B o a rd o f D i re c t o rs

The Kipling Kronicle April/May 2013 Bringing the latest news to our evolving Kipling Community S p e c i a l p o i n t s o f i n - t e r e s t : Lake Chaminwood Preserve Crime-proof tips Spring Vendor Fair Pool Opening Summer Karate Program The Truth about Thieves I n s i d e t h i s i s s u e : Board Meetings 2 Board Announcements 3 President s Letter 3 Neighborhood News 4 Clubhouse Updates 5 Community Interest 6 Announcements and Reminders 8

Page 2 B o a rd o f D i re c t o rs Kipling Estates Homeowners Association Board of Directors President Bob Bradley Devonshire President Vice President Frank Zimmerle Galway Secretary Sue Olson Galway President Treasurer Patti McGrath Saint Andrews Estates President Landscaping Director Linda Ramlot Butterfield Ridge President Director Cathy Zwirblis The Townes President Rules and Regulations Director Nancy Erwin Courtyards of Kipling President Director Jeanne Eggert Englewood Pointe President Ad Hoc Director Chrissy Kuehl Callaway Glen President All Board members can be reached through the Clubhouse 815-725-9922. Kipling Estates Clubhouse Contacts Clubhouse Manager Diane Gallico 815-725-9922 dianeg@kiplingcommunity.com Communications Manager Brenna Joyce 815-725-9922 Administrative Assistant Cathy Miller 815-725-9922 cathym@kiplingcommunity.com Clubhouse Staff Betty Presley 815-725-9922 bettyp@kiplingcommunity.com Clubhouse Staff Terri Lanzisero 815-725-9922 Clubhouse Staff Maria Koss 815-725-9922 Handyman Dave Jaral Board Meetings - All take place in the Kipling Clubhouse KEHA Master Board June 5, 2013 7:00 PM - Annual meeting July 17, 2013-7:00 PM September 18, 2013-7:00 PM November 20, 2013-7:00 PM Englewood Pointe April 30, 2013-7:00 PM August 13, 2013-7:00 PM November 5, 2013-7:00 PM Devonshire May 7, 2013-6:30 PM - Annual meeting July 16, 2013-6:30 PM September 17, 2013-6:30 PM November 12, 2013-6:30 PM St. Andrews Estates May 21, 2013-6:30 PM - Annual Meeting Butterfield Ridge May 7, 2013-6:30 PM - Annual meeting July 16, 2013-6:30 PM September 17, 2013-6:30 PM November 12, 2013-6:30 PM Callaway Glen June 10, 2013-7:00 PM September 23, 2013-7:00 PM November 25, 2013-7:00 PM Galway May 22, 2013-7:00 PM Annual Meeting The Townes June 12, 2013-7:00 PM September 12, 2013-7:00 PM December 4, 2013-7:00 PM Annual Meeting Architectural Meetings The meetings will be at 6:30 PM 4/9/13, 4/23/13, 5/7/13, 5/21/13, 6/11/13, 6/25/13, 7/9/13, 7/23/13, 8/6/13, 8/20/13, 9/3/13, 9/17/13, 10/1/13, 10/15/13, 10/29/13 and 11/12/13 All meetings take place in the Kipling clubhouse at 850 Wynstone Drive.

B o a rd o f D i re c t o r s B u s i n e s s Page 3 Letter From the President Dear Kipling Residents, This is my annual appeal for residents to get involved in their neighborhood homeowner s association. Again let me state, No matter how many times we write about this subject, nothing seems to change. We get the same people over and over again. Being a board member on your neighborhood association is not very time consuming. It involves a few meetings, possibly some emails or phone calls. Only the president of each neighborhood spends additional time working with the master board. Let me repeat an old saying - If we always do what we always did, we always get what we always got. New board members have different thoughts and I believe that is very healthy for our neighborhoods. Many of our neighborhood associations will be holding board elections in the next few months. I don t know all the schedules but I do know that they are always looking for new input. I m not sure how many officers will be needed for each neighborhood; many of them rotate their terms. But I would encourage new people to get involved. Check with your current president to see what board positions might be available. Bob Bradley February 2013 Financial Summary February 2013 Income $ 8,292.64 February 2013 Expenses $ 28,335.50 YTD Income though 2/28/13 $ 83,306.82 YTD Expenses through 2/28/13 $ 51,794.07 Reserve deposits as of 2/28/13 $ 8,632.00 Account Balances as of 2/28/13 Operating Accounts Leaders Bank Operating Account $ 42,311.94 Standard Bank MM Capital Expenditure Account $ 43,759.21 $ 86,071.15 Reserve Accounts Leaders Reserve Money Market $ 61,891.91 Leaders CD 10/26/12 $ 52,109.65 Leaders CD 9/21/12 $ 26,850.74 Leaders CD 10/1/12 $ 51,271.62 Standard Bank CD 11/21/12 $ 58,986.99 Standard Bank Reserve Money Market account $ 54,780.65 305,891.56 Total Account Balances as of 2/28/13 $ 391,962.71 Accounts Recievable as of 2/28/13 $ 82,648.05 Accounts Payable as of 2/28/13 $ 1,864.05 $ Property Contact Numbers First Management Solution (Townes) Bay Property Services, Inc. (Devonshire) Hillcrest Property Management (Englewood Point) Hillcrest Property Management (Courtyards) 815-834-4308 708-974-4900 630-627-3303 630-627-3303 Waste Management 800-796-9696 Vacation Home Lookouts The Vacation Home Lookout is a free service offered by the Shorewood Police Department. Residents can complete a Vacation Home Lookout form which allows the police department to collect necessary information so that officers may know the circumstances at the residence and whom to contact in the event of a problem. If requested, an officer can check the exterior of the residence. Please be aware that this service is based on availability. The vacation home lookout service is for residences only and requests cannot be made for more than 30 days. This service is not intended for unoccupied residences or businesses. Forms are available at the Shorewood Police Department or, you can complete one online.

