethics complaint with the local association of 

REALTORS® charging REALTOR® X 

with violating Article 12 of the Code of Ethics 

as interpreted by Standard of Practice 12-12. 

At the hearing’ REALTOR® X defended 

her actions noting that Article 12 

requires REALTORS® to “present a true 

picture in their advertising’ marketing’ and 

other representations.” She pointed out 

that she had never used the registered 

domain name mirroring the name of 

REALTOR® A’s firm’ or those based on 

the names of other local firms. Since she 

had not used the domain names’ she couldn’t 

see how she had violated Article 12. 

The hearing panel did not agree with 

REALTOR® X’s reasoning. The panel 

based its decision that REALTOR® A had 

violated Article 12 on the wording of 

Standard of Practice 12-12 which bars 

REALTORS® from registering URLs or 

domain names which’ if used’ would present 

less than a true picture. The panel also 

noted that the very act of registering a 

URL or domain name which’ if used’ 

would present an untrue picture is all that 

is required to violate Article 12’ as interpreted 

by Standard of Practice 12-12.


COMPUTER EDUCATION 

NEW! NEW! NEW! NEW! 

NEW — STRATUS CERTIFICATION PLUS 

FAIR HOUSING COMBO CLASS — 

22.5 HOURS 

Satisfy ALL of your New York State requirement for 22.5 hours 

of CE including 3 hours of Fair Housing over this three day 

class. Day 1 will cover Stratus customization, searching, viewing 

and printing reports, mapping, update, open houses, statistics, 

saving searches. Day 2 will cover Public Records and 

mailing labels in the morning. In the afternoon of Day 2, students 

will registers and complete a 3 hour online FAIR HOUS- 

ING course with the instructors help. On Day 3, students will 

cover CMA, Add/Edit, photo upload, and prospect match. 

Important note: Total cost: $255. Students will pay $225 to 

register for the Stratus class, then an ADDITIONAL $30 for 

the online course on day 2. Credit card or checks accepted. 

LIBOR will process 19.5 hours Stratus CE and 3 hours Fair 

Housing CE separately. Students attending must have basic 

computer and Internet skills. 

3 DAYS • 9:00 A.M. – 5:30 P.M. 

EVENING HOURS ARE 5 DAYS FROM 5:00PM – 9:30PM 

Riverhead . . . . . Feb 12, 19 and 26 (Thursdays) 

West Babylon . . . Feb 17, 20 and 24 

Jackson Heights . Feb 18, 24 and 27 

Woodbury . . . . . Mar 3, 10 and 17 (Mondays) 

West Babylon . . . Mar 13, 20 and 27 (Fridays) 

Jackson Heights . Mar 16, 23 and 30 (Mondays) 

Woodbury . . . . . Apr 2, 7, 15, 22 and 29 (5 EVENING CLASSES) 

West Babylon . . . Apr 16, 23 and 30 (Thursdays) 

Riverhead . . . . . Apr 23, 27 and 30 

Jackson Heights . May 5, 12 and 19 (Tuesdays) 

West Babylon . . . May 14, 18 and 21 

West Babylon . . . Jun 8, 11, 15, 18 and 22 (5 EVENING CLASSES) 

Woodbury . . . . . Jun 10, 17 and 24 (Wednesdays) 

REGISTER ON LINE AT MLSLI.COM OR CALL TO 

REGISTER 631-661-4800 EXT. 21 

SEATS ARE LIMITED! 

NEW PROGRAM FOR ALL AGENTS 

ONLINE FORMS & REAL ESTATE 

DOCUMENTS WITH INSTANET 

$49 LIBOR MEMBERS • INCLUDES 3 HOURS NYS CE CREDIT 

Use the INSTANET ONLINE FORMS product to save $$$, 

work more efficiently and begin the transition to a PAPER- 

LESS and GREEN business! 

• Complete ALL your MLS, LIBOR and NY required forms online 

and save to your pc 

• E-Mail and Fax (Unlimited) important documents to clients 

• Upload listing to Stratus as a worksheet – No need to retype 

• Secure record keeping – Reduce Risk 

CONSIDER TAKING ONE OF THE INSTANET CLASSES OR WEBINARS TO 

LEARN MANY MORE POWERFUL FEATURES OF THIS PROGRAM! 

Jackson Heights . Feb 12, Apr 21, Jun 9 . . 9:00am – 12:00pm 

Woodbury . . . . . Feb 18, Apr 6, Jun 2 . . 9:00am – 12:00pm 

West Babylon. . . Mar 11, May 12. . . . . . 9:00am – 12:00pm 

Riverhead . . . . . Mar 18, May 7 . . . . . . 9:00am – 12:00pm 

To access the forms: 

1. Go to Stratus ADD/EDIT 

2. On the left side menu, click the link for Instanet Online Forms 

3. Click on the CLICK HERE next to the Instanet logo 

4. If it's your first time opening Instanet, you will be required to accept the 

terms and conditions and run a "pre-flight" system check to make sure 

your computer has all that's needed for Instanet. Follow their recommendations. 

5. At the Instanet main page, click on Work With Individual Forms 

6. Click on the "+" sign next to MLS Long Island to see the list of forms. 

7. Select the form you would like to use, then on the right side, click on 

CREATE NEW FORM 

8. The form will open and fields can be completed by clicking with your 

mouse and typing in the box. 

9. Use the icons at the top to PRINT, FAX or E-MAIL forms for signature 

GREAT NEW CLASS 

LEARN TO USE YOUR DIGITAL CAMERA 

$29 LIBOR Members • $39 Non-Members 

Bring your camera and FINALLY learn how to move photos 

from your camera to the computer! You'll label the photo files 

for easy identification and set up folders to hold and organize 

each property's photos. You’ll also learn how to upload 

photos to Stratus for marketing your listings. Class will also 

cover how to e-mail photos and post on websites for sharing. 

Must have basic knowledge of your 

camera and MUST BRING YOUR CAM- 

ERA LOADED WITH PHOTOS (preferably 

real estate) AND THE USB CABLE. 

Any brand of camera can be used. No 

CE Credit Available 

West Babylon. . May 20 ..9:30am – 1:30pm 

FREE STRATUS DEMO 

MLS STRATUS DEMONSTRATION 

Three hour lecture demonstration (NOT hands-on). Instructor 

will show the Stratus system on an overhead projector. All 

functions of Stratus will be covered: Searching, CMA, Update, 

Info Center, Public Records, Add/Edit, Prospect Match, 

Contacts. All members welcome – reservations are a MUST! 

No Pre-requisite. 3 Hours (1 meeting) 

LIBOR MEMBERS WITHOUT CE: FREE 

LIBOR MEMBERS WITH CE: $25 

3 HOURS CE NOW AVAILABLE!!! 

West Babylon . . Feb 9 . . . . . . . . . . . . 9:30am – 12:30pm 

Woodbury . . . . . Mar 6, Jun 22. . . . . . . 10:00am – 1:00pm 

Jackson Heights . May 20 . . . . . . . . . . . 10:00am – 1:00pm 

STRATUS HANDS-ON 

ALL NEW! 

7.5 HOUR STRATUS HANDS-ON CLASSES 

EARN CE CREDITS 

$75 Each Class — Take 3 Modules and $ave! 

GET ORGANIZED WITH STRATUS 

Become a MARKET EXPERT! Print property lists by street 

and by price range. Use all the different reports to make it 

easier to MEMORIZE listings. Design a basic report and print 

your daily update. Create your HOUSE FARM by isolating 

300 public records by street in the area you will target and 

print simple LABELS to send a marketing piece. Finally, you 

will get started on your PEOPLE FARM using the Stratus 

contacts function to track key info on everyone you know! 

Woodbury . . . . . Feb 5, Jun 12 . . . . . . . 9:00am – 5:30pm 

Jackson Heights . Mar 4, May 7 . . . . . . . 9:00am – 5:30pm 

West Babylon. . . Apr 6 . . . . . . . . . . . . 9:00am – 5:30pm 

STRATUS TOOLS TO MOTIVATE SELLERS 

Today’s sellers need information, data and guidance. 

Develop your skills in preparing a comprehensive CMA 

using detailed comps(including private sales) and a professional 

presentation including market plan and market statistics. 

You will create simple mailing labels to send a listing 

announcement. You will learn to use the INSTANET online 

forms and complete the MLS listing form and upload to 

Stratus. You will upload photos, attach important documents 

and prepare for showings and the open house. 

West Babylon. . . (Sat) Feb 7, Apr 28 . . . 9:00am – 5:30pm 

Woodbury . . . . . Feb 11, June 23 . . . . . 9:00am – 5:30pm 

Jackson Heights . Mar 12, May 14 . . . . . 9:00am – 5:30pm 

STRATUS TOOLS TO MOVE BUYERS 

You can’t have buyers knowing more than you do! WOW 

them with detailed searches, automatic e-mails with prospect 

match, use the Stratus MAP searches to show the area with 

schools, shopping etc. You will search public records for possible 

foreclosures. Learn to print mailing labels from Stratus 

public records for your prospecting, use the financial calculators 

to pre-qualify and design custom reports that make sense 

to your buyers and help move them to sign that contract! 

West Babylon. . . (Sat) Feb 28, Apr 17 . . 9:00am – 5:30pm 

Woodbury . . . . . Feb 23, Jun 29 . . . . . . 9:00am – 5:30pm 

Jackson Heights . Mar 24, May 21 . . . . . 9:00am – 5:30pm 

LISTINGBOOK TOOLS 

LISTINGBOOK TOOLS FOR PREMIUM 

CUSTOMER SERVICE 

Listingbook is a FREE tool that empowers agents to offer an 

enhanced real estate experience to consumers by giving them 

an account into a secure website for communications, searching, 

identifying favorite listings and allows sellers to see how 

often their property has been viewed. This hands on course 

will get you started using this revolutionary product and covers 

the following functions: creating buyer/ seller accounts, picking 

specific listings for consumers, daily Morning Report, setting 

property watches and notes for your consumers and 

more. Must have active Stratus login to use the product. 

Approved for 7.5 Hours CE Credit 

$75 LIBOR Members/$95 Non Members 

Can Be Combined With Other 3 Class Packages — 

Ask About These $avings! 

Woodbury . . . . . . Feb 10, Feb 26, Apr 3. . 9:00am – 5:30pm 

May 12 

West Babylon . . . Feb 25, Mar 24, May 4. . 9:00am – 5:30pm 

Jun 13 

Jackson Heights. . Feb 25, Apr 14, May 27. . 9:00am – 5:30pm 

Riverhead. . . . . . Mar 19, May 13 . . . . . 9:00am – 5:30pm 

GREAT TECHNOLOGY LECTURES 

TECHNOLOGY: GIVE CONSUMERS THE 

INFO THEY REALLY WANT 

West Babylon . . . Feb 11. . . . . . . . . . . . . 9:00am – 5:30pm 

Woodbury . . . . . Apr 1. . . . . . . . . . . . . . 9:00am – 5:30pm 

Today's consumers demand easy access to listings, Realtors 

and information about the buying and selling processes – all 

using the latest technology. Give them what they want using 

technologies such as IDX on your website, Listingbook for 

online communications, buyer/seller guides, school and communities 

information, financial calculators, easy access to all 

MLS/LIBOR forms via Instanet, nationwide exposure for listings 

on sites such as AOL, Realtor.com, Trulia, Craigslist, E-Bay, etc; 

great photos, photo tours and video tours. We'll look at some 

great avenues to get the information out there including a FREE 

website on Google and A FREE blog using Wordpress. 

$75 LIBOR Members/$95 NON Members • 7.5 Hours CE Credit 


Ask About The $pecial Pricing! 

TECHNOLOGY CAN PROTECT YOU FROM 

FINES AND PENALTIES 

West Babylon . . . Mar 21 (SAT) . . . . . . . . 9:00am – 5:30pm 

Woodbury . . . . . Jun 19. . . . . . . . . . . . . 9:00am – 5:30pm 

The internet information and technology tools available today 

can assist agents and brokers greatly in managing their risk. 

Well look at issues such as DOS, CE, Licensing, MLS Rules 

and automatic fines, all required real estate forms and how to 

access, fax and save through Instanet, online property research 

using public records and tax databases, e-mail risks and how to 

minimize with tools such as RPost to certify your e-mails, the 

transaction management program in Instanet, saving a document 

as PDF, computer backup, scanners, Outlook and the 

wealth of information online to keep you informed and up to date 

on Fair Housing, Do Not Call, CAN SPAM through websites 

such as NAR, NYSAR, HUD, DOJ, FCC, FTC, and RISMedia. 

$75 LIBOR Members/$95 NON Members • 7.5 Hours CE Credit 


Ask About The $pecial Pricing! 

GENERAL COMPUTER TRAINING 

COMPUTER ESSENTIALS USING 

WINDOWS XP AND THE INTERNET 

Covers the computer BASICS that everyone must know. 

Learn how to find lost files, create new folders, change 

your desktop, surf the Internet using IE, Google and more. 

4 hours hands-on (1 Meeting) 

PREREQUISITES: NONE. NO CE AVAILABLE. 

TUITION: $49 LIBOR Members/$99 Non Members 

West Babylon . . . Mar 17 . . . . . . . . . . . 9:30am – 1:30pm 

FLYERS, LETTERS AND MAILING LABELS: 

Microsoft WORD 2007 for the Real Estate Professional 

Create property flyers, client letters and mailing labels for 

mass mailings. Save and find new documents, insert photos, 

add borders, change fonts. 4 hours hands-on (1 meeting) 

PREREQUISITES: Computer Essentials or equivalent, 

some MS Word. NO CE AVAILABLE. 


Jackson Heights. . Apr 1 . . . . . . . . . . . . 10:00am – 2:00pm 

West Babylon . . . Jun 16. . . . . . . . . . . . 9:30am – 1:30pm 

E-MARKETING AND CONTACT MANAGEMENT 

USING MICROSOFT OUTLOOK 2007 

Learn how to set up Outlook Today, change Views, manage E- 

Mail inbox, create folders, set up multiple signatures, create 

and manage Contacts categories and filters, create mailing 

labels, Calendar, recurring appointments. Does not cover 

Outlook Express. 4 hours — NO CE AVAILABLE 


Woodbury . . . . . . Mar 5 . . . . . . . . . . . . 10:00am – 2:00pm 

West Babylon . . . Apr 27. . . . . . . . . . . . 9:30am – 1:30pm 

TO REGISTER FOR GENERAL AND 

COMPUTER EDUCATION PROGRAMS: 

REGISTER BY TELEPHONE: 

631-661-4800 x 21 

TO REGISTER ON-LINE OR FOR DIRECTIONS, 

VISIT OUR WEBSITE AT MLSLI.COM

REAL ESTATE EDUCATION 

CONTINUING EDUCATION 

RSC, WEST BABYLON, 9:00AM-5:30PM 

2/10 — Buyer Brokerage & Ethics: The Right Choices❋ 

2/26 — Commercial Real Estate: All About Leases 

3/9 — Real Estate Consulting 

3/17 — Disclosure — Insulation from Litigation: 

Safeguards & Precautions❋ 

3/26 — Buying, Listing & Selling Foreclosures 

RSC, JACKSON HEIGHTS, 9:00AM-5:30PM 

2/17 — A Better CMA; Applying the Principles of 

Residential Appraising (not a CMA Computer 

Course) 

2/25 — Home Inspection Survival Guide for Realtors: 

Understanding the Process for a Smoother 

Transaction 

2/27 — Professional Conduct Has Its Rewards✔❋ 

3/2 — Check Up from Neck Up... A Tune-Up For Agents❋ 

3/10 — Property Management: Managing 1-4 Family 

Homes 

3/25 — Counseling Your Buyer Client and/or Customer... 

How To Spend Less Time with Buyers & Make 

More Money 

RSC, RIVERHEAD, 9:00AM-5:30PM 

2/13 — Introduction to Commercial & Investment Real 

Estate — Concepts & Terms 

2/18 — Counseling Your Buyer Client and/or Customer... 

How To Spend Less Time with Buyers & Make 

More Money 

3/3 — Our Business Is Changing; Are You Up To Date?❋ 

3/6 — Mortgage Knowledge To Save Your Deal 

3/11 — Short Sales in Today’s Real Estate Market✔❋ 

RSC, WOODBURY, 9:00AM-5:30PM 

2/9 — Don’t You Wish You Hadn’t Done That✔❋ 

2/11 — Property Management: Managing 1-4 Family 

Homes 


3/24 — Disclosure — Insulation from Litigation: 

Safeguards & Precautions❋ 

3/31 — Introduction to Commercial & Investment Real 

Estate: Tools of the Trade 

BEST WESTERN MILL RIVER MANOR, 

ROCKVILLE CENTRE, 8:30AM-5:00PM 

2/13 — Commission Entitlement, Protection & License 

Law❋ 

2/19 — Buying Listing & Selling Foreclosures 

2/24 — Our Business Is Changing; Are You Up To Date?❋ 

3/3 — Consumer-Based Marketing 

3/12 — Commercial Real Estate: All About Leases 


✔ APPROVED FOR 3 HOURS OF FAIR HOUSING TRAINING AS 

REQUIRED BY DEPT. OF STATE FOR THOSE RENEWING THEIR 

LICENSE AFTER 7/1/08. 

❋ ALSO APPROVED FOR AND SATISFIES NAR MANDATED ETHICS 

COURSE REQUIREMENT FOR REALTORS NEEDED BY 12/31/12. 

LICENSING 

75-HOUR SALESPERSON 

QUALIFYING COURSES 

Jackson Heights . 9AM – 5:30PM . . . . Feb 2-6, 9-12, 13* 

Woodbury . . . . . 9AM – 5:30PM . . . . Feb 17-21, 23-26, 27* 

West Babylon. . . 9AM – 5:30PM . . . . Mar 2-6, 9-12, 13* 

Woodbury . . . . . 9AM – 5:30PM . . . . Mar 9-13, 16-19, 20* 

Riverhead . . . . . 9AM – 5:30PM . . . . Mar 23-27, 30, 31, 

Apr 1-3* 

*Exam date till 6:30PM 

TUITION: 

SALESPERSON: $295 – register 5 business days before 

course; $325 – thereafter. 

BROKER: $175 – LIBOR Members; $195 – Non-members. 

45-HOUR BROKER QUALIFYING COURSES 

West Babylon. . . 9AM – 5:00PM . . . . Feb 9-13, 17, 18* 

Jackson Heights . 9AM – 5:00PM . . . . Mar 16-20, 23, 24* 

Woodbury . . . . . 9AM – 5:00PM . . . . Apr 27-May 1, 4, 5* 



ROOKIE NEW AGENT TRAINING COURSE 

Approved for 7.5 hours NYS CE credit. This course 

assists new agents in launching their career in the real estate 

profession. You will learn how to start listing & selling effectively, 

work with customers & clients, prospect, market & 

overcome objections, negotiate effectively to close the sale, 

work within the guidelines of the law & REALTOR® Code of 

Ethics & MLS Rules, control your success! 

Mar 11-13 . . . . . . Jackson Heights . . . . . 9:00AM – 1:00PM 

Apr 6-8 . . . . . . . . West Babylon . . . . . . . 9:00AM – 1:00PM 

TUITION: w/o CE with CE 

LIBOR Licensing Students/Members . . .$25 . . . . . .$65 

Non-members . . . . . . . . . . . . . . . . . . . .$150 . . . . .$215 

30-HOUR REMEDIAL GAP COURSE 

Approved for 22.5 hours NYS CE credit. Passing the exam 

at the conclusion of this course is necessary to receive a completion 

certificate and receive 22.5 credits towards your license. 

If you have not done so, after completing this course, you will 

still need to complete 3 hours of approved fair housing training 

before renewing your license as required by Dept. of State. 

Feb 7, 8, 21, 22, 28*. West Babylon. . . . . . . 9:00AM – 5:00PM 

Weekends 

Mar 16-19, 20* . . Riverhead . . . . . . . . . 9:00AM – 5:00PM 

Apr 20-23, 24*. . . Woodbury . . . . . . . . . 9:00AM – 5:00PM 


TUITION: $125 LIBOR Graduates — Register 5 business 

days before course; $135-thereafter 

$145 Non-members — Register 5 business 

days before course; $155-thereafter 

REALTOR SHORT SALE CERTIFICATE 

PROGRAM 

Approved for 15 hours NYS CE credit. All you need to 

know to effectively execute a short sale transaction. 

Feb 23-24 . . . . . . West Babylon . . . . . . . 9:00AM – 5:30PM 

Mar 25-26 . . . . . . Woodbury . . . . . . . . . 9:00AM – 5:30PM 

Apr 27-28 . . . . . . Best Western East End . 9:00AM – 5:30PM 

Hotel, Riverhead . . . . . 9:00AM – 5:30PM 

TUITION: $175 LIBOR Members, $225 Non-members 

INSTRUCTORS: Cathy Nolan Esq. & Philip Tesoriero 

Satisfies 3 hours of Fair Housing training as required by Dept. of 

State (on second day of class). Satisfies 2.5 hours of Mandatory 

Ethics training as required by NAR (on second day of class) 

MAKING MORE MONEY WITH MORTGAGES 

Approved for 22 1/2 hours NYS CE credit. This course is 

for real estate agents & brokers who are seeking the ability to 

legally participate in the mortgage industry, mortgage companies 

wanting to train new loan officers and real estate agents 

wanting to learn more about the mortgage process. 

Feb 18, 19, 20 . . . Jackson Heights . . . . . 9:00AM – 5:30PM 

Apr 1, 2, 3 . . . . . West Babylon. . . . . . . 9:00AM – 5:30PM 


INSTRUCTOR: Dominick Sutera 

FAIR HOUSING AWARENESS IN SALES 

& RENTALS 

Approved for 3 hours of Fair Housing Training as required by 

Dept. of State for those renewing their license after July 1, 2008. 

A revision to Section 441 of the Real Property Law now requires 

all real estate licensees who are renewing their license on or 

after July 1, 2008, to complete 22.5 hours of approved continuing 

education, three hours of which must include fair housing. 

This course satisfies that 3-hour requirement. (This new law 

does not apply to those exempt from the CE requirement.) This 

fair housing program is guaranteed to provide you with insight 

for applying the law to “real world‰ real estate. 

Feb 26. . . . Jackson Heights . . . . Instructor: Don Scanlon 

Mar 23 . . . Woodbury . . . . . . . . Instructor: Nick Gigante 

TIME: 2:00PM – 5:00PM 


THE RULES OF THE REAL ESTATE GAME 

— MLS PROCEDURES & RULES: 

SITUATIONS AND SOLUTIONS 

Approved for 3 hours NYS CE credit. Effective participation 

in the MLS directly impacts your earning ability and helps you 

avoid penalties and violations. Topics covered include how to 

properly fill out agreements, getting offers presented, handling 

multiple offers, registering binders, follow-up to protect yourself 

and much more. This course is important for new agents! 

Mar 31 . . . . . . . . Jackson Heights . . . . . 9:30AM – 12:30PM 

May 27. . . . . . . . Woodbury . . . . . . . . . 9:30AM – 12:30PM 

Jul 30 . . . . . . . . Riverhead . . . . . . . . . 9:30AM – 12:30PM 



CEA TRAINING PROGRAM 

3.75 NYS CE Credit Approved. New Commission Escrow Act 

- Understanding the Realtors and the Public’s Obligations and 

Protections — The Commission Escrow Act goes into effect on 

January 1, 2009! This course will provide you with an overview 

of the new law, the requirements Realtors must follow to get the 

benefit of the Act, the necessary paperwork that must be filed, 

how to file it and how to fill it out, and important timeframes you 

must know about. Receive answers to all your CEA questions 

and learn what you must do to protect your commissions. 

