Current Annual Report - Retirement Housing Foundation

RHFProviding aBrighter FutureFor People2012 Annual ReportRetirement Housing Foundation

The Vision of RHF (Retirement Housing Foundation),is a society in which all persons have quality, affordablehousing thus reducing the difficult choices which wouldotherwise need to be made between the basic necessitiesof life.The Mission of RHF, a national nonprofit organization,is to provide various housing options and services for olderadults, low income families, and persons with disabilities,in an environment which enhances their quality of life -physically, mentally, and spiritually.RHF is committed to serving its residentsand their local communities.

2012Table of ContentsPresident’s Message . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 4Chairperson’s Message . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 52012 in Review . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 6On A National Scale . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 8Good Stewardship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 12Looking Forward . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 14Social Accountability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 16RHF’s Leadership Team . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 20Financial Highlights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 22Chronological Listing of Communities . . . . . . . . . . . . . . . . . . . . . . Page 24Housing and Services Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 28Our Philosophy and Values . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 29Charitable Giving . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 30Our Donors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 32

Messagesfrom ourLeadershipRHF Providing a Brighter Future for PeopleRHF Fast Facts:- Employs more than 2,800people throughout theUnited States, Puerto Ricoand the U.S. Virgin Islands.- More than 18,000 peoplecall an RHF community“home”- We began constructionon Lane Manor in StoneMountain, GA and TheWhittier in Los Angeles,CA.- Broadwood Terrace andLas Alturas, both affordablesenior communities,received 9% tax creditawards in 2012.- We welcomed Peace Village(Palos Park, IL), a CCRC,into the RHF family.- 63 RHF residents areover the age of 100, morethan 40 of them are livingindependently.Later in this annual report you will read our ninth annual socialaccountability report. One report from a manager included the words,“God has blessed our family with the opportunity to help others thisyear.” That’s what RHF is all about. In our national headquarters and inour 168 communities nationwide we advocate for policies and strive tosee that everyone has a safe, secure, and affordable place to live.The following pages serve as a snapshot of the past, the present, andthe future. While the financial report contained herein covers the periodof October 1, 2011 through September 30, 2012, my report covers theperiod from February 1, 2012 to January 31, 2013.•We celebrated our 51st Anniversary in February 2012 with nationalmanagement conferences for our market-rate/healthcare administrators,directors of nursing and assisted living directors, as well as affordablehousing managers from the Northwest and Southern California regions.The management conferences, annual meeting of corporate members,and anniversary banquet were held at the Sheraton Cerritos.The annual meeting is a time when we conduct corporate business, andwe welcomed delegates from RHF community boards as well as nineUnited Church of Christ (UCC) Conference Ministers.The annual meeting worship service was hosted by CommunityCongregational UCC, Los Alamitos. Preaching was the Rev. Dr. TeriKawata, a member of the RHF Board and former Conference Ministerfor the Hawaii Conference of the UCC. Sadly, Teri retired from the RHFBoard at this meeting along with his wife Kiku, who retired from theAdvisory Commission. A combined choir comprised of RHF teammembers and choir members from Community Congregational and LosAltos UCCs provided music under the direction of David Joseph.At the annual business meeting, Dr. John Bauman and the Rev. Dr.Norma DeSaegher were elected to the National Board of Directors Classof 2013, the Rev. Harold Schultz was elected to the Class of 2014, andFrank G. Jahrling, Donald W. King, Tom S. Masuda, and John E. Trnkawere re-elected to three-year terms, Class of 2015.4(Continue on page 5)

Recently I read the following quote from Walt Disney: “The MostImportant Thing Is Family”. That made me think about family in a largercontext than our immediate families. In truth some people have few ifany family members and for some who do, they seldom see them, but inRetirement Housing Foundation we all have family. It is a very large family,a caring family, consisting of 18,000 residents of RHF communities andmore than 2800 staff members who we know as family.Some of the most fulfilling experiences members of the RHF Board haveeach year is when residents invite us into their homes. On these visits wediscover just how important the RHF family is to many residents and staff alike. We hear comments like, “this is thenicest home I have ever had,” “these people really care about me.” For many, Walt Disney was right, “The mostimportant thing is family,” our RHF family.The RHF family is a growing family. During 2012 we broke ground on Lane Manor in Stone Mountain, Georgia andThe Whittier in Los Angeles. We continued work on the relationships with Congregational Tower in Chula Vista,California and The Towers in Jacksonville, Florida. We became the management team of Peace Village in Palos Park,Illinois and received approval to acquire Essex Village and Kings Grant in North Kingston, Rhode Island. We’vealready begun to explore additional opportunities to add to the RHF family in 2013.Within the RHF family there are many examples of residents and staff caring about other people. I am reallyfascinated by the work residents of Capital Court in Corydon, Indiana, are constantly doing for members of ourArmed Forces. They collect items for care packages which they send to our soldiers, sailors, and service membersin the Air Force around the world. They have already sent more than eighty care packages and designated a corner intheir community room for thank you letters, pictures and memorabilia from recipients of those packages. This is onlyone of many ways that members of the RHF family express their caring for other people.Happy Anniversary to the entire caring RHF family,Rev. Dr. John E. TrnkaBoard ChairAt the anniversary banquet several awards were presented. The Friend of the Elderly award was given to Jay Schochet andRick Henken of Schochet Associates. Schochet Associates is a full service real estate development and management companyfounded by Jay R. Schochet more than 30 years ago. Since that time, they have developed, owned and/or managed inexcess of 6,500 apartments and over 600,000 square feet of retail and commercial space throughout New England andthe West Coast. Their partnership with RHF began in 1983 when plans for the syndication of Angelus Plaza were implemented.We believe this syndication, which closed on December 31, 1984, was the first by a nonprofit owned affordable housingcommunity. Since then Schochet Associates and RHF have worked together to acquire and preserve 15 communities inthe New England area.The 2012 Resident of the Year award was presented to Elsie Dixon, Ingleside Manor, Macon, Georgia. Elsie was the firstresident to move into Ingleside Manor when the community opened in August 2006. Twenty years ago she started makingquilts and blankets for Project Linus, a national program which took its name from the Peanuts character Linus who alwayscarried a blanket. Her handiwork is used by hospice patients, wounded soldiers, and children in hospitals. In 2010alone she made 396 quilts and blankets.(Continue on page 6)5

2012 In ReviewThe RHF Manager of the Year award went to DianeWink, Manager of Anciano Tower, Montrose, Colorado.She joined the RHF team in 2005 as Manager of CamelotVillage in Council Bluffs, Iowa. Then in 2007 she tookon the responsibility as Manager of Loess Hills Estatesin Glenwood, Iowa. She received the first “AboveAverage” Management and Occupancy Review scoresfor both Camelot Village and Loess Hills Estates froma Contract Administrator who stated that she wouldnever give anything higher than “Satisfactory.” Diane isnoted for being focused and providing cohesivenessand consistency in quality customer service, teamwork,leadership, and community outreach.The RHF Volunteer of the Year award went to DorothySanders from Ingleside Manor, Macon, Georgia. Dorothywas a resident of Ingleside Manor from March 2007until February 2010, and she began her volunteer workas a resident there. She later became Office Assistantin 2009. She is now working and living elsewhere, butshe continues to volunteer. When the community has“Call Congress” days, she helps residents with thecalls. She checks on the residents during severe weatherconditions, and she also donates Saturdays cleaningresidents’ apartments who have no family or friends tohelp. She is Secretary of the Chamber of Commerce,Secretary of Friends of the Sheriff’s Office, Chair of theConsumers Advisory Council of the US Postal Service,and she also volunteers for the Loaves and Fishes program,Habitat for Humanity, and Homeless and Youth programs.The Local Board Member of the Year was Rev. RayScribner from La Fontaine Center, Huntington, Indiana.Ray has served on the La Fontaine Center Board ofDirectors since 2001. A native of Maine, he served inthe US Air Force from 1956 to 1960, attended theUniversity of Maine and Bangor Theological Seminary.He is an ordained minister in the United Church ofChrist and served churches in Maine, Michigan, andIndiana prior to his retirement in 2011. Ray is alsoa member of the Huntington Exchange Club and haschaired the Huntington CROP Walk for many years.TransitionsDuring this period the following board and team memberspassed away: Board members Lloyd M. Cole, DonaldJordan, Sr. Manor, Garden Grove, California; WayneEngel, Escalon Heritage House, Escalon, California; Ausbie6Lenoir, University Center, Indianapolis, Indiana; Marion E.Robinson, Malone Manor, Lincoln, Nebraska; and Elsie LeeWeaver, Village Pointe, Norfolk, Virginia. Team membersincluded Lydia Klein, the wife of RHF founder Rev. ReinholdKlein. Lydia served as volunteer secretary in the earlyyears of RHF; Kay Scripter, former Manager of Great PlainsHousing, North Platte, Nebraska; Sherraine Smith, LVN,The Cloisters, Deland, Florida; and Linda Stone, 30-yearteam member at Bixby Knolls Towers, Long Beach, California.Promotions included Crystal Torres to Occupancy Specialist,Than Do to Accounting Supervisor, Genti Rama toAccounting Supervisor, Christopher Mullen to Directorof Information Technology Services and Information SecurityOfficer, Cynthia Lyons to Executive Secretary, CherylHowell to Vice President of Administrative Services,Executive Assistant to the President, and AssistantCorporate Secretary, Emily Hidalgo to North CentralRegional Manager, Carlos Adame to Senior Accountant,Barbara Blazer to Assistant Occupancy Manager, and KevinGilchrist to Senior Director of Development and Finance.Retirements included Billie Culverson, Administrator,Mayflower Gardens; Deborah Holling, Administrator, BixbyKnolls Towers; Ardis and Jim Gentry, Co-managers, LakeElla Manor; Bernadette Kuszack, Manager, Malone Manor;Rose Mary Kwock, Housing Accounting Manager; SusanSiverling, Manager, Southdale Tower; and Linda Forsberg,Manager, 300 Main. Don King is retiring from the RHFBoard of Directors with this annual meeting after havingserved on the Board for 26 years. He has 34 years ofservice including his leadership on the board of CathedralPioneer Church Homes, Sacramento. Mary King is alsoretiring from the RHF Advisory Commission.We thank our 2,800 team members as well as our 244national and local board members and our 68 advisoryboard members for helping to make the mission a realityin the lives of more than 18,000 people, 24 hours a day,seven days a week. One hundred and two of our teammembers work in the national headquarters office and tenin our regional offices. Almost 1,000 of our team membershave been employed with RHF for 5 to 39 years.•We continue to work with the conferences of the UCC,Council for Health and Human Service Ministries of theUCC (CHHSM), and ecumenically with other churches, aswell as cities, counties, states, service clubs, and nationalorganizations. CHHSM is celebrating its 75th Anniversarythis year.(Continue on page 8)

