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PENSION NEWS

RETIREMENT BOARDEx-Offi cio Members Elected MembersCharles Stewart III, First Deputy Fire Commissioner, Vice-President Michael J. Shanahan, PresidentKurt A. Summers Jr., City Treasurer Anthony R. Martin, SecretaryDaniel Widawsky, City Comptroller Timothy J. McPhillips, Active MemberSusana Mendoza, City Clerk of Chicago Daniel A. Fortuna, Annuitant Member

FROM THE SECRETARY ANTHONY R. MARTIN

PUBLICATION OF THE FIREMEN’S ANNUITY & BENEFIT FUND OF CHICAGOTWENTY SOUTH CLARK STREET- SUITE 1400 CHICAGO, ILLINOIS 60603 TELEPHONE (312) 726-5823

Office Hours - 8:00 a.m. to 4:30 p.m. - Monday through Fridayhttp://www.fabf.org

Summer 2015

PENSION LEGISLATION AND LITIGATION UPDATEOver the past fi ve years, we have seen many signifi cant developments with respect to the State of Illinois’ & the City of

Chicago’s efforts to solve the decades of underfunding to the retirement systems that provide benefi ts to their retired employees, disabled employees and their employee’s eligible dependents. All current, retired and future participants in the Firemen's Annuity and Benefi t Fund of Chicago (FABF) are impacted or are potentially impacted by legislation enacted over the past few years, the recent Illinois Supreme Court decisions as well as the ongoing legal battle over whether the legislative enactments to retirement plans of various municipal public employees are constitutionally valid. No less than seven legislative enactments have been signed into law in the last fi ve years that alter state and municipal public employee retirement benefi ts including: increases to employee contributions, increases to healthcare premiums or the elimination of healthcare benefi ts, changes to the method in calculating retirement annuities, increasing the age a member can begin to collect retirement benefi ts, reductions or elimination of post-retirement cost of living increases and changing or eliminating survivor benefi ts of fi refi ghters, paramedics and police offi cers hired after January 1, 2011 (Tier II).

As previously stated, legislation reducing statutory retirement benefi ts of current public employees and retired annuitants has been challenged in Illinois courts. Two lawsuits involving legislative changes to several State of Illinois retirement systems have been decided by the Illinois Supreme Court in favor of the employees who sued over benefi t reductions. Even though most of the pension reform legislation being challenged does not specifi cally address the retirement benefi ts of Chicago fi refi ghters and paramedics, the litigation over these "reforms" affects all public employees' and retirees' rights as participants in a public employee retirement system. The main question involved is the extent to which the Illinois Constitution’s Pension Protection Clause’s prohibition on the diminishment and impairment of benefi ts will be upheld by the courts. The Illinois Supreme Court has been very clear on those cases in which they have decided. However, there are more cases before Illinois courts challenging pension legislation.

Status of PA96-1495, Chicago and Downstate Police and Fire and SB 777 Changes to Current LawIn the fall of 2010, the Illinois General Assembly passed and former Governor Quinn signed Public Act 96-1495 into law.

This amendment created a second tier for new police offi cers, fi refi ghters and paramedics participating in Articles 3, 4, 5 & 6 of the Illinois Pension Code beginning January 01, 2011. There were signifi cant benefi t changes to the retirement age, capping the amount of fi nal average salary and doubling of the years of fi nal average salary used to calculate a participant’s pension, as well as, changing cost of living increases for all new hires after the effective date.

The employee contribution rate of 9 1/8% remained the same for both Tier I & II. Given that, the Chicago Fire Fund’s actuaries have concluded that our Tier I fi refi ghters and paramedics contribute approximately 50% of the normal cost of their

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FROM THE SECRETARY (cont.)

2

retirement benefi ts, while the Tier II participants pay approximately 60 % of the normal cost of their retirement benefi ts. Another signifi cant aspect of the legislation was the requirement that employer contributions were to be based on the Actuarial Required Contribution (ARC) starting in 2016, to achieve 90% funding over a 25 year amortization period. Prior to the passage of PA 96- 1495 in 2010 and up through 2015, the City has made contributions based primarily on a property tax levy which was a multiple of 2.26 of active employee contributions to the Fire Fund and 2.00 to the Police Fund. Neither property tax multiplier provided adequate funding to meet the pension funds’ future obligations.

On May 31, 2015 Senate Bill 777 was passed by both houses in Springfi eld, signifi cantly altering employer contributions to the Chicago Police and Fire retirement systems. In 2015, the Fire Fund is due to receive approximately $106 million dollars in employer related contributions. This number includes $17.7 million in employee contributions related to the Lewis lawsuit. Pursuant to PA96-1495, our Fund was to receive approximately $246 million dollars in 2016. Under Senate Bill 777, if it is signed by the Governor, the Fire Fund will receive $199 million in 2016, $208 million in 2017, $227 million in 2018, $235 million in 2019 and $245 million in 2020. Under Senate Bill 777, the City is projected to be required pay approximately $234 million less over the next 5 years than is currently required under PA96 – 1495. Beginning in 2021 the City will then be required to actuarially fund the Police and Fire Retirement Systems. Additionally, the unfunded liability will be amortized through 2055 under SB 777 as opposed to 2040 as required in PA96 -1495. In SB 777, the city is seeking to acquire a casino from which revenue will be designated to pay the increased pension costs for the police and fi re funds.

There is one benefi t change to Article 6 of the Illinois Pension Code contained in SB 777 with respect to benefi ts included in SB 777. The change was for those retirees who retired after age 50 with 20 years of service whose monthly annuities are below 125% of the federally defi ned poverty level. An examination of the Fund’s records indicates there are no retirees that are below 125% of the Federal Poverty Level (FPL) at this time. The vast majority of our participants receiving an annuity from the Fund that are below 125% of the FPL are widows of Tier I participants whose annuity are fi xed at 50% of a members pension at the time of death and receive no cost of living allowance. The minimum widow’s benefi t has historically been increased on a periodic basis but has not been adjusted since 2004. Currently, there are 407 widows whose monthly benefi t is at or below 125% of the Federal Poverty Level for an individual residing in the State of Illinois.

On May 31, 2015, Senate President John Culloton introduced SB 2142. The bill as introduced changes the eligibility for the 3% simple Automatic Annual Increases (AAI) from January 01, 1955 to January 01, 1970. Many of our members have retired since 2010 that had reached age 55, were born after January 01, 1955 and have not received any AAI. If and when this piece of legislation passes or there are other amendments or technical corrections impacting upon our members' benefi ts, we will endeavor to inform all participants

Other Illinois Public Employee Legislation and Litigation of InterestIn 2012, the state adopted Public Act 97-695 which amended the State Employees Group Insurance Act. Prior to this

change in law, the state provided for retiree health insurance based on an employee’s years of service. The new law increased retiree healthcare premiums for both current and many future retirees. Public employees fi led suit to prevent implementation of this law. On July 03, 2014 the Illinois Supreme Court in a 6-1 decision, ruled that the subsidized health insurance afforded by statute to state employees was protected by the pension protection clause of the Illinois constitution.

In late 2013 the Illinois General Assembly passed Public Act 98-0599 reducing benefi ts to participants in the State Employees Retirement System, State University Retirement System and Teachers Retirement System of Illinois. Employees affected by these statutory benefi t reductions challenged these changes. Defending the law, the Illinois Attorney General argued the State’s police powers and Illinois’ fi nancial “emergency” trumped the “Pension Protection Clause” of the Illinois Constitution. On November 21, 2014, the Circuit Court of Sangamon County rejected the State’s argument, and held that Public Act 98-0599 violates Article XIII, Section 5 of the Illinois Constitution and therefore the Act is “unconstitutional and void in its entirety”. The court further stated, “Illinois courts have consistently held over time that the Illinois Pension Clause's protection against the diminishment and impairment of pension benefi ts is absolute and without exception.” On May 08, 2015, the Illinois Supreme Court in a unanimous opinion upheld the circuit court’s decision and declared Public Act 98-0599 unconstitutional.

On June 12, 2014, Governor Quinn signed SB 98-0641, a plan put forward by the City of Chicago which modifi ed the pension benefi ts of participants in the Municipal Employees Annuity and Benefi t Fund (MEABF) and Laborers Annuity and Benefi t Fund (LABF). The pension legislation was similar to the state pension reform legislation in that it reduced retirement annuities by permanently reducing the automatic annual increases (AAI) from 3% compounded to a non-compounding 3% or one half the consumer price index, whichever is less. Additionally, the legislation also eliminated AAI increases for certain years and increased employee contributions from 8.5% to 11% over fi ve years. The legislation also increased future employer funding. On December 16, 2014 participants of the MEABF & LABF fi led suit against the increased employee contributions and benefi t reductions asserting the changes violate the Pension Protection Clause of the Illinois Constitution. On December

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FROM THE SECRETARY (cont.)

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29, 2014 participants in LABF also fi led a lawsuit to prevent implementation of the benefi t reductions and increased employee contributions. Judge Rita Nowak is presiding over both cases.

On February 19th, Judge Nowak decided to defer proceedings on these cases until the Illinois Supreme Court decided the State of Illinois pension reform case originally heard before the Circuit Court of Sangamon County. Subsequent to the Illinois Supreme Court’s decision on May 08, 2015, declaring PA 98-0599 unconstitutional, the plaintiffs in the cases involving the MEABF and LABF requested to proceed directly to summary judgment on the constitutionality of SB 98-0641. Briefi ng is expected to be completed on July 2 and oral argument is scheduled for July 9 at 10:30 before Judge Novak. According to Fund Counsel, the Court’s decision is likely to be framed as whether the reduced automatic annual increases (AAI) and increased employee contributions required by SB 98-0641 amount to a diminishment or impairment of benefi ts in violation of the Pension Protection Clause in Article XIII, Section 5 of the Illinois Constitution, when balanced against the substantially increased employer funding PA98-0641 provides. The Court’s decision may be infl uenced by (1) the fact that both MEABF and LABF are projected by many to be insolvent in the next several years and PA 98-0641 ensures funding so that the pension funds do not go insolvent and (2) the fact that SB-98-0641 was a result of negotiations between the City and 28 of the 31 unions representing City employees in those two funds.

In another case closely being monitored by Fund counsel, staff and trustees involves the Chicago Transit Authority (“CTA”). Plaintiffs in that case are current and retired employees of the CTA who fi led suit in 2011. The suit challenges the constitutionality of PA 95-708. PA 95-708 amended the Pension Code to (1) require employee benefi ts be fully funded by the CTA and (2) reduced the healthcare coverage available to retirees. The plaintiffs allege, among other things, that the reduction in retiree healthcare benefi ts was unconstitutional.

The Circuit Court dismissed the action. The appellate court essentially took no position on the constitutional issue. However, the appellate court reversed dismissal of the constitutional claim and remanded it for consideration in light of the Supreme Court’s ruling in Kanerva v. Weems, which invalidated the reduction of statutory healthcare benefi ts for current state employees and retirees. The Illinois Supreme Court decided Kanerva on July 3, 2014, holding that the state’s reduction in healthcare subsidies was unconstitutional. The Illinois Supreme Court heard oral arguments in the Matthews case on May 8, 2015 and is likely to rule in the next couple of months.

We will continue to monitor developments and endeavor to update our participants on the status of pension reform litigation, as well as any proposed legislation potentially impacting the rights and benefi ts of active and retired members of the FABF and their benefi ciaries.

RETIREE HEALTHCARE UPDATERetiree healthcare for fi refi ghters and paramedics has undergone tremendous change with the expiration of the Korshak

Settlement Agreement on June 30, 2013. While we have seen extensions of some coverage, the city’s current phase out of the program has our members paying higher rates and has also been a cause for confusion for among many annuitants.

Participants of the FABF should take note that the decision of the Illinois Supreme Court in Kanerva v. Weems, which involved State of Illinois retiree's healthcare premiums does not affect changes made to the retiree healthcare plan of eligible City of Chicago and Chicago Fire Department retirees.

However, a lawsuit has been fi led by a class of annuitants in Underwood v. City of Chicago over the city’s decision to discontinue retiree healthcare. Four Chicago pension plans, including the FABF, were also named by plaintiffs in the lawsuit. Judge Holderman remanded the lawsuit for further argument in the State of Illinois court system. Further information on the status of this lawsuit which could potentially impact our participants will be forthcoming.

Chicago Firefi ghter’s Union Local 2 Retiree Committee has evaluated the changes in the retiree healthcare plan and assessed options for those members not receiving healthcare pursuant to the contractual provision for free healthcare to those retiring after age 55 until reaching age 65 or Medicare eligibility. The Retiree Committee has determined, in its opinion, that the subsidy provided for by statute in the current plan, makes the City’s current plan most economical for participants as a whole. There may be opportunities however, given federal government subsidies under the Affordable Care Act where some participants would benefi t from participating in the ACA health insurance exchange. The Fund is precluded by the Korshak Settlement Agreement from negotiating or representing retirees in matters related to retiree healthcare benefi ts. All members are encouraged to reach out to Local 2 if they have any questions.

The views and opinions expressed in this article are those of the author and do not necessarily refl ect the offi cial policy or position of the Retirement Board of the Firemen’s Annuity and Benefi t Fund of Chicago or any of its Trustees, other than the author.

