“Get Sick, Get Out: The Medical Causes of Home Mortgage Foreclosures”
The report (“Will workers in America hope to dodge the bullet, remain blind to the risks, or simply hide? Perceptions, misconceptions, and best practices about long-term disability”) stems from a survey of over 2,000 workers across the United States conducted for Sun Life Financial by Kelton Research. The survey results suggest that a significant proportion of the American workforce remains unprepared for the current shift in workplace benefits, as more employers give workers the responsibility to decide whether to purchase group benefits such as disability, life, vision, and dental insurance.

“We must educate the U.S. workforce to understand the financial risks of long-term disability and learn best practices to mitigate their risks,” said Robert E. Klein, Jr., Vice President of Voluntary Benefits. “If ten couples gather for a barbecue, we estimate that roughly three of them will have a partner who experiences a disability lasting one year or longer during their professional lifetimes.”

Key findings

At least one-third (33%) of surveyed full-time workers lack long-term disability insurance.
Over one-third (38%) of workers whose employers offered them the option to pay for group long-term disability insurance declined to buy it, leaving most uninsured.
Workers who don’t buy group voluntary long-term disability coverage fall into three categories: The Gambler doesn’t think the risk justifies the cost of premiums. The Mole hasn’t considered the issue and so remains blind to solutions. The Ostrich finds the thought of disability too unpleasant to face.
Workers under age fifty, minorities, men, and tech workers are more likely to have purchased long-term disability insurance than other respondents.
Many workers don’t understand key features of long term disability insurance, and fail to anticipate how a disability may raise monthly living expenses.
“Because employers are footing less and less of the overall group insurance bill, workers in our country must take proactive steps to mitigate the financial risk of long-term disability,” said Michael E. Shunney, Senior Vice President and General Manager for Sun Life Financial’s U.S. Employee Benefits Group Division. “As our survey shows, people don’t always think logically when they contemplate their risks. By encouraging workers to learn how to protect themselves and their families against income loss from long-term disability, we hope this survey helps the American workforce plan for more than a lifetime of financial security.”

About Sun Life Financial

Sun Life Financial is a leading international financial services organization providing a diverse range of protection and wealth accumulation products and services to individuals and corporate customers. Chartered in 1865, Sun Life Financial and its partners today have operations in key markets worldwide, including Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China, and Bermuda. In the United States and elsewhere, insurance products are offered by members of the Sun Life Financial group that are insurance companies. Sun Life Financial Inc., the holding company for the Sun Life Financial group of companies, is a public company. It is not an insurance company and does not offer insurance products for sale in the United States or elsewhere, and does not guarantee the obligations of its insurance company subsidiaries. In the United States, Sun Life Financial provides a range of products and services to employers and their employees, including group and voluntary life, disability, dental and stop-loss insurance products. These products are issued by Sun Life Assurance Company of Canada in all states except New York. In New York, these products my re-sendare issued by Sun Life Insurance and Annuity Company of New York. Product offerings may not be available in all states and may vary depending on state laws and regulations. Sun Life Financial Inc. trades on the Toronto (TSX), New York (NYSE), and Philippine (PSE) stock exchanges under the ticker symbol SLF. For more information, visit www.sunlife.com/us.

SLPC 24144 appvd: 5/12, exp 5/14

________________________________
1. Personal bankruptcies: Medical problems contributed to 62% of all personal bankruptcies filed in the United States in 2007, according to “Medical Bankruptcy in the United States, 2007: Results of a National Study,” The American Journal of Medicine, 6/4, 2009. Home foreclosures: Medical problems contributed to half of all home foreclosure filings in 2006, according to, “Get Sick, Get Out: The Medical Causes of Home Mortgage Foreclosures,” Health Matrix, Journal of Law-Medicine, Aug., 2008.

Contacts

Sun Life Financial
Tim Stone, 781-366-5376
tim.stone@sunlife.com

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“These changes will allow more families to qualify for the programs and remain in their homes”
“These changes will allow more families to qualify for the programs and remain in their homes,” said Claudia Cappio, Executive Director of the California Housing Finance Agency, which manages the Keep Your Home California program. “By keeping families in their homes, we can help stabilize neighborhoods and communities.”

The program changes, approved by the U.S. Department of the Treasury this week, make it easier for California homeowners to qualify for assistance. They are:

KYHC Program Benefit Cap: The KYHC program cap was increased from $50,000 to $100,000 per household. This change will go into effect in early June.
Mortgage Reinstatement Assistance Program: The increase – from $20,000 to $25,000 – of funding for homeowners to catch up on their mortgage payments in case of financial hardship – such as a pay reduction at work, a divorce or significant health care bills. This change goes into effect on May 7.
Principal Reduction Program: The elimination of a requirement that a qualified homeowner’s mortgage servicer match the federal funds dollar-for-dollar. This means Keep Your Home California will fund 100 percent of a principal reduction up to $100,000 as long as servicers provide a rate and/or term modification to ensure the homeowner has an affordable, sustainable monthly mortgage payment. This change will go into effect in early June.
Also under the new changes to the Principal Reduction Program, the dollars would be disbursed in the first year rather than in three installments over three years and the forgivable loan will also extend from three to five years.

