Loading...
Agenda 05/13/2014 Item #16D11 Proposed Agenda Changes Board of County Commissioners Meeting May 13,2014 Continue Item 16C4 to the May 27.2014 BCC Meeting: Recommendation to authorize advertising an ordinance amending Ordinance No.2002-17,the Collier County Water Irrigation Ordinance,to maintain compatibility with the South Florida Water Management District's Mandatory Year-Round Landscape Irrigation Conservation Measures,as amended,and providing for the repeal of Ordinance No.2000-61,as redundant. (Commissioner Nance's request) Continue Item 16D2 to the May 27.2014 BCC Meeting: Recommendation to approve a Grant Agreement with the Florida Department of Children and Families to implement a three-year Criminal Justice Mental Health and Substance Abuse Reinvestment Grant Program in the amount of $853,316.71 and approve subrecipient agreements with the David Lawrence Center for$367,140.80, the Collier County Sheriffs Office for$333,123,and the National Alliance of Mental Illness of Collier County,for$106,686.(Staffs request) Move Item 16D11 to Item 11F: Recommendation to approve a satisfaction of mortgage for the State Housing Initiatives Partnership (SHIP) Program in accordance with the Board's Short Sale Policy, accepting $1,431 to satisfy the SHIP mortgage. (Commissioner Henning's request) Note: Item 16D19: Title on Executive Summary should read: Recommendation to approve the write-off of an account receivable in the amount of$ 500$32.500 associated with a reimbursement promise from the Friends of the Collier County Museum to purchase a WWII Sherman tank. (Staffs request) Time Certain Items: Item 11B to be heard at 9:30 a.m. Item 11A to be heard at 10:00 a.m. Item 13A to be heard at 10:45 a.m. Item 11E to be heard at 11:30 a.m. 5/13/2014 8:38 AM 5/13/2014 16.D.11. EXECUTIVE SUMMARY Recommendation to approve a satisfaction of mortgage for the State Housing Initiatives Partnership (SHIP) Program in accordance with the Board's Short Sale Policy, accepting $1,431 to satisfy the SHIP mortgage. OBJECTIVE: To support the affordability of housing in Collier County through down payment and emergency repair and/or rehabilitation assistance programs. CONSIDERATIONS: The State Housing Initiatives Partnership Program (SHIP), a state affordable housing grant, offers assistance to first time homebuyers for use toward a portion of the required down payment and emergency repairs to the newly acquired home. As a condition of award, the homeowner must repay the assistance provided upon sale, refinance or loss of homestead exemption. On February 28, 2012, the Board approved a Short Sale Policy for the SHIP program (Agenda item 16D7). The Short Sale Policy provides a settlement amount toward the down payment assistance in the amount of 6% of the Collier County loan or $6,000 (whichever is less but never less than $500) in an effort to facilitate a Short Sale. The recipient,as the seller of the property, must not receive funds from the short sale. The following table contains relevant details of this Short Sale. The recipients received no funds from the short sale as evidenced by the HUD1. Recipient Name First Mortgage First Mortgage SHIP Mortgage Payoff Amount Public Record & Accepted Payoff Public Record & of the second date of mortgage HUD1 Line date mortgage mortgage HUD1 signed 504/505 signed Line 505/508 Bonnie Turner $125,150.00 $101,514.32 $23,850.00 $1,431.00 OR:4283/PG:0667 OR:4283/PG:0697 09/19/2007 09/19/2007 Total $1,431.00 *Approval of this item will authorize the Chairman to sign the aforementioned satisfaction of mortgage for recording in the Public Records of Collier County.Florida. FISCAL IMPACT: SHIP funds in the amount of$1,431 have been repaid and will reside in SHIP Grant Fund 791, Project 33258 and are considered program income. Such funds may be reused for eligible SHIP program activities. The $10 recording fee will be paid by the recipient. LEGAL CONSIDERATIONS: This item is approved as to form and legality and requires majority vote for approval. -JAB GROWTH MANAGEMENT IMPACT: There is no growth management impact associated with action. RECOMMENDATION: That the Board of County Commissioners approves and authorizes the Chairman to sign a satisfaction of mortgage in accordance with the Board-approved Short Sale Policy. Prepared By: Mandy Moody, Grant Support Specialist, Housing, Human and Veteran Services Packet Page -1162- 5/13/2014 16.D.11 . COLLIER COUNTY Board of County Commissioners Item Number: 16.16.D.16.D.11. Item Summary: Recommendation to approve a satisfaction of mortgage for the State Housing Initiatives Partnership Program in accordance with the Board's Short Sale Policy, accepting$1,431 to satisfy the SHIP mortgage. Meeting Date: 5/13/2014 Prepared By Name: MoodyMandy Title: VALUE MISSING 4/17/2014 1:58:32 PM Submitted by Title: VALUE MISSING Name: MoodyMandy 4/17/2014 1:58:33 PM Approved By Name: TownsendAmanda Title: Director-Operations Support,Public Services Division Date: 4/17/2014 5:40:49 PM Name: DoriaPriscilla Title: Grants Coordinator,Housing, Human &Veteran Services Date: 4/18/2014 10:23:39 AM Name: AlonsoHailey Title: Operations Analyst,Public Services Division Date: 4/23/2014 4:48:46 PM Name: KushiEdmond