If you're an entrepreneur, you know that protecting your intellectual property should be high on your list when it comes to safeguarding your company. However, as a successful business owner, you also know the steps and costs of filing a trademark in the U.S. can be expensive and arduous.
This conundrum can be even more overwhelming for new business owners who want to do everything possible to minimize the price of securing trademarks. They try to handle complicated tasks like trademark registration on their own, which can be a big mistake - especially when juggling the day-to-day tasks of running a business. You may be thinking, "But what about those set-it-and-forget-it services you can find online? All you have to do is plug in your info, and you're done." Using pre-made templates for trademark filing can be tempting, but doing so can leave you with inadequate protection and hurt you in the long run.
So, what is the easiest, most cost-effective route to consider that also minimizes legal risk? The truth is, before you spend money on an online filing service, it's best to consult with a trademark attorney working with clients in Raleigh, NC.
At Sausser Summers, PC, our experienced trademark attorneys can help you understand the trademark process step by step. We can even help with U.S. trademark filing, U.S. trademark responses, and U.S. trademark renewals at a price you can actually afford. That way, you can make an informed decision regarding your business without having to break the bank.
Hiring an attorney can be a daunting task, but at Sausser Summers, PC, our goal is to make the process as simple and seamless as possible for you. That's why we offer a straightforward checkout service. First, you choose your flat fee trademark service and fill out a short questionnaire. Then, we will contact you within 24 hours to discuss the details of our service. From there, one of our experienced trademark attorneys will get to work on your behalf.
Using a trademark attorney for filing in Raleigh, NC, can significantly increase your chances of a successful registration. The U.S. government recommends hiring a trademark attorney to help with your application, and our team of trademark lawyers is dedicated to meeting your needs. In fact, we help ensure your application is filed correctly the first time so you can get on with your life and avoid legal risks.
At Sausser Summers, PC, we work closely with our clients to understand their needs and provide them with sound professional advice. We never offer incomplete services, such as simply filing for registration, because that would leave you open to legal risks. You can rely on us to handle your intellectual property matters, and our flat fee services can help protect your business in a simple, straightforward, and affordable way. It's really that simple.
In terms of filing a U.S. trademark, we provide an easy three-step process to protect your intellectual property:
1. You provide your trademark info to our team via an online form.
2. Our team performs a comprehensive trademark search. This search ensures that no other marks will prevent you from registering your trademark in the U.S. Once performed, we'll send you a legal opinion letter that details our findings.
3. Sausser Summers, PC, files your U.S. trademark application. We are then listed as your Attorney of Record on file. From there, we'll provide ongoing updates regarding the status of your trademark as it works through the registration process.
The bottom line? At Sausser Summers, PC, we give both new and seasoned business owners an easy, efficient, cost-effective way to protect the one asset that sets them apart from others: their name.
At Sausser Summers, PC, we give both new and seasoned business owners an easy, efficient, cost-effective way to protect the one asset that sets them apart from others: their name.
It's not necessary to be a lawyer in order to apply for a trademark. Anyone can submit a trademark application to the U.S. Patent and Trademark Office (USPTO). However, registering a trademark involves more than just filling out a form. It's essential to conduct thorough research, accurately identify and clearly explain your trademark to ensure it receives adequate protection. And even after securing a trademark, you've got to monitor it consistently to make sure it's free from infringement.
The big takeaway here is that it's always a good idea to work with a trademark attorney to protect the intellectual property that you've worked so hard to establish. According to the Wall Street Journal, applicants are approximately 50% more likely to secure their trademark than people who file applications on their own. If your trademark application is rejected by the USPTO, you will need to revise and refile it, incurring additional filing fees. To avoid delays and extra costs, it is best to have a trademark lawyer help you get it right the first time.
Great trademark attorneys (like those you'll find at Sausser Summers, PC) will help with every step of filing and enforcing your trademark. Some additional benefits include the following:
Check to see if your proposed trademark is registered by another entity.
Conduct research to see if another business is using the trademark for which you're applying.
Provide advice and guidance on the strength of your trademark.
Draft and submit your trademark applications and application revisions.
Advice and guidance regarding trademark maintenance and protection.
Monitor the market for unauthorized use of your trademark.
Trademark enforcement to protect you against infringement.
