The Boston Globe - 31.07.2019

WEDNESDAY, JULY 31, 2019 The Boston Globe Metro B

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It’s unclear what prompted
Century’s policy change; while
significant new political mo-
mentum has gathered behind
efforts to reform federal mari-
juana laws, proposed bills that
would make it easier for banks
to work with cannabis firms or
even legalize the drug national-
ly have yet to pass in either
chamber of Congress.
However, most of Century’s
medical cannabis clients are al-
so seeking recreational permits,
raising the possibility that they
would be forced to work with
two different banks — or ditch
Century for an institution will-
ing to service both aspects of
their businesses.
So far, financial institutions
that follow extremely onerous
federal guidelines have not been
prosecuted for working with
state-legal marijuana firms. But
the risks, plus the cost and com-
plexity of vetting potential cli-
ents and complying with those
federal guidelines, have kept
most banks on the sidelines.
Sbrega said GFA’s nearly
year-old recreational marijuana
banking business — which em-
ploys numerous workers to
manually monitor every depos-
it and generate reports for fed-
eral regulators — is not yet prof-
itable, though she expects it will
break even this year.
“There are a lot of costs and

uMARIJUANA
Continued from Page B

it’s very labor-intensive,” Sbrega said. “But long term, we see this

... adding to profitability.”
GFA offers mortgages to
landlords whose buildings host
marijuana firms as tenants, and
checking accounts, mortgages,
and auto loans to workers in the
industry. It’s also working with
outside partners to launch in-
surance policies, mutual funds,
and 401k programs for its mari-
juana clients, who often struggle
to find willing providers.
Besides federal law, one rea-
son others have hesitated to of-
fer loans — and why GFA is
moving cautiously — is that re-
liable collateral is hard to come
by in the pot business. Build-
ings and equipment could hy-
pothetically be seized at any
time by federal agents (though
there’s no indication of a loom-
ing crackdown), and banks
could not legally seize large in-
ventories of marijuana prod-
ucts. Similarly, the businesses
cannot avail themselves of fed-
eral bankruptcy, meaning cred-
itors could be left holding the
bag if a pot company dissolves.
“Deposit accounts are one
thing — you’re just moving
money back and forth — but
lending, that’s a much stickier
relationship,” said Jon Skarin,
senior vice president of the
Massachusetts Bankers Associ-
ation. “[GFA] would be the first
bank or credit union in the
country I know of to do it.”

If GFA moves forward with lending directly to pot operators, Sbrega said it would begin by offering loans only for the purchase of real estate and ex- pensive cultivation and pro- cessing equipment, assets that could serve as collateral. Interest rates would be be- tween 5 and 10 percent, com- pared with private capital interest rates that can be as high as 18 percent. The potential availability of

loans to companies was wel- comed by regulators, industry leaders, and activists. They said commercial lending could especially help smaller businesses that lack connections to wealthy investors, including those from communities disproportionately affected by the previous prohibi- tion of marijuana. “Bringing financing into this industry is really important given the lack of traditional [lending], and it could help us

achieve our equity goals,” commission Chairman Steve Hoff- man said. Hoffman said several more Massachusetts banks and credit unions are preparing to work with recreational operators, and that one — that he declined to name — was readying a lending program that would make half its capital available to disenfran- chised applicants for marijuana licenses who are enrolled in the commission’s equity and em-

powerment programs. “Entrepreneurs who have gone through the process to be certified as these types of applicants... would seem like good candidates for loans or invest- ment,” said Commissioner Sha- leen Title. “I applaud those banks that share the state’s goals and are seeking to be leaders.”

Dan Adams can be reached at [email protected].

