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2025 REPORTINCLUDING 2023-2024 FINANCIALS

Our 2023-2024 fiscal year marked the 39th anniversary of Habitat for Humanity Tampa Bay Gulfside. Thanks to your support, hundreds of homeowner partners have had the opportunity to improve their housing situations through a zero-percent interest mortgage, providing a safe and aordable place to live for years to come. Through the commitment of our Habitat homeownership partners, board of directors, volunteers, donors and sta, our aliate was able to make a deep impact in Pinellas, West Pasco, and Hernando Counties this past fiscal year:• In April 2024, Habitat for Humanity International selected Habitat for Humanity of Pinellas and West Pasco Counties to expand its service area to include Hernando County and rebrands to Habitat Tampa Bay Gulfside.• We made the dicult decision to close our ReStore operations to be singularly focused on the homeownership program to address the need for aordable homeownership in our community.• 81 homes completed in the 2023-24 fiscal year.• More than 44,000 volunteer hours helped construct these homes.• Celebrated our 900th home dedication milestone in June 2024 with the Jones family in the Ridgecrest community in Largo.• Received a Four-Star Charity Navigator rating and the GuideStar Platinum Seal of Transparency, which is the highest level of transparency.• Partnerships were continued with Feeding Tampa Bay, Kids Pedal Power, General Federation of Women’s Clubs, and other organizations in our community to make a greater impact on the families we serve.• Aliate leadership raised minimum pay to $20 an hour for all employees.This year marks our organization’s 40th anniversary, and later this year we will celebrate the construction of our 1,000th home in the community. It’s an exciting time as we help individuals and families achieve the dream of aordable homeownership and build intergenerational wealth.We thank you for continuing to support Habitat through your generous donation of time, talent and treasure.In partnership, Mike SuttonPresident & CEOHeather FordBoard Chair2A MESSAGE FROM THE BOARD CHAIR & CEO

board of directorsHeather Ford, Board ChairChief Financial Ocer, Power DesignFrank Starkey, Vice ChairmanPresident, People Places, LLCChristopher Hackney, SecretaryPresident, SBA & USDA, BayFirst BankKen Ginel, TreasurerEVP, CFO & Treasurer, Raymond James BankChris Majeski, Executive CommitteeSVP, Head of Private Client Group Supervision, Raymond JamesIan Peterson, Executive CommitteeFounder & CEO, Dialed in Golf SolutionsLynn Skelton, Executive CommitteeOwner, ProSource of Port RicheyCarolina ConnerReal Estate Broker Associate, Premier Sotheby’s InternationalTamara DeBoseClient Specialist, FIS GlobalDavisha EarleyRN, BSNCaprice EdmondPinellas County School Board MemberBobby Ginn Jr.Senior Vice President, Tampa General HospitalIris GonzalezFounder/Principal, Links-G ConsultingAshley HofeckerPresident & CEO, Greater Hernando County Chamber of CommerceJim KirkpatrickFlorida Market President, Republic BankDanielle MauckVP of Sponsored Programs & Research, BayCare Health SystemAmber OkoyeFounder & CEO, Rubicon International LLCCharlie RogersCommunity VolunteerMika RotundaRealtor, Heart of Florida RealtyJason RussekManaging Senior VP, Market President West Florida, City National BankBruce TerwilligerOwner, Terwilliger Brothers’ ResidentialJohn ThieleSenior Manager, Business Performance Corporate Services of AMGEN, Inc.Marilyn TurmanBusiness Consultant at InSource Consulting, LLCHeidi Tuttle-BeisnerLicensed Commercial Real Estate Broker/Owner of Commercial Asset Partners RealtyKen WickerCEO, HCA Florida Oak Hill Hospitalyear in review3

building homes, communities and hope___Habitat served 81 families in the2023-24 fiscal year. Hard work and generosity made it possible for these homeowners to have something that most of us take for granted—peace of mind and a stable place to thrive.A hand up, not a handout. Habitat homeowners work hard; they don’t askfor handouts. Homeowner candidates must demonstrate:• A housing need• Ability to pay a mortgage• Willingness to partner with HabitatAt the end of each homeowner’s journey they have put in at least 350 hours of “sweat equity”, made a modest down payment, and received a zero-interest mortgage. Our homeowners are physically and financially invested in their homes and are set on the right path toward responsible homeownership. The homeowner classes they are required to complete as part of their covenant with Habitat provide them with the tools to be successful homeowners and contributing citizens in their local communities.In Florida, 2.4 million households spend 30% or more of their income on housing. With help from our supporters, we can make the cost of home aordable for everyone. People are often surprised by how much impact their donation makes.Even the smallest donations can make a big dierence, and our supporters know their money is going to a good cause.Habitat Tampa Bay Gulfside received a Four-Star rating from Charity Navigator and the GuideStar Platinum Seal of Transparency. The Platinum Seal is the highest level of transparency, which means you can trust we are being responsible with your donations. Habitat’s homeownership program benefits our community:• Revitalizes neighborhoods• Increases the tax base• Encourages volunteerism• Removes substandard housing• Provides employment for subcontractorsour strategic pillars4

