State of theState of theRiver Bank Woods River Bank Woods

HOAHOA

Annual MeetingAnnual MeetingFebruary 28February 28thth, 2006, 2006

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 Current River Bank Woods HOA Board of Current River Bank Woods HOA Board of

DirectorsDirectors Mike Morgan, PresidentMike Morgan, President Dennis Coombe, Vice PresidentDennis Coombe, Vice President Teresa Bettac, SecretaryTeresa Bettac, Secretary Samer Beidas, TreasurerSamer Beidas, Treasurer Lisa Toohey Lisa Toohey Jina Ames, Director Jina Ames, Director

Managing Agent: Cardinal Management Managing Agent: Cardinal Management GroupGroup Crishana Loritsch Crishana Loritsch Tom Markell Tom Markell Tom (primary POC), Crishana (secondary)Tom (primary POC), Crishana (secondary)

HOA meetingsHOA meetings Quarterly: Winter, Spring, Summer, and FallQuarterly: Winter, Spring, Summer, and Fall Tonight: Annual Meeting and ElectionTonight: Annual Meeting and Election

Meet the CandidatesMeet the Candidates VoteVote

IntroductionIntroduction

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OverviewOverview RBW HOA BoD and Managing AgentRBW HOA BoD and Managing Agent

Action Items / Hot Topics / Issues / Concerns / Special ProjectsAction Items / Hot Topics / Issues / Concerns / Special Projects The RBW HOA BoD logs all items in a spreadsheet and works to The RBW HOA BoD logs all items in a spreadsheet and works to

close each ASAP.  If you have an item or status, please e-mail Mike close each ASAP.  If you have an item or status, please e-mail Mike Morgan president@riverbankwoods.net.Morgan president@riverbankwoods.net.

Status:Status:    32 Open32 Open        3 Re-opened3 Re-opened    21 On-going21 On-going    11 Not Started11 Not Started103103 Closed Closed170 Items Total170 Items Total

Communications CommitteeCommunications Committee Activities CommitteeActivities Committee Architectural Review CommitteeArchitectural Review Committee River River BankBank Woods Woods Contracts / Community ServicesContracts / Community Services Toll Brothers Bond ReleaseToll Brothers Bond Release Neighborhood WatchNeighborhood Watch Goals for 2006; and BottomlineGoals for 2006; and Bottomline ElectionElection Open Forum / Q&AOpen Forum / Q&A

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Communications CommitteeCommunications Committee Web site Web site www.riverbankwoods.netwww.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 administration annuallyand e-mail administration annually

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

Mike MorganMike Morgan PresidentPresident president@riverbankwoods.netpresident@riverbankwoods.netDennis CoombeDennis Coombe Vice PresidentVice President vpresident@riverbankwoods.orgvpresident@riverbankwoods.orgTeresa BettacTeresa Bettac SecretarySecretary secretary@riverbankwoods.orgsecretary@riverbankwoods.orgSamer BeidasSamer Beidas TreasurerTreasurer treasurer@riverbankwoods.orgtreasurer@riverbankwoods.orgJina AmesJina Ames DirectorDirector director@riverbankwoods.orgdirector@riverbankwoods.org

E-mail distribution listE-mail distribution list For periodic updates and remindersFor periodic updates and reminders Please e-mail webmaster@riverbankwoods.org to be added to the River Please e-mail webmaster@riverbankwoods.org 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 1/4ly HOA meetingQuarterly: Winter, Spring, Summer, and Fall; after 1/4ly HOA meeting Thank you Teresa Bettac, SecretaryThank you Teresa Bettac, Secretary Help Wanted!Help Wanted!