Curious whether our trademark attorney services are right for you and your business? Contact Sausser Summer, PC, today. Let's talk about what you need, and how we can help.
Online services, can provide you with basic assistance in filing your trademark. However, they will never be a legitimate substitute for an experienced trademark attorney helping clients in Raleigh, NC.
Although online filing services offer a step-by-step process, they take a one-size-fits-all approach to preparing legal documents. Even their advanced service only provides basic attorney assistance in completing your paperwork and helping with minor roadblocks. Online filing services' disclaimer highlights the many limitations of its services, including the fact that communications are not protected by attorney-client privilege. In addition, online filing services cannot provide advice, explanations, opinions, recommendations, or any kind of legal guidance on possible legal rights, remedies, defenses, options, selection of forms or strategies.
In other words, online filing services can offer you the necessary forms and point you in the right direction, but they cannot customize their services to your specific needs or help you with serious complications that may arise.
For the most comprehensive trademark service and protection, it's always wise to work with highly rated trademark lawyers, like you'll find at Sausser Summers, PC.
Trademarks in the U.S. can last indefinitely, but did you know that clients in Raleigh, NC can file a trademark online, only to lose protection in some circumstances? Trademarks differ from patents and copyrights in that they do not have an expiration date. However, to prevent the cancellation of a trademark, you must maintain it. To ensure that your trademark remains protected, you must actively use it in commerce and renew it with the USPTO every ten years.
The Lanham Act tells us that "use in commerce" is the legitimate use of a trademark in the ordinary course of trade. In other words, you cannot register a trademark solely to reserve the rights to it in the future. In most cases, a trademark must be used continuously in connection with the goods or services it is registered for.
Trademarks are registered with the USPTO and generally need to be renewed every ten years. However, there is one crucial exception that you should be aware of. Within the first ten years of owning a trademark, you must file for renewal between the fifth and sixth year from the date of your initial registration.
During this renewal period, you are required to submit a Section 8 declaration, a specimen that shows how the mark is being used, and pay the required fee. You can also apply for Section 15 Incontestability status, which can strengthen your trademark rights. This application, although not mandatory, can make it harder for others to challenge your ownership of the mark.
After the first renewal, which falls between the fifth and sixth year of ownership, the next renewal filing is due between the ninth and tenth year, and then every tenth year thereafter. In the ninth year you will need to file a Section 8 declaration, attesting to your use of the mark or excusable nonuse. You've also got to file a Section 9 renewal application before the end of the tenth year to keep your registration active.
It is worth noting that the USPTO provides a six-month grace period if you fail to renew your mark within the required time frame, but it is best not to rely on it. If you don't file within the grace period time limits, the USPTO will cancel and expire your mark.
By hiring trademark attorneys helping clients in Raleigh, NC, you can avoid the pitfalls and mistakes that can arise and cause you to lose your rights to the mark that represents it.
In the event that you stop using your trademark and have no plans to resume using it in commerce, it may be considered abandoned by the USPTO. This could result in the loss of your protective rights to the mark. Typically, a trademark is assumed to be abandoned if it has not been used for three years. However, you may be able to refute this presumption by providing evidence that you intend to use the mark again in the future.
In addition to trademark abandonment, you should also be wary of improper licensing. It's important to remember that once you allow someone else to use your trademark, you must keep an eye on how they use it. You should monitor the products or services that feature your trademark to ensure that they meet consumers' expectations in terms of quality. Failure to do so can lead to a "naked" trademark license and the loss of your protective trademark rights.
If you're wondering how you can avoid refiling your trademark, the answer is simple: file it correctly the first time around. Filing a trademark isn't inherently difficult, but when doing so, it's very important that certain aspects are filled out accurately in your application. If any information is missing or incorrect, the trademark application may be considered "void ab initio" or void from the beginning, requiring you to file again.
To avoid this, make sure that the information you provide in the application is accurate and complete, including the ownership of the trademark. For instance, if a corporation has multiple shareholders, it should not file under the President's personal name. The rightful owner should be the one/entity that ultimately controls the trademark and the associated goods/services.
It is also important to ensure that the goods and/or services description is precise. For example, if you sell electronic products, you should not file for research and development services despite having a research and development department. The goods/services description should reflect the goods/services you offer to customers, not the departments within your business.
