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      <Form990PartVIISectionAGrp>
        <PersonNm>CHRIS BOYD</PersonNm>
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        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>ZEESHAN ZOKARIM</PersonNm>
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        <PersonNm>GARY FITSCHEN</PersonNm>
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        <PersonNm>GARY KERSHNER</PersonNm>
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      <Form990PartVIISectionAGrp>
        <PersonNm>JOSEPH FORLINE</PersonNm>
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        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>ROSANA HAN</PersonNm>
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        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
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      <Form990PartVIISectionAGrp>
        <PersonNm>LAURA MCCARTHY</PersonNm>
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      <Form990PartVIISectionAGrp>
        <PersonNm>SHAIL KHIYARA</PersonNm>
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      <Form990PartVIISectionAGrp>
        <PersonNm>ANNIE KAO</PersonNm>
        <TitleTxt>MEMBER</TitleTxt>
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        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>JANICE E JENSEN</PersonNm>
        <TitleTxt>PRESIDENT &amp; CEO</TitleTxt>
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        <OtherCompensationAmt>28109</OtherCompensationAmt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>JEAN BRIDGES</PersonNm>
        <TitleTxt>COO &amp; CFO</TitleTxt>
        <AverageHoursPerWeekRt>40.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>1.00</AverageHoursPerWeekRltdOrgRt>
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        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
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      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>KEVIN ELLIOTT</PersonNm>
        <TitleTxt>CHIEF REAL ESTATE OFFICER</TitleTxt>
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        <KeyEmployeeInd>X</KeyEmployeeInd>
        <ReportableCompFromOrgAmt>229210</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>39723</OtherCompensationAmt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>KRYSTA MORGENTHALER</PersonNm>
        <TitleTxt>CHIEF DEVELOPMENT OFFICER</TitleTxt>
        <AverageHoursPerWeekRt>40.00</AverageHoursPerWeekRt>
        <KeyEmployeeInd>X</KeyEmployeeInd>
        <ReportableCompFromOrgAmt>223413</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>20500</OtherCompensationAmt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>ROBERT SIMONDS</PersonNm>
        <TitleTxt>DIRECTOR OF HOUSING DEVELOPMENT</TitleTxt>
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        <HighestCompensatedEmployeeInd>X</HighestCompensatedEmployeeInd>
        <ReportableCompFromOrgAmt>167867</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>9575</OtherCompensationAmt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>CHRISTINE CHU</PersonNm>
        <TitleTxt>CONTROLLER</TitleTxt>
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        <HighestCompensatedEmployeeInd>X</HighestCompensatedEmployeeInd>
        <ReportableCompFromOrgAmt>158726</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>10076</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>MEG STYLES-HILTON</PersonNm>
        <TitleTxt>DIRECTOR INDIVIDUAL GIVING</TitleTxt>
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        <HighestCompensatedEmployeeInd>X</HighestCompensatedEmployeeInd>
