Melinda Hillman, CFRE
Executive Director
276 Patton Lane
Harriman, TN 37748
Ph (865) 882-4507 or (865) 354-3000 ext 2301
Fax (865) 882-4689
Email: hillmanmk@roanestate.edu
Linda Brown
Coordinator
276 Patton Lane
Harriman, TN 37748
Ph (865) 882-4507 or (865) 354-3000 ext 4471
Fax (865) 882-4689
Email: brownll@roanestate.edu
Jeana Bradley
Scholarship Specialist
276 Patton Lane
Harriman, TN 37748
Ph (865) 882-4507 or (865) 354-3000 ext 4422
Fax (865) 882-4689
Email: bradleyjc@roanestate.edu
You can make a gift that will benefit Roane State
Community College Students in the future and receive guaranteed fixed income for life.
Your income payments may be considerably higher than your return on low-earning CD’s or securities.

78
79
80
73
74
75
76
77
70
71
72
67
68
69
81
82
83
84
85
86
87
62
63
64
65
66
59
60
61
Age
55
56
57
58
88
89
90
One Life
Rates
Charitable Gift Annuities
Two Lives (Joint and Survivor)
Sample Rates
5.5%
5.7%
5.8%
6.0%
6.2%
6.4%
6.6%
6.8%
4.8%
4.9%
5.0%
5.1%
5.3%
5.4%
7.0%
7.2%
7.4%
7.6%
7.8%
8.0%
8.2%
Rate Younger Age Older Age
4.0% 55 56-58
4.1%
4.1%
4.2%
55
59
60
62-95+
61-63
63-66
4.3%
4.4%
4.4%
4.5%
4.5%
4.6%
4.7%
4.8%
60
62
63
65
65
70
70
72
71-95+
67-69
68+
69-72
73-95+
72-74
79-95+
75-76
74
75
75
76
77
78
79
80
80
81
82
83
84
85
85
86
87
88
89
90
90
93-95+
88
89
90
91
92
94-95+
77-78
79-81
87-95+
80-81
82-83
82-83
83-84
83-84
94-95+
86
85-86
86
89
88
8.4%
8.7%
9.0%
Please contact us for rates other than these scenarios
5.9%
6.0%
6.6%
6.3%
6.4%
6.6%
7.0%
7.1%
5.1%
5.3%
5.6%
5.4%
5.6%
5.7%
7.6%
7.3%
7.5%
7.9%
8.2%
8.5%
8.8%
Rate
3.6%
3.8%
3.9%
4.0%
4.2%
4.2%
4.3%
4.4%
4.5%
4.7%
4.9%
4.9%
Rates set by the American Council on Gift Annuities
Effective January 1, 2012
Roane State Community College Foundation
Charitable Gift Annuities – How do they work?
When you make a gift of $10,000 or more to establish an annuity, Roane
State Foundation agrees to make regular payments to you or your beneficiaries for life. Afterward, the remainder of the gift is added to the
Foundation’s funds to support scholarships, faculty development or other areas of your choosing.
What are the benefits?
With a charitable gift annuity you can:

Enjoy a tax deduction for the gift and regular payments that are partially tax-free (Please consult your tax professional)

Provide payments for life for you, your spouse, and/or other loved ones (maximum two lives)

Convert low-yielding stocks or other assets into an annuity with higher payment rates

Create a supplemental source of retirement income for you or other loved ones
The following chart shows examples of income and tax deductions for a $10,000 single-life annuity:
B ENEFITS ON A $10,000 S INGLE L IFE C HARITABLE G IFT A NNUITY
Age
65
70
75
Annuity Rate Yearly Income Tax Deduction*
4.7% $470 $2,661
5.1%
5.8%
$510
$580
$3,469
$4,101
80
85
90
6.8%
7.8%
9.0%
$680
$780
$900
$4,669
$5,485
$6,135
*Deductions as of December 2012. Please check with your tax professional for current deductions.
For information on establishing a Roane State Foundation charitable gift annuity, please contact Paul Phillips, Linda Brown or Jeana Bradley at 865-
882-4507.