Xperience Xceed - Xceed Financial Credit Union

annual report
Xperience Xceed
Federally insured by NCUA.
A MESSAGE
from the board chair
For many Xceed members, 2015 was a year to invest in a new home or new car, and we’re honored they turned to their
Credit Union for guidance and competitive financing. Likewise, it was a year of investment in the future for the Credit Union.
We have built a best-in-class lending operation, capable of meeting every member need – from a young member’s first car
loan or dream home mortgage, through to business loans and even multifamily commercial real estate loans. Our retooled
Xceed Wealth Management Group represents a phenomenal value for members – both experienced investors with large
portfolios, and those just starting out. We have begun converting all of our credit and check cards to the higher-security
EMV chip cards. This is costly, but a must for protecting member security. And, with our newly-upgraded Xceed Xperience
Center video banking platform, members now have convenience and access that eclipses some of the nation’s largest banks.
These investments had the short-term effect of dampening our profitability. However, we remain solid financially and we are confident
in the returns we’ll see in the coming year. Importantly, these enhancements position our Credit Union positively for the future —
helping to keep the experience of being an Xceed Financial member the most unique and rewarding banking experience available.
On behalf of your volunteer Board of Directors, I want to thank you for your membership and your confidence in our stewardship.
Dennis Ruffner
Board Chair
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A MESSAGE
from the president & chief executive
After spending much of the previous year celebrating our long-time association with Xerox Corporation, and setting
records almost monthly for growth in member savings and loans, 2015 was a year when we focused very sharply on the
Xceed experience for members.
We know you choose to do your banking with us because the Credit Union offers you something special and very different from
what the big banks are selling. As an Xceed member, this is – literally – your credit union. We exist only because you have made
the choice to be an owner in this not-for-profit financial cooperative, instead of a bank’s customer. So our investments this year
were all about making your experiences with us as rewarding, convenient, and dare-we-say —
­ fun — as they possibly can be!
On the product side, we made sure you had your choice of high-value savings options, competitive loans, and quality investment
and insurance services – always delivered by friendly and knowledgeable associates, whose primary goal is to help you choose exactly the
right accounts for your individual situation.
We engaged members with fun and informative financial education on our social media pages, online webinars, and in-person seminars
we hosted at workplaces and Xceed Financial Centers. We also updated our Xceed Xperience Center facilities and debuted an all-new
website, making it easier and more intuitive for members to find information they’re seeking. And, we revealed a bold new look for the
Xceed Financial brand.
Unlike some banks, which seek to maximize profits for shareholders, our credit union makes decisions based on our members’ best
interest over the long term. In 2015, that led us to make a number of strategic investments – some of them costly – which impacted our
bottom line. However, your Credit Union remains fiscally strong and on track for a positive 2016.
Importantly, we invested in Xceed’s future by instituting a host of operational enhancements. The work we’ve done to build up our
infrastructure, business lines, and systems is largely not visible to members, but these things make a huge difference in the Credit
Union’s efficiency and our ability to deliver extraordinary member service. Plus, as a well-capitalized and conservatively-managed
financial institution, we took the opportunity to beef up the loan loss reserves we set aside for rainy days.
As you read this report and recall the many ways we’ve been at work for you, I hope that Xceed Financial’s commitment to you
and your family’s financial well-being – now and in the future – comes through loud and clear. We want you to know that we value
your business, and we hope you’ll be sure to let us know if there’s ever anything we can do to improve your experience with us.
Teresa Y. Freeborn
President & Chief Executive
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SUPERVISORY
COMMITTEE REPORT
The Supervisory Committee, a group of appointed volunteers, is primarily responsible for overseeing the overall
safety and soundness of Xceed Financial, as well as the credit union’s adherence to operating policies and
procedures. Each year, we reaffirm our commitment to ensuring that your credit union is financially stable and
maintains the highest member service standards possible.