LANE TURNER/GLOBE STAFF

Creditunions,banksexpandservicesformarijuanafirms

WATER RESPITE

A kayaker took to the Charles River, with the dome of the Massachusetts State House in the background, to get relief from the relentless mid-afternoon sun as Boston continued to bake in the summer’s heat.

company to stores throughout New England, Healey also called for more testing of bottled water. “The presence of these chemicals in drinking water can pose serious health risks to our state’s residents,” she said. “My office supports efforts to ensure that bottled water available in Mas- sachusetts is tested and safe.” Although lawmakers have proposed legislation that would require the EPA to impose stricter standards for the chemicals, the attorneys general urged them to act more quickly on several fronts. They urged Congress to des- ignate certain PFAS chemicals as “hazardous substances” under the federal Superfund law so that residents could qualify for federal assistance to pay for cleanups, especially at or near military installations. They also asked that legislation provide financial assistance to ensure the safety of drinking water supplies, especially in poor communities. “Many public water providers do not have sufficient fund- ing to address PFAS contamina- tion,” they wrote, raising the

uWATER Continued from Page B

concern that municipalities might be forced to raise water rates to recoup their costs. The attorneys general also called on Congress to prohibit the use and storage of firefight- ing foam containing PFAS at federal facilities. Testing of nearly 2,700 groundwater wells on or around military installations in recent years has found that 60 percent contained high levels of the chemicals, according to the Department of Defense. They also pressed lawmakers to pay for medical screening for PFAS exposure. “Our citizens deserve to know about potential health threats, particularly those in- curred on the job,” they wrote. Residents are growing in- creasingly concerned about the safety of their water, they added. “Without federal legislative action to assist states and communities that are responding to this burgeoning threat, the public may lose confidence in the safety of its drinking water sources, consumer products, and other routes of exposure,” theywrote.

David Abel can be reached at [email protected].

Healeycallsforaction

on‘foreverchemicals’

