ABWA’s Mission Statement The Mission of the American Business Women’ Association is to bring together businesswomen of diverse occupations and to provide opportunities for them to help themselves and others grow personally and professionally through leadership, education, networking support, and national recognition. Inside this issue: Executive Board National Theme Vision Statement Invocation, Benediction ABWA National Emblem Proud Code of Conduct Menu and National Theme Birthdays and Anniversary Committee Chairs Business Cards Ads Spotlight Member Standing Rules Program Community Happenings Meeting: Two Trees Restaurant 1955 Lewis Turner Blvd. Fort Walton Beach, Florida 32547 Networking: 5:30-6:00pm First Tuesday of each month [email protected] President: Mary Florence [email protected] Editor: Nancy Henson [email protected] Newsletter advertising is available to members. Contact the editor for additional information Shore Lines is a monthly Newsletter published by the Emerald Coast Chapter of the American Business Women’s Association for its members April 1, 2014 Hello ABWA Sisters, We had a great program in March with Retired Sgt. Major Patricia Payne. Patricia shared her stories as she moved from the military to the corporate ladder as a vice president in the banking world. Patricia gave some great ideas on what it takes to be a great leader as you are climbing the ladder. Attendance was fabulous. It was wonder to see so many guests. We had a great ABWA lunch bunch for the second month. We also participated in the Women History program at Northwest Florida State College as our Spring Enrollments Event. We hope to tap into the collage and get some of the ladies to join this wonderful association. We are excited to announce that we have a slate of officer for the upcoming year. Thanks to Jackie, Gail and Sallye for doing such an outstanding job in getting this task taken care of. We will be voting in May. I hope you got a chance to see the March Chamber Business Forum. We were lucky enough to speak about the 21st annual Billy Bowleg Boat Poker Run. Please visit http://youtu.ne/thfwrh6ESdo and check it out. Thanks to our Publicity chair for getting this all set up. By the time you read this letter we will only have one month left before the big event. I hope each of you will play a major part in making this the best Boat Poker Run EVER! Inspire and be inspired as we sparkle and shine. Don’t forget to bring two or more door prizes. We are in need of door prizes for the Boat Poker Run. We are looking for slightly used formal dresses for the Prom dress store. Please bring your donated dress to the April meeting. Z96 Radio, Santa Rosa Mall and One Wireless have set-up “The Z96 Prom Dress Store. Dresses are provided free to high school young ladies whose families might not have the financial means to purchase a dress for prom. What a great way for our ABWA Sister to help these young ladies attend the prom. Last year the store provided 111 young ladies dresses. Dixie Service Cleaners will provide dry cleaning services if necessary. Let’s help these young ladies “sparkle and shine”. For more information see the membership announcement in the newsletter. Please remember all our members that are going through some medical issues. Also, don’t forget to keep the Fife family in your thoughts and prayers. Freda will be dearly missed by this community. Mary Florence-President 2014 Leadership Team President-Mary Florence Vice President-Tammy Magee Secretary- Pam White Treasurer-Michelle Sears President Elect-Peggy Brockman Past President-Amy McBride INVOCATION BENEDICTION Lord, in the quiet of this hour, we O Guiding Spirits, Guardian of come to thee for wisdom and for our days, be with us as we go power; to view thy world through our separate ways, help us to only loved-filled eyes; to grow in feel those thoughts that lift and understanding to be wise, and bless, to know a closer bond of sure to see thy guiding light; and friendliness; to see thy beauty, thus, to know each other as thou always every day, translated knowest us. into living this we pray. Amen Amen Dinner/Table sponsor for April: and Becky Belcher ABWA’s Proud Code of Conduct 1. All members will serve as goodwill ambassadors for the American Business Women’s In Association. our May issue we will have a full tribute to 2. Members will not allow their personal beliefs and convictions to interfere with the representation of ABWA’s mission. “Frieda Fife” 3. Members will always treat their member colleagues, guests, vendors and sponsors with honesty, respect, fairness, integrity, responsibility, kindness, and in good faith. 4. Members will maintain compliance with ABWA National, Chapter and Express Network Bylaws. 5. Members will not use their personal power to advance their personal interests. 