Fiscal Year Ending

June 30, 2010

Annual Report
 Table of Contents

• Note from the President, Board of Directors – Pg. 2

• Note from the Executive Director – Pg. 2
• Our Mission – Pg. 3
• Program Summary – Pg. 3
• Volunteer Summary – Pg. 5
• Strategic Direction – Pg. 6
• Summary of Operations – Pg. 6
• Outlook – Pg. 8
• Our Donors – Pg. 10

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Note from the President

This year’s annual report highlights much good news. Our program has doubled over the last
two years, while we’ve succeeded in cutting expenses and maintaining a balanced budget. We
are serving a larger number of special needs individuals and broadening our geographic reach
throughout Beaufort, Jasper, and Chatham counties. We have created new programs to enrich
and empower the lives of children, adults, and senior citizens alike, and have grown in our
volunteer ranks to support the increase in the number of people we serve.

We are, however, very mindful of the economic realities of life today. The donor world has
shrunk, while the number of those in need has risen. At the same time, those we serve are
caught in the predicament of lower incomes coupled with higher medical costs to cope with
their special need. Simply stated, the business of operating a non-profit organization is arguably
the most challenging of any time in our lives.

Heroes on Horseback understands that donors have a choice, whether that choice includes
giving at all or giving to specific organizations. We are committed to insuring that all of our
donors recognize the importance of their gift and the knowledge that it will not be wasted. We
are thankful for our donor base and invite all to visit our program and see firsthand the miracle
of empowerment they provide our special needs community through their generosity.

Note from the Executive Director

As I reflect on the many topics deserving of my attention in this year’s annual report, I have
chosen to write about only one – that of thanks. As you read this report, you will quickly realize
that none of the accomplishments we highlight would have been possible without the
dedication, compassion, generosity, and energies of hundreds of people.

To our volunteers, words simply cannot express the gratitude and respect the board and staff
has for every one of you. The program begins and ends with your efforts. You are the backbone
of who we are and the stimulus for what we can become. Thank you for all you do.

To our donors, your generosity is the lifeblood of our organization. Your financial support
allows us to serve our special needs community in unique and empowering ways. With the cost
of medical treatment already a burden to most of our families, your contributions allow anyone
who can benefit from equine-assisted therapy to participate with us, regardless of their
financial means. Thank you for your support.

To those and their families, whom we serve, your participation in and commitment to our
program will be life-changing. You will experience levels of self-empowerment beyond your
expectations as you come to understand the special bond between horse and human. You will

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recognize the passion for healing throughout this organization. Thank you for allowing us to
help you.

Our Mission

The mission of Heroes on Horseback (“HOH”) is to enrich the lives of special needs individuals in
the Lowcountry through equine-assisted activities and facilitated learning. HOH implements this
mission by providing safe, professional and ethical equine-assisted activities for individuals in
the Lowcountry with physical, mental or emotional disabilities without regard to race, color, or
creed; by fostering educational opportunities for all individuals interested in equine-assisted
activities; and by encouraging research to enhance and contribute to the field of equine-
assisted activities.

HOH serves hundreds of special needs children and adults each

year, with disabilities including autism, cerebral palsy, downs
syndrome, ADD and ADHD, learning disabilities, muscular
dystrophy, speech impairment, multiple sclerosis, and stroke. HOH
also provides equine-assisted therapeutic activities to challenge
the frailties of an aging population. The goal of our equine-
assisted therapeutic activities is to build confidence, improve
concentration, develop self-awareness, instill self-discipline, and
improve posture, balance, strength, flexibility and eye/hand
coordination for our special needs participants. The horse provides
freedom of movement and excitement that no clinical setting can
duplicate.

Program Summary

With a focus of “Changing Lives, One Stride at a Time” HOH is committed to growing our
program to reach greater numbers of special needs children and adults in our community. The
doubling of our program size over the last two years required significant resource planning, as
increases in volunteers, herd productivity, and operating funds established our ability to meet
the needs of a growing special needs population.

HOH accomplished this growth through partnerships with feeder organizations, improved
community support and increased media coverage. More specifically, HOH has grown in its
partnership with Special Olympics, increased its commitment from Jasper County Board of

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Education, created new associations with local support groups such as Lowcountry Autism
Foundation and Savannah Autism Support Group and implemented the Silver Saddles program.

