Mortgage Banker. NMLS#475652. (540) 595-6433 (540) 239-6460 (540) 595-6427 Email Me. Apply Now Application Checklist. With 33 years of mortgage experience, Pam brings a unique and important perspective to this process. She understands the complexities of purchasing or refinancing a home and uses that information to help clients find the loan ...The Federal Savings Bank is a Federally Chartered bank that specializes in private client business while delivering an extremely high level of service with the most desirable mortgage products and rates available. The Federal Savings Bank specializes in VA, FHA, USDA, Jumbo and Conventional loans for the first-time homebuyers as well as ...NMLS#37141. (646) 568-3628 (917) 796-7568 (646) 668-3944 Email Me. Apply Now Application Checklist. Eli Matyas graduated from Rabbinical College. After graduating, he started his career in the mortgage financing industry, and has been working in the industry ever since. Eli has 25 years of experience in the mortgage industry.Mortgage Banker. NMLS#131104. (614) 810-0264 (440) 488-0878 (614) 964-2936 Email Me. Apply Now Application Checklist. Tracey Cardina has always had a passion for helping others. Once she realized how much she could help people financially, she jumped right into the mortgage and banking industry. Since then, she has gained 20 years of industry ... NMLS#298144. (571) 279-6372 (703) 517-5836 (571) 279-6380 Email Me. Apply Now Application Checklist. Bill Christopher graduated with a BA in finance from Virginia Tech in December of 1983 and then immediately started in the mortgage business. Since that time Bill has helped thousands of customers realize their dream of home ownership. NMLS# 217343 The Federal Savings Bank is a... Javier Garcia - The Federal Savings Bank, Chicago, Illinois. 65 likes · 1 talking about this · 189 were here. NMLS# 217343 The Federal Savings Bank is a member FDIC and Equal Housing Lender.Resolved complaints: 14 (88%) Unresolved complaints: 2 (12%) Our verdict: Expect excellent service from The Federal Savings Bank. While their resolution rate is high, always verify their service terms. Read customer testimonials, both positive and negative, to gauge their service's reliability and responsiveness.Resolved complaints: 14 (88%) Unresolved complaints: 2 (12%) Our verdict: Expect excellent service from The Federal Savings Bank. While their resolution rate is high, always verify their service terms. Read customer testimonials, both positive and negative, to gauge their service's reliability and responsiveness.Smith documented a sharp increase in savings as a percentage of disposable personal income, from 7.2% in December 2019 to a record high of 33.7% in April 2020. From March to April of 2020 alone, the savings rate nearly quadrupled. “That means that for every $100 of disposable income, consumers saved $7 in December,” Smith …Senior Vice President. NMLS#216947. (312) 738-8440 (773) 317-4453 (312) 491-5303 Email Me. Apply Now Application Checklist. Brian M. Kohlstedt graduated from the University of Illinois at Urbana-Champaign in 1997 and has been in the mortgage business for over 20 years. Brian is currently a Senior Vice President with the Federal Savings Bank.This transformative federal investment is matched by the selected projects to leverage more than $20 billion in total to demonstrate commercial …NMLS#1448516. (312) 738-6079 (773) 726-2142 (312) 491-5391 Email Me. Apply Now Application Checklist. Cheyenne Paul developed her passion for helping people through her family. Being able to help other families …Today's best CD rate is 5.80%, available from either The Federal Savings Bank for a 1-year term or Credit Human for a take-your-pick term between 12 and 17 months.Executive Vice President. NMLS#210808. (312) 738-6262 (312) 543-2293 (312) 491-5302 Email Me. Apply Now Application Checklist. Bernie Miller, bank owner and Executive Vice President, has been developing loan officers in Chicago and the Midwest since 2002. He is dedicated to coaching his team, both professionally and personally, to reach their ...NMLS#1448516. (312) 738-6079 (773) 726-2142 (312) 491-5391 Email Me. Apply Now Application Checklist. Cheyenne Paul developed her passion for helping people through her family. Being able to help other families …Making safe and secure online payments. From bills to automatic withdrawals, more people are choosing to pay for utilities and other necessities using online portals. A report by Digital Commerce 360 shows that online sales increased to 19.6% in 2020, as compared to 15.8% in 2019. Security/IT.NMLS#37141. (646) 568-3628 (917) 796-7568 (646) 668-3944 Email Me. Apply Now Application Checklist. Eli Matyas graduated from Rabbinical College. After graduating, he started his career in the mortgage financing industry, and has been working in the industry ever since. Eli has 25 years of experience in the mortgage industry.4120 W Diversey Ave, Ste C501. Chicago, IL 60639. (312) 738-6000. BY APPT ONLY.28 reviews. 