Small Home Repairs Business Coatesville Pa Fraud

					                                                                                                                                                                                            Southern Exposure                                                              MAY-JUNE 2008

SCCCC CALENDAR                                                        Presenter: Don Surr. Topic: “Get your Business Plan down off the
WEDNESDAY, MAY 7TH, 7:30 A.M.                                         shelf - put it to work.”
The Southern Chester County Chamber of Commerce and The               WEDNESDAY, JUNE 4TH, 11:30 A.M. SOCIAL,                                                     Message from the
Women’s Referral Network are partnering to bring you an exciting      12 NOON LUNCH                                                                               Executive Director
                                                                      Members Meeting Luncheon being held at Kennett Square Golf &
speed networking event.... POWER PARTNERING. Meet 9 new                                                                                                                           PG 4
                                                                      Country Club, Route 82 & E. Locust Lane, Kennett Square. Guest
partners every 15 minutes (Participants will be limited to 4 from
                                                                      Speaker: Matt Tucker of Pegasus Technologies. Topic: “Staying
each industry)
                                                                      Secure in A Technologically Unsecure World.” Join us to learn the
LOCATION: The Greathouse at Loch Nairn Golf Club, Avondale, PA.
                                                                      best practices in computer security. This is a presentation you                             Message from the
Cost: $40.00 Members
                                                                      can’t afford to miss!                                                                       President
FRIDAY, MAY 16TH, 11:30 A.M. SOCIAL,
12:15 P.M. LUNCH                                                      THURSDAY, JUNE 19TH, 5-7 P.M.                                                                           PG 3
Spring Legislative Luncheon in Gold Ballroom of the Mendenhall        Business Card Exchange and Presentation of 2008-2009 SCCCC
Inn, Route 52, Mendenhall, PA. Guest Speakers: Senator Dominic        Business Directory. Event hosted by Donald Sellers of Edward Jones
Pileggi and Rob Powelson, CCCBI President. Topic: “Business           Investments, 701 E. Baltimore Pike, Kennett Square.
Development in Uncertain Economic Times.” Cost: $32 Members,          THURSDAY, JUNE 26TH, 7:30 A.M.                                                              Municipal Issues
$36 Non Members.                                                      New Members Orientation Breakfast at Hilton Gardens Inn, 815 E.                             Breakfast
Event Major Sponsor: Kendal-Crosslands Communities; Sponsors:         Baltimore Pike, Kennett Square, PA                                                                        PG 6-7
Riper Riper Hollin & Colagreco and The Tri-M Group, LLC.              SAVE THE DATE! - Tuesday, August 19th
                                                                      Annual Golf Tournament at Hartefeld National Golf Club, Avondale,
MONDAY, MAY 19TH, 9 TO 11 A.M.                                        PA.
SCORE Workshop at Hilton Garden Inn, 815 E. Baltimore Pike, Kennett
Square. This is a FREE Workshop for SCCCC members through
the generous co-sponsorship of the Hilton Garden Inn and National
Penn.

SOUTHERN CHESTER COUNTY                                                                                                                    MEMBER SPOTLIGHT                                                                                    Massachusetts-based retailer that operates
                                                                                                                                                                                                                                               T.J. Maxx and Marshalls, exposed over
                                                                                                                     BULK RATE             PEGASUS TECHNOLOGIES: SECURING AND MANAGING YOUR
CHAMBER OF COMMERCE                                                                                                                                                                                                                            45.6 million credit and debit card numbers,
                                                                                                                   U.S. POSTAGE            DIGITAL WORLD
P. O. Box 395, 206 E. State Street                                                                                                                                                                                                             resulting in numerous lawsuits and heavy
                                                                                                                        PAID
Kennett Square, PA 19348                                                                                                                                                                    that conduct just a few credit card transactions   fines.
                                                                                                                KENNETT SQUARE, PA
610-444-0774                                                                                                                                                                                each year will be held accountable for meeting     T.J. Maxx is big news, but most small
                                                                                                                   PERMIT NO. 44
                                                                                                                                                                                            the standards. Fines for non-compliance can        business compromises go unreported for
                                                                                                                                                                                            be levied for as much as $500,000.                 many reasons like fear of bad publicity or the
                                                                                                                                                                                                                                               thought that law enforcement couldn’t help.
