Annual Report 2015 - HFLA of Northeast Ohio

ANNUAL REPORT
2015
President
David Edelman
Executive Director
Michal Marcus
Vice Presidents
Lisa Lowe
Wendy Albin Sattin
Secretary
Roz Quarto
Treasurer
Larry Dlott
Immediate
Past President
Stuart J. Sharpe
Board of Directors
Marcia Coven
Bruce Fallick
Michael Fine
Philip Fine
Zeev Friedman
Lorie Gelb
Laura Kleinman
Marianne Lax
Janet Shapiro
Ben Zlatin
Board of
Directors
2
Life Members
Naomi Adler*
Joseph Babin
Keith Belkin
Bert Chernin*
Lewis Frauenthal*
Phyllis Gary
Leonard Senkfor
Peggy Wasserstrom
Office Manager
Roberta Roth
*of blessed memory
“
Your institution could not
be better managed if it
was a United States bank.
[Investments] pay 100% in
upholding self-respect, in good
citizenship and benefit to the
community.”
Mr. Jacob Schiff, Philanthropist
February 6, 1914
111 Years of Planting Seeds and Growing Community
H
ebrew Free Loan Association of Northeast Ohio was established in 1904
following an influx of immigrants. They were jobless, often without established
families, and searching for a way to build a new and better life here in America. A
group of visionary Jewish men pooled together $501 and started the Hebrew Free
Loan Association in adherence to the biblical directive that money be lent without
interest. There was an expectation that the loans would be repaid to the loan fund so
that the original lenders’ generosity could be paid forward.
F
or 111 years, HFLA has provided thousands of loans in response to the diverse
needs of capable and able people without access to capital. For some, HFLA
provided the funding to begin a small business. For others, it was the opportunity to
acquire an education, pay off a “payday” loan, secure a vehicle for transportation, or
make a down payment on a home. The needs for loans have changed with the times,
however, there are still individuals who need support and are deserving of support
from Hebrew Free Loan Association. Their respect and appreciation for HFLA is
evident in that 97 percent of the loans made are repaid by loan recipients. Though
the name of the organization reflects its Jewish heritage and ideals, loans are made to
individuals on a nonsectarian basis.
3
After nine years at HFLA, I still
get chills from the stories of people
we help. I wish each of you could
be present for the hugs and tears we
receive when we help someone pay the
final fees they need to go to school or
train to become a barber, a firefighter,
an EMT; when we tell someone we
can help them pay for their car repairs
so they can get back and forth to
work to support themselves and their
families; when we help a woman pay
off the “payday” loans she took, with
interest rates as high as 700%, thinking
this was the only way she would be
able to escape her physically and
emotionally abusive spouse. There
are so many stories to share and this
report highlights so few of them.
It’s 2030 and my self-driving Apple
Car is delivering me to work when a
bus drives by. On the side is a banner
sharing a list of ways that interest free
loans can help you in times of need.
I smile at what we have achieved
together.
No young adult is skipping college
because he can’t afford the book fees.
No longer does a broken-down car
lead to a lost job. No longer does
a hardworking person find herself
unable to escape a 300% interestrate predatory loan and crash into an
unnecessary bankruptcy.
This is not a dream. It’s a plan.
In 2013, we committed to taking this
111-year-old organization from being
Northeast Ohio’s best kept secret to
a well known and trusted community
resource. Two years later, the results
have been remarkable. In July, we lent
more than $70,000, a number that was
very recently a six-month goal.
As Executive Director, Michal
Marcus has cultivated outstanding
relationships with clients, community
partners, and our financial supporters.
She gets a lot of credit for the massive
increase in loan applications and the
stellar repayment rate: over 97%.
Likewise, the caliber of the board
has never been higher. There are no
“bench warmers” here! This is a group
of hard-working people committed
to building a smart, effective, and
sustainable organization worthy of
the 1904 mission to help Northeast
Ohioans succeed through their own
efforts.
