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Agenda 12-11-12 BOYNTON =BEACH CRA CRA Board Meeting Tuesday, December 11, 2012 at 6:30 PM City Commission Chambers 100 E. Boynton Beach Blvd. Boynton Beach, FL 33435 I. Call to Order II. Invocation and Pledge to the Flag III. Roll Call IV. Legal: None V. Agenda Approval: A. Additions, Deletions, Corrections to the Agenda B. Adoption of Agenda VI. Informational Items and Disclosures by Board Members and CRA Staff: A. Disclosure of Conflicts, Contacts and Relationships for Items Presented to the CRA Board on Agenda Items B. Informational Announcements VII. Announcements & Awards: A. Movies on the Ave. — 1/4/13 B. Sunday in the Park —1 /6/13 VIII. Consent Agenda: A. Approval of Minutes — CRA Board Meeting, November 13, 2012 B. Approval of Period Ended November 30, 2012 Financial Report C. Monthly Purchase Orders IX. Pulled Consent Agenda Items: X. Information Only: A. Public Comment Log B. Media Outreach and Editorial Coverage C. CRA "FYI" Newsletter D. 2013 CRA Holidays XI. Public Comments: (Note: comments are limited to 3 minutes in duration) XII. Public Hearing: XIII. Old Business: A. Holiday Extravaganza Recap XIV. New Business: A. Consideration of Funding to Stage Left Theatre for Build -Out at Madsen Center B. Consideration of a Color Palette for Properties in the CRA District C. Consideration of Request from HAP Grant Recipients, Teasha & Kelly Thomas, to Accept Terms of Short Sale Negotiation (Tabled 11/13/12) D. 2013 CRA Board Meeting Dates XV. Executive Director's Report A. Project Status Update XVI. Future Agenda Items XVII. Adjournment NOTICE W A PERSON DECIDES TO APPEAL ANY DECISION MADE BY THE CRA BOARD WITH RESPECT TO ANY MATTER CONSIDERED AT THIS MEETING, HE /SHE WILL NEED A RECORD OF THE PROCEEDINGS AND, FOR SUCH PURPOSE, HE /SHE MAY NEED TO ENSURE THAT A VERBATIM RECORD OF THE PROCEEDING IS MADE, WHICH RECORD INCLUDES THE TESTIMONY AND EVIDENCE UPON WHICH THE APPEAL IS TO BE BASED (F S 286 0105) THE CRA SHALL FURNISH APPROPRIATE AUXILIARY AIDS AND SERVICES WHERE NECESSARY TO AFFORD AN INDIVIDUAL WITH A DISABILITY AN EQUAL OPPORTUNITY TO PARTICIPATE IN AND ENJOY THE BENEFITS OF A SERVICE, PROGRAM, OR ACTIVITY CONDUCTED BY THE CITY PLEASE CONTACT THE CRA AT (561) 737 - 3256 AT LEAST TWENTY -FOUR HOURS PRIOR TO THE MEETING PROGRAM OR ACTIVITY IN ORDER FOR THE CRA TO REASONABLY ACCOMMODATE YOUR REQUEST OISTIC RA BEACH CRA Board Meeting Tuesday, December 11, 2012 at 6:30 PM City Commission Chambers 100 E. Boynton Beach Blvd. Boynton Beach, FL 33435 AMENDED AGENDA 1. Call to Order II. Invocation and Pledge to the Flag III. Roll Call v IV. Legal: None V V. Agenda Approval: A. Additions, Deletions, Corrections to the Agenda v B. Adoption of Agenda VI. Informational Items and Disclosures by Board Members and CRA Staff: L , A. Disclosure of Conflicts, Contacts and Relationships for Items Presented to the CRA Board on Agenda Items V ' B. Informational Announcements VII. Announcements & Awards: A. Movies on the Ave. — 1/4/13 B. Sunday in the Park — 1/6/13 17 \ r AIM Consent Agenda: ( A. Approval of Minutes — CRA Board Meeting, November 13, 2012 B. Approval of Period Ended November 30, 2012 Financial Report C. Monthly Purchase Orders - IX. Pulled Consent Agenda Items: X. Information Only: A. Public Comment Log B. Media Outreach and Editorial Coverage 'L C. CRA "FYI" Newsletter V' D. 2013 CRA Holidays XI. Public Comments: (Note: comments are limited to 3 minutes in duration) , XII. Public Hearing: XIII. Old Business: A. Holiday Extravaganza Recap i B. Consideration of Request from HAP Grant Recipient, Erica Poag, to Accept Terms of Short U Sale Negotiation C. Consideration of Request from HAP Grant Recipient, Lauren Goddcn, to Accept Terms of Short Sale Negotiation XIV. New Business: A. Consideration of Funding to Stage Left Theatre for Build -Out at Madsen Center L v B. Consideration of a Color Palette for Properties in the CRA District C. Consideration of Request from HAP Grant Recipients, Teasha & Kelly Thomas, to Accept c/ Terms of Short Sale Negotiation (Tabled 11/13/12) D. 2013 CRA Board Meeting Dates L' XV. Executive Director's Report A. Project Status Update XVI. Future Agenda Items XVII. Adjournment NOTICE IF A PERSON DECIDES TO APPEAL ANY DECISION MADE BY THE CRA BOARD WITH RESPECT TO ANY MATTER CONSIDERED AT THIS MEETING, HE 'SHE WILL NEED A RECORD OF THE PROCEEDINGS AND, FOR SUCH PURPOSE, HE/SHE MAY NEED CO ENSURE THAT A VERB ATM RECORD OF THE PROCEEDING IS MADE, WHICH RECORD INCLUDES THE TESTIMONY AND EVIDENCE UPON WHICH THE APPEAL IS TO BE B.'.SED (F.S. 286.0105) JHE CRA SHALL FURNISH APPROPRIATE AUXILIARY AIDS AND SERVICES WHERE NECESSARY TO AFFORD AN INDIVIDUAL. WITH k DIS ABILITY AN EQUAL OPPORTUNITY TO PARTICIPATE IN AND ENJOY ME BENEFITS OF A SERVICE, PROGRAM, OR ACTIVITY CONDUCTED BY THE CITY. PLEASE CONTACT THE CRA AT (561) 737 - 3256 AT LEAST I'WEN FY -FOUR HOURS PRIOR TO THE MEETING PROGRAM OR ACTIVITY IN ORDER FOR WE CRA TO REASONABLY ACCOMMOD ATE YOUR REQUEST. 12“1112 Vhdreses Wird = Me Edit 1 21111111111MI efts* Use Ilieese Flow "Ckeettes,Illesedeir aleawdaseliesesselookskoestiesoseeo ONE Tee, Doe 11, 2.122:11$ pm To: *aogilersetpikeeretithsseser 4au4lko1e1ollmermideouseene Mask krogellalag Hello Angelina There is a second Nen shaming on the Settement Statement/HUD 1. We alit need the Nen release or demand from the second Nen. FHA edll reef give 2500.00to the seared lien to dew it out . iNte need to , know if they orM except the 25011.00to dear lien. FHA is wants* except 67,791.21) as the molt of the short sale if the second lien holder except the MUM Must have a letter from the second hen holder skating they or going to except the BOO as the payo Ricardo A. Cheeres Short Sale 011Spedalist , Short Sales Department Sank of America Home loans Office: 904.211111354 augmfAinericaliffr HOMO WIN Ficenseraner: For tweak= isondne an FHASUSOPJVA Shod Sdo or Dead in Lieu plows cd 1.11/811110.1232. 1 you do not node a tampons, edits too (2) Winne days, peewee coated ray metteger, IIIiitikyrt111141231 05 Or atakialmillorishrodatim , visft the kW Esteiefteat lieseurce Comer at tmedrelowswitrieseireelmealeigno far sdeostlamal Odes, otow,, end resources to help amok* short sale at Basket america. This toesssue, and anyalleduseele„ is target iskinded tedpient(s) oak inayeealekt Intemedion Solis eddleged„ oonideriel andlar progidesayand sobleetleirponetitiemes ari toodlllees imotilite at ' hiplikeembeekaistesolooemaisteeldiedskeer. Wyse stonelike latanded teelpleat, Osseo delelelido eisesage. Copyright* 20034012. MI tighb sesseved. assatsamwoormwaterliatiiikamulle~arrO37/11ple0111~604 VI 1al11/12 .41111111111011 Pia MI Soi 4oct Lion floksso PAW Ni A quicasdnudwourenndwiwasidiakoans* Mac Too, Doc 11, 1221S Tim l'arapitaarragstreemahlemasor Mask Iwoollitas - - — Hello Angelina There b a second lien showing on the Settlement Statentent/HUD 1. We will need the Nes release or demand from the second l only give 25011.00to the second lien to deer it out . We need to know if they oda except to dear lien. FHA is against° except 67,754.10as the payoff ot the short sale if the second ken holder except the 2900.00. Must have a letter from the second lien holder stating they or going to except the 2500 as the payo Rka,,A. Cheeres Short Sale Olt SpedaNst Short Sdes Depotwent Bank of America Home loans Office: 9012=3M Bindi of America 10. Home Loans Honwowner: For *nations mpoiding on IMAIUSDANA Short Sin or Deed in thou Oro ail 1.111111.11110.1232. you do not most. e 'espouse within two (2) twoineas dor" plane contact wry moswear, NMI NW at Ma 218 OW � aliallellardrimidema lasit the SW Estlielatat Rescur= t aMor at binewlasewlommolirodustatompunt fur ado guides, owls, and resources to Islip comploes short safest Moak at lemerica. This message, and awalkoduseds. is forint indended oft asoycomain intonnalion *Wit pridlomod, cordidonad andicepropdstryand sublectio ismosartions and ardleses imillablis at hiptoww.boodwilonadasconsionsaldlodoimor. Wyou aui tandod sodpiont. pingo diets ado woosogu Copyright° 20034012. MVOs nosoned. arailtesamwrowasimmtpestriamospmeambeiviwo 1311/12 1111Whigus II Islord Pat S ili t limit flohno Raw Vita moos, Nowit ' Oros Tao, Doc 11, 2812 21IS pm To: halo MoisNtag Hello And ?here is a second lien showinoan the Settlement Statement/HUD L We wNl need the Nen release ar demaid Bun the second New FHA will only sire 2900.00tosdhe second Ben to dear it out , We need to know If they if they via except the 2500.01/to dear limn. RA is waNngtoewes 64791.30 as the mon ef the short sale if the second lien holderesoeptthe 25100.011 Must have a letter from the second lien holder stating they or going to except the 2500 as the pays . Ricardo A. Chee,e s Short Sale ON. Spedalist I Short Sales Department B ank of America Home loans Office:90t.2l3`tZB54 I col ' Nome Loans Homeowner Far quaslions n1110eedng an FHARlSONYA Molt Sido or Dssd in Lion piens call 1.6011.1110.1232. D You do not nooks a iesponse slab Mop) business days, plane cordon my aheniger, Viii Mop at Oa 21* 0627 ar art alialmilialmit Visit the lied £stagellaoat innotrae Caner at beinnurrionosaftranweagnapat br educational guides, awn, and d renames to alp oaahplenta short salen eatet America. This ansssago. and any , Istria i eindod wdpioaa)arolj a .yi. nan inikonstion Ostia prhiogod, couidseid anW*peopdetsnitand mijeotto oeponamtire■ss an caatIlloas ar a iio at Medharathonholhotosiaacoonhatailkliodoloor. Wynn auontot.*inanegal "Wiping. pane aka as raooaoes. Copyeigleo 2003-2012. M Vet wsaersd. saiNiasswassetteramihridalioriftwatnummosirarreims vi IX11/12 Illlaiwar Wire = PAIN Edit 1 failaallat $ e Nect Lies 11 Wens Pam °Cheeses, Illissedier 4efesedssaisawaffiaskiarseefeezallo OsSe: Tee, Own, 2.12209 goo Tec "arwissorsqrslieemabilraxele AlalliNisei■drserradminviasins fearac lesagelletag - ----- Heat. Angelina , There is a sectord Nen dominion the Setdon ementMUD I- We will need the Nen release ' or demand from the second Nen. FHA will only give 250110010 the sea...dam to dear it nit. We need to know if they wifi except the 2500.1)Dto dear Hen. FHA is wangle adept 67,754.2Das the payoff of the short sale if the second Men holder except the ZOOM )( Must have a letter from the second lien holder stating they or going to except the 2500 as the PaYo 4 - Ricardo 1t (Weems Short Sale DILSpedalist Short Sales Department Bard( of Merl= Home Loans Office: 9042181854 BanitefAmeric' a I. Neuseiams Homemmor: For (podia's mg ading an FHNUSDNVA Short Solo or Dm! is Liu pima ad 1.11011.0110.1232. II you do not twelve a response eillhkt taw (2) business days, plans =MO my 611111Millf, 011ie Moy as SIN 2111 ' Own aratailL1110111161011111diallot visa the Ikei Estesegiseat Resew= Cense at boolloformicaamitudostatoarot for adocationd guides, mos, and resowces to help ceneise a short %Meat Soak of Anoka_ Ibis olossam mod anyolltdononto, is trio itiondod socipioNgs) wig taoycootait informalon Suit* pdtilsesd, 000lldonlid NEW poopisioyamid sobjectio impoduetIonas awl otollloos smilleile at ' hilpItaravabeakellismadts.cassimaildisdslomer. Ityasavesetlielalondsd oselpismit Osseo *Me Ids messags. Cepright02003-2012 ./1101ghis moved. amenlAsenimserveuuNvisoupolkplur•21171111111111101111.13.1Pa041 VI 12/11/12 111Wkipsoe Pal fat 1 Om zt Lise itelesno I t e m " C l o w a s s , Ilicanks X' 4slareasiswasaakaidamainmoso Maw Tug, Omit 2S122 po Tec 4111110116111111110161141111111111116kWeelliW Mack lamage011tipi - - - -- Hello There is a second Ben showing on the Setdement Statement/HUM. We min meddle Ikon release or demand hum the second Hen. RII emly give 2Sektlitto the second lien to dear* out . We need to know if they IMO except the 2509.00to dear Hen. FHA is MM. toexcept 67,7542Das the payoff of the shoot sale if the second lien holder except the 2500110. Must have a letter from the second lien holder stating they or going to except the 2500 as the pay Ricardo A. (beeves Sho,tSsIeOSLSpedaIlst Short Sales Deparbnent Bank of America Home loans Office: 904.21&0354 BindlefAmericallP*IismeLoans Homeowner For gusstions tegoding as RIAMIONVA Short S or Dad is tio• ion cid 1.888.8110.1232. Ryon do not swabs • aniponse uildn (2)bminses drys, plume coated my inermapr, Idelp at 104 218 I 05 ar 1111111101ft irkindosra Visit*, OW EstateNpst Resource °mew at beidemarlascontimestestatalapat for educe/tonal glades, um, and resources to beta aumplemea short sale at Doak of Ansedca. This soossaga, and anyaSsinents, brae Wended sucirpissIts) oats wrayosalais idenualloes testi Oilseed, cosileirold soar nmeitaryand suistb isponsituwass mad ansions swami at htleasawationliiisioacounimaaildisdainer. iflos ano notes* lalandad modpiset. pleas* dila Ids isaages. Copydahte 2803-2012. MI dui somensui. essabl&ouwassometriatvfm_ps•Will11111101111d3m1Ps141 111 u II IilVpi II II ou it lil� IIVI g (p '''''.4 ' 4 Ocean Avenue Update he Community Red, , - Agency offers funding Art Dm ivE' or i 1 >rograms to assist b— ocating to the CRA's : "r:ean AvEr r. n ,650 acre District '9, as a direct result of d-wntcwn E /tit . ,1 hese programs, 217 Y,: ins have been created: S i''' nay 't 1 ! ' ` 'y s . Commercial Facade Improvements I"It ni.✓t// d J New concert serves offer i " ' r .. 50 % matching funds, up to $15,000, , performed in Veteran's f'i7 � for exterior Improvements. ,, of Ocean Avenue and NE i i,pay play from 12 - 3 p m on too • Interior Build - out March 3, April 7 and Ma', 50% matching funds, up to $22,500, in BELQRE initial costs related to interior construction. Su cimtbl Tree Art is "ri, : The CRA funded colorful I s • Rent Reimbursement hang from trees along 0:: : i Financial assistance in subsidizing rent the Specimen Tree Art Prol , payments, up to a maximum of $7,200 II copper, stained glass chid : used to create lifelike fist, E Funding is limited and awarded to glowing orbs, Illuminated ', qualified applicants, on a first come, AFTER - - first serve basis. International Kinetic i :, A,tig,,,,,,, and Symposium Business owners, are you feeling stressed? Mark your Artists from South Florid:: r , calendars to join us February 21 from 6 to 8 p.m. at the making preparations for th , t II 1 I Boynton Beach City Library for a free seminar, Exhibit and Symposium co r : I I' February 8 - 10, 2013. Si >: E "Grow your business by working smarter, not harder!" 2013 public sculptures are on :Ii 1 INTERNATIONAL P P KINETIC ART outdoor kinetic art exhibit, Ei OPENING SOON, EXHIBIT and SYMPOSIUM butterfly that makes a whii 1 I HI IN DOWNTOWN BOYNTON BEACH! BOYNTON BEACH HONDA wings. wv,w Intlkineticcri , • Movies on hi I At Las Ventan Jan 4, Feb 1 at c I ", 1 1 1417 South Federal Highway ..19": April 5 and Ma, 1 Biergarten :. ... B ring your lawn I :1 1 1 1, 11,1.01 I Ocean Avenue ;, 1 r� �I�E' Featuring a European - style, 6,000 sq ft tavern MOVIE . rr and "pub- style" menu of bratwurst, sliders and m IllOfFk) 011 T �yt watch first-run c E ;'n P self serve imported beer on to p Food and drink c ii (11,10 I ,i I;Iu 1 11 At Sunshine Square Ocean Avenue I I I I c I I I I ' . !id; I t I! Woolbright Road and Federal Highway Jan.18, Feb I:i rn I' Tijuana Flats �� 1 April 19 and M ats in, ;' Iii , -r , ■ i TI J� 1k j So you think yol Jr! !tri■ ,,Y Weird, wild, Insanely good Tex -Mex food! FLATS •, - Show off your nrE < ,as irk 1 1: :1: rc1 Ocffln flvfnur at the Ocean A:'E i \rnl :rhi heat 1 Smashburger smastlOW CONCERT SERIES music by local i:c� :r, I(,c :�: ncl n11 in r+j available for pun Ho!. Me secrets in the Smash 1 Community Ely' mier i 1141, Illl,ei : n B Year round, eve- ktiifd :s Panera Bread /. ? ;, - reshly baked artisan breads and pastries , ;' Stroll the isles of Ili :,h prc:+E e, along with a Cafe menu. fi READ * BREAD home - made des sr rls, pet Into vs, Fri 4.1 '` 1` 3 flowers and plant 1 arrdr i ale It ',E I and artisanal goodies! Loontecl on OH my. southeast corner I f B :aynti :Il 13E41:11 Community Fanners Market Boulevard and Federal Highway BOYNTON Visit BoyntonBeachCRA.com and Register to Receive Ern amaNBEACH CRA About the Latest Boynton Beach News and Information! 710 North Federal Highway, Boynton Beach, FL 33435 II Facebookcom /BoyntonBeachCRA Ip I wait: , itiB -, A Phone: 561 • Fax 561 737 - 3258 i(. 7Y,4 u - • • ■ 111111 El AIIII0( fflOVW 011 TIII J1VL €ht 4 ' p Y Friday January 4, 2013 7:00 PM Trouble with the Curve PG -13, Starring Clint Eastwood and Amy Adams Friday February 1, 2013 7:00 PM The Odd Life of Timoth Green PG Starrin ' Jennifer Garner Friday March 1, 2013 7:00 PM Won't Back Down PG, Mag • ie G Ilenhaal and Viola Davis Frida April 5, 2013 8:00 PM Friday May 3, 2013 8:00 PM , o w,r , S k fi f t � BOYNTON r D A i 1 ,, 1 ,., 1 ; , , i ,, „( i , i ), ,., a u Ar unday 4\ii., ii. the 0 , in, 1 r► . :-/;, ijr e e J (..----.'ree Sun. Jan. 6'2 013- Iim , Sunday, Jan. 6 , 2013 Sun. Feb* 3, 2013 - Live � Mar. 3,2013..uveM+ c Cannon and Cohen sun. APO' 2013 ILLIvi,:Wistitu: "Acoustic Blues" Su sun. MaY5.2013 12pm - 3pm { Come Out and Enjoy One of , Downtown Boynton Beach's `� ' " Local Eateries for Casual �' Dining of Brunch or Lunch! �' Afte take a Stroll Ir . to the Park for Some ' ° = -, Afternoon Fun in the Sun! NE corner of E Ocean Avenue and NE 4th Street ,,v BOYNTON' C BEACH: RA Boynton Beach Community Redevelopment Agency 710 North Federal Highway, Boynton Beach, Florida 33435 Phone: 561- 737 -3256 Web: www.boyntonbeachcra.com CRA Board Meeting December 11, 2012 Additional Backup for New Business Agenda Item: XIV C Page 1 of 2 Simon, Michael From: Angelina Namia [angelinaesquire @namialaw.com] Sent: Tuesday, December 11, 2012 3:10 PM To: Simon, Michael Subject: Thomas file. important e-mail from BOA Importance: High Hi again Michael, If you could please add the e-mail below to the Board's documents, I believe this is the missing link we were waiting for in order to get a final decision and finally move forward on this file. I look forward to resolving this matter at tonight's meeting. Thank you for all your help' Very truly yours, Angelina Angelina Namia, Esquire Law Offices of Angelina Namia, PLLC 123 N Congress Avenue, #398 Boynton Beach, FL 33426 -4209 954 - 328 -2772 Angelinaesquire@namialaw.com www.namialaw.com This e -mail message and any attachments are intended solely for the use of the addressee and may contain information that is confidential and /or privileged. If you are not the intended recipient of this message, you are prohibited from reading, disclosing, reproducing, distributing, disseminating or otherwise using this transmission. If you have received this message in error, please promptly delete this message from your system. Thank you. Original Message Subject: Lien Release From: "Cheeves, Ricardo A" < rcardo .a.cheeves @bankofamerica.com> Date: Tue, December 11, 2012 2:38 pm To: "angelinaesquire @namialaw.com" < angelinaesquire@namialaw.com> Hello Angelina There is a second lien showing on the Settlement Statement /HUD 1. We will need the lien release or demand from the second lien. FHA will only give 2500.00 to the second lien to clear it out . We need to know if they will except the 2500.00 to clear Lien. FHA is willing to except 67,754.20 as the payoff of the short sale if the second lien holder except the 2500.00. Must have a letter from the second lien holder stating they or going to except the 2500 as the payoff. Ricardo A. Cheeves Short Sale DIL Specialist 1')/11/7(117 Page 2 of 2 Short Sales Department Bank of America Home Loans Office: 904.218.0354 Bank of America ' ' Home Loans Homeowner: For questions regarding an FHA/USDA/VA Short Sale or Deed in Lieu please call 1.866.880 1232. If you do not receive a response within two (2) business days, please contact my manager, Nikki May at 904 218 0527 or at Nikki.May @bankofamerica.com Visit the Real Estate Agent Resource Center at bankofamerica .com /realestateagent for educational guides, news, and resources to help complete a short sale at Bank of America. Confidentiality Notice: This communication may contain privileged and /or confidential information. It is intended solely for the use of the addressee If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing or using any of this information. If you receive this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hard copy This communication may contain nonpublic personal information about consumers subject to the restrictions of the Gramm - Leach - Bliley Act. You may not directly or indirectly reuse or re- disclose such information for any purpose other than to provide the services for which you are receiving the information This message, and any attachments, is for the intended recipient(s) only, may contain information that is privileged, confidential and /or proprietary and subject to important terms and conditions available at http: / /www.bankofamerica .com /emaildisclaimer. If you are not the intended recipient, please delete this message. 12/11/2012 4 't t y 1 . ,_ 1 ii .,, : .., i CN — ' , ! "3 - —4 1 _ inyIs Jet r� % l t 1 x a g. • i I M l it i ; i ' x ' 3- 9TAT.E * OF'FLORIDA JUSTICE ADMINISTRATION EMPLOYEE EARNINGS' STATEMENT . ALTERATION OF THIS DOCUMENT FOR THE PURPOSES OF COMMITTING FRAUD MAY RESULT IN CRIMINAL PROSECUTION' AND /OR DISMISSAL. KELLY M THOMAS Id Number = XXX - XX Pay Date = 11/30/2012 1763 NE 6TH ST Pay Period = 1111/2012. 11/30/2012 Retirement Code = HA BOYNTON BEACH, FL 33435.3509 Number of Allowances = 0 EFT No. = 1189370 Marital Status= SINGLE • THIS PAYMENT YTD PAYMENTS REGULAR WAGES 2,830.19 30,715.39 TOTAL INCOME 2,830.19 30,715.39 LESS: MEDICARE TAX 37.64 408.04 SOCIAL SECURITY 109.04 1,181.91 WTHHOLDING TAX 313.56 3,388 51 OTHER DEDUCTIONS 318 97 3,496.17 NET PAY: 2,050.98 22,240.76 STATE HEALTH INS - EMPLOYER CONTRIB • 1,063,34 11,696.74 STATE LIFE INS- EMPLOYER CONTRIB 4.54 49.94 DEDUCTIONS: 49 PTB STATE HEL INS -FT EMP'E CTRB 180.00 1,980.00 * ** 80 FLA RET SYSTEM - EMPLOYEE CONTRIB. 84.91 921.51 * ** 103 PRETAX DENTAL INSURANCE 54.06 594.66 * * *. * Employer Not Required to Withhold Tax ** Items Not in Net Pay * ** Tax Sheltered [THOMAS, KELLY 1189370 11/30/2012 2050 98 XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX) Company Code Number Page Earnings Statement RA / DGE 20027511 1567814 1 of 1 g CREDIT CARD MANAGEMENT SERVICE INC • 1325 N CONGRESS AVE Period Starting: 11/11/2012 SUITE 201 Period Ending: 11/24/2012 WEST PALM BEACH, FL 33401 Pay Date: 11/30/2012 Taxable Marital Status: Single Exemptions/Allowances Tax Override: Kelly M Thomas Federal. 0 Federal. 1763 NE 6th St State: 0 State: Local: 0 Local. Boynton Beach, FL 33435 Social Secunty Number: XXX -XXf1111.11 Earnings rate hours this period year to date Regular 8.50 13.53 115.01 3782.31 Bonus 0.00 500.00 Gross Pay 5115.01 $4,282.31 Deposits account number transWUABA amount Statutory Deductions this penod year to date XXXXXX4567 XXXXXXXXX 105.29 Federal Income -3.23 225.64 Social Security -4.83 179.86 Medicare -1.66 62.09 Net Pay S105.29 ID m NI 1i N! L m Q ¢I U, C' al 0� O N p Rl ol 6 ' W 1 W 2 Your federal taxable wages this period are $116.01 w i I- _ • 9 ` /EPItF /Jr_ UlhiBlift1Ur- 1EJ11'Jr.lri -L�J! U;, =U:; . ,i,J .-- 1 11 (i),,_'i;;.J'J. ' '.,1 = `/=i1. /Fi'i' i F;i .,r rVP7r.) Liriilf =Fl A7 J"ffOl r11 1 ` l CREDIT CARD MANAGEMENT SERVICE INC r I _ SUITE 20 GRFSS AVE Pay Date 11/30/2012 �; ■ WEST PALM BEACH, FL 3340 :,i,. Deposited to the account account num 1 transit/ABA amount - Checking DlrectDepostt X XXXXXXXXX 105.29 'y . 1 W ' is t yk 11S , x . rr1E j Jr -Ji .,! JJJU■1?11r r4 .;,1. _ _ ,_ _- . - _ _- ' 1`_,_J„ , u .,11C,LE i,J /1H Y'L1=,1 :r1::',,' ,IV, rH= 2iJLUA-?M =,lr IN BOYNTON cA BEACH CRA BOARD MEETING OF: December 11, 2012 Consent Agenda X Old Business New Business Legal j Executive Director's Report SUBJECT: Consideration of Request from Homebuyer Assistance Program (HAP) Grant Recipient Erica Poag to accept the Terms of Short Sale Negotiations SUMMARY: On August 14, 2007, the CRA Board approved a Homebuyer Assistance Program (HAP) Grant in the amount of $50,000 to Erica Poag for the purchase of her home located at 1759 NE 6 Avenue, #1209, in the Preserve and closed on her newly constructed home in December 2007. On October 28, 2012, CRA staff received an email from Ms. Poag requesting the opportunity to present the terms of her short sale proposal at the Agency's November 13, 2012 Board meeting (see Attachment I). At the November 13, 2012, the CRA Board granted tentative approval of the presented short sale terms and the request to accept repayment of $6,000 in HAP grant funds at closing. The CRA Board granted this tentative approval pending review of additional closing documentation to be submitted Ms. Poag which was received on December 10, 2012 (see Attachment II). Ms. Poag is not currently in foreclosure but as not made a mortgage payment in September or October 2012. The conditions of the short sale offer being presented is as follows: Original Purchase Price: $239,990 Current Short Sale Offer: $105,000 Original First Mortgage: $186,109 Bank Accepted Repayment: $ 85,014 Original CRA 2nd Mortgage: $ 50,000 Proposed CRA Repayment: $ 6,000 ADDITIONAL BACKGROUND: In December 2006, the developers of The Preserve, Boynton Village, LLC, received approval from the CRA Board to enter into a Direct Incentive Funding Agreement (DIFA) for the creation of 50 affordable housing opportunities. Under the Second Amendment to the DIFA approved by the CRA Board on October 12, 2010, the Agreement was amended to allow at least 100 units be designated as Affordable Access Rental Units for households earning 60% of median income or less despite out spoken objections by HAP grant recipients and other Preserve residents at both the CRA and City Commission meetings. As a result of the nationwide Chinese Drywall epidemic, many of the units at the Preserve were built with the drywall and were subject to mitigation measures. HAP grant recipients occupied the majority of these affected units. In addition to the CRA's financial obligations to the developer set forth under the terms of the DIFA, the Agency has provided $945,000 in CRA HAP grant funding to nineteen (19) income eligible recipients for the purchase of these affordable units in the Preserve. Eleven of these grant recipients are in various stages of the foreclosure process (see Attachment III). FISCAL IMPACT: Recovery of $6,000 in Homeowner's Assistance Grant Program Funding. CRA PLAN, PROGRAM OR PROJECT: CRA Redevelopment Plan, Heart of Boynton Plan RECOMMENDATIONS /OPTIONS: Provide staff direction. ;: r ( - Michael Simon, Development Director T.\AGENDAS, CONSENT AGENDAS, MONTHLY REPORTS \Completed Agenda Item Request Forms by Meeting \FY 2012 - 2013 Board Meetings \Dec 211121HAP Pnan ronct fnr chnrt colt forme rinr ATTACHMENT I Experian - Printable Full Report Page 1 of 13 • •• • ® Close window • •: : Expe • • A world of insight Online Personal Credit Report from Experian for Experian credit report prepared for Index: , Print report KELLY THOMAS - Contact us Your report number is - Potentially negative items 3559 - 2534 -84 - Accounts in good standing Report date: - Requests for your credit history 12/11/2012 - Personal information - Important message from Experian - Know your rights Experian collects and organizes information about you and your credit history from public records, your creditors and other reliable sources. By law, we cannot disclose certain medical information (relating to physical, mental, or behavioral health or condition). Although we do not generally collect such information, it could appear in the name of a data furnisher (i.e., "Cancer Center") that reports your payment history to us. If so, those names display in your report, but in reports to others they display only as "Medical Information Provider." Consumer statements included on your report at your request that contain medical information are disclosed to others. To return to your report in the near future, log on to www.expetian.com /consumer and select ' View your report again" or "Dispute" and then enter your report number. If you disagree with information in this report, retum to the Report Summary page and follow the instructions for disputing. Contact us back to top Need to view your report again or dispute information? Access your report online at www.experian.corn/viewreport. You may also contact us by mail at: NCAC P.O. Box 9701 Allen, TX 75013 Or, by phone at: 1 800 493 1058 Monday through Friday, 9 am to 5 pm in your time zone. Potentially Negative Items or items for further review back to top This information is generally removed seven years from the initial missed payment that led to the delinquency. Missed payments and most public record items may remain on the credit report for up t0 seven years, except Chapters 7, 11 and 12 bankruptcies and unpaid tax liens, which may remain for up to 10 years. A paid tax lien may remain for up 10 seven years. Transferred mounts that have not been past due remain up to 10 years after the date the account was transferred. Payment history legend OK Current/Terms of agreement met VS Voluntarily surrendered 30 Account 30 days past due R Repossession 60 Account 60 days past due PBC Paid by creditor 90 Account 90 days past due IC Insurance claim 120 Account 120 days past due G Claim filed with govemment 150 Account 150 days past due D Defaulted on contract 180 Account 180 days past due C Collection CRD Creditor received deed CO Charge off FS Foreclosure proceedings started CLS Closed F Foreclosed ND No data for this time period Credit Items https: / /www.experian.com /consumer /cac /FullReport.do 12/11/2012 Experian - Printable Full Report Page 2 of 13 For your protection, the last few digits of your account numbers do not display. BANK OF AMERICA, N.A. Address: Account Number: 4161 PIEDMONT PKWY 2263. GREENSBORO, NC 27410 (800)451-6362 Address Identification Number: 0544496827 Status: Open $1,105 past due as of Oct 2012. Status Details: By Jul 2019, this account is scheduled to go to a positive status. Date Opened: Type: Credit Limit/Original Amount: 01/2009 FHA Mortgage $163,817 Reported Since: Terms: High Balance: 08/2009 30 Years NA Date of Status: Monthly Payment: Recent Balance: 10/2012 $1,105 $155,310 as of 10/2012 Last Reported: Responsibility: Recent Payment: 10/2012 Joint with TEASHA THOMAS Your Statement: Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act) Payment History: 2012 2011 OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK ND 2010 2009 FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP OK OK ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Account History: 30 days past due as of Oct 2012 Balance History - The following data will appear in the following format: account balance / date payment received / scheduled payment amount / actual amount paid Sep 2012. 5155,310 / September 10, 2012 / $1,105 / no data Aug 2012: 5155,518 /August 7, 2012 / 51,105 / no data Jul 2012: 5155,724 / July 6, 2012 / 51,105 / no data Jun 2012: $155,930 / June 7, 2012 / $1,105 / no data May 2012. $156,134 / May 4, 2012 /$1,105 /no data Apr 2012: 5156,433 /April 5, 2012 / $1,105 / no data Mar 2012: 5156,635 / March 8, 2012 / 51,105 / no data Feb 2012: 5156,836 I February 8, 2012 / 51,105 / no data Jan 2012: 5157,131 / January 6, 2012 / 51,116 / no data Dec 2011: 5157,4131 December 30, 2011 / 51,116 / no data Nov 2011: $157.614 / November 18, 2011 /51,116 / no data Oct 2011: $157,811 / October 6, 2011 / $1,116 / no data Sep 2011: $158,040 / September 9, 2011 / $1,116 / no data Aug 2011: $158,268 /August 5, 2011 / 51,116 / no data Jul 2011: 5158,461 / July 7, 2011 / 51,116 / no data Jun 2011 $158,653 /June 6, 2011 / $1,116 / no data May 2011: $158,878 /May 6, 2011 / $1,116 / no data Apr 2011: $ 159,102 / April 7, 2011 I $1,116 / no data Feb 2011: $159,480 / February 4, 2011 / $1,116 / no data Jan 2011: $159,671 / January 7. 2011 / $1,304 / no data The original amount of this account was 5163,817 CAPITAL ONE Address: Account Number: PO BOX 30281 423340805070. SALT LAKE CITY, UT 84130 (800) 955-7070 Address Identification Number: 0688806617 Status: Paid,Closed. $468 written off. Date Opened: Type: Credit Limit/Original Amount: 05/2009 Credit card 5300 Reported Since: Terms: High Balance: 06/2009 NA 5628 Date of Status: Monthly Payment: Recent Balance: 11/2012 50 NA Last Reported: Responsibility: Recent Payment: 11/2012 Individual NA httnc: / /www exnerian _cnm /eoncnmer /eac /F1111Rennrt do 19/11/9(11? Experian - Printable Full Report Page 3 of 13 Creditor's Statement: Account closed at credit grantor's request. Payment History: 2012 2011 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR CLS CO CO CO CO CO CO CO CO ND 150 120 90 120 90 60 30 OK OK OK 2010 2009 MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG OK OK OK OK OK OK OK OK OK 60 30 OK OK OK OK OK OK OK OK OK JUL JUN OK OK Account History: Charge Off as of Oct 2012, Sep 2012, Aug 2012, Jul 2012, Jun 2012, May 2012, Apr 2012, Mar 2012 150 days past due as of Jan 2012 120 days past due as of Dec 2011, Oct 2011 90 days past due as of Nov 2011, Sep 2011 60 days past due as of Aug 2011, Jun 2010 30 days past due as of Jul 2011, May 2010 Balance History - The following data will appear in the following format: account balance / date payment received / scheduled payment amount / actual amount paid Oct 2012 30 / October 2, 2012 / no data 1 no data Sep 2012: $133 / August 31, 2012 / no data / no data Aug 2012: $188 / July 27, 2012 / no data / no data Jul 2012: 3338 / June 7, 2012 / no data / no data Jun 2012. 5468 / March 2, 2012 / no data / no data May 2012: $468 / March 2, 2012 / no data / no data Apr 2012: 5468 / March 2, 2012 / no data / no data Mar 2012: 3468 / March 2, 2012 / no data / no data Jan 2012: $581 / November 10, 2011 / $52 / $45 Dec 2011: $534 / November 10, 2011 / $50 / $45 Nov 2011: $489 / November 10, 2011 / 350 / $45 Oct 2011: 5489 / May 10, 2011 /$49 /$38 Sep 2011: 5444 / May 10, 2011 / $48 / $38 Aug 2011: $401 / May 10, 2011 / $46 Jul 2011: $358 / May 10, 2011 / $45 / $38 Jun 2011: 5316 / May 10, 2011 / $24 / $38 May 2011: $238 / May 10, 2011 / $15 / $38 Apr 2011: $270 / March 4, 2011 / $23 1 $15 Mar 2011 :3245/ March 4,2011/$15/$15 Feb 2011: 5251 / February 3, 2011 / $15 / $50 Jan 2011 5295 / January 3, 2011 / $15 / $15 Dec 2010. $279 / December 1, 2010 / 515 / 515 Between Dec 2010 and Oct 2012, your credit limit/high balance was 5300 COMENITY BANK/ANNTYLR Address: Account Number: PO BOX 182789 585637303312.... COLUMBUS, OH 43218 No phone number available Address Identification Number: 0688806617 Status: Account charged off. $1,943 written off. Status Details: Thls account is scheduled to continue on record until Jan 2018. Date Opened: Type: Credit Limit/Original Amount: 03 Charge Card 51,620 Reported Since: Terms: High Balance: 04/2007 NA $1,943 Date of S tatu s : Monthly Payment: Recent Balance: 10/2011 $0 $1.943 as of 11/2012 Last Reported: Responsibility: Recent Payment: 11/2012 Individual $0 Payment History: https://www.experian.com/consumer/cac/FullReport.do 12/11/2012 Experian - Printable Full Report Page 4 of 13 2012 2011 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR CO CO CO CO CO CO CO CO CO CO CO CO CO CO 180 150 120 90 60 30 2010 2009 MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2008 2007 JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK NOV OCT SEP AUG JUL JUN MAY APR OK OK OK OK OK OK OK OK Account History: Charge Off as of Oct 2011 to Nov 2012 180 days past due as of Sep 2011 150 days past due as of Aug 2011 120 days past due as of Jul 2011 90 days past due as of Jun 2011 80 days past due as of May 2011 30 days past due as of Apr 2011 Balance History - The following data will appear in the following format: account balance / date payment received scheduled payment amount / actual amount paid Oct 2012: $1,943 / March 12, 2011 / no data / no data Sep 2012: $1,943 / March 12, 2011 / no data / $74 Aug 2012: $1,943 / March 12, 2011 / no data / $74 Jul 2012: $1,943 / March 12, 2011 / no data / $74 Jun 2012: $1,943 l March 12, 2011 / no data / $74 May 2012: $1,943 / March 12, 2011 / no data / $74 Apr 2012: $1,943 / March 12 2011 / no data / $74 Mar 2012: $1,943 / March 12, 2011 / no data / $74 Sep 2011 $1,902 / March 12, 2011 / $95 / $74 Aug 2011: $1,829 / March 12, 2011 / $91 / $74 Jul 2011: $1,756 / March 12, 2011 / $88 / $74 Jun 2011 $1.685 / March 12, 2011 / 584 / $74 May 2011: $1,616 / March 12, 2011 / $81 / $74 Apr 2011: $1,548 / March 12, 2011 / $77 / $74 Mar 2011 $1,556 / February 7, 2011 / 578 / $100 Feb 2011 51,489 / February 7, 2011 / $74 / $100 Jan 2011: $1,327 / January 3, 2011 / $66 / $64 Dec 2010: $1,288 / December 3, 2010 / $64 / 558 Between Dec 2010 and Oct 2012, your credit IimiVhlgh balance was $1,620 ENHANCED RECOVERY CO LLC Address: Account Number: Original Creditor: 8014 BAYBERRY RD 54862771 AT T JACKSONVILLE, FL 32256 (800) 496 -8941 Address Identification Number: 0688806617 Status: Paid.Closed Date Opened: Type: Credit LimiVOriginal Amount: 08/2011 Collection $274 Reported Since: Terms: High Balance: 10/2011 Months NA Date of Status: Monthly Payment: Recent Balance: 04/2012 $0 NA Last Reported: Responsibility: Recent Payment: 04/2012 Individual NA Payment History: 2012 2011 APR MAR FEB JAN DEC NOV OCT CLS C ND ND ND ND C Account History: Collection as of Mar 2012. Oct 2011 FIRST USA Address: Account Number: PO BOX 15298 426684103175 WILMINGTON. DE 19850 (800) 955 - 9900 Address Identification Number: 1'1/1 1 /'1/11') Experian - Printable Full Report Page 5 of 13 0074672367 Status: Paid,Closed. Date Opened: Type: Credit Limit/Original Amount: 03/2005 Credit card $1,500 Reported Since: Terms: High Balance: 04/2005 NA $2,536 Date of Status Monthly Payment: Recent Balance: 10/2007 NA Last Reported: Responsibility: Recent Payment: 10 Individual NA Creditor's Statement: Account closed at credit grantors request. Payment History: 2007 2006 OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR CLS OK OK OK OK OK OK OK OK OK OK OK OK 30 OK OK OK OK OK 60 2005 FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR 30 OK OK NO ND OK OK OK OK OK OK Account History: 60 days past due as of Mar 2006 30 days past due as of Sep 2006, Feb 2006 GULF COAST COLLECTION Address: Account Number: Original Creditor: 5630 MARQUESAS CIR 2845590 FL UNITED RADIOLOGY -PALMS WE SARASOTA, FL 34233 (877) 827 -4820 Address Identification Number: 0385069620 Status: Collection account $90 past due as of Dec 2012. Status Details: This account is scheduled to continue on record until May 2014. Date Opened: Type: Credit Limit/Original Amount: 11/2007 Collection $ Balance: Reported Since: Terms: N A 02/2008 1 Months Date of Status: Monthly Payment: Recent Balance: 02/2008 $0 $90 as of 12/2012 Last Reported: Responsibility: $ Payment: 1212012 Individual Payment History: 2012 2011 DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY C C C C C C C C C C CC C C C CC C C C 2010 2009 APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP C C C C C ND C C C C ND C C ND C C C ND C C 2008 AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB CC CC C C C C C C C C 0 C ND C C C C Account History: Collection as of Dec 2010 to Dec 2012, Jul 2010 to Oct 2010, May 2010, Apr 2010, Feb 2010, Jan 2010, Dec 2009. Oct 2009. Jul 2008 to Sep 2009, Feb 2008 to May 2008 NCO FINANCIAL/33 Address: Account Number: Original Creditor: CORP SQUARE BLVD- BLDG2- 16099702 PALMS WEST HOSPITAL STE100 ATLANTA, GA 30319 (800) 786 -9330 Address Identification Number: 0385089620 Status: Paid.Closed. Date Opened: Type: Credit Limit/Original Amount: 01/2008 $9 $915 Reported Since: Terms: High Balance: 03/2008 NA Date of Status: 1 Months Recent Balance: 05/2008 Monthly Payment: NA https://www.experian.cotn/consurner/cac/FullReport.do 12/11/2012 Experian - Printable Full Report Page 6 of 13 Last Reported: $0 Recent Payment: 05/2008 Responsibility: NA Individual Payment History: 2008 MAY APR MAR CLS C C Account History: Collection as of Apr 2008, Mar 2008 Accounts in Good Standing back to too These items may stay or your credit report for as long as they are open. Once an account is closed or paid off it may continue to appear on your report for up to ten years. CHASE Address: Account Number: PO BOX 24696 52268030_ COLUMBUS, OH 43224 (800) 848-9136 Address Identification Number: 0688806617 Status: Open/Never late. Date Opened: Type: Credit Limit/Original Amount 06/2012 Auto Loan $16,485 Reported Since: Terms: High Balance: 06/2012 NA Date of Status: 72 Months Recent Balance: 11/2012 Monthly Payment: $15,920 as of 11/2012 44 Last Reported: Responsibility: Recent Payment: 11/2012 $344 Individual Payment History: 2012 NOV OCT SEP AUG JUL JUN OK OK OK OK OK OK Balance History - The following data will appear in the following format: account balance /date payment received / scheduled payment amount / actual amount paid Oct 2012: $16,077 / October 2. 2012 / $344 / $344 Sep 2012: $16,226 / September 4, 2012 / $344 / $344 Aug 2012: $16,379 / August 2, 2012 / $344 / $344 Jul 2012: $16,525 / July 3, 2012 / $344 / $344 Jun 2012 $16,668 / no data / $344 / no data The original amount of this account was $16,485 THE CREDIT UNION OF PALM Address: Account Number: 3469 SUMMIT BLVD 18056 WEST PALM BEACH. FL 33406 No phone number available Address Identification Number: 0074672367 Status: Paid,Closed /Never late Status Details: This account is scheduled to continue on record until Nov 2018 Date Opened: Type: Credit LimiUOriginal Amount: 03/2006 Auto Loan $3,200 Reported Since: Terms: High Balance: 03/2006 35 Months NA Date of Status: Recent Balance: Monthly Payment: 11/2008 $o NA Last Reported: Responsibility: Recent Payment: 11/2008 Individual NA Payment History: 2008 2007 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR CLS OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2006 MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR hs...,. / /......... s., «s « .sIrk 11/1 1 /1(11') Experian - Printable Full Report Page 7 of 13 THE CREDIT UNION OF PALM Address: Account Number: 3469 SUMMIT BLVD 18056.... WEST PALM BEACH, FL 33406 No phone number available Address Identification Number: 0688806617 Status: Paid,Closed /Never late. Status Details: This account is scheduled to continue on record until Jul 2022. Date Opened: Type: Credit Limit/Original Amount: 0412009 Auto Loan $12,272 Reported Since: Terms: High Balance: 04/2009 NA 64 Months Date of Statu Monthly Payment: Recent Balance: 07/2012 NA Last Reported: Responsibility: Recent Payment: 07!2012 Individual NA Payment History: 2012 2011 2010 JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC CLS OK OK OK OK OK OK OK OK ND OK OK OK OK OK OK OK OK OK ND 2009 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR OK OK OK OK OK OK OK OK OK OK OK OK OK OK ND OK OK OK OK OK Balance History - The following data will appear in the following format: account balance /date payment received /scheduled payment amount / actual amount paid Jun 2012: 56,494 / May 7, 2012 / 5250 / no data May 2012: $6,489 / May 7, 2012 / 5250 / $250 Apr 2012: $6,681 I April 4, 2012 / $250 / $250 Mar 2012: 56,815 / March 8, 2012 / 5250 1 5455 Feb 2012: $7,196 / February 6, 2012 / 5250 / 5250 Jan 2012: 58,361 / January 11, 2012 1 $380 / $250 Dec 2011: 57,296 / December 5, 2011 / $250 / $250 Nov 2011 $7,489 / November 7, 2011 / 5250 / $500 Sep 2011 57,860 / September 6, 2011 / $250 / 5250 Aug 2011: 58,037 / August 3, 2011 / $250 / 5250 Jul 2011: $8,227 / July 7, 2011 / 5250 / $250 Jun 2011: $8,401 / June 3, 2011 / 5250 / $250 May 2011: 58,579 / May 3, 2011 / $250 / 5250 Apr 2011: 58,761 / April 4, 2011 / $250 / 5250 Mar 2011: $8,932 / March 2, 2011 / $250 / $250 Feb 2011: $9,113 / February 2, 2011 / $250 / 5250 Jan 2011: $9,1581 January 3, 2011 / $250 / 5250 The original amount of this account was 512,272 Record of Requests for Your Credit History back to tor) Inquiries Shared With Others We make your credit history available to your current and prospective creditors and employers as allowed by law. Experian may list these inquiries for up to two years. The section below lists all of the companies that have requested your credit history as a result of action you took, such as applying for credit or financing or as a result of a collection, The inquiries in this section are shared with companies that receive your credit history ATLANTIC PERSL & SCREEN Address: Date of Request: 8895 N MILITARY TRL # 104 12/06/2012 WEST PALM BEACH FL 33410 No phone number available Address Identification Number: 0688806617 Comments: Rental on behalf of BENT TREE VILLAS WEST CO. This inquiry is scheduled to continue on record until Jan 2015. https://www.experian.com/consurner/cac/FullReport.do 12/11/2012 Experian - Printable Full Report Page 8 of 13 CAPITAL ONE AUTO FINANCE Address: Date of Request: 3905 N DALLAS PKWY 06/03/2012 PLANO TX 75093 (800) 948 -0332 Address Identification Number: 0688806617 Comments: Unspecified. This inquiry is scheduled to continue on record until Jul 2014. SANTANDER CONSUMER USA I Address: Date of Request: 8585 N STEMMOMS FWY 06/03/2012 DALLAS TX 75247 No phone number available Address Identification Number: 0688808817 Comments: Unspecified. This inquiry is scheduled to continue on record until Jul 2014. Inquiries Shared Only With You You may not have initiated the following inquiries, so you may not recognize each source We report these requests to you only as a record of activities, and we do not include any of these requests on credit reports to others We offer credit information about you to those with a permissible purpose, for example to • other creditors who want to offer you preapproved credit, • an employer who wishes to extend an offer of employment; • a potential investor in assessing the risk of a current obligation; • Experian Consumer Assistance to process a report for you; • your current creditors to monitor your accounts (date listed may reflect only the most recent request). • an end user to complete your mortgage loan application These inquiries do not affect your credit score EXPERIAN Address: Date of Request: PO BOX 9600 12/07/2012, 12/05/2012. 11/29/2012, ALLEN TX 75013 11/29/2012 No phone number available CIC /EXPERIAN IDENTITY CH Address: Date of Request: 535 ANTON BLVD STE 10C 11/29/2012 COSTA MESA CA 92626 No phone number available CONSUMERINFO_COM INC Address: Date of Request: 535 ANTON BLVD STE 100 11/29/2012 COSTA MESA CA 92626 No phone number available EXPERIAN Address: Date of Request: Po BOX 9600 11/29/2012 ALLEN TX 75013 No phone number available CREDIT ONE BANK Address: Date of Request: PO BOX 98873 10/22/2012, 09/10/2012, 07/31/2012, LAS VEGAS NV 89193 06/12/2012, 05/01/2012 httnc• / /unxnu avnarian cirri/ r nnorrmr r / oar /Fiil11?Annrt rin 1 711 1 /)fl1 ) Experian - Printable Full Report Page 9 of 13 (877) 825 -3242 CHASE BANK USA,NA Address: Date of Request: PO BOX 24696 09/11/2012 COLUMBUS OH 43224 (800) 848 -9136 RETAIL RECOVERY SERVICE Address: Date of Request: 190 MOORE ST STE 300 08/18/2012 HACKENSACK NJ 07601 No phone number available PROGRESSIVE INSURANCE Address: Date of Request: 6300 WILSON MILLS RD 08/13/2012 CLEVELAND OH 44143 No phone number available CHASE BANK USA,NA Address: Date of Request: PO BOX 24696 07/10/2012 COLUMBUS OH 43224 (800) 848 -9136 LEXISNEXIS /INS /P&C Address: Date of Request: 1000 ALDERMAN DR 06/03/2012 ALPHARETTA GA 30005 No phone number available Comments: On behalf of MERCURY INSURANCE GROUP for Insurance underwriting PROGRESSIVE INSURANCE Address: Date of Request: 6300 WILSON MILLS RD 06/03/2012, 03/16/2012 CLEVELAND OH 44143 No phone number available ALLIANCEONE RECEIVABLES MGMNT IN Address: Date of Request: 4850 E STREET RD STE 300 05/11/2012 TREVOSE PA 19053 (877) 480 -5110 LEXISNEXIS /INS /P&C Address: Date of Request: 1000 ALDERMAN DR 03/16/2012 ALPHARETTA GA 30005 No phone number availab /e Comments: On behalf of INFINITY INS CO for Insurance underwriting PROGRESSIVE INSURANCE Address: Date of Request: 6300 WILSON MILLS RD 03/16/2012 CLEVELAND OH 44143 No phone number available https: / /www.experian.com /consumer /cac /FullReport.do 12/11/2012 Experian - Printable Full Report Page 10 of 13 CAPITAL ONE Address: Date of Request: PO BOX 30281 02/17/2012 SALT LAKE CITY UT 84130 No phone number available CREDIT CONTROL, LLC Address: Date of Request: 5757 PHANTOM DR STE 330 01/27/2012 HAZELWOOD MO 63042 No phone number available PROGRESSIVE INSURANCE Address: Date of Request: 6300 WILSON MILLS RD 10/25/2011 CLEVELAND OH 44143 No phone number available ENHANCED RECOVERY CO LLC Address: Date of Request: 8014 BAYBERRY RD 08/31/2011 JACKSONVILLE FL 32256 No phone number available COMENITY CAPITAUBLAIR Address: Date of Request: PO BOX 182120 08/04/2011 COLUMBUS OH 43218 No phone number available WORLD FINANCIAL NETWORK NATL BAN Address: Date of Request: PO BOX 182789 07/29/201 COLUMBUS OH 43218 No phone number available WORLD FINANCIAL NETWORK NATL BAN Address: Date of Request: 02/08/2011 No phone number available EXPERIAN Address: Date of Request: PO BOX 2002 08/19/2008 ALLEN TX 75013 No phone number available Personal Information back to too The following information is reported to us by you, your creditors and other sources. Each source may report your personal info differently, which may result in variations of your name, address, Social Security number, etc. As part of our fraud prevention efforts, a notice with additional information may appear. As a security precaution, we did not list the Social Security number that you provided when you contacted us. If any Social Security number variations were reported to us, only the last four digits of each are displayed. Numbers that appear here vary from the number you used to generate this report. Actual differences in these numbers may be part of the displayed portion or part of the hidden portion. The names are listed in no particular order and may include variations of your legal name. The Name identification number is how our system identifies the names associated with respective accounts on your credit report. These addresses are listed in no particular order and may include previous addresses where you received mail The Address identification number is how our system identifies the address. The Geographical Code shown with each address identifies the state, county, census tract, block group and Metropolitan Statistical Area associated with each address httns•/ /www exnerian cnm /consumer /cac /FiillRennrt do 12/11 0017 Experian - Printable Full Report Page 11 of 13 Names: Address: 2870 S OASIS DR KELLY THOMAS BOYNTON BEACH. FL 33426 - 8665 Name identification number: 24482 Address identification number: 0544496827 Type of Residence: Single family KELLY M THOMAS Geographical Code: 0-580810-99-8960 Name identification number: 23153 Address: 1763 NE 6TH ST BOYNTON BEACH, FL 33435 -3509 KELLY MARIE THOMAS Name identification number: 24929 Address identification number: 0688806617 Type of Residence: Single family Geographical Code: 0-620100-99-8960 Year of birth: 1986 Address: 3800 MAX PL APT102 BOYNTON BEACH, FL 33436 - 2067 Spouse or co applicant: Address identification number: 0385069620 TEASHA Type of Residence: Apartment complex Telephone numbers: Geographical Code: 0- 580510 -99 -8960 (561) 315 -0413 Cellular (561) 967 -7054 Residential Address: 4676 BLUE PINE CIR LAKE WORTH, FL 33463 -7277 Address identification number: 0074672367 Type of Residence: Single family Geographical Code: 0 - 591610 - 99 - 8960 Important Message From Experian _ back to too By law, we cannot disclose certain medical information (relating to physical, mental, or behavioral health or condition) Although we do not generally collect such information, it could appear in the name of a data fumisher (i.e., "Cancer Center") that reports your payment history to us. If so, those names display in your report, but in reports to others they display only as MEDICAL PAYMENT DATA. Consumer statements included on your report at your request that contain medical information are disclosed to others. Know your rights back to too FCRA Rights Para informaclon en espal ol, visite www.consvmerfinance.raov /learnmore o ascribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552. A Summary of Your Rights under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, faimess, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.ctov /learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552. • You must be told If information In your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information. • You have the right to know what is In your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure "). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: o a person has taken adverse action against you because of information in your credit report; o you are the victim of identify theft and place a fraud alert in your file; o your file contains inaccurate information as a result of fraud; https:// www. experian.com/consumer /cac/FullReport.do 12/11/2012 Experian - Printable Full Report Page 12 of 13 o you are unemployed but expect to apply for employment within 60 days. All consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.congumerfinance.00v /leammore for additional information. • You have the right to ask for a credit score. Credit scores are numerical summaries of your credit- worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans. but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. • You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www .consumerfinance.aov /learmore for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete Inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. • Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer. landlord, or other business. The FCRA specifies those with a valid need for access. • You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.00v/leammore. • You may limit "prescreened" offers of credit and insurance you get based on information in your credit report. Unsolicited "prescreened" offers for credit and insurance must include a toll -free phone number you can call if you choose to remove your name and address from the lists these offers are based on You may opt -out with the nationwide credit bureaus at 1 888 5OPTOUT (1 888 567 8688). • You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a fumisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. • Identity theft victims and active duty military personnel have additional rights. For more information, visit www.consumerfina nce.aov/learnmore States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For more information about your federal rights, contact: Type of Business: Contact: Consumer reporting agencies, creditors and Federal Trade Commission: others not listed below Consumer Response Center - FCRA Washington, DC 20580 1 877 382 4357 National banks, federal branches/agencies of Office of the Comptroller of the Currency foreign banks (word "National" or initials "N.A " Customer Assistance Group appear in or after bank's name) 1301 McKinney Street, Suite 3450 Houston, TX 77010 -9050 Federal Reserve System member banks (except Federal Reserve Consumer Help national banks, and federal branches/agencies PO Box 1200 of foreign banks) Minneapolis, MN 55480 Savings associations and federally chartered Office of Thrift Supervision savings banks (word "Federal" or initials "F S 8 " Consumer Complaints appear in federal institution's name) Washington, DC 20552 1 800 842 6929 Federal credit unions (words "Federal Credit National Credit Union Administration Union" appear in institution's name) 1775 Duke Street Alexandria, VA 22314 1 703 519 4600 State - chartered banks that are not members of Federal Deposit Insurance Corporation the Federal Reserve System Consumer Response Center 2345 Grand Avenue, Suite 100 Kansas City, Missouri 64108 -2638 1 877 275 3342 Air, surface, or rail common carriers regulated by Department of Transportation former Civil Aeronautics Board or Interstate Office of Financial Management Commerce Commission Washington, DC 20590 1 202 366 1306 Activities subject to the Packers and Stockyards Department of Agriculture Act, 1921 Office of Deputy Administrator - GIPSA L Washington, DC 20250 1 202 720 7051 States Rights https: / /www.experian.com /consumer /cac /FullReport.do 12/11/2012 Experian - Printable Full Report Page 13 of 13 Notification of nghts for Alabama consumers Notification of rights for Alaska consumers Notification of rights for Arkansas consumers Notification of rights for California r•.Onsumers California notice Of your rights to request and obtain your credit score Notification of rights for Colorado consumers Notification of rights for Connecticut consumers Notification_ of rights for Delaware consumers Notification of rights for District of Columbia consumers Notification Of rights for Florida consumers Notification Of rights for Georgia consumers Notification of rights for Indiana consumers Notification of rights for Maryland consumers Notification of rights for Massachusetts consumers Notification of rights for Missouri consumers Notification of riahts for Montana consumers Notification of rights for Nevada consumers Notification of rights for New Hampshire consumers Notification of rights for New Jersey consumers Notification of rights for New Mexico consumers Notification of rights for New York consumers Notification Of rights for North Carolina consumers Notification of rights for North Dakota consumers Notification of rights for Ohio consumers Notification of rights for Oklahoma consumers Notification of rights for Rhode Island consumers Notification of rights for Tennessee consumers Notification of rights for Texas consumers. Notification of rights for Vermont consumers Notification of rights for Virginia consumers Notification of rights for Washington consumers Notification of rights for West Virginia consumers Notification of riahts for Wisconsin consumers EExperian 2012. All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Expenan. Other product and company names mentioned herein may be the trademarks of their respective owners https:// www. experian .com/consumer /cac/FullReport.do 12/11/2012 BOYNTO N BEACH CRA CRA Board Meeting Tuesday, December 11, 2012 at 6:30 PM City Commission Chambers 100 E. Boynton Beach Blvd. Boynton Beach, FL 33435 SECOND AMENDED AGENDA I. Call to Order II. Invocation and Pledge to the Flag III. Roll Call IV. Legal: None V. Agenda Approval: A. Additions, Deletions, Corrections to the Agenda B. Adoption of Agenda VI. Informational Items and Disclosures by Board Members and CRA Staff: A. Disclosure of Conflicts, Contacts and Relationships for Items Presented to the CRA Board on Agenda Items B. Informational Announcements VII. Announcements & Awards: A. Movies on the Ave. — 1/4/13 B. Sunday in the Park — 1/6/13 VIII. Consent Agenda: A. Approval of Minutes — CRA Board Meeting, November 13, 2012 B. Approval of Period Ended November 30, 2012 Financial Report C. Monthly Purchase Orders IX. Pulled Consent Agenda Items: X. Information Only: A. Public Comment Log B. Media Outreach and Editorial Coverage C. CRA "FYI" Newsletter D. 2013 CRA Holidays XI. Public Comments: (Note: comments are limited to 3 minutes in duration) XII. Public Hearing: XIII. Old Business: A. Holiday Extravaganza Recap B. Consideration of Request from HAP Grant Recipient, Erica Poag, to Accept Terms of Short Sale Negotiation C. Consideration of Request from HAP Grant Recipient, Lauren Godden, to Accept Terms of Short Sale Negotiation XIV. New Business: A. Consideration of Funding to Stage Left Theatre for Build -Out at Madsen Center B. Consideration of a Color Palette for Properties in the CRA District C. Consideration of Request from HAP Grant Recipients, Teasha & Kelly Thomas, to Accept Terms of Short Sale Negotiation (Tabled 11/13/12) D. 2013 CRA Board Meeting Dates E. Consideration of Approval of Restrictive Covenant Agreement between Gulfstream Gardens, LLC and the CRA for Phase I of Seabourn Cove XV. Executive Director's Report A. Project Status Update XVI. Future Agenda Items XVII. Adjournment NOTICE IF A PERSON DECIDES TO APPEAL ANY DECISION MADE BY THE CRA BOARD WITH RESPECT TO ANY MATTER CONSIDERED AT THIS MEETING, HE /SHE WILL NEED A RECORD OF THE PROCEEDINGS AND, FOR SUCH PURPOSE, HE /SHE MAY NEED TO ENSURE THAT A VERBATIM RECORD OF THE PROCEEDING IS MADE, WHICH RECORD INCLUDES THE TESTIMONY AND EVIDENCE UPON WHICH THE APPEAL IS TO BE BASED. (F.S. 286.0105) THE CRA SHALL FURNISH APPROPRIATE AUXILIARY AIDS AND SERVICES WHERE NECESSARY TO AFFORD AN INDIVIDUAL WITH A DISABILITY AN EQUAL OPPORTUNITY TO PARTICIPATE IN AND ENJOY THE BENEFITS OF A SERVICE, PROGRAM, OR ACTIVITY CONDUCTED BY THE CITY. PLEASE CONTACT THE CRA AT (561) 737 - 3256 AT LEAST TWENTY -FOUR HOURS PRIOR TO THE MEETING PROGRAM OR ACTIVITY IN ORDER FOR THE CRA TO REASONABLY ACCOMMODATE YOUR REQUEST. Meeting Minutes Community Redevelopment Agency Board Boynton Beach, Florida November 13, 2013 B. Consideration of Transfer of Properties located at 118 & 124 NW 10th Avenue to the City of Boynton Beach Motion Mr. Karageorge moved to approve. Mr. Holzman seconded the motion that unanimously passed. Mr. Karageorge also extended thanks to Assistant City Attorney David Tolces for his work on this item. XIV. New Business A. Consideration of Request from HAP Grant Recipients, Teasha & Kelly Thomas, to accept terms of short sale negotiation (Tabled 10/9/12) Motion Vice Chair McCray moved to remove. Mr. Karageorge seconded the motion that unanimously passed. Mike Simon, Development Director, explained this item was previously heard at the October meeting. The agenda item was from the Thomas's who received a grant to purchase a home in the Preserve under the Housing Assistance Program (HAP). They were requesting the Board accept the terms of a short sale which would net the CRA $5,000 — 10% of the $50K grant. Angelina Namia, Attorney, 210 Belmont Place at Boynton Beach, requested the item be tabled. Bank of America had not provided any additional information or any finalization of an approval. Therefore the dollar amount of any recapture was unknown. Motion Mr. Holzman moved to table. Mr. Buchanan seconded the motion that unanimously passed. B. Consideration of Request from HAP Grant Recipient, Erica Poag, to accept terms of short sale negotiation Mr. Simon explained this item was to consider a request by Erica Poag who purchased a home in the Preserve in 2007. She had received a HAP Grant from the Community Redevelopment Agency. Mr. Simon explained staff received an email on October 28, 2012, to present the terms of a short sale to the Board, but had no confirmation the Bank would accept the terms of the short sale. Part of the conundrum was there were 6 Meeting Minutes Community Redevelopment Agency Board Boynton Beach, Florida November 13, 2013 no policies or procedures from the Board on the issue. He noted the Community Redevelopment Agency was in the second mortgage position. Mr. Holzman expressed it was unfair to the prior requestor, for the Board to consider the matter. Motion Mr. Holzman moved to table the item and request the same information as was requested in the prior agenda item. Mr. Buchanan requested clarification Mr. Simon explained in prior cases, such as the Thomas's and other recipients, there was a mixed situation with the lender, purchaser and the Community Redevelopment Agency in that the Bank usually works with the buyer, seller and mortgage company to accept short sale terms. In this case, there was a third position and with the City and County, a fourth position. All parties had to agree to the terms of the short sale in order to enact it and a Bank would be hesitant to provide their acceptance of the terms if two other parties at the table have not provided direction on their position of the request. If the Community Redevelopment Agency provided direction, the Bank could move in an appropriate fashion. Attorney Namia pointed out that was not the case with all property owners and the Banks are the first mortgagees. Each request was in a different stage of a short sale. If the Board tabled the item because of the Thomas's request, it would not be fair. The Banks should make the decision first and then the homeowner would have to present all their information to the Board Mr. Karageorge noted each banking institution or mortgagor may have different policies. He thought it was important to be consistent and fair and noted there were various ramifications involved with housing issues. He proposed the Board be consistent in each case and hear each separately. The Board could ask similar questions of all parties based on the individual circumstances and stage of each request. Richard Carey, Attorney for the Poags, explained with their short sale, they have a contract on the property. They had been negotiating the short sale for a few months and the Broker Price Opinion (BPO) was completed. The Bank notified them what they would accept. In order to meet that requirement, there are certain funds and proceeds that could be allocated to all parties involved. With this request, the Community Redevelopment Agency would receive $6,000 towards the outstanding grant balance. Erica Poag, 1759 NE 6th Street, explained she had appeared before the Board two years ago, requesting the Board reconsider their decision to amend the Direct Incentive Meeting Minutes Community Redevelopment Agency Board Boynton