2026-02-24T12:09:48-06:00 2025-06-30 410746749 CLIFTONLARSONALLEN LLP 220 S 6TH STREET SUITE 300 MINNEAPOLIS MN 55402 990 2024-07-01 363363171 TWIN CITIES HABITAT FOR HUMANITY TWIN 6512071700 1954 UNIVERSITY AVENUE WEST ST PAUL MN 55104 CHRISTOPHER COLEMAN PRESIDENT/CEO 6512071700 2026-02-18 1 1 ANN NEIL P01817922 6123764500 2026-02-18 2024 2025-03-06 01:10:19Z CHRISTOPHER COLEMAN 1954 UNIVERSITY AVENUE WEST ST PAUL MN 55104 51897886 0 8545 X WWW.TCHABITAT.ORG X 1985 MN TWIN CITIES HABITAT FOR HUMANITY ENGAGES A BROAD NETWORK OF SUPPORTERS AND COMMUNITY MEMBERS TO CREATE, PRESERVE, AND PROMOTE AFFORDABLE HOMEOWNERSHIP IN THE SEVEN-COUNTRY METRO AREA OF MINNEAPOLIS AND ST. PAUL. TWIN CITIES HABITAT IS THE LARGEST AFFORDABLE HOMEOWNERSHIP BUILDER IN THE SEVEN-COUNTY METRO AREA AND IS AN INNOVATIVE LEADER ACROSS HABITAT FOR HUMANITY'S GLOBAL NETWORK. SINCE 1985, TWIN CITIES HABITAT HAS PARTNERED WITH MORE THAN 2,000 FAMILIES TO UNLOCK THE POWER OF HOMEOWNERSHIP. THOUSANDS MORE HAVE STABILIZED AND IMPROVED THEIR HOUSING, FINANCES, AND QUALITY OF LIFE THROUGH OUR PROGRAMS. 30 30 239 10525 526852 0 42931332 28743503 11964807 11919265 969863 268007 271246 738451 56137248 41669226 300000 1420101 0 0 13307994 15101290 0 0 4456175 31091271 37025442 44699265 53546833 11437983 -11877607 122185611 128497867 40893473 58907697 81292138 69590170 X TO CREATE, PRESERVE, AND PROMOTE AFFORDABLE HOMEOWNERSHIP IN THE SEVEN-COUNTY METRO AREA OF MINNEAPOLIS AND ST. PAUL. 0 0 31329554 1420101 11919265 CREATING HOMEOWNERSHIP: LOW- AND MODERATE-INCOME TWIN CITIES FAMILIES PARTNER WITH TWIN CITIES HABITAT FOR HUMANITY TO ACHIEVE STABLE, AFFORDABLE HOMEOWNERSHIP. TC HABITAT BUILDS AND REHABILITATES AFFORDABLE HOMES, AND OFFERS HOMEBUYING PROGRAMS AND SERVICES TO FIRST-TIME HOMEBUYER CLIENTS TO SET EACH UP FOR LONG-TERM SUCCESS THROUGH ONE-ON-ONE FINANCIAL COACHING, TRAINING COURSES, POST-PURCHASE SUPPORT, AND AN AFFORDABLE MORTGAGE THROUGH OUR SUBSIDIARY COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION , TCHFH LENDING, INC. PHILANTHROPIC DONATIONS AND OTHER SUPPORT ENSURE THE MORTGAGE IS AFFORDABLE FOR THE HOMEBUYER. TC HABITAT WORKS WITH HOMEBUYERS AND HOMEOWNERS OF ALL BACKGROUNDS ACROSS THE TWIN CITIES 7-COUNTY METRO. ELIGIBILITY REQUIREMENTS VARY BY PROGRAM, WITH A FOCUS ON SUPPORTING CLIENTS WHO EARN LESS THAN 80% OF AREA MEDIAN INCOME. TC HABITAT IS AN EQUAL OPPORTUNITY EMPLOYER AND EQUAL HOUSING LENDER. MORE THAN 2,000 FAMILIES HAVE PURCHASED HOMES SINCE 1985. IN FY 2025, 455 FAMILIES/HOUSEHOLDS PARTICIPATED IN THE FIRST TIME HOMEBUYER PROGRAM. 