Virginia
Master Gardener Association, Inc.
Bi- Monthly Meeting
December 13,
2008
Clarksville
(South Central)
(Draft)
Attendance:
(Albemarle/Charlottesville) Joyce Grunewald; (Alton) Charles and Loretta
Stallard; (Blue Ridge) Charlie Whittle; (Brunswick) Vicki Nixon, Virginia
Myrick; (Chesapeake) Pinky Derieux; (Clarksville) Lori Hamlet;
(Gloucester) Bonnie Bernard; (Green Spring) Cyndi Bishop; (Halifax) Sonya
Post, Jeannine Hall, Donna Branuda, Joan Layman, Edna Gietence, Joan Whitt,
Bill McCaleb; (Hanover) Christy Brennan, Cheri Haggerty; (James City
County/Williamsburg) Jim and Nelda Pressly, Susan Giandomenico; (Louisa)
Tina Chalekie, Ira Wallace; (Lynchburg, Amherst, Campbell) Karen Sacasky;
(Mecklenberg) Glenn Jurczyk, Michele Maleno, Carolyn Hite, Nancy Drewry;
(Prince George) Cheryl Sebera; (Prince William) Janet and Bill Scott, Frank
Reilly; (Norfolk) Don Snipes; (Rockbridge) David Mims; (Roanoke) Katherine
Debnar; (Virginia Beach) Jim and Mary Ann Kincaid, Fran Shelton, Betty
Villers, Paul Campbell; (VT/VCE) Dave Close, Dawn Lerch; and (York) Jackie
Lohr.
Call to Order –
President
Betty Villers called the meeting to order at 10:00am
Introductions;
Glen
Jurczyk introduced the South Central Master Gardeners who have a large
footprint in Virginia representing four counties, Brunswick, Lunenburg,
Mecklenburg, and Nottoway) . There are 42 active Master Gardeners, who
volunteer at the State Fair, and have had several very successful
educational events in partnership with the town of Clarksville. The Master
Gardeners have been working with the VEC office to educate the public on
maintaining healthy plants such as azaleas. Advance training with trees and
woody plants will be held for the master gardeners.
Introduction – All attendees were recognized by name and the unit they
represented.
Minutes:
The minutes of
the October Bi-monthly meeting were approved as posted on line.
Treasurer’s Report
– Bill Scott
Bill presented
copies of the treasurers report, there have been no significant expenses
incurred. The treasurer’s report was accepted as read and will be filed for
audit.
The report is
attached at the end of this document
COMMITTEE REPORTS:
Newsletter-
Peggy Fox - Content Editor, Dawn Meyerriecks- Layout Editor
Neither was
present. Reminder that unit reports should be sent to Christy Brennan,
Secretary by Jan 2nd.
Membership –
Mary Ann Kincaid, Chair
As of
December 11, there are 527 current members of the Virginia Master Gardener
Association. Of these, 360 are Active members, 8 are Auxiliary members, and
159 are Lifetime members.
This is an
increase of 8 members since October and is 26 members more than December of
last year.
Please
make a note that VMGA By-Laws require that Unit Reps be members of the
organization. If there are any questions about this policy, please let Mary
Ann know.
Unit Support
- Frank Reilly, Chair
Members:
Pat Reilly, Karen Sacasky, Pinky Derieux, and whoever else we need.
1.
The unit support committee answered questions by two units about the
role of Advanced Master Gardener in local units and within Extension.
2.
The unit updated & maintained a page at the website about Budget
issues
3.
The unit continued to plan for a February special educational event
regarding changes and preparations for lean times ahead.
Communication Committee
- Frank Reilly, Chair
Members: Cheri Haggerty, Kathryn Debnar, Betsy Lyon, and whoever else we
can get.
-
November 10th marked our seventh anniversary as VMGA.net.
We’ve grown from a single page giving the minutes of the last meeting to
a large web site with more than 220 pages of content and more than
60,000 (66,375 unique visitors in 2008 so far) visitors annually.
- Since
the October regularly scheduled meeting there have been 9986 visitors to
VMGA.net. Many of our visitors come via search engines like Google &
Yahoo.
- Since
the October regularly scheduled meeting, the web page has been updated
on 64 separate occasions.
- The
most popular pages in the last two months have been Calendar and
Endowment; but more than 58% of our page views come in through the front
page.
