State of theState of theRiver Bank Woods River Bank Woods

HOAHOA

Annual MeetingAnnual MeetingFebruary 3, 2009February 3, 2009

Mike MorganMike MorganPresident, River Bank Woods HOAPresident, River Bank Woods HOA

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WELCOME and THANK YOU for comingWELCOME and THANK YOU for coming Quorum Quorum

20% of the HOA Membership (= 16 of 78 homeowners) represented 20% of the HOA Membership (= 16 of 78 homeowners) represented in person or by proxyin person or by proxy

River Bank Trail (sidewalk) PetitionRiver Bank Trail (sidewalk) Petition RBW HOA Directory UpdateRBW HOA Directory Update

Current River Bank Woods HOA Board of DirectorsCurrent River Bank Woods HOA Board of Directors Mike Morgan, PresidentMike Morgan, President Dan Desousa, Vice PresidentDan Desousa, Vice President Amy Nolasco, SecretaryAmy Nolasco, Secretary Samer Beidas, TreasurerSamer Beidas, Treasurer Jina Ames, DirectorJina Ames, Director

Management CompanyManagement Company

Laura Poole, Community ManagerLaura Poole, Community Manager

IntroductionIntroduction

(LMA)

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OverviewOverview CommitteesCommittees

Communications CommitteeCommunications Committee Activities CommitteeActivities Committee Architectural Review Committee (ARC)Architectural Review Committee (ARC) Neighborhood Watch CommitteeNeighborhood Watch Committee

Contracts / Community ServicesContracts / Community Services

River River BankBank Woods Woods

UpdatesUpdates

Goals for 2009; and BottomlineGoals for 2009; and Bottomline

Q&AQ&A

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Communications CommitteeCommunications Committee Web site Web site www.riverbankwoods.net

Thank you Paul Kang for handling domain name registration, web hosting, Thank you Paul Kang for handling domain name registration, web hosting, and e-mail administrationand e-mail administration

Mike Morgan, webmasterMike Morgan, webmaster E-mailE-mail

Mike MorganMike Morgan PresidentPresident president@riverbankwoods.netDan DesousaDan Desousa Vice PresidentVice President vpresident@riverbankwoods.orgAmy Nolasco Amy Nolasco SecretarySecretary

secretary@riverbankwoods.orgSamer BeidasSamer Beidas TreasurerTreasurer

treasurer@riverbankwoods.orgJina AmesJina Ames DirectorDirector director@riverbankwoods.org

E-mail distribution listE-mail distribution list For periodic updates and remindersFor periodic updates and reminders Please e-mail Please e-mail webmaster@riverbankwoods.org to be added to the River to be added to the River

Bank Woods e-mail distribution listBank Woods e-mail distribution list NewsletterNewsletter

Quarterly: Winter, Spring, Summer, and Fall; after quarterly HOA meetingQuarterly: Winter, Spring, Summer, and Fall; after quarterly HOA meeting Thank you Amy Nolasco, SecretaryThank you Amy Nolasco, Secretary Help Wanted! HELP NEEDED!Help Wanted! HELP NEEDED!

DirectoryDirectory If you are not in the current directory, an updated directory will be If you are not in the current directory, an updated directory will be

published and distributed. Please complete, sign, and return the published and distributed. Please complete, sign, and return the Neighborhood Directory Information Sheet. We really want to get all 78 Neighborhood Directory Information Sheet. We really want to get all 78 homes in the Directory!!!homes in the Directory!!!

White mailboxesWhite mailboxes Sandwich board signs at each RBW entranceSandwich board signs at each RBW entrance

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THANK YOU for a very FUN and SUCCESSFUL 5th Annual RBW HOA Spring Fling, held May 18th at the Tot Lot and Play Area off of River Oaks Drive in RBW Section II

Amy Nolasco for planning and making it all happen Jenni & Tom Aprahamian for hosting the party in the backyard shade of their

beautiful home Tom Aprahamian & Owen Nolasco for working the grill Mike Morgan for arranging the annual visit from Sterling Volunteer Fire

Department (SVFD) heroes, and “Tower 611” Everyone who helped with set-up, name tags and Sharpies, grills, tables,

chairs, food, drinks, clean-up, etc. And THANK YOU to everyone for attending and bringing side dishes and

desserts!