120 FAMILIES WHO ACHIEVED HOMEOWNERSHIP, 53 HOUSEHOLDS WHO GRADUATED FROM FINANCIAL COACHING, AND 223 INDIVIDUAL WHO COMPLETED HOMEBUYER EDUCATION. THE ANNUAL FORECLOSURE RATE IS UNDER 1% THANKS TO DILIGENT WORK IN PREPARING FAMILIES AND PROVIDING POST-PURCHASE SUPPORT. 6203374 0 0 FINANCING HOMEOWNERSHIP: LONG-TERM MORTGAGE FINANCING IS A KEY COMPONENT THAT MAKES HOMEOWNERSHIP WITH TC HABITAT SUCCESSFUL. HABITAT BUILT OR REPAIRED HOMES ARE SOLD TO ELIGIBLE PARTNER FAMILIES. CLIENTS MAY ALSO CHOOSE TO FIND A HOME ON THE OPEN MARKET AND ACCESS AFFORDABLE HOME FINANCING THROUGH TCHFH LENDING INC., FOR DOWN PAYMENT, CLOSING COST ASSISTANCE, AND AN AFFORDABLE TRUEPATH MORTGAGE THAT ENSURES HOUSEHOLDS PAY NO MORE THAN 30% OF THEIR MONTHLY INCOME TOWARD HOUSING COSTS. IN FY 2025, 113 CLIENTS ACCESSED MORTGAGE FINANCING THROUGH TCHFH LENDING, INC. 778183 0 0 COMMUNITY ENGAGEMENT: TCHFH BRINGS TOGETHER A BROAD RANGE OF COMMUNITY VOLUNTEERS, SUPPORTERS, ADVOCATES, AND PARTNERS TO HELP CREATE, PRESERVE, AND PROMOTE AFFORDABLE HOMEOWNERSHIP. IN FY 2025 ABOUT 10,525 VOLUNTEERS GAVE A TOTAL OF 146,775 HOURS ON HABITAT BUILD SITES, HOME REPAIR PROJECTS, AT RESTORE OUTLETS, FOR ADVOCACY EFFORTS, AND MORE. ADDITIONALLY, 41 AMERICORPS MEMBERS SERVED MORE THAN 15,715 HOURS TO ADVANCE THE MISSION. 6266647 0 0 OTHER PROGRAM SERVICES: TC HABITAT AND ITS CDFI TCHFH LENDING, INC. USE DOWN PAYMENT ASSISTANCE SUPPORT TO HOMEBUYERS BY PARTICIPATING IN TWO REGION-WIDE DOWN PAYMENT ASSISTANCE PROGRAMS. CLIENTS OUTSIDE OF THE TC HABITAT HOMEOWNERSHIP PROGRAM RECEIVED DPA SUPPORT IN THE FORM OF FORGIVALBE AND REPAYABLE LOANS, AND POST-PURCHASE COACHING AND SAVINGS SUBSIDIES. THROUGH THESE PROGRAMS, 152 ADDITIONAL FIRST-TIME HOMEBUYERS WERE SUPPORTED IN PURCHASING THEIR FIRST HOME. PRESERVING HOMEOWNERSHIP FOCUSES ON HELPING EXISTING HOMEOWNERS REMAIN IN THEIR HOMES. A BRUSH WITH KINDNESS PROVIDES PAINTING AND HOME REPAIR SERVICES TO QUALIFYING LOW-INCOME HOMEOWNERS STRUGGLING TO MAINTAIN THEIR HOMES. PRIORITY IS GIVEN TO AGING HOMEOWNERS, VETERANS, THOSE WITH DISABILITIES, AND SINGLE PARENTS. A BRUSH WITH KINDNESS PARTNERED WITH 20 LOCAL HOMEOWNERS IN FY 2025. MORE THAN 2,000 PAINT AND REPAIR PROJECTS HAVE BEEN COMPLETED SINCE A BRUSH WITH KINDNESS WAS STARTED IN 1998. TC HABITAT ALSO PRESERVES HOMEOWNERSHIP THROUGH A MORTGAGE FORECLOSURE PREVENTION PROGRAM. THE PROGRAM SERVES HOMEOWNERS FACING FORECLOSURE BY PROVIDING HUD-CERTIFIED FORECLOSURE COUNSELING SUPPORT, FREE FINANCIAL REVIEWS AND REFERRALS. IT PUTS HOMEOWNERS ON A PATH TOWARD HOUSING AND FINANCIAL STABILITY. 