Beach, Florida November 13, 2013 Finance Agreement (DIFA) allowing Cornerstone to continue to receive a tax break to convert a homeowner community into a low- income rental community. She felt the Agency did not consider the families who already purchased homes in the community and how it would impact them when they approved the amendment. Ms. Ross arrived at 7.05 p. m. Ms. Poag explained she purchased her home for $239,900, including the $50,000 grant and the current value of the home was $87,000. She recognized the economy impacted the price of homes, but not nearly as much as the approval of the second DIFA amendment. She would never recover what she paid for the property and the short sale was her only option. She felt that as a result of the amendment, she now lives in a low - income community and was surrounded by unsavory characters, where drugs were sold and she wanted to be safe. She requested the Community Redevelopment Agency forgive or negotiate the low payback amount of the grant and that this time, the Agency make the right decision for the homeowners and not the developer. Ms. Poag, in response to questions, explained she was not yet ready to close, and she would need a letter from the Community Redevelopment Agency indicating what was acceptable to them so all parties would be on the same page. Mr. Holzman noted the process was difficult, but even with a letter the Bank could still reject the terms. If the Board agreed to the amount, percentage -wise, it would set a precedent for the community and any other real estate transactions the Board accepted in the future. Mr. Buchanan suggested the Board be realistic as the money was never coming back to the Community Redevelopment Agency just as it would not go back to the Bank. He felt it was in the best interest of the taxpayers to recoup whatever funds they could, when they could, and that they should approve short sales. Attorney Cherof agreed language could be added to the letter to protect the Board and facilitate the matter. A demand letter had been issued and the recipient was three payments behind in her mortgage. Lengthy discussion ensued regarding the changes that occur when affordable housing is added in or near workforce housing and Ms. Brooks explained the history of the DIFA agreements. Vice Chair McCray noted 29 individuals received SHIP funds totaling about $1.5 million and with HAP, City, County, and Florida Housing Finance funding, the amount was about $2 million. The Community Redevelopment Agency was losing money. Mr. Holzman inquired what documentation would be sufficient from the prior requestor. Attorney Cherof responded some type of commitment, proposal or guideline that would trigger approval of the transaction was needed. A document in the nature of a proposed closing statement that reflected not only what the Community Redevelopment Agency 8 Meeting Minutes Community Redevelopment Agency Board Boynton Beach, Florida November 13, 2013 would receive, but also what the property owner was obligated to do to be able to close on a short sale would be appropriate. In this instance, the seller would not be bringing any money to the table nor did Attorney Carey have any documentation from the lender indicating what steps needed to be taken. Most of his negotiation was done over the phone and it was difficult to obtain something in writing. Currently the lender would not issue an approval unless the other parties were in agreement, which was the same issue the Community Redevelopment Agency was concerned about. Attorney Cherof explained the Community Redevelopment Agency was in a different position than a traditional lender as the funds used in the transaction were public dollars so the Board had a higher level of accountability than a private lender would have. Mr. Holzman thought there was documentation missing from the first individual and it would be improper for the Board to accept the word of any individual without requesting the same information from each requestor. The sale would not fall through if the Board asked for the documentation and he was not compelled to agree to anything unless the Board had, at least, some type of a closing statement. Chair Hay thought the Agency should get something out of the investment and approve the short sale since the Agency would receive nothing if the property went to foreclosure. Attorney Cherof clarified there would be no difference if the Board approved the request with a contingency than if the Bank approved it conditionally. The end result would be the same. Further discussion followed some institutions did not care about second lien holder positions, but in some instances, the second lien holder holds all the leverage. Mr. Karageorge inquired if any leverage could be gained in this case as opposed to a normal second position with respect to negotiating with the principal mortgage holder. Attorney Cherof did not believe so Mr. Holzman reiterated it was imprudent for the Board to move forward on the item without proper documentation. As to moving forward on a contingency basis, Attorney Cherof expressed the better practice would be to obtain the documentation so the Board had a record of what the transaction was. He also noted time was not working against the applicant as she was still in possession of the property, she was not making the payments, and no foreclosure was yet pending. It was unlikely a foreclosure would be filed and completed before the next meeting. The Board would then have the benefit of reviewing the pleadings Attorney Carey explained documentation reflecting a proposed closing date and statement showing the fees could be provided prior to any approval, but he could not provide documentation as to whether the Bank would approve the short sale. He also opined the issue was time sensitive as the 2007 Mortgage Forgiveness Act would Meeting Minutes Community Redevelopment Agency Board Boynton Beach, Florida November 13, 2013 expire at the end of this year, and his client would like to close prior to the end of the year to avoid any tax liability. Attorney Carey agreed to provide the closing statement and email communications with the Bank prior to the next meeting. He also commented it would be helpful to have an approval letter with a contingency stating the Board would release the property for a named amount of money, even if it specified it would not vest until the next Board meeting. He did not think waiting until the next Board meeting was in the best interest of the homeowner. Mr. Holzman disagreed and thought it would be to everyone's benefit to set a precedent that the Board specifically required a proposed closing document indicating all the information and all of the backup. He also commented the homeowner came to the Board at the last minute and it was inappropriate to assert the Board was holding the matter up. Mr. Buchanan inquired if the Board had the documentation and they approved it with a contingency was any different than approving it with the same contingency now. Mr. Holzman thought there was a difference because if the documentation was provided, the Board would know what they were approving. Attorney Cherof suggested making a motion to tentatively grant the request, contingent upon obtaining supporting documentation that would be reviewed at the next Board meeting and approving or disapproving it then. In this manner, counsel could signal to the lender that the Board was prepared to make the transaction for the stated request and net $6,000 and if the paperwork supported that figure, it would and if not, it would not. Motion Mr. Buchanan so moved. Ms. Ross seconded the motion that passed 5 -1 (Vice Chair McCray dissenting.) C. Consideration of Request from HAP Grant Recipient, Lauren Godden, to accept terms of Short Sale negotiation Mr. Simon presented the request, which was the same as the prior agenda items. Ms. Godden received a $50,000 grant and closed on her home in December 2007 in the Preserve. The original purchase price was $239,999 and the current short sale offer was for $80,000. The first mortgage amount, at closing, was $181,000. Lauren Godden, 1819 NE 5th Street, explained she grew up in Palm Beach County. She purchased a home in the Preserve based on the Community Redevelopment Agency advertisement and the Agency's dedication to the development. Ms. Godden spoke about the DIFA amendment and the low- income housing issue which was 10 Meeting Minutes Community Redevelopment Agency Board Boynton Beach, Florida November 13, 2013 previously discussed. The residents hired an attorney to ask the Agency to reconsider the matter, which was denied. Since then, the neighborhood declined. Ms. Godden acknowledged the effect of the economy on housing, but noted she was a local prosecutor and she encountered situations where she was approached by defendants at the pool inquiring if she worked for the State's Attorney and then seeing the defendant in the courtroom. The situation has affected her personal safety. She was behind in her mortgage and was in the pre - foreclosure stage. Her loan was previously with Bank Atlantic which was converted to BB &T and she was fast tracked. Attorney Carey explained they were working with Bank Atlantic, but the servicer changed and time was of the essence. Ms. Godden was in an earlier stage as it pertained to what the Bank was willing to accept on this transaction. He acknowledged the Board's request for closing documents, statements and email communications as noted in the previous agenda requests and agreed to provide them within 30 days. Attorney Carey commented his firm seeks to obtain at least $8,500, but Banks often look to the federal guidelines which dictate a second lien holder is only entitled to 6 %. Currently, they did not have the exact amount BB &T was willing to accept, but hoped it would be for the $8,500 they requested. Attorney Cherof explained the previous motion would be acceptable to use for this request. Motion Mr. Buchanan so moved. Mr. Karageorge seconded the motion that passed 5 -1 (Vice Chair McCray dissenting.) Vice Chair McCray explained he did not support the motion because he did not have the documentation and he was not on the Board when the matter initially was addressed. Mr. Holzman suggested hearing from the first applicants from item 14 A, Teasha and Kelly Thomas. Attorney Namia, representing the Thomas's expressed her concern that the Board did not have enough facts to make a decision. She agreed with Mr. Holzman that any decision made without documentation would be egregious. She explained unless the Board had a preliminary HUD Statement and all the possible written documentation, nothing should be considered, including her client's case She noted there were so many different contingencies associated with each letter that each case must be treated individually. Even though the Board might be setting a precedent by accepting a settlement, it did not mean that each case had to be settled for the same amount. She explained the Board did not know if each case would provide Meeting Minutes Community Redevelopment Agency Board Boynton Beach, Florida November 13, 2013 a Waiver of Deficiencies, which in some cases, allowed for the homeowner to have an incentive to move out, in the amount of $3,000 to $10,000. Attorney Namia explained in some cases, she has seen upward of $20,000, although not necessarily with these types of grants. She implored the Board not to make a decision without documentation and the process could not be rushed. Her client would also like to close before the end of the year. Her client was two months behind in her mortgage payments. She agreed the contingency language suggested by Attorney Cherof was appropriate, but without seeing something in writing, the Board should not provide something in writing back. She commented she has experience with at least 10 different lenders in the short sale arena. She was not in the real estate business. Attorney Cherof explained when the applicant initially appeared, they did not provide any documentation. Attorney Namia responded they did, it was just not in hard copy. Attorney Cherof clarified to the Chair that the Board relied on the representation made by the counsel that stepped to the microphone. The Board had not granted any final approval. The matter would return to the Board at its next meeting. All rights were reserved to the Community Redevelopment Agency Board at this point, and all the Board did was signal a willingness to engage in negotiations and to put something on the table so counsel could go back and structure a deal around. He saw no reason to reconsider the two prior motions. Attorney Namia agreed with Attorney Cherof's comments contingent on seeing the documents and making sure there was a move out incentive that could add to the benefit of the Community Redevelopment Agency. She favored the Board having additional contingencies as opposed to having only words. She thought language such as contingent on the borrower not receiving a move out incentive and the first mortgagee approving the final numbers would be helpful. After further discussion there was consensus not to reconsider the prior motions and to rely on the advice of Attorney Cherof. D. Consideration of Request from HAP Grant Recipients, Hector & Jennifer Lopez, to accept terms of short sale negotiation Mr. Simon presented the request and the applicant. Ms. Lopez explained they purchased the home in 2008 for $240,000 and received a $45,000 grant from the Community Redevelopment Agency. The home was now valued at $65,000 and they were in the foreclosure process trying to short sell. They vacated the dwelling based on the activities occurring in the community. Her immediate neighbors and those across from her were all renters and she was finding drugs on the ground. Individuals were speeding though the neighborhood and coming to her home looking for others at all hours of the night. Mr. Lopez was a firefighter who was not home at night while on shift, and she did not feel safe even with an alarm system. Her children could not play outside during the day due to the activities, so they vacated the premises. She 12 BOYNTON1 =BEACH CRA BOARD MEETING OF: November 13, 2012 Consent Agenda I 1 Old Business 1 X New Business I Legal ( J Executive Director's Report SUBJECT: Consideration of Request from Homebuyer Assistance Program (HAP) Grant Recipient Erica Poag to accept the Terms of Short Sale Negotiations SUMMARY: On August 14, 2007, the CRA Board approved a Homebuyer Assistance Program (HAP) Grant in the amount of $50,000 to Erica Poag for the purchase of her home located at 1759 NE 6 Avenue, #1209, in the Preserve and closed on her newly constructed home in December 2007 (see Attachment I). On October 28, 2012, CRA staff received an email from Ms. Poag requesting the opportunity to present the terms of her short sale proposal at the Agency's November 13, 2012 Board meeting (see Attachment II). Ms. Poag is not currently in foreclosure but as not made a mortgage payment in September or October 2012. The conditions of the short sale offer being presented is as follows: Original Purchase Price: $239,990 Current Short Sale Offer: $ 87,000 Fast Mortgage: $186,109 CRA 2n Mortgage: $ 50,000 ADDITIONAL BACKGROUND: In December 2006, the developers of The Preserve, Boynton Village, LLC, received approval from the CRA Board to enter into a Direct Incentive Funding Agreement (DJFA) for the creation of 50 affordable housing opportunities. Under the Second Amendment to the DIFA approved by the CRA Board on October 12, 2010, the Agreement was amended to allow at least 100 units be designated as Affordable Access Rental Units for households earning 60% of median income or less despite out spoken objections by HAP grant recipients and other Preserve residents at both the CRA and City Commission meetings (see Attachment III). As a result of the nationwide Chinese Drywall epidemic, many of the units at the Preserve were built with the drywall and were subject to mitigation measures. HAP grant recipients occupied the majority of these affected units. In addition to the CRA's financial obligations to the developer set forth under the terms of the DIFA, the Agency has provided $945,000 in CRA HAP grant funding to nineteen (19) income eligible recipients for the purchase of these affordable units in the Preserve. Eleven of these grant recipients are in various stages of the foreclosure process. FISCAL IMPACT: To be determined. CRA PLAN, PROGRAM OR PROJECT: CRA Redevelopment Plan, Heart of Boynton Plan RECOMMENDATIONS /OPTIONS: Provide staff direction. Michael Simon, Development Director Page 1 of 3 Simon, Michael From: Simon, Michael Sent: Monday, October 29, 2012 2:14 PM To: 'E Poag' Cc: Brooks, Vivian; Harris, Susan; Utterback, Theresa Subject: RE: November 13th CRA Board Meeting Thank you Ms. Poag. 1 am sorry that the conditions of your homeownership experience have taken this turn. The information you sent is exactly what 1 was looking for. A brief paragraph regarding the reason for your short sale might be helpful to the Board since you are not currently in foreclosure, as well as a copy of some official indication that the bank has approved the "short sale" option if in fact they have. Please have Ms. Godden send the same information for her short sale conditions and I'll put together a separate agenda cover for her request. As you know, the CRA Board meeting will be held on November 13, 2012, at 6:30pm in City Hall Commission Chambers, located at 100 E. Boynton Beach Boulevard. Please do not hesitate to contact me with any questions or concerns. Rerpectfirlly, Michael Simon Development Director Barton Beach CRA 710 N. Federal Higbwrry Boynton Beach, FL 33435 0$ 561 - 737 -3256 ext. 206 Fax: 561- 737 -3258 simonm(4bV.us From: E Poag [maitto:bsballgr19©hotmaii.com] Sent: Monday, October 29, 2012 1:21 PM To: Simon, Michael Cc: Brooks, Vivian; Harris, Susan; Utterback, Theresa Subject RE: November 13th CRA Board Meeting Thank you for the response Mr. Simon. I'm not sure what you mean by specific conditions of the short sale structure. The current value of the property based on Palm Beach County Property Appraiser's Office is $82,950. (I added on 15% as the Property Appraiser's Website is only 85% of market, usually.) My first mortgage is at $186,109 - I have not made a payment on the mortgage as of 09-01 -12 and I am not currently In foreclosure. Second mortgage from the CRA Is $50,000. I have a contract on the property for $87,000. Page2 of 3 Please let me know if you require any additional information. I will forward Ms. Godden's information as soon as it is available. Thank you very much for your time Have a wonderful day, Erica Subject: RE: November 13th CRA Board Meeting Date: Mon, 29 Ckt 2012 11 :57:50 -0400 From: SimonM@bbfl.us To: bsballgrl9 @hotmail.com CC: BrooksVl @bbfl.us; HarrisSu @bbfl.us; UtterbackT @bbfLus Good morning Ms. Poag: The CRA is in receipt of your request to be placed on the November 13 Board meeting agenda along with Ms. Godden. The CRA Board heard the presentation made by Teasha Thomas at their October 9, 2012 and I have attached the minutes from this meeting for your review. The Board has not made a specific policy regarding requests by HAP Grant recipients for short sale participation and they are aware that each case is different. Please provide me with the specific conditions of your (and Ms. Godden) short sale structure by the end of day on Thursday, November 1, 2012, and please include items such as the current value of the property, amount of your first and second mortgages, current sales contract offer and whether or not you are in foredosure. I will utilize this information to prepare the Board's agenda cover for each of your requests. If you have any questions or concerns, please do not hesitate to contact me directly. Rerpeclfally, Michael Simon Development Director Boynton Beach CRA 710 N. Federal Hrgbrvay Boynton Beach, FL33435 Off 561-737-3256 ext. 206 Fax:: 561 - 737 -3258 .nmonm@bbfius From: E Poag [mailto:bsbaligrl9 @hotmail.com) Sent: Sunday, October 28, 2012 12:40 PM To: Brooks, Vivian; Harris, Susan; Hill, Vicki; Simon, Michael; Hay, Woodrow; McCray, Mack; Ross, Marlene; Holzman, Steven; Buchanan, James; Karageorge, Mark Cc: Lauren Godden Subject: November 13th CRA Board Meeting Importance: High Good Day, My name is Erica Poag. I am writing on behalf of myself and Lauren Godden. We would like the opportunity to speak with the Board at the November 13th CRA Board meeting regarding the CRA Grant Money we received. We Page 3 of 3 are in the process of short selling our homes, which we received grant mon need to do in order to be added. If you have an eY for. Please let me know what we cell phone at 512- 293 -9840, y questions or comments, you may reach me via email or on my I Zook forward to hearing from you. IGnd Regards, Erica Poag ATTACHMENT II Hardship letter(s) and supplemental communications submitted by property owner to lender w /supporting documents. Reply letter(s) from Lender Name, affiliation, address, and phone number of all individuals and designated representatives of interested parties working on short sale Lender's short sale requirements or conditions Mortgage default letter, if any If property in foreclosure -copy of complaint and responsive pleading Letter that lender will willing to accept Tess than 100% on the dollar to allow short sale to occur List of other real property in which applicant has a legal or equitable interest Purchase and Sale contract signed by bona fide purchaser- contact info for purchaser Preliminary HUD -1 settlement statement showing fees to short sale facilitators, attorney, closing agents, real estate agent of brokers. Final HUD -1 is subject to be provided to and subject to CRA approval before closing. Affidavit from owner that owner will not receive and cash or cash equivalents from transaction and that transfer will not be to a relative Statement of owner identifying anticipated relocation address following short sale Personal tax returns for the past 2 years -ss# redacted Current pay stubs for the past month -ss# dedacted Bank statements for last 2 months (all pages) all but last 3 numbers of account # redacted and ss# redacted Copy of Driver's License (front and back) Credit report (Experian, Equifax, and TransUnion)- no older than 45 days September 12, 2012 Erica Poag 1759 NE 6th Street Boynton Beach, FL 33435 Seterus, Inc. Loa NI 10040716 To Whom It May Concern: I am writing this letter to explain my unfortunate set of circumstances that have caused me to short sale my home. I bought into a redevelopment community that was sold as a homeownership community. The builder has changed the type of community he is building to a low- income rental community, allowing section 8 rentals. I am no longer safe In my community or home. I am unable to utilize the common areas of the community, feeling unsafe. My home is no longer valued what the mortgage is set at and will never be worth the current mortgage due to the unsavory characters now renting in the community. I truly hope that you will consider working with my attorney as I am anxious to get this settled so I can move on. Thankfully and Respectfully, 1-tkuu(52tWo Erica Poag Property Detail Rcpott Page 1 of 1 1759 NE 6th St, Boynton Beach, FL 33435 -3509, Palm Beach County Owner Information Owner Name: Poag Erica Tax Billing Zip: 33435 tax Billing Address: 1759 Ne 6th St Tax Billing 21p +4: 3509 Tax Billing City & State: Boynton Beach, Fl Owner Occupied! Yes Location Information School District: 1201500 Cal ier Route: . - CO21 Subdivision: Preserve At Boynton Beach Budding Name: Preserve At Boynton Beach 12 Condo Census Tract: 61 00 Tax Information Parcel ID: 08434515290001209 Tax Area: 8987 Tax ID: 08- 43- 45 -15 -29 -000 -1209 Exernptlon(s): Homestead Alt APN: 08- 43- 45 -15 -29 -000 -1209 % Improved! 100% 001 Legal Description: PRESERVE A7 BOYNTON BEACH 12 CONDO UNIT 1209 Assessment & Tax Assessment `tear J— ^+ -- ' 12011 - -- — TO10 _ _.._ 7 i Assessed Value - Total $70,000 _ -- 582,000 $152,000 TOY Assessed charge (5) __. - 512,000 _ _ ._— . - 570.000 - _ _ — _— TOY Assessed Change ( %) 1-14 63% -46 05% Market Value - Total $70,000 582,000 t 5152,000 -_— Market Value - Improved $70,000 $8 5152,000 -�— Tax Year Total Tax YOY Tax Change (5) TOY Tax Change ( %) 2009_ 52,578 _ 2010 $1,085 - $1,493 - 57.92% — -- 1 2011 $918 5166 -15.34% Characteristics - _ — — — _�____ — _ -- _ -- _ - - - - -- Land Use State: Condominium Building Sq FL: 1,601 tdrid Use - Universal. Condominium Gross Area: MIS: 1,800 Lot Acres: 1 Bedrooms: 3 Lot Area: 43,560 Full Baths: 3 re of Buildings: 1 Total Baths: 3 Building Commrr.ts: Preserve At Boynton Beach 12 Garage Capacity: MIS: 1 Condo Year Built: 2007 140 Parking Spaces: 1 1 Listing Information MIS Listing Number: R3306765 _ ! MLS Current List Price: $110,000 MLS Status.: back On Market MIS Orly List Fiice: $95,000 MLS D 014: 68 Listing Agent Name: 20014688-Brent Dillon MLS Status Change Datr• 11/03/201/ Listing Broker Name: Realty Associates Fl Prop MLS Listing Date: 09/10/2012 Last Market Sale & Sales History Owner Nantes Poag Erica Courtesy of Marlon* $runoll, **atonal MLS : r1a.o within Iti, O Luttiolh h, rrnn.Ma,11 shd WWII W. a. 11* r,i•.O.ltWtl.t. Property Detail .i r..rrl r ui he ..depatd,r,I11 vtr;ur'I I y I'm ow ri.. nr t t.yOrt MU/ ItIe spr mbW must ht mdMlpdIY http: / /mis.icalist corn/ spring/ ditectReportAction ?passthrough= true &PIStatus =1 &search 1 1 1/16/2012 • • • "AS IS" Residential Contract For Sale And Purchase , ' f O� THIS FORM HAS BEEN APPROVED BY THE FLORIDA REALTORS AND THE FLORIDA BAR - 1• PARTIES: Owner of Record ( "Seller"), 2• and _ Harvest Residential II, LLC ( "Buyer"), 3 agree that Seller shall sell and Buyer shall buy the following described Real Property and Personal 4 Property (collectively "Property ") pursuant to the terms and conditions of this AS IS Residential Contract For Sale 5 And Purchase and any riders and addenda ( "Contract "): 6 1. PROPERTY DESCRIPTION: r (a) Street address. city, zip: l ['kW-, ( � I Si'�r e +) t & Df $elkCI - , ' '7 s• (b) Property is located in: _ aim Beach County, Florida Real Property Tax ID No: 08434515290001209 0- (c) Legal description of the Real Property: Preserve at Boynton Beach 12 Condo Unit 1209 10 el together with all existing improvements and fixtures, including built -in appliances, built -in furnishings and 12 attached wall -to -wall carpeting and flooring ( "Real Property ") unless specifically excluded below 13 (d) Personal Property: The following items owned by Seller and existing on the Property as of the date 14 of the initial offer are included in the purchase ( "Personal Property ") (i) range(s) /oven(s), dishwasher(s), 15 disposal, ceiling fan(s), intercom, light fixtures, rods, draperies and other window treatments, garage door 1e openers, and security gate and other access devices; and (ii) those additional items checked below If 17• additional details are necessary, specify below If left blank, the Item below is not included: ❑ Ref rigerator(s) Smoke detector(s) Pool barrier /fence ❑ Storage shed Microwave oven Security system Pool equipment TV antenna/satellite dish Washer Window /wall a/c Pool heater Water softener/purifier Dryer Generator Spa or hot with heater Storm shutters and Stand -alone Ice maker Above ground pool panels 16 The only other items of Personal Property included in this purchase, and any additional details regarding 14• Pm oval Property, if necessary. are: As Is Where Is 21 Personal Property is included in the Purchase Price, has no contributory value, and shall be left for the Buyer 22• (e) The following items are excluded from the purchase: 23' -- -- -- - -- - 24• 2. PURCHASE PRICE (U S currency):.- ...... . ,...... ... -- ...... $ _105,000.00 2s• (a) Initial deposit to be held in escrow in the amount of (checks subject to COLLECTION) $ ,,_ _ _ 10 500.00 26 The initial deposit made payable and delivered to "Escrow Agent' named below /L 77' (CHECK ONE):❑ accompanies offer or ❑ is to be made upon acceptance (Effective Date) YO 20• or Q is 10 be made within (if blank, then 3) days after Effective Date � ' 20• Escrow Agent Information: Name: _ TBD By Seller 30' Address: __ -.- __ -- Phone: _ i 31 E-mail ___ Fax: 32' (b) Additional deposit to be delivered to Escrow Agent within _____ (if blank, then 3) 33• days after Effective Date . . . . . . . . $ 0 34 (All deposits paid or agreed to be paid, are collectively referred to as the "Deposit ") as- (c) Financing: Express as a dollar amount or percentage ( "Loan Amount ") see Paragraph 8 0 3e• (d) Other: $- - 0 00 37 (e) Balance to close (not including Buyer's closing costs, prepaids and prorations) by wire 36• transfer or other COLLECTED funds......... ..... ....... $_ 94,500.00 30 NOTE: For the definition of "COLLECTION" or "COLLECTED" see STANDARD S. a0 3.. TIME FOR ACCEPTANCE OF OFFER AND COUNTER - OFFERS; EFFECTIVE DATE: 41 (a) If not signed by Buyer and Seller, and an executed copy delivered to all parties on or before 11/20/2012 42' this offer shall be deemed withdrawn and the Deposit, If any, will be retumed to Buyer 43 Unless otherwise stated, time for acceptance of any counter -offers shall be within 2 days after the day the 44 counter -offer is delivered 45 (b) The effective date of this Contract will be the date when the last one of the Huyer and Seller has signed or 46 initialed this offer or final counter -offer ( "Effective Date "). 47 4. CLOSING DATE: Unless modified by other provisions of this Contract, the closing of this transaction shall occur 48 and the : i r •ocur.Ants fe ed_tpbe furnished by each party pursuant to thls Contract shall be delivered O ( "Closin" BOO a C' ("Closing Date "), at the time established by the Closing Agent if ' P� a "1 " y ,} l4 ( c_. Buyer's Initials A Page 1 of 10 Seller's Initials 1 FloridaRealtors/rio > 0, rAS -1 Rev 6/10 /55 2010 i -londe Realtors(g) and 1 he Honda Bar All rights reserved 50 5. EXTENSION OF CLOSING DATE: 51 (a) If Closing funds from Buyer's lender(s) are not available at time of Closing due to Truth In Lending Act (TILA) 52 notice requirements, Closing shall be extended for such period necessary to satisfy TILA notice requirements. 53 not to exceed 7 days 54 (b) If extreme weather or other condition or event constituting "Force Majeure" (see STANDARD G) causes: 55 (i) disruption of utilities or other services essential for Closing, or (ii) Hazard, Wind, Flood or Homeowners' sa insurance, to become unavailable prior to Closing, Closing will be extended a reasonable time up to 3 days 57 after restoration of utilities and other services essential to Closing, and availability of applicable Hazard, Wind, se Flood or Homeowners' insurance If restoration of such utilities or services and availability of insurance has not 50' occurred within 14 (if left blank, 14) days after Closing Date, then either party may terminate this 60 Contract by delivering written notice to the other party, and Buyer shall be refunded the Deposit, thereby 61 releasing Buyer and Seller from all further obligations under this Contract 62 6 OCCUPANCY AND POSSESSION: Unless otherwise stated herein. Seller shall at Closing, have removed all 63 personal items and trash from the Property and shall deliver occupancy and possession, along with all keys, 64 garage door openers, access devices and codes. as applicable, to Buyer. If Property is intended to be rented or 65 occupied beyond Closing, the fact and terms thereof and the tenant(s) or occupants shall be disclosed pursuant ss to STANDARD D If occupancy is to be delivered before Closing, Buyer assumes all risks of loss to Property from 67 date of occupancy, shall be responsible and liable for maintenance from that date, and shall be deemed to have 68 accepted Property in its existing condition as of time of taking occupancy s0• 7. ASSIGNABILITY: (CHECK ONE) Buyer ❑ may assign and thereby be released from an further liability 70 under this Contract; ❑ may assign but not be released from liability under this Contract; or EJ may not assign 71 this Contract 72 FINANCING 73 8.FINANCING: 74' ® (a) Buyer will pay cash or may obtain a loan for the purchase of the Property. There is no financing 75 contingency to Buyer's obligation to close. 7s' ❑ (b) This Contract is contingent upon Buyer obtaining a written loan commitment for a ❑ conventional ❑ FHA 77' ❑ VA loan on the following terms within (if blank, then 30) days after Effective Date ( "Loan 78• Commitment Date ") for: (CHECK ONE): ❑ fixed, ❑ adjustable, ❑ fixed or adjustable rate loan in 70• the principal amount of $ or % of the Purchase Price, at an initial interest rate 00 not to exceed % (if blank, then prevailing rate based upon Buyer's creditworthiness), and for a 91' term of years ( "Financing ") 82 Buyer will make mortgage loan application for the Financing within (if blank, then 5) days after 83 Effective Date and use good faith and diligent effort to obtain a written loan commitment for the Financing 84 ( "Loan Commitment ") and close this Contract Buyer shall keep Seller and Broker fully informed about s5 the status of mortgage loan application and Loan Commitment and authorizes Buyer's mortgage broker and se Buyer's lender to disclose such status and progress to Seller and Broker 87 If Buyer does not receive Loan Commitment, then Buyer may terminate this Contract by delivering written se notice to Seller• and the Deposit shall be refunded to Buyer, thereby releasing Buyer and Seller from all 110 further obligations under this Contract 00 If Buyer does not deliver written notice to Seller of receipt of Loan Commitment or Buyer's written waiver of 91 this financing contingency, then after Loan Commitment Date Seller may terminate this Contract by 02 delivering written notice to Buyer and the Deposit shall be refunded to Buyer, thereby releasing Buyer and 93 Seller from all further obligations under this Contract 94 If Buyer delivers written notice of receipt of Loan Commitment to Seller and this Contract does not 95 thereafter close, the Deposit shall be paid to Seller unless failure to close is due to: (1) Seller's default; us (2) Property related conditions of the Loan Commitment have not been met (except when such conditions 07 are waived by other provisions of this Contract); (3) appraisal of the Property obtained by Buyer's lender is 08 insufficient to meet terms of the Loan Commitment; or (4) the loan is not funded due to financial failure of 00 Buyer's lender, In which event(s) the Deposit shall be retumed to Buyer, thereby releasing Buyer and Seller too from all further obligations under this Contract. tot- ❑ (c) Assumption of existing mortgage (see rider for terms). 102' ❑ (d) Pur hose money note and mortgage to Seller (see riders: addenda; or special clauses for terms) Buyer's Initials Page 2 of 10 Seller's Initials FloridaReattors/Flor aB SIS -1 Rev 8/10 e/ 2010 Florida Realtors® and The Florida Bar All rights reserved 103 CLOSING COSTS, FEES AND CHARGES 104 9. CLOSING COSTS; TITLE INSURANCE; SURVEY; HOME WARRANTY; SPECIAL ASSESSMENTS: 105' (a) COSTS TO BE PAID BY SELLER: • Documentary stamp taxes and surtax on deed, if any • HOA/Condominium Association estoppel fees • Owner's Policy and Charges (if Paragraph 9(c)(I) is checked) • Recording and other fees needed to cure title • Title search charges (if Paragraph 9(c)(iil) is checked) • Seller's attorneys' fees • Other: 1os If, prior to Closing, Seller is unable to meet the AS IS Maintenance Requirement as required by Paragraph 11 101 a sum equal to 125% of estimated cost to meet the AS IS Maintenance Requirement shall be escrowed at 108 Closing If actual costs to meet the AS IS Maintenance Requirement exceed escrowed amount, Seller shall toe pay such actual costs Any unused portion of escrowed amount shall be returned to Seller vio• (b) COSTS TO BE PAID BY BUYER: • Taxes and recording fees on notes and mortgages • Loan expenses • Recording fees for deed and financing statements • Appraisal fees • Owner's Policy and Charges (if Paragraph 9(c)(ii) is checked) • Buyer's Inspections • Survey (and elevation certification, if required) • Buyer's attorneys' fees • Lender's title policy and endorsements • All property related insurance • HOA/Condominium Association application /transfer fees • Other: 111• (c) TITLE EVIDENCE AND INSURANCE: At least 5 (if blank, then 5) days prior to Closing Date, a title 112 insurance commitment issued by a Florida licensed title insurer, with legible copies of instruments listed as 113 exceptions attached thereto ( "Title Commitment ") and, after Closing, an owner's policy of title insurance (see 114 STANDARD A for terms) shall be obtained and delivered to Buyer It Seller has an owner's policy of title 115 insurance covering the Real Property, a copy shall be furnished to Buyer and Closing Agent within 5 days after 116 Effective Date The owner's title policy premium and charges 19r owners policy endorsements, title search, 117 and closing services (collectively, "Owner's Policy and Charges') shall be paid, as set forth below 110 (CHECK ONE): 1111•• © (i) Seller will designate Closing Agent and pay for Owner's Policy and Charges (but not including charges 120 for closing services related to Buyer's lender's policy and endorsements arid loan closing, which amounts 121 shall be paid by Buyer to Closing Agent or such other provider(s) as Buyer may select); or 122' ❑ (ii) Buyer will designate Closing Agent and pay for Owner's Policy and Charges and charges for closing 123 services related to Buyer's lender's policy, endorsements, and loan closing; or 124 ❑ (iii) [MIAMI- DADEIBROWARD REGIONAL PROVISION]: Seller will furnish a copy of a prior owner's policy 125 of title Insurance or other evidence of title and pay fees for: (A) a continuation or update of such title evidence, 126 which is acceptable to Buyer's title insurance underwriter for reissue of coverage; (B) tax search; and 127 (C) municipal lien search Buyer shall obtain and pay for post - Closing continuation and premium for Buyers 128 owner's policy, and 11 applicable. Buyers lender's policy. Seller shall not be obligated to pay more than 129• $ _ (if blank, $200 00) for abstract continuation or title search ordered or performed by Closing 130 Agent. 131 (d) SURVEY: At least 5 days prior to Closing, Buyer may, at Buyer's expense, have the Real Properly surveyed 132 and certified by a registered Florida surveyor ( "Survey ") If Seller has a survey covering the Real Property, a 191 copy shall be furnished to Buyer and Closing Agent within 5 days after Effective Dato 134 (e) HOME WARRANTY: At Closing, ❑ Buyer ❑ Seller © N/A will pay for a home warranty plan issued by 135' __ _ _ _ _ _ _ at a cost not to exceed $ A home 1x warranty plan provides for repair or replacement of many of a home's mechanical systems and major built -in 137 appliances in the event of breakdown due to normal wear and tear during the agreement's warranty period 136 (f) SPECIAL ASSESSMENTS: At Closing, Seller will pay: (i) the full amount of liens imposed by a public body 130 ( "public body" does not include a Condominium or Homeowner's Association) that are certified, confirmed and 140 ratified before Closing; and (ii) the amount of the public body's most recent estimate or assessment for an 141 improvement which is substantially complete as of Effective Date, but that has not resulted in a lien being 142 imposed on the Property before Closing Buyer will pay all other assessments If special assessments may 143 be paid in installments (CHECK ONE): 144•• ❑ (a) Seller shall pay installments due prior to Closing and Buyer shall pay Installments due after 145 Closing. Installments prepaid or due for the year of Closing shall be prorated. 146• © (b) Seller shall pay the assessment(s) In full prior to or at the time of Closing. 147 IF NEITHER BOX IS CHECKED, THEN OPTION (a) SHALL BE DEEMED SELECTED, 148 This Paragraph 9(f) shall not apply to a special benefit tax lien imposed by a community development district 149 (CDD) pursuant to Chapter 190 F S which lien shall be treated as an ad valorem tax and prorated pursuant to 150 S DARD K Buyer's Initi s Page 3 of 10 Seller's Initials • FloridaRealtor !Flori B - ASIS -1 Rev. 6/10 0 2010 Honda fteallorsIM) and The Florida Bar All rights reserved 151 DISCLOSURES 152 10. DISCLOSURES: 1s3 (a) RADON GAS: Radon is a naturally occurring radioactive gas that, when it is accumulated in a building in 154 sufficient quantities, may present health risks to persons who are exposed to it over time Levels of radon that 155 exceed federal and state guidelines have been found in buildings in Florida. Additional information regarding 156 radon and radon testing may be obtained from your county health department 157 (b) PERMITS DISCLOSURE: Except as may have been disclosed by Seller to Buyer in a written disclosure, 158 Seller does not know of any Improvements made to the Property which were made without required 159 permits or made pursuant to permits which have not been properly closed. teo (c) MOLD: Mold is naturally occurring and may cause health risks or damage to property If Buyer is concerned or 161 desires additional information regarding mold, Buyer should contact an appropriate professional 1oz (d) FLOOD ZONE; ELEVATION CERTIFICATION: Buyer is advised to verify by elevation certificate which flood 163 zone the Property is in, whether flood insurance is required by Buyer's lender, and what restrictions apply to 184 improving the Property and rebuilding in the event of casualty If Property is in a "Special Flood Hazard Area" 10s or "Coastal High Hazard Area and finished floor elevation is below minimum flood elevation, Buyer may 180 terminate this Contract by delivering written notice to Seller within 20 days after Effective Date, failing which 167 Buyer accepts existing elevation of buildings and flood zone designation of Property 168 (e) ENERGY BROCHURE: Buyer acknowledges receipt of Florida Energy - Efficiency Rating Information Brochure 169 required by Section 553 998, F S. 170 (f) LEAD -BASED PAINT: If Property includes pre -1978 residential housing, a lead -based paint rider is 171 mandatory. 172 (g) HOMEOWNERS' ASSOCIATION /COMMUNITY DISCLOSURE: BUYER SHOULD NOT EXECUTE THIS 173 CONTRACT UNTIL BUYER HAS RECEIVED AND READ THE HOMEOWNERS' 174 ASSOCIATION /COMMUNITY DISCLOSURE, IF APPLICABLE. 175 (h) PROPERTY TAX DISCLOSURE SUMMARY: BUYER SHOULD RIOT RELY ON THE SELLER'S CURRENT 170 PROPERTY TAXES AS THE AMOUNT OF PROPERTY TAXES THAT THE BUYER MAY BE OBLIGATED 177 TO PAY IN THE YEAR SUBSEQUENT TO PURCHASE. A CHANGE OF OWNERSHIP OR PROPERTY 178 IMPROVEMENTS TRIGGERS REASSESSMENTS OF THE PROPERTY THAT COULD RESULT IN HIGHER 1 PROPERTY TAXES IF YOU HAVE ANY QUESTIONS CONCERNING VALUATION, CONTACT THE 180 COUNTY PROPERTY APPRAISER'S OFFICE FOR INFORMATION 181 (1) TAX WITHHOLDING: If Seller is a "foreign person" as defined by the Foreign Investment in Real Property Tax 182 Act ( "FIRPTA "), Buyer and Seller will comply with FIRPTA, which may require Seller to provide additional cash 183 at Closing. 164 (j) SELLER DISCLOSURE: Seller knows of no facts materially affecting the value of the Real Property which are 185 not readily observable and which have not been disclosed to Buyer. Except as stated in the preceding sentence 186 or otherwise disclosed in writing: (1) Seller has received no written or verbal notice from any governmental tar entity or agency as to a currently uncorrected building, environmental or safety code violation; and (2) Seller 168 extends and intends no warranty and makes no representation of any type, either express or implied. as to the 189 physical condition or history of the Property 190 PROPERTY MAINTENANCE, CONDITION, INSPECTIONS AND EXAMINATIONS 191 11. PROPERTY MAINTENANCE: Except for ordinary wear and tear and Casualty Loss, Seller shall maintain the 192 Property, including, but not limited to, lawn, shrubbery, and pool, in the condition existing as of Effective Date 193 ("AS IS Maintenance Requirement "). 194 12, PROPERTY INSPECTION; RIGHT TO CANCEL: 1os• (a) PROPERTY INSPECTIONS AND RIGHT TO CANCEL: Buyer shall have 5 (If blank, 15) days from 106 Effective Date ( "Inspection Period ") within which to have such inspections of the Property performed 197 as Buyer shall desire during the inspection Period. If Buyer determines, in Buyer's sole discretion, that 196 the Property Is not acceptable to Buyer, Buyer may terminate this Contract by delivering written notice 199 of such election to Seller prior to expiration of Inspection Period. If Buyer timely terminates this 200 Contract, the Deposit paid shall be immediately returned to Buyer, thereupon, Buyer and Seller shall 201 be released of all further obligations under this Contract; however, Buyer shall be responsible for 202 prompt payment for such inspections, for repair of damage to, and restoration of, the Property 203 resulting from such inspections, and shall provide Seller with paid receipts for all work done on the 204 Property (the preceding provision shall survive termination of this Contract). Unless Buyer exercises 205 the right to terminate granted herein, Buyer accepts the physical condition of the Property and any 206 violation of governmental, building, environmental, and safety codes, restrictions, or requirements, but 207 subject to Seller's continuing AS IS Maintenance Requirement, and Buyer shall be responsible for any 208 all repairs and improvements required by Buyer's lender Buyer's Initi s Page 4 0110 Seller's Initials FloridaRealto o ar- ASIS -1 Rev 6/10 0 2010 Ftonda Realtors® and The Honda Bar All nghts reserved 209 (b) WALK- THROUGH INSPECTION /RE- INSPECTION: On the day prior to Closing Date, or on Closing Date prior 210 to time of Closing, as specified by Buyer, Buyer or Buyer's representative may perform a walk- through (and 211 follow -up walk - through, if necessary) inspection of the Property solely to confimi that all items of Personal 212 Property are on the Property and to verify that Seller has maintained the Property as required by the AS IS 213 Maintenance Requirement and has met all other contractual obligations. 214 (c) SELLER ASSISTANCE AND COOPERATION IN CLOSE -OUT OF BUILDING PERMITS: If Buyer's 215 inspection of the Property identifies open or needed building permits, then Seller shall promptly deliver to 216 Buyer all plans, written documentation or other information in Seller's possession, knowledge, or control 217 relating to improvements to the Property which are the subject of such open or needed Permits, and shall 218 promptly cooperate in good faith with Buyer's efforts to obtain estimates of repairs or other work necessary to 219 resolve such Permit issues Seller's obligation to cooperate shall include Seller's execution of necessary 220 authorizations, consents, or other documents necessary for Buyer to conduct inspections and have estimates 221 of such repairs or work prepared, but in fulfilling such obligation, Seller shall not be required to expend, or 222 become obligated to expend, any money. 221 (d)ASSIGNMENT OF REPAIR AND TREATMENT CONTRACTS AND WARRANTIES: At Buyer's option and 224 cost, Seller will, at Closing, assign all assignable repair, treatment and maintenance contracts and warranties 225 to Buyer 226 ESCROW AGENT AND BROKER 227 13. ESCROW AGENT: Any Closing Agent or Escrow Agent (collectively "Agent ") receiving the Deposit, other funds 228 and other items is authorized, and agrees by acceptance of them, to deposit them promptly, hold same in escrow 229 within the State of Florida and, subject to COLLECTION, disburse them in accordance with terms and conditions 230 of this Contract Failure of funds to become COLLECTED shall not excuse Buyer's performance. When conflicting 231 demands for the Deposit are received, or Agent has a good faith doubt as to entitlement to the Deposit, Agent 232 may take such actions permitted by this Paragraph 13, as Agent deems advisable If in doubt as to Agent's duties 233 or liabilities under this Contract, Agent may, at Agent's option, continue to hold the subject matter of the escrow 234 until the parties agree to its disbursement or until a final judgment of a court of competent jurisdiction shall 235 determine the rights of the parties, or Agent may deposit same with the clerk of the circuit court having jurisdiction 236 of the dispute. An attorney who represents a party and also acts as Agent may represent such party in such 237 action. Upon notifying all parties concerned of such action, all liability on the part of Agent shall fully terminate, 238 except to the extent of accounting for any items previously delivered out of escrow. If a licensed real estate 239 broker, Agent will comply with provisions of Chapter 475, F S , as amended and FREC rules to timely resolve 240 escrow disputes through mediation, arbitration, interpleader or an escrow disbursement order 241 Any proceeding between Buyer and Seller wherein Agent is made a party because of acting as Agent hereunder, 242 or in any proceeding where Agent interpleads the subject matter of the escrow, Agent shall recover reasonable 243 attomey's fees and costs incurred, to be paid pursuant to court order out of the escrowed funds or equivalent 244 Agent shall not be liable to any party or person for mis- delivery of any escrowed items, unless such mis- delivery is 245 due to Agent's willful breach of this Contract or Agent's gross negligence This Paragraph 13 shall survive Closing 241; or termination of this Contract. 247 14. PROFESSIONAL ADVICE; BROKER LIABILITY: Broker advises Buyer and Seller to verity Property condition, 248 square footage, and all other facts and representations made pursuant to this Contract and to consult appropriate 249 professionals for legal, tax, environmental, and other specialized advice concerning matters affecting the Property 'so and the transaction contemplated by this Contract Broker represents to Buyer that Broker does not reside on the 251 Property and that all representations (oral. written or otherwise) by Broker are based on Seller representations or 252 public records. BUYER AGREES TO RELY SOLELY ON SELLER, PROFESSIONAL INSPECTORS AND 253 GOVERNMENTAL AGENCIES FOR VERIFICATION OF PROPERTY CONDITION, SQUARE FOOTAGE AND 2r,1 FACTS THAT MATERIALLY AFFECT PROPERTY VALUE AND NOT ON THE REPRESENTATIONS (ORAL, 255 WRITTEN OR OTHERWISE) OF BROKER. Buyer and Seller (individually, the "Indemnifying Party ") each • 266 individually indemnifies, holds harmless, and releases Broker and Broker's officers, directors, agents and , • 267 employees from all liability for loss or damage, including all costs and expenses, and reasonable attomey's fees 258 at all levels, suffered or incurred by Broker and Broker's officers, directors, agents and employees in connection . 259 with or arising from claims, demands or causes of action instituted by Buyer or Seller based on: (i) inaccuracy of 200 information provided by the Indemnifying Party or from public records; (ii) Indemnifying Party's misstatement(s) or 251 failure to perform contractual obligations; (iii) Broker's performance, at Indemnifying Party's request, of any task 262 beyond the scope of services regulated by Chapter 475, F.S., as amended, including Broker's referral, 263 recommendation or retention of any vendor for, or on behalf of, Indemnifying Party; (iv) products or services 264 provided by any such vendor for, or on behalf of, Indemnifying Party; and (v) expenses incurred by any such 265 vendor Buyer and Seller each assumes full responsibility for selecting and compensating their respective vendors 266 and paying their other costs under this Contract whether or not this transaction closes This Paragraph 14 will not 267 relieve Bro r of statutory obligations under Chapter 475, F S , as amended For purposes of this Paragraph 14, Buyer's Initials _ Page 5 of 10 Seller's Initials ( Y FlondaRcaltora /Florida - ASIS -1 Rev 6/10 G'3 _ 2010 Florida Realtors® and The Florida Rar All rights reserved 268 Broker will be treated as a party to this Contract This Paragraph 14 shall survive Closing or termination of this 269 Contract 270 DEFAULT AND DISPUTE RESOLUTION 271 15. DEFAULT: 272 (a) BUYER DEFAULT: If Buyer fails, neglects or refuses to perform Buyer's obligations under this Contract. 273 including payment of the Deposit, within the time(s) specified, Seller may elect to recover and retain the 274 Deposit for the account of Seller as agreed upon liquidated damages. consideration for execution of this 275 Contract, and In full settlement of any claims, whereupon Buyer and Seller shall be relieved from all further 276 obligations under this Contract, or Seller, at Seller's option, may, pursuant to Paragraph 16, proceed in equity 277 to enforce Sellers rights under this Contract The portion of the Deposit, if any, paid to Listing Broker upon 278 default by Buyer, shall be split equally between Listing Broker and Cooperating Broker; provided however, 270 Cooperating Broker's share shall not be greater than the commission amount Listing Broker had agreed to pay 280 to Cooperating Broker 2e1 (b) SELLER DEFAULT: If for any reason other than failure of Seller to make Seller's title marketable after 282 reasonable diligent effort, Seller fails, neglects or refuses to perform Seller's obligations under this Contract, 283 Buyer may elect to receive return of Buyer's Deposit without thereby waiving any action for damages resulting 284 from Seller's breach, and, pursuant to Paragraph 16, may seek to recover such damages or seek specific 285 performance. This Paragraph 15 shall survive Closing or termination of this Contract 286 16. DISPUTE RESOLUTION: Unresolved controversies, claims and other matters in question between Buyer and 287 Seller arising out of, or relating to, this Contract or its breach, enforcement or interpretation ( "Dispute') will be 288 settled as follows: 289 (a) Buyer and Seller will have 10 days after the date conflicting demands for the Deposit are made to attempt to 290 resolve such Dispute, failing which, Buyer and Seller shall submit such Dispute to mediation under 291 Paragraph 16(b) 292 (b) Buyer and Seller shall attempt to settle Disputes in an amicable spanner through mediation pursuant to Florida 203 Rules for Certified and Court- Appointed Mediators and Chapter 44, F. S., as amended (the "Mediation Rules ") 294 The mediator must be certified or must have experience in the real estate industry. Injunctive relief may be 295 sought without first complying with this Paragraph 16(b). Disputes not settled pursuant to this Paragraph 16 296 may be resolved by instituting action in the appropriate court having jurisdiction of the matter This Paragraph 16 207 shall survive Closing or termination of this Contract 298 17. ATTORNEY'S FEES; COSTS: The parties will split equally any mediation fee incurred in any mediation permitted 209 by this Contract, and each party will pay their own costs, expenses and fees, including attomey's fees, incurred in 300 conducting the mediation In any litigation permitted by this Contract, the prevailing party shall be entitled to 301 recover from the non - prevailing party costs and fees, including reasonable attorney's fees, incurred in conducting 302 the litigation This Paragraph 17 shall survive Closing or termination of this Contract. 303 STANDARDS FOR REAL ESTATE TRANSACTIONS ("STANDARDS ") 304 18. STANDARDS: 305 A. TITLE: 300 (1) TITLE EVIDENCE; RESTRICTIONS; EASEMENTS; LIMITATIONS: Within the time period provided in 307 Paragraph 9(c), the Title Commitment, with legible copies of instruments listed as exceptions attached thereto, shall 308 be issued and delivered to Buyer. The Title Commitment shall set forth those matters to be discharged by Seller at or 309 before Closing and shall provide that, upon recording of the deed to Buyer, an owner's policy of title insurance in the 310 amount of the Purchase Price, shall be issued to Buyer insuring Buyer's marketable title to the Real Property, 311 subject only to the following matters: (a) comprehensive land use plans, zoning, and other land use restrictions, 312 prohibitions and requirements imposed by governmental authority; (b) restrictions and matters appearing on the Plat 313 or otherwise common to the subdivision; (c) outstanding oil, gas and mineral rights of record without right of entry; 314 (d) unplatted public utility easements of record (located contiguous to real property lines and not more than 10 feet in 315 width as to rear or front lines and 7 1/2 feet in width as to side lines); (e) taxes for year of Closing and subsequent 318 years: and (f) assumed mortgages and purchase money mortgages, if any (if additional items, attach addendum); 317 provided, that none prevent use of the Property for RESIDENTIAL PURPOSES If there exists at Closing any 318 violation of items identified in (b) - (f) above, then the same shall be deemed a title defect Marketable title shall be 310 determined according to applicable Title Standards adopted by authority of The Florida Bar and In accordance with 320 law. 321 (ii) TITLE EXAMINATION: Buyer shall have 5 days after receipt of Title Commitment to examine it and notify 312 Seller in writing specifying defect(s), if any, that render title unmarketable. If Seller provides Title Commitment and it 323 is delivered to Buyer less than 5 days prior to Closing Date, Buyer may extend Closing for up to 5 days after 324 date of receipt to examine same in accordance with this STANDARD A Seller shall have 30 days ( "Cure Period ") 325 after recei t of Buyer's notice to take reasonable diligent efforts to remove defects If Buyer fails to so notify Seller. Sze Buyer be deemed to have accepted title as it then is. If Seller cures defects within Cure Period, Seller will Buyer's India i Page 6 of 10 Seller's Initials _._ FlorldaRealtor fond r-' IS -1 Rev 6/1002010 Florida Reaitorsfiu and The Florida Bar All rights reserved 377 STANDARDS FOR REAL ESTATE TRANSACTIONS (CONTINUED) 328 deliver written notice to Buyer (with proof of cure acceptable to Buyer and Buyer's attomey) and the parties will 32a close this Contract on Closing Date (or if Closing Date has passed, within 10 days after Buyer's receipt of Sellers 330 notice) If Seller is unable to cure defects within Cure Period, then Buyer may, within 5 days after expiration of 331 Cure Period, deliver written notice to Seller: (a) extending Cure Period for a specified period not to exceed 120 days 332 within which Seller shall continue to use reasonable diligent effort to remove or cure the defects ( "Extended Cure 333 Period "); or (b) electing to accept title with existing defects and close this Contract on Closing Date (or if Closing Date 334 has passed, within the earlier of 10 days after end of Extended Cure Period or Buyer's receipt of Seller's notice), or 335 (c) electing to terminate this Contract and receive a refund of the Deposit, thereby releasing Buyer and Seller from 335 all further obligations under this Contract. If after reasonable diligent effort, Seller is unable to timely cure defects, 337 and Buyer does not waive the defects, this Contract shall terminate, and Buyer shall receive a refund of the Deposit, :13e thereby releasing Buyer and Seller from all further obligations under this Contract 339 B. SURVEY: If Survey discloses encroachments on the Real Property or that improvements located thereon 340 encroach on setback lines, easements, or lands of others; or violate any restrictions, covenants, or applicable 341 governmental regulations described in STANDARD A (i)(a), (b) or (d) above, Buyer shall deliver written notice of such 342 matters, together with a copy of Survey, to Seller within 5 days after Buyer's receipt of Survey, but no later than 343 Closing. If Buyer timely delivers such notice and Survey to Seller, such matters identified in the notice and Survey 344 shall constitute a title defect, subject to cure obligations of STANDARD A above If Seller has delivered a prior 345 survey, Seller shall, at Buyer's request, execute an affidavit of "no change" to the Real Properly since the 346 preparation of such prior survey, to the extent the affirmations therein are true and correct. 347 C. INGRESS AND EGRESS: Seller represents that there is ingress and egress to the Real Property and title to 346 the Real Property is insurable in accordance with STANDARD A without exception for lack of legal right of access. 340 D. LEASES: Seller shall, within 5 days after Inspection Period, furnish to Buyer copies of all written leases and 350 estoppel letters from each tenant specifying nature and duration of tenant's occupancy, rental rates, advanced rent 351 and security deposits paid by tenant, and income and expense statements for preceding 12 months ( "Lease 352 Information ") If Seller is unable to obtain estoppel letters from tenant(s), the same information shall be furnished by 353 Seller to Buyer within that time period in the form of a Seller's affidavit, and Buyer may thereafter contact tenant(s) 354 to confirm such information If terms of the lease(s) differ materially from Seller's representations, Buyer may deliver 355 written notice to Seller within 5 days after receipt of Lease Information, but no later than 5 days prior to Closing 356 Date, terminating this Contract and receive a refund of the Deposit, thereby releasing Buyer and Seller from all 357 further obligations under this Contract Seller shall, at Closing, deliver and assign all original leases to Buyer who 358 shall assume Seller's obligation thereunder 350 E LIENS: Seller shall fumish to Buyer at Closing an affidavit attesting; (i) to the absence of any financing 360 statement, claims of lien or potential lienors known to Seller, and (ii) that there have been no improvements or repairs 361 to the Real Property for 90 days immediately preceding Closing Date. If the Real Property has been improved or 362 repaired within that time, Seller shall deliver releases or waivers of construction liens executed by all general 363 contractors, subcontractors, suppliers and materialmen in addition to Seller's lien affidavit setting forth names of all 304 such general contractors, subcontractors, suppliers and materialmen, further affirming that all charges for 305 improvements or repairs which could serve as a basis for a construction lien or a claim for damages have been paid 386 or will be paid at Closing 367 F. TIME: Calendar days shall be used in computing time periods Any time periods provided for In this Contract 368 which shall end old a Saturday, Sunday, or a national legal holiday (see 5 U S,C 6103) shall extend to 5:00 p m 360 (where the Property is located) of the next business day Time is of the essence in this Contract. 37o G. FORCE MAJEURE: Buyer or Seller shall not bo required to perform any obligation under this Contract or be 371 liable to each other for damages so long as performance or non - performance of the obligation is delayed, caused or 372 prevented by Force Majeure. 'Force Majeure" means: hurricanes, earthquakes, floods, fire, acts of God, unusual 373 transportation delays, wars, insurrections, acts of terrorisrn, and any other cause not reasonably within control of 374 Buyer or Seller, and which, by exercise of reasonable diligent effort, the non - performing party is unable in whole or in 375 part to prevent or overcome All time periods, including Closing Date, will be extended for the period that the Force 376 Majeure prevents performance under this Contract, provided, however. if such Force Majeure continues to prevent 377 performance under this Contract more than 14 days beyond Closing Date, then either party may terminate this 378 Contract by delivering written notice to the other and the Deposit shall be refunded to Buyer, thereby releasing Buyer 37e and Seller from all further obligations under this Contract. 38o H. CONVEYANCE: Seller shall convey marketable title to the Real Property by statutory warranty, trustee's, 381 personal representative's, or guardian's deed, as appropriate to the status of Seller, subject only to matters described 382 in STANDARD A and those accepted by Buyer Personal Property shall, at request of Buyer, be transferred by 383 absolute bill of sale with warranty of title, subject only to such matters as may be provided for in this Contract. 384 I. CLOSING LOCATION; DOCUMENTS; AND PROCEDURE: 385 (1) LOC ON: Closing will take place in the county where the Real Property is located at the office of the as attorney or ther closing agent ( "Closing Agent ") designated by the party paying for the owner's policy of title Buyer's Initial . I Page 7 of 10 Seller's Initials I FloridaRealtorsl lorida a $lS -1 Rev. 6110IP 2010 Flonda Realtors® and The Florida Bar All nghls reserved \ / 387 STANDARDS FOR REAL ESTATE TRANSACTIONS (CONTINUED) 388 insurance, or, if no title insurance, designated by Seller Closing may be conducted by mail or electronic means. 