Current Annual Report - Retirement Housing Foundation

Retirement Housing Foundation2011 Annual ReportRHFServing TodayEmbracing Tomorrow

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.

Messagesfrom ourLeadership4RHF Fast Facts:- Employs 2,784 peoplethroughout the UnitedStates, Puerto Rico and theU.S. Virgin Islands.- Nearly 18,000 people callan RHF community “home”- We began construction onCollege Villas Apartmentsin Henderson, NV. Nevadais the 25th state that RHFwill have communities in.- We received four HUD202 capital grant awards -totaling 290 units ofaffordable senior housingfor low-income seniors. Inthe 2012 budget, Congressis not funding any newconstruction starts for thisvital program.- We welcomed PilgrimManor (Grand Rapids, MI),a licensed assisted living/skilled nursing community,into the RHF family.- 65 RHF residents are overthe age of 100, with AnnieLadd celebrating 107 yearsof age at The Cloisters inDeland, FloridaRHF Serving Today Embracing TomorrowThe theme for RHF’s 2011 50th Anniversary year was RHF 50 Years OfCaring About People. United Church of Christ Wisconsin ConferenceMinister David Moyer says that when he preaches at church anniversaries,he reminds people of what we tell children when they are learning tocross the street, “Look both ways.” Look back and say, “Thank you Godfor a wonderful heritage and all those who contributed to it.” And thenlook forward and say, “God, what’s next?” Rev. Geoffrey Black, GeneralMinister and President of the UCC says that ministry (mission) takesplace between sacred memory and holy imagination. As we enter our51st Anniversary year, we give thanks for God’s blessings for over fivedecades and for the persons who have served and the persons who havebeen served by the RHF mission. I think remembering the past and askingwhat’s next is implicit in our 51st Anniversary theme Serving TodayEmbracing Tomorrow. We build on our foundations; we serve today,and we plan to serve God’s people for many tomorrows.Before worship on January 8th, I read the back of our church bulletinwhich stated that the UCC Global Ministries define their top priority withtwo words: critical presence – that is meeting people at the point oftheir deepest need in a timely and appropriate way. They mean spiritualas well as material. I thought, that’s what RHF does! There is nothingmore basic than having safe, secure, affordable places to live where careand services can be provided as needed. Without shelter and care,health and spiritual life are severely diminished. I know that with almost18,000 residents in our 166 communities and our 2,784 team members,we cannot please everyone all the time, but frequently I get letters fromresidents and their families like the following:“A big thank you to the staff and manager at Casa de Piños in Prescott,Arizona. I moved here October 1, 2011, and I am very impressed withhow clean and orderly everything is. I enjoy the activities (if I don’tforget!). Again, my hat’s off to everyone.”Sincerely,Wilhelmine Olmsted** Letters printed with writers’ permission(Continue on page 5)

I had not thought about the following words for years but suddenly as Iwas thinking about the 51st Anniversary of RHF I could hear Kate Smithsinging:“ Bless this house, O Lord we pray, make it safe by night and day;Bless these walls, so firm and stout, keeping want and trouble out.Bless the folk who live within...........”What a beautiful way of talking about the 166 homes which are part ofRHF. Wonderful people call RHF their home. In fact those residents arethe keys to the homes that are a part of RHF.Building homes is what we have been celebrating throughout the 50th Anniversary celebrations. It has been a greatcelebration beginning with about 500 of us gathering a year ago to celebrate what has resulted because of our homebuilding. Over and over residents have expressed their love of their homes and how they are working to make theirhome in the future ever better, more caring, more responsive to the needs of their neighbors. They remind me of ourtheme for the 51st Anniversary - “RHF Serving Today Embracing Tomorrow.”I look forward to 2012 and the opportunities we will have to be home builders this coming year.A huge note of appreciation to the more than 2700 members of the RHF Staff who make possible the lovely homes inwhich nearly 18,000 wonderful people live.John E. TrnkaRHF Board Chair“Please accept this letter of sincere gratitude for the outstanding care provided by all of the staff at the Auburn RavineTerrace Skilled Nursing Facility for my father, Clifford Tresidder. He recently passed after a long, and difficult battlewith Parkinson’s, dementia, congestive heart failure, and other related maladies.Throughout his stay of nearly seven months, and despite his decreasing abilities and increasing needs, each of the nurses,CNAs, housekeeping, kitchen,maintenance, and office staff treated my father with the utmost dignity, gentleness, andprofessional medical care. We could not have asked for more.To just say “thank you” for all that the great folks at Auburn Ravine Terrace did for my Dad would not even come closeto what we feel. I know their jobs aren’t easy, but they make it seem that way. They help each other without hesitation,do their jobs with an energy that reflects the true love they have in their hearts, and treat their co-workers and residentswith consideration and compassion.It was truly a blessing to know that we did not have to ever worry about Dad, and that he was in such capable and caringhands. Thank you for your time, hard work, and being there when we needed you.”Sincerely,Bret Tresidder (and the entire Tresidder Family)*When I receive letters like these, I’m reminded of why we are serving today and embracing tomorrow. We are attemptingto meet people at their greatest need.The following pages serve as a snapshot of the past, present, and future. While the financial report contained hereincovers the period of October 1, 2010 to September 31, 2011, my report covers the period from February 1, 2011 toJanuary 31, 2012.(Continue on page 6)5

2011 In Review• We celebrated our 50th Anniversary in February2011 with national management conferences for ourmarket-rate/healthcare administrators, directors of nursing,assisted living directors and affordable housing managers.The annual meeting is a time when we conduct corporatebusiness, and we welcomed delegates from RHF communityboards as well as 26 United Church of Christ (UCC)Conference Ministers.The annual meeting worship service was hosted by FirstCongregational UCC, Long Beach. Preaching was theRev. Dr. James A. Forbes, Jr., Senior Minister Emeritusof Riverside Church in New York City. A combined choirof almost 100 comprised of RHF team members andchoir members from First Congregational and Los AltosUCCs Long Beach and Community CongregationalUCC in Los Alamitos provided music under thedirection of Curtis Heard and David Joseph.Approximately 450 people were in attendance.At the annual business meeting, the Rev. Harold Schultzwas elected to the National Board of Directors Class of2012, and Jean Dremstedt, Raymond East, and Dr. DarrylM. Sexton were re-elected to three-year terms, Classof 2014. The anniversary banquet was held at the LongBeach Hilton and several awards were presented.Larry Minnix, who has served as President and CEOof LeadingAge since 2001, formerly the AmericanAssociation of Homes and Services for the Aging(AAHSA), received the Friend of the Elderly award.LeadingAge is the national advocate for 5,600 nonprofitproviders. 2011 also marked the 50th Anniversary ofLeadingAge. For more than 35 years Larry has beena passionate advocate for leadership and innovation innot-for-profit aging services.RHF 2011 Resident of the Year was Boneata Kautz fromWestover Manor, Cedar Rapids, Iowa. She was the firstperson to move into Westover Manor when the communityopened in November 1989. She has organized potlucks,including set up and clean up, and has served on theresident association and put together fundraisers for theassociation. She is in charge of the exercise class, helpswith Bingo and monthly birthday parties, arranges forthe bus to the grocery store every week, and sets upappointments with the visiting nurses.6Volunteers of the Year were Anita and Forest Wasson whowork tirelessly to provide residents of Mayflower GardensRetirement Community and others in need in Quartz Hill,California with food items. They have expanded their 12-year mission from feeding three families a week to morethan 1,200 people each month.RHF 2011 Local Board Member of the Year was Rev. FritzMellberg also from Westover Manor in Cedar Rapids.Fritz has served as a member of the board since 1993when he became Pastor of Hope United Church of Christ.He is a graduate of Chicago Theological Seminary, andwhile in school he worked as a speech writer and reporterat the UCC Office of Communication in New York City. Inaddition to his governance work at Westover Manor, hehas led Bible studies for residents and staff and encouragedhis congregation to assist with financial contributions tocommunity events.The Manager of the Year award was presented to PamelaJennings from Independence Square, Evansville, Indiana.In 2003, the Deaconess Hospital transferred this123-apartment HUD 202 community to RetirementHousing Foundation. In addition to serving IndependenceSquare, Pamela is one of the leading managers of the Midwestregion and is very willing and eager to help train newmanagers and offer assistance to others when needed.A surprise award was given to me when the Rex ChapmanAward was presented by Rex and Gertrude’s grandchildren,Catherine and John Collinson. They also quoted from aletter that Rex had written in 1997, which I had not heardabout before, in which he said, “I believe that the mostimportant thing I’ve done during the time I’ve been on theBoard of RHF was the recruiting and employment of theRev. Dr. Laverne Joseph for the position of President andCEO.” I was quite moved and humbled by that statement.I thank the RHF Board for this honor.TransitionsDuring this period the following board and team memberspassed away: Board members Richard Dean, PilgrimPlace, Mason City, Iowa; Gilbert D. Gwaltney, West ValleyTowers, Van Nuys, California; Priscilla Savage, CrookedCreek Tower, Indianapolis, Indiana; and team memberCarl M. Cook who served as on-call security at GuadalupeSenior Apartments in Denver, Colorado. Also, Dr. WilliamRader who served on the RHF Board of Directors from1972 to 2005 and chaired the Board from 1989 to1994. Bill was also responsible for organizing the

