Filing Details
- Accession Number:
- 0001493152-20-014254
- Form Type:
- 13D Filing
- Publication Date:
- 2020-07-30 20:28:54
- Filed By:
- 1347 Property Insurance Holdings, Inc.
- Company:
- Fednat Holding Co (NASDAQ:FNHC)
- Filing Date:
- 2020-07-31
- SEC Url:
- 13D Filing
Please notice the below summary table is generated without human intervention and may contain errors. Please refer to the complete filing displayed below for exact figures.
Name | Sole Voting Power | Shared Voting Power | Sole Dispositive Power | Shared Dispositive Power | Aggregate Amount Owned Power | Percent of Class |
---|---|---|---|---|---|---|
1347 Property Insurance Holdings, Inc | 1,617,102 | 156,000 | 1,617,102 | 156,000 | 13.0% | |
Fundamental Global Reinsurance Ltd | 0 | 156,000 | 0 | 156,000 | 1.1% |
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
SCHEDULE 13D
(Rule 13d-101)
INFORMATION
TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(a)
AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(a)
Under the Securities Exchange Act of 1934
(Amendment No. 1)*
FEDNAT HOLDING COMPANY
(Name of Issuer)
Common Stock, par value $0.01 per share
(Title of Class of Securities)
31431B109
(CUSIP Number)
D. Kyle Cerminara
Chairman of 1347 Property Insurance Holdings, Inc.
c/o Fundamental Global Advisors LLC
4201 Congress Street, Suite 140
Charlotte, North Carolina 28209
(704) 323-6851
With a copy to:
Derek D. Bork
Thompson Hine LLP
3900 Key Center
127 Public Square
Cleveland, Ohio 44114
(216) 566-5500
(Name, Address and Telephone Number of Person
Authorized to Receive Notices and Communications)
July 14, 2020
(Date of Event Which Requires Filing of this Statement)
If the filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of §§ 240.13d-1(e), 240.13d-1(f) or 240.13d-1(g), check the following box [ ].
Note:
Schedules filed in paper format shall include a signed original and five copies of the schedule, including all exhibits. See
§240.13d-7 for other parties to whom copies are to be sent.
* The remainder of this cover page shall be filled out for a reporting person’s initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter disclosures provided in a prior cover page.
The information required on the remainder of this cover page shall not be deemed to be “filed” for the purpose of Section 18 of the Securities Exchange Act of 1934 (“Act”) or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).
CUSIP No. 31431B109 | 13D | Page 2 of 11 Pages |
1 | NAME OF REPORTING PERSON 1347 Property Insurance Holdings, Inc. | |
2 | CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP | (a) [ ] (b) [ ] |
3 | SEC USE ONLY | |
4 | SOURCE OF FUNDS N/A | |
5 | CHECK IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEM 2(d) or 2(e) | [ ] |
6 | CITIZENSHIP OR PLACE OF ORGANIZATION Delaware |
NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON WITH | 7 | SOLE VOTING POWER 1,617,102 |
8 | SHARED VOTING POWER 156,000 | |
9 | SOLE DISPOSITIVE POWER 1,617,102 | |
10 | SHARED DISPOSITIVE POWER 156,000 |
11 | AGGREGATE AMOUNT BENEFICIALLY OWNED BY REPORTING PERSON 1,773,102 | |
12 | CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES | [ ] |
13 | PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) 13.0% | |
14 | TYPE OF REPORTING PERSON CO |
CUSIP No. 31431B109 | 13D | Page 3 of 11 Pages |
1 | NAME OF REPORTING PERSON Fundamental Global Reinsurance Ltd. | |
2 | CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP | (a) [ ] (b) [ ] |
3 | SEC USE ONLY | |
4 | SOURCE OF FUNDS N/A | |
5 | CHECK IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEM 2(d) or 2(e) | [ ] |
6 | CITIZENSHIP OR PLACE OF ORGANIZATION Cayman Islands |
NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON WITH | 7 | SOLE VOTING POWER 0 |
8 | SHARED VOTING POWER 156,000 | |
9 | SOLE DISPOSITIVE POWER 0 | |
10 | SHARED DISPOSITIVE POWER 156,000 |
11 | AGGREGATE AMOUNT BENEFICIALLY OWNED BY REPORTING PERSON 156,000 | |
12 | CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES | [ ] |
13 | PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) 1.1% | |
14 | TYPE OF REPORTING PERSON OO |
CUSIP No. 31431B109 | 13D | Page 4 of 11 Pages |
This Amendment No. 1 to Statement of Beneficial Ownership on Schedule 13D (this “Amendment No. 1”) amends the Statement of Beneficial Ownership on Schedule 13D filed by PIH on December 11, 2019, as amended (the “Schedule 13D” or this “Statement”), with respect to the Common Stock, $0.01 par value per share (the “Common Stock”), of FedNat Holding Company, a Florida corporation (the “Company”). Capitalized terms used but not defined in this Amendment No. 1 shall have the meanings set forth in the Schedule 13D. Except as amended and supplemented by this Amendment No. 1, the Schedule 13D remains unchanged.
