ANNUAL REPORT 2012-2013

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Contents

04 BOARD OF DIRECTORS 05 OUR PARTNERS 06 OUR VISION07 WHAT WE DID IN 2013 08 FINANCIALS 09 DONOR LIST

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DEAR FRIENDS:Throughout the 30-year history of the Fuel Fund, donors, volunteers and staff have come together to help our Maryland neighbors emerge from a crisis with hope and dignity intact.

In 2013, the Fuel Fund launched a capacity-building initiative that will result in more families receiving support more quickly. The Fuel Fund delivers crisis funding, and it is critical that the funding arrive quickly. The story of Mr. V, a senior living on his own who received help from the Fuel Fund, captures the crisis nature of the Fuel Fund’s work.

It was below freezing, with snow on the ground. Mr. V was out of heating oil. At 75-years-old, blood thinners and other medical issues made him even more susceptible to the cold, and so he was using his stove for warmth. His limited income was not enough to fill his oil tank in time, so he called the Fuel Fund for help. The Fuel Fund worker urged him to turn off his stove for fear of fire and carbon monoxide poisoning. Mr. V said he had no other choice plainly stating, “I am old and cold.”

The Fuel Fund worker called Mr. V’s oil company immediately. The worker explained the urgency of the situation to the oil company’s president, who in turn arranged for the delivery of 100 gallons of fuel the very next day. Mr. V is now safe and warm in his home thanks to your generosity and the trusted name of Fuel Fund of Maryland.

There are many seniors in our communities that face dilemmas similar to Mr. V. Our prosperous state still ranks 42nd in the nation in home energy affordability. Marylanders with incomes below 50% of the Federal Poverty Level pay nearly 80% of their income for home energy, whereas 6% is considered affordable. Together, we can make certain that our neighbors are connected to life-sustaining energy.

The Fuel Fund’s capacity-building efforts will…• Help us serve 19,000+ families annually by 2017• Reduce the amount of time it takes for many in crisis

to get help (from weeks to hours)• Expand our Watt Watchers of Maryland program so that

every household receiving bill assistance has access to conservation techniques and energy-saving resources

Mary Ellen VanniExecutive Director

James B. SmithPresident, Board of Directors

The Fuel Fund is profoundly grateful for the passion and resources our supporters dedicate to improving the lives of our neighbors. As we move forward in our capacity-building efforts, we look forward to keeping you updated. Please join us on social media to learn more about the Fuel Fund and witness the incredible effects the gift of power can have on the life of a neighbor.

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PresidentJames B. Smith Coppin State University

1st Vice President Jack Ramey Regional Vice PresidentFidelity Investments

2nd Vice President Michael Erdek Associate Professor Johns Hopkins University School of Medicine

TreasurerMichael SchmeckpeperVice President- Private Wealth Management SunTrust

SecretaryManette Frese Director of Executive MBA Programs Loyola University

DIRECTORSBen BallardRFP Editor, Vice President T. Rowe Price Investment Services

Jennifer BussePartnerWhiteford Taylor Preston

David CarreraVice President The Fund for Johns Hopkins Medicine

David Conn Energy Assistance Program DirectorBGE

Bob Frazee President & CEO MidAtlantic Farm Credit

Lindsay McCroryAssociate Venable LLP

David Plasse Vice President Commercial LendingCapital Bank, NA

David Saunders Senior Research Analyst Credo Capital Management

Terry Slade Young Sales AssociateColdwell Banker Residential Brokerage

James K. Wilhelm, Jr., CPA DirectorSC&H Tax & Advisory Services, LLCA Member of SC&H Group, LLC

Richard B. Phelps IIIPresidentCarroll Independent Fuel, Inc.

David Plasse Business Development ManagerSC&H Tax & Advisory Services, LLCA Member of SC&H Group, LLC

Jim ThiererSenior Performance AnalystBGE

STAFF LEADERSHIPMary Ellen VanniExecutive Director

Dick Doran Director of Program Services

Bill FreemanDirector of Development

BOARD OF DIRECTORSOFFICERS

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OUR PARTNERSFuel Fund of Maryland has 15 agencies that comprise our network of local fuel funds. These partners are critical

to our success in assisting low income Marylanders have the resources they need to keep their utility services.