The Supervisory Committee annually conducts a number of on-site audits of Financial Centers and other credit union
areas. Additionally, we review member account records to verify their accuracy and oversee the audit performed by
our independent auditing firm, Moss Adams LLP, Certified Public Accountants. As a result of these combined efforts,
I am proud to report that Xceed Financial Credit Union and its assets remain financially sound and secure.
Gretchen G. Valentine
Supervisory Committee Chair
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XPERIENCE THE FUTURE OF BANKING
Built to make your life easier.
So there you were, hanging out at the beach, when you decided it was time to refi your car. With your smart
phone, you were able to get the ball rolling – video chatting with an Xceed Xperience Center associate…
waves crashing in the background. We’re pretty sure that’s the official definition of awesomesauce! And this
year, we looked for every opportunity to use technology to provide members with that special combination of
convenience and personal service that distinguishes the Xceed Xperience.
Xperience Center
With this video banking innovation now accessible from desktop computers, tablets, or smart phones, we focused
on enhancing the facilities at Financial Centers. We updated the Xperience Center spaces, adding a convenient
new Xpress button for members to connect quickly with an Xperience Center associate — using one screen for
face-to-face engagement, another for the associate to share information, and an attached workstation for printing
documents.
Xceed Online Banking
Throughout 2015, we added features and upgrades to make Xceed Online better than ever, including the ability to
manage your Xceed Visa credit card, obtain tax documents for your mortgage loan, open a new account with
no paper required, and toggle back and forth between English and Spanish.
Mobile Deposit
Use of the Xceed Mobile banking app was way up – in part due to popular features
like mobile deposit that allow members to use their smart phones to snap a photo
of a paper check and deposit it with just a few clicks.
Apple Watch® & Apple Pay®
We teamed up with Apple in 2015 to support the Apple Watch, a.k.a. the coolest way
ever to check your balances, locate surcharge-free ATMs, and more. Plus, you can
also now use Apple Pay with your Xceed Visa credit card and/or check card.
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Loans for
EVERY STAGE OF YOUR LIFE
Financing the things that matter most.
Think about your life’s experiences, and the occasions that really stand out – buying
a first car, moving into a dream home, taking the trip of a lifetime, opening a
new business. For many Xceed members, the common thread is the support of
the Credit Union – in 2015, and over a lifetime.
Home Mortgages
With our comprehensive range of loans at competitive rates, we have
mortgage loans to serve virtually every member need. This past summer,
we brought the Xceed lending experience home-sweet-home, offering $250
off closing costs to members with a first mortgage at another lender who
refinanced with us.
Auto Loans
The car-owning experience should be fun, and a sky-high payment is, well, not
fun. So we invited members to bring us their loans from other lenders and
take our Beat Your Rate program for a spin. Hundreds of members took us
up on the offer, driving away with a lower payment. We also worked with our
partner, Enterprise Car Sales, on blow-out sales events that enabled members
to pair the purchase of a quality used car with a low-rate Xceed auto loan.
Business Loans
Lots of Xceed members let their entrepreneur flags fly in 2015, and we were right there
backing them up with SBA loans, commercial real estate loans, and more – going above
and beyond to invest in our communities and do our part to help power America’s
small business economy.
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Accounts to
BUILD A BETTER FUTURE
Rewarding savings and credit card promotions.
Xceed’s Visa® credit cards are a super deal, with competitive finance rates, plus the option of
a fantastic rewards program. And our certificates are a great way to save up – for the future,
or for a little (or big!) something special. This year, members got their choice of accounts and
promotions to make their money work harder than ever.
Balance Transfer Promotions
Offering a low introductory rate of just 1.99% and no balance transfer fees, our 2015 balance
transfer promotions enabled members to ditch their high rate credit cards and make the switch
to the low-cost, high-reward Xceed Visa. It was an epic win for hundreds of members struggling to
manage debt.
