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CLB Agenda 08/17/2016
er CoNnty COLLIER COUNTY CONTRACTORS' LICENSING BOARD AGENDA AUGUST 17, 2016 9:00 A.M. COLLIER COUNTY GOVERNMENT CENTER ADMINISTRATIVE BUILDING BOARD OF COUNTY COMMISSIONERS CHAMBERS ANY PERSON WHO DECIDES TO APPEAL A DECISION OF THIS BOARD WILL NEED A RECORD OF THE PROCEEDINGS PERTAINING THERETO, AND THEREFORE MAY NEED TO ENSURE THAT A VERBATIM RECORD OF THE PROCEEDINGS IS MADE, WHICH RECORD INCLUDES THAT TESTIMONY AND EVIDENCE UPON WHICH THE APPEAL IS TO BE BASED. ROLL CALL: II. ADDITIONS OR DELETIONS: III. APPROVAL OF AGENDA: IV. APPROVAL OF MINUTES: A. May 18, 2016 B. October 21,2015 V. PUBLIC COMMENTS: A. VI. DISCUSSION: A. VII. REPORTS: A. VIII. NEW BUSINESS: A. Orders Of The Board B. James A. Loubert- James Loubert Carpentry, LLC- Reinstatement- Waiver of Exams C. Natalina Capone- PMT of Naples, Inc.- 2nd Entity (Tile/Marble and Flooring) IX. OLD BUSINESS: A. X. PUBLIC HEARINGS: A. XI. NEXT MEETING DATE: WEDNESDAY, SEPTEMBER 21, 2016 COLLIER COUNTY GOVERNMENT CENTER ADMINISTRATIVE BUILDING THIRD FLOOR IN COMMISSIONER'S CHAMBERS 3299 E. TAMIAMI TRAIL NAPLES, FL 34112 July 20, 2016 MINUTES OF THE COLLIER COUNTY CONTRACTORS' LICENSING BOARD MEETING May 20, 2016 Naples, Florida LET IT BE REMEMBERED, that the Collier County Contractors' Licensing Board, having conducted business herein, met on this date at 9:00 AM in REGULAR SESSION in Administrative Building "F," 3rd Floor, Collier County Government Complex, Naples, Florida, with the following Members present: Chairman: Thomas Lykos Vice Chair: Richard Joslin Members: Michael Boyd Elle Hunt Terry Jerulle Kyle Lantz Gary McNally Robert Meister Patrick White ALSO PRESENT: Ian Jackson — Supervisor, Contractors' Licensing Office Jason Bridwell — Administrative Supervisor, Contractors' Licensing Office Kevin Noell, Esq. — Assistant County Attorney James F. Morey, Esq. — Attorney for the Contractors' Licensing Board Joseph Nourse — Collier County Licensing Compliance Officer July 20, 2016 Any person who decides to appeal a decision of this Board will need a record of the proceedings and may need to ensure that a verbatim record of said proceedings is made, which record includes the testimony and evidence upon which any Appeal is to be based. I. ROLL CALL: Chairman Thomas Lykos opened the meeting at 9:04 AM and read the procedures to be followed to appeal a decision of the Board. Roll call was taken and a quorum was established; nine (9) voting members were present. II. AGENDA — ADDITIONS OR DELETIONS: Additions: • Under Item VI, "Discussion,"— the topic: "Applicant's Financial Responsibility" was added. Deletions: Under Item X, "Public Hearings,"— Case #2016-04, Michael Werab, was withdrawn by the County. III. APPROVAL OF AGENDA: Patrick White moved to approve the Agenda as amended. Vice Chair Richard Joslin offered a Second in support of the motion. Carried unanimously, 9— 0. IV. APPROVAL OF MINUTES — MAY 189 2016: Patrick White moved to approve the May 18, 2016 minutes as submitted. Terry Jerulle offered a Second in support of the motion. Carried unanimously, 9 — 0. V. PUBLIC COMMENT: (None) VI. DISCUSSION: A. Applicant's Financial Responsibility/Certificate of Financial Responsibility Ian Jackson, Contractors' Licensing Office Supervisor, stated: • The State of Florida's Construction Industry Licensing Board ("CILB") is offering a course entitled "Financial Responsibility and Stability for the Contractor." • The course is available online through the Cam Tech School of Construction (Website: camtechschool.com) (Phone: 813-960-0100). July 20, 2016 Course details: "This course is intended to provide students with the skills and concepts needed to gain financial responsibility related to business accounting, financial planning, savings, investments, money management, credit and debt management, risk management and investing, protecting assets, insurances, taxes, and becoming a responsible, prosperous business owner." • Cost: $149.00 Mr. Jackson stated the goal is to encourage ("strongly recommend") the applicants with marginal credit scores to take the course and obtain certification prior to appearing before the Board. He stated it is a tool the Board could use in its decision-making process when contemplating whether or not to grant a license or place an applicant on probation. He became aware of the course while conducting research for options to relieve the Board of its "credit counseling" duties and in-depth review of credit reports. Elle Hunt was supportive of the concept, stating the course could be a valuable tool for the Board to consider. She requested information concerning the length of the course as well as whether it assists students in developing a business plan. She cautioned that obtaining a Certificate of Completion would not automatically guarantee an Applicant would receive a license — "it does not give them a pass." • Mr. Jackson will obtain detailed information (length of the course; passage/failure rate) and present his findings concerning this course and other potential options to the Board at a later meeting. Chairman Lykos noted providing the information about the course is a service offered by the County to Applicants — he stated no one is "owed" a license. B. Additional Topic — Discussion requested by Vice Chair Richard Joslin Vice Chairman Joslin noted during the "Public Comment" portion of the May meeting, Tom Davis brought the issue of re -screening to the Board's attention. He asked if a license was required. Ian Jackson clarified a license was not required to re -screen an enclosure. Terry Jerulle asked if either a permit or a license was necessary. Ian Jackson replied that neither was required. Vice Chair Joslin: There is no "governing" behind it at the moment, correct? Ian Jackson: Companies that only re -screen generally operate with a Business Tax Receipt. Vice Chair Joslin: That's my point. I think it needs to be covered — needs to be brought up again — either through discussion or a workshop. Because this, I think, is a license that we should have under control. If you allow a company to re -screen an enclosure — the screened enclosures now can be two and three stories — we would be allowing people on top of roofs with no licenses and no insurance to re -screen something ... if someone falls and is hurt, who is responsible? Patrick White: A bigger concern for me was the removal of the fasteners and replacing them with those of lower quality or incorrect dimensions which may or may July 20, 2016 not work as they were designed to do. Additionally, there was some concern about the guide wires — were they properly tensioned? Finally, by installing a tighter mesh screen, the wind -load ratings could possibly no longer be met by the design of the cage. What we could have, in a "storm event," is — due to the re -screening — is a situation where cages that would have stayed in place would not be able to meet the wind -loads and the entire structure could possibly come up out of the ground and fly through the air. Mr. White continued, stating the safe concerns should drive any investigations and recommendations from Mr. Davis and others in the industry, as well as the County's Staff, regarding the types of changes that should be made to current regulations — whether it is licensure or permitting, or both. Vice Chair Joslin stated he wanted to ensure the issue was not dropped — it was in the May minutes — he reiterated he would not like to see an unlicensed individual perform the work. He noted the County licenses pressure washers to allow them on roof tops — they are required to have a license and insurance. He expressed concern that an individual doing a re -screening job would be allowed on top of an enclosure without a license or insurance. Ian Jackson: The licensing position of this County is not inconsistent with other Counties regarding re -screening or with the State, for that matter. But the matter is being examined — it has not "gone by the wayside." Chairman Lykos advised cautioned and to "think about what we are doing" before making government larger and more intrusive in private enterprise. VII. REPORTS: (None) VIII. NEW BUSINESS: A. Orders of the Board Patrick White moved to approve authorizing the Chairman to sign the Orders of the Board. Gary McNally offered a Second in support of the motion. Carried unanimously, 9 — 0. (Note: With reference to the following cases heard under Section VIII, the individuals who testified were first sworn in by the Attorney for the Board.) B. Adolfo Mayor — Credit Review (d/b/a "Unique Tree Services, LLC") Adolfo Mayor stated he submitted an application to obtain a Landscaping Contractor's License. Ian Jackson, Contractors' Licensing Office Supervisor, stated there were questions concerning the Applicant's credit report which necessitated review by the Board, pursuant to Collier County Ordinance, Section 22-184(b). Specifically, there are two Federal tax liens and a collection issue. July 20, 2016 Chairman Lykos requested an explanation from the Applicant, noting his current FICO score was not that much lower than the County's minimum. Adolfo Mayor stated he had been released from one tax lien ($18,700) and is making monthly payments on the other lien. He stated he "had the wrong person doing my taxes" and fell a bit behind ... when the economy dipped, it was difficult to catch up. He provided proof of the monthly payments. He further stated he had verification of proof of payment of the collection item ($177). Kyle Lantz questioned Ian Jackson: Q. Does the Landscaping License allowed the Applicant to also trim trees. A. Yes. Q. It covers everything? A. All landscaping, installations, tree removal and trimming. Adolfo Mayor stated he has also owned a landscape maintenance company for the past fifteen years. Terry Jerulle questioned Ian Jackson: Q. The only reason why the Applicant is here is because of his credit report? There were no questions on any other part of his application, as far as you were concerned? A. No. Q. So, if he had better credit that met the State's minimum criteria, you would have given the Applicant a license and he would not have been required to appear before the Board? A. Correct. Patrick White noted when he read the affidavits concerning verification of construction experience, two different names were mentioned (Adolfo Mayor and Nelson Guerra) — he was confused as to exactly who was applying for the license. Adolfo Mayor replied Nelson Guerra will eventually become a partner in the business. He confirmed that his wife, Tonya Mayor, owns Mayor Lawn Care, LLC. Patrick White stated if Adolfo Mayor is granted a license, he will be solely responsible if there are any fiscal issues. Chairman Lykos summarized: • There was testimony from the Applicant that the collection item had been paid in full; • There was testimony and documented verification that the smaller of the two tax liens had been paid; • There was testimony and bank records that regular payments are being made on the remaining tax lien. Patrick White asked the Applicant if the lien was against his business or himself and the response was, "It was for the business." Michael Boyd asked about the collection issue regarding child support. Adolfo Mayor replied the issue was payment of a remaining balance of seven cents. July 20, 2016 Kyle Lantz moved to approve Adolfo Mayor's application for a landscaping license. Vice Chair Richard Joslin offered a Second in support of the motion. Carried unanimously, 9 — 0. C. Ser1lio Quezada — Application to Qualify a Second Entity (d/b/a: "QS Irrigation, Inc." Second Entity: "Caribbean Lawn & Garden of SW Naples, FL, Inc.") Sergio Quezada was sworn in to testify as well as Mario Caraza and Maria Caraza, his wife. It was noted Mr. Quezada, the owner of QS Irrigation, Inc., had appeared before the Board during the May meeting. Mr. and Mrs. Caraza are the owners of Caribbean Lawn and Garden. Chairman Lykos noted during the May meeting, the Board had questions regarding Mr. Quezada's involvement in the management of Caribbean Lawn and Garden. Sergio Quezada explained there were questions concerning how he would be able to control and administer two companies doing the same job. He stated the new application explained. He stated he will join the maintenance company (Caribbean Lawn and Garden) as an officer and President of Human Resources which will give him the ability to hire (new) and train qualified irrigation personnel for Caribbean as well as supervise them at work. If he is allowed to qualify Caribbean as a Second Entity, the company will be able to service commercial accounts which it is currently contracting out. Chairman Lykos questioned Mr. Quezada: Q. You are the owner and qualifier of QS Irrigation, Inc.? A. Yes, sir. Q. And you want to qualify Caribbean — is that correct? A. Yes. Q. In the discussion during the previous meeting, the question was about your ability to have decision-making authority at Caribbean — correct? A. Yes and money issues — control of the two accounts ... working under the same name — how we wanted to control that. Q. Tell me what has changed since the last meeting. What is your new agreement — your new arrangement — where you now have that control? A. We have an agreement that I will be part of the maintenance company. Q. Can you tell me what that means — you will be "part of the maintenance company? Maria Caraza explained: A. What we have agreed is if we are granted to be qualified, then we would make him part of the company. We would add him as an owner and he would also have the financial ability to withdraw or do anything that has to be done with a bank. Also he will train — he is going to be head of HR for irrigation and will have the July 20, 2016 decision making to either hire or not hire an employee. It would be completely controlled by him. Chairman Lykos questioned Mr. Quezada: Q. Can you explain to me what your understanding is concerning how you will be compensated or what your percentage of ownership will be? A. I will receive 20% of the profit from the irrigation division. Q. You will get 20% of Caribbean's profits? A. Yes. But just in the irrigation division — not the whole company. Q. Okay — you'll get 20% of the irrigation profits from Caribbean? A. Yes. Q. And how will those profits be calculated? A. Basically by — we are doing every job — labor, material, costs, office, taxes — whatever is left at the end of the year. We will try to not touch anything in the first year. In the second year, we will start to get into quarters — any profit — to let things grow. Q. How will the financials be kept separate between the irrigation part of Caribbean's business and the maintenance part of Caribbean's business? A. There will be two different accounts. That's the reason we have to control — so we don't mix it. The accounting office will have to keep it separate. Maria Caraza explained: A. Whatever we do in irrigation will be put aside in a different account. That's the account that he's going to be able to financially withdraw or put in — whatever he wants — because it's going to be a completely different bank account. Since he is part of the business, he would be able to see what is going on. He will go and visit customers. We currently have commercial and residential accounts and they already have trust in us. We have talked — if we do have an irrigation license, then they would give us the irrigation business that they currently give to someone else. That's where he would come — he would meet with them and give the proposals — he would do all of that stuff. He would be very involved in that. Elle Hunt questioned Maria Caraza: Q. Do you have a contract in regard to the terms between the current company and what the new organization is going to look like? A. No, we do not have a contract right now because we are waiting to see if we get the license first. Then, yes, obviously, there would be a contract. Q. But you are asking us to grant you a license today on something you don't have a contract for — that you would only create a contract for afterwards? A. Well, if we don't have the license — if he cannot qualify us — if you don't grant us the license, then I can't put him in the business until that happens. Q. I understand. Not a completed contract — I was wondering if you have your draft contract ready to sign? A. I don't have it with me, no. Vice Chair Joslin stated it was more along the lines of financial responsibility, that the Board was asking for a business plan. July 20, 2016 Vice Chairman Joslin questioned Maria Caraza: Q. Are you going to use the same employees for QS and Caribbean? Are the employees going to be under the same umbrella and for which company? A. No, Caribbean is going to have the same employees but those employees will not do any landscaping. They would be under his supervision. Q. So the payroll and the amounts that are being paid, and the insurance will be under QS with those employees working for Caribbean? A. No, no — they will be under Caribbean — they will be employees of Caribbean Lawn but he will supervise them and they will only do irrigation. They won't do the landscaping but they will still be under my company because Caribbean Lawn will have the license also. But he would come in — he's the one who will train them — they are not going to do anything else that has to do with landscaping. They would be just an irrigation crew. Q. I'm confused. Why would you need two companies to do that? Why doesn't he just license you or become, for example, a vice-president in your company and use his license to do the irrigation portion and just have one company? Elle Hunt: Right — a subcontractor. A. Because most people [customers] don't want a subcontractor — they want the person that they trust — the company that they trust — to do the work for them. Q. Well, they will still be under your umbrella — your company — and he would just work for your company but with an irrigation license ... so you could do the whole package under one roof. Terry Jerulle questioned Maria Caraza: Q. What you are asking us to do is — at least in my mind — is to grant you a license under the assumption that you will do a contract with Sergio that will hold up under the Florida Lien Laws — under Florida's Contractor Licensing Laws. And we don't know what that contract is. If we had something to read, to understand how you are going to run your business, we would be more comfortable. Right now, we are concerned for the public. We are concerned that you may contract with an individual and maybe a bill doesn't get paid and a lien goes against that individual — who are they going to go after? Who is financially responsible? Does Sergio have the power to make sure the bills get paid? A. Of course. Q. But how? Elle Hunt: As of today, there is no guarantee that he has that control because you have no contract in place and no contract to show us. Patrick White: Assuming for the sake of discussion that the Board approves the license application today, how long will it take to enter into the contract with Sergio for him to have check -writing authority for the bank account that you will establish? How long? Maria Caraza: Right now. Once we leave here, we can go to the bank. We can sign the contract and go to the bank and open the new account. Patrick White: You are saying, within the same business day? Maria Caraza: Yes. All it takes to go to ..... Patrick White: I am aware of what it takes Maria Caraza: I'm sorry. Patrick White: And the answer is — today. Maria Caraza: Yes. July 20, 2016 The question was "how long." Kyle Lantz: I'm just a little bit confused by the Board's response. In my experience in the past, we've never asked — we've had plenty of people working for a company they don't own that they have qualified and, as long as they sign something that says they have check -writing authority, we've been "good." The Board has never asked for an employment contract or any of that. I am curious as to why the Board wants one now when we have never done it in the past. Terry Jerulle: It's financial responsibility. It's not just check -writing authority ... the State says you have to be financially responsible. Kyle Lantz: This has nothing to do with the State — this is just the County. Terry Jerulle: I think the County is in the State ... right? Kyle Lantz: Well, hasn't he signed in his application that he is financially responsible. Hadinger Flooring — they have a qualifier who is probably not the owner and we didn't have an employment contract. We just had our application that said whoever is the Qualifier is also financially responsible. So, why now do we need a contract when we've never needed one in the past? Patrick White: The reason why I asked the question about the timing was if it was to occur on the same day as the licensure, when the Qualifier status is provided. I am less concerned because it seems they are prepared to implement what would be appropriate and they have testified as to what they are going to do. Now if we wanted to issue the license in a way where proof is required to be provided to Staff — and add that on as a new layer of assurance to protect the public, it's the only way I think we would potentially be able to do it. At this point, I am satisfied with maintaining the prior practice. Chairman Lykos: Well, I have a lot of questions. Chairman Lykos questioned Maria Caraza: Q. When Caribbean has a client that wants irrigation work done — and in the past, Caribbean has hired QS to do the irrigation work. What you want to do is to have Mr. Quezada qualify Caribbean to do its own irrigation work. And Mr. Quezada is going to maintain QS irrigation, is that correct? And when Caribbean does irrigation work, Mr. Quezada will oversee the irrigation work being performed by Caribbean. Let me ask you — why are you not just maintaining your current process where you hire QS to do that work? A. Most of our customers are not willing to use subcontractors due to insurance issues and due to — and the County is one of them. Caribbean does work for the County and it is getting tighter and tighter in letting subcontractors do their work. Our company subcontracts to someone else and that is a big issue for us because since we don't have the license, we cannot bid on a lot of work that we would be able to do, and that's where the idea came from. We've known each other for years and we've done work. We each know what we're capable of doing and we're good at what we're doing. So that's how the idea came — to get qualified so we can get other accounts that we currently don't have, and do the business together. 0 July 20, 2016 Kyle Lantz asked if Caribbean Lawn and Garden, under the license it currently has, is it allowed to subcontract irrigation jobs or is it forced to give a recommendation for the homeowners/customers to hire a contractor by themselves? Ian Jackson: If a company is not qualified for a trade, it is unable to contract for work or subcontract jobs out. The company could be in a position to refer a qualified irrigation company to a customer and the customer would pay the company directly. But if a company is contracting or subcontracting, it could be a violation. Kyle Lantz: As it stands right now, Caribbean doesn't have the ability to be a "one- stop shop" even if it was to subcontract to QS. But if it is qualified, it could now be a "one-stop shop" — do it in-house or subcontract to QS or another Contractor. Ian Jackson: Correct. Kyle Lantz: So the benefit of this — the reason why they want to do it — is to allow them to pursue other jobs because their customers don't want to have two different vendors, and they want someone to oversee it. Vice Chair Joslin questioned Sergio Quezada: Q. How do you get paid now? Do you [QS] have working employees now in your company? A. Yes. Q. You have your own employees — other than Caribbean? A. Yes. Chair Lykos questioned Sergio Quezada and Maria Caraza: Q. How many employees do you have? A. Seven. Q. How many employees does Caribbean have? A. (Maria Caraza) Nine. Vice Chair Joslin: I don't quite get opening up another business to do the same business. I understand the situation — that Caribbean can't subcontract irrigation work because it is not licensed for the trade. And QS can't subcontract lawn work because it is only licensed for irrigation work? Is that correct? So you're trying to put together under one umbrella so you can do the whole package, as Mr. Lantz said. It seems to me that there could be a smarter way and be done with it. Kyle Lantz: You are still going to have the QS employees and that's going to run on its own — you are not donating the QS business to Caribbean. Correct? Vice Chair Joslin: Oh, I see. Chairman Lykos questioned Maria Caraza: Q. Can you tell me who prepared the profit and loss statement that is included in our package? There's one from Caribbean for the first quarter and for the year ending 2015. A. That was our accountant. Q. Your accountant prepared the profit and loss statement? A. That's what he sent me by email. Q. Have you reviewed this profit and loss statement? A. No, I'm sorry — I have not. 10 July 20, 2016 Patrick White questioned Maria Caraza: Q. Do you routinely review the profit and loss statements on some regular basis? A. No. Q. You don't review any of the financial documents ....? A. Oh, yes, I do. Q. That was the question. A. I'm sorry — yes, I do. I do the accounting for .... Chairman Lykos questioned Maria Caraza: Q. Can you please open the packet to the profit and loss statement? I am looking at the statement for the year ending December 31, 2015. There are payroll expenses of just under $138,000. You have nine employees. Does that include yourself? A. No. Q. How are you and your husband compensated if that [figure] does not include your compensation? A. Well, it does. We're not in that amount — well, we are ... but we're not park of the nine employees. Q. So you have nine employees plus yourselves. A. Yes. Q. And you run the company? You are involved in the day-to-day operation s? A. Yes. Q. So the payroll number that is in here is inclusive of your pay — correct? A. Yes. Q. How do your payroll taxes get paid? A. What do you mean? Q. Do you have a payroll company or do you write the checks to ... ? A. We have a payroll company — a leasing payroll company. Q. How does your Workers' Compensation insurance get paid? A. Through the employee leasing company. Q. Thank you. Vice Chair Joslin questioned Maria Caraza: Q. How is the new gentleman going to get paid — the same way? Is he going to draw any wage from Caribbean since he will be the license holder for Caribbean? Is he going to draw a paycheck per week or is he going to get paid once a year when the profits come in ... or how? A. No, no. He's going to be paid on a monthly basis depending on the profits. Q. A monthly basis? A. Yes. Chairman Lykos questioned Sergio Quezada: Q. Mr. Quezada, have you reviewed the company financials for Caribbean Lawn and Garden? A. Basically, no. We have been talking about the money situation in both companies — I don't really sit and read it, or look at the numbers. July 20, 2016 Chairman Lykos questioned Maria Caraza: Q. Have you reviewed the company financials for QS Irrigation? A. Yes. I just looked over it. Q. I believe in the packet we have the profit and loss statement for QS Irrigation for the first quarter (January through March 2016). Have you reviewed that documentation? A. This was done two months ago. But yes, it was reviewed. Q. Do you understand how QS Irrigation pays their taxes — payroll taxes? A. I don't know how they do it in their company. Q. Do you know how their Workers' Compensation insurance is paid? A. I'm sorry, no. Q. Do you know who prepared this profit and loss statement for QS Irrigation? A. I believe his accountant. Q. Do you know his accountant? A. No, I do not. Chairman Lykos questioned Sergio Quezada: Q. Mr. Quezada, can you give testimony as to who prepared your profit and loss statement? A. That's the Cap Company — that's the name of the company. They do all my financials and (directing his comments to Maria) you know him. That's the same guy ... we have accounts to do all of this. Chairman Lykos questioned Maria Caraza: Q. If we can go back to your profit and loss statement. You have nine employees. Can you tell me what their average compensation is? How much do they make an hour ... how much do they make in a week? A. They make about $14.50 to $15.50 [per hour] — the normal laborers. And then we have two supervisors — they are on salary and make about $900 a week. Q. So you have roughly seven employees at $600 per week and two employees at $900 a week. A. Yes. Q. So, that's approximately $5,400 a week in payroll. Correct? And I'm at the low end of the range. So what's $5400 per week times 52 weeks? $270,000 per year. According to the profit and loss statement, there is $138,000 of payroll which includes the two owners. Chairman Lykos asked Mrs. Caraza to explain the line item on the profit and loss statement for "repairs/maintenance" in the amount of $51,045. He asked what the expenses were for. A. (Pablo Caraza) For all kinds of mechanical repair — tires — oil and gas — lathe for the machinery. Q. The more information you can give me, the better I will understand. A. Weed -eater lines — sharpening the equipment — broken heads. There's a lot that gets broken. Q. I understand it can be hard on the equipment. Can you also explain the vehicle allowance in the amount of $24,138. What is that for? A. (Maria Caraza) That's for our vehicles — we have two company cars. 12 July 20, 2016 Patrick White questioned Maria Caraza: Q. Are they leased? A. No, they are owned. Q. So those are the payments on ... ? A. Yes. Chairman Lykos questioned Maria Caraza: Q. Under "meals and entertainment" — that's $43,961 — that's roughly about $800 each week. Can you explain those expenses? A. He (indicating Pablo Caraza) draws from that — his meals during the day come from there. Also for the employees' water and ice — anything that has to do with the employees. Sometimes we take them out for pizza or we buy lunch for them — a number of things. Q. That's Eight Hundred Dollars each week! Explain to me how you can spend $800 a week on water and ice and pizza. A. Not only that — we also have — when we do the company parties — we do barbeques for them — all of that comes from there. Chairman Lykos asked Sergio Quezada if he understood those types of expenses reduced the amount of profit for the company he has requested to qualify. A. Yes, sir. Q. And by reducing the profitability of the business, it limits that you are going to make for the work that you do? A. The profit I will collect will be based directly on the irrigation. Q. I understand. But if they [Mr. and Mrs. Caraza] are making the decisions about the expenses for the company that are not directly related to the cost of doing the work — but are related to the costs of running the business — that is going to reduce the amount of the profits generated by the irrigation work. Maria Caraza explained: This is why we want to separate and this is why we want a different bank account — everything separate. We are together as a company but separate in the financials. I don't want my part of doing my work with my employees to — the employees with him will be my employees also. But it doesn't have to do with him. He will supervise — he will do everything with those employees. I am not going to take from what I do here with my husband's car allowance, with all of that, and have it interfere with the employees who are the irrigation crew. Chairman Lykos: I understand that you want to maintain separate accounting for the irrigation side of your business. However, Mr. Quezada's compensation will be based on the profits of Caribbean. A. No. Q. Then why is he qualifying your business? A. We're going back to the same thing. The profits are based on Caribbean but not on Caribbean as a whole. It will be based on Caribbean but only for the irrigation crew. Q. How are you managing the irrigation side of the business? Who is doing the bookkeeping for that? Who is doing the payroll for that? Who is paying for the tools and equipment to perform the work? A. We both will. 13 July 20, 2016 Q. And how are you going to keep track of that? Who does the bookkeeping for Caribbean? A. I do. Q. And are you going to charge the irrigation side of the business for part of your time? A. In that part — yes. Q. And THAT is an expense! A. But it has nothing to do with going out and buying pizza for them and doing that. It is something that I have to account with him [Sergio] for. If he is not in agreement that — on a Friday — buying pizza for the irrigation crew ... because they are not going to be working with my crew. You know, they are set for irrigation alone. If I go to him and I ask him if he wants a Pizza Friday for them and he says, "no," then I have to respect that. But that's between him and myself. I am not going to buy pizza for the irrigation crew if he's not okay with it. Elle Hunt questioned Maria Caraza: Q. So what expenses are going to be mirrored in the irrigation accounting? A. The expenses that will be mirrored in the irrigation will be part of my salary and whatever needs to be bought for that specific job — for that specific project that we are going at that time. That is it ... and his time. Q. No advertising, no discounts, no equipment, no maintenance of the equipment, no fuel, no gifts, no insurance, no .... A. Well, we've got to do that part but until we have the size of the crew that we will have, we don't have a project, we can't go ahead and calculate that because every project will be different. It could be a big project or it could be a small project. It will depend on the project that we will do and the costs involved ... the gas that is involved ... the equipment that is involved ... all that will depend on the size of the project. Terry Jerulle questioned Sergio Quezada: Q. Sergio, do you have Workers' Compensation insurance for your employees? A. Yes, sir. Q. And how do you provide that? A. Cypress is my Workers' Compensation insurance company and it is monthly payments. Q. Do you lease your employees? A. No. Q. So your employees work directly for you? A. Yes. Q. When you work for Caribbean Gardens, who will pay the Workers' Compensation insurance? Maria Caraza clarified the