WEST BABYLON 

Feb 13. . . . 9:00am-1:00pm 

Feb 21. . . . 9:00am-1:00pm 

Feb 27. . . . 1:00pm-5:00pm 

WOODBURY 

RIVERHEAD 

Feb 6 . . . . 9:00am-1:00pm Feb 9 . . . . 9:00am-1:00pm 

Feb 10. . . . 9:00am-1:00pm Feb 9 . . . . 2:00pm-6:00pm 

Feb 10. . . . 2:00pm-6:00pm Feb 19. . . . 9:00am-1:00pm 

Mar 7 . . . . 9:00am-1:00pm Mar 5 . . . . 9:00am-1:00pm 

Mar 5 . . . . 2:00pm-6:00pm 


DESIGNATION & PROFDEVELOPMENT 

NEW YORK STATE REALTOR 

INSTITUTE 

2009 GRI, SRES & ABR DESIGNATION 

COURSE OFFERINGS (All NYSAR Classes) 

Each module approved for NYS CE credit. 

To register for GRI courses, call NYSAR @ 518-463-0300. 

WEST BABYLON • 8:30AM-5:30PM 

GRI 401 . . . . . . Sep 24-25 GRI 406 . . . . . . Nov 5 

GRI 402 . . . . . . Oct 5-6 GRI 407 . . . . . . Jun 1 

GRI 403 . . . . . . Mar 2 GRI 408 . . . . . . Apr 21 

GRI 404 . . . . . . Mar 3 GRI 409 . . . . . . May 4-5 

GRI 405 . . . . . . Sep 10 

ABR — ACCREDITED BUYER 

REPRESENTATIVE DESIGNATION COURSE 

Approved for 22.5 hours NYS Continuing Education Credit. 

WOODBURY • 8:30AM-5:30PM 

R . . . . . . . . . . May 5&6 

ELECTIVE . . . . . May 8 

RI 402 . . . . . . . Mar 26-27 

NOTARY PUBLIC 

JACKSON HEIGHTS 

Feb 26. . . . 9:00am-1:00pm 

Feb 28. . . . 9:00am-1:00pm 

Mar 9 . . . . 9:00am-1:00pm 

NOTARY PUBLIC TRAINING SEMINAR 

Want to become a notary but concerned about the exam? 

This program prepares by getting you acquainted with the 

format of the state exam, receive study booklets, application 

form and instructions, be familiar with types of questions 

asked and learn what is expected in order for you to 

be confident and prepared to pass the notary exam. 

Mar 31 . . . . Jackson Heights May 27. . . . Woodbury 

TIME: 1:30PM – 4:30PM 

INSTRUCTOR: Sal D’Agate, REALTOR 

TUITION: $35 LIBOR Members • $55 Non-members 

RI 403 . . . . . . . Oct 26 

RI 404 . . . . . . . Oct 27 

SRES. . . . . . . . Jun 2-3 

CBR — CERTIFIED BUYER 

REPRESENTATIVE DESIGNATION COURSE 

Approved for 22.5 hours NYS Continuing Education Credit. 

Feb 17, 18, 19 . . . . Dante Caterers . . . . . . . Before/After 1/27 

Jackson Heights 

Mar 3, 4, 5 . . . . . . Woodbury . . . . . . . . . . Before/After 2/10 

Apr 21, 22, 23 . . . . Best Western East End. . Before/After 3/31 

Riverhead 

INSTRUCTOR: 

James V. Pugliese, ABR, CRB, GRI, CBR, CSP, ITI, SRES 

TIME: 9:00am – 5:30pm 

TUITION: 

Before: $345 LIBOR Members • $375 Non-Members 

After: $375 LIBOR Members • $405 Non Members 

CIPS— CERTIFIED INTERNATIONAL PROP- 

ERTY SPECIALIST DESIGNATION COURSE 

Presented by LIBOR in conjunction with NYS Assocation of 

Realtos. Approved for 7 hours NYS CE credit. To register for 

CIPS courses, call NYSAR @ 518-463-0300. 

JACKSON HEIGHTS • 8:30AM-5:30PM 

CIPS LOCAL MKT. Apr 29-30 RI 406 . . . . . . . Nov 4 

RI 401 . . . . . . . Feb 23-24 RI 407 . . . . . . . Oct 1 

RI 405 . . . . . . . Sep 9 


TUITION: $320 LIBOR Members • $345 Non-Members 

REGISTER 10 DAYS EARLY: SAVE $25!


PROFESSIONAL SERVICES DIRECTORY 

ATTORNEYS 

DIAMOND LAW GROUP – Richard Klein 

516.663.5151 • www.diamondlawgroup.com 

BUSINESS CAREER 

OPPORTUNITIES 

COACH REALTORS 

631.360.1900 x 201 • coachrealtors.com 

DANIEL GALE SOTHEBY’S 

516.627.4440 x 222 • www.danielgale.com 

ERA TOP SERVICE REALTY 

718.441.5800 • www.ERATopService.com 

J. PHILIP REAL ESTATE, LLC 

914.923.9799 • www.jphilip.com 

KEYSTONE REALTY 

800.390.8083 • www.joinkeystone.com 

PULTE HOMES 

631.363.3012 • www.pulte.com/longisland 

RE/MAX OF NEW YORK, INC. 

516.832.6601 • www.remax.com 

CHARLES RUTENBERG REALTY 

516.575.7500 • www.crrli.com 

WEICHERT REALTORS 

800.301.3000 • www.weichert.com 

BUSINESS PRODUCTS 

LONG ISLAND REAL ESTATE PODCAST – 

Bruce Chanoff 

516-263-9529 • www.lirealestatepodcast.com 

CHIROPRACTIC SERVICES 

CHIROPRACTIC OFFICES OF QUEENS 

(718) 386-7000 

DR. JOHN D. ROMERO 

(718) 782-8159 

ENGINEERS 

TAUSCHER, CRONACHER PROFESSIONAL 

ENGINEERS, P.C. 

866.697.7348 • www.NewYorkPE.com 

Home Inspections by Licensed Professional 

Engineers Since 1957 

EXPEDITORS 

LONG ISLAND EXPEDITORS – 

Dean Koutsoumbis 

516-698-0005 • www.longislandexpeditors.com 

HOME INSPECTION 

A-PRO HOME INSPECTION – Carlos Roldan 

516-445-4697 • www.inspectorgadget.us 

HOME INSPECTION (CONTINUED) 

FEDERATED CONSULTANT SERVICES – 

Rich Merritt 

800.422.4473 • www.fcsinsp.com 

HOUSE GUARD HOME INSPECTIONS – 

Anita Bleier 

516.670.9060 • www.houseguardofamerica.com 

HOUSE MASTER OF LONG ISLAND – 

Matt Kaplan 

800.805.1122 • www.longisland.housemaster.com 

METICULOUS HOME INSPECTION – 

Ray Wilson 

631.902.6761 • www.meticuloushomeinspection.com 

NATIONAL PROPERTY INSPECTORS 

516.662.5050 • www.npi-li.com 

SAFE HARBOR HOME INSPECTIONS – 

Jim Ruppert 

631.275.8080 • www.safeharborinspections.com 

FINANCIAL SERVICES 

LONG ISLAND REALTORS FEDERAL 

CREDIT UNION 

631.661.4800 x 371 • www.lirfcu.com 

INSURANCE/LEGAL 

JAY S. GOOTENBERG 

Office: 631.325.9107 • Cell 516.322.7143 

RESSI Listingbook Errors & Omissions, 

Commercial & Personal 

INSURANCE PLUS 

516.922.1200 • www.insuranceplusny.com 

MEDIA 

LIBOR MEMBERSHIP DIRECTORY 

631.661.9126 

MLS/LIBOR — WEB SITE 

631.661.4800 x 348 • mlsli.com, mlsstratus.com 

THE REALTOR ADVERTISING 

631.661.4800 x 348 

MEMBER BENEFITS 

NYSAR 

518.463.0300 x 229 • www.nysar.com 

MORTGAGES 

AMB FUNDING – Arthur Brasco 

866.775.5212 

BEST RATE CAPITAL – Nathan Baram 

631.360.0003 • www.bestratecapital.com 

GREAT NORTHERN MORTGAGE – Igor Noble 

516.567.2076 • www.getlowrate.com 

WELLS FARGO HOME MORTGAGE 

631.752.5074 • www.wellsfargo.com 

MOVING & STORAGE 

LONG ISLAND MOVING AND STORAGE – 

Diane Falvo 

516.753.1100 • www.longislandmovingandstorage.com 

PERSONAL FINANCE 

COMMISSION EXPRESS – Dino Liso 

718.847.8600 • www.commissionexpress.com 

PROMOTION/DESIGN 

DSI DESIGN GROUP 

516.676.6089 

REAL ESTATE FORECLOSURES 

FORECLOSURE UPDATE 

516.487.6491 • www.newyorkforeclosures.com 

REMOVAL SERVICE 

1 800 GOT JUNK – Paul Spateri 

631.265.3608 • www.1800gotjunk.com 

TECHNOLOGY 

MLS PRODUCTS & SERVICES 

631.661.4800 x 11 

MLS TECH SUPPORT SERVICES 

631.661.TECH 

TITLE SERVICES 

ATLANTIS LAND SERVICE 

516.487.3635 • www.atlantislandservices.com 

LUXURY TITLE AGENCY SHAWN ELLIOTT 

516.864.3025 • www.luxurytitleagency.com 

TRAINING 

NYREALESTATECONFERENCE.COM 

800-359-3905 • www.NYRealEstateConference.com 

VIRTUAL TOUR 

VIRTUAL TOUR GROUP – Mazdak Hobbi 

888.440.5730 • www.virtualtourgroup.com 

THE SERVICES DIRECTORY IS PROVIDED AS 

AN ADDITIONAL SERVICE. 

THE PUBLISHER DOES NOT ASSUME ANY 

LIABILITY FOR ERRORS OR OMISSIONS. 

GET THE EXPOSURE YOUR COMPANY DESERVES… 

Call Us…Place Your Ad…Grow Your Business! 

Advertise your company in “The REALTOR®” paper PROFESSIONAL SERVICES DIRECTORY. 

Rates starting as low as $100 per issue. Call Donnalee at 631-661-4800 Ext. 348 

for more information on this affordable advertising opportunity.

NY REAL ESTATE CONFERENCE 

Thursday, February 26, 2009 

P 

ONSORSORS 

Antun's 

Antunsn FREE PARKING 

96-43 Springfield Blvd. 

Queens Village, NY 

Coffee & Network: 9:00 AM 

Workshop: 9:30 AM- 4:45 PM 

Tuition: $125 

Paid for by our Sponsors 

HERE ARE SOME OF THE IMPORTANT 

THINGS YOU WILL LEARN: 

Get your career back on track; a 6-Step 

Plan to rebuild your real estate career. 

The 8 Best Secrets of America’s top real 

estate agents revealed. 

How to show buyers why NOW is the best 

time to buy, resulting in MORE SALES! 

How bad is the market, really? Find out 

the truth about our market and what 2009 is 

really going to be like! 

At last, a Crashproof Strategy for your office 

to operate from in 2009 and into 2010. 

How to get sellers to lower their price so 

your listings SELL quickly. 

How to NOT lose business when it’s a 

Short Sale situation. 

TOP New York Speakers Come Together 

This event will help you rebuild your real estate career for guaranteed success in 2009! 


Roque 

Torres 

Steve 

Harney 

Darryl 

Davis 

Seating is very limited so don’t delay! 

Ask Your Office Receptionist for the “Complimentary Ticket Request Form” 

or call 1-800-395-3905. www.NYRealEstateConference.com

There’s no more powerful vehicle to take 

you where you want to be than RE/MAX. 

Whether it’s more advertising, more Internet Leads, or more advanced educational 

opportunities through our exclusive TV satellite network - RE/MAX leaves all the 

competitors in the dust. 

This year alone, RE/MAX agents will spend more than $1 billion promoting their 

listings, themselves and the RE/MAX name. Every one of those dollars will benefit 

every other RE/MAX Agent in the system. 

Brand matters. That’s why RE/MAX agents average more sales than other real 

estate agents. 

Whether you are a seller, buyer or independent real estate agent, reward yourself 

with the quality you deserve. Share the power of RE/MAX. 

of New York, Inc. 

(800) 54 -9217 

remax.com 

Magazine 

RE/MAX is the nation’s No. 1 real estate franchise - and the No. 10 

franchise overall - according to Entrepreneur magazine’s 29th 

Annual Franchise 500 survey.

Clementine Becker 

Mary Becker 

Arlene D. Beckles 

Sharon O. Beckles 

Roberts 

Harmeet S. Bedi 

Kevin C. Bednar 

Ambica Beepath 

Linda R. Beggs 

Paramjit S. 

Begowal 

Julia R. Bejarano 

Bella Bekker 

Helene A. Bekritsky 

Stephanie R. 

Belanich 

Helen Belesis 

Gerdy Beleut 

Susan N. Belgrave 

Audrey Bell 

Craig Bell 

Renah R. Bell 

Karin L. Bellamore 

Catherine Belle 

Luisa Belletti 

Michael Bello 

Sandi M. Bellucci 

Henry Beltran 

Lizette Beltran 

Jesus N. Benavides 

Corinne 

Bencivenga 

AnneMarie Bender 

Belinda G. Bender 

Robin Bender 

Rachel Benedetti 

Carol A. Benedetto 

Mary F. Benedetto 

Patricia A. 

Benedetto 

Shari L. Benmen 

Andrew Benners 

Barbara Bennett 

Lillian R. Bennett 

Jose M. Bentancur 

Joaquin A. Benzant 

Lynn Anne 

Berbenick 

Chrysoula Bercetis 

Mishelle M. Berger 

Calo 

David G. Bergmann 

Ellen Berkowitz 

Robert J. Berlinski 

Stacy Berman 

Bernadin Bernard 

Yvonne L. Bernard 

Elaine S. Bernstein 

Manuel Bernstein 

John Berookhim 

Richard Berscak 

Linda Bertino 

Kim M. Bertolino 

Loretta Bertucelli 

Mohamed Bessai 

Thomas K. 

Bettenhauser 

Diane Betz 

Ghassan N. 

Beydoun 

Nancy Beyrer 

Ruzanna Bezjian 

Anand K. Bharat 

Gita Bhattacharji 

Prithipal S. Bhatti 

Bhola Bhikham 

Leonora A. Bianco 

Robert J. Bianco 

Silvio Bianco 

Steven Bianco 

Stacy A. Bibbo 

Jeffrey R. Biegel 

Eythemia E. Bifulco 

Nora N. Bily 

Georgina P. Binder 

Chris Biniaris 

Gabrielle Binler 

Domenic V. Biondi 

Wartanoosh 

Biramian 

Marc Birbal 

Wendie S. Birdsell 

Branko B. Birovcec 

Theresa A. Birt 

Peter L. Biscardi 

Blanca H. Bisharah 

Irma Bishay 

Gabriele Bishop 

Janet R. Bishop 

Mary A. Bishop 

Robert P. Bishop 

Nainsingh Bist 

Ronald A. Biswas 

Samarendra 

Biswas 

Angela M. Bitsimis 

Richard Bitzer 

Dawn Bjertnes 

Lomauro 

Kelly A. Blaine 

Suzanne K. Blair 

Jean Pierre Blaise 

Brian R. Blake 

Michael I. Blake 

Ann C. Blanco 

Grace Blank 

William Blau 

Alice A. Bleier 

Sharlene Bleier 

Bart A. Bleiweiss 

Raynald J. Blemur 

Robert Blomquist 

Laura A. Bloom 

Maria Blosse 

William E. Bluemel 

Gail Blumenstein 

Lavarn G. Blyden 

Michele Bocchichio 

Richard D. 

Bocchieri 

Christopher J. 

Boeckhaus 

Jan Karel Boersma 

Jo Ann Boettcher 

Ronald M. 

Boettcher 

Ana Bogdan 

Jeffrey Boim 

Judith M. Bokstrom 

Elyssa R. Bolton 

Judy L. Bolton 

Gerrard 

Victor Bommarito 

Gary S. Bonanno 

Lucille Bonanno 

Russell Bonanno 

Veronica A. 

Bonanno 

Agnes Bonas 

Michelle 

Bonavitacola 

Michele L. Bondy 

Alba M. Bonfilio 

Mary Bongiorno 

Pinuccia M. 

Bongiorno 

Ernest F. Bonifazio 

Claudia Bonilla 

Pablo S. Bonilla 

Darla J. Bonner 

Xiomara Y. Bonnet 

Sharon M. Bonny 

Lisa Bonomi 

Funsch 

Marilyn Bonsignore 

Brent R. Bookmiller 

Donna K. Borchick 

Nancy M. 

Bordeman 

Lester Borenstein 

Eileen Boretz 

Elias Borjas 

Mark Borkowski 

Helena A. Born 

Joseph B. Born 

Sergey Borohov 

Annette J. Borras 

Cathy Boskoff 

Barbara A. Bosse 

Carano 

Gail R. Botchler 

Maya Botier 

Assuntina Botticelli 

Bonnie L. Botto 

Madalyn J. Bottone 

Webert Boucicaut 

Evangelia 

Boudourakis 

Todd Bourgard 

Betty B. Bouziotis 

Leila Bouzourene 

Diane M. Bownes 

Karen R. Boyd 

Karlief Boyd 

Vishwanauth 

Boywah 

Donald G. Bracken 

Diane Braden 

Dennis P. Brady 

Margaret M. Brady 

Winnie Brady 

Sandra Braga 

Alfonso 

Renita R. Braham 

John F. Branca 

Samantha K. 

Branch 

Susan M. Brand 

Audrey K. Brandt 

Melissa L. Brandt 

Lindsay A. 

Brannigan 

Nancy Brannigan 

Beverley T. 

Brathwaite 

Mavis Y. Brathwaite 

Albert Brayson 

Sean M. Breaton 

David Brecher 

Cory S. Breines 

Nancy A. Breitbarth 

Linda E. Brennan 

Maureen Brennan 

Richard J. Brennan 

Marie W. Breslin 

Maureen A. Breslin 

Rachel Breslin 

Gaimo 

Lillian R. Bretone 

Maria Breyer 

August F. Bricker 

Dominick Brienza 

Joseph A. Brigandi 

Edison S. Briones 

Marie C. Briscoe 

Max Brittain 

Sophia B. Brivio 

Patrice Brocco 

Vernette J. 

Brockington 

Eileen Brod 

Samantha Brodar 

Patricia C. Brogan 

Carol Bromm 

Frances Broncatello 

Elizabeth F. 

Bronfman 

Peter D. Bronson 

Eric W. Brooks 

Andrea Brovetto 

Angela E. Brown 

Icyline Brown 

Jacqueline A. 

Brown 

Kelly A. Brown 

Maryann Brown 

Consuela Brown 

Wilson 

Eva Browne 

Randolph Browne 

Miriam J. Browning 

Patricia Brownstone 

Carolyn E. 

Bruccoleri 

Elton A. Bruce 

Winston Bruce 

Linda Brunning 

Frank Bruno 

Joseph T. Bruno 

Pierre Fritz Bruno 

Robert Bruno 

Rose Mary Bruno 

Stephen A. Bruno 

Craig E. Brunswick 

Thomas Brusca 

Michael R. Bruscino 

Rose Bruscino 

John M. Brutus 

Jennifer A. Bruyne 

Elizabeth Bryant 

Teresa J. Bryant 

Grace B. Bryson 

Stephanie Bryson 

Frederick T. Bubeck 

Valerie Buchbinder 

Joan V. Buckley 

Timothy Buckley 

Glenn C. Bucknor 

Judith K. Buckridge 

Sydney Bucovetsky 

David J. Budhan 

Vanessa Budhu 

Esmilda Buezo 

Anthony P. Buffalino 

Hong Loan Buist 

Rosanne Bullaro 

Laura J. Buonocore 

Joan M. Burbes 

Rodrigo Burciaga 

Margarita Burgos 

Diane Y. Burke 

Loraine Burke 

Peter K. Burke 

Kristan G. 

Burlingame 

Danny A. Burner 

Brenden E. Burns 

James M. Burns 

Frederick Burrell 

Jennifer C. Burzo 

Wendy S. Busby 

Denise Buscher 

Kenneth J. 

Busching 

Nancy Bush 

Zillah A. Bush 

Claire Bushey 

Charles W. Busk 

Tiffany D. Busto 

Anastasiya Butikis 

Dana A. Butler 

Paul J. Butler 

Melvin Butow 

Muhammad Z. Butt 

Nasir A. Butt 

Gina Buttafoco 

Robert C. 

Buttafuoco 

Ursula Buttafuoco 

Adam M. Butter 

Lena S. 

Buyuksakayan 

Carol A. Bycel 

Nelson N. Byfield 

Carson J. Byrne 

Daniel P. Byrne 

Denise M. Byrne 

John R. Byrne 

Michael J. Byrne 

Helen W. Byrne 

Whitehead 

Patricia D. Byrnes 

Hyo S. Byun 

Margaret A. 

Bzdewka 

Veronica A. Bzura 

Cesar A. Caamano 

Maria Caba 

Irene R. Cabangon 

Frank Cabrera 

Miguel A. Cabrera 

Christine Cadavid 

Tricia K. Cadicamo 

Slavens 

Antonio Cafarelli 

James A. Cafarelli 

Leticia A. Cafaro 

Kelly A. Cafiso 

Carol A. Caggiano 

Lori Caggiano 

Le Miao Cai 

Patricia Caiola 

Linda M. Calabrese 

Patsy T. Calabrese 

Thomas J. 

Calabrese 

Vincent J. 

Calabrese 

Henrietta 

Calandrino 

Dawn M. Caldera 

Alex Calderon 

Jesus Calderon 

Luz Dary Calderon 

Denise A. 

Calderone 

Jacob L. Caldwell 

Paul L. Caliguri 

Lydia Caliolo 

Virginia Calise 

John D. Callaghan 

Bridget Callahan 

Dawn J. Callahan 

Margaret T. 

Callahan 

Patricia Callan 

Ferrannini 

Frenel Calonge 

Pierenzo A. 

Calosso 

Celia Camacho 

Michael J. 

Camastro 

Sheri M. Cambareri 

Adelinda Cambi 

Kathleen 

Camellerie 

Andrew J. 

Cameron 

Samuel Camhe 

Sandra J. Camiolo 

Sylvester Camiolo 

Darleen A. 

Cammarata 

Jean M. Campagna 

Susan C. 

Campagna 

Veronica G. 

Campaniello 

Jeanne Campbell 

LeLonni Campbell 

Sherri L. Campbell 

Patricia A. 

Campbell 

Philbert 

Frank P. Campo 

Vincent A. Canale 

Athena Tina 

Canaris 

Kim M. Canavan 

Kevin J. Canberg 

Caroline T. 

Cancellare 

Maribel Cancelliere 

Arpi Candan 

Lisa A. Candela 

Paul A. Candeletti 

Ruben Candia 

Felixberto V. 

Canieso 

Virgilio J. 

