2011-2012 Annual Report Empowering young people to own their
Transcription
2011-2012 Annual Report Empowering young people to own their
2011-2012 Annual Report Empowering young people to own their economic success Junior Achievement of Middle Tennessee serves a vital role in our community and I am pleased that you are taking a moment to get a glimpse of the organization by reading our 2011-2012 Annual Report. We had a successful year, reaching 30,445 students in 18 counties. Everyone across the organization and the community worked together to ensure our students were empowered to own their economic success. By focusing on education, economics, and youth development, JA programs contribute to the vitality of our community and the availability of a well-educated workforce. Our supporters are helping students develop the competence, confidence, and character needed to compete in today’s busy world. Join us in our mission to inspire and prepare young people to succeed in a global economy. In the following pages, you will learn about JA through the eyes of students, board members, teachers, volunteers, and financial supporters. Without the teamwork that they demonstrate, JA could not function nor be successful. I thank all of them and I thank you for taking time to learn more about Junior Achievement of Middle Tennessee. Together, we will help our young people succeed, achieve, and fulfill their dreams. Trent Klingensmith President JA of Middle Tennessee Junior Achievement Staff Trent Klingensmith President Rae Hummell Senior Director of Development and Marketing Laura Buchanan Special Events Manager Rachel Dyer Director of Operations and JA BizTownTM Bethany Wynns JA BizTown Instructional Manager Stacey Allen Operations Assistant Andy Schenck Director of Programs Karen Boom Program Manager Elizabeth Carroll Program Manager Impact during the 2011-2012 School Year: At Junior Achievement, we give young people the knowledge and skills they need to own their economic success, plan for their future, and make smart academic and economic choices. Our corporate and community volunteers deliver relevant, hands-on experiences that give students from kindergarten through high school knowledge and skills in financial literacy, work readiness and entrepreneurship. JA programs empower students to make a connection between what they learn in school and how it can be applied in the real world enhancing the relevance of their classroom learning and increasing their understanding of the value of staying in school. 22,564 Classroom Program Students 7,881 JA BizTown Students 207 Schools 1,466 Classrooms 18 Counties 2,245 Classroom & JA BizTown Volunteers 172 Volunteer Companies JA BizTown - 5th grade Entrepreneurs Succeed JA BizTown students work hard to ensure that their businesses can make a profit. Cole Crider, student at Oak Hill School, shares about his JA BizTown experience as well as another valuable lesson: networking. What job did you have in JA BizTown? C.F.O. of the bank What was your favorite part of your job? Why? Answering someone's question about their account. I enjoyed that because it felt good to know I was helping them manage their money so they could purchase the items they wanted at BizTown. What was your least favorite part of your job? Why? Taking care of all the paperwork. It was easy to get caught up in the paperwork and end up in a hole that it took our whole team to dig out of. What was the most challenging part of your job? We had rush times at the beginning of each break period when everyone wanted to deposit or withdraw money at the same time. What is the most important thing you learned in JA BizTown? Your business is one big team. If one person has a problem, the entire business has to pitch in and help. In the spring of 2012, just as Cole was preparing for his visit to JA BizTown, he had an unlikely but rewarding networking experience with Hal Pennington, Retired Chairman, President, & CEO of Genesco and 2011 Nashville Business Hall of Fame inductee. The two were seated next to each other on an airplane and chatted about business and JA BizTown throughout the flight. Only later did Cole realize who he was speaking to; Mr. Pennington had called the JA staff to let them know about his conversation with Cole and his upcoming JA BizTown experience. Cole got a visit from JA’s President during his day working in the JA BizTown Bank, who told Cole about Mr. Pennington and the impression that he had made. “ I hope that I can be a great business man and also a great community supporter someday, like Mr. Pennington. ” - Cole Crider Read more about Hal Pennington and the Nashville Business Hall of Fame in the events section of this report. “ JA BizTown is the connection between real life and what students do in school. Students with little understanding of the business world say, ‘this is something I could do, this is something I like.’ ” - Denise Goodwin, Asst. Superintendent, Elementary Schools, Williamson County Schools JA BizTown is funded by the generosity of sponsors and this support makes visits to JA BizTown affordable for our schools. 2012 JA BizTown Sponsors: Caterpillar Financial Services The James W. Carell Charitable Trust First Tennessee Foundation The Gannett Foundation Gaylord Entertainment Foundation The Mick Foundation The Mike Curb Family Foundation State Farm Insurance Company 2012 JA BizTown Day Sponsors: Allstate Foundation American Honda Foundation AT&T CarMax Foundation Comdata Nashville Predators Nashville Rotary Foundation Nissan Foundation Pepsi Beverages Company PeyBack Foundation Schneider Electric Foundation Tennessee Valley Authority Sponsors and day-sponsors truly make it possible for students to participate and succeed in the program. JA BizTown is a miniature city housed within the JA office. Fifth grade students undergo six weeks of classroom lessons to prepare for the experience and then spend a day running their own town. Volunteers and teachers help facilitate the day, but students are truly in charge and take full responsibility for their businesses and their personal finances. 7,881 students participated in the JA BizTown program this school year. JA BizTown students learn by doing. The hands-on activities that they experience show students the connection between classroom learning and the real-world. Interviewing for jobs, balancing a checkbook, and being a responsible worker and consumer are just a few of the vital life-lessons that students learn in JA BizTown. Students are tested to measure their knowledge gain during the program. The first graph below shows that students increased their scores from pre- to post- test by an average of 23%. The second graph below shows that students increased their scores from pre- to post- test by an average of 46% on practical concepts such as writing a check, filling out a check register, and completing a deposit ticket. Overall Test, Multiple Choice and Practical Application Practical Application Portion of Test Data based on responses from over 850 JA BizTown students. JA in a Day Throughout each school year, volunteers participate in an event that reaches hundreds of students in one day with a full JA program. The effort makes a strong impact in the lives of the students, teachers, and volunteers. 2011-2012 JA in a Day participating companies: Affinion Comdata Dell Deloitte Ernst & Young FirstBank Ford Motor Credit HCA JA Board of Directors Jackson National Life KPMG Pepsi PricewaterhouseCoopers Regions ServiceSource SMS Holdings State Farm Insurance University of Phoenix US Bank Job Shadow: Showing High School Students the Real Working World On September 16, 2011, 64 Ernst & Young employees met at Oliver Middle School in Davidson County to volunteer for JA. Every student in the school, nearly 800 of them, experienced a full JA program that day. Thanks to the tireless efforts of these dedicated business people, students were shown the importance of education and the tools that they need for success. In partnership with Metropolitan Nashville Public Schools, more than 1,000 students participated in the Job Shadow program during the 2011-2012 school year. Sixty-four companies hosted students, representing various professions and careers in Nashville. The Academies of Nashville worked with their business partners to ensure that their students experienced a day in a real-world work environment. Nearly 25 students had a very special Job Shadow opportunity on January 25, 2012. Tennessee legislators joined with Junior Achievement and AT&T to help Hillwood High School students make the connection between success in the classroom and in the workplace. Students spent the day shadowing the legislators, touring the House and Senate chambers, learning about the legislative process and understanding the dangers of texting while driving. “Education is the single most important factor to ensure that the students in today’s classroom will have the skills they need to be successful in the workforce,” said Lieutenant Governor Ron Ramsey. “I’m pleased to see so many bright and talented students visiting the Tennessee State Capitol today and learning about the legislative process. I hope their experiences here will inspire them to do great things when they graduate.” “These students are the building blocks for our state’s future success,” said Gregg Morton, President of AT&T Tennessee. “Job Shadowing helps students to see new