300 (ii) CLOSING DOCUMENTS: At Closing, Seller shall furnish and pay for, as applicable, deed, bill of sale, 390 certificate of title, construction lien affidavit. owners possession affidavit, assignments of leases, and corrective 391 instruments. Seller shall provide Buyer with paid receipts for all work done on the Property pursuant to this Contract 392 Buyer shall furnish and pay for, as applicable, mortgage, mortgage note, security agreement, financing statements, 393 survey, base elevation certification, and other documents required by Buyer's lender 394 (iii) PROCEDURE: The deed shall be recorded upon COLLECTION of all closing funds If the Title 395 Commitment provides insurance against adverse matters pursuant to Section 627 7841, F S., as amended, the 396 escrow closing procedure required by STANDARD J shall be waived. and Closing Agent shall, subject to 397 COLLECTION of all closing funds, disburse at Closing the brokerage fees to Broker and the net sale proceeds to 398 Seller. 399 J. ESCROW CLOSING PROCEDURE: 0 Title Commitment issued pursuant to Paragraph 9(c) does not provide 400 for insurance against adverse matters as permitted under Section 627 7841, F S., as amended, the following escrow 4oi and closing procedures shall apply: (1) all Closing proceeds shall be held in escrow by the Closing Agent for a period 4e2 of not more than 10 days after Closing; (2) if Sellers title is rendered unmarketable, through no fault of Buyer, Buyer 403 shall, within the 10 day period, notify Seller in writing of the defect and Seller shall have 30 days from date of receipt 4o4 of such notification to cure the defect; (3) if Seller fails to timely cure the defect, the Deposit and all Closing funds 405 paid by Buyer shall, within 5 days after written demand by Buyer, be refunded to Buyer and, simultaneously with 406 such repayment, Buyer shall return the Personal Property, vacate the Real Property and re- convey the Property to 407 Seller by special warranty deed and bill of sale; and (4) if Buyer fails to make timely demand for refund of the 40s Deposit, Buyer shall take title as is, waiving all rights against Seller as to any intervening defect except as may be 409 available to Buyer by virtue of warranties contained in the deed or bill of sale 410 K. PRORATIONS; CREDITS: The following recurring items will be made current (if applicable) and prorated as of 411 the day prior to Closing Date, or date of occupancy if occupancy occurs before Closing Date: real estate taxes 412 (including special benefit tax assessments imposed by a CDD), interest, bonds, association fees, insurance, rents 413 and other expenses of Property. Buyer shall have option of taking over existing policies of insurance, if assumable, in 414 which event premiums shall be prorated Cash at Closing shall be increased or decreased as may be required by 415 prorations to be made through day prior to Closing. Advance rent and security deposits, if any, will be credited to 416 Buyer. Escrow deposits held by Seller's mortgagee will be paid to Seller Taxes shall be prorated based on current 417 year's tax with due allowance made for maximum allowable discount, homestead and other exemptions. If Closing 418 occurs on a date when current year's millage is not fixed but current year's assessment is available, taxes will be 419 prorated based upon such assessment and prior years millage. If current year's assessment is not available, then 420 taxes will be prorated on prior year's tax If there are completed improvements on the Real Property by January 1st of 471 year of Closing, which improvements were not in existence on January 1st of prior year, then taxes shall be prorated 422 based upon prior year's millage and at an equitable assessment to be agreed upon between the parties, failing which, 423 request shall be made to the County Property Appraiser for an informal assessment taking into account available 474 exemptions A tax proration based on an estimate shall, at either party's request, be readjusted upon receipt of 425 current year's tax bill This STANDARD K shall survive Closing. 426 L. ACCESS TO PROPERTY TO CONDUCT APPRAISALS, INSPECTIONS, AND WALK - THROUGH: Seller 427 shall, upon reasonable notice, provide utilities service and access to Property for appraisals and inspections, 428 including a walk- through (or follow -up walk- through 0 necessary) prior to Closing 429 M. RISK OF LOSS: If, after Effective Date, but before Closing, Properly is damaged by fire or other casualty 430 ( "Casualty Loss ") and cost of restoration (which shall include cost of pruning or removing damaged trees) does not 431 exceed 1.5% of Purchase Price, cost of restoialiurl shall be an obligation of Seller and Closing shall proceed 437 pursuant to terms of this Contract. If restoration is not completed as of Closing, a sum equal to 125% of estimated 433 cost to complete restoration (not to exceed 1 5% of Purchase Price), will be escrowed at Closing 0 actual cost of 434 restoration exceeds escrowed amount, Seller shall pay such actual costs (but, not in excess of 1 5% of Purchase 43s Price) Any unused portion of escrowed amount shall be returned to Seller_ 0 cost of restoration exceeds 1 5% of 439 Purchase Price, Buyer shall elect to either take Property as is" together with the 1.5 %, or receive a refund of the 437 Deposit, thereby releasing Buyer and Seller from all further obligations under this Contract. Seller's sole obligation 438 with respect to tree damage by casualty or other natural occurrence shall be cost of pruning or removal 439 N. 1031 EXCHANGE: 0 either Seller or Buyer wish to enter into a like -kind exchange (either simultaneous with 440 Closing or deferred) under Section 1031 of the Internal Revenue Code ( "Exchange "), the other party shall cooperate 441 in all reasonable respects to effectuate the Exchange, including execution of documents; provided, however, 442 cooperating party shall incur no liability or expense related to the Exchange, and Closing shall not be contingent 443 upon, nor extended or delayed by, such Exchange 444 0.. CONTRACT NOT RECORDABLE; PERSONS BOUND; NOTICE; COPIES: Neither this Contract nor any 445 notice of it shall be recorded in any public records This Contract shall be binding on, and inure to the benefit of, the 446 parties heir respe tive heirs or successors in interest. Whenever the context permits, singular shall include plural Buyer's Initials / Page 8 of 10 Seller's Initials FlondaRealtors(Flo ar -A IS -1 Rev 6/1002010 Florida Realtors0anus The Florida Bar All rights reserved 447 STANDARDS FOR REAL ESTATE TRANSACTIONS (CONTINUED) 4.18 and one gender shall include all Notice and delivery given by or to the attorney or broker (including such broker's real 449 estate licensee) representing any party shall be as effective as if given by or to that party All notices must be in 450 writing and may be made by mail, personal delivery or electronic (including "pdr) media A legible facsimile or 451 electronic (including "pdf') copy of this Contract and any signatures hereon shall be considered for all purposes as an 452 original. 453 P. INTEGRATION; MODIFICATION: This Contract contains the full and complete understanding and agreement 454 of Buyer and Seller with respect to the transaction contemplated by this Contract and no prior agreements or 455 representations shall be binding upon Buyer or Seller'unless included in this Contract. No modification to or change 456 in this Contract shall be valid or binding upon Buyer or Seller unless in writing and executed by the parties intended 457 to be bound by it 458 Q. WAIVER: Failure of Buyer or Seller to insist on compliance with, or strict performance of, any provision of this 459 Contract, or to take advantage of any right under this Contract, shall not constitute a waiver of other provisions or 4110 rights. 401 R. RIDERS; ADDENDA; TYPEWRITTEN OR HANDWRITTEN PROVISIONS: Riders, addenda, and typewritten 462 or handwritten provisions shall control all printed provisions of this Contract in conflict with them 463 S. COLLECTION or COLLECTED: "COLLECTION' or "COLLECTED" means any checks tendered or received, 484 including Deposits, have become actually and finally collected and deposited in the account of Escrow Agent 485 or Closing Agent Closing and disbursement of funds and delivery of Closing documents may be delayed by 480 Closing Agent until such amounts have been COLLECTED in Closing Agent's accounts. 487 T. LOAN COMMITMENT: "Loan Commitment" means a statement by the lender setting forth the terms and 468 conditions upon which the lender is willing to make a particular mortgage loan to a particular borrower 469 U. APPLICABLE LAW AND VENUE: This Contract shall be construed in accordance with the laws of the State of 470 Florida and venue for resolution of all disputes, whether by mediation, arbitration or litigation, shall lie in the county in 471 which the Real Property is located. 472 X. BUYER WAIVER OF CLAIMS: Buyer waives any claims against Seller and to the extent permitted by 473 law, against any real estate licensee Involved in tho negotiation of this Contract, for any defects or other 474 damage that may exist at Closing of this Contract and be subsequently discovered by the Buyer or anyone 475 claiming by, through, under or against the Buyer. 470 ADDENDA AND ADDITIONAL TERMS 477 19. ADDENDA: The following additional terms are included in the attached addenda and incorporated into this 478' Contract (Check If applicable): ❑ A. Condominium Assn ❑ L RESERVED ❑ R Rezoning ❑ Y Seller's Attorney ❑ B Homeowners' Assn ❑ S Lease Purchase / Approval ❑ C Seller Financing ❑ M Defective Drywall Lease Option ❑ 7 Buyer's Attorney ❑ D Mortgage Assumption ❑ N . Coastal Construction ❑ T Pre - Closing Approval ❑ E FHANA Financing Control Line Occupancy ❑ AA Licensee- Personal F._Appraisal Contingency ❑ 0 Insulation Disclosure ❑ U Post- Closing Interest in Property Short Sale ❑ P. Pre -1978 Housing Occupancy ❑ BB. Binding Arbitration ❑ t Homeowners' insurance Statement (Lead ❑ V Sale of Buyer's ❑ Other ❑ I FIRPTA Based Paint) Property i ❑ J Interest - Bearing Acct ❑ Q Housing for Older ❑ W Back -up Contract ❑ K RESERVED Persons ❑ X Kick -out Clause 419 20. ADDITIONAL TERMS: 480' ____- -- --- - -.... _._ .... ' 481 ______ -- - -- -. - - . -.._- _.._ .._ 402 ' 403" 484' -- - - -- - 485' — — — 488' — — -- -- --- -- --- --- - -. __ - - . 487' _`. ' 488' 489' 490' 491' - 492' _ -_ 493' -- - -_. .. - - - - -- Buyer's Inil Is Page 9 of 10 Seller's Initials ' FloridaRealto /Florl T:ar- ASIS -1 Rev 6/10 2010 Florida Realtorst and The Florida Bar Ali rights reserved 494 COUNTER- OFFER/REJECTION 405• ❑ Seller counters Buyer's offer (to accept the counter -offer, Buyer must sign or initial the counter - offered terms and 49e deliver a copy of the acceptance to Seller) 4o7 ❑ Seller rejects Buyer's offer eoe THIS IS INTENDED TO BE A LEGALLY BINDING CONTRACT IF NOT FULLY UNDERSTOOD, SEEK THE ADVICE 4911 OF AN ATTORNEY PRIOR TO SIGNING 50o THIS FORM HAS BEEN APPROVED BY THE FLORIDA REALTORS AND THE FLORIDA BAR 501 Approval of this Corm by the Florida Realtors and The Florida Bar does not constitute an opinion that any of the terms 502 and conditions in this Contract should be accepted by the parties in a particular transaction Terms and conditions 503 should be negotiated based upon the respective interests, objectives and bargaining positions of all interested 504 persons 505 AN ASTERISK ( ") Fe LLOWING A LINE NUMBER IN THE MARGIN INDICATES THE LINE CONTAINS A BLANK TO soo BE COMPLETED 1 5or. Buyer: - tin , . �J /I " ?) Jfi Date: _ l( l � �/J ), 508• Buyer: — Date: ..c • r. ) 5oe• Seller: (t'.I l 4– (�(�. Date: r 510 Seller: Date: 511 Buyers address for purposes of notice Seller's address for purposes of notice 512 1450 S Dixie Hwy #101, Boca Raton, Florida 33432 513 561- 404 - 4900 614• 515 BROKER: Listing and Cooperating Brokers, if any, named below (collectively, "Broker"), are the only Brokers entitled 51s to compensation in connection with this Contract Instruction to Closing Agent: Seller and Buyer direct Closing Agent 517 10 disburse at Closing the full amount of the brokerage fees as specified in separate brokerage 518 agreements with the parties and cooperative agreements between the Brokers, except to the extent Broker has 519 retained such fees from the escrowed funds This Contract shall not modify any MLS or other offer of compensation 520 made by Seller or Listing Broker to Cooperating Brokers 521• Marlene Brunel) 522 Cooperating Sales Associate, If any Listing Sales Associate 513. Realty Today Inc. 624 Cooperating Broker, if any Listing Broker Page 10 of 10 rlorideReallors/FloridaBar- ASIS -1 Rev 6/10 02010 Florida Realtors00 and The Florida Bar All rights reserved THIS FORM HAS BEEN APPROVED BY THE FLORIDA ASSOCIATION OF REALTORS' AND THE FLORIDA BAR Comprehensive Rider to the FAR /BAR Contract for Sale and Purchase USE THE RIDERS THAT APPLY 11 initialed by all parties, the clauses below will be incorporated into the FAR/BAR Contract tor Sale and Purchase between Owner Of.Record _— (Seller) and Harvest Resdiential Il, LLC __ (Buyer) concerning the Properly described as CONDOMINIUM ASSOCIATION DISCLOSURE Bu :r's in ials - Seller's initials: 1110 be made a part of the Contract ( ' ( )--( )( ) *it NDOMINIUM ASSOCIATION APPROVAL; RELAT D FEES: The ssociation's approval of Buyer (CHECK ONLY ON is U is not required If approval is required, the Contract is contingent upon Buyer being approved by the Association no later tha _ days prior to Closing Buyer shall apply for approval within days after Effective Date and shall use diligent effort to obtain such approval, including making personal appearances if required Buyer and Seller shall sign and deliver any documents required by the Association in order to complete the transfer of the Property and shall divide equally all application and transfer fees charged by the Association If Buyer is not approved within the staled time period, the deposit(s) will be returned to the Buyer and the Contract will terminate 2. RIGHT OF FIRST REFUSAL; RELATED FES I (a) The Association (CI IECK ONLY ONE) U ha does not have a right of first refusal ( "Right ") If the Association has a Right, the Closing is contingent upon the first to occur of the Association providing written confirmation to Buyer that the Association is not exercising that Right or upon the expiration of the time permitted for the exercise of such Right, without the exercise of same, pur- suant to the terms of the Declaration of Condominium ("Declaration ", which reference includes all amendments thereto) Buyer and Seller shall, within _ _ days after Effective Date, sign and deliver any documents required as a condition precedent to the exer- cise of the Right, shall use diligent effort to submit arid process the matter with the Association, including personal appearances, if required, and shall divide equally any application and transfer fees c arged by the Association (b) The members of the Association (CHECK ONLY ONE) l) hav do nol have a Right If the members do have a Right, the Closing is contingent upon the first to occur of the Association pro ing written confirmation to the Buyer that the rnembers of the Association have not elected to exercise that Right or upon the expiration of the time permitted for the exercise of such Right, with- out the exercise of same, pursuant to the terms of the Declaration (c) If, within the stated time period, the Association or the members of the Association fail to provide the written confirmation or if the Right does not otherwise expire or if the Association or a member thereof exercises the Right, then the deposit(s) will be returned to the Buyer and the Contract will terminate 3. FEES; ASSESSMENTS; PRORATIONS: (a) Seller represents that the current maintenance assessment Is $ • UJ _ .... -- per month and the current rent on recreation areas is $ .._ "—•- per month All assessments levied by the Association, arld rent on recreational areas if arty, shall be rnade current by Seller at Closing, and Buyer shall reimburse Seller for prepayments (b) Seller shall pay special assessments levied by the Association prior to the Closing, unless otherwise agreed in writing after Seller's full written disclosure to Buyer of pending al nounts Buyer shall pay special assessments levied by the Association on or atter the Closing Association assets and liabilities, including Association reserve accounts, shall not be prorated A special assessment shall be deemed "levied ", tor purposes of this paragraph on the date when the Association's Board of Administration or the required percentage of unit owners, or both, has voted in accordance with Florida law and the condominium documents to approve the spe- cial assessment Seller has no knowledge of anv pending special assessment except as follows: $ - .. imposed for the following purposes: (c) Pursuant to sections 718 112(2)(I) and 718 1085(1), FS , in the event the Association has voted to forego retrofitting its fire sprinkler system or handrails and guardrails for the condominium units, Seller shall furnish to Buyer, prior to Closing, the written notice of Association's vote to forego such retrofitting (see continuation) rBCN 10 Rov. 1/09 0 2009 Florida Association of Rooms" and Trio! lorida Bar All Rights Resolved Pagu or Comprehensive Rider to tho FAR/BAR Contract for Sale and Purchase CONDOMINIUM ASSOCIATION DISCLOSURE(continued) uyer's initials - Seller's initials: If to be made a part of the Contract ) ( ) - ( �,)( ) N- DEVELOPER DI (CHECK ONLY ONE) (a) . THE BUYER HEREBY ACKNOWLEDGES THAT BUYER HAS BEEN PROVIDED A CURRENT COPY OF THE DECLARATION Of CONDOMINIUM, ARTICLES OF INCORPORATION OF 1 HE ASSOCIATION, fYI AWS AND RULES OF 1 HE_ ASSOCIATION, AND A COPY OF THE MOS1 RECENT YEAH -END FINANCIAL INFORMATION AND FREQUEN I LY ASKED QUESTIONS AND ANSWERS DOCUMENT MORE THAN 3 DAYS, EXCLUDING SATURDAYS, SUNDAYS, AND LEGAL HOLIDAYS, PRIOR TO EXF UTION OF THIS CONTRACT (b) THIS AGREEMENT IS VOIDABLE BY BUYER BY DELIVERING WIIfTTEN NOl ICE OF THE BUYER'S IN LNTION TO CANCEL 1 IN 3 DAYS, EXCLUDING SATURDAYS, SUNDAYS, AND LEGAL HOLIDAYS, AFTER THE DATE OF EXECUTION OF I HIS AGREEMENT BY THE BUYER AND RECEIPT BY BUYER OF A CURRENT COPY OF THE DECLARATION OF CONDOMINIUM, ARTICLES OF INCORPORATION, BYLAWS AND RULES OF THE ASSOCIATION, AND A COPY OF THE MOST RECENT YEAR- END FINANCIAL INFORMATION AND FREQUENTLY ASKED QUESTIONS AND ANSWERS DOCUMENT IF SO REQUESTED IN WRITING. ANY PURPORTED WAIVER OF THESE VOIDABILITY RIGHTS SHALL BE OF NO EFFECT BUYER MAY EXTEND THE TIME FOR CLOSING FOR A PERIOD OF NOT MORE THAN 3 DAYS, EXCI UDING SATI JRt)AYS, SUNDAYS, AND LEGAL. HOLI- DAYS, AFTER THE BUYER RECEIVES TI 1E DECLARATION, ARTICLES OF INCORPORATION, BYl AWS AND RULES OF THE ASSOCIATION, AND A COPY OF THE MOST RECENT YEAR -END FINANCIAL INFORMATION AND FREQUENTLY ASKED QUES- TIONS AND ANSWERS DOCUMENT IF REQUESTED IN WRITING BUYER'S RIGHT TO VOID THIS AGREEMENT SHALL TERMI NATE AT CI OSING 5. BUYER'S REQ EST FOR DOCUMENTS: Buyer is entitled, at eller' expense, to current copies of the condominium documents specified in Paragraph 4, above Buyer (CHECK ONLY ON - • equests U does not request a current copy of the documents specified in Paragraph 4, above If this Contract does not dos Buyer shall immediately return the documents to Seller or reimburse Seller for the cost of the documents. 6. BUYER'S RECEIPT OF DOCUMENTS: (COMPLETE AND CHECK ONLY IF CORRECI) U Buyer received the documents described in Paragraph 4, abovo. on the day of - - 7. COMMON ELEMENTS; PARKING: 1 he Property includes the unit being purchased arid an undivided interest in tile common elements and any appurtenant Limited common elements of the condominium, as specified in the Declaration Seller's right and interest in or to the use of the following parking space(s), garage, and other areas are included in the sale of the Property and shall be assigned to Buyer at Closing, subject to the Declaration: U Parking Space(s) 11 0 Garage f! U Other: 8. INSPECTIONS AND REPAIRS: The rights and obligations arising under Standards D, N and X of the Contract are limited to the individual unit and do not extend to conrnorl elements, lin+iled common elements, or any other part of the Property except the individual unit 9. GOVERNANCE FORM: PURSUANT TO CHAPTER 718, FLORIDA STATUTES, BUYER IS ENTITLED TO RECEIVE FROM SELLER A COPY OF THE GOVER- NANCE FOfiM IN THE FORMAT PROVIDED BY THE DIVISION OF FLORIDA CONDOMINIUMS, TIME SHARES AND MOBILE HOMES OF THE DEPARTMENT OF BUSINESS AND PROFESSIONAL REGULATION. SUMMARIZING THE GOVERNANCE OF THE CONDOMINIt)M ASSOCIATION FBC11-10 Rov. 1109 id 2009 Fterlda As ;o iation of Rue roes' anti The Fkxitta BM All Rights Hr:s tiered f':;9e .._ _ . _ of Comprehensive cider to thn f-AR/I3AR Contract for Sate and Purchase ,, . .0 Contract . . ,, r i . 1 he following provisions are made part of the Contract for Sale and Purchase or Residential Sale and Purchase Contract between Owner of Record _ -__ (Seller) and Harvest Residential II, LLC (Buyer) concerning the Properly located at r N r !., 0 ` ai✓k ) .)..47? (/ .,! 33€()i5^ — — 1 Approval of the Lender: This Contract is contingent upon: (a) the Seller's lender(s) and /or other lien holder(s) (collectively the "Lender ") approval of the purchase price, terns of the Contract and the HUD -1 settlement statement (b) the Lender's agreement to accept a payoff which is less than the balance due on the loan or other indebtedness and (c) the Lender's release and satisfaction of the mortgage(s) and /or other lien(s) upon receipt of discounted payoff If Seller does not deliver written notice to Buyer that Lender has approved the purchase price and contract terms within _ days from Effective Date ( "Approval Deadline ") (45 days if lett blank), either party may within five (5) days thereafter cancel the Contract by delivering written notice to the other 2 Effective Date and Time for Acceptance: the Effective Date and the time tor acceptance of all offers and counteroffers under the Contract shall be computed as set forth in the Contract 3. T periods: (check one) Except for Approval Deadline, all time periods for inspections, contingencies, deposit(s) and other obligations under the Contract shall commence from the date Seller delivers written notice to Buyer that the Contract has been approved by the Lender J All time periods under the Contract shall commence from the Effective Date tinder the Contract Buyer and Seller agree to extend the Closing Date in the Contract, not to exceed _ __._ ._ days (10 days if left blank) if the Lender requires additional time to complete the short sale transaction 4 Acknowledgement by Buyer: Buyer acknowledges that the Lender is not a party to the Contract and therefore is not obligated to approve the Contract Buyer further acknowledges that Seller and Broker are not liable for delays caused by Lender, failure of the Lender to approve the Contract, failure of the Lender to complete the Short Sale alter approving the Contract or any costs and expenses (such as payments for loan applications, inspections, and appraisals) associated with the delays or Lender's failure to approve the Contract or corplete the Short Sale atter approving the Contract 5. Multiple Offers: Unless otherwise agreed by Buyer and Seller in writing, Seller may continue to market the Property for sale and accept other offers and submit those accepted otters to the Lender I his addendum amends the above - referenced Cur di act between Seller arid Buyer All other non- conflicting provisions of that agreement re ' ain in full force and effect 7 L . • DATE 1(//4/P-- .. SELLER 1 t r t tx Cd [ ! p I r r .. � ,� DATE BUYER DATE BUYER DATE SSA 2 Rev 7/08 0 2008 Florida Association of REA iokti All Rights Reserved October 19, 2012 Mr Jonathan Ginsberg Harvest Residential II, LLC 1450 South Dixie Highway, Suite 101 Boca Raton, FL 33432 Dear Mr. Ginsberg: Per your request, please note the available balance for the Harvest Residential 0, LLC account effective the date hereof at $384,000.00. Should you need additional information, please do not hesitate to contact me at 561 - 622 -5700 Sincerely, Margaret H Parkinson Assistant Branch Manager Palm Beach Gardens Office PALM BEACH COMMUNITY BANK Mhp /me • • • HUD - U S. Department of Housing A. Settlement Statement and Urban Development OMB No. 2502 -0265 B. Type of Loan ') 1. FHA 2. FmHA 3. Conv. Unins. 6. File Number 7. Loan Number 8. Mortg. Ins. Case Num. 12 -127 :7) 4. V.A. 0 5. Conv. Ins. ID: C. NOTE: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked "(p.o.e.)" were paid outside the closing; they are shown here for informational purposes and are not included in the totals. D. NAME OF BORROWER: Harvest Residential II, LLC, a Florida Limited Liability Company Address of Borrower: 1450 South Dixie Highway , Suite 101. Boca Raton, Florida 33432 E. NAME OF SELLER: Erica Poag Address of Seller: 1759 NE 6th Street, Boynton Beach, Florida 33435 TIN: F. NAME OF LENDER: Address of Lender: G. PROPERTY LOCATION: 1759 NE 6th Street, Boynton Beach. Florida 33435 H. SETTLEMENT AGENT: Carey Law Group, P.A. TIN: 27- 1497705 Place of Settlement: 1711 Worthington Rd., Suite 107, West Palm Beach, Florida 33409 Phone: 561- 247 -1266 I. SETTLEMENT DATE: 12/15/12 DISBURSEMENT DATE: 12/15/12 101. Contract sales price 105,000.00 401. Contract sales price 105,000.00 102. Personal property 402. Personal property 103. Settlement charges to borrower (Line 1400) 637.60 403. 104. 404. 105. 405. 106. City/town taxes 406. City/town taxes 107. County taxes 407. County taxes 108. Assessments 408. Assessments 109. 409 110. 1 410. 111. 411. 112. 412. 120. Gross amount due from borrower: 105,637.60 420. Gross amount due to seller: 105,000.00 200. Amounts paid or in behalf of borrower, ',00. Reductions in amount due to seller: 201. Deposit or earnest money 501. Excess deposit (see instructions) 202. Principal amount of new loan(s) _ 502. Settlement charges to seller (line 1400) 13,110.00 203. Existing loan(s) taken subject to 503. Existing loan(s) taken subject to 204. Principal amount of second mortgage 504. Payoff of first mortgage loan - Seterus 85,014.64 205. 505. Payoff of second mortgage loan 6,000.00 206. 506. Deposits held by seller 207. Principal amt of mortgage held by seller 507. Principal amt of mortgage held by seller 208. 508 209. 509. Adjustments foi ib.., unpaid by s:C•r Adjustments for items unpaid by seller. 210. City/town taxes _ 510. Cityltown taxes 211. County taxes from 01/01/12 to 12/15/12 875.36 511. County taxes from 01/01/12 to 12/15/12 875.36 212. Assessments 512. Assessments 213. _ 513 214. 514 215. ._.. 515 216. 516 - 217. - - -. - 51 218. _ 518. 219. 519. 220. Total paid by/for borrower: 675.36 520. Total reductions in amount due seller. 105,000.00 300- Cash at settlement frorn'to borrower: 600 Cash at settlement to'from seller 301. Gross amount due from borrower 105,637.60 601. Gross amount due to seller i3O (line 120) (line 420) 302. Less amount paid by/for the borrower (875.36) 602. Less total reductions in amount due seller (105,000.00) (line 220) (line 520) 303. Cash ( 0 From ❑ To ) Borrower: 104,762.24 603. Cash ( ❑ To ❑ From ) Seller: 0.00 Substitute Form 1099 Seller Statement: The information contained in blocks E, G. H, and I and on line 401 is important tax information and is being furnished to the IRS. If you are required to file a return, a negligence penalty or other sanction will be imposed on you if this Rem is required to be reported and the IRS determines that it has not been reported. Seller Instructions: If this real estate was your principal residence, file Form 2119, Sale or Exchange of Principal Residence, for any gain, with your tax return; for other transactions. complete the applicable parts of Form 4797. Form 6262 and /or Schedule D (Form 1040) Borrower's Initial(s). Sellers Initial(s): DoubleTimmi HUD -1 U.S. Department of Housing and Urban Development Page 2 Paid from Paid from L Settlenu•nt ri�.r,cro- 700. Total Sales /Brokers Corn. based on price $105,000.00 @ 6.0000 % = 6,300.00 Borrower's Seller's at 701. 3,150.00 3.0000 % to Brent Dillon - Realty Associates FL Settlement Settlement 702. 3,150.00 3.0000 % to Marlene Brunell-Realty Today 703. Commission paid at settlement 6,300.00 704. to 0■U Ilon For n n:ction with loan. 801. Loan origination fee % to 802. Loan discount % to 803. Appraisal fee to 804. Credit report to 805. Lender's inspection fee to 806. Mortgage insurance application fee to 807. Assumption Fee to 80. to 809. to 8110. to 811. to 900. Items required by lender to be paid in advance 901. Interest from to • /da 902. Mortgage insurance premium for months to 903. Hazard insurance premium for years to 904. Flood insurance premium for years to 905. ears to 1000 Resent deposited with lender 1001. Hazard insurance months A per month 1002. Mortgage insurance months (ai per month 1003. City property taxes months @ per month 1004. County property taxes months @ per month 1005. Annual assessments months (a per month 1006. Flood insurance months (o, per month 1007. months @ per month 1008. months (al per month 1009. Aggregate accounting adjustment 1100. Title charges. Borrower POCSeller 00C 1101. Settlement or closing fee to Carey Law Group, P.A. 500.00 1,500.00 1102. Abstract or title search to Carey Law Group, P.A. 125.00 1103. Title examination to 1104. Title insurance binder to 1105. Document preparation to 1106. Notary fees to 1107. Attorneys Fees to Richard Carey, Esq. 1,000.00 (includes above item numbers: ) 1108. Title Insurance 10 Old Republic National Title Insurance Company /Carey Law 600.00 (includes above item numbers: 1109. Lender's coverage (Premium): 1110. Owner's coverage (Premium): $105,000.00 ($600.00) 1111. Endorse: 4.1- 25;5.1- 25;F9.1 -60.00 110.00 1112. to 1113. to 1200. Government recording and transfer charges. 1201. Recording fees Deed $27.60 Mortgage(s) Releases 27.60 1202. City/county tax/stamps Deed Mortgage(s) 1203. State tax/stamps Deed $735.00 Mortgage(s) 735.00 1204. to 1205. to 1300 Additional settlement charges- borrower POCSeller POC 1301. Survey to 1302. Pest Inspection to 1303. Estoppel to Preserve at Boynton Beach 350.00 1304. Back Due HOA to Preserve at Boynton Beach 2,500.00 1305. to 1306. to 1307. to 1308. to 1309. 1400. Total settlement charges. ( Enter on lines 103, Section J and 502, Section K) 637.60 13,110.00 I have carefully reviewed the HUD -1 Settlement Statement and to the best of my knowledge and belief, it is a true and accurate statement of all receipts and disbursements made on my account or by me in this transaction. I further certify that I have received a copy of the HUD -1 Settlement Statement. Borrower Seller Erica Poag Borrower Seller The HUD -1 Settlement Statement which I have prepared is a true and accurate account of this transaction. I have caused, or will cause, the funds to be disbursed in accordance with this statement. Carey Law Group, P.A. By: As Its Authorized Representative Date WARNING: It is a crime to knowingly make false statements to the United States on this or any other similar form. Penalties upon conviction can include a DOUbleTlme® fine and imprisonment. For details see'. Title 18 U.S. Code Section 1001 and Section 1010 . • • • I Deportment of the Treasury - Internal Revenue Service 'i ! O A O Form 104 U.S. Individual Income Tax Return (• [ (sal tRS Use Or* -Onna wnr•arwp•ine"+P'°s r For rM year Jan. I.Dee. 31, 2010. or other rat year beginr•ro • 2010. rnr ing .20 -• OMB No. 1545 Name, R Your first name and initial Last came Your social security number Address, M Erica D Poaq -2930 and SSN r A a joint return, spouse's first name and initial Last name Spouse's social murky number c See separate E Horns address (number and street). A you have a P.O. box see Instructions. Apt no. Make awe Ow SSN(.) above instructions : NE 6th Street - and on line ec are corned. I City, town or post office. stele, and 2tP CO ds. If you have a foreign address, see instructions. Checking a boor below will not y change your tax w refund. presidential Bozoton SPnch . PI, 33435 Election Cem .. • n Check here If • u. or • r s • • - if f)' ',...4.,, , want $3 to • o to this fund see Instructions 1 ❑ You • • • use 1 Single 4 ■ Head or household (w t h quaifyng person). (See instructions.) If Filing Status 2 ❑ Married filing jointly (even If only One had income) the qualifying person Is a chid but not your dependent enter Inds 3 ❑ Married filing separately. Enter spouse's SSN abate child's name here. ► Check only one box and full name here. 1 6 ❑ Durifying widow( er ) with dependent child 6a NI Yourself. If someone can claim you as a dependent do not check box 68 . , . . . . 1 g checked Exemptions b ❑ Spouse J on 4""d 68 1 c Dependents: lip x it dee No. of children (2) Dependent's 13) Dependent's rrderage 17 on Scwho: social security number relationship to you quieting nor • Awed with you 0 chip tax ord'r • did not live with 0 ) First name Last name (see krtr.l you dew to divorce If more than four 0 or separation 0 dependents, see — r1 (see Instructional instructions and Dspendenb on ec 0 check here 1❑ �-1 not sntened above __ u Add numbers on ED d Total number of exemptions claimed Imes above • 7 Wages, saltines. lips. etc. Attach Form(s) W -2 7 47,407. incOme 8a Taxable interest. Attach Schedule B if required Sa b Tax - exempt interest. Do not Include on line 8a I Bb 1 l `y Attach Fonn(s) 9. W - here. Also 9a Ordinary dividends. Attach Schedule 8 If required � attach Forms b Qualified dividends i 9b 1 =_,:: :la`s W -20 and 10 Taxable refunds, credits. or onsets d state and local income taxes 10 1099 -R If tax 11 was withheld. 11 Alimony received — 11 you did not 12 Business Income or (loss). Attach Schedule C or C -EZ 12 get a W -2. 13 Capital gain or (loss). Attach Schedule D If required. If not required, check there . ► 0 13 see instructions. 14 Other gains or (losses). Attach Rem 4797 14 16a IRA distributions f 16a l I b Taxable amount 'Mb 16a Pensions and annuities . , 1 I b Taxable amount 16b. Enclose, but do 17 Rental real estate, royalties, partnerships, S corporations, trusts, etc. Attach Schedule E . . 17 not attach, any 18 Farm Income or (lose). Attach Schedule F 18 payment Also, 19 Unemployment compensation 19 please use Tamale amount 20b Form 1040 -V. 20e Social security benefits . . 120a 1 21 Other income. List type and amount 21 22 Add the amounts in the far right column for Ilnes 7 through 21. This is your total Income • 22 47,407. 23 Educator expenses 23 y '' , Adjusted 24 Certain business expenses of reservists, performing artists, and a' Gross tee -basis government offidais _Attach Form 2106 or 2106 -EZ . 24 oot.;4: Z't1Yg Income 25 Health savings account deduction. Attach Form 8889 26 ii .> 26 Moving expenses. Attach Form 3903 26 .11) ^ Attach i 27 One -half of self - employment tax. Schedule SE ^27sx 28 Self-employed SEP, SIMPLE, and qualified plans 28 lOrt 29 Self-employed heath insurance deduction 28 ) ' al e 30 Penalty on early withdrawal of savings 30 ',,< i "a ?. 31a Alimony paid b Recipient's SSN ► 311 a1 :1' 32 IRA deduction 32 1,000 . ? .=•'• y�a 33 Student loan interest deduction 33 {'•gin' =° r:w, ? ' 34 Tuition and ices. Attach Form 8917 34 � 35 Domestic production activlies deduction. Attach Form 8903. 36 Sa =` 38 Add Gees 23 through 31a and 32 through 35 39 1,000. 37 Subtract line 36 from line 22. This is your adjusted gross Income ► 37 46,407. For Disclosure. Privacy Act, and Paperwork Reduction Act Notics, see separate Instructions. Form 1040 (2010) UYA Form 1040 (2010) 'erica D Poact _2930 pq� 2 Tax and se Amount from line 37 (adjusted gross moon* 46 407 . Credits 39s Check r ❑ You were born before January 2, 1946, ❑ Blind. 1 Total Duxes L'.`A„ ` ! if: , ❑ Spouse was bum before January 2. 1946, ❑ Blind. 1 checked • 39 0 ;. b If our i' ":'' y Wane Nantes o a separate ream a you were a dual-statue g see inat. and died inane ► 3%0 k.,?: • , 40 Itemised deductions (from Schedule A) or your standard deduction (see instructions) i 40 12,776 41 Subtract tine 40 from ine 38 41 33,631. 42 Exemptions. Multiply 53,660 by the number on line 60 42 1, 650 43 Taxable income. Subtract the 42 from line 4 t, If the 42 is more Than line 41, enter -0- 43_ 29,981 . 44 Tax (see instructions). Check if any tat is from. a❑ Form(s) 8814 bO Form 4972 44 4,078. 45 Alternative minimum tax (see instructions). Attach Form 6251 , 45 46 Add Ines 44 and 45 la 6 4 , 078 47 Foreign t credit. Attach Form 1118 if required , , 47 - dependent care expenses. Attach Form 2441 45 48 Credit for child and ' 49 Education credits from Form 8883, line 23 . 49 'a'; 60 Retirement savings contributions credit. Attach Form 8880 , 50 ,.,� ><igs;1 61 Chid tax credit (see instructions) 51 `` §s 52 Residential energy credits. Attach Fon'n 5895 52 • 63 Osier audits from Forts: a ❑ 3800 0 ❑ 8801 c ❑ 63 ' ` :' 84 Add lines 47 through 53. These are your total credits 54 0 - 56 Subtract line 54 from line 46. If line 54 is more than line 48, enter -0- • 55 4,078. Other 66 Self - employment tax. Attach Schedule SE 56 Taxes 57 Unreported social security and Medicare tax from Form: a tD 4137 b ❑ 8919 5 7 58 Additional tax on IRAs. other qualified retirement plans. etc. Attach Form 5329 if required se 69 all Form W -2, box 9 b❑ Schedule H c Form 5405, the 18 59 60 Add Ines 55 through 59. This is your total tax • 60 4,078 . Payments 61 Federal income tax wfthhdd from Forms W -2 and 1099 61 6,063 . ' 62 2010 estimated tax payments and amount applied from 2009 return ' 62 63 Makin work credit. Attach Schedule M 63 , :? i , 9 p 400. ,, r a 64a Earned Income credit (EIC) .. NO.... 64a ''..: child, attach I b Nontaxable combat pay election, 1.646 Schedule EC I 66 Additional child tax credit. Attach Form 8812 65 N . J 66 American opportunity credit from Form 8883, line 14 , . 66 Ha; (: 67 First -time homebuyer creditfrom Form 5405, tine 10 . . 67 :t;; : 68 Amount paid with request for extension to file . . . 65 > 69 Excess social security and tier 1 RRTA tax withheld 69 70 Credit for federal tax on fuels. Attach Form 4136. _ 70 , 71 Credits from Farm: a ❑ 2439 b ❑ 8839 c ❑ 8801 d ❑ 8885 71 72 Add Ones 81, 62. 83, 64a, and 85 ttrough 71. These are your total payments • 72 6,463 . Refund 73 If fine 72 is more than line 60. subtract line 60 from line 72. This is the amount you overpaid 73 2,385. 74a Amount of One 73 you want refunded to you. If Form 8888 is attached, check here . ► J 74a 1 2,385. D;rectdeposin I. b Routing number h nA9077 A6 1 ■ c Type:® Checking ❑ Savings C ._„ 1 Sae • d Account number 7 1 flnil1Z7 Q3A7 _ -- nstntctions 76 Amount of line 73 you want applied to your 2011 estimated tax • 1 75 Amount 76 Amount you owe. Subtract line 72 from ins 80. For details On hOW to pay, see instructions ► 76 You Owe 77 Estimated tax penalty (see instructions) 77 j „ ;s;W : i.ge !, Third Party Do you want to slow another person to discuss this return with the IRS (see instructions)? U Yes. Complete below. ❑ No Designee °esgnee. Phone Personal Identification name ► no ► number (PIN) • Sign Under penalise or penury. i asses that !rune .»mined atis ream and accompanying schedules and statements. and 10 the bet of my knowtadoe srrabeaer. It a u true, coned, are comptdr Decremial or paperer robes than taepayer) le Cased rn all rnforres ion or whist pepsrN he any knowledge Here Joint return? Yo signatte e Data Your occupation Daytime phone number See pt a y t ci1t -.CAS . 24.311 t Aacountinq 561-588-3000 for Y 'Spouse's • signature. it a joint re both must sign pate Spouse's occupation a records. , Paid Pnntrrype preparer's name Preparers signature Dale Check U if PTIN self - employed Preparer Firm's EIN ► Use Only Firma Mme .... FIrm's address , Phone no UYA Form 1040 (2010 SCHEDULE A Itemized Deductions OMa NO 1546-0074 (Form 1040) 2010 DaparaneM at the treasury • Attach to Form 1040. • See Instructions for Schedules A (Form 1040). Attachment Lent R.% ft* Sean ea/ - Sequence No. 07 Nsme(s) shown on Form 1040 I Your en'I.1 security number Erica D Poaq _. -2930 Medical Caution. Do not include expenses reimbursed or paid by others. ;z and 1 Medical and dental expenses (see instructions) 1 +_;' Dental 2 Enter amount from Forth 1040, line 38 ( 2 1 :' . Expenses 3 Multiply line 2 by 7.5`X (.075) , 3 4 Subtract line 3 from line 1. If line 3 is more Can line 1, enter -0• _ _ 4 0 . Taxes You 5 Slate and local (check only one box): 1vk'= Paid a ❑ Income taxes, or 6 615.1W an....., ,. b ® :a.<tzs ,. General sales taxes {.A ; 6 Real estate taxes (see instructions) 6 1,041. dP 7 New motor vehicle laces From line 11 of the worksheet in the , .,, . 1 e " 'Ater... instructions (for certain vehicles purchesad in 2009). Skip this line '� 4': if you checked box 5b 7 f -• 8 Other taxes. List type and amount • — , ;' 8 .... V 9 Add Ines 5 through 8 9 1,656. Interest 10 Horne mortgage interest and points reported to you on Form 1098 10 10,610.W • You Paid 11 Home mortgage interest not reported to you on Form 1098. If paid 112,;;:•) to the person from whom you bought the home, see instructions and , w�> show that person's name, identifying rro., and address ► �i; Note. You mortpape 11 interest -- deduction may 12 Points not reported to you on Form 1098. See Instructions for be ferreted (see special rules 12 _ , i instructions). 13 Mortgage insurance premiums (see instructions) - 13 14 Investment interest. Attach Form 4952 if required. (See instructions.) 14 16 Add lines 10 through 14 16 10,610. Gifts to 16 Gifts by cash or check. 8 you made any glh of $250 or ° •:' : . Charity more see instructions 16 235 17 Other than by cash or check. If any glft of 8250 or more, If you made a gin and got a see instructiora. You must attach Form 8283 if over 5500 17 275 benefit nor it. 18 Carryover from prior year 18 see instruction.. 19 Add lines 16 through 18. 1 9 510. Casualty and Theft Losses 20 Casuatty or theft loss(es). Attach Form 4684. (See instructions.) . . 2 0 o. k "• 21 Unreimbursed employee expenses - fob travel, union dues, %^`iii Job Expenses :... a i; and Caffein job education, etc Attach Form 2106 or 2106 -EZ if required. L: Miscellaneous (See instructions.) • i:: L'i: Deductions _ _ 21 22 Tax preparation fees 22 23 Other expenses - investment, safe deposit box, etc. Llsl type and amount • ` " • :; 23 _ 24 Add lines 21 through 23 24 25 Enter amount from Form 1040, line 38 L 26 ( '` 26 Multiply line 25 by 2% (.02) - 26 27 Subtract line 26 from line 24. If tine 26 is more than tine 24, enter -0- . 27 0 Other 28 Other - from fiat in the instr. List type and amount • — Miscellaneous 28 0 , Deductions Total 29 Add the amounts in the far right column tor lines 4 through 28. Also, enter this amount an Itemized Fain 1040, line 40 29 12,776. Deductions 30 If you elect to itemize deductions even though they are less than your standard deduction, check hers ►❑ . . For Paperwork Reduction Aet Notice, site Form 1040 irnitruCtens. Schedule A (Form 1040) 2010 Usa SCHEDULE M Making Work Pay Credit OMW No. 1545.0074 (Form 1040A or 1040) dthe Tipwy Zoe a Ro, o sense Ma) ► Attach to From 1040A or 1040. ► See separate instructions. Attachment Name(a) shown on Morn Sequence No. 166 Your metal *murky number Erica D Poaq 294S) To take the makeug work pay credit. you must include your yodel securely number (l Ring a joint 'alum, the number of other you or your spouse) on your tax Tatum. A social security number does not hdude an Identification number issued by the IRS. Only the Social Security Atkn is&retbn issues social Security numbers. You cannot take the ma'am work pay creek if you can be clamed as someone eise s dependant or y you are a nonresident ttign ; 4 Important Check the "No" box on line 1a and see the instructions if (a) You have a net loss from a business, (b) You received a taxable sdiolarshiip or fellowship grant not reported on a Form W -2, (c) Your wages include pay for work performed while an inmate in a penal institution, a (d) You received a pension or annuity from a nonqualified deferred compensation pensatlon plan or a nongovernmental section 457 plan, or =" (0) You are filing Form 2555 or 2555 -EZ. ' '>�'s ggi : ru , . 2 + la Do you (and your spouse if filing jointly) have 2010 wages of more than $6,451(312,903 if married fling jointly)? ® Yes. Skip lines la through 3. Enter $400 ($800 if married filing jointly) on fine 4 and go to line 5. .;: ❑ No. Enter your eamed income (see instructions) le .:JV b Nontaxable combat pay included on line la (see instructions) . 1 1b 2 Multiply line la by 6.2% (,062) 2 3 Enter 5400 (5800 if married filing jointly) 3 4 Enter the smaller of fine 2 or line 3 (unless you checked "Yes" on line la) 4 400. 5 Enter the amount from Form 1040, line 38 ", or Form 1040A, line 22.... 5 46.407 6 Enter 575,000 ($150,000 if married filing jointly) 6 7 Is the amount on line 5 more than the amount on line 6? >° a IE No. Skip line 8. Enter the amount from line 4 on line 9 below. ?` ❑ Yes. Subtract line 6 from line 5 . , 7 8 Multiply line 7 by 2% (.02) . 8 9 Subtract line 8 from line 4. If zero or Jess, enter -0- 9 40P. Y (or your spouse, g jointly) recovery payment 10 Did you or ours use, if filin ointl receive an economic receve in 20107 Yo ?- may have received this payment in 2010 if you did not receive an economic recovery payment in x' 2009 but you received social security benefits, supplemental security income, railroad retirement '; ig benefits, or veterans disability compensation or pension benefits in November 2008, December 2008, or January 2009 (see instructions) I No. Enter -0- on line 10 and go to line 11. 0 Yes. Enter the total of the payments you (and your spouse, if filing jointly) received in 2010. Do not enter more than $250 (5500 if married filing jointly) , . 10 11 Making work pay credit. Subtract tine 10 from line 9. If zero or less, enter -0-. Enter the result here and on Form 1040, line 63; Form 1040A, line 40 11 400. qtr you are fling form 2555, 2555•EZ, or 4563 or you are occluding incoltle from Puerto Rico, See instruction. For Paperwork Reduction Act Notice, see your tax return Instructions. Schedule M (Form 1040A or 1040) 7010 UYA eP 11el09duserr area s irencypseree • THE SACKGR0lMD COLON (MANORS GRADUALLY AND EVEN& FROM DARKER TO LIGHTER WIN THE DARKER AREA AT TNIE •� w TIE KAt P tAW FIRM PA 0038 -4912 1 2875 PGA BOULEVARD SUITE 100 100 PayroI 1210512012' 8151 PALM BEACH GARDENS FL 33410 1 ' 1 t 4 r, T Net Direct Deposit(s) a PAY TO THE ERICA D POAG .' ORDER OF 1759 NE 6TH STREET **$1677.34*" n g BOYNTON BEACH FL 33435 AMOUNT A. ; 1 a VOID THIS IS NOT A CHECK DOLLARS * * NON- NEGOTIABLE AUTHORIZED SIGNATURE(SI TG v TH Y AC omprrV GF TIM !MCGUR ; THE BACK CONTAINS HEAT SENSITIVE INK THAT CHANGES FROM BILE TO CLEAR AND_ ALSO I _ CONTAINS AN ARTIFICIAL SWERMAB W C WHICH CAN OE EWED WHEN HELD AT /W ANOL* it FOLD AND REMOVE �^ ?« vT� FOLD AND REMOVE 'r PERSONAL AND CHECK INFORMATION i EARNINGS DESCRIPTION HRS/UNITS RATE THIS PERIOD ($) YTD HOURS YTD (5) Erica D Poag 1759 NE 6TH Street Regular 80.00 26.4500 2116.00 440.00 11638.00 Boynton Beach, FL 33435 EARNINGS 80.00 2116.00 440.00 11638.00 WITHHOLDINGS DESCRIPTION FILING STATUS THIS PERIOD ($) YTD (5) Soc Sec #: xxx -xx -2930 Employee ID: 130 Home Department: 100 Payroll Social Security 88.88 488.80 Medicare 30.68 168.75 Pay Period: 11/18/12 to 12/01/12 Fed Income Tax S 1 319.10 1703.14 Check Date: 12/05/12 Check #: 8151 S NET PAY ALLOCATIONS i TOTAL 438.66 2360.69 ESCR /PT /ON THIS PERIOD ($) YTD (5) i.heck Amount 0.00 0.00 Chkg 9347 1677.34 9277.31 NET PAY 1677.34 9277.31 { } i NET PAY THIS PERIOD ($) YTD ($) 1677.34 9277.31 Payrolls by Paychex. Inc.. 0038 0038 -4912 The Karp Law Firm PA • 2875 Pga Boulevard Suite 100 • Palm Beach Gardens FL 33410 • (561) 472 -7477 . T116WiP td►� � �A 0696NF912 � " __ . , .� "• w M 8 0041 �o • 100 Payroll X110 /2012 I a��a f I- --_— _ Saul: I VT ti PAY TO THE ERICA D POAG ..., •Z , 1759 NE 6TH STREET .a ORDER OF i h BOYNTON BEACH FL 33435 I wow a VOID THIS IS NOT A CHECK DOLLARS ** NON-NEGOTIABLE ** AUTHORIZED SIGNATURE(8) { 10 WIMPY AUTHARRIRRI Or On QQCOININt MCK COMM HIM aIIWrn4 MK RIP CHARMS 111011 RAIN TO COM Alp ALSO COWAN* N4 1411TricH LwATMYMIK mow cgs eE vow= Wei NU,9 AT M NMI * FOLD AND REMOVE FOLD AND REMOVE fir 1 PERSONAL AND CHECK INFORMATION r EARNINGS DESCRIPTION FIRS/UNIT RATE THIS PERIOD ($) YTD HOURS YTD ($) Erica D Poag l i 1759 NE 6TH Street Regular 80.00 26.4500 2116.00 280.00 7406.00 Boynton Beach, FL 33435 EARNINGS 80.00 2116.00 280.00 7406.00 WITHHOLDINGS DESCRIPTION FILING STATUS THIS PERIOD ($) YTD ($) Soc Sec #: xxx -xx -2930 Employee ID: 130 Home Department: 100 Payroll Social Security 88.87 311.05 Medicare 30.68 107.39 Pay Period: 10/21/12 to 11/03/12 Fed Income Tax S 319.10 1064.94 Check Date: 11/07/12 Check*: 8118 NET PAY ALLOCATIONS TOTAL 438.65 1483.38 DESCRIPTION THIS PERIOD ($) YTD (3) Check Amount 0.00 0.00 Chkg 9347 1677,35 5922.6Z NET PAY 1677.35 5922.62 1 !IET PAY ( THIS PERIOD (3) YTD c ,, I 1677.35 5922.62 Payrolls by Paychex, inc. 0038 0038 -4912 The Karp Law Firm PA • 2875 Pga Boulevard Suite 100 • Palm Beach Gardens FL 33410 • (561) 472 -7477 NIA MAX L• 1104 YGCLNNLNT CONTAINS IWCROPRITING • THE BACKGROUND COLOR CHANGES GRADUALLY AND EVENLY FROM DARKER TO LIGHTER WAR! THE DANEBt ARrdA AT T TM r ' _ T T H E / C A R P LAW FIRM•PA 0038 -4912 `-F ? � . Y_ i 2875 PGA BOULEVARD SUITE 100 100 Payroll 11/21/2012 8134 I PALM BEACH GARDENS FL 3311 -.- _ - - -- - DATE 17 _ 1 _.__ - __ k .. i :. - a 1 PAY TO THE ERICA D POAG Total Net Direct Deposit(s)`. , sL .0 ORDER OF 1759 NE 6TH STREET �1 BSc T BOYNTON BEACH FL 33435 AMthMT k . gs 4 VOID THIS IS NOT A CHECK DOLLARS **NON-NEGOTIABLE** - AUTHORIZED SIGNATURE(S) TO wawa AU H1HTICRY of THIS cowman THE SACK CONTAINS HEAT SENSITIVE INK THAT CHANGES MOM mot TO CLEAR AND A /10 CONTAINS AN ANTIFICIAL WATdWARK WHICH CAN IIE VIEWED *NM FIELD AT AN ANGLE _i III FOLD AND REMOVE FOLD AND REMOVE it PERSONAL AND CHECK INFORMATION EARNINGS DESCRIPTION HRS/UNITS RATE THIS PERIOD ($) YTD HOURS YTD ($) • Erica D Poag 1759 NE 6TH Street Regular 80.00 26.4500 2116.00 60.00 9522.00 Boynton Beach, FL 33435 EARNINGS 80.00 2116.00 360.00 9522.00 WITHHOLDINGS DESCRIPTION FILING STATUS THIS PERIOD ($) YTD ($) Soc Sec #: xxx -xx -2930 Employee ID: 130 Home Department: 100 Payroll Social Security 88.87 399.92 Medicare 30.68 138.07 Pay Period: 11/04/12 to 11/17/12 Fed Income Tax S 1 319.10 1384.04 Check Date: 11/21/12 Check #: 8134 NET PAY ALLOCATIONS TOTAL 438.65 1922.03 IESCRIPTION THIS PERIOD ($) YTD ($) Check Amount 0.00 0.00 Chkg 9347 1677.35 7599.97 NET PAY 1677.35 7599.97 NET PAY THIS PERIOD ($) YTD ($) 1677.35 7599.97 Payrolls by Paychex, Inc. 0038 0038 -4912 The Karp Law Firm PA • 2875 Pga Boulevard Suite 100 • Palm Beach Gardens FL 33410 • (561) 472 -7477 Oapar5nent of the Treasury - Internal Revenue Servn:e tag) 1 2 1 Form 040 U.S. Individual Income Tax Return O Ma llo.1545-0074 IRS Um Only• conot some ar NIP* M 31;, ,P•m For the yen Jan. t.oec. 31, 2011, (Kathy axyesr 0•12mirp . 2011. ending .20 Your first name and initial Last none _ Erica D Your social sawn* Malabar Vows 2930 If a joint return, spouse's first name and initial Last norm Spouse's social security number L Hams address (number and street). If you have a P.O. box, sea instructions. Apt no. Maks se the SSN(s) above 1759 NE 6th Street 1 - u and on tine 6b are correct City. town or post °Rice, sate, and ZIP code. V you haw a foreign address. also complete imams balm (sse itskuotlons). Presidential EMedon Campaign Bovaton Beach, 8'L 33435 Crock here s you *ryas spouse ifRing Foreign country name r Foreign province/county Foreign Postai cods a bo ,, c "q i rdurd ❑ You ❑ sports. Filing Status 1 ® single 4 ❑ Head of household (with qualifying person). (Sae instructions.) II 2 ❑ Married fling jointly (even if only one had income) the quaGYying person is a chsd but not your dependent. weer this Check only one 3 7 Married MMng separately. Enter spouse's SSN above chiles name here. ► box. and tug name here. ■ 6 ❑ Qualifying widower) with dependent child Exemptions as You If someone can claim you as a dependent. do not check box 6a . . . . . Bosse checked b ❑ spouse on 6 and lb 1 c Dependents: {t� (4) x u o w ,. No. at 'Madsen ,wdaf � (3) Dependents weer age n on k who: Dependent's n umber relationship to you quallpngfar • hied with you 0 1 First tame Last name chid ma. •did not live with If more than four you due to divot c 0 dependeltts, see 10 ores a bn instructions and in ( dons) check here Or ❑ 111111.1111111 _ • ' a nn rc 0 - Add nwml»re on d Total number of exemptions claimed toes above * Income 7 Wages, salaries, tips, etc. Attach Forms) W-2 _ 7 53,187. 8a Taxable interest. Attach Schedule B If required a Attach Form(a) b Tax - exempt interest. Do not include on line Ba ab J ` W -2 here. Also 9a Ordinary dividends, Attach Schedule 8 If required 9a attach Forms b Qualified dividends L 9b 1 W2G and 10 Taxable refunds, credits, or offsets of state and local income taxes 10 1099 -R if tax was withheld. 11 Akmony received 11 0 you did not 12 Business income or (loss). Attach Schedule C or C -EZ 12 get a W - 2, 13 Capital gain or (loss). Attach SWedub 0 if required. If not required, cheek here. . . . • ❑ 13 see instructions. 14 Other gains or (losses). Attach Egan 4797. 14 16a IRA distributions . 1 15a ' b Taxable amount Liar 18a Pensions and annuities . 16a f b Taxable amount . . . . . . lib Enclose, but do 17 Rental real estate, royalties, partnerships, S corporations, trusts, etc. Attach Schedule E . . 17 not attach, any 18 Farm income or (loss). Attach Schedule F 15 payment. Also, 19 Unemployment compensation . 19 Please use Form 1040 -Y, 20a Social security benefits I 2 Ca I 1 b Taxable amount 20e 21 Other income. List type and amount 21 22 Combine the amounts in the far right column for lines 7 through 21. The la your tenth Nagelr 9 22 53, 1.87 23 Educator expenses . 23 'i M. • Adjusted 24 Certain business expenses of reservists, performing artists, and r , Gross fee-basis government officials. Attach Form 2106 or 2106-EZ 24 Pgi Income 25 Health savings account deduction. Attach Form 8889 . . 28 iw .� , 26 Moving NV rg xpenses. Attach Form 3903 26 . ;;:a.;: 27 Deductible pant of self-employment tax. Attach Schedule SE . . 27 28 Self-employed SEP, SIMPLE, and qualified plans . . . . . 28 . lr: ' <+ i Self-employed health insurance deduction 29 •�- 29 Self-em 30 Penalty on early withdrawal of Savings . 34 f°, '131 31a AIInWny paid b Recipient's SSN • 31a ll q,., 32 IRA deduction ....... .. 32 1, 000. %.;� . . 33 Student loan Interest deduction 33 $,: . 34 Tuition and fees. Attach Form 8917 34 „";.'410:- ,< 35 Domestic production activities deduction. Attach Form 6903. 36 £ ?:��;;:,. 36 Add tines 23 through 35 . . . . . . .. . . . . . .. . . . . . . . . . . . . 56 1,000. 37 Subtract line 36 from line 22, This is your adlusted gross income • 37 52,167, For Disclosure, Privacy Act, and Paperwork Reduction Act Notice, see separate instruction Form 1040 (2011) UYA Form 1040(20T1) Erica D Poser ._ ` . . 2930 Pape 2 Tax and S8 Amount from line 37 (adjusted gross Income) 34 52,187 . Credits 39a Check 1 ❑ You were barn before January 2, 1947, ❑ Blind. 1 T b 't .� if: 1 Spouse was both before Jemmy 2, 1947, ❑ Bind. checked 11. 39a, 0 _ :' n andard ,— b I I your spouse itemizes on a separate return or you were 8 dual - status alien, check here • 39b ❑ o va a�= St Da useard r X 40 Itemised deductions (from Schedule A) or your standard deduction (see left margin) ' 40 13,701 . for. 41 Subtract line 40 from Inc 38 . 41 38,486._ • People who 42 Exemptions. Multiply 53.700 by the number on the 6d 42 3,700. check any boson line 43 Taxable Income. Subtract tine 42 from fine 41. If line 42 Is more then Ine 41, enter - 43 34,786. 39a or 39b or who can be 44 Tex (see instructions). Check if any from: a Form(s) 8814 b❑ Form 4972 c 982 election 44 4,819. claimed es a 46 Alternative minimum tax (see instructions). Attach Form 8251 . 46 see dependent, 46 Add Ines 44 and 45 P. 48 4,819. instructions. '"�� ;t..` • NI others: 47 Foreign tax credit. Attach Fan) 1118 if required 47 �4 Sin 48 Credit for child end dependent are expenses. Attach Form 2441, 48 3 3 Married fling uparwN. 49 Education credits from Form 8863, line 23 49 f� $5,806 ! ?:,:' Ma rninp 60 Retirement savings Contribution credit. Attach Form 8880 50 auenrr 51 Child tax credit (see instructions) 51 • wldma(a►). 52 Residential energy credits. Attach Form 5695 82 a: i11,81>D 0 Hera d 63 Other credits from Form' a ❑ 3800 b ❑ 8801 c ❑ 63 ,. c:° — househdd, 54 Add lines 47 through 53. These are your total credits _ 64 0 . sa.soo 66 Subtract Ire 54 from One 48. If line 54 is more than line 46, enter -0- te 66 4,819.. Other 6e Self-employment lax. Mach Schedule SE • se Taxes 67 Unreported social security and Medicare tax from Form: a ❑ 4137 b ❑ 8919 67 S8 Additional tax on IRAs. other qualified retirement plans. etc. Attach Form 5329 if required 68 69a Household employment taxes from Schedule H 69 a b First -time homebuyer credit repayment. Attach Form 540511 required 59b 50 Other taxes, Enter code(s) frorn instructions 60 51 Add lines 55 through 60. This is your total tax • 61 4,819. Payments 82 Federal income tax withheld from Forms W -2 and 1099 62 7 , 4 8 9. 4+i, 7 1 63 2011 estimated tax payments and amount applied from 2010 return 83 ;L ; (1` �; • r you time a Me Earned Income credit (E1C) NO . 843 a' gwNMrro b Nontaxable combat pay election. . L64b ; i'? child. Misc 0. ;, ", 5kdhedtile EC 65 Additional child tax credit. Attach Form 8812 86 Via; 56 American unit credit from Form 8063, Ine 14 66 '`h"% i \ ;" 67 First -time homebuyer credit from Forth 6405, Ine f 0 . 67 c:. '. ;r; 68 Amount paid with request for eldension to file 88 ,c 69 Excess social security and tier 1 RRTA fax withheld 69 :'.; " 70 Credit for federal tax en fuels. Attach Form 4138 70 71 Credits from Form: a ❑ 2439 b❑ 8839 e 8801 d❑ 8885 71 _ `'y 72 Add lines 82, 83, 642, and 85 through 71. These are your total payments • 72 7,489. Refund 73 11 Ine 72 is more than line 61, subtract line 61 from tine 72. This Is the amount you overpaid . . . _ 73 2,670. 748 Amount of tine 73 you want refunded to you. If Form 8888 Is attached. check here . . . ► ❑ ee 74a 2 67 0 . Direct deposit? ► b Routing number hF17f177fiC i i. e Type:® Checking ❑ Savings ; s ► d A number h A 7 O f fl 1 Q 14 7 1 ' ``' ins ictiona 75 Ant of Ine 73 u want applied to your 2012 estimated tax • 1 75 l ^ °i : ::It mkw y Amount 18 Amount you owe. Subtract line 72 frorn line 81. For details on how to pay, see instructions 1 76 9, . You Owe 77 Estimated fax penalty (see instructions) 1 77 I llz =;*i' �,�'� , >a I, . t* .liiit Third Party Do you want to allow another person to discuss this return with the IRS (see instructions)? U Yes. Complete below. Ciao Designee Designees Phone Personal identification name ► no. ► number (PIN) ► lhWSr penahles d perjury, I declare Vat I have .,emmed I5a return and accompanying schedules and statements. and 10 the bast of ,n eta a Sign they e1e true, correct an d compete Declaration or propene (other ten taxpayer) is based on all information of which preparer has any knowledge Here Joint return? e � / � (az signature I Firm Your occupation Daytime phone number seeinstr ` 1 T1 , ,.t, It:i 1' irm Administrator (512)293 -9840 Keep a copy Spouse's signature. I1 a joint retur h must sign. Dale Spouse's occupation r the IRS sent you an identity Prosectlon for your lJ here (a. it r - records. hen (see Inst.) j � Paid Print/Type preparers name Preparers signature Dale Cheek 0 if PTIN salt- emplcyed Preparer , { Fir Firm's ► Use Only Firm name Phone no. Firm's address' UYA Form 1040 (2011) SCHEDULE A Itemized Deductions (Form 1040) omit No 1645-007s .^ 2011 Ow /re/ Nibs Treasury ► Attach to Form 1040. • See InstnrcUons tot Schedules A (Form 1040). Asa01R1ere meat Revenue Santee tee) s.,u.as No. 07 Names) shown on Form 1040 I Your social smutty number Erica A Poaq —2930 ,, Medical 1 Medical end denlal p•�a Caution. Do not include asperses reimbursed or piled by others. :;.�:�• r; ., and expenses (acs instructions) 1 4 • r: Dental 2 Enter amount from Form 1040. ice 98 ( 2 j ts;�: ` . s .h Expenses 3 Multiply ine 2 by 7.5% (.075) 8 � . 4 Subtract 'rte 3 from tine 1. If line 3 is more than ice 1, Inter -0- . 4 .. • 0 . Taxes You 6 State and local (check only one box): e Paid a ❑ Income taxes, or ), 5 637. ;,,`* b ® General sales tares ilr 6 Real estate taxes (see instructions) 8 882. ; 7 Personal property taxee 7 8 Other taxes. List type and amouli ► — 8t ? +ry 9 Add brines 5 through 8 9 1,519. Interest 10 Horne mortgage interest and prints reported to you on Form 1098 10 [ 11,497.4Y You Paid 11 He mortgage interest not reported to you on Form 1098. If paid i "` t" to the person from whom you bought the hone, see instructions and) <. r4 r show that person's name, identifying no and address • `• ; ',. :1i Note. .. _..�.__.. N Your mortgage — e y interest 11 ; ? x deduction may 12 Points not reported t0 you on Form 1098. See instructions for a be limited (see special rules . "4 wi ? . nstruct ono) 12 M,1.4i 13 Mortgage insurance premiums (see instructions) . 13 a . f - 14 Investment interest. Attach Form 4952 if required. (See instructions.) 14 ; � ., 15 Add 'nes t° through 14 . . . . . . . . . _ . . . . 1S 11,, 497 Gifts to 16 Gifts by cash or check. If you made any gift of $250 cr >,::; ' w, Charity more, see instructions 11 , 485.4x0 17 Other than by cash or check. If any gift of $250 a more, '1;W4,. If you made a ;r" see instructions. You must attach Form 8283 if over $500 17 200. ' ' ` g bsrhsM/o a ra• 18 Carr I see Carryover from prior year 18 a; . e instrucaans. 19 Add lines 16 through 18. ' 19 be 685. Casualty and Theft Losses 20 Casualty or theft loss(es). Attach Form 4884. (Sea instructions.) . . 20 o. 21 Unreimbursed employee expenses - job travel, union dues, s ? , Job and Certain ExpenSes job education, etc. Attach Form 2106 or 2106 -EZ if required " *.' r r.: Miscellaneous (See instructions.) • i ��st =3id� .,. (` - -q ? 't Deductions 21 0 22 Tax preparation fees 2= fit 23 Other expenses - investment, safe deposit box, etc. List , .V. t ''e type and amount ► `''' .:: tiv 24 Add lines 21 through 23 24 ; " 26 Eerier amount from Form 1040, line 38 j 26 ' >?:; 26 Multiply line 25 by 2% (.02) SI: i. ;_;wt; 27 Subtract line 26 from ine 24. If One 26 is more Than lime 24, enter -0- 27 0 . 28 Other - from Itst in the instr. List and amount ► : Other typ: Miscellaneous Deductions 28 o. Total 29 Add the amounts in the far right Oolumn for Ones 4 through 28. Also, enter this amount on itemized Form 1040. line 40 . . 28 13,701. ;•�, r 3 0 If elect to Itemize deductions event are less than your standard deduction. 'iz>a );� •k'�'�` �d �: Deductions you hough they y - :�s... 1: ?� ;. fit'" check here *El s. gp .)... For Paperwork Reduction Ad Notice. see Form 1040 instructions. Schedule A (Form 1040) 2011 uYA • • • Wells Fargo Essential Checking Account number: 347 a September 22, 2012 - October 19, 2012 • Page 1 of 3 Questions? ERICA D POAG Available by phone 24 hares a day, 7 days a week: 1759 NE 6TH ST 1-80040-WELLS (1400-869-3557) BOYNTON BEACH FL 33435 -3509 TTY 1 877.4833 En espaflol: 1 -877- 727 -2932 1-800. 288 -2288 (6 am to 7 pm PT, M-F) Online: wellsfargo.con Write: Wells Fargo Bank, N.A. (367) P.O. Box 8995 Portland, OR 97228 -6995 You and Wells Fargo Account options Keep things simple. Online Statements duplicate your traditional paper bank A check mark in the box indicates you have these statement and you can access your financial Information 24 hours a day from convenient services with your account. Go b anywhere you have access to the Internet. Reduce clutter and save the wegafargo corn call the number above it you have environment at the same time. Sign up for and view your Online Statements at questions or if you *curd like to add new services. wellsfargo.can. Online Banking Q Direct Depcatt Online Bill Pay ❑ Auto Transfer/Payment Q Online Statements 0 Overdraft Protection 51 Mobile Banking Q Debit Card My Spending Report Overdraft Service L7 Activity summary Account number 1347 Beginning balance on 9/22 $3,125.50 ERICA D POAG Deposits/Additions 2,819.62 South Carolina account tame and conditions apply Withdrawais/Subtrac Lions - 2,403.91 For Direct Deposit and Automatic Payments use Ending balance on 10/19 $3,541.21 Routing Number (RTN): 053207766 Overdraft Protection Your account is linked to the following for Overdraft Protection: ■ Savings - ■366 Transaction history Check Deposits/ Wkhdrawats/ Ending daily Date Number Description Additions Subtractions balance 9124 _ Recurri Transfer Ref ODpawr7992 to Savings xxx100000Q366 150.00 2,975.b0 9/28 --_ The Karp Law Fir Payro11400002911x Poag, Erica D 890.58 _ -- --_ -- 3,888.08 9/27 Amex Epayment ACH Pmt 120927 W7606 Erica Poeg 28.10 _... 3,837.98 (367) Shaul Say - 0007261 Shaul 00001 of 00002 Account number. 1347 • September 22, 2012 - October 19, 2012 • Page 2 of 3 Transaction history (continued) Check Deposits/ Withdrawals/ Ending defy Date Number Description AddRlons Subeadions beirres 10/1 Check Crd Purchase 09/29 United Parking Sys West Pakn Bea Ft. 5.50 3,832.48 482854xxxxxx1067 162273737477040 7McC =7523 10/5 5811 1' 0631159871Net4Day1210052930 Bice D .Poeg _ _....._.. 251.69 — ^- --- - -. 4 1019 ATM Withdrawal - 10/06 Mach ID 0725H 200 North Congress Av 120.00 Boynton Beach FL 1067 0000761 _ 1019 Check Crd Purchase 10/06 Pro Naga Spa 1 M Boynton Beady FL ��_ _. - -- 28.00 — 482854xxxxxx1067 082280610241699 7McC ■7230 10/9 Check Crd Purchase 10/06 United Perking Sys West Palm Bea 9. 