Information for Members

The ARQRV committee decided to attend as an exhibitor at the Retirement & Lifestyle Expo from 14 – 16 October 2011 in the pavilion at the exhibition grounds in Brisbane. 
Visitors attending the ARQRV stand had the opportunity to ask questions about retirement villages from the resident’s viewpoint, and collect information material.
·       Handout listing the questions prospective residents should ask the Operator BEFORE SIGNING ANYTHING
·       Brochures, newsletters and pens were given out to the visitors at our stand
In the future if any prospective retirement village residents had any further questions they were informed they could contact the ARQRV committee for more information. Many visitors were pleased that there was an organisation like the ARQRV to look after the interests of village residents as consumers. In fact some wanted to join the ARQRV before they were living in a retirement village which is not allowed by our constitution.
The photograph shows the ARQRV signs which will be used for future expos etc.

Resident versus Resident

In Retirement Villages there can be disagreements and arguments between residents as in any community. The article below can be found on the Department of Justice and Attorney-General website. http://www.justice.qld.gov.au/justice-services/dispute-resolution/tips-for-managing-conflict.

Tips for managing conflict

If you are in conflict with someone and you don't know how to deal with it, some of these tips may be helpful.

Discuss the issue
If there is no threat of physical violence, talking it out is the best solution. Face-to-face contact is better than letters and messages - and a good deal better than banging on walls, throwing things, or complaining about it to everyone else.
Before talking with the other person, think about what you want to say. It's important to state clearly what the problem is and how you feel about it.

Choose an appropriate time
Choose a good time to approach the other person so that neither of you is rushed. Don't start when the other person is on the way to work, or you've had a terrible day, or you're just about to cook dinner. That will only add to the frustration. Find a place where you can both sit comfortably and quietly for a while. Explain that the conflict has been worrying you and you'd like to sort it out.

Give the other person a chance to explain
Don't blame the other person for everything or begin with your opinion of what should be done. Avoid name-calling - it only makes it harder for the person to hear what you are saying. Don't be tempted to interpret the other person's behaviour. Don't say 'You're blocking my driveway on purpose, just to make me angry'. Instead say 'When your car blocks my driveway I get angry because it is difficult to get in or out'.
Give the other person a chance to tell you their side of the story. Be prepared to relax, listen and take everything in.

Listen to the other person
Let the person know you are listening. You may not agree, but there's nothing more frustrating than trying to talk to someone who doesn't appear to be listening. Say that you're glad you're talking about the problem. This helps to ease the tension and is a great help in moving things towards an agreement.

Resolving the conflict

Work together to find a solution
When you've reached this point, try working on the dispute cooperatively. Work out what you both have to do to resolve the problem. Two or more people working on a problem together can get further than one person telling the other to change.

Since you're taking the time to work on a problem, take the time to get it right. Get the whole problem out in the open. Don't leave out the part that seems less important or is the hardest to talk about. Those are the things that will ruin the solution you come up with.

Meet again in the future
Agree to check with each other at a specific time in the future to see how things are going - and don't forget to do it.

Mediation help

If things have gone too far for you to handle the conflict yourself, there is help at hand. Our dispute resolution centres provide a free, confidential and impartial mediation service throughout Queensland.

