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We are a global, independent music company dedicated to bringing visuals to life with standout music. We focus on building meaningful relationships to better serve our clients throughout the world’s media industries, working in partnership to provide music curation, licensing, custom music, sonic branding and more.
Whatever your vision, connect with us to create the soundtrack that will set your production apart.
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Production music is music that is specially produced to work with media, whether it be in-show, a documentary, TV ad, YouTube or social media clip and more. It is easy to synchronise to picture in terms of edit points, and is also available without vocals, particular instrumentation and underscores. It is sometimes also known as stock music or library music. It is simple to obtain a licence to use a production music track as most production music companies own all the rights needed for you to use a track or tracks anywhere in the world.
Creating an account with West One Music is free, but you will need a license to use the music in your production. Please contact a member of our team to discuss specific pricing and to get a licence to use our music.
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Bio-One is here to help in your greatest time of need
WE WORK WITH ALL THE MAJOR HOME INSURANCE CARRIERS
OUR EXPERTISE
Our clients choose us for our proven expertise in providing prompt, professional crime scene clean up services and restoring property to its original condition. Bio-One specializes in all types of clean up including blood cleaning, death cleaning, murder clean up, suicide clean up, crime scene clean up and homicide clean up in the West Michigan Areaand throughout Michigan.
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Bio-One services all types of trauma, distressed property, and biohazard scenes in communities throughout West Michigan Area. We are your crime scene cleaners dedicated to assisting law enforcement, public service agencies and property owners/managers in restoring property that has been contaminated as a result of crime, disaster or misuse.
Jamie Trasciatti is the owner of Bio-One West Michigan. Jamie grew up outside of Detroit and moved to West Michigan in the summer of 1997. He was an over the road truck driver for 12 years until he decided he needed to do something different. Being gone all the time, he wanted to find something fulfilling where he could be home with his family and still make a good living. So Jamie purchased his franchise in February 2016 and has been helping others in need since then. While not working his business, Jamie and his wife Mandy volunteer with their county Sheriffs Department Victim Services Unit. They have 3 daughters, Adriana, Skyler and Alexis.
Источник: https://www.bioonewmich.com/
ONE WEST INSURANCE IS RECOGNIZED AS A STRATEGIC BUSINESS RESOURCE FOR CALIFORNIA TRANSPORTATION COMPANIES
Deciding on an insurance carrier can be complicated and confusing.
You want someone who will provide insight, service, and respect. You want a company that will always be there when you need them. This is what you will find at One West Insurance Services. We will sit down with you and determine the type of coverage that best fits your needs. Weve included information on this site about our company and the various types of insurance we offer.
Since 1972, One West Insurance has been serving truckers and the transportation industry. The broad offerings reflects our belief that continual improvement of our services that keeps up with a constantly changing industry is the best way to serve you.
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One West Insurance customer service is the best in California.
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Since the beginning of our relationship with One West, the staff has constantly and continuously reviewed our policies striving to get us the best possible coverage at the most favorable price.
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Since the beginning of our relationship with One West, the staff has constantly and continuously reviewed our policies striving to get us the best possible coverage at the most favorable price.
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Источник: https://www.onewestins.com/
Los Angeles Business Journal". labusinessjournal.com. Retrieved 2019-05-31.
^Peltz, James F. (August 3, 2015). "CIT Group closes $3.4-billion purchase of OneWest Bank in Pasadena". Los Angeles Times. Retrieved December 23, 2018.
^ ab"CIT Reaches Agreement to Sell Financial Freedom and Reverse Mortgage Portfolio". PRS newswire via CIT Group Inc. October 6, 2017. Retrieved December 24, 2018.
Limited financial services, accused of red lining.
Relationship Associate (Former Employee) - West Hollywood, CA - April 8, 2019
Amount of services that are offered is limited with limited potential compensation. The deposit rates are very good. The fees for the services provided are very fair. Clients are reticent to bring most of their banking to One West Bank. A typical client is a senior who owns their home and is looking for the highest rate for their deposits.
Opening a business account with the appropriate documentation is very challenging with this bank. Expect clients to get frustrated and take their business to an easier institution.
