V O L U M E 8 , N O . 2 • S P R I N G - S U M M E R 2 0 1 5

PromISEPromISEA P U B L I C A T I O N O F H E B R E W F R E E L O A N

We Provide Loans.We Promise Dignity.

Over the years, in person to those Imeet, and in this column, I’ve

made no secret of how I feel aboutHebrew Free Loan. As my term aspresident draws to a close, let me sayagain: this is no mere agency. Whenwe come together, we transcenddesks and computers and cups of cof-fee, melding our individual talents torepair the world in dynamic fashion.

In our 120-year history, HFL wasan instrumental partner in helping toestablish our Jewish way of life in Detroit. We have found nobetter way than the way pioneered by those few Jewish mer-chants who created HFL, and the core of our being, our heart,is a sense of history and responsibility to that partnership. HFLis that intangible element that gets under your skin when youcan make things better for others. It calls together Jews fromacross our community, from all backgrounds and professions,who work together as Board members in this common cause,bringing their experiences and compassion to improve lives,educate students, and support the dreams of small businessesand Jewish families. These people who are seemingly so differ-ent on the surface come together, work with each other, withour professional staff, and with our borrowers to support ourcommunity, change futures and act as ambassadors for Jewishvalues.

It has been my sincere honor to be a partner in this agencyfor several years, working alongside amazing people, includingour Executive Director David Contorer, a man of extraordi-nary talent and vision. Our professional staff are partners inthe truest sense of the word, delivering on all fronts, whetherwith Board members or the public. They are a lean machine,forming a bridge between all who approach our agency andhow we work with them to resolve their needs.

More partnerships abound. In this newsletter, you willread just a small sampling of HFL’s practical good, aboutestablishing relationships across the community with donors,organizations and individuals that translate to a better deliveryof our services to others. We have stretched to new heights inthe last two years, including the establishment of the WilliamDavidson Jewish College Loan Program; expansion of our

A F O R W A R D V I E W L O A N F U N D I N V E S T M E N T

Students in Michigan who dream ofa future in medicine or dentistry

have new cause for excitement.Through the generosity of Dr. Aldenand Lorraine Leib, Hebrew Free Loanis pleased to be able to offer interest-free loans to Jewish students pursuingtheir medical or dental education orspecialty in Michigan. The fund oper-ates under the umbrella of the WilliamDavidson Jewish College LoanProgram administered by HFL, usingthe existing online application for allWDJCLP loans, and working withinthe same parameters. Applicantsshould know:

• This is need-based interest-freemoney for education.

• Qualifying students must beenrolled in or accepted to medicalor dental programs within accred-ited colleges or universities inMichigan.

• Funding is for current Michiganresidents who are Jewish.

• The Free Application for StudentFinancial Aid (FAFSA atwww.fafsa.ed.gov) must be com-pleted for eligibility.

• There is a post-application inter-view with program staff.

• Two co-signers are required.• While attending school, required

annual loan repayments are $100.• There is no fee to apply.• The application, requirements

and other information are onlineat www.jewishcollegeloansmi.org.

Alden and Lorraine Leib feel stronglythat establishing this important fundgives Jewish students an opportunityto lessen their debt burden when pursuing a medical or dental degree,with the added potential benefit ofkeeping those students in Michiganwhen their studies end and their professional practices begin. The cou-ple hopes the legacy of the fund will beto make the Michigan Jewish commu-nity stronger, and to let the studentsknow their community is behind them.

Alden, a periodontist in privatepractice, and an instructor at theUniversity of Michigan, remembered hiseducational experience, and watchedhis students as they progressed throughtheir own studies, sometimes strugglingunder the burden of mounting expenses.

“Medical school is an addition toyour undergraduate education, and ifyou take on a specialty, that can addthree or four years,” Alden said. “It’s acommitment that isn’t undertakenlightly. The cost of that education isincredible, and can sometimes deter-

HFL President Michael Berke

Dr. Alden M. and Lorraine LeibMedical/Dental Loan Fund Established for Health Care Education

TheThe

Better Together: HFL Partners

{ Continues on page 2 }{ Continues on page 6 }

mine a student’s choice to move in one direction or another.Anything we can do to help is significant to advancing medi-cine and dentistry in Michigan.

“For the past two years, we have searched for the appropriateway to make a significant gift that would be meaningful, both tous and to the community,” Alden commented. “Establishing thiseducation fund secures a future for others for years to come.”

Lorraine continued, saying, “We have been most pleasedwith the guidance, direction and understanding that HebrewFree Loan has given us,” and expressed her appreciation ofHFL, saying, “They really care, and seem very personal,warm and inclusive in the planning of our fund.”

HFL Executive Director David Contorer expressed hisexcitement over the direction of the fund. “The Leibs’ fund is

a game-changer for Jewish medical and dental students acrossMichigan. As those loans are repaid and the money recyclesinto brand new education loans over time, Alden andLorraine’s investment in Michigan students will help genera-tions of health professionals get the higher education theyneed to be successful.”

The Dr. Alden M. and Lorraine Leib Medical/DentalEducation Fund was available for applications during the Mayfunding period of the William Davidson Jewish College LoanProgram, making an immediate difference in student educa-tion choices for the 2015-2016 school year. Funds will also beaccessible for WDJCLP’s second loan cycle, which is openJuly 1-31. All application details and information are availableat www.jewishcollegeloansmi.org.�

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Dr. Alden and Lorraine Leib Establish Education Fund {Continued from page 1}

HFL and Temple Israel Helping Families TogetherTemple Israel Rabbi Joshua Bennett is

quite familiar with how the economyhas affected local residents. A memberof the clergy at the West Bloomfield-based synagogue, Rabbi Bennett is oftenapproached by those with financialissues uppermost on their minds.

“Over the last few years, thingshave been very hard on the familieshere,” Rabbi Bennett said. “Stayingafloat has been a problem. Parents want to give their children the opportunities some take for granted, such assummer camps or religious school, or the kind of BarMitzvah or Bat Mitzvah that is on par with their child’speers. Families that have been affected by unemployment orunderemployment come to us looking for answers orresources. Hebrew Free Loan is one such resource.”

“They dislike having to come to us,” said Kari Provizer,Director of Temple Israel’s Robert Sosnick Family LifeCenter. A licensed social worker, Kari also meets synagoguemembers who need options. “These are people who are nodifferent from any of us, but have experienced bad times.They lose a job and make ends meet on credit cards or loansfrom family. Even if they find work, they are often buriedunder the cost of catching up with their debt. Or maybethey are seniors who lost a pension or have health careexpenses. It can be emotionally devastating to come forwardand ask us for reduced dues, a lower price on camp fees, orhelp with something serious, especially when the worldthinks you’re doing okay. How do you make that better?”

Hebrew Free Loan Executive Director David Contorerand agency Loan Program Manager Cheryl Berlin met withKari and Rabbi Bennett, and expanded their cooperativerelationship as a result of that meeting.

“We like to check in with our community partners andgo where people are in our community, to reinforce rela-

tionships and to pursue avenues to bemore useful,” David said. “Our loan pro-grams change and evolve to meettoday’s needs, and it makes sense tocome out into the community and talkabout them. We still hear people say, ‘Ididn’t know you made loans for collegeor adoption or wheelchair lifts for mymom.’ Coming to a place like TempleIsrael gives us a chance to talk about it,

and helps us identify what we could be doing better.”Working together, Kari, Rabbi Bennett, David and

Cheryl came up with ways to handle some sensitive referralsfrom Temple Israel and make the process as simple as possible.

“One thing we hear is that people gather up theircourage to tell their story once, to one of us. If we thenattempt to send them somewhere else, just the thought oftelling that story one more time, and this time to a totalstranger, can keep them from seeking help at all,” said RabbiBennett. “What Kari and I wanted was to make the transi-tion easier, and impart a little information at the same time.If we emphasize the ease of the HFL application, underlinethe confidentiality at Hebrew Free Loan, mention that themoney is interest-free, and make the introduction to Cheryl,it smooths the road and gets us closer to the goal, which isimproving a personal situation.”

Kari, who works with many community partners,agrees. “We have the same values as HFL with regard tosensitivity and confidentiality. In this process, we learned alot about HFL funds and policies that we weren’t aware of,so there was an important educational component for us.Now we know we can often work with HFL when it comesto things like expediting critical loans. The key to helpingour community in the best way possible is building the rela-tionships, sharing the knowledge. HFL is rising to the occa-sion, working with us so we can help our members.” �

Kari Provizer and Rabbi Joshua Bennett

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Metro Detroit’s Jewish commu-nity provides an amazing

menu of services to older adultswho want to age in place, or whoneed support to live indignity.These care services, pro-vided by Jewish Family Service(JFS), Jewish Senior Life (JSL),independent geriatric care work-ers and eldercare living facilities,often require financial resourcesthat many families do not haveavailable.As the population of theelderly in our Jewish communitycontinues to increase, there is enormous demand for an excit-ing new program being launched by Hebrew Free Loan, inpartnership with JFS and JSL, the D. Dan and Betty KahnOlder Adult Care Loan Fund (OACLF). The programwill assist older adults and their families to help pay for life-enhancing services, equipment and home adjustments, so ourseniors can live in greater dignity and comfort.

