First Ameican Filed AB's Req For Insp., Jan. 13, 2017 (D.E. 46)

Filing# 51115002 E-Filed 01/12/2017 03:10:57 PM
IN THE CIRCUIT COURT OF

THE FIFTEENTH JUDICIAL CIRCUIT
IN AND FOR PALM BEACH COUNTY, FLORIDA
CASE NO.: 502016-CA-009292
DIVISION AW
FIRST AMERICAN BANK, as
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successor by merger to Bank of
Coral Gables, LLC,
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Plaintiff,
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V.
LAURENCE S. SCHNEIDER,
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STEPHANIE L. SCHNEIDER,
JEFFREY MARC HERMAN,
UNKNOWN TENANT #1, UNKNOWN
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TENANT #2 and THE
OAKS AT BOCA RATON PROPERTY
OWNERS' ASSOCIATION, INC.,
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Defendants.
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Counter-Plaintiff,
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FIRST AMERICAN BANK,

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Counter-Defendant.
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FIRST AMERICAN'S FIRST REQUEST

FOR PRODUCTION TO LAURENCE S. SCHNEIDER
COMES NOW the Plaintiff, FIRST AMERICAN BANK, by and through its
undersigned counsel, and pursuant to Fla. R. Civ. P. 1.350, hereby submits its First
D.E. 40 Ex. 1
6/5/15 Letter From FAB V.P. J. Anderson To Schneider. re. FAB Clerical Errors (p.52)
11/18/15 Email From Schneider To Hagan re. Harms 1st Fid. & S & A Capital (p. 53)
11/30/15 Letter From H. Bolz, III of Keller & Bolz To Schneider re. FCRA (p. 54-55)
1/18/15 Email Schneider To Bolz re. Continued Harms, Reporting (pp. 56-59)
FILED: PALM BEACH COUNTY, FL, SHARON R. BOCK, CLERK, 01/12/2017 03:10:57 PM
Request for Production to Defendant, LAURENCE S. SCHNEIDER. All originals of the
documents and items requested are to be produced for inspection and copying at the law
office of the undersigned within the time framed set forth in Fla. R. Civ. P. 1.350 (b).
Instructions
A. All responses to these requests shall set forth the request before each
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response, and you should provide a separate response to each request.
B. If, after a good faith search, you conclude that there have never been
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documents and/or things responsive to a particular request, please so state.
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C. Documents and/or things produced for inspection must be produced as they
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are kept in the usual course of business or be organized and labeled to correspond to the
particular request to which they are responsive.

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D. If you object to any part of any request, please specify the part of the request
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to which you object and specify the remaining part with respect to which you will permit
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inspection and related activities as requested.
E. For each document and/or thing withheld from production on the ground of
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attorney-client privilege, work product doctrine or any other privilege or doctrine, you
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should describe such document and/or thing so that Plaintiff may bring the question of
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privilege before the Court. Documents and/or things shall be deemed to be adequately
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described for this purpose if you provide the following information:

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a. the specific reason for withholding the document and/or thing;
b. a brief description of the document and/or thing, including:
i. the type of document and/or thing (letter, memoranda, etc.);
ii. the date of the document;
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iii. the number of pages, attachments and appendices;
iv. the general subject matter of the document and/or thing;
v. the author, addressee, and any other recipient of the document
and/or thing, and, where not apparent, the relationship of the author,
addressee, and any other recipient to each other;
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vi. the name and position of each person, other than your attorneys, to
whom the contents of the document and/or thing have been
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communicated by copy, exhibition, reading, or substantial summary;
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and
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vii. the identity of each person who has custody of a copy of the
document and/or thing.

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F. If any document and/or thing requested herein was at one time in existence
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but has been lost, discarded, destroyed, or is not now in your possession, custody, or
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control, identify such document and/or thing as completely as possible and provide the
following information:
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a. the type of document and/or thing (letter, memoranda, etc.);

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b. the date of the document;

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c. the date or approximate date when the document and/or thing was lost,
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discarded or destroyed;
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d. the reason or reasons for disposing of the document and/or thing;
e. the identity of all persons authorizing or having knowledge of the
circumstances surrounding the disposal of the document and/or thing;
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f. the identity of the person(s) who lost, discarded or destroyed the document
and/or thing; and
g. the identity of all persons having knowledge of the document's contents.
Definitions
A. The term "documents" as used herein shall include all writings or other
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materials, whether handwritten, typed, printed, recorded, or reproduced by any other
physical, mechanical, electronic or electrical means, including but not limited to records,
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papers, quotes, bids, offers, bills, orders, invoices, checks, receipts, memoranda,
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spreadsheets, charts, ledgers, financial statements, assignments, directives, bulletins,
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contracts, agreements, insurance policies or certificates, or other official documents and
legal instruments, correspondence, letters, emails, Blackberry or other PDA messages,

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telegrams, cables, inter-office communications, intra-office communications, notes,
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calendar or diary entries, sketches, photographs, photographic slides, or negatives,

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videos, movies, films, filmstrips, tapes and recordings, summaries or records of telephone
conversations, summaries or records of personal conversations, and all carbons or

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photocopies bearing any underlining, highlighting, additions, corrections, or marginal

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notations, microfiche, microfilm, tapes, cassettes, cartridges, disks, chips, CDs, and
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DVDs which are in your possession, custody, or control, either collectively or separately,
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wherever located.
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B. The term "Credit Agreement" means the Credit Agreement between Bank
of Coral Gables and LAURENCE S. SCHNEIDER, dated July 28, 2006. A true and
correct copy of the Credit Agreement, dated July 28, 2006, is attached hereto as Exhibit
"A."
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C. The term "Mortgage" means the Mortgage executed and delivered by
LAURENCE S. SCHNEIDER and STEPHANIE L. SCHNEIDER to Bank of Coral Gables,
dated July 28, 2006. A true and correct copy of the Mortgage, dated July 28, 2006, is
attached hereto as Exhibit "B."
D. The term "Property" means the residential property located at 17685 Circle
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Pond Court, Boca Raton, Florida 33496-1002, which is the subject matter of this
foreclosure.
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E. The term "Lease" means the Residential Lease for Single Home or Duplex
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between LAURENCE S. SCHNEIDER and Jeff Herman (a/k/a Jeffrey Marc Herman). A
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copy of the Lease is attached hereto as Exhibit "C."
F. The term "Affidavit" means the Affidavit of Laurence S. Schneider in

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Opposition to Plaintiff's Motion to Compel Assignment of Rents, dated October 12, 2016.
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A copy of the Affidavit is attached hereto as Exhibit "D."

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G. The term "SCHNEIDERS" means LAURENCE S. SCHNEIDER and
STEPHANIE L. SCHNEIDER.
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H. The singular shall include the plural and vice versa; the terms "and" or "or"
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shall be both conjunctive and disjunctive; and the term "including" means including
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without limitation.
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I. Unless otherwise stated, the date range for the documents requested is
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from December 1, 2014 to the present.
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Documents Requested
Communications
1. Any and all documents with are, relate to, or reference any communication
between LAURENCE S. SCHNEIDER and FIRST AMERICAN regarding or referring to
the Property.
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the Credit Agreement (Exhibit "A").
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the Mortgage (Exhibit "B").

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Bank of Coral Gables merger with FIRST AMERICAN.
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between LAURENCE S. SCHNEIDER and any other persons or entities (excluding the
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SCHNEIDERS' attorney) with respect to the Property.

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SCHNEIDERS' attorney) with respect to the Credit Agreement (Exhibit "A").
SCHNEIDERS' attorney) with respect to the Mortgage (Exhibit "B").
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Credit Agreement Payments
8. Any and all documents which are, relate to or evidence payment of the
monthly interest payment due under the Credit Agreement (Exhibit "A") on or about May
1, 2016.
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monthly interest payment due under the Credit Agreement (Exhibit "A") on or about June
1, 2016.
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monthly interest payment due under the Credit Agreement (Exhibit "A") on or about July
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1, 2016.
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balloon payment due on July 28, 2016, under the Credit Agreement (Exhibit "A").
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Ad Valorem/Real Property Taxes

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12. Any and all documents which are, relate to, or evidence payment of the
Property's Ad Valorem/Real Property Taxes for 2014.

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Sale/Lease of the Property
15. Any and all documents which are, relate to, or reference LAURENCE S.
SCHNEIDER listing the Property for sale at any time from January 1, 2013 to the present.
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SCHNEIDER listing the Property for lease at any time from January 1, 2013 to the
present.
17. Any and all documents which are, relate to, or evidence that LAURENCE
S. SCHNEIDER is currently residing at the Property.
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Laurence S. Schneider's Affidavit (Exhibit "D")
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SCHNEIDER and/or STEPHANIE L. SCHNEIDER listing their primary residence (located
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at 360 E Coconut Palm Road, Boca Raton, FL 33432-7916) for sale.
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SCHNEIDER and/or STEPHANIE L. SCHNEIDER listing their primary residence (located

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at 360 E Coconut Palm Road, Boca Raton, FL 33432-7916) for lease.
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20. Any and all documents which are, relate to, evidence or support the
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allegation in Paragraph 2 of LAURENCE S. SCHNEIDER's Affidavit (Exhibit "D") that "the
financial difficulties with which I and my family are presently confronted are largely
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attributable to the grossly negligent and seemingly fraudulent actions of the Plaintiff."
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allegation in Paragraph 3 of LAURENCE S. SCHNEIDER's Affidavit (Exhibit "D")

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regarding "the bank's improper and/or illegal actions."

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allegations in Paragraph 4 of LAURENCE S. SCHNEIDER's Affidavit (Exhibit "D").
allegation in Paragraph 5 of LAURENCE S. SCHNEIDER's Affidavit (Exhibit "D").
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Lease (Exhibit "C")
24. Any and all documents which are, relate to, or reference the Lease (Exhibit
"C") between LAURENCE S. SCHNEIDER and Jeff Herman (a/k/a Jeffrey Marc Herman).
25. Any and all documents (including, but not limited to, cancelled checks)
which are, relate to or evidence payment of rent by Jeff Herman (a/k/a Jeffrey Marc
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Herman) to LAURENCE S. SCHNEIDER.
26. Any and all documents which are, relate to, or reference any communication
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between LAURENCE S. SCHNEIDER and Jeff Herman (a/k/a Jeffrey Marc Herman)
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regarding or referring to the Property.
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regarding or referring to the Credit Agreement (Exhibit "A").
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regarding or referring to the Mortgage (Exhibit "B").

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regarding or referring to this litigation.

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30. Any and all documents (including, but not limited to, cancelled checks)
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which are, relate to or evidence payment of rent by any other tenant of the Property to
LAURENCE S. SCHNEIDER.
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Insurance
31. Any and all documents which are, relate to, or reference any liability of
property insurance policies covering the Property.
Answer
(A copy of the SCHNEIDERS' Answer,
Affirmative Defenses, and Counterclaim is attached hereto as Exhibit "E.")
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allegations in Paragraph 14 of LAURENCE S. SCHNEIDER and STEPHANIE L.
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SCHNEIDER's Answer (Exhibit "E") that Defendants "default is excused in that it was and
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is the natural, proximate, and foreseeable result of the Plaintiff's wrongful, grossly
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negligent and/or intentional and malicious acts and omissions in administering the subject
loan, as more fully described below. Such malicious and/or grossly negligent conduct, by
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which Defendants' ability to make timely repayment of the subject obligation was
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substantially impaired, also involved the improper conversion and embezzlement of

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Defendant's collateral for a separate line-of-credit from which the subject obligation was
intended to and would have been paid."

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allegation in Paragraph 23 of LAURENCE S. SCHNEIDER and STEPHANIE L.

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SCHNEIDER's Answer (Exhibit "E") that "there were no defaults."

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allegation in Paragraph 23 of LAURENCE S. SCHNEIDER and STEPHANIE L.
SCHNEIDER's Answer (Exhibit "E") that "if defaults did occur, Defendants were excused
from their obligation to cure same by virtue of the wrongful, grossly negligent and/or
malicious acts and omissions referenced in response to paragraph 14, supra."
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First Affirmative Defense (Exhibit "E")
allegations in the SCHNEIDERS' First Affirmative Defense (Exhibit "E") that this action is
not ripe for adjudication.
Second Affirmative Defense (Exhibit "E)
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36. Any and all document which are, relate to, evidence or support the
allegations in the SCHNEIDERS' Second Affirmative Defense (Exhibit "E") of unclean
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hands.
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allegation that the Parties were "in the midst of detailed settlement negotiations."
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allegation in the SCHNEIDERS' Second Affirmative Defense (Exhibit "E") regarding
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FIRST AMERICAN's "repeated failures to accurately calculate the amount of Defendants'

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monthly interest payments."
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FIRST AMERICAN's repeated failures "to timely inform the Defendants of the amount
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they would be required to pay each month."

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FIRST AMERICAN's "repeated failures and refusals, despite demands, to disclose the
calculations allegedly giving rise to the seemingly inflated and late-disclosed monthly
charges."
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FIRST AMERICAN's "failure to return calls to customer service."
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FIRST AMERICAN's "falsely reporting delinquencies to credit bureaus and refusing to
rectify the errors after Defendant Laurence Schneider notified Plaintiff of same."
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FIRST AMERICAN's "unlawful and dishonest misappropriation and legally improper
release of one or more liens on real property."

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44. Any and all documents which are, relate to, or reference the identity of the
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owner of the "lien or liens" that were allegedly improperly released as alleged in
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SCHNEIDERS' Second Affirmative Defense.
45. Any and all documents which are, relate to, or reference the corporate entity
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in which LAURENCE S. SCHNEIDER is a substantial stakeholder as alleged in the

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SCHNEIDERS' Second Affirmative Defense.

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allegation in the SCHNEIDERS' Second Affirmative Defense (Exhibit "E") that "said lien
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or liens were placed with Plaintiff as collateral (security), only to insure repayment of loans
made to Schneider pursuant to a separate line of credit."
allegation in the SCHNEIDERS' Second Affirmative Defense (Exhibit "E") that "without
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justification or legal excuse, Plaintiff released such liens, thereby causing damage to
Laurence Schneider's financial interests."
Counterclaim - Count 1 (Exhibit "E)
allegations in Count 1 (Violations of Fair Credit Reporting Act- 15 U.S.C. §1681 et seq.)
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of LAURENCE S. SCHNEIDER's Counterclaim (Exhibit "E").
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allegation in Paragraph 4 of Count 1 of LAURENCE S. SCHNEIDER's Counterclaim
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(Exhibit "E") that FIRST AMERICAN "furnished information, which in many instances was
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inaccurate, to the three major credit bureaus, about Schneider's creditworthiness."
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(Exhibit "E") that "in or about August, September, October and November 2015, Bank
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violated this section by inaccurately reporting Schneider's installment payments as being
more than thirty days delinquent."

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(Exhibit "E") that FIRST AMERICAN "after receiving from Schneider multiple notices of
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the inaccuracies it continued to erroneously report Schneider's payments as delinquent,

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and continued to misrepresent the amounts owed for one or more of the following months
in 2015: September, October, and November."
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(Exhibit "E") that FIRST AMERICAN's "actions or inactions" when "viewed in context,
make it more likely than not that such actions were willful."
(Exhibit "E") that "Schneider's actual damages are: loss of available credit in the
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approximate amount of one million dollars, the loss of substantial business opportunities,
the inability to reach an accommodation with Bank which would have obviated the alleged
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necessity of this foreclosure suit, and substantial and material reduction in the probability
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of a recovery in the tens of millions or more in one or more False Claims Act proceedings."
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54. Any and all documents which are, relate to, evidence or support
LAURENCE S. SCHNEIDERS's claim for damages under Count 1 (Violations of Fair

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Credit Reporting Act-15 U.S.C. §1681 et seq.) of the Counterclaim (Exhibit "E").
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allegations in Count 2 (Negligent and/or Fraudulent Misrepresentation) of LAURENCE S.

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SCHNEIDER's Counterclaim (Exhibit "E").

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allegations in Paragraph 12 of Count 2 of LAURENCE S. SCHNEIDER's Counterclaim

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(Exhibit "E") that FIRST AMERICAN made false statements consisting "of erroneous and
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inflated billing monthly billing, claims that errors had been rectified when they had not,
and false reporting to credit agencies."
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(Exhibit "E") that FIRST AMERICAN "through its representatives, either knew these
statements were untrue when made or, in the alternative, Bank made these statements
while being aware that Bank did not know whether or not they were true."
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(Exhibit "E") that "that third-party financial institutions did rely upon said
misrepresentations."
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(Exhibit "E") that Schneider "sustained damages."
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LAURENCE S. SCHNEIDER's claim for punitive damages.
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LAURENCE S. SCHNEIDERS's claim for damages under Count 2 (Negligent and/or
Fraudulent Misrepresentation) of the Counterclaim (Exhibit "E").

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allegations in Count 3 (Conversion) of LAURENCE S. SCHNEIDER's Counterclaim

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(Exhibit "E").
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(Exhibit "E").
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(Exhibit "E").
LAURENCE S. SCHNEIDERS's claim for damages under Count 3 (Conversion) of the
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Counterclaim (Exhibit "E").
Respectfully submitted,
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KELLER & BOLZ, LLP
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Attorneys for Plaintiff
121 Majorca Avenue, #200
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Coral Gables, FL 33134
Telephone: (305) 529-8500
Telefax: (305) 529-0228
Email: hbolz@kellerbolz.com
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By: s/Henry H. Bolz. Ill

Henry H. Bolz, Ill
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Florida Bar No. 260071

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CERTIFICATE OF SERVICE
WE HEREBY CERTIFY that a true and correct copy of the foregoing, First
American's First Request for Production to Laurence S. Schneider, was delivered to:
KENNETH ERIC TRENT, ESQ. (trentlawoffice@yahoo.com), Trent Law Office, Attorneys
for Laurence and Stephanie Schneider, 831 East Oakland Park Blvd., Fort Lauderdale,
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FL 33334; STUART S. MERMELSTEIN, ESQ. (smermelstein@hermanlaw.com,
mconnor@hermanlaw.com), Herman Law, Attorneys for Jeffrey Herman, 3351 NW Boca
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Raton Blvd., Boca Raton, FL 33431; and JAY S. LEVIN, ESQ.
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(foreclosures@ssclawfirm.com), Sachs, Sax, Caplan, Attorneys for Oaks at Boca Raton,
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6111 Broken Sound Parkway, N.W., #200, Boca Raton, FL 33487 via the E-filing Portal
on this 12th day of January, 2017.

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Respectfully submitted,
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KELLER & BOLZ, LLP

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By: s/Henrv H. Bolz. Ill

Henry H. Bolz, Ill
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CREDIT AGREEMENT
,Borrower: Laurence Schnelder Lender: Bonk of Corol Gobles

