Filing # 60852713 E-Filed 08/24/2017 12:37:12 PM. Larry Schneider, From: Henry Bolz Sent: Monday, May 15, 2017 3:30 PM To: Larry Schneider ce: Garry Smith (gsmith@firstambank.com); Carlos Molestina (cmolestina@firstambank.com) Subject: RE: FAB v. Schneider - Property Inspection: 17685 Circle Pond Court, Boca Raton, FL 33496-1002 Mr. Schneider: FAB opted not to inspect the property in April Regards. From: Larry Schneider [mailto:larry@sacapitalpartners.com] Sent: Monday, May 15, 2017 2:43 PM. To: Henry Bolz Ce: Garry Smith (gsmith@firstambank.com) ; Catlos Molestina (cmolestina@firstambank.com) ‘Subject: RE: FAB v. Schneider - Property Inspection: 17685 Circle Pond Court, Boca Raton, FL 33496-1002 Dear Mr. Bole, | Just wanted to reply and confirm that we are indgreement with the inspection time and date. | also wanted to state for the record, per our call, that | had expected to receive a notification of some type from the Bank last month, in accordance with the Circuit Court’s March 28, 2017 Order. | have been and continue to act in accordance of such. For my protection and based on our history with prior counsel, can you please advise me if you sent a notification to my prior counsel concerning the April 2017 inspection. If so, please forward me a copy of the notification for my records so I can send a letter of explanation to the court. Regards, Larry Schneider 1" Fidelity Loan Servicing, LLC 2901 Clint Moore Road, Suite 410 Boca Raton, Fl, 33496 Cell (305) 710-4201 From: Henry Bolz [mallto:hbolz@kellerbolz.com] ‘Sent: Monday, May 15, 2017 2:04 PM. To: Larry Schneider FILED: PALM BEACH COUNTY, FL, SHARON R. BOCK, CLERK, 08/24/2017 12:37:12 PMCe: Garry Smith (gsmith@firstambank.com); Carlos Molestina (cmolestina@firstambank.com) ‘Subject: FAB v. Schneider - Property Inspection: 17685 Circle Pond Court, Boca Raton, FL 33496-1002 Dear Mr. Schneider, This email follows up on that telephone conversation you and I had earlier today wherein you advised that you would make the above-referenced property being foreclosed available for inspection by First ‘American Bank's representative at 2:00 p.m. on Wednesday, May 24, 2017. Next week's inspection will be conducted in accordance with the Circuit Court's March 28, 2017 Order. In the event that it becomes necessary for you to change the time/date for the inspection of your property, please give me a call or send me an email a day or two in advance Regards, Henry H. Bolz, III Keller & Bolz, LLP 121 Majorca Avenue, #200 Coral Gables, FL 33134 ‘Telephone: (305) 529-8500 fax: (305) 529-0228 mail: hbolz@kellerbolz.com IMPORTANT: THIS E-MAIL, AND ANY ATTACHMENTS THERETO. IS INTENDED FOR THE USE OF THE INDIVIDUAL OR ENTITY TO WHICHITIS ADDRESSED AND MAY CONTAIN INFORMATION THAT 'S LEGALLY PRIVILEGED, CONFIDENTIAL AND EXEMPT FROM DISCLOSURE UNDER JF THE READER OF THIS E-MAIL IS NOT THE INTENDED RECIPIENT, OR THE EMPLOYEE OR AGENT RESPONSIBLE FOR DELIVERING THE E-MAIL TO THE INTENDED RECIPIENT, YOU ARE HEREBY NOTIFIED THAT ANY DISSEMINATION, DISTRIBUTION OR COPYING OF ‘THIS COMMUNICATION IS STRICTLY PROHIBITED. IF YOU HAVE RECEIVED THIS E-MAIL INERROR, PLEASE IMMEDIATELY NOTIFY THE SENDER BY EAMAIL OR TELEPHONE (IF CONTACT INFORMATION IS PROVIDED) AND PERMANENTLY DELETE THE ORIGINAL OR ANY PRINTOUT THEREOF.KELLER & Botz ‘iid Lb Pinehp JOHN W, KELLER, II* 121 MAJORCA AVENUE ‘TELEPHONE (305) 529-8500° MENRY Ht. BOLZ, il SUITE 200 ‘TELEPAX (305) 529-0228 CORAL GABLES, FL 33134 aoacn eo \WWW.KELLERBOLZ.COM: | ined EMAIL: hbolz@kellerbolzcom ‘Boat Cerinéd in | Admiralty & Maritime Lavi November 30, 2015 VIA EMAIL and U.S. MAIL, Laurence Schneider 360 East Coconut Palm Road Boca Raton, FL 33432 Re: First American Bank’ October 30, 2015 Email Directed to Brian Hagan (RESPA) $1,500,000.00 HELOC Loan =July 28, 2006 Deat Mr. Schneider; Keller & Bolz, LLP represents First American Bank ("FAB"): As you know, Bank. of Coral Gables, LLC merged into and became FAB in December 2014, This letter responds to.that érnail which you-sent to Brian Hagan at 3:05 p.m. on Friday, October 30, 2015. Brian Hagan acknowledged the receipt of your October 30, 2018 email. with his email back fo you at 3:44 p.m. on that same date. This correspondence constitutes a timely response to your October 30, 2015 email which purports to’ constitute a “Qualified Written Request” ('QWR") under the Real Estate Settlerrient Procedures Act, 12 U.S.C, §2605. Yoiir Octdber 30, 2015 emall seeks information and dociiments beyond what is available through ‘a QWR. No specific. date, amount or category of cliarges are identified as grounds for your claim that “The amount you [FAB] claim is due for October is incorrect.” Under the applicable law, a servicer must provide information (not necessarily documents) ‘rélating to the servicing of a loan." 12 U.S.C. § 2605(e)(1)(A).. "Servicing” in turn is defined as “receiving any scheduled periodic payments. from a borrower pursuant to the terms of any loan.” 12 U.S.C. § 2605(i)(3).. Your requests reach fat beyond this statutory scope. Your October 30, 2015 eimail, for instance, seeks information relating to the origination and validity of the loan which does not fall within the term “servicing” as defined by 12 U.S.C. § 2605(0)(3).Mr, Laurence Schneider November 30, 2015 Page 2 Accordingly, FAB considers your inquiry to, be. overbroad. Pursuant to 12 C.F.R. § 1024:35(g)(1)(l), FAB has no obligation to provide you with the information or its you request nor with a formal response. Despite thie above-outlined objections, and despite {he fact that your October'30, 2015 email was not submitted in conformity with 12 U.S.C. § 2605, and without waiving ‘its objections, FAB has conducted a search for the information which» you, have Tequested. The following documents regarding your referenced account are enclosed: 4. July 28, 2006 Credit Agreement. 2. July 28, 2006 Mortgage (covering the real property logated at 17685 Circle Pond Ct., Boca Raton, FL 33496). 3,. July 28, 2006 Disbursement Request and Authorization. 4. Statement of Account for .your Home Equity Line of Credit (HELOC) (encompassing the ‘entire period that Bank of Coral Gables/FAB serviced your loan): The above-referenced Mortgage Was duly recorded in the Official Records of Palm Beach County on July 31, 2006. The original’ Mortgage and the origital Credit Agreement are being securely maintained by FAB. The foregoing documents also reflect that on July 28, 2006, you obtained a $1,500,000.00 HELOG. loan which was fully drawn down, to its $1,500,000.00 limit by November 21, 2008. The loan has essentially remained fully drawn down since Noveniber 21, 2008. You have only been making interest payments on this loan for the past Seven years.. The July 28, 2006. Disbursement Request, Credit Agreement and Mortgage ail make it clear that your HELOC has a ten-year term which expires on July 28, 2016 (approximately niné months from now) at which time the attached documents call for a balloon payment of about $1,500,000.00 (specifically, the outstanding principal, interest and any changes then due): To the extent that-any statements in.your October 30, 2015 email to Brian Hagan consist of any allegations of wrongdoing of any type or nature by FAB, Bank of Coral Gables, LLC or otheiwise, all such allegations are denied.. In’ providing the: above response, FAB is not limiting ot waiving any rights or remedies it may now or hereafter have whether arising under the loan docurients attached, at law or in equity, and all such rights and remedies are expressly reserved.Mr, Laurence Schneider November 30, 2015 Page3 In aécordance with 12 U.S.C; § 2505(6)(3), since receipt of your October 30, 2015 QWR, FAB has.not provided information regarding any overdue payment owed by you to'any consumer reporting agency. All-further requests for information or documents that in any fashion relate tothe $1,500,000.00 HELOC loan that was originated on July 28, 2006 should be addressed to the undersigned at the addréss on this correspondence. icprely, Hey }. Bolz, UI HHB/Amh Encls. ce;. First American Banké crEDIT AGREEMENT & ne a rn Referencos In the chaded eros ore fer our usa eny end do net Et the appleby ofthis €ooument to any parler loan orem, ‘Any tem above containing "= *™ hee been omitted dua to font ongt nation Borfowor: Lsufonee Seeder Lender: Bonk of Coral Goblas 721 NE 180 Terracch Lending Division 98 Mertick Way Suite Too Coral Gab (305) S00-a6or Badd CREDIT LIMIT: $1,500,000.00 DATE OF AGREEMENT; July 28, 2006 ‘Credit Ling Ageaunt") Issued through ‘ech and avery person who signs ths lank of Coral Gables, Yu saree te the Intiodustion. This Cred Agroriont("Agreement) eevee your tne of eet ho “ret Lin th Bank of Coal Gebles, In ts Agrcmont he words "Dorota" "you ur and “Appteon™ Mh ‘Astsment including el Derowersnomed above, Tho words "wo," "cs," “eur ant “Lender” {wing Yor ond Conon ' ; ¢ cit edvnie ond FANGR CHANGES, neta witha Mertgeaes witch ‘Ye wil pay your Gre ine eocordng tothe oyment terme tet forth bel, thar Te mae than oem Borrowey, Tebl on fs Forsentont. This moons wo ean reo any Detrwer to pay of smaunte dus under ts: Agresmes, mrad Brower Each Barrows’ euoruce any oer Berower, ons or her sinatra slons, to sanel te Cred Lia, to eget orl Sdvonce, and too af the things races tht Rovecrent ond he othr il romain responsi, Tomis Tho tom of your gn ne cf the data af tis Agrecmht HOpéntng Dat") snd’ wl conte unl Sly 28, 2018 (Maiuty bate,” Al ndobtodnese under iis Aueament, nt aoedy pad pusustef0 the paynentprevisiene belo wl bo dio end pavisia on matty. Th rw pao of yout Cet Une wl ein nt, feb Gein Bt, when th Aree seco by ue fn the Ste of Fler, follwing tha mapation af te tht Yo cancel tho pfeton af the Matgog, tho roca ofa reed cattes of Stoneeneaatton, andthe mncing of et of our eet condor and wallet os flaws: ‘orm ef tha lone Yeu hy sbi srs evans Sing ths ered (Brow Period"). You ogres tot we may rene xena tho pled daring wich You may Sbtan well adyances Or mek fament, You'turthar are tot naw or oxen yout Goa ing Aczaurt tehnim Payinent Your “Regul Payment” wil equal ho: mount of your ooarved MANE CitANGES, You wit eke 118 of theke pepe, YEU th te pay han ozs hig ech aoe jet. ou mak nh mu eran Yo tay not epey any ofthe principal bale bythe end afte peymant ream. Yourpoyrnons wl Ue due month. Your -wininom Payton wil otha agua Peyman, ple any amount dua end all other ehereg, An ntoos Hf the ANNUAL PERCENTAGE RATE may brunt of your Roger Payer, You ogo to poy net es thon th Minimum Peymenfon of boar he ue deta ide tip estoment| j tos Pernt. You Cred Ln Aooit pyei i i upon malty th nl enn sayin You net ph ns otanng fring (narest and any ether ehogee than due, Users oibrutza requ by apples law, we are under ne eblgeon to fefinaneo the faoon payment at that tie You may be rgd to maka payment oof oe aafets You own ora leer, whlch maybe, wing lend yor'tha money. Ifyou rfnnie the balocn, you may hav fo py come ol ef th elesog coe normaly sssoubted wih how eet tha eecount, even you obtain relinaela from use nee How Your Payments Ae Apolo. Unlais athriso spfed ot resus bp apesbl Toi, payments aid attr diedts wl i épptad to Paymana Wb opted theflosng orate Pcp} Lats Fae & Golan Gore Retipt of Poymante,. Ai paymeits must bo ede by w chock, autgmatsexcount debit lactone fonds wansfor, meray order, of ster Inetument in Us, dlond must bo recived by us ot tha omltaned sevens shoia eh Your proio bing stator. Payment ocaved st thet cee prior ta 200 pam, Easton Standard Tne on any bushoss day wil be wrested to your Croat ino sof he dl eceod, we indignant berets sch payment wb edd pomp oor Ged in, cena Moy one ue joy oer esi. " bs Creat Lint, This Agroamont cavers rovlvng tha of oie for tho rnc rin of Oke Millon Five Huiéréd Thavsnd & 00/100 Oolirs {600,000.00}, wh wit be your Crest init Undor is Agraerant.. Dung fe brew Peried west hanot your request for exedt ances subject to the sectfon below on Lender's Rights, You may bolrow sgilnst tho Cledit Una, repay ahy portion of tha amount bofroved, arrow up othe amount ef the Grex Ll, ~You eat-in eto meximum engunt You may havo etetonding tay one ine, Ye barge not to atompt,rquit of obten are edvane ht wi aks au red Lie count banc oncoad your Ged ink. Yaw Ged Lin wit tbe Inereosed should you ovearvyyour Gra Lina Account Ifyou oxcod Your Gast Ll, You opr to pay nada the mount by wish Your Gro Line hecountexcdode your Cre Uni, yen I bed yous Any eral advencsInencers of out ‘ret Lit wi not be secured bythe Martgegecaveng Your papel sling. {horse t9 your Credit Line, Wa may charge your Grd Line to poy athar fos sd toss thot Vou at obte to pay under tls Aaromant tho Mentgage or any ether document related to your Cre Une. odaln, we may charge yar Cro Uno fr funds req for eonring Inaureneeeovarogo 03 desea the paragraph tld “Iraurenco" belo or as daserbed fr tho Metgnge fort ancason, Wo may ao, aur apion, charg yout Gre in to pay en caste or expences to protect ot povfeet ou eect ores Your paca Swelng. The ste otexnanzes Iolo, witout itt, payment to ere defaults under any ening Henson Your prises flicg 1 You 8990p tates, Wo my chug Your Great Linn and ay the delnauert son “Any snout so crgad to your ered Lino il bo 8 eros ‘il decrease tha funds evelebley I enjrundar tho rod Lin. Hoover fe hove no bgton Yo pee any of thereat vere oeted fonts porgraph ih rect Advances, After the Effective Disbursomeng Doe fe Agreement, jou may gba ero edvaneos undo your Cid Lina we foowet {rei tne Chacke, Wing pronted "Heme Egy Lna of Crt Choo iat wo Wit supply to You. Agaweats By Nat, Roguanting an advance by mal. nninteoost in Peraoi. Ra@uésting o ered advance In pbison at any of our eubetizéd leeatlons, 4 Request. Advance requbsts con also bo sont vis fox, : Piamige to Pay. Yeu promise to pay Denk of coats nd expenses for which you ere respons 3 have noté CREDIT. AGREEMENT (Continued) 6 foe It theis is more then avd peisen authorized fo uae thls Credit Une Acéstnt, You ogroe not to