                                                                                                                                                                                            “Organizations may know what is at risk, but       The truth is Small & Medium businesses
                                                                                                                                                                                            to make sure they’re getting the message,          have a great risk due to their lack of in-house
                                                                                                                                                                                            government and watchdog organizations              knowledge, antiquated hardware & software
                                                                                                                                                                                            are setting stringent standards that hold the      solutions and loser data security policies, if
                                                                                                                                                                                            company, as well as its executives, personally     any.
                                                                                                                                                                                            responsible in the case of a security breach,”
                                                                                                                                                                                            says Matthew Tucker, Vice President at             Among the requirements to be enforced
                                                                                                                                           Matt Tucker; VP of Pegasus Technologies
                                                                                                                                                                                            Pegasus Technologies based in Media, PA.           for security management are: installing
                                                                                                                                                                                            “The cost of fraud is enormous, and it is only     and maintaining a firewall configuration
                                                                                                                                           On April 30 of this year a set of requirements   going to get worse if proper security is not in    to protect cardholder data; encrypting
                                                                                                                                           for enhancing payment account data security      place.”                                            transmission of cardholder data across open
                                                                                                                                           developed by The Payment Card Industry           Major incidences of data theft in the past         public networks; developing and maintaining
                                                                                                                                           Security Standards Council (PCI) will be         several years have indeed been costly in           secure systems, applications and assigning
                                                                                                                                           enforced, impacting any company accepting        both dollars and organizational credibility.       a unique ID to each person with computer
                                                                                                                                           payments via credit card. Even businesses        As reported, a security breach at TJX, the         access; regularly monitoring and testing
                                                                                                                                                                                                                                               networks; and a
                                                                                                                                                                                                                                               Continued on page 5; Pegasus

                                                                                                                                           P.O. Box 395, 206 East State Street, Kennett Square, PA | Phone: 610-444-0774 | Fax: 610-444-5105 | info@scccc.com | www.scccc.com
WELCOME NEW MEMBERS                                                                                                             they can get both the Route 1 and the Route                                  road repair and bridge repair; its mass transit, to 15 MPH, and that as a result such a project
                                                                                                                                52 projects at the top of the list.                                          it’s everything,” she said. “We need to work could cost several hundred million dollars.
CENTER FOR THE CREATIVE ARTS                                         ROSCI SALON DA’ SPA
                                                                                                                                                                                                             with legislators to make sure there is some
Carla Pastore                                                        Ronald & Kimberly Rosci
                                                                                                                                Aichele said that after the emergency                                        accommodation.”                                  “Rail is an important component of the whole
302-239-2434                                                         610-869-5533
                                                                                                                                repairs to I-95 in Philadelphia last month,                                                                                   transit picture in Chester County, and we were
FAX 302-489-0120                                                     FAX 610-869-5546
                                                                                                                                Gov. Ed Rendell has placed bridge repair and                                 John Stevenson, of the Oxford Borough looking to and advocating extending the R-5
410 Upper Snuff Mill Row, P. O. Box 146, Yorklyn, DE 19736           67 Jenners Village Center, West Grove, PA 19390
                                                                                                                                maintenance as the state’s main priority,                                    planning commission, spoke about a project to out past Downingtown and Coatesville and
Community Arts Center and Summer Camp                                Salon and Day Spa
                                                                                                                                while road repair takes a back seat.                                         restore a rail line from Nottingham to Chadds past Atglen, so it would be wonderful,” Farrell
Website: www.ccarts.org
                                                                     ROWES OF STITCHES                                                                                                                       Ford, and possibly extend it through Maryland said. “Once again, the bottom line is cost, so
COUNTRY FLOORS & INTERIORS LLC                                       Gary Rowe                                                  “I can’t say that that’s a bad priority,                                     and onto the Eastern Shore line.                 we’ll see what we can do.”