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M.G.L. C. 30, sec. 39M CONSTRUCTIONNOTICE TO CONTRACTORS – ADVERTISEMENT OF INVITATION FOR BIDSCOMMONWEALTH OF MASSACHUSETTS DEPARTMENT OF CONSERVATION AND RECREATION 251 CAUSEWAY STREET, SUITE 600, BOSTON, MA02114- PHONE: 617-626-1250 FAX: 617-626- http://www.mass.gov/dcr Contract No.: P19-3284-C20A Title: JP Skatepark RenovationLocation: SW Corridor Park, Jamaica Plain, MA Sealed proposals submitted on a form furnished by the Department will be received until11:00 AMonWednesday,- August 21, 2019at that time and place, publicly opened and read.at the Boston address above, and will be, Individual sets of contract documents, in the form of Compact Discs (CDs), which include specifications, are available- at the Boston address above, free of charge.All parties who wish to have the CDs shipped to them must Email: [email protected] yourapprovedaccountnumber for mailing service (i.e. – Federal Express), or you may re- quest to have CD sent by the United State Post Service. Inthe email, please include your company’s name, address, telephone #, and contact person. Will email when possible. In the event that any addenda are issued throughout the open period for this project, DCR will distribute these ad-denda via email to the email identified by the prospective bidders to DCR at the time the CD of plans and specifications is issued. PLEASE NOTE: All bidders must confirmreceipt of any DCR email communication by sending a return email stating: “(name of bidder) confirms that we have received Addendum #__ for Project No._______ and Title__________”. The email must show the name and phone number of the bidder’s responsible contact person. A pre-bidding conference for prospective bidders will beheld onThursday August 8, 2019 at 10:00 AM at the SW Corridor Park HQ; 38 New Health Street, Jamaica PlainBidders are welcome to visit the project site prior to the. pre-bid meeting& New Minton St. Please contact Dean Souza via e-from 9 :00AM-9: 4 5AM locatedatAmory mail ( [email protected] ) with any questions about the project. NOTE: All questions must be received on orbefore August 16, 2019. The project consists of the conversion of an existing streethockey court (located above the MBTA’s Orange Line Tun- nel) into a 4,000 sf skateboard park, including re- surfacing the area and construction of concrete ramps, as well as theprovision and installation of site furnishings, fencing, and all related site work. The estimated project cost is $ 525, of a notice to proceed. Liquidated damages in the amountThe work is to be accomplished within 120 calendar days of 500.00 per day will be assessed if the work has notbeen completed in accordance with the provisions of the contract within the time specified (as extended by any au- thorized extension of time granted in accordance with thecontract provisions). Bidders must be pre-qualified by the MassachusettsDept. of Transportation (MassDOT) Highway Division in the Recreational Facilities category to bid on the above project. An award will not be made to a Con-tractor who is not pre-qualified by MassDOT Highway Division prior to the opening of Proposals. Contractor Qualifications:The utmost importance is placed on the quality of the work. The expertise and skillof the selected site contractor is considered essential to the successful project.Therefore, the Department requests submission of qualifications demonstrating the knowledge,experience and quality for the successful selected bidder (or, where applicable, bidder together with a subcontrac- tor whose services the bidder intends to utilize if awardedthe Project). Such information should be submitted with the bid usingthe forms found in “Part IV – Special Conditions of the Con- tract”, page 6 of 10, through and including page 10 of 10 of the aforesaid Part IV – Special Conditions. Failure to pro-vide the above referenced qualifications forms at the time of the bid may result in rejection of the bid. Each bidder isrequested to supplement the form with resumes, photo- graphs, and project descriptions similar in scope. The proposed contract includes a combined participa-tion goal of 10.4% of the bid price for minority-owned business enterprises and women-owned business en-terprises. Proposed MBE/WBE participation plans that include solely MBE or solely WBE participation, or do not include a reasonable amount of participation byboth MBE and WBE firms to meet the combined goal, will not be considered responsive. The applicable local minority workforce utilization percentage is a minimum goal of 15.3%. The applicablelocal women workforce utilization percentage is a minimum goal of 6.9%. The Commonwealth encourages the participation oVeteran-Owned Business Enterprises (“VOBE”) on itsf construction projects. The Veteran-Owned BusinessEnterprise participation benchmark for this contract is 3.0%. Each bid must be accompanied by a bid deposit, in theform of a bid bond, cash, certified check, or a treasurer’s or cashier’s check issued by a responsible bank or trustcompany, payable to the Department of Conservation and Recreation in the amount of 5% of the bid. Each bid must be enclosed in a sealed envelope on which the bidder’s return address, including the bidder’s name, islisted, and be addressed as follows: Robert Boncore, Director ofContract Administration and Procurement Department of Conservation & Recreation 251 Causeway Street, 6th FloorBoston, MA 02114 SEALED BID/PROPOSAL ENCLOSEDContract No.: P19-3284-C20A Contract Title: JP Skatepark Renovation Bids are subject to the provisions of M.G.L. Ch. 30, Sect. 39F, G, H and M inclusive. Wages are subject to minimumwage rates as per M.G.L. Ch. 149, sections 26 to 27D inclusive. The Department reserves the right to waive any informalities in or to reject any and all bids if it be in thepublic interest to do so. Leo P. Roy, CommissionerMassachusetts Department of Conservation and Recreation