alo us costing insiwetlnt, such os ona Eortowertaling us not to oh advances to tha oth if -Ufatons onthe Us of Checks, Wo rsa hei nl to hnerHdme Eau Une of bee Chock nhs flowing cleustensost ‘red Lit Viton. Your Cre Lnit hes Been or would bo oigeeded by pong ths Heme El Line of ret Check. Postdsted Checks, Your Homo Equity Lo af Cra Chock posted. I a postdated Home Equly Lng of Cred Chak te "est on oor check rotund or tak wo rhe fasponioeg A ‘Stoton Chacks. Your Home Equity Lino of Credit Chocks have bean reported lost or sjolon, autho Signtues. Your Home Equity Ua of Cet Chook not ned by on “Authvieed Sian a dete blew. Terminaton 1 Susponson, Your Ceol Une hes been tarmnsted or suzpended ax brovded In tls Aqramont eal be if wo pala ie Fob exulty Un of Gash cneees p “ranageton Velaton, Your Héme Eau Lino of Crodt Check line than tha lakh amiouatseuted by tl elation of ony other tanzacton roquoment or woud bot wo pod tho Home Ex Uns ef Cad Cheeks {1 wo pay any Home Equlty Lina of Credit Check under these conditions, you must repay/us, subject 16 appillaabls'Taws, for tho omount of the Home qulty'Line ot Gout Chock ‘Tho Home Equly Una of roa Chock Isl te evince of your Seow us tonite eh ‘areement. Our sb I any, far wrongful donor of check mito to Your actual smsgen linen ff on rose so role’ te ‘Agreoment Is not wrongful denen, We may choore nat to retum Hams Egy Ling of Cecdt Chocks eng sith Yor peste Ga ‘etamants; haar, your use ofeach Homa Egy Line of Crest eck wl bo alton our palace statement 9 es savoneas We, ot Seely" Home Equy Lina ot Grog Checks dan en our Cred Une ‘Tinsoeton Requeeménte, Tha folowigwahzactibn inane vil eply to the use of your Greene 7 foayest By Hin Porson Rost, Fax Reguet eid Cet Ine Heme Eaity Une of Grét Chick Linton, Tha folowing nsseton lations lapel t your Creat Line and requesting an adyenco by ms, roqustng on advance In pean, sect bY eter aoe tnd th wg of Home Equity Lin of Cet Checks ' Mdm Avon Anoin The imum aunt of any cod sven thitcn bo msde an your Cro Ue 430000, Te ‘anne ony Hore Equty in of Gre Ghosk must he wit fe at est shai sdvonee punts " ‘Authoiad Soneas Tha words “Authored Sigh” on Heme Eauly Lin of Cet Choi assed Inthe Aaremenk mein en inc eieh Brzon wh, (sans th eppleaon fr tis Grd Lo, fb gn ive Agrenment och exesled a separate sate saber cee forthe Gre ine Account, oT i i Lost Home Eauly ina of Credit checks. Voi fso jour tame Edity Lino of Gro Ehocks ef eomeono ia sia thet witht yur garrison, you sore toot us Know Inada. ‘Ths (eteat way tonal u by ealag Us ot (G08) SOOSEOT. Nec re cen nay Usa Bark of Coral Gables 06 Merck Way, Sute 108, Col Gadla, Pe SOTSe, ° : Future Crodit Line Services, Your eppiication for thls Credit Line slso sorves as a fequost fo recelvo any naw services (suth es eccess devices) Which may bo avalible st somo future me os ana of ur caress laeannscion with ths Gredt Lis. You undeatnd tts equa \olntry and thae you may refuse any of theeo ne servers at tho tina toy so ollered. You further undortand tet te tem end canaahe Sf tis Apreamant wil govern any oneacons rade pursue to ay of thee new sence : Gilotzol You ocknowledge tN Agreement le eseuedby the follwing colteral deserted In the security tnstranint Bted her's ‘Open nd Marie dated sty 26, 2000, ta Ua fea propery lead In Pol Boosh Gauny, Sat f oe. Insure, You mist obtla inure onthe Property seeing ta Agfodmant that is reazonablysalsfeotor tos. You may bial popsny Insurance tough any company of your ehlee tet reasons astslstny tot, Vad have to enon of proving on Weeses ated ‘under this Agraoment though an éxisting policy or 9 policy Indopcndchtly obtelned and pid for by you, sublect to bur fight, for rovsonable vse bafre cots exteded dake my inesnco peed of you Sasee orks ee free ak eee eee 835 raid in tho Morgen, wo may purchase Inepenca to protest br cum itrest ea the promom to Yur blney, pave tay ser femodls avalelo ts, ord anyone or mar cf thee gy i : Tight of Stet, she axon prmled by epaltcsla av, we costo ooh of sat yar eaount with s(t ceding, seins, ‘Soma sts sesount Including without nae, el secaints yeu may epentn theft Howey tls dacs bo de an IS st eh ‘secounl, Gr ahy tnt accounts for which sollf would bo poked by te, You authorize us, te extent parmtd by spaces lr to har of ela ll sume owing on tls Agraemént oper ay and euch exsount an, et dur option te bamlatabey poze a och, _seoounts fe alow vo prbtoct eur eherga and stat rights provided Ia tis preppy oe ia Statement. It you hove balance oliog 8 Your Cred Une Account or have ny account eet, wo sit eid You a pads gtstement. I wil shots, among ether tinge credit eWvenses, FRANCE EHARGED, ater charge, payments mats ete ery Yat ‘eavoun Bolen,” and Your "Wei Balanes.”' Your sttoment sho wit ley the Midinum Payee You tat make fer tat ing pod td th deta ce ve “When FINANCE CHARGES Begin to Acsrue, Porlodio FINANCE CHARGES for erst eavances unde ‘your Crodit Line wil! begin to accstio on the: ate credit vances ora postad to your Cre Lina, Thar sno "es id pros wich woud slvr yey toavld» FANE CHARGE on Your ‘ret line ered suvanct i i Motes Used fo Determine th Dalene o Wich the FACE CiiANO# Wh Be Campus” daly FHVANGE CHANGE wil kod bn a ‘credit advances mado under. your Cradlt Ling Imposed from the date of each credit advance! basod on tho “dally bolanco’ methed, To gat th daly lane, wo too the begining balance af Your Cred Line Accoun.uch dy, add any, dew advan and stack sy pyets or ced fd ny ngsld ENANCE CHANGES, This vs os be "aly blones” * 5 ‘Meth of Detertang the Amount of FINANCE CHARGE. Any FIANCE CHG is doainlned Sy poy tha YPeioee Ras oth blaca dazed hotel. Then wo aad tagethr tho periods FAANCE CHANGES fr och Gay In the Sing ets. This ls Your PNANGE CHANGE Ssiclsted by eppivng Peder 5 : ‘Youale ope to poy FIANCE CHANGES ot ctueed by spi Pde Rae a8 stort bolo : ‘Adaiocl Fnsnca Charges The folowing adlonl FANE CHANGES wil be ceide to Your Celt Lo rain eas | \Undorwing t Bank of Corp Gables: sincesh 4800.00 | gai ' ipo ** Lean'Ne: 40000008 find ba' eyes : CREDIT AGREEMENT : . * +" Loan'tto: 40000006 6 (Ceritinuod) & Pago 3 “Tox Service to Fret Ameren: a incssh $170.00 ; Porledie Rote end Coésronding ANHUAL. PERCENTAGE RATE. We wll doisrmina! tha Petiodle Rate and’ the Eonegpending ANNUAL PERCENTAGE RATE os fllews. Wo start with en independent index which Is tho Wall Siege Journal Prime Rate (te "index, Wo wil uso the ‘oat razent Index valuo avelaia to us az of tho dat of any ANNUAL PERCENTAGE RATE aajvetnent. ‘Tha Indox lo rt nacaseetly the lowest {ato charged by us on our loans. If tho Indax becomes unavallabe dung the term of ths Credle Line Account, we may designate eubsttuta x altar alee to you. Ta determing the Pacosle ato that wil spply to your account, wa take the vsive ‘et the Inde, ound that to the ‘otroet 0,126%6, then avid tha roundad valu by the numbor ef days fa Yoer (oly). To tbtein the ANNUAL PERCENTAGE RATE wo rathy ih Ee Fat bythe ur of days a yt sy The su the ARNURL PERCENTAGE BATE, The ANAL PENEEITAGE RAE Includes only Interest and na other costa, . ? Potldie Rate end thé coreesponding ANNUAL PERCENTAGE RATE on your Credit Lif wil Inreaso oF deéroaso ai to dex incrostes or ‘eroases teem time to Uns, Acjusimants tothe PerledleRato end the cavssponding AHNUAL PETICENTAGE RATS fesling tem chenges Ih the Index wil taka etfct daly. In no event wil th corresponding ANNUAL PERCENTAGE RATE be more then tho lesser of 10,000% ot the maximum roto lowed by oppliseble Ins. Today the Index fs 8.260% par enum, and therefore the fits Perllo Roe aha the onzospondlng ‘ANNUAL PERCENTAGE RATE on your Credit Lng ao en stted lows t (Guient Rates forthe Fl Payrient Steam ange of Bitence IMoratn aaced ‘ANNUAL PERCENTAGE Daily Poidie ‘sr Gondlons Nolndex. RATE ate ‘All Balanese 0.000% 3.250% ‘.02200% Yiotuthatsising any other Grovilon of this Agreement, we wil not args ites oj by ebieed oan prched, exept ax may bo gem ng any Noi fsb pr Nomar what ony be ada oy to osc of Arete tb a ter ocument you may hove with us, you dot agree lntnd ta poy, and we da not sped or ftend to chor on iterort ees fr the Creat ‘rement which woud in ony way cause us to centro! fer, chage or eae ore fr {ha Gre Line eceunt thant mtn we Would ba pormited to charge or cae by ony appli feduralor Heid tote ah Any Su Nees Interest er urouharced feel ve aed eet to reduce tha unpald principal balance of the Credit Line Account; and whon the prlnelpa! had been pold fn full, be refunded to you, {eins Under Wich Other Chorge ayo Impeeed, You pte 1 pay th ole foes an chigeeflsted ta your Crt Line oe et fat row: ? 3 ‘Annual Foo: A noneundsble Annsl Fé 950,06 lb ciged to your rédLn \Retunad lame, ‘You moy b charged 490.001 you pay yeu ed Ur ction, {er eny rouson unos epalnti le requires for chit or epibs soy eee, ' Feet Step Payment. You Cred Une Account mia be cherged 30:00 hon ya reqyent stop payment cn your aoioun. Lite Chern, Your paymont vl bo lt I Ii fit réaived by us. wihin 15 doe-afler the *Payrint Duo Date shown en Yur bette Etlement yor payments to wo may care You 800% a tw peyinane 80, whichever arses | Groat Lae Cheek Pining Chorge. Your Credit Uno Aécount may be chorged 46.50 plup Shipplng & Hendng. | Secu Interest Charges. You agro to pay lf seu Itretehargos Felted to yorCredi Une es eot forth bagi ; Hloed Certtéation to Fist American!” 918,00 + | ‘Appralel Foo 880.00: i Recording Foos 10 Document Propsation $226.00, Fi Tilo Examinetion te Hoviotd W. Mailotha90.00 7 : the folowing time: Annuity, ith @ chock, draft, or other item that fr dishonorad Tou - : or ‘Sheciat Takes. You epro to pay ol toxs related t Your Crt in} Inangtto rae #200000 P . ‘Doe Stamps 4260.00 i " Total ¥8250.00 i tt Figs. Unit hs Aran, i hive tho fol6ing Hts ! “elastin snd Acolatin, Wo ean termes you ret Line Ascot ad sal you 16 who anti oustreg bles aba fen and charge you cari oa lan of te faring Basar i Yed sem autor makes malandwlrpceetsiey of ony tina connection wit ths cre Aveomant ‘Ths con nce fr oxampe,& face statement shout Your eon, etet bios, fy ether epost f your noel eanatan El You dort wast he epoymant tos of le iedk Aeon Tour ste of. Inaln vera fleets tector orto pan oo igs ate easter i eon ble fr exo, eure to msn rexbed Fsuranee, waste odostuntve uno of he dog, faa apy ates: ea of el perens fall Sh second trots sso at tho dling fection ofa ser don on tha dling wihau ut pension foes by the ha of nae fn, te ae find ota deen for rita purges. : ' : stn sf Nadie, in dln toon) the daa wo meylave, we cen sudpend etdlonal tensions fed or Ere Li auing any pied nen sy fn coos oc m : ; {1 Ts le of Your pyperty datas sete blow the propery’ paz Valu for purposes ofthe Cred ne Aoount Ta ine dpaning coho navel ceeuntongas tf i (2) We resonéty votive that you wil bo usb to fil your payment ebigaonuhder Your Cet Une Acgsit dv to mates si ty tr, a r ad . (3, You mo In deat under any mat obgson oft Ca Und Aas Wo eager el of your cblgaon tobe te tetas of motoleelgaton clus ins ees Sseabed hove uncer Tomiaston soe Actclraben sine 5 eign sod ears on ie esc of ed sklgsions ancaring atone or tse Be repent tO pregetacalesions to poy and perarm the forma of ny ott dant of tute mrtgnge ase afte pepe, eoloaion ral Staril . @ = crevir Agreemenr . + §Lein No: éooo0006 continues) + sand ro provide document of Iiformaton tous (such a updated rast information); bigtlan to comply with ppleable laws (euch ex ‘ening restiltins), end blgtiana ef sny comaker. No dofauk wil occur untl woytal of delvorf hodcn of defect to Yu, 0 Yau ean festcro your ight to ere advancoa, ? (6) Wo ave precluded by goverment sctién trom imposing the ANNUAL PERCENTAGE RATE provided ff Under ss Agreemiant, (5), The petty of eur socithy nterost la severssly afectad by governméntéetlon to tha extent thatthe velo ofthe security inti is {ess than one hundred twenty poreent (120%) ofthe Credit Limi, {0} Wa have bocn notlled by goveenmmanteleutharty that continued advancos may Géndtltute on uncafe ond unsound bisloss preétlea, Gute ic Wastin cre inp coriatnel miei ta ean ees crm eae teal oe ihn en nt to re rere rate aa fcr le ce rey tO ate ts te Ee eee ime Sree unten meet ca yn ee beets naa : " Calication Costs. Wo miay hie ct poy eoméoine els to help coliot tls Agreomont If yoi do not pay. Youi ful pap us the amount ef thes Stahrahan eine ice ater’ tanta tge ee a Secrets oo mrs Fin peed paw mr acne ot i tie eh nk ap ri hl roo pm, ang tre ne pene Mo tora Access Dovicos, "M your Credit Lino is susponded of toiminated, you rrtist immediatly rawurn to us ell Home Equlty Une of Credit Checks Ser es ry a eco x od ee tn a ran nl Cts So scarce yam caer ant ee hen gravee ees iris ore, Merny sy bn ait sol cs nr im in Gn Si al os eae ec a eit te ie aie itn ee CE ae or cae noo he Gonsolition by you. If yu cence Your righ to cree advaness unde tis Agtoomont, yb must Nally is sid rate al Home Eqity Une of Gait Checks and any cher gocass davies to us. Dasa cance, your obfgntons undar tis Agroemontwil'emsin hl fea sid coffee unt you hava pold us oll amounts duo under he Aprasmens e Prepayment. You may pfopay all r say amount 6ving under thls Credit Lino 6 any ina without pansy, exzept we willbe ented te recat sll Beeruod FIVANCE CHANGES, and other charges, I ny, Payments In exceos of your Minimum Peyment wil not rafeva you ef your ebgaton ‘continue to moko your Minimum Payments. Insta, thy wit redveg the pincipal alepce owed on tho Credit Une, Yeu agree not to send eld In ful, "without recourse, or elma language, ll you send euch o payment, we may eccept Ik whheut lasing eny of Agtooment, tid you wil emsin olgated to pay ony. (uhor emount owed to Us, All writen communiestons eancerning lsputed mounts Inclusing sny'chack er other payment Instrument tha lacests thet tho payment cenatituts “poymant in ful ofthe emount ‘odor that Is tondored with other eondltlons of Hritslons or aa ful estan af a spjed amount must bo meledordslvered toy Oank of Coral Gabos, Attn: Loon Gporations, 85 Mocick Way, Suita 