Tennessee Case - National Union Fire Insurance of Pittsburgh v. Small Smiles Holding Company Update - September 30, 2010

Case Number 3:10-0743 filed in United States Federal District Court Middle District of Tennessee – Nashville Division

Small Smiles Holding Answer to the Complaint filed by National Union Fire Insurance Company of Pittsburg.  NUFIC is a Subsidiary of disgraced AIG, American International Group.

Judge Joe Brown recused himself; no reason was given.

Order after Judge Brown recused himself, by Judge Juliet Griffin

Small Smiles Corporate Disclosure Statement- It has no parent company and American Capital Strategies, LTD owns more than 10%.  Small Smiles Holding is the parent company of FORBA Holding, LLC.

Joint Case Management Order – This document states an over view of both sides of the case as well as the court's calendar.

 

November 9, 2010 – Deadline for Small Smiles Holding to file a Counterclaim against National Union Fire (AIG)
January 31, 2011 – Deadline for Small Smiles Holding Company to file third-party claims under Federal Rules Of Civil Procedure 13.  Join additional parties under rule 14.  Join additional parties under rule 19 or 20.
January 31, 2011 – Last chance to amend pleadings under Rule 15.

Discovery Schedule:

October 15, 2010– AIG's National Union Fire Insurance Company of Pittsburgh and Small Smiles Holding Company to make initial disclosures of their respective evidence.
February 18, 2011 - Discovery related to motions, except those dealing with "experts"
March 18, 2011 - All Fact Discovery and Discovery related motions are to be completed, except those related to experts. AIG's National Union Fire Insurance Company of Pittsburgh and Small Smiles Holding Company may each serve 50 Interrogatories, which includes all subparts questions.  If they need more, they mutually must agree.
March 30, 2011 – Deadline to ask the court for a Settlement Conference if they decide on an attempt at a settlement in the case (and the FORBA bunch usually settle or dismiss.
April 15, 2011 - AIG's National Union Fire Insurance Company of Pittsburgh  must disclose their expert witnesses and any reports from the experts.
May 16, 2011 – Small Smiles Holding Company has to disclose their expert witnesses and reports from those expert witnesses.
June 30,2011- Depositions of the "experts" must be completed.
July 29, 2011 – Deadline for Motions/Objections to be filed by either party in relation to the depositions taken and the opposing party has 45 days to respond to any Motions/Objections.  Parties have the option to file briefs within 29 days of any response.

Monthly case management conferences are scheduled to address issues National Union Fire Insurance (AIG) and Small Smiles Holding Company are unable to resolve among themselves.

January 9, 2012 – Deadline for parties to file objections to expert testimony and motions in limine.

Trial by Jury Date Set for January 31, 2012 by Judge Todd Campbell; it is slated to last 10-14 days.

 

For Reference – Federal Rules of Civil Procedure (Fed. R. Civ. P.)

Access West Dental, Asheville, NC-Dr. Letitia (Tish) Ballance

I don't know how old or new this ad is but here is an ad for a job listed at ncdental.org for a new graduate dentist and dental assistants and more.

Access West Dental-Asheville, NC-Dr. Tish Ballance, DDS.

Does Letitia (Tish) have her hand in the cookie jar again and looking to physically and mentally abuse more children in North Carolina? If so, as it appears, who is she in bed with this time. I would think she would want to be more than transparent in her new ventures.

I found an article written back a few years, November 2004 I think, talking about how Tish Ballance had been raised in North Carolina, and instead of going into a normal practice as a dentist she wanted to help the poor children in North Carolina by opening her heart and dedicating her life to helping those children of North Carolina, yeah right, Tish. Sounded good at the time didn't it.

From what I can gather it's scheduled to open in July 2008. Interviews were scheduled for these positions on Saturday 4/12/o8 at the Marriott Residence Inn on Biltmore Avenue, according to career builder website.

Now I'm not that educated as most can tell from the half hazard way this site is thrown together but if I had just gotten named and fined with a cohort, Michael DeRose, 10 million dollars, 10 MILLION DOLLARS I don't know that I would still be out trying to do the same thing again with in 2 days! Then again, maybe I'm just a quick study and some people just aren't.

As you can read from the ad, once again it's a newly formed "group", wonder exactly who is involved in the "group".

Is it just me that finds this just amazingly stupid! Change names, change locations, rinse and repeat!