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        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>27930</OtherCompensationAmt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>LUCINDA O'SULLIVAN</PersonNm>
        <TitleTxt>DIRECTOR HR &amp; OPERATIONS</TitleTxt>
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        <HighestCompensatedEmployeeInd>X</HighestCompensatedEmployeeInd>
        <ReportableCompFromOrgAmt>135736</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>34624</OtherCompensationAmt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>DOUGLAS RADIGAN</PersonNm>
        <TitleTxt>DIRECTOR VOLUNTEER ENGAGEMENT</TitleTxt>
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        <HighestCompensatedEmployeeInd>X</HighestCompensatedEmployeeInd>
        <ReportableCompFromOrgAmt>124396</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>7763</OtherCompensationAmt>
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      <TotalReportableCompFromOrgAmt>1768324</TotalReportableCompFromOrgAmt>
      <TotReportableCompRltdOrgAmt>0</TotReportableCompRltdOrgAmt>
      <TotalOtherCompensationAmt>202126</TotalOtherCompensationAmt>
      <IndivRcvdGreaterThan100KCnt>16</IndivRcvdGreaterThan100KCnt>
      <FormerOfcrEmployeesListedInd>0</FormerOfcrEmployeesListedInd>
      <TotalCompGreaterThan150KInd>1</TotalCompGreaterThan150KInd>
      <CompensationFromOtherSrcsInd>0</CompensationFromOtherSrcsInd>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>VEEV BUILD</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>777 MARINERS ISLAND BLVD SUITE 150</AddressLine1Txt>
            <CityNm>SAN MATEO</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>94404</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>CONSTRUCTION</ServicesDesc>
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      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>FIRST INSURANCE FUNDING</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>PO BOX 7000</AddressLine1Txt>
            <CityNm>CAROL STREAM</CityNm>
            <StateAbbreviationCd>IL</StateAbbreviationCd>
            <ZIPCd>60197</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>INSURANCE</ServicesDesc>
        <CompensationAmt>378225</CompensationAmt>
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      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>HP CONSTRUCTION SERVICES</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>9000 CROW CANYON ROAD SUITE 213</AddressLine1Txt>
            <CityNm>DANVILLE</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>94506</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>CONSTRUCTION</ServicesDesc>
        <CompensationAmt>312127</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>CROSS THE DIVIDE</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>309 VISTA TRUCHA</AddressLine1Txt>
            <CityNm>NEWPORT BEACH</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>92660</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>INFORMATION TECHNOLOGY</ServicesDesc>
        <CompensationAmt>273612</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>ARIA CONSTRUCTION</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>3641 MT DIABLO BLVD 1604</AddressLine1Txt>
            <CityNm>LAFAYETTE</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>94549</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>CONSTRUCTION</ServicesDesc>
        <CompensationAmt>203013</CompensationAmt>
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      <CntrctRcvdGreaterThan100KCnt>8</CntrctRcvdGreaterThan100KCnt>
      <FundraisingAmt>426211</FundraisingAmt>
      <GovernmentGrantsAmt>3916280</GovernmentGrantsAmt>
      <AllOtherContributionsAmt>12011731</AllOtherContributionsAmt>