2023 - 2024financial reporttotal revenue$37,004,938 total expenses $32,473,935 transfers to homeowners - 67%$24,799,349total contributions - 26%$9,605,749restore sales - 2%$802,795fundraising events - 2%$731,483total program - 95%$30,980,970 fundraising - 3%$831,962 general & admin - 2%$661,003 5other - 3%$1,065,562

building thehomeownershiptoolboxwelcome home!joining thehabitat familythe final lapfrom dream to homeownershipWarranty ClassInsurance ClassFinancial Education 3Mortgage DocumentsHow to be a Homeownerengaging withthe communityhabitat hopefulsPre-Habitat BudgetingPre-Habitat CreditWelcome to HabitatBudgeting 101How to be a HomeownerCandidateHabitat AmbassadorsFinancial Education 2HUD Certification Home Maintenance 1 Home Maintenance 2Home Maintenance 3On-Site MaintenanceEnergy Conservation Being a Good NeighborFire SafetyHands-On CPRTree & Landscaping ClassBudgeting Best PracticesHomesteading, PropertyTaxes, and YouTopics in ConstructionGovernment & YouDesign on a DimeEmergency Preparedness Healthy HabitsLive Your Best Life Principles of LeadershipThe Playhouse: How to be aHabitat KidThe Clubhouse: How to be aHabitat TeenNuts & BoltsWell & Septic Info SessionTownhome HOA EssentialsSmart Shoppingapply81homes builtglobally681homes builtlocallyHabitat’s program addresses the core of poverty by oering a person of lower income a chance to help themselves. Although everyone thinks of houses when they think of Habitat, the educational component truly is the cornerstone of the program.Through this program, the lives of many local families are changed. Once accepted into the program, each homeowner candidate attends 38 educational classes that prepare them to become a lifelong homeowner. Successful candidates will achieve new home buying knowledge through financial literacy, home maintenance and much more. Habitat prepares them before they become a homeowner so they can maintain a lifetime of homeownership and self-suciency.7.1Keducation hours completedhabitat education timelineeducation is the cornerstone of the habitat program

I am building because I want better for my kids and I. I’m eager to break generational barriers and give my kids a better life than I had.”In June 2024, Xavier Jones and his three children achieved the dream of homeownership by becoming Habitat Tampa Bay Gulfside’s 900th homeowner partner. Habitat’s 900th home was built on Gooden Crossing which is located in the historic Dansville-Ridgecrest community in Largo.Xavier is a Spray Tech for Pinellas County and he and his two daughters, Xanae and Xaviah, and his son, Xavier Jr., are a very tight-knit family. “I’m very family oriented and spending time with my kids every day is something that I’m real big on,” Xavier explains. “My mom was a single parent so I know how it feels to not have the other parent present. That alone pushes me to be the best father I can be to my children.”When Xavier was first accepted into the Habitat program he felt overwhelmed with excitement. “I knew this was going to be a big deal for me and my family and also set me up for success and more stability for us. Such a huge blessing!”“Earning sweat equity and working on build sites is one of the best things about this program. You learn a lot from working on the sites and being hands on in the process of building your home. You’re also helping someone else achieve their dream while working towards your own.”The Jones Family home dedication took place in front of over 200 supporters on June 21st, 2024. Xavier and his children received a warm welcome from the Oce of U.S. Senator Marco Rubio, a proclamation from Pinellas County Commissioner Charlie Justice and his fellow commissioners, and was presented a $1,500 scholarship to continue his education at St. Petersburg College.“I want to thank my children,” Xavier said during his dedication speech, his voice beginning to crack with emotion. “I am glad that during these last 16 months you were able to see what it means to make sacrifices, what it means to be disciplined, and what it means to work hard for whatever you want out of life.”the jones familyhomeowner bio

donatepartners making homeownership dreams come true8Bank PartnersCity of Clearwater City of Dunedin City of LargoCity of New Port RicheyMunicipality Partners City of Pinellas ParkCity of Safety HarborCity of St. PetersburgCity of Tarpon Springs Hernando CountyPinellas County Pasco CountyWestCMR Supports New Multi-Family Townhome DevelopmentIn December 2023, WestCMR made a generous donation of $100,000 towards one of Habitat’s new multi-family townhome developments, Longlake Preserve. The Longlake development will soon be home to 54 Habitat Homeowners over the next few years. This gift was instrumental in helping fund the first phase of construction and an inspiration for other organizations to make gifts towards this project.Ken RushKen Rush, Former Chief of Operations, was honored for his 17+ years of dedication and service to our mission. Ken came to Habitat in July 2006 as a member of our construction team. Ken held multiple roles and oversaw many dierent departments over the years. The 740+ families that have become homeowners during his time is a significant impact and legacy he has left on our aliate.2024 Norm Bungard Lifetime Achievement Award