-
Kathryn Debnar is currently accepting changes to the calendar.
- Cheri
Haggerty maintains the links page.
-
We are currently working on
the MG College Recruiting Presentation. We could use some photos of
activities, and the Sunday going away picnic.
The Presentation is up there now, but will be re-mastered in January.
Finance Committee
– Ted Jenks, Chair
Members: Jim Kincaid (Virginia Beach),
Nancy Golden (Goochland/ Powhatan), Brenda Shimchek (Hanover)
Ted was
not present at the meeting., but Bill Scott presented Ted's report which
will be emailed to all unit reps to share with local leadership.
At the
June 2008 meeting of the VMGA Executive Board with CALS Dean Sharron
Quisenberry and Extension Director Mark McCann it was brought to our
attention that the VA Tech Foundation can set up accounts for local units,
and possibly VMGA, that pay interest of about 4% per year. Until June 2009
the Foundation will waive the initial fee which is normally 7%. Dawn Lerch
(540- 231-5546) was identified as the point of contact for finding out more
about these accounts. At the August 2008 meeting of the VMGA Board, the
Finance Committee accepted an action to get more information about this
opportunity for VMGA and all Virginia Master Gardener units.
Conclusions
Of the three main types
of accounts at the Foundation the most relevant to Master Gardener Units and
VMGA for most normal or routine operations are probably the operating funds
account and the VT Foundation CD’s. Since VMGA and most Master Gardener
Units fund their operations from membership dues and/or plant sales/cookbook
sales, and since the Foundation funds cannot accept deposits from these
sources this opportunity is not actually open to these Master Gardener
Units. In addition, the User’s Guide clearly identifies that the Foundation
does not operate like a “bank” but more like a “treasurer” for an
organization. While this could clearly be an advantage for an extension
office, we do not see it as helpful to VMGA or Master Gardener Associations.
With regard to the VT
Foundation CD’s, their high minimum balance ($10,000) and low interest (1%)
relative to CD’s available from commercial and online banks (3.5% to 4.5%)
makes them unattractive to VMGA and Master Gardener Associations as well.
However, for those
organizations which have $25,000 or more in “Non-Operating Funds” which can
be set aside (principle can never be returned) as an endowment to
fund some future activities of the organization from the interest earned,
placing those funds in a VT Foundation endowment account would be a good
idea and is recommended. The annual income from an endowment account of 4 to
5% combined with its security, stability and the VT Foundation handling all
of the reporting requirements is of great benefit to any organization.
Special
Committees:
Endowment Committee :
Kathryn Debnar, Chair
Kathryn
distributed a report: the highlights are below
The official
opening of the program was enthusiastically received.
As of October
15, 2008
Cash on Hand
(includes gifts and pledge payments) 109,485.50
O/S Pledge
balance 24,090.00
Mr. Dempsey’s
pledge 100,000.00
Interest
earned 15,084.74
Total
248,660.24
Given the current state of economy we need to be realistic in our goals and
more specific in the upcoming plans and events. Remember if every Master
Gardener would contribute $50 for 5 we would achieve our goal today.
Currently
4 people
pledged $25.00 for 5 years
56 people
pledged $50 for 5
14 people
pledged $100 for 5
We need to
plan and implement another approach where we can go into communities and
give talks about the role of the VA Tech Foundation and VMGA regarding the
MGCEF.
VA Green Industry Council:
Cheri Haggerty, Chair
The
Virginia Green Industry Council also partners with the Virginia Agribusiness
Council and Virginia Department of Agriculture and Consumer Science (VDACS).
- As a
result of legislation earlier this year, a VDACS committee has been
established to review
pending regulations for
commercial fertilizer application on non-agricultural lands. Met with
lawn care operator members of the
Virginia Turfgrass Council to
discuss pending regulations for commercial fertilizer application on
non-agricultural lands.