Activities CommitteeActivities Committee

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Community Garage SaleCommunity Garage Sale THANK YOU Jina Ames for organizing the 5th Annual THANK YOU Jina Ames for organizing the 5th Annual

RBW HOA Community Garage Sale, held October 18RBW HOA Community Garage Sale, held October 18thth

Halloween Get-TogetherHalloween Get-Together THANK YOU to the Landry Family for hosting the 2THANK YOU to the Landry Family for hosting the 2ndnd

Annual RBW HOA Halloween Get-Together. The food and Annual RBW HOA Halloween Get-Together. The food and drinks were great, and it was fun to see all the Halloween drinks were great, and it was fun to see all the Halloween costumes. If you were unable to attend, please join us costumes. If you were unable to attend, please join us next year.next year.

Activities Committee MeetingActivities Committee Meeting Discuss how to gain more leadership and participation, Discuss how to gain more leadership and participation,

build community, etc.build community, etc. Plan activities & eventsPlan activities & events

In or near River Bank WoodsIn or near River Bank Woods Leverage Loudoun County activities and eventsLeverage Loudoun County activities and events

Help Wanted!Help Wanted!

Activities Committee cont’dActivities Committee cont’d

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Architectural Review Architectural Review Committee (ARC)Committee (ARC)

Architectural Modification Request Application Architectural Modification Request Application (AMRA) review and approval process - and (AMRA) review and approval process - and process for Architectural/Covenants violationsprocess for Architectural/Covenants violations Thank you:Thank you:

Laura Poole, Community Manager, LMALaura Poole, Community Manager, LMA Jina Ames, DirectorJina Ames, Director Samer Beidas, TreasurerSamer Beidas, Treasurer Amy Nolasco, SecretaryAmy Nolasco, Secretary

Architectural StandardsArchitectural Standards Thank you:Thank you:

Amy Nolasco, SecretaryAmy Nolasco, Secretary Monthly ARC Walkthrough of RBW Sections I & Monthly ARC Walkthrough of RBW Sections I &

IIII

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ARC cont’dARC cont’dThe River Bank Woods HOA Covenants / Bylaws / Rules & Regulations The River Bank Woods HOA Covenants / Bylaws / Rules & Regulations require an application and approval process for exterior home require an application and approval process for exterior home improvements, and the approval becomes part of the unit file that improvements, and the approval becomes part of the unit file that Loudoun Management Associates keeps for each home in River Bank Loudoun Management Associates keeps for each home in River Bank Woods.Woods.

Modifications/enhancements must be on file when you sell your home.  Modifications/enhancements must be on file when you sell your home.  This has been the process even when Toll Brothers was the declarant-This has been the process even when Toll Brothers was the declarant-controlled Board of Directors.  The following is posted on the controlled Board of Directors.  The following is posted on the www.riverbankwoods.org home page and “Docs & Forms” page, and home page and “Docs & Forms” page, and it has been in most River Bank Woods newsletters.it has been in most River Bank Woods newsletters.

"Catch Up and Plan Ahead""Catch Up and Plan Ahead"Please "Catch Up and Plan Ahead" for exterior home improvements.Please "Catch Up and Plan Ahead" for exterior home improvements.

Please use the Please use the Architectural Standardsto complete anto complete an

Architectural Modification Request Application (AMRA)Anyone wishing to add or make changes to their property such as Anyone wishing to add or make changes to their property such as landscaping, decks, patios, storm doors, etc. must, along with obtaining all landscaping, decks, patios, storm doors, etc. must, along with obtaining all necessary permits, submit an AMRA prior to beginning any construction. necessary permits, submit an AMRA prior to beginning any construction.

Applications are available via download at Applications are available via download at www.riverbankwoods.org under under “Documents”“Documents”

Please submit completed applications to RBW HOA c/o Loudoun Management Please submit completed applications to RBW HOA c/o Loudoun Management Associates (LMA) P.O. Box 2070 Purcellville, VA 20134 or e-mail to Associates (LMA) P.O. Box 2070 Purcellville, VA 20134 or e-mail to laura@lmainc.com

NOTE:  If you have made such improvements without getting an AMRA approved, NOTE:  If you have made such improvements without getting an AMRA approved, please take this opportunity to seek approval.  Please catch up and, going forward, please take this opportunity to seek approval.  Please catch up and, going forward, plan ahead.plan ahead.

