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HABITAT FOR HUMANITY GREATER SAN FRANCISCO INC 645 HARRISON ST STE 201 SAN FRANCISCO CA 94107-3624

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A Bold Vision—and an Invitation To Join Our Legacy SocietyHabitat for Humanity Greater San Francisco is blessed to have very generous and loyal

investors like you. Our supporters have demonstrated a personal commitment to ending the

cycle of poverty through building safe, decent and affordable ownership housing since our

founding in 1989. Today, we hope you will consider a different type of gift—a special gift to

Habitat Greater San Francisco through your estate plans.

In recent years, we have found that many of our loyal donors are considering ways to

perpetuate their giving beyond their lifetime. In response to this, we are proud to introduce

this special newsletter, Building the Future, which will focus on the variety of ways you can

help the cause you care most about through charitable estate and gift planning. Habitat

Greater San Francisco is pleased to invite you to join the Legacy Society today.

It is apparent that the work to eliminate poverty housing will continue beyond our

lifetimes. That is why we want to encourage you to join the Habitat for Humanity Greater

San Francisco Legacy Society and include Habitat Greater San Francisco in your estate plans,

which ensures that your lifetime support of our mission can continue far into the future.

My wife, Kelley, and I have committed to preserving affordable housing by including

Habitat Greater San Francisco in our estate plans. As you read this newsletter please

consider the ways in which you can join my family, and many more, to provide a

“hand-up” to low-income families for years to come.

With gratitude,

Phillip Kilbridge

Executive Director

P.S. If you have already generously included

Habitat in your estate plans—thank you!

We are honored by your generosity.

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Your will reflects the time when it was created. Many people plan to update their

wills but often fail to do it. You can always change your will by adding a codicil

(an amendment), but how do you know when to change it? Here are some

circumstances that make it vital to update your will:

• You want to name a different personal representative, trustee or guardian.

• Your estate has increased or decreased significantly.

• Your situation or a beneficiary’s situation has changed. Families change because

of marriage, divorce, birth, adoption and death.

• You want to include a charitable gift in your will. If you wish to remember

Habitat for Humanity Greater San Francisco in your will, consider leaving us a

percentage of your estate.

When Should I Update My Will?

Building

the Future

Summer 2012

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What’s Inside:• Our 2020 Vision Plan• The Many Ways You Can

Make a Lasting Difference • When Should I Update

My Will?

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The Many Ways You Can Make a Lasting DifferenceFind the Option That Works for You

“ When I was drafting my will, I thought, ‘I want to make a profound impact on a cause that I care deeply about.’ I included a bequest to Habitat for Humanity Greater San Francisco because I’ve witnessed the effect this program has on the lives of partner families and the volunteers who work beside them.”

—Mara Feeney, former Habitat board member

Habitat for Humanity Greater San Francisco partners with

working families and engages the community to build

affordable ownership housing. An independently funded

affiliate of Habitat for Humanity International, Habitat Greater

San Francisco was founded in 1989 to provide a solution to

our community’s need for decent and affordable housing.

The organization builds simple houses through volunteer

labor, the “sweat equity” of partner families, and community

investment of money and materials. The program offers a hand

up, not a handout for families with low incomes.

To qualify for a Habitat for Humanity Greater San Francisco

home, families must:

• Complete at least 500 hours of “sweat equity” to build their

own home;

• Qualify for an interest-free mortgage;

• And participate in a homeownership education program.

❏ Please send me A Personal Record: Estate Planning You Can Do at Home.

❏ I’d like more information about estate and gift planning.

❏ I’ve included Habitat Greater San Francisco in my estate plans.

❏ I have a question. Please contact me by: ❏ phone; best time to call: __________ a.m./p.m. ❏ email.

Name—Please print.

Telephone Email

Address

City, State ZIP

As you grow older, you begin to realize

many of the good things in this world are

a result of people opening their hearts.

This generosity is often a thank-you

for assistance received in the past, an

expression of compassion for a mission

that touched someone’s heart or the

result of witnessing the inspiring story

of someone in need.

Your options for giving are almost as

abundant as your reasons for giving. Here

are just a few of the ways you can support

our mission to help people in need of hope

well into the future.

• Donate cash today: You can give a little

every year or one lump sum to help us

provide operational necessities.

• Include us in your will: Cash or

property that you designate in your

will can help future generations.

• Establish a charitable gift annuity:

When you donate cash or marketable

securities, which in turn provide you

with fixed payments for life, you truly

give and receive.

• Donate life insurance: You can easily

support our mission by naming us

as a beneficiary on a policy you

already own.

• Consider your retirement plan assets:

By making a simple designation on

your beneficiary designation form,

you can save your loved ones from

a heavy tax burden.

• Give property: If you have a house

or another piece of property you

no longer want to manage, you can

use it to help us continue our

important work.

Your support is important to us and

continues to make our work possible.

If you have any questions about

opportunities for giving to Habitat Greater

San Francisco, or the benefits you can

receive for doing so, contact us today at

(415) 625-1015 or kleja@habitatgsf.org.

Discover How to Control The Future of Your Assets

We respect your privacy! Information collected here will be kept strictly confidential. It will not be sold, rented, loaned or otherwise disclosed, and it will not be used in ways to which you have not consented.