possibilities and to challenge themselves to achieve their full potential. At AT&T, we want them to succeed, and we are proud to sponsor initiatives like the Job Shadow program to ensure they graduate and go on to do great things.” Students complete pre-tests and post-tests to measure the impact of their JA program. The chart to the right reflects the average pre-and post-test scores for Our Nation, 5th grade, students who participated in Oliver Middle School’s JA in a Day event. “ JA in a Day gives our students a chance to experience real voices from the business community who lead them in making the connection between classroom learning and the work place. Seeing young people working in teams and using their math and language skills to think creatively and problem solve is education at its best! JA TITAN Business Challenge It may sound and look like a video game, but the JA TITAN online business simulation is an in-depth program that culminates in a student competition each spring. In April of 2012, 21 student teams from eight Middle Tennessee high schools spent the day at Caterpillar Financial competing to see who could make the best business decisions and be most profitable. Business volunteers offered their time and expertise to be sure the students had a successful day learning how to be an entrepreneur. ” -Carol Percy, School Counselor Oliver Middle School, Metro Nashville Public Schools 3-time host of JA in a Day JA Welcomes Chinese Exchange Students In January 2012, JA welcomed a group of middle and high school students from China, led by Li Weaver, Chief Representative for the Tennessee China Development Center. The students experienced a week-long emersion into freeenterprise concepts, participating in a JA program as well as business learning at Belmont University and various companies in Nashville. The students left with a better understanding of the American tradition of entrepreneurship and success. Event Presented By: 2012 JA TITAN Competition First Place Team Overall: Cane Ridge High School Building a Legacy: JA’s Endowment Top Ten Volunteer Firms during the 2011-2012 School Year: Deloitte volunteers inspired 2,109 students during 551 hours in classrooms Caterpillar Financial Services volunteers inspired 1,442 students during 381 hours in classrooms JA lost a valued partner in 2010. Bob Zelle was a long-term Nashville business leader who was committed to bettering the Nashville community, especially through supporting youth and education. This year, JA was informed that Mr. Zelle left a significant legacy gift to JA’s Endowment Fund through the Community Foundation of Middle Tennessee. His gift will sustain future operations and ensure that JA’s programs will be available for many years to come. He also inspired fellow donors to invest in Junior Achievement, showing support to the young individuals who are future business leaders in the community. Regions volunteers inspired 1,456 students during 376 hours in classrooms Ford Motor Credit volunteers inspired 1,192 students during 299 hours in classrooms Ernst & Young volunteers inspired 1,120 students during 271 hours in classrooms JA Company Program: Entrepreneurship in Action Bob Zelle Founder of the JA Endowment Fund “ What a generous individual Bob Zelle was. He always gave back and he always believed in helping youth. He has been a strong JA supporter for as long as I can remember. ” -Trent Klingensmith JA President JA classroom programs and their reach: ServiceSource When JA began in 1919, its flagship program was an afterschool initiative in which students created their own companies. Today, the JA Company Program is back in area high schools. With the help of dedicated volunteers and teachers, five student-led companies in Davidson and Williamson County high schools underwent the process of founding, funding, operating, and liquidating a business. Habiba Bahy Soliman, VP of Human Resources in the Hillwood High School Company Program said, “Company Program will develop your skills in communication and organization. It is absolutely a great experience!” During the 14-week, in-depth program, students developed leadership, communication, and interpersonal and organizational skills. The program allowed students to see what business is really like and how their classroom learning is relevant in the real world. These teenagers applied for positions, conducted department meetings, raised capital, did market research, created and implemented a business plan, marketed their products or services, and created an annual report. At the program's conclusion, students had the opportunity to present their experience to a panel of business leaders and receive their feedback. Antioch High School