Bank of America - Bank of America FoundationCrown AutomotiveDan and Carolyn StowersFrank and Marian WagnerHabitat for Humanity of Florida Mortgage Settlement FundsHSNLokey Automotive Group MacKenzie ScottPinellas County Board of County CommissionersPublix - Publix Super Markets Charities Raymond James BankRaymond James Financial, Inc.The Valspar Championship and Copperhead CharitiesWells Fargo - Wells Fargo Foundation lifetime givingas of the 2023-2024 fiscal year$1,000,000 and up$999,999 - $500,000$499,999 - $250,000$249,999 - $100,000Arthur Family FoundationBankers Financial CorporationBankers Insurance Group IncCity of St. PetersburgClearwater ToyotaDuke EnergyEverBankFrenchy’s RestaurantsHMC Hospitality Group (Formerly Hooters Management Corp.)Hough Family Foundation Kane’s FurnitureMaintenXMarineMaxMid-Atlantic Finance CompanyPower DesignThrivent Financial Catalina Marketing Charitable FoundationCity of ClearwaterCity of LargoDana Beck Fancher FoundationDavid GlynnEllMar Foundation Inc.Fishman Family Foundation and Jerey and Brandy Fishman 400 Beach Seafood and Tap HouseAbe MoussaAbe’s Place Tap & GrillArthur and Robert DonnellanBanning Lumber and Millwork and Marc and Terry BanningBill Van LawBruce K. TerwilligerCarlos and Beverly Yepes CEO Build SponsorsChapman Family FoundationChas O’HaraClearwater Gas Systems, Inc.Coca-Cola Beverages Florida, LLCCoee and ContractsCollins Charitable FoundationCommunity Foundation of Tampa BayDavid and Nancy RidenourDebbi and Mike YoungDonal McleanFirst Baptist Church of St. PetersburgFlorida Forest Products and Rick and Katrina CashmanGeorge and Mary MartinGeorge F. RoweIberia BankIvon and Jane Culver Charitable TrustJames Workman and Jean KendraJe and Judy MitchellKAM Roofing Services9America IIAmerisure Insurance CompanyAnona United Methodist ChurchArk Royal Insurance Armortech Windows and DoorsBayFirst BankBetsy SchweitzerBill Brand and Chris NolteBlake and Linda GallBloomin’ BrandsBrandon and Christian Brayboy and Lakeland LiquidationCaterine MacDonald$99,999 - $50,000The support of the community is crucial to Habitat’s mission to promote family stability by providing innovative and aordable housing solutions to qualified individuals and families. It is you, our donors – those listed in this publication and all who labor in any way to help Habitat – who enable us to advance our vision of a world where everyone has a decent place to live.Habitat for Humanity Tampa Bay Gulfside celebrates philanthropy and recognizes our most loyal donors since our inception in 1985. It is our honor to recognize donors with total lifetime giving of $5,000 or more. At Habitat, we appreciate all support of our mission. If you find your recognition level may be incorrect, please reach out to our oce at (727) 536-4755. While every gift is important to the mission, records from the early days of Habitat are scarce. We appreciate your understanding and grace and will work to correct any errors. Jean BoehneJohn F. JenkinsJPMorgan Chase & Co. Michael and Carolina Holtz and MPH HotelsPinellas County Community DevelopmentRepublic Bank Tony and Carol GrithTradeWinds Island Grand ResortValpak Westphal Family Foundation and St. Pete Hospitality Group Whirlpool Corporation Katherine (Kitty) BonczykLouis and Mila MontuoriMaher ChevroletMorgan Auto GroupNielsenNorm BungardNorthwood Presbyterian ChurchOrlando Health Bayfront HospitalPat O’HaraPinball Clemons FoundationPinch-a-PennyPinellas Community FoundationRoger and Karen HesselRosa LepistoRotary Club of ClearwaterSchneider Electric – Square DStansburry TrustSteven and Shirley DehmlowSubaru of Port RicheyTampa Bay Lightning FoundationTampa Bay RaysTD Bank TD Synnex (Formerly Tech Data)The Milkey Family Foundation The Roy and Ana Zellars Foundation The Strong Foundation and Patricia DavisTom and Signe OberhoferTransamerica and Aegon Transamerica Foundation Valspar, A Sherwin-Williams CompanyWestCMR, LLC

Bert Smith Oldsmobile, Inc.Brenda Ann TateCalvary Baptist ChurchCathedral Church of St. PeterCentral Christian Church of ClearwaterChapel by the Sea Charles and Mary FranckleCharles Moore Clearwater Police Department Coulson Consulting LLC Craig and Jan Sher DEX Imaging Edward B. Ohst Eileen Holohan Eleanor MckinleyEmiilie A. Lugar Evelyn LynchFranklin Templeton InvestmentsGagnon FoundationGeneral Dynamics Ordnance & Tactical SystemsGeorge and Melissa Conda HCA HealthcareHealth Management Associations, Inc.Heather FordHomebanc Homuth Family TrustIndian Rocks Rotary FoundationJason and Janna ClementJay and Jan MillerJay and Karin HartenbachJe and Barbara McDonald Joe TrepaniJohn D. Chapman TrustJohn SchatmeyerJohn WestfallJordan and Michelle MyersKathryn Park Spencer TrustKen and Kelly GinelKen Rush Lionel James Loan Ranger Acquisitions LLCLowe’s Home ImprovementMaria Irene OstbergMary Elizabeth Kenyon Mary-Ellen HowellsMary-Ellen MclainMary Kittrell Michael SchmidtMike and Amy NeebMimi Farmer and Glenn VaughnMindy and Neil GrossmanMolexMontana MassaMy Florida Safe Home ProjectOur Lady of Lourdes Catholic ChurchPalm Harbor United Methodist ChurchPam and Les Muma Pasadena Community ChurchPasco County Housing AuthorityPinellas County Sheri’s OcePrince of Peace Lutheran Church ELCAProSource WholesaleRami and Mary Zohar and Adobe Homes Inc. Ray and Kim Ferrara 10$24,999 - $15,00024-7 International Adamo & Associates, Realty ExecutivesAlfredo AnthonyAlvarez and MarsalAmerisure Charitable FoundationAmy and Je Rettig Anna Ruth Johnson Trust Barbara BeckBeachside Hospitality GroupBehr Paint CompanyBette Ra IveyBob and Lorraine DutkowskyBrad GrossmanCary and Lynne JohnsonCheryll Geer Memorial FundClearwater Solid WasteCovey FinancialCrossroads Christian ChurchDale C. ButlerDana and Charlene Mayo Eastman Footwear Company, Inc. Financial Services RoundtableFirst Horizon Bank FKQ Marketing Inc.Florence T. Smith Focardi Great Bay FoundationGary WheelockGramatica Family Foundation GTE Financial and GTE Foundation Guillermo and Edelmira CosmaHeidi Tuttle-BeisnerHeritage United Methodist ChurchHoneywell International FoundationHugh and Florence BellJ. Kokolakis Contracting, Inc.Je HowellsJohn and Stephanie Doran John HedgerJollay Family Foundation, Inc.Charles and Mary MillerClear Sky Café, Inc.Coldwell Banker Cares FoundationDav and Glenn MosbyDoug and Sheila Bray Ed and Marsha Droste and Pete & Shorty’s Iowa BistroEleanor DuvallEleanor NelsonEpiscopal Church of The AscensionFirst Home BankFirst Presbyterian ChurchFlorida Association of Realtors, Homeownership for All, Inc.Frank Starkey and Mike PattersonFremont Allen & Nina Allen Foundation Friendly Kia New Port Richey George and Carolyn Glaros and Glaros ConstructionGeraldine Bartholomew Glenn Arthur TrustGuardian Trust FoundationHarry J. FreeInnovation CabinetryJ. Crayton Pruitt FoundationJason and Denise MillerJMC Communities John Kackley Joseph Cameron and Adria ThomasKate Tiedemann and Ellen CottonKolter Land PartnersMarion RichMike SuttonMildred I. Baumgartner TrustNico and Ellen Hirsch de HaanPaul ReillyPaula Rigsby Pinellas Realtor FoundationProVise Management Group, LLCRSM US LLPSkip and Vicki TylmanSeminole Hard Rock Hotel & Casino – TampaSuncoast Chapter, Community Associations Institute (CAI)Susan B. WoodThe Bank of TampaThe Hangar Restaurant & LoungeThe Home Depot FoundationThe Sports Facilities Company & Empower AdventuresTibbetts Lumber CO. LLCTruist Foundation United Way of Pasco CountyUnited Way Suncoast $49,999 - $25,000AAA Electrical Contractors Achieva Credit Union and Achieva FoundationAchievement Centers for Children & Families Foundation AgileThought BayCareBay Tech Label and Karl NurseBay to Bay PropertiesBBMC MortgageRegions Bank Robert A. and Dorothy J. KimballRobert and Gladys HackworthRosenbluth Family Charitable FoundationRuby Davis BortzRyan Companies US, Inc.Scott and Julie KlavansScott LeroySean WangSenior Citizens Services, Inc.Solace InsuranceSt. Michael the Archangel Catholic ChurchSt. Paul’s Lutheran ChurchSt. Timothy Lutheran ChurchStar Media EnterprisesStearns BankSubaru of America, Inc. Suncoast Team ServicesTampa General HospitalTEGNA FoundationThe TJX Foundation, Inc.Trinity Presbyterian Church FoundationValley BankVerifoneWest Pasco Board of Realtors

