2015 Calendar Annual Report Fiscal Year 2014

ANNUAL REPORT | FISCAL YEAR 2014

2015CALENDAR October

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205 S. Hays Street | Bel Air, MD 21014 Cecil County 410-398-3399 | Harford County 410-638-4434 www.HabitatSusq.org

FROM THE EXECUTIVE DIRECTOR This was a very good year at Habitat for Humanity Susquehanna. We served more families. We built more houses. We repaired more homes. We welcomed more volunteers. We participated fully in our Harford and Cecil communities, and we are grateful for the opportunity to do so.

OUR SERVICE AREA FAMILIES SERVED HARFORD

CECIL

But it wasn’t a good year everywhere. Coming out of the Great Recession, income inequality is up, job growth is weak, and homeownership rates are declining. Working families are stretched to the limit.

Families need protection from income insecurity, eroding safety nets, and declining opportunity.

The local answer to these woes is our nonprofit, where hard work is rewarded, pennies are managed frugally, and family futures once again look bright.

Habitat families work very hard to budget their funds, build good credit, and then work hundreds of hours in construction – just for the chance to pay a mortgage.

In return, they receive a modest, energy efficient, long lasting home in which they build equity as they build their family’s future.

In the pages of this calendar, you will see some of the faces of volunteers, homeownership and repair families, and a thank you to each one of the many contributors that made it possible this past year. We know 2015 will be another good year, and we hope you will continue to be part of the Habitat family.

Thank you for your support,

NEW CONSTRUCTION 6 REHABILITATION 2 REPAIRS 40

TOTAL FAMILIES 48 Fiscal Year 2014

As a reflection of God’s love and in partnership with the community, Habitat for Humanity Susquehanna seeks to create homeownership opportunities by building, renovating and repairing homes.

Our Mission Our Vision

Habitat for Humanity Susquehanna’s vision is to eliminate substandard housing in Cecil and Harford counties through action and advocacy.

FISCAL YEAR 2014

Board of Directors

INCOME

OFFICERS

Steve Linkous, President Joe Hurley, Vice President Raymond “Chick” Hamm, Jr., Treasurer Yvonne Roberson, Secretary

RANSFER OF HOMES TO 35.50% TPARTNER FAMILIES & OTHER

26.69% GOVERNMENT GRANTS 13.17% IN-KIND GOODS & SERVICES 10.72% BUSINESSES & EVENTS

DIRECTORS

Sarah Colenda Rich Cotton Collen Ferg Helmlinger Annette Haggray Teresa Herbert Bob Johnson Nichole Keys Diane Lane Linda McLeod Matt Mullen Bruce Miller Pam Ruff John Schab Danielle Tinsley Katie York

& 9.38% FOUNDATIONS,CHURCHES, COMMUNITY GROUPS

4.54% INDIVIDUAL SUPPORT

STAFF

Karen Blandford, Executive Director Caroline Adolph David A. Burja Phil Eichensehr Steve Fulkrod Debbie Gemuendt Anne Hottle Tara Hyde Megan Lally Michaelann Meehan Kevin Rabold Bill Schmidt Carol Suzdak Abrielle Willis

EXPENSES 70.99% BUILD & REPAIR PROGRAMS 13.81% FUNDRAISING 10.28% VOLUNTEER & FAMILY SERVICES 4.92% MANAGEMENT

205 S. Hays Street | Bel Air, MD 21014 | Cecil County 410-398-3399 | Harford County 410-638-4434 | www.HabitatSusq.org

“I didn’t see any way out. I never thought that I could ever own a home. I am so thankful to Habitat for providing me with the opportunity to purchase a safe and stable home for my children.” Putasha Head, Habitat Homeowner Habitat for Humanity Susquehanna breaks the cycle of generational poverty by helping families achieve their dream of homeownership.

Last year, Habitat homeowners saved $464,017 over paying market rent. This allowed families to save for education, transportation, and retirement.

Each homeowner also saw an increased net worth of $462 in just one year. With a hand-up from the community, the financial burden is lifted and Habitat Susquehanna homeowners can plan for a brighter future.

Future DECEMBER 2014 S

JANUARY2015 Sunday

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“For I know the plans I have for you, plans to prosper you and not to harm you, plans to give you hope and a future.”

Jeremiah 29:11

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205 S. Hays Street | Bel Air, MD 21014 | Cecil County 410-398-3399 | Harford County 410-638-4434 | www.HabitatSusq.org

“Words cannot express my deepest heartfelt gratitude to each and every volunteer who worked to make my dream come true. I feel like I have been given the beautiful gift of a place to rest my head and put my heart.” Linda Holmes, Habitat Homeowner Habitat for Humanity Susquehanna seeks to put God’s love into action by building homes, communities and hope. This year we served 48 families and, along the way, they discovered not only God’s love, but the community’s love as well.

Love JANUARY 2015 S

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205 S. Hays Street | Bel Air, MD 21014 | Cecil County 410-398-3399 | Harford County 410-638-4434 | www.HabitatSusq.org

“This has lifted such a huge burden from our family. It was impossible to keep up with the expenses of everyday life and a son in college. I was drowning in a sea of desperation when Habitat threw me a line and rescued me and gave us hope of living an affordable lifestyle.”

Adrienne Brooks, Habitat Homeowner In addition to actively constructing their own homes, partner families complete four financial education classes plus a first-time homebuyer course.

This year, Habitat families spent over 226 hours in classes and performed over 3,250 hours in sweat equity. They work hard to change their course and improve their own lives.