Media coverage over the last year included three

television spots and a live remote broadcast from our
facility along with numerous newspaper articles
covering our program. Additionally, HOH received the
Hometown Hero award from South Carolina ETV for its
work with the special needs community. This
wonderful media coverage allowed us to showcase our
new home at Tulifinny Preserve of the Lowcountry, a
facility that provides extended hours of operation and
covered arenas in which to accommodate our growth.

During the 2009-2010 school year, HOH served 79 Special Olympics participants. Students from
Beaufort and Jasper County school systems were brought to our facility four days a week for
three six-week periods to participate in therapeutic riding. Special Olympics riders from more
than a dozen schools participated in fall, winter and spring sessions. During these sessions, not
only did the children learn basic riding skills, but they also received therapy pertinent to their
independent education program. HOH coupled the special education goals with therapeutic
riding goals and criteria to maximize the benefit for each student. This year, HOH and Special
Olympics are reaching out to other schools in the district to make this opportunity available to
more special education students regardless of their special needs. Additionally, planning is
currently underway to host regional and state wide Special Olympics equestrian competitions
at our facility.

In the spring of 2010, Jasper County provided therapeutic riding for all of its special needs
students from Hardeeville. Approximately
25 students from the elementary, middle
and high schools attended the six week
session, with plans for adding the Ridgeland
schools in the fall of 2010.

For the third year in a row, HOH conducted

a summer camp program. We continued
our work with existing partners such as the
Challenge Camp of the Hilton Head
Recreation Center while developing new associations with viable support groups such as
Lowcountry Autism Foundation and Savannah Autism Group. The RESPITE program was again a
component of our summer program, as able bodied siblings attended our therapeutic riding

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camp with their special needs siblings, thereby providing their caregivers with a little “time-off”
from the rigors of endless attention. A total of 100 volunteers worked to make this a very
successful summer program.

Fiscal 2010 also ushered in our new Silver Saddles program for maturing adults of at least 50
years in age. The program targets the benefits of building core strength, balance, coordination,
increased energy levels, and, of course, socializing. Many of these riders received the
therapeutic benefits of horseback riding, while either fulfilling a lifelong dream or returning to a
passion they had in their younger years. To date, 35 seniors have participated in our Silver
Saddles program.

Volunteer Summary

Equine-assisted therapy is extremely volunteer-dependent. From instructors to horse leaders,

side walkers, barn workers, ground assistants, and administrative helpers, the programs at HOH
simply wouldn’t exist without the hundreds of volunteers contributing thousands of volunteer
hours in support of our mission. On average, HOH provides a nearly one to one ratio of
volunteers to program participants on any given day, with a more than three to one ratio inside
the riding ring.

"It is the highlight of our week," say Heroes on

Horseback volunteers Gwen Thelen and Joe
Agresta. Gwen and Joe have volunteered at
'Heroes" for two years. They are "side walkers"
and have helped many special riders, encouraging
and coaching them during class. Joe is an
experienced horseman and they both "enjoy the
children and the horses immensely," says Gwen.

"The children's smiles and tight hugs make it very special." "The kids grow in self-esteem right
before your eyes!" "What a difference in just six short weeks!" "We love their reaction to
riding and being up on a horse!" says Gwen.

Volunteers arrive at Tulifinny early in the morning to bring in the horses. They groom them and
get them ready for class. When the kids arrive, volunteers greet them, assist them with putting
on their helmets and prepare them to mount "their" horse. After class, they often give the
horses a cooling shower and a 'treat' before turning them out to one of the spacious paddocks
at Tulifinny. Many volunteers have owned horses or ridden most of their lives. Working at
HOH has made a difference in their lives, too. "When I moved to South Carolina I just loved it,
but something was missing" said one new volunteer. "When I found Heroes on Horseback and
could be around horses again and see the kids ride, I felt like I had found what I was missing."
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 Volunteers are the heart of Heroes on Horseback. Horse leaders are in charge of the horse and
side walkers walk along each side and help the riders understand the lesson and communicate
with the instructor. Lessons help in developing motor skills, and incorporate games to help
with following directions. Volunteers cheer and encourage the riders when they complete a
'task' such as tossing a ball in a bucket. Ask any Heroes on Horseback volunteer about the
organization and they will probably agree with Joe and Gwen's summary:

"It is a wonderful organization of dedicated people!”