6. Members will strive for excellence in their professions by maintaining and enhancing their own business knowledge and skills, and by encouraging the professional development of other members. STANDING RULES 2013-2014 AMERICAN BUSINESS WOMEN’S ASSOCIATION EMERALD COAST CHAPTER --------------------------------------------------------------------------------------------------------------------- The regular meetings of the Emerald Coast Chapter will be the first Tuesday of each month. The Chapter’s Executive Board has the authority to approve expenditures up to $100.00 monthly. Expenditures that require a contract must be approved by the majority of members in good standing at Chapter meeting. Members may choose to be placed on the permanent reservation list. Members not on the list must make their reservations by 12noon the Friday before the meeting date. Same applies to guest reservations and cancellations. Members on the list who do not cancel their reservation by 12noon Friday before the meeting date or are no shows on meeting night will be charged for the dinner. It will be at the discretion of the Executive Board to determine whether or not a member is billed for the monthly dinner that was unable to attend the meeting due to an emergency situation. The same policy applies to a member’s guest. The hospitality chair is the point of contact for reservations or cancellations. A guest may attend three consecutive meetings in a row. Annual Chapter dues will be collected once a year in August and prorated thereafter for new members. Dues are considered delinquent after 45 days and if not paid following the October Chapter meeting. The Membership Chair will send a statement to member(s) for payment and provide a copy to the treasurer. Members will be dropped from the Chapter if dues are not paid within 10 days from date statement was mailed. New Members may purchase a name tag through the membership chair at current cost. Student chapter member dues will be waived. Committee Chairs will be given a budget line item at the beginning of each term. Any expenditure incurred beyond the committee’s budgeted line item amount that will obligate the Chapter financially must be approved by the executive committee first and approved by majority vote from the general membership before disbursing payment. Chapter meeting minutes will be printed monthly in the Chapter newsletter, “Shorelines.” Newsletter will be posted on the web-site with the exception of the treasurer’s report. The Emerald Coast Chapter specifically adopts the ABWA’s Proud Code of Conduct and it will be printed in each issue of the newsletter. A three-member nominating committee for officer elections is elected by March 31 st. Nomination committee members are nominated from the open floor and approved by general membership with a majority vote. The three nominating committee members are only eligible to run for office if they are nominated from the open floor. Only one nomination allowed per member during the open floor. A vote by general membership on the method of balloting and if the slate of officer candidates will be published prior to election meeting will be completed by March 31st. Officers are elected in May and installed in July. A two-month transition period is recommended. Officers will include: President, Vice-President, Recording Secretary, Treasurer and President Elect. The Chapter will spend up to $75.00 on gifts for outgoing president to include the purchase of past president pin. Vice President shall purchase the gift(s) in time to be presented at the July’s meeting. The Vice President will also give the report of the past chapter year. The Vice President will be responsible for the inventory of Chapter properties. Certificates for members maintaining perfect attendance for the year (1 August-1 July) will be awarded at the August Chapter meeting by the previous year’s Membership Chairman. Attendance at an area ABWA meeting, Spring Conference, National Leadership Conference and Panhandle Area Council may be counted as attendance for that month. Missed meetings may be made up one month before or one month after the missed meeting by attending the previous councils, conventions or other area ABWA meetings. A record of attendance will be given to the Membership Chair to receive credit for the missed meetings. Records of awards given for perfect attendance will be kept with the Membership Chair. In February, the Chapter Woman of the Year and Top Ten Woman nominee will be selected. Woman of the Year and Top Ten nominee will receive a new name tag with award year and will serve as the chairman for the next year and will pass on duties and timeline procedures to next Woman of the Year and Top Ten Woman nominee. The traveling award will be presented to the Women of the Year and will remain in her possession until the next election. Woman of the Year voting method will be decided by majority vote from the general membership in October. Woman of the Year approved voting method will be completed in February. Top Ten Woman nominee selected by Top Ten Selection committee will be approved by majority vote from general membership in February. The Chapter Officer, President Elect, The Top Ten nominee and Woman of the