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Annual2017/2018 Report 2017/2018

Friends and Supporters of Habitat Greater San Francisco: The past 12 months have been an amazing time for our organization. Our pipeline of new projects has never been stronger and we have recently received several new seven-figure grants in order to expand our mission. As importantly, the housing crisis in the Bay Area and the critical need for affordable homeownership opportunities is now finally being recognized by our broader community including community leaders, politicians, grant-makers and the press. The critical need for affordable housing is front page news! Just as this annual report was going to press, we had the privilege of hosting a Habitat homeowner dedication ceremony for six families. We, along with many of our supporters, congratulated them on realizing their dream of homeownership. We also reflected upon the importance of this milestone in building these families’ futures and the futures of generations to come. These profound moments remind us of why we do what we do. They reaffirm the importance of our mission to expand the promise of homeownership across our region and meaningfully address the housing and affordability crisis, which puts many at risk of displacement. It is an exciting time for Habitat for Humanity Greater San Francisco. We are poised to break ground on two sites in Redwood City and Daly City. In addition to these developments, our pipeline includes a project in San Francisco’s

Diamond Heights neighborhood, as well as an opportunity for homebuilding in Marin County. As you will read in this report, our ability to advocate on behalf of our homeowners and our region’s “missing middle” is stronger than ever. Our voice on housing and development issues is heard in our State’s Capitol, and across our region. We are acknowledged as a leading commentator on the impact of the 1970s-era California Environmental Quality Act on the ability to build affordable developments. We are pleased to report, on behalf of the board, that Habitat for Humanity Greater San Francisco is on a sound financial footing. As you will see from the audited financial data in this report, we are well supported to build new homes and sustain existing and new homeownership opportunities. Developing and constructing new affordable homes is a complex endeavor—one that can only be accomplished by marshalling the support of our donors, volunteers, neighbors and local authorities. We are deeply grateful for your support this year and we look forward to welcoming you at a Habitat building site in the months ahead. Sincerely,

David Cropper

Maureen Sedonaen


Building New Homes Habitat’s heart is in homebuilding. From transit-oriented condominiums in the heart of a city, to single-family homes in the suburbs, Habitat homes receive plaudits for their quality, design, and green credentials. They are a haven for working families and a secure place to raise the next generation. Andrea and her three children moved into their new home at Mt Burdell Place, Novato in late 2017. She was living month-to-month in a small apartment, with an electrical system that could not handle even a portable air conditioning unit. The family would frequently stay at friends’ homes so the children could sleep during summer. “It was a really horrible feeling as a single parent to know that we could be kicked out at any time,” she says. Andrea was speechless when she found out that her Habitat application was successful. “Never in a million years did I think I would be able to buy a home in the Bay Area.” As all Habitat homeowners do, she completed 500 hours of sweat equity working in partnership with Habitat volunteers and our professional construction staff to build her home. “My home means stability,” Andrea says. “I know that my children have a home to grow up in and don’t have to shuffle around every year.”

Creating Homeownership Opportunities Habitat extends the promise of homeownership to hardworking households in the “missing middle”—those whose incomes fall in the 40%-80% bracket and who are significantly affected by our region’s housing and affordability crisis. Our model provides first-time homebuyers with a chance to own a home with no down payment and housing costs capped at no more than 30% of household income. Homeownership unlocks a family’s potential. Across our region, our measurement data demonstrates that Habitat families see their children do better in school, save more for the future, and are more involved with community life.

“Being homeowners has changed our lives. And it has given us the opportunity to save a little more money for what the family needs—like being able to send my daughters to college.”



Making Critical Home Repairs The Bay Area’s housing and affordability crisis forces many families to leave the region. Our critical home repair program serves homeowners—often seniors on fixed incomes— to keep them in the communities they love. We bring together the power of thousands of volunteers each year to undertake repairs that keep residents warm, dry, safe, and able to maintain the value of their home. Five years ago, Bayview resident Rosa lost her husband to lung cancer, just 10 days after his diagnosis. They raised three children—and a niece and nephew—in their home of over 16 years. Before long, she says, the number of needed repairs grew and the house required the type of work that is out of reach for many homeowners on limited incomes. Habitat installed insulation in the attic and walls, replaced three windows, fixed fencing around the home, and made a number of safety improvements. “It was reaching a point where we would have to move out—and we would not have been able to afford to stay in the Bay Area,” Rosa says. “I’m so thankful for Habitat’s home repair program.” Rosa’s neighborhood, which has the lowest per capita income in San Francisco, is one of Habitat’s two focus areas for critical home repairs, the other being East Palo Alto where 18% live below the poverty line. In 2019, Habitat will extend the program to Belle Haven.