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FROM THE PRESIDENT MICHAEL J. SHANAHAN

Dear Brothers & Sisters:

This article will provide you with the Fund’s investment results for the year ended 2014. Your Fund gained 3.94% during the past year. Gains in our U.S. stock portfolio were 8.0%, while our international stock portfolio declined 3.7%. Our private equity allocations ended the year up 10.3%. We had meaningful gains of 6.7% in our fi xed income portfolio, which exceeded their performance benchmark of 6%.

We have used the table below to illustrate what your Fund has earned over the past 25 years.

Time Period Years Compound Return Value of $1 Invested1 Year Return 2014 3.94% $ 1.043 Year Return 2012-14 13.78% $ 1.475 Year Return 2010-14 11.18% $ 1.70

10 Year Return 2005-14 7.14% $ 1.9915 Year Return 2000-14 6.09% $ 2.4320 Year Return 1995-14 9.21% $ 5.8225 Year Return 1990-14 9.27% $ 9.17

This table is impressive and illustrates the magic of compounding returns as it applies to our Fund. A 25 year investment period may seem like a long investment period but as Trustees, we have to consider a time frame for our investments of closer to 60 years since we must consider a newly employed member, his or her years as an active and retired member and possibly his or her widow.

In 2009 the equity markets began to rebound from the recession of 2008-09 and the Firemen’s Fund has been no exception. Gains earned by the Fund over the past six years have averaged 13.8% per year. When these same six year returns are compounded, your Fund is up 117%. Six years of strong performance without a correction is truly rare (not that we are predicting a correction!) There is still much uncertainty in the world with Europe struggling to recover, Asia and the emerging market economies slowing down and continued unrest in the Middle East.

On a positive note, we are looking forward to an infusion of funds starting in 2016 due to an increase in employer contributions based on an Illinois law which was passed in 2010 to restore solvency to our Fund. Unfortunately, in the past, the City has inferred that it would like to amend this law to delay and/or “ramp up” contributions which would again endanger our funding levels.

Please know that this is your Fund and your retirement future so please call me or any other Trustee with any questions or comments that you feel are important.

Sincerely, Mike ShanahanFund President Active Trustee


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REMEMBERING WALTER CARLSON

It is with my heartfelt sorrow that I must report the passing of former Elected Annuitant Trustee, Walter Carlson who died on May 21, 2015. “Wally” took pleasure in serving our members in his position on the Board from 2005 to 2015, resigning only last month. A 48 year member of Local 2, Walter was also union trustee from 1975 -1982. He was also on the fi rst Local 2 contract negotiating team in 1980, fi rst arbitration team in 1981, fi rst Chief Steward in 1983 and Director of Contract Enforcement from 1993 to 2005.

Walter was truly a dedicated family man. His love and service to all the men and women of the Chicago Fire Department is rivaled by few and exceeded by none. The trustees and staff of the Firemen’s Annuity and Benefi t Fund of Chicago, the staff at Local 2 and the countless people who Walter fought for lost a great friend.

DON'T EVEN THINK ABOUT COMPLAINING - PATRICK J. O'MALLEY

On October 16, 2014, a dedicated, hardworking, gracious friend and son of a fi refi ghter died after many years of a debilitating battle with diabetes. Pat O'Malley worked at City Hall and was an assistant to several of the City Clerks that served on the Retirement Board as Ex-Offi cio Trustees. He attended each of the Fund’s monthly Board Meetings since October 1996.

Not once during the years of his struggle with this disease did I ever hear him complain. He lost toes and began using a cane. He lost his foot and had to get a prosthesis only to have to get new ones each time they had to take more of his leg. He sincerely apologized for being a nuisance when he had to start using a wheelchair after they took the second leg. He would not let you help him in or out of his chair… “I can manage” he would say.

Pat was especially proud of Pat Jr. who played on the St. Rita High School State Football Championship team, and was a loving husband to Mary, whose nursing career was put into overtime for the last few years. Pat was also a fi xture at every fund raising event on the South Side. He was always more concerned about everyone else’s needs.

Pat loved to joke that he had his own room in the ICU at Little Company of May hospital on 95th Street. Many of our paramedics knew him and Mary on a fi rst name basis and would fi nd a way to get him re-routed to Little Company on every call. Somehow he always bounced back and left everybody wondering how.

The last time I saw Pat was last August. Mary was wheeling him down Central Ave. on his way to help sell raffl e tickets for our Widows and Orphans fund raiser at the 5th District softball tournament at Mt. Greenwood Park. He was in a great mood, glad to be out of the house on a sunny Saturday afternoon, to contribute in any way he could.

So, do yourself a favor… go out of your way to be a sincere friend, a great neighbor, or just a helping hand. Pat’s life proved that such an attitude and love for those around you will carry you through the toughest times imaginable.

- Rest in peace my friend.

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THE FOLLOWING ANNUITIES AND BENEFITS HAVE BEEN GRANTED

APRIL 2014Minimum Formula Annuity*FF BERNARD J. BRNE, ENGINE 113PIC DAVID J. WIGGINS, AMBULANCE 59

Duty DisabilityEMT LT ROCCO E. ROCCASALVA, ENGINE 46PM ERIK D. TWEEDT, AMBULANCE 1 EMS 3

Occupational DisabilityFF MICHAEL J. FRITZ, TRUCK 60PFC SYLVIA TIENDA, 4-5-6

MAY 2014Minimum Formula AnnuityENG JAMES L. CUNNINGHAM, ENGINE 99FF KEVIN K. JAKOVEC, TRUCK 55*FF THEODORE A. LUGA, ENGINE 79FF SCOTT J. MOORE, ENGINE 129FF DANIEL J. RICHTER, ENGINE 69*FF LAWRENCE P. WALSH, ENGINE 32

Duty DisabilityFF LAWRENCE GREEN, ENGINE 104

Occupational DisabilityNone

JUNE 2013Minimum Formula AnnuityFF CHRISTOPHER S. CASEY, ENGINE 69EMT LT KEVIN J. GRAVES, ENGINE 109EMT ENG RONALD W. MORAVEK, ENGINE 1SUPVS FM/PM JOHN DI SILVESTRO, OFI

Duty DisabilityLFF PM JOSEPH A. KELLY, 5-1-2FF SHERRY J. PINKSTON, ENGINE 80EMT FF TIMOTHY M. RADDATZ, ENGINE 64


JULY 2014Minimum Formula Annuity*PM JEROME M. JANIA, AMBULANCE 17FF CARL P. JOHNSON, TRUCK 45CAPT ROGER R. LUEDTKE, ENGINE 127

Duty DisabilityFF CHARLES J. PETRUZZI, TRUCK 26EMT LT JOHN A. TUMPICH, TRUCK 17

Occupational DisabilityLT JOHN J. HOWARD, TRUCK 19

AUGUST 2014Minimum Formula AnnuityFF PM THOMAS J. COLWELL, ENGINE 46LT REYNALDO GUEVARA, 3rd DISTRICT RELIEFFF DUMAS W. HARDY, FPB-NORTHFF PM WALTER J. MAH, ENGINE 19*ENG FRANCIS M. MORAN, ENGINE 63*LT PM GEORGE C. RADKA, ENGINE 79PIC SABRINA SANGARI, AMBULANCE 59FF JAMES TAYLOR, AIR MASK

Duty DisabilityNone

Occupational DisabilityEMT CAPT DANIEL G. DRAPER, ENGINE 22ENG THOMAS R. SCHMIDT, ENGINE 92

SEPTEMBER 2014Minimum Formula AnnuityASST DCPM SAMUEL M. CLARK, EMS 1/4412FF ROGELIO COSME JR., ENGINE 99EMT FF SYLVESTER HUDSON JR, ENGINE 2EMT ENG JAMES R. LEXSEE, ENGINE 28FF MICHAEL McMANUS, TRUCK 3FF HARVEY MOSS, AIR/MASK*EMT LT MICHAEL T. ROCHE, 6th RELIEFFF JOSE R. ROSARIO, TRUCK 60ENG FRANK J. STEPHENS, ENGINE 29

Duty DisabilityNone

Occupational DisabilityFF MICHAEL J. GALIARDO, ENGINE 44

OCTOBER 2014Minimum Formula AnnuityEMT ENG ALFRED L. ALLEN, ENGINE 16*FF JOSEPH ALONZO, AIR MASK*CAPT ANTHONY R. BEDALOW, TRUCK 44LT JILL A. FLODSTROM, FPB-NORTH*LT PM LAWRENCE W. MURRAY, ENGINE 127EMT LT GREGORY SARKISIAN, ENGINE 86

Duty DisabilityFF JOHN P. PATTON, TRUCK 51

Occupational DisabilityEMT LT LEE J. YANKOWSKI, ENGINE 76

NOVEMBER 2014Minimum Formula Annuity*FF CARL R. COOK, TRUCK 55EMT LT FRANK J. CROSSIN, ENGINE 2*FF PHYLLIS I. EARL, TRUCK 10

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THE FOLLOWING ANNUITIES AND BENEFITS HAVE BEEN GRANTED (cont.)

NOVEMBER 2014 (cont.)Minimum Formula Annuity*FF WILLIAM M. KESTLER, TRUCK 44*LT MICHAEL J. MICHON, 6th DISTRICT RELIEF*ENG JAMES L. MOORE, ENGINE 45*ENG ANDREW SOPKO, ENGINE 78*FF DAVID L. ZUBIK, ENGINE 23

Duty DisabilityLT PM GREGORY A BARABASZ, ENGINE 10FF VAN L NEAL, ENGINE 80EMT ENG RICHARD REIMER, ENGINE 110


DECEMBER 2014Minimum Formula AnnuityEMT LT WILLIAM W. ADAMS, FPB-WESTEMT CAPT GARY J. BASILE, AIR SEA RESCUEFF WILLIAM E. BECKER, ENGINE 69AC RAYMOND C. BLACK, AMBULANCE 16EMT BC STEPHEN BOLDT, BATTALION 23EMT ENG MARIO BONGIORNO, ENGINE 96EMT CAPT LAWRENCE M. BRACKIN, ENGINE 50FF EDWARD P. BRANCH, ENGINE 97EMT BC RAYMOND J. BRESNAHAN, BATTALION 2BC MICHAEL J. BUKOWSKI, BATTALION 20EMT BC SEAN W. BURKE, BATTALION 18EMT LT MOSES CAJIGAS, ENGINE 9FF GEORGE G. CASAS, TRUCK 17EMT LT ROBERT CASEY, ENGINE 30BC TERRENCE .J CASEY, BATTALION 18DDC STEVEN G. CHIKEROTIS, 1st DISTRICTFF THOMAS J. CLEMENS, TRUCK 20EMT CAPT JOHN R. COLBY, TRUCK 59ENG JOHN CRAVEN, ENGINE 54EMT BC TIMOTHY J. CRONIN, BATTALION 23EMT FF JAMES B. CUMMINGS, TRUCK 13FF THOMAS CZERNIAK, MIDWAYFF LAWRENCE C. DANTIGNAC JR., ENGINE 64CAPT PM ALAN R. DEAN, ENGINE 108CAPT DENNIS J. DELANEY JR., TRUCK 20LT JAMES C. DZIEDZIC, ENGINE 94AC CLINTON E. ELMORE, AMBULANCE 51EMT BC DAN P. FABRIZIO, BATTALION 3FF CYNTHIA FAGIANO, TOWER LADDER 63FF PATRICK E. FALLAW, ENGINE 11CAPT PM LAWRENCE E. FLYNN, TRUCK 26*PIC ROGER FORNELL, AREA 3 RELIEFEMT BC TIMOTHY P. GIBBONS, BATTALION 12FF MICHAEL A. GRECO, ENGINE 7PIC RANDY S. GRUBER, AMBULANCE 39ENG MARK GRUNAUER, ENGINE 62PIC PAMELA L. GUIDIZI, AMBULANCE 26EMT CAPT GERALD D. HAMBURG, 6-5-5EMT LT GARY J. HATFIELD, TRUCK 30