ABC Action NewsAdobe Homes Inc.Aliate Mortgage ServicesAgostino and Maryann DiGiovanni and DiGiovanni HomesAlisa JohnsonAll Saints Catholic ChuchAmplify ClearwaterAndrea WilsonAndy and Paula NallArthur HaedikeAYCO Charitable Foundation$9,999 - $5,0002012 Tampa Bay Host CommitteeAetnaAlboddo TechnologyAldersgate United Methodist ChurchAll Saints Episcopal ChurchAlta Equipment GroupAmerican Baptist Church of the BeatitudesAmerica’s CharitiesAmeriNatAndrew and Heather FinkAndrew ParkAnn KaraginesAnn LeavineBaby Boomers’ Barrister: Estate Planning and Elder LawBarbara Krai Interior DesignBarry Scarr/Scarr Insurance GroupBeaulah Underhill Bessemer Giving FundBetty M. AshleyBill and Bunny BitnerBill GernazainBlackbaudBlanche CalbyBloomerangBouchard InsuranceBrad McmurteyBradley SussmanBrandi GabbardBrian and Constance HaleBridgePoint ChurchBruce and Deidra LivingstonBruce Rector11$14,999 - $10,000Barry W StewartBaxter InternationalBB&TBig Storm Brewery, LLCBlume Family Foundation Burns Family Foundation C. Todd Alley Cash Family Charitable Foundation Charles and Betty OldanieCharles E. ComanChrist Presbyterian ChurchChristopher HackneyChuck Aldrich Church of the Good ShepherdColliers FloridaCool Aire of Pinellas, Inc.Cru FoundationDavid and Carol SjolundDavid Goldstein and Joanne Nelson David Sharpe DeBartolo Family FoundationDick and Kathy ZuidemaDenard and Anne SpanDITEK CorporationD-Mar General ContractingDonald L. and Linda T. SimonsEdwin and Dorothy SvedElodie Dorso - Evara HealthEnstarErion FoundationFannie MaeFirst American Title Insurance CompanyFirst Savings BankFred Spriggs and Sally Sun Frey Masterson Investment AdvisorsGabriel Faraone Garth E. Fenney Memorial FoundationGay T Wiese George and Carolyn CretekosGrow Financial Federal Credit UnionGulf Central District, UMCHal Freedman and Willi RudowskyHands Across the BayHeather CourtneyHelen Hough FeinbergJames and Mary Ellen BaderJarrell and Candi HaglerJarret Dixon and Master RestorationJohn and Diane ReddingJohn and Emilie MarvinJohn DietzJolly Family Foundation, Inc. Karen H. Bartoszek Karen HosmanKenneth ThorntonKing College, Inc. Kiwanis Club of Sunshine CityLink-Systems International, Inc.Marie WeirMary Ellen FioreMary LawrieMatthew FreyMichael LydonMichael SherronMo Krausman One Community NowPat GerardPilot, A Part of LMCUJoseph and Michelle Bourdow Kendall Reid and Sharon WintersLiberty Temple Christina Center livingHRLockheed MartinMarguerite ThomerMax F and Al Jeane Beach FoundationMcLain FoodsMel and Pam OraMelford I. JohnsonMercedes-Benz of ClearwaterMichael and Nancy BeausirNina Winters Northeast Exchange Club of St. Petersburg, IncPark & Eleazer ConstructionPeople Places, LLCRadiance MedspaReliaQuest BowlRobert and Jean MarkleyRobert and Margaret Reeves Ron and Mary K. Evers Ronald and Lori SpoorRotary Club of New Port Richey Sandra HoltonSean and Ellen BunnerSmith & Associates Real EstateSonya MillerSt. Catherine of Siena Catholic ChurchSt. Paul United Methodist ChurchSt. Petersburg CollegeSt. Petersburg Neighborhood Housing ServicesSuncoast Roofers SupplySusan WischwehSynovus BankTeri FordThe First BankThe Sembler Company Todd and Terry TillungTodd St. John-FultonTracy WestTrenam LawTriangle Community Foundation, IncTroy and Judy HollandTroy Payne and Lisa Smithson Van Selow DesignW3 InsuranceWalter InmanWarrick Dunn CharitiesWayne L WilfordYe Loyal Krewe of Grace O’MalleyPNC Foundation Potthast Design - Chelsea Potthast and Veronica Gonsalves Prai BeautyRawson Charitable FoundationRealty ExecutivesRobbie and Sara RobinsRonice and Steven Barlow Rotary District 6950Samuel PicardSandy ConradScott and Laura DaigleSean KingShaunessy WeibySheraton Sand Key ResortShiloh Ministries, Inc.Steve and Cathy CollinsStonewegSunshine State Economic Development CorporationSusan SullivanTECOTerry and Carol MullaneThe Douse FamilyThe Gabriel & Jeanne Shaheen Family Foundation, Inc.The Ross Realty Group, Inc.Tim LimaUnited Way of Pinellas CountyUnited Way of Tampa BayWalmart Foundation Wanda FyfeWorkNet Pinellas, Inc.