      <NoncashContributionsAmt>4427314</NoncashContributionsAmt>
      <TotalContributionsAmt>16354222</TotalContributionsAmt>
      <ProgramServiceRevenueGrp>
        <Desc>OTHER INCOME</Desc>
        <BusinessCd>531390</BusinessCd>
        <TotalRevenueColumnAmt>1849094</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>1849094</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>SALES OF AFFORDABLE HOUSING</Desc>
        <BusinessCd>236000</BusinessCd>
        <TotalRevenueColumnAmt>1121976</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>1121976</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>MORTGAGE DISCOUNT AMORTIZATION</Desc>
        <BusinessCd>531390</BusinessCd>
        <TotalRevenueColumnAmt>450062</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>450062</RelatedOrExemptFuncIncomeAmt>
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      <ProgramServiceRevenueGrp>
        <Desc>NMTC INTEREST INCOME</Desc>
        <BusinessCd>531390</BusinessCd>
        <TotalRevenueColumnAmt>228026</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>228026</RelatedOrExemptFuncIncomeAmt>
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      <ProgramServiceRevenueGrp>
        <Desc>NEW MARKET TAX CREDIT</Desc>
        <BusinessCd>531390</BusinessCd>
        <TotalRevenueColumnAmt>39997</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>39997</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <TotalProgramServiceRevenueAmt>3689155</TotalProgramServiceRevenueAmt>
      <InvestmentIncomeGrp>
        <TotalRevenueColumnAmt>133174</TotalRevenueColumnAmt>
        <ExclusionAmt>133174</ExclusionAmt>
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      <GrossAmountSalesAssetsGrp>
        <SecuritiesAmt>516182</SecuritiesAmt>
      </GrossAmountSalesAssetsGrp>
      <LessCostOthBasisSalesExpnssGrp>
        <SecuritiesAmt>515750</SecuritiesAmt>
      </LessCostOthBasisSalesExpnssGrp>
      <GainOrLossGrp>
        <SecuritiesAmt>432</SecuritiesAmt>
      </GainOrLossGrp>
      <NetGainOrLossInvestmentsGrp>
        <TotalRevenueColumnAmt>432</TotalRevenueColumnAmt>
        <ExclusionAmt>432</ExclusionAmt>
      </NetGainOrLossInvestmentsGrp>
      <FundraisingGrossIncomeAmt>0</FundraisingGrossIncomeAmt>
      <ContriRptFundraisingEventAmt>426211</ContriRptFundraisingEventAmt>
      <FundraisingDirectExpensesAmt>231390</FundraisingDirectExpensesAmt>
      <NetIncmFromFundraisingEvtGrp>
        <TotalRevenueColumnAmt>-231390</TotalRevenueColumnAmt>
        <ExclusionAmt>-231390</ExclusionAmt>
      </NetIncmFromFundraisingEvtGrp>
      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>19945593</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>3689155</RelatedOrExemptFuncIncomeAmt>
        <UnrelatedBusinessRevenueAmt>0</UnrelatedBusinessRevenueAmt>
        <ExclusionAmt>-97784</ExclusionAmt>
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      <GrantsToDomesticOrgsGrp>
        <TotalAmt>400000</TotalAmt>
        <ProgramServicesAmt>400000</ProgramServicesAmt>
      </GrantsToDomesticOrgsGrp>
      <CompCurrentOfcrDirectorsGrp>
        <TotalAmt>1160255</TotalAmt>
        <ProgramServicesAmt>818638</ProgramServicesAmt>
        <ManagementAndGeneralAmt>223210</ManagementAndGeneralAmt>
        <FundraisingAmt>118407</FundraisingAmt>
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      <OtherSalariesAndWagesGrp>
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        <ProgramServicesAmt>5215456</ProgramServicesAmt>
        <ManagementAndGeneralAmt>1422039</ManagementAndGeneralAmt>
        <FundraisingAmt>754360</FundraisingAmt>
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      <PensionPlanContributionsGrp>
        <TotalAmt>115568</TotalAmt>
