Becauseof this

HABITAT FOR HUMANITY INTERNATIONAL ANNUAL REPORT FY2014 house…July 1, 2013 – June 30, 2014 In FY2014, Habitat for Humanity served more than 300,000 families – about 1.6 million people – through home construction, rehabilitation and repairs or increased access to improved shelter through products and services.

Since Habitat was founded in 1976, more than 1 million families – representing more than 5 million people – have a safer place to sleep at night and a foundation on which to build better lives.

In addition to the 1.6 million people helped through direct services last year, another 1.6 million people now have the potential to improve their housing conditions through a wide range of indirect services — from training in construction and financial management to advocacy efforts that change policies and systems to allow more access to shelter solutions. Becauseof this … houseHABITAT FOR HUMANITY INTERNATIONAL ANNUAL REPORT FY2014 July 1, 2013 – June 30, 2014

LETTER FROM THE CEO 3 BY THE NUMBERS 4 INTRODUCTION: ‘I WANTED HOME TO BE A SAFE PLACE’ 9 CHAPTER 1: BUILDING HOMES 12 CHAPTER 2: BUILDING IMPACT 20 CHAPTER 3: BUILDING HOPE 26

Because FY2014 SUMMARY OF HOUSEHOLDS SERVED 32 FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT of this LETTER FROM THE CHAIR 34 CHAPTER 4: A COMMITMENT TO GLOBAL STEWARDSHIP 35 … CONSOLIDATED STATEMENTS OF FINANCIAL POSITION house 1 CONSOLIDATED STATEMENTS OF ACTIVITIES AND CHANGES IN NET ASSETS AUDITED CONSOLIDATED FINANCIAL STATEMENTS UNAUDITED COMBINED FINANCIALS CHAPTER 5: GENEROUS PARTNERS KEEP THE MISSION ALIVE 38 CORPORATE PARTNERS INDIVIDUALS DONATIONS TO HABITAT FOR HUMANITY INTERNATIONAL HABITAT FOR HUMANITY INTERNATIONAL BOARD OF DIRECTORS 43 HABITAT FOR HUMANITY INTERNATIONAL SENIOR LEADERSHIP 43 HABITAT FOR HUMANITY INTERNATIONAL OFFICES 44

BECAUSE OF A HOUSE

FAMILIES HAVE BETTER HEALTH, EZRA MILLSTEIN BETTER SECURITY, BETTER FUTURES

At Habitat for Humanity, we are com- I recall a conversation I had with Wil- mitted to help exponentially more liam Tandongfor and his family, who had people improve their housing situations, immigrated to the U.S. from Cameroon. because we believe that adequate and The $492-a-month mortgage payment affordable housing is foundational for on his Habitat home in Atlanta is much FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT breaking the cycle of poverty. I get excit- more affordable than what he previously ed when we develop strategies that will paid in rent for a much smaller place. He make life better for millions of people no longer has to work two jobs, so he can and transform entire communities. be with his children at night. The part of my job that I love the William told me that his five children The next day, when we all gathered For families around the world, so 3 most, however, is when I get to talk with all made straight A’s in school, and he inside her new concrete-block home, many positive changes are taking place some of those people whose lives have says having a place to study and play has the pounding rain started again. Soy — because of a house. been changed in so many different ways been an important part of their success. Lorng examined the ceiling with such because of a new or improved house. Since moving into their home, William relief that not a drop of water seeped in. In partnership, I think about people like 65-year- has earned a master’s degree in educa- Having four walls and a real roof means old Tania da União, whom I met in tional leadership and advanced in his job. she can sleep in peace. Recife, Brazil. She suffered from asthma For homeowner Soy Lorng in In fiscal year 2014, we passed an and had repeated bouts of pneumonia Cambodia, having a roof over her important milestone: Since Habitat’s because she lived for many years in head is a great blessing. She told me founding in 1976, we have helped 1 Jonathan T.M. Reckford homes with mold and terrible ventila- recently about the difficult night she million families improve their housing CEO, Habitat for Humanity International tion. Habitat Brazil helped Tania access spent before the dedication of her new situation. Our long-term goals at Habitat microcredit so she could install a win- home. Her family previously lived in a for Humanity are to build impact so that dow, put on a new roof and create some makeshift shelter near a dumpsite. She millions more people will be lifted out of ventilation. Since then, she has not had only a tarp to protect all the fam- poverty. I believe God also smiles at our suffered from pneumonia once. Because ily’s belongings, and she spent the night everyday joys that come when individu- her home enables her simply to breathe standing up, trying to keep the rain out als breathe easier, sleep better, enjoy more fresh air, her life is so much better. during a storm. time with their children and live better. 4 BY THE HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT NUMBERS

JULY 1, 2013 – JUNE 30, 2014

VERESEGYHÁZ, HUNGARY — Sandor Kerekes, con- struction manager at Habitat for Humanity Hungary, helps a team of Global Village volunteers rehabilitate the home of Erika Bulik, a widow who lives with her mother, her five children and a granddaughter. For years the house had no insulation, which resulted in high heating costs, along with life-threatening mold. SINCE HABITAT’S FOUNDING IN 1976, WE HAVE HELPED

1 MILLION FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT FAMILIES CHANGE THEIR LIVES THROUGH BETTER HOUSING.

5 Countless donors and volunteers have made this phenomenal accomplishment a reality and set the stage for making an even greater impact in the future. Every contribution of money or muscle makes a difference in the life-changing mission of Habitat for Humanity.

EZRA MILLSTEIN BY THE NUMBERS

6 2 MILLION+ ESTIMATED NUMBER OF VOLUNTEERS WHO LENT THEIR HANDS AND HEARTS TO HABITAT. HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT

EZRA MILLSTEIN SAN SALVADOR, EL SALVADOR — Volunteer David 75,807 35 575 93 Treleven, a sustainable construction expert from Home improvement Years in operation for four AmeriCorps members Children in extremely Raleigh, North Carolina, basks in the moment after digging a trench for a retaining wall at a Habitat build loans disbursed by U.S. affiliates: Habitat of who served at U.S. poor families in the site. Treleven was part of a team of AmeriCorps alumni microfinance institutions Lee and Hendry Counties Habitat affiliates in more Guatemalan village from across the United States who traveled to El in Latin America and in Southwest Florida; than 150 communities in of Macalajau who Salvador to help build homes. the Caribbean through Habitat of Metro Denver, 37 states and the District benefited from a family Habitat’s Center for Colorado; Habitat Kansas of Columbia, providing garden project, giving Innovation in Shelter City in Missouri; and nearly a million hours them access to better and Finance, mobilizing Habitat of Jefferson of service and serving nutrition and health. US$91 million in capital. County in Texas. more than 3,200 families. NDOLA, ZAMBIA — Mary Banda and her family are repaying a 2 MILLION no-profit mortgage over five years Dollars disbursed from to Habitat for Humanity Zambia. Habitat for Humanity’s MicroBuild fund to the microfinance organization Credo 600 in the East European Average housing FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT country of Georgia, so microfinance loan (in it could begin offering U.S. dollars) in Tanzania, home improvement Kenya and Uganda. loans to low-income clients. Similar 7 housing microfinance 800,000 partnerships were started Families living without in neighboring Azerbaijan security of land tenure and Kazakhstan. who benefit from a

Habitat-backed policy EZRA MILLSTEIN change in Pernambuco 2,000 state, Brazil. Families who received + 5,816 450300,000 cleanup kits after Volunteers who helped Families in Léogâne, FAMILIES SERVED IN FY2014 devastating floods and 4,000 build with the U.S.- Haiti, who received THROUGH HOME CONSTRUCTION, landslides in Bosnia- Smokeless stoves based Global Village solar lights from the Herzegovina in May installed in Guatemala, and Thrivent Builds Waka Foundation, REHABILITATIONS AND REPAIRS, 2014. Hygiene items making cooking safer Worldwide programs, in partnership with and basic supplies and more efficient. donating $3.7 million to Habitat for Humanity AND BY INCREASING ACCESS TO allowed families to start national organizations Netherlands and Habitat removing debris and and more than $1 million Haiti. Before, families IMPROVED SHELTER THROUGH mud from their homes. to Habitat for Humanity used gas lamps or International. candles as their only PRODUCTS AND SERVICES. light sources. BY THE NUMBERS

10,600 110 MILLION 821,421 Students who participated Dollars raised by 910 SUPPORTERS FROM 11 ASIA/PACIFIC in Collegiate Challenge, Habitat for Humanity COUNTRIES WHO TOOK PART IN THE 2014 a year-round alternative ReStores in the United break program. They States and Canada for HABITAT YOUTH BUILD, BUILDING HOMES donated more than home building, while $1.6 million to U.S. affiliates. diverting more than AND ALSO RAISING AWARENESS AND FUNDS. 235,000 tons of reusable materials from landfills. 700