Swipe for Summer
Members who select “credit” and sign for their Xceed check card purchases enjoy more benefits —
like Visa’s Zero Liability protection — than when they choose “debit.” With our Swipe for Summer
Sweepstakes, each time members swiped their cards, selected credit, and signed for their purchases,
they were entered into the sweepstakes. One lucky member snagged a $1,000 grand prize!
EMV Chip Cards
In recent years, a lot of merchants have done a less-than-stellar job of protecting customers’ card
information, so card issuers like Xceed have taken the lead on security. In 2015, we began rolling out new
high-security EMV chip credit cards that make fraud much more difficult. Three cheers for the white hats!
Share Certificates
Throughout the year, we provided a variety of certificates, with a range of terms for different member needs.
Among the most popular was our new Variable Rate share certificate and IRA certificate — ideal for members
who like the security of a certificate, but don’t want to miss out if Treasury Rates go up.
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XCEED WEALTH
MANAGEMENT GROUP
We’re here for you and yours.
For some years now, Xceed Financial members have had access to quality investment
services to help them plan for retirement and other financial goals. In 2015, the Credit
Union stepped up these capabilities in a very big way.
We retooled our operation with new technology, including secure Personal Financial
Websites that make it a snap for members to track their portfolios’ performance anytime,
from anywhere using a mobile device or internet-connected computer. We also brought
on exceptionally strong new Financial Consultants, with a depth of experience, to serve
members in a wide range of specialties, including:
• Retirement Planning
• Investment Management
• Estate Planning & Wealth Transfer
• Education Planning
• Cash Management
• Risk Management
• Portfolio Assessment
To reflect this new breadth of capabilities, in 2015 we changed the team’s name to Xceed Wealth
Management Group and created a new microsite (www.xceedwealthmanagement.org) that’s linked to
the Credit Union’s main xfcu.org website. The Xceed Wealth Management Group site describes all of
the ways our experienced Financial Consultants can help individual members and families address the
complex challenges of managing and working towards growing their assets. Future. Secured.
Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL
Financial or its licensed affiliates. Xceed Financial Credit Union and Xceed Wealth Management Group are
not registered broker/dealers and are not affiliated with LPL Financial.
Not NCUA Insured
No Credit Union Guarantee
May Lose Value
Not Obligations of the Credit Union
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Partnering with
EMPLOYER GROUPS
Sharing a high-value employee benefit in workplaces nationwide.
The long-standing relationships we have with our employer partners are fundamental to Xceed’s identity
as a workplace credit union. We’re proud to partner with some of the world’s most respected brands,
enhancing their employee compensation packages with Xceed Financial Credit Union membership,
at no cost to them.
Financial Wellness in the Workplace
Throughout the year, we worked closely with our employer partners to offer savings
promotions, loan discounts, and other deals created specifically for their employees’ needs.
Welcome New Employer Partners
Companies that partner with Xceed Financial demonstrate — in a tangible way — that they
care about their employees’ financial well-being. That can be a big advantage when trying to
attract and keep great talent, so we were thrilled to welcome several new employers to the
Xceed family, including GUESS?, INC. (maker of your favorite jeans!).
Xerox Diversity Groups
Reinforcing our special relationship with Xerox, in 2015 we launched our popular iXceed Fiscal
Fitness Challenge for not one, but five, of the company’s affiliated diversity groups. Challenge
participants from the Black Women’s Leadership Council (BWLC), GALAXe Pride at Work, Hispanic
Association for Professional Advancement (HAPA), National Black Employees Association (NBEA),
and The Women’s Alliance (TWA) competed for our largest grand prize ever, $5,000 – earning points
by attending monthly webinars, setting and tracking financial goals, and saving and investing to meet
their goals. We were also proud supporters of a variety of diversity group events and conferences.
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Focus on
FINANCIAL WELLNESS
Your financial well-being is our top priority.
In school, when the subject was finances, we were always the kids who sat in the front row soaking up
everything “teach” had to share! But we know financial education can make lots of people’s eyes
glaze over, so we always try to make it fun for members to boost their financial savvy.