Now we are looking forward to
2020. Our vision is to grow our loan
fund to $2 million and continue to
professionalize the organization to
I am heartened that after 111 years,
we still have a community dedicated
to helping us fulfill our mission, that
we all believe that people want to
be independent and don’t just want
handouts. With the very hard work of
an amazing Board of Directors who
give hours of volunteer work, HFLA is
poised for growth. We have deployed
our entire loan fund, in excess of
$500,000, and the need continues to
grow. Each loan is a testament to the
power of your investment.
needs our growth, which will ensure
that our neighbors can live with
dignity, contributing to our economic
renaissance and setting their families
up for success. Together we will
continue planting the seeds for an ever
brighter future.
Thank you for all you have done to
help us continue fulfilling
our mission,
Michal Marcus
Executive Director
We need your continued help
to keep growing. Northeast Ohio
support large-scale micro-lending. I
invite each of you to get involved:
1.Volunteer for the Board, for the Next
Generation Board, in the office or for
an event.
2.Donate to our loan fund. Every
dollar you donate not only transforms
a life, but is repaid and put to work
again.
3.Spread the word. Tell someone
today about how interest free lending
is helping people in our community.
We have an opportunity to make
Northeast Ohio an example of how
investing in good people builds a
strong community for generations.
Let’s make it happen.
David Edelman
President
Messages
from HFLA
4
A young adult
attends college
A young woman pays
the certification
exam fee for her
nursing license
A family pays off
Predatory Lenders and
avoids bankruptcy
Over 97%
repayment rate
A young man repairs a
car and keeps his job
A small business
owner buys critical
equipment
Mom has the utilities
turned back on
following illness
The Power of
Recycling Your Investment
5
New Lending $350,000 $300,000 $250,000 $200,000 $150,000 $100,000 $50,000 $0 55 loans 64 loans 59 loans 73 loans 75 loans 2011 2012 2013 2014 2015 as of 10/1 Audit Excerpts
Source
Total Assets
Liabilities
Net Assets
Total Public support, revenue
and other additions
Expenses
Net unrestricted assets
beginning of the year
Total unrestricted assets end
of the year
Our Loans at Glance 2013
2014
89,936
696,677
113,195
752,319
752,319
764,802
766,107
13,788
752,319
148,399
776,414
11,612
764,802
149,726
A complete set of financial statements audited by Zinner & Co. LLP
is available by written request
General Lending An3-­‐Predatory Lending Business Educa3on Default Rate vs Total Lent $279,414 $205,112 135,391 0.19% 2011 $157,732 0 2012 0.79% 0.47% 1.05% 2013 2014 2015 Default Rate Financial
6
$184,780 Amount Lent Mission
The mission of HFLA is to meet the needs of capable and able persons in
Northeast Ohio, without easy access to capital, by providing interest-free
loans. In support of this mission, HFLA
Respects the dignity and self-worth of those it serves.
ultivates a personal relationship with its borrowers.
Honors the biblical directive and Jewish ideal that money be lent without
charging interest.
Loans are made on a non-sectarian basis.
Vision for the Future
The vision for HFLA by 2020 includes these milestones:
The Loan Fund will have grown to . million to enable service to more
people and to have a larger humanitarian and economic impact in ortheast
hio.
HFLA will have improved its financial position and sustainability through
robust fundraising initiatives and the ac uisition of larger, more diverse and
stable sources of revenue.
HFLA will enjoy increased community awareness, brand recognition and
strategic relationships.
HFLA will benefit from exceptional board leadership, governance and financial
support.
There will be expanded professional staff and volunteer capacity to advance
the strategic priorities of HFLA.
7
8
Over 25,000 Lives Transformed...
Jazmin Long
Co-Founder of The Cleveland Young Professional Minority Women’s Group
“The Hebrew Free Loan association has made an incredible difference in my life. I am so grateful
that during my time of need, while attending Case Western’s Mandel School of Applied Social
Sciences, I was able to receive a loan that helped me accomplish my goals and move closer to
my dreams.
I am now fully employed at Global Cleveland and I credit much of the success I had in my final
semester of Grad school to HFLA. A major weight was lifted off my shoulders, financially, by the
HFLA, which allowed me to focus on my studies and finding full time employment.”
Linda Hirsh
“Three years ago, my Lyndhurst apartment burned down due to a gas line cut. I was going to
bundle my car and apartment owners insurance on April 1st. This will come as no surprise to
anyone who knows me--the fire happened on March 28th. I had no active apartment rental
insurance. The apartment management only gave us three days at a hotel.