Cannatella 

John Cannella 

Linda Canner 

Kathleen A. Cannet 

Frank G. Cannistra 

Brian Canny 

Tatiana Cano 

Richard C. 

Cantalupo 

Rose Marie 

Cantanno 

Renee C. Cantos 

Patrick J. Canty 

Zheng Yan Cao 

Jacinta N. Capelo 

Gina M. Capitelli 

Yvonne M. Capo 

Carmine 

Capobianco 

Allison Capone 

Mary Capone 

Maureen G. 

Cappelli 

Patricia Cappo 

Allegra Capra 

Mindy M. Capra 

Philip M. Capra 

Maria Caprdja 

Lisa R. Capri 

Ellen T. Caprino 

Michael Capul 

Mauro Caputi 

Michael W. Caputo 

Michelle Caputo 

Strull 

Christopher A. 

Caquias 

Edmund Carbon 

Doris Carbonaro 

Craig S. Carbone 

Daniel M. Carbone 

Robert Carcamo 

Sandra L. Carcamo 

Jeanine M. Cardella 

Christina M. 

Cardinale 

Donielle Cardinale 

McKinno 

Maria A. Cardino 

Eileen Carey 

James C. Cariello 

Joseph F. Carini 

Elizabeth S. Carl 

Mirian P. Carlech 

Anna Carlino 

Brigid Carlino 

Joanne C. 

Carmignani 

James M. Carney 

Marilyn M. 

Carpenter 

John P. 

Carpenzano 

Debra L. Carpluk 

Kate Carpluk 

Debra A. Carr 

Kim D. Carr 

Maria Carrasquillo 

Lyonel Carriere 

Robin J. Carroll 

Daniel F. Cartagena 

LeVar D. Carter 

Reginald L. Carter 

Beth M. Carucci 

Toni Anne Carulli 

Christine J. Casa 

Anthony A. Casale 

Maria Casasus- 

McEntee 

M. Teresa Casazza 

Karen J. Cascio 

Patricia A. Casella 

Yenny Casella 

Andrea M. Casey 

Bonnie Lee 

Cashmore 

Agnes M. 

Casottana 

Sharon W. Cass 

Robert J. 

Cassandro 

Joseph Cassaro 

Gerda D. Casseus 

Wendy S. Castaldy 

Linda J. Castellano 

Cherry M. Castellvi 

Viviana Castilla 

Giovanna Castilletti 

Cesar G. Castillo 

Antoinette Catalano 

Leslie A. Catalano 

Robert B. Catalano 

Steven Scott 

Catalano 

Maureen 

Catalanotto 

Marie Catanzano 

Carole Ann 

Catapano 

Teri Catapano 

Black 

Christina Catarelli 

Costas Catechis 

Melody B. Caton 

Phyllis G. Cattano 

Philip J. Cavalcante 

Maria A. Cavaliere 

Joseph F. Cavallo 

Nicola R. Cavallo 

Sheila Cavallo 

Michael A. 

Cavalluzzo 

Terence M. Cavill 

Carolyn M. Ceglia 

Robert W. Ceilly 

Joanne Celauro 

Octavien Celestin 

Kathleen A. Cellura 

Applegate 

Derik J. Cenci 

Pia A. Cento 

Deborah Ceparano 

Roberta A. Cerasi 

Robert E. Ceroni 

Madeline Cerrato 

Rose Mary Cerrato 

Lisbeth Certa 

Jessica M. Cervini 

Claudia Cesare 

Cecylia Chaber 

Jaime E. Chacon 

Michael M. Chakrin 

Cynthia R. Chalfin 

Rosy Chalif 

Allen W. Chan 

Ana C. Chan 

Angela Chan 

Anthony Y. Chan 

Henry M. Chan 

Hoi K. Chan 

Julie I. Chan 

Kei Chon Chan 

Lap S. Chan 

Mo Ling Chan 

Suet M. Chan 

Virginia Chan 

Yong Yu Chan 

Juliet Chand 

Khamechand 

Chandebal 

Sobdar Chandio 

Benjamin Y. Chang 

Chaolung Chang 

Hsiu Ching Chang 

Jai Lyn Chang 

John Y. Chang 

Michael Chang 

Paul Chang 

Shu Jung S. Chang 

Brenda C. 

Chapman 

Siripha Chariton 

Ina Charkow 

Susan Charles 

Lainie Charmatz 

Robert Chartuk 

Jagdaysh 

Chatarpal 

Tuan A. Chau 

Jose Chauca 

Shaukat A. 

Chaudhry 

Cecilia Chaug 

Sunita Chauhan 

Armando E. 

Chavez 

Carmen M. Chavez 

Margarita Chavez 

Arelene Chavis 

Bao Xian Chen 

Chao Chen 

Feiyi Chen 

Guihua Chen 

Guo Q. Chen 

Haiying Chen 

Huang Lun Chen 

Jenny Y. Chen 

Jun R. Chen 

Jun Chen 

Kong Xian Chen 

Lin Lin Chen 

Lina Chen 

Mei Chuan Chen 

Mei Yun Chen 

Min H. Chen 

Qunlin F. Chen 

Robert Chen 

Saiyan Chen 

Sharon Chen 

Sheng Chien Chen 

Shuehli Chen 

Xiu Q. Chen 

Yi Quan Chen 

Ying Chen 

Zi Feng Chen 

Zi Hui Chen 

Christopher 

Chenery 

Alberta Cheney 

Andrew K. Cheng 

Chi Nor Cheng 

Michele Cheng 

Michelle H. Cheng 

Myra A. Cheng 

Siu Lung Cheng 

Steven H. Cheng 

Tang Cheng 

Annemarie 

Chernack 

Emily S. Cherson 

Charles E. 

Chesebrough 

Nancy M. Chester 

Richard J. Chester 

Kumal A. Chetram 

Kwan T. Cheung 

Kwan Hoi Cheung 

Hai Zhen Chi 

Xuejun Chi 

Pei P. Chiang 

Debra A. 

Chiappetta 

Gail D. Chiappino 

Garret P. 

Chiaramonte 

Patricia 

Chiaramonte 

Anna Chiarelli 

Traci Chiarello 

John Chiarovano 

Chih Heng Chin 

Hetty C. Chin 

Jacinda Chin 

Spencer D. Chin 

Theodora L. Chin 

Yueh Er Chin 

Belinda M. Chin 

Woo 

Marina Chiotis 

Jennifer Chiu 

Siu Y. Chiu 

Joyce V. Chiulli 

Hayley Cho 

Ran S. Cho 

Eun S. Choi 

Me Young Choi 

Sunnie H. Choi 

Esther H. Choo 

Neetu Chopra 

Melissa Chow 

Xi J. Chow 

Muhammad L. 

Chowdhry 

Javed M. 

Chowdhury 

Sirajul I. Chowdhury 

William Christensen 

Joanne 

Christoforou 

Hetty S. Chu 

Jason N. Chu 

RicaVictoria 

Chuachingco 

Man Mei Chuang 

Margaret 

Chugkowski 

Lih P. Chui 

Julie Chun 

Henry Chung 

In Chung 

Wook Chung 

Jamwant 

Churaman 

Gina Ciambrone 

Grazian 

Mark Ciano 

Linda Ciavarelli 

Anthony J. Cicio 

Gina L. Cicio 

Susana Cid 

Richard R. Cifarelli 

Dominick A. Cilmi 

Nancy Cimilluca 

Robert D. Ciminelli 

Barbara Ciminera 

Rowena M. Cinar 

Michael A. Cincotta 

Evamarie J. Cinque 

Hedy G. Cintron 

Joann Ciorciari 

Deneen A. Cirruzzo 

Frank Ciuffo 

Loraine A. Ciuffo 

Cassandra J. 

Claiborne 

Sean Clancy 

Carol A. Clark 

Craig E. Clark 

Joseph M. Clark 

Alvin Clarke 

Jeanne Clarke 

Abigail M. Clarke 

Curry 

Ocelia Claro 

Awilda V. Claros 

Bertha A. Claros 

David A. Cleaves 

Wilma L. Cleofas 

Jane M. Clifford 

James K. Clifton 

Carol G. Clinton 

Traci C. Clinton 

Cynthia K. Close 

Elaine V. Close 

James J. Clyde 

Laura M. Cochran 

Horace G. 

Codrington 

Joan H. Cody 

Mary A. Coffas 

Patricia G. Coffey 

Denise Coghill 

Cindy N. Coglievina 

Cookie Cohen 

Doris Cohen 

Eli A. Cohen 

Guylene A. Cohen 

James M. Cohen 

Jesse B. Cohen 

Jonathan F. Cohen 

Marilyn Cohen 

Marion Cohen 

Peter J. Cohen 

Stephen J. Cohen 

Susan M. Cohen 

Katherine Coladner 

Lance Cole 

Lucero Cole 

Rachel Cole 

Ann M. Coleman 

Michael J. Coleman 

Patrice Coleman 

Teresa Coleman 

Joyce T. Coletti 

Nancy E. Coletto 

Eileen Collini 

Bernadette Collins 

Lisa Collins 

Lloyd F. Collison 

Connie Collura 

Jennifer J. Colombo 

Gustavo E. 

Colorado 

Glenn Colson 

Jennifer M. 

Coluccio 

Terry K. Comacho 

Scott E. Comer 

Linda Commander 

Antonio J. 

Comparetto 

Manon P. 

Compitello 

Anthony P. 

Comunale 

Michael C. 

Comuniello 

Anne M. 

Concannon 

Gerald F. 

Concannon 

Richard Conde 

Robert Condon 

Geraldine Condy 

Paul A. Conforti 

Joseph Congedo 

Ralph L. Congello 

Maxine M. Conlin 

Jamie B. Conlon 

Silverman 

Eileen B. Connolly 

Kimberly Connolly 

Moira R. Connolly 

Winifred Connolly 

Carlson Connor 

Christine E. Conroy 

James J. Conroy 

Joyce Consi 

Barbara C. 

Constantinides 

Angelo Conte 

Antoinette Contino 

Margaret R. 

Contreras 

Elizabeth A. 

Convey 

Purcell M. Conway 

Bridget M. Cook 

Richard T. Cooke 

Susan E. Cools 

Fara Copell 

Laura Copersino 

Patricia Coppola 

Victoria A. Corabi 

David D. Corbett 

Theodore Corbett 

Maryann Corcoran 

Joseph Cordani 

Eva Cordero 

Pedro A. Cordero 

Edward J. Corliss 

Don L. Cornelius 

Jodi E. Cornelius 

Albert P. Cornella 

Sophia Cornish 

Elizabeth Corona 

Joseph A. Corona 

Michael E. Corr 

Silvia L. Corrales 

Barbara A. Corrao 

Montserrat Correa 

Melissa Correa 

Borger 

Dawn Correira 

Tiffany Corriente 

Donato Corso 

Eileen Corso 

Edith Cosban 

Iserman 

Ana M. Costa 

Ione O. Costa 

Joseph A. Costa 

Santiago Coste 

Andrea L. Costello 

Anne Costello 

Belbina E. Costello 

Catherine R. 

Costello 

Edmund P. 

Costigan 

Robert J. Cotrone 

George P. 

Cotsonas 

Vaughan M. 

Cotsonas 

Anthony S. Cottone 

Craig A. Couch 

Marie A. Coury 

Doreen T. Couso 

Douglas T. Coville 

Roberta D. Coward 

Roberta Cowen 

Carole Cox 

Zulima A. Cox 

Ellen F. Crescenzo 

Miriam E. Crespo 

Raymond M. 

Cretter 

Karen Crichlow 

Joseph V. Crifasi 

Marissa L. Crifasi 

Sal J. Crifasi 

Salvatore Crifasi 

Adam C. Crockett 

Jeromita M. Cronau 

Cynthia L. 

Crosthwaite 

Kevin C. 

Crosthwaite 

Julia A. Crowley 

Philip M. Crowley 

Charles A. Cruse 

Robert L. Cruse 

Luis G. Cruz 

Pedro Cruz 

Roger Csajko 

Juan J. Cuadrado 

Michael A. Cuellar 

Ana M. Cuervo 

Jessica A. Cuevas 

Rosemary A. 

Culhane 

Anna Cummings 

Maria C. Cunneen 

Patricia Curci 

Anthony C. Curcio 

Cristobal J. Curis 

Adrian J. Curran 

Ann Curran 

Carolyn F. Curran 

Elizabeth M. Curran 

Janet I. Curti 

Christine Cush 

Lora Cusumano 

Augustin Cutaj 

Ana M. Cuzzone 

Michael J. Cwik 

Anne M. Cybriwsky 

Peter D. Cylvick 

Denise A. 

Czarnecki 

Anna Czerwinski 

Querino M. D’Abreu 

Adriana D’Adamo 

Barrows 

Santo D’Agate 

Charles J. 

D’Agostino 

Michael 

D’Ambrosio 

Deborah L. 

D’Amore 

Janet S. D’Amore 

Mario D’Amore 

Marie P. D’Ascoli 

Andrea T. D’Eloia 

Martin A. Dabao 

Joan V. DaCorta 

Fumento 

KorenKwag Dafni 

Toni A. Dagata 

Amy L. Dagger 

Ruben Daglyan 

Samuel DaGrossa 

Christine R. 

Daidone 

Brian Daleo 

Laura J. 

Dalessandro 

Janice M. Dalessio 

Gloria Dallal 

Eileen Daly 

Deanna M. 

Damelio 

Linda DAmico 

Tina L. Damico 

Camille G. Dandola 

Marsha M. 

DAndrea 

Prithvi R. Dandu 

Christian DAngelo 

Eileen M. Daniel 

Patricia G. Daniels 

Scott D. Daniels 

Maureen A. 

Danilczyk 

Christine M. Danna 

Dominic G. 

Dannunzio 

Phillip Dantoni 

Huong K. Dao 

Linda G. Darcy 

Dawn R. Darish 

Margaret A. Darling 

Gwendolyn B. 

Darrie 

Kathleen DArrigo 

Sukanta Das 

Jonathan Dash 

Rabindra Dash 

Robert O. Dash 

Carlos A. DaSilva 

Elizabeth A. 

DaSilva 

Jennifer DaSilva 

Kathryn M. Dassau 

Gloria Datlow 

Rodlens Dauphin 

Desiree Dauria 

Betty Davenport 

Charles F. Davi 

Diane L. Davies 

Kirsten E. Davies 

Laurie Beth Davies 

Dolores Davila 

Wagner Davila 

Darlene C. Davis 

Delois Davis 

Gina K. Davis 

Janie K. Davis 

Michelle Davis 

Phyllis Davis 

Shawn A. Davis 

Stefanie M. Davis 

William Davis 

Jennifer C. Davis 

Einsetler 

Matthew R. Daw 

Claire D. Day 

John A. Day 

Ines De La Rocha 

Andrea DeAbreu 

Carolyn A. Deabreu 

Joseph J. 

DeAnnuntis 

James R. DeBari 

Alan DeBlat 

Debashish Debnath 

Barbara J. DeBold 

Darlene Decato 

Jolene M. DeCecco 

Cleoty A. DeDios 

Joseph DeDonato 

Janice Deegan 

Judy Deegan 

Louise F. Deely 

Praymnauth 

Deendiall 

Richetta E. Dees 

Joanna DeFiore 

Judith DeGioia 

Barbara DeGrace 

Audrey DeJesus 

Joan Helen DeKay 

Lori D. Dekie 

Esperanza 

Delacruz 

Kristina Delaney 

Patricia M. Delaney 

Phyllis Delaney 

Nilo A. DeLaTorre 

Leslie G. Delboy 

Andy DeLeon 

Nancy I. Delgado 

Shakira V. Delgado 

Kathleen T. 

DelGaudio 

Frank Dell’Accio 

Peter Dellaccio 

Vincent DellAccio 

Michael Dellacona 

Rosa P. Dellepiane 

Frances I. Dellipaoli 


Delmadge 

Frank DeLucia 

Theresa A. 

DeLustro 

Diane J. DeMaio 

Joseph F. DeMaio 

Anthony J. 

DeMarco 

Julio DeMarco 

Peter S. 

Demidovich 

Anna K. Demirciyan 

Robert Demko 

Marina DeNapoli 

Starr DeNicola 

Michele Denker 

Jack Denley 

Patrick Dennehy 

Annette E. Dennis 

Scott C. Dennison 

Suzanne DeNoyior 

Grace P. 

DePasquale 

Glenn D. DePuy 

Nancy L. DePuy 

Brunilda Derby 

John F. DeReeder 

Ann DeRosa 

Louise L. DeRosa 

Ralph J. DeRosa 

Sandra R. DeRose 

Barbara A. DeRuvo 

MaryAnn G. 

DeSantis 

Nancy Deschamps 

Serafino DeSimone 

Mary Desposito 

Jeffrey M. Desronvil 

Gloria E. DeStefano 

Donna M. Destro 

Dolly C. Dethomas 

Frank R. 

Detomasso 

Barbara J. Deverna 

Eileen Devine 

Sebastiana P. 

Devine 

Donna DeVito 

Joseph A. Devito 

Joseph DeVito 

Kate Devlin 

Sharmila Dewdat 

Kissoon Dhanraj 

Nancy Di Bernardo 

Jennifer L. 

Diamond 

Myra Diamond 

Carlos A. Diaz 

Carlos L. Diaz 

Diana C. Diaz 

Dolores Diaz 

Marie Diaz 

Milgen Diaz 

Naomi Diaz 

Thomas 

Cindy DiBiasi 

Patty DiBlasi 

Vincent DiCanio 

Brook J. DiCesare 

Donna Russo R. 

DiCesare 

Rosemarie T. 

DiChiara 

Robert A. 

Dickenson 

Velma Dickerson 

Patrick E. Dickson 

Lee DiClemente 

Dominick 

DiColandrea 

Douglas J. Dietz 

Ernest J. DiFiore 

Lisa DiGangi 

Richard DiGeorge 

Robin L. 

DiGiacomo 

Natalie M. DiGioia 

Janis A. DiGiovanni 

Uri Digmi 

Michele A. DiLeo 

Rosa DiLiberto 

Nina A. Dillon 

Patricia M. Dillon 

Piero B. DiLorenzo 

Sally A. 

Dimakopoulos 

Joanna R. DiMaria 

John DiMaria 

Margaret Dimech 

Portia C. DiMicco 

George Dimitriades 

Naoum Dimotsis 

Patricia A. DiNardo 

Phyllis M. Dinardo 

Carl Dincesen 

Constantin 

Dionysiou 

Harry DiOrio 

Diane Diot 

Andrew L. Dippold 

Marilyn P. Dirmeir 

Mary DiRusso 

Anthony J. DiSpirito 

Marion E. 

DiStefano 

Joseph A. Ditta 

Gerard Diviney 

Dawn M. DiVisconti 

Christine DiVito 

Palma M. DiVito 

Jeffrey G. Dizon 

Josephine G. Dizon 

Cezary M. Doda 

Kathy L. Dodd 

Thomas K. Dodson 

Eugene C. Doering 

Joseph R. Doering 

Blanche Dohan 

Andrea L. Doherty 

Constance Doherty 

Rosemary Doherty 

Pat Dolan 

Tracy L. Dolan 

Gary J. Dolce 

Yelena Doljansky 

Joseph R. 

Dombrowski 

Freddy Dominguez 

Manuel F. 

Dominguez 

Dorota Dominiak 

Richard H. Domville 

Paula Donaldson 

Joseph P. Donato 

Weilin Dong 

Yue Yang Dong 

Tashi Dongchu 

Bertram F. Donley 

Denise D. Donlon 

Mary Beth Donnelly 

William G. Donofrio 

James J. 

Donoghue 

Anne Donohue 

Sabita D. 

Doodnauth 

James A. Dooley 

Janice L. Dooley 

Daphnee Doresca 

Christopher Dorgan 

Mordechai 

Dornbush 

John F. Dornheim 

Bobbie R. 

Dorsainvil 

John V. Dorsi 

Michael J. Dorso 

Theresa A. Doscher 

Theresa Doscher 

Jacqueline M. 

Doskoez 

Kelly A. Dougan 

Annette L. 

Dougherty 

Joan M. Dougherty 

Joanne P. 

Dougherty 

Paul S. Dougherty 

Lisa Douglas 

Carol A. Douglas 

Ferri 

Barbara K. 

Dourdounas 

Maryanne Dove 

Dennis F. Dowd 

Tara B. Downing 

Kerry T. Doyaga 

Carol A. Doyle 

Reisa P. Doyle 

Thomas J. Doyle 

Peter A. Dracker 

Eva R. Draeger 

Augustina Dragomir 

Mary F. Drake 

George 

Dramintinos 

Mary Ellen Drawert 

Lori Ann Dredger 

Robert H. Dressler 

Irene Drettakis 

Barbara Drew 

Matthew W. Drolet 

Matilda Dror 

Millie Drosos 

Rosilind H. Drukker 

Elizabeth Dryjas 

Cecilia Duarte 

Pedro Duarte 

Zeljko Dubroja 

Frank W. Duca 

Onkar Duggal 

Concetta Duggan 

Joann M. Dula 

Gesner Dulaurier 

Nestor Dumlao 

Robert A. Duncan 

Dawn M. Dunn 

Loriann D. Dunwell 

Brendon A. Dupont 

Lourdes L. Dupuy 

Reginald Durham 

Cathi M. Durler 

Kevin Durst 

Paul L. Duthil 

Susan M. Dutzer 

Doris Duvernoy 

Susan Dvoor 


Dwyer 

Rosemarie 

Dymond 

Bartosz D. Dynak 

Floyd G. Earl 

Jacqueline Eaton 

Garland 

Judith L. Edge 

Dina M. Edmonds 

Soyazhe A. 

Edmonston 

Sooroojnee Edoo 

Carol Ann Edwards 

Francis J. Edwards 

Frank P. Edwards 

Jordan M. Edwards 

Lisa M. Edwards 

Lynda Edwards 

John P. Egbert 

Lorraine Egloff 

Susan Ehrlich 

Michael Eichler 

George N. 

Eindrawis 

Donna Einemann 

Robert M. 

Einemann

Bruce Eisenberg 

Harry Eisenoff 

Victoria H. 

Eisenpresser 

Joshua D. Eisinger 

Kathleen Eisman 

Allan R. Eldridge 

Regina M. Eldridge 

William J. Eletto 

Samira Elfiky 

Ellen Elias 

Steven A. Elias 

Talaat A. Elkaray 

Bryn G. Elliott 

Janet A. Elliott 

Anthony G. Ellis 

Dwayne P. Ellis 

Liana Ellis 

Verelle J. Ellis 

Donna Ellswick 

Stephen Ellsworth 

Jack Y. Elmann 

Ermir Elmazi 

James H. Elstroth 

Kathleen L. Engel 

Marcia G. Engelson 

Steven A. 

Englander 

Arthur Englis 

Ronald P. English 

Ryan M. English 

Sylvia A. English 

Lisa A. Ennis 

Francesca J. 

Enriquez 

Mary H. Ercolino 

Katherine K. Ernst 

Lynda Nnenta 

Erondu 

Denise A. Errigo 

Roxana P. Escobar 

Miozote C. Espinal 

Rosa Espinal 

John F. Espinoza 

Alysse R. Esposito 

Charles A. Esposito 

Karen J. Esposito 

William Esslinger 

Emmanuel Estinvil 

Alejandro Estrada 

Donna Etergineoso 

Janice A. Eubank 

Frank Evangelista 

Kay E. Evangelou 

Andrea L. Evans 

Andrew J. Evans 

Deborah S. Evans 

Joan V. Evans 

Josh Evans 

Lorraine Evans 

Christine Evola 

Debra A. Ezra 

Johnson S. 

