FAIRFIELD COMMUNITIES REPORTS RECORD REVENUE
Diluted EPS Increases 25% to $0.35
Net VOI Sales Increase 24%
Announces Innovative Marketing Program

Press Release: Fairfield Communities


July 27, 1999
ORLANDO, FL-- Fairfield Communities, Inc. (NYSE:FFD) yesterday reported financial results for the second quarter and six months ended June 30, 1999.

Diluted earnings per share for the second quarter increased 25% to $0.35 from $0.28 in the second quarter of 1998. Net earnings for the quarter ended June 30, 1999 increased 21% to $15.9 million from $13.1 million in the prior year period. Earnings per share grew at a faster pace than net earnings as a result of the Company's repurchase of approximately two million shares throughout the second half of 1998.

Net sales of vacation ownership interests (VOI), the largest component of revenue, increased 24% during the second quarter of 1999 to $99.2 million from $80.2 million in the prior year quarter. Gross VOI sales increased 18% to $97.2 million in the second quarter of 1999, compared to $82.6 million in the second quarter of 1998. Gross VOI sales were slightly below net sales as a result of new sales operations commencing later in the quarter then anticipated. Total revenue for the second quarter of 1999 increased 21% to $130.5 million, up from $108.0 million in the second quarter of 1998.

``With record revenue of $130.5 million, this was one of Fairfield's most successful quarters to date,'' said John McConnell, Fairfield's President and Chief Executive Officer. ``To further improve our performance, we took several new steps to meet our strategic objectives of expanding our funding capabilities, creating innovative marketing programs, opening new sales centers, and increasing consumer awareness of the Fairfield brand.''

For the six months ended June 30, 1999, the Company reported diluted earnings per share of $0.57, a 24% increase from $0.46 for the same period in 1998. Net earnings for the first six months of 1999 were $25.9 million, a 20% increase over the $21.5 million reported in the first half of 1998.

Net VOI sales for the six months ended June 30, 1999, increased 23% to $172.0 million from $140.4 million in the prior year period. Gross VOI sales were $169.3 million for the period, an 18% increase from $142.9 million in the comparable period of 1998. Total revenue for the six months ended June 30, 1999 was $229.6 million, an increase of 18% from $193.9 million in the prior year period.

Marketing and Sales Initiatives

Continuing Fairfield's tradition of innovative marketing programs, the Company completed marketing agreements with the Atlanta Braves, Baltimore Orioles, Cincinnati Reds, Texas Rangers and Charlotte Knights professional baseball teams.

In connection with each of the agreements, Fairfield is sponsoring signage within the ballpark and marketing a vacation sweepstakes. Fans who enter the sweepstakes will be added to the Company's database of prospects. The Company is targeting families and others who attend professional baseball games as their demographics are very similar to those of vacation interval owners. Fairfield is actively exploring expanding this initiative to additional sports and leisure venues.

``This innovative program is helping to create awareness of our products in our Urban sales center markets as well as enhancing access to other marketing channels,'' said Franz Hanning, Fairfield's Executive Vice President and Chief Operating Officer. ``As the Fairfield universe continues to expand, we expect more and more people to see our name in a multitude of places and associate it with the top quality vacation experiences we provide.''

``One great advantage of our FairsharePlus system is that it enables us to sell existing points-based inventory through sales offices at resorts under development even before we have completed construction,'' said John McConnell. ``In fact, Daytona, Durango, Gatlinburg, Sedona and Las Vegas, all commenced sales during the second quarter. As construction at these resorts moves toward completion and we can offer a wider array of vacation experiences, the value proposition of the Fairfield brand becomes even greater. We expect these five sites to contribute to the strength of our pipeline for future revenue growth.''

Discovery vacation packages continued to be a popular choice among prospective buyers this quarter. This program offers a trial membership in FairsharePlus in addition to having the highest close rate of any of the Company's marketing programs. For the quarter, Discovery sales increased 20% to 5,014, as compared to 4,187 in the prior year period.

Funding Capacity Expanded

Net interest income increased to $10.6 million in the second quarter of 1999 from $8.6 million in the second quarter of 1998, a 23% increase. This is a result of the continued growth of the Company's contracts receivable portfolio coupled with a decrease in the weighted average cost of funds to 7% for the second quarter of 1999 from 7.5% for the prior year period. Contracts receivable, inclusive of the Company's unconsolidated qualifying special purpose entities, increased 21% from June 30, 1998 to $401.1 million at June 30, 1999.

Fairfield has obtained two additional sources of available capital. First, Fairfield entered into an agreement with CIBC Oppenheimer to securitize up to an additional $100 million of Fairfield's contracts receivable. CIBC has joined Eagle Funding to increase the total securitization commitment, rated A1, to $250 million. As of June 30, 1999, Fairfield had $116 million outstanding under its Eagle Funding agreement. During the quarter, Fairfield also increased its existing warehouse facility with BankBoston from $60 million to $100 million.

``The improvements to our funding facilities provide Fairfield with additional reliable sources of low cost capital and financial flexibility to purchase and develop new properties,'' said Robert W. Howeth, Executive Vice President and Chief Financial Officer. ``The high quality of our customer base and the consistently strong performance of our portfolio have continued to enable us to attract institutional buyers of our contracts receivable such as Eagle and CIBC at favorable rates.''