insurance coverage for the irrigation division would be paid for by Caribbean Lawn because the irrigation division employees would be covered under the same policy as the other employees of Caribbean Lawn. Mr. Jerulle asked if Caribbean Lawn would be using the existing employees of QS Irrigation and Mrs. Caraza replied, "no." 14 July 20, 2016 Sergio Quezada: Let me explain something. The maintenance that they are doing — I trained two or three guys to work in maintenance. The new projects we will follow with my guys. I will oversee maintenance and train the new guys but that will be for Caribbean. My QS will do specific jobs out of the maintenance. It is completely different. Chairman Lykos questioned Sergio Quezada: Q. Mr. Quezada, I would like to ask you some questions about your profit and loss. Have you reviewed your profit and loss statement that is part of this packet? A. No, sir. Q. You are the Qualifier for QS Irrigation — correct. A. Yes. Q. You have said that you have seven employees. A. Yes. Q. How much do you pay your employees? A. Between $13.50 and $15.00 an hour. Q. At $15.00 an hour, that's $600 per week. A. Yes. Q. If you have seven employees, that's $4,200 per week for payroll. You have provided us a profit and loss statement for the first quarter of 2016. A. Yes, sir. Q. This says that you have $19,229 of payroll. That would represent about five weeks of payroll for a 13 -week span. It also says that you have $1,146 for Workers' Compensation insurance which represents about 6% of the payroll shown on this profit and loss statement. Do you know what the Workers' Comp rate is for irrigation? A. Workers' Comp is based on the weekly payroll and then, at the end of the year, like this year — I had to pay $1,000 to keep it balanced. And it's not an exact number because it's a percentage of the salary. I don't have that number. But it goes from three to four — last year it was $7,000. Q. So ... $4,200 a week of payroll times thirteen weeks is $54,600 but the profit and loss statement shows $19,229 in payroll. Patrick White questioned Sergio Quezada: Q. Did your employees work a full week, every week, during the first quarter of 2016? All seven were fully employed for 40 -hours per week for all three months of the first quarter of 2016? A. No. We have ups and downs — you know, the rainy season — but ... Q. We're talking between January and March of this year. Yes, there were rains ... A. I can say, probably Mondays through Thursdays ... half a day on Fridays sometimes. I would try to give at least 40 hours a week. But I don't have exactly average numbers, you know. But it's probably around 36 or 34 — sometimes 40. Q. You said you have seven employees but it's listed under the heading, "Outside Contractors Payroll," and it has only six employees but it does include you. A. My wife does the paperwork at home, myself as the crew leader, and I have five guys in the field. Q. Your wife is Martha? A. Yes. 15 July 20, 2016 Chairman Lykos noted "Outside Contractors" was an individual line item on the statement and "Payroll" was a separate account. Patrick White: "Outside Contractors" is $2,102. Chairman Lykos: I don't like getting into this much detail. I think whenever a Qualifier is going to qualify a second business, it is critically important that the person asking to qualify the second business has a thorough understanding of the operation of the other business. You operate differently — you pay your payroll differently, you pay your Workers' Comp insurance differently and you have one business that will be doing some of the work that the other business already does. I have always been uncomfortable with that relationship because Mr. Quezada's business is going to be buying irrigation parts and Caribbean will be buying irrigation parts and the invoices are going to come into the office and someone will have to decide if it was really a "Caribbean" expense or was it a "QS Irrigation" expense. You [Mr. and Mrs. Caraza] will have to trust Mr. Quezada to make decisions in Caribbean's best interests — which is, of course, everybody's intention when they start. Mr. Quezada will have to trust you to make decisions that are not in your own self -interests but are in the company's best interests because that's how Mr. Quezada will be compensated. Yet, you don't understand each other's business. I understand that in order to work for the County and for other clients, it's more convenient when Caribbean can offer a collection of services under one roof. But I am uncomfortable that you understand each other's business and understand exactly how this is going to work. I understand y our intentions but if you can't answer questions about how the other does business — and you're going to be relying on each other's expertise, financial management, and business management — how is this relationship going to work? And if it doesn't work, by allowing you to qualify a second entity and if the business fails or the customers suffer, then we are allowing that to happen. Maria Caraza: The idea of doing this together has been because of the years that we have been together as friends, as colleagues, as people who have done business with each other. And we, my husband and I, know the way that he [Sergio Quezada] works, know that he is trustworthy. I wouldn't recommend someone that I do not trust to one of my accounts to do the work — who has the work ethic that I have with the work that I do myself. And that is the reason why we're trying to come together. Because he has the same work ethic. Maybe we run the businesses differently in accounting and other ways but in the work ethic, we're the same. And that's why this was brought up and why we are trying to get together. That's why I want to separate the irrigation part from the business that we currently have. Because everything that is going to go through there has to be approved by the three of us — especially by both of us [Sergio and Maria]. I am the one who takes care of the financial part — more than my husband does. Chairman Lykos: Again, I understand your intention. I reviewed this packet — I reviewed your financials and your monthly bank statements. I know more about your financial statements than you do. You're asking me to allow this business entity to alter the way it does business. But neither of you have reviewed your own financial statements — not only that, but the numbers don't add up. I am not comfortable with this arrangement. You don't understand each other's business and you don't have a good answer for how your arrangement is going to work. I understand your 16 July 20, 2016 intentions and understand that they are good intentions. Do you trust each other enough to just merge your businesses into one business? Patrick White: Mr. Chairman, as I understand it, they want to create a new division under Caribbean. And that the Qualifier for that division is going to be Sergio. That is the relationship and a set of agreements as they have been articulated that I am comfortable with at this point. The things that I would have potential concerns about are ones that are more between the parties than they are relative to any of their customer bases, at least as I understand the potential for harm in the "economy" and the operation of the business. Since they are largely going to be working with commercial and institutional customers as I understand it, and don't appear to have very many individual residential customers, I am very comfortable and less concerned about harm to the consumer. Robert Meister: Let me ask a question and excuse me if this was already answered because I am so thoroughly annoyed with this whole thing — (directed to Maria Caraza) Do you do his books from his other company? Maria Caraza: No, I do not. Robert Meister: Then how the hell are they going to intermingle? Basically, Sergio is going to join the Caraza's company but he still has his own company. So his stuff is separate from their's so I don't know how his pipe is going to be mixed up with their pipe. (laughing) Maria Caraza: That's why I'm trying to explain. Let's say we do a project and this commercial customer of ours .... Robert Meister: I get it. Maria Caraza:... has a project and we need to do this irrigation. Obviously, he's going to go with Pablo. And Pablo and them are going to get to an agreement of the price and whatever needs to be done for that project. Robert Meister: I get it. I am just trying to bring that to light because I don't know if this will turn into an IRS audit or an insurance audit. Maria Caraza: When we get back ... Robert Meister: This is ridiculous. Maria Caraza: ... the gas, the fuel, everything in that will be for those employees ... it has nothing to do with my business and it has nothing to do with his separate business. Robert Meister: I get it. I get it. Vice Chairman Joslin: If you look at the financial statement — the December 31, 2015 financial statement — you are showing a total income ... a gross profit of $475,000 yet your total income is $13,207. Michael Boyd: We have two long-time companies that seem to be financially stable. What they are trying to do is to be legal in how they conduct their business, which I appreciate. I'm going to go off on a limb here — we just approved a license for a guy that owes $30,000 to the IRS — we approved it! He's paying $700 a month — I think because it wasn't verified — at $30,000, he'll never pay that off. I just want to have a vote and approve them. 17 July 20, 2016 Michael Boyd moved to approve Sergio Quezada's Application to Qualify a Second Entity. Patrick White offered a Second in support of the motion. Discussion: Kyle Lantz stated he understood the idea but expressed concern about the financial statements — he agreed the numbers didn't add up. He was most concerned about the payroll expenses — "there's something going on here." Even though both companies have paid their bills and are not in trouble, they are headed down the wrong path. There is a lot of monkey business going on in these financials — either someone made it up one night or there is a lot of conniving going on because there's no damn way you can have that many employees working so many hours and have so little payroll. I understand Workers' Comp insurance is based on the payroll. It leads me to the conclusion — from the appearance on the statement — that the business is not being run the way I would want it to be run, and I'm paying a higher Workers' Comp rate because of businesses that are run like that. Terry Jerulle: He agreed the financials didn't make sense. They are long- time companies and are good people why want to do the right thing — and I agree with that. My only concern is that in my mind, Sergio needs to be financially responsible. I don't have any proof or documentation that he's going to be financially responsible. If I had that, I would vote to approve it. But right now, without having that, I am not going to vote to approve —just based upon that one single fact. Sergio Quezada: Let me explain how we are going to operate. Maybe that will help you. I will help their employees who are working with me already on repairs to be more irrigation. The way we work — if they have a customer who needs irrigation, there is a budget for that job. We buy the materials and install it and then we do the profit. We don't work on a daily basis —it is individual projects. It's probably once a month or twice a month depending on how many customers he can bring. It's easy to control the in and out money. I agree when you say the business report is not clear — I've got to go back to my accounting office and say, "hey!" This is very important. The money we have and I agree with you that is it not clear. I have to fix that. But I don't see money going in different ways because we don't work jobs on a daily basis — its one project or two projects per month. And my support will be for the maintenance that they do in irrigation. That's just my time. Maria Caraza: That's one of the reasons why we want this to go through — so we can get more projects — so we can get that irrigation crew going because right now we can't do that unless we are licensed. Robert Meister: Is there a possibility that we could let them have a six-month probationary license and requiring him to come back with the contract showing that he will have some financial say in the business? Patrick White: I would be happy to agree to amendment of that nature. Michael Boyd: I would agree to amend my motion. 18 July 20, 2016 Patrick White: The form of the motion would be that Sergio Quezada will provide a copy of the employment agreement evidencing his check writing authority for the bank account being separately opened from Caribbean's current account to the Contractors' Licensing Supervisor within thirty days. Michael Boyd: I will agree to that language. Patrick White: The motion is to approve Sergio Quezada's application but grant a probationary license for thirty days requiring them to provide documentation of the agreement between the entities, QS and Caribbean, for the Qualifier as well as copies of documentation evidencing that the Qualifier for Caribbean has check - writing and fiscal control over a newly created account separate from Caribbean's existing account. The documentation will be provided to the Contractors' Licensing Supervisor and he will determine whether or not to forward it to the Board. Chairman Lykos called for a vote on the motion. The vote: 4 — "Yes"/5 — "No. " The motion failed. Hunt, Jerulle, Lantz, Lykos and Joslin were opposed. Maria Caraza asked if the vote meant they could "not get a license at all," Chairman Lykos explained they could not obtain a license under the current application. Patrick White noted the Board needed a motion to deny the application if that was the Board's intention. Chairman Lykos stated one option was the motion to deny the application and the other would be for one of the approving members to propose another motion, differently phrase that might pass. Patrick White asked Terry Jerulle what type of documentation he would need to vote in favor of a motion. Terry Jerulle: Proof that Sergio will be a financially responsible Officer of the company that he is qualifying. Patrick White suggested one of the terms of the employment agreement between Sergio and Caribbean should clearly state that he will have financial control and responsibility over the irrigation division. Chairman Lykos suggested the agreement should be an "operating" agreement. Patrick White asked the parties if they understood the additional requirement that was being proposed. Maria Caraza: What we need is an agreement — the business agreement — that Sergio is going to be part of Caribbean Lawn and also the new bank account — that is what is needed? Patrick White: Correct and showing his signature authority. If we approve this today, you are going to have a relationship where he becomes an owner of the Caribbean corporation and as part of that ownership, he will be a member of your Board of Directors, he may or may not be an officer of the corporation itself. You have indicated he will be the President of the irrigation division of the corporation. Maria Caraza: Yes. Patrick White: In the agreement, there must be specific statements regarding that Sergio has financial responsibility of the corporation — not just the irrigation division. R July 20, 2016 Maria Caraza: Okay. The reason why I haven't added him to the Corporation is because if we don't have the license, there's no reason to add him to the company. Terry Jerulle: The agreement can be contingent. Patrick White moved to approve Sergio Quezada's Application to Qualify a Second Entity on a probationary basis for a thirty -day period The license will become effective upon providing a copy of an operating or employment agreement between the parties which provides for Mr. Quezada to be financially responsible and have fiscal control over the corporation, Caribbean Lawn, and documented evidence provided of signature authority on an account, separate from the existing Caribbean account. The documentation will be delivered to the Contractors' Licensing Office Supervisor who is authorized to lift the probation if he is satisfied with the documentation. If not, the matter will be reviewed by the Board at the next available hearing. Michael Boyd offered a Second in support of the motion. Discussion: • Elle Hunt stated she did not see how the new motion was different from the previous motion that was voted down and requested an explanation. • Patrick White explained there was a specific requirement in the agreement between the parties that provides for Mr. Quezada to have fiscal control and financial responsibility for the corporation. Chairman Lykos called for a vote on the motion. Motion carried: S — "Yes "14 — "No." Hunt, Lantz, Lykos, and Joslin were opposed. Chairman Lykos explained to the parties they had thirty days to provide Ian Jackson with the verification and the proof that the Board has requested. Patrick White confirmed if the Contractors' Licensing Office Supervisor is satisfied with the documentation, the probation will be lifted. If they have not complied within the thirty day period, they will have nothing. He suggested to Maria Caraza that it could be beneficial to take and complete the online financial responsibility course Jason Bridwell had presented. Maria Caraza indicated she had paid attention to Mr. Bridwell and intended to take the course. She stated, "Just to let you know. We've been in business for ten years and he's been in business for a long time also. We're just people trying to make better business." BREAK: 10:45 AM RECONVENED: 11:00 AM D. Jonathan Mosso — Credit Review (d/b/a "K.E.A Tile and Marble, Inc.") Ian Jackson stated Mr. Mosso was applying for a Tile and Marble Contractor's License. His application was referred to the Board due to questions about his credit report, pursuant to Collier County Ordinance, Section 22-184(b). pall July 20, 2016 Chairman Lykos noted Mr. Mosso was required to appear before the Board because his credit score fell below the State's minimum threshold. Patrick White stated Mr. Mosso's FICO score is 507 while the State's minimum is 660. Chairman Lykos: Typically, what we ask of an Applicant is that they understand their credit report and know what has kept them from meeting the minimum requirement. They either have a plan to present to us or they have already implemented a plan to address the negative comments in the credit report. He asked the Applicant if he had reviewed his credit report and understood the negative comments. Mr. Mosso replied, "Yes, I have and yes, I do." Jonathan Mosso explained: • The items presented to him on his credit report were: Snap-On, Summit Financial, and an issue with child support payments. • He fell behind on his payments to Snap-On and returned the tools. He has begun a payment plan with them and has a letter from Snap -on verifying the payment plan. A copy of the letter is in the packet. • The Summit Financial issue was due to a car purchased by his ex-wife in 2006. He has no idea if his ex-wife still has the car. The loan is on his credit report. He stated he has begun a payment plan and has a letter of verification. A copy of the letter is included in the packet. • The child support is up to date. He has signed a written agreement to pay $362.00 per month. He is required to make payments to the Child Support office on the 15th and the 30th of each month. He was unable to obtain a letter from the Child Support office. When asked if the County had a recommendation, Ian Jackson said the County would defer to the Board's discretion. Patrick White asked Mr. Jackson if the County would be uncomfortable with a period of probation and his response was, "no." Patrick White noted the Snap-On "letter" was in the form of an invoice. Jonathan Mosso: That's correct. It was all I was able to get to show that I have started and will continue to make payments — and the same for Summit Financial. Patrick White: The document indicated that of July 8th, there was a total amount due of $4,214.30. Jonathan Mosso: Correct. That was the left -over from when the re -sold all the tools that were returned. I believe it was a short -sale and that's the balance that I am now in the process of paying. Patrick White: Is it "past due?" Jonathan Mosso: I don't know — but that's the amount that the person handling my account told me was what I have to pay. That's the balance that was left after the short sale. When I bought the tools, I was making a $50 a week payment. Patrick White: You have a prior agreement and you are making monthly payments to pay down the $4,214.30. Jonathan Mosso: Correct. 21 July 20, 2016 Patrick White: And you are not currently "past due" on those payments? Jonathan Mosso: No. Patrick White: And is your monthly payment $100? Jonathan Mosso: That is correct. If I can pay more, I can but for now I can do $100 per month — just like with the Summit Financial. Terry Jerulle: What type of tools were they? Jonathan Mosso: They were body shop tools — for auto -body and collision work. Terry Jerulle: They have nothing to do with tile and marble. Jonathan Mosso: No. I was doing the body and collision work from home. It was something that I did on my own. I was looking to get extra side work, but I was helping family and friends more. Patrick White moved to approve Jonathan Mosso's application for a Tile and Marble Contractor's License but on a six-month probationary basis. He is to return to present an updated credit report including providing copies of proof of payments and/or the payment agreements with Snap-On, Summit Financial, and Child Support Office. Vice Chair Joslin offered a Second in support of the motion. Kyle Lantz suggested amending the motion to include that the documentation could be presented to the Contractors' Licensing Office Supervisor who will decide if a hearing before the Board is required. Patrick White stated he would feel more comfortable about amending the motion if it included a provision for the Applicant to take and complete the State's course entitled "Financial Responsibility and Stability for the Contractor," as described by Mr. Bridwell. However, knowing that Mr. Mosso will be making payments for the next three years, he would prefer to hear from him and reviewing his updated credit report in six months. While he appreciated the suggestion, he would not amend his motion. Chairman Lykos called for a vote on the motion as stated by Mr. White. Motion carried, 8 — "Yes 7] — "No. " Mr. Jerulle was opposed. IX. OLD BUSINESS: Note: With reference to the following case heard under Section IX, the individuals who testified were first sworn in by the Attorney for the Board.) A. Michael Belyea — Review of Credit (d/b/a "Mike's Irrigation") Chairman Lykos noted Mr. Belyea was currently on probation and was appearing before the Board for a review of his updated credit report. Michael Belyea stated his goal was to have his credit score, by the end of the year, at the State's minimum, if not better. 22 July 20, 2016 Chairman Lykos confirmed Mr. Belyea's credit score had improved. He requested information concerning the four judgments. Michael Belyea explained: • The American Express amount of $52,000 was incorrect. He challenged it with the help of a credit counselor. The correct amount is $25,227. • The Calvery Port (Wells Fargo) amount was listed as $35,322 but the actual amount is $6,322. He will make payments of $263.42 for the next 12 months. Elle Hunt inquired about the $97,000 judgment in favor of Branch Banking & Trust. Mr. Belyea replied he was in the process of working out an agreement with the Bank. The debt was originally a loan on his home. The property later went into foreclosure when he couldn't make the payments. Chairman Lykos requested a status on the following items: • Springleaf Financial — $725. Mr. Belyea stated he offered $325 to settle the account and is waiting for a response. • Civil Judgment (Naser Mahmoud) — $5,000. He contacted Mr. Mahmoud several times but has not received a response. Mr. Mahmoud owned a clothing store in Immokalee and he also cashed payroll checks. Mr. Belyea did not have funds in his account when some of his employees cashed their checks there. Apparently Mr. Mahmoud is no longer doing business in Immokalee and does not reside in Collier County. • American Express has accepted a payment plan of $1,051.14 per month. • He stated he offered to make monthly payments to Branch Banking & Trust of $50 and is waiting for a response. • He referred to a document he prepared which indicated payment plans with a number of creditors which were not included on his credit report. Chairman Lykos stated he was not prepared to end the probation as long as the civil judgments were still open. Mr. Belyea acknowledged he created this situation and it took him ten years to get into the woods — "I've got to beat the bushes to get out." Vice Chair Joslin noted some of the items were minor amounts (Midland Fund - $180) and asked Mr. Belyea if he could pay those in full. Michael Belyea stated since obtaining his license, he was beginning to see his head above the water. He projected that, at the end of six months, he will meet the State's minimum credit score. He further stated, after meeting with a credit counselor, he and his family moved into a less expensive apartment, at a saving of $200 per month. Chairman Lykos directed his question to Ian Jackson: Q. If Mr. Belyea's credit score meets the State's minimum but there are still civil judgments open, would he still be required to appear before the Board? A. The County's Ordinance references the Florida Administrative Code for issues concerning financial responsibility. I look at the number as well as the credit 23 July 20, 2016 report. Someone could have a high FICO but items on the credit report might still necessitate an appearance before the Board. Kyle Lantz noted Mr. Belyea certainly dug himself into a big hole, but was impressed by the improved credit score. He stated Mr. Belyea had made "incredible strides" in a six-month period despite the open civil judgments. Vice Chair Joslin stated it would have been good if Mr. Belyea had paid the civil judgment of $725 in full. He stated civil judgments are very detrimental to an individual's credit rating. Vice Chairman Joslin moved to extend Michael Belyea's probation by an additional six months. At that time, he is to return to the Board and provide an updated credit as well as verification of payment of the $725 civil judgment to Springleaf Financial or documentation of a payment arrangement and payment of the smaller debts currently listed on his credit report. Gary McNally offered a Second in support of the motion. Motion carried, 8 — "Yes "I] — "No. " Terry Jerulle was opposed. Vice Chair Joslin summarized the terms of the motion for Mr. Belyea: • He will remain on probation for an additional six months; • At the end of the term, he provide an updated credit report for the Board's review; • He will pay the Springleaf Financial civil judgment ($725) in full; • He will pay in full as many payments as possible of the smaller items listed on his current credit report. X. PUBLIC HEARINGS: Note: With reference to the following case heard under Section X, the individuals who testified were first sworn in by the Attorney for the Board.) A. Case #2016-03: Board of County Commissioners vs. Roger L. Rutter, d/b/a "RL Tile & Marble, LLC." (LCC 201500002076) Chairman Thomas Lykos summarized the order of the proceedings to be followed during the Public Hearing: • The Hearings of the Complaint shall be open to the public and will be conducted pursuant to the procedures contained in Collier County Ordinance, Section 22-202, as amended, and Florida Statutes, Chapter 49; • The Hearings are quasi-judicial in nature and formal Rules of Evidence shall not apply. Fundamental fairness and due process shall be observed and shall govern the proceedings; • The proceedings will be recorded and may be transcribed; • Each case shall be presented by the County Attorney or a member of the County's Staff, 24 July 20, 2016 • Irrelevant, immaterial, and/or cumulative material shall be excluded. All other evidence of the type commonly relied upon by a reasonably prudent person shall be admissible; • Hearsay evidence may be used for the purpose of supplementing or explaining any evidence but shall not be deemed sufficient, by itself, to support a Finding unless the hearsay would be admissible over objection(s) in a civil action in a Court; • Any member of the Contractors' Licensing Board may question any witness before the Board. • Each party to the proceeding shall have the right to call or examine witnesses; to introduce exhibits; to cross-examine witnesses; to impeach any witness regardless of which party called the witness to testify; and to rebut any evidence presented against the party. • The Chair (or Vice Chair) shall have all power necessary to conduct the proceedings of the Hearing in a full, fair, and impartial manor to preserve order and decorum; • The County will present an "Opening Statement," then the Respondent will present his/her "Opening Statement." The County will present its "Case in Chief' and after the County has closed its "Case in Chief," the Respondent may present his/her defense to the County's charges. After the County's rebuttal is concluded, each party is allowed to present a "Closing Statement." • The Board will close the Public Hearing and begin its deliberations. • The Board's attorney shall give a Charge to the Board setting out the parameters upon which the decision will be based. • The Board will decide whether the Respondent is guilty of the offense as charged in the Administrative Complaint and, if guilty, the Sanctions to be imposed. • At the conclusion of the Hearing, the Contractors' Licensing Board shall issue Findings of Fact, based on the evidence of record, and Conclusions of Law and may impose disciplinary Sanctions if warranted; • The Board will discuss the Sanctions and then vote. • The Chairman will orally report the decision of the Board which will subsequently be rendered in writing to become the official Order of the Board. Chairman Lykos opened the Public Hearing. Vice Chairman Joslin moved to approve entering into evidence the County's information packet in Case #2016-03 — The Board of County Commissioners vs. Roger L. Rutter, Respondent, d/b/a "RL Tile & Marble, LLC. " (License #2015-00002076). Patrick White offered a Second in support of the motion but amended it to include the two items distributed by the County, i.e., Tile One, Inc. — Scope of Work (2 pages), and Abbey Carpet of Naples' Estimate (2 pages). Vice Chair Joslin accepted the amended language. Carried unanimously, 9 — 0. 25 July 20, 2016 Chairman Lykos asked the Respondent if he objected to the information packet being entered into evidence and his reply was "no," but he indicated he "had a problem" with the Abbey Carpet estimate. Attorney James Morey, the Board's attorney, suggested the packet, including the estimate, should be allowed into evidence and Mr. Rutter would have an opportunity to discuss and challenge the estimate during his defense. Chairman Lykos asked the Respondent if he objected to admitting the estimate as a whole or only to certain information contained in it. Mr. Rutter stated it was the information. Chairman Lykos confirmed the estimate would be admitted into evidence. When asked if he understood the process, the Respondent replied, "not really." Chairman Lykos explained: • The County will give an "Opening Statement" of what it is trying to accomplish today. • You will be given an opportunity to provide an "Opening Statement" in defense of the charges. • The County will provide its evidence to convince the Board that its case is legitimate. • You will be able to rebut the County's evidence and present any evidence of your own. • Both the County and you will be allowed to provide a "Closing Statement." • The County can rebut your "Closing Statement" if it chooses. • The Public Hearing will be closed and the Board will discuss whether or not you are guilty of the charge and, if guilty, what Sanctions should be imposed against you. • During the process, the Board members can question the County and its witnesses, and can also question you and your witnesses. Chairman Lykos concluded by advising the Respondent if he didn't understand, he could ask questions. Joseph Nourse, Licensing Compliance Officer, presented the County's "Opening Statement:" • The County is prepared to show through documented facts and sworn testimony that the Respondent violated County Ordinance #95-05, as amended, Section 22-201.10, by failing to promptly correct faulty workmanship associated with a tile installation at 2033 Castle Garden Lane, Naples, FL, for the homeowners Mr. and Mrs. Hauck. The Respondent was asked to present his "Opening Statement:" • His son made an agreement with Mr. Hauck on doing a job; • When the tile was delivered, some of the tiles were warped. • The tile was 3 -feet long and six inches wide. He stated the longer the tile, the worse it is." • The owner instructed the Respondent's son to install the tile even though some pieces were warped. FSO July 20, 2016 • His son installed the tile but the Respondent helped him during the last week of the installation. • His son was not present at the Hearing. Chairman Lykos summarized: The Respondent's defense was that he was not guilty of poor workmanship because the tile was installed as directed by the homeowner. Respondent: He [Mr. Hauck] said to go ahead and install it. He stated maybe his son could have worked with it a little more and made the job a little better, but it's "really hard when the tile is warped." Joseph Nourse, Licensing Compliance Officer, described the various Exhibits contained in the information packet. He pointed out Page E-15 which outlined the explanation of the charge, "Failure to promptly correct faulty workmanship." The photographs of the tile flooring began on Page E-16 through E-48. He noted the tile in front of the stove presented a serious trip hazard. Kyle Lantz asked how the County determined whether a tile was either acceptable or unacceptable. Joseph Nourse: If the height difference was greater than 1/8 of an inch, or if we ran a hand across the the and it hit a sharp edge. Kyle Lantz: How did you come up with the number, 1/8 of an inch? Joseph Nourse: Just ball -parked it. Vice Chair Joslin asked if there was a minimum tolerance accepted by the industry. Kyle Lantz: • There are ANSI tile installation standards; • There is one for minimum deflection for tile which varies depending on the length of the tile; • The other tolerance for installation considers the width of the grout joint — different grout joint widths have a different tolerance for lippage. You add the two differences to obtain what is considered to be "acceptable." • He stated he questioned how members of the County Staff became authorities concerning what is considered to be acceptable within the tile industry. • He explained the industry standard is a dime, i.e., if you can put a dime down and the tile is below the height of a dime, it is considered to be "good." Officer Rouse continued: • Pages E-38 through E-48 are photos of the home after Mr. Rutter committed to correcting the faulty workmanship. The tile flooring was removed from the entire home. The photos show removal of the installed tile that was faulty and reflects the current state of the home. • He referenced his "Case Detail Report" which was contained on Pages E-11 through E-14. Highlights areas follows: o The initial complaint was received on February 22, 2016. o Met with the Respondent on March 15, 2016. o March 18, 2016: Met at the site. The homeowners, the Respondent, Jason Bridwell, and I were present. 