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Agenda 11/13/2012 Item #16F111/13/2012 Item 161.1. EXECUTIVE SUMMARY Recommendation to approve a Release of Lien for the St. Matthew's House, Inc. Wolfe Apartments due to the impact fees being paid in full in accordance with the Multi - family Rental Impact Fee Deferral Program, as set forth by Section 74- 401(e) and 74- 401(g) (5) of the Collier County Code of Laws and Ordinances. OBJECTIVE: That the Board of County Commissioners (Board) approves and authorizes the Chairman to sign a Release of Lien for the St. Matthew's House, Inc. Wolfe Apartments due to the impact fees being paid in full in accordance with the Multi - family Rental Impact Fee Deferral Program, as set forth by Section 74- 401(e) and 74- 401(g) (5) of the Collier County Code of Laws and Ordinances (Code). CONSIDERATIONS: The Multi - family Rental Impact Fee Deferral Program was originally adopted by the Board on December 12, 1992. As written, the Program currently provides a deferral of impact fees for a period of ten years for qualified affordable rental projects. This timeframe has previously been extended from a six year term to six years and nine months to the current term of ten years. The program is limited to very low or low income households. The unit must be the household's pennanent residence and the head of household must be a legal resident or citizen of the United States. Rental limits may not exceed the rental limits established by Florida Housing Finance Corporation. The program is limited to 225 units per year, including any qualifying Community Workforce Housing Innovation Pilot Program (CWHIP) units. On June 12, 2002, a Deferral Agreement, in the amount of $288,749.72 was executed between Collier County (County) and St. Matthew's House, Inc. (Owner) for the Wolfe Apartments for a term of six years. The deferral agreement stood in lieu of the impact fees otherwise due for the subject construction of 46 affordable rental dwelling units. A corresponding lien was also placed on the property in the amount of the deferral agreement. It was subsequently determined that amounts related to Water and Sewer Impact Fees were included in the deferred amount, however the apartments are not served by County utilities. Therefore, the revised deferral amount, excluding Water and Sewer Impact Fees, is $178,149.72 On June 10, 2008, the Board of County Commissioners agreed to provide a four -year extension to the Deferral Agreement, provided that St. Matthew's House, Inc. submit a partial payment on the deferred impact fees (Item 10D). In accordance with this direction, St. Matthew's House remitted a partial payment of 5105,000 on August 22, 2008. The term in the remaining balance of 873,149.72 was then extended to August 2012. St. Matthew's House, Inc., submitted payment for the balance of the impact fees (573,149.72) on August 13, 2012. Therefore, the impact fees are paid in full, in the amount of S 178,149.72. In accordance with Section 74- 401(g) (5) of the Code, staff and the County Attorney have prepared a Release of Lien for approval by the Board and signature by the Chairman. The document will then be recorded in the public records of Collier County. Packet Page -2703- 11/13/2012 Item 16. F.1. FISCAL IMPACT: Impact Fees have been paid and deposited in the respective Impact Fee Trust Funds in the following amounts: Impact Fee Amount Paid August 22, 2008 Amount Paid Au ust 13, 2012 Total EMS Jail $2,521.42 3,198.68 $1,756.58 2,228.40 $4,278.00 5,427.08 Library 5,801.97 4.042.03 9,844.00 Parks 22,254.64 15,504.00 37,758.64 Road (District 2) 48,801.65 33,998.35 82,800.00 School 22,421.64 15,620.36 38,042.00 TOTAL $105,000.00 $73,149.72 $178,149.72 Upon payment, such funds became available to provide funding for growth - related capital improvements. GROWTH MANAGEMENT IMPACT: Objective 2 of the Capital Improvement Element (CIE) of the Collier County Growth Management Plan (GMP) states: "Future development