172.1 NE 190 Terr11ceh Lending Division
l\illomi, FL 33179 95 Merrick Way·
Sulla 106,
Corot Gables, FL, 33134.'
(3051 500-9601
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D~TE m= AGREEME~'f: July.28_~ 2006
Introduction. 7his Crodlt/.areerilent l"Agreeinent"J governs your line pf credit (tho '•credit Line" or tho "Credit Line _Account"I issuod'thrauoh
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Bonk of Coral Gnbles,. In this Agrocment, the words "Borrower/ •you,• "your," and qApp!icent" nic11n each ·and everv person who signs thls,
Agreement, includlng oil Borrowers named abovo, The words ·"Wa,"·"us," "our,• end "Landor" moan Bonk of Coral Gablo·s; :you agree to the,
following torms and conditions:. ·· · ·· 1· · · · · · · · · · · ·• ·
.· Promise to Pay, · You promise to pay Bank of Coral Gobles, or order, tho totai or all credit advances and 'FINANCE CHARGES, together with all
or.
costs ond expc_nscs for which you arc responsiblo under this Agreement under tho "Mortgage" ·which so cures your Credit U110, You pay , will
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your. Crecfit-1..ine according to the payment terms set forth below;· If tharo is niore thari oriii, Borrower, each is jointly and severally liable on 1his
:Agroemont. 'Thls moans wo c:m roquiro any Borrower to pay all amounts due. under this :Agreement, including credit advances made to :my
Borrower. Each Borroweniuthorlzcs :my other Bor,owor, on his or her signature alone, to t:nncel the Credit Lino, to request and tecol11e credit
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, ad11ances, and to do eUiitherthTrigs necessary to carry outthe terms of this Agreement, Y'{P can release any_Borrower,frcim responslbllity un~ar ·
this.Agreement, and the others will remain rosponsible,. 1 :
Term·. Tho tlirm of your Credit. Une wnniogin as ofthe date or this Agreement l"OP.1ining- Doto") ond \viii ccintlnUiJ i.Jntll July 28, 2016
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("Maturity !)ate~). All indo~todriess under "this Agreement; If not already paid pursuant .to th11 payment provisions below, \Viii Ile due a·nd ·
payable upon maturity,. The draw period or your. Credit Line wlll begin on a date~ after the OpDnlng Dato, when thEi Agreement is ni:cDptod by: us
·in
the State· of Florida, following tho oxplration of the right to cancol, tho perfoctlon of thit Mortgage,'thii receipt of all required .riorllficates of
·nonc,mcollaticin, ond "tho mooting of ::ill of our'othi:r conditlons·and wlll:contlnuo as follows: term of.tho loon. -You may obtain crodlt 11dv.Jncos
during this period ('.'Drow Period~). You ogreo that we may reriow or extend the period during which you may obtain credit advances or make
.p'ayments•. You •further agree that WO may renew· or extend your Chidit Line Account: . : . . . . . . ...
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- - .. - " . . .. . - . , . ' - . ! :
Minimum _Paymont, Your "Regular Payment• will equal the amount" of. your• accrued flNANCE CHAJtGES. · You wlll make 119 of those
payments, You will thon be roquirod 1o poy tho entire balance owina In o sinale ball9on payment. II you make only tho minimum payments, you
may not repay any of tho_ principal bal,anco by tlie end or this payment ~tri:am, Your payments will be due rnonthly • .Your WM!nimurrr Payment".
will be the Regular. Payment, plus any, amount duo and all other charg2s, An increase in tho ANNUAL PERCENTAGE RATE may Increase .the
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amount of your Regular Paymont. You .igroo to pay not less thon tho Minimum P.iymontlon or boforo tho duo dote Indicated on your periodic
, bll!ing·:;tatement. !. . .
• . I . . .
Balloon Payment, Your Cr~dit Linc: Account is payable.In full upon maturity in a single b11lloon paymont, 'You must pay tha untlro outstanding
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prlnclpal, Interest and any other charges than due, - Unlesi: Qtherwise required by nppITcoble law, we ere under no o~ligation to rennanco 1he
balloon ·payment .it th:it time, You may be required to m~ke payments out of other assets you ·own or find a lender, whic'1 may be us, willing ta
lend you·the mon·ey, If you rofinance the balloon, you may have'1o pay some or all of the closing costs normally associated with a new credit
llno occolint, even lfyou obtain refinancing Jrom us. ' • ,. .
How y~~r. Payment&; Aro. Applied, !]nioss. othorwisa' aiiroed or required by llpplicoblo "law, payments and ot~Df CfDdits' ·wm bo. appUod ta
Payments wlll bo applied In tho followma order: Interest, Prlnclp.il; Lato Foos & Collectlon Costs, · ··
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Receipt of Payment~~ All;paymonts must bo mild~ by ii chock; aut~inntld. account debit, oloctronio funds 1ronsfo_r, f!!Onev order, or oth ~r
lnstrumant In U,S, dollars1 end must be received by us at tho remittance address i.hown on your poriodla bitnng st:itomont; Poymonts roceiyod
at that address prior to·2:00 p;m, Eastern Standard Time on any business do·y will b'e credited to.your Credit Lino as of'lhe date rece!Vod, If We
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rcccivo payments nt other locations, such payments will be credited promptly to your Crodlt Lino, but crediting may bo delayed for up to fi,)e 16} ·
days ofter receipt. · . · · · · . · · I '
. ' . .. . . . . .. . . ·I·: ·• I
Credit Limit, This Agreoment covers o revolving llniJ of credit for th·o prlnclpol amount of Ono Milllon Five Hundred ThoUSllnd & 00/100 Dollar3
[$1,600,000,00),. which will be your •credit Llnilt" undor this Agreejnont, During the Qraw Period we will honor your request for credit
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ad-lances subject to the :.ei:lion·bclow. on lender's Rights, .You· m.iy botrow against tho Crcclit Lino; repay any portion bf the amourit borrowed,
iind co-borrow up to tho amount of the Credit Limit, -Y-our-Gredlt-t,lmit ts thD maximum amount you may hnvo outs tending ot any ono time, You
agroe not to ottompt, request, or obtain a credit advance that will mako:your Crodit Lino At:count bulancc cxcoedyour Credit Umlt, Your Credit
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Limit will not ha lncreosod s~ould _you ollardrow your Credit Lino Account, If yo_ u exco.ed your Cro.dlt Umlt, ·yo1;1 agree. to_ ropoy lmmod_lately 1he
., amount by which xour Credit Line Account exceeds ,your Credit Lim1t, eycn If wii have not Y<?t bllled. you, Any credit 11dvnnccs In o~cess of your·
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Credit Limit wm not be sccurad by the Mortoeoa coverlna your prlnc1pal ~wellino.. ; ·
Charges to YQUr Credit Lino, Wo may cha;ge your Credit Lino to pay othor feei and cost~ that you are obligated to pay under this' Agreement,
or
tho Mortgogo ariy ·other document related to your Crodlt Llne; In addition, wo may cha'roo your Credit Lino· for funds roqulrad. for-continuing
Insurance covereoiJ cs described In the pnragreph tltlad "lnsurancil" below or as doscrllied In tho Mortgago for this transaction, Wo lriay also; nt
. our. ojidon, charge your Crodlt Uno to pay any costs or. oxponsesJo proJcct or perfect our security Interest i!l your prlnclpal d~oll!ng, Th~se
. costs or oxponses include, without l!mitatlon, pa·yments to cure defaults under any existing lions on your principal dwelllng, If you.do not pay
yciur property taxos, wo may charge.your Credit.Lino and.pay the delinquent taxes, .. Any amount so charged to your Credit Llna.wlll boa crodlt
advani:o .fnd will docronso tho funds ,evrillable, If any, undor the Credit Line. Howoiter,1 we hava no obligation to provide eny 'of tho credit.
.advances referred to In this paragraph, • · •· · · l' ··· ·
Credit Advances. 'Aftor the Effective Disbursement Date or this Agreement, ·you may obtalh crodlt advances under your Credit Uno as follows:
C . • ' '. • • • • I.. . • .• ••
Credit tine Chocks. Writing a proprintod "Homo Equity Lino of Crodlt~Chock" that'We wJII supply to you,
_· R~_sts By M:iU. Requesting on odvanca by moll.: . . . . . . . .. .
S~~-annelfle.questr:;.in Person,. Raqt.iestlng o credit advance in person at any of our authorized looatlons,
Br · · .
::ii!t . · Request, '{\dvonco requosls c~n also bo sont via fax, ,:
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.EXHIBI_T A,
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Loan~No: 40000006
·Borrowei-totling us not to give advancos to the other, ·

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CREDIT AGREEMEN7f
(C'?nJini.Jed)
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•· · :. - -
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If there Is more than one person authorized to uso this Crodit Linc· Account, you .igriie not to give us conllictlng rnstrlictlons,· stich as one
· · · · ·
Page 2·
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L{mitations
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on tho. Uso of C!lccks!
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Wo reserve
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the right not .,_ . .
to honor t-i~me Equiiy .
.. Line of ~rodlt Checks In the
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following' circumstances:
Credit Limit Violation~. Your. ~redlt Limit.has been or Wol!ld be exceedod by pnylng th9 Home.Equity Line of Credit.Check,
Post-dated Checks. Your Home Equity Lino of Credit Chock Is post-dated. If a post-~atod Homo Equity Line of Crodit Check Is paid and as
a rosult_any othor chock is roturnod or n~t pald,·wo are not rospon!ilblo, :, -
Stolon Checks. Your Homo Equity Line of Credit Checks havo boon roporto~ lost or stolon,
Um1uthori:zed Signoti.rros, Yoiir Homo Equity Linc _or Crodit Chock l:1 not signed by an "Authorlzod Signor" as delinod below,
Termination or Suspension, .Your. Credit Llmi h~s been tormln~ted or suspended as provided In this Agroement or could be If we paid tho
Hom~ Equity Lino of Credit Check, · • - ; ·•
Transaction Violation. Your Home Equity Lino or Credit Check ls·iess thari tho minimum.amount required by thls:Agroemonl or you nre In
vlolatio·n of any other transaction requirement or would be IC wa po/d tho Home Equitv. ~Inc of Credit Check: · , · ·
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If wo pay any Hein~ Equity Uno or Credit Chock under those condition~, you must repay! ~s, s~bJ~ct to applicable lows, for th~ amount of tho
· Home Equity. Line of Credit .Chock, Tho Homo. Equity Una or Credit Check Itself will, bo ovidcnce of your debt to us together with this
Agreement. Our liability, If any, for wrongful dishonor of a check Is llmited to your actual ilamagci:, Dishonor for any reason as provided In this
•Agrei?ment Is not wrongful dishonor. Wo may choose not .t~ return .Homo Equity Linoi_ of Credit Checks .along with your pori!)dic billing
statements; howovor, your uso of o.icti.Home Equity Line of_Crodit Check will bo ro[lectod on your porlodic statement as .i c1edlt advnnce, We
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do not "certify_" Home Equity Line of Credit Checks-drawn on your Credit Lino, ·
Tronsnction R~qtiirerriimts: Tho foilowlng !ransactlon limitations .will apply to the.USO of your Credit Line:.
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Re·q~cst By Mail, In Person Request, FllX ~equest ii~d Credit"Line Home Equity Lino of Credit Check Limitations, . Tha roirowlng transaction'
limitations wlll apply to your Credit Line and requesting an advance by mail, roquostinfJ an advancii In person, accessing by other methods
and the writing of Homo Equity Lino of Credit Checks. · · 1 · · ·' · · · ··
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' Minimum Advnnce Amount. Tho minimum am~tint of any c;ocilt advimcti thnt can be rriade on your Credit Uno is $300,00, This
rneil.ns any Horrio Equity Lino of Credit Check must be ytritteri for at least the rnlnlmum advance Jryiou-nt, ·
Auihorized,Slgncrs. Tho words·"Auttiorlzed Signer• on H~m~ Equity Line of.Credit Check!i ~s ~sed In this Agroemenl moan und include each'
person who (o) signs the nppllcation for this Credit Line, (b) signs this Agreement, or (cl.has executed a separate signature authorization card-
for the Credit Lino Account, , , · · · · : i · · •
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Lost Home Equity Line· of Credit Checks, If you lose your Home Equity Uno of Credit J:hccks or If someono Is Using them without ·your
permission; you agree to lat us know immediately, The fastes~ way to ,notify 1,1s Is by calllrig us at (30_5) ·500-9501, You also can notify us at
Bank or Coral Gables 96 Merrick.Way, Suite 106,' Coral Gnbles, FL· 33134, - • • · ·
Futuio Credit Lirie Services. Your applicot!on for this Credit Line also serves as a reqtiost io receive any now services (such as access devices)
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which may bo ovallablo at ·somo future 1ime as ono of our services ln)connoction· with thfs·Credlt Llnii. You tindorstand that this request Is
voluntary and that you may refuse any of these na·w services at the time they arc offered. 1You runhar understand that the tenn:i iind conditions
of this Agreement _will govern ony transactions made pursuant to ariy of these ne~ services. ·
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Collaternl, You acknowledge this Agroamont is secured by the following collateral described. In thci security instrum;nt fisted herein: an
in
Opcn•End !,1~rtgoge dated July 28, 2006, to ~s on real property located Palm Beach Cou\ity; State of Florida, - -
Insurance, You must obtain insurance on tho Properiy securing this Agreo·ment that is reasonably satisfactory to us, You may obtain pcoperty ·
lnsurancrthroug~- any company oLy?u~ cho!,c? that Is _rees_on~bly satls(actory to us, Yo~ ~ave tho C?Pt_ion of providing 11n~ insurimco roqulied
under this Agreement through an ~X!sbng ·pohcy or ll policy lndepondehtly obtained and P.i.ild. for by you, subJoct _to bur right; for reasonable
cnuso before credit Is extended; to decline ony Insurance provided by you, Subject to applicable law, if you fail io obt~ln or maintain lo.surance
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as required in. tho Mortgage,. wo -may purchaso · lnsursnco 'to protect our own Interest, ad,d the· premium ~o yoi.rr baJance, pursuo ·any othar·
· remedies avallablo to us, or do nny ono er moro of these things, · i •· · '
Right.of Sotoff. To tho oxterit permitted by oppllcable law, we reserve aright of setoff In ~n'.your D~coi.Jnts with (!S (wh'cther checking, savings,
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or some other account); Including without limitation; all accounts you m<?Y open In the future. However, this does not lncluife any IRA or Keogh
accounts, cir any trust accounts for which·seloff would bo prohibited by low;· You authorize us, to.the exton\ permltt.od by applicable law, to·
charge er sotorf all sums owirig on this Agreem·cnt agnlnst any and oll such accounts;.and, at our option, to administratively freeze all.such
accounts to allow us to protect our charge and setoff rights provided In this paragraph, · '. •
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Periodic -Statements. If yo~ hnve a bnlnnc.c owl~g ori your Credit Lin~ Accou~t or hnv; any a~ciount activity, WO Will send you piJriodlci
statement,: It will' show, among olher things, credit advances; FINA.NCE CHARGES, othor charges, payments made, other. credits, ·your
a
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"Previous Balance, and your "New Balnnco,? Your statement also will Identify tho Minimum Payment ,you must mo)<o for that billlng period '
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nnd tho date l_t Is due. . · .. · · ·· ·• - - · . _1 · .. · - •
'When FINANCE CHARGES Begin to Accrue, Po1lodic FINANCE CHARGES ror- credit advanc~ under your Credit Lino wit! begin lo accruo on the
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,d~ta credit advances nre postod to your Credit Lino, Thore Is no 11 free ride period" which wo\J!d allow yqu to avoid a Fl~AN9E CHARGE on yotir
Credit Lino crodit advances; · - · • · iI I·
Mothod Usc-d to Determine the Balance on Which the RNANCE CHARG~ WIii Bo Compute~} .A ~a!!y FINANCE CHARG~ \viii bci Imposed on nll
credit _advances medo under your Credit Line Imposed from tho date of each credit advence1based on the "dally balangow method, To get the
dolly balance,.wo take the bogirin!ng balanco or your Credit Line Account.each day, add an'I.1 rlew advances and subtract any paynionts or credits
and ariy unpaid FINANCE CHARGES, This gives us.th1i "dally balanco,0 . . . - .. . . . . . .
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Method of Dctcrniln!ng the Amount of FINANCE CHARGE, Any FINANCE CHARGE is dotermlnod by.applying tho "Periodic Rate• to the balance
described heroin. Then we add together the periodic FINANCE CHARGES for each day in the billing cycle, This·ts ,your. FINANCE CHARGE'
-calculated by applylno a Periodic Rate, •·
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also agree
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to pay FINANCE
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CHARGES,
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calculated
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by applying
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a Periodic
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Raie,
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as. s;t
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forth below:.
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., Addlllonal Finance Charges. Tho fo!lowlng eddltionol FINANCE CHARGES will bo charged to your Credit Uno or paid In cash: ,
I · _ Underwriting to Bank of Coral Gables:
Sc~,mne'l!..-.:::P.rocessing Foe to ' Bank . of Coral
.: In c;esh.
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~300!00
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I ~Y._:ite__ .· Gabl~s: · ! . j .~ Cas~ t176,00 l.
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... CREDIT f\GREEMENT ..
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• ... Loan~No:·40000006
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TaxServlco to Ris~ American: . In Cash .$170,00 :

Periodic Rate and Corresponding ANNUAL. PERCENTAGE RATE, wo· wiii determine! tho• Periodic Roto ~nd tho coriespondinQ ANNUAL
PERCENTAGE RATE os fallo:,vs. Wo start _with an indopondont index which Is tho Well ~tre~t Journot Primo Rato (tho "lndox"I, Wo will Uso tho
most recent Index valu11 avotlnblo to us os of tho data of any ANNUAL PERCENTAGE RATE adjustmiint, Tho lndox Is n'ot nocossorlly the lowest
. rote charged by us on our _lo~ns, ' If 1he Index becomos unovailablo duilng tho term of this .Credit Line Account, we may doslgnato a substitute
lndox after notlco to you. -J"o dotermlno tho Perlodlc Rato that will apply to your account, we take "the vplue of tho Index, round that to the
nearo~ o; 126%, thon divide tho roundod value by tho number of days ln a yoar (dolly), T9 obtain tho ANNUAL PERCENTAGE RATE wo multiply
tho Periodlc_Rato by the number of doys In a year (daily), This result Is tho ANNUAL PERCENTAGE RATE, Tho ANNlrAL PERCENTAGE RATE
Includes only Interest and no othor costs,. · ! I · · .f
Tho Periodic Rote and the corresponding ANNUAL PERCENTAGE RATE on your Credit Linlwin Increase or docrooso as tho lndox lncrooses or
, d!!cro.isos from time· to tlmo~ ·Adjustinonts to· tho Periodic Rate ond tho corcespondlng Al\!NUAL PERCENTAGE RATE r,osultlng rrom chongos In
the lndox will tako cffoct dolly,. In no event wlll the corresponding ANNUAL PERCENTAGE RATE bo more than tho lossoror 18,000% or.tho.
, maximuni rato allowed by applicable low._ Today the'lndox Is 8.260o/o 'por annum, arid th'erororo tho lnltlal Poriodlo Rato and tho corrospoi,dlng
· ANNUAL PER<;:ENTAGE f\ATE. on your Credit Line- arc as stoled below: ·
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Current Rates for the First P.:iyment Stream !
Riingo of Balonco Margin Added · ANNUAL PERCENTAGE ·. Daily Periodic
or Conditions . to Index . RATE . ! Rote·
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All Bolani:es . 0,000%. 8.250% 0.0~260o/o
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Notwllhst~nding any other provision of this Agroomont, .we will not !chargo interest o~ any unc!lsbursed loan proceeds, except as_ may be
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permittod during nny Right of Rescission period, No mattor who! else may be stated In any other prbvlsion of this Agreement or In ony other
document· you may have with us, you do. not agreo or lntond to p:iy, and we do not agred or intend to charge .iny interest or feo for tho Credit
·Agreement which would in :fr1y_way cause u·s fo contract for, chargo or collect more ror tho Credit Une Account than.tho maximum we would
bo permitted to chargo or collect by any applicable federal or Florida state law, Any such 6x_cess Interest or unauthorized fee villi be applied first
to ro~uce tho unpaid principal balance of the Credit Linc Account, and when the principal has been ·p~id In full, be refunded to you,. ·
ED
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Condiilons Under Which Other Chorgcs May Be Imposed, You ogreo to.pay all the other foes.and chorges rolated to your Crodit Lino as sol forth
below: · · · · •· .. ·
Annual Fee,·_ A nonrorundable Annuol feo or $50,00 wlll be charged to your. Credit Line at tho following time: 'Annually,
Returned lt~ms, You may bo chargod' $30,00 If you poy your Croalt Uno' obligations, with a check, draft, or othor ltom that Is dlstionor,id
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for.any roason, unless·appllcoble low requires a lower charge' or_pro~lblts' ~ny chilrgo, ;· . _· ' ,I -
Fee to Stop Payment, Your Credit Lino Account may bo charged $~0.00 when you re~'lost a stop payment on your account, . .
· i.!!te Charge. Your payment will bo lato If It Is nr~t received by us;wlthin 15_ d.iys• a~cr tho "Payment,[Juo Dote" Ghovin on your ti.crlocllc
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statement; ,If your payment Is late we may charge you 5,000% of tho payment or $5.00, whichovor Is groator, l
'Cr~dlt Line Check Prl~ting Charge. Your Crod/t Lino Account may bo choigod $6!~9 plu~ Shipping & Handling. - i
all
Security Interest Chorgos. You ogreo to pay security interest chqrgos rotated to yoqr~Credit Uno a~ set rClrth bol?w; I
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Flood Certlficoilon to First American $1B,00 1 :. •
.Appraisal Foo _ · · · - $850:oo ., •
Rocording Foos $53, 10
Document Prop.irotlon _ $225,00.
~Illa Examination to Howard W, Mozlom:rno.oo
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Total· $119~~1D ,1 •
Special Tai-:cs. Yol,l agree to p.iy all taxes rolatod to your Crodit Un~ as sot forth bolow:
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Intangible T~x $3000,00