27 July 20, 2016 o March 18, 2016: The flooring was inspected by all parties and a determination of faulty workmanship was made. The Respondent agreed the installation was faulty. o March 30, 2016: Met at the site. The homeowners, the Respondent, Jason Bridwell, and I were present. Mr. Bridwell marked the unacceptable floor tiles. The Respondent agreed the marked tiles needed to be corrected but stated all of the tiles should be removed and replaced. He stated he would contact his insurance company to try to obtain a settlement for the homeowners. o April 15, 2016: The Respondent's insurance company rejected the claim, stating he was liable for the faulty workmanship. The homeowners were to decide if they would allow the Respondent correct the faulty installation. o April 25, 2016: The Respondent was contacted and asked when he could start correcting the tile installation. The Respondent replied he could begin on either May 3`d or May 4th. o May 5, 2016: Met the homeowners at the site. The Respondent failed to show and was not answering his telephone. o May 6, 2016: Met with the Respondent at the Contractors' Licensing Office and issued a Notice of Order to Correct Faulty Workmanship and a Notice of Hearing. Documents were signed for by the Respondent. o May 11, 2016: Respondent began removing the floor tiles. o May 31, 2016: Homeowners called, stating the tile has been removed and they had waited two weeks for the Respondent to return to complete the job. When contacted, the Respondent stated he did not have the funds necessary to order the replacement materials. o June 1, 2016: Received a phone message from the Respondent. He was still unable to order the materials due to lack of funds. He stated he hoped he would have the money in approximately two weeks. o June 2, 2016: Met at the site. The homeowners were present and photographs of the home were taken. o June 15, 2016: Contacted the Respondent who stated he did not have the funds to order the materials. Contacted the property owners and informed them. o To date, no correction action has taken place. Elle Hunt noticed a discrepancy in the February 22nd comments and asked if the square footage of the home was 13,000 square feet. Joseph Nourse replied the correct figure was approximately 1,300 square feet. Elle Hunt asked if the homeowners made a decision on March 28th, as noted in the March 18th comments, and asked what was their decision. Mr. Nourse stated their decision was to "move forward" but were undecided whether to allow the Respondent to correct the tile flooring. They eventually decided to allow the Respondent to make the corrections. Vice Chair Joslin questioned Exhibits E-8 through E-10 and asked for an explanation. 28 July 20, 2016 Officer Nourse stated it was the "contract" between the homeowners and RL Tile & Marble. E-9 was, essentially, a register of payments made. Each entry was initialed by Mr. Rutter's son, "Lee," indicating acceptance of the payment. Terry Jerulle requested confirmation that RL Tile & Marble was hired to furnish and install the tile, and Officer Nourse's response was, "Yes." Roger Rutter stated he son was asked to obtain the tile for the homeowners because it was cheaper for him to buy it. "We didn't make no money on the tile." Patrick White reiterated Lee Rutter was able to purchase the tile at a wholesale price and saved the homeowners the difference between what they would have paid at a tile store and the discounted price offered to tile contractors. A. Yes. Chairman Lykos asked the Board if they had any other questions for the County. There were none. Ian Jackson questioned the Respondent: Q. On March 18th at the onsite meeting with you, Jason Bridwell, the homeowners, and Officer Nourse, did you agree to attempt to correct the faulty workmanship in a timely manner? Is that accurate? A. That's accurate. Michael Boyd noted the job was completed in December (Exhibit E-9) but the County did not receive a complaint until February? Officer Nourse: Yes, sir. Michael Boyd: Do you know if the homeowners tried to contact the Respondent to try to work it out? A. I do not know. Patrick White: Do you know if the home was occupied by the owners during that time period? Officer Nourse: Yes, it was. Chairman Lykos asked the Respondent to present his "Case in Chief." Roger Rutter: Yes, there is some faulty work there. We agreed to bring up the edges as much as possible to meet. But, like I said earlier, with three-foot long tile that was warped and everything ... now I find out they have a deal or clips or something that brings it up. But my problem with that is it would be hollow underneath it. My son did show them that it was warped and they even showed Joe that it was warped. If I had been there from the word "go," I guess maybe I would have just walked off. I don't know that I would have but ... Vice Chairman Joslin questioned the Respondent: Q. Does your son work with you all the time? A. Yes. Q. Did he set the tile? A. Yes. Q. Does he work with you all the time? wt July 20, 2016 A. Well, he does it mostly all the time — I don't do it much anymore. Q. Does he do it by himself? A. Yes. He's been working with me ever since he was fourteen years old. He's forty-four now. Chairman Lykos questioned the Respondent: Q. You said earlier that your son explained to the homeowners that the tile was warped. A. Yes. Q. Do you know if your son explained the consequences of installing the tile to the homeowners? A. Yes, he said he did. And another thing ... even he up there [indicating Kyle Lantz] said the grout joint does determine some things ... they should have been a little wider and the grout would have took and made it smoother. Q. Do you know if your son got anything in writing from the homeowners acknowledging the condition of the tile? A. (response was not audible) Terry Jerulle questioned the Respondent: Q. Why didn't he take the tile back? A. The customer said to put it in. Q. In my experience ... A. He should have ... yes. Q. ... with ceramic tile is that some pieces are warped more than others, some are perfectly fine. You call out the ones that are bad, you take them back and get new tiles. A. He would have had to take the whole 1,300 and some odd square feet back. Q. Then you take it all back. A. That's what should have been done — you're right. But, then again, Mr. Hauck said to go ahead and put it in. Q. As a contractor with a license, it's up to you to take the material and do it so that it's not faulty. A. Right. Q. You are in this position now because you installed material that was faulty. A. Yes, sir. Kyle Lantz questioned the Respondent: Q. How did you break the joints? A. It was supposed to look like wood, so we just go off ... Q. Did you do random breaks? Did you do thirds or halves? A. Thirds and random ... random, more. Q. I heard you mention that you have heard about the clip system. You are not the first person who has come before this Board because of problem that they've had with plank tile. Plank tile is very difficult to work with. It is not for the inexperienced tile setter. A lot of people have gone to the clip system which adds a lot of money — you will spend $2 to $3 per square foot just buying clips. There is an argument about the void underneath it. A lot of the old-timers refuse to use the clips. I've seen jobs with and without the clips. 1 30 July 20, 2016 use the clips because you can get a smooth floor and it will bend the tile out. It has burned an awful lot of tile installers in this area. If you want to get paid, you might want to think about buying into the clip system. A. If I never put another plank one in, that would be fine with me. Chairman Lykos asked the Respondent when he obtained his tile license. A. In Collier County --- last year. Q. Were you licensed in any other County? A. I have a license in Lee County. Q. Is your office in Lee County and you are doing work in Collier County? A. Yes. Well, now we are since we got licensed. Q. And you don't have a written contract with the client? A. No, sir, he did not have a written contract. Q. Do you have a copy of the same packet that the Board has — all the documents that are in this packet? A. All except for the pictures and that's in my van. Q. There are some documents in here that are supposed to imply a contract. There are some dates written — on 11/07, money was paid. On 11/05, a drawing was done and other money was paid and there were some initials. A Yeah, they're my son's initials. Q. Can you give us any more of a definitive date of when an agreement was made? A. No, sir, because I wasn't there. And, like I said, I hadn't been doing work hardly any ... just some maybe on the weekends because I'm kind of, hopefully, retired and have to go back and make a little bit of money here and there. But as far as the initial contract, no, sir, I don't know. Q. On Page E-10, there is a small drawing which says "$1,300 paid in cash," there's an initial and it's dated 11/5/15. Do you know whose initials those are? A. My son's. Q. And do you know — is this related to the agreement with the homeowners or do you know what this is for? A. Yes, this is what they had. Yes. Q. This is what who had? A. This is what Joe showed me at the office where Mr. Hauck had all the paperwork — he had my son sign it each time he gave him money. Chairman Lykos questioned Licensing Compliance Officer Joseph Nourse: Q. Joe, can you explain a bit better what these documents are? A. This particular document, E-10, as it was explained tome ... they drew out on the piece of paper how the tile was to be laid and the down -payment ($1,300). Q. So this is the first payment? A. Yes. Patrick White questioned Licensing Compliance Officer Joseph Nourse: Q. Is it fair to say there was a contract between the parties on November 5, 2015? A. Yes. Q. And when was the license issued? 31 July 20, 2016 Chairman Lykos responded: November 6, 2015. Patrick White: It is not one of the "counts" in the Complaint but it is a concern. Chairman Lykos: The concern is what happens when you have a contract with an unlicensed contractor? Vice Chair Joslin: There is no contract. Chairman Lykos: There is no contract. Elle Hunt: To clarify — he was not a licensed contractor on November 5th? Chairman Lykos: Correct. The contract is unenforceable. Elle Hunt: By us. Chairman Lykos: By the unlicensed contractor. Vice Chair Joslin: So when does our jurisdiction start because, technically, he is an unlicensed contractor and we're trying to enforce the contract he made ... Attorney Morey: That is not one of the counts presented by the County today. Chairman Lykos: We understand that but what is our jurisdiction if the contract is with an unlicensed contractor ... ? Patrick White: ... where the contracting party — the homeowner — is seeking to enforce it. We're now looking to enforce it against a licensed contractor. He is under our jurisdiction. Kyle Lantz: It is only unenforceable by the unlicensed party, so if he were to file a lien or go after the homeowners for money ... Chairman Lykos: But I think it's enforceable from the homeowners point -- civilly -- but not with the Licensing Board because the "contract" is with an unlicensed contractor. That's why — what's our jurisdiction if the contract was signed before there was a license? The contract can be upheld in a Civil court — it can't from the builder's side or from the contractor's side ... but it can be from the homeowner's side. What is our jurisdiction if the agreement was made prior to there being a license? Attorney Morey: It's a good question. It seems to me — I'll weigh in and the County is certainly allowed to weigh in also — the gentleman was a licensed contractor when the work was ultimately performed. He was a licensed contractor, he accepted money, did the work, and then a complaint was issued against him as a licensed contract. I believe the Board has jurisdiction over the Administrative Complaint. But I will certainly allow the County to weigh in. Assistant County Attorney Kevin Noell: I will, of course, defer to the Board's attorney to give legal advice to the Board. It is the County's position, though, concerning E-10 — I don't know the extent that would make it a binding contract but certainly when the work was performed and the germane facts that give rise to why we are here today — that was performed when he was licensed. From a Staff position, we have no issue with it being before the Board. Vice Chair Joslin: From the other side of the coin, though, we have another entry on Exhibit E-9 that shows a date of November 7 when $9,000 was paid in cash for tile. Because he bought tile for the homeowner, does not indicate there was a contract — he just purchased tile someplace. Attorney Morey: And he was a licensed contractor at that time and at the time the work was done, and the time when the complaint was made. I believe the Board has jurisdiction. 32 July 20, 2016 Terry Jerulle questioned the Respondent: Q. Why is your son not here today? A. He is working. Q. He is a co-owner in the company. He performed this work. A. Yes. Q. It's a major problem for your company. A. Yes. But I was told since I was the license holder that I was the one who was supposed to be here. Chairman Lykos concurred: That's true — you need to be here. It wouldn't do any good if your son was here and you weren't. Roger Rutter: Yes, sir. Terry Jerulle: But it would have really helped if your son was here. Roger Rutter: Was here, too. Chairman Lykos: We can't ask you questions about what — if he were here to testify, he could answer questions about what was discussed with the home owners, what agreements they might have had — but we don't have him here to testify on your behalf. Roger Rutter: Yes, sir. Kyle Lantz questioned the Respondent: Q. I am just curious as to what your position is from here forward. The County has stated that they feel you are guilty of failing to properly correct faulty workmanship. You have enlightened us and given us more of the history of that project, but (a) do you feel that you've done faulty workmanship; and (b) do you feel that you didn't correct it? I want to know what you feel — to hear what you want us to think your side is, i.e.., you didn't do anything wrong and bent over backwards by tearing the tile up to help them out or ... A. Really, they are pleasant people. The week I was there with my son, we joked around and everybody was happy, and all. I feel that a lot of it is due to the tile but — like you said — I should have sent it back or my son should have sent it back. There were some issues there that I think could have been better — on the corners if I could have got it up using the clip thing. But they didn't say anything to us about the clip deal where we bought the tile. I've always just used the Thinset mud (mortar) to put the tile in. I've been working at this since I was 19 years old and this is the first time I've had to come in front of anybody. It puzzles me. Terry Jerulle questioned the Respondent: Q. In addition to what Kyle said, what are you going to do about it? You are refusing to go back A. I don't have money to buy the material with and I don't feel like ... if they get the same material, I afraid it's going to do the same thing. And, of course, using the clips like he said, adds a lot of money to the job. I don't know if it would be any better because of the void that's going to be up underneath and then they're going to hear the hollow, and will want you to come back and fix the hollow. 33 July 20, 2016 Kyle Lantz questioned the Respondent: Q. So where do you want to go from here? In a perfect world and you were the decision -maker, where do you want to go from here? A. I can't do nothing — I don't have the funds to furnish the materials. I would do the work but I don't have no funds. 1, myself, I live off my Social Security. But that's neither here nor there, except I don't have funds to do anything else. Chairman Lykos: Is there anything else you want to say about your position on this so we can move this along? Roger Rutter: No, sir. I mean — they showed Joe also just how the tile was — I mean, that's all I can say. I don't know no more. Audrey Hauck testified as a witness for the County: • Mr. Rutter's son, Lee, said he didn't make a contract; • He just rattled off and I wrote down what he would do and how much he would charge; • After he started the job, he said — to begin with — that he doesn't do the clip system; • He said it was a 16th of an inch that he made the grout and I wasn't too happy about that but then as he started the job — and the job was pretty much ... maybe half -way through our family room ... we were saying about how the tiles were lifted, and he said, "well, they should have shown you when you bought the tile that it would lift a little bit." It wasn't a whole lot. • But he also didn't use a certain kind of a base so that the tile would lay flat. And the clip system would have brought it in better. • We bought the tile from Abbey Carpet and they were very upset. In fact, they even came and looked at the tile and said it should not have been. Joseph Nourse questioned the witness: Q. At what point did Mr. Rutter's son show you that the tiles were uneven? A. I would say he was at least half -way through the family room. Q. Half -way through? A. Yes. I would say just about half -way through. William Hauck testified as a witness for the County: • He had started from the lanai side in the family room and he had three rows of tile done. He was staggering them. And I said to him, "They're kind of like this [indicating uneven]." • And he was kneeling on the tiles that he had just put down. He picked up two pieces of tile, turned them face to face, and held one tight and it was just a smidge on the other end of the face tile. He said, "See this — that's why it's like that." • And I said, "That little tiny bit?" It's nothing, you know." • But he went on and did the whole house that way. 34 July 20, 2016 Joseph Nourse questioned the witness: Q. When he continued to lay the rest of the tile in the house, did he continue to work off the tile that he just laid — the wet tile? A. He did when he first started because there was a step. Q. And that was in the living room area? A. The family room by the fireplace. Q. Where the tile was really bad? A. That's where he first started — in that corner. Audrey Hauck: • The first week, he worked by himself. His father didn't come to help him until the second week. Exhibit E-26 — a photograph of the flooring — was referenced. Vice Chair Joslin questioned the witnesses: Q. And the tiles you were speaking of were against the sliding doors? A. Yes. Q. You said he laid two or three pieces of tile — rows — that doesn't depict that area I am seeing that is really indented. Joseph Nourse questioned William Hauck: Q. Did you tell him to keep going and keep laying the tile after ... ? A. He said it would be fine. We never told him to keep going, never. Q. Did you ever tell him to stop? A. We asked him a couple of times about how it was all going to even out — like through the hallway going out to the garage. If you didn't have a pair of shoes on, you would have cut the bottom of your feet — that's how bad it was going out to the garage. The rest of the house was the same way. And he just kept right on going. Q. Have you ever tripped or ... ? A. Oh, God, yeah. And we knew it was there. In fact, one of our neighbors who had work done by the son — two doors away — the day after we had a Christmas party at our house, she came over and said she was embarrassed to ask us this but what's wrong with your tile? I said it was the way he did it. And he even messed up her tile job also. Chairman Lykos questioned the witnesses: Q. The job was done in December. It looks like you paid for everything on or about December 1Ith but you didn't call to file a complaint until February. A. We did call them and they kept saying, "we'll come down," but they never called or came back. Q. Okay. Thank you for that clarification. When you say you called "them," did you mean Mr. Rutter and his son? A. We called Lee. Q. He would tell you he was coming down and didn't? A. Right. 35 July 20, 2016 Q. What prompted you to call the County? A. We couldn't get anywhere with them. Vice Chair Joslin questioned the witnesses: Q. When you paid the son, did you make cash payments every time? A. Yes. Q. No checks? A. No. Q. You paid $22,000 in cash? A. Yes. Patrick White questioned William Hauck: Q. Are you familiar with the two additional proposals that were handed out today for work by other ... ? A. Yes. Q. Is the tile the same? A. Yes. Q. The same as what was originally installed and then removed? A. Yes. I have one box that they left — he only showed us from that box when he first started the job and the difference is just a tiny bit —a whisper. We told him ... if you would stand there and look out to the slider, it looked like the Gulf ... the whole house was that way ... at the ends and the centers. They tried to get somebody new to install the new tile and they didn't want to get involved with them either. Davis Tile. They kept telling us someone else would do it. They [Davis Tile] never came around or heard anything about it. Then we ripped the tile up. And they got their license, I think, two days before they started the job. He showed me a piece of paper that he had a license and insurance. Terry Jerulle questioned the witnesses: Q. Do you recall how much you paid him for just the tile? A. I believe it was the largest amount that was there. Q. $9,050? A. Yes. Q. How did you find RL Tile? A. He was recommended to us by another person in our neighborhood. Q. Who had used them? A. Yes. Q. For you in the future, make sure you use a licensed and insured contractor. Make sure you ask to see the insurance and make sure you ask for a contract in writing. And I wouldn't pay in cash. I would pay with a check to document it. Elle Hunt questioned the witnesses concerning the name/description of the tile initially purchased from Abbey Tile, i.e., company name/style/color. William Hauck noted there were approximately four bundles of left -over tiles that Lee took and tried to sell back to Abbey Carpet. He said, "I paid for those 36 July 20, 2016 tiles and I didn't get any money back." Roger Rutter claimed the tiles were damaged and they went "straight to the dump." The Respondent was asked if he had any questions for the Witnesses and he said he did not. Joseph Nourse presented the County's "Closing Statement:" • The County has shown through documented facts, photographs, and sworn testimony, as well as the Respondent's admission, that the Respondent, Roger L. Rutter, violated County Ordinance #90-105, as amended, Section 22-201(10), by failing to promptly correct faulty workmanship associated with the installation of time at 2033 Castle Garden Lane, Naples, FL, for the homeowners William and Audrey Hauck. Roger Rutter presented his "Closing Statement:" • I just know that the tile didn't go nowhere but to the dump —the tile they were talking about that did break when he was jack -hammering it up. We made no money on that stuff. • When asked about the the that was returned to Abbey Carpet, he replied, "I don't know nothing about that. The stuff that we took off is up in Port Charlotte in the dump." Vice Chairman Joslin moved to approve closing the Public Hearing. Terry Jerulle offered a Second in support of the motion. Carried unanimously, 9 — 0. Attorney Morey: As you enter into your deliberations in the First Phase, the Board shall ascertain that: • Fundamental fairness and due process were accorded to the Respondent; • The formal Rules of Evidence shall not apply; • The Board will consider solely the evidence presented at the Hearing in its deliberation on the matter; • The Board shall exclude from its deliberation irrelevant, immaterial, and cumulative testimony; • The Board shall admit and consider all other evidence of the type commonly relied upon by reasonably prudent persons, whether or not the evidence so admitted would be admissible in a Court of law. • Hearsay evidence may be used explain or supplement any other evidence but hearsay, by itself, is not sufficient to support a Finding unless such hearsay would be admissible over objection in a civil action in Court. • The standard of proof in actions where the Respondent may lose his/her privileges to practice his/her profession is that the evidence presented by the Complainant must prove the Complainant's case in a clear and convincing • The burden of proof on the Complainant is a larger burden than the preponderance of the evidence standard set in civil cases. 37 July 20, 2016 • The standard of evidence is to be weighed solely as to the charges set out in the Complaint. The only charges the Board may decide upon are the ones for which the Respondent has had an opportunity to prepare a defense. • The damages awarded by the Board must be directly related to the charges. • The decision made by the Board must be stated orally at the Hearing and is effective upon being read unless the Board orders otherwise. • The Respondent, if found guilty, has certain appeal rights to the Contractors' Licensing Board, the Court, the State of Florida's Construction Industry Licensing Board ("CILB") if applicable, pursuant to Florida Statutes and the Florida Administrative Code. • The Board shall vote upon the evidence presented in all areas and, if the Respondent is found in violation, shall adopt the Administrative Complaint. • The Board shall also make Findings of Fact and Conclusion of Law in support of the charges set out in the Complaint. Chairman Lykos: The first question before the Board is the question of guilt or innocence with regard to the charge. There is just one Count. Patrick White moved to approve finding the Respondent, Roger L. Rutter, d/b/a "RL Tile & Marble, LLC (#201500002076) was guilty as charged in Court I of the Administrative Complain in Case #3016-03. Terry Jerulle offered a Second in support of the motion. Carried unanimously, 9 — 0. Attorney Morey advised the Board of possible Sanctions that it may impose, either alone or in combination, if it found there was misconduct on the part of the Respondent: 1) Revocation of a Collier County (or City) Certificate of Competency, 2) Suspension of a Collier County (or City) Certificate of Competency, 3) Denial of the issuance or renewal of a Collier County (or City) Certificate of Competency, 4) Imposition of a period of probation, not to exceed two years in length, during which time the Contractor's contracting activity shall be under the supervision of the Collier County Contractors' Licensing Board, and/or participation duly accredited program of continuing education directly related to the contracting activities. Any period of probation or continuing education may be revoked for cause; 5) Restitution; 6) Imposition of a fine not to exceed $5,000, 7) Issuance of a public reprimand, 8) Require re-examination of applicable tests related to the contracting activities; 9) Denial of the issuance of Collier County or City building permits or requiring the issuance of such permits with specific conditions, and 10) Recovery of reasonable investigative and legal costs incurred by the County for the prosecution of the violation. 38 July 20, 2016 He further advised when imposing any of the possible Sanctions on a Contractor, the Contractors' Licensing Board may consider all the evidence presented during the Public Hearing as well as: 1) The gravity of the violation; 2) The impact of the violation on Public Health/Safety or Welfare; 3) Any actions taken by the violator to correct the violation(s); 4) Any previous violations committed by the violator, and 5) Any other evidence presented at the Hearing by the parties relevant to the Sanction(s) appropriate for the case, given the nature of the violation(s) or the violator. Chairman Lykos asked if the County had a recommendation. Ian Jackson: • Restitution to the homeowners; • He explained the Board should only consider the second page of the Abbey Carpet estimate because the first page included items such as the Proflex 40 for crack suppression which were not part of the original contract between the parties. The figure to be used is $17,792. • The total amount paid by the homeowners to Mr. Rutter -- $21,565.00 — and subtract the flooring removing (1,345 square feet @ $ .90/square foot), the amount to be reimbursed from the original contract price is $20,354.50 • County's administrative cost: $500 • He will defer to the Board for any civil penalty. Chairman Lykos noted the Board can order restitution but has no control over whether payment is made without some consequences. Attorney Morey noted the Board could have made a recommendation to the State's Construction Industry Licensing Board ("CILB") if the Respondent was a State -certified Contractor. The Board can order publication of a public reprimand of a Contractor There was a discussion of how the County determined the amount of restitution, $20,354.50. Assistant County Attorney Kevin Noelle explained the calculations. The square footage included both bathrooms and well as the interior rooms of the home. Chairman White stated the Respondent testified he cannot afford to pay anything to the homeowners. Patrick White: It seems clear to me that if the Board orders restitution and it is not paid, and we impose a further Sanction and it is not timely paid, the license will be suspended and then revokes. The likelihood is that they will conclude doing business in Collier County. The homeowners will be no better off for having gone through the process. We don't know if the homeowners will accept installation of the same tile with the clip system by the same contractors. There was no testimony by the Contractor that they would be willing to do the work if somehow the cost of the tile could be absorbed or spread over time. Chairman Lykos stated he liked the idea that the contractor would no longer be able to work in Collier County. If he does work in Lee County, he will have an 39 July 20, 2016 opportunity to earn money to use for restitution. There was further discussion concerning incentive and the contractor's ability to pay, or the ability to install the tile using the clip system, and other options open to the homeowners to obtain restitution, i.e., remedies through Civil court. Ian Jackson confirmed that Mr. Rutter's license is at stake. Discussion ensued and the following points were highlighted: • The County could lien only for unpaid Citations. • A fine imposed by the Board could not become a lien against the Respondent's property. • The Board's Order could be the basis for a suit in Civil Court by the homeowners. Chairman Lykos recommended: • Restitution to the homeowners to be paid in thirty days; • Reimbursement to the County for administrative costs — $500 — to be paid in thirty days; • A public reprimand; • The Respondent's license is suspended for thirty days. • After thirty days, the license will remain suspended until all payments are made. Kyle Lantz moved to approve imposing the following Sanctions on Roger L. Rutter, License #201500002076, • Effective immediately, the Respondent is on probation for the period of one year; • He is to pay the County's administrative costs in the sum of $500 within thirty days; • If payment of the administrative costs is not made within 30 days, the Respondent's license will be suspended. • He is to pay the sum of $17,792.50 to the homeowners within thirty days and if he does not pay within thirty days, the Respondent's license will be suspended. • There will be a public reprimand and the Respondent will be charged for the publication costs. Patrick White offered a Second in support of the motion. Carried unanimously, 9 — 0. Chairman Lykos outlined the Board's Order: This Cause came on for Public Hearing before the Contractors' Licensing Board on July 20, 2016 for consideration of the Administrative Complaint in Case #2016-03 — Board of County Commissioners vs. Roger L. Ruter, d/b/a RL Tile & Marble, LLC (C #201500002076). Service of the Complaint was made in accordance with Collier County Ordinance #90-105, as amended. 