HABITAT FOR HUMANITY INDONESIA HABITAT International and local 8 delegates from 35 4,265,700 countries who took part in Nails used to build the three-day Asia-Pacific houses in Canada. (Also 5,000 Housing Forum in October in FY2014, Canadian People who took off their 2013 in Manila, Philippines. staff members and

HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT shoes and took part in volunteers installed the sixth annual “Bare 139,780 studs and used Your Sole” fundraising 127,065 34,491 liters of paint.) walk for Habitat for (AND RISING) Humanity Singapore. Views of Wong Fu’s Donations totaled more YouTube video of a 30 than US$240,000. Habitat for Humanity build Years of Habitat for in Kuching, Malaysia. Humanity’s Jimmy & Rosalynn Carter Work 50 Project, a weeklong U.S. affiliates trained in 20,792 building event to draw the Competent Person Shelter repair kits public attention to the Safety Program through distributed to Typhoon cause of affordable the RV Care-A-Vanners. Haiyan survivors in the housing. Philippines. ‘I wanted to be a homesafe place’ FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT

ebecca Fernandez has vivid memo- 9 ries of life before she and her family Rmoved into a Habitat for Humanity house in Denver, Colorado, in 2011. Free-roaming rodents, routine water leaks, scary neighbors, and higher and higher rents combined to make life dan- gerous, unhealthy and unpredictable. “My biggest concern was not being at peace with having my daughter go out and play with friends — and not be- ing able to be at peace inside knowing that she was in a safe place,” Fernandez said. “I wanted home to be a safe place.” It’s not a complicated dream, but for too many parents around the world, it seems like an impossible one.

DENVER, COLORADO, USA — Rebecca Fernandez credits her Habitat home with giving her and her daughter a new sense of confidence. JASON ASTEROS BOMET, KENYA — Sofia Koech is part of a small microfinance group in a farming community that is being transformed as members take out small loans from Habitat to improve their houses incrementally, as their resources allow.

Three years after moving into a Habitat house, Fernandez; her husband, Miguel; and 16-year-old daughter Dani- elle have found not only peace of mind, but also confidence in themselves and in the future. Fernandez works as an administrative assistant at her church, New Hope Ministries, and her husband does car emission inspections. Danielle 10 is on track to graduate from high school in the spring of 2015. She might be an artist, her proud mom says, or she might study to become a veterinary assistant. “We don’t just have one dream,”

HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT Fernandez said. “We have a bunch of them now. Habitat has taught me that you can accomplish your dream, but you have to work at it.” Because of this house, the Fernandez “The next time youTERESA K. WEAVER family has new ambitions and new hope. Because of this house, uncertainty has turned to opportunity. come, we will have that finished.” KILLAI, TAMIL NADU, INDIA — G. Sundaramurthy and his family have

rebuilt their lives since the 2004 HABITAT FOR HUMANITY INDIA Indian Ocean tsunami destroyed virtually everything in its path. FINDING NEW WAYS TO SERVE

It’s a dynamic that plays out in countless In addition, Habitat’s groundbreak- ways around the world, in all 50 U.S. ing work in housing microfinance is states and in more than 70 countries opening up access for hard-working where Habitat for Humanity works. people who had been shut out of formal SEEING HOPE THROUGH THE STORM

Just as you can’t build a house with banking systems. Small, short-term FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT only one tool, you can’t eliminate pov- loans empower people in many coun- Habitat’s secret to success is listening to well enough to provide employment for erty housing with only one approach. tries to build in stages. people, understanding their needs and 10 other families in their village. Their Nearly four decades into the mission, Sofia Koech is a member of one then using the expertise honed over 38 children, now grown, are leading suc- Habitat’s work has expanded and microfinance group in Bomet, a small years to solve problems creatively. Ten cessful lives of their own. adapted to meet the needs of people farming community in Kenya. She is years ago, disaster response became a Since the family’s 300-square-foot 11 in radically different shelter situations repaying a small loan that allowed her crucial part of Habitat’s mission after a core house was built, the family has around the world. to put concrete floors in her house, tsunami of biblical proportions devas- added 200 square feet of space, includ- Building new homes with partner making it safer and healthier for her tated multiple countries in Asia, includ- ing a kitchen/dining room. Outside, families will always be part of what family. As soon as that loan is repaid, ing India’s southeastern coast. Seeing they built a security wall and planted a Habitat for Humanity does. But it’s not she said, she wants to take out another the desperate need, Habitat the builder vegetable garden. the only way to achieve our mission. one to do some decorative stonework became the rebuilder. “Habitat instilled hope when our Through a much broader, more holistic on her exterior walls. Rani Sundaramurthy, who was 43 family was stranded — homeless and approach, Habitat is revitalizing entire “The next time you come, we will in December 2004, survived the tsu- hopeless,” G. Sundaramurthy said. “They neighborhoods in the U.S., addressing have that finished,” she said, beaming nami, along with her family of five. But gave us the courage to face the future.” larger issues such as water and sanita- with a sense of pride and accomplishment they had lost everything. The circumstances may vary, but tion that serve whole communities that is recognizable in any language. In partnership with Habitat for hopes and dreams are remarkably simi- in many developing countries, and Whatever the type of intervention, Humanity India, the family rebuilt their lar around the world. advocating for policy changes at local, the result is always the same: More house, which also served as the hub of Because of that rebuilt house, a fam- state and national levels worldwide that people’s lives are improved through their small fishing business. Eventually, ily’s hope was restored. improve living conditions for thousands better shelter. the children returned to school, and life Because of that house, suddenly all of families at a time. returned to normal. Now Rani and her things seemed possible. husband, G. Sundaramurthy, are doing BECAUSE OF THIS HOUSE … “My sisters and I 12 BUILDING accomplished things

HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT that my parents could HOMES only dream of.” — Adriana Resendez 11 of Miami, Florida, USA HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT

13

Adriana Resendez, the daughter of Mexican immigrants, was a young child when her family moved out of a converted garage into a Habitat house. Since complet- ing her studies with honors, she has dedicated her life to helping others in Latin America and the Caribbean. JASON ASTEROS BUILDING 1HOMES

driana Resendez is the daughter of “When you struggle as a family … Mexican immigrants who came to and something like Habitat comes to you HABITAT’S ICONIC A the United States. She was 8 when in your life, that allows you to see the her family moved out of a converted light at the end of the tunnel,” Resendez SELF-HELP MODEL PERSISTS garage into a new Habitat for Humanity said. “It just motivates you as a family to house in March 1993. That house, built keep working hard, because you know BECAUSE IT WORKS. in partnership with Habitat for Human- that good things can come to you, if you ity East Bay/Silicon Valley in California, just keep at it, just keep trying.” changed everything. Since Habitat for Humanity was As with most grassroots movements, “I believe it creates a trickle ef- founded in 1976, more than 1 million momentum built slowly. It took 24 years fect,” Resendez said. “You have a home, families have been able to improve their — from 1976 to 2000 — for Habitat you’re able to have an education. You living conditions and change the arc of to build the first 100,000 houses. Now 14 have a life where you can dream, you their lives. the mission serves more than 300,000 can actually achieve. That’s what it’s In many cases, cycles of poverty that families every year, through myriad pro- done for my sisters and me.” had persisted for generations have been grams and initiatives that address needs After growing up in that home, broken because of a house. across the shelter spectrum. Resendez graduated with honors from Habitat’s iconic self-help model Benchmarks of families served are

HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT the University of Southern California persists because it works. When low- inspiring reminders of how far we’ve and then completed a master’s degree income families get the opportunity to come, but primarily they serve as an in global affairs at New York University. build their own homes and gain access ongoing challenge to do more, to reach Now she works for the Pan American to affordable mortgages — or when more people in need, and to enlist new Development Foundation, fulfilling her they receive financial literacy training hearts in the mission. dream of promoting social progress or other housing support services — and economic equity in Latin America they are able to start growing assets, and the Caribbean. their children are healthier and do bet- ter in school, and communities are safer and more economically viable. HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT

15 SERVING MORE THAN 300,000 FAMILIES IN FISCAL YEAR 2014 BUILDING 1HOMES

LONG-TERM COMMITMENT

In May 2014, 120 former and current “The mission really connects with RALEIGH, NORTH CAROLINA, USA — Will Rice and Hannah Raines postponed their honeymoon in members of AmeriCorps — part of people,” he said. “They’re serving, but May 2014 so they could both take part in Habitat for the U.S. Corporation for National and they feel better about themselves and ­Humanity’s annual AmeriCorps Build-a-Thon. Community Service — converged on a about the world when they walk away. working-class neighborhood in Wake That’s what makes them want to come County, North Carolina, for Habitat for back and do it again and again.” Humanity’s annual Build-a-Thon, dur- Hines grew up in Danbury, Con- ing which they would build five homes necticut, in a family that lived out its and repair eight more in one week. ideals of community activism every day. 16 That event is part of Habitat’s long- “Service wasn’t an option; it was an term partnership with AmeriCorps. expectation,” Hines said. “If you’re one In nearly two decades, more than of the ‘haves’ in this world, then you give 8,000 Habitat AmeriCorps members what you can and help the ‘have-nots,’ have served more than 20,000 fami- because that’s how we all live better.”

HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT lies, engaged more than 3.1 million Among the 120 other AmeriCorps volunteers and raised tens of millions members and alumni at the Build-a- of dollars to meet the housing needs Thon were Hannah Raines, 26, and Will“We’re building of families in the U.S. Rice, 33, of Charlotte, North Carolina. “You feel like part of the greater The young couple got married only world around you in a good way,” a few days before the Build-a-Thon said Dan Hines, a 31-year-old former and then postponed their honeymoon AmeriC­ orps member who works full indefinitely so they could both spend all time at Habitat for Humanity of Wash- week at the construction site. ington, D.C. He took a week off from “We’re building our life together as work to help build in Wake Forest. we’re building for others,” Raines said. a life together as “That has a nice ring to it.” we’re building for others” JASON ASTEROS HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT “We’re building 17 a life together as we’re building for others” BUILDING 1HOMES

CELEBRATING THE MILESTONES

Around the world, milestone anniver- saries attest to the long-term dedication and commitment that are at the heart of Habitat’s work. At the 30th annual Jimmy & Rosa­ lynn Carter Work Project in October 2013, thousands of volunteers joined the former U.S. president and first lady EZRA MILLSTEIN to spend one week building in five cit- 18 ies: Oakland and San Jose, California; Denver, Colorado; New York, New York; and Union Beach, New Jersey. In three decades, the Carter Work Project has served more than 3,000 Habitat

HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT families and attracted worldwide atten- tion to the cause of affordable housing. Also in 2014, the intrepid RV Care- A-Vanners — many of whom are retired people who dedicate much of their free time to building with Habitat — marked

TOP: NEW YORK, NEW YORK, USA — Former President Jimmy Carter and longtime Habitat volunteer George “Bucky” Weeks returned in October 2013 to the apart- ment building on the Lower East Side that was the site of the first Carter orkW Project 30 years earlier. CHRIS HAUGEN BOTTOM: DENVER, COLORADO, USA — Children of new home- owner Marcela Ovalle enjoy the view of volunteers at the 30th annual Jimmy & Rosalynn Carter Work Project. their 25th year on the road, building In December 2013, 58-year-old houses, responding to natural disasters Maria Rodriguez (at right) made her and conducting training certified by the final mortgage payment, delivering it U.S. Occupational Safety and Health in person to the national director of

Administration to keep build sites safe Habitat for Humanity Honduras. Her FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT and productive. At the other end of the tears of joy spoke volumes about what a “I never age spectrum, Collegiate Challenge — a simple house had meant to her family. year-round alternative break program “I never thought I would have my — also celebrated 25 years of engaging own house,” she said. volunteers in the mission. Rodriguez, a single mother of three, them was stability, they said. Their 19 In FY2014, Habitat for Humanity worked two jobs in order to provide four children had been given the op- thought I India celebrated 30 years of building. for her children. Every morning, she portunity to make friends and go to Habitat Philippines marked 25 years; took in her neighbors’ laundry, earning the same schools. Habitat Paraguay celebrated 15 years; 10 cents per dozen pieces, and every “That is priceless in itself,” Groth and Habitat Japan and Habitat Singa- afternoon, she worked in a coffee mill said, “and in the long run makes the would have pore each commemorated 10 years. for US$6 a week. community a better place to live.” Four U.S. affiliates celebrated their She had no hope of building a prop- Such celebrations happen every day 35th anniversaries in 2014: Habitat of er home for her children until Habitat around the world, reminding us that Lee and Hendry Counties in Southwest Honduras intervened in 1999. the success of our mission is measured my own Florida; Habitat of Metro Denver, Colo- “I felt great joy living with my chil- equally in huge numbers and personal rado; Habitat Kansas City in Missouri; dren in our own home,” Rodriguez said victories. All momentum is directed at and Habitat of Jefferson County in as she delivered her final installment. making a real dent in the one number Texas. And 52 others crossed the 30- In June 2014, Peter Groth and Sally that drives us: 1.6 billion people still live year benchmark, from Central South Shaw paid off their mortgage in South in poverty housing. house.” Carolina to Sonoma County, California. Australia, marking the milestone with That compels us to find new ways to Some of the milestones are much a ceremonial fire. As parents, the most do more. more personal, but no less monumental. important thing the house had given BECAUSE OF THIS HOUSE … “It is much 20 BUILDING easier to live.” HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT — Tuy Kea 22IMPACT of Kampong Speu province, Cambodia HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT

21

UDON THANI, THAILAND — Linda Petersen, a Global Village volunteer from Seattle, Washington, delights in nonverbal communication with a young student at a school near the build site. EZRA MILLSTEIN BUILDING 2IMPACT “Success comes uy Kea, a widow, took out a “There’s a big difference between US$4,000 microfinance loan to microenterprise and housing microfi- T build a better home for herself, her nance,” Prieto-Callison said. “There’s an four children and emotional attach- with learning, and we are her grandson. ment when people She and four of “PEOPLE THINK talk about housing her neighbors in that we just don’t a small farm- ABOUT FUTURE see when they’re ing village about talking about mi- learning to be successful.” 22 an hour from GENERATIONS croenterprise. BUILDING IN STAGES Phnom Penh “People think have received WHEN THEY TALK about future gen- In FY2014, Habitat for Humanity Ke- stages as a family’s limited resources loans from TPC, erations when they nya joined peers in Ghana and Uganda allow. A one- or two-room core house is a local microfi- ABOUT HOUSING.” talk about housing. in a project called Building Assets, built first, and then windows are added,

HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT nance institution, That’s a very emo- Unlocking Access, partnering with followed by a concrete floor, an upgrad- and construction tional thing.” Habitat’s Center for Innovation in Shel- ed roof, an attached kitchen and so on. technical assistance from Habitat for In its traditional role, Habitat is a di- ter and Finance and Habitat Canada. Embracing that reality of how 70 Humanity Cambodia. rect service provider, ultimately handing The project, funded by a US$6.6 percent of the world builds, Habitat Many of these loan clients keep a set of keys to a new homeowner. In its million, five-year grant from The Mas- increasingly is working with success- their payment records in places of rapidly expanding role as an adviser and terCard Foundation, aims to change ful financial institutions to help them great honor, as if they were cherished housing sector expert, Habitat works the housing microfinance landscape diversify their microfinance portfolios heirlooms. The scenario plays out much with local financial service providers to in Africa and create opportunities for to include small, short-term loans for the same in settings around the world, develop new loan products that reach thousands of families. low-income people. said Sandra Prieto-Callison, director of lower-income people. In Ghana, Kenya and Uganda, less That creates vast new markets for housing finance and market develop- It’s still all about shelter solutions. than 3 percent of people have a tradi- the financial institutions and empowers ment at Habitat for Humanity’s Center And every intervention translates into tional mortgage. In those three coun- people to leverage their resources for for Innovation in Shelter and Finance. more people improving their own lives tries — and in most of the developing the greatest possible impact. through better housing. world — housing typically is built in “Success comes

with learning, and we are FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT learning to be successful.” 23

EZRA MILLSTEIN JACKSONVILLE, FLORIDA, USA — Sha’keria Riley (right) and her sister, Savannah Brown, walk to school in the New Town Success Zone, a community transformed through Neighborhood Revitalization efforts. ‘LEARNING TO BE SUCCESSFUL’

In the United States, neighborhood re- ship concept to include other residents has partnered with homeowners, local to walk to school. Most evenings, after vitalization has become an integral part in the community, to solicit their ideas government agencies and three dozen homework and dinner, she and her of Habitat’s approach, as it takes a wider and then to forge new relationships nonprofit organizations to not only family walk to the park, which is on view of setting entire communities up with local governments, schools, private build and repair homes in New Town, a site once occupied by boarded-up for success. companies and other nonprofits. but also to build a park, a community houses. And on the way home, they Housing doesn’t happen in a vacu- In the neighborhood of New Town garden and other amenities in this pre- drop by the community garden to check um. In many instances, for Habitat’s new in Jacksonville, Florida, 11-year-old viously dangerous and neglected area. on their onions, kale and cabbages. homeowners to thrive, other things in a Sha’keria Riley and her family are In this community, once defined by “Success comes with learning,” community need to change. Recognizing seeing the results of that approach. high rates of infant mortality, teenage Sha’keria said. “And we are learning to that, Habitat has expanded its partner- Habitat for Humanity of Jacksonville pregnancy, high school dropouts and be successful.” crime, it’s suddenly safe for Sha’keria BUILDING 2IMPACT