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THANK YOUTHANK YOU Jina Ames Jina Ames SignsSigns MeetingsMeetings Block CaptainsBlock Captains

WANTED!: BLOCK CAPTAINS; to volunteer, please contact Jina Ames at WANTED!: BLOCK CAPTAINS; to volunteer, please contact Jina Ames at director@riverbankwoods.org.director@riverbankwoods.org.

PatrolsPatrols Informal Informal Formal patrol schedule Formal patrol schedule BackpacksBackpacks

Crime ReportCrime Report From our assigned Deputy, Loudoun County Sheriff’s Office (LCSO)From our assigned Deputy, Loudoun County Sheriff’s Office (LCSO), Crime , Crime

Prevention UnitPrevention Unit AlertsAlerts

From LCSO; from Loudoun County Public Information Office (PIO) From LCSO; from Loudoun County Public Information Office (PIO) www.riverbankwoods.orgwww.riverbankwoods.org and RBW e-mail distribution list and RBW e-mail distribution list

Specific RBW safety & security issues/concernsSpecific RBW safety & security issues/concerns It is best to keep your vehicles in your garage, and your

garage doors closed! If you have questions regarding the River Bank Woods If you have questions regarding the River Bank Woods

Neighborhood Watch Committee, please contact Jina Ames at Neighborhood Watch Committee, please contact Jina Ames at director@riverbankwoods.orgdirector@riverbankwoods.org

Neighborhood Watch Neighborhood Watch CommitteeCommittee

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Management Company: Loudoun Management Associates Management Company: Loudoun Management Associates (LMA)(LMA) RBW HOA-LMA contract renewed for 3 yearsRBW HOA-LMA contract renewed for 3 years Laura Poole, Community ManagerLaura Poole, Community Manager

Landscaping & Maintenance: J.D. Lawn Services, Inc.Landscaping & Maintenance: J.D. Lawn Services, Inc.

Trash & Recycling: AAA Trash & RecyclingTrash & Recycling: AAA Trash & Recycling Please do not put your trash or recycling bin at the curb until 6 p.m. the Please do not put your trash or recycling bin at the curb until 6 p.m. the

evening before pick-up dayevening before pick-up day Please secure loose itemsPlease secure loose items Please remember that trash and recycling bins should not be in front of Please remember that trash and recycling bins should not be in front of

your house except on pick-up day! Please keep them garaged and out-of-your house except on pick-up day! Please keep them garaged and out-of-site. Help keep our neighborhood looking great!site. Help keep our neighborhood looking great!

Insurance: NationwideInsurance: Nationwide

Attorney on retainer: Todd Sinkins of Rees Broome, PC; to Attorney on retainer: Todd Sinkins of Rees Broome, PC; to assist the RBW HOA BoD with the following, and as necessary:assist the RBW HOA BoD with the following, and as necessary: Review of bylaws, rules & regulations, guidelines/standards, forms, Review of bylaws, rules & regulations, guidelines/standards, forms,

documents, processes, policies & proceduresdocuments, processes, policies & procedures Architectural/Covenants violationsArchitectural/Covenants violations

Snow Removal: Virginia Department of Transportation Snow Removal: Virginia Department of Transportation (VDOT)(VDOT) VDOT is responsible for all snow removal from our streetsVDOT is responsible for all snow removal from our streets RBWers need to shovel all sidewalksRBWers need to shovel all sidewalks

Contracts / Community Contracts / Community ServicesServices

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River River BankBank Woods Woods 2008 Actual vs. Budget Comparison2008 Actual vs. Budget Comparison

Accounts & InvestmentsAccounts & Investments

Audit and Tax ServicesAudit and Tax Services Goldklang, Cavanaugh & Associates, P.C.Goldklang, Cavanaugh & Associates, P.C.