Strategic Direction

In February 2009, the HOH Board of Directors conducted a strategic planning session to
evaluate the existing business/program model and operating plan for the organization. Similar
to most non-profit organizations, HOH had begun to experience the effects of a recessionary
economy. This resulted in reduced contributed income from individuals and grant-providing
organizations, coupled with reduced earned income resulting in declining program revenues as
fewer participants contributed to the already heavily subsidized cost of equine-assisted
therapy. Without a successfully implemented action plan to address these major revenue
declines, HOH would need to curtail its programming, thereby reducing the number of special
needs clients it served.

As a result of the strategic planning session, the HOH Board of Directors created a strategic plan
targeted at:

• Increasing program revenues

• Increasing contributed income
• Increasing clients served
• Reducing operating expenses

Summary of Operations

By the end of March 2009, an action plan was implemented to deal with each of the four areas
of the strategic plan:

Increasing program revenues

HOH created new programs to introduce to new groups who would benefit from equine-
assisted therapeutic activities. These programs included an able-bodied sibling program, a

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volunteer riding lessons program, and our Silver Saddles program targeted at therapeutic
riding for senior citizens. Additionally, HOH created collaborative partnerships with regional
special needs organizations that could provide and partially fund the cost of equine-assisted
therapy for their clients. These new programming initiatives resulted in an 83% growth in
gross program revenues from $38,034 in fiscal 2009 to $69,591 in fiscal 2010.

Increasing contributed income

HOH introduced a number of changes to its donor program during fiscal 2010 that included
an upgraded donor data base, the creation of an e-blast emailing system, and a new donor
recognition program. Additionally, HOH implemented a new grant writing program that
included sourcing new grant providers both locally and regionally and creating a grant
calendar and application matrix that resulted in a more efficient grant writing system. As a
result of these donor initiatives, HOH experienced a 16% increase in total contributed funds
from fiscal 2009 to fiscal 2010, with grants increasing $31,000 or 78%, partially offset by a
17% decline in fundraising events. The entire decline in fundraising resulted from a $22,000
reduction in a matching gift program from one contributor during fiscal 2010. All other
fundraising activities experienced increases over the previous year, and the HOH signature
fundraiser, the Kentucky Derby Party, experienced its second consecutive year of record
revenues.

Increasing Clients Served

As a result of the new program initiatives during fiscal 2009 and 2010, HOH experienced
large increases in the number of special needs individuals served. During fiscal 2009, HOH
served 189 clients, a 52% increase over the 124 clients served the previous year. In fiscal
2010, HOH experienced a 41% increase over the previous year, with 267 clients served.
From 2008 to 2010, tuition assistance granted to qualified special needs individuals nearly
doubled, from $14,000 to $25,000.

Reducing Operating Expenses

In fiscal 2008, earned income accounted for 12% of total expenses. In other words, during
2008, HOH needed to raise 88% of every dollar spent through contributed income. While
this ratio of contributed income to total expenses remained flat during fiscal 2009, dramatic
improvements were experienced in fiscal 2010 with earned income increasing to 25% of
total expenses, as expenses were reduced and net program fees increased.

During Fiscal 2010, HOH reduced expenses by 21% ($48,594) from the previous year, with
major reductions in horse expense, office expense, professional fees, and payroll. Near the
end of fiscal 2009, HOH introduced a horse productivity matrix that measures the costs of

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 individual horses with their productive hours in the program. This measurement tool
allowed HOH to identify the most costly horses in the herd, retire them, and replace them
with lower cost, higher productive horses. The implementation of this management tool
resulted in the average age of the herd declining from 20 years old to 14 years old and a
45% ($18,300) decline in horse maintenance costs, while still allowing HOH to serve 78
more clients than the previous year. Additionally, HOH has moved from a herd composition
that was 50% owned and 50% free-leased horses to a herd comprised of 25% owned and
75% free-leased. This gives HOH additional flexibility to rotate horses that are no longer
productive in the program.