Additionally, providing accurate dates of first use when filing for a trademark is crucial. The USPTO requires two dates to be specified - the date of first use anywhere and the date of first use in interstate commerce. Contact our trademark law office today to learn more about having accurate dates on your filing paperwork.
At Sausser Summers, PC, we often get questions about how to distinguish run-of-the-mill consultants and others from great trademark attorneys. After all - when you're looking for an attorney to file or prosecute your business trademark, you should know their qualifications. Here are three ways you can separate the proverbial wheat from the chaff when it comes to trademark attorneys.
It's crucial to seek legal advice from a licensed trademark lawyer rather than relying on advice from non-professionals like trademark consultants. The USPTO even recommends hiring an attorney to help with the trademark process. Although trademark consultants may provide advice on trademark availability or name marketability, they cannot file the trademark for you or offer legal advice. According to the Rules of Practicing in trademark cases, "Individuals who are not attorneys are not recognized to practice before the Office in trademark matters." This rule applies to individuals who assist trademark applicants.
When searching for a trademark attorney, it's important to find someone with a strong background in trademark law. Look for an attorney who specializes in this area and has significant experience handling trademark-related cases. Avoid lawyers who don't have expertise in this field, as they may not be able to provide the guidance and support you need.
Ensure your attorney provides updates throughout the trademark registration process to avoid missing deadlines, including responding to any Office actions within six months. Failure to do so can result in trademark abandonment. The USPTO will only correspond with the listed attorney of record, so make sure your attorney keeps you informed.
In summary:
Building your brand and gaining recognition for it is a significant achievement, and it's important to protect it. However, there are certain pitfalls and mistakes that can arise, causing you to lose your rights to the mark that represents it. By working with knowledgeable trademark attorneys, you can avoid these issues and file your trademark successfully.
With an A+ rating from the Better Business Bureau (BBB), Sausser Summers, PC, offers comprehensive guidance, strategic advice, and reliable representation for a variety of trademark matters. Our attorneys have years of real-world experience and, having registered countless trademarks with the USPTO, provide our clients with individualized representation when they need it most.
If you're looking for skilled, adept, and experienced counsel, look no further than our trademark law firm. Contact us today to schedule your initial consultation and learn how we can help you safeguard your brand.
HYATTSVILLE, Md., Nov. 20, 2024 (GLOBE NEWSWIRE) -- Home Genius Exteriors, a premier home remodeling company, continues its rapid growth and regional expansion announcing the opening of three new offices in Charlotte NC, Raleigh NC, and Cincinnati OH. These new locations will be modeled off the success of the existing 10 Home Genius Exteriors locations servicing homeowners in Maryland, Washington DC, Delaware, Virginia, Pennsylvania, New Jersey, New York, and Ohio."We take great pride in being able to announce our latest new offi...
HYATTSVILLE, Md., Nov. 20, 2024 (GLOBE NEWSWIRE) -- Home Genius Exteriors, a premier home remodeling company, continues its rapid growth and regional expansion announcing the opening of three new offices in Charlotte NC, Raleigh NC, and Cincinnati OH. These new locations will be modeled off the success of the existing 10 Home Genius Exteriors locations servicing homeowners in Maryland, Washington DC, Delaware, Virginia, Pennsylvania, New Jersey, New York, and Ohio.
"We take great pride in being able to announce our latest new office openings," says Home Genius Exteriors CEO, Jeff Gunhus. "The commitment of the entire Home Genius Exteriors team to deliver a truly different experience to our customers has fueled our rapid growth and expansion. Led by co-founders Max Alesi, Austin Killian, and Brent Miller we have built a culture around developing passionate leaders eager to revolutionize the home improvement industry through unmistakable quality and world-class communication, while also giving back to the community through our Home Genius Cares program. This culture has created an environment that is attracting the best of the best people. They say you are only as good as your people and ours are GENIUSES!"