Scot Savitch                                                         610-255-0263                                               because we’ve ignored bridges for years in
484-732-8687                                                         FAX 610-255-0263                                           Pennsylvania,” she said. “And as a county,                                   Stevenson was seeking support from the “We recognize that it’s a good thing to do –
FAX 484-702-7162                                                     1865 Flint Hill Road, Landenberg, PA 19350                 we have 97 bridges and no roads. We own                                      commissioners on the project, which he said it’s probably the right thing to do – and to
331 E. State Street, Kennett Square, PA 19348                        Manufacturer’s Agent                                       the bridges but we don’t own the roads up                                    was already well on its way.                        the extent that we can be helpful, we’ll do
Website: www.CFIOXFORD.COM                                           Website: www.rowesofstitches.com                           to the bridges.”                                                                                                                 everything we can,” Cozzone said.
Kitchen & Bath Renovations, Floor Coverings, Custom Furniture,                                                                                                                                               “Our ultimate goal is to get a commuter line
                                                                     JOSEPH C. SCOTT PLUMBING
Home Theaters                                                                                                                   Aichele added that when she steps up as                                      from Nottingham to Philadelphia,” Stevenson Aichele said that even as important as the Wawa
                                                                     J.C. Scott
                                                                                                                                chairman of the Delaware Valley Regional                                     said. “With the extension of the Media line extension was, it cost in the neighborhood of
HER WRITE IMAGE, LLC                                                 610-444-4799
                                                                                                                                Planning Commission next year, she would                                     to Wawa, that’s a big step that helps us out, $50 million for a five-mile section.
Megan L. Reese                                                       FAX 610-444-5999
                                                                                                                                advocate “the old fashioned way – with                                       because now we can make that connection.”
610-804-5248                                                         217 Cambridge Circle, Kennett Square, PA 19348
                                                                                                                                politics” to have Chester County’s roads                                                                                          “It’s expensive, but if we’re going to invest in
35 Winterset Court, West Grove, PA 19390                             Plumbing
                                                                                                                                moved up as a priority.                                                      Farrell, who was a former member of Oxford what will provide the quality of life we need for
Website: www.herwriteimage.com
                                                                     SEND OUT CARDS                                                                                                                          MainStreet, Inc., said that the local railway is the next 50 years, it’s mass transit,” she said.
Writing & Editing
                                                                     Daniel Kohler                                              “The money is so short, and its not just                                     in need of such repair that rail traffic is limited
KENNETT GROUP LLC                                                    610-869-0946
Jeff Scarpitti                                                       627 State Road, West Grove, PA 19390
610-444-8005                                                         Website: sendoutcards.com/36172
FAX 484-731-0617                                                     Automated Greeting Card Service
136 Roundhill Road, Kennett Square, PA 19348
                                                                     SUNOCO HOME COMFORT SERVICES
Website: www.kennettgroup.com
                                                                     Joseph Martinez
Executive Search Consultants
                                                                     610-587-0940
KEYSTONE FEDERAL CREDIT UNION                                        FAX 610-859-5765
Joseph E. Gimble                                                     623 E. Lincoln Highway, P. O. Box 70, Exton, PA 19341
484-356-0400                                                         Heating Oil & Propane/Equipment Service
FAX 484-356-0403
                                                                     WACHOVIA SECURITIES, LLC
1052 Andrew Drive, West Chester, PA 19380
                                                                     Daryl A. Dalton, AAMS
Website: www.keystonefcu.org
                                                                     610-566-5366
Credit Union
                                                                     1400 N. Providence Road, Suite 117, Media, PA 19063-2080
MIRO COMMUNICATIONS                                                  Financial Services
R. Lee Archer
                                                                     ZIROLLI INSURANCE AGENCY
484-798-5270
                                                                     Desiree D. Zirolli                                             AMERIPRISE FINANCIAL SERVICES, INC.
311 Cornerstone Court, Oxford, PA 19363
                                                                     484-557-9021                                                     Financial advice for:
Website: mirocommunications.com
                                                                     FAX 610-444-4365                                                 � Short- And Long-Term Goals � Small Business Owners
Graphic Design
                                                                     700 Garden Drive, Kennet Square, PA 19348                        Bronwyn L. Martin MBA, CRPC®
PENN BREW STATION                                                    Insurance – Personal, Commercial, Life And Agriculture           Financial Advisor
Curtis Mason                                                                                                                          107 W. State St
                                                                                                                                      Kennett Square, PA 19348
610-869-8830 or 610-842-3436                                         Again, welcome!