Company Program students pictured with Deloitte volunteers. Deloitte also offered students Job Shadow opportunities within the company. Antioch High School Student Keilyn Jones was the president of her company. She said, “the most valuable thing I learned in the JA Company Program is that networking helps anyone to get further in any career they wish to choose.” JA’s 2012 Teacher and Volunteer of the Year volunteers inspired 796 students during 213 hours in classrooms Junior Achievement selects a Teacher and Volunteer of the Year at the conclusion of each school year. Individuals are nominated by peers and JA staff members select the finalists. HCA “JA programs allow students to see what hard workers really look like, so they can get a visual of where they would like to be in the future. It has opened doors of opportunity for some students.They have made life-long connections with businesses and the people who run them.” volunteers inspired 576 students during 141 hours in classrooms Leadership Houston volunteers inspired 561 students during 135 hours in classrooms Dell volunteers inspired 487 students during 115 hours in classrooms -2012 JA Teacher of the Year, Kimberly Napaul of Hillwood High School “I think the community needs to help in the schools in any way possible to show the students that they are important and we care.” State Farm Insurance volunteers inspired 409 students during 99 hours in classrooms Program, number of participating classrooms Kimberly Napaul and Kaye Lewis -2012 JA Volunteer of the Year is Kaye Lewis of AT&T Fundraising Events Make an Impact Fundraising events would not be possible without generous in-kind donations. 2011-2012 event gift-in-kind donors: ($100 value & above) Ajax Turner American General Life & Accident Insurance Company aLoft Cool Springs Barge Waggoner Sumner & Cannon Boston Beer Company The Buntin Group Carter, Lankford CPAs Caterpillar Financial Services Ms. Mary Cavarra Chaffins Barn Dinner Theatre Curt & Yonnie Chesley Coca Cola Bottling Company Consolidated Cracker Barrel Ms. Norma Davis Dell DET Distributing Edgewater Beach & Golf Resort Ernst & Young F.A.D.D.’s Party Bus Dr. Robert Fesmire FirstBank Frito Lay Gaylord Entertainment Gaylord Springs Golf Links Ms. Debra Grimes Hampton Inn & Suites, Green Hills Harris Ranch Health To You Holiday Inn, Opryland Ingram Industries Mr. Jim Jacobs Kodak Mr. Keith Leimbach Lipman Brothers Nashville Predators New Business Development NovaCopy Papa Johns Pizza Pepsi Beverages Company Publix Super Markets SunTrust Bank Mr. Joe White Wright Travel 2011 Nashville Business Hall of Fame Laureate: Hal Pennington Retired Chairman, President, & CEO, Genesco Spring is always a very busy time in JA’s fundraising event calendar and 2012 was no exception. The 25th Annual Bowla-Thon, Luau on the Lanes, 2012 JA Luau on the Lanes Bowlers from Caterpillar Financial welcomed 40 companies to area bowling centers. More than 1,300 bowlers raised $205,000 for Junior Achievement programs! Thanks to Bridgestone Americas Trust Fund and Publix Super Markets Charities for their continued sponsorship. Recent Nashville Business Hall of Fame Inductees: On November 3, 2011, nearly 300 people gathered to celebrate the life and work of Hal Pennington. His 48 year career at Genesco and his dedication to the Nashville community were highlights of the evening. 2010: Ron Samuels, CEO, Avenue Bank Pennington was chosen for induction into the Nashville Business Hall of Fame for his demonstration of business excellence, his courageous thought and action, his inspired leadership, and his community mindedness. Speakers from both his professional and personal life remarked on Pennington’s achievements and success; he is a true role model for today’s students, showing young people that with hard work and dedication, they can succeed as well. 2009: Joe Scarlett, Scarlett Leadership Institute & Retired CEO, Tractor Supply Company The 2012 JA Golf Classic was an overwhelming success. More than 100 companies supported the outing through team and hole sponsorships and donations, totaling 2012 Golf Classic Morning Round First Place Team: $244,000 in Scott Garrett, William Belliford, Kelley Kee, and support for JA James Hollingsworth, pictured with Trent Klingensmith programs. 