Hope FEBRUARY 2015

MARCH2015 Sunday

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Habitat doesn’t just build homes, they build hope. HHS provides partner families with the tools to improve their lives.

205 S. Hays Street | Bel Air, MD 21014 | Cecil County 410-398-3399 | Harford County 410-638-4434 | www.HabitatSusq.org

“Habitat has a powerful mission that provides deserving families a sense of ownership and pride.

I have watched families work hard, hope deeply, and connect strongly with the community. I never take the front door of my own home for granted since I started volunteering for Habitat.”

Peggy Hart, Habitat Volunteer Habitat for Humanity Susquehanna volunteers help to make homes affordable.

This year 2,052 volunteers contributed 16,803 hours. Of those volunteers, 1,757 were on the construction site, 88 helped in the office or at an event, and 207 were part of a committee.

Volunteers are the core of the organization, allowing Habitat Susquehanna to better serve the community.

Serve MARCH 2015

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Passover Begins Good Friday HHS’s Offices Closed

April Fools Day

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National Volunteer Week Begins

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This fiscal year volunteers saved HHS $427,277 in labor costs. Volunteer with Habitat today!

205 S. Hays Street | Bel Air, MD 21014 | Cecil County 410-398-3399 | Harford County 410-638-4434 | www.HabitatSusq.org

“It was a privilege for Lennar Homes to partner with Habitat for Humanity Susquehanna and use our collective skills and expertise to make a lasting, positive impact in the lives of two families, as well as the greater Aberdeen community.”

Rod Hart, Division President, Lennar Homes of Maryland On June 2-6, 2014, Habitat for Humanity Susquehanna partnered with Lennar Homes of Maryland and their trade partners to construct two new homes in just four days as part of National Home Builders Blitz.

This donation, valued at over $150,000, ensured that two families reached their dream of homeownership. Thank you, Lennar Homes of Maryland!

Opportunity APRIL 2015 S

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Strong women build strong homes. For more information on women build visit www.habitatsusq.org/WomenBuild

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205 S. Hays Street | Bel Air, MD 21014 | Cecil County 410-398-3399 | Harford County 410-638-4434 | www.HabitatSusq.org

“We are gaining new family and friends with each step, and we help other partner families as God would want us to do.

Through classes and mentorship, we have gained valuable knowledge that we will carry with us throughout our lifetime and share with our daughter.”

Cara Middendorf, Habitat Homeowner & AmeriCorps VISTA In fiscal year 2014, Habitat for Humanity Susquehanna was blessed to work with an AmeriCorps VISTA who focused on Habitat’s Neighborhood Revitalization Initiative (NRI).

Adopted in 2010 to address increasing challenges in the communities, NRI serves families by responding to community desires and empowering residents to become involved in their neighborhoods.

Through this program, Habitat Susquehanna served an additional 50 families, identified 14 new partnerships, had 28 events and recruited 23 new volunteers.

Community MAY 2015 S

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15th Annual Habitat for Humanity Susquehanna Golf Classic

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Help us find qualified families in your community by visiting

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www.habitatsusq.org/becoming-a-homeowner

205 S. Hays Street | Bel Air, MD 21014 | Cecil County 410-398-3399 | Harford County 410-638-4434 | www.HabitatSusq.org

“The faith community is at the heart of our builds and God is at the center of our work.

Faith communities inspire individuals to go and serve, help find families who need homes, and support the work of the organization financially.”

Reverend Shannon Sullivan Pastor at Presbury United Methodist Church and Member, Board of Directors All faith backgrounds are welcome to be an integral connection to help put our faith into action. Each day on site, in the office and at events, we reach out in kindness, reflecting God’s love to build up our community.

Faith JUNE 2015 S

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Saturday Independence Day HHS’s Offices Closed

“I will show you my faith by my deeds.”

James 2:18b

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AUGUST 2015

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205 S. Hays Street | Bel Air, MD 21014 | Cecil County 410-398-3399 | Harford County 410-638-4434 | www.HabitatSusq.org

“Habitat is going above and beyond for us, and we truly appreciate it. I would have never been able to finish this project without them.” Ray Weatherington, Habitat Repair Family and U.S. Marine Veteran Habitat for Humanity Susquehanna provides a handup, not a hand-out. Partner families help build their homes and work alongside volunteers.

Habitat Susquehanna not only partners with families, but the community as well, and together they work toward a better future. This year 120 groups volunteered, including 96 business groups and 24 church and civic groups.

Stability JULY 2015 S

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A home is a symbol of stability. Give HHS homeowners a chance to better their children’s lives by donating today. www.habitatsusq.org

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205 S. Hays Street | Bel Air, MD 21014 | Cecil County 410-398-3399 | Harford County 410-638-4434 | www.HabitatSusq.org

“Going to Kenya with Habitat Susquehanna was one of the greatest experiences of my life. It was great to see how we can come together despite our differences, when we have a common goal of building homes, community, and hope.”

Jackie Shaffstall, Habitat Volunteer Habitat for Humanity Susquehanna recognizes the need for affordable housing not only in its own service area, but throughout the world. This past fiscal year, HHS tithed $19,297.83 to our affiliates in El Salvador, Kenya and Malawi. Habitat International has built affordable housing for more than 3 million people worldwide.