Thank God for wonderful friends. Thank God for HFLA. They did not judge, they just helped. I
went in for a meeting, discussed my needs and they came through. Without them I would not have
had a roof over my head. I would have been unable to replace any of my furnishings. HFLA is an
amazing organization. I want everyone to know about this group. An interest free loan. A place to
go when you need a helping hand. Hands down the best helping hand in Cleveland.”
Anonymous
“HFLA has been an enormous blessing to my children and me. As a single parent with 3 high
school age children, I was facing huge financial stresses as I attempted to rebuild a life for our family
after the collapse of a 20-year marriage and financial hardship due to a family business failure. As a
teacher, I know the value of education. When my son wanted to attend University, I had no means
of securing a traditional bank loan. HFLA lent our family the money to fill in the gaps that the
three jobs I was holding could not fill. My son got a job and together with these collective funds we
were able to pay his tuition. Today, he is a successful businessman. Subsequently, HFLA was there
to help my second son and daughter with their education as well.
They took the blessing which we were given and used it to help them set goals and work hard to
achieve them. We are grateful for the financial support we have been given and hope someday to
help others as HFLA has helped us in our time of great need.”
Janette Pellas
“I am forever grateful to HFLA for helping not only me but also my son in our time of need. The
both of us cannot express enough what a world of difference this made to us. God bless you all.”
9
10
Interview with
Philip (Mike) Alvarado; Firefighter
Growing up in Cleveland, 28-year
old Mike Alvarado had always wanted
to be a firefighter. After graduating high
school, Mike worked in entry-level retail
positions, and he did a course to get his
EMT (Emergency Medical Technician)
certification. Seeing an ad for the Fire
Academy at Tri-C, Mike wanted to enroll,
but he realized that on his part-time salary
it would be very difficult to afford the
tuition. The secretary at Tri-C suggested
he call HFLA.
The process was a simple one.
Meeting with the loan committee, Mike
felt they understood why he needed the
money and that this was what would help
him advance in his career. Following the
Fire Academy, he started working part
time, and he was able to pay on his own for
a paramedics course. Mike now works full
time for the Cleveland Fire Department,
and, five years after getting a loan from
HFLA, he was able to purchase his first
home.
“There really weren’t other options
for me to pay for the academy other than
high interest credit cards at the time,”
Mike says. “I now recommend HFLA to
family or friends that I see need financial
help. This loan helped me succeed in my
career. People looking to give back should
definitely donate to HFLA and help pay it
forward.”
11
Benjamin Franklin said, “If you would know the value
of money, go and try to borrow some.”
Audrey and Albert Ratner congratulate
The Hebrew Free Loan Association of Cleveland
for 111 years of dignified, interest-free,
compassionate lending.
Congratulations on 111 years of
interest free lending
and helping those in need.
Dan Zelman
The cause of HFLA is my passion
as no other organization helps so
many diverse people become selfsufficient.
In turn, these people repay their
loans and many become annual
contributors to the HFLA. These
repayments and contributions
multiply out to help HFLA make
even more people self-sufficient.
May my passion be emulated by
others so that HFLA can continue
to make our community flourish.
Zeev Friedman
12
The purpose of life is not to be happy.
It is to be useful,
to be honorable,
to be compassionate,
to have it make some difference
that you have lived and lived well.
— Ralph Waldo Emerson
Zinner & Co. applauds the Hebrew Free Loan Association
for its unwavering commitment to helping others,
serving the community and creating positive
change for individuals and their families.
Congratulations on 111 years of
making our community stronger
through loans without interest.
Best wishes on the next 111 years!!
Larry and Susan Dlott and Family
3201 Enterprise Parkway, Suite 410 • Beachwood, Ohio 44122
216.831.0733 • zinnerco.com •
Mazel Tov on 111 years!
May HFLA go from
strength to strength!
Congratulating the
Hebrew Free Loan Association on
111 years of interest free lending
to help Clevelanders in Need
Mark Howard Associates
Lisa Arlyn Lowe & Rabbi
Steven Denker
“Congratulations on
another successful year!”
Sandra J. Buzney, JD, LISW
Providing legal services with a social worker’s touch
216-283-0905
www.buzneylaw.com
13
A lender is greater than
one who gives charity.