“We are making these changes to encourage more servicers to participate in the Principal Reduction Program,” Cappio said. “Unfortunately, we had limited participation among servicers with the existing program and thousands of homeowners could not qualify for assistance as a result. We are constantly evaluating how to make these programs most effective for California homeowners and believe now that the match has been removed and the funds will be disbursed in a one-time payment, the major obstacles to servicer participation have been cleared.”

More than 60 mortgage servicers are participating in at least one of the Keep Your Home California programs and these servicers cover about 95 percent of the mortgages in the state. However, only 14 servicers currently participate in the Principal Reduction Program. For a list of the participating servicers and the programs they participate in, visit www.keepyourhomecalifornia.org/participating.htm.

Keep Your Home California is the State of California’s $2 billion foreclosure prevention effort, established under the U.S. Treasury’s Hardest Hit Fund. There are four unique programs that make up Keep Your Home California, all of which aim to prevent avoidable foreclosures by offering mortgage payment assistance to qualifying low and moderate income homeowners who are facing financial hardships. In addition to the Principal Reduction and Mortgage Reinstatement Assistance programs, Keep Your Home California also has the Unemployment Mortgage Assistance and Transition Assistance programs.

The Unemployment Mortgage Assistance Program offers a mortgage payment subsidy for as much as $3,000 per month for up to nine months, for homeowners receiving unemployment benefits from the state Employment Development Department. The Transition Assistance Program provides a maximum of $5,000 in relocation costs for homeowners who are moving from their home through a mortgage servicer-approved short sale or deed-in-lieu of foreclosure.

Keep Your Home California has approved about 19,000 homeowners and more than $411 million in funding since the program started in February 2011.

In order for homeowners to qualify for any of the four Keep Your Home California programs, they must meet eligibility criteria including income requirements and their mortgage servicer must be participating. More information on eligibility criteria is available at www.keepyourhomecalifornia.org/eligibility.htm and county-by-county income limits can be found at www.keepyourhomecalifornia.org/files/income.pdf.

Homeowners seeking information about the program are encouraged to call 888-954-KEEP (5337) between 7 a.m. and 7 p.m. weekdays and 9 a.m. to 3 p.m. Saturdays or visit www.KeepYourHomeCalifornia.org (a Spanish-language site is available at www.ConservaTuCasaCalifornia.org).

Contacts

California Housing Finance Agency
Evan Gerberding, 916-326-8602
Fax: 916-322-2345
egerberding@calhfa.ca.gov
www.KeepYourHomeCalifornia.org

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Studio City Glass is owned and operated by Crystal Clear Glass, Inc., the premier shower door company in Southern California. Operating in the city of Studio City and its surrounding communities, Studio City Glass specializes in luxurious, high end glass windows and doors that complement your fashionable home. We know you have many choices when choosing a glass windows and doors company for your Studio City home and we appreciate your considerations in choosing to visit Studio City Glass and our parent company Crystal Clear Glass, Inc.

Studio City Glass and Crystal Clear Glass, Inc. have been custom designing, measuring, installing and servicing glass windows and doors in Studio City for more than twenty years. We have many referrals to share with you with our local Studio City customers. Michael Aronson is the owner and chief executive officer of Studio City Glass / Crystal Clear Glass, Inc and is involved in the daily activities of our business. He is not only a glass specialist, but his is the consultant that architects turn to when they need custom glass designed and installed for luxurious and modern Studio City homes and business. Hollywood special effects specialists call on Studio City Doors / Crystal Clear Glass, Inc. to break glass and shower doors safely for their movies.

Studio City Glass will give you quality glass windows and doors, as well as the best custom design of your bathroom – and we will provide you with the highest quality craftsmanship, workmanship and installation when your Studio City glass windows and doors are ordered from us.

Additional Products Provided by Studio City Shower Doors:

•

Studio City Glass will custom design and install your Closet with Beveled Mirrors
• Studio City Glass will custom design and install your Custom Mirrored Walls with Bevel Strips
• Studio City Glass will custom design and install your Grey and or Bronze Tinted Mirror
• Studio City Glass will custom design and install your Mirror Wardrobe Doors
• Studio City Glass will custom design and install your 2-Way Detection Mirrors
• Studio City Glass will custom design and install your Custom Mirrored Picture Frames
• Studio City Glass will custom design and install your Closet Mirror Doors
• Studio City Glass will custom design and install your Wet Bars
• Studio City Glass will custom design and install your Custom Shelving

• Studio City Glass will custom design and install your Fiberglass Doors that are virtually maintenance free
• Studio City Glass will custom design and install your Sliding Doors
• Studio City Glass will custom design and install your French Doors
• Studio City Glass will custom design and install your Oak-Stained Doors
• Studio City Glass will custom design and install your Paint Grade Doors