Tithe AUGUST 2015 S

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HHS recognizes the need for affordable housing all over the world. For more information on Global Village visit www.habitat.org/gv

205 S. Hays Street | Bel Air, MD 21014 | Cecil County 410-398-3399 | Harford County 410-638-4434 | www.HabitatSusq.org

“I firmly believe that family is an important part and center of my life. Not only do I have a strong, beautiful, and loving family, but I now have a new path toward a new beginning, new hopes, new dreams, and a HOME I will call my own.” Nirza Montalvo, Habitat Homeowner When Nirza Montalvo found herself living in an unsafe and crowded environment that affected her health, she reached out to Habitat for help. With her family by her side, she confronted her abusive relationship and prayed for change. Nirza’s dream was to open the door to a home that was filled with not only furniture but love, laughter and dreams.

A year later, Nirza achieved her goal of homeownership and her family continues to forge new memories in her Habitat home.

Family SEPTEMBER 2015 S

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HHS families put a lot of work into making their dream of homeownership a reality.

Spread the word about our program and help us find deserving families

www.habitatsusq.org/becoming-a-homeowner

International Day of Prayer

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205 S. Hays Street | Bel Air, MD 21014 | Cecil County 410-398-3399 | Harford County 410-638-4434 | www.HabitatSusq.org

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“Habitat went out of their way to help, despite what little money I had. I no longer have to stay inside. I can go outside whenever I want and enjoy the garden and watch my two children ride their bikes.” Habitat Repair Family Habitat for Humanity Susquehanna not only provides affordable housing, but also keeps low income families safe in their homes through the Repair Program that provides critical repairs, weatherization and accessibility. Since its inception in 2008, the Repair Program has served 259 lowincome homeowners in Cecil and Harford counties with 306 repairs. This year’s highlights include 49 completed repairs.

Pride OCTOBER 2015 S

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HHS’s Repair Program restores the pride in current homeowners by providing them with accessibility. Help spread the pride in your community by donating to our Repair Program at www.habitatsusq.org

205 S. Hays Street | Bel Air, MD 21014 | Cecil County 410-398-3399 | Harford County 410-638-4434 | www.HabitatSusq.org

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“Habitat offered me a hand– a helping hand. They worked with me, guided me through the steps I needed to take to confront and amend my past financial mistakes—the steps I needed to take to truly be independent.” Heather Naulty, Habitat Homeowner As each family steps into the home they helped build, they begin making precious memories. The road to homeownership may be long, but they find “there’s no place like home.” With 265 families served since 1993, we offer our families the chance to build lasting, cherished memories.

Memories NOVEMBER 2015

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Christmas Day HHS’s Offices Closed

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Help a family make memories in their new home by making an end of the year contribution to HHS.

205 S. Hays Street | Bel Air, MD 21014 | Cecil County 410-398-3399 | Harford County 410-638-4434 | www.HabitatSusq.org

THANK YOU FISCAL YEAR 2014 SPONSORS & DONORS! Over $50,000 Harford County Government The Harry & Jeanette Weinberg Foundation Inc. Maryland Affordable Housing Trust

Mr. & Mrs. Greg Fox Mr. Jonathan Fox Mr. & Mrs. Steven Fulkrod Mr. & Mrs. Richard Gilligan Mr. Wayne Goddard $20,000-$49,999 Grove Presbyterian Church Bank of America Foundation, Inc. Dr. Leo Handerhan Cecil County Government Mr. & Mrs. Tom & Peggy Hart The Dresher Foundation Mr. Robert Jacobs The Harford Mutual Insurance Companies Mr. Michael Jennings Maryland Energy Administration Mr. Kevin Kantor & Ms. Jeanine Upchurch Mr. Stephen Kirchner $10,000-$19,999 Ms. Miranda Lawrence Anonymous Ms. Joan Ludlow APGFCU Mr. & Mrs. George Majchrzak Habitat for Humanity International Mr. George Mullin The Home Depot Foundation Mrs. Lena O’Neill The Morris A. & Clarisse Mechanic Foundation, Inc. Mr. Michael Plank Rosedale Federal Savings & Loan Association Presbyterian Church of Havre de Grace Stewart Association Land Development, Inc. Dr. Carl Roberts Mr. Jim Wilhelm Shelter Development, LLC Siemens Caring Hands Foundation $5,000-$9,999 St. Stephen Roman Catholic Church Anonymous Mr. & Mrs. Johnny & Pauline Testerman ATK Mr. Stephen Tillinghast Battelle Eastern Science and Technology Center Mr. Joseph Traino Mr. Adam Datesman & Dr. Julie Ducharme United Way of Cecil County Frito Lay Mr. & Mrs. Scott Walker Mr. & Mrs. Raymond W. & Anne M. Hamm, Jr. Ms. Jillian Walsh J.W. & Sons Inc. Mr. Clarence White, Jr. Maryland Department of Housing & Community Development $100-$499 State Farm Mutual Automobile Insurance Co. Dr. Vijay Abhyankar Acton Mobile Industries $1,000-$4,999 AJ Manufacturing Co., Inc. Aberdeen Proving Ground Main Alpha Kappa Alpha Sorority, Post Protestant Congregation Inc. XI Delta Omega Chapter Anonymous Mr. & Mrs. Charles Alston American Legion Susquehanna Post 135 Mr. Bill Amereihn Baltimore Gas & Electric Co. Anonymous Bethel Presbyterian Church Mrs. Barbara Antoshak Chesapeake Bay Area Combined Federal Campaign Armstrong Chesapeake Environmental Management, Inc. Assenmacher Specialty Tools, Inc. Mr. & Mrs. Jerry & Judy Clark Astro Pneumatic Tool Company Donley Construction, LLC Auto Stop Limited, Inc. Dulaney Title & Escrow Automated Coatings, Inc. Fallston Presbyterian Church B & C Tools, LLC Mr. & Mrs. David Freeman Sheriff & Mrs. L. Jesse Bane Harford Chamber Business Resource Network Bank of America United Way Campaign