Revitalizing Parks and Gardens Every weekend of the year, Habitat volunteers and staff are out planting, weeding, and clearing parks and gardens. And, several times each year, we hold our Great Green Weekends where an army of volunteers take part in a three-day blitz and make a transformational impact on a green space. Parks, gardens, and public spaces play a major role in the life of a thriving community. If they are attractive, well-cared for, and safe, the community benefits. We work in partnership with neighbors to support beautification efforts with our volunteers and expertise.

“I was amazed how much work we got through in one day. After we had finished, the garden was transformed from an overgrown mess into something the whole neighborhood could start to enjoy.”


Furnishing Us with Resources Habitat’s “ReStore” sells gently used furniture, cabinetry, lights, and more. It accepts donations from generous owners and sells them to buyers who have an eye for a good deal. The proceeds go directly toward powering our work building, repairing, and revitalizing across our region. Located in San Carlos, in San Mateo County, the ReStore is perfectly placed as a hub for individuals, contractors, and others in the trade to source high-quality pieces.

“The first time I came in to the store I was surprised by just how good the quality of the furniture was—the donations are of a really high standard!” —LINDA, RESTORE CUSTOMER

Planning For the Future Habitat has an impressive pipeline of hundreds of affordable homes that will be built in the coming years. We are poised to break ground imminently on two new sites in Redwood City and in Daly City. We have begun the planning application for eight new homes on land donated to us in the Diamond Heights neighborhood of San Francisco. Beyond this, we are actively exploring more building across our entire three county region. Through your generous support, these homes become a reality.

DREAM BUILDER 750+ HOURS Allan McKay Linda Knox Linda Grayson HOPE BUILDER 500-749 HOURS

Inspiring Volunteers

Ronald Davis Janis Stagnaro

FOUNDATION BUILDER 250-499 HOURS Monica Armon Charles Williams Errol Durham Cheryl Patstone James Patmore Lee Patmore Jenny Tomita Arthur Grinstead

Alfred Cuasito Karen Fine Michael Chicotel COMMUNITY BUILDER 100-249 HOURS Larry Rushing Linda Grassi Stan Low Linda Desman

Terry Kruger Suzanne Daly Calvin Breed Alan Gordon Mei Huang Brian O’Kelly Lisa Cowles John Owl David Denola Nick McCall Steve Rutledge Will Derwin

Habitat marshalls the efforts of thousands of volunteers each year to change people’s lives. Because of this work, new homes are built, old homes are repaired, and neighborhoods are revitalized. This year, 3,203 volunteers worked with us, contributing a total of 29,298 volunteer hours. The value of this work to Habitat was an amazing $849,642!

“I feel good that I live in the house I helped build. I feel a lot of pride, not because it was built by my own hands, but because many others helped me complete it.”


“What’s fulfilling about volunteering? It’s how I feel at the end of the day when I go home: ‘this has been a great day!’”



Net Assets $24,967,124





Public Support $6,237,746 Investment Income $216,204 Sales Of Homes $6,659,693 Restore $1,704,387 Mortgage Income $1,475,576 Other $ 1,288,684 TOTAL $17,582,290

Individual Corporate Foundation Grants Other*

Programs $13,947,218 Fundraising $1,451,394 Admin $1,939,563 TOTAL $17,338,175

Homebuilding $11,047,737 Owner Development $431,018 Volunteer Services $335,895 NR Program $590,289 ReStore $ 1,542,279

$1,270,713 $835,526 $286,500 $ 238,696 $3,606,311

*Other includes: special events, in-kind donations, faith and other organizations, and bequests.

The financial data reported above is summarized based on the audit performed by Armanino, LLP. Copies of the audit report are available at www.habitatgsf.org/finance.