Modesto Affiliated Church Housing Corporation,which worked with RHF to develop Ralston Towerand Marple Manor; and most recently Kathy Almerswho served at The Carolinian, Florence, SC, as officemanager from 1994 to 2000, and since that time asadministrator.Christina Bagley joined us as National MarketingDirector for our market-rate communities.Irene Armstrong, Corporate Bookkeeper, retired after21 years of service as a member of the headquartersteam, and Ramona Ponce retired as Director of DietaryServices at Angelus Plaza where she was employedsince 1981 when the community opened.Promotions included Joanne Silva from OccupancyManager to Director of Occupancy and Tax CreditCompliance, Deborah Stouff from Director to VicePresident of Corporate Records and CorporateSecretary, Conrad Dungca from Internal Audit Managerto Director, and Jennifer Staley from Payroll Managerto Director of Payroll Services.We welcomed John F. Bauman, Ph.D. and the Rev. Dr.Norma Nomura DeSaegher to the RHF Board of Directorsand Barbara Bauman and Col. John DeSaegher to theRHF Advisory Commission.The Rev. Dr. Teruo Kawata is retiring from the RHFBoard of Directors with this annual meeting after 15years of service, and Kiku Kawata is retiring from theAdvisory Commission.We thank our 2,784 team members (1,644 full time and1,140 part time) as well as our 253 national and localboard members and our 50 advisory board members forhelping to make the mission a reality in the lives of nearly18,000 people, 24 hours a day, seven days a week. Onehundred of our team members work in the headquartersoffice and ten in our regional offices.• We continue to work with the conferences ofthe UCC, Council for Health and Human ServiceMinistries of the UCC (CHHSM), and ecumenicallywith other churches, as well as cities, counties, states,service clubs, and national organizations.Anita &ForestWassonBonita KautzPamelaJenningsLarry Minnix,President & CEOof LeadingAge.Rev. FritzMellberg• Brian Magnone continues to serve as Treasurer onthe Board of CHHSM.(Continue on page 8)7

On A National Scale• Bob Amberg serves on the Aging Services ofCalifornia (ASC) Legal Committee, the NonprofitOrganizations Committee of the Association ofCorporate Counsel, and the LeadingAge LegalCommittee. Deborah Stouff serves on the AdvisoryCommittee of the Los Angeles Chapter of the Societyof Corporate Secretaries and Governance Professionals.Stephanie Titus serves as President of the Inland EmpireChapter of the Association of Fundraising Professionals.I serve on the Housing with Services Steering Committeefor LeadingAge and on the Affordable Housing Sub-Committee for ASC.• I continue to chair the board of the National AffordableHousing Trust (NAHT). In 1986 RHF and NationalChurch Residences (NCR) formed this nonprofitorganization with the mission of preserving and developingaffordable housing. NAHT was the first nonprofitsyndicator in the nation. Since then Volunteers ofAmerica, Mercy Housing, and the Evangelical GoodSamaritan Society have become members. Frank Rossello,VP of Finance, also serves on the board. Since itsbeginning, NAHT has preserved or developed close to18,000 units of affordable housing in 174 properties,and has assisted in raising $780 million of tax creditequities. NAHT is one of the leading syndicators specializingin the preservation of HUD subsidized housing,and in 2011 enjoyed its most successful year ever.• RHF received $214,420 in financial gifts and ourcommunities received $353,601 as well as in-kind giftsfor a total of over $568,021. We continue to be registeredin all states where we solicit funds.• The RHF Foundation continues to be approved as aCombined Federal Campaign member, making it easierfor federal employees to make donations to us throughpayroll deductions and/or check.• We have 65 persons residing in our communities whohave celebrated their 100th or more birthdays, with theoldest being Annie Ladd at 107 who lives at The Cloistersin DeLand, Florida. The title was previously held byAvice Clarke who came to Gold Country Health Center,Placerville, CA, at the age of 110 and passed away inJanuary at the age of 111. She would have been 112 inMay 2012.• In May we completed the $43 million renovation ofAngelus Plaza, our 1,093-apartment affordable seniorcommunity in Los Angeles.8• We completed the financial closing and beganrehabilitation of Pioneer Towers, our 198-apartmentmixed income senior tower located in downtownSacramento.• In June we completed the rehabilitation work atYellowwood Terrace, Clarksville, Indiana, with fundsfrom a $3.2 million green retrofit grant from the U.S.Department of Housing and Urban Development.• In October we welcomed Pilgrim Manor, Grand Rapids,Michigan, into the RHF family. Pilgrim Manor was foundedin 1963 as a retirement home by 22 United Church of Christcongregations. It is the only UCC affiliated long-term carecommunity in Western Michigan. Pilgrim Manor is licensedfor 111 assisted-living beds and 55 skilled-nursing beds.27 assisted-living beds are designated for dementia careservices. We are proud that they chose to affiliate withRHF. Pilgrim Manor’s CEO is Rev. George Heartwell, whoalso serves as Mayor of Grand Rapids.• In November we completed the rehabilitation of ShepherdPark, a 372-apartment senior community in Hartford,Connecticut. This community was the former GoodShepherd Convent and was converted to affordablehousing by State Street Properties.• In December we completed the rehabilitation ofRiverside Village, a 312-unit affordable family propertyin Leominster, Massachusetts. This property was alsoacquired from State Street Properties.• We received a $5.5 million grant from the Los AngelesHousing Department (LAHD) in May and a $12 millionnine percent tax credit award in September for The Whittierin Los Angeles, a proposed 60-unit affordable family community,which should start construction during the first half of 2012.• In November we received four HUD 202 capitalgrant awards for the following proposed senior properties:Broadwood Terrace, 89 apartments in Los Angeles,California; Las Alturas, 79 apartments in Los Angeles;Darson Marie Terrace, 57 units in San Antonio, Texas;and Sagetree Apartments, 65 apartments in Houston, Texas.• We closed on the refinancing of University Center,Charles Major Manor, and Adam and Bruce Apartments,all located in Indiana.• We entered into a purchase contract and starteddue diligence for the acquisition of Capitol Towers, a144-apartment affordable senior tower, sponsored byEmanuel Lutheran Church in Hartford, Connecticut.(Continue on page 10)

Dr. William Rader and his wife, Buni, servedon the RHF Board of Directors and AdvisoryCommission (respectively) from 1972 to2005.Pilgrim Manorjoined the RHFfamily in 2011.Annie Ladd represents thegrowing number of residentswho have reached their 100thbirthday milestone. Annie was107 in 2012.Community leaders cameout to celebrate AngelusPlaza’s completion of their$43 million rehab andRHF’s 50th Anniversary.Rev. Dr. Teruo Kawata and his wife, Kiku, areretiring from the RHF Board of Directors andAdvisory Commission (respectively).9

On A National Scale• We entered into a contract with the CommunityCongregational Development Corporation for therehabilitation, joint ownership, and long-term managementof their 186-apartment affordable senior tower in ChulaVista, California.• We dedicated Harshfield Terrace, a 75-apartmentaffordable senior community adjacent to the campus ofMayflower Gardens and Mayflower Gardens II in QuartzHill, California, named after one of our founders, theRev. Clark Harshfield. We also celebrated the openingof the assisted living unit on the Mayflower Gardenscampus.• We dedicated Village Gardens, a 40-apartmentHUD 202 senior building adjacent to Village Pointe inNorfolk, Virginia. Together these two communities total100 apartments.• In 2004 RHF’s former outside counsel, Bill Kellyand major nonprofit affordable housing members cametogether to form Stewards of Affordable Housing forthe Future (SAHF) to promote and advocate for nationalhousing policies which preserve and expand the supply ofaffordable rental housing. In addition to RHF, the memberstoday are Evangelical Lutheran Good Samaritan Society,Homes for America, Mercy Housing, National ChurchResidences, National Affordable Housing Trust, NHPFoundation, NHT/Enterprise Preservation Corporation,Preservation of Affordable Housing, The CommunityBuilders, and Volunteers of America. Together, SAHFmembers own and operate housing in 49 states, theDistrict of Columbia, Puerto Rico, and the U.S. VirginIslands – providing homes to nearly 100,000 lowincomehouseholds. SAHF is called upon by membersof Congress and HUD to comment on our nation’shousing policy, and we have met with HUD SecretaryShaun Donovan and Assistant Secretary Carol Galanteon several occasions to discuss possible changes tothe nation’s affordable subsidy programs. At SAHF’sinitiative, we have also had the privilege of meeting withsenior White House staff and on a regular basis with aselect group of State Housing Finance Directors.• We complied with MDS (Minimum Data Set) 3.0.CMS (Centers for Medicare and Medicaid Services)had not made any changes to its assessment in morethan ten years. The changes made were dramatic andintroduced the concept of resident voice, which includesthe completion of four resident interviews and focusesmore on resident directed care.10• We complied with the new IRS Form 990, which hasvery much expanded disclosures for nonprofits.• We continue to recognize Caring Communities as avaluable provider of liability insurance protection and riskmanagement services to RHF. As an original member,RHF has participated as an owner and policyholder forten years and, as a result, we have benefitted by receivingcumulative dividend distributions amounting to $5.1million. We continue to credit these dividends to ourproperties based upon their respective share ofpremiums paid and their loss experience. Membership inCaring Communities continues to grow by appealing tothe highest quality not-for-profit senior housing and careorganizations across the country. Currently there are 32members. Caring Communities has an “A- Excellent”rating from A.M.Best, the leading rating agency for theinsurance industry. Bob Amberg and I continue to serveon the board of directors. Bob serves on the ClaimsCommittee and I serve on the Underwriting Committee.• We continue discussions with several UCC organizationswho are interested in joining the RHF family.• We participated in CHHSM’s 73rd Annual Meetingin Kansas City, Missouri, LeadingAge’s 50th AnniversaryMeeting in Washington, DC together with the InternationalAssociation of Homes and Services for the Ageing and the50th Annual Meeting of Aging Services of California inMonterey.• We attended and had a display at the UCC GeneralSynod 28 in Tampa, Florida.• We completed the RHF Five-Year Strategic Plan withthe assistance of consultant Sutherland-Edwards andfunding from the MacArthur Foundation.• We renewed the Obligated Group Letters of Credit.• We refinanced The Cloisters in DeLand, Florida.• We closed on Lane Manor in Stone Mountain, Georgia- a 54-unit HUD 202 community.• We held a groundbreaking ceremony and beganconstruction of College Villas, a 226 apartment, taxcredit community for older adults in Henderson,Nevada.(Continue on page 12)