Thank you for supporting our important mission!

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A Personal Record Estate Planning You Can Do at Home

Our Mission Statement

© The Stelter Company. The information in this publication is not intended as legal advice. For legal advice, please consult an attorney. Figures cited in examples are for hypothetical

purposes only and are subject to change. References to estate and income taxes include federal taxes only. State income/estate taxes or state law may impact your results.E recycled paper

Our 2020 Vision PlanAs the housing industry begins to shake

off the worst economic conditions in

decades, Habitat for Humanity Greater

San Francisco is emerging as a visionary

leader with a bold plan to revitalize

local neighborhoods and bring stability

to hundreds of local families living in

Marin, San Francisco and the Peninsula.

Habitat Greater San Francisco is

responding with an ambitious

2020 Vision Plan that will achieve the

following in the next eight years alone,

positioning the organization for success

well into the future:

• Land acquisition and green

construction of 400 new Habitat

homes. Multi-family and

condominium homes for and with

qualifying families.

• Renovation of an additional

200 homes in Habitat communities.

Physical rehabilitation and safety

improvements of blighted properties

in neighborhoods hit hardest by the

foreclosure crisis.

• Revitalization of 50 neighborhood

facilities. Upgrade of parks,

schools and community centers to

benefit tens of thousands of local

community members.

A Personal Record Estate Planning You

Can Do at Home

INB27-F

E printed on recycled paperThe information in this publication is not intended as legal advice. For legal advice, please

consult an attorney. Figures cited in examples are for hypothetical purposes only and are

subject to change. References to estate and income taxes include federal taxes only. State

income/estate taxes or state law may impact your results.

Disposition of Estate1. To spouseDescriptions of assets _______________________________________________________________________________________________________________________________________

2. To other beneficiaries (besides spouse)Descriptions of assets/names and relationships of beneficiaries __________________________________________________________________________________________

3. To a contingent beneficiary if the above beneficiaries do not survive youDescription of asset/name and relationship of beneficiary__________________________________________________________________________________________

4. To charitable organizationsDescriptions of assets or dollar amounts/names and addresses of charitable organizations__________________________________________________________________________________________

5. Residue of estateNames and addresses of charitable organizations and other beneficiaries; percentages allocated__________________________________________________________________________________________

■ Marital status. If you’re married, you can give the bulk of your money to your spouse, either outright or in a trust, and also make plans in the event your spouse does not survive you. If you have children, you can give your money to them in equal or unequal shares, or you can create a trust for their benefit. If you’re single, you may have children or grandchildren to think about or nieces or nephews you would like to remember. You may also want part of your estate to go to parents, brothers or sisters.

■ Charitable bequests. A gift to us can take many forms, including a specific amount of money, a particular asset or a percentage of your estate.

■ Special assets. Do you have jewelry, art objects or other prized possessions you would like to give to someone who would enjoy having them? Then say so in your will.

■ Power of appointment. If your late spouse or parent created any trusts for your lifetime benefit, you may have the right to dispose of part or all of the remainder, provided you refer specifically to this power in your own will.

Meet With an Estate Planning Attorney.Once you have completed the inside chart

and the disposition list at right, you are ready to meet with your attorney for important counsel and the drafting of necessary documents.

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645 Harrison Street, Suite 201San Francisco, CA 94107

Kristine LejaSenior Director of Development(415) 625-1015kleja@habitatgsf.org

www.habitatgsf.org

AssetsResidence

Other real estate

Bank accounts, certificates of deposit, money market funds

Stocks, bonds, mutual funds

Closely held business interests

Partnership ventures

Notes, mortgages owed to you

Retirement funds

Life insurance face value

Furniture, jewelry, collections, etc.

Automobiles, boats, etc.

Annuities, revocable trusts

Other assets

Total assets

LiabilitiesMortgages

Loans, installment debts

Current bills

Taxes owed

All other liabilities

Total liabilities

NET ESTATE (subtract total liabilities from total assets)

INB27-F © The Stelter Company

How Much Are You Really Worth?Fortunately, most people find they have much more in their estate than they thought when they account for savings, employer and personal life insurance, retirement plan benefits, and perhaps even a future inheritance. To get your planning started, begin with the following three steps.

Make an Inventory of Your Assets.This will help you estimate your estate’s exposure

to taxes. If you are married, be sure to include your spouse’s assets and all jointly owned or community property. Use the current market value for everything you own and the face value (not cash value) for any life insurance. The chart at right is an easy way to list your figures. Don’t strive for exact amounts; round numbers will do.

Decide Where You Want Your Property to Go.

Once you’ve made an inventory of your property, you’re ready to decide where you want it to go. See Pages 6–7 for a list of things you should consider first and a form to help you organize your plans.

When estate planning is mentioned, most people think of a will. A will ensures that your wishes are carried out after your lifetime. But a good estate plan can include various instruments that benefit you and the people and causes you care about most, today as well as after your lifetime.

Organizing Your Estate Plans

An Easy 3-Step Guide

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By completing a solid estate

plan today, you’re creating a

road map for your loved ones

to follow later, when they need

it most.