• Studio City Glass will custom design and install your Studio City Automatic Sliding Glass Doors
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• Studio City Glass will custom design and install your Custom Beveled Mirrors
• Studio City Glass will custom design and install your Studio City Custom Frameless Doors
• Studio City Glass will custom design and install your home with Mirrors
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• Studio City Glass will custom design and install your Emergency Board up Services
• Studio City Glass will custom design and install your Fire Resistant Glass
• Studio City Glass will custom design and install your French Doors
• Studio City Glass will custom design and install your Herculite Doors
• Studio City Glass will custom design and install your Hinged Doors
• Studio City Glass will custom design and install your New Construction projects
• Studio City Glass will custom design and install your Pantry Doors
• Studio City Glass will custom design and install your Patio Doors
• Studio City Glass will custom design and install your Studio City Retro Fit

Studio City Glass with Safety Glass
• Studio City Glass will custom design and install your Shower Enclosure
• Studio City Glass will custom design and install your Sliding Glass Doors
• Studio City Glass will custom design and install your Store Front Repair
• Studio City Glass will custom design and install your Store Fronts
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• Studio City Glass will custom design and install your Vanity Mirrors

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Culver City Glass Windows
Century Glass WindowsHarbor City Glass WindowsMonterey Park Glass WindowsWilmington Glass WindowsSanta Monica Glass Windows

West Hills Glass is owned and operated by Crystal Clear Glass, Inc., the premier shower door company in Southern California. Operating in the city of West Hills and its surrounding communities, West Hills Glass specializes in luxurious, high end glass windows and doors that complement your fashionable home. We know you have many choices when choosing glass windows and doors company for your West Hills home and we appreciate your considerations in choosing to visit West Hills Glass and our parent company Crystal Clear Glass, Inc.

West Hills Glass and Crystal Clear Glass, Inc. have been custom designing, measuring, installing and servicing glass windows and doors in West Hills for more than twenty years. We have many referrals to share with you with our local West Hills customers. Michael Aronson is the owner and chief executive officer of West Hills Glass / Crystal Clear Glass, Inc and is involved in the daily activities of our business. He is not only a glass specialist, but his is the consultant that architects turn to when they need custom glass designed and installed for luxurious and modern West Hills homes and business. Hollywood special effects specialists call on West Hills Doors / Crystal Clear Glass, Inc. to break glass and shower doors safely for their movies.

West Hills Glass will give you quality glass windows and doors, as well as the best custom design of your bathroom – and we will provide you with the highest quality craftsmanship, workmanship and installation when your West Hills Glass windows and doors are ordered from us.

Additional Products Provided by West Hills Shower Doors:

•

West Hills Glass will custom design and install your Closet with Beveled Mirrors
• West Hills Glass will custom design and install your Custom Mirrored Walls with Bevel Strips
• West Hills Glass will custom design and install your Grey and or Bronze Tinted Mirror
• West Hills Glass will custom design and install your Mirror Wardrobe Doors
• West Hills Glass will custom design and install your 2-Way Detection Mirrors
• West Hills Glass will custom design and install your Custom Mirrored Picture Frames
• West Hills Glass will custom design and install your Closet Mirror Doors
• West Hills Glass will custom design and install your Wet Bars
• West Hills Glass will custom design and install your Custom Shelving

• West Hills Glass will custom design and install your Fiberglass Doors that are virtually maintenance free
• West Hills Glass will custom design and install your Sliding Doors
• West Hills Glass will custom design and install your French Doors
• West Hills Glass will custom design and install your Oak-Stained Doors
• West Hills Glass will custom design and install your Paint Grade Doors

• West Hills Glass will custom design and install your West Hills Automatic Sliding Glass Doors
West Hills Glass with Bullet Proof Glass
• West Hills Glass will custom design and install your Custom Beveled Mirrors
• West Hills Glass will custom design and install your West Hills Custom Frameless Doors
• West Hills Glass will custom design and install your home with Mirrors
West Hills Glass with Dual Pane Windows
• West Hills Glass will custom design and install your Emergency Board up Services
• West Hills Glass will custom design and install your Fire Resistant Glass
• West Hills Glass will custom design and install your French Doors
• West Hills Glass will custom design and install your Herculite Doors
• West Hills Glass will custom design and install your Hinged Doors
• West Hills Glass will custom design and install your New Construction projects
• West Hills Glass will custom design and install your Pantry Doors
• West Hills Glass will custom design and install your Patio Doors
• West Hills Glass will custom design and install your West HillsRetro Fit

West Hills Glass with Safety Glass
• West Hills Glass will custom design and install your Shower Enclosure
• West Hills Glass will custom design and install your Sliding Glass Doors
• West Hills Glass will custom design and install your Store Front Repair
• West Hills Glass will custom design and install your Store Fronts
• West Hills Glass will custom design and install your Storm Doors
• West Hills Glass will custom design and install your Vanity Mirrors

