TOGETHER WE BUILD

Habitat for Humanity International Annual Report FY2015 July 1, 2014 – June 30, 2015 habitat.org EZRA MILLSTEIN Like thousands of families affected by by affected thousands of families Like that struck earthquakes the devastating Lijeesha Shahi 2-year-old Nepal in 2015, on the slept under a tarp and her family that their home was afraid sidewalk, unstable. structurally Since its founding in 1976, Habitat has helped more than 6.8 MILLION people obtain a safer place to sleep at night, along with the strength, stability and independence to build better lives.

In fiscal year 2015, Habitat served nearly An additional 1.8 MILLION 4.8 MILLION people through home construction, people now have the potential to improve incremental construction, rehabilitation, their housing conditions through a range of repairs or increased access to improved indirect services, from training in construction shelter through products and services. and financial management to advocacy efforts that changed policies and systems to allow more access to shelter solutions. EZRA MILLSTEIN Beauty Mwanza, 4, lives lives 4, Beauty Mwanza, with her grandmother in the Anna Mwansa Chipulukusu community copper belt. in Zambia’s of Their home is part Humanity Habitat for Urban Rural, Zambia’s Program. and Peri-Urban IN ALMOST 40 YEARS OF HELPING FAMILIES improve their housing situations, we at Habitat for Humanity have seen firsthand how critical housing is to families and to communities. We realized from the beginning that when we build structures,

WE ARE ALSO BUILDING… EZRA MILLSTEIN Seeti Bairwa, 5, and her 5, Seeti Bairwa, in built a new latrine family their compound in Sandela, through India, Rajasthan, with Habitat a partnership Humanity India. for DIGNITY HOPE OPPORTUNITY JASON ASTEROS

The planets of the solar system float on the walls of Zachary Cook’s room, but his feet are firmly planted on the solid foundation of a Habitat home in Kansas. TOGETHER WE ARE HABITAT TOGETHER WE BUILD JASON ASTEROS Laura, Kevin and Andy and Kevin Laura, happier and Ksor live in the healthier lives helped house their parents build with Habitat for (North Humanity Charlotte Eight-year-old Carolina). living remembers Kevin in a small, with relatives house that overcrowded “I am just so had mice. — a new life make to happy said a new start,” have to Chan. his mother, LETTER FROM THE CEO 3 BY THE NUMBERS 4 WE BUILD INNOVATION 9 WE BUILD HOPE AND PRIDE 15 WE BUILD COMMUNITIES 19 WE BUILD HEALTH 23 WE BUILD PERSONAL EMPOWERMENT FOR WOMEN AND GIRLS 27 WE BUILD ECONOMIC INDEPENDENCE 31 WE BUILD GLOBAL IMPACT 35 TOGETHER LETTER FROM BOARD CHAIR 38 WE BUILD WITH A COMMITMENT TO GLOBAL STEWARDSHIP 39 WE BUILD WE BUILD PARTNERSHIPS 42 BOARD OF DIRECTORS AND SENIOR LEADERSHIP 53 HABITAT FOR HUMANITY INTERNATIONAL OFFICES 54 Habitat for Humanity International Annual Report FY2015 July 1, 2014 – June 30, 2015 habitat.org

TOGETHER, WE BUILD HABITAT FOR HUMANITY COLOMBIA / CARLOS REALPE BETTER LIVES AROUND THE WORLD TOGETHER WE ARE

IN ALMOST 40 YEARS of helping was able to finish law school because of families improve their housing situa- the stability provided by living in a safe, HABITAT. tions, we at Habitat for Humanity have permanent, decent home. seen firsthand how critical housing is to We also know that housing is just as families and to communities. We realized important to the health of a community from the beginning that when we build as it is to the health of individuals. In- TOGETHER structures, we are also building dignity, vesting in sustainable, affordable housing hope and opportunity. It is about helping attracts new businesses, creates jobs families lift themselves out of poverty to and, many times, makes communities WE BUILD. become self-sufficient. Our efforts help safer. On many occasions when Habitat people realize improvements in health, has served as a catalyst and organizer, education outcomes and employment, and communities have rallied together to we have been instrumental in revitalizing develop innovative ideas that lead to and their three children. We worked hard whom we partner will still have challeng- communities and changing policies and positive change. In addition, homes in mixing cement by hand, filling endless es to address. But we can provide hope, systems that hinder access to adequate many disaster-prone areas are now better buckets and lifting large bricks onto walls and we can create opportunities so that shelter. At its core, Habitat is also about able to withstand the damage caused by at high altitude. people feel like they have a chance for giving meaning to volunteers and support- earthquakes and storms. As one of our team members said, their lives to be better and their commu- ers. In this annual report, you will learn “It’s expensive to be poor.” Families tend nities to be stronger. Imagine a 3-year-old who is so excit- about many examples of transformation to pay more per square foot in rent and We can’t do it without faithful sup- ed about having a bathroom in her home that have taken place as a result of Hab- get less value for their scarce income. Be- porters like you, and we are grateful for that she gets up every morning to clean itat’s work. The photo that accompanies cause no banks will give them loans, they your time, your prayers, your efforts and the sink. Imagine feeling like you have no this letter focuses on a little boy named save up to buy a few bricks at a time. your donations. Together we are Habitat. purpose in life until volunteering along- Darwin whose house I worked on recent- Rosalbina’s improved home certainly Together we build. side other families to help them create a ly in Colombia. He has lived in a house- won’t solve all the family’s problems, but simple, decent place to live changes your hold of women all his life, and he delight- they will now have a safe, secure place to outlook. Imagine moving into a healthy ed in the kind of acrobatics I always did grow, be healthy and thrive. environment after raising children in with my children. My team expanded and That is Habitat’s goal. We alone can’t what had been labeled a “lead deathtrap.” upgraded the home that his grandmother solve all the world’s housing problems, Jonathan T.M. Reckford And imagine being a young woman who Rosalbina shares with her two daughters and the families and communities with CEO, Habitat for Humanity International

3 BY THE NUMBERS HABITAT FOR HUMANITY CAMBODIA FOR HUMANITY HABITAT 1 OUT OF EVERY 4 People on the planet live in poverty housing.

15,000 Women have participated in National Women Build Week.

851 94 ReStores ReStores Since 1976, Habitat has helped operate operate more than 6.8 million people meet in the U.S. in Canada. their affordable housing needs.

1,500 More than 1,500 affiliates and national organizations are working at the grassroots level in more than 70 + countries to help transform MILLION lives and communities 6.8 through affordable housing.

5 More than 2 million EZRA MILLSTEIN volunteers are mobilized annually to build, advocate and raise awareness about the global need for shelter.

Julia Rowe (left), volunteer engagement director at Habitat for Humanity of South Palm Beach County (Florida), helps Erica Lubin create flower boxes as part of a Girls Build event. 2 MILLION+ 20,000 5,000 Habitat for Humanity El Salvador Habitat for Humanity Malawi has served 20,000 families. served more than 5,000 clients through housing support services and distributed more than 10,000 100,633 energy-saving stoves to families Habitat for Humanity Honduras affected by a January 2015 flood. completed work on its 20,000th house in April 2015, which represents 100,633 Hondurans who 28,000 now have a decent place to live. Vulnerable group households were served throughout Europe, the Middle East and Africa. 276,675 Habitat for Humanity Haiti marked the fifth anniversary since a

devastating earthquake struck 27 Habitat for Humanity Philippines in 2010. Habitat for Humanity celebrated its 27th anniversary SINGAPORE FOR HUMANITY HABITAT Haiti has helped 55,335 families in May 2015. — about 276,675 individuals — through its disaster recovery program and subsequent 6,000+

community development activities. 18 The seventh anniversary of Bare Your Sole, a flagship Habitat for Humanity Indonesia event for Habitat for Humanity Singapore, drew more celebrated its 18th anniversary than 6,000 people, who took off their shoes to walk in May 2015. 100 either 2 or 4 kilometers. Bare Your Sole raised almost The Aboriginal Housing Program US$260,000, the second-highest amount since the event built its 100th home, by Habitat launched in 2009. The funds will go toward Project for Humanity Edmonton in Slave HomeWorks, Habitat Singapore’s program to clean up Lake, Canada. the homes of the elderly or disabled.

7 EZRA MILLSTEIN Tentu Chula weaves baskets baskets Chula weaves Tentu his income for provide to Uttarakhand in India’s family lives The 75-year-old state. in a Habitat with his family in house his son helped build the floods after village Kakadu and landslides of 2013. TOGETHER WE BUILD INNOVATION

9 Ten years after their home was destroyed by Hurricane Katrina, assistant schoolteacher Tracey Davison (center) and her four daughters — Ashunti (from left), Karly, Majsa and Nylah — reflect on the blessing of their Habitat home. They are among 20 families in Pascagoula, Mississippi, who built new houses during the 2008 Jimmy & Rosalynn Carter Work Project.

EZRA MILLSTEIN EZRA MILLSTEIN

BECAUSE HABITAT FOR neighborhood revitalization efforts help make aging in place possible. Our housing work encompasses so many approaches HUMANITY SO STRONGLY people with the upkeep of their homes and microfinance efforts create access to because we know that decent shelter is BELIEVES in building strength, stability also help communities look beyond those small loans so that families are able to something we all need to thrive. Everything and self-reliance through shelter, we individual houses to enhance multiple undertake home improvements. Our water, we do is a step toward a world where constantly find new ways to partner with homes and the surrounding neighborhood. sanitation and hygiene projects create everyone has a decent place to live. families so that they have the right tools to We help seniors remain in their homes by sources of clean water and deliver health improve their lives. Our home repair and facilitating the small modifications that training. And the list goes on. Habitat’s DEALING WITH DISASTER

After a massive earthquake struck Nepal on April 25, Tracey Davison’s house — indeed, most of her neigh- Habitat swung into action, managing volunteer rubble borhood in Pascagoula, Mississippi — was destroyed by removal, distributing water backpacks and delivering Hurricane Katrina in 2005. But she never gave up work- transitional shelter kits. By the end of fiscal year 2015, ing for a better home, and she taught her four daughters more than 20,000 water backpacks had been distributed never to give up. In 2015, she stood on the porch of her and 1,600 transitional shelter kits had been delivered. Habitat home and remembered. Twenty-one demonstration transitional shelters also “Right over there,” she said. “I had all these won- were built. Our approach to disaster response goes be- derful people, including President Carter and his wife, yond immediate relief to provide for transitional shelter standing on my front lawn in a circle praying, right be- and, ultimately, core house construction. fore they started slamming hammers on this house. I tell Savitri, 35, has been raising her four children, ages 3 to the girls, ‘This is a chosen house. This is a chosen house.’” 17, alone since her husband died in late 2014. When the Similar scenes play out across the globe. In Kakadu vil- magnitude-7.8 earthquake hit Nepal, Savitri, then working lage in India’s mountainous Uttarakhand state, a 75-year- as a domestic helper, and the children fled her employer’s old basket weaver named Tentu lives with his family in a house near Kathmandu and stayed out in the rain for the Habitat house his son helped build after devastating floods next two nights before a neighbor took them in. and landslides struck in June 2013. The well-built home When another earthquake hit on May 12, Savitri has a solid concrete foundation and steel-reinforced brick Nine-year-old Harley McClain pitched in with her family’s sweat thought, “This is it. This is the end. My kids and I are all walls. It has allowed Tentu’s 15-year-old grandson, Sagar, equity by cleaning up around the work site in Foley, Alabama, on the Gulf Coast. The family moved from a camper to a storm- going to die here and now.” to dream big dreams: He wants to be a doctor. resilient Habitat house.