The Goddard School Goldman, Sachs & Co Ms. Gayle Greenwood Dr. M. Annette Haggray Mr. Kevin Haitmanek Ms. Dawn Hamilton Mr. & Mrs. Sean Hart Ms. Colleen Ferg Helmlinger Herud Family Living Trust Mr. Kenneth Hess Ms. Sherine High Ms. Dorothy Higinbothom Mr. Brian Holloway Holy Cross Episcopal Church Ms. Kathleen Housman Mr. John Howe Mrs. Betty Hunter Mr. & Mrs. Michael Hyde Janes United Methodist Church Jeffrey Miller Insurance, Inc. Mr. Eddie Jenkins Ms. Phyllis Johnson Mr. Charles Jones Mr. Leonard Kirk Ms. Shawn Kros Ms. Jessica Kwicien Mr. John Leavy Linden Heights United Methodist Church Lions Club of Bel Air Mrs. Rosemary Logan Lower Susquehanna Heritage Greenway, Inc. Ms. Marianne Lucot Lutheran Church of the Good Shepherd Mr. Robert Marshall Ms. Deirdre Martin Mr. & Mrs. Chuck Masters Mr. & Mrs. Bill & Karen Matthews Mayhew Steel Products, Inc. Mr. & Mrs. Robert & Carol McCormack Michael’s Bay Marine Mr. & Mrs. Tony & Ginny Meoli Mr. Joseph Milano Mr. & Mrs. Bruce Miller Ms. Jacqueline Moore Mr. Derek Moses Mr. & Mrs. Joe & Janet Noone Mr. Scott Northcraft Mr. Richard Oleson

Mr. Mark Wolf Ms. Suzanne Young Mrs. Donna Zavacky Mr. Daniel Zivi

Harford County Chapter Thrivent Financial for Lutherans Mr. Dan Harrison Havre de Grace United Methodist Church Mr. Jonathan Herz & Ms. Karen Blandford Highland Presbyterian Church Hollywood Casino Perryville Ms. Marcella Hoesch Mr. & Mrs. Joe & Stephanie Hurley Jay Edwards & Associates, LLC Ms. Townsend Kent Kohl’s Dr. Diane Lane Mr. & Mrs. Ed Linhares Mr. & Mrs. Stephen Linkous Mt. Zion Baptist Church Mr. Matthew Mullen Dr. Rodger & Mrs. Susie Oursler Ravens Act Foundation Rotary Club of Aberdeen Charities, Inc. Mr. James Sirkis Mr. Daniel Smelkinson St. Ignatius Roman Catholic Church St. Margaret Church Target Corporation TerraCycle, Inc The Whiting-Turner Contracting Company United Way of Central Maryland Mr. Rick Vitek Ms. Betty Ward Women’s 5K by the Bay

Orems Garage, Inc Phil & Rick’s Service Center, Inc. Mr. Jim Piccione Presbyterian Women/ First Presbyterian Church Mr. John Prugh Ms. JB Redding Mr. & Mrs. Danny & Susan Roarty Ms. Arleen Robinson Mr. Diego Rodenas, Jr. Mrs. Pam Ruff Mr. & Mrs. Timothy Rutledge Mr. William Ryan Saint Margaret School Ms. Susan Sanderson Ms. Claudia Scarborough Mr. John Schab Mrs. Ann Schiavi Mr. Dave Serio & Ms. Michelle Hose Mr. Zach Serp Mr. Harlan Shaffer Mr. Joseph Sommerville Ms. Diane Stafford St. Mary’s Church, Women’s Acct.

St. Patrick’s Catholic Church Mrs. Nancy Stubbs Mr. Henry Suchting, III Synergy Home Care Temple Adas Shalom Mrs. Dorothy Thomey COL. & Mrs. Kenneth Tozzi Trapped In Paradise Vacations True Colors Collision Unlimited Mr. & Mrs. Ron Turing, Jr. Mr. Hank Twist, Sr. Mr. Jim Uhles Rev. Lloyd Umbarger Mrs. Athena Underwood United Way of Greater Atlanta Mr. & Mrs. Larry & Emlagene Vande Kieft Vehicle Service Plus, Inc. Mr. Louis Vigliotti Mr. & Mrs. Christopher Wadsworth Mr. & Mrs. Jeffrey Walsh Ms. Carol Washburn Wells Fargo Foundation Education Matching Gift Program Wesleyan Chapel United Methodist Wholesale Cabinet Distributions Ms. Joan Wiggins Mr. John Wilhelm Mr. & Mrs. Judith Witts