Recognizing Donors LEGEND Key Society Members (Lifetime Giving of $1m +)

LEADERSHIP CIRCLE $250k+ Craig Allison and Susan Shipley Jim and Julia Davidson GS Diller Subsidiary LLC Marin Community Foundation Douglas and Barbara Spreng ARCHITECT’S CIRCLE $100k-$250k Facebook Bob and Nancy Hollister

Ellen Jamason and Giacomo Marini Connie and Bob Lurie Foundation Patrick and Nancy McGaraghan The McMurtry Family Foundation Nancy Murray and James Feuille PG&E Pharmacyclics LLC David and Ruth Plant Laura and Anand Swaminathan

We are hugely grateful for our donors and are delighted to honor them here. In addition to those listed on these pages, we deeply appreciate the thousands of other donors, at all gift levels, and the many who give anonymously. This list acknowledges gifts given between July 1, 2017 and June 30, 2018.

DEVELOPER’S CIRCLE $50k-$99,999 Chan Zuckerberg Initiative Community Fund Paul and Janet Chapman David and Joni Cropper Michael Dorsey and Susan Ford Dorsey Mr. and Mrs. H.I. Grousbeck Habitat for Humanity International— Cars for HomesTM Jeff and Carol Hoopes

Hurlbut-Johnson Charitable Trust Philip Levine and Janet Ramusack Levine Andrew and Judith Ann Mendelsohn Sand Hill Foundation Judy Schumann Solid Rock Foundation Jason Wells and Jenny Koehler Wells Fargo Bank Ann Williams

PILLAR’S CIRCLE $25k-$49,999 Epsilon Bank of America Bloomberg Arnold Champagne Terry and Anne Clark The HRH Foundation Phillip Kilbridge and Kelley Karandjeff Oracle Peery Foundation Matt and Colline Shewey

Swinerton Incorporated The JEC Foundation TMG Partners BUILDER’S CIRCLE $10K-$24,999 Larry Abramson Terry Atkinson and Kathy Taylor Atkinson Foundation Bacchus Management Group LLC Bank of the West

Anna Bartley Hilary and Edmund Billings Boston Private Bank and Trust Stevan D. Bradley Capital One City National Bank Credit Karma Gordon and Carolyn Davidson Dignity Health Dora Donner Ide Core Trust First Republic Bank Gap Inc. Google Inc. William Hu and Jessica Meksaven Rob and Nancy Hollister Jeff and Carol Hoopes Gayle and Michael Ing David Kremer and Marla Miller Tim and Sheryl Lee Kristine Leja and John Cleary Burton and Deedee McMurtry John and Michele McNellis Menlo Church PriceWaterhouseCoopers LLP Prologis David and Jennifer Risher Maureen and Jane Sedonaen Robert and Meryl Selig Amy Skeeters-Behrens Randy Smith Stovall Family Fund Lydia Tan and John Barton The William G. Gilmore Foundation Sandra and John Thompson

Thrivent Financial Valley Presbyterian Church Walton Family Foundation, Inc. Vanessa Washington and Wayne Rowland Zelle Hofmann Voelbel & Mason LLP CARPENTER’S CIRCLE $5K-$9,999 Apple Arthur J. Gallagher & Co. AvalonBay Communities Inc Bank of San Francisco Terri Bullock Cargill Incorporated Chubb Danford Foundation DLA Piper US LLP Bruce and Teresa Downs Rob Feuerman Greg and Penny Gallo Emily Thomann Christian Service Fund Jill Grossman Grosvenor Greg and Sally Hartman Peter Ingram and Yvette Pirie Vicki and Christopher Joseph JP Morgan Chase Foundation Amy Larson Level 10 Construction Wil Levine Thomas J. Lodes Manatt, Phelps, and Phillips LLP

Patrick and Nancy McGaraghan Morrison and Foerster LLP Armand and Eliane Neukermans Niebla Foundation Dennis and Gloria O’Brien Paragon Real Estate Group George and Joan Parker Partner Engineering and Science, Inc. Ronald Perkins and Carol Bruce Pine Cone Lumber Plant Construction Company S.H. Cowell Foundation Salesforce Foundation Kevin and Constance Shanahan Carl and Diane Shannon Shartsis Friese LLP Martin and Lee Ann Shell Anne Snodgrass Susan Spaeth Laurence and Suzanne Spitters Michael and Shauna Stark The Middle Passage Foundation Tishman Speyer Union Bank Don and Anne Vermeil Jeff Weber Searle Whitney Trust Miles Jensen and Jennifer Wilds

