AN INCOME THAT CAN'T SHRINK OR STALL

You can relax, secure in knowing

• You can't outlive the income from a gift annuity;
• The level of your lifetime income won't change with the ups and downs of the economy.

TAKING CARE OF LOVED ONES
In addition to supplying an income for yourself or a surviving spouse, it is also possible to use a gift annuity to furnish income for someone else.

If you are providing income for a parent, brother, sister, or other loved one, a gift annuity can be a very good way to fulfill that commitment. For example, if you are now providing financial assistance to a sister or brother, your gifts are not tax-deductible and, in fact, are made from after- tax income.

You might consider entering into a gift annuity with the Foundation which would pay income to that person for life. And you would receive a deduction for as much as one-half of the amount used to make the gift.

You can also establish a gift annuity for someone else in your will. The annuity becomes effective at your death and the fixed payments begin immediately.

SUPPLEMENTING RETIREMENT INCOME
A gift annuity can be an excellent way to help ensure a comfortable retirement income.

With a series of gift annuities you can help reduce your tax bill each year. And each new annuity created at an older age will generally result in a higher payment.

If you are just beginning retirement planning and have assets that are not now yielding what you would like to receive, you might consider a deferred payment gift annuity. You make a gift now, enjoy an immediate income tax deduction of a significant portion, and specify a time for your payments to begin.

Whatever plan you choose, a gift annuity is a way to increase cash available to you each year, while you enjoy making a meaningful gift which might not otherwise be possible. Your gift becomes available to the Baptist Student Foundation at your death.

HOW DOES A GIFT ANNUITY WORK?
It's simple. You make a gift of cash or negotiable securities to the Baptist Student Foundation, through the services of the American Baptist Foundation to establish a one-page gift annuity agreement. Under the agreement, which is a legal contract, the Foundation binds itself to pay a fixed amount of income to you each year.

Assured director to schedule a meeting. You may choose to receive the income in annual, semi-annual, or quarterly payments. Payments may also continue for the life of a second person, if you wish.

Attractive Fixed Rates.
The amount of the payment you receive is fixed, based on your age when the annuity is funded, and will not change as long as you live. This is an attractive feature today when many have seen their incomes fall with lower interest rates.

Savings Through Tax Benefits.
When you create a gift annuity you receive an immediate income tax charitable deduction. The payments are even partially tax-free for a period of years.

Being a Good Steward.
Your financial well-being and your desire to support the Baptist Student Foundationneed not be competing goals. There are many ways to make charitable gifts that consider your financial needs. The gift annuity is one plan which lets you both give and receive.

The American Baptist Foundation is a charitable estate planning service utilized by the Baptist Student Foundation for individuals who wish to include gifts in their final plans of stewardship.

If you would like to know more about the giving and receiving benefits of a charitable gift annuity, contact the Baptist Student Foundation director to schedule a meeting.

An American Baptist Foundation representative is eager to answer your questions about a gift annuity or any other planned giving opportunity. Servicesare confidential and are available to you free, without obligation.