Here are images of MY PEERS who were given a podium by Wells Fargo Bank, and Alcohol Justice. Did any of my sober brothers and sisters have a problem seeing their logo next to Duffy’s, as they entered the building to bare their soul as they discuss why they wrote recovery books and made recovery movies?

The basis of my lawsuit against Wells Fargo – that might be a class-action suit – is that they entered into an agreement with Alcohol Justice – in bad faith – and had no intention of maintaining Good Faith with my brothers and sisters in Recovery. Indeed, one has to wonder if Conspiracies’ and Fraud were not the main ingredient, because they had to know Alcohol Justice was an alleged “Watchdog” in the alcohol producing industry – and that AJ is mixing it’s agenda with the Alcoholic Recovery “Industry” as stated by who runs Duffy’s – while he stands under the Wells Fargo Logo. This photo-shoot promotion stunt, could be sending a message to many winery and breweries, that Alcohol Justice is in the back pocket of Wells Fargo and BNP Paribas , and wont be harassing them like they did PlumpJack. If you want to get more loans and investors, you don’t want a bunch of protesters for Charge For Harm picketing your winery. Indeed, you can make a case that Charge For Harm and AJ can be weaponized. For what purpose?

Charge For Harm | Rosamond Press

Let us title this lawsuit WINEGATE. The key questions is, WHEN DID THEY KNOW there was a massive Conflict of Interest? And – WHO KNEW? Bootleggers were involved in Extortion and the Shake-down. The Mafia was always looking for….A FRONT! Why are all these men with the surname DELUCA at the epicenter of the Wine Industry? A kick-back to recovery houses – is very possible! You would want WRITERS on your side. Am I making things up? Wells Fargo and Alcohol Justice – have in their face – A MASSIVE FAILURE TO POLICE THEMSELVES! They have done massive harm to ‘Writers In Recovery’. Study this video!

(58) REEL Recovery Film Festival – San Francisco 2014 – Highlights – YouTube

The REEL Film Festival happened in 2014. In 2012 this article appears on how hard it is to get a loan in a “highly competitive industry”. Anyone who want to start a winery, would get on the internet to study THE COMPITION! Look, there’s some token Indians – and the Sheriff of San Francisco County? Gulp! Holy Moly! There’s the French Bank of BNP Paribas! Fuck! These are the BIG BOYS – WITH THE BIG BUCKS!

“I’m out of my league! I think I will invest in pot farms in Oregon, instead!”

John Presco

President: California Barrel Company

For wineries seeking capital, be prepared (northbaybusinessjournal.com)

The French Are Coming! Alarm! | Rosamond Press

Prior to joining Bank of the West, DeLuca was a Senior Vice President at Wells Fargo Bank, where he led their Wine, Food & Beverage practice in the Western Division.  Before that, he worked at Key Banc Capital Markets as Director/Consumer Banking National Head of Wine & Spirits. He holds degrees from the University of California at Berkeley (MBA), Johns Hopkins University (Master of International Relations) and Georgetown University (BA in Government).

Many of our guests are able to afford treatment with significant help from their insurance company, others finance their treatment or pay in cash.

Hope by the Sea | Drug and Alcohol Rehab | California Addiction Treatment

Pricing | Duffy’s Napa Valley Rehab (duffysrehab.com)

Two executives at Wells Fargo were lured away by Bank of the West that is wholly owned by BNP Paribas whose headquarters is located on Rue Rougemont. Again, I have found the Phantom of the Opera. How many California vineyards does this French Banque own? Was John DeLuca with Wells when they sponsored the REEL Recovery Film Festival associated with Alcohol Justice? Did a giant French bank use alcoholics in recovery to create a facade?

I am composing a message to the President of the United States of America. We got Dueling Banks fighting over California that was rested away from Mexico by my kin, John Fremont.

John Presco

President: Belmont Soda Works

BancWest Corporation is wholly owned by BNP Paribas, (www.bnpparibas.com) a global leader in financial services. BNP Paribas is one of the six highest rated banks in the world according to Standard & Poor’s. Present in more than 70 countries, the company has more than 200,000 employees. BNP Paribas has a significant presence in the United States and Europe and strong positions in Asia and the emerging markets.