will bear a proportionate cost of facility improvements necessitated by growth." Additionally, Policy 1.4 of the Housing Element of the Collier County Growth Management Plan states: "Collier County shall seek to distribute affordable- workforce housing equitably throughout the county where adequate infrastructure and services are available. Programs and strategies to encourage affordable - workforce housing development may include, but are not limited to, density by right within the Immokalee Urban area and other density bonus provisions, impact fee deferrals, expedited permitting (fast tracking), public private partnerships, providing technical assistance and intergovernmental coordination. " Impact Fees generate funds to be expended for capital improvements to public facilities necessitated by growth. The deferral of impact fees for the subject property for the initial 6 year term (or other specified term) was consistent with the Growth Management Plan and the impact fee regulations in place at the time of execution of the Agreement. LEGAL CONSIDERATIONS: The County Attorney has reviewed this item which is legally sufficient and requires a majority vote for Board approval. - JAK RECOMMENDATION: That the Board of County Commissioners approves and authorizes the Chairman to sign a Release of Lien for the St. Matthew's House, Inc. Wolfe Apartments due to the impact fees being paid in full in accordance with the Multi - family Rental Impact Fee Deferral Program, as set forth by Section 74- 401(e) and 74- 401(g) (5) of the Collier County Code of Laws and Ordinances. Prepared by: Amy Patterson, Impact Fee and Economic Development Manager Office of Management and Budget Attachments: 1) Proposed Release of Lien; 2) Deferral Agreement; 3) Official Receipts Packet Page -2704- 11/13/2012 Item 165.1. COLLIER COUNTY Board of County Commissioners Item Number: 16.F.1. Item Summary: Recommendation to approve a Release of Lien for the St. Matthew's House, Inc. Wolfe Apartments due to the impact fees being paid in full in accordance with the Multi- family Rental Impact Fee Deferral Program, as set forth by Section 74- 401(e) and 74- 401(g) (5) of the Collier County Code of Laws and Ordinances. Meeting Date: 11/13/2012 Prepared By Name: PattersonAmy Title: Manager - Impact Fees & EDC,Business Management & 10/18/2012 1:21:37 PM Approved By Name: KlatzkowJeff Title: County Attorney Date: 10/25/2012 3:26:48 PM Name: UsherSusan Title: Management /Budget Analyst, Senior,Office of Manage Date: 11/2/2012 11:28:29 AM Name: OchsLeo Title: County Manager Date: 11/4/2012 12:17:40 PM Packet Page -2705- This instrument prepared by: Amy Patterson Collier County Growth Management Division 2800 North Horseshoe Drive Naples, Florida 34104 (239) 252 -5721 RELEASE OF LIEN 11/13/2012 Item 16.F.1. KNOWN ALL MEN BY THESE PRESENTS: That Collier County, whose post office address is 3299 East Tamiami Trail, Suite 303, Naples, Florida, 34112, the owner(s) and holder(s) of a certain Impact Fee Agreement executed by St. Matthew's House, Inc. to Collier County, recorded in Official Records Book 3054, Page 2986 of the Public Records of Collier County, Florida, on June 12, 2002, hereby does remise, release, quitclaim, exonerate and discharge from the lien and operation of said agreement, that certain portion of the premises conveyed by said lien, more particularly described as follows: Lots 1 through 8, inclusive, Block 67, Golden Gate, Unit 2, Part I, according to the plat thereof, recorded in Plat Book 9, Pages 116 through 120, inclusive, of the Public Records of Collier County, Florida. (4658 16th Place SW, Naples, Florida 34116). The undersigned is authorized to and does hereby release this lien as to the whole of the above - described real property and consents to this lien being discharged of record with respect to said property. Dated this day of , 2012. ATTEST: BOARD OF COUNTY COMMISSIONERS DWIGHT E. BROCK, CLERK COLLIER COUNTY, FLORIDA 0 , Deputy Clerk ILA FRED