Episcopal Regional Council Harford County Ms. Belinda Esspersoh Mr. Steven Fabian Mrs. Theresa Fielder Ms. Diane Firak Mr. Sean Fleming Mr. & Mrs. William Fritz Mrs. Diane Fritzges Mrs. Joanne Gallagher Rev. Anne McCorkle Garrett Mr. George Geist Mr. Malcolm Goodman Mr. Nate Gordon Mrs. Bridgette Graham Mr. Frank Gregg Mr. & Mrs. Milton Greif Mr. James Gribbell Ms. Jane Hall Ms. Christine Harkins Mr. Byron Hawley Mr. Frederick Hawtin, Jr. Mr. Hlib Hayuk Mrs. Suzanne Hennessy Ms. Judy Herman Ms. Jean Hess Mr. Joseph Hevey Ms. Joan Higginbotham Mrs. Charlotte Hilberg Ms. Barbara Hillman Ms. Karen Holt Sunshine Design Mrs. Elizabeth Hopkins Mr. Terry Horrocks Mr. Robert Hyneckeal Ms. Christine Jack Ms. Diana Jacobs Ms. Barbara Jameson Mr. James Johnson Mr. David Joynt Mr. & Mrs. David & Kelly Keyes Ms. Drema Kilby Mr. Edwin Knepshield Ms. Isabelle Knox Mr. Stan Kozenewski Mr. Ronald Krchnavy Ms. Geraldine Krotee Mr. Andy Lambert Mr. & Mrs. Calvin Langford Dr. Lynn Larsen Mr. Robert Lewis, Jr. Mr. Anthony Madden Ms. Paula Mank

$500-$999 Mr. James Aiken Allied Phillips Heating & Air Conditioning Mr. & Mrs. Christopher Andon Mr. & Mrs. Paul Balsamo Bel Air Networking Group Mr. Tom Borg Mr. John Brice & Ms. Judith Morgan Mr. & Mrs. Jim & Jeanne Butcher Capitol Finishes, Inc. Cecil County Board of Realtors Mr. & Mrs. Art & Karen Charron Mr. & Mrs. Allen & Sarah Colenda Ms. Margaret Combs Mr. Bob Corbett Mr. James Corbett Mr. David Dixon Mr. Edmond Elburn Dr. & Mrs. John & Sandra Ferriter First Presbyterian Church of Bel Air

Mr. Dean Barber & Ms. Linda McLeod Barry’s Service Center Bernie’s Automotive Services, Inc. Mr. & Mrs. William Blewett Ms. Joanne Bowman Mr. Jim Brady Ms. Annie Brock Ms. Joni Brown Buck’s Auto Service Mr. Hugh Buffington, Jr. Ms. Marilyn Carlon Mr. Jonathan Ceci Mr. & Mrs. Jim & Donna Chason Chesapeake Employers’ Insurance Company Clarke Refuse Service The Clorox Company Coffee News Cokesbury Memorial United Methodist Church Ms. Nicole Compel-Galie Constellation Mr. Gerald Cook Ms. Mindy Costanzo-Romero Mr. & Mrs. Dale & Holly Crouse Mr. Scott Dagostin Mrs. Elizabeth Daniel Mr. & Mrs. Steven Davids DC Tools, LLC Mr. & Mrs. Jack & Julia Deal Delta Sigma Theta Sorority, Inc. Dental Technology Center Mr. Brian Donley Mr. Roger Dorr Mr. & Mrs. James Dougherty Douglas Tool Sales, LLC Mr. David Dyke Dynamic Automotive Mr. & Mrs. Paul Edmeades Mr. & Mrs. Alfred Edwards Mr. & Mrs. Phil Eichensehr Employees Charity Organization of Northrop Grumman Mr. & Mrs. Steve Fabian Mr. Laurence Frank Mr. & Mrs. Herbert & Patricia Freiberger Ms. Shelley Frome Mr. & Mrs. Clarence Fry Mr. & Mrs. Joseph Fuggi Mr. & Mrs. Dwight & Lisa Fuller Gabor Financial Group Mr. & Mrs. Jeff & Debbie Gemuendt Mr. John Gheen Mr. Tyson Gischel

Under $100 Mr. & Mrs. Nelson Acosta Mr. William Adams Mr. & Mrs. B. Gregory & Caroline Adolph Mr. & Mrs. Gerald & Diane Alsid Ms. Jenny Altieri Mr. Tsegaye Ameno Mr. Kevin Amig Anonymous Ms. Barbara Aspinall Ms. Eugenia Bagley Ms. Sandra Barstow Mr. Daniel Berends Mr. & Mrs. Kirk Bolen Mr. Roby Bradford Ms. Jen Brandon Ms. Anne Bredlow Ms. Megan Brown Mr. Al Buecker Mrs. Chris Callis Mrs. Susan Capp Cecil County Leadership Class of 2014 Chipotle- Bel Air Ms. Julie Chmura Ms. Kathy Christ Mr. John Ciccarone Ms. Roseanne Clarke Mr. Edward Corcoran Ms. Karen Davis Ms. Sylvia Davis Ms. Carolyn Dawson Ms. Elizabeth Dean Mr. James Decourcey Mr. Charles Delss Ms. Grace Dennis Mr. Richard Dewey Diepold & Associates, LLC Mr. & Mrs. Pearre Doetsch Ms. Linn Driessen Ms. Deborah Dugan Mrs. Anne Dulik Ms. Sally Edler Mr. Edmond Elburn