 RESIDENTS AND DISPUTES

One of the main aims of the ARQRV is to support, and assist members when they have a problem or dispute with their village manager and/or Scheme Operator. The ARQRV cannot intervene in disputes between residents in a Retirement Village.
Too many Scheme Operators in this industry have placed too much faith in the legal profession in order to maximise their profits. The result has been unfair complex contracts which are so long that ordinary solicitors - sometimes with little knowledge of the Acts relating to Retirement Villages - will still charge thousands of dollars to check them over for future residents. If you know someone considering the move to a Retirement Village please advise them to seek help from the ARQRV before they sign anything. (See ‘Retirement Villages: some questions to ask before signing’ in this section).
Some Scheme Operators may procrastinate, and seek ways to circumvent decisions by the Courts and Tribunals that favour the residents. The Government and the Office of Fair Trading frequently justify their actions on the premise that the viability of the industry is paramount. The Retirement Village Industry is now a multi-billion dollar one with multi-billion dollar multinational and national companies now in the industry.
 Poorly managed companies in this industry should not be encouraged by the lax attitude of the Office of Fair Trading towards penalising Scheme Operators who do not operate their villages within the law. The fines are minor, but are still not enforced in a transparent manner. The public are beginning to perceive that some Scheme Operators see nothing immoral, unethical, unfair and dishonest in subjecting residents – in their sixties, seventies and eighties and older – to Elder Abuse, and making them the oldest whistleblowers in Australia. Perhaps, the reducing value of their shares will see changes in this industry for the better. The ARQRV has been campaigning for years to have amendments to the Acts which will give residents a fairer deal.
The organisations that support Scheme Operators still do not recognize the negative and costly impact of all the Court and Tribunal cases on the public image of Scheme Operators. Their actions negate the advertising image of carefree holiday resorts.
Managers have to be better trained in their handling of problems with residents, and Scheme Operators have to be proactive, and not overly reliant on the use of legal services. Residents as part of the industry have to be respected as valuable consumers, and a wonderful resource for advertising the benefits of Retirement Village living.
Surely it’s not an impossible dream for the ARQRV one day to be able to compliment and support publicly the enlightened policies, contracts and management of one or more Scheme Operators in this state.
 Residents may not be aware when they become embroiled in a situation which quickly escalates into a dispute that the stresses and treatment they will feel and endure will be very similar to those that whistleblowers face. The whistleblower websites Whistleblowers and Sister etc are found by clicking on Links. These websites will illustrate this similarity succinctly with numerous examples. The health effects whistleblowers and residents risk is well documented. However, residents who belong to the ARQRV are NOT alone, because they have help and advice from the ARQRV Committee at all stages of a dispute including Mediation and the Tribunal. The ARQRV also has recourse to the services of a solicitor who specialises in the Acts governing Retirement Villages.
The Acts that govern Retirement Villages have sections dealing with the Resolution of Disputes. However, these sections lack credibility, because they ignore the fact that residents in many disputes are suffering Elder Abuse in the way village managers and Scheme Operators behave. More information on Elder Abuse can be found by clicking on Links, and then clicking on the links Elder Abuse….. . The ARQRV Newsletters can attest to the bullying, and intimidation of residents involved in disputes with their village manager and/or Scheme Operator. Even the ARQRV Committee has been subjected to intimidation by solicitors acting on behalf of Scheme Operators for helping members involved in disputes.
Most reputable companies welcome feedback – positive or negative - from their customer. However, this is not the case with the Retirement Village Industry where most Scheme Operators object so strongly to negative feedback from residents that their typical response is one that falls into the category of ‘shoot the messenger’. 
The glossy brochures advertising the lifestyles in Retirement Villages do not answer the questions outlined below. Since the majority of disputes the ARQRV deal with are financial in nature members of the ARQRV can help friends or relatives who may be thinking of residing in a retirement village by bringing these questions to their notice.
The ARQRV suggests that prospective residents considering a retirement village (Lease, Loan/Licence or Freehold) should ask the questions outlined below BEFORE signing a contract. Written answers to these questions could prevent disputes in the future. Retirement Village Contracts are unfortunately long, complex documents, and verbal assurance by the sales person that the contract answers the questions outlined below should not be accepted. Written answers giving the contract clauses applicable to each question should be supplied to the prospective resident.
One has to be aware that the sales person will probably not be able to answer these questions, but should be able to obtain written answers to them from the Scheme Operator. If no written answers are provided the phrase “caveat emptor” (Let the buyer beware) is very appropriate.
1.    Who pays for repairs and replacements in my unit?
2.    Who gets the Capital Appreciation on my unit when I leave?
3.    When my unit is sold how soon will I be paid out?
4.    How is the Exit Fee or Deferred Management Fee – if applicable – calculated in this retirement village?
5.    What fees did the residents pay in the previous three years, and how do they compare with the current charge?
6.    Is the budget increase - if any - calculated from Actual to Budget or Budget to Budget?
7.    If the unit sells for less than the purchase price am I liable to pay for this loss?