Although I did have mortgages book, the process was tediously slow with an insufficient underwriting team.
The branch manager assigned to this office was very hostile, stoic, and discouraging. There was almost a lack of humanity from this individual. She also would not acknowledge the accomplishments of the bankers who surpassed their goals.
That said, there were other managers that were very fair and friendly, including a supportive upper management.
Two Bedroom available starting at $950 (income restrictions apply).
Call for a tour today!
One West Wolfe is an independent senior community offering one- and two-bedroom apartment homes for adults 55 and older looking for a maintenance-free lifestyle.
Nestled in a quiet neighborhood in Oregon, WI, One West Wolfe is the perfect place for you or a loved one to call home. You’ll be able to maintain an independent and active lifestyle while in close proximity to shopping, dining, and entertainment. You’ll also find plenty of options for a thriving social life, as One West Wolfe’s community amenities include a fitness center, a large craft room, and a clubroom with a kitchen that’s great for coffee chats, potlucks, and game nights.
With more than 35 years’ experience in independent senior living, Horizon offers responsive 24-hour emergency maintenance and professional management so you can focus on relaxing and enjoying the amenities.
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How to Find the Best Retirement Community for You in Oregon, WI
How do you find the best retirement community in Oregon, WI for you? Once you’ve determined your priorities and preferences, keep reading to learn why our Oregon, WI senior apartment home may be a good fit for you and your lifestyle.
8 Amenities to Look for in Senior Living Options in Oregon, WI
Oregon, WI offers a perfect blend of small-town warmth and big-city convenience. While searching for independent senior apartments in this area, consider what amenities and features are most important to you.
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One West Penn
What's it for?
One West Penn Apartments is located at 1 W. Penn St. in Carlisle, PA 17013. One West Penn is designated for individuals who are 62 years of age or older and individuals 62 years of age and older who are mobility-impaired. The building includes 130 one-bedroom units. It is located in Carlisle Borough within Downtown Carlisle. Residents pay for electric and phone/cable and the landlord pays for water, sewer and trash service.
One West Penn offers laundry facilities as well as multiple common areas that allow for activities. One West Penn also offers a fitness center on the bottom floor that is operated by the YMCA as well as a kitchen that can be reserved for meetings & get-togethers. Furthermore, many events take place at the building, such as health clinics, yoga & meditation lessons, bingo etc. There is a full-time Supportive Services Coordinator on staff that is able to hook residents up with needed services or assist them with supportive listening etc.
Tenants pay 30% of their monthly adjusted income in rent and utilities. Office hours at One West Penn are Monday through Friday from 8 a.m. until 4:30 p.m., excluding holidays. Applications are available at the office, by phoning 717-249-7797. Completed applications one west be mailed to the address of the property indicated on the form or delivered during office hours. An online application is available at www.cchra.com (Please contact Cindy Martin, Property Manager – phone 717-249-7797 for additional information)
Los Angeles Business Journal". labusinessjournal.com. Retrieved 2019-05-31.
^Peltz, James F. (August 3, 2015). "CIT Group closes $3.4-billion purchase of OneWest Bank in Pasadena". Los Angeles Times. Retrieved December 23, 2018.
^ ab"CIT Reaches Agreement to Sell Financial Freedom and Reverse Mortgage Portfolio". PRS newswire via CIT Group Inc. October 6, 2017. Retrieved December 24, 2018.
Limited financial services, accused of red lining.
Relationship Associate (Former Employee) - West Hollywood, CA - April 8, 2019
Amount of services that are offered is limited with limited potential one west deposit rates are one west good. The fees for the services provided are very fair. Clients are reticent to bring most of their banking to One West Bank. A typical client is a senior who owns their home and is looking for the highest rate for their deposits.
Opening a business account with the appropriate documentation is very challenging with this bank. Expect clients to get frustrated and take their business to an easier institution.
Although I did one west mortgages book, the process was tediously slow with an insufficient underwriting team.
The branch manager assigned to this office was very hostile, stoic, and discouraging. There was almost a lack of humanity from this individual. She also would not acknowledge the accomplishments of the bankers who surpassed their goals.