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River River BankBank Woods cont’d Woods cont’d 2009 Annual Budget2009 Annual Budget

2009 quarterly dues have increased from $180 to $192. This increase 2009 quarterly dues have increased from $180 to $192. This increase in dues reflects changes in operational costs for the Association. The in dues reflects changes in operational costs for the Association. The full budget is available for your review, but the most significant full budget is available for your review, but the most significant changes are as follows:changes are as follows:

Increases in costsIncreases in costs Audit and Tax PreparationAudit and Tax Preparation- Due to legislative changes, auditing requirements have become - Due to legislative changes, auditing requirements have become

more strict and increased the cost of preparing the annual auditmore strict and increased the cost of preparing the annual audit Management ContractManagement Contract- Contract cost increased by 3%- Contract cost increased by 3% PostagePostage- The Association pays for postage for all invoice, covenants and communications - The Association pays for postage for all invoice, covenants and communications

mailings. The 2009 cost is based on 2008 actual costsmailings. The 2009 cost is based on 2008 actual costs Tree ServicesTree Services- The Association did not budget for tree services in 2008, but found there was a - The Association did not budget for tree services in 2008, but found there was a

need for contract work.need for contract work. Grounds ContractGrounds Contract- Fuel, materials (fertilizer and chemicals) and labor cost increases has - Fuel, materials (fertilizer and chemicals) and labor cost increases has

driven the contract cost up by 7%. The Board has negotiated to hold this cost for a 2 year period driven the contract cost up by 7%. The Board has negotiated to hold this cost for a 2 year period and eliminate any variable increases due to fuel costs.and eliminate any variable increases due to fuel costs.

Trash RemovalTrash Removal- Due to fuel charges and increased landfill fees (County levied), the 2008 - Due to fuel charges and increased landfill fees (County levied), the 2008 budgeted expense was exceeded. The Board has negotiated the elimination of fuel surcharges budgeted expense was exceeded. The Board has negotiated the elimination of fuel surcharges for the last quarter of 2008 and for 2009, but we are anticipating that the County will increase for the last quarter of 2008 and for 2009, but we are anticipating that the County will increase landfill fees again in 2009, by as much as 9%.landfill fees again in 2009, by as much as 9%.

InsuranceInsurance- Due to legislative changes affecting management of community associations, - Due to legislative changes affecting management of community associations, additional insurance (Fidelity Bond) is now required, causing a small increase in insurance additional insurance (Fidelity Bond) is now required, causing a small increase in insurance premium costs.premium costs.

Cost Savings Cost Savings Legal FeesLegal Fees- The Association has not required much legal counsel over 2007-2008 and therefore - The Association has not required much legal counsel over 2007-2008 and therefore

the Board has reduced this budgeted expense.the Board has reduced this budgeted expense. Admin/Office ExpensesAdmin/Office Expenses- All administrative charges associated with late payments will now be - All administrative charges associated with late payments will now be

assessed to the homeowner, rather than the Association. This represents as cost savings in this assessed to the homeowner, rather than the Association. This represents as cost savings in this line item.line item.

Reserve ContributionReserve Contribution- Good investment returns and a reduction in the need for capital - Good investment returns and a reduction in the need for capital expenditures outlined in the 2005 Reserve Study have given the Association a surplus in expenditures outlined in the 2005 Reserve Study have given the Association a surplus in Reserves, eliminating the need for any contribution in 2009.Reserves, eliminating the need for any contribution in 2009.

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River River BankBank Woods cont’d Woods cont’d REMINDERS:REMINDERS: Quarterly schedule for HOA duesQuarterly schedule for HOA dues Quarterly invoices instead of coupon books.Quarterly invoices instead of coupon books. 2009 increase from $180 to $192/quarter2009 increase from $180 to $192/quarter Due on the 1st and by the 10thDue on the 1st and by the 10th HOA dues payments should be mailed to:HOA dues payments should be mailed to:

River Bank Woods HOARiver Bank Woods HOAP.O. Box 64412P.O. Box 64412Phoenix, Arizona 85082-4412Phoenix, Arizona 85082-4412

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RiverRiver Bank Bank WoodsWoods Updates Updates Loudoun County Sanitation Authority (LCSA) Loudoun County Sanitation Authority (LCSA) Loudoun County Board of Supervisors lifted Loudoun County Board of Supervisors lifted

mandatory water restrictionsmandatory water restrictions Loudoun County clean-up and maintenance of the Loudoun County clean-up and maintenance of the

RBW Storm Water Management Pond (SWMP)RBW Storm Water Management Pond (SWMP)