Title: Accountant, Housing,Human &Veteran Services Date: 4/24/2014 8:09:51 AM Packet Page-1163- 5/13/2014 16.D.11 . Name: GrantKimberley Title: Director-Housing,Human and Veteran S,Housing, Human&Veteran Services Date: 4/24/2014 12:22:31 PM Name: SonntagKristi Title: Manager-Federal/State Grants Operation,Housing, Human &Veteran Services Date: 4/25/2014 11:35:12 AM Name: RobinsonErica Title: Accountant, Senior, Grants Management Office Date: 4/29/2014 9:05:23 AM Name: BelpedioJennifer Title:Assistant County Attorney, CAO General Services Date: 4/29/2014 2:51:32 PM Name: CarnellSteve Title: Administrator-Public Services,Public Services Division Date: 4/30/2014 8:57:57 PM Name: KlatzkowJeff Title: County Attorney, Date: 5/1/2014 8:17:17 AM Name: StanleyTherese Title: Management/Budget Analyst, Senior, Grants Management Office Date: 5/1/2014 9:02:24 AM Name: FinnEd Title: Management/Budget Analyst, Senior,Transportation Engineering&Construction Management Date: 5/2/2014 5:29:49 PM Name: OchsLeo Title: County Manager, County Managers Office Date: 5/5/2014 12:17:23 PM Packet Page-1164- 5/13/2014 16.D.11 . Prepared by:Mandy Moody Collier County Housing,Human&Veteran Services 3339 E.Tamiami Trail Naples,FL 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGE KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Bonnie Turner to COLLIER COUNTY,bearing the date of September 12. 2007, recorded September 19, 2007 , in Official Records Book 4283, Page 0697, of the Public Records of Collier County, Florida, securing a principal sum of$23,850.00 and certain promises and obligations set forth in said Mortgage,upon the property described in the aforementioned Mortgage. COLLIER COUNTY hereby acknowledges payment and satisfaction of said Mortgage, in accordance with Collier County Short Sale Policy, approved by the Board of County Commissioners on February 28, 2012, Agenda Item 16.D.7, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same record. This Satisfaction of Mortgage was approved by the Board of County Commissioners on - ,2014 Agenda Item Number ATTEST: BOARD OF COUNTY COMMISSIONERS DWIGHT E. BROCK, CLERK OF COLLIER COUNTY,FLORIDA By: By: , DEPUTY CLERK TOM HENNING, CHAIRMAN Approval for form and legality: Jenni 'er A. Belpeti o. Assistant County Attorney 1 \- Packet Page-1165- Rein: 4073883 OR: 4283 PG! 0697 ACTION TITLE CO RRCORDBD in the OPPICIAL RECORDS of COLI 5/13/2014 16.D.11 . PICK UP 09/19/2007 at 11:18AX DWIGHT E. BROCK, ‘LAMA OBLI 238.50 SECOND MORTGAGE REC FBB 35.50 Action Title 3733 Tamiaml Trail N. Naples,Ft 34103 a0-70 oot6 THIS SECOND MORTGAGE("Security Instrument")is given on September 12 2007. The Second Mortgagor is: Bonnie Turner,a single woman ("Borrower"). This Security Instrument is given to Collier County ("Lender"),which is organized and existing under the laws of the United States of America,and whose address is 3301 E. Tamiami Trail, Naples, Florida 34112 . Borrower owes Lender the sum of Twenty Three Thousand Eight Hundred Fifty and 00/100 Dollars ($23,850.00). This debt is evidenced by Borrower's Note dated the same date as this Security Instrument("Second Mortgage"),which provides for monthly payments,with the full debt,if not paid earlier,due and payable on sale of property, refinance, or loss of homestead exemption . This Security Instrument secures to Lender:(a)the repayment of the debt evidenced by the Note,with interest,and all renewals,extensions and modifications;(b)the payment of all other sums,with interest advanced under paragraph 7 to protect the security of the Security Instrument;and(c)the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose,Borrower does hereby second mortgage,grant and convey to Lender the following described property located in Collier County,Florida. a (DL: 6101)$IT ti As more particularly described as Spanish Pines,a Condominium,NKA Bldg B Unit 4 and which has the address of: ("Property Address"): 135 Cypress Way East #B-4, Naples, Florida 34110 TOGETHER WITH all the improvements now or hereafter erected on the property,and all easements,rights,appurtenances,rents, royalties,mineral,oil and gas rights and profits,water rights and stock and all fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by the Security Instrument. All of the foregoing is referred to in this Security Instrument as the"Property". BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage,grant and convey the Property and that the Property is unencumbered,_except-forendu pbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands„sntijeat3 rifeff arc mtlagces of record. THIS SECURITY INSTRUMENT combines-tfrV`orf n,,cfbvenents-fdr hatj$t 'use and non-uniform covenants with limited variation by jurisdiction to constitute a uniform security instrument cok ng real property./'j.