Loans made from this fund are designed to cover the kind ofacute care needs seniors might require in order to live comfort-ably on their own at home, or with assistance. With a maximumsingle loan amount of $10,000, the fund could help families coversuch costs as wheelchair ramps, the widening of doorways, lower-ing of countertops, re-designing and re-plumbing a shower orsimilar accessibility expenses; durable medical equipment such asa walker, scooter, hearing aid or dentures; or short term homehealth care needs not covered elsewhere, and required as a resultof recovery from an acute episode.

Larry Wolfe, of the D. Dan and Betty Kahn Foundation, wasinstrumental in the creation of the Older Adult Care Loan Fund,remembering his father-in-law D. Dan Kahn’s needs as he aged.

“Fortunately, D. Dan Kahn was able to renovate his home toaccommodate his challenges as he grew older. Many people inour community (and their families) are unable to easily affordstructural modifications to their homes so they can remain in thefamiliar surroundings of the places they know and love, wheretheir children were raised, and where memories are part of thefabric of each room. Where possible, the Older Adult Care LoanFund will allow them to live in place in the comfort of their ownhome by utilizing an interest free loan from HFL,” Larry said.

Durable goods and home modifications are not the onlythings eligible for the OACLF. Personal care for seniors that sup-plements Medicare-supported services, or extraordinary out-of-pocket expenses can also be eligible. Examples include uncov-ered medical bills (the remainder after insurance/Medicare areapplied), necessary medications not covered by insurance, ortransition expenses, such as moving a parent who is on theirown, closer to family or into a senior apartment.

What sets this loan program apart from other HFL named

funds are the terms and the part-nerships.

OACLF money is available asinterest-free loans with relaxed andcustomized repayment terms.When needed, a loan applicationcan be completed on-site, like a“house call,” and the flexibilityextends to the number of co-sign-ers, which can be difficult for asenior to identify if they are takingout the loan on their own. Therecipient must be Jewish, and if theloan is being requested for a specific

item or service, like a wheelchair lift on a transport vehicle, awritten estimate of the cost should be part of the application.

“Borrowers can of course come directly to HFL for help,”said Executive Director David Contorer. “But the great thingis we have a network of other dedicated community agenciesthat also work regularly to address the needs of seniors. Assomeone who just moved a family member into one of ourcommunity’s senior apartment buildings, I can tell you wehave great local facilities and options for keeping people vitalwhich might be the answer to your need. But if not, HFL ishere. So if someone at a Jewish Senior Life apartment, forinstance, was identified as needing a scooter, the great staff atthat facility could help funnel that need through. We workclosely with Jewish Senior Life and Jewish Family Service tobe sure there is an appropriate response.”

Perry Ohren, CEO of Jewish Family Service, agreed.“Whatwe are also watching out for as we work together is duplicativeservice. For instance, JFS already has money available to helppay for your grandmother’s electronic medical alert system, soyour search for that assistance would bring you here.Professional to professional, agency to agency, we keep abreastof each others’ capabilites so you as the client aren’t taking outa loan for something that is available elsewhere for free. Andwe make our referrals knowing we are sending you to the rightplace based on what we each provide. Our JFS professionalsknow that if we don’t offer something, we probably have theconnection right at hand through our community partners. TheOACLF is one great tool in the broad array of services offeredacross our community agencies.”

The easiest option for community members who want toaccess this fund and other senior-related resources, is to gothrough the senior resource line, 248.661.1836. “That number,”said Jewish Senior Life CEO Rochelle Upfal, “is a clearinghouseor resource center for all senior-related information. Our agen-cies consistently dialogue with each other, working with theinterests of the community foremost. We will provide you withthe resources and information you need to take adavantage of ourcommunity’s comprehensive services. That’s cooperation.” �

D. Dan and Betty Kahn Older Adult Care Loan Fund a Partnership to Address Senior Needs

OACLF Partners from Hebrew Free Loan, Jewish Family Service and JewishSenior Life. Standing: Cheryl Berlin, David Contorer, Rochelle Upfal.

Seated: Perry Ohren, Shari-Beth Goldman, Carol Rosenberg.

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Not so very long ago, not far away,there were three men and one

washer. An ordinary circular inexpen-sive piece of metal, one might say, butthat washer was the first piece in thepuzzle that would become SupplyLine International (SLI), the piece thatbrought three men from beingemployees to founding an enterprise.

Josh Kaplan and his cousin, MaxCornfield, previously worked for afamily-owned OEM auto parts suppli-er, dealing with domestic sales andpurchasing for vehicle dealerships.Then there came a day when theemployees had an opportunity to buyout the owner of their company, who wanted to retire. “Ourfinancial and legal advisors gave us options,” Josh said. “We couldslide right into ownership of the existing business, which wouldhave been great. We would have a well-known name, but wewould also inherit the existing debt and have it hanging over ourheads right off the bat. Or, they said, we could start fresh. Wehad the contacts, we knew the pricing structure, we had theexisting orders, and we knew where to go to get that demandsatisfied. We were told it would be preferable to get a new busi-ness off the ground if we could get the capital in our hands topurchase the inventory. We did what most people do: we wentto the bank. Actually, we went to ten banks. Ten. They wereafraid of a start-up in Michigan in our economy. Then weapproached Hebrew Free Loan and met with Rob Schwartz.”

Josh came to the Marvin I. Danto Small Business LoanProgram committee interview jingling as he walked. “When theinterview began, I passed out the summary of our information,then I reached into my pocket and handed each of the Boardmembers a small metal washer,” Josh said. “It was our first pieceof inventory, a necessary piece on a very popular vehicle brand,and it was replaced at every oil change. The dealerships needed itin high quantity for their service bays, it was very specific in tool-ing, and we had orders waiting for it. During our presentation,the Board members asked very specific questions, because I don’tknow if they were initially convinced that a tiny piece of metalwas going to bring us success. Frankly,we expected another bankmeeting. The Danto panel was refreshingly different in the waythey spoke to us. They said they had bits of knowledge from theirown professional lives and from meeting with other businessowners, but it would be impossible to know every question toask. So they turned it around on us and asked us to explain fromthe beginning what we wanted to do, and how we would makethat a reality. They listened, read the numbers, and ultimatelyapproved the loan.”

The $100,000 loan, the maximum amount permitted under

the Danto loan program’s terms, gaveSLI the ability to make more than $2million in sales its first year in busi-ness, and $4 million the followingyear. It came with a caveat, however.“HFL gave us half of the money andsaid if we hit our targets, we couldhave the other half. We hit ourincome target 30 days sooner thanpromised,” Josh said. “Look at usnow. We have 15 employees and havediversified our services. We are pro-jected to do $12 million in sales thisyear. We do business across the worldand have offices in Michigan, Floridaand California.”

Of course, SLI sold more than just washers once it got offthe ground, expanding its automotive offerings into a warehousethat now supplies to other distributors and works with tier onemanufacturers for their supply. Some items are manufacturedspecifically for SLI, and for others they have been able to workwith the actual manufacturers of the items for the vehicle brands,get the same products and cut out the middlemen.

“Most of our items come from the manufacturers that makethe exact same pieces for the car companies,” Josh said. “Webuild a relationship with them. Same products, same materials,minted on the same equipment. Ours are less expensive for thedealerships because we go right to the source.”

The growth continued as SLI became SLI Group with sub-sidiaries under its umbrella. Once the founders were comfort-able with how the automotive business was growing, theyexpanded their business model to include durable health caregoods, an area where Darryl Kaplan had the kind of expertise andcontacts that Josh and Max brought to the automotive business.They branched out yet again when SLI became exclusive manu-facturer for Tony Fayne’s Sunscreen Mist sunscreen kisoks.

“Hebrew Free Loan was instrumental in what we accom-plished,” Josh said. “We have a vision, we have abilities and con-nections and we have good advisors who keep our business firmlygrounded in reality. But none of this would be possible withoutHFL. The agency is a valuable solution to a very real issue withentrepreneurs: lots of good concepts never reach their potentialsimply through a lack of access to cash. The banks weren’t listeningto us. Now we can keep growing our Michigan-based businessand moving to the heights where we believe we deserve to be.” �

The Evolution of Supply Line InternationalM A R V I N I . D A N T O S M A L L B U S I N E S S L O A N P R O G R A M

Left to right: SLI co-founders Josh Kaplan and Max Cornfieldwith Warehouse Manager Corey Bohn.

Update: Josh Kaplan and Tony Fayne appeared on the May 8broadcast of ABC’s Shark Tank to promote Sunscreen Mist. Whiletheir project was not selected to be funded, the partners appreciatedthe exposure, and continue to work to expand placement of theirsun care booths across the country.

HFL Board and Advisory Committee Meet,Decide Policies for New Fiscal YearAt their quarterly general business meeting, Hebrew Free Loan leaders reviewed some of the agency’s core strategies and procedures,approved current year numbers, and agreed on a direction for the agency’s efforts in the upcoming fiscal year. Changes and updates onthe HFL website were also discussed, along with previews of short videos produced to support the Marvin I. Danto Small Business LoanProgram and the William Davidson Jewish College Loan Program.

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W E L O V E U P D A T E S !

