Manly, Warringah and Pittwater Councils have produced this guide for older people.

Manly, Warringah and Pittwater Councils have produced this guide for older people. While it is anticipated that readers will find the information in the guide to be up-to-date and useful, please direct any further suggestions or inquiries to the Aged Services Workers at your local Council, as follows: Manly Council Ph. 9976 1562 Pittwater Council Ph. 9970 1199 Warringah Council Ph. 9942 2563 or 9942 2560 Other guides produced by Councils Aged Services are: Leisure Guide for Older Residents Services Guide for Older Residents Guides can be obtained from the Aged Services Workers; Councils Customer Service Centres; Libraries; Neighbourhood and Community Centres and on the following Council websites: Manly Pittwater Warringah http://www.manly.nsw.gov.au (Community Services, Aged, Publications) http://www.pittwaterlga.com.au (A-Z, O, Older Persons) http://www.warringah.nsw.gov.au (Aged Services) Note: Every effort has been made to supply accurate information in this booklet, but Government regulations and private operators fees may change from time to time. Please check before you commit to a new home. Editor. Retirement Housing Guide 2007

CONTENTS CONTENTS...1 INTRODUCTION...3 HOUSING OPTIONS TO CONSIDER...4 REMAINING IN YOUR OWN HOME...5 MOVING INTO RETIREMENT...6 LEVELS OF CARE IN RETIREMENT...7 THE RETIREMENT VILLAGE ACT...8 RETIREMENT VILLAGES IN MANLY, WARRINGAH, AND PITTWATER...9 MOVING INTO RESIDENTIAL CARE...10 HOUSING SERVICES FOR PENSIONERS...11 TENANCY ADVICE FOR RENTERS...11 OTHER HELPFUL SERVICES...12 EQUITY RELEASE LOANS...14 CHURCH & NON PROFIT RETIREMENT VILLAGES...16 Wesley Heights Aged Care Facility...16 Allambie Lutheran Homes Inc and Martin Luther Hostel...17 Druids Court...18 Elizabeth Jenkins Place...18 Salvation Army Northern Beaches Aged Care Services...18 Eurobodalla Homes, Allambie Heights...19 Fred Hutley Village...19 Furlough House...20 MacDonald Homes...20 Pacific Lodge Aged Care Hostel...21 Salvation Army Northern Beaches Aged Care Services...21 Wesley Gardens Aged Care...22 William Charlton Village & Waratah Lodge...23 Charles O Neill...24 Eurobodalla Homes, Newport Branch...24 George Mockler Hostel...25 RESIDENT FUNDED RETIREMENT VILLAGES...26 Drummond House...26 Belrose Country Club...27 Dee Why Gardens...28 Forestville Retirement Village...28 Glenaeon Retirement Village...29 Maybrook Manor...30 Narrabeen Village...30 RSL LifeCare - RSL Anzac Village The War Vets...31 Scalabrini Village...32 Retirement Housing Guide 2007 Page 1

St David s Village, Anglican Retirement Villages...32 The Pines Retirement Village...33 Tredinnick Village...34 W G Taylor Village...34 Warringah Place...35 Willandra Retirement Village...36 Willandra Bungalows Retirement Village...36 Bayview Gardens...37 Minkara Retirement Village...38 Peninsula Gardens...39 Pittwater Palms...39 Pittwater Village...40 Seabeach Gardens...41 Seaside Retirement Village & Nursing Home...42 CHECK LIST (FOR RESEARCHING )...43 HIGH LEVEL CARE (NURSING HOMES)...51 LIST BY SUBURBS ON THE NORTHERN BEACHES...54 Retirement Housing Guide 2007 Page 2

INTRODUCTION When you retire, it is important to think about your lifestyle and housing needs. It is recommended that you look into your future physical, social and financial needs in order to plan for the way you spend your retirement years. Research is the key to planning and making decisions. Information and services are freely available to assist you in making these decisions and we recommend that you spend time looking into all your options. This guide identifies the choices available for retirees over the age of 55 and suggests various publications and agencies that can assist you. If you decide to remain in your own home and receive community services you may need to modify your home. If you decide to move into a retirement village or an aged care facility, it is important that you visit a number of villages, work out your ongoing financial commitments and talk it over with the advisors. Whatever your choice, it is best to explore all the possibilities while you are still active and healthy! Retirement Housing Guide 2007 Page 3

HOUSING OPTIONS TO CONSIDER There are a number of housing options that you can consider if you are a pensioner or if you have assets and/or own your home: Housing options for Pensioners You could: Apply for Department of Housing Accommodation; Share your rental accommodation with a flat mate; Apply for retirement village accommodation provided by a church or non-profit organisation on a rental or entry donation basis. Housing options if you have assets and/or own your own home You could: Share your home with a tenant or boarder Purchase a mobile home or caravan; Consider building an attached granny flat on your family property; Upgrade your home for retirement with a Home Equity Release Loan ie. a reverse mortgage (see page 14) Purchase a townhouse or unit in a convenient location; Purchase a specially designed unit (in a small complex) offering some facilities for older people, or people with disabilities (known as SEPP Seniors Living 2004); Apply for retirement accommodation provided by a church or nonprofit organisation on an entry donation basis; or Buy a unit or serviced apartment in a resident funded retirement village. Retirement Housing Guide 2007 Page 4

REMAINING IN YOUR OWN HOME If you would like to stay in your own home, there are a range of services which can assist you in doing so. The care that you receive in your home is your personal choice. However, this will also depend on the availability of the local services and the level and type of care that is most suitable for you. There are services that can assist with: Housework such as cleaning, washing, and ironing Delivered meals (hot, cooked/chilled or frozen) and/or a weekly meal in a local community restaurant Help with personal care such as showering and dressing Transport either by private vehicle or community bus Home maintenance and modifications such as ramps and rails Garden maintenance and modifying the garden to easy care Nursing and medication distribution Government Funded Programs that provide help and support for older people and people with disabilities living in their own homes are: The Home and Community Care (HACC) Program services such as Home Care, Meals on Wheels, respite, case management and dementia monitoring. Community Aged Care Packages (CACP) - provided by church and community organisations for frailer people who have greater support needs. The packages are intended to provide personal care services at the level provided in a hostel while allowing the person to remain in their own home. Extended Aged Care in the Home (EACH) services equivalent to nursing home level care provided in the home. To find out whether you are eligible for HACC, CACP or EACH services contact: Your doctor Northern Sydney Commonwealth Carelink Centre Ph 1800 052 222 The Aged Care Assessment Team (ACAT) Manly Ph 9951 0330, Mona Vale Ph 9998 0356 Retirement Housing Guide 2007 Page 5

MOVING INTO RETIREMENT Retirement accommodation varies greatly. Originally, church and charitable organisations provided this accommodation. However, in the 1980 s private developers became involved. As a result luxurious retirement villages were built for asset-rich retirees (55 years plus). Retirees can purchase or lease housing within a retirement complex and the management provides various services. Types of retirement complexes A retirement complex may consist of: Selfcare units only Selfcare units with serviced apartments A combination of selfcare and supported care accommodation i.e. hostel/serviced apartment or nursing home care A newer option is smaller complexes built specifically for older people and people with disabilities. These may consist of 3 to 12 selfcare units, with no community facilities or very limited facilities for the residents. These complexes are known as SEPP Seniors Living 2004. Types of contracts There are five types of contacts used in retirement accommodation: 1. Rental Agreement A weekly rental contribution for pensioners without assets. Involves signing a residential tenancy agreement and paying rent. Management to decide on the amount of rent payable. 2. Loan/Licence Agreement Payment of a fixed up-front interest free loan (commonly known as the ingoing contribution). The retirement village generally keeps a proportion of the loan, which is normally determined by the length of time lived in the property. Recurrent charges, normally fortnightly or monthly, are also payable for maintenance and other costs. 3. Leasehold Arrangements A long-term lease of 99 or 199 years. Tenant is registered on the title deeds. Involves payment of an ingoing contribution (deposit). Recurrent charges are also payable. 4. Company Title A company operated village, which a person purchases shares into. This gives the person the right to occupy the premises. 5. Strata Schemes A full title to a premise, which can be sold and bought under the same boundaries that apply to the village. Strata Levies are payable. You must enter into a service contract with the operator (in relation to management and administration of common property). Retirement Housing Guide 2007 Page 6