\ UNIFORM COVENANTS. Borrower arid epder covenant and agree as'fgiiowss 1. Payment of Principal and Interest;Prepaymentand Late Charges.li rrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note. / / 2. Taxes. The Mortgagor will pay.all taxes,assessrneents-sewer re s or water rat ti prior to the accrual of any penalties or interest thereon. `-, r� The Mortgagor shall pay or cause to b /pa�Fhe sa e'a pe,_iv ly,B rue,YA)(1)all taxes and governmental charges of any kind whatsoever which may at any time be iawft�l(y ass d r leve l a Idinst oraydtt res ect the Property,(2)all utility and other charges, including"service charges",incurred or im f a ioA aiht nce,,Jse,lgr i by,upkeep and improvement of the Property,and (3)all assessments or other governmental �s tit may lawfully be�p • in instellments.over a period of years,the Mortgagor shall be obligated under the Mortgage to pay or causete^be paid only such installmc(its as are reqglred to be paid during the term of the Mortgage,and shall,promptly after the payment of any of the\fpf'egping,forward to Mortgageeeeviderycee'bf,uch payment. 3. Application of Payments. Unless applicable law provides otherwise,all ayments received by Lender shall be applied;first,to interest due;and,to principal due;and last,to anylale`b arges due under the N tk / 4. Charges;Liens. Borrower shall pay ail to s ssessments,s.ha ges f r, s and impositions attributable to the Property which may attain priority over this Security Instrument,and leasehold pS''ments gr-,aroarairentd,if any. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph,and alhrecei is b id ding-the payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower:(a)agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender;(b)contests in good faith the lien by,or defends against enforcement of the lien in,legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien;or(c)secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which may attain priority over the Security Instrument,Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. 5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire,hazards included within the term"extended coverage"and any other hazards,including floods or flooding,for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above,Lender may,at Lender's option,obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. At all times that the Note is outstanding,the Mortgagor shall maintain insurance with respect to the Premises against such risks and for such amounts as are customarily insured against and pay,as the same become due and payable,all premiums in respect thereto, including,but not limited to,all-risk insurance protecting the interests of the Mortgagor and Mortgagee against loss or damage to the Premises by fire,lightning,and other casualties customarily insured against(including boiler explosion,if appropriate),with a uniform standard extended coverage endorsement,including debris removal coverage. Such insurance at all times to be in an amount not less than the full replacement cost of the Premises,exclusive of footings and foundations. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires,Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss,Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptiy by Borrower. Unless Lender and Borrower otherwise agree in writing,insurance proceeds shall be applied to restoration or repair of the Property damaged,if the restoration or repair is economically feasible and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lender's security would be lessened,the insurance proceeds shall be applied to the sums secured by the Security Instrument,whether or not then due,with any excess paid to Borrower. If Borrower abandons the Property,or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim,then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument,whether or not then due. The 30-day period will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in writing,any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraph 1 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender,Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. S. Occupancy,Preservation,Maintenance and Protection of the Property;Borrower's Loan Application,Leaseholds. Borrower shall occupy,establish,and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy,unless Lender otherwise agrees in writing,which consent shall not be unreasonably withheld,or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall not destroy,damage or impair the Property,allow the Property to deteriorate,or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding,whether civil or criminal,is begun that in Lender's good faith Packet Page -1166- . 5/13/2014 16.D.11 . •judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate,as provided in paragraph 18,by causing the action or proceeding to be dismissed with a ruling that,in Lender's good faith determination,precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lenders security interest. Borrower shall also be in default if Borrower,during the loan application process,gave materially false or inaccurate information or statements to Lender(or failed to provide Lender with any material information)in connection with the loan evidenced by the Note,including,but not limited to,representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold,Borrower shall comply with all the provision of the lease. If Borrower acquires fee title to the Property,the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument,or there is a legal proceeding that may significantly affect Lender's rights in the Property(such