ALL PATHS LEAD TO A BETTER LIFE THROUGH HOUSING

Habitat’s proven success as a builder has Habitat Hungary worked with the In the wake of Typhoon Haiyan, one earned it a place in countless consor- government to make changes to the of the strongest storms ever to make tiums and public-private partnerships bailout program. Now when clients are landfall, Habitat for Humanity Philip- that keep affordable housing on the unable to pay, they have the option of pines is working with key partners, in- global development agenda and on the fixed-term leases rather than eviction. cluding the National Housing Author- hearts and minds of people everywhere. And clients are allowed to move into ity, in the recovery. Beyond traditional house-building, smaller apartments or apply for empty Through the ReBuild Philippines water and sanitation improvements are homes rather than stay in large units program, Habitat aims to build 30,000 saving lives in Ethiopia; energy-efficien- they don’t need and can’t afford to heat. core house units and help repair 30,000 24 cy solutions are relieving burdensome Those straightforward policy changes damaged homes through the distribu- costs for homeowners in Macedonia already have affected 25,000 people, giving tion of shelter repair kits. After being and Armenia; and advocacy efforts are them security of tenure, social services to one of the first aid agencies to arrive changing housing policies and regula- help fix their personal finances, and the on some of the hardest-hit islands in tions in El Salvador, Hungary and Bra- flexibility to find more affordable homes. November 2013, Habitat is committed

HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT zil, leading to better living conditions In fiscal year 2014, Habitat for to the long haul. for thousands of people. Humanity continued to build its reputa- Marichu Gullem and her family re- Habitat’s efforts in Hungary are a tion as a leading expert in innovative ceived a shelter repair kit from Habitat clear example of how much impact advo- shelter solutions around the world. At for Humanity Philippines, with funding cacy can have. When the financial crisis the fourth Asia/Pacific Housing Forum, support from Lutheran World Relief, hit Hungary, a well-intentioned national in the Philippines; the seventh World shortly after the typhoon hit. With the policy allowed thousands of people to Urban Forum, in Colombia; the first help of her brother, a carpenter, she sell their houses to the government, settle national housing forum in Bulgaria; and rebuilt her family’s home in three days. their debt and remain in their homes as other gatherings, Habitat played a lead- She also set up a small shop next door tenants. Strict criteria on need, however, ing role in talking about public-private as a way of generating income. meant that many people were unable to partnerships, land tenure, inheritance It was the critical first step in re- pay their rents and utilities, sometimes rights and other critical issues that could building their shattered lives. DAANBANTAYAN, PHILIPPINES — Violeta Canales and her 1-year-old son, Justin, gather with 75 of their on houses that were disproportionately have an impact on millions of people. “I don’t know what our future will neighbors to receive shelter repair kits from Habitat big and energy-inefficient. Habitat’s hard-earned expertise in be,” Gullem said, “but this house is for Humanity Philippines, with materials donated by J.P. Morgan. Nearly a year after Typhoon Haiyan rebuilding after natural disasters was enough for now.” ravaged the Philippines, thousands of families are still evident in 2014 as well. struggling to rebuild their lives. “I don’t

know what FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT

our future 25 will be, but this house is enough

JASON ASTEROS for now.” BECAUSE OF THIS HOUSE …

26 BUILDING “We will have

HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT happiness forever.”

HOPE — Paula Ponce 33 of San Vicente, El Salvador HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT

27

SAN SALVADOR, EL SALVADOR — Ester Noemi Chavez Mercado, 9, watches with curiosity and a smile as a team of AmeriCorps alumni from the United States helps build a new Habitat for Humanity home with her neighbor, Roxana Cruz.

EZRA MILLSTEIN BUILDING 3HOPE

‘WE SHOULD DEFINITELY DO SOMETHING’

aula Ponce lost her husband in avoidable part of a free society, or In 2014, more than 821,000 participants inside the infamous walls, and Habitat El Salvador’s civil war and also simply overlooked, even by well-inten- in 11 countries helped break the record Canada collected nearly US$200,000 in Pendured the deaths of four of her tioned people of means. For real change for Habitat Asia-Pacific’s third annual ticket sales to serve more families. children. She struggled for years to to happen, people have to care. And Youth BUILD. Launched in February, In March 2014, volunteers from take care of her then they the three-month campaign featured not Colombia, Costa Rica, Canada, Guyana, five remaining have to act. only house-building but also awareness- Paraguay and the United States joined children, build- FOR REAL CHANGE TO From the raising activities, including a T-shirt de- the World Team, a special brigade that ing makeshift start, Habitat’s sign contest, a video competition, street repaired homes in coastal Recife, Brazil, shelters of cheap HAPPEN, PEOPLE HAVE partnership rallies and flash-mob dances. Fundrais- and participated in soccer clinics and 28 metal sheets and model has en- ing netted more than US$400,000. games with local youths. Among many other scraps. TO CARE. AND THEN gaged every- “The experience of building so closely high-profile team members were Arnol- As her chil- one involved with the village people was just amazing,” do Iguaran, the top scorer in the history dren grew, Ponce THEY HAVE TO ACT. — prospective said Abhiruchi Agarwala, a young vol- of the Colombian national soccer team, dreamed that homeowners, unteer in India. “Because we all live in a and Victor Cordero, former captain of

HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT someday they corporate and proper house, we never think how the life Deportivo Saprissa, one of the top soc- would all live near one another in decent individual donors, and an inexhaustibly of a villager would be without a house. cer teams in Costa Rica. homes. But it seemed like a remote enthusiastic army of volunteers — in an “It just made me feel that we should In November 2013, Habitat Japan possibility until Habitat El Salvador intense, emotional experience. People of definitely do something that would celebrated its 10-year anniversary with intervened to help build five houses for all income levels work side by side on a change a person’s life.” a traveling photo exhibition featuring Ponce and her grown children. construction site, using their hands and All over the world, Habitat staff works by volunteers and staff members. Now 66, she has the peace of mind hearts to do manual labor. Celebrities, members and volunteers are finding And Habitat Singapore marked its first not only of having a home of her own, former heads of state, sports superstars, intriguing new ways to draw attention decade of work with a new sponsor for but also of knowing that her grandchil- skilled construction workers, novices, to the need for affordable housing. its annual barefoot fundraising walk, dren will grow up in safer, healthier retired professionals and college students Habitat Canada struck up a unique called “Bare Your Sole.” homes. Because of a house, they can all contribute in their own way. partnership with the Correctional Every special event helped to spread dream of much bigger things. And invariably, everyone leaves Service and hosted tours of the recently the message of Habitat and to encour- Sometimes poverty housing seems the experience feeling that they have shuttered Kingston Penitentiary, a pris- age everyone to think creatively about to be an intractable problem — like received much greater blessings than on built in 1835. For three weeks in No- what their role might be in the mission poverty itself — accepted as an un- they have given. vember 2013, the public got a glimpse to eliminate poverty housing. COURTESY OF HABITAT FOR HUMANITY ASIA/PACIFIC

PHNOM PENH, CAMBODIA — More than 800,000 people took part in Habitat for Humanity Asia/Pacific’s Youth BUILD activities spread across 11 countries over several months. Volunteers built houses, raised money and took part in a wide variety of events designed to increase awareness of the desperate need for affordable housing. HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT

29 BUILDING 3HOPE

PLAYING A ROLE IN THE RIPPLE EFFECT

Each generation brings something new Nigel Landon wanted to do some- to Habitat’s cause. thing special for his 13th birthday. Katie Caro’s first encounter with Rather than just have a party, he wanted Habitat for Humanity happened in July to give something back to his com- 2011, when she joined 20 other teenag- munity. So he picked up a hammer and ers in Tampa, Florida, to build houses started building birdhouses to be sold with families in need of shelter. Since in the Habitat for Humanity ReStore in then, she has been on four build trips in California’s San Gabriel Valley. three U.S. states. “I want to help your organization as 30 In 2013, Caro returned to a com- much as I can,” Nigel said. “And I’d like munity in Albany, Georgia — near the to work at one of your construction sites birthplace of Habitat for Humanity when I get older. I like to build things.” International — and saw for the first Tess Reiman was 12 when she time how much impact their previous watched with envy as her brother Jake

HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT building had made. spent a summer doing construction “Seeing the impact our work could work with Beaches Habitat for Human- make on a community really brought ity in Florida. my Habitat experience full circle,” Caro “I wanted to be like my big brother, said. “Not only were individuals being but I was too young to work on the given a hand up, but a new life had houses,” Tess said. “I thought to myself, been created for an entire neighbor- ‘What could I do to help the families hood. This is special. This is why the that move into Habitat houses?’ ” work I’ve done matters.”

