, The increasingly
significant segment of Florida's population who live in condominium, homeowner
and other common-ownership living associations statewide appear to be getting
younger, staying in the state longer, working harder, actively informing
themselves about issues that impact their communities and are generally
supportive of the peers they elect to handle their finances and run their
associations.8% favoring a measure of compassion for "hardship exceptions as needed";
* Even greater support of strong enforcement is seen among condo unit
owners (98. More than
a quarter of respondents (25.com .

governed cooperatives

In each of the grant's three years, the Neighborworks(R) "Train
the Trainer" course will be offered in four markets where Citibank has
a retail banking presence . Citibank's Community Relations and Community Mortgage teams
also have developed comprehensive homeownership programs with many NWA
affiliates and provided Board and advisory committees service and
in-kind donations of space and volunteers.associaonline.

advocates administers

NWA's "Train-the-Trainer" course is the only national ,
HUD-recognized homeownership counseling certification course for
non-profit organizations in the country. Berger,
a Becker + Poliakoff shareholder and community association attorney, who has
counseled South Florida community associations for the past 12 years.

Key responses to questions on community financial issues and board
performance showed:

* Fully three-quarters (75%) say they are "extremely concerned" about
keeping the association budget balanced, with 64% also eyeing reserves and
special assessments as issues of extreme concern;
* Just as many (74. Associa has established a
variety of national discount purchasing programs in insurance, utilities and
telecommunications, which afford clients products and services of the highest
quality at the most competitive prices. They also make available to each of
their associations a personalized web site that allows associations' residents
access to a wealth of online services including interactive community
calendars, board and committee discussion groups, access to association
documents and much more.

cooperatives governed

The training helps non-profit organizations meet some of the
eligibility requirements to become qualified as HUD-Approved Housing
Counseling Agencies, which enables them to access support from HUD
Housing Counseling Funds. In 2004, Citibank participated in NWW in 13 cities and
presented 13 NeighborWorks(R) affiliates with grants of $20,000 from
the Citigroup Foundation to support their ongoing work in the
community.

About the Community Association Leadership Lobby (CALL )
The Community Association Leadership Lobby is the leading organization
working to enhance the quality of life and protect property values for
Florida's community association residents., Revel + Underwood, LLC, an
Accredited Management Organization, has joined with Associa(R), the nationally
recognized leader in the community association management industry.

cmca administers

Results of the second annual CALL 2005 Florida Community Living Survey,
conducted online statewide from Oct.

Key findings of this second annual CALL 2005 Florida Community Living
Survey include:

* Insurance affordability and availability is of extreme concern for 69%
of all owners statewide , while 45.5%) and liens against property or foreclosure (67. Revel +
Underwood is an Indianapolis area leader and was founded in 1973.com or
call (317) 684-3333.com
http://www.

interaction condominium

"By increasing the quality and
availability of homebuyer education and counseling nationwide, NCHEC
will empower consumers to make informed financial decisions.4% because they find it of "no value .

maintain condo

Business Editors

NEW YORK----

NeighborWorks(R) America Estimates That Grant Will Result
in 14,650 New Homeowners Over the Next Three Years

Citibank today presented a $750,000 grant from the Citigroup
Foundation to NeighborWorks(R) America (formerly Neighborhood
Reinvestment Corporation) in support of its NeighborWorks(R) Center
for Homeownership Education and Counseling (NCHEC) program. 30, show new trends in the
concerns, attitudes and lifestyle choices of this increasingly important
segment of Florida's population.2% of the total 1,299
responses , as compared to 51.6%) say they have never served on any association
board, also down from last year (31.
For more information on Revel + Underwood, please visit http://www.

managers homeowners

Those completing the course
can develop, manage and implement homeownership education and
counseling programs at their individual organizations using a
time-tested curriculum that was developed by NWA's homeownership
experts.