On June 4, Habitat for Humanity Nepal distribut- “It is hard,” Sagar said of the path he has chosen. “It is FOR HUMANITY HABITAT COUNTY BALDWIN ed transitional shelter kits in Savitri’s community of a little bit harder than others. But I want to learn more. I Bhetwalthok, in the Panchkhal municipality of the Kavre will do my best.” That is great news for the McClain family of Foley, district. Habitat staff members and volunteers helped Flooding struck India again in September 2014, this Alabama. The family of five no longer has to ride out

EZRA MILLSTEIN her build a transitional shelter. Now Savitri has one less time in the east. Again, Habitat for Humanity was there to tropical storms in the travel trailer they once called worry — her children will not have to stay in a damaged rebuild. Eleven-year-old Deepika and her family were able home. They are now living in their first real house, built house. She hopes other families will find the help they to move into a new Habitat India home, where comfort on a sturdy foundation of insulated concrete forms and need in the aftermath of the earthquakes. and security have displaced anxiety and fear. with wind-resistant windows and doors. Habitat always looks for long-term solutions and For families around the world, Habitat homes are a Vaughn and Sheila McClain recognize their blessings prevention. After disaster strikes, whether it’s a hurricane step up — sometimes literally — to higher ground. and continued to volunteer with Habitat after completing along the U.S. Gulf Coast, flooding in India or an earth- Where higher ground isn’t available, there’s the their sweat-equity requirement. quake in Nepal, Habitat focuses on rebuilding neigh- FORTIFIED program, a partnership with the Travelers “We’ve already accomplished it, and we’re still going,” borhoods, restoring normalcy and helping communities Foundation to build homes that can resist high winds Sheila McClain told a reporter. “It’s about helping other prepare for the future. along the hurricane-prone U.S. East and Gulf coasts. families achieve their dreams.”

11 Kabwe Chongo, 9, is the grand- son of Habitat homeowner COLLABORATING Bupe Mpanda. Bupe has lived in her home since January 2013 and takes care of five grand- children. The house was built TO GET THE JOB DONE as part of Habitat Zambia’s orphans and vulnerable children program, launched in 2005 in response to the HIV/AIDS epi- demic that has created an over- whelming number of orphans. We don’t try to do it all ourselves. banks in Tajikistan have high-interest, The program is supported by Irish Aid through Habitat for Habitat collaborates with financial in- short-term loans, which are very hard to Humanity Ireland, and is being stitutions in other countries to provide pay off. Habitat Tajikistan offers afford- implemented in Ndola in the Copperbelt Province and in resources that low-income people need able loans, and I am confident about the urban slums around Lusaka. to improve their homes’ infrastructure quality of the products.” and sanitary conditions. In Latin America and the Caribbe- In Tajikistan, more than 70 percent an, Habitat’s Center for Innovation in of families live in substandard condi- Shelter and Finance began a collabora- tions, and many live on limited incomes tion with Habitat Mexico to start a new with no access to traditional mortgages. entity that would channel financing and These families often do not need a new technical assistance to expand home home; they simply need to improve their improvement access. current homes bit by bit. In Nicaragua, more than half of Alieva Maksatoy lives with her two the families in the rural community daughters in northern Tajikistan. Her of La Gallina did not have access to a husband and son work in Russia as sea- latrine, and 80 percent of the existing sonal migrant laborers. With the money latrines were in very poor condition. they sent back home, the family built Many residents also lacked access to safe a nice three-bedroom house, but they water sources. With Habitat’s support, a could not finish it off with proper win- decentralized water supply and treatment dows and doors. Winter was coming, and system was installed with a distribution the family could not afford to prepare the network that reaches the whole com- house for the cold. But thanks to a loan munity. A water, sanitation and hygiene from Habitat Tajikistan, Maksatoy was committee manages and maintains the able to install windows and doors to keep system, and trained community orga- the heat inside the house. nizers provide hygiene education. Sixty “It was very relieving to find out that ecological sanitation units have been I can winterize my house with the help built, benefiting 320 people. of Habitat Tajikistan,” she said. “Most EZRA MILLSTEIN HELPING OUR ELDERS AND TRAINING YOUNG LEADERS

A seemingly small change can make a huge difference in an older person’s quality of life. Melody Wang, president of Oliver Rollins, 72, still lives in the Memphis, Tennessee, the Habitat campus chapter at Southern Methodist University, home where he raised his children. But now he lives alone, and served as a volunteer during the LaKisha Erwin (left), Indian River 2014 Jimmy & Rosalynn Carter it’s harder to maintain the house. Habitat for Humanity’s manager Work Project in Dallas, Texas. Habitat for Humanity of Greater Memphis has noticed in of neighborhood revitalization, visits with homeowner Martha recent years that the bulk of its home rehabs, critical repairs McDougald, who partnered with and weatherization jobs are on homes occupied by older adults Habitat for repairs to her Vero Beach, Florida, home. with low incomes. INDIAN RIVER HABITAT FOR HUMANITY INDIAN RIVER HABITAT EZRA MILLSTEIN

“We believe seniors will thrive when they can stay in a EZRA MILLSTEIN place that’s familiar to them,” Dwayne Spencer, president and CEO of Greater Memphis Habitat, told a local TV station. “Words can’t express the way I feel about the situation,” Rollins said as his home was being repaired. “I can’t get my words together for the work they have done for me and how thankful I am for them.” While taking care to serve our elders, Habitat also works to develop new generations of leaders through campus chapters, Collegiate Challenge and Learn and Build Experience ser- vice vacations, and Act! Speak! Build! Week, in which young volunteers advocate for decent, affordable shelter by engaging their communities and elected officials. FY2015 also marked the first year that the Latin America and Caribbean area office organized the Young Leaders Build in seven countries. Advocacy. Disaster response and recovery. Microfinance support for incremental building. Community improvement initiatives. Home preservation assistance and education. With U.S. Representative Sanford Bishop of Georgia (second from right) and Habitat’s help, homeowners gain access to the resources they a member of his staff meet with Dana Jackson of Habitat for Humanity need to build a better life for themselves and their families. International (right); Ryan Willoughby, executive director of Habitat for Humanity of Georgia (left); and Jonathan Reckford, CEO of Habitat for Humanity International (second from left), during Habitat on the Hill 2015, Habitat’s annual legislative and advocacy conference in Washington, D.C.

13 Jo and John Flowers have been filling bottles BOB JACOB and fetching tools — and so much more — since construction began on the first house on this cul-de-sac of Habitat homes in Lovejoy, 30 miles south of Atlanta, Georgia. The couple, who got help with painting and home repairs from Habitat in 2014, volunteer with Southern Crescent Habitat 40 to 60 hours a week. Seventy to 90 percent of Habitat’s repair work serves families older than 50 — John is 67, and Jo is 61. Habitat relies on the kindness of volunteers like Jo and John to change the lives of Habitat partner homeowners. TOGETHER WE BUILD HOPE AND PRIDE

15 JASON ASTEROS THREE-YEAR-OLD ANA MARIA ALDANA had news she could not wait to share with just about anyone she came across. As soon as her mother partnered with Habitat for Humanity Colombia to renovate their one- room home — and then make incremental im- provements and additions over time — young Ana Maria wanted everyone to know that the family now had a bathroom and a shower. “I know it’s illogical that a girl would say we have a bathroom, since it’s normal for everyone to have a bathroom,” said her mother, Monica, a teacher in Soacha. “My little baby would tell the neighbors, and people would just look at her. But how was she to know that was normal? We didn’t h av e on e .” Monica Aldana described their pre-Habitat living conditions as terrible. The family of six lived in the 10-by-10-foot one-room structure that they were trying to build themselves, with no ventila- tion and no bathroom or kitchen. And the Aldanas were not alone in their struggle: Nearly one-third of Colombian households lack adequate housing. Monica Aldana, a In many countries, the problem is even worse. preschool teacher in Soacha, Colombia, “Truth is, we were really in a bad way,” Aldana renovated her one- room home and said. “I felt very frustrated because I could not give made incremental (the children) what I knew I had to give them as a additions, including a bathroom and mom. I used to cry a lot.” shower, with help Aldana’s partnership with Habitat addressed from Habitat for Humanity Colombia. those immediate needs and resulted in an im- proved concrete floor and plans for a second stage of building. “For the children, it is a very big change,” Aldana said. “Before, they would tell me they were ashamed that their friends would find out where they lived. Now they invite them over. “What Habitat did was not only put up walls, but put up hope. They put life into my home.” INADEQUATE HOUSING OFTEN LEADS TO SHAME

At 16, Jasmin Valdovinos was ashamed of her fam- house in Federal Way, Washington. Jasmin and her ily’s trailer home near Seattle, Washington. It had boyfriend worked on it too, under adult supervision. drafty windows, inadequate heating and standing “Everyone is so nice. I love the volunteers!” water, and she didn’t want anyone to know she lived Mireya Valdovinos said. “It’s so nice to have people there. Whenever someone would give her a lift give back, and it’s very inspiring to see people give home, she would ask to be dropped off at a nicer their time to others. It’s such a blessing to have house up the street — the one with the red door. been chosen. You don’t know how happy I am.” Jasmin’s mother, Mireya Valdovinos, a certified When the work was all done, Mireya Valdovi- nurse’s assistant, wanted something better for Jasmin nos, Jasmin, Alexa and Aiden received the keys to and her other two children, Alexa, 4, and Aiden, 3. their new home. It was a new neighborhood for After Mireya qualified to partner with Habitat them, but they’ve never had trouble finding the for Humanity Seattle-King County, she and 256 right house. It’s the one with the red door. Delta Air Lines employees gutted and renovated a The Valdovinos family and their new home. HABITAT FOR HUMANITY OF SEATTLE-KING COUNTY OF SEATTLE-KING FOR HUMANITY HABITAT

HOMEOWNERS AREN’T THE ONLY ONES WHO BENEFIT

One of the volunteers who helped reno- light flooding her life once she started D.C. At age 26, she became one of Habitat’s truly important in life: family, community vate the Valdovinos’ house was Tammy volunteering with Habitat. youngest certified Global Village leaders, and shared humanity. Aguilar, who works at Delta Air Lines. “Helping to empower those without overseeing Habitat building trips overseas. “Volunteering with Habitat both “Everybody in life wants something opportunity — that is the only thing I Volunteering with Global Village, empowers communities and centers that means something, and I love being have ever found that is worth living for, Bond-Yancey said, means empowering volunteers,” she said. “The impact is both a flight attendant, but my real value is which empowers me to overcome my own families and their communities to over- immediate and lasting. That first build (in working on projects like this and getting obstacles,” she said. come seemingly insurmountable obsta- Thailand) changed my life so profoundly other people involved,” Aguilar said. “The Bond-Yancey has built with Habitat in cles. It means creating lasting partnerships that within one year, I went from dread- reward is just incredible.” Thailand, New Zealand and Indonesia and that shatter prejudice and heal intercultur- ing my past and future simultaneously to Sarah Bond-Yancey can attest to that. served as a Habitat youth advocacy delegate al divisions. It also means stepping outside pouring all of my energy into refocusing After suffering in the darkness of depres- at Habitat on the Hill, the annual legislative of one’s own set of often all-consuming my life on my original passions: serving sion for years, Bond-Yancey found new and advocacy conference in Washington, personal issues and refocusing on what is others and solving global challenges.”

