Fairfield Communities Reports 20% Rise in Gross Sales of Vacation Ownership Interests

*Revenue, Earnings Reach New Records *EPS Up 18% to $0.45

Press Release
November 1, 2000
ORLANDO, FL -- Fairfield Communities, Inc. (NYSE: FFD) yesterday reported financial results for the third quarter and nine months ended September 30, 2000.

Gross sales of vacation ownership interests (VOI), the largest component of revenue, reached a record $134.0 million for the third quarter of 2000, a 20% increase compared to $112.0 million in the prior year quarter. Total revenue for the third quarter increased 16% to a record $166.8 million, compared to $143.7 million in the year-ago period. Fairfield's ownership base also reached a new record level, up 21% to 324,789 compared to 268,090 in the prior year period.

EPS increased 18% to $0.45 per diluted share, up from $0.38 per diluted share in the 1999 third quarter. During the quarter, the Company deferred an additional $4.9 million of revenues associated with sales in timeshare units under construction with an associated operating profit of $1.1 million. The Company continues to add to its solid base of recurring revenue, with Fairfield's owner financing providing a predictable interest income earnings stream. Total contracts receivable increased 26% to $532.3 million for the period ending September 30, 2000, compared to $422.2 million at September 30, 1999. Total contracts receivable also include those held by the Company's wholly owned, unconsolidated special purpose entities.

``This was another quarter of record-setting performance for Fairfield demonstrating the Company's fundamental strengths and industry leadership,'' said Jim Berk, President and Chief Executive Officer. ``We continue to broaden our vacation services, increase our marketing alliances to enhance our sales and marketing initiatives, and continue resort development activity at an impressive pace.''

Net VOI sales for the nine months ended September 30, 2000 increased 19% to $336.1 million from $282.9 million in the prior year period. Gross VOI sales were $341.6 million for the first nine months of 2000, a 21% increase from $281.4 million in the comparable period of 1999. Total revenue for the nine months ended September 30, 2000 was $440.4 million, an increase of 18% from $372.0 million in the prior year period. At September 30, 2000, the Company had in excess of $12.2 million of deferred revenues associated with sales in timeshare units under construction. This revenue and associated operating profit of $2.9 million will be recognized in future periods as construction is completed. Net earnings for the nine months ended September 30, 2000 increased 16%, to $50.2 million or $1.14 per diluted share up from $43.2 million or $0.95 per diluted share in the year-ago period.

On March 2, 2000, Fairfield authorized a stock repurchase program of up to $60 million of its common stock through August 31, 2000 in open market or privately negotiated transactions. As a result of the repurchase program, the Company repurchased approximately 4.5 million shares. As of September 30, 2000, the Company had 42.3 million common shares outstanding.

In the third quarter ended September 30, 2000, the Company significantly enhanced its funding resources. Specifically, Fairfield expanded its capital availability to $145 million by increasing its syndicated warehouse facility commitment from $100 million. Additionally, the Company's off-balance sheet non-recourse special purpose financing commitment increased to $350 million, a $100 million increase. Furthermore, in October the Company completed the placement of $75 million of Senior Notes. The proceeds of these notes will be used primarily for the construction and acquisition of additional timeshare units.

Resort Update

This past quarter Fairfield's new tower resort on the beach in Destin opened. New phases opened in existing Fairfield resorts in Nashville, Sedona, Smoky Mountains, Myrtle Beach, Gatlinburg, Ocean Ridge and Pagosa. New resort acquisition and development efforts continue in Williamsburg, Las Vegas, Durango and Myrtle Beach.

Live Internet Broadcast

Fairfield will be hosting a conference call on the Internet to discuss earnings on Tuesday, October 31, 2000 at 9:00 a.m. EST. To participate in this call please visit the Financial & Investor Information section of the Fairfield Web site at www.efairfield.com approximately 15 minutes before the call. The replay of the call will be made available on the Web site after the call.

Fairfield Communities, Inc., is one of the largest vacation ownership companies in North America. The Company markets vacation products and manages resort properties that provide quality recreational experiences at 33 locations in twelve states and the Bahamas, to more than 324,000 vacation owning households.

Except for historical information contained herein, this press release contains forward-looking statements that involve risks and uncertainties, including, but not limited to, general industry and economic conditions; interest rate trends; regulatory changes; availability of real estate properties; competition from national hospitality companies and other competitive factors and pricing pressures; shifts in customer demands; the continued availability of financing in the amounts and at the terms necessary to support the Company's future business as well as other risks detailed from time to time in the Company's reports filed with the Securities and Exchange Commission, including the Annual Report and report on Form 10-K for the year ended December 31, 1999.