Fabelurin 

Devin G. Faello 

Janice L. Fagan 

Kim M. Fagerland 

Marianne M. Failla 

Mauricio B. Fajardo 

Danielle Falco 

Judith Falco 

Quenida Falcon 

Anthony J. Falcone 

Beth Ann Falk 

Michael R. 

Fallacara 

Marie Falson 

Rocco J. Famiglietti 

Marie Fandetta 

Michele A. Fandetta 

Rick R. Fano 

Leigh Fanuzzi 

Dawn Marie Farino 

Melvyn S. Farkas 

Angela B. 

Farquharson 

Elizabeth Farrell 

Joseph J. Farrell 

Leola M. Farrell 

Kathleen M. Fassler 

Christopher R. 

Fasulo 

Evelyn J. Fasulo 

Donna A. Faught 

Firdous A. Fazal 

Shameer Fazal 

Tir L. Fazal 

Concetta M. Fazio 

Frangoulis 

Luisa Fazzalari 

Beth E. Feifer 

Rita H. Feigenberg 

Victor J. Feijoo 

Alan C. Fein 

Alison B. Feinman 

Iris F. Feldman 

Peter A. Feldman 

Monserrate Felicier 

Gene F. Felicio 

Janet O. Feller 

Hildegard Fenton 

William H. Fenton 

Robert Feramisco 

MaryAnn Ferchland 

Anthony D. 

Ferguson 

Susan Ferguson 

Alejandra J. Fermin 

Sagrario E. Fermin 

Eduardo S. 

Fernandes 

Christopher E. 

Fernandez 

Gigi Fernandez 

Nicolas Fernandez 

Nicole Fernandez 

Karen Ferrara 

Linda Ferrara 

Kristine Ferrara 

Pugach 

JoAnn G. Ferrari 

David B. Ferraro 

Edward C. Ferraro 

Joseph Ferraro 

Katherine Ferraro 

Susan Ferraro 

Felix Ferreira 

Lucille Ferrer 

Donna M. Ferro 

Joanne Festa 

Paul A. Festa 

Christopher J. Fiala 

Donald E. 

Fickenwirth 

Joseph Fico 

Elmore Fields 

Russ S. Fierman 

Dana Figliolia 

April J. Figueroa 

Charles Figueroa 

Kimberly J. Filardi 

Mary Filippakis 

Jill M. Filippetti 

Gregory E. Filippi 

Gerald R. Fink 

Nancy J. Fink 

Sharon Fink 

Warren M. Fink 

Ellyn Finkelstein 

Georgianna F. Finn 

Lawrence P. Finn 

George W. 

Finnegan 

Patricia Finnegan 

Allicyn K. Finneran 

Carol R. Finocchio 

Christine A. Fiore 

Jeanne R. Fiore 

Jacqueline Fiore 

Mosquin 

Larry D. Fiorello 

Anna Fiorentino 

Joanne K. Fiori 

Debra Fiscaletti 

James B. Fiscella 

Elaine M. Fischer 

Laura Fischer 

Robert W. Fischer 

Carol S. Fishberger 

Debra A. Fisher 

Debra K. Fisher 

Donna M. Fisher 

Kathleen A. Fisher 

Brian Fishkin 

Merle Fishkin 

Barbara Fishkind 

Stuart R. Fishkind 

Heather Fitzgerald 

Maria A. Fitzgerald 

Maureen P. 

Fitzgibbon 

Doreen Fitzpatrick 

Mary Ann 

Fitzpatrick 

Marilee N. Flaherty 

Maureen F. 

Flammer 

Marilyn A. Flanagan 

Beth Flatow 

Joan 

Flaumenbaum 

Teresa C. Fleming 

Jose V. Flores 

Karyn Flores 

Vickie G. Flores 

Adela Flores Mena 

Ana O. Florez 

William A. Florez 

Irene G. Florio 

Michael Florio 

Nicholas V. Florio 

Raminder K. Florio 

Brian E. Flynn 

Lois A. Fogal 

Eleanor Fogel 

Peter Foglia 

Marisa A. Foley 

Kok Wah Fong 

Ping Fong 

Sinching Y. Fong 

Beverly A. Fontaine 

Wai Sun Foo 

Barbara Ford 

Wesley Ford 

Ruthann Forland 

Dominick P. 

Forlenza 

Beatrice 

Formickella 

Susan Forrest 

McCartney 

Mariana Forsea 

Kathleen Forster 

Darlene J. Forte 

Meghan P. Forte 

Grace Forte 

Fitzgibbon 

Eve Fortunato 

Hugh L. Foster 

Tory E. Foster 

Angelo Foukas 

Allen Fox 

Celia R. Fox 

Dolores F. Fox 

Lawrence J. Fox 

Paula R. Fox 

Sandra Fox 

Kellie Fox 

Ramalanjaona 

Donna Francavilla 

Alicia Frances 

Gunning 

Pauline C. Francis 

Barbara L. Franco 

Franklin F. Franco 

Izzy Franco 

Robert Franco 

Jean C. Francois 

Myrtha M. Francois 

Atanasia Franke 

Mercia Franklin 

Michael R. Franz 

Therese A. 

Franzese 

Jessica L. Frasca 

Andrew Fraser 

Ian C. Fraser 

Yvette D. Frederick 

Stacy A. Fredricks 

Marie Frei Tuzzi 

Laurell P. Frein 

Alan A. Freire 

Marian Freundlich 

Raymond A. Frey 

Tracy A. Frey 

Vincent P. Frezzo 

Nathan Fridman 

Georgette C. 

Friedman 

Keith V. Friedman 

Sanford Friedman 

Karl H. Friedrich 

Riina M. Friedrich 

Tina M. Fries 

Donna M. Frintzilas 

Kathleen F. Frisina 

Joseph Frittola 

Sally Froccaro 

Edna Frohlinger 

Susan R. Fromm 

Jacqueline Fruchter 

Judy B. Fruitbine 

Ai Zhen Fu 

Eileen T. Fucello 

John G. Fucich 

Consuelo Fuentes 

Miriam Fuentes 

Ana L. Fuenzalida 

Stacey A. Fuina 

Peter P. Fung 

Sandi L. Furman 

Ala Furmanov 

Sandra A. Furno 

Nancy Furrevig 

Paula Fuschillo 

Joan M. Fusco 

Richard Fusco 

Maria M. Gabriel 

Edward A. Gac 

Maria B. Gac 

Burnie P. Gaeta 

Anna Gaetano 

Vincenza M. 

Gaffikin 

Kerrance Gaffington 

Christine R. 

Gaffney 

Ezell C. Gaffney 

Palmer Gaget 

Antonio C. Gagliardi 

Margherita M. 

Gagliardi 

Lupita M. Gaines 

Scott N. Gaines 

John Galanis 

Edwin Galarza 

Stephen Galarza 

Ellen P. Galbraith 

D Kent Gale 

Jose F. Galeano 

Lisette Gali 

Amnun Galibov 

Christina M. Galicia 

Catherine A. 

Gallagher 

David Gallagher 

Patricia Gallegos 

David L. Galligan 

Deborah L. Galligan 

Carol Gallo 

Turschmann 

Adreanne Galvan 

Luz Galvan 

Rose Gambardella 

April M. Gambino 

Michele A. 

Gambino 

Dawn M. Gambler 

Massimo 

Gammella 

Robert J. Gandley 

John C. Gandolfo 

William B. Gans 

Fei Ying Gao 

Ke Rong Gao 

Yang Gao 

Nancy Garafola 

John R. Garbarino 

Codi G. Garcete 

Allen R. Garcia 

Debbie R. Garcia 

Delia L. Garcia 

Isidro V. Garcia 

Luis J. Garcia 

Martha E. Garcia 

Silvia D. Garcia 

Beau Gardner 

Lawrence M. 

Gardner 

Qian Liu Garis 

Ricki Garito 

Alan Garmise 

Diane M. Garnjost 

John K. Garrison 

James Garzon 

Robin M. Gasparik 

Lisa M. Gassick 

Frances B. Gates 

Frank L. Gatto 

Sheila R. Gatto 

Vivian Gattuso 

Angeliki Gatzonis 

Bryan Gaudio 

Teresa Gaudiosi 

Edward J. Gaus 

Roxanne M Gaynor 

Carolyn Gear 

Thompson 

James Gebbia 

John W. Gebbie 

Ashraf Gebriel 

Stephanie A. 

Geffken 

Carol Geller 

Alla Gelman 

Kalliope Gemelas 

Lidilia F. Genao 

Cuesta 

George Genas 

Nancianne R. 

Genduso 

Suzanne P. Genise 

Vito A. Genova 

Nicholas R. Gentile 

Oakley M. Gentry 

Carol J. Genua 

Glenis H. George 

Edwards 

Mary Lynn Gerace 

Christine M. 

Geraghty 

Paula Gerber 

Maurizio Gerbino 

Colin N. Germaine 

Asaf A. German 

Lawrence J. 

Germano 

Marie E. Germano 

Martha Gerosa 

Ellen Gershowitz 

Chang Gertner 

Kenneth M. Gerus 

Kyla M. Gessin 

Khasrow D. Ghazi 

Maryam 

Ghermezian 

Sookhyun Ghong 

Gary Giacalone 

Rene A. Giacobbe 

Kiriaki Gialouris 

Patricia A. 

Giambalvo 

Joseph D. 

Giammalvo 

Maria G. Giamundo 

Denise Gianatasio 

Christina A. 

Giannakopoulos 

Nancy B. Giaretti 

William M. Gibbons 

Arnold H. Gibbs 

Carolyn A. Gibbs 

Kerry I. Gibson 

Rozet Gidanian 

Deborah Giglio 

Franette Gil 

Karen A. Gil 

Shoshana Gilaad 

Elizabeth M. Gilbert 

Monique R. 

Gilchrist 

Sally Giles 

Margaret Gilhooly 

Pidala 

Christine E. Gill 

Rodwin M. Gill 

Jennifer M. 

Gillespie 

Kathleen M. Gillies 

Richard A. Gillis 

Milton Gilpin 

Corinne M. Gimeli 

Deena L. Gimeli 

Tina M. Ginas 

John W. Ginna 

Annmarie Giordano 

Edmund J. 

Giordano 

Marissa A. 

Giordano 

Robert J. Giordano 

Susan D. Giordano 

John A. Giouvalakis 

Annmarie 

Giovanniello 

Chandradat Gir 

Michael N. Giraldo 

Gamaliel Girault 

Marie Gitlin 

Elizabeth Gittens 

Ray L. Gittens 

Judith L. Giuffrida 

Christine Giunta 

David C. Gjodesen 

Steven H. 

Glassberg 

Sheldon S. Glatt 

Clare Gleason 

Michelle K. 

Glennon 

Heather Glick 

Jeremy B. Glick 

Sherri A. Glock 

Virginia Goddard 

Karl E. Goffe 

Michelle A. Goffe 

Evelyn Renee 

Goins 

Irene O. Goit 

Marianne 

Goldacker 

Martha Goldberg 

Wayne M. 

Goldberg 

Catherine Golder 

Barbara Goldfeder 

Arnetta K. Goldman 

Yael Goldman 

Robert S. Golomb 

Dave Golon 

Arlindo Gomes 

Michelle P. Gomes 

Dawn M. Gomez 

Linda Gomez 

Loretta A. Gomez 

Pablo R. Gomez 

Paul A. Gomez 

Rosemary F. 

Gomez 

Norma Gomez 

Espinal 

Luis F. Gomez 

Trujillo 

Lisa M. Gomolka 

Jose P. Goncalves 

Thomas R. Gonce 

Jennifer M. Gonis 

Cristian R. 

Gonzales 

Darlene Gonzalez 

David R. Gonzalez 

Edwin M. Gonzalez 

Robert Gonzalez 

Ruben Gonzalez 

Wilbert Gonzalez 

Luis J. Gonzalez 

Perez 

Tracey Goodman 

Kristine L. Goodyer 

Ginny Goonan 

Jay S. Gootenberg 

Vishnu Gopaul 

Michael J. Goralski 

Kerri A. Gordon 

Mindy J. Gordon 

Stephen J. Gordon 

Lloyd B. Gore 

Marsha Gorelin 

Yardena C. Gorge 

Vidyut C. Gosalia 

Patricia Gosman 

Jo Anne Gouveia 

Adrienne M. 

Governali 

Madeline Gralla 

Lydia Grandelli 

Diane F. Grannum 

Michael A. 

Grannum 

Freddy R. Grant 

Marie C. Grant 

Marie R. Grant 

Annemarie L. 

Grasso 

Susan Grasso 

Carol A. Grau 

Barbara G. Gray 

Kevin M. Gray 

Michael W. 

Graziano 

Nancy S. Graziano 

Jeanine Grazidei 

Annmarie Greck 

Russell Greck 

Joann Greco 

Arlene M. Green 

Deborah A. Green 

Lydia J. Green 

Susan H. Green 

Kim Greenberg 

Melva Greenblatt 

Brigitte E. Greene 

Evan Greene 

Frederic R. Greene 

Leslie C. Greene 

Jessica L. 

Greenfield 

Bernice Greenwald 

Lisa Greenwald 

Susan A. Greer 

Robert P. Grennan 

Karen Gribbin 

Patricia E. 

Griesmeyer 

Richard J. Griffin 

Vsevolod Grigore 

Christopher Griparic 

Maryann A. Grippi 

Adrienne K. Grody 

Richard D. Groff 

Eileen R. Grogan 

Jennifer R. Gromus 

Stella Gronros Diaz 

Allison Grosse 

John A. Grosse 

Noreen Grossklaus 

Cheryl J. Grossman 

Linda M. Grossman 

Yudith Grunfield 

Hector Gualpa 

Angela Gualtieri 

Peter Guardino 

Aurora P. 

Guarnaccia 

Richard Guarneri 

Francesca 

Guddemi 

Robert W. 

Gudmundsen 

Michael Guelly 

Beatrice Guercio 

Francesco Guercio 

Denise Guerra 

Marlem Guerra 

Robert J. Guerriero 

Amilcar Guevara 

Joseph P. 

Guglielmo 

Mary E. Guglielmo 

Sitangshu B. Guha 

Anthony L. Guidice 

Phyllis Guido 

Carlos Guiracocha 

Maria C. Gundy 

Jie H. Guo 

Sanjiv Gupta 

Stephen R. Gurin 

Donna M. Gusman 

Susanne C. 

Gutermuth 

Joanne L. Guthman 

Myrna Gutierrez 

Ricki Gutlerner 

Ronald P. Guzas 

Carmen Guzman 

Janet Guzman 

David K. Guzzetta 

Lorraine R. 

Guzzetta 

Michael Ha 

Nayoung Ha 

Hope Haber 

Kimberly F. Haberle 

Mirza S. Habibulla 

Shakila A. Hafeez 

Helene E. Hafers 

Michael J. Hagen 

Stephanie 

Hagstrom 

James L. Hahn 

Nella A. Hahn 

Janet M. Haimson 

Shohreh V. 

Hakimian 

Nabih Halaka 

Marie R. Hale 

Donna J. Haley 

Muthu 

John C. Hall 

Patrick J. Hall 

Terri L. Hall 

Arianna F. Halpern 

Edwin J. Halpin 

Elaine A. Halpin 

Anita Halvatzis 

James G. Halvatzis 

Paul Halvatzis 

Talat G. Hamdani 

Philip A. Hamid 

Punwati Hamid 

Francine Hamill 

Carole A. Hamilton 

David Hamilton 

Belinda J. Hammer 

Carol Hammond 

Jerome Hammond 

Elmen Han 

Eung H. Han 

Yiping Han 

Marjorie Hanabergh 

Samantha L. 

Hanan 

Diane Hanczyk 

Jack L. Hangen 

Charles J. Hanney 

Mark S. Hannigan 

Josephine Hansen 

Katherine E. 

Hansen 

Wayne Hansen 

David T. Hanser 

Amy L. Hanson 

Lois M. Hanson 

Margie Hanson 

Mohammed E. 

Haque 

Anne P. Haran 

Daniel C. Hardat 

John C. Hardecker 

Elpis Hardiman 

Susan A. Hardin 

Natalie L. Harding 

Robert L. Harding 

Joan Hardoon 

Maryanne 

Hargadon 

Sonia A. Hariton 

Kaseree Harlal 

Carol Harloff 

Peter P. 

Harlukowicz 

Michael Harmon 

Steven M. Harney 

Candace E. Harper 

Diane S. Harragan 

Patricia Harrigan 

Judith C. Harrington 

Regina C. 

Harrington 

Mandalee M. 

Harriott 

Barbara Harris 

Joan M. Harris 

Pamela G. Harris 

Robert Wayne 

Harris 

Andre Harrison 

Laura Harrison 

Mary A. Hart 

Matthew Hart 

Robert W. Hart 

Trudy Hart 

William G. Hart 

Susan L. Hartigan 

Risa Hartmann 

Cynthia A. 

Hartnagel 

Alan J. Hartstein 

James E. Hartung 

Arthur H. Hasher 

Cynthia Y. Hassan 

Mohamed E. 

Hassan 

Shahram Hassid 

Gail B. Hasson 

Lynn Hasteadt 

Robert Hasteadt 

Joseph C. Hastings 

Anna Hatgis 

Skrobacz 

Jacob W. Hauer 

Christopher M. 

Haug 

Anita L. Hawkins 

Joel A. Hawkins 

Janice M. Hayden 

Jeanne M. Hayes 

Jennifer M. Hayes 

Richard J. Hayes 

Keri S. Haymes 

Barbara J. Haynes 

Lisa Healy 

Stella A. Heath 

Clifford H. Hecht 

Sheryl R. Hecht 

Annie Heilberg 

Paul Heimler 

Lindsey C. 

Heineman 

Edith K. 

Heinemann 

Denise A. Heintz 

Christine E. Helbig 

Michelle A. Hellem 

Panagiota Hellem 

Barbara Heller 

Liane Heller 

Patricia Heller 

Susan G. Helsinger 

KM Hemayetuddin 

Rinat Hen 

Patricia A. Hendrick 

Jinny M. 

Henenberg 

Robert Henken 

Terence W. 

Hennessy 

Jose Henriquez 

Althea T. Henry 

Arlene J. Henry 

Sylvester L. Henry 

Mary Lou Henshall 

Milton Hensley 

Tom J. Henson 

Susan W. Heppeler 

Martin P. Hepworth 

Alphonses J. 

Heraghty 

Derrick M. Herbert 

Michael Z. Herbert 

Mala A. Herman 

Christine 

Hermanowski 

Jan T. 

Hermanowski 

Astrid F. Hermida 

Brizeida M. 

Hernandez 

Edgar Hernandez 

Nelson J. 


Rafael V. 


Rebecca 


Rene Hernandez 

Sonia Hernandez 

Flax 

Teresa J. Herrera 

Marcela Herrera 

DiVietro 

Alan T. Herrick 

John Herrick 

Robert J. Herrick 

Robert J. Herrick 

Suzanne L. Herrick 

Curtis E. Herrington 

JoAnn F. Herrmann 

Bonnie Heslin 

Joan Hesse 

Jayne Hessel 

Philip Hessel 

Cindy M. Hewitt 

Janet Hewitt 

James J. Heym 

Lawrence Heywood 

Andrew J. Hickey 

Linda Hickey 

Kelly A. Hicks 

Kathleen M. Higdon 

Maureen J. Higgins 

Jacques P. Hilaire 

Christina B. Hill 

Jennifer M. Hill 

Tina Hill 

Mary W. Hillman 

Nancy Hilsenrath 

James N. 

Himonidis 

John W. Hiney 

Stephanie A. 

Hinkson 

Christina Hionis 

LaRue S. Hirsch 

Patsy C. Hirschhorn 

Frances Hirshman 

Tatyana Hladki 

Emi S. Ho 

Ng Ho 

Evelyn Hobbie 

Rosemary Hobbs 

Thomas M. Hocker 

Joyce L. Hoelzer 

Maryanne C. 

Hoesel 

David W. Hoey 

Paul Hoffman 

Phyllis Hoffman 

Warren S. Hoffman 

Heather M. 

Hofmann 

Carolyn R. Hogan 

Michael J. Hogan 

Sharon L. Hogan 

Lourdes Hoglo 

Pamela L. Hogrefe 

Francis Hohman 

Rosemary P. 

Hoilette 

Henry Holley 

Michele A. 

Holloman 

John W. Hollyer 

David W. Holmes 

Loretta Q. Holmes 

Regina J. Holmes 

Timothy Holmes 

Paulette A. 

Holtmann 

Barbara J. 

Holtzman 

Arthur C. Hong 

Chong H. Hong 

Sung Yong Hong 

Thomas M. Hood 

Beverly Hooker 

Espinal 

Dolores M. Hoole 

Walauddin Hoosein 

Denise Hopkins 

Oscar Hopkins 

Pamela P. Hopkins 

Mohammed J. 

Hoque 

Mohammed S. 

Hoque 

Catherine V. Horan 

Rosemary W. 

Horgan 

Mathew W. 

Hormann 

Andre Horn 

Selena L. Horn 

Donna L. Horn 

Hooks 

Leonard J. Horowitz 

Peter S. Horowitz 

James Hoskins 

Mohd E. Hossain 

Muhammad A. 

Hossain 

Richard Hovanec 

Darice Howard 

Hazel M. Howard 

Nicole A. Howard 

James P. Howe 

Baruch B. Howell 

Piedad Hoyos 

Yuching F. Hsieh 

Min Hui Hsu 

Mark Huang 

Meixia Huang 

Wanling Huang 

Yan C. Huang 


Hubbard 

Joann T. Hubbard 

Michael L. 

Huckabey 

Nicole T. Hudson 

Milagros Huerta 

Dawn A. Huffman 

Thomas A. Hug 

Audrey Hugh 

Margaret A. 

Hughes 

Jung I. Huh 

Tony Hui 

Rachel A. Hujber 

Cozette Hulse 

Jeanne Hulse 

Eugenia H. Hunt 

Doris Hunter 

Kerrie Hunter 

Leslie W. Hurd 

Gerard E. Hurley 

Helena M. Hursak 

Chateau 

Aamir Hussain 

Mohammed G. 

Hussain 

William G. 

Hutcheson 

Diana E. Hutchins 

Ann Marie E. 

Hutton 

Marilyn H. Hutton 

Pia L. Hutton 

Kyu Y. Hwang 

Lieh Y. Hwang 

Amy R. Hyman 

Sharyn Hyman 

Robert C. Hyne 

Ruth A. Hyne 

Cheryl L. Hynes 

Sung Ai 

HynsonKim 

Seon Hyun 

Giovanna Ianiro 

Nicholas P. Iannone 

John P. Iannotti 

Lisa Iannuzzi 

Alberto H. Iantorno 

Orietta M. Ibarra 

Ximena Ibarra 

Vadim Ibragimov 

Feroze Ibrahim 

Rasha A. Ibrahim 

Tahir Ibrahim 

Nicole A Idler 

Jeremiah I. 

Igboekwe 

Mera Illas 

Anatoli Ilyaich 

Jessica J. Imbesi 

Bernice J. 