17 JASON ASTEROS Rebekah and Paris and Paris Rebekah now big dreams have moved that they’ve their new home. into watched have They their single mother to work of four them out of move that were apartments small with no too outside play place to a close-knit and into community in Denver, that allows Colorado, grow. really them to TOGETHER WE BUILD COMMUNITIES

19 HABITAT FOR HUMANITY PORTLAND/METRO EAST YONDELLA HALL LOVES HER COMMUNITY of Cully, a diverse neighborhood in Portland, Oregon, where the resi- dents look out for one another. But as her old house deterio- rated, she worried about whether she would be able to stay. “At first I could see bubbling in the living room ceiling and wall,” Hall said. “And then water started leaking through. I came home every day worried that my roof might collapse.” Hall heard about Habitat for Humanity Portland/Metro East’s Neighborhood Revitalization work in Cully, which includes helping homeowners with critical home repairs and preservation. She soon learned that the leak in her living room was much more complicated than she had thought. “I live in an older home, but I had no idea what this leak re- ally entailed until Habitat came out,” she said. “It wasn’t just the roof; it was the gutters and structural problems with the back porch. Habitat educated me not only on the repairs, but on the health issues, too. I didn’t know how leaking and standing water could affect my health.” Through an affordable Habitat loan, Hall was able to buy a new roof and gutter system. Habitat also connected her with Verde, an organization focused on building environmental wealth in communities, which helped her install a rain gar- den in her backyard, directing runoff from her roof to sustain a beautiful, functional native plant garden. “I used to get nervous when the rain came because I knew it would mean leaking and flooding,” Hall said. “Now I get excited because I get to watch my rain garden grow.” She expressed her gratitude as she looked forward to many more years in her home and in the Cully neighbor- hood. “I love feeling connected to my community,” she said. “Habitat not only helped me repair my home, but it made me feel like a bigger part of the community.” At Habitat, we build communities, and we also help strengthen existing communities like Cully through partner- ships that help maintain pride and dignity for homeowners. People deserve safe, affordable homes, but they also need a healthy community environment in which to thrive. Research shows that when residents of a neighborhood feel they belong DEVELOPING to a vibrant, connected community, they are more likely to forge bonds of social capital. Their collective action can A THRIVING reduce neighborhood crime, revitalize the housing stock, turn weedy vacant lots into playgrounds, or get speed bumps installed on streets where children play. COMMUNITY Habitat for Humanity spurs some of these changes through our neighborhood revitalization work, with participating affiliates partnering with specific communities and frequently combining the construction of new Habitat homes with repairs on existing homes. Habitat’s neighborhood revitalization is a holistic community development effort that leads to an en- hanced quality of life for an entire neighborhood and everyone who lives there. Surveys have shown that residents appreciate that their lives are better for having had Habitat partner with their communities. Habitat for Humanity Fresno County (California) has been partnering with the residents of the West Fresno neigh- JASON ASTEROS borhood since 2010. According to a 2015 survey, residents said they attended more community meetings, felt safer walk- In Denver, Colorado, Angel Meza knew she “I love my neighbors,” she said. “We’re really ing in the neighborhood after dark and were more satisfied in needed not just a decent, affordable home, but also close with each other, and we know each other’s general living in the neighborhood. a community where her family could flourish. For story, and we kind of had the same struggles in In Jacksonville, Florida, members of the New Town years, she and her four children moved from rent- the past. And now that we have been blessed community, the focus community of Habitat for Humanity al to rental, most of them too small. “They weren’t with a Habitat home, we are on the right track for of Jacksonville, reported increased interactions with their in the best neighborhoods,” she recalled. “It’s kind getting our family where they need to be when it neighbors and said they were more likely to recommend the of a chain reaction where you find the cheaper comes to the success that they deserve. neighborhood to others. rent, but the schooling isn’t the greatest. Can your “I really feel like we have an amazing commu- kids play outside? Who are your neighbors?” nity,” she continued.“You know, I helped pour the Meza qualified to become a homeowner concrete for my next door neighbor over here; I partner with Habitat for Humanity of Metro put in the windows for my neighbor over here. Denver, and was soon part of a community of And at the end when everything’s said and done new homes built by homeowner partners and and we’re standing on our completed porches and volunteers during the Jimmy & Rosalynn Carter we actually have our beautiful dream behind us Work Project there. and we actually move in, we’re giving high-fives and being like, ‘Yes! We did this!’”

21 EZRA MILLSTEIN Zoe Bulik of Veresegyház, Veresegyház, Zoe Bulik of in a years for lived Hungary, house with no insulation and team Village A Global mold. their insulate helped her family improvements. home and make TOGETHER WE BUILD HEALTH

23 EZRA MILLSTEIN NO HOME SHOULD BRING harm instead of good, sickness instead of health, heartache instead of hope. But the hard truth is that families in your community and around the world face those scenarios every day. Jayson and Jadira Clark lived with their children in an apartment in Rochester, New York, that Jadira called a “lead deathtrap.” In a small town in Wisconsin, Michael and Kaylah Martin lived in a mold-infested apartment that caused their children, Brianna, 5, and Levi, 2, to develop asthma. For these families and millions more globally, a de- cent, affordable place to call home increases the chance for their children to grow up healthy. “A safe, decent, affordable home is like a vaccine,” Dr. Megan Sandel of the Boston University School of Med- icine testified to Congress in 2007. “It literally prevents disease. A safe home can prevent mental health and devel- opmental problems. A decent home may prevent asthma or lead poisoning, and an affordable home can prevent stunted growth and unnecessary hospitalizations.” Habitat homes have changed the lives of the Clark and Martin families and thousands more while fostering BETTER economic stability and self-reliance. A national survey of Habitat homeowners in the U.S. found that 74 percent said SANITATION their families’ overall health had improved since moving into their home. MEANS When the Martins were chosen to be a Habitat part- ner family, “I started hammering on our house, and I’ve BETTER HEALTH also worked on other houses and at the Habitat ReStore,” Kaylah said. Jagdish Bairwa, 48, and his family have About a week after they moved into their new Habi- benefited from the private latrine they built in tat home, Kaylah looked around in wonder. “I remember their compound in Rajasthan, India, with help from Habitat for Humanity. Bairwa’s oldest son, saying, ‘This is amazing. This is our home!’” Rameshwar, suffers from polio and depended That gratitude, optimism and sense of accomplish- on others to take him into fields before the latrine was built. Such water and sanitation ment cannot be mistaken. projects are very different from Habitat’s construction and home rehabilitation work in the U.S., but both provide significant health improvements for families. Jayson and Jadira Clark and their children (from left) Jaynisee and Kevin stand in gratitude in front of their new home. They lived in a cramped and deteriorating apartment in Rochester, New York, where toxic lead threatened the health of the couple, their children, and Jayson’s 16-year-old brother. They are now one of many families living in safe, affordable homes because of Habitat and its donors.

FLOWER CITY HABITAT FOR HUMANITY, ROCHESTER, NY CLEARLY ESCAPING A TOXIC APARTMENT While the Martins have learned what damage caused by mice. And when the HEALTHIER it’s like to live in a mold-free home, the apartment’s old windows failed to protect Clarks have learned what living in a lead- the family from frigid winter winds and A young boy stands under water free environment means to their children. humid summer nights, Jayson and Jadira flowing from a new well built as part of a water, sanitation For nearly five years, the Clarks lived had to pay half the expense for new ones. and hygiene project in Mkak in a cramped, deteriorating apartment Although both are employed full time, Village, Cambodia. Having a clean, readily available source in Rochester with their son Kevin, 5; they struggled to make ends meet. of water for drinking, washing daughter Jaynisse, 3; and Jayson’s brother Through their partnership with and cooking is vital to ensuring

families around the world have HABITAT FOR HUMANITY CAMBODIA Jaycob, 16. A test during a routine check- Habitat for Humanity, Jayson and Jadira a healthy future. up revealed elevated lead levels in Kevin’s have built a healthy house of their own. blood, with Jaynisse and the rest of the Their Habitat house gives the family a family also at risk. strong foundation, room to breathe, and Jayson and Jadira did their best the opportunity to experience better to remove the toxin from their apart- health, to excel in school, to access better ment. Every day, however, the family jobs, and more. also contended with germs and general

25 JASON ASTEROS Loem Makara lost his leg as a boy and left and left lost his leg as a boy Loem Makara he runs but today ninth grade, after school mortgage The affordable a small business. Trapaing home in on their Habitat payment his Loem and allows Cambodia, Anchanh, to money spend more to Nary, Van wife, and their home business, expand Loem’s their daughter, space for a safe provides study. to Vicheka, Sovan Makara TOGETHER WE BUILD PERSONAL EMPOWERMENT FOR WOMEN AND GIRLS

