Triumph News

In June of 2017, brake system violations and adjustment issues together accounted for over 41 percent of vehicle out-of-service violations during the International Roadcheck. Most of these violations could have been avoided through regular maintenance and upkeep. Here are 10 tips from Bendix to make sure your breaks are in tip top shape to keep you on the road. Pre-Trip Readiness: Walk around the vehicle daily to visually inspect brake components and listen for audible air system leaks. Examine wheel-ends to make sure that the air chambers, pushrods, and slack adjusters are not damaged or hanging loose. Once or twice a week, get under the vehicle to check air disc brake rotors for cracks and inspect the lining wear on drum brakes without dust shields. Know how to read antilock braking system (ABS) warning light fault codes using the dashboard diagnostic switch or a remote diagnostic unit, and how to address them. Monthly Air System Checks: An air system contaminated by moisture – particularly oil – can suffer deterioration of components such as air seals, brake modulating valves, and brake chamber diaphragms, which can lead to air system leaks. Check for moisture in…

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Colorado East Bank and Trust was acquired by TBK Bank, SSB in 2016, and as a result, Colorado East Insurance Agency recently merged with Triumph Insurance Group, a wholly owned subsidiary of TBK Bank. The merger was announced January 1, 2017. As a result of the merger, Triumph Insurance Group now features not only new agricultural insurance product lines including crop, crop-hail, and farm & ranch operations, but also various general property and casualty product lines. Kathy Moulder, Jerry Ellis and Debra Brown, all formerly employees of Colorado East Insurance Agency, have transitioned to Triumph Insurance Group employees. They maintain their previous insurance company contacts and service clients primarily in Colorado, Kansas and Oklahoma out of established offices in Lamar and LaSalle, Colorado. Wess Peterson, SVP of Triumph Insurance Group, recently said, “While we have been working with the team since the bank merger in 2016, it is a great to officially welcome Debra, Kathy and Jerry into the unified Triumph Insurance team. Their wealth of experience, diverse product mix and extraordinary client service strengthen Triumph Insurance Group.” Existing and prospective clients may contact them at (719) 336-5200 or info@triumphinsurance.com.

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Having the right driver is just as important as having the right truck.  With someone who understands how to drive efficiently and safely, you can be at ease knowing your cargo, your employee, your truck, and other drivers will be safe from harm. Why is it important? First of all, the Federal Motor Carrier Safety Administration (FMCSA) and the United States Department of Transportation (DOT) requires employers to obtain a three-year driving, employment, drug/alcohol history on each driver.  This ensures you are aware of an applicant’s full background history and make a decision based on their full qualifications. Additionally, pre-screening your employees can significantly improve CMV safety.  In a study where FMCSA examined crash rates and driver-related out-of-service (OOS) rates for the motor carrier population using their Pre-Employment Screening Program (PSP), they found a 12-20% decrease in crash rates for carriers with less than 100 drivers.  Similarly, the driver OOS rate fell by approximately 17% across all size classes. How do you screen your applicants? One method to get the information you need is to obtain a PSP record through FMCSA. A PSP record contains a driver’s most recent 5 years of crash data and the most recent…

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New Technologies In July, Gorilla Safety released a GPS tracking device that not only transmits location, but also type of equipment used, cargo hauled, fuel usage, and vehicle maintenance.  In the case of an accident, the device sends real-time data and estimates the severity of damage, which can then be used to improve accident response times for first responders. For platooning, advanced driver assistive systems, or ADAS, technologies use vehicle-to-vehicle, V2V for short, communication systems to link the braking, acceleration and distances between the lead and follow trucks.  As a result, ADAS technology decreases stress on long-haul drivers by improving efficiency and creating a better job experience. Changes in Government Regulations If there’s one thing that doesn’t change, it’s that your trucking business will always have to keep up and abide by the laws and regulations introduced by the federal, state and local government. Electronic logging devices, also known as ELDs, have been the talk for months, and the deadline for ELDs is creeping up.  Per rules set by the Federal Motor Carrier Safety Administration (FMCSA), all trucks must be equipped with proper ELDs by December 18, 2017, else face a fine that can cost you up…