We’re not in it for the thank you notes or the accolades,but it is very nice to hear from some of our borrowers

how our agency has made a difference in their lives. If you,or someone you know, could use some support from oneof Hebrew Free Loan’s many loan programs or funds, weare here for our community. Whether it’s for education,health care, summer camp, small business, job training,or loans for a number of needs, there are numerousreasons to approach HFL.Find us online at www.hfldetroit.org, on Facebook atHebrew Free Loan Detroit, on Twitter at@HFLDetroit, or the William Davidson JewishCollege Loan Program is online at www.jewishcol-legeloansmi.org. Look us up, learn about us, giveus a call if you need us.

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Meeting with Washtenaw Leaders

Recognizing Shabbat Mishpatim

Hebrew Free Loan leaders connected with Washtenaw County’s Jewish community leaders in Ann Arbor. On the table werediscussions about HFL’s many loan programs for Michigan residents of all ages, and how HFL can successfully coordinate withJewish community services in the Washtenaw area. We are grateful to the leaders pictured here for their time and energy.

G I V I N G O P P O R T U N I T I E S

Hebrew Free Loan participates in the AmazonSmile charitable program. AmazonSmile is asimple and automatic way for you to support HFL every time you shop, at no cost to you.

Shop at smile.amazon.com, where you’ll find the exact same prices, selection and shoppingexperience as Amazon.com, with the added bonus that the AmazonSmile Foundation willdonate 0.5% of the purchase price from your eligible selections to Hebrew Free Loan. On yourfirst visit to smile.amazon.com, select Hebrew Free Loan Association of Bloomfield Hills, thenshop as usual. Thank you!

President’s Message {Continued from page 1}

outreach to Jewish organizations acrossMichigan to promote our loan pro-grams; networking with other commu-nity agencies to better meet the needsof the elderly and their families; boost-ing our relationships with synagoguesand other local groups; and looking forthe next need to meet in our community.

Our outreach has expanded toinclude an enhanced social media pres-ence, locally-hosted parlor meetings toincrease our network, and a recordnumber of pulpit messages about ourservices on Shabbat Mishpatim, theparashat that established the agency’sfoundation.

Internally, we instigated a reviewof our own policies and paperwork thatcan only lead to a more robust agency,and will attract the strongest and mostdedicated leaders to enhance our Boardas the years progress. And speaking ofpaperwork, we are pleased to havetaken a new approach to maintainingyour trust as stewards of communityfunds by earning a rare four-star ratingwith Charity Navigator (for more, seeDavid Contorer’s column on page 15).

I look forward to more years ofinvolvement and service along withother agency past presidents, all ofwhom, as people of character and pas-sion, remain involved in how HFLgrows to meet the needs of MichiganJews.

Looking over a stewardship that hasseen so much positivity in what feelslike such a short span of time, only oneelement remains unacknowledged: ourpartnership with you. Supporters,donors, borrowers who tell their sto-ries, co-signers, members of the com-munity who suggest our loan programsto others, and everyone who believes inimproving Jewish lives in Michigan is avital link in our agency. We are all trulybetter when we work together. Thankyou for being part of HFL, and part ofthe reason I am so proud of everythingwe do. �

Each year on Shabbat Mishpatim we pay homage to that portion of the Torah whichsets the foundation for Hebrew Free Loan’s existence. It reads, in part:

When you lend money to My people, to the poor among you, donot act toward them as a creditor; exact no interest from them.

Exodus 22:24We are grateful to rabbis and lay leaders across our community who take a

moment out of the Shabbat service to remind others of the good works HFL accom-plishes daily, ask us to remember it when someone is in need, and to support it whenpossible. Our thanks to the clergy and congregations of Temple Beth El, Temple BethEmeth (Ann Arbor), Temple Emanu-El, Temple Israel, Temple Kol Ami, TempleShir Shalom, Congregation Beth Ahm, Congregation Beth Shalom, CongregationB'nai Moshe, Congregation Shaarey Zedek, Congregation Shir Tikvah, CongregationT'chiyah (Oak Park), Beth Israel Congregation (Ann Arbor), Adat Shalom Synagogue,B'nai Israel Synagogue, Isaac Agree Downtown Synagogue, Young Israel of Oak Parkand Young Israel of Southfield. �

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G I V I N G O P P O R T U N I T I E S

Don’t want the hassle of writinga check or pulling out a credit

card? Start a Tribute Bank witha minimum deposit of $100. Eachtime you wish to send a Tribute,call us with the details, and we willdeduct the amount from yourBank. Call Beverly Dovitz at248.723.8184 to set up your Bank.

Packages of five blankTributes with envelopes may bepurchased for $25 each, and hand-written as needed.

Online Tributes may berequested 24 hours a day by selectingthe “Donate” tab and drop down to“Make a Tribute” on our secureWeb site, www.hfldetroit.org. �

HFL Tribute Bank,Tribute Packs

H E L P U S H E L P O T H E R S

We need you! LocalJews benefit fromyour generosity

Hebrew Free Loan welcomes yourTributes and contributions of any size

to support the agency and its loanprograms. Money donated to HFLstays right here in the community,helping our local familes and businesses,and strengthening Jewish life in Michigan.

To ask questions about our loan fundsor programs, or to donate, please call ouroffice at 248.723.8184, or visit our Website 24 hours a day at www.hfldetroit.org.

Thank you! �

Some time ago, SteveIngber was looking at

various organizationsaround the community for away to give back that wouldutilize his talents and wouldbe a good fit.

“I have four kids andrun a business,” said Steve,“so when I give my timesomewhere, I really dowant it to count. When I was investigatingwhere I could do the most good, I waswalking a fine line between really wantingto do something for the community andalso making sure my commitmentwouldn’t adversely affect my family time.It’s easy to say yes to a good cause, and inour Jewish community there are so manygood causes. I guess we’re lucky that way,but it was a process, looking for that goodfit of purpose and administration. That’show I found Hebrew Free Loan.”

It was while Steve was conversingwith friend and current Board memberJonathan Sterling that he heard about HFL.He heard about it again when speakingwith NEXTGen’s Josh Levine, who sug-gested HFL would probably be the bestmatch for his personality, but there weremore people who wanted to work withHFL than there were spots available.

“Basically, Josh told me not to holdmy breath because the word was out aboutwhat a great place HFL was, and it was arelatively small group,” Steve said. “Themore I looked into it, the better I liked it,and after productive conversations, myname was placed before the nominatingcommittee. I think in many ways, not onlywas HFL a good fit for me, I was also agood fit for HFL’s philosophy and the waythey work.This, for me, was gratification.I really felt, and still feel, that this agencyhelps people without a lot of red tape, andit’s a time-tested system. The documenta-tion is simpler than a bank, and it’s morehuman. They’ve been doing this in essen-tially the same way for generations,because it’s the most efficient way to fund

our community’s needs. It’sdirect, it sets out to dothings one person or onefamily or one business at atime, and it not only getsresults that way, it also getsreturns in the repaymentrates. I talk about the fundrecyling a lot.”

Steve, who is also busyrunning a Southfield-based

auto parts supplier, was tapped to helpwith the Marvin I. Danto Small BusinessLoan Program committee.

“I’ve been in the shoes of some ofthose potential borrowers,” he said. “Iremember clearly how we grew ourselves,and I know it would have been nice tohave had something like this when it wasour turn to answer the questions aboutdirection and investment in our business.

“What people should know about theProgram is that everyone seems to thinkyou must be a start-up to get funding,which isn’t true. What you have to be isJewish, or majority Jewish-owned, with adream and a good plan. That could alsomean you have an existing business thatcould take off if you invest in new technol-ogy, or you could expand in fresh direc-tions with the help of an intrest-free busi-ness loan. So far, we have seen and fundedsuch a variety of businesses in so many dif-ferent segments, but their commondenominator is they are all diamonds inthe rough, and their owners or partnersbelieve in the idea and do their home-work.

“Hebrew Free Loan has been a veryrewarding experience. I enjoy being ableto see people move forward, especiallywhen you can tell people need you, andthey’ve come with their hat in their hand,so to speak. If they had another place togo, if they had another avenue, therewouldn’t still be a need for HFL. Interest-free lending for Jews is a great service, andI think people will always need somonewho believes in them and will invest intheir future.” �

Board Member Perspective:Steven Ingber’s Experience

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Major Donors are the backbone of our agency. Thank you to the individuals, families and foundations below who support our mission.Arevim (Guarantors) Society $250,000 and moreJewish Federation of Metropolitan DetroitMarvin and Betty Danto Family Foundation

Max M. & Marjorie S. Fisher Foundation �Nancy and Stephen GrandDr. Alden M. & Lorraine LeibMurray C. Pitt & Ina C. Pitt Charitable Trust

Mayer, Tillie, Harold and Miriam Sansky Education Fund William Davidson Foundation

Tzedek (Righteousness) Circle $50,000-$99,999Carolyn and James Bellinson �Susan and Sam BernsteinPenny and Harold Blumenstein �Peggy Daitch and Peter Remington �Joanne Danto and Arnold Weingarden �Audrey and William Farber �Goodman Family Charitable Trusts

Clarence and Jack Himmel FoundationD. Dan and Betty Kahn Foundation �Judy and Mark Kahn �Keane Community Crisis FundBarbara and Edward KlarmanJulie and Edward Levy, Jr. FoundationCharles and Florence Milan FoundationJay Must �Mary Must �

Irving and Ethel Palman Foundation �The Rones FoundationRebecca and Gary SakwaMayer, Tillie, Harold and Miriam Sansky Fund �Allison Selko and David BrownsteinMiriam and Jack ShenkmanSherman Family FoundationLawrence Stocker *The Taubman Foundation �

Rahamim (Compassion) Circle $25,000-$49,999Marcia and Eugene ApplebaumHarlene and Henry Appelman �Edie and Steven ArbitBar-Levav Family FoundationR. Edward Berman TrustMandell L. and Madeleine H. Berman FoundationMichele and Mitchell Bleznak �Broder & Sachse Real Estate Services �Natalie and Manny CharachAnnie and Rob Cohen �Beth and David Contorer �Sandy and James Danto �Marjory and Donald Epstein Family Charitable Foundation �Fran and Joseph FetterEdward I. Fleischman Foundation

Aviva and Dean Friedman �Carole and Howard GoldsmithFred* and Elayne Greenspan �Paul and Francine Hack Small Business FundPeter and Shirlye Helman Philanthropic Fund �Hermelin Family Support FoundationHoffert and Babcock Family Fund Ronna and Myles HoffertHilary and Selwyn IsakowRobert B. Jacobs �Barbara and Donald Janower �Kalt Family �Brenda and Morse KaltLydia and Richard KaltPaula and Melvyn Kalt

Sue and Alan J. Kaufman �Hilary and Edan King

Sandy and David Kirsch �Carolyn and Rex LanyiSusie and Scott LeemasterLisa and Hannan LisBeverly and Arthur LissStuart and Deena Lockman Philanthropic Fund �Miriam Mondry TrustSuretta and Alan Must �Harriet and Gregg Orley �Susie and Norm Pappas �George Pevin Foundation �Lori and Maurice Pogoda Philanthropic Fund �Joyce and Donald B. Sherman Family Fund �Susan and Howard Tapper �Barbara and David WallaceHelene Wallace*Andrea and Lawrence Wolfe

Tikvah (Hope) Circle $10,000-$24,999Robert and Marjorie Alpern FoundationMaxine and Laurence BakerNancy and Richard BarrBunny and Sherwin BehrmannLinda and Michael BerkeBerko Zdanowicz Memorial Fund Rachel and Joshua OppererJulie and Allen BermanHadas and Dennis BernardBarbara and Stan BershadPhyllis and Richard BleznakSuzanne and Robert BluesteinHilary and Stuart BormanLisa and Richard Broder

Corinne and Oren Cahlon Kathryn Cannon and Scott BerkSusie and Robert CitrinCohn/Haddow Family FundDavid-Horodoker OrganizationRobert Davis FundAlfred L. and Bernice Deutsch Family FundDr. Mark Diem and Dr. Paul Forman FundCathy and Michael GraubRita HaddowMargot and Jerome HalperinStanley Imerman Memorial FoundationMichelle and Stanley JacobsonRuth KahnMary and Norman KeaneKaren and Michael Kelman

Anessa and David KramerJodie and Steven KrasnickMinkin Family FoundationGeorge NymanJoseph and Suzanne Orley FoundationSally and Graham OrleySigmund and Sophie Rohlik FoundationJanie and Michael* RothPeggy and Mark SafferJanice and Michael SchwartzEllen and David ShermanLenore Deutch Singer and Alan SingerSusan and Robert Sovel Yan and Robert StewartCarolyn and Laurence Tisdale

Tov (Goodness) Circle $5,000-$9,999Marilyn AaronLinda and Allan AdelsonLaurie and Michael BanksKenneth BloomJoyce and George BlumLillian and David BronerGail Danto and Arthur RoffeyDeRoy Testamentary FoundationDusya's Philanthropic FundMary and Jerry EllisDolores and Leonard FarberMarjorie M. Fisher FundAnn and Alan FrankDale and Bruce FrankelStanley and Miriam Friedman Crisis FundDorothy and Byron* GersonNancy Glen and Ralph McDowellLiz Kanter Groskind and Eric Groskind FundRose and David HandlemanDana and Ethan Holtz

Debbie and Alvin IwreyMarjorie and Maxwell Jospey FoundationGayle and Daniel KaplanEsther and Nathan* KatzBabs and Herb Kaufman FundHarvey & Aileen Kleiman Family FoundationDiane and Emery* KleinMichal and Howard KormanLisa and Craig KrumanNancy and Larry* KushkinDouglas C. Lane & Associates, Inc.Emily and Darrin LevinBenard L. Maas FundDana and Scott MarcusNaomi and Lionel MargolickLisa and Jeffery MeyersLinda and Douglas MossmanLombardo and Palazzolo, LLCLutz Family FundRose and Bruce NewmanBenjamin ReifmanMichele and Scott Rosenblum

Karen and Todd SachseKim and Jeff SakwaJudith and Michael Samson Fund for Board and Staff Education

Karen and Robert SchwartzSandra SeligmanMissy and Larry ShaevskyNancy and Sam ShamieStuart ShermanJulie SilverSusan and Howard SmithJanet and Stuart SniderGoldie and Harold Soble FoundationLauren and Jonathan SterlingSupporting Opportunity Support FoundationSusan and Robert WeissRissa and Sheldon WinkelmanHerschey WrotslavskyEsther and Neal ZalenkoJudy and Fred Zwas

Hesed (Kindness) Circle $100,000-$249,999Marlene and Paul Borman �Sandra Davis Education Trust

Frankel Family Barbara Frankel and Ronald Michalak Laurie Frankel Sharon and Herman FrankelNancy and James GrosfeldThe Jewish Fund

Jewish Women’s FoundationMilton & Sylvia Pierce FoundationMilton M. Ratner Foundation �The Ravitz FoundationRosalie and Bruce Rosen �The Sinai Guild �

� Evergreen Legacy Fund Donors Education Fund Donors *of blessed memory

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Tzedek (Righteousness) Circle$50,000-$99,999Louis C. and Edythe B. Blumberg Fund

Dr. Daniel E. Cohn FundHFLA Centennial Endowment Fund

Amy Klein Charitable FundEdward C. Levy Family Fund

Rahamim (Compassion) Circle$25,000-$49,999Sherwin A. Behrmann Campership Loan FundRuth and Nathan Gevercer Endowment Fund

Peter and Shiryle Helman Endowment FundChaim, Fanny, Louis, Benjamin and Anne FlorenceKaufman Endowment Fund

Emery and Diane Klein Business Fund

Benard L. Maas Campership Loan Fund

Tikvah (Hope) Circle $10,000-$24,999Nathan Bielfield Endowment FundRobert M. and Susan R. Citrin FundHarvey A. Deutch Small Business Loan Fund

Catherine F. Ellias Endowment FundHerbert and Adele Goldstein Family FundClarence and Jack Himmel FundRuth and Irwin Kahn Educational Loan FundJulie Levy Fund

Dr. Lawrence and Shirley Loewenthal FundNorman and Susan Pappas Transportation FundJacob and Blanche Rose Endowment FundTillie, Mayer and Harold Sansky Trust FundCalvin and Ruth Simon Scholarship Fund

Tov (Goodness) Circle $5,000-$9,999Norman and Ann Katz Transportation FundHenry and Linda Lee Fund

Arthur and Beverly Liss FundTemple Beth Jacob Celebration FundTemple Beth Jacob Crisis Fund

Steven and Arlene Victor Crisis FundWallace Family FundSanford Winnick Fund

Arevim (Guarantors) Society $250,000 and moreIrving & Shirley Fader Centennial Scholarship Endowment Fund

B E Q U E S T S

E N D O W M E N T F U N D S

We are grateful to the families, trusts and foundations honoring Hebrew Free Loan with testamentary gifts.

Hesed (Kindness) Circle$100,000 - $249,999

William M. Davidson TrustAmy Klein Charitable Remainder Unitrust

Joel E. JacobPamela Torraco

Tzedek (Righteousness) Circle$50,000-$99,999

Gerald H. and Caryn Acker Insurance Fund

Rahamim (Compassion) Circle$25,000 - $49,999

Margot & Jerome Halperin Charitable Remainder Annuity Trust

Lisa and Richard BroderHermelin Family Support Foundation Insurance

Tov (Goodness) Circle$5,000 - $9,999

Anita and Dr. Harvey Zalesin

Hebrew Free Loan gratefully acknowledges the following Evergreen Legacy Fund donors:

AnonymousCarolyn and James BellinsonMichele and Mitchell BleznakPenny and Harold BlumensteinMarlene and Paul BormanBroder & Sachse FundAnnie and Rob CohenBeth and David ContorerPeggy Daitch and Peter Remington

Joanne Danto and Arnold Weingarden

Sandy and James DantoMarjory and Donald EpsteinFamily Charitable Foundation

Audrey and William FarberMax M. and Marjorie S. FisherFoundation

Aviva and Dean FriedmanFred (z’l) and Elayne GreenspanPeter and Shirlye HelmanPhilanthropic Fund

Robert B. JacobsBarbara and Donald JanowerD. Dan & Betty Kahn Older Adult Care Loan FundJudy and Mark Kahn

Charles and Pearl Kalt Memorial Fund

Sue and Alan J. KaufmanSandy and David KirschStuart and Deena LockmanPhilanthropic Fund

Alan and Suretta MustJay MustMary MustHarriet and Gregg OrleyIrving and Ethel PalmanFoundation

Susie and Norm PappasGeorge Pevin FoundationLori and Maurice PogodaMilton M. Ratner FoundationRosalie and Bruce RosenMayer, Tillie, Harold and Miriam Sansky Fund

Joyce and Donald ShermanThe Sinai Guild Dental FundThe Sinai Guild Medical FundSusan and Howard TapperThe Taubman FoundationRuth & Sanford Winnick FundYoung Israel of Southfield

An Evergreen Legacy Fund (ELF) is aunique opportunity to contribute toHebrew Free Loan, and also have the

benefit of easy-to-digest annual reports onyour contribution, detailing where yourmoney is going. Donations of $25,000, orpledges of $5,000 per year over a five-yearperiod, give you the ability to see howHFL lends within our community, how theloans are repaid, and repackaged into newloans.