Harshfield Terrace was namedafter one of RHF’s founders -Rev. Clark Harshfield.National Boardmembers andexecutive staffparticipate instrategic planningmeetings.Residents and guests enjoyThe Cloisters’ Atrium duringthe 50th Anniversary celebrationat that community.Dr. Joseph with HUD’sRichmond ActingField Office Director,Charles Famuliner atthe Dedication ofVillage Gardens(Norfolk, VA).Nevada State Senator MikeSchneider speaks at thegroundbreaking of RHF’sfirst community in Nevada,College Villas.11

Good Stewardship• While nationwide healthcare costs were projectedto rise by 10% or more, we were able to achieve only asmall increase in our premiums. As a result, RHF wasable to absorb 100% of the increase and no changeswere made to the employees’ payroll contributions, co-paysor deductibles. In addition, we were able to add a newbenefit effective July 1st called Health Advocate. HealthAdvocate is a new resource to help employees get answerson a variety of healthcare issues.• In terms of information technology, we’ve rolled outthe time and attendance NOVAtime program at ournational headquarters and Bixby Knolls Towers. Weexpanded the use of electronic medical records. Wecontinued virtualization technology to reduce costs andenergy consumption.• RHF’s workers’ compensation loss experience reductionin claim activity during the past few years has positionedus for favorable renewal premium rates. There was noincrease in the renewal premium due to our loss history.On the property side we had more damage than usualdue to storms, plus a higher incidence of resident“forgetfulness.”• 25 HUD communities received Real Estate AssessmentCorporation (REAC) inspections in 2011. The averagescore was 89 – up from the previous year’s score of 81.Desert Sage Manor, Hermiston, Oregon, received 100out of 100.• A number of communities were recognized as thebest in the area: Auburn Ravine Terrace in Auburn,California, was voted Best of the Best for the secondtime. Bishop’s Glen Retirement Center, Holly Hill,Florida, was voted Best for the 21st consecutive yearin independent living and fourth consecutive year inassisted living and skilled nursing. Mayflower Gardens,Quartz Hill, California, Best Retirement Center forthe 10th time out of the past 11 years. WestminsterHealthcare Center, Clarksville, Indiana, was voted theBest Assisted Living in the area for the third time, andWestminster Village Kentuckiana was voted Best RetirementCommunity in the area for the fourth time. Gold Country,Placerville, California, was voted Best in the area for thefifth time. We try very hard for superior facilities andservices, and it’s great when the surrounding communitiesrecognize our efforts.12• Bishop’s Glen Retirement Center in Holly Hill, Florida,received a five-star rating from CMS and Plymouth Squarein Stockton, California, had its five-star rating renewed.• As we have said in previous years, RHF and all of ourcommunities have endorsed Leading Age’s Quality Firstprogram. Our healthcare communities continue to receivebetter ratings than the national average.• Management and occupancy (MOR) reviews wereperformed on 65 HUD communities. Eleven propertiesreceived a “Superior” rating: Benson Manor (Smyrna,GA); Casa de Pinos (Prescott, AZ); Crescent Manor(Mesquite, TX); Crooked Creek Tower (Indianapolis,IN); Gaslight Apts. (Converse, IN); Independence Square(Evansville, IN); LaFontaine Center (Huntington, IN);Maple City Square (La Porte, IN); Mesquite Gardens(Mesquite, TX); Monona Meadows (Monona, WI); andVillage Pointe (Norfolk, VA). 27% fewer communitiesreceived MORs in 2011 due to HUD’s canceling of MORsfrom October 1, 2011 through March 31, 2012. 23received “Above Average,” 30 “Satisfactory,” one “BelowAverage,” and none received an “Unsatisfactory” rating.• In addition to new construction and major rehab,financed in part with low-income housing tax credit equityand bonds, in 2011 our communities invested more than$13,860,000 to maintain, upgrade, and improve existingproperties.• We began RHF 50th Anniversary celebrations in ourcommunities in the second half of 2010 and during 2011held celebrations in 89 more of our communities, bringingthe total held to 93.• Our Corporate Compliance and Privacy Officer, RiskManagement Department, and Nurse Consultants continuedto work with all of our market-rate administrators in customizingand implementing several risk management tools.• Our Compliance and Privacy Officer continues tomonitor that all staff and board members avoid conflictsof interest and any violations of law and regulation.• Our Internal Auditor sees that all of our businesstransactions are in order.(Continue on page 14)

Bishop’s Glen (Holly HIll, FL)has been voted Best RetirementCommunity for 21 consecutiveyears.Ms. Helen Monroe,the longest residingresident at ShepherdPark (Hartford, CT)cuts the ribbon atthat community’srededication ceremony.Residents of ParkPlace and Esperanza(Seattle, WA) enjoy50th Anniversaryfestivities.Maple City Square (La Porte,IN) was one of 11 communitiesto receive a “Superior” ratingfrom HUD.Residents and the community ofEscalon turned out for RHF’s50th Anniversary celebrationat Escalon Heritage House(Escalon, CA).13

Looking ForwardSome of the things on the horizon for this year include:• Completion of construction and dedication of College Villas Senior Apts., Henderson, NV• Breaking ground and starting construction of Lane Manor in Stone Mountain, Georgia.• Completion of the rehab of Pioneer Towers, Sacramento, CA• Starting construction of The Whittier Apartments, Los Angeles, CA, and Barringer Gardens,Charlotte, NC• Beginning rehab construction of Congregational Towers, Chula Vista, CA• Completing the acquisition and beginning rehab of Capitol Towers, Hartford, CT• Completing affiliation with Immanuel Residences, Evergreen Park, IL• Selecting consultants and completing a charitable giving strategic plan• Working on plans for UCC General Synod 29, which will be held in Long Beach, CA in 2013.• Continuing advocacy on behalf of our residents and our mission nationwide, includinghopefully restoration of the HUD 202 new construction program• Exploring substitution in California for the affordable housing funds lost when theredevelopment agencies were discontinued• Continuing to refinance affordable housing properties• Completing RHF 50th Anniversary celebrations in our communities• Continuing upgrades to market-rate communities• Continue evaluation of new opportunities and communities who would like to join theRHF familyThank you for your past and current support. The late Victor Hugosaid, “There is nothing like a dream to create the future.” RHF wasstarted with a dream and $7,000. We ask that you continue to helpus expand that dream.We continue to serve today and embrace tomorrow. With yourcontinuing and increased support, we will address the ever-growingneed for housing and services.Laverne R. JosephPresident & CEORetirement Housing Foundation14

Lane Manor’s (Stone Mountain,GA) groundbreaking will markthe fifth RHF community in thestate of Georgia.Pioneer Tower’sresident Erma “Jimmy”Herman, checks outthe community’slobby - part of the$10.3 millionrenovations beingmade to thecommunity.CongregationalTower (Chula Vista,CA) will begin an$8.9 million rehabproject in 2012.The Whittier will be RHF’s13th affordable community inLos Angeles, CA.Barringer Gardens (Charlotte,NC) will be RHF’s firstcommunity in North Carolina.15