Babylonian Talmud 63a
Mazal tov on 111 years of
promoting self sufficiency
with dignity.
Wendy & Bill Sattin and Family
“Lending money interest free
preserves a sense of self-sufficiency
and esteem to the borrower and is a
high form of tzedakah for the lender.
Congratulations to HFLA
for 111 years!”
Linda and lifford Wolf
14
Congratulations HFLA
on 111 years
of helping people in
Northeast Ohio in need!
The Senkfor Family Foundation
Congratulations on
111 years of interest free
lending in Northeast Ohio.
So proud to be part of this
wonderful organization
Congratulations on 111 years!
Lorie Gelb, Mark Silverman &
Arielle Silverman
Congratulations to HFLA on the
remarkable achievement of 111
years of interest free loans to
people in need. We do not know
of a more worthy organization to
donate our time and resources.
JK Investment Group
5005 Rockside Road, Suite 915
Independence, OH
216-313-9999
Congratulations on
empowering our neighbors
to succeed for 111 years.
Sanjay & Amy Bhargava
The Edelman Family
15
Ian Abrams
Robert S. Abramson
Daryn & Kevin Adelstein
Aladdin’s Eatery
Doreen Alper
Alson’s Jewelers
Ella Aminov
Judith & Bruce Amsel
Apollo’s Fire Cleveland Baroque Orchestra
Michael Arch
Leslye & Keith Arian
Michael Armin
Alan B. Arons
Richard Bain
Marcia Bakst
Joyce Barkin
Stuart Barmen
Dale Bass
Richard M. Bass
Stephen J. Bassett
Baxtroke Massage Therapies
Julie & Steven Belkin
Valera Bendersky
George Benedikt
Joanne & Bert Benkendorf
Irv Berliner
Susan & Andrew Berman
Bertram Hotel & Conference Center
Pamela & Samuel Besunder
Amy & Sanjay Bhargava
Amy & Scott Bilsky
Iris & Sandy Bing
Marni & Greg Blake
Marc Blauschild
Louis J. Bloomfield
Gittel Blum
Stanley Blum
Nella & Victor Blyumin
B’nai Jeshurun
Jeff Bogart
Barnett N. Bookatz
Evie Braman
Sarah Rachel Braun
Flora Brodsky
Mary & Howard Brondfield
Ellen Brooks
Cindy & Andy Brown
Barbara & Stanley Brown
Jean Brown
Molly Brudnick
Bruegger’s Bagels
Carol & Bill Bruml
Buckley King, LPA
Daniel Burkons
Melinda Burt
Capital Movie Theater
Chagrin Valley Soap & Salve Company
Stephen & Cheryl Cheatham
Irvin and Florence Chelm Family
Philanthropic Fund
Jan & Dan Chernin
Janet L. Chernin
Marvin Chernin
Louise P. Chesler
Lynn & Barry Chesler
Chicago Deli & Restaurant
Choolah Indian BBQ Restaurant
The Cleveland Ballet
The Cleveland Browns
Cleveland Culinary Launch & Kitchen LLC
Cleveland Kraut Crafted Fermentations
Cleveland Neighborhood Progress
Cleveland Yoga
Chelle Cohen
Earl Cohen
Gilda Cohen
Mitchell Cohen
Nan Cohen & Dan Abrams
Ronald Cohen
Susannah & Avery Cohen
Frank Collie
Tim L. Collins
Common Good Consulting, Inc
Michael Cool
Corky & Lenny’s Restaurant Deli
Jack Coven
Lisa & Larry Coven
Marcia Coven
Covered Bridge Gardens Farm
Jeffrey Cummings
David Cunix
Timothy Cunningham
Dave’s Markets
Davis Insurance Agency
Lois Joan Davis
DeGaetano’s Village Square Pizza
Rabbi Steven Denker
Jacquelyn Derrow
Detroit Shoreway Community
Development Org.