as a proceeding in bankruptcy,probate,for condemnation or forfeiture or to enforce laws or regulations),then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority over this Security Instrument,appearing in court,paying reasonable attorneys'fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7,Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment,these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable,with interest,upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument,Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If,for any reason,the mortgage insurance coverage required by Lender lapses or ceases to be in effect,Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect,at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect,from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available,Borrower shall pay to Lender each month a sum equal to one-twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept,use and retain these payments as a loss reserve in lieu of mortgage insurance. Loss reserve payments may no longer be required,at the option of Lender,if mortgage insurance coverage(in the amount and for the period that Lender requires)provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect,or to provide a loss reserve,until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. Condemnation. The proceeds of any award or claim for damages,direct or consequential,in connection with any condemnation or other taking of any part of the Property,or for conveyance in lieu of condemnation,are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property,the proceeds shall be applied to the sums secured by this Security Instrument,whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property,in which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking,unless Borrower and Lender otherwise agree in writing,the sums secured by thin Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction:(a)the total amount of_theTvinps*urpq immediately before the taking,divided by(b)the fair market value of the Property immediately before the taking. Any b y Y aBorreWer,In the event of a partial taking of the Property in which the fair market value of the Property immediately bef� ittte- ing is less th`ah *. unt of the sums secured immediately for the taking, unless Borrower and Lender otherwise agree in wri( or"unless applicable law otheeovise,provides,the proceeds shall be applied to the sums secured by this Security Instrument whether or not the"sums are then due. Unless Lender and Borrower otherwise agree in writing,any application of proceeds to principal shall not extendtir p stPpone the dee-dat the monthly;yments referred to in paragraphs 1 or change the amount of such payments. / '\ 11. Borrower Not Released,Forbearance-jkr.-Lend (oti-M(pivgt, CxtenelDn oflthe time for payment or modification of amortization of the sums secured by this Securit i4nstrurtte�t olar�teei,by jtder an�kuccessor in interest of Borrower shall not operate to release the liability of the original Borrower br Bo ovfer's successprs)irry]i,'i refit. nd'er shall not be required to commence proceedings against any successor in interest or refuse tpretdend t;`rrje fbr paym91tt r eitherwis,i modify aresirtization of the sums secured by this Security Instrument by reason of any demand made}(X,tbekongirril Borg or of wer's sicce*s6�S in interest. Any forbearance by Lender in exercising any right or remedy shall not be a Waiver of or preclude the exercise of any rigt Ler,femedy. 12. Successors and Assigns Bouhd_Joint and Several Liabilit y:o-Signers./fhe covenants and agreements of this Security Instrument shall bind and benefit the successo'rsOdessigns of Lender and Borrower;,etl jest to the Provisions of paragraph 17. Borrower's covenaritswa 5t agreements shall be joint arks yeral. Any Borrower who co-signs this Security Instrument but does not execute the Note;(a)is coysigntpg"t ' Security Instrument phjy to mortgage,grant and convey that Borrower's interest in the Property under the terms of this Security Instrument;(Mist , oil ly bbjjgated to pay the sums secured by this Security Instrument; and(c)agrees that Lender and any other Borrower may itjreette ettd,tun r forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's coonsent-— 13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges,and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the permitted limits,then:(a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;and(b)any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal,the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law required use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph. 16. Governing Law;Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law,such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred(or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person)without Lender's prior written consent,Lender may,at its option,require immediate payment in full of all sums secured by this Security Instrument. However,this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercised this option,Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period,Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrower's Right to Reinstate. If Borrower meets certain conditions,Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of:(a)5 days(or such other period as applicable law may specify for reinstatement)before sale of the Property pursuant to any power of sale contained in this Security Instrument;or(b)entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower:(a)pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred;(b)cures and default of any other covenants or agreements;(c)pays all expenses incurred in enforcing this Security Instrument,including,but not limited to,reasonable attorney's fees;and(d)takes such action as Lender may reasonably require to assure that the lien of this Security Instrument,Lender's rights in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower,this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However,this right to reinstate shall not apply in the case of acceleration under paragraph 17. 19. Sale of Note;Change of Loan Servicer. The Note or a partial interest in the Note(together with this Security Instrument)may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity(known as the"Loan Servicer")that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer,Borrower will be given written notice of the change in accordance with Packet Page -1167- 5/13/2014 16.D.11 . paragraph 14 and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence,use,disposal,storage,or release of any Hazardous Substances on or in the Property. Borrower shall not do,nor allow anyone else to do,anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence,use,or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice for any investigation,claim,demand,lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns,or is notified by any governmental or regulatory authority,that any removal or other remediation of any Hazardous Substance affecting the Property is necessary,Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20,"Hazardous Substances"are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline,kerosene,other flammable or toxic petroleum products,toxic pesticides and herbicides,volatile solvents,materials containing asbestos or formaldehyde,and radioactive materials. As used in this paragraph 20,"Environmental Law"means federal laws and laws of the jurisdiction where the Property is located that relate to health,safety or environmental protection. 21. Acceleration;Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument(but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a)the default;(b)the action required to cure the default;(c)a date,not less than 30 days from the date the notice is given to Borrower,by which the default must be cured;and(d)that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument,foreclosure by judicial proceeding and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured on or before the date specified in the notice, Lender,at its option,may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21,including,but not limited to,reasonable attorney's fees and costs of the title evidence. 22. Release. Upon payment of all sums secured by this Security Instrument,Lender shall release this Security Instrument,without charge,to Borrower. Borrower shall pay any recordation costs. 23. Attorneys'Fees. As used in this Security Instrument and the Note,"attorneys'fees"shall include any attorneys'fees awarded by an appellate court. 24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument,the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s)were a part of this Security Instrument. (Check Applicable Box) ❑Adjustable Rate Rider ❑Rate Improvement Rider ❑Condominium Rider ❑Graduated Payment Rider ❑1-4 Family Ride; R r'4 ❑Second Home Rider ❑Balloon Rider ❑BiweeklPant e�— _`� R ned Unit Development Rider ❑Other(s)(specify SIGNING BELOW,Borro r accepts and agrees thed an 1Eovenants' .ntained,in th1 Security Instrument and in any rider(s)executed by Borrower and recorde•with it. / Ii -�� = Signed,s-.ed and• liv red in the presence ofa s° / f r r \ Borro r Bdrttt31e rner Sign.cure: 1 j Ai • f-t. PttikA••._ -„r.,,, jh, f ._' "`t I Witn= s= : \•r- \ Signature: \ ()N Co-Borrowef , / Signature: "\ ,e^ r� - \ 4i' ��r '-Address" 135 Cypress Way East #B-4 Naples, FL 34110 STATE OF FLORIDA COUNTY OF C0L-LC..--._ I hereby certify that on this day,before me,an officer duly authorized in the state aforesaid and in the county aforesaid to take acknowledgements,personally appeared Bonnie Turner, to me known to be the person(s)described in and who executed the foregoing instrument and acknowledged before me that(He/she/they)executed the same for e purpose therein expressed. I WITNESS my hand and official seal in the County and State afore -.• -�,•ay of St.PT• ,200+. My Commission Expires: / • otary Public's Si•iiri- (Seal) Notary's Print_.Nacre I „ Notary Public State or F!orda a4 u kielandra M Pelham y, My Commission t020�397153 ••4 '4, EzPnes 04 Fite#: 06-191 Packet Page-1168- 5/13/2014 16.D.11. File No.: 207080016 ' *** OR: 4283 PG: 0700 *** EXHIBIT A UNIT B-4, SPANISH PINES, A CONDOMINIUM, ACCORDING TO THE DECLARATION OF CONDOMINIUM THEREOF, OF RECORD IN OFFICIAL RECORD BOOK 958, PAGES 399 THROUGH 391, AS AMENDED, OF THE PUBLIC RECORDS OF COLLIER COUNTY, FLORIDA, TOGETHER WITH AN UNDIVIDED SHARE IN THE COMMON ELEMENTS APPURTENANT THERETO. 