Home Genius Exteriors is one of the fastest growing and most respected home improvement companies in America. With a commitment to exceptional customer service, unrivaled quality, and a culture of innovation, the company aims to revolutionize the home improvement experience for homeowners across the nation. Home Genius Exteriors offers a wide range of services, including roofing, siding, windows, doors, gutter, and more, all backed by a team of industry experts dedicated to delivering outstanding results. For more information, visit www.homegeniusexteriors.com or if you want to join the team and become a Genius, visit www.join-genius.com
CONTACTTim DunphyHome Genius Exteriors(203) 820-9401, [email protected], www.homegeniusexteriors.com
A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/f89ddeb0-c2bd-4a12-a5d9-ab1c9196f66e
Earlier this year, we used geopsychology — a study that says where you live might impact your personality — to determine how the typical Raleighite acts. Nearly 200 of you took our Raleigh personality test, and 67% of respondents identified as more introverted. Here are just a few ways to get out and about as an introvert, sans small talk.We have to begin with Raleigh’s ...
Earlier this year, we used geopsychology — a study that says where you live might impact your personality — to determine how the typical Raleighite acts. Nearly 200 of you took our Raleigh personality test, and 67% of respondents identified as more introverted. Here are just a few ways to get out and about as an introvert, sans small talk.
We have to begin with Raleigh’s vibrant museum scene. They’re typically quiet or filled with exhibit noises and expose you to new artists, science, and history. Plus, cafes like the one at the NC Museum of Art give you a chance to unwind among the art. If you’re feeling up to a little bit of small talk, learn about the Dueling Dinosaurs exhibit from the on-staff paleontologists at the NC Museum of Natural Sciences.
Spots like Boxcar and Side Quest allow for gaming while you lightly socialize — Boxcar and its wide array of arcade games and pinball machines is great for a night out that isn’t just standing around at a bar, and Side Quest is home to over 400 board games + Dungeons and Dragons nights, if that’s your vibe.
Introverts come in many varieties. If your brand is a reader who enjoys parallel play, check out Raleigh’s Silent Book Club chapters — local libraries and book stores like Blackbird Books & Coffee often host monthly meet ups. Bring whatever book you’re reading and read with the group. No one will interrupt you to ask what you’re reading or try to make small talk. Just like it should be.
However, if you do want to venture into the world of small talk, we’re here to give you that extra push. Raleigh’s social groups are a low-pressure way to meet new people.
N.C. State football gets a second opportunity this season to play a game on a nationally-televised, prime-time broadcast and hopes to provide a stronger showing in Round 2.The Wolfpack played Tennessee in Week 2, losing to the Volunteers, 51-10, after collapsing in the second half. It hasn’t met expectations this season and wants to show college football fans that it can compete with toughness.NC State faces Georgia Tech (6-4, 4-3 ACC) in the final road trip of the season on Thursday night, the lone college football game ...
N.C. State football gets a second opportunity this season to play a game on a nationally-televised, prime-time broadcast and hopes to provide a stronger showing in Round 2.
The Wolfpack played Tennessee in Week 2, losing to the Volunteers, 51-10, after collapsing in the second half. It hasn’t met expectations this season and wants to show college football fans that it can compete with toughness.
NC State faces Georgia Tech (6-4, 4-3 ACC) in the final road trip of the season on Thursday night, the lone college football game of the evening.
The Pack (5-5, 2-4 ACC) comes into the game after its second bye week and a 29-19 senior day loss to Duke. It remains one win away from bowl eligibility and would like to spoil someone else’s senior day.
The Yellow Jackets, however, are also entering the game after a bye and a 28-23 upset over Miami.
“When you look at their football team, as you would expect, (they’re a) physical group of guys offensively; played two quarterbacks in the last game,” N.C. State head coach Dave Doeren said on Monday. “Preparation wise, we have to get ready for both quarterbacks. … On defense, we’ve played against this defensive coordinator. I think he’s really good. They’re sound and physical.”
Tyler Santucci joined the Yellow Jackets’ staff this season after spending 2023 in the same position at Duke under then-head coach Mike Elko. Santucci led the Blue Devils to the ACC’s best scoring defense — 19 opponent points per game — and the 16th-best in the nation. He also guided the program to national top 50 rankings in rushing defense, pass defense, total defense, tackles for loss, third-down defense, fourth-down defense and red-zone defense.
Duke held the Wolfpack to three points in the 24-3 blowout at Wallace Wade Stadium last October.
This season, Georgia Tech ranks No. 40 in the nation for scoring defense (21.9 points per game) and No. 70 in scoring offense (27.7).
Doeren said the team can’t change the previous results, but he really wants the team to finish well.