MEMBERSHIP CIRCLE $1K-$4,999 ABD Insurance and Financial Services John Adcock Adobe Systems, Inc. AEGON USA Realty Advisors, Inc. Affiliated Engineers, Inc. Anne Alexander Douglas and Loretta Allred Warren Anderson Scott and Amy Arnold Stanley Karp and Catherine Baird George Barrera Joel and Wendy Bartlett Lezlie Beam Linda Bell Jeffrey Bergan Bingham, Osborn & Scarborough Foundation BlackRock Matching Gift Program Lavonne Blasche Christine and Jim Bohar Bernard Brasseur Allan and Marilyn Brown Tina and Oliver Burgelman Jennifer Burgess John Burnett Cahill Contractors Lori Carter Charles Schwab Corporation David and Claudia Chittenden

Amy Christel Cisco Systems John Clark Clark Construction Group, LLC Coda Carol Coffman Community Thrift Store Kenneth and Lynn Cox Charles Scott Cronce and Deborah Carlyle Maxwell Ms. Edith L. Crowe Francis Currie Joshua Curtis Cytokinetics, Inc. Kathleen Danforth Eric and Margaret Davis Kelsey Dent Michael Dewitt Si Diep Digital Realty Trust, L.P. John Dobrowolski Donna Dubinsky John and Marjory Eller Shirley Ely Helen Embree Janet Epstein eScrip Essex Property Trust, Inc. Robert and Martha Falkenberg Rodney Ferguson and Kathleen Egan Seth Ferguson Matt Field First Presbyterian Church of San Mateo

Charles and Binny Fischer Sarah Flanagan Derek and Sally Freyberg Genetech Gilead Sciences, Inc. Giveback Homes John and Barbara Glynn Nancy and Richard Goldcamp Habitat Young Professionals Barbara Hager Stephen Halprin Heidi Hansen and Richard Watkins Kelly Harrington Hathaway Dinwiddie Construction Company Stanley and Monica Hayes Sheldon Herman Allan and Nancy Herzog Harvey and Margaret Hinman David and Cooke Hofele Rick Holmstrom and Kate Ridgeway Rae and Charmaine Holt Howard Properties, Inc. Zachary and Elizabeth Hulsey Iconic Therapeutics, Inc. Ingenio LLC Instagram Richard and Susan Jacobsen David and Patricia Jacobson Andrew and Anne Junius Kaiser Permanente Brian Keyser Brian K Kissel and Elizabeth F Bradley

Andrew and Barbara Klase Linda and Sam Knox Donald and Jill Knuth Betsy Koester Peter Ryan and Danna Kozerski Venkatram Kudiitipudi Andrew and Nancy Lanthier Mrs. Nancy Laxson-Highton Andrew and Janet Lederer Mimi Lee Kristine Leja and John Cleary Sheena Lester Chad Lester Torrey Lincoln Lincoln Financial Foundation, Inc. Lisa and Douglas Goldman Fund LiveRamp Lou and Nilsen Family Fund Jeffrey and Susanne Lyons Neil and Alisa MacAvoy Andrew Mann Rick Mariano and Katherine Feinstein Marin Country Day School Maryann E. Kirchner Family Foundation Robert Mass and Sheila Merritt Mario Mazzola Darlene and Tom McCalmont Arthur and Kay McIntosh McLarney Construction

Charles and Nancy McQuilkin Mechanics Bank Menlo Church, San Mateo Campus Nicholas Dewar and Nicki Michaels Microsoft Dennis Miller and Teri Klein Kristan and Nancy Monsen Sherilyn E. Moody Sally Morton Mark Moser Constance R. Nelson Netflix Jennifer Noland Lester and Blanca Nunez Janine O’Flaherty Erik Ogren Tamar Pachter Pacific American Foundation Jane Paulson John and Lynn Peterson Dameon Philpotts Pinterest Michael Polentz Mr. Blair D. Porteous Chris and Lori Potter Tom and Margi Power Presbyterian Church of Novato Putnam Associates Arthur and Patricia Ravicz Richard B. Reader and Anne Akers Johnson Anne Ream