40 July 20, 2016 The Board, at this Hearing, having heard testimony under oath, received evidence, and heard arguments respective to all appropriate matters, and thereupon issued its Findings of Facts and Conclusions of Law as follows. Findin,es of Fact: • The Respondent, Roger L. Rutter, d/b/a/ RL Tile & Marble, LLC, is the holder of record of Collier County Certificate of Competency Number 201500002076 (Tile & Marble Installer). • The Board of County Commissioners, Collier County, Florida, Contractors' Licensing Board is the Petitioner (Complainant) in this matter. • The Board has jurisdiction of the person of the Respondent. • Respondent, Roger L. Rutter, was present at the Public Hearing held on July 20, 2016 and was not represented by Counsel at said Hearing. • All notices required by Collier County Ordinance 90-105, as amended, had been properly issued and were personally delivered. • Based on the evidence presented, the Respondent acted in a manner that is in violation of Collier County Ordinances and is the one who committed the act. • The following Allegations of Fact set forth in Administrative Complaint were found to be supported by the evidence presented at the Hearing: o Count I: Collier County Ordinance #90-105, as amended, Section 22-201(10) states: "Failing to promptly correct faulty workmanship or promptly replace faulty materials installed contrary to the provisions of the construction contract. Faulty workmanship means work that is not commenced, not continued, or not completed in accordance with all specifications of the applicable written agreement. Faulty workmanship includes any material flaw(s) in the quality and/or quantity of the unfinished or finished work product, including any item that does not function properly as a part of the entire project. If there is no written agreement provision regarding the specific faulty workmanship issue, faulty workmanship exists if the work, process, product or part thereof does not meet generally accepted standards in Collier County in relation to the entire project. Faulty workmanship does not include matters of esthetics unless the esthetically related item clearly violates a written contract specification directly related thereto." Conclusions of Law: o The Conclusions of Law alleged and set forth in the Administrative Complaint as to Count I was approved, adopted and incorporated herein, to wit: The Respondent violated Section 22-201(10) of Collier County Ordinance 90-105, as amended, regarding failing to promptly correct faulty workmanship or failing to promptly replace faulty materials. 41 July 20, 2016 Order of the Board: • Based upon the foregoing Findings of Fact and Conclusions of Law, and pursuant to the authority granted in Chapter 489, Florida Statutes, and in Collier County Ordinance 90-105, as amended, by a vote of nine (9) in favor and none (0) in opposition, a majority vote of the Board members present, the Respondent has been found in violation as set out above. • Further, it is hereby ordered by a vote of nine (9) in favor, and none (0) in opposition, a majority vote of the Board members present, that the following disciplinary Sanctions are hereby imposed upon Roger L. Rutter, the holder of Collier County Certificate of Competency #201500002076, to wit: • Effective immediately, the Respondent is on probation for the period of one year, • Respondent is to pay the County's administrative costs in the sum of $500 within thirty days; • If payment of the administrative costs is not made within 30 days, the Respondent's license will be suspended. • Respondent is to pay the sum of $17,792.16 to the homeowners within thirty days and if he does not pay within thirty days, the Respondent's license will be suspended. • There will be a public reprimand and the Respondent will be charged the cost for publication. Chairman Lykos stated Mr. Rutter was advised to contact Ian Jackson regarding any follow-up on his case. Chairman Lykos noted the case was closed. B. Case #2016-04: Board of County Commissioners vs. Michael Werab, d/b/a "Tile Solutions, Inc." — This case was withdrawn by the County (as noted on the Amended Agenda) NEXT MEETING DATE: Wednesday, August 17, 2016 BCC Chambers, 3`d Floor — Administrative Building "F," Government Complex, 3301 E. Tamiami Trail, Naples, FL There being no further business for the good of the County, the meeting was adjourned by the order of the Chairman at 1:15 PM. 42 July 20, 2016 COLLIER COUNTY CONTRACTORS' LICENSING BOARD THOMAS LYKOS, Chairman The Minutes were approved by the Chairman on "as submitted" [I OR "as amended" [_]. 43 2016, Application for Reinstatement Of Carpentry License For James A Loubert • James Loubert Carpentry LLC I was unaware that I had to continue to Pay every year to maintain an inactive status. Held active license in Collier Country from 1994 threw 2008 CJ*4� -r CoT.z vt�y GMD Operations & Regulatory Management Licensing Section 2800 North Horseshoe Drive S' Naples, FL 34104 APPLICATION FOR COLLIER COUNTY/CITY OF NAPLES/CITY OF MARCO FIRM INSTRUTIONS: This application must be typewritten or legibly printed. The application fee must be paid upon approval and is not refundable. All checks should be made payable to: Collier County Board of County Commissioners. For further information, consult Collier County Ordinance No. 90-105, as amended. NAME OF COMPANY: Exact Corporate/Business Name enU( Fiction Name/ DBA: J (nkyyI C Qualifier Name: C� Y1'1 ` �j ("� C.t✓��1 �� Physical Address: co�— G(—C, \0 � �. 3L 101 (Number & Street) (City) (State) (Zip Code) Mailing Address: 7 C(? fir✓ �� (� (Number & Street) (City) (State) (Zip Code Telephone: Z�� C� j i E -mail, -:::S �CJl1�'� C YYICL TYPE OF LICENSE: General $230.00 Building $230.00 Residential $230.00 Mechanical $230.00 Roofing $230.00 Specialty Trade: GsMt, �V" CHANGE OF STATUS: QSz I, o 1 %i? 11 ( Reinstatement (From One Business to Another ( ) Dormant License to Active Page 1 of 4 7/18/2016 Reinstatement Fee= $205.00 3 back Year Fees= $555.00 New license Fee=$205.00 *Different fees may apply* Total=$965.00 Electrician $230.00 Plumber $230.00 Air Conditioner $230.00 Swimming Pool $230.00 Specialty $205.00 Specialty Trade: GsMt, �V" CHANGE OF STATUS: QSz I, o 1 %i? 11 ( Reinstatement (From One Business to Another ( ) Dormant License to Active Page 1 of 4 7/18/2016 Reinstatement Fee= $205.00 3 back Year Fees= $555.00 New license Fee=$205.00 *Different fees may apply* Total=$965.00 The names, titles, home address and phone numbers of all Officers/Managing Members of the Firm. 2. List all businesses, firms, entities or contracting businesses you have been associated with during the last ten years (i.e. held a license for or been a partner). Attach extra pages if needed. M t' ( LQ—V� 1, 0, V-�q - 3. List all debts you or any company(s) associated with you that you refused to pay and the reasons for the refusal to pay. Attach extra pages if needed. AFFIDAVIT Under the penalties of perjury I declare that I have read the foregoing application and that the facts stated in it are true. o•Pa :: 8�,� RAUL PEREZ, JR. ? ` * MY COMMISSION # FF 093446 Authorized Officer of the irm * EXPIRES: February 17, 2018 �r9"E0F F7V Bonded Thru Budget Notary Services ( / The foregoing instrument as acknowledged before me this D / t (Date) by_jO� `� A �V of cxy-yuz� �� (Name of Officer, Title/ Agent) (Name of Corporation) a L C` C Corporation on behalf of the corporation. (State or Place of Corporation) He/She hasroduced Ue, C a p ckS C � identification and dot take an oath. NOTARY'S SEAL Page 2 of 4 (SIGNAT(JRE OF NOTARY) 1 r QUALIFIER INFORMATION: Name:C�YYI�� 1. Address: (Number & Street) (City) (State) (Zip Code) Telephone:Z3�lcl (s—1 01173C2- Date of Birth: SS#: __ ( E-mail��✓YIs�SL-��u�a� CrYI�G Driver's License 1. Type of Certificate of Competency for which application is made. r.G,c-r n—UV—A . 2. The names and telephone numbers of two persons who will know your whereabouts. ZG 3 -- 2L 3 h 3. Have you ever been convicted of a crime related to Contracting? G' (If yes, attach extra sheet with explanation.) 4. Have you or any firms you have been associated with ever filed bankruptcy? 0 o 5. List all debts you or any company(s) associated with you that you refused to pay and the reasons for the refusal to pay and reasons why. 6. List your business or work experience during the last ten years. U�� Yl �il,�✓ : P vet' !''1 ccj-� Q C�� tilS2 7. Statement of any formal training you have had in the area for which the application is made. I� { C�_ (� C+C�[Z2,Y�, l s �,,r Lt Chi (1!� ►�1 Zoo b 3 of 4 n ( Q-1 Applicant's Name: 11111 I'll R ..._. 11111.._ VERIFICATION OF CONSTRUCTION EXPERIENCE GMD Operations & Regulatory Management Department Licensing Section 2800 N. Horseshoe Drive Naples, FL 34104 A L.),�V2,u Certificate Category Requested: G'\,� 2 -U - The applicant is seeking a Collier County Certificate of Competen in the trade indicated above. As part of the application for this certificate, the applicant must verify their experience within this trade. You are being requested to provide information that will aid the applicant in meeting this requirement. You should verify time of active experience working as an apprentice or a skilled worker (e.g. as a worker commanding the wage of mechanic or better in the trade). Time served solely in a supervisory or administrative role should be described, but may or may not be considered sufficient to demonstrate required trade experience. The person verifying trade experience must provide the. owing m rmatio Name: b� -j�q- \ r) � C_�)n C-(--e-Je- o C— Title: L-tg--C, License Number (if applicable): C 7 y I Sq Name of Business Business Address: C-)CktL � � -7::W zD Business Phone: ZS 9 (�3 60 0 ZZ - The applicant's years of experience fromo 701 The applicant's scope of work (specific duties) included: Additional comments: cic ' C-U�->� Falsifying any information provided herein may subject Under the penalties of perjury I declare that I have read t in it are true. M uc:CO-0.Vl C��d'Yli Print Name State of Flori� County of The foregoing instrument as acknowledged before me this Y11Q, d-�� Imo_ Date by ) — �� who has produce (name of person acknowledging) (type of identification) Ey- • ( as identification and did not take an oath. NOTARY'S SEAL (SIGNATURE OF NOTARY) AFFIDAVIT OF INTEGRITY AND GOOD CHARACTER F STATE OF 0(–� Cis COUNTY OF I I, having been first duly sworn, state and affirm: I am a resident of (l County, CV QC —1 A C�,.— (State) and have resided here for more than five (5) years. During the last five years I have know, Tcx ru-''' (applicant) have had the opportunity to observe his or her business and personal dealings and find him or her to be a person of honesty, integrity and good character. Sign ture 1 C)Z� rYl �1r1 Name s�2 � �(cL Address 1-7 Telephone The foregoing instrument as acknowledged before me this by t t (j mjM� who has produced lw*����� (name f person acknowledging) (type of identification) as identification and did not take an oath. NOTARY'S SEAL •ti"yp MARYANN PORSCMEN �a.. o1" Notary Public Slate of Florida • Commiaion N ff 990015 My Comm. Expires May 26.2020 Bonded through National Notary Asan. (SIGNATURE OF NOTARY) AFFIDAVIT OF INTEGRITY AND GOOD CHARACTER STATE OFA�C C� AiO— COUNTY OFC0�k-�r I, 0AM'j �� 1 , having been first duly sworn, state and affirm: l am a resident of O `-Ur- County, C,,— (State) and have resided here for more than five (5) years. During the last five years I have know �U(applicant) have had the opportunity to observe his or her business and personal dealings and find him or her to be a person of honesty, integrity and good character ' s Signature C P (—k, I Name Addre ZS�i -�Z --D�5� 0- Telephone The foregoing instrument as ackno ledged before me this (D te) by who has produced YC h d W y✓ r S d rt (name of person acknowledging) (type of [>I�iBO�IN NOTARY PUBLIC as identification and did not take an oath. STATE OF#1QRIOJI GatrN� FF;ta60mB NOTARY'S SEAL WEwWn 19 (SIGNATURE OF NOTARY) Pec Oa Of 02:57p REID 8 December, 2006 To whom it may concern I have known James Loubert for approximately six years. During that time period he has performed subcontract services for my company REID & REID BUILDERS INC. His company millennium Homes Inc. has proven to provide excellent service for my company. His company provides timely service and quality work. Millennium homes also provides good service for punch items or items needing correction. I would like to recommend Millennium Homes Inc. for your up coming projects. you, es M. Reid P.O Box 9831, Naples. FL 34101 Office. 239.403.0963 • Fax. 239.403.0969 • Cell. 239.253.0248 • E-mail. reidreidC&earthlink.net Dedicated to Excellence • Serving Souhwest Florida Since 1993 p.I Freshwater Construction, Inc. 12990 Brynwood way Naples, FL 34105 (239) 253-3277 Fax: (239) 775-9989 FL License #CBC1251017 8/16/06 To Whom It May Concern: As the contractor for Freshwater Construction, "Inc., I have had the pleasure of working with Millenium Homes, Inc. and have known Jimmy Loubert for over 6 years. As a contractor, I have worked with several framing companies and find Jimmy Loubert's.company, Millenium Homes, Inc., to be the most competent and reliable. I would like to take this opportunity to recommend Millenium Homes, Inc. to other contractors or companies. Millenium Homes, Inc, has completed several. framiing jobs for my company ranging from under 3,000 to over 14,000 square feet. All jobs have been satisfactory and have exceeded my expectations. Jimmy's organizational and communication skills make his company a pleasure to do business with. I will continue to work with Millehium Homes, Inc. and strongly suggest others to do the same. Sincerely, Kieran Freshwater Freshwater Construction, Inc. November 29, 2007 To: Whom it may concern Daniel Sullivan d/b/a Sullivan Brothers LLC 230 Tenth Avenue South Naples, FL 34102 (239) 434-0215 sullivanbrothers@yahoo.com www.SullivanBrothersHomes.com License # CBC 1250430 Re: Millenium Homes, Inc owner James Loubert Dear Sir/Madam, I am a Florida certified building contractor specializing in high-end residential construction. Millenium Homes has performed work for me on several jobs. This work has included framing, carpentry, and door and window installation. James Loubert and his employees are knowledgeable, polite, hard working, and honest. I would not hesitate to hire Millenium Homes again. Please feel free to contact me if you have any questions. Si erely, Daniel Sulliv January 7. 2004 To Whom It May Concern: I used the services of Jim Loubert and his company Millennium Homes Inc. in the construction of my home in Florida. All services were completed as promised within the agreed timeframe. I am very pleased with the quality of workmanship provided by Jim and his company. Many sub trades that followed into the home after completion commented on the caliber of craftsmanship and attention to detail. I would not hesitate to recommend Jim Loubert or-Iillennium Homes Inc. to anyone contemplating construction of new home. Sincerely, Wayne Henuset Owner Willow Park Wines & Spirits cu*O/zrrs LEE wrMaERCY " September 5,1999 Dear Employer, James Loubert has worked on numerous projects for me. All of witch were completed to my total satisfaction. He has a great working relationship with his men & seems to advance my schedule on everyjob. His superior knowledge of the trade has saved me time & money. Not to mention his office management skills as being superior. Billing & invoicing have always been correct & on time as well as were the releases. I would highly recommend James Loubert (PAL Co. Inc.) to build your home. If you wish me to elaborate further on his work experience with me I can be reached during the day at (941) 594-8668. Sincerely, Cuibsi Lee llmber/y 1 ,,R,M,, DEVELOPMENT CORP. "'OF NAPLES, INC. 5596 Rattlesnake Hammock Road Telephone (941) 417-0944 Naples, FL 34113 Fax (941) 417-0955 January 11, 2000 To Whom It May Concern: This letter is written in regards to James Loub'ert, Supervisor for P.A.L. Construction. As a Supervisor for P.A.L. Construction Company on our jobsite, we have found him to be a highly qualified Supervrsor.who has and excellent worldng relationship with his . crew and whomeets our schedules without any.delays.' In addition to being Supervisor for P.A.L. Construction, he is also an experienced crane operator for them. If you should have any questions, please feel free to contact me. Sincerely, RMG/omr................................�....= _ DEBRA A. McLAIN Elf m 12M5=10 t�laifat ►i�MrrYAMn.. Ina 3 •McCoy Developmentm 28000 Spanish Wells Boulevard -Bonita Springs. FL 34135-9943 July 11, 1997 To Whom It May Concern: 941-992-5525 FAX 941 -99'L -02,E Please be advised that PAL Construction, Inc. has been doing rough carpentry labor work for McCoy Development since 1995. I have been very pleased with their work performance and the quality of their workmanship, and feel confident in recommending PAL Construction, Inc. for your rough carpentry needs. Sincerely, 2'. e Randall S. Leferink Purchasing Manager McCoy Development, Inc. RSIJcew a r ser er n■ nsnnrrsewnasansaaaaasansaaarn DEBRA A. %"N r��Y'�� ComnplE Dfl06d7r�77 s i2118W0 I 19flo.'rvian M�v,.zliam - .(941) 561-2400 /`/ay j, 2.000 r �r , .:7c ---wrc scrccesshv l j completed many homes & cnndos on schedule. His 9uali! ( comm/on thcsc`oba has /cadme to having him brrdd m y own Prrvatc home. Allwood cons&uctian. 1nduc1,in&-rood .7-Ais was an I'/C%r7ris9.-/# Ane nc wiM no tmsses. f "�e was ab/c to comb/etc my home in only 6 wcc%s. games was able to makc tho, corrections.to mf�cirints.efn.sitc, witch cxPeciited fhe�nmJrct. ircmendous/�. /wau/d oFFer•art cnthusiasticrccommcndation to anyorrc ac9uin`n��amcs;[,oubcrtas a /iomca hui/der; Sincerely, or»:an B err r COPY solo _,.s+•. T OF SOUTHWEST FLORIDA, INC. 1 January 29, 1996 To Whom It May Concern: PAL Construction, Inc. provided the. labor -for the -interior and exterior framing of a 6480 sq.: ft. house that our company Is building for a customer .M the -Port Royal. -section of Naples. Their work was completed January 26, 199& Rick. Hagerstro Presidont r-.^r.R /i s (941) 947-6443 VA&V Ad*M: xis MMOM a Ad ayes - NO". A&W MW r LLEMAN- SIDEMAN Svc. BUILDING CONTRACTORS January 26, 1996 To whom it may concern; This is a letter 'of recommendation for Pal Construction of Naples, Inc. for preforming on time, with -quality work and a very Rood subcontractor to be associated -with. Alleman-Weideman, Inc. will continue to give Pal Construction opportunitys to do our work. Thank You, John R. Weideman Sr. Alleman-Weideman, Inc. COPY �iNffHiif fHf�tpHpHf�iHy//(/�t�H/�/H�HH///iifBH .YGGIV\M1 fg6�lfYn COEM" yys■��y�■�.�et11FIXia rYiui■fau V 2530 55th St. S.W. - Naples, Florida 33999 - (813) 455-1478 z I February 20, 1997 To Whom It May Concern: James Loubert has fled an application for a licensq as a carpenter contractor in Lee County. I hope you pay particular attention to his application as his skills are outstanding in this market place. James has competency in all areas -of construction. James has been employed by Rottlund Homes for a period of over six months and has proven -to be exceptional. I encourage his pursuit in this field as he has proven to be a respectable, trustworthy person. James has a terrific future as a carpenter contractor and I encourage his efforts to obtain a license so others may reap the benefits of his talents. a Sincerely, John Wes McMillan Vice President I �* Up- 9YA Adwyl- Cw"* " '+ 0*a 12me10 11M11� IMMIt INIF-he • a a-lsly`1 � oma IRONS HOWS Port Charlotte To whom it may concern, January 07,1997 James Loubert has worked for me for over a six months..: He has famed many single bmily homes for me & they all have'passed inspection.. He has reliable men working for him and they work as a team .. It is an asset having James as a carpenter contractor on the job I think that James will do well in the contracting field & I hope you will welcome this oppeitunity for an experienced •carpentry comractorto be licensed in Lee County ITescaeant ��sMMNMSMssf lL pe �s=!!!!Ns/sNssssf ' t � • Ron w (fiUMO VERFICATION-OF CONSTRUCTION EXPERIENCE COLLIER COUNTY CONTRACTOR'S LICENSING BOARD 2P^O North Horseshoe Drive T es,. FL 33942 ,711' _e3 LL worked as a C1qP 1sti�X__) for (Applicant Name) (tr de) 55. GW5'�, Cl) located at (Company Name) V— / S y6 / �i from .��U 19_t o P< 19 (Tell in your own words what you know of applicant's experience. Describe the type of work he/she performed and his/her position as helper, journeyman, foreman, apprentice, supervisory employee or contractor. Describe the kind of buildings, structures, or projects worked upon. Give any details that might aid in evaluating his/her experience.) I ,RTIFY UNDER PENALTY OF PERJURY THAT THE FOR ING IS TR AND CORRECT. SIGNATURE NAME PRINTED /'CCNNETh ,/ 741s; S ADDRESS ' 7z G o Z2 `� eLF 44d/5S TELEPHONE: Sr� c!v / Y STATE OF FLORIDA COUNTY OF The foregoing instrument was acknowledged before me this by (name of person acknowledging) as identification and who did not DINA M. BROWN My Comm E.Q. 9%11196 NOTARY t Bonded 127M W$@ IRS �. PU6LIC p No. OF F` �r owl i your, l a who has produced Lp'tfti cs �>� lq�r S (D,Ate) (Type of identification) take an o SIGNATURE 09 -NOTARY NOTARY PUBLIC Z E: If self-employed, original notarized letters from firms, individuals, or professional persons for whom you have worked reflecting type of work performed and dates of employment. VERFICATION OF CONSTRUCTION EXPERIENCE Cr`TLIER COUNTY CONTRACTOR'S LICENSING BOARD J North Horseshoe Drive .,,Aples, FL 33942 /� f /� _ �LL I 11L S 1nUJJ✓? f2T worked as a LLLc()Lrl r- ' l`Cy0fruf1 for (Applicant Name) (trade) VES 1L4r11 iL �P 4L S located at 1 �r� I Ej. i:'•PeisE AJi_.. (Company Name) from.T�t11ULt _19 `1� to ' tlllt�� 19 3 (Tell in your, own words what you know of applicant's experience. Describe the, type of work he/she performed and his/her position as helper, Journeyman, foreman, apprentice, supervisory employee or contractor. Describe the kind of buildings, structures, or projects worked upon. Give Any details that might aid in evaluating his/her experience.) r0-r1L,VL1-11 1-1 ftiPLT-4, -�f A I I �) Ze M/1 VD-01� R/EiZ bbIL9 I I Lowu _ERTIFY_UNDER PENALTY OF PERJURY STATE OF FLPRIDA n L 0VULJ THAT THE FOREGOING I TRUE AND CORRECT. SIGNATURE _ NAME PRINTED �'�i �-S.S IA -1 _ ADDRESSTELEPHONE: COUNTY OF f r The for goin instrument was. acknowledged before me this l� Wat by who has produced iW<4)nA11d M'M: (name of person acknowledging) (Type of identification) as identification and who did not take an a h. ON 13P 'C SHIANNI, B ,.ANN 40 tdoLary SIGNATURE OF NOTARY My Currin. }:,•,.-.:^ ,! NOTARY PUBLIC CZY1(5L L� QPM VA JL ziri 01�Lla, -bo-, 1 �... OfieYCOlvy:tl Operations and Regulatory Management Divisi4n Growth Management Department Contractor Licensing Section 2800 North Horseshoe Drive Naples, FL 34104 Date: June 13, 2016 To: Applicants for Certificate of Competency From: Ian Jackson, Contracting Licensing Supervisor Subject: Collection of social security numbers Pursuant to Chapter 1-19, Florida Statutes and Collier County Contractor Licensing Ordinance 2006-46 Section 2.1.1., all applicants are required to submit their social security number (SSN) for the following purposes: a) Assess applicant's ability to satisfy creditors by reviewing their credit history. b) Verification of applicant's test scores and information. Our office will only use your SSN noted above for those reasons pursuant to Chapter 1-19, Florida Statutes, and as may otherwise be authorized by law. We are fully committed to safe -guarding and protecting your SSN and once collected, will be maintained as confidential and exempt under Chapter 1-19, Florida Statutes. TUC+ DEPARTMENT OF THE TREASURY INTERNAL REVENUE SERVICE CINCINNATI OH 45999-0023 JAMES LOUBERT CARPENTRY LLC JAMES A LOUBERT SOLE MBR 377 LEAWOOD CIR NAPLES, FL 34104 Date of this notice: 07-19-2016 Employer Identification Number: 81-3289789 Form: SS -4 Number of this notice: CP 575 G For assistance you may call us at: 1-800-829-4933 IF YOU WRITE, ATTACH THE STUB AT THE END OF THIS NOTICE. WE ASSIGNED YOU AN EMPLOYER IDENTIFICATION NUMBER Thank you for applying for an Employer Identification Number (EIN). We assigned you EIN 81-3289789. This EIN will identify you, your business accounts, tax returns, and documents, even if you have no employees. Please keep this notice in your permanent records. When filing tax documents, payments, and related correspondence, it is very important that you use your EIN and complete name and address exactly as shown above. Any variation may cause a delay in processing, result in incorrect information in your account, or even cause you to be assigned more than one EIN. If the information is not correct as shown above, please make the correction using the attached tear off stub and return it to us. A limited liability company (LLC) may file Form 8832, Entity Classification Election, and elect to be classified as an association taxable as a corporation. If the LLC is eligible to be treated as a corporation that meets certain tests and it will be electing S corporation status, it must timely file Form 2553, Election by a Small Business Corporation. The LLC will be treated as a corporation as of the effective date of the S corporation election and does not need to file Form 8832. To obtain tax forms and publications, including those referenced in this notice, visit our Web site at www.irs.gov. If you do not have access to the Internet, call 1-800-829-3676 (TTY/TDD 1-800-829-4059) or visit your local IRS office. Fw��•��i:.r : �,.nu. * Keep a copy of this notice in your permanent records. This notice is issued only one time and the IRS will not be able to generate a duplicate copy for you. You may give a copy of this document to anyone asking for proof of your EIN. * Use this EIN and your name exactly as they appear at the top of this notice on all your federal tax forms. * Refer to this EIN on your tax -related correspondence and documents. If you have questions about your EIN, you can call us at the phone number or write to us at the address shown at the top of this notice. If you write, please tear off the stub at the bottom of this notice and send it along with your letter. If you do not need to write us, do not complete and return the stub. Your name control associated with this EIN is JAME. You will need to provide this information, along with your EIN, if you file your returns electronically. Thank you for your cooperation. Certificate ofstatus I certify from the records of this office that JAMES LOUBERT CARPENTRY LLC, is a limited liability company organized under the laws of the State of Florida, filed electronically on July 18, 2016, effective July 18, 2016. The document number of this company is L16000134849. I further certify that said company has paid all fees due this office through December 31, 2016, and its status is active. I further certify that this is an electronically transmitted certificate authorized by section 15.16, Florida Statutes, and authenticated by the code noted below. Authentication Code: 160721075431-500288076705#1 Given under my hand and the Great Seal of the State of Florida at Tallahassee, the Capital, this the Twenty First day of July, 2016 044. .en Mettwr A*etretm .0 9§t& r 886110`h Ave. N. Suite #6, Naples, FL 34108 Phone: 239.777.1028 Fax: 877.275.3593 www.LicensesEtc.com PERSONAL CREDIT REPCiRT (Compiled From National Records) <FOR> <SUB NAME> <MKT SUB> <INFILE> <DATE> <TIME> (I) P NP7771028 LICENSES ETC 16 NP 6/89 07/20/16 15:00CT <SUBJECT> <SSN> <BIRTH DATE> LOUBERT, JAMES A. <CURRENT ADDRESS> <DATE RPTD> 377 LEAWOOD CI., NAPLES FL. 34104 6/06 <FORMER ADDRESS> 2456 SW. 44TH ST., NAPLES FL. 34116 9/07 5571 HUNTER BV., #D. NAPLES FL. 34116 12/05 <POSITION> <CURRENT EMPLOYER AND ADDRESS> <RPTD> MILLENIUM HOMES PRESIDENT 1/05 ---------------------------------------------------------------------------- M 0 D E L P R O F I L E ***FICO SCORE 8: NOT SCORED: INSUFFICIENT CREDIT *** ---------------------------------------------------------------------------- PUBLIC RECORDS HAVE BEEN SEARCHED AT THE COUNTY, STATE AND FEDERAL LEVELS P U B L I C R E C O R D S SOURCE DATE LIAB ECOA COURT ASSETS PAID DOCKET# TYPE PLAINTIFF/ATTORNEY Z 5064186 3/13R $3500 I CI 8/14 13SC166 PAID CIVIL JUDGMENT ---------------------------------------------------------------------------- PETER T FLOOD T R A D E S SUBNAME SUBCODE OPENED HIGHCRED TERMS MAXDELQ PAYPAT 1-12 MOP ACCOUNT# VERFIED CREDLIM PASTDUE AMT -MOP PAYPAT 13-24 ECOA COLLATRL/LOANTYPE CLSD/PD BALANCE REMARKS MO 30/60/90 THD/CBNA B 26H3005 11/05 $710 111111111111 R01 2/14A $800 $0 111111111111 I CHARGE ACCOUNT 3/09C $0 ACCT INFO DSP BY CSMR 82 0/ 0/ 0 BK OF AMER B 1597029 6/07 $2145 XXXXXXXXXXII R01 10/09A $500 $0 111111111111 I CREDIT CARD 10/09C $0 CLOSD BY CRDT GRANTOR 28 0/ 0/ 0 CAPITAL ONE B 1DTV001 11/05 $493 111111111111 R01 5/09A $500 $0 111111111111 I CREDIT CARD 4/09C $0 CLOSD BY CRDT GRANTOR 37 0/ 0/ 0 GMAC Q 2592672 3/06 $32.7K 60M709 11111111 I01 1/07A $0 I AUTOMOBILE ---------------------------------------------------------------------------- 1/07C $0 CLOSED 8 0/ 0/ 0 I N Q U I R I E S DATE SUBCODE SUBNAME 7/20/16 PNP7771028(FLA) LICENSES ETC 9/24/14 ZNP6284423(FLA) MERIT CREDIT 8/23/14 UDE4993541(CNM) CENTURYLINK ---------------------------------------- TYPE AMOUNT END OF REPORT 886110"' Ave. N. Suite #6, Naples, FL 34108 Phone: 239.777.1028 Fax: 877.275.3593 www.LicensesEtc.com BUSINESS CREDIT REPORT Millenium Homes, Inc. Address: 350 Leawood Lakes Cir SIC Code: Naples, FL 34104 United States Experian BIN: 741352495 Agent: Loubert James A NAICS Code: Agent 350 Leawood Lakes Cir Address: Naples, FL Family Linkage: Ultimate Millenium Homes, Inc Parent 350 Leawood Lakes Cir Naples, FL Branches / Millenium Homes, Inc Alternative 5571 Hunter BLVD Locations Naples, FL United States as of: 07/20/16 16:18 ET Fed Tax ID# 38-3679141 1521 -Construction, Single -Family Houses 8741 -Management Services 1751 -Carpentry Work 236110 -Residential Building Construction 238130 -Framing Contractors Business Type: Corporation Experian File April 2003 Established: Experian Years on File: 13 Years Years in Business: More than 13 Years Total Employees: 34 Filing Data Provided Florida by: Page 1 of 2 Date of Incorporation: 04/29/2003 PUBLIC RECORDS HAVE BEEN SEARCHED AT THE COUNTY, STATE AND FEDERAL LEVELS. Bankruptcies: Liens: Judgments Filed: V/ Collections: END OF REPORT Page 2 of 2 TransUnian Pt onra ijtij t Your SSN has been masked for your protection. Names Reported: JAMES A. LOUBERT Addresses Reported: Address 377 LEAWOOD CIR, NAPLES, FL 34104-4162 2456 44TH ST SW, NAPLES, FL 34116-7929 5571 HUNTER BLVD STE D, NAPLES, FL 34116-5504 350 LEAWOOD CIR, NAPLES, FL 34104-4134 3762 COMPTON LN N, NAPLES, FL 34104 3821 10TH AVE NE, NAPLES, FL 34120-4932 2560 11TH CIR, NAPLES, FL 34103-1503 6762 COMPTON LN N, NAPLES, FL 34104-7819 Telephone Numbers Reported: (239)289-7553 (239)692-9305 (239)384-9147 (551) 697$905 (239) 263-9950 Employment Data Reported: Employer Name Position MILLENIUM HOMES PRESIDENT -Begin Credit Report - You have been on our files since 06/01/1989 Date of Birth: 05/25/1967 Date Reported 06/01/2006 09/19/2007 12/01/2005 05/24/2007 10/05/2009 09/02/2014 03/03/2012 07/26/2010 (239) 877-9397 Date Verified 01/01/2005 Report Created On: 07/18/2016 File Number: 366249360 (239) 2635590 (239) 280-0258 (239) 692-9580 This information was collected from public records sources by TransUnion or a company we hired. You may be required to explain these items to potential creditors. Public record items generally remain on your credit file for up to 7 years. COLLIER COUNTY CIRCUIT COURT Docket# 13SC166 3301 TAMIAMI TRL E BLDG L-6 NAPLES, FL 34101 (941)774-8800 Date Filed: 03/08/2013 Type: PAID CIVIL JUDGMENT Amount: $3,500 Date Paid: 08/08/2014 Responsibility: Individual Debt Court Type: Circuit Court Date Updated: 09/02/2014 Plaintiff: PETER T FLOOD Estimated month and year that this item will be removed: 02/2020 ACtwun# 117ffta'' Typically, creditors report any changes made to your account information monthly. This means that some accounts listed below may not reflect the most recent activity until the creditor's next reporting. This information may include things such as balances, payments, dates, remarks, ratings, etc. The key(s) below are provided to help you understand some of the account information that could be reported. Rating Key Some creditors report the timeliness of your payments each month in relation to your agreement with them. The ratings in the key below describe the payments that may be reported by your creditors. Please note: Some but not all of these ratings may be present in your credit report. N[R X m �"a ® i Not Uknr»vn Current 30 daf-s 60 gays X30 days 120+ days CoRt.