Item 2. Identity and Background.
This Statement is filed by (i) 1347 Property Insurance Holdings, Inc., a Delaware corporation (“PIH”), and (ii) Fundamental Global Reinsurance Ltd., a Cayman Islands exempted company with limited liability (“FGRe”). PIH and FGRe are sometimes referred to herein as a “Reporting Person” and collectively as the “Reporting Persons.” The Reporting Persons are filing this Statement jointly. Neither the fact of this filing nor anything contained herein shall be deemed to be an admission by either of the Reporting Persons that they constitute a “group.”
PIH’s principal executive offices are located at 970 Lake Carillon Dr., Suite 314, St. Petersburg, Florida 33716. PIH is implementing business plans to operate as a diversified holding company of reinsurance and investment management businesses. Information regarding the identity and background of each executive officer and director of PIH is set forth on Schedule A to this Statement. Each of the individuals identified on Schedule A to this Statement is a U.S. citizen.
The business address of FGRe is 3rd Floor, Willow House, 171 Elgin Ave., P.O. Box 10233, Grand Cayman, KY1-1002, Cayman Islands. The principal business of FGRe is provide specialty property and casualty reinsurance. FGRe is a wholly-owned subsidiary of PIH. Thomas C. Heise serves as FGRe’s Chief Executive Officer, Brian D. Bottjer as its Chief Financial Officer, and John S. Hill and Hassan R. Baqar serve as directors of FGRe.
The principal occupation of Mr. Heise is serving as director and Chief Executive Officer of Insurance Income Strategies Ltd., a Bermuda based reinsurance holding corporation, and as director and Chief Executive Officer of its wholly-owned subsidiary, IIS Re (Cayman), Ltd., a Cayman Islands corporation operating as Class C insurer. The principal occupation of Mr. Bottjer is serving as PIH’s Senior Vice President and Controller. The principal occupation of Mr. Hill is serving as PIH’s Executive Vice President, Chief Financial Officer and Secretary. The principal occupation of Mr. Baqar is serving as founder and Managing Member of Sequoia Financial LLC, a financial services and advisory firm. Mr. Baqar also serves as Chief Financial Officer of Insurance Income Strategies Ltd. and as Chief Financial Officer of its wholly-owned subsidiary, IIS Re (Cayman), Ltd., as well as Chief Financial Officer and director of Itasca Capital Ltd., a publicly-traded investment firm.
The business addresses of Mr. Heise are c/o Insurance Income Strategies Ltd., 48 Par La Ville Road, Suite 1068, Hamilton HM, Bermuda and c/o Fundamental Global Reinsurance Ltd., 3rd Floor, Willow House, 171 Elgin Ave., P.O. Box 10233, Grand Cayman, KY1-1002, Cayman Islands. The business addresses of Messrs. Bottjer and Hill are set forth on Schedule A to this Statement. The business address of Mr. Baqar is 425 Jason Lane, Schaumburg, Illinois 60173.
