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1 FALAnews volume 13 issue 2 promoting excellence in assisted living l fall 2009 Representative Kevin Ambler Named Legislator of the Year FALA was pleased to present the Legislator of the Year award to Representative Kevin Ambler at the Annual Conference this year. Representative Ambler represents District 47 which is Northwest Hillsborough County and was elected to the House of Representatives in 2002 and reelected subsequently. Representative Ambler served on the Health Care Appropriations Committee this year and was instrumental in expanding the number of diversion slots that were added to the budget. He has been an outstanding legislator that has demonstrated his commitment to the seniors of Florida. Representative Kevin Ambler has received numerous awards and recognitions from Associated Industries of Florida Ports Council, American Association of School Boards, The Florida Bar, Florida Chamber of Commerce, Florida Association of Area Agency on Aging, and more. FALA Files Rule Challenge After more than a year of rule workshops for the Long Term Care Ombudsman rule with no agreement on the proposed Administrative Assessment Form, FALA has filed a rule challenge. The form which proposes using complaint codes and combines assisted living, adult family care homes and nursing homes on one form has been at the center of the debate. Unfortunately, none of our suggestions have been considered and we are left with only one option to challenge the rule. This means that the proposed rule, specifically dealing with the Administrative Assessment will go before an Administrative Law Judge for a hearing. We expect a hearing to be scheduled sometime in March John Gilroy is representing FALA and FAHSA in this proceeding. If you would like to see a copy of the proposed rule and form please contact the FALA office. We will be happy to a copy to you.

2 2010 Legislative Priorities Elimination of Specialty Licenses FALA supports the elimination of the Limited Nursing Services (LNS) license and the Extended Congregate Care (ECC) license. These licenses are outdated and in many instances vague and misleading with a lot of duplication. These licenses are confusing to providers as well as consumers and serve no purpose. The LNS and ECC licenses were implemented to allow certain nursing services in assisted living facilities for the purpose of aging in place. In many instances, facilities that have these licenses do not even have a nurse on staff. Many times, the facility simply has the license (LNS or ECC) to be able to participate in the Assisted Living for the Elderly Waiver. FALA supports allowing nurses in assisted living facilities to be able to provide services that are currently under the rule and law for LNS and ECC licenses. Maintain/Increase Funding for the following programs: Assistive Care Services Waiver, Assisted Living for the Elderly Waiver, and Nursing Home Diversion In accordance with FALA s mission, ensuring that residents are placed in the most appropriate setting is vital to the well being of Florida s elders. The State s objective of providing appropriate care in the least restrictive and more cost effective setting for Medicaid recipients is furthered by increasing funding for these programs. All of these programs have saved the Medicaid program significant dollars. FALA supports increased funding for the Assistive Care Services Waiver, the Assisted Living for the Elderly Waiver, and the Nursing Home Diversion Program. Property Tax Exemption Property taxes have increased over 80% and many assisted living facilities are faced with the possibility of closing due to the inability to pay high property tax assessments. Particularly hard hit are the smaller facilities with limited budgets that care for individuals on limited incomes and that receive state/federal funding. These facilities play a vital role by providing appropriate care in the least restrictive and more affordable settings for many low income seniors. The loss of these facilities would force many individuals into a more costly nursing home setting. FALA supports initiatives for relief of increased property taxes for assisted living facilities. 2 Alberta Granger Joins FALA Team FALA was proud to have Alberta Granger join the FALA team this year after her retirement from the Agency for Health Care Administration (AHCA). Alberta had been with the State of Florida for 35 years and most recently managed the Assisted Living Unit at AHCA. During the FALA Annual Conference in Ft. Myers, FALA presented Alberta with an appreciation plaque for her many years of service and dedication to the assisted living profession in Florida. Since coming to FALA, Alberta has been busy providing technical assistance to members, training, developing curriculum and working with FALA s Executive Director, Pat, on legislative issues. Alberta is available to FALA members for telephone assistance with survey questions, law and rule questions or general information. On site consulting is available by appointment for a fee.