100 Coral Gabos, FL’ 29134, Stee A oles wil beaut your ocrss as shown nts Agena Noles wi bp sted to you os ferent adest yu gv vs writen tee ot aaforantedrea” You ogi te she ve pa You sce se ' Geet iheimaton and aloted Matar, You authorize us to fleece nfejmaton abet You td ti partos 28 described Ii ur pvey poly ot ‘our Fal ret Reporting Act natin, prowdod you de et opt ou of tip opplsble patsy br a= permitted By law You af tats upon our 3qbes, you wl provide us with «currant finan statement, c ne eedteppcstion, of Goty forma provided by us, You tes opree Wo ‘may ciel eredt reports en you et eny ina, at ou sol oll and expense, fran eodoh, Icuulg but rot fined to éoterning wheter thera fas baen an edvarsa chang ln your nanca condo, Wo may reqas «naw pyle ofthe Property whieh secre Yur Gra ine ot ny tne ining on ital Inspection, at our ele option on exparae, A} “Transfer of Aeslgnment Without lor otc or approval rm you, wo escivéthe lub cel or wanaer your Cre Lin Account an Sur ahs nd oblostone unde ths Agrooment to anther lenders pacon, and to ssign our nga ander te fracas Yow hts dot tis Agreement belong to you ony end my not bo tanefored of belond. "Your eblgalone, howovor,afo being on Yout bal an teal Feprasenatves, Upon any such sete or tonstor, we wil hve ne frthetsblpslan to prove you with rcltsdvancer ort perlarm any ote thigoton vider thasAaroent J : ‘Tak Consequences, You understand that nether wo, no ny of ei omplajeos or agus make any roprosentslon or witty vkstioor saresrrng th tox consequence ef yur stalhing enduring Your Crt in, cing the decuctbty af nereat and that ater enor ut employoes of agent wit be len the event intrest on Your Cro ia le nat deadatbte Vou shoud consult Your on tx elo for ‘uidenta ants etfoot, : Natty Us of inaccurate Information We Roprt To Consumer Reporting Agencles. ‘Plasse natty us {f wo toport any inecturate Infermation about ‘your ‘coon 10 consumer reperng opens Your wien alee desaibng th spans Iasearecylo) should be een 2 Us 8 ha Totowiog eaéress: Bank of Cel Gauss Aun Loo Operadona 95 Yrtck Way, Sue 100 Cara Galea, FLOSTM, 1 1 9¢ countertain brought by elthet is or You agalnst Sy ver, ae you Reb we thei o ay float, ‘the other, (Initial Hera : ny verng Lvs, THs Asan ve goined by the sao Fide wot av apples tous ond, tothe extent not piodimpted by Vodor ard tots confets of aw provisions. This Agreement has béen accepted by us inthe State Ir lawoult, You saree upan our request to qubmit to tho Juiasetlon ofthe courts of Mlin}Dade Coun, Stato ot the laws of id, ' i rings In nceotdoned Pago 4oo “@ «ochevivAcreewenr' @ 1 {Continued) 1 Page 5 Ccftlon tcasings, Conlon headings in thls Agrearient aro for convenienes purposes only and are not to bg used to ltaprt or define tho provisions pf ths Agrooment. . 4 {ntorpretaton. You 2o7ea that thls Agroement, togather withthe Mortaago, i tho best exldonce of your agracmonta with ut. if Wo go to court for any reson, wo ean se 9 copy, fined ef efecto of any palate statomonty te Agramen, tho Mertgsgo a oer decent to ‘prove what you owe us or that a insacon hss taken place, Tha eapy,mlcratim,elrpfcho, or otic Image wil heva tho same vallty 2s the erginel," You aotoo thet, excopt to tha extint you ean show thoro la billag erg, Your mest euiront porledia eatemnt le the Yat ‘evidence of your obigaton to pay. i 7 ‘Severability. If» court finds that any provision of this Agtooment Is not ald or should not be énforéed, that fect by Itself wil not mean thet the ‘est of thls Agreement wil not bo valk cr anfetaod, Thoraforo, a eourt will aneteo te, rest of tha provision ‘of this Agreemant can I's provislon of tis Agreement may bs found tobe invalld or unenfrceebla, : Acknoildarient.. Yu uniting end aaron to tho tos od ena ntt Agree. Qyslnng ths Agreed, you seknoviodgs tht {euhava oud this Agreement. You sen seknonedge roe of «tomblets copy ofa mgreomen, clei ie Fal et ng tee fd {ho eat homo og io of erect ppeton desea, in sodton tote nook end “What You eheud knew shot Hare Eau ies oF ced” gon wih te apteaten ; ‘bonnowen: ——E— : i : : “Tames STE no i lacie street oe Zag ht . ‘ . Florida Documetitary Starip Ta Florlda documentary stamp. tax In tho amotint required by law has been pald with respect to this Agroement on tho Mortgage securing this Agreement. \ ceCREDIT AGREEMENT (Continued) . Paga BILLING ERROR RIGHTS YOUR BILLING RIGHTS ' . Keep This nomic Foa ruTune.use ‘This notied ceintalns Importint information ebout your rights and our teaponsibilties undor the Fair Cradit Biling Act, ‘Notify tis In case of errors or questions about your bill: : iat A you thin You! ile Won, oF you ess mor lformaton abet &trnsittn dh youl i tis on sp : Ban of Coral Gobi : ‘its Lon Gpeations : Sb erick Way, Sue 106 : Cont Gates, FC 33138 ar ot he aca etd on your bil, Wit ou os porsbl. We mit hoa fem fou nba hat chy (8) dys thar we st you the ‘eat on which the eter or prblom appeared: You con wlophan vst cang Wil at parte Your foe In your liter, ole us the flowing Information: ‘Your heme and account numb, “Tha dolar emount ofthe suspected ero ‘Baccivo th eifor and explein, Ifyou car, why ys beleve thor isan eriog. It ou noed moe fafrmation, + Rotaore soot 4 joseibe tho Item you aro 4 you havo authozed us to péy your bill sutomatlely tram yout sivings or chacking Sedeunt, You cen stop the peyment on say amount you think Is wreng. To stop the payment, your lttr must reagh ua toe (3) business days Before the automatic payment Is scheduled to occur, Your fights arid eur responsibilities after we roecive your Wiltten notice. . ‘We muit ecknoytadge your liter within thay (30) dave, unless yo hav crated tho,erer by otrent the ororofaxplln why we belove the bill was eorect, Winey (90) day out einar ‘ter we Fagcve your liter, wo exnnet tr to eolact nny mount you qheston, ér report You as delinguont., We Ean continue obi yu forthe amount you question, Including fnance chorges, end wa\con apply any unpold amount against your Credit Lint. You do not havo to pay eny ‘posvoned amount while wa sro Invastigating, but yeu oa afl ablated to pay the pare ef your OM tat aro notin question, 1t wa'flad thet vo mito 9 mlstoko on your bl you Wl ot hove to poy ony finance’ charges related tony questioned amount: If wo din't ‘make @ mistake, you may have to pay finance charges, and you vil hava ta mak up shy missed paymonte on tho questlened amsunt. Th eihor ase, wo will send you a stetement ef the smeunt you'ewe and the data on which I ls duo. « I you fat pay the amount that iv thnk You owe, wa may ropart you St delnguonts Hdwovée, if ur eiplontin doce nét sty Yu end YoU write t Us who tn (10) doy otng us that you stl ese to pay, we must tll ryono we fopee you to thet You here © quoeton about Your by And, wa must tal you tho name of anyone wo roprtad you to. Wo mat tal anyone Wwe apart YoU tht th mame hes Bean oto us wher fing Wve don’ follow those rules, wo can't ealloet the fet 460 of tho queslonad amt, evn I your bil was esr@ git IEoaunernenc na “Weisge. + CRN 20060442099 econpaTion REQUESTED bY: OR Bk 20862 PG azso y peta aula ‘RECORDED 07/34/2005 09102130 tena Dn : Palm Besoh County, Floride oe . ‘nKT 3, 509,000.00" Beant, Fe 99196 ood Doo 5,250.00 . Shoren R. Bock, CLeix 2 cOWPTROLLCR i RECORDED MAIL TO} Intung 3, 009.00 . Pos 0280 ~ 255; (Gpqa) ‘Bue, MORTGAGE Fon use wrrit ecundo REVOLVING ciéor AGREEiAENT MAXIMULE LEN, “Tho.t5tl mount f indebtedncis secured by th's Mortgega may detraséo of Ineroeso om {ine to tne, but the maximum emount ef prnepalIndebtedneee which ray bo utstaneing et any. one timo thal not excoad €1,600,000.00, plus itoect, and emounte expended ax advanead by Lender forthe peyment of toxoe loving of Ineurence an the Property, and Intereot 09 such amount. ‘is MontanGE dats Juy 28, 2008 s mado end oxesited batwsen Leranca Schnaldor ind Stphenle thar, huchend and wil ered w baw ot ronal and Bon st Gora Gln, whore aon 08 Ht Woy, Suto 100, Corel Gable, FL 93198 felod to belt nuance. spastic se keg er aera ame sme tt alae ae restr ate ssa oe i ate di aceon Sd hh ihe Ce we di deck Stare cndertre Sed areata in County, Stato of Fore: " tet 27 of FOR HLL ESTATES OF BOCA RATON, according to he Pit tooo, xt recorded In Pt Book Ree ae uble Aoesron of Palm Booch Coun, Harta “he Ral Property ‘hcameeny town 17805 Gels Fond Cott, Docs Roto F. 99600, Ho Bal Rope estan nab ObASNEaNG SO0uBTO revolt Seo NOT. nine ee eer au atc Tine vied ie raat ii jsoten tem Se oti ht so ee ey uns oan a cit “eae hana Sa “Te tonrant, axciuowo THs assent oF metre iso THeeecurer wiénesr mi THe Reus At PeasoUALenOHERTY, owe vo.secone ia) payer OF THe WotuTroutss AND (a FexToheanee oF EACH OF GRMHTONS AGNECHENTS A ‘Stlonnions unoeh ne crear Acneaubr wa ie Chol DAT OFM ,coojon.6, He RELATED BCGUMENTS, AND TS ‘MORTGAGE Tis tonrance a chva ano accurteD OW We FoLLOWNa Ta {RAO AIVEns, cat ot oo tng rg bj nen len aan en ois ny ah. Len um ttn by nen ene roto eg ea tds dere iy, ole it Lina server tan fn fo iver mf legs mewn of sing tom Borowne en emia tne lena ‘eae imedenst zeit paiement a Payiteer AiO PERFORMANCE, Geo roved ty the Merge, Earaor and reat aha poy te Lae Een ute ey sens acnyan,sdSreua Sa rn hl sey fr Noon nd Gare POSSESsIoN allo MAWTENANCE OF THE PnOPCRTY, Cove nd Cen ‘Be eee all be gvemed bythe lovey poles - ‘Pestpion and Un, UM reir’ tren ashy ft of ha Pepa alte, ite mey 0) tana pa tetele ie Porat ue, este onan eProp nT) elle nom Pg Dat Hine, Gage aa etn ta Mepty eed aiosncoocejaey enews Rasane Pe Congtaee Wn avn ae Cate etn ae a me 2 PERRY plat et pe, fede tate (is taped inte ipMORTGAGE : (Continued) eo 2 tie pa San no wt, gee see, tannin, capes et i al Grier fae nn by hnger en eh wan Irandecy wore, tdi poze theirs or a ie ‘ iid fue et ora he Bre Bar inl enon te pay 6 ‘Metsated Bnei tsa rd epee Yo wh mate ed, Deep use ‘Snwieand by Caan wg” "er ana er ry tne ca cy rey memes oe net ee ‘Sis rt Ge arly ot te Pp, wdc ct oe a ec Banton nh ‘een? fw ceca te seo oft taney, cu ha cwins dere, inh ety geet Wt Azabu tt eames ftw oh ete dsr etd tse again ot fryintat nth Pepri, webby tees eee tr pera any al tener tty patent ne Pepe Whee ng e apr etn reget rena Sey eter ay os fen to renee ey Una avr cdg anda oo ce aes ‘ath ebdra por risen cnt sees ane tye, ret il at nei tones a Ineenit eh Fiwtil ens i ftom entt e's apart iene a any pave, Lent op req ret: a bonuses ttotny {tans sa ec " rein th eel Pept ol eerste iste unpatented notre, ote Serer eck ode ‘ebrooat Lin, rater sl et oes cont fen ens ly Cv edema, iy troy nay th oa eed ede pt Sg st gonna gas mart ui Sas mayest {eg en nan no rca Hy eet Err me tence wt etl etfs Land yg are pt em Eraser ra cs ey utyia Pte Grr sre lato sand wie at screamer ‘eevee eet ue ob sae CONEENT BY LEADER, Lander me, senda en deine tnedotl de ond pyle srs sci by atone who Lederer tn ene of ys of ha reper ey net tha ten Finn wt adie Propo Quatro do ner nd ne fe ey reesei rev pe oad ‘oat ert or enn ot aon ie oe ha ety ty rt ste mete Sons fswoven Ge oon htt be secede Corso chon pee “TAKES A LENS, The fat olen ang ah ne lene tn Peper Bt of i avge a se pt al enc is, are ean, spel wa ie sce Fee ters on rine ancy Pr fy Nees of Cemaetn, rani dl naty Lend ot ais gn 136 dye ‘tra spt pny acs ae ei a of Landsat eee hoFERTY DAMAGE NSURANCE. The lta of Ia, Grnter puerta iy ngied ded erro cereale ate Gyoobinters sf SEE Vater neal cen aa Ses Servant atte Demir eeeMORTGAGE (Continued) Pages ppt a ecade. Oris eal pina Lender ey Ln sro doo ten fe) any eft ena, pei of ot ana vey i of yrs oe ore ea aa to Papa, Lande ete po foe rattaptes remaster, a eta a ints W sobre a tf Sato ty end en Roper, tine seep trates Lear rs “ini to rot ete “sd en lS pte yg foes eye ee stn Sle oe rnin wh a cen pr wig clean cet eter ‘ce enfin lane atc era ea SESS tt yi ny son lon by esata as wel SACD fo tye thas sd a Wawa! ree OF TLL Ti rng on ei eile Pepe ptt te een a aid eof srerd {ante bt oer {a'tmatapemit anh pean, Campane vt ite Sant See ot iit et Bo fnasiinge pedi, ne oy meee eae ser tom tne a et a toh prea lurosmot OF 1axes Pez ANG CHARGES DY COVITIMCUTAL AUTON. The {thoy ened tg a prt oe goa Gere tenet ad hs. Yan pte Til ser ane ea atnbuie ized een pig net age, heroes ler sdb ‘nll woot ton a insopie fren pray an, decals toe reat he hergnve it ee nn ts eg : f gsr tg ier reer et escistouae hs ee Dumignenn cone i iy tate toda _stouriy acneanimy Rance eraraTs, Tw tell po he Metgige es aocty auemat wo ek efits eee ‘Seeuty Agee. THs unas caa Sx Agenan tty eet anf Prepay conte fx, ‘der thet have a of eit chance enaeipanenna ton, : ‘Sara sede pone dh ren Pn fe ey, en ata ‘ese et uot Gi Pree ie moron ce eeely ener Ge etoine eet pried by eps et Gene eran Lenzi ee tam eich ran eng sn ed (eh sed by Unc Camere Co fie Marois Asuna; Arrears eo i aE MgeMORTGAGE {Continued} csi tems non gn ca ctw ke edt ot es eae rg cade, esi iene ress Eten an a ay aponmens trae serenity ecpouncen isbn anes ed the dst Ta, nef Landi, bvpenray ena eae © Steuer ume cot;pvos(l" Sevvera med ers caeien Uae to Cod Aan le iia ned Secsent 1 ere era nace a wig, Err tal finbue ise an Saws epee bred eset tnth a aes te tne acre her ay eeu aed at Pert nfo Wien i lin lg a dr itu ede iy oid oe Sterna amatuer ry Een eee ane or rer seme ek a «ne 8 al arc Sib ty een aed eg tse geo ney to rca ents andre ‘Eivepon, tecesoplin he tr red tain he pean pate uu petrontaicg, I Saomar od Granar py a ha ngabadeate whom dn, ein thd cnt td sey rd rai ‘Set eg et ps tment at oy an or ae std ef Graney wl ited by opicela aw, eny woneaobl tenon oad Bike htan td be fencal opony. Gane al po eae Gren aes " EVENT oF DEALT eta i ti vd he Mengniu fing Hap 1A Gram emp ud man et eran ti ake eat fn ca eae ea ana Sdrwa ger Gnas eer std Garmin ters tml ci Bee Fri 'tinne? Wises eke owt pte aSad sees te ex nba wea on dela Flee satan Males le enh tant soda 6 Sts: raceme ayy Seg Sunt Sect ls a sat ahs ts nar Ot Say riled ees eens a erties an ean te ano Suumons es ae a i ony ene : cer tt + errs tums oe eye ‘uty unda te Uae Sommer ots : ™ Se