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 boardsSandwich boards

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Neighborhood Spring FlingNeighborhood Spring Fling THANK YOUTHANK YOU to to Karen BlonderKaren Blonder, , Carolyn CoombeCarolyn Coombe, , Joyce & David ParkJoyce & David Park, , Jenni & Tom Jenni & Tom

AprahamianAprahamian, , Mike MorganMike Morgan, and , and everyoneeveryone who helped make our Spring Fling a success! A who helped make our Spring Fling a success! A special thank you to the special thank you to the Sterling Volunteer Fire DepartmentSterling Volunteer Fire Department!!!!

Community Garage SaleCommunity Garage Sale Thank you Jina Ames!!Thank you Jina Ames!!

BUNCOBUNCO Thank you Karen Blonder and Jina Ames!!Thank you Karen Blonder and Jina Ames!!

Ladies Night OutLadies Night Out Poker NightPoker Night Weekly Playdate at the Tot Lot andWeekly Playdate at the Tot Lot and Play Area on River Oaks Drive in RBW Section IIPlay Area on River Oaks Drive in RBW Section II

Activities Committee meetingActivities Committee meeting Discuss how to gain more leadership and participation, build community, etc.Discuss how to gain more leadership and participation, build community, etc. Plan activities & eventsPlan activities & events Help Wanted!Help Wanted!

Activities CommitteeActivities Committee

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Architectural Review Architectural Review CommitteeCommittee

Architectural Modification Request Architectural Modification Request Application (AMRA) review and Application (AMRA) review and approval process - and process for approval process - and process for Architectural/Covenants violationsArchitectural/Covenants violations Thank you Teresa Bettac, Secretary and Thank you Teresa Bettac, Secretary and

Crishana Loritsch; and the RBW HOA Crishana Loritsch; and the RBW HOA BoDBoD

Architectural StandardsArchitectural Standards Thank you Dennis Coombe, Vice Thank you Dennis Coombe, Vice

PresidentPresident

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Architectural Review Architectural Review Committee cont’dCommittee cont’dThe River Bank Woods HOA Covenants / Bylaws / Rules & The River Bank Woods HOA Covenants / Bylaws / Rules &

Regulations require an application and approval process for Regulations require an application and approval process for exterior home improvements, and the approval becomes part of the exterior home improvements, and the approval becomes part of the unit file that Cardinal Management Group keeps for each home in unit file that Cardinal Management Group keeps for each home in River Bank Woods.River Bank Woods.

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

Architectural Modification Request Application (AMRA)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 (above or on www.riverbankwoods.org Applications are available via download (above or on www.riverbankwoods.org under "Documents") or by contacting Crishana Loritsch, Property Manager, under "Documents") or by contacting Crishana Loritsch, Property Manager, Cardinal Management GroupCardinal Management Group

Please submit completed applications to Teresa Bettac, Secretary, River Bank Please submit completed applications to Teresa Bettac, Secretary, River Bank Woods, at 20667 Forest Overlook Court.Woods, at 20667 Forest Overlook Court.

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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River River BankBank Woods Woods 2006 Annual Budget2006 Annual Budget

Thank you Crishana Loritsch and Samer Beidas, Thank you Crishana Loritsch and Samer Beidas, TreasurerTreasurer

HOA member fees holding at $60 per monthHOA member fees holding at $60 per month Considered:Considered:

Reserve Study by Mason & MasonReserve Study by Mason & Mason Conducted in 2004Conducted in 2004 Finalized in 2005Finalized in 2005

Detailed financial review of 2005Detailed financial review of 2005 Operational actuals-to-date Operational actuals-to-date planned 2006 expenses planned 2006 expenses

Required 2006 assessment revenue against planned 2006 Required 2006 assessment revenue against planned 2006 expensesexpenses

Financial modelingFinancial modeling

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

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Landscaping & Maintenance: J.D. Lawn ServiceLandscaping & Maintenance: J.D. Lawn Service Snow Removal: Hunt Country PavingSnow Removal: Hunt Country Paving