3 FALA Office 1922 Miccosukee Road Tallahassee, FL Phone: Fax: Toll Free: FALA Staff Patricia Lange Executive Director Sally Hicks Director of Operations Courtney Ann Hicks Membership Manager Tom Campbell Director of Education Alberta Granger Assisted Living Specialist Sharon Collier Education Coordinator Karen Klena Marketing Manager FALA Officers Jamie Glavich President Krone Weidler Vice President Steven Schrunk Treasurer Brian Robare Immediate Past President Damon Thomas Secretary Larry Sherberg Past President s Adivsory Council Brian Bursa Ex Officio FALA Directors Linda Amin Director, Southwest Region Rene Buck Director, Northwest Region Veronica Catoe Director, Beds Luis Collazo Director, Southeast Region Nina Corsi Associate Member Representative Mark Crews Director, 50+ Beds Donna Damiani Director, West Central Region Charlie Goucher Director, ACS Facilities Albert Green Director, East Central Region Malcolm Harriman Director at Large Stacy Hartley Director, Northeast Region Michael Karban Director at Large Sandy Lynch Director, 50+ Beds John Lyncheski Chair, FALERF (Ex-Officio) Michael Okaty Associate Member Representative Mary Sue Patchett Director, Multi-Facilities FALA Installs New Board of Directors At the Annual Conference in August, FALA installed the newly elected Board of Directors for Officers President: Jamie Glavich, Almost Home Senior Services, Inc. Vice President: Krone Weidler, The Fountains ALF Treasurer: Steven Schrunk, Countryside Lakes Secretary: Damon Thomas, Emeritus Assisted Living Immediate Past President: Brian Robare, The Villa at Carpenter Directors Beds: Veronica Cate, The Allegro at Harbour Island 50+ Beds: Sandi Lynch, Ormond in the Pines ECC/LNS Facilities: Mark Crews, North Florida Retirement Village ACS Facilities: Charlie Goucher, Spring Hills Lake Mary At Large: Malcolm Harriman, Stone Ledge Manor At Large: Michael Karban, Bay Pointe Terrace Multi-Facilities: Mary Sue Patchett, Horizon Bay Retirement Living Association Member Representative: Nina Corsi, Evercare Association Member Representative: Michael Okaty, Foley & Lardner Region Directors Southwest Region: Linda Amin, Highlands at the Glenridge on Palmer Ranch Northwest Region: Rene Buck, Heritage Oaks Senior Housing Southeast Region: Luis Collazo, Palm Breeze Assisted Living Facility West Central Region: Donna Damiani, Heather Haven East Central Region: Albert Green, Summit Care ALF Northeast Region: Stacy Hartley, Ashford Court at Marsh Landing President s Advisory Council Larry Sherberg, Lincoln Manor Ex Officio Brian Bursa, Lewis, Brisbois, Bisgaard & Smith, LLP Chair, FALA Foundation John Lyncheski, Cohen & Grigsby 3

4 Creative Financing As you know, the downturn in the credit and housing markets and the ensuing economic recession have created difficult financial problems for the senior living industry. Occupancy rates at many facilities have declined or are declining, as more seniors are choosing to stay in their homes rather than move into senior living communities. This development, in turn, affects facility owners, who are finding it difficult to operate profitably, which in turn leads to distressed sales, bankruptcies, and, in some cases, facility closures. This article discusses the current financial environment of the senior living industry, exploring creative ways that operators are attracting residents in the hopes of avoiding unfortunate outcomes. Creative Financing to Attract Residents America s seniors have not been immune to the recent housing crisis. For some, it is affecting long-term housing and care options. The downturn has reduced the value of seniors homes in many cases the single, most valuable asset that many seniors own. Unfortunately, this crisis has struck when the cost of long-term care continues to increase. A recently released Case-Schiller Index report, which is considered a valuable source for housing market pricing information, showed that May prices this year were down 17.1 percent compared to In contrast, the increase in the average cost of long-term care from 2006 to 2008 ranged from 5 percent to 13 percent, depending on the type of service, with the cost of assisted living facilities increasing at the highest rate (according to a Prudential Insurance Company of America: Research Report 2008: Long-Term Care Cost Study). And the average monthly cost in an assisted living facility is roughly $3,000 per month. As a result, seniors, like all Americans, have become increasingly reluctant to list their homes for sale for fear that the price they would receive does not reflect the home s true value. Long-term care facilities (independent living facilities, assisted living facilities, nursing homes, and CCRCs) are feeling the effects of this recalcitrance, with fewer seniors moving in. Those which appear to be most affected by this trend are facilities like CCRCs that employ an entrance fee model. Those following a rental model, while still feeling the effects of this trend, have faired somewhat better. As a result, financial institutions and the facilities themselves are employing a number of creative strategies to assist seniors in these difficult market conditions. For example, Elderlife Financial has developed a home equity line of credit program to be used for entrance fees, deposits and rents until seniors can sell their homes. The equity line would even be available if the home is listed for sale, a practice which is typically prohibited under 4