CUSIP No. 31431B109 | 13D | Page 5 of 11 Pages |
Fundamental Global Investors, LLC, a North Carolina limited liability company, together with its affiliates (collectively, “Fundamental Global”), is the largest stockholder of PIH and, together with Ballantyne Strong, Inc., a Delaware corporation (“BTN”), holds approximately 50.1% of PIH’s outstanding shares of common stock. The principal business of each of Fundamental Global Partners Master Fund, LP, a Cayman Islands exempted limited partnership (“FGPM”), FGI Global Asset Allocation Fund, Ltd., a Cayman Islands exempted company (“FGAA”), FGI Global Asset Allocation Master Fund, LP, a Cayman Islands exempted limited partnership (“FGGM”), Fundamental Activist Fund I, LP, a Delaware limited partnership (“FAFI”), and FGI 1347 Holdings, LP, a Delaware limited partnership (“FGIH”), is serving as a private investment fund. The principal business of Fundamental Global Investors, LLC is to serve as a registered investment advisor. The principal business of FGI International USVI, LLC, a U.S. Virgin Islands limited liability company, is to provide investment advisory services, including to FGAA. The principal business of FGI Funds Management, LLC, a Florida limited liability company, is to provide investment advisory services, including to FGPM, FGGM, FAFI and FGIH. The principal business of CWA Asset Management Group, LLC (doing business as “Capital Wealth Advisors”), a Florida limited liability company (“CWA”), is to provide wealth management, estate planning and family office services to individual investors. Fundamental Global Investors, LLC owns 50% of CWA. BTN is a holding company with diverse business activities focused on serving the entertainment, retail and advertising markets. BTN and its subsidiaries design, integrate and install technology solutions for a broad range of applications; develop and deliver out-of-home messaging, advertising and communications; manufacture projection screens; and provide managed services including monitoring of networked equipment to its customers.
The principal occupation of Mr. Joseph H. Moglia is serving as Chairman of TD Ameritrade, a securities brokerage firm, Chair of Athletics and Executive Advisor to the President for Coastal Carolina University and Chairman and Partner of Fundamental Global Investors, LLC. The principal occupation of Mr. D. Kyle Cerminara is serving as an investment manager, and Mr. Cerminara also serves as the Chairman of the Board of Directors of PIH. In addition, Mr. Cerminara is the Chief Executive Officer, Co-Founder and Partner of Fundamental Global Investors, LLC; Co-Chief Investment Officer and Manager of CWA; and Chairman of the Board of Directors of BTN. The principal occupation of Mr. Lewis M. Johnson is serving as an investment manager, and Mr. Johnson also serves as Co-Chairman of the Board of Directors of PIH. In addition, Mr. Johnson is the President, Co-Founder and Partner of Fundamental Global Investors, LLC; Co-Chief Investment Officer and Manager of CWA; and Co-Chairman of the Board of Directors of BTN. Messrs. Cerminara and Johnson are also the Managers of FGI International USVI, LLC and FGI Funds Management, LLC. Each of Messrs. Moglia, Cerminara and Johnson is a U.S. citizen.
Information regarding the identity and background of each executive officer and director of BTN is set forth on Schedule B to this Statement. Each of the individuals identified on Schedule B to this Statement is a U.S. citizen.
The business address of each of Fundamental Global Investors, LLC and Mr. Moglia is 4201 Congress Street, Suite 140, Charlotte, North Carolina 28209. The business address of each of FGPM, FGAA and FGGM is c/o Maples Corporate Services Limited, P.O. Box 309, Ugland House, Grand Cayman, KY1-1104 Cayman Islands. The business address of FGI International USVI, LLC is One Hibiscus Alley, 5093 Dronningens Gade, Suite 1, St. Thomas, U.S. Virgin Islands 00802. The business address of each of FAFI, FGIH, FGI Funds Management, LLC and CWA is 9130 Galleria Court, Third Floor, Naples, Florida 34109. The business address of BTN is 4201 Congress Street, Suite 175, Charlotte, North Carolina 28209. The business addresses of Messrs. Cerminara and Lewis are set forth on Schedule A and Schedule B to this Statement.