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“Each subsystem such as optics, electronics and thermals needed to be designed for miniaturization and cooperative performance. We explored the limits of what’s possible and pushed far beyond industry expectations and competitors’ thinking and product offerings.”
GE’s 27-watt Energy Smart® LED bulb, on store shelves in the U.S. and Canada the first half of 2013 (MSRP to be determined), will debut on a global stage starting May 9 at LIGHTFAIR International in Las Vegas, the world’s largest lighting trade show. GE’s existing portfolio of LED bulbs includes a 13-watt LED (60-watt incandescent replacement) and a 9-watt LED (40-watt incandescent replacement), which was the first incandescent-shaped (A-19) LED in the world to earn ENERGY STAR® qualification. (Downloadable GE LED bulb photos available at http://pressroom.geconsumerproducts.com/pr/ge/ge-plans-world-debut-of-led-bulb-233556.aspx)

“Our innovation team has tackled a previously insurmountable technical challenge: cooling a 100-watt A-19 shaped replacement LED bulb without making it physically bigger,” says Steve Briggs, general manager of LED systems, GE Lighting. “Each subsystem such as optics, electronics and thermals needed to be designed for miniaturization and cooperative performance. We explored the limits of what’s possible and pushed far beyond industry expectations and competitors’ thinking and product offerings.”

New LED bulb performance metrics

GE testing confirms 100-watt incandescent replacement metrics: 1,600+ lumens, uniform omnidirectional light distribution, 3000K color temperature, 25,000-hour life rating (22.8 years at 3 hours per day), dimmable, no mercury, instant full brightness and 60+ lumens per watt—all fitting neatly in the standard A-19 bulb shape.

“Our achievement does more than backfill for the 100-watt incandescent bulb,” adds Briggs. “We now have a clear path to attaining even higher light levels, which will give customers more energy-efficient lighting options in both commercial and residential settings. This product fills a real customer need and further extends GE’s LED lighting leadership.”

LEDs are semiconductors that produce light. They must be cooled to ensure long life. In collaboration with GE, Nuventix developed a method for moving air to cool LEDs using an oscillating membrane, called a synthetic jet (an alternative to a fan), which fits within the envelope of the A-19 bulb shape.

“We expected our collaboration with GE Lighting would power some big advances in the application of lighting,” notes Jim Balthazar, CEO and president of Nuventix. “Once we came together last year, our teams wasted no time getting in the lab to build on the genius of GE’s LED bulb design, and to incorporate a synthetic jet solution that enabled GE to leapfrog its competitors. We’re a leader helping a leader, and it’s going to benefit consumers that want high quality LED lighting that performs as promised.”

Incandescent replacements need to perform as expected

Every GE Energy Smart® LED incandescent replacement bulb, including the coming 100-watt replacement, offers smooth, incandescent-like dimming, minus the stepped dimming, flicker, shimmer, pop-on, drop-off or even inaction that plague other LED bulbs touting a dimming capability. GE’s LED bulbs also feature an aesthetically pleasing incandescent size and shape, and a design that allows for a soft-white appearance when turned off, a consumer preference that GE discovered through market research.

The 100-watt replacement LED will expand GE’s current family of LED bulbs already offered in a broad range of shapes, wattages and colors, including its 40- and 60-watt LED standard incandescent bulb replacements, spot and flood lights (PAR20 & PAR30), ceiling fan bulbs (A15), medium globes (G25), small globes (G16.5), candles (CA10) and night lights (C7). All of GE’s Energy Smart LED bulbs are rigorously tested to ensure constant color, long life and verifiable lumen ratings.

Learn more about the future of lighting and GE innovation at www.gelighting.com/lighttransforms and by engaging with GE Lighting through Facebook, Twitter and YouTube.

About Nuventix

Nuventix is the company that cools, providing the only answer to the growing problem of thermal management in electronics. From chips in LED lighting to computing and beyond, the Nuventix SynJet® offers a reliable, quiet and energy efficient cooling solution in a variety of sizes and form factors. Nuventix, with its innovative SynJet technology product line, has been solving thermal management problems for customers around the world since 2003. Visit www.nuventix.com.

About GE Lighting

GE Lighting invents with the vigor of its founder Thomas Edison to develop energy-efficient solutions that change the way people light their world in commercial, industrial, municipal and residential settings. The business employs over 17,000 people in more than 100 countries, and sells products under the Reveal® and Energy Smart® consumer brands, and Evolve™, GTx, Immersion ™, Infusion ™, Lumination™ and Tetra® commercial brands, all trademarks of GE. General Electric (NYSE: GE) works on things that matter to build a world that works better. For more information, visit www.gelighting.com.

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Contacts

GE Lighting
David Schuellerman, 216-266-9702
david.schuellerman@ge.com
OR
Nuventix
Starr Million Baker, 512-382-8981
starr@ink-pr.com

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Scotsman Guide, the leading resource for mortgage originators, released its third annual Top Originators rankings on April 1. The list, which ranks the nation’s top mortgage brokers, originators and bankers, appears in Scotsman Guide’s April 2012 residential edition, and searchable rankings are available online at scotsmanguide.com/top2011.