Richard Henken, President & CEOof Schochet Associates2012 Friend of the ElderlyJay Schochetof Schochet Associates (ret.)2012 Friend of the ElderlyDorothy SandersIngleside Manor (Macon, GA)2012 Volunteer of the YearElsie DixonIngleside Manor (Macon, GA)2012 Resident of the YearRev. Ray ScribnerLaFontaine Center (Huntington, IN)2012 Local Board Member of the YearDiane WinkAnciano Tower (Montrose, CO)2012 Manager of the Year7

On A National Scale• Brian Magnone continues to serve on the Board ofCHHSM and Cheryl Howell on the Nominating Committee.• Robert Amberg serves on the LeadingAge CaliforniaLegal Committee and the Nonprofit OrganizationsCommittee of the Association of Corporate Counsel,the LeadingAge Legal Committee, and CHHSM’s 75thAnniversary Committee. Deborah Stouff serves on theAdvisory Committee of the Southern California Chapterof the Society of Corporate Secretaries and GovernanceProfessionals. Stephanie Titus continued to serve asPresident of the Inland Empire Chapter of the Associationof Fundraising Professionals. She was also recertifiedas a Certified Fundraising Executive, a designation heldby 5,400 professionals internationally. I serve on theLeadingAge California Public Policy Committee.• Frank Rossello and I continue to serve on the boardof the National Affordable Housing Trust (NAHT) andI chair the board. In 1986 RHF and National ChurchResidences formed this nonprofit organization withthe mission of preserving and developing affordablehousing. NAHT was the first nonprofit syndicator inthe nation. Since then Volunteers of America, MercyHousing, and the Evangelical Good Samaritan Societyhave become members. Since its beginning, NAHThas preserved or developed close to 19,000 units ofaffordable housing in 184 properties, and has assisted inraising over $880 million of tax credit equity. They haveprovided equity from Alaska to Florida and Puerto Rico,and from Washington, DC to California and many statesin between. In 2012 they enjoyed their most successfulyear ever.• RHF received $224,053 in financial gifts and ourcommunities received $192,292, as well as in-kind giftsfor a total of over $416,345. Like many nonprofits,RHF and its communities have felt the economic impactof more organizations competing for fewer philanthropicdollars. We continue to be registered in all states wherewe solicit funds.• In July we completed construction and opened CollegeVillas for occupancy, a 226-unit senior community inHenderson, Nevada.• In February, 2012, we began construction of Lane Manor,a 54-unit senior community in Stone Mountain, Georgia,and a groundbreaking ceremony took place in March.8• In 2004 RHF’s former outside counsel, Bill Kelly andmajor nonprofit affordable housing members came togetherto form Stewards of Affordable Housing for the Future(SAHF) to promote and advocate for national housingpolicies which preserve and expand the supply of affordablerental housing.In addition to RHF, the members today are EvangelicalLutheran Good Samaritan Society, Homes for America,Mercy Housing, National Church Residences, NationalAffordable Housing Trust, NHP Foundation, NHT/EnterprisePreservation Corporation, Preservation of AffordableHousing, The Community Builders, and Volunteers ofAmerica. Together, SAHF members own and operatehousing in 49 states, the District of Columbia, PuertoRico, and the U.S. Virgin Islands – providing homes tonearly 100,000 low-income households.SAHF is called upon by members of Congress, theBipartisan Policy Center, and HUD to comment on ournation’s housing policy, and we have met with HUDSecretary Shaun Donovan and Assistant Secretary CarolGalante on several occasions to discuss possible changesto the nation’s affordable subsidy programs.At SAHF’s initiative, we have also had the privilege ofmeeting with senior White House staff and on a regularbasis with a select group of State Housing Finance Directors.Frank Rossello and I serve on the Board of Directors.• We continue to recognize Caring Communities as avaluable provider of liability insurance protection and riskmanagement services to RHF. As an original member, RHFhas participated as an owner and policyholder for 11 yearsand, as a result, we have benefitted by receiving cumulativedividend distributions amounting to $6.2 million. Wecontinue to credit these dividends to our properties basedupon their respective share of premiums paid and theirloss experience. Membership in Caring Communitiescontinues to grow by appealing to the highest qualitynot-for-profit senior housing and care organizations acrossthe country. Currently there are 32 members. CaringCommunities has an “A- Excellent” rating from A.M.Best,the leading rating agency for the insurance industry.Robert Amberg and I continue to serve on the Board ofDirectors. Robert serves on the Claims Committee and Iserve on the Underwriting Committee.(Continue on page 10)

Rev. Reinhold Klein, Lydia Kleinand Dr. Laverne Joseph.Lane Manor (Stone Mountain,GA) groundbreaking in Marchof 2012.Rita Bales turned 101 in May of2012. She lives independently inRHF’s Capital Court in Corydon, IN.Dr. Laverne Joseph with U. S. CongresswomanLucille Roybal- Allard at The Whittier’s (LosAngeles, CA) groundbreaking.Capitol Towers(Hartford, CT)9

On A National Scale• The RHF Foundation continues to be approved as aCombined Federal Campaign member, making it easierfor federal employees to make a donation to us throughpayroll deduction and/or check. RHF joined severalState Employee Charitable Campaigns, making it easierfor state employees to make a donation to us throughpayroll deduction and/or check.• We have 63 persons residing in our communities whohave celebrated 100 or more birthdays. Our oldestresident Annie Ladd passed away at 107. She lived atThe Cloisters in DeLand, Florida. She voluntarily gaveup her driver’s license at the age of 103 because shehad never had an accident and she wanted to keep thatperfect record. She believed that if she was ever in anaccident, whether it was her fault or not, she would beblamed for causing it. She was a sharp lady up to thetime of her death.• The Whittier, a 60-unit family community in LosAngeles, California, started construction in June.• Capitol Towers a 144-unit senior community inHartford, Connecticut, began rehabilitation constructionin May which was completed in December.• RHF has been refinancing and rehabbing a numberof our HUD 202 properties in Indiana. Constructionbegan on University Center, a 50-unit senior communityin Indianapolis, and Charles Major Manor, a 50-unitsenior community in Shelbyville, in April and wascompleted in July. Refinancing for The Towers atCrooked Creek (167 senior units in Indianapolis) andThe Towers at Southdale (140 senior units in Anderson)closed in April and the rehabilitation effort for these twocommunities, plus Adam and Bruce (50 senior units inFort Wayne) began in July. Construction was completedon Adam and Bruce in December.• We held a dedication ceremony in January 2012 forthe newly remodeled Horton Rehab Center at BixbyKnolls Healthcare Center. Funds for the remodel weregraciously donated by the Wesley Horton family.10• Two years ago Immanuel United Church of Christ,Evergreen Park, Illinois, proposed that RHF takeImmanuel Residences, an early HUD 202 consisting of24 apartments. Finally in November, HUD approved themerger of Immanuel Residences with The Heartland inPeoria for operational purposes. This property, which isbeing refinanced, will provide funds to rehabilitateImmanuel Residences. We expect the closing with HUDto occur in the coming year.• Pioneer Towers, Sacramento, completed a $10 millionrehabilitation in December.• In May RHF was selected to be the managing generalpartner of The Towers of Jacksonville in Jacksonville,Florida. There were five finalists competing to take onthis project, and the board selected RHF to rehabilitateand manage this 194 unit building. We expect closingto occur shortly. They said that of all the nonprofits theyconsidered, we were far and above the best, which is thereputation we want to have.• Broadwood Terrace, 89 senior units in Los Angeles, andLas Alturas, 78 senior units in Los Angeles both received9% tax credit awards in October.• RHF signed the purchase contract to acquire EssexVillage (109 senior units) and Kings Grant (156 familyunits) in North Kingston, Rhode Island, and the StateHousing Finance Agency approved financing in October.• In November RHF was selected by Peace Ministries’Board to be the managing agent of Peace Village, locatedin Palos Park, Illinois. Ground was broken for thiscommunity by Peace Memorial United Church of Christin 1987 just before I became President and CEO ofRetirement Housing Foundation.• RHF received a bond allocation and 4% credits inNovember for Congregational Tower (186 senior units),which was sponsored by First Congregational UCC,Chula Vista, California and which joined the RHF family.• We continued 50th Anniversary celebrations.• We participated in CHHSM’s 74th Annual Meeting inSt. Louis, LeadingAge’s 51st Annual Meeting in Denver,and the 51st Annual Meeting of LeadingAge California inPalm Springs.(Continue on page 12)

Pioneer Towers(Sacramento, CA)The Towers of Jacksonville(Jacksonville, FL)Las Alturas(Los Angeles, CA)2012 SAGE Award WinnerDedication of Horton Rehab Center -Roy and Patricia Horton cut the ribbonon Bixby Knolls Towers’(Long Beach, CA)new rehab center.Essex Village(North Kingston, RI)11

Good Stewardship• Our Corporate Compliance and Privacy Officer, RiskManagement Department, and Nurse Consultants continued towork with all of our market-rate administrators in customizingand implementing several risk management tools.• Our Compliance and Privacy Officer continues to ensurethat all staff and board members avoid conflicts of interestand any violations of laws and regulations.• Our Internal Audit Director completed audits on ten ofour communities, as well as several corporate activities tobe sure we are doing everything correctly.• 50 HUD communities received Real Estate AssessmentCorporation (REAC) inspections in 2012. The averagescore was 88. The following communities received ascore of 99: Lindsay Place, Mesquite Gardens, MissionPalms, and Towne Creek Apartments.• A number of our communities were recognized asthe best in the area. Auburn Ravine Terrace, AuburnCalifornia, was voted best for the second time. Bishop’sGlen, for the 22nd consecutive year, was voted best inHolly Hill, Florida. Mayflower Gardens, Lancaster,California, was voted best retirement center 11 timesin the past 12 years. Westminster Village, Clarksville,Indiana, was voted best for the fourth time. GoldCountry Assisted Living, Placerville, California, wasvoted best in the area for the fourth year in a row. TheCloisters, Deland, Florida, was voted best of the best.Colonial Heights and Gardens received the Best ofFlorence, Kentucky award. Park Place, Seattle, Washington,received a healthy work site award from King County, andalso received the outstanding advocacy award from LeadingAgeWashington. Bishop’s Glen, Gold Country, and AuburnRavine all received 5-star ratings for their skilled nursing units.• Angelus Plaza received the 2012 Gold NuggetAward – Best Remodel Project for its $43,000,000rehab completed in 2011.• As we have said in previous years, RHF and all of ourcommunities have endorsed LeadingAge’s Quality Firstprogram. Our healthcare communities continue to receivebetter ratings than the national average.12• Management and Occupancy Reviews (MOR) wereperformed on 12 communities (fewer than previousyears due to HUD’s canceling of MORs from October 1,2011 through March 31, 2012 because of the ContractAdministrator bid process). One property, North Capitolat Plymouth, received a “Superior” rating; two received“Above Average”; and nine received “Satisfactory.”• In 2010 we began RHF 50th Anniversary celebrations inour communities, holding four in the second half of 2010,another 89 in 2011, and 41 in 2012 for a total of 134celebrations in 20 states, Puerto Rico, and the US VirginIslands. The remaining celebrations will be held in 2013.• Trying to be energy conscious, Auburn Ravine Terraceinstalled an ozone laundry system, which saves moneyon gas and water. Bixby Knolls Towers installed newenergy saving lighting in the underground parking garage.Courtenay Springs Village installed a geothermal coolingsystem, which saves on water and utilities. Seattle CityLight and Power removed all resident apartment lightbulbs and replaced them with energy efficient bulbs atno cost to Park Place. Energy consideration is and willbe an ongoing process.• Information technology is very important to operationstoday, and we are pleased that the ITS department is onceagain fully staffed. We have formed an Information SystemsSteering Committee to be sure that the needs of alldepartments are coordinated.• We implemented a NOVAtime time and attendancesystem and new time clocks for all healthcare communitiesand two affordable housing pilot sites.• We completed various system upgrades includingHealthMEDX, Vision MDS 3.0 regulatory changes,ACS Management Plus, Move-N Marketing System,NOVAtime, and Sage donor database. We implementedthe RealPage OneSite system to replace ACS-Managementfor the affordable housing portfolio, and implemented theHealthMEDX Touchscreen electronic charting system toreplace CareTracker.(Continue on page 13)