1/17(:02) D '11 Imo ' II III Packet Page-1169- 5/13/2014 16.D 11 V III' OOMB No.2502-0265 A. Settlement Statement (HUD-1) t.'I)Pcltlht.0711 - I. O FHA 2.0 RHS 3.00 Cony Unim 6.Filo Number 7.Loan Number 8.Mortgage Ins Case Number 4. OVA 5.t7 Cony Ins. 6,0 Seller Fin BB-148618 001123862063 7. O Cosh Sale. C.Note: This farm is famished to give you a statement of actual settlement coas.AIllaua4 paid to and by the settlement agent are shown. Ilene marked "(p.o.c.)'were paid outside the closing;Ihoy_arc shown hero for informational proposes and ate not Included in the totals. D.Nero.&Addreu of Borrower E.Name&Address of Seller F.Name&Address of Lender Anthony Caoglin and Erin Canglln,husband and BonnieTuruer CitiBank,N.A. wife 119 Ertl North Street 1000 Technology Drive,MS 945 168 Flame Vine Delve Carlisle,PA 17013 O'Fnhoa,MO 63368.2240 Naples,FL 34110 G,Property Location H.Settlement Agent Name 1.Setdemenl Owe - Best Beach Title of Southwest Florida,LLC 3h0/2014 3933 Biscayne Blvd. Fund: L7 r&r' L�~M 135 Cypress Way E 8 13-4 Miami,FL 33137 .I 4 v V r `/ Naples,FL 34110 395-103-3402 Undenvritten Bu Fidelity Place of Sctticaxol Best Beach Title,LEC APR R 2014 Ph:305-866.0777 3933 Biscayne Boulevard Collier Coun , '1-t S Grants hhamd,FL 33137 8. , .1 • - •.5 Smnoiary of lorrinr lr l'iutn:diva .'.H,tiutunianofSrIler>lrataal ion 10QGros PAtaounlDtdfromBorrower --•• .... s 4UD:Groiiilmatfall)itelo'Sello - .. . . :101 Conirn41`6la pride $115,000.00 401:Cunlrra salci'prico . 5115,000.00 ..102r 1.6 1-•i g i t i i i 6 w e n t Y. •• :. .-- - 4 0 2 r.Persaeel whom*: -•., .143 §e'ltle deni oluirgos to borrowei .. 53,525.42 403. .. . •- I64:,....•..�_.. . . . � '. ... 404. .. ]Ilk:`l'.d. F'....., Adjsirtments.fdr"lteiaipaldbysillerisadvance -• AdJnitmea lsforhemspekdby letter in advance J' :IOb...County:_Peupuiy7axei Tetras owryPmpany. . - 107.1f0AJCsoado Dues' - 407.HOA/Condo Dues ' : - .• 108:-HOAJ•dndo Dan - . 408.HOAICondo Dun •.• . -• 1�.. 409,' . 110:-.1113A Was• . . • ' . 410.NOA T3ues• ell 411. . • . . i1 . 412. - . 2i7. I' au. ._..... . -.'• ( 415,. 115 0116 :."4 ... 416E - • . 12017dar"v'u''.iiooiintlivaFroitjorrowcr 5 5118,525.42 420,`:ClosuA:nouut-DucieSelli4 5115,000.00• =208-y,onel1itepdd BytirletBehaff.OfHarrower.j. ii- '^. :: :509.'Redadl-0nCIA'AI2000tDpetoSellar..';:''-,.:.'is..,...,:' - ,_ 201 Ile>resifbr:earisra1 ieoney• '.- 510,000.00 5015'-Eueesiil epaiit•(see fniilbeiiair) -.- :•-202.,%Pullet 61ianubplofaetv;bawi(s)' .. - 586,150.00 5o2..SNtletneulebargirlb sellci(line-1400)•• -.. '• $9,500.00 203:Ei i6Gugiiifis[i)takers'subkcrt to . . .` 503:Exlillag loaa(a)iafcnsnbJect to-` ` <?; • 561.•Paywrof VS Bank Home Modgege- 5101,91432 205 - SOS.'PayoffofFHfC .'..•• .. 52,385.00 2136,li0CbyBeirroWer 566550 506.1 If fCellierCooityPttbl 'YIcCn 11,441.00 -- itrIC, A 207 507.;(0411$10,000 Disbnlsed as Proceeds)' yyy 208 508, 0 9 .6c„...._ 209.• 509. . . Adjrutmeati for Keats unpaid by seller - : '.• . Adjostiaentr for lumsunpaidby seller.' , . A , 210.County-PtopertyTmsa 0l/01/141bru03Re/14. 579.68 T C011°TyPrn y 01/01/14 Purr 03/28/14'• 579.68 (i�J.t u 211 110A/CoadoDuei - .. •..• 511:'HOA/Condo truck . 212.•HOA/Condo pica- - . 512 BOA/Coado Does..• 213 513. _• 314').4g4llun 514..HDA Dan• 21d• 516.` .217..• - .517.:.. ill I 5tfi.:• 220.:Toliteeld-$yfl!eriBorrbsier •'- ' - 596,995.18 320,Toles3-RCdudloaAtaouotDucS.1i r.....• S115,000.00• 300 C4aL,-At_Sill!ii*ttFecuiTf6B4t'rower• ' 66 0.CSslt.A1SettlitueotTo/FromSellei-. •,'.' . 20 fri*lii Aolmmi&io-from6oiuovrrt(linc120)- 5118,525.42 60L.Gmti'Amara doe to roller'Cilia 4203:.:. : . 5115,000.00 302:Id ii u'sil5jiiid,by7fos'boriocvm(11re220) $96995.18 602:Leiredoettensin win.dnc'xcllcratrii5201':`: . $115,000.00•303:Cii6'FSbl6(116iro*e, .. ' ._ $15,5.30.74 603.E5iih'5eller .. 50.00 The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting,reviewing.and reporting the data.This agency may na1 collect this infomsatiun.and you are nut required to complete this form,unless It displays a eurently valid OMB control number.No confidentiality is assured;this disclosure is mandatory.This is designed to provide the parties in a RESPA covered tmnsuetiun with infomtation during she settlement process. Previous editions are obsolete Page 1 of 4 HUD•I Packet Page -1170- 5/13/2014 16.D.11 . I, tielllctnbntCbnr);es; 700.Totua Asa!Ealdte'Biokier i:. • c -.:`53;'4so:orp .:.. •" - • • PaidPwrr)"�: PaidFmdv•• Divisieii afComi Orc aisites tl 700)es fe![ows;: . .- .. . :Botroucfn,.:. !tellers'•70;'$I713,0.0. .. . . . . 'to(Oaolr.Ndblly'• •. Fiiudi'ot. Rinds'• 702 51,725.00 .. . . • :to Onbli3tealry . .. ._ - •. Scttltmenl • ,'Scakmcnt.• '703.Comailiilon Paid at Settlement - . • - . - • •• S0.00 53,430.00 rr 00hPh1Loan'Ydt'15.',t1u3„-.M7'ti`°'7. S4FFf'';'. .•'kr.fA?7wi1+er16 t'f1'f["Tp ::ta-1,• .601:'Om'.orighiilao ebiritd . 7 ' . • ,Siis.oe 1 •(from GPE A 1) BOX; ArddU:dr obfiiRA(Sothis)for the speclGe:idle chosen'. ••• . 1$10791 .(010m60092).• 603;:Yoitt nt4tdort8faaUoritbi get -. . . :to CitlHaalt.N.A.;. .. .. '7(1minOPEA) $822.01 609G Apprilsul Feo: • . - •i)D. Citlm'ak,M : .' ifoiiri oFE'oi) 5560.00 905rdedltrepot) • -19 •E0U1fsi • . . 