BEGIN:VCARD
VERSION:3.0
REV:2026-08-20T04:22:26Z
N;CHARSET=utf-8:Billok;Michael;D.;;
FN;CHARSET=utf-8:Michael D. Billok
ORG;CHARSET=utf-8:Bond, Schoeneck & King PLLC
TITLE;CHARSET=utf-8:Member
EMAIL;INTERNET;WORK:mbillok@bsk.com
TEL;WORK;VOICE:(518) 533-3236
TEL;WORK;VOICE:(518) 533-3236
TEL;WORK;FAX:(518) 533-3299
TEL;WORK;FAX:(518) 533-3299
ADR;WORK;CHARSET=utf-8:;Suite 201;321 Broadway;Saratoga Springs;NY;12866-42
 81;United States
ADR;WORK;CHARSET=utf-8:;Suite 501;22 Corporate Woods Boulevard;Albany;NY;12
 211-2503;United States
URL;WORK:https://www.bsk.com/people/michael-d-billok
PHOTO;ENCODING=b;TYPE=JPEG:/9j/4AAQSkZJRgABAQABLAEsAAD/2wBDAAUDBAQEAwUEBAQF
 BQUGBwwIBwcHBw8LCwkMEQ8SEhEPERETFhwXExQaFRERGCEYGh0dHx8fExciJCIeJBweHx7/2wB
 DAQUFBQcGBw4ICA4eFBEUHh4eHh4eHh4eHh4eHh4eHh4eHh4eHh4eHh4eHh4eHh4eHh4eHh4eHh
 4eHh4eHh4eHh7/wAARCACnAKcDASIAAhEBAxEB/8QAHQAAAQQDAQEAAAAAAAAAAAAABgMEBQcAA
 ggBCf/EAEAQAAEDAwIDBgQCBwgBBQAAAAECAwQABRESIQYTMQciQVFhcRQygaGRsQgVIyRCUsEW
 M2KSorLh8NFEU3Jzgv/EABoBAAIDAQEAAAAAAAAAAAAAAAACAQMEBQb/xAArEQACAgEEAQMCBgM
 AAAAAAAAAAQIDEQQSITEiBRNBI2EyUXGRobGBwfD/2gAMAwEAAhEDEQA/AOyqysrKAPD0ODvVNc
 e2ybY+Lmby/dtXxAUhIUPlHgKuLnNaFr1p0o+Y56Vz5+kXdWLm7FfgzOZHjq0rCVYwrNZtS0o5+
 QROcM8cXC3z248+b8UlCjrQBgBJ6VcsN9EmK3Ib+VxIUK5TlXWw/CW1ZnOtS0rAe0jOoetdIdn9
 5iXjhyO/HdCsDTjodqKZvdtbAnZS1NxnFoTqUlJIHnXIfareLg7fpRlNyENLWcak4RnyFdg1Rf6
 RUaNLuEKHJDbMRocxQQAHHCegHl71GqgpRzJ8IeEJTe2K5ZQ3C2l26rdjwX3nkpGWwjKUnzPgKu
 XhG+O22fCdeWW22d3A2dRPpjp96FIikFkNMNIZjp+VtHT6+Z9al4aUlOkJwPPzrjW6xKXijuaf0
 aOM2P8AYu+39oXDsohKnZEfPi61t9s1HdqTVruPB8i5RnW3VtDKXGcKP1xVcQ0J0YCOnQ0+jvuN
 BaAVJQ4NK0g7KBq2PqTmnGxcMa70aOM1vn7lCXxaEXZciY0rljcKI61vI5VwhIWVBTCd1AD86ne
 1+0PWZoSkNuP258hPM66Ffyq/ofGguI7zoaWGpYYCTuk9CKz7H+I4E4OuTjJckvBajKmoxMXy07
 hsnYCii6XZ9uzRYEKOFtBwlRV13quPi3IkoFnS6lxOg+lTTc2ZELCm3g4tIyR1ArPapR6l38EIn
