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Our commitment at FCM and FCM Cares to the community is unwavering.


FCM Cares reaches first year goals. On behalf of the FCM Cares Board of Directors, it is with great pleasure I present to you the first annual giving and impact report for fiscal year 2017. I would like to say right upfront, the success and impact achieved in the various communities and charities we served in our first year of operation wouldn’t have been possible without the support of our partner organization First Community Mortgage and all of its dedicated employees. Our first-year success and all future success will rise and fall based upon the support of the FCM employees. It is remarkable to think that this time last year the foundation had just received its 501(c)(3) approval from the IRS as a charitable foundation. Next, we went immediately to the process of selecting our FCM Cares board of directors, and then began to chart out a mission, vision, and direction for our first year of operation. The FCM Cares Board did a tremendous job providing leadership, giving direction, and proper guidance every step of the way. I have challenged them all to let their creativity and passion for service help guide them in their efforts to help FCM Cares continue to grow. I look forward to seeing what’s next as we grow and expand our impact in areas that were not even on our radar at the origin of this foundation. With that, it is with great excitement and humility, I am able to announce the FCM Cares charitable foundation raised $125,543.18 in its first year of operations to benefit the communities we serve. This giving report gives you a clear picture of where these funds were used to make an impact on the various charitable organizations the board decided to support. The goal of this giving report is to provide complete transparency and accountability to all our stakeholders. Most importantly, I hope it provides a tremendous amount of motivation to help support the charitable efforts of the FCM Cares mission going forward. The board of directors decided to focus last year’s efforts around four main categories when it came to the charitable organizations we agreed to support. Those areas were as follows: Housing, Women and Children advocacy, Education, and Veterans. Also, I am pleased to report that EVERY dollar donated by FCM employees went to the various charities that were supported. Not one dollar of administrative fees was taken from the employee or FCM company donations to the foundation. Our commitment at FCM and FCM Cares to the community is unwavering. We have set a course that is promising and bright. I encourage everyone who is reading this report and seeing the great success stories contained within to join in and participate. The best is yet to come as we look to share our resources with those who need it the most.

Best Wishes,

Keith Canter CEO



OUR MISSION Being the lender of choice in every community we serve is one of the main components of the First Community Mortgage mission statement.

Giving back and helping others within the community is one way we can fulfill and make our mission statement a reality. This foundation is employee-managed and allows us to give back to our local communities in a more effective and efficient manner. We raise funds for the foundation through direct First Community Mortgage contributions, employee contributions, business partner contributions, and the fundraising efforts of our employees. Employees from the company are appointed as Directors of the foundation and distribute funds throughout the year in accordance with the foundation’s budget and the board’s approval.


2017 FCM Cares Officers & Board of Directors

Chairman & President

Keith Canter CEO of FCM



Jennifer Cothran Accounting Manager

Vice President

Samantha Meyer Chief Risk Officer


Heather McGarry

Executive Administrative Assistant

Who we are, and what we do at FCM.

Lizzy Alignamath | Loan Originator Assistant Josh Bourgeois | Lockdesk Manager Phil Carlton | President of FCM Molly Catino | Loan Originator Lynn Elkin | Regional Sales VP Emily Haynes | Closer David Bailiff | Loan Originator Kevin Hobt | SVP Post Closing Operations Kathy Horn | AVP Underwriting Manager Delegated Correspondent Stacey Patrick | Servicing Manager Loretta Roberts | SVP Compliance Marisa Shapter | Senior Marketing Analyst Jay Slone | VP Consumer Direct Division Carlene Smith | Loan Originator







2017 FCM Cares EDUCATION Charities 4 Areas of Focus

EDUCATION Andrew C. Rambo Memorial Scholarship J.C. Gordon Memorial Scholarship

WOMEN AND CHILDREN Ronald McDonald House Safe Haven Family Shelter Autism Research Institute


VETERANS Hope for the Warriors DAV Charitable Service Trust

HOUSING ASSISTANCE Habitat for Humanity MBA Open Doors Foundation





2017 FCM



100% Percentage of funds raised that went directly to charities

Number of employees at FCM


228 Number of employees who contributed to FCM Cares in 2017


Number of charities receiving donations

Total funds raised in 2017





Andrew C. Rambo Scholarship OUR SCHOLAR Michelle Rathbun | Marketing Major Michelle is from Christiana, TN studying her MBA at Middle Tennessee State University (MTSU). She earned her Bachelors degree in August 2017, graduating with a 4.0 GPA. Michelle will be graduating with her Masters in August 2018.