4%) in 2004.
Revel + Underwood has managed many diverse types of portfolios over the
past 33 years adapting to market change and client demands as they occur.
Of the announcement, Jane Scully, VP of Marketing or Revel + Underwood,
said, "I am excited about the advantages the Associa affiliation will afford
our clients as well as our employees.revelu.

neighborhood condo

This
generous support from Citigroup will help us empower and educate more
practitioners who will help consumers to become successful
homeowners.2%) feel their board members "are
responsive to the community " -- with a solid two-thirds majority of non-board
members (69%) saying the same.Associa Is a Nationally Recognized Leader in the Industry With Over 50 Offices
Across the US

FISHERS, Ind. For more information, please
visit http://www.

associations administers

Since 2003, Citibank , with support from the Citigroup Foundation, has
been the only financial institution to make this training available in
local markets to NeighborWorks America affiliates, such as
Neighborhood Housing Services of New York City, and other nonprofit
organizations.
NCHEC is housed within NeighborWorks (R) America's Training
Division and serves as the training and certification arm for
homebuyer education and counseling nationwide.

On enforcement of rules, regulations and governing documents:

* There is overwhelming support (96.

The percentage of survey respondents who currently serve on their
association's board of directors declined in 2005 to 48. The company
is affiliated with numerous organizations in the industry including: Institute
of Real Estate Management (IREM), Accredited Management Organization (AMO),
Community Associations Institute (CAI) and many others.associaonline.

advantages condominium

Citigroup
is proud to support NCHEC and to continue to partner with
NeighborWorks (R) America to bring "Train-the-Trainer" courses to
communities where they are most needed. In addition , the Citigroup Foundation will
sponsor 50 scholarships for staff members of nonprofit organizations
so they can attend one of the five Neighborworks(R) Training
Institutes (NTIs) offered each year .6% in 2004 to 27% in 2005, while those
who work from home at least a few hours per week is up from 21.

administers advantages

"
"The need for homeownership counseling and education has never
been greater," said Ken Wade , CEO of NeighborWorks(R) America.6% in 2004 to
31% in 2005; and,
* Condo and HOA owners are increasingly "wired" -- after newspaper
articles, more than half (51.com .

advocates associations

Maura
Markus, President of the Citibank Retail Distribution Group, presented
the check to Ken Wade, Chief Executive Officer of NeighborWorks(R)
America, at an event honoring 30 representatives from New York City
non-profit organizations, who just completed the intensive week-long
training.9% say they don't significantly rely on
their association for catastrophic storm preparations -- an attitude that is
more pronounced among HOA owners (70%), less so among condo unit owners (35%);
* Only a quarter of the state 's community association population fits the
"snow bird" category, with fully three-quarters living at least seven months
of the year in their Florida home and a full two-thirds claiming full-time
residence of 10-12 months annually;
* In tandem with the percentage of full-time residents , the percentage of
those employed full-time is up from 22.
"The 2005 survey confirms some trends first noted last year, brings to
light other information and answers many pending questions about Floridians
living in community associations, giving civic, business and community
association leaders the opportunity to listen, learn and better serve this
increasingly important and vocal group of Florida citizens," said Ms.

Sites for specific homeowner associations are listing in the appropriate Regional category, according to their location.

condo administers

2 million to NeighborWorks(R) America and its chartered
members. Results of the
survey can be seen in a summary port posted to the website of the Community
Association Leadership Lobby at http://www.callbp. With offices all across North
America, Associa is the largest company in the United States devoted
exclusively to the management of community associations, representing
thousands of communities from coast to coast.

Category contains sites that deal with homeowners associations, including advantages and disadvantages, as well as general topics.

associations developments

Citibank Presents $750 000 Grant to NeighborWorks America for Homebuyer Education and Counseling - NCHEC - Program

More information on the Community Association Leadership Lobby can be found at
http://www.com .

neighborhood advantages

NCHEC's overall goal is
to increase the number of homeownership counselors and educators
trained and certified by NWA from 700 to more than 2,000 per year;
thereby aiming to ensure the education and counseling of more than 2
million individuals by 2007.3% also
support fines and at least two-third support additional enforcement measures
of lawsuits (69.2% of the total 751 responses in 2004.callbp. The available resources will be greatly
expanded enabling us to better serve, retain and attract clients.