Michael Alexander & Stuart Shanefield were ranked among entries from more than 800 mortgage professionals across the country. To be eligible for initial consideration in Scotsman Guide’s Top Originators rankings, originators must have had at least $30 million in loan volume or 100 closed home loans for the 2011 calendar year. Only loans and volume that originators closed personally could be considered. After receiving submissions, Scotsman Guide required written verification of top entrants’ volume from a certified public accountant, the chief financial officer at the originator’s company or a similar source. This verification process makes Scotsman Guide’s Top Originators list the most accurate ranking of top-producing originators in the industry.

WCS Lending of Boca Raton, Florida was founded in 2001. We’re a multi-investor mortgage banker, licensed in 49 states. We are one of the largest mortgage lenders in Florida, funding over two billion dollars annually. WCS Lending is a full service mortgage lender with our own in-house processing and underwriting departments which enables us to close loans quickly. Most loans close in 30 days or less!

Scotsman Guide Media publishes a residential edition and a commercial edition of Scotsman Guide, in addition to Scotsman Guide Loan Post and other platforms at scotsmanguide.com. The magazines are also available in digital format at scotsmanguide.com/digitalmag. Each month, the magazines reach tens of thousands of subscribers nationwide. Scotsman Guide is the leading resource for mortgage originators and connects mortgage brokers with wholesale and commercial lenders.

For more information, visit www.wcslending.com or call (866) WCS-LEND .

Contacts

WCS Lending, LLC
Erik Berman, (866) WCS-LEND Ext.423
Marketing Communications Director
erik.berman@wcslending.com

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“We are thrilled with the response and very happy that buyers have accepted the online auction process”
“We are thrilled with the response and very happy that buyers have accepted the online auction process”, states Ryan Devin, Director of Auction Operations. “Not only do the buyers understand it, they appreciate the convenience and ease of use, but even more so the buyers are excited by the opportunity to purchase real estate at a very good price.”

During Last Call, the bid deadline is extended when a new bid is placed on a property or when the highest sealed is posted on a property, thereby opening it up to further bidding. Also, as the portfolio of individual properties is with one seller, the bid deadline is extended across all the properties in the HMB portfolio.

This phase of the auction is the most exciting as prospective buyers are given additional time to place their bids on any of the over 30 properties in the Saxony-Anhalt and surrounding states, while current bidders are awarded ample time to reconsider and react when out-bid.

The auction cannot last forever, so interested buyers are encouraged to visit www.FRE.de/118, register a user account, view the properties and download documents. By submitting the required bid deposit by credit card, which is as low as €500 on many of the properties, a bid can be placed on the property before the published bid deadline.

The Freedom Realty Exchange®

The Freedom Realty Exchange is owned and managed by LFC Internet Marketing, Inc., a member of the LFC Group of Companies. For more than 30 years, the LFC Group of Companies has successfully auction marketed thousands of commercial, industrial, land and residential properties, with sales in excess of $5 billion; and for the last seven years, we have conducted real estate auctions exclusively online. We have successfully served numerous Fortune 500 companies, real estate developers, investors, financial institutions, government agencies and real estate brokerages, both nationally and internationally, providing a complete suite of real estate disposition strategies and auction marketing programs for commercial and residential property and mortgage notes.

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Contacts

LFC Group of Companies
Kelly Lovegrove, +1-949-706-6113
klovegrove@lfc.com

Jobs Chicago Illinois 60601

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Major concerns with mortgage servicing were raised after servicers, struggling to keep up with the tidal wave of loan defaults, were accused of having inadequate processes in place. Attention has shifted to massive reforms in servicing, coming at the industry from many regulators.

The Obama administration is spearheading efforts to reform mortgage servicing incentives and compensation. Meanwhile, federal regulators completed a review of 14 servicers that handle more than two-thirds of mortgages outstanding. The review resulted in consent orders for the servicers as well as Lender Processing Services and MERS. Companies that were not subject to consent orders are likely to be impacted as well.

State regulators and attorneys general are also demanding significant changes in mortgage servicing practices and threatening to impose monetary penalties on servicers. And Fannie Mae and Freddie Mac were directed by the Federal Housing Finance Agency to revamp servicing standards for delinquent mortgages.