             FAIRFIELD COMMUNITIES, INC AND SUBSIDIARIES
                 CONSOLIDATED STATEMENTS OF EARNINGS
               (In thousands, except per share amounts)
                             (Unaudited)


                           Three Months Ended    Nine Months Ended
                             September 30          September 30
                          ------------------    --------------------
                              2000     1999         2000        1999
                              ----     ----         ----        ----
Revenues
  Vacation ownership
   interests, net          $129,054   $110,975   $336,116   $282,939
  Resort management          12,811     10,677     38,585     33,492
  Interest                    8,135      7,780     22,608     21,744
  Net interest
   income and
   fees from qualifying
   special purpose
   entities                   6,569      5,337     18,613     14,696
  Other                      10,221      8,933     24,489     19,164
                           --------   --------   --------   --------
      Total revenues        166,790    143,702    440,411    372,035
                           --------   --------   --------   --------

Expenses
  Vacation ownership
   interests -
   costs of sales            34,034     28,755     88,903     73,813
  Sales and marketing        62,987     53,400    164,754    136,464
  Provision
   for loan losses            6,501      5,702     16,241     14,456
  Resort management          10,752      8,254     32,223     26,168
  General and
   administrative            10,306      9,262     29,686     25,319
  Interest, net               1,648      1,711      3,765      4,667
  Depreciation
   and amortization           2,631      1,977      7,139      5,924
  Other                       7,086      6,542     17,038     16,604
  Litigation expenses          --         --        4,700       --
                           --------   --------   --------   --------
     Total expenses         135,945    115,603    364,449    303,415
                           --------   --------   --------   --------

Earnings before
 provision for
 income taxes and
 extraordinary item          30,845     28,099     75,962     68,620
Provision for
 income taxes                11,603     10,755     28,655     25,402
                           --------   --------   --------   --------

Net earnings
 before
 extraordinary
 item                        19,242     17,344     47,307     43,218

Extraordinary
 gain - extinguishment
 of debt                        --         --       2,900        --

Net earnings               $ 19,242   $ 17,344   $ 50,207   $ 43,218
                           ========   ========   ========   ========

Basic earnings
 per share
Before
 extraordinary gain        $   0.46   $   0.39   $   1.12   $ 0.98
Extraordinary
 gain                            --         --       0.07     --
                           --------   --------   --------   --------
Net earnings                $ 0.46   $   0.39   $  1.19   $  0.98
                           ========   ========   ========   ========

Diluted
 earnings
 per share
Before
 extraordinary
 gain                      $   0.45   $   0.38   $   1.07   $ 0.95
Extraordinary
 gain                            --         --        0.07     --
                           --------   --------   --------   --------
Net earnings                 $ 0.45   $   0.38   $   1.14   $   0.95
                           ========   ========   ========   ========

Weighted average
 shares outstanding:
   Basic                     41,720     44,074     42,098     43,995
                           ========   ========   ========   ========
   Diluted                   43,105     45,734     44,043     45,556
                           ========   ========   ========   ========



             FAIRFIELD COMMUNITIES, INC AND SUBSIDIARIES
                CONDENSED CONSOLIDATED BALANCE SHEETS
               (Dollars in thousands, except par value)


                             September 30,  December 31,
                                    2000          1999
                             -------------  ------------
                               (Unaudited)

Assets
   Cash and cash
    equivalents                  $   5,515    $  17,716
   Receivables, net                292,977      234,061
   Real estate inventories         163,973      133,874
   Investments in
    and net amounts due from
    qualifying special
    purpose entities                53,705       39,385
   Property and equipment, net      50,428       41,578
   Restricted cash                  12,951        8,624
   Other assets                     27,349       23,398
                                 ---------    ---------
             Total assets        $ 606,898    $ 498,636
                                 =========    =========

Liabilities and
Stockholders' Equity
  Liabilities:
   Financing arrangements        $  93,502    $  53,537
   Deferred revenue                 28,906       23,011
   Accrued income taxes             45,187       38,300
   Accounts payable                 55,925       38,251
   Other liabilities                75,809       62,582
                                 ---------    ---------
             Total liabilities     299,329      215,681
                                 ---------    ---------

Stockholders Equity:
   Common stock, $.01 par
    value, 100,000,000 shares
    authorized, 52,756,471
    and 50,849,153 shares issued
    as of September 30, 2000
    and December 31, 1999,
    respectively                       530          509
   Paid-in capital                 137,694      124,120
   Retained earnings               229,783      179,576
   Unamortized value of
    restricted stock                (1,828)        (259)
   Treasury stock, at
    cost, 10,419,474 and
    6,245,723 shares
    as of September 30, 2000
    and December 31, 1999,
    respectively                   (58,610)     (20,991)
                                 ---------    ---------
   Total stockholders' equity      307,569      282,955
                                 ---------    ---------
   Total liabilities and
    stockholders' equity         $ 606,898    $ 498,636
                                 =========    =========