Myrna & Rick Diamond
Susan & Larry Dlott
Florence Dobrin
Robin & Richard Douglass
Paula & Daniel Dreyfuss
Kyle Dreyfuss-Wells
Robert Drusendahl
Paula & Charles Dubick
Victoria & Alexander Dumesh
Barbara Dunlap
Supporters
16
Richard Eastburn
East Side Mazda VW
ESOP Cleveland
Alan Edelman
Connis & Sheldon Edelman
Dan Edelman
David Edelman
Rachel Edelman
Rebecca Eden
Edwin’s Restaurant & Leadership Institute
Bruce Eglin
Leonard Ehrenreich
Linda Ehrlich
Eighteen Eight -18/8 Fine Mens Salons
Jean Einstein
Brian Eisenberg
Marcia & Monroe Elbrand
Natalie & Morton Epstein
Bennett Fagin
Hannah Faires
Fairmount Temple
David Falk
Catherine & Bruce Fallick
Thomas Fallon Photographer
Melanie Falls
Farmer’s National Bank
Joseph Felber
Maurice Feren
Arlene & Phil Fine
Michael Fine
Nancy & Frank Finelli
Judith & Andrew Finger
fire food & drink restaurant
Bela & George Fischer
Ronna & Joel Fox
Jean & David Foxman
Irwin M. Frank
Jerome Frankel
Joanne & Charles Frankel
Rina & Samuel Frankel
Samuel Frankel
The Fresh Market
Brittany & Oleg Fridman
Stanley Friedlander
Barb & Lee Friedman
Ivan Friedman
Ruth & James Friedman
Mary Friedman
Sharon Friedman
Zeev Friedman
Hank Frisch
Phyllis & Avrum Froimson
Jay & Hope Fromson
Lisa Fullerton
Phyllis D. Gary
Toby & Herbert Geduld
Gloria Gelb
Lorie Gelb & Mark Silverman
Mia & Joseph Gelles
Joel Gellin
Elina & Felix Gen
Saul Genuth
Jeff Gerson
Marilyn & Sheldon Gerson
Giant Eagle Supermarkets
Gigi’s on Fairmount Café
Cindy Glazer
Eileen & Ronald Gold
Stephen Gold
Eugene Goldberg
Marcia & Gilbert Goldberg
Shari & Michael Goldberg
Sharon Goldberg
Shirley Goldberg
Suri & Howard Goldman
Murray A. Goldstone
Laura Gooch and David Kazdan
Lois & Henry Goodman
Steven P. Goodman
Tom Goodman
Patrick Gorbett
Mayor Merle Gorden
Shirley & Bernard Gordon
Michelle Gordon
Margot Graebert
Judy & Andrew Green
Susan & Arthur Greenberg
Penny & Robert Greenberger
Alan Greene D.D.S.
Barbara & Todd Greene
Michele Greene
Linda & Jim Greenhill
Amy & Howard Groedel
Caryn Groedel
Gwenn & Alan Groedel
Sheri Gross
Glen Guyuron
Amy Hanauer and Mark Cassell
Ardith & Marvin Harris
Debra & Greg Harris
Joan & Thomas Hartshorne
Heinen’s Grocery Store
Robin K. Heiser
Lynette Helfstein
Rebecca & David Heller
Joel Herman
Phyllis & Eugene Hershman
Mary & John Hexter
Elaine & John Hibshman
Meredith Hickson and Richard Lawrence
Alan Hochheiser
Betty Holdstein
Holmes Mouthwatering Applesauce
Illana Horowitz and Charles Ratner
Michael J. Horvitz
Sandra Horwitz
Mark Howard
Pamela Hruby & David Sperling
Susan & Robert Hurwitz
Hyde Park Prime Steakhouse
Betty & Terence Isakov
Sally & Fred Isenstadt
Jack’s Deli & Restaurant
Karen & Marc Jaffe
Debbie Jankowski
Jay Auto Group
Jane Joseph
Juma Gallery & Coffee House
Suellen & Larry Kadis
Leah Kamionkowski
Tanya Groys Kapinos
Lori Kaplan
Steve Karklin
Laurie Katz
Michele & Benjamin Katz
William and Betty Katz Philanthropic Fund
Bruce Katzenberg
Dr. Phillip Kazdan
Ileen Kelner
Barbara Kest
Keybank National Association
Ilene & Les Kinsley
Virginia Klaus