Educating Young Members
This year, we rolled out two new programs to help our youngest members get off on the right foot
financially. Our M3 Money Club, for children between the ages of 7 to 12, features money-managing
characters they can identify with, games to teach them about good money habits, and comics and
cartoons about smart saving and spending. Our Elements of Money website, for teens 13 to 18, offers
tips and lessons about saving for college or their first car, and how to manage money once they have
their first job. We also partnered with two other local credit unions to host Bite of Reality – a day-long
money management simulation for teens in Southern California.
Financial Consultant Seminars
Xceed Financial Centers were education central for adult members, who got the low down on loads of
important topics like Social Security, Understanding Your Employer Retirement Plan, College Planning,
Estate Planning, and Long Term Care.
America Saves Week
We were proud to join with hundreds of nonprofit organizations and government entities in the annual
America Saves Week campaign in February, hosting a series of free webinars to help members better
management their budgets, understand their spending styles, and revamp their financial pictures.
Social Media
Throughout 2015, we used our Facebook and Twitter pages to share quick tips for saving money, shaping up
finances, and achieving money goals with our ongoing Money Monday and Financial Friday posts. #letsallgetrich
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PEOPLE HELPING PEOPLE
Going above and beyond in the communities we serve.
One of the things members tell us really makes Xceed membership different (and special!) is that
we’re for people, not for profit. Of course, that comes through in the awesome deals members get on
loans and the other products and services we offer. But it’s also front-and-center in our service to the
communities where we do business.
Super Healer Award
We couldn’t have been more proud when Heal the Bay, an Xceed select employer group and community
organization partner, honored us with the 2015 Super Healer Award. It’s their highest volunteer/donor
honor, given in recognition for our support of the staff’s financial wellness, as well as the thousands of
dollars contributed in connection with memberships.
Supporting Higher Education
Since we created the Romeo Doty Scholarship program to honor one of the Credit Union’s most
dedicated volunteers, Xceed has given out thousands of dollars to help young members pursue their
college dreams. This year, we awarded ten $1,000 scholarships to students in New York, New Jersey,
and California. Plus, a young member in Texas received our first Chairman’s Xcellence Award – a $1,000
scholarship earmarked for the son or daughter of an Xceed associate.
Children’s Miracle Network Hospitals
Throughout the year, we found lots of ways to support CMN Hospitals, our charity of choice. Team Xceed
took to the streets of California’s capital city, raising more than $10,000 in the Credit Union SacTown 10
race – more than any other credit union team! We also celebrated International Credit Union Day with
our Shop for Miracles Campaign – for every signature-based credit or check card transaction members
completed on that day, we donated a quarter to CMN.
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FINANCIALS
2015 Financial Statements
CONSOLIDATED STATEMENT OF FINANCIAL CONDITION
CONSOLIDATED STATEMENT OF INCOME
As of December 31, 2015
For the year ending December 31, 2015
ASSETS
Net Loans Cash Total Investments Other Assets $  776,751,374
79,901,712
13,418,742
71,946,962
INTEREST INCOME
Total Interest on Loans Total Interest on Investments TOTAL ASSETS $  942,018,790
LIABILITIES & EQUITY
LIABILITIES
Notes Payable Other Liabilities Members’ Shares $   80,500,000
9,938,174
772,410,970
TOTAL LIABILITIES 862,849,144
MEMBERS’ EQUITY
79,169,646
TOTAL LIABILITIES & EQUITY $  942,018,790
TOTAL INTEREST INCOME INTEREST EXPENSE
Total Dividends on Members’ Shares Other Interest Expense $  30,107,579
882,977
30,990,556
4,982,221
920,962
5,903,183
TOTAL INTEREST EXPENSE NET INTEREST INCOME Provision for Loan Losses
25,087,373
4,335,588
NET INTEREST INCOME AFTER PROVISION 20,751,785
TOTAL NON-INTEREST INCOME 12,241,013
NON-INTEREST EXPENSE
Salaries and Benefits Other Expenses 16,026,451
18,475,342
TOTAL NON-INTEREST EXPENSE 34,501,793
NET LOSS $  (1,508,995)
For the independent auditor’s report and opinion,
please contact us at 800.XFCU.222.