 ZkRkIXMeW4lZRhAUNs1HNTy2pSnF8xSEbNppR+5OzoLjkl9SmCMYSnoaiIjSVwXTH1pczhbivEG
 kgnj6nXRP6C9vvwnu8p7LK9RDZA+xpEzfhXD8cFlpKsq88+lRlutaojhlOuhZSsqThW9KX2cxJg
 6lN4UvbruaeNUFLEOhTW6z0SZThiEtowCQo1lRcJfLDqko5h2B1DpWVsgowW1fAH0foF4346t0C
 33GO3zS+wAkqGwBNHNc5du5VbuJ32UPqDUsBbiMeVdrUzcIcEoOez/AIpQFtQphQmPLQVKW65kl
 R8KrPt6sirE+4lpTT0aXlxsD+DegiXdZOGHo6zrZOU4PhVtszoXGHAjEC4RG1zgMNOOHyrDXcrl
 tb66JksHPDj0tDiVqbUsjCgPSrG7O+MbzD5DbevS86AEpPStbrww1aruFTdCmlslWlBzpp3wzbG
 bGpuY3MYlB/vMpAyGjnxNGxOXDwKmdKSOIolt4OVeZTgWGWhqGrdSzsE/jXL3EvEE3iPiF+4SXC
 vUokeQ8qm+0S5u2+zM2dq4fENyFmS4B4HBAH3NCFoZ1J36EVXrLnOKidz0upR82ENoB5eCM0T2u
 KCgKAqJtzCUsDJGfaiW2FKGsGuU4HcVo7jsYGwrdbW2QM0qyR0xg0voBSalRDeRrsaLcIki3T2E
 SIryNDjaxsR/3xrm/j+xPcLcUPWtKlqZSQthauq21fL9fA+oNdLFGhazjG9Vj+kPbmpdhtt33St
 h4x3VpGTpUMgn0BSf81bNLLd4M43q2nUo+4vgquUlhqGnlBxDpVlRO/Wn60PMtMhghwu4DpqJtT
 T6Fh7vyIiVd4kdSKdXp11ZQmP+yS5v12FRPKkq3ycBIJG3gm2vww0lpad048aiHphjMNNvHS6oH
 OPOko5krilZ7ziAE7b59akXbA09GbdXIIkFBUEDpWeU4x4n0xks9A45JeJUobnGMedKyYz0lltb
 gSyUpBTjzqbiWJmSW47AKZGxXnwFP37fAYQ8HkFak4ThRxmiephvUYrkNrBe2JXK1R1pw4o5z0B
 xWUUSba7CjJcbZSUKAOsetZRHVVy5iv6IaZ3Ss6UKVjOBmuX+2biuVcbnJQ/aWm1x1FCFn5iK6h
 VnSQnrjaub+0/gTiiXxBPlNth0KBUHCe7g+Fd7WqbitoIoV9yWmSp9AUnUdkpOxHlRRBuUyI7CU
 iUtC1EFTQOQBS/G1hmWKBzpUTS3pS2haegX4mh6xNLkRHZKHNTjS8rz1x51hujtg0lhkrktlVwg
 cQ2t1D6uXIYRhBGxc9DQ9YlzZ7L1mC2Yq21ZZTjx8iaFBd20lSeapOdkrArSFJlwbmi4oUVJQrU
 o561TTbJLbIGid4xbfafjMO41tN6FYOd8mnnD+CzhX8Ipve3k3ICahott5CAknODvn/z9a1t0xl
 r9kk61eSdyT5AU90M9HoNJ4wSYZ2nC1Yz9anghSCkDOQNhQFb+J4bD/IfYejO6sAOpI39+lGVuu
 XxjC3GgFcvHTeszqa7NysT6J637o7+CT1qRbCEgeFAk3ip2JK5MSCp9w/MSrSlNT1iu06YlC5MV
 trPUJc1bUyrwgcyQuQCGirPWhfiqKLpwndIWkKVyeYjV/Mk6h+VFUvDiCFbDwFRA0hzlA41HCsH
 cjypVmMsoJwVlTi/kpRuPIj2tZmIQ1zAVcoDpih/4luYytIYAQySUk0edqEeYXg84W/7xba8J0k