Doc Stomp~ $5260,po ·;
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Total $8250.00 ·1 : l
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Lcndor's
. • Rights. 'Under
. this- Ag,eCmcnt,
. •-. wo. .-have tho. followirig
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Termlnotion and Accoloratlon, Wo can terminate your Credit Lim: Account and.requlnj you to pay us tho ontlro ou1stondlng balenco In.one
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_payrririnl, and charge you cortaln roes, If any of tho following happen: 111 You commit fraud or moko a matorlal r.nlsropresontatlon at cny·
-time In connection with this Crcidit Agroomont, This can Include, for
exemplo, a rolso statement about your Income, assets, lloblntlos, or·
any other aspects or your flnanclal condition, 12) You do not rneot tho repaymont terms of.this Crod_lt Agreompnt, •13). Your action or·
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Inaction adversoly affects the collatoral for tho plan or our rights In the collateral; This can Include, for oxamplo, falluro to maintain roqulrod
lns·uranci,, wasto or dostructlvo uso of.thci dwclllng, failure to poy taxes, death of all persons lioble on tho account, transrer of titlo or salo
·or tho -dwelling, oroatlon of·a senior lion on tho dwelling without our permission, foroolosuro by tho holder of.anothor lion, or the uso of
funifs or tho dwelllng forprohlbltod purp'cises, · · · · · .: · · · ·1
Suspenslcin or Reduction. In addition to eny other rights we moy!havo, wo con suJponci additional extensions of credit or roduco your
· Credit Limit during any period in which any or tho following ore in effect: · ·i 1 · - : .
f11 Tho value of your.proporty cieclinos signlllcontly below the property's appraised ~aluo for purposes of this Cr.edit Llne-Aocouni~ This·
Includes, ror example, a decllno such that the Initial dlfforonco botweon tho Crodlt Llin]t!ond tho avollablo equity Is ·roducod by fifty porcent ·
an~ may Include n smellor decline depending on tho lndiyidual clrcu111stonces. •j !· , · ·
(21 We reasonably bollevo thot you will bo unablo to rulfill your payment obligations'. under your Credit Une Ac.count duo to a material
1change In your flnanclalcircumstanc~s, · · :! ·· . i; • .
. (31 You are in dofault under any matorlal obligations or this Crddlt Lino Account,:. Wo consldor all C?fyour obligations to be motc1lal,.
~c~¥:Ste. tecgo. rlcs of motorlol obllgatlo. ns lncltido tho evonts doscribod abbvo under Tormlniitlon and .Accoleratlon,. obligations to pay foes. and
8, ffiarocs;· oblloatlons and limitotions on tho rocelpt of credit advances, obligations· i:oncorning molntenance or uso of the proporty or·
.iafo_ .JflJ?ods, obligatlons to poy and perfor_m,tho terms of anr o!hor do,od of trns_t, _morto:go or l~as~ ~f tho property,· oblloatlons to notify us_
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· CREDIT A~REEMENT
'' ;;Loan ;No: 400_00QP,6 . . . (continueciJ Page 4.
and 10 provide documents or information to us (sui:h as Updated ffnariclal lnformatiol\),;obligotlons to comply with,eppl1cable laws (such as
zoning rostrlctionsl,.and obllgations or any comaker, No dofoult will occur until wo;mall or dellvor n notlc11 of default to you, so you can.
r~storo your tight to credit advnnces,. . . : :· . ".
(41 •Wo arc precluded by government action froiri imposing the ANNUAL PERCENTAGE
• _. r • • . _ · ··, · · • • • :I , ·
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RATE provided
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for under .this
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Agreement•
·151 The priority of our soctirity Interest Is advorsely affoctod by governmont actl011 ~,;, tho extent that the valuo pf the security Interest is
less than one hundred twenty porcent (120%) of tho Credit Limit, · · · · ·
. (61 ,Wo havo ~een. notinod by govornmentol authority that continued advances may ccinstltuto an· unsafe end unsound buslnos.s proctlcii,
Change In Terms. Wo may make changes to tho terms of this Agroemont If you. agree to the chang·o In writing ot ihat time, if tho change
will unequivocally benofit_you throughout tho'remalndor of your Crodlt:Lino Account, or if tho change ls'inslgnlllczint (such as changes
rola_tlng to our data processing systems). If tho Index Is no longer available, wo will chooso a new Index and margin, The new lndox will
. have an his tori cal movement substenUally slmlla(. to. the• orlglriill Index,, and the, new. Index and margin. will result In nn ANNUAL
· PERCENTAGE RATE that ls sub_stantlatly similar to-the rate in effept at the time 1he orlglnal Index-becomes unovallable,- We may prohibit·
additional extensions of- credit or reduce your Credit Limit dtirlng any poriod lr.i which the maximum ANNUAL PERCENTAGE RATE under
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_your Credit
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· Collection Costs, Wo may hire or pay someone else to help colloct this Agrooment lf\ioti do not pay, You wlll pay us the amount of these
costs end expenses, Which Includes, subject to any limlts'under'epptlcable law, oJrlreasoneble·ettorneys' foes end our legal axpens·es
whether· I?' not thE_?ro Is a lawsuit~ Including reasonable attorneys'. fees and legal exp1n~es for ban~ruptoy proc_;aoqiags (Including efforts to
i modlfy·or vacate ll!lY automatic stay or Injunction), and npp_eals, {f not prohibited by, ~pplicabla law, you olso wlll pay.any court·co·sts, In
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addition to all other sums provided by law, - · 1 · : . .' · · ' · · ..
Rate· increase. In addition to our other rights during tcmilnatlon end accelerntlon, .we may Increase 1ho variable ANNUAL' PERCENTAGE
RATE under this Agreement to 18,000 percent per annum, The ANNUAL' PERCENTAGE RATE will not excoed thci maximum rota pomiltted
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by appllcoble law, If we do not lncroaso tho ANNUAL PERCENTAGE RATE upon termination or accoleratlon of your Credit Line Account, It .
_wlU i_;ontl~ue at the variab!e rate 111 offc~t as or the date or torrnlnatlon ~r acccl~ratlon of your Credi~ Uno Account,
Access Devic~s; If your c~iidlt Llno·ts suspended ~r torminated,·you roustlmmedlately.roturn to us all Homo Equity Ltne of Credit Checks
ED
and any othor accoss devices,. Any.use of Homo Equity Line or Crodlt Checks or othgr eccoss dovicos following suspension ortormlnatian
may be considered fraudulent. You will also remain llnble for any further tisc of Home Equity Line of Credit Chocks· or other Credit Lino
access devices not roturned to us, .. . .. .
£?elay In Enforc_c_m_e_nt. 'We mny _dolay orwal~e tho cnforccmont of any iii our rights undor_r?ls "'.gr~.c~ent.withcut losing th. at right or any other
nght, If wo delay or waive any of our rights,. wa may enforce that ng)lt at.any timo In 1/la future without advance notice, For example, not
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terminating your account for non•poyment will not be o walvor or our rlg~t to terminate you,r account In tho future If you:hnve no~ paid;
Cancellation by·yoti. If you cancel you( right t6 i::-redit nd;arices·under: this Agreoment, y~I} must notify us and roturri·an Home Equity Line of
Crodlt Checks and ony othor access devices.to us, Diispito cancellatlon, your"obligatlon·s.undei this Agrconient wilFromaln In full forco and
effect until you have paid us all amounts due under this Agreement, · · 1 ·• · - i:
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or'
Prepayment. You may propay ~II er any amount owing undor this Credit Uno DOV timo wlthou't ponolty~. lixcept.wo wlUbe eniltlod to recolvo
all ni:crued. FINANCE CHARGES;• and other charges, If any•. · Payments in excess of your Minimum Paymont wlU not relieve you of your obligation
to continue to :moko your Minimum Pl!yments. lnstead,:thoy y.-m reducq tho principal balarice.owed en tho Cre_dlt Lina~. Yo~ agree n~i to send
us p~ymorJ.ls mark~d '.'paid in full", "without recourse", or slmilar langUalJD, .If y01;1 send sugh n·poyment;_wo m~y accept It w11~0.ut losing an~ of ·
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our rights under this Agro_omont, and you will remain obllgated to pay. any further amount owed to us. All _Written communications ,concemmg
disputed amcuntr;, including any chock or other payment Instrument tha\ lndlcatos that the;payment constitutes ~paymqnt In run•·of tho amount
·• owed or lhat Is tcndorod With other conditions or !Imitations or as full satisfaction of a dlsppted amount must bo mailcd,or dolivered to: ·Bank of
Coral Gables, Attn: Loon Oporations, 95 Merrick Wey, Suite 106 Co'ral Gablos, FL 33134,. : . · . · . :. . .
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Notices, All noti~os will bo sont to your address es shown In this Agreemont~ · Notices will:b~ malled to you at a different address if you give us
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a .
written notlca of dlfforcnt address, You aaroo to advise us prompUy If you change your n\aJllng address, ·
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Credit lnform~tlon an~ "Related Ma~tors, Yfu authorize us _to rolooselnfarmatlon about yot,110 third parties as doscrl~od !n ~':Ir privacy policy an~·
. ou_r Folr Crod1t Reporting Act notice, provided you did not opt out-of th:o appllcable policy~ bras permitted by law,, You agree that, upon our
a.
req~est, you WIii provide us with a_ currant flrianclal stetoment, new. cf edit application, ot both; on forms provided by us, You also agreo WB
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may obtain credlt.reports•on you at any time, at our sole option and oxpense; for any reason,'lncluding but not llmited to determining whilther
there lies been an adverse change in your financlal condition, ·.wo may roqulre a now appraisal of.the Property which secures your Crodit Lin~ at·
. any time, including an l11tornal Inspection, at our sole option end oxpense, • i .
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.'1:ransfor or. AssTo_nment~ 'lfit~out prior notic~ or approval from .v.ou, w~ r~orvo_ tho right!to soll o_r transfer your Credit Ll~o Acco\Jnt im_d our
· rights and obllgallons under this Agreemont to another lender, entity, or person, and to assign our rights under tho Mortgago, Your rights undor
thJs·Agreement belong to you only and ·may not bo transforrod or assigned, Your obliontlons, however, era-binding on.your-heirs and leg~!
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representatives, Upon any such solo or transfer, wo wlll havo no furthet. obl!getlon to provide you ·with ·credit advances or to p~rfc:irm any other
obl!gatlon under this.Agreement. · · · · • · · · 1 •
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Tax Consequences. You understiind that nelthor wo, nor any of-our employee~ or agents; make any representation or wiurantV whatsoover ·
. concerning the tax consequences of your establishlng and using your Credit Lino, includlng t!Je dedui::tlblllty of interest,;nnd that neither we n~r
.our employees or agents wlll be liable In the event Interest. on your Cra~lt Lino Is not dedu'.c!ible. '.You should consult your _ovm tax advisor fo_r
guid.ince on this subject. ; I. i1 !
Notiry Us of lnaccur~t~ Information We Report To Consumer Rep~rllng Agencies •. Pleaso notify us If we report any lnacturato information pbout ·
your accountlsl · to·_ a consumei reporting agency, . Your: wrltton notice. doscrlblna 1h0 specific lnaccuracy(lesl should be sent ~o. u~ · at th_e
followlna a~dress:.B_ank of Coral Gables Attn; Loan Operations 95 Merrick Way, Suite 106 Coral Gables, FL33134, • ·
Jury Waiver, Wo end you hereby woivo the right to nny jury trial In any action, proceeding, or coun~erclaim brotight by.either us or you against
the other, (Initial Here· · I · · ·
. Governing Law. This Agreement will be governed by federal law applicable to us and, to tho extent not preempted by •fcdornl law, the laws ~f
the State of Florida
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without
. rogard to Us ~onfllcts of law provisions. ThlslAgreemcnt hos been accepted by .
us fn tho Slate of
. Aorlda, .,.
~7.~nelt?J~e 9f. Venue, . If thore Is a l.iwsu.lt,. you ngroo u~~n our roquo. st to 5.ubmlt. to tho. Jurisdiction of the courts of Mlan'jl-Dado County, Stato of
Vf!. 1da, · •
t"te_: - shmcrit. You consent to the Issuance at a continuing writ o(garnl~hmimt or attach~~nt against your disposabloloarriings, in accordonco
;. :,Vil Se_ctioz:i 222._1 J; Fl?_rlda Statut_li~;.in _order to soUsfy, In y.rhole o:r i,n part, .iny ~oisey Jl:'d_gr,ent anterod In fayor _or l/s~ . .: .
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. ~. ' ' ,· ,. CREDIT AGREEMENT·• '. I
.. T •.• Loan ·No: 40000006 (Con~inued). ' i i 'Page 5
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Caption Hoadlngs. Caption headings In this Aoroomonl' ;ire rcr convo.nlenco purposes cply and aro not 10 bo usod to Interpret or derlne tho
provisions pfthis Agreement, . · · .; • • ·
lnt_orpriltall~n. Y9u agree that this Aarocment, togathor with tho Mortgage, is tho bost ov1denco of your agreements with !J~• tr _we go to court
for ony·rcoson, wo con use a copy,.fllmod or olectronlc, of any periodic statcmont; this Agreement, the Mortgage or any other document to
prqvo y.,hat you owo us or that _a tronsnctlo_n has·.1aken pleco, Tho copy, mlcrofilm,_mlcrpflcho,.or. optic.ii imogo will have 1he samo validity .i_s.
the onglnal; You agree that, OXC?DPt to tho ~xtcnt you can show thoro is a billing err9r, your most currant periodic &tatom~nt .Is tho beat
ovidonco. of your obligation to pay, · j
scvcrabl(lty,. If a court finds that any provision of this Agreemam Is not vo)ld or should nai be erircrced, that fact by Itself will not mean that tho
I• . rest of this.Agreement will not bo valid or onforood,. -Thorofaro,· o court. wlll•enforco tl)o.rost of tho provisions of this Agreemont ovon If n ,
provision of this Agroomont may bo found to bo lnvalld or uni::nfarcoablo, . , •
Acknowledgment.· You understand and agroo to tho t~rni; and cionditioh~ lri this Agrocmc~t; . By sinning this Agrcomc6t, you acknowlcdgo that.
·you hnvc read this Agreomiint, .You also acknowledge receipt of a i:oinplotod i:cipy of this ;Agreement, lncludlna the foli Credit BIiling Notice il!Jd
tho eBrl.V ho~o oqu_Ity lino cif ~iodlt 11ppllceti~n_dlsclosurc, In addition 10 the hondb~ok enti(l~d ''What y~u should know ,a~cut Home Equity Unes
ofCrcd1t, 11 given With tho opphcatlon. · · · · · · · ·· :I , · ,. · : · ·
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BORROWER:
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Laurence Schnelder I, ,.
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Effective Disbursement Date: _ _..,,~.-.,/2,.
-·= ,7._~.·
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'! Florida Documer;itary Stamp Tar l 1.
Florida. documentary stamp. tax in the amount required by law has been paid With respect. to this Agroement on the
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. Mortgage securing this Agreement. - . . : . .• · ! . ~· . . .
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' : • ~Lo'an' No:'40000006

· CREDITAGREEMENT
(Coritlnued)
BILLING ERROR RIGHTS

• ·page .6 •
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YOUR BILIJING RIGHTS
KEEP:THIS NOTICE.FOR:FUTURE;USE
This notlca ~on ta Ins Important information abou~ your rights and ci~r responsibilities under)h'o Fair Crodlt BIiiing Aor,
Notify us In case of errors or qu'estloris <!bout your blll. •
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If you think your blll I:: wtong, or If you need more Information about n 1ransa~llon on your'bill, write us on o separate shoet ~I
Bonk of Coral Gobles •.
Attn: Loon Operations
95 Merrick Way, Suite 106
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Corol,Gnbles,·FL· 33134 , .
or nt the_addross listed on your blll,. Writo to us os soon os posslblo, We must hear from· you no lator thon slxiy (60) doys after we sent you the·
first blll on which.the error or problem appaarod; You can telophona ~s, but doing ~o wlll not prosorve.your ~ights, ·
In your lotter, give us 1ho followlrjg lnformotlon:

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Your name and account number•.
1:ho dollar.amount of~ho cus_pe~ted crr~r, __ . I. _
Is if 1/~u ilood maro inform;itlon, demibo the !tom you nro
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Describe tho error and c><ploin, Ir yciu c~n, why yeti belicvo thoro an error,
not s~re about,
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If you have authorized us to pny your bill automatically from your savings or checking ncccunt, .you can stop tho payment on any 11moimt you
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· think is wrong, To stop tho payl]lcnt, your lotter must roach us three (31 buslnoss days borciro ~ho automatic payment Is sche~ule~ ~o ~ccur,
Your rights and our responslbllities after we rocefvo your written notico. .
Wo must acknowlodga your latter within thirty (30) days; unless wa hayo corrected the.error by then. ·•Within ninety (SOI days, wa must either
. c·orrect1ha error or oxplaln why wo boliova tho bill was correct; · · · · · · · · · ·•
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, After we receive your lettor, wo cannot try to collect ony'amount you quostlon, or report you as delinquent. We can c9nlinue to bill you ror the
, ~mount_ you qlia::tlon, lncludfng flrionce chnrges, a·nd we'can·apply any unpaid amount.aija!nst your Credit Limit, You do not hove to pay any
<jUestion~d !!mount while we a~e lnve~lgatlng, but you are ~t!U obligated to pay .t~e pa_ns of your blll that are not In question.
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I( wo find that WO mado a mistako on your blll, you wm not have 10 poy nny finance ch~rges. relntod .to "anv· ques1ioncd nmount. If WO didn't
mako a mista~o, you moy have to pay llnnm:o chargos, ;ind you wl!I have to make up any '!Its sod payments on tho qu·ol!,tioned emount, In oithor
case, wo will send you a statement of tho amount you owo and tho d.at~ on which it Is due~ , ·, · :
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If you fall to pey the amount 1hat WO think you "owo, WO moy report you OS dcliriquont, H6v1evi:r, if our cxplailatlon·toes not satisfy you and
you write to us within tenl1Ol days'telllng us that you still rorusc 10· pay, we must tell unyono wo report:you to 1hnt you have o question about
your bill; And,' WO must toll you the nnmo of anyono, WO reported you to, Wo must
toll .inycno WO report Y<:>U to ttiot the matter hos boon
settled betwoon us whon It rJrinlly Is, · · · · .,
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tr WO don't follow those.rules,

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WD can't collect tho nrst. $60 or th~ questionod amount, elicih If your blll was correct •
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·· 111111111rn 11111111 UII 1m ~ 111,, WII llllllll .

i. {JJG/~;Tc - - •- -. CFN 200504420:39
RECORDATION REQUESTED BY:· OR BK 20662.PG ~250
. B=11k or Cor.,I Gabloo , ·
Lending DM•lon ~ECDRDED 07/31/20n6_09~03s10
96 M•rrlck Woy. Palt:1 Beeoh·county,,Floride
Sulla 106 ·, . ·AHT 1;5001 000,00
Coral Oablo1, FL 33134,
·Deed Doo 5j250.00
, WHEN RECORDED MAILTCh. .Intar1g 3, 000. 00
Donkor Coral oo~lo• Shoron .R,. Book, CLRRK t · C0}IPTROLLER
Lending Div41on · · ·- Pga,0250 1
~ 255J C6pga). ·
: 9S Morrlolc Way
Sulla 1D6
l' ·Carol Oablu; FL 33134'
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SEND TAX NOTICES TO:
· Dank of Coral Oablas
'Lending Division ·
95 Manlck Way
SUila 1D6 _ _ .
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Coral Oabraa FL '33134
Thi• Mortu•a• prcperad by:

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Namoi n,b,i:ca Lopez, A11ll~nl \Ilea Praoldonl:
Company: Dank of Carol Goble~ · ·
_Addr_cs_•,:_ ~6 Monie~ W~y, Ca_ral O~blas, FL 331:14
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.MORTGAGE
'FOR USE ~fTH ~ECURED REVOLVING CREDIT AGREEMENT'
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,MAXIMUM LIEN, The 1Dtol ~mount of Indebtedness securod by this Mortgooe mav decronso or lncrcoSI) from ·
time to time, but.the maximum nmotint.of prlnclpnl Indebtedness whlch-muy outstanding ot oriy ono time bo
,hull not oxcoo·d $1 ,500,0QO,OO,, pluri Tntoto11t, nnd iima-unta cxpcnd1:"d or·advuncad by. Londor the pavmont for
·of 111xos, lovlei: cir fncuriince ·en the Piopertv, iind Interest orr such omcunts •.
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"'THIS, MORTGAGE, datea July 2a; 2006, Is, ma.do and executed betwoen Louronca Schneider nnd Stophnnlc
:Schriqider; husbnnd nnd wtra (roforro·d tci boicw os ~Grontor"J ond Dunk or Carol Gabloa, Whauo ndciro1111 fa 95,
- Merrick Way; Suite 106, Coral Gables;- FL 33'134 (re"rerrcd ta below os "Lendor"). _ •
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GRAllT OF MORTGAGE.' For, v•luablo con;fdorntlon, llr•nlor mortgogoa ,a Lancfor o!I oi Groncaiu right, tltlo, ond 1~1010,t In and to th•
follawlno d■ ecrlbad roal' proparty,· 10001hor WIiii oll elllotlng or aubsequontli, crac:tad,or 11lllxcd buUdlng•, lmprov•m•nl• and llxtura,1 all
ao1omcn\e, rights of way, and eppurtenoncoG; all watrr, watur rights, wolarccursos and dl1ch rights Onoludlng 1lock In utllltlos wl1h dlloh
er lrrlgutlon rlgh1a)l ond all othor rights. roysldas, ar.d profits rclatlno to Iha re Bl pro11011Y, lncludlnq Wllhauc r.mllilUcn Dll mlnorala, oll, 1101,
gootbcrmol and similar mattcrc, (the •ncnl Propcrty") loc11lJ!d In Palm Beach County, State of Florida:. · · ·
of
FOX Hill ESTATl;S OF BOCA RATciri~ iiccording to tho Pint thororir, DS rocordod In Plat Boole
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- Lot.'37
• B7, Pago 4, of 1ho Publlc Records of Palm Bo3ch County, Florido, · . · · .• -
Tho Roni Property or-fio·nddrose la commonlv known ae 17685-Clrcio Pond Court, Boca Raton, FL 33496,
The Real Property tnx ldentlflcotJon number Is 00424631010000370 •.
REVoi.vi1iG LINE OF CREorr. 'rhla Moitgaga aocuroa Iha' lnd~bladno~1 lr1cludln11, without Umltallon, Drovolvln11 lino oi credit undor which,
upon raquoat by Borrower. Lander; wl1hin twenty 1201 yaors from tho data ot thin Mortgoga, may maka rutura adv~ncoa lo Do110wcr; Such
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1~111,1 advoncu, together with fntorast tharaon, aro cacurad by 1h11 Mortaago. Such adv~nc ■ a may ba m:da, repaid, and remud11 from ,
limo lo llm•, :1ub)acl lo Iha limitation that Ute tctol culotandlng bolonco owln11 ot any ana llma, not Tnc!udlng llnance charges on ,uch
bal~nca al ll fixad er vorlabla rota or aum 8D pra\lld,d In 1hc Cralfit Agrcomonl, any lcmpolilry ovorao••• other chargu, um! eny 11mdunb
expended or udvnncad 11, provided In olthcr 1ho lndabtadnoss par.,grapll or this por.,graph, 1hall nor oxcaad tho Crudll Lfmll a, provided In
Iha Credi\ Aorecmont, · It ls Iha Intention· of Grantar nnd under \hat thla Mortoaoa ucurea Iha belanco outstanding under U10 Credit
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Agroamanl from Ume lo tlmo _from 1010 up ta tho Cndlt Umll aa pr9vl~•d In tho ~odll Ag101mont •!!,i! any lntormadl•t• b•bnca.
<lronior piaailntli, eulans lo Lendor 111 ol Granter'• right, 11110, and lntaroot In and to ell prosont 111d fuluro loaoes ol tho Property and all
· Ronrs rram tho l'roparty. In 11dditl0n,· Grun10r nrant• to Landor u Unllorm Ccmmoralal Coda socurlty lntare&t In tho Pmcnel Praporty ind
Rants, · · · · · · · · · ·· · · · ·· · · · · ·
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THIS MORTOAGE, UlclUDING THE ASSIGIIMEIIT OF IIE«TS AND TIIE SECUR!TY. INTEREST IN THE llENTS AIIO PERSONAL pnoPEllT'I•
IS OIVErl TD SECURE· IAI PAYr,1ErlT OF THE JNDEIITEDNESS AIID · (DJ t'EIIFORMANCE OF EACH OF GMNTOR'S AGREElllENTS AND'
· OBLIGATIONS UNDER THE CREDfT AGREfMEl'JT-WITH THE CREDIT UIMT OF 01,60D,DDO,CD, llfE RELATED DOCUMEIITS, AND THIS
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MORTGAGE; THIS MORTGAGE IS GIVEN AND ACCEPTED ON THE FOLLOWING TERMS: . -. . - -- - -

ORAtlTOR'S WAIVERS. Granter Wolvoo all right• or dafon10,· rirlllna by taacon or any •imo 1ctlan" or ~on1i-doficlancy• low, or any other
l•W which may pravo11t Lan,!or from brlnalna any action a9oln~\ Granter, lncludlng a clalm ror daRclcnay to Iha oxtcnl Landor Is olhorwlu
onllllod lo • clelm for dallalcncy, baforo or altvr Lendor•, commancement or ccmpletlon or ,ny roroclcsura aotlon, ulthor Judlclally or by
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i:x•rclsuor I paw_or of Bolo~. . _ _ ·· •· _- .