        <ProgramServicesAmt>81541</ProgramServicesAmt>
        <ManagementAndGeneralAmt>22233</ManagementAndGeneralAmt>
        <FundraisingAmt>11794</FundraisingAmt>
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      <OtherEmployeeBenefitsGrp>
        <TotalAmt>917075</TotalAmt>
        <ProgramServicesAmt>647059</ProgramServicesAmt>
        <ManagementAndGeneralAmt>176426</ManagementAndGeneralAmt>
        <FundraisingAmt>93590</FundraisingAmt>
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      <PayrollTaxesGrp>
        <TotalAmt>647536</TotalAmt>
        <ProgramServicesAmt>456881</ProgramServicesAmt>
        <ManagementAndGeneralAmt>124572</ManagementAndGeneralAmt>
        <FundraisingAmt>66083</FundraisingAmt>
      </PayrollTaxesGrp>
      <FeesForServicesOtherGrp>
        <TotalAmt>1227591</TotalAmt>
        <ProgramServicesAmt>890536</ProgramServicesAmt>
        <ManagementAndGeneralAmt>337055</ManagementAndGeneralAmt>
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      <OfficeExpensesGrp>
        <TotalAmt>560163</TotalAmt>
        <ProgramServicesAmt>292063</ProgramServicesAmt>
        <ManagementAndGeneralAmt>25922</ManagementAndGeneralAmt>
        <FundraisingAmt>242178</FundraisingAmt>
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      <OccupancyGrp>
        <TotalAmt>1376406</TotalAmt>
        <ProgramServicesAmt>1328671</ProgramServicesAmt>
        <ManagementAndGeneralAmt>14452</ManagementAndGeneralAmt>
        <FundraisingAmt>33283</FundraisingAmt>
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      <TravelGrp>
        <TotalAmt>43152</TotalAmt>
        <ProgramServicesAmt>29923</ProgramServicesAmt>
        <ManagementAndGeneralAmt>7942</ManagementAndGeneralAmt>
        <FundraisingAmt>5287</FundraisingAmt>
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      <InterestGrp>
        <TotalAmt>210270</TotalAmt>
        <ProgramServicesAmt>63436</ProgramServicesAmt>
        <ManagementAndGeneralAmt>146834</ManagementAndGeneralAmt>
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      <DepreciationDepletionGrp>
        <TotalAmt>91721</TotalAmt>
        <ProgramServicesAmt>86787</ProgramServicesAmt>
        <ManagementAndGeneralAmt>4934</ManagementAndGeneralAmt>
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        <ProgramServicesAmt>205801</ProgramServicesAmt>
        <ManagementAndGeneralAmt>16328</ManagementAndGeneralAmt>
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      <OtherExpensesGrp>
        <Desc>COST OF HOMES &amp; PROJECT</Desc>
        <TotalAmt>2852045</TotalAmt>
        <ProgramServicesAmt>2852045</ProgramServicesAmt>
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      <OtherExpensesGrp>
        <Desc>MISCELLANEOUS</Desc>
        <TotalAmt>763156</TotalAmt>
        <ProgramServicesAmt>420993</ProgramServicesAmt>
        <ManagementAndGeneralAmt>57997</ManagementAndGeneralAmt>
        <FundraisingAmt>284166</FundraisingAmt>
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      <OtherExpensesGrp>
        <Desc>RESTORE COST OF SALES</Desc>
        <TotalAmt>504853</TotalAmt>
        <ProgramServicesAmt>504853</ProgramServicesAmt>
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      <OtherExpensesGrp>
        <Desc>EQUIPMENTS</Desc>
        <TotalAmt>311099</TotalAmt>
        <ProgramServicesAmt>304119</ProgramServicesAmt>
        <ManagementAndGeneralAmt>2331</ManagementAndGeneralAmt>
        <FundraisingAmt>4649</FundraisingAmt>
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      <AllOtherExpensesGrp>
        <TotalAmt>557509</TotalAmt>
        <ProgramServicesAmt>481805</ProgramServicesAmt>
        <ManagementAndGeneralAmt>52559</ManagementAndGeneralAmt>
        <FundraisingAmt>23145</FundraisingAmt>