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Winter weather has hit many parts of North America this season, creating dangerous conditions for motorists. During adverse weather, we urge drivers to stay off the road, but for those who must go out, here is a list of tips that America’s Road Team compiled just for you: Buckle up: Safety belts reduce the risk of fatal injury by 45% and are a simple way to increase your safety on the road. Slow Down: brakes are less responsive on icy roads and other drivers may make unpredictable moves because they are being cautious. Allow plenty of space between you and other vehicles and reduce your speed. Remove ice and snow from your vehicle: Clear your windows and roof of snow to insure you have maximum visibility and avoid creating a hazard for the vehicle behind you. Don’t allow ice and snow to create additional blind spots on your vehicle. Prepare your vehicle for long distance travel: Check your wipers and fluids. Have your radiator and cooling system serviced. Simple maintenance before you leave your home can prevent many of the problems that strand motorists on the side of the road. Be aware of…

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The risks, dangers, and sometimes tragic outcomes of drowsy driving are alarming.  The National Highway Traffic Safety Administration, NHTSA for short, estimates that at least 100,000 police-reported crashes annually are the direct result of driver fatigue.  That means an average of 1,550 deaths and 71,000 injuries are a result of fatigue-induced accidents. With the end of Daylight Savings Time and a special event hosted by the National Sleep Foundation, the Drowsy Driving Prevention Week, on November 6-13, there’s no better time than to take a few minutes to review the factors of driver fatigue and what steps you can do to avoid drowsy driving. While no one is immune to driver fatigue, commercial drivers are at a significantly higher risk due to longer driving hours and distance. To help tackle this issue, be aware of the factors that influence fatigued driving: The number of hours a driver has been awake prior to driving. The brain’s level of concentration begins to drop after the 13th hour of being awake. Quantity and quality of sleep significantly impacts focus. The time of day. Our bodies are biologically programmed to function best…

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Freight brokers have a lot of responsibilities, from matching shippers and carriers to making sure each piece of cargo gets to the right place. Another essential task in this busy industry is bookkeeping. Freight brokers who don’t prioritize bookkeeping can end up losing money in the long run. Here are seven common bookkeeping mistakes freight brokers make and how to avoid them. 1. Attempting to DIY In order to save money, many business owners insist on handling the books themselves or delegating the task to an inexperienced employee or family member. While you may initially save time and money, costly errors can result in higher bond premiums, more expensive financing terms, and other unforeseen expenses in the long-run. Hiring a competent bookkeeper will save you money, because the job will be done quickly and efficiently, with fewer errors. 2. Postponing important tasks Running any business is hard work. Many freight brokers find themselves too busy doing the day-to-day work to focus on important bookkeeping tasks such as reconciling bank and credit card accounts each month. Reconciling statements helps you catch errors and know how much cash or credit you actually have. Although postponing this task may be tempting,…

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5.3. That’s the average mileage of class 8 trailer-tractors across America. Modifying Driving Habits The most effective way to improve your mileage is to improve the driving nut behind the wheel. In other words, drive more efficiency. So how do you do that? Stay at or below the speed limit. At a speed limit of 65, driving 70 miles per hour will only save you four seconds per mile, however you lose nine percent more fuel going at a speed that is 5 mph over limit. Increasing the speed to 75 mph, you look at an even bigger efficiency loss. At that speed, trucks lose upwards of 15 percent of their fuel economy while only shaving seven seconds off the commute per mile. With diesel prices currently sitting around $2.40 a gallon, traveling at 70 mph versus the posted 65 mph speed limit can increase gas costs by $14,221 per year, while increasing your commute time by only 54 minutes. Through proper planning, you can significantly save more while staying within your daily drive limits. Table by mpgforspeed.com Owner-operator Leonard “Lennie” Bower advises…

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DALLAS – Sept. 1, 2016 – Triumph Insurance Group today announced the completion of its acquisition of the assets of Dallas-based Southern Transportation Insurance Agency, Ltd. Triumph Insurance Group is a subsidiary of TBK Bank, SSB. Aaron Graft, vice chairman and CEO of TBK Bank, explained, “Triumph is a leading financial services provider to small businesses in the transportation sector. This acquisition further solidifies that position.” Triumph Insurance Group’s footprint and product offering for clients in the transportation industry is now expanded with this acquisition. “We feel that the acquisition of Southern Transportation Insurance Agency enhances our platform by enabling us to expand our insurance business from both an immediate and long-term outlook,” Wess Peterson, senior vice president of Triumph Insurance Group, said. “We are excited to have their team join ours and will count on their expertise as we continue to grow our business and add value to our clients.” The producers and staff of Southern Transportation Insurance Agency are now employees of Triumph Insurance Group and work out of the Triumph office. “We are excited to have joined a company like Triumph Insurance Group,” Stephen Trent, president of Southern Transportation Insurance Agency, added. “It…