The legal structure of a contract will ultimately determine future rights and financial commitments. It is essential that after reading the contract thoroughly, potential residents get legal advice from a solicitor who has had experience dealing with retirement housing contracts. It is also important to get advice to clarify the immediate and ongoing financial commitment. LEVELS OF CARE IN RETIREMENT Selfcare Units An independent or selfcare unit in a retirement village allows residents to live independently. Prices for the units can vary a great deal. Prices are determined by whether it is a private or not for profit village, its location, the size of the unit, and what facilities are included. In general terms, a selfcare unit in a village is similar to any other small home unit, with the same advantages of privacy and convenience. If residents require personal assistance many villages have services onsite or the village management may liaise with commercial services. Home and Community Care Services may provide services to residents in selfcare units, however some services have policies that do not permit this. Private living space usually consists of 1, 2 or 3 bedrooms, lounge, kitchen, and bathroom. Some units have a garden area and other features, depending on whether it is resident funded or donor/rental funded. Services such as cleaning, nursing and meals could be available to selfcare residents on a user pays basis. Serviced Apartments This type of accommodation usually consists of a one bedroom unit or bedsitter with bathroom and limited or no kitchen facilities. Residents share dining and community facilities. Personal assistance such as meals, cleaning, laundry and emergency assistance are covered in the weekly fee. Full personal care such as showering/dressing, nursing and delivered meals may be offered on a fee for service basis. Retirement Housing Guide 2007 Page 7

THE RETIREMENT VILLAGE ACT The Retirement Village Act 1999 is aimed at ensuring that older people who choose to live in a retirement village have security and peace of mind and are protected from exploitation. The Act applies to all existing and future retirement villages in New South Wales and will apply to existing contracts between operators (management) and residents. Benefits: Potential residents will be given a standard disclosure statement A booklet from the Department of Fair Trading, explaining the industry and the rights of residents and operator will be given Copies of contracts will be supplied 14 days before resident signs A 7 day cooling off period will apply Waiting list fee does not exceed $200 Compliance with the Act will ensure: Each village has a correctly prepared disclosure statement with information about security, village facilities, fees and cost Village contracts comply with the requirements of the Act Residents committees, where they have been set up, are working effectively Advertised facilities are being provided Required financial statements are being provided to residents Residents consent is being obtained before yearly expenditure is incurred Only approved expenditure is charged to residents The Department of Fair Trading publishes a booklet Retirement Village Living - An overview of the NSW Retirement Village Laws which gives prospective residents invaluable information when researching retirement villages (available from your local library and from the Department and its website see below). The Department also produces fact sheets on various topics of public interest under the Act, and also a brochure explaining amendments to the Act that were effective from March 2004. The Department of Fair Trading can be reached on 13 32 20 Web site: www.fairtrading.nsw.gov.au Retirement Housing Guide 2007 Page 8

RETIREMENT VILLAGES IN MANLY, WARRINGAH, AND PITTWATER State government policy permits housing for people over the age of 55 years and those with a disability. This is known as SEPP Seniors Living 2004. It is popular with developers in this area due to the availability of possible sites. Councils have a responsibility to ascertain that these developments are designed and located appropriately, and have the necessary support services for this group, however the State Land and Environment Court will have the final say. Councils encourage good models of retirement housing and attempt to ensure that these developments are suitable for the people for whom they are intended. This guide profiles local retirement villages, however it does not identify a number of the smaller complexes, which have been permitted since the late 1990 s under SEPP 5 (now known as SEPP Seniors Living 2004). These complexes may consist of 3 to 12 units for independent living, however residents must be of 55 years and over or have a disability. This directory attempts to give you sufficient background as to the location, facilities and services of the villages to enable you to reflect on your particular needs and make comparisons before researching further. Retirement Housing Guide 2007 Page 9

MOVING INTO RESIDENTIAL CARE If it becomes too difficult to remain in your own home you may choose to research the options of retirement accommodation. For those frailer people with more complex needs the Government subsidises two main types of residential care. These are: Low Level Residential Care (Hostel Units) This level of care is usually in a hostel type environment (i.e. single rooms) for people who need assistance but do not need full nursing care. It offers personal care services (such as showering, dressing, toileting, medications etc) as well as providing all meals and laundry services. Other health care such as physiotherapy, occupational therapy and podiatry are often available. Some low level residential care provides access to nursing staff if required. You may be asked to pay an accommodation bond on entering low-level residential care. There is no fixed amount for this, but you cannot be charged a bond which would leave you with less than $30,500 in assets. If you are married, only half your assets will be taken into consideration. An amount of up to $3,186 per annum will be deducted from the bond for a maximum of five years. High Level Residential Care (Nursing Homes) This care involves 24 hour nursing care supervised or delivered by registered nursing staff for frail people with very complex needs. It includes all personal care services plus allied health services such as physiotherapy, occupational therapy, recreational therapy etc. When entering a nursing home, an accommodation charge may be levied. This charge can only be levied for a maximum of five years, after which no further contributions to the accommodation charge will be made. The amount a person pays will depend on their assets. The accommodation charge is calculated on a daily basis to a maximum of one month in advance. You can only be asked to pay this charge if you have more than $30,500 in assets. The maximum charge is $6,070.00 per year or the margin of assets above $30,500 divided by 5 years, whichever is lower. For further information or an Assessment for Eligibility to both Low and High Level Care contact: The Aged Care Assessment Team: Manly Ph: 9951 0330; Mona Vale Ph: 9998 0356. Retirement Housing Guide 2007 Page 10

HOUSING SERVICES FOR PENSIONERS Department of Housing 17a/18 Ground Floor, 818 Pittwater Road, Dee Why Ph: 9971 3600; Website: www.housing.nsw.gov.au The Department of Housing: Receives applications for permanent accommodation from low income earners and offers an Accelerated List of over 80 s applicants Manages public tenancies Helps with a rental bond through the Rent Start Scheme Gives special assistance subsidy for people with a disability to help with rent in the private market It is advisable to register with the Department as early as possible, so they are aware of your need. Do not be deterred by long waiting lists. Your situation may change and it may be an appropriate option in five years time. The Department will require documentation on age, income, assets and permanent residency. Garrigal Housing Association Level 4, 117-119 Pacific Hwy, Hornsby Ph: 9477 1105 Provides subsidised housing to financially disadvantaged people while waiting for Department of Housing accommodation. A means test applies and while there is a waiting list, applicants are housed on a needs basis. TENANCY ADVICE FOR RENTERS Northern Area Tenants Service Inc. Ph: 9884 9605 Advice, advocacy and support for tenants Hours: Monday 9.00am 5.00pm Tuesday 9.00am 2.00pm Thursday 9.00am 5.00pm Friday 9.00am 2.00pm The Tenants Union of New South Wales Ph: 8117 3700, 1800 251 101; Web site: www.tenants.org.au Advisory service to the public on tenancy matters Retirement Housing Guide 2007 Page 11

OTHER HELPFUL SERVICES The following services are available to assist you in researching your retirement accommodation options. The Aged-Care Rights Service Inc. (TARS) Level 4, 418a Elizabeth Street, Surry Hills NSW 2010 Ph: 9281 3600; Web site: www.tars.com.au This is an advocacy service for residents and potential residents of all aged care facilities. The service will provide you or your family with information, advice and assistance. Centrelink Retirement Line 660-664 Pittwater Road, Brookvale 2100 Ph: 13 23 00 Web site: www.centrelink.gov.au (go to - Individuals, Retirement) This service assists retirees with any aged pension related information. Publications available include: Moving House - Your Choice Written for people, who are thinking of selling their home, are about to retire or have retired and qualify for a part or full pension. It covers options in selling and buying homes; issues affecting the Age Pension; practical suggestions for alterations or repairs to a home or moving. Home and Residences Choices for Older People Designed to help older people make appropriate choices of accommodation, whether they stay in their own homes or move into aged care accommodation. These publications are available on Centrelink s website (address above). Senior s Information Service Ph: 13 12 44 This service provides Information Officers to answer your queries about accommodation, Home Equity Release Loans (ie. reverse mortgages), welfare, health, benefits, etc. The Council on the Ageing (COTA) provides this service (ph: 9286 3860, 1800 449 1092; web site: www.cota.org.au) Publications available include: The Retirement Village Handbook Retirement Housing Guide 2007 Page 12

The Combined Pensioners and Superannuants Association of NSW Inc. Level 3, 25 Cooper Street, Surry Hills NSW 2010 Ph: 9281 3588 or 1800 451 488, Web site: www.cpsa.org.au This service can provide you with information about tenancy issues and housing options for older people. The Law Society of NSW Solicitor Referral Service Level 5, 170 Phillip Street, Sydney NSW 2000 Ph: 9926 0300, Web site: www.lawsociety.com.au This service will provide you with a referral to a solicitor willing to undertake legal work with retirement village contracts etc. Referrals can also be made online on the Law Society website (address above). Publications available include: Older People and the Law in New South Wales (electronic copy only) - available through the Law Society website, address above. The Department of Health & Ageing Ph: 9263 3555 or 1800 048 998, Web site: www.health.gov.au Aged and Community Care Information Line Ph: 1800 500 853 The Federal Government Aged and Community Care Information Line provides general information on Commonwealth funded residential aged care (nursing homes, hostels and respite care) community care (including Aged Care Packages and Community Care services such as home help and meal services) and other ageing support programmes Publication available includes Aged Care - making the choices that are right for you which explains the services available to help people to stay living independently at home and residential care options and fees. Seniors Portal Web site: www.seniors.gov.au This Federal Government website for over 50 s includes content from over 40 Australian Government Agencies, eight State and Territory governments and over 250 other sources. Includes information about housing options and financial planning. Retirement Housing Guide 2007 Page 13