If you or someone you know would beinterested in discussing the benefits of anELF, please contact David Contorer at248.723.8184 or dcontorer@hfldetroit.org.

Donations listedinclude those madeOctober16, 2014through April 12, 2015

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Donations listedinclude those madeOctober 16, 2014through April 12, 2015

THANK YOU to our valued FRIENDS donors. Your contribution of $180 or more is recognized in oursemi-annual newsletters, and in our annual High Holiday ad.

*of blessed memory

Judith and Joshua AdlerHarlene and Henry AppelmanEdie and Steve ArbitCindy and Howard BabcockMaxine and Larry BakerLaurie and Michael BanksLisa and Andrew BarbasBar-Levav Family FoundationAnita and Donald BaronNancy and Richard BarrBunny and Mickey BehrmannCarolyn and Jim BellinsonLinda and Michael BerkeJulie and Allen BermanMandell and Madeleine Berman Foundation

Susan and Sam BernsteinBeth Israel CongregationMichele and Mitchell BleznakJoyce and George BlumNancy and Larry BluthMarlene and Paul BormanIna and Keith BornsteinMindy and Art BrickerLisa and Terry BrickmanBroder & Sachse Real Estate Services, Inc

Stacy and Jeffrey BrodskyLily and David BronerLeslie and Mitchell BrownLisa and Howard BrownHeidi and Jeff BudajMaxine and Bob CarsonLynda and Ron CharfoosAnnie and Rob CohenIna CohenNita and Allan CohenDebbie and Andy ColmanBeth and David ContorerPeggy Daitch and Peter RemingtonGail Danto and Art RoffeyJoanne Danto and Arnold WeingardenMarvin and Betty Danto Family Foundation

Sandy and Jim DantoDavid-Horodoker OrganizationWilliam Davidson FoundationLisa and Loren DicksteinStacy and Andrew DoctoroffBev and Bob DovitzLinda Dresner and Ed LevyAmy and Steve DunnJan and Marc Dunn

Dusya's Philanthropic FundShelley and Michael EizelmanMary and Jerry EllisMarjory and Donald Epstein Family Charitable Foundation

Amy and Eric ErsherLaurel and Mark FelsenfeldFran and Joe FetterNeil FetterPam and Walter FeuereisenMax M. & Marjorie S. FisherFoundation

Peggy and Dennis FrankBarbara Frankel and Ronald MichalakDale and Bruce FrankelMaxine and Stuart FrankelFoundation

Aviva and Dean FriedmanMichelle and Jeff GilbertSherri and George GlassmanNancy Glen and Ralph McDowellCathy and Larry GoldbergMarilyn and Darryl GoldbergNancy and Lary GoldmanCarole and Howard GoldsmithGoodman Family Charitable TrustsBarbara GrantCathy and Michael GraubElayne GreenspanDavid GumenickSusan and Sam GunBarbara and Stephen GutmanRita C. & John M. Haddow Support Foundation

Kathy and Steven HadesmanRose and David HandlemanHarvey & Aileen KleimanFamily Foundation

Jane and Andy HauserMichelle and Joel HechlerGail and Mark HennesSue and Ron HodessRonna and Myles HoffertDana and Ethan HoltzJill and Steve IngberRachel and Jerry IngberCarolyn and Howard IwreyDebbie and Alvin IwreyArnold JacobDonald & Barbara Janower DAFMarjorie and Maxwell JospeyFoundation

D. Dan and Betty Kahn Foundation

Judy and Mark KahnPaula and Melvyn KaltCarol KandelFaye and Austin KanterNanci and Mitch KantorLauren KaplanLibby and Dave KaplanSue and Alan KaufmanSherri and Jim KetaiSandy and David KirschBarbara and Ed KlarmanMichelle and Robert KleimanDiane KleinJason KleinJackie and Larry KraftAnessa and David KramerBarbara and Michael KratchmanLisa and Craig KrumanCarol and Steve LashHenry LeeCathi and Neil LeftonDr. Alden M. & Lorraine LeibPhilanthropic Fund

Emily and Darrin LevinJennifer and Steven LewisBeverly and Arthur LissMarsha LynnRenee and Burt* MahlerDana and Scott MarcusMark-Lis Philanthropic FundRobert MatthewsGail MayerLisa and Jeff MeyersBeth and Jason MillerBarbara and Larry MillmanMinkin Family FoundationJay MustAnita and Robert NaftalyAbbey and Ken NathanSondra and Bennett NathanDiane and Randy OrleyHarriet and Gregg OrleyIrving and Ethel Palman FoundationSusie and Norm PappasDonna PearlmanMarianne and Jerome PesickSylvia Pevin & George PevinFoundation

Milton & Sylvia Pierce FoundationAnn and Jon PodolskyLori and Maurice PogodaMilton M. Ratner FoundationJon Reifler

Aviva and Jack RobinsonSusan and Robert RollingerLinda and Barry RosenbaumHelene and Ronald RothenbergLynn and Harvey RubinKaren and Todd SachsePeggy and Mark SafferDaniella SaltzJudy and Michael SamsonSchostak Family Support FoundationAllison Selko and David BrownsteinShirley and Jerry ShagrinNancy and Sam ShamieNorma and Mitch ShekEllen and David ShermanJoyce and Don ShermanSherr Charitable Gift AccountFranci and Larry SilverKeith SimmonsEsther and Don SimonNancy and Alan SimonsAimee and Richard SimtobLenore Deutch Singer and Alan SingerSusan and Howard SmithSharon and Andrew SpilkinEdward SteinLauren and Jonathan SterlingJanet and Ronald StroteDebra and Jeffrey SupowitThe Supporting Opportunity SupportFoundation

Elaine SurnowLeora and Mark TapperSusan and Howard TapperIlene and David TechnerAndrea and Rob TeitelTemple IsraelEllen TennerCarolyn and Larry TisdaleBarbara and David WallaceRodger & Loree WassermanPhilanthropic Fund

Gwen and Evan WeinerJodi and Rob WeinfeldRita and Art WeinfeldKaren and Steve WeissLinda and Marty WeitzStanley & Margaret WinkelmanSupport Foundation

Sheryl WolbergAndi and Larry WolfeMargie and Josh YakerBarbie and Ira Zaltz

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Kari and Ed AltermanIn honor of Dr. Louis Soverinsky’s special birthday

Betsy Appleton and Eric Zuckerman

In memory of Monnie Weingarden

Estelle BabitchIn honor of Bernard Talon’s 90th birthday

In honor of Cora Federman’s recoveryIn memory of Arlene MarinIn memory of Ruth Levi

Laurie and Michael BanksIn memory of Dr. Irwin Phillips

Anita and Don BaronIn memory of Michael Roth

Nancy and Richard BarrIn memory of Dr. Charles Tenner

Elaine and Alan BelkinIn honor of Jamie Trepeck becominga Bat Mitzvah

In honor of Jane Hooberman becoming a Bat Mitzvah

In honor of Marlee Hoobermanbecoming a Bat Mitzvah

In memory of Allan PearlmanIn memory of Harold Lambert

Bea BergIn honor of David Contorer

Linda and Michael BerkeIn honor of Dr. David Kirsch’s speedyrecovery

In honor of Henry Leopold’s speedyrecovery

In memory of Berta MeyersonMolasky

In memory of Dr. Charles TennerIn memory of Dr. Lawrence KrugelIn memory of Grace NaftalyIn memory of Jay ContorerIn memory of Norman GoldmanIn memory of Norman Rosenfeld

Gail and Lawrence BerkoveIn honor of Shlomo Sperka’s speedyrecovery

Cheryl and Arnie BerlinIn honor of Debra Langer and Don Berlin

In honor of Ellen and Rick KroopnickIn honor of Rachel and Steve RaimiIn honor Susan and Howard TapperIn memory of Jay Contorer

Barbara and Stan BershadIn honor of Richard Bernstein’s election to the Michigan SupremeCourt

In memory of Bernice Borin Boorman

Michele and Mitchell BleznakIn honor of Kathy and MichaelLaffer’s son’s upcoming marriage