140 CLIENTS RECEIVED MORTGAGE FORECLOSURE COUNSELING THROUGH THIS PROGRAM IN FY 2025. 6266647 0 0 44577758 1 1 0 1 0 0 0 0 0 1 1 0 0 1 1 1 0 1 0 0 0 0 0 0 1 0 0 1 0 1 0 0 0 0 0 0 0 0 1 0 0 0 0 1 1 1 0 0 1 X 95 0 1 239 1 1 1 0 0 0 0 1 1 0 0 0 0 0 0 X 30 30 0 0 0 0 0 0 0 1 1 0 1 1 1 1 1 1 1 1 1 1 0 MN X X ELIZABETH FARRELL 6512071700 1954 UNIVERSITY AVENUE ST PAUL MN 55104 TONY BARRANCO BOARD CHAIR 1.00 0.00 X X 0 0 0 LAURA CROSBY VICE CHAIR 1.00 0.00 X X 0 0 0 JIM MULROONEY TREASURER 1.00 0.50 X X 0 0 0 LARA KOZA SECRETARY 1.00 0.00 X X 0 0 0 NASH SHAIKH PAST CHAIR 1.00 0.00 X X 0 0 0 JEFF HAYDEN DIRECTOR 1.00 0.00 X 0 0 0 TARA NORGARD DIRECTOR 1.00 0.00 X 0 0 0 STEVE ALBRECHT DIRECTOR 1.00 0.00 X 0 0 0 BRIAN DURMASKIN DIRECTOR 1.00 0.00 X 0 0 0 JAMIE MCMCARTHY DIRECTOR 1.00 0.00 X 0 0 0 GODSON SOWAH DIRECTOR 1.00 0.00 X 0 0 0 CECELIA STANTON ADAMS DIRECTOR 1.00 0.00 X 0 0 0 DELINDA WASHINGTON DIRECTOR 1.00 0.50 X 0 0 0 MARK COPMAN DIRECTOR 1.00 0.00 X 0 0 0 NICKI DONLON DIRECTOR 1.00 0.00 X 0 0 0 CHARLIE GROSSMAN DIRECTOR 1.00 0.00 X 0 0 0 BRENDAN JOHNSON DIRECTOR 1.00 0.00 X 0 0 0 KENYA MCKNIGHT AHAD DIRECTOR 1.00 0.50 X 0 0 0 RICH RUBENSTEIN DIRECTOR 1.00 0.00 X 0 0 0 DEAN WAHLIN DIRECTOR 1.00 0.00 X 0 0 0 ANNE BEHRENDT DIRECTOR 1.00 0.50 X 0 0 0 BRANDON BERG DIRECTOR 1.00 0.00 X 0 0 0 SCOTT HIETPAS DIRECTOR 1.00 0.50 X 0 0 0 RALPH PACE DIRECTOR 1.00 0.00 X 0 0 0 BRUCE PARADIS DIRECTOR 1.00 0.50 X 0 0 0 LAURA REED DIRECTOR 1.00 0.00 X 0 0 0 ERIC SKALLAND DIRECTOR 1.00 0.00 X 0 0 0 PAUL DELAHUNT DIRECTOR 1.00 0.00 X 0 0 0 KEIKO SUGISAKA DIRECTOR 1.00 0.00 X 0 0 0 LOU CRISTAN DIRECTOR 1.00 0.00 X 0 0 0 TARIQ MALIK DIRECTOR 1.00 0.00 X 0 0 0 JONATHON SAGE-MARTINSON DIRECTOR 1.00 0.50 X 0 0 0 KATE SHIBILSKI DIRECTOR 1.00 0.00 X 0 0 0 CHRISTOPHER COLEMAN PRESIDENT 40.00 0.00 X 382449 0 64895 CECILE BEDOR CHIEF REAL ESTATE OFFICER 40.00 0.00 X 194881 0 35105 ROBYN AILEEN BIPES-TIMM CHIEF STRATEGY & OPERATIONS OFFICER 34.00 6.00 X 283554 0 69062 CATHERINE LAWRENCE CHIEF OF STAFF (THRU 04/01/25) 40.00 0.00 X 248110 0 54437 SHEREESE TURNER CHIEF PROGRAM OFFICER 40.00 0.00 X 190043 0 51560 ELIZABETH MILLS VP OF FINANCE AND LENDING 24.00 16.00 X 153388 0 55433 WILLIAM