· GRANTOR'S REPllESErO-ATIONS AND WARRANTIES. Gr;nlor wanonts 1h2i1 lo) thl• Morioaoo It axoouiad oi llorrowar'a jaquHt and
no! ni.tba ruquoot ol..Lcndor; (bl •Grsnts,r.ho: Iha full powar, right, and autharllv lo ontor lnlo,lb(Jt Martgaga~onl{,to hypo)livo11a·\I}!
Praporty; (cl Iha provlolon:; ol this Mortgogo do not canlllt:t With, or raoult In a dolault undar any 111roomcnt or other lnorrumcnt blniflno
upon G11n\ar and do not ro,ull In D vtaloll•n or any !Aw, regulallan, cau11 dacra• or ardor eppDcebfo lo 011ntor; .ldl Or,ntor ho• o,tobllshod
adoquo\0 moon• of ob1olnln11 rram Borrower an e conllnulng boal• lnCormiitlon Dbcul borrawar'a llnanolal ccndltfon; and lo! L,,ndcr has
mado no 1op1113onlat/0n to Granter ebaUI Dorrawar llncludlng wllhau1 limitation Ihm credl1Worltilnas1 cl Borrower).
PAYMENT AIID PERFORMANCE, - Exc~pt n c1tuirwl~• pravldad'lll thl• M~rrgago1 Boirow~r •nd· Clrcntbf ~hall -P~Y ta rn,dar oil
• lndoblodnau 1acurad by lhla Mcnaaao as It boccmos dU<>, ind Darrowor _and Grantar shall atrlctly p1rrorm au Barrow•1'1 and Grantor'•
· obDa•tlcn, Ul\der 1h11 Mongcgo. · · ·
poss1:ss1oil AND MAINTENANCE OF THE PROPERTY, Bonow or rind Gn1ntar corn~ 1h01 Borrowcr'a Dnd rirontai•:r pc3ica,lon ~nd uso cl
· Iha Property 1hcll bo 11ovamod by tho followina provlslon31 • · • ·
or
Porsmlon ~nd U~o; Untll G11n10r•~ lntoicot In ahy it! al tho Praportv' Ii iorocl01od, oran10r moy 111 rtim~iri In poiee11Jo11 and
control oltho Proporty; 121 un, oparalo or 'l'onago Iha Prcpa11y; ~nd ·131_ c;ollocl Iha Ranta lrom Iha P/apar1y. .
Duty lo Mslntnln. Groritor ,hall maintain rha Propany In goad caridlrlOIJ and promptfy p~rform all rcpnlrc, roplacom•nt•, arid•
· niotnlononca nacouary to prnarve 111 Yahn. 0
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CompffDnca Wllh Environmantal Law,. Gronlorrapro10ni. and w_orunt:: 1a Landu lhAt: 111 curing the porlod of Grontcr'• r,li,,ior,hlp
EXHIBITS
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MORTGAGE
(~imtin_uod)
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·onha Propony, !hara' has boon na uoa, ganoriitlan, ir11nullciuro,at01oga, 1ra11rrion1, dlrpasal, reloaso or-ihraa1onod roloara al any·
Hnzardaua Sub1h11ca by any parson on, undar, about ar. lrom Iha Pr0party1 121 Grantar hsa 110 knowladgo al, or raa,on ta bollava
· thU lh•r• ha• boon, oxaap1 DD provloualy dholoaod lo qnd ac~nowlodgad bi' lander In writing, ·(ol ony broach or vlolntlon al any
Envlronmontol Laws, (bl any u,o, gonorallon, rn•nulacl~ra, sloroua, trootmont, dl,posal, roloo,a or thraatcnad rcla••• ol any·
, Hazardous Subs1011ca on, undar, about er from Iha P1opcrty by any prier owner• or eocuponls al Iha Praporty, or (cl any nctual or
· throctoncd lltlgollan er olalma ol cny kind by any parson relalln11 to 1uoh mottor•: end (31 ExC1!pl ar provtou1ly dractoaod to end
acknawladgad by Lendor In wrldno, . (ol nnlthor Oron10r nor any tennnr, con11ac1or, egont or 01har eul!lorlzod user ot 1ha Proponv
ahall uso; gonoreto, rnanulactura, stare, trcol1 c!Jsposp cf or rclouo any Haurdous Substcnca en, undor, about er from tho P1oporty;
one! . lbl any r.uch actMIY shall ba conductod In compllanca With all. appll:oblo lodoral, slalo, end lc~ol laws; ragulllt!cn, end
ordinances, Including Wllhout llmllatlon ell Envlronmanul Lawa;. Granter outhorlzua Landor and Ila cganlr to enter upon tha Proponv
10 mau aUl:h lnapoctlona and l••ls, et Granlor'• oJpcnao, ea Lender may doom 1pproprlato ta dotormloo compllonco al Iha Proporty
with this sactlan cl tho Mor1gago, Ariv lnspnctlon• or Inst,: mndo by Londar .i:.hail ba for londnr's purpcsoa only end ,hall not ba
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cons11uod lo craato rmy raaporulblllt)' or ll~blllt)' on tho part" cl Lendor to Grenier or. la any othor parson, Tho roprasantallan1 end
worrantlas contained horoln oro baDDd on Grantot'• dua dllloenca In lnvaatloatlng tha ProportY for Ha:r.ordoua Stlbllsnaa1, Grontor
· heraby." 111 ·rolauos end wolvas any Mura clalms •11•lnsl L•ndor lorlnc!amnlly ar canlribullon In Iha ovanl Gronlar bocoma• ll1bla ror
alcanup er olhor cool ■ undar 11ny auch law,; end 121 DllfOOa to lndemnlly and hold hormlaaa Lendor •o•ln•t ony and all clotm•, lonaa,
flobtlltloe, darnooo,, ponalU01, one! •~ponns which L,ndar may dlra01ly or l11dl1001ly 1u11aln or 1u1Tar ra,ultlng f10m o broach ol thla
.$action ol rha, Mongaga or.u a oon•aqucnca _cl any use, ;cnoration, m•nUlacluro, storaga; dl>paul, raloasa er tllroatanad ralncao
occurring prior to Grontor'a ownor,hlp or lntoron In tho Prcporty, whathor or not tho aama wu or ,hould havo boon known lo
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Granrar;: Th• provlalona er thla uoUon or th, Mo1lgaoo, Including Iha 0bffg1Uon 10 lndamnlly, ahaU surv!va tha payment or. Iha
lndebtedne,a and Iha setlslectlc11 and raconvovanca or the l•n al th!r. Mortgoga and ~hall not bo allc01od by Lender'• 1cciutslUon or
eny lnlaro•I In Iha Property, whalhar by foroclo1uro or cthorwlta, · · · · ··
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Nulunco, Waua,, Gnnlor ,hall not CIII/SDj conduct or pormll zny nuloanc11 ncr oommll, porrntr, iir sulier any stripping ~r wula on
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or ta tho Proparty or any portion cl tho Proport)', Without llm!Una tho gonarolltV o! Iha loraoatng; Gron1or wrn nat romovo, er aront ta.
any othar por1v Iha right la remove, anv tlmbor, mlna111!1 lfncludlng o" and go1J, coal, clay, acorio; aoil, gravel or 1oclt produc1a
_without l.andar'• prior Wrlllen con,onl, · · · • ·
i Romaval of Improvements. Gtunlor •hall not c!cmall•h or ramova 0ny lmprovamanls lram. trio Real Property Whhaut Landor's prior
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wrlllan consent, As n condition to tho romoval of ony l111pravtment,, Lendor mny raqulra Granter to mako arranocmonts tallslacrory
to Londar to raplaca cuch lmprawmanta Wllh lmpravemants of al 1oa1t_ equal val~o, ·
I. bndu'a Rl;ht to Enicr; Lender and Londar'a aiganl1 ilnd"rapiaacntaUvae may 011ierur.011 iho Roel PraparlV al ell ioc:icnablo llmaa ta
Alteml la .Londer•, lntcroata and to lnopac;t Iha Raal rropany lar purpooo3 of Oranlor a campllcnca with lh• tamu ind aondlrlona 111
I th!• Mortga~o,
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·
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Sub ■ oquent Uon1. Granter shall not eUow any 1ub1uquan1 ltaoa or mortaaooa on aU or any partlon of Ilia Proparrv Without Iha prior
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written consent cl lcnd~r; . • , _ _ .
Camplioiica with Gavornmontol Rcqulrilmi111ts, · Gimntor chaU piompUy i:cimply with oD lows, crdlnericas, rind tooularlons, now or
hornaltar 111 ollact, of aQ gavarnmontal aulhorllloa oppllcabla to Iha uee ar_0ccup1nGy or tho Proporly,. Grantor may contaat I~ 1100d
faith any such law, ordlnonco, or rooutallon end withhold compl11nca durlnlJ anv procoad!ng, Jncludlng 1pproprlo1e eppaat,; aa lcn11 n
I: Granror hes notlnad Landor In wrltlna prior to dolna sa and so long er; In Lendor's aola opinion, lond11's lntorosls in tha Property era
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not Jeopardlzad. · Lander may nqulro Granier ta post adcqualo ,0curl1y or n suraty bond, roasanabl\l sallsloclary to Landor, ta proloct
Lander's lntaroor, ·
Duiy 10 Prata~t. Granier norou niilthar ta abandon or loava unattondod tho Proporty, Granier aholl do on olh~r ech, In addlilon to
lhaso 11cta 1ot r0r1h oba~a In thla aacllon; which rrom tha choraclor and un cl tho Property arc roa:anobly nacassary lo protacl oncl
prosorvo thi: Prcporty,, · - -
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, DUE ·ot/ SALi; • COIISEIIT DY LE/IDER, Under may; 01 Landar's option, declare lmmcdlalaly dua and piyabla oD sums sci:urcd by lhls-
Morlgaga upon tho zclc or transrar; wlmout Londor'u prior written con~ont, or ell or anv part er tho Jlaol P1oportv, or any lntora&I In 1ha ,
Roal Property, A •,ota or tranllor• ms ans tho convoyonco of Root P10portv or any right, tllla or lntorut In tho (loaf frcpartv; whether legal,
bonallalal ar vqultablo; whothar voluntary er lnvoluntory; wholhar by outright sala, cloud, lnstollmant a0l1 cantrnct, land conlrocl, contract
lor dead, louohcld lntDrosl wllh a term oroator lh•n throa 131, yom,. loa;a,apUon c0n11ac1, er by nla, oulgnmont, 01 tran,ror of any •
bandlcM Interest In arta any land 1ru•t ha(dlno Ilda to tho Reel Proporty, or by any cthor mathod cl convoyenaa al en lnloroat In tho Roni
P1op_0rty, However; Ihle option ahcl not bo exorclaod _by Lancler It auch axarclsa 13 prchibhad by (adorel law er by Acrid• law,.
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TAXES AND LIENS, Tho fallowlng provision• rolaUng ta tho taxes end Uana_on iha Propeny are part al thlu Morto111e1
J'aymonli · Gnntor 1hell pay whan duo l•nd In •» avenle prtcir 10 dolfnqucncyJ iill taxes, payroll uxas, spocl1I taxas, iissos1monta,
• wa1ar ohorgas ond eewer nrvloa chargo1 lovlad 1g1Tr.Sl or an account or tho Property, and 1hall pay whan duo on olclm• for work
A
dono on or. for sarvlco, rcndorad or, m.ilo!lnl rurnlshad ta tho Prcparty,,, Guntar shall rnnlntoln tho Ptoparty rroo or any Ilona hnlllng
prlcrlly aver er equal ta lhc lnlarest of Landor undor this Mortgago, oxcopt far thees Hana 1psclllcnlly ograod 1a In wrltln11 by Lendor,
end oxcapl for tho lien cf taxes end anusmants nal duo ar further ,pacJRacl In tho Right ta Conlast p111g1oph, · · · -
to
Ng.hi Conl0tl," Grontor may ·wlL~hatd piiymant cl ony hX, unneinant; or olalm In ccnrioo1l011 with a 11110d l•hh dl1put11 ,;var lh~
, obllgotlon 10 pay, ra long n lendor'11 lntoroet In Ula r1oport)' Is 11acJoo~ardlzod,: II u llan 0rlsos or ID Olocl as a ro1ul1 cl no~p1ymen1;
T
Grantori.hatl within filtcan 116) days al10r tha !Ion ollsos or, II o llcn Is mad; within flllcsn 1161 day~ aftor.Grantor hn notlca of tho
. filing, secure Iha dlsch•roo er tho Ran, er Ir roquostod by Landor, dcpaalt With Lendor cash or a 1iutnclont ccrpcrato surely bond or.·
01hor aocurlly 11U1factory la Landor In an amount ,urncrant la tlisoharga Iha Uon pl11a cny cosls end roa,cn1blo 11tornoy1' lace, or
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oth•t aherg;a thet could accrue a, c ro~ur1 of a lataclasuta or, solo _undar Iha lion, In any 0cnt011, Granlar ohoR dalond_ luall and
lander end aluiU aatlafy any adverao Judgmonl bolora onlorcomanl 11g0lnal Iha Pr•p•rlV, Grenier ■ hall nomo Lander u an addltlcnel
abllaaa undor any 1ur111y bond lutnlshad In lho conto1t prcccodlnaa, ·
Evldanco or Payment. G1on1cir •hall upon domand rurnloh to Lunc!er 1e1iarai:tory evldenco oi payment cl tho IOXOI or omsamonir ind
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shall authorize Iha approprloto oovarnmenlal olllclol lo dcllvcr lo Landor at any time II wrlttan statomcnt or Iha loxes tnd uso:amonts
ag_nln~t tho P1ap_orty, _ _ · .
Norlco of Canotruollan, Orontor ;hnll noUllr' Landor ot laosi llll~cn 1161 dby:i bclcrc iiriy Wark Is caminancad; any 1orvlc01 aia
rurnlshad, or: any rnolor(als era suppUad to tha Property, II any mcchonlc'a Uan. matorl~lman•a rtcn, or olhor Uan could bo. osier lad 011
account of tho Work, aorvlcoe, or motorlol1, Grantor wlll upon request of Lendor lurnlah to Lonclar oclvenca ouuranco1 tollelaetcrv la
, lander that Granter can and wla pay Iha cont ol auch lmprovamonta, -
PROPERTY DAMAGE INSURANCE. Tho following pravl1(on1 ralcllng to lnaullng tho rriij1111fy aro II part of this Mortgogo: 1
Mnlnlanena1 or lnsur.incn. Grenier shaU piocura and rnelntidn pctlcloa _al fir• ln1uronoo with atandard oxiondad oovarooo,
I ondorsamonlc on a 1apl1eomcnt baola lcnho ru:1 lno\Jroblo value covering all lmprovomonla. an tho Real froportv In on •mount
l • aulllclanl lo avoid oppRcotlan cf any ccln1uranco clau,a, and with a ,tandard martgagc11 clau,o In lover ol Lander, Pallclas ah•II ba ·
, written by ouch lnauronca componln and In auch rorm OG may bo roasonol:ly nccaplcblo la Lendor. Grantor sliDU daffvor lo Landor
ccrrlllcotcs al cova1aga lrorn each lnsuror containing • '11putatlon that covarogc wlll. not bo cancoUad or dlmlnlahad without a
I minimum ol lcrty-Rvo 146I doya• prior wrlllon ncllca 10 Lanctor ond not aontalntno any dl,clalmor cl tho lnruror'• UablRtV ror tarruro ta
:1I· give such norlco, Each lni\llenco pcllcV or.a ehnll Include an cndorramant pravtdlnti that covor1;0 In favor 11I Land11 wlll nel ba
Impaired In any W•Y by any oct, omission or dafou11 or Granter or any other parson, Should tho Roel P10par1y bo locatod In en oroa
i daalonatod by lhu Dl1oc1or of Iha fadorol Emaigoncy M•nagomonl Agency aa a spool•I flood h.narcl araa, Granter eilrcos lo obtain and
maintain federal flood tn,urenca, It nvnUobla, lar Ilia maximum 1mcunt al your crodll lino end Iha full unpaid principal balance ol any
prior lions on tho prcpert)' scouring tho Icon, up la Iha maximum pallay llmll• ut'undor, lh• Nollonal flood ln1uranca P10a11m, er oa
ii~;;~•n,ulrad by Londor, ~nd lo inalnto~ 1uch lnauro11co for Iha rorm of tho loan, · · · · ·
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'MORTGAGE.
I (Continued)
AppUcnllon of l'rocaedr., ·Oraotcr shell promptly notify L.ndor of any Ion er domega to Iha rrop·cny, Lander may moko pracl al loaa,
II Granter fella to do ao wllhln fllloon 1161 daya ol lh• oaauolly, Whothor or net Londor'a aocurllY lo lmpolrod, Lender may, at l.andor's
o!ocllcn; rccclvo om! retain tho pracaads ol ony Insurance and apply tho prococds to Iha reduction of thD lnclobloclnasa, pavmont al
ony lion 111locllng tho Prcporty, or tho r01lcl'llllan and. rapa!r o! tho Proporty, If lanclar o!aata 10· a,ppl)' tho pracoacls to rastaratlcn end
ropalr, Granter oholl ropalr of roploca tho damogod er dosuoyod lmprovomonta In a monnar ■ otlafaotory to Landor, Landor shall, upon
setbfoatary prcol al ,uoh oxpondlturo, pay or ralmburso Granter from tho proaoad, for tho raaeonoblo oaot ol repolt er rulcrallan II
Granter 1, net In default under this Mortgogo, Any prccood, which have not bean dl,burscd within 1B0 day, oltor tholr rocolpt and
wh!oli' Lendor h11 net commluad to tho ropo!r or raatcrat!on ol tho Proparly •hall ba uaod llral to pny any amount awing lo Landor
under thl1t Morraaaa, than to pay accnJod Into roar, and· tho romn!ndor, JI eriv, 1holl bo oppl!ad to Iha principal balcnca of Iha
!ndobtodnoss, JC.Landor holds any pr~coods airer payment In full of tho lndobtodnou, such proceeds shcQ be paid to Granter as
Grantor's !nroroata moy oppoar, - · · · · ·
LENDER'S EXPENDITURES,. II Granter rol!a fAI to koop tho Propcit'I' lroo of ell toxoa, Iron,, ioaurrty lntoroata, o,icumbrancoo,' ond other
cfolma, . (Bl •to provldo ony roqu!rod lnsuronco on tho Proporty, or (CJ · to moko rcpo!ra lo tho Proporty lhon Lendor may do ao; If ony
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. action or procaodlng Is oommancod that would mator!all'f 1llcct Londcr'.2 lntorosts In tho. Praporty, than Landor on Grontor'• boha!I may,:
but Ii not required to, toka any cation that Lcndor.bollovos la ba approprlata to protoct londor'a lntoroatc, ·All oxponsc, lnournd or paid by
Landor fer cuch purpcaca wlll thon boar lntoroot at tho rato choroad undor tho Crodlr Agreomont from tho data !nourrcd or paid by Lendor to
tho dalo of rcpaymont by Granter,. AU i:uch axpon,os wm bocomo o part al tho lndobtodno,s om!, at Lander's opUon, wlll !Al bo payabla
, on domand; , (Bl · bo cddod lo tho balance of tho Crodlt Agroomont and bo oppcrtlonod among and bo payob!o wllh any lnstallmont
poymonta to bocomo duo durlno olthor (1) tha ·torm of any applloobla !nauranoa poIToy; or (21 tho romoln!ng term of tho Credit
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Agraomenti or (CJ be lroatod ea a balloon povmant which wll! bo duo and payablo at Ilia Cm!lt Aoraamonl'1 molurlcy, Tho Mor1g1ga 1l10
wlll socura paymonl ol tho so amounts, Tho r!ghta provided for In this paragraph shall bo In addition to anv othor rights or any romod!o, to
which Landor may ba antlUod on account al any doloult, · Any such actlon by Landor ahall not bo cansuuod as curlno 1Jla dolault 10 a, to
bar lender from any romody that Ir othoiwl10 would have had, . . . ,.
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WARRANtY1 DEFENSE OF lll'LE, Th• follaw!no provlsloni rolatlno to own era hip ol tho Prapott'( ora a port or this Mcrtaaoc:
llllo. Granter warrants that: l•I Granter holda good and markotoblo tltlo of rocord to tho Property In ioa slmp!a; froo and cloor of all
Rona and oncumbroncoa othor than thoaa 101 lorlh In tho Roof Property doacrlptlcn or In any !Illa lnauronco pofioy, tlllo report, or ffnol
Ullo opinion lssuod In favor or, and accoptod by, Landor In oannoctlon whh this Martgaao, and lbl Grantor has the lull right, powor,
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and authorlly to oxocuro and dallvcr th!, Mortgaao to Lander, · · · · · · · ·
Dofcnso iif llt!o, SubJoct to tho oxccptlon In tho pai.lgropll abovo, Gr~ntor warrants and wll! fcrovor dofond the !Illa to tho Property
, against Iha lowlul clolmc al all parsons, In tho ovont any action or procoadrno la ccmmancod ttlot queatlona Granror', 111!0 or tho
lntoreat al Landor undor ttJo Mongogo, Grimier 1holl dolond tho action at Grsnlor'a oxponsa, ·.Grontor may bo tho nom!nal puny In
auch prccoodlng, bul Landor oholl bo ont!tlod 10 portlclpoto In Iha pracoodlno ond la ba renresonlod In tho procoodlng by coun,ol or
Londor's own cho!co, and Granter will doUvar, or cau10 to bo dellvorod, to Landor ,uch lnsuumantc H Landor may roquost from !Imo
to tlmo to pormll 1uch port!c!potlon, · · ·
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Complianco With Lowa. Granter worronto lhal tho Propony end Granter•, uso al ·tho P(opoftY comptraa wilh all axlst!na epplloab!a
low,, ord!noncos, ■ nd reoulotlons of ocvornmcntol autho1itlo:.
•Survival-~, Prc~laas. ·l\ll promleoo, agr~omontc, and 'ctatomonts Grantor ho: mode In tt,lo Mortgago 1hoU ~urvlvo Iha axocutlon and .
dallvor)' ol thl• Marlgogo;. shall bo continuing In nalllro. and shall ramoln In full forca and olleat untn auch limo or Borrowor',
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lndebt~dnoss !: paid In full, ·