Year will be encouraged to attend the National Leadership Conference. The immediate Past President will be encouraged to attend as well providing the Chapter has been given notice by National as being a recipient of the Best Practices Award for their year. If she is unable to attend the National Leadership Conference, the current President will receive the award on behalf of the Past President and the Chapter. The Chapter will pay full registration and Top Ten Luncheon fee for the Top Ten Nominee and the Woman of the Year. If funds are available, the Chapter will pay full or partial registration for up to six persons for national leadership conference and/or regional conference. Members attending the conferences are required to attend all preselected seminars, give a report at the following Chapter meeting and submit report to be published in the newsletter. Members who want the Chapter to pay for full or partial conference expenses need to have attended or will attend a minimum of six chapter meetings and should be in good standing nationally and locally to be eligible. The Business Associate event will be held during June’s meeting. The Business Associate Chair will select committee members. The voting will be selected by an outside panel selected by the Business Associate Chair. Both committee selections and voting method will be completed in March. The form and guidelines will be presented in April and May’s newsletter. Nominations will be submitted to the Business Associate Chair no later than the third Friday in May for Business Associate committee to reviews. Business Associate approved voting method will be completed in June. Business Associate Chair will maintain a continuity folder of duties and timeline procedures to pass on to next Business Associate Chair. The Chapter will conduct a fundraiser annually for educational and professional development purposes to include local Take Stock in Children scholarships , professional development opportunities for its chapter members and the Stephen Bufton Memorial Educational Fund (SBMEF) grant and loan. Using scholarship guidelines, potential recipients and SBMEF nominees will be selected by the Scholarship committee. Monies will be based funds available. Scholarship recipients and SBMWEF nominees will be honored at May’s Chapter meeting. Funds for all scholarships will be disbursed by the Treasurer no later than January 31 of each year. The Professional Development and Education Committee will review scholarship guidelines annually. If a Chapter member is running for a national officer position the Chapter may donate up to $250.00 to her campaign. Chapter meeting minutes will be posted in the chapter’s WIN library folder. Newsletter will be posted on the web-site and in the chapter’s WIN library folder. The Treasurer’s report will be posted in the chapter’s WIN library. The Professional Development and Education Committee shall inform the membership of seminars, leadership opportunities and other professional development opportunities in the community by partnering with local Workforce Development Boards and the Small Business Administration. The committee also shall be responsible for presenting to the membership its recommendation of candidates for the SBMEF Business Skills Tuition Reimbursement and SBMEF Outright Grants. Additionally, the committee informs the general membership about the professional development programming at ABWA Regional and National leadership conferences. All opportunities will be submitted to newsletter chair by the 2nd Friday of each month. The Hospitality Committee will ensure that an active member receives a plant or flowers not to exceed $50.00 and tied with the current ABWA colored ribbon along with a card, while at home for extended illness, in the hospital or upon the loss of a spouse, child, mother, father, brother or sister. Upon the death of an active member the Hospitality Committee will ensure a plant or flowers not to exceed $50.00 tied with the current ABWA colored ribbon and a card, be delivered to the immediate family. A minimum of $25.00 memorial contribution will be made in the name of deceased to the Stephen Bufton Memorial Fund (SBMEF). The Chapter will conduct a memorial at the next Chapter meeting and the family will be notified. The Hospitality Committee will keep members informed of the needs of active chapter members in their time of crisis or deaths and will send cards as needed. The Newsletter annual cost for business card size ads for members is $40.00 and $80.00 for non-members. Full page camera ready ads for members are $25.00 per month and $50.00 for non-members per month. Ads are due to newsletter chair no later than the 15 th of each month. The guest speaker dinners will be paid out of the treasury. The Emerald Coast Chapter specifically adopts the ABWA’s Proud Code of Conduct and it will be printed in each issue of the newsletter. The Emerald Coast Chapter specifically adopts a Vision Statement and it will be printed in each issue of the