IMPORTANT NOTE:

Using a Charitable Gift Annuity may provide you with significant advantages. However, there is no single investment or planning program which is right for everybody. The decision of whether a Gift Annuity "fits" must also take into account your other planning needs and goals.

Keep in mind these facts about Gift Annuities:

• Your gift is irrevocable. Once the gift is made you have a guaranteed income but the initial gift cannot be returned to you.
• The IRS assumes that a portion of your initial gift will be returned to you in the form of Annuity payments. Therefore only a portion of the initial gift is tax deductible.
• It's likely that less than the entire initial gift will be available to the charity at your death.
• Rates used in examples and illustrations are subject to change.
• A Gift Annuity is a general obligation of the Barnabas Foundation and is backed by all of its assets.
• Gift Annuities are governed by state law and are regulated by the Insurance Departments of several states.
• A Gift Annuity is not insurance under certain state's law.
• Gift Annuities may be subject to regulation by the insurance department or securities department of your state.
• Your Gift Annuity is not insured or otherwise guaranteed by any state or federal governmental agency.