American Retirement Corporation Update on Refinancing Activities

NASHVILLE, Tenn., Feb 14, 2002 (BUSINESS WIRE) -- American Retirement Corporation (NYSE:ACR) today announced the completion of several transactions comprising part of its recapitalization effort. The Company recently completed the sale and leaseback of three of its senior living communities and has entered into definitive agreements for sale and leaseback transactions involving two additional communities. The Company also announced that it has completed the purchase of all remaining leasehold interests of third parties in assisted living communities managed by the Company.

Sale/Leasebacks
The Company has completed sale and leaseback transactions involving Holley Court Terrace, a congregate care community located in a suburb of Chicago, the Homewood Residence at Coconut Creek, a pre-stable free-standing assisted living community located near Ft. Lauderdale, Florida, and the Carriage Club of Charlotte, a continuing care retirement community located in Charlotte, North Carolina. The leases for all three properties have 15 year terms, and the Company has two 5-year renewal options. The Company retained a right of first refusal to repurchase each of these communities.

The aggregate sale price for these three transactions was approximately $73.2 million. In addition, the Company may receive up to $1.9 million of additional proceeds, depending upon the future performance of the Coconut Creek community. A portion of the Carriage Club of Charlotte sale price was paid through the buyer's assumption of $34.8 million of mortgage debt and the issuance to the Company of $2.5 million of short-term interest bearing notes that are expected to be repaid over the next two years. The Company used a portion of the cash proceeds from these three transactions to repay $13.0 million of mortgage debt and to reduce its mortgage loan facility by $8.6 million to $73.0 million.

In conjunction with and as a condition of the Carriage Club of Charlotte transaction, the Company acquired Freedom Inn at Countryside, a stable 82-unit free-standing assisted living community located in a suburb of Tampa, Florida, for approximately $7.1 million, including the assumption of approximately $4.7 million of mortgage debt financing. The Company had been managing this community for twenty nine months.

Corporate Financing Activities
As disclosed in the Company's filings with the Securities and Exchange Commission, the Company has been exploring a wide range of asset and corporate level financing alternatives in order to address the Company's debt maturities in 2002. These potential financing alternatives include mortgage financings, sale and leaseback transactions, and equity, equity linked, and mezzanine financings.

The Company has executed definitive agreements for the sale and leaseback of two communities in addition to those described above. These two additional sale and leaseback transactions are expected to generate proceeds of approximately $49.5 million, with the possibility of up to $3.9 million of additional proceeds if certain earn-out criteria are satisfied. If completed, the Company will repay approximately $36.2 million of debt relating to these communities and will apply the remaining proceeds to satisfy other maturing obligations. These transactions are subject to certain conditions that must be satisfied prior to closing.

In addition, the Company is in advanced discussions (and in certain instances has entered into non-binding letters of intent) with several different parties relating to the refinancing and/or the sale and leaseback of up to ten additional communities. If completed on the terms being considered, these proposed transactions would generate gross proceeds to the Company of approximately $190 million. These transactions are in various stages and will be subject to certain closing conditions that must be satisfied.

If the above transactions are consummated as proposed, the Company's primary remaining outstanding debt obligation for 2002 will be the Company's Convertible Debentures. In an effort to address the maturity of the Convertible Debentures in October 2002, the Company has explored a wide range of corporate and asset level financing alternatives, including equity, equity linked, and mezzanine financing, and continues to work diligently with its advisors to execute on selected transactions.

Managed Community Acquisition Program Completion
In order to facilitate certain of its refinancing activities, the Company has purchased for approximately $19.2 million all of the remaining leasehold interests of third parties in assisted living communities managed by the Company. The Company financed these transactions through the issuance of approximately $17.2 million of long-term interest-only senior secured notes and approximately $1.9 million in cash. As a result, the Company will now consolidate the operations of ten additional assisted living residences that were previously managed. These communities currently have approximately $20 million of in-place annual revenues and produce positive cash flow from operations. In addition, the Company is in the process of eliminating its synthetic lease structures. A number of these synthetic leases will be eliminated in connection with the execution of the refinancing transactions described above and the Company has initiated processes aimed at eliminating its other synthetic lease arrangements.

"We have committed extensive resources, both internally and externally, to facilitate the execution of our refinancing program. We are generating sufficient cash to satisfy our operating requirements, and we are making progress in our efforts to deal with our maturing obligations as evidenced by the completion of several financing transactions," said Bill Sheriff, Chairman and Chief Executive Officer of the Company. "We believe it is important to simplify our capital structure so we are pleased to have made a major step in that direction by completing our purchase of the leasehold interests in our remaining managed assisted living facilities. We also intend to eliminate our synthetic lease arrangements over the intermediate term, which we expect can be accomplished with little cost to the Company."

American Retirement Corporation offers a broad range of care and services to seniors, including independent living, assisted living, skilled nursing and Alzheimer's care. The Company currently operates 66 senior living communities in 14 states with an aggregate capacity for approximately 14,700 residents. The Company's strategy is to develop senior living networks in major metropolitan regions. These networks are made of large continuing care retirement communities and free-standing assisted living residences located in the same markets.

This press release and statements made by or on behalf of the Company relating hereto, including all statements concerning the Company's recapitalization efforts, proposed equity financings, proposed sale and leaseback transactions, potential payments pursuant to earn-out arrangements, and results of operations for future periods, may be deemed to constitute forward-looking information made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements may be affected by certain risks and uncertainties, including the Company's ability to complete successfully its recapitalization efforts, adverse developments in the financial markets or the senior living industry that may negatively impact the Company's proposed transactions and financings, the Company's ability to comply with the covenants contained in its debt instruments, the Company's significant leverage, and the risk factors described in the Company's Annual Report on Form 10-K for the year ended December 31, 2000 under the caption "Risk Factors" and in the Company's other filings with the Securities and Exchange Commission. The Company's ability to complete its proposed transactions and financings is subject to numerous uncertainties and conditions not within the Company's control. Certain of the Company's agreements with respect to the proposed transactions and financings are non-binding and there can be no assurance that the Company will be able to enter into definitive agreements and complete the proposed transactions and financings. In light of the significant uncertainties inherent in the forward-looking statements included herein, the Company's actual results could differ materially from such forward-looking statements and there can be no assurance that the Company will able to refinance or repay its debt obligations (including the Company's Convertible Debentures) when they come due. The Company does not undertake any obligation to publicly release any revisions to any forward-looking statements contained herein to reflect events and circumstances occurring after the date hereof or to reflect the occurrence of unanticipated events.


CONTACT:
American Retirement Corp., Nashville
Ross C. Roadman, 615/376-2412

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