DECEMBER 2014 (cont.)EMT LT DAVID C. HOLUBIK, ENGINE 99EMT ENG JUAN T. HOOKER, ENGINE 72FF JEFFREY N. HOSHELL, TRUCK 28EMT LT ROBERT F. JOYCE, ENGINE 79*ENG RAYMOND S. KAPPEL, 5th DISTRICT RELIEFEMT BC THOMAS G. KENNEDY, BATTALION 16BC STEVEN KIERYS, BATTALION 13AC HOWARD J. KRAVITZ, AMBULANCE 12FF RANDALL K. KUBER, SUPPORT SERVICESEMT LT BILLY D. LATHAM, RESCUE 6-5-9FF RONALD C. LEWIS, ENGINE 80LT CHRISTOPHER S. LOPER, TRUCK 32EMT CAPT WILLIAM M. MADDEN, ENGINE 2EMT CAPT ROBERT J. MARTIN, TRUCK 49PM WILLIAM J. MARTIN, AMBULANCE 59EMT CAPT DANIEL J. McAULIFFE, ENGINE 123EMT CAPT JOHN F. McDONAUGH, TOWER LADDER 14EMT CAPT BRIAN T. McMAHON, TRUCK 35CAPT MARK C. McMILLIN, TRUCK 31EMT BC STEPHEN McMILLIN, BATTALION 17LT JAMES E. McNALLY, ENGINE 64ENG ISRAEL MORALES, ENGINE 97EMT BC JAMES MUNGOVAN, BATTALION 19BC JAMES L. OD’ONNELL, BATTALION 20EMT CAPT TERRY K. O’DONNELL, ENGINE 84EMT BC SEAN O’DRISCOLL, BATTALION 13EMT LT TIMOTHY J O’TOOLE, ENGINE 72LT SONIA PADILLA, FPB-PUMP SE*FF WILLIAM PAULINO, ENGINE 10EMT BC ANDRE PENNI, BATTALION 23FF ARLENCY PITTS, TOWER LADDER 5EMT BC CURTIS POWELL, BATTALION 16*FF THOMAS P. RADDATZ, ENGINE 18LT GEORGE W. RANOS, ENGINE 97EMT CAPT BRUCE P. RHEINWALD, ENGINE 39FF EDDIE ROBINSON, FIRE PREVENTION PUMPSFF EFRAIN RODRIGUEZ, TOWER LADDER 63EMT CAPT THOMAS P. RUANE, ENGINE 54EMT BC EDWARD J. RYAN, BATTAION 14FF LOUIS B. SANCHEZ, ENGINE 15LT JOHN S. SEGAL, FPB HQEMT CAPT MARGARET L. SHAIFER, ENGINE 16FF STEVEN J. SHIMKUS, TOWER LADDER 54EMT BC JEFFREY T. SPRINGER, BATTALION 24PM JEAN P. SUTHERLAND, AMBULANCE 16PIC TYRESS UPTON, AMBULANCE 25ENG MICHAEL VANEK, ENGINE 29PFC ELLIOTT A. VELEZ, 4-5-2EMT FF STANLEY VINSON, FPB-WESTEMT ENG RICHARD C. WILLIAMS, 6-5-6

Duty DisabilityFF DANIEL AHLFELD, ENGINE 78

Occupational DisabilityEMT FF ROBERT J BIBBS, ENGINE 73FF GEORGE T COFFEY, TRUCK 20

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8

THE FOLLOWING ANNUITIES AND BENEFITS HAVE BEEN GRANTED (cont.)

JANUARY 2015Minimum Formula AnnuityFF BRIAN M. ANDERSON, TRUCK 45EMT FF JARRY M. AVANTS, TRUCK 45FF WILLIAM L. BELPEDIO, ENGINE 106EMT CAPT CHARLES E. BLISS, ENGINE 38ENG ERIC R. BREWER, ENGINE 104CAPT RICHARD C. CIESSAU, TRUCK 29LT DWAYNE O. COLLINS, TRUCK 45EMT FF LEE M. ELY, ENGINE 73FF DANIEL P. HOLZMAN, TRUCK 58PM PETER J. HOULIHAN, AMBULANCE 31EMT ENG HENRY JACINTO, ENGINE 11EMT LT NEAL T. JOHNSON, FPB-NORTH EMT ENG MOSES JOLLY, 6-5-7EMT ENG DOUGLAS A. KEAG, 3rd DISTRICT RELIEFPFC MARYKAY KONCHAR, 4-5-6PIC PAMELA L. LESHER, AMB. 23/PUBLIC EDPM KEVIN G. McAULIFFE, AMBULANCE 17EMT LT JOHN McGARRY, TRUCK 45EMT CAPT RALPH C. McMULLEN, TRUCK 7FF GLENN MERIDITH, ENGINE 56EMT ENG MICHAEL F. MURPHY, ENGINE 112PFC KERRY PAKUCKO, 4-5-4FF TIMOTHY RILEY, TRUCK 28PIC ANNA M. ROSA, AMBULANCE 26EMT CAPT KEVIN J. SAMPSON, HOOK & LADDER 56FF ANTHONY D. SIPICH, TRUCK 31EMT ENG DIANE E. SUITER, FPB-CENTRALPFC JAMES P THORPE, 4-5-7EMT CAPT JEFFERY R. THORSBERG, ENGINE 119

Duty DisabilityLT PM THOMAS M. HOWE, ENGINE 57


FEBRUARY 2015Minimum Formula AnnuityPIC DWAYNE A. BLACKAMORE, AMBULANCE 51EMT FF RONALD HAMPTON, TRUCK 42*FF PETER E. HANSEN SR., ENGINE 109FF WILLIAM JACKSON JR., 2-7-1FEBRUARY 2015 (cont.)Duty DisabilityFF RAYMOND G. SMYCZ, TRUCK 52

Occupational Disability

AC MICHAEL J. HAGUE, AMBULANCE 17EMT LT DONALD STIFTER JR., ENGINE 34

MARCH 2015Minimum Formula AnnuityAC AARON M. MURDOCK, ACADEMYPIC ROSITA PALOMO, AMBULANCE 71FF WILLIE E. SHANNON, ENGINE 12FF JOHN E. SUTHERLAND JR., ENGINE 60

Duty DisabilityFF RICHARD GORNY, TRUCK 25EMT BC THOMAS J. MILTON, HQ RELIEFEMT LT RICARDO A. VEGA, TRUCK 44

Occupational DisabilityPIC DAVID S. GUIEL, AMBULANCE 3EMT FF DAVID A. KNAPEREK, TOWER LADDER 54

APRIL 2015Minimum Formula Annuity*CAPT LAUREN HOWARD, ENGINE 97PFC MARK J. LINSE 4-5-7PIC CHARLES A. BUTLER, AMBULANCE 12PM MARIE E. MARO, AMBULANCE 59FFPM CHRISTOPHER L. LOHR, ENGINE 64

Duty DisabilityNone

Occupational DisabilityFF JOHN G. GESLICKI, TRUCK 9

MAY 2015Minimum Formula AnnuityENG LLOYD W. LEFTRIDGE, ENGINE 93*FF STEVEN A. GORE, ENGINE 11LT PM WILLIAM J. LOGAN, TOWER LADDER 14PIC BUFORD R. HART, AMBULANCE 56

Duty DisabilityFF JEFFERY R. BURKE, TRUCK 30

Occupational DisabilityPFC WILLIAM D. BOYLE, HQ RELIEF

* Retired from disability

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9

FROM THE ACTIVE TRUSTEE TIMOTHY J. McPHILLIPS


I would like to introduce myself as the newest elected member of the FABF board. My name is Tim McPhillips, I’m a fi refi ghter assigned to Engine 47. I was elected in October of 2014 to a three year term taking effect in December 2014. When I ran for this position I spent a considerable amount of time emphasizing investment strategy and illustrating why our pension plan is good public policy. As I have worked with my fellow Trustees another issue facing the Fund has caught my attention; the issue of independence. I believe the Firemen’s Annuity and Benefi t Fund, our Fund, should remain independent of any other funds; in its structure, design and function. I say this because often times the current administration champions the word “effi ciency”. In the corporate world, attempts at driving effi ciency present themselves through consolidating operations. I am concerned this City Administration, projecting itself as cost effective and effi cient, will attempt to consolidate the City’s pension systems. I am adamantly opposed to merging with another city pension fund in order to squeeze out unfounded savings through the FABF.

The public comments by a fellow trustee concerning City pension funds engaging in local investing and utilizing economies of scale to reduce investment fees are also concerning to me. I believe this trustee’s intentions are good, but the issue most concerning is the execution of such a policy. My read on this ex-offi cio trustee is that he is smart, an honest broker, who isn’t rash, and has a sense of independence and purpose. We both have a fi duciary obligation to the FABF, and these stated policy views need to be executed through the lense of all the Trustee’s singular fi duciary obligation to the FABF. I can appreciate Trustees needing to balance fi duciary obligations on multiple boards and look forward to working with my fellow Trustees to maintain the distinct fi duciary obligation that will be afforded the FABF.

The pension board has taken up the issue of examining the feasibility of minimizing investment fees by partnering with other City pension funds to achieve volume discounts. There have also been discussions within the public policy arena of moving pension funds, in general, into passively managed indexed funds to lower costs. As a Trustee, I am not opposed to further examining this train of thought, but it really seems to distract from the more serious issue of funding. Proper adequate funding enables the City to continue with a pension plan that is good for all the stakeholders; employees, the administration and taxpayers. Our pension fund is good public policy for the City as a whole. It stabilizes the neighborhoods, maintains a solid middle class and provides a better benefi t than putting funds into the social security system.

There have been some major developments on the funding issue recently. In May 2015, Senate Bill 777 (SB-777) was passed by both chambers of the State Legislature. SB-777, if enacted, would signifi cantly change the funding methodology enacted in 2010 by Public Act 96-1495 (PA96-1495). PA96-1495 required a straight 25 year amortization of the plan’s unfunded liabilities so the Fund is 90% funded by 2040. The new SB-777 essentially pushes the 90% funding requirement out an additional 15 years to 2055 and allows for even less funding the fi rst fi ve years. The proposed legislation takes the approach of more funding later rather than sooner. Currently our Fund has a 22% funding ratio; the FABF has approximately $1 billion in assets to cover $4 billion in liabilities. SB-777 essentially replaces the current law, PA96-1495, which has been on the books for over fi ve years but has yet to provide any actual funding.

SB-777 reduces the stream of required funding that would get us to 90% in 25 years to a smaller annual stream that would get us 90% funded in 40 years. There are a few ways to look at this new proposed legislation. I’ve heard members put a positive spin on it by pointing out that the 5 year ramp up payments beginning in calendar year 2016 represent an immediate cash funding infusion of approximately $500 million over those 5 years. That is signifi cantly greater than the existing multiplier method. I’ve also heard from members that look at the negative side, asking why legislators even bother passing laws if they aren’t going to be followed. These members seem to feel the current law, PA96-1495, was a clear mandate from the State to the City; providing a roadmap on how to get the funding crisis under control on a more immediate time frame.

I think the reality is that the City never intended to abide by the more aggressive funding requirements of PA96-1495. Their focus was always more on how to change it. I can understand why; the required payments relative to the City’s overall budget are not inconsequential to the City’s fi nances. But it is frustrating to know that the City had over 5 years to get the City’s fi nances in order since PA96-1495 became law. Financial inattentiveness is what contributed to the current state of the funding crisis; continued disregard is not the solution. There is a real difference between talking about the funding crisis and actually putting pen to paper with substantial reasonable legislation. As a FABF trustee who has a fi duciary responsibility to the Fund I am very supportive of the existing language of PA96-1495. In my opinion,

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FROM THE ACTIVE TRUSTEE (cont.)

10

NAME DATE OF DEATH

*INEZ GRAY 01/02/2014 WIDOW OF WILL GRAY*BARBARA KOWALSKI 04/11/2014 WIDOW OF CASIMIR N KOWALSKI*SARAH M LUCAS 04/14/2014 WIDOW OF ROBERT E LUCAS*KENNETH R WILFERT 04/14/2014 PARAMEDICLUCILLE REEDER 04/16/2014 WIDOW OF BURRELL L REEDERTHOMAS W SHEPPARD 04/17/2014 FIREFIGHTERJOHN T ORR 04/20/2014 LIEUTENANTSIDNEY J STOVER 04/21/2014 LIEUTENANTHARRY W EKSTROM 04/22/2014 FIREFIGHTERGEORGE GARANT 04/25/2014 FIREFIGHTERDOLORES BURNS 04/26/2014 WIDOW OF FRANCIS BURNSVIVIAN A KLEIDON 04/29/2014 WIDOW OF EDMUND H KLEIDONJUNE A. HAUS 04/30/2014 WIDOW OF RICHARD J. HAUSBERNICE STEPHAN 04/30/2014 WIDOW OF JOSEPH F STEPHAN

THOMAS L HEINRICH 05/01/2014 PARAMEDIC IN CHARGECATHERINE A AIROLA 05/02/2014 WIDOW OF LIBERO P AIROLALAVERNE H WIRTZ 05/08/2014 WIDOW OF JAMES E WIRTZELIZABETH M WENDORF 05/10/2014 WIDOW OF PATRICK J WENDORFCHARLES J TODTLEBEN 05/11/2014 FIREFIGHTERJOAN BALEY 05/12/2014 WIDOW OF EDWARD F BALEYDOUGLAS CARBOL 05/12/2014 FIRE ENGINEER

SB-777 as it currently stands, transfers the funding risk from the City’s balance sheet onto our Fund’s. It is a very concerning development and I believe it should be re-written to better address this reallocation of risk. In particular I would like to see the language rewritten that addresses my ability, as a Trustee, to seek redress if the City does not abide by this new legislation.