255 golfers participated in the event during two rounds of play at beautiful Gaylord Springs Golf Links. Thanks to Dollar General and Gaylord Entertainment for their ongoing support and sponsorship. Hal Pennington (center) with Trent Klingensmith, Jeffrey Buntin, Jr. and student emcees Matthew King and Hatcher Morris. “ Event Sponsors: ” JA is developing in our young people an appreciation for the free-enterprise system. -Hal Pennington Junior Achievement of Middle Tennessee Statement of Activities 2011-2012 Generous Donors The following donors supported our work by contributing support of $2,500 or more between July 1, 2011 and June 30, 2012 year end: June 30, 2012 Unrestricted Temporarily Restricted Total American Honda Foundation Caterpillar Financial Services Ingram Industries, Inc. Revenues and other support Contributions: Corporations $86,096 $152,566 $238,662 Individuals $75,373 $500 $75,873 Foundations $168,215 $36,000 $204,215 $329,684 $189,066 $518,750 Special Events $542,595 — $542,595 Program Fees $162,339 — $162,339 In-kind contributions $38,194 $230 $38,424 Merchandise sales $7,513 — $7,513 Rental $2,500 — $2,500 Interest $5,000 — $5,000 Other $9,705 — $9,705 $264,480 ($264,480) — $1,362,010 ($75,184) $1,286,826 $1,003,388 — $1,003,388 Management and general $120,915 — $120,915 Fundraising $116,852 — $116,852 $1,241,155 — $1,241,155 Total Contributions Net assets released from restrictions Total revenues and other support Expenses: Functional Expenses: Program services Total functional expenses Special events $157,646 — $157,646 Franchise and licensee fees $51,537 — $51,537 $1,450,338 — $1,450,338 Increase (decrease) in net assets ($88,328) ($75,184) ($163,512) Net assets, beginning of the year $147,404 $781,321 $928,725 Net assets, end of the year $59,076 $706,137 $765,213 Total expenses Over $25,000 The Memorial Foundation The Mike Curb Family Foundation Nissan North America $10,000-$24,999 American General Life & Accident Insurance Company Allstate Foundation AT&T Bank of America Charitable Foundation Bridgestone Americas, Inc. Cal Turner Family Foundation Christy Houston Foundation Dan & Margaret Maddox Charitable Fund Dollar General Ernst & Young First Tennessee Foundation Ford Motor Credit Gaylord Entertainment Company Genesco HCA Foundation The Mick Foundation Scarlett Family Foundation Schneider Electric Schneider Electric/Square D Foundation ServiceSource Standard Candy Company State Farm Insurance Company U.S. Bank Walmart Wright Travel $5,000-$9,999 Bridgestone Americas Trust Fund Barge Waggoner Sumner & Cannon CarMax Foundation Comdata Deloitte Equitable Trust FirstBank The Frist Foundation Hobbs & Associates, Inc. Jackson National Life Insurance Company The James W. Carell Charitable Trust KPMG Nashville Rotary Foundation National Federation of Independent Business PeyBack Foundation Pepsi Beverages Company Kelly Plummer Publix Super Markets Charities Regions Bank Rogers Group SunTrust TVA UPS Tom & KandeeWalker Brian & Lynnea Wiese $2,500-$4,999 Affinion Paul & Lynne Anderson BancorpSouth Bank of America Bass, Berry & Simms BDO USA Bluewolf Bradley Arant Boult Cummings The Buntin Group Carter, Lankford CPAs Lucy Carter Coca-Cola Company Communication Components Crowe Horwath Curb Records Sam & Denise DeVane E.&J. Gallo Winery Fidelity InvestmentsThe Zauner Group First Tennessee Five Star Laundry FreshPoint General Mills Foundation HCA Healthspring The Hertz Corporation Horizon Wine & Spirits Humana Lattimore Black Morgan & Cain Buddy Lewis McAfee Nashville Predators Lipman Brothers OHL Oreck Pinnacle Financial Partners PSAV-Presentation Services Reliant Bank Samuel M. Fleming Foundation Simmons Bedding SMS Holdings Turner Construction VeriStor Systems Washington Foundation Waste Management Anne H. & Robert K. Zelle Advised Fund JA Board of Directors JA’s Board of Directors during the 2011-2012 year: 50 Board Members $665,080 Given to Support JA 92% Board Firms Offering Financial Support 10,588 Students Reached By Board Firm Volunteers 2,695 Volunteer Hours Spent in Area Classrooms 2011-2012 Leadership Board of Directors Junior Achievement’s Board of Directors consists of a diverse group of leaders, all of whom are focused on ensuring a positive, successful JA experience for students and teachers in Middle Tennessee. These dedicated individuals are committed to supporting JA’s students through financial support, volunteer efforts, and community awareness. Without the Board, essential programming would not reach our young people - tomorrow’s employees, business leaders, and decision makers. Executive Committee Chair Jeffrey Buntin, Jr. President & CEO The Buntin Group Chair Elect Yonnie Chesley CEO Health To You, LLC The 2011-2012 school year was a busy one for the organization and for the Board of Directors. I was proud to be a part of this group as we all worked together to help JA programs continue to contribute to the vitality of our community and a well-educated workforce. As we like to say, “with JA, no one’s too young to experience their first year in business.” Thank you for your interest in and support of this important organization. Vice