Ms. Elizabeth Markum Mr. & Mrs. Craig Mathaney Mr. Richard Mattias Mr. Anthony Maxwell Mr. Chris Maynard Ms. Allyson McNamara Mrs. Kathleen Mester Mrs. Cara Middendorf Ms. Deborah Mills Ms. Candace Minnicks Ms. Dawn Moessner Ms. Sarah Mohr Mr. Eric Moore Ms. Laura Murphy Ms. Heather Naulty Ms. Laura Nelson Mr. Paul Nelson Ms. Beth Oleszczuk Ms. Patricia Oster-Jones Ms. Nettie Owens Mrs. Rachel Padilla Mr. & Mrs. Marion Parker Mr. Wayne Perry Mr. & Mrs. Dale Pickett, Jr. Mr. & Mrs. Larry Pickett Port Deposit Presbyterian Church Mr. Dennis Powers, Jr. Ms. Kathleen Purin Ms. Aubrey Rabold Mr. Selwyn Ray Reitz Living Trust Mrs. Deanna Rinker Mr. David Ruigrok Mr. Jose Santiago Sappari Solutions Mr. Al Schwarzel Mr. Wade Scott Ms. Judith Sengelaub Mr. and Mrs. Gary Shreck Mr. Stephen Silva Ms. Mary Slade Mr. & Mrs. Asheesh & Anuraag Sood Ms. Anne Sparks Mrs. Dian Stafford Ms. Pamela Stark Mr. Daniel Sturgeon Sunshine Design Mrs. Carol Suzdak

Mr. Tom Svoboda Ms. Karen Sweeney Mr. Kevin Thacker Ms. Elizabeth Tiemann T-N-T ICE LLC Ms. Mary Tracy Ms. Kathleen Tress Ms. Victoria Turner Ms. Gail Valenti Ms. Kathy Vertin Ms. Mary Ellen Volkart Ms. Karen Waller Mr. John Walters Ms. Holly Watson Mr. & Mrs. Geoffrey & Roxana Weir Ms. Joyce Wells Mr. & Mrs. James Williams Ms. Lori Williams Ms. Abrielle Willis Mr. Joseph Wilson Ms. Chere Woodman Mr. Brian Woodward Ms. Robbyn Zimmerman Mr. & Mrs. William Zimmerman Mr. Christopher Zukowski Dream Builders’ Ball The Abell Foundation Mr. & Mrs. B. Gregory & Caroline Adolph Anonymous APGFCU Sheriff & Mrs. L. Jesse Bane Mr. & Mrs. Frank & Tanya Bennett Ms. Karen Blandford Mr. & Mrs. William Blewett Boyle Buick GMC Truck Mr. John Brice & Ms. Judith Morgan CareFirst BlueCross Blue Shield Caves Valley Partners Mr. & Mrs. Jim & Donna Chason Chason, Rosner, Leary & Marshall, LLC Chesapeake Employers’ Insurance Company Ms. Julie Chmura Civil Utility Construction Company, Inc. Mr. & Mrs. Jerry & Judy Clark Mr. & Mrs. Allen & Sarah Colenda The Columbia Bank Mr. & Mrs. Don Combs Mr. Curtis C. Coon Cranford Contractors, Inc. Cuomo and Goddard, LLP DeCapite & DeCapite, PA

Dulaney Title and Escrow Mr. & Mrs. Paul Edmeades Mr. & Mrs. Phil Eichensehr Mr. & Mrs. Michael Euler Frederick Ward Associates Freedom Federal Credit Union Ms. Shelley Frome Mr. & Mrs. Steven Fulkrod Mr. & Mrs. Dwight & Lisa Fuller G&M Automotive Bel Air Mr. Sigmund Gast Mr. & Mrs. Jeff Gemuendt Mr. & Mrs. Richard Gilligan Mr. Tyson Gischel Ms. Teresa Greider The Gutter Guys Harford Bank Harford Community College Harford County Chamber of Commerce The Harford Mutual Insurance Companies Mr. & Mrs. Tom & Peggy Hart Ms. Elizabeth Hendrix Ms. Christine Hess Hollywood Casino Perryville Mr. & Mrs. Terry Hottle Mr. & Mrs. Joseph Hughes Mr. & Mrs. Joe Hurley Mrs. Dawn Hyde Jay Edwards & Associates, LLC Kelly & Associates Insurance Group, Inc. Ms. Shawn Kros Mrs. Megan Lally Mr. & Mrs. Calvin Langford Mrs. Cherie Lhotsky Mr. & Mrs. Steven Linkous Mr. Peter McCallum Ms. Linda McLeod Mr. & Mrs. Tony Meoli Mr. David Meyer Mr. & Mrs. Bruce Miller Mr. Mark Monaco Dr. & Mrs. Rodger & Susie Oursler PNC Community Development Banking Mr. & Mrs. Kevin Rabold Mr. & Mrs. Donald Ricketts Mr. & Mrs. Danny Roarty Ms. Yvonne Roberson Rotary Club of Aberdeen Charities, Inc. Ms. Holly Russell Saxon’s Diamond Centers, Inc. Mrs. Teresa Sedlak

Gemcraft Homes Gold Medal Physical Therapy Mr. Gordon Hammann The Harford Mutual Insurance Companies Mr. Byron Hawley Hurley World Travel Co. Mr. & Mrs. Joe Hurley Mrs. Dawn Hyde Mr. Joe Iacchei Innovative Ideas, Inc. Integrity Cleaning, Inc. Jones Junction Kaizen Associates, Inc. Kerry Hochstein & Associates Mr. Brian Kolbe Mr. Bill Kress Mr. Steven Kroedel Mr. Louis Lomp Looney’s Pub Mr. Thomas Lucas MaGerk’s Pub & Grill MasterCard Mr. & Mrs. Bill & Karen Matthews McComas Funeral Home Mr. Michael McLean Mr. Kenneth Merrill Mr. & Mrs. Bruce Miller Ms. Jayne Miller Mr. Lester Miller MNSG Acquisition Co. LLC Mr. Michael Murphy Mr. Mike Myers Ms. Helen Pannes Mr. Victor Peguero Ramsey Ford Ms. Patrice Ricciardi Mr. William Robinson Mr. Patrick Rose Rotary Club of Aberdeen Charities, Inc. Rymark Financial Safe Harbors Travel Group SC&H Group Mr. David Schall Mr. Joseph Scott Mr. Brian Seymore Sherwin Williams Mr. Charles Slusher Snee, Mahoney, Lutche & Helmlinger, P.A. Mr. Bob Spalding Mr. James Stangle State Farm Insurance Stewart Association Land Development, Inc.

