InspIRIng our Youth to AspIRe

to gReAtness

2 0 1 4 a n n u a l r e p o r t

f o R w a r dfuture

ouR ImpAct on

Young mInds

2 0 1 4

impact data

AllegAny

Anne Arundel

bAltimore city

bAltimore

cArroll

Frederick

HArFord

HowArd

kent

Queen Anne’s

wAsHington

26 1,1194,276

5,778

2,2655,990

11,780

8,678 1,424

861

650

AnnuAl report 1

Did you know that despite ongoing challenges with unemployment,

nearly four million U.S. jobs are available and waiting for just one

thing? That one thing is qualified applicants. There are complex

reasons behind this gap—chief among them: lack of preparation.

student reach

by county

eachers work hard to get our young people ready for the real world. In fact, teachers are our heroes. But as they will tell you, they cannot do everything on their own. You already know it takes active and engaged parents, too. But many young people need even more support. They need someone to show them, really show them, what it takes to succeed. They need to hear your story. They need to hear what you overcame. They need to see you – in person – and know you care enough about their future to give of your time and resources to help them own their economic success and open their eyes to world of possibilities.

Junior Achievement works strategically to bridge the gap between business and education leaders. You will see shining examples in this annual report. These are truly inspiring highlights. But there were also more than 2,000 volunteers who also made meaningful impressions throughout Central Maryland last year. Together, we connected the dots between classroom learning and the business world. Together, we showed students how to successfully apply for jobs, manage their money, or start and grow a business to create jobs and drive innovation.

And outside the classroom, we were busy too. We ignited interest in high-growth careers through onsite job shadow opportunities. We invited students to visit us at Junior Achievement for a deeply powerful, hands-on learning experience called JA BizTown®.

As a result, the tens of thousands of students our volunteers reached now have something in their minds: a memory. Or better yet, an experience to shift their beliefs and eventually, their actions.

This annual report is our heartfelt thank you for inspiring our students to aspire to greatness.

Together, we fostered a spirit of entrepreneurialism and “can-do” attitude among our young people that will never, ever go out of style. Together, we were truly there for the more than 42,000 students we served.

Together, we are Junior Achievement—for our young people and for our future.

Sincerely,

arthur flach Managing Partner,

Grant Thornton Board Chair, Junior

Achievement of Central Maryland

jennifer bodensiek President & CEO,

Junior Achievement of Central Maryland

T

a m e s s a g e f r o m o u r

leadeRship

“every person passing through this life will unknowingly leave

something and take something away.

most of this something cannot be seen or heard

or numbered or scientifically detected or counted. it’s what

we leave in the minds of other people and

what they leave in ours. memory. nothing

counts without it.”

– robert FulgHum

author of all i really Need to Know i learned in Kindergarten

page 14

page 02 PArTnErShIP inspiring a Commitment

page 04 JA JOB ShADOW inspiring a Vision

page 06 vOlUnTEErS inspiring a legacy

page 08 ThAnk YOU letter excerpts

page 10 JA EvEnTS 2014

inside

lISTInGS partner organizations participating schools honor roll financial statement Board of directors

2 jA mArylAnd

When you think of the term “partner,” certain words come to mind—like collaborator,

teammate, comrade, and colleague. T. rowe Price is all of those things to JA, and

more. In fact, 2014 marked a banner year for support, which expanded from the

firm’s already generous funding, volunteerism, bowl-a-thon participation and

board service, to the addition of a branded shop in JA BizTown, a JA Job Shadow™

experience for high school students, and a national partnership with JA USA.

“JA and the T. rowe Price Foundation have a shared commitment to financial education, and, in particular, developing kids' financial capabilities,” says Ann Boyce, president of the T. rowe Price Program for Charitable Giving. “The Foundation financed a special JA web portal in honor of the firm’s 75th anniversary in 2012 that offers educational content for kids, parents, educators, and JA volunteers. The content reinforces beneficial financial concepts and behaviors, such as setting goals, promoting savings, understanding inflation, and diversifying assets.”

A highlight of the portal is the online game, The Great Piggy Bank Adventure, developed by T. rowe Price in collaboration with Walt Disney Imagineering. JA of Central Maryland was one of several pilot sites to bring the game to thousands of students across the country.

“We wanted The Great Piggy Bank Adventure to be a bridge for families to have financial conversations. The national partnership with JA USA also allowed us to sponsor a JA BizTown storefront to expose kids to the concepts of investments,” adds renee Christoff, head of Corporate Social responsibility for the firm. “Within the next year, we will add a storefront in Colorado Springs and a kiosk in Tampa. This will give us a physical and educational presence in each of our major U.S. locations where our associates live and work. Our associates have already been involved in volunteering for JA BizTown and classroom programs, so this is an even more visible way to be involved.”

commitmenti N s p i R i N g

a

Few understand the impact of volunteerism and philanthropy more than Suzanne ricklin, head of U.S. Investment Services – registered Investment Advisors, and a long-time JA board member, volunteer, and donor. Suzanne spends time coordinating a company bowl-a-thon event that raises more than $40,000 each year, as well as volunteering in the classroom. For the past 15 years, she has served as a positive role model and mentor to at-risk youth in elementary schools. This past year, she was one of 52 T. rowe Price associates who volunteered for a range of JA programs.