Who was Andy Rambo?

Andy Rambo was a Shelbyville, TN native who became the Chairman of the Board at First Community Bank and a member of the board of directors at First Community Mortgage. Rambo passed away in April of 2016. He practiced law for 42 years in his hometown, where he also served as Mayor from 1979-1983 and as City Attorney from 1983-1989. He was an avid adventurer and cared about giving back to his community. This is why FCM Cares decided to create this scholarship. He was always wanting to learn and help others learn as well.

“Receiving this particular scholarship is especially meaningful because it is the first one awarded, and it has so much meaning behind it. The scholarship is helping me finance my study abroad trip to China this year. This is something I would have never had the opportunity to do if I hadn’t received this. Keith told me Andy loved to travel so this is an excellent way to honor his memory.” Michelle Rathbun, Scholarship Recipient 12

J.C. Gordon Scholarship OUR SCHOLARS Manuel Moreno | Welding, Machining Andrew Sells | Machine Tool Technology Jacob Warren | Machine Tool Technology Reid Sisk | Machine Tool Technology, Drafting

& CAD Technology (Also President of Student Government Association.)

J.C. Gordon was one of the founders of First Community Bank. He was also an original board member of First Community Mortgage. He passed away in 2016. He is a true testament of someone who was dedicated to excellence in their craft or trade, with just a high school diploma. He made a difference in his profession and his community. Hard work was something he strived to do. Using his technical abilities helped him advance his career, which is why FCM Cares chose to contribute funds to create this scholarship to help students at TCAT (Tennessee College of Applied Technology)

Who was J.C. Gordon?

“Our institution is proud to partner with FCM Cares and the J. C. Gordon family in support of students enrolled in the Machine Tool Technology program at the Tennessee College of Applied Technology Shelbyville. Student success and workforce development are our mission. Great partners make it possible to achieve our mission.� Laura Monks, President of TCAT Shelbyville 13

Women & Children


Safe Haven Family Shelter

Safe Haven Family Shelter’s vision is to eliminate family homelessness in Middle Tennessee. Their mission is to lead the community’s efforts to house, support, empower, and advocate for families experiencing homelessness.

At Safe Haven, families are kept together and provided services that help them achieve self-sufficiency. They strive to give families the tools needed to secure housing and find stable employment. Safe Haven provides for their immediate needs of stability and shelter. It was built on the idea that parents and children must be kept together in order to ensure security, success, and self-sufficiency.

“Safe Haven Family Shelter is proud to partner with First Community Mortgage and the generous gifts received through their employee giving program, FCM Cares. The support received ensures that Safe Haven can provide transformative services to help families depart our programs with stable employment and affordable housing. Safe Haven is truly grateful for the FCM employees that have invested in our mission, and giving the best gift to our families—a place to call home.” Rachel Wilkins, Director of Development

Safe Haven Family Shelter serves 30-35 families at any one time.

Over 30 years of service to homeless families. 15

The mission of RMHC is to create, find, and support programs that directly improve the health and well-being of children and their families. It is a world where all children have access to medical care, their families are supported, and actively involved in their children’s care.

At Ronald McDonald House, families are kept together and near the medical help they need through a network of local chapters. It can now be found in more than 64 countries and regions across the world.

100% of operational & program costs are raised through the community.


Ronald McDonald House

200+ volunteers help at RMHC of Nashville alone.

475 families stayed at the House in 2017.

Autism Research Institute

The mission of the Autism Research Institute is to improve the health and well-being of people on the autism spectrum through research and the education of professionals, those who are affected, and their families.

The Autism Research Institute (ARI) is here to help set a standard of care for individuals with autism spectrum disorders. The support and learning also embraces family members. ARI relies on the donations given from caring individuals to help them advance autism research while providing information and support for families affected by autism. Their ultimate goal is to, “improve the quality of life for today’s generation of children and adults with autism spectrum disorders.”

Autism Research Institute (ARI) gave more than $1.5 million in research grants over the past 3 years.




Hope for the Warriors Foundation We believe those touched by military service can succeed at home by restoring their sense of self, family, and hope. Nationally, Hope For The Warriors provides comprehensive support programs for service members, veterans, and military families that are focused on transition, health and wellness, peer engagement, and connections to community resources.