ai ee eae tuoae fara eta et i par byl tend ft eho sppelna af ost eatt W ti GEE eae Se eee ttc iro ete ‘Sete suo ‘Conte ten Yenaey # Sultan, tater ‘ure team ee yf ap el ered ty tr Stee teen oer nt dni ag tin i oe ott sh a i hs rope. oth tet pried pita ow, ea a, mee Gh nl end tnt tence! hla sned ot er byw nw wv we Baw ra at of Brgy tego olor anf parent Pope Saranac i sedr dose pe ee fa dads by Unter ne I are ln wy an le a of be esi ede be ‘atled ta eceor se um lo ah Shree ed nanny see Wa! a aden tag Wns ited an seh caved Oy aes cay oF maa, hen cogetog tha Une cet shia sr ig eee. IscEUAUEOUS PROVISIONS, Tha ftewiegmictoane prea ce “erin, vw tn ne Magny nh Tied Onaman Qa te azeoan Wh nt Erne coy Ragen eect cg autnent Se Mane ran ne “simon ‘Mend by niscer wba Buna Sr Sead by tu esope ene re aayMORTGAGE (Continued): Pais 5 onic pumaen clr wm nit ab ni iti oo, ont net preempted by eds fey ean espe by Lene nts ub erin pin Lada a to conta of aw pens Ths Har feat wb oth iuteion of heute of Mem D860 nud oar dw ate hat “di od Bur ny, A bgt fon sn int unde We Mae thant even Gener, en etree ooo tama ench en very Dare, Tl a re nag ovat etonte ora sapien a i ef eeneemiaicndt Sreainee apveetaer ens Toney tear tua ameten aa teat et hu ot bn neo iat yal latina es i fan ae et ctu onsen eo {to a an Gant Lace, net note Gan ey hal wih Gra tho ind preys lerbebenc a xan wana racing Grane em to Ihe nebodse. “lawl ha Eee, Thna ir ib eeene hth ta uy fl pers te ie ean Seventy Sb ei \ Bers The eta vcds shal ave he lfoning esnae whan urea ie Meta, ‘euower, The wed “Daren eae Larne Smal og ns eos ord Sonate en int Cl Aareoment Sedat ni wands on etka, he wel Trt eran at sn sai cad Sy, i 20, with ce Ul. of 8:80 fam Soret, ane io ae tae ees wen taser fan anes erent To thal matty dt of be Gat atonal dy 20, Tonge Yo OtAuon Wi cn AGRE CART Avs A VAWABLEWTENEST RATE: "et ol Dea The wars "Eien of Dla aan ey ibe en of lst fh a Meno te event eto. fon fs ongeee Gio, Ths werd “Gat pee tonee Eder ond Stephan Ser A Ih arausCabteens" ror. matils Wa, bes of sade gan, canenilen ot hye chemical e cn ri a tet pote peal ed obama or eevee angel yep ef fended, Totes ‘npc Tew feptevamen son ee nd aa muy oli sk She thea reps lsc rpc nde enero en al uses ci ese, Ti ila adeeest wa meen soy ay ae Crd Agena 5 Marep nea re and andr, ‘pity, The werd Prepay ne elect te Mt ig it reper, The wes “ail Pope” eth ol oper, et {ued Bevan, The ede rn emt sia Tho end ee ne fo Baal did Teme rene al pean ad ur ots, vines, ar, nr ei,MORTGAGE (Continued) ° Pogo o EACH GRANTOR ACHKOYLEDGES HAVING RUAD ALL THE provisos GF THis WoRTGAGE, AND EACH GRANTOR AGREES TO Ira ‘ths, ° rn : . THOTVIBUAT RERNOWLEDGNENT sunior_ Gaerne ' : Ie counryor Lali bis iis a ities ett eee 1a eas ata ed dra fk ea “sparen 0 Acetic ended eT MARL aaah ato Forno 7 ae a‘ @ . ®@ DISBURSEMENT REQUEST AND AUTHORIZATION Le snot it the appeal of Wis docurnatto any pode an ot ler. Refoencos inh shaded ore ae for Londr's uo on Any item sbove esntaining z hos been oritad defo toe sna fotions. Borrower! Laurence Selnalzer Lender: Bank of Coral Gablés +) 721 NE 188 Torraceh Lending Divison ‘Mon, FL'33179 Woy + Suite 106 Gora Gabios, F. 39154 . (05) 500-0501 : 5 amauns | agree toa the raprosentations and wtranios mado in tha LOAN Tv, This i a iro ne Disclose Gpanend Lin bt Crect Lon tw on aul vith Cred Limi #,600,000.00% Tis an eonaine an rear count or prem fr & carn nim of payment An tres rato caps ao bored on heres ato ‘i ha dacount or prmian Payee aro cleat for ts payer stacy ered oto ners er te payment sam a Temgioaeogresto ean tem, Tha cseontorpremian payment sss fort on af oar avmest Stream =: ‘(atarost aio Mimo? of Payment ; Fist 8.258" 420 PRIRMARY PURPOSE OF LOAN: The pitmaiy urpéso of this loi I fr (lento Fa 7 . a Personsi, Fomor Houschol Purposes or Pefsonal ncostiont. aq Suciness(intustng Rol Eatate investment), ‘Peciric PURPOSE, Tha épocite purpose of ths loan is: Purcias Single Family Reser, REAL ESTATE DOCUMENTS, If any. priy to thls transaction fa orantng”@ soci Ineret In any rool property. to Lender and Laurenca ‘Schrcdor am not algo pory to th fel ostato dacument or dacuments tha "Roel Eotate Documents") grantng cueh security interest, tape 1 porform and comply with the Roa Estate Documonts just ast havo eignad ge a rest and elnat party to tho lal Estate Document. This pt Estate Documenta, tn addon, | agree to perform and comply stety ‘wih ithe term, eblgatlons end covenants to ba performed by slther ma or any Grantor or Trosor, ot both, a= thoso words ere detned I the “Bol Etle Seewnts [andr noed ol tel bout Sy atone aston Lend tte In cntenda with ve Ral exe Desonts ‘azeume the responalbity for bag and keoping Informed about the propery, lao Walve ony defenses thet may eri bocauso of tay ection or ‘Inaction of Lender, Inekting witout Hintaton any fla of Londarte real pon the property, or ony daay by Lander Investig Upon tho * property. DISRUNSEMENT LISTHUCTIONS. | weston tat ne lebn precede wil Bo aiburod unl any raze of whe ght to eaneol die pod + specified has expired ‘and all of Lender's condilons for mating he loan hava boon galled. Poaso dlsburso the Toan proseede of ,91,809,000,00 a8 fellowes Undiebursed Fundst #1,860,000,00 ‘Amon paid to othera ‘on mij tiokalf: 40.00" Lander may fetal 8 potion af coral ofthese emounts: : 4 Groat Limits 4,500,000,00 “evlARges PAID EASH, 1 nav pld ot wa payin osha ard ha fling chide Propald Finance Charges Pald tn Cash #648,00 +1 $820.00" Undorng te Ben ot CB! . . 1178.00: Procsscng Foo to Dank of Coal arn $170.00 Tox Sorvco 10 Fest Amettean +, Oita charges Patd in Cash: $8;748.10 : Lender may retain 8 pation of ceitln of theso amu, "$18.00 Hood Conificaon to Frat Amorcan 4850.00 Appraisal Foo $53,10 fecorcing Fees 4228.00" Document Preperation $260.00 Tilo Exemination to Howard W. Madiot, PA $3,000.00 tntangtle Tax o bsiase oe : ‘Total Chargos Pad in Cash ¥40,391.10 ‘TAX CONSEQUENCES. { inderstond thot Londer makes no reprocoptatén or warranty whatsoever conceining the tox consequonces of tis {oan, inluding the dedvetity of interest ned that | shoud eansuc whth my own tax advice for quldanco en ths ubject. 1 also agra that ‘Conder shall not be Habla in any mannor whelsoover shoul tho Interest peld on thé fn not bo deduatsie,| : DISBURSEIMENT REQUEST AND AUTHORIZATION Loan No: FESEHDOS © (Continued) Page 2 "” Rnovibgb adove 1s Tue auD connect AND TiinT THEN HAS peti tio MATERIAL ADVERSE CHANGE It fy FiJANcIAL CONDITION ‘AS DISCLOSED tnx MOST RECHT ANCIAL STATEIENT FOLENDER, THis AUTHGAIEATION IS DATED JULY 25, 2008. BORROWER: Fi ‘ CREDIT INSURANCE DISCLOSURE VOLUNTARY CREDIT iSURANCE. CREDIT LIFE INSURANCS,, CREDIT DISABILITY INSURANCE AND iNvOiUHTARY UNENPLOVARENT INSUNANCE ARE NOT REQUIRED To OBTAIN CREDIT, y signing below, | ocknowlodgo thot om not obtsicing credit insufonee for this loan for fA) Tom no oli for eredit Insurances {B) Creuitincurance fe not avstbia from Lender or {C) I} em elite ond eroit ncuranca le svalta from Londo, do nor wont It. Porto slning tis Credit Insuinza Noten Gn July 28, 2006, | read and wnderetod ol af sho provision ofthis Discocuro, 9 of tho foiowing roasons: *Bonnowen: Tauronee SehnatderFirst American Bank Pagé 1 P,O- Box 7983 Date 11/30/15 Elk Grove Village, TL 60007-7983 PHH (847) 952-3700 Laurence schneider 360 B COCONUT PALM ROAD. BOCA RATON FL 33432 GENERAL INFORMATION Account Number Tp. CIF Number EBB. Home Phone “AGA Work Phone (561) 893-9805 Loan Term 120 M Loan ‘Type HOME EQUITY LINE $50 Interest Rate 3.250000% Origination Date 7/28/06 Loan Officer Milton Espinoza Collateral ca 100 1-4 FAMILY. , pg Call Report Ca ici LINES. OF CREDIT SECURED BY 174 FAMILY RESTDEN Purpose’ Code 06 Retail-HELOC BALANCE & PAYMENT INFORMATION . Original. Amount 1,500,000.00 Payitent Due Date 22/01/15 Current Balance 1;494/554:10 Payment Amount 3,730:65 Accrued Interest 1,460.19 Principal/Interest 3,438.37 Daily Per Diem 132.74. Payment Type cycle » LOAN HISTORY 7/28/06 to 11/30/15 Posting Transaction Principal Date Description of Transactions ‘Amount Balance 3/15/07 ‘ine Advanée 50,000.00 50,000.00 3/14/07 Effective Date : 3/15/07 Billed - Finance Charge 22.60 50,022.60 3/16/07 Line advange 20.00 50,042.60 3/15/07 Effective Date 3/21/07 Regular Payment - Total 50,022.60 50,042.60 3/21/07 Payment - Principal 50,022.60 20:00 4/15/07 Billed - Finance Chaxge 56.64 76.64 5/15/07 Billed - Finance Charge 0.14 16.78 5/16/07 Assess Late Charge 5.00 16.78 5/25/07 Regular Payment ~ Total 76.78 16.78 5/25/07 Payment ~ Principal 16.78 0.00 6/17/07 Billed - Finance Charge 0.04 0.04 6/17/07 Billed - Late Charges 5.00 5.04First American Bank Page 2 P.O, Box 7983 Date 11/30/15 Elk Grove Village, IL 60007+7983 Accouht No, tep706 PHY (847) 952-3700 haurence schneider 360 B COCONUT PALM ROAD BOCA RATON FL. 33432 7/13/07 Principal Debit Reversal 0,08 5-00 6/17/07 REfective Date i 7/13/07 Reverse Bill-Late Charge 5.00 0,00 8/15/07 Billed - Annual Fee 50.00 50.00 8/23/07 Regular Payment ~ Total 50:00 50,00 8/23/07 Payment = Principal 50.00 0,00 8/30/07 Line Advance 300; 020.00 300,020.00 9/16/07 _ Billed.- Finance Charge 1) 220,62 301,240.62 9/20/07 Current Interest Rate 7.750000% » 301,240.62 9/19/07, BEfective Date 9/28/07 Regulay Payment - ‘Total 4, 220,62 301,240.62 9/28/07 Payment ~ Principal 1,220.62 300,020.00 10/11/07 Line Advance 300,020.00 600,040.00 10/15/07 Billed + Financé chargé 2;174.12, 602,214.11 10/22/07 Regular Payment - ‘Total 2,174.42 602,214.11 10/22/07 Payment ~ Finance: Charge 2,274.42. 600,040.00 10/31/07 Current Interest Rate 7,500000%. 600,040.00 12/15/07 Billed’ - Pinance Charge 3, 883,82 603,923.82 11/29/07 Line Advance 100,000.00 703 ; 923,82 11/30/07 ‘Line Advance 100,000.00 803/923 .82 12/03/07 Line Advance 100,000.00 903,923.82 12/03/07 Regular Payment ~ Total 3,883.62 903, 923.82 12/03/07 Payment: =. Finanee Charge 3,883.82 900,040.00 12/12/07 Current Interest Rate 7,250000% 900,040.00 12/11/07 Effective Date 12/16/07 Billed = Finance Charge 4,792.04 904,832.04 12/20/07 Online Payment from Checking — 700,000;00 904,832.04 12/20/07 Paytient -" Finance Charge 4,792.04 900,040.00 12/20/07 “Payment - Principal 695, 207;96 204,832.04 1/07/08 Line Advance 250,000.00 454,832.04 1/08/08 Regular Paymént - Total 250,000:00 454,832.04 . 2/07/08 BEfective Date 1/08/08 = Payment ~’ Principal 250,000:00 204,832.04 1/07/08 Effective Date , 1/15/08 Billed - Finance Charge 1,634-84 206,466.88 1/23/08 Regulax Payment - Total 1,634.94 206,466.88 1/23/08 Payment - Finance Charge 1,634.84 204,832.04 1/23/08 Current Interest Rate — 6.500000% 204,832.04 1/22/08 Effective Date 1/31/08 Current Interest. Rate 60000008 204,832.04 1/30/08 Effective Date 2/08/08 Line Advance 750,020.00 954,852:04 2/18/08 Billed - Finance Charge 2,555.93 957,407.97 2725/08 Regular Payment - Total 2,585.93 957,407 ;97 2/25/08 Payment ~ Finance Charge 2,555.93 954,852.04 2/29/08 Line Advarice 35,020,00 989,872.04 3/16/08 Billed - Finance charge 4,335.84 994,207.88First Atierican Bank 3 P.0; Box 7983 11/30/15 Elk Grove Village, TL 60007-7983 Accouiit No. eerag 1 (17) . Laurence Schneider 360°E COCONUT PALM ROAD BOCA RATON FL 33432 3715/08 Curent Interest Rate 3.2500008 994,207.68 3/18/08 Effective Date 3/24/08 Regular Payment - Total 4,335.84 994, 207,88 3/24/08 Payment - Finance Charge 4,335.84 989; 872.04 3/27/08 Line Advance 127,187.19 1,117,059,23 4/15/08 Billed +. Finance Chaiye 4,657.50 1,121,716:73 4/25/08 Regular Payment -~ Total 4,657.50 1,121, 716,73 4/25/08 Payment - Finance Charge 4,657.50") 1/127, 059,23 4/30/08 Line Advance 100,020.00 1, 217,079.23. 5/15/08 Current Interest Rate 50000008 4, 217,079.23 5/15/08 Billed - Finance Chaxge 5,042.04 1,222,127.27 5/21/08 Regular Payment - Total 5}042.06 1,222,121.27 5/21/08 Paymient - Finance Chaxge §,042.0¢ 1,217,079.23 5/30/08 Liné. Advance 200,020.00 1,417,,099723 6/15/08 Billed = Finance Chaige 5,634,22 1,422,733:45 6/20/08 Regular Payment - Total 20,000.00 1,422,733.45 6/20/08 Payment - Finance Charge 5,634.22 1,417,099,23 6/20/08 — Paynient - Principal 4,365.78 1,422,733.45 7/45/08 Billed ~ Finance Chaxge 5,808:14 1,418,541,59 3/24/08 Regular Payment - Total 10,000.00 .1,418,541:59 7/24/08 Payment ~ Finance, Charge 5,808.14 1,412,733.45 7/24J08 Payment - Principal 4,192.86 1}408,541:59 8/06/08 Line Advance 50,020.00 '1,458,561,59 8/17/08‘ Billeéd.- Finance ‘Charge 6,454.20 1,465,015.79 8/17/08 Billed -\Annual Fee 50.00 1,465; 065.79 8/26/08 ‘Regular Payment - Total 10,000.00 1,465, 065,79 8/26/08 Payment ~ Finance Charge 6,454.20 1,458)611.59 8/26/08 Payment > Annual Fee "50.00 1,458, 562,59 8/26/08 “Payment ~ Principal 3,495.80: 1,455,065, 79 9/15/08 Billed - Finance Charge 5,784.23 1,460,850.02 9/25/08 Regular Payinent - Total 10,000.00 1, 460,850.02 9/25/08 Payment - Finance Charge 5,784.23 1,455, 065.79 9/25/08 Payment = Principal 4,215.77 1,450,850,02 10/09/08 Current Interest Rate 4,500000% 1,450,850.02 10/08/08. Effective Date 20/15/08. Billed - Finance Charge 5,808.60 1,456,658,62 20/22/08 © Regular Payment - ‘Total 5,808.60 1,456,658.62 20/22/08 = Bayment. - Finance, Charge 5,808.60 1,450; 850.02 10/29/08 Current Interest Rate 4.000000% 1,450,850,02 11/16/08 Billed - Finance Charge 5,346,28 1,456,196.30 11/21/08 Line Avance 40,020.00 1)496, 216.30 11/24/08 Regular Payment - Total 5,346.28 1,496,216.30 11/24/08 Payment. - Finance Charge 5,346:28 1,490,870.02 12/15/08 Billed - Finance Charge 4,720.57, 1,495,590; 59 12/17/08 Current Intexest Rate 3.250000% 1,495,590.59 12/16/08 Effective Date 12/22/08 Regular Payment - Total 4,720,517 1)495;590.59First Amézican Baile P.O; Box 7983 Elk, Grove Village, IL 60007-7983 PHH (847) 952-3700 Latirenice Scheider 360 EB COCONUT PALM ROAD BOCA RATON FL 33432 ‘Accoint No: 4 11/30/15, 506 12722708 1/15/09 2/16/09 2/17/09 2/23/09 2/23/09 3/06/09 3/06/09 3/15/09 3/15/09 37/20/08 3/20/08 3/20/09 4/15/09 4/21/09 4/21/09 5/17/09 5/21/08 8/21/09 6/15/09 6/24/09 6/24/09 7/15/08 7/23/08 7/23/03 8/16/09 8/16/03 8/25/09. 