The language in the original PA96-1945 allowed me, as a FABF Trustee, to petition the State Comptroller to intercept grant money the State owed the City if the City did not abide by the funding mandate of PA96-1495. The monies identifi ed in PA96-1495 that FABF Trustees are able to intercept are woefully inadequate to address a payment shortfall by the City. The proposed legislation only puts the City’s grant money at risk, it does not include the City’s portion of State Income Tax or Motor Fuel Tax. Because these dollar amounts are much larger, I would feel more comfortable if the legislation was re-written to include these revenue streams afforded the City by the State. Auxiliary legislation in the form of House Bill 3484 (HB-3484) addresses this issue, allowing pension fund boards across the State to intercept all funds owed by the State to a municipality; including Chicago. HB-3484 is critical because it forces municipalities that have underfunded their pension plans to forfeit substantial revenue streams owed to it by the State. It is my understanding the City lobbied legislative leaders to modify the original language in HB-3484 to exclude the City from the more stringent intercept language other municipalities in the state have to follow. Considering these recent events it is diffi cult to conclude the City is negotiating in good faith. The promise of funding from a yet to be established casino does not mitigate the FABF funding risk. As an Active Elected Trustee I do not feel the Fund’s membership benefi ted in any way from these legislative changes and that is why I oppose them. Please stay safe, continue to look out for one another, and stay involved.

Fraternally,Tim McPhillips

DECEASED PARTICIPANTS FROM APRIL 16, 2014 THROUGH MAY 31, 2015

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11

DECEASED PARTICIPANTS FROM APRIL 16, 2014 THROUGH MAY 31, 2015

MICHAEL A COHEN 05/13/2014 LIEUTENANTDON A GREGORY 05/13/2014 FIREFIGHTERMARY M OMALLEY 05/13/2014 WIDOW OF THOMAS P OMALLEYJUNE M SWAYKA 05/16/2014 WIDOW OF EDWARD A SWAYKAROBERT H DIETZ 05/19/2014 FIREFIGHTERJOSEPH A. PILS JR. 05/19/2014 CAPTAINJOSEPH P ABRAMS 05/21/2014 FIREFIGHTERMARTIN GAWENDA 05/21/2014 DEPUTY DISTRICT CHIEFOSWALD B LEWIS 05/21/2014 BATTALION CHIEFMICHAEL A MCCLORY 05/22/2014 FIREFIGHTERGERALDINE T HORVATH 05/26/2014 WIDOW OF LOUIS HORVATHEDWARD F MOKOSAK 05/26/2014 FIREFIGHTERCATHERINE HOLIAN 05/30/2014 WIDOW OF JAMES L HOLIANARLENE M SKELLY 05/30/2014 WIDOW OF JAMES M SKELLYBEVERLY J DAVIS 06/02/2014 WIDOW OF THOMAS A DAVISMICHAEL FLISK 06/02/2014 FIREFIGHTERFRANCES SCHEIDT 06/03/2014 WIDOW OF RICHARD SCHEIDTELEANOR BERGER 06/04/2014 WIDOW OF CLARENCE J BERGERDOLORES J DOYLE 06/06/2014 WIDOW OF WILLIAM E DOYLEANN FOLEY 06/08/2014 WIDOW OF DONALD P FOLEYALLENE M WILLIAMS 06/09/2014 WIDOW OF EDWIN E WILLIAMSANNA J CONTE 06/13/2014 WIDOW OF JAMES D CONTE

ROBERT KRUPP 06/15/2014 EMT FIREFIGHTERLAWRENCE E MCCARTHY JR 06/15/2014 FIREFIGHTERJIMMIE L SLAUGHTER 06/17/2014 EMT FIRE ENGINEEREDWARD L WENDLING 06/19/2014 FIREFIGHTERSTEPHEN M SPENCE 06/21/2014 FIREFIGHTERCLARENCE J THOMA 06/21/2014 FIREFIGHTERJOHN E CERNY 06/23/2014 FIREFIGHTERAUGUST W RECKWEG 06/23/2014 FIREFIGHTERRONALD G REGNIER 06/25/2014 FIREFIGHTERTHOMAS J LANHAM 06/29/2014 DEPUTY DISTRICT CHIEFGOLDIE PANGBURN 06/29/2014 WIDOW OF EARL PANGBURNETHEL KORIENEK 06/30/2014 WIDOW OF AUGUST A KORIENEKJOHN C RADOSEVICH 07/03/2014 LIEUTENANTRONALD T HAYNES 07/04/2014 FIREFIGHTER

JAMES E NASH 07/04/2014 EMT LIEUTENANTGERTRUDE R JANKUS 07/06/2014 WIDOW OF FRANK J JANKUSWALLACE E JAHNKE 07/07/2014 LIEUTENANTROBERT F HOEHN 07/08/2014 BATTALION CHIEFFRANK J MEDINAS 07/10/2014 FIRE ENGINEERRICHARD G PEARSON 07/12/2014 FIREFIGHTERMARY B DONAHUE 07/13/2014 WIDOW OF BERNARD F DONAHUEGERALD A MAJEWSKI 07/13/2014 FIRE ENGINEERCECILIA K MANNO 07/13/2014 WIDOW OF FRANK J MANNORICHARD M BUTLER 07/16/2014 FIREFIGHTER

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12

DECEASED PARTICIPANTS FROM APRIL 15, 2014 THROUGH MAY 31, 2015 (cont)

LEE J KOWALSKI 07/16/2014 FIREFIGHTERMARGARET A MCCAULEY 07/17/2014 WIDOW OF THOMAS A MCCAULEYJDONALD C DREHOBL 07/18/2014 FIREFIGHTERAILEEN VIVIAN LEITH 07/18/2014 WIDOW OF SIDNEY LEITHFRED L PARISE 07/18/2014 FIRE ENGINEERJOAN MCDONAUGH 07/19/2014 WIDOW OF JOHN F MCDONAUGHHERB R GANT 07/20/2014 FIREFIGHTERDONNA ALLEYNE 07/23/2014 WIDOW OF WILLIAM M ALLEYNEFRANCIS E GAINER JR 07/23/2014 LIEUTENANTMARY C BARRY 07/25/2014 WIDOW OF JOHN J BARRYGRACE STEFAN 07/26/2014 WIDOW OF CHESTER STEFANRUTH SEYMOUR 08/02/2014 WIDOW OF JAMES H SEYMOURNATHANIEL ANDERSON 08/07/2014 FIREFIGHTERLOUIS A BLATZ 08/07/2014 CAPTAINJAMES R HARRINGTON 08/08/2014 FIRE ENGINEERTHEODORE E SCHAEFER 08/08/2014 FIREFIGHTERMARY L MCDONALD 08/11/2014 WIDOW OF MARTIN E MCDONALDMICHAEL J GALIARDO 08/22/2014 FIREFIGHTERKENNETH KROENING 08/22/2014 FIREFIGHTERSTELLA FISCHER 08/24/2014 WIDOW OF LOUIS R FISCHERMARY J FITZPATRICK 08/25/2014 WIDOW OF EDGAR J FITZPATRICKPETER J SOBIESKI 08/26/2014 CAPTAINEVELYN V SULZER 08/27/2014 WIDOW OF ROBERT I SULZERVICTORIA GROSH 08/30/2014 WIDOW OF MORRIS GROSHJAMES W KELLY 08/31/2014 FIREFIGHTERCHRISTOPHER FEDRO 09/01/2014 PARAMEDIC IN CHARGEGLEN AC TUMA 09/04/2014 FIRE ENGINEERVIRGINIA L WILSON 09/04/2014 WIDOW OF THOMAS W WILSONNICK B PISTELLO 09/07/2014 FIREFIGHTERDONALD W MERGLER 09/09/2014 LIEUTENANTKARL J DASBACH 09/10/2014 FIREFIGHTERMARGARET KRAUSE 09/10/2014 WIDOW OF MICHAEL KRAUSECHESTER FREDERICKS 09/12/2014 FIREFIGHTERIRENE C HASTINGS 09/27/2014 WIDOW OF JAMES HASTINGS

ARTHUR OWENS III 09/29/2014 FIREFIGHTERCURTIS BAINS 09/30/2014 FIREFIGHTEREDWARD G LENCKUS 10/01/2014 FIREFIGHTERWILLIAM MCNAMARA JR 10/05/2014 BATTALION CHIEFLARRY WICKS 10/05/2014 LIEUTENANTRITA B DONOVAN 10/08/2014 WIDOW OF JOHN P DONOVANELIZABETH LECLAIR 10/10/2014 WIDOW OF JOHN J LECLAIREDWARD WOLF 10/10/2014 FIREFIGHTERRUSSELL LONG JR 10/13/2014 FIRE ENGINEERCHARLOTTE J WELLS 10/13/2014 WIDOW OF RONALD C WELLSDOROTHY M GLEASON 10/16/2014 WIDOW OF JOHN P GLEASONEDWARD C KAELIN 10/16/2014 LIEUTENANT

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13


DAVID A OKEEFE 10/16/2014 FIRE ENGINEERJOHN HERLING 10/21/2014 LIEUTENANTCLARENCE C JANASIEWICZ 10/21/2014 FIREFIGHTERGEORGE H STRZALA 10/21/2014 LIEUTENANTANNIE E HOLDEN HOLOUBEK 10/22/2014 WIDOW OF HENRY J HOLDENENRIQUE BEAUCHAMP 10/27/2014 FIREFIGHTERLOUIS LIMPER 10/27/2014 CAPTAINJAMES ROCKWELL 10/28/2014 FIRE ENGINEERDAVID J. REESE 10/30/2014 FIREFIGHTERSHEILA HARRIS 11/01/2014 WIDOW OF CARL W HARRISMICHAEL MCNICHOLAS 11/04/2014 FIREFIGHTERRICHARD W BONNEFOI 11/05/2014 FIRE ENGINEERWILLIAM J GREGUS 11/08/2014 PARAMEDICDONALD J WOJTAS 11/08/2014 FIRE ENGINEERANNA MAE MCCORMICK 11/09/2014 WIDOW OF EDWARD D MCCORMICKARTHUR HENDRICKSON 11/10/2014 FIREFIGHTERPATRICIA ANN HARRINGTON 11/13/2014 WIDOW OF DENNIS J HARRINGTONKARL WHITTLETON 11/18/2014 LIEUTENANTCATHERINE T DOODY 11/20/2014 WIDOW OF GEORGE J DOODYMARY LOU CADEN 11/21/2014 WIDOW OF PAUL J CADENFRED J BARBARA 11/22/2014 CAPTAINEMMETT F. LALLY 11/22/2014 FIREFIGHTERDOROTHY B CONROY 11/23/2014 WIDOW OF WILLIAM A CONROYTHOMAS RUANE 11/24/2014 CAPTAINJUNE L SCOTT 11/24/2014 WIDOW OF CHARLES J SCOTTEDWARD W KREY 11/25/2014 FIREFIGHTERPATRICIA SAMPEY 11/27/2014 WIDOW OF CHARLES P SAMPEY SRIDAMARIE NOLAN 11/28/2014 WIDOW OF DONALD E NOLAN

FABIAN MUENTES 11/30/2014 FIREFIGHTER PARAMEDIC (PER ARBITRATORS AWARD)MARGARET J ZACHARSKI 11/30/2014 WIDOW OF CASIMIR A ZACHARSKIVINCENT P LIBERTO 12/01/2014 FIREFIGHTERSHEILA MCCONE 12/02/2014 WIDOW OF JOHN E MCCONEMARY L KAREKA 12/04/2014 WIDOW OF HARRY A KAREKASHIRLEY A KELLY 12/04/2014 WIDOW OF LINUS W KELLYEILEEN G WERNER 12/05/2014 WIDOW OF RAYMOND WERNERTHOMAS F KING 12/08/2014 LIEUTENANTJOHN KAMMERER 12/09/2014 BATTALION CHIEFJAMES T ROBERTSON 12/12/2014 FIREFIGHTERHARVARD C BIEZE 12/13/2014 LIEUTENANTELEANOR J MALITO 12/13/2014 WIDOW OF ARTHUR A MALITOEDWARD LISOWSKI 12/15/2014 FIREFIGHTERCHARLES W. CARLSON 12/19/2014 DEPUTY DISTRICT CHIEFNANCY SOBIESKI 12/20/2014 WIDOW OF PETER J SOBIESKILYDIA STOEKE 12/20/2014 WIDOW OF JAMES STOEKEJAMES A LUTKE 12/21/2014 LIEUTENANTEDWIN P SULLIVAN JR 12/23/2014 FIREFIGHTER

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14


THOMAS W BURGESS 12/24/2014 FIREFIGHTERDAVID J HUGHES 12/24/2014 LIEUTENANTRICHARD A EBER 12/25/2014 FIRE ENGINEERJAMES MCMAHON 12/25/2014 LIEUTENANTVERONICA PARRATORE 12/25/2014 WIDOW OF JASPER PARRATOREOMER J MACDONALD 01/01/2015 FIREFIGHTERANN D HENNESSY 01/02/2015 WIDOW OF RICHARD J HENNESSYMARY QUINN 01/06/2015 WIDOW OF WILLIAM M QUINNHELGA AUGUN 01/09/2015 WIDOW OF BEN AUGUNJOHN L BINIAK 01/10/2015 FIRE ENGINEERRICHARD C HOFFMAN 01/10/2015 LIEUTENANTWARREN A REDICK 01/10/2015 BATTALION CHIEFRONALD F WIESE 01/10/2015 FIRE ENGINEERJAMES R RUSSELL 01/11/2015 FIREFIGHTEREDWARD E JANECZKO 01/14/2015 FIREFIGHTERJOEL THOMAS CALLAHAN 01/15/2015 FIREFIGHTERJAN L RAYE 01/16/2015 FIREFIGHTERLORRAINE A. MARSH 01/17/2015 WIDOW OF ROBERT G. MARSHJAMES T DAVIN 01/18/2015 BATTALION CHIEFRUTH L MUTH 01/18/2015 WIDOW OF ROBERT A MUTHEMILY HOLADA 01/19/2015 WIDOW OF CHARLES L HOLADA