5.50 482854xx00ok1067 002280660432345 7McC.7523 1019 DIRECT/ Payment xxxxx1674 Poag _._ .— 99,97 3,830.70 10/10 The Karp Law Fir Payroll 47017800000553x Pool 10/10 1418 Check 100.00 10/10 1417 Check 94.39 5,313.72 10/11 Fpl Direct Debit Elec Pymt 10/12 5427247563 Webl Erica 0 Pog_ __ 85.19 _. 5,228.53 10/15 Check Cr d Purchase 10/13 United Parking Sys West Palm Bee FL 5.50 482854xxxxxx1067 282287714936899 7McC =7523 _-_ 10/15 ATM Withdrawal - 10/14 Mach ID 0590W 1600 Federal Highway 20.00 Boynton Beach FL 1067 0009524 10/15 1420 Check 60.00 5.143.03 10/16 Amex Epayment ACH Pmt 121016 W 1308 Erica Paag -_. , . _ . , . 1,014.20 _ _ _. 4,128.83 10/17 _ Ibm SE Efcu Loan Pmts xxxxx6233 Erica D Poste - _ - -. ... . 405.00 _ 3,721.83 10/19 ATM Withdrawal - 10/19 Mach ID 6448P 2989 Pge Boulevard 80.00 Palm Bch Gard FL 1067 0003576 10/19 Allstate Ins CO Ins Prom Oct 12 000000961645806 Posg _ -. 102.62 _ 3,541 Ending balance on 10/19 Totals 52,819.62 52,403.91 The Ending Daly Balance does not reflect any pending withdrawals or holds on deposited funds that may have been outstanding on your account when your transacbons posted. If you had insufficient available funds when a transaction posted, fees may have been assessed. Summery of checks written (checks listed are also displayed in the preceding Transaction history) Number Deis Amount Number Date Amount Number Date Amount 1417 10/10 94.33 1418 10/10 100.00 1420 • 10/15 60.00 • Gap in check sequence. Effective November 1, 2012, your daily ATM withdrawal limit for your debit card or ATM card(s) will be 5310 and your daily purchase/point-of-sale (POS) limit will be $2,500. Account number: 347 is September 22, 2012 - October 19, 2012 • Page 3 of 3 Worksheet to balance your account General statement policies for Wells Fargo Bank Follow the steps below to reconcile your statement balance with your ■ To dispute or report Inaccuracies in Information we have furnished to a account register balance. Be sure that your register shows any Interest Consumer Repotting Agency about your accounts. You have the right • paid Into your account and any service charges, automatic payments or dispute the accuracy of information that Wells Fargo Bank, NA has ATM transactions withdrawn from your account during this statement furnished to a consumer reporting agency by writing to us at Wens Fargo period. Servicing. P.O. Box 14415, Des Moines. IA 50306-3415. Please describe the 13 Enter the ending balance on this statement. f 1 speellIC information that is Inaccurate or In dispute and the basis for the dispute along with supporting documentation, if you believe the 13 Ust outstanding deposits and other information furnished is the result of identity theft, please Provide us with credits to your account that do not appear on an Identity theft report. this statement. Enter the total In the column • In case of errors or questions about your electronic transfers, to the right. telephone us et the number printed on the front of this statement or write Desedlidori Amtwnt us at Wells Fargo Bank, P.O. Box 6995, Portland, OR 97228-6995 as soon as you can, If you think your statement OF receipt • wrong or it you need more infomtatbn about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement or which the error or problem appeared. 1. Tell us your name and account number (Y any). 2. Describe the error or the transfer you are unsure about, and explain as Total s I ► + $ I clearly as you can why you believe it Is an error or why you need more information. 0 Add In and 13 to calculate the subtotal. ■ $ 1 3, Tell us the dollar amount of the suspected error. We will investigate your complaint and will correct any error promptly. if 0 Ust outstanding checks, withdrawals, and we take more than 10 business days to do this, we will -edit your account other debits to your account that do not appear for the amount you think is in error, so that you will have the use of the on this statement. Enter the total In the column money during the time it takes us to complete Our investigation. to the right. • in case of errors or questions about your Direct Deposit Advance service NtanberlDescrlptlon Amount If you think your bill is wrong. or if you need more Information about a transaction on your bIN, write us at Welk Fargo Bank, P. 0. Box 6995, Portland, OR 97228 -8995 as soon as possible. We must hear from you no later than 60 days after we sent you the first bell on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following infomtation: • 1. Your name and account number 2. The dollar amount of the suspected error I 3. Describe the error and explain, if you can, why you believe there is an error. ri you need more information, descnbe the nem you are unsure about You do not have to pay any amount in question while we ars investigating, but you are still obligated to pay the parts of your bill that are not • question. WhNe we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. ` I I I Total $ I ► - $ © Subtract CI frown 171 to calculate the adjusted ending balance. This amount should be the same as the current balance shown in your . S register atom Wale Peen Bank, NA All rw I rights reaed NM/SR ID 399801 Mentbw FDIC. Sheet Sp ' 0007252 Shirt 00002 or 00002 Wells Fargo Essential Checking Account number. )347 • October 20, 2012 - November 21, 2012 • Page 1 of 3 Questions? ERICA D POAG Available by phone 24 hours a day, 7 days a week: 1759 NE 6TH ST 1-800-TO-WELLS (1 -800- 869 -3557) BOYNTON BEACH FL 33435 -3509 TTY: 1400. 8774833 En espallol: 1-877- 727 -2932 1- 800 - 288 -2288 (6 am to 7 pm PT, M-F) Online: welisfargo.com Write: Wells Fargo Bank, N.A (367) P.O. Box 6995 Portend, OR 97228 -6995 You and Wells Fargo Account options Thank you for being a Wells Fargo customer. We appreciate your business and A check mark in the box lndlcales you have these understand that you are entrusting us with your banking needs. Let us assist you convenient services with your account. Go to wellsfergo.com or cell the number above if you have In finding the right accounts and services to help you reach your financial goals. questions or if you would like to add new services. Please visit us online at wellsfargo.com, cart us at the number at the top of your statement. or visit any Wells Fargo store - we'd love to hear from yowl Online Banking Direct Deposit Online Bill Pay Auto Transfer/Payment Q Online Statements Q Overdraft Protection +J Mobile Banking Q Debit Card My Spending Report Q Overdraft Service Activity summary Account number: ' 1 347 Beginning balance on 10/20 $3,541.21 ERICA D POAG Deposits/Addltions 5,147.29 South Carolina account teens and conditions apply Withdrawals/Subtractlons - 5,578.45 For Direct Deposit and Automatic Payments use Ending balance on 11/21 $3,11o.05 Routing Number (RTN): 053207766 Overdraft Protection Your account Is linked to the following for Overdraft Protection: ■ Savings • '366 Transaction history Check Deposits/ 'Withdrawals/ Ending daily Date Number Description Addition Subtract ions balance 10/23 Recurring Transfer Ref #Opemttnggv to Savings toob000txx2366 150.00 3,39121 10/24 The Karp Lew Fir Payroll 47218600003428x Pon, Erica D 1,677.34 _ • .__... (367) Sheet Siq = 0007840 Sheet 00001 at 00002 Account numbe 347 • October 20, 2012 - November 21, 2012 a Page 2 of 3 Transaction history (conNnued) Check Deposits/ Withdrawals/ Ending deity Date Number Description Additions Subtractions balance 10/24 Transfer Ref NOpe5Clgch5 to Savings xxxxxxxxx2386 850.00 10/24 Schwab Brokerage Moneylink 121024 558622471388726 Erica 500.00 3,718.55 Daniele Poag 10125 Amex Epeyment ACH Pmt 121025 W6578 Erica Pomp 11/6 1424 Check � _._ -_ 3. _ _ _ 1 1/7 The Karp Fir Payroll 47414100003096x Poe* Erica D _ - - " 1.67745 _ .._. 11/7 DIRECN Payment xxxxx1674 Poag 99.97 5,237. 11/8 ATM Withdrawal -11108 Mach ID 0380P 216 Clarnatls Street W. 20.00 Palm Beach FL 1067 0006620 11/8 1423 Check _ -, 100-00 11/8 1422 Check _ __ __- ... - � - . —.._._ .._...___ .....__ ._.. _ _ .. 94.33 5023.36 11/9 1421 Check 20,00 5,009.38 11/13 POS Purchase -11/10 Mach ID 000000 Publbk Super MA Boynton 16.78 _ ... Beschfl 1067 00382315606162238 71AcC•5411 11/13 Check Crd Purchase 11/10 Pro Nags Spa 1 IN Boynton Beach FL 28.00 482854xxxxxx1067 162315653947356 7McC•7230 11/13 ATM Withdrawal - 11/10 Mach ID 0590W 1800 Federal Highway 40.00 Boynton Beech FL 1067 0009022 NOpe 11/13 � — Transfer Ref o 2GPkx to 2K Savings xxxxxxxxx2368 _,.._.,._.... 550.00 11/13 Fpl Direct Debit Elac Pymt 11/12 5427247563 Web' Erica D Poag „_ 85.63 . _. _ . 4282.77 11116 ATM Withdrawal - 11/16 Mach ID O590W 1800 Federal Highway 100.00 Boynton Beach FL 1067 0001575 11/18 ATM Withdrawal - 11/18 Mach ID 0590W 1600 Federal Highway 20.00 Boynton Beach FL 1067 0001576 11/16 Amex Epayment ACH Pmt 121116 W9804 Erica Poag ._._.._ ..__ _ —.._ __ ___.-__._ 1 2,480.57 11/19 Check Crd Purchase 11/17 United Perking Sys West Palm Bea FL 5.50 482854xxxxxx1067 162322613574083 7McC =7623 11/19 Ibm SE Efcu Loan Pmts xxxxx6233 Erica D Post 11/19 1426 Check 100.00 1.970.07 11/20 ANState Ins CO Ins Prem Nov 12 000000981645806 Poag 102.62 1,887.45 11/21 The +(I Law Fir Payro1147603200006224x Poeg, Erie O .__ _.. ......__ -..._ . 1,677.56 11/21 ATM Check Deposit -11/21 Mach ID 6448P 2989 Pga Boulevard 115.25 Palm Bch Gard FL 1067 0001096 11/21 Schwab Brokerage Moneylink 121121 558622471388728 Erica 550.00 3.1110.05 Danlele Poag Ending balance on 11/21 3,110.05 Totals 35,147.29 *5,578.45 The Ending Daily Balance does not reflect any pending withdrawals or holds on deposited funds that may have been outstanding on your account when yam transactions pasted If you had /nsuflldent available funds when a transaction posted, fees may have been assessed Summary of checks written (Cheeks listed are also displayed in the preceding Transaction history) Number Date Amount Number Date Amount Number Date Amount 1421 11/9 20.00 1423 11/8 100.00 1428' 11/19 100.00 1422 11/6 94.33 1424 1/6 50.00 • Gap in check sequence Account number 347 • October 20, 2012 - November 21, 2012 • Page 3 of 3 Worksheet to balance your account General statement pofcles for Wells Fargo Bank Follow the steps below to reconcile your statement balance with your is To dispute or report Inaccuracies in Information we have furnished to a account register balance. Be sure that your register shows any Interest Consumer Reporting Agency about your accounts. You have the right to paid into your account and any service charges, automatic payments or dispute the accuracy of information that Wells Fargo Bank, NA has ATM transactions withdrawn from your account during this statement furnished to a consumer reporting agency by writing to us at Wells Fargo period Servicing, P.O. Box 14415. Des Moines. IA 50306-3415. Please describe the ti Enter the ending balance on this statement. $ specific information that is inaccurate or In dispute and the basis for the dispute along with supporting documentation. If you believe the El List outstanding deposits and other information furnished is the result of Identity theft, please provide us with credits to your account that do not appear on an identity theft report. this statement. Enter the total In the column • In case of errors or questions about your electronic transfers, to the right. telephone us at the number printed on the front of this statement or write us at Wells Fargo Bank, P.O. Box 6995, Portland, OR 97228-6995 as soon as Deecriptbn Amount you can. if you think your statement or receipt is wrong or If you need more Information about a transfer on the statement or receipt We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. 1. Tell us your name and account number (if any). 2. Describe the error or the transfer you are unsure about, and explain as Total $ ► r $ 1 dearly as you can why you believe it Is an error or why you need more information. 3. Tell us the dollar amount of the suspected error. Add and Q w calculate the subtotal. ■ $ I We will Investigate your complaint and will correct any error promptly. if List outstanding checks, withdrawals, and we take more than 10 business days to do this, we will credit your account other debits to your account that do not appear for the amount you think Is in error, so that you will have the use of the on this statement. Enter the total in the column money during the time it takes us to complete our investigation. to the right. • in use of errors or questions about your Direct Deposit Advance service NumberiDescrIptlon Amount If you think your bill Is wrong, or If you need more information about e transaction on your bill, wrtte us at Wells Fargo Bank, P. 0, Box 6995, Portland, OR 97228 -6995 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the en or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: 1, Your name and account number 2. The dollar amount of the suspected error 3. Describe the error and explain, 11 you can, why you believe there is an i I error. 11 you need more Information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we Investigate your question, we cannot report you as delinquent or take any action to collect the amount you question Total $ I . • $ U Subtract CI from 13 to calculate the adjusted ending balance. This amount should be the same as the current balance shown in your is register ■ t: 02010 Wens Fargo Bank. NA All Aghts reserved NMISR 0 399901 Member FDIC. Sheet Seq = 0007841 Sheet 00002 of 00002 Wells Fargo Goal Savings Account number. '366 • October 1, 2012 - October 31, 2012 • Page 1 of 3 Questions? ERICA D POAG Available by phone 24 hours a day, 7 days a week: 1759 NE 6TH ST 1-800-TO-WELLS (1 -800- 889 -3557) BOYNTON BEACH FL 33435 -3509 77Y.: 1 - 800 - 877.4833 En esparlol: 1.677- 727 -2932 M3 1-800 -288 -2288 (6 am to 7 pm PT, A Online: wellsfargo.com Write: Wells Fargo Bank. N.A. (367) P.O. Box 8995 Portland, OR 97228 -6995 You and Wells Fargo Keep things simple. Online Statements duplicate your traditional paper bank statement and you can access your financial information 24 hours a day from anywhere you have access to the Internet. Reduce clutter and save the environment at the same time. Sign up for ar? ) view your Online Statements at wellsfargo.com Activity summary Account number 366 Beginning balance on 10/1 $8,829.83 ERICA D POAG Deposits/Additions 4,500.10 South Carolina account terms and conditions apply Withdrawals/Subtractions - 0.00 For Direct Deposit and Automatic Payments use Ending balance on 10/31 $13,329.93 Routing Number (KM): 053207766 Interest summary Interest paid this statement $0.10 Average collected balance $11,576.60 Annual percentage yield earned 0.01 % Interest earned thls statement period 60.10 Interest paid this year 60.72 Transaction history Deposits/ Withdrawals/ Ending daily Dare Description Additions Subtractions balance 10/9 ATM Check Deposit - 10/06 Mach ID 0725H 200 North Congress Av Boynton 3.500.00 12.329.83 Beach FL 1067 0000760 10/23 Recurring Transfer Ref #Opemttnggv From Checking pcxwoarot9347 - 150.00 12 479.83 13 98441840 0026224 Sheet 00001 of 00002 Account number. 366 ■ October 1, 2012 - October 31, 2012 • Page 2 of 3 Transaction history (continued) Deposits/ Withdrawals/ Ending deify Date Description Additions Subtractions balance 10/24 Transfer Ref t1Ope5Clgch5 From Checking xxxrootxxx9347 _- .._... __.. 850.00 13,329.83 10/31 Interest Payment 0. 13,329.93 Ending balance on 10/31 13,329.93 Totals $4,500.10 $0.00 The Ending Deily Balance does not reflect any pending withdrawals or holds on deposited funds that may have been outstanding on your account when your transactions posted. ff you had insufficient available funds when a transaction posted, fees may have been assessed. Account number: 1.366 ■ October 1, 2012 - October 31, 2012 ■ Page 3 of 3 Worksheet to balance your account General statement policies for Wells Fargo Bank Foaow the steps below to reconcile your statement balance with your • To dispute or report Inaccuracies in information we have furnished to e account register balance. Be sure that your register shows any interest Consumer Reporting Agency about your **counts. You have the right to paid Into your account and any service charges. automatic payments or dispute the accuracy of information that Wells Fargo Bank, NA. has ATM transactions withdrawn from your account during this statement furnished to a consumer reporting agency by writing to us at Watts Fargo period. Servidng, P.O. Box 14415, Des Moines, IA 50306-3415. Please describe the f3 Enter the ending balance on thls statement . $ 1 specific Information that is inaccurate or in dispute and the basis for the dispute along with supporting documentation. If you believe the a List outstanding deposits and other information furnished is the result of identity theft, please provide us with credits to your account that do not appear on an Identity theft report this statement. Enter the total in the column to the right. ■ in case of errors or questions about your eiectronic transfers, telephone us at the number printed on the front of this statement or write Description Amount us at Wells Fargo Bank. P.O. Box 6995, Portland, OR 97228-6995 as soon as you can. if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear 1 from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared 1. Tel us your name and account number (if any 2. Describe the error or the transfer you are unsure about, and explain as dearly as you can why you believe It Is an error or why you need more Total i + 1 Information. 3. Tell us the dollar amount of the suspected error 13 Add and 0 to calculate the subtotal. I We will investigate your complaint and will correct any error promptly. ft 1:1 List outstanding checks, withdrawals, and we take more than 10 business days to do this, we wiW credit your account other debits to your account that do not appear for the amount you think is in error, so that you will have the use of the on thls statement Enter the total In the column money during the time k takes us to complete our investigation. to the right ■ In case of errors or questions about your Direct Deposit Advance service 1 Numbsr/Descrlpdon Amount If you think your bill is wrong. or if you need more information about a transaction on your bill, write us at Wells Fargo Bank, P. O. Box 6995, Portland, OR 97228-6995 as soon as possible. We must hear from you no later than 80 days after we sent you the first bill on which the error or J i problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: 1. Your name and account number 2. The dollar amount of the suspected error 3. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the Item you are unsure about. You do not have to pay any amount in question while we ere investigating, but you are still obligated to pay the parts of your bill that are not in question. While we Investigate your question, we cannot report you as delinquent or take any action to collect the amount you question I L Taal $ 11 - $ © Subtract E from fl to calculate the adjusted ending balance. This amount should be the same as the current balance shown in your n li I 02010 Weis Few Bank. NA. AI eights reserved NMLSR ID 399801 Member FDIC. register. Sheet sue ° 0026225 Sheet 00002 of 00002 Wells Fargo Goal Savings Account number: 166 ■ July 1, 2012 - September 30, 2012 • Page 1 of 3 Questions? ERICA D POAG Available by phone 24 hours a day, 7 days a week: 1759 NE 6TH ST 1- 80040-WELLS (1 -800- 869 -3557) BOYNTON BEACH FL 33435 -3509 TTY: 1- 800- 877 -4833 En espetlol: 1 - 727 - 2932 a 1 (6 am to 7 pm PT, M-F) Online: wellsfargo.com Write: Wells Fargo Bank, N.A. (367) P.O. Box 6995 Portland, OR 97228-6995 You and Wells Fargo Online Banking with Wells Fargo Are you aware of all the Online Banking services we offer? We continue to add to and Improve our online features to meet your needs with services such as Mobile Banking, Account Alerts, and My Spending Report and Budget Watch. Visit wellsfargo.com for more information on any of these services. Activity summary Account number: 366 Beginning balance on 7/1 $7,529.63 ERICA D POAG Deposits/Additions 1,300.20 South Carolina account terms and conditions apply Withdrawals/Subtractlons - 0.00 For Direct Deposit and Automatic Payments use Ending balanu on 9/30 58,829.83 Routing Number (RTN). 053207766 Interest summary Interest paid this statement *0.20 Average collected balance S7,940.56 Annual percentage yield eamed 0.01% Interest eamed this statement period *0.20 Interest paid this year *0.62 Transaction history Deposits/ Withdrawals/ Ending daily Date Description Addklons Subtractions balance 7/23 Recurring Transfer Ref #Opemt3Z73M From Checldng xxxroocxxx9347 150.00 __. — .. 7,679_63 7/31 Interest Payment _._.__. �._..._. _.... `._ �.. 0.06 7,679.69 (367) Shoat Sag = 0011313 Shoat 00001 of 00002 Account number ..2366 • July 1, 2012 - September 30, 2012 • Page 2 of 3 Transaction history (continued) Deposits/ Withdrawals/ Ending daily Date Description Additions Subtractions balance 8/23 Recurring Transfer Ref #Ope885Cm16 From Checking xxxxxxxxx9347 _._. 150.00 7,829.89 8131 Interest Payrned Y __. 0.07 7,829.78 9/7 Transfer Ref #Opeggqgcw From Checking rooua000ut9347 860.00 8 9/24 Recunkp Transfer Ref #O q 7992 From Checking xt000uocot0947 150.00 8829.76 9/28 Interest Payment �_..._......_..______ 0.07 .. 8829.83 Ending balance on 9130 8,829.83 Totals 81,300.20 80.00 The Ending Dally BMence does not reflect any pending withdrawals or holds on deposited funds that nay have been outstanding on your account when your transactions posted, If you had insufficient available funds when a transaction posted, fees may have bean assessed Bi IMPORTANT ACCOUNT INFORMATION Effective November 7, 2012, debit or ATM card cash withdrawals made in person at non -Wells Fargo locations or in person using the cash advanoe feature at Wells Fargo banking locations will be subject to your daily ATM withdrawal limit. In addition, in the Terms & Conditions for Wells Fargo Consumer Debit Cards, the section titled "Authorization Holds for Card transactions" and Consumer Account Agreement section titled "Authorization holds for card transactions" are changing to clarify that the Bank Is permitted to place authorization holds for up to 30 days on certain debit card transactions. Remember, an "authorization hold" is a 'pending" transaction that wit reduce the current available balance that you can withdraw or use to pay transactions from your account. If you do not have sufficient available funds In your account, transactions may be paid with an overdraft protection advance, paid Into overdraft or returned unpaid as applicable The Bank is permitted to place an authorization hold on your account for purchases for up to three (3) business days on most transactions (or for up to thirty (30) business days for certain types of debit or ATM card transactions, including but not limited to, car rental transactions, cash transactions. and International transactions), from the time of the authorization or until the transaction is paid from your primary- linked checking account. Please note that if the transaction is not submitted for payment by the merchant within the three (3) business days (or shirty (30) business days. as applicable), the Bank will release the authorization hold, which will increase the available balance In your primary- linked checking account until the transaction is submitted for payment by the merchant and finally posted to your primary- linked checking account The merchant may submit the transaction for payment after the Bank hes released the authorization hold. If this happens, the Bank must honor the prior authorization and will pay the transaction from your primary- linked checking account Account number: _]►366 • July 1, 2012 - September 30, 2012 • Page 3 of 3 Worksheet to balance your account General statement policies for Welts Fargo Bank Follow the steps below to reconcile your statement balance with your • To dispute or report Inaccuracies In information we have furnished to • account register balance. Be sure that your register shows any Interest Consumer Reporting Agency about your accounts. You have the right to paid Into your account and any service charges, automatic payments or dispute the accuracy of Information that Wells Fargo Bank, N.A. has ATM transactions withdrawn from your account during this statement furnished to a consumer reporting agency by writktg to us at Wells Fargo pe Servicing, P.O. Box 14415, Des Moines, IA 50306 -3415. Please describe the 13 Enter the ending balance on this statement $ specific Information that Is Inaccurate or in dispute and the basis for the dispute along with supporting documentation. 11 you believe the El List outstanding deposits and other information furnished is the result of identity theft, please provide us with credits to your account that do not appear on an identity theft report this statement. Enter the total In the column • in case of errors or questions about your electronic transfers, to the right telephone us at the number printed on the front of this statement or write us at Wells Fargo Bank, P.O. Box 6995, Portland, OR 97228 -6995 as soon as Description you can, 11 you think your statement or receipt is wrong or N you need more information about a transfer on the statement or receipt We must hear from you no later than 60 days after we sant you the FIRST statement on which the error or problem appeared. 1. Tell us your name and account number (N any). 2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more Total s 1 $ Information. 3. Tell us the dollar amount of the suspected error. 13 Add Q and to catculata the subtotal. $ ' We will investigate your complaint and wit correct any error promptly. If Q List outstanding checks, withdrawals, and we take more than 10 business days to do this. we will credit your account other debits to your account that do not appear for the amount you think Is In error, so that you will have the use of the on this statement. Enter the total in the column money during the time It takes us to complete our investigation. to the right. • In case of errors or questions about your Direct Deposit Advance' service Number/Description Amount N you think your bill is wrong, or N you need more information about a transaction 0n your bill, write us at Wells Fargo Bank. P. O. Box 6995, Portland, OR 97228 -6995 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared, You can telephone us, but doing 80 wIA not preserve your rights. i 1 In your letter, give us the following information: 1. Your name and account number 2. The dollar amount of the suspected error 3. Describe the error and explain, N you can, why you believe there is an error, if you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are Investigating, but you are still obligated to pay the parts of your bit that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. � l Total s I ► - $ © Subtract 13 from LJ to calculate the adjusted ending balance This amount should be ^ the same as the current balance shown in your register. • $ l 02010 Wale Forgo Bonk. NA M rights reserved NM ISR ID 31191101 Member FDIC Sheet Sect • 0011314 Sheet 00002 of 00002 • • • • i • 011 w■mmiur IOW WdOilreit imp I. • RESTRICTIONS: ENDORSEMENTS. CLASS: 1 •My •■rt <omn•rcW ••had • 1111th. GVWR ken than 25,0011... r any RV REPLACEMENT LICENSE REQUIRED PATNN to DAYS Of ADDRESS OR NAME CHANGE. T . Mau M Morten r/errr Y roped Nola. heroin wn (ma W. se II .q ;,15;.,;'.‘' r ) } F � .Ey i '. 5 " . k i T ' t , I '1 • ,. ! � I 1 Ir fit • • • Experian - Printable Full Report Page 1 of 22 0 & I!) Y: 's s. Experian • 00 0 0. • A world of insight Online Personal Credit Report from Experian for Experian credit report prepared for Index: I! ERICA POAG - Contact us Your report number is - Potentially negative items 0472 - 3492 -24 Report date: - Accounts in good standing 12/06/2012 - Requests for your credit history - Personal information - Important message from Experian - Know your rights Experian collects and organizes information about you and your credit history from public records. your creditors and other reliable sources_ By law, we cannot disclose certain medical information (relating to physical, mental, or behavioral health or condition). Although we do not generally collect such information, it could appear in the name of a data furnisher (i.e.. "Cancer Center") that reports your payment history to us. If so, those names display in your report, but in reports to others they display only as "Medical Information Provider." Consumer statements included on your report at your request that contain medical information are disclosed to others, To return to your report in the near future. log on to www.experian.com/consumer and select "View your report again" or "Dispute" and then enter your report number If you disagree with information in this report. return to the Report Summary page and follow the instructions for disputing. Contact us back to to Need to view your report again or dispute information? Access your report online at www.experian.comlviewreport, You may also contact us by mail at: NCAC P.O. Box 9701 Allen, TX 75013 Or, by phone at. 1 800 493 1058 Monday through Friday, 9 am to 5 pm in your time zone. Potentially Negative Items or items for further review back to top This information is generally removed seven years from the initial missed payment that led to the delinquency. Missed payments and most public record items may remain on the credit report for up to seven years, except Chapters 7. 11 and 12 bankruptcies and unpaid tax liens. which may remain for up to 10 years. A paid tax lien may remain for up to seven years. Transferred accounts that have not been past due remain up to 10 years after the date the account was transferred Payment history legend Current/Terms of agreement met Voluntarily surrendered Account 30 days past due r. Repossession Account 60 days past due .-,C,`. Paid by creditor https:/ annualcreditreport. experian. com! AnnualCreditReportfcac,tFullReport.do 12/6/2012 Experian - Printable Full Report Page 2 of 22 90 Account 90 days past due +C Insurance claim 1 2C Account 120 days past due G Claim filed with government 150 Account 150 days past due D Defaulted on contract 180 Account 180 days past due C Collection CRC Creditor received deed CO Charge off FS Foreclosure proceedings started CLS Closed F Foreclosed ND No data for this time period Credit Items For your protection, the last few digits of your account numbers do not display. SETERUS Aaidress Account Number 14523 SW MILLIKAN WAY STE 1004. 200 BEAVERTON. OR 97005 No phone number available Address Identification Number. 0669693631 Mortgage Identification Number: 100158100600086173 Fannie Mae IDS 1706201081 Status: Open. 52,346 past due as of Nov 2012. Status Details: By Jul 2019, this account is scheduled to go to a positive status. Date Opened: Type Credit Limit/Original Amount: 12/2007 Mortgage $191,950 Reported Since: Terms: High Balance: 10/2010 40 Years NA Date of Status: Monthly Payment: Recent Balance: 11/2012 51,146 $189,098 as of 11/2012 Last Reported: Responsibility: Recent Payment: 11/2012 Individual $0 Payment History: 2012 2011 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR tiCi 3L' OK OK OK OK OK OK OK OK OK OK L' : O'. OK OK OK OK OK 2010 MAR FEB JAN DEC NOV OCT Or■ OK OK OK OK OK Account History: 60 days past due as of Nov 2012 30 days past due as of Oct 2012 Balance History - The following data will appear in the following format: account balance / date payment received / scheduled payment amount / actual amount paid Oct 2012: S188,157 / August 1. 2012 / $1.146 ! no data Sep 2012: $187,092 / August 1. 2012 / 51,146 / no data Aug 2012: $186,143 / August 1, 2012 1 51.146 / 51.146 Jul 2012: 5 186 .266 / July 2. 2012 / $1,146 Jun 2012: 5186.3881 June 1. 2012 / $1.146 / $1.146 May 2012: 5186,541 / May 1, 2012 / 51.146/$1.146 Apr 2012: 5186.725 / April 2, 2012 ! $1,146 / $1,146 Mar 2012: $186,752 /March 1, 2012 /51.146/51.146 Feb 2012: $186,872 / February 1, 2012 / 51,159 / $933 Jan 2012: S186.991 1 January 3, 2012 / $1.159 / $1,159 Dec 2011: 5187,110 / December 1, 2011 / 51.159 / 51,159 Nov 2011: $187,259 / November 1, 2011 / 51,159 / $1,159 Oct 2011: S187.346I October 3, 2011 / $1,159 1$1.159 Sep 2011: $187,463 / September 1, 2011 / $1,159 / $1,159 https :! /annualcreditreport.experian. corn% AnnualCreditReport . /'cac/FullReport.do 12/6/2012 Experian - Printable Full Report Page 3 of 22 Aug 2011: $187,642 / August 1, 2011 / 51.159 / S1.159 Jul 2011:$187.695 /July 1. 2011 /$1,159 / $1,159 Jun 2011: $187.810 / June 1. 2011/S1.159/$1.159 May 2011: 5187,925 / May 2. 2011 / 51.159 51.159 Apr 2011: $188,039 / April 1, 2011 / $1,159 / $1,159 Mar 2011: $188.184 /March 1.2011 /$1.159 / 51.159 Feb 2011: $188,296 / February 1.2011 / 51,279 / no data Jan 2011: S188,377 / January 3, 2011 1 $1.279 / $1,279 Dec 2010: $188.489 / December 1, 2010 / 51.2791$1,279 The original amount of this account was 5191.950 Accounts in Good Standing pack to top These items may stay on your credit report for as long as they are open. Once an account is closed or paid off it may continue to appear on your report for up to ten years AMERICAN EXPRESS Address: Account Number. PO BOX 981537 3499907826418333 EL PASO. TX 79998 (800) 874 -2717 Address Identification Number: 0669693631 Status: Open /Never late. Date Opened Type: Credit LimitlOriginal Amount: 11/2001 Credit card 513,000 Reported Since: Terms: High Balance: 06/2011 NA $28 Date of Status: Monthly Payment: Recent Balance: 11/2012 $0 $8 as of 11/2012 Last Reported: Responsibility: Recent Payment: 11/2012 Individual 50 Payment History: 2012 2011 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN cK ov OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Balance History • The following data will appear in the following format: account balance / date payment received / scheduled payment amount / actual amount paid Oct 2012: $8 / no data / Unknown / no data Sep 2012: $281 no data / Unknown / no data Aug 2012: $27 / no data / Unknown / no data Jul 2012: $7 / no data / Unknown / no data Jun 2012: $27 I no data / Unknown / no data May 2012: $8 / no data / Unknown I no data Apr 2012: 528 / no data / Unknown / no data Mar 2012: $8 / no data / Unknown / no data Feb 2012: $8 / no data / Unknown / no data Jan 2012: 527 / no data / Unknown / no data Dec 2011: $7 / no data / Unknown / no data Nov 2011: $8 / no data / Unknown / no data Oct 2011: SO / no data / Unknown / no data Sep 2011: $0 / no data / Unknown / no data Aug 2011: $0 / no data / Unknown / no data Jul 2011: $0 / no data / Unknown / no data Jun 2011: 58 / no data / Unknown / no data May 2011: 58 / no data / Unknown / no data Apr 2011: S83 / no data / Unknown / no data Mar 2011: $8 / no data / Unknown / no data Feb 2011: 527 / no data / Unknown / no data Jan 2011: $8 / no data / Unknown / no data Dec 2010: $8 / no data / Unknown / no data https:lannualcreditreport. experian. com/ AnnualCreditReport /cac /FullReport.do 12/6/2012 Experian - Printable Full Report Page 4 of 22 Between Dec 2010 and Oct 2012. your credit limit/high balance was $13,000 AMERICAN EXPRESS Address: Account Number PO BOX 981537 3499916282608613 EL PASO. TX 79998 (800)874 -2717 Address Identification Number. 0669693631 Status: Open /Never late. Date Opened: Type: Credit Limit/Original Amount: 10/2001 Credit card $5,000 Reported Since: Terms High Balance: 06/2011 NA $2,802 Date of Status: Monthly Payment: Recent Balance: 11/2012 $0 $860 as of 11/2012 Last Reported: Responsibility: Recent Payment: 11/2012 Individual $0 Payment History: 2012 2011 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN OK OK OK OK. OK OK OK OK OK OK OK OK OK OK OK OK OK OK Balance History - The following data will appear in the following format account balance / date payment received / scheduled payment amount / actual amount paid Oct 2012: S1,773 / no data / Unknown I no data Sep 2012: $1,105 / no data / Unknown / no data Aug 2012: $769 1 no data / Unknown / no data Jul 2012: $1.034 / no data / Unknown/no data Jun 2012: S2.802 / no data I Unknown / no data May 2012: S721 / no data / Unknown / no data Apr 2012: 5880 / no data / Unknown / no data Mar 2012: $884 / no data / Unknown/no data Feb 2012: $1,256; no data / Unknown / no data Jan 2012: 5822 / no data / Unknown / no data Dec 2011: $1,814 / no data / Unknown / no data Nov 2011: $1,517 1 no data / Unknown 1 no data Oct 2011: S367 / no data / Unknown / no data Sep 2011: $179 / no data 1 Unknown / no data Aug 2011: $326 / no data / Unknown / no data Jul 2011: $108 no data / Unknown / no data Jun 2011: 5850 / no data / Unknown / no data May 2011: 5473 / no data / Unknown / no data Apr 2011: S370 / no data / Unknown / no data Mar 2011: $871 no data / Unknown / no data Feb 2011: $770 / no data / Unknown / no data Jan 2011: 5270 / no data / Unknown / no data Dec 2010: $432 1 no data / Unknown / no data Between Dec 2010 and Oct 2012. your credit limit/high balance was $5,000 BANK OF AMERICA Address: Account Number: PO BOX 982235 37463214665.... EL PASO, TX 79998 No phone number available Address Identification Number: 0669693631 Status Closed /Never late. Date Opened: Type: Credit Limit/Original Amount: 09/2005 Credit card $12.300 https: / /'annualcreditreport. experian. com/ AnnualCreditReport/caci'FullReport.do 12/6/2012 Experian - Printable Full Report Page 5 of 22 Reported Since. Terms: High Balance 09/2005 NA $1,744 Date of Status: Monthly Payment: Recent Balance: 02/2012 $1 $0 as of 02/2012 Last Reported: Responsibility: Recent Payment: 02/2012 Individual $0 Your Statement: Account closed at consumer's request. Payment History: 2012 2011 2010 FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL CLS OK OK OK OK OK OK T^ ?K OK OK OK OK OK OK OK OK OK O >. 2009 2008 JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OK OK Ot. OK 0< OK OK OK OK Jr OK NO NO ND t;D NO ND ND ND Nt) 2007 OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR ND ND OK ND ND ND NO ND N1? ND ND ND ND ND ND NO OK OK OK OK 2006 2005 FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP OK OK OK OK OK OK ND ND ND ND ND ND ND OK OK ND OK OK Balance History - The following data will appear in the following format: account balance / date payment received / scheduled payment amount / actual amount paid Feb 2012: $0 / June 15, 2007 / S1 / no data Jan 2012: SO / June 15, 2007/ $1 / no data Dec 2011: $0 / June 15. 2007 / $1 / no data Nov 2011: $0 / June 15. 2007 / $1 / no data Oct 2011: S0 / June 15, 2007 / 51 / no data Sep 2011: $0 / June 15, 20071 $1 / no data Aug 2011: $0 / June 15, 2007151 / no data Jul 2011: $O ! June 15, 2007 I $1 / no data Jun 2011: S0 / June 15. 20071$1 / no data May 2011: SO / June 15. 2007 / $1 i no data Apr 2011: $O / June 15, 2007/$1 / no data Mar2011:$0 /June15,2007 /51 /no data Feb 2011: $0 / June 15, 2007 / $1 l no data Jan 2011: SO / June 15, 2007 / $1 / no data Dec 2010: 50 / June 15. 2007 / 51 / no data Between Dec 2010 and Feb 2012, your credit limit/high balance was $12,300 BANK OF AMERICA Address Account Number: PO BOX 982235 546632221087.... EL PASO. TX 79998 No phone number available Address Identification Number: 0669693631 Status Closed /Never late. Status Details: This account is scheduled to continue on record until Sep 2021 Date Opened: Type: Credit Limit/Original Amount 01/1999 Credit card 523.800 Reported Since Terms: High Balance: 01/1999 NA 55,147 Date of Status: Monthly Payment: Recent Balance: 09/2011 $48 50 as of 09/2011 Last Reported: Responsibility: Recent Payment: 09/2011 Individual 50 Your Statement: Account closed at consumer's request. https: //annualcreditreport. experian. comiAnnualCreditReporticac /FullReport.do 12/6/2012 Experian - Printable Full Report Page 6 of 22 Payment History: 2011 2010 SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB C , OK OK OK OK OK OK UK OK OK OK OK OK OK DK OK UK OK OK OK 2009 2008 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN OK OK OK OK O =: O`': OK OK OK OK ND ND 0D N[ ND ND NO ND ND ND 2007 2006 MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT N[) OK OK OK OK OK OK OK OK OK OK OK ND OK DK OK OK OK OK OK 2005 SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB OK OK OK ND ND ND ND ND ND ND ND ND ND OK ND ND ND OK OK OK 2004 JAN DEC NOV OCT OK OK OK OK Balance History - The following data will appear in the following format: account balance / date payment received / scheduled payment amount / actual amount paid Sep 2011: $0 / December 28. 2007 1$48 / no data Aug 2011: $01 December 28. 2007 / $48 / no data Jul 2011: $0 ! December 28. 2007 / 548 / no data Jun 2011: SO / December 28. 2007 / 548 / no data May 2011: 50 / December 28, 2007 / $48 no data Apr 2011: SO / December 28, 2007 / S48 / no data Mar 2011: $0 / December 28. 2007 / 548 / no data Feb 2011: 50 / December 28. 2007 / $48 I no data Jan 2011: SO / December 28. 2007 / S48 / no data Dec 2010: 50 / December 28. 2007 ! $48 / no data Between Dec 2010 and Sep 2011, your credit limit/high balance was $23,800 BANK OF AMERICA, N.A. Address: ACci'unt N u!n0 9000 SOUTHSIDE BLVD BLDG 6301002882.... 600 JACKSONVILLE, FL 32256 (800) 215 -6195 Address Identification Number: 0669693631 Status Paid.Closed/Never late. Status Details: This account is scheduled to continue on record until Jun 2022. Date Opened: Type: Credit Limit/Original Amount: 03/2012 Auto Loan $25.481 Reported Since: Terms: High Balance: 03/2012 66 Months NA Date of Status: Monthly Payment: Recent Balance: 06(2012 $0 NA Last Reported: Responsibility: Recent Payment: 06/2012 Individual NA Payment History: 2012 JUN MAY APR MAR CLS OK OK OK Balance History - The following data will appear in the following format: account balance / date payment received / scheduled payment amount / actual amount paid May 2012: 524,860 / May 16. 2012 / 5430 / 5430 Apr 2012: 525,207 / April 16, 2012 1$430 / 5430 Mar 2012: $25,557 / no data / $430 / no data https annual creditreport. experian. com% AnnualCreditReporticac /FullReport.do 12.16.2012 Experian - Printable Full Report Page 7 of 22 The original amount of this account was $25,481 CHASE Address, Account Number: PO BOX 901076 1993561417.... FORT WORTH, TX 76101 (800) 955 -9900 Address identification Number 0158678680 Status: Paid.Closed /Never late. Status Details: This account is scheduled to continue on record until Jul 2014. Date Opened: Type: Credit Limit/Original Amount: 12/1999 Auto Loan 814273 Reported Since: Terms: High Balance: 12/1999 60 Months NA Date of Status: Monthly Payment: Recent Balance: 07/2004 $0 NA Last Reported: Responsibility: Recent Payment: 07/2004 Individual NA Payment History: 2004 2003 2002 JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC CIS OK OK OK G.: OK OK OK OK OK OK OK OK OK OK OK OK 0 2001 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OX 2000 1999 MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK CHASE Address Account Number: PO BOX 24696 465188129.... COLUMBUS. OH 43224 (800) 848 -9136 Address Identification Number. 0673712606 Mortgage identification Number: 100158100600086173 Fannie Mae ID 1706201081 Status' Transferred.closed /Never late Status Details: This account is scheduled to continue on record until Jul 2020. Date Opened. "type. Credit Limit/Original Amount 12/2007 Mortgage $191,950 Reported Since: Terms: High Balance: 01/2008 40 Years NA Date of Status: Monthly Payment: Recent Balance: 07/2010 $0 NA Last Reported: Responsibility: Recent Payment: 07/2010 Individual NA Creditor's Statement: Account transferred to another lender Payment History: 2010 2009 2008 JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN ril • . .. -_ https:/' annualcreditreport. experian.corn /Annual(reditReport caciFullReport.do 12/6/2012 Experian - Printable Full Report Page 8 of 22 cm Address: Account Number: PO BOX 6241 412800403260.... SIOUX FALLS, SD 57117 No phone number available Address Identification Number: 0158878680 Status: Paid,CIosed/Never late. Status Details: This account is scheduled to continue on record until Oct 2015. Date Opened: Type: Credit Limit/Original Amount: 10/1996 Credit card $3,300 Reported Since: Terms: High Balance: 10/1996 NA $457 Date of Status: Monthly Payment: Recent Balance: 10/2005 $0 NA Last Reported: Responsibility Recent Payment: 10/2005 Individual NA Creditor's Statement: Account closed at credit grantor's request. Payment History: 2005 2004 OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR Oi..S OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2003 2002 FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL OK OK OK ND ND ND ND ND ND ND ND ND OK OK OK ND ND ND ND Nil. 2001 2000 JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV ND ND ND ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 1999 OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 1998 FEB JAN DEC NOV OK OK OK OK WFNNB /ANN TAYLOR MAST Address: Account Number: PO BOX 182789 546676000187.... COLUMBUS. OH 43218 No phone number available Address Identification Number: 0669693631 Status: Inactive /Never late. Status Details: This account is scheduled to continue on record until May 2019. Date Opened: Type: Credit LimiVOriginal Amount: 03/2009 Credit card $10,000 Reported Since: Terms: Nigh Balance: 03/2009 NA $171 Date of Status: Monthly P yment: Recent Balance: 05/2009 $10 $0 /paid as 0105/2009 Last Reported: Responsib City: Recent Payment: 05/2009 Individual $171 Payment History: 2009 MAY APR MAR OK OK )t https: / /annualcreditreport. experian. com /AnnualCreditReportrcac /FullReport.do 12/6/2012 Experian - Printable Full Report Page 9 of 22 WFNNB/EXPRESS Address: Account Number: PO BOX 182789 30838.... COLUMBUS. OH 43218 No phone number available Address Identification Number 0158678680 Status: Closed /Never late. Status Details: This account is scheduled to continue on record until Dec 2014. Date Opened. Type. Credit LirnitOriginai Amount: 03/2004 Charge Card $680 Reported Since: Terms: High Balance: 03/2004 NA $117 Date of Status: Monthly Payment - Recent Balance: 12/2004 SO $0 /paid as 0112/2004 Last Reported: Responsibility: Recent Payment 12/2004 Individual $49 Creditors Statement: Account closed at credit grantor's request. Payment History: 2004 DEC NOV OCT SEP AUG JUL JUN MAY APR MAR Ct - `' OK OK OK OK O' OK OK c WFNNBNICTORIAS SECRET Address. Account Number: PO BOX 182789 28777.... COLUMBUS. OH 43218 No phone number available Address identification Number: 0158678680 Status: Closed/Never late. Status Details'. This account is scheduled to continue on record until Mar 2015 Date Opened Type: Credit Limit /Original Amounr 01/2005 Charge Card $1,000 Reported Since: Terms High Balance 01/2005 NA $63 Date of Status: Monthly Payment: Recent Balance: 03/2005 $0 $0 /paid as 0103/2005 Last Reported: Responsibility: Recent Payment 03/2005 Individual $34 Creditors Statement: Account dosed at credit grantor's request. Payment History: 2005 MAR FEB JAN DISCOVER FINANCIAL SVCS LLC Address: Account Number: PO BOX 15316 601100819072.... WILMINGTON. DE 19850 (800) 347 -2683 Address identification Number 0575007951 Status: Paid,Closed /Never late. Status Details: This account is scheduled to continue on record until Jan 2019. https:' annualcreditreport.experian. cons/ AnnualCreditReport'cac/'FullReport.do I2/6//2012 Experian - Printable Full Report Page 10 of 22 Date Opened: Type. Credit LimiVOriginai Amount: 06/2001 Credit card $1.500 Reported Since: Terms: High Balance: 01/2001 NA $601 Date of Status: Monthly Payment: Recent Balance: 01/2009 $0 NA Last Reported Responsibility: Recent Payment: 01/2009 Individual NA Your Statement: Account closed at consumers request. Payment History: 2009 2008 2007 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN CLS OK OK OK OK O. OK OK OK OK OK OK OK OK OK OK OK OK _)( G-; 2006 2005 MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT OK OK OK OK OK OK O✓ OK OK OK OK OK OK OK OK CK OK OK OK OK 2004 SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB CK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2003 2002 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK MAY APR MAR FEB OK ND OK OK GECRB /BRANDSMART Address. Account Number: CIO P O BOX 965036 601917011227.... ORLANDO. FL 32896 (866) 396-8254 Address Identification Number: 0669693631 Status: Open /Never late. Date Opened: Type Credit LimitlOriginal Amount: 06/2009 Charge Card 52,500 Reported Since: Terms: High Balance: 06/2009 NA $909 Date of Status: Monthly Payment: Recent Balance: 11/2012 $15 $0 /paid as of 11/2012 Last Reported: Responsibility: Recent Payment: 11/2012 Individual $0 Payment History: 2012 2011 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR OK OK OK OK OK OK OK 'OK OK OK OK OK OK OK OK OK OK OK OK OK 2010 2009 MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK JUL JUN OK OK Balance History - The following data will appear in the following format: account balance / date payment received / scheduled payment amount / actual amount paid Oct 2012: 50 / December 22, 2009 / 515 / no data Sep 2012: $0 / December 22. 2009 / $15 / no data Aug 2012: $0 / December 22. 2009 / 515 / no data Jul 2012: 50 / December 22, 2009 / 515 / no data Jun 2012: 50 / December 22. 2009 / S15 / no data May 2012: SO / December 22, 2009 / $15 / no data https: /annualcreditreport.experian .cons / AnnualCreditReportfcac /FulIReport.do 12/6/2012 Experian - Printable Full Report Page 11 of 22 Apr 2012: SO i December 22, 2009 / 515 / no data Mar 2012 $0 / December 22. 2009 / $15 / no data Feb 2012: $0 / December 22. 2009 / 515 / no data Jan 2012: 50 / December 22. 2009 / 515 / no data Dec 2011 $0 / December 22. 2009 / $15 / no data Nov 2011. 50 / December 22, 2009 / $15 / no data Oct 2011: 50 / December 22, 2009 / 515 / no data Sep 2011: $0 / December 22. 2009 / $15 / no data Aug 2011: $0 / December 22. 2009 / $15 / no data Jul 2011: 50 / December 22. 2009 / S15 / no data Jun 2011: SO / December 22, 2009 / 515 / no data May 2011: SO 1 December 22. 2009 / $15 / no data Apr 2011: SO / December 22. 2009 / 515 / no data Mar 2011 $0 / December 22. 2009 / $15 / no data Feb 2011 $0 / December 22. 2009 / 515 / no data Jan 2011: SO / December 22, 2009 / 515 / no data Dec 2010. 50 / December 22. 2009 / $15 / no data Between Dec 2010 and Oct 2012. your credit IimiVhigh balance was $2.500 IBM SOUTHEAST EMP FCU Address Account Number 790 PARK OF COMMERCE 700056233.... BLVD BOCA RATON. FL 33487 (561) 982 -4700 Address Identification Number: 0669693631 Status: Open /Never late. Date Opened Type: Credit Limit/Original Amount: 06/2012 Auto Loan 524.980 Reported Since: Terms' High Balance. 07/2012 72 Months NA Date of Status: Monthly Payment: Recent Balance: 12/2012 5374 $23.234 as of 12/2012 Last Reported: Responsibility: Recent Payment, 12/2012 Individual $405 Payment History. 2012 DEC NOV OCT SEP AUG JUL ',iii Nr r Balance History . The following data will appear in the following format account balance / date payment received / scheduled payment amount / actual amount paid Sep 2012: $23.586 / no data / 5374 / 5405 Jul 2012: 524.295 / no data r $374 / 5405 Jul 2012 524,980 / no data / $374 / no data The original amount of this account was 524.980 IBM SOUTHEAST EMP FCU Address: Account Number: 790 PARK OF COMMERCE 700056233.... BLVD BOCA RATON. FL 33487 (561) 982 -4700 Address identification Number: 0669693631 Status Open/Never late Date Opened: Type Credit Limit/Original Amount: 06/2012 Credit card 55,000 Reported Since: Terms: High Balance. 06/2012 NA NA https:liann ua lc red itreport. ex perian .corn/A nn ualCred it Reportrcae 'Fu II Report .do 12.-6/2012 Experian - Printable Full Report Page 12 of 22 Date of Status • Monthly Payment: Recent Balance: 12/2012 $0 $0 /paid as of 12/2012 Last Reported: Responsibility Recent Payment: 12/2012 Individual $0 Payment History: 2012 DEC NOV OCT SEP AUG JUL JUN OK NL) NU ND ND NU OK Balance History - The following data will appear in the following format: account balance /date payment received / scheduled payment amount / actual amount paid Jun 2012: SO / no data / Unknown / no data As of Jun 2012 your credit IimiVhigh balance was $5,000 MACYS Address: Account Number. PO BOX 8218 479432033.... MASON, OH 45040 (800) 243 -6552 Address Identification Number: 0669693631 Status: Paid,Closed /Never late. Status Details: This account is scheduled to continue on record until May 2022. Date Opened: Type: Credit LimiVOriginal Amount: 01/2008 Charge Card NA Reported Since: Terms: High Balance: 01/2008 NA NA Date of Status: Monthly Payment: Recent Balance: 05/2012 $0 NA Last Reported: Responsibility: Recent Payment: 05/2012 Individual NA Your Statement: Account closed at consumers request. Payment History: 2012 2011 2010 MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT CLS CLS CLS CLS CLS CLS C./ CLS CLS CLS t.LS CL:; CLS CLS CLS CLS CAS CLS CLS CLS 2009 SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB C: OK OK OK Oil OK. OK OK OK OK OK OK O OK O.{ OK O. OK 0.< OK 2008 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN OK OK OK OK OK OK OK OK Or; Of. OK OOK VISA/DEPT STORES NATIONAL BANK Address: Account Number: PO BOX 8218 430851309407._ MASON, OH 45040 (800) 243 -6552 Address Identification Number' 0669693631 Status Paid,Closed/Never late. Status Details: This account is scheduled to continue on record until Jun 2022. Date Opened: Type: Credit Limit/Original Amount: 01/2008 Credit card $300 Reported Since: Term ; High Balance: 02/2008 NA NA baps : / /annualcreditreport.experian. conl,./ AnnualCreditReport'cac /FullReport.do 12/6/2012 Experian - Printable Full Report Page 13 of 22 Date of Statu:,. Monthly Payment: Recent Balance: 06/2012 $0 NA Last Reported: Responsibility: Recent Payment' 06/2012 Individual NA Your Statement: Account closed at consumer's request. Payment History: 2012 2011 2010 JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV 2009 OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR • OK OK r,H; 2008 FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB • Balance History - The following data will appear in the following format account balance / date payment received / scheduled payment amount / actual amount paid May 2012: 50 / no data / no data / no data Apr 2012: SO / no data / no data / no data Mar 2012' $0 / no data / no data / no data Feb 2012 50 / no data / no data / no data Jan 2012: SO / no data/no data / no data Dec 2011: $0 / no data / no data / no data Nov 2011. $0 / no data / no data / no data Oct 2011: 50 / no data / no data / no data Sep 2011: 50 / no data / no data/no data Aug 2011 $0 / no data / no data / no data Jul 2011: 50 / no data / no data / no data Jun 2011 SO / no data / no data / no data May 2011: 50 / no data / no data / no data Apr 2011: 50 / no data / no data / no data Mar 2011 50 / no data / no data/no data Feb 2011: $0 / no data 1 Unknown / no data Jan 2011: SO / no data /Unknown / no data Dec 2010 $0 / no data / Unknown / no data Between Mar 2011 and May 2012. your credit limit/high balance was $300 Between Dec 2010 and Feb 2011, your credit limit/high balance was $1.000 WELLS FARGO BANK Address: Account Number: PO BOX 10335 32051100000_.. DES MOINES. IA 50306 (800)288 -3212 Address Identification Number 0551831476 Status Paid.Closed /Never late Status Details. This account is scheduled to continue on record until Sep 2016 Date Opened: Type: Credit Limit/Original Amount. 02/2005 Secured Loan 55.000 Reported Since: Terms: High Balance: 02/2005 18 Months NA Date of Status: Monthly Payment' Recent Balance: 09/2006 $0 NA Last Reported: Responsibility. Recent Payment 09/2006 individual NA Payment History: 2006 2005 SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB https:: annual creditreport. experian.coniiAnnualCreditReport cac /FullReport.do 12/6/2012 Experian - Printable Full Report Page 14 of 22 C1S OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK WFFNBIMATTRESS GIANT Address: Account Number: PO BOX 14517 577442106068.... DES MOINES, IA 50306 No phone number available Address Identification Number: 0669693631 Statu Paid,Closed /Never late Status Details' This account is scheduled to continue on record until Sep 2019. Date Opened Type Credit LimitOrigmai Amount: 08/2007 Charge Card NA Reported Since: Terms. High Balance: 11/2007 NA $1,838 Date of Status: Monthly Payment Recent Balance: 09/2009 SO NA Last Reported: Responsibibty• Recent Payment: 09/2009 Individual NA Creditor's Statement: Account closed at credit grantor's request. Payment History: 2009 2008 SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND OK 2007 JAN DEC NOV OK OK OK Record of Requests for Your Credit History back to ton Inquiries Shared With Others We make your credit history available to your current and prospective creditors and employers as Mowed by law Experian may list these inquiries for up to two years The section below lists all of the companies that have requested your credit history as a result of action you took. such as applying for credit or financing or as a result of a collection. The inquiries in this section are shared with companies that receive your credit history. IBM LENDER BUSINESS PROCESS • Date of Request: 14523 SW MILKAN WAY #200 11/14/2012 BEAVERTON OR 97005 No phone number available Address Identification Numbe+. 0669693631 Comments: Unspecified. This inquiry is scheduled to continue on record until Dec 2014 https:% annualcreditreport.experian .cons /AnnualCreditReport cac /FullReport.do 12'6:2012 Experian - Printable Full Report Page 15 of 22 CBCINNOVIS Address. Date of Request: PO BOX 1838 07/20/2012 COLUMBUS 01-143216 No phone number available Address Identification Number: 0673712606 Comments: Credit Granting on behalf of 121 NATIONS LENDING CO. This inquiry is scheduled to continue on record until Aug 2014. IBM SOUTHEAST EMP FCU Address. mate of Request 790 PARK OF COMMERCE BLVD 05/31/2012 BOCA RATON FL 33487 (561) 982 -4700 Address identification Number: 0669693631 Comments: Unspecified This inquiry is scheduled to continue on record until Jun 2014. IBM SOUTHEAST EMP FCU e,owe,.> Date of Request 790 PARK OF COMMERCE BLVD 01/23/2012 BOCA RATON FL 33487 (561) 982 -4700 Address Identification Number 0669693631 Comments: Credit Granting. This inquiry is scheduled to continue on record until Feb 2014. Inquiries Shared Only With You You may not have initiated the following inquiries. so you may not recognize each source. We report these requests to you only as a record of activities, and we do not include any of these requests on credit reports to others_ We offer credit information about you to those with a permissible purpose. for example to. • other creditors who want to offer you preapproved credit, • an employer who wishes to extend an offer of employment; • a potential investor in assessing the risk of a current obligation: • Experian Consumer Assistance to process a report for you; • your current creditors to monitor your accounts (date listed may reflect only the most recent request), • an end user to complete your mortgage loan application These inquiries do not affect your credit score AMEX ACCOUNT REVIEW httpsa annualcreditreport. experian. comi AnnualCreditReporticac /FullReport.do 12/6/2012 Experian - Printable Full Report Page 16 of 22 Date of Request: PO BOX 981537 11/14/2012 EL PASO TX 79998 (800) 874 -2717 LEXISNEXIS /STATE FARM ,uc,rr >a. Date of Request: 1000 ALDERMAN DR 11/01/2012, 08/03/2012. 03/06/2012. ALPHARETTA GA 30005 12/01/2011 No phone number available Comments. On behalf of STATE FARM INSURANCE COM for Insurance underwriting AMERICAN EXPRESS 2 Address: Date of Request: PO BOX 981537 10/11/2012 EL PASO TX 79998 (800) 874-2717 AMERICAN EXPRESS CO Address: Date of Request: PO BOX 981537 10/01/2012 EL PASO TX 79998 (800) 874-2717 PNC BANK :cure, Date of Request 1900 E 911-! ST 09/25/2012 CLEVELAND OH 44114 No phone number available CITI CARDS ..ortresr Date of Request. PO BOX 6241 09/17/2012, 08/14/2012, 07/24/2012. SIOUX FALLS SD 57117 06/12/2012, 05/16/2012. 04/17/2012. No phone number available 01/19/2012. 12/07/2011. 08/02/2011 IBM SOUTHEAST EMP FCU Date of Request: 790 PARK OF COMMERCE BLVD 08/13/2012 BOCA RATON FL 33487 No phone number available https:.. ' annualcreditreport. experian .com;AnnualCreditReport. cac /FullReport.do 12.'6!2012 Experian - Printable Full Report Page 17 of 22 WELLS FARGO BANK Date of Request, 1220 CONCORD AVE 07/19/2012, 05/23/2012 CONCORD CA 94520 No phone number available FIRST CHOICE BANK Address: Date of Request; 500 CAMPUS DR 06/27/2012 MORGANVILLE NJ 07751 No phone number available IBM SOUTHEAST EMPLOYEES Address. Date of Request 790 PARK OF COMMERCE BLVD 06/21/2012 BOCA RATON FL 33487 No phone number available BANK OF AMERICA Address. Date of Request: 13510 BALLANTYNE CORPORATE PL 06/20/2012, 05/31/2012 CHARLOTTE NC 28277 No phone number available BANK OF AMERICA Address. Date of Request' 05/31 /2012 No phone number available CAP ONE ddre Date of Request. PO BOX 30281 05/25/2012, 04/24 /2012, 10/21/2011. SALT LAKE CITY UT 84130 09/16/2011 No phone number available BANK OF AMERICA https:i annualcreditreport.experian. cow/ AnnualCreditReporticac /FullReport.do 12/6/2012 Experian - Printable Full Report Page 18 of 22 Address. Date of Request. PO BOX 17054 03/01/2012 WILMINGTON DE 19850 (800) 421 -2110 LEXISNEXIS /INS /P&C Date of Request: 1000 ALDERMAN DR 02/29/2012 ALPHARETTA GA 30005 No phone number available cmmerits On behalf of MERCURY INSURANCE GROUP for Insurance underwriting PROGRESSIVE INSURANCE Addres Date of Request. 6300 WILSON MILLS RD 02/26/2012, 11/20/2010 CLEVELAND OH 44143 No phone number available CHASE Adarest. Date of Request: PO BOX 15298 02/15/2012. 12/08/2011. 10/06/2011. WILMINGTON DE 19850 09 /08/2011.06/10/2011.05 /10/2011. (800) 955 -9900 05/09 /2011, 03/16/2011 WORLD FINANCIAL NETWORK NATL BAN Address: Date of Request: PO BOX 182789 07/29/2011 COLUMBUS OH 43218 No phone number available LEXISNEXIS /STATE FARM Date of Request' 1000 ALDERMAN DR 12/06/2010, 11/20/2010 ALPHARETTA GA 30005 No phone number available "rs. ritef!Y, On behalf of STATE FARM INSURANCE CO for Insurance underwriting LEXISNEXIS /STATE FARM https : / /annualcreditreport.experian. coin/ AnnualCreditReport /cac/FullReport.do 12/6/2012 Experian - Printable Full Report Page 19 of 22 Date of Request: 11120/2010 No phone number available On behalf of STATE FARM INSURANCE CO for Insurance underwriting Personal Information back to tot: The following information is reported to us by you. your creditors and other sources. Each source may report your personal info differently, which may result in variations of your name. address, Social Security number, etc. As part of our fraud prevention efforts, a notice with additional information may appear. As a security precaution. we did not list the Social Security number that you provided when you contacted us. If any Social Security number variations were reported to us. only the last four digits of each are displayed. Numbers that appear here vary from the number you used to generate this report Actual differences in these numbers may be part of the displayed portion or part of the hidden portion The names are listed in no particular order and may include variations of your legal name. The Name identification number is how our system identifies the names associated with respective accounts on your credit report These addresses are listed in no particular order and may include previous addresses where you received mail. The Address identification number is how our system identifies the address The Geographical Code shown with each address identifies the state. county, census tract. block group and Metropolitan Statistical Area associated with each address Names Address: 1759 NE 6TH ST ERICA 0 POAG BOYNTON BEACH, FL 33435 -3509 Name identification number: 10839 Address identification number: 0669693631 Type of Residence: Single family ERICA POAG Geographical Code:0- 620100 -99 -8960 Name identification number: 22338 Address: 1759 NE 6TH ST UNIT1209 BOYNTON BEACH. FL 33435 -3509 Address identification number: 0673712606 Year of birth: 1974 Type of Residence: Single family Geographical Code:O- 620100 -99 -8960 Employers: ARMBRUST AND BROWN Address: 6672 W SAMPLE RD CHARLOTTE KNIGHTS CORAL SPRINGS, FL 33067 -4201 Address identification number. 