 JCtvsoD6UNOWdKIC1Le0NbKSB4iq5OMfKT5yeW1FDptlW/gbQOeIiWGmsc3qoHpU20iU2wUqKSG
 RlKx1PpSBEVtqI61gsacHB3B8zQ3MvTqZimEOlISo5KjsaRwlYtyX7laeES0O7uJuipD5KJA20N
 jqKUXzyj951v8xZWEqG6RStqEIpjvPpbRIfTnWoeVbXW5SHE62W2jo7uU/xiqIv6vjH/ACShkt+
 YSYgkFbWNQSFdKyouVKP6wbfbbMclGlSDWVo9iT/AlgU+h1QnGdoXeLK5FZWUu5BThWM1IQbjDm
 jMZ9LmfKl3RlpYCtJwd/KvVvEo/YU5L7Qm5qpk+0XR8FMdQ0pByE58arOO8iC3Lix3ihwd3UB8w
 NWv2gxmf7R3Rp+et5SyQSU438KErdw9GLjAmKb5jixqJPUV592uuTe7P+i3a/yAa2qU/L5WdhsA
 fzoyYiMwbHKkLdbf1ow2gqwoHzxUjxTwtb7Ve2/1a+C42CpbhHdIPlQxenEpmIjBet3qpxScDTV
 9kUkngTJNw31O8PxwnClJcOSfHKQQaaKbvbbgFvdt8Nahup4lSsenQD6mm8OYhiWuCf5UrRjoQA
 E/mKMLG2JMFQdSFpVvhQFRZJxawei0tXuoC0McVkuIu95hS0HHcbQnAG+dwn286srskeQIC2idS
 kZ1Z+1D9/biw4vKZ0BSj8icDNTvZalpKHMABTp3FVSm5ro100KttNjbjHhmW++taFSXWHFFSg0v
 BGfvt6Ulwbw5bLdhrn3958nOXp7qEj0wFAfaj28OGLDWpxsqbR1IO5qFtkuBKeK2nkk53BO+aTf
 NLai2NEJPLCFpjkwv71xxWOq1ZI/KoB116RNkMRVBEpLRU0T0Cs1JTbgzHaCFLwFbHfpQ7bpHxF
 4alR0KU04Qhwg521FJ6e9LFc4GyokL2kOLXCs8/uBT6ll1CvE9wHH4fehOaxHXJdRJcWhpI7oB2
 JNHfa4I7jcaKjlp+GbWoDHQqIwP9P3qmX7tKbeIVlbZ7uCeh86ranKUoxZ5f1KSepm/+6Np8S4Q
 AVsy0YdOhLZ9TtUlabbapMKTDuCyLuhex6jTjNLRpzM6OyiS0h5TIyFeeKcWSMlm8PT0xzzHkZw
 roKsercK5Jx8kvsYUuRq6h9q1h4upeS1lIOnomkklhVrUW3lNvEagg7ZNSVzemPMqjMstLCegSN
 /rTSPEWYy35AS5k6VYG6axxnmO5k/INzZDy2gXD+0PjWVMRWbetEhK05WFjR5+tZXSreY9YDa38
 nVHZzxhbhJZYkSm47QTgBQ3Ur3qdu3aCBNnw4DbawwglLhPzVz1KlrRH5xQQW0Y0pG+ayx3Z9wo
 ekB5s9VA9SKoXqU41Y+F+XZZtWRDiy5vzZ5nPDKnnSpRz0PlQ85NmSjzG1IDiVAJGcYx40Yz3bP
 cYxjJj6HQsq5oPhQHOKf1gtcdspQkaUf4jVdGLOV2+QzgLQ6++ES1LS+80nTyydlZodnW+fMmLL
 yCp3Hd0+A8hTKI/KbbWVIcBGSBSa7jeJb6XYgWpLQ1EJHQDrV2mU4ycJPgiWBLjSLJsyrfPdbdR
 zgUHVtkAbfenr/GbVpt6V61KWruJT0ycZNZxu9Mu/CQZcC3HG8OskkHSADkfiaAZtrfunDTakuA
 PMuknKtgMY/77V0tkZYOjpdVZCDx2OOJuP58hxJhoDRT3is7kk1IcK9qt5tDCippDzgGoEDHXzq