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Buying aftermarket parts can be risky and is rightfully so. Valuing at $30.1 billion, the fact that the same Original Equipment Manufacturer, OEM for short, part can be available through several different manufacturers is just part of the problem. All this creates a challenge for fleet managers to know exactly which part best fits as a replacement for the truck at various points in its life cycle. If you’re still looking for a non-OEM replacement, then there are a few myths and misconceptions that you should be aware of. All parts are created equal “Just because a [part] looks the same as a genuine part does not mean it’s the same quality,” Amy Kartch, director of North American Vehicle Group Aftermarket, Eaton, says. “Fit and functionality cannot replace the years of testing, engineering and system level understanding that goes into genuine parts.” Even though an aftermarket part will fit, function, and work as a replacement, original parts are made specifically with the entire system in mind. According to Juan Hernandez, international marketing and sourcing manager at SAF-Holland, “A safe system is…

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Whether you’re a seasoned driver or someone who just received your CDL, there are truck driving tips you should always keep in mind. Following these tips will help you from getting into accidents and protect you as well as others around you. Let’s get to it. Tip #1 – Think bigger You’re not in a plain ol’ car anymore. Whether you drive a dry van, flatbed, reefer, or bulk, your new machine is over five times bigger than the other guys out there. That means give more space to the car in front and brake earlier to compensate for the increased braking distance to stop your truck. Turning will also require more room to maneuver, but can be done in a safe and predictable manner. Tip #2 – Two lane right turns These can be a bit tricky – if you noticed from the previous tip, we mentioned being predictable. The most dangerous vehicle on the road is an unpredictable one. Seriously, use your blinkers when indicating a turn and minimize any sudden jerks especially when turning. To complete a right turn, adjacent lanes will be needed for your trailer to…

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On May 5, 2016, many schedule contractors received a notice of the government’s continual examination of compliance to the Trade Agreements Act (TAA). Schedule contractors are required to comply with this act by verifying the country of origin for all of their products. If you are a government contractor, here are a few tips to help you stay compliant. Abide by the TAA The TAA states that the product produced by government contractors needs to be wholly grown, produced, or manufactured in the United States or a designated country. According to the Trade Agreements Act, the product can also be “substantially transformed into a new and different article of commerce in the US or designated country.” To find a list of designated countries, you can reference The Federal Acquisition Regulation section 25.003. Major countries that don’t make the list are China and India. If you obtain products from multiple countries, each country of origin needs to be noted. Also, if you use suppliers, they need to tell you the country of origin for every item they provide for you. Compliance standards for product contracts If you…

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Fleet Advantage has made public its second quarter 2016 Truck Lifecycle Data Index, TLDI, comparing all-in operating costs of early model Class 8 trucks to all-in operating costs of current model year replacements. Results from the research indicate that fleet operators can reduce costs by up to $18,816 by replacing a 2011 cab or $9,521 for a 2014 cab. The savings stem from better fuel efficiencies, up to 14 percent, and a reduction of maintenance and repair costs. Similarly, replacement for sleepers can bring in even greater savings, up to $19,432 for a 2011 model. Using data from Fleet Advantage’s Advanced Truck Lifecycle Administrative Analytics Software, the TLDI helps industry professionals identify when they should replace old trucks with newer models to help them save money. Source: Trucking News Online “It’s clear that upgrading to a new truck provides significant benefits for fleet managers looking to strengthen their bottom line, and that fleets utilizing a shorter vehicle lifecycle will secure a competitive advantage,” said Brian McMahon, data analyst at Fleet Advantage. “First-year savings are impressive and rise exponentially when multiplied across dozens of truck units.”…