Sutton for Sheriff Mrs. Carol Suzdak Mr. & Mrs. David Thomey Mr. & Mrs. Dwight Thomey Waterfront Properties, LLC The Wellwood

Slavie Federal Savings Bank Dr. & Mr. Barb & Charles Slusher Snee, Mahoney, Lutche & Helmlinger P.A. Ms. Margie Sturgill Mrs. Carol Suzdak Synergy HomeCare Mr. & Mrs. David Thomey Mr. & Mrs. Dwight Thomey Mr. William Tiger Mr. & Mrs. Scott Walker Walters & Associates, P.A. Ms. Betty Ward Willis Concrete Construction Ms. Abrielle Willis

Mr. Larry Stevenson Mr. Gary Stokes Ms. Teresa Stout Mr. Kyle Tomlinson Mr. Tim Tremper Mr. Lloyd Umbarger Vehicle Service Plus, Inc. W. R. Grace & Co. WEM, Inc. Mr. William White Yell Y’all and Rolling Games Mania Ms. Robin Young

Mr. Jim Casey Centerstage Charm City Run Mr. & Mrs. Jim & Donna Chason Chesapeake Employers’ Insurance Company Chesapeake Traders Food Warehouse Christopher Schafer Clothier Chick-Fil-A Churchville Golf Center Circa LTD The Columbia Bank Coffee Coffee Collectors Corner Mr. Joseph Conroy Costco Wholesale Courtland Hearth and Hardware Coveside Crabs Cree Critical Hits Mr. & Mrs. Pete & Dianne Dacey Decisive Data Systems Ms. Carol Deel Mr. Charlie Delss Mr. John Dennis Mr. & Mrs. Jerry Dorminy Dow Chemical Dulaney Title and Escrow Dunkin’ Donuts Einstein Brothers Bagels Elec Pros, Inc The EPICENTER at Edgewood Evergreen Farm, Inc. Evergreen Garden Club Evergreen Museum & Library Fairway Hills Golf Course Famous Dave’s Fast Park Ferguson Golf Institute Dr. Dennis Fisher Flowers by Lucy Forest Hill Elementary SGA Forest Hill Lanes Forest Hill Lighting Freedom Federal Credit Union Friendly’s Mr. & Mrs. Steve & Maggie Fulkrod Galway Bay Apparel Miss Skye Garrett Girl Scout Troop 10235 Girl Scout Troop 524

Golf Tournament Dr. Vijay Abhyankar Acton Mobile Industries AmeriNational Ms. Nancy Anderson Anonymous APGFCU Armstrong Mr. & Mrs. Gary Barnoff Mr. Harvey Beal Mr. David Benigni Brightview Avondell Brown, Brown & Young Mr. & Mrs. Randy Brunkhorst Mr. Whistler Burch Mr. Pat Burke CertaproPainters of Northeast, MD Chesapeake Bank of Maryland Ms. Julie Chmura Mr. Mike Cimatu Clifton Investment Partnership, LLP Computer Design Kitchen Center The Corner at Beards Hill Computer Renaissance Mr. Denise Cooper Mr. Matt Cullen Mr. Charles Delss Mr. Gregory DiCarlo Mr. Leonard DiCarlo Ferrell Fuel Company, Inc. First National Bank Dr. Dennis Fisher Mr. & Mrs. Steven Fulkrod G&M Stokes Business Services, Inc. Ms. Janet Garinther

Build-A-House BBQ Mr. & Mrs. Brian Adolph Mr. & Mrs. B. Gregory & Caroline Adolph Anonymous Cecil College Ms. Julie Chmura Ms. Carol Deel Delmarva Power Mr. Roger Dorr Elkton Housing Authority Elkton Rotary Club EXiT Preferred Realty LLC Mr. & Mrs. Steven Fulkrod Drs. Robert & Susan Gell Gemcraft Homes Mrs. Debbie Gemuendt Ms. Teresa Greider Mr. & Mrs. Raymond W. & Anne M. Hamm, Jr. Mrs. Deborah Herrmann Ms. Christine Hess Hollywood Casino Perryville Mr. & Mrs. Terry Hottle Hurley World Travel Co. Dr. Diane Lane Ms. Vickie Luther Mr. Thomas Marston MD Dept. of Housing & Community Development Ms. Cara Middendorf Mr. Matthew Mullen Mr. Robert Myers, III Dr. Stephen Pannill Ms. Jeanne Parry PNC Ms. Kathleen Roach Ms. Roseann Santoro Mr. John Schab Snee, Mahoney, Lutche & Helmlinger, P.A. Mr. & Mrs. Bill Standiford