 Hs9g+KtsS5RkqWkH94jq0qUoDbKSfyP8AzVt8P8IcCyg447GvSm9OU5ba3OM46eByPwqWq0sYLo
 Svb3Jv9gEV2m8U3KRrddGhwfJucePQnHl615P4vnxD8Y3KLckFKgSnAPd3B8xV6xeDuCjGWLRww
 px/lgIkSXSjfcHYdMDfp+FUp2h8HxrJcY8TvyAp8LluDceekZzhIG9IvbcsDydyg5NsI/7XzLpb
 raXEq1zUJIwNwTv1+h+9HvAzjUOzqS+vS6Spat/lJKif9x/D0qv2ExXHIUaChbQZHd1JCdI0LST
 j6n8aPuELOu5XIkDU264Wm8E94A7q/MfjSRr8sIaV/i22RdytTH9hRJflvyJoWVLLudSgehyetV
 JemEpDinNaM/Lt1ruLiXs5tF2sSYrSOVIQyltDnlgdaozjnsQu8J8SX7gxIhpG2TpNWz0rVsprp
 nnnyU5wxMjohuxFowM91fjRMu6SVNNQmY4CUDAePiKacU8O2yDdfgIj2IyUBSl+OrxFN7c+GQ2p
 TilMA4weoArjaqmKlJjRZPwkKkLakJj6CgYWo7BVRdxucdhqSj4cpcKsNgHY0om6SJLMnlvoEcp
 IRnah6XMbcaYW8noT3x1zWamrMnnolv8AIUhPIjvKzHWZfU7bAGsqPRcVuSlqbWVH+Y+NZWy2rd
 LPBCZYMqbLZeSw4424FKzzAegppKucuRdFJio1NBACl+GB1p3cGY7kwLaZUV40AYyDTa3uOR2ZU
 R5SGVpB0gp3INYfHbvSzx+n8FvPR67dExWExwAnmK7igMk03s7BudwQkgtqZcJyelRN1k6Ux3m1
 YLJ3SR0p/a5n78y8h5KApOpYz1q+bsVfg+SFglri6001IiupSJA/iB2xQ+9fpNtU7BaaShkp05A
 3OfWo+ZIXLnS1lzQnV4nY1L/CRpURALKVLWjCnM/Kasr+jzL57IfJF2W6tpddt0hxKmXklKj4gH
 wFLXKySYDqYyDrizNOpQGMjO3ttn6/WoC4WyRCnnvI7hB6/OKOBIgTrA5JQ+tBb5aEtqO6VeWfX
 yrrVW7sOPKZMG08CnFNgTw8y25aGiw1y9XLVuNvHPln8gaGo/G14LTzLUhLISApKm0AHBIG/wCP
 jVr26Uze+FVMPKBXyw36Ee/rtVKC2fCyylcdwaXVYzkHIVg+pGNI+lXOpNm+rUSUcZDvhziq/T2
 WVNXV8IJ7w2wSOuTtVlcKcLi6cKTZNwhNrdKS40p9OSApIOc7+f2+tVLwm0/+s4tt+GS2lbvLU3
 jJBVqzn2x+f06OkSGbbw0lvmIS4tjRpPyrVpOf670kaknuHtvco7UVfYbfb2ozi5DJUlRICTj5l
 HSr38Op6ZpzcuMx2eIst7DKXHH5wHIO+uOnPOUPXvIAPn7UVcJcHvSMT7srkQ0JJS3qxqBOon/C
 kn6n7nnPtX4pHF3G8yfGIFuYxFgIAwlLKM4IHhqOVfXHhWuil53yMdtyxsifQW1z4l0tsa4wH0S
 IklpLrLqDstChkEVFccWld2sLrDKkh1PeTkZ3FcqdgXbc9wPbzYL7Gfn2ZJK2C0QXY5O5CQSAUk
 5OMjBJI8qvOJ2y8HcXcNyzwpfm03JLRUI0hBbeTt/KevuMir5dMyHPvGUYqvjjM5r4dKVaVr8zQ
 HcmQme40wp3lpVhJ8DRZxiu53G2TLjJkBTqHO8D1Vv4ULRnVybQVNnJZSVLCjg5rz/tScs9gSLS