27 JASON ASTEROS BUILDING A FOUNDATION FOR SUCCESS

Makara Sovan Vicheka, 4, may get a chance at a better life thanks to caring parents and a Habitat for Humanity home. She has started kindergarten now that her family has moved into a Habitat house in the Cambodian village of Trapaing Anchanh. Loem Makara, her father, lost a leg in an accident when he was a boy, and was only able to finish the ninth grade. He took vocational courses to learn how to repair televisions and radios, and started his own small busi- ness. He married Van Nary in 2010, and they soon had little Makara Sovan. The family of three was living in a rented storeroom in Phnom Penh, making about US$200 a month from Loem’s business but spending US$100 a month on rent. When he saw the houses that Habitat for Humanity was building in his father’s village, they applied and were accepted as Habitat homeowner partners. Their monthly mortgage is only US$32 a month, giving them more money to spend on Makara Sovan and for Loem to expand his business, along with a permanent residence from which to send her to school. “I had to think about my daughter’s future,” Loem said. “If we kept renting houses, we would have to keep moving when the landlord stops renting, and she would have had to transfer schools all over.” Makara Sovan’s school is close to their house now. “It’s easy for her to study. Without a house, we would be floating wherever the wind takes us.” Loem hopes that with an education, Makara Sovan will have a better job than his. “My life has been diffi- cult,” he said. “I don’t want my daughter to go through the same thing. She is wonderful, smart, talkative.” THE ODDS WERE NOT in Antonia Cuffee’s ing low-income families who are facing foreclo- favor. As a little girl growing up in the town of sures. This is the kind of long-term impact Habitat ENCOURAGING Easton, Maryland, where more than 30 percent can have on a family — and a community. of the population lives below the poverty line, “My mother was a single mother who was “GIRL POWER” she moved from rental to rental with her mother, very poor, but she saw the value of homeowner- brother and sister, finally winding up in an apart- ship and was willing to work hard for it,” Cuffee ment above a drug dealer. said. “She planned and budgeted, and that plan Valia Elliott, her single mother, did not own came to fruition. She served as a guiding figure Around the world, women and girls make up about 70 a car, but walked across town each Saturday to for me as I went on to fulfill my own goals in life.” percent of those in need of safe, decent, affordable hous- perform her sweat-equity hours building a Habitat This homeowner partnership serves as an ing. As Habitat works to support more women in their for Humanity house in Easton for her children. example for Cuffee and her siblings. efforts to transition to better housing, more women are The stability of the permanent, safe, decent home “I learned the values of a goal, a plan and not stepping up to help the cause. and the example of a hardworking mother helped giving up. Working with Habitat and learning Habitat has organized Women Build events, using Antonia become the first member of her family to these valuable skills was a launching pad to my all-women volunteer crews, since 1991, and an estimated finish college, graduating magna cum laude from success and my achievements.” 15,000 women volunteered for National Women Build Temple University. She went on to graduate from That is empowerment. At Habitat for Hu- Week, sponsored by Lowe’s, in May. In Kansas City, the University of Maryland Francis King Carey manity, we help women like Antonia Cuffee build Kansas, Heartland Habitat for Humanity brought women School of Law, and now she is paying it forward by personal empowerment. And like Cuffee, their together with Yuliana Contreras, who is building a Habitat working for the U.S. Consumer Financial Protec- gratitude moves them to help others. home for herself, her three daughters and her mother. tion Bureau and doing pro bono legal work help- “Why do these women volunteer their time and give up their days to support the mission? Why do they build?” HABITAT FOR HUMANITY CHOPTANK (MARYLAND) mused Molly Groebe of Heartland Habitat. “They build to learn new skills. They build to give back to their community. They build to focus on something bigger than themselves for a day. They build to honor a loved one who has passed away. They build because they like the challenge. They build to prove that they can do anything they aspire to do.” That’s empowerment — not just for the Contreras family, but for the volunteers as well. From a successful lawyer in Washington, D.C., to a lit- tle girl in a Cambodian village whose path is now brighter than it was, Habitat for Humanity homes provide the Antonia Cuffee celebrates her May stability that leads to empowerment for women and girls. 2011 law school graduation with Susan Devlin, former executive “I know that if I can start where I started and become director of Habitat for Humanity a lawyer,” Cuffee said, “plenty of other children can use the Choptank (Maryland), and Steve Clineburg, the affiliate’s former same tools I learned from Habitat and shoot for the stars.” board president.

29 EZRA MILLSTEIN Lipi Ansari, 35, works as works 35, Ansari, Lipi the Habitat a tailor from house she helped build She is India. in Bawana, in a she says, investing, Faima, education for good who counts literature 9, and English among her subjects. favorite TOGETHER WE BUILD ECONOMIC INDEPENDENCE

31 Students in Uganda celebrate their completion of nine months of HABITAT FOR HUMANITY UGANDA vocational training sponsored by Habitat for Humanity Uganda. The students and their families all live in houses built in partnership with Habitat as part of orphans and vulnerable groups outreach. Graduates of tailoring and carpentry classes spoke of their homes and newly acquired skills and how these had changed their lives. One young man, fresh from a construction site where he is now employed, shared that he now earns more in a day as a mason than he had in two months cultivating crops. A women’s support group meets at the office of Chetanalaya, a community development NGO that partners with Habitat in Bawana, India, 30 kilometers northwest of central Delhi. The community has high unemployment, and the few existing jobs are poorly paid and dangerous. Poor or nonexistent sanitation and extensive overcrowding are part of everyday life.

BUILDING BETTER BUDGETS

EZRA MILLSTEIN To help prepare families to become successful homeowners, Habitat for Humanity provides financial and budget training in the United States. The central factor in their continued success is an affordable mortgage. LIPI ANSARI BELIEVED IN HERSELF helped them and their families move toward Trenisha Dorsey became a Habitat homeowner partner in Los even when her bleak surroundings looked economic stability. Angeles, California, in November 2014. Although having the space for hopeless. The 35-year-old mother of two in In Uganda, for example, 59 students living her son to play and the freedom of owning her own place matter a lot, Bawana, north of Delhi, India, was ready in houses built as part of Habitat for Human- she said the biggest benefit of her Habitat home is that it allows her to to stop moving from one destitute place to ity Uganda’s work with orphans and vulner- save money. Dorsey had been living in an apartment with her 15-year- another and to use her exceptional talent able groups are well on their way to financial old daughter, her 8-year-old son, and a 17-year-old niece. Her bills took for sewing to provide the economic stability self-sufficiency after receiving vocational almost every penny of her income. Her new mortgage payment is $450 she needed. training in tailoring, carpentry and construc- less than her rent had been, and solar panels and water-saving applianc- She was granted a housing loan through tion. After completing the nine months of es have reduced her utility bills. Habitat, and with the help of volunteers, training sponsored by Habitat for Humanity Some of the money she saves goes toward paying her property taxes, she built a home in 2013. Almost two years Uganda, a student can earn more in a day as and the rest is spent on things that had been out of reach. later, Ansari’s children thrive, and her a mason on a construction site than he would “We were not able to do anything extra while I was renting,” Dorsey customers flow in and out of her tailoring make in two months cultivating crops. said. “I felt like I was being held captive to my apartment. After paying business. She owns four sewing machines One student, Alutia John Kokos, the rent and utilities, I didn’t have a dime left.” and pays assistants to help with the busi- oldest of several siblings, had been forced to Habitat gave Dorsey the chance she needed to make a stable life for ness. She also takes on apprentices from the drop out of school because he couldn’t afford her family. community, teaching them the precision the tuition. Since completing Habitat’s voca- “I want to send the message to any mother, father, grandmother, uncle, of each stitch and giving others a chance to tional training program, Kokos has used his aunt in my situation that there are people out there that have good hearts, earn a decent income for their families. earnings to buy one of his sisters a mattress and they will help you. Without Habitat, I would not have been able to Ansari is among the thousands of home- of her own, and he is saving money so that become a homeowner, even though I’ve been on my job for eight years. owners around the world each year who can all of his siblings can go to school and work “They helped me build a foundation for me and my kids.” tell the story of how partnering with Habitat toward financial independence.

33

TOGETHER WE BUILD GLOBAL IMPACT

35 FY2015 SUMMARY OF INDIVIDUALS SERVED U.S. AND CANADA New and rehab construction 18,328 Incremental construction — Repairs 11,004 The Fiscal Year 2015 Annual Report, for the first time, measures individuals served through Habitat for Humanity's array of products and programs. In the past, we counted how many families we served. But in keeping with our strategic plan and focusing on the long-term impact decent, affordable housing has on every person who lives in a house, we believe totaling individuals served is a better way to record our year and the success of our efforts. Counting people served also more closely aligns us with global industry standards of LATIN AMERICA AND THE CARIBBEAN other nonprofit organizations. New and rehab construction 35,530 Incremental construction 45,705 Repairs 42,590 Professional services 36,315 Market development 814,535 ASIA AND THE PACIFIC

New and rehab construction 43,480 Incremental construction 49,710 Repairs 80,190 Professional services 2,465 Market development 136,555

DEFINITIONS New and rehabs: New houses are 100 percent newly constructed and meet Habitat for Human- ity quality standards and local building codes. Rehabs are restorations of houses that once met Habitat’s standards and local building codes but needed major, usually structural, work to bring them back to these standards and codes. Incremental: An intervention that fully addresses one or more of the five Habitat for Humanity quality standards, which are adequate size, durable construction, secure land tenure rights, access to adequate amounts of clean water, and proper sanitation. Repairs: Minor restoration, such as patching roofs or walls or replacing materials in houses that still meet Habitat’s quality standards and local building codes. Professional services: Preconstruction advice or design services provided directly by Habitat professionals to the household, for specific EUROPE, MIDDLE EAST AND AFRICA construction projects. Market development: Individuals served with better housing through the private sector as a New and rehab construction 4,265 result of a Habitat program. Incremental construction 41,775 Repairs 29,260 Professional services 51,265 Market development 358,730