None of the Reporting Persons, Fundamental Global, BTN, any of their partners, managers, officers or other controlling persons or, to the Reporting Persons’ knowledge, any individuals identified on Schedule A or Schedule B to this Statement has, during the last five years, been convicted in a criminal proceeding (excluding traffic violations or similar misdemeanors).
CUSIP No. 31431B109 | 13D | Page 6 of 11 Pages |
None of the Reporting Persons, Fundamental Global, BTN, any of their partners, managers, officers or other controlling persons or, to the Reporting Persons’ knowledge, any individuals identified on Schedule A or Schedule B to this Statement has, during the last five years, been a party to a civil proceeding of a judicial or administrative body of competent jurisdiction and as a result of such proceeding was or is subject to a judgment, decree or final order enjoining future violations of, or prohibiting or mandating activities subject to, federal or state securities laws or finding any violation with respect to such laws.
Item 5. Interest in Securities of the Issuer.
(a) The Reporting Persons beneficially own in the aggregate 1,773,102 shares of Common Stock, which represents approximately 13.0% of the Company’s outstanding shares of Common Stock.
FGRe directly holds the number and percentage of shares of Common Stock disclosed as beneficially owned by it in the applicable table set forth on the cover page to this Statement. PIH directly holds the number and percentage of shares of Common Stock disclosed as solely beneficially owned by it in the applicable table set forth on the cover page to this Statement. PIH may be deemed to beneficially own the shares of Common Stock disclosed as directly owned by FGRe.
None of Fundamental Global, BTN or, to the Reporting Person’s knowledge, any individuals identified on Schedule A or Schedule B to this Statement directly hold any of the shares of Common Stock disclosed in this Statement.
Each percentage ownership of Common Stock set forth in this Statement is based on the 13,673,319 shares of Common Stock reported by the Company as outstanding as of May 1, 2020 in its Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission on May 6, 2020.
(b) FGRe has the shared power to direct the voting and disposition of the shares of Common Stock disclosed as beneficially owned by it in the applicable table set forth on the cover page to this in this Statement. PIH has the sole power to direct the voting and disposition of the shares of Common Stock disclosed as solely beneficially owned by it in the applicable table set forth on the cover page to this Statement. In addition, PIH has the shared power to direct the voting and disposition of the shares of Common Stock held by FGRe.
(c) On July 14, 2020, PIH contributed 156,000 shares of Common Stock to FGRe, its wholly-owned subsidiary, as a capital contribution.
Item 6. Contracts, Arrangements, Understandings or Relationships With Respect to Securities of the Issuer.
Pursuant to Rule 13d-1(k) promulgated under the Securities Exchange Act of 1934, as amended, the Reporting Persons have entered into an agreement with respect to the joint filing of this Amendment No. 1, which agreement is set forth on the signature page to this Statement.
CUSIP No. 31431B109 | 13D | Page 7 of 11 Pages |
SIGNATURE
After reasonable inquiry and to the best of our knowledge and belief, the undersigned certify that the information set forth in this Statement is true, complete and correct.
In accordance with Rule 13d-1(k)(1)(iii) under the Securities Exchange Act of 1934, as amended, the persons named below agree to the joint filing on behalf of each of them of this Statement on Schedule 13D with respect to the Common Stock of the Company.
Dated: July 30, 2020
1347 PROPERTY INSURANCE HOLDINGS, INC. | |
/s/ John S. Hill | |
John S. Hill | |
Executive Vice President, Chief Financial Officer and Secretary |
FUNDAMENTAL GLOBAL REINSURANCE LTD. | |
/s/ Brian D. Bottjer | |
Brian D. Bottjer | |
Chief Financial Officer |
CUSIP No. 31431B109 | 13D | Page 8 of 11 Pages |
Schedule A
Identity and Background of Executive Officers of 1347 Property Insurance Holdings, Inc.