0551831476 Telephone numbers: Type of Residence: Single family (512) 293 -9840 Cellular Geographical Code:0- 2030920 -11 -2680 Address: 1511 BLENHEIM TRL THE VILLAGES. FL 32162 -2252 Address identification number: 0575007951 Type of Residence: Single family Geographical Code:0- 99080020 -119- Address: 9417 GREAT HILLS TRL APT2085 AUSTIN, TX 78759 -6369 Address identification number: 0158678680 Type of Residence: Apartment complex https:; annualcreditreport. experian.comfAnnualCreditReport cacJFullReport.do 12'6, Experian - Printable Full Report Panel() of 22 Geographical Code:0- 172220 -453 -2680 Important Message From Experian back to too By law, we cannot disclose certain medical information (relating to physical, mental. or behavioral health or condition). Although we do not generally collect such information, it could appear in the name of a data furnisher (i.e., "Cancer Center ") that reports your payment history to us. If so. those names display in your report. but in reports to others they display only as MEDICAL PAYMENT DATA. Consumer statements included on your report at your request that contain medical information are disclosed to others. Know your rights hack to top FCRA Rights Para Informacion en espanol, visite www.consumerfinance.govlieammore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552. A Summary of Your Rights under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy. fairness. and privacy of information in the files of consumer reporting agencies There are many types of consumer reporting agencies. including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories. medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more Information, including information about additional rights, go to www.consumerfinance gov /teammore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, O.C. 20552. • You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit. insurance. or employment — or to take another adverse action against you — must tell you. and must give you the name. address, and phone number of the agency that provided the information. • You have the right to know what Is In your file You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure ") You will be required to provide proper identification, which may include your Social Security number In many cases. the disclosure will be free You are entitled to a free file disclosure if a person has taken adverse action against you because of information in your credit report: you are the victim of identify theft and place a fraud alert in your file; your file contains inaccurate information as a result of fraud: you are on public assistance; you are unemployed but expect to apply for employment within 60 days. All consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www consumerfmanve gov/ earnmore for additional information • You have the right to ask for a credit score. Credit scores are numerical summaries of your credit - worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender • You have the right to dispute Incomplete or inaccurate Information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency. the agency must investigate unless your dispute is frivolous See .xww consumerfmance gov'leammore for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate. incomplete or unverifiable information must be removed or corrected. usually within 30 days. However. a consumer reporting agency may continue to report information it has verified as accurate. • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old. or bankruptcies that are more than 10 years old. https : /.`annualcreditreport.experian. corn! AnnualCreditReport 'cac /FullReport.do 12.6/2012 Experian - Printable Full Report Page 21 of 22 • Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business The FCRA specifies those with a valid need for access • You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer. without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information. go to ,,- . .cansumertrnance.gcv /learnmore. • You may limit "prescreened" offers of credit and insurance you get based on information in your credit report. Unsolicited "prescreened" offers for credit and insurance must include a toll -free phone number you can call if you choose to remove your name and address from the lists these offers are based on You may opt -out with the nationwide credit bureaus at 1 888 5OPTOUT (1 888 567 8688). • You may seek damages from violators. If a consumer reporting agency. or. in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. • Identity theft victims and active duty military personnel have additional rights. For more information, visit www .consumerfinance.govllearnmore . States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For more information about your federal rights, contact: Type of Business: [Contact: Consumer reporting agencies, creditors and Federal Trade Commission others not listed below Consumer Response Center - FCRA Washington, DC 20580 1 877 382 4357 National banks, federal branches/agencies of Office of the Comptroller of the Currency foreign banks (word "National" or initials "N.A." Customer Assistance Group appear in or after bank's name) 1301 McKinney Street, Suite 3450 Houston, TX 77010 -9050 Federal Reserve System member banks (except Federal Reserve Consumer Help national banks. and federal branches /agencies of PO Box 1200 foreign banks) Minneapolis, MN 55480 Savings associations and federally chartered Office of Thrift Supervision savings banks (word "Federal" or initials "F.S.B." Consumer Complaints appear in federal institution's name) Washington, DC 20552 1 800 842 6929 Federal credit unions (words "Federal Credit National Credit Union Administration Union" appear in institution's name) 1775 Duke Street Alexandria. VA 22314 1 703 519 4600 State - chartered banks that are not members of Federal Deposit Insurance Corporation the Federal Reserve System Consumer Response Center 2345 Grand Avenue, Suite 100 Kansas City, Missouri 64108 -2638 1 877 275 3342 Air, surface, or rail common carriers regulated by Department of Transportation former Civil Aeronautics Board or Interstate Office of Financial Management Commerce Commission Washington, DC 20590 1 202 366 1306 Activities subject to the Packers and Stockyards Department of Agriculture Act, 1921 Office of Deputy Administrator - GIPSA Washington, DC 20250 1 202 720 7051 States Rights Notification of rights for Alabama consumers Notification of rights for Alaska consumers Notification of rights for Arkansas consumers Notification of rights for California consumers California notice of your rights to request and obtain your credit score https:=/ annualcreditreport .experian.com/ Annual CreditReport /cac /FuIlReport.do 12/6/2012 Experian - Printable Full Report Page 22 of 22 Notification of nghts for Colorado consumers Notification of rights for Connecticut consumers Notification of nghts for Delaware consumers Notification of nghts for District of Columbia consumers Notification of nahts for Flonda consumers Notification of nahts for Georara consumers Notification of rights for Indiana consumers Notification of rights for Maryland consumers Notification of rights for Massachusetts consumers Notification of rights for Missouri consumers Notification of nahts for Montana consumers Notification of rights for Nevada consumers Notification of nahts for New Hampshire consumers Notification of rights for New Jersey consumers Notification of rights for New Mexico consumers Notification of nahts for New York consumers Notification of rights for North Carolina consumers Notification of rights for North Dakota consumers Notification of rights for Ohio consumers Notrfcation of rights for Oklahoma consumers Notification of rights for Rhode Island consumers Notification of rights for Tennessee consumers Notification of nahts for Texas consumers Notification of rights for Vermont consumers Notification of rights for Virginia consumers Notification of nghts for Washinaton consumers Notification of welts for West Virainra consumers Notification of rights for Wisconsin consumers kt)Expenan 2012 AO rights reserved Experian and the mark used herein are service marks or registered trademarks of Experian Other product and company Names mentioned herein may be the trademarks of their respects a o.'ners https:/ annualcreditreport. experian.comAnnual'reditReport'cac!FullReport.do I2:6/20I2 • • ATTACHMENT III 0<C o o 0 G) CD [D ( C N -+ N N W CO N N N N N N N Co CP 7 '0 c A N co co A A W "1�' M CD V) 1 N N N N ( 7 O O O O O J o C C C 0 ? 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CD CD CD CD In W 1 0 p mmcomm m n ° N o a c!) < � . < S < s D < < < < < < 0 C fn ON o 0 .Z co Co a3 CD co CD < co < ,, < CD CD CD CD CD CD - T1 2 a 2 m o... a) a o o m m I to 73 y sm m 0 v co Cn CD — 3 9 -0 to EA EA EA EA Eo Eo Eo EA EA EA EA Eo EA EA EA rig EA 69 D n S < - m O W cnu1C11 Wcn 01(7101 A 01cnCn010101 01 41. > v CO C11 000 o0o 01 000000 0 co D cn w 0000).)0 000 0 0 - 3 C) 0000 -4 o D00 0 000000 0 0 0 A N 0 0 0 0 N 0 0 O O 0 0 0 0 0 0 O 0 C - 1 m CO 0000ia0 0 0 0 0 0) 0 0 0 0 0 0 0 -< > 0 0 0 0- 0 0 0 0 0 o 0 0 o 0 o o 0 — = to 69 EA EA Eo EA EA Eo Eo EA EA EA to EA to 69 EA to to 0 C) m ^: O m N C co - -Zi N -, _ ((�� D N O W W 0) CA O -J 01 -< - 0 In O O N W In ig CO c 4O W 0 0 N i i i it io = a O O co O O O. (11 � Eo EA EA 69 E9 EA E0) 69 EA EA 69 EA EA 69 EA .Go E A E A EA 0 D p Ch CO CA N t. N W CA O 7 CD A CO O CO O o O O O 7 a -- O to Eo Ea Ea 69 EA 69 69 69 69 69. :.69 69 EA EA EA EA EA EA 71 c) U > A V 0) C O O O O O O O O O O O 7 En 69 to to to E EA EA EA 69 69. EA EA EA EA EA 64 69 69 _ O O O O O 0 o O O 0 . . , . . Ft to Eo EA 69 EA EA EA EA EA EA ' "EA 69 to to EA E9 EA EA -1 N 2 A J Cr 0) (T 0) -+ -+ a O) :' - 01 01 01 0) CO O 01 V CO 010 W 001 V -O0) (3 :0000)0 CO 0 J A 0 0 0 0 01 .. ..4 0) 0 C o 0 0 O CO CO C 0 O 0) 0 000 A C71 V 00 O. 000 COOCO O N O o 0 0 A 0 01 O O O O o O O o O O Ul 01 0 0 o O Q) O 0) 0 0 O 0 0 0 0 0 0 0 CO ' 0) 0 0 0 0 - 0 0 0 0 0 " 0 0 0 0 0 0 0 Cr Affidavit To Whom It May Concern: I hereby certify 1, Erica Poag, owner of 1759 NE bth St., Boynton Beach, FL 33435, will not receive any cash or cash equivalents as a result of the short sale transaction.1 also affirm that the transfer will not be to a relative Dated this t I day of December, 2012. X 1..L.Cf#. , C)., -6),), Erica D. Poag State of Flori¢��, / & County of �(1 The regoing instrument was sworn to and subscribed before me this ) 1 day of December, 2012 by Erica D. Poag who is personally known or [ ] has produced a driver's license as identifica 'on. 4 [Notary Seal] Not • 1 blic _., g Printed Name: 1 i ❖ t D0 831925 4[ • EXPIRES: , . U iidmown, " 4 ° ` Bondlid In Molar/ My Commission Ex l ` 2 !` IaoubleTlmee BOYNTON =BEACH I CRA BOARD MEETING OF: Decem 11, 2012 Consent Agenda X Old Business New Business Legal Executive Director's Report SUBJECT: Consideration of Request from Homebuyer Assistance Program (HAP) Grant Recipient Lauren Godden to accept the Terms of Short Sale Negotiations SUMMARY: On December 11, 2007, the CRA Board approved a Homebuyer Assistance Program (HAP) Grant in the amount of $50,000 to Lauren Godden for the purchase of her home located at 1819 NE 5 Street, #1503, in the Preserve and closed on her newly constructed home in March 2008. On November 1, 2012, CRA staff received an email from Ms. Godden requesting the opportunity to present the terms of her short sale proposal at the Agency's November 13, 2012 Board meeting (see Attachment I). At the November 13, 2012, the CRA Board granted tentative approval of the presented short sale terms and the request to accept repayment of $6,000 in HAP grant funds at closing. The CRA Board granted this tentative approval pending review of additional closing documentation to be submitted Ms. Godden which was received on December 10, 2012 (see Attachment II). Ms. Godden is currently in pre - foreclosure with her first mortgage lender. The conditions of the short sale offer being presented is as follows: Original Purchase Price: $239,990 Current Short Sale Offer: $80,000 Original First Mortgage: $181,000 Bank Accepted Repayment: $65,648 Original CRA 2nd Mortgage: $ 50,000 Proposed CRA Repayment: $ 6,000 ADDITIONAL BACKGROUND: In December 2006, the developers of The Preserve, Boynton Village, LLC, received approval from the CRA Board to enter into a Direct Incentive Funding Agreement (DIFA) for the creation of 50 affordable housing opportunities. Under the Second Amendment to the DIFA approved by the CRA Board on October 12, 2010, the Agreement was amended to allow at least 100 units be designated as Affordable Access Rental Units for households earning 60% of median income or Tess despite out spoken objections by HAP grant recipients and other Preserve residents at both the CRA and City Commission meetings. As a result of the nationwide Chinese Drywall epidemic, many of the units at the Preserve were built with the drywall and were subject to mitigation measures. HAP grant recipients occupied the majority of these affected units. In addition to the CRA's financial obligations to the developer set forth under the terms of the DIFA, the Agency has provided $945,000 in CRA HAP grant funding to nineteen (19) income eligible recipients for the purchase of these affordable units in the Preserve. Eleven of these grant recipients are in various stages of the foreclosure process (see Attachment III). FISCAL IMPACT: Recovery of $6,000 in Homeowner's Assistance Grant Program Funding. CRA PLAN, PROGRAM OR PROJECT: CRA Redevelopment Plan, Heart of Boynton Plan RECOMMENDATIONS /OPTIONS: Provide staff direction. f �/ Michel Simon, Development Director T:WGENDAS, CONSENT AGENDAS, MONTHLY REPORTS \Completed Agenda Item Request Forms by Meeting \FY 2012 - 2013 Board Meetings \Dec 2012 \HAP Godden reqst for short sale terms.doc ATTACHMENT I Meeting Minutes Community Redevelopment Agency Board Boynton Beach, Florida November 13, 2013 B. Consideration of Transfer of Properties located at 118 & 124 NW 10th Avenue to the City of Boynton Beach Motion Mr. Karageorge moved to approve. Mr. Holzman seconded the motion that unanimously passed. Mr. Karageorge also extended thanks to Assistant City Attorney David Tolces for his work on this item. XIV. New Business A. Consideration of Request from HAP Grant Recipients, Teasha & Kelly Thomas, to accept terms of short sale negotiation (Tabled 10/9/12) Motion Vice Chair McCray moved to remove. Mr. Karageorge seconded the motion that unanimously passed. Mike Simon, Development Director, explained this item was previously heard at the October meeting. The agenda item was from the Thomas's who received a grant to purchase a home in the Preserve under the Housing Assistance Program (HAP). They were requesting the Board accept the terms of a short sale which would net the CRA $5,000 — 10% of the $50K grant. Angelina Namia, Attorney, 210 Belmont Place at Boynton Beach, requested the item be tabled. Bank of America had not provided any additional information or any finalization of an approval. Therefore the dollar amount of any recapture was unknown. Motion Mr. Holzman moved to table. Mr. Buchanan seconded the motion that unanimously passed. B. Consideration of Request from HAP Grant Recipient, Erica Poag, to accept terms of short sale negotiation Mr. Simon explained this item was to consider a request by Erica Poag who purchased a home in the Preserve in 2007. She had received a HAP Grant from the Community Redevelopment Agency. Mr. Simon explained staff received an email on October 28, 2012, to present the terms of a short sale to the Board, but had no confirmation the Bank would accept the terms of the short sale. Part of the conundrum was there were Meeting Minutes Community Redevelopment Agency Board Boynton Beach, Florida November 13, 2013 no policies or procedures from the Board on the issue. He noted the Community Redevelopment Agency was in the second mortgage position. Mr. Holzman expressed it was unfair to the prior requestor, for the Board to consider the matter. Motion Mr. Holzman moved to table the item and request the same information as was requested in the prior agenda item. Mr. Buchanan requested clarification. Mr. Simon explained in prior cases, such as the Thomas's and other recipients, there was a mixed situation with the lender, purchaser and the Community Redevelopment Agency in that the Bank usually works with the buyer, seller and mortgage company to accept short sale terms. In this case, there was a third position and with the City and County, a fourth position. All parties had to agree to the terms of the short sale in order to enact it and a Bank would be hesitant to provide their acceptance of the terms if two other parties at the table have not provided direction on their position of the request. If the Community Redevelopment Agency provided direction, the Bank could move in an appropriate fashion. Attorney Namia pointed out that was not the case with all property owners and the Banks are the first mortgagees. Each request was in a different stage of a short sale. If the Board tabled the item because of the Thomas's request, it would not be fair. The Banks should make the decision first and then the homeowner would have to present all their information to the Board Mr. Karageorge noted each banking institution or mortgagor may have different policies. He thought it was important to be consistent and fair and noted there were various ramifications involved with housing issues. He proposed the Board be consistent in each case and hear each separately. The Board could ask similar questions of all parties based on the individual circumstances and stage of each request. Richard Carey, Attorney for the Poags, explained with their short sale, they have a contract on the property. They had been negotiating the short sale for a few months and the Broker Price Opinion (BPO) was completed. The Bank notified them what they would accept. In order to meet that requirement, there are certain funds and proceeds that could be allocated to all parties involved. With this request, the Community Redevelopment Agency would receive $6,000 towards the outstanding grant balance. Erica Poag, 1759 NE 6th Street, explained she had appeared before the Board two years ago, requesting the Board reconsider their decision to amend the Direct Incentive Meeting Minutes Community Redevelopment Agency Board Boynton Beach, Florida November 13, 2013 Finance Agreement (DIFA) allowing Comerstone to continue to receive a tax break to convert a homeowner community into a low- income rental community. She felt the Agency did not consider the families who already purchased homes in the community and how it would impact them when they approved the amendment. Ms. Ross arrived at 7:05 p.m. Ms. Poag explained she purchased her home for $239,900, including the $50,000 grant and the current value of the home was $87,000. She recognized the economy impacted the price of homes, but not nearly as much as the approval of the second DIFA amendment. She would never recover what she paid for the property and the short sale was her only option. She felt that as a result of the amendment, she now lives in a low - income community and was surrounded by unsavory characters, where drugs were sold and she wanted to be safe. She requested the Community Redevelopment Agency forgive or negotiate the low payback amount of the grant and that this time, the Agency make the right decision for the homeowners and not the developer. Ms. Poag, in response to questions, explained she was not yet ready to close, and she would need a letter from the Community Redevelopment Agency indicating what was acceptable to them so all parties would be on the same page. Mr. Holzman noted the process was difficult, but even with a letter the Bank could still reject the terms. If the Board agreed to the amount, percentage -wise, it would set a precedent for the community and any other real estate transactions the Board accepted in the future. Mr. Buchanan suggested the Board be realistic as the money was never coming back to the Community Redevelopment Agency just as it would not go back to the Bank. He felt it was in the best interest of the taxpayers to recoup whatever funds they could, when they could, and that they should approve short sales. Attorney Cherof agreed language could be added to the letter to protect the Board and facilitate the matter. A demand letter had been issued and the recipient was three payments behind in her mortgage. Lengthy discussion ensued regarding the changes that occur when affordable housing is added in or near workforce housing and Ms. Brooks explained the history of the DIFA agreements. Vice Chair McCray noted 29 individuals received SHIP funds totaling about $1.5 million and with HAP, City, County, and Florida Housing Finance funding, the amount was about $2 million. The Community Redevelopment Agency was losing money. Mr. Holzman inquired what documentation would be sufficient from the prior requestor. Attorney Cherof responded some type of commitment, proposal or guideline that would trigger approval of the transaction was needed. A document in the nature of a proposed closing statement that reflected not only what the Community Redevelopment Agency 0 Meeting Minutes Community Redevelopment Agency Board Boynton Beach, Florida November 13, 2013 would receive, but also what the property owner was obligated to do to be able to close on a short sale would be appropriate. In this instance, the seller would not be bringing any money to the table nor did Attorney Carey have any documentation from the lender indicating what steps needed to be taken. Most of his negotiation was done over the phone and it was difficult to obtain something in writing. Currently the lender would not issue an approval unless the other parties were in agreement, which was the same issue the Community Redevelopment Agency was concerned about. Attorney Cherof explained the Community Redevelopment Agency was in a different position than a traditional lender as the funds used in the transaction were public dollars so the Board had a higher level of accountability than a private lender would have, Mr. Holzman thought there was documentation missing from the first individual and it would be improper for the Board to accept the word of any individual without requesting the same information from each requestor. The sale would not fall through if the Board asked for the documentation and he was not compelled to agree to anything unless the Board had, at least, some type of a closing statement. Chair Hay thought the Agency should get something out of the investment and approve the short sale since the Agency would receive nothing if the property went to foreclosure. Attorney Cherof clarified there would be no difference if the Board approved the request with a contingency than if the Bank approved it conditionally. The end result would be the same. Further discussion followed some institutions did not care about second lien holder positions, but in some instances, the second lien holder holds all the leverage. Mr. Karageorge inquired if any leverage could be gained in this case as opposed to a normal second position with respect to negotiating with the principal mortgage holder. Attorney Cherof did not believe so. Mr. Holzman reiterated it was imprudent for the Board to move forward on the item without proper documentation. As to moving forward on a contingency basis, Attorney Cherof expressed the better practice would be to obtain the documentation so the Board had a record of what the transaction was. He also noted time was not working against the applicant as she was still in possession of the property, she was not making the payments, and no foreclosure was yet pending. It was unlikely a foreclosure would be filed and completed before the next meeting. The Board would then have the benefit of reviewing the pleadings. Attorney Carey explained documentation reflecting a proposed closing date and statement showing the fees could be provided prior to any approval, but he could not provide documentation as to whether the Bank would approve the short sale. He also opined the issue was time sensitive as the 2007 Mortgage Forgiveness Act would Meeting Minutes Community Redevelopment Agency Board Boynton Beach, Florida November 13, 2013 expire at the end of this year, and his client would like to close prior to the end of the year to avoid any tax liability. Attorney Carey agreed to provide the closing statement and email communications with the Bank prior to the next meeting. He also commented it would be helpful to have an approval letter with a contingency stating the Board would release the property for a named amount of money, even if it specified it would not vest until the next Board meeting. He did not think waiting until the next Board meeting was in the best interest of the homeowner. Mr. Holzman disagreed and thought it would be to everyone's benefit to set a precedent that the Board specifically required a proposed closing document indicating all the information and all of the backup. He also commented the homeowner came to the Board at the last minute and it was inappropriate to assert the Board was holding the matter up. Mr. Buchanan inquired if the Board had the documentation and they approved it with a contingency was any different than approving it with the same contingency now. Mr. Holzman thought there was a difference because if the documentation was provided, the Board would know what they were approving. Attorney Cherof suggested making a motion to tentatively grant the request, contingent upon obtaining supporting documentation that would be reviewed at the next Board meeting and approving or disapproving it then. In this manner, counsel could signal to the lender that the Board was prepared to make the transaction for the stated request and net $6,000 and if the paperwork supported that figure, it would and if not, it would not. Motion Mr. Buchanan so moved. Ms. Ross seconded the motion that passed 5 -1 (Vice Chair McCray dissenting.) C. Consideration of Request from HAP Grant Recipient, Lauren Godden, to accept terms of Short Sale negotiation Mr. Simon presented the request, which was the same as the prior agenda items. Ms. Godden received a $50,000 grant and closed on her home in December 2007 in the Preserve. The original purchase price was $239,999 and the current short sale offer was for $80,000. The first mortgage amount, at closing, was $181,000. Lauren Godden, 1819 NE 5th Street, explained she grew up in Palm Beach County. She purchased a home in the Preserve based on the Community Redevelopment Agency advertisement and the Agency's dedication to the development. Ms. Godden spoke about the DIFA amendment and the low- income housing issue which was 1 /t Meeting Minutes Community Redevelopment Agency Board Boynton Beach, Florida November 13, 2013 previously discussed. The residents hired an attorney to ask the Agency to reconsider the matter, which was denied. Since then, the neighborhood declined. Ms. Godden acknowledged the effect of the economy on housing, but noted she was a local prosecutor and she encountered situations where she was approached by defendants at the pool inquiring if she worked for the State's Attorney and then seeing the defendant in the courtroom. The situation has affected her personal safety. She was behind in her mortgage and was in the pre - foreclosure stage. Her loan was previously with Bank Atlantic which was converted to BB &T and she was fast tracked. Attorney Carey explained they were working with Bank Atlantic, but the servicer changed and time was of the essence. Ms. Godden was in an earlier stage as it pertained to what the Bank was willing to accept on this transaction. He acknowledged the Board's request for closing documents, statements and email communications as noted in the previous agenda requests and agreed to provide them within 30 days. Attorney Carey commented his firm seeks to obtain at least $8,500, but Banks often look to the federal guidelines which dictate a second lien holder is only entitled to 6 %. Currently, they did not have the exact amount BB &T was willing to accept, but hoped it would be for the $8,500 they requested. Attorney Cherof explained the previous motion would be acceptable to use for this request. Motion Mr. Buchanan so moved. Mr. Karageorge seconded the motion that passed 5 -1 (Vice Chair McCray dissenting.) Vice Chair McCray explained he did not support the motion because he did not have the documentation and he was not on the Board when the matter initially was addressed. Mr. Holzman suggested hearing from the first applicants from item 14 A, Teasha and Kelly Thomas, Attorney Namia, representing the Thomas's expressed her concern that the Board did not have enough facts to make a decision. She agreed with Mr. Holzman that any decision made without documentation would be egregious. She explained unless the Board had a preliminary HUD Statement and all the possible written documentation, nothing should be considered, including her client's case. She noted there were so many different contingencies associated with each letter that each case must be treated individually. Even though the Board might be setting a precedent by accepting a settlement, it did not mean that each case had to be settled for the same amount. She explained the Board did not know if each case would provide Meeting Minutes Community Redevelopment Agency Board Boynton Beach, Florida November 13, 2013 a Waiver of Deficiencies, which in some cases, allowed for the homeowner to have an incentive to move out, in the amount of $3,000 to $10,000. Attorney Namia explained in some cases, she has seen upward of $20,000, although not necessarily with these types of grants. She implored the Board not to make a decision without documentation and the process could not be rushed. Her client would also like to close before the end of the year. Her client was two months behind in her mortgage payments. She agreed the contingency language suggested by Attorney Cherof was appropriate, but without seeing something in writing, the Board should not provide something in writing back. She commented she has experience with at least 10 different lenders in the short sale arena. She was not in the real estate business. Attorney Cherof explained when the applicant initially appeared, they did not provide any documentation. Attorney Namia responded they did, it was just not in hard copy. Attorney Cherof clarified to the Chair that the Board relied on the representation made by the counsel that stepped to the microphone. The Board had not granted any final approval. The matter would return to the Board at its next meeting. All rights were reserved to the Community Redevelopment Agency Board at this point, and all the Board did was signal a willingness to engage in negotiations and to put something on the table so counsel could go back and structure a deal around. He saw no reason to reconsider the two prior motions. Attorney Namia agreed with Attorney Cherof's comments contingent on seeing the documents and making sure there was a move out incentive that could add to the benefit of the Community Redevelopment Agency. She favored the Board having additional contingencies as opposed to having only words. She thought language such as contingent on the borrower not receiving a move out incentive and the first mortgagee approving the final numbers would be helpful. After further discussion there was consensus not to reconsider the prior motions and to rely on the advice of Attorney Cherof. D. Consideration of Request from HAP Grant Recipients, Hector & Jennifer Lopez, to accept terms of short sale negotiation Mr. Simon presented the request and the applicant. Ms. Lopez explained they purchased the home in 2008 for $240,000 and received a $45,000 grant from the Community Redevelopment Agency. The home was now valued at $65,000 and they were in the foreclosure process trying to short sell. They vacated the dwelling based on the activities occurring in the community. Her immediate neighbors and those across from her were all renters and she was finding drugs on the ground. Individuals were speeding though the neighborhood and coming to her home looking for others at all hours of the night. Mr. Lopez was a firefighter who was not home at night while on shift, and she did not feel safe even with an alarm system. Her children could not play outside during the day due to the activities, so they vacated the premises. She A e1 , ,,,,...... eoyNT0N ,,,, RA CRA BOARD MEETING OF: November 13, 2012 1 Consent Agenda 1 1 Old Business 1 X New Business 1 1 Legal 1 1 Executive Director's Report SUBJECT: Consideration of Request from Homebuyer Assistance Program (HAP) Grant Recipient Lauren Godden to accept the Terms of Short Sale Negotiations SUMMARY: On December 11, 2007, the CRA Board approved a Homebuyer Assistance Program (HAP) Grant in the amount of $50,000 to Lauren Godden for the purchase of her home located at 1819 NE 5 Street, #1503, in the Preserve and closed on her newly constructed home in March 2008 (see Attachment I). On November 1, 2012, CRA staff received an email from Ms. Godden requesting the opportunity to present the terms of her short sale proposal at the Agency's November 13, 2012 Board meeting (see Attachment II). Ms. Godden is currently in mortgage pre- foreclosure with her first mortgage lender, The conditions of the short sale offer being presented is as follows: Original Purchase Price: $239,990 Current Short Sale Offer: $ 80,000 First Mortgage: $181,000 CRA 2 Mortgage: $ 50,000 ADDITIONAL BACKGROUND: In December 2006, the developers of The Preserve, Boynton Village, LLC, received approval from the CRA Board to enter into a Direct Incentive Funding Agreement (DIFA) for the creation of 50 affordable housing opportunities. Under the Second Amendment to the DIFA approved by the CRA Board on October 12, 2010, the Agreement was amended to allow at least 100 units be designated as Affordable Access Rental Units for households earning 60% of median income or less despite out spoken objections by HAP grant recipients and other Preserve residents at both the CRA and City Commission meetings (see Attachment III). As a result of the nationwide Chinese Drywall epidemic, many of the units at the Preserve were built with the drywall and were subject to mitigation measures. HAP grant recipients occupied the majority of these affected units. In addition to the CRA's financial obligations to the developer set forth under the terms of the DIFA, the Agency has provided $945,000 in CRA HAP grant funding to nineteen (19) income eligible recipients for the purchase of these affordable units in the Preserve. Eleven of these grant recipients are in various stages of the foreclosure process. FISCAL IMPACT: To be determined. CRA PLAN, PROGRAM OR PROJECT: CRA Redevelopment Plan, Heart of Boynton Plan RECOMMENDATIONS /OPTIONS: Provide staff direction. ii es.ze.,44.4„1 : 1_6e: Michael Simon, Development Director TAAGENDAS, CONSENT AGENDAS, MONTHLY REPORTS1Completed Agenda Item Request Forms by Meeting%FY 2012 - 2013 Board Page 1 of 2 Simon, Michael From: Lauren Godden [laurenegodden @hotmail.com] Sent: Friday, November 02, 2012 12:40 PM To: Simon, Michael; Richard Carey Subject: RE: November 13 Meeting Thank you, Mr. Simon, - My best contact number Is my cell phone, - I am currently employed. - The foreclosure/ short sale is a result of the allowance and installment of Section 8 Housing in my development. - An appraisal has not yet been conducted. Once it has, I will forward that information as soon as possible. - My attorney is Riichard Carey. His contact information is as follows: His mailing address Is 1711 Worthington Rd., Suite 107, West Palm Beach, FL 33404.. His telephone is (561) 247 -1266. His fax is ( 561) 282 -3401. His email is Richard@rcareyiaw.com. I have also added him to this email. I am not sure the exact amount of the grant I am asking the CRA to accept as part of the short sale. I will supplement that information as soon as I speak with my attorney. Thank you, Lauren Godden Subject: RE: November 13 Meeting Date: Thu, 1 Nov 2012 17:23:06 -0400 From: SimonM @bbfl.us To: Iaurenegodden @hotmail.com Thank you Ms. Godden. Can you please provide me with the following information: • A contact number to reach you. • Are you currently employed? • Is the foredosure a result of illness, loss of employment, etc. • Is there an appraisal and can you provide me a copy. • What amount of the grant, if any, are yoil asking the CRA to accept or waive as part of the short sale. • Your attomev's contact information. The questions listed above are those asked by the CRA Board of previous HAP grant recipients and I'd like to have those addressed in my agenda write -up. Re.pecijid/y, Michael Simon Page 2 of Development Director Boynton Beach CRA 710 N. Federal Highway Boynton Beath, FL 33435 Off 561- 737 -3256 ext. 206 Fax: 561- 737 -3258 simonm(albl. us From: Lauren Godden [ mailto:laurenegodden @hotmalcoml Sent: Thursday, November 01, 2012 4:34 PM To: Simon, Michael Subject: November 13 Meeting Mr. Simon, Ms. Poag forwarded the email about adding both of us to the agenda for the November 13 CRA Meeting. I am including the information that was requested Here is the information pertaining to my situation. - Current value of my home - $65,000 - Current outstanding mortgage with BBT (formerly Bank Atlantic) - $181,000 - Offer - $80,000 (cash buyer) - Currently in pre- foreclosure stage - Represented by Richard Carey, Esq. Please let me know that you received this. Also, please let me know if there is any additional information or materials needed. Thanks, Lauren Godden 1819 NE 5th St., Boynton Beach, FL 33435 Cell (561) 414 -5739 ATTACHMENT II 6 cidch //e/9 5 +17 </--. Hardship letter(s) and supplemental communications submitted by property owner to lender v� w /supporting documents. Reply letter(s) from Lender - p may / 74-0 a d€ ✓ "� Name, affiliation, address, and phone number of all individuals and designated representatives of ✓r` interested parties working on short sale Lender's short sale requirements or conditions ✓ Mortgage default letter, if any ✓ If property in foreclosure -copy of complaint and responsive pleading N/A Letter that lender will willi g to accept less than 100% on the dollar to allow short sale to occur 4•""*. DrreSp4n rnAi frGv» /e cfev List of other real property in which applicant has a legal or equitable interest AIM Purchase and Sale contract signed by bona fide purchaser- contact info for purchaser ►� Preliminary HUD -1 settlement statement showing fees to short sale facilitators, attorney, closing agents, real estate agent of brokers. Final HUD -1 is subject to be provided to and subject to CRA approval before closing. Affidavit from owner that owner will not receive and cash or cash equivalents from transaction and that transfer will not be to a relative Statement of owner identifying anticipated relocation address following short sale ✓- Personal tax returns for the past 2 years -ss# redacted iV✓ Current pay stubs for the past month -ss# dedacted ✓ / Bank statements for last 2 months (all pages) all but last 3 numbers of account # redacted and ss# ✓ redacted Copy of Driver's License (front and back) ✓ Credit report (Experian, Equifax, and TransUnion)- no older than 45 days 8/28/12 Bank Atlantic Attention: Loss Mitigation Department Re: Property Address: 1819 NE 5 Street, Boynton Beach, FL 33435 Loan Number 15026503 Dear Sir/ Madam: Please accept this request to have you review my financial situation to see if I could qualify for a short sale on my current home. When I purchased my home, I had great hopes of owning this home for a long time. I also looked forward to the growth and development of the neighborhood. However, the neighborhood in which I own my home has converted the development from a home ownership community to a rental community, with a focus on federally subsidized housing. This has created an environment where I will no longer be living among fellow home owners, but rather renters. In my situation, in addition to the standard decline of the value of my home based on the economy, there has been an additional decline based on this change to the development. Unfortunately, my home is no longer a place in which I can see myself living happily and securely; it is also no longer a place in which I could see myself raising a family. Thank you in advance for your assistance and consideration in the matter. Sincerely, 1‘4/1(//1— Lauren Godden Lauren Godden Monthly Expenses - Car Loan $225 biweekly; Most months $450; some months $775. - Car insurance $140 monthly - Student Loan $375 monthly - CeII phone bill $102 monthly - Multiple credit card payments $600 monthly - Utilities $150 (ranges by season, last bill was $141.64 for August) - Cable $147 monthly - Internet $50 monthly - Security system $41 monthly - Home phone $67 monthly - Gas $200 monthly estimate - Groceries $200 monthly estimate - Medical $25 monthly - Dry cleaning $50 monthly estimate Approximate Total of Monthly Expenses = $2,597 to $2,822 Godden/ 1819 NE 5 Street, Boynton Beach, 33435 Individuals and representatives involved in the short sale Lauren Godden (owner /seller): 1819 NE 5 Street, Boynton Beach, FL 33435; (561) 414 -5739; laurenegodden @hotmail.com Barbara Nola (real estate agent for seller Godden): Noble Realty and Investments, 12794 Forest Hill Blvd., Suite 34, West Palm Beach, FL 33414 (561) 309- 3524; Fax— (561) 793 -5120; email - bnola2001 @yahoo.com Richard Carey (attorney representing seller Godden): 1711 Worthington Rd., Suite 107, West Palm Beach, FL 33409; Phone - (561) 247 -1266; Fax- (561) 282- 3401; email — Richard @rcareylaw.com Hampartzoum Sahaguian (purchaser) 7107 Route TransCanadienne Suite 423 St. Laurent, QC Canada H4t -1A2 Emy Delmonaco (real estate agent for purchaser): The Rucco Group, RE /Max Advantage Plus, 7410 Boynton Beach Blvd., Suite Al, Boynton Beach, FL 33437; (561) 543 -1575; (561) 623- 6220. BB &T (Lender) Caitlin Hodgson, Liquidation Relationship Manager, 301 College St., Greenville, SC 29601; phone (864) 242 -8406; Fax- (252) 293 -9255; email chodgson @bbandt_com Owner's anticipated relocation: I am still determining my relocation. I will be residing temporarily with my parents at 3573 Lakeview Blvd., Delray Beach, FL 33445 until I am able to secure an apartment. R ust of Documents to be Submitted for review of Short Salt 1. Third party authorization (if you wiN be represented by another party) 2. Listing agreement 3. Sales contract 4. Preliminary HUD 5. First lender's approval (if applicable) 6. Seller's documents a. Hardship letter b. Pay stubs (two most recent months) c, Bank statements (two most recent months)) d. Tax returns (two most recent years) e. List of monthly expenses • • • "AS iS" Residential Contract For Sale And Purchase , i > .. F��' a 4: Realtors- THIS FORM HAS BEEN APPROVED BY THE FLORIDA REAL TORS AND THE FLORIDA BAR - t ✓ PARTIES: LikulLEt.3 Go e!i3 , , �, ✓ and 4!_ ? a ka :. i ..- t a. iw Buyer 3 agree that Seiler shall sell and Buyer shaft buy the foilowing described Real Property and Personal s Property (collectively "Property") pursuant to the terms and cottons of this AS 1S Residential Contract For Sale s And Purchase and any riders and addenda (`Contract"}: s 1. PROPERTY DESCRIPTION: ✓ (a) Street address, city, zip: : • NE Si' i t1Ei ..T Also• ' 14 0 !# t F i_. 3k3S 3• (b) Property is located it ' `A ,County, Florida. Real Ai:petty Tax ID Notig431451.5 150- ✓ (c) Legal description of the Real • o s -. : 10` j ' ,. ► AT 1,.A ACH 15 Cc/4SW ut iT )5c) ri together vvlth all existing Improvements and fixtures, including bu9t4n appliances, 'i =in furnishings and is attached wall -to -wall carpeting and flooring ("Real Property") unless specifically excluded below. 13 (d) Personal Property: The following items owned by Seller and existing on the Property as of the date 14 of the initial offer are included in the purchase ("Personal Property"): (1) range(s)/oven(s), dishwasher(s), 15 disposal, ceiling fan(s), intercom, light flues, rods, draperies and other window treatments, garage door is openers, and security gate and other access devices; and (11) those additional items checked below. if it additional details are necessary, specify below. If left blank, the ftem below is not included: Refrigerators) Smoke deter tors) 0 Pool barrier/fence Storage shed Mcrowave oven Security system Pool equipment TV antenna/satelfite dish Washer Window/wall a/c Pool heater Water softener/purifier Dryer ❑ Generator Spa or hot tub with heater ® Storm shutters and 0 Stand -alone ice maker Above ground pool panels is The only other items of Personal Property included in this purchase, and any additional details regarding 9 Personal Property, if necessary, are: , h Personal Property is included in the Purchase Price, has no contributory value, and shall be left for the Buyer. 2. (e) The following items are excluded from the purchase: t,�j�"i1 8OAoo o• a• 2. PURCHASE PRICE (U.S. currency)' $ 7 s• (a) lnfiat deposit to be held In escrow in the amount of (checks subject to COLLECTION) $ Sr Coo a The initial deposit made payable and delivered to `Escrow Agent" named below T (CHECK ONE) :❑ accompanies offer or ❑ Is to be made upon acceptance (Effective Date) s• or je Is to be mad' within 2 (if blank. then 3) days after Effective Date sr Escrow Agent Information: Narita :f clr _ fl1 toe:PWS o• Addressr1414 t:W WO At $ i z 4%b Phone: 101 131 O Fax: ✓ (b) Additional deposit to be delivered to Esc ow Agent within (ff blank, .then 3) $ 3' days after Effective Date 4 (All deposits paid or agreed to be paid, are colteCtively referred to as the "Deposit") Li* (c) Financing: Express as a dollar amount or percentage ("Loan Amount') see Paragraph 8 ......... 4 y, s• (d) Other: .$ t ,.,�"' 7 (e) Balance to close (not including Buyer's closing costs, prepatds and prorations) by wire a C34 ✓ transfer or other COLLECTED funds B NOTE: For the definition of "COLLECTION" or "COLLECTED" see STANDARDS. o 3. TIME FOR ACCEPTANCE OF OFFER AND COUNTER - OFFERS; EFF'ECTI'VE DATE: ✓ (a) If not signed by Buyer and Seller, and an executed copy delivered to all parties on or before ✓ this offer shall be deemed wHIrdrawn and the Deposit, If any, will be returned to Buyer. 3 Unless otherwise stated, time for acceptance of any counter-offers shall be within 2 days after the day the 4 counter-offer is delivered. s (b) The effective date of this Contract will be the date when the last one of the Buyer and Seller has signed or 6 initialed this offer or final counter -offer ("Effective. Date "). r 4. CLOSING DATE: Unless modified by other provisions of this Contract, the closing o tthsttransaction shalt occur e and the closing documents required to be furnished by each party pursuant to ✓ ( "Closing") on Slfggjtli lA rCloskig . Date"), at the time established b the Closing Agent S �} -rsil c.f "WW4 fit_ , ,... ....+.. t..:M'..1� rt... 4 .,4 4" o...,*.._ I..:4 :mot.. co 6. EXTENSION OF CLOSING DATE: n (a) If Ckrrektg fonds from Buyer's lenders) are not avallatde at time of Closing due to Truth in Leung Act MLA) 52 nine requirements. Closing shy be extended for such period necessary to aelisfy TEA notice requirements, ro not to exceed 7 days. Si (b) If extreme weather or other oondition or event constkang 'Force Rigours' (see STAN 0) causes: ss (I) demon of &Wes or other eetiekes essential for Maim or (if) Hazard, Wind, Flood or Horneowrters' m Insurarro®, to become wit le Odor to Cbe$atg, Closing will be &derided a reaeonabie thee op to 3 days sr after reamers" of trines and other•ssrvtces aril to Cbsitg, and avallebny of *likable Hazard, iiVind, . • sit Road or Homeowners' insurance. B radoraboni of such uates or services end avallataty of irieurarxre tree not we occurred wllhln _.___ (If left blank 14) louse taster Closing Date, then eater party mere tenants ads DO Contract by clattering wren notice to the other party, and Buyer stain be refunded the Depot, thereby 51 releasing Buyerand Baer Treat further °Wayne under this pont:mt. 52 6. OCCUPANCY AND POSSESSION: Unless otherwise stated shall at Cbsfrt i, have removed a as personal Items and trash from the Property and shell deliver occupancy and per• eking vrbb all et game door aware, w eaa d and codes, se applicebie, to Bayer. If Properly Is blended M be rented or es ocoupled beyond Mang, , the tact and hirsute thereof and the twangs) or occupants shall be disctosed purses nt e a to STANDARD D. flocoupairay is to bs d e l t v a a d b e f o r e Cloaks& B u y e r assumes a i l lister of loss to Property from ar dab of occupancy, y, si al be temper 10 and ate fOr Maletenence tom than rye, aril trail be damned to have ae accepted Property ti s rocisdng condition &soft reeoftilting er 7. ASSIG LfrY: (CHECK ONE) Buyer a may assign and be released tram tar further Beatty 70. under this Contract; a may assign but rtot.be released from nabmty under this Contract or ® may not assign 71 this Contract 72 FINANCING A a. i NG : There to no financing • ig (a) Buyer vii pay cash or may obtain a loan for the purchase of the Property a; contingency to > obligation to close. a written loan cairn t bra 13 oonrentioraih ❑FHA m- Q (b) This Contract is contingent upon Buyer obtaining w II VA ban on the Mowing home vd9eb biers then d set Date MOW 7r Commitment Daisy) for (CHECK : D adjustable„ 01 fixed or adjustable rate roan In 9b of the Purchase Price, at an later interest rate sr not to amount ofd % (if bruit, then prevaNng rate based upon Buyer's ), and for a ar term 01 years' • sr Buyer wit make mortgage loan application for the Financing within _ (If Maroc, then 5) days after ea Effective Date and tree good faith arid tpintbtt to obtakr a written loan ant forths Finandng ac (`Loan Cornra tent1 and dose this Corded. elver shad keep Sailer and Broker folly kdonned about es the status of mortgage loan application and Loan Comramerrtand authorizes thippes mortgage brokerand es Buyer's t enderto dledose shish statue end progress to Vi and Broker. a If Buyer does not receive Loan Contridiment, then Buyer may terminate this Calked by dell btg written r native to Seller, end the Deposit shall be refunded to Buyer, thereby releasing Buyer and Seiler tuts aq as further obligations under this Contract. m If Buyer does notdasiver written rtotce to Seim of receipt of Loan Consdknent or Bayer's written valuer of w It 1Fctanchg contingency. then truer Loan Date Seiler may betro a this C ONTIVIt by a from all p t tretar o l a .B as an this Id the un be re did to Buyer, thereby releasing Buyer and 54 If Bum de6+n m written Helios of ►act of Loan Carr art to Sailer and this COMA does not as thereafter doss, the Deposit shed be paint to saw caress fame to curse is de. m: (1) Seller's default; w (2) Property related conditions of ttte Loan Consrelment bocce not been met (except when suds conditions w are waived by other provisions Wilds Contra ; (3) appraisal of the Property obtained by > is se insufficked to meet terms of the Loan Conunihrnent or (4) the loan Is not funded des to financial failure of ea Buyer's lender, In which event(s) the Depo &her, be returned to Buyer, thereby releasing Buyer and Seller 100 from al further obligations under Ns Contract. tar ❑ (o) Assumption or wising noncom (see rider for ttutrrs). \1 1(12' 0 (4) Mochas money note and mortgage to Seller Mee riders; addenda; or *pedal dames f or teems). au a trwals S H Pe 2 of 10 Semis initials +7d� _ 1 Rev. 5'l Do MOFaffls Realbas®'I n Ftodda Ai rs isPmensd I frames i tee CLOSING G011711, FiEB AND GNARRES too 9_ CLOSING COST* TnLEINSURANCft $IM EY; HOME WARRANTY; SP6cIAL Af68E NTh ler (a) COSTS TO IM PAID BY ULM • Docurnembeyetemptaxesandourtax andeed, dart • HONCordamkllum Association estoppel fees • OarRar's Pour and Charges (*Paragraph $(c)(1) b • Reading and other fees needed to cure Ida • Tine seen* changes {N Paragraph Is dam) • Were attorney. fees • Other: 166 If, prior lo Closing, Satter Is arable to meet the AS IS Pilot .Brae fit as tenured by Paragraph 1 im a sum equal to 125% of end cost to sheet the AS 18 Makiterience ReaWracnnert shell be escrowed ran to Closing. If actual ousts to meet the AEI IS Mahnteaance Requirement exceed astnewed am * Seiler she tar pay such actual cosine. Any unused portion of eecrvwed wawa sly be relined to Sir tir (b) COSTS TO BE PAID BY NOM • Taxes and recording fees on rates and mortgages • Lase expenses • Rao:sting lees for deed and financing Stotements • Appealed fees • Owner`s Pdioy and Charges (If Paragraph 9(t Is checked) • Buyer's Inspections • Survey (andelevatiarn cmtMcatbn, if required) • Buyers attorney$' fees • Lander% Mkt perky end endorsements • All property related ineursrnoe • HOAICandornirdurn Association epprdh ' fees • Other: ) TITL d blan then 5y. daye ptic Clos 11r (C) TITLE EYi�f4E MD INSURANCE: At kart ____Ii to t)ete, a elite. 112 insurance commitment issued by a Florida lamed Mb Instser, wilt legible copies of hielmme is listed as in exceptions attached thereto ('title Commitment') and, after Closing, an owner's policy of title lama= (wee 114 STANDARD A for terms) shell be obtained and delivered to Buyer. if Seller has an owners pa eta insurance coveting the Real Property, a copy sera be lumb hed to Buyer end Cawing AgentwithIn 6 , 6d sear* 114 Effective Data The owner's time potter premium and dramas for owners perky 117 and closing services (milady, 'Owner's Ply and Charges" shell be paid, as set forth below 111 MISCH 0,14 and pay Ibr Owner's Polley and Charges (bid Ira t19• (� Salon will designate Closing Agent kroluding charges 13a for closing services related to Buyer's lender's policy and endorsements and loan dosing, which eremite izi shall be paid by 8uyerto Closing Agentrr such other provider(r)we Buyer tweeted); or trs• C1 (p) Buyer will deelgrratte Closing Agent end pay for Owneh's Policy and Chew and Charges for domino us services related Is Buyer'wiendst'a: poky, endOY$ meats, and loss dosing; or 124• C7 PO .01nAMHDADMBROWARD RINSIOMfi1L 3 der wM fumbh a copy of a prior owner's policy 125 ' atlas prance or other evident of We and pay fees for: (A) a eanllou Lion or updamtie of such We evidence, dr which Is acceptable to Buyers Rte insurance underwriter for Jetsam of ; nr B) fax h > 127 ow p a rs sri , a d e t a pplilicabl , Bu e's �lenders shad not be obligated to pay mom than 1sr i ( koaes 1a oWe pabgr. rse K ef>oble„ )fox11 Mark, 1:200.00) for abstractcon9medivn or hefts search ordered or performed by Closing Sao Aga Crave the tad Pn7pe ti► afarveyed 131 (d)SURVEY At nest 5 days prior to Closing, Buyer may, at Bayer's ' in and corned by a legieiered Florida ruin's )• If Seiler has a sunray covertly the Reel Property, a 113 copy shall be tuadahed to Buyer and Closing Amid iditin 5 des altar Effects. Date. by tar (e) HOME WARRANTY: Al tom, Q Mk at ® cost rrot iQ a e t home plan .Ate b y 133' for r or of Maw/ ai a troves rrr anicai systems and mid bultdn has warranty glen polies rte�l 113T S1p l . In Ste event of bre akdown due to normal weer and sear dining time s a'o pd• At Cbs1rB. Sear will Pay: (I) the toll areotsd of tens linhposed by a pdblic body lac CBtlbfe body does~ not includes Condominium or Harteowseet Annelidan) tat see cerf39ed, contnned and 1,o NOW below lg; end (II) the amount of the prate bode mast recent estimate. or amassment for an 141 improvement vddc h is subetantadly complete as tat Effedlwe Me, but that has not Me r esueed y 142 knpoted on e Property before dosing IAN . Buyer pay other aesessm�• special 146 be paid In ter (OREM a: 1 due OW ® (a) Sinter aka pay e der pr to and Bayer WWI pay p us Mehl* 'frretatt rents prepaid ar die for theme year of Obelus std be' P - 14r 0 (b) SsRars paytip Into pidertooralaiSan.et Closing• err F minim BOX18 casztou, 'F1P1 anemia' MAU ea a ,., mp,IMECTED�. . ,.,�, 14a (CD fl) Chapter lrr F.S. .S. � i ch ell treated as a va n Y unnan" to 1A (CD �SCtatrt GAap 1eo STAND RO TC. l df b `� f `! 'ate 3 d 1 Cl SeMrr's Irdeab ____ _ -.-- - i 1 new Etta C 1O Plaids R..eoam and 7bsRardi Sir, Ai ,tpfib maerYed t fnrmamltatnlir:ity tat DISCLOSURES 1a: 10. DISCLOSURES: 1a: (M RADON GA& Radom Is a naturally occurring radioactive gas that, when It le aca:nrulated in a building in MI selikient wangles, may present heelm rises to persona who are exposed to it over fine. Levels of radon that los mooed federal and abate guidelines have been found In bultdings in Ronda. AddMonal bnfennation repealing tae radar slid raft testing be obtained ton yours health dapafirnent 1st (b) P (b) MID= C Esocept may ls a been disclosed ttyllaSsrto Burris a entlien . 1te Seder does not know at any tennoVernersti wade to the Property which ware made telthout required too wafts or aside putetnratt In pantiles thuds have not been property closed. ISO (c) MOM Mold Is naturdly occunt erg and nt w tasa health Mike or damage to properly. If Buyer Is concerned or sot desires I hrkbrmiNen regarding mold, Buyer should contact an apprvpdats pr net, la¢ (d) FLOOD ZONft ELEVATION ca TION: Buyer is advised to verily by elevation cesekete wNcih flood lea zone the Property b in„ whether flood higtilliiiCe is required by Buyer's lender, and wbat restrictions apply to 164 improving the Property and rebuilding In the event of caasally. If Property 18 In a 'Specie] Rood Hazard Mee 1es or 'Coastal High turd Aiea' and finished floor elevation la below nihknum flood elevation, Buyer may for terminate This Contract by delivering written notice to Beier within 20 days after Effective Date, failing which 167 Buyer accepts misting elevation of buildirigss wed food way designation of Properly. iea (e) ENERGY BROCHUM Buyer acknowledges receipt of Florida Energy-T cy Ong information Broc far required by Station 553.996, F.S. 170 (1) LEAD -BABEV PAINT: if Prcpe'rty Includes pre -11178 resider:Us! housing, a lead -based paint rider is m mandatory. 172 (g)HOMEONNNERS' NIMUMIYY DISCLOSURE: BUYER SHOULD NOT EXECUTE THIS rre CONTRACT UNTIL suyER HAS RECEIVED AND READ THE HOMEOWNERS' 174 ASSOCIATION/COMMUNITY DCL IF APPLICABLE. 173 (h) PROPERTY TAX DEfCLO8URE SUMIMUITI BUYER SHOULD NOT RELY ON THE SELLER'S CURRENT 175 PROPERTY TAXES AS TIE AMOUNT OF PROPER TAXES THAT THE 8lft ( MAY BE OBLIGATED 177 TO PAY IN THE YEAR SUBSEQUENT TO PURCHASE. A CHANGE OF OVVNERSHIP OR PROPERTY rre IMPROVEMENTS TRIG REASSESSMENTS OF THE PROPERTY Tt1ATCOU D RESULT IN HIGHER 170 PROPERTY TAXES. iF YOU HAVE ANY QUESTIONS COTICERNING VALUATION, CONTACT THE 103 COUNTY PROPERTY APPRAISER'S OFFICE FOR iNFORIWITON. 1x1 (I) TAX WITHHOLDING: if Seiler 1a a `foreign person* sidelined by the Forman in estment in Real Pape coax 162 Ad ("IRPTA ", Buyer and Stiller Mil comply with FIRPTA, which require tre additional 153 at Closing. for Q) t3I=LLER DISCLOSURE: Seiler known of no facts materfa !y Meeting the value of the Real Prapertywhfch we 1E5 not ready observable and 'which have not been disclosed to Borer. Sceptres dated In the praying sentence Ise or otherwise dIsdosed in writing: (1) Seiler hes received no written or vet notice from any governmental 157 entity or agency as to a carrantiy uncorrected betiding, envtrvnrrmervel or safety code violet= and (2) sever leis extends and •Wands novena* and makes no representation of any type, either express or hated, as to the fro physkwl error history of Properly. 190 PROPERTY imurn NA I10E, CONDRION, INSPECTIONS AND EXAMINATIONS lei 11. PROPHTIY IIVIIN1EeaANCE: Except for ordinary we and baler and Casualty Loss, Seiler shell maintain the In Property. Including, but not Imbed t0, lawn, ehnrbbery, and pool, In the condtiion mdsting as of Effective Date no ("A8 IS linintenance Regufir. 1¢■ 12. PROPERTY IFISPECTIOSt RJGHI T° CANCEL: tar (a) PROPERTY INSPECTIONS AND RIGHT TO CANCEL- Bayer shell bare — 7..(1f blank 15) den from toe Ethical Data ("hfspectlan Parker) sitige which to have each Inspections of the Property performed 197 as Boyerahafl deelfre, daring the htspecltn Pedal 1f Buyer diefannhres, in Bay+er'swobs discneeiarn, that for Me Proper" is not acceptable taBuysr,Baysrmay temensie this Contract bydellua ogmf0enoodge um of such alecdon to Seller pirlor to of in psceor7 Period if Boyer timely terarinates bleb am Cturtra4 the Deposit paid shall be larma Bialy returned to Buyer, therrns2on, Buyer end Seiler shall 2M be released of el! further Wigwams; tinder ureic Contact; however, Bayer at be ,Mponslile for ars prompt payment fOr such buspections, for repair of damage to, and senterstion of, the Properly sat resulanQ from such ins and shag provide Saner with pastiof reset rte for iA weir* done on the aw Property preceding provision shell strobe tannlnadbn of tt s Content* Unless Bayer exercises 205 the rht tit teribblig, gent howelob Beyer accepts the physical condition of fix Mope* and any zoo vfobtfon Egoveramentel, building, envbonmenfid, se* codes, tattrictibes, or nmprimments, but zrt lull set fro Seller's contimengAS 1S Maintenance Requirement, and aspirating be req onsib s for any V s and all repaint aid Improvements required by 's lsndr. . 8Uyar'a with* ` . N Page 4 Of 10 seer's Melo � = `'% 4 rASISA Rev. eric C2oin Froride Restatileirrid The Rinds Be: AN dated teswd. It. frwrnsimnbieity I zoo (b) WALK-THROUGH UGH II ECfiONIRSIN8PECT1ON: On the day Marto Cberhg Date, or on dosing sate odor sno to time of Closiig, as apecbed by Buyer, Buyer ar Buyers arpresentatter may perbmh a welt - though (avid 211 bAaswp * W4hrzeigh, ft nee Inspection of the Property safely to acv &u. that Ed Items of Personal 212 Property are on the Properly and to verify area Seger hes msiWipad the Property as worked by the AS IS 214 (o) SELLER ASSISTANCE AND COOP ATI011 CI UT s E OF BUILDING PERMS: if Buyer's 215 tyispecdoth of the Property Identities open or needed bu*ding pendis, titan &Der shag promptly dells to 21B Buyer alt plane, Wilton documenhdiem or other Information in Sallies posssedbn, loraviedge, or oontivt 217 rdilElO to improvements to the Property which are the subject of suds open or needed Permits, end slag zee promptly ooupende in good fad with 8trysr's efforts to obtain estimates of repots or filar toxic !raceway to 210 resolve such Permit issues. Seller's obligation to cooperate shag include Seller's exmavtfen of necessary 222 autiorita& ns, connate, or other documents necessary for Buyer to conduct Inspections and have esthrwiee 2za of such repairs or work piepaaed, but in Tuning such obligation. Seger shall not be required to emend, or 222 become obligated toe end, any money. sett (d)ASSIGNIBENT OF REPAIR AND TREATIfENT CONTRACTS AND WARRANTEE: At Buyees option ono 224 tart, Seger writ, at Coming, assign el assignable repair, treatment and maintenancce contracts and warrardles 226 to Buyer: 2u ESCROW AGENT AND BROKER or 13. ERIN /t NW: My Closing Agent or tocrahv Agent (collectively Agent) !soaking the Deport& other fund ore and other items is authorized, and woes by acceptance of Mem, to dept them pub, hold same in escrow ear within the Sfaate of Plaids and, subject to COLLECTION, disburse them in accordance web terms and oonStIons Z52 of this Contract Failure of funds to beoorne COLLECTED shell not excuse Buyer's performance. When contacting an demands for the Deposit ere received, or Agent has a good faith doubt ore to ertittkinent to U DepoeL Agent 232 may take such actions permitted by this Paragraph 13, as Agent deems advisable. N h doubt es to Agent's doges to or llabiipisa under this Cordial, Agent may, at Agents spoon, continue to hold the subject matter of the escrow a• until the parties agree to He disbursement or until a final judgment of a court of competent Jurisdiction shag tors de1erMine the rights of the parties, or Agent may deposit earns wit the clerk of the circuit court having jurisdiction see of the dispute. An attorney who resounds a party and also acts es Agent may represent such party In such rim action. Upon noefying di patties concerned of such cation, an habltltr on the pert of Agent shall fb terminate, ea except to the Went of acooe2r6ng far any Rena previously delivered out of esc rouv. if • licensed real estate 2$0 broker, Agent will comply with provi bne of Chapter 475, F.S., as amended and FREC rules to ern* resolve ma escrow disputes through medbtlon, arbitration, Mrterpleadef or an escrow disbursement order. e., Any proceeding between Buyer and Seiler 'dentin Agent is made a party because of ecgag as Agent hereunder, ors or in any proceeding where Agent tlterpleacts the subject matter of the escrow, Agent shed recover rhaaeonable are attorney's fee's end oasts avowed, to be paid pursuant to court order out of the escrowed funds or equivalent 244 gent snag not be table to arty per or parson for nds deivery of my esaroei+ed Items, Wise such rrda- deikary is are due to Agent's wtlfui breech of fie Cordraot or Agent's greys negligence. This Paragraph 13 stall survive Closing re or ferrrdnslton of this Contact MT 14. PROFESSIONAL ADVICE; BROKER LIABILiTY: Broker advises Buyer and Seger to verfy Property candldon, a +re square footage, and ail other facts and representagons made pursuant to this Contras and to consult appropriate au prttlesebna1 far legal, .bete, erwkvrtmental, end other specialized advice concerning mate affecting the Property see and the transaction contemplated by this Contract. Stoker represents to Buyer ghat Endow does not reside an the m, Property and that all representations (ored, written or otherwise) by Broker are bowl on Sager nept!esaeMWons or m public recDrde. BUYER AGRiW6 TO WRY SOLELY ON SELLEt, PROFESSIONAL INSPECIORS AND ere, cove NM e�TrAL AGENCIES FOR VERWIDATION OF PROPERTY coriglfON, SQUARE PODTAINIE AND :u FACTS THAT MATERIILLY AFFECT PROPERTY VALUE AND NOT ON THE REPRESENTATIONS fORAL, 28e WRITTEN OR OTKETWRSE) OF BROKER. Buyer and Seller (bndlvidively, the 'indemnifying Party") each sae individually inderrrrtih�ies, holds harmless, and releases &ear and Broker's OffiC0111, director% amens and tsar employees kom sb hablgty for lose or damage, including haft costs and a ipansea, and and b connection Tess zest at en Mete, aedlersed or Incurred by Bider end Broker's t>tQoem, directors, amine employees tea v4t h or ash from aims, demands or causes of aogon fna$luted by Buyer or Seger bleed on: (1) bmcaaecy of 200 Inforrnaon provided by the InAenrdlyAng Party or from public records; (I) indwell/km Piety's rrttemaltte) or an tenure to perlbnn contractual obligations, (D Broker's performance, at InderhhrhifyIng Para* reseed, a any task au beyond the scope of services reguiated by ample 475, F.S., ea emended, including Ebaker''s referral, or recommendation or retention of any venter for, or on beheld of, Indani fying Patty (Iv) produde or services 254 provided by any such vendor for, or on betel of, Indemnifying Party; and (v) expenses incurred by any such as vendor: Buyer end Sell' each assumes MI nopondbily for shb*thrg and ooloPoolidgg emit sae and paying their other caste under lids Cotauard.vdnther or not tills tr rasofiara doses. This Paaygreph 14 will not sew relieve (baker of statutory obligations under Cheater 475, F.S., as emended. For pareams of He PrewarPh 14, u3hryer's irh4tsle pa�s a>t 1q saul.r'r: lame 2_V j� `�- - nets -1 Rim enn 3Sfb r;oad. Reieo<ne end Thu Rodde Bar. AS ishannunot Os *tunseimnHkdry ass Broker wig be treaded B8 a party to this Contract This Paragraph 14 shall survive Closing or termination of this as Contract. vs DEFAULT AND DISPUTE RaSOL1Ji1ON vi 15. DEF'AULT eiz (a) BUYER DEFAULT: If Buyer falls, neglects br Mmes b pertain% Buyer's obligator's under this Contact, vs including payment of the Deposit, within the time(s) 8pe ed, Seler may elect to recover and retain the 274 Deposit for the account of Seler as agreed upon liquidated damages, consideration for soreoution of this vs Contract, and in full nettiemetrt deny claims, Whereupon Buyer and Seller Mal be relieved from all further zrs obligators under this COntract, or Seler, et Semis aeon, thaw, passuant to Paragraphs 18, proceed In equity 277 10 enfOMS Sellers rights under this Contract. The carrion of the Deposit, If any, paid to Ling Broker upon sirs default by Buyer, &tan be spit equally bah een listing Drafter and Cooper lithg Broker, provided however, m Coopersing Brokers share shall not be greater then the commission amount tieing Broker had eilreed to pay as to Cooperating Broker. 