1K+. Downloads. Everyone. info. Install. About this app. arrow_forward. Our App is Fast, easy, convenient. • Check your balance on all of your accounts. • View your …NMLS#1448516. (312) 738-6079 (773) 726-2142 (312) 491-5391 Email Me. Apply Now Application Checklist. Cheyenne Paul developed her passion for helping people through her family. Being able to help other families …NMLS#66288. (646) 568-3637 (917) 744-2875 (312) 212-5624 Email Me. Apply Now Application Checklist. David Schwartz has been in the banking industry originating mortgages for more than 20 years. Because of his extensive knowledge of available programs, problem solving skills, and commitment to excellence, David ensures his …The Federal Savings Bank allows Javier to provide his clients and staff a full-service bank with a long history of providing home mortgages to their homeowners and home buyers. As a leading mortgage lender, Javier brings a commonsense approach and high touch customer service model to borrowers across the country. At The Federal Savings Bank ...Credit Cards. Phone number for customer support: 888-999-3304 Choose the Yakima Federal Savings and Loan credit card you want and shop in-store or online, pay bills, travel locally or abroad, and earn rewards every time you use your credit card. Classic Credit Card: Classic Credit Card makes everyday purchases more rewarding with cash back1.The Federal Savings Bank allows Javier to provide his clients and staff a full-service bank with a long history of providing home mortgages to their homeowners and home buyers. As a leading mortgage lender, Javier brings a commonsense approach and high touch customer service model to borrowers across the country. At The Federal Savings Bank ...In a recent surprise move, the Supreme Court of the United States temporarily allowed a Texas immigration law to stand. But just when this article …Stressful/non rewarding place to work. Learning opportunities limited. Accounting management very immature. ... I have worked for 8-9 companies in my 40 years and ...Axos Bank’s business savings account offers 20 fee-free transactions but has a low APY. Read our review to learn more. Banking | Editorial Review REVIEWED BY: Tricia Tetreault Tric...Credit Cards. Phone number for customer support: 888-999-3304 Choose the Yakima Federal Savings and Loan credit card you want and shop in-store or online, pay bills, travel locally or abroad, and earn rewards every time you use your credit card. Classic Credit Card: Classic Credit Card makes everyday purchases more rewarding with cash back1. At The Federal Savings Bank, we have a dedicated Condo/Co-Op Department that specializes in mortgage solutions for these types of homes and working for HOAs to make home purchasing possible for more types of borrowers. If you are looking to buy a condo, you are in the right place. If you are looking for HOA services such as loans and project ... The Federal Savings Bank. Loan Errors. 4120 Diversey Ave Ste C501. Chicago, IL 60639. GET DIRECTIONS. Phone. Dial 877.788.3520 to speak to someone about applying for a home mortgage or reverse mortgage: Click option 2 to speak to someone about applying for a home mortgage or reverse mortgage. Our leadership. We believe that trust, collaboration, and respect help our leadership team to fulfill our vision of inspiring families to achieve their homeownership dreams. We were founded, are owned, and are led by industry experts. Our extensive experience leads to innovative solutions and guides our customers through a smooth homebuying ...The interest that your savings bonds earn is subject to. federal income tax, but not state or local income tax; any federal estate, gift, and excise taxes and any state estate or inheritance taxes; Using the money for higher education may keep you from paying federal income tax on your savings bond interest. See the possibilities and restrictions for using …Making safe and secure online payments. From bills to automatic withdrawals, more people are choosing to pay for utilities and other necessities using online portals. A report by Digital Commerce 360 shows that online sales increased to 19.6% in 2020, as compared to 15.8% in 2019. Security/IT.NMLS#66288. (646) 568-3637 (917) 744-2875 (312) 212-5624 Email Me. Apply Now Application Checklist. David Schwartz has been in the banking industry originating mortgages for more than 20 years. Because of his extensive knowledge of available programs, problem solving skills, and commitment to excellence, David ensures his …NMLS#630135. (623) 888-6129 (480) 248-5212 (602) 715-0045 Email Me. Apply Now Application Checklist. Summer Long comes to The Federal Saving Bank with over 6 years’ experience in the area of residential lending. She has worked for very large banking institutions that allowed her to become very verse in various types of programs and has ...The Federal Savings Bank is a member FDIC and Equal Housing Lender NMLS #173065... Matt Marshall / The Federal Savings Bank, Elkhorn, Nebraska. 