Abbie & Jonathan Klein
Michael Klein
Dolores & James Kleinman
Laura Kleinman
Lynn & Michael Kleinman
Marcia & Ernest Kline
Terri & Stuart Kline
Bruce Klotzman
Kerry Klotzman
Richard Kluchin
Lani & Jules Koach
Robert Koach
Lee Kohrman
Noreen Koppelman-Goldstein
Rabbi David Kosak
Kottler Metal Products
Janet S. Kover
Cyd Kowit
Susan Kranz
Michael Krasnyansky
Seville F. Krause
Debra Krenzler
Irene & Richard Kretch
Lawrence Kronick
Sylvia & Walter Kugelman
Jill & Cory Kwait
Ken Lapine
Reva G. Laureno
Brother Robert Lavelle
Marianne Lax
David Leavitt
Jonathan A. Leebow
Kenneth Leffman
Anita Leichner
Laura & Mark Leventhal
Nancy & Adam Levin
Lindsay Ann Levine & Lee Ian Ascherman
Joan & Stanley Levy
Nancy Levy
Beth & Isaac Lewin
Howard Lewinter
Alla & Alex Leydiker
Lucila & Jack Licate
Howard Lichtig
Life Church
Linda & Jack Lissauer
Andrea Litwin
Ariella Look
Michael Lorber
Lisa A. Lowe
Ona Lowe
Luna Bakery Café
LunchOwl
Annette Lusher
Markus Lyytinen
Lawrence A. Mack
Lois Mager and Michael Hoen
Map of Thailand Thai Restaurant
Lois & Martin Marcus
Michal & Bill Marcus
Marigold Catering
Hindea Markowitz
Joel Marx
Timothy McCarthy
Phyllis Melnick
The Melting Pot
Sherrie & Scott Mendenhall
Carol Metz
Joseph Michaels
Beno and Elaine Michel Philanthropic Fund
Renate & Marvin Miller
Samuel & Marie Miller Foundation
Jenny Mills & Doug Kohler
Michael Mills
Dianne L. Millstein
Barry Mintzer
Mister Brisket, Inc.
Anne & Peter Mitro
Renee Moldovansky
Sophia & Anatoly Moldovansky
Mel Morris
Jan Moskowitz
Karen & John Moss
Barbara & Joseph Moster
Keara Mullen
Murray Hill Market of Little Italy
Music Box Supper Club & Rusty Anchor
Natalie & Arkady Nabutovsky
Muriel & David Nachman
Helen & David Nagusky
Ann & Charles Newman
Geri & Nigel Newman
Stuart Neye
Nadene & Sigmund Norr
NE Ohio Hispanic Chamber of Commerce
17
The North Face
Lifsa & Stanley Schachter
Heather Nuccio
Marian & Irwin Schafer
Saul Nurko
Jonathan Scharfstein
Marilyn & Kenneth Oif
Christine & Scott Scheel
On the Rise Artisan Bread & Pastries
Jeffrey & Deb Schein
Hermine & David Ostro
Sharon & Jerome Schmelzer
OtterBox
Ruth Schochet
Pacific East Japanese & Malaysian RestaurantMarcy Schwartz and David Simon
Paradise Flower Market
Marla & Edward Schwartz
Park Synagogue - Anshe Emeth Beth Tefilo Paula & Walter Schwartz
Sheila Pearlman
Sea Glass Fine Art Photography
Dr. Cecilia Perera
Ralph Seed
Michael Perlmuter
Suzanne Seifert
Kim & Paul Pesses
David Senkfor
Judge Raymond Pianka
Senkfor Family Foundation
Jennifer & Douglas Pinkerton
Leonard Senkfor
Playhouse Square
Juliana & Harris Senturia
Yana Pleshivoy
Yakov Serebrenvy
Frances & Sheldon Polster
Maud & Melvin Shafron
Loree & Steve Potash
Michael Shapero
Geraldine Powers
Janet Shapiro
Pura Vida Restaurant by Chef Brandt Evans Lee C. Shapiro
Roz Quarto
Stuart J. Sharpe
Diana Diamond Radford
Debbie & Greg Shaw
Audrey and Albert Ratner Philanthropic
Galit Shezifi
Fund
Shinano Sushi Bar & Japanese Cuisine
Christine Raven
Diana D. Shore
Redbox
Shuhei Japanese Restaurant & Sushi Bar