W. COYLE, CHAIRMAN Packet Page -2706- 2998148 11/13/2012 Item 16.F.1. IICOIDBD is OIIICIAL Ktcous of MUM COURT, IL 06/12/2002 at 0I:31IK DNIC" N. BIOCL, CLIH IIC INI 46.50 Prepared he: Ietn: Patrick G. white HOUSING i MU IKIIOVIH=R Asst. Collier Cty. Att). INtII OFIICI .101 Tamiami -trail Fast ATTK: LAUHI BRAID Naples Fl, U1l2 This 4. wv For recording AGREEMENT FOR 100% DEFERRAL OF COLLIER COUNTY IMPACT FEES FOR MULTI - FAMILY AFFORDABLE HOUSING This Agreement for the Deferral of Impact Fees is entered into this ia?4�ay of 7u nc. _ 200.x, by and between Collier County;- if)oiitical subdivision of the State of Florida, through its Board of County Commissioners hereinafter referred ,t,b ",25 , "COUNTY," and St. Matthew's House, Inc., hereinafter referred °to a�» :QWN�ER' cc llective(y,stated a, the "Pattie~." F RECITALS WHEREAS, Coll[ier,.County Ordinance No, 2001 -13 the'`Collier County Consolidated Impact Fee Ordinance, as it m4y.be further amended from, "t -ime'to time, hereinafter collectively referred to as "Impact Fee Ordinance ':ox.ide_ for. the deferral of impact fees for new multi- $. family, rental dwelling units which qualify a!;--afi= fordable housing: and WHEREAS, Frank Meehan, Executive Director of St. Matthew's House, Inc.; and WHEREAS, St. Matthew':; House. Inc., has applied for a deferral of impact fees as required by the Impact Fee Ordinance for its Wolfe Apartments. hereinafter referred to as "PROJECT," and a copy of said application is on file in the Housing and Urban Improvement Department: and WHEREAS, the County Manager, or his designee, has reviewed the OWNER'S application for the PROJECT and has found that it complies with the requirements for an affordable housing deferral of multi- family impact fees as required by the Impact Fee Ordinance: and Packet Page -2707- OR; 11/13/2012 Item 165.1. WHEREAS, the COUNTY desires to issue an impact fee deferral in the amount of Two Hundred Eighty - Eighty Thousand Seven Hundred Forty -Nine and 7211(X) (288.749.72) for six years from the first date that the impact fees would otherwise he due and payable for the PROJECT; and WHEREAS, the Impact Fee Ordinance requires that the OWNER enter into an Agreement with the COUNTY; and WHEREAS, pursuant to Section 74 -201 E. l .h. of the Impact Fee Ordinance, its codified in the County's Code of Laws and Ordinances. the County Manager is authorized to execute certain Impact Fee Deferral Agreements on behalf of the COUNTY; and WHEREAS, by signing th1s "A2re -(enC t the'Cc linty Manager will approve a deferral of impact fees for OWNER in tiuplc� of creating Affordable.Iiou'sing. NOW, THEREFORE"`in corisia'eration - -6f the fore gciingRecitals and other good and j valuable consideration, the "rz t anti suf a ie mot w.Jtich tw heiebv mutually acknowledged, the Parties covenant and agrees follows:L .` I . RECITALS INCORPORATED, The 36regging Recitals are true and correct and are incorporated b reference herein , 7,, � Y y ,4 2. LEGAL DESCRIPTION.~ The PROJECT's legal description for the location of the dwelling units (the "Dwelling Units ") that will have their impact fees deferred is attached hereto as Exhibit "A," and the PROJECT's site plan is attached as Exhibit "B," and both Exhibits are incorporated by reference herein. 3. TERM. The OWNER agrees that the Dwelling Units shall remain affordable and shall be offered for rent in accordance with the standards set forth in the impact Fee Ordinance for a minimum term of fifteen (15) years commencing from the date a certificate of cCCCUpancy is issued for a particular Dwelling Unit: and that the tern of the requirement to pay the PROJECTS impact fees will he deferred for six (6) years from the date of the impact fees being due and payable. 1 -C U Packet Page -2708- QR, 11/13/2012 Item 16.F.1. 