179 likes. The Federal Savings Bank is a member FDIC and Equal Housing Lender NMLS #173065 Co NMLS # 411500 1406 Veterans Dr. Ste. 213,...The Federal Bank News: This is the News-site for the company The Federal Bank on Markets Insider Indices Commodities Currencies StocksVice President. NMLS#189403. (240) 312-2398 (301) 606-5757 (240) 312-2399 Email Me. Apply Now Application Checklist. Kevin Mauzy graduated with a degree in business administration with an emphasis in economics and accounting. He began his banking career over 30 years ago and has been personally involved in real estate his entire career.395 North Service Rd., Ste. 407W Melville, NY 11747 (516) 430-5555FERS Information. Congress created the Federal Employees Retirement System (FERS) in 1986, and it became effective on January 1, 1987. Since that time, new Federal civilian employees who have retirement coverage are covered by FERS. FERS is a retirement plan that provides benefits from three different sources: a Basic Benefit Plan, Social ...Personal Banking · Business Banking · Loan Services · Resources · Online Banking · Online Experience · Set up automatic payments · ...The procedure for opening a savings account with the bank through the online mode is as follows: Step 1: Visit the Federal Bank website. Step 2: Under the 'Personal' tab, select 'Savings Accounts' and click on the option. Step 3: Select the type of savings account and click on 'Apply Now'. Step 4: Fill in the online application form.NMLS#66288. (646) 568-3637 (917) 744-2875 (312) 212-5624 Email Me. Apply Now Application Checklist. David Schwartz has been in the banking industry originating mortgages for more than 20 years. Because of his extensive knowledge of available programs, problem solving skills, and commitment to excellence, David ensures his …As days that many people in the U.S. don’t have to go to work, federal holidays are often more popular for the break they provide than the event they celebrate. Starting off at lit...The Federal Savings Bank has two traditional retail branches where customers can withdraw and deposit funds, as well as speak with bankers. Illinois (Branch / Customer Support Center) 4120 W Diversey Ave, Ste C501 Chicago, IL 60639 (312) 738-6000 BY APPT ONLY. IllinoisFSA contributions are deposited pre-tax and deducted from your annual gross income. Here's how it works, and why they might be a savvy tax move. Contributing to a flexible spending...Rob has been serving the lending needs of Peru Federal Savings Bank customers for over 25 years. Rob specializes in home and auto loans. His experience can ...4120 W Diversey Ave, Ste C501. Chicago, IL 60639. (312) 738-6000. BY APPT ONLY.Finding a plan that won’t bust your budget is very doable. Here are some ways to make having a retirement plan affordable. Small businesses need to offer a retirement savings plan ...NMLS#884367. (949) 966-2080 (714) 235-3397 (949) 966-2083 Email Me. Apply Now Application Checklist. Frank Romero is originally from Tustin, California. He stayed in his home state for his education as he attended California State University Fullerton. Throughout his life, Frank has always had a passion for helping others.At The Federal Savings Bank, Manu is excited about building on this success with a strong team of loan partners. Manu Kaur joins The Federal Savings Bank as an experienced and trusted Mortgage Banker. She has helped hundreds of families in the Indianapolis area and now joins The Federal Savings Bank after learning about their wide array of ... The Federal Savings Bank. Loan Errors. 