National Retirement Association Ph: 9266 0325 Provides leisure activities, information and advisory service relating to all aspects of retirement. Northern Sydney Commonwealth Carelink Centre Ph: 1800 052 222 Provides information about services for the frail aged and people with disabilities in the Northern Sydney region. This includes range of services, how to contact them, eligibility and referral requirements, any costs in receiving services. Retirement Village Association Ltd. - NSW & ACT Region Ph: 9747 4732, Email: enquiry.nsw@rva.com.au Web site: www.retirementvillagesaust.com.au Provides information regarding retirement villages in NSW and ACT EQUITY RELEASE LOANS It is now acknowledged that many seniors can expect to face a savings shortfall in their retirement. There are many options to consider that may address this, including: Selling the home and downsizing to a smaller one Borrowing from the family Adjusting your lifestyle to reduce daily expenses Returning to the workforce Releasing some of the equity from the sale of a portion of the property Releasing some of the equity in the home or investment property via an equity release mortgage. This last option is becoming increasingly popular and typical uses of such funds are: A holiday, travel, or purchase of a car Home maintenance and improvements Retirement Housing Guide 2007 Page 14

Long-term care or medical expenses Income supplement Debt consolidation Supporting children or grandchildren The most common equity release option available to seniors is a lifetime or reverse mortgage, which enables people over 60 to borrow against the value of their home without having to make any repayments until the home is sold or passes to their estate. Funds released can be taken as a single lump sum, a series of instalments or drawn under a line of credit facility. Options available vary with each lender. Because there are no repayments due while the borrowers are living in the property, interest and fees are added to the loan balance during this period. When the loan and all interest and fees are due for repayment, the borrowers or their estate will typically have the option of repaying the loan out in full and retaining the property, or selling the property and repaying the lender from the proceeds. Senior Australians Equity Release Association of Lenders (SEQUAL) SEQUAL was recently established to provide information and advice to seniors on equity release loans and to act as a watchdog in this sector. SEQUAL members are bound by a Code of Conduct which aims to protect borrowers and promote responsible equity release options. SEQUAL strongly recommends that you seek independent financial and legal advice before entering into any equity release option and has produced a leaflet Everything you need to know before taking out an equity release option, available on its website (see below). PO Box A217 Sydney South NSW 1235 Email: info@sequal.com.au, web site: www.sequal.com.au (Information edited from COTA Connections Issue 2, April 2005, and Issue 3 [Special Supplement on Equity Release Mortgages] September 2005. Published by the Council on the Ageing, NSW) Retirement Housing Guide 2007 Page 15

CHURCH & NON PROFIT RETIREMENT VILLAGES The following non-profit villages are operated mainly on either a rental or donation basis, however some villages have a mixture of legal arrangements and may even cater for those with assets. Please note that fees may have altered since printing of this publication. MANLY LOCAL GOVERNMENT AREA Wesley Heights Aged Care Facility 47 Birkley Road Manly NSW 2095 PHONE 9977 7366 RECREATION FACILITIES CONTRACT CONDITIONS Uniting Care (Wesley Heights Manly) Selfcare, low level care and high level care facility on site Selfcare - 6 one bedroom and 12 two bedroom units, Bedsitter 94 beds Hostel units - 61 (low level care), 60 (high level care) Public transport bus stop outside village Corner store Manly Village down the hill Community rooms and library facilities, limited activities program Contract for selfcare Accommodation bond (high and low level care) ENTRY COSTS Selfcare $128,000-$350,000 Low level care $128,000 Departure fees 30% of entry costs retained by operator over 5 years, 6% p.a. Selfcare $90.50 (bedsitter) to $107.00 weekly (1 bedroom), $85.00 for 2 bedroom (resident pays own electricity) ENTRY REQUIREMENTS Minimum age 55; medical certificate is required. Assessment by ACAT for low level and high level care Retirement Housing Guide 2007 Page 16

OTHER 2 respite beds; waiting list (no deposit except for 2 b/r). Birds allowed. Nursing Home has cat and dog WARRINGAH LOCAL GOVERNMENT AREA Allambie Lutheran Homes Inc and Martin Luther Hostel 3 Martin Luther Place Allambie Heights NSW 2100 PHONE 9975 5800 FAX 9451 2017 EMAIL WEB RECREATION FACILITIES CONTRACT CONDITIONS Allambie Lutheran Homes Inc. general@alhvillage.com.au www.alhvillage.com.au Selfcare and low level Hostel care 54 Selfcare units (1 & 2 bedroomed units) 27 low level care Hostel units 2 respite low level care Hostel units. Mini bus; public transport on Allambie Road Allambie Heights Village Community rooms, shop & library. Various of activities arranged for Hostel residents. Self-care:- Loan & Licence Agreement. Hostel:- Resident contract. ENTRY COSTS Selfcare $156,000 - $460,000 Low level care - $128,500 ENTRY REQUIREMENTS Selfcare $210 monthly Low level Hostel care as per Dept of Health and Aging fees and as assessed by Centrelink. Self-care: Minimum age 60 years Hostel care: ACAT assessment required for Hostel Retirement Housing Guide 2007 Page 17

Druids Court 2 Martin Luther Place Allambie Heights NSW 2100 (PO Box A69, Sydney South NSW 1235) PHONE 9267 9141 EMAIL RECREATION FACILITIES CONTRACT CONDITIONS ENTRY COSTS ENTRY REQUIREMENTS enquiry@acorn.au.com Acorn Prudential Limited Selfcare Selfcare units- 20 one bedroom Public transport on Allambie Road Allambie Heights Village Community room, picnic area Licence agreement Inquiries to Management Inquiries to Management Minimum age 60 years (female), 65 years (male) Elizabeth Jenkins Place Salvation Army Northern Beaches Aged Care Services 21 Eastbank Av Collaroy NSW 2097 PHONE 9982 9244 RECREATION FACILITIES The Salvation Army (NSW) Property Trust Low & High level care Hostel units 100 (some with respite care) Nursing home beds- 41 One block to public transport; Village bus available One block to Collaroy Shopping Village Recreation rooms, organised activities, chapel, indoor games, computer facilities, 2 Recreational Activities Officers on staff Retirement Housing Guide 2007 Page 18

CONTRACT CONDITIONS ENTRY COSTS ENTRY REQUIREMENTS OTHER Residents Agreement Accommodation bond (based on assets) departure fees, percentage of entry costs retained by operator over 5 years Weekly - 85% of pension ACAT assessment Special policies - Alcohol not allowed. Eurobodalla Homes, Allambie Heights 11 Aquatic Drive Frenchs Forest NSW 2086 PHONE 9997 2543 RECREATION FACILITIES CONTRACT CONDITIONS ENTRY COSTS ENTRY REQUIREMENTS OTHER Eurobodalla Homes Charitable Organisation Selfcare Selfcare units - 28 one bedroom Public transport outside the door Skyline approximately 1 km Community Hall Rental $200 refundable cleaning fee Rent per fortnight $105 single, $110 double Accommodation for financially disadvantaged people Long waiting lists; residents invited to be involved in fundraising activities Fred Hutley Village 183 Allambie Road Allambie Heights NSW 2100 PHONE 9975 3605 Selfcare 108 self contained, 96 bedsitters singles Retirement Housing Guide 2007 Page 19

12 one bedroom doubles RECREATION FACILITIES CONTRACT CONDITIONS ENTRY REQUIREMENTS Convenient for local buses Allambie shops Recreation Hall Rental $50 per person weekly Pensioners Furlough House 72 90 Ocean Street Narrabeen NSW 2101 PHONE 9913 7286 EMAIL RECREATION FACILITIES CONTRACT CONDIRIONS ENTRY COSTS djohnsonfhinc@ozemail.com.au Furlough House Inc. Selfcare Selfcare 82 Units Public Transport one block away. Woolworths Narrabeen, 2 blocks away from village, Bowls, bingo, large print library, mini bus outings Rental Donation- from $2,500 depending on unit type Weekly from $58.00 ENTRY REQUIREMENTS OTHER Ex-service personnel and/or spouse of ex-service Personnel No dogs or cats, only birds in cages. 24-hour call emergency buttons in every bathroom and bedroom, answered on site. MacDonald Homes 74 & 86 Oaks Avenue & 85 Howard Avenue Dee Why NSW 2099 PHONE 8966 8020 Retirement Housing Guide 2007 Page 20