Honestly those with a sense of humor, you gotta just love this one!

ACCESS WEST DENTAL (Asheville, NC) - Great opportunity to live, work, and play in the beautiful mountains of western North Carolina in the progressive Asheville area, earn a great salary with no administration responsibilities, and to dedicate your skills to making a real difference! Join Access West Dental opening soon in Asheville, North Carolina. The newly formed Access West Dental is a private group general dental practice that will concentrate on providing much needed access to quality dental care for the under served children and young adults of western North Carolina. The new state of the art 10,000 sq foot office is presently under construction in west Asheville and will boast a beautiful professionally designed spacious interior, 8 chair fully computerized open hygiene bay, digital radiography throughout with intra-oral cameras, and 10 fully computerized ops to also support the “paperless” office model. In addition, there will be a central sterilization area, 4 private consultation rooms for discreet and informed doctor/patient communications, and a full complement of trained support staff that will consist of 4-5 RDHs, 10 DAs, 5 front desk staff (2 bilingual), plus and office manager and a director of operations. The practice will be open Monday -Thursday, closed a full day on Friday and offers a very competitive guaranteed salary and full benefits package for only a four day work week. New graduates encouraged to apply! Please contact Dr. Tish Ballance at 828-665-4410 or accesswest@gmail.com for more information on this practice opportunity.

Smiles Starters North Carolina Still Delivering Overtreatment to the Underserved via Elysa Bailey de Morias, DDS

Thousands of complaints made on Internet "message" and "review" boards.

Hundreds of legitimate complaints filed. 

At least 8 lawsuits.

Ten Million dollars ($10M) in restitution to the government for fraud. 

Under observation since 2003. 

Under my watchful eye since 2007.

Name changes of the facilities.

North Carolina State Board of Dental Examiners spending hundreds of hours reviewing complaints on former owners, current owners, past employees, current employees. 

Warning after warning issued, Consent Orders for Disciplinary Actions passed out like programs at a school play.

Surprise inspections from state and federal agencies.

It is almost October 2010 and we still we have Elysa Bailey de Morias, DDS.

Elysa may well be a very nice person, there are a lot of people who are stupid and/or crooks. 

 Here is the Compliant and Consent Order for Dr. DeMorias

Highlights

Practicing at Smiles Starters in Greensboro, North Carolina

A three year old girl was seen by Dr. Elysa on November 3, 2008, we will call the child HW.

Dr. Elysa “was unable to conduct an adequate visual clinical exam or take sufficient radiographs to support her treatment plan.

Dr. Elysa decided to develop a treatment plan anyway that consisted of restoration of 6 of HW’s teeth, “with possible stainless steel crowns on three of her teeth.”

Dr. Elysa placed “watches” on six of HW’s other teeth. That should be about all the three year old had in her mouth. Looks like Dr. Elysa was going to get at least ½ of them.

HW’s mother felt this was not right and took her child to a second dentist the very same month.

The second dentist wasn’t able to perform a through examination on HW.

In June 2009, 7 months later, HW’s mom took her to the second opinion dentist again who then was able to perform a full and comprehensive assessment.

All the second dentist found, 7 months after Elysa de Morias of Smile Starters saw this child, was a discoloration on tooth A and a minor fracture in the enamel of tooth N. He found NO decay on ANY of the teeth Dr. Elysa de Morias has supposedly found 7 months earlier.

In November 2009, more than a year after Dr. Elysa de Morias wanted to drill away and put stainless steel crowns on 6 of HW’s teeth, HW was seen by yet a third dentist. Dentist three found the very beginning decay on tooth A which he felt probably was not there a year earlier when Dr. Elysa laid claim to a mouth full of restoration needed, but found no other tooth problems what so ever.

All the Board nailed Dr. Elysa for was “violating the standard of care for dentists licensed to practice dentistry in North Carolina by proposing a definitive treatment plan without having conducted an adequate clinical examination and sufficient radiographs.”

Dr. Elysa de Morias agreed that there was sufficient evidence against her, but did not admit any wrong doing but decided not to oppose the allegations and agreed to whatever the Board decided to hand out as punishment.

Elysa Bailey de Morias, DDS has her dental license suspended for 30 days. For the next 2 years she must:

Not do that anymore

Not direct her employees to do that anymore

Allow random inspections and interviews

Complete continuing education designed especially for her at the North Carolina School of Dentistry

Reimburse the board $650.00 for their time and trouble.