“Social Profits”Nonprofits are sometimes called social profits becausewe are organizations offering services that benefit thepublic. In almost every case, nonprofits are exemptfrom federal and state income taxes and, in most cases,from real estate taxes, as well. Consequently, we believethat we must go beyond the core mission of providinghousing and services for almost 18,000 persons 24hours a day, 7 days a week. And RHF does much more.We as nonprofits need to tell our story, because if wedon’t tell it, the general public may not know. As partof our story, here is our annual social accountability reportlisting some of the things that we do for the publicgood, both as an organization and individually. This isthe eighth year we have included a social accountabilityreport with our annual report.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 remainin existence with a negative bottom line year after year.• In 2011, we had “involuntary” charity in the form ofcontractual adjustments from Medicare and Medicaid inthe amount of $4,913,136. Also $886,910 in fees forrent and services were determined to be uncollectible.16The RHF Difference2011 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. (Theexception would be our tax credit properties, but in those communities the managing general partner is a nonprofit.)What is the difference between a for-profit and a nonprofit? The basic answer is to follow the money. In a for-profit, apositive bottom line may be distributed to owners or stockholders. In a nonprofit, it is used to further the mission. Anonprofit needs a positive bottom line because “No Margin, No Mission.” If nonprofits ever lose their tax exemption, themission will be seriously diminished. Alexis de Tocqueville spoke about what distinguishes America from other nationsbeing our three-legged stool made up of government, for-profits, and nonprofits. For example, in this current economy,if persons and organizations were ever to lose their charitable deductions for contributions to nonprofits, that threeleggedstool would be seriously diminished. Even though many people would give generously because they believe sostrongly in the mission, others would give less.• During 2011, rental concessions were made by ourcommunities in the amount of $1,890,683. Throughdonors’ contributions to the Resident Benevolence Fund,residents received grants of $49,461 to cover a portion oftheir rent. Support through benevolence and concessionsenables our residents to continue to live in our communitieseven though their resources have diminished.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.• RHF believes in investing in staff and board educationand growth. We invested hundreds of thousands of dollarsin education and improving skills for our nearly 2,800team members and our national, local, and advisory boardmembers. Resources were used for attending conferences,educational seminars, participating in webinars, trainingsessions, continuing education and college tuitionreimbursement.• Over the course of the year, our communities employed69 high-school students, hopefully introducing them towhat it means to be a responsible citizen in society, aneducation which should help them in their future careers.(Continue on page 18)

The Fanin County 4H Club,Lifetime Designs of Sherminand Fanin County MasterGardners partnered to buildand plant raised gardens forthe residents of Pecan Place(Bonham, TX.)Within our RHF Communities• 3,158 persons volunteered 175,578 hours to RHFcommunities and the national headquarters office,helping in a variety of ways. This does not includethe numerous hours that our national and local andadvisory board members contribute each year.Park Placeresidents andstaff hosted adinner toraise funds forEarthquake Reliefin Japan.• RHF Team Givers (staff members) donated $26,992to the RHF mission through payroll deductions andgifts throughout the year.• Through the donations of residents, staff, andMattel, Inc., 774 toys and gifts were given to theRHF children in our affordable family communities.This year, with the acquisition of Riverside Village inLeominster, MA, the number of children we servedduring the holiday season increased by 133 for a totalof over 750 children. We thank our 20 volunteers (wecall them The Wrappers) from St. Mary Tower whowrapped these toys along with RHF team membersMaggie Engelberg, Cindy Medina, Maria Rodriguez,and Advisory Commission Chair Alice Sexton.• The Bixby Knolls Towers Residents’ AssociationScholarship Committee presented 18 scholarships of$900 each at the college level to five students whoare employed at the Towers and 13 students who aremembers of employees’ families. Ten scholarshipswent to students who have previously received awardsand continue their education.80 RHFcommunitiesparticipated inthe UCC’sMission 1 eventin November.The CloistersDeLand, FLIndependence SquareEvansville, IN17

We Are a Good Neighbor• RHF conducted a fund drive to assist the victimsof the terrible earthquake and tsunami that devastatedJapan on March 11, 2011. A memo was sent to allRHF communities and staff on Tuesday, March 15with a match deadline of May 1st. This was the fastestresponse for disaster relief RHF has experienced, andparticipation from our communities and staff washeartening in this economic climate. For this effort wealso partnered with many UCC congregations, whichwas a first. RHF offered to match donor contributionsdollar for dollar up to $50,000 to assist the victimsof the devastating tsunami. $14,387 was donated byindividuals and RHF communities, and an additional$18,551 was donated by our partner UCC congregations,and a grand total of $32,938 was donated for Japandisaster relief. No funds were kept for administration.On June 4, 2011, Dr. Joseph presented a check for$65,010.50 to the United Church of Christ DisasterRelief Ministry as part of the Southern California NevadaUCC Conference Annual Meeting in La Jolla, CA.• Approximately 3,717 residents participated in RHFProject H.A.N.D.S.® (Helping Angels National DonatedSupport) program where residents make clothing andother items for children and victims of abuse. Theitems are distributed in homeless shelters, shelters forthe abused, and children’s hospitals. In 2011, 23,036items were made from donated yarn and sewing materials.Seventy-four of our communities participate in the ProjectH.A.N.D.S. ® program. Donations of materials comefrom individuals, churches, residents, families, and businesspartners. Over 1,165 agencies, businesses, andorganizations have partnered with us and we appreciatetheir involvement and support. Every year we hearwonderful stories from the agencies who receive thesehand-crafted items and the difference that it makes inthe lives of their clients. Residents also get realsatisfaction in doing this good work.18• 761 persons donated $311,584 and 70,285 hoursto more than 650 nonprofit and community organizations.7,953 persons attended meetings held in RHF communityrooms, representing more than 670 different organizations.• Twenty-two of our communities served as polling placesfor elections.• Mission 1 was a program initiated by the UnitedChurch of Christ where for the first 11 days of November(11.1.11) United Church of Christ congregations, colleges,seminaries, and health and human service agencies joinedtogether in a collective mission campaign to collect morethan a million food items for local food banks, raise$111,111 in on-line donations for Neighbors in Need,and $111,111 for East Africa Famine Relief, and write11,111 letters to Congress in support of Bread for theWorld 2011 Offering of Letters Campaign asking that U.S.foreign assistance be reformed to more effectively servethe world’s poorest people. RHF and 80 of our communitiesparticipated in this program and contributed 14,345pounds of food.We Contribute to the Economy• RHF and our communities made a significant impactthrough our staffing base. In 2011 gross total wages of$67,622,726 were paid in the 111 communities in whichwe have a presence.In addition, we estimate that we have provided over 1400temporary construction jobs, which infused $17.7 millionin wages and salaries into local economies. During theyear we had 6 properties under major rehab or construction.This is a snapshot 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 of our team members were reporting the good worksthey 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!

St. Mary Tower residentsvolunteer every year to wrapdonations from the Annual ToyDrive. This year they wrappedmore than 750 gifts.Residents all over the countryparticipated in RHF’s ProjectH.A.N.D.S. (Helping AngelsNational Donated Support).Marymount ManorTacoma, WABishop’s Glen Retirement CommunityHolly Hill, FLRHF’s rehab projectsthroughout the countryresulted in more than1400 temporaryconstruction jobs.19

The RHF Leadership TeamRHF Board of Directors(From Left to Right) Frank Jahrling, Dr. Laverne R.Joseph, Tom Masuda (Treasurer), Dr. Teruo Kawata,Jean Dremstedt, Stewart Simington, Dr. John Trnka(Chairperson), Donald W. King, Rev. Harold Schultz,Christina E. Potter, (Vice Chairperson); Dr. Darryl M.Sexton, (Vice Chairperson); and Ray East (absent- Dr.John Bauman and Rev. Dr. Norma Nomura DeSaegher.)RHF Key Staff(L-R) Joanne Silva, Director of Occupancy and Tax Credit Compliance;Phil Mosqueira, Accounts Payablle Manager; Conrad Dungca,Internal Audit Director; Dolores Quijano, Cash Administrator; KentSteckbeck, Director of Budgets, Reimbursements and Analysis;Jackie Dizon-Ng, Healthcare Accounting Manager; Chris Purcell,Controller; Maggie Guzman, Director of Information TechnologyServices & Information Security Officer; Yolanda Pena, Risk Manager;Salvatore Ingrao, Accounting Manager - Housing Department; andTina Robinson, Accounting Manager - Housing Department.RHF Advisory CommissionCol. JohnDeSaegher (ret.)Ginger JosephCaroline EastVice ChairBill WarrickAlice SextonChairMelody SchultzRoberta JahrlingSecretaryKiku KawataYuri MasudaRev. Dr. RobertPotter20Barbara BaumanMary KingShirley Trnka

RHF Principal Staff(Left to Right) Frank Rossello, CFO and VP - Finance;Peter Peabody, VP- Healthcare Operations; NadaBattaglia, VP of Human Resources; Deborah Stouff,VP of Corporate Records and Corporate Secretary;Richard Washington, VP - Business Development;Anders Plett, VP of Acquisitions and Project Development;Stuart Hartman, VP - Affordable Housing Operations;Cheryl Howell, Executive Assistant to the President,Director of Administrative Services and AssistantCorporate Secretary; Robert Amberg, Sr. VP andGeneral Counsel; and Brian Magnone, VP - Treasury.RHF Key Staff(L-R) Chris Ragon, Director of Communications; John Clow, Directorof Risk Management; Adrianne Eng, Network Services Supervisor;Christopher Mullen, Business Applications Manager; Stephanie Titus,Director of Charitable Giving; Jennifer Staley, Director of PayrollServices; and Kevin Gilchrist, Director of Development Finance.(Absent - Florence Webb, Senior Development Project Manager;Yolanda Pena, Risk Manager; Tony Nguyen, Development ProjectManager; Andres Diaz, Development Project Manager; and Rose MaryKwock, Housing Accounting Manager.)Regional Managers & Nurse ConsultantsThuy HuongSouthwestTeri KennedyNurse ConsultantEast CoastJeffrey FergusonEast CoastLaVonneMickelsonMidwestInez CodeusSoCal IIWilliam MeertNurse ConsultantWest CoastPerry GlennSoCal IJanice DelanoHealthcare WestWilma WilsonNorthwest21