Federally insured by NCUA.
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LEADERSHIP
Board of Directors
Dennis Ruffner
John Buttrill
Roni Crichton
Dea Benson
Judy Novak
Raleigh Steinbach
Fabiana Burkett
Paris Chevalier
Bertha Gascon
Gretchen Valentine
Other Volunteers
Mark Cunningham
Heather Smith
Executive Management Team
Teresa Freeborn
Mike Sacher
Ray Shams
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COMMITTEES
Board of Directors
Supervisory Committee
Dennis Ruffner, Chair
John Buttrill, Vice Chair
Roni Crichton, Secretary
Dea Benson
Judy Novak
Raleigh Steinbach
Gretchen Valentine
Gretchen Valentine, Chair
Mark Cunningham
Heather Smith
Executive Committee
Dennis Ruffner, Chair
John Buttrill, Vice Chair
Roni Crichton, Secretary
Nominating Committee
Dea Benson, Chair
Roni Crichton
Raleigh Steinbach
Finance & Investment Committee
John Buttrill, Chair
Dea Benson
Roni Crichton
Judy Novak
Raleigh Steinbach
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SEG LISTING
717 • A & A Ready Mix Concrete • AA Equip. Rental • ABC • Ability Pathways • Academy of Our Lady of Good Counsel • Accustaff • ACE • Acro Industries, Inc. • ADD Distribution, Inc • Adecco • Adecco- Rochester NY • Advance High-Tech Corporation •
AHC Pharmacal/Clinical Formula • Air Tahiti Nui • Airport Suzuki • Airpot Corporation • Ajilon • AKA International,Inc. • Albert Einstein Academy • All Hallows High School • Alliance Capital Investments, Inc. • Alliance Precision Plastics • Allied Solutions
• Allstate • Allworx • Alpha Genesis Home Care, Inc • American Home Health (Genesis Home Care) • Ametek Power Instruments • AMREL Corp • Amtech Elevator • Ancoma Inc. • Annunciation School • Any Laminating • Apprise Corporation • Aramark
• Archdiocese of New York • Arnel Compressor • Arnold Magnetic Technologies • Arthur J. Rogers & Co. • Assoc. Soils Engineering • Associated Customhouse Brokers • Associated Health Professionals, Inc. • Automation Design & Engineering • Aviation
Fuel Systems Repair • Avis/Budget Group • Avnet • B&Z Manufacturing • Balfab Manufacturing Inc. • Barkley Court Reporters • Bell Industries • Betson West • Better Beverages • Big D Floor Supplies • Bison Engineering • Blaine Convention • Blessed
Sacrament School • BMS Cook Drafting • Borg Imaging Group • Boulter Rigging Corp • Brentwood Nursing & Rehab • Broccolo Tree & Lawn Care • Bryant & Stratton College • BuffaloZoo • Builders Exchange of Rochester • Caban Resources • California
Closets • California Orthopaedic Lab • California Tool & Welding Supply • California United Terminals • Candle Corporation • Canfield & Tack • Cardinal Hayes High School • CarmaxRM • AA Equipment • Cathedral High School • Catholic Family Center •
CB Commercial • C-Brite Metal • CDI Corporation • Cee Bailey’s Aircraft Plastics • Cellotape • Cemak Trucking • Centinela Freeman Regional Medical Center • Centinela Hospital Medical Center • Central Kia of Irving • Central Kia of Lewisville • Certified
Smoked Fish • Certi-Fresh Foods, Inc • Charter Partners • China Airlines • Christ The King • Ciber Inc. • CIG Insurance Agency • Cision • Cisions US, Inc formerly Bacons Information • CODESMART Group • Colonial Manor • Comforce Information Tech •
Community Extended Care • Community Market • Computer Aid • Concourse Concession • Condominium Mgmt Services • Condor Electronics Corporation • Connors-Haas Inc. • Consolidators International • Cooke Center for Learning & Development •