Gulf Coast Realty Seminole, LLCH2UHank WojcickiHarborside Christian ChurchHawkins Construction, Inc.HCI Group, Inc.Hill Ward Henderson Hope Presbyterian Church Housing Finance Authority of Pinellas CountyHydrologic Distribution CompanyIdeal ImageIntegrated Economic Solutions CorporationIqbal and Janet Paroo Jack McFarlandJanine SheloJason MillerJason RussekJean Spencer-CarnesJe and Heide KusterJerey McClanathan Jerry and Patricia DominickJerry and Susan CobbJim and Allie CantonisJim McClinticJoe and Angelina JimenezJoe and Gina FontanaJohn and Amy UllrichJohn and Michelle NicelyJohn and Tirrah SwitzerJohn WhiteJohnson, Pope, Bokor, Ruppel & Burns LLPJoseph LamphierJoseph VottoKapok Special Events Kay MeyerKay V. ScheuermanKen and Maureen HeretickKen CarsonKen FulghumKen Jae and Dionne DixonKenneth and Linda KoKevin DeckerKim NeuschelerKip Kedersha Kirk of DunedinKolter Urban LLCKrambo CorporationKris and Christine PostlmayrKristi Cheatham PettitLarry E and Betty KingsleyLaurie Decarlo La-Z-Boy Furniture Gallery Corp.Leo NussbaumLeonard Dow Level 3 CommunicationsLinda and Randy SimmonsLindsey Wilson CollegeLois PerwienLouise FlandreauLutheran Church of the Palms Maggie KnutssonMardie ChapmanMark and Mary Kay ListonMark and Mary RoberdsMary Anne ReillyMary WheelerMatt GodriMaureen RamMcManus & McManus, P.A.Michael and Nicola DillonMike and Deb FusekMilner Inc.Mott Cancer CenterNamaste HomesNancy JahrNancy Mink Natalie LemkeNatalie MartinezNational Association of Senior FriendsNew Hotel CollectionOakhurst United Methodist ChurchOhio Capital Impact CorporationOnicx Palm Lake Christian ChurchPalm Pavilion of Clearwater, Inc.Pamela LeePatti TempletonPDR Certified Public Accountants Peer Title Inc.Peter and Christian Barli Peter and Joyce Wortman Charitable FundPeter L. McNamaraPeter PavPines Presbyterian ChurchPresbyterian Church of Palm HarborPresbytery of Tampa BayPreston and Tiany FaykusPriority FoundationR & S Manufacturers Rep Inc.Rebecca WatsonReece Bader and Alicia ChaseRev. Norman and Phyllis Hatter Robert and Mary Jo SwiggettRobin Waugh-CastleRotary Club of Dunedin NorthRowland Inc.Sage SoftwareSam Carothers Sandra WatersScott WilsonShannon IrmenSharon NelsonSharon RasponiShawn Rupp Shear Enterprise, LLCSifma (Securities Industry and Financial Markets Association)Signature ShindigsSpectrum NetworksSt. Alfreds Episcopal ChurchSt. Anne Of Grace Episcopal ChurchState Farm Stephen N. PeterSteve and Nadine Meehan Steven and Natalie RaneySusan ClaflinTampa Bay Beaches Chamber of CommerceTanney, Grith & Bresler, P.A.Target CircleThe Church of the BayouThe Select Group LLC12Burton KlineC & L Graese FoundationCalvary Episcopal ChurchCalvin and Priscilla NystromCandace BarberCarol HagueCarol KlineCarol MarquardtCeridianCharles Schwab at Citrus ParkChrist Evangelical Lutheran Church Inc.Christopher and Julie LynchChristopher ButlerChuck and Dolly DannewitzChuck IkewoodChurch of The Isles Citicorp Services IncorporatedClare J. Trice TrustClint and Katie Cole Coast-to-Coast Title & EscrowConstellation Brands, IncCox Target Media Inc.Crowe LLPCrystal Beach Community ChurchDarrell and Sue ZenkDavid and Diane ElmerDavid LongspaughDaVitaDavid MayDebbie Cooley-GuyDeby ReidDecorating Den Interiors Demetrish Nicole Elegant EventsDenise WilliamsDiane ShieldsDick Norris Buick GMCDollie PettisDoug CampbellDr. and Mrs. Theodore VlahosDrs. Bruce and Joan LevineEasel AidEdmund (Tom) O’Brien E. Roberta LewisEric SeidelEstate of Dallas Kirk HammondEstate of Violet BogertExact TargetF.W. & P.C.O.A Region IVFaith Presbyterian ChurchFifth Third BankFirst Citrus BankFlaharty Asset Management Florida BlueFlorida Suncoast Chapter Of ICC & BOAFFowler and Nancy McconnellFrank Torre and Torre Painting FreeWill Gaby CamachoGarland and Martha Forbes Garner M KoonsGeorge Spowart and Soosie LazenbyGlenn HannemanGrady Pridgen, Inc.Greg and Karen deCelleGulf Coast Chapter of the FAMBGulf Coast Giving