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      <TotalFunctionalExpensesGrp>
        <TotalAmt>19352383</TotalAmt>
        <ProgramServicesAmt>15080607</ProgramServicesAmt>
        <ManagementAndGeneralAmt>2634834</ManagementAndGeneralAmt>
        <FundraisingAmt>1636942</FundraisingAmt>
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      <CashNonInterestBearingGrp>
        <BOYAmt>688940</BOYAmt>
        <EOYAmt>1429456</EOYAmt>
      </CashNonInterestBearingGrp>
      <SavingsAndTempCashInvstGrp>
        <BOYAmt>2565986</BOYAmt>
        <EOYAmt>2629154</EOYAmt>
      </SavingsAndTempCashInvstGrp>
      <PledgesAndGrantsReceivableGrp>
        <BOYAmt>4503908</BOYAmt>
        <EOYAmt>5685946</EOYAmt>
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      <AccountsReceivableGrp>
        <BOYAmt>180205</BOYAmt>
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      <OthNotesLoansReceivableNetGrp>
        <BOYAmt>11909433</BOYAmt>
        <EOYAmt>10853109</EOYAmt>
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      <InventoriesForSaleOrUseGrp>
        <BOYAmt>23646333</BOYAmt>
        <EOYAmt>27468686</EOYAmt>
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      <PrepaidExpensesDefrdChargesGrp>
        <BOYAmt>206019</BOYAmt>
        <EOYAmt>171125</EOYAmt>
      </PrepaidExpensesDefrdChargesGrp>
      <LandBldgEquipCostOrOtherBssAmt>1091486</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>691243</LandBldgEquipAccumDeprecAmt>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>295232</BOYAmt>
        <EOYAmt>400243</EOYAmt>
      </LandBldgEquipBasisNetGrp>
      <InvestmentsPubTradedSecGrp>
        <BOYAmt>337358</BOYAmt>
        <EOYAmt>431740</EOYAmt>
      </InvestmentsPubTradedSecGrp>
      <InvestmentsOtherSecuritiesGrp>
        <BOYAmt>2203380</BOYAmt>
        <EOYAmt>2128109</EOYAmt>
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      <OtherAssetsTotalGrp>
        <BOYAmt>0</BOYAmt>
        <EOYAmt>3327122</EOYAmt>
      </OtherAssetsTotalGrp>
      <TotalAssetsGrp>
        <BOYAmt>46536794</BOYAmt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART I, LINE 1, DESCRIPTION OF ORGANIZATION MISSION:</FormAndLineReferenceDesc>
        <ExplanationTxt>HABITAT FOR HUMANITY BUILDS AFFORDABLE HOMES, PRESERVES AFFORDABLE HOUSING WHERE IT STANDS, AND PREPARES PEOPLE FOR HOMEOWNERSHIP THROUGH FINANCIAL COUNSELING AND EDUCATION. HABITAT FOR HUMANITY HAS SERVED OVER 51 MILLION PEOPLE WORLDWIDE. HERE IN THE BAY AREA, IN ONE OF THE WORLD'S TOUGHEST HOUSING MARKETS, WE WORK TO CREATE OPPORTUNITY AND FOSTER JUSTICE THROUGH HOUSING. - WE MAKE IT POSSIBLE FOR FAMILIES TO BUILD STRENGTH, STABILITY, AND SELF-RELIANCE THROUGH AFFORDABLE HOMEOWNERSHIP. - WE PRESERVE OUR AFFORDABLE HOUSING STOCK AND KEEP OUR NEIGHBORS IN SAFE, HEALTHY HOMES - PREVENTING DISPLACEMENT. - WE OFFER SKILLS AND EDUCATION THROUGH OUR HOUSING &amp; FINANCIAL COUNSELING PROGRAM. - WE HELP BUILD SOLUTIONS THAT SAFELY SHELTER OUR UNHOUSED NEIGHBORS AND SUPPORT THEM ON THEIR PATH TO PERMANENT HOUSING. ADVANCE HOUSING EQUITY THROUGH ACCESS TO HOMEOWNERSHIP: OUR COMMUNITIES ARE RICH WITH DIVERSITY AND CULTURE, BUT GENERATIONS OF INJUSTICE HAVE CREATED COMPOUNDING OBSTACLES TO HOUSING OPPORTUNITY FOR MANY OF OUR NEIGHBORS. AS WE BUILD INTO THE FUTURE, WE'RE EXPANDING OUR COMMITMENT TO EQUITY BY TAKING INTENTIONAL ACTION. WE'RE COMMITTED NOT ONLY TO GROWING OUR PROGRAMS AND SERVICES, BUT ALSO TO DEEPENING OUR IMPACT. IT MEANS MOVING WITH INTENTION TO BREAK DOWN BARRIERS AND BUILD KEY PATHWAYS TO HOUSING OPPORTUNITIES FOR THOSE UNDERSERVED. CLIMATE-SMART SUSTAINABLE BUILDING: FOR MORE THAN TWO DECADES, HABITAT HAS BUILT OUR HOMES TO RIGOROUS LOCAL, STATE, AND NATIONAL