Prior to joining Bank of the West,

Wells Fargo launches food, beverage and agribusiness group | Banking Dive

Press Release | Press Center | About Us (bankofthewest.com)

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For wineries seeking capital, be prepared

GQUACKENBUSHGQUACKENBUSH July 2, 2012 Order Article Reprint

SANTA ROSA — Increasing competition, along with volatile U.S.-global economies and capital markets, are affecting the way wineries are being financed, according to banking and capital-management experts at the Moss-Adams LLP Wine Industry Financial Roundtable. The quarterly event attracted more than 65 CEOs, CFOs, winery owners and managers to the Vintner’s Inn on May 31.

Quinton Jay, Bacchus Capital Management; Jed Taborski, Silicon Valley Bank, and Perry DeLuca with Wells Fargo Bank.”][/caption]

Rick Boland, senior business consultant with Moss-Adams LLP, introduced a panel of speakers including Perry DeLuca, senior vice president with Wells Fargo Bank’s wine, food and beverage group, Jed Taborski, deal team leader with Silicon Valley Bank’s (SVB) wine division, and Quinton Jay, managing director with Bacchus Capital Management, LLC.

According to Mr. Taborski, SVB’s pre- and post-recession underwriting criteria have not changed.

“I doubt that many other responsible lenders have changed theirs much either. We use the same ratios and methodologies across the industry.  However, the number of companies that can hit minimum hurdles, mostly profitability and cash flow, declined during the recession. As the economy has continued to improve, albeit at a slow pace, financial performance across the wine industry has been improving.”

Mr. DeLuca said, “The wine market today is highly competitive, even for the best firms seeking capital. The current interest rate environment has held fairly steady since 2008 and remains at historic lows not seen since the early 1950s. With the economy in a continued state of low growth and a lack of inflation, we may expect these rates to continue in the short term.”https://newsletter.northbaybusinessjournal.com/framed/single?pid=29&hideImage=1&fid=1487

The U.S. prime rate has fallen dramatically from 21.5 percent in the early 1980s to 3.25 percent currently, largely due to globalization, leading to a situation where the prime rate moves in lockstep with the Lender Interbank Offering Rate (LIBOR).  

Mr. DeLuca believes that several factors can affect future rates. The fiscal cliff and GDP drag in the U.S. are major concerns.

“Drag” has been defined as the dampening effect on aggregate demand and Gross Domestic Product that slows efforts to expand the economy due to rising national debt, high government spending and taxes.

Other variables include the stability of the Euro and EU Bank system uncertainties, flight to quality (leaving the Euro to invest in U.S. Treasury notes), political considerations in the U.S. and abroad, along with unemployment, inflation, deflation and Fed policy — as well as the fact that China and emerging markets now represent 34 percent of world market cap.

Wells Fargo focuses on firms with products selling at good margins, with strong direct to consumer sales or a three-tier sales model, and with fixed asset or cash-flow based coverage, depending on the size of the firm.

While financial metrics remain the primary criteria for bank winery investments, non-financial factors are equally important.

“The experience and resources of the management team weigh heavily in our decision-making process,” said Mr. Taborski. “We also look at business plans to see if a winery has a clear path to market, growth expectations and a solid sourcing mix. We want to know if fruit from a vineyard has a home, and the strength of the buyers.”

Having financial statements prepared in proper fashion, according to GAAP rules for wineries — and on a cash basis for most vineyards — is crucial, as well as transparency and communications.

“Everyone hates surprises. It is important to raise issues early through an open, candid dialogue and through quarterly state of the business updates.”

When making a winery investment, Silicon Valley Bank examines a firm’s sales velocity and asks questions such as: “Are wines moving in a 12-month cycle, and what is the status of sales versus depletions?” Recurring cash flow and coverage ratios help determine how a firm is going to repay debt.

Capitalization (debt to equity ratios and net worth calculations) and liquidity (accounts receivable records and the ability to convert inventory to cash) are vital considerations.

“Companies that are well run and very healthy are those that banks want to do business with. Competition is intense for these firms and largely a beauty competition with respect to term sheets,” Mr. Taborski said.

“Everyone is playing here, including banks, farm credit, insurance and private equity firms.”

Most recently as president of Virtue Holdings, LLC, Bowker oversaw the acquisition and integration of operations of the company by Anheuser-Busch InBev. Prior to Virtue Holdings, Bowker was Chief Operating Officer and Chief Financial Officer with Goose Island Beer Company. Bowker has served on the Anheuser-Busch InBev Craft Advisory Board, has a certificate from the Siebel Institute of Brewing Technology, holds an MBA  degree from the University of Southern California, and is a Fellow of the Institute of Chartered Accountants in England and Wales.

Wines-Vines-Sept-2012-Finance-Special.pdf (bacchuswinefund.com)