CONDEMNATIDll, Toa lolrow!no provisions re!atrn11 ta ccndoninotlon prccoodlng, uro o part or thla Mor111oool:
Procoodlnoi, II any procoodlna In condomnotlon I• nrad, Grontor iitioll promptly notllv lonclor In writing, end Granter shall P.rompll'/
taka ouch 1top1 01 moy bo neocaaor{to doloncl tho action and obtain tho award, Granto, may ba tho nomlno! pany'ln ,uch
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proooodlno, but Landor 1holl bo cnllt!ed to parllclpeta 111 th• pracoodlng and to bo roprocontod 111 Iha prccoodfng J,y coun10l of II• own ,
cholco, ond Grontor wfll do!ivor or coti,o ta bo dcllverod lo Landor 1uch lnatrumonta and documantol!on a1 moy bo requostod by ,
londor from t!mo ta limo to pormll ,uch pantcrpatlcn,
.Appllcotlon al tl•I Procoeds, If all or any part ol tho Prcporty 11 condomnod by omlnimt domain prooood!nga or by.any procoodlno or·
, purchasa In llou of condomnatlon. lonclor may ot l1s o!aotlcn roqulro that all or any "portion or tho net proceod1 al the award ba oppllod
lo tho lndobtodnooo or tho repair or rostorallon of tho Propony, TJio not procoods al the award shall moan tho award airer paymont al ·
aU reo_acneblo coatr, o:iponsos, 1111d attamay,• loo: lnourrod by lon_da! In connacl!on with l~o condof11natlan. · · ·
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IMPOsmoN OF TAXES,' FEES .AND CHARGES IIY GOVERIIMENTAL AUTTIORITIES, Tho followlng provb!ons rololln; to gcvornmantal
laxes, Icon and ohargos ora a port of th!, Mcrtgngo: - · · · · ·
c;,rrcnt Taxes, Foos end Chcrgoi. Upon requc,t by Lendor; Granier ■horl exccuta' ouch documonts In cddlllon ta this Martgago end
, taka whntavor othor action Is roquostad by L,,ndar to perloot and continua londor'a lion on tho Roal Prcport'/, Grantor 1holl ra!mburuu ,
A
L,,ndor for. •II toxai, ea doacr!bod below, togolhar. with all axponsos lncurrod In· roocrdlng, parfootino or conllnulng this Mct1111ao,
Including without llmllollan a!l lnlang!b!o porsonol prcpony toxa,, dcu:umonmy stomp toxos, looa, and othor ohoroos for rocordlno or •
rcg!storlng this Mortgage, · . . _ • .
Taxa~. · Tho lollowlng shall c:onsUtutc toxcs to which this section oppllos; 111 • spocllto tax, Including v,lthoui limitation an lnionolblo
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personal property tax, upori Ihle typo of Morrgoga. or upon ell ct ony port or 1110 · lndobtcdnaos aocurod by thl! Mortoogo; .(21 a
apcc!llc tax on Bcrrowor which Borrower I• oulharlud or roqulrad ta doduct from paymonts on th• lndobtadnoss secured by this typo
, al Mortgaoo: 131 a 1o_x on thb typo of Mortoaaa chargaoblo agolnat tho Lendor er Iha ho!dor of tho crodrt Agroorriont; ond 141 , a
spcollic IO>c on •II or uny port!on·or tho lndobtodnoa~ ar en poymonta ol prlnc!pol encl lntoraal mado by Borrowor, : · •
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Subsoquont Toxos •.. II 11ny tax to which thlo noctlon oppllaa Is ~noolod aubaoquanl to tho data of lhl! Mcrtgago, lhl• ovonl ahell hova
tho uamo olloct as on Evant of DolauU, end Landor may oxarclso any or eU ol Its avetrab!o romodlos lor an Evant of Dofoult 01
· provldod below union Gr,intor cllhor 111 pays Iha lax boloro It bccomoa dollnquonl, or 121 ccnlaUa tho tax ou provldad ebove In tho
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T•x~s an~ Uons soctlan un_d doposllc with Landor cueh or II auJnclont carporata •~roly bcn<I_ or othar sacu1ll'( nllslaccory to Lund or,
SECURITY AGREEMENT; flNANCING STAl'EMENTS, The ra:rowlno provlalon1 rolntlng la this Mortao110 as a aacurlly agroament era a port
ol lhl-1: M_ortgago:, · · · ·
Soctirlty l\groe-mant. Thio lnctrumont chaU conotrtuio a Soi:uruv Aoroom~nt ia tho oxtont ony or tho-Propo11y constllUloa nx1ura•, and
Landor shelf hnvo all or tho rlahts al a aocurod party under tho Unllcrm Cammorclol Coda u omondod from tlmo to !Imo,
Gocurlly lnioroai, Upon rc.quoat by Lendor, Granter ,h.·11 tok'a whotovar action 11 ·raquoatad by londorto-porraol end continua Lomior'a
, security Interest In Iha Porsonal Property.· In cddlllon la rocord!na th!a Mcrtoooo In tho real proporly rooord,, Lander may, at any tlma
and without further authorization lrom Granier, nro oxoou1ad oountorpons, ccplop or reproductions ol th!, Morrgaga es a financing
slalomant, Granter shall rolmburua Landor lor all oicponaoa lnourrod In porloct!ng or ocnllnulno th!• ,ocurlty lntorcsl. Upon dolault,.
Granter ,hall ncl rer110va, GOVor or dotoch tho Por<onol Proportv from tho Proporcy,. Upon dolault, Granter nh•ll ouomblo any Poracnol
• Property not alOxod to tho Property In u mannar1nd at a ploca rooacnably canvonlont lo Granter end Landor end moko II ovaUoblo ta
Londor wilh!n thrco 131. daya altar receipt al wrllton dom•nd from lander to tho oxtanl pormlllod b)'. appllccblo low! .
Addrouos. Thu monina oddronoa ol Gronior (debtor! arid Lendor (:ioourod. party! from which lnlonnatlon concornlng tho aocurlty
lntorosl granlod by this Molloo110 may bo obtolnod (ooch oi roqu!rod by tho Unllcrm Ccmmorclol Ccdol aro no atntod on tho Prot paao
_al lh!s_Mcrtgago, · . · · · ·'
fURTHEll'ASSUMNCES; AlTOnNEY•lll-FACT'; Tho foliaw!ng prcv!elon1 raiotlng ta 1u,1hcr muranaoa iind euornay,io-raot era a pall ~r,
this Mcrtgngo: · · · · · · ··
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MORTGAGE
(Continued_) Poge ~-
. furthor A.. uronac,, ·Al uny tlm11, 11nd from llma 10 t1ma, upon roquoat of ~•ndcr, Grontor Will moko, oxeculo ond deliver, er wni cauaa
to ho mado, oxocutod or dol!vorod, lo lander or to Landor•• doalanoo, and when raquo,ted by Landor, ceuso to be IUad, raoordad,
rolllod, or rorooordod, oa Iha coco moy bo, at D\IOh trm•• end In such olllcas and pl•cas as Landor may doom app1op1!0to, ony and ell
ouch mollgogcs, daod1 or lrusl, caourlly doed,, ,acurlly egroomanlc, financing statomontc, continuation •l•tomonta, lnstrumonla of
fur1hor o,surenea, cor1lllcatoa, and olhor documanll 01 rnoy, In lh• ■ ala opinion of Landor, ba,nooa ■ sory or doalroblo In ordar to
affaotuoto,· oomplalo, pcrfoat, continua, or proaarvo 111 Barrowar'• end Gr•ntar'• obllgatlans under tho Cradft Agraamonl, this
Martgago,· and Iha nalatod Dacumant,~ and , 121 tho llons ond socurlty lntorosls crootad by this Mongaga ns IIISI end prior !Ions en
tho Praparty, whclhor now owned or h0roof1cr acqultnd by Grontor, Unloas prohlbltad bV law or Landor aaroaa to tho contrary In
writing, Granlor sholl rolmbur,a Landor far oil casts and al<J)1n1u · rncurrod In connection wllh tho mauara rolorml to In, 1h11
porogroph; _ . . . .• . . _·_. . . .
Allornoy-ln•Foct; II Granter lolls 10 do any al Iha thlnas relerrod ta In the prccodin.9 poragioph, Landor moy do,,; for ond In Iha noma
, al Grenier and ot Grantor's axponso, for such purposoJ, Gronlor horoby lrrovacably appoint, Landor u Grontor'a atlarnoy-ln-fact far.
tho purpaso ol making, axocutlng, dallvorfng, filing, recording, and dolng all olhor things III may bo nocoaaory or do11/ablo,· 1n londor'c ·.
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solo oplnlan; to 11ccompll1h Iha mottora ralorrad to In tho procedlng paragroph, ·· • •
FULL'PERFDRMMJCE. If Bor/o....;cr iin·d-_Grantai- pay all tho lndobtodnaaa whan duo, tannlnatai tho credit Una occowit, and Gran10i-
0lhorwl10 porlorm• oll Iha obllgotlqna lmpoaad upon Grontar under th!■ Mortooaa, lander shall axocula end doUvar ta Granter e 1ul1abto
aotlolactlon of lhta Mcngogo and oultoblo atotomonts of tormlnatton of any nnariclng atatomont on nlo ovldonclng Landor', sacurily lnlorast.,
·. In tho Rents and tho Par•anal Praporty; Grantor will pay," If pormlllod by oppllcoblo low, ony_raoaonoblo to1ml11al!011 foa ca dotormlnod by
Lender from tlma to trmo, - · · ·
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EVENTS OF DEFAULT, llroniar wlll bo 111 daloult undor this Manoago II any of Iha iollowlnii hoppan: · IAI Granier commit• lraud or mokoa ·
a m0101!0I mlstopronntotlon at any tlma In ccinnoctlon w!lh th• C1odlt Aaroomcnr. This can Include, for oxomplc, a falso sutomont about
· Darrower'r or Granl01's lncomo, assau, llnblllllu, or any othor ospoots of Borrower'• or Grnntor'a fli;ianclal condition, IBI Borrawor dcoa
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not moot tho ropaymcnt torm• of tho Cradlt Agraomoni. (Cl Granta1'• action or lnaollon advoraoly arroct1 tho collalarel or Landor'■ rrahts
In tho collatarol; This can lncruda, for DllDmpla, lalluro to malntnln raqu!rod lnsuronca, wa■ la or dostruoUvo u,o of tho dwc!Ung, lil!fura ta
pay taxu, death of elf paraons Uablo on tha account, lronslor of tltlo or solo al tho dwolllng; croatlon of II sanlor !Ian on tho dwolllng
wl1ho111 Londar'a parml..lon, foreclasuro by the holder of anolhar Uon, or Iha vao ol runda or Iha dwoTilno forprohtbflod pllrposoa, •
n!GHTS AND "itEMEDIES ON DEFAULT, Upon tho ocourron~n al on Eva~t ai Default and ar any i1~0-1horaor11ir, Landor, 01 Landei•s option,
ED
may oxorcl!o any ona or moro of Iha lollowlno right ■ and romodlor, In 1ddltlon ta any othor rights or romoc!lor provl~ad by law:
Accelerate fndablad11010, ~ondor ,hall havo tho 1!9fit ot 111 option without noUco. la Granicirta d0cla10 Iha onllio lndablodnoos
lmmadlaloly dua end payable, lnoludlng ony p1opaymcnt panolty wMch Granter would bo required lo pay, ·
u·cc R;rnodla1, · with ro~poct to oil ~r any pail of lh~ Pa·r•anol Praporly, londor ;hall havo all tho rlahts ~~d ramodles al a iiocurad
0
pony undar tha Unllorm Coll!morclal Code,, · · . · • ·

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• Appoint ni.ccivcr, Lendor shall hava tho 1!9h1 lo havo Dracolvor appolntod ID toko ponosolan or, cir or anv part of tho Ptopany, Wllh
1 Iha power to proloct and prasorvo Iha Proparty, to oporata Iha Property pracodlng foroclonuro or solo, and to calloct tho nonls from
tho Proparty end opply tho proooado, ovor and abavo Iha cost of tho rocclvor•hlp, agolnst tho lndcbladno,s,. Tha rccelvor rnoy servo
. without bond II pormlned by Jaw, Under'■ right 10 Iha appointment of a recclvor shaU axlst wholhor or not tho'appsrant valuo of tha
Property e,ccoad, tho l11dob1adna1s by a subsllnllal amount. Employmanl by lender ahan not dlsquallly a p011on from aarvlng aa 11
recolvar, · · . · · · .
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, j11dlolal Fareclosu1a, lcn_dar may obtain a Judicial ilo_croo l~rocloaina Gronioi•~ l!lioraat In all or any pa~ of the P10p_urty,
Dallcloncy Judgment. II pormlltod by ~ppllcablo law, Landor moy obtain o Judamont for any dollclancy roinolnlnsi In tho lndoblodnoia
dua to Landor •!tor •pplloallon of oll emounta rocalvad from Iha oxarolso of Iha rights provldad In this ooatlan, · •·
In
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Tannnay DI Sulfcriinaa, II Gr~ntor romolns pm~a'a!an of tha Propa11y ollor tho Propaity j; sold aa provldod obovo or Londor
· olhorwlso bocoma3 onllllod to poseaselon al tho Prop orly upon default ol Grantor, Granter shell bacomo II tenant at ,ullcranoo of
Lander or tho purchoear al Iha Propony and ahall, ot lcinder':i apllon, clthar· 111 poy a raasonabla rental for tho u,o of IM Prapony, or
(21 vaoato tho Proporty lmmodrotely upon tho demand of Lander, · · ·· · · ·
Other Remedloo, Landor shell hava ,n other rlahls arid roinodlos pravldod lri thl1 M01111ait0 or Iha Cradlt l\graan,ant or avollobla 111 iaw
or In equity, ·· . · · _ .
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Sola of Iha Property, Ta tho aJCtcnt permlttad by oppllcoblo !Gw, Borrowor.and Grontar horoby woivo any and all right to have tho
I .Proporty marshollc\f,. In exercising Its rlaht• and rarnodla,, Landor aha If ba fros to aoll ell or eny part of tho Proporly togathor or
.,I Gaporataly, 111 ona BB!o or by eaparoto solos, Londor shall ba onllllod ta bid or nnypublla sala on all or any portion of tho Prop_orty, ·
I . Nollco of Sala;· Landor WIii glva Granter rcuanoblo notlc~ of tho time cnd ploco of any publlc ,ala of tho Paraanal Property or of tho
limo alta(whlch eny prlvata nlo or othar lnlandod dl1p0alllon al the Para anal Property I• to ba mada, · Rononoblo nallao ,hall maen
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notlca glvan at loaJt ton 1101 doya bolero Iha time or tho aelo or disposition, Any 10!0 al.tho Porsonal Proparty may b• mndo In
conjunction with any 10!0 of the Rael Proparty, -; · ··· · · · · · · ,
Elaotlon of namedlu, All of Lendor'• rights end 1emedlc1 wlll ba cumula1lvii and may bo axorolsod olono or togothar, An alocilan by
londar to chooea env ano ramady wnt not bar londar. from udno ony 01har ramady, If Lendor docldo1 10 upond monay or to parlarm
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•nv al Grantor's obllgollona undor Ihle Mangaga, altar Groolar'a lollvra to do ,a, that decision by Lander wlll not •ffacl lander's 1i9ht •
to docloro Grontor In dafaull and 10 01<orclsa Londor'o romodloa, · · · · ·· · • .. · ·
Allamoy,• Faas1 Exponoaa, 11 Landor ln•tltut01 any- eult or a~tlan. lo cnfo/ca any of tho lorms al thb Mallgcgo, Lcndai shall ba
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onllllad to rocovar ouch aum aa tho court moy adJudoa rononabla as ollomays' fao:i at trl•I and upon any appeal, Wrnllhor er not any
court action lo lnvolvad, end to tho axtant not prahlbllod by Jaw, ell roaaonablo axponsos Landor Incur, lhal In londar'1 opinion aro
nacusory at any time for th• prolocllon of 111 lntoroat or Iha cnfo1cemont 01111 ifoh11 ehall b1como B part of tho lndobtodnass poyablo
on demand and •h•U boar lntarael at tho Credit Agroemont rota from tho data of .tho oxpondlluro until rapald, El<pon1a1 oovarod by '
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Ihle paraaroph lnoluda, wl1h0u1 llmlratlon, however sub)cct to any llrnlls under appllcoblo law, Lendor'• ro01011abla allornaya' (D01 and
londer'a ·logal axponsas, wholher or not"thoro la o lawaull; lncl11dln9 rauaneblo ouomoyo' faoa and axpcn•as far bcnkruptay
proceadlnas (lnolud!na olforto to modlly· or vooota any outomallc otoy or lnlunallon), oppaols, and 011y nntlclpotad posl•ludgmanl
collootlon soiv!cau, tho coot cf aocrchlng rooards,. obtaining tltla, report• l\neludlng faroclo,ura roport1I, 1U1Yoyor1 1 raports, emf 1
opprolaol loDD and llllo ln,uro11ca, ta tho oxtonl pcrm!Ucd by applfcoblo low, Gr•nlar o!,o wlll poy any court 00111, In addlllon lo ull
other sums provided by law, · ·· . · · ·· · ·· · :
tlOTICES, Any noliao roqulrod to bis glvon undor this Martgago, lnaludlng without llmllallan any 1101!0°0 of dofoult and oily nallco o'r aala
' ah•ll bo glva11 In wrltlno, and ahaQ bo olfoctlve whon oc1u1lly doITvorod, when actually racolvcd by tololacalmllo (unloaa otharv1!1a raqulrad
by lawJ, whon dapo:llad with a nellanoffy racognliod overnight cavrlor, or, II maUad, whan dapooltod In Iha Unllod Slaloa mall, as nm
0!1ur, cardlfad or roglstorcd mall po,t•aa propald,· dlroetod ta th• addre1101 1hown noar Iha bgglnnlno or thla Mortgcga, Any parson may
• oh•nga Ids or har addrou for nollcoc vndar th!, Mortaoao by 0Mn9 wrlllon natlca to Iha athor por,an er persons, specifying thcl tho
pUrposa of tha·nallco la to chonga tho poroon'a addr••••! Far natico purpose,, Gr•ntor egroa, to kaop Lendor lnlormod o\ all tlmoa of
Grontar'a ourrant addrau, Unless athorwlsa provldad or roqulrod by low, If there Is mare then ona Granter, eny notlca olvon by loridar to
ony Grentcr Is d~arnad lo ba notlca given lo all Granter,, II wlll bo Grantor'• roeponslblllly 10 toll tho othor, cf tha nolloa from Landor.
MISCELLANEOUS PROVISIONS,. Tho ,~110v1ln9 mlscollanoou~ provlalona dra a part or thlo M01lgogo1 . . . . .
Amondmant■, .What 1, wr!Uan In Ihle Mortaaga •nd In tho Rolatod D00umon11 la Grontor'a anilra ogroomonl \'lllh lander concerning
I the rn1111rs covarod by lhls Martgaga,. To ba clfoctlvo, any ohonga or cmandmont 10 this M01111oga mu,t ba In wrlllno and must bo
I slanad by whoever will bo bound er obllgatad by lh~ changa or a·rnandmcnt, ·
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,MORTGAGE
, (Continued).' Pogo 5,
captlo11 }{oai!in11•• C1plion handing, In 1hls Mor1goga era for convonlonca purpauoo only and or• not 10 bo ueod 10 lntorprat er dol!no ,
tho provldons cf thin Mortaaaa, · · ·· · · · · · · ·· . · · · ·
· Govo111lno Low. Thia rnarraaac.wlll be gavornod by lodcral law appllcabfo 10 Landor and, ·10 uio oxtoni nol pr•omptod by Jodoraf.l:iw,
tho lawo of tho Slalo of Florido wjlllaul regord lo ii• 0011ITToto of low p1ovf,lon,, Thi> l/lortgoaa has boon pooaplod by Landor In !ho •
Slota of Rorida, · · · · ·· · · · · · .. '
' Cholc:i ol Vanuci, fl thoro is a loweult, Grantor agrcci upon Landoi'; rcqUD$l to submli io Iha (url~dl01ion of Iha ·oourlt oi Mloml·Dodo
. Coun1y,' Slota al Flori~•• · ·· - · ·
,, , Joint and Several itablllly. All oblrgatlonc of Dorrowar ond Grontor under lhls Mortgago choll bo Joint und iovoral, and all rofaroncaa to
! Grontor ,hall moon oooh ond ovary Grontor, ond ell raloroncoa to Borrowor shall moon oach end ovary Borrower, · Thia moans that
oooh Borrowor and Grcntor algnlno below la raaponslblo r~r all ebllgallons In lhli Mortonoo, · · · · · ·
No Waiver by Landor. Granter undoraionda Londar WIii not oiva up any cl Londor'a ·rlahto under this Mortgago union Londar dooo ao
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In writing, Th• !act that Londor dol~ys or emlls to oxorolsa eny right wnl not moan lhat Landor hes given up lhat right,, 11 landor does
, ogroa In writing to glvo up ono of Landar's right,, that dooa not mean Granter wm not hovo to comply With tho othor provlalona or thlo
Moito~oo; · Granter al,o undoratanda that II Landor dooa oon,ant to a roquost, that does not moan lhat Grantor wlrt not hava to got
· Londcr'a connnt ogcln rr Iha allUatlon happana ogafn, Grantor rur1hor undarstands that lust bacouso Lendor aonsanls to ono or mara
ar Grantor'i, roqunto, that doc~ not moan Landor wlll ba roqulrod to con1onl to ony al Grantar•a (utun, roqucata, Granter walvoo
pra,antmonl, dcmond for paymont; prolcat, ond nollco of dlahonor, . · . ·
a
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Scvorabltlly. ii i:ourr llnda that any prcvlalon oil thlp tionoooo Is not valid or ehould not bo onlorcod, that fact by ltsolf wDI not moan
that tho rust cl this Mortgobo WIii not bo valld or unforcod, · Thoroloro, a court wlll an!oroa tho rest al tho provisions cf this Mortgogo
ov~n II a proylslon al this Mortgogo may ~o found lf:> bo lnv~lld orunonlorcooblo, · ·
Morger,. Thare'vhllll ba no morgor of.tho lntorcst or ostata croatoci by thl1 Mortoaao with any olhor intoroal or oatoto In Iha Propony
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ot any tlmo hold by o! lor tho banolit of Lendor In o_ny c1p1clty1 without th• wrtttan 00n1ont al Lendor, · . ·_ ·
Succci11ora and A11lgn,, SubJoct to any llmltc1l0113 21atocl In lhls Mortgogo on tronaror al Orantor'a lntoroaf, thla Mortgaga ahotl ba
binding upon end lnuro to tho bonolll al tho panics, their auccoaacrs and eaalgn,; U ownarahlp ol lho Proporly bocamoc Voctod In o
porton othor lhan Granier, Londor, without noUco lo Granter, may deal with Grantor's succossarii with rolorenca to this Mortaaou and
ED
lho lndobtodnoca by way al lorboaranco or oxtonsl011 wl1h0111 rolooslno Granter from tho obllaa1lons of 1hlo Mortaaoo or Uobl/l1y undar
,I Iha fndcbtadnoss. · · ·· · · .• · · ·
limo fc or' tho Eucnca, Tl'!'o Is al tho occonca In tho porlorma_nco of thin M~rlgogo,
Wahri Jury, Ari'partic, to thla Marlgogo hereby wotva lho llght to riny fury 1rlol In any action, pracaodlng, or counterclnlm brought by
any party ogolnslDny othar party.· (Initial Hora · ' I - · · · · ·
DEFINITIONS. n,o rotlowlno wafds shall hovo th~ lollcwln~ moanlnoa Wh•ri lmd In this Mortgoao:
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• Borrower, Tho word "Dorrowcr• moans Louronco Schnoldor' and lncludo1 oil aci,algnora end 00-makora signing tho Cradll Agreomant.
and all tholr 1ucco1101c end oaalgna,
Credit Agraomont.. Tho words •crodlt Agroomont• moan tho crodlt, agreemont daiad 'July 28, 2006, with credit. limit· of
81,500,000.00 from Dotrowor .to Landor, togathor with .ell·ronawal• of, exlon•lons of, modillaatlons ar, ror111onolno• of,,
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,con1olldotfon• or, end 1uba1ltullons for tho promissory nota or oaraomonr, 'l'ha llnel maturity data ·or tho Crodlt Agreomonr 11 July 2B, ·
201B, NOTICE TO ORANTOR: THE CREDIT AGREEMENT CONTAIIIS A VARIABLE INTEREST RATE~ .
E'nvlronmcintol Laws. ,Tho wards "Envlronmontol law.c" moan ony ond all 1tato, radorol and loool iitoluloo, ragufollon1 end oidlnanaoa
relating ta tho protaollon al· human hoallh · or tho onvlronmont, fncludlng without limllallon Iha Comprahrnslvo E'nvir~nmantel
Ra&ponao, Companaatlan, end Uobllhy Act ol 1080, au omondad, 42 U,s,c. Section 9601, ot eoq, ("CERCLA"I, Iha Suporfund ·
ER
,Amondmanti and /loauthorlzatlon Act al 1988, Pub. L. No. 90•489 ('SARA •1, Iha Hazardous Motorlal1 Transpbrtotlon Acl, 49 U,s.c•
.Saclion 1B01, al seq,, tho Rosourco Conaorvetlon and Reoovorv Act, 42.U,S,C, Section 6801, ct nq., or other appRoablo s1010· or
!•f er•llows, rut~,, er rooulollonaadoplod pureuent t~r•!a• · _· . .. . · _ _ .. ·
.Event of Do!ault. Tho words "Evont of Default" maen any ol tho ovonls or du fault set forth In thl, Mortg•gc In thu ovonts of dufaulr
!oc1l011 ar thlo Mortgage,
.Oran tar•. Tho word _.Grontar• moon a Louronco Schnolclor and Stophunla Schnofdor. ,
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Houm!ou,· Subi.tanco~. Tho wordo ~Hozerdou1 suii,tancas• moon metorids lliot, bocousa · er tho!r quantity, concontrallan or
phy,lcal, chomlcel or. lnfocllous characteristics, moy couso or poso a prosont or potontlal hazard 10 humon hoollh or tho snvlronmant
whon lmpropo,ly Usod, troetocl, storod, disposed of, ganorolod,. monufoc1urad, 1r1111portad er othonvfao handled,. Tho ward:
"Hnordous Subatnncoa• oro used lri their von• broadest ecnso and Include wlthout·Umltollon ony·and·aU'hazardou1 or toxic
A
· aub;tancn, motorial, or waato oa defined bV or Pstod _undor-tl\o Envlronmontal Lowa, Tho term •Hazardous Subatonooa• also
lncludoe, Without trmltation, potroloum and potroloum by-products or any frcotlon thoreor and aoboatoe, .
lmpiovornonts. Tho word "lmprovoments~ moons all oxlstlno end futirro lmprova~ont;, buPdlng,; alr~~lures, mobllo homos atnxod en
Iha Root Pr~porty! facl1ttiC11, oddlllons,· roplacomonta end athor ·conell\lollon on lho Ruel Proporly. ·
T
lndobtcdnc..-. Tho wo;d "lndoblodnoss• moana eP principal, fntorosi, iind cthor amount,, costs end oxponns payoblo undor· 1ho
Crodlt Aorooment or Rolotod Oocumonta, tooothar with all ronawel1, or, oxton.ron, of; modlflcoUoni: al, consollclctlons cf and .
aubJtltuUons for th• Cradlt Agroomont or Related Oocumen!, encl any omounli expondod or cdvonood by Landor to d!echargo
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I · Grentor'o obligations or expon,oo Incurred by Lomlor to onrarco Granter'• abllgotlon, under thlo Mortoooo, togothor with fnloroat an·.
I ,uch omaunts us provldod In thlo Motlgooa, · ·• ·
Landor, Tho word "Lcndai• moan2 Bank al Coral Gobloo, Ila auocosaora and 11ulami; ,Tho wari:ra •.succanors or assigns• moan any ·
pouon or company that ocqulroa anv 111101111 In thii Credit Agrcamcnt._
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I: Mortgaga. 'Tho word "Mortgogo" moons thls Mcrtgogo botwoan Granter end Landor;
Personal Prop~rty: . lha· word~ "Po~oo~cl Piop-orty• moon ·011 oqulp,;;ont, llxtuia,, onci aihor ortlcics oi poraonal property JIOW or
• ' horooltor·awnod bV 'Gro·n1or, and now or horoollor ollachod or alllxod to tho Roal Ploparlv: tagothar with alt ocoeoslona;pons, ona. •
· oddlllona to, an roplooomonts or, ond oil aubatltutlona for, any of ouch proporty; and logo\hor With otf prooaudo (lnoludlng without.
llmltallon on fnsuronca procoodc and rorund■ of premiums) lrom eny ulo or otherdlspas(llon of tho Property, · .
. Property,. Tho weird "Properly" moono ccllactivoly iha Ra•I Pri>porty rind tho Pors~nol Property. . . . •. •
~••I Propiuty." Tho words "fl••l Praportv" moan tho raal propa11y, Interests a'!d fight,, u rurihor do~orlbod fn this Mong ego,
Rolaieil Dooumeni,. Tho words "Rololod Oocumonti• maori an promlaaory notn, crodlr ogroomonts,' loen n11room~n1.s, rinvlronrnontol
aarccmon1s; guarenllaa; aocurlty Dijroamonta,- mortgagoo, dood• al trust,· ~ocurlry doodo, collotorol mortoogoo, and oU othar
-lnstrumont~,.~groomonte and documonta, whothornow arh.oroaftcr el\lsllng, oxacutod In aonnocllon with Iha fndobt1dno,1,.
I
. Rania •. Tho word •nont•· nioana all praso111 and Mura ronis, rovonues, lncomo, biiuoa, royohtos, pr;111,, and other bonollta dodva·d
(ram tho Pro pony,. · · · , · ·
I,
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I•
;
r·
.··-- ----
, . ,...
MORTGAGE
(Continuod)- · Pogo 6
·•
.I EACH GIIANTOR ACKNOW~EDGES
.
TERMS, . HAVING
.. R£AD . . THE
. . . Ali. . . PllOVlsioNs OF THIS l'.iofrraAm,, AND
. EACH ORANTOR
..AGREES TO ITS'
GllANTORI
:I :._ ~-
:x...,....__.,,...,,--,,...,...--------~----~----
Lauranc.-schnc1du
PY
. Stoph•nlo Schneld•r
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INDIVIDUAL- ACICI\IOWLEDGMENT
ED
STATE OF /dP&t.711/:
coiJIITY OF --~ Ae ~
mo ~.J/.. day
ai_·_:--r-""';f.'"' .-rJ~a.,,_,__-,______,: 2ocr (;
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Tho r~reooi~g lnclrumont was acknowledged bafora 1h11 .,1
bV Lau~c,noldar and Stqphanlo Scllncider, who mro porsonallv ~nown to mo or who hovo PIC\duac'd_~iU=··=o""µ.~-o~4-----
=i;>ll,~ · ,1,(!UM,,tA - · u ldentlflcnllan and did/ did n to~a
o4n ~
o \ e~~ .
~
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¥&'f$frioAc_1cnowlcdoll1antl
:"'TMY PUDUC-Si'All! OP FLORIDA
_ld1. Morag R. Alexander .IN•m11 or A•knowlade•r Typed, P1lntod or Slomp!dl
ER
t§7Comm!sslon #DD524lPS.
Expires: MAR. DJ, 2010 ITllfo er flank!
· ~ndcd 'lhni Atlant!c JlondL1& Ca~ Jnr.·
(S01111 Numb01, If anyJ ·