That said, there were other managers that were very fair and friendly, including a supportive upper management.
CIT Group closes $3.4-billion purchase of OneWest Bank in Pasadena
Southern California’s banking landscape shifted again Monday when CIT Group Inc. completed its $3.4-billion purchase of Pasadena-based OneWest Bank.
The deal is part of an exodus of one west ownership involving some of the state’s best-known financial institutions — names such as Bank of America, Security Pacific and Great Western that have moved away or disappeared in the decades-old churn of banking mergers.
In this case, the bank stays put even though the parent company is based in New York.
CIT Group is a national provider of commercial lending and leasing services that announced plans to acquire OneWest for cash and stock a year ago. Federal regulators approved the deal last month after CIT executives pledged $5 billion over four years in loans and other services to poor and minority communities.
OneWest, with 70 retail branches in Southern California, will continue operating under that name as part of CIT’s CIT Bank division, which has operated largely online. That division will now be based at OneWest’s Pasadena headquarters.
The merger will result in a “minimal” number of job cuts among OneWest’s 1,700 employees, John Thain, CIT Group’s chairman and chief executive, said in a telephone interview.
He declined to provide a specific number for the reductions. “There will be some because there’s some duplication, but that’s not the driver of the transaction,” Thain said. “There’s not that much overlap.”
CIT also plans “no branch closures at all,” Thain said. The combined bank will have about $65 billion in assets and $30 billion in deposits.
OneWest already had changed its website Monday, noting that while it was a division of CIT it was “proud to be Southern California’s hometown bank.”
But the deal means yet another bank holding company no longer is based in California.
And another California bank is set to join the list. City National Corp., based in Los Angeles, is awaiting approval of its $5.4-billion purchase by the Royal Bank of Canada.
The nation’s biggest banks have a huge presence in California, but only San Francisco-based Wells Fargo & Co. remains headquartered in the state, with all the prestige and local philanthropy that comes with a main office.
Bank of America famously got its start in San Francisco in 1904 as Bank of Italy, which helped rebuild a city ripped apart by the 1906 earthquake. In 1998, NationsBank purchased Bank of America, took the BofA name and set up a new company in North Carolina.
Others, such as Security Pacific, Great Western and Home Savings, were merged out of existence.
The trend reflects two decades of bank consolidation stemming in part from major shifts in the economy, such as the severe recession of a few years ago.
In the case of OneWest, though, the bank was sold mainly because “the investors wanted to get their money out,” said Bert Ely, a banking consultant in Alexandria, Va. “It was a very logical progression.”
An investor group led by hedge fund operator Steven Mnuchin, who had been chairman of OneWest’s parent company IMB Holdco, created OneWest from the remains of IndyMac Bancorp.
IndyMac was an aggressive mortgage lender that the Federal Deposit Insurance Corp. seized in July 2008 as the mortgage and housing crisis, which would usher in the recession, took hold.
There was a classic run on the bank before regulators moved in, with photos broadcast worldwide showing panicked depositors standing outside IndyMac’s branches.
When IndyMac later was auctioned off by regulators, the Mnuchin group put up $1.5 billion to buy much of IndyMac — effectively doubling the return on that purchase price with the CIT deal. CIT is paying $1.9 billion in cash and $1.5 billion of CIT stock.
The group also included billionaire computer entrepreneur Michael Dell and hedge-fund operators George Soros and John Paulson.
Mnuchin, who was executive producer of such movies as “American Sniper,” joined CIT as vice chairman and a director as part of the merger.
Joseph Otting, who had been OneWest’s chief executive, became co-president of CIT Group and chief executive of CIT Bank.
The deal gained regulatory approval after CIT and OneWest assuaged critics’ concerns over whether CIT would satisfy the requirements of the 1977 Community Reinvestment Act, which requires banks to support all segments of their communities.
At a hearing before federal regulators in February, CIT’s Thain said the combined bank would provide “a significant increase” in lending, philanthropy and other support for lower-income and minority communities.
“We have set forth aggressive goals for community investment and development activities in Southern California,” Thain said then, “including targeting $5 billion of community-related activities over the next four years.”