Andrea Reinhardt Stephen Van Rensselaer Sean Rhea Mr. Ross and Ms. Sullivan John and Catherine Rudolph Mr. Robert Sawyer Jonathan Scharfman Kenneth Schwing Glen and Margaret Seidel Silicon Valley Community Foundation Charles and Maudie Silverman Ashok Singhal and Jeanette Hung SKS Partners, LLC Sliwkowski Family Gift Fund Bryn Smith Shelagh Smith Derek Snyder Jodi Soboll Barbara Sokoloff Sports Basement Catherine Squeri Charles Sullivan and Suzanne Doria TBWB Strategies Jeffrey and Toneh Thompson Tides Foundation Lynn Tolin Tonic Nightlife Group Tulip Graphics Harry and Charlotte Turner Uber Udemy Unison

United Way Stephen Van Dusen Varian Inc. Mark and Teri Vershel Luc Vincent Visa Inc. Kenneth and Bonnie Walter Joseph Wang and Jamie Crocket Wang Richard Warner Katherine Welch Nancy E. Wessels-White Western Union Foundation Karen Y. Whang and Daniel K. Chang James S. Whitehead Ph.D. Malcolm and Julie Whyte Alice and Gene Wilds Craig and Jane Williams Myra Wise Jeff and Jo Wishner John and Martha Woods Woodward Family Foundation Arthur Wydler Peter Young and Tachina Rudman-Young Serena Zhao DONORS $500-$999 Abbvie, Inc. Mike Ackerman Matthew Adams Donna Ames Rosalie Applebaum

Robert Aron and Yvette Young Robert Aveson Virginia Bacon Bain & Co. Barr Charitable Foundation Glenn Basden Allen Baum and Donna White Jessie and Travis Becker Bruce Berardi Inger Bischofberger Donna and Peter Blatman Chelsea Bonini Sharon Bozic William and Cynthia Bradford Braff Family Fund Don Bragg Paul and Evelin Brinich Katherine Brubaker Kathy Bryski Robert and Rita Burgelman Carolyn Burke and Bob Blanchard Tiia Carswell Richard and Phyllis Cassel John and Nancy Cassidy William and Gayle Chan Chevron Catherine Chung Peter Clare James and Jocelyn Colopy Hugh and Laura Cornish Pat and Denise Courtney Yogen and Peggy Dalal Jamie and Carey D’Alessandro William and Sharon Dally

John Denniston Margaret DeStaebler Ed and Della Dobranski David and Barbara Dobrinen Denise Donnelly Robert and Diane Dorricott Will Dorsey Nathan Dunn Susan A. Dunn Rachel Edson Mr. Grant Erickson John and Kristine Erving Craig and Sally Falkenhagen Nancy Fellom Carol and Louis Felthouse First Congregational Church of San Rafael Patricia Frias Betty Frischmann Beverly Fuentes Valerie Gallaher Bonnie and Robert Gerlach Alyce Gershenson Laurel and Anthony Gilbert Michael Gothelf Tim Grant Nicholas Griffin Joe and Barbara Gurkoff Mary and Thomas Haak-Frendscho Myra Haggerty Sam Harold Karen Hart Mitzi Henderson James Henry

Kim Hettena Hewlett Packard Bob and Linda Holtzapple Bonnie and Gary Homan Peter and Suzanne Hooper Nancy Hsieh Impossible Foods Howard and Elisabeth Jaffe Niteen Patkar and Amita Jain Jane Jurkovich Lottie Kendall and Eugene Hogenauer Ogden Kent Donna Kilian Robert and Geraldine Kirchgatter Joseph and Margaret Koman Steven Hurwitz and Shirley Kraus Larry S. Kuechler and Ivon Montes De Oca Linda Lee Alfred Lerner Wolfgang Liebelt Lorbor, Greenfield & Polito, LLP David and Eleanor Louis Mr. Paul Luongo Cyndee Maichle Ann Maier Makena Capital Management Pamela and Mark Mann Jason Mansfield Drew Maran Janet Martin Sophie Martin

Cora McClure Alex McComas Roberta McKinney Kirk McKinney and Eliece Aiman Barbara Meislin Jonathan Meyer Mirnahill Foundation David Pearson and Julie Montanari Henry and Alexia Moore Laura Moraros Melanie Mount Patricia Mullooly Peter Muscat Elizabeth and Kenneth Myers Marcia Nakamura James Naughton Lawrence and Mary Jo Nejasmich Margaret Niven Erik Nolder Duane Northcutt and Monica Lam Kathi O’Leary Pankaj and Seema Shah Family Trust Plant Construction Co. LLP Geoffrey and Jill Parker Monica Phan Duane Phillips James and Alma Phillips Dyan Pike Tamsen Plume Anderson Ms. Margaret Pringle Paula Pritchard

