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2013 CID ANNUAL REPORT individual | family | community | world annual report

individual | family | community | world · In 2013, Charity Navigator, a leading charity evaluator, once again awarded CID its highest possible rating for sound financial management,

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Page 1: individual | family | community | world · In 2013, Charity Navigator, a leading charity evaluator, once again awarded CID its highest possible rating for sound financial management,

2013 CID ANNUAL REPORT

individual | family | community | world

annual report

Page 2: individual | family | community | world · In 2013, Charity Navigator, a leading charity evaluator, once again awarded CID its highest possible rating for sound financial management,

operating activities

In 2012–2013, generous support from the community enabled CID to once again accept every eligible child with hearing loss, regardless of family financial circumstances. To see CID’s complete auditedfinancial statements, please go to http://cid.edu/support-cid/annual-reports/financial-info/

expenses program expenses management fundraising

In 2013, Charity Navigator, a leading charity evaluator, once again awarded CID its highest possible rating for sound financial management, accountability and transparency.

student demographicsn 187 students were enrolled in

the family center, school or a summer program; six received pediatric audiology or tutoring services only.

n 10 CID graduates attended our summer enrichment program.

n 62 percent of the children CID served were under 3 years old, most identified by hospital newborn screening.

n 70 percent of students lived in St. Louis or surrounding Missouri counties.

n 30 percent lived in southern Illinois.

n Two families lived in split house-holds so one or more children could attend CID.

september 1, 2012 –august 31, 2013

n 59 percent of CID students were Caucasian.

n 20 percent were African- American.

n 8 percent were Asian.n 3 percent were bi-racial.n 5 percent were Hispanic.n 5 percent reported another

race or did not report.

program revenuesProgram service fees and miscellaneous revenue $1,070,983

expensesProgram services 73% $3,488,370Management 16% 780,449Fundraising 11% 524,444 TOTAL EXPENSES 100% $4,793,263

EXPENSES IN EXCESS OF PROGRAM REVENUES (3,722,280)

public support Investment income designated for operations 2,081,074 Contributions (excludingUnited Way and events) 1,224,192Special events (net of expenses) 270,294United Way 215,722

TOTAL PUBLIC SUPPORT 3,791,282

CHANGE IN UNRESTRICTED NET ASSETS BEFORE NONOPERATING ACTIVITIES $69,002

statement of net assetsaugust 31, 2013 Unrestricted Undesignated $458,900 Property and equipment, net 206,582 Designated for capital asset acquisition 41,000 Board-restricted endowment 24,540,775

TOTAL UNRESTRICTED 45% $25,247,257

Temporarily restricted 2% 922,532Permanently restrictedendowment 53% 29,761,318 TOTAL NET ASSETS 100% $55,931,107

Page 3: individual | family | community | world · In 2013, Charity Navigator, a leading charity evaluator, once again awarded CID its highest possible rating for sound financial management,

Audiological tests, hearing aids and regular home and day care visits ensure a great start for babies diagnosed with hearing loss within the first few months. In 2012–2013, 112 children birth to age 3 received services from CID’s Joanne Parrish Knight Family Center.PHOTO BY CHRIS MALACARNE

ON THE COVER Four-year-olds Mackin and Jackson were among 26 students who had fun with their teachers in the CID pre-k – a language-rich, play-based model program. PHOTO BY TOM ROLLINS

our dual missionFrom the moment a family walks in our doors, our goal is to give their child the skills they will need to leave us. 2013 was another year of amaz-ing achievement for our students. We’re so proud of their accomplish-ments and so grateful to the community that supports them. Our gener-ous donors, devoted volunteers, fantastic staff and talented board make possible our mission of teaching children who are deaf and hard of hear-ing to listen, talk, read and succeed.

CID’s impact goes far beyond the walls of our school. Our professional outreach programs help other teachers better serve the children in their communities. Your support has an immeasurable impact for children who are deaf and hard of hearing in St. Louis and around the world.