4120 Diversey Ave Ste C501. Chicago, IL 60639. GET DIRECTIONS. Phone. Dial 877.788.3520 to speak to someone about applying for a home mortgage or reverse mortgage: Click option 2 to speak to someone about applying for a home mortgage or reverse mortgage. The assigned Fed RSSD ID of Community Federal Savings Bank is 3040418. Community Federal Savings Bank currently operates with 1 branch located in New York. Community Federal Savings Bank is the 160th largest bank in New York. The bank does not have any offices outside New York. Bank routing number is a 9 digit code …Today's best CD rate is 5.80%, available from either The Federal Savings Bank for a 1-year term or Credit Human for a take-your-pick term between 12 and 17 months.Credit Cards. Phone number for customer support: 888-999-3304 Choose the Yakima Federal Savings and Loan credit card you want and shop in-store or online, pay bills, travel locally or abroad, and earn rewards every time you use your credit card. Classic Credit Card: Classic Credit Card makes everyday purchases more rewarding with cash back1.Tel: +63 2 877 1109. The Ninoy Aquino International Airport is approximately 11 km / 7 miles to the south of the centre of Manila, next to the suburbs of Barangay, … Mortgage Banker. NMLS#2124202. (317) 961-5156 (317) 961-5147 Email Me. Apply Now Application Checklist. Manu is originally from San Jose, CA. After receiving a Bachelor’s in Economics from UC Davis, she earned an MA in business management from the University of Westminster, London. Manu always knew she wanted to work in the real estate field. The Federal Savings Bank, Chicago, Illinois. 3,686 likes · 39 talking about this · 1,116 were here. The Federal Savings Bank is …Vice President. NMLS#1500863. (312) 871-3467 (773) 398-5995 (312) 871-3027 Email Me. Apply Now Aplica Aquí Application Checklist. Jose Giusti started his career in financial services in 1999. He has had many positions in the industry which have equipped him with the knowledge to provide the best experience to his clients.Community Federal Savings Bank. Institution Details. Data as of 03/22/2024. FDIC Insured. Since 07/16/2001. FDIC Cert # 57129. Established. 07/16/2001. Bank Charter Class. Federal Savings Bank. Primary Federal Regulator. Comptroller of the Currency. Main Office Address. 8916 Jamaica Ave. Woodhaven, NY 11421. Primary Website. www.cfsb.com. …The Federal Savings Bank has an overall rating of 3.0 out of 5, based on over 437 reviews left anonymously by employees. 43% of employees would recommend working at The Federal Savings Bank to a friend and 37% have a positive outlook for the business. This rating has decreased by -6% over the last 12 months.NMLS# 217343 The Federal Savings Bank is a... Javier Garcia - The Federal Savings Bank, Chicago, Illinois. 65 likes · 1 talking about this · 189 were here. NMLS# 217343 The Federal Savings Bank is a member FDIC and Equal Housing Lender.Independent Retirement Accounts are tax-deferred retirement savings plans. Under both federal and state laws, IRAs are often protected from creditors. However, these protections a...In the United States, every working person who earns a certain amount of money each year needs to pay income taxes to the federal government. Not everyone pays the same amount, tho...Savings And Loan Crisis - S&L: The Savings and Loan (S&L) Crisis began under the volatile interest rate climate of the 1970s, when vast numbers of depositors removed their money from the S&L ... Moving out of the barracks for the first time? We have you covered – get your VA loan! The Federal Savings Bank offers VA loans to help active military, veterans, and their families achieve the dream of homeownership. As a veteran-owned business, we understand your unique needs, and are ready to help you get what you deserve. CALK, The Federal Savings Bank, and Paul Manafort. STEPHEN M. CALK was the chairman and chief executive officer of The Federal Savings Bank, a federal savings association headquartered in Chicago, Illinois, with an office in New York, New York. The Bank was owned in its entirety by National Bancorp Holdings, a Chicago …A Thrift Savings Plan (TSP) is a retirement program open to most federal employees. TSP participants can contribute pre-tax earnings from their pay and get matching funds from their employers ... Vice President. NMLS#804819. (970) 297-7223 (970) 420-4210 (970) 297-7238 Email Me. Apply Now Application Checklist. Rhonda Croft graduated from Colorado State University with an Equine Science degree. After graduation, she started showing horses professionally as well as worked as a Loan Officer at a local finance company. In the United States, every working person who earns a certain amount of money each year needs to pay income taxes to the federal government. Not everyone pays the same amount, tho...Each business owner or manager must educate themselves on the proper use of federal tax IDs. This information is crucial for compliance with tax laws as well as for employment-rela...Personal Banking · Business Banking · Loan Services · Resources · Online Banking · Online Experience · Set up automatic payments · ... NMLS#631479. (630) 426-1067 (708) 785-6775 (630) 426-1138 Email Me. Apply Now Application Checklist. For over 20 years George has been helping clients in all areas of