5 traditional home equity lines of credit. The program acts as a kind of bridge funding that would allow seniors to enter long-term housing, then pay off the line of credit once their home is sold (according to Irving Levin Associates, Inc., The Senior Care Investor, Vol. 21, Iss. 3, Mar. 2009). Long-term care facilities are also offering an array of new financing options, allowing seniors to finance entrance fees or monthly rental payments. For example, a recent Chicago Sun Times article mentioned some long-term care facilities waiving certain fees or offering introductory rates to entice seniors to move in. Still others are offering seniors assistance selling their homes, sometimes agreeing to purchase the home if it does not sell within a specified time period from the move-in date. Finally, certain developers are changing their business models, constructing facilities in phases and guarantying each resident will have appropriate housing no matter what level of services are needed, irrespective of the stage of the facility s development. Distressed M&A Activity Just as senior living facility owners and operators are finding it increasingly difficult to maintain revenue streams, in part due to the decrease in occupancy rates, capital for merger and acquisition activity has similarly become scarce. In fact, a recent study found that merger and acquisitions (M&A) activity in the senior living industry is 50% below what it was during the last six months of 2008, averaging 14 announced transactions per quarter. This development is not surprising, since M&A activity for many sectors of the economy has decreased dramatically, with 2009 being described as a subdued year for M&A activity. And the value of global announced mergers and acquisitions fell to $1,670 billion for 2009, compared to $2,520 billion in 2008 and $3,600 billion in A majority of the activity in the senior living industry has involved underperforming or lower-quality properties. Below are several examples of the significant measures that some companies have been forced to take in these uncertain economic times. Sunwest Management recently reached a tentative agreement to sell up to 148 senior living properties to Blackstone Real Estate Advisors, a private equity investment firm. (according to The Oregonian, Sept. 15, 2009). Although it has concerns about the lowball price, which is reported to be $270 million in cash plus the assumption of $1 billion in bank debt, Sunwest has signed a preliminary term sheet. Blackstone s offer is contingent on Sunwest s restructuring following a Securities and Exchange Commission lawsuit in which it is alleged that Sunwest and its former CEO misled investors. If approved by the court, the plan would then be considered in conjunction with Sunwest s reorganization under Chapter 11 later this year. Sunwest previously sold several facilities in the Carolinas as part of bankruptcy proceedings. Late last year, Five Star Quality Care purchased seven independent living, assisted living and Alzheimer s care communities in North and South Carolina from affiliates of Sunwest Management. Sunrise Senior Living announced in March 2009 (Washington Post article) that it may seek bankruptcy protection if it cannot reach new agreements with its lenders. In its most recent reporting of financial and operating data, Sunrise admitted that even if its efforts to extend maturity dates and obtain covenant waivers with respect to some of its debt were successful, it would still have to refinance existing indebtedness that becomes due within the next 12 months. Sunrise also confirmed that it was engaged in discussions with venture partners and other third parties regarding the sale of certain assets. These discussions may lead to the sale by Goldman Sachs of 21 properties owned by Sunrise, currently dubbed the Blackjack portfolio, for an estimated $185 million (according to Irving Levin Associates, Inc., The Senior Care Investor, Oct. 2009). Downey Regional Medical Center Hospital recently filed for reorganization under Chapter 11. Healthcare Finance Group, a specialty lender dedicated exclusively to healthcare companies, announced on September 29, 2009 that it had provided $10 million in debtor-in-possession financing to Downey Regional Medical Center Hospital for the continued operation of its acute care hospital in Southeast Los Angeles. 5