• In addition to new construction and majorrehab, financed in part with low-incomehousing tax credit equity and bonds, in 2012our communities invested more than $20.9million to maintain, upgrade, and improveexisting properties.Auburn Ravine Terrace(Auburn, CA)• We put in place process changes to enablethe medical health insurance premium costto print on the employee W2s as requiredunder the Affordable Care Act.• Our Corporate Compliance and PrivacyOfficer continued to provide oversight andsupport for RHF’s operational departmentson various compliance policies, procedures,and issues, and assisted in investigating andaddressing compliance concerns. We havealso revised, created, or updated over twodozen HIPAA privacy policies, procedures,and/or forms to comply with new federalregulations.• Market rate and affordable housingmanagement teams were trained in usingthe RiskWatch incident reporting program.• Risk Management developed and rolledout a detailed quarterly property fire safetyrisk assessment inspection list for facilitymanagers.• In order to take advantage of lowerinterest rates, Park Place, Esperanza, andthe RHF national office were refinanced.• Completed ADA studies of obligatedgroup communities and developed along-term ADA plan.• Aging Services of California recognizedAngelus Plaza with a Community ServiceAward for providing quality service to seniors.• We completed the strategic planningprocess and the charitable giving planwith consultants which were funded by aMacArthur Foundation grant.North Capitol at Plymouth(Washington, D.C.)Iowa State SenatorAmanda Ragan, Dr.Joseph, and Iowa StateCongresswoman SharonSteckman celebratedRHF’s 50th at PilgrimPlace (Mason City, IA).Elvis brought downthe house at Casade Piños’ 50thAnniversarycelebration.Miracle Manor(Edna, TX) letthe whole townknow that it wascelebrating RHF’s50th Anniversary.(Continue on page 14)13

Looking ForwardSome of the things on the horizon for this year include:• Completion of construction and dedication of Lane Manor, Stone Mountain, Georgia, and The Whittier, LosAngeles.• Construction starts for Las Alturas, 78 apartments, and Broadwood Terrace, 89 apartments, both in LosAngeles; Barringer Gardens, 49 apartments in Charlotte, North Carolina, and Darson Marie Terrace, 55apartments in San Antonio.• Beginning rehabilitation construction on Congregational Tower, Chula Vista, California, and Jacksonville Towers,Jacksonville, Florida.• Sign the documents to combine operations of The Heartland and Immanuel Residences.• Complete the acquisition of Essex Village and Kings Grant, North Kingston, Rhode Island.• Hold re-dedication ceremonies for Pioneer Towers, Sacramento, and Capitol Towers, Hartford, Connecticut.• Begin refinancing of HUD 202 portfolios in Nebraska, Wisconsin, Texas, and Virginia, as well as a communityin Northern California.• Begin the rehab of the Agape Senior Center at Angelus Plaza.• Start the rehab construction on Vistas and West Valley Tower, Van Nuys, California, and hopefully St. JamesPark, Los Angeles.• Implement the charitable giving plan with additional staffing.• Review staffing and space for additional positions in the corporate office, including a Chief Operating Officer.• Provide leadership and assistance to UCC General Synod 29 to be held in Long Beach.• Continue upgrades to our communities.• Continue evaluation of new opportunities and communities who would like to join the RHF family.• Complete the mortgage modification of College Villas.• Take on the management and complete the transfer of physical assets for an affordable housing community inthe Dallas area which is being transferred to RHF by another sponsor.• Complete the training of all field staff on One-Site conversion.• Consider refinancing additional properties to take advantage of lower interest rates.• Continue to evaluate the impact of National Healthcare on our health insurance program.• Participate in CHHSM 75th Anniversary in Oak Brook, Illinois; LeadingAge California Annual Meeting inMonterey; LeadingAge National Annual Meeting in Dallas; and the International Association of Homes andServices for the Ageing in Shanghai, China.• With the downsizing of new construction awards for HUD 202s and the elimination of California redevelopmentagencies, which takes a billion dollars a year out of affordable housing new construction, we will continue toadvocate for programs to address this critical need for affordable housing in our nation.Thank you for your past and current support. The theme for this yearis “RHF creating a brighter future for people.” And it takes all of ustogether to implement that brighter future today and tomorrow.Let it shine!Laverne R. JosephPresident & CEO14

Lane Manor (Stone Mountain,GA) will open in early Spring.Broadwood Terrace(Los Angeles, CA)will break ground inApril of 2013.Congregational Tower(Chula Vista, CA) willbegin an $8.9 millionrehab project in 2013.Vistas (Van Nuys, CA) will undergoa $4.2 million rehab project.With the acquisition of Essex Village andKings Grant in North Kingston, Rhode Island,RHF will have a presence in 27 states.15

Voluntary and Involuntary CharityRHF does not evict anyone due to inability to pay. Itshould, however, be noted that inability to pay andunwillingness to pay are not the same thing.Benevolent care and rental concessions are voluntary.Write-offs, contractual adjustments, and uncollectiblefees are not voluntary, and we must rely upon privatepay residents and charitable contributions to make upthe difference. Obviously, no organization can remain inexistence with a negative bottom line year after year.• In 2012, we had “involuntary” charity in the form ofcontractual adjustments from Medicare and Medicaid inthe amount of $6,811,263. Also $712,716 in fees forrent and services were determined to be uncollectible.• During 2012, rental concessions were made by ourcommunities in the amount of $1,837.580. Throughdonors’ contributions to the Resident BenevolenceFund, residents received grants of $76,120 to cover aportion of their rent. Support through benevolence andconcessions enables our residents to continue to livein our communities even though their resources havediminished. The grand total of all these categories is$9,437,679 compared to $6,039,190 last year.16The RHF Difference2012 Social Accountability ReportRHF is a faith-based, national, nonprofit provider of housing and services for older adults, limited income families, andpersons with disabilities; and most of our communities are incorporated as 501(c)3 nonprofit corporations. (The exceptionwould be our tax credit properties, but in those communities the managing general partner is a nonprofit.) What is thedifference between a for-profit and a nonprofit? The basic answer is to follow the money. In a for-profit, a positivebottom line may be distributed to owners or stockholders. In a nonprofit, it is used to further the mission. A nonprofitneeds a positive bottom line because, “No Margin, no Mission.” Alexis de Tocqueville spoke about what distinguishesAmerica from other nations being our three-legged stool made up of government, for-profits, and nonprofits. For example,in this current economy, and it is being discussed today, if persons and organizations were ever to lose or have theircharitable tax deductions reduced for contributions to nonprofits, that three-legged stool would be seriously diminished.Even though many people would give generously because they believe so strongly in the mission, it is likely that somefor-profit companies would be inclined to give less.“Social Profits”Nonprofits are sometimes called social profits because we are organizations offering services that benefit society. In almostevery case, nonprofits are exempt from federal and state income taxes and, in most cases, from real estate taxes, as well.Consequently, we believe that we must go beyond the core mission of providing housing and services for more than18,000 persons 24 hours a day, 7 days a week. And RHF does much more. We as nonprofits need to tell our story,because if we don’t tell it, the general public may not know. As part of our story, here is our annual social accountabilityreport listing some of the things we do for the public good, both as an organization and individually. This is the ninthyear we have included a social accountability report with our annual report.Investing in Our Future• Five of our skilled nursing communities provide practicumsites so that certified nursing assistants, licensed vocationalnurses, and administrators in training from local schoolscan get hands-on training as part of their education.• Twenty-one of our locations including our nationalheadquarters served as polling places.• RHF believes in investing in staff and board education andgrowth. We invested hundreds of thousands of dollars ineducation and improving skills for our 2,800 team membersand our national, local, and advisory board members.Resources were used for attending conferences, educationalseminars, participating in webinars, training sessions,continuing education and college tuition reimbursement.• Over the course of the year, our communities employed147 high school students, hopefully introducing themto what it means to be a responsible citizen in society, apractical education which should help them in their futurecareers.(Continue on page 18)

San Antonio’s Rotary Clubprovided a holiday meal toresidents at Oak Knoll Villa(San Antonio, TX).Bixby Knolls Healthcare Centerprovides practicum sites for trainingarea certified nursing assistants.RHF’s Management Training Conferencein Omaha, NE for managers in ourSouthwest, North Central, Mid Westand East Coast regions.Towne Creek Apts(McKinney, TX)organizes freehealth screeningsfor its residentsand seniors in thecommunity.Residents at The Cloisters(Deland, FL) honor America’smilitary during Memorial Dayservices in their community.17