Immordino 

James T. 

Immordino 

Lisa Imperato 

Lylian M. Imperato 

Ani Indrawati 

Herbert Ingber 

Karen J. Inglima 

Christine G. 

Inverary 

Georgia Ioannou 

Nelsia H K W Iong 

Fahim Iqbal 

Nicole M. Irwin 

Michelle Isaac 

Gyesoon Isacc 

Lorraine Ishmael 

Sherry Ann S. 

Ishmael 

Rita Iskhakov 

Mir S. Islam 

Mohammad S. 

Islam 

Sayed A. Islam 

Erole Isma 

Frank Isola 

Janet Isoldi 

Janet Iveson 

Yuka Iwanaga 

Orysia I. Iwasiw 

Ogechi U. Iwuoha 

Monir Jaber 

Cheryl R. Jackson 

Clara L. Jackson 

Eric W. Jackson 

Joseph Jackson 

Willa Jackson 

Margot D. Jacobs 

Magdelene A. 

Jacobson 

Jelena L. 

Jadrihhinskaja 

Rosemary B. 

Jaeckel 

Laurence W. 

Jaeger 

Marie Jaffary 

Bruce Jaffe 

Lynne G. Jaffe 

Kamla D. Jaikaran 

Ashok S. Jain 

Julie James Bryant 

Lauren L. Jamieson 

Deodat Jamna 

Dhaneshwar 

Janack 

William A. Jandovitz 

Llubica Janjic 

JoniRose Jankie 

Marzena Jankowski 

Joseph N. Jannace 

Edyta B. Janowski 

Leslie E. Jansson 

Donald Jantzen 

Simon Janusas 

Maxim A. Janvier 

Heidi Jarach 

Winston A. Jarrett 

Christine M. 

Jasinski 

Kuldip S. Jaspal 

Dorota Jaworska 

Obed Jean Louis 

Robert Jean Michel 

Margaret Jederlinic 

Kabirdas Jeetoo 

Yuxel Jeffar 

Narus Jefferson 

Anita I. Jegede 

Caroline Jemison 

Will R. Jenkins 

Henry Jerman 

Paula M. Jerman 

Yunghi Jeun 

Qui Hang Jiang 

Xiao Jun Jiang 

Ya Ying Jiang 

Zhan Fang Jiang 

Jennifer Jimenez 

Jose A. Jimenez 

Yolanda M. 

Jimenez 

Yinshu Jin 

Blandine Jnpaul 

Reid 

Cherian K. John 

Owen A. John 

Berma L. Johnson 

Bernard Johnson 

John Johnson 

Margaret Johnson 

Peter D. Johnson 

Robert J. Johnson 

Sandra Johnson 

Tor F. Johnson 

Diane Johnson 

Frimmel 

Peter K. Johnstone 

Charles L. Jones 

Emanuel E. Jones 

Glenna M. Jones 

Jeanine Jones 

Lisa Ann J. Jones 

Leotis Jones Cox 

Thiam Jin Jong 

Elizabeth A. 

Jongebloed 

Rafael Jose 

Batyah K. Joseph 

Rosemary Joseph 

Noone 

Ashik Joshef 

Kishorchandr N. 

Joshi 

Michelle Jourdan 

Gerardo M. Joyas 

Eileen A. Joyce 

Darryl A. Joyner 

Denese A. Joyner 

Mei J. Juan 

Jozsef Juhasz 

John A. Juliano 

John L. Juliano 

Loretta Juliano 

Bo Juman 

Yeosook H. Jun 

Sang G. Jung 

Winnie Jung 

Roswitha E. Junge 

Testani 

Adriana G. Jurcev 

Zaki U. Kabir 

Malinda R. 

Kachejian 

Michelle R. 

Kadushin 

Colleen C. Kahler 

Lynn Kahn Zysman 

Jerilyn Kaich 

Carmela Kaiser 

Rajendranath S. 

Kakkarath 

Mohammad A. 

Kalam 

Suad Kalaz 

Nancy Kalberer 

Rajesh M. Kale 

Thomas Kaleda 

Pankaj Kalia 

Ramesh D. 

Kalicharran 

Annette Kalikow 

Janet Kaliku 

Janet M. Kalman 

George Kalogiannis 

Helen Kaloudis 

Joshua A. Kalter 

Juliet Kamel 

Rosa Kamel 

Katarzywa Kamer 

Barbara J. 

Kaminski 

Debora A. Kaminski 

Jill A. Kandell 

Debra E. Kane 

Donna E. Kane 

Charles H. Kang 

Hyesook Kang 

Jennifer Kang 

Zoo Hee Kang 

Morton Kaplan 

Susan D. Kaplan 

Gabriele Kapp 

Herta E. Kapp 

Noel A. Kappauf 

Dimitrios 

Kapsimalis 

Atul Kapur 

Pradip R. Kar 

Mahmuda Karabay 

Hale Karabicakli 

Melanie 

Karakatsanis 

Vicki Karamouzis 

Ioana Karanikolas 

Maria T. Karastathis 

Mori Karimi 

Chris Karlis 

Caroline Karolewicz 

Irene M. Karp 

Lynn C. Karp 

Nancy L. Karp 

Sally Karpen 

Irene Karterouliotis 

Zachary I. Kartez 

Spiro H. Kartsonis 

Paula R. Kassover 

Fay M. Kastan 

Anna M. Katechis 

Satnanan Kateram 

Deonisia Katos 

Maria Katrakazos 

Maria Katsanos 

Maria M. 

Katsigeorgis 

Supriya Katyal 

Alec V. Katz 

Donald Katz 

Ellen Katz 

Jennie R. Katz 

Ronald M. Katz 

Lenore Kaufman 

Mariola D. Kaufman 

Martin Kaufman 

Amy Kaufman 

Gillies 

Darshan Kaur 

Gurpreet Kaur 

Harpreet Kaur 

Jasbir Kaur 

Rani S. Kaur 

Stacey L. 

Kavanagh 

Rose M. Kawi 

Liliana Kayali 

Maryanne Kaye 

Gavriel Kazakov 

Laeequddin Kazi 

Joan E. Keane 

Sharon Keaney 

Luz S. Kearley 

Shannon L. 

Kearney 

Maggie Keats 

Gale P. Keenan 

James M. Keenan 

Sean Keenan 

Rosemary Keenan 

Zulli 

Patrick O. Kehinde 

Laura K. Keller 

Susan L. Keller 

Roxann Kellermann 

James A. Kelley 

Michael A. Kellman 

Cheryl A. Kelly 

June M. Kelly 

Kevin J. Kelly 

Robert W. Kelly 

Thomas A. Kelly 

Thomas R. Kelly 

Wendy Kelly 

Ryan C. Kelso 

Jennifer B. Kelter 

Michael J. Kenduck 

Mary E. Keneally 

Carroll Kennedy 

Donna Kennedy 

Lisa M. Kennedy 

Paul R. Kenney 

Patrick W. Keogh 

Amy Kernaghan 

Michael C. Kerris 

Rony Kessler 

Ray Kestenbaum 

Gary L. Kettering 

Linda Kettering 

Suzanne M. Kettle 

Mary Keyles 

Ofer Keynan 

Daiva L. Kezys 

Lili Khachatourian 

Orly F. Khalili 

Abdul Khalique 

Ayube Khan 

Bibi A. Khan 

Denise E. Khan 

Imran Khan 

Mir D. Khan 

Richard L. Khan 

Gullbahet Y. Khanat 

Avrekh Khanimov 

Rajinder Khanna 

Meher A. Khanzada 

Eva V. Khatana 

Ellen M. Khatoun 

Nargis S. Khawaja 

Sian E. Kicks 

Christy Kiernan 

James F. Kiernan 

Joseph P. Kiesche 

Jo Ann F. Kiesecker 

Peggy Kiesel 

Alfred R. Kiider 

Marisa A. Kilbrith 

Chang Su Kim 

Christina H. Kim 

Dong W. Kim 

Eun J. Kim 

Hyun K. Kim 

Il Oak Kim 

Ilsik Kim 

Jeong I. Kim 

Jin Hee Kim 

Jung Sun Kim 

Kee Y. Kim 

Kelly Y. Kim 

Kyunghee Kim 

Myongsoon R. Kim 

Scott Kim 

Seung H. Kim 

Sundong Kim 

Tina Kim 

Yongmi Kim 

Young B. Kim 

Young S. Kim 

Young S. Kim 

Young Kim 

Young Soo Kim 

Marjorie A. 

Kimelman 

Sandra Kimelman 

Sarah Kimko 

Mungae

Brenda King 

Denise M. King 

Gregory A. King 

Lori S. King 

Victoria A. King 

Robert Kipnis 

Michele A. Kircher 

Owen Kirton 

David Kissoon 

Kenrick Kissoon 

Joseph D. Kistinger 

Erlinda S. Klansky 

Iris H. Klein 

John P. Klein 

Lois A. Klein 

Martin Klein 

Maureen A. Klersy 

Ernest E. Kline 

Toby Klingsberg 

Anat H. Kliot 

Michael H. Kluse 

Linda H. Knabe 

Cathy A. Knespler 

Gary A. Knotoff 

Jayne L. Knox 

Alice Ko 

Chang H. Ko 

Taekyung Ko 

Erik Kobley 

Kathleen A. Koch 

Jeanette W. 

Koerner 

Susan B. Kogon 

Hee Jin Koh 

Shohreh 

Kohanzadeh 

Evis Kokalari 

Cleopatra Kokkinos 

Gabriel Kokkinos 

William D. Kokoris 

Emson M. Kokura 

Ellen Kolarcik 

Harvey Kolin 

Sheila D. 

Koliopoulos 

Sharon Kollore 

Michelle A. 

KolmelWischerth 

Catherine Kolsch 

Donna Komodikis 

Kau B. Kong 

Kim Hung M. Kong 

Veronica C. Koniuk 

Evangelia Kontis 

Gail A. Kontryn 

Debbie Kopack 

Carol Kopelman 

Cori Anne Kopke 

Deborah A. Kopp 

Letitia Kopper 

Maria S. Koprowski 

Barbara F. Korff 

Marilynn S. 

Kornfeld 

Lioudmila Korobova 

Linu Koshy 

Tony Koskinas 

Lynne Koszalka 

Jane E. Kotarski 

Carol A. Kouba 

Maria Koulmentas 

Theolo 

Theodore Kouris 

Kalliopi Koutsouras 

Linda Kouzoujian 

Alex Kouzouloglou 

Dina L. Kovic 

Regina Kovtsun 

Dawn Kowaleski 

Nina Kowalsky 

Steven Kozlowski 

Andrea Kozlowsky 

Lisa Kraljic 

Edgardo Kramer 

Joanne J. Kramer 

Karen F. Kramer 

Richard G. Kramps 

Gerard Krause 

Thomas Krauss 

Cheryl Kraut 

Eva Krawczyk 

Roslyn Kremsky 

Cristina M. Krener 

Patrick S. Kretz 

Heather R. Krieger 

Margaret M. Kriete 

Atika 

Krishnamurthee 

Karen L. Kroeppel 

Warren D. Kroeppel 

Annette F. Kroll 

Erik G. Kroll 

Domenica Krollage 

Jerold Krupnick 

Theresa Krupowicz 

Barry Krupp 

Marcella Kruszka 

Wieslaw A. 

Krzesniak 

Tracey L. Kuczinski 

Karen L. Kuehn 

Judy C. Kugelman 

Robert M. Kuhar 

Mary Kuhlkin 

So Kit Kui 

Krista Kujat 

Joan M. Kulick 

Robert E. Kulovany 

Amandeep Kumar 

Gautam C. Kumar 

Ranjit K. Kundu 

Debra J. Kuntz 

Donna M. Kunzig 

Len Kunzig 

Yu Nung Kuo 

Theresa 

Kusmierczyk 

Ann E. Kuss 

Lawrence Kuznick 

Sunny T. Kwan 

Mariana Kwang 

Wai Ling Kwok 

Patricia J. 

LaBarbera 

Rosalie A. Labbate 

Patricia M. LaBella 

Theresa E. 

LaBoccetta 

Frances P. 

Lacerenza 

Ross S. LaCorte 

Robert V. Lacosta 

Whitney M. 

LaCosta 

Carlos Ladino 

Sanjay LaForest 

Maria Eloisa Lago 

Kelly Lagoudis 

Steve Lagoudis 

Monica Lai 

Simon Lai 

Roberto Laino 

Paul S. Lalima 

Artur Lalmiyev 

Arjan T. Lalwani 

Chui Lam 

Hing C. Lam 

Vien C. Lam 

Wai Ki Lam 

William M. 

Lamadore 

Karen R. LaMarca 

Catherine 

Lambiase 

Richard C. LaMere 

Andrea LaMothe 

Susan A. Lampach 

Vaz D. Lancy 

Diane Landau 

Richard Landivar 

Kate Landsdorf 

Jeanne Lee 

Landsiedel 

Maureen A. Lane 

Anita M. Lang 

Donald G. Lang 

Joyce A. Lang 

Ann Langan 

Teresa M. Langan 

Sharon A. Langdon 

Philip Langiulli 

Rosetta B. Langlois 

Jill Langus 

Edward M. Lanigan 

Pamela G. Lanigan 

Katya Y. Lantigua 

Denise A. 

Lanzarone 

Marco LaPadura 

John A. Lappas 

Marianne Lappas 

Mary E. Lappin 

Marmorowsk 

Denice Lara 

Joseph A. 

Laracuente 

Lois Larghi 

Rhonda Larit 

Diane M. Larsen 

Gail Larsen 

Andrew LaSala 

Edward J. LaSalle 

Maggie M. LaTessa 

Fatimah Latimer 

Murphy 

Alejandro LaTorre 

Paul A. LaTrace 

Alessandra 

Lattanzio 

Joanna M. Lattarulo 

Louis Lattarulo 

Alex Lau 

David Lau 

Jody S. Lau 

Yun Heng Lau 

Antonio Lauradin 

Janet F. Lauricella 

Denise Lauth 

Karen J. Laux 

Cheok Mun Law 

Patricia M. Law 

Richard L. Law 

Maureen Lawlor 

Lipari 

Lee H. Lawrence 

Sheila Lawrence 

Patricia L. Lawson 

Joseph Lazare 

Linda A. Lazio 

Mai T. Le 

Migdalia Leahy 

Kevin M. 

Leatherman 

Eileen E. LeBrando 

Darren Lee 

Dong H. Lee 

Dong H. Lee 

Duckjae Lee 

Eun Joo Lee 

Giwoo Lee 

Gloria Ching S. Lee 

Hak Yong Lee 

Henry K. Lee 

Ho Keun Lee 

Howard Lee 

Hsing H. Lee 

Jae C. Lee 

Jennifer N. Lee 

Joann Lee 

Joanna Yu Lee 

John J. Lee 

June Lee 

Kyoung A. Lee 

Li Wen Lee 

Michael Lee 

Phoebe K. Lee 

Richard C. Lee 

Robert Lee 

Seung Hee Lee 

Shalou Lee 

Stephen P. Lee 

Yeonjin Lee 

Yoon E. Lee 

Arlyne R. Leeds 

Robert G. Leek 

Daniel J. Lees 

Debra Leff 

Charles Lefkowitz 

David M. Legaz 

Nancy M. Legaz 

Francine Leggio 

Anthony J. Legotti 

Sandra L. Legotti 

Joyce B. Lehn 

Katherine E. Lehner 

Paul W. Lehrman 

Mark Lei 

Lisa M. Leib 

Arlene Leibowitz 

Lance L. Leighton 

Patricia Leighton 

Steven D. Leighton 

Alphonsus 

Lemanya 

Vincent M. Lentino 

Leslie L. Lenz 

Donald R. 

LeoGrande 

Cynthia A. Leon 

Melanie T. Leonard 

Susan F. Leonard 

Roseann J. 

Leonardis 

Edwin M. Leonardo 

Joseph V. 

Leoncavallo 

Nancy A. Leone 

Kwong C. Leong 

Nelson J. Leong 

Phillip LePage 

Lisa E. LePorin 

Sandra Lerner 

Tanda J. Lerner 

Susan Leshaw 

Bernadette Leto 

Wisniski 

Jane L. Letterman 

Louise A. Lettieri 

Fleury 

Maria T. Leva 

Linda R. LeVaillant 

Charles A. Levas 

Julian E. Levi 

Terri Levin 

Joan F. Levine 

Steven L. Levine 

Iris L. Leviten 

Patricia Levitt 

Marie S. Levy 

Marsha Levy 

Mitchell J. Levy 

Ruben Levy 

Sandra 

Lewandowski 

Brenda Lewis 

Dawn M. Lewis 

Linda H. Lewis 

Merton A. Lewis 

Robert M. Lewis 

Sean A. Lewis 

Senice C. Lewis 

Sandra D. Lewis 

Belle 

Grace M. Leyhane 

Tsering Lhundup 

Eugene Li 

Jay Li 

Lisa L. Li 

Mei Li 

Ping Li 

Shaogang Li 

Wendan Li 

William Li 

Wing T. Li 

Ze Lun Li 

Ben Z. Liang 

Gang Liang 

Hui Mei Liang 

Julian C. Liang 

Gary T. LiBert 

Anthony J. Liberti 

Barbara Liberti 

Maria T. Licari 

Richard A. Licari 

Antoinette M. Licata 

Linda A. Licata 

Wendy T. 

Lichtenberg 

Alan N. Lichtenstein 

Lillian Liem 

Jennifer S. Lien 

Karen Lieu 

Martin M. Ligorner 

Toby Ligorner 

Lisa M. Lilly 

Hol Yung Lim 

Betty P. Lin 

De Rong Lin 

Fiona Lin 

Ji Juan Lin 

Jiang Feng Lin 

Lifeng Lin 

Ling Qin Lin 

Mei Rong Lin 

Mingyang Lin 

Qi Tan Lin 

Xin Ping Lin 

Zhi Rong Lin 

Richard J. Lind 

Maria G. Lindh 

Steven C. Lindo 

Christine Link 

Dorothy Linsley 

Christopher J. Liotta 

Sean P. Lipien 

Meryl A. Lippert 

Sal Lissandrello 

Carol A. Litchfield 

Michael P. Litzner 

Patricia A. Litzner 

Amy Liu 

Chunnuan Liu 

Ding Liu 

Guoxi Liu 

Hsin Kuei Liu 

Jie Hong Liu 

William C. Liu 

Ester Livian 

Teddy H. 

Livingstone 

Charanjeev Lnu 

Chun Bun Lo 

Shirley L. Lo 

Susan Lo 

Yang Lo 

Jack LoBiondo 

Jacqueline M. Lobo 

Loretta M. LoCastro 

Renee Lochridge 

Enid N. Lockery 

Daniel D. Lockett 

Anthony LoConte 

Mark Locorriere 

Vita Lodespoto 

Jeanne Lofgren 

Mary X. Logalbo 

Ronald J. Logallo 

Nancy M. 

Logothetis 

Kevin N. Loiacono 

Josue Loja 

Laura H. Loli 

Gina R. Lollo 

Nick A. Lombardi 

Paul J. Lombardi 

Karen L. Lombardo 

Mario J. Lombardo 

Christine Lomonaco 

Eliot R. Lonardo 

Thomas J. 

Lonegan 

Jeanne A. 

Longueira 

Laureen Lopacki 

Arleen L. Lopardo 

Diane S. Loper 

Antonio O. Lopes 

Idalina Lopes 

Alejandro Lopez 

Charlane J. Lopez 

Clara Lopez 

Claudia P. Lopez 

Eddison M. Lopez 

Juan G. Lopez 

Luz S. Lopez 

Ricardo J. Lopez 

Vanessa Lopez 

Marsha E. Lopicola 

Marjorie T. Lord 

Cheryl Lorefice 

Patricia E. Lorenzo 

Janice LoRusso 

Rose LoRusso 

Peggy LoScalzo 

Mary R. Losquadro 

Sandeep N. Lotlikar 

John Lotrijan 

Joann Lotterhos 

Andrew Louca 

Louis F. Louissaint 

Mary E. Love 

Judith A. Lovecchio 

Laura J. Lovejoy 

Charles Lovell 

Phyllis Loverme 

Ina A. Lovett 

Joan G. Low 

Anselm A. Lowe 

Chrysanthe E. 

Lowry 

Rita J. Lowry 

Donna M. Lozada 

Cristobal Lozano 

Jing Lu 

Adel Lubarsky 

Anthony Lubrano 

Antoinette Lubrano 

Lorraine L. Luca 

Ciro Lucana 

Brenda R. Lucas 

Barbara Lucchesi 

Charles F. Lucchesi 

Daniela Luchian 

Bettina B. Lucivero 

Elizabeth R. 

Lucivero 

Nancy Luft Weiss 

Irma E. Lugares 

Mark C. Lukas 

Janet Lukonina 

Gianmarco Lullo 

Charlene D. Luna 

Charles Luna 

Andrea Lundquist 

David H. Lunenfeld 

Xiao Ying Luo 

Iris Luongo 

Dostis Lupe 

Gina Lupo 

Salvatore J. Lupo 

Elizabeth Lutero 

Nancy L. Lutz 

Brian Lux 

Saul Luzeus 

Dorothy H. Lynch 

Jacqueline V. Lynch 

Colleen A. Lynch 

Feldman 

Sidney L. Lynn 

Camille S. Lyons 

Kevin M. Lyons 

Connie Ma 

Johnstone S. Ma 

Lin Ma 

Cynthia J. 

Macaluso 

Mary M. Macaluso 

Diane Macari 

Joseph T. Macari 

Louis J. Macari 

Teresa MacDonald 

Hattie Mack 

Patrick H. Mackay 

Sally E. Macken 

Robert J. 

Mackenzie 

Mary E. Maclachlan 

Sara Madan 

Pantea Madani 

Susan R. 

Maddaleno 

Richard A. Maddas 

Matthew C. 

Madden 

Cetti Madonna 

Toni Madorma 

Helene M. Madr 

Louis B. Madrid 

Mels Maerov 

Janet M. Maffucci 

Catherine Magee 

Cherie Magee 

Ellyn Lyn Magee 

James Magee 

Joseph B. Maggio 

Linda G. Maggio 

Agnes C. 

Maginniss 

Ronald A. 

Maginniss 

Elsie D. Magloire 

Estelle Magrene 

Michael A. 

Mahabeer 

Gyan Mahabir 

Stephen Mahabir 

Irma S. Mahadeo 

Kimchan Maharaj 

Sharon S. Maharaj 

Marie J. Mahecha 

Rose Marie Maher 

Sheila T. Maher 

Simin Mahfar 

Erik C. Mahler 

Ansar Mahmood 

Maria A. Mahon 

Carol A. Mahoney 

Thomas P. 

Mahoney 

Peter R. Maitlall 

Moni R. Majumder 

Joseph Makinajian 

Daniel J. Makowski 

Amarilys 

Maldonado 

Hector Maldonado 

Shahid H. Malik 

Zafar A. Malik 

Nancy S. Malin 

Susan B. Malina 

Robert J. Mallas 

Sanjaya Mallick 

Rose Mallol 

Kimberly M. Malone 

Stephen P. Malone 

Thomas V. Malone 

Catherine A. 