newsletter and post in the chapter’s WIN library. A two-person Auditing Committee will be selected no later than June 15 th. There will also be an audit completed after the Poker Run or any major event. All correspondents’ applications must have the chapter’s correct address of P.O. Box 731, Fort Walton Beach, FL 32549. No mail should be collected by anyone other than those who have the Post Office box key. Treasurer is not allowed to participate in these Audits. The President, Vice President, and Treasurer are the only members allowed to use the Emerald Coast Chapter Credit Card for purchases from the ABWA catalog or other authorized purchases on behalf of the Chapter. The Chapter’s Standing Rules will be reviewed annually following election of officers or whenever the rules require revision and presented to membership for consideration and adoption. Maintenance of the Standing Rules will be the responsibility of the Vice President. Chapter’s FWB Chamber Representative and Okaloosa County Commission of the Status of Women Representative will have a three (3) year commitment. The chapter will pay the $100.00 fee for the Woman of the year to be nominee for the Okaloosa County Commission on the status of women wall of honor. During the year these Representatives will attend the organizational meetings and will be on the agenda of the monthly membership meeting to report. There should also be an article written for the monthly newsletter. Adopted and Approved September 3, 2013 Enjoy! Entrée Chicken Cordon Bleu W/ White Sauce Roasted Red Potatoes Sautéed Vegetables Side Salad Rolls Vegetarian Plate Sautéed Vegetables Roasted Red Potatoes Tomato and Cucumber Garnish Rolls Mr. T’s Chef Salad W/ Dressing and Crackers Dessert Cheese Cake W/ Whipped Cream Ice Tea and Coffee Monthly Networking Dinner – Members have the opportunity to host dinner o Provide table centerpieces for each table – get creative! o Marketing materials at each dinner setting o Business name in monthly newsletter as dinner sponsor o Listed as the sponsor in the RSVP email that goes out to Membership 2014 Dinner sponsors: March – Gulf Power – Nancy Henson April – First Command Financial – Pam White May – Boat Poker Run June – Business Associate July – 10 Feet from the Edge – Peggy Brockman August – Barbara Britt September - Harris Business Machines – DeAnna October - Edward Jones –Matt Ritter office Gail Waller November - Need sponsor December – Holiday party Contact: DeAnna Loftis [email protected] or (850) 585-0097 Monthly networking lunch – 11:30am on the Third Friday of each month. Bring business cards and be ready to network! Contact: Gail Waller [email protected] or (850) 685-7786 Business Card ad Your business card in each monthly newsletter – $40 annually Contact: Nancy Henson [email protected] Spring and Fall Membership Drives – o Tables provided so you can promote yourself and your business o Provide goodies and business cards for bag stuffer items o Provide door prizes Contact: Tammy Magee [email protected] or (850) 496-1142 Boat Poker Run –Saturday, May 17th from 10am – 5pm o Sponsorship opportunities o Logos on T-shirts and Captain’s package paperwork o Provide goodies and business cards for bag stuffer items o Provide door prizes Contact: Tammy Magee [email protected] or (850) 496-1142 The entire ABWA Membership is needed to help pull together our biggest fundraiser of the year! The proceeds are put towards scholarships for area children and education opportunities for our members If you are reading this WE NEED YOU! Our Poker Run is fast approaching and we need all hands on board! Take a look at the committies below and find your fit! Committies Dock Workers - POC Annie Corbett [email protected] , Sallye Belton [email protected] Registration - POC Tammy McDaniel [email protected] , Kathi Heapy [email protected] Door Prizes & Sponsors - POC Tammy Magee [email protected] , DeAnna Loftis [email protected] Party Site Committee - POC Amy McBride [email protected] , Mary Florence [email protected] Goody Bags - POC Gail Waller [email protected] Food - POC Amy McBride [email protected] , Mary Florence [email protected] It’s that time of year again! Time to choose our leaders for our 2014-2015 ABWA year! If you would like to take a more active role please contact any of the ladies below! Nominating Committee Members: Jackie Pilcher, Sallye Belton and Gail Waller ABWA Member Spotlight: Meet Pam White, Financial Advisor (by Jackie Pilcher) Pam was born in Kansas but moved about since her father was in the Air Force. She ended up here when her father chose FWB as the place to retire. The middle child of three girls, Pam stayed here and married Rick 40 years ago! They have a son, Jon, and two dogling children, Egypt and Coco. Pam gives credit to ABWA in helping her become successful in her business endeavors: first as a Bank Vice President and now as a financial advisor with First Command, passing all of her examinations on the first go! Pam and Rick enjoy Kayaking and the beach. She studied art at