Copy Doctor • Coregis Group • Costco Wholesale • Covert Iron Works • CPA Payroll • Croop-LaFrance Inc. • Crosby-brownlie • Crossfield Heating and Air Conditioning, Inc. • Crum and Forster Corporation • D & D Equipment Rental • Darcoid Nor-Cal Seal
• Dartnell Enterprises Inc. • Davidson Fink • Davie Kaplan, CPA, P.C. • Decision One • Del Rio Sanitarium, Inc • Dentalogy Dental Group • Department of Motor Vehicle, Driver Safety • Desser Tire & Rubber Company • Dimerco Express USA • Disabled
Veterans Charities • Distinctive Industries • Dixon Schwabl • Docucopy • Dominican Academy • Double Tree Hilton Hotel • Drapery Industries • Du Paul Community Organization • Dynaflex • Dynalab Corp. • Dynasty Footwear • Easter Seals • EECO, Inc
• Element K • eLend Solutions • Encore Forwarding • Enterprise Rent A Car - Upstate NY • EP&G Flames Group • Eppink of California • Equant • Excel Office Products & Services • Executive Liability Managers • Executive Office Concepts • Express
Employment Professionals • F & E Aircraft Maintenance • Factory Motor Parts • Fairport Baptist Home • Faith Missions Crisis Rehab Center • Familiar Surrondings Federation of Catholic Teachers • Fiore Stone • First Focus Learning • Five Guys and
Burgers • Flying Tiger Pilots Association • Foreign Trade Association of California • Formula • Franklen Glass • Friends of the Webster Public Library • FSH Delivery Service • G & F Roof Supply • GardenView Care Center • Gardner Asphalt Products •
Genesis Home Care • Gerber Collision and Glass • Gillette Machine and Tool Co. • Global Imaging Systems • Glovia International • Gold Coast Appraisals • Golden Bounty • Good Sheppard • Gordon Painting Co. • Greater Ridgewood Youth Council •
Greenwood Uniforms • GUESS?, INC. • Guesthouse Hotel • Guidemark • Gupta Technologies • H & M Brokerage • Hampton Inn Rochester North• Hankyu International • Hawaiian Gardens Casino • Hawk Industries • Hazlow Electronics • Heal The Bay •
Health First Medical • Heather Heights of Pittsford • Heberle Disposal Service • Hemisphere Management • Heraeus Metal Processing • HighSoft • HITCO Carbon Composites • Hoberg’s Club Resort • Hollywood Beautification Team • Holy Name of Jesus
• Holy Rosary • Holy Rosary School • Holy Trinity • Home Alert • Home Life Achievers Realty • Horizon Solutions • Hoselton Auto Mall • Hyatt Regency Rochester • IEC Electronics Wire and Cable • Ignited • Immaculate Conception • Impco Technologies
• Industrial Indemnity • Inference Corporation • Infocus Employees Services • Innovative Solutions • Intercommunity Child Guidance • Isaac Heating & Air Conditioning • J. G. Haddy Sales Company • J. L. Cooper Electronics • J. Roberts Scott • Jenco
Plating • Jewish Home of Rochester • John S. Burke Catholic High School • Johnson Controls • JTR Company • Juanita’s Foods • Kadima Security Services • Kaiser Aluminum • KARL STORZ • Kerlan-Jobe Orthopaedic Clinic • Kerr Trucking • Keystone
Insurers Group • Kingston Catholic School • KMVT Television • La Salle Academy • Lakewood Gardens • Larson Gangloff & Larson • Law Offices of Richard Kroll • Lawrence Roll-Up Doors • Learning Tree International • Lee Pharmaceuticals • Leo J. Roth