201 (b) SELLER DEFAULT: $ for any reason other than failure of Seller to melee Serer s title marketable after aw /Damnable diligent effort, Seler falls, neglects or rWuses to perform Baler's obligations under this Contract, 253 Buyer malt elect to reoehie retan of Buys Deposal without thereby %vehdng any sc8on for damages resulting sea from Seller's breach, and, pursuant to Paragraph 16, may seek b recover such damages or seek specific sea performance. This Paragaph 15 shaft saavive Closing or iermirhad[on otitis Contract. sae 18. DISPUTE KESOLUTIOlh Unresolved conies erele , claims and other matters its queetwn between Buyer and r Seiler arising Out of, or ielating to, this Contract or its breech, enforcement or loon ('Dispute') will be as settled as follows: sec (a) Buyer and Seller wa have 10 days afar the date conflicting dernends for the Dept are made to attempt to ors resolve such Dispute, falh g which, Brayer and Seller shall submit such Maple to mediation under m Paragraph 18(b). cue (b) Buyer end Seller shall attempt b seffie Disputes in an amicable manner through mediation pursuant to Florida 203 Rotes for Certified and .,...whAnpwpbed Mediators and Chapter 44, F.S., as amended (the 'Mediation Rules`). 204 The madletor rout be certified or must have experience in the real estate ihduetey. Injunctive relief may be 2.e sought without first complying with this Paragraph 16(b). Daphnes not Bellied punnont to this Paragraph 18 sae may be resolved by fnsthutng sofas In the appropriate court having juriedbffon of the rester: This Paragraph 16 x.r stud survive Closing orterrrdrlon of this Contract. ate 17. ATTORNEY'S FEES COST& The parties will &piteously any =citation fee Incurred in any mediation parroted tae by this Contract, and each party wit pay their own cats, expenses and fees, Including attorney's fees, Inured In coo conducting the mediation. In any nation matted by tthia Contract, the prevailing party shai be erred to eo1 recover from the nor np party oasts end fleas, Including seasonable attorney's fees, incurred in conducting 3xa the titigafton. This Paragraph 17 shall survive Closing or tiandnaton of this Contract. ew STANDARDS FOR REAL ESTATE TRANSACTIONS ("STANDARDS") ao• 18. STANDARDS: ace A. 'me axe (f) TITLE EVIDENCE; RESTRICTIONS; EASEMENTS; LMTATION& Wfthln the time period provided In err Paragraph 9(c), the Tine Commitment; with lapis copies of instruments listed as r eceptioras attached thereto, shall sae be Issued and delivered to Buyer. The The Commitment shall eet forth thecae matters to be discharged by Seller at or sots bef ore (toeing and shall provide that upon recording retie deed to Buyer, an owner's poiicy of Nie bsurancs in the sec amount of the Purchase Pdssd shell be hatred to Buyer Insuring Buyer's marketable tine m the Real Property, nth sndbect only b the following maw (a) comprehensive lend tree pons, zoning, and darer lend use restrictions, 312 prohibitions and requkemette Imposed by goven,msehtel authority: (b) restrictions and matters appearttg an the Piet is or otherwise common to the subdivision; (a) outstandIng oil, gas and mineral rights of record without right of entry; 314 (d) unpinned public airy easements of record (bcalsd cardiograms 1D real property Ines and not more limn 10 feet in ins width as to near or front lines and 7 12 feet in Width as to side Ines); (e) taxes for year of Closing and subsequent sue years; and (t) assured mortgages and Purchase money mortgagee, if any (0 ad oral terns, attach addendum); eV provided, that none prevent use of the Property for RESIDENTIAL PURPOSES. If there mists at Casing any tie violation of tams Worsened in (b) - (t) above, then the same s be deemed a Me defeat Merketsbie title stall be eve debemnkaed according to applicable Title Standerds adopted by authority of The Florida Bar and in accordance with an law. .21 (f) TiiLE EXAMINATION: Bayer shall have 5 days after receipt of Title Commitment to mamba ft and notify sez Seller in writing specifying defetgs), if any, hurt render tilts unmeriaeable. 0 Solar provides Title Cann!! rent and it an Is delivered to Buyer less than 6 days prior to Closing Date, Buyer may extend Closing for up to 5 daps after 3:4 date of receipt to examine acme in accordance with this STANDARD A. Seler shell have 30 days Mere Period') 325 - after receipt of Buyer's notice to take rEasonable diligent efforts 10 nrmove defects. if Buyer fats to so notify Seller, see Buyer shat be deemed to have accepted title as It then 1*. if Belter cores defeats v n % Period. Seller left Buyer's kaifats ' Pape a3 of 10 Baler. {tibia Ferelde hs Rev. MOO 2010 Hones R3asm.e and The norms 9er Ai V* reserved. fixn STAMMROS FOR IA1. ESTATE TRAPISACTIONS foot/mum I sae • deliver melon notice to proof of :cure acceptable to Beyer and &Weft eiteney) and the parka 219 dose this Conant on Clod ig Date (w' If 'Chang Orate has, passed, v> kr 10 dawdler Buyers reasipt of Sellerle sso nice). If Seiler Is onside to due .default win Cue Per ld, then Sitar May, esa r e it d�e� of =1 Cure Period, deliver to Sew: Cure Period fort 'prodded pellet not us villNri Mich Se11dr shed congnee b urge to NOM or mete ipa Mader (Wended t ssa 7. oe' (h electing to accept* ooh end.daaethis man Okaing Oats tor if Coring from 33e has passel, tseidn the eager of 1D day afar and at Extended C�ire.lemried or Buyer's receipt sae (W a to terminate this Curdled and local* a retired of the I)epoe , Ste0by reboiling Buyer and Seger US al further Waggons wider ihle Con n& taller tsaaonable Ingot etdlad, Seller is unable to timely care deeds. m and Buyer des not stake the defects, fhb Contract dallierninate, and Iiittler end receive a refund of the Deposit, VS thereby r+eleaeing Buyer and Sell r turn sg fudhor obligations under this' Contract. located thereon • B. tel: if Survey des a n 'ts on the Real Property or that Improvements ale encroach on seam* lines, easements, . or lands 01 °time; or violate any restric6aas, coo xis, or applicable an deacelbed in STS A (lam, (b) or (d) above, Buyer shag delber Wien notice of Sikh 342 melts. together with a copy of Survey, to Setter mein 5 days eater Bawls rift of Survey. b t its User than so Moho. If Bayer timely delvers such notice and Survey to Seller, .e di manse identified In Ste nollas and Survey 344 NW 1331113ehal a title defect, subject to Cure °Waggons of STANDARD A cogs. if Seger las ddlie9g1 ends the 345 surrey, Seeger std at Firiy doculei an Ada* of '1Go 'egrafp to e" . ate prep�ono€sach or ,bth en se enttore alf inrraeanrisCrare ti ea C. WORM AND MOM Sender represents that there Is ingress trap eta to the Real Property and Ise 0 844 the Real Property Is insurable N accorderroe wilkSTANDARD A without excemeon forty* of legaidoit 'sodden ass D. LEASES: Seller shat, within 6 his �Pedion Period, furnish to ter copies of el sees estoppel letters store each tenant spediping nature seal dundion of lanart's ocouperoy, resdal odes, advanced Mew says and seeeinty demos Ism by tenant, incomme and expense for sea infonmdlorf). If Sager Is unable to obtain estoppel letters from l the same infontragon shag be banished by so Seiler to Buyer width: that time period In the foam of a Sel ties a and Buyer 354 to confirm such inn. if fauna of the lease(s) Afar meraddyirme Seder's nom Buyer may delver ass %widen notice b Seller vaghsitn 5 desyie 'kw readpt of Lsage Inforn1100n, but no fuser steers S d � 3151 Odle, termkregng this Contract and receive a refund of the deposit, thereby r born all air further obligations under this Contract Seger shag, at Ckustng, &Ever and Igisign all ablrmi Teases to Buyer trio us shall ass me Sea's 0btigabon ihareender. an aim attesting (l3 to the !► inencing sac E. LE: 3 stems Walsh to ' et srda rut Moats • sited, cl eirns of lien or poleliBi g lets Mown Ur Seger, and :(U) thriftier have b euen go b ream lm =I to the Real Pmpalty six 911 days buredistely preceding Clo01ig Dale. If the Real Props' has beans Improved or m repaired within that t Seger slid delver releases or wa sere of coon Ilens exemiled by el general as conbaobrs, eubcont eators, suppliers and materkskrren in addlon to Seder's gen radavltsellifeg troth names , of ail au each general contractors, subcxmbad suppler" and ruabriehaes' hsther shot. an dunes far ass improvements could serve ass bests fora con uudhOi len ore l de oin for mtges have been paid se orwili at paid time My gnus periods i+ro d for b this COMMA F. TIME: Calendar days stud be used h coaspulin® pens are which shall end an a Saturday, Sunday, or a national leAa1 beaky (safe 5 U.S.C. 8103 stWI extend to 600 p.m. see (where the Property is located) of the matt business day. Time fa Of the eaeenee In thls Confead. Contract or be sus O. FORCE NIANARIE: Dyer or Seller' spas not be required pea any d caused or m peeve t dtab other for due hurricanes, earthquakes, mss, *'a, ants of Gong, unusual $72 P F acts of , terlodern, and other series not resavnabiY wi thin control of $irs duels, o insurrections, erg** * whole or ass h3sryar or Seger. and wtrtoh. by exercise or reasoned" d �* the . Ub � Force e c pert to prevent or overcome- M time periods, Including Mass fob, us Mime prods performance corder this contract Pte however, If rees1 Force gkiihere .° PreVant as pemnrance sunder this Currbaot :sloes titan 14 dabs beyond OWN tom, then Oise party may b n bate iris era Coracect by delivering writer notice to the other sand the Deposit be refunded m Buyer, grerebrreleasing ewer se and Bailer framed further obliedons under Nile :Contract. sea H. cONOBTAIRM Seeger sail ConMSy mariaefable Ns 10 the Real Property by staWielY SienlantYw 1nieibe's, std iris attars of S e tadV to maims deserted sa, personal DAR monsoon_ tad+► ( or `e y P� shall, ot d; Bar, be by sex in absolute STANDARD A and (hook ► for alt es may b p herd br inthirr O masers. sea eleobute big eosin oath vrrarlterd3! of tom, eo'ow!! as/ 1. mown uxocritft Odd: mu PRoGRAM is Waled at Ole ace Of the ...rd (1) ace at ,ire i or other r da g p i ow get tab f ink fo r poipy angle ,� r an attorney or athrr edogleg es'rt L 5 ti wafer's mean .. = r 'YID V auto moss m i me m orrda sth Aa On it fnrmruiomlicita 494 see' ❑ Seller could= Buyer's offer to ancept the counter - olf8i. Buyer must sign ar kiffiai the cvwd r- a'ileied terms and 400 deliver 8 copy Of the maphstos to . 4rr ❑ Seller rejects Buyer's offer. 400 THIS 1S INTENDED TONE A UMW' Y BINDJFIG CONTRACT. IF NOT MIT UNDERSTOOD, SEC THE ADVICE 492 OF' AN ATTORNEY MOOR TO SIONDIG. 600 THIS FOfaA HAS BEEN APPROVED BY THE FLORIDA REALTORS AND THE FLORIDA BAR 501 Approval of this form by the ROA& Ri*frx and The Radde Bar does not constitute irr opinion that any of the terms 6e2 and =dB= hi this Contract t ahould be etztepted by the parties is a particular freneeCffee. Terms and c ordkdhns sos shotid be negotiated based upon the respective Err>ev ob)scOv es end bargaining positions of ail Interested so4 pennons sos AN ASTERISK () FOLLOWING A UNE NUMBED IN THE MARGIN INDICATES THE LINE CONTAINS A BLANK TO we BE COMPLETED. SakisueorraOlZ" Sept - t`` - aLdd ad or Buyer, Deist ens Buyer: e: _ Dal : ' // Ddb 9. i 9� g nor -sir Seiler. , - - — Data . - . sit Buy'er's address ter pinpoints of native l' se8ar. .. . .. s u - MS 'RORER b a l i n g and Osoperstilip B e l e m , P a n y, Warned below (a w r, 'B,Diaer'), are the only Brokers entitled see to compensation In conneelon atilt this .Contract. Instruclim to Closing Agent .Seller and Buyer dkecf Closing Agent e rr EC disburse at Cloainp the lull amount of the broieeseQe lees as smiled to assents brokerage she egreemonts with the maws and couperativa agreements between the Bloheret =MN iD the eodent 8mIer hers su retained such fees from the escrowed funds. This Contract shall not modify any NILS or otter offer of componsation soo made by Seller or Usffng Brokerto Coopemt ig Brokers. Ger- BOY A 1Z- 6 A -t- N e t A-- 522 Cooperating fides Via, 1 any Listing Sella PAMO fee. 010r. RETRAXADVANTAGE PLUS iV OF,LE Q ti �t 3'hf �L�►i S , 1 ti c, Mot Cooperating Bogor, nary — Litt m Dreher Page 10 dh0 FlerldeReeltaniFkuldielisMEREM Rev, 01002070 fbcld' Rooters, end lbw Medea Dec JNl dvlis wnwsd. Ile frmnaininlidty ARP 4 Advaiting Pius Old p � r `� ' f for rn Contract 1 WRIDA. FVi i►r=® • The fnib4Jng provisions are made a part of the ter Sate and Purchase or Residential Sew and Purchase beswwen ° L �+ vt E t t�C3 W > �T _ (senor) Tine H P k�T2 C N 4 fkt_1)% P Purer) containing the Property locked m 1. Buyer.: at Buyer's expense, may have a qualified profesetonal conduct an tnspectlon of the Property for mold within `1 days from the Mare Date (Vold inspection Period, 2, Buyer !half be responsible for prompt payment for such inspections and repair of damage to end restoration of the Property rerndtingfom such Inspections. This provision shat survive termination of the Contract. 3, in the event the mold hi pectitrn reveals a t dticant of mold in the Property, rich prolessiterate to remove the mold, ate cost w exceeds $ f Buyer may can Bra toad by delivering written notice of such election no later than 48 hours after ulceration or the Mold inspection Period. if Buyer timely cancels the Contract, the deportits paid shell be Immediately returned to Buyer and Buyer and Seller shall be rid from further obligations under the Contract, except as provided in eubparegraph 2 above.. #. if Buyer faits to conduot•lhe Inspection perm d in this or having colt such inspections, fedis b timely notify the Be lien of Buyerse Intent to cancel file Ccatamt or If the motif Inspection does not teal significant presence of mold in the Property Which requires professional remedintion to tern o the motel, at a oast which exceeds the sum spedfled In Paragraph 3 above, Buyers maynot terminate this Corsreotpurrametto lids Addendum. / C C ei7? Date: 9/ 9/� alter: � Idler; 1 Ctsabe: erearevii ease a � 14 4 a1Ni0 r ct — t4 --sto l g�, . ens) Detec yer: >f date: as W r Rev. 18102.20112 Rena Aeeocre tan of Raonw Reseener aRwmd iv:ThaPomo' wrreT eiFer*a eo04e9-a Comprehensive Rider to the iorida Realtors* Residential Contract For Sale And Purchase Tres Foram Nee SEM prrnovre BY The FLORIDA R ALTON* eta THE FLORipr► BAR Mltfatad by ail portion, Ate clauses be hncarooratad into the Fiends Ree>tors1 VFlorida Bat Reddentiei COS Sac t For Sale And e u t`l (SELLER) and RiN ( ) (BUYER) concerning the Peapef did to s s Sr u 5__0 3 ,ay�rr mss S H Seller's lalisis M. DEPE.CTTVE tORMiu.t. During the tine Florida was experiencing budding material shortages, some horrtss were butt or renovated using drywall imported from or manned In Chi or elsewhere which redly emit levels of sutler, methane end/or otter volatile organic cornptxmda that cause corrosion of err conditioner and refgerainr acts, copper tubing, electrical wiring, computer wiring and other household 1 anw as weft as create nwdoua odors which may also pose health risks ("Defective Drywall). 1. SNia's Knowledge Except as indicated below, Seiler has no actual knowledge of the presence of Defective Drywall or the atdetence of any filbrmation, words, reports, or other documents winkling to Deflective Drywall effecting fie Property: (describe al known Defective Drywall Informetfon end Ike al evade documents pertaining to Defective Drywall and provide documents. E any, to Buyer before accepting Buyer's offer) 2 Defective Drywall i on: (Claw* One) O (a) Buyer waives the opportur y to conduct a risk went or inspection for the presence of Defective Drywall and =mpg the Drywall la the Property (n de Misting aontl}ion. ® (b) Beyer, at Buyer's revenge, may have a borne Impeder. licensed contractor or our deemed plelholonre Of requked by law) to conduct an . inspection or risk ant of the Property for the presence of Defective Drywall within , blank, then 15) days from the Effective Date (Ursa inspection Period"). If the drywall inspection or tike a msasment reveals the presentee of Defective Drywall or reveals damage to the Property resulting from the Defective Drywal and the cod to removveflepl oe the Defective Drywall or damage resullhg from the Deflecffiva Drywall exceeds $ 0 (if bromic, $5O*LOO) Buyer may cancel this Contract by eaten ncelce to Seller Oil or beftee expiretion of the Drywall Inspecdon Period.. erla if Buyer timely terminales Contract, Depa+B shall be refunded to Bayer: thereby g Demand Seller Contract, of ad further obligations underthis Collet, except as provided In Paragraph 3 below. If Buyer falls to timely cancel or fall: to conduct the InspeGtkxls wedded In this Paragraph, Buyer nay net tF NB BOX CHECKED, THEN SHAL E MEWED SELF. t0 this Addendum. a. Repa$r of tnepecon Demises to Property: Buyer shell be rsapondbie for pswi payment for such inspections end repair ill demegesto the Property rang from the inspections. 4. Professional Advlaw Buyer acknowledges that Broker has net conducted any Independent Investigations to verify the accuracy or completeness leteness of any repnesereatons about Defective Drywall made by Broker or Seiler. Buyer agrees to rey solely on Ste, p ofesslonal Inspeolom, governmont l agencies or any third parties retained by the Bayer regarding any issue related to Defective Drywall. rage of Comemeartagre Tudor to the Residents! Contract For Sale Md Purchase C T i - � a 2010 F e r ffi s Rinorsm end h e Floe& 0. M rrghb m.sn .d. Comprehensive Rider to the rkii.'da Realtors Residential Contract For Sans And Purchase T1* MENEM BEEN ED BY TIM FLORIDA REALTORS Arta THE R.OAiadt apk wtialed by ail parties, the Wow win +g into*. Pleride Realtnrs®VFforida liar Residential Canned Far Sala And Pimento Nerd., # and A • LIPr i I F le uX OUTER) concerning Vie I iii 13ES1► Si *iSo• ?, orcw ff ' ,_ ,e�k- -�._ ...� _.. S. 'a AMA* A. CONDOMINIUM ASSOCIATION DISCLOIIINE 7. CONDONIRSUMASSOCIADON APPROVAL The AssnalaUon`s approval of Buyer (CHECK ONE) Cl is L7 b not ragtdned, tf epprovai f re this Contract la contingent upon Buyer being approved by the won no than days prior Cioeing. 'Mtn 2. days attar �ecUve Date Seiler shah Initiate the approval peso hs the Afton anti Buyer shall apptytbr such approval. Buyer and Bever shall sign end delver any documents requtead by the Association In order to complete the bander of the Property and each shah use Abed effort to obtrdn such approval, including making personal appearances if required. If Buyer bit not approved within the stated time peubd, sets Contract win terminate end Buyer *heel he rellnded ere Deposit„ thereby releasing Buyer end Seiler fmm ail further obligations carder thin Cardract 2. new OF FIRST REFUSAL (e) The Associstion (CHECK OEM Q has ❑ doss not have a: right of skid refusal mId ). me Association has a Right, Ode Contact is contingent upon theAssocidton. ether thetime penned far the erxenclee or such RRgFet, either provkfing written confirmation to Buyer Sant the Assodation is not eaousrdshng.tlrat Right, or *Ono to Brady exercise such Right pursuant to Ore terms of the Declaration of Condemnor' clYearearither, ethic!' reference irides al amendments thereto). (b) The members of the Aetsodadton (CHECK ONE) 0 have D do not have a Itght. if the members • do have a Right, thle Contrail t. contingent retort the men ens, witirm the One pernateid for the exercise of ands Right, diner providing written conlnnedon to Buyer that the members are net exercising that Right, or f%Ring to ltrnreiy wxerdoe such Flight pursued bleu termsaf the Dedera (Ion. (c) Boyar and Seler shalt within days alter Effective Data alp and delver any dacwrrante required as a condition precedent to the amine of the Right, and ehud use diligent effort to submit and proem the matter with the AirsoclaUun and maim ere, Mdtell eg pommel appearareaee, negated. (d) If, within the slated lime period, the AssociatfOrk the members of the Asst, or both, fat to provide the written w confir naion or the Right ties net otherwise wed, then this Contract w lenatlirde ind the Deposit 1x16 be tuftmdati to Ole Mayer, thereby releasing Barer and Seller from edi (rater obligations amder this Contract (e) if the Ao odlation or a member timely aaardaaa as or their Right, time Contract 'NI too dnate End Ow Dom* so be refunded to Buyer (Prone this Corbett • provides otherwise), thereby nabobs Sayer and Beer atom M *ether obligations under this contract, and Seller wen pay to Broker the fun coneniaaion Closing to recognItibn tiaea Broker procured the nab 3. FEW Ail SMEN11% BRATS LIIISA ION (a) Aeoesenetede end Ranee Spike represents that the savant annual aeasewrtanE instdtmente are $ _ _Zia' per month and the aaanent rent on tecreellon ar la $ > per month. AS annual acts mints levied by the Ausedaden end resat on recrea sonar areas, if any, shell be made turrert by Banana Closing, and tturyer ahsl rebiebaare8ilferforprep warents. (b) Few Seller will pay off Sees emceed agiretihe Dal es at Closing Crate and any lees one Assodatlon charges to prwt a Information about Its fees on the Property, and will briny annul assessment inatellenents and sinew perlo & fees and rents our any cyan Loral areas current as of Clestog Date (SEE CONTINUATION) Pert or Qomparreraeiem Rider te ens ftesIdsnad Comma For Sale And Pomace. CR Eter. air10 a 2011:1 ids Rttaonat and Mt Moons Vv. A1100 00 pm:e+d, A. CONDOMINIUM ASSOCIATION DISCLOSURE (CONTINUED) (r:) Specs! Assessments end Proratiorac (I) Seger Stet Seller is not aware of any speiet or other assessment is has been levied by the Assuclation or that has been an itelft on the egg. or mooned fnfhe minutes. of the Association within twelve (12) months prior to Effective Iasi, ramming") except as redeem if 'pedal assesemeele levied or pending ads' as of Ste Eliedha Date are thud above by Seiler end may be pale! its InateIknenta (CHECK ON4 ❑ Buyer ❑ Seiler (if let Manic, Buyer) shall pay festellmeMs du seer [fig Detail! Seller b checked, Saner NM pay the someme set b, fts11 refer to or demean of Cloehrtg. (if) 11 sped Inesamonto vied or pending elute as of the Effective Date end have not been dee:teaed above by Seller, then Seiler shell pray such assessments In diI at the dine of Closing. (iv) If, after BTesttre Dabs, the Aseoctellast Imposes spy assessment for improvements, work or services, which Was not pending as of the Eireethre Date, 1h n Setter wU pay ell amounts due before Closing Delia and Buyer will pay an amounts due alter Closing Date. (v) A special SIEROSSOISse dui be deemed levied for purposes of this pnrrsgreph on the date when the aseesement has been approved se required tOt erdorcament pursuant to Florida taw end the condonariken documents listed In Paragraph 5. (vi) Association assets and tlatifies, Including pesos reserve accounts. shall not be prorated. (d) Litigation: Seger represents that Seger Is not aware of pending or anticipated Negation affecting the Propertyar the common demerits, Nam except as fo vs:• :.. _ . • •. • 4. SPRINKLER SYSTEM REITIOFffl It, pursuant to Sections 718.112(2M, F.S., the Assedation has voted to forego retrofitting its Ere sprinkler system or handrails and guardrails fix the condornNrm !mfte, then prior to Meng seller small tsxrstall to Buyer The wrier; notice of Association% vote to forego such retrofitting. 6. NOWOEVELOPEX Dom: [CHECK Q (a) THE BUYER HEREBY .ACKNOWLEDGES THAT BUYER HAS SEEN PROVIDED A CURRENT COPY OF THE DECLARATION OF CONDOMINIUM, ARTICLES OF INCORPORATION OF THE ASSOCIATION, BYLAWS AiND RULES OF THE ASSOCIATION, AND A COPY OF THE MOST RECENT YEAR -END FINANCIAL INFORMATION AND FREQUENTLY ASKED QUESTIONS AND ANSWERS DOCUMENT MORE THAN 3 DAYS, EXCLUDING SATURDAYS. SUNDAYS, AND LEGAL HOLIDAYS, PRIOR TO DCECLiT1ON OF T iS CONTRACT. tft (b) THis At NT Is VOIDABLE SY BUYER BY DELIVERING WRITTEN NOTICE OF THE BUYER'S INTENTION 10 CANCEL WITHIN It DAYS, EXCLUDING SATURDAYS, SUNDAYS, AND LEGAL- HOLIDAYS, AFTER THE DATE OF EXECUTION CF THIS AUNT BY THE BUYER AND APT BY BUYER OF A CURRENT COPY OF THE DECLARATION OF CONDOMiNIUM, ARTS OF INCORPORATION, BYLAWS AND RULES OF THE ASSOCIATION, AND A DOPY OF THE MOST RECENT YEAR -END FINANCIAL INFORMATION AND FREQUENTLY ASK83 DU NS AND ANSWERS DOCUMENT W SO REQUESTED IN WRITING. ANY PURPORTED WAIVER OF THESE VOIDABIUTY RIGHTS SHILL BE OF NO EFFECT. BUYER MAY ExTEEyN�D�� THE 'T�I FOR CLOSING NG FOR A PERIOD OFF NOT hI RtE THAN THE DECLARATION, E.XGLUINN G SATURDAYS, SUNDAYS, AND HOLIDAYS, AFTER THE BUfE ♦ R iI E DTE + r ARTICLES OF INCORPORATION, BYLOVS AND RULES OF THE ASSOCIATION. AND A COPY OF THE MOST RECENT YEAR-END FINANCIAL INFORMATION AND FREQUEN1LY Ate QUESTIONS AND ANSWERS DOCUMENT IF REQUESTED IN WWTWG. BUYER'S RIGHT TD VOID THIS AGREIDAENT SHALL TERMINATE AT CLOSING. B. BUYER'S REQUEST FOR Dom Buyer is entitled, at Setter's averse, to current copies of the condominium documeats epectfied in Paragraph 6, above. Buyer (CHECK DIVE) mquatas 0 does not request a current copy of the docannents specified' in Paragraph 6, above. If tilfa Contract does not dose, Buyer shall Immediately mean nr the documents to Seller or reimburse Seller for the cost of the documents. (EE CONTINUATION) Page oftoraanchaoslys Ridale to the , Contract For Sale AM Psnlhose C R - 4 Rev. We e2018 P e t t i s ttwttoeseand Ths9=l ill sear. As eiyhe resented. 1 CONDO ASSOCIATION Dtt3GLOt (CONTINUED) 7. BUYER'S RECEIPT OF DOEEJNt 4TR: (COMPLETE AND CHECK ONLY IF CORRECT) E3 Buyer received the documents deacribed In Paragraph 6, above, on B. COMMON EMERY* PARKING: The Property includes the that being primed and an undivided !Merest In the =i=ron elements aro an appurtenant Batted =woo elements of the condolrgr wuv, as aped irf the boon, tares sight sod inland In OT to the bee etthe lellosittg perkingep ), : garage, and other ernes am wed TO the sate opt thellit ertg and NMI be eselipred to Buyer et subject to the Declaratory t Ratmettlit t;umpS Ottee. a. 1NSPECTJONB AND REPAIRS: The rights and obligations artelna under Paragraphs 11 and 12 of this Contract to mablein. repair, replace or treat are limited to Seger'>t . IsSoldual condominium unit and unless Seller is otherwise responsible do nal emend to common elements. limited common elements, or any otter pmt oIthe condominium property 14. GOVERNANCE FOMIL. PURSUANT TO CHAPTER rift FLORIDA STATUTES, BUYER IS EHNTTTLED TO RECEIVE FROM SEL.LER A COPY OF THE GOVERNANCE FORM IN THE FORMAT PROVIDED BY TIE DIVISION OF FLORIDA CONDOMINIUMS, TIMESHARES AND FAME HOME' OF THE DEPT OF BUSINESS AND PROFESSIONAL REGULATION, SUMMAR ZING THE GOVERNANCE OF THE COt 1MM11lM ASSOCIAT1O t POW of Comprehene rde Hiner to Ike Re slid Gonliact For Sale And Pontheaa CR-1 c20Te Florida PeYllicaD id Thy RA/1W NI s ftiroomed Short Sate Addendum to Purchase and Sate Contract e � N ors` The following provisions are made pertd the Contract for Sete and Pitches. or Retsldantlel Safe and Punt se Contact between LA u Q e t.1 Go - D"De `1 (sedi.r) and ‘ j-Pt KP A R,3 2c IA. tr1 C1 ktAco1_k. P+f— (threan) uonoemirg the Property located at 18t a l NE_ r3 1 Sr* * 1 503 " may tJ Voi`1 tic-- , 1. Appnwal ti the LIthilthe Ta Contract le contingent won: (a) lute Seiler* Iandes(s) and/or other Nan holder(a) (collectively the Tender) approved of the punfeas pie, terms of the Contract and the HUD -1 aumeme d statement (b) the Lends* agreement to accept a payoff wide* is teen than the balance due on the loan or other indebtedness and (cr) the Lenders tdetase and eatklbgeOrt of ere mortgetga(s} ar>dlbr or dens) upon receipt of accorded peyvtL Sr ede agrees b dtsdoae or provide any requarded itformation a docuinalielart to the Lenderfor the purpose of mining approval of this shorfsede Centred. II Seder obtains an approval from Lender, Stier shaft delver wrlgen n aliened the approval beta Buyer no later than 8 des attar model dike S Sellerdoes mot delverwriaen notice to mar that Lender hes approved the ptrdtese pine and contract t ants within days from Effective Date ('Approval Deadline") (30 dies( left blank). or Elands' rejects lids Contract prior 10 the esphationoilheAppeowfDeadline, ether poly may thereafter cancel the Contract by delivering writer► notice to the other. However, stdi right to canoe/ shad cease tomcat if Seiler deterred carmen notice the the Conked d has been approved by the Lender. 2. Effective Date and Time fforAeosptsom: Ttw Effective Date and the time for ecordence of aO oifars and coontereffers under the Centred shall be computed as net forth In the Contract. 3. Time Posed,: (check one) Except far Approval Deadline, all Om periods for inspections. contingencies, depoel(s) and other obfge Iona under the Contract chef commence from the date Seller delivers written eeottee to Buyer that the Corded has been approved by the Lender ❑ As time periods under the Contract shall commence nce tr m the Eriaa ive Date under the Contract, 4. Aciorowthrtenent by Buyer: Buyer- acknowledges that the Lender is not party to the Contract and tendons le not obigoted to approve the Contract Boyer further eetnosiedges that 9l w end Broker we act labia for delays caused by Lender, faitst d the Lender to approve he Contract. fellers d the Lender to complete the short eele after Improving the Contract d r'y costs end eerpenees (sues: es for loan applications, Inspections, art rte) associated with the delays or failure to approve the Confront or »pieta Ste Shaft Sale after approving*, Contact. 5. Seller Admowledgerest Seder ackneWledpes theta short sale mey result In Lenderrequetg the Sailer to paythe Mem= of whet was owed as a deficiency judgment, theft Lender's forpive+tese of debt may be a taxable event to the Seder and that Seder's credit may be names* impacted Seder deo aolenpMeddee that Lender may =pimp WW I° briny Ude b tang orto execute 0 promissory tote. Sailer is advised to consult wet appropriate � teaser end professionals. Seller r e r eras u ao rely on such nepenthe profs eIunds end not Barker for fax and regal Edythe. Eisler epees to the oonesquenetec at a short sale. 1. Multiple OQats:, (cheek a the • term d the Contract, r y not accept any beck-up offers or order Into sty back-up oorrbaem cranes etthematea &reeled arrogated by Lender, the Senn Contrail. Seder may accept a beEta- up offeror antertdva back-up omdnotthet *conditioned upon terf Ci�rtlb7t e Thls addend= emends the above-referenced Contract between Seiler endByer. An other norl-calattfrie pnovistone of t agreement retreat to MI Toros and affect. g4t —14, —lam qhq /iR aELIER • DATE DATE BUYER DATE Bonet DATE c a3.4,$ Rw. t2ffi1O 071310 i arl a REAL70R3 0 AI outran xbmaread • • • I, Lauren Godden, the owner of 1819 NE St Boynton Beach, FL 33435, am attempting to participate in a short sale of my property. I am not familiar with the buyer, Hampartzoum Sahaguian; he is not a relative, friend, business associate, or colleague. My only contact with this individual has been through his real estate agent regarding the sale of my property. We do not have any agreements in which I will be receiving cash or a cash equivalent from him for the sale of my property. Additionally, all parties, seller, buyer, and their respective real estate agents, have signed an affidavit of arms - length transaction for the lender. ..„44 Lauren Godden 2114 12- \1 0,`2 - ! ears kcnt\N" -k-C) w elk JENNIFER LYLES Commission # DD 934854 Expires December 18, 2013 mima 1hv Tmy Fan wmiraia e03 - 701e 05 Nov 12 10:05a P.1 c Del ni cnctc.o 2 por-.1 ceu = s6 i -S43- ts4s 4 r- 6aaC ,AFFIDAVIT OF ARMS LENGTH TRANSACTION BB &T Mortgage Short Sale Requirereat Loan* 00 Disc) a Gs� 3 NILS Listing # R 3: 091 Pursuant to a residential purchase agreement ("Agreement"), the parties identified below as "Sellm((s)" and " Buyer(s)", "respecti ely, are involved in a real estate transaction whereby the real property commonly (mown as /$14 /VC 5 + ►CkY (`Pro . '�4►ili be sold by Selier(s) m Buyer(s). r.,o ysoweirderu 4�G 3 3.e BBitT ("Lender") holds a deed of trust, mortgage or security deed against Property. In order to complete the sale of Property, Sellers) and Buyer(s) have jointly asked Lauder to accept less than the total amount owed on the loan which is secured by the deed of trust, mortgage, or security deed. Lender, in consideration for the representations made below by Seller(s), Buyer(s), and their respective agents, agrees to a short sale and to release its deed of trust, mortgage or security deed on the express condition that Sener(s), Buyer(s), and their respective agents (weluding, without limitation, real estate agents, and title agents) each truthfully represents, affirms, and states as follows: 1. The purchase and sale won reflected in the Agreement is bonafide, Arm's Length Transaction, meaning that the transaction has been negotiated by unrelated parties, each of whom is acting in his or her own self- interest, and that the sale price represents fair market value of the Property. With respect to those persons signing this affidavit as an agent for either Selier(s), Buyer(s), or both, those agents are acting in the best interests of their respective principal(s). 2. No Buyer or agent of Buyer(s) is a family member or business associate of the Seller(s) or agent of the Selier(s). 3. No Buyer or agent of Buyer(s) shares a busin interest with the Seller(s) or agent of the Seller(s). 4. There are no hidden terns or hidden agreements or special understandings between the Seller(s) and the Buyer(s) or among their respective agents which are not reflected in the Agreement or the closing instructions associated with this transaction... 5. There is no agreement, whether oral, written, or implied, between the Seller(s) and the Buyer(s) and/or their respective agents which allows the Sellers) to remain in the property as tenants or to regain ownership of the Property at any time after the consummation of this sale transaction. 6. There is no agreement, whether oral, written, or implied, between the Sella(s) and die Buyer(s) and/or their respective agents of the intent of immediate resale of this property within 90 days. 7. The Seller(s) shall not receive any proceeds from the sale of the Property. Notwithstanding the foregoing representation, Seller may receive a cash incentive at the time of the sale of the Property if such incentive has been approved in advance by the Lender, its investors or insurers. Pep 1 ot2 05 Nov 12 10:10a p•2 S. No agent of either the Seller(s) or the Buyer(s) shall receive any proceeds from this transaction e:accpt as is reflected in the final estimated closing sit which shell be provided to Lender far approval prior to the closing. 9. Each signatory to this Affidavit expressly acknowledges that Lender is relying upon the relucscntations made herein as consideration for accepting less than the full amount owed on the loan(s) and releasing the deed of trust, mortgage, or security deed encumbering the Property. 10. Each signatory to this Affidavit expressly acknowledges that any misrepiesentalion made by him or her subject him or her to civil liability. i/We declare under penalty of perjury that all statements made in this Affidavit are true and correct. Seller Representation Bayer Representation ka vr 6 odde HiMPAL SgRACV-‘1\1.3 Primary Seller ' - Printery But (Print Name) Burr (Sign ) Date Date Secondary Seller (Print Name) Secondary Buyer (Print Name) Secondary Seller (Signature) Secondary Buyer (S ° e) p a„ Dare &AreCi a n d s Tent 1 M o O\c o Seller's Agar (Print Nacre) Buyer's Agent pan Name) GoYIL/Wv 54 6307- et# 1 49 Sep � (�) Boyar's (License Na) Seller's Agent (Signature) Buyer's Agent Aram* 11 /4/ ,_ k l -Z- 2017.— Date Date The ietefat to" fdt dote menu U to initiate the short sale meet. pram= and dart nu, in 4:174' let Ty, eaend or guarantee opproraL Page 2 af'2 BANKATLANTIC P.O. BOX 9708 FT. LAUDERDALE FL 33310 07/18/12 LAUREN GODDEN 1819 NE 5TH ST # 1503 BOYNTON BEACH FL 33435 Your failure to meet the repayment terms of the Credit Agreement has created a default under your Credit Agreement and Mortgage referenced below. RE: Mortgage Loan # 15026503 - 1 Property Address: 1819 NE 5TH STREET #1503 In order to cure the Default, you must pay $4,064.90 within 30 days of the date of this letter. This amount does not include any subsequent payments after the date of this letter. which will become due. It is your responsibility to contact the undersigned within .30 days. Your failure to cure such breach on or before 30 days from the date of this notice may result in the acceleration of the total indebtedness. All interest and costs that have accrued will immediately become due and payable. The Bank will take all actions to pursue our rights and remedies allowable by law provided in the Promissory Note and Mortgage. You have the right to reinstate the Mortgage after acceleration pursuant to your loan documents and the right to assert in the foreclosure proceedings the non - existence of a default or any other defense you may have to the acceleration and foreclosure. All past due amounts shall be remitted in Certified Funds and partial payments will not be posted. You may reach our office from 8:30 AM to 5:00 PM Monday thru Friday by calling 954 940 5117. You may reach our office from 8:30 AM to 5:30 PM Monday through Friday by calling 1 866 854 4606. Sincerely Galina Kats Loan Modification / Foreclosure Supervisor RE: BB &T Loan# 6059506518- Godden - Yahoo! Mail � , > ✓ i � t ` _ ' r � r e m k e n Page 1 of 2 Y,�1- 1001x. MAIL Classic RE: BB &T Loan# 6059506518 - Godden Friday, November 2, 2012 10:47 AM From: "Hodgson, Caitlin" <CHodgson@BBandT.com> To: "Hamltton, Rebecca' <REHamliton @BBandT.com >, "bnola2001 @yahoo.com" <bnola2001©yahoo.com> 1 File (11KB) LJ Image20... Good Morning Barbara, I'd like to take a minute to introduce myself. My name is Caitlin and I will be your direct point of contact moving forward. As you are aware, the appraisal was ordered yesterday and usually takes a week or two before I'll have to value back. Please see the attached payoff quote through November 30 AS Rebecca requested yesterday, please email the preliminary HUD1 to me upon completion as well as the Arms Length Affidavit. If you have any questions, please don't hesitate to contact me. I am here to help in any way I can. Sincerely, Caitlin Caitlin Hodgson Branch Banking & Trust Liquidation Relationship Manager Non Performing Assets 301 College St. Greenville, SC 29601 Phone (864) 242 -8406 Fax (252) 293 -9255 chodgson @bbandt.com Please include the mortgage loan number and client's name in your email in order to assist with a more timely response. Please note that all negotiations are related to first mortgages only unless otherwise expressed in writing. Visit us on the web at: www.bbt.com From: Hamilton, Rebecca Sent: Friday, November 02, 2012 7:53 AM To: Hodgson, Caitlin Subject: FW: BB &T Loan# 6059506518 - Godden http: / /us.mc1406. mail. yahoo. com /mc/ showMessage ?sMid= O &fid= %2540S %2540Search... 11/19/2012 3270 Explorer: Payoff Calculation Totals (PAY4) B B & T MORTGAGE — 933 Loan Number, 6059506518 Borrower Name: GODDEN,LAUREN PAY4 6059506518 AS -OF 11/30/12 PAYOFF CALCULATION TOTALS 11/01/12 10:42:46 NAME L GODDEN CONTACT NAME LAUREN GODDEN PRINCIPAL BALANCE 181,526.94 RATE CHANGES INTEREST 11/30/12 7,218.77 CALC INT FROM RATE AMOUNT PRO RATA MIP /PMI .00 04/01/12 6.00000 7,218.77 ESCROW ADVANCE .00 11/30/12 ESCROW BALANCE .00 E SUSPENSE BALANCE .00 HUD BALANCE .00 REPLACEMENT RESERVE .00 RESTRICTED ESCROW .00 TOTAL -FEES .00 W 3 ACCUM LATE CHARGES 517.74 ACCUM NSF CHARGES .00 OTHER FEES DUE .00 PENALTY INTEREST .00 FLAT /OTHER PENALTY FEE .00 TOTAL INTEREST 7,218.77 CR LIFE /ORIG FEE RBATE .00 -*TOTAL TO PAYOFF 189,263.45 RECOVERABLE BALANCE .00 NUMBER OF COPIES: 1 PRESS PF1 TO PRINT Printed By: C60919 on 1112/2012 10:42:49 AM Pege 1 of 1 • • • HUD - U.S Department of Housing A. Settlement Statement and Urban Development OMB No 2502 -0265 B. Type of Loan 0 1. FHA 0 2. FmHA 3. Conv. Unins. 6. File Number 7. Loan Number 8. Mortg. Ins. Case Num. 12 -186 0 4. V.A. 0 5. Conv. Ins. ID: C. NOTE: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked "(p.o.c.)" were paid outside the closing; they are shown here for informational purposes and are not included in the totals. D. NAME OF BORROWER: Hampartzoum Sahaguian, a single person Address of Borrower: E. NAME OF SELLER: Lauren Godden Address of Seller: TIN: F. NAME OF LENDER: Address of Lender: G. PROPERTY LOCATION: 1819 NE 5th Street, Boynton Beach, Florida 33435 H. SETTLEMENT AGENT: Pinnacle Land and Title TIN: 45- 5389045 Place of Settlement: 1711 Worthington Road, Suite 107, West Palm Beach. Florida 33409 Phone: 561 -427 -1266 I. SETTLEMENT DATE: 1/31/13 DISBURSEMENT DATE: 1/31/13 J Summary of borrower's trans. - . k 100. Gross amount due from borrower: <0: Contract sales pner. 80,000.00 401. Contract sales price 80,000.00 102. Personal property _ 402. Personal property 103. Settlement charges to borrower (Line 1400) 412.60 403. 104. 404. 105. 405. Adjustments for items paid by seller in ad, ante ot •f,>, 11, ,aia by , le:.n advani_i- 106. City/town taxes 406. City/town taxes 107. County taxes 407. County taxes 108. Assessments 408. Assessments 109. 409. 110. 410. 111. _ 411. 112. 412. 120. Gross amount due from borrower: 80,412.60 420. Gross amount due to seller: 80,000.00 200. Amounts paid or in behalf of borrower: 500. Reductions in amount due to seller: 201. Deposit or earnest money 501. Excess deposit (see instructions) 202. Principal amount of new loan(s) 502. Settlement charges to seller (line 1400) 8,280.00 203. Existing loan(s) taken subject to 503. Existing loan(s) taken subject to 204. Principal amount of second mortgage 504. Payoff of first mortgage loan 65,648.43 205. 505. Payoff of second mortgage loan 6,000.00 206. 506. Deposits held by seller 207. Principal amt of mortgage held by seller 507. Principal amt of mortgage held by seller 208. 508. 209. 509. Adjustments tor items unpaid by seller Adjustments for items unpaid by seller: 210. City/town taxes 510. City/town taxes 211. County taxes from 01/01/13 to 01/31/13 71.57 511. County taxes from 01/01/13 to 01/31/13 71.57 212. Assessments 512. Assessments 213. 513. 214. 514. 215. 515. 216. 516. 217. 517. 218. 518. 219. 519. 220. Total paid by/for borrower: 71.57 520. Total reductions in amount due seller: 80,000.00 300. Cash at settlement from /to borrower: 600. Cash at settlement to /from seller: 301. Gross amount due from borrower 80,412.60 601. Gross amount due to seller 80,000.00 (line 120) (line 420) 302. Less amount paid by /for the borrower (71.57) 602. Less total reductions in amount due seller (80,000.00) (line 220) (line 520) 303. Cash ( F From Fl To ) Borrower: 80,341.03 603. Cash ( [ To ' , From ) Seller: 0.00 Substitute Form 1099 Seller Statement: The information contained in blocks E, G, H, and I and on line 401 is important tax information and is being fumished to the IRS. If you are required to file a return, a negligence penalty or other sanction will be imposed on you if this item is required to be reported and the IRS determines that it has not been reported. Seller Instructions: If this real estate was your principal residence, file Form 2119, Sale or Exchange of Principal Residence, for any gain, with your tax return; for other transactions, complete the applicable parts of Form 4797, Form 6262 and /or Schedule D (Form 1040). Borrower's Initial(s): Seller's Initial(s): DoubleTime® HU;;. U.S. Department of Housing and Urban Development Page 2 L Settlement charges n „mower POC Seller POC Paid from Paid from 700. Total Sales /Brokers Com. based on price $80,000.00 @ 6.0000 % = 4,800.00 Borrower's Seller's 701. 2,400.00 3.0000 % to Noble Realty & Investments Funds at Funds at Settlement Settlement 702. 2,400.00 3.0000 % to Re/Max Advantage 703. Commission paid at settlement 4,800.00 704. to 800 Items payable In connection with loan 801. Loan origination fee % to 802. Loan discount % to 803. Appraisal fee to 804. Credit report to 805. Lender's inspection fee to 806. Mortgage insurance application fee to 807. Assumption Fee to 808. to 809. to 810. to 811. to 900 Items required by lender to be paid in advance. 901. Interest from. to (a? /day 902. Mortgage insurance premium for months to 903. Hazard insurance premium for years to 904. Flood insurance premium for years to 905. - ars to 1000 Reserves deposited with lender 6orroc: e- l'OCSeliei POC 1001. Hazard insurance months (8 per month 1002. Mortgage insurance months Cad per month 1003. City property taxes months (U per month 1004. County property taxes months Cd per month 1005. Annual assessments months @ per month 1006. Flood insurance months a per month 1007. months a(l, per month 1008. months (a? per month 1009. Aggregate accounting adjustment 1100. Title charges: Borrower POCSeller POC 1101. Settlement or closing fee to Pinnacle Land and Title 350.00 1,500.00 1102. Abstract or title search to Pinnacle Land and Title 325.00 1103. Title examination to 1104. Title insurance binder to 1105. Document preparation to 1106. Notary fees to 1107. Attorney's Fees to (includes above item numbers: 1108. Title Insurance to Old Republic Nat. Title /Pinnacle Land 460.00 (includes above item numbers: ) 1109. Lender's coverage (Premium): 1110. Owner's coverage (Premium): $80,000.00 ($460.00) 1111. Endorse: 1112. Wire Fees to Pinnacle Land and Title 35.00 35.00 1113. to 1200 Government recording and transfer charges: 1201. Recording fees Deed $27.60 Mortgage(s) Releases 27.60 1202. City/county tax/stamps Deed Mortgage(s) 1203. State tax/stamps Deed $560.00 Mortgage(s) 560.00 1204. to 1205. to 1300. Additional settlement charges. Boi or.=' PUC SdIe POD 1301 Survey to 1302. Pest Inspection to 1303. to 1304. HOA Transfer Fee to Preserve at Boynton Beach 350.00 1305. Lien Search to QuickStep Lien Search 250.00 1306. to 1307. to 1308. to 1309. 1400. Total settlement charges. ( Enter on lines 103, Section J and 502, Section K) 412.60 8,280.00 I have carefully reviewed the HUD -1 Settlement Statement and to the best of my knowledge and belief, it is a true and accurate statement of all receipts and disbursements made on my account or by me in this transaction. I further certify that I have received a copy of the HUD -1 Settlement Statement. Borrower Seller Hampartzoum Sahaguian Lauren Godden Borrower Seller The HUD -1 Settlement Statement which I have prepared is a true and accurate account of this transaction. I have caused, or will cause, the funds to be disbursed in accordance with this statement. Pinnacle Land and Title By: As Its Authorized Representative Date WARNING: 0 is a crime to knowingly make false statements to the United States on this or any other similar form. Penalties upon conviction can include a DoubleTime® fine and imprisonment. For details see: Title 18 U S. Code Section 1001 and Section 1010. • • • 242 08+27/2012 4:52 PM o Department of the Treasury—Internal Revenue Service / O I LL 10 O _ U.S. Individual Income Tax Return 201 (99) IRS Use Onk-Do not write or staple in this space. P For the year Jan. 1 -Dec. 91, 2010, or other tax year beginning , 2010, ending , 20 OMB No. 1545-0074 Name, R Your first name and initial Last tame Your seri.' • - •• Address, N LAUREN E GODDEN _ and SSN T 0 e Oat return, spouse's first nerve and Initial Last name Spouse's social security number C See separate L Home address (number and street). If you have a P.O. box, see instruction. Apt no. Make sure the SSN(s) above instructions. A 3573 LAKEVIEW BLVD _ ■ and on line 6c are correct R L City, town or post office, state, and ZIP code. If you nave a foreign uddvosa, see instructions. Checking a box below will not Presidential . Y DELRAY BEACH FL 33445 chap your tax or refund. Election Campaign■ Check here if you, or your spouse if filing jointly, want 53 to go to this fund ■ You f Spouse 1 Hh ead quaiying e of ,ousehperson old (wi is th a quel ch3dbut not persyour on . ( depende nvatrudio enter. nter n s. tf la Filing Status 2 Married Ring jointly (even If only one had Income) child's name here. ► Shgle 4 U t Check only one 3 Married filing separately. Enter spouses SSN above 5 [] Qualifying widower) with dependent child box. and full name here. P. 6a Yourself. If someone can claim you as a dependent, do not check box 6a .. J c B n es checked 1 Exemptions b I ) Spouse . .. No. of Wynn c Dependents: qua. (4) d on 6c who: (2) Dependents (3) Dependents forv(NIt • lived with you _ social security number relationship to you tart.. a did t l iv e with ( 1) Frst name Last name 1 ygoou dus no to divorce a If more than four p ire) dependents, see instructions a ps nts on Sc check here ► � r eyed above • d Total number of exemptions claimed _ lig /w an 7 Wages, salaries, tips, Mc. Attach Form(s) W 7 f 59,626 Income 8a Taxable interest. Attach Schedule B if required v a Attach Form (s) b Tax - exempt Interest. DO not include on line 8a I Illb 1 cr W - here. Also 9a Ordinary dividends. Attach Schedule B if requited 9a attach Forms b Qualified dividends U r W-2G and 1099 -R if tax 10 Taxable refunds, credits, or offsets of state and local income taxes 10 was withheld. 11 Alimony received 11 If you did not 12 Business income or (loss). Attach Schedule C or C-EZ 12 get a W 13 Car ied gam or (loss). Attach Schedule D if moored. lino( nqutad, dock here ► L_.J 13 see page 20. 14 Other gains or (losses). Attach Form 4797 14 15a IRA distributions 15a b Taxable amount 15b 15a Pensions and annuities Ilia 1 b Taxable amount 16b Enclose, but do 17 Rental real estate, royalties, partnerships, S corporations, trusts, etc. Attach Schedule E 17 –9 , 4 62 not attach, any 18 Farm income or (loss). Attach Schedule F 18 payment. u . Also, 19 Unemployment compensation 19 please use Form 1040 -V. 20a Social security benefits 120a 1 f I b Taxable amount 20b 21 Other income. List type and amount 21 22 Combine the amounts in the far right column for lines 7 through 21. This is your total income • 22 50 , 164 23 Educator expenses 23 = ■ Adjusted 24 Certain business expenses of reservists, performing artists, and ;: Gross fee -basis government officials. Attach Form 2106 or 2106 -EZ 24 Income 25 Health savings account deduction. Attach Fonn 8889 25 : , : ^ • 26 Moving expenses. Attach Form 3903 26 }.:• : 27 One -half of self - employment tax. Attach Schedule SE 27 ' 28 Sett -employed SEP, SIMPLE, and qualified plans 28 "; ,' M 29 Seff -employed health Insurance deduction 29 ' 30 Penalty on early withdrawal of savings 30 =� 31a Alimony paid b Recipient's SSN 10 31a �_ t'u 32 IRA deduction 32 r3 : 33 Student loan interest deduction � 33 2 , 407 ,., L 34 Tuition and fees. Attach Form 8917 34 rw 0 35 Domestic production activttles deduction. Attach Fenn 8903 35 .. 36 Add Ines 23 through 31a and 32 through 35 36 2 , 40 7 37 Subtract line 36 from line 22. This is your adjusted gross Income ■ s7 _ 47 , 757 D For Disclosure, Privacy Act, and Paperwork Reduction Act Notire, see separate Instructions. Form 1040 (2010) 242 08127t2012 4:52 PM Form 1040 (2010)LAUREN E GODDEN 'a cre 2 Tax and 38 Amount from line 37 (adjusted gross income) , . , 36 47,757 Credits 39a Check boxes ; � if. B You were born before January 2, 1946, Blind. Spouse was bom before January 2, 1946, Blind, 1 Total boxes ► 39a ' b If your spouse itemizes on a separate return or you were a dual - statue alien, check here ► 39b 1 # 40 Itemized deductions (from Schedule A) or your standard deduction (see Instructions) 40 6,733 41 Subtract line 40 from fine 38 . 41 41,024 42 Exemptions. Multiply $3,650 by the number on line 6o 42 3,650 43 Taxable Income, Subtract Aire 42 from Iris 41. If Me 42 is more than fee 41, enter 43 37,374 44 Tax on Instr.), Check if any tax Is from a O Forms) 8814 b ❑ Form 4972 44 5,525 45 Alternative minimum tax (see instructions). Attach Form 6251 45 46 Add lines 44 and 45 , ► 46 5,525 47 Foreign tax credit. Attach Form 1116 if required • 47 , "' 48 Credit for child and dependent care expenses. Attach Form 2441 48 49 Education credits from Form 8863, line 23 49 50 Retirement savings contributions credit. Attach Form 8880 50 l ■ 51 Child tax credit (see Instructions) 51 s " s. 52 Residential energy credits. Attach Form 5695 52 +7: 53 Other credits from Forma 0 3800 b 0 8801 c Cj 53 _ 54 Add tines 47 through 53. These are your total credits 54 55 Subtract line 54 from line 46. If line 54 is more than line 46, enter -0- ► 55 5525 Other 56 Self-empeoymertt tax. Attach Schedule SE 56 Taxes 57 Unreported social security and Medicare tax from Form ED 4137 b Q 8919 57 58 Additional tax on IRAs, other qualified retirement plans, etc. Attach Form 5329 if required 58 59 a ❑ Form(s) W -2, box 9 b u Schedule H c 0 Form 5405, line 16 59 60 Add Ines 55 through 59. This is your total tax 19 80 5,525 61 Federal income tax withheld from Forms W -2 and 1099 61 10 ,160 :` ; :• Payments 62 2010 estimated tax payments and amount applied from 2009 return 62 ', 'b 63 Making work pay credit. Attach Schedule M 63 400 , , 1 If you have a 64a Earned income credit (EIC) .... 640 h ° - ' ''i,' a,Dd ang b Nontaxable combat pay eon i 64b1 � : Schedule El 65 Additional child tax credit. Attach Form 8812 65 ` y +' 66 American opportunity credit from Form 8863, line 14 66 ' , : 67 First-time homebuyer credit from Form 5405, line 10 67 68 Amount paid with request for extension to file 68 .ry 69 Excess social security and tier 1 RRTA tax withheld 69 ." c 70 Credit for federal tax on fuels. Attach Form 4136 70 71 Credits from Forma 0 2439 b 0 8839 c 0 8801 d E] 8885 71 = , . 72 Add Ines 61, 62, 63, 64a, and 65 through 71. These are your total Fryrrrentr ► 72 10,560 Refund 73 If line 72 is more than line 60, subtract line 60 from line 72. This is the amount you overpaid 73 5,035 74a Amount of line 73 you want refunded to you. If Form 8888 is attached, check here ■ Ei 74a 5,035 Diectdepoait7 ► b Routing number 063102152 1 0. c Type: ® Checking 7 Savings ;s See 0. d Account number 1000027899607 1 ' Instructions. 75 Amount of line 73 you want applied to your 2011 estimated tax 0. 75 j _{ __`' Amount 76 Amount you owe. Subtract ine 72 from line 60. For details on tow to pay, see instructions • lell You Owe 77 Estimated tax penalty (see instructions) 1 Tr 1 • ,t+ >'i` "'_s : ::: `..;. you want to allow another person to discuss this return with the IRS (see instructiorg Yes. Complete below. ►4• Third Party D° Personal tden88 tion number (PIN* 1 904811 Designee Designee's name ► EDWARD A. SURAW JR. Phoneno. ► 561 - 272 -731 n uder t es of perjuryry, I dedere tat 1 have emined this return and arm rl srtradulss and,*manta and to the best of my pe and belief, Sign they era true cored, and complet Ded o prepe ( other tan taxpaye is beset en ae fROnnatlon of whkh preperor h an Ivwwbdpknowl.de• Here Your signature Date Your occupation Diann phone number Joint ramrn+ STUDENT See met , t i Keep a ropy Spouse's signature. If a joint return, both must sin. Date Spouse's occupation ;Z. :' f, ' .r ` i_ `7 : 4 : , ' ,, records. "° .... :.4 .. : Y PrndlType preparers name Preparers signature at cheat r PTIN Paid EDWARD A. M AAw 1n. 08 /27 /1210.4nwlorel4 PO0735937 Preparer Firm%name ► EDWARD A. ZURAW & CakIPANY Firm's EIN ► 27- 4026991 Use Only Firms redrew • 209 SE 5TH AVE Phone no. DELRAY BEACH FL 33483 -5206 _ 561-272-7317 Form 1040 (2010) DAA 242 08/27/2012 4:52 PM SCHEDULE A Itemized Deductions OMB No. 1545-0074 (Form 1040) 2010 ilo Attach to Form 1040. ilo See Instructions for Schedule A (Form 1040). PAYNITATZ t ur Se _ Mu 07 Narne(s) shown on Form 1040 LAUREN E GODDEN _ Medical Caution. Do not indude expenses reimbursed or paid by others. , , • • ...., and 1 Medical and dental expenses (see instructions) . 1 725 Dental 2 Enter amount Iran Form 1040, line 38 1 2 l 47,757 -' ..- Expenses 3 Multiply line 2 by 7.5% (.075) 3 3,582 ,; 4 Subtract line 3 from line 1. If line 3 is more than line 1, enter -0- . 4 0 Taxes You 5 State and local (check only one box): Paid a n Income taxes, or 1 . 5 6 b tif General sales taxes ''-I... ..i.' 6 Real estate taxes (see Instructions) 6 467 7 New motor vehicle taxes from line 11 of the worksheet on ' ' ' • back (for certain vehicles purchased in 2009). Skip this line if you checked box 5b 7 .. 8 Other taxes. List type and amount I■ . 8 .. 9 Add lines 5 through 8 9 1,082 . . . . .. Interest 10 Horne mortgage interest and points reported to you on Form 1098 10 5,601 ' n: You Paid 11 Horne mortgage interest not reported to you on Forrn 1098. tf paid to the ,', -,. • . ,.. .. . . person from whom you bought the home, see instructions and show that T. .„,,.... Note. person's name, identifying no., and address • -. -. ;; Your mortgage ., ., nterest . ..........* i deduction may , • be limited (see 11 instructions). 12 Points not reported to you on Form 1098. See instructions for special rules 12 13 Mortgage insurance premiums (see Instructions) 13 .A•:•41, 14 investment interest. Attach Form 4952 if required. (See • 1 instructions.) 14 15 Add lines 10 through 14 15 5,601 Gifts to 16 Gifts by cash or chedc If you made any gift of $250 or more, Charity see instructions 16 .• :.:r. .6.:.'l•ii If you made a 17 Other than by cash or check. If any gift of $250 or more, see gift and got a instructions. You must attach Form 8283 if over $500 17 50 '1: • 4,, benefit for it, 18 Carryover from prior year 18 see instructions. 19 Add lines 16 through 18 19 50 Casualty and Theft Losses 20 Casualty or theft loss(es). Attach Form 4684. (See instructions.) 20 Job Expenses 21 Unreimbursed employee expenses—job travel, union dues, ••,, . 4 and Certain job education, etc. Attach Form 2106 or 2106-EZ if required. '.. • ,...r (See instructions.) i• .... • Miscellaneous 21 1 .41f. Deductions ..... 4 22 Tax preparation fees 22 4:4..7 23 Other expenses—investment, safe deposit box, etc. List type and amount ■ tSi..$ 23 24 Add fines 21 through 23 24 25 Enter amount from Form 1040, fine 38 j 25 1 26 Multiply line 25 by 2% (.02) 26 27 Subtract 1100 26 from tine 24. If line 26 is more than kw 24, enter -0- " • • Other 28 Other—from list in instructions. List type and amount ll Miscellaneous Deductions Total 29 Add the amounts in the far right column for lines 4 through 28. Also, enter this amount Itemized on Form 1040, line 40 6 Deductions 30 If you elect to itemize deductions even though they are less than your standard ,,.,,.....,....,,.....,....ft.:. deduction, check here . ■ I ..! For Paperwork Reduction Act Notice, see Form 1040 instructions. Sc - • u - A (Form 1040) 2010 DAA 242 09272012 4:52 PM SCHEDULE E Supplemental Income and Loss oWe No. 16464074 (Form 1040) (From rental real estate, royalties, partnerships, 20 /� V S corporations, estates, trusts, REMICs, etc.) Internal RReveen s Service Treasury (99)1 ► Attach to Form 1040, 1040NR. or Form 1041. 1 See Instructions for Schedule E (Form 1040). Sequence No. 13 Neme(s) shown on return vour social security number LAUREN E GODDEN I _ ' I ' ll ' Income or Loss From Rental Real Estate and Royaltes Note. If you are in the business of renting personal property, use Schedule C or C-EZ (see page E -3). If you are an Individual, report farm rental income or lass from Form 41136 on page 2, line 40. 1 List the type and address of each rental real estate property: 2 For each note ma esbb property Yes ! No 1819 NE 5TH ST #1503 rated on the 1, (fed you or yowler* A BOYNTON BEACH, FL 33435 use ll during the tar yea for mime purposes for none than be prosier ot: A , X • 14 days or B • 10% of the tote) days renbd at fair rardel vaWe7 B (See page E-4) c c Income: Properties Totals A B C columns A. e, and C.) 3 Rents received 3, 4,200 3 J 4,200 4 Royalties received 4 4 Expenses: •'-' 5 Advertising 5 ''.� 6 Auto and travel (see page E -5) . • 6 7 Cleaning and maintenance .... 7 , 8 Commissions a - ; f, „' t • 9 Insurance 9 321 10 Legal and other professional fees 10 4 11 Management fees 11 1 12 Mortgage interest paid to banks, , ',L- eto. (see page E - 5) 12 5,600 12 5,600 13 Other interest 13 ; � e 14 Repairs 14 15 Supplies 15 :' 16 Taxes 16 46/ 17 Utilities 17 665 '! 18 Other (list) ► 4:4'0 SEE STATEMENT 1 18 2,518 19 Add lines 5 through 18 19 9,571 19 . 9,571 20 Depreciation expense or depletion (see page E -5) 20 4,091 to 4,091 21 Total expenses. Add lines 19 and 20 . 21 13,662 I - . • 22 Income or (loss) from rental real estate or royalty properties. Subtract line 21 from line 3 (rents) i : *k; or line 4 (royalties). lithe result is a (loss), see page E-6 to find out e: ti., If you must file Form 6198...,. 22 -9,462 23 Deductible rental real estate lass. t Caution. Your rental real estate loss on fine 22 may be limited. Seepage i E-6 to find out if you must file Form 8582. Real estate professionals 9,4621 � 'r. J must complete ine 43 on page 2 . M ` 0 24 Income. Add positive amounts shown on Tine 22. Do not Include any losses 25 Losses. Add royalty losses from Tine 22 and rental real estate losses from line 23. Enter total losses here 25 ( 9,462) 26 Total rental real estate and royalty Income or (loss). Combine lines 24 and 25. Enter the result here. If Parts 11 III, IV, and line 40 on page 2 do not apply to you. also enter this amount on Form 1040, line 17, or -9,462 Form 1040NR. line 18. Otherwise. Include this amount in the total on line 41 on page 2 Schedule E (Form 1040) 2010 For Paperwork Reduction Act Notice. see your tax return instructions oAA 242 0t 1272012 4:52 PM SCHEDULE M OMB No. 1545 -0074 (Porto 1040A or 1040) Making Work Pay Credit 2010 Attecnment Internal Revenue Serr (99) Attach to Form 1040A or 1040. l• See separate instructions. Sequence o. 166 Name(s) shown on return I Your social tars..Yu nou.a.a• LAUREN E GODDEN � To take the making work pay Credit, you must include your social security number (if filing a joint return, the number of either you or your spouse) , on your tax return. A social security number does not include an identification number issued by the IRS. Only the Social Security Administration issues social security numbers. jig F You cannot take the making work pay credit if you can be claimed as someone else's dependent or if you are a nonresident alien. Important Check the "No" box on Tine 1a and see the instructions it . • (a) You have a net loss from a business,' i (b) You received a taxable scholarship or fellowship grant not reported on a Form W-2, :�I (c) Your wages Include pay for work performed while an inmate in a penal institution, ` ., . (d) You received a pension or annul from a no ualified deferred compensation plan or a no overnrnental , ' �., f section 457 plan, or ii ': (e) You are filing Form 2555 or 2555 -EZ. 2 la Do you (and your spouse if filing jointly) have 2010 wages of more than 56,451 (512,903 if married filing jointly)? ':i.: . Yes. Skip lines la through 3. Enter 5400 (5800 if married filing jointly) on line 4 and go to line 5. ;1 No. Enter your eamed income (see instructions) la ' b Nontaxable combat pay included on line la rt.�� (see instructions) . 