Information in this packet explains payment options and outlines financial options as you plan your retirement living at Kidron Bethel Village.

The first step is understanding the difference between owning your own home versus living at Kidron Bethel Village with an occupancy agreement, and weighing the advantages for your lifestyle.

What is the difference between traditional home ownership and a Kidron Bethel Village occupancy agreement?

A resident occupancy agreement is a payment and refund agreement that is chosen by you. It is Kidron Bethel Village, not you, who is responsible for maintenance, repairs, upkeep, homeowners insurance and other expenses that are involved with traditional home ownership. Your occupancy agreement gives you the peace of mind and financial certainty of knowing your exact refund at any given time.

What steps and costs are involved in moving to Kidron Bethel Village?

Application fee: If Kidron Bethel Village or any Bluestem community is a possibility in your future,we encourage you to submit an application and $50 fee. This first step places you on theIndependent living wait list according to your application date.

Entrance fee: After you select your home, the entrance fee is paid with a signed contract andKidron Bethel begins preparing your chosen home according to your preferences and the standardplan of refurbishment. Entrance fees vary on the neighborhood and features of the home.

Resident occupancy agreement: When choosing your home, you also will select the residentoccupancy agreement that best suits your personal and financial priorities. This agreementguarantees your payment and refund schedule. Your choices are outlined on the following pages.The resident occupancy payment is due at closing.

Monthly service fee: After closing, you will be responsible for the monthly service fee and the utili-ties not included in the monthly service fee. Common utilities not included in the monthly service feeare gas, electric, cable TV, and internet. See the following page for included services.

Refund: When you vacate your home at Kidron Bethel Village, your refund will be determined bythe amortization schedule you chose and the amount of time you lived in your home.

Independent Living pricing overview

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MUNICIPAL FEE

A City of North Newton fee assessed each month at a rate determined annually by the City.

TOTAL MONTHLY FEE PER UNIT

Total monthly fee is based upon current economic conditions, services

provided, operating costs and tax assessment. Monthly fee reviewed annually.

Snow Removal

Bethel College Activity Pass

Admission to Life Enrichment,athletic, drama and musical events.

Utilities:

Sewer, refuse, water(resident pays all other utilities)

On-campus amenities

North Newton Wellness Center Harvest Table dining Chapel and chaplain Priority listing for Assisted Living and Health Care services Private reservation of common areas for events and gatherings Home oversight while you are away for extended periods Enrichment opportunities Midland National Bank, branch on campus Woodworking shop

Transitions support program

30 days of home transition support following a hospitalization or short-term rehab stay

Maintenance, repair, replacement as needed

Routine preventive maintenance plan for the quality of your home Roof, building, doors, windows, kitchen appliances, plumbing, HVAC, water heater and

electrical, driveway and sidewalk concrete Maintenance and repair work completed by experienced and trustworthy personnel

Lawn care

Tree, shrub and lawn maintenance,pest control, irrigation, fertilizing

Routine edging, trimming and mowingof all campus areas

Community garden plot

Property structure insurance

Monthly service fee benefits

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Rates as of January 1, 2020 Pricing and service fees are reviewed annually; subject to change.

Entrance fee Village Heights: $3,950 Entrance fee 400 Building: $4,950 Not toward purchase, nonrefundable

Resident Occupancy Payments

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Payment Options

Option A 90/50% refund

Option B 80/30% refund

Rental* Monthly Service

Fee

Village Heights Apartments

1 bed, 1 bath– 723 sq. ft. $69,950 $59,950 $700 $585

2 bed, 1 bath– 848 sq. ft. $82,950 $70,950 $830 $585

2 bed, 2 bath– 982 sq. ft. $94,950 $81,950 $950 $595

3 bed, 2 bath– 1,440 sq. ft. $120,950 $102,950 $1,210 $595

Carports & storage units available on a separate monthly rental arrangement.

Carport & 10x10 storage unit: $60

10x10 storage unit only: $18

North Newton municipal fee: (set annually by the city)

$19.83

400 Building

2 bed, 2 bath– 1,080 sq. ft. $129,950 $110,950 $1,300 $611

Carport & storage unit included

North Newton municipal fee: (set annually by the city)

$31.06

* Three month’s rent is due at closing as a security deposit. Up to the last 6 month’s rent can be applied tothe purchase price if converting to a purchase agreement.

Rates as of January 1, 2020. Pricing and service fees are reviewed annually; subject to change.

Option A Option B

90/50% 80/30%

YEAR REFUND REFUND

Refund Schedules

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Within 1st year 90% 80%

After 1 full year 87% 70%

After 2 full years 84% 65%

After 3 full years 81% 60%

After 4 full years 78% 55%

After 5 full years 75% 50%

After 6 full years 72% 45%

After 7 full years 69% 40%

After 8 full years 66% 35%

After 9 full years 63% 30%

After 10 full years 61% 30%

After 11 full years 58% 30%

After 12 full years 55% 30%

After 13 full years 52% 30%

After 14 full years 51% 30%

All subsequent years 50% 30%

Notes:

Payment Options

Option A Option B Rental* Monthly Service

Fee

Townhome I Duplexes*

2 bed, 1 bath– 1,050 sq. ft. $107,950 $92,950 $1,080 $611

2 bed, 2 bath– 1,200 sq. ft. $129,950 $110,950 $1,300 $611

2 bed, 2 bath with basement- 1,010 sq. ft. on main floor

$140,950 $119,950 $1,410 $611

2 bed, 2 bath with expanded living room or sunroom– 1,350 sq. ft.