-
Authored article for a quarterly newsletter published by "Mission H2O"
to give the perspective from agribusiness on Water Supply Planning
efforts ("Mission H2O" is a private stakeholders group tracking water
supply planning developments in Virginia)
- Lead
efforts to finalize recommendations to amend the Nutrient Management
Cost-Share practices through a DCR Subcommittee
- Along
with other business interests, provided comments to the
Governor's Commission on Climate Change
highlighting the potential negative impacts of some of the
Commission recommendations on
the private sector
-
Sustainable Sites
Initiative
www.sustainablesites.org
invites public comment on the new Guidelines and Performance Benchmarks
Draft 2008 The Sustainable Sites
Initiative is an interdisciplinary effort by the American Society of
Landscape Architects, the Lady Bird Johnson Wildflower Center and the
United States Botanic Garden
to create voluntary national guidelines and performance benchmarks for
sustainable land design, construction and maintenance practices.
-
Next VGIC Meeting -Tuesday,
January 20, 2009 at 10 a.m. to 3 p.m
-
GoGreen Virginia, Garden
Festival
The 2009 Festival is scheduled
Saturday Sept 12th.
Theme – Grown/Made in VA,
Soliciting speakers, demos and vendor exhibits to participate contact
Rick.Baker@vdacs.virginia.gov.
Will
be held at the Children’s Museum, this is a wonderful site for a plant sale
and
education please let Cheri
know if your group is interested in participating.
The CVNL
short course will be held at Lewis Ginter Feb 4th- 6th.
This is the 40th anniversary of this event. The Title for this
year, “Gardening in the Era of Climatic Change”, this three day event will
cost slightly more than previous events and will include very good group of
speakers. In the advertisement of who should attend, Green Industry
members, Master Gardeners and the sophisticated gardeners are mentioned.
More information will be on the Lewis Ginter web site.
Fund Raising:
Susan Giandomenico - Chair
To date we
have made $266.31. Susan has made fund raising packs which can be
purchased for $20.00 to showcase all current items to each unit.
Susan has
been working on new items and will be getting samples soon. She hopes to
have pdf files sent to the unit reps to get feed back on these the items in
February.
Search for Excellence:
Christy Brennan, Angela Cingale and Bud Gregory
A copy of
the draft of the recomendations was sent to the unit reps for comment.
Three
reponses were received:
“ the ex
board of out unit decided a competitive board for our unit was not likely
but we support the format suggested”.
“this
conforms o the international requirements, those who are interested have
guidelines for their work”.
“Most
units are very happy to put together a new project display every year and
present their work at MG College. They look forward to displaying a brag
board without filling out forms to qualify for a fun award. Working and
enjoying our volunteerism is where it is at for most of the MG’s. I would
suggest that prior to MG College the application for the national award be
sent to all units and let them decide if they want to go farther than MG
college."
During the
discussion some unit reps had noted that they took the proposed form,
followed the direction and submitted a project to the International MG
College. No results have been reported to date.
Betty
reminded members that the purpose of the update is to have our winners ready
for the National Master Gardener Competition.
P.
Diane Relf Education Endowment Fund :
Paul Campbell - Chair
Paul will
begin to select new committee members and discuss ways to educate unit reps,
Extension Agents and Master Gardeners about the availibitityof scholarships.
Committee members will be made up from past recipients of the scholarship.
Extension Liaison
- Dave Close, MG Coordinator
·
MGCAT met in
November. Worked on tours and leadership training and something new:
workshops (micro propagation, digital photography, floral arranging). Alan
Armitage has agreed to be our keynote speaker.
·
Still working on
handbook revision. Delayed the release until summer 2009.
·
National review
of MG program was launched in late November. At least 5 states have already
responded. Deadline for data collection is January 15.
·
Scotts can offer
to do advanced trainings for MGs on a variety of topics; have been doing
this in GA for a couple of years. Scotts Training Institute. . . . . Dave
spent 3 days in Marysville, OH at their Global headquarters taking their
STI. Looks very good with many opportunities to partner with Scotts (email
alerts, training resources: online and face-to-face, product samples)
·
Last week
(December 2, 3) he participated in the Southern Region IPM Center Advisory
Council meeting. He was appointed to the council in late 2007. He had time
on the agenda to talk about how EMG programs in the southern region can work
with the SRIPMC collaboratively. Made contact with an entomologist from UGA
and will work with him on an RFA to pull EMG into IPM work in southern
region. IPM was changed in the 2008 Farm Bill. Former formula funding was
changed to competitive. Many commodity groups are upset and trying to
reverse this legislation.
·
Work on EAB with
USFS is proceeding in Northern District. Working out the details for a grant
to fund our efforts.