Prepare for these massive changes with Understanding Mortgage Servicing Reforms 2011

Topics covered include:

Analysis of Federal Consent Orders

- Significant Weaknesses Uncovered

- Arrangements with Outside Law Firms

- Comprehensive Action Plan

- Foreclosure Review & Sampling

- Single Point of Contact & Vendor Management

- Other Servicing Requirements

- Differences Between Orders and Review

- Bank/Thrift Holding Companies

Impact on Non-Consent Order Servicers

- Best Practices for Servicers

- Concerns with Some Provisions

- An Opportunity for Some

- Loss Mitigation & Communication Efforts

- Staffing and Training

- Foreclosure Practices

Other Federal Initiatives

- Oversight by Federal Regulators

- CFPB Outlook

- National Servicing Standards

- Qualified Residential Mortgages

- Non-Agency Loan Problems

- Impact of Servicing Problems

State Efforts

- State Regulator Perspective

- Scope of Reviews

- Dual-Track Foreclosures

- Principal Reduction

- Judicial & Non-Judicial Foreclosures

- Problems with Trustees

- Outlook

GSE Initiatives

- Servicing of Delinquent Mortgages

- Financial incentives

- Dual-Track Foreclosures

- Compliance Monitoring

- Changes to Servicing Compensation

- Initial Response

This 75-page report also includes exclusive insight and analysis from industry lawyers, an official from a major servicer and a state regulator.

For more information visit http://www.researchandmarkets.com/research/7spf4n/understanding_mort

Contacts

Research and Markets
Laura Wood, Senior Manager.
press@researchandmarkets.com
U.S. Fax: 646-607-1907
Fax (outside U.S.): 353-1-481-1716
Sector: Property

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“I am grateful for Harmit’s support through the transition of his responsibilities. We have built a very strong team in Finance and I am confident that they will continue to provide great support and leadership as we move forward.”
The organizational evolution, expected to be completed by the end of September 2012, is designed to position Hyatt to adapt quickly and effectively to guest and hotel owner needs during the expansion and growth the Company anticipates across all of its brands in multiple markets over the next several years. “Hyatt has made tremendous progress in the last few years,” Hoplamazian said. “Since going public in 2009, we have increased our global brand footprint in many of the world’s most important markets, have built a pipeline that includes more than 170 executed contracts for new hotels, expanded the engagement of our associates, improved guest satisfaction in each of our brands, and realized solid financial results. Looking ahead, we aim to be more adaptable by pushing more decision-making to those who interact directly with our guests and hotel owners, better aligning our development and operating activities in the field and ensuring that all of our critical functions are properly and efficiently resourced. I believe these organizational changes will further release our associates’ natural talent and energy in ways that will continue to increase preference for our brands.”

As part of the realignment, Hyatt will establish three operating regions that will be supported by a newly formed Global Operations Center. The heads of each of the regions and of the Global Operations Center will report to Hoplamazian. This change reflects the increasing importance of international markets to the company’s business and its growth plans. The scope of activities of the operating regions – Asia, the Americas (includes North America, the Caribbean, and Latin America), and Europe/Africa/Middle East (EAME) – is being expanded to include increased responsibility for and involvement in the Company’s development efforts. The operating regions will draw upon resources, standards, policies, best practices and tools provided by the Global Operations Center to support existing hotel needs and future growth. Each region will contain a full range of functional operational resources to support the hotel and area-based teams charged with creating distinctive guest experiences and managing Hyatt’s commercial needs.

The Global Operations Center will ensure operating efficiency in the roll-out of new innovations developed at the Company and will unify the Company’s operations. In addition, the Global Operations Center will oversee Hyatt’s information technology resources, worldwide sales organization and call centers and ensure that those resources are effectively supporting the Company’s needs.

A newly formed Real Estate and Capital Strategy group, reporting to Hoplamazian, will be responsible for implementing Hyatt’s overall capital strategy, managing its hotel asset base and providing support to Hyatt’s development professionals around the world. This group will bring a comprehensive approach to the Company’s efforts to recycle hotel real estate assets and to manage capital deployment in furtherance of its expansion plans. The Real Estate and Capital Strategy group will oversee all investments made by the Company in hotel properties on a global basis and pursue new investment models to allow third party developers to derive more value from their commitment to build Hyatt-branded hotels.

“We are relentlessly focused on three strategies to achieve our goal to be the most preferred brand for our associates, our guests and our hotel owners: generating meaningful career development opportunities for our associates and future leaders; creating compelling customer experiences through well-executed innovation; and growing the presence of our brands around the world – including growth through the use of our capital,” said Hoplamazian. “I firmly believe that realigning our resources will allow us to execute faster and more effectively and will enable Hyatt to enhance its position as a powerful global brand and to deliver exceptional results.”

Executive Appointments

As Hyatt’s new organizational structure is implemented, there will be senior management changes.

Harmit J. Singh, currently the Company’s Executive Vice President, Chief Financial Officer will continue to serve as Executive Vice President, Chief Financial Officer until August 15, 2012, and will be an Executive Vice President of the Company from August 15, 2012 through December 31, 2012, at which time he will pursue other career opportunities. Singh led Hyatt’s finance function over the past four years and was an integral member of the team that managed the Company’s initial public offering in 2009. During the remainder of the year, he will participate in the transition of his responsibilities to his successor. “Harmit has been a key member of the executive team at Hyatt over the past four years. He has made important contributions to Hyatt and provided valued guidance in setting the direction for the Company during a very challenging industry cycle and through our initial public offering,” said Hoplamazian. “I am grateful for Harmit’s support through the transition of his responsibilities. We have built a very strong team in Finance and I am confident that they will continue to provide great support and leadership as we move forward.”