JOHN M. LEONARD 01/19/2015 LIEUTENANTGEORGE J MAREK 01/22/2015 FIREFIGHTERJEANNE A DUFFY 01/23/2015 WIDOW OF EDWARD F DUFFYSTEPHANIE RUTSAY 01/24/2015 WIDOW OF PAUL T RUSTAYJOSEPH W OCONNOR 01/28/2015 FIREFIGHTERBARBARA DUKE 01/29/2015 WIDOW OF LAMAR DUKEJOSEPHINE MEYER 01/31/2015 WIDOW OF JOHN W MEYEREURA E COPPEDGE 02/02/2015 WIDOW OF WILLIAM L COPPEDGEANTHONY M GUTH 02/03/2015 PARAMEDIC IN CHARGEFRANK J OMAN 02/03/2015 FIREFIGHTERBARBARA J HINTON 02/07/2015 WIDOW OF WILLIAM I HINTONARTHUR J STANIEC 02/07/2015 LIEUTENANTJOSEPH F DIMARIA 02/09/2015 LIEUTENANTBISHOP McGUIRE 02/14/2015 CAPTAINJOANN G. PILARSKI 02/19/2015 WIDOW OF WILLIAM G. PILARSKIJAMES C. DZIEDZIC 02/20/2015 LIEUTENANTRAYMOND E. MIKKELSON JR. 02/23/2015 LIEUTENANTMARTIN J. BARRETT 02/25/2015 FIREFIGHTERTHOMAS R. BREITFUSS 02/27/2015 FIREFIGHTERNANCY J. BELL 02/28/2015 WIDOW OF DENNIS M. BELLRICHARD W. FORD 02/28/2015 LIEUTENANTLUCRETIA M BURKE 03/08/2015 WIDOW OF JOHN T. BURKEWILLIAM J. RADTKE 03/08/2015 CAPTAINHELEN WOLSKI 03/08/2015 WIDOW OF PETER WOLSKODANIEL P. McCORMICK 03/09/2015 FIREFIGHTER

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15


STEPHEN APPELHANS 03/13/2015 FIREFIGHTERMARY R. LESTER 03/15/2015 WIDOW OF RAYMOND J. LESTERVIRGINIA HENDRICKSON 03/18/2015 WIDOW OF ARTHUR HENDRICKSONDENNIS T. KING 03/21/2015 CAPTAINSTANLEY A. WOLAK 03/25/2015 LIEUTENANTRICHARD M. HANRAHAN 03/28/2015 FIREFIGHTERFLORENCE F. MORONEY 03/28/2015 WIDOW OF ROBERT H. MORONEYYVONNE D. PODER 03/28/2015 WIDOW OF ROBERT A. PODERMARJORIE T. KELLY 04/04/2015 WIDOW OF FRANCIS J. KELLY

MARK S. WALLACE 04/07/2015 FIREFIGHTERWILLIAM C. MEIERS 04/05/2015 CAPTAINGORDON J. PATRIARCA 04/05/2015 FIREFIGHTERRICHARD P. ANDERSON 04/07/2015 FIRE ENGINEERJOHN J. LALLY 04/10/2015 FIREFIGHTERMARY C. REIDY 04/13/2015 WIDOW OF RICHARD J. FRANZEN & ROBERT M. REIDYAGNES M. O'HARA 04/15/2015 WIDOW OF JOHN M. O'HARANICHOLAS A. PFEFFER 04/15/2015 LIEUTENANTALICE E. O'DONNELL 04/17/2015 WIDOW OF JAMES F. O'DONNELLRICHARD A. IBATA 04/18/2015 PARAMEDIC FIELD OFFICEREUNICE M. JENSEN 04/20/2015 WIDOW OF KENNETH G. JENSENJEANNETTE MAUL 04/20/2015 WIDOW OF HAROLD MAULJOAN C. WIESE 04/20/2015 WIDOW OF RONALD F. WIESECATHERINE SAYERS 04/23/2015 WIDOW OF EDWARD A. SAYERSRALPH R. MINNICH 04/24/2015 FIREFIGHTERDOLORES HOHOLIK 04/28/2015 WIDOW OF HENRY A. HOHOLIKMARY JEAN FOLEY 04/30/2015 WIDOW OF PHILLIP J. FOLEY JR.VICTORIA McKAY 04/30/2015 WIDOW OF BERNARD F. McKAYMARY JANE FARRELL 05/03/2015 WIDOW OF PJ FARRELL JR.THOMAS DRYNAN 05/12/2015 CAPTAINBETTY C. KOOISTRA 05/13/2015 WIDOW OF WILLIAM A. KOOISTRARUTH M. LUTZOW 05/13/2015 WIDOW OF WILLIAM A. LUTZOWANGELINE C. ABRAMS 05/14/2015 WIDOW OF JOSEPH P. ABRAMSHELEN M. MURRAY 05/14/2015 WIDOW OF MELVIN MURRAYDOLORES NAGLE 05/17/2015 WIDOW OF WALTER E. NAGLEDONALD R DUCH 05/18/2015 FIREFIGHTERJEANNE KELLY 05/18/2015 WIDOW OF RICHARD W. KELLYCAROL E. PERISIN 05/20/2015 WIDOW OF JOSEPH PERISINWALTER M. CARLSON 05/21/2015 FIREFIGHTERPHILLIP SANFILIPPO 05/21/2015 FIREFIGHTER

CHRISTOPHER SCAPARDINE 05/22/2015 FIREFIGHTER

GEORGE SCHLOMAS 05/24/2015 LIEUTENANTMARY HONAN O'SULLIVAN 05/26/2015 WIDOW OF PETER T. O'SULLIVANRICHARD FITSCHEN 05/29/2015 BATTALION CHIEF

* Denotes information received after publication of the last newsletter Denotes died active

Our Deepest Sympathy To the Families and Friends Who Have Lost Loved Ones

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16

USEFUL PHONE NUMBERS AND WEBSITES

Firemen's Annuity & Benefi t Fund of Chicago (312) 726-5823 www.fabf.orgChicago Fire Fighters Union Local 2 (773) 536-0450 www.chicagofi refi ghtersunion.orgBenefi ts Management Offi ce (Health Insurance) (877) 299-5111 www.cityofchicago.org/benefi tsBlue Cross Blue Shield (Medical Claims) (800) 772-6895 www.bcbsil.comCommittee on Finance (Workers' Compensation) (312) 744-9879Deferred Compensation (Nationwide Retirement Solutions) (312) 443-1975 www.nrsforu.comSocial Security Administration (800) 772-1213 www.ssa.govCaremark (Prescription Drug Program) (866) 748-0028 www.caremark.comChicago Firemen's Association Credit Union (312) 791-0834 chicagofi remansacu.orgChicago Firefi ghters Credit Union (773) 581-5253 chicagofi refi ghterscu.comChicago Fire Offi cers' Association Credit Union (773) 445-1700 www.cfoacu.orgRetiree Vision/Dental Benefi ts Liaison - Jack Byrnes (312) 454-6023Firemen's Mutual Aid & Benefi t Association (312) 427-7111

Requesting Documents in Cook County:Cook County Clerk's Offi ce - Birth Certifi cates, Marriage Certifi cates, Death Certifi cates

(312) 603-7790 www.cookctyclerk.com

Cook County Clerk of Court- Divorce Decrees

(312) 603-6300 www.cookcountyclerkofcourt.org

In the special election for the remainder of the term of Annuitant or Pensioner Member of the Firemen's Annuity and Benefi t Fund of Chicago that became vacant by reason of the resignation from the position of Annuitant or Pensioner member by the current Annuitant or Pensioner member of the Retirement Board, the following votes were cast:

Douglas A. Keag 15Thomas P. Lally 124Wesley E. White 45Richard A. Graf 88Alphonso E. Lincoln 20Michael G. McMahon 61Frank P. Fogell Jr. 88Daniel A. Fortuna 1303Dennis R. Rokita 46

Total Votes Cast 1790

We wish to thank each candidate for their participation and for all those that took the time to vote.

ANNUITANT TRUSTEE ELECTION RESULTS

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ENDE, MENZER, WALSH & QUINN WIDOWS AND ORPHANS FUND ANTHONY R. MARTIN

The Ende, Menzer, Walsh & Quinn Retiree's, Widow's and Children’s Assistance Fund continues to provide fi nancial assistance to the neediest widows and orphans of the Chicago Fire Department. In 2014, the EMWQ Fund made an annual gift to our neediest widows receiving less than $1,500 a month and every orphaned benefi ciary of the pension fund. In total $675,000 was distributed representing an increase of nearly $72,000 from 2013. We were also able to make distributions of $5,000 to all minor children of fi refi ghters and paramedics who died while an active member of the department.

The gifts remain possible largely through the continued generosity of the active and retired members of the Chicago Fire Department, particularly those who continue to donate through payroll and retirement check deductions. We are extremely appreciative of the generosity of many in the community committed to helping the neediest families of our deceased brothers and sisters of the CFD. On behalf of the widows and children we are deeply grateful for your continued support.

There are many to thank for their assistance and signifi cant support for our widows and orphaned children. I would like to mention just a few: CFFU Local 2, particularly the Executive Board, the Public Relations Committee and the Stewards; the Chicago Blackhawk Alumni Association; BMO Harris Bank; CME Group; Saint Xavier University; WGN Radio and TV; Old Style Beer; North Side Fire Brigade; Guinness Beer/Diageo; the City's Comptroller's Offi ce and so many more. I would also like to thank the FABF Board and employees; the EMWQ Fund Board; and the many volunteers who we count on for their time and talent.

I also would like to remember Salvatore "Sal" Ferrara II who passed away in late November 2014. As CEO of Ferrara Candy Company, Sal was an incredibly generous supporter of the EMWQ Fund. He will be greatly missed and may he rest in peace.

Over the years, I have been committed to ensuring that we never forget the service and sacrifi ce of Chicago’s fi refi ghters and paramedics. The tremendous response our charity has had over the years demonstrates how much all of us value the legacy of many great men and women who have served on this great fi re department. There are over 1030 active members and 325 retired, disabled and widowed members who currently contribute through their payroll and pension checks. I would like invite everyone who has not enrolled in payroll or retirement check deduction to participate. I know we can do even better. Our 563 widows living on less than $1,500 a month need your help. The children that our brothers and sisters have left behind appreciate your generosity and are all grateful that we remember them and the service of our brothers and sisters who have passed away.It is impossible to individually name all those who have made our annual distribution possible as hard as we try. If you would like to sign up for active member or annuitant payroll deductions, or if there is any error in our listings, please contact John Conness by phone at (312) 726-5823 or by e-mail at [email protected]. Again, we cannot thank you enough and we appreciate your continued support.

The information set forth in this Newsletter is believed to be reliable but is not guaranteed as to accuracy or completeness by, and is not to be construed as a representation of the Firemen’s Annuity and Benefi t Fund of Chicago, the Retirement Board (the “Board”) or any individual trustee of the Board. The information and opinions contained herein are subject to change without notice. All expressions of opinion, whether or not expressly so stated, are intended merely as such and not as representations of fact. Financial information contained in this newsletter is as of a certain date, is unaudited and should not be relied on. The views and opinions expressed in the articles are those of the author and do not necessarily refl ect the offi cial policy or position of the Firemen’s Annuity and Benefi t Fund of Chicago, the Board, or any individual trustee of the Board other than the author of each article.

REQUIRED DISCLAIMER

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GIFT FUND DONATIONS APRIL 2014-APRIL 2015

April 2014 Gift Fund DonationsWilliam & Frances Alletto Barbara GlassWilliam Blake Timothy J. HayesRichard & Margaret Bouse Charles HuntingtonCFFU Charity Fund Jeff IwemaChicago Fellowship of Christian Firefi ghters James & Eileen LooneyEugene Cronin Thomas & Theresa MillerEdward Freemon Marcie PageDominick & Joanne Frigo Richard WoodJoseph M. Geraghty

May 2014 Gift Fund DonationsBeverly Bank First National Bank of Evergreen ParkRichard & Margaret Bouse James McNallyChicago Fire Department Engine 42 Herb MischoChicago Fellowship of Christian Firefi ghters Anthony SchulzMatt Drew Daphne Wilson-McClain

June 2014 Gift Fund DonationsChristine H. Adent-Delaney Mary A. DelaneyBeverly Bank Megan T. DelaneyLynette Sparkman Barnes Michael DelaneyChristopher & Maureen Belanski William G. DelaneyDeborah A. Bertoletti First National Bank of Evergreen ParkJonathan Bertoletti Jean GrotenhuisJoseph Bertoletti Laura GuiardSusan M. Bertoletti Patricia HenaghanMary Kay Blomquist Dominic HenryEileen Byrne Cal & Carolyn KaselRobert Carroll Suvit KulvaranonCFFU Charity Fund Inc. Dennis P. MorrisonJorge & Kathleen Conlon Edward J. NergerJerry Considine Robert D. NorthMichael A. Cooper Marie RoyalsLawrence & Noreen Czaszwicz Sheila M. RyanDolores A. Delaney Peter R. SantoriDonna A. Delaney James & Jill SmithErin Delaney Sue SolcaniKathleen M. Delaney Judith B. Sugarman

July 2014 Gift Fund Donations Beverly Bank Donald & Bonnie KapolnekMary Ann Cerny Keith A. KarlsonCFFU Charity Fund Inc. Ann KlochanCharles Dineen Maureen Larisey & Thomas MitchellEdward & Barbara Dovgin Henry J. LeenstraFrederick & Mary Edmond Lincoln-Way High School Dist. #210Delton H. Galbreth Caitlin G. McCaffreyGail B. Goff Robert & Dorothy MergensJeff & Amy Goldman Fred & Mary PappKevin & Alysia Hartmann Bonnie VanderCarl R. Hopkins Michael & Kathleen WalshIgnite the Spirit/Battle of the Badges Mary T. Williams

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GIFT FUND DONATIONS APRIL 2014-APRIL 2015 (cont).