6 Some operators are simply shutting down facilities. Jackson Health System recently proposed closing two Miami area nursing homes, among other actions, to achieve a balanced budget (The Miami Herald, Sept. 17, 2009). The plan would close the Perdue Medical Center in South Dade and Jackson Memorial Long Term Care Center in Miami, which were described as persistent money losers. Jackson Health s CEO said that the nursing home residents, many of whom are undocumented immigrants, would be placed in other facilities with Jackson continuing to be financially responsible for the residents. Unfortunately, until the credit and housing markets return to normalcy (with the new normal being different than in the recent past), seniors will continue to delay selling their homes and moving to senior living residences. This means that operators will continue to utilize creative methods for attracting seniors to their facilities. It also means that distressed sales and bankruptcies in the senior living industry will likely continue. Michael A. Okaty is a partner with Foley & Lardner LLP in Orlando, and is founder and chair of the firm s Senior Living Industry Team. He can be reached at or 2009 Sid Rosenblatt Excellence in Leadership Award Kandy Hill, long time FALA lobbyist, was the recipient of the 2009 Sid Rosenblatt Excellence in Leadership Award at the FALA Annual Conference. Kandy has been instrumental in achieving increases in funding and during these tough budget ome diversion program,safeguarding assisted living funding programs and achieving increases in the FALA since 2005 and has been instrumental in getting increases in the Nursing Home Diversion Program over the years. Additionally, she led the charge in 2007 when FALA was successful in increasing the reimbursement rate for the Assisted Living for the Elderly Waiver. 6 Recently Steven Schrunk of Countryside Lakes hosted a fundraiser for Representative Marco Rubio who is running for U.S. Senator in the 2010 Election.

7 2009 Conference Photos

8 2009 Conference Photos

9 Horizon Bay Retirement Living Announces New Hyde Park Community South Tampa project will serve as company s flagship property Horizon Bay Retirement Living, a national seniors housing operator based in Tampa, Fla., announces plans to build a new luxury retirement community in the historic Hyde Park area of South Tampa. Scheduled to open in 2011, the new community, which will be named Horizon Bay at Hyde Park, will serve as Horizon Bay s flagship property. The property is being developed by BI Hyde Park, LLC., and is designed to accommodate both independent and assisted living older adults. Horizon Bay at Hyde Park joins six other communities currently managed by Horizon Bay in the greater Tampa Bay area. We are proud to build our flagship community right here in Tampa, says Thilo Best, Chairman & CEO of Horizon Bay Retirement Living. This community will be an excellent addition to our ever-growing roster of diverse retirement communities nationwide. This area has been good to us, and we really wanted to give back to the city of Tampa. This community will provide good jobs for many local residents, and we look forward to serving the families and older adults of the Tampa area for many years to come. During construction, the six-story mid-rise building will provide 100 full-time construction jobs, as well as 50 to 60 operational jobs when the project is complete. The last retirement community designed to offer independent and assisted living apartments was built in Tampa over 20 years ago. This property will feature 136 apartment homes, with a wide range of services and amenities. Located at 800 West Azeele Street, the community will be built in the heart of the historic Hyde Park area of South Tampa, and will feature its very own Internet café, library, fitness center, game room, pool and a bar and lounge area with views of Tampa Bay. With 9 ceilings, each apartment home will have full kitchens, granite countertops, walk-in closets, ceramic tile and carpet flooring. Currently managing over 16,000 units with 89 communities in 18 states, Horizon Bay Retirement Living is one of the top ten seniors housing operators in the United States. With this transaction, Horizon Bay will expand to 23 communities located in the state of Florida. Horizon Bay at Hyde Park joins six other communities in the greater Tampa Bay area, including Pinecrest Place in Largo, Horizon Bay in Lutz, Horizon Bay in Clearwater, and Regency Oaks, also in Clearwater. Sarasota communities include Horizon Bay in Sarasota and Waterside Retirement Estates. For more information on Horizon Bay, visit About Horizon Bay Retirement Living Based in Tampa, Fla., Horizon Bay Retirement Living is a privately owned seniors housing management company focused on managing large portfolios of retirement communities across the United States for institutional real estate investors. With 88 communities in 18 states, the company has grown beyond traditional property management into a fully integrated service platform. The Horizon Bay portfolio includes independent living, assisted living, memory care, skilled nursing care and continuing care retirement communities. For more information on Horizon Bay, visit HYPERLINK 7