In Kind 3rd Base Wine & Spirits Aberdeen IronBirds Aberdeen Middle School Aberdeen Senior Activity Center Allied Phillips Heating & Air Conditioning APGFCU Apple Outdoor Advertising Arcade Floors Carpet One The Arena Club Aspire Hotel Babe Ruth Museum Back in the Day Café Bagel Works Mr. Collin Baker Balsalmo, Stewart, Lutters & Ruth Baltimore Blast Baltimore Mariners Baltimore Orioles Baltimore Ravens Baltimore Symphony Orchestra Barks and Blooms Mr. & Mrs. Gary Barnoff Ms. Sandra Barstow Ms. Karen Blandford BB&T Bank Bel Air Athletic Club Bel Air Games Bel Air Golf Center Bel Air Liquors Benchmark Construction Services, LLC Mr. & Mrs. Frank & Tanya Bennett Blush Floral Design Studio Boordy Vineyards Bottleworks Boys and Girls Club - Edgewood Branch Boys and Girls Club of Harford County Bel Air Branch Brownie Troop 765 Buffalo Wild Wings Bulle Rock Golf Course Cabot Creamery Cooperative Callahan Electrical Services, LLC Canby Motors Collision Repair Gordon Feinblatt LLC

The Gutter Guys Mr. Dave Guttman Habitat for Humanity International Habitat Golf Committee Mr. & Mrs. Raymond W. & Anne M. Hamm, Jr. Miss Lisa Hanyok Harford Community College The Harford County Reading Council (HCRC) Harford Lanes Havre de Grace Seafood Festival HCAA Heartbeat Fine Apparel & Accessories Mr. Stephen Hepburn The Hirschhorn Group Hobby Works The Humidour on the Hill Cigar Shoppe Mr. and Mrs. Michael and Dawn Hyde Ice World J. S. Dallas, Inc. Jay Edwards & Associates, LLC JB Hunt Mr. Eddie Jenkins Jigsaw Marketing K B Abstracts Karas, Bradford & Donlick Kayla’s Cupcake Creations Key Title Kid to Kid Consignment Klein’s Shoprite Bel Air Ms. Kristin Knoerlein Kohls Ladew Topiary Gardens Lavender Hill Craftsmen, LLC LEGO Store Lennar Homes Maryland Division Liberty Mountain Longwood Gardens Looney’s Pub Mrs. Nicole Lowery Lowe’s Home Improvement- White Marsh Lunar Bay Music Festival Macceni Hair Studio MaGerk’s Pub & Grill Magooby’s Joke House Mary Kay Independent Beauty Consultant Trystan Sill Maryland Golf & Country Club Massage Envy Spa Master Card MasterSeal Mrs. Carole Matejevich Mr. Patrick Rose

Rosenberg Martin Greenberg, LLP Rotary Club of Aberdeen Charities Inc. Mrs. Pam Ruff Saxon’s Diamond Centers, Inc. SC&H Group Schneider Electric Scott DiGennaro Home Repair Mr. Jim See Mr. Dave Serio Shoprite Signs by Tomorrow Mr. & Mrs. Allan & Connie Skewers Slavie Federal Savings Bank Mr. Chuck Slusher Square D State Farm Insurance: Shirley Brunkhorst Agency St. George’s Episcopal Church St. Joan of Arc St. Margaret School StaleFish Board Company Staples The Star-Spangled Banner Flag House State of Maryland International Reading Association Counsel (SoMIRAC) Strakes, Roberts, and Bauer Advertising Ms. Esthel Summerfield Ms. Jenn Sweeney Synergy Financial Group Mr. and Mrs. David Talbot Target Tanglewood Manor Golf Club TechSoup Texas Roadhouse Ms. Elizabeth Tiemann TitlePoint Corporation Town Nails and Spa Mr. Tim Tremper TW Perry Valspar Paint Ms. Jane Viele Vulcan Materials Company Walmart- North East The Walters Art Museum Washington Capitals Water’s Edge Events Center Wegmans Wells Fargo Whirlpool Mrs. Amy Willis Winters Run Golf Club

McCormick and Company Microsoft Mid Atlantic Expositions and Entertainment Modell’s Sporting Goods Modern Foundations Mountain Branch Golf Club Mountain Christian Church Mr. Matthew Mullen Nails Design National Gypsum Natural Gatherings Mr. John Naused Dr. & Mrs. Rodger & Susie Oursler Pairings Bistro Pandora, The Gallery at Harborplace Paradise Donuts Pat’s Pizzeria Pilgrim’s Oak Golf Course Planet Fitness Ms. Lillian Puglisi Proctor and Gamble Quality Analytical, Inc. Reliable Language Services, Inc. Rainbow North East The RED Company Ripley’s Believe it or Not! Rolling Games Mania Ronnie’s Fine Wine and Spirits

Ms. Sharon Wise Mrs. Sharon Wolff Wolf Fire Protection Wonder Toys W.R. Grace & Co. WXCY Xpanding Universe Comic Book Yale Yoga Fresh York Building Products Ms. Godine Young Mr. Ralph Young Zumba at the Bel Air Armory

205 S. Hays Street | Bel Air, MD 21014 Cecil County 410-398-3399 Harford County 410-638-4434 www.HabitatSusq.org Habitat for Humanity Susquehanna’s financial statements are audited each fiscal year ending June 30. For a copy of our most recent audit, please contact the HHS office at 410-638-4434.

Every effort has been made to ensure the accuracy of this report. Please accept our apologies if you name is omitted, misspelled, or otherwise incorrectly listed. If we have made an error, please let us know by contacting Tara Hyde, Development Associate, thyde@habitatsusq.org.

ANNUAL REPORT | FISCAL YEAR 2014

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205 S. Hays Street | Bel Air, MD 21014 Cecil County 410-398-3399 | Harford County 410-638-4434 www.HabitatSusq.org