4. REPRESENTATIONS AND WARRANTIES. The OWNER represents and warrants the following: A. Each Dwelling Unit will, during the term of the Agreement, be the permanent residence of a qualifying occupant/tenant. B. At the commencement of any leasehold and throughout the duration thereof, the households renting Dwelling Unit% must have a very low or low income level, as those terms are defined in the Impact Fee Ordinance; and the household's monthly rent must be within the affordable housing guidelines established in the Impact Fee Ordinance. C. Each Dwelltttg Iirtt " i ett�atu '`'affordable" for at least fifteen (15) years from the date-it" certificate of occuparicv was issued. 5. SUBSEQUENT RENTAL ~QRT'I'RANSEER; REPAYMENT. If OWNER rents a Dwelling Unit which is` sublertto the imiacf fee &ferral and then re-rents that Dwelling i jt t r � i a t 5` � w ', `t Unit to a subsequent renter, the�DvAfing nu ll be ra ntec�;aniy to persons or households meeting the qualifying criteria -set forth in the Impa4j�.FeejOtx>i66cc. If the income of any unit r �.. renter which originally qualified as; very low or low income level as defined in the Impact Fee Ordinance increases by more than forty:*r fl(4t�`ckf`a6ove the maximum low income level described in the Impact Fee Ordinance, then the per unit deferred impact fee on the non- compliant unit shall become immediately due and payable by OWNER or, in the alternative, the OWNER shall have ninety (90) days to comply with the Affordable Housing 'guidelines set forth in the Impact Fee Ordinance. Assuming the OWNER has not been able to comply with the guidelines, upon the discontinuance of use of a Dwelling Unit as affordable housing, or six years from the date such impact fees are deferred, whichever occurs first, the impact fees deferred shall be immediately repaid to the COUNTY. OWNER agrees that even though the impact fees may have been repaid to the COUNTY, the OWNER will continue to utilize the Dwelling Units for affordable housing for at least fifteen (I5) years from the date the first certificate of occupancy was issued for a Dwelling Unit. Packet Page -2709- OR: 11/13/2012 Item 161.1. 6. ANNUAL, REPORT. Annually, OWNER of the Dwelling Unit shall provide to the Housing and Urban improvement Department an Affidavit attesting to compliance with the affordable housing qualification criteria and standards set forth in the Impact Fee Ordinance. Said Affidavit must he tiled with the County Manager and is due within thirty (30) days of the anniversary date of the issuance of the first dwelling unit's certificate of occupancy. Any Dwelling Units monitored by the Florida Housing Finance Corporation or similarly monitored by any other state or federal agency will not he required to file this separate affidavit of compliance with the County Manager. 7. LIEN. OWNER agrees that the dollar amount of deferred impact fees, commencing on the effective date,o tt attc�ontinuing until paid or released, will constitute and be a lien in the aw'_' nt of Two Hundred Fiihty -Eight Thousand Seven Hundred Forty -Nine and 72/100 (288,749.71)-)on4e PKOJECT;S pro perty and Dwelling Units which lien may be foreclosed upon in! the�eve'nt of non - compliance wit,htrhe requirements of this Agreement. Provided that the OWNER R t"he.x rtgagor; `the. NOUN.- Y�anc C)WNER agree that by, and in consideration of, a security r ollateral being provide d -ti�ihe 0,�R to the COUNTY, that all of the COUNTY'S lien rights and.,any, other interests anun`xnder this Agreement are to be considered junior, inferior, and suhoxdinaitesto eachzrip mortgage on the PROJECT. Except as elsewhere noted in this Agreement, such lien shall be superior and paramount to the interest in the Dwelling Unit of any owner, lessee, tenant, mortgages, or other person except that this lien shall be on parity with any lien for County taxes. 