Name | Business Address | Present
Principal Occupation and Name, and Address of any Organization in which such Employment Is Conducted | ||
Larry G. Swets | 970 Lake Carillon Dr., Suite 314 St. Petersburg, Florida 33716 | Interim Chief Executive Officer and Director 1347 Property Insurance Holdings, Inc. 970 Lake Carillon Dr., Suite 314 St. Petersburg, Florida 33716
Chief Executive Officer and Director Itasca Capital Ltd. 1800 - 510 West Georgia Street Vancouver, British Columbia V6B 0M3 Itasca Capital Ltd. is a publicly traded investment firm.
Managing Member Itasca Financial LLC 105 South Maple Street Itasca, Illinois 60143 Itasca Financial LLC is an advisory and investment firm. | ||
John S. Hill | 970 Lake Carillon Dr., Suite 314 St. Petersburg, Florida 33716 | Executive Vice President, Chief Financial Officer and Secretary 1347 Property Insurance Holdings, Inc. 970 Lake Carillon Dr., Suite 314 St. Petersburg, Florida 33716 | ||
Brian D. Bottjer | 970 Lake Carillon Dr., Suite 314 St. Petersburg, Florida 33716 | Senior Vice President and Controller 1347 Property Insurance Holdings, Inc. 970 Lake Carillon Dr., Suite 314 St. Petersburg, Florida 33716 |
Identity and Background of Directors of 1347 Property Insurance Holdings, Inc.
Name | Business Address | Present
Principal Occupation and Name, and Address of any Organization in which such Employment Is Conducted | ||
D. Kyle Cerminara | 4201 Congress Street, Suite 140 Charlotte, North Carolina 28209 | Chief Executive Officer, Co-Founder and Partner Fundamental Global Investors, LLC 4201 Congress Street, Suite 140 Charlotte, North Carolina 28209 | ||
9130 Galleria Court, Third Floor Naples, Florida 34109 | Co-Chief Investment Officer CWA Asset Management Group, LLC 9130 Galleria Court, Third Floor Naples, Florida 34109 | |||
131
Plantation Ridge Drive, Mooresville, NC 28117 | ||||
Lewis M. Johnson | 9130 Galleria Court, Third Floor Naples, Florida 34109 | Co-Chief Investment Officer CWA Asset Management Group, LLC 9130 Galleria Court, Third Floor Naples, Florida 34109 | ||
4201 Congress Street, Suite 140 Charlotte, North Carolina 28209 | President, Co-Founder and Partner Fundamental Global Investors, LLC 4201 Congress Street, Suite 140 Charlotte, North Carolina 28209 | |||
Rita Hayes | 970 Lake Carillon Dr., Suite 314 St. Petersburg, Florida 33716 | Chair Hayes International Advisors, LLC 180 Meeting Street, Suite 330 Charleston, South Carolina 29401 Hayes International Advisors counsels industry and institutional leaders on a range of economic, political and regulatory matters. |
CUSIP No. 31431B109 | 13D | Page 9 of 11 Pages |
Name | Business Address | Present
Principal Occupation and Name, and Address of any Organization in which such Employment Is Conducted | ||
Marsha G. King | 970 Lake Carillon Dr., Suite 314 St. Petersburg, Florida 33716 | President SkillPoint Consulting, LLC 15 Provincetown Lane, Apt. #1 Orchard Park, New York 14127 SkillPoint Consulting consults with executives to improve their overall business and leadership performance. | ||
E. Gray Payne | 970 Lake Carillon Dr., Suite 314 St. Petersburg, Florida 33716 | Director 1347 Property Insurance Holdings, Inc. 970 Lake Carillon Dr., Suite 314 St. Petersburg, Florida 33716 | ||
Larry G. Swets, Jr. | See above. | See above. | ||
Scott D. Wollney | 970 Lake Carillon Dr., Suite 314 St. Petersburg, Florida 33716 | President, Chief Executive Officer and Director Atlas Financial Holdings, Inc. 953 American Lane, 3rd Floor Schaumburg, Illinois 60173 Atlas Financial Holdings, Inc. is a specialty commercial automobile insurance company. | ||