KIRCHGESSNER VP OF FIELD OPERATIONS 40.00 0.00 X 177982 0 53953 KATHLEEN LOE VP OF RESOURCE DEVELOPMENT 40.00 0.00 X 171601 0 51321 MELISSA SCHMIDT DIRECTOR OF HUMAN RESOURCES 40.00 0.00 X 132100 0 48851 BENJAMIN POST VP STRATEGY AND IMPACT 40.00 0.00 X 122279 0 50082 2056387 0 534699 21 0 1 0 DSP HOMES LLC 7803 GLENROY ROAD SUITE 200 MINNEAPOLIS MN 55439 CONSTRUCTION 7567551 FLANNERY CONSTRUCTION INC 1375 SAINT ANTHONY AVE SAINT PAUL MN 55104 CONSTRUCTION 763479 4FRONTENERGY 3230 GORHAM AVE SUITE 1 ST LOUIS PARK MN 55426 ELECTRICAL 292769 CENTRAL ROOFING COMPANY 4550 MAIN ST NE MINNEAPOLIS MN 55421 ROOFING 266191 BINDER HEATING & AIR CONDITIONING INC 222 HARDMAN AVE N SOUTH ST PAUL MN 55075 HVAC 215044 10 828086 7398622 20516795 5036937 28743503 HOME SALES 531390 10453163 10453163 MORTGAGE AMORTIZATION 522292 1448196 1448196 HOME REPAIR 811000 17906 17906 11919265 264107 264107 12642 10317 2325 2325 2325 3900 0 3900 3900 3900 92900 828086 502478 -409578 -409578 10242717 9715865 526852 526852 MISCELLANEOUS REVENUE 900099 618852 618852 618852 41669226 11919265 526852 479606 1420101 1420101 1455321 580670 481645 393006 10299304 6413245 2064123 1821936 324244 192655 67988 63601 2197331 1429871 372252 395208 825090 499606 171723 153761 6408 5168 1117 123 105525 105525 24750 18750 6000 1447496 749152 384444 313900 2942402 1861666 205936 874800 940202 754313 161196 24693 839476 690894 71726 76856 752482 412101 248127 92254 1570261 1570261 445479 330692 49551 65236 579565 439586 60426 79553 COST OF HOMES SOLD 22348290 22347880 177 233 AFFORDABILITY GAP 4485099 4485099 MISCELLANEOUS EXPENSE 376413 309837 30725 35851 LOAN SERVICING 161594 66211 36219 59164 53546833 44577758 4512900 4456175 15009952 3294590 1057973 9346686 16712691 3974978 612317 807432 33485757 37738701 31356045 42300570 1196255 2257187 13186288 5271728 7851212 7914560 10751212 9960661 4152197 10902502 122185611 128497867 2716701 5642483 4941838 1229180 28362857 38410380 3507984 6398011 1364093 7227643 40893473 58907697 X 59669272 56160713 21622866 13429457 81292138 69590170 122185611 128497867 -11877607 175639 0 X 0 1 X 1 1 1 X 19110296 30316587 27869261 43041952 28743503 149081599 19110296 30316587 27869261 43041952 28743503 149081599 32262594 116819005 332951 46884 543164 1152053 276749 2351801 103772 885824 831576 314470 618852 2754494 154187894 82700041 0.75760 0.72780 X SCHEDULE A, PART II, LINE 10, EXPLANATION OF OTHER INCOME: MISCELLANEOUS REVENUE - 2020 AMOUNT: $ 103,772. 