Page 4 N e i g h b o r h o o d N ew s Lake Chaminwood Preserve lakes. Catch and release fishing is encouraged. There is also a canoe/kayak launch and no launch pass is required. All persons in a canoe or kayak must wear a personal flotation device at all times. The preserve allows for the launch of small fishing boats, and there is no launch fee or District permit required. However, only watercraft that can be carried on top of a vehicle is permitted. There is no boat trailer parking at the preserve. Lake Chaminwood Preserve: The new twolake, 120-acre preserve, named for the nearby towns of Channahon, Minooka and Shorewood, features a.69-mile loop trail, shoreline fishing and boating for canoes and kayaks. Small boats with electric trolling motors are allowed if they are brought in by truck. No trailer parking is available. Opens at 6 a.m. Friday. Located off Shepley Road west of the Interstate 55 frontage road in Troy Township. The 120-acre Lake Chaminwood Preserve was acquired between 2000 and 2011. The preserve is part of the DuPage River preservation system, which conserves more than 1,500 acres of land. Prior to the District s acquisition of the land, its two lakes were created and used for quarrying. Lake Chaminwood Preserve protects a 35- acre lake, a 12-acre lake, and a portion of the DuPage River with associated wetland habitat. It also features 0.69 mile of paved trail, ideal for many activities including biking, hiking, running, in-line skating, cross-country skiing, and snowshoeing. The preserve offers one picnic shelter for groups of less than 25 people. The shelter is not available for rental. The preserve also offers access to shoreline fishing on the two Crime-proof outside areas Lighting is one of the most cost-effective deterrents to burglary. Keep yard, porch, garage doors, pathways and entrances well lit at night. Consider motion detecting lights which turn on automatically as someone approaches. Trim plants and shrubs that could serve as hiding places for criminals. Cut back tree limbs that could help thieves climb into windows Consider light timers for exterior lighting to establish a routine and appearance of occupancy.

C l u b h o u s e U p d at e s Fro m D i a n e Page 5 Pool Opening Woo Hoo! The Pool will open on Saturday, May 25, 2013 at 10:00 am! Kipling Resident Kids will receive a free kite on Opening Day of the pool, while supplies last in celebration of the season. For Sale The clubhouse is selling the pool chairs to make way for new chairs. The lounge chairs are $3.00 - $5.00 each and the straight back chairs are $3.00 each while they last. Spring Vendor Fair Saturday, March 16, Kipling Clubhouse hosted a Spring Vendor Fair. It was a great time for residents to come out and meet their neighbors and support their community. Free raffles were offered. Winners were Linda Morack, Liz Christ, Susan Semrov, and Jackie Morris. Some of the vendors present were: Pampered Chef, Tastefully Simple, Origami Jewelry, Graceful Creations, 31 Sweets & Treats, Adrianna s Cakes, and more Free refreshments were served, it was a fun day for all. Look for another to be held this summer. Something for the entire family! Some of our winners of the free raffles that were offered (Photographs on bottom pg.6) Linda Morack won a floral arrangement Liz Christ won a 31 basket Susan Semrov won a sweet treat & jewelry basket Jackie Morris won a Tastefully Simple & Pampered Chef Basket We want to hear your suggestions for activities at the clubhouse. Give us a call or stop in and let us know what kind of activities you would like to have. Clubhouse Classes Water Aerobics will once again be offered! Certified instructor, Tara Wilhelm, will be leading Classes on Monday and Friday mornings at 9:15 am until 10:00 am. Tuesday and Thursday evenings at 7:15 pm until 8:00 pm $5.00 per class. Tara teaches at LA Fitness, and is certified in yoga. Tara is also willing to have regular exercise classes here at the clubhouse if there is interest from our residents. If interested, please call the clubhouse and let us know. Fit for Free P90X Free Fitness Club P90X, Insanity, Turbo Fire and more. Instructor Adam Underhill would like to introduce you to some serious workouts. Call the clubhouse for dates and times, (815) 725-9922. Karate Class Karate Classes held each Tuesday afternoon from 4:30 5:30 Contact Sensei Thomas at (815) 351-1923. Summer Classes added to the schedule for your convenience. Tennis Anyone? The tennis Court will open April 1st. Tennis lessons will again be offered thru Ed Kretz. Session 1 will be June 10-14, 9:00am - 10:30am and session 2 will be June 24 28. Cost is $25.00 for the week. Call Ed at (815) 725-6963, or the clubhouse. The Clubhouse will be closed on Sunday, May 12th. Mother s Day