Corporation • Lewisville Mitsubishi • Lifespan • Lifetime Care • Light Fabrications • Lockton Insurance Brokers • Longwood Management • Los Angeles Lakers • Los Kitos Produce and Farms • M I Social Retail Corp • Maney Aircraft • Manpower • Maria
Regina High School • Marina Del Rey Hospital • Marsh Corporation • Marsh-William Mercer • Masline Electronics • MB Trading Futures • MD Synergy • Media Graphics Distribution • Medical Motor Service • Meikle Automation • Mendon Capital Advisors
• Mercury Print Productions • Meruelo Enterprises • Metal Edge • Mid-City Mailing Services Corp • Milbank Real Estate • Miracle Enterprises • MMR Technologies • Modesti’s Auto Repair • Moe’s Southwest Grill of Rochester/Buffalo • Money Wise Mortgage
Co • Monroe Veterinary Associates • Montclair Yamaha • Monument Builders of North America • Moore Catholic High School • MRC • MTX Services • Municipal Energy Solutions • Myers Pest & Termite Services • Nativity of Our Blessed Lady • Navcom
Defense Electronics • Neato Robotics • Nesco Resource/Lehigh Design • NetLogic Microsystems • New line Noosh • New York Racing Association • Newport Exterminating • NF Associates • National Healthcareer Association • Nippon Cargo Airlines •
Nordon Tool & Mold • North American Health Care • Norwalk Power Equipment Co • Nothnagle Realtors • Oak Crest Institute of Science • OfficeMax • Optimax Systems • Optimum Staffing • Our Lady Help of Christians • Our Lady of Assumption • Our
Lady of Good Counsel • Our Lady of Lourdes High School • Our Lady of Mt. Carmel • Our Lady of Mt. Carmel School • Our Lady of Pompeii • Our Lady of Victory • P & R Industries • Pacific Piston Ring Co • PagePath Technologies • Palm Terrace 8 •
Paper Mart • Paradigm Engineering Ltd • PDP/Electro Source • PENSCO Incorporated • Penske Cadillac Hummer South Bay • Perferred Personnel Serv Peterson Spinning & Stamping • PGP Industries • Phillips Industries • Phoenix Enterprises • Phoenix
PDQ • Pioneer Americas • Pirrello, Missal, Personte & Feder Law Firm • Platinum Healthcare Staffing • Playground Plus • Polar Air Cargo • Postler & Jaeckle Corp. • Power Nissan Torrance • Power Volvo • Prairie Medical Group • Praxair • Precision
Dialing Services • Precision Metal Finishing • Printing by Design • Prism Software Corporation • Process Fab • Property Tax Assistance • Pulsafeeder • Pyramyd Air • Q-TECH Corporation • Quaker City Plating • Quality Foam Packaging • Quiznos • Radisson
Hotel LAX • Radisson Hotel Westside • Ramada Inn - Norwalk • Ramada Plaza Hotel • Ramona Care Center • Raycom Data Technologies • Raytec Group • RCI Image Systems • Realogy • Regina Coeli School • Rene Isip Toyota of Lewisville • Resolution
Group • Resurrection • RETRAN • Rochester Athletic Club • Rochester Business Alliance • Rochester Computer Recycling and Recovery • Rochester Davis-Fetch Corp. • Rochester Postal Service • Rochester Riverside Convention Center • Rochester
Yacht Club • Rogers Assoc. Machine Tool Corp. • Rohrback Cosasco Systems • Romac Supply • Ross Swiss Dairies • Royal Pacific Express, Inc. • RP Fedder Corporation • S & E Trucking Inc. • S. R. Comerford Constructors • Sacred Heart - St. Francis
School • Sacred Heart School • Sacred Heart School - Middle Division • Safeway SEG • San Gabriel Convalescent Center • Sango America, Inc • Santa Fe Auto Sales • Santa Fe Spgs Chamber • Sierra Systems • SIGMA Marketing Group • Signature Escrow
