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A New Direction

for PeopleLiving with Cancer

Home Health Carethat Reinforces

Independence

SPECIALT Y SERVIC

ES

Now patients who have been diagnosed withcancer can be cared for in the surroundingswhere they feel most comfortable, their home.��Choice – Every patient should be able to choose

the home health care provider they desire.��Customization – Every patient’s needs and

wishes are unique, and their home health careplan should accommodate their individuality.

��Convenience – Every patient’s daily routine can be di8erent, and their home health care planshould be integrated as needed and desired intothat routine.

��Control – Every patient is included as a memberof their home health care team. 7ey shouldunderstand their home health care plan andexpect that it will be modi9ed as their needs and desires change.

www.sehomehealth.comwww.sehomehealth.com

Whatever a patient’s needsmight be, we are able toaddress them by:• Disease and Medication Teaching RegardingDiagnosis and Complications (Including OralChemotherapy)

• Pain and Symptom Management • Wound and Enterostomal 7erapy Care • Nutrition Counseling • Enteral Nutrition Management • Respiratory Care • Urinary Catheter Care • Cancer Fatigue Management • Palliative (Comfort) Care Administration ofIntravenous 7erapies

• Homemaker service• Respite Care

Southeastern Home Health Services works closelywith a patient’s oncologist and other physicians tocoordinate care and avoid duplication of services.We take care of requesting orders from thephysicians as well as any authorization that maybe necessary from an insurance company,Medicare, Medicaid or HMOs. We handle allthird party billing.

Committed To 7e HighestLevel Of CareSoutheastern Home Health Services is licensed bythe Commonwealth of Pennsylvania, certi9ed toparticipate in the Medicare and Medicaidprograms and accredited by the Joint Commissionon Accreditation of Healthcare Organizations.

When faced with a life-changing cancerdiagnosis, you want to know you’re being caredfor by quali ed professionals who have yourbest health interest in mind. SoutheasternHome Health Services is here to provide careand support during a di!cult time.

Our Oncology Specialized TeamWe are a specialized team of experts in oncologyand home health care who give compassionate,holistic, expert care to patients living with cancerand their families. Our individualized care plansmeet the needs of each unique patient. Ouroncology nurses have speci9c training andeducation. Many of them have received thedesignation of OCN (Oncology Certi9edNurse). Our Oncology Nurse Manager keeps oursta8 up to date on the latest state-of-the-artdevelopments in cancer care delivery. 7is ensuresthat our agency provides the most current andadvanced level of care.

Just as our nurses are experts in cancer care, ourother sta8 members have specialized training, aswell. 7ey are also committed to meeting theunique needs of cancer patients by guiding themthrough di:cult and emotional times.

Our sta" members include:• Nurses (for intermittent visits and private dutyup to 24 hours a day)

• Physical, Occupational and Speech 7erapists• Medical Social Workers• Nutritional Counselors• Home Health Aides and Homemakers

SPECIALT Y SERVIC

ES

Let us know how we can help!Call 1-866-285-2007 where you can speak with an Oncology Nurse24 hours a day, or visitwww.sehomehealth.com

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POSTER & BANNERDESIGN


2013@�� @�$*#�)��!�@9@�'�( ��#)>(@�!*�

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INSERT & RACK CARDDESIGN


Transit Workers FCU o5ers youOnline Banking for anytimeaccess to your Credit Unionaccount. Use your computerany time of the day, any day ofthe week, from anywhere in theworld. Complete transactionslike the following:� Check savings and loan

balance information� Verify deposits and checks that have cleared� Transfer savings and loan payments within the

same account� Obtain dividend and loan interest information� Receive account history information� Transfer savings and loan payments between one

or more accountsSign up today for Online Banking from TransitWorkers FCU and manage your !nances at your!ngertips!

Credit Union Access…Any day. Any time!

24/7 Account Accessis Now Here!

Main Office919 E. Cayuga StreetPhiladelphia, PA 19124(215) 743-2922FAX (215) 743-4574

Branch Office1933 Fairmount AvePhiladelphia, PA 19130(215) 684-0612(215) 684-0619

Physician Practice Goals

www.sehomehealth.com

��Assess and Intervene Early��Utilize Home Care for Acute, Short

Term Interventions��Catch Issues Before /ey Require ER

or Hospitalization��Use Your Home Health Team to

Assess, Reinforce, and Implementthe Physician Plan of Care

��Refer Patients that Cannot be Curedbut Can Get Better

To make a referral, please callour intake department:

1-866-285-2007

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Please refer toyour individualflight itineraryenclosed in yourfinal documentpacket.

St. Martin is currently one hour ahead oftime on the Eastern seaboard of the U.S.A.