RHF Financial HighlightsConsolidated Statements of Financial Position(000’s omitted)AssetsSeptember2011September2010Current Assets $ 72,169 $ 33,190Long Term Investments 41,760 44,425Land, Buildings, Equipment 8,710 8,927(Net of depreciation)Other Assets 63,699 64,294Total Assets** $ 186,338 $ 150,836Liabilities and Net AssetsCurrent Liabilities $ 7,831 $ 10,228Long Term Liabilities 40,000 31,982Subtotal 47,831 42,210Net Assets** 138,507 108,626Total Liabilities and Net Assets $ 186,338 $ 150,836Consolidated Statements of Activities(000’s omitted) Year Ending Year Ending9-30-11 9-30-10Revenues - Unrestricted22Management Fees $ 14,220 $ 13,639Interest Income 488 636Other 6,315 5,349Total Revenues - Unrestricted $ 21,023 $ 19,624Expenses - UnrestrictedGeneral and Administrative $ 14,209 $ 12,946Fundraising 41 20Depreciation and Amortization 726 860Other 2,319 2,303Total Expenses - Unrestricted $ 17,295 $ 16,129Change in Net Assets, Unrestricted 3,728 3,495Change in Net Assets, Restricted 26,153 7,807Change in Total Net Assets $ 29,881 $ 11,302**Total Assets and Net Assets includes temporarily restricted balances of $63,211 and $37,508, in 2011 and 2010, 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.

Long Term Investments 41,760 19,637 Interest Income 488 636Land, Buildings, Equipment 8,710 8,927 Other 6,315 7,103(Net of depreciation)s t e s s A r e h t O 7 0 9 89,144 , 2 6 Total Revenues - Unrestricted $ 21,023 $ 21,378Total Assets ** $ 186,338 $ 150,898 Expenses - UnrestrictedLiabilities and Net Assets General and administrative $ 14,209 $ 12,946Current Liabilities 9,858 $ 10,186 $Fundraising 41 20The Long financial Term Liabilities information presented 37,973 is 32,086 for the parent Depreciation organization and Amortization only. As 726 such, the entities 860included are the following:Subtotal 47,831 42,272 Other 2,319 4,057Retirement Housing FoundationFoundation Property Management, Inc.RHF Total Foundation, Liabilities and Net Assets Inc. 186,33Net Assets ** 138,507 108,626(INSERT ATTACHMENT)$ 8 $ 150,898HighlightsUnited Congregate $ Care, Inc. $ 17,883Retirement Enterprises, Inc., DelawareRetirement Enterprises, Inc., CaliforniaRHF Management, Inc.Total Expenses - Unrestricted 17,295Change in Net Assets, Unrestricted 3,728 3,495Change in Net Assets, Restricted 26,153 7,807Change in Total Net Assets $ 29,881 $ 11,302Working Capital$60,000Cash / Short-term and Long-term UnrestrictedInvestments$64,000$54,000$44,000$34,000$24,000$64,338$50,000$40,000$30,000$20,000$49,555$37,901$14,000$22,962$10,000$4,000(000's omitted)2011 2010$0(000's omitted)2011 2010Total Net AssetsChange in Total Net Assets$140,000$120,000$138,507$30,000$25,000$29,881$100,000$80,000$60,000$108,626$20,000$15,000$40,000$10,000$20,000$5,000$0(000's omitted)2011 2010$0(000's omitted)2011 2010$11,302** Total Assets and Net Assets includes temporarily restricted balances of $62,633 and $36,558 in 2011 and 2010, respectively.RHF financial statements are presented for convenience and information purposes only, and while reasonable efforts have been made toThe following is a summary of affiliated entities, which are not consolidated in these financial statements:ensure 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\AppData\Local\Microsoft\Windows\Temporary Internet Files\Content.IE5\18X56B3P\AnnualRpt_Graph 2011.xlsEntity ClassificationNumber of EntitiesNot-for-profit single-purpose entities owned and receiving government 115subsidy, currently in operationNot-for-profit healthcare facilities owned, currently in operation 20Not-for-profit properties owned, managed by others 12Not-for-profit partnerships in operation 13(ownership interest ranging from .01 percent to 16.9 percent)Properties managed for third party owners 2Not-for-profit properties owned, currently in development 10Total Entities Not Consolidated 17223

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+First Christian Church+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 TowersSacramento, CA1979Auburn Ravine TerraceAuburn, CA+First CongregationalChurch of AuburnPilgrim Tower East**Pasadena, 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, CACatholic Healthcare West -Southern CaliforniaUniversity CenterIndianapolis, IN+University Methodist ChurchVilla at Sacred Heart*Indianapolis, INHispanic Housing Services, Inc.

1986 (cont.)VistasVan Nuys, CA+Valley Presbyterian HospitalUniversity CenterIndianapolis, IN1987Centennial 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 CongregationalChurchMayflower GardensConvalescent HospitalLancaster, CABixby Knolls TowersLong Beach, CAPrairie Grove ApartmentsEast Prairie, MO+East Prairie Chamberof CommerceRedding Pilgrim HouseRedding, CAAngelus PlazaLos Angeles, CARiver CityResidence ClubSacramento, CA+Transitional Livingand CommunitySupport, Inc.1988Dogwood ApartmentsMilledgeville, GAThe GatewayPoway, CAMalone ManorLincoln, NEGuadalupe SeniorApartmentsDenver, CO+Del Norte NeighborhoodDevelopment Corp.Maple City SquareLa Porte, IN+St. Paul UCC+Co-sponsor*Third Party Management**Syndicated Project25

1988 (cont.)Marymount ManorTacoma, WA+Sisters of St. DominicOlson Rotary VillageDelano, CA+Delano Rotary ClubRichardson ManorMilwaukee, WI+WAICO HandicappedHousing, Phase II, Inc.Vacaville 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 JeanetteWeinberg Philip Street ApartmentsHonolulu, HI1996The CarlinArlington, 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 VillageLos Angeles, CA1998Creekbend GardensHouston, TX2000Abbey ApartmentsIndianapolis, INDeSmet Retirement CommunityFlorissant, MOSt. CatherineRetirement CommunityFlorissant, MOThe CloistersDeLand, FL2001Colonia Jess LopezLos Angeles, CAColonial GardensFlorence, KYCornerstone GardensHouston, TXEsperanza ApartmentsSeattle, WAPark PlaceSeattle, WASymphony Plaza EastSymphony Plaza WestBoston, MAThe StearnsBoston, MA2002Amistad PlazaLos Angeles, CABenson ManorSmyrna, GASeabury HeightsWorcester, MA2003Binnall HouseGardner, MAGateway GardensPoway, CAHollyviewLos Angeles, CAIndependence SquareEvansville, INKing James CourtOrange, MAPine CrestOrange, MAVillage PointeNorfolk, VA+First Baptist Church ofLambert’s Point2004Los ArcosPoway, CALowell PlaceBakersfield, CA+Bakersfield Senior CenterMason PlaceBoston, MANorth Capitol at PlymouthWashington, D.C.+PlymouthCongregational UCC

2006Douglas HouseBrockton, MAHamilton WadeBrockton, MAIngleside ManorMacon, GANorthvale VillageHouston, TXOak Knoll VillaSan Antonio, TX2007Providence PlaceSalem, ORFarrfield ManorColumbus, GA2008Bexton PlaceSan Antonio, TXHarvest PointeLoveland, CO2009Mount Beulah TerracePagedale, MO2010Desert SageHermiston, ORHarshfield TerraceQuartz Hill, CARiverside VillageLeominster, MAShepherd ParkHartford, CTVillage GardensNorfolk, VA2011Congregational TowerChula Vista, CAPilgrim ManorGrand Rapids, MIUnder ConstructionCollege VillasHenderson, NVOak Knoll VillaSan Antonio, TXThe CarlinArlington, VAVerde ViewCamp Verde, AZThe StearnsBoston, MALas AlturasLos Angeles, CAPre-ConstructionBroadwood TerracePaloma Terrace - FamilyThe Whittier - FamilyLas AlturasLos Angeles, CALane ManorStone Mountain, GABarringer Gardens Apts.Charlotte, NCSagetree TerraceHouston, TXDarson Marie TerraceSan Antonio, TX27