“Board service is important to me because I am able to make contributions that impact the support system around bringing JA’s mission to life. I also like volunteering because I can see the kids and the lives it touches first-hand,” she explains. “It’s so fulfilling to see the light bulbs go off when young people start to make connections to personal finance in their own lives. Teaching these concepts in the critical younger years helps them gain knowledge and decision-making skills to be empowered adults.”

Above: This past year, T. rowe Price opened a storefront in JA BizTown, and launched a

nationwide partnership with JA USA featuring The Great Piggy Bank Adventure online game.

Partners in student success

AnnuAl report 3

t. rowe price strives for client success and business excellence. the firm also believes it

has a role in bettering the communities where its associates live and work.

edwArd bernArd

Vice Chairman, T. rowe price group

“providing financial education for young people is an area of focus for us. JA and its various programs—from BizTown to

its work readiness and entrepreneurial classroom programs—align closely with t. Rowe price’s efforts to build communities’

financial capabilities by improving financial behaviors in children and their parents.”

4 jA mArylAnd

Outside of the classroom, high school students spend a lot of time studying,

participating in sports and being with friends. They don’t often have the

opportunity to see what many adults do in their day-to-day professions. It’s a gap

that leaves teens largely unprepared for the realities of the workplace. But when

a vision appears—when young people have the chance to see what their futures

might hold—their path becomes clear.

JA Job Shadow presents that path, providing the opportunity for students to visit

an organization and learn about industries, careers, educational requirements and

performance expectations. With the support of host sites, community volunteers

have the opportunity to reveal their authentic, real-world job experiences and allow

students to explore a variety of diverse work environments.

rigHt: During their JA Job Shadow at BGE, Atholton high School students observed a safety demonstration and learned what coursework is required for engineering careers.

vision“I was so glad to be a part of the Ja Job shadow. It allowed me to pay it forward, and I hope that my story and words of encouragement will inspire confidence in the students that they, too, can follow their dreams to a successful future.” – krystin stArks Millennial Media

“It was good to learn that even though Bge is an electric company,

people with different degrees can work together.”

– student atholton high school

JA Job Shadow makes the World of Work Come to Life

Above: Federal reserve Bank of richmond welcomed students from Benjamin Franklin high School, who benefitted from a panel discussion featuring a variety of professionals, facility tour, and networking lunch.

i N s p i R i N ga

AnnuAl report 5

below: Atholton high School students asked BGE leadership about job rotation and employment opportunities.

ThaNKsto the foLLoWing

organizations

In school year 2013-14, Junior Achievement of Central Maryland

provided JA Job Shadow opportunities to more than

1,500 students at these host sites.

at&t

Bge

mayor's office of employment development,

Baltimore city

eBay/paypal

federal reserve Bank of richmond

ge capital

Baltimore city puBlic schools

millennial media

r2integrated

space telescope science institute

t. rowe price

washington county puBlic schools

“stscI is committed to showing girls the variety of career options that are available in stem fields and exposing them to female role models. This effort will bolster our country’s ability maintain its science and technology leadership in the competitive new world of the 21st century.” – cHristine rueter space Telescope science institute

“The JA Job shadow was an outstanding experience that

broadened my mind about my career and my life.”

– student Baltimore leadership school for Young women

Above & below: Students from Seton keough high School had a “stellar” experience at the Space Telescope Science Institute, where they gleaned words of wisdom from a panel of female scientists, software engineers, and IT professionals. They also learned about advances in space exploration and participated in hands-on activities to spark innovation.

6 jA mArylAnd

Every day at JA BizTown is different. But when Capital One volunteers are “in the house,” there are some

things we can always count on: matching T-shirts, team spirit, enthusiasm, preparedness, and a desire to

serve. In the 2013-2014 school year alone, Capital One volunteered in JA BizTown five times, thanks to the

dedication of 93 associates who made it their business to bring the world of business to JA kids.

“I always know it’s going to be a good day when I see the Capital One volunteers signed up for a JA BizTown visit,” says rebecca Golloub, JA BizTown Program Manager. “They arrive on-time and are consistently ready to work hard. Their positive attitudes, and their persistence to guide the students to success, is what we look for in every volunteer that walks through our doors.”

That commitment is part of the fabric of Capital One. And their tag line “Capital One: Investing for Good” is more than just a catchy phrase.

“It is absolutely a core value for us to be part of the community, and that means more than writing a check,” explains haley rosengarten, Senior Associate of Community Affairs. “It’s a priority for us to make a deeper investment in our community through volunteerism. We want to connect our associates with clients, students and topics that are meaningful to them.”

And JA fits the bill. In fact, Junior Achievement is a nationwide partner with Capital One, which provides financial support as well as volunteers for several programs, including JA BizTown, JA in a Day and JA Finance Park. In Central Maryland, the focus is JA BizTown. Capital One believes that JA curriculum is in line with its mission and supports the importance of financial literacy at all ages.

“JA prepares students for what the real world looks like,” says Stephen hazard, a District Manager for Capital One and veteran JA volunteer. “It gives them a perspective of careers, how cash moves and what you have to do to make a business run. It brings all of this together in an age-appropriate way that isn’t simplistic. It connects the dots for them.”

In his numerous roles with Capital One across the country, hazard has volunteered for JA about 25 times in JA BizTown and classroom settings. now a manager of multiple associates, he also encourages others to serve.