ATLANTIC BEACH, FLORIDA, USA — Young volunteer Tess Reiman (left) adds an educational component to Habitat’s mission of providing affordable housing in her community, as she raises money to donate books to all the children of new partner families. COURTESY OF BEACHES HABITAT FOR HUMANITY “The greatest After a little brainstorming, she decided she wanted to do something specifically for children. So she cre- ated Project Storybook, which for three motivation for me years has donated bags of new books to FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT Habitat homeowners’ children. “The greatest motivation for me is watching the little kids as they open their bags, peek inside to see what books they is watching the just received, and then seeing a huge 31 smile spread across their faces,” Tess said. Around the globe, few motivations are more universal than a child’s smile. little kids as they At hundreds of thousands of house dedication ceremonies, we have seen the unparalleled power of hope. In 38 years, we have seen entire communities open their bags … lifted and transformed by simple access to clean water and sanitation. We have seen the ripple effect of empowerment that happens when people have enough and then seeing a access to capital, knowledge and training to escape the vicious cycle of poverty. Because of a better house, families huge smile spread are free to focus on other dreams. across their faces.” FY2014 SUMMARY OF HOUSEHOLDS SERVED U.S. AND CANADA Construction New 3,572 Rehabs 1,461 Incremental - GLOBAL TOTAL Repairs 5,176 Total 10,209

Construction New 15,975 32 Rehabs 6,267 Incremental 25,598 Repairs 56,451 LATIN AMERICA AND THE CARIBBEAN Total 104,291 Construction New 5,161

HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT Rehabs 2,321 *Housing Support Services Incremental 5,509 Products 21,120 Repairs 7,761 Services 9,925 Total 20,752 Total 31,045 Housing Support Services Products 7,918 **Market Development Services 1,314 Financial services 154,921 Total 9,232 Products and services 23,017 Total 177,938 Market Development Financial services 77,121 Products and services 5,331 Total 82,452 ASIA AND THE PACIFIC Construction New 6,521 Rehabs 1,328 Incremental 8,573 Repairs 37,938 Total 54,360

Housing Support Services Products 12,129 Services 171 Total 12,300

Market Development FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT Financial services 24,729 Products and services 367 Total 25,096

33

EUROPE, MIDDLE EAST AND AFRICA * Housing Support Services include construction technical assistance; Construction legal advice on land tenure, permits or New 721 entitlements; design advice for afford- Rehabs 1,157 ability, sustainable building or disaster resiliency; training in construction or Incremental 11,516 financial capability; links to qualified Repairs 5,576 contractors and product suppliers, gov- ernment and private subsidy programs Total 18,970 and services; and other services and products designed to enable house- Housing Support Services holds to improve their shelter situation. Products 1,073 ** Families served through Habitat’s Services 8,440 Market Development efforts means that Habitat has helped an indigenous Total 9,513 local market-based organization provide services to low-income people Market Development to help those families acquire shelter or improve their conditions. Usually this Financial services 53,071 means that a bank has developed an Products and services 17,319 affordable housing loan product or a service company is providing technical Total 70,390 services to the household for a fee. HOPE STARTS AT HOME: WE CAN AND MUST DO MORE

Reading the news about the numerous The encouraging news is that, with Building on our legacy and our faith geopolitical conflicts around the world God’s grace, we continue to find new in God, we look ahead to the future. We can be overwhelming. The magnitude ways to help more families have access to know that, with the continued support of suffering and need reminds us of healthier homes. But we believe we can of our donors, volunteers, homeowner how many people live in a state of and must do more. We have just com- families and dedicated partners, Habitat hopelessness. That is why, now more pleted the first year of operation under can help more children grow up in com- than ever, Habitat for Humanity seeks our new strategic plan, and we are very munities where they can feel secure, get to eliminate poverty housing and create excited about the progress we have made an education, dream about the future and communities of opportunity. toward reaching some very bold goals. continue their journey to success. Habitat 34 It is within strong and healthy com- The theme of this annual report, will continue to build partnerships, mo- munities that hostilities slowly melt into “Because of this house,” is so personal bilize investment and volunteers, create harmony, health is restored and dreams to each of us at Habitat. We know that systemic change, influence policies and turn into reality. At Habitat, we believe having a stable home has such a positive inspire people worldwide to help create that housing is at the center of creating a influence on health, security, education thriving and inviting places to live.

HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT better life — of creating a sense of hope. and employment opportunities — not On behalf of the board of directors, I We are seeing positive signs in the simply because of statistics or meeting want to thank the global Habitat family economy as we climb out of the recession goals, but because of the individuals for your excellent and tireless work, in- that has affected so many people world- whose lives are forever changed. novation and creativity. You are the best! wide. We are so grateful to all the donors, I am always touched by the testi- volunteers and partners who have stayed monials and joy of the parents — and Sincerely, with us and continued to believe in our the smiles and laughter of the chil- mission even as they were making adjust- dren — when they receive the keys to ments to their own finances. their new homes. What a blessing to see families filled with hope and the knowledge that their lives have been Renée Lewis Glover changed for the better. Chair of the board of directors Habitat for Humanity International A COMMITMENT TO GLOBAL STEWARDSHIP

Habitat for Humanity International practices good stewardship with all funds entrusted to its mission of PROGRAM EXPENSE FUNDRAISING EXPENSE eliminating substandard housing. Using funds wisely In FY2014, Habitat for Humanity International spent In FY2014, fundraising expense incurred to secure allows Habitat to serve more families and communi- $211.8 million on program expense, representing 81 vital financial support from the public totaled $37.7 ties around the world. percent of total expense. These funds helped to achieve million, representing 15 percent of total expense. measurable results around the world, including direct Major fundraising programs include direct mail and REVENUE cash and donation-in-kind transfers to affiliates and telemarketing campaigns and direct contact with major

Habitat for Humanity International is a tax-exempt national organizations globally for house construction donors, foundations and corporations. In FY2014, a FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT 501(c)(3) nonprofit corporation supported by people who and other expenses. Program expense included costs continued emphasis was placed on targeted proposals believe in its work. Support comes in the form of contri- for programs that directly benefit affiliates and na- to major donors, corporations and other organizations. butions from individuals (cash, stock gifts, estate gifts and tional organizations, such as youth programs, disaster Many of HFHI’s fundraising appeals result in donations an annuity program), corporations (cash, donated assets response, training seminars and information materi- made directly to U.S. and international affiliates or and services), foundations and other organizations. als. Also included is the cost of evaluating Habitat other national and international organizations. In such 35 Government assistance is also welcome. Habitat programs at the affiliates and national organizations, cases, HFHI bears the fundraising expense but does not for Humanity participates in various government along with providing technical support. reflect the resulting donations as revenue. programs from the U.S. Department of Housing and Included in international transfer expense is $12.9 Urban Development, the U.S. Corporation for Na- million in tithe funds collected from U.S. affiliates and MANAGEMENT AND GENERAL EXPENSE tional and Community Service, and the U.S. Agency used to support the work of affiliates in other coun- For FY2014, management and general expense totaled for International Development. tries. Tithing is a commitment set forth in covenants $11.1 million, representing 4 percent of total expense. Total revenue in FY2014 was $277.2 million. Total signed by all U.S. Habitat for Humanity affiliates. Af- This includes costs necessary to provide: cash contributions in FY2014 were $161.0 million, filiates outside the United States also tithed to support • Executive and board governance and oversight. $92.1 million of which came as unrestricted cash Habitat for Humanity’s work in other countries, often • Financial management, including our internal donations. Government grants totaled $22.9 million in making direct contributions that are not reflected in audit function. FY2014. Also included in revenue were $60.1 million in these financial statements. • Enterprise management systems, which process donations-in-kind and $33.2 million in other income. Habitat’s program expense also includes costs as- our financial transactions and statistical measure- sociated with public awareness and education, includ- ment of our program performance. EXPENSE ing expenses associated with donated public service • Overall planning and coordination of the activities Habitat for Humanity International classifies expense in announcements, special events such as the Jimmy & of HFHI. three primary categories: program expense, fundraising Rosalynn Carter Work Project, Global Village work • General infrastructure costs. expense and management/general expense. Program ex- trips, the Habitat for Humanity International website, pense is further divided into three subcategories: U.S. affili- videos, Habitat World magazine and other costs to ates, international affiliates and public awareness/education respond to the public and media. (advocacy). Total expense amounted to $260.6 million. CONSOLIDATED STATEMENTS CONSOLIDATED STATEMENTS OF OF FINANCIAL POSITION ACTIVITIES AND CHANGES IN NET ASSETS