Legacy Society members include Habitat for Humanity Tampa Bay Gulsdie in their estate plans and make a lasting impact on families in need of a decent and aordable place to call home, breaking the cycle of poverty. *LEGACY SOCIETY*Anna Ruth JohnsonRuby Davis BortzViolet BogertAmanda Lynne HaygoodAnastasia KrafAndrew SampsonAneika L BurrellAngela Demetrius RenoAnne KyleAnthony John HallerArthur and Robert DonnellanBarbara MorganBeulah UnderhillBeverly J. SuttonBriana KeyCaitlin KnightlyCamila GonzalezCaterine MacDonaldCharles ComanCharles A RogersCharles MooreClare J. TriceClarence F and Jean Alys SpenceCori C. WrobelCotten FamilyDallas Kirk HammondDaniel Neris and Nydia Cruz-NerisDanielle HodgesDavid GlynnDeanna D’AbbraccioDeanna TraxelDiana DalonDonal McLeanRobert A. and Dorothy J. KimballEleanor DuvallEmiilie LugarEvelyn AdamsonFlorence T. SmithForest Robert Spall IIIFrank and Marian WagnerFremont and Nina AllenGail MooreGeorge F. RoweGeraldine BartholomewGericka BrownGlenn ArthurHannah BurgessHoney Luna BaezIrma Mae KeldsenIvon and Jane CulverIvonne EspadaJacquelyn Dinkins-CheathamJake PieterseJames D. and Rosemary M. MillerJanet P. ToddJean P. BoehneJennifer TorelloJeremy Lee StebbinsJessie VigoritoJohanna StevensJohanys Rodriguez CaraballoJohn D. ChapmanJohn NguyenJohn F JenkinsJoseph Cameron and Adria ThomasJulia SimpsonJulian Andres Vasquez OcoroJune Marie GerlachKaren Lynn UnderwoodKarin Pilar JimenezKarisa Carleen Rojas-NortonKarl NurseKatherine J. BandfieldKathryn Park SpencerKelly MoranKerry Beth GrandahlKim BowersKimberly SparksKimberly R McGough-EddyKitty E BonczykLatasha HayesLatoya LetthandLeighann WatsonLionel JamesLisa CabellaLois D. CosenzoLouis and Mila MontuoriMarie WeirMary Elizabeth KenyonMary KittrellMary LawrieMelford I. JohnsonMelissa TorresMichelle WatsonMichelle SampsonMike SuttonMike John PattersonMildred I BaumgartneNorm BungardOlga C CuellarPacifique AgizoPedrito RodriguezRobert Blodgett Kyle IIIRocky James ColemanRonele KingeryRosa LepistoSandra Alzate BelalcazarSandra Modolin SmithShane GilbertsonSharon D WilliamsSophal LveaStacey EfawStacy BryantStacy ShawnStansbury TrustSusan Topping (Bauerle)Tabitha HirschfeldTawny Heather Swain CastleTodd St. John-FultonTom HokeTravis James NortonWilliam KasperYakeshea StewartYonnette TaylorZachary Armstrong BucherNancy & David Ridenour2024 Silver Nail Legacy AwardDavid and Nancy Ridenour have seen Habitat grow from its earliest days. Nancy worked on Habitat’s audit when the organization completed its 30th home and has continued to be involved through sponsorships as well as employment in a variety of roles for over 30 years.MaintenX2024 Golden Hammer AwardMaintenX has helped support our mission locally for almost a decade. Since 2018 the company has donated over $700,000 and has sponsored nine families on their journey to homeownership, with three more to be dedicated this year upcoming months. 2024 Award WinnersThe Starbucks FoundationThe Wawa FoundationThomas Osborne Stair and Lucy Caldwell-StairThompson, Sizemore, Gonzalez & Hearing, PATim and Gina JohnsonTJ Haynes-MorganTodd and Danyele SakowTom and Jen CotterTom and Leyla TremaineTransitions Optical Inc.Trifecta NetworksUma DesimineUnited Methodist ChurchVerseaVetted Secutity SolutionsWagner Advisors Weller ResidentialWest Pharmaceutical ServicesWilliam and Sally SynderWilliam Kasper TrustWomen in TourismWoodhouse Day SpaWorld Electric SupplyZoe Fisher Marvel Foundation Inc.