8/25/09 8/25/09 9/15/09 10/05/09 10/05/09 10/15/09 10/26/09 10/26/09 21/15/09 11/23/09 11/23/09 12/15/09 1/12/10 2/12/10 1/18/10 1/26/10 1/26/10 2/15/10 3/18/10 Payment - finance Charge Billed. ~ Finance Charge Billed - Finance Charge Assess Late Charge Regular Payment - Total Payment, - Finande charge Regular Payment - Total Payment - Finance chargé, Billed - Finance Charge Billed - Late Charges Regular Payment - Total Payment = Finance Charge Payment - Late Charge Billed - Finance Charge Regular Payment’ - Total Payment. - Finance Charge Billed ~ Finance charge Regulax Payment - Total Payment + Finance Charge Billed ~ Finanee. charge Regular Payment =Total Payment - Finance Charge Billed +, Finance Charge Regulaz Payment, - ‘Total , Payment = Finance Charge Billed - Finance charge Billed ~ annual Fee Regular Payment. - Total Payment: - Finance Charge Payment - Annual Fee Billed - Finance Charge Regular Payment - Total Paytient = Finance Charge Billed - Finance charge Regular Payment - Total Payment - Finance Charge Billed - Finance charge Regular Payment - Total Payment < Finance Charge Billed - Finance charge Regular Payment - ‘Total Payment - Finance Charge Billed - Financé charge Regular Payment - Total Payiient - Finance Charge Billed ~ Finance charge Billed - Finance Charge 4, 720,57 4,115.11 4,247.96 205.76 4,125.11 4,125.11 4,247.96 4,247.96 3,584.22 205.76 3, 789,98 3,584.22 205.76 4,115.23 4,115 ,21 4,115.22 4,247.95 4,247.95 4,247.95 3,849.72 3,849.72 3,849:72 3,982.46 3,982.46 3) 982.46 4,247.96 50.00 4,297.96 4,247.96 50,00 3)982.46 3,982.46 3,982.46 3,982.46 3,982.46 3)982.46 4,225.22 4,215.21 4,425.22 3,982.46 31,982.46 3,982.46 4,513.45 4,513 45 4,513.45 3, 726:97 3) 716.96 1)490, 870.02 1,494, 985923 2,499, 233.09 1,499; 233.09 1,499, 233.09 2/495,217,98 2,495,117.98 1, 490,870.02 1,494, 454.24 1, 494,660.00 1,494,660, 00 1,492, 075.78 1, 490,870.02 1,494, 985,23 1; 494,985.23 1,490,870, 02 1,495,117, 97 1,495,117,97 1, 490,870,02 2,494, 719.74 1,494,719,74 1,490,870.02 1,494, 852,48 1,494, 852.48 1, 490,870.02 1,495,117,98 1,495, 167,98 1, 495,167.98 1,490, 920,02 1,490, 870,02 1,494, 852,48 1,494, 852.48 1,490, 870.02 1,494; 852,48 1,494, 852.48 1, 490, 870,02 1,494; 985,23 1, 494,985.23 1,490,870, 02 1,494, 852,48 2,494, 852.48 1,490,870,02 1/495,383.47 1,495, 383.47. 2,490,870, 02 1,494, 586,99 1,498,303, 95First american Bank Page: 5 P.O; Box.7983 Date 12/30/15 Elk Grove Village, TL 60607-7983. Account, No. ea PHH (847) 952-3700 Laurence Schneider 360. COCONUT PALM ROAD BOCA RATON FL 33432 3716/10" Assess Late Charge 3/18/10 Waive Late Charge 3/22/10 Regular Payment - ‘Total 3/22/10 Payment - Finance Charge 3/22/10 Regular Payment - Total 3/22/10 Rayment - Finance Charge 3/22/10 “Payment -.Finance Charge 4/15/10 Billed - Finance Charge 4/20/10 Regular Payment - Total 4/20/10 Payment + Finance Charge 5/16/10 Billed - Finance Charge 5/26/10 Regular Payment - Total 5/26/10 Payment - Finance Charge’ 6/15/10 Billed’- Finance Charge 6/28/10 Regular Payment - Total 6/28/10 Payment - Finance Charge 7/18/10 ‘Billed - Finance Charge 8/02/10. Regular Payment - Total 8/02/10 Payment - Finance~Chaxge 8/15/10 Billed - Finance Charge 8/15/10 Billed - Annual Bee 9/03/10 Regular Paytient - Total 9/03/10 Payment - Finance Charge 9/03/10 Payment= Annual Fee 9/18/10 Billed -\Finance Charge 20/01/10 Regular ‘Payment - Total 20/01/10 Payment - Finance Charge 10/17/10 Billed - Finance charge 10/22/10 “Regular Payment - Total 10/22/10 Payment - Finance Charge 11/15/10 Billed, - Finance charge 12/02/10 Regular Payment - Total 12/02/10 Payment - Finance Charge 12/15/10 Billed - Finance Charge 12/24/10 Regular Payment ~ Total 32/24/10 Payment - Finance Charge 1/17/11 Billed = Finance Charge 2/15/11 ‘Billed - Finance Charge 2/16/11 Assess Late Charge 2/24/11 © Regular Payment - Total 1,498,303 .95 1,498, 303,95 1,498, 303,95 1,494; 586.99 1,494; 586.99 1,494, 586.98 2, 490,870:02 1,494, 985,23 1,494, 985.23 1,490,870.02 1,494, 985.23 2,494, 985.23 1,490, 870.02 1,494, 852.48" 1,494, 852.48 1,490, 870.02 1,494, 852.48 1,494, 852.48 1,490,870.02 1,494, 985.23 1,495; 035.23 1,495; 035.23 1,490,920.02 1,490,870.02. 1,494; 985.23 1,494, 985.23 1,490}870,02 1,495,117,98 2,495 ,117.98 2,490,870,02 1,494; 719.73 2,494, 719.73 1,490,870.02 1/494, 852,48 1,494, 852.48 1,490, 870,02 1,495, 250.73 21,499; 100;44 1,499, 100.44 1;499,100.44 2/24/11 Payment. - Pinante Charge 3,849:71 1,495, 250.73 3/18/11 Billed - ‘Finance Charge 3,716.97 1,498,967.70 3/15/11 Billed - Late Chaxges 219,04 1;499,186.74 3/16/11 Assess Late Charge 192.49 1,499,186.74 3/24/12 Regular Payment - Total 8}316.72 1,499,186,74 3/24/11 Payment - Finance Charge 531,00 1,.498,655,74 3/24/11 Payment - Finance Charge 3,849.72 1,494,806.03First American Bank Page P.O, Box 7983 Date : Elk Grove Village, IL 60007-7983 Account No, PHY (847) 952-3700 Laurence Schneider 360 E COCONUT’ PALM ROAD BOCA RATON FL. 33432 6 11/30/15 06 3/2a7ii Payment - Finance Charge 3, 716,97 3/24/11 Payment - Late Charge 219.04 4/17/12 Billed - Finance Charge 4,380.70 4/17/11 Billed - Late Charges 192.49 4/25/11 Regula Payment - Total 4)573.19 4/25/11 Payment + Finance Charge 4,380.70 4/25/11 Payment - Late Charge 192.49) 5/15/11 ‘Billed - Finance Charge 3,716.97 5/23/11 Regular Payment - Total 3) 716.97 5/23/11 Payment - Finance Charge. 3,726.97 6/15/11 Billed - Finance Charge 4,145.21 6/27/11 Regular Payment - Total 4,115.21 6/27/11 Payment -. Finance Chargé 4,115.21 7/17/11 “Billed -, Finance ‘Charge 4,287.98 8/10/11 Regular Payment - Total 4,247.96 8/10/11 Payment - Finante Charge 4,287.96 8/15/11 Billed - Finance charge 3,849.72, 8/15/11 Billed - Annual Fee 50.00 8/29/11 ‘Regulak Payment - Total 3,899.71 8/29/11 Payment - Finance Charge 3,849.71 8/29/11 Payment - Annual Fee 50.00 8/32/11 Reverse Pymt-Late Charge 192.49 4/25/11, Effective Date 8/32/11 Payment - Interest 192.49 9/18/11 Billed -\Finance Charge 3,922.98 9/22/11 Regular Payment - Total 3)922.98 9/22/11 Payment - Finance Charge 3,922.98 20/16/11 . Billed - Finance charge 4,115.74 11/04/11 Regular Payment = Total 4,215.74 21/04/11 Payment - Finance Charge 4,115.74 21/15/11 Billed = Finance ‘charge 3,982.97 11/29/11 Regula Payment + Total 4,000.00 11/23/11 Payment - Finance Charge 3,982.97 21/29/11 Payment = Principal 17.03 22/15/11 ‘Billed - Finance Chaxge 3,982.95 22/20/11 Regular Payment - Total 47,000.00 12/20/11 Payment = Finance Charge 3,982.95 22/20/11 Payment - Principal 17,05 2/16/12 Billed '- Finance Charge 4,248.42 1/25/12 Regular Payment - Total 4,248.42 1/25/12 Payment - Finance Charge 4) 248.42 2/15/12 Billed - Finance Charge 3, 982188 3/15/12 Billed - Finance Charge 3,850.12 3/16/12 Assess Late Charge 199.14 3/22/12 Regular Payment - Total 7,833.00 3/22/12 Payment ~ Finance Charge’ 3,982.88 3/22/12 Payment - Finance Charge 3,850.12 1, 491, 085.06 1, 490,870%02 1,495, 250.72 1,495, 443.21, 1,495,443.21 1, 49%.,.062.52. 2, 490,870,02 1,494,586.99 1,494, 586.99 1,490, 870.02, 1,494, 985.23 1;494,985.23 1,490, 870.02 1,495,117.98 1,495, 117,98 1,490/870.02 1,494, 719.73 1,494, 769.73 1,494,769.73) 1,490, 920.02 1,490;870.02 1,491, 062,52 1,492, 062.52 1,494, 985.49. 1,494, 985.49 1,481, 062.52 1,495,178.25 1,495,178.25 1,491, 062.51 1,495, 045.48 1,495, 045.48 2,492062.51 1,492, 045.48 1,495, 028.43 1,495028.43 1,491, 045,48 3/491, 028.43 1,495,276.85 1,495, 276.85 2}492, 028.43 2,495, 011,31 1,498, 862.43 1,498; 861.43 1,498, 862.43 1,494,878.55 1,491,028 .43First American Bank P.O. Box 7983 Elk Grove Village, Ih. 60007-7983 PHY (847) 952-3700: ° Laurence Schneider 360.E COCONUT PALM ROAD BOCA RATON FL 33432 Adcount No. 7 11/30/35. ‘e=m06 a7is/i2 Billed - Finance Charge 4/15/12 Billed ~ Late Charges , 4/18/12 Regular Payment - Total 4/18/12 Payment - Finance Charge 4/27/32 Regular Payment - Total 4/27/12 Payment - Finance Charge 4/27/12 Payment - Late Charge 4/27/12 Payment - Principal 5/02/12 Principal Payment Reversal 4/27/12 Bifective Date 5/18/12 Payment - Interest 5/15/12 Billed - Finance Charge 5/27/12 Regular, Payment - Total 5/16/12 Ettective Date 5/17/12 Payment - Finance Charge 5/16/12 Effective Date 5/47/12 Payment - Principal 5/16/12 Effective Date 6/06/12 Principal Payment Reversal 5/16/12 Effective Date 6/06/12 Payment = ‘Interest 5/16/12 Effective Date 6/17/12 Billed -, Finance Charge 6/25/12 Regular Payment - Total 6/25/12 Payment = Finance Charge 7/15/12. Billed - Finance Charge 8/06/12 Regular Payment - Total 8/06/12 Payment - Finance Charge 8/15/12. Billed - Finance charge 8/15/12 Billed - Anmial Fee 8/31/12 Regular Payment .- Total 8/31/12 | Payment - Pinarice Charge 8/31/12 Payment - Annual Fee 9/16/12 Billed - Finance Charge 9/28/12 Regular Payment ~ Total 9/28/12 Paytient ~ Finance Charge 20/15/12, Billed - Finance Charge 21/13/22, Regular Payment - Total: 31/13/12 Payment - Finance Charge, 21/15/12, Billed - Finance Charge 21/30/12 Regular Payment - Total 11/30/12 Payment - Finance Charge 12/36/12 Billed - Finance’ Charge 12/27/12 Regular Payment ~ Total 12/27/12 Payment - Finance Charge 1/15/13 Billed -- Finance Charge 1/23/13 Regulax Payment - ‘Total 4,115.65 199.14 4,000.00 4,000.00, 5;000;,00 115.65 199.14 4,685.21 4,685.21 3, 850,12 132.76 835.09 132.76 702.33 702.33 702.33 3,678.83 3,678.03 3,678.03 3,717.36 3,717.36 3,727.36 4;115.65 50,00 4,165.65 4,115.65 50:00 4,248.42 4,248.42 4,248.41, 3,850.12 3,850.12 3850.12" 4,115.65 4,125.65 4,115.65 4,125.65 4,115.65 4,115.65 3,982.89 3,982.89 T, 495,140.08 1,495, 343422 1,495,343 ,22 1,491; 343,22 ‘1, 491,343.22 1, 491,227.57 2, 491,028.43 1,486, 343,22 1,491; 028.43 2:,492)028,43 1,491,.161.19 1,491,161.19 1,491, 628.43 1,490,326;10 1,491, 028.43 1,491, 028.43 1,494,707; 26 1,494,707.26 1,491, 029.23 1,494, 746.59 1,494, 746.59 2,491, 029.23 1,495,144.88 2,495,194. 88 1,495; 194.88 1,492, 079.23 1,491,029, 23 2j495; 277.64 1/495, 277.64 2,491, 029.23 1,494; 879.35 1/494; 879.35 1,491, 029.23 2,495,144.98 1,495, 144.08 2,492, 029,23 2,495 ,144.98 2,495,144 .88 2,491,.029.23 1,495, 022.12 1,495 ,012.12First American Bank Page P.O, Box 7983 Date Bik Grove Village, 1. Account No. PHi# (847) 952-3700 Laurence Schneddex 360 E COCONUT PALM ROAD BOCA RATON Fh 33432 8 12/30/15 (Caos 1723/13 Payment - Finance charge 3,582.85 2/18/13 Billed - Finance charge 4,513.94 2/27/13 ‘Regular .Payment - Total 4,513.94 2/27/13 Payment - Finance Charge 4,813.94 3/17/13 Billed - Fitiance Charge 3/584.59 4/01/13 Regular Payment - Total 3,584.59 4/01/13 Payment - Finance Charge 3,584.59 4/15/13 Billed - Firlance ‘charge 3,850.33 4/24/13 Regular Payment - Total 3,850.13 4/24/13 Payment. - Finance Charge 3,850.33 8/15/13 Billed ~ Finance Charge 3, 982.88 5/24/13 Regulax Payment - Total 3,982.88 5/24/13 Payment - ‘Finance Charge 3) 982.88, 6/16/13 Billed - Finance Charge 4,248.42 7/12/13 Regular Payment - Total ‘4,248.42 7/13/13 Payment - Finance Charge 4,248.42 7/15/13 Billed - Finance Charge 3,850.12 7/24/13 Regular Payment - Total 3,850.12 7/24/13 Payment - Finance-Charge 3,850.12 8/15/13 Billed - Finance Charge 4,115.65 8/15/13 Billed - Annual Fee 50.00 9/09/13 Regular Payment - Total 4,165.65 9/09/13 Payment > Finance Charge 4,115.65 9/08/13 Payment'- Annual Fee |,” 50.00 9/15/13 Billed ~ Finance Charge 4,115.65 9/24/13 Regtilar Payment - Total 4,115.65 9/24/13 Payment ~ Finance Charge 4,115.65 10/15/13 Billed - Finance Charge 3,982.89 11/06/13 “Regular Payment - Total 3,982.89 21/06/13 Payment - Finance Chargé 3,982.89 21/17/13 Billed’-. #inance charge 4,381.17 11/26/13 Regular Payment - Total 4,381.17 11/26/13 Payment -. Finance Charge 4,381,17 12/15/13 Billed ~ Finance Charge 3,727.36 1/03/14 Regular Payment - Total 3,727.36 3/03/14 Payment - Finance Charge 3,717.36 1/15/14 Billed - Finance Charge 4,115.65 2/10/14 Regular Payment - Total 4,115 -65 2/10/14 Payment - Finance Charge 4; 115.65 2/17/14 Billed - Finance Charge 4,382.18 3/04/14 Regular Payitent - Total 4,382.18 3/04/14 Payment - Finance Charge 4,381.18 3/16/14 Billed - Finance Charge 3,584.59 3/26/14 = Regular Payment - Total’ 3,584.59 3/26/14 Payment - Finance Charge. 3,584.59 4/45/14 Billed ~ Finance Charge 3,982.89 4/28/14 Regular Payment - ‘Total 3,982.89 1,492, 025.23 1,495 ,543,17 1,495, 543.47 1,491, 029.23 1,494, 613..82 1,494,613.82 2,491, 029.23 1,494/879.36 1,494,879 .36 1,491, 029.23 2,495 012.21 2,495; 032.12 1,491, 029.23 1,495,277.65 1,495,277.65 1,491, 029.23 1,494,879,35 1,494,879.35, 1,492, 029.23 21,495,144 ,88 1,495) 194.88 1,495,194.88 1,491,079.23 1,491, 029.23, 1,495,144.88 1,495,244.88 1,491) 029.23 1,495, 012.12 1,495,022 ,12 1,491,029.23 1,495,410.40 1,495,410 .40 1,492,029,23 1,494, 746.59 1,494,.746.59 1,491,029.23 2,495,144.88 1/495, 144.88 1,491,029.23 1,495,420.41 1,495,410.41 1,491, 029,23 1,494,613.82 1,494,613 .82 1491, 029.23 2,495,012,12 1,495,012.12First Amexican Bank Page P.0, Box 7983 Date Elk Grove Village, IL 60007-7983 Account No. PHH (847) 952-3700 Laurence sclineider 360 E COCONUT PALM ROAD BOCA RATON FL 33432 9 11/30/15 jos 4728714 Payment - Finance charge 5/15/14 Billed - Finance charge 6/02/14 Regular Payment - Total 6/02/14 Payment = Finance Charge 6/15/14 Billed - Finance Charge 6/26/14. Regular Payment - Total 6/26/14 Payment - Finance Charge 7/15/14 Billed - Finance Charge 8/11/14. Regular Payment - Total 8/11/14 Payment. - Finance Charge 8/17/14 Billed - Finance Charge 8/17/14 Billed - Annual’ Fee 8/29/14 Regular Payment - Total 8/29/14 Payment ~ Finance Charge 8/29/14 Payment - Annual Fée 9/15/14 Billed - Finance Charge, 8/28/14 Regulak Payment = Total 9/29/14 Payment - Finance Charge 10/15/14 Billed - Finance Charge. 21/03/14 Regular Payment - Total 21/03/14 Payment = Finances. charge 11/16/14 ‘Billed - Finance Charge 22/08/14 © Regular Payment.