The ARQRV Constitution

The Constitution which follows was approved by Special
Resolution at a General Meeting of the ARQRV held on 17th July 2003.  With some amendments it was again approved by Special Resolution at the AGM held at Maroochydore on 22nd September 2003.  At the request of the Department of Fair Trading some mandatory additions were made and approved by Special Resolution at the AGM held in Bundaberg on the 27th September 2004.  This Constitution was registered under the Associations Incorporation Act 1981 on the 15th October 2004.  A Certificate to this effect follows the text of the Constitution.

THE ASSOCIATION OF RESIDENTS OF QUEENSLAND RETIREMENT VILLAGES (INC.)
CONSTITUTION

1.    NAME
The name of this incorporated association shall be “THE ASSOCIATION OF RESIDENTS OF QUEENSLAND RETIREMENT VILLAGES INC.” abbreviated to ARQRV and hereinafter referred to as “THE ASSOCIATION”.

2.    OBJECTS
The objects of the Association shall be:
(1)    To advance and protect the interests of residents of retirement villages located in Queensland.
(2)    To act as an advocate on behalf of residents of retirement villages, and to canvass issues affecting their welfare.
(3)    To encourage residents to become involved through their ARQRV branches and/or village residents committee in concerns their general welfare and finances.
(4)    To examine, advise and/or act upon matters referred to the Association by ARQRV branches and/or village residents committees and/or residents.
(5)    To maintain the Association as non-sectarian and non-party political in all its activities.
(6)    To remain financially and constitutionally independent from bodies involved in the development and/or management of retirement villages.

3.    POWERS
The powers of the Association shall be:
(1)    To invest any money of the Association not immediately required in such manner as may from time to time be thought appropriate.
(2)    To accept any gift or bequest whether subject to any special trust or not, for anyone or more of the Objects of the Association.
(3)    To take such steps as may from time to time be deemed expedient for the purpose of procuring contributions to the funds of the Association, in the shape of donations, grants, annual subscriptions or any other legal gift or bequest.
(4)    To print or publish any newspapers, articles, periodicals, books, website or leaflets that the Association may think desirable for the promotion of its Objects.

4.    MEMBERSHIP
Membership shall be regulated as set out in the following rules:
4.1    CLASSES
The Association shall consist of the following classes of membership:
(1)    Ordinary Member – any retirement village “resident” within the meaning of Section 9 of the Queensland Retirement Villages Act 1999, and who has not previously been expelled.  The number of Ordinary Members shall be unlimited.
(2)    Life Member – any person (member or not) nominated by the Executive, and elected by a simple majority at a General Meeting who has made a significant contribution to the Objects of the Association.  Such Life Member shall be entitled to all the rights and privileges of membership provided for Ordinary Members without payment of annual subscription.  The number of Honorary Life Members shall not exceed five (5) members.
(3)    Patron – On nomination by the Executive a Patron may be appointed by a General Meeting of members for such term as the General Meeting may determine.  An appointed Patron shall have all the rights and privileges of membership without payment of an annual subscription.

4.2    APPLICATION
Any application for membership of the Association shall be made in writing, and shall be in the form prescribed by the Executive.  No proposer is required and each application shall be accompanied by a subscription for one year.