Chairman Corporate Secretary/ Treasurer Hiram Cox EVP, CFO & CAO SMS Holdings Vice Chairman of Development Lucy Carter Partner Carter, Lankford CPAs, PC Jeffrey Buntin, Jr. Chairman, JA Board of Directors President & CEO, The Buntin Group Vice Chairman of Strategic Alliances Jim Duensing EVP & CFO Caterpillar Financial Services Vice Chairman of Programs Norma Davis Paralegal Bridgestone Americas, Inc. Special Projects Coordinator W. David Jones SVP, Sales Team Manager SunTrust Bank The JA Board of Directors joined with area leaders to teach JA programs to 471 students at Dan Mills Elementary School on March 1, 2012. More than 40 individuals from 16 area companies worked together to ensure that the students were inspired to stay in school and achieve. “ When one young lady [in my classroom] said, ‘This is fun!’ I knew we were making a difference. Just to see the excitement among the children reinforced the good things we are doing through JA programs. ” - Paula Harris, Barge Waggoner Sumner and Cannon, JA Board Member Paul Anderson VP, Senior Portfolio Manager US Bank George H. Armistead, III Owner New Business Development Brit Boatright Metropolitan Bank President FirstBank Dave Briggs SVP, Group Banking and Affinity Bank of America Merrill Lynch Dave Brown VP HR & Safety Ingram Barge Company Doug Cahill President & CEO Oreck Corporation Michael Cassity Vice President, HR HCA – TriStar Division Mike Curb Chairman Curb Records Sam DeVane Partner Ernst & Young Joey Dunagan Owner Prestar Consulting April Eaton Corporate Relations Senior Manager Allstate Insurance Company Melissa Grove Senior Manager, Business Transformation Organization Support Nissan North America Paula Harris Vice President, Chief Marketing Manager Barge Waggoner Sumner & Cannon Henry Hillenmeyer President Urban Flats Jim Jacobs Affiliate Broker Cherry & Associates Dave LeBreux COE Director Ford Motor Credit Keith Leimbach SVP- Americas ServiceSource Buddy J. Lewis Vice President, General Manager Pepsi Beverages Company James A. Mallon President & CEO American General Life and Accident Insurance Company Janet McDonald Principal, Professional Development and Facilitation Services C3 Consulting Jack McDowell Tennessee Operations Manager UPS Russell B. Morgan Partner Bradley Arant Boult Cummings Mark Murray VP & General Manager Hobbs & Associates, Inc. Middle Tennessee Michael Musick Partner BDO USA, LLP Chris Parker EVP, Chief Sales Officer Nashville Predators Bill Perkins Regional Sales Manager Sam’s Club Kelly Plummer Senior Manager, Assurance PricewaterhouseCoopers Dr. J. Patrick Raines Dean, College of Business Administration Belmont University Rik Reitmaier CIO Gaylord Entertainment & Hotels Jeff Shay VP Operations State Farm Insurance Company Marvin Shotts VP Sales - Strategic Accounts, Power Business Schneider Electric Heidi Smith General Manager, Global Business & Community Development Tennessee Valley Authority James W. Spradley, Jr. CEO Standard Candy Company Shirlee Stevens District Manager, Nashville Central Market Wells Fargo Sarah Sanders Teague VP, Portfolio Manager Corporate & Healthcare Banking First Tennessee Bank Tom Walker Partner Deloitte Larry Whisenant Senior Vice President Pinnacle Financial Partners Joe White President NovaCopy Joe Whitehouse VP of Finance & Treasurer Rogers Group, Inc. Brian Wiese Partner, Healthcare KPMG LLP Todd Wigginton Director of Social Studies Metro Nashville Public Schools Ken Wills Audit Partner Crowe Horwath LLP Pamela Wright President & CEO Wright Travel Agency, Inc. Advisory Council Associate Board Ken Berberich First Tennessee Bank Jim Clapper Retired, Aladdin Temp-Rite Daniel G. Crockett Franklin American Mortgage Richard DeVries East Port Marina & Resort Mark Fioravanti Gaylord Entertainment David Hall MYOUTDOORTV.COM Damon Hininger Corrections Corporation of America Thomas M Hudson, Jr. Matteson-Hudson Construction Company James Keiffer TVA Allen McCampbell, Jr. Retired, AGLA Gregg Morton AT&T Tom Negri Loews Vanderbilt Hotel David J. Olender Porfessional Convention Management Association W. Lucas Simons Retired, UBS Financial Merrill Bohren C3 Consulting David Bunt UPS Micah Callaway Legacy Learning Systems Jaclyn Carney Radsource, LLC Mary Hoehn Accounting Principals/ Parker & Lynch Julie Howlett Barge Waggoner Sumner & Cannon Michelle Jaeger R.C. Mathews Contractor Susan Kessler Hunters Lane High School Michelle Lacewell Nashville Area Chamber of Commerce Michael McBride Gaylord Entertainment Alex Munderloh Tennessee Dept. of Health - Office of General Counsel Blair Smyly FirstBank Junior Achievement of Middle Tennessee • 120 Powell Place • Nashville, Tennessee 37204 Phone: 615-627-1200 • Fax: 615-297-8514 • Web: www.janash.com