Maloney 

Michael J. Maloney 

Kristin A. Maltaghati 

Kristina M. Maltese 

Orly Mamann 

Joan S. Mamo 

Hamida Mamoor 

Sarah Manarel 

Moniram Manbode 

Joanna Mancini 

Margot R. Mancini 

Marina L. Mancuso 

Nirmal Mandal 

Patricia A. Mangan 

Linda A. 

Manganaro 

Debra A. 

Mangogna 

Jack Gajraj Mangra 

Julio C. Mangual 

Elizabeth Maniatis 

John F. Maniec 

Theresa 

Maniscalchi 

Dimitrios Manitaras 

Alan B. Mann 

Kathleen W. Mann 

Mohammed R. 

Mannan 

Catherine M. 

Manning 

Kevin J. Mannix 

Angela E. Manos 

Christopher F. 

Mansfield 

Sahra Mansouri 

Afati 

Cindy Mantione 

Jose R. Manzano 

Dayle M. Manzo 

Doreen Manzo 

Ramon Mappala 

Gerardo Marano 

Shari F. Marano 

Anthony Marazzito 

Jane M. Marcello 

Daniel A. Marchan 

Gail S. Marchbein 

Catherine 

Marchesano 

Norm Marcioch 

Coleen Maresca 

Jeffrey Maresca 

Carl P. Margliano 

Sophia Margolin 

Lorraine A. 

Margulies 

Maryann E. 

Marinello 

Francesco S. 

Marino 

Lawrence N. 

Marino 

Phillip R. Marino 

Robert F. Marino 

Salvatore G. Marino 

Donette V. Marion 

Marlene M. 

Markard 

Janet J. Markarian 

Steven E. Markfeld 

Melinda Markland 

Jessica Markovic 

Judy S. Markowitz 

Debbie Markus 

Brigid Marmorowski 

Lorraine Marotta 

Mary Lou 

Marquardt 

Maria Marquez 

Reinaldo Marquez 

Rufino E. Marquez 

Anthony G. Marra 

Carmela Marra 

Merollo 

Pauline V. Marrero 

Samuel Marrero 

Joan L. Marrinan 

Gerard M. Marrone 

Lisa Marie Marrone 

Elaine Marsicano 

Michael Marsilio 

Amalia B. Martelli 

Douglas Martin 

Julie M. Martin 

Kathleen Martin 

Kathryn A. Martin 

Mark P. Martin 

Patricia E. Martin 

Groeling 

Francisco J. 

Martinez 

Gladys Martinez 

John Martinez 

Kelley A. Martinez 

Maria Martinez 

Maryann Martinez 

Teresa Martinez 

Vito Martinico 

Marialuisa Martins 

Mariema Martins 

Madhavi L. 

Marupudi 

Lynn C. Marvin 

Harvey C. Marx 

Dennis Marzocco 

Walter J. Masalin 

Niru Mascarenhas 

Simon Maskil 

Judi Ann Mason 

Michelle A. Mason 

Suzanne Mason 

Socario Mass Khan 

Christopher C. 

Massaria 

Ferdinando 

Massimo 

Patricia A. Massimo 

Eileen Massone 

Denise A. 

Mastrangelo 

Stephanie A. 

Mastroianni 

Lori Mastropierro 

Sylvia R. Mata 

Earl D. Matchett 

Jane R. Matchett 

Lillian Matej 

Lucian Matej 

Adonis Mateo 

Cathleen Matera 

Philip M. Matera 

Jane Matera 

Lohmann 

Carolyn Matherson 

Janice S. Mathew 

Mathai V. Mathew 

Sandra R. Mathis 

Ivelisse A. Matias 

Margaret G. Matias 

Christina M. Matson 

Alexandra 

Mattheopoulos 

Christine Mattos 

Joyce L. Mauceri 

Rose J. Mauriello 

Frederick H. Maurin 

Helen Maxwell 

Bryan S. May 

Janice A. May 

John M. May 

Rachele Maybrown 

Lisa Maynard 

William A. Maynard 

Sheila Mayola 

Helen P. Mayor 

Frances Mazer 

Carol Mazyck 

Anthony J. Mazza 

Richard Mazza 

Kathleen M. 

Mazzaferro 

Antonino Mazzara 

Barbara A. 

Mazzitelli 

Carmela Mazzitelli 

Susan Mazzola 

Kerry M. Mazzone 

Thomas J. 

McAdam 

Kelli L. McAllister 

Julie M. McAndrew 

Kevin J. McArdle 

Michelle F. Mcardle 

Jeanne M. McBride 

Anthony T. McCabe 

William J. McCabe 

David B. McCalla 

John P. McCalley 

Kevin R. McCann 

Cheryl A. McCarthy 

Crystal R. 

McCarthy 

Kevin J. McCarthy 

Thomas J. 

McCarthy 

Tirzah M. McCarthy 

Michele R. 

McCleary 

Robert W. 

McCleary 

Anaschka L. 

McClendon 

Joseph K. 

McCluskey 

Alonzo L. 

McCollum 

Nancy McConnin 

Kathleen A. 

McConville 

Cecile McCook 

Richard K. McCord 

Bridget M. 

Mccormick 

Patricia Z. 

McCormick 

Megan K. McCourt 

Deana H. 

McCreery 

John F. McCullagh 

Peter J. McCusker 

Regina A. 

McCutchan 

Barbara R. 

McDermott 

Joseph A. 

McDonagh 

Barbara McDonald 

Maureen McDonald 

Michael C. 

McDonald 

Michael D. 

McDonald 

Barbara 

McDonough 

Joanne Mcdonough 

Stacy L. McFadden 

Josephine A. 

McFadzean 

Michael McGee 

Theresa M. 

McGinley 

Susan McGloin 

Edward McGlynn 

Maureen D. 

McGoldrick 

David McGovern 

Jennifer B. 

McGovern 

Misty A. Mcgovern 

Mary A. McGrath 

Patricia H. McGrath 

Allison McGuire 

Kimberly D. 

Mcguire 

Marilyn McIntosh 

Meryl McKeegan 

Anita M. McKelvey 

Cynthia L. 

McKenna 

Hugh McKenna 

Sheila M. McKenna 

Olsen 

Erica S. McKenzie 

James K. McKillop 

Rose A. McKillop 

Diane T. 

McLaughlin 

Mary F. McLaughlin 

Carolyn M. McLean 

Janet S. McLean 

Julie McLocklin 

Edel McMahon 

Ellen E. McMahon 

Jeanette McMahon 

John G. McMahon 

Maryann V. 

McMahon 

Maureen A. 

McMahon 

Katherine A. 

McManus 

Michael A. 

McNamara 

Annette M. McNelis 

Sean P. McPartland 

Lindop J. McPhee 

Janine M. 

McQueeney 

Danielle K. 

McQuillan 

Joe J. McQuillan 

Peter J. McQuillan 

Regina M. 

McQuillan 

Debra Mcsheffrey 

Kiehn 

Eileen M. McVeigh 

Leland E. Meadows 

Angela V. Medalla 

Anthony Medici 

Theresa A. Medici 

Maria Medina 

Olivia Medina 

Claudette Y. Medley 

Carolyn Meenan 

Jennifer M. Megale 

Vedamattie D. 

Megnath 

Michelle A. Mehling 

Deepak S. Mehta 

Minakshi Mehta 

Suhag Mehta 

Tanya Meiler 

Christopher 

Meittinis 

Alexander R. Mejia 

Marco A. Mejia 

Ethiel Melecio 

Dora E. Melero 

Graciela L. Melero 

Jane Melinger 

Donna Mello 

Anita K. Meltzer 

Donna L. Memoli 

Varland 

Mohamed A. 

Menasy 

Matthew Mendell 

Jules I. Mendelson 

Lino J. Mendogni 

Denia G. Meneses 

Christopher Menna 

Clemencia 

Mennella 

Theodora Mennella 

Demetria J. 

Menoutis 

Christine M. 

Menusan 

Arlene P. Menzel 

Truumees 

Loredana Meo 

Janice Mercadante 

Kelly Mercado 

Livia D. Mercado 

Indira Mercedes 

Angelo Merchan 

Betty Mercurio 

Linda E. Mercurio 

Margaret T. 

Merendino 

Meryl G. 

Merenstein 

Josephine 

Meringolo 

Jose A. Merino 

Marco A. Merino 

Kenneth G. Merkel 

Tammy M. Merrill 

Robin R. Meshonek 

Carmen Mesiti 

Sharon Ann 

Messier 

Angelo Messina 

Cheryl A. Messina 

Janice Messina 

John W. Messina 

Paulina Messina 

Angela Metaras 

Mary V. Meyer 

Sally E. Meyer 

Tara B. Meyer 

Barbara A. Meyers 

Stacy B. Meyrowitz 

Sandra Meza 

Tahir Mian 

Charles J. Miata 

Joyce Michaels 

Howard W. 

Michaelson 

Anna Michailidis 

Jason P. Michaleas 

Tomasz D. 

Michalowicz 

Annemarie F. 

Michitsch 

Jeffrey D. 

Middleman 

Bernard Miglio 

Teresa Miglio 

Vacileios 

Mihalopoulos 

Boris Mikhailov 

Patricia A. Mikoleski 

Orlando 

Michelle J. Milana 

Anthony Milano 

Dineen M. Milano 

Martha Milazzo 

Cynthia M. Miles 

Alice P. Miller 

Blossom J. Miller 

Bonnie L. Miller 

Carol M. Miller 

Dean M. Miller 

Debra B. Miller 

Donna F. Miller 

Lorraine Miller 

Robert R. Miller 

Sharon A. Miller 

Shirley A. Miller 

Susan L. Miller 

Joanne Mills 

Marisa Milo 

Patricia C. Miloski 

Joseph B. Mimmo 

Miyata A. Min 

Jane L. Mincer 

Guy T. Mincieli 

Doreen C. Miner 

Li Dong Ming 

Carmen J. 

Mingolelli 

Sheila D. Minkel 

Dorothy F. Minnick 

Kenneth J. Mintz 

Susan C. Mirabella 

Vincent J. Mirabella 

Laurie J. Miranda 

Neva J. Mirando 

Donna Marie Miro 

Kiki Mironis 

Joan F. Mirro 

Michele M. Mirro 

William M. Mirro 

Zaida E. Mirto 

Lorraine A. Mischke 

Nazarene Misir 

Latchman Misra 

Jeffrey Mistretta 

Kimberly J. 

Misuraca 

Daniel J. Mitchell 

Maria Mitchell 

Eddie E. Mite 

Inbar Mitzman 

Joanne Mizvesky 

Sung H. Mo 

John Mobyed 

Neal K. Modi 

Sudeep J. Modi 

Joseph Modica 

Rosemarie Modica 

Carolyn Moezinia 

Charles G. Mogul 

Judith Mogul 

Alvin C. Mohabir 

Lionel A. Mohabir 

Patsy Mohabir 

Karamchand K. 

Mohan 

Sattie Mohan 

Druvraj Mohanlal 

Syed M. Mohiuddin 

Deborah Mohring 

Roberta P. 

Moldawsky 

Michael S. Mole 

Lydia Moleros 

Jennie A. Molinaro 

Mohammed N. 

Mollah 

Gloria C. Molloy 

Ferenc Molnar 

Frances M. 

Monaco 

Josyane Monaco 

Lucy E. Monaco 

Jill M. Monahan 

Jullie Monarchio 

Matthew E. 

Monchik 

Teresa Monda 

Palma Mondelli 

Janet Mondor 

Vladimir Monel 

Maria Jeanne 

Moneta Cafiero 

Joseph J. Mongelli 

Ester M. Monroy 

Michael J. 

Montalbano 

Adriana Montalenti 

Holger M. 

Montaleza 

Blanca Montalvo 

Yolanda 

Montefusco 

Gale L. Montello 

Justine M. Montello 

Veronica 

Montemarano 

Geri M. Monzillo 

Barbara A. Moody 

Lenora Moody 

Ae J. Moon 

James Mooney 

Daniel T. Moore 

Evelyn E. Moore 

Frances Moore 

Carol D. Moorer 

Elizabeth Moquete 

Ercole Mora 

Enzo C. Morabito 

Arthur B. Moral 

Jorge Morales 

Malina Morales 

Bernard J. Moran 

Cathy Moran 

Maureen Moran 

Lori E. Moravek 

Nenita M. Morel 

Jerome Morello 

Nadine Morency 

Daniel S. Moreno 

Tara E. Moreno 

Lynne M. Moreo 

Rosalinda R. 

Morgan 

Susan Morgan 

Veroniqueca 

Morgan Aydelott 

Anna Morin 

Ira Morley 

Carolyn D. Morris 

Jeffrey F. Morris 

Michael J. Morris 

Pamela Morris 

Peter Morris 

Sandra A. Morris 

Karen B. Morrison 

Denise M. 

Morrissey 

Suzanne E. Morselli 

Vincent A. 

Mortensen 

Donna A. Mortimer 

William J. Moseley 

Patricia M. Moser 

Joseph M. Moshe 

Cindy M. Moshman 

Alyette R. Mosleh 

Luz A. Mosquera 

Jeffrey R. Moss 

Carol A. 

Motschwiller 

Elizabeth Mottola 

Manuel Mourino 

Marcos A. Mourino 

Helen Moutopoulos 

Parvin Movtady 

Lucy S. Moy 

Brian A. Mozian 

Robert P. Mozian 

Elzbieta D. Mroz 

Joanna Mrzyk 

Patricia M. Mucciolo 

Cristian R. Muentes 

Elizabeth 

Muhlenbruck 

Wan S. Mui 

Satyabrata 

Mukherjee 

Sabarinath 

Mukundannair 

Clarice I. Mulcahy 

Frank L. Mule 

Anne Mulholland 

Barbara A. 

Mullaney 

Sheila Muller 

Marcia A. Mullings 

Khaim Mullokandov 

Adelaide L. Mulry 

Amarjeet S. Multani 

Howard F. Multer 

Caryl E. Mundy 

David P. Murad 

Rafiqul I. Murad 

Dorothy M. 

Muratore 

Sandra Murer 

Weissberg 

Lea M. Murillo 

Maureen Murino 

Theresa Murino 

Wolf 

Denis G. Murphy 

Diane Murphy 

Ivy V. Murphy 

Linda R. Murphy 

Mary E. Murphy 

Robert M. Murphy 

Bibi H. Murray 

Catherine J. Murray 

Joanne Murray 

Kelly J. Murray 

Theodore Murray 

Michelle R. 

Muschenick 

Concettina I. Musso 

Paul A. Musso 

Peter S. Musso 

Safet Mustafic 

Thomas M. Musto 

Denise M. 

Musumeci 

Noreen Musumeci 

Elaine Myers 

Kathleen Myers 

Marshall W. Myers 

Abraham M. Myles 

Anna Naccarato 

Charles J. Nack 

Paulette A. Nadel 

Rhoda Nadell 

Nancy M. Nadrich 

Lionel Nagapen 

Louis Nagy 

Patrick Nagy 

Anet Nahum 

Jayakrishnan Nair 

Akie Naito Gearns 

William Y. Najarro 

Sang S. Nam 

Pat Naples 

Christina L. Napoli 

Kathryn E. 

Napolitano 

Paul P. Napolitano 

Nina R. Naqvi 

Angel G. Naranjo 

Sonia Naranjo 

Donna E. Nardi 

Maria S. Nardi 

Christopher R. 

Nardo 

Chatterpaul Narine 

Chaim Narkis 

Jasjot Narula 

Elizabeth Nash 

Sheila F. Nash 

John Natale 

Stacey E. 

Nathanson 

Thomas P. 

Naughton 

Mara D. Navaretta 

Margot I. Navarro 

Sonia A. Navas 

Espana Nazar 

Steven W. Neama 

David G. Nedvin 

Rowena L. Nedvin 

Gloria J. Neglia 

Diane Negron 

Pauline M. Negron 

Spiller 

Kim P. Nelson 

Catherine Nemecek 

Ariel Nemzeyano 

Aviram 

Nemzeycino 

Margaret Nenos 

Suzanne M. 

Nerwinski 

Bibi M. Nesa 

DeWayne Nesbitt 

Lisa Nesbitt 

Danielle N. Nese 

James A. Netter 

Kristina S. Netter 

Cynthia A. Nevins 

Marvin F. Newman 

Johnny W. Ng 

Kam Ng 

Wai Fu Ng 

Tiffany Ngo 

Linda P. Nguyen 

Fahron F. Nibbs 

Loussik Nichanian 

Patricia M. Nicklaus 

William F. Nicklaus 

Margarita Nicolaou 

Christopher H. 

Niebling 

Barbara Nieves 

Derrick Nieves 

Sharmila B. Nigalye 

Gisela I. Nightingale 

Peter Nikakis 

Walter G. Nikles 

Marios M. 

Nikolaides 

Marie Denise E. 

Niles 

Colleen Nill 

Alvaro Nino 

Jaime E. Nino 

Eliahu Nir 

Spiros Nitis 

Janet L. Nix 

Dawn A. Noak 

Lourdes Nobile 

Stalyn O. Noboa 

Marian M. Noel 

Sanjeev Noel 

Franklin M. Norce 

Regina Normil 

Raymond J. 

Norowski 

Floretta I. Norris 

Gary W. Northrup 

Maryna Nosava 

Santo Novelli 

Lori Ann Novello 

Lynn C. November 

Stephen W. 

Nowicki 

Christine Nowierski 

Luis A. Nunez 

Margaret R. 

Nunziata 

Jennifer C. 

Nussbaum 

Cindy O’Brien 

Nancy E. O’Brien 

Ana G. O’Connell 

Daniel T. O’Connell 

Gerard L. O’Connell 

Patricia A. O’Connell 

Diane R. O’Connor 

Gerard O’Connor 

Philomena C. 

O’Connor 

Maureen T. 

O’Donnell 

Michael E. O’Dwyer 

Virginia O’Dwyer 

Michael J. O’Hare 

Dulce O’Harra 

Gina O’Kane

Carol A. O’Leary 

Brian O’Malley 

Angela M. O’Neill 

Debra O’Neill 

Gerald E. O’Neill 

Patricia M. O’Neill 

Robert J. O’Neill 

Timothy J. O’Neill 

Allison G. O’Rourke 

Francine O’Rourke 

John C. O’Shea 

Jay Oberlender 

Karen Wagner 

O’Donovan 

Marinus P. Oele 

Doris Ofori Atta 

Doris Ogazon 

Michael Ogazon 

Mark T. Ogden 

Clement L. Ogera 

Agatha Ognibene 

Sunny K. Oh 

Lucille Oissar 

Pete U. Oissar 

Victor Okodogbe 

Alba D. Oleary 

Catherine A. Oleon 

Benedetto A. Oliva 

Diane Oliva 

Lucy Oliva 

Anthony R. Oliverio 

Julie Oliverio 

Helene E. Oliviera 

Maria E. Olivo 

Maritza Olivo 

Priscilla J. Olivo 

Elayne Olley 

Omid Oloumi Tousi 

Georgine L. Olsen 

Michael T. Olsen 

Laryon C. Onwu 

Nicole Y. Opisso 

Scott N. 

Oppedisano 

Lynn Orczyk 

Roberta I. Orell 

Kathy Orioli 

Peter T. Orisses 

Jodie B. Orlando 

Laura L. Orlando 

Rosemarie Orlando 

Constance M. 

Ormsby 

Meche N. Orozco 

Jason Orsini 

JesusAllison Ortega 

Susana Ortega 

James Orticelle 

Aracelis Ortiz 

Hidel Ortiz 

Irma D. Ortiz 

Jose M. Ortiz 

Lourdes Ortiz 

Margarita Ortiz 

R Ariel Ortiz Silva 

Nigel S. 

Osarenkhoe 

Barry S. Osborn 

Vilma T. Osborne 

Daniel Oscar 

Kenol Oscar 

Sarker S. Osman 

M Yolanda 

Osmolska 

Juliet Ossam 

Janet Otis 

Patricia A. Otis 

Gloria M. Ott 

Patricia Ottati 

Hui Cheng Ou 

Irene Overbeck 

Philana M. 

Overstreet 

Alvin Owen 

Susan G. Owen 

Anthony N. 

Paccione 

Mary Anne 

Paccione 

Robert B. Pace 

Parminder S. 

Padda 

Pedro J. Padilla 

Gina M. Padro 

Jose A. Padro 

Christina Padula 

Carmen A. Pagano 

Dominic J. Pagano 

Laura Page 

Anna T. Pagliughi 

Anthony B. 

Pagliughi 

Joan B. Pagnotta 

Geraldina Pagoto 

Roxanne Paino 

Tiffany Rose 

Palagonia 

Jennifer Palazzola 

Peter Palazzolo 

Janis L. Palermo 

Lisa Palermo 

Michael A. Palermo 

Mark A. Palladini 

Amerigo A. Pallotta 

Maria S. Palmar 

Samuel Palmer 

Vasilia Palmos 

Qi Pan 

Shu Na Pan 

Panagiota G. 

Panagiotou 

Tasia Pando 

Parag K. Pandya 

Chih C. Pang 

Rosemary Panico 

Albert J. Pantino 

Barbara A. Pantino 

Samantha D. 

Panton 

Janet Panzeca 

Kim S. Panzner 

Palazzolo 

Carol A. Paolillo 

Beverly A. Paolotti 

Anthony Paone 

Angela Papa 

Vincent C. Papa 

Leonidas Papalas 

Maureen Papalas 

Louis N. Papas 

Mary Papastratis 

Bonnie R. Papish 

John A. Pappalardo 

Robert Pappalardo 

Fredis H. Parada 

Emmett J. Paradine 

Roberto Paradis 

Donnamarie 

Parasimo 

Lauren A. Parasmo 

Amrita C. Paray 

Henry Parciak 

George Pardalis 

Andrea Paredes 

Pasquale Parente 

Lawrence T. Paretta 

Angela L. Pariselli 

Richard A. Parisi 

Sherene Parisi 

Daniel J. Park 

Holly K. Park 

Hwang W. Park 

Hyunsook Park 

Kyong N. Park 

Michael Park 

Nami Park 

Sang S. Park 

Bonnie Parker 

Christine G. Parker 

Thomas J. Parkes 

Susan E. Parks 

Malgorzata 

Parlewicz 

Robert A. 

Parnagian 

Brenda Parra 

Servante S. Parray 

Lopez 

Arthur T. Parrin 

Sabrina Parrino 

Justin Parsons 

Besham Parsram 

Patricia Pascarella 

Maria Pascaretti 

Mohammad S. 

Pasha 

Mary Pasquarelli 

Anthony 

Passalacqua 

Jennifer Pastore 

Joan E. 

Patchowsky 

Divyang Patel 

Hemali S. Patel 

Christina Paterno 

Antonio J. Patino 

Gladys Patino 

Andrew F. Patricola 

Dionne L. Patterson 

Owal Julian 

Patterson 

Mel J. Patto 

Kathleen J. Paturno 

Donna Paul 

Marc Paz 

Jefferson Pazmino 

Joanne Pearson 

Leslie A. Pecheur 

Rita E. Pecora 

Ralph H. Pecorale 

Maria G. Pedro 

Taryn L. Peel 

Anthony J. 

Pellicane 

Armida C. Pena 

Debra T. Penkava 

Joan Penn 

Lynda M. 