Thank you. – ROBIN FEDER, CID EXECUTIVE DIRECTOR

Page 4: individual | family | community | world · In 2013, Charity Navigator, a leading charity evaluator, once again awarded CID its highest possible rating for sound financial management,

congratulations, graduates In fall of 2013, the eight CID students who graduated in May joined their peers in their neighborhood kindergartens, elementary schools and middle schools.

front rowManan Modh, 6, of St. Louis; Brayden Pierce, 6, of Belleville, Illinois; Malachi Cotton, 6, of St. Louis, and Kayden Krull, 5, of Herculaneum, Missouri

back row Kathleen Barrett, 12, of Webster Groves, Missouri; Garrett Dempsey, 9, of Park Hills, Missouri; Kaitlyn Casey, 13, of Columbia, Illinois, and Abdigani Yussuf, 10, of St. Louis

PHOTO BY KIM READMOND

CID’s mission is to teach children who are deaf and hard of hearing to listen, talk, read and succeed.

We partner with families andcollaborate with universities, educators and other professionals worldwide to help children communicate to achieve their fullest potential.

Page 5: individual | family | community | world · In 2013, Charity Navigator, a leading charity evaluator, once again awarded CID its highest possible rating for sound financial management,

CID is one of the nation’s largest and oldest listening and spoken language schools for children who are deaf and hard of hearing. n In 2012–2013, CID served 187 children in its education and audiology programs.n 38 percent of CID’s primary department

students (age 6–12) came to CID for the first time after struggling in public schools.

n Based on a 3-year average (2011–2013), the costs to educate students were: 3–12 years: $52,000; 0–2 years: $11,200. All families pay on a sliding scale based on income, family size and other measures of need.

n Length of stay can depend on many factors, including age of enrollment. Our younger children typically attend CID for 4 to 5 years before graduating.

n CID served 13 children and their families with origins outside the United States, including Bosnia, China, India, Mexico, Russia and the United Arab Emirates. Since 1914, CID families have come from 48 states and 29 countries.

student outcomesCID’s goal is for at least 80 percent of our returning students to make one year’s growth or better in one year’s time in receptive vocabulary, expressive vocabulary and overall language. We evaluate progress regularly – both formally and informally.

2012–2013 Returning pre-k/k students (age 4 – 5)n 100 percent made one year’s growth or better

in receptive vocabulary.n 92 percent made one year’s growth or better

in expressive vocabulary and overall language.

Returning primary students (age 6 –12)n 100 percent made one year’s growth or better

in receptive vocabulary and overall language.n 94 percent made one year’s growth or better

in expressive vocabulary.

professional outreachn In 2012–2013, CID staff presented seven on-site

continuing education workshops. Seventy-three professionals from 12 states attended.

n In Missouri and Illinois, CID consulting sessions and in-services reached 94 teachers and educational staff and 60 school children.

n CID sold 770 educational curricula, assessments and listening support products in 45 states and four countries, for a total of $96,046 – an increase of 32 percent over last year’s total. Newly published products accounted for more than half of sales.

n Staff continued to pilot assessments and curricula in preparation for production in 2014. These included tools to track play, vocabulary and pragmatic lan-guage of preschoolers and a major revision of the classic CID TAGS system for use by teachers to help children with hearing loss develop language skills.

n At the Early Hearing Detection and Intervention (EHDI) conference in Los Angeles, CID parent educators Dorie Noll and Claire Soete received the first place Communication Award for their poster session, “Making It Work Without the Toy Bag: Using Family Resources to Meet Session Objectives.”

n Six of CID’s fully certified, master’s level teachers of the deaf and AuD/PhD pediatric audiologists served on the faculty of the Washington University School of Medicine Program in Audiology and Communication Sciences (PACS).

n CID teachers, speech-language pathologists and audiologists provided practicum experiences for graduate students from Washington University and Fontbonne University. The audiology department hosted an extern from Arizona State University.

In 2012–2013, more than 200 people visited CID.* Among them was former CID education coordinator Michelle Gremp, PhD (above left). As a research associate at the University of Georgia, Gremp visited CID classrooms several times to collect video for a national study of literacy and deafness.

PHOTOS BY KIM READMOND

CID began to plan self-study webinars to bring CID classrooms to teachers online. The first webinar followed Porter as he learned to use spoken language in new ways every day.