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DALLAS – July 19, 2016 – TBK Bank, SSB today announced the signing of an asset purchase agreement to acquire the assets of Dallas-based Southern Transportation Insurance Agency, Ltd. through its wholly owned insurance subsidiary, Triumph Insurance Group, Inc. Subject to customary regulatory approvals, the transaction is expected to close in the third quarter of 2016. Aaron Graft, vice chairman and CEO of TBK Bank, explains, “Triumph is a leading financial services provider to small businesses in the transportation sector. This acquisition further solidifies that position.” Upon closing, the asset purchase will expand Triumph Insurance Group’s footprint and product offering for clients in the transportation industry. “We feel that the acquisition of Southern Transportation Insurance Agency will enhance our platform by enabling us to expand our insurance business from both an immediate and long-term outlook,” Wess Peterson, senior vice president of Triumph Insurance Group, said. “We are excited to have their team join ours and will count on their expertise as we continue to grow our business and add value to our clients.” The producers and staff of Southern Transportation Insurance Agency will become employees of Triumph Insurance Group immediately following the close of the acquisition…

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When asked what a motor carrier is, most people think of big 18-wheel rigs, which is correct.  But, motor carriers are more than just the three-axle tractors hauled by your favorite trucker. In fact, the Federal Motor Carrier Safety Administration defines a motor carrier as any business using a unit or a combination of units with a gross vehicle weight of 10,001 pounds, or heavier, for interstate commerce.  That means someone carrying tools and/or materials across state in a heavy duty Ford F-350 with their company logo on the door, according to FMCSA, is considered a motor carrier. A new Unified Registration System is going into effect in October 2016, which mandates stricter enforcement of the requirement for every motor carrier. These mandates include maintaining a DOT number, paying fees to the Unified Carrier Registration, and much more. So what does that mean for you? First, if you meet the definition of a motor carrier, and you haven’t already, you’ll need to obtain a DOT number from the FMCSA. This number must be visible on both sides of your vehicle. If not, law enforcement officers are permitted to stop, fine and even restrict operations until a…

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When you search for freight broker training courses on Google, you will inevitably find pages and pages of results. How can you decipher which one is best for your freight brokerage? More importantly, how can you determine which one will provide the best return on your investment? Let’s take a look at a few of the key features to look for when choosing a freight broker training program for your business. Experience The goal of any freight broker training program is to gain as much knowledge and value as possible in order to grow your freight brokerage. To improve the chances of achieving this goal, you need a training partner that has specific experience in the freight broker industry. For example, the Transportation Intermediaries Association (TIA) training program is backed by over 30 years of experience in the industry. Typically, the longer the company has been in business, the more reliable their training program will be. Reputation Along with extensive experience comes a host of satisfied customers. The reputation of the training provider you choose should be an important factor in determining whether their program is worth the investment. Are there other freight brokers or those…

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In preparation for a busy summer driving season, Bridgestone Americas is helping drivers prepare their tires by educating them on the importance of proper tire care and maintenance. “At Bridgestone Americas, we’re committed to being a good corporate citizen, and raising awareness for the importance of tire safety is one key way we can help improve the lives of those we serve with our products,” Gordon Knapp, chief operating officer, Bridgestone Americas, said. “This is an ongoing educational effort that our teammates continually support, not only during National Tire Safety Week or the busy summer travel season, but each and every day.” According to a consumer survey by Bridgestone, tires are often overlooked by Americans as a safety feature, despite the fact that they are the only part of the vehicle that is in contact with the ground. The study, conducted online among 2,109 U.S. adults, found that only 41 percent of Americans consider tires as one of the three most important features in vehicular safety. Bridgestone emphasizes proper tire care and maintenance especially for commercial truck drivers and fleet customers.  The introduction of higher highway speed limits, as well as the trend of trucks running…

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Purchasing a truck can be a significant expense, even for the most established trucking companies. As with most vehicles, acquiring a truck typically requires either a lease or a purchase. Which is the wisest investment? Let’s take a look at some of the pros and cons associated with each option to help you make a more informed decision for your business. Leasing Leasing is essentially financing the use (or deprecation) of your truck, as opposed to a loan, which finances the actual vehicle. There are various types of leasing agreements to choose from, but generally speaking, a truck lease covers the difference between the purchase price of the vehicle (excluding sales tax) and the projected value of the vehicle at the end of the lease terms. One of the biggest differences between a lease and a purchase is what happens when all the required payments have been made. Unlike a purchase, with a lease, you will not automatically own the vehicle at the end of the terms. Some leases will allow you to purchase the truck when the lease ends for an additional amount of money, while others will allow you to trade the vehicle in,…