Toll Brothers is no longer responsible for snow removal.Toll Brothers is no longer responsible for snow removal. We have contracted with Hunt Country Paving.We have contracted with Hunt Country Paving. We have set a 3” minimum before snow removal occurs - We have set a 3” minimum before snow removal occurs -

or our budget could get wiped out in a harsh winter.or our budget could get wiped out in a harsh winter. Trash & Recycling: AAA Trash & RecyclingTrash & Recycling: AAA Trash & Recycling

Please do not put your trash or recycling bin at the curb Please do not put your trash or recycling bin at the curb until the evening before pick-up dayuntil the evening before pick-up day

Please remember that trash and recycling bins should not Please remember that trash and recycling bins should not be in front of your house except on pick-up day! Please be in front of your house except on pick-up day! Please keep them garaged and out-of-site. Help keep our keep them garaged and out-of-site. Help keep our neighborhood looking great!neighborhood looking great!

Insurance: NationwideInsurance: Nationwide Attorney on retainer: Todd Sinkins of Rees, Attorney on retainer: Todd Sinkins of Rees,

Broome, & Diaz; to assist the RBW HOA BoD with Broome, & Diaz; to assist the RBW HOA BoD with the following, and as necessary:the following, and as necessary: Toll Brothers Bond ReleaseToll Brothers Bond Release Architectural/Covenants violationsArchitectural/Covenants violations Review of bylaws, rules & regulations, guidelines, forms, Review of bylaws, rules & regulations, guidelines, forms,

documents, processes, policies & proceduresdocuments, processes, policies & procedures

Contracts / Community Contracts / Community ServicesServices

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Toll Brothers Bond ReleaseToll Brothers Bond Release Toll Brothers Bond Release items, process, and timeline - status and Toll Brothers Bond Release items, process, and timeline - status and

communication plan for remaining items via communication plan for remaining items via www.riverbankwoods.netwww.riverbankwoods.net and RBW e- and RBW e-mail distribution listmail distribution list

The bond release process is between Toll Brothers and Loudoun County / VDOT, The bond release process is between Toll Brothers and Loudoun County / VDOT, but we (the River Bank Woods Homeowners Association (HOA) Board of Directors) but we (the River Bank Woods Homeowners Association (HOA) Board of Directors) want to be in-the-loop in order to communicate with you (the RBW homeowners want to be in-the-loop in order to communicate with you (the RBW homeowners and residents); and because once Toll Brothers is off bond (w/ Loudoun County / and residents); and because once Toll Brothers is off bond (w/ Loudoun County / VDOT), the RBW HOA has responsibility for the common area assets, etc.VDOT), the RBW HOA has responsibility for the common area assets, etc.

The bond release process covers everything from streets (& final street paving), The bond release process covers everything from streets (& final street paving), curbs, gutters, driveway aprons (& final driveway paving), sidewalks, street trees, curbs, gutters, driveway aprons (& final driveway paving), sidewalks, street trees, common area landscaping (including dead street tree replacement - and "re-common area landscaping (including dead street tree replacement - and "re-replacement"), common area stabilization (seed & straw, not sod), street lights, replacement"), common area stabilization (seed & straw, not sod), street lights, street signs, monumentation (property pins), Tot Lots & Play Areas, Tree Save street signs, monumentation (property pins), Tot Lots & Play Areas, Tree Save Areas, Brockman Farm Lane, Storm Water Management Pond, silt fencing Areas, Brockman Farm Lane, Storm Water Management Pond, silt fencing removal, construction and storage trailer removal and clean-up, general clean-up, removal, construction and storage trailer removal and clean-up, general clean-up, etc.etc.