residential lending, including FHA, VA, Conventional, and Jumbo Loans. With over 90% of his business is by referral he has gained the reputation as a trusted mortgage banker. Delaware is starting to go solar. Our guide outlines the best federal and state solar incentives for Delaware to help you save money. Expert Advice On Improving Your Home Videos La...Quontic Bank, 4.50% savings APY with $100 minimum to open account (read full review), Member FDIC. Salem Five Direct, 5.01% savings APY with no minimum to open account (read full review), Member ...Finding a plan that won’t bust your budget is very doable. Here are some ways to make having a retirement plan affordable. Small businesses need to offer a retirement savings plan ... At The Federal Savings Bank, we have a dedicated Condo/Co-Op Department that specializes in mortgage solutions for these types of homes and working for HOAs to make home purchasing possible for more types of borrowers. If you are looking to buy a condo, you are in the right place. If you are looking for HOA services such as loans and project ... Our leadership. We believe that trust, collaboration, and respect help our leadership team to fulfill our vision of inspiring families to achieve their homeownership dreams. We were founded, are owned, and are led by industry experts. Our extensive experience leads to innovative solutions and guides our customers through a smooth homebuying ...Vice President. NMLS#1552720. (786) 245-6170 (305) 308-6116 (786) 245-6169 Email Me. Apply Now Aplica Aquí Application Checklist. Bryan Landman graduated from the University of Florida with a Bachelor of Science in Finance and a minor in Entrepreneurship in 2008. Pursuing his career in finance, he entered the private banking industry in Miami ...The interest that your savings bonds earn is subject to. federal income tax, but not state or local income tax; any federal estate, gift, and excise taxes and any state estate or inheritance taxes; Using the money for higher education may keep you from paying federal income tax on your savings bond interest. See the possibilities and restrictions for using …The TSP-21-G form is the loan agreement form individuals sign when they borrow against their Thrift Savings Plan accounts, according to the U.S. Government Publishing Office. TSP l... If you are unable to make an online payment, send in a check or money order to our National Loan Production Office in Chicago, using your first payment letter from your closing. The Federal Savings Bank. ATTN: Loan Servicing. 4120 W Diversey Ave STE C501. Chicago, IL 60639-2399. If you are looking to help clients get home loans to help them build, buy, or refinance, check out our careers in Operations at The Federal Savings Bank. Learn more about operations positions. As the only company able to sell mortgages in all 50 states, we offer unlimited opportunities for people looking to advance their career. 0%. 0%. 13%. 87% of customers would recommend this lender. Find reviews and ratings for the-federal-savings-bank. Learn more about this and other mortgage lenders at Bankrate.com.The TSP-21-G form is the loan agreement form individuals sign when they borrow against their Thrift Savings Plan accounts, according to the U.S. Government Publishing Office. TSP l...A once in a lifetime experience was had by our top performers in both sales and operations on our Chairman's Club trip. We met some new friends in…. Liked by Steve Trapp. 💥 Here at TFSB, one ... 11 Broadway, Ste. 1565 New York, NY 10004 (646) 568-3600 The Federal Savings Bank is a bank specializes in home lending. They also provide checking and savings services for individuals and businesses. This company serves downtown Chicago and surrounding ... Mortgage banker. NMLS#2291667. (312) 738-6009 (312) 491-5312 Email Me. Apply Now Application Checklist. Nancy Rapciak grew up in Orland Park, Illinois and attended DePaul University in Chicago for 2 years. She began her career in mortgage lending as a loan officer on a mission to help people achieve their homeownership dreams. In 2024, she ... Current Rate: 2.70%. For EE bonds issued in November 1, 2023 to April 30, 2024. Electronic only – keep them safe in your TreasuryDirect account. Buy for any amount from $25 up to $10,000. Maximum purchase each calendar year: $10,000. Can cash in after 1 year. (But if you cash before 5 years, you lose 3 months of interest.)When federal tax information (FTI) is transferred via the FA-DDX to the FAFSA, it is considered verified, while information not transferred from the IRS (i.e. manually …John has led The Federal Savings Bank since April 2011. John was awarded a full United States Congressional scholarship to attend Indiana University. Upon graduation with a BS in Finance, he was appointed as a second lieutenant and served as an armor platoon leader in the United States Army, until recruited to join GE Capital Corporation. ...