RECREATION FACILITIES CONTRACT ARRANGEMENTS ENTRY COSTS ENTRY REQUIREMENTS UnitingCare Ageing Northern Sydney Region Selfcare Selfcare- 15 one bedroom and 9 two bedroom units Public transport bus on Howard Avenue Dee Why shopping centre 2 blocks away No Rental N/A Weekly fees - 25% of single pension Minimum age 60; must be financially disadvantaged people Pacific Lodge Aged Care Hostel Salvation Army Northern Beaches Aged Care Services 15 Fisher Road Dee Why NSW 2099 PHONE 9982 8477 RECREATION FACILITIES CONTRACT CONDITIONS ENTRY COSTS ENTRY REQUIREMENTS OTHER The Salvation Army (NSW) Property Trust Low level care 59 bedsitter hostel units with respite care; full board with meals provided Village bus available; public transport- one block One block to Dee Why Village Recreation rooms, organised activities, chapel, indoor games, 2 Recreational Activities Officers on staff Residents Agreement Accommodation bond (based on assets) Departure fees, percentage of entry costs retained by operator over 5 years Weekly - 85% of pension ACAT assessment Alcohol not allowed. Not suitable for wanderers Retirement Housing Guide 2007 Page 21

Wesley Gardens Aged Care 2b Morgan Road Belrose NSW 2085 PHONE 9452 3022 EMAIL RECREATION FACILITIES CONTRACT CONDITIONS ENTRY COSTS admissions@wesleygardens.com.au Uniting Care Aging Northern Sydney Region Self Care, low level care general and dementia specific. High level care general and dementia specific. Respite care Self care units 60 x 1 bedroom units in Forestville. Low level care Single room with ensuite. High Care-shared accommodation 2 and 4 Bed. Dementia specific low and high care Single room with ensuite Public transport available; Village bus for outings. Glenrose & Forestway Shopping Centre Self Care Recreational community/activites room, library, outdoor BBQ, resident social committee for organising outings, activities etc. Low & High level care - recreation rooms, organised activities, arts and crafts, computer facilities, indoor and outdoor games & BBQ Resident agreement Self Care: Entry contribution $128,500 (changes twice / yr on Pension increase). Departure fee 30% of entry contribution over 5 years maximum calculated on a daily basis. Low Care: Accommodation Bond asset tested to maximum $350,000. Refundable Bond on surrender of accommodation less a retention amount of $3,282 / yr for a maximum of 5 years ($16,410) retained by facility as per government guidelines. High Care: Accommodation charge which ranges from nil for those with assets less than $32,500 to $17.13 per day ($6,252 / yr) for those with assets of $62, 763 and above, which will apply for Retirement Housing Guide 2007 Page 22

the duration of the resident s stay. ENTRY REQUIREMENTS As per Aged Care Act ACAT assessment, Application form, Medical form, Govt request for Asset Assessment for Low and High Care for concessional status (asset less than $32,000) and assisted status (asset between $32,000 and $51,500). William Charlton Village & Waratah Lodge 181 Allambie Rd. Allambie Heights NSW 2100 PHONE 9451 6686 or Head Office 9339 8000 EMAIL WEB RECREATION FACILITIES CONTRACT CONDITIONS ENTRY COSTS ENTRY REQUIREMENTS The Benevolent Society christine@bensoc.org.au www.bensoc.org.au Selfcare and Low level care Selfcare - 26 one bedroom Hostel units - 29 Public transport available Allambie Heights shopping centre Community room Activities for hostel residents Selfcare - rental Low care - resident agreement On application On application Aged Pensioners only 75 and over for village Medical assessment required for Village ACAT assessment for Hostel Retirement Housing Guide 2007 Page 23

PITTWATER LOCAL GOVERNMENT AREA Charles O Neill 35 Vineyard Street Mona Vale NSW 2103 PHONE 9997 5100 or 9997 5549 RECREATION FACILITIES CONTRACT CONDITIONS ENTRY COSTS ENTRY REQUIREMENTS St Vincent de Paul Society Selfcare and low level care Selfcare- 28 one bedroom Hostel units- 28 Public transport available Mona Vale shopping centre Community hall, chapel, BBQ and outdoor eating area Selfcare - rental agreement Low care - resident agreement N/A Selfcare fortnightly - $244 single, $258.50 double Minimum age 55 yrs; medical certificate is required and means tested; concessional residents only Eurobodalla Homes, Newport Branch 267 Barrenjoey Road Newport NSW 2106 PHONE 9997 2543 RECREATION FACILITIES Eurobodalla Homes Charitable Organisation Selfcare Selfcare- 31 units Public transport bus stop nearby Newport shops (10 min walk) Community Hall Retirement Housing Guide 2007 Page 24

CONTRACT CONDITIONS ENTRY COSTS ENTRY REQUIREMENTS OTHER Rental $200 refundable cleaning fee Rent per fortnight $105 single, $110 double Accommodation for financially disadvantaged people; females and couples only Long waiting lists; residents invited to be involved in fundraising activities George Mockler Hostel 99 Elimatta Road Mona Vale NSW 2103 PHONE 9997 5100 CONTRACT CONDITIONS St Vincent De Paul Society Aged & Special Care Services Ltd Low level care Bedsitter - 2 people share bathroom Hostel units- 28 Public transport bus stop on Pittwater Road Mona Vale Shopping Centre, Warriewood Square Residential Agreements Concessional applicants have priority, approximately 85% of Aged Pension Retirement Housing Guide 2007 Page 25

RESIDENT FUNDED RETIREMENT VILLAGES These villages are for people who have assets and wish to fully fund their accommodation by the purchase of a title and contractual rights. MANLY LOCAL GOVERNMENT AREA Drummond House 22 Wentworth Street Manly NSW 2095 PHONE 8966 8534 EMAIL admin@royalfarwest.org.au WEB PAGE www.royalfarwest.org.au Royal Far West Children s Health Scheme & Services for the Aged Low level care 39 hostel rooms One block to public transport Situated in Manly Village RECREATION FACILITIES Weekly bus trips, activity program CONTRACT CONDITIONS As per resident agreement ENTRY COSTS Means tested 85% of the pension / means tested ENTRY REQUIREMENTS ACAT assessment OTHER 1 respite bed Retirement Housing Guide 2007 Page 26

WARRINGAH LOCAL GOVERNMENT AREA Belrose Country Club 2 Dawes Road Belrose NSW 2085 PHONE 9975 1237 EMAIL WEB PAGE belroserealestate@bigpond.com www.lifestylecare.com.au/belrose_text.htm Lifestyle Care Services Pty Ltd Selfcare and low level care Selfcare units- 50 one bedroom, 100 two bedroom and 50 three bedroom Serviced apartments- 18 one bedroom and two bedroom 6 bedsitters, Village bus; public transport bus stop outside village Glenrose and Forestway Shopping Centres - 2kms RECREATION FACILITIES BBQ, bar & entertainment area, organised activities, recreation rooms, indoor & outdoor games, social club including regular outings, heated pool, spa, sauna, bowls, billiards, exercise equipment, croquet, putting green, half tennis court CONTRACT CONDITIONS Strata title ENTRY COSTS Selfcare $275,000-$550,000 Serviced apartments (low level care) from $115,000 Departure fees, deferred management, legal and real estate commission fees apply Selfcare $69 - $112 weekly Serviced apartment care from $236 weekly ENTRY REQUIREMENTS OTHER Minimum age 55; medical certificate is required Pets allowed (dogs and cats only in ground floor units) Retirement Housing Guide 2007 Page 27

Dee Why Gardens 155 Fisher Road North Dee Why NSW 2099 PHONE 1800 155171 EMAIL lmcgee@becton.com.au Becton Living Selfcare and serviced apartments Selfcare units- 203 one and two bedroom Serviced apartments- 34 Village bus; Public transport available at village entry Nearest shopping centre is Dee Why Village RECREATION FACILITIES Heated pool and spa, clubhouse, billiard room, craft room, indoor bowls, croquet green, and village kiosk, Hairdressing salon CONTRACT CONDITIONS Leasehold ENTRY COSTS Selfcare- $300,000-$550,000; Serviced Apartments- from $180,000 Selfcare from $56 - $107 weekly Serviced apartment care - $354.00 weekly ENTRY REQUIREMENTS Minimum age 55; pets allowed under special circumstances Forestville Retirement Village 51 Cook Street Forestville NSW 2087 PHONE 9452 5878 (Enquiries 9636 6466) Living Care Selfcare and low level care Selfcare- 33 one bedroom units Hostel beds- 34, 1 respite (Alexander Campbell House) Retirement Housing Guide 2007 Page 28