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- ;...._ --·---·
.,
,.
Realdenffal Lease fur Slngle Family Home or Duple x
(FOR A TERM NOT TO EXCEED ONE YEAR} f.Q FloridaRealtors•
A SOX c:J) ORA 13t.ANKSPACE L-.) INDICATES A PROVISION 'Mee
PARTlfS, A CHOICE OR DECISION MUST BE MADE BY THE
THE U!AU IMPOSE$ IMPORTANT LEGAL OBLIGATIONS. IIAANY RIGHTS

GOWRNED BY CHAP1l!R 83, PART ff, RESIDl':HlW. LAHPLO AND RESPONS!BUJTIE8 OF THE PARTIE8 ARE
RD ARD TENANT ACT, FI.OltfDA 8TATIJ11$. A COPY Or TI£
REStoeHTW.. LANDLORD AHO TENANT ACT IS ATTACHED TO ms LEASE.
1. PARTtES, Th&J In a l6ll&e {1he •t.ssse") between Laurence Schneider. 360 E. Coconu
t Palm Road, Boca Raton. FL
(nal'IIO and ~ iii ll\llmtr al thD ~
PY
_33_4_3_2_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _("Lsrnl1ord"}end
Jeff Herman, 17730 Wagon Wheel Drive, Boca Raton, FL 33496
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-~--E- roal_A ddtass
__ : --z-~-r.t--~-@-:~-,w-n~-lk:. . . . -~-~-·n-·-,fa-c~---£"Tenant").
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Landlonf• T•hon e Number: _ "JJs. . , ,o - 4JJ,
ED
Tenant's 5-m\'lllAddnaa.: jherman@hermanlaw.com
TDMnt'u Tlillephond4tl!Tlb6r. (561) 518-4914
2. PROPERTY'Ran'ED, Landford lea&es lo Tenant the 1and andbulld/11g&
loadad et _ _ _ _...... .,--_ .-.~- ---
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(1111Ht eddri!:&a)
_17_6_85_C_irc_l_e_Po_n_d_C_o_u_rt,.,;;.._B_oca_Ra_to_n_ _ _ _ _ _ _ _ _ _ _ _
_ ____. Florida 33496
(dpcode)
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~ wi\!'t tho lblloW!ng fum!ure and 8 ~ (Ual ail fumlfun5 m i d ~ lrnamt, writs
llfflled, !ndudlt\Q fumlturn a n d ~ . If any, ls cded i v , ~
"):
"non&., (in the l..aa:ff, t i ' $ ~
As is.
ER
Tho Prem!Mil shill b e ~ anJy by th& Tenant end lhe fo!fowlng

C
erman: Mac Hennan·
~ lbr a mrm, ![:Qh., ;~f{Q)tnjo,n

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3. 1'ElU!J. Thi$ Is a . • beginning en _.J'l laan!.L,.lJJSjj2;:,c.O~l6'- ---- - and

~ (11'101lt11,
······ ···--- ~~-lL ~f~i: ,~~~ '.tey n1i~ ~tH( ~!l-~ 9t~if cm~
day, ywJ . . - .• ...
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4. RENT PAYMENTB, TAXES ANO CAARGES. Tonard ml pay lofal tent

In th& amount of'S7,500,QQ/®L6!Celudlng te.xes} for the
Lease Tern,. ~ nmt Bhml be payable by Terumt In advance ll'I ltmdment& or
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In full es provided In Iha options b8low:

cJ In !rnlmllmeffla. ff In lfli'ital!ments1 mnt shall be payable
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~ monthly, on Iha Ifit clay of Mch momh (If !ml bfnnk, on !he fltat mry
sJ.500.00 p a r ~ Tenant shall also provide to Landlord an officeorfor
ood1 month) In lho amount of
use during the tenn of this
lease in the property located at 3351 NW Boca RDton Blvd., Boca Raton, F'L 3343
I.
OR
D Wttdlly. on Iha --~ day of each Vfflllik Clf left bl.!trlk, on Monday of eacf1 week.}
~~
In lhe amount of s._ _ __
~'-----: -'.1'!'!' "':r----l t'-r--:;; &,_?"" '""·~cf $._ _ _

"""'
,A'lll;;;~~;cApr111s,
,.,.
;....--1 2010,
(.__J ~owle dg!f ~ of a copy cf this page, whlch hi Page 1 oft&
by Iha supreme
Court ef Florida, for UU1 uncu1rrule 10-2.1(D) of lh& Rulaa
EXHIB ITC
Tenant ahall alio be obligated to pay tam on ths rent whe n~ In tha S!TICUN
of$ -0- □ wi!h each l'11lJlt lrmtalllnw
0 Wllh the rant !'or Ul9 full klnn of the Laese. Landlord will rdfy To-nant ltfue amount of tho fBl< chtmgas.
Paytnent Summary
0 Jf rant hs paid In lnstalhmmt:B, ltlei total paymcmt p a r ~ lnc:k.tdfng taus shall bo In tftlit
amount of$._ _ _...,.
D Ir nmt!e P3Id In run, fho tobl1 payment lncfudlng ilUw&lilN!lf be In the amouSitOf I;......_ ___,
Allrontpa ymeotas hdbapsy abrllto _ _ _ _ _ _ _ _ _ _
_ _ _ _..,...._ _ _ _ _ ____ st
(nllm,II}
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- - - - - - - - . . . , . . . . , . . , . _ _ - . , . . . - - - - - - - - - - - · · (ffldblan
{fddres&} k. toundkltdatf..Mdlctd'sad!:frags;)
0 tt tho 1Snency starts on a day other than 1he fil1lf day of Iha rnonlh or week es dulgnm& d
flbove. lhe renl ehtl!I be p!t!CmlMi from
_ _ _....,.,......_ _ _ _ through _ _ _ _...,..,.__,__ _
_ Jn the amount of$._ _ _ _ end tJ'IBJI be tius
(dm)
O
(date)
on _ _ _ _...,...,._ _ _ _. (If rent~ monthly, promle on a »day ll10l'lfh.)
{dll!e}
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Tenant lhaU mau rantpaym enbl required undarthe l.efl.e by (chocaa alappbb
D Cll1hfer11 •etMc1c, or □ ofhtlr _ _ _ _ _ _ _ _ _ _ _ _ht) □ ca:sh, D :fw.k, □money cmer,
_ _ ( ~ . pemonah
If payment t s ~ b¥ ooy
meana ether lhoo cssh, paymam Is not conaldeted mads unli theathe<fnm.tment t s ~ .
ED
lrTooont makea 11 "'°' payment wftlt a \110rlhft,a4 check, 1.midto.rd t i
cn!ef, eath!er'o t:hedc. er offlc::lal bank cmn::k or □ ca'lh or other l l ~ TCN!.11t O to pay alJ Mura paymt1nts by O money
and Cl to pay bad check l'MII 1n tt» amount ors___ (11ot(~) to tiKO!led...,..,lils,...·-s-mo_unt_pmat_""'bed-.,..tiy-~.,,_,,,_...,.,.ea""".065=,...,A:l!,,,....,,ida..,.,
stab.rlb).
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15. MONEY DUS' MOOR ro OCCUPANCY. Tenant will pay the aum of$. 7(CO
occupying lhe Prom!$$$. Temmt ahaa rn,t be entlkd fo mow In or to key$ to In a.ccon.fane& with th!I .~ prior to ~
been paid. If no date h f ~ befow, titan lund$ahell be doo pliorltl Temmt
laiiremlses until tdl ffl0"6'/ due pdot' t a ~ ha
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~ . A n y fundg d ~ In this paragraph due

efter . • llhsH ~ 110 , Any ft.Inds dua l.mdet 1111s pamgmpti ahsJ be payable to Landloro at
l..and4ord't ~ or
~ w,~ r ~t ·
ER
(11
et
"'
~mon th's O week's rent plus appl~t m(M $
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~ d rsnt p(ua appllcabls tmc.- s

Atlvanca rent for □ month O we.al< of
A
plus epplc:able fax&II $ due

wt □ mcin!h'& □ wooll.'9 root pkt& sppie.sble tad3
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$ due
Secutitydepoalt $ -0- due
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Addlllomil l&Wrlly depotllt $ due

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Sactmty dtpolff for h o ~ ' ~ $ dua

PetDeposl $, due
Ottw $ due
OthM $
8. lATE FEEB. (Ccmplelo ff applleable) In atldl&lrl 1a rent, Temlllt !!Mil pay a late d\atgl'l In the
blank. 4~ af ttia mm~ tu- eadl r&n1 payme,m mads _ _ _ days aftat lfle day It It dllft amount ol $----,.,- -- (If left
(If lift blank, 5 dafB If rant Is pmd
monthly, 1 day If rent 19 pafdweekly).
7. PETS AND SMOK.lNG, UnleK ttl!s box O la ct,eclmd or a pet dapod la paid. Tenant may
P ~ . lf'fenmd may btp pete, lhe pm detlcrlbad In th1a pB111Qmph n f)ormlUedon tflEt ~
not wp pttu or anlmala on Iha
(Spe,dl'y nt.mbm' of peb, type{II'), brNd, ~ sdull ~ of Plla.J

Unle!US this bax O I s ~ . no amoldng ls penntied In Iha Pcemlmi.
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B. NOTICES..
Is Lsndford'a Agent. All IIOticd mua:t be Wit to

io Landtord _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ al _ _
.v see above. _ _ _ _ _ _ _ _ _ _ _ _ __
O
D Landlord'aAgont _ _ _ _ _ _ _ _ _ _ _ _ _ at _ _ _ _ _ _ _ _ _
_ _ _ _ _ __
~ lt'!nt:Dofd flNa& Tenantwrttfim nob of Iii dmnge. All notlosaaf'IWeh lfflffli'!:!I mnd a d d
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~ o r ~ theralollhal ba~Mld
to lhfi Tenan\'e l'Mldam::tl or. I f ~ In Wlitlng by INTonant. to any other address. All noUoa& fD th$ Landford ortiu:I I..Stldlorfl Agent
~ r l a sp,acllied above) llllll be glwn by U.S. mall orby hand deny.
ED
Aryt nob to TetU!l'lt llhd be glven by U.S. malJ o r ~ fD Tenant st th& P ~ . lfTnnent fa abfint
from Its Pmm!l!,ffll, a. notice
to Tenant may be given by kmvfng a copy of the notice atP~.
e. UTILITIES. Tensni etls!l pay for all ll!IHle8 ~ during the Leue Tenn Md ~ theirtla• and depolllts fur adlvmf.ng
exldng utny. oo,nnoc(forrs to the Pnmuaes mp; for lawn maintenance and poll maintenance • ttl6l Lsndtord ~ to
provfd,e nt Land!anfa eitpen11i (If blenk, than "NONE'}.
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10. M A I ~ Lundlord uhal! be roapomlble for o,mpllanoe wllh s«.1on 133.61, Ronda ~. and
1MB b e ~ for
~ end rap.afr of the Pmm&se$, unlem ~ abad below: (Al In each bfan.k if)ICII with '1.em:lon:r fot
"Tenant" fw Tem.nl, Ii' mfl b!aitk, l.an&ord will be RKPOndilll for tne llGm}! l..sndbrd or
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Landloldfl '~ llmdlon:ffr8mlll1 Lllmd!OllUl"eoant Landbtd/Tlllllmt

0 □ !'00& 0 0 windows □ □ scrtlOM D □ lifBps
D □ doora D CJ flocra D □ pardnffl □ □ ~wsk
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□ ~
□ l1tat1n; 0 □ plllmblng D D l1IUCtUral components
□ 0 D □ hot \lnlmf □ □ runnlngwater O 0 IOGkaendbya
0 □ &ledriOal .BfSU!m D 0 cooling O D lffilkedelsdlt:m
~
D D gMge removal! 0Ut6kl6 ~
□ □ exlenn!naffon cf ra1ll, mfe&, ~ . arda a n d ~
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□ D ~af'~naoraanJtms
□ □ lavmhhrubbefy O O pcollipa/llot!Llb
D D watat frM1men1 0 0 ftl!:!n (specify)
A
0 D ce!llnga O O lntanorwalle
D □ Ofher{~
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T&nantalr&lnoffl'y _ _ _ _ _ _ _ _ _ _ _
{ns.me)
at-- ----- -~-- -,--- ----- -
(.«ldmss)
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(If left blanlc, 4.andlon:l at Landlord's ncfrlrt:4s) and _ ___,,...,..., ,,_--,--,--- of ~anca encl repair~ .
(lniphone nt1rnbef)
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1f. ASStGNMENT. u~ tilha box □ is chucked, Tenant may not twiJgn tho l..ealle or roblea&& ell or artt psst
cf thtt Pram!AS
witttool ftmt obtaln&,g tfl8 l.att!11Mfa Wtiffan ~ and coni;ent to tho msiQ1'lmenl o r ~
12. KEYS AHO LOCKS, Lsndlotd ihall fumfih Tenant
_ _ _ # of Mia ofkays ID the.dwelllng
- - - ;\t of lMfl bol(
_ _ _ #of~e
and Tenantt_ _J L-> acro,ow!ffg!l teefflptola copy ofthllll P'lli&, whldl 13 Page 3 of 18.
ApproVed on.April 15, 2010, bytha Supreme Court of Florida, for use underrula 10-2..1(a)0ftha ~
n FlorldJl Bar.
If there hi a homl':IOWnffl' a6.IOdalfcn, Ton8l11 W!il ba provided with the following to ~ ths ~ common ~clilfea:
_ _ _ #ollmysto
_ _ _ "#oframo l8C01_n 1l_Dl:$: -,-ta----- ---------- ---------- -
- - - Mot elor;tn:in!ocarmto _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __
- - - - - - - - - - othar(~)lo _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __
Ai. end o f ~ Tenn, all ltemsllf)eciflGd In thle pamgmph shaII be reil.ttrlad to _ _ _ _ _ _ _ _ _ _ _ _ _ __
m_____ _____.,....,.,,__,,_______ ____ (ll!ll'llG)
(lf leltblank, Lend!otd atl.Jmdloro'11adcfm.1i).
(~
13. tsA!).SASB) PAIHT. 0 Chlildc and oamplate If the dws!llng was buUt befora JamJSry 1. 11378. l..aad Wamfng ~ (wher'I
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usad fn this ertfde, the term~. . . fo Lanclord' Md th0 liam1 l.ell8M refen!I to TsnanQ.
Hall!ililttg bull!bafore 1978msyan.aln ~ e d pslnt. l.m!d fnlln pain(, pa.Int chfps, Bnddult tsnPQHhsalth haz:an:falf tta1managed
prt.1parfy. 1.md mcposta8 Is ~ hllmm.i lo young th!ldn!.n mul pregnant women, Bafofa Rlf1fmg pm-1918 hotlitfng, Limora must
dladose Iha ~ of ftnawn ~ paint and/or ~ paltlt ~ frt !ha ~ l.e3118e1 mt.111 also ~ a
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~ l l y ~ pamphlet on lead ~ t n g pnwentlon.
l..essor'e D ~ (tnl!Jaf)
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( a ) ~ o f ~ paint o r ~ pant~ (checlc (I) or (II} below):
--- (I) __o_
Known !aad-has&d paint end/orJaad.baod paint hmrd5 Bm presant In the haua.lng (explain}.
ED
(li)_Q_ l..auartw no ~ e of kiffl:.l.be&ed paint aml/or ~ palnt lmetd1a In the~-
_..,,,._,_(b} Rucm:b snd mpcm ~ e t o the WWI« (cheek(!) or(i) below):
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(I) _Q_ IMeor hM prwtdud the uiweewith aD EMill!abla NGOO:fs and reports p,n11nfng la lflad-baed p!l!nt andlor
~ paint hamrds fn 1h& ltoUllng (l!tit ~below).
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(i~~LIW!Ot hall M fflpat1s or reoofda ~ ID I s ~ f)i&,t anti/or ~ paint ~ in

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(c} l.saee h a s ~ oopJe::J of all iltn'lffl'ldon limed above.