Pennachio 

Kristen Pennestri 

Debra L. Penzone 

Erin E. Pepe 

JoAnn Pepe 

Arleen Perez 

Emiliano Perez 

Ercilia Perez 

Iliana Perez 

Jorge D. Perez 

Laurie A. Perez 

Victor M. Perez 

Donna Periconi 

Lucy A. Perillo 

Nancy Perna 

Judy A. Pernice 

Peter A. Perone 

Linda Perrotti 

Jacqueline Perry 

Michael J. Perry 

Vincent J. Pers 

Brijanand Persaud 

Eshwar Persaud 

Jeewan Persaud 

Peggy R. Persaud 

Raividat Persaud 

Ronald D. Persaud 

Rookmin Persaud 

Sasekumar 

Persaud 

Cynthia T. Persichilli 

Bergm 

Kenneth S. Pertab 

Louis Pescatore 

Asmaa Petaludis 

Compton J. Peters 

Robert Peters 

Patricia J. Petersen 

Patricia K. Petersen 

Charles D. 

Peterson 

James E. Peterson 

Rhona Peterson 

Susan M. 

Petkewicz 

Madeleine F. 

Petrara 

Nikolaos Petratos 

Elizabeth A. Petrie 

Gina M. Petrie 

Tina M. Petronio 

Jean M. Petter 

Robert C. Pettinato 

Lori Ann Pfeifer 

Stephen Pfeufer 

Khanh T. Phan 

Sultana Y. Phelan 

Michele Phelps 

Vachier 

Bruce C. Phillips 

James A. Phillips 

James F. Phillips 

Katrina D. Phillips 

Shirley E. Phipps 

Kathy Piazza 

Luis M. Picado 

Gilbert A. Picard 

Richard C. Picardi 

Virginia Picart 

Backus 

Leandro Pichardo 

Eytan A. Pick 

Mitchell Pickman 

Frances Picone 

Joseph Picone 

Tiffany A. Picone 

Patricia A. Pidgeon 

Mohammad Pier 

Barbara A. Pierce 

Ifoma O. Pierre 

Leonor Pierre Louis 

Loretta 

Pietrangolare 

Nicole 

Pietrangolare 

Frank Pignataro 

Richard I. Pigott 

Gavin E. Pike 

Donna Pilallis 

Corinna Pillari 

Betty Ann Pilling 

Jasher Pineda 

Ana Cristina R. 

Pinheiro 

Nelson Pinilla 

Olga Pinkhasova 

Kuni Pinner 

Gustavo Pino 

Jovany S. Pinto 

Yesenia Pion 

Helen Piovesan 

Frank C. Piparo 

Carroll Pipitone 

Janine A. Pipolo 

Claudia L. Pira 

Edward A. Pirro 

Michael J. Pisani 

William F. Pisani 

Sofia N. Pispitsos 

Jessica M. Pistorius 

Louise F. Pitlake 

Catherine Pittala 

Eaton A. Pitter 

Susan Pittsburg 

Vita Pizaro 

Lori Placido 

Ida Plaia 

Victor Platt 

Lisa M. Platti 

Joseph M. Pleffner 

William P. Plunkett 

Ah Kwan C. Po 

Armando J. 

Polanco 

Jose A. Polanco 

Robert Polgar 

Marie Polito 

Salvatore Polito 

Barbara J. 

Poliwoda 

Kenneth D. 

Poliwoda 

Evan S. Polland 

Laura Pollari 

Joseph A. Pollini 

Maureen Polye 

Iris Pomonis 

Pornnipa 

Pongvitayapanu 

Pornpimon 

Pongvitayapanu 

Joseph Ponte 

Wendy A. Ponte 

Patricia H. Ponzi 

Robert K. Ponzi 

Francois Ponzio 

Judy Poon 

James R. Poro 

Stephen J. Portelli 

Lawrence C. Porter 

Tatyana N. Porvina 

Jay B. Poster 

Ellen Potere 

Thomas M. Potter 

Dennis Poulos 

Marie Povinelli 

Carolita Z. Powell 

Diane A. Powell 

Susan E. Power 

James S. Powers 

Saroj Prabhakar 

Miroslava L. 

Pradella 

Rosemary Prange 

Peter Prashad 

Sharon C. Pratt 

Mark Prechtel 

Amy S. Prego 

Mary Preisel 

Ruth Press 

Paul P. Presta 

Benjamin Preston 

Fridman 

Stephen J. Prevete 

Michael A. Previti 

Frances K. 

Prezioso 

Beth Price 

Sheila I. Prince 

Steven A. Prince 

Laura Prince 

Vomvos 

M Elysia Prinz 

Maria Priovolos 

Joseph L. Pritchard 

David A. Procopio 

Louise M. Profita 

Maria Prois 

Karen L. 

Provenzano 

Kimon Psaltakis 

Marianna 

Psihudakis 

Teri Psillos 

Nicos Psomopoulos 

Carol J. Puccinelli 

Francesco Puccio 

Ana Puello 

Grace Ann Puente 

Barbara A. Pugh 

Kathleen J. Pugh 

Paul Puka 

Edith S. Pulizzotto 

Francesco 

Pulizzotto 

Thomas A. 

Pulvirenti 

Kristine F. Purish 

Beatrice E. Pyatt 

Asif Qazi 

Huy Boi Quang 

Marie Quatela 

Brian Quillin 

Catherine R. 

Quinlan 

Maureen R. 

Quinlan 

Christine Quinn 

Katherine A. Quinn 

Maribeth P. Quinn 

William M. Quinn 

Rose R. Quinones 

Myrian J. Quinonez 

Caroline M. 

Quintana 

Jorge G. Quintana 

Carmen E. 

Quintero 

Maria T. Quirk 

Gary A. Quist 

James E. Raber 

Deborah Rabinovici 

Gloria E. Rabson 

Randolph Rachlin 

Tomasz 

Raczkowski 

Eileen Rado 

Eugene Rado 

James Radosta 

Ruth Rafferty 

Kathleen A. Raffio 

Mohammad H. 

Rafiq 

Cristina R. Raggio 

Michael J. Ragusa 

Sung Rah 

Laura Raheb 

Tanveer Rahim 

Jay J. Raifman 

Debra Raimo 

Barbara L. 

Raimondo 

Maryann Rainone 

Steven J. Rainone 

Mary P. Raisen 

Barbara V. Raj 

Adnan Raja 

Vasant Raja 

Mohale C. 

Ralekhetho 

Irene Rallis 

Virginia A. Rallis 

Rozalyn Ralph 

Gwenn A. Ramage 

Kumarchand 

Ramanand 

Savita K. 

Ramchandani 

Christina C. 

Ramcharitar 

Lester G. 

Ramcharran 

Laxmi Ramdin 

Ataveira Ramirez 

Francisco J. 

Ramirez 

Mireya J. Ramirez 

Mark Ramjeet 

Antonis Rammos 

Chris Ramnarain 

Josephine Ramos 

Ruby Ramos 

Trevor A. Ramos 

Violeta Ramos 

Kumarie 

Rampersaud 

Ishwar Ramroop 

Subhas Ramroop 

Eric G. Ramsay 

Garth Ramsay 

Tammy J. Ramsay 

Angela Ramson 

John Randazzo 

Viviana E. Rangel 

Kathy Rankel 

Aileen Rankin 

Alfred Rankins 

Erlan Raphael 

Lois L. Rapiel 

Patricia Rasa 

Mohamed Z. 

Rasheed 

Reema Rasool 

Gail E. Rattner 

Richard D. Rawdin 

Jennifer Raynor 

Homayra Razawi 

Abdel Razick 

Adam Razik 

Donna Reardon 

Viviana Rebay 

Norberto E. Rebaza 

Joseph M. Record 

Karen L. Reddan 

Assunta S. Redding 

Shannon Reddish 

Patricia A. Redican 

Kim Redick 

Hilda Redmond 

Witt 

Stacey E. Reed 

Evelyn Reeff 

Daniel J. Regan 

Lourdes S. Regan 

Thomas V. Regan 

Michele Rehfeldt 

Shams U. Rehman 

Kevin D. Reid 

Angela Reilly 

Eileen Reilly 

James B. Reimers 

Michele W. 

Reinbach 

Paul A. Reinckens 

Renee Reiner 


Reinhardt 

Rose Reinhardt 

Denise Reinke 

Jason C. Reis 

Robin T. Reiss 

Suzette D. Reiss 

Valmeek M. Rekha 

Margaret M. 

Remhild 

Debra V. Remien 

Daisy Remigio 

Joseph A. Remkus 

Xiao D. Ren 

Kathryn Renaldo 

James R. Rendall 

Irina V. Renner 

Michael Rescigno 

Meryl L. Resnick 

Jeffery W. Rettaliata 

Pongpan 

Reungjantrarit 

Kimberly B. Rex 

Amy J. Reyer 

Maribel X. Reyes 

May Reyes 

Noyma I. Reyes 

Valerie Reyes 

Anne Reynolds 

Linda M. Reynolds 

Victoria Reynolds 

Lori J. Reynoso 

Poran Rezaei 

Eul Ja Rhee 

Sook Rye Rhee 

Sungkhil Rhee 

Deval D. Rhodes 

Linda Rhyu 

Valerie Riccardello 

Celene Riccardi 

Robert A. Ricci 

Angelina Ricciardi 

Rhonda R. Riccio 

Lori E. Ricciuti 

Michael J. Ricco 

Arthur G. Rice 

Michele Rice 

Nelson 

Marilynne Rich 

Amalea Richards 

Chyroll J. Richards 

Delroy Richards 

Jim D. Richards 

Karen M. 

Richardson 

Antoine W. Riche 

Clayton Richmond 

Kadijah S. Ricks 

Katrina M. Ricks 

P Suzanne 

Ridenour 

Curtis R. Ridolf 

William C. Riechert 

Diane Riedel 

Silas Riedel 

Sandra L. Riegel 

George J. Riffone 

Parvaneh P. Rifino 

Tehrani 

Dawn Riggi 

Antonietta Rijo 

Glendon J. Riley 

Lori J. Rinaldi 

Barbara Ring 

Laurie A. Riordan 

Adrian B. Rios 

Elkin M. Rios 

Sonia O. Rios 

Laura Riportella 

Barbara Rippili 

Alice E. Risley 

Mildred Risolo 

Karin M. Ritchie 

Nancy Rittenhouse 

Dawn E. Ritter 

Jeffrey Ritts 

Omar D. Rivas 

Cheryl A. Rivera 

Dora Rivera 

Mable D. Rivera 

Rafael Rivera 

Ramon Rivera 

Jose W. Riveros 

Hugo Rizzo 

Laurie C. Rizzo 

Dawn Roberto 

B Roy Roberts 

Christopher M. 

Roberts 

Jean L. Roberts 

Brian D. Robey 

Joanne M. Robilotta 

Julia Robins 

Roxanne Robins 

Janice A. Robinson 

Kevin L. Robinson 

Seibert L. Robinson 

Norann K. Robles 

Carol A. Roche 

Julio C. Roche 

Gerry Rodgers 

Mary E. Rodgers 

Alexandra H. 

Rodrigues 

Anyelo Y. 

Rodriguez 

Cirilo S. Rodriguez 

Cynthia Rodriguez 

Fausto P. 

Rodriguez 

Gloria I. Rodriguez 

Ivan Rodriguez 

Kevin A. Rodriguez 

Max Rodriguez 

Rafael Rodriguez 

Ramon J. 

Rodriguez 

Ricardo Rodriguez 

Richard Rodriguez 

Joyce Roe 

Steven Rogate 

Carey J. Rogers 

Marie E. Rogers 

Teresa Rogers 

Asma Rohail 

Henry A. Rojas 

Jady V. Rojas 

Veronica Rojas 

Vilma Rojas 

Constance Rolf 

Barbara J. 

Romagnuolo 

Gaby M. Romain 

Antonia C. Roman 

Noel Roman 

Diane R. Romanelli 

Robert J. Romanelli 

Angela V. Romano 

Antonio Romano 

Diana M. Romano 

John Romano 

Maria Romano 

Toni A. Romano 

Vincenzo Romano 

Jane T. 

Romanowski 

Carolyn P. Romeo 

Giovanna Romeo 

Robin G. Romeo 

Nelson F. Romero 

Frank X. Romito 

Angela M. 

Rondinella 

Arthur Ronson 

Diann M. Rook 

Annmarie C. 

Rooney 

Marjorie Rooney 

Drupati Roopnarine 

Alvin B. Roper 

Thomas Rosamilia 

Melly D. Rosario 

Miledy Rosario 

Alexis A. Rose 

Betty Rose 


Rose 

Joseph T. Rose 

Nigel A. Rose 

Rene A. Rose 

Wayne R. Rose 

Barbara L. Rosen 

Linda Rosen 

Jacob D. 

Rosenbaum 

Sonja Rosenbaum 

Adele Rosenberg 

Norma Rosenberg 

Paulette Rosenberg 

Robyne I. 

Rosenberg 

Adela E. 

Rosengarten 

Liebg 

Nanci Sue 

Rosenthal 

Frank C. Roskot 

Julia C. Roskot 

Camille D. Ross 

Owen R. Ross 

Philip Ross 

Sharon Ross 

Sydney Ross 

Evelyn Ross 

Costello 

Diane Rossi 

Pauline Rossman 

Elisa Rostkowski 

Karen L. Roth 

Angela Rothenberg 

Lee Rothleder 

Elliott I. Rothstein 

Jeffrey Rothstein 

Isabel Asha 

Rotstein 

Karyn W. Rotter 

Nicholas J. 

Roubanis 

Patricia A. Rouse 

Maria E. Rovegno 

Snezana Rovis 

Harriet M. Rowan 

Julie Rowehl 

Elizabeth A. 

Rowsell 

Lawrence Roxbury 

Todd Roy 

Tushar K. Roy 

Joan E. Royals 

Justin M. 

Rubenstein 

Frank L. Rubiano 

Marilyn H. 

Rubinfeld 

Anthony Rubino 

Carrie Rubinstein 

Elaine L. Rubio 

Nina Ruddy 

Beth E. Rudolph 

Jonas R. Rueda 

Betty Ruiz 

Susan E. Ruiz 

Sylvia Ruiz 

Victor A. Ruiz 

William Ruiz 

Deborah L. Rule 

Barbara A. Ruotolo 

Lydia Rupolo 

Caroline W. Rupp 

Caitlin Ruppert 

Mary Alice Ruppert 

Tracy K. Rush 

Helen D. 

Ruskowski 

Kelly M. Russell 

Patricia Russell 

Yolanda M. Russell 

Kathleen A. Russo 

Lynn Russo 

Alin Rusu 

Elizabeth A. Ruth 

Stephen E. Ruth 

Barbara Ryan 

Diane K. Ryan 

Glanita Jan Ryan 

Judy A. Ryan 

Kelly Ryan 

Kevin P. Ryan 

Michael C. Ryan 

Thomas J. Ryan 

Joanne Rynston 

Paul J. Rynston 

Sabera Saadullah 

Heather Saal 

Khaled Sabek 

Sandy Sabel 

Osleeb 

Dolores G. Sabino 

Stephen M. Sachs 

Eddie Saeed 

Francine Saer 

Steve K. Safo 

Steven L. Safrany 

Jin Sook Sah 

Fawzia Sahak 

Marie G. Saint 

Gerard Saint Vil 

Karen Sais 

Emily L. Sak 

Benjamin Sakhai 

Jeanette Saladino 

Abdus Salam 

Jane L. Salamon 

Gloria Salas 

Luz D. Salas 

Alexandra 

Saldarriaga 

Elena Salerno 

Yanira E. Salgado 

Generoso B. Salle 

Frank A. Sallustio 

Joseph V. Sallustio 

Naila Salman 

Janette M. Salmieri 

Shoshana Salomon 

Stacey D. Saltzer 

Craig D. Saltzman 

Janet Salvaggio 

Kristen A. Salvatore 

Linda M. Salvo 

Carol A. Salzman 

Lindon O. Sam 

Anne Marie Sami 

Cristina 

Sammarone 

Diana Sammarone 

Sarah A. Sammis 

Joan M. Sammon 

Damian E. Samuel 

Susan Samuels 

Judy A. San 

Roman 

Susan M. Sanborn 

Zoila Sanchez 

Charles O. Sanchis 

Wendy S. 

Sandalena 

Hildy Sanders 

Raghubir Sandhu 

Carmen M. Sang 

Elena Sang 

Pierre Y. Sanon 

Janine Sanoulis 

Vanessa Santacruz 

Maria Santalesa 

Clare Santangelo 

Angela M. 

Santarsiero 

Antionette Santelli 

Frank Santiago 

Judith Santiago 

Mailine Santiago 

Freddy Santillana 

Carmel M. Santoro 

Concetta T. Santos 

Joselito C. Santos 

Linda B. Sanwald 

Zunilda A. Sanz 

Blanche R. Sapan 

Geraldine S. 

Sapanaro 

Deepak K. Sapkota 

Dexter Sapp 

Paul C. Saraceni 

Anthony P. Saravo 

Pamela J. Sarett 

John J. Sarno 

Sola R. Sarumi 

Maria C. Satira 

Troy Satoo 

Carole Sauers 

Rochelle Saunders 

Philip Savarese 

Sharon F. Savarese 

Jamie Lea Savello 

Henry F. Saverio 

Rosemary Savoia 

John Z. Savoretti 

Teresa D. Savory 

Jennifer J. Sawyer 

Sydney J. Sawyers 

Diane Sboto 

Douglas K. Scaduto 

Ron Scala 

Thomas W. Scala 

Deborah L. 

Scalcione 

Vito Scalesi 

Anda Scalise 

Dianne C. Scalza 

John Scalzo 

Umberto 

Scaramozzino 

Camelia Scardino 

Keible K. Scarlett 

Emanuel J. 

Scarpinato 

Estelle Scarpinato 

Christine M. 

Scaturro 

Andrea Scelisi 

Anne Marie Scerbo 

Nancy J. Schaefer 

William A. Schall 

Kristine J. 

Schanstra 

Edward B. 

Scharfberg 

Dawn Schatz 

Jeffrey M. Schecht 

Evelyn L. Schechter 

Isaac Schechter 

Grace Schehr 

James B. Schehr 

Jennifer L. Scheiner 

James B. Schenck 

Thomas A. Scheriff 

Andrea Schichko 

Frank E. Schiele 

Shawn M. 

Schildgen 

Olivia Schilling 

Michael B. Schindel 

Carl G. Schiovone 

Kit Schlaugies 

Joanne L. Schloen 

Edward F. Schmid 

Jody M. Schmid 

Lawrence C. 

Schmidlapp 

Steven P. Schmidt 

Angela A. Schmitt 

Heidi L. Schmitz 

Lois A. Schneider 

Norman Schneider 

John N. Schnepp 

Jean M. Schnurr 

Laurie E. 

Schoenhut 

Rosemary 

Schofield 

Philip Schonfeld 

Nancy J. Schramm 

Joseph J. Schraufl 

Denise R. 

Schreiber 

Patricia Schreiber 

Laura A. Schreiner 

Kenneth E. 

Schroder 

Kristine M. 

Schroeder 

Diane Schubach 

Sheryl Schulman 

Kim E. Schultze 

Peter R. Schwarting 

Alice H. Schwartz 

Arlene Schwartz 

Barry Schwartz 

Charles A. 

Schwartz 

Diane M. Schwartz 

Karen B. Schwartz 

Rita Schwartz 

Robert F. Schwartz 

Stephanie A. 

Schwartz 

Lisa Schwarz 

Rosemary J. 

Schwarz 

Lea Schwarzbard 

Geniene Sciacca 

Stephen A. 

Scialdone 

Charles Sciberras 

Ed R. Scicluna 

Laura A. Sciortino 

Patricia F. Scirica 

Sarah J. Sclafani 

Alice M. Scorzelli 

Gregory Scotidas 

John L. Scott 

Lisa D. Scott 

Shane Scott 

Renee Scotti 

Leonard J. Scotto 

Ralph M. Scotto 

David Scrogham 

Anthony S. Scuria 

Robert C. Search 

Albert Sebag 

Don A. Sebastian 

Darren Sebor 

Leslie V. Seecharan 

Barbara A. Seeley 

Jo Ann Seeno 

Eve Marie Seeno 

Sammarco 

Bruce H. Seger 

Emily J. 

Segismundo 

Alniza Segundo 

Sanjay Sehgal 

Randi M. Seidner 

Phyu Phyu Sein 

Chantal Sejour 

Grace Selover 

Gerry M. Selya 

Courtney J. 

Semeraro 

Patricia M. Senita 

Christine C. Seo 

Luis A. Serrano 

Robert N. Serrano 

Taraneh J. Seta 

Henry A. Setaro 

Ellen B. Settimo 

Bunny Severe 

Cliff Sewah 

Meena Sewani 

Humayoun Shabbir 

Bishwa B. Shah 

Jyotika P. Shah 

Parveen S. Shah 

Ritesh Shah 

Regina Shakarova 

Etz Shalem 

Roy Shalom 

Maytal Shany 

Susanna C. Shao 

Donna R. Shapiro 

Mark L. Shapiro 

Robert M. Shapiro 

Bibi M. Shariff 

Ajay Sharma 

Ankur Sharma 

Archna Sharma 

Sushma Sharma 

Carol Sharpe Byng 

Donna A. Shaw 

Janice Shaw 

Carol A. Shea 

Richard Sheahan 

Barbara L. Sheib 

Madeline M. 

Sheldon 

Susan M. Shelley 

Hsiao Chen Shen 

Paula Shengold 

Stella Shenker 

Carole F. Sheppard 

Cynthia M. 

Sheppard 

Anne M. Sheridan 

Jeanette Sherman 

Susan M. Sherman 

Nima Y. Sherpa 


Sheskier 

Ashesh Sheth 

Haresh J. Sheth 

Andrew J. Shi 

Hua Yan Shi 

Jian He Shi 

Kezi Shi 

Yibing Shi 

Jenny P. G. Shibetti 

Rose M. Shields 

Robert D. Shiffman 

Jong S. Shin 

Moon Shin 

Young Sil Shin 

Rose T. Shindel 

V C Shingwani 

Claude A. Shipman 

Hengameh Shirazi 

Pounaki 

Valentina Shmerlis 

Irene R. 

Shmerykowsky 

Edith Shneorson 

David Shokouhi 

Kooresh 

Shooshtary 

Jeanette Shpak 

Abu Shuheb 

Kathy A. Shukofsky 

Leitman 

Stephanie J. 

Shulman 

Michael Siciliano 

Lisa Sicurelli 

Felipe A. Sicurello 

Jaidev Sidher 

Walter R. Siefert 

Gaetano T. 

Sieligowski 

Don Sien 

Robin E. Sikora 

Pellegrini 

Michael E. Silano 

Marilyn Silk 

Monica Sill 

Bradley S. 

Silverbush 

Lisa A. Silverstein 

Brian M. Silvestry 

Maritza Simard 

Renita W. Simmons 

Susan P. Simmons 

Darryl L. Simon 

Anthony G. 

Simonetti 

Catherine E. 