37 EZRA MILLSTEIN THERE IS POWER IN ‘WE’

and volunteer. And there is tremendous children, we are called to truly know, care When we work together in unison, power in “we.” about and see each other as human beings. the sum of the whole is indeed greater In this report, you’ve seen how hous- Dr. King had it right. We must grow to see than the individual parts. Together with ing is at the center of everything we do. the beauty in our diversity as opposed to all of you, Habitat is realizing bold goals In addition to traditional home con- using it as a way to divide. and helping more people worldwide struction, Habitat aids disaster recovery, Too often, low-income or poor fami- improve their housing situations. There is repairs existing homes, undertakes water lies are isolated or marginalized. I know no limit to what can be achieved. Togeth- and sanitation projects, designs incre- from my own work that concentrated er, we are Habitat, and we keep building! mental building plans, promotes advo- poverty is extraordinarily destructive, On behalf of the Habitat for Human- cacy initiatives, and makes small loans especially for children. Poverty is not an ity International board of directors and available to very low-income families, to occasional, but a daily assault. This is not the entire Habitat organization, thank name a few. More than 1.8 million people some theoretical issue. We are talking you for your incredible support. have been helped by Habitat’s ministry in about human beings, and especially chil- FY2015, but there are still many hoping dren, who deserve a better shot. for a decent place to live. I believe that The good news is that we now know together we can do more. that investments in homeownership have I am blessed and privileged to have a multiplier effect, not just impacting Renée Lewis Glover WE DID IT! Together, all of us, we helped spent nine years on the board of directors housing, but also improving educational Chair of the board of directors more families than at any time in Habitat of Habitat for Humanity Internation- outcomes, health outcomes, workforce Habitat for Humanity International for Humanity’s almost four-decade histo- al, and Habitat brings people together participation and more. The work you are ry, dramatically increasing our impact in like no other organization I know. Dr. doing in your communities is extraor- the United States and around the world. Martin Luther King Jr. often spoke of the dinarily important and has ripple effects Habitat. We Build. That’s the theme “Beloved Community,” and I think this into future generations, other commu- of this year’s annual report. Within these ministry has a way of showing us what nities and the larger world. The global pages, you’ve seen exactly who we mean God intends that community to look like. connection is real, so things that happen when we say, “We build.” “We” comprises We humans come from all races, eth- in other parts of the world also impact the millions of those who believe in the nic groups, cultures, religions and other what is happening in our country. Your Habitat mission. Every donor, family and backgrounds, and because God is our cre- support ensures better outcomes for corporate partner is part of “we,” and so ator, we have been blessed with unlimited families for years, across the globe and in is every advocate, employee, faith group human potential. Since we are all God’s your own backyard. Revenue primary categories: program affiliates and used to support the continued emphasis was placed expense, fundraising expense and work of affiliates in other coun- on targeted proposals to major Habitat for Humanity International management/general expense. tries. Tithing is a commitment set donors, corporations and other is a tax-exempt 501(c)(3) nonprofit Program expense is further divid- forth in covenants signed by all organizations. Many of Habitat’s corporation supported by people ed into three subcategories: U.S. U.S. Habitat for Humanity affili- fundraising appeals result in TOGETHER who believe in its work. Support affiliates, international affiliates ates. Affiliates outside the United donations made directly to U.S. comes in the form of contributions and public awareness/education/ States also tithed to support Hab- and international affiliates or WE BUILD from individuals (cash, stock gifts, advocacy. Total expense amount- itat for Humanity’s work in other other national and international estate gifts and an annuity pro- ed to $264.5 million. countries, often making direct organizations. In such cases, WITH A gram), corporations (cash, donated contributions that are not reflect- Habitat bears the fundraising expense but does not reflect the assets and services), foundations Program expense ed in these financial statements. resulting donations as revenue. COMMITMENT and other organizations. Habitat’s program expense also includes costs associated with Government assistance is also In FY2015, Habitat for TO GLOBAL public awareness and education, welcome. Habitat for Humanity Humanity International spent Management and including expenses associated STEWARDSHIP participates in various govern- $211.2 million on program general expense with donated public service ment programs from the U.S. expense, representing 80 percent announcements, special events Department of Housing and Urban of total expense. These funds For FY2015, management and such as the Jimmy & Rosalynn Development, the U.S. Corpora- help to achieve measurable general expense totaled $12.4 Habitat for Humanity Carter Work Project, Global tion for National and Community results around the world, million, representing 5 percent of International practices Village work trips, the Habitat for Service, and the U.S. Agency for including direct cash and gift- total expense. This includes costs good stewardship with Humanity International website, International Development. in-kind transfers to affiliates and necessary to provide: all funds entrusted to its videos, Habitat World magazine Total revenue in FY2015 national organizations globally mission of eliminating and other costs to respond to the • Executive and board gover- was $260.6 million. Total cash for house construction and other substandard housing. public and media. nance and oversight. contributions in FY2015 were expenses. Program expense Using funds wisely • Financial management, $159.0 million, $91.8 million of included costs for programs that allows Habitat to serve including our internal audit which came as unrestricted cash directly benefit affiliates and Fundraising expense more families and function. donations. Government grants communities around national organizations, such • Enterprise management the world. totaled $26.2 million in FY2015. as youth programs, disaster In FY2015, fundraising expense Also included in revenue were response, training seminars and incurred to secure vital financial systems, which process our $35.4 million in donations- information materials. Also support from the public totaled financial transactions as well in-kind and $40.0 million in included is the cost of evaluating $40.9 million, representing 15 as statistical measurement of other income. Habitat programs at the affiliate percent of total expense. Major our program performance. and national organizations, along fundraising programs include • Overall planning and coor- Expense with providing technical support. direct mail and telemarketing dination of the activities of Included in international campaigns and direct contact Habitat. Habitat for Humanity Interna- transfer expense is $13.6 million with major donors, foundations • General infrastructure costs. tional classifies expense in three in tithe funds collected from U.S. and corporations. In FY2015, a

39 CONSOLIDATED STATEMENTS CONSOLIDATED STATEMENTS OF ACTIVITIES OF FINANCIAL POSITION AND CHANGES IN NET ASSETS

YEAR ENDED JUNE 30 YEAR ENDED JUNE 30 2015 total 2014 total 2015 total 2014 total Assets Revenue and gains Cash and cash equivalents $42,751,172 $40,495,983 Contributions $159,048,532 $160,991,948 Donations in-kind 35,436,913 60,125,100 Investments at fair value 43,097,872 48,985,397 Government grants 26,211,401 22,872,955 Receivables 121,922,494 121,426,403 Other income, net 39,952,256 33,210,086 Other assets 10,956,154 13,233,757 Total revenues and gains 260,649,102 277,200,089 $218,727,692 $224,141,540 Expenses

Program services: Liabilities and net assets U.S. affiliates 119,119,742 121,864,630 Total liabilities $99,865,790 $99,793,669 International affiliates 66,737,102 64,988,079 Public awareness and education 25,293,205 24,964,574 Net assets: Total program services 211,150,049 211,817,283 Unrestricted 24,648,150 25,342,257 Supporting services: Temporarily restricted 92,059,930 96,852,786 Fundraising 40,866,224 37,662,679 Permanently restricted 2,153,822 2,152,828 Management and general 12,446,537 11,111,892 Total net assets 118,861,902 124,347,871 Total supporting services 53,312,761 48,774,571 $218,727,692 $224,141,540 Total expenses 264,462,810 260,591,854 Losses on contributions receivable 2,162,261 1,252,205 Total expenses and losses on contributions receivable 266,625,071 261,844,059 Change in net assets $(5,975,969) $15,356,030

Habitat’s auditors have expressed an unqualified opinion on our June 30, 2015, consolidated financial statements. Those financial statements include associated notes that are essential to understanding the information presented herein. The full The reduction in revenue over FY2014 is due to some in-kind donors switching from multi-year commitments to set of statements and notes is available at Habitat’s website, habitat.org. annual renewals along with the unexpected sunsetting of a generous program of donated foreclosed homes. AUDITED CONSOLIDATED UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS FINANCIAL STATEMENTS

5% 45% Management Program - 7% and general U.S. affiliates Fundraising The audited financial statements of 25% Habitat for Humanity International reflect 85% 15% Program - Fundraising Program International only part of Habitat’s work around the world. affiliates 8% 10% As autonomous nonprofit organizations, Management Program - Public 80% Habitat for Humanity affiliates and national and general awareness and Total program organizations keep their own records of advocacy expenses revenues and expenditures. To better demonstrate the magnitude of FY2014 use of funds FY2015 use of funds the movement, Habitat annually compiles Program $1.3 billion Program - U.S. affiliates $119 million combined (unaudited) financial amounts for Fundraising $107 million Program - International affiliates $67 million Habitat for Humanity in total. For the fiscal Management and general $126 million Program - Public awareness and advocacy $25 million year that ended June 30, 2014, we estimat- Fundraising $41 million ed the total impact of the entire Habitat for Management and general $12 million Humanity mission was as follows: 13% 39% Other income Contributions 15% 61% Total revenue of and grants Other income Contributions 24% Sales of homes 24% 10% 14% $1.6 BILLION Gifts-in-kind Government Gifts-in-kind grants Total net assets of FY2014 sources of funds Contributions and grants $629 million FY2015 sources of funds Gifts-in-kind $387 million Contributions $159 million $2.4 BILLION Sales of homes $397 million Gifts-in-kind $35 million Other income $216 million Government grants $26 million Other income $40 million

41 CORPORATE SUPPORT

TOGETHER WE BUILD Bank of America launched its first multicity global build Credit Suisse contributed to the improvement of housing in partnership with Habitat for Humanity International through generous donations and volunteerism. Since PARTNERSHIPS in one week and across seven time zones to help revi- 2009, hundreds of Credit Suisse employees have volun- talize neighborhoods around the world by creating safe, teered on Habitat construction sites in all corners of the decent and affordable housing. world, including Armenia, Colombia, Poland, Romania Every donor makes an On Sept. 22-27, more than 1,000 Bank of America and the United States. invaluable contribution employees in 32 U.S. cities, along with London, United Through a public-private development partnership, to Habitat for Humanity’s Kingdom; Hong Kong; Bangkok, Thailand; and Jakarta, the company helps expand the housing microfinance sec- mission to eliminate Indonesia, participated in volunteer events to help repair tor and improve access to housing finance in Cambodia, poverty housing around homes and revitalize neighborhoods. Honduras, El Salvador, Rwanda and the Democratic the world. The following The event kicked off the renewal of Habitat’s Republic of the Congo. pages highlight just a few long-standing partnership with Bank of America, which Over the past four years, Credit Suisse and its employ- of the corporate partners included a new three-year commitment of $4.5 million to ees have provided significant support to Habitat´s disaster and individual donors Habitat for Humanity International and $1.5 million for risk reduction and response efforts for the 2015 Nepal whose support in fiscal Habitat affiliates. The global build and renewed commit- earthquakes, the 2013 Typhoon Haiyan in the Philippines, year 2015 helped raise ment to Habitat aligns with the company’s commitment to and the 2012 earthquake and tsunami in Japan. awareness of the global community revitalization. Credit Suisse supported distribution of shelter repair housing problem and build Bank of America employees expand the bank’s gener- kits, construction of disaster-resistant homes and a more homes with families osity by giving their own time and effort to local Habitat community center, and training for construction experts in urgent need of them. affiliates. In 2014, Bank of America employees volun- who provide technical assistance to families rebuilding teered 36,925 hours to help further Habitat’s mission. their homes. From June 2014 through January 2015, more than 134 Credit Suisse employees in multiple locations across the United States built alongside Habitat partner fami- lies, donating nearly 1,470 hours of service. Dow continued its support of Habitat for Humanity, A national partner since 2008, The Home Depot Foun- For the second year of its national partnership with expanding the long-standing collaborative partnership to dation committed more than $3.6 million to continue its Habitat for Humanity, HSNi Cares, the philanthropic address global housing and sanitation issues while helping support of Habitat for Humanity International’s Repair arm of HSN’s parent company, HSN Inc., helped build thousands of families gain access to safe, decent, afford- Corps, a program that funds the repair, renovation or homes, communities and hope through consumer en- able housing. With first-time builds in Ethiopia, Argen- construction of homes in partnership with U.S. military gagement and employee support. tina and Colombia, Dow grew its support from 26 to 29 members and their families. HSN, Ballard Designs, TravelSmith and Improvements countries across five continents. Their support funds 215 projects for veterans in at promoted Habitat’s vision of a world where everyone Dow’s collaborative partnership with Habitat focuses least 30 communities across the U.S. Projects include has a decent place to live, offering brand customers on innovation and solving community needs. In Ethio- new construction, roofing and weather stripping, and ac- the opportunity to donate in support of the campaign pia, the partnership took on a new challenge: address- cessibility modifications, including installation of wheel- when purchasing online or over the phone during June. ing extensive sanitation issues. In Dow’s first sanitation chair ramps and renovated bathrooms and doorways. This nationwide effort builds on HSN Cares’ annual project with Habitat, employees worked with Habitat for Approximately 1.4 million veterans live in poverty, and full-house sponsorship and volunteer partnership with Humanity Ethiopia to build sanitation facilities to serve 9 million veterans are senior citizens who often find it dif- Habitat for Humanity of Pinellas County (Florida). an estimated 140 families. In addition, Dow employees ficult to maintain their homes and conduct critical home The multichannel retailer also donated 5 percent of participated in various construction projects in Argentina repairs. Since 2011, The Home Depot Foundation has all purchases made on the HSN credit card on June 1. and a rehabilitation/revitalization project in Colombia. donated more than $9.8 million to help repair or renovate HSN supported the campaign with weekly integra- Dow’s 2015 support of Habitat emphasized the com- the homes of 450 military veterans through Repair Corps. tions on the retail show “HSN Today;” in catalogs for pany’s commitment to help 1 billion people, a target of Ballard Designs, Improvements and TravelSmith; and Dow’s 2025 Sustainability Goals. For more than 30 years, through digital channels such as brand websites, social Dow has partnered with Habitat to provide energy-effi- media and customer emails. The one-month effort drove cient home insulation products, extensive employee vol- more than $312,000 in corporate and consumer dona- unteerism and financial contributions. Dow products and tions to Habitat’s mission. funding have supported more than 45,000 homes globally.