“Being in the community is where we need to be. It’s better than any advertising,” he explains. “And what better place to have an impact than JA? It’s a respected name, has tested curriculum, and is very portable. We can spend quality time working with kids and not so much time preparing for it. What we take back is the great feeling of being able to support a student’s success.”

i N s p i R i N ga

Above/rigHt: Capital One volunteers always bring their best to the kids of JA BizTown. Says coordinator

haley rosengarten, “I don’t send volunteers anywhere I haven’t been myself. We want associates to have an incredible experience, as well as create an incredible

experience for the people we’re serving.”

legacyCommunity service

to the Core

AnnuAl report 7

“Thank you for working hard to help me learn more about the grown-up world. I am so happy you took time out of your day to help me. nobody has really done that for me that didn’t get paid. I really wish you could be there to see me write my first check to a real bank and know that it was all because of you.”“I could use this experience

for a lot of things when I get a job. I learned that if you work hard, you can succeed in life.”

“I learned that being my parents is very stressful

having to work for a long time, paying bills, and making sure you keep

the money up.”

“I got to be an adult for a day. I got to learn what a ceo does and that was the best. All of the things I learned, enjoyed and experienced, I will take with me in my life.”

“It was a pleasure to work at Ja BizTown, and it was fun. I would love to go there again. And when I’m old enough, I would like to volunteer

there and help the younger kids.”

in tHe words oF our students

how Ja BizTown Volunteers Taught Them real-life lessons

8 jA mArylAnd

our students say thanK you

to the Ja Partners, voLunteers

and eduCators Who beLieve

in the boundLess PotentiaL of

young PeoPLe…

i’M soRrY i CosT so MuCh.thank you, mom, for paying all these bills.

making choices and spending money is hard.

– jA personAl FinAnce experience student

excerpts fromstudent thAnK

You letteRs

I really want to thank you for taking time out of your life

to teach me. I Also wAnt to thAnk You foR

mAkIng me moRe InspIRed to

Be An entRepReneuR. when

I Become An entRepReneuR,

I wIll use the skIlls You

tAught me, lIke AdveRtIsIng

And how to mAke moneY In

BusIness. I hope to Be veRY

successful so thAt I cAn

Become woRldwIde And hAve

mY AdveRtIsements on tv

And BIllBoARds. mY BusIness

would pRoBABlY Be clothes oR

shoes. BecAuse of You, All of

thIs Just mIght hAppen. You

ARe Awesome, And I AppRecIAte

whAt You dId foR me.

– jA in A dAy student

AnnuAl report 9

mY peRceptIon of moneY hAs chAnged dRAstIcAllY. now thAt I know ABout tAxes And All of the moneY thAt eveRYthIng costs, I AppRecIAte whAt I hAve moRe.

i like that i got to

expeRieNCe whaT adulTs go ThRough.

thank you for giving us the opportunity to see science and engineering at work and discuss careers with some amazing women. – jA job sHAdow student

When you came in, you made it really easy for our class to understand the smartest ways to spend our money. it’s kind of hard to concentrate in class when doing bookwork, so when you came in we all really learned something. if you went into other classes, you could make them excited about their future! – jA HigH scHool progrAm student

thAnk You, thAnk You, thAnk You to All the

helpeRs At Ja BizTowN.

Thank you for coming into our class and donating your time.

i can’t stop saying thank you. you have been most helpful. your ideas have given me thoughts of owning my own shop. i like the way you helped me understand money. it went along well with what i have learned in school. – jA biztown student

also, i’ve learned that school is extremely important when it comes to my future. this is because if i do well in school, i could get a good job that pays well enough to pay my expenses. for these good jobs, i have to be smart and do well in school – jA FinAnce pArk virtuAl student

also, i had to make tough decisions

at the end of the day. i enjoyed this

experience, having fun while trying to

stay in a real-life budget situation.

– jA personAl FinAnce experience student

YouThaNK

Thank you for sharing information that we can use almost every day of our whole adult life. – jA in A dAy student

10 jA mArylAnd

events2 0 1 4

J A S u p e r

B o w l - A - T h o n

scores big

What a win! last year’s JA Super Bowl-a-Thon season was one for the record books—surpassing all previous records for fundraising. During the spring, JA of Central Maryland hosted fifteen events across the state, which raised a total of $160,000. More than fifty companies and their teams joined us for games, prizes, raffles, giveaways and much more.

“Supporters of JA understand that our ability to reach over 40,000 students in a school year depends on the success of our fundraising events, especially the Bowl-a-Thon, which continues to be our largest and most profitable,” said Colleen Ensor, JA Manager of Operations and Special Events. “Our 2014 Super Bowl-a-Thon companies used these events as a platform for engaging their employees in an activity that not only built morale, but also supported the local community in which they do business. They are participating to educate and empower students who could one day be members of their workforce.”

SCOrEBOArDspecial thanks to the bowlers,

coordinators, sponsors and donors who scored a strike

for Ja kids!

super bowl-a-thon

15events

160,000rAised

50pArticipAting

compAnies

20new

250teAms

“what an event! the staff of primelending

had a great time at the bowl-a-thon. we thoroughly enjoyed

helping such a great cause, while working

collectively as a team!”

– sHAron m. brown-egbunine

Bowl-a-Thon Coordinator and eastern division administrative

supporter, primelending

AnnuAl report 11

eNdoRseMeNTsCheers to the sPonsors of our 2014 suPer boWL-a-thon events!