Hope for the Warriors Foundation was founded by military families who saw how difficult it was for service members to re-enter civilian life after being impacted by war. They have a list of programs that help support veterans and their families, from transitioning to civilian life, health and wellness, sports and recreation, and community development and engagement.

DAV Charitable Service Trust

The DAV Charitable Service Trust supports physical and psychological rehabilitation programs that provide direct service to ill, injured, or wounded veterans.

What DAV Charitable Service Trust supports: - Programs ensuring quality health care for veterans. - Assisting veterans suffering from PTSD (Post Traumatic Stress Disorder), Traumatic Brain Injuries (TBI), substance abuse, and more. - Programs to enhance research and mobility for veterans with amputations, spinal cord injuries, and more. - Programs that will evaluate and address the needs of veterans from each era of conflict.

DAV - 2016 - more than 95 cents of every dollar supported programs helping veterans and their families.

Hope for the Warriors - 2016 - there was an increase of 17% in the number of services provided to service members, veterans, military families, and families of the fallen when compared to 2015.


Housing Assistance


Vision: A world where everyone has a decent place to live.

Habitat for Humanity

Habitat for Humanity partners with people in your community. They are partners from all over the world who help build or improve places people can call home. Homes are built with the help of volunteers. The best part is, Habitat homeowners can help build their own homes alongside those volunteers. Mortgages through Habitat are affordable for those looking for a solid place to build a foundation in their lives.

MBA Open Doors Foundation The MBA Opens Doors Foundation seeks to aid, nurture, and empower people and communities by developing and supporting programs that promote and defend sustainable homes for American families.

The MBA Opens Doors Foundation provides the comforts of home to families in crisis. This home grant program provides mortgage and rental assistance payment grants to parents and guardians caring for a critically ill or injured child. This allows them to take unpaid leave from work, which in turn lets them spend more time together without worrying about their home mortgage. 100% of donations go directly to making a mortgage or rental payment for a family in need.

MBA- $1.8 million raised. 1,600 families helped. 35 states reached.

Habitat for Humanity - Since 2014 - provided over $800,000 in temporary financial assistance for housing, utilities, and food. There was a 17% increase in the overall number of services last year and a 63% increase in new clients from 2014-2016.


TMO Golf Tournament


Tyler Morrissey Golf Tournament

It is hard work for many people, but a true labor of love for FCM to be involved in making this tournament happen. It helps honor Tyler’s memory and supports several valuable charities that help improve the quality of life for many people here in our home town. This year the income increased by 50 percent over last year, which means we will be able to make a difference for even more people in our community. -Keith Canter, CEO of FCM

The Tyler Morrissey Golf Tournament is held in early October at the Indian Hills Golf Course in Murfreesboro, TN. This tournament was created in honor of Tyler Morrissey, who was tragically killed in an automobile accident in 2008 when he was 21 years old. Tyler was the son of John and Melinda Morrissey, of Murfreesboro. The TMO Tournament, Tyler’s nickname (TMO), is held in celebration of his life and to support charitable organizations in the Murfreesboro area.

Over $60,000 raised in 2017, to benefit the 4th annual TMO Tournament. $40,000 donated to Christmas for the Children

$7,500 donated to FCM Cares/ J.C. Gordon Scholarship

$2,500 donated to Baylor Bramble Family

$2,500 donated to the Domestic Violence Center

$2,500 donated to CASA (Court Appointed Special Advocates)

$2,500 donated to Green House Ministries


2017 FCM Cares Donations Disbursed 1



$16,000.00 Andy Rambo Memorial Scholarship






Community Outreach Programs



TOTAl Donations disbursed for 2017 | $105,668.26






$7,500.00 J.C. Gordon Memorial Scholarship






Volunteers at FCM

“We have set a course that is promising and bright.”

“The best is yet to come as we look to share our resources with those who need it the most.” 26

2018 FCM Cares Charities Education Andrew C. Rambo Memorial Scholarship J.C. Gordon Memorial Scholarship

WOMEN AND CHILDREN Ronald McDonald House Safe Haven Family Shelter

VETERANS Hope for the Warriors

HOUSING ASSISTANCE Habitat for Humanity



Thank you for your support in 2017. We hope 2018 can be even better for FCM Cares and all of the great charities we support. Your efforts do not go unnoticed. We strive to be the lender of choice in the communities we serve. We are so thankful for our employees and the compassion they show to help those in need. If you are looking to get involved this year, please visit for more information.


First Community Mortgage (FCM) employees manage and fulfill the mission of FCM.

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