2021 AMOUNT: $ 146,776. 2022 AMOUNT: $ 119,502. 2023 AMOUNT: $ 229,320. 2024 AMOUNT: $ 618,852. FUNDRAISING EVENTS - 2021 AMOUNT: $ 739,048. 2022 AMOUNT: $ 712,074. 2023 AMOUNT: $ 85,150. 2024 AMOUNT: $ 0. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED X X 1000000 1000000 1000000 1000000 4000000 6000000 46960 59955 47143 54858 208916 250000 250000 250000 250000 1000000 1500000 27519 31240 24610 28211 111580 1651269 178895 1830164 1492422 158847 1651269 1374584 117838 1492422 1582991 -208407 1374584 1263495 31696 287800 1582991 0.00000 1.00000 0.00000 0 0 1598545 1598545 8509144 3294310 5214834 2790521 1977418 813103 288078 288078 7914560 LAND HELD IN TRUST 3819633 ROU ASSET 7082869 10902502 LEASE LIABILITY 7227643 7227643 X PART V, LINE 4: THE ORGANIZATION MAINTAINS AN ENDOWMENT TO PROVIDE OPERATING SUPPORT TO ITS PROGRAMS. PART X, LINE 2: THE ORGANIZATION AND TCHFH LENDING, INC. HAVE EXEMPT STATUS RELATIVE TO FEDERAL AND MINNESOTA CORPORATE INCOME TAXES UNDER INTERNAL REVENUE CODE SECTION 501(C)(3) AND APPLICABLE STATE STATUTES. THE ORGANIZATION IS NOT A PRIVATE FOUNDATION AND CONTRIBUTIONS TO THE ORGANIZATION QUALIFY AS CHARITABLE TAX DEDUCTIONS BY THE CONTRIBUTOR. TCHFH LENDING, INC. IS A SUPPORTING ORGANIZATION OF THE ORGANIZATION. THE ORGANIZATION FOLLOWS THE ACCOUNTING STANDARDS FOR CONTINGENCIES IN EVALUATING UNCERTAIN TAX POSITIONS. THIS GUIDANCE PRESCRIBES RECOGNITION THRESHOLD PRINCIPLES FOR THE CONSOLIDATED FINANCIAL STATEMENT RECOGNITION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN ON A TAX RETURN THAT ARE NOT CERTAIN TO BE REALIZED. NO LIABILITY HAS BEEN RECOGNIZED BY THE ORGANIZATION AS A RESULT OF THE IMPLEMENTATION OF THIS STANDARD. THE ORGANIZATION'S RETURNS ARE SUBJECT TO REVIEW AND EXAMINATION BY FEDERAL AND STATE AUTHORITIES. HARD HAT DINNER 708946 640921 68025 116187 350 195971 112650 RAISE THE ROOF GOLF EVENT 212040 187165 24875 6905 42577 5116 1 1584 14732 6406 920986 828086 92900 123092 44511 210703 124172 502478 -409578 1 HABITAT FOR HUMANITY INTERNATIONAL INC 330 9TH STREET MARYSVILLE CA 95901 680301692 501(C)(3) 320000 0 HOME BUILDING SUPPORT SENT THROUGH HABITAT FOR HUMANITY INTERNATIONAL TCHFH LENDING INC 1954 UNIVERSITY AVENUE WEST SAINT PAUL MN 55104 811958719 501(C)(3) 1100101 0 GENERAL OPERATIONS 2 0 PART I, LINE 2: TWIN CITIES HABITAT FOR HUMANITY, INC. USES AN APPLICATION PROCESS TO DETERMINE THE PROCESS, AMOUNT, AND ALIGNMENT. THE