PHOTO BY CHRIS MALACARNE

school

*not including graduate students, volunteers, workshop participants and prospective families

Page 6: individual | family | community | world · In 2013, Charity Navigator, a leading charity evaluator, once again awarded CID its highest possible rating for sound financial management,

In May of 2013, 380 guests, many dressed in jungle- chic camouflage, sang along with the students to “The Lion Sleeps Tonight” at the CID Ultimate Picnic at the Four Seasons Hotel St. Louis. Together, we raised over $258,000 to help children learn to listen, talk, read and succeed.

event chairKerrin Kowach graphicsLaura L. Lyon auctioneerJ. Kim Tucci members Penny AlperKathy BeileinTara BrengleHaley & Ben BultmannGenevieve DelRosarioElizabeth DorrLeanna & Jeff FennebergJill FivecoatChrissy & Michael LaycobRuth-Ellen LichtenfeldNoel ManganoKristin McGuire

lead event sponsorWells Fargo Advisors

ultimate event sponsorsMrs. F. Lee Hawes

Anabeth & John Weil

auction paddle sponsorSM Wilson & Co.

wine pull sponsorThe Toombs Family Foundation

premier table sponsorsClayco

C. Baker Cunningham & Doris A. DrewryEdward Jones

Lou Goltermann, Jr. Graybar

Husch Blackwell LLPRalph W. Kalish, Jr. & Eleanor Withers

The Koman GroupParker & Steve McMillan

The Northern Trust CompanyRalcorp Holdings, Inc.

Laurie MillerKaren MonetteAdrianne & Jared NevilleRachel OliverLinda PalmerLauren RidenhourTelia RodgersTheresa SecrestRebecca StisserAnabeth WeilKerri Williamson

decorationsDoris DevereuxBette Hess

live auction chair Laurie Haffenreffer

silent auction chair Katie Clark

Mr. & Mrs. Ned O. LemkemeierMr. & Mrs. Mont S. LevyMs. Bretta LichtenhanMr. & Mrs. Robert McLaughlinMr. Peter A. McMillanMr. & Mrs. Albert M. MelmanMr. & Mrs. Paul MendelsonMr. & Mrs. James E. MeriwetherMr. & Mrs. Dale MillerMr. & Mrs. Daniel J. MillerMs. Laurie W. MillerMr. & Mrs. Harris MilliganMr. David MoellerMr. & Mrs. Scott MonetteMr. Mark MoschnerMr. & Mrs. Michael W. NealMr. & Mrs. Jared NevilleDrs. Patrick & Jennifer NevilleMr. & Mrs. Jim NevilleMr. Chris Nitzsche

& Ms. Caroline SpringerMr. & Mrs. Craig NobleMrs. Elin Nozewski

& Mr. Tony NozewskiMr. & Mrs. Augustus C. Phillips, Jr.Mr. & Mrs. Greg PonitzMr. & Mrs. William H. ReisnerMr. & Mrs. Mark J. RenneMr. & Mrs. David RipesMr. & Mrs. John W. RogersDr. & Mrs. James RohrbaughMr. & Mrs. Thomas RollinsMr. & Mrs. Michael D. RubinMr. Jack P. RussoMr. & Mrs. Mark RynasiewiczMr. & Mrs. David J. SchepersMr. Vito ScorfinaMr. Robert Sears

& Ms. Erica LeisenringMrs. Theresa Secrest

& Mr. Scott SecrestMr. William Bixby Sheldon ‘54

& Mrs. Kathryn McGuigan Sheldon ‘59

Mr. & Mrs. Robert A. SiegelNazif SinmazdemirMs. Brianna C. SmithMr. & Mrs. Michael SmithMs. Michelle SmithMr. W. Bruce Springer

& Dr. Patricia A. WestMr. & Mrs. Thomas SutterfieldMr. Samir TayobMr. & Mrs. Eugene Toombs, IVMr. & Mrs. Terrald ThomasMr. & Mrs. Ryan TriboutMr. Jeffrey R. TuckerMr. & Mrs. Mark R. TuckerMr. & Mrs. Mark VivianiMr. & Mrs. Robert W. VorlopDr. & Mrs. Benjamin Voss Mrs. Carol WallMr. Stan WeberMr. & Mrs. Richard F. WeinstockMr. & Mrs. Ron WeissMr. & Mrs. Andy S. WeisslerMr. & Mrs. Hans WiemannMr. & Mrs. Raymond

M. Wiesehan, Jr.Mr. & Mrs. Steve WilliamsonMr. & Mrs. Stephen B. WohlfordMr. & Mrs. Max L. WoodMr. & Mrs. Douglas H. Yaeger

top hat donorsIn 2013, 131 Ultimate Picnic guests made gifts totalling $78,350 for children’s scholarships.