8. RELEASE OF LIEN. Upon satisfactory completion of this Agreement's requirements, including payment of the deferred impact fees, the COUNTY shall, at the expense of the COUNTY, record any necessary documentation evidencing such payment, including but not limited to, a release of lien. 9. BINDING EFFECT. This Agreement shall be binding upon the Parties to this Agreement, their heirs, successors, and assigns. III the case of safe or transfer by gift of any 1 ..' n Packet Page -2710- 11/13/2012 Item 16.F.1. OR• wiz tv4 la'd jv Dwelling Unit, the original OWNER shall remain liable for the impact fees deferred until said impact fees are paid in full. 10. RECORDING. This Agreement shall be recorded by OWNER at the expense of OWNER in the Official Records of Collier County, Florida within sixty (60) days after execution of this Agreement by the County Manager. 11. DEFAULT. OWNER shall he in default of this Agreement: A. if OWNER fails to rent the property in accordance with the affordable housing standards and qualification criteria established in the impact Fee Ordinance, and thereafter, fail~ tq.,,pay the impact fees due within thirty (30) days of mailing of written noti�� calward tacit cottiplianre, B. if OWNER,continues to violate on 'of the,a fordable housing qualification criteria in the impact`F Ordinance fora period of#ifteen (15) days after mailing of written notice of such violation or j, C. with, re�peet =to }the Arinuaf-' teport - tincds4 fifteen (15t day grace period from the date of,ihe report being duct +firs cxptreil fhe OWNER will thereafter he in default. ` 12. REMEDIES. The Tono,�ang rcttaed e5 -ire cumulative with any other right or remedy available to the COUNTY: A. Should the OWNER of the property: i } fail to comply with the said qualification criteria at any time during the fifteen (15) year term; or 2) violate any provisions of this Agreement. then the dollar amount of impact fees deferred shall he paid in full by OWNER to the County within thirty (30) days of written notification of said violation. B. Should the OWNER otherwise be in default of this Agreement, and the default is not cured within ninety (901 days after mailing written notice to the OWNER, the COUNTY may brino a civil action to enforce the Agreement. Packet Page -2711- OR, 11/13/2012 Item 165.1. S - - -- ---- C. In addition, the lien may he foreclosed, or otherwise enforced by the COUNTY, by action or suit in equity including the foreclosure of a mortgage on I real property. The COUNTY shall he entitled to recover all fees and costs, including attorney's fees, plus interest at the statutory rate for judgments calculated on a calendar day basis until paid. IN WITNESS WHEREOF, the Parties have executed this Agreement on the date and year first above written. Print Name Frank Meehan. Executive Director Print Name (CORPORATE SEAL) STATE OF FLORIDA COUNTY OF , - The foregoing Agreement was acknowledged before me this -L ak - .aN 1 of -T Z'(1 — —'- 2002 by Frank Meehan, Executive Director ot'St. Matthew's House. He Is personally Packet Page -2712- W-1 �I r 4 OR; 11/13/2012 Item 165.1. known to me or has produced F"L. 0r ivr.r % Lj ce - (type of identification) as identification. .7 �a L.AUREN J BEARCI Signature of ng acknowledgment '� M\ R„+mnslo\ • rXPIxls Name of Acknowledger Typed, Printed or Stamped COUNTY: BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA ., T1IOMAS W. OLL�E, COUNTY MANAGER STATE OF FLO A -� COUNTY OF L ..1 ..�� _ c- -- bd n' � �A The foregoing Agreement wo, ackn©wli d" beforeime this day of 2002 by Thomas W� 0111M County Manager, . b,6hdf of the COUNTY. He is �ersonally known 16-,me or has product � ! - (type of i entification) as identification. LAUREN I BEARD Signature of pe ng acknr wJedBrrienl .M MY COMMMON a Cr 77T19II ('� v \ Kp EXPIRES IO24 `i COP: L.�.l i L� E i� �C IiC-� $ .[r.t.i'OTARY fl Nah'Sm+ccsR &mdmC� Name of Acknowledger Typed, Printed or Stamped Approved as to form and suffi cy: Patrick G. White Assistant County Attorney 3 Packet Page -2713- Approval Recom n� ed ill Denton Baker, Interim Director of Housing & Urban Improvement 11 /13/2012 Item 161.1. OR, _.._ Exhibit "A" Lots 1 through S, inclusive, Block 67, Golden Gate, Unit 2, Part 1, according to the plat thereof, recorded in Plat Book 9, Pages 116 through 120, inclusive, of the Public Records of Collier County, Florida. Packet Page -2714- 7. Packet Page -2714- -� I AV, w, 11/13/2012 Item 16.F.1. • VVV6 ♦V• Y pIa ISa o R 6 gel $ I� Exhibit "B" 6 SUNSNIN LVD. IT 233. I F"� Packet Page -2715- 6:FF� a fill all NJ 5 6 Gib 4 All if Ink Ff rig � i i .f 11g.ft.