Simonetti 

Kristi M. Simonetti 

Leonard Simonetti 

Chris Simonsen 

Gillian P. Simpson 

Juliana Simpson 

Hyeryeon Sin 

Shanti Sinanan 

Chris Sinaplidis 

Douglas S. Sinclair 

John Sinetos 

Phyllis Singer 

Tammy Singer 

William D. Singer 

Darshan Singh 

Deosaran Singh 

Drupattie Singh 

Gurdip Narul Singh 

Harpinder Singh 

Inderpal Singh 

Kulvinder K. Singh 

Leila S. Singh 

Makanlall Singh 

Mandeep Singh 

Nishwa P. Singh 

Nitin P. Singh 

Palwinder Singh 

Philip K. Singh 

Sadar Singh 

Kathleen G. Sinito 

Joseph T. Sinnona 

Catherine T. Siolas 

Nectaria Siounis 

Piroska Sirinic 

Glenda C. Siu 

Roland Skarberg 

Marie Skarren 

Diane X. Skartsiaris 

Erjon Skifteri 

Virginia A. Skillman 

Brendan J. Skislock 

Alison Skloot 

Edward L. Skoch 

Maria M. Skoch 

Erica L. Slavens 

Marie Sloan 

Joan Small 

Paulette M. Small 

Allison R. Smilowitz 

Bill Smith 

Carole Smith 

Catharine Smith 

Eileen M. Smith 

Felicia Smith 

Karen J. Smith 

Maxime G. Smith 

Mitzy Smith 

Roderick Smith 

Steven T. Smith 

Walter J. Smith 

Dorothy A. Smith 

Brown 

Bridget M. Smyth 

Jerry J. Snit 

Beatrice Snyder 

Gayle I. Snyder 

Roy Sobel 

Tracy L. Sobel 

Magued Sobhy 

Angela L. 

Soderlundi 

Anggriyani 

Soebroto 

Patrice M. Sofsky 

Mojgan Sojeri 

Cheryl Sokolow 

Jose Sola 

Richard Solano 

Antonetta M. Solina 

Joanna Sollazzo 

Louis A. Sollicito 

Yekaterina Solona 

Roman Solonyy 

Eghbal Soltani 

Vladimir 

Soltanovich 

Evelyne Somekh 

Jean Sondergaard 

Chang Ho Song 

Kewon Song 

Myeonghee Song 

Myoung J. Song 

Ying Song 

Rohita Sood 

Jagdeo Sookhiram 

Laura M. Soper 

Gerard Soprych 

Gloria I. Soria 

Oleg Sorkin 

Giacomo Sorrentino 

Richard J. 

Sorrentino 

Shelley A. Sosnoff 

Debra E. Sosnow 

Simona Sotir 

Maritza Soto 

Elizabeth 

Sotomayor 

Narcisa Sotomayor 

Luisa Souffront 

Richard Southard 

Kenneth D. 

Southworth 

Joseph A. Souza 

Sonny Spagnuolo 

Jason J. Spahn 

Marianne Spahr 

Patricia Spain 

Cindy K. Spallone 

Michael 

Spampinato 

Richard 

Spanopoulas 

Christine S. 

Sparacino 

Giuseppa M. 

Sparacio 

Florin J. Spariosu 

James W. Sparling 

Marilyn G. Speidell 

Jermain Spencer 

Christopher L. 

Spera 

John J. Spero 

Gail Spielman 

Nick Spiliotis 

Mary Doreen Spiller 

Rocco J. Spinelli 

William R. Spivey 

Lena M. Spordone 

Ryan L. Springer 

Jan N. Sprung 

Christina 

Squicciarini 

Ralph A. Squillante 

Maria P. Squitieri 

Orly Sroka 

Enide St Louis 

Lisa A. St Rose 

Jodi A. Stacom 

Barbara A. Stagnitta 

Judy C. Stagnitta 

Peter J. Stahel 

Margaret Staiano 

Edward R. 

Stainback 

Tina Marie Stamm 

Antonia Stamps 

Ludmilla Stanco 

Michael Stanco 

Rocco Stanco 

Sandra Stanley 

Philip W. Stanton 

Nancy Stanton 

Molaro 

Brian S. Stark 

Robert M. Stark 

Keith A. Starke 

Ronald J. Starkes 

Peter J. Stassi 

Anna Stathes 

Ann Staudte 

Eugenio Stebelsky 

Linda Stecker 

Jamyce O. Steele 

John P. Stefan 

Concepcion 

Stefanos 

Bruce M. Stegner 

Edward H. Stein 

Kitty P. Stein 

Steven M. Stein 

Ellen B. Steinberg

Joni Steiner 

William H. Stephan 

Desmond A. 

Sterling 

Eugene Stern 

Geil Stern 

Leslye J. Stern 

Warren Sternberg 

Carl Sternlicht 

Cheryl A. Stevens 

Nancy M. Stevens 

Jackie M. Stewart 

Nadeen Stewart 

Oluremi Stewart 

Ronald B. Stewart 

Sophia Stewart 

Parchment 

James T. Stidd 

Josephine E. 

Stockli 

Sopanan Stojkovic 

Maureen Stoll 

Leslye Stone Kress 

Debora J. Stonitsch 

Roseann Stoothoff 

Linda Stowell 

William Strecker 

Dimitra Strifas 

Barbara J. Strugala 

Kendra Stryska 

Wendel A. Stuart 

Carol Stuber 

Mary F. Studer 

Joanne Sturchio 

Robert S. Sturchio 

Cheng Yu Su 

Diane L. Suba 

Rishee Subick 

Myra N. Suchman 

Linda M. Sudano 

Dennis K. Suen 

Asif Sukhu 

Carolyn Sullivan 

Jacqueline Sullivan 

Jean Sullivan 

Karen P. Sullivan 

Patrick J. Sullivan 

Patrick J. Summers 

Yunzhong A. Sun 

Gretchen F. 

Sundius 

Ellie Sung 

Susan 

Surendranath 

Rao R. 

Suryadevara 

Helen M. Susko 

Elizabeth R. Suter 

MaryEllen 

Sutherland 

Nikolay Suyunov 

Val Suyunov 

Eric Svitic 

Barbara Swartz 

Michael J. 

Sweeney 

Janice Sweet 

Caroline P. 

Sweezey 

Joyce Swerdling 

Patricia Swiney 

Ricardo A. Sy 

Susan S. Sy 

Hudson L. Syffrard 

Michael J. Symes 

Amalia Molly 

Symington 

Eileen F. Syvertsen 

Marilyn J. 

Szczerbiak 

Shingsang Sze 

Barbara A. Szumski 

Arthur N. Taback 

Erick A. Tabar 

Thomas F. Tabone 

Nahid F. 

Tabrizizadeh 

Aimee Taddei 

Anne F. Taddeo 

Stephen D. Tafuro 

Vicki M. Tafuro 

Joyce C. Takos 

Alan R. Talman 

Ernesto Tamargo 

Michael D. Tamsett 

Jen Tsung Tan 

Kenny Theam H. 

Tan 

Deepak Taneja 

Louise Tantillo 

Maria Tapalaga 

Carmen Tapia 

Theresa J. Tapia 

William Tarantola 

Andrei P. Tarasko 

Sam Tardugno 

Wieslaw 

Tarnachowicz 

Sheila Tarnowski 

Percy C. Tatem 

Daniel H. Tateosian 

Donna Tavano 

Gallo 

Joanne Tavis 

Albert W. Taylor 

Betty J. Taylor 

John F. Taylor 

Linval A. Taylor 

Eileen Tedesco 

Christine A. Teevan 

Regan A. Tegge 

Harriram Tejsingh 

Alex Tembelis 

Frances Tembelis 

Lai Kim Teng 

Gerry Tengco 

Deanna Tenhoopen 

Nikolas Tentomas 

Ingaun Teoh 

Sabrina Teplin 

Helene H. Terentiev 

George Terezakis 

Harry G. Terezakis 

Daniel M. Tergesen 

Patricia E. Tergesen 

April Lee Terk 

Antoinette Terlizzo 

Lawrence A. Tesch 

Lisa M. Testa 

John Testaiuti 

Anthony Testani 

Doreen M. Teta 

Sandra 

Thackurdeen 

Margaret S. Thall 

George B. That 

Nikki S. Thaw 

Penelope A. Thaw 

Edwin A. Then 

Jane S. Thies 

Angelina Thomas 

Carlton A. Thomas 

Mathew Thomas 

Mildred Thomas 

Sonia Thomas 

Umberto P. Thomas 

Courtney A. 

Thompson 

Dorothy B. 

Thompson 

Joan A. Thompson 

Sonia P. Thompson 

Ian H. Thornell 

Kathleen T. 

Thornton 

Susan L. Tietje 

Patricia A. Tietjen 

Walter R. Tilford 

Susan M. Tillman 

Luisa C. Time 

Katherine Timms 

Jose F. Tineo 

Jane Tintle 

Nancy Tischler 

Mathew M. Titus 

Kam Yu To 

Raymond W. To 

Randolph H. Tolk 

Lisa Tomasulo 

Dairam Tomby 

Wendy S. 

Tomlinson 

Angela Tonderella 

Anny Tong 

Sing Y. Tong 

Wai F. Tong 

Denise Torino 

Bruce J. Torrani 

Anibal E. 

Torrenegra 

Augusto O. Torres 

Cristina Torres 

Diana Torres 

Edwin F. Torres 

Nancy I. Torres 

Olga Torres 

Sandra Torres 

Maribel Torres 

Arana 

Sofio A. Torres 

Delarosa 

Denise Torres Nieto 

Angela Tortorici 

June A. Tourin 

John G. Touwsma 

Manuel D. Tovar 

Li Tiene Townsend 

Joann Toye 

Kevin Trager 

Kristine K. Trager 

Stephanie J. 

Trahan 

Diane Traina 

Genine M. Traina 

Patricia A. Trainor 

Khirana Tran 

Michael R. 

Transom 

Jeanne Trantel 

Theresa R. Traskos 

Tina Marie 

Travaglino 

Eugene J. Traynor 

Steven Tregerman 

Kenneth A. Trestka 

Jeanne A. Trier 

Matthew J. Tringali 

Loc Trinh 

Catherine M. Triolo 

Marilyn Triolo 

Todd A. Triolo 

Larry J. Triplett 

Thomas Tripodi 

Mary E. Triquet 

Srdjan Trofi 

Maria A. Troia 

Ilona Trokel 

Lori Tromberg 

Beldiny 

Anthony J. Tronto 

Tony Tronto 

Karen Trovato 

Ileen Truglia 

Velia L. Trujillo 

Victor Trunce 

Dana L. Truta 

Lin Lin Tsai 

Tony Wen Tsai 

Dimitri V. Tsalkas 

James Tsempelis 

Jacqueline M. 

Tsenes 

Dorjee Tsepak 

Elaine Tsoukaris 

Margaret Tsoukaris 

Karoline J. Tuch 

Nambudiri 

Angela R. Tuck 

Dearie T. Tucker 

Louise Tudisco 

Antoinette Tufano 

John J. Tufarelli 

Mehmet Turesinler 

Christine D. 

Turinsky 

David J. Turinsky 

Barry N. Turk 

Erica E. Turner 

Valerie Tuthill 

Donna J. Twiggs 

Vibha Tyagi 

Barry M. Tyler 

Danielle Tylutki 

Raspanti 

Imelda P. Tymon 

Lisa A. Tyner 

Robin Y. Tyrrell 

Julia Tzortzatos 

Maria Tzortzatos 

Benjamin A. Udell 

Thomas J. Uhlinger 

Iboro A. Umanah 

Patricia Umina 

Jeannie C. Unger 

Mita K. Uppal 

Sylwia Urbanska 

Lisa M. Urcuiolio 

Stella B. Uvaydova 

Anthony A. Vaccaro 

Janet Vaccaro 

Alfonse Vaiano 

Diana L. Vaiano 

Vincent Vaiano 

Aditya Vaid 

Bobbi S. Valdes 

Joe A. Valente 

Donna M. Valenti 

Evelyn Valentin 

Walea Valentin 

Adrienne M. 

Valentino 

Cecilia Valentino 

Virgil P. Valentino 

Lourdes G. 

Valenzuela 

Jose F. Valerio 

Julius R. Valino 

Sheila Vallade 

Valerie Van Cleef 

John F. Van 

Deventer 

Judy L. Van Horn 

Gina VanDenburg 

Thomas 

Vanderhoof 

Heather M. Vanella 

Manuel A. Vargas 

Marilyn Vargas 

Robert M. Vargas 

Nancy Vargas 

Johnson 

John Varghese 

Jose Varghese 

Morris M. Varon 

Daniel Varriale 

Jerry Vasquez 

Scarlett J. Vasquez 

Freddy A. Vasquez 

Touera 

Katalin Vass 

Edward C. Vassallo 

Staci Vassalo 

Gregory Vassilatos 

Connie Vassos 

Vincent M. Vastola 

Toni A. Vatier 

Alfredo C. Vaughan 

Anne Vavrinec 

Fred Vazac 

Lisselotte Vazquez 

Anthony R. Vecchio 

Donna M. 

Vecchione 

Joanne Vega 

Claire Vegliante 

Gerard Veitch 

Pamela L. Veitch 

Elena R. Velasquez 

Hector F. Velasquez 

Segundo H. 

Velasquez 

Martin G. 

Velazquez 

Jaime A. Velez 

Louise Velez 

Sanija Velovic 

Genovevo T. 

Venenoso 

Amy L. Ventura 

Frances Ventura 

Eli C. Vera 

Nilson Veracruz 

Patricia Verfenstein 

Jesus A. Vergara 

Ricardo L. Vergara 

Verter Vergara 

Angela Verni 

Nelya Veselaya 

Laura Veselica 

Richard L. Vessa 

John M. Vetrano 

Joseph J. Vetrano 

Frank Vetro 

Denise P. Vicari 

Alexander R. 

Vicente 

Edith C. Vickers 

Elvis J. Vidakovic 

Victor R. Vidal 

Mario Vigliotta 

Randall Vigmostad 

Susan Vignati 

Hughes 

Andrea Vilardi 

Wilfredo A. Villafane 

Herman Villamizar 

Carlos R. Villatoro 

Hector F. Villatoro 

Angel G. 

Villavicencio 

Stella Villegas 

Suze Vincent 

Janet Vineis 

Ellen Vinson 

Anthony J. Vitale 

Anthony P. Vitale 

Darlene J. Vitale 

Eric N. Vithal 

Cheryl M. Vittiglio 

Rose Vittiglio 

Joseph R. Vizzini 

Jerry N. Vlachos 

Carmela Vlacich 

Konstantinos 

Vlaikos 

Joanne F. Vohs 

Christine L. 

Vollkommer 

Karen J. Vollmer 

Mary G. Volosevich 

Stephanie Volovar 

Richard J. Volpe 

Zinaida Volynsky 

Patricia 

VonBraunsberg 

Ajit Vora 

Sofie Voyias 

Kathleen A. Vukelic 

Amy M. Vultaggio 

Lidia Wacek Siders 

Helene M. Wachter 

Udochukwu E. 

Wachuku 

Leroy J. Wade 

Ann Wagner 

Barbara Ann 

Wagner 

James E. Wagner 

William A. Waiksnis 

Allan T. Wakefield 

Antonina P. Walden 

Regina M. Waldes 

Kari M. Walia 

Mandeep Walia 

Dormanekia A. 

Walker 

Keri A. Wall 

Treudler 

Bernard Waller 

Margaret M. 

Walpole 

Claudia T. Walsh 

Midge Walsh 

Tara L. Walsh 

Una Walsh 

Pamela A. Walsh 

Boening 

Debra C. Walsh 

Gusler 

Thomas Walters 

Robert J. Walther 

David B. Walti 

Barbara J. 

Wanamaker 

Cheng Wang 

Chi Yu Wang 

Chin Feng Wang 

Chiu Shang Wang 

Cui Qin Wang 

Kunlen Wang 

Lin Wang 

Ming Q. Wang 

Nancy Wang 

Pao M. Wang 

Ren Wang 

Xue Z. Wang 

Yufeng Wang 

Nadine J. Ward 

Robin L. Ward 

Maureen D. 

Warfield 

Lynda M. Waring 

Ricciuto 

Kathleen Warner 

Carol A. Warren 

Robin Warren 

Dwayne 

Washington 

Sherita A. 

Washington 

Syed J. Wasim 

Syed M. Wasim 

Kimberly A. 

Waszczak 

Makeda C. Watkins 

Stephanie Watkins 

Elena Watson 

Stefan M. Watstein 

Dorothy Waxman 

Denise Way 

Jean M. Weber 

Joanna Weber 

Lorraine Weber 

Thomas Weber 

Krystyna M. 

Wegrowski 

Elyse M. Weigers 

Jo-Ann Weilert 

Mary Weille 

Lori Weiner 

Michelle Weingot 

Paula S. Weinstein 

Robert P. Weir 

AnneMarie 

Weisman 

Kenneth Weisman 

Lenora Weiss 

Nurit Weiss 

Richard H. Weiss 

Scott Weiss 

Stephen A. Weiss 

Harry E. 

Weissberger 

Jennifer J. 

Welcome 

Suzanne H. Welling 

George J. Wenk 

Kathy J. Werler 

Pamela S. Werner 

Elinore West 

Fred West 

Karen L. West 

Georgia Westcott 

Mark Westcott 

Isabel Westerlind 

Richard Weyhreter 

Carolyn M. Whalen 

Melissa G. Whalen 

Martha E. Wharton 

Cathleen F. Whelan 

Gerilynn Whelan 

Katherine Whelan 

Mary G. Whitaker 

Carolyn E. White 

Clive A. White 

Donna M. White 

Donna White 

Louise M. White 

Marguerite White 

Van P. White 

Sandra White 

Johnson 

Claire Whitehouse 

Marie Whitman 

Delva Whittle Allen 

Norma L. Whyte 

Joel L. Wichtendahl 

Melissa Wickard 

Bridget A. Widmaier 

Ingeborg C. Wieck 

Martin Wiener 

Connie Wiermann 

Catherine J. 

Wierzbicki 

Lorraine K. Wiesen 

Morris Wiesenberg 

Laura C. Wigger 

Nancy Wightman 

Evelyn L. Wilkins 

Dwayne S. Williams 

Elise Williams 

Gloria H. Williams 

Imran Williams 

Lakeisha Williams 

Noel Williams 

Patrick C. Williams 

Pauline E. Williams 

Rosemary E. 

Williams 

Amy Williamson 

Debra Wills 

Virginia M. Wilmer 

Clara Wilsdorf 

Edward F. Wilson 

Gregory R. Wilson 

Howard J. Wilson 

Jeanette Wilson 

John H. Wilson 

Keith R. Wilson 

John E. Wilton 

Soe S. Win 

Jody Winarick 

JoAnn Wind 

Shari Windell 

Evelyn L. Windsor 

Jamie C. Winkler 

Dennis J. Winnie 

Carolyn J. Winter 

Janis M. Winter 

Patricia A. Winter 

Belinda C. 

Wiseman 

Mary E. Wissing 

Richard M. Witt 

Rosalie C. Witt 

Joan Wittreich 

Lucy A. Wojcicki 

Lauren B. Wolf 

William J. Wolf 

Denise Wolfe 

Phyllis J. Wolkoff 

George Womack 

Ching Lan Wong 

Elaine Y. Wong 

Eva Wong 

Foo K. Wong 

Hesook Wong 

Kelvin Wong 

Sam E. Wong 

Sau K. Wong 

Christine Wood 

Heidi L. Wood 

Lisa M. Wood 

Ruth A. Wood 

Daniel J. Woodburn 

Debra A. Woods 

Patricia A. 

Woodstock 

Doris V. Wooten 

Maria E. Wright 

Michele P. Wright 

Patricia A. Wright 

Patrice A. Wright 

Douglas 

Michael Wroblewski 

Amy Wu 

John T. Wu 

Ling Ling Wu 

Peggy Wu 

Yiyi Wu 

Bonita D. Wyatt 

Florence L. Wyche 

Suzanne 

Wyhowanec 

Matthew A. Wynn 

Nancy S. Wysocki 

Peter K. Xafis 

Calliope Xanthos 

Helen Xiao 

John Q. Xiao 

Yonghui Xiao 

Chun H. Xie 

Yu Ping Xie 

Petros L. Xinogalos 

Lorenzo E. Xiques 

Rong Q. Xu 

Gloria J. Yaede 

Rina Yakobowicz 

Shan Yan 

Guo Jun Yang 

Hsiao Fang Yang 

Jennifer Z. Yang 

Joey S. Yang 

Kyung Mo Yang 

Ling Yang 

Yisong Yang 

Zhe Yang 

Christine H. Yao 

Jun Yao 

Aleksandr 

Yaroslavskiy 

Dagmar M. Yastrub 

John A. Yeamans 

Lloyd Yearwood 

Adeline Yellin 

Julia Kit Yeung 

Ricky Yim 

Diana T. Yip 

Evelyn Yip 

Martin Yip 

Haejung Yoon 

Min S. Yoon 

Sung Min Yoon 

Susan Suk Yoon 

Wonshik Yoon 

Benjamin M. Young 

Maria A. Young 

Monique Ann 

Young 

Raymond Young 

Susan L. Young 

Hilberer 

Debora A. Younger 

Jeffrey C. Younger 

Patricia Yovino 

Todd A. Yovino 

Michelle Yu 

Tommy Yu 

Yu Yuan 

Janette M. 

Yuengling 

Teresa Yuksel 

Jay Yun 

John S. Yunitis 

Gerard F. Yurasits 

Esin Yusufi 

Elizabeth A. 

Zabielski 

Lynda L. Zacpal 

Martha L. Zafra 

Jeanne Zagardo 

John P. Zagari 

Jeanette Zagon 

Robert Zaher 

Syed I. Zaidi 

Abu Zaman 

Madeline 

Zambrano 

Richard V. Zand 

Mohsen Zandieh 

Daniel J. Zani 

Penelope Zannikos 

Angela C. Zapata 

Johnny M. Zapata 

Virna L. Zapata 

Marlene E. 

Zaretsky 

Kiumars Zargari 

Walter J. Zavala 

Thomas Zazarino 

Teresa Zboray 

Rafal Zbrzezny 

Arlene Zebatto 

Francis E. Zecchini 

Carole Zeilman 

Linda Zelin 

Joanna R. Zelonski 

Sondra E. Zeltins- 

Siering 

Rozana 

Zemlyansky 

Xue W. Zeng 

Isabel Zenocratti 

William R. Zezelic 

Julia M. Zhagui 

Cindy Zhan 

Ken M. Zhang 

Nancy X. Zhang 

Wen Zhang 

Xiao Kai Zhang 

Xiong Qiang Zhang 

Xiuli Zhang 

Yijia Zhang 

Ben Yang Zhao 

Rui Fang Zheng 

Sam Zheng 

Zhong Yong Zheng 

Hai Yan Zhu 

Min Li Zhu 

Yu Zhu 

Monica Zicolella 

Risa Ziegler 

Patricia M. Ziese 

Panagiotis Zikos 

Jaishree M. 

Zilpelwar 

Stanley Zimiles 

Richard A. Zimmer 

Andrew P. 

Zimmerman 

Eleanor 

Zimmerman 

Rhoda Zinn 

Ellen M. Zipes 

Marc A. Zirogiannis 

Maria Zirpoli 

Veronica M. Zito 

Marilyn S. Zitz 

Michael S. 

Zmaczynski 

Ziv Zmora 

Milton Zoldan 

Rosemary Zollo 

Michelle Zorbas 

Raymond A. 

Zorovich 

Ira Zucker 

Steven R. Zucker 

Jeannine Zultko 

Joseph Zwart

Possible Relief Ahead for Homeowners and ... - LIRealtor.com

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