BB&t

Baltimore Business Journal

fogo de chao

ge capital

ikea

mccormick

miles & stockBridge

new york life

oBer kaler

phh

randstad professionals

sB & company

stanley Black & decker

t. rowe price

the law office of Jane frankel sims

TeaM rosTerthese PartiCiPating ComPanies brought their “a” game to the suPer boWL-a-thon.

Veteransaccenture

adp

BB&t

c.e.a. scholtes & associates

cohn reznick

ernst & young

ikea

ikea direct

katz aBosch

kpmg

laureate education, inc.

m & t Bank

mccormick & co.

mecu

miles & stockBridge, pc

new york life

northrop grumman

oBer kaler

pricewaterhousecoopers, llp

sB & company, llc

sc & h group, llc

securityplus federal credit union

stanley Black & decker

suntrust Bank

t. rowe price

target marketing group

toyota financial services

transamerica

uBs

weyrich, cronin & sorra

zurich north america

rookiesaccountaBility experts, inc.

allen & shariff

Baltimore Business Journal

Bank of america

Bechtel power corporation

Brian kurtzman & family

continental title group

eBay/paypal

first national Bank

ge capital

gliknik, inc.

macpa

primelending

randstad professionals

sandy spring Bank

trusted wealth advisors llp

wells fargo advisors

woodforest Bank

zentech

Baltimore Beats pittsburgh!

Go team! In a friendly competition between JA USA areas, JA of Central Maryland beat out

JA of Western PA in the percent increase in fundraising and total amount raised per bowler. Above, Jennifer Bodensiek (far right), President of JA of Central Maryland, accepts an award for these victories in The Great American Bowl-a-

Thon Challenge. Also pictured are kris Ponciroli of JA USA and Dennis Gilfoyle, our worthy

opponent and President of JA of Western PA.

1,230bowlers

4,000jA students supported

over

12%

pArticipAtion increAse

21%

revenue growtH

100% sponsorsHip

growtH

over

12 jA mArylAnd

Ja seminar seriesOver 80 businessmen and women joined JA in a series of two leadership seminars last year. During the first workshop, “From Manager to leader,” Alan Dobzinski—a JA board member, author, executive coach, and America's Accountability Expert—detailed ways that managers can get the best out of their teams to fuel innovation and foster a culture of excellence. Participants learned ways to lead people instead of managing tasks, and to motivate employees while holding them accountable for results. The interactive session raised more than $5,800 for JA programs in Central Maryland. Our thanks go to Dobzinski for donating his time and talents, and to our events sponsors, Zia's Cafe, Trusted Wealth Advisors, laureate Education, Inc., northwest Savings Bank and Centennial Surety Associates for supporting this career advancement opportunity for Baltimore-area businesspeople.

JA also hosted a second seminar featuring Sandler Training curriculum. The session, led by Chris McDonell, President of McDonell Consulting & Development, Inc., included detailed strategies to effectively handle the most pressing and challenging conversations with employees. Attendees benefitted from tactics for preparing for difficult conversations and delivering feedback without damaging relationships. Thanks to the generosity of Sandler Training, McDonell and our sponsor, laureate Education, Inc., we raised $5,500 to benefit JA kids.

m e A l S A n d

merrimentThe gathering food Truck festivalsIn October and May, JA participated in The Gathering’s popular food truck festivals in Owings Mills. The family-friendly events included many of Baltimore’s fabulous food trucks, drink specials, live music, and local vendors. What’s more, the festivals raised more than $1,600 for JA programs. We would like to thank The Gathering for selecting JA as a beneficiary and partnering with us to support our work with Central Maryland students.

l e A d i n g

the wayevents2 0 1 4

AnnuAl report 13

Ja BizTown summer VentureMany kids imagine what it would be like to be a grown-up, and this past June, JA gave them the opportunity through its exclusive summer camp, the JA BizTown Summer venture. During this week-long experience, students ages 9-12 had the opportunity to step into an adult’s shoes and operate a business, create marketing plans, develop money management skills and run the JA BizTown economy. The program featured special visits from employees and interns at PwC and kPMG, who served as mentors for our campers. The Y of Central Maryland’s Fit n Fun van also dropped by for some exciting activities that got the kids moving. Thanks to the support of camp sponsor PwC, JA was able to offer this reality-based, hands-on program for local youth.

S u p e r

summercamp

A f e A S T f o r

foodiesFor the fourth year running, Fogo de Chao presented their award-winning, authentic Brazilian cuisine to the delight of JA supporters. As in years past, the event was held in April to commemorate Financial Education Month. The dinner was our most successful ever—serving 165 diners and raising $8,250.