                                                                                                                                      610-444-8312
627 W. Baltimore Pike, West Grove, PA 19390
Website: www.pennbrewstation.com
Sandwiches/Seafood/Beer
                                                                 2                                                                    Financial advisory services available through Ameriprise Financial Services, Inc., Member NASD and SIPC.
                                                                                                                                      300177a-Mini1 7/06                                                                                         7
2008 SCCCC OFFICERS
President                               MUNICIPAL ISSUES BREAKFAST                                                                      PRESIDENT’S MESSAGE
JOHN JAROS, ESQ.                        On April 17th, our three County Commissioners served as a panel to                              JOHN JAROS
Riley Riper Hollin & Colagreco          address concerns of municipality officials and chamber members
                                                                                                                                                                                       upcoming year whereby we hope to be able           as breakfasts, luncheons, workshops,
Vice President                                                                                                                                                                         to deliver to you, our members, the best           business card exchanges, to name a few,
CHAD FENSTERMACHER, CPA                                                                                                                                                                service possible.                                  where you can network with other business
Fenstermacher & Co.
                                                                                                                                                                                                                                          leaders and try and grow your business.
Treasurer                                                                                                                                                                                                                                 Your involvement in these activities not only
CHAD FENSTERMACHER, CPA                                                                                                                                                                As we all try and navigate some difficult          adds value to your membership, but also
Fenstermacher & Co.                                                                                                                                                                    economic times this year, we as a Chamber          creates opportunities for you to market your
Chairman of Board                                                                                                                                                                      hope to focus on several goals and                 company to other members.
Dennis Melton AIA                                                                                                                                                                      objectives. We would not only like to retain
Melton Architects                                                                                                                                                                      our current membership, but at the same            I continue to invite all our members to
Executive Director                                                                                                                                                                     time try and add new members to continue           submit ideas and suggestions on how
AILEEN GLASS                                                                                                                                                                           to grow our organization. We will focus on         to successfully grow our Chamber in an
Secretary                                                                                                                                                                              trying to increase economic development            effort to better serve you, our members,
                                        The Chamber held a Municipal Issues Breakfast on April 17th. This was the first of a
TINA ALTMAN                                                                                                                                                                            by attempting to work more closely with            as well as our community. I encourage
                                        series of meetings the SCCCC Legislative/SCCOOT/Regional Planning Committee has
                                                                                                                                                                                       city, township, borough, county and state          you to get involved this year and try and
                                        planned for municipality officials to come together and share concerns or questions on
BOARD OF DIRECTORS                                                                                                                                                                     elected officials and their personnel in order     help us implement these new and exciting
                                        local issues affecting our business community. At the April 17th event, our three County
STEVEN BUTLER                                                                                                                                                                          to try and attract new business and industry       programs. Trust me, your involvement will
ButlerBank Consulting                   Commissioners served as a panel to address concerns of municipality officials and
                                        chamber members. The Tri-M Group, LLC sponsored the event.                                                                                     to Southern Chester County. We also have           make a difference.
JIM CLYMER                                                                                                                              I consider it a privilege and an honor to
                                                                                                                                                                                       a renewed focus on trying to expand
Key Development Group                                                                                                                   serve as President of the Southern Chester
                                        Wm. Shawn Weigel, a reporter for The Kennett Paper, was at the Breakfast and wrote the                                                         existing programs as well as develop new
JOSE COLON                                                                                                                              County Chamber of Commerce this year.
                                        following article for The Kennett Paper and the Daily Local News.                                                                              and informative programs in a hope to
DNB First                                                                                                                               As a partner in a regional law firm with
                                                                                                                                                                                       foster success and growth of our member
CHRISTIAN CUTHBERT                                                                                                                      one of its offices located here in Kennett
                                                                                                                                                                                       businesses.