In honor of Elyse Schostak’s specialbirthday

In honor of the birth of Leora andMark Tapper’s daughter, Adi Maya

In memory of Dr. Charles TennerIn memory of Paul Hoberman

Bobbie and Donald BlitzIn honor of Gerry Granadier’s birthday

Marlene and Paul BormanIn honor of Graham Orley’s 90th birthday

In honor of Nancy and Jim Grosfeld

Nancy and Phillip BortmanIn memory of Bette BorinIn memory of Dana Saulles GibsonIn memory of Dr. Lawrence KrugelIn memory of Edna MinkinIn memory of Howard GellerIn memory of Dr. Lawrence SingerIn memory of Louis Parr

Joan BrawerIn honor of Miriam Colburn’s birthday

Lisa and Richard BroderIn honor of Adam Karp becoming aBar Mitzvah

In memory of Aaron KraftIn memory of Bonnie MichelsonIn memory of Dr. Charles TennerIn memory of Raymond GalperIn memory of Marvin Fullett

Deena CanvasserIn honor of Annie and Rob Cohen’s45th anniversary

In memory of Edna ChosidIn memory of Sylvia Harvith

Annie and Rob CohenIn honor of Don Baron’s special birthday

In honor of Earle Erman’s 65th birthday

In honor of Irv Glasser’s 100th birthday

In honor of Jane Hooberman becoming a Bat Mitzvah

In honor of Marlee Hoobermanbecoming a Bat Mitzvah

In honor of Jennifer and BrianSchwartz’s marriage

In honor of Judi and Brad Schram’s40th anniversary

In honor of Mark Hauser’s speedyrecovery

In honor of Melissa Levy and RyanLien’s marriage

In honor of Michael Goldman’s specialbirthday

In honor of Richard Tischler’s 100th birthday

In honor of Danielle Lutz becoming a Bat Mitzvah

In memory of Arnold AronoffIn memory of Bernice Borin BoormanIn memory of Bette BorinIn memory of Edna MinkinIn memory of Harold LambertIn memory of Nadine TackIn memory of Sharon RakotzIn memory of Stanley SnitzIn memory of Sybil MarkowitzIn memory of Sylvia HarvithIn memory of Sherry’s and AbeSinger’s nephew, Avi

Miriam ColburnIn memory of Edna MinkinIn memory of Bernice Borin BoormanIn memory of Carol IsaacsonIn memory of Dr. Morton LazarIn memory of Harold BrodeIn memory of Ida BaderIn memory of Monnie WeingardenIn memory of Selma SchwartzIn memory of Sylvia Harvith

Beth and David ContorerIn honor of Henry Leopold’s speedyrecovery

In honor of Lisa and Loren Dickstein’smarriage

In honor of Margo Rosenthal’s speedyrecovery

In honor of Rochelle Katz-Freeman’shelp

In honor of Richard Bernstein’s electionto the Michigan Supreme Court

In honor of the birth of Leora andMark Tapper’s daughter, Adi Maya

In honor of the birth of Marianne andDan Weingarden’s granddaughter,Ella

In honor of the birth of Rabbi Danieland Elana Schwartz’s daughter,Jenna Elyse

In honor of the birth of Barbara andDavid Wallace’s grandson, AlexRyan Wallace

In honor of the birth of Heidi and JeffBudaj’s grandson, Grayson EdwardChatfield

In honor of the birth of Nikki Budajand Jim Chatfield’s son, GraysonEdward

In honor of Robin and Lee Trepeck’sdaughter, Jamie, becoming a BatMitzvah

In honor of Rich Katz and LucieCluver’s engagement

In honor of Naomi Silverman andCheryl Fluegge

In memory of Abraham GamerIn memory of Allan PearlmanIn memory of Bernice FriedmanIn memory of Carl LippittIn memory of Dr. Charles TennerIn memory of Dr. Lawrence KrugelIn memory of Henry StarkmanIn memory of Janet Karp RechtIn memory of Jeffrey SurnowIn memory of June DavidsonIn memory of Leon “Skippy” WarnerIn memory of Marguerite Cohen-Simtob

In memory of Marvin ShwedelIn memory of Rabbi MenachemGottesman

In memory of Shirley Scheinker

Beverly and Bob DovitzIn honor of Bob Canvasser’s 90thbirthday

In honor of Bobbie Miller’s 90th birthday

In honor of the birth of Lenore andAlan Singer’s granddaughter,Harvee Isla Deutch

In honor of the birth of Lindsey andJordan Wagner’s son, Nathan Eric

In memory of Allan PearlmanIn memory of Charles PerlmanIn memory of Dr. Charles TennerIn memory of Edna MinkinIn memory of Esther KatzIn memory of Ida BaderIn memory of Richard MonashIn memory of Ruth MiddlemanIn memory of Shirley FinkIn memory of Sonia Garfield

Jean and Howard DubinIn honor of Annie and Rob Cohen’s45th anniversary

Jan and Marc DunnIn memory of Harriet SklarIn memory of Raymond Galper

Cathy and Bill EisenbergIn honor of Sheldon Baskin’s speedyrecovery

In honor of the birth of Janice andMichael Salter’s granddaughter,Liora Salter

THANK YOU to our TRIBUTE donors. We appreciate the support and generosity of individuals andorganizations in our community.

Tributes listed were received between October 16, 2014 and April 12, 2015

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sIn memory of Barbara RaimiIn memory of Dana Saulles GibsonIn memory of Dolores WolffIn memory of Dr. Lawrence SingerIn memory of Edna MinkinIn memory of Evelyn PieletIn memory of Isaac RadzinskiIn memory of Joyce SakwaIn memory of Pearl LeinoffIn memory of Ruth MiddlemanIn memory of Stanley Snitz

Shelley and Michael EizelmanIn memory of Amalia KreschIn memory of Amy SingerIn memory of Dr. Lawrence KrugelIn memory of Edward GordonIn memory of Elfriede GlancyIn memory of Grace NaftalyIn memory of Marc EizelmanIn memory of Marvin ShwedelIn memory of Paul HobermanIn memory of Paula UrbackIn memory of Rabbi ShlomoRothenberg

In memory of Rachel MaiselIn memory of Sara MansonIn memory of Toby Davis

Amy and Eric ErsherIn memory Anna GarfieldIn memory of Sherwin Schreier

Pam and Walter FeuereisenIn honor of Graham Orley’s 90thbirthday

Maddie and Sid ForbesIn honor of Andrea Hurwitz’s specialbirthday

In honor of Ron Hurwitz’s specialbirthday

Lisa and Kenneth FoxIn honor of Steve Arbit and Family

Aviva and Dean FriedmanIn memory Arnold Aronoff

Beth GansIn honor of Michele and MitchellBleznak

Roslyn GarberIn memory of Irving Jaffee

Elizabeth and Mark GenettiIn honor of Beth and Jason MillerIn honor of Rachel and MarkBernstein

In honor of Richard BernsteinIn honor of Susie and Sam Bernstein

Barbara GoldmanIn honor of Brian Young’s40th birthday

Edie GoldmanIn memory of Jeffrey AdelmanIn memory of Marvin Shwedel

Carole and Howard GoldsmithIn honor of Evelyn and HarveyGoldsmith’s 65th anniversary

Adele GoldsteinIn memory of Shirley Croogloff

Iris and Stuart GoldsteinIn memory of Bette BorinIn memory of Sylvia Harvith

Eileen and Gerald GranadierIn honor of Linda Soberman’s specialbirthday

In memory of Harriet SklarIn memory of Paul HobermanIn memory of Dr. Charles Tenner

Julie and Robert GreenfieldIn memory of Esther Achtman

Elayne GreenspanIn honor of Bobbie Miller’s 90th birthday

In honor of Miriam Colburn’s birthday

Lori GreyIn honor of Stuart Borman for being amensch

Elissa GrossmanIn memory of Leo Keeps

David GumenickIn honor of Richard Bernstein’s electionto the Michigan Supreme Court

Kathy and Steve HadesmanIn honor of Michele and MitchellBleznak

In honor of Bruce Milen’s speedyrecovery

Jane and Andrew HauserIn memory of Shirley Fink

Rose and David HandlemanIn honor of Bruce Milen’s speedyrecovery

In honor of Gaal Karp’s special birthday

In honor of Linda Deutch’s specialbirthday

In memory of Bert LivingstonIn memory of Berta MolaskeyIn memory of Charlotte LevendoskyIn memory of Dolores WolffIn memory of Hal LambertIn memory of Rosalind KrasneyIn memory of Selma Schwartz

Rachel and Gerald IngberIn memory of Richard Radner

Deborah and Alvin IwreyIn honor of Dr. David Kirsch

Marjorie and Maxwell JospeyFoundation

In honor of Bob BluesteinIn honor of Kevin LaPlena

Sarah and Brian KaltIn memory of Dr. Lawrence Krugel

Barbara and Alan KaplanIn honor of Annie and Rob Cohen’s45th anniversary

In memory of Annabel ChaikinIn memory of Bette BorinIn memory of Ida BaderIn memory of Pearl Sharfman Leinoff

Lauren and Jeff KatkowskyIn honor of Richard Canvasser’s 70th birthday

Susie and Harry KatkowskyIn memory of Dr. Charles TennerIn memory of Dr. Lawrence KrugelIn memory of Leon WarnerIn memory of Selma Schwartz