1 1b 1 2 Multiply line 1a by 6.2% (.062) 2 Pi sy. a 3 Enter 5400 ($800 if manied filing jointly) 3 r `' : 4 Enter the smaller of line 2 or line 3 (unless you checked 'Yes" on line la) 4 400 ,r s: ;' 5 Enter the amount from Form 1040, line 38', or Form 1040A, line 22 5 47,757 g,': R'' 6 Enter $75,000 (5150,000 if married filing jointly) 6 75 000 , >ii 7 Is the amount on 6ne 5 more than the amount on line 6? r�� 8 No. Skip line 8. Enter the arnount from line 4 on line 9 below. Yes. Subtract line 6 from line 5 7 r PK, 8 Multiply line 7 by 2% (.02) 8 9 Subtract line 8 from line 4. if zero or less, enter -0- 9 400 10 Did you (or your spouse, if filing jointly) receive an economic recovery payment in 2010? You may have received this payment in 2010 if you did not receive an economic recovery payment in 2009 :. but you received social security benefits, supplemental security income, railroad retirement benefits, or veterans disability compensation or pension benefits in November 2008, December ? .j 2008, or January 2009 (see instructions). ' No. Enter - on line 10 and go to line 11. Yes. Enter the total of the payments you (and your spouse, if filing jointly) received in 2010. Do not enter more than $250 (5500 if married filing jointly) 10 0 11 Making work pay credit Subtract line 10 from line 9. If zero or less, enter -0-. Enter the result here and on Form 1040, line 63; or Form 1040A, line 40 11 . 400 'if you are fling Form 2555, 2555 -EZ, or 4.563 or you are excluding income from Puerto Rico, see instructions. For Paperwork Reduction Act Notice, see your tax return Instructions. Schedule M (Form 1040A or 1040) 2010 DAA 242 GODDEN. LAUREN E 8/27/2012 4:51 PM Federal Statements 1819 NE 5TH ST #1503 Statement 1 -Schedule E. Line 18 - Other Expenses Gross Business Use Net Description Amount Percentage Amount HOA FEES 1,560 $ 1,560 INTERNET /CABLE 331 331 SECURITY EXPENSE 211 211 TELEPHONE 416 416 TOTAL $ 2,518 $ 2,518 1 242 04/162012 12:64 PM 1 040 Depart neat d vie Trwsrry- Inemel Revenue Secs (90) U.S. Individual Income Tax Return 1 2011 j OMB No. 154s•o074 I IRS Use Only-Do not elite a Maple In tie Spam _. s the deer J 1. 1-Dec. 31, 2011, or Mertes yew beifinnirm . 2011. arri'l9 , 20 , See separate instructions. Your firs nuns and rlml Last nnr You wow . - -- LAUREN E. GODDEN ff 1 Jana ream, spouse's first name and Mai Last mare Spouse'. .sail .mead number Have eddies* (nu ter and u9sut). If you have it P.O. box, see Urseucrons. APL no. - Maio sure the SSM(s) deve 3573 LAKEVIEW BLVD end on Ire etc ere corvot City, Darn or poet office, tmae, and DP reds. K you new a 'cretin address, also tacomplete complete spmates Wow (eau Me Residential Election Campaign uciors}. Chock herg If you. or you spouse DELRAY BEACH FL 33445 if fsroloriy, wont= t000tothis acrd. Checking • boot bsbw es Foreign gantry teens Foreign amerce/county Foreign postal code not cterps your ear or refuel . 14 You H ague. Filing Status 1 X sno 4 11 Heed am h""e o"° (wrh queeyew p'r'od. (See r.ruraan.) If she grrey pinyon is a thyd but not your dependent inter thi 2 P^ Mond fang jokey (even r only one fed Income) did% turns hue. • Check only one 3 -- Monied ling aapr' ray. Enter spouse's SSN above 5 El wawa vrldser(er) with dependent teed box. we Ira =renew ► 6a Yourself. If someone can claim you as a dependent, do not check box 6a i • n 1 Exemptions b Spouse .r li • d children c Dependents (2) Dupendenrs (3) Dependents ago 17 oat • lived adds you yodel smarty rurbur relationship to you tax meet • did not Ow with (1) Fret come Lau rove pee nor.) yse�p��e If more than four (see instructions) dependents, see instructions a oedentb on 6c check here • not entered above - - - Add numbers on d Total number of exemptions claimed lines above ► I lI 7 Wages, uawtel, U, etc. Attach Forms) W-2 7 62,684 'come 8a Taxable interest. Attach Sdhedule B if required 8a acts Form(s) b Tax -exempt interest. Do not include on fine 8a IIb ..-2 here. Also 9 Ordinary divide B r attach Forms ... K F: - - - ; h b Qualified d tr "w _ IIIP W-2G if tax 10 Taxable resin acct of and was withheld. 11 Alimony received H you did not 12 Business income or (loss). Attach Schedule C or C-EZ get a W-2, 13 Caporal gain a (bas). Atte Schelde D d required. a not required, dtedt has • see instructions. 14 Other gains or (losses). Attach Form 4797 15a IRA distributions 115a I b Taxable amount 16a Pensions and annuities 118a 1 1 b Taxable amount Enclose, but do 17 Rental real estate, royaltie partnerships, S corporations, trusts, etc. Attach Schedule E 0 • not attach, any 18 Farm income or (loss). Attach Schedule F payment. Also, please use 19 Unemployment compensation Forth 1040 -V. 20a Social security benefits [20a 1 ( b Taxable amount 21 Other income. List type and amount 22 Combine the amounts in the far right column for Tines 7 through 21. This is your total Income • __ 62,684 23 Educator expenses , 23 Adjusted 24 Certain business expenses of reservists, performing artists, and Gross fee -basis government officials. Attach Form 2106 or 2106 - Z 24 Income 25 Health savings account deduction. Attach Form 8889 25 26 Moving expenses. Attach Form 3903 26 27 Deductible part of self -employment tax. Attach Schedule SE 27 28 Self-employed SEP, SIMPLE, and qualified plans 28 29 Setf-employed health insurance deduction 29 30 Penalty on early withdrawal of savings 30 31a Alimony paid b Recipient's SSN • 31e 32 IRA deduction 32 33 Student loan interest deduction 33 1,768 34 Tuition and fees. Attach Form 8917 34 35 Domestic production activities deduction. Attach Form 8903 35 36 Add fines 23 through 35 36 . 1,768 37 Subtract line 36 from line 22. This Is your adjusted gross Income ► 37 60,916 For Olsclosu,,, Privacy Act, and Paperwork Reduction Act Noe* see separate i seuetions. Form 1 040 (2011) pax 242 042162012 1254 PM Form 1040 ao11) LAUREN E. GODDEN Tax and 38 Amount from line 37 (adjusted gross income) 38 60, y i o Credits 39a Check You were born before January 2, 1947, Bind. 1 Totel boxes ff- 1 Spouse was born before January 2, 1947, Bind. ,J Checked ► 39a b ff your spouse itemizes on a separate return or you were a dual-status Men, Check here ► 39b l Deduction n 40 Item Ized deductions (from Schedule A) or your standard deduction (see left margin) 40 14,261 for— 41 Subtract line 40 from One 38 41 46,655 • • w110 42 Exemptions. Multiply 83,700 by the number on line 6d 42 3,700 Itoa m Me 43 Tombs Income. Subraa line 42 ban file 41. if Ire 4218 mss than the 41, noon •4 43 42,955 39eor 3tbor 1e h, o can b 44 Tax (see Instr.). Check if any from a [l] ri a) b El 4972 Fa l m c a etc 44 6,869 dependent dependent, 45 Alternative minimum tax (see instructions). Math Form 6251 45 46 Add sines 44 and 45 ► 46 6,869 Insbudicos �r 47 Foreign tax crediL Attach Form 1116 if required 47 • Single or 48 Credit for child and dependent care expenses. Attach Form 2441 48 Moi1s 4 9 Education credits from Form 8863, One 23 ^ 49 separately. ss,eoo 50 Retirement savings contributions credit. Attach Form 8880 50 Mamed fang kb* a 51 Child tax credit (see instructions) 51 MH O1°h widow(r), 52 Residential energy credits. Attach Form 5695 52 s11.600 63 Other credits from Form: a 0 3800 b 0 8801 c fl $3 Head of household, 54 Add lines 47 through 53. These are your total credits 54 se 55 Subtract line 54 from line 46. It line 54 is more than One 46, enter -0- ► 55 6,869 Other 56 Selfempbymerd tax. Attach Schedule SE 56 Taxes 57 Unreported social security and Medicare lax from Form: a 0 4137 b 0 8919 57 58 Additional tax on IRAs, other queried retirement plans, etc. Attach Form 5329 ff required 60 59a Household employment taxes from Schedule H tea b First-time homebuyer credit repayment. Attach Form 6405 !Inquired 59b 60 Other taxes. Enter code(s) from instructions 80 61 Add lines 55 through 60. This is your total tax . . P. 91 6,869 62 Federal income tax withheld from Forms W -2 and 1099 82 , 11,271 Payments 63 2011 estimated tax payments and amount applied hum 2010 return 63 a If you have a f 64a Famed Income pap ... .. _ quashi b Nontaxable co ' h a . and, area, yr als sdaaye etc. 65 Additional child Form 88 • . ' 68 American opportunity credit from Form 8863, line 14 6e 67 First -time homebuyer credit from Form 5405, line 10 67 68 Amount paid with request for extension to file 68 69 Excess social security and tier 1 RRTA tax withheld 69 70 Credit for federal tax on fuels. Attach Form 4136 TO 71 crabs born Fenn e [ 2430 b 0 ee3a c ❑ tool a D sees 71 72 Add Ines 62, a, 6 4 A and 6 5 tin 71. Than are tar total Pere ws • 72 11,271 Refund 73 If One 72 is more than line 61, subtract line 61 from line 72. This Is the amount you overpaid 73 4,402 74a Amount of line 73 you want refunded to ou. If Fool, 8888 is attached, check here • 0 74a 4,402 Dead miaow 10. b Rotating ruanber 063102152 I • c Type: ® Chedd rig C1 Savings See Ill' d Account number 1000027899607 instructions 75 Amount of fine 73 you want applied to your 2012 estimated tax • ► 75 ( . Amount 76 Amount you owe. Subtract line 72 from One 61. For details on how to pay, see instruction • 76 You Owe n Estimated tax penalty (see instructions) 1 n 1 . '> Third Party Do you want to allow another person to discuss this return with the IRS (see h>strudions)? � Yes. Complete below. II No Prsonal idanenalann number Oath+) ■ 1 9 04 811 Designee ^ °''► EDWARD A A . ZURAW CPA p ► 561-272-7317 Sign Under pry of p , I timbre nett have _norm in WPM thrn art aooamanyYw •a,.aese and statements, and to the beat of rim knewle pe and belief, 9 they am Puna correct, and complete. Deaaration of p pr.r (dater then trosyah 1 Weld on d Ydou ttod n of wars pnprr tee any tame leulDe. Here Your wpm— Die 1 Your ocarysaor Dw nine pate nanuD.r Joint ream? !ATTORNEY See Yntr. ° o Sommers mo aapmlbn .eu an r "ea a a*/ 0pouwY epnetrr tf a loin t mtu n, both must sign '°' f �'�'"'� 1e � rob your (tae Yawn.) /�,/ PIM/rypo pmpr.fs name _ 1 • /► • Dwe Check L, i r v>t1N Paid EDWARD A. MIRAN CPA �.,) Nt]�") t l� 4 04/16/12 rsewwww P00735990 Preparer Ames name • EDWARD A. ZURAW & COMPANY rimy, EI+► 27- 4026991 Use Only Fads address ► 209 3E 5TH AVE Phone no. DELRAY BEACH FL 33483 -5206 561- 272 -7317 Form 1040(011) DAA 242 04/182012 12.54 PM riEDULE A Itemized Deductions oua No 1545-0074 trorm 1040) 2011 Departure or vr. n..wrr ► Attach to Form 1040. ■ See Instructions for Schedule A (Form 1040). Attachment Internal Revenue Samos ( Steer No. 07 Name(4) shown an Form 1040 v" LAUREN 8 . GODDEN - - — - - Medical Caution. Do not include expenses reimbursed or paid by others. and 1 Medical and dental expenses (see instructions) Dental 2 Enter amount from Farm 1040, line 38 1 2 I "` ;`' Expenses 3 Multiply fine 2 by 7.5% (.075) 3 4 Subtract fine 3 from line 1. If fine 3 is more than line 1, enter -0- Taxes You 5 State and local (check only one box): Paid a II Income taxes, or l 5 1,947 b 0 General sales taxes f 6 Real estate taxes (see instructions) 6 842 7 Personal property taxes 7 8 Other taxes. List type and amount ■ rKtt 8 9 Add Ones 5 through 8 2,789 Interest 10 Home mortgage interest and points reported to you on Form 1098 10 11,097 You Paid 11 Horne mortgage interest not reported to you on Form 1098.1f paid to the 4 , .r person from whom you bought the home, see instructions and skew that . II a a Note. person's name, identifying no and address ■ Your mortgage r., interest deduction may be limited (see 11 P <, 12 Points not reported b you out Form 1098. See instructions for w, r > instructions). special rules 12 ' . . 13 Mortgage insurance premiums (see instructions) 13 14 Investment in ch Form 4952 • 1 instructions.) •- - ' - 15 Add fines 10 ugh o r 952 • . .. • • 11,097 Gifts to 16 Gifts by cash or check. if you made any gift of 5250 or more, z :. Charity see instructions 75 s , If you made a 17 Other than by cash or check If any gift of $250 or more, see s ..,.. gift and got a instructions. You must attach Form 8283 if over $500 3 00 c :.: benefit for it, 18 Carryover from prior year 18 see instructions. 18 Add lines 16 through 18 375 Casualty and Theft Losses 20 Casualty or theft loss(es). Attach Form 4684. (See instructions.) Job Expenses 21 Unreimbursed employee expenses—job travel, union dues, y' Az. c> and Certain job education, etc. Attach Form 2106 or 2106 -Q If required. ,,-•N Miscellaneous ( instructions.) ► Deductions 22 Tax preparation fees El 23 Other expenses- Investment, safe deposit box, etc. List type 5? 44 and amount 11 24 Add lines 21 through 23 25 Enter amount from Form 1040, line 38 25 ; ' fi .i 26 Multiply line 25 by 2% (.l)2) �'' 27 Subtract line 28 from line 24. If line 26 is more than line 24, enter -0- Other 28 Other —from list in instructions. fist type and amount • Miscellaneous " Deductions Total 29 Add the amounts in the far right column for lines 4 through 28. Also, enter this amount itemized on Form 1040, line 40 14,261 reductions 30 If you elect to itemize deductions even though they are less than your standard Fr''~`u t deduction, check here ■ n ► 1 I For Paperwork Reduction Act Notice, see Form 1040 instructions. Schedule A (Form 1040) 2011 OAA 242 04/102012 1254 PM SCHEDULE E Supplemental Income and Loss OIAB Ma. 1545-0074 (Form 1040) (From rental real estate, royalties, partnerships S corporations, estates, trusts, ROMs, etc.', 2011 OsperInveni Vi, I Attecivneel internal Revenue Service (as Attach to Fenn 1040, 1040NR, or Form 1041. t See separate insirucdons. Sequence Ma 13 Narne(s) stew cm return Your yodel socurIty rumba.' LAUREN E. GODDEN _ _ . A Did you make any payments in 2011 that would require you to le Form(s) 1099? (see insbuclions) Yes t No If 'Yes," did you or wil you file all required Forms 1099? Yes No mow Income or Loss From Rental Real Estate and Royalties Note. ff you we in the business of tenting parsonsl property, use Schedule C or C-EZ (see instructions). tf you are an individual, report farm rental income or loss from Form 4835 on page 2, line 40. Caution. For each rental property fisted on One 1, check the box in the last column only if you owned that property as a member of a qualified joint venture (13.1V) reporting income not subject to self-employment tax. 1 Physical address of each property—street, (sly, state, zip Type-korn 2 F� est rentai rear Fair Metal Psniteal QJV Int below nen posse hist _ Osys Use Days tepee le easter ri A BOYNTON BEACH, PL 334 3 5 1 days wed it fair rents! A 3 65 vane and days siih B personst tee See instructions. Type of Property: I Single Family Residence 3 Vacation/Short-Term Rental 5 Land 7 Self-Rentai Multi-Family Residence 4 Commercial 6 Royalties 8 Other (describe) Income- Properties A 3a Merchant card and third party payments. For 2011, enter -0- 3a 0 3b Payments not reported to you on line 3a 3b 4 Total not including amounts on line 3a that are not income (see Insbedions) 4 Expenses: 6 Advertising 5 6 Auto and travel (see Instructions) 6 7 Cleaning end maintenance F or yo ur F i l es 8 Commissions 9 Insurance 10 Legal and other professional fees 10 11 Management fees 11 12 Mortgage Interest paid to bank, etc. (see instructions) 12 13 Other interest 13 14 Repairs 14 15 Supplies _ 15 16 Taxes 16 17 litfltes 17 18 Depreciation expense or depletion , 18 19 Other (list) • ems. summon.. s. 19 20 Total expanses. AckI Inas 5 through 19 20 21 Subtract line 20 from line 4. if result is e (loss), see instructions to find out If you must tile Form 6198 21 22 Deductible rental real estate loss after limitation, if any, on Form 8582 (see instructions) , 22 _ °X 23a Total of all amounts reported on line 3a for all rental properties 23a b Total of all amounts reported on line 3a for all malty properties 23b c Total of all amounts reported on line 4 for all rental properties 23c d Total of all amounts reported on line 4 for at royalty properties; 23d, e Total of all amounts reported on lie 12 for al properties , 23e f Total of all amounts reported on line 18 for all properties 23f g Total of all amounts reported on fine 20 for all properties , 239 24 Income. Add positive amounts shown on line 21.00 not Include arty losses 24 0 25 Losses. Add royalty losses from line 21 and rental real estate losses from line 22. Enter total losses here 25 ( 26 Total rental real estate and royalty income or (loss). Combine Ines 24 and 25. Enter the result hens. if Parts II, III. IV, and line 40 on page 2 do not apply to you, also enter this amount on Form 1040, Ilne 17, or Form 1040NR, line 18. Otherwise, include this amount in the total on ins 41 on page 2 , For Paperwork Reduction Act Notice, see your tax return instructions Schedule E (Fenn 1545) 2011 OAA 242 Godden, Lauren E. 4/16/2012 12:54 PM X92 -26 -9240 Federal Statements 1819 NE 5TH ST #1503 Statement 1 - Schedule E, Line 19 - Other Expenses Gross Business Use Net Description Amount Percentage Amount HOA FEES $ $ INTERNET /CABLE SECURITY EXPENSE TELEPHONE TOTAL $ 0 $ 0 F or Your Files 1 242 04r162012 1254 PM Form 1040 I General Sales Tax Deduction Worksheet Name as shown on return , Taxoaver Identification Number LAUREN B. GODDEN State of 1 Locality of FLORIDA General Sales Tax from IRS Tables 1. Enter the amount of adjusted gross Income (AGI) from Form 1040, Line 37 1. 60,916_ 2. Add the nontaxable amounts from Form 1040, ones 8b, 15a, 16a, 20e (sxcless rollovers and trafiss Sec 1036 maa.rges) 2. 3. Add the following nontaxable items: nontaxable combat pay, pubic assistance, veteran's Wraiths, and workers' compensation. Also include any amounts which increase spendable income, such as the refundable portion of refundable tax credits received in 2011 3. 191 4. Add fines 1 through 3, this Riname for general sales tax table purposes 4. 61, 10 7 6. Enter the amount from the safes tax table in the Schedule A alstrucllons. 5. 697 Part -year residents, complete lines 6 - 8; Full-year residents skip lines 6 - 6 and enter the amount from line 5 on fine 9 6. Enter the number of days of residence In state 8. 7. Total days in year 7. 365 8. Divide line 6 by fine 7 (rounded to at least 3 decimal places) 8. 9. Multiply line 5 by line 8, this is the deductible general sales tax using the IRS table. 9. 697 Local Sales Tax Using IRS Tables 10. Enter the amount from the sales tax table in the Schedule A instructions. 10. 11. If you are a resident of Alaska, Arizona, Arkansas, Carifomia (Los Angeles County only), Colorado, Georgia, Illinois Louisiana, Missouri, New York State, North Cantina, South Caroina, Tennessee, Utah, or Virginia, enter the amount from the applicable 0 • Local Sales Tax Table In the Schedule A instructions. 11. 12. Enter the local general les 13. Enter the state general sales to ( r Fi les 14. Divide line 12 by line 13 (rounded to at least 3 decimal places) 14. 15. If you entered an amount on line 11, mulipy line 11 by fire 12. This is the local sales tax using the optional local sales tax tables Part-year residents, complete lines 16 - 18; Full -year residents slip lines 16 -18 and enter the amount from line 15 on line 19 If you did not enter an amount on line 11, multiply line 10 by fine 14 This is the local sales tax 15. using the optional state and certain local sales tax tables. Part-year residents, complete liners 16 - 18; Full -year residents skip lines 16 -18 and enter the amount from line 15 on foe 19 16. Eater the number of days of residence In locality 15. 17. Total days in year 17. 385 18. Divide line 16 by fine 17 (rounded to at least 3 decimal places) 18. 19. Multiply fine 15 by line 18. This is the deductible general local sales tax using the IRS tables. 19. General Sales Tax Summary 20. Ester the sum of line 9 from all General Sales Tax Deduction Worksheets 20. 697 21. Enter the sum of line 19 from all General Sales Tax Deduction Worksheets 21. 22. Add lines 20 and 21, this is the total General Sales taxes using the tables 22. 697 23. Enter the actual state and local general sales taxes pakf 23. 24, 697 24. Enter the greater of line 22 or tine 23 1,250 25. Enter the state and local taxes paid on specified items (major purchases) 25 26. Add lines 24 and 25, this is the deductible General Sales tax 28. 1, 947 27. Enter total state and local income taxes paid 27. Enter the greater of line 26 or 27 on Schedule A, fine 5. If line 26 is greater, mark Schedule A, line 5b. If line 27 is greater, mark Schedule A, Ins 5e. 242 ow-moon 12:64 PM 1 Form 1040 1 Student Loan Interest Deduction Worksheet Name(s) as shown on return Taxpayer Identlikatim Number LAUREN E. GODDEN 1. Enter the total interest you paid in 2011 on qualified students. Do not enter more than $2,500 1. 2,153 2. Enter the amount from Form 1040, line 22 or 1040A, line 15 2. 62,684 Do not include any amounts from foreign earned income exclusion, foreign housing exclusion, exclusion of income from U.S. possessions, exclusion of income from Puerto Rico by bona fide residents of Puerto Rico 3. Enter the total of the amounts from Fonn 1040, Tines 23 through 32, plus any amount you entered on the dotted line next to line 36, or 1040A, lines 16 and 17 3, 4. Modified AGI. Subtract Une 3 from fine 2 4. 62,684 Note: If line 4 is $75,000 or more if single, head of household, or qualifying widow(er) or $150,000 or more If married filing jointly, stop here. You cannot take the deduction 5. Enter. $60,000 if single, head of household, or qualifying widow(er); $120,000 if married fifing jointly 5. 60,000 6. Subtract line 5 from tine 4. If zero or less, enter -0- here and on line 8, skip line 7, and go to tine 9 6. 2,684 7. Divide line 6 by $15,000 if single, head of household, or qualifying widow(er); $30,000 if married filing jointly Enter the result as a decimal (rounded to at least three decimal places) 7, 0.179 8. Multiply line 1 by Une 7 8. 385 9. Student loan interest deduction. Subtract One 8 from line 1. Eater the result here and on Form 1040, line 33, or 1040A, line 18. Do not Indude this amount in figuring any other deduction on you retum (such as on Schedule A, C, E, etc.) 6 1,768 For Your Files 242 64/142012 12 :54 PM • Fortr, 1040 Salaries 8c Wages Report Name , Taxpayer Identificatbn Number LAUREN E . (SODDEN TIS Employer - Federal Wages Federal Witrwrem Soc Sec wrages A _ STATE OF FLORIDA 62,684 11,271 63,686 B C D _ E F _ G H I _ J _ K _ L _ M Taxpayer Spouse Totals 62,684 11,271 63,686 Soc Sec Withheld Medicare Wages Medicare Withheld Soc Sec Tips Allocated Tips Dep Care Ben Other, Box 14 A 2,675 63,686 923 487 B E _ L - Taxpayer Spouse 4 87 Totals 2, 675 63,686 686 923 State State Wages State Withheld Name of Locality local Wages Local Withhold A FL B _ C _ D _ E G _ H J K M - Taxpayer Spouse Totals • • • s. 4 • 5TATE FoRDA ItistiCgOtamsritgrori EMPLOYeEtAitkiN819 stATEmita ALTERATIOKOF THIS DOCUMENT FOR :THEE PURP0�S OF COMMITTING FRAUD. MAY RES�N.F'IN'CRIMINAL.. P ANDIOR DISMISSAL. LAUREN E GODDElt id ber SEX' -XX PayDsa = 11/30/2012 Pay Pe 'I1Mk2012 - 11/3012012 Retirement Code. =. HM: • Nunther of Allowances = 0 EFT No = 1189329 MI SS'stus SINGLE THIS PAYMENT YID' PAYMENTS REGULAR-WAGES • 5;725:00' 62,475.00 TOTAL INCOME. 5;725.00" 62;475.00 LESS: MEDICARE TAX 8241 89826 SOCIAL SECURITY 238:70: 2,604.74 WITKI4OLDING TAX . 1,002.30' 10904.02 OTHER DEDUCTIONS • 213 "32 2,988.52 NET PAY: 4;188.27 45, STATE HEALTL4INS- EMPLOYER CON1 RIB: 541:46 5,956.06 STATE: LIFE .INS - EMPLOYER QONTR1B 4.54 49.94: ST DISK' INS EMPLOYER CONTRIB: 2.29 24.99 DEDUCTIONS: 49 PTB' STATE HE4. INS =FT EMP'E CTRB V. . 8:34 ` 91.:74 ***" 80 FLARET SYSTEM EMPLPPYEE CONTRIB: 17175 1,874.25"` 103 PRETAX DENTAL INSURANCE: 27.38 301.18*** 107 PTB: STATE ENDORSED VISION PLAN 5.85 64.35 * ** 518 FLA STATE UNIV ATHLETICS 0.00 657.00 " Employer Not Required to Withhold Tax . **• Items Not ill Net Pity '*' TeX Sheltered [GODDEN; LAUREN 118932911/30i2012 418827' • .., 4 4 .4. 9 $ e 4 • y ,� J „ .. s or '4. w, " 'poi ''k`r' '$ ` ka` ey .. \♦ "ay :' >, � � ;. • '`�.f: <f.'l .'•,.. •V! • ''�f r ,, ry ^� Y .p 4•' ../ ' /:. •f r 'n /:. / ✓ /.1� �.- ` �� .' 3 � `� p."'s' } � ,+ I a � °\ 4 I '��r.. w,Lpi' A ./..'.'4,- ,.� J�. ., qc; r , � � t ' �' :w>� . k, 4,,, �, t,!>r r ,<";;; ' •,�' '4 >; .C4.' . 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"\ /V4., SUNTRUST BANK Pale 1 of 3 P 0 BOX 622227 - ' "'' /39 ORLANDO FL 32862 -2227 _ ■607 10/15/2012 Account SUNTRUST Statement !334353505009! LAUREN E GODDEN Questions? Please call 1819 NE 5TH ST 1- 800 - 786 -8787 BOYNTON BEACH FL 33435 -3505 DID YOU KNOW WE CAN HELP YOU GET CHECKS TO THE BANK FASTER THAN EVER BEFORE? TAKE A PICTURE TO DEPOSIT A CHECK WITH SUNTRUST MOBILE APP. IT'S THAT EASY! NO BRANCH NEARBY? NO PROBLEM! SKIP A TRIP TO THE BANK AND DEPOSIT ON- THE -GO WITH SUNTRUST MOBILE DEPOSIT. TEXT APP TO SUN411 (786411) TO DOWNLOAD THE APP. Account Account Type Account Number Statement Period Summary EVERYDAY CHECKING )607 09/15/2012 - 10/15/2012 Description Amount Description Amount Beginning Balance $3,606.11 Average Balance $3,914.84 Deposits /Credits $4,188.26 Average Collected Balance $3,914.84 Checks $115.36 Number of Days in Statement Period 31 Withdrawais/Debits $4,075.65 Ending Balance $3,603.36 Deposits/ Date Amount Description Credits 09/28 4,188.26 ELECTRONIC/ACH CREDIT STATE OF FLORIDA SALARY 1550 Deposits/Credits: 1 Total Items Deposited: 0 Checks Check Amount Date Check Amount Date Check Amount Date Number Paid Number Paid Number Paid 133 40.36 10/12 ( *135 75.00 10/12 Checks: 2 *Break in check sequence Withdrawals/ Date Amount Description Debits Paid 09/17 8.43 CHECK CARD PURCHASE TR DATE 09/13 MEDITERRANEAN MARKET WEST PALM BEAFL 09/17 10.00 CHECK CARD PURCHASE TR DATE 09/13 ONE PARKING CP SP WEST PALM BEAFL 09/17 40.36 CHECK CARD PURCHASE TR DATE 09/14 ONE PRICE DRY CLEANERS BOYNTON BEACHFL 09/17 81.44 CHECK CARD PURCHASE TR DATE 09/14 CRATE & BARREL #914 800 - 967 -6696 IL 09/17 23.30 POINT OF SALE DEBIT TR DATE 09/14 TOTAL WINE AND BOYNTON BEACHFL80122145 09/18 20.97 ELECTRONICGACH DEBIT GAP CC GAP EPAY 416517153 09/18 14.00 CHECK CARD PURCHASE TR DATE 09/14 BULL BAR DELRAY BEACH FL 09/18 42.35 CHECK CARD PURCHASE TR DATE 09/15 GREASE BURGER BAR WEST PALM BEAFL 09/18 82.67 CHECK CARD PURCHASE TR DATE 09/16 MACY'S EAST #0128 800 - 289 -6229 OH 09/19 98.15 ELECTRONIC/ACH DEBIT CAPITAL ONE ONLINE PMT 226239919219422 09/19 13.00 CHECK CARD PURCHASE TR DATE 09/15 PIZZA LUNA LLC WEST PALM BEAFL 61937 Member FDIC Continued on next page SUNTRUST BANK Page 2of 3 ^ � P 0 BOX 622227 5/0 /39 ORLANDO FL 32862 -2227 .j607 10/15/2U12 Account SUNTRUST Statement Withdrawals! Date Amount Description Debits Paid 09/19 19.00 CHECK CARD PURCHASE TR DATE 09/16 BULL BAR DELRAY BEACH FL 09/19 2422 CHECK CARD PURCHASE TR DATE 09/17 ONE PRICE DRY CLEANERS BOYNTON BEACHFL 09/19 32.00 CHECK CARD PURCHASE TR DATE 09/17 SELVA GANESH MD, PA BOYNTON BEACHFL 09/19 45.79 POINT OF SALE DEBIT TR DATE 09/18 PUBLIX SUPER M BOYNTON BEACHFLP1041003 09/21 8.43 CHECK CARD PURCHASE TR DATE 09/19 MEDITERRANEAN MARKET WEST PALM BEAFL 09/21 9.54 CHECK CARD PURCHASE TR DATE 09/20 GROUPON INC 877 -788 -7858 IL 09/21 19.00 CHECK CARD PURCHASE TR DATE 09/20 GROUPON INC 877 - 788 -7858 IL 09/21 139.80 CHECK CARD PURCHASE TR DATE 09/18 SOUTHWES 5262468562789 08004359792 TX 09/21 9.47 POINT OF SALE DEBIT TR DATE 09/21 EXXONMOBIL WILDWOOD FL P4G1 09/21 31.00 POINT OF SALE DEBIT TR DATE 09/20 ALDI 74085 DELRAY BEACH FL 91249301 09/21 61.73 POINT OF SALE DEBIT TR DATE 09/20 MURPHY6712ATWA DELRAY BEACH FL 92368901 09/24 7.00 CHECK CARD PURCHASE TR DATE 09/21 O'SHEA'S IRISH PUB WEST PALM BEAFL 09/24 31.44 CHECK CARD PURCHASE TR DATE 09/21 EXXONMOBIL 97431548 WILDWOOD FL 09/24 36.23 POINT OF SALE DEBIT TR DATE 09/21 PUBUX SUPER M TALLAHASSEE FL P0852004 09/24 40.41 POINT OF SALE DEBIT TR DATE 09/22 PUBLIX SUPER M TALLAHASSEE FL P0852003 09/25 5.93 CHECK CARD PURCHASE TR DATE 09 /21 CHINATOWN OF PALM BEAC PLM BCH GRDNSFL 09/25 9.49 CHECK CARD PURCHASE TR DATE 09/23 SAITO JAPANESE STEAKHO WEST PALM BEAFL 09/25 13.89 CHECK CARD PURCHASE TR DATE 09/21 MARKET LIQUORS 2 TALLAHASSEE FL 09 /25 14.00 CHECK CARD PURCHASE TR DATE 09/22 ARAMARK SEMINOLE DININ TALLAHASSEE FL 09/25 24.00 CHECK CARD PURCHASE TR DATE 09124 GROUPON INC 877 - 788 -7858 IL 09/25 48.00 RECURRING CHECK CARD PURCHASE TR DATE 09/23 ATT•BILL PAYMENT 800 -288 -2020 TX 09 /26 224.65 ELECTRONIC/ACH DEBIT SN(888)296 -4290 SMART NOTE 000000339060840 09 /26 7.37 CHECK CARD PURCHASE TR DATE 09/24 MEDITERRANEAN MARKET WEST PALM BEAFL 09/26 46.98 CHECK CARD PURCHASE TR DATE 09/23 LOVES TRAVEL S00003632 OCALA FL 09 /28 60.00 ATM CASH WITHDRAWAL TR DATE 09/28 WEST PALM BEACH #2 W PALM BEACH FL R451 FLO40 09/28 3.00 CHECK CARD PURCHASE TR DATE 09/25 ONE PARKING CP SP WEST PALM BEAFL TR DATE 09/26 09/28 40.00 CHECK CARD PURCHASE DUFFYS SPORT GRILL DELRAY BEACH FL 10/01 150.00 ELECTRONIC/ACH DEBIT CAPITAL ONE ONLINE PMT 227239919297410 10/01 200.00 ELECTRONIC/ACH DEBIT CHASE EPAY 1413036275 10/01 325.00 ELECTRONIC/ACH DEBIT BANK OF AMERICA ONLINE PMT CKF181930528POS 10/01 2.00 CHECK CARD PURCHASE TR DATE 09/26 ONE PARKING CP SP WEST PALM BEAFL 61938 Member FDIC Continued on next page SUNTRUST BANK Page 3 of 3 P 0 BOX 622227 ^ 1/0 /39 ORLANDO FL 32862 -2227 -i07 .IMIIIMMO 10/15/2012 Account SUN1'RUST Statement Withdrawals! Date Amount Description Debits Paid 10/01 5.27 CHECK CARD PURCHASE TR DATE 09/28 MAKEB S BAGELS & DE WEST PALM BEAFL 10/01 10.07 CHECK CARD PURCHASE TR DATE 09/27 KABUKI RESTAURANT W PALM BEACH FL 10/01 20.07 CHECK CARD PURCHASE TR DATE 09/28 CRATE & BARREL #914 800 - 967 -6696 IL 10/01 7.81 POINT OF SALE DEBIT TR DATE 09/28 WINN -DIXIE # BRUNSWICK GA 29406001 10/02 300.00 ELECTRONIC/ACH DEBIT AMEX EPayment ACH PMT W6122 10/02 50.00 AUTOMATIC TRANSFER DEBIT SUNTRUST BANK TRANSFER 1000112040877 -0 10/02 139.88 ELECTRONIC/ACH DEBIT STATE FARM RO 27 SFPP 19 S 1036316119 10/02 13.76 CHECK CARD PURCHASE TR DATE 09/28 CHICK -FIL -A #00374 PALM BEACH GAFL 10/03 79.76 ELECTRONIC/ACH DEBIT TARGET T2210 PURCHASE 0131 10/03 67.60 ELECTRONIC/ACH DEBIT ATT Payment 186647001 EPAYX 10/04 150.00 ELECTRONIC/ACH DEBIT CHASE EPAY 1416721017 10/05 374.97 ELECTRONIC/ACH DEBIT AES STDNT LOAN PA0679726530B 10/05 150.00 OVER - THE - COUNTER WITHDRAWAL 10/09 30.79 ELECTRONIC/ACH DEBIT CVS CAREMARK 8007467287 132 10/10 39.36 ELECTRONIC/ACH DEBIT TARGET T2210 PURCHASE 0134 10/10 104.94 ELECTRONIC/ACH DEBIT FPL DIRECT DEBIT ELEC PYMT 0655894061 PPDA 10/10 224.65 ELECTRONIC/ACH DEBIT SN(888)296 -4290 SMART NOTE 000000342307012 10/12 102.14 ELECTRONIC/ACH DEBIT VZ WIRELESS VE VZW WEBPAY 4142129 10/12 80.54 ELECTRONIC/ACH DEBIT BROADWAY - BRINKS SECURITY 1344104 Withdrawals/Debits: 61 Balance Date Balance Collected Date Balance Collected Activity Balance Balance History 09/15 3,606.11 3,606.11 10/01 5,627.11 5,627.11 09/17 3,442.58 3,442.58 10/02 5,123.47 5,123.47 09/18 3,282.59 3,282.59 10/03 4,976.11 4,976.11 09/19 3,050.43 3,050.43 10/04 4,826.11 4,826.11 09/21 2,771.46 2,771.46 10/05 4,301.14 4,301.14 09/24 2,656.38 2,656.38 10/09 4,270.35 4,270.35 09/25 2,541.07 2,541.07 10/10 3,901.40 3,901.40 09/26 2,262.07 2,262.07 10/12 3,603.36 3,603.36 09/28 6,347.33 6,347.33 61939 Member FDIC SUNTRUST BANK Page�1�of4 P 0 BOX 622227 "5/0 /39 ORLANDO FL 32862 -2227 • 607 .. - 11/15/2012 Account SUNTRUST Statement !334353505009! LAUREN E GODDEN Questions? Please call 1819 NE 5TH ST 1- 800 - 786 -8787 BOYNTON BEACH FL 33 435 - 3505 THE PERFECT GIFT. THIS HOLIDAY SEASON IS EASY TO BUY EVERYONE EXACTLY WHAT THEY WANT. SUNTRUST GIFT CARDS MAKE GREAT GIFTS FOR FAMILY, FRIENDS AND BUSINESS ASSOCIATES. VISIT A SUNTRUST BRANCH TO PURCHASE GIFT CARDS TODAY. Account Account Type Account Number Statement Period Summary EVERYDAY CHECKING ;607 10/16/2012 - 11/15/2012 Description Amount Description Amount Beginning Balance $3,603.36 Average Balance $3,214.25 Deposits/Credits $4,219.94 Average Collected Balance $3,214.25 Checks $471.68 Number of Days in Statement Penoc 31 Withdrawals /Debits $5,198.59 Ending Balance $2,153.03 Deposits/ Date Amount Description Credits 10/31 4,188.27 ELECTRONIC✓ACH CREDIT STATE OF FLORIDA SALARY " "" 1116 11/13 31.67 CHECK CARD CREDIT TR DATE 11/08 ONE PRICE DRY CLEANERS BOYNTON BEACHFL Deposits /Credits: 2 Total Items Deposited: 0 Checks Check Amount Date Check Amount Date Check Amount Date Number Paid Number Paid Number Paid 136 350.00 10/16 139 15.00 10/31 142 15.00 11/15 137 21.68 10/17 140 40.00 11/06 138 15.00 10/24 141 15.00 11/08 Checks: 7 Withdrawals/ Date Amount Description Debits Paid 10/16 18.33 ELECTRONIC✓ACH DEBIT DIRECTV DIRECTV 4119350 10/16 25.01 POINT OF SALE DEBIT TR DATE 10/16 EAST HYPOLUXO BP LAKE WORTH FL 83820001 10/19 64.04 CHECK CARD PURCHASE TR DATE 10/16 ROCCO S TACO & TEQUILA WEST PALM BEAFL 10/22 6.00 CHECK CARD PURCHASE TR DATE 10/19 DON'S COFFEE SPOT IQPS WEST PALM BEAFL 10/22 9.49 CHECK CARD PURCHASE TR DATE 10/18 GOLDEN PHOENIX BOYNTON BEACHFL 10/22 12.00 CHECK CARD PURCHASE TR DATE 10/18 PRO NAILS SPA 1 INC BOYNTON BEACHFL 10/22 12.79 CHECK CARD PURCHASE TR DATE 10/19 TOOJAYS PALM BEACH WEST PALM BEAFL 10/22 70.81 POINT OF SALE DEBIT TR DATE 10/20 PUBLIX SUPER M BOYNTON BEACHFLP1041003 10/23 9.00 CHECK CARD PURCHASE TR DATE 10/20 DOLPHIN STADIUM CONC MIAMI FL 113825 Member FDIC Continued on next page SUNTRUST BANK Page 2 of 4 P 0 BOX 622227 -, ir. "'5/0 /39 ORLANDO FL 32862 -2227 607 11 /15 /2ui Account SUNTRUST Statement Withdrawals/ Date Amount Description Debits Paid 10/23 9.47 CHECK CARD PURCHASE TR DATE 10/21 DUNKIN #301559 Q35 W PALM BCH FL 10/23 19.19 CHECK CARD PURCHASE TR DATE 10/19 THE MARKET ON CLEMATIS WEST PALM BEAFL 10/23 29.55 CHECK CARD PURCHASE TR DATE 10/20 O'SHEA'S IRISH PUB WEST PALM BEAFL 10/23 35.95 CHECK CARD PURCHASE TR DATE 10/19 BAR LOUIE WEST PAL WEST PALM BEAFL 10/23 39.64 POINT OF SALE DEBIT TR DATE 10/22 ANTHROPOLOGIE WEST PALM BEAFL 04250003 10/24 224,65 ELECTRONIC/ACH DEBIT SN(888)296 -4290 SMART NOTE 000000345773596 10/24 18.10 CHECK CARD PURCHASE TR DATE 10/21 KABUKI RESTAURANT W PALM BEACH FL 10/24 24.33 CHECK CARD PURCHASE TR DATE 10/21 SLAINTE BOYNTON BEACHFL 10/25 13.66 CHECK CARD PURCHASE TR DATE 10/23 FUKU ASIAN CUISINE WEST PALM BEAFL 10/25 13.91 CHECK CARD PURCHASE TR DATE 1023 ZAZZLE.COM 08009809890 CA 10/25 37.08 POINT OF SALE DEBIT TR DATE 10/24 SPIRIT HALLOWE WEST PALM BEAFL 001 10/26 17.75 CHECK CARD PURCHASE TR DATE 10/24 CHEESECAKE WEST PALM B WEST PALM BCHFL 10/26 30.03 CHECK CARD PURCHASE TR DATE 10/24 LAKE AVE BP QPS WEST PALM BEAFL 10/29 13.00 CHECK CARD PURCHASE TR DATE 10/25 SUNSET BAR & GRILL WEST PALM BEAFL 10/29 34.72 POINT OF SALE DEBIT TR DATE 10/27 TARGET T1941 LAKE PARK FL 19410083 10/29 35.34 POINT OF SALE DEBIT TR DATE 10/26 PUBLIX SUPER M WEST PALM BEAFL P0848003 10/29 29.00 RECURRING CHECK CARD PURCHASE TR DATE 10/26 LIVINGSOCIAL* 202 - 695 -8945 DC 10/30 8.00 CHECK CARD PURCHASE TR DATE 10/28 O'SHEA'S IRISH PUB WEST PALM BEAFL 10/30 36.51 CHECK CARD PURCHASE TR DATE 10/27 GREASE BURGER BAR WEST PALM BEAFL 10/31 6.35 CHECK CARD PURCHASE TR DATE 10/29 BAGEL BOYZ WEST PALM BEAFL 10/31 14.25 POINT OF SALE DEBIT TR DATE 10/30 WILLIAMS -SONOM WEST PALM BEAFL 001 11/01 125.00 ELECTRONIC/ACH DEBIT CAPITAL ONE ONLINE PMT 230539919187882 11/01 250.00 ELECTRONIC/ACH DEBIT CHASE EPAY 1432882880 11/01 250.00 ELECTRONIC/ACH DEBIT BANK OF AMERICA ONLINE PMT CKF181930528POS 11/01 67.79 ELECTRONIC/ACH DEBIT ATT Payment 183680001EPAYD 11/01 10.80 CHECK CARD PURCHASE TR DATE 10/30 GRIMALDI'S PIZZA #0440 WEST PALM BEAFL 11/01 1,000.00 CHECK CARD PURCHASE TR DATE 10/30 EMBASSY SUITES WEST PA WEST PALM BCHFL 11/02 50.00 AUTOMATIC TRANSFER DEBIT SUNTRUST BANK TRANSFER 1000112040877 -0 11/02 144.38 ELECTRONIC/ACH DEBIT STATE FARM RO 27 SFPP 19 S 1036316119 11/02 77.28 POINT OF SALE DEBIT TR DATE 11/01 TARGET T2210 BOYNTON BEACHFL22100094 11/05 374.97 ELECTRONIC/ACH DEBIT AES STDNT LOAN PA06797265308 113826 Member FDIC Continued on next page SUNTRUST BANK Page ^ 4 P 0 BOX 622227 / 5/0 /39 ORLANDO FL 32862 -2227 /607 ....m... ■11/15/2012 Account S1JNTRUST Statement Withdrawals/ Date Amount Description Debits Paid 11/05 8.48 CHECK CARD PURCHASE TR DATE 10/31 KABUKI RESTAURANT W PALM BEACH FL 11/05 16.78 CHECK CARD PURCHASE TR DATE 11/03 LONGBOARDS WEST PALM BEAFL 11/05 5.15 POINT OF SALE DEBIT TR DATE 11/02 USPS 119442010 WEST PALM BEAFL 29414094 11/05 10.30 POINT OF SALE DEBIT TR DATE 11/02 USPS 119442010 WEST PALM BEAFL 29414094 11/05 11.99 POINT OF SALE DEBIT TR DATE 11/03 TARGET T2427 WEST PALM BEAFL 24270082 11/06 112.64 ELECTRONIC/ACH DEBIT GAP CC GAP EPAY 438614134 11/06 3.91 CHECK CARD PURCHASE TR DATE 11/03 MICHAELS #8729 WEST PALM BCHFL 11/06 16.00 CHECK CARD PURCHASE TR DATE 11/03 PARISIAN 20 220 QPS FT LAUDERDALEFL 11/06 18.00 CHECK CARD PURCHASE TR DATE 11/02 CLEMATIS PIZZA HEAVEN WEST PALM BCHFL 11/06 22.26 CHECK CARD PURCHASE TR DATE 11/02 BAR LOUIE WEST PAL WEST PALM BEAFL 11/06 27.00 POINT OF SALE DEBIT TR DATE 11/05 CVS 03887 Delray Beach FL 30388713 11/07 300.00 ELECTRONIC/ACH DEBIT AMEX EPayment ACH PMT W3066 11/07 224.65 ELECTRONIC/ACH DEBIT SN(888)296-4290 SMART NOTE 000000349171576 11/07 7.30 CHECK CARD PURCHASE TR DATE 11/03 ISLAND JACKS WEST PALM BEAFL 11/07 45.00 CHECK CARD PURCHASE TR DATE 11/05 LAKE AVE BP QPS WEST PALM BEAFL 11/08 96.00 ELECTRONIC/ACH DEBIT ATT Payment 280117001 MYW9R 11/09 102.14 ELECTRONIC/ACH DEBIT VZ WIRELESS VE VZW WEBPAY 6526123 11/09 8.96 CHECK CARD PURCHASE TR DATE 11/07 CHIPOTLE 0802 BOYNTON BEACHFL 11/09 27.21 CHECK CARD PURCHASE TR DATE 11/06 SLAINTE BOYNTON BEACHFL 11/09 27.00 POINT OF SALE DEBIT TR DATE 11/08 JCPENNEY STORE 2159 BOYNTON BCH FL 00000382 11/13 110.27 ELECTRONIC/ACH DEBIT FPL DIRECT DEBIT ELEC PYMT 0655894061 PPDA 11/13 8.87 CHECK CARD PURCHASE TR DATE 11/10 BOBBI SUES BBQ WP BEACH FL 11/13 10.53 CHECK CARD PURCHASE TR DATE 11/08 TOOJAY'S BOYNTON BEACH BOYNTON BEACHFL 11/13 12.00 CHECK CARD PURCHASE TR DATE 11/10 MURPHY6712ATWALMRT DELRAY BEACH FL 11/13 14.44 CHECK CARD PURCHASE TR DATE 11/09 GRIMALDI'S PIZZA #0440 WEST PALM BEAFL 11/13 24.02 CHECK CARD PURCHASE TR DATE 11/09 BAR LOUIE WEST PAL WEST PALM BEAFL 11/13 28.25 CHECK CARD PURCHASE TR DATE 11/08 ONE PRICE DRY CLEANERS BOYNTON BEACHFL 11/13 29.00 CHECK CARD PURCHASE TR DATE 11/11 DUFFY'S SPORTS GRILL W LAKE WORTH FL 11/13 31.67 CHECK CARD PURCHASE TR DATE 11/08 ONE PRICE DRY CLEANERS BOYNTON BEACHFL 11/13 39.04 CHECK CARD PURCHASE TR DATE 11/09 DUFFY'S SPORTS GRILL W LAKE WORTH FL 11/13 266.25 CHECK CARD PURCHASE TR DATE 11/08 ELEGANT IMAGERY INC PALM BAY FL 113827 Member FDIC Continued on next page SUNTRUST BANK Page 4 of 4 P 0 BOX 622227 *' ^ /39 ORLANDO FL 32862 -2227 _ 1607 11/15/2012 Account SUNTRUST Statement Withdrawals/ Date Amount Description Debits Paid 11/13 52.83 POINT OF SALE DEBIT TR DATE 11/10 CRATE & BARREL BOCA RATON FL 001 11/13 97.92 RECURRING CHECK CARD PURCHASE TR DATE 11/10 DTV'DIRECTV SERVICE 800 -347 -3288 CA 11/14 21.00 CHECK CARD PURCHASE TR DATE 11/12 GRIMALDI'S PIZZA#0440 WEST PALM BEAFL 11/14 28.14 CHECK CARD PURCHASE TR DATE 11/11 WINE DIVE, LLC WEST PALM BEAFL 11/14 20.00 RECURRING CHECK CARD PURCHASE TR DATE 11/12 LIVINGSOCIAL' 202 - 695 -8945 DC 11/15 40.27 ELECTRONICYACH DEBIT BROADWAY - BRINKS SECURITY 2799003 11/15 5.15 PO /NT OF SALE DEBIT TR DATE 11/15 USPS 119442010 WEST PALM BEAFL 29414094 Withdrawals/Debits: 78 Balance Date Balance Collected Date Balance Collected Activity Balance Balance History 10/16 3,210.02 3,210.02 11/01 4,768.41 4,768 41 10/17 3,188.34 3,188.34 11/02 4,496.75 4,496.75 10/19 3,124.30 3,124.30 11/05 4,069.08 4,069.08 10/22 3,013.21 3,013.21 11/06 3,829.27 3,829.27 10/23 2,870.41 2,870.41 11/07 3,252.32 3,252.32 10/24 2,588.33 2,588.33 11/08 3,141.32 3,141.32 10/25 2,523.68 2,523.68 11/09 2,976.01 2,976.01 10/26 2,475.90 2,475.90 11/13 2,282.59 2,282.59 10/29 2,363.84 2,363.84 11/14 2,213.45 2,213.45 10/30 2,319.33 2,319.33 11/15 2,153.03 2,153.03 10/31 6,472.00 6,472.00 113828 Member FDIC SUNTRUST BANK Pare 1 of 1 P 0 BOX 622227 ' 1 Ir i 75/0 /40 ORLANDO FL 32862 -2227 1.8 77 ........ 11/30/2u1e Account S ul(I'RUsT Statement !334353505199! LAUREN E GODDEN Questions? Please call 1819 NE 5TH ST 1- 800 - 786 -8787 BOYNTON BEACH FL 33435 -3505 THE PERFECT GIFT. THIS HOLIDAY SEASON IS EASY TO BUY EVERYONE EXACTLY WHAT THEY WANT. SUNTRUST GIFT CARDS MAKE GREAT GIFTS FOR FAMILY, FRIENDS AND BUSINESS ASSOCIATES. VISIT A SUNTRUST BRANCH TO PURCHASE GIFT CARDS TODAY. Account Account Type Account Number Statement Period Summary LIVE SOLID SAVINGS )877 10/01/2012 - 11/30/2012 INTERIM Description Amount Description Amount Beginning Balance $1,000.24 Average Balance $1,073.19 Deposits/Credits $100.00 Average Collected Balance $1,073.19 Checks $.00 Number of Days in Statement Period 61 Withdrawals/Debits $.00 Interest Paid Year to Date $.24 Ending Balance $1,100.24 Deposits/ Date Amount Description Credits 10/02 50.00 AUTOMATIC UUTRUST BANK TRANSFER CREDIT '77 -0 11/02 50.00 AUTOMATIC TRANSFER CREDIT SUNTRUST BANK TRANSFER ""77-0 Deposits/Credits: 2 Total Items Deposited: 0 Balance Date Balance Collected Date Balance Collected Activity Balance History 1,000.24 000.24 11,000.24 00.24 11 /02 1,100.24 1,100.24 10/02 1 70050 Member FDIC SUNTRUST BANK Page 1 of 3 P 0 BOX 622227 "5/0 /39 ORLANDO FL 32862 -2227 )607 07/16/2012 Account SU Statement !334353505009! LAUREN E GODDEN Questions? Please call 1819 NE 5TH ST 1- 800 - 786 -8787 BOYNTON BEACH FL 33435 -3505 HOW CAN WE HELP YOU FIND ONLINE DEALS? THE NEW MASTERCARD MARKETPLACETM FOR SUNTRUST ON FACEBOOK. STARTING JULY 2 VISIT WWW.FACEBOOK.COM / SUNTRUST TO FIND DEALS ON THE THINGS YOU USE EVERYDAY. CHOOSE FROM HUNDREDS OF DEALS INCLUDING CLOTHING, DINING, TRAVEL AND MORE. Account Account Type Account Number Statement Period Summary EVERYDAY CHECKING 607 06/15/2012 - 07/16/2012 Description Amount Description Amount Begmrnngg Balance 54,932.75 Average Balance 55,555.19 Deposits/Credits 54,078.77 Average Collected Balance 55,555.19 Checks 3660.18 Number of Days in Statement Period 32 *.Mthdrawais/Deblts 53,239.85 Ending Balance 55,111.49 Deposits/ Date Amount Description Credits 06/29 4,078.77 ELECTRONIC/ACH CREDIT STATE OF FLORIDA SALARY "" """ "' 1 894 Deposits/Credits: 1 Total Items Deposited: 0 Checks Check Amount Date I Check Amount Date j Check Amount Date Number Paid Number Paid ( Number Paid 128 20.18 06/27 129 40.00 07/06 130 600.00 07/12 Checks: 3 Withdrawals/ Date Amount Description Debits Paid 06/15 17.71 CHECK CARD PURCHASE TR DATE 06/13 CHIPOTLE 0881 WEST PALM BEAFL 06/18 26.30 CHECK CARD PURCHASE TR DATE 06/15 ROXY'S PUB WEST PALM BEAFL 06/18 42.33 POINT OF SALE DEBIT TR DATE 06/17 TARGET T0642 Delray Beath FL 06420078 06/19 22.58 CHECK CARD PURCHASE TR DATE 06/16 CRAZY BUFFET WEST PALM BEAFL 06/19 26.58 CHECK CARD PURCHASE TR DATE 06/16 GREASE BURGER BAR WEST PALM BEAFL 08/19 21.62 POINT OF SALE DEBIT TR DATE 06119 BATH & BODY WORKS WEST PALM BEAFL 00551186 06/20 224.65 ELECTRONIC/ACH DEBIT SN(888)296-4290 SMART NOTE 000000316907590 06/20 17.84 CHECK CARD PURCHASE TR DATE 06/17 KABUKI RESTAURANT W PALM BEACH FL 06/20 62.50 CHECK CARD PURCHASE TR DATE 06/19 PALM BEACH COUNTY BAR 561 -687 -2800 FL 06/20 25.00 POINT OF SALE DEBIT TR DATE 06/19 CVS 03887 Delray Beach FL 30388713 06/20 28.96 POINT OF SALE DEBIT TR DATE 06/19 ALDI 74085 DELRAY BEACH FL 91249301 66211 Member FDIC Continued on next page SUNTRUST BANK Page 2 of 3 P 0 BOX 622227 4 ;7anv /n'a5 /0 /39 ORLANDO FL 32862 -2227 '607 ..... u1 /.LO( 6 Account SurIrRusT Statement Withdrawals/ Date Amount Description Debits Paid 06/21 20.00 CHECK CARD PURCHASE TR DATE 06/20 GROUPON INC 877 - 788- 78581L 06/25 10.07 CHECK CARD PURCHASE TR DATE 06/21 KABUKI RESTAURANT W PALM BEACH FL 06/25 10.50 CHECK CARD PURCHASE TR DATE 06/22 GRIMALDI'S PIZZA #0440 WEST PALM BEAFL 0625 15.00 CHECK CARD PURCHASE TR DATE 06/20 DON RAMON TAKE OUT 24 WEST PALM BEAFL 06/25 15.00 CHECK CARD PURCHASE TR DATE 06/20 O'SHEA'S IRISH PUB WEST PALM BEAFL 06/26 3.00 CHECK CARD PURCHASE TR DATE 06/23 MIAMI PARKING AUTHORI T MIAMI FL 06/26 15.90 CHECK CARD PURCHASE TR DATE 06/23 SING - A-SONG HOLLYWOOD FL 06/26 20.14 CHECK CARD PURCHASE TR DATE 06/23 SMASHBOX 888 -763 -1361 PA 06/26 35.68 CHECK CARD PURCHASE TR DATE 06/23 O'SHEA'S IRISH PUB WEST PALM BEAFL 0627 4.00 CHECK CARD PURCHASE TR DATE 06/25 DON'S COFFEE SPOT IQPS WEST PALM BEAFL 06/27 52.41 POINT OF SALE DEBIT TR DATE 06/27 TARGET T2210 BOYNTON BEACHFL22100092 06/28 9.87 POINT OF SALE DEBIT TR DATE 06/27 CVS 03119 Boynton BeachFL 30311913 06/28 11.91 POINT OF SALE DEBIT TR DATE 06/27 PUBUX SUPER M BOYNTON BEACHFLP0196003 06/28 18.80 POINT OF SALE DEBIT TR DATE 06/28 WAL -MART #1589 DELRAY BEACH FL 24158901 06/28 50.25 POINT OF SALE DEBIT TR DATE 08/28 MURPHY6712ATWA DELRAY BEACH FL 92388901 06/29 4.76 CHECK CARD PURCHASE TR DATE 06/26 TROPICAL SMOOTHIE FOPS BOYNTON BEACHFL 06/29 36.33 CHECK ONE PRICE DRY CLEANERS BOYNTON BEACHFL � 06/27 07/02 25.00 ELECTRONIC/ACH DEBIT CAPITAL ONE ONLINE PMT 218139919281204 07/02 75.00 ELECTRONIC/ACH DEBIT CAPITAL ONE ONLINE PMT 218139919281203 07/02 100.00 E CNT S O N ICIACH DEBIT SPAY 1358904766 07/02 210.00 ELECTRONIC/ACH DEBIT AMERICAN EXPRESS ELEC REMIT 120629060341361 07/02 230.00 ELECTRONIC/ACH DEBIT BANK OF AMERICA ONLINE PMT CKF181930528POS 07/02 67.02 ELECTRONIC/ACH DEBIT ATT Payment 464928001EPAYP 07/02 20.00 CHECK CARD PURCHASE TR DATE 0627 MINUTECUNIC #20094 BOYNTON BEACHFL 07/02 7.00 POINT OF SALE DEBIT TR DATE 06/30 CVS 03119 Boynton BeachFL 30311913 07/02 34.00 POINT OF SALE DEBIT TR DATE 06/30 CVS 03119 Boynton BeachFL 30311913 07/02 15.00 RECURRIN CK CARD PURCHAS PURCHASE $ �5 RC DATE 0829 07/03 374.97 ELECTRONIC/ACH DEBIT AES STDNT LOAN PA0679726530B 07/03 139.88 ELECTRONIC/ACH DEBIT STATE FARM RO 27 SFPP 19 S 1036316119 07/03 10.87 CHECK CARD PURCHASE TR DATE 06/29 SALLOUN FOODS W PALM BEACH FL 07/03 20.00 CHECK MINUTECLINIC 06/30 NIC #20094 BOYNTON BEACHFL 66212 Member FDIC Continued on next page SUNTRUST BANK Pae 3 of 3 P 0 BOX 622227 r-71,,,..7/A175/0 /39 ORLANDO FL 32862 -2227 ■607 ...--.... 07 /lb /Gull Account SUNTRU Statement Withdrawals/ Data Amount Description Debits Paid 07/03 40.27 CHECK CARD PURCHASE TR DATE 06/30 BROADVIEW SECURITY 800 - 445-0872 TX 07/03 10.16 POINT OF SALE DEBIT TR DATE 07/03 CVS 05205 Boynton BeachFL 30520501 07/03 49.21 POINT OF SALE DEBIT TR DATE 07/02 yr{ Super BOYNTON FL 59110018 07/05 224.65 ELECTRONI/ACH DEBIT SN(888)296-4290 SMART NOTE 000000320129376 07/05 10.07 CHECK CARD PURCHASE TR DATE 07/02 KABUKI RESTAURANT W PALM BEACH FL 07/05 15.00 CHECK CARD PURCHASE TR DATE 07/03 GROUPON INC 877 - 788 -7858 IL 07/05 16.15 CHECK CARD PURCHASE TR DATE 07/02 ONE PRICE DRY CLEANERS BOYNTON BEACHFL 07/05 28.33 POINT OF SALE DEBIT TR DATE 07/04 PUBLIC SUPER M WEST PALM BEAFL P0848003 07/06 62.79 ELECTRONICJACH DEBIT GAP CC GAP EPAY 396792408 07/06 7.37 CHECK CARD PURCHASE TR DATE 07/03 SALLOUN FOODS W PALM BEACH FL 07/09 101.94 ELECTRONIC/ACH DEBIT VZ WRELESS VE VZW WEBPAY 5241577 07/09 35.51 CHECK CARD PURCHASE TR DATE 07/05 LION COUNTRY SAFARI IN LOXAHATCHEE FL 07/09 37.65 POINT OF SALE DEBIT TR DATE 07/07 BEDBATH&BEYOND JACKSONVILLE FL 01540005 07/09 40.56 POINT OF SALE DEBIT TR DATE 07/08 J CREW FACTORY #72 VERO BEACH FL 00000003 07/10 11.30 CHECK CARD PURCHASE TR DATE 07/06 MCDONALD'S F17785 VERO BEACH FL 07/10 10.00 REC CHECK CARD PURCHASE TR ATE 07/07 945 DC LI* 07/11 97.76 ELECTRONIC/ACH DEBIT FPL DIRECT DEBIT ELEC PYMT 0655894061 PPDA 07/11 6.82 CHECK CARD PURCHASE TR DATE 07/08 RACETRAC156 00001560 ST AUGUSTINE FL 07/11 20.00 CHECK CARD PURCHASE TR DATE 07/08 GRATIFY WEST PALM BEAFL 07/11 33.59 CHECK CARD PURCHASE TR DATE 07/08 KABUKI RESTAURANT W PALM BEACH FL 07/11 17.86 POINT OF SALE DEBIT TR DATE 07/10 PUBLIC SUPER M DELRAY BEACH FL P0195003 07/13 40.49 POINT OF SALE DEBIT TR DATE 07/12 TARGETT2210 BOYNTON BEACHFL22100092 07/13 103.76 RECURRING CHECK CARD PURCHASE TR DATE 07/11 DTV•DIRECTV SERVICE 800-347 -3288 CA 07/16 40.18 POINT OF S U E R M DEBIT / PALM BEACH GRFL P0212004 Withdrawals/Debits: 66 Balance Activity Date Balance Collected Data Balance Balance Collected ed Balance History 06/15 4,915.04 4,915.04 07/02 7,358.63 7,358.63 06/18 4,846.41 4,848.41 07/03 8,713.27 6,713.27 06/19 4,775.63 4,775.63 07/05 6,419.07 6,419.07 06/20 4,416.68 4,416.88 07/06 6,308.91 6,308.91 06/21 4,396.68 4,396.68 07/09 6,09325 8,093.25 06/25 4,346.11 4,346.11 07/10 6,071.95 6,071.95 06/26 4,271.39 4,271.39 07/11 5,895.92 5,895.92 06/27 4,194.80 4,194.80 07/12 5,295.92 5,295.92 06/28 4,103.97 4,103.97 07/13 5,151.67 5,151.87 06/29 8,141.65 8,141.65 07/16 5,111.49 5,111.49 66213 Member FDIC SUNTRUST BANK Page 1 of 4 P 0 BOX 622227 ^ ^''"" '5/0 /39 ORLANDO FL 32862 -2227 4607 �� 08/14/2012 Account SUNTRUST Statement !334353505009! LAUREN E GODDEN Questions? Please call 1819 NE 5TH ST 1- 800 - 786 -8787 BOYNTON BEACH FL 33435 -3505 DID YOU KNOW WE CAN HELP WITH MORE CONVENIENT WAYS TO MONITOR YOUR MONEY? YOU CAN CHECK A BALANCE OR VIEW A RECENT TRANSACTION IN SECONDS WITH SUNTRUST TEXT BANKING. ALSO TRY MOBILE ALERTS TO SEND YOU NOTIFICATIONS WHEN YOU NEED THEM MOST. VISIT SUNTRUST .COM /MOBILEBANKING TO LEARN MORE. Account Account Type Account Number Statement Period Summary EVERYDAY CHECKING $607 07/172012 - 08/14/2012 Description Amount Description Amount Beginning Balance $5,111.49 Average Balance $5,241.02 Deposits/Credits $4,188.26 Average Collected Balance $5,241.02 Checks $.00 Number of Days in Statement Period 2 Withdrawats1Debits $4,251.39 Ending Balance $5,048.36 Deposits/ Date Amount Description Credits 07/31 4,188.26 ELEC ON!C/ACHCREDIT STATE OF FLORIDA SALARY ""°" "'4140 Deposits/Credits: 1 Total Items Deposited: 0 Withdrawals/ Date Amount Description Debits Paid 07/17 6.13 CHECK CARD PURCHASE TR DATE 07/15 DUNKIN #344961 Q35 W PALM BCH FL 07/17 14.19 CHECK CARD PURCHASE TR DATE 07/13 KABUKI RESTAURANT W PALM BEACH FL 07/17 20.00 CHECK CARD PURCHASE TR DATE 07/15 KABUKI RESTAURANT W PALM BEACH FL 07/17 31.00 CHECK SE O'SHEAS IRISH PUB WEST PALM BEAFL 07/15 07/17 45.00 POIN SALE DEBIT Delray Beach 7 TR DATE 07/1 713 07/18 224.65 ELECTRONICIACH DEBIT SN(888)298-4290 SMART NOTE 000000323172675 07/18 6.52 CHECK CARD PURCHASE TR DATE 07/15 GREEN OLIVE MARKETPLAC WEST PALM BEAFL 07/18 10.81 CHECK PURCHASE � 07/16 SALAD SENSATIONS PALM BEACH 07/18 36.34 POINT OF SALE DEBIT TR DATE 07/17 CRACKER BARREL OCALA FL F8895063 07/19 19.88 CHECK CARD PURCHASE TR DATE 07/15 CITY CELLAR WINE BAR & WEST PALM BEAFL 07/19 20.18 CHECK ONE PRICE DRY CLEANERS BOYNTON BEACHFL 07/17 FL 07/19 60.54 CHECK CARD PURCHASE TR DATE 07/17 ONE PRICE DRY CLEANERS BOYNTON BEACHFL 07/19 6.54 POINT OF SALE DEBIT TR DATE 07/19 DOLLAR TREE #0 MOBILE AL 001 07/20 4.36 POINT OF SALE DEBIT TR DATE 07/19 DOLLAR TREE #0 MOBILE AL 001 62695 Member FDIC Continued on next page SUNTRUST BANK Page 2 of 4 P 0 BOX 622227 el nnh /n /0 /39 ORLANDO FL 32862 -2227 '607 U0/14/4u12 Account SUNTRUST Statement Withdrawals/ Date Amount Description Debits Paid 07/23 21.01 CHECK CARD PURCHASE TR DATE 07/19 DEW DROP INN MOBILE AL 07/23 23.00 CHECK CARD PURCHASE TR DATE 07/19 DREAM NAILS MOBILE AL 07/23 17.40 POINT OF SALE DEBIT TR DATE 07/23 ALDI 74085 DELRAY BEACH FL 91249301 07/23 28.73 PO /NT OF SALE DEBIT TR DATE 07/23 Wal -Mart Super DELRAY BEACH FL 15890004 07 /23 35.01 POINT OF SALE DEBIT TR DATE 07/23 MURPHY6712ATWALMRT DELRAY BEACH FL 92368901 07 /24 3.51 CHECK CARD PURCHASE TR DATE 07 /21 SERDA'S COFFEE COMPANY MOBILE AL 07 /24 13.63 CHECK CARD PURCHASE TR DATE 07t21 WEBERS DEPT STORE MOBILE AL 07 /24 31.39 CHECK CARD PURCHASE TR DATE 07 /21 RED OR WHITE WINE MOBI MOBILE AL 07 /24 46.34 POINT OF SALE DEBIT TR DATE 07 /23 WaI -Mart Super BOYNTON FL 59110010 07 /25 35.00 ELECTRONIC/ACH DEBIT CAPITAL ONE ONLINE PMT 220639919180789 07 /25 8.58 CHECK CARD PURCHASE TR DATE 07 /22 TCBY #9034903 TALLAHASSEE FL 07 /25 17.92 CHECK CARD PURCHASE TR DATE 07 /23 CHIPOTLE 0802 BOYNTON BEACHFL 07 /25 29.41 CHECK CARD PURCHASE TR DATE 07 /22 HOOTERS CRESTVIEW CRESTVIEW FL 07 /26 150.00 ELECTRONIC/ACH DEBIT CHASE EPAY 1374834979 07 /26 5.00 RECURRING CHECK CARD PURCHASE TR DATE 07 /24 MC DIAG OF FLORIDA LLC 866 - 3892727 MN 07 /27 20.00 RECURRING CHECK CARD PURCHASE TR DATE 07 /25 L.IVINGSOCIAL 202 - 695-8945 DC 07/30 14.72 CHECK CARD PURCHASE TR DATE 07/26 KABUKI RESTAURANT W PALM BEACH FL 07/30 59.00 CHECK CARD PURCHASE TR DATE 07 /27 GROUPON INC 877- 788 -7858 IL 07/30 37.28 POINT OF SALE DEBIT TR DATE 07/29 TARGET T2427 WEST PALM BEAFL 24270078 07/31 100.00 ELECTRONIC/ACH DEBIT CAPITAL ONE ONLINE PMT 221239919250918 07/31 11.00 CHECK CARD PURCHASE TR DATE 07 /28 CLEMATIS PIZZA HEAVEN WEST PALM BCHFL 07/31 22.50 CHECK CARD PURCHASE TR DATE 07 /29 O'SHEA'S IRISH PUB WEST PALM BEAFL 07/31 37.21 CHECK CARD PURCHASE TR DATE 07 /28 KABUKI RESTAURANT W PALM BEACH FL 07/31 39.55 CHECK CARD PURCHASE TR DATE 07 /28 O'SHEA'S IRISH PUB WEST PALM BEAFL 07/31 25.00 RECURRING CHECK CARD PURCHASE TR DATE 07 /28 LIVINGSOCIAL• 202 -695 -8945 DC 08/01 225.00 ELECTRONIC/ACH DEBIT AMEX EPayment ACH PMT W2540 08/01 67.56 ELECTRONIC/ACH DEBIT ATT Payment 665162001EPAYB 08/01 224.65 ELECTRONIC/ACH DEBIT SN(888)296 -4290 SMART NOTE 000000326092150 08/01 7.37 CHECK CARD PURCHASE TR DATE 07/30 MEDITERRANEAN MARKET WEST PALM BEAFL 08/01 131.00 RECURRING CHECK CARD PURCHASE TR DATE 07/31 ATT'BILL PAYMENT 800- 288 -2020 TX 08/02 89.11 ELECTRONIC/ACH DEBIT GAP CC GAP EPAY 405211341 62696 Member FDIC Continued on next page I SUNTRUST BANK Page 3 of 4 P 0 BOX 622227 63/B07/n1 -7 5/0 /39 ORLANDO FL 32862 -2227 607 08 /14,..vi.e Account SU Statement Withdrawals/ Date Amount Description Debits Paid 08/02 250.00 ELECTRON /GACH DEBIT BANK OF AMERICA ONLINE PMT CKF181930528POS 08/02 374.97 ELECTRONICiACH DEBIT AES STDNT LOAN PA06797265308 08/02 139.88 ELECTRON/ C/A CH DEBIT STATE FARM RO 27 SFPP 19 S 1036316119 08/02 17.98 CHECK CARD PURCHASE TR DATE 07/30 SHELL OIL 57545243107 PALM BEACH FL 08/02 26.38 POINT OF SALE DEBIT TR DATE 08/02 MIDAS WEST PALM BEACH WEST PALM BEAFL 03643041 08/02 57.23 POINT OF SALE DEBIT TR DATE 08/02 CUMBERLAND FARMS 0947 W PALM BEACH FL 34362502 08/02 110.22 POINT OF SALE DEBIT TR DATE 08/02 BEDBATH &BEYOND W PALM BEACH FL 00550051 08/03 25.20 CHECK CARD PURCHASE TR DATE 07/31 GREASE BURGER BAR WEST PALM BEAFL 08/03 31.00 CHECK CARD PURCHASE TR DATE 07/31 ROCCO S TACO & TEQUILA WEST PALM BEAFL 08/03 22.56 POINT OF SALE DEBIT TR DATE 08/03 TOTAL WINE AND JACKSONVILLE FL 80080564 08/06 42.50 ATM CASH WITHDRAWAL TR DATE 08/04 LOCALS JACKSONVILLE FL 83931769 08/06 3.16 CHECK CARD PURCHASE TR DATE 08/02 MOTOR CITY CAR WASH - WEST PALM BEAFL 08/06 27.00 CHECK CARD PURCHASE TR DATE 08/03 UNIQUE NAILS SALON JACKSONVILLE FL 08/06 32.00 CHECK CARD PURCHASE TR DATE 08/03 GROUPON INC 877 - 788 -7858 IL 08/06 39.14 POINT OF SALE DEBIT TR DATE 08/05 PUBLIX SUPER M BOYNTON BEACHFLP1041003 08/06 40.00 POINT OF SALE DEBIT TR DATE 08/05 FLYING J #626 SAINT AUGUST FL 87789101 08/06 2.00 ATM CASH WITHDRAWAL FEE 08/07 101.94 ELEC7RONIC/ACH DEBIT VZ WIRELESS VE VZW WEBPAY 9418383 08/07 52.12 CHECK CARD PURCHASE TR DATE 08/05 LOCAL'S BAR AND GRILL JACKSONVILLE FL 08/08 35.01 POINT OF SALE DEBIT TR DATE 08/07 MURPHY6712ATWALMRT DELRAY BEACH FL 92368901 08/09 40.00 ATM CASH WITHDRAWAL TR DATE 08/08 WEST PALM BEACH #2 W PALM BEACH FL R451 FL040 08/09 11.81 CHECK CARD PURCHASE TR DATE 08/06 TINA'S CAFE WEST PALM BEAFL 08/10 141.64 ELECTRONIC/ACH DEBIT FPL DIRECT DEBIT ELEC PYMT 0655894061 PPDA 08/10 8.00 CHECK CARD PURCHASE TR DATE 08/08 RST'RESTAURANT.COM 800 - 9798985 IL 08/13 3.00 CHECK CARD PURCHASE TR DATE 08/09 ONE PARKING CP SP WEST PALM BEAFL 08/13 4.03 CHECK CARD PURCHASE TR DATE 08/09 SUBWAY 03253168 WEST PALM BEAFL 08/13 10.00 CHECK CARD PURCHASE TR DATE 08/11 GROUPON INC 877- 788 -7858 IL 08/13 22.19 CHECK CARD PURCHASE TR DATE 08/10 ONE PRICE DRY CLEANERS BOYNTON BEACHFL 08/13 35.00 CHECK CARD PURCHASE TR DATE 08/11 GROUPON INC 877 - 788 -7858 IL 08/13 40.27 CHECK CARD PURCHASE TR DATE 08/09 BROADVIEW SECURITY 800-445-0872 TX 08/13 52.95 CHECK CARD PURCHASE TR DATE 08/08 YARD HOUSE PLM BCH GRD PALM BEACH GAFL 08/13 29.00 POINT OF SALE DEBIT TR DATE 08/11 JCPENNEY STORE 2159 BOYNTON BCH FL 00000383 62697 Member FDIC Continued on next page SUNTRUST BANK Page 4 of 4 P 0 BOX 622227 ' 7Rn'7 /ni'75 /0 /39 ORLANDO FL 32862 -2227 '607 ■■--.. Wf.L't /LU1L Account SU N1'RIJS T Statement Withdrawals/ Date Amount Description Debits Paid 08/13 38.02 POINT OF SALE DEBIT TR DATE 08/11 TARGET T2210 BOYNTON BEACHFL22100092 08/13 44.61 POINT OF SALE DEBIT TR DATE 08/12 TARGET T2210 BOYNTON BEACHFL22100093 08/13 85.98 POINT OF SALE DEBIT TR DATE 08/10 TARGET T2210 BOYNTON BEACHFL22100082 08/13 146.58 RECURRING CHECK CARD PURCHASE TR DATE 08/10 DTV'DIRECTV SERVICE 800 -347 -3288 CA 08114 25.00 POINT OF SALE DEBIT TR DATE 08/13 CVS 03887 Delray Beach FL 30388713 Wrthd rawa ls/Debits: 82 Balance Date Balance Collected Date Balance Collected Activity Balance Balance History 07/17 4,995.17 4,995.17 08/01 7,305.84 7,305.84 07/18 4,716.85 4,716.85 08/02 6,240.07 6,240.07 07/19 4,609.71 4,609.71 08/03 6,161.31 6,161.31 07/20 4,605.35 4,605.35 08/06 5,975.51 5,975.51 07/23 4,480.20 4,480.20 08/07 5,821.45 5,821.45 07/24 4,385.33 4,385.33 08/08 5,786.44 5,786.44 / 07125 4,294.42 4,294.42 08/09 5,734.63 5,734.63 5,584.99 07/26 4,139.42 4,139.42 08/10 5,584.99 07/27 4,119.42 4,119.42 08/13 5,073.36 5,073.36 07/30 4,008.42 4,008.42 08/14 5,048.36 5,048.36 07/31 7,961.42 7,961.42 c 62698 Member FDIC • • 2g NIONTINCTIONIt CLAU 810011111111111117if - Pow nowoommorolof wellolo alb a OMR boo Owl AM be. or ow 1110 IMPIACIIIIINIf MINN 1111111116/0 vanes is an OP MOMS CM WIN OIMIL MD SOY of MOMS MOM /11411111/ APIs kiwi% ■ 111•0•0. WNW 1,Mor• ____-■•■1111111111111111111111111111111111111111 • • • Experian - Printable Full Report Page 1 of 28 : : Experian- Close window A world of insight Online Personal Credit Report from Experian for Experian credit report prepared for Index: LAUREN GODDEN - Contact us Your report number is - Potentially negative Items 0472 - 3327 -79 - Accounts In good standing Report date: - Reouests for your credit history 12/06/2012 - Personal Information - Important message from Experian - Know your rights Experian collects and organizes information about you and your credit history from public records, your creditors and other reliable sources. By law, we cannot disdose certain medical Information (relating to physical, mental, or behavioral health or condition). Although we do not generally collect such information, it could appear in the name of a data furnisher (i.e., "Cancer Center") that reports your payment history to us. If so, those names display in your report, but in reports to others they display only as "Medical Information Provider." Consumer statements included on your report at your request that contain medical information are disclosed to others To retum to your report in the near future, log on to www.experian.com /consumer and select 'View your report again" or "Dispute" and then enter your report number. If you disagree with information in this report, retum to the Report Summary page and follow the Instructions for disputing. Contact us — back to ton Need to view your report again or dispute information? Access your report online at www.experian.comMewreport You may also contact us by mail at: NCAC P.O. Box 9701 Allen, TX 75013 Or, by phone at: 1 800 493 1058 Monday through Friday, 9 am to 5 pm in your time zone. Potentially Negative Items or items for further review pack to top This information is generally removed seven years from the initial missed payment that led to the delinquency. Missed payments and most public record items may remain on the credit report for up to seven years, except Chapters 7, 11 and 12 bankruptcies and unpaid tax liens, which may remain for up to 10 years. A paid tax lien may remain for up to seven years. Transferred accounts that have not been past due remain up to 10 years after the date the account was transferred Payment history legend OK Current/Terms of agreement met VS Voluntarily surrendered 30 Account 30 days past due R Repossession 60 Account 60 days past due P8C Paid by creditor 90 Account 90 days past due IC Insurance claim 120 Account 120 days past due G Claim filed with government 150 Account 150 days past due D Defaulted on contract 180 Account 180 days past due C Collection CRD Creditor received deed CO Charge oft FS Foreclosure proceedings started CLS Closed F Foreclosed ND No data for this time period Credit Items httns : / /annualcreditreport.experian. corn/ AnnualCreditReport /t;ac/FullReport.do 12/6/2012 Experian - Printable Full Report Page 2 of 28 For your protection, the last few digits of your account numbers do not display. AMERICAN EDUCATION SERVICES Address: Account Number: 1200 N 7TH ST 679726530PA0.... HARRISBURG, PA 17102 (800) 233 -0557 Address Identification Number: 0074505768 Status: Claim filed with govemment. Date Opened: Type: Credit Limit/Original Amount: 10/2002 Education $3,350 Reported Since: Terms: High Balance: 1212003 112 Months NA Date of S Monthly Payment Recent Balance: 09/2006 NA Last Reported: Responsibility: Recent Payment 0912006 Signer with JAMES H GODDEN NA Creditor's Statement: Transferred to recovery. Payment History: 2006 2005 SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB G 180 180 180 150 120 90 60 OK OK OK OK OK OK OK OK OK OK OK OK 2004 2003 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC OK OK OK OK OK OK OK OK OK OK OK OK OK OK Account History: Claim filed with the government as of Sep 2006 180 days past due as of Jun 2006 to Aug 2006 150 days past due as of May 2006 120 days past due as of Apr 2006 90 days past due as of Mar 2006 60 days past due as of Feb 2006 BANK ATLANTIC Address: Account Number: 2100 W CYPRESS CREEK RD 150265030.... FORT LAUDERDALE, FL 33309 (954) 940 -5000 Address Identification Number: 0682313802 Status: Closed. Date Opened: Type: Credit Limit/Original Amount: 03/2008 Mortgage $191,900 Reported Since: Terms: High Balance: 04/2008 30 Years NA Date of St atus: Monthly Payment: Recent Balance: 09/2012 $0 NA Last Reported: Responsibility: Recent Payment: 09/2012 Individual Creditor's Statement: Purchased by another lender. Payment History: 2012 2011 SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB 150 120 90 60 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2010 2009 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN OK OK OK 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2008 MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR OK OK 30 OK OK OK OK OK OK OK OK OK OK OK Account History: 150 days past due as of Sep 2012 120 days past due as of Aug 2012 90 days past due as of Jul 2012 60 days past due as of Jun 2012 30 days past due as of May 2012, Oct 2010, Mar 2009 Balance History - The following data will appear in the following format: account balance / date payment received /scheduled payment amount/ actual amount paid https: / /annualcreditreport.experian. corn/ AnnualCreditReport/cac /FullReport.do 12/6/2012 Experian - Printable Full Report Page 3 of 28 Aug 2012: $181,526 / April 10, 2012 / $1,220 / no data Jul 2012: $181,526 /April 10, 2012 / 51,220 / no data Jun 2012: $181,528 / April 10, 2012 / $1,220 / no data May 2012: $181,526 / April 10, 2012 / $1,220 / no data Apr 2012: $181,5261 April 10, 2012 / $1,220 / no data Mar 2012: $181,768 / March 9, 2012 / $1,220 / no data Feb 2012: 5182,009 / February 21, 2012 / $1,220 / no data Jan 2012: $182,248 / January 11. 2012 / 51,220 / no data Dec 2011: 5182,486 / December 12, 2011 / 51,228 / no data Nov 2011: 5182,723 / November 16, 2011 / $1,228 / no data Oct 2011: 5182,959 / October 14, 2011 / $1,228 / no data Sep 2011: $183,193 / September 15, 2011 / $1,2281 no data Aug 2011: $183,427 / August 15, 2011 / $1,228 / no data Jul 2011: $183,659 / July 18, 2011 / 51,228 / no data Jun 2011: 5183,890/ June 13, 2011 / 51,228 / no data May 2011: $184,120 / May 17, 2011 / $1,228 / no data Apr 2011: $184,349 / April 18, 2011 / $1,228 / no data Mar 2011: 5184,576 / March 11, 2011 / $1,228 / no data Feb 2011: 5185,028 January 10, 2011 / $1,228 / no data Jan 2011: $185,028 / January 10, 2011 / 51,228 / no data Dec 2010: $185,253 / December 13, 2010 / $1,353 / no data The original amount of this account was $191,900 CAPITAL ONE Address: Account Number: PO BOX 30281 517805987824.... SALT LAKE CITY, UT 84130 (800) 955 - 7070 Address Identification Number: 0686245488 Status: Open Status Details: By Jun 2014, this account is scheduled to go to a positive status Date Opened: Type: Credit Limit/Original Amount: 1212003 Credit card 5500 Reported Since: Terms: High Balance: 12/2003 5605 NA Date of Status: Monthly Payment: Recent Balance: 10/2007 $15 $0 as of 11/2012 Last Reported: Responsibility: Recent Payment: 1112012 $ Individual Payment History: 2012 2011 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2010 2009 MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2008 2007 JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2006 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR OK OK 30 OK OK ND OK OK OK 30 OK OK OK OK OK OK OK OK OK OK 2005 MAR FEB JAN DEC OK OK OK OK Account History: 30 days past due as of Sep 2007. Feb 2007 Balance History - The following data will appear in the following format: account balance /date payment received /scheduled payment amount /actual amount paid Oct 2012: 50 / September 18, 2012 1 515 / 598 Sep 2012: $98 / August 23, 2012 / 515 / 5100 Aug 2012: 5195) July 24, 2012 / $15 / 535 Jul 2012: 5226/ June 29,2012/515/525 Jun 2012: 5246/ May 31, 2012 / 515 / 540 May 2012: 5281 / April 24, 2012 / 515 / 5200 Apr 2012: $379 / March 30, 2012 / $17 / $100 Mar 2012: $418 / February 29, 2012 / 515 / 575 Feb 2012: 5168 / January 31, 2012 / 515 / 5100 Jan 2012: $29 / December 31, 2011 /515 / 530 Dec 2011: $59 / September 30, 2011 / 515 / 550 Nov 2011: 50 / September 30, 2011 / 53 / 550 Oct 2011: $0 / September 30, 2011 / $3 / 550 Sep 2011: S0/ May 23, 2011/$3/ Aug 2011: SO / May 23, 2011 / 53 /533 • .., .r -- T-- ,1„ a_ 1'1/4/7(11 Experian - Printable Full Report Page 4 of 28 Jul 2011: SO / May 23, 2011 / 53 / 533 Jun 2011: $0 / May 23, 2011 / 531533 May 2011: $3 / AprI1 26, 2011 / 53 / 5156 Apr 2011: $376 / April 1, 2011 / 518 1 5100 Mar 2011: $365 / February 28, 2011 / $15 / 5100 Feb 2011: 5408 / February 2, 2011 / $181$1 DO Jan 2011: 5469 / December 27, 2010 / 519 / $75 Dec 2010: $526 / November 30, 2010/518 / 530 Between Dec 2010 and Oct 2012, your credit limit/high balance was $500 CITI/EDSOUTH Address: Account Number: 99 GARNSEY RD 9999992.... PITTSFORD, NY 14534 (800) 967-2400 Address Identification Number. 