La SamannaP.O. Box 407797064 St. Martin CEDEXFrench West Indies

Hotel Phone: 011-590-590-87-6400

Group Arrival Date to St. Martin:Wednesday, February 25, 2015

Group Departure Date from St. Martin: Sunday, March 1, 2015

Travel Agency/Meeting Planners:Travizon Meeting Management (Janney Travel Headquarters)275 Mishawum Road, Suite 300Woburn, MA 01801

Travizon Air Office Phone: (800) 462-6461

Hours:8:00AM - 5:30PMMonday through Friday

FLYERDESIGN


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www.sehomehealth.com

Caring for People Living with Cancer

For more information about our programs, please visit www.sehomehealth.com or call

1-800-989-5224

• We are a specialized team of experts in oncology andhome health care

• We provide compassionate, holistic, expert care to patientsliving with cancer and their families

• We will individualize a care plan to meet the needs of eachunique patient

• We assess and intervene early to avoid unnecessaryhospitalizations

• We will e:ectively manage pain and other symptoms inorder to improve quality of life

• We are the “eyes and ears” for the physician in providingconcise clinical updates

• We pay close attention to psychosocial issues andemotional distress

• We provide Whole Person Centered Care at home• We provide rehabilitation to bring a patient to an optimallevel of independence and functioning

• We close the circle of specialty care for oncology patients• We deliver care based on best practices and clinicalpractice guidelines

WHO WE ARE

HOW WE SUPPORT OUR CLINICAL TEAM• Dedicated Oncology Program Coordinator• Dedicated Oncology Nurses and Rehabilitation Sta:• Oncology Nurse On-Call• Enhanced Lab Tracking and Medication Management• Enhanced Mentoring and Orientation Program

• Specialized Technical Training (IV Medications andEquipment)

• Telehealth and Telemedicine• Alignment with Hospice Groups

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SPECIALT Y SERVIC

ES

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0% A.P.R.* on Balance Transfers for 6 months, then the FIXED standard APR of 12%

NO BALANCE TRANSFER FEES

28 DAY GRACE PERIOD FOR PURCHASES NO ANNUAL FEE

* This Annual Percentage Rate on balance transfers is a promotional rate. Ask a Member ServiceRepresentative for details and deadlines.

All the purchase powerwithout all the interest!

Enjoy 0% for the first 6 months on Balance Transfers

5080 McLester Street, Elizabeth, NJ 07201

CAR MAGNETDESIGN


APWPSArdmore Presbyterian Weekday Pre-School

ANNUAL REPORTDESIGN


American Spirit Federal Credit Union1110 Elkton Road, Newark, DE 19711

Phone: (302) 738-4515 Fax: (302) 738-4562

58 Carver Road, Dover, DE 19904Phone: (302) 674-5281

98 Sandhill Drive, Middletown DE, 19709Phone: (302) 464-4067

www.americanspirit.org

MAKING A

DIFFERENCE IN THE

COMMUNITY

ANNUALREPORT

2 0 1 3

Clayton Hall University of DelawareMarch 23, 2013

Chairman of the Board of Directors, Steve Keplinger, welcomed members and visitors tothe 50th. annual meeting. Members and guests rose for the pledge of allegiance and RobertPower, gave the invocation.He chairman called the business meeting to order. He chairman introduced the head table:

Director Robert Power, Director Jack Cable, Director Robert L. Watson, Sr., Vice-ChairmanJim Green, Director Lucy Walker, Secretary Harry Gibbs, Jr., Director Melvin Phillips andPresident Maurice Dawkins.Marie Sawyer was appointed recording secretary. He chairman called Marie Sawyer

forward to report on the number of members present. Mrs. Sawyer reported 41 membersregistered. He chairman determined a quorum was present.He chairman reviewed the standing rules of the annual meeting and minutes of the 49th.

annual meeting. He chairman entertained a motion from George Bush, Jr. and second byLarry Cahall to dispense with the reading of the minutes and to accept them as printed. A votewas called on the motion and the motion carried.President Dawkins delivered the management report and presented the Knancial review. A

documentary video of the Credit Union’s 50 years of service was shown and AFL-CIO presidentSam Lathem speaks on the beneKts of being a member of American Spirit FCU.

He chairman returned to the podium to request any old business. No old business wasentered. He chairman made a request for any new business. No new business was entered.He chairman called on Director, Melvin Phillips, to report on the nominating committee.

Director, Melvin Phillips, reported that three board positions were available and that threeapplications were received to Kll these positions. He applications were received from Bob Power, Steve Keplinger and Jim Green. He

chairman entertained a motion from George Bush, Jr. to accept the nominating report. MarthaKendall seconded the motion, members voted, and the motion carried. He chairman directedthe secretary to cast a single ballot for the three nominees.Robert Watson, Sr. was recognized for 50 years of service with American Spirit Federal

Credit Union. He chairman called Marie Sawyer forward to present the door prizes. He chairman

entertained a motion to adjourn the meeting by Larry Cahall and second by George Bush, Jr.members voted, and the motion carried. He chairman struck the gavel signifying the close ofthe 49th. annual business meeting.