Lee ArnoldExecutive Chairman of Colliers FloridaMarc BanningCEO of Banning LumberRondé Barber (CEO Build Committee)NFL Hall of Famer, General Chairman of Copperhead CharitiesBridgette BelloCEO & Publisher of Tampa Bay Business & Wealth MagazineDavid BennettCEO of Pinellas REALTOR® Organization & Central Pasco REALTOR® Organization Bill Brand (CEO Build Committee)Board Member of Habitat for Humanity International;Former CEO of Rue21Timothy N. Brundage MDCEO & Physician Advisor of Brundage GroupBob ChildressCEO of Solace InsuranceJason ClementFounding Partner & CEO of Sports FacilitiesCompaniesStephanie ConnersPresident & CEO of BayCare Health System John Couris (CEO Build Committee)President & CEO of Tampa General HospitalSusan CrockettPresident & CEO of Ruth Eckerd HallBill CroninPresident & CEO of Pasco EDCRobert "Bob" DonaldsonCEO of Maxi-Blast of Florida Elodie DorsoPresident & CEO of Evara Health Ed DrosteChairman of Provident Management CorporationDeborah DuffeyPresident of Dermazone SolutionsJohn DuffyOwner of City Wide Facility SolutionsLisa FallerPresident of FKQ Advertising & MarketingThomas FeindtChief Executive Officer of Grow Financial Ray FerraraExecutive Chairman of ProVise Management Group65 CEOs and business leaders joined together to raise more than $200,000 to builda safe and affordable home for a deserving family at the third annual CEO Build. habitattbg.org/ceobuildCEO BUILDleaders working togetherbuilding homes, communities, and hope.2024Thank You to Our 2024 CEO Build ParticipantsScott FinkVW of Wesley Chapel, Subaru of Wesley Chapel,& Fink Five Foundation Jeffrey FishmanPresident of Investors Title & Settlement ServicesVincent ForesePresident & CEO of Link-Systems International Wendy GattisCEO of DITEK CorporationRobert GlaserPresident & CEO of Smith & Associates Real EstateBill GoedeTampa Bay President of Bank of AmericaSteve GriggsCEO of Vinik Sports GroupMindy Grossman (CEO Build Committee)Partner & Chair of Consello Group,Former CEO of WW & HSNiRuss HallenbeckCEO of Tibbetts Lumber CompanyKeri Higgins-BigelowFounder & CEO of livingHRBill KentPresident of George F. Young, Inc.Neil KieferCEO of HMC Hospitality Group, Inc.Jim KirkpatrickFlorida Market President of Republic BankScott KramerPresident & CEO of Spartan Contracting CorporationKen LaRoeFounder, CEO, & Chairman of Climate First BankSharon Leite (CEO Build Committee)Former CEO of Ideal Image & Vitamin ShoppeBrett McGill (CEO Build Committee)President & CEO of MarineMaxJim McVayPresident & CEO of Reliaquest BowlBrooke MirendaPresident & CEO of Sunshine State EconomicDevelopment CorporationKyle MishlerOwner of KAM Roofing ServicesRobin MochPartner at M. E. Wilson Company John MoorePresident of Bayfront Health St. PetersburgAndy ParkManaging Partner of Park & EleazerConstructionAmanda PaynePresident & CEO of Amplify ClearwaterMitch PermuyChairman & CEO of Power DesignSteve RaneyChairman & CEO of Raymond James BankAlyssa RhoadsExecutive Director of CEO Council ofTampa BayBill RobertiManaging Director of Alvarez & Marsal Karyn RoelingPresident & CEO of Seibert InsuranceElliott RossPresident of The Ross Realty GroupRyan Ross (CEO Build Committee)President of Neiman MarcusMelissa SeixasFlorida State President of Duke EnergyJyric SimsPresident of HCA HealthcareWest Florida DivisionJohn StrongChairman & CEO, Bankers Financial CorporationMike SuttonPresident & CEO of Habitat Pinellas and WestPascoDr. Kanika TomalinPresident & CEO of Foundation for a HealthySt. PetersburgJohn TomlinCEO of Tomlin St Cyr Real Estate ServicesBrian Van SlykeRegional President of Kolter Urban LLCRandy WareFounder & CEO of WestCMRHelen WesleyPresident & CEO of TECO Peoples GasTracy WestPresident of Copperhead Charities and Valspar Championship Tournament DirectorCarlos YepesPresident & Founder of Belleair DevelopmentGroupTom ZernickCEO of Bay First National BankMedia PartnerConstruction Site Sponsor

volunteertotal volunteer hours(January 2024 - December 2024)44,11132,216 hourson the build sites1,336 hoursat the valsparchampionship10,470 hoursat special events1,700 hoursin the restores2,537uniquevolunteersMaureen BallockArt BorstCarolina ConnerCarol DowningDavisha EarleyAntoine EverettAmanda GilroyJose GomezIris GonzalezLynn GravesChristopher HackneyEvette HunterDavid LongspaughChris MajeskiJim MoranAriel ScottKaren SherretsSusan SullivanYonnette TaylorHeidi Tuttle-BeisnerLeighann WatsonCheri Weddinghomeowner selection committeeThe Homeowner Selection Committee plays the first crucial step in the approval of qualified applicants into the Habitat for Humanity program. Comprised of volunteers from our community, the committee verifies and validates an applicant’s need through a review of basic financial information and an in-person interview.

Throughout the past year, our aliate has made a further commitment and investment advocating for the advancement of aordable homeownership. In 2024 we created numerous opportunities for engagement with elected ocials at the local, state, and national level. We also held a series of “Aordable Housing 101” virtual workshops that provided volunteers, homeowners, and donors the basics of aordable housing and how they can make an impact. We will continue to create new opportunities to advocate at the local, state and national level for aordable homeownership. advocateSuccessfully Secured Two Million in Penny for Pinellas Workforce Housing Program FundsHabitat for Humanity Tampa Bay Gulfside successfully secured two million dollars in Penny for Pinellas Workforce Housing Program Funds. The County operates this program to oer Penny IV funds for financing aordable housing. This two-million-dollar award is being used to fund the construction of 54 new aordable housing units at our Longlake Preserve subdivision in Largo.Successfully Supported SB 514- Mortgage Brokering (SAFE Act Exemption)Habitat for Humanity Tampa Bay Gulfside successfully advocated for a permanent SAFE Act Exemption for Habitat for Humanity Aliates.Under the SAFE Act, mortgage loan originators are subject to increased training requirements, uniform licensing exams, and licensing fees.In 2010, Habitat Florida received an opinion letter from the Florida Oce of Financial Regulation, rendering Habitat aliates in our state outside of the SAFE Act definition of “loan originator.” However, this opinion was not legally binding, leading to uncertainty.As a result of successful advocacy eorts, there is now a permanent exemption in Florida law, allowing Aliates to focus resources on constructing aordable housing rather than on expensive state licenses and compliance. This Law went into eect on July 1, 2024.