Guests enjoyed a gourmet dinner package that featured slow-roasted meats prepared and served by gaucho chefs. The experience also included a gourmet salad and sides bar, beverages and dessert – for a discounted price of only $50 per person. Fogo de Chao generously donated all proceeds to JA to support our financial literacy, work readiness and entrepreneurship programs.

fogo de Chao Benefit dinner

16 jA mArylAnd

allegany countyBishop Walsh

anne arundel county Annapolis Elementary/MiddleArnold ElementaryArundel Bay Christian AcademyBroadneck ElementaryCentral ElementaryCorkran MiddleCrofton ElementaryDavidsonville ElementaryDeale ElementaryEastport ElementaryFolger Mckinsey ElementaryGermantown ElementaryGlen Burnie Park Elementaryhilltop ElementaryJacobsville ElementaryJones Elementarylinthicum Elementarylothian ElementaryMagothy river MiddleMarley MiddleMeade heights ElementaryMonsignor Slade Catholicnorth County highnortheast highPasadena ElementaryPershing hill Elementaryrolling knolls ElementarySchool of the IncarnationSeverna Park ElementarySeverna Park MiddleSouth Shore ElementarySouthern highSt. John the EvangelistSt. Mary's AnnapolisSt. Philip neriSunset ElementaryTracey's ElementaryWindsor Farm ElementaryWoodside Elementary

Baltimore city Abbottston ElementaryArchbishop Borders ElementaryArlington Elementary/MiddleArmistead GardensBais YaakovBaltimore International AcademyBaltimore IT AcademyBaltimore leadership School for Young WomenBen Franklin highBluford Drew JemisonBnos Yisroel of BaltimoreCarver vocational Tech highCecil ElementaryCommodore John rodgersCoppin AcademyCurtis Bay ElementaryDigital harbor highDr. Martin luther king Jr. ElementaryDr. rayner Brown AcademyEdgecombe Circle Elementary MiddleEdmondson Westside highEutaw MarshburnExcel Academy at Francis M. WoodFallstaff Elementary MiddleFrancis Scott key Elementary/MiddleFurman Templeton ElementaryGeorge W.F. McMechenGeorge Washington ElementaryGilmanGraceland Park ElementaryGreen Street Academyhampden Elementary/Middlehampstead hill Academyholabird Elementary MiddleJames Mosher Elementarylakeland Elementary MiddleMaritime Industries highMonarch AcademyMontbello MiddleMorrell Park Elementary/MiddleMother Seton SchoolMt. royal Elementary/Middle

new Era Academynortheast Middlenorthwood Appold Community Academy IInorthwood ElementaryPatterson Park Public CharterPaul laurence Dunbar highreginald F. lewis highrognel heights Elementary/MiddleSeton keough highSt. James and JohnSt. Thomas AquinasTunbridge Public Chartervanguard Collegiate MiddleWaverly Elementary MiddleWilliam Paca ElementaryWindsor hills Elementary/MiddleYorkwood Elementary

Baltimore county Bear Creek ElementaryElmwood ElementaryFranklin ElementaryGarrison ForestGunpowder ElementaryImagine Discovery CharterImmaculate ConceptionImmaculate heart of MaryJohn Paul regional Catholiclansdowne MiddleMaryvale PreparatoryMilford Mill Academy highnew Town highOur lady of GraceOur lady of hope - St. lukeOur lady of victoryOverlea highrandallstown Elementaryrandallstown highriderwood Elementaryriverview ElementarySacred heart of GlyndonSandy Plains ElementarySchool of the Cathedral of Mary Our QueenShady Spring Elementary

where your dollars go

in 2014, funds were used to help students in the following maryland schools.

AnnuAl report 17

St. Casimir CatholicSt. Joseph, CockeysvilleSt. Joseph, FullertonSt. Michael the ArchangelSt. StephenSt. Ursula The Carver Center for Arts & Technologyvilla Cresta ElementaryWinand ElementaryWoodholme Elementary

carroll county East Middle SchoolElmer Wolfe ElementaryMt. Airy Middlenew Windsor Middlenorth Carroll Middlenorthwest MiddleOklahoma road Middlerobert Moton ElementaryShiloh MiddleSt. John CatholicSykesville MiddleWest Middle

frederick county Ballenger Creek MiddleBrunswick highBrunswick MiddleCrestwood MiddleFrederick highGov Thomas Johnson Middleheather ridge Middlelinganore highMiddletown MiddleMonocacy Middlenew Market MiddleOakdale highOakdale MiddleThe Banner SchoolThurmont MiddleTuscarora highUrbana highUrbana MiddleWalkersville high

Walkersville MiddleWest Frederick MiddleWindsor knolls MiddleSt. John regional Catholicvisitation Academy

harford county halls Cross roads ElementaryMountain Christianring Factory ElementarySt. Margaret MiddleSt. MargaretSt. Joan of Arc

howard county 21st Century learning hCPSS Applications and research labAtholton highBonnie Branch MiddleBurleigh Manor MiddleClarksville MiddleDunloggin MiddleElkridge landing MiddleEllicott Mills MiddleFolly Quarter MiddleGlenwood Middlehammond highhammond Middleharpers Choice Middlehomewood Middlehoward highlake Elkhorn Middlelaurel Woods Elementarylime kiln Middlelong reach highMayfield Woods MiddleMount view MiddleMurray hill MiddleOakland Mills MiddlePatapsco MiddlePatuxent valley Middlereservoir highriver hill highStevens Forest ElementaryWest Friendship ElementaryWilde lake highWilde lake Middle

St. louis resurrection-St. Paul St. AugustineOur lady of Perpetual help

kent countyGalena Elementaryhenry highland Garnett Elementarykent County MiddleMillington Elementaryrock hall ElementaryWorton Elementary

Queen anne’s county Centreville MiddleGrasonville Elementarykent Island highMatapeake MiddleStevensville MiddleSudlersville ElementarySudlersville Middle

washington county Boonsboro ElementaryBoonsboro MiddleClear Spring MiddleE. russell hicks Middlehancock Middle/Senior highnorthern MiddleSpringfield MiddleSt. Mary SchoolWestern height Middle