The Company has appointed Gebhard F. Rainer as Executive Vice President, Chief Financial Officer of Hyatt effective August 15, 2012. Rainer currently serves as Managing Director, Europe/Africa/Middle East (EAME) and has been with Hyatt since 1988. He has held operating and finance positions at a number of hotels as well as in Hyatt’s corporate office during his career. Rainer will be based in Chicago. “Gebhard brings a wealth of knowledge in operations, development and finance to the CFO position and his global operating background will serve Hyatt well as we move forward,” said Hoplamazian. “I have known Gebhard for many years, and I am confident that with his leadership he will make a significant contribution to Hyatt in his new role.” Rainer’s successor in EAME will be named at a later date.

Chuck Floyd will lead the Global Operations Center, based in Chicago. Floyd has been with Hyatt for more than 30 years and currently serves as Executive Vice President, Chief Operating Officer – North America.

Rakesh Sarna will lead the new Americas region. Sarna has been with Hyatt for more than 32 years and currently serves as Executive Vice President, Chief Operating Officer – International.

Steve Haggerty will lead the new Real Estate and Capital Strategy group. Haggerty joined Hyatt in 2007 and currently serves as Executive Vice President, Global Head of Real Estate and Development.

In the new regional structure, the current Asia Pacific and Southwest Asia operating divisions will be a part of the Asia region under the oversight of Larry Tchou. Tchou will continue to lead the Asia Pacific area and remain based in Hong Kong. Peter Fulton will continue to lead the Southwest Asia area remaining based in Dubai. Tchou was one of the first employees of Hyatt in Asia and was instrumental in introducing Hyatt into mainland China over 27 years ago. Fulton has held numerous positions around the world during his 27 years with Hyatt.

About Hyatt Hotels Corporation

Hyatt Hotels Corporation, headquartered in Chicago, is a leading global hospitality company with a proud heritage of making guests feel more than welcome. Thousands of members of the Hyatt family strive to make a difference in the lives of the guests they encounter every day by providing authentic hospitality. The Company’s subsidiaries manage, franchise, own and develop hotels and resorts under the Hyatt®, Park Hyatt®, Andaz®, Grand Hyatt®, Hyatt Regency®, Hyatt Place® and Hyatt HouseTM. Hyatt House is changing its brand identity from Hyatt Summerfield Suites®. Hyatt Residential Group, Inc., a Hyatt Hotels Corporation subsidiary, develops, operates, markets or licenses Hyatt ResidencesTM and Hyatt Vacation Club®, which is changing its name to Hyatt Residence ClubTM. As of December 31, 2011, the Company’s worldwide portfolio consisted of 483 properties in 45 countries. For more information, please visit www.hyatt.com.

FORWARD-LOOKING STATEMENTS

Forward-Looking Statements in this press release, which are not historical facts, are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements include statements about our plans, strategies, occupancy and ADR trends, market share, the number of properties we expect to open in the future, our expected capital expenditures, depreciation and amortization expense, interest expense and effective tax rate, estimates, financial performance, prospects or future events and involve known and unknown risks that are difficult to predict. As a result, our actual results, performance or achievements may differ materially from those expressed or implied by these forward-looking statements. In some cases, you can identify forward-looking statements by the use of words such as “may,” “could,” “expect,” “intend,” “plan,” “seek,” “anticipate,” “believe,” “estimate,” “predict,” “potential,” “continue,” “likely,” “will,” “would” and variations of these terms and similar expressions, or the negative of these terms or similar expressions. Such forward-looking statements are necessarily based upon estimates and assumptions that, while considered reasonable by us and our management, are inherently uncertain. Factors that may cause actual results to differ materially from current expectations include, among others, general economic uncertainty in key global markets, the rate and pace of economic recovery following economic downturns; levels of spending in business and leisure segments as well as consumer confidence; declines in occupancy and average daily rate; our ability to successfully execute and implement our organizational realignment and the costs associated with such organizational realignment; loss of key personnel, including as a result of our organizational realignment; hostilities, including future terrorist attacks, or fear of hostilities that affect travel; travel-related accidents; changes in the tastes and preferences of our customers; relationships with associates and labor unions and changes in labor law; the financial condition of, and our relationships with, third-party property owners, franchisees and hospitality venture partners; if our third-party owners, franchisees or development partners are unable to access the capital necessary to fund current operations or implement our plans for growth; risk associated with potential acquisitions and dispositions and the introduction of new brand concepts; changes in the competitive environment in our industry and the markets where we operate; outcomes of legal proceedings; changes in federal, state, local or foreign tax law; foreign exchange rate fluctuations or currency restructurings; general volatility of the capital markets; our ability to access the capital markets; and other risks discussed in the Company’s filings with the U.S. Securities and Exchange Commission, including our Annual Report on Form 10-K, which filings are available from the SEC. We caution you not to place undue reliance on any forward-looking statements, which are made as of the date of this press release. We undertake no obligation to update publicly any of these forward-looking statements to reflect actual results, new information or future events, changes in assumptions or changes in other factors affecting forward-looking statements, except to the extent required by applicable laws. If we update one or more forward-looking statements, no inference should be drawn that we will make additional updates with respect to those or other forward-looking statements.