Have her name reported to the National Practitioner Data Bank (which is no big deal these days).  Former owner and rumored to be current financier, Dr. Michael DeRose was put on that list many years ago and kept his licenses until 2009!  As did his partner in crime, Dr. Tish Ballance-she is still practicing.

Dr. Elysa Bailey de Morias has been in operation in North Carolina since September 2007!  Imagine the number of underserved she has overserved.

The Possibilities

I'm sure I've missed some billing codes and this isn't exact, but it sure is close.

North Carolina Reimbursement rates:

D0150 – Comp oral evaluation - $44.61
D1120 Prophylaxis (aka cleaning)- $27.21
D0210 Intraoral-complete series w/bitewings $71.79
D1203 Fluoride $16.04
D3220 Therapeutic pulpotomy - $81.09
D3220 Therapeutic pulpotomy - $81.09
D3220 Therapeutic pulpotomy - $81.09
D3220 Therapeutic pulpotomy - $81.09
D3220 Therapeutic pulpotomy - $81.09
D3220 Therapeutic pulpotomy - $81.09
D2950 Core Buildup, including pins $98.25
D2950 Core Buildup, including pins $98.25
D2950 Core Buildup, including pins $98.25
D2950 Core Buildup, including pins $98.25
D2950 Core Buildup, including pins $98.25
D2950 Core Buildup, including pins $98.25
D2950 Core Buildup, including pins $98.25
D2930 Prefab stainless steel crowns –primary tooth $144.28
D2930 Prefab stainless steel crowns –primary tooth $144.28
D2930 Prefab stainless steel crowns –primary tooth $144.28
D2930 Prefab stainless steel crowns –primary tooth $144.28
D2930 Prefab stainless steel crowns –primary tooth $144.28
D2930 Prefab stainless steel crowns –primary tooth $144.28
D2940 Sedative filling $39.77
D2940 Sedative filling $39.77
D2940 Sedative filling $39.77
D2940 Sedative filling $39.77
D2940 Sedative filling $39.77
D2940 Sedative filling $39.77

Total - $2339.99

If the procedures was upcoded to the D3230/D3240 it would be an additional $50 per tooth totaling just over $2600.00.

It's not uncommon to upcode the pulpotomies (D3220) to pulpal therapy (D3230/D3240).

D3220 - Pulpotomies are performed on vital teeth, while pulpal therapy (D3230/D3240) is performed on necrotic primary teeth, with resorbable medicament placed down the canals.

Conclusion

The only conclusion I can come to is Dr. Elysa de Morias  unnecessarily tortures and mutilates children, defrauds the medicaid system and got caught this one time. 

However, all that happened was a slap on the greedy little hand and back to work. 

Nothing was mentioned about the full extent of her attempts, just the actions; “violating the standard of care for dentists licensed to practice dentistry in North Carolina by proposing a definitive treatment plan without having conducted an adequate clinical examination and sufficient radiographs.

Questions

As with all of these cases, we have to ask what caused a person who spent thousands of dollars for her education to attempt not only fraud, but needless suffering of a 3 year old child, and to do it as casually as taking her next breath.

How many patients does she see in a week, a month, that she tries and succeeds in this exact scam?

Why are dentist caught doing this not prosecuted?  Doing an investigation, slapping a seeming large fine on them, but letting them keep right on is doing nothing to stop it.  So I have to assume the powers that be support.

Why do support staff not report this? 

Does it make those in the office who turn their head just as guilty?

It is a Pulpotomy NOT Baby Root Canal

FYI

This term gets thrown around a lot in connection with Small Smiles and the other dental mills, but it's not correct.  It is not what they are doing to the children.

It is really a Pulpotomy!  In short the deciduous (primary/baby) tooth is drilled out, the pulp removed, leaving a chamber.  The tissue within the canals of the baby tooth that was connected to the pulp in allowed to remain.

The chamber is then filled with "resorbable" material.  As the succedaneous (Permanent) tooth behind erupts and pushes out the primary tooth.  The pressure caused by the eruption causes cells to eat up the primary tooth roots, it loosens and falls out.  The roots of the baby teeth pretty much dissolve, and are absorbed into the body.   Remember the tooth you left for the tooth fairy, they didn't have roots.