43 JPMorgan Chase supported Habitat for Humanity with a This year, the “&” in Kum & Go meant more for Habitat Lowe’s and Habitat for Humanity International teamed donation of $985,000 to fund the construction of several for Humanity International, with a deeper integration of up with six-time NASCAR Sprint Cup champion Jimmie homes across the U.S. More than 2,500 JPMorgan Chase the convenience retailer’s national partnership across 430 Johnson in March at the Kobalt 400 to raise the walls of employees are helping construct homes in California, stores in 11 states. a new home at Las Vegas Motor Speedway. Nearly 100 Connecticut, Florida, Illinois, Texas, Ohio, Oregon, Mas- Kum & Go invited customers to add a $1 donation Lowe’s Heroes employee volunteers joined Johnson and sachusetts, New Jersey and New York. to their in-store purchases to support Habitat’s mission his pit crew to frame a home and encourage race fans to JPMorgan Chase’s recent donation is in addition to of building homes, communities and hope. In addition, sign up for future Habitat projects. Lowe’s continued its a commitment of more than $3.2 million to increase Kum & Go committed to sponsoring a Habitat for Hu- support of Habitat for Humanity through a $2 million Habitat’s capacity to build homes in the United States manity home in one of the communities where its stores donation toward National Women Build week and by en- and to provide relief to those affected by wildfires in operate. Co-branded coffee mugs were available, and $1 gaging over 15,000 women volunteers, including Lowe’s Chile and typhoons in the Philippines. Some of this from each purchase was donated to Habitat. Ten cents Heroes, to build homes. funding came directly from JPMorgan Chase employees of each purchase of Kum & Go brand water bottles went Since 2003, Lowe’s has contributed more than to help families whose homes were damaged by Typhoon to the cause, as did all customer donations from counter $63 million to support partnership initiatives and has en- Haiyan. Funds were also used to support the FlexCAP collection jars. gaged 13,000 Lowe’s Heroes employee volunteers to work mortgage-leveraging program. Stores in Sioux Falls, South Dakota, collected the on Habitat projects. Lowe’s serves as the national partner most donations per transaction to sponsor a Habitat of National Woman Build week and is a major supporter home to be built in partnership with a low-income fami- of Habitat’s Neighborhood Revitalization work. Habitat’s ly in their community. Kum & Go also awarded 13 grants work with Lowe’s has helped ensure safe and affordable of $1,000 to $10,000 to Habitat for Humanity affiliates. housing for nearly 4,000 families in all 50 states. In its second year of national partnership with Habitat, Kum & Go donated more than $480,000, with customer donations exceeding $257,000 of this total. Nissan North America and Nissan Motor Co. Ltd. donated a combined $2 million to Habitat for Humanity Interna- tional, continuing a long-term partnership to build homes, CELEBRATING 10 YEARS communities and hope. Nissan North America’s funding helped build houses Thrivent Financial and Habitat for Humanity in Arizona, California, Georgia, Michigan, Mississippi, International celebrated the 10th anniver- Tennessee, Texas and Canada. Additionally, six Nissan sary of the Thrivent Builds with Habitat for trucks were donated to U.S. Habitat affiliates to help Humanity partnership in September 2015. in construction efforts and as resources for disaster During that decade, Thrivent and its members response initiatives. The company participated in several have committed more than $213 million in special projects with Habitat, including the 31st Jim- donations and 4.4 million volunteer hours to my & Rosalynn Carter Work Project in Dallas, Texas, help create safe, decent and affordable housing and a build with the Heisman Trophy Trust and six in partnership with 4,000 Habitat families in Heisman Trophy winners. The company also followed 34 countries around the world. the premiere of its 90-second Super Bowl XLIX com- Thrivent’s mission is to serve members mercial, “With Dad,” by donating $500,000 to Habitat for and society by guiding both to be wise with Humanity, and later building with the Wounded Warrior money and live generously. As part of this Project and a veteran homeowner. mission, Thrivent continued its support of Around the globe, Nissan Motor Co. donated $535,613 Habitat for Humanity by committing to sponsor build projects in India, Indonesia, Vietnam, $12 million to Thrivent Builds with Habitat Myanmar and Japan. for Humanity, which provides funding and Globally, Nissan employees have volunteered more volunteers to help construct or repair homes than 71,000 hours to Habitat build sites, and Nissan and across the globe. This funding supports the its dedicated workers have funded the construction of construction of 121 homes, the repair of up to more than 100 houses and donated 135 vehicles. Nissan 450 homes, and 120 worldwide trips through has contributed more than $14 million in house sponsor- the three Thrivent Builds programs: Thrivent ships, truck donations and other projects. Builds Homes, Thrivent Builds Worldwide

GREGG PACHKOWSKI and Thrivent Builds Repairs.

45 Simpson Strong-Tie reached the $2 million donation mark Valspar pledged $36 million in paint and funding over Donating up to $5 million in products each year, in its partnership with Habitat for Humanity International. five years to Habitat for Humanity International. The Whirlpool Corporation and its flagship brand continue Simpson Strong-Tie has contributed to local Habitat pledge includes a $2 million contribution from the to provide a new range and refrigerator for every new affiliates for more than 20 years. It became a national Valspar Corporation Foundation, along with donations Habitat home in the U.S. Whirlpool is also funding partner in 2007, providing annual cash and product of more than $6 million in paint and $350,000 to support eight new home builds with families in need of afford- donations, including the structural framing hardware Habitat’s affordable housing work in the first year. The able housing in Florida, Indiana, Iowa, Michigan, Ohio, (connectors and fasteners) and reinforced shear walls for company anticipates maintaining this level of support Tennessee and Texas. new home construction. through 2019. Additionally, many Whirlpool employees participate Simpson Strong-Tie builds homes with Habitat in the Valspar and Habitat for Humanity International in the Ambassador Program, which was developed to United States and abroad, and has supported Habitat’s launched their national partnership in 2002, but Valspar create champions for the company’s signature charities. Jimmy & Rosalynn Carter Work Project each year. The first supported Habitat in the mid-1980s when it pro- Employees fulfill leadership positions on local Habitat partnership extends beyond financial and product dona- vided paint and volunteer labor to Habitat for Humanity boards, participate in construction activities and represent tions as Simpson Strong-Tie employees volunteer their Twin Cities (Minnesota). Valspar and Habitat Twin Cities Whirlpool at Habitat-related events. time, labor and technical skills on construction sites. founded A Brush with Kindness, a revitalization program Since the partnership began in 1999, more than Simpson Strong-Tie is also a main supporter of Hab- that helps transform neighborhoods by painting home 85,000 Habitat partner families in the U.S. have received itat for Humanity’s Habitat Strong, a program designed exteriors and providing landscaping and minor home re- a Whirlpool refrigerator and range. Additionally, more to promote the building of homes that are stronger and pairs — tasks that can be difficult for low-income, disabled than 150 houses have been built around the world with more durable and resilient. or senior homeowners. help from Whirlpool employees. Employees participate This calendar year, Valspar helped launch Habitat’s in builds where the company’s manufacturing opera- first national A Brush with Kindness Week, with vol- tions, customer service and administrative offices are unteer support and paint donations helping affiliates to located, such as Cedar Rapids, Iowa; Benton Harbor, partner with more than 130 low-income homeowners Michigan; Clyde, Findlay, Greenville and Marion, Ohio; across 25 states. The effort illustrates Valspar’s motto, and Tulsa, Oklahoma. Whirlpool has developed active “If it matters, we’re on it,” and the company plans to Habitat programs in more than 45 countries, with a com- continue partnering with Habitat to expand this annual mitment of more than $90 million. effort to create awareness of the need for revitalization of affordable housing across the United States. FOUNDATION SUPPORT

AARP Foundation’s grant of $125,000 helped Habitat In its efforts to help reduce poverty, the Ford Foundation Fund for Shared Insight, a collaboration of funders for Humanity International implement a series of has partnered with Habitat for Humanity to address dedicated to improving philanthropy, is helping Habitat aging in place learning exchanges that bring together the dire living conditions of people around the world, develop ways to strengthen the impact of its Neighbor- Habitat affiliates and partners to discuss the housing especially the growing numbers who stream into cities hood Revitalization work. Habitat understands that the needs of low-income seniors. from rural areas in search of a better life. Hundreds of long-term success of revitalization depends on the feed- Five U.S. Habitat affiliates that have extensive ex- thousands of them have no resources for housing or back and involvement of residents and other public and perience working with seniors hosted the learning ex- other basic needs, and they end up living in slums and private partners engaged in reshaping communities. changes from July to November 2015. Each exchange substandard dwellings, often lacking sanitation services, Habitat was one of 14 organizations selected from an featured an expert on aging in place and provided an clean water, electricity and other basic services. applicant pool of 200 to participate in a three-year Fund opportunity for Habitat affiliates to obtain resources, As part of its Just Cities initiative, the Ford Foun- for Shared Insight project. Habitat will share informa- network, and collaborate with local and regional part- dation is working with Habitat to finance housing and tion and network with other grantees while developing ners that work with older adults. infrastructure improvements in slum areas in Cali, feedback processes that will benefit Habitat affiliates. The These learning exchanges will become even more Colombia, and Cape Town, South Africa. In both cities, core funders of the Fund for Shared Insight collaborative valuable as the number of Americans 65 and older is local and national governments are working to address are the David and Lucile Packard Foundation, the Ford expected to double to more than 71 million people in the quality and shortage of housing. The Ford Founda- Foundation, The JPB Foundation, Liquidnet, the Rita the next 25 years. tion’s financial support will allow Habitat to partner with Allen Foundation, the William and Flora Hewlett Foun- Across the United States, Habitat for Humanity low-income residents to improve their housing and to dation, and the W.K. Kellogg Foundation. is significantly revitalizing neighborhoods through ensure that their government’s housing policies benefit repairs, and the AARP Foundation’s funding will help their communities. Habitat affiliates build capacity to help seniors age in With the Ford Foundation’s help, Habitat is working place in their homes and communities. to find far-reaching solutions that can be applied globally as migration into cities continues to put stress on already fragile housing markets.