-.tion Votuntary Repo Charge Off foredusure n Reported late late late late Surrender ssession Page 1 of 9 I Da TroansUnion Rating I x I x I x I x I X I x I x CAPITAL ONE BANK USA NA # *** PO BOX 30281 SALT LAKE CITY, UT 84130 (800)955-7070 Date Opened: 11/03/2005 Balance: Responsibility: Individual Account Date Updated: Account Type: Revolving Account Payment Received: Loan Type: CREDIT CARD Last Payment Made: High Balance: Credit Limit: Remarks: CLOSED BY CREDIT GRANTOR; CLOSED $0 05/28/2009 $39 12/10/2007 $493 $500 Page 2 of 9 Pay Status: Date Closed: Date Paid: X X I X Current; Paid or Paying as Agreed 04/29/2009 12/10/2007 TransUnion GMAC # BLOOMINGTON, MN 55438 SIOUX FALLS, SD 57117-6497 (800) 200-4622 (800)677-0232 Date Opened: 03/30/2006 Balance: $0 Pay Status: Current; Paid or Paying as Responsibility: Individual Account Date Updated: 01/31/2007 Agreed Account Type: Installment Account Payment Received: $29,091 Terms: $709 per month, paid Loan Type: AUTOMOBILE Last Payment Made: 01/31/2007 Monthly for 60 months Terms: High Balance: $32,711 Date Closed: 01/31/2007 Remarks: CLOSED THE HOME DEPOT/CBNA # "*' PO BOX 6497 SIOUX FALLS, SD 57117-6497 (800)677-0232 Date Opened: 11/16/2005 Balance: $0 Pay Status: Current; Paid or Paying as Responsibility: Individual Account Date Updated: 02/22/2014 Agreed Account Type: Revolving Account Payment Received: $0 Terms: Paid Monthly Loan Type: CHARGE Y Last Pa Payment Made: 2007 Date Closed: 03/24/2009 ACCOUNT High Balance: $710 $710 Date Paid: 01/23/2007 Credit Limit: $750 Remarks: ACCT INFO DISPUTED BY CONSUMR; CLOSED BY CREDIT GRANTOR; CLOSED Page 3 of 9 Transun on Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an inquiry means that the company listed received your credit information on the dates specified. These inquiries will remain on your credit file for up to 2 years. CONTRACTORLICENSING via MERIT CREDIT CENTURYLINK INC 12734 KENWOOD LANE CENTURYLINK STE 85 100 CENTURYLINK DR FORT MYERS, FL 33907 MONROE, LA 71203 (239)277-3202 (318)682-5055 Requested On: 09/24/2014 Requested On: 08/23/2014 Inquiry Type: Individual Inquiry Type: Individual Permissible Purpose: CREDIT TRANSACTION The companies listed below received your name, address and other limited information about you so they could make a firth offer of credit or insurance. They did not receive your full credit report. These inquiries are not seen by anyone but you and do not affect your score. MONTGOMERY WARD 1112 7TH AVENUE MONROE, WI 53566 (800)913-0743 Requested On: 10/28/2015, 09/17/2015 Mc 0t Re�►ia inq PROGRESSIVE INSURANCE PO BOX 43258 RICHMOND HEIG, OH 44123 (216)732-3038 Requested On: 08/13/2015 The listing of a company's inquiry in this section means that they obtained information from your credit file in connection with an account review or other business transaction with you. These inquiries are not seen by anyone but you and will not be used in scoring your credit file (except insurance companies may have access to other insurance company Inquiries, certain collection companies may have access to other collection company inquiries, and users of a report for employment purposes may have access to other employment inquiries, where permitted by law). CAVALRY PORTFOLIO SVCS 500 SUMMIT LAKE DR STE 4A VALHALLA, NY 10595 (800)501-0909 Requested On: 07/11/2016 TRANSUNION INTERACTIVE 100 CROSS STREET 202 REGIONS BANK 2050 PARKWAY OFFICE CRCLE HOOVER, AL 35244 (205)560-7972 Requested On: 02/09/2016 DYNAMIC RECOVERY SOLUTION PO BOX 25759 Page 4 of 9 TransUnion SAN LUIS OBISPO, CA 93401 (800) 493-2392 Requested On: 12/20/2015 Permissible Purpose: CREDIT MONITORING FIRST NTL COLL BUREAU 610 WALTHAM WAY MCCARRAN, NV 89434 (775) 322-0444 Requested On: 11/12/2015 GEICO ONE GEICO BLVD FREDERICKSBURG, VA 22412 (800)691-3918 Requested On: 08/12/2015 Permissible Purpose: INSURANCE UNDERWRITING AVANTE USA 3600 S GESSNER SUITE 225 HOUSTON, TX 77063 (832)476-1740 Requested On: 12/01/2014 BMO HARRIS BK NA 111 W MONROE CHICAGO, IL 60603 (888) 340-2265 Requested On: 08/01/2014 Permissible Purpose: CONSUMER INITIATED TRANSACTION Should you wish to contact TransUnion, you may do so, Online: To report an inaccuracy, please visit: disoute transunion com For answers to general questions, please visit: www.transunion.com By Mail: TransUnion Consumer Relations P.O. Box 2000 Chester, PA 19016-2000 GREENVILLE, SC 29616 (877)966-7544 Requested On: 12/08/2015 MIDLAND CREDIT MGMT INC 2365 NORTHSIDE DRIVE SUITE 300 SAN DIEGO, CA 92108 (844)236-1959 Requested On: 11/07/2015 Permissible Purpose: COLLECTION FINANCIAL RECOVERY SVCS 4510 WEST 77TH STREET SUITE 220 EDINA, MN 55435 (877)288-9426 Requested On: 02/03/2015 DIVERSIFIED CONSULTANTS 10550 DERWOOD PK B SUITE 11309 JACKSONVILLE, FL 32256 (800) 771-5361 Requested On: 09/28/2014 Permissible Purpose: COLLECTION -End of Credit Report - By Phone: (800)916-8800 You may contact us between the hours of 8:00 a.m. and 11:00 p.m. Eastern Time, Monday through Friday, except major holidays. For all correspondence, please have your TransUnion file number available (located at the top of this report). Page 5 of 9 TrctnsUnionS CdnAimouMoh Para informacion en espanol, visite www cons:imerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552. ■ You must be told If information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment -- or to take another adverse action against you — must tell you, and must give you the name, address, and phone number of the agency that provided the information. ■ You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security Number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: • a person has taken adverse action against you because of information in your credit report; • you are the victim of identity theft and place a fraud alert in your file; • your file contains inaccurate information as a result of fraud; • you are on public assistance; • you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/leammore for additional information. • You have the right to ask for a credit score. Credit scores are numerical summaries of your credit -worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. ■ Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ■ Access to your file is Iimited.A consumer reporting agency may provide information about you only to people with a valid need - usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. ■ You must give your consent for reports to be provided to employersA consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerrinance.i4ov/learnmore ■ You may limit "prescreened" offers of credit and insurance you get based on information in your credit report.Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt -out with the nationwide credit bureaus at 1-888-567-8688 (888-5OPTOUT). ■ You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher Page 6 of 9 TricinsUniort of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. Identity theft victims and active duty military personnel have additional rights. For more information, visit www.consumerfinance.gov/leammore States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For Information about your federal rights, contact: TYPE OF BUSINESS: CONTACT: 1.a. Banks, Savinggs associations, and credit unions with total assets of over $10 Bureau of Consumer Financial Protection billion and their affiliates 1700 G Street, NW Washington, DC 20552 b. Such affiliates that are not banks, savings associations, or credit unions also Federal Trade Commission should list, in addition to the CFPB: Consumer Response Center - FCRA Washington, DC 20580 1-877-382-4357 2. To the extent not included in item 1 above: Office of the Comptroller of the Currency a. National banks, federal savings associations, and federal branches and federal foreign banks Customer Asssiiystance Group Suite 3450 Houston agencies of TX 77010-9050 b. State member banks, branches and agencies of foreign banks (other than federal Federal Reserve Consumer Help branches, federal agencies, and insured state branches of foreign banks), PO Box 1200 commercial lending companies owned or controlled by foreign banks, and Minneapolis, MN 55480 organizations operating under section 25 or 25A of the Federal Reserve Act c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and FDIC Consumer Response Center Insured state savings associations 1100 Walnut Street, Box #11 Kansas City, MO 64106 d. Federal credit unions National Credit Union Administration Office of Consumer Protection (OCP) Division of Consumer Compliance and Outreach (DCCO) 1775 Duke Street Alexandria, VA 22314 3. Air carriers Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation 1200 New Jersey Avenue, S.E. Washington, DC 20590 1-202-366-1306 4. Creditors Subject to Surface Transportation Board Office of Proceedings, Surface Transportation Board Department of Transportation 395 E Street, S.W. Washington, DC 20423 5. Creditors subject to Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Administration area supervisor 6. Small Business Investment Companies Associate Deputy Administrator for Capital Access United States Small Business Administration 409 Third Street, SW, 8th Floor Washington, DC 20416 7. Brokers and Dealers Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549 8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Farm Credit Administration Credit Banks, and Production Credit Associations 1501 Farm Credit Drive McLean, VA 22102-5090 9. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional Office for region in which the creditor o rates or Federal Trade Commission: Consumer Response Center-FCRA Washington, DC 20580 1-877-382-4357 Information Regarding State Laws Florida Residents Page 7 of 9 TransUnion FLORIDA BILL OF RIGHTS As of July 1, 2006 you have a right to place a "security freeze" on your consumer report, which will prohibit a consumer reporting agency from releasing any information in your consumer report without your express authorization. A security freeze must be requested in writing by certified mail to a consumer reporting agency. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. You should be aware that using a security freeze to control access to the personal and financial information in your consumer report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, insurance, government services or payments, rental housing, employment, investment, license, cellular telephone, utilities, digital signature, Internet credit card transaction or other services, including an extension of credit at point of sale. When you place a security freeze on your consumer report, you will be provided a personal identification number or password to use if you choose to remove the freeze on your consumer report or authorize the release of your consumer report for a designated period of time after the security freeze is in place. To provide that authorization, you must contact the consumer reporting agency and provide all of the following: 1. The personal identification number or password. 2. Proper identification to verify your identity. 3. Information specifying the period of time for which the report shall be made available. 4. Payment of a fee authorized by this section of the Florida Statutes. A consumer reporting agency must authorize the release of your consumer report no later than 3 business days after receiving the above information. A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account, that requests information in your consumer report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements. You have the right to bring a civil action against anyone, including a consumer reporting agency, who fails to comply with the provisions of Sec. 501.005, Florida Statutes, which governs the placing of a consumer report security freeze on your consumer report. FLORIDA BILL OF RIGHTS for PROTECTED CONSUMERS If you are the parent or legal guardian of a minor younger than 16 years of age or a guardian or advocate of an incapacitated, disabled, orprotected person under chapter 39, chapter 393, chapter 744, or chapter 914, Florida Statutes, you have the right to place a security freeze on the consumer report of the person you are legally authorized to care for. If no consumer report exists, you have the right to request that a record be created and a security freeze be placed on the record. A record with a security freeze is intended to prevent the opening of credit accounts until the security freeze is removed. YOU SHOULD BE AWARE THAT USING A SECURITY FREEZE TO CONTROL ACCESS TO THE PERSONAL AND FINANCIAL INFORMATION IN A CONSUMER REPORT OR RECORD MAY DELAY, INTERFERE WITH, OR PROHIBIT THE TIMELY APPROVAL OF ANY SUBSEQUENT REQUEST OR APPLICATION REGARDING A NEW LOAN, CREDIT, MORTGAGE, INSURANCE, GOVERNMENT SERVICES OR PAYMENTS, RENTAL HOUSING, EMPLOYMENT, INVESTMENT, LICENSE, CELLULAR PHONE, UTILITIES, DIGITAL SIGNATURE, INTERNET CREDIT CARD TRANSACTION, OR OTHER SERVICES, INCLUDING AN EXTENSION OF CREDIT AT POINT OF SALE. To remove the security freeze on the protected consumer's record or report, you must contact the consumer reporting agency and provide all of the following: 1. Proof of identification as required by the consumer reporting agency. 2. Proof of authority over the protected consumer as required by the consumer reporting agency. 3. The unique personal identifier provided by the consumer reporting agency. 4. Payment of a fee. A consumer reporting agency must, within 30 days after receiving the above information, authorize the removal of the security freeze. A security freeze does not apply to a person or entity, or its affiliates, or a collection agency acting on behalf of the person or entity, with which the protected consumer has an existing account, which requests information Page 8 of 9 TransUnior in the protected consumer's consumer report or record for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements. You have the right to bring a civil action as authorized by section 501.0051, Florida Statutes, which governs the security of protected consumer information. Page 9 of 9 NOTE: Total may not equal 100% due to rounding Account Age Usually, it is a good idea to keep your oldest credit account open, as a high average account age generally demonstrates stability to lenders. Also, especially if you have been managing credit for a short time, opening many new accounts will lower your average account age and may have a negative impact. Length of Credit History 11 Years, 5 Months Average Account Age 9 Years, 7 Months Oldest Account FIFTH THIRD BANK (Opened 02/03/2005) Most Recent Account J&C AUTO SALES OF CO (Opened 12/17/2012) Inquiries - Requests for your Credit History Numerous inquiries on your credit file for new credit may cause you to appear risky to lenders, so it is usually better to only seek new credit when you need it. Typically, lenders distinguish between inquiries for a single loan and many new loans in part by the length of time over which the inquiries occur. So, when rate shopping for a loan ifs a good idea to do it within a focused period of time. Inquiries in the Last 2 Years 2 Most Recent Inquiry KELLY TRACTOR (03/05/15) Potentially Negative Information Late payments, collections and public records can have a negative impact on your credit standing. The more severe and recent they are, the more negative the potential impact might be. Public Records 0 Negative Accounts 0 Collections 0 Mortgage Accounts Mortgage accounts include first mortgages, home equity loans, and any other loans secured by real estate you own. You have no mortgage accounts on file. Installment Accounts Installment accounts are credit accounts in which the amount of the payment and the number of payments are predetermined or fixed, such as a car loan. Closed Accounts GMAC 03/01/2006 $0 03/01/2007 PAYS AS AGREED (800) 200-4622 Account Number: Account Owner: Individual Account. Type of Account: Installment Term Duration: 60 Months Current Status: PAYS AS AGREED High Credit: $ 32,711 Credit Limit: Terms Frequency: Monthly (due every month) r Date Opened: 03/01/2006 Date Reported: 03/01/2007 Date of Last Payment: 01/2007 Scheduled Payment Amount: $ 709 Date Major Delinquency First Reported: 11 Creditor Classification: Paid and Closed Charge Off Amount: Balloon Payment Amount: Date Closed: 01/2007 Date of First Delinquency: N/A Comments: Individual Account. 81 -Month Payment History No 81 -Month Payment Data available for display. Balance: $ 0 Amount Past Due: Actual Payment Amount: $ 29,091 Date of Last Activity: 01/2007 Months Reviewed: 11 Activity Description: Paid and Closed Deferred Payment Start Date: Balloon Payment Date: Type of Loan: ,Auto J&C AUTO SALES OF CO 1 XXXX 12/17/2012 $0 08/22/2014 PAYS AS AGREED 2390 J And C Blvd Nty, Inc. Naples, FL -341092022 (941)597-7027 Account Number: 1XXXX Current Status: PAYS AS AGREED Account Owner: Individual Account. High Credit: $ 10,899 Type of Account: Installment Credit Limit: Term Duration: 37 Months Terms Frequency: Monthly (due every month) Date Opened: 12/17/2012 Date Reported: 08/22/2014 Date of Last Payment: 04/2014 Scheduled Payment Amount: $ 395 Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Balance: $ 0 :Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Reviewed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: $ 395 04/2014 20 Paid and Closed Date Closed: 04/2014 Date of First Delinquency: N/A Comments: 81 -Month Payment History Type of Loan: Auto Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2014 NR NR NR NR 2013 NR NR NR NR NR 2012 SUNTRUST BANKS OF FL 06/01/2005 $0 04/01/2007 PAYS AS AGREED r n LL PO Box 85526 Cr Bur Disp CS-RVW7955 Richmond, VA -232855526 (877) 586-5407 Account Number: Current Status: PAYS AS AGREED Account Owner: Co -maker High Credit: $ 42,071 Type of Account: Installment Credit Limit: Term Duration: 60 Months Terms Frequency: Monthly (due every month) Date Opened: 06/01/2005 Balance: $ 0 Date Reported: 04/01/2007 Amount Past Due: Date of Last Payment: 04/2006 Actual Payment Amount: $ 38,183 Scheduled Payment Amount: $ 908 Date of Last Activity: 03/2006 Date Major Delinquency First Reported: Months Reviewed: 10 Creditor Classification: Activity Description: Paid and Closed Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: 04/2006 Type of Loan: Business Loan - individual is personally liable Date of First Delinquency: N/A Comments: 81 -Month Payment History No 81 -Month Payment Data available for display. Revolving Accounts Revolving accounts are charge accounts that have a credit limit and require a minimum payment each month, such as most credit cards. Closed Accounts BANK OF AMERICA 06/01/2007 $0 10/01/2009 PAYS AS $500 AGREED PO Box 982238 EI Paso, TX -799982238 (800)421-2110 Account Number. Current Status: PAYS AS AGREED Account Owner: Individual Account. High Credit: $ 2,145 Type of Account: Revolving Credit Limit: $ 500 Term Duration: Terms Frequency: Monthly (due every Date Opened: Date Reported: Date of Last Payment: Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Date Closed: Date of First Delinquency: Comments: 81 -Month Payment History month) 06/01/2007 Balance: $ 0 10/01/2009 04/2008 10/2009 N/A Amount Past Due: Actual Payment Amount: Date of Last Activity: Months Reviewed: Activity Description: Deferred Payment Start Date: Balloon Payment Date: Type of Loan: Account closed by credit grantor No 81 -Month Payment Data available for display. BARCLAYS BANK DELAWA 07/22/2005 $0 01/21/2013 04/2008 28 Closed Credit Card PAYS AS $1,500 AGREED 81 -Month Payment History No 81 -Month Payment Data available for display. Account Number: Account Owner: Type of Account: Term Duration: Individual Account. Revolving Current Status: High Credit: Credit Limit: Terms Frequency: PAYS AS AGREED $ 1,655 $ 2,500 Monthly (due every month) 81 -Month Payment History No 81 -Month Payment Data available for display. THD/CBNA Account Owner: Individual Account. Type of Account: Revolving Term Duration: Date Opened: 11/16/2005 Date Reported: 02/22/2014 Date of Last Payment: 01/2007 Scheduled Payment Amount: Date Major Delinquency First Reported: Creditor Classification: Charge Off Amount: Balloon Payment Amount: Current Status: PAYS AS AGREED High Credit: $ 710 Credit Limit: $ 750 Terms Frequency: Monthly (due every month) Balance: $ 0 :Amount Past Due: Actual Payment Amount: Date of Last Activity: 01/2007 Months Reviewed: 98 Activity Description: Paid and Closed Deferred Payment Start Date: Balloon Payment Date: I Date Closed: Date of First Delinquency: Comments: 81 -Month Payment History 03/2009 Type of Loan: Charge Account N/A Consumer disputes this account information, Account closed by credit grantor No 81 -Month Payment Data available for display. Other Accounts These are all accounts that do not fall into the other categories and can include 30 -day accounts such as American Express. You have no accounts classified as "Other" on file Payment History Key Meaning Symbol Meaning Symbol Pays or Paid as Agreed: Collection Account: A 30-59 Days Past Due:0 Foreclosure: 60-89 Days Past Due:lzu 0 Voluntary Surrender: S 90-119 Days Past Due:0 Repossession: 120-149 Days Past Due: = Charge Off: O 150-179 Days Past Due: 150 ° Not Reported: INR 180+ Days Past Due: 80` Inquiries A request for your credit history is called an inquiry. Inquiries remain on your credit report for two years. There are two types of inquiries - those that may impact your credit rating and those that do not. Inquiries that may impact your credit rating These inquiries are made by companies with whom you have applied fora loan or credit. D I RECTV 08/23/14 DIRECTV 2230 E Imperial Hwy M S LA1/N368 EI Segundo, CA 902453504 (877) 333-4102 KELLY TRACTOR 03/05/15 KELLY TRACTOR 8255 NW 58th St Miami, FL 331663406 Inquiries that do not impact your credit rating These inquiries include requests from employers, companies making promotional offers and your own requests to check your credit. Th9se inquiries are only viewable by you. +Coimpany Informotion pate of Inquiry PRM ONL-COMENITYCAPITAL/GOODSAM 03/10/16 ND -FLORIDA POWER & LIGHT 08/05/14 ND -PROGRESSIVE INSURANCE **AA09 ::6700616715 08/04/14 _ ,.. 4 „k —4,..r.�s.a �s,.��s PRM Inquiries with this prefix indicate that only your name and address were given to a credit grantor so they can provide you a firm offer of credit or insurance.(PRM inquiries remain for twelve months.) AM or AR Inquiries with these prefixes indicate a periodic review of your credit history by one of your creditors.(AM and AR inquiries remain for twelve months.) EMPL Inquiries with this prefix indicate an employment inquiry. (EMPL inquiries remain for 24 months) PR Inquiries with this prefix indicate that a creditor reviewed your account as part of a portfolio they are purchasing.(PR inquiries remain for 12 months.) Equifax or EFX Inquiries with these prefixes indicate Equifax's activity in response to your contact with us for a copy of your credit file or a research request. ND Inquiries with this prefix are general inquiries that do not display to credit grantors.(ND inquiries remain for 24 months.) ND MR Inquiries with this prefix indicate the reissue of a mortgage credit file containing information from your Equifax credit file to another company in connection with a mortgage loan.(ND inquiries remain for 24 months.) Negative Accounts Accounts that contain a negative account status. Accounts not paid as agreed generally remain on your credit file for 7 years from the date the account first became past due leading to the current not paid status. Late Payment History generally remains on your credit file for 7 years from the date of the late payment. You have no negative accounts on file. Collections A collection is an account that has been turned over to a collection agency by one of your creditors because they believe the account has not been paid as agreed. You have no Collections on file. Public Records Public record information includes bankruptcies, liens or judgments and comes from federal, state or county court records. You have no Public Records on file Personal Information The following information is added to your file either when creditors enter requests to view your credit history, or when you report it to Equifax directly. Name:James A. Loubert Social Security Number:XXX-XX-6128 Age or Date of Birth: May 25, 1967 Address Information Current 3821 10TH AVE First Reported 12/20141-ast NENAPLES,FL,34120 Reported 07/18/2016 Former Address'! 2456 44TH ST First Reported 10/2007Last SWNAPLES,FL,34116 Reported 12/01/2014 Former Address2 5256 28TH PL First Reported 02/2013Last SWNAPLES,FL,34116 Reported 08/08/2015 Former Address3 377 LEAWOOD First Reported 12/2006Last CRNAPLES,FL,34104 Reported 05/18/2016 Former Address4 5571 HUNTER BLVD STE First Reported 11/20061-ast DNAPLES,FL,34116 Reported 01/05/2014 Former Address5 37 LEAWOOD First Reported 08/20061-ast CIRNAPLES,FL,34101 Reported 02/22/2011 Former Address6 350 LEAWOOD First Reported 06/20041-ast CIRNAPLES,FL,34104 Reported 02/22/2011 Former Address? 411 LOGAN First Reported 11/2001 Last BLVDNAPLES,FL,34119 Reported 02/22/2011 Other Identification You have no other identification on file. Employment History Last Reported Employment: SUPER; P A C CONSTRUCTION Previous Employment(s): OWNER/OPERATOR/PTNR; PAL CONSTRUCTION OF NAPLESOWNER; PERFECTLY ALL LEGAL CONSTRUCT Alert(s) You have no Alerts on file. Consumer Statement You have no Consumer Statement on file. Dispute File Information If you believe that any of the information found on this report is incorrect, there are 3 ways to launch an investigation about the information on this report. When you file a dispute, the credit bureau you contact is required to investigate your dispute within 30 days. They will not remove accurate data unless it is outdated or cannot be verified. To initiate a dispute online please visit hfps://www.ai.equifax.com To check the status or view the results of your dispute please visit hftps://www.ai.equfax.com How to order your score by phone By law, you are entitled to obtain your credit score. There is a fee of $7.95 to obtain your credit score from Equifax Information Services . To request your credit score, please contact: Equifax Information Services LLC P.Q. Box 105167 Atlanta, GA 30348 or call 1 -877 -SCORE -11 If you are in the process of obtaining a mortgage, you may be entitled to free credit score information. Contact the person making or arranging your loan for further information. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records).Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552. • You must be told if information in your file has been used against you. Anyone who uses a Credit Report or another type of Consumer Report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information. • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: • a person has taken adverse action against you because of information in your credit file; • you are the victim of identity theft and place a fraud alert in your file; • your file contains inaccurate information as a result of fraud; • you are on public assistance; • you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www. consumerfinance.gov/learnmore for additional information. • You have the right to ask for a credit score. Credit scores are numerical summaries of your credit -worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. • You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and file it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to file information it has verified as accurate. • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. • Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need — usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. • You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.gov/learnmore. • You may limit "prescreened" offers of credit and insurance you get based on information in your credit file. Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt -out with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688). • You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. • Identity theft victims and active duty military personnel have additional rights. For more information, visit www.consumerfinance.gov/learnmore. States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. Federal enforcers are: I-YPE OF BUSINESS: ONTACT: 1.a. Banks, savings associations, and credit unions with total . Bureau of Consumer Financial Protection 1700 G Street NW assets of over $10 billion and their affiliates. ashington, DC 20552 3. Such affiliates that are not banks, savings associations, or credit .Federal Trade Commission: Consumer Response Center - nions also should list, in addition to the CFPB CRA Washington, DC 20580 (877) 382-4357 To the extent not included in item 1 above: a. National banks, Office of the Comptroller of the Currency Customer Assistance ederal savings associations, and federal branches and federal roup 1301 McKinney Street, Suite 3450 Houston, TX 77010-9050 gencies of foreign banks State member banks, branches and agencies of foreign banks . Federal Reserve Consumer Help Center P.O. Box 1200 other than federal branches, federal agencies, and insured state Minneapolis, MN 55480 ranches of foreign banks), commercial lending companies owned r controlled by foreign banks, and organizations operating under ection 25 or 25A of the Federal Reserve Act .Nonmember Insured Banks, Insured State Branches of Foreign c. FDIC Consumer Response Center 1100 Walnut Street, Box #11 anks, and insured state savings associations ansas City, MO 64106 Federal Credit Unions . National Credit Union Administration Office of Consumer rotection (OCP) Division of Consumer Compliance and Outreach DCCO) 1775 Duke Street Alexandria, VA 22314 3. Air carriers sst. General Counsel for Aviation Enforcement & Proceedings viation Consumer Protection Division Department of ransportation 1200 New Jersey Avenue, SE Washington, DC 0590 4. Creditors Subject to Surface Transportation Board ce of Proceedings, Surface Transportation Board Department f Transportation 395 E Street, SW Washington, DC 20423 5. Creditors Subject to Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Administration area supervisor 6. Small Business Investment Companies Associate Deputy Administrator for Capital Access United States Small Business Administration 409 Third Street, SW, 8th Floor Washington, DC 20416 7. Brokers and Dealers Securities and Exchange Commission 100 F Street NE ashington, DC 20549 8. Federal Land Banks, Federal Land Bank Associations, Federal rm Credit Administration 1501 Farm Credit Drive McLean, VA Intermediate Credit Banks, and Production Credit Associations 102-5090 [Federal 9. Retailers, Finance Companies, and All Other Creditors Not C Regional Office for region in which the creditor operates or Listed Above Trade Commission: Consumer Response Center - FCRA ashington, DC 20580 (877) 382-4357 Remedying the Effects of Identity Theft You are receiving this information because you have notified a consumer reporting agency that you believe that you are a victim of identity theft. Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information, without authority, to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name. For more information, visit www.consumerfinance.gov/leammore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552. The Fair Credit Reporting Act (FORA) gives you specific rights when you are, or believe that you are, the victim of identity theft. Here is a brief summary of the rights designed to help you recover from identity theft. 1. You have the right to ask that nationwide consumer reporting agencies place "fraud alerts" in your file to let potential creditors and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. You may place a fraud alert in your file by calling just one of the three nationwide consumer reporting agencies. As soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file. • Equifax: 1-800-525-6285; www.equifax.com • Experian: 1-888-397-3742; www.experian.com • TransUnion: 1-800-680-7289; www.transunion.com An initial fraud alert stays in your file for at least 90 days. An extended alert stays in your file for seven years. To place either of these alerts, a consumer reporting agency will require you to provide appropriate proof of your identity, which may include 4 your Social Security number. If you ask for an extended alert, you will have to provide an identity theft report. An identity theft report includes a copy of a report you have filed with a federal, state, or local law enforcement agency, and additional information a consumer reporting agency may require you to submit. For more detailed information about the identity theft report, visit www.consumerfiinance.gov/learnmore. 2. You have the right to free copies of the information in your file (your "file disclosure"). An initial fraud alert entitles you to a copy of all the information in your file at each of the three nationwide agencies, and an extended alert entitles you to two free file disclosures in a 12 -month period following the placing of the alert. These additional disclosures may help you detect signs of fraud, for example, whether fraudulent accounts have been opened in your name or whether someone has reported a change in your address. Once a year, you also have the right to a free copy of the information in your file at any consumer reporting agency, if you believe it has inaccurate information due to fraud, such as identity theft. You also have the ability to obtain additional free file disclosures under other provisions of the FCRA. See www.ftc.gov/credit. 3. You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A business may ask you for proof of your identity, a police report, and an affidavit before giving you the documents. It also may specify an address for you to send your request. Under certain circumstances, a business can refuse to provide you with these documents. See www.consumer.gov/idtheft. 4. You have the right to obtain information from a debt collector. If you ask, a debt collector must provide you with certain information about the debt you believe was incurred in your name by an identity thief - like the name of the creditor and the amount of the debt. 5. If you believe information in your file results from identity theft, you have the right to ask that a consumer reporting agency block that information from your file. An identity thief may run up bills in your name and not pay them. Information about the unpaid bills may appear on your consumer report. Should you decide to ask a consumer reporting agency to block the reporting of this information, you must identify the information to block, and provide the consumer reporting agency with proof of your identity and a copy of your identity theft report. The consumer reporting agency can refuse or cancel your request for a block if, for example, you don't provide the necessary documentation, or where the block results from an error or a material misrepresentation of fact made by you. If the agency declines or rescinds the block, it must notify you. Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the debt for collection. 6. You also may prevent businesses from reporting information about you to consumer reporting agencies if you believe the information is a result of identity theft. To do so, you must send your request to the address specified by the business that reports the information to the consumer reporting agency. The business will expect you to identify what information you do not want reported and to provide an identity theft report. To learn more about identity theft and how to deal with its consequences, visit www.consumer.gov/idtheft, or write to the FTC. You may have additional rights under state law. For more information, contact your local consumer protection agency or your state attorney general. In addition to the new rights and procedures to help consumers deal with the effects of identity theft, the FCRA has many other important consumer protections. They are described in more detail at www.ftc.gov/credit. Your Rights Under State Law Florida Consumers Have the Right to Place a Security Freeze You have a right to place a "security freeze" on your consumer report, which will, except as provided by law, prohibit a consumer reporting agency from releasing any information in your consumer report without your express authorization. A security freeze must be requested in writing by certified mail to a consumer reporting agency. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. YOU SHOULD BE AWARE THAT USING A SECURITY FREEZE TO CONTROL ACCESS TO THE PERSONAL AND FINANCIAL INFORMATION IN YOUR CONSUMER REPORT MAY DELAY, INTERFERE WITH, OR PROHIBIT THE TIMELY APPROVAL OF ANY SUBSEQUENT REQUEST OR APPLICATION YOU MAKE REGARDING A NEW LOAN, CREDIT, MORTGAGE, INSURANCE, GOVERNMENT SERVICES OR PAYMENTS, RENTAL HOUSING, EMPLOYMENT, INVESTMENT, LICENSE, CELLULAR PHONE, UTILITIES, DIGITAL SIGNATURE, INTERNET CREDIT CARD TRANSACTION, OR OTHER SERVICES, INCLUDING AN EXTENSION OF CREDIT AT POINT OF SALE. When you place a security freeze on your consumer report, you will be provided a personal identification number or password to use if you choose to remove the freeze on your consumer report or authorize the release of your consumer report for a designated period of time after the security freeze is in place. To provide that authorization, you must contact the consumer reporting agency and provide all of the following: 1. 'The personal identification number or password. 2. Proper identification to verify your identity. 3. Information specifying the period of time for which the report shall be made available. 4. Payment of a fee authorized by this section. A consumer reporting agency must authorize the release of your consumer report no later than 3 business days after receiving the above information. A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account, that requests information in your consumer report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements. You have the right to bring a civil action against anyone, including a consumer reporting agency, who fails to comply with the provisions of s. 501.005, Florida Statutes, which governs the placing of a consumer report security freeze on your consumer report. A security freeze request must be mailed via certified mail to: Equifax Security Freeze P.O. Box 105788 Atlanta, Georgia 30348 Or, you may contact us on the web at equifax.com or call 800-685-1111. The fee to place a security freeze is $10.00. If you are a victim of identity theft and you submit a copy of a valid investigative or incident report or complaint with a law enforcement agency about the unlawful use of your identifying information by another person, no fee will be charged. If you are sixty-five years of age or older, no fee will be charged. Include your complete name, complete address, social security number, date of birth and payment, if applicable. Written confirmation of the security freeze will be sent within 10 business days of receipt of the request via first class mail. It will include your unique personal identification number and instructions for removing the security freeze or authorizing the release of your credit report for a specific period of time. Equifax offers you personal credit products that enlighten, enable and empower you. Whether you are managing your credit, protecting your identity or preparing for a major purchase, Equifax offers the tools you need to make the smartest choices possible. For more information visit www.Equifax.com. Co tier County COLLIER COUNTY GOVERNMENT 2800 NORTH HORSESHOE DRIVE GROWTH MANAGEMENT DIVISION NAPLES, FLORIDA 34104 www.collierciov.net (239) 252-2400 FAX (239) 252-6358 D. There shall be no receiving of goods or materials other than normal delivery by the U.S. Postal Service or similar carrier. E. Parking or storage of commercial vehicles or equipment shall be allowable only in compliance with the requirements for commercial vehicles in the County Code. F. The on-site use of any equipment or materials shall not create or produce excessive noise, obnoxious fumes, dust, or smoke. G. The on-site use of any equipment or tools shall not create any amount of vibration or electrical disturbance. H. No on-site use or storage of any hazardous material shall be kept in such an amount as to be potentially dangerous to persons or property outside the confines of the home occupation. I. There shall be no outside storage of goods or products, except plants. Where plants are stored, no more than fifty (50) percent of the total square footage of the lot may be used for plant storage. J. A home occupation shall be subject to all applicable County occupational licenses and other business taxes. I, the undersigned, hereby affirm that l am the legal owner of the property at the above address or that l have the legal right to conduct the business described above at this address by virtue of my leasehold interest in this property, and that I have read, understood, and agree to abide by the provisions of LDC Section 5.02.00 "Home Occupations". Applicant Signature Zoning: Date The following to be completed by County Staff: Property ID #: ❑ Approved ❑ Hold ❑ Denied Staff Reviewer Tax Collector Staff Business Tax License #: Clerks Initials: Date: Date ❑ Horseshoe ❑ Greentree 1/14/2014 Page 2 of 2 f y SECTION A, B, AND C FOR OFFICE USE ONLY THIS SECTION TO BE FILLED OUT BY CONTRACTORS/BCC LICENSING BOARD SECTION A Classification of Contractor: County Certification Number: Department Supervisor Date: THIS SECTION TO BE COMPLETED BY PLANNING SERVICES SECTION B Business is an in-home occupation and the applicant has agreed to adhere to the requirements as set forth in the Collier County Zoning Ordinance. Business DOES COMPLY with the Collier County Zoning Ordinance. Signed: _ Comments: Title: PROPERTY ZONED Date: THIS SECTION TO BE COMPLETED BY THE HEALTH DEPARTMENT SECTION C Signed: Business DOES COMPLY with the local and/or State requirements. Title: Date: In accordance with Florida Statute 205.0535(5), we require you to provide us with either a Federal Employer Identification Number (FEIN) or a Social Security number. Coill"er County COLLIER COUNTY GOVERNMENT 2800 NORTH HORSESHOE DRIVE GROWTH MANAGEMENT DIVISION NAPLES, FLORIDA 34104 www.colliergov.net (239) 252-2400 FAX (239) 252-6358 D. There shall be no receiving of goods or materials other than normal delivery by the U.S. Postal Service or similar carrier. E. Parking or storage of commercial vehicles or equipment shall be allowable only in compliance with the requirements for commercial vehicles in the County Code. F. The on-site use of any equipment or materials shall not create or produce excessive noise, obnoxious fumes, dust, or smoke. G. The on-site use of any equipment or tools shall not create any amount of vibration or electrical disturbance. H. No on-site use or storage of any hazardous material shall be kept in such an amount as to be potentially dangerous to persons or property outside the confines of the home occupation. I. There shall be no outside storage of goods or products, except plants. Where plants are stored, no more than fifty (50) percent of the total square footage of the lot may be used for plant storage. J. A home occupation shall be subject to all applicable County occupational licenses and other business taxes. 1, the undersigned, hereby affirm that l am the legal owner of the property at the above address or that I have the legal right to conduct the business described above at this address by virtue of my leasehold interest in this property, and that l have read, understood, and agree to abide by the provisions of LDC Section 5.02.00 "Home Occupations". Applicant Signature Zoning: Date The following to be completed by County Staff: Property ID #: ❑ Approved ❑ Hold ❑ Denied Staff Reviewer Tax Collector Staff: Clerks Initials: Business Tax License #: Date: Date ❑ Horseshoe ❑ Greentree 1/14/2014 Page 2 of 2 ' Natalina Capone 8288 Key Royal Lane # 1422 — Naples, FL 34119 To : Collier County Licensing Board I am submitting my application for you review requesting to be a qualifier for a second entity tile and marble contractor and floor covering contractor. I have been in the construction industry over 20 years and have acquired a vast amount of skills and knowledge over the years. I am a hard worker and go out of my way to make clients happy. That has gained me a good reputation. I thank you and appreciate your consideration. Sincerely, Natalina Capone P.M.T. of Naples Inc. Business Plan Our Mission: Our mission is to provide homeowners with the best quality installation and have 100% customer satisfaction. Our intention is to rise above the rest with ours skills, and knowledge so that we build our clientele based on trust. Company Ownership/Management: Silviu Porneala is 100% Business owner, Lead Installer, Sales and Natalina Capone Will be his office manager, estimator and Job Supervision and coordinator. Location: The Business will be operated out of the owner's home at: 8851 W. Colonnades Ct. #124 Bonita Springs, FL 34134 Description of Business: We are currently a cleaning company that works with builders and residential customers. We are now going to offer our floor installation services; tile, marble, wood and carpet. We want to offer Installation only, and will send clients to material showrooms where they can pick and purchase materials directly. Hours of Operation: Monday through Friday: 8 am to 4 pm Saturdays: 9 am to 12 noon Sundays: Closed Suppliers: Shoreline Flooring Supplies, Lowe's Home Depot, and Ace Hardware Store. Objective /Marketing Plan: Our Plan is to have a healthy growth of about 25% a year. But expect a 50% jump in the next six months. We have been promised some jobs once we get our license. The floor installation bids are bigger contracts. We have friendships and relationships with other installation companies where we can offer our services as their subcontractors. We expect to get some our business increase -from that. We also have relationships with a large distributor of carpet and wood and the that is willing to give us jobs once we are licensed. We expect to get over one hundred thousand dollars in installations from them as well this year. We have also been given an opportunity to bid a commercial hotel project for next year, which is over $90,000.00 contract we will be pursuing. The flooring industry in Naples area is growing so fast. There aren't enough good installers. Being able to be a one stop shop of installing the floors and cleaning them correctly once the job is done gives clients a new level of trust that their investment is being handled properly by a professional. When the home is complete and handed over to the client it allows us to increase our client base and provide clients with professional cleaning services, after the job is done. This is allows us to provide maintenance contracts of sealing floors, and repairs as well. Competition: We have secured competent installers, and we can provide a competitive price in order to compete in the market place. Strategy & Implementation: Our strategy is to work our current friends and relationship in the industry and offer our subcontractor services to all current floor covering companies. We will contact our cleaning clients and let them know about our new services and see if anyone is thinking of getting any new floors or baths done. We will also contact builders to get on their bid list and do our best to get as much business as we can handle. Income Projection: We are currently selling over $128,000 a year. We expect to double that this year, since we are starting to go into "season". Our goal is to sell $ 250,000.00 and have two Installation and construction cleaning crews. In the next 5 years we would like to grow to a goal of $ 500,000.00. PROFIT LOSS PROJECTION Income $ 250,000.00 Cost of Goods Sold Setting Materials $ 22,000.00 Supplies $ 9,000.00 Independent Contrcators $ 39,000.00 Gross Profit $ 180,000.00 Expenses Auto Maintenance Repar $ 2,500.00 Fuel $ 13,000.00 Computer Miantenance & Software $ 1,660.00 Dues & subscription $ 400.00 Insurance Liability Insurance $ 948.00 Workmen's Comp $ 7,614.00 Auto $ 2,820.00 Office Supplies $ 600.00 Payroll Expenses $ 62,039.64 Payroll Taxes 14693.64 Rent Expense $ 12,000.00 Storage Rental $ 1,800.00 Telephone/Internet $ 5,160.00 Utilities $ 1,200.00 Total Expenses $ 126,435.28 Net Income $ 53,564.72 BALANCE SHEET PROJECTION ASSETS Checking Account $ 54,000.00 Accounts Receivables $ 25,000.00 Total Assets $ 79,000.00 LIABILITIES & EQUITY Accounts Payable $ 6,820.00 Auto Loan $ 39,180.00 Equipment loan ( Saws - polishing machines) $ 18,000.00 Total Liabilities $ 64,000.00 Equity Member Equity $ 15,000.00 Total Liabilities and Equity $ 79,000.00 SURFACES June 20th, 2016 -7 Signature Surfaces LC �2 / -f�)2 1035 Collier Naples, Florida 34110 t 239.593.8190 f 239.566.2116 c 239.370.8651 I Fernando Garcia of Signature Surfaces LLC, am aware that Natalina Capone, the person qualifying my current business is seeking to qualify a second entity: PMT of Naples Inc., owned by Silviu Porneala. Sincerely, Fernando Gar( Signature Surfaces LLC w a SURFACES June 201h, 2016 1;';, 2016 g 'l P Signature SurfacesELY:.................. 1035 Collier Center Way Suite 4 Naples, Florida 34110 t 239.593.8190 f 239.566.2116 c 239.370.8651 I Silviu Porneala of PMT Tile of Naples Inc., am aware that Natalina Capone, the person qualifying my current business is also a qualifying Signature Surfaces LLC, owned by Fernando Garcia. Sincerely, Silviu Porneala PMT of Naples Inc. Co�-� Cou�r�.ty GMD Operations & Regulatory Management Licensing Section 2800 North Horseshoe Drive Naples, FL 34104 14 � APPLICATION FOR COLLIER COUNTY/CITY OF NAPLES/CITY OF MARCO FIRM -SECOND ENTITY INSTRUTIONS: This application must be typewritten or legibly printed. The application fee must be paid upon approval and is not refundable. All checks should be made payable to: Collier County Board of County Commissioners. For further information, consult Collier County Ordinance No. 90-105, as amended. NAME OF COMPANY CURRENTLY QUALIFIED: Exact Corporate/Business Name: S IG NA 9 S t1 A-F�Ge S LL -C - Fiction Name/ DBA: Qualifier Name: Physical Address: 1030 rill, I e4t Ce. I),i 7 - I "/ I a- (Number & Street) (City) (State) (Zip Code) Mailing Address: *TL's' (Number & Street) (City) (State) (Zip Code) Telephone: a3 (� �! 3-900 E-mail: ,St W ltf?3_a J lc © Co wwsf Kal-- TYPE OF LICENSE: _ General $230.00 Electrician Building $230.00 Plumber Residential $230.00 Air Conditioner Mechanical $230.00 Swimming Pool Roofing $230.00 Specialty 1 tY Trade: T1�-- � Specialty �1� p � cjvu.1-n CHANGE OF STATUS: ( ) Reinstatement ( ) From One Business to Another $ 230.00 $230.00 $230.00 $230.00 �$205�00_x_� Application Fee $105.00 ( ) Dormant License to Active (V91 BY: ....................... The names, titles, home address and phone numbers of all Officers/Managing Members of the Firm. ,yam �' ,oY Q; � rs pl�( List all businesses, firms, entities or contracting businesses you have been associated with during the last ten years (i.e. held a license for or been a partner). Attach extra pages if needed. � Ami U te=e 3. List all debts you or any company(s) associated with you that you refused to pay and the reasons for the refusal to pay. Attach extra pages if needed. n� AFFIDAVIT Under the penalties of perjury I declare that I have read the Kf--t facts stated in it are true. prize i The foregoing instrument as acknowledged before me this /`3�/t (Date) and that the by �%z.i��� nib 6 aket, of S I & N &N aC &4FA GCS LI-5— (Name of Officer, Title/ Agent) (Name of Corporation) a [ o fZ t a Pr Corporation on behalf of the corporation. (State or Place of Corporation) He/She has produced -PJ�W 11)11A44'y kA dentification and did not take an oath. (Type of identification) NOTARY'S SEAL (SIGN AU TR I✓ OF NOT A R Y) ON Bp�O':hti QUALIFIER h-h (i-Ita- Address: INFORMATION: Name: 0 XY (Number & Streak) C",OA O?�, Telephone: a3 / - A 110 6��- SS#: Driver's License #: (/ _ #jqzZ= ��1 �, F� 3q -[(,c (City) (State) (Zip Code) Date • 1 .h '• 1. Type of Certificate of Competency for which application is made. -7--ile, at,- of x A-61 e- 2. The names and telephone numbers of two persons who will know your whereabouts. 0139- 3-/0_4T(057/ 3. Have you ever been convicted of a crime related to Contracting? /UO (If yes, attach extra sheet with explanation.) 4. Have you or any firms you have been associated with ever filed bankruptcy? .S 5. List all debts you or any company(s) associated with you that you refused to pay and the reasons for the refusal to pay and reasons why. 6. List ttyour business or work experience during the last ten years. / 7 - JAC;P440;0,Y_ . Statement of any formal training you have had in the area for which the application is made. 'ATTACH A RECEN PHOT6ZOF QUA 1ER. PHOTO ST E FULL - FAC D APPRO MATEL "Z"x 211 . GMD Operations & Regulatory Management Licensing Section 2800 North Horseshoe Drive Naples, FL 34104_) APPLICATION TO QUALIFY SECOND ENTITY THIS FORM MUST BE COMPLETED IF YOU WITH TO INITIANTE OR CHANGE THE STATUS OF AN EXISTING LICENSE. READ ALL INSTRUCTIONS AND MAKE SURE YOU HAVE SIGNED WHERE INDICATED. TYPE OR PRINT IN INK. NAME OF COMPANY V Exact Corporate/Business Name: Fiction Name/ DBA: Qualifier Name: 0 Physical Address: �� _ �' COAA40uM "` �a� ��i ' (Number & Street (City) (State) (Zip Code) 3613 Mailing Address: (Number & Street) (City) (State) (Zip Code) Telephone: 13 l - opt 1 — 6Y7a- E-mail: ��4�A f"__ ®�c Federal ID Tax Number: q-7 K g I 177.3 ALL APPLICANTS MUST APPEAR BEFORE THE CONTRACTOR LICENSING BOARD FOR FINAL APPROVAL. THE BOARD, AT THEIR SOLE DISCRETION, MAY REQUIRE ADDITIONAL DATA IN ORDER THAT THE WELFARE OF THE CONSUMER IS PROTECTED AT ALL TIMES. AFFIDAVIT It is understood and acknowledged by the Collier County Contractor's Licensing Board and myself that if I fail to acquire, or maintain at all times effective Workmen's Compensation Insurance it will result in the possible revocation of my Certif cat of Competency. Sign e of Applicant Business Name 6 Date BEFORE ME this day personally appeared Ae, who affirms and says that he/she has less than one employee and does not require Workmen's Compensation and understands that at any time he/she employs one or more persons he/she must obtain said Workmen's Compensation Insurance. State of Florida County of rw�joA The foregoing instrument as acknowledged before me this (:::;p /?O/� (,v (Date) � rNl� ��t, who has produced �� i Sa,(� IG r0 w by of identification) (name -of person acknowledging) (type as identification and did oath. NO wry (ice` p,UO yrpet�+ . IL T,11. (SIGAT OF NOTARY) AFFIDAVIT The undersigned hereby makes application for Certificate of Competency under the provisions of Collier County No. 2006-46, as amended, and under penalties of perjury. I declare that I have read the foregoing qualifier information and that the facts stated in it are true. The undersigned hereby certifies that he is legally qualified to act on behalf of the business organization sought to be licensed in all matters connected with its contracting business and that he has full authority to supervise construction undertaken by himself or such business or organization and that he will continue during this registration to be able to so bind said business. organization. The qualified license holder understands that in all contracting matters, he/she will be held strictly accountable for any and all activities involving his license. Any willful falsification of any information contained herein is grounds for disqualification. Applicant (please print) iAl7w Nom% c . Name of Company Sip ature of Applic State of Florida County of 14 lr� The foregoing instrument as acknowledged before me this by G p � who has produced (name of person acknowledging) as identification and did not take an oath. 4e13 -P /l 6 (Date) p,e1u®,j19 u, y A J0-0 J (type of identification) NOTAfR = P *' EX�p1FE5SA Pu wutide (SIGNA � OF NOTARY) -�: <c nary �';':.._...i3�: gondedTt+NNO QUESTIONNAIRE FOR QUALIFYING A SECOND ENTITY THIS FORM MUST BE COMPLETED BY THE APPLICANT REQUESTING TO QUALIFY A SECOND ENTITY OR REQUESTING A CHANGE TO AN EXISTING SECOND ENTITY QUALIFICATION. THE APPLICANT RE INDICATED. USE THIS SHEET, AND ADDITIONAL IONAL SHEEOF ALL � F NECESSARY.ANIES D MUST SIGN WHE 1. Explain why you wish to maintain your present license(s) while qualifying this additional business. U�-c�a� p "e_� 40 / 2. Has the proposed entity been previously qualified? If so, explain why the previous qualifier is no longer willing to continue to qualify this entity. No 3. If the proposed entity has been qualified within the last 12 months, list the three jobs completed by the proposed entity. Include dates of completion, address, description of work, name of previous aualifier and name of owner. - 4. List the last three jobs completed by you under your existing license. Include dates of completion, address, description of work, name of previous qualifier and name of owner.��� �OVeZ btCwa�a�n, t�►xr� - �- 5. Do the business(s) you presently qualify and/or wish to qualify have any outstanding liens against them or against the property of consumers as a result of construction. work or a contract they had with your firm? If yes, identify business and provide explanation. YES Np_Z- 6. List principal suppliers for the past six months for the business you presently qualify. • S �dii nom' �! J�� 1 �s bed 49 7. List principal suppliers for the past six months for the business you are applying qualify. �Ome' &�441 8. List persons authorized (currently and in the past 6 weeks) to pull permits .on your license(s). - C exe_1 S7' j(/Gw 100" 9. How are you being paid by the business(s) you presently qualify (salary, % of profit, etc.)? skb4l . 10. How will you be paid by the business you are applying to qualify? 1, J,&a- . 11. What percentage of ownership do you have in the present business(s) you qualify and what percentage of ownership will you have in the business you are attempting to qualify? 1w -e, pu V,1-11 <.t 12. Do you (a plicant) have check writing authority for the present and proposed entities? YES NO If yes, provide a letter from the bank. 13. List all officers/partners/owners of the business you are applying to qualify and position held. S AV iUL u�6� 14. List all officers/partners/owners of the business you presently qualify and position held. DUVY��11- cShcL- 15. Do the business(s) you presently qualify and wish to qualify have any other licenses presently qualifying those businesses? YES NO If yes, list licensee's name, license number and address. T to o !L CaJ t_IL, 16. Submit notarized statements signed by an authorized agent of the entity(s) you presently qualify and from an authorized agent of the proposed entity attesting to the fact that each is aware of what entity you presently qualify, and what entity you are requesting to qualify. FINANCIAL RESPONSIBILITY ALL APPLICANTS/LICENSEES MUST ANSWER THE QUESTIONS BELOW. If you answer yes to any of the questions, a written explanation is required. Additional documentation is also required, as indicated. If you are applying to qualify a corporation, partnership or other legal entity, ALL OFFICERS OF THAT ENTITY MUST ALSO EXPLAIN IF ANY OF THE BELOW WOULD PERTAIN TO THEM. This would include the president, vice president, secretary, and/or partners or owners of the proprietorship. Have you, the business organization, or any of the above mentioned individuals in any capacity ever: YES NO 1. Undertaken construction contracts or work for a third party, such as a bonding or surety company, completed or made financial settlements? 2. Had claims or lawsuits filed, or unpaid or past due accounts by your creditors as a result of construction experience? ✓_ 3. Undertaken construction contracts or work which resulted in liens, suits or judgments being filed? J4. Had a lien filed against you by the Internal Revenue Service or Florida Coporate Tax Division? If yes, you MUST attach a copy of the Notice of Lien, and any payment agreement, satisfaction, Release of Lien or other proof of payment? 5. Made an assignment of assets in settlement of construction obligations for less than the debts outstanding? _ 6. Been charged with or convicted of acting as a contractor without a license, or if licensed as a contractor in this or any other state, been "subject to" disciplinary action by a state, county, or municipality? If yes, you must attach a copy of any state, county, municipal or out of state disciplinary order of judgment. d 7. Filed for or been discharged in bankruptcy within the past five years? If yes, you must attach a copy of the Discharge Order, Order Confirming Plan, or if a Corporate Chapter 7 case, a copy of the Notice of Commencement. /8. Been convicted or found guilty of, or entered a plea of nolo contendere to, regardless of adjudication, a crime in any jurisdiction with the past 10 years? NOTE: IF YOU, THE APPLICANT/LICENSEE, HAVE HAD A FELONY CONVICTION, PROOF THAT YOUR CIVIL RIGHTS HAVE BEEN RESTORED WILL BE REQUIRED PRIOR TO LICENSURE. RESOLUTION OF AUTHORIZATION WHEREAS � j OT A"4 66. proposes to engage (Name of Business Entity) in contracting as CIO `o nl of legal entity: corp., partnership, etc.) in Collier County, Florida, accordin fto Cooly � Mo County Ordinance 2006--46, as amended: and WHEREAS /VVt(zjd&C• Proposes to qualify (Name of Business /Entity) for a Certificate of Competency with 1(fa-{u ir11Gc- G 04 e— (Name of Indivi ua1) NOW, THEREFORE, BE IT HEREBY RESOLVED THAT: We the undersigned S/ )1(l MA- Y00A-of j (Officers, Owners, Partners) �iVL� d F hereby resolve and represent to the Collier County (Name of Business Entity) r �� Contractor's Licensing Board that the qualifying agent, is active (NNAai of Individual) in all matters connected with the contracting business of )'`/ry► d f % l"IP,! and (Name of Business Entity) We further resolve and represent that 0,1 — is ,, (Name of Indi dual) Legally empowered to act for �� d ' V % "J& 41#V— . in all matters connected with its (Name of Business Entity) contracting business, and has the authority to supervise construction undertaken by -P/h,r (2-(- A]"J e& 4me- (Name of Business'Entity) ,3 Q DAY OF J �G DULY PASSED AND ADOPTED THIS Witness Witness Witness (Officers, Partners, Owners- with designation underneath) Corporate Seal (if applicable) or Notary Public Certificate Sworn to and subscribed before me this 30 day of Z of by The foregoing instrument as acknowledged before me this D(Date) b who has produced O4AX•,Ji°L-y y .,o .f r orcnn arknnSarle( i (type of identification) as N( 1 (SIG ATURE OF NOTARY) I -'-CREDIT CHEI CK CONFIDENTIAL Individual Credit Report 7ame.... : CAPONE, NATALINA Ordered By: Customer :9999 address : 8288 KEY ROYAL LANE I Received :06/20/16 NAPLES, FL 34119Completed :06/20/16 Social #: Applicant 6733 CREDIT RECORD ;Credit history has been checked for a period of seven years or from open date.) Creditor Date Date High Unpaid Past Pay Historic Stat Current I40s Account Number Reported opened ! Credit Balance Due Terms 30 60 90 Status Rev ECOA 3BY/CBNA AS AGREED 06/16 07/14 985 0 0 REV 00 00 00 R1 22 A DLA=05/15 .B/AVENUE CUR WAS 30 01/16 06/14 113 0 0 REV 0100 00 R1-* 18 A DLA=12/15 :B/AVENUE AS AGREED 01/08 07/04 182 PAID 0 REV 00 00 00 R1 41 A DLA=03/07 ;B/LNBRYNT DLA=05/16 ".B/PIER1 DLA=03/15 'HASE-PIER1 DLA=03/12 :OMMUNITY BK DLA=06/07 'RDT FIRST DLA=04/15 :REDITONEBNK DLA=06/16 AS AGREED 05/16 10/09 605 71 0 27 0000 00 R1 48 A AS AGREED 06/16 04/12 342 123 0 6 0000 00 R1 48 A 03/12 07/98 07/07 03/07 342 PAID 0 PAID 04/15 12/12 1400 PAID 06/16 07/11 2377 2027 AS AGREED 0 REV 0000 00 R1 48 A AS AGREED 0 REV 0000 00 R1 03 A AS AGREED 0 REV 00 00 00 R1 28 A AS AGREED 0 102 00 00 00 R1 48 A ordered by: APPLICANT - SEE NAME ABOVE 2eporting Agency: Credit Check, Inc. - 3017 Exchange Court, Suite H, West Palm Beach, FL 33409 . (561) 616-5556 sM REDIT CHr"' K 7 C CONFIDENTIAL dame....: CAPONE, NATALINA Customer: 9999 Page: 2 CREDIT RECORD ,Credit history has been checked for a Deriod of seven years or from open date.) Creditor Date Date High Unpaid Past Pay Historic Stat 30 60 90 Current Status 110s Rev ECOA Account Number Reported Opened Credit Balance Due Terms AS AGREED FST PREMIER 05/16 11/10 710 575 0 30 0000 00 R1 48 A DLA=05/16 3M FINANCIAL ;MFINANCIAL DLA=05/16 KAY JEWELERS DLA=12/12 .4ABT RETAIL DLA=08/14 PROSPER DLA=05/16 SALLIE MAE DLA=08/11 SYNCB/CARECR DLA=09/13 SYNCB/HDFURN DLA=05/16 TDRC/ASHLEY DLA=06/15 08/06 03/04 12516 CLOSED 05/16 06/15 10693 7403 12/12 12/10 0 PAID 08/14 06/12 0 PAID 05/16 07/15 15000 12960 07/11 10/06 6000 CLOSED NO STATUS 0 0 00 00 00 I1 28 A AS AGREED 0 274 0000 00 I1 10 A AS AGREED 0 REV 00 00 00 R1 24 A AS AGREED 0 REV 0000 00 R1 25 A AS AGREED 0 300 0000 00 I1 10 A AS AGREED 0 0 00 00 00 I1 48 C AS AGREED 06/16 06/12 1925 0 0 REV 0000 00 R1 47 A AS AGREED 06/16 12/12 4344 244 0 91 0000 00 R1 41 A AS AGREED 06/15 11/14 861 0 0 REV 0000 00 R1 07 A Total trade lines on this report: 19 PUBLIC RECORDS: PUBLIC RECORDS HAVE BEEN CHECKED AT THE COUNTY, STATE AND FEDERAL LEVELS WITH Ordered by: APPLICANT - SEE NAME ABOVE Reporting Agency: Credit Check, Inc. - 3017 Exchange Court, Suite H, West Palm Beach, FL 33409 . (561) 616-5556 sm CREDIT CHECK CONFIDENTIAL lame....: CAPONE, NATALINA Customer: 9999 Page: 3 'UBLIC RECORDS: PHE FOLLOWING RESULTS: CLEAR AS OF 06/20/16. 3OURCE(S): EQUIFAX TRANSUNION NQUIRIES: )6/20/16 by CREDIT CHECK (TU) #00630273 SUBJECT ALSO KNOWN AS: ZEPORTED AKA: CATONE,NATALINA, =ORTED AKA: CAPONE,NATALIE, DEPORTED AKA: MARESCA,NATALINA,C, .OMMENTS: FRAUD RECORDS HAVE BEEN SYSTEMATICALLY CHECKED BY THE ABOVE ACCESSED BUREAUS. 3AFESCAN/EQUIFAX, HAWK ALERT/TRANSUNION CHECKED FOR FRAUD. DEPORT WORKED BY RENEE CREDIT SCORE: IPPLICANT FICO SCORE: 686 (scores range from 300 to 850) *** END OF REPORT *** This information is confidential and is not to be divulged except as required by the Fair Credit Reporting Act. This personal report is famished simply as an aid in detemdning the credit desirability of the applicant(s). It is based upon information obtained in good faith by this agency from sources deemed reliable. The accuracy of same, however, is in no way guaranteed. By your acceptance and use of this report, you specifically agree to hold Credit Check, Inc. harmless from any liability whatsoever. Drdered by: APPLICANT — SEE NAME ABOVE Reporting Agency: Credit Check, Inc. - 3017 Exchange Court, Suite H, West Palm Beach, FL 33409 . (561) 616-5556 CREDIT CHECK CONFIDENTIAL Commercial Credit Report Company: SIGNATURE SURFACES, LLC Date. 06/21/16 Cust. No.: 9999 Address: 1030 COLLIER CENTER WAY, SUITE 4 Ordered By: NAPLES, FLORIDA 34110 Page: 1 Telephone: (2 3 9) 593-8190 (X) Limited Liability Company EIN: 20-2960085 PRINCIPALS: AMBR GARCIA, FERNANDO Address: 1030 COLLIER CENTER WAY, SUITE 4 NAPLES, FLORIDA 34110 Social Security Number: - Stock Ownership: 100-1. Address: Social Security Number: Stock Ownership: Address: Social Security Number: Stock Ownership: Address: Social Security Number: Stock Ownership: SIGNATURE SURFACES, LLC was FORMED in the county of COLLIER, state of FLORIDA, on 06/08, 2005. The charter number is L05000056641. The registered agent is GONZALEZ, DON ESQ. of 1820 N. CORPORATE LAKES BLVD., SUITE 201, WESTON, FLORIDA 33326. Offices are LEASED from N/A at N/A per month. The company employs N/A. NET WORTH: ON FILE WITH STATE The company maintains banking relations with EVER BANK The officer handling the account is N/A - NAPLES, FLORIDA Reported for: APPLICANT - SEE NAME ABOVE Reported by: Credit Check, Inc. - 3017 Exchange Court, Suite H, West Palm Beach, FL 33409 . (561) 616-5556 CREDIT CHECK CONFIDENTIAL Commercial Credit Report Company: SIGNATURE SURFACES, LLC Date: 06/21/16 Cust. No.: 9999 Address: 1030 COLLIER CENTER WAY, SUITE 4 Ordered By: NAPLES, FLORIDA 34110 Page: 2 PUBLIC RECORDS WERE CHECKED FOR COLLIER COUNTY, FLORIDA. A SEARCH OF COUNTY, STATE, AND FEDERAL RECORDS HAS BEEN CONDUCTED WITH THE FOLLOWING RESULTS: CLEAR AS OF 06/20/16 - SEVEN YEAR SEARCH. Creditor N/A REMARKS: N/A = NOT APPLICABLE/NOT AVAILABLE REPORT WORKED BY RENEE END OF REPORT_ *** Credit Profile *** Opened High Balance Rating This commercial report is furnished simply as an aid in determining the credit desirability of the applicant(s). It is based upon information obtained in good faith by this agency from sources deemed reliable. The accuracy of same, however, is in no way guaranteed. By your acceptance and use of this report, you specifically agree to hold Credit Check, Inc. harmless from any liability whatsoever. sm CHECK CONFIDENTIAL CIREDIT Individual Credit Report Name....: PORNEALA, SILVIU Address : 8851 WEST COLONNADES CT. BONITA SPRINGS, FL 34135 Social #: Applicant:_ - CREDIT RECORD Ordered By: 1711 Customer :9999 Received :06/20/16 Completed :06/20/16 (Credit history has been checked for a period of seven years or from open date.) Creditor Date Date High Unpaid Past Pay Historic Stat Current Mos Account Number Reported Opened Credit Balance Due Terms 30 60 90 Status Rev ECOA AS AGREED 5/3 BANK CC 05/16 10/14 1031 874 0 35 00 00 00 R1 19 A DLA=05/16 5/3 BANK CC DLA=05/14 :APITAL ONE DLA=05/16 :APITAL ONE DLA=07/14 3ATEWAY 1 DLA=05/16 MIDLAND FUND 05/14 10/13 1127 PAID 05/16 03/16 302 94 08/14 08/12 336 PAID 06/16 12/15 34195 32492 05/16 08/14 )RIGINAL CREDITOR: CITIBANK N A ?ARAGON REV 08/14 07/14 ORIGINAL CREDITOR: MEDICAL 1164 1164 PD WAS 30 0 REV 0100 00 Rl—* 06 A AS AGREED 0 25 00 00 00 R1 01 A PD WAS120 0 REV 02 01 03 Rl—* 23 A AS AGREED 0 660 00 00 00 I1 05 A NO STATUS 0 COLL -- -- -- 09-* 02 A COLLECTION 1091 1091 1091 COLL ---- -- 09-* 00 A ?ARAGON REV COLLECTION 08/14 07/14 872 872 872 COLL -- -- -- 09-* 00 A )RIGINAL CREDITOR: MEDICAL 3ANTANDER AS AGREED 01/16 01/14 22940 CLOSED 0 0 0000 00 I1 23 A DLA=01/16 ordered by: APPLICANT — SEE NAME ABOVE Zeporting Agency: Credit Check, Inc. - 3017 Exchange Court, Suite H, West Palm Beach, FL 33409 . (561) 616-5556 Cd2EDIT CHECK CONFIDENTIAL name....: PORNEALA, SILVIU Customer: 9999 Page: 2 Total trade lines on this report: 9 'UBLIC RECORDS: ?UBLIC RECORDS HAVE BEEN CHECKED AT THE COUNTY, STATE AND FEDERAL LEVELS WITH PHE FOLLOWING RESULTS: CLEAR AS OF 06/20/16. 3OURCE(S): EQUIFAX TRANSUNION NQUIRIES: )6/20/16 by CREDIT CHECK (TU) #00630273 COMMENTS: FRAUD RECORDS HAVE BEEN SYSTEMATICALLY CHECKED BY THE ABOVE ACCESSED BUREAUS. 