FOURTH AMENDMENT TO CREDIT AGREEMENT

Exhibit 10.45

FOURTH AMENDMENT TO CREDIT AGREEMENT

     THIS FOURTH AMENDMENT TO CREDIT AGREEMENT (this “Agreement”) is made as of September 17, 2007 between SUNRISE SENIOR LIVING, INC. a Delaware corporation (the “Company”), and BANK OF AMERICA, N.A., as Administrative Agent, Swing Line Lender and Letter of Credit Issuer (the “Administrative Agent”) for itself and certain additional lenders who are or shall be from time to time participating as lenders pursuant to the Credit Agreement as hereinafter defined (collectively with the Administrative Agent, the “Lenders”).

RECITALS

     A. The Lenders have made a Credit Facility available to the Company in the maximum principal sum at any one time outstanding of $250,000,000.

     B. The Credit Facility is governed by a Credit Agreement dated December 2, 2005 as amended by that certain First Amendment to Credit Agreement dated March 6, 2006, that certain Second Amendment to Credit Agreement dated January 31, 2007 and that certain Third Amendment to Credit Agreement dated June 27, 2007 (as amended by this Agreement, and as further amended, modified, substituted, extended and renewed from time to time the “Credit Agreement”) by and between the Company and the Lenders.

     C. The Credit Facility is guaranteed by the Guarantors pursuant to the terms of the Credit Agreement.

     D. The Company and the Lenders have agreed to (i) modify the delivery deadlines for certain financial statements; (ii) and make such other changes to the Credit Agreement as are more particularly set forth herein.

     E. As a condition precedent to the agreements referenced above, the Administrative Agent has required that this Agreement be executed and delivered to the Administrative Agent on behalf of the Lenders.

AGREEMENTS

     NOW, THEREFORE, in consideration of the premises, the mutual agreements herein contained, and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Company, the Lenders and the Administrative Agent hereby agree as follows:

     1. The above Recitals are a part of this Agreement. Unless otherwise expressly defined in this Agreement, terms defined in the Credit Agreement shall have the same meaning under this Agreement.

     2. The Company represents and warrants to the Lender as follows:

          (a) The Company has the power and authority to execute and deliver this Agreement and perform its obligations hereunder;

          (b) The Credit Agreement, as amended by this Agreement, and each of the other Loan Documents remains in full force and effect, and each constitutes the valid and legally binding obligation of Borrower, enforceable in accordance with its terms;

          (c) All of the Company’s representations and warranties contained in the Credit Agreement and the other Loan Documents are true and correct on and as of the date of the Company’s execution of this Agreement with the exception of representations and warranties regarding financial statements described in Section 6.5 of the Credit Agreement; and

          (d) No Event of Default and no event which, with notice, lapse of time or both would constitute an Event of Default, has occurred and is continuing under the Credit Agreement or the other Loan Documents which has not been waived in writing by the Lender.

     3. The Company hereby acknowledges and agrees that pursuant to the terms of Sections 7.1 and 7.2 of the Credit Agreement the Company is required to deliver to the Administrative Agent certain quarterly and annual financial statements and certain Compliance Certificates within the time period specified therein. The Company, the Administrative Agent and the Lenders hereby agree to modify the delivery dates of: (a) all quarterly financial statements for 2006, (b) quarterly financial statement for the quarters ending March 31, 2007, June 30, 2007 and September 30, 2007, and (c) the annual financial statement for the Company for the fiscal year ending December 31, 2006, as each such financial statement was to be submitted to the SEC, and (d) the Compliance Certificates to be submitted to the Administrative Agent with each such financial statement required pursuant to Section 7.2 of the Credit Agreement (collectively, the “Outstanding Financial Reports”). The modification applies to the quarterly statements for the fiscal quarters ending March 31, 2006, June 30, 2006, September 30, 2006, December 31, 2006, March 31, 2007, June 30, 2007 and September 30, 2007 and the annual statement for the fiscal year ended December 31, 2006. As amended by this Agreement, the financial statements will be due no later than January 31, 2008.

     4. The Company, the Administrative Agent and the Lenders hereby agree that on or before December 31, 2007, the Company shall provide to Administrative Agent, in form and detail satisfactory to Administrative Agent: (i) an internally prepared financial statement (balance sheet and income statement only) for the fiscal quarter ending September 30, 2007 and (ii) a preliminary financial covenant Compliance Certificate for the fiscal quarter ending September 30, 2007.

     5. The Company, the Administrative Agent and the Lenders hereby agree that the Company shall pay to the Administrative Agent for the account of each Lender that executes this Agreement, in accordance with its Applicable Percentage, a fee equal to twelve and one-half (12.5) basis points.

     6. The Company, the Administrative Agent and the Lenders hereby agree that commencing with reports for operations during the month of December, 2006 through the date of the delivery to the Administrative Agent of the Outstanding Financial Reports, the Company shall deliver, within forty-five (45) days after the end of each month, internally prepared operating data that reflects revenue, expense, margin, average daily rate and occupancy for only such Senior Living Facilities, on an aggregate basis, in which the Company or its affiliates have an ownership interest and which operated in both the current month and the corresponding month of the previous fiscal year in comparative form for both periods fairly presenting the financial condition of such Senior Living Facility.

     7. Except as specifically set forth herein, the terms, provisions and covenants of the Credit Agreement, including, but not limited to, all financial covenants and definitions related thereto, are hereby ratified and confirmed and remain in full force and effect.

     8. This Agreement may be executed in any number of duplicate originals or counterparts, each of such duplicate originals or counterparts shall be deemed to be an original and all taken together shall constitute but one and the same instrument.

     9. By their signatures below, the Guarantors consent to the transactions contemplated by and the agreements made by the Company under this Agreement and ratify, confirm and reissue their guaranty as set forth in the Credit Agreement.

[SIGNATURES APPEAR ON FOLLOWING PAGES]

     IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed and delivered under seal by their duly authorized representatives as of the date and year first written above.