NW Florida state college and still enjoys drawing and painting. Pam collects art in several mediums and enjoys gargoyles. She points out that gargoyles guard Notre Dame Cathedral. June Davis introduced Pam to ABWA when she attended a Chamber function and Freda Fife was there as well. ABWA has helped Pam grow as a person. Becky Belcher handed her a large notebook assuring Pam she would be a terrific grand prize chair for the Poker Run and the rest is history! Pam has served our chapter as secretary (former and current), Treasurer, Vice President and President. She attributes these offices to helping become more confident when speaking to large groups. Pam was selected as woman of the year in 2008 and said it really influenced her and helped her self-esteem. When Pam's former position was down-sized, Rene Street emailed her letting her know that ABWA would be there to help her with no-fee classes for finding new employment. Pam also serves as a member of Business Referral Partners and the FWB Chamber of Commerce. She is a former member of the FWB Lions Club. Pam's greatest challenge is growing her financial planning business. She offers common-sense planning for one's financial future. One doesn't have to have a lot of money or assets to begin the process! She strives to help people have a better life and this is her real passion. Pam is most drawn to people who care about others and live their lives that way. She doesn't care for mean people. Pam's role model is a lady for whom she worked in banking. This lady would give Pam projects and walk away. Pam may not have known exactly what to do but she worked it out on her own and this helped her become stronger. If you glimpse Pam's beautiful blue eyes, you can most likely guess her favorite color. Pam White, Financial Planner for First Command. Why not let her help you plan Your Future (850-642-1732)? Membership notes: We will start spotlighting our new members each month! We welcome Dr. Roe to our dynamic group! She was affiliated in March 2014 at our dinner and we are excited that she has already been participating in every one of our events that she can attend- including having a table at our Fall Membership event last year. I, for one can attest to her skills – I visited her Open House at the 8th Element Wellness Clinic this weekend. I walked in with a lot of neck pain and not long after I left, realized my neck didn’t hurt anymore! Dr. Sheryl Roe D.O.M., R.N. - Acupuncture Physician has a Master’s degree in Chinese Medicine. She is nationally certified in acupuncture and herbal medicine. Dr. Roe is also a licensed herbalist and has been a registered nurse for the past 25 yrs. Dr. Roe has been treating people successfully with acupuncture and Traditional Chinese Medicine for over 14 years. Her experience and background in western medicine provide her with a unique ability to relate with and work sideby-side with western medical physicians in providing treatment for patients with a broad range of illnesses. Dr. Roe provides treatment for all types of pain, sleep, eating and smoking disorders, as well as anxiety, depression, hypertension, and auto-immune disorders such as lupus and fibromyalgia. Dr. Roe has a clear understanding of medications and medical treatments prescribed by western medicine physicians and she understands how difficult and painful some of those treatments can be. Dr. Roe spent 10 years working with leading western medicine physicians and authorities in the largest HIV/AIDS treatment center in the country. While working at that facility Ms. Roe was asked to travel to Berlin, Germany where she presented her poster and spoke at the 1993 International Conference on HIV/ AIDS. Dr. Roe spent several years providing care to both AIDS and cancer patients before she began treating patients with severe and chronic pain at a hospital pain clinic. Here she worked closely with western medicine physicians providing care for those suffering from all types of physical pain including back pain, joint and muscle pain, headaches, and migraines. Dr. Roe is a member of National Certification Council of Acupuncture and Oriental Medicine, the American Academy of Pain Management and at the Florida State Oriental Medicine Association. Dr. Roe has offices in the Navarre, Destin, and Fort Walton Beach, Florida 7552 Navarre Parkway Suite 44 Navarre, Florida 32566 [email protected] 90 Beal Parkway 4012 Commons Drive West 8th Element Wellness Clinic Suite 120 ( Skindeep Clinic) Fort Walton Beach , Florida 32548 Destin, Florida 32541 850-225-3460 www.drsroe.com “Dream as if you’ll live forever – Live as if you’ll die today” James Dean “What lies behind us and what lies before us are tiny matters compared to what lies within us” -Oliver Wendell Holmes Committee Chairs Professional Development & Education - Karyn Combs Fundraising/Advertising Chair- Trudy Romjue Membership Chair- Gail Waller Newsletter- Nancy Henson Web Design-Sherry Smith Programs-Amy McBride Publicity- Patricia Payne Hospitality-Sallye Belton Woman