Page 6 C o m mu n i t y I n t e re s t Bukekan Karate s Summer Program By: Sensei Wayne Thomas I am very pleased to announce that the Bukekan Karate Dojo s summer program will begin at the Kipling Estates Clubhouse on June 4, 2013. Karate classes will be held on Tuesday and Thursday. The Bukekan s Tuesday afternoon classes will continue to meet from 4:30-5:30PM. The Thursday morning karate classes will begin on June 13 th from 9:00-10:00AM. New this year is the opportunity for select students to study Matayoshi Kobudo. Kobudo classes will meet on Thursday afternoon beginning on June 6 th from 4:30-6:00PM. After a few years of studying karate and much hard work, our new orange belts may now be Is Your Portfolio Truly Diverse? The financial markets always move up and down. As an investor, you're no doubt happy to see the "ups"- but the "downs" can seem lika a real downer. Isn't there any way to help smooth out the volatility in your investment portfolio? Your best bet is to diversify your holdings. Unfortunately, many investors think that if they own a few stocks and a bond, they're diversified. But you have to go deeper. For the equity portion of your portfolio, you may want to own stocks representing many different industries, as well as international stocks. And when you purchase bonds, don't eligible to study Matayoshi Kobudo. Any student wishing to study Kobudo must be evaluated by Sensei Thomas to see if he or she is mature enough to participate. As always, my classes focus on teaching respect, developing a positive attitude, and encouraging hard work. Classes are taught in Japanese, and the cost will depend on how many times per week your student will be training. A parent must sign a Waiver and complete the online Registration Form, http:// www.bukekan.com, before his/her student(s) can participate. Please make your check payable to Wayne Thomas. For more information, please contact Sensei Wayne Thomas at (815) 351-1923 or via e- mail at wht@bukekan.com. just stick with U.S. Treasury securities- consider corporate and municipal bonds, too. You can diversifiy even further by owning short-term, intermediate-term and long-term bonds. Keep in mind that diversification can't guarantee a profit or protect against loss. Nonetheless, building a diversified portfolio is a smart investment moveso look for diversification opportunities whenever possible. Presented by: Paul Kalafut, Shorewood's Edward Jones Financial Advisor Member SIPC Vendor Fair Basket winners see article on page five for names and basket descriptions.

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K i p l i n g E s t a t e s H o m e O w n e r s A s s o c i a t i o n Kipling Estates Clubhouse 850 Wynstone Drive Shorewood, Illinois 60404 Welcome Home! Call now to advertise your business in the next issue of the Kipling Kronicle. 815-725-9922 Full Page Ad $125 Half Page Ad $75 1/4 Page Ad $50 Business Card Ad $25 *All Kipling residents receive 25% off any advertisement placed for their own business * Deadline for all Ads is the 15th of the previous month. Newsletters will be printed and distributed every other month. Next issue June/July. NOW HEAR THIS...NOT ALL THIEVES ARE STUPID! GLOVE COMPARTMENT INFORMATION: A friend of a friend left their car in the long-term parking while away, and someone broke into the car. Using the information on the car's registration in the glove compartment, they drove the car to the people's home and robbed it. If we are going to leave our cars in long-term parking, we should not leave the registration/insurance cards in it, nor your remote garage door opener. GPS: A couple of weeks ago a friend reported that someone had their car broken into while they were at a sporting event. Things stolen from the car included a garage door remote control, some money and a GPS that had been prominently mounted on the dashboard. When the victims got home, they found that their house had been ransacked and just about everything worth anything had been stolen. The thieves had used the GPS to guide them to the house, used the garage remote control to open the garage door and gain entry to the house. The thieves knew the owners were at an event and knew what time the event was scheduled to finish. They knew how much time they had to clean out the house. Something to consider - if you have a GPS don't put your home address in it. Put a nearby address (like a store or gas station) so you can still find your way home if you need to, but no one else would know where you live if your GPS were stolen. CELL PHONES: This lady has now changed her habit of how she lists her names on her cell phone after her handbag was stolen which contained her cell phone. 20 minutes later when she called her husband, from a pay phone telling him what had happened, her husband told her that he received her text asking about our Pin number and he replied a little while ago. When they rushed down to the bank, the bank staff told them all the money was already withdrawn. The thief had actually used the stolen cell phone to text the husband (hubby) in the contact list and got hold of the pin number. Within 20 minutes the thief had withdrawn all the money from their bank account. Moral of the lesson: 1. Do not disclose the relationship between you and the people in your contact list. Avoid using names like Home, Honey, Hubby, Sweetheart, Dad, Mom, etc... 2. And very importantly, when sensitive info is being asked through texts, CONFIRM by calling back. 3. Also, when you're being texted by friends or family to meet them somewhere, be sure to call back to confirm that the message came from them. If you don't reach them, be very careful about going places to meet 'family and friends' who text you.