Mr. & Mrs. Zach AbelesMs. Jennifer L. AllmonMr. & Mrs. Marc H. AlperMs. Carly C. AlsbachMr. & Mrs. Theodore M.

ArmstrongMs. Mary AtkinMr. & Mrs. Albert J. BarbieriMs. Mariquita BarbieriMr. Mike BarrettMs. Martha Behnen

& Mr. Mark GonnermanMr. & Mrs. Raymond BenteleDr. & Mrs. Richard A. BernsteinMr. & Mrs. Phillip M. BertrandMr. & Mrs. Rob R. BezjakMr. & Mrs. Greg BillhartzMr. Craig BolandMr. R.F. Brandenburg, IIIMr. Jeff Burkett

& Ms. Ellen R. FuttermanMr. & Mrs. Ben BultmannMr. Scott CampbellMr. & Mrs. Kevin CarnieDr. & Mrs. William W. ClarkClayco Mr. & Mrs. Kenneth B. CohenMr. & Mrs. Frank CorrealeMs. Lisa CowdreyMr. C. Baker Cunningham

& Ms. Doris A. DrewryMr. John S. Davis

& Dr. Kathryn D. CramerMr. & Mrs. Frank J. DelRosarioDr. Gino DiIorio

& Ms. Katherine R. FleetMr. & Mrs. David EidelmanMr. Charles S. Elbert

& Ms. Karen Berry ElbertMr. Henry ElbertMr. & Mrs. Joseph L. EschbacherMr. Arthur J. FahrnerMr. Brett FasoldMr. & Mrs. Gary H. FederMr. Jeff Fenneberg

& Dr. Leanna FennebergMr. Byron R. FetteMr. George FonyoMr. Gary P. FoxMs. Erica J. FurrerMr. & Mrs. Carey GodiMs. Christen GoltermannMr. & Mrs. Ross HammondMr. Walter L. HawkinsNola & Jesse HayesMr. Joseph W. HoffmannMr. & Mrs. Steven HorstMr. & Mrs. Kevin HuntMr. & Mrs. Matthew HusbandMr. & Mrs. Fred JaeckleMr. Richard Jarrett

& Ms. Donna CobleMr. & Mrs. Jeff JohnsonMr. Erik KaranikMr. & Mrs. Charles F. KnightMs. Jenny E. KnodererMr. & Mrs. Eric B. KoestnerMr. & Mrs. David J. KowachMr. & Mrs. Ken KruseMr. & Mrs. Kevin LasaterMs. Sarah LawDr. & Mrs. Leland LaycobMr. Charles J. LeCrone

ultimate picnic committee

presents

CID on safari

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Page 7: individual | family | community | world · In 2013, Charity Navigator, a leading charity evaluator, once again awarded CID its highest possible rating for sound financial management,

Rachel was adopted from a Russian orphanage at age 2. It was not long before her mom, Mary, learned of her hearing loss. The family reached out to CID.

Rachel was a lively child who babbled constantly and loved to show off her toy grocery cart to the CID parent educator during home visits. Mary was deeply committed to helping her learn to listen and talk, never missing a parent-teacher conference or a school perfor-mance during the ensuing 10 years at CID.

Rachel is now a role model for the younger students. Her teachers describe her as a kind girl and a good friend. She excels at math and has learned to love reading despite some early struggles.

Rachel learned to play the piano and she loves to dance. She is one of several CID students who are also first generation Americans.

PHOTO BY CHRIS MALACARNE

PHOTO BY CHRIS MALACARNE

meet Rachel

Page 8: individual | family | community | world · In 2013, Charity Navigator, a leading charity evaluator, once again awarded CID its highest possible rating for sound financial management,

Lauren AbelLacey AbellJulie AldridgeJuanita AllmonTony AllmonPenny AlperKate AltenhoferSara BaldocchiEmma BalesKate BattigSam BeckmannKathy BeileinSarah BekemeyerJoy BenderLynda BerkowitzRick BerkowitzGreta BohnenkampElizabeth BredbennerSteve BredbennerTara BrengleJessica BrockAbbey BrynacBen BultmannHaley BultmannParker BurdBobbi BurgTyler CaldwellAlison CarnieStephanie CaseyBarry CervantesRosie ChristalMatt Cibulka