“I think every week there’s urgency in these football programs, you know, particularly ours. You definitely feel the sand running out of the hourglass with some of your players as seniors,” Doeren said. “We had senior week last week, but you get into these series of lasts with some guys that you’ve put a lot of time in with … so there’s definitely that want to continue.
“You can see there’s a resolve. There’s that NC State grit that you see in this program that we’ve always had. How we finish matters. Now, we gotta go do it against a team that’s peaking a little bit.”
N.C. State heads to Atlanta to face Georgia Tech at 7:30 p.m. Thursday.
Fans can stream the game on ESPN, which is available on fubo TV, Hulu + Live TV, YouTube TV, DIRECTV Stream, Sling TV.
N.C. State opened as a 9.5-point underdog. As of Wednesday morning, the Yellow Jackets remained a 9.5-point favorite. The over-under was set at 52.5 points, with a moneyline of -320 for the Yellow Jackets and +255 for N.C. State.
Teams: N.C. State Wolfpack (5-5, 2-4 ACC) vs Georgia Tech Yellow Jackets (6-4, 4-3 ACC)
Where: Bobby Dodd Stadium, Atlanta
Date: Thursday, Nov. 21
Time: 7:30 p.m.
TV: ESPN
Stream: fubo TV, Hulu + Live TV, YouTube TV, DIRECTV Stream, Sling TV
Series history: Georgia Tech leads the all-time series 20-11. The Wolfpack is just 4-11 when facing the Yellow Jackets on the road. The two teams have not played since Dec. 5, 2020, when N.C. State won, 23-13, in Raleigh.
The founder and CEO of a now-bankrupt education tech startup was arrested Tuesday for lying to investors and embezzling company money for personal purchases.U.S. prosecutors indicted Joanna Smith-Griffin of Raleigh for securities fraud, wire fraud, and aggravated identity theft, alleging she bilked investors out of millions of dollars through her startup AllHere Education, which promised to improve K-12 student engagement through an artificial intelligence platform.Smith-Griffin, 33, formed AllHere in 2016 while studying at Har...
The founder and CEO of a now-bankrupt education tech startup was arrested Tuesday for lying to investors and embezzling company money for personal purchases.
U.S. prosecutors indicted Joanna Smith-Griffin of Raleigh for securities fraud, wire fraud, and aggravated identity theft, alleging she bilked investors out of millions of dollars through her startup AllHere Education, which promised to improve K-12 student engagement through an artificial intelligence platform.
Smith-Griffin, 33, formed AllHere in 2016 while studying at Harvard University. In 2021, she was named to Forbes’ 30 under 30 list for education, and more recently, her company entered a contract with the Los Angeles Unified School District to provide an AI chatbot to students in the nation’s second-largest school district.
The United States Attorney’s Office says Smith-Griffin misrepresented AllHere’s financials as early as November 2020 during its Series A funding round. According to the indictment, she told investors her Boston-based company had generated $3.7 million in 2020 and carried $2.5 million in cash reserves. In reality, AllHere made only $11,000 that year and had around $500,000 on hand.
Furthermore, Smith-Griffin informed early investors her startup had contracts with the New York City Department of Education and Atlanta Public Schools. It did not.
Over the next four years, prosecutors say Smith-Griffin continued to misrepresent the company’s revenue, cash reserves, and customer base — up until AllHere filed for bankruptcy this past June and laid off its entire staff. By then, she had obtained $10 million from investors.
Smith-Griffin is accused of using these corporate and fraudulently obtained funds on herself, including the down payment on her North Carolina house and her wedding.
“Her alleged actions impacted the potential for improved learning environments across major school districts by selfishly prioritizing personal expenses,” FBI assistant director in charge James Dennehy said in a statement. “The FBI will ensure that any individual exploiting the promise of educational opportunities for our city’s children will be taught a lesson.”
When investors uncovered discrepancies between AllHere’s actual financial records and what its CEO falsely claimed, prosecutors say Smith-Griffin acted to obscure her crimes. One step involved her creating a bogus email account through which she sent fraudulent documents to the company’s biggest investor.
Smith-Griffin was arrested and appeared in the Eastern District of North Carolina. Her case is being handled by the U.S. Attorney’s Office’s Securities and Commodities Fraud Task Force in the Southern District of New York.
Securities fraud and wire fraud each have a maximum prison sentence of 20 years while aggravated identity theft carries a mandatory sentence of two years in prison.