3AFESCAN/EQUIFAX, HAWK ALERT/TRANSUNION CHECKED FOR FRAUD. ZEPORT WORKED BY RENEE '.REDIT SCORE: kPPLICANT FICO SCORE: 604 (scores range from 300 to 850) *** END OF REPORT *** This information is confidential and is not to be divulged except as required by the Fair Credit Reporting Act. This personal report is furnished simply as an aid in detemrining the credit desirability of the applicant(s). It is based upon information obtained in good faith by this agency from sources deemed reliable. The accuracy of same, however, is in no way guaranteed. By your acceptance and use of this report, you specifically agree to hold Credit Check, Inc. harmless from any liability whatsoever. Jrdered by: APPLICANT - SEE NAME ABOVE Reporting Agency: Credit Check, Inc. - 3017 Exchange Court, Suite H, West Palm Beach, FL 33409 . (561) 616-5556 CREDIT CHECK Commercial Credit Report Company: PMT OF NAPLES INC Address: 8851 WEST COLONNADES COURT, #124 BONITA SPRINGS, FLORIDA 34135 Telephone CONFIDENTIAL Date: 06/21/16 Cust. No.: 9999 Ordered By: Page: 1 (X) Corporation EIN: 47-4991734 PKIN(AVALS: PRESIDENT PORNEALA, SILVIU Address: 8851 WEST COLONNADES COURT, #124 BONITA SPRINGS, FLORIDA 34135 Social Security Number: - Stock Ownership: 100% Address: Social Security Number: Stock Ownership: Address: Social Security Number: Stock Ownership: Address: Social Security Number: Stock Ownership: PMT OF NAPLES INC was INCORPORATED in the county of LEE, state of FLORIDA, on 09/08, 2015. The charter number is P15000074918. The registered agent is PORNEALA, SILVIU of 8851 WEST COLONNADES COURT, #124, BONITA SPRINGS, FLORIDA 34135. Offices are LEASED from N/A at N/A per month. The company employs N/A. NET WORTH: ON FILE WITH STATE The company maintains banking relations with FIFTH THIRD BANK The officer handling the account is N/A - NAPLES, FLORIDA Reportedfor: APPLICANT - SEE NAME ABOVE Reported by: Credit Check, Inc. - 3017 Exchange Court, Suite H, West Palm Beach, FL 33409 . (561) 616-5556 CREDIT CHECK Commercial Credit Report Company: PMT OF NAPLES INC Address: 8851 WEST COLONNADES COURT, #124 BONITA SPRINGS, FLORIDA 34135 CONFIDENTIAL Date: 06/21/16 CUst. No.: 9999 Ordered By: Page: 2 PUBLIC RECORDS WERE CHECKED FOR LEE COUNTY, FLORIDA. A SEARCH OF COUNTY, STATE, AND FEDERAL RECORDS HAS BEEN CONDUCTED WITH THE FOLLOWING RESULTS: CLEAR AS OF 06/21/16 - SEVEN YEAR SEARCH. *** Credit Profile' ** Creditor Opened High Balance Rating N/A REMARKS: N/A = NOT APPLICABLE/NOT AVAILABLE REPORT WORKED BY RENEE END OF REPORT. This commercial report is furnished simply as an aid in determining the credit desirability of the applicen's). tt is based upon Information obtained in good faith by this agenvy from sources deemed reliable. The accuracy of same, however, is in no way guaranteed. By your acceptance and use of this report you specificelly agree to told Credit Check, Inc. harmless from any liability whatsoever. COLLIER COUNTY TIFICATE-OF COMPETENCY loners = , Date, Septegnber 21,,.2015 WA- V, SUITE 4 , ,e r„ n ' J ; m COLLIER COUNTY BUSINESS TAX BUSINESS TAX NUMBER: 142701 COLLIER COUNTY TAX COLLECTOR - 2800 N. HORSESHOE DRIVE - NAPLES FL6RIDA34104 -. (239) 252-2477 VISIT OUR WEBSITE AT: www.colliertax.com TUIc RFCFIPT FXPIRFS SEPTEMBER 30. 2016 NUMBER OF EMPLOYEES: 1-10 EMPLOYEES CLASSIFICATION: TILE & MARBLE CONTRACTOR CLASSIFICATION CODE: 02101901 This document is a business tax only. This is not certification that licensee is qualified. It does notpermit the licensee to violate any existing regulatory zoning laws of the state, county or cities nor does it exempt the licensee from any other taxes or permits that may be required bylaw. ILI DATE 09/21/2015 '_AMOUNT 18.00 RECEIPT 6764.42 COLLIER COUNTY CERTIFICATE OF COMPETENCY CERTIFICATION INFORMATION C27432 Certification Information Collier County Board of County Commissioners DBA: SIGNATURE SURFACES, LLC ADDRESS: 1030 COLLIER CENTER WAY SUITE 4 NAPLES, FL 34110 PHONE: 2395938190 CELL: FAX: LICENSEE NBR: C27432 INSURANCE: General Liability June 21, 2016 Worker's Compensation June 04, 2016 QUALIFIER: CAPONE, NATALINA TYPE: TILE & MARBLE CONTR. CLASS CODE: 4420 ISSUANCE NBR: 201500000991 ORIG ISSD: May 14, 2015 Date: September 21, 2015 EXPIRATION: September 30, 2016 NOTE: It is the Qualifier's responsibility to keep all business, licensing and requirements current and to provide up to date copies for Collier county files. This includes all insurance certificates and any change of address information. Collier County * City of Marco * City of Naples Contractor Licensing TILE & MARBLE CONTR. Cert Nbr: Exp: Status: C27432 09/30/2016 Active SIGNATURE SURFACES, LLC CAPONE, NATALINA 1030 COLLIER CENTER WAY SUITE 4 NAPLES, FL 34110 Signed: COLLIER COUNTY BUSINESS TAX . fER COUNTY TAX COLLECTOR- 2800W HORSESHOE DRIVE - NAPLES BER: 142701, >-247z -:_ VISIT OUR WEBSITE AT yNAv.coiliertax.com - THIS -;RECEIPT. EXPIRES-SEP..TEMBER 30, 2016 z 3 — D[SPE-A PLAGEOF BUSINESS FOR PUBLIC It _ IL URE TO Db 501S CONTRARY TO10CAL LOCATION _ 1030 -.COLLIER CENTER WAY #4 LEGAL FORMTHIS TAX IS NON-REFUNDABLE -- ZONED: INDUSTRIAL _ __ _ ) LLC=�-- BUSINESS PHONE: 593-8190 = SI C�IAURESURFACES LLC_ STATE LIC: C27432 - - CAPCGNE, NATAtINA i — 1030 COLLIER, CENTER WAY 94 NAPLES FL 34110-0000 _r NUM13EROFEMPLOYEES -- -AA0 EM LOYEES � �- w _ _ 1e4 — -Dix--- CLASSIFICAT:ION TILE & MAR6LE-CONTRACTQR =_ �� k _ —A tyiOUNT CLASSIFICATION CODE. 021--q! 01 _ = _ -_ = — RECEIPT T This document is a business tax only. This is not. certification that licensee is qualified atate�cnunty ar cities _ Itddes no�pegniE7he licensee, to violate any existing regulatory zoninglatirsofi=the that maybe req uired byaaw _ nordoes�t exempt[he lcensee1rom any other taxes or perm 4 i _. _ - -- - --� tt9/21/: 67E a Detail by Entity Name Florida Limited Liability Company SIGNATURE SURFACES, LLC Filing Information Document Number FEI/EIN Number Date Filed State Status Last Event Event Date Filed Event Effective Date Principal Address L05000056641 20-2960085 06/08/2005 FL ACTIVE LC AMENDMENT 12/15/2015 NONE 1030 COLLIER CENTER WAY, SUITE 4 NAPLES, FL 34110 Changed: 02/06/2013 Mailing Address 1030 COLLIER CENTER WAY, SUITE 4 NAPLES, FL 34110 Changed: 02/06/2013 Registered Aaent Name & Address GONZALEZ, DON, ESQ. 1820 N. CORPORATE LAKES BOULEVARD SUITE 201 WESTON, FL 33326 Name Changed: 12/15/2015 Address Changed: 12/15/2015 Authorized Person(s) Detail Name & Address Title AMBR GARCIA, FERNANDO 1030 COLLIER CENTER WAY, SUITE 4 NAPLES, FL 34110 Annual Reports Report Year Filed Date 2014 01/28/2014 2015 02/26/2015 2016 03/03/2016 Document Images 03/03/2016 -- ANNUAL REPORT View image in PDF format 02/26/2015 -- ANNUAL REPORT View image in PDF format i 01/28/2014 -- ANNUAL REPORT View image in PDF format 02/06/2013 -- ANNUAL REPORT View image in PDF format { 03/20/2012 -- ANNUAL REPORT _ View image in PDF format 04/21/2011 -- REINSTATEMENT View image in PDF format 04/30/2009 -- ANNUAL REPORT View image in PDF format 04/02/2008 -- ANNUAL REPORT View image in PDF format 07/16/2007 -- Reg. Agent Change View image in PDF format 02/05/2007 -- ANNUAL REPORT View image in PDF format 07/10/2006 -- ANNUAL REPORT View image in PDF format 06/08/2005 -- Florida Limited Liabilites View image in PDF format L005/j&012:DWO ivISk4Zl � r fAX3(0(0%A JP, 041 age l of 1 Florida. Department of State Division ofCorporatious Public Access System Electronic Filing Cover Sheet Note: p1tase priut this page and use it as it cover sheet. Type the fax audit number (shown below') on the tag and bottom of aH pages of the documcat. (((H05000I4258I 3))) Note; 1>0 NOT hit the REMESIIRMOAD button on your browser from this Page. Ming so wW generate another cover sheet. `7'O: Division of Corporations Fax Number : (850)205--0.383 Fzom: ACCOunt: Name J01W MAPPER ISE P.A. O Acco=t Nunber x20050000086 Phone (239) 261-0592 y Fax Number (239)261-4190 a LBUTEDUABILffY COMPANY t L r Signature Surfaces, LLC Karre F.��aiEab:i3iy Examiner t DX �.htbps ifefile-SuDbb Certificate of 5tabis 1 CCrtif=d COPY e Count Fsst ate►i Charge S160.00 o qr.4--q munq� 3�-,;V c rr Q -rte "n M -5/8/2005 i k 2.005MI-1/08ATED 12:16 PM PAULICk SLACK WOLPF PAX No, 239 261 4190 ti ARTICLES OF ORGANIZATION 01 SIGNATURE SURFACES, LLC The undersigned, for the purpose of farming a limited liability company under the Florida Limited Liability Company Act, Chapter 608, Florida Statutes, hmby manes, acknowledges, and files the following Articles of Organization. ARTICLES XANM the name of the limited liability company shall be Signature Surfaces, LLC Mono anp"). be: ARTICLE 11 - ADDRESS The mailing address and street address of the inidal Principal office of the Company shall Signature Surfaces, LLC 1035 Colliear Center Way, Suite 4 Nafiles, Florida 34110 ARTICLE lII - DURATION Tho Company shall commence its existence on the date these articles ofpizaon arc -tied by the Florida Department of State. The Compauy`s existence shall be p�_ M&S thcw,A, Company is earlier dissolved as provided in these articics of organization or in1NC0rHauy's i operating agreement, R APMUCi8 TV - RECISTERED OFFICE AND AGENT Tlbe name and stmt address of the initial registered agent sof the Company Fd to SWe of Florida are: cn Atila Acs 1035 Collier Center Way, Suite 4 Naples, Florida 34110 l 2005/3UH 08/WED 12:16 PM PAULICH SLACK WOLFF FAX Na.239 251 4190 ARTICLE V - TERIL INATION OF )tSTENCI P. 003 The Company shalt be dissolved upon the occurrence of events specified in the Company's Cperaf g A,grtxment. ARTICLE VI - MANAeEMENT The Company shall be managed by a Mwager in accordance with the Operating Agreement adopted by the members for the manWment of the business and afters of the Company. This operating Agreement may oontain any provisions for the regulation and management of the affairs of the Company not inconsistent with law or these Articles of Organization. The tame and address of the initial Manager of the Company is: Atha Aes, Manager 1035 Collier Center Way, Suite 4 Naples, Florida. 34110 ACCEPTANTCE OF The undersigned, being the person named in the Articles of Orgsnization of Signature Surfaces, LLC, Atila Acs, as the registered agent of this limited liability anyl-bereby consents to accopt service of process for the above stated company as rhe place tM t in. the Articles of Organization, and accepts the appointment as registered agant and agr�act, �' this capacity. The undersigned fuxther agrees to comply with the provisions of all staves re Comg 0-70 the proper and complete performance of his duties, and is familiar with 4 eeegis thy" obligations of the position of registered agent. rrl c:) `` _ Ln ACS 2 Detail by Entity Name Florida Profit Corporation PMT OF NAPLES INC Filing Information Document Number FEI/EIN Number Date Filed State Status Principal Address 8851 W COLONNADES CT 124 BONITA SPRINGS, FL 34135 Changed: 04/21/2016 Mailing Address 8851 W COLONNADES CT 124 BONITA SPRINGS, FL 34135 P15000074918 47-4991734 09/08/2015 FL ACTIVE Changed: 04/21/2016 Registered Agent Name & Address PORNEALA, SILVIU 8851 W COLONNADES CT 124 BONITA SPRINGS, FL 34135 Address Changed: 04/21/2016 Officer/Director Detail Name & Address Title PRES PORNEALA, SILVIU 8851 W COLONNADES CT 124 BONITA SPRINGS, FL 34135 Annual Reports Report Year Filed Date 2016 04/21/2016 Document Images 04/21/2016 -- ANNUAL REPORT View image in PDF format 09/08/2015 -- Domestic Profit View image in PDF format .......... ... .. Electronic Articles of Incorporation For PMT OF NAPLES INC P15000074918 FILED September 08, 2015 Sec. Of State msolomon The undersigned incorporator, for the purpose of forming a Florida profit corporation, hereby adopts the following Articles of Incorporation: Article I The name of the corporation is: PMT OF NAPLES INC Article II The principal place of business address: 8851 WEST COLONNAIDES CRT SUITE 124 BONITA SPRINGS, FL. 34135 The mailing address of the corporation is: 8851 WEST COLONNAIDES CRT SUITE 124 BONITA SPRINGS, FL. 34135 Article III The purpose for which this corporation is organized is: ANY AND ALL LAWFUL BUSINESS. Article IV The number of shares the corporation is authorized to issue is: ONE HUNDRED SHARES Article V The name and Florida street address of the registered agent is: SILVIU PORNEALA 8851 COLONNAIDES CRT SUITE 124 BONITA SPRINGS, FL. 34135 I certify that I am familiar with and accept the responsibilities of registered agent. Registered Agent Signature: SILVIU PORNEALA P15000074918 FILED Article VI Sect Of Sttate8, 2015 The name and address of the incorporator is: msolomon SILVIU PORNEALA 8851 COLONNAIDES CRT APT 124 BONITA SPRINGS FL 34135 Electronic Signature of Incorporator: SILVIU PORNEALA I am the incorporator submitting these Articles of Incorporation and affirm that the facts stated herein are true. I am aware that false information submitted in a document to the Department of State constitutes a third degree felony as provided for in s.817.155, F.S. I understand the requirement to file an annual report between January 1 st and May 1 st in the calendar year following formation of this corporation and every year thereafter to maintain "active" status. Article VII The initial officer(s) and/or director(s) of the corporation is/are: Title: PRES SILVIU PORNEALA 8851 COLONNAIDES COURT APT 124 BONITA SPRINGS, FL. 34135 EverBank EverBank 1 11 Oval Drive, Suite 107 1 Islandia, NY 11749 June 291h 2016 Signature Surfaces LLC 1030 Collier Center Way Suite 4 Naples FL 34110-8477 To whom this may concern, This letter is to confirm the EverBank Business Checking account ***** The EverBank Business Checking account has been opened since November 2015, has two authorized signers Natalina Capone and Fernando Gerardo Pereya, and has been held in a satisfactory mannor. If you have any additional questions please feel free to contact our Client Solutions Center via e-mail at serviceCPeverbank.com or by calling 888.882.3837, 24 hours a day, 7 days a week. We will be happy to assist you. Sincerely, Christina Tucci Support Services Associate I Q = , FDIC 12MCM0216 01 C� -_=---_--- -- �1 FIFTH THIRD BANK June 16, 2016 To Whom it May Concern: This letter is to advise that Natalina Capone is an authorized signer on the business account PMT of Naples Inc. 7rely, ari'on Keys -Smith Fifth Third Bank Assistant Vice President 13575 Tamiami Trail N Naples FL 34110 Activity - Deposit Accounts Report Created: 07/05/2016 11:02:47 AM (ET) Account: • "* • Checidng • Signature Surfaces • Accessible $75,587.64 Date range: 6/1/2016 to 6/30/2016 Transaction types: All transactions Detail option: Includes transaction detail • 41111111111111111 • Checking • Signature Surfaces • Accessible $75,587.64 Post Date Reference Additional Reference Description Debit Credit Calculated Balance PAYCHEX-RCX PREAUTHORIZED ACH DEBIT $3,205.32 $97,699.59 06/30/2016 PA PAYCHEX-RCX PAYROLL 160630 66858500002122X ATM DEBIT MERCHANT MERCHANT PURCHASE TERMINAL 461043 ADOBE $14.99 $100,904.91 06/30/2016 PURCHASE TE ACROBAT PRO 800 833 6 CA06-28 -16 SEQ # 618123004044 06/30/2016 1297 1297 CHECK PAID $788.50 $100,919.90 06/30/2016 DEPOSIT $5,616.00 $101,708.40 06/30/2016 DEPOSIT $5,623.87 $96,092.40 06/30/2016 DEPOSIT $9,768.00 $90,468.53 ATM DEBIT MERCHANT MERCHANT PURCHASE TERMINAL 421073 $80.56 $80,700.53 06/29/2016 PURCHASE TE BUILDERS GLASS OF BONITABONITA SP FL06-28 -16 SEQ # 06/29/2016 1296 1296 CHECK PAID $620.00 $80,781.09 06/29/2016 1290 1290 CHECK PAID $1,624.67 $81,401.09 06/29/2016 DEPOSIT $830.00 $83,025.76 ATM DEBIT MERCHANT MERCHANT PURCHASE TERMINAL 469216 $28,90 $82,195.76 06/28/2016 PURCHASE TE READYREFRESH BY NESTLE 800 274 5 CA06-28 -16 SEQ # 06/28/2016 DEPOSIT $3,726.00 $82,224.66 PREAUTHORIZED ACH DEBIT $139.00 $78,498.66 06/27/2016 USAHC 80 USAHC 8008721187 160624 06/27/2016 MERCHANT ATM DEBIT MERCHANT PURCHASE TERMINAL 416407 STAPLES $143.59 $78,637.66 PURCHASE TE DIRECT 800 33333 MA06-24 -16 SEQ # 06/27/2016 1294 1294 CHECK PAID $800.00 $78,781.25 06/27/2016 1293 1293 CHECK PAID $800.00 $79,581.25 06/27/2016 1292 1292 CHECK PAID $5,000.00 $80,381.25 06/27/2016 DEPOSIT $397.47 $85,381.25 06/27/2016 DEPOSIT $5,804.00 $84,983.78 PREAUTHORIZED ACH DEBIT $59.20 $79,079.78 06/24/2016 PAYCHEX EIB IN PAYCHEX EIB INVOICE 160624 PAYX-PIA-WC PREAUTHORIZED ACH DEBIT $242.32 $79,138.98 06/24/2016 WC PAYX-PIA-WC WC -PREMIUM PREAUTHORIZED ACH DEBIT $848.48 $79,381.30 06/24/2016 PAYCHEX TPS TA PAYCHEX TPS TAXES 06/24/2016 1291 1291 CHECK PAID $500.00 $80,229.78 06/24/2016 1295 1295 CHECK PAID $2,000.00 $80,729.78 PAYCHEX-RCX PREAUTHORIZED ACH DEBIT $3,246.50 $82,729.78 06!23/2016 PA PAYCHEX-RCX PAYROLL ATM DEBIT MERCHANT MERCHANT PURCHASE TERMINAL 407314 PARIS $658.41 $85,976.28 06/23/2016 PURCHASE TE CERAMICS AMERICA # 06/23/2016 1289 1289 CHECK PAID $2,375.00 $86,634.69 06/22/2016 1284 1284 CHECK PAID $619.51 $89,009.69 06/22/2016 1272 1272 CHECK PAID $1,192.66 $89,629.20 06/22/2016 DEPOSIT $2,500.00 $90,821.86 06/21/2016 1283 1283 CHECK PAID $2,474.55 $88,321.86 MISCELLANEOUS DEBIT PQ6 PURCHASE POS PURCHASE TERMINAL IN0310 CRACKER $32.62 $90,796.41 X6/20/2016 TE BARREL 10090 DANFORT MYER FL06-18 -16 3:14 PMSEQ # 06/20/2016 1280 1280 CHECK PAID $154.44 $90,829.03 06/20/2016 1285 1285 CHECK PAID $500.00 $90,983.47 06/20/2016 1287 1287 CHECK PAID $800.00 $91,483.47 06/20/2016 1288 1288 CHECK PAID $800.00 $92,283.47 06/20/2016 1276 1276 CHECK PAID $3,320.00 $93,083.47 BOOK TRANSFER DEBIT 06/20/2016 997000620112846 REF 1721128L FUNDS TRANSFER TO DEP 760108544 $6,595.00 $96,403.47 FROM 06/20/2016 DEPOSIT $1,670.00 $102,998.47 06/20/2016 DEPOSIT $9,768.00 $101,328.47 06/20/2016 DEPOSIT $9,775.00 $91,560.47 PREAUTHORIZED ACH DEBIT $56.95 $81,785.47 06!17/2016 PAYCHEX EIB IN PAYCHEX EIB INVOICE PAYX-PIA-WC PREAUTHORIZED ACH DEBIT $227.17 $81,842.42 06/1712016 WC PAYX-PIA-WC WC -PREMIUM PREAUTHORIZED ACH DEBIT $803.38 $82,069.59 06/17/2016 PAYCHEX TPS TA PAYCHEX TPS TAXES 06/17/2016 1286 1286 CHECK PAID $8,500.00 $82,872.97 06/17/2016 DEPOSIT $4,412.80 $91,372.97 PAYCHEX-RCX PREAUTHORIZED ACH DEBIT $3,020.72 $86,960.17 06/16/2016 PA PAYCHEX-RCX PAYROLL 06/16/2016 1269 1269 CHECK PAID $72.90 $89,980.89 MERCHANT ATM DEBIT MERCHANT PURCHASE TERMINAL 478930 DITTO $5.09 $90,053.79 06/15/2016 PURCHASE TE 06/15/2016 1273 1273 CHECK PAID $193.34 $90,058.88 06/15/2016 1282 1282 CHECK PAID $2,173.00 $90,252.22 06/15/2016 DEPOSIT $2,110.00 $92,425.22 06/15/2016 DEPOSIT $15,990.00 $90,315.22 FPL DIRECT PREAUTHORIZED ACH DEBIT $89.62 $74,325.22 06/14/2016 DEBIT EL FPL DIRECT DEBIT ELEC PYMT 160613 06/14/2016 1274 1274 CHECK PAID $10.02 $74,414.84 06/14/2016 1281 1281 CHECK PAID $2,638.62 $74,424.86 DEPOSIT $1,500.00 $77,063.48 06/14/2016 PREAUTHORIZED ACH DEBIT $411.35 $75,563.48 06/13/2016 SANTANDER CO SANTANDER CONSUMER 160613 ATM DEBIT MERCHANT MERCHANT PURCHASE TERMINAL 416407 FEDEX $66.08 $75,974.83 06/13/2016 PURCHASE TE # 06/13/2016 1277 1277 CHECK PAID $759.20 $76,040.91 06/13/2016 1271 1271 CHECK PAID $800.00 $76,800.11 06/13/2016 1275 1275 CHECK PAID $1,000.00 $77,600.11 06/13/2016 1278 1278 CHECK PAID $5,075.00 $78,600.11 06/13/2016 DEPOSIT $2,777.50 $83,675.11 06/10/2016 PAYCHEX EIB IN PREAUTHORIZED ACH DEBIT PAYCHEX EIB INVOICE $56.95 $80,897.61 06/10/2016 PAYX-PIA-WC WC PREAUTHORIZED ACH DEBIT PAYX-PIA-WC WC -PREMIUM $227,17 $80,954.56 06/10/2016 PAYCHEX TPS TA PREAUTHORIZED ACH DEBIT PAYCHEX TPS TAXES $803.37 $81,181.73 06/10/2016 1270 1270 CHECK PAID $500.00 $81,985.10 06/10/2016 DEPOSIT $2,693.90 $82,485.10 06/09/2016 PAYCHEX-RCX PA PREAUTHORIZED ACH DEBIT PAYCHEX-RCX PAYROLL $3,020.73 $79,791.20 06/09/2016 1267 1267 CHECK PAID $716.95 $82,811.93 06/09/2016 DEPOSIT $3,680.00 $83,528.88 06/08/2016 997000608112416 BOOK TRANSFER DEBIT REF 1601124L FUNDS TRANSFER TO DEP 760108544 FROM $3,370.00 $79,84B.88 06/08/2016 DEPOSIT $3,370.00 $83,218.88 06/07/2016 1268 1268 CHECK PAID $1,050.00 $79,848.88 06/07/2016 1262 1262 CHECK PAID $1,056.00 $80,898.88 06/07/2016 1259 1259 CHECK PAID $4,558.58 $81,954.88 06/06/2016 1263 1263 CHECK PAID $500.00 $86,513.46 06/06/2016 1260 1260 CHECK PAID $500.00 $87,013.46 06/06/2016 1261 1261 CHECK PAID $659.20 $87,513.46 06/06/2016 1265 1265 CHECK PAID $700.00 $88,172.66 06/06/2016 1264 1264 CHECK PAID $1,000.00 $88,872.66 06/06/2016 1266 1266 CHECK PAID $2,717.00 $89,872.66 06/06/2016 DEPOSIT $16,784.85 $92,589.66 06/03/2016 PAYCHEX EIB IN PREAUTHORIZED ACH DEBIT PAYCHEX EIB INVOICE $61.45 $75,804.81 06/03/2016 PAYX-PIA-WC WC PREAUTHORIZED ACH DEBIT PAYX-PIA-WC WC -PREMIUM $242.18 $75,866.26 06/03/2016 PAYCHEX TPS TA PREAUTHORIZED ACH DEBIT PAYCHEX TPS TAXES $931.63 $76,108.44 06/03/2016 MERCHANT PURCHASE TE ATM DEBIT MERCHANT PURCHASE TERMINAL 469216 READYREFRESH BY NESTLE 800 274 5 CA06-03 -16 $28.90 $77,040.07 06/03/2016 997000603095437 BOOK TRANSFER DEBIT REF 1550954L FUNDS TRANSFER TO DEP 760108544 FROM $560.00 $77,068.97 06/03/2016 DEPOSIT $560.00 $77,628.97 06/03/2016 DEPOSIT $1,793.90 $77,068.97 06/03/2016 DEPOSIT $2,860.00 $75,275.07 06/03/2016 DEPOSIT $8,500.00 $72,415.07 06/02/2016 PAYCHEX-RCX PA PREAUTHORIZED ACH DEBIT PAYCHEX-RCX PAYROLL $3,614.92 $63,915.07 06/01/2016 DEPOSIT $4,224.00 $67,529.99 06130/2016 Totals $92,441.69 $126,835.29 Ever Sank -statement of Account 00010277-MD02200331nonI076525-1OZ10-000000 0 SIGNATURE SURFACES LLC NMI 1030 COLLIER CENTER WAY SUITE 4 NAPLES FL 34110-8477 March 31 2016 Days in stmt period: 31 0 Page 1 off �6 m Direct Inquiries to: 888-882-3837 EverBank 1185 Immokalee RD. Naples, FL 34110 Summary of Account Balance Account Number Ending Balance Business Checking $71,749.70 Ever Sank -Statement of Account Signature Surfaces LLC ?age 2 of ,6 Business Checking Date Description Additions Subtractions Balance MERCHANT PURCHASE TERMINAL 461043 ADOBE ACROBAT PRO 800 833 6 CA PAYCHEX-RCX PAYROLL 03-03 #Preauthorizedd -23.6 37,713.80 PAYCHEX CGS GARNISH us -u4 ?Fvlsa rurcnase -143. 6,944.05 MERCHANT PURCHASE TERMINAL 442733 SUNBIZ ORG FL F ILIN 850 245 6 FL 03-04 #nnA PurchacP nl�-7 -?c POS PURCHASE TERMINAL 03770822 STAPLES, INC NORTH NAP FL U3-04 #Preauthorized-83 .90 36,1 U5.86 PAYCHEX TPS TAXES 03-04 reaut onze -230.6 s. .17 PAYX-PIA-WC WC -PREMIUM 03-04 #Preauthonzed Wd -56.72 35,818.45 PAYCHEX EIB INVOICE ti 03-07 Check 1128 -1,056.00 34,762. In03-0 hec 30 -1, 33,1 .I. 03-0 C ec 1133 -3, 9,9 .4 0 - Chec 1 4 - 28, 03-07 # isa Purchase 1-12.72 28,3 .23 MERCHANT PURCHASE TERMINAL 478930 DITTO 941 59488 FL 03-04-16 SEQ # Number Date Amount f' 7 03-14 5,570.01 1109* 03-01 2,568.15 1111 ' 03-01 6,117.65 1114* 03-04 1,700.00 y' 1115 03-11 178.34 1118* 03-01 700.00 1119 03-01 900.00 •'" 1120 03-04 2,881.00 % 1121 03-01 8,960.00 1122 03-08 700.00 1123 03-08 1,000.00 1124 03-08 2,000.00 1125 03-04 2,750.00 ' 1126 03-11 1,050.00 1127 03-18 154.42 1128 03-07 1,056.00 1129 03-09 10.02: " 1130 03-07 1,600.00 1131 03-04 1,000.00 - 1132 03-09 59.57 , 1133 03-07 3,250.00 1134 03-07 1,567.50 1135 03-15 2,743.01 ' 1136 03-17 219.14 1137 03-14 500.00 ' 1138 03-16 700.00 1139 03-16 1,000.00 1140 03-15 2,506.00 1141 03-22 380.62 1143 03-18 5,952.96 1144 03-22 2,437.52 1145 03-22 602.91 1146 03-21 2,480.00 ' 1147 03-18 500.00 1148 03-18 1,900.00 , 1149 03-21 1,800.00 1150 03-21 5,000.00 1151 03-21 700.00 1152 03-21 1,000.00 1153 03-22 1,391.98 1154 03-21 350.00 1155 03-23 1,500.00 1156 03-23 650.00 1157 03-24 500.00 1158 03-23 1,696.00 1159 03-29 251.22 1150 03-30 1,000.00 1161 03-30 700.00 1162 03-29 2,340.00 1163 03-28 8,481.00 Skip in cher se– k—quence EverBank Statement of Account Signature Surfaces LLC Page 3 of 6 Date Description Additions Subtractions Balance rvicrcL,n.vi\J i 1 Ut-( ;HASt 1 tFZMINAL 475542 " CKA QUICK LUBE NAPLES FL 03-10 #1recut onze -4,UbU.10 40,337.65 PAYCHEX-RCX PAYROLL UJ -IU reaut onze -23.6 PAYCHEX CGS GARNISH rATt Nth Wt. IAAtS - 03-11 #Preauthorized-268.55 42,611.22 PAYX-PIA-WC WC -PREMIUM recut onzed_ -53.20 42,548.02 PAYCHEX EIB INVOICE U3-14 ;;DDA Purchase 0 POS PURCHASE TERMINAL P1325102 PUBLIX BONITA SP FL 03-14 #Preaut onzed Wd -411.35 , 36,039.56 SANTANDER CONSUMER 160314 03-15 reaut onze - 22 FPL DIRECT DEBIT ELEC PYMT A'�`. , J ` 160314 03-16 Check 1138 -Inn nn PAYCHEX-RCX PAYROLL 03-17 reaut prize -254-9653,472-7R)— FLEETCOR FDR CASH CONC 00010277-003-006-MD02200331 non1076525-1 OZ10-00-0-00078075 Statement of Account 00002222-MD02200429nonI012351-10Z08-000000 0 SIGNATURE SURFACES LLC 1030 COLLIER CENTER WAY SUITE 4 ON NAPLES FL 34110-8477 Direct Inquiries to: 888-882-3837 EverBank 1185 Immokalee RD. Naples, FL 34110 M Summary of Account Balance Account Business Checking Number April 29, 2016 Days in stmt period: 029 Page 1 of �6 Ending Balance $59,322.68 Statement of Account LLC Page 2 of 6 Business Checking Date Description Additions Subtractions Balance MERCHANT PURCHASE TERMINAL 469216 STONE MART MARBLE TR 813 885 6 FL 04-0 Isa urc ase -250.00., 8 MERCHANT PURCHASE TERMINAL 469216 STONE MART MARBLE TR 813 885 6 FL 04-01 #Preaut orize d -1,036.23 76, 68.95 PAYCHEX TPS TAXES 04-01 reaut orize -246.71 76,32n4 PAYX-PIA-WC WC -PREMIUM -0 reaut orize -58.88 6 . PAYCHEX EIB INVOICE MtKUHAN 1 1 UKUhASt 1 tKMINAL 41b94U DITTO 941 59488 FL vA Furctiase -30.65 POS PURCHASE TERMINAL 21279801 RACETRAC 584 BONITA SP FL -- 04-07 #Preauthorized Wd -3,534.72 =J, 63,156.71 PAYCHEX-RCX PAYROLL 04-07 reaut orize -23.56 , PAYCHEX CGS GARNISH 4 Ever Sank Number Date Amount 1 04-18 800.00 1142* 0405 1,212.00 1164* 04-04 3,021.00 1165 04-04 4,548.50 1166 04-04 500.00 1167 04-01 15,850.00 1168 0404 3,592.70 1169 04-04 4,000.00 1170 04-05 1,476.00 1171 04-05 500.00 1172 0405 300.00 1173 04-11 4,213.00 1174 0411 1,062.22 1175 04-07 1,050.00 1176 04-11 58.82 1177 04-08 169.30 1178 04-13 314.55 1179 0411 258.16 1181 * 04-08 500.00 1182 04-12 1,834.00 1183 04-12 1,000.00 1184 04-12 700.00 1185 0412 2,549.08 1186 04-08 860.00 1187 0411 5,422.90 1188 0411 1,056.00 1189 0412 1,977.87 1190 04-13 1,045.00 1191 0415 496.25 1192 0415 1,748.23 1193 0414 8,555.00 1194 04-19 1,000.00 1195 04-19 700.00 1196 0419 3,486.00 1197 0425 1,610.00 1198 04-19 154.44 1199 0419 251.22 1200 0415 500.00 1201 0419 1,600.00 1202 04-25 112.52 1203 04-26 1,898.00 1204 0426 37.83 1206 04-29 7,000.00 1207 0422 3,672.27 1208 04-20 5,422.00 1209 0422 500.00 1210 0426 1,000.00 1211 04-26 700.00 1212 04-25 3,000.00 1213 0422 1,120.00 1214 0429 3,500.00 ip in cnecK sequence Statement of Account Signature Surfaces LLC Page 3 of 6 Date Description Additions .- Subtractions Balance o PAYCHEX TPS TAXES N b 04-08 reaut orize -246.71 ,903. W PAYX-PIA-WC WC -PREMIUM CD 04-08 #Preauthorized Wd -66.88 - 79,836.80 PAYCHEX EIB INVOICE MERCHANT PURCHASE TERMINAL 475542 TREASURE TILE INC NAPLES FL K- 04-11 Isa urc ase - ,6 . MERCHANT PURCHASE TERMINAL 475542 TREASURE TILE INC NAPLES FL a 04-11 #D -DA Purchase __ _ POS PURCHASE TERMINAL 05910049 TURKUOISE TRADING NAPLES FL -14.84 — ~ 67,636.06 - 04-12 Check 82 -1,834.00 ,8 6 04-12 Check -1,000.00 .0 04-12 ec -700.00 64,102. 04-12 Check -2, 04-12 Check 1189 -1,977.87 59,575.11 04-12 #Preauthorized Wd SANTANDER CONSUMER 160412 -411.35 59,163.76 04-13 Check 1178 -314.55 58,849.21 04-13 Check 1190 -17045.00 57,804.21 u4-io truvh ru1c11caG -f I.e_Yir-u.ar POS PURCHASE TERMINAL 06261428 THE HOME DEPOT#6373 BONITA SP FL MERCHANT PURCHASE TERMINAL 461043 :A HOMEDEPOT COM 800 430 3 GA 04-14 reaut orize -3,335.348 PAYCHEX-RCX PAYROLL _ EverBank Eve6mk Statement of Account Signature, Surfaces LLC Page 4 of 6 Date Description Additions Subtractions Balance 04-14 reaut onze -23.55 5 . PAYCHEX CGS GARNISH PAYCHEX TPS TAXES 04-15 #Preauthorized-218.22 73,940.43 PAYX-PIA-WC WC -PREMIUM 04-15 #Preauthorized Wd -54.55 73,885.87 PAYCHEX EIB INVOICE 04-18 Check 1 -800.00 73,085.87 04-18 #D15 rc ase -47.00. 73,038.87 POS PURCHASE TERMINAL 35721397 USPS 1162710477/1130 CRENAPLES FL _ �^ nA R. O� aR FPL DIRECT DEBIT ELEC PYMT MERCHANT PURCHASE TERMINAL 469215 STONE MART MARBLE TR 813 885 6 FL 04-19 #DDA Purchase -82.73 78,288.19 POS PURCHASE TERMINAL IN0299 BEDBATH&BEYOND# BEDBATH&NAPLES FL MERCHANT PURCHASE TERMINAL 424760 FLOORING DELIVERY SERVIC239 693 5 FL 04-20 #Visa Purchase o 89,312.52 MERCHANT PURCHASE TERMINAL 424760 FLOORING DELIVERY SERVIC239 693 5 FL 04-21 reaut orize -3,25. -M,073T 3 PAYCHEX-RCX PAYROLL - Statement of Account Ignature Surfaces LLC Page 5 of 6 Date Description Additions Subtractions Balance 04-21 reauthorize -23.56 , PAYCHEX CGS GARNISH 04-22 ec -3,672.27 82, 04-22 Check , -0. 1. U4 -ZZ mm wire xter uebit -5,560.0.0 ,' 75,301.48 THINK GLASSBANQUE THINK GLASS 04-22 #Service Charge 735.00 6 . INTL WIRE XFER DEB -- 04-22 #DDA Purchase , -374.03 R75,892.45 POS PURCHASE TERMINAL 06261376 THE HOME DEPOT #6373 BONITA SP FL 04-22 #Visa Purchase -48.08,_ `;' 75,844.37 67,873.97 MERCHANT PURCHASE TERMINAL 478930 \, " -37.83 DITTO 941 59488 FL 04-26 Check 1210 66,836.14 -22 #Preauthorized Wd -893.07 .3 66,136.14 PAYCHEX TPS TAXES �: -26.11 04-22 #Preauthorized-218.22 }� , PAYX-PIA-WC WC -PREMIUM 04-2_ __ reaut onze _Wd __ ---._ -54.56K` _ 7 , 8. 2. PAYCHEX EIB INVOICE M r -M MAIV 1 1"UM-NAJt I t_KIVIIIVAL 4tt$WJU DITTO 941 59488 FL 04-26 Check 1203 -1,898.00 67,873.97 04-26 Check 1204 -37.83 67,836.14 04-26 Check 1210 -1,000.00 66,836.14 04-26 Check 121 -700.00 66,136.14 04-26 #DDA Purchase POSPURCHASE TERMINAL P0414106 PUBLIX NAPLES FL -26.11 66,110.0— 6, 10.03POS USAHC 8008721187 160425 04-27 # isa Purchase -75.01 65,896.02 MERCHANT PURCHASE TERMINAL 444500 RUBY TUESDAY 5543 ESTERO FL 04-27 #Vis5 Purchase -28.90 65,867.12 MERCHANT PURCHASE TERMINAL 469216 READYREFRESH BY NESTLE 800 274 5 CA 04-28 apture Deposit 7,789.0073,656. EverBank Statement of Account ignature Surfaces LLC Page 6 of 6 Date Description Additions Subtractions Balance 04-28 as gmt Trsfr Dr -2,790.00 70,866.12 $0.00 REF 1191829L FUNDS TRANSFER TO -956.67 -/ .9 PAYCHEX TPS TAXES DEP 760108544 FROM 04-29 #Preauthorized Wd -56.72 59,322.68 PAYCHEX EIB INVOICE Ever3ank Total for this period Total year-to-date Total Overdraft Fees $0.00 $0.00 Total Returned Item Fees $0.00 $0.00 Ever3ank tatement of Account 00001813-MD02200531nonI049435-10Z08-000000 0 SIGNATURE SURFACES LLC 1030 COLLIER CENTER WAY SUITE 4 NAPLES FL 34110-8477 Direct Inquiries ta: 888-882-3837 EverBank 1185 Immokalee RD. Naples, FL 34110 Summary of.Account Balance Account Number May 31, 2016 Days in stmt period: 0) Page 1 of �6 Ending Balance Business Checking $63,305.99 tatement of Account Signature Surfaces LLC Page 2 of 6 Business Checking Date Description Additions Subtractions Balance MERCHANT PURCHASE TERMINAL 423168 MAPFRE INSURANCE CO OF F305 529 2 FL -260.84 2.3 MERCHANT PURCHASE TERMINAL 444500 DIRECT GENERAL AUTO 3996615 366 3 LA 05-02 #Visa Purchase -50.92 54,391.4 MERCHANT PURCHASE TERMINAL 443106 VIATCH PBLSHNG SLTNS INC800834951 TX 05-02 #Visa Purchase -14.99 54,37-6.42 MERCHANT PURCHASE TERMINAL 461043 ADOBE ACROBAT PRO 800 833 6 CA MERCHANT PURCHASE TERMINAL 469216 STONE MART MARBLE TR 813 885 6 FL 05-05 #Visa Purchase -88.47 55,083.44 MERCHANT PURCHASE TERMINAL 475542 FM DANIELS FORT MYER FL 05-05 #Preauthorized Wd -3,251.59 51,831.85 PAYCHEX-RCX PAYROLL PAYCHEX TPS TAXES 05-06 #Preauthorized Wd -231.73 53,647.51 PAYX-PIA-WC WC -PREMIUM 05-06 #Preauthorized Wd -59.20 53,5 8.31 PAYCHEX EIB INVOICE Number Date Amount 1205 05-16 7,236.82 1215' 05-03 3,631.40 1216 05-02 500.00 1218 ` 05-02 3,500.00 1219 05-03 3,000.00 1220 05-03 500.00 1221 05-03 800.00 1222 05-06 501.26 1223 05-09 8,170.00 1224 05-06 500.00 1225 05-09 1,056.00 1226 05-09 1,000.00 1227 05-09 700.00 1228 05-11 196.42 1229 05-13 2,025.00 1230 05-12 605.97 1231 05-09 4,133.40 1232 05-13 1,050.00 1233 05-12 2,717.00 1234 05-16 5,557.50 1236 ` 05-24 250.00 1237 05-16 53.62 1238 05-13 500.00 1239 05-16 7,790.00 1240 05-23 3,500.00 1241 05-17 800.00 1242 05-17 700.00 1243 05-23 154.44 1244 05-16 5,434.88 1245 05-17 2,400.00 1246 05-31 4,840.00 1247 05-25 619.51 1248 05-23 2,140.00 1249 05-23 5,543.56 1250 05-20 500.00 1251 05-23 2,800.00 1252 05-24 900.00 1253 05-23 500.00 1254 05-27 500.00 1255 05-31 1,000.00 1256 05-31 800.00 1257 05-31 6,000.00 1258 0531 1,514.00 ip in cnecK sequence Statement of Account Signature Surfaces LLC Page 3 of 6 Date Description Additions Subtractions Balance 05-10 #De oslt 83,092.27 121,621.18 05-10 Isa Purchase -45.09 21, 6.0 MERCHANT PURCHASE TERMINAL 416407 PERKINS RESTAU16624728 NAPLES FL nr1_1 1 7, F,crlr 7R -9 _A A9 191 A74—r%7 PAYCHEX-RCX PAYROLL 05-12 #Preauthorized Wd -411.35 9,008. SANTANDER CONSUMER 160512 MERCHANT PURCHASE TERMINAL 443105 OPUSTONE NATURAL STONE D305 594 4 FL 05-13 #Preauttionzea Wd -937.17 164,99T.Z-9— PAYCHEX TPS TAXES 05- Preaut orize -231.3 164,760.16 PAYX-PIA-WC WC -PREMIUM -59.20 164,700.96 PAYCHEX EIB INVOICE MERCHANT PURCHASE TERMINAL 444500 STEAK N SHAKE 0589 Q99 FORT MYER FL FPL DIRECT DEBIT ELEC PYMT 160516 Statement of Account ignature urfaces LLC Page 4 of 6 Date Description Additions Subtractions Balance 05-18 #Wire Transfer -Out -50,000.00 96,922.7T CERAMIC MATRIXSCHUCERAMIC MATRIX 05-18 Service C arge -25.00 96,8-9-77-1 WIRE TRANSFER -OUT 05-19 #Preauthodzed Wd -3,175.92 93,721.79 PAYCHEX-RCX PAYROLL REF 1411550L FUNDS TRANSFER TO 05-20 # isa Purchase -262.67 92,9 9.12 MERCHANT PURCHASE TERMINAL 461043 HOMEDEPOT COM 800 430 3 GA 05-20 #Preauthonzed Wd -850.20 92,108.92 193171TWA 1199.%f. 4 05-20 Preaut orize d -203.24 91,05 6-8 PAYX-PIA-WC WC -PREMIUM -20 #PreaUthorized Wd -54.70 .9 PAYCHEX EIB INVOICE REF 1441415L FUNDS TRANSFER TO 05-23 #Visa Purchase -928.16 76,284.82 MERCHANT PURCHASE TERMINAL 427009 AVIANCA COM 305 59972 FL REF 1461739L FUNDS TRANSFER TO 05-25 #Cash Mgmt Trsfr Dr -1,395.36 82,804.95 REF 1461708L FUNDS TRANSFER TO 10 05-25 #Cash Mgmt Trsfr Dr -320.00 82,484.9 TO REF 1461653L FUNDS TRANSFER TO State of Account Ilignature Surfaces LLC Page 5 of 6 Date Description Additions Subtractions Balance 05-25 #Visa Purchase -260.84 82,224.11 MERCHANT PURCHASE TERMINAL 449398 DIRECT AUTO INSURANCE 888 4447 FL 05-25 #DDA Purchase -135.44 — 8 2,088. RUM POS PURCHASE TERMINAL 001 LOWE'S #2362 ESTERO FL 05-25 #Preauthorized Wd -139.00 81,949.67 05-26 #Capture Deposit 972.00 82,921.6 05-26 #DDA Purchase -206.11 2, POS PURCHASE TERMINAL 001 LOWE'S #2362 ESTERO FL 05-26 #PreauthoFzed Wd -3,291.96 79,423.60 PAYCHEX-RCX PAYROLL -500.00 78,9 3.60 05-27 #Preauthorized-895.63 16,U21.Ut PAYCHEX TPS TAXES 05-27 Preaut onze -203. ,8 3 PAYX-PIA-WC WC -PREMIUM - 05-27 05-27 #Preauthorized Wd -54.70 77,770.03 PAYCHEX EIB INVOICE 05-31 Check 12 -4,840.00 72,930.03 05-31 Check 1255 -1,000.00 71,930.03 n -Z I r'or 7 R -Rnn nn 7 nR REF 1521400L FUNDS TRANSFER TO 05-31 #Visa Purchase -108.06 63,507.97 MERCHANT PURCHASE TERMINAL 480166 SWIFT OIL CHANGE NAPLES FL 05-31 OVisa Purchase -14.99 63, 92. 