47 The VELUX Foundation joined Habitat for Humanity The Habitat Development Council’s presence and success Bulgaria to disburse more than 200 incremental housing are largely due to the hard work, generosity and leadership loans in the first year of an innovative five-year program. of Ron Terwilliger. Aimed at improving housing conditions for families with His significant three-year pledge of $2.7 million small children who live in poverty and are more suscepti- launched the council, and his willingness to make connec- ble to the risks associated with poverty housing, the pro- tions and influence leaders has laid a foundation for the gram operates in four municipalities across the country. council to achieve enduring, viable success. Terwilliger has An important aspect of the five-year program is the recently traveled to Honduras, Costa Rica, Panama and VELUX Foundation’s goal to provide better homes for at Brazil on Habitat’s behalf to help raise funds and to link, least 7,500 children. In support of this goal, the pro- advise and open doors to key leaders in the region. gram prioritizes families with preschool or school-aged Thanks to Terwilliger’s tireless work, Habitat is engag- children. The average 10- to 12-month no-interest loans ing highly distinguished leaders who support the cause are distributed through community-based facilitators in of affordable housing. The Habitat Development Council municipalities and range between €200 and €450. acts as a catalyst for Habitat’s growth through fundraising As a result of this program, living conditions for and leadership development, accelerating our mission 331 children have been improved. For the remaining around the world. Council members work together to lead four years, the partners will focus on disbursing home a united cause to end poverty housing on a global scale, improvement microloans in four municipalities and while lending their support, know-how and resources to expanding into more municipalities and communities, help shape the future of Habitat. engaging community partners throughout the country. INDIVIDUAL DONORS

JORGE BUESO BRAD AND SUE HEWITT LINDA AND JON JOHNSON their tremendous legacy gift, depicts the Leading the way for good Doing more to empower families in need Giving families a hand up, not a handout Johnsons’ passion for the efficiency and At 95, Jorge Bueso, CEO of Banco de Habitat has been blessed to call Brad and Jon Johnson, a Vietnam War veteran and effectiveness of Habitat for Humanity. Occidente, continues to take action and Sue Hewitt our partners and friends for retired finance executive, and his wife, “We like that Habitat is helping those fight the good fight to help others. Bueso’s nearly 20 years. The Hewitts have con- Linda, who retired from the insurance who are struggling to make it while longtime endeavor to work toward mak- sistently made generous financial contri- industry, have admired the work of Habitat working for a better future,” Jon Johnson ing this world a better place parallels Habi- butions to Habitat’s mission locally and for Humanity over the past 10 years. The said. “We like that families participate in tat’s efforts to empower people to build a globally since 1996. Brad Hewitt, president couple’s generous financial support has their own home construction and are given stronger future, so creating a partnership and chief executive officer of Thrivent been invaluable in moving the organiza- financial training to better enable them to with Habitat for Humanity made perfect Financial, goes beyond making regular tion’s mission forward. They have helped hold on to their newly found success.” sense. His generous five-year pledge has donations by helping to lead Habitat for countless individuals throughout the Unit- already proved beneficial to families in Humanity International’s ministry as a ed States and around the world improve EMILIO LARACH Honduras who are living in substandard member of its board of directors. He also their living conditions through safe, decent, Creating a better world housing conditions. With Bueso’s help, played a key role in growing Habitat’s affordable housing solutions. The Johnsons for future generations many Hondurans who live in overcrowd- relationship with Thrivent Financial, a recently named Habitat as the primary ben- Habitat for Humanity is privileged to ed, run-down homes with little or no ac- Fortune 500 nonprofit that serves Chris- eficiary of their estate. This kind, thoughtful align its ministry with Emilio Larach, cess to clean water or sanitation now have tians as a fraternal benefit society. This act will help equip Habitat to continue whose recent multiyear pledge will access to the resources necessary to build connection is one of Habitat’s most sub- working with families in need of healthy equip the organization to continue to or improve their homes. Habitat Honduras stantial partnerships, engaging thousands homes for years to come. help low-income families improve their also offers these families job skills training, of volunteers and bringing more than The Johnsons’ support has strength- housing conditions. In addition to mak- along with health and hygiene education. $200 million of support to Habitat’s work ened Habitat’s ministry by increasing ing financial contributions, Larach has Habitat is privileged to align our orga- around the world. our efficiency and growing our reach. donated his time to numerous Habitat nization with such a respected and caring In addition to their tireless efforts Not content to sit idly by during their events across Honduras. At 84, the owner individual as Bueso, who is recognized as to assist Habitat’s partner families, the retirement, the couple is looking forward of Larach Company, a hardware business one of the most honored figures in the eco- Hewitts are active with their church along to enriching the lives of families in the founded in 1948 that sells a variety of nomic, social and political fields of Hon- with numerous charitable organizations Nashville, Tennessee, area in a number of construction and household supplies, duras. His selfless pursuit to help the less in their hometown of Medicine Lake, ways. One of the volunteer opportunities continues to be an active part of the com- fortunate advances and strengthens our Minnesota. Their generous donations and the Johnsons are looking into is working pany and is known by his employees as a mission to empower low-income families countless hours spent volunteering have alongside their local Habitat affiliates’ fair and effective leader. to improve their lives and neighborhoods. brought hope and resources to individu- homeowner partners, helping them com- One of the most respected business- als and communities throughout Minne- plete the required sweat-equity hours on men in Honduras, Larach is considered a sota and around the globe. their homes. This service, in addition to pioneer in corporate social responsibility. He played an integral role in creating a Marranzini regularly looks for Humanity to assist families in need of 2005, Wilson has helped equip our home- relationship between Habitat’s Honduras opportunities to equip others to create a decent housing. owner partners to build stronger, brighter office and Larach Company. The partner- positive, safe environment for people in After retiring honorably from the futures for their children through afford- DONATIONS ship is funding a project called Housing need. He kindly supports nonprofits that military, Reid worked hard to make able, decent housing solutions. IN FY2015 Solutions for Tolupanes Families of Mon- promote healthy environments across the his electrical business a success. He Wilson’s generous financial support has taña de la Flor, which will help indigenous Dominican Republic. As CEO of Mul- worked equally hard to instill the value improved housing and health for hundreds families living in a remote area build tiquímica Dominicana, Marranzini leads of generosity in his children. Drawing on of people through Habitat Côte d’Ivoire’s healthy, secure homes. During phase one the way in using sustainable and environ- memories of his grandmother’s life, Reid Hope Project. Thanks to her support, of the project, 25 indigenous families built mentally friendly methods. In addition to saw Habitat as a way to assist as many residents of Dimbokro, many of whom are healthy, affordable Habitat homes with following strict eco-friendly guidelines, people in need as possible. He began caring for orphans and vulnerable chil- access to hygienic sanitation facilities. the company implements and supports making financial contributions to Habitat dren, now have secure, decent homes and numerous outreach programs that assist in 1988, increasing his giving over the insecticide-treated mosquito nets. Hope CELSO MARRANZINI local families, schools and communities years. Eventually, Reid set up gift annu- Project participants, local leaders and other Creating opportunities for others to in providing a safe, stable and healthy ities with Habitat, which he saw as a way community residents received training on build healthy lives environment for all Dominicans. Habitat to help even more families in perpetuity. inheritance rights and attended sessions on Habitat for Humanity is pleased to part- is grateful to be in partnership with a Habitat is happy to honor Reid’s dona- how to prevent and treat diseases such as ner with Marranzini of the Dominican like-minded supporter like Marranzini. tions over the past three decades, which HIV/AIDS and malaria. Republic. Marranzini’s recent multiyear have advanced our work to help millions Thousands of individuals around the pledge will empower people across Latin ED REID of individuals around the world improve globe whose lives have been touched America and the Caribbean to improve Honoring a lifetime of giving their living conditions. by disasters also have benefited from their homes and communities. Thanks Ed Reid spent his life taking action to Wilson’s donations. Individuals living in to Marranzini’s generosity, countless help others. He learned what it means to BICKLEY C. WILSON poverty are often hit hardest by disasters. families will be able to build, repair and give of yourself to help others as he atten- Helping the most vulnerable families With Wilson’s help, Habitat’s disaster-af- renovate their homes to create a better tively watched his grandmother during improve their living conditions fected partner families have been able to environment in which their children can the Great Depression. Though not a rich Habitat for Humanity proudly celebrates rebuild their homes, communities and grow and play. In addition to his financial woman, his grandmother would go out a decade of working in partnership with lives in a way that makes them stronger contribution, Marranzini and his wife, of her way to help those who had even Bickley C. Wilson, founder of ArtReach than before the disaster. Carmen de Lourdes, took time out of less. Her kindness and generosity left a Orlando. Her enduring passion to em- their busy schedules to join some of their lasting impression on the young man. power children and advance social justice peers from around the world and Habitat Reid grew up to serve his country during is made clear through years of dedicated leaders for the 2015 Jimmy & Rosalynn World War II, and for the last 27 years of charitable work, including her donations Carter Weekend in May. his life, Reid partnered with Habitat for to Habitat’s global housing ministry. Since $10 MILLION+

DONATIONS IN FY2015

Habitat for Humanity International is thankful for our many generous corporate partners who seek a world where everyone has a decent place to live. Included on this list are commitments from donors whose gifts or $1 MILLION+ grants were made directly to an independent Habitat Aktion Deutschland Hilft Enbridge Lowe’s Mary Lynn and Warren R. for Humanity national Staley American Red Cross European Union Lutheran World Relief organization. Thank you! J. Ronald Terwilliger ANONYMOUS Foreign Affairs, Trade and MasterCard Foundation Development Canada United States Agency for Bank of America Maxlite Corporation International Development GAF Materials Corporation Cree Inc. MCAP (USAID) General Motors Foundation Delta Air Lines Mountain Re-Source Center USAID-Office of Foreign Genworth Canada Delta Faucet Newell Rubbermaid Foundation Disaster Assistance (OFDA) Pat and Tom Gipson Department of Social Nissan North America Whirlpool Corporation Welfare and Development, Hilti Foundation Owens Corning World Bank/Government Philippines of Haiti (BMPAD) The Home Depot Foundation POSCO ECHO (European Commission’s JPMorgan Chase & Co. Yale Humanitarian Aid and Civil San Miguel Foundation Protection department) Korea International Cooperation Agency