Within Our RHF Communities• 2,049 persons volunteered 96,939 hours to RHFcommunities and the national headquarters officehelping in a variety of ways. This does not include thenumerous hours that our national and local and advisoryboard members contribute each year.• RHF Team Givers donated $31,820 to the RHF missionthrough payroll deductions and gifts throughout the year.• Through the donations of residents, staff, and Mattel,Inc., toys and gifts were given to the RHF children in ouraffordable family communities. Since the launch of thisgift program in 1996, the number of children we serveduring the holiday season has grown to 730. We thankour 20 volunteers (we call them the RHF Wrappers)from St. Mary Tower, who wrapped these toys alongwith RHF team members, Maggie Engelberg and JustineAbendschan and Advisory Commission Chair, AliceSexton and two of her friends.• The Bixby Knolls Towers Residents’ AssociationScholarship Committee presented ten scholarshipsof $1,000 each to students who are family membersof Bixby employees.We Are a Good Neighbor• RHF conducted a fundraising campaign to assist thevictims of the devastation from Hurricane Sandy whichhit the East Coast in November 2012. RHF matcheddonor contributions dollar for dollar up to $50,000and participation from our communities and staff washeartening in this economic climate. For this effort,we again partnered with UCC congregations, which webegan with the Japan Tsunami Disaster Relief campaignin 2011. $14,574.00 was donated by individuals andRHF communities. An additional $4,099.85 was donatedby our partner UCC congregations.On January 4, 2013 RHF sent $37,347.70 to OneGreat Hour of Sharing, a program supported by theUnited Church of Christ and several other denominations.• Approximately 4,090 residents participated in RHFProject H.A.N.D.S.® (Helping Angels National DonatedSupport) program where residents make clothing and otheritems for children and victims of abuse.The items are distributed in homeless shelters, shelters forthe abused, and children’s hospitals. Last year 27,505items were made from donated yarn and sewing materials.Eighty of our communities participate in the ProjectH.A.N.D.S.® program. Donations of materials comefrom individuals, churches, residents, families, andbusiness partners.Over 980 agencies, businesses, and organizations havepartnered with us and we appreciate their involvementand support. Every year we hear wonderful stories fromthe agencies who receive these hand-crafted items aboutthe difference that they make in the lives of their clients.Residents also get real satisfaction in doing this good work.• 1,361 persons donated $407,642 and approximately73,750 hours to 631 nonprofit and community organizations.• 4,200 persons attended meetings held in RHF communityrooms, representing 344 different community groups.We Contribute to the Economy• RHF and our communities made a significant impact onlocal economies through our local staff. In 2012 grosswages of $69,258,000 were paid in 113 communities inwhich we have a presence.• We also provided nearly 1,200 temporary constructionjobs which infused approximately $18.2 million in wagesand salaries in addition to the purchase of materials. Wehad five projects under construction in 2012: CollegeVillas, Pioneer Towers, Capitol Towers, Lane Manor andThe Whittier.This is a quick picture of what RHF does beyond the basic mission of providing housing and healthcare services for personswho live in our communities.Our team members are not mandated to report their volunteer hours andcontributions. If all team members were reporting the good works they do,the numbers would increase dramatically.Thanks to all of you who have shared what you are doing to make a differenceLaverne R. Josephin our world!18

St. Mary Tower residentsvolunteer every year to wrapdonations from the Annual ToyDrive. This year they wrappedmore than 730 gifts.Residents at Auburn RavineTerrace participate in RHF’sProject H.A.N.D.S.®Construction workers dotrench work at The Whittier(Los Angeles, CA) site.Residents at Harvest Pointe(Loveland, CO) make pillowcasedresses for girls in Uganda.Residents at Olson Rotary Village (Delano, CA)collected canned food for theCommunity Connections Center.19

The RHF Leadership TeamRHF Key Staff(Top - L-R) Andres Diaz, Development Project Manager; KentSteckbeck, Director of Budgets, Reimbursements and Analysis;Chris Purcell, Controller; Tina Robinson, Accounting Manager- Housing Department; Salvatore Ingrao, Accounting Manager- Housing Department; and Phil Mosqueira, Accounts PayableManager. (Seated, L-R) Jackie Dizon-Ng, Healthcare AccountingManager; Adrianne Eng, Network Services Supervisor; JenniferStaley, Director of Payroll Services; and Dolores Quijano, CashAdministrator.RHF Board of Directors(From Left to Right) Dr. Laverne R. Joseph, TomMasuda (Treasurer), Donald W. King, Christina E. Potter,(Vice Chairperson); Stewart Simington, Rev. Dr.Norma Nomura DeSaegher, Rev. Harold Schultz, JeanDremstedt, Frank Jahrling, Dr. John Trnka (Chairperson),Dr. John Bauman, Dr. Darryl M. Sexton, (Vice Chairperson);and Ray East.RHF Advisory CommissionCol. JohnDeSaegher (ret.)Ginger JosephCaroline EastVice ChairAlice SextonChairMelody SchultzRoberta JahrlingSecretaryBill WarrickYuri MasudaShirley Trnka20Barbara BaumanMary KingRev. Dr. RobertPotter

RHF Principal StaffCheryl Howell, Executive Assistant to the President,VP - Administrative Services and Assistant CorporateSecretary; Robert Amberg, Sr. VP and GeneralCounsel; Anders Plett, VP - Acquisitions and ProjectDevelopment; Deborah Stouff, VP - Corporate Recordsand Corporate Secretary; Peter Peabody, VP - HealthcareOperations; Brian Magnone, VP – Treasury; (Sitting, L-R)Frank Rossello, CFO and VP – Finance; Nada Battaglia,VP - Human Resources; Richard Washington, VP –Business Development; and Stuart Hartman, VP –Affordable Housing Operations.RHF Key Staff(Top, L-R) Chris Ragon, Director of Communications; Greg Hook,Construction Project Manager; Kevin Gilchrist, Senior Director ofDevelopment Finance; and Joanne Silva, Director of Occupancyand Tax Credit Compliance; (Seated, L-R) Florence Webb, SeniorDevelopment Project Manager; Conrad Dungca, Internal AuditDirector; and Stephanie Titus, Director of Charitable Giving.(Absent - John Clow, Director of Risk Management ; ChristopherMullen, Director of Information Technology Services & InformationSecurity Officer; Angie Chappell, Healthcare Reimbursement ServicesManager; and Yolanda Pena, Risk Manager)Regional StaffJanice DelanoHealthcare WestEmily HidalgoNorth CentralThuy HuongSouthwestTeri KennedyNurse ConsultantEast CoastLaVonneMickelsonMidwestChristina BagleyNationalMarketingDirectorJeffrey FergusonEast CoastInez CodeusSoCal IWilliam MeertNurse ConsultantWest CoastPerry GlennSoCal IIWilma WilsonNorthwest 21

RHF Financial HighlightsConsolidated Statements of Financial Position(000’s omitted)AssetsSeptember2012September2011Current Assets $ 66,657 $ 72,169Long Term Investments 50,833 41,760Land, Buildings, Equipment 8,316 8,710(Net of depreciation)Other Assets 69,961 63,700Total Assets** $ 195,767 $ 186,339Liabilities and Net AssetsCurrent Liabilities $ 8,807 $ 7,831Long Term Liabilities 40,534 40,001Subtotal 49,341 47,832Net Assets** 146,426 138,507Total Liabilities and Net Assets $ 195,767 $ 186,338Consolidated Statements of Activities(000’s omitted) Year Ending Year Ending9-30-12 9-30-11Revenues - Unrestricted22Management Fees $ 14,816 $ 14,220Interest Income 593 488Other 9,372 6,315Total Revenues - Unrestricted $ 24,781 $ 21,023Expenses - UnrestrictedGeneral and Administrative $ 14,441 $ 14,282Fundraising 153 41Depreciation and Amortization 779 726Other 2,148 2,246Total Expenses - Unrestricted $ 17,521 $ 17,295Change in Net Assets, Unrestricted 7,260 3,728Change in Net Assets, Restricted 659 26,153Change in Total Net Assets $ 7,919 $ 29,881**Total Assets and Net Assets includes temporarily restricted balances of $63,948 and $63,289, in 2012 and 2011, respectively.RHF financial statements are presented for convenience and information purposes only, and while reasonable effortshave been made to ensure the integrity of such information they should not be relied upon. A copy of the audited financialstatements will be provided upon request.

Current Liabilities Current Liabilities $ 8,807 $ 8,807 $ 7,831$ 7,831 Fundraising Fundraising 153 153 41 41Long Term Long Liabilities Term Liabilities 40,534 40,53440,001 40,001 Depreciation Depreciation and Amortization and Amortization 779 779 726 726Subtotal Subtotal 49,341 49,34147,832 47,832 Other Other 2,148 2,148 2,246 2,246The financial information presented is for the parent organization only. As such, the entitiesincluded are the following:Net Assets Net ** Assets ** 146,426 146,426 138,507 138,507Total Liabilities Total Liabilities and Net Assets and Net Assets $ 195,767 $ 195,767 $ 186,339$186,339Retirement Housing FoundationFoundation Property Management, Inc.RHF Foundation, Inc.(INSERT ATTACHMENT)(INSERT ATTACHMENT)Total Expenses Total Expenses - Unrestricted - Unrestricted $ 17,521 $ 17,521 $ 17,295 $ 17,295Change in Change Net Assets, in Net Unrestricted Assets, Unrestricted 7,260 7,260 3,728 3,728United Congregate Care, Inc.Retirement Enterprises, Inc., Delaware$Retirement Enterprises, Inc., CaliforniaRHF Management, Inc.Change in Change Net Assets, in Net Restricted Assets, Restricted 659 659 26,153 26,153Change in Change Total Net in Total Assets Net Assets $ 7,919 $ 7,919 29,881 $ 29,881HighlightsHighlights HighlightsWorking Capital Working CapitalCash / Short-term Cash / Short-term and Long-term and Long-term Unrestricted UnrestrictedInvestments Investments$60,000$60,000$64,000$54,000$44,000$34,000$24,000$64,000$54,000 $57,850$44,000$34,000$24,000$57,850$64,338$64,338$50,000$40,000$30,000$20,000$50,000$40,000$30,000$20,000$53,016$53,016$49,555$49,555$14,000$14,000$10,000$10,000$4,000 $4,000(000's omitted) (000's omitted) 2012 2012 2011 2011$0 $0(000's omitted) (000's omitted)2012 2012 2011 2011Total Net Total Assets Net AssetsChange in Change Total Net in Total Assets Net Assets$140,000$120,000$140,000$146,426$120,000$146,426$138,507$138,507$30,000$25,000$30,000$25,000$100,000$80,000$60,000$100,000$80,000$60,000$20,000$15,000$20,000$15,000$29,881$29,881$40,000$40,000$10,000$10,000$20,000$20,000$5,000$5,000$7,919$7,919$0 $0(000's omitted) (000's omitted) 2012 2012 2011 2011$0 $0(000's omitted) (000's omitted)2012 2012 2011 2011The** TotalfollowingAssets andisNeta summaryAssets includesoftemporarilyaffiliatedrestrictedentities,balanceswhichof $63,948are notandconsolidated$63,289 in 2012 andin these2011, respectively.financial statements:** Total Assets and Net Assets includes temporarily restricted balances of $63,948 and $63,289 in 2012 and 2011, respectively.RHF financial statements are presented for convenience and information purposes only, and while reasonable efforts have been made toEntity ClassificationNumber of Entitiesensure the integrity of such information they should not be relied upon. A copy of the audited financial statements will be provided on request.Not-for-profit single-purpose entities owned and receiving government 104subsidy, currently in operationNot-for-profit healthcare facilities owned, currently in operation 18Not-for-profit properties owned, managed by others 12Not-for-profit partnerships in operation 18(ownership interest ranging from .01 percent to 16.9 percent)Properties managed for third party owners 3Not-for-profit properties owned, currently in development 12Total Entities Not Consolidated 167RHF financial statements are presented for convenience and information purposes only, and while reasonable efforts have been made toensure the integrity of such information they should not be relied upon. A copy of the audited financial statements will be provided on request.C:\Users\tom\Desktop\AnnualRpt_Graph 2012.xls 2012.xls23