-I Is fir 1 hill E 111i j I 11AI i€ 2 ire r; OR, 11/13/2012 Item 165.1. Exhibit "C" Fee Rate Unit Total S Community Park $571.02 46 $26,266.92 Regional Park $249.82 46 $11,491.72 Library $214.00 46 $9,844.00 Road $1,800.00 46 $82,800.00 EMS $93.00 _.___ -__.46 $4,278.00 School $827.;00, 3: R 46 p.; ` $38,042.00 Jail $11798- -- -. 46 5 427.08 Total $178,149.72 Nmer size -- 9bf Meters `may Rate "`I'ota! $ 1.5" Water Meter ` 4 $13,45(#.00 $53,800.00 1.5" Sewer Meter 7 4;100.00 56.8 . Total $110,600.00 Total Impact Fees Deferred $288,749.72 Packet Page -2716- 11/13/2012 Item 161.1. Official Receipt - Collier County Board of County Commissioners CDPR1103 - Official Receipt Trans Number Date Post Date _P�Ment Sh Nbr 850804 8/22/2008 12 19:53 PM ' 8/22/2008 MS 218502 _ ST MATTHEWS HOUSE 4650 - 4610 - 4590 16TH PLACE SW Payor : ST MATTHEWS HOUSE Fee Information Payments Payment Code I Account/Check Number _ Amount CHECK 1385 _ $105000.00 Total Cash $0.00 Total Non -Cash $105000.00 Total Paid $105000.00 Memo: Impact Fee Deferral Partial Payoff OR 3054 PG 2986 Permit #2002021234 $15,925.14 (Remaining $30,548.70 plus $42,601.02 for permit #2002021230 to be paid at a later date.) Permit #2002012128 $46,473.84 Permit #2002021232 $42,601.02. Collier County Board of County Commissioners CD -Plus for Windows 95 /NT Cashier /location: MCCAULEYKATY / 1 User: FLEISHMANPAULA Packet Page -2717- Printed: 8/22/2008 12:20:16 PM 08PDFM - PARK M/F DEFERRAL PAYOFF _ 34611636336352531346 $22254 64T—Waived 08EDFM r EMS M/F DEFERRAL PAYOFF 35014047036352531350 _! $2521.42 08JDFM _ JAIL M/F DEFERRAL PAYOFF -- - 138111043036352531381 — . - _ $3198.68 08LIDM _I LIB M/F DEFERRAL PAYOFF 35515619036352531355_ $5801.97 08DFM2 - I ROAD M/F DEF PAYOFF DIST 2 i 33316365336352531333 $48801.65_ 08SCH1 SCHOOL BOARD IMPACT FEE _ __ 11300000020905000000 _.— $22421.64 Total $105000.001 Payments Payment Code I Account/Check Number _ Amount CHECK 1385 _ $105000.00 Total Cash $0.00 Total Non -Cash $105000.00 Total Paid $105000.00 Memo: Impact Fee Deferral Partial Payoff OR 3054 PG 2986 Permit #2002021234 $15,925.14 (Remaining $30,548.70 plus $42,601.02 for permit #2002021230 to be paid at a later date.) Permit #2002012128 $46,473.84 Permit #2002021232 $42,601.02. Collier County Board of County Commissioners CD -Plus for Windows 95 /NT Cashier /location: MCCAULEYKATY / 1 User: FLEISHMANPAULA Packet Page -2717- Printed: 8/22/2008 12:20:16 PM 1 11/13/2012 Item 16.F.1. Official Receipt - Collier County Board of County Commissioners CDPR1103 - Official Receipt I.LTrans Number Date _ —N - - _ -. _ I Post Date _ �, Payment SIi�Nbr _ 1002357 8/13/2012 4.12.36 PM 1 8/14/2012 1 MS 249075 ST MATTHEWS HOUSE 4650 - 4610 -4590 16TH PLACE SW Payor : ST MATTHEW S HOUSE, INC Fee Information I Fee Code 1 09PDFM 09EDMF I Description I PARKS DEFERRAL PAYOFF M/F EMS DEFERRAL M/F PAYOFF GL Account 34611636332410331 346 35014047032410331350 _ _ Amount _ $15504.001 7= Waived —� 09JDFM JAIL DEFERRAL PAYOFF M/F 09LBDFM ' LIBRARY DEFERRAL PAYOFF M/F 135515619032410 09DFM2 j ROAD DEF PAYOFF M/F D2 133316365332410331333 08SCH! I SCHOOL BOARD IMPACT FEE 38111043032410331381 31355 11300000020905000000 _$11756.&8 J ._..__ _. $2228.401 _$4042.03 $33998.35!� $15620.36 1 i -7 Total _ _ Payments LPyment Code I Account/Check Number i 107569 Memo: Impact Fee Deferral payoff OR3054 PG2986 Permit #2002021234, #2002012128 and #2002021232. Previous payment of $105,0090 8/22/08 Trans 850804 Collier County Board of County Commissioners CD -Plus for Windows 95 /NT Total Cash Total Non -Cash Total Paid 1 $73149.721 _ $0.00 $73149.72 $73149.72 Cashier /location: LEADERENCE / 1 User: FLEISHMANPAULA Packet Page -2718- Printed:8 /1312012 4:13:18 PM