Genesis Rehabilitation Services                                                                                                         Borough, I have been involved in business
                                        COUNTY COMMISSIONERS ADDRESS MUNICIPAL
SANDY D’ANTONIO                         TRANSPORTATON ISSUES                                                                            management and customer service for
                                                                                                                                                                                       This type of effort will require not only action
Kennett Advance Printing House, Inc.    Improved mass transit could help with many problems, commissioners say                          many years. I’ve discovered that success
                                                                                                                                                                                       from the Chamber directors and employees,
ANDRE DIXON                             By Wm. Shawn Weigel                                                                             can often times be achieved by analyzing
                                                                                                                                                                                       but will also require an effort from you, its
Lincoln University                                                                                                                      your clients’ needs and taking the
                                                                                                                                                                                       members. With that in mind I would like to
CHAD FENSTERMACHER, CPA                 Transportation was first and foremost on the minds of local officials at a recent meeting       necessary steps to try and deliver the best
                                                                                                                                                                                       request and encourage all existing members,
Fenstermacher & Co.                     with the County Commissioners.                                                                  service possible. With that goal in mind I,
                                                                                                                                                                                       as well as new members, to try and involve
JIM HORN                                                                                                                                and the other directors of the Chamber, will
                                        Newly elected commission members Carol Aichele, Kathi Cozzone and Terence Farrell                                                              yourself in as many Chamber activities as
The Tri-M Group, LLC                                                                                                                    be focused on the development of certain
                                        fielded questions and addressed concerns from members of many local businesses,                                                                possible. There are many activities such
HOLLY MEHEW VMD                                                                                                                         programs and direction of policies in the
                                        townships and communities at a breakfast held by the Southern Chester County Chamber
Chadds Ford Animal Hospital
                                        of Commerce at Wyncote last Thursday.
DOUG NEEDHAM
Longwood Gardens
                                        Aichele said that planning with respect to roadway repair and maintenance was
BRIAN ROSELLI                           of paramount importance, as well as developing additional mass transit while also
Brian Roselli Agency                    maintaining the SCCOOT program, calling it a critical need for the county.
BILL STELLER                            “There is a crisis in Pennsylvania with transportation and road repairs, make no mistake”
Phillips Mushroom Farms                 Aichele said. “PennDOT has a $5 billion budget and every year they are short $1.7 billion.
BILL STULLKEN                           If you’re running a township and you’re a third short every year, it’s not going to take long
Southeastern Ch. Co. Refuse Authority   before you defer maintenance and the important things you need.”
MATT TUCKER
Pegasus Technologies                    One attendee asked about the ongoing Route 1 maintenance project, saying that the
                                        funding has now been pushed back and asking how the projects are prioritized and how
                                                       6                                                                                                                                                      3
EXECUTIVE DIRECTOR’S REPORT                                                                                                                           Continued from cover; Pegasus

AILEEN GLASS                                                                                                                                           The core of the PCI DSS is a group of principles and accompanying requirements, around which the
                                                 of your product line and make it personal            build your business, you have to make the        specific elements of the 64 DSS requirements are organized into the following categories:
                                                 by adding pictures. There are other ways to          time!
                                                 advertise in the Newsletter, and as a member,                                                          BUILD AND MAINTAIN A SECURE NETWORK
                                                                                                                                                                                                                               MAINTAIN A VULNERABILITY MANAGEMENT PROGRAM
                                                 you can have an insert sent out to the members       3. Join a committee! By helping the               REQUIREMENT 1: Install and maintain a firewall configuration to
                                                 or put an ad inside the Newsletter. Call Tina at     Chamber, you can help yourself. We’ve                                                                                    REQUIREMENT 5: Use and regularly update anti-virus software
                                                                                                                                                        protect cardholder data
                                                 the office to reserve your front page space, or      had great success at our New Members’                                                                                    REQUIREMENT 6: Develop and maintain secure systems and
                                                                                                                                                        REQUIREMENT 2: Do not use vendor-supplied defaults for system