'i(frum:O9)3031 52.25 9061'Tilceceyfee:;. `. fo Corelogic .. (from0FE e3) $77.00 .807t..F dtdt)1AcoIieu _....... ... io., COrdo�lt. .._ _(from(1FRfa)• 53.25 'epg.cdt•'1'1717 4T9..•'4 :J. :;rt17430'' rill •e'`p +r L01.,=:1;:13( F3,I141Siv,'Iffe;i:t 1 7, - 901:Dill).1;I nt40 bfiauges60ni3/28/2014,io411)014®S8S7ldry. -(f!om AFC Pig) $34.28 902,-Mongntte liaoieltne Prrmfamfor manila to " - . - .•. •- :(fmm'OPE kl1 903.:Boineowliefebismmneetor)year4 .to":TOworHf111muroecc • .. ..:roa(msn5.01%, nmM)1EI/111 904. O:6 Pol)ryPraaium • • '.to..TeiierHHUl' .;' {fiom'6FE011$ r--•'R:" 'F-or wa f SI ',yx�l� !rr^„�N,.: �,,.., r i'•,.in'V}\NTI4 ..-T-Mater y,Fz• Mt,iei✓='�1:.�}'i�'it=5�:(I�'•,l,.:k,��ic;",,..,c�.i'dSvic.'0Ss' .caki::iltj C'f?o`��'R:�,?e. +.-'l'J.:-.f:Y: ,7�.:t-. :11p1:.[oft(ihDcCV.•sii for;yoar .• %(from GFE.89) 5232.29 '100241omcolmdiinsolence iiioatbs® • S49.59 .per month ... • 1003.-Modgagdldsitrn66e - montbs'@• •. .per'moath: _- ..' 1064.CouaryPropaiyloam• - • .7 monitifk) $27.86 pa vinni}i •. • 5194.99, .1005;•CondoCOnuentliiiiriincotscrow ' '' '3. iiidr)Ihs'@ -$4939:'15ermondi • ;$148.17 1000:1101i/CObdo'Duee .. • . _ . • •otootbi� : •` .. permotith • •••.:• •IOO7r - maolhs l� • pc mm lh . '1008.140A Ducit: • . ' : mooths(g. , put moods :" 1009:-: 0 `moailis• .. _• -10)0. . . 0. •ntontlri.@ 1011.Agpegoto4djuitment - • S•111A8 �.r�+Tnprr �tly� 520==t?ll'oSr� " i1EMII- '" •r N!St SY+:! ,3 •,no. 3:5 n.M1r.:•r c ul'.U.111fc6'r9?'6=��'-.1V`- ilol:Titloservleesand:lcnde?itl!)einwefiee - to 13es4.HeoebTttleOISOothwes t Florida,LLC OPT 64) $1,095.00 'HdlBenebT leof 1102 Sell)emen)oielotoeg fee to SoutbwalFloddo; • . 1475.00 S375.00 1.103:Owric1i title insurmae • •. to PfdtUly National Tide Insurance.Coinpaoy • (from OFL•A5) 5650.00 11141 Latilu'atitfelnstiianee ' " to _Fidelity'Notional Tlt1elneniarieeCoiopeny.. ' _ 5200.00 105;Lcndeth tftl polioy.lkmIt.S 446,25030)5260,00:•.. . • - . • .. 110(�thititYSl)tlepolley)t$ • ..5115;000.0013650.00 • 1107.A8t01a panlon of dLo t o i n l lilac tosw B u i e •••-;• . • •-•:479450 Fldcll NettnnaiT7tie: 1f08Uadeswrilct4 pbrrioOoflbc fatal ti0etasttrantn:picmrtup..io.,•,_ � :434950' F7dcI1 1yNutloonlT111 $03 00• 1109 FL Form 9 - .. inroranca Company •• 1110 4 L(Coodomialora) - .``a-,'FfdcUlyNitlenalTlUe` - - - • $100.00 taiuianee Calvalav .. FfdelflyNntlb0o1T1Ue= ., .$100.00 )ill:$,l(Endirpmntotol) • to • .linurtwee compaav .: " • 1112'��Vlre-Fee - • 6 .H oulBwbb Too L.L C' :S3SAO:if•aiatsok $0.00 •1117 Imeg .g Fee to; Hest 13e0ch 7111eof •:$35.00(oom'0FY 641 $0,00 . • SdiitkifisalArids;'LLC. • - 1114 Cover Fee • gip_B541SttachtilfeOf 365.DOlimn'GF2ir-i) 00.00 .. �:Southae{`i filorida,�LT.0 � - ills ru�Anst t ,•o BrsrBiACbTiueo(. 5250.00 ... .. : SOtilhseei6FlOr4dq LLC .. _. • ( _gpys.v lc9j1't ''•rd• `10111'*..impreGcNl ;w *r.„�7+�-_iiil,fi -•,ir�i V4567' :1411t1Iti Ot:31'ran, "!,- -�L.i^.;...,.•a°'G'R 4'Y'anx�ar,: : i 2d1 Qoverum'edf irdi3l tt ig"ehsrges'•• .- - ,..' :,• ,• '(tmm GFE ai) S224.00• 1202..Defd 52700 IK ort 906 e-S197.00;Reltays5 1)0 0 +o Clerl-a(- Courii 1203•Teo sfci.tt fed:'• (fromGPL 118} 5474.55 120-I Carp/Gountytazkia •mps 50.00 Mcttgdgo• !nLaeriiofCourn .•sl2sb ' •- r fr530ed.3805.0 0;MOrtgoge 1205 Smlc milstomps • to:Ccrt otCpurt .. $505.00 ,. ';' '•n r Y ._tq n:r-..nr3•lEu p3 ?ayv r ^:n G)`4Wr Ju g7ff3_ ILitit i3f/P6` ?9i 3�P3't'ra,14'L%Ba4:r'lt-i.. P' ,$i 1301 Bsquued andicttyducani)iop:for,_ '.. • `,". . :' ' (from PP, 1!6) .. .,.Aceurdte,LlecSeutchi r .:;:•: .._ "' : - 1302.'Llco�SCaicb',. ..(°..Servlsei,LLC • _ - 5250.00 1303 PatoppclLeilerFcc 7• --. •tustAesorini&'Gn1 PA $300.00 . • .. .: .. .....:. -:. .- S5 uouceBc Gp)P l 53,500.00 1400 fr,tu)_Strtlruuut t:barge+{rntrr4in tine)II St'i•itee.1 end 502.$tetkitt K) S3,SZSA2 09,560.00 POC(B)-Paid Outside of Closing by Bermwer,POC IS)-Paid Outside of Cloetng by Seller.POC)L)-Paid Outside of Closing by Lander. Previous editions are obsolete Page 2 of 4 111113-1 Packet Page-1171- 5/13/2014 16.D.11 . OSErfaMglts1L ANgsjakk C )DLO iAVAl. et rgalMilliE n;ag: , ^t. 21{,'Ottnr,Y,r:.;�;.elfl"`d�i�.l;tfu�. ,'"•ulr; ' Oµrorigioation charge:.-- • ..c.•. •0 801!' •• 5715,00 5715.00 Your.credit or eliaige(jioiali.)for the apeclfic rate.ebosen ' . . .0 802• 5107.81 5107.81 ''• ••• • "•• 0 803 5822.81 5822.81 ..YOUi,EdJnsted'.aN$ioation'cNargcs ... Tehirsfcrtaia 01203 51.279,38 5474.55 041-rsc tll li AreCC+> Rl 1Ch91` fi4 :,.«e4?ligi--'''Rw.: ,n:.*I fRYL^ rigte esiTi tJ E `r` tigliMas7 Gent nmchiicetildingahaima:, . ' -' 9.1201. : $285.00 5224.00 AppiaissITOE: : . 9 804 ' 5810.00 5560.00 Credllteptirt•" 980$ 52.25 52.25•Flood'ctitifrWtioni•• .. .--: • r. • . •••9'807 53.25 53.25 7mc eevloz, 6.805 577.00 377.00 Tttleiejyieesluidae.ndes.ti11o'hisurahei.... . . 91701: '. • 52.14550 51,095.00• 'fowl 53.323.00 ' 51,961.50 Increase hero ten(WE slid fttil.l Charges 5-1,361.50 or -10.97% Egb- I Y,f Ehari8C,, sr,1:i •: _ace. ._ •? t.,ar,&i4v:z.�: Ckd69 roloaffinio-.-fs41�.'s%a? ::. -lriiLS1ddpa sitfoiyoirr'eccrauteceount• • E1.•6..1001 '` 5232.28 5232.28 Daily tnteielt charges .. 9 901.3857fdoy ' . . $34.28 534.28 H6t?teowaet'a insarance: - . ., .9903 - 50.00 5595.09 Loan Terms •Your initial loon aenosent is ' .' . • 586.250,00 Yourloon term fs' • .. . 