The deal drew support from such advocacy groups as the National Asian American Coalition and the Los Angeles Latino Chamber of Commerce.
To celebrate the merger, Thain was scheduled Tuesday to attend an event at a Panorama City supermarket being hosted by the National Asian American Coalition.
CIT pursued OneWest not only because it swelled CIT’s deposit base but because OneWest’s retail deposits “give us a more diverse and lower-cost source of funds” for lending compared with other sources, such as commercial financing and brokered deposits, Thain said.
OneWest also offers home loans, wealth management and other services that mean “we can become more like a true regional commercial bank,” he said.
CIT Group’s shares edged up 4 cents to $47.08 on Monday.
When you choose our convenient Rental Purchase Payment Plan for ownership, regular payments will begin on the date and in the total shown on the completed Rental Purchase Agreement. Completion of your Rental Purchase Agreement requires verification of information obtained and verified prior to or upon delivery. Additional information required prior to or at time of delivery includes housing/income information along with 4 personal references. Payments based on rental purchase agreements.
***PLEASE BE AWARE SHIPPING TIMES MAY BE LONGER THAN EXPECTED – YOUR ORDER WILL BE DELIVERED AS SOON AS POSSIBLE*** Delivery is subject to availability in local store and manufacturers shipping schedules. Inventories vary by location. Most deliveries are made within 2–30 days from order date, depending on availability and shipping schedules of manufacturers. Limited delivery area. Company reserves the right to refuse delivery beyond 15 miles. Includes free setup and delivery at no additional expense. Setup does not include connection of gas or water. Free setup and delivery include complete setup in the room of your choice, up to two flights of stairs. Setup not currently available in areas where COVID-19 restrictions remain in place.
Discounts and promo codes may defer the initial payment required and may not reduce the total required for ownership. Discounts and promo codes are valid when you sign up for Autopay in-store or online. Available promo code discounts exclude Gaming Systems & Pre-Order Categories and select other items as indicated.
Arkansas residents have a mandatory initial rental term of 30 days. Rental payments must be made for the entire initial term. There are no refunds if property is returned before the end of the term. You are not obligated to renew this rental-purchase agreement beyond the initial term, and you may terminate it at any time by returning the property to Rent One. However, you may renew this rental-purchase agreement after the initial term by making an advance rental renewal payment before your paid term expires.
This is a lease/rental purchase agreement and no ownership rights are acquired until the total amount is paid or early payout, if available, is exercised. Merchandise is priced as "new" unless otherwise stated. Some products may be new or pre-leased. Not responsible for typographical errors.
OneWest Bank, a division of CIT Bank, N.A., is a regional bank with over 60 retail branches in Southern California. OneWest Bank specializes in consumer deposit and lending including personal checking and savings accounts, Money Market accounts, CDs, and home loan products. OneWest also offers small business checking, savings, CD and Money Market accounts as well as small business loans and treasury management products.
It was established on March 19, 2009 by IMB Holdco, a holding company owned by a consortium of private equity investors led by Steven Mnuchin. In August 2015, OneWest was acquired by CIT Group.[1]CIT Bank, N.A. is the retail banking subsidiary of CIT Group and consists of OneWest Bank and an online bank.