809809InformationHousing and Services InformationState # Units/ BedsAZ 163CA 7,178CO 166CT 372DC 69FL 942GA 279HI 82IA 194ID 40IL 150IN 1,538KY 246MA 1,894MI 214MO 255NE 116NJ 55OK 30OR 117PA 113PR 60SC 144TX 634VA 340VI 55WA 317WI 195(137)CA62CA62(137)OR3WAOR43WA4ID1ID1AZ4(5,961)Harbor Tower Trust (126)Harbor Tower Trust (126)HUD 202 (107)HUD 202 (107)AZ4(5,961)HI2HI2(76)CO3CO3NE4TX12NE4TX112OKOK1(188)(154)WI4MIIA2WI64 ILMI INIA12176MO4IL IN1 17MOKY42(154)(760)Mortgage/8 (242)Mortgage/8 (242)KY2PA2VA5SC1GA4 SC1GA4FLFL44PA2VA5TAX EX BONDS/LIHTC/9 (2,338)TAX EX BONDS/LIHTC/9 (2,338)2,1052,105MA11MACT111NJ1 CTDC 1NJ1DC1PR1PRLegend:Greater than(973)U.S. VI1U.S. VI11,500 Units750 to 1,500 UnitsLegend:100 to 750 UnitsGreater than 1,500 Units0 to 100 Units750 to 1,500 Units# of Communities100 to 750 Units0 to 100 Units# of CommunitiesTotal RHF Housing Units/Beds Equals 15,958(76)(188)(760)(973)Senior HousingSenior HousingAssisted Living(1000)Skilled NursingAssisted Living(650)(1000)Skilled Nursing(650)Special Needs HousingSpecial Needs HousingFamily (918)Family (918)Residential (13,114)Residential (13,114)Total Senior Units/Beds:14,764 (# Units/Beds)Total Senior Units/Beds:14,764 (# Units/Beds)Mobility Impaired(208)ChronicallyMentally Ill (56) DevelopmentallyDisabled (12)Mobility ImpairedTotal Special(208)Needs Units/Beds: 1194ChronicallyMentally Ill (56) DevelopmentallyDisabled (12)Total Special Needs Units/Beds: 1194(# Units/Beds)(# Units/Beds)- 21 -- 19 -28- 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

Charitable GivingHard to believe it was a year ago that I began my service to the Retirement Housing Foundation. Sincejoining this dynamic team of professionals, I have had the privilege of meeting many of our residents,staff and donors. You may recall In Their Own Words, a compilation of resident stories detailing whatour organization and communities mean to them, in celebration of our 50th anniversary. It is in that same spiritthat I asked donors to share why they support the Retirement Housing Foundation and its communities.It is through the commitment and support of our donors - individual, foundation and corporate - thatRHF continues to provide housing and services, enhancing the quality of life for thousands of people. Itis with deep gratitude that we thank all of our donors for their generosity and belief in our mission.Stephanie Titus, CFREDirector of Charitable Giving30THANK YOU 2011 MAJOR DONORSWe are grateful to the following businesses that contributed a major gift to the RHF mission.They were recognized during our 50th Annual Meeting in February 2011.$ 10,000California Bank & TrustThank youMajorDonors“SCM is proud to support RHF’s incredible commitment to improvingthe lives of seniors and their communities. So many lives have beenfavorably touched during the past 50 years, and so many more willbe in the decades to come. RHF provides an invaluable service toour nation’s seniors.”- SullivanCurtisMonroePLATINUM $7,500Schochet Associates, Inc.Sullivan Curtis Monroe HD Supply US BankGOLD $3,500Dauby O’Connor & ZaleskiNational Affordable Housing Trust Reuben, Raucher & BlumSILVER $1,500Alpha Construction Ice Miller LLP Quest Construction Services, Inc.Harvey & Beth Oringher - Theodora, Oringher, Miller & Richman PCHPSI Purchasing Services Bank of America Merrill Lynch KTGY GroupSILVER / BRONZE $1,000Holland & Knight Palmer Kazanjian Wohl PerkinsBRONZE $750Direct Supply Michael A. Orber & Associates ICON Builders Ziegler Merrill LynchHill Ward Henderson Compo Construction Company Designer Sound SecurityFRIENDS ($749 and under)AFLAC Odor Eliminator Westec

“I have invested in every organization that I’m involvedwith – not only with my time but also with my ‘treasure.’ It’simportant that people have safe, decent affordable places tolive so they don’t have to fear being out on the street.”– Jean DremstedtRHF National Board of DirectorsRHF 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*Marian RhaneElsie ValekAnna Mae Wakefield*William L. WarrickNorman A. Whaley*(*indicates members who have passed away)Lydia CervenyRaymond E. EastDr. and Mrs.* Charles FainDolores P. FogaToshiko Okazaki Fukuda*Wanda Haudek*Laverne R. JosephJean Moore Warrick*Jean H. P. OppenheimerEdythe PattersonBarbara J. Ricker-In Memory of Emma (Sam) RickerJane ShenbargerMiriam P. Vandenbush*Richard Walinch*Eleanor J. WestVera Wolpert*RHF Foundation Approved As a Combined Federal Campaign (CFC) MemberIn the summer of 2011, 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

322011NationalHeadquarter’sDonorsThe following donors gave a monetary gift to the designatedfunds through the national headquarters office from 1/1/11through 12/31/11:300 Main ResidentsCleofe AbadHermean AbernathyMelody AckermanSara George AdehAging DisabilitiesCharities AmericaManuel AguilarSara AhnElsie AltFidencia AltamiranoMaria AlvarengaSang Ho AnYoung AnRev. Douglas AndersMarta AndradeBuena AngelAnonymousConstance ArmisteadJessie AzaliRobert BachtelChristina BaeOk Cha BaekChristine BakerYong S. BangCheng K. BaoMaria BarajasJoann BaumAlmabella BautistaBay Shore ChurchSally BehanCarmelita BellCelestine BennerLeana BentleyShizuka BeppuEugene BerkmanEvangel BettridgeRobert BishopBloom in theDesert ChurchChristopher BoboNarcisa BocalbosBeatrice BoltonDebra BondAngelina BondocCelestine BonnerRev. W.J. BorisBetty BoyerKathleen BreenCapt. Karolla BriceMitchell BrinkerMike & Toni BrooksLawrence BrownRichard BuchananJane BurnsAkemi BurtonMilagr CafelesJean CalcagnoSandra CaneraraCarmen CasillasAdelida CentenoGonzalo CervantesChong Soo ChaVenkat ChalanJoan ChangPamela Yeh ChangMarc ChavezPeter ChayHui Er ChenShao Jun ChenOur DonorsJia Qi ChengYen Bun CheungIn Jong ChoJong Hoe ChoKi Sun ChoVeronica ChoBok Soon ChoiBong ChoiEsang ChoiLois ChoiTae Yul ChoiAngelo Chang ChonWilliam ChoyChul Ho ChunJoseph ChunCorrina ChunchieChaim ChungSuk Jong ChungAlice ClancyClaremont UCCAnnie ClaybornRichard ClementeJacquetta ComptonCongregational Churchof NorthridgeChristine Cordero BacaRosario CorreaMina CraigGlezilee CrossGrace CrossmanCulver City Rotary PlazaRoslyn CustanceViolette CzukorJuana DardonFrances Dawson-HarrisDr. Norma & JohnDe SaegherIgnacia Buena DediosNeo DennisA. Joan Devine-GuerraDiamond Bar UCCDelores DixonBlanquita DizonHerminio DizonHazel DodsonLona DorsettOlga DumitrescuRaymond & Caroline EastMargie EdwardsGraciela EliasDr. Bernice ElkinRichard ElliottDiane EllisCarolina EnriquezYefim EydelRashel FahmiDr. C. W. Fain, Jr.Fajardo Housing ResidentsMarie FarragoPeter FascendaRobert FeilerFirst CongregationalChurch of Long BeachFirst CongregationalChurch of Santa AnaLoreta Joy FixPedro FloresBetty Jo FordRafael FuentesPedro GarridoDwight GatilloBarbara GavignoRonald GervasiMark GiventerRichard GondolfIsaline GoodridgeLydia GratacorDolores GrecaHerman Green, IIIMichael & Julie GreifMaria GrigoryanCuong Phu HaYoung Ah HaSteven HacheySun Kum HamEvelyn HammondMyung HanSung HanCaleen HandBea HanleyEdward Harsey, IIIAnita HasegawaHideko HayashiLinda HeadHelen HeidenreichAhmad HendessiJose HernandezMiriam HerrmannBobby HesterRose HimmelsteinMary HinzmanBarbara Hobbins