Tree Save AreasTree Save Areas

Brockman Farm LaneBrockman Farm Lane THANK YOU Jay Wells for the digital photo presentation for THANK YOU Jay Wells for the digital photo presentation for

Susan Buckley, Vice Chairman, Loudoun County Board of Susan Buckley, Vice Chairman, Loudoun County Board of Supervisors / Supervisor, Sugarland Run District, who Supervisors / Supervisor, Sugarland Run District, who attended our Summer RBW HOA meeting to discuss the attended our Summer RBW HOA meeting to discuss the Brockman Farm LaneBrockman Farm Lane issue. Supervisor Buckley is working issue. Supervisor Buckley is working with the county and the county attorney’s office toward a with the county and the county attorney’s office toward a resolution. The road is currently a county road and is the resolution. The road is currently a county road and is the responsibility of VDOT and cannot be chained off as it’s a responsibility of VDOT and cannot be chained off as it’s a public road. However, if the road was abandoned by the public road. However, if the road was abandoned by the county, it could be chained or blocked off which would county, it could be chained or blocked off which would prevent a lot of traffic, dumping, loitering, etc. This is the prevent a lot of traffic, dumping, loitering, etc. This is the current resolution she is seeking.current resolution she is seeking.

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River Bank Trail (sidewalk)River Bank Trail (sidewalk) HIGH-LEVEL PROJECT DESCRIPTION:HIGH-LEVEL PROJECT DESCRIPTION:

Safety: Walkers, runners, and bikers are currently in great danger of Safety: Walkers, runners, and bikers are currently in great danger of getting struck by vehicles traveling along River Bank Street.getting struck by vehicles traveling along River Bank Street.

Pedestrian and bicycle facilities: “River Bank Trail” – Approximately Pedestrian and bicycle facilities: “River Bank Trail” – Approximately one-third (1/3) mile of pedestrian and bicycle trail (consisting of one-third (1/3) mile of pedestrian and bicycle trail (consisting of concrete sidewalk since it would be in the VDOT right-of-way (ROW) concrete sidewalk since it would be in the VDOT right-of-way (ROW) along River Bank Street (Rte 2270) to safely connect Rivercrest HOA along River Bank Street (Rte 2270) to safely connect Rivercrest HOA (385), River Bank Woods HOA (78 homes), and Lowes Point HOA (36 (385), River Bank Woods HOA (78 homes), and Lowes Point HOA (36 homes) to the existing “Algonkian Trail” sidewalk/trail system along homes) to the existing “Algonkian Trail” sidewalk/trail system along Algonkian Parkway (Rte 1582).Algonkian Parkway (Rte 1582).

STATUS:STATUS: We did not receive full or partial funding from the Federal/VDOT We did not receive full or partial funding from the Federal/VDOT

SAFETEA-LU grant program ;-(SAFETEA-LU grant program ;-( Our request for Loudoun County to use developer proffers as the Our request for Loudoun County to use developer proffers as the

funding source for a sidewalk along River Bank Street ("River Bank funding source for a sidewalk along River Bank Street ("River Bank Trail (sidewalk)"; a need, not a want, for safety) has passed the Trail (sidewalk)"; a need, not a want, for safety) has passed the Loudoun County Transportation/Land Use Committee, and has been Loudoun County Transportation/Land Use Committee, and has been approved for Public Hearing by the Loudoun County Board of approved for Public Hearing by the Loudoun County Board of Supervisors.  The Public Hearing is scheduled for Monday, February Supervisors.  The Public Hearing is scheduled for Monday, February 99thth in the evening; they will provide an approximate time slot as the in the evening; they will provide an approximate time slot as the date approaches.  We ask that all RBWers sign a petition in support of date approaches.  We ask that all RBWers sign a petition in support of this effort.  We also ask that as many RBWers as possible attend the this effort.  We also ask that as many RBWers as possible attend the Public Hearing to speak and/or show support.  NOTE:  Rivercrest HOA Public Hearing to speak and/or show support.  NOTE:  Rivercrest HOA and Lowes Point HOA are also doing a petition and will attend the and Lowes Point HOA are also doing a petition and will attend the Public Hearing to speak and/or show support.Public Hearing to speak and/or show support.