51 $500,000+ Segal Family Foundation Hurricane Sandy New Jersey AIG GFS Canada Limited Estate of Charlene Rio Relief Fund Inc. All Weather Windows Keely N. and R. Scot Sellers AirAsia Group Estate of Rosemarie Gilman Robert Bosch GmbH Hyundai Motors The AMES Companies, Inc. Solutions 2 Go Inc. Al Waleed Foundation Gilman Ordway 2012 Charitable Estate of Renee Rojahn Jersey Overseas Aid Commission Lead Trust Arias St. Gobain Alabbar Enterprises Saigon Broadcasting Television Kilpatrick Townsend & Stockton LLP Daikin North America Network (SBTN) Australian Government Department State Farm American Industrial Partners of Foreign Affairs TD Ameritrade Holding Corp. Kincaid Furniture Company Andersen Corporation Google Inc. Sailors Society The Bradbury and Janet Anderson Estate of Naomi Totten Kum & Go Angelo King Foundation Government Housing Bank Scotiabank Family Foundation The Travelers Companies, Inc. MariaMarina Foundation ANONYMOUS Grant Thornton Tiziana and Ramez Sousou Jorge Bueso Velux Foundations MetLife Foundation Apl.de.aP Foundation Inc. Greystone & Company, Inc. Nancy and Rex J. Spivey CGC Inc. Wienerberger AG Minwax Applied Materials Korea Lois and Irving Hall Sumitomo Chemicals Estate of Steven Chinworth National Centre for Research & Asia Pulp & Paper Estate of Mary V. Hearn The Sunshine Fund Development Citi and Citi Foundation AT&T Digital Life The Hearst Foundations Swiss Capacity Building Facility National Lottery Control Board Covidien $250,000+ ATG Stores Hilfswerk der Deutschen Lions Swiss Re Foundation New Opportunities Foundation Credit Suisse Ace Hardware Ayco Charitable Foundation HKU Space Tachane Foundation Inc. New Zealand Ministry of Foreign Carmen de Lourdes Esteva Aditya Birla Group Bank of New York HMG Estate of Bertha Tomaska and Celso Marranzini Affairs & Trade AGFUND Bank of the West iPartner Holdings Ltd. Surya Toto EXIT Realty Corp. International North Point Ministries Alfamart Barnes & Noble College Japan Platform Trade Centre Hardware The Foster Family Foundation Novelis The Argosy Foundation Bayer Cares Foundation JELD-WEN Travel and Transport Inc. Fund for Shared Insight Paypal Giving Fund Atlantic LNG Company Reckitt Benckiser Trust of Stephens A. Juhan Estate of Leona E. Tyler GDF Suez Pfizer BP Trinidad and Tobago Benevity Kijiji Canada Walt Disney World Globe Telecom Inc. Philippine National Red Cross Estate of Arleen J. Brown BigRentz.com Estate of Jane S. Kodama Estate of Arline and James Weil Government of India Philips Lighting Canadian Institute of Elizabeth K. Blake Korea Zinc Weiner Brodsky Sidman Kider Halstead New England Corp. Point Lisas Nitrogen Limited Plumbing & Heating Bloomberg Estate of Judith A. L’Italien Bickley Wilson HD Supply, Inc. – Facilities Purdy Inc. Caribbean Nitrogen Limited & Blueline Rental Inc. Loxscreen Canada Wine Rack Maintenance Nitrogen (2000) Unlimited QBE Caerus Foundation Inc. Mapei Chun Wo Hong Kong Special Administrative Cebu Landmasters Inc. Quezon City Local Government Region Clifford Chance Jimmy Masrin Wolseley Canada Inc. Cheil Industries Inc. Samsung C&T Hunter Douglas Cisco Systems Foundation MasterCard Center for Inclusive YKK Christian Aid Ministries SAP Solidarity Fund Growth Independent Charities of America Community Chest Korea Estate of Melvin Young Coca-Cola Foundation Seoul Milk Estate of Mary R. McNamara Infor Global Solutions Constellation Brands Philippines Inc. Estate of Jeanne T. Sharpe Mercury Insurance Group Coosal’s Construction Company IRN – The Recycling Network DAP Products Simpson Strong-Tie Limited Milwaukee Electric Tool James Hardie Building Products Estate of Lawrence A. Dollman St. Scholastica’s College Daimler Financial Services Mobile Mini, Inc. Kabbalah Centre Charitable Causes Ann and Ted Dosch Standard Chartered Bank Dal-Tile Corporation Monsanto Korea Housing Guarantee Co. Ltd. Dulux Paint Taft Property Venture Development Darden Corporation Municipal Property Assessment Emilio Larach Duro Dyne Corporation Towerbrook Capital Partners Corporation DMCI Masco Corporation European Commission Transamerica Nissan Motor Co., Ltd. (Japan) Nellie Drake Estate of Robert B. McCreadie Evonik Industries Travellers International Hotel Noble Trade EIDHR (The European Instrument for Morgan Stanley Group Inc. Estate of Lorraine Fedor Democracy and Human Rights) Oakville Stamping & Bending National Gas Company of Trinidad Vitol Charitable Foundation Thomas D. Foley EOG Resources Limited Emmanuel “Manny” Dapidran and Tobago Limited Wayfair Pacquiao Ford Foundation Far East Organization P&G Wells Fargo Housing Foundation Paul Mitchell Schools Frontier Group of Companies Inc. Floor & Decor Pinoy Relief Posco E&C Suzan Gordon Florida Georgia Line and Omaze RBC Foundation ProBuild HDFC Life Foodsphere Inc. Reid Family Foundation $100,000+ Prudential Financial, Inc. Hong Kong Special Gap Inc. Republic Bank Limited Administrative Region 3M Canada Puno & Puno Law Office Estate of Joan C. George SAMSUNG HSBC AARP Foundation Giesela and Cameron Purdy Gesco Industries The Seedlings Foundation HSN, Inc. Acclaim Lighting Inc. Renin Corporation HABITAT FOR HUMANITY INTERNATIONAL HABITAT FOR HUMANITY INTERNATIONAL BOARD OF DIRECTORS SENIOR LEADERSHIP FY2015*

Chair Alexandre Gouvea Scot R. Sellers Jonathan T.M. Reckford Richard Hathaway Renée Glover Senior Partner, Consultant, Retired, Chief Executive Officer, Chief Executive Officer Vice President, Former President and Chief Executive McKinsey & Co. Archstone Asia and the Pacific Officer, Atlanta Housing Authority São Paulo, Brazil Englewood, Colorado Mike Carscaddon Atlanta, Georgia Executive Vice President, Sue Henderson Alberto Harth Ramez Sousou Administration; Chief Financial Officer Vice President, Operations, Vice Chair President, Civitas CEO, TowerBrook Capital Partners U.S. and Canada Henry Cisneros San Salvador, El Salvador London, United Kingdom Chris Clarke Chair, City View Senior Vice President, Gail Hyde San Antonio, Texas Jessica Jackley Mary Lynn Staley Marketing and Communications Vice President, Information Technology; Investor and Adviser, Volunteer and Philanthropist Chief Information Officer Vice Chair Collaborative Fund Edina, Minnesota Larry Gluth Alex Silva Los Angeles, California Senior Vice President, Jim Mellott President and Founder, Omtrix Inc. Eduardo Tabush U.S. and Canada Vice President, Finance; Controller San Jose, Costa Rica Koome Kiragu CEO, Meritage Assets Corp./ Leoma Properties Joomlashack.com Connie Steward Juan Montalvo Secretary Nairobi, Kenya Guatemala City, Guatemala Senior Vice President, Vice President, Internal Audit Bradford L. Hewitt Human Resources, Learning and President and Chief Executive Officer, Jimmy Masrin Ron Terwilliger, ex officio Organizational Development Torre Nelson Thrivent Financial President Director and CEO, Retired, National Managing Partner, Vice President, Latin America Medicine Lake, Minnesota Caturkarsa Megatunggal Trammell Crow Residential Kymberly McElgunn Wolff and the Caribbean Jakarta, Indonesia Atlanta, Georgia Senior Vice President, Development Treasurer Chris Vincent Joe Price Bo Miller Gladys Gary Vaughn Mark Andrews Vice President, Government Former President of Consumer Co-Founder and Principal, Director of the Office of Outreach, Vice President, Volunteer and Relations and Advocacy and Small Business Banking, NightFire Advisors United States Department Institutional Engagement Bank of America Midland, Michigan of Agriculture Steve Weir Charlotte, North Carolina Cabin John, Maryland Gregory Foster Vice President, Global Program Vivian Pickard Vice President, Europe, Development and Support President of the General Motors Fernando Zobel de Ayala Middle East and Africa Foundation and Director of President and Chief Operating Officer, Tom Jones Cary Evert Corporate Relations, Ayala Corp. Hilary Harp Ambassador at Large President and Chief Executive Officer, General Motors Co. Makati City, Philippines Vice President, Legal; General Counsel Hilti Detroit, Michigan Tulsa, Oklahoma Jonathan Reckford, ex officio David Fischer CEO, Habitat for Humanity International President and CEO, Greif Inc. Atlanta, Georgia Delaware, Ohio * Effective June 30, 2015

53 HABITAT FOR HUMANITY INTERNATIONAL OFFICES

Habitat for Humanity International Latin America and the Caribbean area office Read Habitat’s FY2015 Annual Report online: Operational headquarters Del Hotel Irazu 300 Noreste y 100 Este, La Uruca Habitat.org/multimedia/annual-report-2015 121 Habitat St. San José, Costa Rica Americus, GA 31709 USA Mailing address: Phone: +1-800-422-4828 SJO-2268 Email: [email protected] P.O. Box 025331 Visit Habitat for Humanity International’s Miami, FL 33102-5331 website at Habitat.org Habitat for Humanity International Phone: +506-2296-8120 Administrative headquarters Email: [email protected] 270 Peachtree St. NW, Suite 1300 Atlanta, GA 30303 USA U.S. and Canada area office Facebook.com/Habitat Phone: +1-404-962-3400 270 Peachtree St. NW, Suite 1300 Email: [email protected] Atlanta, GA 30303 USA Phone: +1-800-422-4828 Asia and the Pacific area office Email: [email protected] Instagram.com/habitatforhumanity 111 Paseo Condo Building Tower 1, Third Floor 111 Paseo de Roxas, Habitat for Humanity International Makati City 1229, Philippines Government Relations and Advocacy office Phone: +63-2553-4455 1424 K St. NW, Suite 600 Email: [email protected] Washington, DC 20005-2429 USA Twitter.com/Habitat_org Phone: +1-202-239-4441 Europe, Middle East and Africa area office Email: [email protected] Zochova 6-8 811 03 Bratislava, Slovakia Join Habitat’s blog community Phone: +421-2-336-690-00 at Habitat.org/blog Email: [email protected]

ON THE COVER

Zoe Bulik, 5, lives with her mother, Betti; her grandmother Erika; and her mother’s four siblings in Veresegyház, Hungary. For years, their house had no insulation, which resulted in cold winters, high heating costs and mold. A Habitat for Humanity Global Village team helped to insulate their home.

COVER PHOTO: EZRA MILLSTEIN

INTERNATIONAL HEADQUARTERS: 121 Habitat St. Americus, GA 31709-3498 USA

229-924-6935 800-HABITAT fax 229-928-8811 [email protected] habitat.org 7475/21M/COM/10-15