Lorraine HofmeisterBernice HoganHollywoodIndependent UCCLionel HolmesYoon Suk HongHerbert HooverDorothy HoughJ. HousiauxMary HowellsLin-Chuan HsuMarjory HubbellHung Hung-KongRobert HurteauNeung Ja SuhMyung Ja YoonFrank & Roberta JahrlingDenise JenkinsSusan JonesDong Hwan JooDr. Laverne &Ginger JosephIrma JulioJung JungYoung In JungRev. Harvey KandlerBong Seok KangPil KangParkash KaurRev. Dr. Teruo &Kiku KawataJulie KeithBetty KelchnerZilla KennaBetty KennellDonna KerbyByung Il KimChang Kyu KimChong Pom KimChul Jong KimChun KimChun Chong KimChung Sook KimDu Nye KimHak Sook KimHui KimJee KimJung KimJung Soon KimLotta KimMyung Soon KimOur Donors“I donate to RHF and volunteer withinthe community because helping others isthe most effective way I’ve found to copewith my own limitations.”– Barbara RichleyResident at Bixby Knolls Towers, an RHF CommunitySang Rak KimWilliam KimYoon Sil KimYoung Jun KimYoung Sik KimTommie KimbroughLuverne KindrexDonald & Mary KingDeborah KirkseySarah KleinSang Ha KoMu Sun KooAnita KristianssonChin Ki KwonSoon Sun KwonKi Soon KyongL.H. Hajnal & AssociatesDuong LaLa Fontaine ResidentsHarvey LaibLas Vegas UCCSay Yoek LawRegina LealLydia LearyBryant Bang LeeByung Ai LeeCharles LeeChun Ja LeeDong LeeJae LeeJae Sook LeeJin Sun LeeJung Hee LeeJung Me LeeKyung Woo LeeSeo Bun LeeSoon Ok LeeSung Ho LeeTea Bum LeeYa-Chin LeeYoo Sun LeeYuan-San LeeElma LentzIsabel LeonardoCathy LevarioVirginia LevequeWan Sik LewHui Hua LiShang Yueh Chen LinZhonghan LiuPat Logston, Sr.Frances LohJanice LortonFong-Fu LuAnna LucasEdith MaerzRoger MahonCarmen MaldonadoKevin ManzYasuko MarutaTom & Yuri MasudaArthur MattigWilliam MayerDailey & Nancy Mc PeakPatrick McDonaldKaren McKennaJanice McNeillyJulio MejiaFlora MejicanosJose MelendezBarry MellorEmilia MenachoMaclovia MendozaMatilde MendozaRoger MethvenChong MinBetty MobleyMartha MohlerMaria MonroeGeneva MoodyHelen MooreNorman MooreStacey MooreIrene MoralesWayne MullinJovita MusniNetwork for GoodMary Ann NeumannAnnie NguyenElaine NiggMansoureh NilkhaniDavid NohNorth Capitalat Plymouth ResidentsAlice NunezVirginia OchoaPak Bo OckKwangia OhMarlene OlsenMary O’NeillEsther Oppedisano LandiDawood Oshana33

Cheng Hwa PaiMa Chia-Wan PaiIk PakSuk Ran PakCarmen ParenzuelaYoung Ha ParkYoung Shin ParkYoung Sook ParkPark Place ResidentsPartners ForA Better WorldRatilal & Shardaben PatelPauahi ResidentsRoy PaulPatricia PerezViolet PetersPhilip Street ResidentsPilgrim Tower EastResident CouncilPIMCO InvestmentsMargaret PinettePioneer OceanView ChurchE. PlasencioRich PlevaPlymouthCongregational ChurchSiu Kuar PrasadProvidence PlaceTenant GroupHelia PrshaLeandra Pujol34Ok PyonLouis QuitoniDoria RaglandJoe RazoCorazon RealBenjamin ReccaRedding PilgrimHouse ResidentsRuth ReidTassew RetaIsabel ReyesPetra ReynagaVickie ReynoldsRobert RheinerStan RichardsBarbara Gray RichleyPhilip RiggioMaria RiveraYolanda RiveraArden RizerGuadalupe RochaWillliam & Gerda RocheIrma RodriqiuzConsuelo RomanSandra RussoMung Sun RyuTeresito San DiegoSan JacintoManor ResidentsGloria SanchezJuan SanchezDoris SandersSangnok Villa ResidentsOur Donors“We are touched by the many storiesof blessings from the people in RHFhousing. It is a privilege to give, tobe a part of God’s Master Plan.”– Rev. Dr. Norma and Col. John DeSaegher (U.S. Army, Retired Chaplain)RHF National Board of DirectorsJosefa SantosRev. Charles &Marion SchepelThea Schloesser LakeyShirley SchroederRev. Harold &Melody SchultzJoyce SearsSeaside Community ChurchPhyllis SeidelJean SeruntineDr. Darryl & Alice SextonMohammadSeyed LadjevardiMoe Heydari ShahMable ShepherdJung Soo ShinFatemah ShomaliBernice SmithKi Sun SoAlys SolarRoy SoliwodaKang Young SookBooker SpinksFrances StephensonPatricia StoneGina SudarChung Eun SukJames Suk-Bum ChoiChong Xian SunDomingo SungaLily SurinHarold SutherlandViolette TadrosTaeao FouNew Beginnings SamoanEthel TanouyeNina TarshisCarolyn TateDoris TaylorMattie TaylorMildred TeagueElizabeth TerramagraThe Carlin ResidentsDimlay TranDr. John & Shirley TrnkaJanet TyczkowskiIgnacio UrenaMichael ValdesValley of The Flowers UCCCarmen VasquezCarol VesselsPaz VillaflorLyn WallarPaul WelchAlice WellsL.S. WeselskyEleanor WestJames WestRoger WestonDouglas &Nancy WickstromKathryn WillmsRichard WilsonTheola WilsonKaren WintersYong Deuck WonWoodruffCommunity ChurchKuei-Hua WuSau Hei WuLaudelina YanesYung-Miao YenYin YeungKi Nam YiYong Sun YoonCharles Ho YoonChung Hee YoonHyo Soon YoonAnne YoungGuan Liang YuTimothy Zalesny

2011 Designation of Gifts to the RHF FoundationAffordable Housing FundClark Harshfield AffordableHousing Building FundThe Laverne R. JosephAffordable Housing FundJean Moore Warrick EndowmentFund for Resident BenevolenceResident Benevolence FundChildren’s Education FundProject H.A.N.D.S.RHF Disaster Relief FundToys for RHF KidsRHFFUNDSDonors 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 750 toys to RHF kids in 2011!®· 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

Amistad PlazaLos Angeles, CAWilshire VendingAnciano TowerMontrose, COSnipps Heating & Air, Inc.Angelus PlazaLos Angeles, CAAARPAll TemperaturesControlled, Inc.Alpha PropertyManagementAnderson & HowardElectric, Inc.Angelus PlazaPool PlayersBank of AmericaMerrill LynchCalifornia CommercialInvestment Group, Inc.California CommunityReinvestment Corp.Capital Foresight, LPCentury HousingJoan ChangDavid ChellmanChinese Resident’s ClubBok Yueh ChoiDuk Ja ChoiOh Deuk ChoTae Yul ChoiYong Su ChuMi Duk ChungWoo Jung ChungCollazo FamilyCongress ofCalifornia SeniorsArline DennyChantal DennyDesign SoundSecurity SystemsDollar Travel, Inc.Enterprise CommunityPartners, Inc.Forest City Capital Corp.General ConstructionClean-Up, Inc.36Our DonorsDONATIONS TO RHF COMMUNITIESThe following donors contributed a monetary gift to the corresponding community from 1/1/11 to 12/31/11:Angelus PlazaLos Angeles, CAGlobal HealthyLiving FoundationGood Samaritan HospitalGouvis EngineeringConsulting Group, Inc.Grand Central SquareLimited PartnershipGrand PerformancesGreystone ServicingCorporation, Inc.GSM NationalCorporationXuping W. Leon GuerroMario & Tiena HallMyung Sook HanHanmi BankMartha HarrisHighridge CostaHousing Partners, LLCHill InternationalHunsaker & AssociatesLos Angeles, Inc.Sook Hui HyunImperial Shade& Venetian BlindISOTECH PestManagement, Inc.Kyu Sun JongSuzy JungSoon Ja KangNatsuo KawadaPhil KeszeyJin Wha KimKae Ok KimMoon Ja KimYoung Ju KimKorean Consulate GeneralKTGY Group, Inc.Soung Soon KwonL.A. LOMOD CorpHyo Hue LeeJin Sun LeeKi Wan LeeMyung Ja LeeSan Ho LeeThomas LeeYoung Jik Lee, M.D.Legion of MaryRichard LieboffLittle Tokyo PharmacyAngelus PlazaLos Angeles, CALos Angeles Councilof Filipino AmericanSeniors, Inc.LTSC CommunityDevelopment Corp.Morgan LyonsMacson Printing& LithographyMike’s CarpetWol Hui NamNBC UniversalMedia, LLCNoon Downtown GroupNorth American ElevatorServices CompanyOutdoor DimensionsPacific Plumbing Co.of Santa AnaYoung Won ParkPDA Consulting GroupRHFSanders & Wohrman Corp.Securitas Security ServicesUSA, Inc.SEIU Long Term CareWorkers, Local 6434Myong Chul SeoKyu Young ShinSkid Row Housing TrustSLA & AssociatesServices Corp.Myungeun Chun StricklandStumbaugh& Associates, Inc.Gina SudarTMAD Taylor & GainesTriumphant ManagementCompanyUS Bancorp FoundationUS BankValley CommercialContractor L.P.Valley Crest LandscapeMaintenanceMargaret WangWestport Construction, Inc.Elizabeth WongAngelus PlazaLos Angeles, CAKing Yue WongJung Soon WuBok YiCho Cha YiMyong Sun YonJae M. YoonMimi YuZwick ConstructionBixby Knolls TowersLong Beach, CAWesley & Patricia HortonCasa de PinosPrescott, AZLynn CabotCatherine ColverGloria HedgpethDena MaioloLinda McConnellKaren SwiftSally WeintraubDogwood ApartmentsMilledgeville, GALynda DozierEscalon Heritage HouseEscalon, CAPresbyterian DeaconsFarrfield ManorColumbus, GASuzanne BarnesHarbor TowerSan Pedro, CABenrich Service Co.Citadel SecurityDuthie Electric ServiceHarvest PointeLoveland, COGroup PublishingHalcyon Hospice& Palliative Care, LLCWalmart