Updates cont’dUpdates cont’d

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Updates cont’dUpdates cont’d 2008 Great Falls Chase HOA swimming pool 2008 Great Falls Chase HOA swimming pool

memberships for max 50 River Bank Woods memberships for max 50 River Bank Woods householdshouseholds

We anticipate that our arrangement will continue for summer We anticipate that our arrangement will continue for summer of 2009of 2009

2008 Rivercrest HOA swimming pool memberships 2008 Rivercrest HOA swimming pool memberships (max 10 outside memberships; i.e., not exclusive to (max 10 outside memberships; i.e., not exclusive to RBW) and Rivercrest Riptide swim teamRBW) and Rivercrest Riptide swim team

We anticipate that our arrangement will continue for summer We anticipate that our arrangement will continue for summer of 2009of 2009

Sex Offender Registry Information SessionSex Offender Registry Information Session Held in April at Cascades LibraryHeld in April at Cascades Library Attendees:Attendees:

Susan Buckley, Supervisor, Sugarland Run District, Loudoun County Susan Buckley, Supervisor, Sugarland Run District, Loudoun County Board of SupervisorsBoard of Supervisors

Jim Plowman, Commonwealth's Attorney, Loudoun County Jim Plowman, Commonwealth's Attorney, Loudoun County Virginia State Police representative re: Virginia Sex Offender RegistryVirginia State Police representative re: Virginia Sex Offender Registry Loudoun County Sheriff's Office representative re: Community Policing Loudoun County Sheriff's Office representative re: Community Policing

and Neighborhood Watch Programand Neighborhood Watch Program River Bank Woods HOA, Rivercrest HOA, and Lowes Point HOA River Bank Woods HOA, Rivercrest HOA, and Lowes Point HOA

homeowners and residentshomeowners and residents

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Loudoun County Potomac/Sterling Community Loudoun County Potomac/Sterling Community Outreach ProcessOutreach Process

Process, deliverables (reports and recommendations), and Process, deliverables (reports and recommendations), and status available atstatus available at

www.loudoun.gov/potomac-sterlingwww.loudoun.gov/potomac-sterlingandandwww.loudoun.gov/Default.aspx?tabid=2094www.loudoun.gov/Default.aspx?tabid=2094

Susan Buckley is organizing a Sugarland Run Susan Buckley is organizing a Sugarland Run District HOA Forum for this SpringDistrict HOA Forum for this Spring

THANK YOU Teresa BettacTHANK YOU Teresa Bettac Teresa & John Bettac moved into their new home in Ohio. The Teresa & John Bettac moved into their new home in Ohio. The

RBW HOA BoD would like to extend a THANK YOU to Teresa RBW HOA BoD would like to extend a THANK YOU to Teresa for all the work she has done the last several years for the for all the work she has done the last several years for the community. Teresa has served as the RBW HOA BoD community. Teresa has served as the RBW HOA BoD Secretary, on the Communications Committee as Secretary, on the Communications Committee as writer/director/producer of the RBW Newsletter, on the writer/director/producer of the RBW Newsletter, on the Activities Committee, and on Architectural Review Committee Activities Committee, and on Architectural Review Committee (ARC). (ARC).

Updates cont’dUpdates cont’d

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Goals for 2009Goals for 2009 Continued management & leadership and communicationContinued management & leadership and communication

Finance, Budget, AccountingFinance, Budget, Accounting Contracts / Community ServicesContracts / Community Services Action Items / Hot Topics / Issues / Concerns / Special ProjectsAction Items / Hot Topics / Issues / Concerns / Special Projects Communications CommitteeCommunications Committee Activities CommitteeActivities Committee Architectural Review Committee (ARC) / Architectural Architectural Review Committee (ARC) / Architectural

StandardsStandards Neighborhood Watch CommitteeNeighborhood Watch Committee

In order to:In order to: Provide community servicesProvide community services Maintain/enhance property valuesMaintain/enhance property values Build communityBuild community

BottomlineBottomline The State of the RBW HOA is STRONGThe State of the RBW HOA is STRONG We would like to We would like to build communitybuild community through the: through the:

Communications CommitteeCommunications Committee Activities CommitteeActivities Committee Neighborhood Watch Committee / Block CaptainsNeighborhood Watch Committee / Block Captains

to make the RBW HOA to make the RBW HOA STRONGERSTRONGER WE NEED YOU!WE NEED YOU!