+ Total i2/o8/i4 Payment«- Finance Charge 12/15/14 Billed +\Pinance Charge 1/07/15. Regilar Payment - Total 1/07/15 Payment - Finance Charge 1/15/15 Billed -. Finance Charge 2/30/15. “Regular Payment - Total 1/30/15 Payment - Finance chargé 2/16/15 Billed -. Finance charge 3/06/15 Regular Payment - Total 3/06/15 Payment ~ Finance charge 3/15/15 Billed - Finance charge 4/15/15 Billed - Finance Charge 4/16/15 Current. Interest, Rate 4/15/15 Effective Date 4/16/15 Assess Late Charge 5/15/15 Billed - Late Charges 5/15/15 Billed - Finance Charge 5/18/15 Current Interest Rate 5/15/15 Effective Date 5/18/15 Assess Late Charge 5/28/15 Regular Payment - Wire Trans 5/28/15 Payment - Finance Chazge 5/28/15 Payment ~ Finance Charge 6/10/15 Regular Payment - ‘Total 3,982.85 3,982.89 3,982.89 3,982.89 4,115.65 4,115.65 4,115.65 3,982.88 3,982.88 3).982,88 4,381.18 50,00 4,431;18 4,381.18 50,00 3,850.12 3,850.12 34850, 12 3,982, 89 3,982.89 3,982.89 4,248.41 4, 248,42 4,248.42 3,850.12 3,850.12 3,850.12 4,115.65 4,215.65 4,115.65 4, 248,42, 4,248.42. 4,248.42 3,584.60 4,215.65 3.250000% 179123 279.23 4,248.41 32500008 205.78 7, 700,25 3,584.60 4,125.65 4,427.64 1,491; 025.23 2,495, 012,12 1,495, 012.12 1,491, 029.23 1,495, 144,88 1,495 ,244,88 2,491, 029,23 2,495, 012,12 1,495, 022.12 1,492, 029.23 2,495, 420,42 1,495, 460,42 1495, 460.42 1,492, 079.23 1,491, 029.23 1,494, 879.35 1)494,879.35 1,491, 029.23 1,495, 012.12 2,495,012, 12 1,492, 029.23 2,495,277.64 1,495;277.64 1,49, 029.23 1,494, 879:35 1,494, 879,35. 1,491,029 .23 1,495, 144/98 1,495, 144,88 1,492, 029.23 1,495,277 :64 1, 495,277.64 1;491, 029.23 1,494, 613.83 1,498, 729.48 1)498,729,48 1;498,729,48 1}498, 908.72 2,503, 157:12 2,503,157,.12 1,503 ,157.12 1,503 ,157,12 1,499,572.52 1)495, 456,87 1,495, 456,87First American Bank P:0, Box 7983 Elk Grove village, IL 60007-7983 PHi (847) 952-3700 Laurence schneider 360 B COCONUT PALM.ROAD BOCA RATON FL 33432 Page Date Account No. 10 41/30/15 6 6/1075 6/10/15 6/15/15 6/15/15 6/16/18 6/29/15 6/29/15 6/29/15 6/29/18 6/29/is 7/18/15 Hee 7/18/15 7/15/15 7/16/15 1/28/15 8/14/15 8/14/15 8/17/15 8/17/15 Baas 8/31/18 8/31/15 8/31/15 8/31/15 9/15/15 9/15/15 9/16/15 9/16/15 9/16/15 9/16/15 9/17/15 Payment - Finance charge Payment - Late Charge Billed - Late Charges Billed - Finance Charge Current Interest Rate 6/15/15 Effective Date Reverse Pymt-hate Charge 6/10/15 Effective Date Reverse Bill-Late Charge 5/15/15 Effective Date Reverse Bill-Late Charge 6/15/15 Effective Date Waive Late Charge 4/16/15. Effective Date Waive Late Charge 5/18/15 Effective, Date Billed -. Finance Charge Regular Payment - Wire Trans Payment - Finance: Charge Payment = Principal Current Interest Rate 7/15/15 Effective Date Assess Annual Fee Billed,< Annual, Fee Billed =\Finance Chazge Current Tnterest Rate 8/14/15 Effective Date Assess Late Charge ldne Advance - Wire Transfer Principal Debit Reversal 8/28/15 Effective Date Regular Payment - Wixe Trans 0/28/15 Brtective Date Payment - Interest 8/28/15 Effective Date Payment - Principal 8/28/15 Effective Date Bille@ - Late Charges Billed - Finande Charge Current Interest Rate 9/15/15 ‘BEfective Date Reverse Payment-Interest 8/28/15 Effective Date Reverse Payment-Principal 8/28/15 Effective Date Assess Late Charge Regular Payment - Total 8/28/15. Effective Date 4,248.41 179.23 205.78 3,850.13 3:.250000% 1719.23, 179523 205.78 179.23 205.78 3,982.86 4,055.91. 3,850.13 205.78 3, 2500008 50.00 50.00 4,247.83 3,250000% 199.14 4,297.83 4,297.83 4,297.93 1,460.19 2,,.837,64 199,14 2/517,34 32500008 1)460,19 2,837.64 212.39 4,297.83 1,491, 208;46 1,491, 029,23) 2,491, 235.01 1,495, 085.14 1,495, 085.14 ‘1,495 ; 264.37. 1,495,085.14 1;494,879.36 1, 494,879.36 1,494, 879:36 1,498, 862,22 1,498,862,22 1,495,012.09 1,494,806.31 1,494, 806.31 1,494, 806.32 1,494, 856.33 1,499,104,14 1,499,104.14 1,499; 104.24 1,503,401.97 1,499,104,14 1,499,104.14 1,499,104 ,14 1,496, 266,50. 1,496, 465.64 1,498, 962, 98 1;498,982,98 1,498,982,98 1) 501,820.62: 1,501,820.62 1,501, 820,62First Amexicai Bank Page P.0;, Box 7983 Date Blk Grove Village, TL 60007-7983 Account No, PH (847) 952-3700 Laurence schneider 360 E COCONUT PALM ROAD BOCA RATON FL 33432 i 11/30/15. 6 9717715 —Payment.- Finance Charge 8/28/15 Effective Date 9/17/15. Payment _- Finance Charge 8/28/15. BEfective Date 9/i8/15 Billed - Finance Charge 9/18/15 Reverse Bill-Late Charge 9/15/15. EEfective Date 9/18/15 Waive Late charge 9/16/15 Effective Date 9/18/15 Waive Late Charge 8/17/15 Bffective Date 9/ai/1s Current Interest Rate 9/18/15 Effective Date 9/30/15 Paywient-Principal Paydown-Wii 10/01/15 Principal Payment Reversal 9/30/15 Effective Date 20/01/15 Regular. Payment - Total - 9/30/15 Effective Date 10/01/15 Payment. -_ Finance Charge i 9/30/15 Effective Date 10/02/15 Payment = Annual Fee : 9/30/15 Bffective Date 10/02/15 Regular. Payment. - ‘Total a 9/30/18 Bitective Dace 10/01/is Payment ~ annual Fee 9/30/15 Effective Date 10/16/15 Billed ~ Late Charges 10/16/15 Billed ; Finance Charge 10/16/15 “Assess Late Charge 20/19/15 Current Interest Rate 10/16/15 BEfective Date 20/19/15 Assess Late Charge 20/30/15 Regular Payment = Wire trans 10/30/15 © Payment - Finanée Charge 20/30/15 Payment. - Finance Charge 21/16/15 Assess Late Charge 11/18/15 Billed = Late Charges. 11/18/15 Billed - Late’ Charges 21/38/15 Billed - Finance Charge 11/19/15 Curvent Interest Rate 11/18/15. BEfective Date 21/27/15 Regular Payment - Wire ‘Trans 11/27/15 Payment ~ Finance Charge 11/27/15 Payment - Late Charge 11/27/15 Payment - Finance Charge 3, 982,66 314.97 2,128.72, 199.24 212.39 199¢14 3.250000% 3,977.53 3,977.53 3,977353 3,932.86 44.67 5.33 5.33 106.44 3,716.85 106.44 3,250000% 106.44 4,646.05 2,517.34 2,128.71 185.84 185,84 106.44 4) 115.08 3.250000% 4,500;00 3) 716.85 106.44 676.71. 1/497, 637-16 1,497,522,79 1,439, 651,50 1,499,452:36 1,499, 452.36 1,499, 452.36 1,499, 452.36 21,495,474,83 1,499,452:36 1/499, 452.36 1,495,529.50 1,495,474.83 1,495,474,83 1,495, 469.50 1,435,575 ,94 1,499,292.79 2,499, 292.79 1, 499,292.79 1,499,292,79 2,499, 292.79 1,496, 775.45 1/494, 646,74 1,494, 646.74 1,494, 832.58 1/494, 939.02 1,499, 054.10 1/499, 054.10 1,499, 054,10 1/495,337..25 2,495, 230.82 1,494, 554:10Lamy Schneider Wednesday, August 23, 2017 11:00 AM Henry Bolz; Stephanie Schneider (steffschneider13@gmail com) Garry Smith (gsmith@firstambank.com) RE: First American Bank ("FAB") v. Schneider Mr. Bole, My wife is a shareholder in the entities and her involvement in the very same meetings with the attorneys ate critical to the pending litigations, by some of the very entities in which FAB has caused harms, ie. S & A Capital (FAB release of lien) and 1* Fidelity causation of cessation of credit line with Bank United) against JPMC in the SDNY and US Appeals Court for the District of Columbia (as well as a supplemental Statement of Material Evidence to the United States Department of Justice, Florida Department of Justice, Illinois Department of Justice, as well as numerous federal and state agencies). ‘The attorneys are here through Friday. | will get back to you then. Regards, Larry Schneider Cell (805) 710-4201 From: Henry Bolz (mailto:hbolz@kellerbolz.com], Sent: Wednesday, August 23, 2017 8:55 AM To: Larry Schneider; Stephanie Schneider (steffschneider13@gmail.com) Ce: Garry Smith (gsmith@firstambank.com) ‘Subject: RE: First American Bank ("FAB") v. Schneider Mr. Schneider: ‘You don’t need to be there; what is your wife’s schedule this afternoon? Hf not today, what about tomorrow or Friday. Your August 8, 2017 email indicated you could be available Wed-Fri, ‘August 23-25, 2017. ‘We should not need to get the Circuit Court involved in this...but FAB is going to have the property appraised. Please let me know. Henry H. Bolz, UIT Keller & Bolz, LLP 121 Majorca Avenue, #200 Coral Gables, FL 33134 ‘Telephone: (305) 529-8500 Telefax: (305) 529-0228E-mail: hbolz@kellerbolz.com IMPORTANT: THIS EMAIL, AND ANY ATTACHMENTS THERETO, I$ INTENDED FOR THE USE OF THE INDIVIDUAL OR ENTITY TO WHICHIT IS IND MAY CONTAIN INFORMATION THAT 1S LEGALLY PRIVILEGED, CONFIDENTIAL AND EXEMPT FROM D'SCLOSURE UNDER JF THE READER OF THIS E-MAIL IS NOT THE INTENDED RECIPIENT, OR THE EMPLOYEE OR AGENT RESPONSIBLE FOR DELIVERING THE E-MAIL TO THE INTENDED RECIPIENT, YOU ARE HEREBY NOTIFIED THAT ANY DISSEMINATION, DISTRIBUTION OR COPYING OF ‘THIS COMMUNICATION IS STRICTLY PROHIBITED. IF YOU HAVE RECEIVED THIS E-MAIL INERROR, PLEASE IMMEDIATELY NOTIFY THE SENDER BY EWMAIL OR TELEPHONE (IF CONTACT INFORMATION IS PROVIDED) AND PERMANENTLY DELETE THE ORIGINAL OR ANY PRINTOUT THEREOF. From: Larry Schneider [mailto:larry@sacapitalpartners.com] Sent: Tuesday, August 22, 2017 7:10 PM. To: Henry Bolz ; Stephanie Schneider (steffschneider13@gmail.com) « Ce: Garry Smith (gsmith@ firstambank.com) in Bank ("FAB") v. Schneider Mr. Bole, from D.C. and Boston. am unavailable. | have attorneys comi Regards, Larry Schneider 1* Fidelity Loan Servicing, LLC 2901 Clint Moore Road, Suite 410 Boca Raton, FI, 33496 Cell (805) 710-4201 From: Larry Schneider Sent: Tuesday, August 22, 2017 1:04 PM To: ‘Henry Boz’; Stephanie Schneider (steffschneider13@gmail.com) Ce: Garry Smith ( ) ‘Subject: RE: First American Bank ("FAB") v. Schneider Mr. Bole, In preparation for our September 1, 2017 special set hearing, | am requesting a comprehensive breakdown of the attorney's fees you are claiming as part of this action, and in conjunction with my payoff request. You have thus far provided me nothing more than a blanket dollar amount, without a breakdown and itemization of the applicable charges, cots, retainer amount(s), hours billed against the retainer, etc. As | have repeatedly asked for this information, as well as an accurate payoff, lam going to request this information one last time and request you provide the same to me by midnight, August 25, 2017, prior to requesting the court compel this information. Please provide this information by the requested date either via email, or fax, otherwise | will seek judicial intervention. Per your email below, you state that;“Although FAB has not yet applied for an award of attorneys’ fees, FAB has incurred attorneys’ fees and costs through July 2017 in the total amount of $285,974.37.” ‘Attached is an email which I sent to you on June 13, 2017 (1:58 PM), requesting the above referenced information, as well as copies FAB billing statements between January 1, 2015 through June, 2017(Copy of Nov. 30, 2015 Letter attached). As you recall, per your November 30, 2015 addressed to me, you specifically stated; “All further requests for information or documents that in any fashion relate to the $1,500,000.00 HELOC loan that was originated on July 28, 2006, should be addressed to the undersigned at the address on this correspondence. ‘The letter was signed by Henry H. Bolz, Ill and was prepared on Keller & Bolz letterhead. ‘As such, you have an obligation to provide me the information which I have continued to request pursuantito federal and state mortgage servicing and consumer protection laws. At the very least, I need the monthly periodic billing statements which FAB sent or claimed to have sent during that period. have also made numerous timely requests for the production of documents which FAB has stillnot been provided. Please provide me the FAB production which | have requested. This is allimportant documentation, which | have the right to obtain and FAB has an obligation to provide concerning this litigation, ‘This evidence is necessary to provide the court with an accurate understanding of the facts of the case. As such, | am going to request this information one last time and request you provide the same to me by midnight, August 25, 2017, prior to requesting the court compel this information. ‘Thank you in advance for your cooperation. Larry Schneider 305-710-4201 From: Henry Bolz (mailto:hbolz@kellerbolz.com] Sent: Friday, August 11, 2017 3:43 PM To: Larry Schneider; Stephanie Schneider (steffschneider13@qmail.com) Ce: Garry Smith (gsmith@firstambank.com) ‘Subject: First American Bank ("FAB") v. Schneider Dear Mr. Schneider, Your email to me at 12:37 p.m. on August 8, 2017 requested, among other things, “a payoff letter, good through August 11, 2017.” Although we are uncertain as to exactly what you are looking for when you refer to a “payoff letter,” we think that the following information should fully respond to your request in this regard. At the time that the Final Judgment of Foreclosure was entered by the Palm Beach Circuit Court on June 26, 2017, amounts due, owing and unpaid existed in the following categories: Unpaid Principal $1,488,554.76 Interest from March 16, 2016 (the date of First American Bank's receipt of your last payment on the HELOC) through June 26, 2017 69,646.52Unpaid Ad Valorem Real Property Taxes (2014, 2015 and 2016) 66,870.93 Total Amount of Final Judgment in Foreclosure $1,625,072.21 The Final Judgment of Foreclosure stated that the Final Judgment amount “shall bear interest at the rate of 5.05% per year” (Florida's statutory rate of interest on the date that the Final Judgment of Foreclosure was entered). Interest on the Final Judgment of Foreclosure at 5.05% translates to $224.84 per day. Between June 27, 2017 and August 15, 2017, there have been 50 days, which translates to an additional interest of $11,242.00 having accrued. Although FAB has not yet applied for an award of attomeys’ fees, FAB has incurred attorneys’ fees and costs through July 2017 in the total amount of $285,974.37. At the present time, the total outstanding mortgage debt, including attorney's fees and costs, is $1,922,288.58. You can consider this figure to be the amount which, if paid to FAB by August 15, 2017, FAB will acoept as full and complete payment/resolution of those claims which FAB is asserting against Laurence Schneider and Stephanie Schneider in this foreclosure litigation. Regards, Henry H. Bolz, III Keller & Bolz, LLP 121 Majorca Avenue, #200 Coral Gables, FL 33134 ‘Telephone: (305) 529-8500 Telefax: (305) 529-0228 E-mail: hbolz@kellerbolz.com IMPORTANT; THIS E-MAIL, AND ANY ATTACHMENTS THERETO, I$ INTENDED FOR THE USE OF THE INDIVIDUAL OR ENTITY TO WHICH TIS ADDRESSED AND