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The News & Observer
Brian Gordon is the Technology & Innovation reporter for The News & Observer and The Herald-Sun. He writes about jobs, start-ups and all the big tech things transforming the Triangle. Brian previously worked as a senior statewide reporter for the USA Today Network and covered education for the Asheville Citizen-Times.
A group of leaders who want to save Saint Augustine's University held a news conference Wednesday.RALEIGH, N.C. (WTVD) -- A group of leaders are worried about a $7 million loan given to Saint Augustine's University.The group includes religious leaders, social justice advocates and SAU alumni. Together, they spent Wednesday raising awareness about the loan and pushing for a solution to the school's financial challenges."Frustrated about all of these things that are going on the seem out of our control. But there are ...
A group of leaders who want to save Saint Augustine's University held a news conference Wednesday.
RALEIGH, N.C. (WTVD) -- A group of leaders are worried about a $7 million loan given to Saint Augustine's University.
The group includes religious leaders, social justice advocates and SAU alumni. Together, they spent Wednesday raising awareness about the loan and pushing for a solution to the school's financial challenges.
"Frustrated about all of these things that are going on the seem out of our control. But there are things we should have control," alum Harold Mallette said explaining his feelings about the situation.
The Raleigh university remains millions of dollars in debt. Earlier this year, they took out the loan with Gothic Ventures LLP to help keep the university afloat. The $7 million loan has an interest rate of 24% plus a 2% loan management fee. The university was also charged a $75,000 due diligence and documentation fee.
To get the loan, Saint Augustine's University put up much of the university's main campus and off-campus properties as collateral.
"Saint Augustine University is already financially stressed, struggling with rising operating calls, declining enrollment and reduced government funding," Jaylon Herbin with the Center for Responsible Lending said. "This loan exacerbates its physical strength. The signs are not only difficult to meet in the short term, but also threatening the university's long term viability. If these terms are not modified or eliminated, the likely outcome is grim."
"We are concerned about the partnership between Gothic Ventures and Saint Augustine University because if for any reasons Saint Augustine is unable to repay Gothic ventures, the land will be lost and the university as we know it will cease to be," alum Bishop Clarence Laney said.
Gothic Ventures tells ABC11 that the interest rate given was based on the financial challenges facing the university, including a recent audit, historical revenue losses and outstanding debt.
"Our intention from the beginning has been to aid this historic HBCU in its time of great need when no other lender would do so," Gothic Ventures said in a statement. "If St. Augustine's University wants to discuss changing the loan terms in connection with an earlier loan payoff or the sale of our loan to another lender, we would absolutely be willing to sit down and discuss those terms with the University and its Board of Trustees," the lender said in a statement.
Saint Augustine's University has had a tumultuous semester -- including a delayed opening, missed payroll checks, accreditation snags, merger talks, lawsuits, suspensions, homecoming cancellation and more.
Gothic has provided debt capital to numerous organizations over the last 10 years and I have a long-standing personal interest in the opportunities that education can provide. We saw numerous press reports and stories about Saint Augustine's University and its financial challenges. While we hoped that the government or a foundation or a bank would provide the funds necessary to keep the University open, that did not happen. When the University announced that it needed a significant cash infusion to be able to operate for the fall semester, I reached out to the University to see if the University would be interested in discussing a potential loan transaction. When the University indicated that it did want to discuss a potential loan transaction, we held a series of meetings with representatives of the University, its Board and its external legal counsel to discuss the terms of the loan. During these discussions, we made a number of concessions to address specific concerns of the University. The interest rate was based on the financial challenges facing the University which included its most recent audit report indicating concerns about the University's ability to continue operating as a going concern, the lack of audited financial statements for the last several years, historical losses because revenues exceeded expenses, significant outstanding debt, IRS liens on the University's property, and the suspension of the University's accreditation. Our default terms are standard for loans of this size and type.
We understand that an event occurred today where various parties made statements concerning our loan to the University. A lender does not discuss the terms of a loan agreement with anyone other than the borrower. If St. Augustine's University wants to discuss changing the loan terms in connection with an earlier loan payoff or the sale of our loan to another lender, we would absolutely be willing to sit down and discuss those terms with the University and its Board of Trustees. Our intention from the beginning has been to aid this historic HBCU in its time of great need when no other lender would do so.
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