                                                 plan your next advertisement. Call me if you         Meetings in recruiting new committee                                                                                     applications
                                                                                                                                                        passwords and other security parameters
                                                 have any comments or suggestions for the             members. It’s a great opportunity to get
                                                 next issue.                                          to know other members in a smaller group
                                                                                                      setting. It’s another way to build those                                                                                 IMPLEMENT STRONG ACCESS CONTROL MEASURES
                                                 In this crazy economy, everyone ought to             relationships and lots of fun!                    PROTECT CARDHOLDER DATA                                                REQUIREMENT 7: Restrict access to cardholder data by business
                                                 be trying to find ways to get their business                                                           REQUIREMENT 3: Protect stored cardholder data                          need-to-know
                                                 noticed. By belonging to the SCCCC, you get          There are so many benefits of belonging           REQUIREMENT 4: Encrypt transmission of cardholder data across          REQUIREMENT 8: Assign a unique ID to each person with
                                                 many opportunities to do just that. All you          to the SCCCC that it’s hard to list them all!     open, public networks                                                  computer access
                                                 have to do is take advantage of them!                In addition to the advertising opportunities,                                                                            REQUIREMENT 9: Restrict physical access to cardholder data
                                                                                                      don’t forget you and your employees are
                                                 1. Come to our meetings and make some new            guaranteed health insurance for as long as      networks; and a requirement to maintain         Tucker and his colleagues started Pegasus        In addition to security services, Pegasus
Welcome to our great new, updated, full          business contacts. When you get there, don’t         you are a member. Want more information?        a written formal policy to meet these           Technologies in 1998 with an objective           Technologies offers a full range of professional
color Newsletter! The Communications             just sit down at a table and eat breakfast!          Call me for the details, or call our agent,     objectives.                                     of helping companies of all sizes manage         services such as desktop and server support
Committees, both last year and this year,        Work the room – introduce yourself – pass            Taylor & Ochroch. Employee turnover                                                             and remediate security risks. Pegasus has        for Windows, LINUX and MAC, backup
have spent many hours trying to improve          some of those business cards out, then sit           does nothing to help your business, and         These aren’t the only data security standards   become a market leader in IT-based security      services, managing of e-mail and network
the content and layout of our Newsletter, and    down and have breakfast or lunch and talk to         offering health insurance is a sure way to      businesses, no matter how large or small,       solutions, and its Risk Management Division      design and implementation services.
they deserve a sincere “Thank You.” Thanks       your table-mates.                                    keep those employees happy!                     are expected to meet. The Health Insurance      (RMD) specializes in security assessments
also to Kathy Pilla of DesignDesign for doing
                                                                                                                                                      Portability and Accountability Act (HIPAA)      and the design and implementation of             For more details about Pegasus
the new and improved layout! I sincerely         2. Come to our Business Card Exchanges and           Don’t forget our SCORE Workshops! The           has changed the legal and regulatory            security systems.                                Technologies please visit their website
hope it will provide not only some interesting   network, network, network! If you need some          next one coming up will be about how to         environments governing health care and                                                           www.pegasustechnologies.com. To speak
reading, but will also encourage you to use      tips on how to do that successfully, call me! I’ll   make your business plan a living document.      the Sarbanes-Oxley Act makes CFOs fully         “Our RMD can expose vulnerabilities in your      with someone directly, feel free to call
the Newsletter for some of your advertising      be happy to speak with you, send you an article      Sounds like something everyone should           accountable for all of their companies’         company’s network and help you address           484-212-4048. A representative is available
needs. Note the new front page – an article      I wrote and a copy of Tim Walsh’s checklist          want to know about.                             financial data.                                 them based on the latest compliance              during normal business hours as well as
about a growing business in our area that        on how to network. Businesses are based                                                                                                              regulations,” says Tucker. “With the new PCI     24/7 emergency support.
is using the Newsletter to tell you about his    on relationships you build throughout your           Do you have any suggestions for future           “Today’s internet access can allow a hacker    regulations, any company that takes just one
company – Pegasus Technologies. Using            life. The Chamber provides the opportunity           events, more ways to improve the                to touch almost any computer in the world,”     credit card transaction a year should at least
that front page to advertise your company is     to build new relationships, but in order for us      newsletter or anything else? Give me a          says Tucker. “Organized crime has become        talk to us.”
a great new way to get noticed by the 600        to help, you have to come to our events and          call at 484-467-1389. I’d love to meet          more sophisticated in the buying and
members of the Chamber. You can tell the         put yourself out there! I know it’s easy to say      with you over a cup of coffee.                  selling of credit cards and social security
story of your business, give some details        “I don’t have time,” but if you really want to                                                       numbers.”




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