1965Mayflower GardensLancaster, CA1966Bixby Knolls TowersLong Beach, CAPioneer HouseSacramento, CA+Pioneer CongregationalUCC+Trinity CathedralEpiscopal Church1970Plymouth SquareStockton, CA+First CongregationalChurch of Stockton1971Bixby KnollsHealth Care andRehabilitation CenterLong Beach, CAMayflower GardensConvalescent HospitalLancaster, CA1974Pilgrim Tower North**Pasadena, CARalston TowerModesto, CA+Trinity UnitedPresbyterian Church+St. Paul’s EpiscopalChurch(MACHCO)24ChronologicalListing ofCommunities1975Sun City GardensSun City, CA1976Harbor Tower**San Pedro, CA+Warren Chapel AfricanMethodist Episcopal ChurchMacArthur Park Towers**Los Angeles, CA1978Pioneer Towers**Sacramento, CA1979Auburn Ravine TerraceAuburn, CA+First CongregationalChurch of AuburnPilgrim Tower EastPasadena, CA1980Mayflower Gardens IILancaster, CASouthpointe VillaRialto, CA1981Angelus Plaza**Angelus Plaza North**Los Angeles, CACrooked Creek TowerIndianapolis, INSouthdale TowerAnderson, IN1982The HeartlandPeoria, IL1982 (cont.)Plymouth PlaceStockton, CAYellowwood TerraceClarksville, IN1983Diakonia Housing IRancho Cordova, CADiakonia Housing ISacramento, CAMarple ManorModesto, CA+MACHCOWest Valley TowersVan Nuys, CA+St. Mark’s Episcopal Church1984Gold CountryHealth Care CenterPlacerville, CALongfellow PlazaAnderson, INMonona MeadowsMonona, WIWestminster HealthCare CenterWestminster VillageKentuckianaClarksville, IN1985Charles Major ManorShelbyville, INCulver City Rotary PlazaCulver City, CA+Culver City Rotary ClubDonald Jordan, Sr. ManorGarden Grove, CA+Acacia Adult Day ServicesLake Ella ManorTallahassee, FLPioneer ManorGeneva, NE+First Congregational UCCRedding RHF Housing- Butte Home- Cottonwood HomeRedding, CARound House ManorKaukauna, WI1986300 MainEstacada, OR+Housing Options ofClackamas CountyAnciano TowerMontrose, COBishop’s GlenHolly Hill, FLCarbon Creek ShoresAnaheim, CA+ Dayle McIntoshCenter for DisabledThe CarolinianFlorence, SCGold Country Retirement CenterPlacerville, CAGreat Plains HousingNorth Platte, NE+Great Plains MentalHealth CenterLaFontaine CenterHuntington, IN+Historic LandmarksFoundation of IndianaLomita Kiwanis GardensLomita, CA+ Lomita Kiwanis ClubMalone ManorLincoln, NE+Malone Community CenterPauahi Kupuna HaleHonolulu, HIPinehurst ApartmentsPalestine, TXPinewood ManorBremerton, WA+Mt. Zion Baptist ChurchSan Jacinto ManorSan Jacinto, CASt. Mary Tower*Long Beach, CADignity HealthUniversity CenterIndianapolis, IN+University Methodist ChurchVilla at Sacred Heart*Indianapolis, INHispanic Housing Services, Inc.

1986 (cont.)VistasVan Nuys, CA+Valley Presbyterian HospitalCourtenay Springs VillageMerritt Island, FL1987Centennial ManorBoise, ID+University Christian ChurchCourtenay Springs VillageMerritt Island, FLEscalon Heritage HouseEscalon, CA+Saron Lutheran Church+Escalon ChristianReformed Church+Escalon Presbyterian ChurchFajardo Elderly ApartmentsFajardo, Puerto RicoMadison Heritage ApartmentsMadison, IN+Madison Presbyterian ChurchMission PalmsMission, TXPilgrim PlaceMason City, IA+First CongregationalChurchFajardo Elderly AptsFajardo, Puerto RicoPrairie Grove ApartmentsEast Prairie, MO+East Prairie Chamberof CommerceRedding Pilgrim HouseRedding, CARiver CityResidence ClubSacramento, CA+Transitional Livingand CommunitySupport, Inc.1988Dogwood ApartmentsMilledgeville, GAThe GatewayPoway, CAAdam & Bruce Apts.Fort Wayne, INPlymouth PlaceStockton, CAGuadalupe SeniorApartmentsDenver, CO+Del Norte NeighborhoodDevelopment Corp.Maple City SquareLa Porte, IN+St. Paul UCC+Co-sponsor*Third Party Management**Syndicated ProjectStone Creek VillagePhoenix, AZ25

1988 (cont.)Marymount ManorTacoma, WA+Sisters of St. DominicOlson Rotary VillageDelano, CA+Delano Rotary ClubRichardson ManorMilwaukee, WIVacaville Autumn LeavesVacaville, CA+California Grange1989Anaheim Memorial ManorAnaheim, CACamelot VillageCouncil Bluffs, IACasa de PinosPrescott, AZCimarron CourtKearney, NEColonial HeightsFlorence, KYThe ConcordPasadena, CAGaslight ApartmentsConverse, IN+Kokomo OIC, Inc.Lakeview ManorStorm Lake, IALoess Hills EstatesGlenwood, IAMiracle ManorEdna, TXWestover ManorCedar Rapids, IA1990Bennett PlacePittsburgh, PA+Action Housing+ Operation Better BlockCapital CourtCorydon, IN+ Hoosier ValleyEconomic OpportunityCorporationGrace PlaceNorfolk, VA261990 (cont.)La Mirada VistasLa Mirada, CALindsay PlaceLindsay, OKMill Pond ManorSaline, MI+Evangelical Homes ofMichiganPecan PlaceBonham, TXSangnok VillaLos Angeles, CA+Korean American ChristianEvergreen Assn.Villa NuevaLos Angeles, CAWinslow ManorWinslow, AZYorkshire PlaceCape May, NJ1991Crescent ManorMesquite, TXKemet HouseChesapeake, VALaurel Park ManorLos Alamitos, CAMesquite GardensMesquite, TXTowne Creek ApartmentsMcKinney, TXVerde ViewCamp Verde, AZ1992Adam and Bruce ApartmentsFort Wayne, IN+True Love MissionaryBaptist ChurchNew Hampshire ApartmentsLos Angeles, CAStone Creek VillagePhoenix, AZSunny Isle Housingfor the ElderlyChristiansted, St. Croix,The Virgin IslandsValley View ApartmentsManitowoc, WI1992 (cont.)Wilshire HouseSanta Monica, CA1993Virginia Park ApartmentsDes Moines, IA1994Cocalico PlaceEphrata, PA+Bethany UCCHarry and Jeanette WeinbergPhilip Street ApartmentsHonolulu, HI1996The Carlin**Arlington, VA1997Cardosa VillageSacramento, CA+Transitional Living andCommunity Support, Inc.Granada GardensGranada Hills, CAHaven 501 Apartments(Madison Avenue)Los Angeles, CAHaven 501 Apartments(Burlington Street)Los Angeles, CAHaven 502 ApartmentsLos Angeles, CARio Vista Village**Los Angeles, CA1998Creekbend GardensHouston, TX2000Abbey ApartmentsIndianapolis, INDeSmet Retirement CommunityFlorissant, MOSt. CatherineRetirement CommunityFlorissant, MOThe CloistersDeLand, FL2001Colonia Jess LopezLos Angeles, CAColonial GardensFlorence, KYCornerstone GardensHouston, TXEsperanza Apartments**Seattle, WAPark PlaceSeattle, WASymphony Plaza East**Symphony Plaza West**Boston, MAThe Stearns**Boston, MA2002Amistad Plaza**Los Angeles, CABenson ManorSmyrna, GASeabury Heights**Worcester, MA2003Binnall HouseGardner, MAGateway GardensPoway, CAHollyview**Los Angeles, CAIndependence SquareEvansville, INKing James CourtOrange, MAPine CrestOrange, MAVillage PointeNorfolk, VA+First Baptist Church ofLambert’s Point2004Los Arcos**Poway, CALowell PlaceBakersfield, CA+Bakersfield Senior CenterMason Place**Boston, MANorth Capitol at PlymouthWashington, D.C.+PlymouthCongregational UCC

2006Douglas HouseBrockton, MAHamilton WadeBrockton, MAIngleside ManorMacon, GANorthvale VillageHouston, TXOak Knoll VillaSan Antonio, TX2007Farrfield ManorColumbus, GAProvidence PlaceSalem, OR2008Bexton PlaceSan Antonio, TXHarvest PointeLoveland, CO2009Mount Beulah TerracePagedale, MO2010Desert SageHermiston, ORHarshfield TerraceQuartz Hill, CARiverside Village**Leominster, MAShepherd Park**Hartford, CTVillage GardensNorfolk, VA2012Capitol Towers**Hartford, CTCollege Villas**Henderson, NVCongregational Tower*Chula Vista, CAPeace Village*Palos Park, ILUnder ConstructionLane ManorStone Mountain, GAThe Whittier - FamilyLos Angeles, CACollege VillasHenderson, NVPre-ConstructionBroadwood TerracePaloma Terrace - FamilyLas AlturasLos Angeles, CABarringer Gardens Apts.Charlotte, NCSagetree TerraceHouston, TXDarson Marie TerraceSan Antonio, TXProvidence PlaceSalem, ORSeabury HeightsWorcester, MAPeace VillagePalos Park, IL+Co-sponsor*Third Party Management**Syndicated ProjectBenson ManorSmyrna, GA27