·
On November 6,
gave a presentation along with Barb Stewart and Frank Reilly at the 2009
Backyards and Beyond Firewise Conference. Between 30 and people sat in on
their talk; was moderated by Frank Turck of VA DOF. Regional firewise
training was offered on December 8, in Charlottesville. Just under 100
people were registered to attend. Louisa’s training was postponed due to
health problems with the coordinator.
·
Dean Quisenberry
scheduled forums with the College on December 12 & 15 to bring everyone up
to speed on the state of the College. We are waiting for Governor Kaine to
announce budget decisions on December 16. Information will be forwarded to
VMGA to forward on to everyone about contacting state senators and delegates
before the holidays hit for personal contacts before they go back into
session in January. Dean Quisenberry will be speaking on the Green Industry
at the Mid-Atlantic Conference in Maryland.
Unit Reports:
The unit reps were asked to
send their reports to the secretary. They will be posted at
www.VMGA.net and printed in the next newsletter.
President’s Question of the Day to the Unit Reps: “How
can the VMGA best serve the MGs in your unit in reference to educational
opportunites.
It was good to
hear what the VMGA representatives determined. Several
ideas were mentioned by multiple units: regional training, mini MG College,
more advanced classes, Jr. MG package. These ideas will be considered by the
new Education Committee. The new members of the education committee
representing all regions met during lunch.
Unfinished Business-
Education Committee- Betty
introduced members of the new Education Committee; Barbara Geer (Chair) -
Prince George, Bill Garlette - Newport News, Lori Hamlett - Southside, Betty
Jo Hendrix - Western Tidewater, Patty Richard - Bedford, Ira Wallace -
Central VA. They will be looking at the comments to the President's Question
of the Day to plan future VMGA educational programs.
February Special Educational
Event - Frank Reilly and committee continue to plan regarding changes and
preparations for lean times.
Tax Filing information for
nonprofit orginizations - Cheri Haggerty's findings can be found in the VMGA
newsletter. For more information go to IRS.gov and click on "not for
profit".
New
Business:
A list of
the MG Intern Training Class Schedule by units was passed around for
updating.
Education
Endowment Fund proposal - Paul Campbell and Scholarship committee proposed
a total of six 100 dollar scholarships to MG College be presented with at
least two going to small units with 70 members or less. Currently there
are more than 35 units with less than 70 members and 25 larger units with
over 70 members.
Paul
presented a motion to set aside 2 VMGA scholarships to qualified applicants
of units with less than 70 members.
Motion
was seconded by Glenn Jurczyk and approved by the membership present
Feb 4-6th
Short course at Lewis Ginter, "Gardening in the Era of Climate Change" -
VMGA will partner with VCE but has not heard any additional information.
MG College
-
Silent
Auction - Leslie Paulson will be contacting the unit reps.
Goody Bags
- Patty Gamache is asking units to get items such as pencils, note pads, and
such donated. Need 300 of each item.
Publicity
- George Graine has created a letter promoting MG College 2009 which will
be sent to all unit reps.
Jan 19th
the VMGA Board will be meeting with VA Tech department heads to discuss
current topics .Please e-mail Betty any questions you or your unit might
want to ask.
Meeting
Cancellation policy – In case of inclement weather and VMGA Board meeting is
canceled, it will show up on the website by 6:00 a.m., Saturday, day of the
meeting.
Cheri
Haggerty proposed that the VMGA co-sponsor a booth at the Maymont home and
garden show in Richmond. $175.00 is ½ the cost of the booth. The Booth will
be staffed by VMGA and Hanover MG’s. Motion presented, seconded by Fran
Shelton and passed.
Announcements
Five VA
Master Gardeners had gardening tips published in January issue of Backyard
Living Magazine.
Received
request from Central Virginia HOME Magazine for article on Creating a
Fragrant Garden. Have emailed information to unit reps.
The April
2009 meeting scheduled for Easter weekend, April 11th has been
changed to the next weekend April 18th.
Sites
for the VMGA Bi-Monthly Meetings –
2009 meeting schedule:
February 14 - Hanover
April 18 - Louisa
June- VA Tech -MG College
August 8 - Lynchburg
October 10 – Rockbridge
December 12 - Virginia Beach
Next VMGA
meeting will be held on Feb.14th – Hanover, at the DDS Building on Route 1,
10:00 a.m.