MORTGAGEE’S SALE OF REAL ESTATELEGAL NOTICE tained in a certain mortgage given by Andres HernandezBy virtue of and in execution of the Power of Sale con- and Itsva Cerritos to Mortgage Electronic RegistrationSystems, Inc. acting solely as a nominee for GMAC Mort- gage Corporation, dated February 25, 2005 and recorded in Suffolk County Registry of Deeds in Book 36572, Page 156(the “Mortgage”) of which mortgage U.S. Bank Trust, N.A., as Trustee for LSF10 Master Participation Trust is the pres- ent holder by assignment from Mortgage Electronic Regis-tration Systems, Inc., its successors and assigns to GMAC Mortgage, LLC dated March 13, 2009 recorded in Suffolk County Registry of Deeds in Book 44698, Page 85; confir-matory assignment from Mortgage Electronic Registration Systems, Inc. as nominee for GMAC Mortgage Corporation, its successors and assigns to GMAC Mortgage, LLC datedDecember 11, 2018 recorded in Suffolk County Registry of Deeds in Book 60582, Page 148; assignment from GMACMortgage, LLC to Green Tree Servicing LLC dated July 23, 2013 recorded in Suffolk County Registry of Deeds in Book 51956, Page 147 and assignment from Ditech Financial LLCf/k/a Green Tree Servicing LLC to U.S. Bank Trust, N.A., as Trustee for LSF10 Master Participation Trust dated Decem- ber 5, 2018 recorded in Suffolk County Registry of Deedsin Book 60582, Page 151, for breach of conditions of said mortgage and for the purpose of foreclosing the same, the mortgaged premises located at 40 Florence Street, Roslin-dale (Boston), MA 02131 will be sold at a Public Auction at 12:00 PM on August 7, 2019, at the mortgaged prem- isespremises described in said mortgage, to wit:,moreparticularlydescribedbelow,allandsingularthe A certain parcel of land with the buildings thereon, nowknown as and numbered 40 Florence Street, in the Roslin- dale district of the City of Boston, Massachusetts boundedand described as follows: Commencing on the northerly side of Florence Street at the southwesterly corner of land formerly owned by JohnHageline, thence running: WESTERLY on said Florence Street; Sixty (60) feet to land formerly of Rose F. Hart, thence turning and runningNORTHERLY on land formerly of Rose F. Hart, One Hundred Twenty (120) feet to land formerly of Margaret E. Loehr; thence turning and runningEASTERLY on land formerly of said Loehr, Twenty (20) feet to land formerly of said John Hageline; thence turning and runningSOUTHERLY on land formerly of said John Hageline, One Hundred Twenty-Nine and 5/10 (129.5) feet to FlorenceStreet and the point of beginning. Containing 4,880 square feet of land, more or less, and being shown on a plan of land drawn by W.C. Bates, C.E. dated- September 19, 1913, recorded with the Suffolk County Reg- istry of Deeds in Book 3758, Page 592. For our title see deed recorded with Suffolk County Regis- try of Deeds in Book 34918, Page 348. For mortgagor’s title see deed recorded with the Suffolk County Registry of Deeds in Book 34918, Page348.

all unpaid taxes and other municipal assessments andThe premises will be sold subject to any and liens, and subject to prior liens or other enforceable en-cumbrances of record entitled to precedence over this mortgage, and subject to and with the benefit of all ease- ments, restrictions, reservations and conditions of recordand subject to all tenancies and/or rights of parties in pos- session. fied check in the sum of $5,000.00 as a deposit must beTerms of the Sale: Cash, cashier’s or certi- shown at the time and place of the sale in order to qualifyas a bidder (the mortgage holder and its designee(s) are exempt from this requirement); high bidder to sign written Memorandum of Sale upon acceptance of bid; balance ofpurchase price payable in cash or by certified check in thir- ty (30) days from the date of the sale at the offices of mort-gagee’s attorney, Korde & Associates, P.C., 900 Chelmsford Street, Suite 3102, Lowell, MA 01851 or such other time as may be designated by mortgagee. The description for thepremises contained in said mortgage shall control in the event of a typographical error in this publication. Other terms to be announced at the sale. U.S. Bank Trust, N.A., as Trustee for LSF10 Master Participa-tion Trust Korde & Associates, P.C. 900 Chelmsford StreetSuite 3102 Lowell, MA 01851(978) 256- Hernandez, Andres, 15-

