Association Member Trust (AMT) is a unique not-for-profit multi-association benefits trust formed to serve the group benefit needs of participating association employer members. AMT was formed in 1979 and was the successor to the New Jersey Fuel Merchants Association Insurance Trust, originally established in 1945. Today, AMT offers self-funded health and dental benefits programs, combining employer units from seventeen independent trade associations to maximize claim stability, administrative efficiency, cost savings and a full menu of comprehensive benefits. AMT operates in accordance with the NJ MEWA law and is registered with the NJ Department of Banking and Insurance. Even though AMT's Health and Dental Benefit plans are self-funded, aggregate and specific stop loss protection for health claims is provided by Horizon Blue Cross Blue Shield of New Jersey to limit loss exposure. Horizon also provides AMT with medical claims processing and managed care services, as well as member access to the Horizon provider networks. The Delta Dental Plan of New Jersey provides AMT with dental claims processing services as well as member access to their dental provider networks. AMT holds monies in reserve to fund incurred but not reported claims as calculated by an independent actuary. Additionally, the AMT Trustees intend to maintain a level of plan equity that satisfies New Jersey's Risk Based Capital requirements for self funded multiple employer welfare arrangements. The Unicare Life and Health Insurance Company provides AMT employers with group Life and AD&D coverage options that are fully insured. AMT Trust Board of Trustees is composed of representatives from each of the independent trade association’s Sub-Trusts. Currently, seventeen trustees, representing participating sub-association groups according to formula, manage AMT.

Putting people first.

In all honesty, people borrow from people. Founded in 2004 by Brooke Jacob, Everest Equity lives by a unique philosophy: Every mortgage, however large or small, regardless of what it is used for, is a relationship between the people who borrow and the people who lend. Sure, a loan is inherently transactional, burdened by compliance, and laden with paperwork. But behind each mortgage is a beating human heart and feverish human mind: The hopeful borrower pining to own their own home for the first time The growing family yearning to upsize to adequate breathing space The individual investor trying to carefully grow their fledgling portfolio The CRE syndicator working overtime to deliver to their shareholders The commercial developer striving to launch a community project The investment fund manager stewarding every dollar with honesty Beyond our formidable team of 40+ experts, powerful internal processes, and unparalleled national network, is it this humanistic perspective that sets our company apart from every other brokerage. When we promise “A Heightened Level of Commitment™”, we are positioning our skills, experience, relationships, negotiation know-how, and industry trust in support of your dream. Plus, of course, our own beating heart and fervent care. For all the same reasons, the nation’s leading lending institutions know us—and prefer us. On both ends of the mortgage aisle, everyone who deals with Everest comes to us for our closing reputation, and stays with us for our open humanity. We look forward to helping you discover, pursue, and achieve #YourEverest soon. The Passionate People at Everest Equity The Everest Equity Company, Inc. Registered Mortgage Broker, New York State Department of Financial Services. Mortgage Broker Licensed by the New Jersey Department of Banking and Insurance. Licensed Mortgage Broker CT, PA, FL and NC Banking Departments. Loans arranged through third party providers. Equal Housing Opportunity. Company NMLS ID# 1248