4.2.1    TERMINATION
Termination of membership shall be advised by the Secretary in writing and shall occur when:
(1)    A member resigns from the Association.
(2)    If a member’s subscription is six months overdue.
(3)    A member is deemed by the Executive Committee to have contravened this constitution, and is expelled by a Special Resolution conducted as a secret ballot
at a General Meeting called for that purpose.  At such a General Meeting the member will be afforded every opportunity to present their case why their membership should not be terminated.  There shall be no appeal from a General Meeting’s decision to terminate membership.

4.3    ENTITLEMENTS AND RESPONSIBILITIES
Each financial member shall:
(1)    Be entitled to receive notice of, and to attend and vote at General Meetings of the Association.  Each such member shall have one (1) vote.
(2)    Ensure that particulars of his/her address for correspondence, and any changes thereto from time to time shall be advised to the Secretary.

4.4    SUBSCRIPTIONS
Subscriptions for Ordinary Members shall be paid at a rate determined from time to time by the Association at a General Meeting.  Membership fees shall fall due on the first day of each calendar year, but members joining after 1st October shall be covered for the remainder of that calendar year and all of the next calendar year.

4.5    REGISTER
(1)    A register of members shall be kept showing the name and address of all members who are financial.
(2)    The register shall be open for inspection at all reasonable times by any member upon application to the Secretary.  No copy of the register shall be supplied without the prior approval of the Executive Committee who shall be empowered to impose any conditions they consider reasonable and appropriate.

5.    EXECUTIVE
The Executive Committee shall meet where a majority of the Executive Committee decides.

5.1    AUTHORITY
The Executive of the Association, subject always to the provisions of the Associations Incorporation Act, and this Constitution shall:
(1)    Have the general control and management of the administration of the affairs, property and funds of the Association; and
(2)    Have authority to interpret the meaning of any part of this Constitution, and any matter relating to the Association on which the Constitution is silent; providing always that where this Constitution is silent on any matter the Model Rules of the Associations Incorporation Act shall apply, and where any provision of this Constitution is inconsistent with those Model Rules the Model Rules shall prevail.
(3)    Exercise all the powers of the Association; and
(4)    Provide for the safe custody of all books, documents, and instruments of title of the Association.

5.2    OFFICE BEARERS
The Executive shall consist of a President, two (2) Vice-Presidents, Secretary, Treasurer, and up to five (5) other members.  It is to be noted that under the Associations Incorporation Act the Secretary is not required to be a member of the Association.

5.2.1    DUTIES
The duties of the specified office bearers of the Executive shall be:
(1)    The President shall be the spokesperson for the Association, and, if available, chair all meetings.
(2)    The Secretary shall cause full and accurate minutes of all questions, resolutions and other proceedings of every Executive Meeting and General Meeting to be entered in a book to be open for inspection at all reasonable times by any financial member who previously applies to the Secretary for that inspection.  For the purposes of ensuring the accuracy of the recording of such minutes, the minutes of every Executive Meeting shall be signed by the Chairman of that meeting or the Chairman of the next succeeding Executive, General or Annual General Meeting.
(3)    The Treasurer shall be responsible for the keeping and maintenance of proper books of account, correctly showing the financial affairs of the Association.
(4)    The Executive Committee must ensure the safe custody of books, documents, instruments of title, and securities of the Association.

5.2.2    ELECTION
Members of the Executive shall be elected at each Annual General Meeting, and shall hold office until the date of the next Annual General Meeting.  The procedure to be adopted for the election of office bearers of the Executive shall be:
(1)    At an Annual General Meeting all members of the Executive shall retire from office, but shall be eligible for re-election.
(2)    Nomination for office, which shall be in writing, and signed by the nominee, his/her proposer and seconder shall be lodged with the Secretary at least fourteen (14) days before the Annual General Meeting.
(3)    All contested elections of office bearers shall be by secret ballot.
(4)    Should, at the commencement of such Annual General Meeting, there be insufficient numbers of candidates nominated, those nominated in accordance with Sections5.2.2 (2) shall be declared elected, and additional nominations may be taken from the floor of the meeting to fill the remaining vacancies.