Selected Financial Information

2008 2009 2010

Clients Served 124 189 267
Gross Program Fees $ 40,708 $ 38,034 $ 62,670
Tuition Assistance $ 14,033 $ 11,565 $ 25,218
Earned Income % 13% 18% 23%
Contributed Income $ 190,964 $ 130,231 $ 150,850
Grants Received $ 63,582 $ 39,636 $ 71,043
Total Expenses $ 226,837 $ 236,770 $ 188,176
Program Expenses $ 186,256 $ 145,766 $ 120,285
Expenses Per Client $ 1,502 $ 771 $ 451
Net Profit (Loss) $ (8,849) $ (78,776) $ 8,873

Outlook

Non-profit management presents challenges that

are arguably the most difficult to deal with of any
business model. With the majority of revenues
derived from contributed income, HOH
appreciates that we are dependent on individuals
discretionary spending at a time when that level
of spending has diminished greatly, just so
families can make ends meet. Additionally, the
grant world has drastically cut back, with more
deserving organizations applying for a declining
reserve of funds. As a non-profit organization with a specific mission and purpose, we simply do
not enjoy the many business tools available to the for-profit business community. Changing our

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markets and those we serve, increasing pricing, and reducing our product quality or features to
save costs are simply not options for an organization dedicated to improving the lives of a
community already hit hard by the economic realities of coping with a special need.

Nevertheless, HOH does have the ability to conduct smart business. Over the last year, HOH has
created strategic partnerships with organizations that have resulted in increased levels of both
earned and contributed income while also assisting those organizations in the fulfillment of
their missions. Continued collaboration with organizations that serve the special needs
community is critical not only to our own growth, but also to the ability of all organizations to
meet the needs of this community.

Continued expense management is also a vital tool to insure longevity and growth. HOH is
committed that every dollar it spends must not be wasteful and must have a return that
benefits the community we serve. By reducing the cost per participant from $1,502 to $451 in
less than two years, HOH has shown its donor base that it is committed to conducting smart,
responsible business while serving a greater number of special needs individuals. This is a
central theme for us as we reach out in a competitive fundraising world; donors should
understand our commitment to being responsible stewards of their contributed funds.

HOH is positioned to meet the growing requirements of a special needs community. The
benefits of equine-assisted therapy are irrefutable and the desire and passion to further our
mission are shared by everyone in the organization. We will continue to pursue the challenges
of growth, as we introduce new programs and expand existing programs, so that we may
always improve the lives of those we serve, one stride at a time.

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 Fiscal Year Ending June 30, 2010
Donor Listing

Roseanne Adams Jane Brown Sam DiLieto

Aetna Foundation Judith Brown Marcia Dillon
Eleanor and Michael Agresta Sally Brown Discount Fabrics
Alford & Wilkins, P.C. Tom & Yolanda Brown Leah & Bobby Dodd
Ann Alford Sheila Buck Doggie Doos Agility
All Saints Episcopal Church Garden Tour Albert Buckley Susan Dolan
Ameriprise Financial Monika Buggs Helen Donohue
Virginia Andersen Joyce and Dick Burggss Brad & Mary Ann Downing
Anna Maria L. Bennett Fund Terry Burke Hilary Drammis
Guy & Grace Annunziata Louanne Burrows Eleanor Drew
Guy & Tara Annunziata Sharon Burstein Robert Driscoll
Charles Annunziata Calhoun Station Sheila Drouin
Mike Antonelli Lisa Callahan Deborah Drury
Appleton Partners, Inc. Kate Campbell Dynamic Bodywork
Reed Armstrong Dan & Jean Caplan Edisto Equine Clinic
Gene Arnold George Capuzello Eileen Fisher, Inc.
Judith Aronson Jeanne Carroll Bryce & Emily Newman Elkins
Jim and Sheila Baden Connie Carson Janet Ellis
James Baehr Celebration Supplies Equus Ventures, LLC
Bill Baker Celebrity Golf Tournament Alma Ericson
Janet Balmaceda Children's Relief Fund The European Spa
Paul & Merrill Barringer Christine's Café & Catering Faces Day Spa
George and Sue Barunas Eileen Clark Richard Fagon
Cathleen Batchelor Joan Clear Christine Falvey
Beach Properties of Hilton Head Coastal Chic George Farnsworth
Beaufort Kennel Club, Inc. George & Debbie Cobb Suzanne Farrington
Beauty Salon of Hilton Head Kate Cody Carolyn Fellowes
The Bedminster Group Maureen Coffey C.R. Fenstermaker
Belfair Golf Club Cohasset Golf Club Ann Filizzi
Belfords Seafood & Steaks Helen "Ginger" Cohen First Federal Premier Banking
Lawrence A. Berg Milton Cohen Donald & Janet Fisher
Nancy Berger Linda Cooper Paula Flink
Russell Berke Theresa H. Cooper Terri Ford
Berkeley Hall Club Marcia Cornell Forsythe Jewelers
Kenneth L. Berman Bess B Cotton Donald Fortney
Bernard and Marilyn Bernstein Andrea Coulter Patty Frank
Laurel & Saul Bershadker Walter and Janet Cox Frankie Bones Restaurant
Patrick Blair Julie Dampier Culhane Ruth Fraser
Margaret & Peter Blake Pat & Charlie Cunningham Fresh Market
Pat Blake Curves of Bluffton/Hilton Head Kurt and Marlene Fried
William R. Blank Rob & Janina Cushman Rebecca Gallagher
Hilda E. Blazevich Jessica & David Dailey Amy Gamon
Bluegrass Services Mr. & Mrs. Fred Daley John and Kathryn Garber
Judith Bluestone Linda Davenport Anne Gardocki
Joanne Boermann Henry Day Gisela Gates
Bryan Bourret Diane De Forest Anna Ghionis
Jack and Susan Bowman Frank & Lenore Delprete Philip & Deborah Giovanelli
Branches David & Ann Demick GKK, Inc.
William A. Brant Susan Lea Detorre Kathleen Glass
British Open Pub Suzanne Dever Donna Goings
Daniel & Sharon Brown Salvatore and Valerie Dilieto Sondra Goldberg