- - ~ ( d } Leese& h a s ~ the pemphlat Protect Yoar Ptanlly Frcm Lad In Your HCJffl'I,
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Agent'a ~dgrNnt (lnlfW}
_ _ _(e) ~ m:m lrrformed Che LeS50r of !he Lenot's obllgallons untler42 U.S.C. '4852d snd bl aware of hlllal'h5r ~
A
to ensure oompllsru:e.
CerHffcatlan of Acc:U!'liley
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ThB fotloW!tliJ parties hevo reviewed the fnfonnaffon ab:iVe and amlf'y, tu tile beat of th6lt knowledge, th&l fu& lnfol'lmltlon provided by
thesfg~ . ..
~
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~"'A'!--. - - ..- -
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~. lasoo's algnature ""'Date-,----
bate
14. SERVW~ If Tenant hi a mfffl'll>er of tho Unl!ed states Armed Fo~ on activa duty or slsta adMJ dufy or a member ot'
Ou, Randa Naf!on.af Guanf Unl!eti Statai R ~ Fcn:ell. Iha Tet!Mlt has rights le Larm!nale tho Luse as provfded kt Seafon
83.682, Florida 9il!Q!trll:RJ. · of whim can be found In ti)& atlachrrumt to this Leua.
and TQ.l'IMt L_} L...J acknowfodga m~ of a copy of ti114 pagfJ, whlch h i ~ 4 of 11!.
ApptoVed on A,Pflf 15, 2010, by ths Suprerrt,c Court of Florida. for UM under rule 10.2.1 (a) of hi Ru!as
14. LAHOLORD'S ACCESS TO niE PMWSES. landlonta Agw may enter lh8 PremfSBli
In tfia followlng ~
A. Af Bl1)'tlm& fer lh6 ~ o r ~ of Iha ~
e. Mer reaoiieble notica to Tentw at 1'88110nable times forth& putpOSfl o f ~ Iha Ptalnlaes.
c. To Jnspett 1he P ~ mab ~ o r ~ n ~ . ~ demtions, o r ~ auppfy
sgmed • ~ craxhlb ll1he~ t o ~ or adual pun:tuawa, ~gees
Ul'lder any of lf1a fclJowlng d~co a: . bmants, workam, orccn ~
(1) with Tflmlnt'a ~
(2) in csae of emel'V8flCYi
(3) 1Mlen T e n a n t ~ ~ ~ or
(4) ff Tanant ra ~ from the Pramlees for a period of st hNmt clMHl81f a nwal ~
cum.mt end Tenant notffitlsl Landlord of an lnbmded ab&enol!. than I.Mldlotd may IMtor only Minperiod. (If the rent Is
for the protec:6on o r ~ cf fhe ~ )
Temmt's content or
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18. HOB&0WH.ER&' ASSoClATION, IF TENANT MUST BE APPROVED BY A
f"ASSOClAttofJ•} 1 LANDLORD AND Tew« AGREE THAT THE L!AIE IS CONTINGENT UPON HOl!iEOWNERS• ASSOCIATION
THE ABSOCIAllON. AflV APPUCATIOH FEE REQU!R.!D BY AH ASSOCtATION SHALL RECEiVIHG APPROVAL FROM
□ ~. IF SUCH APPftOVAL 18 NOT OBTAINED PRIOR TO COMMENCEMl:NT OF LEASE TERM,
DE PAID BV O I.MiDLORD
EITHER PARTY MAY
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TERMINATE TH! L!:ME SY \'liRfTTEN NOTICE TO THE OTHER GIWN AT AMY mlE PR!OR TO APPROVAL BY THE
ASSOCfATION, AND IFTHE I.EASE IS 11:RYNATED, 'fi:NA.HT SHAU.. RECEM:i RETURN OF
8, IF MADE lrtfl& WA Is not termlnnKJ, renl flihall abGte until the e p ~ le obmfnedfmm fha DE!POSiT8 SPECm!D 1H ARTICtJi
~ T e n a n t ~ to UMt dua
~ In applying b" ~ ~ sntHo comply wi!Mhe ~ for
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obl:mn!ng spprovat. . 0 ~ 0 TeMnt
ma!1 pay the uamly dspotlt teqt.rirod by the W I ~ If app!lcablll.
17. USE Of THE PR&USES. Tenant Bhd use lia Premllu for nislclont!aJ purp(lA.I, Tenant shaft luwtt
exdu&lv& uae m1tf risfrt of
ED
~ o n to fllO .dwlllllng. loo Premllu shall be used aa as lo comply wtil an state, county, ~
~ - end ~ M affecting the P ~ a11d aU Niss and regulations a f ~ law. and ~ end mt
Tenal'lt msy not paint ot make IV!Y ~ n s orlmp ~to t h e ~ v.thotlt l!nlt obbllnlng~ ~ g the P ~
th!, U11'1dlon:fs WlitiM Cl'llmlm to tha
~ Ill" fmpn:mimenL ~ . unleBa HlJe box O l a ~ . Temim may
hang plctun!li and lnWlil windo w~ In the
~ wlOtoot Lancllord'11 o:inum, f l ~ Tffillnl ~ ml a:udt Items
baf'M, the end of the l.ealie Tenn and n,pm ell
~ resultfnQ from ths remolml. Any I m ~ or demlkmB ID tha ~
FI
mad& by the Tenant u.hatt become l..llrullonl'u
p!'l)ptrty. Tenant agtHS not to 1.18ft, keep, or me on Ute P~11 any dang&l'OUIS, mpf0&lvo,
toxic maten.at whkh would lncrease ti'le
pmbabny cf fir& «which would lncre11w Iha cost of munng the P ~
ia RISK OF LOSSIJHSURANCE
TI
A. LMdloni end Tenant imall lWlCfl be r a ~ forlo&I, dantaeo. orfnlwy ~ by Its own
Mglg1U\CIJ crwlllfiJ conduct.
B. Tenant aft0ttfd amy U'lfUJOJne& ~Ten ant's ~ property end Tornmfl filbl!!(y fri&unmcill,
t9, PROHJBITEJ ACTS BY LANDLORD. !.anclloni 18 pmh!bH&d from laldrtc, omaln adlon1I es
ER
~ In Secifon 83.67, Florldn

Statl.!'lel, tho ~ f l of which ain be found fn Ola slmehment to thla ~
on Uw p._
2.D. CASUAI.lY DAMAGE. fl the Ptemll!Oa are ~ or df.llfroyad other Ulan b y ~ a; t'leflilgenl
with Tenanfa amsent. to fuat ffl.e US& cl ths ~ 11 ~ a l l y lmpalrw, Tenant nmvor
wl!flln 3 0 . flbr_ths damsg& or dawction and TellMt Wi1 k m l ~ V!lC1'1ta1he ~ tfTGftl!ll\t
°'
ad:u TetW\t ptffliCll'I$
termlriato lflo Leaoo
vscateo, Tenantb not ~I-ab
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16flt. that would haw ~ due afl&r llie da&6 of 1armfna!lon. Tenant may wc:.o!o flut part
cf the PrGmlaes ~ unuablill by eta
mmage o r ~ In which caH Te11a.nt'e lf&.blllty far rent shall ba reduced by tJic fair rental wlutl of tl1D part or lhil Premlaes flurl
\¥81 mimaged «~
A
Zf. DEFAUlTSJR!MEDl!& ShDultf a party tG ttte l.aae& fd lo ~ th.sir ~b!IH& und&r

wbefher tfKW hat bffn a derautt of (ha Lemie, refor to Pnrt II, Chapter 83, enfflted Flocidaea lf10 lMS4I or flood to de!8mlltle
R e ~ Lendtol'd Md T ~ Ad whktl
a:mtakil mfomte!lon on def&ulb and mm~ A copy of flt& aorant \lf!!Sbn of fhfs Ad Is atl.nctl~ to tiia 1..B.11:Y.
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22. SUBOROINATION. The Lea11e la au'lom8tlcaliy 11ubordinste to Ula ian of any mol'fg&g;e ~
from time to limo. Iha fee title fa the Pmm!sas
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23. LIENS. THE INTl:RE3T OF THE LANDLORD SHALL HOT BE SUBJECT TO LIENS
THE TENAMT AS PROVIOEO IN SECTION 7'13.10, FLORJDA STATU'T'ES, Tenant ahaU FOR IMPROVEMem'a MADE BY
nallf/
PMM!sas et Tensnl'a mquut that the !.e4M does not allow any lfGffll to attadl to l.arullool's lnteml all parties PGlf<)rmJng Wo.r1< Ct& the
N
24. REN EW~ . llN:J L6Qe can be renawad or ~nded only by a writtoo agmement
T.nant.bu11tttt tann of n nm!JW61 or ~ n togstherwHh !he origlna! l..aaee Term may not ~donesigMd by bofll Landl«tf Md
for each year. year. A 1'tliftll leae b ~
26. ~ T!LEPHONE NUMSeR. Tenant wa. wfthln 5 btmloosa days of ablaWng telephone
W!llti:ln ~-to L8ndforo of Tenant's U)lephone numbata at thef'l'Bl'llblss.• wvkm st lhn Pranms, And
·
28.. A1iO~F EZES..In any lawsuit brought to enrorce the !.aua Qr unde r~ law, Iha part)' In
daaH flS1I- whoa& favor a ~ n t or
"5.11d . f'n1.ly tttCOVer 111W1110nablocourt costs. fndtfdlng ll'lfnmaya' ~ . from ilte non-prevailing party.
Lendtord ' · and Tcmant <--} L_j IK:fmawfedga, racalpt of a copy of thiG page, Which IIJ Page 5 of 16.
R.I..H0-3x 4 ApPOOWd co April 15, 2010, 17'1 lh9 SUpmme Court cf Florid&, fur use under n.rla 10-2.i {s) of tfWl
~t R"61
Bar.
%1. MISCet.J...AfflEOW,
A. Tlma la of t h e ~ of tho parb'mln:ce of each pm1y'a obllg611ions Ul\dir Iha ~
B. The Le8H l'hml be blndlng upon Md for lfl8 benefit of the heir&, pe1'1IOMI ~ . SUCOl!lwn, and ~
aBSfgns of Landiotd and Tenant. .ut:iject to t h e ~ ~ l y mentioned In the l..aaMJ. \Nhemwertmed,
~ &half lnefudefhe plural Ol singular and tfHl UN of priy gencferllflllfJ h'ldtld$ all apptepmne
the ~ r
c. T h e ~ eontamed ln the i..esal!I sat forth the ~ undemtllnd!ng of Iha partiesgendere. and may net be ctmnaGd ar
\emllnm!ld orally.
0. No egreement ta etcs9t rwmmdar of the Pmmlns from Tenstrt Wll1 be Wild~ !nwrltlng end tlgned
by Lllndlald.
E. All q ~ CCflCllmlnQ ths meM!ng, eJC8CUtlon, ~ o n , effllct, valfdlty, and ~
rrl the LeMe
shall be detemliood ptll'SUllnl. to the fawe of F'lorlda..
F. A ~ I I copy of !he l.eaN and any afgnalunas tmreon l!tJall oo colU!idenild fur all ~ ~ L
G, As raqultad by law, t.andlard ~ the foltowfng ~ "RA!)ON GAS.• Radon ls e f'lltUrdyIOCdll"ltng
that, ~ It hsa accumui151.fld fn a ~ In ~ qusntllJel, may ~ health rim to p,miona who am~ go
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~ to .H
over flma. l.avefB of mdon that ~ ~ s.nd aute guldalinea tuwe bean round In buBdlnQtl In Flcrtia.
!nfatmation regarding radon and JBdon taetlng may be obfafnedfinm your C0IJflty heal!h ~ Addilonal
28. BR: COMMISStOff. 0 Check and COl'nt!l&te If ~cahta. Toa ~ ~ named below Will be paid the
~ n lleti01111~ • ~ by D L.andlord □ Tenant ror J!fOCllrfng a U?l'IIIIOt for Utla tmnuctlon.
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Real Estate ~
ED
~on
2S. T9IAHT'S PERSONAL PROPERTY. TaWrr MUST INITW. IN 1HIS BOX c::J FOR THE FOLLO'MNG
APPLY. BY SIGNING THIS RENTAL AGREEMENT, THE TENANT AGREES THAT UPON SURREHOeR. ASANOONW PROVISION TO
:NT, OR
FI
RECO\IER'l' OF POSSESSION OFTiiE OWEWNG UNR' DUE TO THE DEATH OF THE I.AST REMAIN!NG Tl:NANT,
B'I CKAPTER 83, FlORlDA STA1VTES, THE LANDLORD SHALL NOT BE UABt.E OR RESPONSIBLE FOR AS PRO\/'IOEO
DISPOSffiON OFTHETEN STORAGE OR
ANT'S PERSONAL PROPERT'i.
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Thtt Lanae hll8 bBen ~ by tha parties on the dsiu lndlcatoo betow. ~ ·. .
lgoature - Data~~ ~ Jo/k,

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La ndk>rcf& Slgnstura Date

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A
Date
Tenenrs Sl{Jneture
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Dam
This form was completed with t h e ~ ot.
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Na me cf' fndlvlduat
NM"le of Btlslness:
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Addmss:
Telephone Number.
Copy cil Cummt VMJlon of Ronda RH!dentW l.attdkird and Tenant.Act. Par1 ff, Clulpt.r 83, fllorfda ~ to
Be Al:flc!Nld
Landlord ✓ . ./JI!: , ·.Tenant.✓•

ru.H0-3Jc ~ ~ F O I i e d ~ ¼o10, by tha SUpl'ilfM CoUJ1 of Florida. forU&e under rule 10-2.1{a) of ths Rulca
(__J i:u:itnowledge reca1pt of a copy of thJe IMIIJB, whlch ls Paer, Gof
16.
Regu!aUng Iha Florida Bar.
~ C$&UT~tM =::I
Early Termination FH/Uqufdm d DamagH Addendum
O l ngme, e a ~ In ttw renfal agreement, ft> pay$ _ _ _ _ _ (m umount that does net~ 1Wll monlhD' rant) aa
llquldamd d ~ or SIi e5liy 1em1flurtlon fee If I elect fo t.ennrnaie the rentar agreement Md the landrcrd wl!llve4 fha rl&ht to ~
l!l:dcil&naf rent b&yond tho month rn \!lflfcn t h & ~ Jc!ak:es l)08mm.n.
l2i I do not 8'1Tl!lft fo ilqUldated damages or an early bstmm(mn fee, and I acknowledge that fha tandford mey ~ d ~ 88
~bylaw .
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L.smloo:fa SI~
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Landlord L__J {__J snd Tcmant L-J L-J admowkidge Nlce!f;>t ot a copy of th!& ptige, whlch f11 Page 1 of 16,
RLHD-3x Rev B/14 Approved on April 16, 2010, bylhe Suprome Co1lrt of Florida, for user under rulB 10-2. i{e) of the Ru!efl
~ the Florida Bar.
FtMlda Reefdentiml Landtofd and Tenant Ar:t
PARTIJ
~ L TEHANCleS
B3.'40Sfionmle.
83-◄1~.
83.42 Excfuslom fi'om eppllcdon or part.
83.-13~ .
B3..44 Obllgailon of good faflh.
83.45 Unconlsdonsb{e r e n t a l ~ er pl'Dlllalon.
83.«:l Rent; duralon oftenmtdet.
83.47 Prohibited pl"IJUialons In l'8i'IUtl egme~
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83A&At&tmsyfelas.
83.49 Oepoalt money o r ~ rent duty ofl&ndiord end tenanL
83.50 OOldowre or l:andlord's addrasa.
83.51 lJwJ!onfe ~ to l'l'lSlntaln pmnlsea,
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83,62 Tenant'• obigatlon to ma!nmfn dwel!lng unit
83..631.andlord'a ~ to dwslling unlL
83.535 Rotation bedding ~ ~ usa. °"
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83.54 Enforcsm&l'tt of riQhfa and cft.riH; dvll llldkln; afmmd offimllli!ril,
83.65 Right of a:ctiolt fur d a ~
83.5'8T ~ofrsnl al~.
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83.57 Tmmaistlon ol~witho ut spedtlc tami.
83.575 Tennlnation of faMncy with sp(ICific dUnttlon.
83.58 ~ ; wnant hddlna over.
83.59 Right of action for ~on.
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83.595 Chofoft of remedies upon brl!lndt ar early temi!nolloo by l6nant
63.GO OefelUl8tr ta ac&n for rent or poaae1131on: prootdure.
. 83.61 Dfsbtnemt1nt of fi.uttla m~ of cowt; prompt WI! healitlg.
83.82 R ~ of ~ o n to bmdlord.
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83.625 POW\Y ro awsnf po81&1!on end entillt money }udoment.

83.63~dam ag&•
. 83.84 ~ condud.
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83.87~~
83.681 Ordsta to·erfo!n ~ ofttds part.
83.682 Tennlnellon or n.mfsl BJ1l'll00l6n1 by a eeNlcemtlfflbat.
83AI Short titkt.-Thls part ehai be known M thG 'Florida Retfdemlsl Landlord and Tenant kt:
~ . - « . 2, ch. 73-330.
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133.41 Appncatfan.-Thla part upplin tD Uta mntar of e dmlltng unit.

~ - -a. 2, eh. 73-330; 86, 2, 20, ch. 8%-&3.
Bl.42 Elum.tstotw from applkatlon or part.-Ttd.s JW1 dosa not ep,ply co:
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(1) ~ n e y o r ~ f n sfsclflly, wh.elh«pobfc o r ~ wham nmdwu:e ordef6n11on i:s mcldern8I k>tlm provision of metic:sl,
gtwmlc, ~ . ~ n g , ~ . or sfm!lsr services. Formifl&nle of a fadltylltemed undef part II of chapter
400, tha
p ~ ma. -400.0255 are the exclusiv e~ f'orall transfun.and ~ e s .
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{2) ~ under e contract of S8N!l of a dMl!lng 11nR otthe property·of which It la a part fn whk.h tM lluyef tlaa psld atl&mt 12
months' rant or In Which the buyerhaapald st rea-:st 1 momh'e reM and a ~ of at leett 15 pffl'Ol!lnt of ins pun:haria prlca of the property.
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(3) ~ ~ I n a hotel, condomln1um., motel, ~ . or lfml!ar publlclodglng, 01 tnwl&m ~ I n

s mob!.!u home
patk.
f-4) Occupancy by a hokfer of a propdehuy laese In a c o ~ ~
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(6) ~ by art DWner of s. oondomlnl1J111 uni.

f-listoty.-G. 2, Cft, 73-330; 8, 40, ch. :2012-180; s. 1, ch. 2013,,138.
81.-43 Daflnltlons.--A!I UHd In tills PBl1, Iha following 1/IOlda afld 1fifmll &llal7 luwe the foHowlng meanings ~ w.oms oth&t meaning
I& pla!Qly lndlcalsd:
(1) "Building. houmg, end heefth CtlWlf ITIBMa Sl'IY law, oro/fulrn:e, er 9ovarnmenlzd ~ ~ healttl, llafat.Y., ssnHatIM Of
.fflnn.l for f t ~ er tne conairud.lon. ma!ntsnance, ~ ~ey. uaa, Of appea1111U'A, d mr, dwolllng unR.
~
-":.f
(2)-owenngun
(a) A lltnlt:wre orrrmeM1.
of a wucture that
L...) and Ton,nt
Is r use as a home,~ . or ~ g placo
L...) • " " ' -

by one P6fflOn or by two or more~
,...,pt • h - ol.,._ ,..,. which la Pa.. 8 ol 18.

llo<id'; ~~C.1IICl0 ili
who maintain a com men houehold,
Cb) A mobh homo mrdlld by a tenam.
(c) A 8lruct1n or part of a i.truc:fure that bl fumlshed, Wffh
slHp!,ng ptaea b)' OM or mora peJ'IIOOII..
°'wtthout rant, at an .lnddl!lnt cf empfoyment forum a a home,~. or
(3) 't.sndlord" mltMtl the C1Nner or leuor af a dwellng unit

(4) "Tenant" mesna any pnon ~ lo oca.rpy a dWe!llng unit~ a rental agreemanL
(5) •~11• means a dwalllng unit Md lh& lltUdlmt of which II la a part and a mobl5II heme kit and the e p ~ fsc.!llilea and
r;Jltltlllde, area, fsdlltieu, &nd ptOp&rty hald out fer 1M US& Q:fleMnta ~ l y .
(5} ~enf' msaN the pedodic payments dull the lan:dlord from the tanaot for cccupancy under a rental agM«nent and any other psymen!a
due th& lancDotd from the tanant ao may b e ~ sa nmt In a ~ tllln1IIII ~
(1) "Rflfltal aJl.41N,!mw" msununy wrlttllfl ~ lneludlng amendtnllnlur acfdlm<fa, or am1 ~ f o r a duration of leM than 1
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Y\9&f, providing for u~ and occupancy cl pmmlaes.
{8) "Good fal!h" fnG!ilJ'Ui honasty In fact In the condoot o r ~ c:oncemed.
('13) •MJMt::la renf means moneya puJd to 1h!I landJord ID ba epplled to Mui& rent payment parlods. but does not lnck.lda rent paid rn
sdwmce for B CIJlffilM rent payment parfod.
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(1 O} "Tltlrla!!snt ~ means oa::llpancywhcm It la Iha lmo!lon of Iha pmffea lhat 1lls occupaney wm be tempom,y.
(11) "Oep0$lt ~ maan11 any nl0rnlV held by ltie l:mu:!lcrd on behu.lf of the tenant. lndudlng, but not llmltsd In, ~ daposb,
aecurtty ~ . ~ r e n t dapo!;ft. petdaposie, or any oontraGtu81 depofJI agmoo to between landlord 6fldtensnt ellhl!rln wrii~ er
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orally.
(12) •Securi!y ~ rmiam any mom,ya t'tekf by the lsndlon:I as D6dJrlty for t h e ~ oflhl.l r e n t a l ~ lndUding, .l:M not
ltmHad to, monetary damage to Iha landlord eaU&Sd by fha t&Nmt'a twach of i - prior to lhe explra!lon 1llOfl!K?f.
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(13) "Legal holltfsy' means hotldaya ~ by tf11, dmk Df the court.
(14) • ~ shell haw the same moanfng u provided In a. 250.01.
(15) "Actlveduty" we hava ft1tl 88ma mean.Ing es prow:fed In&. 250.01.
{16) •&m actiYe duty" shall havo thu BM1G mesnlng a s ~ In tJ. 250.01.
(17) "EllriV tomllnatton f9a' meana any d'large, fetJ. or fode:iure that r s ~ ror In a written rentD! ~ end Iii ~ ID e
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tenant when a mnaat ttledli to teminll:tb the rental ~ l!IS provided In the 11greemant. andwcatea a dwalflng unit before the end of
fhal'l!ltlta!ag~ An eartyr.ermlnatlon tee does n o t ~
(e) Unpa'i:i Nlnt Md other ao::ruecl ~ thmunh the end of the month tn which the hmdmi mtBkn J)OfW!Ulon oftiffl dwelling untt.
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(b) Chtirgas for damsgea to the dwaD!ng unit

(c;) ~ &ll30Ciaied Wilh a f'Mfaf ealM'llent eefflement, ~ui. buyout, or l!C00fd and~c:IIOf\ cateemant.
Htatory.--42, ch. 73-330ia.1, ch. 74-143:s. 1, ch. a·1-100;a. 3, ch. 8!M51:e.17,cn. 94-1'10; 1.2,ch. 2003-12. a.1,clt.20iJ8.131.
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83.44 Obflptfon of good faith.--ewry R!,TtlaJ ~ or duty wllJln fttls psrt lmf)OUl:ll 811 ob(lgetlon of good fdh In
llu ~ or e n f o ~
Hffito,y.-c. Z ch. 73-330.
83.48 UNmneclonabte rental ~ t o r provfs!on.-
(1) fl thu court au a mattM of law find& a rent.at agraement or ony provision of a rent&! ~ to have bcMilll u n ~ b k , at thli time l
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\ltflS ~ . lhG court may mfuae to enforc:e tho tial1Ulf ~ I , en~ ttlfl tetnr.lnder Of ttltl rental egmemont'\\ffhout tfJtY UliCUlaclormbl8
provlllkm, or Sil llmH the app6eetkm of any u n ~ l e pr0',lillfon mi to llllOld any unc:omdonabla mutt.
(2) VVilon It Ill dalrm,d o r ~ to Iha cowt hi the ranl8J sgm&ment or 8frl provl-eion themof. may be 11tlC01'11C!ons.ble, the parties sbs!I be
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~ . 2 ' T'f!S80nsble opporiunltyto ~ evioonce salo nwaran9, rele1fonu.hlp of t h e ~ ~ . end effect to aid the court fn
mflkfng th1t c:letann!nation.
Hletory.-e. 2, ch. 73430.
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83M Root; duration oftem.an~-

