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      <PreparerPersonNm>JAMES T COOK CPA</PreparerPersonNm>
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      <Desc>CONSTRUCTION: HARBOR HABITAT FOR HUMANITY, INC. HAS PARTNERED WITH FAMILIES AND THE COMMUNITY TO COMPLETE THE BUILDING OF OVER 100 DECENT, SIMPLE, SAFE, AFFORDABLE, AND NEW HOME SINCE ITS FOUNDING IN 1995. APPROX. 2,000 CONSTRUCTION VOLUNTEERS ASSIST IN THE BUILDING OF THESE HOMES EACH YEAR. THE AFFILIATE ALSO TITHES 10% OF UNRESTRICTED FUNDS YEARLY TO HABITAT INTERNATIONAL. THESE FUNDS ARE USED TO CONSTRUCT HOMES IN ECONOMICALLY DPRESSED AREAS AROUND THE WORLD. IN ADDITION TO THE CONSTRUCTION OF NEW HOMES, THE AFFILIATE ALSO HAS A BRUSH FOR KINDNESS PROGRAM WHICH STARTED IN 2006. THIS PROGRAM ASSISTS CURRENT NON-HABITAT HOMEOWNERS IN THE NEIGHBORHOODS WHERE NEW HOMES ARE BEING BUILT WITH MINOR REPAIRS (PRIMARILY PAINTING AND LANDSCAPE).</Desc>
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        <Desc>FAMILY SERVICES: HABITAT'S FAMILY SERVICES PHILOSOPHY IS BASED ON THE PRINCIPLE OF "A HAND- UP, NOT HAND-OUT" IN ORDER TO BECOME LONG-TERM SUCCESSFUL HOMEOWNERS. FAMILIES ARE SELECTED TO PARTNER WITH THE ORGANIZATION BASED ON THREE CRITERIA 1.) NEED - THEIR CURRENT HOUSING IS INADEQUATE, UNSAFE, OVERCROWDED AND/OR UNAFFORDABLE 2.) ABILITY TO PAY - TOTAL HOUSEHOLD INCOME MUST BE BETWEEN 30% &amp; 80% IF THE AREA MEDIAN INCOME 3.) WILLINGNESS TO PARTNER WITH HARBOR HABITAT</Desc>
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        <Desc>HARBOR HABITAT FOR HUMANITY, INC. OPERATED A RETAIL HARDWARE STORE (THE "RESTORE") WITH SALES TO THE GENERAL PUBLIC. INVENTORY IS PRIMARILY DONATED, WITH SALE PROCEEDS USED TO CARRY OUT THE ORGANIZATION'S MISSION.</Desc>
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        <FormAndLineReferenceDesc>SUPPLEMENTAL INFORMATION</FormAndLineReferenceDesc>
        <ExplanationTxt>PART IV, LINE 1B: THE ORGANIZATION MAINTAINS FUNDS IN ESCROW FOR DOWN-PAYMENT DEPOSITS RECEIVED FROM, AND ON BEHALF OF, PARTNER FAMILIES PRIOR TO THEIR CLOSING DATE, AS WELL AS FUNDS RELATED TO THE CRYSTAL ESTATES HOMEOWNERS ASSOCIATION. PART IV, LINE 2B: THE ORGANIZATION MAINTAINS FUNDS IN ESCROW FOR DOWN-PAYMENT DEPOSITS RECEIVED FROM, AND ON BEHALF OF, PARTNER FAMILIES PRIOR TO THEIR CLOSING DATE, AS WELL AS FUNDS RELATED TO THE CRYSTAL ESTATES HOMEOWNERS ASSOCIATION. PART X, LINE 2: THE ORGANIZATION IS EXEMPT FROM INCOME TAX UNDER PROVISIONS OF INTERNAL REVENUE CODE SECTION 501(C)(3), AND IS NOT CONSIDERED A PRIVATE FOUNDATION. THE ORGANIZATION FILES TAX RETURNS IN THE U.S. FEDERAL JURISDICTION. AS OF THE CURRENT FISCAL YEAR, THERE ARE NO MATERIAL UNRECOGNIZED/DERECOGNIZED TAX BENEFITS OR TAX PENALTIES OR INTEREST. THE ORGANIZATION IS NO LONGER SUBJECT TO U.S. FEDERAL INCOME TAX EXAMINATIONS BY TAX AUTHORITIES FOR THREE YEARS PRIOR THE CURRENT FISCAL YEAR.</ExplanationTxt>