Anne Arundel County

Anne Arundel Community Action Agency Two offices, Annapolis (main) and Glen Burnie, serves whole County.

Baltimore City

Baltimore City Department of Social Services, Homeless Environmental Emergency Services Unit (HEESU) Our only governmental local fuel fund (ended fuel fund service July 1, 2013).

GEDCO/CARES A program of Govans Ecumenical Development Corporation. Serves zip codes: 21210, 21212, 21239, 21218 (north of 33rd Street).

Paul’s Place, Inc. Serves zip codes 21223 and 21230.

Salvation Army Serves all of Baltimore City and some Baltimore County clients.

Samaritan CenterSt. Vincent DePaul of Baltimore A program of St. Vincent de Paul of Baltimore. Serves all of Baltimore City.

St. Mary’s Outreach Center Serves zip code 21211 only.

Baltimore County

Baltimore County Community Assistance Network, Inc. Offices in Dundalk, Rosedale, Lansdowne, Randallstown, Essex, Towson (Hillendale). Serves whole County.

Catonsville Emergency Food Network,Now CEFM Network, Inc. Serves the Greater Catonsville Area.

United Church Assistance Network (UCAN) Serves zip codes 21111, 21152, 21131, 21030, 21093.

Carroll County

Human Services Programs of Carroll County Two offices, Westminster (main) and Taneytown. Serves whole County.

Harford County

Harford County Community Action Agency, Inc.Office in Edgewood. Serves whole County.

Howard County

Howard County Community Action Council, Inc.Office in Columbia. Serves whole County.

Montgomery County

Salvation Army Office in Germantown. Serves whole County.

Prince George’s County

Salvation Army Office in Hyattsville. Serves whole County.

12% of Fuel Fund Clients

36% of Fuel Fund Clients 20% of Fuel Fund Clients 12% of Fuel Fund Clients

7% of Fuel Fund Clients

<1% of Fuel Fund Clients

<1% of Fuel Fund Clients

12% of Fuel Fund Clients

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PEOPLE WE HELP

ANNE ARUNDEL COUNTY

BALTIMORE CITY

BALTIMORE COUNTY

CARROLL COUNTY

859

2,506

1,426

517

HOUSEHOLDS HELPED BY COUNTYHARFORD COUNTY

HOWARD COUNTY

MONTGOMERY COUNTY

PRINCE GEORGE’S COUNTY

815

815

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The Fuel Fund serves vulnerable Marylanders in Baltimore City and Anne Arundel, Baltimore, Carroll, Harford, Howard, Prince George’s, Montgomery and the Southern Tri-Counties. The target population is families and individuals in Central Maryland who live at or below 200 percent of the Federal Poverty Guidelines. A representative Fuel Fund family has an income under $13,000 for a family of three, or is a senior or individual with a disability living on a fixed income. A two-income family, each earning minimum wage of $6.15 per hour, has gross annual pay of $25,584.

OUR MISSIONThe Fuel Fund of Maryland provides resources to vulnerable Maryland families, individuals, the elderly and disabled for heat and home utility needs. Our donors, board and staff support and advocate collaborative funding and services that ensure affordable energy to families that must overcome hardship caused by poverty and assist these families to meet their human needs.

OUR VISION IS ALL MARYLANDERS WILL HAVE THE RESOURCES TO MEET THEIR HOME ENERGY NEEDS.

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OF THOSE HELPED BY THE FUEL FUND WERE CHILDREN

7,007 FAMILIES 11,000 CHILDREN1,042 DISABLED INDIVIDUALSLIFTED FROM THE GRIPS OF CRISIS

WHAT WE DID IN 2013

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FINANCIALSSTATEMENTS OF ACTIVITIESYEAR END JUNE 30, 2013

UNRESTRICTED NET ASSETSUNRESTRICTED REVENUES, GAINS, AND OTHER SUPPORTBGE Solicitation Revenue

Utility Credits

Donated Facilities and Services

Foundation Grant Revenue

Individual and Corporate Revenue

Direct Mail Revenue

Newsletter Revenue

Other Fundraising Revenue

Investment Income

Net Assets Released from Restriction

Total Unrestricted Revenues, Gains, and Other Support

$

167,033

2,513,004

10,288

125,225

881,851

387,799

152,670

148,367

(525)