August 2014 Gift Fund DonationsAnonymous Michael & Lucinda McClainBeverly Bank Robert & Margaret MoseleMary K. Campbell Margaret H. MoseleCanal Shores Golf Tournament Susan O'KeefeCFD Trench Instructors Polysystems, Inc.CFFU Charity Fund Inc. John J. Power Jr.Clyde Chambers Sr. Reimer & Karlson LLCChicago Fellowship of Christian Firefighters Kevin & Nadine RyanCity Beverage LLC Ginger SchillerBill & Diane Fagan Anthony SchulzFirewater Saloon, Inc. Diana B. SchwarzeMary A. Fountain John & Debra SmithJames & Anne Gainer Friends of Nicholas SposatoDennis & Patricia Harrington Cheryl SteffensPatrick M. Holohan Jacquelyn TermaatCarla Hubbs Brooks WatsonDaniel & Jacqueline Larisey Eric J. Wozny Sr.George & Laura Lustro

September 2014 Gift Fund DonationsThomas & Kathy Bierwirth Robert & Mary Kay JonesMichael & Sharon Brazel Mary Ellen KarpinskiEllen Brelie Donald & Dorothy KirincicBernard & Mary Alice Brice Thelma A. KruppShirley E. Connors Joseph & Alice McGingRobert E. Cribben Jr. Les Lea McGuireAnthony & Karen DeAngelis Patrick & Bridget MurphyRobert & Mary Devens Tim & Mary RoegnerPatricia Flynn Matthew RossiFriends of Bill Cunningham James & Noreen RyanDolores Furlong Frank C. SimsJudith A. Healy Stars & Stripes, Inc.William & Linda Heeren James & Judith SullivanEileen M. Hefferanan Miriam Lucila VillagranJeff Iwema Wholesale Sports DailyDon Jerome

October 2014 Gift Fund DonationsBetty Angelos Jose J. MorenoBeverly Bank Kevin O'MalleyChicago Fellowship of Christian Firefi ghters RSC Foundation, Inc.John Kubesh Taft Stettinius & Hollister LLPMark Williams Madigan Joanne Winters

November 2014 Gift Fund Donations Gerald & Kathleen Benigni My Tribute Gift Foundation, Inc.Estate of Marjorie Sue Carlson Michael & Lea O'NeillMaryEllen & Donald Demetry Margaret SchmidtPamela J. Fisher Robert SchmitJay & Kathy Heffl ey Anthony SchulzTerrence Kieffer Sheila SevierThe Latin Family Michael & Adrienne SilvermanFlorence G. Murphy United States Fire Protection, Inc.

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December 2014 Gift Fund Donations Michael Barry Richard & Janet KotlarzBeverly Bank Steven KratzIrene C. Bidinger James KuknyoDon & Dawn Bryla Paul LauberGeorge Buckner John MaddenLewis Buick Dorothy ManzieThomas R. Carmody Anthony & Bridget MartinScott Chandler MaryRose McNameeEric Check North Side Irish Fire BrigadeJoseph A. Cordero Sr. Patricia OhlsonEdward Cortes Kevin O'MalleyCreamer & Dailey Inc. Carol PatzinHazel Deacy Daniel J. PierceIngrid Delgado Robert A. Popjoy Jr.John J. Eck Samuel & Sharon RapinchukCraig Foch Donald & Gladys SchmidtJim & Gloria Fruin Walter SchuberthJames B. Fuller Michael & Rita ShanahanJames Grosh Elaine SiudaJames Guttillo Dennis SmithThomas C. Harts Steven SouthwellKathleen Hengelmann Donald StifterTimothy Hynes Kenneth & Deborah TyrrellIntegrated Health Network Richard WagnerJoseph & Lynn Kainer Michael WalshSteven Kavanagh Elaine WirthTerrence Kieffer Lillian M. WittnerJanuary 2015 Gift Fund Donations Bill & Toni Briggs Kenneth NasadowskiCallero & Callero, LLP Philip & Donita RaffertyCFD District 5 Relief Offi cers & Engineers Raymond & Frances SiebertCFFU Charity Bart & Barbara WinnEmily V. Cypranowski Michael J. WinnEdward F. Freemon Ruth WojciechowskiDolores Furlong John & Carolyn YopchickRichard & Dorothy Graf Mary E. Yopchick

February 2015 Gift Fund Donations Beverly Bank James B. McCormickPatricia Caravella Melissa MoserCFFU Charity Fund Mary NolanChicago Fellowship of Christian Firefighters Kell & Barb ReimannDale Cucinella Retirement Plan Advisors, LLCFirst National Bank of Evergreen Park Arlene RosenstockScott & Lynn Gabel Ann RuaneThomas & Lucretia Graham Charles & Mary SchauerKomatsu Orville & Mary TaylorKevin & Mary Lynn Lally Robert & Marcy TwardakMagid Glove & Safety Manufacturing Company, LLC Trevor & Hannah Wiitala

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Annuitant, Widow and Disability Monthly ContributionsWilliam AllettoAnonymousRaymond AntonucciJohn BahwellJoseph BaldacciArt BanachJohn BangsThomas BarderKevin BarrettPeter Barrientos Jr.Mariano Barron Sr.Thomas BarryRichard BastianMiguel BautistaGeorge BearyWilliam L. BeemsterboerLawrence Berg

Paul J. BezazianPrimo BiasiVincent J. BifanoGerald BinghamRick & Maureen BiskupJoe & Leemon BoatnerLewis BottandoBruce R. BottgerDaniel J. BrackenGeorge BrackinJoseph BraniganJohn BrennanJack BronkeRaymond J. BronkeRobert J. Brown Jr.William J. Burns Jr.David R. Cachares

Michael CahillWilliam F. CalkinsWilliam CampbellWalter M. CarlsonPatrick CarolanDaniel G. CarrollHelen C. CarrollJames J. CarrollJames M. CarrollWilliam M. CarrollDoreen ChambersFrancis ChambersChris Christian ElJohn A. ClancyEileen CoglianeseGary C. Conaway Sr.Michael E. Concannon

Martin L. ConnollyJames & Darlene CorbettLouis CoscoLeo J. CoxFrancis CravenCatherine CroninEugene CroninJames CrossDaniel CullenThomas CunnaneGerald CunninghamPeter CunninghamSheila CunninghamJoseph T. CurranRonald J. DawczakMike DeckelmannRobert Dehler

March 2015 Gift Fund Donations Robert & Elaine Ayers Terry LoughranAudrey L. Baness Ronald & Kathryn LyleCarol A. Branagan-Rich Patricia E. MaddenEstate of Marjorie Sue Carlson Maureen McCormickMary Carrow Thomas & Margaret MooreCladdagh Home Care, LLC Margaret M. MurphyDouglas & Mary Kay Crowley Mary NolanDale Cucinella Dennis & Ann O'BrienSuzanne DeMaria Dennis M. O'BrienLynn E. Ferguson Susan O'BrienFiremen's Mutual Aid & Benefi t Association James & Betty O'ConnorJames & Mary Fitzpatrick Brenda O'DeaThe Arthur J. Gallagher Foundation Kevin B. O'MalleyRonn F. Gannon Fred & Mary PappThomas & Mary Ellen Heim Patricia PembertonRobert & Joyce Kain Laura PurcellVernon J. Kempker Daniel S. RealHarold Knott Brian ScottDarlene Kokotan Ronald & Carol ScottKevin & Heidi Kuell Jessica Sheffi eldThomas Lally James & Barbara VossenCarl & Carolyn Landwehr James & Florence WilkinsJohn & Margaret Landwehr Robert & Julie WilsonMichael & Catherine Lipuma Kevin & Karen Wisch

April 2015 Gift Fund DonationsAnonymous John E. LedererEdna Bigda Andrea LiedtkeCFFU Charity Fund Inc. Susan K. LorenzMarilyn Collins Gabrielle MartinMatthew & Kathryn Colman Mark M. MikutaJames & Anne Gainer Patrick & Rita Jo MurphyDouglas Garfi nkel Kevin O'MalleyJustGive Patricia PembertonMichael & Colleen Kenny Mark PiperJohn & Mary Ann Kerrigan Martin & Cynthia Voss

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Sidney DembowskiLyn DeneenRobert DevensCharles DineenPauline DiniJohn DiSilvestroRichard W. DiverSean DolanRichard E. DonatiThomas DonnellanFrancis T. DorganCarla DourosLawrence DoyleEdward DuffyMichael EganClarence EllisonRaymond M. EllitchPaul EnhelderRichard E. FallsSharon B. FineronJames FitzgibbonKevin FitzpatrickThomas R. FlammGilbert W. FleischhackerMalachy R. FliskJill A. FlodstromMichael J. FlynnAlfred FrancoJoseph FurlongArnold C. GackiDavid GarciaFrancisco GarciaJohn W. GaritiDiane GatzMartin GaughanNorbert GierutBrian GilhoolyNancy T. GillFrank Gillie Jr.Thomas E. GniotMike & Sue GoeweyJohn A. GolloglyJoseph C. GraberKevin GrandKevin J. GravesWilliam F. GravesJoseph GruszkaWilliam GuilfoyleJames GuswilerMarvin R. Hagele Jr.Thomas HagueLaraine HansenWilliam J. Harte

Thomas C. HartsTerrence HartyTimothy HayesGeorge HeimNorman S. HollandRaymond HollandCarl HopkinsThomas HostyGeorge M. HowellJolynn HuelsDaniel K. HughesMichael HundrieserTimothy HuntTom L. HunterTimothy HynesMargaret IrwinSteven IvesJacquenette L. JacksonThomas JacquesAnthony JaslowskiJack P. JaslowskiWilliam JonesJames T. JoycePatrick JoyceMichael JulianoMichael JurkashMichael J. KammererSteven KeatingJames E. KehoePatrick W. KehoeRita KehoeJohn KellerMichael KingEdwin KlingerTerry KnightGeorge KordaLawrence T. KoscianskiStanley T. KotlarzRonald S. KovacsJames G. KowalKenneth P. KozlowskiGeorgina KrollJames LaFaireJames Lahey Jr.Peter D. LaMannaMark J. LanhamRobert LaSpinaJames LavertyLePear LePearEdward LeTourneauElizabeth M. LieszJustine LietzMichael Ligue

Thomas LinaneMark J. LinseLawrence J. LonerganJames J. LoughneyRichard LubyThomas L. LuczakJudith LuxLawrence MahlerJoseph MahoneyAugust MalatiaNick MarinoThomas MarkhamWilliam MarxLawrence MatkaitisGuy McAndrewLorraine McCarthyJerry McCormackJames & Patricia McCormickJames McDermottBernard McDevittMichael McDevittJames McDonoughPatrick R. McFarlandBob McGeeKevin McGinleyGerald McKeeJohn H. McKeeHelen McManusJohn McPolinJim & Joan McVadyMichael MichonRobert MierendorfMichael C. MillerJames F. MindakFrances MintleRose A. MohrMelvin MontgomeryJames L. MooreFrancis MoranPatrick J. MoranThomas F. MoranJohn MoriartyDennis MorrisseyRobert MrozekJoseph MuellerTimothy MulcahyRichard MunsonJohn MurrayTina MuscareLawrence MyersRobert NorthSven OakJames Oboikovitz

Lawrence OboikovitzJohn O'BrienJamie L. O'CallaghanAndrew J. O'DonnellDaniel O'FarrellJohn O'HareMichael K. OliverJohn OllryWilliam G. OlsonPatrick O'MalleyPhilip J. O'NeillDorothy M. OrmondKathleen Paolini-KenningtonRobert PariseBruce D. ParkerRichard V. PaulusRonald PayneMark PecorPatricia K. PembertonSam PipitoneMarian PospisilJohn J. Power Jr.Maureen E. PrendergastStanley PrysokGeraldine PunjakGeorge RadkafBruce J. RheinwaldAnthony J. RichardsHoward RimmRudolph H. Rinas Jr.Anthony RomanoArthur RosenquistKenneth RutkaJohn P. RyanPatrick M. RyanDonald B. SalzmanPatricia A. SchaudeneckerThomas J. SchergenGeorge SchlomasMichael SchoeneckerJack SeguinDaniel SheehanWilliam SheridanMichael T. ShraderWayne SieckJeffrey C. SilhanVanesse SimmonsThomas SmithJack & Lee SmithersJames SnyderPeter SotoStanley SpanJoseph M. Stefansko