 YrqmIoKwpeEKAGN6Su9rjFnkOa4rreRlXQ0wTKkxJLKioIDiQSoj5fWnd2i3CchLrZU8lagOerY
 GqopJrH6jL7kQhgsgtpCVq884rKl7jb3YT6Ctlt1enfSetZTK2trK/slxSCeCiY8FMsFQbTvnxF
 MZcP4t9KlzS6vOOuCAPOpF08i08xtxalr2BRsQaF4yw1JUpalA7lRPiaw0b25SQzJK8xoxZSvUE
 IKwgkn71GL0R1rSUBSRsk9MitpbRmQdOpYy4AAQeppO4OpalFqW4ENR2wlThOE59600rctsnkUa
 uSHTCc5aAUoXnGKcR53KgrdlykxmFDCiVBIFCl64vgsNOsWyPznlHBeWSEAeifE/93oNmzJc53X
 JeW4egBOw9h4V0YenOxeXH9kZDO7cQwVSwmAp6bo6uOdxHvvvj8KKeNkSLV2aWeQpIbky1Imu6Q
 QNzlHX/CE/eq24Rtbl/wCKLZw6xn98kIQ6pPUIzlR+iQT9K6A/SUhtNcJuIQ2lHKYRywOgGoDau
 rTpoVx4E3eSByyXWbb8qiuqTqGSjqFD2peffIEi4CZOtzjTudyh3Y75zuNt/wDvjUXw863OtDDu
 cuBA1EdQcVZvBfZ3duIWm1TmREgHfmrT33B/hSfzP3rHWpuW2KOrYq0t0ht2cz7dOv2LPCTNujh
 U4ckrIJ6kgDCR07xx0FXdaOFl8xudfXxLkoGUND+7b+niaecEcH2XhWB8NaYTbAVu4sDvuHzUep
 pzxhfYfDvDs28z1hEeI0XFeuBsB6mujXQlzLlnMnfniHCKo/Sb46RY+GzwvbnsXK6IKXSk7tR+i
 vqr5R6Zrl1pISjHrTriTiSbxTxNOvlwXl+U4VJTnIQnolI9htTRKhuBn8KaTyLFYQtq0d7VgYyT
 QozcHWJSZLBLTqTqCkKIINTd2kaIbmnqUHw6bUMEbUoxY1m44VLZTGvGpwY/vAcnPmfOn7bqFsq
 PxCEsLJwU75qsGHNPjUxbLm9EcCmlj1SoZB9xWOejhlyhw/4DGQ9ivhyGTLZU+EDuHHUUpJnPLh
 RlMa2mWld7CtvbFR9k4viMoLcqC3lY056gZqagO2iWVJbUvkacpQCDvXMvptqz48fYlLJDPXd12
 erTlScdD4VlJyGkypihGaKSdk48hWVUowiscDtBHAmuPc5LSi4hRy3k7g0zDjjDri7hpTGRlS1n
 wxv1pnFcdjSgmP3wdk6aGe0G7yUxE2nJRzF813zPgB7bE/QVFGm32bF0xWz28cdSnFratx5EZKi
 Uqx31eufD6UJ3O6Tbg4VypDju+2pRNMiTjFaHbxr0FdMKliKEPQvSvJ6HatgvGSKSO+1KITqwn6
 mrQLB7C2lMXG839LnLdgQ9Dbni2p0kagfPSlY+tHvAEF3i3s9vEPiCfIIkySqCtxJU42DjvZPUa
 gCUn1xuciB7POG5sPgmWytCku36Sw2lONw2hK1LPtpWke5q5oNnFmtkBtDSQ2lISoAdCf8AmuhC
 pe1tfyYJ2tWNo27KOzyPwvw6y7KQzKurqdbjqiCGweiUZ6YHj1Jz4UTWq/yOF+IAXVLetklz94Q
 Tnlkn+8T5EeIHX3otVCZZYDQSnCUhI28qG79bRJbUy2jvLwnOOg3z/SiuMIrGAsnOT3NlqJWlbY
 WhQUhQBBByCPOuYP0weNi7LjcFQXcoRh+bpPU/wIP+7/LVtW7i6HwvwjNau0jH6siqdaUo7rbT/