96,250

4,481,962

EXPENSESProgram Services

Management and General

Fundraising

Total Expenses

Decrease in Unrestricted Net Assets

TEMPORARILYRESTRICTED NET ASSETSContributionsAssets Released from Restrictions

Increase in Temporarily Restricted Net Assets

Increase in Total Net Assets

Net Assets – Beginning of Year

Net Assets – End of Year

$

$

4,410,825

124,401

172,325

4,707,551

(225,589)

14,438,711(96,250)

14,342,461

14,116,872

530,244

14,647,116

STATEMENTS OF FINANCIAL POSITIONYEAR END JUNE 30, 2013

CURRENT ASSETSCash and Cash Equivalents

Contributions Receivable

Expense Reimbursement Receivables

Prepaid Expenses

Total Current Assets

PROPERTY AND EQUIPMENT Furniture and Equipment

Non-depreciable Assets

Total

Less Accumulated Depreciation

Net Property and Equipment

OTHER ASSETS Contribution Receivable – Long-Term

Security Deposit

Total Other Assets

TOTAL ASSETS

LIABILITIES AND NET ASSETSCURRENT LIABILITIESAccounts Payable

Accrued Expenses

Total Current Liabilities

NET ASSETS Unrestricted

Temporarily RestrictedTotal Net Assets

TOTAL LIABILITIES AND NET ASSETS

$

$

$

$

344,369

8,130,987

-

5,685

8,481,041

(50,496)

21,894

6,225,223

2,576

6,227,799

14,730,734

74,526

9,092

83,618

278,405

14,368,71114,647,116

72,390

–

72,390

14,730,734

$

ASSISTANCE DETAIL

33% CUSTOMER PAYMENT

33% FUEL FUND CONTRIBUTION

33% UTILITY CREDIT

Every $1 contribution results in $3 of assistance

EXPENSES 2013

93% PROGRAM SERVICES

4% FUNDRAISING

3% MANAGEMENT & GENERAL

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CHAIRMAN’S CIRCLE $100,000+ Baltimore Community FoundationBGEExelon

PRESIDENT’S CIRCLE $50,000+United Way of Central MD, Inc.

BENEFACTORS $25,000+Citi FoundationEdward D. and Della L. Thome Memorial FoundationWashington Capitals Charities

PATRONS $15,000+Jean & Sidney Silber Foundation Inc.T. Rowe Price Foundation, Inc.Venable Foundation, Inc.

SPONSORS $10,000+Ruth FegleyPaula C. FrohringDavid and Barbara B. Hirschhorn FoundationLockhart Vaughan Foundation, Inc.Lois and Irving Blum Foundation

DONORS $5,000+Louise A. ArmstrongMary C. BuntingCombined Federal Campaign of Central MarylandAnne A. CoulbournJohn & Maureen Hendricks Charitable FoundationMaryland Worker’s Compensation Educational AssociationNetwork for GoodNumber Ten Foundation, Inc.The Pennyghael Foundation, Inc.

CONTRIBUTORS $2,500+Charles M. AbbeyWilliam C. AppelbaumBlackbaudJulia A. CassidyCFC National Capital AreaThe Dresher Foundation, Inc.Kathleen A. EllisDavid FreemanCarl H. GundersonJeffrey M. HowleJ. C. Crothers Foundation, Inc.James Riepe Family FoundationFrancis C. ManleyHarry S. O’Neill

Richard T. RadcliffeScott ShermanStream Gas and ElectricThe Marksmen CompanyDavid W. ThompsonJudith A. Wood

NEIGHBORS $1,000+Community Baptist ChurchMary A. EiselEngineering and Technical Consultants IncRobert C. GehrmanRichard D. HeacockJanet J. KrubaMaryland Charity CampaignJoseph G. MattosJohn W. H. MichelThomas L. MilanDavid MoldMorgan Stanley Smith Barney Global Impact Funding Trust, IncLila E. O’Meara-JudkinsThomas J. PilonKenneth E. RenningSean M. SweeneyVernita Y. ThompsonChristopher AndonAnonymousLee A. BensonStephen G. Cameron