Bill ClarkChris ClarkKatie ClarkMeghan CohenTom CohenKieran ConnollyBree DeGrawGenevieve DelRosarioDoris DevereuxLauren DieckmannTom DieckmannKatie DimitriyeuPhil DonatoLiz DorrBill DunawayCully EisenbeisKatie EisenbeisPat EssermanMark EtchasonSusan EtchasonBeth EvansStephanie FarberRobin FederJeff FennebergLeanna FennebergPatty FischerJill FivecoatHeather FlickBecky FowlerRob FowlerDonita GibbsLara Glauber

James GrahamHaley GrueberDianne GushleffLaurie HaffenrefferCourtney HalterLeslie HarbaughJacqueline HartSteve HatfalviErin HemmeJoel HemmeBette HessErin HigginbothamMollie HipakkaJanelle HivelyNersida HodzicSuzanne HoffmanMark HoffmanPatti HoffmanAnn HolmesKathy HoltmanMatthew HorasMegan HornofKate HowellLisa InchVal JohnsonOlivia JordanCelia KauferLaurie KienstraKerrin KowachLindsey KuehnelJamie KuhnAnnika Lammert

Barb LanferAviya LanisJodi LarsonBrooke LarsonChrissy LaycobMichael LaycobRuth-Ellen LichtenfeldMatt LinsenbardtJackie LitzingerJoe LutkewitteNatalie LutkewitteLaura LyonErin MabreyLarry MabreyNoel ManganoLaura MansonReid MarshallAndrea MartinChristopher MayerSean McCaffreyMike McCalpinKaitlinn McCandlessKristin McGuireKyle MeadowsGwen MeriwetherBarb MeyerLaurie MillerKaren MonetteDrew MorrisMelissa MuellerShelby MundAdrianne Neville

other volunteers

Naked VineNascar SpeedparkNawgan Products, LLCNeiman MarcusNestle Purina Pet CareJared NevilleJim NevilleNicole’s of LadueMr. & Mrs. Richard L. Nix, Jr.Rachel H. OliverBrett OpalinskiOpera Theatre of Saint LouisOptimus, LLCAndrea OsmanThe PageantPatrick’s Restaurant

in West Port PlazaPaul Mineo’s TrattoriaPedro’s PlanetPGA of AmericaPi RestaurantPRP Wine InternationalPURE Holdings, LLCPurk & Associates, PCRalcorp Holdings, Inc.The Repertory Theatre

of St. LouisLauren Ridenhour

Robert Ramsey HairRobust Wine BarS.M. Wilson & Co.Panera, LLCSaint Louis UniversitySaint Louis University

Barnes & Noble BookstoreSaint Louis ZooDavid J. SchepersSchiller’s Imaging GroupTheresa SecrestLinda A. SeemillerWilliam M. ShanerJohn ShepleyRebecca L. ShippSimons JewelersSmathers & BransonSplashSt. Louis Blues 14 FundThe St. Louis BrewerySt. Louis Cardinals, LLCSt. Louis Fire DepartmentSt. Louis RamsSTAGES St. LouisDale SteinbackStephanie Cotta PhotographyDiana A. SternbergEric Stisser

STL-StyleStudio Branca SalonSpaSwift Print CommunicationsTani Sushi BistroTeamson Design GroupThe Colbert ReportThe Fabulous Fox TheatreThe Firecracker PressThe Lab GymThe Magic HouseThe Original Pancake HouseThe Saint Louis Black

Repertory CompanyThorn Studio, LLC –

Exceptional Floral DesignEugene M. ToombsTrainwreck SaloonUS BankUpper Limits Climbing GymUrban Breath YogaVinciguerra JewelryEllen WallacePatricia A. WassermanWaterway CarwashSteve WilliamsonSteven WoodYaYa’s Euro Bistro

chair Samir Tayob

communications chair Kristin Messey

membership co-chairs

social co-chairs

CID outreach committee

Mariquita BarbieriMark CampbellAlison CarnieBill DunawayBecky ErbarDianne ErberKate ErkarMichael ErkerRob FasoldtJohn Hoffstetter

Mike HuelsmannEric KoestnerMeghan LampingChris NitzscheDavid RathTori RichardLinda SeemillerBecca ShippTadd SimmonsMeara Smith