Founded in 1979, Associa is America's leading community association
management and developer services company.

developments boardmembers

"NeighborWorks(R) America's long track record as a leader in
offering effective homeownership education and counseling makes our
partnership with them a natural, enabling us to strengthen our
commitment to help low- and moderate-income individuals and families
achieve the dream of homeownership," said Maura Markus, President of
the Citibank Retail Distribution Group.1%
say they never check their association website, most because no site exists,
but for 10. Berger, in announcing
the results.3%), while across all types of associations 93.
The margin of error for the total sample of the CALL 2005 Florida
Community Living Survey is +/- 3% at the 95% confidence level.

managers associations

Over the next three-years, the Citigroup Foundation grant will help
train approximately 570 counselors who will counsel an estimated
102,600 potential homebuyers annually, of which one in seven,
according to NeighborWorks(R) America's statistics, or 14,650, will
become homeowners."
Joining the more than 35 other Associa Member Companies means that Revel +
Underwood and the communities they serve will be able to participate in many
of the benefits and features offered by Associa.

finances maintain

"Train the
Trainer" homebuyer education and counseling courses are offered four
times each year during Neighborworks(R) Training Institutes (NTIs).
Respondents to the survey expressed concern over insurance-related issues
and a general ambivalence toward seeking association help in preparation for
catastrophic storms, while community financial matters and board -member
integrity, maintenance of their communities and enforcement of standards,
rules and regulations are among issues that they say concern them most.7% feel warning letters should be sent to fellow owners who do
not comply with rules, regulations and government documents, while 78.

boardmembers echo

NeighborWorks(R) America (NWA), an industry leader in
homeownership education and counseling training, launched NCHEC to
help address the growing demand for training, standards, and
certifications within the homebuyer education and counseling industry. HOA property owner respondents
grew in real terms from 238 last year to total 370 in the 2005 Survey, while
owners of cooperative, mobile home, condo hotel and timeshare property
combined amounted to just 7% of the 2005 total.
"We are extremely pleased at the sizeable growth in the response to the
CALL 2005 Survey, the result of community association residents increasingly
wanting to make their voices heard and of CALL's concerted effort to include
as many Florida community association property owners as possible in this
year's survey," said CALL Executive Director Donna D.2%) for "strong enforcement," with
51.

homeowners developments

1-Nov.9%) give their association boards a favorable approval
rating on handling of association finances; and,
* An even greater percentage (77.2%).com

disadvantages homeowner

CALL 2005 Survey Shows Florida Condo HOA Population Now Year-Round Trending Younger Working More + Supportive of Boards

1% consult the Internet -- though 68. CALL advocates on behalf of more
than 4,000 member communities, including condominiums, homeowners'
associations , mobile home communities and cooperatives throughout the state.
Revel has a diverse mix of people -- some of who have been with the company
for over twenty years -- coupled with new enthusiastic staff members.

advocates assisting

"
Neighborworks(R) America is the nation's largest certifier of
homeownership and financial educators and counselors.
Sponsored by the Community Association Leadership Lobby (CALL), an
advocacy group established in 2003 by Florida-based law firm Becker +
Poliakoff to advance the shared interests of the state's common-ownership
community associations, the 2005 CALL survey response increased by 73% as
compared to 2004, with a total of 1,299 condominium, cooperative, timeshare ,
mobile home and homeowner association members responding in 2005 to the
survey.6% of non-board
members say they favor strong enforcement;
* Fully 93.7%).

Revel and Underwood Joins Associa (R)

This
group includes licensed real estate brokers and salesmen, Certified Property
Managers , and Certified Public Accountants.

finances associations

Response to Annual Florida Community Living Survey Jumps 73%; Insurance ,
Financial Issues, Enforcement Chief Among Property Owner Attitudes, Concerns

FORT LAUDERDALE , Fla. As
with any service organization, talented and committed staff is essential. 5568
(214) 953-1886
bmadigan@associaonline.

maintain homeowner

"Federal and state policies are aggressively promoting homeownership,
mortgages are becoming increasingly complex and risky, personal debt
is rising, and stubborn homeownership and wealth gaps persist.
Since 2003, the Citigroup Foundation has made grants totaling
close to $1. At the local level, Citibank's Community Relations team has
been a major supporter of NeighborWorks(R) Week (NWW), a week-long
program of activities and events that support community
revitalization.3%) said they get information about community
association issues via e-mail and 39."

Condominium ownership was the majority form of ownership shown in the
survey, with response from 802 condo unit owners, or 63.6% of the total -- up
from 415 condo owner responses (60.

Contact: Brandy Madigan
Associa(R) Corporate HQ
(214) 953-3009 ext.