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        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 2, PART IV, LINE 1B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION MAINTAINS FUNDS IN ESCROW FOR DOWN PAYMENT DEPOSIT RECEIVED FROM, AND ON BEHALF OF, PARTNER FAMILIES PRIOR TO THEIR CLOSING DAY AS WELL AS FUNDS RELATED TO THE CRYSTAL ESTATE HOMEOWNERS ASSOCIATION.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 2, PART IV, LINE 2B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION MAINTAINS FUNDS IN ESCROW FOR DOWN PAYMENT DEPOSITS RECEIVED FROM, AND ON BEHALF OF, PARTNER FAMILIES PRIOR TO THEIR CLOSING DAY AS WELL AS FUNDS RELATED TO THE CRYSTAL ESTATE HOMEOWNERS ASSOCIATION.</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990 - ORGANIZATION'S MISSION</FormAndLineReferenceDesc>
        <ExplanationTxt>HARBOR HABITAT FOR HUMANITY IS A CHRISTIAN NON-PROFIT HOUSING ORGANIZATION THAT SEEKS TO ELIMINATE INADEQUATE HOUSING IN BENTON HARBOR AND BENTON CHARTER TOWNSHIP BY ENGAGING THE COMMUNITY AND PARTNERING WITH FAMILIES TO PROVIDE THEM WITH A DECENT PLACE TO LIVE.</ExplanationTxt>
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        <ExplanationTxt>CONSTRUCTION: HARBOR HABITAT FOR HUMANITY, INC. HAS PARTNERED WITH FAMILIES AND THE COMMUNITY TO COMPLETE THE BUILDING OF OVER 100 DECENT, SIMPLE, SAFE, AFFORDABLE, AND NEW HOME SINCE ITS FOUNDING IN 1995. APPROX. 2,000 CONSTRUCTION VOLUNTEERS ASSIST IN THE BUILDING OF THESE HOMES EACH YEAR. THE AFFILIATE ALSO TITHES 10% OF UNRESTRICTED FUNDS YEARLY TO HABITAT INTERNATIONAL. THESE FUNDS ARE USED TO CONSTRUCT HOMES IN ECONOMICALLY DPRESSED AREAS AROUND THE WORLD. IN ADDITION TO THE CONSTRUCTION OF NEW HOMES, THE AFFILIATE ALSO HAS A BRUSH FOR KINDNESS PROGRAM WHICH STARTED IN 2006. THIS PROGRAM ASSISTS CURRENT NON-HABITAT HOMEOWNERS IN THE NEIGHBORHOODS WHERE NEW HOMES ARE BEING BUILT WITH MINOR REPAIRS (PRIMARILY PAINTING AND LANDSCAPE).</ExplanationTxt>
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        <ExplanationTxt>THE FORM 990 WAS PROVIDED TO THE EXECUTIVE DIRECTOR, DIRECTOR OF FINANCE, AND FINANCE COMMITTEE PRIOR TO FILING.</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>A FORMAL CONFLICT OF INTEREST POLICY HAS BEEN PRESENTED TO ALL BOARD MEMBERS AND EMPLOYEES. THE EXECUTIVE DIRECTOR OF THE ORGANIZATION AND THE BOARD OFFICERS REGULARLY AND CONSISTENTLY MONITOR AND ENFORCE COMPLIANCE WITH THIS POLICY. THE ORGANIZATION HAS A POLICY TO INCLUDE REQUIRED ANNUAL WRITTEN DISCLOSURE BY OFFICERS, DIRECTORS OR TRUSTEES, AND KEY EMPLOYEES</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD OF DIRECTORS DETERMINES THE REASONABLENESS AND APPROVES THE COMPENSATION OF THE EXECUITVE DIRECTOR ON AN ANNUAL BASIS.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. ALL DOCUMENTS ARE KEPT AT THEIR MAIN CORPORATE LOCATION. THE ORGANIZATION'S FORM 990 IS ALSO AVAILABLE THROUGH A THIRD-PARTY WEBSITE.</ExplanationTxt>
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</Return>