MAY CONTAIN INFORMATION THAT 1S LEGALLY PRIVILEGED, CONFIDENTIAL AND EXEMPT FROM D'SCLOSURE UNDER TE THE READER OF THIS E-MAIL IS NOT THE INTENDED RECIPIENT, OR THE EMPLOYEE OR AGENT RESPONSIBLE FOR DELIVERING THE €-MAIL TO THE INTENDED RECIPIENT, YOU ARE HEREBY NOTIFIED THAT ANY DISSEMINATION, DISTRIBUTION OR COPYING OF ‘THIS COMMUNICATION JS STRICTLY PROHIBITED. IF YOU HAVE RECEIVED THIS E-MAIL INERROR, PLEASE IMMEDIATELY NOTIFY THE SENDER BY EMAIL OR TELEPHONE (IF CONTACT INFORMATION IS PROVIDED) AND PERMANENTLY DELETE THE ORIGINAL OR ANY PRINTOUT THEREOF.Larry Schneider Frot Larry Schneider Sent ‘Tuesday, June 13, 2017 1:58 PM To: Henry Bolz Subject: Schneider/FAB Mr. Bole, hope that you had a productive trip to Newark last week and returned safely. Wearing my hat as the borrower in this matter, please provide me with detailed payoff figures for the HELOC, which specifically breaks out the outstanding principal balance, interest rate, per diem, late charges, corporate advances, legal fees, costs and any other line items utilized in calculating the payoff figures. Also, please break down the nature and scope of each , billing increment periods by which you billed, along with the hourly rates which you command and in which any of the other attorney's, paralegals and anyone else who aided you in the prosecutiomhave billed. Also, please notate as whether any of the costs or fees are not recoverable per the terms of thé HELOC between Schneider and FAB. ‘Additionally, we have not received the history of billing statements sent by FABlin this matter between January 2015 through June 2017. We look forward to your cooperation so we can bring this litigation to a timely and efficient resolution of the matters involved. ‘Sincerest appreciation, Larry Schneider 305-710-4201 larry@sacapitalpartners.comLarry Schneider Monday, August 21, 2017 9:20 PM Henry Bolz Garry Smith Subject: RE: FAB v. Schneider Foreclosure Scheduled Wednesday Appraisal Attachments: \www.co,palm-beach.fl.us_papa_Asps_PropertyDetail PropertyDetail pdf Mr. Bole, I did some research and your answer to my questions makes sense. However, Judge Ferrara granted only one hour to hear the merits of the case and | would like every opportunity to present the facts. | am concerned that a big chunk of time will get eaten up by the lengthy and unnecessary testimony of your property appraiser regarding the property value. Additionally, the appraisal will be just another expense added to the loan, in which Iwill be responsible for paying. I'm going to have my hands full, just trying to articulate the cumbersome facts of the case and litigation, within Judge Ferrara’s one hour hearing limit. ‘As such, | believe a fair and amicable solution, for the sole purpose of a good faith bond, which 1 am voluntarily willing to submit to the court, would be to use the property market valué as determined by the Palm Beach Property Appraiser’s Office, For the tax year 2017, the Property Appraiser valued the property located at 17685 Circle Pond Court, Boca Raton FL. 33432 — (Parcel Control Number 00-42-46-31-01-000-0370) $1,154,556. http://www.co.palm- beach fi.us/papa/Asps/PropertyDetail/PropertyDetail.aspx?parcel=004246310100003708 ‘At the very least, it provides a reasonable valuation for the purposes you've described below. Thus, lam willing to stipulate to using the Palm Beach Property Appraiser’s 2017 value of $1,154,556 for any bond consideration determination/if necessitated by the court (and for no other purpose). I'm sure that Mr. Molestina’ s July 2017 inspection of the propertyidid not reveal any factors which would call into question, whether the subject property ‘was inferior to that of the market. Otherwise, 'm sure you would have notified the court as such, \appreciate youl Understanding and cooperation regarding this issue. Regards, Larry Schneider Cell (05) 710-4201 From: Henry Bolz [mailto:hbolz@kellerbolz.com] Sent: Monday, August 21, 2017 4:25 PM To: Larry Schneider Cc: robertajurgensen@yahoo.com; Garry Smith ‘Subject: RE: FAB v. Schneider Foreclosure Scheduled Wednesday AppraisalMr. Schneider: One factor that the Circuit Court has to consider in determining the amount of a Supersedeas Bond that will have to be posted in this foreclosure litigation is the “present fair market value” of the property. That is the reason why itis imperative that a qualified/licensed real property Appraiser look at the property, prepare a report and be available to at the Friday September 1,2017 evidentiary hearing before the Circuit Court. Mr. Molestina is not qualified to testify about the present fair market value of the property. ‘We do not have the time or luxury of agreeing on an Appraiser; you filed an Emergency Request for a Temporary Restraining Order. You have put us on a tight schedule. If you want to hire your own Appraiser, you should feel free to doso. Please let me know immediately if you are going to stand in the way of Wednesday's inspection/Appraisal Of the property by Mr. Jurgensen. While it should not be necessary to have to get Circuit Court Judge Ferrara involved in First ‘American Bank's plan to have the property appraised, we will do so if you leave us no other options. Please get back to me at your earliest opportunity. Regards. Henry H. Bolz, IT Keller & Bolz, LLP 121 Majorca Avenue, #200 Coral Gables, FL 33134 Telephone: (305) 529-8500 ‘elefax: (305) 529-0228 E-mail: hbolz@kellerbolz.com IMPORTANT: THIS E-MAIL AND ANY ATTACHMENTS THERETO. IS INTENDED FOR THE USE OF THE INDIVIDUAL OR ENTITY TO WHICH TIS ADDRESSED AND MAY CONTAIN INFORMATION THAT 'S LEGALLY PRIVILEGED, CONFIDENTIAL AND EXEMPT FROM DISCLOSURE UNDER 4 IF THE READER OF THIS E-MAIL Is NOT THe INTENDED RECIPIENT, OR THE EMPLOYEE OR AGENT RESPONSIBLE FOR DELIVERING THE E-MAIL TO THE INTENDED RECIPIENT, YOU ARE HEREBY NOTIFIED THAT ANY DISSEMINATION, DISTRIBUTION OR COPYING OF ‘THIS COMMUNICATION If STRICTLY PROHIBITED. IF YOU HAVE RECEIVED THIS E-MAIL INERROR, PLEASE IMMEDIATELY NOTIFY THE SENDER BY EWA OR TELEPHONE (IF CONTACT INFORMATION IS PROVIDED) AND PERMANENTLY DELETE THE ORIGINAL OR ANY PRINTOUT THEREOF. From: Larry Schneider (mailto:larry@sacapitalpartners.com] Sent: Monday, August 21, 2017 3:36 PM. To: Henry Bolz Ce: robertajurgensen@yahoo.com; Garry Smith ‘Subject: RE: FAB v. Schneider Foreclosure Scheduled Wednesday Appraisal Mr. Bole, am in receipt of your email from August 17, 2017 (attached for your convenience). ‘There is no reason to obtain an independent appraisal at this time. Thus, please do not schedule one. Should we find the need to order an appraisal in the future, we can discuss a list of potential independent appraisers which I'm sure we ‘can agree upon.Per your attached communication, you stated, “First American Bank will not be availing itself of its right to inspect the property during the month of August 2017.” {lam taking that as an assumption that there are not any property condition deficiencies which the bank is aware of or is concerned about. If this is not the case, please let me know so we can address any possible concerns, so they are not brought up as a surprise during the September 1, 2017 hearing, when they could easily be addressed by an FAB property inspection, which FAB has elected to waive. ‘The property remains in immaculate condition. Regards, Larry Schneid From: Henry Bolz [mailto:hbolz@kellerbolz.com] Sent: Monday, August 21, 2017 3:13 PM To: Larry Schneider Ce: Garry Smith; raensen@yahoo.com ‘Subject: FAB v. Schneider Foreclosure Scheduled Wednesday Appraisal Mr. Schneider: We are now just a little less than 48 hours away from the Appraisal appointment at 1:00 p.m. on Wednesday. You never confirmed that you are a “go” for that time/date. Are you? Please let me know so that we can avoid any last- minute changes. Thanks. Regards, Henry H. Bolz, III Keller & Bolz, LLP 121 Majorca Avenue, #200 Coral Gables, FL. 33134 telephone: (305) 529-8500 Telefax: (305) 529-0228 E-mail: hbolz@kellerbolz.com IMPORTANT: THIS EAIAIL AND ANY ATTACHMENTS THERETO. I$ INTENDED FOR THE USE OF THE INDIVIDUAL OR ENTITY TO WHICH TIS ADDRESSED AND MAY CONTAIN INFORMATION THAT 1S LEGALLY PRIVILEGED, CONFIDENTIAL AND EXEMPT FROM DISCLOSURE UNDER ‘APPLICABLE LAW. IF THE READER OF THIS E-MAIL Is NOT THE INTENDED RECIPIENT, OR THE EMPLOYEE OR AGENT RESPONSIBLE FOR, DELIVERING THE E-MAIL TO THE INTENDED RECIPIENT, YOU ARE HEREBY NOTIFIED THAT ANY DISSEMINATION, DISTRIBUTION OR COPYING OF ‘THIS COMMUNICATION IS STRICTLY PROHIBITED. IF YOU HAVE RECEIVED THIS &-MAIL IN ERROR, PLEASE IMMEDIATELY NOTIFY THE SENDER BY EAMAIL OR TELEPHONE (IF CONTACT INFORMATION IS PROVIDED) AND PERMANENTLY DELETE THE ORIGINAL OR ANY PRINTOUT THEREOF."Eta Ke DOROTHYIACKS'- RS =9) Fal Beach Gouri pba Location Address 17685 CIRCLE POND CT. Municipality UNINCORPORATED Parcel Control Number 00-42-46-31-01-000-0370 Subdivision FOX HILL ESTATES OF BOCA RATON Official Records Book 28977 Page 1897 Sale Date MAR-2017 Legal Description FOX HILL ESTATES OF BOCA RATON LT 37 ‘Owners [SCHNEIDER LAURENCE S Mailing address 360 E COCONUT PALM RD BOCA RATON FL 33432 7916 Sales Date Price (OR Book/Page Sale Type Owner MAR-2017 $10 28977 /01897 QUIT CLAIM SCHNEIDER LAURENCE S JUL-2008 __$1,761,360 20662 / 00249 WARRANTY DEED®._ SCHNEIDER LAURENCE S & [No Exemption Information Available. “Total Square Number of Units 1 raee 7947 Acres 0.30 (0100 - siNGLE AGR-PUD ~ Agricultural Reserve PUD ( 00- Use Code Eanaty 707I°9 yyincORPORATED ) Tax Year 2017 P 2016 2015 Improvement Value $945,081 $956,458 $1,091,290 Land Value 209,475, $198,500 $190,000, Total Market Value $1,154,556 51,155,958 $1,281,290 ie All values are as of January Ist each year Preliminary a . Tax Year 2017P 2016 2015 Assessed Value 51,154,556 51,155,958 $1,281,290 Exemption Amount so $0 $0 Taxable Value $1,154,556 51,155,958 $1,281,290, Tax Year 2017P 2016 2015 ad Valorem $20,286 $20,785 523,824 Non Ad Valorem $367 $361 $357 Total tax $20,653, $21,146 $24,181Larry Schneider Frot Larry Schneider Sent Monday, May 15, 2017 2:22 PM To: ‘hbolz@kellerbolzcom’ Subject: S.&A Matter Attachments: Certified Letter S & A to First American, April 27, 2017,pdf Dear Mr. Bole, In the interest of taking good faith efforts towards resolution, | ‘ve attached a letter which was sent by coufigel forS & A Capital to lames Berton of First American Bank on April 27, 2017, via certified mail. We have not yethad a response. Although you probably are unaware of the letter and may not be required to know anything about it, | believe its relevant. As you are aware, Mr. Hagan acknowledged the existence of the satisfaction of mortgage which First American executed, on a mortgage to a borrower by the name of Johnnie Washington, whose loan was owned by S 8A. the mortgage served as just the underlying collateral for a loan to $ & A Capital Partners commercial line of credit, in which | was a personal guarantor. The bank of Coral Gables recorded a “Collateral Assignment of Mortgage” until the line of credit was paid in full, which | believe occurred in 2010. Obviously, byseeing that the assignment clearly stated on its face, that it was "Collateral," the First American employee should have knowin that the bank did not have a servicing file or record identifying the borrowers name, social security number, etc. in its servicing system of records. Furthermore, a simple check of the relevant servicing systemsof records which are utilized by the bank, would not have shown any reference to that borrower, regardless of the search criteria it would have utilized. ‘Again, to the extent that Mr. Hagan had represented that @ settlement would resolve both issues, | wanted to make sure you were aware of the pending response to our letter regarding S & A Capital. Hil send you whatever else | can to help close the gap.as to what Mr. Trent did or did not provide to First American. We also have three deposition notices which ! Know that Mr. Trent has not yet served. These are probably not as important at the moment. | do need the'discovery documents so that | can engage an attorney who can see the documentation and advise me accordingly. As such, | will advise you immediately as to my new counsel upon engaging a firm, which will likely be the latter part of next week, as | am out of town from Tuesday through Saturday of this week, Sincerely, Larry Schneider 'S & A Capital Partners 1" Fidelity Loan Mortgage Resolution 305-710-4201 larry@sacapitalpartners.comLaurence Schneider 360 E. Coconut Palm Dr. Boca Raton, FL 33432 ‘August 14, 2017 First American Bank 2295 Galiano St. Coral Gables, FL33134 RE: PROPERTY ADDRESS: 17685 Circle Pond Court. Boca Raton, FL 33496 HELOC Loan no. 40000006 RESPA QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT & VALIDATION OF DEBT LETTER: Dear Madam or Sir: Tam writing to you to complain about the accounting and Servicing of my mortgage, and my need for understanding and clarification of various charges,,credits, debits, transactions, actions, payments, analyses, and records related to the servicing of my loan from Its inception to the present date. As such, please treat this letter as a “Qualified Written Request” dispute and request for information under the Real Estate Settlement Procedures Act, codified as Section 2605 (e) of Title 12 of the United States Code. As you may know, RESPA provides substantial penalties and fines for non-compliance or answers to my questions provided in this letter, Due to the recent mortgage market meltdown and your involvement in this market, T am concerned that my loan payments have not been properly credited, amortized, calculated, and serviced properly. I am.also concerned with the ownership of my promissory note; to whom my actual obligation is owed; who my actual lender Is; and your authority to collect payments and/or negotiate the purchase/tepurchase of my promissory note from my actual lender. 