ADVERTISEMENTCITY OF BOSTON PUBLIC WORKS DEPARTMENT Invitation for Sealed Bids for Capital Improvement Project # 19-92 for Preservation and Rehabilitation ofCity of Boston Owned Bridge-City Wide. NOTE: For information specific to this particular bidplease contact Marie McDonald, @ 617-635- A MANDATORY PRE-BID CONFERENCE WILL HE HELDON MONDAY, AUGUST 5, 2019 @ 2:00 PM IN ROOM 714. The City of Boston, acting by its Commissioner, invitessealed bids for the performance of the work generally described above, and particularly set forth in the InvitationFor bids which may be obtained at Room 714 (Contract Of- fice), City Hall, Boston, Mass., commencing at 9:00 a.m. on Monday, July 22, 2019. Invitation for bids shall be availableuntil the time of the bid opening. There will be a charge of twenty-five dollars ($25) NOT REFUNDABLE, for each set of contract documents taken out. THE MASSACHUSETTS DEPARTMENT OF TRANSPOR-TATION (MASSDOT) HAS PROVIDED A LIST TO THE BOSTON PUBLIC WORKS DEPARTMENT OF APPROVED ELIGIBLE BIDDERS FOR THIS PROJECT. ONLY THOSECONTRACTORS ON THIS LIST WILL RECEIVE OFFICIAL BID DOCUMENTS. ALL OTHERS WILL BE PROVIDED WITH AN INFORMATIONAL COPY. Every sealed bid shall be submitted in accordance with the Invitation for Bids. All sealed bids shall be filed not laterthan Thursday, August 22, 2019 at 2:00 p.m. at the office of the Commissioner, Public Works Department, Room 714, City Hall. All bids must be from bidders of record (thosewho have purchased contract documents) on file at Room 714, City Hall. The attention of all bidders is directed tothe provisions of the Invitation for Bids and contract documents, specifically to the requirements for bid deposits, insurance and performance bonds as may be applicable. Abid deposit of 5 percent of the total contract amount shall be required from each bidder. A performance bond in the amount of 100 percent of the contract shall be requiredfrom the successful bidder. Sealed bids shall be publicly opened by the Official on Thursday, August 22, 2019, at 2:00 p.m. in Boston City Hall, Room 801. The award of anycontract shall be subject to the approval of the Mayor of Boston. The maximum time for bid acceptance by the City after the opening of bids shall be ninety (90) days. The City/County and the Official reserve the right to reject any or all bids or any item of items thereof.NOTICE The attention of all bidders is specifically directed to theCity of Boston Resident Section contract provision of the specifications and the obligation of the contractor and subcontractors to take affirmative action in connection withemployment practices in the performance of this contract. During the performance of this contract, the general contractor shall agree and shall require that his subcontrac-tors agree to the following Workforce Requirements (labor). MinorityWorkforce:Thecontractoranditssubcontractors shality manhours to total employee manhours in each tradelmaintainanot lessthan 40percentratioofminor- worked on the contract. Boston Resident Workforce: The contractor and its subcontractors shall maintain a not lessthan 51 percent ratio of Boston resident employee manhours to total employee manhours in each trade workedon this contract. Female Workforce: The contractor and its subcontractors shall maintain a not less than 12 percent ratio of female employee manhours to total em-ployee manhours in each trade worked on this contract. The workforce requirements of paragraphs (1), (2), and (3) above shall apply to each trade that appears on the list of“Classification and Minimum Wage Rates,” as determined by the Commissioner of Labor and Workforce Development Industries under the provisions of chapter 149, sections 26through 27G, of the General Laws of Massachusetts, as amended. (July 22) Chief of Streets, Transportation and SanitationCHRIS OSGOOD

DEPARTMENT OF CONSERVATION AND RECREATIONTHE COMMONWEALTH OF MASSACHUSETTS For projects estimated at less than $50, INFORMATION for BIDDERS, PROPOSAL, CONTRACT,SPECIFICATION _________________________________________________(Riverbend Park Soil Remediation) Awarding Agency:Department of Conservation and Recreation 251 Causeway Street, Suite 600Boston, MA 02114 Telephone: 617-626- Project NO.:P19-3261-C3A Estimated Cost: $ 50,000. Remediation & TransportationContractor Qualifications:MassDOT Hazardous Waste Contact Information Project Manager:Email address:[email protected] Chowdhury There will be no pre-bid conference- Please email Muhammad Chowdhury with any questions. - Contract Information Project: Riverbend Park Soil Remediation Project Location:Medford, MA Plans/Specifications Available:Carol.a.bernardi@mass. gov or Pick up @ 251 Causeway Street, 6TH Floor, Boston, Ma 02114 Bid Deadline: 08/14/2019 11:00AM Riverbend Park, Medford, MA Soil testing identified con-Project Summary: Soil remediation from DCR property- taminants to include lead, zinc, and PAHs which requireremediation. Sealed proposals submitted on a form furnished by the De-partment will be received until11:00 AM on Wednesday, August 14th, 2019at the Boston address above, and will be, at that time and place, publicly opened and read.

The Boston Globe - 31.07.2019

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