HERNANDO COUNTYEXPANSIONIn the Spring of 2024, Habitat for Humanity International selected our aliate to expand our services to Hernando County. Our service area now covers Pinellas, West Pasco, and Hernando Counties.“Given our organizational growth, coupled with the investment in our professional dedicated sta, we feel we have a great opportunity to better serve the families and individuals of Hernando County”, said Mike Sutton, President and CEO. “Our organization is positioned to bring aordable homeownership resources to fill the gap in service that the Hernando community is currently experiencing, with no active Habitat for Humanity presence currently available”.An extensive name-change process was conducted and after much deliberation, it was deemed that “Tampa Bay Gulfside” is a clearly defined geographic identifier. Our new name not only reflects the expanded geographic reach but also underscores our commitment to transformative community development throughout the region.Habitat welcomed the first Hernando County family into the program in November 2024. Kenya Pickering and her two children will soon have a safe and stable home in Spring Hill with a 0% interest mortgage. Habitat ocially broke ground on her home in January 2025.Kenya Pickering is surprised with herHabitat Acceptance on November 20th, 2024.Habitat breaks ground on thePickering Family home on January 16th, 2025.Habitat has already secured four lots located in Spring Hill and Brooksville where we will build homes for five Hernando County families. We are also currently negotiating a contract for a 9.5 acre Hernando County-owned site, which will provide aordable homeownership opportunities to 28 families in Spring Hill.

development updates2025 and beyond...We are Building:11 developments (underway and pending) 317 total homes 202 multi-family homes 99 single-family homes 16 senior village homes

Lake Belleview24 TownhomesClearwaterSandhill Ridge24 Single Family HomesLittle Road, New Port Richeyunder construction:Longlake Preserve52 Townhomes & 2 Single-Family HomesLargoShell Dash Townhomes10 TownhomesSt. PetersburgThe Grove11 TownhomesSt. PetersburgPelican Place40 TownhomesSt. Petersburgcoming soon:Century Drive28 Single-Family HomesSpring HillSt. Bedes39 TownhomesSt. PetersburgLake Seminole16 Senior Village HomesSt. PetersburgLealman Heights30 Townhomes30 Single-Family HomesLealman

2024 highlightsOver $1 million was raised at Habitat’s Glow Gala to support aordable homeownership opportunities for deserving families.Dedicated the home of the Poole Family, the 2024 Faith Build homeowner partner, located in Largo in theDansville-Ridgecrest community.January February MarchHosted the third annualCEO Build through which $200,000 was raised by 65 CEOs committed to creating aordable housing solutions.AprilHabitat Pinellas and West Pasco expandedour service area to include Hernando County and ocially rebranded toHabitat Tampa Bay Gulfside.Presented a check to the Pinellas County Board of County Comissioners for $1,622,334 representing the taxes Habitat homeowners paid in 2023.

Celebrated the ribbon cutting of our Pasco County Oce which features work spaces and an education room to better serve our sta and families in West Pasco.Dedicated the home of the Rimpson Family, the 2024 Veteran’s Build homeowner partner, located in Clearwater.May June July AugustNamed one of Florida Trend’sBest Companies to Workfor in Florida in 2024.Celebrated our 900th home dedication with the Jones Familyin the Dansville-Ridgecrest communityon Gooden Crossing in Largo.Recognized as one of theBest Places to Workin Tampa Bay for the second consecutive year.

Coordinated a Hurricane Relief Supply Drive to support those in our community in the aftermath of Hurricane Helene.The newly imagined Golfing Fore Habitat Topgolf Challenge raised over $130,000 for Habitat families.SeptemberOctober November DecemberPartnered with Warrick Dunn Charities to surprise three single mothers with fully furnished homes ontheir dedication day.Hosted the 2024 Women Build which brought together female leaders from across the region to build homes for two women-led families.Habitat hosted the Tampa Bay Titan 100 inaugural class for a special Community Day at our Longlake Preserve townhome community.

• Recognized as one of the Top Three Producing aliates for five consecutive years based on new home builds across nearly 1,000 US aliates• 2024 Tampa Bay Business Journal One Tampa Bay Recipient for the 6th consecutive year• 2024 Energy Star Partner of the Year Award Winner for 3rd consecutive year• 2024 Florida Trend Best Companies to Work for in Florida Award Winner• 2024 Tampa Bay Business Journal Best Places to Work Recipient for the 2nd year in a row in the Large Category (50-99 employees)• 2024 Tampa Bay Times Top Places to Work Recipient• 2024 Large Business of the Year by the Upper Tampa Bay Chamber of Commerce for the 2nd year in a row• 2024 Tampa Bay Times Best of the Best New Home Builder Finalist for 2nd year in a row• 2024 Amplify Clearwater Business Excellence Award• 2024 PRSA Tampa Bay PRestige Award of Excellence for the 2nd year in a row• 2024 USF Fast 56 Award Recipient for the 2nd year in a rowhabitat achievementsaliate accoladesteam member accolades• Mike Sutton, President & CEO was recognized on the Tampa Bay Business Journal’s Power 100 list for the 4th year in a row, as an inaugural member of the Tampa Titan 100 Awards Class of 2024, an NAACP Presidents Award winner, and as a Tampa Bay Business & Wealth Apogee Award Finalist.• Todd St. John Fulton, Chief People & Culture Ocer, was recognized as a 2024 Tampa Bay Business Journal Business of Pride Honoree.HABITATMILESTONES19861st Habitat Home2003100th Home2008200th Home2014300th Home2017400th HomeMillard and Linda Fuller start Habitat for HumanityInternational (HfHI) in Americus, Georgia.1976Habitat Pinellas is formed and is recognized asan official Habitat affiliate.19852018500th Home2020600th Home2021700th Home2023800th HomeHabitat Pinellas merges with West Pasco20192024900th HomeAffiliate expands to Hernando County andrebrands to Habitat Tampa Bay Gulfside202420251,000th Home

Administrative Headquarters 14010 Roosevelt Blvd, Suite 704Clearwater, FL 33762 Construction Warehouse & Homeowner Education Center 13355 49th Street North, Suite BClearwater, FL 33762 St. Pete Resource Center 1350 22nd Street SouthSt. Petersburg, FL 33712 Pasco County Oce 7237 Little RoadNew Port Richey, FL 34654 Hernando County Oce 15588 Aviation Loop Dr, Suite 2Brooksville, FL 34604habitattbg.org | (727) 536-4755OUR MISSIONSeeking to put God’s love into action, Habitat for Humanity brings people together to build homes, communties and hope.