BOARD OF DIRECTORSSteve Keplinger-ChairmanJames Green-Vice ChairmanSharon Melvin-TreasurerHarry Gibbs, Jr.-SecretaryRobert Watson, Sr-DirectorJack Cable-DirectorMelvin Phillips-Director

SUPERV ISORY COMMITTEEWilliam Tyson, ChairmanMartha Kendall, Vice ChairpersonLarry Webb-Member

CREDIT UNION STAFFMarie SawyerLandi BiasEdie MercedMaurice DawkinsSusanne SpauldingEnrique CampbellSerganagie NaickerMargaret WebbEric MyersAngela PooreHoney SharpLaCora CephasMichele RamseyStefanie HamillDominique DawkinsAudia WilliamsMarlene Ruiz-DecastillaKenyahda CahoonEbony Alexander-SmithChetta Hebron-ByrdJames Elias

50th Annual Meeting

Financial History2009 2010 2011 2012 2013

LOANS 16,089,380 26,373,665 24,670,927 23,277,200 23,444,388SHARES 34,592,883 49,757,316 51,477,889 55,084,165 56,306,148ASSETS 41,052,672 57,655,393 59,174,322 63,487,853 63,933,833CAPITAL RESERVE 6,375,094 7,251,508 7,565,423 8,341,681 8,545,578NET INCOME 653,797 301,362 655,006 656,359 538,046NET WORTH 15.21% 13.59% 12.79% 13.43% 14.26%DELINQUENCY 3.97% 3.06% 1.60% 1.64% 2.78%LOAN TO SHARE 46.51% 51.21% 46.56% 41.46% 41.64%(ROA) RETURN ON ASSET 1.71% .61% 1.15% 1.08% .92%

Report of OperationsAs of December 31, 2013

STATEMENT OF FINANCIAL CONDITION ASSETS STATEMENT OF INCOMEINCOME

Loans . . . . . . . . . . . . . . . . . . . . . $23,444,388 Interest on Loans . . . . . . . . . . . . . . . . $1,734,080Less: Allowance for Loan Loss. . . . . . . . . . . - $400,263Purchase Price Adjustment (Merger) . . . . . . . . - $154,524 Investment Income . . . . . . . . . . . . . . . . $557,790

Liquid Assets . . . . . . . . . . . . . . . . . . . $659,947 Fee & Charges . . . . . . . . . . . . . . . . . . $516,588Investments . . . . . . . . . . . . . . . . . . $37,977,827 Other Income . . . . . . . . . . . . . . . . . . $774,454Land & Building . . . . . . . . . . . . . . . . . $1,481,910OJce Equipment . . . . . . . . . . . . . . . . . . $21,060 TOTAL INCOME . . . . . . . . . . . . . $3,582,912Shared Insurance Fund . . . . . . . . . . . . . . . $582,098Other Assets . . . . . . . . . . . . . . . . . . . $326,391 OPERATING EXPENSES

Salaries . . . . . . . . . . . . . . . . . . . . . $728,734TOTAL ASSETS . . . . . . . . . . . . . . $63,938,833 BeneKts & Payroll Taxes . . . . . . . . . . . . . . $227,454

Travel & Conferences . . . . . . . . . . . . . . . $35,720LIABILITIES & EQUITY OJce Occupancy . . . . . . . . . . . . . . . . $192,807Other Liabilities . . . . . . . . . . . . . . . . . . $70,191 OJce Operations . . . . . . . . . . . . . . . . $228,212Shares. . . . . . . . . . . . . . . . . . . . $56,306,148 Education & Promotional . . . . . . . . . . . . . $102,304Regular Reserves . . . . . . . . . . . . . . . . $1,983,317 Loan Services . . . . . . . . . . . . . . . . . . $243,089Undivided Earnings . . . . . . . . . . . . . . $5,579,177 Outside Services . . . . . . . . . . . . . . . . . $624,687

Provision for Loan Losses . . . . . . . . . . . . . $239,500TOTAL LIABILITIES & EQUITY . . . . . . $63,938,833 Operating Fees . . . . . . . . . . . . . . . . . . $56,573

Member Insurance . . . . . . . . . . . . . . . . $49,169Annual Meeting . . . . . . . . . . . . . . . . . . $5,004TOTAL EXPENSES . . . . . . . . . . . . $2,733,253NET INCOME . . . . . . . . . . . . . . . . $849,659LESS: DIVIDENDS TO MEMBERS. . . . . . $311,613

NET INCOME: GAIN/(LOSS) . . . . . . . . $538,046

Supervisory Committee ReportHe Supervisory Committee is appointed by the Board of Directors to ensure the management of