The RBW HOA BoD held the final walkthrough with Kathy Wilt, Toll Brothers The RBW HOA BoD held the final walkthrough with Kathy Wilt, Toll Brothers contractor/consultant for bond release, on 11/1.  Toll Brothers has since addressed contractor/consultant for bond release, on 11/1.  Toll Brothers has since addressed all bond release items from an HOA perspective (e.g., dead street trees and dead all bond release items from an HOA perspective (e.g., dead street trees and dead trees along Brockman Farm Lane have been replaced; "temporary utility box", trees along Brockman Farm Lane have been replaced; "temporary utility box", located to the right of 20528 Mason Oak Court, in River Bank Woods Section II, located to the right of 20528 Mason Oak Court, in River Bank Woods Section II, has been addressed by the utility companies).  The RBW HOA has signed a letter has been addressed by the utility companies).  The RBW HOA has signed a letter of acceptance of common area ownership and maintenance from Toll Brothers.of acceptance of common area ownership and maintenance from Toll Brothers.

Toll Brothers has received VDOT and County acceptance of River Bank Woods I Toll Brothers has received VDOT and County acceptance of River Bank Woods I and II.  At this time, Toll Brothers is waiting for the formality of VDOT street and II.  At this time, Toll Brothers is waiting for the formality of VDOT street acceptance, which takes place in Richmond.  This process usually takes 1-2 acceptance, which takes place in Richmond.  This process usually takes 1-2 months, and Toll Brothers hopes to hear back from VDOT within the next couple of months, and Toll Brothers hopes to hear back from VDOT within the next couple of weeks.  Once the formality takes place, we will see VDOT installing the road weeks.  Once the formality takes place, we will see VDOT installing the road numbers on the streets within the RBW Sections I and II.  As for Loudoun County, numbers on the streets within the RBW Sections I and II.  As for Loudoun County, once they are notified by VDOT that the roads are formally accepted, then the once they are notified by VDOT that the roads are formally accepted, then the bond committee will approve the release of the performance bonds.bond committee will approve the release of the performance bonds.

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Jina Ames, Director, River Bank Woods HOA Board of Directors, initiated Jina Ames, Director, River Bank Woods HOA Board of Directors, initiated the RBW Neighborhood Watch Program.the RBW Neighborhood Watch Program.

The first meeting was held on Tuesday, November 8, 2005.  Master The first meeting was held on Tuesday, November 8, 2005.  Master Deputy Terry Davis of the Loudoun County Sheriff's Office, Crime Deputy Terry Davis of the Loudoun County Sheriff's Office, Crime Prevention Unit, met with the RBW HOA BoD and several homeowners to Prevention Unit, met with the RBW HOA BoD and several homeowners to discuss the program & options and plan & organize.  We also discussed discuss the program & options and plan & organize.  We also discussed specific RBW safety & security issues/concerns.  As discussed at the specific RBW safety & security issues/concerns.  As discussed at the meeting, a few vehicles parked on the streets and in driveways in River meeting, a few vehicles parked on the streets and in driveways in River Bank Woods and Lowes Point were broken into in October/November.  Bank Woods and Lowes Point were broken into in October/November.  It It is best to keep your vehicles in your garage!is best to keep your vehicles in your garage!

Neighborhood Watch Street SignsNeighborhood Watch Street Signs Ordered, Delivered, InstalledOrdered, Delivered, Installed UPDATE 1/19/06UPDATE 1/19/06:  Jina Ames met with a VDOT representative to mark where the signs :  Jina Ames met with a VDOT representative to mark where the signs

can be posted at each RBW entrance.  The RBW HOA BoD will get posts and have the can be posted at each RBW entrance.  The RBW HOA BoD will get posts and have the signs installed properly at each VDOT-approved RBW entrance location. signs installed properly at each VDOT-approved RBW entrance location.

UPDATE 2/27/06:UPDATE 2/27/06: The NW signs are up!! The NW signs are up!!

Neighborhood Watch Block CaptainsNeighborhood Watch Block Captains WANTED!: BLOCK CAPTAINS; to volunteer, please contact Jina Ames at WANTED!: BLOCK CAPTAINS; to volunteer, please contact Jina Ames at

director@riverbankwoods.netdirector@riverbankwoods.net..