1 am also concerned about the nature and extent of your current authority and current plans to modify this mortgage loan by reducing the amount owed, reducing the annual percentage rate, and extending the term. The meltdown of the mortgage market and the effects of any financial manipulation may have affected the current amount you claim T owe as the principal balance due on my loan which may not be correct and may not have been properly amortized. In addition, I am concerned that my escrow payments and/or my monthly payments may have been adversely affected and that they may be paying more than what they owe or less than is necessary to properly amortize my mortgage over its term.Upon receipt of this letter, please refrain from reporting any negative credit information regarding me to any credit reporting agencies until you fully respond to the requests in this letter. Please note that this duty Is imposed by RESPA and we will take legal action if you fail to comply therewith. Due to the current economic climate, I am exploring various options to protect my property and finances. My home is a very important and valuable asset to me that I desire to protect. Please do not infer any negative connotation by my letter, but the industry-wide practices employed in recent years trouble me, and I am seeking information to not only alleviate my concerns, but to guard against future problems. Tam examining my finances and making determinations as to how best to pay off, reduce, and/or refinance my mortgage and/or sell my property to one Interest or another, I executed a promissory note that is a contract between me and whoever owns that contract now. The United States government may actually own my promissory note. If so, either I or. investors I know may desire to purchase back my promissory note from the government or from my actual current holder and/or owner, at a profit, as part of a purchase of my property and/or restructuring of my finances. Experts have been retained to audit my mortgage loan that you service as well as to explore various purchase, sale, refinancing, loan, business, and financial options for them. In order to conduct this examination and audit, I need to have full and'immediate disclosure including copies of all pertinent information related to my loan. As such, please send to me, at the address above, copies of the following documents and answers to my servicing related questions below within the 60-day time frame provided for by RESPA. DOCUMENTS NEEDEI UDIT «All “master” transaction registers/ledgers of my loan in your servicing files or backup files, with you or any sub-servicer, including but not limited to your mortgage servicing system, MSP or FiServ or any mortgage servicing system you use. Please provide all information residing in any data field in the system or any component that supports the system that deals with any of the questions listed below (no screen or partial dumps or spreadsheets please). Also, I am also requesting that you produce any “metadata” associated with any of these electronic files of computer data systems. + Also, please provide and include all descriptions and legends and definitions of all Codes used in your mortgage servicing and accounting system so that the examiners, auditors and experts retained to audit and review my mortgage account may properly conduct their work, + A certified copy of the front and back portion of my promissory note as it exists today along with all endorsements, affixed or un-affixed allonges, and transfers whether recorded or not. ‘+ Acertified copy of the front and back portion of the my deed of trust and/or mortgage as It exists today along with all assignments whether recorded or not. * Canceled checks, wire transmittals or other evidence of payment for each endorsement or transfer of my promissory note. + All executed, recordable and “non-recordable” endorsements and assignments associated with my loan including, but not limited to assignments, transfers, endorsements, delivery and transfer receipts, allonges, or other documents evidencing a transfer, sale or assignment of my mortgage, deed of trust, promissory note or other document that secures payment by me to my obligation in this account from the inception of my loan to the present date.= All records, electronic or otherwise, of transfer of my mortgage, promissory note, or servicing rights to my mortgage. + All escrow analyses conducted on my account from the inception of my loan until the date of this letter. © Your current XLS key loan transaction report or foreclosure or bankruptcy XLS worksheet for my mortgage loan. ‘* Copies of the front and back of all checks or other evidences of payment received from me. * Copies of the front and back of all checks issued by you to any third-parties for any services. performed in connection with or related to or arising out of the servicing of my mortgage loan. SEI ED QUESTIONS I NEED ANSW! After the recent problems in the mortgage market, I have many servicing related questions in addition to the request for documents enumerated above. I am concerned that I do not have good and proper title to my property and that the amounts you claimed owed by me are incorrect. Please answer the following questions: 1. What is your actual servicing relationship with my loan? Aré you the primary servicer, master servicer, back-up servicer, interim servicer, private label servicer, default servicer, sub- servicer, and/or special servicer of my loan? (Please identify which one you are and when you acquired such servicing rights.and from whom they were acquired. Also, state whether or not all of my loan obligations were current when you first acquired the servicing rights). 2. Has my promissory note ever’been securitized? If so, kindly provide the following information: Alll trusts, SPVs, QSPEs,/REMICS, and entities that my note has been transferred to from its inception'to the current date; and ‘The cufrent trust, SPV, QSPE, SPE, REMIC or entity my note is owned by. 3. __ Is there @ny Fannie Mae, Freddie Mac, Ginnie Mae, FHA, HUD, VA, or private guarantee related to. my loan? If yes, who has provided this guarantee and what portion of my payment goes to this guarantee? 4. Who Is the master document custodian that safeguards and holds my “original” promissory note that they signed in ink? (Please provide the full name and address of the custodian and the date the original note was transferred to the said custodian). 5. Does my original promissory note currently have any “blank endorsements” on it? {Yes/No} If yes, kindly explain why. b. _If yes, kindly tell me as of the date written above: 1, Who owns and Is the actual “holder” of my note and not servicer of my note; ji, Who claims to be the holder of my note; andii, Has the United States government purchased my note? 6. Does my original promissory note properly reflect the chain of title from one interest to another as provided by the conveyancing and transfer rules of the Pooling and Servicing Agreement? [Yes/No] If no, then kindly explain all defects and deficiencies. 7. Are there any missing endorsements or transfer and delivery receipts with respect to the promissory note? [Yes/No] a. If yes, kindly explain why. 8, Have any due diligence and/or quality control services conducted by you or any other entity on my loan Identified any red flags, frauds, misrepresentations, misstatements, errors, or problems? a. If yes, explain in detail, 9. Has my loan ever been classified as a “scratch and dent” loan? a. If yes, explain in detail, 10. Will I receive my original (signed in Ink) promissory note stamped “Canceled & Paid In Full” when it is paid off or refinanced? [Yes/No] If no, explain why not. 11, Have any legal fees, BPOs, property inspections, and/or appraisals by you or any Investor been conducted or incurred on my property since the inception of my loan? [Yes/No] a. If yes, have I been charged or assessed any fee for any legal service, BPOs, property inspections or appraisals after the inception of my loan? [Yes/No] 1. _If yespokindly tell me the date of such legal fee, BPO, property Inspections or appraisal, the amount paid and provide me with copies of all documents related to each such legal fee, BPO, property inspections or appraisal conducted on my property including, but not limited to reports, orders, invoices and the front and back of all cancelled checks for payments. li, Ifany of these fees or charges have been “shared” with any third parties, then Identify each party by full name and address, the amount of the fee or charge so shared, and he basis for such sharing. 12. Who may I contact to negotiate the purchase and/or repurchase of my promissory note or the modification of the terms? (Please include name, mailing address, email address, and direct telephone number). 13, _ What Is the name and date of the pooling and servicing agreement that governs your servicing of my loan? 14, Where can I secure a copy of this agreement? 15, _ Is there any power of attorney ("POA") filed/recorded in my property's county or any other county that governs your relationship with my loan? 16. _ If yes, kindly identify the state and county where the POA is filed/recorded and the filing/recording number or book and page number, name, and date of the POA?SUSPENSE /UNAPPLIED ACCOUNT QUESTIONS For purposes of this section, please treat the term “suspense account” and “unapplied account” as one in the same. 1. Have there been any suspense or unapplied account transactions on my account from the inception of my loan until present date? a. If yes, why? If no, please skip the questions in this section dealing suspense and unapplied accounts. b. Ina spreadsheet or in letter form in a columnar format, please detall each and. every suspense or unapplied transaction, both debits and credits that have occurred on my account from the inception of my loan until present date, Also, please describe In detail where all funds taken out of suspense have been applied and why they were so applied. Please justify each such application pursuant to the terms of the note and mortgage. c. What is my current suspense account balance? d. Why was my money placed into suspense and/how will-it be allocated to my loan? Also, please describe your standard time-line rule for holding funds in suspense, and identify the provisions in the note and/or deed of trust or mortgage that authorize you to hold feesin. suspense without any application for more than 10 business days. e. Please state whether or not-you have earned any interest on funds held in ‘suspense at any time, the total amount so earned as of the date of your response, and whether oF not such interest was applied to the loan. If not so applied, then state how the interest was in fact applied and to whom. LATE FEE QUESTIONS For purposes of the questions. below dealing with late fees, please consider the terms “late fees” and “late charges” to be one in the same. 1. Have théte been any late fee transactions on my account from the inception of my loan until the present date? If yes, why? If no, please skip the questions in this section dealing with late fees. In a spreadsheet or in letter form in a columnar format, please detail each and every late fee transaction, both debits and credits that have occurred on my account from the inception of my loan until present date. c What is my current late fee balance? 2, Have you reported the collection of late fees on my account as interest In any statement to me or to the IRS? [Yes/No] 3. Do you consider the payment of late fees as liquidated damages to you for not receiving my payment on time? [Yes/No] 4. Are late fees considered interest? [Yes/No] 5. Please detail in writing what expenses and damages you incurred for any payment I made that was late.6. Were any of these expenses or damages charged or assessed to my account in any other way? [Yes/No] 7. If yes, please describe what expenses or charges were charged or assessed to my account. 8. Please describe in writing what expenses you or others undertook due to any payment I made that was late. 9. Please Identify in writing the provision, paragraph, section or sentence of any note, mortgage, deed of trust or any agreement I signed that authorized the assessment or collection of late fees. Thank you in advance for addressing the questions and issues above. Upon receipt of the documents and answers, an exam and audit will be conducted that may lead to further document requests and answers to questions under an additional QWR letter It is my hope that my Immediate questions and audit will validate my debt,to the penny. If not, any errors or abuses identified will have to be corrected and/adjusted. I also want to negotiate a purchase price for my note from my actual lender. L anxiously await your prompt response to this request. Sincerely, SSS] Laurence SchneiderUSPS.com® - USPS Tracking® Results Page | of 4 USPS Tracking’ Results FAQs > (http:/faq.usps.com/?articleld=220900) Track Another Package + Remove X Tracking Number: 70090080000042647238 D D )“ Delivered Product & Tracking Information Postal Product: Features Certified Mail™ DATE & TIME ‘STATUS OF ITEM LOCATION ‘August 18, 2017, 10:04 am Delivered, Front MIAMI, FL 33134 Desk/Reception ~A ‘Your item was delivered to the front desk or reception area at 10:04 am on August 18, 2017 in MIAMI, FL 33134, August 18, 2017, 9:52 am In Transit to Destination ON ITS WAY TO MIAMI, FL 33134 August 17, 2017, 10:52 pm Departed USPS Regional MIAMI FL DISTRIBUTION Origin Facility CENTER, https://tools.usps.com/go/TrackConfirmAction.action?tRef=fullpage&tL 8/20/2017USPS.com® - USPS Tracking® Results Page 2 of 4 DATE & TIME ‘STATUS OF ITEM LOCATION August 17, 2017, 9:36 am In Transit to Destination ON ITS WAY TO MIAMI, FL 33134 August 16, 2017, 9:36 pm Arrived at USPS Regional MIAMI FL DISTRIBUTION Origin Facility CENTER August 16, 2017, 5:04 pm Departed Post Office POMPANO BEACH, FL33073 August 16, 2017, 12:45 pm. 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