5.2.3    VACANCY
The Executive has the power to appoint at any time any financial member of the Association to fill any casual vacancy as may occur on the Executive from time to time, until the Annual General Meeting.

5.2.4    RESIGNATION
Any member may resign from the Executive by giving notice in writing to the Secretary.

5.2.5    REMOVAL FROM OFFICE
Any member of the Executive may be removed from office at a General Meeting of the Association, where that member shall be given the opportunity to fully present his/her case.  The matter of removal shall be determined by a secret ballot, and there shall be no appeal against the result of the ballot.

5.3    MEETINGS
The Executive shall meet as often as necessary to conduct the business of the Association, and not less than once each two months.

5.3.1    NOTICE
Notice of regular meetings shall be given at the previous Executive Meeting.  This does not preclude the President from calling a hitherto unscheduled Executive Meeting by giving all of the Executive Committee seven (7) days written notice.

5.3.2    QUORUM
At all meetings of the Executive Committee, the quorum shall be one half of the number of members elected at the previous Annual General Meeting.  If within half an hour of the time appointed for the start of an Executive Meeting, a quorum is not present, the meeting shall be dissolved.  The Executive may function validly PROVIDED its number is not reduced below a quorum.  Should Executive numbers fall below a quorum, the remaining Executive members may act only to appoint new Executive members, or for the purpose of convening a General Meeting of the Association.

5.3.3    SPECIAL MEETINGS
A Special Meeting of the Executive may be convened by the President or any two (2) members of the Executive.  Such notice shall clearly state the reasons for convening a Special Meeting.

5.3.4    CHAIRMAN
The Chairman of all meetings (Executive, General, Special and Annual General) shall be the President, or in his absence, a Vice-President or any member elected by and from the financial members present.

5.3.5    VOTING
The Executive may meet together and regulate its proceedings as it thinks fit; PROVIDED that questions arising shall be decided in a manner consistent with this Constitution, and by a majority vote.  In the case of an equality of votes, the person in the Chair shall have a second or casting vote.

5.3.6    SUB-COMMITTEES
Sub-committees may be formed to deal with specified needs as and when they arise.  All Sub-committees must include at least one member of the Executive.

5.3.7    POWER
Any Sub-committee so formed shall exercise only these powers delegated to it by the Executive, and shall report to the Executive at each meeting of the Executive.

5.3.8    AUTHORITY
Sub-committees shall not incur debts, enter contracts or make public statements without the prior approval of the Executive.

6.    MEETINGS
There shall be three (3) classes of meetings – General, Special and Annual General Meetings.

6.1    GENERAL MEETINGS
General meetings shall be held at a time and place to be determined by the Executive.  Notice shall be given by inclusion in the Association’s newsletter.

6.1.1    NOTICE
At least fourteen (14) days’ notice of meeting and notice of motion(s) shall be given to all members; PROVIDED that notice of a Special Resolution is given twenty one (21) days before the meeting.  Notice shall be given and clearly state the business for discussion at that meeting.

6.1.2    CHAIRMAN
The President, or in his absence, a Vice-President or financial member elected from members present at that meeting shall act as Chairman, and shall conduct the meeting in a proper and orderly manner.  The Chairman shall subsequently endorse the minutes of the meeting as specified in Section 5.2.1 (2) above.

6.1.3    QUORUM
A quorum shall consist of at least ten (10) financial members in addition to at least half of the elected members of the Executive.  No business shall be conducted without a quorum, and should a quorum not be present within half an hour of the starting time set down for the meeting, the meeting shall be dissolved, and a further General Meeting shall be convened at a later date.

6.1.4    VOTING
Voting shall be by a show of hands unless a secret ballot is required or requested.  Decisions shall be made by a majority vote PROVIDED that where a matter must be decided by Special Resolution a majority of 75% of those present and eligible to vote is required.  Every financial member present shall be entitled to one (1) vote.