• Silicon Valley Community Foundation • Sir Speedy Printing • Sizzler USA, Inc. • SoCal Office Technologies • Sodexo Health Care Services • Sol-Effect Enterprises, Inc • Sousa Court Reporters • South Bay Center for Counseling • Southland Payroll •
Southwest Kia • Southwest Offset Printing • Specialty Doors • Spectra Services, Inc. • Spinergy • St. Aloysius School • St. Ann’s • St. Ann’s Community • St. Anselm School • St. Augustine’s School • St. Barnabas Elementary • St. Barnabas High School •
St. Casimir School • St. Christopher’s Parochial School • St. Denis • St. Dominic’s School • St. Francis / St. Lucy’s • St. Francis of Assisi • St. Jean Baptiste High School • St. John’s • St. John’s Vianney • St. Joseph Catholic Church • St. Joseph’s Elementary
School • St. Joseph’s of the Holy Family • St. Joseph’s Parochial School • St. Joseph’s School - Yorkville • St. Joseph’s Villa of Rochester • St. Lawrence O’Toole • St. Mary Margaret School • St. Mary’s • St. Mary’s School • St. Michael’s Academy • St.
Patrick’s • St. Patrick’s School • St. Peter’s • St. Peter’s School • St. Pius X School • St. Raymond Academy • St. Roca School • St. Theresa’s School • St. Vincent’s Ferrer High School • Standard Data Corporation • Stanford MU Corporation • Steven Label
• Stokes, Visca, & Company • Suddath Relocation Systems • Sunbridge Downey • Superior Alliance Elevator Corp • Superior Design International, Inc • Superior Tech Resources/Superior Staffing • Support.com • Swedish Auto Service • Sylvan Learning
Center • System Care Inc • Systems Transport • Tanksley Group • Tapecon • Telecom Consulting Group • Team Manufacturing, Inc • Technisource • Technology Training Corporation • Teledyne Controls • Temple Inland Paperboard and Packaging, Inc. •
Tension Member Technology • Texas Nissan of Grapevine • The Black Chamber of Silicon Valley • The Bus Service Center • The COMDYN Group, Inc. • The Friendly Home • The Gardner Group • The Pike Company, Inc • The Queen Mary • The School of
the Holy Childhood • The Ursuling School • The Whole Child • Third Wave Technology Services • Thistle Roller Company • Thomas Management • Three Flames Restaurant • Time Warner Cable • Total Equipment Rental • Training & Research Foundation
• Trans Group Express • Transport Drivers, Inc. • Travelodge Hotel • Travelport • Tree Musketeers • TRG - Realogy • Trico Converting • Trident Precision Manufacturing • Trojan Professional Services • Tru-Form Tool & Mfg, Inc • Tucker Printers • Turnkey
Construction Solutions • UIW Cott Beverages, USA, Inc. • UIW Del Monte Foods • UIW Impress USA, Inc • UIW Juanita’s Foods • UIW- United Industrial Workers • Ultrafab, Inc. • Unified Health Care Products • Univar (Van Waters & Rodgers) • Unlimited
Technical Services • US Airports Development & Svc • Velocity Networks • Vescio Threading • Villa Health Care • Vintage Cerritos • Vision Express • Vivitar Corporation • Vivitar Security Systems • VOPAK USA • Web Title Agency • WebLife Media • West
Coast Escrow • Westside Children’s Center • Weyerhaeuser • Whitenack Consulting, Inc • Woodcliff, The Lodge • Woods Oviatt Gilman • Wpromote • WXXI Public Broadcasting Council • Wyndham Worldwide • Xerox Corporation • Xerox Retirees • XPLOR
International • XRA • YMCA of Greater Rochester • Young & Company, CPAs • Zee Medical • Zeller Corporation
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