 CPMgkAe4riq/wB3l36+zr3OXrkTHlOq36Z6AegGB9KzWePBpre7kYKVpOQcEU6bkhbROrCuiqYO
 KzmmsoFTakpUpBIxkGqC43uE5k8xnUVrKSAB4H1pm0CRvWrTCEDAGPOl0jA2x0qAQmralGl4O1J
 rBrxGRnegkdtunPUVKWhbyl6mXFox4g9ah4jS5DuhOcdVGiSE2hlASkYAqQJ2Bd5MRYXoacUAd1
 jr+GKyohxekYznfNZWeejose6UE2SpNBTb3AlICSkhA3UB0qs+LJapt/kvlWUhRA9hsPyz9aOFS
 TEgLkJOEpSVEjptvVaSXOY6vHoPtWXQVpOUkEhI71osYpTHlSa/mNdIU8T1ol7O7J+vuLbZa1IK
 kSZADgH/ALae8v8A0g0NIGVYHjV+/op2BL96uV7dbGmGwllskfxL3V9QAP8ANTVrMhJvEWW3AtL
 LLwQhpKQ3+zbH8oUcnHlk70SzoiHHY7JHdLqM+2RXlojh+erbbC1fgMfmaloDQeubKVjOGtf2x/
 Wtrk2zFFYRIL1PKwnxps+kIUtCB+0KgkfgDUstDTbCeUrv576Sk/Y9KHp8hTUWVJJCVlSkNknxJ
 xn8KVSyh9pzv+k1feddo1ijL/ZgFS8HqkH+qgf8tVAohKcAf8VMcaXcX/jC5XRCiWFOcqP/APUn
 ZJ+vze6qg3zttWWyW5mquO2OBFah160koajscitlKI60ktWlGlJ7yvXoKrHEtWSf5RtnzrckY+l
 eoQCkACsI9vxoJQmRnNakYB887etKY28K3jN8yY2jw+Y/SgglLYxyGADnUdyfWpBGSNjSCc9NxW
 7IJ3SScfnUgLIS4VHPeHvWVu2o4I8c1lSAne31NWiQ2SRqwlI9zv8AbNBOe8o+ZNGPHa20pYZb8
 Vk/QD/mg1OdOay6SOKyW+TYe9Iq6mlk9DSCup960kC8FOp8Z6CuvP0doCbf2TtS+XodnPOuqz1P
 fKAfwQK5Ms7ZUo6caiQkZONya7qstrRaeGrVZmwAI0dtrboSlIGfqd6uoXOSm58Evw+yEuuqxuh
 gA/8A6Of6U+trWm4Nu+AiY/1D/wAUnZE4XM9OWn7GnMY6GsjroCfwKqvfZnR5dpnw8Z13Pyp29/
 Cql/SM4jVYuAzAZWRMuOYyMHcBQJcV9E930KhVicRLLioMQE4kS0BX/wAUAuH/AGY+tcrdv3EZ4
 h7SJbLb2uJbCYrQ8NYP7U++ru+yBVdjxEtrWWAbSeW0AKRfVlR8MUopXUbnem6zkny/OsppE1kD
 Kj8opBOVkqV1O5rZ86lhA+UHJ968SMYoAUSkjpn0r0p8NulbpTnJ/CttI1e9ACKU5PhS9pGZzx2
 7qQn+teIQcE+Vb2PcPOY+ZR/DNSgJZASR1Oa9BOSMnb0rRBVjGOor3fVuPKpIFUKwcEmspNPzZH
 vWUEkbxpJS9c0JSCkNtBJHmTk5/Kh4fKKysqqlYrQfJuBkU3Udz71lZTsAg4Pt6rpcYNsaOlyZK
 bjpPkVKAB+9d5oSHJ4Rj5E1lZWinootHVn/APWnzkJH2pQK0tqHkoj71lZVxQgG7UOITw7Z5l6S
 NS4UB0tAjI5zikIb+mSc+hrj1JJ1LdUVrUdSlE5JJ6n3rKyqLu8Gijps0WrbYeFIur0p9egrKyq
 S4RAA2yTXqUd4VlZUAOG0bb4pRCCT6YrKypA1dIaZWrrgZrWyDEZPjkVlZQiCVQTgZPStwdRBya
 ysqQRsMdDWVlZQSf/Z
END:VCARD