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According to the Centers for Disease Control and Prevention, a trucker’s life expectancy is 16 years shorter than a normal life expectancy. That outlook seems bleak for many, so the transportation industry has shifted its focus. With multiple resources now available for health and overall wellness, truckers can overcome the health risks that typically come with the job. Trucker Exercise One of the most difficult aspects about staying healthy as a trucker is the lack of exercise available. When you are hauling freight across the country, getting to the gym is nearly impossible. To help with this problem, many have created exercise videos on YouTube you can do in and outside your truck when you’re on the road. If you have to take a break, why not use it to get in shape? A great YouTube channel to turn to when working out on the road is the “Workout Wednesday” playlist through The Healthy Trucker. Eating Healthy What good is working out if you aren’t feeding your body the right nutrients? Eating at truck stops can really put an end to your healthy goals with fast food and soft drink options…

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When most people go to buy trucking insurance, they expect the obvious questions: How many trucks do you own? Where is your company domiciled? What commodities do you haul?  What is your travel radius?  Insurance companies use this information to formulate your premium.  But, what else goes into rating a commercial trucking policy?  What other factors are driving your rates? The answer is … there are several other factors companies use when considering a risk.  Some examples are: Loss Frequency and Severity Safety Management Scores Out-of-Service Percentages Growth Plans Coverages or lack there of Multiple MC Numbers Sharing of Units Who knew so much went into formulating your insurance premium?  Now you are wondering how to keep your cost down.  Here are some hints that may help you do just that: Know who you are hiring.  We suggest that part of your hiring process should include obtaining a motor vehicle report on all drivers prior to making an offer of employment.    Drivers can obtain a copy of their MVR from the local Department of Motor Vehicles.  There are also many services out there that will run MVRs for you as well. To read the…

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The tonnage shipped by the trucking business rose to an all-time high in February, with rates for truckload shipments up ticking slightly from a year ago. The American Trucking Associations’ seasonally-adjusted truck tonnage index rose 7.2 percent in February from a month earlier.* ATA’s chief economist attributed February’s strong volumes to shippers playing “catch-up” after winter storms in January held up some shipments. Many analysts had predicted a lackluster 2016 for the freight business, especially in the first half of the year. But many have noted that last month’s strong volumes are encouraging. A monthly report by Cass Information Systems Inc. showed that per-mile truckload rates were 0.5 percent higher this February as compared to the same time last year. But overall the rates were down month-to-month, reaching their lowest point since last summer. Cass analysts attributed the decline to softening demand and overcapacity in the truckload market. Many national carriers are doing well, however, smaller regional carriers are losing market share. Triumph provides carriers of all sizes with the financial resources they specifically need…

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The next stage of trucking safety could bring more automation to minimize human error in the vehicle. Although, new technologies will reduce direct human input when driving, the human operator will continue to play a central role in fleet safety. “The next big leap for active safety systems will be the addition of active steering,” Alan Korn, director of advanced brake systems and integration at Meritor Wabco, said. “In certain environments, the driver is going to cede complete control of the vehicle over to the control system, but the driver still will be in the seat and ready to take over.” Active steering describes a steering system for a vehicle in which the driver’s steer input and the angle of steered road wheels is dynamic and changes with the vehicle’s conditions, usually speed. First developed in 2003 by BMW, the main benefit of active steering is facilitated highway travel. During high speed driving, small movements with the steering wheel can result in major shifts, which may cause the vehicle to veer out of its designated lane. However, with active steering, the response from turning is reduced through the vehicle’s automated system and allows the vehicle to…

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Snow, ice and sleet can make the best drivers nervous. The Federal Highway Safety Administration, also known as FHSA, estimates that 17 percent of weather-related crashes occur during snow or sleet, 13 percent happen on icy pavement and 14 percent take place on snowy or slushy pavement. While statistics prove that wintry conditions present dangerous situations, drivers can help minimize risks to themselves and others through better awareness and driving. No. 1 – Driving too Fast The most common and potentially most dangerous mistake is driving too quickly. Since the posted speed limit is set for dry pavement, drivers should adjust their speed according to the road’s condition, traffic and visibility. Traction comes from friction generated between your vehicle’s tires and the road itself. Any moisture that is layered in the middle will decrease the control you have over your vehicle. So, if noticeable precipitation is seen, it’s best to slow down to a comfortable speed. No. 2 – Following Too Closely Many drivers make the mistake of following too closely to the vehicle in front in poor weather conditions. Chances are if the driver in front makes an error,…