Dennis A. Wong | 970 Lake Carillon Dr., Suite 314 St. Petersburg, Florida 33716 | Owner and Consultant Insurance Resolution Group 37301 N. Fox Hill Drive Wadsworth, Illinois 60083 Insurance Resolution Group is a consulting firm focused on providing strategic advisory and financial consulting to domestic and international companies with insurance or insurance related operations. |
CUSIP No. 31431B109 | 13D | Page 10 of 11 Pages |
Schedule B
Identity and Background of Executive Officers of Ballantyne Strong, Inc.:
Name | Business Address | Present
Principal Occupation and Name, which such Employment Is Conducted | ||
Mark D. Roberson | 4201 Congress Street, Suite 175 Charlotte, North Carolina 28209 | Chief Executive Officer Ballantyne Strong, Inc. 4201 Congress Street, Suite 175 Charlotte, North Carolina 28209 | ||
Todd R. Major | 4201 Congress Street, Suite 175 Charlotte, North Carolina 28209 | Chief Financial Officer Ballantyne Strong, Inc. 4201 Congress Street, Suite 175 Charlotte, North Carolina 28209 | ||
Ray F. Boegner | 4201 Congress Street, Suite 175 Charlotte, North Carolina 28209 | President of Strong Entertainment Ballantyne Strong, Inc. 4201 Congress Street, Suite 175 Charlotte, North Carolina 28209 |
CUSIP No. 31431B109 | 13D | Page 11 of 11 Pages |
Identity and Background of Directors of Ballantyne Strong, Inc.:
Name | Business Address | Present
Principal Occupation and Name, which such Employment Is Conducted | ||
D. Kyle Cerminara | 4201 Congress Street, Suite 140 Charlotte, North Carolina 28209 | Chief Executive Officer, Co-Founder and Partner Fundamental Global Investors, LLC 4201 Congress Street, Suite 140 Charlotte, North Carolina 28209 | ||
9130 Galleria Court, Third Floor Naples, Florida 34109 | Co-Chief Investment Officer CWA Asset Management Group, LLC 9130 Galleria Court, Third Floor Naples, Florida 34109 | |||
131
Plantation Ridge Drive, Mooresville, NC 28117 | ||||
Lewis M. Johnson | c/o CWA Asset Management Group, LLC 9130 Galleria Court, Third Floor Naples, Florida 34109 | Co-Chief Investment Officer CWA Asset Management Group, LLC 9130 Galleria Court, Third Floor Naples, Florida 34109 | ||
c/o Fundamental Global Investors, LLC 4201 Congress Street, Suite 140 Charlotte, North Carolina 28209 | President, Co-Founder and Partner Fundamental Global Investors, LLC 4201 Congress Street, Suite 140 Charlotte, North Carolina 28209 | |||
William J. Gerber | 4201 Congress Street, Suite 175 Charlotte, North Carolina 28209 | Director Ballantyne Strong, Inc. 4201 Congress Street, Suite 175 Charlotte, North Carolina 28209 | ||
Colonel Jack H. Jacobs | 4201 Congress Street, Suite 175 Charlotte, North Carolina 28209 | Professor; Private Investor; Television Analyst; Director Ballantyne Strong, Inc. 4201 Congress Street, Suite 175 Charlotte, North Carolina 28209 | ||
Charles T. Lanktree | 4201 Congress Street, Suite 175 Charlotte, North Carolina 28209 | Chief Executive Officer Eggland’s Best, LLC 70 East Swedesford Road, Suite 150 Malvern, Pennsylvania 19355 Eggland’s Best, LLC is a distributor of nationally branded eggs. | ||
Robert J. Roschman | 4201 Congress Street, Suite 175 Charlotte, North Carolina 28209 | Investor/Self-Employed Roschman Enterprises 6300 NE 1st Avenue, Suite 300 Fort Lauderdale, Florida 33334 Roschman Enterprises is involved in real estate, property management and property development. | ||
Ndamukong Suh | 4201 Congress Street, Suite 175 Charlotte, North Carolina 28209 | Professional Athlete; Independent Private Investor; Director Ballantyne Strong, Inc. 4201 Congress Street, Suite 175 Charlotte, North Carolina 28209 |