Housing and Services InformationState# Units/ BedsAZ 163CA 7,167CO 166CT 516DC 69FL 942GA 279HI 82IA 194ID 40IL 453IN 1,538KY 247MA 1,894MI 48MO 253NE 116NJ 55NV 226OK 30OR 117PA 113PR 60SC 144TX 634VA 340VI 55WA 317WI 195WA4OR3WA4OR3CA62CA62NV1NV1ID1ID1AZ4AZ4HI2HI2CO3CO3OKTX112IA6OK1MO4Total RHF Housing Units/Beds Equals 16,453NE4TX12NE4WI4IA6ILWI 24 MO4MI1IL IN2 17KY2GA4MI1IN17KYPA22SC1VA5FL4GA4PA2MA11VA5CT2NJ1DCSCPR1 1FL4U.S. VI1NJ1DC1MA11CT2PRU.S. VI1Legend:Greater than 1,500 Units750 to 1,500 Units100 to 750 Units0 to 100 Units# of CommunitiesSenior HousingSenior HousingAssisted LivingAssisted (944) Living(944)Skilled NursingSkilled Nursing (595)(595)Special Needs HousingSpecial Needs HousingFamily (918)Family (918)Residential (13,720)Residential (13,720)Total Senior Units/Beds:15,259 (# Units/Beds)Total Senior Units/Beds:15,259 (# Units/Beds)Mobility Impaired(208) Mobility Impaired Chronically(208)Mentally Ill (56) DevelopmentallyChronicallyDisabled (12)Mentally Ill (56) DevelopmentallyTotal Special Needs Units/Beds: 1194(# Disabled Units/Beds) (12)Total Special Needs Units/Beds: 1194(# Units/Beds)Financing Programs285,000+4,5004,0005,000+4,500 3,5004,000 3,0002,5003,500 2,0003,000 1,5002,500 1,0005002,0001001,500 -1,000500100-Financing ProgramsAngelus Trust (93)Cal-Mtg tax-ex bonds (802)Angelus Trust (93)CHFFA (295)Cal-Mtg tax-ex bonds (802)FmHA (66)CHFFA (295) Harbor Tower Trust (122)FmHA (66) HUD loans (7,777)Mortgage (242)Harbor Tower Trust (122)Tax Credits (4,376)HUD loans (7,777)Tax-Ex Bonds (2,377)Mortgage (242)Our communities may use a mix of sources (HUD, tax-credits, bonds, etc. ) for funding.For the purpose of this graph, we categorize them by primary funding source.Tax Credits (4,376)Tax-Ex Bonds (2,377)- 21 -- 19 -- 19 -

Our Philosophy and Values• We are faith-based and mission-driven.• We believe each person is a child of God and is loved by God, and as such each one isto be treated with respect and dignity.• We are proud of our roots in and relationship with the United Church of Christ. However,we honor the faith and traditions of every religion and the nonreligious, and we will notattempt to impose our faith on others.• We will advocate for public policies which enhance the lives of those whom we seek toserve.• We will be ethical in our business arrangements and we will strive to hold our businesspartners to the same high standards.• Our concern for the whole person includes our residents, their families, and our staff,and we will strive to be fair in all our relationships.• We believe the nonprofit community has unique responsibilities and opportunities toprovide shelter and services, especially for those who are most vulnerable in society.• We will practice sound business principles.• We will serve and employ without regard to race, creed, color, national origin, gender,religion, ancestry, age, marital status, physical disability, medical condition (includingpregnancy), familial status, or sexual orientation.• In order to be sure that we are treating our team members fairly and being equitableand competitive in our compensation packages, we will periodically engage experts toprovide guidelines for compensation and benefits.29

30Charitable GivingGood things are happening at RHF. Through the support of the MacArthur Foundation, in 2012 we embarked ona review of our organization’s fundraising activities and programs to produce an evaluation of its charitable givingprograms, to make strategic recommendations for future activities, and to develop a strategic plan for fundraisingoperations, which would generate significantly greater philanthropic support. The need has never beengreater, with the increase in the population of older adults coinciding with cutbacks in government funding. Weare ready to meet this challenge by continuing to provide the funds to advance the mission of RHF.It is through the commitment and support of our donors - individual, foundation and corporate - that RHF enhancesthe quality of life for thousands of people. RHF is appreciative of each donor for their generosity and beliefin our mission.Stephanie Titus, CFREDirector of Charitable GivingThank you Major DonorsWe are grateful to the following businesses that contributed a major gift to the RHF mission.They were recognized during our 51st Annual Meeting in February 2012.$20,000U. S. Bank$7,500Schochet Associates, Inc. SullivanCurtisMonroeHD Supply Reuben, Raucher & Blum$5,000California Bank & Trust$3,500Latham & Watkins, LLP Dauby O’Connor & Zaleski Cook ConstructionNational Affordable Housing Trust Westport Construction$2,500Novogradac & Co., LLP$1,500Bank of AmericaAccurate Business Results Direct Supply Equipment Alpha Construction Merrill LynchClifton Larson Allen, LLP Harvey & Beth Oringher - Theodora, Oringher, Miller & Richmond PCQuest Construction Morrissey Construction California Enterprise Community InvestmentWASH Multifamily Laundry Systems Bonne, Bridges, Mueller, O’Keefe & Nichols KTGY GroupKlein Hornig, LLP Walton Construction Ice Miller LLP$1,000Michael Orber & Associates$750Hill Ward Henderson DaVinci Communications M Group - Architects Sheraton Cerritos HotelTrefethen Floral Design Ungaretti & Harris, LLP Yokota & AssociatesPalmer Kazanjian Wohl Hodson, LLPbelow $749Benrich Services Criterion Brock Flooring The Abo Group Staples Advantage

“We support RHF because they build and provide services tothe nation’s seniors. Manyof these folks are veterans, formereducators, civil servants, mothers, fathers, etc. that have servedand nourished future generations. They deserve to be treatedwith respect and utmost care in their twilight years. RHFrecognizes those contributions and gives its seniors theirhighest priority.”– U. S. BankRHF Circle of FriendsThe RHF Circle of Friends is our legacy society. There are many ways to qualify formembership, such as RHF gift annuities that provide lifetime income to the donor, lifeinsurance, real estate gifts, charitable remainder trusts, and gifts from pension fund assetsand/or simply including RHF in your Will or Trust. For more information in confidenceand without obligation, contact Stephanie Titus, Director of Charitable Giving at 562- 257-5141.We are grateful for our RHF Circle of Friends members:Karolla BriceJean G. DremstedtBernice E. Elkin, MDRobert S. Fliehmann*Burton L. FrenchAlice R. Good*Rev. Dr. Teruo & Kiku KawataEveleth “Evie” Miller*Major Fitzhugh L. O’Neill*Virginia PaddockEric H. Pierson*Jane ShenbargerMiriam P. Vandenbush*Richard Walinch*Eleanor J. WestVera Wolpert*(*indicates members who have passed away)Lydia Cerveny*Raymond E. EastDr. and Mrs.* Charles FainDolores P. FogaToshiko Okazaki Fukuda*Wanda Haudek*Laverne R. JosephJean Moore Warrick*Jean H. P. OppenheimerEdythe PattersonMarian RhaneElsie ValekAnna Mae Wakefield*William L. WarrickNorman A. Whaley*RHF Foundation Approved As a Combined Federal Campaign (CFC) MemberIn the summer of 2012, RHF Foundation was again notified that our CFC application was approved. Thismakes it easier for federal employees to make a donation to us via payroll deduction and/or check. Wereceived assistance from Aging and Disabilities Charities of America (ADCA), a non-profit organizationand a federation that reviews applications and distributes donated funds. There are currently more than 30federations within the CFC, most of them, like ADCA, organized around a specific theme. Approximately1,900 national organizations and 40,000 local organizations qualify for the CFC annually.31

2012NationalHeadquarter’sDonorsOur DonorsThe following donors gave a monetary gift to the designatedfunds (inlcuding the Hurricane Sandy Relief Fund) through thenational headquarters office from 1/1/12 through 12/31/12:300 MainBoard of DirectorsCleofe AbadAccurate Business ResultsAging DisabilitiesCharities AmericaJuan AlvarezYoung S. AnBuena AngelElizabeth AngelAngelus Plaza KoreanResident AssociationTevye AnikstAnonymousSiranouch AposhianSima ArtamonovaJessie AzaliWon T. BaeMartha BakerJeanne W. BamschBank of the WestYelena S. BarkovaDr. & Mrs. John (Jack) BaumanAlmabella C. BautistaAnn H. BeckemeyerCarmelita M. BellBenrich ServicesLeana BentleyShirley BergBethel Congregational ChurchEvangel BettridgeArmenouhi BezdjianLashay BlackBonne Bridges MuellerO’Keefe & Nichols32Ivis M. BouressaMayya Sheveleya BraverKarolla BriceKaren E. BrittMr. & Mrs. Mike BrooksDiana BuddJulia E. BullaEdward BurchillIrina BystritskyManuel CastroMary CelentanoCarlos CervantesChong Soo ChaVenkat R. ChalanKay ChanOctave P. CharlesCenaeda CharriaCatherine M. CheathamAbram ChechelnitskyIn Jong ChoJung Hyun ChoKi Sun ChoSoon Young ChoVeronica S. ChoJames Suk-Bum ChoiMr. & Mrs. Angelo Chang ChonWilliam ChoyChaim E ChungChun Pil ChungJung Hee ChungAlice ClancyKeith ClarkCherri CliffordClover Durable MedicalEquipment, LLCMary W. ClysdaleCocalico Place ResidentsJosephine M. ColemanMr. & Mrs. James W. CollinsonRichard ColonCorona Del MarCommunity ChurchMina CraigDavid CristCriterion Brock FlooringBillie CulversonBetya DashevskayaBrenda De RitaRev. Dr. Norma & Col.John De SaegherDeacon Charitable FoundationLinda DearingIgnacia Buena DediosAlice DeppelerKaren DetweilerFrank DietzDirect SupplyCarol A. DixElsie DixonBlanquita DizonAntoinette DobsonErnestine DodsonHazel DodsonMorrison W. DodsonDorothy DomenicoDennis DouglasJean G. DremstedtMaxine DruschCynthia C. DuffordSherrie B. DuncanAnne M. DunhamMr. & Mrs. Raymond EastJune EbbertLena EdelMargery A. EdgertonDr. Bernice B. ElkinVicky EllisAnna M. EmmonsElaine EnriquezFrancisco EstradaTanouyei EthelRashel FahmiMarvin W. FanninDina FilimonovFirst CongregationalChurch of HartlandFirst United Church, UCCFirst Universal Missionary ChurchRaisa FlaumGersh FleishmanPedro FloresLinda L. ForsbergMaria Araceli FrancoRev. John FrankDolly FrederickRev. Victoria FreiheitBen FujitaWest FunkBenjamin Quiambao GarciaMaria GarciaMark GiventerVitaly GlazerFeny GoldmanIllya GoldmanRichard A. GondolfSusan GonzalezJury GorodetskyEva Sue GorrelDr. June GoudeyNelli GoulanyanWanda GriffinMaria GrigoryanMargarita Guzman