Year ended June 30 Year ended June 30 2014 total 2013 total 2014 total 2013 total Assets Revenues and gains Cash and cash equivalents $40,495,983 $31,668,340 Contributions $160,991,948 $154,204,783 Investments at fair value 48,985,397 46,247,332 Donations-in-kind 60,125,100 49,015,340 Receivables 121,426,403 104,549,459 Government grants 22,872,955 74,230,735 Other assets 13,233,757 13,363,627 Other income, net 33,210,086 35,314,152 $224,141,540 $195,828,758 Total revenues and gains 277,200,089 312,765,010 Satisfaction of program restrictions – – Liabilities and net assets Total revenues and gains 277,200,089 312,765,010 Total liabilities $99,793,669 $87,440,860 Expenses Net assets: 36 Program services: Unrestricted 25,342,257 19,277,644 U.S. affiliates 121,864,630 192,479,410 Temporarily restricted 96,852,786 87,743,946 International affiliates 64,988,079 63,055,175 Permanently restricted 2,152,828 1,366,308 Public awareness and education Total net assets 124,347,871 108,387,898 24,964,574 29,348,293 Total program services HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT $224,141,540 $195,828,758 211,817,283 284,882,878

Supporting services: Fundraising 37,662,679 36,804,463 Management and general 11,111,892 13,465,761 Total supporting services 48,774,571 50,270,224

Total expenses 260,591,854 335,153,102 Losses (recoveries) on contributions receivable 1,252,205 3,081,125 Total expenses and losses (recoveries) HFHI’s auditors have expressed an unqualified opinion on our June 30, 2014, consolidated on contributions receivable 261,844,059 338,234,227 financial statements. Those financial statements include associated notes that are essential to understanding the information presented herein. The full set of statements and notes is available at Habitat’s website, habitat.org. Change in net assets $15,356,030 $(25,469,217) Habitat for Humanity International Habitat for Humanity AUDITED CONSOLIDATED UNAUDITED COMBINED FINANCIALS FINANCIAL STATEMENTS

4% 47% Management Program - 7% and general U.S. affiliates HABITAT FOR HUMANITY’S Fundraising 15% 25% 84% Program - UNAUDITED COMBINED FINANCIALS Fundraising Program International affiliates The audited financial statements of Habi- 9% Management 9% tat for Humanity International reflect only Program - Public 81% and general awareness and Total program part of Habitat’s work around the world. FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT advocacy expenses As autonomous nonprofit organiza- tions, Habitat for Humanity affiliates and FY2013 use of funds FY2014 use of funds national organizations keep their own Program $1.3 billion Program - U.S. affiliates $122 million records of revenues and expenditures. Fundraising $113 million Program - International affiliates $65 million To better demonstrate the magni- Management and general $139 million 37 Program - Public awareness and advocacy $25 million tude of the movement, HFHI annually Fundraising $38 million compiles combined (unaudited) financial Management and general $11 million amounts for Habitat for Humanity in total. For the fiscal year that ended June 30, 2013, we estimated the total impact 27% 38% of the entire Habitat for Humanity mis- Other income Contributions 12% 58% sion was as follows: and grants Other income Contributions 25% Sales of 10% 8% homes Donations-in-kind Government $1.7 BILLION grants 22% TOTAL REVENUE Donations-in-kind FY2013 sources of funds Contributions and grants $653 million FY2014 sources of funds Donations-in-kind $179 million Contributions $161 million $2.4 BILLION Sales of homes $430 million Donations-in-kind $60 million Other income $454 million Government grants $23 million TOTAL NET ASSETS Other income $33 million GENEROUS CORPORATE PARTNERS PARTNERS KEEP THE MISSION ALIVE

Delta Air Lines: A partnership Kum & Go: Building Lowe’s: A renewed commitment for global good homes together to shelter solutions Habitat for Humanity is one of Delta Kum & Go and its customers donated Lowe’s celebrated more than a decade Every donor makes an Air Lines’ core community partners more than $468,000 to Habitat for of working with Habitat for Humanity in its Force for Global Good, which Humanity in 2014, thanks to the suc- by renewing its partnership with an ad- invaluable contribution to encourages employees to make a dif- cess of the convenience retailer’s “Let’s ditional five-year, $23.5 million pledge. ference in the communities where they Build a Home Together” project. Kum The commitment will bring Lowe’s total Habitat for Humanity’s live, work and serve. Delta and Habitat & Go’s $100,000 corporate donation, contributions to more than $63 million 38 have worked together for many years to an additional donation of $106,000 since 2003. Lowe’s also pledged the mission to eliminate poverty improve the shelter conditions of fami- to sponsor a home, and $262,000 in continued assistance of Lowe’s Heroes lies around the world. Through local customer donations combined to employee volunteers and launched a housing around the world. The and national support of more than $1 reach the $468,378 campaign total. nationwide volunteer drive to get more million annually, Delta employees have As part of this campaign, Kum & Go hands on hammers to support Habi-

HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT following pages highlight just helped build 199 Habitat homes in 11 — which operates 420 stores in 11 tat’s work. To help advance Habitat’s countries. For its annual international states — committed to sponsoring a Women Build program, Lowe’s donated a few of the corporate partners build, Delta hosted 90 employees in Habitat for Humanity home in one of $1.75 million to support the seventh the spring of 2014 to help construct 10 its communities. The affordable and annual National Women Build Week, and individual donors whose homes in Manila, Philippines. In the fall eco-friendly home was built in Minot, which brought together 13,000 volun- of 2013, more than 2,000 Delta employ- North Dakota, which is in the region teers May 3-11, 2014, to assist more support in fiscal year 2014 ees renovated affordable single-family that collected the most money in dona- than 700 families across the U.S. Since homes in U.S. hub cities, including tions as a percentage of customer traffic 2003, Lowe’s contributions have helped helped raise awareness of the Atlanta, Detroit, Minneapolis/St. Paul through Kum & Go stores. ensure safe and affordable housing in and New York, and key international partnership with nearly 4,000 families global housing problem and gateway cities Los Angeles and Seattle. in all 50 states. Projects in the same cities are planned build more homes with families for fall 2014, with more than 2,300 Delta employees participating. in urgent need of them. MasterCard: Expanding the O.A.R. and Phillip Phillips: Schneider Electric: The power State Farm: Engaging young impact of microfinance Stars shine for Habitat of partnership people in Habitat’s mission MasterCard, through the MasterCard Rock band O.A.R. and singer Phillip A global energy management company State Farm has enjoyed an excellent

Center for Inclusive Growth, launched Phillips put the power of their joint with operations in more than 100 coun- relationship with Habitat for Human- FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT a 2014 pilot program in the United 2014 summer tour behind Habitat for tries, Schneider Electric has donated ity since 1994 and has served as the States to connect affordable housing Humanity’s mission of providing safe, nearly $30 million in residential electri- national corporate sponsor of Habitat’s and small-business development. The decent, affordable housing in partner- cal equipment for Habitat homes built in youth programs since 2007. State Farm work/live model breaks new ground ship with low-income families. For the United States, Canada and Mexico donated $800,000 to Habitat in fiscal in Habitat for Humanity’s Neighbor- every ticket sold, O.A.R. and Phillip since 2000. In December 2013, Schnei- year 2014. The funding, shared by 30 39 hood Revitalization work by pairing Phillips donated $1 to Habitat for Hu- der Electric announced its renewal of the affiliates, helps young people work with homeownership with small-business manity International. To support affili- company’s donation-in-kind partner- local Habitat families. Additionally, development. In partnership with low- ate efforts, the tour also hosted online ship, pledging to donate $11 million over State Farm employees awarded Habitat income families who want to operate auctions for a VIP experience in each the next four years. The company also for Humanity $270,000 as part of the home-based businesses, Habitat can concert city, including two premium has donated more than $4 million in company's annual Founder's Day cel- build homes with functional living and tickets and an opportunity to meet with support of Habitat house construction, ebration, bringing State Farm's support business spaces, offering increased em- the artists. Proceeds from the auc- which engages its local employee volun- of Habitat in FY2014 to more than $1 ployment and income opportunities for tions were donated to Habitat affiliates, teers all across the U.S. The company’s million. To date, more than half a mil- potential homeowners. The MasterCard and the band members donated their new commitment includes the sponsor- lion young people have been involved Center for Inclusive Growth donated time in each city, meeting with Habitat ship of Habitat houses in partnership in Habitat’s work and have raised more $400,000 to fund the construction of homeowner families and affiliate rep- with 19 U.S. Habitat affiliates. than $40 million as a direct result of Habitat homes for home-based busi- resentatives. O.A.R. also joined Habitat State Farm donations of $6.7 million. nesses and increase the organization’s builds in Los Angeles, Charleston and capacity to replicate the model. Gaithersburg, performing acoustic sets for homeowners and volunteers. Warner Bros.: ‘There’s Whirlpool: Lending products FINANCIAL THRIVENT OF COURTESY Thrivent employees help build homes in Guatemala in partnership No Place Like Home’ and muscle to the mission with Habitat for Humanity and low-income families. Habitat’s first digital fundraiser led In April 2014, longtime Habitat part- by a corporate partner was launched ner Whirlpool brand announced the by Warner Bros. Consumer Products, renewal of a partnership that benefits Warner Bros. Home Entertainment and all new homes Habitat builds in the Warner Bros. Entertainment Corporate U.S. and Canada. Whirlpool contin- Responsibility. A yearlong campaign ues to donate more than $5 million in 40 called “There’s No Place Like Home,” products each year to place a range and celebrating the 75th anniversary of the refrigerator in every new Habitat home THRIVENT FINANCIAL: classic film “The Wizard of Oz™,” kicked built during the year. In addition, in off in September 2013 with a dedicated FY2014, Whirlpool committed to build CHANGING LIVES AROUND THE WORLD website and corresponding Facebook six new homes with families in need of

HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT application inviting consumers to affordable housing. Since the partner- In February 2014, Thrivent Financial announced a support the cause throughout the year. ship with Habitat began in 1999, more commitment of $12 million to Habitat through the Thrivent Additionally, the campaign featured than 81,000 families have received a Builds with Habitat for Humanity partnership. With this several themed initiatives and Habitat Whirlpool refrigerator and range. Ad- new commitment, Thrivent’s donations have now reached affiliate events supporting the effort to ditionally, more than 150 houses have more than $200 million, and its volunteers have contributed create decent, safe and affordable hous- been built in 45 countries around the more than 4 million hours since the partnership’s inception ing in partnership with low-income world with the help of thousands of in 2005. The $12 million donation will go toward three families. The campaign, combined with Whirlpool employee volunteers. programs within the Thrivent Builds partnership. Thrivent a corporate donation by Warner Bros., Builds Homes, the largest of the three, benefits from $7.8 has raised more than $109,000. million to help build 126 Habitat houses. Thrivent Builds Worldwide will send up to 115 teams to build around the world, funded by $1.4 million. Thrivent Builds Repairs, which helps fix homes in partnership with families who don’t have the resources or ability to make the repairs themselves, expects to complete up to 500 projects with funding of up to $1.25 million in 2014. INDIVIDUALS

Mary Lynn and Warren Staley: Antoinette “Toni” Stabile: Building a stronger Habitat A legacy of helping others Mary Lynn and Warren Staley’s generous three-year, Antoinette “Toni” Stabile, an accomplished investiga- $3 million commitment is strengthening Habitat’s tive journalist, dedicated her life and career to helping global leadership. Warren, the former CEO of Cargill others. Known to be incredibly generous and down FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT Inc., and Mary Lynn, a member of Habitat for Human- to earth, she worked tirelessly to help in the fields of ity International’s board of directors, are committed journalism, the arts and medicine. Although Stabile to helping Habitat develop leaders with the skills to was not actively involved with Habitat for Human- advance its strategic plan and sustain the organiza- ity during her lifetime, ministry leaders were pleased tion. The Staley Leadership Fellows Program brings and humbled when she left the organization a bequest 41 together top Habitat staff members from 20 countries of nearly $785,000 in 2013. Thanks to her careful to build skills and increase knowledge. Participants planning, Stabile’s generosity will continue to make a learn about program areas and aspects of leadership difference in the lives of medical patients, music lovers unique to Habitat, and they develop individual skills and Habitat homeowners for generations to come. and organizational capacity. In addition, the program focuses on recruitment, global orientation and ongo- ing professional development. Habitat for Humanity International is thankful for our many generous partners who seek a world where everyone has a decent place DONATIONS TO HABITAT FOR HUMANITY IN FY2014 to live. Included on this list are commitments from donors whose gifts or grants were made directly to an independent Habitat for Humanity national organization. Thank you!

$10 million plus $500,000 plus The Argosy Foundation $100,000 plus Bob Evans Petrom Bank of America Aktion Deutschland Hilft Cisco Systems Foundation AARP Foundation Evonik Industries AG Pfizer Department of Social Welfare and The Bradbury and Janet Anderson Daikin North America, LLC Walter and Alice Abrams Family Mart Philippine Business for Social Development, Republic of the Family Foundation Dal-Tile Corporation Aditya Birla Group Fannie Mae Program Philippines Arrow Value Recovery Department for International AES Philippines Power Foundation, J. Christopher Flowers Foundation Pine Tree Foundation Lowe’s Estate of Sarah M. Bekker Development (DFID) Inc. Foundation Op Eigen Wieken Rotary District Welfare Fund Schneider Electric Jorge Bueso and Mercedes Callejas DMCI Alabbar Enterprises Estate of Marguerite Fox (District 3140) The Dow Chemical Company The Canterbury Community Trust Ann and Ted Dosch Alfamart Estate of Harriet I. Friis Royal Building Products Thrivent Financial Alberto Díaz and Nena Marinakys eBay, Inc. AMK GDF Rust-Oleum United States Government Louis W. and Gladyce L. Foster Empire Today, LLC Anonymous (2) General Cable St. Francis Chaplaincy Valspar Corporation Family Foundation Euphoria The Anonymous Fund of the Globaltronics, Inc. Samsung Electronics South Africa Whirlpool Home Appliances Halstead International Floor and Décor Community Foundation of Globe Telecom Inc. (Pty) Ltd. James Hardie Building Products Thomas D. Foley Jackson Hole Goldman Sachs Philanthropy San Pedro Garza García Municipality Hunter Douglas Inc. The Government of Hong Kong Estate of Anthony A. Anzalone Google Ad Words ScotiaBank Inverlar $1 million plus Hyundai Motor Group Special Administrative Region APL de AP Foundation, Inc. Government Housing Bank of Thailand Seagate Disaster Relief Fund All Life Foundation Infor Global Solutions HD Supply Facilities Maintenance APP Greystone & Co. R. Scot and Keely N. Sellers American Red Cross International Partners HDFC Life Ltd. ArcelorMittal Foundation H. Stepic CEE Charity / Raiffeisen Seokseong Foundation Anonymous Jersey Overseas Aid Commission Highland Park United Methodist AT&T Digital Life Bank International Shell Corporation Ltd. and Shell Cardno Emerging Markets Kabbalah Centre Charitable Causes Church Ayala Foundation, Inc. Irving and Lois Hall Foundation Christian Aid Korea Housing Guarantee Co., Ltd. HSN, Inc. Kathleen M. Bader Harvest Aid Organization Edwin Soeryadjaya Citi and Citi Foundation Korean International Cooperation Hyundai Development Company Bangs-Russell Foundation Foundation, Inc. Softchoice Corporation Coca-Cola Foundation Philippines, Inc. Agency (KOICA) Irish Aid Bank of the West The Hearst Foundations Sony BMG Music Entertainment Cree Inc. Emilio Larach and Vilma de Larach IRN The Recycling Network Barnes & Noble College HEINEKEN International Rex and Nancy Spivey 42 Delta Air Lines Lutheran World Relief Kilpatrick Townsend & Stockton LLP Bayer Cares Foundation Estate of Vivian Hendrickson The Sunshine Fund Delta Faucet Celso Marranzini and Carmen Esteva Kincaid Furniture Company Bem Em Dang Co Ta ICAP Philippines Inc. Suntrust Properties, Inc. GAF Materials Corporation Mars Chocolate North America Kum & Go, L.C. Estate of Patrick A. Bianchi International Visegrad Fund Surya Toto General Motors Foundation Mobile Mini, Inc. Janine Luke BigRentz.com Japan Platform (JPF) Swiss Capacity Building Facility Pat and Tom Gipson Mountain Re-Source Center Jimmy Masrin Bloomberg JCPenney Corporation Inc. Swiss Re Foundation Hilti Foundation National Housing Authority, MasterCard International Estate of Loretta Boeche JTB Furniture Manufacturing Estate of John P. Sydow Hurricane Sandy New Jersey Relief Republic of the Philippines MaxLite, Inc. Bombadier Transportation JTI Foundation Estate of Dorothy Talondo Fund Inc. P&G MetLife Foundation Estate of Dolores Boot Koch Industries, Inc. Estate of Barbara S. Taylor HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT J.P. Morgan Chase & Co. Pinoy Relief Estate of Arthur T. Monaco Robert Bosch Kookmin Bank Temasek Holdings Kimberly Clark Professionals POSCO Monsanto Caerus Foundation Inc. Korea Cadastral Survey Corporation Estate of Nancy G. Terrel The MasterCard Foundation Prudential Services (Prulife) New Opportunities Foundation Cargill Korea Zinc Timken Corporation Ltd. The New Zealand Government SAP Solidarity Fund Nissan Motor Co. Ltd. Carrier Corporation Lafarge Cement Services Philippines Tondach Gleinstätten AG (Social Housing Unit) Segal Family Foundation Oasis Christian Aid Ministries Estate of Lenore Latimer Towerbrook Capital Partners Newell Rubbermaid Estate of Lydia W. Sledge Owens Corning Columbia Forest Products Lee Hysan Foundation Transamerica Nissan North America Southwire Company The PepsiCo Foundation Crabby Beach Foundation Estate of Lorraine Loder Union Bank of the Philippines Pacific Gas and Electric Company Trust of Antoinette Stabile Philips Lighting Credit Suisse Foundation Estate of Gladys Madsen Vanguard Charitable Endowment Philippine Seven Foundation Inc. Reginald Van Lee QBE Insurance Group Limited Daimler Financial Services AG Manila Water Foundation Victory Christian Fellowship Taiwan Wienerberger AG Quezon City Local Government, Darden Corporation Masco Corporation Warner Bros. Entertainment Inc. Samsung Group Republic of the Philippines Davis Langdon & Seah Microsoft Wayfair Mary Lynn and Warren R. Staley Reid Family Foundation De Stiho Groep Estate of Edna Milne Weiner Brodsky Sidman Kider State Farm $250,000 plus Saint-Gobain Initiatives Foundation Directorate-General for Milwaukee Electric Tool Wells Fargo Housing Foundation J. Ronald Terwilliger Academy Mortgage Corporation The Seedlings Foundation Humanitarian Aid and Civil Nissan South Africa Estate of Norman Wherrett The Home Depot Foundation American International Group, Inc. Seoul Milk Protection (DG-ECHO) Novelis Whirlpool EMEA Villum Foundation Estate of Sharon Angell Simpson Strong-Tie Company Inc. Digicel Foundation Odyssey Foundation, Inc. Bickley Wilson Robert W. Woodruff Foundation Anonymous Estate of David Spolter Dish Network LLC Operation Santa Claus — SCMP The Wooster Brush Company World Bank / Government of Haiti The Elizabeth Anton Habitat for Standard Chartered Bank The Docter Family Estate of Mary L. Overstreet Estate of Kathleen Zammarelli (BMPAD) Humanity Fund TD Ameritrade Embrace the Middle East Panasonic Eco Solutions Company Zurich in North America Yale The Travelers Companies, Inc. The EU through the Operational North America Program “Competitiveness” Trust of Elrose and John Pearson HABITAT FOR HUMANITY INTERNATIONAL HABITAT FOR HUMANITY INTERNATIONAL BOARD OF DIRECTORS SENIOR LEADERSHIP FY2014