Jared NevilleTerri O’DonoghueTod O’DonoghueRachel OliverJames OttolinoLinda PalmerDimple PatelMelanie PaticoffSheena PaytonDanielle PipitoneAmanda RaspantiKim ReadmondSusan ReekersMark RempeMary RiceLauren RidenhourFrancine RodenTelia RodgersMikey RomanoCandice SalmonHenry SamsonSamantha SchlesingHolly SchroederClaire SchuelerEmily SchwendemanTheresa SecrestLinda SeemillerGeeta ShandilyaRebecca ShippMatt SignorinoMia SignorinoSara Sisk

Samantha SlutzkyCathy SmallMeara SmithClaire SoeteMike SoeteAshley SomratyDiana SternbergConner StevensonDani Jo StevensonDevin StevensonMindy StiegRebecca StisserShari SummerlinLisa SutkusMarty TannerIan TigheAmy TiptonKarah TysonAmy VarbleSaadia WaltonPatti WardKelsey WarrenAnabeth WeilEllie WhitePatrick WhiteHans WiemanKerri WilliamsonDiane WoepkeNicole ZelleverAbby ZoiaMike Zoia

members Caroline Springer Diana SternbergEric StisserTom TesarJeff TuckerAbram Whitehead Jessica Nieva Whitehead Steve WilliamsonJeff Wolfe

september 1, 2012 – august 31, 2013

Chris Goble and Katie Kirk

Megan Campbell and Matt Linsenbardt

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Page 9: individual | family | community | world · In 2013, Charity Navigator, a leading charity evaluator, once again awarded CID its highest possible rating for sound financial management,

825 South Taylor Avenue, St. Louis, Missouri 63110

@cidschool Central Institute for the Deaf

Proud member

officers presidentMr. Ned O. Lemkemeier D

vice presidentsMrs. Carrie L. JohnsonMr. Ralph W. Kalish, Jr. F T

Mrs. Joanne P. Knight D

Mrs. Lisa D. McLaughlinMr. Scott D. MonetteMr. William B. Sheldon DMr. James M. Snowden, Jr.Mr. W. Bruce SpringerMrs. Kelly B. Tyson Mr. John D. Weil D

Mr. Scott J. Wilson

treasurerMr. Dennis M. Reagan

assistant treasurerMrs. Tina L. Klocke

secretaryMs. Laurie W. Miller

assistant secretaryMrs. Amy R. Tighe

executive director assistant secretaryMrs. Robin M. Feder

members Mr. John Arenberg Mr. Paul M. Arenberg DMr. Theodore M. Armstrong F

Ms. Mariquita BarbieriMrs. Kathy BeileinMr. Stacey L. BlackmonMrs. Virginia J. Browning H

Mrs. Mary Burgesen Mr. Frank S. ChildressDr. Richard A. Chole HMr. Robert G. Clark FDr. Jerome R. Cox, Jr.Mr. Robert Crumpton Mr. C. Baker Cunningham FMrs. Kayla L. DennisMrs. Elizabeth F. DorrMr. Michael H. Freund F D

Mrs. Linda GoldsteinMr. Louis S. Goltermann, Jr.Mrs. Laurie HaffenrefferMrs. Robin A. HattoriMrs. Florence W. Hawes DMs. Antonnette M. JacksonMr. Thomas R. Jayne FMrs. Kerrin M. KowachMr. Stephen H. LewisMr. Steve McMillanMr. Edwin B. Meissner, Jr. F DMr. Paul MendelsonMrs. Barbara B Morriss D

F past president D l i fe member H honorary member

T deceased

Mrs. Dorie Noll Mrs. Elin C. NozewskiMrs. Faye Beth O’ByrneMrs. Rachel H. Oliver Mrs. Tracy PursifullMrs. Jennah R. PurkMrs. Jada D. ReeseMr. Jorge A. Riopedre Mr. David A. RipesMr. David J. SchepersMr. Hugh Scott, III F D

Mrs. Theresa SecrestDr. James W. SeeserMr. William M. ShanerMr. Eric Stisser Mr. Eugene M. Toombs, IIIMr. Jeffrey R. TuckerMr. James R. von der HeydtMrs. Anabeth WeilMr. Steve Williamson

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Become a volunteer.

Consider including CID as a beneficiary in your life insurance policy or estate plan.

For information, please contact Ann Holmes at [email protected]

Thank you for your support!

board of directorsas of august 31, 2013