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 Fiscal Year Ending June 30, 2010
Donor Listing (Continued)

Good Health Unlimited Sherry Kahle Cindy McCammon

Eugene Gould James & Melissa Kavanagh Foster McCarl
The GRACE Center Mary Kelsey R. L. McCarthy
Janet Graves Mary Stark Kendrick Barbara McCool
Mary Ellen Graves Kingfisher Seafood Joseph McCue
Lee & Barbara Greenberg Laura Kinsey William E. McDougall
Kathy Gretchen-Campbell Bob & Diane Kirkland Gene McGrew
Gruby's New York Deli Terry Kitchens Thomas McHale
Jeff Gurnham Mary Lu Kjer Bill McHenry
Barbara K. Hahn-Campanella Stephen Kmeth Carol McMillan
The Hair Designers Knights of Columbus Council 12263 Preston McMillan
Linda Hall Irene Konstanty John McNamara
Louise Hall Gary L. & Rosemary Kratz Sam and Carolyn Melcher
N. Hall Andrew Krim Erica Michaels
Richard W. Hamilton Susan Krohn Suzanne Milbourn
Norman P. Harberger J. Denise Kronimus Betty Miller
Harbour Town Yacht Club Bonnie Krstolic Bonnie Miller
Hargray's Caring Coins Foundation Gabrielle LaCroix Lucille Miller
Elizabeth S. Harleman Trent Langhorne Louise Miller-Haaker
Elsie Hauver Joseph and Ann Lapchick Charles Miner
Kevin Healey Jane Larrow Lynise Minniefeild
Carl P. Helfrich Joesephine LeDonne Howard & Angela Misthal
Standord Heller Bob & Elaine Lee Bob & Rebecca Morris
Linda Herczegh Bobby Lee Tom & Kay Morton
Heritage Classic Foundation Christian Lee Moss Creek Equestrian Center
Hilton Head Island Concours d'Elegance Jack & Lucille Lee Kathleen Mulcahy
Hilton Head Massage Therapy May Leong Carol R. Mullins
Thomas Hines Susan Lesnik Marcia Murphy
Betty Hintz Joseph Levy Dorothy Meyers
Historic Carriage Tours of Savannah Drew Lieb Nationwide Insurance
Katherine Hogye Lions Club of Sun City, Okatie David & Sharon Nelson
Harry & Maxine Holliday Rick Loar Patricia Nelson
Gary Hollister Mary Londergan G. A. Nesbitt
Holy Family Catholic Church Long Cove Club Community Endowment Thomas & Patricia Nicarico
Robert Hooks Kay Long Beth Niland
Nance Hooper Lynda Long Ann O'Brien
James Hopkins Longfield Stables Jane O'Brien
Horse & Farm Services Longhorn Steakhouse Kathleen O'Brien
Tom & Martha Horsefield Candace Lovely Old Oyster Factory
IMC Rentals & Sales LLC Lowcountry Motors John and Marguerite Olden
Iron Workers Local 709 Carol Luyster Oreck of Bluffton
Island Medical Spa Jennifer Lyle Doreen Orf
Kathy Jackson Barbara Lyons Outback Steakhouse
Donna Jacob Nancy MacKenzie Outpatient Surgery Center of HHI
Greg Jacobson Sydney Maddox Parris Island Officers' Spouse's Club
Mary Carroll Jacques Paul Manniheim Susan Patton
Jane D Weiss Family Foundation Markel's Paul & Merrill Barringer Foundation
Jim & Nicks Donna Martin Julie Toon Pauley
John & Margaret O'Donnell Jr. Marty Katz Rowena Peacock
Andrew Jones Marilyn Master Charles & Patricia Pelzer
Mary Ella Jones Gail Matthews Richard Perrini
Vicky Jourdan Glenn & Gail Matthews Caroline Peterson