AnnuAl report 17

18 jA mArylAnd

the honor rollthe valedictorians: $50,000+The Allstate FoundationOneMain Financial ServicesT. rowe Price Associates, Inc.Toyota Financial Services

the salutatorians: $20,000+Aegon Transamerica FoundationAT&TBaltimore Business JournalBank of AmericaBechtel CorporationCapital OneCiti FoundationE*TradeMaryland State Department of EducationThe Marion I. & henry J. knott FoundationMcCormick & Co.Merritt Properties, llCnorthrop GrummanPricewaterhouseCoopers, llPSam’s Club Giving ProgramStanley Black & DeckerWells Fargo FoundationZurich north America

the principal’s list: $10,000+BGECarmaxDominion FoundationGoldseker Foundationhenry and ruth Blaustein rosenberg Foundationlegg Mason & Company, llCMECUMid-Shore Community FoundationP & G Fund of The Greater Cincinnati FoundationPnCSECUvenable Foundation, Inc.Wells Fargo Bank

the dean’s list: $5000+The Achievement FoundationAllegis Group FoundationBaltimore life CompaniesBB&TBrown Advisory GroupThe Community Foundation of howard CountyContinental Title GroupCSX TransportationErnst & YoungFirst Financial Credit Union of MarylandFogo De ChaoMr. Chris GiermekGoodwill Industries of the ChesapeakeGroove Commercehelen P. Denit Charitable TrustIBMInternational Brotherhood of Electrical WorkersMr. Chuck langmeadMr. Gerry lindnerMiles & Stockbridge P.C.new York life Insurance CompanyObrecht riehl PropertiesMs. Suzanne ricklinSunTrust Bank Y of Central MarylandMr. William Yerman

the achievement list: $1000+AccentureADP, Inc.Baldwin FoundationMr. robert BarnesMs. Jennifer BodensiekBottomline Growth StrategiesMr. Troy BrewerMr. Joseph BunchMr. and Mrs. nigel and Barbara BurdettMs. Susan Burkom

Ms. karen CampbellMr. ron CauseyMr. and Mrs. Bill and ruth ClarkCohnreznickMs. Carol CoughlinMr. Shawn DavisDelaplaine Foundation, Inc.Mr. Alan DobzinskiDon Splawn Chartiable FoundationMr. Scott DorseyeBay FoundationEddie C. and C. Sylvia Brown Family FoundationMr. Arthur FlachMr. Marty FletcherFoundation for Making ChangeMr. Gene FrazierFreedom Federal Credit UnionThe GatheringGEGE AviationGrant Thorton, llPhirschhorn Foundationhoward County rotary - Columbia Patuxenthuether-McClelland FoundationIkeaIkea DirectThe John J. leidy FoundationMr. Gregory kallmyerkent County Public Schoolslaureate Education, Inc.lehigh Cement CompanyMr. Darrell luzzoM&T BankMassMutualMr. lee McChesneyMetlifeMorton and Sophia Macht FoundationP. Browne And Associates ConsultingMr. Edward PaulisPhh ArvalPhrMAPrimelendingrandstad Professionals

rosedale Federal SavingsMr. Jim ryanSaul Ewing, llPSB & Company, llCSC&h Group, llCSylvan laureate FoundationMs. karen SyryloTalcott Gran Charitable TrustTargetMr. Matt TurpinUBS Financial ServicesWalMart WBAl kids CampaignWeyrich, Cronin & Sorra, CharteredWhiteford, Taylor & Preston, llPZenTech

the rising stars listMr. and Mrs. Edye and Steven AbramsMr. and Mrs. William and Amy AdamsMs. Jenna AdleMr. Frederick AlbrechtMs. Sandra Jones AlbrightAllen & ShariffAmazonSmileMr. roland AnnaMr. Bob AltieriMs. Christina AntoniadesArundel Federal Savings BankAtlantic BroadbandMs. Melissa BeckerMr. Tom BeckettMr. and Mrs. BlumenthalMs. kaitlin BowmanBP FoundationMr. ryan BranonMs. rebekah BrownMs. Patricia BrowneMr. Bradley BurgunderMs. kelly BurkeBusiness volunteers UnlimitedMr. Shawn CahallMs. Joy CainMr. Sheldon Caplis

Ja gratefully acknowledges the support of the following donors.

AnnuAl report 19

Mr. Brandon CarreraMs. lolita Carter-rossMr. Matt CascianoMr. Brian CastoC.E.A. ScholtesMr. Carlos CelisCentennial Surety AssociatesMs. Erin CharlesMs. kelly ChinMs. robyn CiurcaMs. Stephanie ClancyMs. Shelva ClemonsMr. and Mrs. J Fred & Jean CloseCnBMr. Jason CookeMs. Elizabeth CowellMr. W. Tal DaleyMs. Angela DeMorelandMs. kimberly DenisMr. Marvin DiazMr. John DinkelSharma DiwakerMs. karen DojanMs. Shobita DuboisEastern Savings BankMr. norman EndlichMs. Colleen EnsorMs. Penny EthridgeMs. kim Fabian and Mr. Ian MuttonMr. Sean FanningFirst national Bank Ms. Jonaye FordMs. Carol FronteraMs. karen GibbsMs. Aileen GibsonMr. Terry GillelandGiveCorps FoundaitonGliknikMs. rebecca GolloubMs. Janet GomezMs. kimberly GooderThe Great CookieGreater horizonshabitat for humanity