Catholic Community of St. Francis XavierChesapeake Community AdvisorsWilliam C. ClarkeRobert A. ConnDavid P. CoombsWorth B. DanielsPatricia A. DavisSharon E. DissingerMichael A. ErdekBen EtheridgeJohn F. FaderBetty G. FinucaneWatson W. GreggStuart A. GrossmanRobert W. HelmHenry P. HornungPeggy J. Howell-JonesDaniel J. HursonImmaculate Heart of Mary ChurchTanya M. KingPeter H. LeffmanThierry MarbachMaryland Association of Financial Service Centers, Inc.James V. McAveneyJan C. MilesOwen Charitable FoundationGerald PageHarry F. PageLawrence C. Pakula

That energy takes many forms: natural gas, electricity, home heating oil, wood and propane—whatever it takes to keep people safe and secure in their homes in the icy winter and scorching summer. The Fuel Fund of Maryland helps avoid homelessness, because nonpayment of energy bills is the number two reason people lose their homes. We promote safe homes, because without access to energy, families often try

makeshift means to heat and light their houses, which oftentimes proves fatal. And we help children stay in school. The greatest tragedy of evictions caused by utility turnoffs is that children not only lose their homes, they also lose their schools, teachers, friends and neighborhood support systems.

DONORSDONATIONS HELP THE FUEL FUND OF MARYLAND KEEP PEOPLE IN THEIR HOMES CONNECTED TO LIFE-SUSTAINING ENERGY.

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David J. ParryGarrett PowerWilliam L. ReynoldsJames C. RobinsonRoland Park Presbyterian ChurchMary G. RoweMalissa RuffnerHattie F. RussellJames F. SchaubleMichael J. ScobieBayinnah ShabazzSt. Thomas’ Episcopal ChurchBrian D. StanskyKatharine StierhoffAngelina F. TaylorJames L. TeesdaleThe Arborvitae FundJames K. WilhelmWorkforce Tactix, Inc.

FRIENDS $500+Peter AlexanderCharles AskinsCynthia W. BallardBernard BartosMichael J. BaxterThomas W. BlakeyRobert M. BrennemanEric D. BrotmanDiana L. BuchananBruce P. BurnsJennifer R. BusseMaryanna CainJohn CareyDavid W. CarmanDavid M. CarreraR. Timothy CasselSheldon M. CaudleGregory W. ChesnuttJane T. ChristieCiena CorporationEdward ClappBeth A. ClinkenbeardMary N. CloseMarion C. CohenDelia V. Coronel

David L. CraineRichard N. CroneKaren J. CrookSamuel W. CushmanBarry D. DalyWallace DannJames T. DavenportMary A. DelaneyMichael DiberardoDorothy G. DillerStan DolenskyAziza L. DoumaniMichael L. DunnRoger D. EastmanPaul A. ElliottEmployees Charity Organization of Northrop GrummanBradley C. FineJon P. FishburnBravette K. FleetJ. R. FrazeeIvan H. GarciaWilliam W. GayThomas C. GaylerRichard M. GilliganT.E. GingrichShirl L. GrablePaula M. GreenCheryl G. GriffinGeorge J. HalpinIna L. HandlirKent R. HansenRobert B. HarmonJanet HealdJohn M. HearnAlan R. HeckRay M. HeltibridleStewart H. HendryCharles S. HirschAhmet HokeMargaret D. HosmerRichard HulitAnne G. ImbodenHugh IvoryJesuit Volunteer CorpsJUSTGIVE

Kaiser PermanenteStratis KakadelisChristopher W. KellyJohn E. KennedyJulie B. KeoughP. Max KerrKittamaqundi Community Inc.C. J. KlettJanet M. LarrimoreRaymond LeVesqueAndrea LewisDonald C. LewnsBarbara J. LindbergLinthicum Heights United Methodist ChurchJoe B. LowranceDonald C. Mac VeanAmy MachtAlexander D. MacKerellJames A. MagruderJohn W. MahaffayMartex Builders, IncAnthony J. MartinoStephanie A. MayJoseph O. McCraryLindsay McCroryGayla S. McGlameryAlan R. MeyerElizabeth A. MigliaraMiller Land Company, Inc.Miller Pipeline CorporationFrancis D. MilliganAnne ModarressiMaria P. MontgomeryHarold M. MorgansternMichael L. MyersStephen M. MyersJohn J. NicholasCharles E. NoellStanley I. PanitzMichael J. PellegriniJanet M. PiccininiPaul B. PiccioniVirginia T. PondJames V. PrengerGregory P. Prestel