6.1.5    PROXY VOTES
Proxy votes will not be accepted at ordinary General Meetings.

6.1.6    SPECIAL RESOLUTION
    A Special Resolution must be passed by a General Meeting of the Association to effect the following changes:
(1)    A change in the Association’s name.
(2)    A change in the Association’s rules.
(3)    A change in the Association’s objects.
(4)    An amalgamation with another Incorporated Association.
(5)    To voluntarily wind up the Association and distribute its property.
(6)    To expel a member.

6.1.7    PROCEDURE
The following procedure shall be adopted to pass the Special Resolution.
(1)    A notice must be given to all members advising that a General Meeting is to be held to consider a Special Resolution.  This may be done via the newsletter.
(2)    The notice must give details of the proposed Special Resolution, and give at least twenty one (21) days’ notice of the meeting.
(3)    A quorum must be present at this meeting.
(4)    A majority of at least three quarters (75%) of those present, and entitled to vote must vote in favour of the resolution.

6.2    SPECIAL GENERAL MEETING
A Special General Meeting shall be convened:
(1)    When directed by the Executive.
(2)    Within two (2) months of receiving a written request to do so from at least two hundred (200) financial members of the Association.

6.2.1    BUSINESS
No business other than that for which the meeting is convened shall be dealt with at this Special General Meeting.
6.3    ANNUAL GENERAL MEETING
6.3.1    BUSINESS
Business to be transacted at each Annual General Meeting shall include:
(1)    Confirmation of the minutes of the previous Annual General Meeting, and any Special Meeting held since the date of that Annual General Meeting.
(2)    Receipt of the President’s Annual General Report.
(3)    Receipt of the Treasurer’s Annual Report.
(4)    Receipt of the Auditor’s Report for the preceding financial year.
(5)    Election of members of the Executive.
(6)    Appointment of the Auditor.
(7)    General Business as directed by the Executive.

6.3.2    PROCEDURE
The Annual General Meeting shall be conducted along the lines of General Meetings (see 6.1)

6.3.3    PROXY VOTING
Proxy Votes shall be accepted on the prescribed form by the Secretary up to seven (7) days prior to the date of the Annual General Meeting.  Each member of the Association shall be limited to exercising not more than two (2) proxy votes in addition to their own vote.  Non-members of the Association shall not be permitted to exercise proxy votes except by way of a Power of Attorney, and then only in respect of the financial member who has given them Power of Attorney.

6.3.4    POSTAL VOTING
Postal voting shall not be used to determine any Association business.

7.    BRANCHES
Branches shall be recognized where ten (10) or more members of the Association in a location in Queensland seek approval by the Executive.

7.1    RULES
All Branches shall abide by the Constitution of the Association, but shall be independent and autonomous organizations.

7.2    NAME OF BRANCH
All Branches shall retain the name “The Association of Queensland Retirement Villages”, and shall add “Branch” to the name of the Association.

7.3    MEETINGS
Branches may hold regular meetings, keep proper minutes, and financial records, and preserve the goodwill of the Association’s name.

7.4    BRANCH MEETINGS
Branches shall not speak on behalf of or purport to express the view of the Association without the prior written approval of the Executive Committee.  Branches may speak on their own behalf.

7.5    SUBSCRIPTIONS
Branches may collect contributions for their own purposes IN ADDITION to the annual subscriptions at the prescribed rates as determined by the Executive Committee from time to time.

7.6    TERMINATING BRANCHES
Branches shall not be dissolved, disbanded or terminated except by a resolution of the Branch itself or by a Special Resolution at a General Meeting of the Association called for that purpose.

8.    GENERAL
8.1    ALTERATION TO THE CONSTITUTION
Subject to the provisions of the Associations Incorporation Act, these rules may be amended, rescinded or added to from time to time by a Special Resolution carried at a General Meeting; PROVIDED that no such amendment, rescission or addition shall be valid unless the same shall have been previously submitted to, and is registered by the Chief Executive Officer of the Department of Tourism, Racing and Fair Trading.