CONTRACT CONDITIONS Public transport bus stop outside village Close to Forestville Village, bus to Forestway, Chatswood & Warringah Mall Selfcare loan and license agreement ENTRY COSTS Selfcare $128,500 ENTRY REQUIREMENTS OTHER Selfcare per fortnight- $143 single, $167 double Hostel- basic care fee is 85% of pension ACAT assessment for hostel; medical certificate is required No pets, No smoking allowed Glenaeon Retirement Village Glenaeon Avenue Belrose NSW 2085 PHONE 9450 2466 EMAIL WEB PAGE heather.potts@glenaeon.rbd.net.au www.retirementbydesign.com.au Retirement by Design Selfcare and low level care, serviced apartments Selfcare units- 136 two bedroom and 85 three bedroom Serviced apartments- 50 one bedroom Village bus; public transport at village gate Glenrose Shopping Centre RECREATION FACILITIES Entertainment areas, organised activities, recreation rooms, indoor games, arts and crafts, social club, air conditioning, BBQ, outdoor eating areas, spa and pool and aqua aerobics CONTRACT CONDITIONS Lease agreement ENTRY COSTS $190,000-$730,000 Departure fees 2.5% pa of entry costs to a maximum of 25% retained by operator ENTRY REQUIREMENTS OTHER Selfcare from $386 per month Minimum age 55; medical certificate is required Pets allowed as approved by Manager Retirement Housing Guide 2007 Page 29

Maybrook Manor 6 Jersey Place Cromer NSW 2099 PHONE 9971 0412 EMAIL Maybrook Manor Pty Ltd sales@maybrookmanor.com.au Selfcare and low level care 98 units varying in size from studio to three bedroom penthouses Village Bus; public transport bus stop at door Local shop 200m; Bus to Dee Why Village RECREATION FACILITIES Recreation rooms, indoor games, organised activities, arts and crafts, social club, BBQ, spa and pool CONTRACT CONDITIONS ENTRY COSTS 99 year lease Market price of unit Departure fees 2.5% pa of resale fees over 10 years and 50% of capital gains retained by operator $40 - $110 per week; user pays for support services ENTRY REQUIREMENTS Minimum age 55 Narrabeen Village 1259-1265 Pittwater Road (Corner Clarke Street) Narrabeen NSW 2101 PHONE 9913 7225 Managed by Real Estate Company Selfcare Selfcare units - 44 one bedroom Public transport on Pittwater Road 300m to local shops RECREATION FACILITIES Community room; St Faiths Church Retirement Housing Guide 2007 Page 30

CONTRACT CONDITIONS Strata title ENTRY COSTS From $150,000 - $250,000 Weekly fees $30 ENTRY REQUIREMENTS Over 55 years RSL LifeCare - RSL Anzac Village The War Vets 90 Veterans Parade Narrabeen NSW 2101 PHONE 9982 6666 EMAIL www.rslvrv.com.au WEB PAGE administration@rslvrv.com.au RSL LifeCare Selfcare, low level and high level care dementia care, palliative care, mental health. Selfcare units - 500 one, two, three & four bedroom Low level care - 335 High level care (Peter Cosgrove House) - 161 Village bus; Public transport bus stop close proximity Collaroy Plateau Village RECREATION FACILITIES Day therapy centre with pool; mobile library; billiards, bowling green & indoor bowls, hairdressing, choir, social clubs croquet, coffee shop. Licensed bar. CONTRACT CONDITIONS Selfcare Licence Agreement ENTRY COSTS From $50,000 to $1.5 million On application ENTRY REQUIREMENTS Preference given to ex-service personnel and spouses; Minimum age 55 Retirement Housing Guide 2007 Page 31

Scalabrini Village 167 Allambie Road Allambie Heights NSW 2100 (Includes Antonio and Ida Locastro Hostel) PHONE Mainline 9452 6111 Admissions Officer, Marina Varone, 9719 0601 WEB SITE www.scalabrini.com.au Scalabrini Fathers Selfcare and low level care; high level care facility on site Selfcare - 12 one and two bedroom Hostel units - 23 High level care - 48 Village bus; 100m to public transport bus stop Allambie Village RECREATION FACILITIES Activities and chapel ENTRY COSTS ENTRY REQUIREMENTS OTHER Subject to assessment 85% of Aged Pension Assessment by ACAT Cultural affiliation - Italian St David s Village, Anglican Retirement Villages 45 Cook Street Forestville NSW 2087 PHONE 8977 8200 Baulkham Hills Head Office 9421 5333 Anglican Retirement Villages Selfcare and Low Level Care Units Selfcare- 90 one, two & three bedroom units Low Level care- 40 units with ensuites Dementia Specific Care Forest Coach bus stop outside Village - hourly service Retirement Housing Guide 2007 Page 32

Close to Forestville village plus bus to Forestway, Chatswood and Warringah Mall RECREATION FACILITIES Community hall, Library, Snooker, Outdoor BBQ area, Chapel, Hobby Workshop CONTRACT CONDITIONS ENTRY COSTS ENTRY REQUIREMENTS Loan Licence Agreement Inquiries to Management 2.5% pa of entry costs over 12 years retained by operator Inquiries to Management Assisted Living Fees set by Dept. Health & Aged Care Minimum age 60; Independent Living medical certificate is required; Assisted Living ACAT Assessment The Pines Retirement Village 32-34 Booralie Road Terrey Hills NSW 2084 PHONE 8467 9333 EMAIL WEB PAGE jrodgers@agedcare.net.au www.thompsonhealthcare.com.au Thompson Health Care Pty Ltd Selfcare; high level care facility adjacent Selfcare units- 16 two bedroom Public transport available Terrey Hills, St Ives and Belrose RECREATION FACILITIES BBQ, organised activities, recreation room, arts and crafts CONTRACT CONDITIONS Licence Agreement ENTRY COSTS Selfcare from $300,000 Departure fees 2.5% pa of entry costs retained by operator Selfcare $55 weekly ENTRY REQUIREMENTS Minimum age 55 OTHER Small pets permitted Retirement Housing Guide 2007 Page 33

Tredinnick Village 75 Cook Street Forestville NSW 2087 PHONE Admissions/Enquiries 9452 3022 Manager 9975 7388 RECREATION FACILITIES CONTRACT CONDITIONS ENTRY COSTS Uniting Care Ageing NSW ACT, Northern Sydney Region Selfcare Selfcare units- 60 one bedroom Public transport outside door Forestville/Forestway Recreation rooms, arts and crafts, indoor games, BBQ and outdoor eating area Loan and licence agreement $128,500 (subject to change March/September in line with Pension increase); departure fees 30% of entry costs retained by operator over period of 5 years calculated on a daily basis Selfcare - fortnightly $138.00 single, $150.00 double (fees rise every July with Budget) ENTRY REQUIREMENTS Assessment interview, minimum age 55 years W G Taylor Village 156 Ocean Street Narrabeen NSW 2101 PHONE 9913 7040 Wesley Mission Selfcare and low level care Selfcare units- 24 two bedroom; Hostel- 74 apartments 1 Bedroom & bedsitter Village bus and car available; Public transport bus stop outside village 100m to local shop 1.5km walk to Narrabeen Village (encountering steep hill) Retirement Housing Guide 2007 Page 34

RECREATION FACILITIES BBQ, organised activities, recreation rooms, arts and crafts and exercise CONTRACT CONDITIONS Selfcare incoming contribution & resident agreement Low level care resident agreement departure fees 25% of accommodation bond. ENTRY COSTS Selfcare $340,000-$400,000 Hostel accommodation bond $165,000 - $220,000 ENTRY REQUIREMENTS OTHER Hostel Fees as set by DHA for the assisted care units. Self Care Units maintenance fees as agreed at yearly residents budget meeting. Self Care - Minimum age 55; medical certificate is required; Hostel Care minimum age 55, ACAT assessment required. 2 community respite beds, no pets allowed Warringah Place 1039 Pittwater Road Collaroy NSW 2097 PHONE 9971 1933 The Salvation Army Selfcare and serviced apartments (low level care) Selfcare - 29 one bedroom units, 46 one bedroom units with dens, 9 two bedroom units with dens Bedsitters- 25 Village Bus; Public transport bus stop outside village Collaroy Beach Village RECREATION FACILITIES Entertainment areas, organised activities, recreation rooms, indoor games, arts and crafts, social club, BBQ, pool, spa, library, chapel and gym CONTRACT CONDITIONS Leasehold ENTRY COSTS $110,000 to $500,000 Departure fees 2.5% pa of entry costs over 10 years retained by operator Selfcare monthly costs from $260 Retirement Housing Guide 2007 Page 35