Jack P. PugatskyJack A. RameyJohn F. RogersRaymond W. SalkeldAimee SannMichael P. SchmeckpeperSusan H. SchrockMarjorie S. SeidmanDaniel O. ShackelfordJames J. SheckellsDavid C. SillSandra L. SimoneJoseph E. SkillmanBeth SlepianJeffrey SmallwoodWayne F. SmithJo Carol SnyderLeonard M. StraightA. K. SumnerRichard SwerlingRobert J. TappThe Isaac & Leah M. Potts Foundation, Inc.Jennifer K. ThomasRobert W. TomlinsonHugh H. TraderFred TrenkleHenry F. TurnerMildred L. TyssowskiJohn J. VandeverMary Ellen VanniAnthony VattimoRobert L. WaldmanDavid L. WardSarah L. WarrenfeltzJohn H. WellsDaniel J. WheltonSteven R. WicinskiRobert J. WicksEdward A. WieseP. G. WilliamsDale W. WittigWomens Fellowship of First Presbyterian ChurchDavid A. Wynkoop

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ACQUAINTANCES $250+Mary E. AceyPaul K. AldridgeMoira K. AllenPaul X. AllenJerome R. AltAlbert E. ArmstrongSusan M. AyresMary AzraelAndrew C. BajkoLoretta BanksRichard P. BarthDaniel H. BassBeards Hill Properties, LLCJames B. BechtelJoan M. BecraftDouglas A. BemSusan D. BennettRobert B. BestDennis D. BevilacquaJohn R. BieleckiJames D. BlumJonathan BornsteinMarion L. BoswellPeter K. BrettingNorma BrodyAdam H. BrownJoseph BurkhardtMichael R. BurkomLoretta C. CainDonald F. CampbellAnthony M. CapizziClaiborn M. CarrAnthony CavalloSharon B. ChristhilfPaul CiaravellaBradley P. ClossHarry P. ColemanLinda S. ColemanC. R. ConklinJean L. ConneelyMichael P. ConnorPauline ConnorMarnell A. CooperJames L. Craighead

Glenn CrinnionDonald R. CulpMorris F. CunninghamJohn C. CurleyNancy J. CutairStephen R. DallmusJoni DanielsGwendolyn A. DavisRobert DavisTim G. DavisBarry R. DexterElizabeth DicembreJames DillonJohn N. DirksGerard M. DoyleBenjamin DuboisChantal A. DuketteLoretta D. Dumas-TurnerAlice S. DyerEast Park Liquors, Inc.Mary P. EdgarTad D. EdwardsJerome J. EganJohn D. EhmerAshruf El-DinaryBarbara B. ElliottSharon G. ElliottShirley K. EvansJacob ExlerRichard FagerGeorge C. FarrantKent R. FerrellJonathan M. FishmanLisa J. FleetAmy J. FlemingAllison K. FletcherDavid A. FormanRobert S. FormanHeather FosterDebra G. FranklinManette FreseJames H. FriedlineNeil FriedmanStacey M. FrithMichael A. GardnerAustin George

John J. GessnerRichard C. GethmannMaureen M. GilmoreStuart Y. GordonElias G. GouelAlexander B. GraboskiBrooke C. GreerElizabeth H. GrimesRobert R. GrimesSteven A. GroomJames D. HainleyJeffrey HasdayHatcher Design OfficeKaryn HavasRichard A. HaydenThomas W. HayesWilson E. HeapsRegina M. HerchakMichael W. HicksStephen L. HilbertRuth S. HilliardDaniel B. HirschhornJeanne W. HoffmanJoseph A. HoodHopewell United Methodist ChurchElizabeth S. HowardMartin C. IceMarsha S. JacksonRonald H. JarashowMarguerite P. JenkinsRobert W. JohnsCarol JohnsonRaymond T. JohnsonTommy L. JonesSteven R. JozwiakPaula M. JunghansKaren M. KabatRon KarpinskiFrancis A. KasperDavid A. KassEllen KatzoffPaul W. KeeneBernard M. KellyKim A. G. KilduffJ. S. KingTheodore Korzick