haha BrandsMr. and Mrs. Don and lisa hallAyedh Al hajriMs. Eileen harringtonMr. Stephen hazardMs. Amy herkoMr. Paul holdenMr. Albert homiakMr. Matthew JacksonMs. Stephanie JacobsMs. loretta JergensenMs. Janet JettJP Morgan ChaseMs. Eva kantorowkatz, Abosch, WindesheimMs. Stephanie keemerkent County Chamber of CommerceMr. Johnny kimMs. Tiffany kingMs. lori kirbyMr. George kirkleyMr. Jeffrey klimaMs. Melissa komenskiMs. randy komenskiMr. WIlliam knollkPMGMr. Brian kurtzman Ms. Jennine laCroixMs. Jo larelaw Offices of Jane Frankel Sims, llCMs. Catherine lawrenceMs. kimberly levushMr. lou leyesMs. Sandra liottaMs. Jocelyn lopezMr. Thomas lyonsM. S. Electrical Training, llCMACPAMr. George MagnottaMs. kathleen MarshallMs. Patrick MaslerMr. and Mrs. Julia and Michael MazzolaMs. kathleen McIntyre

Ms. kimberly MercaldoMs. Sarah MerchantMergis GroupMs. Elizabeth MescherMs. kellie MillerMs. Monica MitchellMr. Frank MonyehMs. lynn MosbyMr. Bradley Myersnetwork for Goodnorthwest Savings BankMr. Adam novotnyMs. kelly OakeyOber kalerMs. Carol ObrechtMr. John OlsonMs. Jeannemarie PatellaMs. lisa PedersenThe Peoples BankMs. kathleen randMr. Don reaMs. Diana reddingMr. and Mrs. robert & lauren reinersMr. and Mrs. Mitchell and Elisabeth reissMs. Christine reshetiloffMr. James richMs. nancy roesMs. Sylvia rudyMr. Jeff ruppMs. kirsten SandbergSandy Spring BankMs. Tricia SchillingMs. Tammy SchneiderMs. Jane SchroederSchuh Family FoundationMr. Michael SchunckeMs. Stacey SchwinkMs. victoria SciortinoMs. Malinda SeagravesSecurity Plus FCUMr. Scott ShannonMr. Tom ShenMr. and Mrs. John and Ellen Shull

Ms. laree SiddiquiMs. Jane Frankel SimsMr. Steve SmalleyMs. rosa Matos-SnowdenMs. Mandy SnyderMr. Daniel SolomonrajMs. Sheryl StollofMs. Michelle StutzTarget MarketingThomas, Bennett & hunter, Inc.Tiboni AssociatesTrusted Wealth AdvisorsMr. Samuel TweneMr. David vahosMs. Anna vasquezvision Tech ServicesMs. laura visioniMr. Dan WardMr. Dave WebbMs. Beth van WieMr. and Mrs. Christopher and Angelina WhiteMr. Daniel WhiteMr. James WilhelmMs. rene WilkinsWoodforest BankMs. Erica YamanerMs. Angela Sue YerecicMr. and Mrs. roger and kristin Young

AnnuAl report 15

partner organizations21st Century learning Centers

Anne Arundel County AvID Program

Anne Arundel County AvID Advisory Board

Assurant Educational Alliance

Baltimore City Teachers Union

Baltimore County Academy of Finance

Baltimore County AvID Program

Baltimore County Public Schools Business, Management, and Finance Advisory Board

Baltimore County Workforce Development Council

Boys and Girls Clubs

Bridges Over howard County

Carroll County Chamber of Commerce

Child First Authority, Inc.

Elev8! Baltimore

Engaging Youth Entrepreneurs for Change

Financial Planning Association of Maryland

Future Business leaders of America

higher Achievement Baltimore

homeschoolers hanging Out

howard Community College

howard County Academy of Finance

howard County Chamber of Commerce

howard County Financial Education Alliance

howard County housing and Community Development

howard County Public library

howard County Public Schools Business Management and Finance Board

howard County Youth Development Coalition

learning, Inc.

makingChAnGE

Maryland Association of CPAs

Maryland Business roundtable for Education

Maryland Chamber of Commerce

Maryland Coalition for Financial literacy

Maryland Council on Economic Education

Maryland DECA

Maryland State Department of Education Business Management and Finance State Advisory Council

Maryland State Department of Education Financial literacy Design Team

Mayor’s Office of Employment Development – Baltimore City

Career Academy

Owings Mills Chamber of Commerce

Stevenson University

St. Francis neighborhood Center

Target Community and Educational Services Inc.