of the Year-Gail Waller Top Ten Nominee-Amy McBride Business Associate-Shareen Ketchem Shower of Cards-Patricia Payne Fall/Spring Enrollments-Tammy Magee Lets Advertise Your Business Here! Members $40.00 Non-Members $80.00 Business Card Ad for 1 Year NATIONAL WOMEN'S Make plans now to join us for the 2014 ABWA National Women's Leadership LEADERSHIP CONFERENCE OCT. 30-NOV. 1, 2014 OVERLAND PARK, KANSAS AT THE SHERATON OVERLAND PARK AND OVERLAND PARK CONVENTION CENTER ASSOCIATION FOUNDATION AND EDUCATIONAL RESOURCES AMERICAN BUSINESS WOMEN’S FOUNDATION (ABW Foundation) The ABW Foundation promotes networking and professional development programming designed to increase a women’s business efficacy. As a 501(c)(3) organization, the ABW Foundation provides individuals and corporations with the opportunity to help promote women by making a tax deductible donation. Among other initiatives, the ABW Foundation provides support to the American Business Women’s Association by funding special educational programming within the Women’s Instructional Network and at national events. STEPHEN BUFTON MEMORIAL EDUCATIONAL FUND (SBMEF) When five year old Stephen Bufton, son of ABWA’s founder Hilary Bufton, passed away in 1953, a memorial fund was created in his name to further educational opportunities for women, both members and non-members. The idea was enthusiastically accepted by ABWA’s Board of Directors and by 1956, $2,166 dollars was awarded in grants and loans to women. Since its inception almost sixty years ago, the Stephen Bufton Memorial Educational Fund (SBMEF) has awarded $17 million dollars in scholarships to more than 16,000 women. Originally viewed as a “small fund”, the Stephen Bufton Memorial Educational Fund (SBMEF), ABWA’s national educational fund, is one of the most highly respected grant and scholarship funds in the country. SBMEF is classified as a charitable 501(c)3 organization whereby contributions payable to the fund are tax-deductible. The fund is listed in the U.S. Internal Revenue Service “Cumulative List of Organizations” described in Section 170(c) of the IRS code of 1954 – revised Oct. 31, 1974. ABWA’s educational fund offers four scholarship programs to support women in their pursuit of knowledge; National Scholarship, Outright Grant, Business Skills Tuition Reimbursement and Impact Scholarship. Each scholarship program has a unique set of guidelines, applicant eligibility requirements and procedures. To participate in one, two, three or four of these scholarship programs, the sponsoring league and the applicant must comply with the requirements of each program. EMERALD COAST CHAPTER ABWA FORT WALTON BEACH, FLORIDA The topic for April that Pam will be speaking on is: “Create The Life You Love” EMERALD COAST CHAPTER ABWA FORT WALTON BEACH, FLORIDA Notes from your Membership Team Date: March 2014 MARCH NETWORKING LUNCH 11:30am - Third Friday of each month KMJ Diner 119 Racetrack Road, NE Left of the Emerald Coast Funeral Home – behind the gas station. KMJ is on the left side of the Pad Thai building. Plenty of parking on the right side The first lunch was a blast! Please be sure to mark your calendar and invite a guest that you have been encouraging to join ABWA. Great food! Great networking! Z96 Prom Dress Campaign We will be collecting new and gently used formal dresses at the April meeting. Clean out your closet and deliver (clean) dresses to the Membership table The 2014/2015 Membership Directory is out! Directories were passed out at the March meeting and will be passed out at the April meeting APRIL BOOTCAMP The next Bootcamp will be in April at 5:30pm at the Harris Business Machines office in the Publix Shopping Plaza – foot of the Brooks Bridge This is an informative event and we encourage all new and seasoned members to join us. This is a great way to learn what ABWA is really about and how to get the most out of your membership! Please RSVP to Gail Waller Date TBD FREE LUNCH AND LEARN – NETWORKING 101 Sponsored by Harris Business Machines April 16th 11:30am – 12:30pm Presenting Barbara Britt – a John Maxwell Certified Speaker, Trainer, Coach No one said networking is easy! Learn great networking skills or just brush up! Your Membership Team Gail Waller – Chair [email protected] Barbara Britt [email protected] Bev Bain [email protected] Lauren Gray [email protected] DeAnna Loftis Attendees can bring their own lunch or order a Lenny’s box lunch [email protected] Seating is limited – RSVP to Barbara Britt required (850) 621-7709 Open to all members and non-members. This is a great L&L to invite those people that you want to join ABWA but they are nervous about their networking skills! Harris Business Machines office in the Publix shopping plaza at the foot of the Brooks Bridge Free event and open to all members and non –members Membership Committee meeting held the last Wednesday of each month @ 11:30am at Aly’s. Please RSVP to Gail EMERALD COAST CHAPTER ABWA FORT WALTON BEACH, FLORIDA
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