Meeting
adjourned at 1:30 p.m.
Respectfully submitted,
Christy
Brennan, VMGA Secretary
Virginia Master Gardener Association, Inc
Treasurer’s Report
December 2008
|
|
|
Balance Sheet |
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|
|
|
|
Data
As OF: |
11/30/2008 |
|
|
|
|
|
Checking Account Balance |
|
|
|
|
$6,163.18 |
|
|
|
|
|
|
|
|
|
|
PDR
Education Endowment CD Balance |
|
|
|
$13,691.42 |
|
|
|
|
|
|
|
|
|
|
Reserve CD #1 Balance |
|
|
|
|
$0.00 |
|
|
|
|
|
|
|
|
|
|
Reserve CD #2 Balance |
|
|
|
|
$4,618.20 |
|
|
|
|
|
|
|
|
|
|
Future
Dues CD Balance |
|
|
|
|
$5,756.34 |
|
|
|
|
|
|
|
|
|
|
Fundraising Inventory |
|
|
|
|
$1,137.57 |
|
|
|
|
|
|
|
|
|
|
|
|
Total
Assets |
|
|
$31,366.71 |
|
|
|
|
|
|
|
|
|
|
Unearned Income - Future Dues |
|
|
|
$6,183.01 |
|
|
|
|
|
|
|
|
|
|
Coordinator Endowment Funds Payable |
|
|
|
$545.00 |
|
|
|
|
|
|
|
|
|
|
Coordinator Endowment Planned Gifts Payable |
|
|
|
$0.00 |
|
|
|
|
|
|
|
|
|
|
Restricted Gifts for Scholarships |
|
|
|
$0.00 |
|
|
|
|
|
|
|
|
|
|
|
|
Total
Liabilities |
|
|
$6,728.01 |
|
|
|
|
|
|
|
|
|
|
Accumulated Earnings |
|
|
|
|
$20,496.57 |
|
|
|
|
|
|
|
|
|
|
Current Year Earnings |
|
|
|
|
$4,142.13 |
$4,142.13 |
|
|
|
|
|
|
|
|
|
|
|
Total
Net Assets |
|
|
$24,638.70 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Total
Liabilities and Net Assets |
|
$31,366.71 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Checking Balance as of |
9/30/2008 |
|
|
|
$7,308.82 |
|
|
|
|
|
|
|
|
|
|
|
Receipts |
|
|
|
$336.60 |
|
|
|
|
Coord
Endowment Gifts |
$20.00 |
|
|
|
|
|
Dues
FY 10-19 |
$108.00 |
|
|
|
|
|
FY 09
dues (current FY) |
$208.60 |
|
|
|
|
|
Education |
|
$0.00 |
|
|
|
|
|
Fundraising |
|
$0.00 |
|
|
|
|
|
Gift
for EEF |
|
$0.00 |
|
|
|
|
|
Restricted Gift for Scholarship |
$0.00 |
|
|
|
|
|
|
|
|
|
|
|
|
Disbursements |
|
|
|
-$1,482.24 |
|
|
|
|
Comm/Support |
|
$0.00 |
|
|
|
|
|
Coord
Endowment Cmte |
$0.00 |
|
|
|
|
|
Coord
Endow Gift Transfers |
$0.00 |
|
|
|
|
|
Education |
|
$0.00 |
|
|
|
|
|
Education Scholarship-Spec |
$0.00 |
|
|
|
|
|
EEF
Scholarships |
$0.00 |
|
|
|
|
|
Elections |
|
$0.00 |
|
|
|
|
|
Fund
Raising Cmte |
$0.00 |
|
|
|
|
|
Fund
Raising Gifts to Endowment |
$0.00 |
|
|
|
|
|
Marketing |
|
$0.00 |
|
|
|
|
|
Membership & Roster |
-$910.45 |
|
|
|
|
|
Newsletter |
|
-$102.00 |
|
|
|
|
|
State
Fair |
|
-$420.57 |
|
|
|
|
|
Officers Expense |
|
|
|
|
|
|
President |
|
$0.00 |
|
|
|
|
|
Vice President |
$0.00 |
|
|
|
|
|
Secretary |
|
-$49.22 |
|
|
|
|
|
Treasurer |
|
$0.00 |
|
|
|
|
|
|
|
|
|
|
|
|
Transfers |
|
|
|
$0.00 |
|