Towson University

Washington College Students in Free Enterprise

We Work for health

University of Maryland Baltimore County

University of Maryland School of Social Work

Urban Alliance Baltimore

Y of Central Maryland

Yo! Baltimore Westside Community Center

$1,173,210

$166,819

$65,106

$180,537

$15,248

$2,859

$1,603,779

Unrestricted net aassets

contributions special events government fees for service In-kind other Incomenet Assets Released from Restrictions

ToTAl revenue And SupporT

rEvEnUE AnD SUPPOrT

program servicessupporting services

ToTAl expenSeS

$1,366,279 $217,132

$1,583,411

EXPEnSES

UnrESTrICTED nET ASSETS EnD OF YEAr

$20,367

$599,345

ChAnGE In UnrESTrICTED nET ASSETSunrestricted net Assets, Beginning of Year

$619,712

cash and cash equivalentsInvestmentspledges and other Receivablesprepaid expenses

ToTAl CurrenT ASSeTS

$228,796 $18,143

$286,582 $19,814

$553,335

CUrrEnT ASSETS

$66,170 $52,813

$118,983

$672,318

long term pledges and other Receivablesproperty and equitmenttotal long term Assets

ToTAl CurrenT ASSeTS

lOnG TErM ASSETS

current liabilitiesAccounts payable and Accrued expensesdeferred Revenue

ToTAl liABiliTieS

$43,406 $9,200

$52,606

lIABIlITIES AnD nET ASSETS

unrestricted $619,712

nET ASSETS

ToTAl neT ASSeTS $619,712

ToTAl liABiliTieS And neT ASSeTS $672,318

Assets

AnnuAl report 21

22 jA mArylAnd

ArtHur FlAcH ChairManaging Partner Grant Thornton

gerry lindner Vice ChairAABS/Partner Ernst & Young, llP

williAm l. yermAn Vice ChairChairman Continental Title Group

susAn burkom secretary Managing Director Internal Audit Services kPMG, llP

roger young TreasurerFinancial Advisor Wells Fargo

O F F I C E r S

JA BoARd of

dIRectoRs

“junior achievement is able to impart

knowledge in a non-threatening way

that resonates among our children and connects classroom learning to real life.”

– jA oF centrAl mArylAnd

boArd member

AnnuAl report 23

robert A. AltieriExecutive vice President President, Mortgage Division Chief of Specialty lending howard Bank

robert t. bArnesFormer Manager of lean Initiatives & Manufacturing Best Practices northrop Grumman

jenniFer bodensiekPresident & CEO Junior Achievement of Central Maryland, Inc.

ryAn brAnonSales Executive, IBM

troy brewerSenior vice President Investment Officer The Brewer Investment Group of Wells Fargo Advisors, llC

pAtriciA brownePresident & CEO P. Browne and Associates Consulting

josepH g. buncH Director, regional Electric Operations north/East, BGE

briAn w. cAstoGeneral Counsel GEA Process Engineering, Inc.

ron cAuseyManaging Director SC&h Group, llC

sHelvA clemonsSpokesperson The Allstate Foundation

cArol l. cougHlin CPA, MBA, CEPA CEO/Founder Bottomline Growth Strategies, Inc.

w. tAlbot dAley Managing Director ClearBridge Advisors, llC

joHn dinkelPublisher Baltimore Business Journal

AlAn dobzinskiPresident Accountability Experts, Inc.

scott dorsey President Merritt Properties, llC

mArty FletcHerManaging Partner Whiteford, Taylor & Preston, llC

gene FrAzierBranch Manager Primelending

dAvid j. gArbArinoBaltimore Market President BB&T

cHristopHer p. giermekPartner PricewaterhouseCoopers, llP

pAul Holden Senior vice President Bank of America

rAnAk jAsAniPrincipal, Miles & Stockbridge

c. gregory kAllmyerCFP, vice President The kallmyer Group UBS Financial Services Inc.

tiFFAny t. king, cpAvice President and Controller The Baltimore life Companies

louis leyesAdvisor, Trusted Wealth Advisors, llP

dArrell A. luzzo, pH.d. Divisional vice President of Academic Operations laureate Education, Inc.

lee mccHesneyCFO, CDIY Group Stanley Black and Decker

monicA mitcHellvice President, Wells Fargo

brAdley myersvice President Sandy Spring Bank

ed pAulisCorporate law Department, vP & Assistant General Counsel, Zurich north America

deborAH pHelpsDirector, The Education Foundation of Baltimore County Public Schools

donAld reAAttorney at law/Partner Saul Ewing, llP

robert j. reinersvice President, Global Industrial StrategyMcCormick U.S. Industrial Group

suzAnne ricklin vice President, U.S. Investment ServicesT. rowe Price Group, Inc.

jeFF rupp Managing Partner SErvPrO

jim ryAnChief Marketing Officer OneMain Financial

kirsten e. sAndbergSenior vice President Private Client Advisor Bank of America

lisA scHwArtzBusiness Banking regional Manager M&T Bank

kAren t. syrylo, cpAPrincipal, State and local Tax Altus Group

mAc tisdAlePresident First national Bank

mAtt turpinPresident, Zentech

dAvid d. webbExecutive vice President OutsourceIT

rene wilkinshr Business Partner, P/CS and Sykesville Campus northrop Grumman Electronic Systems

M E M B E r S

24 jA mArylAnd

10711 red run blvd suite 110 owings mills, md 21117

phone 443.394.7211 web jamaryland.org

JA is the largest organization dedicated to giving young people the knowledge and skills they need to own their economic success, plan for their future, and make smart academic and economic choices. Junior Achievement’s programs—in the core content areas of work readiness, entrepreneurship, and financial literacy—ignite the spark in young people to experience and realize the opportunities and realities of work and life in the 21st century.

helpIng Young people thRIve

In ouR RApIdlY chAngIng woRld