Annuitant, Widow and Disability Monthly Contributions

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Active Members Contributing via Payroll Deduction *

James J. Abbatemarco Earl Abercrombie IVEdwin C. Acevedo Michael A. Ackermann John J. Adreani Luis A. Aguayo Jesus D. Aguilar Patrick J. Ahern Richard A. Alberts James P. Aldworth Christopher B. Alonzo Peter Alvarado Robin Alvarez James V. Amatore Jr.Paul E. Anderson Kevin P. Angus Michael A. Ansier Robert Arens Rodney A. Arroyo Richard Aseves Jerry T. Augustine Maximilian Avalos Lorenzo A. Ayala David J. Ayers Wesley Bailey Jason N. Baker Karen L. Baley Michael D. Balnis James E. Ban Robert A. Bansley Ronald J. Barber Guadalupe Barrera Patrick M. Barrett

Fredi Barroso Lee M. Basile Bradley A. Batka Jr.Daniel Baumgartner Lisa K. Baumgartner David Bautista Steven J. Beauregard Shelby L. Beckley David J. Bednarek Kelly A. Begley Terry J. Beiriger David M. Benz Christopher Bergquist Thomas Bierwirth Brendan P. Bigane Ronald J. Bila Malick M. Bilal Daniel Biniak Scott E. Birmingham James E. Bisbee Yonan Bitvan Thomas A. Blake William P. Block Russell Blomstrand Randall V. Board Charles M. Bober Daniel M. Bojarowicz Theodore C. Bolden Rebecca E. Bolluyt James D. Bonnett Richard A. Borsch Stephan Bosniack Jr.Timothy F. Botica

Theo D. Boykin Henri M. Boylan Patrick M. Boyle Maureen A. Bracken Russell J. Bradford Steven J. Brazel Richard Brenn Robert C. Breslin David E. Bresnahan Leroy D. Bridges Brendan J. Broderick Patrick J. Broenneke Claude D. Brown Timothy J. Brown Joseph P. Browne Cody Brumm Daniel J. Buikema Jacob M. Buikema Frank R. Burens Brian J. Burke Robert J. Burke Thomas J. Burns Michael J. Butkus Brendan P. Byrne James Byrne John Byrne Nicholas A. Caban Tony Caban William M. Cader Nicholas S. Cairo Martin J. Calkins Frank Cambria Jerry F. Cambria

Michael T. Cameron Brian J. Campbell Kristin F. Campbell Salvador Campos Kevin E. Caponera Danny R. Carbol Michael A. Carbone Jason Cardenas Sean J. Cardio Maureen A. Carey Steve M. Carlson Frank J. Carone Patrick Carr Gerald P. Carter Patrick J. Casey Christopher Catalano Joseph Catanzaro Michael B. Catlett Daniel D. Caulfi eld Mark E. Cavaletti Jesus Celis Brandon V. Cerrito Chris A. Cerrito Edward V. Chambers Patrick M. Chambers Anthony J. Chavarria Francisco Chavez Kyle J. Chazaro Michael E. Chesack Scott M. Chibe Scott D. Choate Nicholas C. Chow Robert N. Christian

Angela L. Clark Gilbert D. Clark Peter J. Clark Ramon Clark Eric Claudio Patrick C. Cleary Richard Clemens William S. Clemens Michael V. Clifford Matthew E. Clohessy Kyle H. Cloud Stephen H. Coachman Gregory S. Coco Thomas J. Cody Richard A. Colby Keith L. Cole Barry R. Coleman Niall Z. Coleman Ronald Coley Steven Collazo Andrew T. Collier Theodore K. Collins David D. Comiskey Gary K. Coney Thomas A. Connelly Brian M. Conrad Anthony J. Consola Loretto M. Coogan Patrick Coogan Nicholas J. Cook Wayne J. Cook Jamal Cooper Michael A. Cooper

Annuitant, Widow and Disability Monthly ContributionsRichard O. SterlingMary M. StevensTerrence StewartRoger StillmanRichard J. SturmJoseph SudarCornelius SullivanDennis SullivanJohn P. SuraneJames SuteraDonald SvachulaJean SwierczynskiThomas M. TafelCharles L. TannehillRichard J. TernesRobert Terzich

Anthony P. ThomasHarold J. Thompson Jr.William ThomsenElizabeth A. TinagliaDaniel TothMichael TownRobert TrenchEleanor TripamJohn TumpichLawrence P. UlanskiLawrence F. UrbaniakRobert ValentinasJoyce VanDorpJohn VidinichEdgar Wagner Jr.George Walsh

Peter WalshRobert C. WalshJohn G. WassingerDavid WhiteJean WhiteFrank J. WilliamsWinston WilliamsThomas J. WiltziusJames WinbushThomas WisniewskiEdward WitowskiRaymond WittekindB. Richard ZordanJosephine Zuccarello

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Kathleen A. Corbett Timothy M. Corcoran Edward Cornejo Daniel C. Cortez John A. Coughlan Rory P. Cox Gary V. Creager Robert E. Cribben Andrea M. Criscione John J. Cronin Monyett Crump Alberto S. Cruz Ricardo Cruz Raymond Cullen Michael J. Cummings Daniel A. Cunningham John J. Cunningham Stephen G. Curley Anthony J. Cusano Stanley Czajkowski Jr.Michael Czerwionka Daniel R. Daly Kevin M. Daly Marlon Dampier Christopher G. Davis Eric Davis Scott Davis Martha E. Dean Roy E. Dean Michael A. DeBella Daniel C. DeGryse Michael DeJesus Patrick J. Delaney Larry M. DelDotto Hector F. DeLeon Fernando Delgadillo Luis R. Delgado Jr.Daniel L. DeLisle Frank DeMarco Nicholas F. DeRango Lewis P. Dever Sean E. Devine Abi Diaz Fernando Diaz James Diaz Tyrone Dickens Juan C. Dietz William T. Diggs Michael W. Dilger Kyle T. Dillon Myron W. Dillow Salvatore DiNolfo Jr.Timothy Dobczyk Robert A. Dodovich Edward J. Doherty

Martin F. Doherty Martin J. Doherty Fredric L. Dokey Jr.Mark T. Dolibois Gregory Domel Donald M. Don Lorenzo B. Donegan Joseph W. Donovan Kevin S. Doran Kenneth P. Dorsen Kenneth Dorsey Allen P. Doucet Lauren E. Dougherty Richard T. Douglas David M. Doyle David W. Dreyer Casey C. Drezek Michael V. Dudak Patrick Duddleston Alan J. Dudek Jeffrey E. Dugger Justin Dukes Charles E. Duncan Ronnie R. Dunson Kevin P. Durkin Gary J. Duszak Ryan S. Dykema Cory T. Eason Peter Eck Mark G. Ecklund Kevin P. Edgeworth Brian Egan Joseph F. English Daniel S. Ennesser John P. Enright Ryan Enright Edgardo A. Estrada Carolina Etes Charles S. Evenson Frederick C. Exter Patrick Fahrenbach Patrick J. Farrell Vincent A. Farris Matthew J. Fasan Scott V. Fehsel William M. Fennessey Anthony E. Ferraris Michael J. Feyerer Thomas Figlioli John G. Figliuolo Andrew J. Filpi Raymond J. Fineron Brian T. Finn Patrick T. Finn Sean P. Finn

Ryan E. Finnerty Robert A. Fisher Roger M. Fisher James M. Fitzgerald Patrick Fitzgibbons John E. Fitzpatrick Brendan Fitzsimmons Garrett M. Flavin Robert Fleckenstein John G. Flood Robert Fornaciari Jr.Gary P. Fortier James J. Foster Kelvin W. Fouch Byron E. Franco James R. Francoeur Michael Franklin Jr.Matthew R. Franzen Gregroy L. Fricks Kenneth C. Fritz Thomas Fuchsgruber Ernest J. Fuentes Patrick J. Furlong Thomas P. Furlong Robert A. Gacki Ernest F. Gaichas Keith Gajeski James E. Gale Gerald A. Gallagher James J. Gallagher William F. Gallapo Patrick T. Galvin Thomas J. Galvin Hector Garcia Jose C. Garcia Paul J. Garcia Ben Garrett Patrick F. Garrity Thomas D. Garrity Robert Garza William Gathling Brandon J. Gatto Ken T. Gaynor Timothy Geers Michael P. Gettes Dean A. Giannasi John C. Gies Donald J. Gillen Walter Glaubitz John A. Gleason James T. Gleeson Darrell E. Glenn John W. Glennon Timothy J. Glover Andrew R. Goecke

Drewone Goldsmith Eugene Gomez Gregory A. Gontarek Berling L. Gonzalez Juan Gonzalez James Q. Gorman Donald P. Gosha Patrick M. Goy Matthew Graber David B. Gradolf Karl H. Graff Robert L. Graham Christopher Grande Michael P. Graves Sean C. Griffi n Timothy J. Griffi n David E. Griggs Wayne M. Grooms Lawrence Grose Scott R. Groves Richard W. Guditis Michael Guerin Alfredo Guerra Gustavo Guerra Frank A. Guerrero Anthony J. Guerrieri Grant Guibourdanche Eric C. Guiden Bryce L. Guillory Ronald P. Guinazzo Daniel J. Gullery Richard W. Gustafson Steven B. Gutzmer John E. Hall Hank M. Hamadeh Jameel B. Hamilton Kenneth J. Hanik Christopher Hansen Johanna A. Hansen Rafal S. Hapunik Kevin P. Haran Michelee P. Harrell Danny Harris John D. Harris Victor L. Harris Abdel-Naser O. Hasan Kathryn E. Hayes William Heenan Robert R. Heiberger Michael E. Hein Thomas A. Hejnowski Brian Helmold Scott M. Hemmer Johnny Hendricks Peter T. Heneghan

Paul R. Henneman Zachary M. Henry Keith W. Hermann Carlos R. Hernandez Jesus G. Hernandez Brian C. Herrli Toby J. Higginbotham Francisco S. Higgins Latina P. Hill William C. Hjelmgren Wesley J. Hodgen Joseph L. Hoefl ing Matt M. Hoff Corey M. Hojek Benjamin J. Holland John Holland Samuel A. Holloway Stephen Holmes Philip Holzman Lee Hooper Gregory G. Hovanec Jesse B. Howard Jerald Hunter Steve M. Huntington Taylor M. Hurt Charles Iglinski Jr.Michael A. Imparato Russell Inniss Dean P. Jacobs John G. Jakubec Timothy R. James Edmund J. Jantz Jeffrey Janusch Kevin M. Jeziorny Dorian R. Johnson James A. Johnson James E. Johnson Marlon W. Johnson William A. Johnson Scott A. Johnstone Cedric L. Jordan John Joyce William Joyce Brian M. Jutton Lawrence Kaczmarek Jeremy A. Kaim Joseph A. Kainer Carolee B. Kalter Peter P. Kamar Samuel H. Kamberis Michael Kamer Eileen M. Kammier Kristoffer M. Kamper Michael B. Kampfert Jessica L. Kane

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James M. Kassing Corey W. Katsibubas Edward Keating Nicholas M. Keaty Brian Kehoe Joseph D. Keneipp Ian W. Kennedy Joseph S. Kennedy Justin M. Kennedy Ronald A. Kent Joseph J. Kerzich Glen E. Keys Jr.Geoffrey Kieres Jessica L. Kilimnik Deborah L. Kilroe Raymond King Ronald D. Kirby Jr.Stuart E. Kirk Michael Kirkpatrick Robert J. Kissane Charles D. Klomfar Lawrence R. Knight Brandon B. Kolomay Garry W. Konchar Jr.Steve J. Konrath Bill Konstantopoulos Christopher S. Kopacz Jeffrey K. Koranda Robert D. Korn George Korzen Kyle A. Kostelny Kyle R. Kostelny David T. Kotek Ronald Kovacs William Kowal Andrew P. Kowaluk Skyeler L. Kowske David A. Koziol Joseph F. Kozmin Eric M. Kracinski Kevin F. Krahn Edward G. Kramer Gregory M. Kramer Lyndsay E. Krapil Steven F. Krason Brian S. Krawczyk Justin R. Kreimes Christopher O. Kreski Richard Krey Anne M. Kriz Brian P. Kroll Charles D. Krug James A. Krzeczowski Jospeh T. Kubik Steven L. Kunka