8 MERCHANT PURCHASE TERMINAL 461043 ADOBE ACROBAT PRO 800 833 6 CA 05-31 #Preauthorized vva -186.99 63,305.99 ALLSTATE IND CO INS PYMT 0 F, - Mow T"M State ottof Account igna urerfaces LLC Page 6 of 6 Total for this period Total year-to-date Total Overdraft Fees $0.00 $0.00 Total Returned Item Fees $0.00 $0.00 ® Statement Period Date: 6/1/2016 - 6/30/2016 Account Type: 5/3 Bus Standard Ckg FIFTH THIRD BANK Account Number: (SOUTH FLORIDA) P.O. BOX 630900 CINCINNATI OH 45263-0900 Banking Center: Pelican Bay PMT OF NAPLESINC Banking Center Phone: 239-594-3512 8851 COLONNADES CT W APT 124 0 Business Banking Support: 877-534-2264 BONITA SPRINGS FL 34135-7879 11423 Account Summary - 53 items totaling $10,295.91 Date 06/01 Beginning Balance $9,160.62 Number of Days in Period 06/01 30 22 Checks $(16,008.12) 06/02 30.17 MERCHANT PAYMENT 7 -ELEVEN AT LOC MSIL01 26975 OLD 41 ROAD US BONITA SPRING FL 06/03 28.56 MERCHANT PAYMENT AT LOC 261365 THE HOME DEPOT #6373 BONITA SPRING FL 06/03 500.00 5/3 JEANIE WITHDRAWAL AT LOC 003842 900 GOODLETTE RD NAPLES FL For additional information and account disclosures, please visit www.53.com/businessbanking Page 1 of 4 n V� FIFTH THIRD BANK Withdrawals / Debits - continued Date Amount Description 06/03 20.19 MERCHANT PAYMENT 7 -ELEVEN 34803 AT IAC 067401 31 9TH ST N NAPLES FL 06/06 39.51 MERCHANT PAYMENT AT LOC MUP601 7 -ELEVEN BONITA SPRING FL 06/06 68.31 MERCHANT PAYMENT AT LOC 261365 THE HOME DEPOT #6373 BONITA SPRING FL 06/06 20.04 MERCHANT PAYMENT 7 -ELEVEN 34806 AT LOC 067901 28175 S TAMIAMI TRL BONITA SPRING FL 06/07 92.54 IRS USATAXPYMT 270655993142402 PMT OF NAPLES INC 060716 06/07 93.21 ADP PAYROLL FEES OT ADP - FEES 2RI3H 0053006 PMT of Naples Inc 060716 06/07 1,300.00 DEBIT ADJUSTMENT TO DEPOSIT 06/09 17.33 DEBIT CARD PURCHASE AT SHELL OIL 12482342, BONITA SPRING, FL ON 060716 FROM CARD#: 06/09 20.33 MERCHANT PAYMENT 7 -ELEVEN 34806 AT LOC 067901 28175 S TAMIAMI TRL BONITA SPRING FL 06/09 141.54 ADP EEPAY/GARNWC 304287687 EEPAY/GARN 15004484887813H PMT OF NAPLES INC 060916 06/09 282.57 ADP Tax/401k R2 Tax/401k R8I3H 061001A01 PMT OF NAPLES INC 060916 06/10 30.00 MERCHANT PAYMENT AT LOC 914801 SHELL Service S FORT MYERS FL 06/10 12.50 SERVICE CHARGE 06/13 32.16 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, BONITA SPRING, FL ON 060916 FROM CARD#: 06/13 209.14 DEBIT CARD PURCHASE AT ENTERPRISE RENT -A-, NAPLES, FL ON 061016 FROM CARD#: 06/13 232.13 RECURRING PURCHASE AT STATE FARM, 800-956-6310, IL ON 061016 FROM CARD#: 06/13 280.42 DEBIT CARD PURCHASE AT POWER BOLT AND TOO, 239-768-9028, FL ON 061116 FROM CARD#: 06/13 20.85 MERCHANT PAYMENT AT LOC 538401 SHELL Service S BONITA SPRING FL 06/14 74.44 MERCHANT PAYMENT AT LOC 261367 THE HOME DEPOT #6373 BONITA SPRING FL 06/14 25.60 MERCHANT PAYMENT RACETRAC 584 AT LOC 279801 10801 FURLONG ST BONITA SPRIN FL 06/14 53.00 FEDERATED NATION 0000014 UNI000027953119 061416 06/15 25.84 MERCHANT PAYMENT - 261367 THE HOME DEPOT #6373 BONITA SPRING FL 06/15 71.63 MERCHANT PAYMENT - 261367 THE HOME DEPOT #6373 BONITA SPRING FL 06/15 2,300.00 DEBIT MEMO 06/16 34.34 MERCHANT PAYMENT - 008 LOWFS #613 6415 NAPLE NAPLES FL 06/17 97.52 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, NAPLES, FL ON 061616 FROM CARD#: 06/17 30.22 MERCHANT PAYMENT 7 -ELEVEN 34806 - 067901 28175 S TAMIAMI TRL BONITA SPRING FL 06/17 30.75 MERCHANT PAYMENT SUNMART FOOD & F - 394501 21481 S TAMIAMI TRAIL ESTERO FL 06/17 83.21 ADP PAYROLL FEES Al ADP - FEES 2RI3H 0691682 PMT of Naples Inc 061716 06/20 645.70 DEBIT CARD PURCHASE AT POWER BOLT AND TOO, 239-768-9028, FL ON 061816 FROM CARD#: 06/20 30.03 MERCHANT PAYMENT - 456101 SHELL Service S BONITA SPRING FL 06/21 49.60 DEBIT CARD PURCHASE AT RACETRAC 584 0000, BONITA SPRING, FL ON 061916 FROM CARD#: 06/21 210.00 DEBIT CARD PURCHASE AT CREDIT CHECK INC, 05616165556, FL ON 062016 FROM CARD#: 06/22 18.00 RECURRING PURCHASE AT INTUIT *QB ONLINE, 800-286-6800, CA ON 062116 FROM CARD#: 06/22 23.66 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, BONITA SPRING, FL ON 062116 FROM CARD#: 06/22 50.16 DEBIT CARD PURCHASE AT SPEEDWAY 06568, BONITA SPRING, FL ON 062116 FROM CARD#: 06/22 60.34 MERCHANT PAYMENT - 261365 THE HOME DEPOT #6373 BONITA SPRING FL 06/22 66.08 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, BONITA SPRING, FL ON 062016 FROM CARD#: 06/22 383.29 ADP Tax/401k RD Tax/401k R8I3H 8194434W PMT OF NAPLES INC 062216 06/23 172.72 ADP EEPAY/GARNWC 304287687 EEPAY/GARN 54806174882113H PMT OF NAPLES INC 062316 06/23 368.14 ADP Tax/401k AR Tax/401k R8I3H 062402A01 PMT OF NAPLES INC 062316 06/27 33.14 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, NAPLES, FL ON 062516 FROM CARD#: 06/27 685.99 DEBIT CARD PURCHASE AT MONEYGRAM PAYMENT, MINNEAPOLIS, MN ON 062316 FROM CARD#: 06/28 408.85 DEBIT CARD PURCHASE AT COMCAST OF NAPLES, 800-COMCAST, FL ON 062816 FROM CARD#: Page 2 of 4 11423 Withdrawals / Debits - continued Date Statement Period Date: 6/1/2016 - 6/30/2016 ® Account Type: 5/3 Bus Standard Ckg FIFTH THIRD BANK Account Number: (SOUTH FLORIDA) 34.79 P.O. BOX 630900 CINCINNATI OH 45263-0900 06/07 PMT OF NAPLES INC 0 Banking Center: Pelican Bay 8851 COLONNADES CT W APT 124 Banking Center Phone: 239-594-3512 BONITA SPRINGS FL 34135-7879 Business Banking Support: 877-534-2264 11423 Withdrawals / Debits - continued Date Amount Description 06/28 46.24 MERCHANT PAYMENT 7 -ELEVEN 34806 - 067901 28175 S TAMIAMI TRL BONITA SPRING FL 06/30 34.79 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, BONITA SPRING, FL ON 062916 FROM CARD#: 06/07 1,300.00 06/30 92.20 MERCHANT PAYMENT - 000 WHOLEFDS 9101 Strada Naples FL 06/30 314.82 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, BONITA SPRING, FL ON 062916 FROM CARD#: 06/10 2,500.00 Deposits / Credits 12 items totaling $27,153.57 Date Amount Description 06/03 2,717.00 5/3 JEANIE DEPOSIT AT LOC 003842 900 GOODLETTE RD NAPLES FL 06/07 1,300.00 5/3 JEANIE DEPOSIT AT LOC 005630 8800 W. TERRY ST. BONITA SPRINGS FL 06/07 1,640.00 5/3 JEANIE DEPOSIT AT LOC 005630 8800 W. TERRY ST. BONITA SPRINGS FL 06/10 1,300.00 ADJUSTMENT IN ERROR REQUEST CR ADJ 4001-01-6562100191 ORIG DATE 06/08/16 06/10 2,500.00 5/3 JEANIE DEPOSIT AT LOC 004337 13575 TAMIANII TRAIL NAPLES FL 06/13 2,638.62 5/3 JEANIE DEPOSIT AT LOC 004337 13575 TAMIAMI TRAIL NAPLES FL 06/14 3,265.00 5/3 JEANIE DEPOSIT AT LOC 004337 13575 TAMIAMI TRAIL NAPLES FL 06/15 31.45 MERCHANT CREDIT - 261384 THE HOME DEPOT #6373 BONITA SPRING FL 06/21 3,598.00 5/3 JEANIE DEPOSIT - 004337 13575 TAMIAMI TRAIT. NAPLES FL 06/22 2,375.00 5/3 JEANIE DEPOSIT - 004337 13575 TAMIAMI TRAIL NAPLES FL 06/24 5,000.00 5/3 JEANIE DEPOSIT - 003457 5636 TAVILLA CIR NAPLES FL 06/29 788.50 5/3 JEANIE DEPOSIT - 005630 8800 W. TERRY ST. BONITA SPRINGS FL Daily Balance Summary Date Amount Date Amount Date Amount 06/01 8,262.82 06/13 10,000.57 06/22 9,970.68 06/02 6,349.21 06/14 12,362.53 06/23 9,429.82 06/03 8,351.23 06/15 9,996.51 06/24 14,429.82 06/06 8,223.37 06/16 9,962.17 06/27 13,710.69 06/07 8,977.62 06/17 8,654.54 06/28 12,255.60 06/08 7,677.62 06/20 7,978.81 06/29 10,451.97 06/09 7,215.85 06/21 8,197.21 06/30 10,010.16 06/10 10,791.35 Page 3 of 4 FIFTH 'THIRD BANK This page intentionally left blank. Page 4 of 4 ® Statement Period Date: 5/1/2016 - 5/31/2016 Account Type: 5/3 Bus Standard Ckg FIFTH THIRD BANK Account Number: (SOUTH FLORIDA) P.O. BOX 630900 a m imai OH 45263-0900 Banking Center: Pelican Bay PMT OF NAPLES INC Banking Center Phone: 239-594-3512 8851 COLONNADES CT W APT 124 0 Business Banking Support: 877-534-2264 BONITA SPRINGS FL 34135-7879 11363 Account Summary - 05/01 Beginning Balance $11,512.02 Number of Days in Period 31 9 Checks $(6,896.23) 52 Withdrawals / Debits $(9,408.17) 6 Deposits / Credits $13,953.00 05/31 Ending Balance $9,160.62 Analysis Period: 04/01/16 - 04/30/16 Standard Monthly Service Charge $11.00 Standard Monthly Service Charge Waived (see below) -$11.00 Service Charge withdrawn on 05/11/16 $0.00 Standard Monthly Service Charge waived if: Current Relationship Overview: Your business maintains a total monthly average 52 items totaling $9,408.17 Balance Criteria Met? Amount Yes balance of $3,500 across its business checking, savings,, 340.00 Total Combined Monthly Average Balance $13,349.35 and certificate of deposit accounts. DEBIT CARD PURCHASE AT AMERICAN, BELLEVUE, WA ON 043016 FROM CARD#: 05/02 561.79 DEBIT CARD PURCHASE AT EXPEDIA*1134234076, EXPEDIA.COM, WA ON 050116 FROM CARD#: 05/02 30.17 MERCHANT PAYMENT 7 -ELEVEN 34806 AT LOC 067901 28175 S TAMIAMI TRL BONITA SPRING FL 05/02 8.61 MERCHANT PAYMENT NST THE HOME DEP AT LOC 261376 11941 BONITA BEACH RD S BONITA SPRING FL 05/03 20.11 DEBIT CARD PURCHASE AT SPEEDWAY 06568, BONITA SPRING, FL ON 050216 FROM CARD#: 05/03 500.00 5/3 JEANIE WITHDRAWAL AT LOC 005974 9021 BONTTA BEACH RD BONITA SPRINGS FL 05/03 92.54 IRS USATAXPYMT 270652475107227 PMT OF NAPLES INC 050316 05/03 2,300.00 RETURN DEPOSIT rTEM(S) ADVICE: 101231 For additional information and account disclosures, please visit www.53.com/businessbanking Page 1 of 4 FIFTH THIRD BANK Withdrawals I Debits - continued Date Amount Description 05105 27.48 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, NAPLES, FL ON 050416 FROM CARD#: 05105 35.00 DEBIT CARD PURCHASE AT ALPHA BUSINESS & A, NAPLES, FL ON 050316 FROM CARD#: 05/09 360.00 5/3 JEANIE WITHDRAWAL AT LOC 005630 8800 W. TERRY ST. BONITA SPRINGS FL 05110 30.00 MERCHANT PAYMENT AT LOC MUP601 7 -ELEVEN BONITA SPRING FL 05111 31.91 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, BONITA SPRING, FL ON 050916 FROM CARD#: 05111 232.37 RECURRING PURCHASE AT STATE FARM, 80-956-6310, IL ON 051016 FROM CARD#: � 05/11 400.00 5/3 JEANIE WITHDRAWAL AT LOC 005630 8800 W. TERRY ST. BONITA SPRINGS FL 05111 30.17 MERCHANT PAYMENT AT LOC 750501 SUNOCO 06116768 BONITA SPRING FL 05/12 11.82 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, NAPLES, FL ON 051116 FROM CARD#: 05/12 18.22 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, NAPLES, FL ON 051116 FROM CARD#: 05/12 53.80 FEDERATED NATION 0000012 UN1000027776019 051216 05/13 109.31 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, BONITA SPRING, FL ON 051116 FROM CARD#: 05/16 88.25 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, NAPLES, FL ON 051416 FROM CARD#; 05/16 142.17 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, BONITA SPRING, FL ON 051316 FROM CARD -9: 05/16 160.00 5/3 JEANIE WITHDRAWAL AT LOC 005799 2911 TAMIAMI TRAIL NAPLES FL 05116 237.86 DEBIT CARD PURCHASE AT ABBEY CARPET OF NA, 239-948-0900, FL ON 051316 FROM CARD#: 05/16 500.00 5/3 JEANIE WITHDRAWAL AT LOC 004337 13575 TAMIAMI TRAIL NAPLES FL 05/17 81.39 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, NAPLES, FL ON 051616 FROM CARD#: 05/17 340.00 5/3 JEANIE WITHDRAWAL AT LOC 005630 8800 W. TERRY ST. BONITA SPRINGS FL 05/18 23.36 MERCHANT PAYMENT AT LOC 009 LOWE'S 4613 6415 NAPLE NAPLES FL 05/18 25.02 FLA DEPT REVENUE CUT 000000003314050 PMT OF NAPLES INC 051816 05/19 37.50 DEBIT CARD PURCHASE AT ALPHA BUSINESS & A, NAPLES, FL ON 051716 FROM CARD#: 05/19 40.11 MERCHANT PAYMENT 7 -ELEVEN 34816 AT LOC 068601 3701 SANTA BARBARA BLVD NAPLES FL 05/20 11.01 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, BONITA SPRING, FL ON 051816 FROM CARD#: 05/20 29.99 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, NAPLES, FL ON 051916 FROM CARD#: 05/23 31.07 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, NAPLES, FL ON 052116 FROM CARD#: 05/23 39.21 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, NAPLES, FL ON 052016 FROM CARD#: 05/23 500.00 5/3 JEANIE WITHDRAWAL AT LOC 005630 8800 W. TERRY ST. BONITA SPRINGS FL 05/23 25.85 MERCHANT PAYMENT AT LOC 505701 SHELL Service S NAPLES FL 05123 50.60 MERCHANT PAYMENT 7 -ELEVEN AT LOC MMIJA2 530 JOEL BLVD US LEHIGH ACRES FL 05/24 53.84 MERCHANT PAYMENT SUNMART FOOD & F AT LOC 394501 21481 S TAMIAMI TRAIL ESTERO FL 05/24 668.51 TELEPHONE INITIATED PAYMENT AT GATEWAY ONE LEND PAYMENT 05/25 26.47 MERCHANT PAYMENT AT LOC 261368 THE HOME DEPOT #6373 BONITA SPRING FL 05/25 48.98 MERCHANT PAYMENT AT LOC 261365 THE HOME DEPOT 06373 BONITA SPRING FL 05/25 13.78 MERCHANT PAYMENT NST THE HOME DEP AT LOC 261365 11941 BONITA BEACH RD S BONITA SPRING FL 05/26 29.32 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, BONITA SPRING, FL ON 052416 FROM CARD -9: 05/26 278.86 ADP Tax/401k RN Tax/401k R813H 05270IA01 PMT OF NAPLES INC 052616 05/31 2.52 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, BONITA SPRING, FL ON 052616 FROM CARD#: 05/31 20.00 513 JEANIE WITHDRAWAL AT LOC 003457 5636 TAVILLA CIR NAPLES FL Page 2 of 4 FIFTH THIRD BANK (SOUTH FLORIDA) P_O. BOX 630900 CTNCDMAII OH 45263-0900 PMT OF NAPLES INC 0 8851 COLONNADES CT W APT 124 BONITA SPRINGS FL 34135-7879 11363 Statement Period Date: 5/1/2016 - 5/31/2016 Account Type: 5/3 Bus Standard Ckg Account Number Banking Center: Pelican Bay Banking Center Phone: 239-594-3512 Business Banking Support: 877-534-2264 Withdrawals / Debits - continued Date Amount Description 05/31 75.26 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, BONITA SPRING, FL ON 052616 FROM CARD#: 05/31 40.12 MERCHANT PAYMENT SUNMART FOOD & F AT LOC 394501 21481 S TAMIAMI TRAIL ESTERO FL 05/31 41.56 MERCHANT PAYMENT AT LOC 905501 SHELL Service S NAPLES FL 05/31 50.06 MERCHANT PAYMENT 7 -ELEVEN 34806 AT LOC 067901 28175 S TAMIAMI TRL BONrFA SPRING FL Deposits / Credits Date 6 items totaling $13,953.00 Amount Description 05/04 2,300.00 5/3 JEANIE DEPOSIT AT LOC 005630 8800 W. TERRY ST. BONITA SPRINGS FL 05/11 2,150.00 5/3 JEANIE DEPOSIT AT LOC 005974 9021 BONITA BEACH RD BONITA SPRINGS FL 05/11 2,717.00 5/3 JEANIE DEPOSIT AT LOC 004337 13575 TAMIAMI TRAIL NAPLES FL 05/16 3,651.00 5/3 JEANIE DEPOSIT AT LOC 004337 13575 TAMIAMI TRAIL NAPLES FL 05/19 2,565.00 5/3 JEANIE DEPOSIT AT LOC 005630 8800 W. TERRY ST. BONITA SPRINGS FL 05/31 570.00 5/3 JEANIE DEPOSIT AT LOC 005630 8800 W. TERRY ST. BONTTA SPRINGS FL Daily Balance Summary Date Amount Date Amount Date Amount 05/02 10,069.25 05/12 8,612.83 05/20 12,252.86 05/03 7,156.60 05/13 8,503.52 05/23 11,606.13 05/04 7,556.60 05/16 11,026.24 05/24 10,883.78 05/05 6,494.12 05/17 10,604.85 05/25 10,794.55 05/09 5,454.12 05/18 10,556.47 05/26 10,486.37 05/10 5,424.12 05/19 12,293.86 05/31 9,160.62 05/11 9,596.67 Page 3 of 4 ®� Statement Period Date: 4/1/2016 - 4/30/2016 Amount Account Type: 5/3 Bus Standard Ckg FIFiEi THIRD BANK Account Number:410MI� (SOUTH FLORIDA) Date Paid P_0- BOX 630900 CINaNNATI OH 45263-0900 Banking Center: Pelican Bay PMT OF NAPLES INC Banking Center Phone: 239-594-3512 8851 COLONNADES CT W APT 124 0 Business Banking Support: 877-534-2264 BONITA SPRINGS FL 34135-7879 100015*i 11363 169.03 Account Summary " 04/01 Beginning Balance $12,553.00 Number of Days in Period 30 14 Checks $(8,354.18) 43 Withdrawals / Debits $(4,952.80) 5 Deposits / Credits $12,266.00 04/30 Ending Balance $11,512.02 Analysis Period: 03/01/16 - 03/31/16 Standard Monthly Service Charge $11.00 Standard Monthly Service Charge Waived (see below) -$11.00 Service Charge withdrawn on 04/12/16 $0.00 Standard Monthly Service Charge waived if: Your business maintains a total monthly average balance of $3,500 across its business checking, savings, and certificate of deposit accounts. OR your business spends at least $500 per month on its business credit card. Current Relationship Overview: Balance Criteria Met? - Total Combined Monthly Average Balance Other Criteria Met? $500 Business Credit Card Spend? Yes $11,937.11 No No Checks 14 checks totaling $8,354.18 * Indicates gap in check sequence i = Electronic Image s = Substitute Check Number Date Paid Amount Number Date Paid Amount Number Date Paid Amount 0000i 04/12 1,300.00 1031i 04/04 750.00 100015*i 04/21 169.03 1015*i 04/27 620.00 1032i 04/21 1,000.00 100016i 04/21 169.03 1026*i 04/12 850.00 1033i 04/18 920.00 100017i 04/21 169.03 1027i 04/12 850.00 100009*i 04/21 169.03 100018i 04/21 169.03 1030*i 04/04 1,050.00 100010i 04/21 169.03 Withdrawals / Debits 43 items totaling $4,952.80 Date Amount Description 04/01 11.01 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, NAPLES, FL ON 033116 FROM CARD#: 04/01 30.77 MERCHANT PAYMENT 7 -ELEVEN 34890 AT LOC 069601 12661 BONITA BEACH RD BONITA SPRING FL 04/04 18.12 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, BONITA SPRING, FL ON 033116 FROM CARD#: 04/04 500.00 5/3 IEANIE WITHDRAWAL AT LOC 005822 12971 BONITA BEACH BONITA BEACH FL 04/05 30.08 MERCHANT PAYMENT AT LOC 279801 RACETRAC 584 BONITA SPRIN FL 04/06 10.74 MERCHANT PAYMENT NST THE HOME DEP AT LOC 261393 11941 BONITA BEACH RD S BONITA SPRING FL 04/07 16.93 MERCHANT PAYMENT AT LOC 101615 THE HOME DEPOT 280 NAPLES FL 04/07 30.35 MERCHANT PAYMENT AT LOC 279801 RACETRAC 584 BONITA SPRIN FL For additional information and account disclosures, please visit www.53.com/businessbanking Page I of 4 FIFTH THIRD BANK Withdrawals / Debits - continued 20.20 Date Amount Description 04/08 1.00 DEBIT CARD PURCHASE AT THE HOME DEPOT #63, BONITA SPRING, FL ON 040616 FROM CARD#: MERCHANT PAYMENT ESTERO FOOD MART AT LOC 673001 10371 CORKSCREW COMMONS ESTERO FL 04/26 04/08 81.79 DEBT!' CARD PURCHASE AT THE HOME DEPOT #63, BONITA SPRING, FL ON 040616 FROM CARD#: RECURRING PURCHASE AT VZWRISS-BILL PAY V, 800-922-0204, NJ ON 042616 FROM CARD#: 04/29 04/08 176.76 DEBIT CARD PURCHASE AT TROPICAL CONSTRUCT, NAPLES, FL ON 040716 FROM CARD#: LOC 568001 SHELL Service S HOLLYWOOD FL 04/27 27.50 MERCHANT PAYMENT AT LOC 261365 THE HOME DEPOT #6373 BONITA SPRING FL 04/27 378.36 DEBIT CARD PURCHASE AT COMCAST OF NAPLES, 800-COMCAST, FL ON 042716 FROM CARD#: 04/28 31.58 DEBIT CARD PURCHASE AT SPEEDWAY 06568, BONITA SPRING, FL ON 042716 FROM CARD#: 04/29 4.22 MERCHANT PAYMENT AT LOC 006 LOWE'S #2261 12730 TAM NAPLES FL Deposits / Credits Date Amount 5 items totaling $12,266.00 Description 04/01 3,021.00 5/3 JEANIE DEPOSIT AT LOC 005630 8800 W. TERRY ST. BONITA SPRINGS FL 04/08 2,550.00 5/3 JEANIE DEPOSIT AT LOC 005630 8800 W. TERRY ST. BONITA SPRINGS FL 04/12 1,045.00 5/3 JEANIE DEPOSIT AT LOC 004337 13575 TAKLOU TRAIL NAPLES FL 04/15 3,350.00 5/3 JEANIE DEPOSIT AT LOC 005630 8800 W. TERRY ST. BONITA SPRINGS FL 04/29 2,300.00 5/3 JEANIE DEPOSIT AT LOC 005384 95 PRICE STREET NAPLES FL Page 2 of 4 FIF rH TE-IIRD BANK (SOUTH FLORIDA) P.0_ BOX 630900 CINCINNATI OR 45263-0900 PMT OF NAPLES INC 8851 COLONNADES CT W APT 124 0 BONTFA SPRINGS FL 34135-7879 11363 Daily Balance Summary Date Amount Date 04/01 04/04 04/05 04106 04/07 04/08 04/11 15,532.22 04/12 13,214.10 04/13 13,184.02 04/14 13,173.28 04/15 13,126.00 04/18 15,416.45 04/19 15,179.39 04/20 Amount Date 13,224.39 04/21 12,733.99 04/22 12,615.36 04/25 15,920.61 04/26 14,943.02 04/27 14,288.04 04/28 14,068.04 04/29 Statement Period Date: 4/1/2016 - 4/30/2016 Account Type: 5/3 Bus Standard Ckg Account Number: - Banking Center: Pelican Bay Banking Center Phone: 239-594-3512 Business Banking Support: 877-534-2264 Amount 11,553.86 11,403.86 10,758.60 10,273.68 9,247.82 9,216.24 11,512.02 Pn aP 1 of d 1 1 Statement Period Date: 3/1/2016 - 3/31/2016 Account Type: 5/3 Bus Standard Ckg FIFTH THIRD BANK Account Number: (SOUTH FLORIDA) P_O_ BOX 630900 CINCINNATI OH 45263-0900 Fal Banking Center: Pelican Bay PMT OF NAPLES INC Banking Center Phone: 239-594-3512 8851 COLONNADES CT W APT 124 0 Business Banking Support: 877-534-2264 BONITA SPRINGS FL 34135-7879 11354 Account Summary - Date Paid Amount 03/01 Beginning Balance $12,991.99 Number of Days in Period 31 13 Checks $(11,344.70) 0000*i 41 Withdrawals / Debits $(2,949.77) 7 Deposits / Credits $13,855.48 03/31 Ending Balance $12,553.00 41 items totaling $2,949.77 Analysis Period: 02/01/16 - 02/29/16 Amount Standard Monthly Service Charge $11.00 Standard Monthly Service Charge Waived (see below) -$11.00 Service Charge withdrawn on 03/10/16 $0.00 Standard Monthly Service Charge waived if: Current Relationship Overview: Your business maintains a total monthly average Balance Criteria Met? Yes balance of $3,500 across its business checking; savings, Total Combined Monthly Average Balance $14,497.31 and certificate of deposit accounts. OR your business spends at least $500 per month on Other Criteria Met? No its business credit card. $500 Business Credit Card Spend? No Checks 13 checks totaling $11,344.70 * Indicates gap in check sequence i = Electronic Image s = Substitute Check Number Date Paid Amount Number Date Paid Amount Number Date Paid Amount 1016*i 03/03 750.00 1024 i 03/14 950.00 1017 i 03/01 1,000.00 1025 i 03/23 950.00 1022*i 03/07 524.70 1028*i 03/28 350.00 1023 i 03/07 2,000.00 1029 i 03/29 670.00 0000 i 0000*i 0000*i 0000*i 03/02 1,000.00 03/07 450.00 03/11 1,000.00 03/23 1,300.00 0000*i 03/28 400.00 Withdrawals / Debits 41 items totaling $2,949.77 Date Amount Description 03/01 03/02 03/02 92.54 44.73 17.83 IRS USATAXPYMT PMT OF NAPLES INC 030116 MERCHANT PAYMENT SHELL Service St AT LOC 915101 SHELL FORT MYERS FL MERCHANT PAYMENT NST THE HOME DEP AT LOC 261426 11941 BONITA BEACH RD S BONITA SPRING FL 03/03 03/07 03/07 37.51 40.24 21.17 MERCHANT PAYMENT LOWE'S #613 AT LOC 0016415 NAPLES BLVD. NAPLES FL MERCHANT PAYMENT SUNOCO 061167680 AT LOC 750501 27990 TAMIAMI TRAIL. BONITA SPRING FL MERCHANT PAYMENT NST THE HOME DEP AT LOC 261427 11941 BONITA BEACH RD S BONITA SPRING FL 03/08 03/09 40.00 6.35 MERCHANT PAYMENT KANGAROO EXP 399 AT LOC 283501 8801 WEST TERRY ST BONITA SPRING FL MERCHANT PAYMENT LOWFS #2362 AT LOC 001 10070 ESTERO TWN COMMON ESTERO FL For additional information and account disclosures, please visit www.53.com/businessbanking Page 1 of 4 FIFTH THIRD BANK Withdrawals / Debits - continued Date Amount Description 03/10 31.14 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, BONITA SPRING, FL ON 030916 FROM CARD#: 03/10 142.31 DEBIT CARD PURCHASE AT SHORE -LINE FLOORIN, BONITA SPRING,.FL ON W0916 FROM CARD#: 03/10 340.00 513 JEANIE WITHDRAWAL AT LOC 005630 8800 W. TERRY ST. BONITA SPRINGS FL 03/11 52.78 DEBIT CARD PURCHASE AT PAPA JOHN'S 400354, 239-947-8200, FL ON 031016 FROM CARD#: ? v- 03/11 232.37 RECURRING PURCHASE AT STATE FARM, 800-956-6310, IL ON 031016 FROM CARD#: 03/14 30.00 MERCHANT PAYMENT AT LOC 041801 CHEVRON/PIONEER OIL CO MARCO FL 03114 40.12 MERCHANT PAYMENT SHELL Service St AT LOC 905701 SHELL BONITA SPRING FL 03/14 55.36 FEDERATED NATION 0000014 UNI000027438711 031416 03/14 6.86 MERCHANT PAYMENT NST THE HOME DEP AT LOC.261426 11941 BomrA BEACH RD S BON& SPRING FL L ~+ 03/14 32.65 MERCHANT PAYMENT 7 -ELEVEN AT LOC MURQ01 12661 BONITA BEACH US BONITA SPRING FL 03/18 30.26 MERCHANT PAYMENT 7 -ELEVEN AT LOC MSIL01 26975 OLD 41 ROAD US BONITA, SPRING FL 03/21 20.12 MERCHANT PAYMENT SUNOCO 061167680 AT LOC 750501 27990 TAMIAMI TRAIL BONITA SPRING FL 03/21 41.49 MERCHANT PAYMENT AT LOC 041801 CHEVRONIATLANTIC CHEVRO DELRAY BEACH FL , 03/21 13.74 MERCHANT PAYMENT NST THE HOME DEP AT LOC 261426 11941 BONITA BEACH RD S BONITA SPRING FL 03/22 77.35 DEBIT CARD PURCHASE AT ABBEY CARPET OF NA, 239-948-0900, FL ON 031716 FROM CARD#: 03/22 82.00 DEBIT CARD PURCHASE AT ABBEY CARPET OF NA, 239-948-0900, FL ON 031716 FROM CARD#: 03/22 47.64 MERCHANT PAYMENT SUNOCO 061167680 AT LOC 750501 27990 TAMIAMI TRAIL BONITA SPRING FL 03/22 56.04 MERCHANT PAYMENT NST THE HOME DEP AT LOC 261392 11941 BONITA BEACH RD S BONITA SPRING FL 03/23 1.00 DEBIT CARD PURCHASE AT THE HOME DEPOT #63, BONITA SPRING, FL ON 032116 FROM CARD#: 03/24 1.00 DEBIT CARD PURCHASE AT THE HOME DEPOT 463, BONITA SPRING, FL ON 032216 FROM CARD#: PURCHASE AT MONEYGRAM PAYMENT, MINNEAPOLIS, MN ON 032116 FROM CARD#: 03/25 159.91 DEBIT CARD PURCHASE AT THE HOME DEPOT #63, BONITA SPRING, FL ON 032316 FROM CARD#: 03/25 20.08 MERCHANT PAYMENT NST THE HOME DEP AT LOC 261392 11941 BONITA BEACH RD S BONITA SPRING FL 03/28 1.00 DEBIT CARD PURCHASE AT THE HOME DEPOT #63, BONITA SPRING, FL ON 032516 FROM CARD#: 03/28 32.81 DEBIT CARD PURCHASE AT THE HOME DEPOT 063, BONITA SPRING, FL ON 032516 FROM CARD#: 03/28 134.26 DEBIT CARD PURCHASE AT THE HOME DEPOT #63, BONITA SPRING, FL ON 032516 FROM CARD#: } 03/28 30.25 MERCHANT PAYMENT RACETRAC 584 AT LOC 279801 10801 FURLONG ST BONITA SPRIN FL 03/28 35.12 MERCHANT PAYMENT SHELL Service St AT LOC 538401 SHELL BONITA SPRING FL 03128 22.01 MERCHANT PAYMENT LOWE'S #613 AT LOC 0016415 NAPLES BLVD. NAPLES FL 03129 38.36 MERCHANT PAYMENT AT LOC 261426 THE HOME DEPOT #6373 BONITA SPRING FL 03/29 92.54 IRS USATAXPYMT PMT OF NAPLES INC 032916 03/31 40.44 MERCHANT PAYMENT AT LOC 261375 THE HOME DEPOT #6373 BONITA SPRING FL 03/31 32.40 FLA DEPT REVENUE CUT PMT OF NAPLES INC 033116 Page 2 of 4 FIFTH THIRD BANK (SOM FLORIDA) P_O_ BOX 630900 CINCINNATI OH 45263-0900 .�� pMT OF NAPLES INC 0 8851 COLONNADES CT W APT 124 BONITA SPRINGS FL 34135-7879 11354 Statement FenOQ tare: -1i iia"i" - Account Type: 513 Bus Standard Ckg Account Number: Banking Center: Pelican Bay Banking Center Phone: 239-594-3512 Business Banking Support: 877-534-2264 7 items totaling $13,855.48 Deposits / Credits Date Amount Descri tion NAPLES FL 5/3 JEANIE DEPOSIT AT LOC 004337 13575 TAMIAMI TRAII 03/04 1,567.50 FL 513 JEANIE DEPOSIT AT LOC 005630 8800 W. TERRY ST. BONITA SPRINGS 03!10 3,720.00 5/3 JEANIE DEPOSIT AT LOC 004337 13575 TAMIAMI TRAIL NAPLES FL 03/15 2,184.00 5/3 JEANIE DEP OSIT AT LOC 004337 13575 TAMIAMI TRAIL NAPLES FL 03117 1,900.00 1,391.98 5/3 JEANIE DEPOSIT AT LOC 005974 9021 BONITA BEACH RD BONITA SPRINGS FL OF NA, 239-948-0900, FL ON 032216 TO CARD#: 03/17 82.00 TT04 NAT ABBEY CARPET DEBCARD 03/22 11,602.18 228 LOC 004337 13575 TAMIAMI TRAIL NAPLES FL 10,049.38 3,010.00 5/3 JEANIE DEPOSIT AT 03/25 14,432.19 03/03 Daily Balance Summary Amount Date Amount Date Amount Date 14,530.17 11,899.45 03/10 11,740.97 03/22 12,279.17 03/01 10,836.89 03/11 10,455.82 03/23 11,602.18 03/02 10,049.38 03/14 9,340.83 03/24 14,432.19 03/03 11,616.88 03/15 11,524.83 03/25 13,426.74 03/04 8,580.77 03/17 13,424.83 03/28 12,625.84 03/07 8,540.77 03/18 13,394.57 03/29 12,553.00 03/08 14,711.20 03/31 8,534.42 03/21 03/09 page 3 of 4 �.a�a� i � V. / V �—va—a�vawv—i• i�iy Chapter 13 In re: Debtor(s) (name(s) used by the debtor(s) in the last 8 years, including married, maiden, trade, and address): Natalina Capone aka Natalina Maresca 8288 Key Royal Lane #1422 Naples, FL 34119 Social Security No.: xxx—xx-6733 Employer's Tax I.D. No.: DISCHARGE OF DEBTOR AFTER COMPLETION OF CHAPTER 13 PLAN It appearing that the debtor is entitled to a discharge, IT IS ORDERED: The debtor is granted a discharge under section 1328(a) of title 11, United States Code, (the Bankruptcy Code). Dated: May 31, 2016 Caryl E. Delano United States Bankruptcy Judge SEE THE BACK OF THIS ORDER FOR IMPORTANT INFORMATION. 012012 25310012024019 ALQ ©� CERTIFICATE OF LIABILITY INSURANCE DATE 6 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER A AUTO BUYERS 2390 IMMOKALEE ROAD NAPLES FL 34110 (239)598-2004 (239)598-3110 NAMEACT WESTON GARNER PHONEN No): ANNALS, AABINSURANCE4@AOL.COM INSURERS AFFORDING COVERAGE NAIC # INSURER A : FEDERATED NATIONAL 10790 INSURED PMT OF NAPLES INC 8851 WEST COLONNAIDES CT 124 BONITA SPRINGS, FL 34135 INSURER B: INSURER C : INSURER D: INSURER E: INSURER F: t1UVaMPkUG.7 -1Iu, I r..v........ .. THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR TYPE OF INSURANCE GENERAL LIABILITYEACH ADDL SUBR POLICY NUMBER MMS Y EFF IPPONLDICY EXP LIMITS OCCURRENCE $ $1,000,000 DAMAGE Q Ea occurrence $ $100,000 PREMISESS (Ea occurrence) NAPLES FL, 34104 ✓ COMMERCIAL GENERAL LIABILITY CLAIMS -MADE M✓ OCCUR RATION All ' ht reserved GL -0000030501-00 09/11/2015 09111/2016 MED EXP (Any oneperson) $ $5,000 PERSONAL & ADV INJURY $ $1,000,000 GENERAL AGGREGATE $ $2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: PRODUCTS - COMP/OP AGG $ $2,000,000 $ COMBINED SINGLE LIMIT ✓ POLICY PRO LOC AUTOMOBILE LIABILITY Ea accident BODILY INJURY (Per person) $ ANY AUTO BODILY INJURY (Per accident) $ ALL OWNED SCHEDULED AUTOS AUTOS NON -OWNED HIRED AUTOS AUTOS PROPERTY DAMAGE $ Per accident UMBRELLA LIAB OCCUR EACH OCCURRENCE $ AGGREGATE $ EXCESS LIAB HCLAIMS-MADE DED RETENTION $ WORKERS COMPENSATION $ ETR TORSTAM-7OH- E.L. EACH ACCIDENT $ EMPLOYERS' LIABILITY Y/N ANY PROPRIETOR/PARTNER/EXECUTIVE E.L. DISEASE - EA EMPLOYE $ OFFICERIMEMBEREXCLUDED? ❑ (Mandatory in NH) N/A E.L. DISEASE - POLICY LIMIT 1 $ 0 yes, describe under DESCRIPTION OF OPERATIONS below DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (Attach ACORD 101, Additional Remarks Schedule, it more space is required) JANITORIAL SERVICES GEH 1 It-IGA It r1ULUtr1 s �- - SHOULD ANY OF THE ABOVE DESCRIBED POLICIES CANCELLED BEFORE GMD OPERATION AND REGULATORY MANAGEMENT, LIC THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. 2800 N. HORSESHOE DR AUTHORIZED REPRESENTATIVE NAPLES FL, 34104 RATION All ' ht reserved ©1988-2010 ACORD CORPO III ACORD 25 (2010/05) The ACORD name and logo are registered marks of ACORD A� a CERTIFICATE OF LIABILITY INSURANCE DwT/271 D/Yl'YY) o6fz7rzols THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NAME: PH E AlC. Ne, Ext: AIC, No): Automatic Data Processing Insurance Agency, Inc. COMMERCIAL GENERAL LIABILITY CLAIMS -MADE F—] OCCUR 1 Adp Boulevard wooREss: INSURERS) AFFORDING COVERAGE NAIL # Roseland, NJ 07068 INSURERA: N -GUARD Insurance Company 31470 EACH OCCURRENCE 5 INSURED INSURER B: INSURER C: PMT OF NAPLES INC 8851 W COLONNADES CT W APT 124 Bonita Springs, FL 34135 INSURER D: GENERAL AGGREGATE S PRODUCTS - COMPiOP AGG $ INSURER E: INSURER F: AUTOMOBILE LIABILITY ANY AUTO ALL OWNED SCHEDULED AUTOS AUTOS HIREDAUTOS AUTOSWNED l w V CRI -- THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS. EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. LTR TYPE OF INSURANCE INSD WYD POUCYNUMBER (MM1DD (MMIDDI LIMITS COMMERCIAL GENERAL LIABILITY CLAIMS -MADE F—] OCCUR EACH OCCURRENCE 5 PREMISES (Ea occurrence) S MED EXP (Any one person) S PERSONAL 6 AOV INJURY S GEN'L AGGREGATE LIMIT APPLIES PER: POLICY PRO- JEC7 LOC OTHER: GENERAL AGGREGATE S PRODUCTS - COMPiOP AGG $ $ AUTOMOBILE LIABILITY ANY AUTO ALL OWNED SCHEDULED AUTOS AUTOS HIREDAUTOS AUTOSWNED COMBINED SINGLE (Ea acddmtj S BODILY INJURY (Per person) S BODILY INJURY (Per accident) $ PROPFRTYIDAMAGE (Per accident) $ $ UMBRELLA LUIB EXCESS UAB OCCUR CLAIMS-NIADE EACH OCCURRENCE S AGGREGATE S DED I I RETENTIONS S A WORKERS COMPENSATION AND EMPLOYERS' LIABILITY YIN ANY PROPRIETOR+PARTNEREXECUTIVE ❑ OFFICEWNIEMBER EXCLUDED? Y (Mandatory in NH) If yes describe wale, DESCRIPTION OF OPERATIONS below NIA N PMWC728313 05/3012016 05%30%2017 X I STATUTE ER E.L. EACH ACCIDENT S 100,000 E.L.DISEASE. EA EMPLOYE § 100,000 E.L.DISEASE-POUCYUMIT $ 500,000 DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101, Addidonai Remarks Schedule, may be attached if more space is required) I c 1 -1 -- SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN GMD Operations and Regulatory Management Licensing ACCORDANCE WITH THE POLICY PROVISIONS. Section 2800 N. Horseshoe Dr. AUTHORIZED REPRESENTATIVE Naples„ FL 34104 1T reserved. ACORD 25 (2014101) The ACORD name and logo are registered marks of ACORD A CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) 6/27/2016 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER Ardent Insurance Group, Inc. 3411 Tamiami Trl N #203 Naples FL 34103 conlTnCT Kenneth Colonia NAME: FAX PHONE . (239)919-3916 A1C No:(866)347-8852 ADDRESS: INSURERS AFFORDING COVERAGE NAIC s INSURERAM4 fre USA(formerly Commerce West INSURED Signature Surfaces 1030 Collier Center Way Suite 6 Naples FL 34110 INSURER B: INSURER C: INSURER D: INSURER E: INSURER F: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR A TYPE OF INSURANCE X COMMERCIAL GENERAL LIABILITY CLAIMS -MADE � OCCUR ADDL "wvn UB POLICY NUMBER CP0504331 POLICY EFF MM/DD 1/31/2016 POLICY EXP MM/D 1/31/2017 LIMITS EACH OCCURRENCE $ 1,000,000 DAMAGE O RENTED 100,000 PREMISES Ea ocwrrence $ MED EXP (Any one person) $ 5, 000 PERSONAL &ADV INJURY $ 1,000,000 GENERAL AGGREGATE $ 2,000,000 GENT AGGREGATE LIMIT APPLIES PER: x POLICY El PRO ❑ LOC JECT PRODUCTS - COMP/OP AGG $ 2,000,000 Employee Benefits $ OTHER: AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $ Ea accident) BODILY INJURY (Per person) $ ANY AUTO ALL OWNED SCHEDULED AUTOS AUTOSNOW OWNED HIRED AUTOS AUTOS BODILY INJURY (Per accident) $ PROPERTY DAMAGE $ Per accident UMBRELLA LIAB OCCUR EACH OCCURRENCE $ AGGREGATE $ EXCESS LIAB CLAIMS MADE DED I I RETENTION $ WORKERS COMPENSATION PER OTH- STATUTE ER E.L. EACH ACCIDENT $ AND EMPLOYERS' LIABILITY Y/ N ANY PROPRIETOR/PARTNER/EXECUTIVE E.L. DISEASE - EA EMPLOYE $ OFFICERtMEMBER EXCLUDED? ❑ (Mandatory in NH) N/A If yes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) 1 t !}{ It: MULUCn GM Operations And Regulatory Management Licensing Section 2800 North Horseshoe Dr. Naples, FL 34104 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE Coloma/VAN ... ..n.. .—^nn ^f%nnnnATlf%kl All —aan,arl ACORD 25 (2014101) The ACORD name and logo are registered marks of ACORD INS02519MAmi CERTIFICATE OF LIABILITY INSURANCE 06282016°"' ' THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WANED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the cerunaaLC 11VIYCI 111 uCu V� au�.rr c PRODUCER CONTACT Paychex Insurance Agency Inc PHONE 877-266-6850 NO)FAX . 585-389-7426 PAYCHEX INSURANCE AGENCY, INC. 150 SAWGRASS DRIVE ROCHESTER, NY 14620 E-MAILSS, Certs@paychex.com ADD INSURER(S) AFFORDING COVERAGE NAIC # NSURED INSURER A: Technology Insurance Company 42376 INSURER B: SIGNATURE SURFACES, LLC 1030 COLLIER CENTER WAY NAPLES, FL 34110 INSURER C: INSURER D: INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. TR R TYPE OF INSURANCE DDL NSR UBR D POLICY NUMBER POLICY EFF (MWDD/YYY10 POLICY EXP (MM/DD/YYYY) LIMITS GENERAL LIABILITY EACH OCCURRENCE $ DAMAGE TO RENTED�S (Fa occurrence) $ COMMERCIAL GENERAL LIABILITY MED EXP (Any one person) $ CLAIMS-MADE[::]DCCUR PERSONAL & ADV INJURY $ GENERAL AGGREGATE $ PEILAGGREGATE LIMIT APPLIES PER: POLICY = PROJECT= LOC PRODUCTS - COMP/OP AGG $ $ AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $ (Ea accident) BODILY INJURY $ (Per person) ANY AUTO ALL OWNED SCHEDULED AUTOS NON -OWNED HIRED AUTOS AUTOS P BODILY INJURY $ (Per accident) PROPERTY DAMAGE $ (Per accident) $ UMBRELLA LIAB OCCUR EXCESS LIAB CLAIMS -MADE EACH OCCURRENCE $ AGGREGATE $ DED RETENTION S WORKERS COMPENSATION AND EMPLOYERS' LIABILITY TWC3552573 06/04/2016 06/04/2017 X WC STAN- OTH- E.L. EACH ACCIDENT $ 100,000.00 E.L. DISEASE - EA EMPLOYEE $ 100,000.00 ANY PROPRIETOR/PARTNER/EXECUTNE OFFICERIMEMBER EXCLUDED? (Mandatory in NH) Y N/A E.L. DISEASE - POLICY LIMIT $ 500,000.00 If yes, describe under nPQr.P1PT1 F nPFRATInN.9 h,l— T )ESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (Attach ACORD 101, Additional Remarks Schedule, It more space is required) CERTIFICATE HOLDER GMD Operations And Regulatory Management Licensing Section Lice LiceNOrth Horseshoe Dr. 2800 Naples, , h orses CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS, BUT FAILURE TO MAIL SUCH NOTICE SHALL IMPOSE NO OBLIGATION OR LIABILITY OF ANY KIND UPON THE COMPANY, ITS AGENTS OR REPRESENTATIVES. AUTHORIZED REPRESENTATIVE��� ACORD 25 (2010/05) 1988-2010 ACORD CORPORATION. All rignts reserves. The ACORD name and logo are registered marks of ACORD