10 2010 FALA Legislative Days REGISTER TODAY! Make plans today to attend FALA Legislative Days 2010! Your legislators need to hear from you so they understand assisted living. We must demonstrate a united front to ensure our voice is heard. You can make the difference between achieving success and maintaining the status quo. Your voice counts and needs to be heard! MAKE APPOINTMENTS TO MEET WITH YOUR LEGISLATORS Call your local legislators offices to make appointments to meet with them during one of the time frames listed below (Tuesday and Wednesday). If you need assistance, contact the FALA office. REGISTRATION PACKET When you register you will receive a packet from FALA with details about the meeting including a complete schedule of events, the FALA Legislative Guidebook and contact information for your legislator. ACCOMODATIONS FALA has negotiated a very special room rate of $ at the Residence Inn by Marriott for the night of Tuesday, February 16, In order to receive the special group rate, you must indicate that you are with the FALA Legislative Days Event room block. Cut off date is January 29, Residence Inn by Marriott 600 West Gaines Street Tallahassee, Fl AGENDA Tuesday, February 16 12:30pm Registration Residence Inn by Marriott 1:00-2:00pm Legislative Issue Briefing Residence Inn by Marriott 2:30pm-5:00pm Legislator Appointments 6:30pm-8:30pm Reception Residence Inn by Marriott Wednesday, February 17 8:00am-12:00pm Legislator Appointments 12:00pm-1:30pm Lunch Residence Inn by Marriott 1:30pm Travel home Name: Facility/Business: Mailing Address: City FL Zip+Four Credit Card #: Exp. Date: Name on Card: Signature: Phone #: Fax #: Payment Method: Check Visa MasterCard Amex Amount: 8 Checks should be made payable to FALA and mailed to the address below. Florida Assisted Living Association Legislative Days Miccosukee Road Tallahassee, FL Phone: (850) (850) fax

11 Assisted Living Administrator Core Training 2010 Schedule This program is designed for prospective assisted living facility administrators in preparation to take the state mandated exam Please allow sufficient travel time for weather, parking and traffic. We will begin on time each day! Seating is limited please register early. Classes are Monday Friday 8:00 am 4:30 pm Pre-registration and payment is required to attend. No cancellations one week prior to class Registration Fee: $375 for FALA members, $ for non-members and includes all materials. Jan Jacksonville, Instructor: Tom Campbell Class # 1101 APEX HOME HEALTHCARE 6789 Southpointe Pkwy., Jacksonville, Jan Lakeland, Instructor: Jack Morton Class # 3101 Southland Suites 4250 Lakeland Highland Rd., Lakeland, Jan Tallahassee, Instructor: Alberta Granger Class # 4101 Heritage Oaks Senior Housing 4501 Shannon Lakes Dr. W., Tallahassee, Jan Sarasota, Instructor: Tom Campbell Class # 1102 The Pines of Sarasota 1501 N. Orange Ave, Sarasota, Feb 1-5 Orlando, Instructor: Tom Campbell Class # 1103 Westchester ALF 558 N. Semoran Blvd, Winter Park, Feb 8-12 Boynton Beach, Instructor: Tom Campbell Class # 1104 Homewood Residence of Boynton Bch 2400 S Congress Ave, Boynton Bch, Feb 8-12 Lutz, Instructor: Jack Morton Class # 3102 Horizon Bay of Lutz 414 Chapman Rd. East, Lutz, Mar 8-12 Jacksonville, Instructor: Tom Campbell Class # 1105 APEX HOME HEALTHCARE 6789 Southpointe Pkwy., Jacksonville, Mar 8-12 Pinellas Park, Instructor: Jack Morton Class # 3103 Bayside Terrace 9381 US Hwy 19 N, Pinellas Park, Mar 8-11 Panama City, Instructor: Alberta Granger Class # 4102 Gulf Coast Counseling, The Kidd Farm 5409 Nehi Rd., Panama City, Mar Vero Beach Area, Instructor: Virginia Wood Location to be announced Mar Sarasota, Instructor: Tom Campbell Class # 1106 The Pines of Sarasota 1501 N. Orange Ave, Sarasota,