American Spirit Federal Credit Union follows guidelines and procedures set forth by the regulatoryagencies that govern Credit Union operations. He Committee is responsible for ensuring that thebooks and records of the credit union fairly and accurately reLect its Knancial position and operatingresults.Furthermore, the Committee oversees the accurate and timely reporting of the Knancial status of

the credit union, and monitors the eIectiveness of the internal controls to protect credit unionresources. In order to discharge this responsibility, the Committee performs internal audit functionsand engages an independent accounting Krm to conduct an external audit of the credit union.He board of directors approved the recommendation that the certiKed public accounting (CPA)

Krm of CliMonLarsonAllen, LLP be retained to audit American Spirit Federal Credit Union. He CPA Krm performed the annual Knancialstatement audit for 2013. A condense un-audited version of our Knancial statement is included in this annual report. A copy of the auditor’sreport is available upon written request. Periodic supervisory examinations are also performed by NCUA, which is the regulatory agency for all federally chartered credit unions.

He NCUA evaluates the Credit Union Knancial condition, safety and soundness.In addition, the Supervisory Committee serves members’ interest by responding to credit union inquiries. AMer reviewing inquiries, the

committee arranges for any necessary adjustments to members’ accounts. As always, the committee takes pride in the policies implemented tosafeguard member accounts.Board members, the management team, and a truly dedicated staI have worked hard to make 2013 a successful year

William TysonChairman, Supervisory Committee

Committee MembersMartha Kendall, Vice-Chairperson Larry Webb, Member

American Spirit Federal Credit Union has been known for its ability to weather economic storms. Herefore, wewere prepared to adapt to the tough Knancial climate over these last few years, while still yielding strong Knancial results.Hroughout the economic downturn, American Spirit has stayed strong Knancially and has developed products andservices to Kt the changing needs of our members.

A well-capitalized credit union, as deKned by NCUA (our regulator) is one whose net worth ratio is equal to, or above,7 percent. Our net worth/net income ratio was 14.65% for 2013, which renders American Spirit a strong, stable Knancialinstitution. We can also be proud that we once again received a Four-Star (“Excellent”) rating from Bauer Financial.

As a result of the conKdence you place in American Spirit FCU every day, 2013 proved to be one of the mostsuccessful years for Knancial performance. We know that you have options when it comes to choosing a Knancialinstitution, which is why we make it our goal to listen intently to your wants, wishes and desires. Here at AmericanSpirit, we work tirelessly to improve upon our products, processes and services to ensure the best member experiencefor you.

Our annual report contains highlights of American Spirit’s Knancial performance, loan, deposit and membershipgrowth. It will give you conKdence that your money is being taken care of. American Spirit remains one of the strongestcredit unions in the country. But it is more than just the numbers. American Spirit’s value to the membership is measuredby how many people were better oI or made better Knancial decisions because of their credit union. Sure, we now servemore than 12,000 members, but what is more important is how much these folks saved, thanks to American Spirit FCU.

One of the most rewarding accomplishments in 2013 was the opening of American Spirit’s Krst student branchin the Gauber-Cobbs Middle School in Newark, which is run by students with the help of credit union staI. It isencouraging to see our young people working with such commitment in providing quality service to their fellowstudents and their teachers.

American Spirit Federal Credit Union believes in giving back to our members and the communities we serve. We recognize that when our members, SEG groups and the credit union all work together, we can truly make a diIerence.It is our community spirit which enables us to do what we do. We were approved by NCUA to serve the underservedarea of Middletown and we have expanded our eIorts to reach the underserved areas of Newark and Dover.

American Spirit’s goal is “To be the best Knancial institution our members have ever experienced and the bestplace our employees have ever worked.” His year promises exciting developments for members, such as upgradeof our home banking system. His upgrade will improve security, reliability and provide programs to help memberssave better, borrower smarter and learn more. For employees we intend to continue oIering good jobs with excellentbeneKts and the kind of job security folks can count on to support themselves and their families. He Board ofDirectors and the Supervisory committee is made up of credit union members who remain committed to makinga diIerence. We thank them for their time, energy and service.

We are looking forward to an improving economy and helping our membership improve their personal Knances.American Spirit’s membership reached over 12,000 in 2013 and grew in assets to $64 million. His growth is encouraging,knowing that our community recognizes the credit union diIerences and the extraordinary diIerence of AmericanSpirit FCU. On behalf of the Board of Directors, the credit union’s management team, staI and volunteers, it is ourprivilege to present American Spirit’s 2013 annual Report. Hank you for your support and we look forward to servingyou in the years to come.

Steve Keplinger, ChairmanMaurice Dawkins, President/CEO

Making a Di�erence in the Community

APPARELDESIGN


INVITATIONDESIGN


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