15 years YOU:initial interest rate is' 3.625% Your monthly¢mount owed for p'rfru:ipal;interest;and any mortgagee. 5621,89 includes Insurance is • ' • © Principal 7. 00 interest ❑ MoARaRe Insurance Can yoiu interest safe rise? -• 00 No o Yes,it can the to a maximum of 0%,The first change will he on and can change again every after.Every change date,your interest rate con ' . ' increase nr decrease by 0%.Over die life of the loan,your interest rale is ... _ : . .' .. .. guaranteed to never be lower than 0%or higher than 0%. Eva If you'attako payntenu on)fine,em your)pan balance rite? . fi No O Yes,it can rise to a maximum of 50.00 .Evcnifyau'make paymctils no time,no.rout roohthly': - ©Nu.17 Yea,the first increase can be on and the monthly amount owed amount owed forprinclpal,interest mid rnongage iniutence rise? can rise to 50.00 The maximum it can ever rise to Is 5000 Does yourloon have it prupuymenl penalty? - x0 No.D Yes.your maximum prepayment penalty is50.00 pass yourdoin hive:a balloon payment? -••• - . . • ID No.❑Yes,vent have a balloon garment of S0101 due in 0 years on•Total monthly amotuil owed ioeluding csaow account payritssits, . • , O You do not have a monthly escrow payment for items,such as property - • • taxes and homeowner's insurance.You must pay those items directly . yourself. • 0 You have an additional monthly escrow payment of 577.•15 dot results in a total initial monthly amount owed of 5699.34.This includes - - - principal,interest any mongaee insumncc and any items checked below: - 110 Property lases Q Homeowners Insurance ' a Floodiusumncc 0 a a Note:ifyou hour any questions about the Settlement Charges and Loan Terms listed on this loan,please contact your lender. Previous editions are obsolete Page 3 of 4 11103-1 Packet Page -1172- 5/13/2014 16.D.11. File No.88.148618 !have carefully reviewed the IIUD-1 Settlement Statement and to the best of my knowledge and belief,it is a Erna and accurate statement or all reeeipt and disbursements made on my account or by me hr this transaction.1 further cenify that I hove seeeivcd a completed copy of pages 1,2 and 3 orthis HUD-1 Settlement Statement. Anlbo angli Ronnie Tamer-.)...4.10- Eri ;117;, to ETR.EMENT AG• s ERTIFICATION The HUD-1.t • nt Statemen�t�},• I he prep hied is o we and Decamte account of•. •••••section.I•, ihi•ed the nds to• disbursed in 4114 acco cc 1 �• Is Se, ,• pool Date Warning:It is,erim•o knowingly , e Cabe statements to the United Stomas on this nr any o et similar Conn.Penalties upon conviction can include o(inc and imprisonment.For details see:Title IS U.S.Code Section 1001 and Section 1010. Previous editions are obsolete Page 4 of 4 IIUD-I • Packet Page -1173- • 5/13/2014 16.D.11 . File No.BB-14S6IR I have carefully reviewed the HUD-I Settlement Statement and to the best of my knowledge and belief,it is o true and accurate statement of all receipts and disbursements mode on my account or by me in this transaction.1 further certify that I have received a completed copy of pages I.2 nod 2 of this HUD-1 Settlement Statement, Jf7 / Anthony Canglin onnie Tumor ErinCenglin SETTLEMENT AGENT CERTIFICATION The HUD-I Se lament Statement which I have prepared is a true and accurate account of to?.inaction, the funds to be disbursed in accord i•yi,l,„mte•�- '�4.11� at , ,4 .- 3 a Setdcment-gent Date Warningt It is a ors.0 to knowingly make false statements to the United Stales on this or any other similar form.Penalties upon conviction can include a line and imprisonment.For details sec:Title IS U.S.Code Section 1001 and Section 1010. Previous editions are obsolete Page 4of 4 HUD-I Packet Page -1174- 5/13/2014 16.D.11 . ?`: H H H H U) Z U) U :f;N; H H W U] O U O U .ro' `.4 7. W W H H H H w G21 U] C ` �-1 �. aa 0 0 H H i g g g � N �= ' U) U) W W a a a a 0 0 0 cn ;�� H H U £ a a a a x Z x F ��±± z� vi CO ul o H H z U) d U) A( U) m Z Z ��t:: a a H H 0 0 0 U' CO N U] •N. ::kd; ',..ti: J.) ✓ N '::ss•�,,'.W: :1;U 1] Z H ,:i1 N a H C G) w w I0'a`N' 0 w 0 0 Z H 0 4 a 7H. a 'A:, 'i 1 as za 8 FC W a 0 S � m: � ,--1 Vii . w w H H a • ':;A? H u vxi 0 X w u] d1 N N N U) m O H ;:0 0 co N 1O co r 10 ';'.Z; H H N Cr, o H tO ::.U:; N N co Ol H (i'O', r r 10 10 r O Hi a!-�� 10 to 0 10 is o 10 ,''�W; O O O O 0 0 0 N; O 0 0 0 0 N O .1.a.: H H H H H H H w H H 0 N H H N 1O 0 a o 4t w w z w a 4e H O a u N w a w a " Z QA W vi • H Q V r7,� H I x tO H 0 O w `b I w y N m CO q 0 a Ex-• 4 d O m a 3 ril Z a CO` `' " 0 i U) w r v] \ d) HI H H I V• DcE. \ . 0' H W H H H m m M 0 U a c,l x o N s;..j O O I"j Vl Q r W M y� 0 0 ;' 2 O1 on N N 0 0 N N CO I m H 10 M '_.A) r N m M 0 0 lO Lo m 0 m H 01 \0 d' -.∎ :: N N H H O O lO 10 O H H I!1 m O H H N N O In N N V' m N H V:,.' U) V O r 10 m H V' N a. M O 0 'iIt1 m m m o H H N P W O O a H H :':N.: w a. w a« a. w w aH 4J H H H H ri H H a ctic a 0 0 0 0 0 0 ✓ ( j N N N N N N N m H - \ \ \\ \ \\ LAD 0 .'.`O? HI H 01 H H HI m N N ;j)� m m H N O 0 0 0• M r H• : 0'X m m m m V' d■ LU U H 0 ;'a. 0 0 0 O O CD 0 w V] H •• 3 ZI k0 m ▪ 3 m o j,£!. '{{f,. O O O O ii : • m M O .0 +] to C+ H H .4 H Hi N H a 0 U 'H 0 01 01 01 ON Ol 01 w o 1- 0) r r r r r r Packet Page-1175- a 0 -n a a Z .-7 O U a, 1 x ♦ t 1 •