Without getting into the pro's and con's of various materials poured into the chamber most include zinc oxide and eugenol (clove oil), iodoform paste, and calcium hydroxide.

So when you go looking for root canal on your medical records, you won't find it.  Look for pulpotomy, pulpotomy therapy, or code D3220, D3230 and D3240.

Speaking of the coding, the ADA standard billing codes are used.

In Texas code D3220 will earn a dentist $87.96

In North Carolina D3220 will earn a dentist $81.09

In Kentucky it will get the dentist $67.60

In Alabama only $49.00

Looking at the reimbursement fees, I would think being paid by FORBA on a production/billing basis is going to vary widely.   Dentists will be fighting over what state they get, won't they.

New Kool Smiles TV Ad – Don't Fall For It

Just caught the new Kool Smiles ad.  It's lovely, and you know I'm puking and gagging.

Apparently since Kool Smiles is involved in multiple lawsuits for abusing children, and they are trying to unload this company to some Private Equity firms, they have decided to put out updated propaganda.

The two little happy face o's jump out of the Kool Smiles logo and take you one a whirl-a-way adventure through a Kool Smiles clinic.

"Fun way to keep your family's teeth healthy"

"Our office is built for the whole family, especially kids." as children slide down an indoor slide and climb all over a play yard.

"Plus, everyone is friendly, not just us. (speaking of themselves, those jolly little o's) If you want mommy can come back with you or watch through a window," showing the tiny port hole only allowing direct sight of children in they hygiene area. 

Do you want strangers gawking at you through a window while you get your medical treatment done?  Hell NO!

"We see everyone in the family, even kids as young as one," they boast. 

Yes, those one year olds where they drill and cap all 8 teeth they have just in case they might get some decay between 1 and 6.  Prevention you know.

"If you want quality dental care, in a clean, safe and fun environment, come to Kool Smiles."

It's just an ad folks, still stay far far away.

Dental Licenses Expired, No Problem!

Last week I shot off an email to a state dental board bringing to their attention and looking to filing a complaint about a dental facility whose licenses had expired over 2 years ago.  The facility has been in operation for years.  Its doors have never closed, and they are treating patients as I write this post.

Here is the response I got:

"You are correct in that the facility license has expired and we therefore do not have jurisdiction over this facility.

 

Can you believe it.  If the state dental board does not have jurisdiction after a licenses expires then WHO THE HELL DOES! (I'm not just yelling, I'm screaming!!!!)

So if a dentists license expires, and he/she continues to practice dentistry, no worries in this particular state.  You're good to go!

What a screwed up mess! 

Yes, ladies and gentlemen, the state dental boards are there to protect you!  As is evident in the letter I mailed (snail mail) to the Kentucky Dental Board in April and have not heard one word, not had one question answered!  Kentucky state legislators don't give a shit either, I didn't get a response from any of them either.

Yet these lawmakers will sure show up to a grand opening for a photo opt at a dental mill who abuses children won't they?  This happened just months ago in Louisville, KY and in less then two months complaints were coming in, and law suits have been filed. 

Where are those lawmakers now?  Hiding, that's where!

Open Letter To Kentucky Dental Board

Small Smiles DC #2 Opening Soon?

New Small Smiles opening soon in DC?

Small Smiles Still Abusing Children - Corporate Integrity Agreement A Failure

FORBA's Small Smiles Dental Clinics in Oklahoma is looking for 'associate' dentists for its Oklahoma Smiles clinic located in North Oklahoma City while under the cloud of a class action suit recently filed alleging more child abuse and assault on children in these clinics.

As usual the ad talks about working in, and I quote:

"our rewarding work environment!".

About the only thing "rewarding" thing you will likely get in working at any of these clinics seems to be the extremely high risk of a malpractice lawsuit that can and will haunt you for years to come!  Make sure you get "tail" insurance!  In fact, I would demand it!  Legal fees alone could bring you to bankruptcy. I think I would also want "Claims Based" insurance and not "Occurrence Based".  Again, because of claims that could arise way into the future. 

In some states children have many years to file suit for injuries that occurred when they were small.  What if you treated a four year old who lives in a state where he/she can file an injury claim until they are 20, that is 16 years you have to worry about keeping your "tail" covered.  Is a job at FORBA and its Small Smiles clinics worth it.  This is true for Kool Smiles and other dentists "over" serving children for a dollar.