Regional Reps Corps
Alla & Alexander Shvartshteyn
Linda & Robert Reiser
Natalie Shy
Larry Reiss - of blessed memory
Alvin & Laura Siegal Foundation
Gloria Resnick
Charlotte Silver
Linda & Lawrence Rich
Esther & Edward Silver
Sally & Bud Rich
Judy & Jeffrey Silver
Rising Star Coffee Roasters
Sisu Salon
Helen & David Rivelis
Janus Small
Marcy & Brad Robbins
Maria Smith
Rock & Roll Hall of Fame
Marion Smith
Mary Romito
Shoshana Socher
Frederick Rosenberg
Rena & Barry Sogoloff
Bernice Rosenblum
Jean Sokol
Judith Rosenthal
Judy & Marvin Solganik
Sandra & Jeremy Rosenthal
Emanuel Solon
Ilene Rosewater
Spice Kitchen + Bar
Carolyn & Eliot Ross
Darby & Jon Steiger
Nanette Ross
Ezra Steiger
Betty Rosskamm
Mindi & Stuart Steiger
Harriet Roth
The Stone Oven Bakery Café
Daniel Rothenfeld
Storehouse Tea Company
Fred Rothstein
Penny & David Strauss
Nancy Rubel & Dan Klein
Dr. Richart T. Streem
Lewis Rubenstein
Studio CK Salon
Evie & Gordon Safran
Linda Ong Styer
Anna Salerno
Suburban Temple - Kol Ami
Harry Saltzberg
Sweet Melissa
Aaron and Barbara Saltzman Philanthropic Sweet Moses Soda Fountain & Treat Shop
Fund
Sylvia’s Nails
Steven Samuels
Temple Emanu El
Wendy & Bill Sattin
Sandra Tessler
Saucisson Artisan Cured Meats & Sausage Harold Ticktin
Frank Scarpa
Lillian Tobin of blessed memory
18
Tommy’s Restaurant
Trader Joe’s
Mary Triest & Charles Ross
University Circle Inc.
Olga & Boris Vayner
Verb Ballets
Village Diner
Elaine Wachs
Joyce & Eric Wald
Sylvia & Martin Wald
Walter & Haverfield LLP
Doreen & Stanley Warn
Mitch Wasserman
Marcia & Melvin Waxman
Connie & Neil Waxman
George Weidinger
Doris & Thomas Weil
Hollace Weiner
Edward Weintraub
Linda Weisenberg & Robert Goldberg
Fred Weisman
Elie Weiss
Sandra & Leonard Weiss
Sandra Weiss
Josephine & George Weisz
WhirlyBall Cleveland
Wholesome Desi Chagrin LLC
WHYM Dance + Movement + More
Judy & Steven Willensky
Karen & Alan Wine
Cynthia L. Winters
Maggie Wise
Daniel Wittenberg
Clifford Wold
Warren Wolfson
William Wortzman
Xonex Art Supply Store
Alan Yanowitz
Donna Yanowitz
Yellowcake Shop by Valerie Mayen
Yours Truly Restaurants
Debra & Cary Zabell
Gerald Zahler
Dan Zavelson
Judy & Dan Zeligson
Ellen & Daniel Zelman
Ben Zlatin
Kathy & Gerald Zwick
Foundations - Grants
Amazon Smile Foundation
The Charles & Helen Brown Memorial
Foundation
The Business of Good Foundation
The Cleveland Foundation
The George Gund Foundation
Davie & Inez Myers Foundation
OMNOVA Solutions Foundation
Edith Anisfield Wolf Fund
Gold Sponsor
Albert & Audrey Ratner
Silver Sponsor
Larry & Susan Dlott
The Edelman Family
Zeev Friedman
Anne & Peter Mitro
Bronze Sponsor
The Coven Family
Robert Goldberg
JK Investment Group
Lisa Lowe & Rabbi Steven Denker
Marcy & Brad Robbins
Wendy Albin Sattin & Bill Sattin
The Senkfor Family Foundation
Regional Reps/Xonex
Steven & Judy Wilensky
Clifford & Linda Wolf
Dan Zelman
Bar Sponsor
Mutual Properties – Dick Kretch
& Jerry Zahler
Valet Sponsor
Sponsors
19
23300 Chagrin Blvd. Suite 204
Beachwood, OH 44122
Tel: 216.378.9042
Fax: 216.378.9007