GREEN BUILDING STANDARDS. WE CONSTANTLY STRIVE TO STRENGTHEN OUR COMMITMENT TO SUSTAINABILITY EVEN FURTHER, INCLUDING A COMMITMENT TO ACHIEVING ZERO NET ENERGY ON ALL NEW HABITAT DEVELOPMENTS - ENSURING THAT HABITAT COMMUNITIES CONTRIBUTE MORE ENERGY THAN THEY CONSUME. WE LOOK AT OUR DEVELOPMENTS THROUGH A WHOLE-SYSTEMS APPROACH, CONSERVING ENERGY AND RESOURCES, PRIORITIZING THE HEALTH OF THE HOMEOWNER AND THE PLANET, AND ACHIEVING MAXIMUM IMPACT WITH MINIMUM FOOTPRINT. SUSTAINABLE BUSINESS - RESTORE: HABITAT OPERATES THREE RESTORES IN OAKLAND, CONCORD, AND SAN JOSE THAT ACCEPT DONATIONS OF QUALITY NEW AND USED HOME IMPROVEMENT GOODS AND SELL THEM TO THE PUBLIC AT DISCOUNTED PRICES. RESTORES ARE SUSTAINABLE FOR THE PLANET AND FOR HABITAT - DIVERTING OVER 13 MILLION POUNDS OF USABLE ITEMS FROM LANDFILL ANNUALLY AND REINVESTING ALL PROCEEDS IN OUR WORK TO BRING AFFORDABLE HOMEOWNERSHIP, FINANCIAL WELLNESS, AND SECURE, SUPPORTIVE SHELTER WITHIN REACH OF MORE PEOPLE AND FAMILIES WITH LIMITED INCOMES. INVESTMENT IN IMPACT: AN INVESTMENT IN HABITAT IS AN INVESTMENT IN FAR MORE THAN WALLS AND WINDOWS. AS WE SAW IN A RECENT SOCIAL IMPACT STUDY, A HABITAT HOME PAYS SIGNIFICANT DIVIDENDS WHEN IT COMES TO FAMILIES' HEALTH, SAFETY, EDUCATION, FINANCIAL WELLNESS, COMMUNITY CONNECTIONS, AND MORE. OUR ECONOMIC IMPACT STUDY DEMONSTRATED THAT HABITAT'S WORK CREATES A RIPPLE EFFECT OF ECONOMIC ACTIVITY IN THE COMMUNITY, MANY TIMES ITS INITIAL INVESTMENT. OUR HOME PRESERVATION PROGRAM PROTECTS AFFORDABLE HOUSING STOCK, STABILIZES AND BEAUTIFIES COMMUNITIES, AND MOST OF ALL, KEEPS LOW-INCOME HOMEOWNERS IN THEIR HOMES AND NEIGHBORHOODS. OUR HOUSING &amp; FINANCIAL COUNSELING PROGRAM HELPS CLIENTS BUILD THE SKILLS AND HABITS THEY NEED TO TAKE ON THE RESPONSIBILITY OF HOMEOWNERSHIP SUCCESSFULLY AND ACHIEVE FINANCIAL WELLNESS. OUR EMERGENCY INTERIM HOUSING PROGRAM WIDENS OUR IMPACT EVEN FURTHER, PROVIDING INNOVATIVE AND EFFECTIVE SOLUTIONS TO THE HOMELESSNESS CRISIS. COMMUNITY SUPPORT: HABITAT DEPENDS ON COMMUNITY SUPPORT TO CREATE SUCH IMPACT. ALL OUR BUILDING EFFORTS AND EVERY PERSON AND FAMILY WE SERVE IS THE RESULT OF MANY HEARTS AND HANDS, VOLUNTEERING AND GIVING. WE WORK TO LEVERAGE EVERY GIFT OF TIME AND RESOURCES WITH RESPONSIBILITY, INTELLIGENCE, AND FOR MAXIMUM POSITIVE IMPACT. AWARDS AND DISTINCTIONS: WE'RE PROUD TO CONSISTENTLY EARN HIGH RATINGS ON CHARITY NAVIGATOR, GUIDESTAR, AND BETTER BUSINESS BUREAU- FOR BEING RESPONSIBLE AND EFFECTIVE STEWARDS OF OUR DONORS' GENEROSITY. HABITAT FOR HUMANITY INTERNATIONAL HAS ALSO DESIGNATED OUR AFFILIATE AS AN "AFFILIATE OF DISTINCTION" IN RECOGNITION OF BEST PRACTICES IN AREAS LIKE SUSTAINABILITY, LEADERSHIP, INNOVATION, AND FINANCIAL STABILITY.</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE FORM 990 IS FIRST REVIEWED BY THE AUDIT COMMITTEE. THE FULL BOARD ALSO REVIEWS AND COMMENTS BEFORE VOTING TO APPROVE UPON RECOMMENDATION FROM THE AUDIT COMMITTEE.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CONFLICT OF INTEREST POLICY STATEMENT AND CONFIRMATION OF COMPLIANCE IS SENT TO EACH DIRECTOR, OFFICER AND EMPLOYEE. EACH IS REQUIRED TO NOTE ANY POTENTIAL CONFLICT IN ACCORDANCE WITH POLICY GUIDELINES AND TO SIGN THE DOCUMENTS.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 15</FormAndLineReferenceDesc>
        <ExplanationTxt>THE COMPENSATION COMMITTEE DETERMINES THE COMPENSATION BASED ON COMPENSATION SURVEYS AND STUDIES AND THE FORM 990 OF OTHER ORGANIZATIONS. THE FULL BOARD APPROVES THE DETERMINATION.</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION C, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>UPON WRITTEN REQUEST THE ORGANIZATION WILL PROVIDE THIS INFORMATION.</ExplanationTxt>
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