Live Internet Broadcast

Fairfield will be hosting a conference call on the Internet to discuss earnings on Monday, July 26, 1999 at 10:00 a.m. EDT. To participate in this call please visit the Financial & Investor Information section of our Web site at www.FFCI.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., incorporated in 1969, is one of the nation's largest vacation ownership companies. Fairfield provides quality recreational experiences at twenty-six locations in 11 states and the Bahamas to more than 240,000 Fairfield property owners. Currently, the Company has an additional 5 resorts under development.

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, 1998.

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

Three Months Ended June 30,

Six Months Ended June 30,

1999

1998

1999

1998

Revenues:
Vacation ownership
interests, net

$ 99,206

$ 80,155

$171,964

$140,360

Resort management

12,517

9,947

24,033

19,547

Interest

7,040

8,080

13,964

18,379

Net interest income and
fees from qualifying
special purpose entities

4,925

2,378

9,359

2,776

Other

6,798

7,424

10,231

12,861

130,486

107,984

229,551

193,923

Expenses:
Vacation ownership interests -
costs of units sold

25,611

22,945

45,058

39,620

Sales and marketing

47,609

37,083

83,064

65,675

Provision for loan losses

5,132

3,993

8,754

6,910

Resort management

9,828

8,387

19,132

16,089

General and administrative

8,191

6,141

16,057

13,283

Interest, net

1,344

1,828

2,956

5,452

Depreciation and
amortization

1,940

1,677

3,947

3,329

Other

6,111

4,593

10,062

8,576

105,766

86,647

189,030

158,934

Earnings before provision
for income taxes

24,720

21,337

40,521

34,989

Provision for income taxes

8,780

8,199

14,647

13,446

Net earnings

$ 15,940

$ 13,138

$ 25,874

$ 21,543

Basic earnings per share

$ 0.36

$ 0.29

$ 0.59

$ 0.48

Diluted earnings per share

$ 0.35

$ 0.28

$ 0.57

$ 0.46

Weighted average shares
outstanding:
Basic

44,028

44,940

43,954

44,608

Diluted

45,677

47,416

45,470

47,264


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

June 30,1999

December 31,1998

Assets:
Cash and cash equivalents

$ 7,952

$ 5,017

Receivables, net

205,338

202,849

Real estate inventories

133,547

128,397

Investments in and net amounts due from
qualifying special purpose entities

38,284

31,917

Property and equipment, net

32,346

30,062

Restricted cash

11,012

11,154

Other assets

22,778

21,697

$ 451,257

$ 431,093

Liabilities and Stockholders' Equity

Liabilities:
Financing arrangements

$ 67,724

$ 79,441

Deferred revenue

23,473

27,085

Accrued income taxes

30,371

28,157

Accounts payable

27,734

26,550

Other liabilities

51,832

47,230

201,134

208,463

Stockholders' Equity:
Common stock, $.01 par value, 100,000,000 shares authorized,
50,768,849 and 50,663,851 shares issued as of June 30, 1999
and December 31, 1998, respectively

508

507

Paid-in capital

122,021

120,403

Retained earnings

148,585

122,711

Treasury stock, at cost, 6,286,205 and 6,496,959 shares
as of June 30, 1999 and December 31, 1998, respectively

(20,991)

(20,991)

250,123

222,630

$ 451,257

$ 431,093


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

Quarters Ended

6/30/99

3/31/99

12/31/98

9/30/98

6/30/98

Contracts receivable

$ 401,069

$ 374,701

$ 369,992

$ 357,957

$ 331,459

Weighted average
coupon rate

15.1%

14.9%

14.6%

14.7%

14.7%

Delinquency
(60-day basis)

1.3%

2.0%

2.3%

1.8%

2.2%

Allowance for contracts
receivable

$ 24,806

$ 22,012

$ 22,343

$ 22,660

$ 20,736

Write-offs of contracts
receivable, net

$ 2,338

$ 3,953

$ 4,029

$ 1,724

$ 1,099

Total financing
arrangements

$ 233,303

$ 233,905

$ 222,304

$ 217,114

$ 177,485

Weighted average
funding cost

7.0%

7.2%

7.5%

7.6%

7.5%

Number of Discovery sales

5,014

3,447

3,235

5,781

4,187

Gross VOI revenue

$ 97,173

$ 72,148

$ 74,687

$ 86,501

$ 82,572

Net VOI revenue
recognition (deferral)

$ 2,013

$ 610

$ (200)

$ (229)

$ (2,417)

VOI deferred revenue at
quarter end

$ 5,206

$ 7,615

$ 8,225

$ 8,025

$ 7,796

Condensed statements of earnings of unconsolidated subsidiaries:

Interest income

$ 7,568

$ 6,925

$ 6,181

$ 5,041

$ 3,775

Interest expense:
Financing arrangements

2,613

2,463

2,270

1,936

1,450

Subordinated note to parent

528

461

385

482

423

General and
administrative

472

442

384

408

218

Total expenses

3,613

3,366

3,039

2,826

2,091

Pretax earnings

3,955

3,559

3,142

2,215

1,684

Provision for
income taxes

1,425

1,342

1,157

816

620

Net earnings

$ 2,530

$ 2,217

$ 1,985

$ 1,399

$ 1,064


(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
Chief Financial Officer
501/312-3856
or
Morgen-Walke Associates
Michele Katz/Connie Bienfait/
Ian Hirsch
Press: Eileen King
212/850-5600