Serviced apartments monthly costs from $1300 ENTRY REQUIREMENTS Minimum age 55; medical certificate is required Willandra Retirement Village 81 Willandra Road Cromer NSW 2099 PHONE 9971 8035 EMAIL WEB PAGE tomlinson@rlsgroup.com.au www.rlsgroup.com.au www.australianunity.com.au Australian Unity Retirement Living Service Selfcare and serviced apartments 225 one, two & three bedroom selfcare units & 43 Serviced Apartments Narraweena Village 1km RECREATION FACILITIES Recreation room, dining room, lounge room, library, billiards room, pools x 2 BBQ areas, Clubhouse, home theatre room. CONTRACT CONDITIONS ENTRY COSTS Leasehold Selfcare from $129,000 and serviced apartments from $75,000. 2.5% per annum to 10 years of the incoming lease premium Selfcare average $85 weekly, services apartments from $255 weekly ENTRY REQUIREMENTS Minimum age 55 Willandra Bungalows Retirement Village PHONE EMAIL WEB PAGE 51 Little Willandra Road Cromer NSW 2099 9971 8035 (sales enquiries) Australian Unity Retirement Living Service tomlinson@rlsgroup.com.au www.rlsgroup.com.au www.australianunity.com.au Selfcare bungalows Retirement Housing Guide 2007 Page 36

90 two and 3 bedroom selfcare bungalows Village bus, Public transport bus stop outside village to Dee Why Narraweena Village 1km RECREATION FACILITIES Recreation room, lounge room, library, billiard room, pool, BBQ area, tennis court CONTRACT CONDITIONS ENTRY COSTS Leasehold From $635,000; 2.5% per annum to 10 years of the incoming lease premium Average $87 weekly ENTRY REQUIREMENTS Minimum age 55 PITTWATER LOCAL GOVERNMENT AREA Bayview Gardens 36-42 CabbageTree Road Bayview NSW 2104 PHONE 9997 4588 Village Care Ltd. Selfcare; serviced apartments; high level care facility on site Selfcare units- 75 one bedroom, 155 two bedroom and 33 three bedroom Serviced apartments- 20 studio and 18 one bedroom Village bus; public transport available outside village Mona Vale shops (1.5km) RECREATION FACILITIES Pool, spa, BBQ, outdoor eating area, outdoor games, recreation rooms, entertainment areas, organised activities, arts and crafts, church services, social club, indoor games and computer facilities, Tai Chi CONTRACT CONDITIONS 99 year lease ENTRY COSTS Selfcare units- $240,000 $650,000 Serviced apartments- $140,000-$270,000 Departure fees sliding scale to 27% over 3 years Retirement Housing Guide 2007 Page 37

ENTRY REQUIREMENTS OTHER plus 1% P.A (maximum 10%). Capital Gain share on sliding scale over 3 years. Serviced Apartments on application Selfcare from $70 - $138 per week Serviced apartments $327 - $372 per week Minimum age 55; medical certificate is required Pets allowed on application Minkara Retirement Village 10 Minkara Road Bayview Heights NSW 2104 PHONE 9979 5035 EMAIL WEB PAGE rodm@fkp.com.au www.fkp.com.au/retirement Australian Retirement Homes Ltd Selfcare units and serviced apartments; nursing home onsite Selfcare units- 11 one bedroom, 88 two bedroom & 60 three bedroom Serviced apartments - 43 one & two bedroom. High level care beds - 51 on site Village bus service operates according to timetable Mona Vale village RECREATION FACILITIES Recreation rooms, pool, indoor games, library, BBQ, croquet and putting green CONTRACT CONDITIONS Leasehold ENTRY COSTS From $199,000 to $750,000 Departure fees maximum 25% of entry costs retained by operator ENTRY REQUIREMENTS OTHER From $349 per month Minimum age 55; medical certificate required Pets allowed (conditions apply) Retirement Housing Guide 2007 Page 38

Peninsula Gardens 79 Cabbage Tree Road Bayview NSW 2104 PHONE 9997 4177 EMAIL WEB PAGE peninsulagardens@bigpond.com.au www.villagecare.com.au The Parkland Group Pty Ltd. Selfcare and low level care Selfcare - 73 one, one & half, two bedroom villas Serviced apartments - 38 one & two bedroom (some studio) Village Bus, public bus stop 300m Mona Vale Village 3.5km RECREATION FACILITIES Chip & putt golf course. Swimming, spa, craft room, pottery, computer lessons, sewing room, workshop, table tennis, snooker, in house movies, carpet bowls, darts, card games, croquet, BBQ, church services, social club. CONTRACT CONDITIONS Leasehold ENTRY COSTS From $125,000-$280,000 Departure fees 2.5% pa of entry costs over 20 years retained by operator (maximum 50%) ENTRY REQUIREMENTS OTHER Selfcare $77-$106 weekly Serviced apartment single: Flexi package $199- $264 weekly; Full package $355-$421 Minimum age 55; medical certificate required Pets allowed Pittwater Palms 82 Avalon Parade Avalon NSW 2107 PHONE 9918 9000 EMAIL michael.dafel@gandellifestyle.com.au Gandel Retirement Enterprises Pty Ltd Selfcare and low level care Retirement Housing Guide 2007 Page 39

Selfcare units- 127 Serviced apartments- 40 Respite care - 1 Village bus, 1 block to public transport Avalon RECREATION FACILITIES Adjoins Avalon Bowling Club; recreation room, organised activities, entertainment areas, BBQ, outdoor eating area, pool, spa, aquarobics, gentle exercise, Tai Chi. CONTRACT CONDITIONS Strata title Selfcare - $110 (average 2 bedroom unit) Serviced apartment - Weekly $310 single $420 double ENTRY REQUIREMENTS Minimum age 55 OTHER Short term respite care for residents and community Pittwater Village 16-32 Mona Vale Road Mona Vale NSW 2103 PHONE Manager - 9979 5385 Sales - 9979 6045 EMAIL WEB SITE michael.deery@pittwater.rbd.net.au http://www.retirementbydesign.com.au Retirement by Design Group Selfcare Units and Service Apartments of low level care Selfcare units - 52 two bedroom, 8 one bedroom Serviced apartments- 26 Village bus; 50m to public transport 100m to Mona Vale shopping centre RECREATION FACILITIES Card playing, billiards, swimming pool and spa, TV and Video, weekly picnic and bus trips CONTRACT CONDITIONS Strata title ENTRY COSTS Selfcare- $260,000-$380,000 Low level care - $115,000 to $145,000 Retirement Housing Guide 2007 Page 40

Departure fees apply ENTRY REQUIREMENTS OTHER Selfcare $360 - $576 per month; Serviced apartment care $355.56 - $471.46 weekly Minimum age 55; medical certificate is required Respite care available for residents; no pets Seabeach Gardens PHONE EMAIL 1 Seabeach Avenue Mona Vale NSW 2103 9979 6517 - Lorraine seabeachgardens@swiftdsl.com.au Baldwin Care Group Selfcare and low level care (all apartments can facilitate the use of care services); high care facility on site Selfcare units- 37 one bedroom, 21 two bedroom and 2 three bedroom Serviced apartments- 12 studio and 25 one bedroom Public transport at door Nearest shopping centre Mona Vale and Warriewood Square; easy walk to shopping centre and public transport regional shopping centres RECREATION FACILITIES Recreation rooms, organised activities, arts and crafts, entertainment areas, library, billiard room, social club, indoor and outdoor games, BBQ, outdoor eating area, indoor heated pool and spa, easy walk to beach. CONTRACT CONDITIONS ENTRY COSTS ENTRY REQUIREMENTS OTHER 99 year lease Inquiries to Management Inquiries to Management Minimum age 55; medical certificate is required Small pets allowed Retirement Housing Guide 2007 Page 41

Seaside Retirement Village & Nursing Home 194 Garden Street Warriewood NSW 2102 (Nursing Home: 184 Garden Street) PHONE Assisted care - 9997 4247, Nursing Home - 9997 4633 EMAIL Moran Health Care Group linda.conin@moran.com.au Serviced apartments (low level care) and nursing home (high level care) on site Serviced units - 48 one bedroom and 2 two bedroom Village bus; Public transport bus stop outside village Approximately 1.5km to Warriewood Square RECREATION FACILITIES Indoor Bowls, Bingo, Library, Cards, Scrabble, Village Bus Trips, Videos CONTRACT CONDITIONS Strata title ENTRY COSTS From $140,000 Departure fees 10% pa of entry costs over 3 years retained by operator $217.69 weekly ENTRY REQUIREMENTS Minimum age 55 OTHER Some pets allowed, hairdresser, podiatrist, wheelchair access Retirement Housing Guide 2007 Page 42

