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Michael DeRienzo Department: Securities Lending “Smitty” that was his name to The Securities Lending Family. I worked with Smit for 6 years and I do not know two colleagues who were as close as we were. We gave each other a great deal of respect, we accepted each other for who were, we laughed together, fought together, but most of all I know we were best friends. Smitty, you will never be forgotten for your personality, sense of humor, sarcasm, bright smile and most of all the special kind of person you were to all. Although you are gone, they cannot take away the most important thing you taught me about life “Stop worrying about tomorrow and live for today.” Smitty was a huge sports fan, athlete and traveler. He ran the N.Y. Marathon in 1996 skied out West and visited numerous places including his most recent trip to Nepal. To your twin sister Lisa, I promise you I will be there for her for whatever she needs, while you and your Mom protect and watch over her from above. I know you, Steve, Joe, Louie, & Lorraine are our angels watching and protecting all of us who miss you so much. Love, Karen Karen Costagliola, Friend