Contacts

Hyatt Hotels Corporation
Farley Kern
312.780.5506
farley.kern@hyatt.com

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Chiropractor Thousand Oaks is Dr. Greg Celaya, Doctor of Chiropractic from Cleveland Chiropractic College in Los Angeles, California. He has earned his Diplomat from the California Board of Chiropractic Examiners and he has been certified as a Qualified Medical Examiner for the State of California.
The practice of the Chiropractor Thousand Oaks office, known as the Advanced Health and Wellness Center, is first and foremost aimed at alleviating and eliminating your pain. Dr. Greg Celaya and his staff are well versed in the management of extremities and spinal injuries, central nervous system restoration, sports injuries, sports injury prevention, muscular injuries and pain management.
The main focus of chiropractic Thousand Oaks medicine and therapy is to restore the relationship between the skeleton and the nervous system which runs through the skeleton, to its peak condition. Our chiropractic care is focused on the spine, as well as providing care and rehabilitation for your entire body.
We use several different diagnostic tools in our office. As appropriate and with your permission, we have available for use tools including x-rays, MRI’s, CAT scans, and ultrasound equipment to help use diagnose and determine your condition, which will point the way towards our recommended therapy. We will use spinal manipulation techniques, as well as scientifically developed manual adjustments to help relieve your pain and assist and help your body to heal itself naturally.
Chiropractor Thousand Oaks has a full staff to assist you and work with you to achieve your best therapeutic results. We will see that you are comfortable our recommended therapy and will answer any and all of your questions. We are determined that you will be comfortable and at ease with our chiropractors and with your pain reducing therapy.
We believe that when you come to the Advanced Health and Wellness Center it will be your final interview when seeking a chiropractor in Thousand Oaks. Our caring staff is the best at understanding your needs, recommending a therapy of pain elimination and implementing that plan with a minimum of discomfort. Dr. Celaya’s chiropractic recommendations for treatment are based on your specific chiropractic problem(s).
The Advanced Health and Wellness Center is conveniently located on Thousand Oaks Boulevard, behind Roxy’s deli at 1325 E. Thousand Oaks Blvd, Suite104, Thousand Oaks, CA 91360. There is ample parking set aside for Dr. Greg Celaya, patients.
Dr. Greg Celaya and Chiropractic Sports Injury Prevention

Dr. Greg Celaya is an amateur sports cyclist. He understands endurance sports injuries and the importance of a finely tuned body. He is able to help you to develop a personalized program for performance enhancement and endurance. He will also help you to strengthen your body with proper treatments in order to help you maintain and sustain your health, strength and overall sports performance. When you are looking for a doctor that really understands sports and can help you prepare for peak performance, Dr Greg Celaya is available to help you plan and achieve your goals.
Dr. Celeya and Staff are available to help you with all types of nagging Injuries that make your daily life physically hard. Chiropractor Thousand Oaks is there to help you deal with your daily aches and pains, as well as your active life style injuries from recreational activities such as golf, running, baseball. We are here for you to provide help with injury reconditioning, which may be very important to your long term well being and health. We understands what it is to have an active lifestyle and the desire to maintain it in the face of pain.

Musculoskeletal Health

Chiropractor Thousand Oaks wants you to know that Musculoskeletal (mus•cu•lo•skel•e•tal) problems and conditions may have an enormous impact on your health. We want to inform you and highlight some information about Musculoskeletal Please click on this link to read the article on Musculoskeletal Health. If you have questions for Dr. Celaya concerning Musculoskeletal Health or any other problems, please call Advanced Health & Wellness ( 805.371.6144 ), your Chiropractor in Thousand Oaks is Dr. Greg Celaya.

Headache Prevention and Treatment

Chiropractor Thousand Oaks wants to pose to you a question about headaches. Are headaches more common in adults than children? Well the answer is Adults, but did you know that approximately 4 out of 5 children have headaches at some point, but most are benign and self-resolving. The fact is that many adults who suffer from headaches report having their first headache in the childhood years. Dr. Greg Celaya, wants you to know that he has valuable information to share with you at the Advanced Health and Wellness Center and hopes that it is helpful to you for Headache Prevention and Treatment. Chiropractor Thousand Oaks, Greg Celaya, wants to share this valuable information with you and hope that it is helpful to you for Headache Prevention and Treatment

Dr Greg Celaya Chiropractor Thousand Oaks
1325 E. Thousand Oaks Blvd.
Suite 104
Thousand Oaks, CA 91362
805-371-6144

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