Formation and early acquisitions[edit]
Former OneWest headquarters in Pasadena (2009–2016)
From 2008 to 2012, 465 banks failed in the United States following the financial crisis of 2007–2008. When the Federal Deposit Insurance Corporation (FDIC) closed the banks, their assets were sold.[2] On March 19, 2009, a seven-member investor group, IMB Holdco, led by Steven Mnuchin—which included billionaire Christopher Flowers, John Paulson, Michael Dell, and George Soros—purchased Independent National Mortgage Corporation (IndyMac Bank) of Pasadena, California for $13.65 billion from the FDIC and created OneWest from the remains of IndyMac, which then had 33 branches and fidelity bank internet banking login billion in assets.[3] IndyMac Bank's failure was the fourth largest Bank run in the United States.[4]
Through OneWest Bank the investment group purchased two other failed banks from the FDIC, the First Federal Bank of California on December 18, 2009, which then had $6 billion in assets and $5 billion in deposits, and La Jolla Bank, FSB in February 2010, which then represented $3.6 billion in assets. In November 2010, OneWest Bank, purchased a $1.4 billion multifamily and commercial real estate loan portfolio from Citibank, N.A., which included approximately 600 loans, as part of their Commercial Real Estate lending business.[5] Under a Freedom of Information Act (FOIA) request, the California Reinvestment Coalition, a nonprofit, determined that as of December 2014, the FDIC had already paid over $1 billion to OneWest Bank under the shared loss agreements it secured from the FDIC when it purchased IndyMac and La Jolla Banks, and that the FDIC expected it would pay another $1.4 billion.[6]
Controversial foreclosures on IndyMac loans[edit]
According to the New York Daily News, OneWest Bank foreclosed on the personal loan through chase bank of thousands of people.[7] According to the Wall Street Journal, OneWest Bank started foreclosure proceedings on 137,000 homeowners.[8]
In enforcing its rights under the loans purchased from IndyMac, OneWest Bank took a much more aggressive approach to foreclosing on properties.
According to the Wall Street Journal, OneWest Bank attempted to foreclose on the home of Diana Yano-Horoski and her husband. They spent years fighting the foreclosure in court.[9]
On November 25, 2009, Judge Spinner in Long One west, New York penalized OneWest for their “harsh, repugnant, shocking and repulsive” actions in trying to work out a distressed mortgage, by canceling the debt in favor of the borrower.[10] A year after the New York Judge Spinner wiped away the debt, an appellate panel ruled that the judge had no right to do it. While Judge Spinner ruled that the bank's practices warranted him erasing the homeowners' debt, the appellate judges found that he had no authority to render such a judgment—and did not give the bank fair notice that such consequences were even on the table.[11] After the ruling, in a previously unreported twist, senior OneWest executives reviewing the bank's past-due mortgages came across a delinquent loan made to the judge, a person familiar with the matter said. The bank asked the judge to recuse himself. He did. Judge Spinner said Wednesday that while he fell behind on his mortgage, this had no bearing on his decision in the Horoskis’ case. After Judge Spinner recused himself, a higher court overturned his decision canceling the Horoskis’ loan. The Horoskis’ home was foreclosed on in 2012 and later sold by the bank. OneWest, now owned by CIT Group Inc., is still trying to get more than $400,000 from Mrs. Yano-Horoski, she said.[9]
On December 8, 2009, OneWest worked with the Hennepin County, Minnesota Sheriff's department to change the locks on a distressed home despite stating in a Nov. 25 e-mail that they were rescinding both the foreclosure and the sheriffs sale. OneWest Bank said, "You expressed concern that … you and your mother will be evicted from the property. Rest assured, that will not take place …".[12] Changing the locks was done without any court action which bypasses acknowledged and mandated Due Process on home foreclosures in Minnesota.[12]
OneWest Bank stopped originating new mexico vs san jose state mortgages which was prior to CIT's acquisition of the bank. But, OneWest continued servicing its portfolio of reverse mortgages, and similar to regular mortgages, it was criticized by attorneys for a number of abusive foreclosure practices, such as the story of Ossie Bernard garrette, a 90-year-old woman who OneWest tried to foreclose on over a 27 cents mistake.[13]Amazon business pricing May 2017, CIT agreed to pay $89 million in settlement claims related to its reverse mortgage program.[14] According to the US Department of Justice one west release, "The United States one west that Financial Freedom sought to obtain insurance payments for interest from FHA despite failing to properly disclose on the insurance claim forms it filed with the agency that the mortgagee was not eligible for such interest payments because it had failed to meet various deadlines relating to appraisal of the property, submission of claims to HUD, and pursuit of foreclosure proceedings. As a result, from March 31, 2011 to August 31, 2016, the mortgagees on the relevant reverse mortgage loans serviced by Financial Freedom allegedly obtained additional interest that they were not entitled to receive."[15]