Leonard M. Kunkel Gregory M. Kurcab Chadd W. Kurgan Michael Kus William R. Labonte Jason F. Lach Shawn N. LaFleur Edward A. Lalowski Darin R. Lamb Joseph W. Lambert Jr.Leonard Lanzito Jr.John M. LaPorta Frank LaScola Gary Lassandrello Katharine Lazzava Paul J. Lea John Ledenbach Frank M. Lehner Michael Lenihan David Leon Joseph R. Leonard Andrew Lewandowski John Leyden Thomas J. LeydenNicholas C. Liberto John Limberopoulos Heather A. Linehan Nancy C. Link Brian M. Livermore Jennifer Livingston Richard A. Lona Manuel Lopez Roberto Lopez Tristan M. Lopez James M. Lopresti Neil A. Lubomski James M. Lucchesi Mitchell C. Ludwig Jeffrey A. Lyle Michael P. Lynch James D. Lyons Anthony J. Maciuszek Mark J. Madonia Charles W. Maes Patrick J. Mahoney Daniel R. Mainczyk Scott A. Malito Arthur J. Mallo Michael J. Malloy Patrick A. Malone James W. Maloney John C. Manchester Jessica L. Maples Bernard Marasa Gregory A. Mares

Giovanni Marinelli Michael A. Mark Shannon M. Markey Timothy J. Markham Brian P. Marsiglio Anthony R. Martin Barbara C. Martin Jeffrey D. Martin Kevin J. Martin Lefondra Martin Terence M. Martin Alan F. Martinez Jamie C. Martinez Seth D. Martinez Tony A. Martinez Phil Marx Neil A. Marzano Salvatore Mastrodomenico LeRian K. Mathews Ramon J. Matos David A. Matuszak William R. May Elizabeth Mazor Felix W. McAfee Kennith J. McCann Austin C. McCarthy Maureen E. McCarthy Michael McCormick Terrance McDaniel Marc J. McDermott Joseph P. McDonagh Thomas McDonagh IIJames R. McDonald Alfonso McGill John A. McGill John McGinn Stephen McGinnis Howard M. McGrath Michael R. McGrath Geoffrey McIntosh Lee Ann McKay Brian McKermitt Sean McLean Barry J. McMeel Joellyn M. McMeel Sean M. McMullin Maricolleen McNally Edward J. McNaughton Kyle B. McSweeney Michael D. McVey Daniel McVicker Evan J. Mecher Greg S. Memmesheimer Fernando Mendez

Jose A. Mendez Ruben Mendoza Brian C. Merson Thomas Meziere Douglas J. Michael Brent Michalek Gary S. Michalek Anthony Michalowicz Elizabeth A. Michna Steven G. Mientus Gerald A. Miller Robert Milostrazich Justin H. Misialek John P. Mogan William R. Monaco Michael J. Moonan Jeffery C. Moore David Morales Miguel E. Morales Samuel Morales John J. Moran Patrick H. Moran Jose Moreno Herman L. Morgan Jared M. Morris Kevin M. Morris Nino Morrone James D. Morsovillo Anthony L. Moss David R. Mueller James Mullaghy Daniel P. Mullaney Andrew F. Muller Michael J. Mulligan John T. Mullins Maire K. Mulroe Matthew J. Mulyk Gilbert Munoz Andrew S. Murkowski Joseph M. Murphy Kevin W. Murphy Shawn P. Murphy William B. Murphy Michael Muscolino Anton Muth Daniel W. Myers Kenneth Nasadowski Derrick A. Nash Robert Natale James A. Neary Christopher Nechvatal Michael Needham Kurt Nelson Robert Nelson Jeff P. Neumann

Kevin M. Newell Joseph S. Newton Robert W. Neylon George E. Nicol Thomas Niego Richard A. Niesel Kevin E. Nitsche Patrick J. Nixon Christopher Niziolek Daniel J. Nolan Samuel L. Nolan John F. Norton Gregory D. Novak Robert J. Nowicki Adalberto Nunez Mark G. Obog Michael B. O'Boyle Robert O'Boyle Gary J. O'Brien Timothy M. O'Brien Walter A. Obrochta Dennis P. O'Connell Michael O'Connell Kevin J. O'Connor Nicholas D. O'Connor Paul B. O'Connor William F. O'Connor James L. O'Donnell Thomas W. O'Donnell James O'Donovan Christopher O'Hara Kevin O'Hara Andrew E. Okon Norman D. Olsen Carl J. Olson Christopher Olszewski Sherry M. Olszewski Stephen A. O'Malley Michael O'Neill Sean P. O'Neill John W. O'Rourke Osmar R. Orozco Salvador Orozco Oscar Ortega Michael J. O'Ryan Michael O'Sullivan William P. Oswald Luis A. Otero Brian S. Otto Joseph T. Owens Patrick D. Owens Robert C. Owens Dominic G. Pacini Nicholas J. Pantaleo James Parisi

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Glen E. Parisian Michael W. Parks Steven Parlick James J. Pascalo Thomas Paston Michal A. Pawlik Jason Peace Joseph M. Pease Sean P. Peaslee Isaac Pena Peter E. Penkala Christopher E. Penny Jose L. Perez Lori A. Perez Roger Perez Michael D. Perisin Wendell Perkins-Smoot Jeff N. Perovic Nivio F. Perovich Christopher M. Perry Matthew R. Perry Michael J. Perry Joseph Peters Eric J. Peterson John C. Peterson Jr.Frank P. Phee William K. Phelan Jr.Michael J. Phillips John A. Pickert Robert W. Pietrus Frank Plescia Gary L. Podlasek Richard Poklacki Jr.Daniel Polli Luis Ponce de Leon Daniel W. Poole Randall M. Poorman Anthony P. Popelka John T. Popp Jeffrey F. Porter Joseph G. Porter Jason Powell Daniel P. Power Steven M. Powers John C. Pratl Frank Pressel Phillip P. Prestia Mark Prestigiacomo Scott J. Przystal Anthony A. Pulido Kenneth Purcell Brian P. Quaid Edwardo Quijano Joseph F. Quinn Ryan P. Quinn

William J. Quinn Erick E. Quintana David Quintavalle Elias Quintero Brian M. Rafferty Andre L. Raiford Ciry J. Ramirez Guillermo Ramirez JrJoseph Ramirez John F. Ramsey Mitchell L. Ramski Richard K. Ranos Jason W. Raymond Ronald Regan Scott Regnier Daniel Reidy Terrence P. Reilly Michael Reingruber Maria C. Reischl Michael J. Reno Mark T. Repel Barry G. Reppen Daniel J. Reynolds Daniel A. Rhodes Jeffrey R. Rich Jerome R. Rickert Alfredo Rios Anthony M. Rizzo Carlos E. Robles Elizabeth Roccasalva Michael P. Roche Thomas E. Roche Cesar L. Rodriguez David Rodriguez Mauricio Rodriguez Guillermo F. Rojas Harry J. Rolston Francesco J. Romeo John R. Rosa Debra S. Rowand Eugene B. Rowell Steven H. Ruebe Kenneth J. Ruggiero Kevin G. Russell Thomas E. Ryan Jr.Timothy F. Ryan Adam R. Ryder Paul T Ryding Matthew L. Saldana Christopher J. Salus Joseph S. Salvo William M. Samano Pedro J. Samarripa John M. Sanchez Daniel Santana

Kirby Santana John P. Sarhage Martin N. Sarhage Christina Sarnowsky Jason R. Satriano Matthew J. Saviano Shawn J. Sawyer Martin J. Scanlon Charles F. Scarberry Daniel Scheibenreif Ted J. Schneider Thorpe J. Schoenle Richard C. Schofi eld Steven H. Schulz Charles A. Scott Thomas P. Scully Daniel M. Sedory Timothy Serbin Felix A. Serrano Jr.Anthony Serritelia Michael J. Shanahan Joseph Sharrieff Daniel G. Sheahan Dennis J. Sheahan Nancy A. Sheehan Terrence Sheppard Isaac N. Sherman Eugene L. Shim IIConley K. Shirley John A. Shorter John W. Siil David Sircher Robert L. Sisson Leah Siwinski Robert A. Skalski Kortney Skelly Peter Skocz Thomas J. Skowronski John B. Skudnig Frank Smagacz Michael S. Smandra Vincent W. Smart Ashford A. Smith Burke Smith Matthew Smith Valeriea A. Smith William R. Smith Aaron M. Sniff Anthony J. Snyder Kevin M. Sobek Regina A. Sojka Jeremy V. Solana Joseph M. Solcani Michael S. Soler Daniel Solis

James P. Soludczyk Neal J. Song Brandon A. Sorensen Carlos Soria Eric M. Sosa Theodore Sosnowski Jaime Soto Anthony J. Spangelo Charles Spizzirri Steven Spreitzer Robert Stala John E. Stalzer Joseph Stanislawksi Kevin M. Stenson Robert A. Stepanek William Sterrenberg John M. Stevens Charles Stewart IIIGordon T. Stewart Michael Stewart David Stoeck Anthony E. Stolfe Rudy C. Stonitsch Alfred L. Sullins Daniel J. Sullivan Daniel M. Sullivan Devin P. Sullivan Lee W. Sullivan Matthew D. Sullivan Terrence P. Sullivan Theodore Sullivan Romas P. Sutton Thomas Sweeney Paul A. Szczygiel David J. Szymczyk Michael Tagler Steven Tanguay Michael M. Taqee Ezekiel J. Taylor Gregory W. Taylor Scott P. Taylor Todd S. Taylor Scott A. Telkamp Barry P. Temple Albert W. Tentler Greg U. Terlecky Bridgette Tertell Joseph E. Thiel Jr.Bryan C. Thomas Steve Thompson-Bey Marcellus Thornton Michael Tobar Christopher Tolbert John T. Tonne Jack W. Top

Thomas M. Torrence Patrick Tortorello Denisse Toscano Brian K. Towers Dwayne E. Tracy James T. Tracy IIIThomas J. Tragos Adam Traylor William F. Trezek Daniel R. Triggiani Robert T. Tripamer Kenneth A. Trotter Daniel A. Truesdale Angelo Tsokolas Gerard Turner Harold D. Turrentine Lorne K. Turrentine Bryan A. Tymick Thomas M. Ulanski Heriberto Valdivia Arturo Valle Michael E. VanArkel DeShawn L. Vance Kyle Varney Christian K. Vates Steve Velasco Bryan M. Velez Joseph C. Vidinich Benjamin J. Villa Curt R. Villanova Michael Vojtas Grant Vosburgh James E. Voves IIIEmilie R. Wadman John B. Wagner Christopher Walczak Ron J. Walerwoicz Edward J. Waliczek Francis M. Walsh James Walsh Jennifer M. Walsh John Walsh Joseph E. Walsh Stephanie J. Walsh Karen A. Walter Andre L. Ward Charles J. Ward Sean P. Ward Benjamin C. Ware Eric T. Washington James E. Washington Mark A. Washington Terry B. Washington Claudia Wciorka Robert G. Weel

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* The above listing may not include all members who have graciously signed up for the Active Payroll Deduction program. This listing represents members that have enrolled through the assistance of Local 2, through the stewards or at the Fund offi ce. It does not include members who signed up directly through the City. Our appreciation goes out to all members who have chosen to support the Widows’ and Children’s Assistance Fund.

Thank you to all for your generosity

Lawrence D. Wells Janet L. West Steven E. Whiters Joseph V. Whitlock Benjamin B. Whitt Robert L. Whittle Daniel P. Wiedlin Michael M. Wilhelm Andrew J. Wilk Danieal D. Williams Kenneth D. Williams

Lone M. Williams Antonio T. Wilson Michael Wilson Victor D. Wilson Kevin T. Wirtz John Wiseman John T. Wood Rashad B. Wood Lawrence C. Wooden Benjamin E. Woods Danny D. Woodville

April A. Woznicki Christopher Wuebben Phillip E. Wyatt Timothy J. Yerkes Michael J. Yniguez Stephen L. Young Martin E. Zajac Richard L. Zarate Jeffrey Zarobsky Thomas M. Zbikowski Angelo G. Zeritis

Paul R. Zeutschel Michael Zielinski Donald Ziemba Lloyd W. Ziemba Thomas A. Znavor Daniel F. Zoller Brian T. Zollner Bill M. Zupan


CHILI COOK-OFF

Mitch Ludwig E-83, Steve Bezazin Ret. E-89 and members of the Northside Fire Brigade raised $15,800 dollars from their Old Style Chili Cook-Off last year for the neediest widows and orphans of our deceased members. Guest judges included Mark Konkol from DNA Info, Chicago City Clerk Susana Mendoza and Chicago Fire Department Deputy Chief Mark Nielson. The panel was rounded out with celebrity judges David Eigenberg, Joe Minoso, and Yuri Sardarov from NBC’s hit show, Chicago Fire. As you can tell from the photo, those that attended and participated had a great time.

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FIREMEN’S ANNUITY & BENEFIT FUNDTwenty South Clark Street

Suite 1400Chicago, Illinois 60603

PRESORTED

FIRST CLASS MAIL

US POSTAGE PAID

CHICAGO, ILLINOIS

PERMIT NO. 1174

The Pension Fund Office is open Monday through Friday 8:00 a.m. until 4:30 p.m.

The Fund Office is closed on the following holidays:New Year's Day

Martin Luther King Jr. DayLincoln's Birthday

Washington's BirthdayPulaski Day

Memorial DayJuly 4th

Labor DayColumbus DayVeterans' DayThanksgiving

Christmas

PENSION FUND OFFICE OBSERVED HOLIDAYS

Presorted StandardU.S. Postage

PA I DChicago, IL

Permit No. 1174

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