GRANTS FUNDED ARE THEN MONITORED THROUGH AN INTERNAL TRACKING. X X X X X X 0 0 0 0 0 0 0 0 0 CHRISTOPHER COLEMAN PRESIDENT 382449 0 0 0 0 0 12352 0 52543 0 447344 0 0 0 ROBYN AILEEN BIPES-TIMM CHIEF STRATEGY & OPERATIONS OFFICER 283554 0 0 0 0 0 11342 0 57720 0 352616 0 0 0 CATHERINE LAWRENCE CHIEF OF STAFF (THRU 04/01/25) 248110 0 0 0 0 0 8762 0 45675 0 302547 0 0 0 SHEREESE TURNER CHIEF PROGRAM OFFICER 190043 0 0 0 0 0 7602 0 43958 0 241603 0 0 0 WILLIAM KIRCHGESSNER VP OF FIELD OPERATIONS 177982 0 0 0 0 0 7119 0 46834 0 231935 0 0 0 CECILE BEDOR CHIEF REAL ESTATE OFFICER 194881 0 0 0 0 0 0 0 35105 0 229986 0 0 0 KATHLEEN LOE VP OF RESOURCE DEVELOPMENT 171601 0 0 0 0 0 6864 0 44457 0 222922 0 0 0 ELIZABETH MILLS VP OF FINANCE AND LENDING 153388 0 0 0 0 0 6136 0 49297 0 208821 0 0 0 MELISSA SCHMIDT DIRECTOR OF HUMAN RESOURCES 132100 0 0 0 0 0 5284 0 43567 0 180951 0 0 0 BENJAMIN POST VP STRATEGY AND IMPACT 122279 0 0 0 0 0 4891 0 45191 0 172361 0 0 0 X 7 1127764 APPRAISAL X TOOLS AND EQUIPMENT 195 3796703 FAIR MARKET VALUE X EVENTS 183 112470 FAIR MARKET VALUE 0 0 1 1 PART I, COLUMN (B): COLUMN (B) REPRESENTS THE NUMBER OF CONTRIBUTIONS. PART I, LINE 32B: HABITAT FOR HUMANITY INTERNATIONAL RECEIVES AND SELLS DONATED CARS FOR TWIN CITIES HABITAT FOR HUMANITY, INC. FORM 990, PART V, LINE 2A: THE NUMBER OF EMPLOYEES REPORTED ON FORM W-3 REPRESENTS EMPLOYEES FROM THE FOLLOWING ENTITIES TWIN CITIES HABITAT FOR HUMANITY (211), TCHFH LENDING INC. (12), AND HABITAT FOR HUMANITY OF MINNESOTA INC (16). TWIN CITIES HABITAT FOR HUMANITY HAS A SHARED SERVICES AGREEMENT WITH TCHFH LENDING INC. AND HABITAT FOR HUMANITY OF MINNESOTA INC TO ADMINISTER PAYROLL, WHICH INCLUDES PROCESSING AND ISSUING W-2'S TO EMPLOYEES. FORM 990, PART VI, SECTION A, LINE 1A THE EXECUTIVE COMMITTEE SHALL CONSIST OF THE PRESIDENT, SECRETARY, TREASURER, CHAIR OF THE BOARD AND VICE CHAIR OF THE BOARD. THE EXECUTIVE COMMITTEE MAY RECOMMEND ACTIONS TO THE BOARD OF DIRECTORS BUT MAY NOT BY ITSELF TAKE ACTION ON BEHALF OF THE CORPORATION, EXCEPT TO THE EXTENT THE BOARD OF DIRECTORS EXPRESSLY DELEGATES SUCH AUTHORITY TO THE EXECUTIVE COMMITTEE. IN THE EVENT THAT THE EXECUTIVE COMMITTEE DETERMINES THAT AN ACTION NEEDS TO BE TAKEN BEFORE THE NEXT REGULARLY-SCHEDULED BOARD MEETING, THE CHAIR OF THE BOARD SHALL CALL A SPECIAL MEETING OF THE BOARD OR TAKE STEPS TO HAVE AN ACTION WITHOUT A MEETING. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED BY AN INDEPENDENT PUBLIC ACCOUNTING FIRM AND A DETAILED REVIEW IS CONDUCTED BY MANAGEMENT. THE FORM 990 IS FIRST REVIEWED AND APPROVED BY THE FINANCE COMMITTEE, AND THEN THE PUBLIC INSPECTION COPY IS FORWARDED ON TO THE BOARD OF DIRECTORS FOR FINAL APPROVAL BEFORE FILING. FORM 990, PART VI, SECTION B, LINE 12C MONITORING AND REPORTING BOARD OF DIRECTOR AND KEY EMPLOYEE CONFLICTS ARE DESCRIBED IN THE GOVERNING DOCUMENTS, REVIEWED IN INITIAL TRAINING, UPDATED ANNUALLY AND KNOWN BY OTHER MEMBERS. PROTOCOL FOR CONFLICTED VOTES OR DECISIONS IS PROVIDED IN GOVERNING DOCUMENTS AND USED IN MEETINGS. CONFLICTED DECISIONS AT THE BOARD LEVEL REQUIRES ANNOUNCEMENT OF THE CONFLICT AND WITHDRAWAL FROM VOTING ON THE ISSUE. IF THE CONFLICT IS SIGNIFICANT, THE MEMBER WILL BE ASKED TO LEAVE THE MEETING DURING DISCUSSIONS. AT THE STAFF LEVEL, CONFLICTS ARE IDENTIFIED VIA CONFLICT STATEMENTS PROVIDED UPON EMPLOYMENT AND REGULARLY UPDATED. NOTICE IS GIVEN TO THE SUPERVISOR OF POSSIBLE CONFLICT ACTIVITIES. SIGNIFICANT OR COMPLEX CONFLICTS ARE EXAMINED AND RESOLVED BY THE EXECUTIVE STAFF. OPERATING DECISIONS WHICH ARE CONFLICTED ARE MADE BY STAFF SENIOR TO THE PARTY INVOLVED. ALL PROCEEDINGS ARE DOCUMENTED IN THE MEETING MINUTES OR AS OTHERWISE APPROPRIATE. FORM 990, PART VI, SECTION B, LINE 15 ANNUALLY, A COMPETITIVE MARKET ANALYSIS IS COMPLETED BY AN OUTSIDE CONSULTANT WHICH INCLUDES A CROSS SECTION OF TWIN CITIES HABITAT'S STAFF AND LEADERSHIP POSITIONS, INCLUDING C-LEVEL POSITIONS. THE SALARY FOR THE PRESIDENT IS INFORMED BY THIS ANALYSIS AND DETERMINED THROUGH ALIGNMENT WITH OTHER C-LEVEL SALARIES OF THE ORGANIZATION. IT IS THEN SUBMITTED TO THE BOARD FOR REVIEW AND APPROVAL, THIS PROCESS WAS LAST COMPLETED IN 2025. COMPENSATION FOR POSITIONS BELOW THE CEO LEVEL WERE REVIEWED AND APPROVED BY THE CEO AS PART OF THE OVERALL BUDGET PROCESS. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. FINANCIAL STATEMENTS ARE ALSO AVAILABLE ON THE ORGANIZATION'S WEBSITE. HABITAT HEIGHTS LLC 1954 UNIVERSITY AVENUE ST PAUL MN 55104 934775408 RAISE FUNDS AND CONSTRUCT HOMES MN 3200765 28668277 TWIN CITIES HABITAT FOR HUMANITY INC TCHFH LENDING INC 1954 UNIVERSITY AVENUE WEST ST PAUL MN 55104 811958719 MORTGAGE LENDING MN 501(C)(3) LINE 12A, I TWIN CITIES HABITAT FOR HUMANITY INC 1 0 1 0 1 0 0 0 0 0 0 1 1 1 1 1 0 0 1 0 TCHFH LENDING INC O 1224793 ACTUAL COMPENSATION EXPENSE TCHFH LENDING INC B 1100101 GRANT TCHFH LENDING INC L 115266 MANAGEMENT FEE PAID