OneWest sold by Mnuchin investor group, 2015[edit]
In July 2014, OneWest Bank and CIT Group announced that they were planning to merge. CIT Group was a bank that accepted $2.3 billion in TARP funding that it never repaid because it declared bankruptcy.[16] Nonprofits throughout the state very quickly raised concerns about the merger, citing the damage caused by the approximately 36,000 foreclosures conducted by OneWest in California, the bank's one west record in small business lending, the bank's weak community reinvestment act record, and concerns about possible redlining by the bank.[17] As more people learned about the proposed merger, more people opposed it. On February 2, 2015, Daily Kos and the California Reinvestment Coalition visited the San Francisco Federal Reserve and delivered more than 15,000 petitions signed by people who opposed the merger.[18] A picture of those petitions being delivered was included in Al Gore's most recent book. Then, in recognition of the strong opposition to the merger, bank regulators announced on February 6, 2015, that they would hold a public hearing about the proposed merger.[19] Regulators one west hold public hearings about proposed bank mergers. In August 2015 the Mnuchin investor group sold OneWest to the New York-based CIT Group.[20]
Financial Freedom[edit]
OneWest's "reverse mortgage servicing business", Financial Freedom, was part of CIT's acquisition but was "reported in CIT's discontinued operations". In 2017, The reverse mortgage portfolio is reported as part of the company's continuing operations.[21] In 2017, CIT Group sold Financial Freedom—which includes "its reverse mortgage portfolio"—c.$900 million of "reverse mortgage whole loans" and other "real estate owned assets", to an "undisclosed buyer".[21]
Programs[edit]
On October 4, 2010, OneWest Bank implemented the Principal Reduction Alternative (PRA) loan modification program as outlined under the Home Affordable Modification Program (HAMP). The program aimed to help struggling homeowners by modifying their loans and reducing their monthly mortgage payments. With this announcement, OneWest became one of the first servicers to launch the program.
On August 3, 2015, CIT Bank, the U.S. commercial subsidiary of CIT Group Inc., was combined with OneWest Bank, N.A., under the charter of the latter. The resulting financial institution became known as CIT Bank, N.A.[1]
CIT published a four-year Community Reinvestment Act Plan on October 19, 2015 targeting $5 Billion in new lending and investing activities by December 31, 2019. Efforts focus on financial and personal empowerment through affordable housing, single family and multifamily lending, small business lending, economic development, financial education and other outreach activities with the local community.[22]
Sale of Financial Freedom and Reverse Mortgage Portfolio[edit]
In October 2017, CIT announced the sale of Financial Freedom, the unit of OneWest Bank that was responsible for servicing reverse mortgages. On June 4, 2018 CIT completed the sale of the Financial Freedom reverse mortgage servicing business and the related indiana visa debit card mortgage portfolio to an undisclosed buyer. The transaction included the sale of mortgage servicing rights and $879 million of reverse mortgage whole loans and other one west estate owned assets as of April 30, 2018.
"These efforts support our plan to simplify CIT and gain greater efficiency in our business," said Chairwoman and Chief Executive Officer of CIT Ellen R. Alemany in a press release. "We have addressed another legacy issue by exiting the reverse mortgage business, and we have created greater efficiency in our ongoing mortgage operation by partnering with an industry leader to service our portfolio.”[23]
See also[edit]
References[edit]
^ ab"CIT Completes Acquisition of OneWest Bank". Retrieved 2018-11-20.
^"Failed Bank List". Federal Deposit Insurance Corporation. Archived from the original on November 15, 2013. Retrieved November 15, 2013.
^Wigand, Jim; Bovenzi, John (January 19, 2017). "Steven Mnuchin Bought IndyMac Fair and Square". Wall Street Journal. Retrieved December 23, 2018.
^Shalal-Esa, Andrea (September 25, 2008). "Factbox: Top ten U.S. bank failures". Reuters. Thomson Reuters. Retrieved December 23, 2018.
^"OneWest buys $1.4 billion CMBS portfolio from Citibank". Retrieved 2018-11-20.
^"OneWest Expected to Receive Over $2.4 Billion From FDIC
How to Find the Best Retirement Community for You in Oregon, WI
8 Amenities to Look for in Senior Living Options in Oregon, WI
7 FAQs About Our Affordable Senior Apartments for Rent in Oregon, WI