Neighborhood Watch PatrolsNeighborhood Watch Patrols CURRENT: Informal patrol schedule CURRENT: Informal patrol schedule COMING SOON!: Formal patrol scheduleCOMING SOON!: Formal patrol schedule

Neighborhood WatchNeighborhood Watch

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CRIME ALERT; posted 1/19/06:CRIME ALERT; posted 1/19/06: Master Deputy Terry Davis, Loudoun County Sheriff's Office, Crime Prevention Master Deputy Terry Davis, Loudoun County Sheriff's Office, Crime Prevention

Unit, contacted the RBW Neighborhood Watch with a CRIME ALERT for Eastern Unit, contacted the RBW Neighborhood Watch with a CRIME ALERT for Eastern Loudoun County:  a rash of larcenies from garages where the doors are left open.  Loudoun County:  a rash of larcenies from garages where the doors are left open.  It is best to keep your vehicles in your garage, and your garage doors It is best to keep your vehicles in your garage, and your garage doors closed!closed!

For more information about Neighborhood Watch, please see the For more information about Neighborhood Watch, please see the River Bank Woods Newsletter - Fall 2005River Bank Woods Newsletter - Fall 2005 , or visit:, or visit: Loudoun County Sheriff’s Office Crime Prevention Unit Loudoun County Sheriff’s Office Crime Prevention Unit http://http://

www.loudoun.gov/sheriff/dare.htmwww.loudoun.gov/sheriff/dare.htm - scroll down to Crime Prevention for - scroll down to Crime Prevention for Neighborhood Watch Neighborhood Watch

National Sheriffs' Association Neighborhood Watch ProgramNational Sheriffs' Association Neighborhood Watch Program Resource Center Resource Center

http://www.usaonwatch.org/resource/Neighborhood_Watch/publications.aspxhttp://www.usaonwatch.org/resource/Neighborhood_Watch/publications.aspx and and

Register/Start A Watch Register/Start A Watch http://http://www.usaonwatch.org/startwatch/startwatch.aspxwww.usaonwatch.org/startwatch/startwatch.aspx National Crime Prevention Council – Neighborhood Watch National Crime Prevention Council – Neighborhood Watch http://http://

www.ncpc.org/ncpc/ncpc/?pgwww.ncpc.org/ncpc/ncpc/?pg=5882-3200-6062-6240=5882-3200-6062-6240 Citizen Corps – Neighborhood Watch Program Citizen Corps – Neighborhood Watch Program http://http://

www.citizencorps.gov/programs/watch.shtmwww.citizencorps.gov/programs/watch.shtm If you have questions regarding the River Bank Woods If you have questions regarding the River Bank Woods

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

NOTE:NOTE:  The RBW HOA BoD has also contacted the Loudoun County   The RBW HOA BoD has also contacted the Loudoun County Sheriff’s Office to request that a Deputy patrol RBW more often, Sheriff’s Office to request that a Deputy patrol RBW more often, especially at night.  Please see the following link:especially at night.  Please see the following link: Loudoun County Sheriff’s Office Community Policing Team Loudoun County Sheriff’s Office Community Policing Team http://http://

www.loudoun.gov/sheriff/community_police.htmwww.loudoun.gov/sheriff/community_police.htm

Neighborhood Watch cont’dNeighborhood Watch cont’d

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Goals for 2006Goals for 2006 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 Action Items / Hot Topics / Issues / Concerns / Special

ProjectsProjects Communications CommitteeCommunications Committee Activities CommitteeActivities Committee Architectural Review Committee / Architectural StandardsArchitectural Review Committee / Architectural Standards Neighborhood WatchNeighborhood Watch

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 Block CaptainsNeighborhood Watch Block Captains

to make the RBW HOA to make the RBW HOA STRONGERSTRONGER

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ElectionElection Call for CandidatesCall for Candidates Meet the CandidatesMeet the Candidates VoteVote

Open Forum / Q&AOpen Forum / Q&A(while election results are tallied)(while election results are tallied)

Election ResultsElection Results