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 Fiscal Year Ending June 30, 2010
Donor Listing (Continued)
Dr. & Mrs. William Petty Denise Schremmer Myrna & George Tillis
Judith Picardi Judith & Phillip Schriger Jennifer Tillman
A. E. Picoff Sherri Schuenaman Peggy & Bob Tis
Picture This Peggy & Rob Schwarz Melissa Tocci
Stephen & Valerie Piecuch Scoot Dog Agility, LLC John Tran
Piggly Wiggly, Coligny Plaza Sea Pines Country Club Tallula & Joel Trice
James Pike Sea Pines Resort Mauricio & Elise Trujillo
Lisa Plowden The Sea Shack Matt Trumps
Moultrie & Mary Catherine Plowden Sea Trawler Restaurant Tulifinny Preserve of the Lowcountry
Georgianne Porto Linda & Dale Sestito R. G. Tyrell
Pretty Papers Shalom Club of Sun City Frank Usefara
Professional Financial Advisors, Inc William Sharp Maxine Uttal
Carol Puchalski Dennis Sheets UUC of the Lowcountry
Purly Gates Theresa Sheetz Carolyn Vanagel
Ginny Quattropani Sheri's Edible Designs Robert Vandermark
Patricia Rahi Joyce Shlansky Sheila Vinikoff
Stan & Cindy Rainey Cheryl Shookman Eleanor Waal
Patricia Ralff Marty Siebers Wachovia Bank Okatie
Christine Rasimick Monica Silver Ron and Kay Walker
Red-Beau, Inc. Teresa Sines Wal-Mart Foundation / Wal-Mart #728
Ruth Reinhold Skillets Grill & Café Deborah Walters
Rhett House Inn Beth Smerglia Karen Warco
Marlene Richardson Judith Smith Joan Weir
Patricia Richardson Ronald Smith Hans Weitekamper
Ginny & John Riley Patricia Smoot Wexford Plantation Golf Club
Sandra Roach Ron and Mary Ann Soldo Ann White
Rollers Wine & Spirits South Carolina Bank & Trust Susan White
Ron Casas Photography St. Francis Thrift Shop Widow & Widowers Club of Sun City
Rose Hill Golf Club St. Luke's Episcopal Church Muffy Williams
Barbara Rosenbaum Stanley Steamer, Hilton Head Janice Wilson
Edna Roth Rollin and Vicki Stickle Karen Wilson
Ruan Thai Cuisine J. Grant Stouffer Nancy Wittke
Joseph & Marie Rude Luther Strayer The Wm. F. Hilton. Co.
Sarah Rudin Miriam Sukernek Barbara Wolf
Rug Décor Leslie & Tom Sullivan The Women's Assn of Hilton Head
Kelly Ryan William and Shanna Sullivan Martha C. Worthy
Lorna Ryan Joan Sussina Chelsea Wozniak
Samantha Ryan Sweet Carolina Cupcakes Deanna Yount
Jonathan Sack MD Michele & Ted Szynal Rhetta & Buzz Yount
Kristen Sakati Thaddeus and Michele Szynal Walter & Vivian Zagrobski
Alison & Christophe Salerno Sara Tague Laurie Ann Zastrow
Sandy Beach Association Pam Taub Gail Znachko
Santa Fe Café Lynn Taylor
Sherrie Sauer Randy Taylor
Sharon Saupp Carol TeVault
Robert Savarese Marion Thom
Jane Sawtell Christine Thorington
South Carolina Bank & Trust Rachel H. Thorton
Cheryl Schattall Tibbs, Gerard and Danielle
Lawrence Schiner Irene, Gerry, & Jill Tibbs
Kim Schoning Warren Tiley

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