Our Donors“Supporting RHF enhances the lives of seniors,improves the quality of our community andrecognizes the contributions that our biggest heroesmake to society.”– Capital ForesightJames I. Haley, Jr.Sun Kum HamDenise HammerEui Duk HanSung S. HanArthur HanleyBea M. HanleyMarguerite M. HannaFrances A. HarrisMr. Harry HawnHaydenville Ladies AidSocietyHelen HeidenreichMilton HenryAngela M. Castillo HernandezEmerline B. HillLouis P. HoeftKit Ting HonWilliam HoughtonCaroline HoveyMary HowellsMarjory HubbellPaulette R. HulsonIsho Hasso IshoMr. & Mrs. Frank JahrlingFlora JansenJulie JavierFrank JohnsonMr. & Mrs. Larry JonesMelodee A. JonesPhyllis JordanYoung In JungMaria JuradoValeria S. KamenetskayaRev. Harvey KandlerBong Seok KangWon Mo KangYoung Ja KangRobert KarigerRev. Dr. & Mrs. Teri KawataJoan KayZilla KennaDoris KennedyFrances KerrMaya KharitonovaByung Il KimChang Jun KimChong Pom KimChun Chong KimJee T. KimKe Sun KimMoon Mi KimRobert KimSang Rak KimYoung Ja KimYoung Jun KimYoung Sik KimMr. & Mrs. Donald KingDr. Marianna KirwanReinhold KleinRoy A. KlemmSang Ha KoYoung-Kuk KoTamara KolesnikovAnita KristianssonHarry E. KruegerKi Soon KyongJesse W. LandesDoris T. LaneJanet LankfordAdriene LawsByung Ai LeeChun Ja LeeDong S. LeeJung Hee LeeKevin Song LeeSoon Ok LeeTea Bum LeeVirginia LevequeWan Sik LewLinda ListoeNancy LockhoffFrances LohLos Altos UCCLos Angeles Filipino-American UCCAnita J. LoweAnna LucasClarence MahanKevin ManzMarlene MartinD. Kathleen MasonMr. & Mrs. Tom MasudaRae C. MaurerJudith McGinnessMr. & Mrs. James T.McGowanVivian McGuireJanice M. McNeillyDr. & Mrs. Dailey McPeakFlora MejicanosJose MelendezHugh G. Merriman, Jr.Olive M. MillerHelen MillsMission Palms ResidentsKima MkrtchyanWilliam H. MoncriefHelen MooreJudith B. MooreMr. & Mrs. Norman M. MooreFatemah Haji MoradiLena MorgolisMikhail MoshkovichManijeh B. MotlaghWayne MullinGadarina NajarianRita G. NealyNeighborhoodCongregational ChurchBarbara J. NelsonMaria G. NelsonWilliam R. NiehoffMansoureh NilkhaniTsiliya NismanDavid NohDoo Bok NohRose A. NorrisMildred H. NorthBeverly NorthrupAlice NunezMildred OatesOdor ElinimatorMary O’NeillBerdia OquinnSemen Orgievskaya33

Our Donors“I give because I feel RHF’s Benevolence Fund is a very goodcause. My heart aches for people in need. I can’t give to eachindividual resident, however I can make sure the residents canget help when they need it. I am confident that the Board seesthat those most in need get the help they require.”– Lynne LichtensternManager, Los Arcos Apartments (Poway, CA)Maria OrozcoAntonio OrtizBo Ock PakSuk Ran PakPark Place ResidentsYoung Shin ParkDale ParkerPartners For A Better WorldAlbert PedregonHelen J. PeikerViolet PetersCarlos PinedaGrigory PoloshchenkoAudrey PoolerRev. Dr. & Mrs. Robert PotterFlorence PowellMikhail ProkopenkoLeandra PujolOk Y. PyonCarol RaineyMargaret M. RauenWilliam ReillyPetra ReynagaCatherine RhinesNinette RichardsonBarbara Gray RichleyMaria RiveraYolanda RiveraJae Yong RoDiana RobertsRosie RobinsonGuadalupe RochaManuela L. RoqueSara RozhanskavaAzatouhi SadafianTeresito San DiegoGloria SanchezJuan SanchezSima SapozhnikovaMary SappRichard M. SchallJane SchatzleinIda SchegolDavid SchneiderRev. & Mrs. Harold Schultz, Jr.Winona ScottRaymonde SearsSeaside Community ChurchMr. & Mrs. Stanley J. SekerkaStaplesMichael L. SeltzTheresa Sempepos PodEsfir SerebrenikovaDr. & Mrs. Darryl SextonMargaret ShelbournRev. Donald ShenkSoon N. ShinLeona I. ShipleyMira ShklyarStewart M. SimingtonZenaida A. SobredoAlys F. SolarRoy SoliwodaClarence Solt, Jr.Jae Chang SongDarnelle A. SorensenJo Ann SorrensenSue StaceyPaula SuchyDomingo SungaDairoku SuzukiSinkie Goshu TaddesseSui May TamSusana C. TambaganNina TarshisMattie Mae TaylorLela ThomasRose TittorTomas TorresDimlay TranTho V. TranDr. & Mrs. John TrnkaUnited Church ofLake San MarcosUnited Church of the ValleyUnited CommericalTravelers of AmericaUS BankLois VarwigKira VasilevskayaJohn D. VertiganMartha VerwayneTatyana VinnikVirgin Mary EthiopianOrthodox Tewahedo ChurchVirginia ParkActivity AssociationJanet E. VodenickerAdelia VoronchukHarry WallaceDr. Hazel WallaceRonald WallaceJeanette WarnerWarner Bros. TelevisionProductionAnnastasia WarykJoseph C. WellsEleanor WestMr. & Mrs. Roger K. WestonJohn WhiskerJane WhiteLucile M. WhittierKathryn S. WilburJudy Ann WilliamsYong Deuck WonCharles A. WrightRobert J. WyrozynskiSeung Hun YangYong Sun YoonChung Hee YoonHelen M. YoungKeith Sang YuTimothy ZalesnyMasha ZaretskayaZyama Zeldin34

2012 Designation of Gifts to the RHF FoundationAffordable Housing Fund - $16,403Resident Benevolence Fund - $57,897Affordable Housing Fund –L.R. Joseph - $123,143Toys for RHF Kids - $7,126Other - $745RHF Disaster Response - $18,739RHFFUNDSDonors wishing tohelp our mission maydesignate theircontribution for anyof the following RHFestablished funds:· Affordable Housing Fund - assists RHF in preserving and creating new affordable housing.· The Laverne R. Joseph Housing Fund - a fund established by our Board of Directors in honorof our President/CEO and his accomplishments to further the affordable housing mission.· Clark Harshfield Affordable Housing Building Fund - in honor of one of our founders.· Resident Benevolence Fund - provides funds to RHF residents who cannot afford to livein their RHF home anymore.· Jean Moore Warrick Endowment Fund for Resident Benevolence - an endowment fundin memory of Jean Moore Warrick, RHF’s board member who dedicated twenty-five yearsof volunteer service to making a difference in the lives of our residents.· Children’s Education Fund - provides grants for RHF children and young adults to financiallyhelp with clothing, books, supplies, tuition and tutoring services. It is the intention of thefund to help break the cycle of poverty through education.· Annual Holiday Toy Drive Fund - provides holiday toys for RHF children-in-need. We distributedover 730 toys to RHF kids in 2012!®· Project H.A.N.D.S. - RHF residents give their handmade items which are knitted, crocheted orsewn to organizations who serve those living in shelters.The purpose of RHF Foundation, Inc. is to provide through gifts and managed funds, financial resources which assist RHF (Retirement HousingFoundation). RHF Foundation, Inc. supports RHF’s dedication to providing quality housing, health and support services. RHF’s services areprimarily for older adults, persons with disabilities and low-income families of all faiths, and enhance the physical, social and spiritual aspectsof their lives. RHF Foundation, Inc. strives to assist RHF in its commitment to acting as a resource for the communities in which it operates.35

Our DonorsDONATIONS TO RHF COMMUNITIESThe following donors contributed a monetary gift to the corresponding community from 1/1/12 to 12/31/12:Angelus PlazaLos Angeles, CAAngelus PlazaLos Angeles, CAAngelus PlazaLos Angeles, CAAngelus PlazaLos Angeles, CALillian AbelAccurate BusinessResultsAFL-CIO HousingInvestment TrustJoung AhAll TemperaturesControlled, Inc.Jerry AndersonAngelus Plaza ResidentsAngelus Plaza StaffBank of AmericaBellwether EnterpriseReal Estate CapitalBenrich ServicesKyung BoCalifornia CommercialInvestment CompaniesCapital ForesightHu Ping ChangJoan ChangHarry ChenJeannette ChiangDaniel Dai Shoon ChoiOk Ran ChoiSarah ChoiYoung Su ChuSuk Jong ChungCity National BankJustin CooperGregg CummingsZeeda DanieleMr. & Mrs.JulianDe La TorreChantal DennyDirector’s BureauPeter ElliottRyan Bradley ExlineChris FosterMan Yuen FungGood Samaritan HospitalGrand Central Square LPAndrew GrossH D SupplyMatthew HaasRan Ja HannHarbroHighridge Costa InvestorsSoon Chang HongChant-Lin HuangByong HwanSook Hui HyunICON BuildersInnovative PaintingJones Hall - A ProfessionalLaw FirmJoy IsaacsTiena Johnson-HallKyu Sun JongSuzy JungYoung Sook Kim KangP. G. KeszeyAngela Junghee KimChoon Ja KimDong Yoon & ChangHae KimGap Yi KimHae Weol KimIn Bac & Ok K. KimJung KimJung Bin KimJung N. & Jeong Mi KimKae Ok KimKap Sun KimSun Yi KimTak Ki KimPatricia KoscherKTGY GroupGeum Ok KwonSoo Jin & In Duck KwonL.A. Council ofFilipino AmericansLancaster PollardChung Ok LeeDuk Soon LeeJae H. LeeJeh Bin C LeeKil Ja LeeNam Joo & Jae Woon LeeOk Hee LeeOk Young LeeSam Ho LeeTeresa LeeYang S. LeeLegion of MaryPhoebe S. LiebigDr. Richard LieboffLittle Tokyo PharmacyM. LuiYen Wen LiuLTSC CommunityDevelopment CorpReginald McCreeNicholas MegoMichael A. Orberand AssociatesJeffrey MionKi Hwang NaNAHTNoon Downtown GroupGrace J. OhKisun PaekChong Cha PakKyong Ye PakShin Hak & Suk Soo PangYoung Sung PangChun Sook ParkGrace Soon Jin ParkSoon Bok Oh ParkSung Yul ParkMichelle PeutetEva PlasencioPreservation PartnersLouise PretteysJordan PynesSonia RahmMaurice RamirezBongyi Choi RamseyRelated CaliforniaFrank RosselloKwang Jin SeoSeoul Medical GroupPong H. & Young J. ShinJae S. SinUn Kik SouthSean SpearSRO Housing Corp.Son Cha & Song Uok SuhBrian TalbotThomas Safran& Associates HousingTTG (TMAD Taylor & Gaines)US BankConnie Salazar VallesValley CrestWestport Construction, Inc.Chong Yol WooYoo Kwang YangPao Chu YenCho Cha YiJung Hwa YooCharles Ho YoonHye O. YoonKyung Boon YoonKatie Yoohoon YounKaren & Johnson YuBixby Knolls TowersLong Beach, CABarbara BakerCapital CourtCorydon, INSt. Bernard Catholic ChurchJames PendletonMurphy Elevator Company36