CHECK LIST (FOR RESEARCHING ) This checklist has been compiled to assist you when you begin looking into your accommodation options (in particular - retirement villages). Depending on your needs and circumstances, ask yourself these questions: General 1. Why do I wish to move from my existing home? (Keep in mind - There are services to assist with social contact or lack of confidence or infirmity) 2. If it is because of recent bereavement, have I allowed enough time before making the decision to move? 3. If the housework, gardening and general maintenance in my home have become too much to cope with, have I considered other service options such as local government help or handyman help? (Keep in mind - Having a service also involves "managing" it!) 4. Would I stay in my own home if these problems could be overcome? (Keep in mind - Some other considerations are: social contact, security, mobility, design of house) 5. Have I considered other options such as buying a smaller unit in my present neighbourhood? (Keep in mind - Location in familiar surroundings is important to many people, but it is not the only one) 6. If I am moving to be near my family, am I certain they will remain in that area? If they move again, how easy will it be for me to move out of the village? (Keep in mind - Moving involves disruption, cost and change of social contacts) 7. If friends have moved into a retirement village and are happy there, will the lifestyle in the village necessarily suit me? (Keep in mind - This is a very significant indicator if they are close friends of long standing. However, question them about it!) 8. Have I looked at a number of villages to compare the facilities and financial arrangements? Retirement Housing Guide 2007 Page 43

(Keep in mind - This may be a tedious process, but important aspects of your future life will depend on your choice) 9. Have I talked to residents living in the retirement village I prefer, to find out first-hand the details of this type of living? (Keep in mind - It is reasonable to expect village management to put you in touch with residents with circumstances similar to your own. But remember also that some residents have axes to grind) 10. Does this village have a philosophy or way of life that I will be happy with? What alterations in my existing lifestyle will need to be made to comply with the village opportunities, regulations or restrictions? (Keep in mind - Most villages will offer a high sounding statement of philosophy; you need to get some independent evidence about the reality. Moving out of a family home into a village inevitably means living in closer contact with others and accepting some rules) 11. Does the village have the atmosphere I would like to live in? (Keep in mind - The village manager knows that you need to try it more than once, so go back several times for a leisurely look) 12. Are the staff friendly without being patronising? (Keep in mind - This can be judged best by observing how they treat existing residents, not by how they treat you as a visitor) 13. Do staff and other residents accept sexuality as a natural part of life? (Keep in mind - In many villages, women outnumber men; this can influence attitudes among residents) 14. Would I be able conveniently to keep up my involvement in church, bowling club, book club, pokies etc? (Keep in mind - Most authorities consider involvement in the community more beneficial than village-centred activities) 15. Have I asked all the questions of concern to me, and have I received satisfactory answers from the village I have chosen as my first preference? (Keep in mind - Good village managers will want you to clear up all uncertainties before you make a decision. It is against their interest to have unhappy residents) 16. Have I returned to the village to discuss any additional issues raised by my family and legal advisers on matters I feel need clarification? (Keep in mind - If you are comfortable about it, take your family along) 17. Am I receiving appropriate legal advice or am I relying on friends or trusting the management of the village? Is my solicitor one with Retirement Housing Guide 2007 Page 44

expertise in this area? (Keep in mind - The Law Society will advise you) 18. Is the chosen village accessible to my friends and family? (Keep in mind - Apart from any rules, your friends will only visit you if they sense a welcoming atmosphere in the village) 19. What restrictions are there on my opportunity to work from or conduct a business in my unit? (Keep in mind - Other residents are not likely to take kindly to extra movements of people or cars. Unit plans or government regulations may restrict such activity) Health and Welfare Concerns 20. Will I be requested to supply a medical certificate or report to certify my ability to live independently? (Keep in mind - If you feel affronted by such a request, a second move in quick succession would be very disrupting in your life) 21. Will I need to provide documentation of my medical conditions and medications, and if so, who will have access to it? (Keep in mind - The village should have very restrictive rules about access to any personal information) 22. Will I need to agree to a medical examination as a condition of entry? 23. Are housekeeping and meal services available? If so, are they provided by a local government agency or the village? (Keep in mind - Government provides a Home and Community Care service; this may be an option, but make sure it goes into the village) 24. What is the cost of this service to me? 25. If meals are provided in the communal dining room, are friends able to attend? (Keep in mind - The trend is to provide several smaller dining rooms. This may be more attractive to your friends) 26. Is there a registered nurse available 24 hours per day? (Keep in mind - This is likely to be a costly option) 27. What nursing services are provided? Is there a guarantee that this service will continue, and what is the cost? (Keep in mind - A residential aged care facility does not necessarily cater for nursing care, so it may not have nursing staff) Retirement Housing Guide 2007 Page 45

28. Is there an effective emergency call system 24 hours per day in the unit, and who backs it up? 29. Am I permitted to have my own doctor? If the village has its own medical consultant, how often does he/she attend? 30. Who makes the decision that I am unable to cope in either an independent living unit or residential aged care facility? What say do I have in this decision? 31. In the case of units other than those under Unit Titles, how long is my unit kept in my name if a. I am hospitalised, or b. I need personal/ nursing care? 32. If I become acutely sick, which major hospital is closest to the village? 33. What insurance cover should I have for medical, hospital and ambulance, and why? (Keep in mind - Services delivered within a village may not qualify for fund benefits) 34. What financial and medical arrangements will apply in the event that I need to move out of my unit for temporary care eg to hospital? Are written details of these arrangements available for me? 35. If I move into a residential aged care facility in the village, are there any restrictions on personal matters such as the quantity of furniture I am permitted to take with me? (Keep in mind - Safety in more confined spaces may be a factor) Activities and Amenities 36. What recreational activities are provided in the village? Are there any limitations on the opportunity to use them, and what are the costs? (Keep in mind - Social contact outside the village through recreation is generally considered desirable) 37. May I have friends to stay, and are there any conditions governing their stay? 38. Are pets permitted? 39. Are there conditions set down by the village in relation to pets? 40. What type of public, private or village transport is available, how often does it run, and what is the cost? Retirement Housing Guide 2007 Page 46

41. If I go on holiday, how long can I leave my unit, who looks after it, and is there a cost involved? (Keep in mind - Maintenance charges are likely to be the main cost consideration) 42. Is there a garden area for my use, and who looks after it? (Keep in mind - There is likely to be a distinction between garden you can use and space where you can garden) 43. Are any alterations proposed to the recreational programs or facilities? 44. What adjustments are made to recreational facilities to cater for older residents who may have some frailty or disability? Building and Construction 45. If the village is not yet completed, what guarantee do I have that what is proposed in the plan is what I will get? (Keep in mind - Perhaps you could arrange to have a competent friend check that the builder s plans match the handout information) 46. Is there any opportunity for a unit to be "custom modified" at the plan stage? (Keep in mind The modifications may be held to have no value to the next resident) 47. Am I permitted to bring my own building assessor prior to purchase being finalised? (Keep in mind - An independent report from the developer s own assessor might be a cheaper alternative) 48. How soon after completion must I pay? 49. Who is responsible for maintenance inside or on the units? 50. Does such maintenance include safety maintenance items such as repairs to locks, windows, doors or screens, and what will it cost? 51. If there is a delay in a village repair service for the units, can I get an outside tradesman to do the job? If I do, will the cost be covered from the village maintenance finance account? 52. What financial arrangements have been made by the village for major future structural maintenance or repairs, and who is responsible? (Keep in mind - The distinction between different classes of maintenance or repair needs to be carefully spelled out. Updating of installed appliances is a particular case in point) Retirement Housing Guide 2007 Page 47

53. Is a car park facility and storage shed provided and is it in the initial cost? (Keep in mind - Car security needs to be considered) 54. If not, am I permitted to build one or both? 55. Are there specific areas set aside for such buildings? 56. What security precautions have been taken in the construction of the village as a whole? 57. Are there safety locks or screens on the doors and windows of my unit? (Keep in mind - Safety devices must not inhibit rescue by staff in case of fire) 58. What type of heating or air conditioning is provided and is there an estimate available of the likely costs of these and other utilities? 59. Is the building accessible in the event that I become disabled and need a wheelchair or walking aid? 60. What internal features related to frailty, such as bath rails, have been built into the units? (Keep in mind - Frailty measures may be fitted as standard or fitted as required) 61. What building modifications am I permitted to make, e.g. air conditioner, canopy, fence? 62. If I pay for the modifications, what benefit will my capital repayment receive when I vacate the unit? (Keep in mind - The cost of modifications is rarely fully reflected in market value) 63. What insurance cover do I need to arrange? 64. What insurance cover is there on the common property? Financial and Legal Matters 65. What is the in-going capital I must provide for the unit, and for what does this provide? 66. What is the maintenance/service fee, and exactly what does this cover? 67. Who determines the maintenance fee, what input do residents have, and how often is it adjusted? (Keep in mind - If your income is subject to fluctuations e.g. due to Retirement Housing Guide 2007 Page 48

change of interest rates, you might need a provision to sacrifice capital in place of all or part of monthly payments) 68. Will the management provide me with the full list of costs that determine maintenance/service fees? 69. During my stay in the village, will I be provided with a regular statement of these costs? 70. In the case of units other than those under Unit Title, when I vacate my unit or die, when can I, or my estate, expect to receive capital refund entitlement or the proceeds of resale? 71. In the case of units other than those under Unit Title, does my contract contain a clause which identifies a time to elapse before this capital repayment is made? What happens if I need the money to move to another residence outside the village? 72. In the case of units other than those under Unit Title, overall, what proportion of my capital outlay will I, or my estate, receive? 73. Are there deferred management fees; how large are they? 74. Do I receive capital appreciation? 75. Who handles sales of property, and who determines the resale price? 76. Can I dispose freely of my interest in the unit, or are there restrictions as to who can acquire my unit? 77. Do these restrictions have tested legal standing? 78. Is there a charge associated with the sale? 79. Who is responsible for refurbishing when the unit is vacated? 80. Are copies of the village s financial statements made available to residents? (Keep in mind - The audited financial report to the Annual General Meeting of a company or association is usually inadequate, particularly for a village which provides several levels of care) 81. Is a deposit requested on a unit? If so, how much? 82. What security do I have on my deposit, and under what circumstances will it be refunded? 83. If there is a residential aged care facility in the village and I move into it, when do I receive the capital refund entitlement on my unit or (if it is under Unit Title) will my unit have to be sold? Retirement Housing Guide 2007 Page 49