8.2    VOLUNTARY WINDING-UP
The Association may be wound up by a Special Resolution of the members at any General Meeting; PROVIDED that a quorum can be assembled.  If it is not possible to assemble a quorum, the winding-up shall proceed in accordance with the provisions of the Associations Incorporation Act 1981.

8.2.1    DISTRIBUTION OF ASSETS
If the Association shall be wound up, voluntarily or otherwise, in accordance with the provisions of the Associations Incorporations Act 1981, and there remains, after satisfaction of all its debts and liabilities, any property whatsoever, the same shall not be paid to or distributed amongst the members of the Association, but shall be given or transferred to some other institution or institutions having objects similar to the objects of the Association, such institution or institutions, to be determined by the members of the Association.

8.3    FUNDS AND ACCOUNTS
The funds and accounts shall be governed by the following rules:
8.3.1    BANK
The Treasurer shall open and maintain an account with the Commonwealth Bank of Australia in the Association’s name, and all Association income shall be deposited in the bank as soon as practicable after receipt.
8.3.2    USE OF ASSOCIATION FUNDS
The income and property of the Association must be used solely in promoting the Association’s Objects, and exercising the Association’s powers.  No portion shall be paid to any member by way of profit or salary, PROVIDED that out-of-pocket expenses advanced by a member to the Association shall be refunded to that member following approval by the Executive Committee.

8.4    PAYMENTS
A negotiable instrument issued by the Association by any TWO of the following Association members:
(a) President, (b) Secretary, (c) Treasurer and (d) another member approved by the Association’s Executive Committee.  All cheques shall be crossed “not negotiable”.

8.4.1    RATIFICATION
All expenditure shall be approved and ratified at an Executive Meeting; PROVIDED that all expenditure in excess of $500 shall be authorized in advance by the Executive or at a General Meeting.

    8.4.2    FINANCIAL YEAR
The financial year of the Association shall close on 30th June in each year.

    8.4.3    STATEMENTS
As soon as practicable after the end of each financial year the Treasurer shall cause to be prepared a statement containing the particulars of:
(1)    The income and expenditure for the financial year just ended, and
(2)    The assets and liabilities of the Association at the close of that year.

    8.4.4    AUDIT
All such statements shall be examined by the Auditor who shall present his report upon such audit to the Secretary prior to the holding of the Annual General Meeting next following the financial year in respect of which such audit was made.

8.5    COMMON SEAL
The Executive Committee must ensure the Association has a Common Seal.
8.5.1    The Common Seal must be kept securely by the Executive Committee.
8.5.2    The Common Seal shall only be used with the authority of the Executive Committee.

8.6    SIGNATORIES
Every instrument to which the Common Seal is affixed shall be signed by the Secretary, and one other member of the Executive Committee.

CERTIFICATE

Dear Client
THE ASSOCIATION OF RESIDENTS OF QUEENSLAND RETIREMENT VILLAGES INC.
THE SECRETARY
VILLA 18, MONTEREY
58 FURNESS DRIVE
TEWANTIN QLD 4565
Contact Officer: PATRICIA MOXON Telephone 3119 0275

15 October 2004

Registration of Amendment of Rules
THE ASSOCIATION OF RESIDENTS OF QUEENSLAND RETIREMENT VILLAGES INC.
Incorporation Number: 1A11602 Document Number: 2736044
In accordance with the Associations of Incorporation Act 1981 the amendment of the rules passed on 17th July 2003 & 27th September 2004 has been registered on the date hereof.

Should you require any further information or assistance in relation to this matter, please phone the Contact Officer on the number shown above.

Yours faithfully
ADMINISTRATIVE OFFICER - OFFICE OF FAIR TRADING