Our DonorsFarrfield Manor residents enjoyed a niceluncheon celebrating RHF’s 50thanniversary, made possible throughgifts made to underwrite the event.A generous donation from Home Depot is thereason Harvest Pointe (Loveland, CO) residentsnow enjoy a gazebo.Casa de PinosPrescott, AZGranada GardensGranada Hills, CALos ArcosPoway, CASt. Mary TowerLong Beach, CAKenneth MillerBrewer Plumbing, Inc.Cimarron CourtKearney, NECharter CommunicationsDeSmetFlorissant, MOLorraine FreebersyerFarrfield ManorColumbus, GADorothy BrownVerda CheeksCaroline HoveyRosa HowardLuverne KindrexAlice KnightAlberta MarshalJuanita MartinRuth OliverSt. Marys RoadPharmacyAnonymousShirim ha EmekGroup of HadassahHarvest PointeLoveland, COBrightstarIndependence SquareAmerican SanitaryLa Mirada VistasLa Mirada, CABarbara FloresLane ManorStone Mountain, GATower ConstructionVicky EllisLinda HeadMGroup, Inc.Connie McInturffLinda NewsomeDebra HutchingsPanera BreadClaire GaborRegina Lynn LichtensternSandra SkinnerWal-MartMarple ManorModesto, CAMarple Manor ResidentsOlson Rotary VillageDelano, VADelano Rotary ClubPilgrim PlaceMason City, IADiamond Jo Worth, LLCFirst Citizens BankFirst Congregational UCCPioneer HouseSacramento, CACPCH FoundationRalston TowersModesto, CAChampion IndustrialFarmers & Merchants BankThe WhittierLos Angeles, CABank of AmericaZwick-Verticon ConstructionUniversity CenterIndianapolis, INUnited Student Aid FundStacey MooreValley ViewManitowoc, WIValley View ResidentsFirst Reformed UCC ChurchAttention to DetailManitowoc Pharmacies, Inc.Carpetland USAKersten PaintingNichol’s ElectricWestminster VillageKentuckianaClarksville, INGlenn L. DeringAlice Collis & Associates, Inc.37

ASpecialThankYouOur DonorsU. S. BankFor TheirGenerous 2012Gift of $20,000In Memory Of . . .. . . Kathy AlmersJoAnn EvansMargarita GuzmanRebecca LarsonMargaret RauenSandy Rogers. . . Richard (Dick) BlissDr. Dailey & Nancy Mc Peak. . . Rex & Gertrude ChapmanMr. & Mrs. James CollinsonLucile Whittier. . . Ernest FrankLucile Whittier. . . Alan FurutaMr. & Mrs. Tom Masuda. . .Edwin S. HillEmerline B. Hill. . . Mr. & Mrs. IshoIsho Hasso Isho. . . Louis & Laura KandlerRev. Harvey Kandler. . . Joseph A. Kennedy, Jr.Frances Loh. . . Sui Keun TongM. Lui. . . Lydia KleinDr. & Mrs. Laverne JosephReinhold Klein. . . Alma Mc PeakDr. & Mrs. John Trnka... Genevieve Dodson MeikleCherri CliffordDr. Norma & JohnDeSaegherErnestine DodsonJean DremstedtMr. & Mrs. Ray EastSusan GonzalezJulie JavierMr. & Mrs. Larry JonesDr. & Mrs. Laverne JosephMr. & Mrs. Donald KingAdriene LawsMr. & Mrs. Tom MasudaDr. & Mrs. Dailey Mc PeakMildred OatesRev. Dr. & Mrs.Robert PotterNinette RichardsonWinona ScottDr. & Mrs. Darryl SextonLela ThomasDr. & Mrs. John TrnkaDr. Hazel Wallace. . . Lizanne MoncriefWilliam H. Moncreif. . . Jean Moore WarrickMargery EdgertonMr. & Mrs. Norman MooreLucile Whittier. . . Ruthie MynkStuart Hartman. . . Theresa PetersonRaymonde Sears. . .Bill & Buni RadarLucile Whittier. . . Bill RadarCollen AdamsMr. & Mrs. Ray EastDr. & Mrs. Laverne JosephTom & Yuri MasudaDr. & Mrs. John Trnka. . . Dr. Ron Rose300 Main Board of Directors. . . Katherine TaylorDr. & Mrs. Laverne Joseph. . . Uma & Clarence TeufelMr. & Mrs. Stanley Sekerka. . . Merrill WhittierMr. & Mrs. Tom MasudaLucile Whittier38

In Honor Of . . .. . . Residents of 300 MainLinda Forsberg. . . Shirley LindeSteven Ramirez. . . Maxine MontgomeryDr. Bernice Elkin. . . Kok Eng YuLilette Rosano2012 RHFTeam GiversOur staff members perform important daily duties to make shelter andservice a reality for the 18,000 people we serve. Staff members whoadditionally choose to voluntarily support RHF through monetarydonations are contributing to the fiscal health of our mission. We areextremely grateful for their optional financial commitment as well as theinvestment they already have made with their hearts, lives and careers.The following staff members personally contributed to our mission in 2012:Colleen AdamsFrancis AdarmesLyliana Alvarez De-RenteriaRobert AmbergShana AndersJonas AngelesKen AyalaChristine BacaNada BattagliaLashay BlackDuncan BradburyMarc BraunDonna BunkhongChristine CerratoJohn ChandlerJacqueline ChewPatricia ClarkHeather ClineJohn ClowInez CodeusDave CooleyJanette CooperSherri CosterCarmen CovarubiasBillie CulversonLinda DearingPhilamena DeckerChantal DennyAndres DiazJacqueline Dizon-NgThanh DoConrad DungcaKoley EllingsonVicky EllisMaggie EngelbergJoAnn EvansEmily FennimoreJeffrey FergusonJacqueline FergusonDeborah FischerCelina FloresLinda ForsbergDelia GambinoLynn GamblePerry GlennAnna GraddyMargarita GuzmanDee HammerCalvin HaraDelores HarrisJennifer HartStuart HartmanEmily HidalgoGregory HookEvet HowardCheryl HowellMelissa JacksonKerry JenningsPamela JenningsTerressa JohnsonMelodee JonesLaverne JosephRichard JustinianoKen KaserLorri KavichJudith KeithleyTeresa KennedyArnold KimDeborah KindlerDeborah KirkseyDina-Marie KulzerJesse LandesKathy LarsonRebecca LarsonCharlene Lawrence-RiceRiji LeJulie LemkeDiana LespronLynn LichensternTeresita Sun LiwanagJuan LopezCynthia LyonsBrian MagnoneMark MalloyKathy MammelPamela MaxfieldWilliam MeertLavonne MickelsonMary MidkiffRosaura MoralesBeth MurphyRachel MurphyRita NealyLeah NelsonWilliam NiehoffYoung ParkPeter PeabodyGloria PedregonDelores PetersMary PresslerLaci PriceLarethia PrinceDelores QuijanoChris RagonMargaret RauenJuanita ReynaBarbara RickerTina RobinsonIn blue = Sterling Club members-donation via payroll deductionsSandy RogersRita RootLilette RosanoFrank RosselloCynthia RudonGloria RuizChristina RyanDorothy SandersWendy ScottKristin SharumJudy ShawLuella SheltonPwint SoeMargaret SpillerJennifer StaleyLakisha SteedRhonda StewartJoy StoneJohn Stonecipher, Sr.Deborah StouffMyungeun StricklandSuzanne TaylorEloisa TecKarleen ThorpeStephanie TitusHiroko TodorokiOlga TorresBuffy TresslerFlorence WebbJoella WilleyJudy Ann WilliamsDiane WinkLorna ValenciaSharon YoungPatricia Zappone39

Retirement Housing Foundation Corporate InformationOfficers:National HeadquartersDr. John E. Trnka, Chairperson911 N. Studebaker RoadChristina E. Potter, Vice Chairperson Long Beach, California 90815-4900Dr. Darryl M. Sexton, Vice Chairperson Tel: 562-257-5100Laverne R. Joseph, D.D., President & CEO Fax: 562-257-5200Tom S. Masuda, TreasurerWebsite: www.rhf.orgDeborah Stouff, VP of Corporate Records and Corporate Secretary E-mail: info@rhf.orgCheryl J. Howell, Assistant Corporate SecretaryRegional Management OfficesEast CoastEast Coast Healthcare4300 N. Carlin Springs Road 911 N. Studebaker RoadArlington, Virginia 22203-2006 Long Beach, California 90815-4900Tel: 703-243-0318 Tel: 562-257-5100Fax: 703-243-0718 Fax: 562-257-5200E-mail: jeffrey.ferguson@rhf.orgE-mail: peter.peabody@rhf.orgMidwestNorth Central7519 Beechwood Centre, Suite 600 2508 Comfort DriveAvon, Indiana 46123 Mesquite, Texas 75181Tel: 317-272-0929 Tel: 469-250-4689Fax: 317-272-0999 Fax: 469-250-4882E-mail: lavonne.mickelson@rhf.orgE-mail: emily.hidalgo@rhf.orgNorthwestSouthern California I & II83 Scripps Drive, #320 911 N. Studebaker RoadSacramento, California 95825 Long Beach, California 90815-4900Tel: 916-649-2783 Tel: 562-257-5100Fax: 916-649-2847 Fax: 562-257-5200E-mail: wilma.wilson@rhf.orgE-mail: inez.codeus@rhf.orgE-mail: perry.glenn@rhf.orgSouthwestWest Coast Healthcare9300 South IH-35, Suite A-500 80-166 Catalina DriveAustin, Texas 78748 Indio, California 92203Tel: 512-292-3921 Tel: 760-469-3706Fax: 512-292-3996 Fax: 760-469-3706E-mail: thuy.hoang@rhf.orgE-mail: janice.delano@rhf.orgIndependent Auditors – CliftonLarsonAllen – Certified Public Accountants600 Washington Avenue, Suite 1800 St. Louis, MO 63101Tel: 314-925-4300 Fax: 314-925-4350