84. In the event of such a move, what are the new financial schedules with which I would be involved? 85. Do I feel that I am being pressured to sign a contract? 86. What is the type of contract I will enter into? 87. Is a title for the unit supplied? If so, who holds it? (Keep in mind - In the ACT, leasehold granted to a community organisation cannot be separated into unit titles) 88. What security do I have on my capital investment? 89. What are the duties of the trustees, and who are the trustees? 90. What is the documented agreement governing maintenance fees, and what do they cover? 91. Does the village management provide a copy of the rules covering the village? 92. What protection would I have if the village were taken over by a new organization, which may impose a different philosophy, a new approach to maintenance fees or a revised repayment schedule? (Keep in mind - The worst situations are probably bankruptcy of the manager or recovery of debts by a lender against mortgages. This requires legal advice, but you should not be panicked by it as the prospect of such situations arising is very remote) Extract from COTA National Seniors (ACT) web site: www.cota-act.org.au Date of extract: 7 October 2005. Retirement Housing Guide 2007 Page 50

HIGH LEVEL CARE (NURSING HOMES) For the information of family and friends, the following is a list of the High Level Residential Care (Nursing Homes) in Manly Warringah Pittwater. Entry to any of these Homes is through an assessment by the Aged Care Assessment Team (ACAT): Manly Ph: 9951 0330 Mona Vale Ph: 9998 0356 Please ring the home and make an appointment before visiting. *Note: Exempt means a nursing home or hostel that provides a higher level of accommodation & services. There are higher costs associated with the extra services. ALEXANDER AGED CARE FACILITY 16 Victor Road, Brookvale 2100 Ph: 9905 4154, Fax: 9905 0215 37 beds - Armenian residents. All exits alarmed. Uphill walk to bus. AUSTRAL HOUSE NURSING HOME 4 Austral Avenue, North Manly 2100 Ph: 9939 1288, Fax: 9905 9457 BAYVIEW GARDENS NURSING HOME, 90-96 Annam Road (Entrance L), Bayview 2104 Ph: 9999 1591, Fax 9999 1207 COLLAROY AGED CARE FACILITY 24 Mactier Street, Narrabeen 2101 Ph: 9982 3111, Fax: 9972 9352 ELIZABETH JENKINS PLACE 21 Eastbank Avenue, Collaroy 2097 Ph: 9982 9211, Fax: 9984 0126 35 beds - female only dementia specific. All exits alarmed. Short walk to bus stop. 73 beds some exits alarmed. On bus route. *Exempt 40 beds tracking device used for wanderers. Uphill walk to bus. All exits alarmed. Secure fenced area. 41 beds all exits alarmed. Walk to bus. MANLY NURSING HOME 28 Alexander Street, Manly 2095 Ph: 9977 1386, Fax: 9976 0408 32 beds - female only. Level walk from bus. Secure fenced area. Retirement Housing Guide 2007 Page 51

MANLY VALE AGED CARE FACILITY Cnr Condamine & Gordon Streets Manly Vale 2093 Ph: 9949 1911, Fax: 9948 7468 100 beds - 2 storeys. On bus route. MINKARA RESIDENTIAL AGED CARE FACILITY 10a Minkara Road, Bayview 2104 Ph: 9979 9066, Fax: 9979 9104 51 beds - all exits alarmed. Private transport or taxi from Mona Vale. MONA VALE HOUSE 33 Bassett Street, Mona Vale 2103 Ph: 9910 7900, Fax 9910 7950 OCEAN VIEW AGED CARE FACILITY 2 Jenkins Street, Mona Vale 2103 Ph: 9997 5448, Fax: 9979 5560 64 beds respite on enquiry Bus stop outside. Secure facility *Exempt 49 beds - 3 respite. All exits alarmed. On bus route. PALM GROVE NURSING HOME 71a McIntosh Road NARRAWEENA 2099 Ph: 9971 5389, Fax: 9981 3252 54 beds alarmed. On bus route. Respite care available. PENINSULAR NURSING HOME 50-52 Golf Avenue, Mona Vale 2103 Ph: 9997 5986, Fax: 9979 8791 PLATEAU VIEW AGED CARE FACILITY Cnr Telopea & Veterans Parade, (Postal: 7-11 Veterans Parade),Collaroy Plateau 2097 Ph: 9982 4138, Fax: 9972 3559 RSL LIFECARE PETER COSGROVE HOUSE Veterans Parade, Collaroy Plateau 2097 (Postal: PO Box 56, Narrabeen 2101) Ph: 8978 4335 Fax: 9982 5906 71 beds - no alarms. 48 beds - all exits alarmed. Public transport. 161 beds including Dementia specific On bus route. Hostel & self care units. Retirement Housing Guide 2007 Page 52

SCALABRINI VILLAGE NURSING HOME 167 Allambie Road, Allambie Heights 2100 Ph: 9452 6111, Fax: 9452 6122 48 beds - all exits alarmed. On bus route. Hostel & self care units. SEABEACH GARDENS LODGE 26 Darley Street, Mona Vale 2103 Ph: 9997 6383, Fax: 9997 8598 35 beds all exits alarmed. Walk from bus. SEASIDE RESIDENTIAL AGED CARE FACILITY 184 Garden Street, Warriewood 2102 Ph: 9997 4633, Fax: 9997 6664 55 beds main door alarmed. On bus route. TERREY HILLS NURSING HOME 42 Booralie Road, Terry Hills 2084 Ph: 9450 1719, Fax: 9450 1227 115 beds. Low and high care & self care units. *Exempt WESLEY GARDENS AGED CARE (Luke Centre Dementia Unit) 2 Morgan Road, Belrose 2085 Ph: 9452 3022, Fax: 9451 3546 72 general Nursing Home high care, 88 High care dementia specific. Respite care available dementia specific. On bus route. Hostel & self care units. WESLEY HEIGHTS NURSING HOME 47 Birkley Road, Manly 2095 Ph: 9977 7577, Fax: 9977 1787 60 beds. On bus route. Hostel & self care units. Retirement Housing Guide 2007 Page 53

LIST BY SUBURBS ON THE NORTHERN BEACHES Allambie Heights Allambie Lutheran Homes Inc & Martin Luther Hostel 17 Druids Court 18 William Charlton Village & Waratah Lodge 23 Eurobodalla Homes 19 Fred Hutley Village 19 Scalabrini Village 32 Avalon Pittwater Palms Retirement Village 39 Bayview Bayview Gardens 37 Minkara Retirement Village Pty Ltd 38 Peninsula Gardens 39 Belrose Belrose Country Club 27 Glenaeon Retirement Village 29 Wesley Gardens Aged Care 22 Collaroy Elizabeth Jenkins Pl 18 Warringah Place 35 Cromer Maybrook Manor 30 Willandra Bungalows Retirement Village 36 Willandra Retirement Village 36 Dee Why Dee Why Gardens 28 MacDonald Homes 20 Pacific Lodge Aged Care Hostel 21 War Widows Guild of Australia 22 Forestville Forestville Retirement Village 28 St Davids Retirement Village 32 Tredinnick Village 34 Retirement Housing Guide 2007 Page 54

Manly Drummond House Aged Hostel 26 Wesley Heights Aged Care Facility 16 Mona Vale Charles O Neill 24 George Mockler Hostel 25 Pittwater Village 40 Seabeach Gardens Retirement Village 41 Narrabeen Furlough House Inc 20 Narrabeen Village 30 W G Taylor Village 34 RSL LifeCare Anzac Retirement Village 31 Newport Eurobodalla Homes, Newport Branch 24 Terrey Hills The Pines Retirement Village 33 Warriewood Seaside Retirement Village and Nursing Home 42 Retirement Housing Guide 2007 Page 55