I would not be surprised, after all the claims being filed by former Small Smiles patients, to find malpractice insurance premiums skyrocket for dentist and/or other staff who had previously worked for FORBA's Small Smiles clinics or other dental mills.

"We offer excellent earning potential based on collections with a guaranteed minimum income"

" We also offer a benefits package that is hard to beat (including 401(k) retirement with company match and 100% coverage for health insurance, malpractice insurance, disability insurance, continuing education, dues and fees). Relocation reimbursement offered and licensing assistance provided."

Please contact Jacob at:

Direct Phone: 719-562-4460

Email: jdkochenberger@forba.com

Fax: 719-584-7697

If I were to work for these scumbags, which I would NEVER do if I planned on any type of good reputation carrying through in my career I would pay close attention to the bold terms highlighted above.

I would also worry about the stringent contract presented to me and have my own attorney look it over before signing, as you should for any contract!  Contract always favor the presenter of the contract, i.e. FORBA.

I would also worry about the Corporate Integrity Agreement this company has signed with the Federal Government.  I was told that FORBA requested its employees to also sign this thing.   Do you honestly think, FORBA will protect you?  

Presently they are having problems with Insurance coverage, themselves.  Not sure how they  feel they can offer up something in which they may not have access. 

Here is a comment I recently received on the matter when FORBA approached them to renew their contract under the new "collections" based salary :

As a dentist who just ended their contract with Forba recently, I would agree with you on many points here.  The worst part about the 'percentage' contract is how low it is.

For example, any private practice employer would pay between 25-30% of collections.  I received a printout of the breakdown for the percentage from Forba even though I only had a few weeks left on my contract and I was only a part time hourly doctor. 

Needless to say, the amount of treatment that needs to be conducted in order for a doctor to meet their minimum salary based on the old contract, is about $3000 a day collections (including personal, ancillary, and clinic contributions to overall collections). 

Under my contract with another private practice, I would only need to collect $2000 a day.  What this means is that a doctor would have to collect 1.5x as much as I would to make the same amount of money, and that doesn't include the salary lost with PTO, vacation, and paid holidays. 

This also means that doctors may be more inclined to 'find' cavities than they were when they were on a set salary and could concentrate more on proper treatment and behavior management;  now it means that a doctor might be quicker to use a papoose or more aggressive with treatment planning than with the prior contract, just to make the same amount of money.

 As recently as August 9, 2010 there are reports of tying up children to overtreat!

Hello, my name is William and it is my belief that the Small Smiles dentistry clinic in Dothan Alabama abused my four year old daughter.

She went in for a "small" filling and was tied to a board, blindfolded with a rag and given two root canals and crowns in under twenty minutes.

This was three weeks ago on the 9th of August.

It wasn't until after a couple of days of ranting and raving before I discovered that I wasn't alone. I came across the 20/20 news report and SNAPPED I could not believe that not even a year after a federal suit they are still treating babies the same way.

I never would have taken my babies there had I known that they are the McDonald of dentistry. We trusted the recommendation of our local school system.
I have since learned of several other families who have treated the same way.

Thank you for your concern
William
smallsmilesabuse.com

On a side note here, the creeps running FORBA sure want to take our tax dollars and live like 'kings' but they sure get bent out of shape when you start naming names, don't they?  

Universal Health Services- $210 million for Keys Group/Keystone Education and Youth Services

Universal Health Services 2005 Annual Report
page 89
paragraph 10.27:
Ownership Interest Purchase Agreement, dated as of October 3, 2005, among Harbinger Private Equity Fund I,L.L.C., Keystone Group Kids, Inc., Michael Lindley, Marty Weber, Ameris Healthcare Investments, LLC, Rainer Twiford, Al Smith, Mike White, Rodney Cawood, Buddy Turner, Jeff Cross, Gail Debiec, Brad Gardner, Brad Williams, Don Wert,Rob Minor, Mike McCulla, Jim Shaheen, Rob Gaeta, and Universal Health Services, Inc., previously filed as Exhibit 10.1 to Registrant’s Current Report on Form 8-K, dated October 11, 2005, is incorporated herein by reference.
UHS and Keystone purchase agreement
With this one acquisition,UHS Behavioral Health nearly doubled in size, adding a total of 46 Keystone facilities in ten states – including 21residential treatment
facilities with 1,280 beds,21 non-public therapeutic day schools, and four detention facilities.