|
|
|
EEF
Gift Transfers |
$0.00 |
|
|
|
|
|
Lifetime Dues Transfers |
$0.00 |
|
|
|
|
|
Reserve CD Transfers |
$0.00 |
|
|
|
|
|
Fundraising Inventory Transfer |
$0.00 |
|
|
|
|
|
|
|
|
|
|
|
Checking Balance as of |
11/30/2008 |
|
|
|
$6,163.18 |
|
|
|
|
|
|
|
|
|
|
|
Interest Income on Reserve and EEF CD's |
$300.93 |
|
|
|
|
Interest Income on Future Dues CD |
$137.33 |
|
|
|
|
|
|
|
|
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|
|
|
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Committee |
Budget |
Income |
|
|
|
|
|
|
Membership |
|
|
|
|
|
|
|
|
FY 09
(Lifetime/Prior Year) |
$3,600.00 |
$4,356.00 |
|
|
|
|
|
|
FY 09
(Current FY) |
$1,600.00 |
$1,008.00 |
|
|
|
|
|
|
Subtotal |
$5,200.00 |
$5,364.00 |
|
|
|
|
|
|
Education |
$3,000.00 |
$0.00 |
|
|
|
|
|
|
Fundraising |
$1,000.00 |
$904.88 |
|
|
|
|
|
|
Gift
for EEF |
|
$15.00 |
|
|
|
|
|
|
Interest Income |
|
$438.26 |
|
|
|
|
|
|
Restricted Gift for Scholarship |
$0.00 |
$0.00 |
|
|
|
|
|
|
total |
$9,200.00 |
$6,722.14 |
|
|
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|
|
Committee |
Budget |
Expense |
Year-End |
|
|
|
|
|
Comm/Support |
$300.00 |
$0.00 |
$300.00 |
|
|
|
|
|
Coord
Endowment Cmte |
$100.00 |
$0.00 |
$100.00 |
|
|
|
|
|
Education |
$3,000.00 |
$0.00 |
$3,000.00 |
|
|
|
|
|
Education Scholarship-Spec |
$0.00 |
$0.00 |
$0.00 |
|
|
|
|
|
EEF
Scholarships |
$600.00 |
-$600.00 |
$0.00 |
|
|
|
|
|
Elections |
$0.00 |
$0.00 |
$0.00 |
|
|
|
|
|
Fund
Raising Cmte |
$0.00 |
$0.00 |
$0.00 |
|
|
|
|
|
Fund
Raising Gifts to Endowment |
$1,000.00 |
$0.00 |
$1,000.00 |
|
|
|
|
|
Marketing |
$300.00 |
$0.00 |
$300.00 |
|
|
|
|
|
Membership & Roster |
$2,000.00 |
-$1,060.33 |
$939.67 |
|
|
|
|
|
Newsletter |
$1,300.00 |
-$287.81 |
$1,012.19 |
|
|
|
|
|
State
Fair |
$350.00 |
-$420.57 |
-$70.57 |
|
|
|
|
|
Officers Expense |
|
|
|
|
|
|
|
|
President |
$125.00 |
-$73.09 |
$51.91 |
|
|
|
|
|
Vice President |
$25.00 |
$0.00 |
$25.00 |
|
|
|
|
|
Secretary |
$35.00 |
-$49.22 |
-$14.22 |
|
|
|
|
|
Treasurer |
$65.00 |
-$88.99 |
-$23.99 |
|
|
|
|
|
total |
$9,200.00 |
-$2,580.01 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Fund |
Balance to Start Fiscal Year |
Funds
Received |
Transfers |
Balance |
|
|
|
Coordinator Endowment |
$0.00 |
$545.00 |
$0.00 |
$545.00 |
|
|
|
Lifetime Dues FY 10-19 |
$132.00 |
$432.00 |
$0.00 |
$564.00 |
|
|
|
Education Endowment |
$123.00 |
$15.00 |
$0.00 |
$138.00 |
|
|
|
Planned Gifts to Coord Endow |
$0.00 |
|
$0.00 |
$0.00 |
|
|
|
Reserve Funds CD's |
|
|
$0.00 |
|
|
|
|
total |
|
|
|
$1,247.00 |
|
|
| |
|
|
|
|
|
|
|
|