Naomi KatzIn memory of Mina LisIn memory of Sonia Glaser

Sue and Alan KaufmanIn memory of Dr. Lawrence Singer

Sandy and David KirschIn memory of Dr. Charles TennerIn memory of Elfriede GlancyIn memory of Jeffrey SurnowIn memory of Joyce Sakwa

Michelle and Robert KleimanIn honor of Lisa and Gary Shiffmanand Family

In honor of Marcie and Rob Orleyand Family

In honor of Shelley and Joel Tauberand Family

In honor of Nancy Lefkowitz’s specialbirthday

In honor of the birth of Lauren andRyan Strickstein’s daughter,Lainie Joanna

In honor of the birth of Cheryl andSteve Schanes’ granddaughter,Lainie Joanna Strickstein

In honor of the birth of Joanie andJohn Hamburger’s twin grandchil-dren, Julianna and Tyler Litwin

In memory of Jeffrey SurnowIn memory of Marvin FullettIn memory of Raymond Galper

In memory of Sara MansonIn memory of Selma Schwartz

Diane KleinIn honor of Dr. Bradley Sabin andFamily

Susan KonopIn memory of Alice RossIn memory of Samuel Deutch

Sarah and Neal KrasnickIn memory of Alvin SchultzIn memory of Milton Lisner

Rosanne and Thomas KukesIn memory of Monnie Weingarden

Barbara and Sheldon LarkyIn memory of Wells “Skip” Snover

Cathi and Neil LeftonIn honor of Cheryl Kirsch’s speedyrecovery

In honor of Helena Bartholomew’sspeedy recovery

In honor of Lee Saline’s 80th birthdayIn honor of Max Munchnick becominga Bar Mitzvah

In honor of Richard Cherkasky’s special birthday

In honor of Ross Fridson’s speedyrecovery

In honor of Michael Schneider’s marriage to Perri Kofkin

In memory of Barbara RaimiIn memory of Bette BorinIn memory of Dana Saulles GibsonIn memory of Edna MinkinIn memory of Frank SummersIn memory of Geraldine “Gerry” LevyIn memory of Joe SchwartzIn memory of Louis ParrIn memory of Marvin ShwedelIn memory of Rhoda Gross RapoportIn memory of Ruby TompkinsIn memory of Sara MansonIn memory of Selma SchwartzIn memory of Sharon RakotzIn memory of Stanley Snitz

Dana and Joel LetvinIn memory of Helen ReismanIn memory of Morris KimmelIn memory of Rabbi SolomonRothenberg

In memory of Sara MansonIn memory of Yehuda Elchonen

Phyllis and Gary LevittIn memory of Richard Monash

Linda and Ken LipsonIn honor Manny Kalef’s 85th birthday

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Beverly and Arthur LissIn honor of Jamie Trepeck becominga Bat Mitzvah

In honor of Dani Lutz becoming a Bat Mitzvah

In honor of Mark Hauser’s speedyrecovery

In honor of Susie Citrin’s speedyrecovery

In memory of Bernice Borin BoormanIn memory of Bette BorinIn memory of Charles PerlmanIn memory of Dr. Irwin PhillipsIn memory of Gertrude SilverIn memory of Grace NaftalyIn memory of Henry UpfallIn memory of Ida BaderIn memory of Jeffrey SurnowIn memory of Marvin ShwedelIn memory of Norman RosenfeldIn memory of Pat JacobIn memory of Selma SchwartzIn memory of Sherwin Schreier

Sandra LynessIn memory of Isaac RadzinskiIn memory of Marian “Mickey”Pelzner Lipshaw

Joan and Douglas MannIn honor of Dr. David Kirsch

Beth and Steve MargolinIn honor of Hilda Fortgang’s speedy recovery

Robert MatthewsIn honor of Sandra Matthews

Gail MayerIn memory of Henry RaiberIn memory of Lottie GellermanIn memory of Marvin GersukIn memory of Norman GoldmanIn memory of Norman RosenfeldIn memory of Shirley Scheinker

Lynn MedowIn honor of Dr. David Kirsch’s supportand generosity

Carol MeizelsIn memory of Alan Greenfield

Marion and Richard MenczerIn honor of Jenna Silverman becom-ing a Bat Mitzvah

In honor of the birth of Cheryl andSteve Schanes granddaughter,Lainie Joanna Strickstein

MI Associates of Acupunctureand Integrative Medicine

In memory of Herbert BergerIn memory of Norman Goldman

Jackie and Myron MilgromIn honor of Louis Milgrom’s 93rd birthday

Beth and Jason MillerIn honor of Amy Kay’s 30th birthdayIn honor of Adam Kay’s 30th birthdayIn honor of Rachel Bendit’s 40th birthday

Bobbie MillerIn memory of Allan Pearlman

Karen and Richard MinkinIn memory of Jack Perlmutter

Sandra and Robert MoersIn honor of Fran and Paul Hack

Esther MorrisonIn honor of Penny Blumenstein’s 75th birthday

Abbey and Ken NathanIn honor Michele and MitchellBleznak’s dedication to HFL

Diane and Randy OrleyIn honor of Graham Orley’s 90th birthday

Harriet and Gregg OrleyIn honor of Bobbie Gordon’s specialbirthday

In honor of Rob Gordon’s specialbirthday

In honor of Dr. Jeff Forman’s birthday

In honor of Fern and Brian Kepes’25th anniversary

In honor of Susan Slabotsky’sbirthday

In memory of Arnold AronoffIn memory of Bernice “Sis” BirnkrantIn memory of Dr. Charles TennerIn memory of Harriet SklarIn memory of Norman GoldmanIn memory of Rose Resnick

Sally and Graham OrleyIn memory of Leo KeepsIn memory of Melvyn Stollman

Susie and Norm PappasIn honor of Spencer Klein becoming a Bar Mitzvah

In honor of Susie Citrin’s speedyrecovery

In honor of Wendy Hamburger’sspeedy recovery

In honor of Blake Zamler becoming a Bar Mitzvah

In honor of Jan and Mark Hausergrandson, Josh, becoming a BarMitzvah

In memory of Allan PearlmanIn memory of Bernice Borin Boorman

In memory of Dr. Lawrence KrugelIn memory of Grace NaftalyIn memory of Ida BaderIn memory of Joyce SakwaIn memory of Melvyn StollmanIn memory of Rabbi MenachemGottesman

In memory of Richard MonashIn memory of Virgil Shough

Bobbie PattIn honor of Joseph Ryne Fishkindbecoming a Bar Mitzvah

Lisa PernickIn honor of Carolyn Tisdale’s birthday

Eileen and Richard PolkIn memory of Norman WachlerIn memory of Richard Radner

Susan and Leonard PollackIn memory of Zalman Stone

Helen PregulmanIn honor of Barbara FeldmanIn honor of Paul Borman

Judith PrimakIn honor of Annie and Rob Cohen’s45th anniversary

Iris and Fred RadnerIn memory of Earl SilvermanIn memory of Ellen and Alan Reback’sfather

In memory of Sarah Cwagenberg

Hermaine and Harvey RaimiIn memory of Bette BorinIn memory of Edward Braver

Barbara and Daniel RedstoneIn memory of Ruth Redstone

Aviva and Jack RobinsonIn honor of Michael Berke’s dedica-tion to HFL

Gladys and Larry RockindIn honor of Larry Coe’s speedy recovery

Leslie and Dennis RogersIn memory of Freda Freeman

Suzanne RosenIn memory of Jack Malin

Linda Regina RothIn honor of Amanda Fleischman andJoshua Kellerman's engagement

In honor of Jenifer Colburn andWilliam Schoenbach's engagement

In honor of Dr. Charles Feinman’sspeedy recovery

In memory of Dr. Richard Merkle

Dale and Jerry RubinIn honor of the birth of Barbara andDavid Wallace’s grandson, AlexRyan Wallace

Karen and Todd SachseIn memory of Paul HobermanIn memory of Rabbi MenachemGottesman

Meryl and Marc SakwaIn honor of Michele and MitchellBleznak

Liz and Steve SchubinerIn memory of Paul HobermanIn memory of Sam Divak

Cindy and Mel SchwartzIn honor of the birth of Barbara andDavid Wallace’s grandson, AlexRyan Wallace

Jane and Richard SchwartzIn memory of Jeffrey SurnowIn memory of Selma Schwartz

Janice and Michael SchwartzIn memory of Geraldine Warshawsky

Sandy and Alan SchwartzIn honor of the marriage of Jacquiand Larry Elkus’ daughter, Lauren

Bette and Avery ShapiroIn memory of Denny AbelsIn memory of Harold Brode

Ellen and David ShermanIn memory of Dr. Charles Tenner

Lois ShiffmanIn memory of Rema Burk

Roger SiegelIn memory of Bucky ShewitzIn memory of Marvin Shwedel

Lenore and Alan SingerIn honor of the birth of our grand-daughter, Harvee Isla Deutch

In honor of the birth of Joan and BobEpstein’s grandson, Lev Tepper

In honor of Max Munchnick becominga Bar Mitzvah

In honor of Richard Tischler’s 100th birthday

In honor of Shel Kaftan’s special birthdayIn honor of Rachel Wright and Levi Strauss’ marriage

In honor of Valerie and AdamMilgrom’s marriage

In memory of Alan WassermanIn memory of Bette BorinIn memory of Dr. Charles TennerIn memory of Edna MinkinIn memory of Gordon Gold