12 Apr Orlando, Instructor: Tom Campbell Class # 1107 Westchester ALF 558 N. Semoran Blvd, Winter Park, Apr Sun City Center, Instructor: Jack Morton Class # 3104 The Inn at The Courtyards 255 Courtyard Blvd., Sun City Center, Apr Lauderhill, Instructor: Tom Campbell Class # 1108 The Lenox on the Lakes 6700 W. Commercial Blvd., Lauderhill, May 3-6 Pensacola, Instructor: Alberta Granger Class # 4103 Homestead Village 7830 Pine Forest Rd, Pensacola, May Jacksonville, Instructor: Tom Campbell Class # 1109 APEX HOME HEALTHCARE 6789 Southpointe Pkwy., Jacksonville, May Palm Harbor, Instructor: Jack Morton Class # 3105 Coral Oaks 900 West Lake Rd., Palm Harbor, May Sarasota, Instructor: Tom Campbell Class # 1110 The Pines of Sarasota 1501 N. Orange Ave, Sarasota, Jun 7-11 Boynton Beach, Instructor: Tom Campbell Class # 1111 Homewood Residence of Boynton Bch 2400 S Congress Ave, Boynton Bch, Jun Lakeland, Instructor: Jack Morton Class # 3105 Southland Suites 4250 Lakeland Highland Rd. Lakeland, Jun Orlando, Instructor: Tom Campbell Class # 1112 Westchester ALF 558 N. Semoran Blvd, Winter Park, Jul 6-9 Jacksonville, Instructor: Tom Campbell Class # 1113 APEX HOME HEALTHCARE 6789 Southpointe Pkwy., Jacksonville, Jul Sarasota, Instructor: Tom Campbell Class # 1114 The Pines of Sarasota 1501 N. Orange Ave, Sarasota, Jul Gainesville, Instructor: Alberta Granger Class # 4104 North Florida Retirement Village NW 32nd Ave, Gainesville, Aug 2-6 Orlando, Instructor: Tom Campbell Class # 1115 Westchester ALF 558 N. Semoran Blvd, Winter Park, Aug Lauderhill, Instructor: Tom Campbell Class # 1116 The Lenox on the Lakes 6700 W. Commercial Blvd., Lauderhill,

13 Aug Hernando, Instructor: Jack Morton Class # 3106 Residence at Timber Pines 3140 Forest Rd., Spring Hill, Sept 7-10 Tallahassee, Instructor: Alberta Granger Class # 4105 Heritage Oaks Senior Housing 4501 Shannon Lakes Dr. W., Tallahassee, Sept Jacksonville, Instructor: Tom Campbell Class # 1117 APEX HOME HEALTHCARE 6789 Southpointe Pkwy., Jacksonville, Sept Vero Beach Area, Instructor: Virginia Wood Location to be announced Sept Pinellas Park, Instructor: Jack Morton Class # 3108 Bayside Terrace 9381 US Hwy 19 N, Pinellas Park, Sept Sarasota, Instructor: Tom Campbell Class # 1118 The Pines of Sarasota 1501 N. Orange Ave, Sarasota, Oct Orlando, Instructor: Tom Campbell Class # 1119 Westchester ALF 558 N. Semoran Blvd, Winter Park, Oct Holiday, Instructor: Jack Morton Class # 3109 Sunshine Christian Homes 5250 Whippoorwill Dr., Holiday, Oct Pensacola, Instructor: Alberta Granger Class # 4106 Homestead Village 7830 Pine Forest Rd, Pensacola, Oct Boynton Beach, Instructor: Tom Campbell Class # 1120 Homewood Residence of Boynton Bch 2400 S Congress Ave, Boynton Bch, Nov 8-12 Jacksonville, Instructor: Tom Campbell Class # 1117 APEX HOME HEALTHCARE 6789 Southpointe Pkwy., Jacksonville, Nov Lutz, Instructor: Jack Morton Class # 3110 Horizon Bay of Lutz 414 Chapman Rd. East, Lutz, Nov Sarasota, Instructor: Tom Campbell Class # 1122 The Pines of Sarasota 1501 N. Orange Ave, Sarasota, Nov Panama City, Instructor: Alberta Granger Class # 4109 Gulf Coast Counseling, The Kidd Farm 5409 Nehi Rd., Panama City, Dec 6-10 Lauderhill, Instructor: Tom Campbell Class # 1123 The Lenox on the Lakes 6700 W. Commercial Blvd., Lauderhill, Dec Orlando, Instructor: Tom Campbell Class # 1124 Westchester ALF 558 N. Semoran Blvd, Winter Park, To register for class go to and go to the Education Tab. Select, To register for class Click here and follow the directions. If you need additional help or information call: (800) and ask for Sharon Collier 11

14 1922 Miccosukee Road Tallahassee, Florida ssociation

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