Tanya Quinn Nicholas Raby Gloria Diana Ramos and Ron Greenwald Gregory and Lorene Randich Paul and Barbara Regan Barbara Rice Albert and Roxanne Richards Mary Risley Diane E. Roberts Diana Rosel Kenneth Ross Joel Sacks Kalimah Salahuddin Richard and Jennifer Sargent Richard and Phyllis Schlobohm John and Kathleen Schniedwind Robert and Marjorie Scott Marc Seewall Ali Shamsi and Andrea Leszek Glenn and Lori Shannon MaryAnne Shattuck Victoria Shegoian John Shott James Sinnott and Irena Defischer Richard Slavin Smith NMTC Associates, LLC Jeffry Spencer Eberhard Spiller and Riki Grohmann Tim Steele Robert Stoehr Somchith Stone

John and Colleen Stoxen Cheryl Stults Scott M. Sueoka Susan Sutherland and David Mustelier Rodney and Connie Swanson Symantec Tafapolsky and Smith LLP John and Sharon Tastor Curtis and Christine Taylor Maureen Terris The John and Carry Thacher Family Fund The Ziff Charitable Fund Bill Thompson Catherine Tierney Matthew Torok Ramon True and Leslie Claytor-True Peter Tsai Mary Turner John and Marie Violet Melinda Wagner Gary Walz Peter Weltcheck Westminster Presbyterian Church Sharon and Andrew Wietstock Bruce and Ann Willard Allen and Marilyn Willard Alicia and Amanda Williams Frank Yellin Stacey Yuen Zephyr Real Estate Mark and Mary Lou Zoback Nancy Zucconi

IN-KIND DONORS 10 Speed Press 4505 Barbecue Beach Blanket Babylon Hilary and Edmund Billings Bleacher Report Blue and Gold Fleet Jennifer Burgess Cline Family Cellars CorePower Yoga Creekside Bakery Espetus Facebook Chris Faykus Flight 001 Steven Fox Gloria Ferrer Caves & Vineyards GoGo Squeez Golden State Warriors Google Inc Green Apple Books Hoodslam Inn San Francisco Bed And Breakfast Integrated Design Studio, Inc. Joshua Ets-Hokin Photography David Kremer and Marla Miller Lagunitas Brewing Company Lucky Strike Bowling Marin Coffee Roasters Mary Small Photography Master Class Medlock Ames Estate

Nancy Murray and James Feuille Netflix Olly Elisa Perez-Selsky Philz Coffee PG&E Presidio Golf Club Dennis Raefield Roberts Ranch Vineyard San Francisco 49ers Sean Cope Pictures Seligman Family Trust Sephora SF IndieFest Six Flags Discovery Kingdom Speakeasy SF Sports Basement State Bird Provisions Anand and Laura Swaminathan Target Stores The Dailey Method Tishman Speyer TMG Partners Town Hall Whole Foods Market Williams-Sonoma

Board of Directors David Cropper, Chair Hilary Billings, Vice Chair Jason Wells, Treasurer David Kremer, Secretary Larry Abramson Anna Bartley Julia Davidson Michael Dorsey Rob Feuerman Rob Hollister Jeffrey Hoopes

Will Hu Peter Ingram Dameon Philpotts Tamsen Plume Nicholas Raby Kalimah Salahuddin Carl Shannon Anand Swaminathan Lydia Tan Vanessa Washington

Maureen Sedonaen, CEO Habitat for Humanity Greater San Francisco 500 Washington Street, Suite 250 San Francisco, CA 94111 (415) 625-1000

info@HabitatGSF.org @HabitatGSF HabitatGSF.org

Profile for Habitat for Humanity Greater San Francisco

Habitat for Humanity Greater San Francisco Annual Report 2017-2018  

It is our pleasure to present Habitat for Humanity Greater San Francisco’s annual report for financial year 17/18. In it you will find detai...

Habitat for Humanity Greater San Francisco Annual Report 2017-2018  

It is our pleasure to present Habitat for Humanity Greater San Francisco’s annual report for financial year 17/18. In it you will find detai...

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