$144,950 $125,950 $1,450 $611

North Newton municipal fee: (set annually by the city)

$31.06

*Townhome Options: Townhome I occupancy payments will be adjusted based on the followinghome features:

Den (in garage): $7,450

Covered Patio: $4,950

Townhome II Duplexes

2 bed, 2 bath– 1,220 sq. ft. $132,950 $113,950 $1,330 $611

2 bed, 2 bath with expanded living room or sunroom– 1,373 sq. ft.

$148,950 $127,950 $1,490 $611

North Newton municipal fee: (set annually by the city)

$31.06

* Three month’s rent is due at closing as a security deposit. Up to the last 6 month’s rent can be applied to thepurchase price if converting to a purchase agreement.

Single-car attached garages are included with all Townhomes.

Resident Occupancy Payments

Standard Entrance fee: $4,950 per unit Creek Side Entrance fee: $6,950 per unit Not toward purchase, nonrefundable

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Rates as of January 1, 2020. Pricing and service fees are reviewed annually; subject to change.

$5,950

$3,950

Rates as of January 1, 2020. Pricing and service fees are reviewed annually; subject to change.

Option A Option B

90/50% 80/30%

YEAR REFUND REFUND

Refund Schedules

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Within 1st year 90% 80%

After 1 full year 87% 70%

After 2 full years 84% 65%

After 3 full years 81% 60%

After 4 full years 78% 55%

After 5 full years 75% 50%

After 6 full years 72% 45%

After 7 full years 69% 40%

After 8 full years 66% 35%

After 9 full years 63% 30%

After 10 full years 61% 30%

After 11 full years 58% 30%

After 12 full years 55% 30%

After 13 full years 52% 30%

After 14 full years 51% 30%

All subsequent years 50% 30%

Notes:

Rates as of January 1, 2020. Pricing and service fees are reviewed annually; subject to change.

Resident Occupancy Payments

Campus Woods Estates

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Purchase Options

Option A 90/50% Refund

Option B 80/30% Refund

Rental* Monthly

Service Fee

Existing Homes

New Construction

Existing Homes

Redbud Floor Plan 1,250 sq. ft.

$209,950 $219,950 n/a $2,100 $700

Birch Floor Plan 1,488 sq. ft.

$227,950 See sales staff $205,950 $2,280 $700

Ash Floor Plan 1502 sq. ft.

$223,950 n/a $201,950 $2,240 $700

Maple Floor Plan 1,524 sq. ft.

$226,950 n/a $204,950 $2,270 $700

Walnut Floor Plan 1,642 sq. ft.

$230,950 $285,950 $207,950 $2,310 $700

Oak Floor Plan 1,665 sq. ft.

$233,950 $289,950 $210,950 $2,340 $700

North Newton municipal fee: (set annually by the city)

$31.06

CWE occupancy payments for existing homes will be adjusted based on the following refundable home features**:

$9,450

$18,450

Existing home entrance fee: $6,950 per unit New Construction Redbud entrance fee: $10,950 per unit New Construction Walnut/Oak entrance fee: $12,950 per unit not toward purchase, nonrefundable

Sunroom $10,950

Bonus Room $19,950

Bonus Room w/ 1/2 bath $22,950

Bonus Room w/ 3/4 bath $25,950

* Three month’s rent is due at closing as a security deposit.Up to the last 6 month’s rent can be applied to the purchase

price if converting to a purchase agreement. Rental agreements not available on new construction agreements.

**See sales staff for current new construction rates.

$21,450

$24,450

Option A Option B

90/50% 80/30%

YEAR REFUND REFUND

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Rates as of January 1, 2020. Pricing and service fees are reviewed annually; subject to change.

Refund Schedules

Notes:

Within 1st year 90% 80%

After 1 full year 87% 70%

After 2 full years 84% 65%

After 3 full years 81% 60%

After 4 full years 78% 55%

After 5 full years 75% 50%

After 6 full years 72% 45%

After 7 full years 69% 40%

After 8 full years 66% 35%

After 9 full years 63% 30%

After 10 full years 61% 30%

After 11 full years 58% 30%

After 12 full years 55% 30%

After 13 full years 52% 30%

After 14 full years 51% 30%

All subsequent years 50% 30%

Home Ownership Annual Monthly

Lawncare and snow removal

Yard fertility program and irrigation system maintenance

City utilities

Water, 12-month average

Sewer, 12-month average

Trash

Wellness Center membership (senior rate for couples)

Home repairs budget– how do you budget for these costs?

Pest control quarterly (exterior application)

Homeowners’ insurance

Special assessments (if applicable)

HOA dues (if applicable)

Property Taxes

Electric Bill

Gas Bill

TOTAL EXPENSES

Kidron Bethel Village

Monthly service fee

Electric bill

Gas bill

Cable, Internet and Telephone bill

Personal belongings insurance policy

North Newton Municipal Fee

TOTAL EXPENSES

Monthly expense comparisonMonthly expense comparisonMonthly expense comparison

Consider these costs, in your current budget, in comparison to your budget on our campus.

Your Current Budget

Notes:

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Wellness Center and Other Services

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On-campus North Newton Wellness Center membership included as a resident benefit.

State-of-the-art fitness equipment

Arthritis Foundation-certified exercise and aquatics programs

A variety of exercise classes

Pool (salt water) and hot tub

Reciprocal membership with Bluestem Wellness Center in Hesston

For your convenience, other on-campus services are

available at additional cost:

Harvest Table

Serving delicious, nutritious home-style meals daily, including noon

buffet. All residents receive a Bluestem Advantage dining card for

a discount at all Bluestem dining facilities. Ask your sales person for

details about other dining discount options.

Harvest Grounds

Purchase ready-to-go snacks, salads, sandwiches and beverages.

Enjoy a cup of coffee at no charge.

MyMaid professional housekeeping service

Hair Salon

Massage Therapy

PT, OT and Speech Therapies