Our DonorsIndependence SquareEvansville, INJudith BerryBetty HerndonResidents, Family &Vendorsof IndependenceSquareBarbara WheelerBrenda WormanLake Ella ManorTallahassee, FLAlpha Kappa Delta PhiBeta Kappa Psi PsiDuane & Margaret MeeterPriscilla MitchellFSU Sistuhs, Inc.National Councilof Negro WomenLa Mirada VistasLa Mirada, CACalvary PresbyterianChurch – Region 3Bible GroupStaff & Residentsof La Mirada VistasWomen of FaithLos ArcosPoway, CAQuest ConstructionJames ShapiroMonona MeadowsMonona, WIJohn FernanWisconsin Conferenceof the UCCNorth Capitol atPlymouthWashington, D.C.Robert Ashe“KTGY Group, Inc. has been honored tosupport Retirement Housing Foundationand its communities for the last severalyears. We are continually inspired by thepersonnel involved in the creation of newprojects, their operations, and the fundingof needed services within the developments.In the end, it is these relationships, alongwith seeing the residents so happy in their surroundings, that excites and encouragesour teams to continue to learn and improve each day.”North Capitol atPlymouthWashington, D.C.National Federationof the BlindPlymouth CongregationalChurch Usher BoardLouise StuartCatherine VeneyF.A. VieiraMargie WordOlson Rotary VillageDelano, VADelano Rotary ClubPioneer HouseSacramento, CAMilo ChunCPCH FoundationRandele KanosePioneer HouseBoard of DirectorsSacramento Walking SticksPioneer TowersSacramento, CACPCH FoundationRobbie Jones McCullenPioneer TowersResident Council- KTGY GroupRalston TowerModesto, CAMichael BassettBarbara NeerWalmartRound House ManorKaukauna, WIRound House ManorBoard of DirectorsWisconsin Conferenceof the UCCSouthdale TowerAnderson, INBrown Butz DiedringFuneral HomeCommunity HospitalAndersonIndividual SupportServicesRoger RoudebushInsuranceRoyal Flush PlumbingThe Salt Shop, Inc.WhetstoneMissionary CircleStone Creek VillagePhoenix, AZOpal GrubbLeading Age ArizonaUniversity CenterIndianapolis, INDr. Antoinette DodsonResidents ofUniversity CenterValley ViewManitowoc, WIBonnie & David FrechetteKaren JacobsonChristine JirovetzDouglas & Mary JirovetzVictor & Sally LucasFlorence LueckerJeffrey & Lori Van DalenWisconsin Conferenceof the UCCVerde ViewCamp Verde, AZAmerican LegionAuxiliary, Unit 93Westminster VillageKentuckianaClarksville, INEstate of Billie BryantGlen DeringDoris FloraResidents ofWestminster VillageKentuckiana37

ASpecialThankYouOur DonorsU. S. BankFor TheirGenerous 2011Gift of $50,000In Memory Of . . .. . . Kristin Bennett-AmbergCollen AdamsRobert AmbergLynn & Cheryl BinnieCaring CommunitiesShared Services, Ltd.Jean DremstedtRaymond & Caroline EastStuart & Celeste HartmanCheryl HowellLaverne & Ginger JosephTeresa KennedyDonald & Mary KingDr. Dailey & Nancy Mc PeakCharlotte NewcombRev. Dr. Robert &Christina PotterDr. Darryl & Alice SextonDr. John & Shirley Trnka. . . Rex ChapmanJames Collinson. . . Karrington ClarkPatricia Clark. . . Pat ClarkLaverne & Ginger Joseph. . . Gail FainDr. Charles Fain. . . Alan FurutaTom & Yuri Masuda. . . Maureen GilbertEleanor West. . . Arnetta GriceRita Nealy. . . Mr. & Mrs. IshoIsho Hasso Isho. . . Rich McKeeRaymond & Caroline East. . . Fran MontesLaverne & Ginger Joseph. . . Jean Moore WarrickLois BahmMargery EdgertonDonald & Mary King. . . William ScottFrancis CliftonMarjorie DemoranvilleAlice LittleFrances OliverSouth Texas VeterinarySpecialists, LLPDavid VandewalkerEugene Watson. . . James SempeposTheresa Sempepos Pod. . . Roger SimpsonJane Simpson. . . Katherine TaylorOdette Coleman. . . Mason ThomasRaymond & Caroline East. . . Wilma TogniniJoyce Lovelace. . . Shigeo UjiiyeTom & Yuri Masuda. . . Merrill WhittierTom & Yuri MasudaIn Honor Of . . .. . . Culver City Rotary 25th AnniversaryCarmelita BellHelia Prsha. . . RHF 50th AnniversaryTom & Yuri Masuda. . . Collen AdamsMark Kadzielski, Esq.. . . Wanda CampbellRuth Erickson. . . Rev. Ernest FowlerRobert Ramsey. . . Paula JamesonDr. Bernice Elkin. . . Terry JohnsonJoyce Lovelace. . . Laverne JosephDr. Dailey & Nancy Mc Peak38

2011 RHFTeam Givers“It is my pleasure to give (bypayroll contribution) to ourseniors. If my mother was stillliving I would want her to betreated well, cared for, andnot struggling to pay rent. As Imanage Harvest Pointe, I try to do my part to care for the residents,as I would my own mom. That’s why I give - with joy!”– Wendy Scott, Manager at Harvest Pointe, an RHF CommunityOur staff members perform important daily duties to make shelter and service a reality for the 17,000 peoplewe serve. Staff members who additionally choose to voluntarily support RHF through monetary donations arecontributing to the fiscal health of our mission. We are extremely grateful for their optional financial commitmentas well as the investment they already have made with their hearts, lives and careers.The following staff members personally contributed to our mission in 2011:Colleen AdamsKathy AlmersLyliana Alvarez De-RenteriaRobert AmbergShana Anders-HastingsJonas AngelesKen AyalaMitch BachtelNada BattagliaDavid BellDuncan BradburyDonna BunkhongJohn ChandlerJacqueline ChewPatricia ClarkHeather ClineJohn ClowInez CodeusDave CooleyJanette CooperLeonardo CorpuzSherri CosterCarmen CovarubiasBillie CulversonChristina De La TorrePhilamena DeckerChantal DennyAndres DiazJacqueline Dizon-NgPatricia DoeringConrad DungcaKoley EllingsonVicky EllisMaggie EngelbergJeffrey FergusonLinda ForsbergDelia GambinoLynn GamblePerry GlennAnna GraddyDenise HammerCalvin HaraDelores HarrisStuart HartmanLori HazelwoodAngela HernandezManuel HernandezEmily HidalgoEvet HowardCheryl HowellMelissa JacksonKerry JenningsPamela JenningsLaverne JosephKen KaserLorri KavichJudith KeithleyTeresa KennedyAnrnold KimSuki KimDeborah KindlerDina-Marie KulzerJesse LandesKathy LarsonCharlene Lawrence-RiceMary LemireJulie LemkeDiana LespronLynn LichensternMonica MacielBrian MagnoneMark MalloyKathy MammelElena MartinezPamela MaxfieldLavonne MickelsonMary MidkiffRita NealyLeah NelsonLinda NewsomeSteven NicoloroPeter PeabodyGloria PedregonDelores PetersMary PresslerChris RagonJuanita ReynaBarbara RickerTina RobinsonMarisela RodriguezFrank RosselloCynthia RudonGloria RuizIn blue = Sterling Club members-donation via payroll deductionsChristina RyanEduardo SaludDorothy SandersWendy ScottJudy ShawLuella SheltonCecilia SimmondsPwint SoeMargaret SpillerSuzanne StaceyJennifer StaleyJoy StoneDeborah StouffMyungeun StricklandSuzanne TaylorEloisa TecBarbara ThornKarleen ThorpeStephanie TitusOlga TorresSergio TorresMelesia VanegasMichael VukovichFlorence WebbDomenica WehmannJoella WilleyJudy WilliamsDiane WinkSharon YoungDaniel Zix39

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 600 911 N. Studebaker RoadAvon, Indiana 46123 Long Beach, California 90815-4900Tel: 317-272-0929 Tel: 562-257-5100Fax: 317-272-0999 Fax: 562-257-5200E-mail: lavonne.mickelson@rhf.orgE-mail: stuart.hartman@rhf.orgNorthwest/West CoastSouthern 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 Healthcare2110 Slaughter Lane, Suite 110 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