0686245488 Status: Transferred,closed. Deferred, payment date not reported Date Opened: Type: Credit Limit/Original Amount: 12/2005 Education $55,892 Reported Since: Terms: High Balance: 01/2006 300 Months NA Date of Status: Monthly Payment: Recent Balance: 1112011 NA Last Reported: Responsibility: Recent Payment: 11/2011 NA Individual Payment History: 2011 2010 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR CLS OK OK OK OK OK OK OK OK 30 OK OK OK OK OK OK OK OK OK OK 2009 2008 MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2007 2008 JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN OK OK OK OK OK ND OK OK OK OK OK Account History: 30 days past due as of Feb 2011 Balance History - The following data will appear in the following format: account balance / date payment received / scheduled payment amount/ actual amount paid Oct 2011: $46,250 / October 19, 2011 / 5259 / no data Sep 2011: 546,396 / September 21, 2011 / 5259 / no data Aug 2011: 546,546 / August 17, 2011 / $259 / no data Jul 2011: 546,693 / July 21, 2011 / 5259 / no data Jun 2011: $46,838 / June 3, 2011 /5259 /no data May 2011: 546,986 / May 23, 2011 / $259 / no data Apr 2011: $47,1331 April 20, 2011 / $259 / no data Mar 2011: $47,281 / March 10, 2011 1$259 / no data Feb 2011: $47,945 / December 29, 2010 / 5259 / no data Jan 2011: $47,840 / December 29, 2010 / 5259 / no data Dec 2010: $47,723 / December 29, 2010 / $259 / no data The original amount of this account was $55,892 CITI/EDSOUTH Address: Account Number: 99 GARNSEY RD 9999992.... PITTSFORD, NY 14534 (800) 967 -2400 Address Identification Number: 0688245488 Status: Transferred,closed. Deferred, payment date not reported Date Opened: Type: Credit Limit/Original Amount: 12/2005 Education 538,607 Reported Since: Terms: High Balance: Date of Status: 300 Months Recent Balance: https: / /annualcreditreport. experian. com /AnnualCreditReport/cac /FullReport.do 12/6/2012 Experian - Printable Full Report Page 5 of 28 11/2011 Monthly Payment: NA Last Reported: 50 Recent Payment 11/2011 Responsibility: NA Individual Payment History: 2011 2010 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR CLS OK OK OK OK OK OK OK OK 30 OK OK OK OK OK OK OK OK OK OK 2009 2008 MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2007 2006 JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN OK OK OK OK OK ND OK OK OK OK OK Account History: 30 days past due as of Feb 2011 Balance History - The following data will appear in the following format: account balance /date payment received /scheduled payment amount / actual amount pain Oct 2011: $32,147 / October 19, 2011 / $180 / no data Sep 2011: $32,2491 September 21, 2011 / 5180 / no data Aug 2011: 532,353 / August 17, 2011 / 5180 / no data Jul 2011: 532,454 / July 21, 2011 / $180 / no data Jun 2011: 532,555 / June 3, 2011 / $180 / no data May 2011: 532,659 / May 23, 2011 / $180 / no data Apr 2011: 532,760 / April 20, 2011 1 $180 / no data Mar 2011: $32,863 / Mangy 10, 2011 / $180 / no data Feb 2011: $33,323 / December 29, 2010 / 5180 / no data Jan 2011: 533,250 / December 29, 2010 / $180 / no data Dec 2010: $33,169 / December 29, 2010 ! 5180 1 no data The original amount of this account was $38,607 COMENITY BANK/ANNTYLR Address: Account Number: PO BOX 182789 585637304100... COLUMBUS, OH 43218 No phone number available Address Identification Number 0686245488 Status: Closed Date Opened: Type: Credit Limit/Original Amount: 01/2009 Charge Card 5500 Reported Since: Terms: High Balance: 02/2009 NA 5125 Date of Status: Monthly Payment Recent Balance: 07/2009 510 SO as of 07/2009 Last Reported: Responsibility: Recent Payment: 07/2009 Individual $85 Your Statement: Account closed at consumers request. Payment History: 2009 JUL JUN MAY APR MAR FEB CLS OK 60 30 OK OK Account History: 60 days past due as of May 2009 30 days past due as of Apr 2009 ENHANCED RECOVERY CO LLC Address: Account Number. Original Creditor: 8014 BAYBERRY RD 66950239 AT T JACKSONVILLE, FL 32256 (800) 496-8941 Address Identification Number: 0686245488 Status: Collection account. 5294 past due as of Oct 2012. Status Details: This account is scheduled to continue on recorc until Jul 2018 hrrnc / /anni ialcreditrenort.exnerian. com/ AnnualCreditReport /cac/FullReport.dO 12/6/2012 Experian - Printable Full Report Page 6 of 28 Date Opened: Type: Credit Limit/Original Amount 09/2012 Collection $294 Reported Since: Terms: High Balance: 10/2012 1 Months NA Date of Status: Monthly Payment Recent Balance: 10/2012 50 $294 as of 10/2012 Last Reported: Responsibility: Recent Payment 10/2012 50 Individual Payment History: 2012 OCT C Account History: Collection as of Oct 2012 Accounts in Good Standing back to top These items may stay on your credtt report for as long as they are open. Once an account is dosed or paid off it may continue to appear on your report for up to ten years. AMERICAN EDUCATION SERVICES Address: Account Number: PO BOX 2461 679726530PA0._ HARRISBURG, PA 17105 No phone number available Address Identification Number: 0686245488 Status: Open/Never late. Date Opened: Type: Credit Limit/Original Amount: 12/2005 Education 538,607 Reported Since: Terms: High Balance: 01/2012 291 Months Date of Status: Monthly Payment: Recent Balance: 11/2012 $153 $31,029 as of 11/2012 Last Reported: Responsibit'rty: Recent Payment: 11/2012 3153 Individual Payment History: 2012 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN OK OK OK OK OK OK OK OK OK OK OK Balance History - The following data will appear in the following format: account balance / date payment received / scheduled payment amount / actual amount paid Oct 2012: $31,110/ October 2,2012/$153/$153 Sep 2012: $31,195 / September 4, 2012 / $153 / $153 Aug 2012: 531,263 / July 31, 2012 / $153 / no data Jul 2012: $31,263 / July 31, 2012 / $153! $153 Jun 2012: $31,338/ June 29, 2012/$153/3307 May 2012: $31,504 / May 3, 2012 / 3153 / $153 Apr 2012: 331,621 / April 18, 2012 / 5153 / 3153 Mar 2012: $31,672 / March 8, 2012 / 3153 / 5153 Feb 2012: $31,734 / January 31, 2012 / $153 / no data Jan 2012: $31,7341 January 31, 2012 / $153 / $307 The original amount of this account was $38,607 AMERICAN EDUCATION SERVICES Address: Account Number: PO BOX 2461 679726530PA0.... HARRISBURG, PA 17105 No phone number available Address Identification Number: 0686245488 Status; Open/Never late. Date Opened: Type: Credit Limit/Original Amount: 12/2005 Education 555,892 Reported Since: High Balance: Terms: 01/2012 291 Months NA Date of Statu Monthly Payment: Recent Balance: 11/2012 3221 $44,642 as of 11/2012 https: / /annualcreditreport. experian. com/ AnnualCreditReporticac /FullReport.do 12/6/2012 Experian - Printable Full Report Page 7 of 28 Last Reported: Responsibility: Recent Payment: 11/2012 Individual 5221 Payment History, 2012 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN OK OK OK OK OK OK OK OK OK OK OK Balance History - The following data will appear in the following format: account balance / date payment received / scheduled payment amount / actual amount paid Oct 2012: $44,758 / October 2, 2012 / 5221 / 5221 Sep 2012: 544,880 / September 4, 2012 / 5221 / 5221 Aug 2012: $44,978 / July 31, 2012 / 5221 / no data Jul 2012: 544,978 / July 31, 2012 / 5221 / 5221 Jun 2012: $45,086 / June 29, 2012 / 5221 / 5442 May 2012: $45,325 / May 3, 2012 15221 1 5221 Apr 2012: 545,493 / April 18, 2012 / 5221 / 5221 Mar 2012: 545,567/ March 8, 2012 / 5221 / 5221 Feb 2012: 545,656 / January 31, 2012 /5221 / no data Jan 2012: 545,656 / January 31, 2012 / 5221 / 5442 The original amount of this account was 555,892 AMERICAN HONDA FINANCE Address: Account Number: PO BOX 1027 14159. ALPHARETTA, GA 30009 (214) 277-5000 Address Identification Number: 0586245488 Status: Open /Never late. Date Opened: Type: Credit LimitlOriginal Amount: 08/2011 Auto Loan 525,454 Reported Since: Terms: High Balance: 06/2011 60 Months Date of Status: Monthly Payment: Recent Balance: 11/2012 $445 $19,313 as of 11/2012 Last Reported: Responsibility: Recent Payment: 11/2012 Individual $445 Payment History: 2012 2011 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Balance History - The following data will appear in the following format: account balance / date payment received /scheduled payment amount / actual amount paid Oct 2012: 519,728 / October 23, 2012 / 5445 / 5445 Sep 2012: 520,141 / September 25, 2012 / 5445 / 5462 Aug 2012: 520,571 / August 23, 2012 / 5445 / 5445 Jul 2012: 520,984 / July 24, 2012 / 5445 / 5445 Jun 2012: $21,395 / June 25, 2012 / 5445 / 5445 May 2012: 521,805 / May 23, 2012 / $445 / $445 Apr 2012: $22,217 / April 24, 2012 / 5445 / 5445 Mar 2012: 522,625 / March 23, 2012 15445 / 5445 Feb 2012: 523,036 / February 23, 2012 / $445 / 5445 Jan 2012: 523,445 / January 24, 2012 / $445 / 5445 Dec 2011: 523,851 / December 23, 2011 / 5445 / $445 Nov 2011: 524,259 / November 23, 2011 / 5445 / 5445 Oct 2011: $24,664 / October 25, 2011 / 5445 / 5445 Sep 2011: $25,084 / September 23, 2011 / $445 / 5445 Aug 2011: $25,529 / no data / 5445 / no data The original amount of this account was 525,454 AMERICAN EXPRESS Address: Account Number: PO BOX 981537 3499916174474203 EL PASO, TX 79998 (800) 874 -2717 Address Identification Number: 0886245488 Status: Open/Never tate. Date Opened: Type: Credit Limit/Original Amount: 09/2008 Credit card 35,200 Reported Since' Terms: High Balance 06/2011 NA $6,026 Data of Status Monthly Payment: Recent Balance: - -__ _ - -- ___ _ r A s a w - v e t / P I M P MMRpnnrl ran 2/6/201,2. • Experian - Printable Full Report Page 8 of 28 11/2012 $0 $4,487 as of 11/2012 Last Reported: Responsibility: Recent Payment: 11/2012 Individual $0 Payment History: 2012 2011 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Balance History - The following data will appear in the following format: account balance / date payment received / scheduled payment amount/ actual amount paid Oct 2012: S4,735 / no data / Unknown / no data Sep 2012: $4,8901 no data / Unknown / no data Aug 2012: 55,086 / no data / Unknown / no data Jul 2012: $5.254 / no data / Unknown / no data Jun 2012: 55,405 / no data / Unknown / no data May 2012: 55,546 / no data / Unknown / no data Apr 2012: 55,783 / no data / Unknown / no data Mar 2012: 56,026 / no data / Unknown / no data Feb 2012: 55,853 / no data / Unknown / no data Jan 2012: $5,8651 no data / Unknown / no data Dec 2011: 55,936 / no data / Unknown / no data Nov 2011: 55,716 / no data / Unknown / no data Oct 2011: $5,480 / no data / Unknown / no data Sep 2011: 55,470 / no data / Unknown / no data Aug 2011: $5,356 / no data / Unknown / no data Jul 2011: 55,527 / no data / Unknown / no data Jun 2011: 55,507 / no data / Unknown / no data May 2011: 55.697 / no data / Unknown / no data Apr 2011: $6,455 / no data / Unknown / no data Mar 2011: $6,710 / no data / Unknown / no data Feb 2011: $6,824 / no data / Unknown / no data Jan 2011: $6,661 / no data / Unknown / no data Dec 2010: $6,615 / no data / Unknown / no data Between Sep 2012 and Oct 2012, your credit limit/high balance was $5,200 Between May 2011 and Aug 2012, your credit limit/high balance was $6,000 Between Dec 2010 and Apr 2011, your credit limit/high balance was $6,800 BANK OF AMERICA Address: Account Number: PO BOX 982235 431098602210.... EL PASO, TX 79998 No phone number available Address Identification Number: 0074505768 Status: Closed/Never late. Date Opened: Type: Credit Limit/Original Amount: 05/1992 Credit Card 517,500 Reported Since: Terms: High Balance: 11/2006 NA 513,854 Date of Status Monthly Payment: Recent Balance: 08/2011 $2 $0 as of 08/2011 Last Reported: Responsibility: Recent Payment: 08/2011 $ Authorized user th Your Statement: Account dosed at consumer's request Payment History: 2011 2010 AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN CLS OK OK OK OK ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND 2009 2008 DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY ND ND ND ND ND NO ND ND CLS CLS OLS CLS CLS CLS CLS CLS CLS CLS CLS CLS 2007 2006 APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS 2005 AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN CLS CLS CLS CLS CLS CLS CLS CLS OK OK OK OK OK OK OK OK OK OK OK OK 2004 DEC NOV OCT SEP OK OK OK OK https: / /annualcreditreport.experian. con/ AnnualCreditRepordcac /FullReport.do 12/6/2012 Experian - Printable Full Report Page 9 of 28 Balance History - The following data will appear in the following format: account balance / date payment received / scheduled payment amount / actual amount pato Ju1 2011:$0 / March31,2011 /$2 /no data Jun 2011: $0 / March 31, 2011 / $2 / no data May 2011: S0 / March 31, 2011 / $2 / no data Apr 2011: $0 / March 31, 2011 / 82 / 510 Apr 2011: $O / March 31, 2011 / 52 / 510 Between Apr 2011 and Jul 2011, your credit limit/high balance was $17,500 BANK OF AMERICA Address: Account Number: PO BOX 982235 549099532966. EL PASO, TX 79998 No phone number available Address Identification Number: 0686245488 Status: Credit card reported lost or stolen,closed/Never late Status Details: This account Is scheduled to continue on record until Oct 2013. Date Opened: Type: Credit Limit/Original Amount. 10/2001 Credit card $5,000 Reported Since: Terms: High Balance: 11/2008 35,036 NA Date of Status: Monthly Payment: Recent Balance: 10/2011 S0 NA Last Reported: Responsibility: Recent Payment: 10/2011 NA Individual Creditor's Statement: Credit card lost or stolen. Payment History: 2011 2010 OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR CLS OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2009 2008 FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Balance History - The following data will appear in the following format: account balance / date payment received / scheduled payment amount / actual amount pair Oct 2011: $4,130 / October 4, 2011 / 5120 / 5325 Sep 2011: 84,147 / September 6, 2011 / 5127 / $350 Aug 2011: $4,327 / August 1, 2011 / $128 / 5350 Jul 2011: 54,274 / July 5, 2011 / $130 / $350 Jun 2011: $4,460 / May 25, 2011 / 5135 / $250 May 2011: $4,481 / April 29, 2011 / 5132 / 5500 Apr 2011: $4,834 / April 5, 2011 / 5139 / 3175 Mar 2011: $4,683 / March 8, 2011 / $160 / $250 Feb 2011: 54,818 / February 3, 2011 / $145 / $250 Jan 2011: $4,883 / January 3, 2011 / 8143 / $200 Dec 2010: 54,936 / December 6, 2010 /5150 / $150 Between Dec 2010 and Oct 2011, your credit IimiUhigh balance was 55,000 BANK OF AMERICA Address: Account Number: PO BOX 982235 549099532979.. EL PASO, TX 79998 No phone number available Address Identification Number: 0686245488 Status: Open/Neverlate. Date Opened: Type: Credit Limit/Originat Amount 10 /2001 Credit card 55,000 Reported Since: Terms: High Balance 10/2010 NA 55,036 Date of Status: Monthly Payment: Recent Balance: 11/2012 $101 53,492 as of 11/2012 Last Reported: Responsibility: Recent Payment 11/2012 $250 Individual Payment History: 2012 2011 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR - ,. ran 1 2/6/2012 Experian - Printable Full Report Page 10 of 28 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Balance History - The following data will appear in the following format: account balance / date payment received /scheduled payment amount /actual amount paid Oct 2012: $3,675 / September 28, 2012 / $111 / $325 Sep 2012: $3,924 / August 27, 2012/$11815300 Aug 2012: $4,144 / August 1, 2012 / 5122 / 5250 Jul 2012: $4,312 / June 29, 2012 / $132 / $230 Jun 2012: 54,452/ June 1, 2012 /5130/5200 May 2012: $4,565 / April 26, 2012 / 5142 / 5500 Apr 2012: $4,895 / March 30, 2012 / 5139 / 5225 Mar 2012: 54,850 / February 29, 2012 / $141 / 5200 Feb 2012: 54,860 / February 3, 2012 / 5142 / 5150 Jan 2012: $4,408 / January 5, 2012 / $131 / 5225 Dec 2011: $4,306 / December 5, 2011 / 5128 1$375 Nov 2011: $4,407 / October 31, 2011 / 5122 / 5325 Oct 2011: $4,135 / October 4, 2011 / $120 / $325 Between Oct 2011 and Oct 2012, your credit limit/high balance was $5,000 BARCLAYS BANK DELAWARE Address: Account Number: 700 PRIDES XING 00010010845.... NEWARK, DE 19713 (877) 523-0478 Address Identification Number: 0688245488 Status: Paid,Closed /Never late. Status Details: This account is scheduled to continue on record until Nov 2019. Date Opened: Type: Credit Limit/Original Amount: 12/2008 Credit card 5500 Reported Since: Terms: High Balance: 12/2008 NA Date of Status: Monthly Payment: Recent Balance: 11/2009 $0 NA Last Reported: Responsibility: Recent Payment 11 /2009 NA Individual Your Statement: Account closed at consumer's request. Payment History: 2009 2008 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC CLS OK OK OK OK OK OK OK OK OK OK OK CAPITAL ONE Address: Account Number: PO BOX 30281 517805866660.... SALT LAKE CITY, UT 84130 (800) 955 -7070 Address Identification Number, 0686245488 Status: Open/Never late. Date Opened: Type: Credit Limit/Original Amount: 10/2010 Credit Card $750 Reported Since: Terms: $ HGrge B 11/2010 NA Date of Status: Monthly Payment Recent Balance: 11/2012 $15 $256 as of 11/2012 Last Reported: Responsibility: Recent Payment: 11/2012 $ 125 $125 Payment History: 2012 2011 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2010 MAR FEB JAN DEC NOV OK OK OK OK OK https: // annual creditreport. experian.com/ AnnualCreditReport /cac/FullReport.do 12/6/2012 Experian - Printable Fu11 Report Page 11 of 28 Balance History - The following data will appear in the following format: account balance /date payment received /scheduled payment amount / actual amount paid Oct 2012: 5288 / September 28, 2012 / 515 / 5150 Sep 2012: $386 / August 30, 2012 / $15 / $125 Aug 2012: $454 /July 30, 2012 / 016 / $100 Jul 2012: $487 / June 29, 2012 / $16 / $75 Jun 2012:$514 /May31, 2012 /$17/$75 May 2012: $5381 April 24, 2012 / 517 / 5150 Apr 2012: 0394 / March 30, 2012 / $15 / $50 Mar 2012: $383 / February 29, 2012 / 015 / $30 Feb 2012: $407 / February 6, 2012 / 015 / $25 Jan 2012: $425 / December 31, 2011 / $15 / $50 Dec 2011: $467 / December 6, 2011 / 516 / 550 Nov 2011: $437 / October 31, 2011 / $15 / $150 Oct 2011: $471 / September 30, 2011 / 016 / 0150 Sep 2011: $484 / September 13, 2011 / 016 / 0150 Aug 2011: $503 / July 30, 2011 / 016 / $105 Jul 2011: $454 / July 4, 2011 / 015 / 0100 Jun 2011: $487 / May 24, 2011 / $15 /0151 May 2011: $398 / April 25, 2011 / $15 / 0200 Apr 2011: $432 / April 4, 2011 / $15 / 050 Mar 2011: $411 / February 28, 2011 / $15 / $100 Feb 2011: $444 / February 2, 2011 / 015 / 5100 Jan 2011: $498 /December 27, 2010 / 015 / $75 Dec 2010: $397 / December 6 2010 / $15 / $125 Between Apr 2011 and Oct 2012, your credit limit/high balance was $750 Between Dec 2010 and Mar 2011, your credit limit/high balance was $500 CHASE Address: Account Number: PO BOX 15298 402297012048.. WILMINGTON. DE 19850 (800) 955 - 9900 Address Identification Number: 0074505768 Status: Paid,Closed /Never late. Status Details: This account is scheduled to continue on record until Feb 2013. Date Opened: Type: Credit Limit/Original Amount 08/2000 Credit card 05,000 Reported Since: Terms: High Balance: 04/2000 NA Date of Status: Monthly Payment: Recent Balance. 02/2003 $0 NA Last Reported: Responsibility: Recent Payment: 02/2003 Individual NA Your Statement: Account closed at consumer's request Payment History: 2003 2002 2001 CLS OK OK NOV OK OK SEP AUG JUL JUN OK OK OK OK O K OK OK OK DEC OK OCT SEP K OK OK 2000 JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK CHASE BANK USA Address: Account Number: PO BOX 15298 428684129230_ WILMINGTON, DE 19850 (800) 955 -9900 Address Identification Number 0686245488 Status: Open/Never late. Date Opened: Type: Credit Limit/Original Amount 05/2012 Credit card 03,000 Reported Since: Terms: High Balance: 06/2012 NA $1,013 Date of Status: Monthly Payment: Recent Balance: 11/2012 $25 $978 as of 112012 Last Reported: Responsibility: Recent Payment: r w /PIMP Pnnrt ir? 2/6/20 0 i ,. Experian - Printable Full Report Page 12 of 28 11/2012 Individual $260 Payment History: 2012 NOV OCT SEP AUG JUL JUN OK OK OK OK OK OK Balance History - The following data will appear in the following format: account balance / date payment received / scheduled payment amount / actual amount paid Oct 2012: $789 / October 3, 2012 / 525 / 5350 Sep 2012: 5587 / September 2, 2012 / 525 / 5200 Aug 2012: $620 / July 25, 2012 / 525 / 5150 Jul 2012: $562 / June 29, 2012 / 525 / 5100 Jun 2012: 5214 / June 4, 2012 / 525 / 5100 Between Jun 2012 and Oct 2012, your credit limit/high balance was $3,000 CITI CARDS / CITIBANK Address: Account Number: PO BOX 6241 541065841799.... SIOUX FALLS, SD 57117 No phone number available Address Identification Number. 0074505768 Status: Inactive/Never late. Status Details: This account is scheduled to continue on record until Mar 2017. Oate Opened: Type: Credit Limit/Original Amount: 02/1996 Credit card 5500 Reported Since: Terms: High Balance: 06// 1997 NA $19,532 Date of Status: Monthly Payment: Recent Balance: 03/2007 5444 50 as of 03/2007 Last Reported: Responsibility: Recent Payment: 0312007 g Authorized user Payment History: 2007 2006 2005 MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2004 2003 JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2002 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR OK OK OK OK ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2001 2000 MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK JUL JUN MAY APR OK OK OK OK CITIBANK Address: Account Number. 701 E 60TH ST N 9999992... SIOUX FALLS, SD 57104 (800) 967-2400 Address Identification Number: 0074505768 Status: Refinanced,Gosed/Never late. Status Details: This account is scheduled to continue on record Until Dec 2015. Date Opened: Type: Credit Limit/Original Amount: 07/2001 Education 55.500 Reported Since: Terrrts: High Balance: 08 /2001 120 Months NA Date of Status: Monthly Payment Recent Balance: 12/2005 NA Last Reported: Responsibility: Recent Payment: 12/2005 Individual Creditor's Statement: Account closed due to refinance. Payment History: https: / /annualcreditreport. experian. com/ AnnualCreditReport/cac/FullReport.do 12/6/2012 Experian - Printable Full Report Page 13 of 28 2005 2004 DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY CLS OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2003 2002 APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2001 AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG OK OK OK OK ND OK OK OK OK OK OK OK OK WFNNBNICTORIAS SECRET Address: Account Number: PO BOX 182789 82569 COLUMBUS, OH 43218 No phone number available Address Identification Number. 0074505768 Status: Closed /Never late Status Details: This account is scheduled to continue on recora until Nov 2016 Date Opened: Type: Credit Limit/Original Amount: 10/2002 Charge Card $100 Reported Since; Terms: High Balance: 11/2002 NA $104 Date of Status Monthly Payment Recent Balance: 11/2006 $0 $0 as of 11/2006 Last Reported: Responsibility: Recent Payment: 11/2006 3104 Individual Your Statement: Account closed at consumers request. Payment History: 2006 2005 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR CLS OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2004 2003 MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG OK OK OK OK ND ND ND ND ND ND ND ND ND ND ND ND OK ND ND ND 2002 JUL JUN MAY APR MAR FEB JAN DEC NOV OK OK OK OK OK ND OK OK OK GE CAPITAUDILLARDS Address: Account Number PO BOX 965024 604587083403... ORLANDO, FL 32896 (800) 643 -8278 Address Identification Number: 0074505768 Status: Open/Never late Date Opened: Type: Credit Limit/Original Amount: 04/2001 Charge Card $6,000 Reported Since: Terms: High Balance: 10/2011 NA 32,031 Date of Status: Monthly Payment: Recent Balance. 12/2012 $36 $1,111 as of 12/2012 Last Reported: Responsibility: Recent Payment: 12/2012 Authorized user 336 Payment History: 2012 2011 DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2010 2009 APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2008 AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2007 2006 DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK APP MAR PPR .IAN 1 _.44..n• / /onrn.I4irrPelifrPTnrt PYTP.TIRn rnm/ AnnualCreditRenort/cac/Fu11RePort•do 12/6/2012 Experian - Printable Full Report Page 14 of 28 Balance History - The following data will appear in the following format: account balance /date payment received / scheduled payment amount / actual amount paid Nov 2012: 51,067 / October 26, 2012 /536/3118 Oct 2012: 51,160 / August 8, 2012 / $72 / no data Sep 2012: 51,100 / August 8, 2012 / $46 / 358 Aug 2012: 51,075 / August 8, 2012 / $48 / 558 Jul 2012: 31,166 / May 27, 2012 / $49 / no data Jun 2012: 51,106/ May 27, 2012/$47/ $47 May 2012: $1,127 / April 26, 2012 / 347 / 575 Apr 2012: 31,177 / March 26, 2012 / 550 / 5103 Mar 2012: 51,250 / January 26, 2012 / 353 / no data Feb 2012: 51,190 / January 26, 2012 / 550 / no data Jan 2012: 51,387 / November 28, 2011 / $58 / no data Dec 2011: 51,319 / November 28, 2011 / $55 / no data Nov 2011: $1,311 / September 8, 2011 / 555 / no data Oct 2011: $1,256 / September 6, 2011 / 3531$65 Sep 2011: $1,292 / August 16, 2011 / 354 / $55 Aug 2011: $1,318/ July 7, 2011!$55/557 Jul 2011: 51,345 / June 22, 2011 / 357 / 375 Jun 2011 :$1,390/ May 26,2011/558 May 2011: $1,422 / April 5, 2011 / 360 / 361 Apr2011: $1,452 / March 27, 2011 /561 /5128 Mar 2011: 51,545 / January 26, 2011 / $65 / no data Between Oct 2011 and Nov 2012; your credit limit/high balance was $6,000 Between May 2011 and Sep 2011, your credit limit/high balance was 35,000 Between Mar 2011 and Apr 2011, your credit limit/high balance was 54,900 GE MONEY BANK/GAP Address: Account Number: PO BOX 965005 601859538665... ORLANDO, FL 32896 (800) 887 -1198 Address Identification Number: 0686245488 Status: Open/Never late. Date Opened: Type: Credit Limit/Original Amount: 07/2011 Charge Card 5800 Reported Since: Terms: High Balance: 07/2011 NA 3209 Data of Status: Monthly Payment: Recent Balance: 11/2012 $25 3156 as of 11/2012 Last Reported: Responsibility: Recent Payment: 11/2012 $ 112 $112 Payment History: 2012 2011 NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Balance History - The following data will appear in the following format: account balance / date payment received /scheduled payment amount / actual amount paid Oct 2012: $112 / September 16, 2012 / $25 / no data Sep 2012: $0 / September 16, 2012 / 320 / $20 Aug 2012: 320 / August 1, 2012 / $20 / $89 Jul 2012: 389 / July 4, 2012 / 325 / $82 Jun 2012: $261 June 5, 2012 / 525 / 356 May 2012: $22 / April 11, 2012 / $22 / no data Apr 2012: 30 / April 11, 2012 / $25 / 531 Mar 2012: 531 / March 11, 2012 / 525 / $26 Feb 2012: $26 / February 16, 2012 / $25 / $50 Jan 2012: 5184 / January 6, 2012 / 525 / 5209 Dec 2011: $2091 December 7, 2011 / $25 / 568 Nov 2011: $68 / November 7, 2011 / 525 / 517 Oct 2011: $17 / October 21, 2011 / 517/327 Sep 2011: $0 / September 15, 2011 / 320 / $52 Aug 2011: S0 / August 5, 2011 / 520 / 5111 Jul 2011: 5111 / no data / 520 / no data Between Mar 2012 and Oct 2012, your credit limit/high balance was 3800 Between Jul 2011 and Feb 2012, your credit Iimivhigh balance was 3400 HSBC BANK https: / /annualcreditreport. experian. com/ AnnualCreditReport /cac/FullReport.do 12/6/2012 Experian - Printable Full Report Page 15 of 28 Address: Account Number PO BOX 5253 517669000379 CAROL STREAM, IL 60197 (800) 477-6000 Address Identification Number: 0074505768 Status: Paid,Closed/Never late. Status Details: This account is scheduled to continue on record until Feb 2016. Date Opened: Type: Credit Limit/Original Amount 07/2002 crn card $2,500 Reported Since: Terms: High Balance 07/2002 $3,066 NA Date of Status: Monthly Payment: Recent Balance 02/2006 $0 NA Last Reported: Responsibility: Recent Payment: 02/2006 Individual NA Creditor's Statement: Account closed at credit grantors request. Payment History: 2006 2005 2004 FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS CLS ND ND 2003 2002 JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV ND OK OK OK OK OK OK OK ND OK OK OK OK OK OK OK OK OK OK OK OCT SEP AUG JUL OK OK OK OK HSBC(BSBIJY Address: Account Number: PO BOX 5253 700119112066. CAROL STREAM, IL 60197 No phone number available Address Identification Number: 0062063387 Status: Paid,Closed/Never late Status Details: This account is scheduled to continue on record until Mar 2013 Date Opened: Type: Credit Limit/Original Amount: 07/2002 Charge Card NA Reported Since: Terms: High Balance: 02/2002 NA $218 Date of Status: Monthty Payment: Recent Balance: 03/2003 $0 NA Last Reported: Responsibility: Recent Payment: 03/2003 NA Individual Creditor's Statement: Account closed at credit grantors request. Payment History: 2003 2002 MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB CLS OK OK OK OK OK OK ND OK OK OK OK OK OK KY HIGHER EDUCATION SLC Address: Account Number: PO BOX 24328 9999992. - LOUISVILLE, KY 40224 No phone number available Address Identification Number: 0074505768 Status: Refinanced,cbsed/Never late. Status Details: This account is scheduled to continue on record until Jan 2016 Date Opened: Type: Credit LimitlOriginal Amount: 09/2002 Education 51,337 Reported Since: Terms: High Balance: 11/2002 120 Months NA Date of Status: Months Payment Recent Balance: 01/2006 $0 NA https: / /annualcreditreport. experian. com/ AnnualCreditReport/cac/FullReport.do 12/6/2012 Experian - Printable Full Report Page 16 of 28 Last Reported: Responsibility: Recent Payment 01/2006 Individual NA Creditor's Statement Account Dosed due to refinance. Payment History: 2006 2005 2004 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN CLS ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2003 2002 MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OK ND OK OK ND OK OK OK OK OK OK OK ND OK OK OK OK OK OK KY HIGHER EDUCATION SLC Address: Account Number: PO BOX 24328 9999992.... LOUISVILLE, KY 40224 No phone number available Address Identification Number. 0074505768 Status: Refinanced,closed /Never late. Status Details: This account is scheduled to continue on record until Jan 2016. Date Opened: Type: Credit LimitlOriginal Amount: 09/2002 Education 53,201 Reported Since: Terms: High Balance: 11/2002 120 Months NA Date of Status: Monthly Payment: Recent Balance: 0112006 50 NA Last Reported: Responsibility: Recent Payment: 01/2006 Individual NA Creditor's Statement: Account closed due to refinance. Payment History: 2006 2005 2004 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN CLS ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2003 2002 MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OK ND OK OK ND OK OK OK OK OK OK OK ND OK OK OK OK OK OK KY HIGHER EDUCATION SLC Address: Account Number: PO BOX 24328 9999992... LOUISVILLE, KY 40224 No phone number available Address Identification Number: 0074505768 Status: Refinanced,closed/Never late. Status Details: This account is scheduled to continue on record until Jan 2016. Date Opened: Type: Credit Limit/Original Amount: 09/2002 Education $2,913 Reported Since: Terms: High Balance: 11/2002 120 Months NA Date of Status: Monthly Payment Recent Balance: 01/2006 NA Last Reported: Responsibility: Recent Payment: 01!2006 Individual Creditor's Statement: Account closed due to refinance. Payment History: 2006 2005 2004 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN CLS ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2003 2002 MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OK ND OK OK ND OK OK OK OK OK OK OK ND OK OK OK OK OK OK KY HIGHER EDUCATION SLC Address: Account Number. PO BOX 24328 9999992... https:// annualcreditreport. experian. com/ AnnualCreditReport/cac/FullReport.do 12/6/2012 Experian - Printable Full Report Page 17 of 28 LOUISVILLE, KY 40224 No phone number available Address Identification Number: 0074505768 Status: Refinanced,closed/Never late Status Details: This account is scheduled to continue on record until Jan 2016 Date Opened: Type: Credit Limit/Original Amount: 09/2002 Education $4,199 Reported Since: Terms: High Balance 11/2002 120 Months NA Date of Status: Monthly Payment: Recent Balance: 01 /2006 NA Last Reported: Responsibilty: Recent Payment: 01 /2006 Individual NA Creditor's Statement: Account closed due to refinance Payment History 2006 2005 2004 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN CLS ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2003 2002 MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OK ND OK OK ND OK OK OK OK OK OK OK ND OK OK OK OK OK OK KY HIGHER EDUCATION SLC Address: Account Number: PO BOX 24328 9999992. LOUISVILLE, KY 40224 No phone number available Address Identification Number: 0074505788 Status: Refinanced,dosed/Never late Status Details: This account is scheduled to continue on record until Jan 2016 Date Opened: Type: Credit Limit/Original Amount: 01/2003 Education $4,250 Reported Since. Terms: High Balance: 03/2003 120 Months Date of Status: Monthly Payment: Recent Balance: 01/2006 50 NA Last Reported: Responsibility: Recent Payment: 01/2006 Individual NA Creditor's Statement: Account dosed due to refinance. Payment History: 2006 2005 2004 SEP AUG JUL JUN JAN CLS DEC D V MAY OK OK OK OK OK OK OK OK OKB DEC OCT OK OK NOV K OK OK OK OK OK 2003 MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR OK ND OK OK ND OK OK OK OK OK OK OK ND OK OK KY HIGHER EDUCATION SLC Address: Account Number: PO BOX 24328 9999992... LOUISVILLE, KY 40224 No phone number available Address Identification Number: 0074505768 Status: Reflnanced,dosed/Never late. Status Details: This account is scheduled to continue on record Jilt! Jan 2016 Date Opened: Type: Credit Limit/Original Amount: 01/2003 Education 52,600 Reported Since: Terms: High Balance: 03/2003 120 Months Date of Status: Monthly Payment: Recent Balance: 01/2006 $0 NA Last Reported: Responsibility: Recent Payment 01/2006 NA Individual Creditor's Statement: Account dosed due to refinance >,*...�. / /onin 1 rprditrprcrt exneri an. co m/ AnnualCreditReport/Cac/FullReport.do 12/6/2012 Experian - Printable Full Report Page 18 of 28 Payment History: 2006 2005 2004 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN CLS ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2003 MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR OK ND OK OK ND OK OK OK OK OK OK OK ND OK OK KY HIGHER EDUCATION SLC Address: Account Number. PO BOX 24328 9999992.... LOUISVILLE, KY 40224 No phone number available Address Identification Number: 0074505768 Status: Refinanced,closed /Never late. Status Details: This account is scheduled to continue on record until Jan 2016 Date Opened: Type: Credit Limit/Original Amount: 05/2003 Education $4,250 Reported Since: Terms: High Balance: 07/2003 120 Months NA Date of St atus: Monthly Payment: Recent Balance: 01/2006 $0 NA Last Reported: Responsibility: Recent Payment 01 /2006 NA Individual Creditor's Statement: Account dosed due to refinance. Payment History 2006 2005 2004 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN CLS ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2003 MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL OK ND OK ND ND OK OK OK OK OK OK KY HIGHER EDUCATION SLC Address: Account Number. PO BOX 24328 9999992.. LOUISVILLE, KY 40224 No phone number available Address Identification Number: 0074505768 Status: Reflnanced,closed/Never late. Status Details: This account is scheduled to continue on record until Jan 2016 Date Opened: Type: Credit Limit/Original Amount: 05/2003 Education $1,557 Reported Since: Terms: High Balance: 07/2003 120 Months NA Date of Status Monthly Payment: Recent Balance: 01/2006 NA Last Reported: Responsibility: Recent Payment 01 /2006 NA Individual Creditor's Statement: Account closed due to refinance. Payment History: 2006 2005 2004 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN CLS ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2003 MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL OK ND OK ND ND OK OK OK OK OK OK KY HIGHER EDUCATION SLC Address: Account Number: PO 80X 24328 9999992.... LOUISVILLE, KY 40224 No phone number available Address Identification Number: 0074505768 hops: // annual creditreport. experian. com /AnnualCreditRepor /cac/FullReport.do 12/6/2012 Experian - Printable Full Report Page 19 of 28 Status: Refinanced,dosed /Never late. Status Details: This account is scheduled to continue on record until Jan 2018. Date Opened: Type: Credit Limit/Original Amount 05/2003 Education $4,250 Reported Since: Tee: High Balance: 07/2003 120 Months NA Date of Status Monthly Payment: Recent Balance: 01/2006 5o NA Last Reported: Responsibility: Recent Payment: 0112006 Individual NA Creditor's Statement: Account closed due to refinance Payment History: 2006 2005 2004 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN CLS ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2003 MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL OK ND OK ND ND OK OK OK OK OK OK KY HIGHER EDUCATION SLC Address: Account Number: PO BOX 24328 9 LOUISVILLE, KY 40224 No phone number available Address Identification Number: 0074505768 Status: Refinanced,closed/Never late Status Details: This account is scheduled to continue on record until Jan 2016. Date Opened: Type: Credit Limit/Original Amount: 05/2003 Education $4'447 Reported Since: Terms: H Hlgh Balance, 07/2003 120 Months Date of Status: Monthly Payment: Recent Balance: 01/2006 NA Last Reported: R esponsibility: Recent Payment 01/2006 Individual NA Creditor's Statement: Account closed due to refinance Payment History: 2006 2005 2004 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR OCT SEP AUG JUL JUN CLS ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2003 MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL OK ND OK ND ND OK OK OK OK OK OK KY HIGHER EDUCATION SLC Address: Account Number: PO BOX 24328 9999992... LOUISVILLE, KY 40224 No phone number available Address Identification Number 0074505768 Status: Refinanced,dosed/Never late. Status Details: This account Is scheduled to continue on record until Jan 2016 Date Opened: Type: Credit Limit/Original Amount: 09/2003 Education 38,500 Reported Since: Terms: HA High Balance 12/2003 120 Months Date of Status: Monthly Payment: Recent Balance: 0112006 60 NA Last Reported: Responsibility: Recent Payment: 01/2006 individual NA Creditor's Statement: Account closed due to refinance. Payment History. 2006 2005 2004 JAN DEC T SEP K AUG JUL JUN MAY APR MAR R FEB JAN DEC NOV OCT SEP AUG JUL JUN CLS ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK _ - -- -- ___ —__ —/ ....nrt r•ac/Pit11R 12/6/2012 Experian - Printable Full Report Page 20 of 28 KY HIGHER EDUCATION SLC Address: Account Number: PO BOX 24328 9999992.... LOUISVILLE, KY 40224 No phone number available Address Identification Number: 0074505768 Status: Refinanced,dosed /Never late. Status Details: This account is scheduled to continue on neoord until Jan 2016 Date Opened: Type: Credit Limit/Original Amount: 09/2003 Education $10,000 Reported Since: Tee: NA Balance: 12!2003 120 Months Date of Status: Monthly Payment: Recent Balance: 01/2006 $0 NA Last Reported: Responsibility: Recent Payment 0112006 Individual NA Creditor's Statement: Account closed due to refinance. Payment History: 2006 2005 2004 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN CLS ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2003 MAY APR MAR FEB JAN DEC ND ND OK OK ND OK KY HIGHER EDUCATION SLC Address: Account Number. PO BOX 24328 9999992... LOUISVILLE, KY 40224 No phone number available Address Identification Number: 0074505768 Status: Refinanced,closed/Never late. Status Details: This account is scheduled to continue on record until Jan 2016. Date Opened: Type: Credit Limit/Original Amount: 05/2004 Education 34,250 Reported Since: Terms: High Balance: 0712004 120 Months NA Date of Status: Monthly Payment. Recent Balance: 01/2006 30 NA Last Reported: Responsibility: Recent Payment 01/2006 NA Individual Creditor's Statement: Account dosed due to refinance. Payment History: 2006 2005 2004 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL CLS ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK KY HIGHER EDUCATION SLC Address: Account Number: PO BOX 24328 9999992.... LOUISVILLE, KY 40224 No phone number available Address Identification Number: 0074505768 Status: NO STATUS. Date Opened: Type: Credit Limit/Original Amount: 08/2004 Education $8,500 Reported Since: Terms: HA h Balance: 10/2004 120 Months Date of Status: Monthly Payment: Recent Balance: 01 /2006 NA Last Reported: Responsibility: Recent Payment 01/2006 Individual NA https:// annualcreditreport. experian. com/ AnnualCreditReport/cac/FullReport.do 12/6/2012 Experian - Printable Full Report Page 21 of 28 Creditor's Statement: Adjustment pending KY HIGHER EDUCATION SLC Address: Account Number: PO BOX 24328 9999992 LOUISVILLE, KY 40224 No phone number available Address Identification Number: 0074505768 Status: Refinanced,dosed /Never late. Status Details: This account is scheduled to continue on record until Jan 2016 Date Opened: Type: Credit Limit/Original Amount: 08/2004 Education $10,000 Reported Since: Terms: High Balance: 10/2004 120 Months Date of Status: Monthly Payment: Recent Balance: 01/2006 $0 NA Last Reported: Responsibility: Recent Payment: 01 /2006 NA Individual Creditor's Statement: Account closed due to refinance Payment History: 2006 2005 2004 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT CLS ND ND NO OK OK OK OK OK OK OK OK OK OK OK OK SALLIE MAE Address: Account Number: 11100 USA PKWY 999999240. FISHERS, IN 48037 (888) 272 -5543 Address Identification Number 0074505768 Status: Transferred,dosed/Never late. Status Details: This account is scheduled to continue on record until Jan 2016, Date Opened: Type: Credit Limit/Original Amount: 08/2000 Education 55,500 Reported Since: Terms: Ni h Balance: 02/2001 120 Months Date of Status: Monthly Payment: Recent Balance: 01/2006 50 NA Last Reported: Responsibility. Recent Payment: NA 01/2006 Individual Creditor's Statement: Account transferred to another lender Payment History: 2006 2005 2004 JAN CLS DEC ND OK OK O SEP OK OK OK MAY MAR OK OK O FEB OK OK N O V OCT OK OK OK OK OK OK 2003 2002 OK OK OK OK OK DEC OK OK OCT SEP OK AUG OK OK OK OK MAY OK W OCT OK OK OK OK OK OK 2001 SEP K OK OK OK OK OK OK OK NOV OCT E OK OK OK OK OK OK OK OK ND OK OK OK OK OK SALLIE MAE Address: Account Number: 11100 USA PKWY 999999240... FISHERS, IN 48037 (888) 272-5543 Address Identification Number: 0074505768 Status: Transfer ed,dosed /Never late. Status Details: This account is scheduled to continue on recorc until Jan 2016. Date Opened: Type Credit Limit/Original Amount: 01/2000 53,500 avrwr;an P( 1111 / A nm> Ia1CreditRenort /Cao/FullReport.d0 12/6/2012 Experian - Printable Full Report Page 22 of 28 Reported Since: Education High Balance: 02/2001 Terms: NA Date of Status: 120 Months Recent Balance: 01 Monthly Payment NA Last Reported: $0 Recent Payment 01/2006 Responsibility: NA Individual Creditor's Statement: Account transferred to another lender. Payment History: 2006 2005 2004 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN CLS ND OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2003 2002 MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2001 SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK ND OK OK OK OK SALLIE MAE Address: Account Number. 11100 USA PKWY 999999240.... FISHERS, IN 46037 (888) 272 -5543 Address Identification Number: 0074505768 Status: Transferred,closed /Never late. Status Details: This account is scheduled to continue on record until Jan 2016 Date Opened: Type: Credit Limit/Original Amount: 09/1998 Education $2,625 Reported Since: Terms: High Balance: 11/2004 NA 120 Months Date of Sta Monthly Payment Recent Balance: 01/2006 b0 NA Last Reported: Responsibility: Recent Payment 01 /2006 lndividual NA Creditor's Statement: Account transferred to another lender. Payment History: 2006 2005 2004 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV CLS ND OK OK OK OK OK OK OK OK OK OK OK OK OK SALLIE MAE SERVICING Address: Account Number: 1002 ARTHUR DR 999999240.... LYNN HAVEN, FL 32444 (850) 767 -7000 Address Identification Number. 0074505768 Status: Transferred,ctosed /Never late. Deferred, payment Status Details: This account is scheduled to continue on record date not reported until Oct 2014 Date Opened: Type: Credit Limit/Original Amount: 09/1998 Education $2,625 Reported Since: Terms: High Balance: 02/2001 N NA Date of Status: Monthly Payment Recent Balance: 10/2004 NA SO Last Reported: Responsibility: Recent Payment: 10/2004 NA Individual Payment History: 2004 2003 OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR CLS OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 2002 2001 FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK https:// annualcreditreport. experian. com/ AnnualCreditReport /cac/FulIReport.do 12/6/2012 Experian - Printable Full Report Page 23 of 28 Record of Requests for Your Credit History bads to to Inquiries Shared Only With You You may not have initiated the following inquiries, so you may not recognize each source. We report these requests to you only as a record of activities, and we do not include any of these requests on credit reports to others. We offer credit information about you to those with a permissible purpose, for example to • other creditors who want to offer you preapproved credit, • an employer who wishes to extend an offer of employment • a potential investor in assessing the risk of a current obligation: • Experian Consumer Assistance to process a report for you; • your current creditors to monitor your accounts (date listed may reflect only the most recent request): • an end user to complete your mortgage loan application These inquiries do not affect your credit score. AMERICAN EXPRESS 2 Address: Date of Request PO BOX 981537 11/21/2012 EL PASO TX 79998 (800) 874-2717 CAPITAL ONE Address: Date of Request: PO BOX 30281 11/17/2012 SALT LAKE CITY UT 84130 No phone number available AMEX ACCOUNT REVIEW Address: Date of Request: PO BOX 981537 10/24/2012 EL PASO TX 79998 (800) 874 -2717 CHASE CARD SERVICES Address: Date of Request PO BOX 15298 10/24/2012 WILMINGTON DE 19850 No phone number available CREDIT ONE BANK Address: Date of Request PO 80X 98873 10/02/2012, 07/02/2012, 03/29/2011, LAS VEGAS NV 89193 02/11/2011, 12/17/2010 (877) 825 -3242 AMERICAN EXPRESS CO Address: Date of Request: PO BOX 981537 10/01/2012 EL PASO TX 79998 (800) 874-2717 CHASE Address: Date of Request PO BOX 15298 09/21/2012 WILMINGTON DE 19850 (800) 955 -9900 ■.rna-i1n rnm/ Annt1a) CTPAitR P.nfrt /CaC/FUIIReD011. 2/6/20 Experian - Printable Full Report Page 24 of 28 CAP ONE Address: Date of Request: PO BOX 30281 09/20/2012 SALT LAKE CITY UT 84130 No phone number available ENHANCED RECOVERY CO LLC Address: Date of Request: 8014 BAYBERRY RD 09/06/2012 JACKSONVILLE FL 32256 No phone number available BANK OF AMERICA Address: Date of Request PO BOX 17054 08/31/2012 WILMINGTON DE 19850 (800) 421 -2110 GRANITE BAY ACCEPTANCE 1 Address: Date of Request: 2940 HEBRON PARK DR 08/02/2012 HEBRON KY 41048 No phone number available CITI CARDS Address: Date of Request PO BOX 6241 04/17/2012, 01/19/2012 SIOUX FALLS SD 57117 No phone number available PROGRESSIVE INSURANCE Address: Date of Request: 6300 1MLSON MILLS RD 03/08/2012 CLEVELAND OH 44143 No phone number available SOUTHWEST CREDIT SYSTEMS Address: Date of Request 4120 INTERNATIONAL PKY STE1100 03/08/2012 CARROLLTON TX 75007 No phone number available CITI CARDS Address: Date of Request: PO BOX 6241 01/19/2012 SIOUX FALLS SD 57117 No phone number available BAY AREA CREDIT SERVICE Address: Date of Request 1000 ABERNATHY RD NE STE 165 01/06/2012 ATLANTA GA 30328 No phone number available AMERICAN HONDA FIN CORP Address: Date of Request 20800 MADRONA AVE 11122/2011 TORRANCE CA 90503 No phone number available https: / /annualcreditreport. experian. com /AnnualCreditRepordcac /FullReport.do 12/6/2012 Experian - Printable Full Report Page 25 of 28 HSBC NV CARD SERVICES Address: Date of Request PO BOX 30253 07/22/2011 03/22/2011 ? 1116/2010 SALT LAKE CITY UT 84130 No phone number available CCM/EQUITY FINANCIAL GRO Address: Date of Request 15615 ALTON PKWY STE 400 03/22/2011 IRVINE CA 92818 No phone number available WESTERN SIERRA ACCEPTANC Address: Date of Request: 1547 PALOS VERDES MALL */ 264 02/17/2011 WALNUT CREEK CA 94597 No phone number available HSBC NV CARD SERVICES Address: Date of Request: PO BOX 30253 11/16/2010 SALT LAKE CITY UT 84130 No phone number available Personal Information _ ip back to top The following information is reported to us by you, your creditors and other sources. Each source may report your personal info differently, which may result in variations of your name, address, Social Security number, etc. As part of our fraud prevention efforts, a notice with additional information may appear. As a security precaution, we did not list the Social Security number that you provided when you contacted us. If any Social Security number variations were reported to us, only the last four digits of each are displayed. Numbers that appear here vary from the number you used to generate this report. Actual differences in these numbers may be part of the displayed portion or part of the hidden portion. The names are listed in no particular order and may include variations of your legal name. The Name identification number is how our system identifies the names associated with respective accounts on your credit report. These addresses are listed in no particular order and may include previous addresses where you received mail. The Address identification number is how our system identifies the address. The Geographical Code shown with each address identifies the state, county, census tract, block group and Metropolitan Statistical Area associated with each address Names: Address: 1819 NE 5TH ST LAUREN GODDEN BOYNTON BEACH, FL 33435 -3505 Name identification number 22062 Address identification number. 0686245488 Type of Residence: Single family LAUREN E GODDEN Geographical Code: 0 - 620100 - 99 - 8960 Name identification number: 12722 Address: 1818 NE 5TH ST #1503 BOYNTON BEACH, FL 33435 -3505 LAUREN ELIZABETH GODDEN Address identification number. 0682313802 Name Identification number: 7339 Type of Residence: Single family Geographical Code: 0- 620100 -99 -8960 Year of birth: 1980 Address: 3573 LAKEVIEW BLVD DELRAY BEACH, FL 33445 -5612 Employers: Address identification number: 0074505788 BOSTON COLLEGE Type of Residence: Single family Telephone numbers: Geographical Code: 0 - 690840 - 99 - 8960 (561) 384.5292 Residential (561) 414 - 5739 Cellular Address: 472 W JEFFERSON ST APT311 TALLAHASSEE, FL 32301 -1674 f,,+„e• / /a rim ialrrprlitrennrt PY riftri eom/ AnnualCreditReport /CaC/Fu.11RepOrt.dO 12/6/2012 Experian - Printable Full Report Page 26 of 28 Address identification number: 0062063387 Type of Residence: Apartment complex Geographical Code: 0- 50020 -73 -8240 Address: BOSTON COLLEGE WILL CHESTNUT HILL, MA 02467 - Address Identification number: 0469701885 Geographical Code: 0-00- 0-8240 Important Message From Experian back to top By taw, we cannot disclose certain medical information (relating to physical, mental, or behavioral health or condition). Although we do not generally oollect such information, it could appear in the name of a data furnisher (i.e., "Cancer Center ") that reports your payment history to us. If so, those names display in your report, but in reports to others they display only as MEDICAL PAYMENT DATA. Consumer statements included on your report at your request that contain medical information are disclosed to others. Know your rights back to top FCRA Rights Para informacion en espahol, visite www.consumerfinance.aov /leammore o ascribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552. A Summary of Your Rights under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, faimess, and privacy of information in the files of consumer reporting agendes. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www,consumerfinance.00vlleammore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552. • You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment — or to take another adverse action against you — must tell you, and must give you the name, address, and phone number of the agency that provided the information. • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: o a person has taken adverse action against you because of information in your credit report; o you are the victim of identify theft and place a fraud alert in your file; o your file contains inaccurate information as a result of fraud; o you are on public assistance; o you are unemployed but expect to apply for employment within 60 days. All consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.cov/leammore for additional information. • You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. • You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.aov/leammore for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. • Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need — usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. • You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the https: / /annualcreditreport. experian. com/ AnnualCreditReport/cac/FullReport.do 12/6/2012 Experian - Printable Full Report Page 27 of 28 employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.aov/leammore • You may limit "prescreened" offers of credit and insurance you get based on information in your credit report. Unsolicited "prescreened" offers for credit and insurance must include a toll -free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt -out with the nationwide credit bureaus at 1 888 5OPTOUT (1 888 567 8688). • You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. • Identity theft victims and active duty military personnel have additional rights. For more information, visit www.consumerfinance.gov/leammore, States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For more information about your federal rights, contact. Type of Business: Contact: Consumer reporting agencies creditors and Federal Trade Commission: others not listed below ,' Consumer Response Center - FCRA Washington, DC 20580 1 877 382 4357 National banks, federal branches/agencies of —1 Office of the Comptroller of the Currency foreign banks (word "National" or initials "N.A " ( Customer Assistance Group appear in or alter bank's name) 1301 McKinney Street, Suite 3450 Houston, TX 77010 -9050 Federal Reserve System member banks (except ' Federal Reserve Consumer Help national banks, and federal branches/agencies PO Box 1200 of foreign banks) Minneapolis, MN 55480 Savings associations and federally chartered Office of Thrift Supervision savings banks (word "Federal" or initials "F.S.B " I Consumer Complaints ' appear in federal institution's name) Washington, DC 20552 1 800 842 6929 Federal credit unions (words "Federal Credit National Credit Union Administration Union" appear in institution's name) 1775 Duke Street Alexandria, VA 22314 1 703 519 4600 State - chartered banks that are not members of Federal Deposit Insurance Corporation the Federal Reserve System Consumer Response Center 2345 Grand Avenue, Suite 100 Kansas City, Missouri 64108 -2638 1 877 275 3342 l Air, surface, or rail common carriers regulated by Department of Transportation former Civil Aeronautics Board or Interstate Office of Financial Management Commerce Commission Washington, DC 20590 1 202 366 1306 r Activities subject to the Packers and Stockyards Department of Agriculture Act, 1921 Office of Deputy Administrator - GIPSA Washington, DC 20250 1 202 720 7051 States Rights Notification of riahts for Alabama consumers Notification of rights for Alaska consumers Notification of rights for Arkansas consumers Notification of riahts for California consumers California notice of your rights to reauest and obtain your credit score Notification of riahts for Colorado consumers Notification of riahts for Connecticut consumers Notification of rights for Delaware consumers Notification of riahts for District of Columbia consumers Notification of riahts for Florida consumers Notification of rights for Georgia consumers Notification of riahts for Indiana consumers Notification of riahts for Maryland consumers Notification of riahts for Massachusetts consumers Notification of rights for Missouri consumers Notification of rights for Montana consumers Notification of riahts for Nevada consumers Notification of rights for New Hampshire consumers Notification of rights for New Jersey consumers Notification of riahts for New Mexico consumers Notification of rights for New York consumers Notification of riahts for North Carolina consumers Notification of riahts for North Dakota consumers https:// annualcreditreport. experian. com/ AnnualCreditReport/cac/FullReport.do 12/6/2012 Experian - Printable Full Report Page 28 of 28 Notification of rights for Ohio consumers Notification of riahts for Oklahoma consumers Notification of rights for Rhode Island consumers Notification of rights for Tennessee consumers Notification of rights for Texas consumers Notification of rights for Vermont Consumers Notification of rights for Virginia consumers Notification of rights for Washinaton consumers Notification of riahts for West Virginia Consumers Notification of riahts for Wisconsin consumers OExperian 2012. Ali rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian. Other product and company names mentioned herein may be the trademarks of their respective owners. https: / /annualcreditreport. experian. com/ AnnualCreditRepordcac /FullReport.do 12/6/2012 • • ATTACHMENT III In o 000000 00 0 000 c0 O O 0 0 0 0 0 0 0 0 0 0 0 0 CO 0 0 0 0 P y cp O O O c0 O O O o 0 0 O tD O 0 0 0 0 ■ d Cl O CO O 0) O O OO O 00Es IDS 0000 M O 0 0 0)00) 000 IE) 100 M - L0 0000 et N t` O O O M O O O 4 I a (66,- r` Its O M 6 (f) 0) 10 0 0) (0 IA In I0 ca '- co IA .- ..- CO 10 CO u) P ct i E_ __ _ <- 0 O N i- A EA ER EA EA ER ER fl, fR EA EA EA EA EA 69 EA EA ER EA ER C O 0 W , , , , ci , , , , O O 0 O. 0 o Z' LL A EA fig (A Efl EA EA EA EA EA EA to EA EA fA b9 69 ER Efl = 0 O. o 0 0 0 0 ° 0 = o o r. L` a 0) a °) ) 10 0 U 5 I L.r) Irn Cr a U 1 o LL A EA 69 ER 69 ER EA EA EA EA EA EA 69 ER EA ER 69 EA EA N — V O O O O U) i . I I .'. 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WE W a Eua a) L o u (V Q) 1, Z Z cn (> Z W /. 0 CD F .c H H .c 0 t M .L Z L C Z . a) a) a W m CV Cn Z — ,-0)N � cc 1 — a a 0 N y N >+ >, y a) U p a) a) N " c m o _ E CC CI. — r c > o «a c ) c 3 a) m o 3 , m �' ¢ Y . a) a o h. ti r- 1` h. h. ' Eb a Z 0 °0 ° o ° o ° o o °0 0 0 0 0 0 0 0 0 3 a) O N N N N N N N N N N N N N N 0 N O N O }. . w r E'7 ct '� OO CO N CO O O N c0 0) a) ,,; C CL) a O r N N N M N M N } co O G CL) ^ N N CV N N N N M M <- .- N U) In 0 a Z Ed O, a) a) O 0 Z N Prepared By: Preston O. Cockey, Jr., Esquire Preston O. Cockey, Jr., P.A. 110 E. Madison Street, Suite 204 Tampa, Florida 33602 RESTRICTIVE COVENANT AGREEMENT This Restrictive Covenant Agreement ( "Restrictive Covenant ") is made effective this day of December, 2012 by GULFSTREAM GARDENS, LLC, a Florida limited liability company, 601 Bayshore Boulevard, Suite 650, Tampa, Florida 33606 ( "Developer "). 1. Recitals. Developer and Boynton Beach Community Redevelopment Agency, a public agency created pursuant to Chapter 163, Part III, Florida Statutes (hereinafter "CRA ") heretofore entered into a Direct Incentive Funding Agreement ( "DIFA ") dated as of August 14, 2012, related to that certain project known as Seabourn Cove Phase I, City File Number NWSP12 -001, developed on the real property described on Exhibit "A" (the "Project "). Pursuant to Section 7 of the DIFA, Developer agreed to place certain restrictive covenants upon the Project and in furtherance of the foregoing, Developer has executed and recorded this Restrictive Covenant. 2. Certification of National Green Building Standard. Developer represents that all units constructed in the Project have been certified by the National Association Of Homebuilders Research Center as National Green Building Standard Gold in accordance with the National Green Building Standard ICC 700 -2008. No restriction may be adopted that prohibits or limits the ability to achieve the foregoing Gold Standard and any attempted restriction shall be void and of no effect. 3. Electric Vehicle Charging Stations. Two (2) electric vehicle charging stations ( "EV Charging Stations ") have been installed in the Project. Such EV Charging Stations shall be maintained in good working order during the term of the DIFA and shall not be relocated or removed without the written consent of the CRA_ 4. Project Manual /Resident Guide. Developer has prepared a Project Manual/Resident Guide approved by the CRA which is distributed to the occupants of each unit to familiarize each occupant with the Green Building practices implemented and the impact of occupants' activities on costs of operating the 'units in the buildings within the Project. Developer shall also provide training on all egisipment operation and control systems within the units at Developer's sole cost and expense. The Project Manual /Resident Guide shall be continuously available at the : Project and shall be distributed to the occupants of each unit when they take passion of ttheir unit. 5. Systems Auditing. Pursuant to the requirements of the DIFA, Developer shall cause a systems audit ( "Systems Audit ") be performed on thirty-two (32) units each year for ten (10) years, commencing in the year funding under the DIFA commences. the Systems Audit shall be conducted by an independent auditor, selected and paid for by the Developer with the approval of the CRA, in accordance with the definition of systems auditing in Section 2 of the DIFA, as evidence that the units continue to meet the Gold Rating criteria of the National Green Building Standard, and to insure that the EV Charging Stations are in working order. The auditing process shall be based upon the schedule attached to and contained within Exhibit D of the DIFA The independent auditor or Developer (or its successor in ownership of the Project) shall have the right to access the audited units to complete the Systems Audit during the term of the DIFA. The Systems Audit reports shall be transmitted to the Development Services Department of the City of Boynton Beach annually as provided above, commencing April 30 of the year in which funding commences under the DIFA, and no later than April 30 of each successive year for the duration of the DIFA. The Systems Audit Reports shall indicate the units' compliance with the Gold Rating of the National Green Building Standard. 6. Inspection. Upon ten (10) business days' prior written notice and at any time during normal business hours and as often as the CRA deems necessary, there shall be made available by Developer to the CRA for examination, all of its records with respect to all matters covered by Section 5 of the DIFA. The CRA shall have the right to require copies of such records and/or to conduct an inspection of the Developer's records regarding performance measures at any time for any period covered by Section 5 of the DIFA, all at the CRA's cost and expense. 7. Termination. This Restrictive Covenant may be terminated by Developer or the successor owner of the Project thirty (30) days after the termination of the DIFA for whatever cause. Provided, however, no recorded instrument of termination shall be filed in the Public Records until ten (10) days after written notice of such intention is given to the CRA and the CRA fails to object within such period. 8 Miscellaneous. This Restrictive Covenant shall be binding upon Developer and its successors in ownership of the Project and shall be deemed a covenant running with the land. This instrument may not be amended, modified, revoked or annulled except in a writing executed by the CRA or pursuant to Section 7 above. The jurisdiction and venue for any action arising out of or related to this instrument shall be in the state or federal courts having jurisdiction in Palm Beach County, Florida. The instrument shall be governed by Florida law. In the event of any litigation arising out of this instrument, the prevailing party Shall be entitled to recover its reasonable costs and attorneys fees in additional to any other awards. 2 Wherefore, Developer has executed this Restrictive Covenant Agreement effective as of the date set forth above. Witnesses: Gulfstream Gardens, LLC, a Florida limited liability company Print Name: By: Jeffrey B. Meehan, Manager Print Name: STATE OF FLORIDA COUNTY OF HILLSBOROUGH The foregoing instrument was acknowledged before me this day of December, 2012 by Jeffrey B. Meehan as Manager of Gulfstream Gardens, LLC, a Florida limited liability company on behalf of the company. He is personally known to me. Notary Public ( Affix Seal) Print Name: Notary Public, State of Florida 3 Exhibit A Legal Description All of the plat of GULFSTREAM GARDENS, according to the plat thereof as recorded in Plat Book 107, Pages 175 and 176, of the Public Records of Palm Beach County, Florida. 4