The acquisition is expected to generate approximately $165 million of annual revenue. Just as important, it offers UHS exciting opportunities for entirely new behavioral care disciplines.

Keystone’s residential facilities and day schools have earned a national reputation for treating “at risk” young people with autism and other behavioral needs.  .

These young people face serious problems, including disruptive or aggressive behavior, failing grades, addictions, and severe depression.
Generally, their families and schools have tried to help, but lack the resources and expertise needed to achieve breakthrough results.

Accepting even the kids that no one else will take, Keystone offers structure, teaching, discipline, and love – in a safe and supportive environment.  Keystone provides each child with a service advocate, who represents the child’s best interests during every phase of the treatment process. The advocate works to find a program that will help the child. And, he or she serves as a liaison between the facility, the child’s family, and the referral source to ensure the highest
standards of quality care.

Commenting on the Keystone acquisition, Debra K. Osteen, President of UHS’s Behavioral Health division, stated, “The facilities we are acquiring provide an opportunity to expand our residential treatment facilities,
which have been a solid performer for the division.

“In addition,” Ms. Osteen said, “the acquisition enables us to enter a new business in non-public therapeutic day schools.  We believe there is a need
for this service and hope to expand the current operations and grow in other areas of the country.”

While Keystone was the biggest development of 2005, it was not the only
acquisition made by our dynamic Behavioral Health division.
Structure:
Keys Group Holding,LLC
Children’s Comprehensive Services, Inc
       Keystone/CCS Partners, LLC – 85% owned by Keys Group Holding,LLC and  15% owned by Children’s Comprehensive Services, Inc.
         Kids First Foundation – non-profit
Keystone Nevada, LLC
Keystone Memphis, LLC
Keystone Education Transportation, LLC
Elmira NPS, LLC
Alicante School Elk Grove, LLC
Keystone Savannah, LLC
Keystone Newport News, LLC
Keystone Marion, LLC
Keystone WSNC, L.L.C.
Keystone Oklahoma City, LLC
CCS/Altacare of Arkansas, Inc.
Chad Youth Enhancement Center, Inc.
CCS/Bay County, Inc.
CCS/Meadow Pines, Inc.
Ventures Healthcare of Gainesville, Inc.
CCS/Little Rock, Inc.
CCS/Rivendell of Kentucky, Inc.
CCS/Lansing, Inc.
Associated Child Care Educational Services, Inc.
American Clinical Schools, Inc.
Alabama Clinical Schools, Inc.
Pennsylvania Clinical Schools, Inc.
Tennessee Clinical Schools, Inc.
Keystone NPS, LLC
Keystone Continuum, LLC
Keystone Detention, LLC
Keystone Richland Center, LLC
Keystone DJJ, LLC
Keystone Charlotte, LLC
Keystone JJAEP, LLC

Facilities
Alabama Clinical Schools  AL
Tennessee Valley Juvenile Detention Center AL
Tuscaloosa Juvenile Detention Center AL
Bristol Youth Academy FL
Jacksonville Youth Center FL
The H.O.P.E. Program FL
Nueces County Juvenile Justice TX
Cedar Grove TN
Chad Youth Enhancement Center TN
Cherokee Park Youth Center TN
Compass Intervention Center TN
Hermitage Hall TN
McDowell Center for Children TN
Natchez Trace Youth Academy TN
Upper East Tennessee TN
Old Vineyard Youth Services NC
The Keys of the Carolinas NC
Keystone Newport News Youth Center VA
Marion Youth Center VA
Pennsylvania Clinical Schools PA
Children’s Comprehensive Services of Ohio OH
Turning Point Youth Center MI
Highlander Children’s Services CA
Keystone Carmichael CA
Keystone Desert Hot Springs CA
Keystone Elmira CA
Keystone Grand Terrace CA
Keystone Hemet CA
Keystone Highlander CA
Keystone Laguna CA
Keystone Mar Vista CA
Keystone Ramona CA
Keystone Rancho Cucamonga CA
Keystone Riverside CA
Keystone Steele Canyon CA
Keystone Vallejo CA
Keystone Van Nuys CA
Keystone Victorville CA
Keystone Ventura CA
 
CIT Capital Securities,LLC received $300,000 at closing
Waller Lansden received it’s fees