Dec 11, 2023 · The Regulation D Federal Reserve board rule used to limit you to six transactions per month on certain transfers from savings or money market accounts. But the savings account withdrawal limit was ... . Fashion draw
NMLS#784266. (646) 568-3623 (917) 579-0734 (646) 564-9011 Email Me. Apply Now Aplica Aquí Application Checklist. After studying Economics at Hofstra University, Gus obtained a series 7 and series 63 licenses as a financial advisor. After 4 years as a professional money manager, Gus entered the mortgage lending industry to offer his skills of ...NMLS#784266. (646) 568-3623 (917) 579-0734 (646) 564-9011 Email Me. Apply Now Aplica Aquí Application Checklist. After studying Economics at Hofstra University, Gus obtained a series 7 and series 63 licenses as a financial advisor. After 4 years as a professional money manager, Gus entered the mortgage lending industry to offer his skills of ...395 North Service Rd., Ste. 407W Melville, NY 11747 (516) 430-5555Prior to Eric joining The Federal Savings Bank he was a Sr. MLO at Bank of America for nearly 5 years. He stayed during the acquisition of Countrywide Home loans in 2008. Eric met many great friends and colleagues at Bank of America which he is fortunate enough to still work with today. Eric was his divisions #1 producing Loan officer in units and volume funded annually during his …The assigned Fed RSSD ID of Community Federal Savings Bank is 3040418. Community Federal Savings Bank currently operates with 1 branch located in New York. Community Federal Savings Bank is the 160th largest bank in New York. The bank does not have any offices outside New York. Bank routing number is a 9 digit code …Vice President. NMLS#1500863. (312) 871-3467 (773) 398-5995 (312) 871-3027 Email Me. Apply Now Aplica Aquí Application Checklist. Jose Giusti started his career in financial services in 1999. He has had many positions in the industry which have equipped him with the knowledge to provide the best experience to his clients.Feb 7, 2022 · STEPHEN M. CALK was the chairman and chief executive officer of The Federal Savings Bank, a federal savings association headquartered in Chicago, Illinois, with an office in New York, New York. The Bank was owned in its entirety by National Bancorp Holdings, a Chicago-based bank holding company, and CALK was the chairman, chief executive ... Credit Cards. Phone number for customer support: 888-999-3304 Choose the Yakima Federal Savings and Loan credit card you want and shop in-store or online, pay bills, travel locally or abroad, and earn rewards every time you use your credit card. Classic Credit Card: Classic Credit Card makes everyday purchases more rewarding with cash back1.395 North Service Rd., Ste. 407W Melville, NY 11747 (516) 430-5555Showing 1 - 20 of 87 results. A. Paseo - Gil Puyat. BDO Branch with ATM. Address BDO Building, 381 Sen. Gil Puyat Avenue corner Paseo de Roxas, Brgy. Bel-Air, …NMLS#1629864. (573) 347-3563 (573) 347-3578 Email Me. Apply Now Application Checklist. Jessica Edwards graduated from the University of Missouri with a Degree in Business Administration and Marketing. After obtaining her degree, Jessica began her career as a lobbyist for various entities substantiating their needs to the Missouri …The Federal Savings Bank offers VA loans to help active military, veterans, and their families achieve the dream of homeownership. As a veteran-owned business, we understand your unique needs, and are ready to help you get what you deserve. Express Loan Approval Program.NMLS#1629864. (573) 347-3563 (573) 347-3578 Email Me. Apply Now Application Checklist. Jessica Edwards graduated from the University of Missouri with a Degree in Business Administration and Marketing. After obtaining her degree, Jessica began her career as a lobbyist for various entities substantiating their needs to the Missouri …In January 2023, the average national savings account rate was 0.33%, according to the Federal Deposit Insurance Corp. By November 2023, …Delaware is starting to go solar. Our guide outlines the best federal and state solar incentives for Delaware to help you save money. Expert Advice On Improving Your Home Videos La...Mortgage Banker. NMLS#232416. (443) 537-9774 (301) 221-8565 (443) 541-9088 Email Me. Apply Now Application Checklist. Jerriett Brown is a seasoned and highly skilled mortgage banker with over 10 years of experience in mortgage lending and real estate. He grew up in southeastern North Carolina and graduated from North Carolina A&T State ....