Tha

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ors

In memory of Hal LambertIn memory of Isaac RadzinskiIn memory of Jeffrey SurnowIn memory of Joe PendoIn memory of Louis ParrIn memory of Norman GoldmanIn memory of Raymond GalperIn memory of Richard MonashIn memory of Selma SchwartzIn memory of Sonia GlaserIn memory of Stanley SnitzIn memory of Sylvia Harvith

Linda SingerIn memory of Doris Novetsky

Joan and Louis SlykerIn honor of Peggy Daitch and Peter Remington

Ann and Richard SmittIn honor of Miriam Colburn’s birthday

Ella and Vitaly SoskinIn memory of Emily Tarakanova

Cyd StoneIn memory of Pauline Forman Robb

Elaine Surnow and FamilyIn honor of Cooper Street Cookies

Julie and Mark TeicherIn honor of The Klein Family

Andrea and Rob TeitelIn memory of Dr. Richard MerkleIn memory of Lenny Thal

Barbara and David WallaceIn honor of Valerie Efros and AdamMilgrom’s marriage

In memory of Dr. Charles Tenner

Henrietta WeinbergIn memory of Hilda Raskin

Susan and Terry WeingardenIn memory of Grace Naftaly

Marilyn and Cliff WeisbergIn honor of Dr. Jeffrey Trager’sspeedy recovery

Susan and Michael WeisenfeldIn honor of Dr. Murray Kling’s speedyrecovery

Karen and Steven WeissIn honor of Michele and MitchellBleznak

Linda and Steve WeissIn memory of Harold WitIn memory of Selma Schwartz

Linda and Marty WeitzIn honor of Aria Oleshansky becoming a Bat Mitzvah

In honor of the birth of Janice andMichael’s Salter’s granddaughter,Liora Salter

In honor of the birth of Lenore andAlan Singer’s granddaughter,Harvee Isla Deutch

In honor of the birth of Denise andElliott Parr’s grandson, Ryder Kwiat

In memory of Barbara RaimiIn memory of Dr. Lawrence SingerIn memory of Isaac RadzinskiIn memory of Jeffrey SurnowIn memory of Louis ParrIn memory of Richard MonashIn memory of Ruth Middleman

Sheryl WolbergIn memory of Richard Radner

Margie and Josh YakerIn memory of Richard Radner

Esther and Carlito YoungIn memory of Seymour Stone

Susan and Jeffrey YoungIn honor of Bobbie Miller’s 90th birthday

NAMED FUNDSDAITCH – REMINGTON FUNDPeggy Daitch and Peter Remington

In honor of the birth of Leora andMark Tapper’s daughter, Adi Maya

In memory of Dr. Charles TennerIn memory of Grace Naftaly

HAROLD FORTGANGEDUCATION FUND

Harriet and Gregg OrleyIn honor of Doreen HermelinIn honor of Rick Zussman’s 60thbirthday

Hilda FortgangIn memory of Harriet SklarIn memory of Sidney Gold

HOFFERT AND BABCOCKFAMILY FUND

Ronna and Myles HoffertIn honor of Didi Cohen’s speedyrecovery

In memory of Ben BraikerIn memory of Bette BorinIn memory of Dr. Scott OsterIn memory of Ethel LastIn memory of Jack PerlmutterIn memory of John DarakjianIn memory of Louis ParrIn memory of Selma SchwartzIn memory of Sidney BarbasIn memory of Sylvia Harvith

Hebrew Free Loan’s William Davidson Jewish College Loan Program provides interest-free college andgraduate school loans to Jewish students across the State of Michigan. For a minimum gift of $10,000,you may establish a higher-education fund as part of this program. We are pleased to list the

following funds that have contributed:

Lili and Baruch Cahlon Education FundWilliam Davidson Foundation Education Fund

Sandra Davis Education FundHarold Fortgang Education Fund

Babs and Herb Kaufman Education FundDr. Alden M. & Lorraine Leib Medical/Dental Education Fund

Mayer, Tillie, Harold & Miriam Sansky Education FundRobert and Susan Sovel Education Fund

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PRESIDENTMichael E. Berke*

VICE PRESIDENTSHarriet Orley

Jay MustCarolyn Bellinson

TREASURERDr. Allen Berman

SECRETARYMichael Graub

DIRECTORSRichard BarrDavid Broner

Howard BrownNita Cohen

Joanne DantoSandy Muskovitz Danto

Jan DunnDr. Jonathan Fellows

Aviva FriedmanSusan HodessEthan Holtz

Steven IngberSue Ellen Kaufman

Sherri KetaiDavid Kramer*

Ralph McDowellDr. Jeffery Meyers

Susie PappasLori Pogoda

Benjamin ReifmanEllen Sherman

Jonathan Sterling*David TechnerAndrea Teitel

Carolyn Tisdale*Pamela Torraco

Andi WolfeMargie Yaker

*Executive Committee Members

PAST PRESIDENTSMichael Banks

Sherwin A. BehrmannMarlene BormanRichard BroderRobert CitrinPeggy DaitchLaurie Frankel

Paul HackGraham Landau

Henry P. LeeHenry LeopoldArthur Y. Liss

Robert SchwartzStuart ShermanStuart J. Snider

HONORARY LIFE MEMBERSSam BernsteinStan Bershad

Mary S. KeaneDr. David Kirsch

Rex LanyiJohn Nemon

Joyce ShermanDavid Wallace

ADVISORY COMMITTEEMichele Bleznak

Annie CohenDebbie ColmanLoren Dickstein

Amy ErsherVladimir Gendelman

Joel HechlerScott Rosenblum

Karen SachseDr. Mitchell ShekDr. Alan SimonsSheryl Wolberg

NEXTGEN LIAISONLeora Tapper

EXECUTIVE DIRECTORDavid C. Contorer

HFL OFFICERSAND DIRECTORS

When yourf a v o r i t erestaurant

receives a 4-starrating, it meansthat every part ofthe dining experi-ence will be out-standing. Whenthe independentgroup, CharityNavigator, pro-vides a 4-star rating to a charitable (socialimpact) organization, a donor knows that thisagency is using its dollars in the most efficientand effective ways to accomplish the missionwith transparent, best operating practices.Hebrew Free Loan (HFL) is proud to haveachieved a 4-star rating on CharityNavigator, and here are four reasons why thisrating should be of interest to you.

Fiscal responsibility means that HFLmeticulously guards our donated and granteddollars and applies them towards necessaryagency expenses and loan capital every year.We efficiently operate the agency while pro-viding interest-free loans to help Jews acrossMichigan with an aggregate 98.5 percentrepayment rate. HFL is guided by a veryhands-on, conscientious Board of Jewishcommunity leaders, in partnership with ourdedicated staff. We closely watch everypenny and communicate with every loan bor-rower and/or cosigners to be repaid the out-standing dollars that HFL provides toimprove lives.

Transparency speaks to HFL’s openfocus for all to see how we run the agency,following the best practices as defined bySarbanes-Oxley guidelines for processes and

procedures and under the guidance of ourauditors, from whom HFL has received per-fect reviews in each and every year. CharityNavigator now also provides an annualreview of HFL for anyone to read on theirweb site at www.charitynavigator.org.

Policies and procedures to protectdonors, loan borrowers and employees arecritical to Charity Navigator and to HFL.You will find links at the bottom of everypage on HFL’s web site, outlining our poli-cies for donor privacy, document retentionand destruction, whistleblower protectionand CEO compensation. We run HFL withthe top levels of ethical administration andregulation, so donors should feel confidentwith every dollar they send to our agency.

Efficiency in carrying out HFL’sexpanding mission is a key element in theagency’s ability to expand to now providemore than $3 million per year in personal,educational and small business loans to morethan 600 Jewish Michigan residents throughour core loans, the William Davidson JewishCollege Loan Program and the Marvin I.Danto Small Business Loan Program. HFL’scommitment to efficiency means that donateddollars are supporting our expanded out-reach, marketing and increased loan portfolioto allow HFL to help a larger number ofinterest-free loan recipients each year—inalmost every category.

I am proud beyond words to be thedirector of this outstanding agency. I loveseeing the following, brightly colored, 4-starCharity Navigator logo each day, knowingthat this top assessment should ensure for allof HFL’s donors and stakeholders that wecontinue our 120 year mission with theutmost in integrity and efficiency. �

T H E L A S T W O R D

HFL Earns Charity Navigator 4-Star Rating

Executive Director David Contorer

6735 TELEGRAPH ROAD • SUITE 300BLOOMFIELD HILLS, MI 48301-3143

NON-PROFIT ORGUS POSTAGE

PAIDPERMIT NO. 697ROYAL OAK, MI

Each spring, Hebrew Free Loan Board members meet to review policies and discuss potential borrower scenarios. During this year’s role-playingsessions, the Board was divided into small work groups and asked to consider questions regarding loan policies from both the lender perspectiveand the borrower perspective. The goal of these educational sessions is to further refine the agency’s lending policies and give our Board membersperspective on the nuances of borrowing from Hebrew Free Loan. Our philanthropy also continued outside of the meeting with donations of gently-used mens’ and womens’ business attire to Jackets for Jobs.

HFL’s Board Development and Education Event