Chair Cary Evert Jonathan Reckford, ex-officio Jonathan T.M. Reckford Mark Andrews Renée Glover President and chief executive CEO, Habitat for Humanity Chief executive officer Vice president, Volunteer and Former president and chief executive officer, Hilti International Institutional Engagement officer, Atlanta Housing Authority Tulsa, Oklahoma, U.S. Atlanta, Georgia, U.S. Mike Carscaddon Atlanta, Georgia, U.S. Executive vice president, In- Sue Henderson Alexandre Gouvea R. Scot Sellers ternational Field Operations Vice president, Operations, Vice chair Senior partner and consultant, Retired chief executive officer, U.S. and Canada

Henry Cisneros McKinsey & Co. Archstone Elizabeth Blake FY2014 ANNUAL REPORT FOR HUMANITY INTERNATIONAL HABITAT Chair, City View Sao Paulo, Brazil Englewood, Colorado, U.S. Senior vice president, Govern- Gail Hyde San Antonio, Texas, U.S. ment Affairs, Advocacy and Vice president, Information Alberto Harth Mary Lynn Staley Legal; general counsel Technology; Vice chair President, Civitas Volunteer and philanthropist Chief information officer Alex Silva San Salvador, El Salvador Edina, Minnesota, U.S. Chris Clarke President and founder, Omtrix Senior vice president, Market- Juan Montalvo San Jose, Costa Rica Jessica Jackley Eduardo Tabush ing and Communications Vice president, Internal Audit Investor and adviser, CEO, Meritage Assets Corp. / Secretary Collaborative Fund Joomlashack.com Larry Gluth Steve Weir 43 Bradford L. Hewitt Los Angeles, California, U.S. Guatemala City, Guatemala Senior vice president, U.S. Vice president, Global Program President and chief executive officer, and Canada Development and Support Thrivent Financial Koome Kiragu Ron Terwilliger, ex-officio Medicine Lake, Minnesota, U.S. Leoma Properties Retired national managing partner, Dave McMurtry Gregory Foster Nairobi, Kenya Trammell Crow Residential Senior vice president, Strategy Vice president, Europe, Treasurer Atlanta, Georgia, U.S. Middle East and Africa Joe L. Price Jimmy Masrin Ed Quibell Former president of consumer and President and CEO, Caturkarsa Gladys Gary Vaughn Senior vice president, Admin- Richard Hathaway small business banking, Bank of Megatunggal Director of the Office of Outreach, istration; Vice president, Asia and the America Jakarta, Indonesia U.S. Department of Agriculture Chief financial officer Pacific Charlotte, North Carolina, U.S. Cabin John, Maryland, U.S. Vivian Pickard Connie Steward Torre Nelson Nabil Abadir Mousad President, General Motors Foundation Fernando Zobel de Ayala Senior vice president, Human Vice president, Latin America Retired general director, Coptic Director of corporate relations, President and chief operating Resources, Learning and and the Caribbean Evangelical Organization for General Motors Co. ­officer, Ayala Corp. Organizational Development Social Services Detroit, Michigan, U.S. Makati City, Philippines Tom Jones Cairo, Egypt Kymberly McElgunn Wolff Ambassador at large Steve Preston Senior vice president, Devel- Vicken Aykazian CEO, Livingston International opment Archbishop, Diocese of the Arme- Farmington, Connecticut, U.S. nian Church of America (Eastern) President, National Council of Churches Washington, D.C., U.S. HABITAT FOR HUMANITY INTERNATIONAL OFFICES

Habitat for Humanity International Europe, Middle East and Africa area office HFHI Government Relations Operational headquarters Zochova 6-8 and Advocacy office 121 Habitat St. 811 03 Bratislava, Slovakia 1424 K St. NW, Suite 600 Americus, GA 31709 USA Phone: +421-2-336-690-00 Washington, DC 20005-2429 USA Phone: +1-800-422-4828 Email: [email protected] Phone: +1-202-239-4441 Email: [email protected] Email: [email protected] Latin America and the Caribbean area office Habitat for Humanity International Del Hotel Irazu 300 Noreste y 100 Este, La Uruca Administrative headquarters San José, Costa Rica 270 Peachtree St. NW, Suite 1300 Mailing address: Atlanta, GA 30303 USA SJO-2268 44 Phone: +1-404-962-3400 P.O. Box 025331 Email: [email protected] Miami, FL 33102-5331 Phone: +506-2296-8120 Asia and the Pacific area office Email: [email protected] Q. House, 8th Floor

HABITAT FOR HUMANITY INTERNATIONAL FY2014 ANNUAL REPORT 38 Convent Road, Silom U.S. and Canada area office Bangrak, Bangkok 10500, Thailand 270 Peachtree St. NW, Suite 1300 Phone: +66-2-632-0415 Atlanta, GA 30303 USA Email: [email protected] Phone: +1-800-422-4828 Email: [email protected]

VISIT HABITAT FOR HUMANITY INTERNATIONAL’S WEBSITE AT HABITAT.ORG. CONNECT WITH HABITAT AT FACEBOOK.COM/HABITAT OR TWITTER.COM/HABITAT_ORG, OR JOIN HABITAT’S BLOG COMMUNITY AT HABITAT.ORG/BLOG.

ON THE FRONT COVER : SAN SALVADOR, EL SALVADOR — Seth Nilson Morales watches as a team of AmeriCorps alumni from across the United States helps to build a new Habitat for Humanity home in his community. PHOTO BY EZRA MILLSTEIN/HABITAT FOR HUMANITY INTERNATIONAL

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

+1-229-924-6935 +1-800-HABITAT fax +1-229-928-8811 [email protected] habitat.org 7373/15M/GPC/11-14