Marianne L. KrebsDorothy KrugThomas A. KurczFrances W. KushnerRobert A. LagasSusan LancelottaEdward M. LandEdwin LangrallMarylou LangstonAndrew LapayowkerLegum FoundationCarl E. LenhoffCharles T. LeveringLisa M. LiedtkeKenneth E. LipsWilliam C. Lohnes and AssociatesGeorge R. LoncarKaren E. LordGerald M. LoughlinWarren C. LyonLouis J. MacciniRobert J. MacLennanMacy’s, Inc.Brian A. MarkleyStephen E. MarshallMarian MartinMaryland Native Nursery, Inc.Albert J. MatriccianiKirsten MatthiesenW. G. MattonMcCormick & Co., Inc.Barbara G. McEvoyKathleen M. McGuireMarsha McHoneyRobert E. McKelveyTheresa McKentyDavid T. McKibbinFrederick A. McKinneyWilliam J. McLennanCatherine N. McNamaraMEBA Medical and Benefits PlanFrancis E. MertiKyle R. MillerMarcia K. MillevilleAlice E. MobleyMontgomery Plaza Liquors

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Susan M. MorrisElizabeth K. MoserBarbara C. MotleyJoseph D. MurphyKevin MurphyCharles T. MyersPeter A. NaglerJames J. NolanRichard W. ObrienRichard W. O’BrienGene Y. OishiPhilippe OurissonDeborah A. OutlawJan A. OvercashierRobert H. PalmBarry L. PalmerHelen R. PeddicordDouglas C. PerryKaren PerryKimber L. PoffenbergerRichard R. PollardPaul D. PollockJohn B. PowellHarry S. PrechtelJanet N. RamseyPatricia G. RayDonald W. RaymentNatalie RenierCyndy H. RenoffDavid P. ReynoldsClaire A. RichardsonDorna L. RichardsonRachel RichmondCaroline Rickerson

Rivermist Kennels, Inc.Lucy RobinsDavid S. RoffmanRonald RuhlRobert W. RussellCarol A. SchaalHarry M. SchillingEugene R. SchnellKurt R. SchwarzGlenn R. ScottHenry A. ScottDonna M. SeegerJohn J. SerpRichard J. ShakerDavid B. ShapiroPatricia ShieldsDonald J. SiewertPatricia E. SmetonCarolyn L. SmithJean G. SmithRalph S. SmithOliver B. SomersMary O. SommerfeldtJeffrey SoulenStanley Black & Decker Inc.Don SteberKenneth SteberPhillip A. SteinRonald SteinbergM. Leo StorchRonald L. StraussJohn J. StrouseJohn R. StruveRichard F. Styer

Michael L. SullivanM C. TadderJo Anne TassiWalter TateConstance V. TaylorThe AIG Matching Grants ProgramThe Associated: Jewish Community Federation of BaltimoreDonald C. ThompsonCalvin TimmermanMichael G. TinneyEdith A. TraceyJohnny TsangKaren TuohyJames S. UhlesSteven W. UnglesbeeFrederick M. ValerinoRobert A. Van WesepRoger A. VasconcellsJohn M. VincentDale E. WalkerAudrey L. WarrenThomas L. WattsGeorge S. WeikartDavid A. WelserRobert W. S. WestJohn B. WheelerDavid R. WhitakerJudith C. WhitakerCarolyn E. WhiteWhite Marsh IncMary A. WhiteDavid E. WilkinsonAnna M. Williamson

Jonathan W. WilsonWM. Watters United Methodist WomenMitchell WohlbergArthur E. WoolleyWords of Life Ministries, Inc.Eric D. YoungJames R. ZerrEdward P. ZuskinGary E. Zuzak

This reflects contributions recorded from July 1, 2012 to June 30, 2013. If you should be on this list, or if your name is incorrect, please let us know.

THANK YOU TO ALL THAT HAVE DONATED!

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