                     FAIRFIELD COMMUNITIES, INC.
                SCHEDULE OF SELECTED FINANCIAL DATA (1)
                        (Dollars in Thousands)

                                           Quarters Ended

                                 09/30/2000  06/30/2000   03/31/2000
                                 ----------  ----------   ----------


Contracts receivable:
     Balance                      $ 532,290   $ 487,367    $ 451,422
     Weighted average coupon rate     15.1%       15.0%        15.0%
     Delinquency (60-day basis)        1.3%        1.4%         1.5%
     Allowance for cancellations   $ 32,238    $ 28,612     $ 28,167
     Write-offs, net                $ 3,937     $ 3,500      $ 4,669

Total financing arrangements      $ 312,323   $ 282,669    $ 260,941
Weighted average funding cost          8.8%        8.1%         7.7%

Number of Discovery sales             8,363       6,903        4,290
Discovery receivables              $ 23,600    $ 17,956     $ 16,595

Gross VOI revenue                 $ 134,000   $ 118,644     $ 88,982
Net VOI revenue
(deferral) recognition             $ (4,946)     $ (465)       $ (99)

VOI deferred revenue
at quarter end                     $ 12,234     $ 7,288      $ 6,823

Number of equivalent weeks sold       8,110       7,099        5,231
Average price per equivalent week  $ 16,522    $ 16,714     $ 17,012


Condensed statements
 of earnings of
 unconsolidated subsidiaries:

  Interest income                  $ 10,789     $ 9,849      $ 9,648
  Interest expense:
    Financing arrangements            4,219       3,853        3,601
    Subordinated note to parent       1,936       1,687        1,444
  General and administrative              -           -            -
                                  -----------------------------------
  Total expenses                      6,155       5,540        5,045
                                  -----------------------------------
  Pretax earnings                     4,634       4,309        4,603
  Provision for income taxes          1,610       1,496        1,597
                                  -----------------------------------
  Net earnings                      $ 3,024     $ 2,813      $ 3,006
                                  ===================================


                                            Quarters Ended

                                 12/31/1999  09/30/1999  06/30/1999
                                 ----------  ----------  ----------


Contracts receivable:
     Balance                      $ 434,746   $ 422,224   $ 386,402
     Weighted average coupon rate     15.1%       15.3%       15.1%
     Delinquency (60-day basis)        1.5%        1.1%        1.3%
     Allowance for cancellations   $ 29,053    $ 29,405    $ 24,806
     Write-offs, net                $ 3,784     $ 1,103     $ 2,338

Total financing arrangements      $ 241,122   $ 234,246   $ 233,303
Weighted average funding cost          7.8%        7.6%        7.0%

Number of Discovery sales             4,075       6,013       5,014
Discovery receivables              $ 16,419    $ 18,644    $ 14,667

Gross VOI revenue                  $ 87,900   $ 112,024    $ 97,193
Net VOI revenue
(deferral) recognition                $ (73)   $ (1,049)    $ 2,013

VOI deferred revenue
at quarter end                      $ 6,724     $ 6,651     $ 5,602

Number of equivalent weeks sold       5,992       7,525       6,481
Average price per equivalent week  $ 14,670    $ 14,887    $ 14,997


Condensed statements of
 earnings of unconsolidated
subsidiaries:

  Interest income                   $ 9,221     $ 8,430     $ 7,568
  Interest expense:
    Financing arrangements            3,371       3,061       2,613
    Subordinated note to parent         766         657         528
  General and administrative            546         519         472
                                  ----------------------------------
  Total expenses                      4,683       4,237       3,613
                                  ----------------------------------
  Pretax earnings                     4,538       4,193       3,955
  Provision for income taxes          1,569       1,545       1,425
                                  ----------------------------------
  Net earnings                      $ 2,969     $ 2,648     $ 2,530
                                  ==================================


(1) The Schedule of Selected Financial Data includes the related
    financial information of FRC and FFC II, wholly owned,
    unconsolidated qualifying special purpose entities of Fairfield
    Acceptance Corporation-Nevada.


------------------------------------------------

Contact: 
     Fairfield Communities, Inc.
     Robert W. Howeth, 407/370-5250
     Chief Financial Officer
            or
     Morgen-Walke Associates
     Michele Katz/Michael Polyviou
     Press: Steven DiMattia
     212/850-5600