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The American Trucking Association released an analysis of data from the Department of Transportation showing that long- and short-term rates of truck-involved fatalities are declining. In their report, a total of 3,903 truck-involved fatalities were accounted for in 2014, a decline of 61 from the previous year. At the same time, the number of miles driven by trucks rose to more than 279 billion. As trucking demand increases, trucking companies and organizations improve safety practices to keep their drivers safe. Comparing data from 2013, the fatality rate decreased by 2.78 percent and 4.76 percent over the past two years. More importantly, the rate has decreased by 40.6 percent over the past decade. “America’s trucking industry has invested billions to improve safety and that commitment is paying off,” said American Trucking Association President and CEO Bill Graves. “The short-term decline is welcome news, but the important figure is the long-term trend. Short-term changes, whether they’re increases or declines, can be blips – and just like you shouldn’t track your 401k on a daily basis, they shouldn’t be the primary lens truck safety is viewed through. The long-term trend – in this case, a more than 40 percent improvement – is of…

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The U.S. Department of Labor’s Bureau of Labor Statistics announced its December 2015 jobs report, and it is good news for the trucking industry. December experienced the largest job gain in more than two years for the transportation industry. The overall transportation industry sector added more than 23,000 jobs in December, which is the largest increase since November 2013 when more than 30,000 jobs were added to the economy. Overall, U.S. payrolls grew by 292,000, which is far more than analysts expected. The unemployment rate stayed at five percent. The truck transportation subsector experienced an increase of 5,300 jobs after it gained more than 2,000 in November and 400 in October. That increase to end 2015 is the most since last June when 7,400 jobs were created. The continued improvement in the nation’s employment picture is good news for trucking in that it means more people are working and buying good that are delivered by trucks. One of the main storylines in 2015 has been the driver shortage in the trucking industry. With total jobs increasing in the sector, it could be assumed that trucking companies are able to find drivers to hire. But if the transportations industry continues to…

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As the economy continues its rebounding with steady growth across multiple industries, small businesses throughout the country are feeling the positive effects. No industry is experiencing growth more than the trucking industry though. According to a report done by Sageworks, a financial analysis software company, trucking is now the fastest-growing small-business industry in the U.S. This comes at a time when many businesses are questioning the efficiency and costs of using trucking for freight. But according to the ATA American Trucking Trends 2015 – ATA’s (American Trucking Associations) annual compendium of data on the trucking industry’s size and performance – the trucking industry generated more than $700 billion in revenue for the first time ever in 2014. And as of May 31, general freight trucking has recorded an almost 25 percent uptick in sales over the last 12-month period. The trucking industry has seen such a positive swing in sales and demand that the industry is dealing with a shortage of 35,000 to 40,000 drivers according to ATA. Because of this shortage in drivers, more opportunities are available for small to mid-sized trucking businesses. Trucking is not the only industry benefiting from increased consumer…

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DALLAS, (GLOBE NEWSWIRE) — Triumph Bancorp, Inc. (Nasdaq:TBK) announced today that it has completed its initial public offering of 6,700,000 shares of its common stock at a price to the public of $12.00 per share. Triumph’s common stock began trading on the NASDAQ Global Select Market on November 7, 2014, under the ticker symbol “TBK”. Sandler O’Neill + Partners, L.P., Evercore and Wells Fargo Securities, LLC acted as joint book-runners for the offering. Keefe Bruyette & Woods, Inc. and Nomura Securities International, Inc. acted as co-managers for the offering. The underwriters have a 30-day option, which commenced November 6, 2014, to purchase up to an additional 1,005,000 shares of common stock from Triumph at the initial public offering price of $12.00 per share, less the underwriting discount to cover over-allotments, if any. The offering was made only by means of a prospectus. A copy of the final prospectus relating to the offering may be obtained from Sandler O’Neill + Partners, L.P., Attention: Prospectus Department, 1251 Avenue of the Americas, 6th Floor, New York, NY 10020, telephone: 1-866-805-4128 or email: syndicate@sandleroneill.com; Evercore, Attention: Equity Capital Markets, 55 East 52nd Street, 36th Floor, New York, NY 10055, telephone: 1-877-993-2673; or Wells…

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