(1} Unltw othsfwlaa agrNd, rent la payabkf wilholJ! dermmd or notb; perfodw rent 1$ payablt, et fll9 f:leslnn!ng of each rent peyrmmt
poriod; and mm b unifofmly spportlMablc from day lo day.
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(2} If tho l'WIUlf aumemam ccmelna no pl'OYillon os to dlll'!IIJon cf 118 tsnaney, the duretkln Iii d1M81T11!ned by the periods fw whldl 1M rem
Is pay'l!hkt. If Iha l'&frt 1$ payet,le WN!dy, then tne·temmcy ls from~ t o ~ ff payable monthly, bmancy i!I from rncrdh ti, lnOl'llh; If
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~ e qtltll'terfy, W18l'ICI/ ls from quarter to quarter, ff payable ymty, U1Ml'I.CY Is from ysarto ye.or.
(3) ff t i l t ~ unlt Is l'urnls.had wlthoul rent u an fncldant of employrnont Md thar& 11, no ~mantas to the d::.!talb1 arthe lensncy,
ltll!I dun.lion IIJ ~ by the periods r« Which Wt1QC$ am p&yabls. If wages 8"3 ~weekly or mllf& frequently, then tha tanancy
111 from weak ta wook; and I f ~ are, paysbk! momNy or no~ M e ~ then the lenanq, fa from month lo momh. In 1he IMKtt
thu:I too empklyff ~ ernp(oym9nf, Iha employer Bhall be enfllf&d to lllflt fut hi pelkxl from l:h8 day ri&r the employee ceam
~ unl:I tha def that the dwelling unit ill st a ral9 ~ fll the mte chsrgad foralmlarly lliualad ~ I n the
1111!e. Tum wbsedfun wtl not opp!y to en ~~i,!r1lra resJdent rmmagarof an up.vtmmt houe& cran apartmel'll complex vmen tl"lfl!'6 f4 a
wrfflan 11\lre.amanl to th a canfrary.
Landlr
HlstoJY,:;~ 73-330; o. 2, ch. ~1- , ch. B7-1BS; s. 2. ch. 00.13.1; s. 1, ch. 83-255.
L__} and Teruint,7.}'-_..,L__J admowkufge rac:alpt of Iii copy of this pag,a, Which Is Page ril if!. 9
fl3.47 PtoMlltad ptovle!vml In mntal ~~-
(1) A IXO'Jfalon In e r e n t a l ~ ls void and u ~ fo Um extent that It
(a) Purports to waive or pnaduda th& rights, ~ or ,eqtlfMmmtB a« forth In this part.
(b) Purpom to llmlt or pn,duda any l1ablilty of tM landlord to Iha 1enant or of the tenant to the land!ord, arlslng umtar law.
(2} If IWCh B \/Old and ~ b l l ! I prollfefon Is Included In fl renlal ~ I l l entared Into, exfsndad, o r ~ after lhe ~ dllt.E!
ofl!lll pert and either party~ ac:tual ~ e, a taWlt of Ute lndUIUCm, 1h11 a ~ party may racavm thoae dam!.!gl.ltl ~
aw ttie effecllvD dam ott111a part.
fil8tofY.-e. 2, ch. 73-330.
13.48 Morney ~ uny cMi &tion brought lo enforca tho p:rolllsfons oflhe rantaf BQ!WltlMIITI ar!hla part, tne party In whote favor a
Judgmantord8Ct89 haa beeri .rendtmld may rea:11rer~ slomey fcN and court C0stlt Imm hi ~ n a pa,1y. Thfl right lo
Bl:lamey fees In thfl &eClkm may not be wsJved In e £ease agreement. H ~ , attcmay fees may not be awan:led under this aecticn In a
clalm for pemimil lnjwy d ~ baSSld on 8 braech of duty under a. 83.51. ffJalDry.-ti. 2, ch. 73-330; a. 4, ch. 83-151; a. 2, ch. 2013-138.
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131.48 Dej:mttmoney or advanc:& ,um; did¥ arflffidlord Md tanent-
(1) \t\thenever mnnay la ~ d or adllanced by a lenant on a .mnfaf ~msnt aa aecurlty fer pafannance cf the l'llOlal agmement or•
advanoa rw ror o1her lhan the nmd Jrn:rntdiate renmt period, thtl landJard or the land'lotd'a ~ ahal'I either.
(e) Hold !hi:I tmi l!fflOl.ltltof 8UCh moMY In a ~ non-t~-besnng account In e FiOffda banking lnrifution l'or tfU!l bmeit of ttia
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tenant or tenants. 1h11 f.!lncllord lhall not c o ~ rwch money. \\'Ith any alhsrfunds er the landlord or hypod,ecate, pledge, or In any
of
otfierwa'j make~ 8Uth moneyci until sud1 monaya am actually due the ltwlord;
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(b) Hdd the tofBJ li!IMtlnt gf atdJ money In a 11Spamta I n ~ 80COtlnt fn s ROl'ida benklng lnstlwtlon for the benafit of Ille twtnt
or tanents, In which caa. lM tenant ahall RI03M!I and cokct ~ In an arnoum Of at IMllt 75 p,$l'Qml of the l!MUrifimd ~ ~
m1o ~ fJ1I wchaa:ount orlnleraat at tha rats of 5 pcm:ant per year, 1fmple lnmreet, wltichawrttll! lendJo:d dad:s. 'Ina lardonf ahall
nol oomm!nglo BUCh ll11ffleYI wl1i1 any olherfl111d$ of bl landlord or hypotheeats. pl•• ot In snv other w~ maka use of sud! ITIOl'l8)'ll
ED
until BUCh ll10l18Yfi era eduaBy duathe laru:lwrd; «
(e} Poi! 11 BWVty b o n d , ~ by the blndiord a principal ands a.tntyoompsny aulhon?edtll1d llcl:uUll!ld to do buslneu. lntlie flfa!8 •
aurety, Wllh th& cleJ1< of the drt:uJt OOUtt In Ut!J aJUnty In whlch Iha dwelling IU1lt es foc8tild In the (otal wnount of ihe ucurify ~ and
adwncs nmt ha tir sha holda on bellaff of lh9 ~ orSS0.000, whichever hi Ian. Thi bond mal be ooru:fltioned UpCl1 Iha fallhful
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compianea of the landron:I with th& J)fl)Viabne ottlis edlon end ahall nm to the Govemof'fi:lr the benefit of MY tenant fnJURld by tho
kmdlonf's llloletkm of t h e ~ & of titls &eet!on. In eddilfon fo ~ the surety bond, the Wldf.ofd stw pay In ~ tool'Jnl ~ at
the ra!e of 5 ~ peryear, slrtlpla Interest. A landlord, orth& landlord's agent, engaged fn the renting of dvtefling unls Ill Mor mom
~ . wno holda depoeft nton11YB or ed'IE'lf\Ce rent M!f who f11 olherwl&s sub}eet to lt"1 pmvfalcr1$of'lh!s seaion, may, fn Sou of podng a
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~ band In uac:hc:oonty. uklct lo post e wmty bond In th& fatm Md manner prOllkfod In 1h18 pngraph wffh the office of t h e
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of stais. 11\8 bond shdl be fn the toCa1 amount at ltffl saa..rtlty ~ or &dvanc& rent hold on behaf dtenanta orln !he amoootd
5250,000, Whlchav&r la ICH. The bond Will be ~mid upon the falfhfuf c:ompDanoa oflhe landicrd Wftlt th& prOYlaion:s of lhla ~
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and shall nm to the Gowmcrfortha benefit of any feMntlnjured by the land!onfa \llolation cftlwi &edfon. In addltlM fo p04ting a $tll'l!ty
bond, fh9 landfold ~ pay IO the llmtnt h'itenm on the 116Cllrfly d ~ o r ~ omt hekl on behd of ttttd tenant et lhe 111!a of 6
para.mt peryear llmpla ~
(2) T h u ~ lhall, fnthe leaa.J ~ent orWfll'ltn 30days aiulrracelplof ~ rent era QCl.lrity dsposft, gl!IEI wnttun nolleet> the
isnant wh!c:h lm:luek!$ db.dol!U18 of lM amnoe
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rant or seeurity ~ - ~ t o prwk:llng evd-1 wrfflsn notlc:9, lfttie lsnd!otd

cnang,ea w
lho manner or foeaUon In whJch he or la htlkllng the mhram:e rant or 3GCUrity depoalt, he er llhs must notil'y lhe tenant wilhh
30 day& after the dTange au PRMded In paragniphs (aKd), Toe landlord '11 not raqufmd 1o gfva new or addltlonal nab 10161)' betame Iha
dep,osfto(y flu roorged Vtilh EU10h!f 6nandel mtflutron, changed Rs nemo, o r ~ ownemlt,lp to o1 c:ll!femnt ~ fmtlluHon.
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Thia ~ l o l l does not apply ID any landlord who mrts rewer lllan tlv& lndlvldual dwellng unil:a. F!tlue to uive thlli nc:fk:e ls note
d8mn$8 to tht1 payment of rent wh6n due. Thawrittwr nob must
{a) Ba given In fllilJ1IOll or by md to the tenant.
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(b) State the rrBm9 a n d ~ of the dllpo~whara the SCM!nt8 rent or eecurlty deposl:t fl'I being held or sbde fhaf ths lilndlon1 has
pomd a uety bond 811 provided by law.
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(c) state what.her the Conant la emilled ta lnteteet on Iha deposH..

(d) Cootsln Chi ftl!lawlng disdcsufe:
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YOUR t.EASE REQUIRES PAYMENT OF CERTA!N DEPOSITS, THE LANDLORD MAY TRANSFER ADVANCE RENTS TO THE
LANDLORD'S ACCOUNT Ni, THEY ARE DUE ANO WITHOUT NO'TICE. WHEN YOU MOVE YOU MUST GIVE THE
LANDLORD YOUR NEW ADDRESS SO THAT THE LANDLORD CAN SEND YOU NOTICES REGARDING YOUR DEPOSIT. THE
our.
LANIJLOIID MUST MAIL YOU NOTICE, 11\ffiflN 30 DAYS AFTER YOU MOVE our, OF THE LANDLORD'S INTENT TO
IMPOSE A CUJM AGAINST THE DEPOSIT. IF YOU DO NOT REPLY TO THE LANDLORD STATING YOUR OBJECTION TO THE .
CLAIM WIIBlN 15 DAYS AFTER RECEIPT OF LANDLORD'S NOTICE. Tie LANDLORD WfU. COL1.ECT THE CLAIM AND
M U S T ~ THE REMAINING OEPOS 'ANY.
Lsndlord ~ L _ ) and Tenant { _ _ J ~ o recolptol'a copy ai'thfa P#89i whlctl In Pago 10of18.
IF iHE LANDLORD FAILS TO TIMELY MA1t. YOU NOllCe', Tl-IE 1.A1WLORD MUST RETURN THE DEPOSfT BUT MAY LATER
FtlE A LAWSUIT AGAINST YOU FOR DAMAGES. IF YOU FAIL TO TIMELY OBJECT TO A Ct.ArM. 1llE LANDLORD MA.Y
COLLECT FROM TiiE DEPOSIT, BUT YOU MAY LATER FILE A LA'NSUrT Ct.AUNG A REA.IND.
YOU SHOULD ATreMPTTO INFORMALLY RESOLVE At« DISPLfTE BEFORE Ft1JNG A LAwsurr. GENERALLY. THE PARTY lN
WHOSE FAVOR A JUOOMENT IS RENDERED WIU. BE AWARDED COSTS AND ATTORNEY FEES PAYABLE BY THE LOS1NG
PARTY.
THIS DISCLOSURE IS BASIC. PLEASE REFER TO PART II OF CHAPTeR 83, FLORIDA STATUTES, TO Dcl'e.RMIHE YOUR LEGAL
RIGHTS AND OBLIGATIONS.
(3) The land!on:f ~ th& landlonrs agent rney dlaburs& advsnc:e rentu flmn ff18 depoai account ID !hit fandloora benefit whstl Iha acfvam:6
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rental p e r i o d ~ a n d ~ nallee lo the tanent. For 811 OCher dep,oslti:
(a) Upon tho \'aa!fing of !he praJmllaa f o r ~ n otthe ~ lfht wicfiofd doWl not ln!Bnd lo Impose a clefm on the nasrlty oopos.11,
Iha hlndlotd WI haw 15 days 1D rewm the aaa.trlty depod 1ogi&therwffll lllf:lnllt ff othenvlse raqulmd, er the ltud¢rd thafl hlMI 30
miiJlS to glvo the fanentwrft!&n nob by08ftiffed mellta th& tananf& last known ma!lnQ addrma ofhla or her Intention to 1mposa a cl3ltn
on !he dspod Md thD raat0n for lmpos!ng Iha cla!m. Thfl nolk:9 sha!I coniB!n a ~ In ~ till! following form:
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Thie II a nolkeof my lntsnllon ti, Jmpoge o clmrnfordsmage$ ln the amount of _upon your MCl.lrily depoatt. due I n _ . I la
18lltf.oyou aa ~ by a. 83.49(.S), Florida S1atut&i, You an, h&rebynotffltd thatyro mustobj&cllnwri!lng to fhla deducllcn from yoor
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~ deposit \Mfhln 16 daya from the tr.rmtyou recm,a Cfils no6oe or I wil b e ~ to deduct my dllim fmm your Na.llfty depctlt.
Vourobjadionmus tbaaenttalJlodigr d'f ~
If Iha landlord falla lo glw tha roqwed notia:I wflhh1 tllQ SO-day pwlcd, tie or tlt!e forlisb Iha right tc lmpova a dsfm upon !he sea.ri(y
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~ and may net 886k a Mtorf agalmt th& dopot,lt but mar Ille en adi:m forderm!1l&8 artertetl.Un of tha d&poalt.
(b)l.Jnkm !:he lMl!llt~ lathe lrnpoBH!on ofUlelandlonfa claim orth&lllf1'l0Untth&t'e0fmttdn 115dayl affat"~ offhG~a
not1ee af Intention to lrnpoM a ds1m. !he tend1om msy thGfl deduct lhe amount of hk or her dun and ehaH mrrdt the bslanca of the
~ to lhe:temnt wtitln30d&y1u1fte.r the dalD oflho notlce oflnbmtlon to fmpoM a cialmfor~ Th&~ oflhv ternmt to
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make a tfmely objec:lkln dtleanct waivG titff lf9hfs oftrn, lerlantto Hekd~ In e eeparate l'Jd!on.
(c) Holthar p0riy ~ lV1 action fn a court cf com~ juri5dfdion to edJudlcato tho party't; rigflt to the ucunty dspotl{. the
p ~ plllty wentf!Jed t o ~ Na er hercourtcoslll Jm16 s reuonable !ff l'octu or her attorney. Toll aiurt &ball advanoia Iha cause
onthe~.
TI
(d) Compllanca Wittt this HCtlon by en JndM,Jusl or bwllnffa ernity sutilorized to i:omuet ~ In lflJe ~ lndt.ldlng ~
fflBI ~ brokera 411d &ales e$$0C!a1es, ~ COl11>iance with .ill oiierl'lffl!Vant F!Orida Sfafutml ~ n g to $ecurlty d ~ held
pumuant ta a rental agreement or~ !Mdlonf.tensrn. rslatlonahlp. ~ pen1011ffGI WU look l<tfflf>/ fD 1w llettion ta dllf.tlnn!ne
ER
~ c s . Thia Mdfon pnwalls owr any conftfd!ng provlslooa I n ~ 475 end In other sedionG of the Florida SfaJutu, mid shall
ope1'fll9to peimi u~ real~ tirnktn t o ~ ~ deposits end dep,olit money wllhoot bfl'VinQ lo =mp!ywl.th tho notitlll
m i d ~ pn,'.ICliidtJrM COl1tl!lned Ins. 475.25(1){d),
(4} The ~nsofth.la.ld on donotepply tonn;tentrantalsby hotlla orJTIOfell 1!111 dllfined In cllapt&r509; nordolheyapplym thOGe
Ina~ In which the amount ofmnt o r ~ er both, la rsgulafed by law or by rules or~mi of s publle body, lndudlng publie
C
hOUM'lg ~ - ~ ! l y admlnhitered arregulab!d hoUmg programs tncfudlng

s. 202, s. 2Z1(d}<3) end (4}. a. 23a, 0t ;. 8 of !he Nmlona! Houtlna Ad, as lUmlnded, other than fornmt ~ wtlfl lh9 ~ of
~ (3), (5), and (8), I.his secffon Is not appllcsbla to holmng ~ or public how!lng ~ creeted punJW!l1ll to t h ~ 421
A
er cthar e.f1m.lln.
(5) &cepl When alhmwlsa ~ by the lelms or a 'ltlll.bm lem.&, any limfflt wtlo vaeate:S or abQndona the premillM p11or to Iha
e,q:riraiion of the wm1 l!f)CCilind In ht wrttten !E!,ue, ot any terwrt who wcates o r ~ premlaM Which Bl'& 1he subfed of a tenanty
T
from Wffk fo week. rnnnlh to monlh, quart« to qUIUl9f, or year to year, shall glll8 et It.alt 7 da)'B' wrlUtm notJca by catlled ffll!II DI'
pe!'1(ll\al dall\lery lo the landlord p,tlo( to YlllCdn9 Of abandoning 1he pnmtlMa whJdt notlOi ffiai In dude (hG adclnna WNn the~,
O
mny be roached. Fallura to gfva 6Ueh noUca afl'd relJave tl'6 blndford of the notlct ~ d paragraph (3){a) bl.I\ &hill! not\'tllhm arr/
riQht thebmantmay havato lhaMCUl'ftydtlpotitorany pettoflt.
(6) Fot 1he putpOMS Qf tfdil part, e l'61M1Wal cl an eiddl'l!1 rental agresrnent shall b e ~ a new ronlal ~~ ood any lleC!Jrity
N
depoalt camed forward ehall be cansrderad a new~ deposit.

(?) Upon til8 .tllkt or tmm;rer of tWe of the ren!ml propetty from one owner to enolht!t, or Upt)f1 a change In the das.!gnlded Nnbi1 agent. any
and a l l ~ depo,lts or advMce mnts b&lng held for the benefit af tfm ~ afulf b e ~ to the new owner or aoent, t n ~
with SllY.eamed lnseroat and with an e1XlU11'lta sceounttng llhovrin9 the arnauntn Co be cmdied to eaclh ionant ecooum. UP<)O the tranmw of
m
e.uch ftmds il:td rec:oros lo Iha !lWI owner or agent. and upon tranamltlal of. a wrtttan reeelpl therefor, lf1e irzlnsfaror Ill front the
~ ~ fn a u ~ (1} to hold eudl !JS on bohaff of the tenant. Tham Is a rabutfable pmwmpUon that MY new DWllfll' at
agerrt tea!Wed the CtJtily dapos!t from the • owner or agent; however, thl$1',>fm.lmplion Ill tlmlted 1o 1 month's rent. Thls
~~~5tfJllC US& the larn:l!otd or for a vlofatlon ct otharprov!alons offtifs ~while !n po&ae.1,81on of~ citl";oell.11 •
..,.__ _, L_J ecknowtedgD raceTpt of a copy of thla page. which le Page 11 of 18,
(8)Any perso n~ under the pl'llYbllons oh. 609.241, uni.s exdudsd by the p
~ of1hla patt, who fa& le e:omplywfth the
~ ofth!s part ah.all b& ~ to ab or to t h e ~ o r ~
n of his ot herlk:anlle by Iha OMeloncsfHolal$ and
~ of t h e ~ of Bu.a!nesa and ~ r i a l ~
In the ffllll'lllet(provided In a. 600.261.
(9) 111 Uioae CSH In whldl inteltit Is requbd ta be paid to thoielfflnt, ftta lsttdfool
shall pay dlfflcify to the tenant. orcradlt egafmt flu
CJl'TW!t month'• nint. thn 1nite,mtst dua co Iha taMnt et kmt once lllM!Jafly. However, na lrdlffll8t
lMII be due a fMlnt who wrongfully
tcnnlnatu Ilia Of her tenancy prior to tm, end of Iha rental term.
Hf:etory.-a. 1, C h . ~ a. 3, ch. 70300; td, ch. 72•19; a. 1, dt. '12-43; a. 5, dl. ~ a. 1, dl. 74-83;
a. S. ch. 74-1,1tl; a 1, 2, ch. 75-133; a. 1,
dl. 76-16; a. 1, ch. 77~ fl. 20, ch. 78-400; a. 21, ch. 82-ml; a. 15, ch. 83-151: a 13, ch. ~17; e. 3i ch. 87·195;
IL 1,Ch. 87~a. 3, ch. SB-379; e. 2.ch. B3-255; a. 6, dt. 94-218; B.. 1372,ch. 85-147;
s. 1,ch. ll8-1-4G;a.1, ch.2001-179 ; e. 53, ch.2tm-164;a. !,
ch.2013-136.
1Note.-se dion ◄, ch. 2013-138, provides lhBt 11)h,e l.qlabrm ~ that laodlorm may
have at.ocb of pmprkw!dle.ase fmms
llist comply with lha no&::e teqtllrm'l1ants of CIJffllfll lsw. ~ . for lea.au enletad Into on ar
PY
babm 0$Cember 31, 2013, a landlom
may give notJca fut confalns thedbdoaura reqlllrad In fie dlangas made by ttiis ad le a. 83.40,
Flodd a~ or the famer natie8
naqu!md tn s. 133.49. Florida Stalw1a 2012. In any EIV6nt, lhe disdOlwre mqulrad by lhls Gd rs only
required for a l l ~ entarad lntD under
Dll$ part on ontller J ~ 1. 2014.9
NotD.-Fonnet lll. 83..281.
O
83.5C ~ of hndlord's ad~-t n addlffon to any o t h e r ~ required by bwl, tho
landkln:f, or a ~ aulbmlzed to en4ar
lr'l1o a rentel ~ t o n tbs larn.Gord'; belUlff, aha!! df.sdt>Mt In writing 1D th!! !anant. et or betoni the
~ M l or fht hltwtt:.Y, the
mune and adiwst1 of 1h9 landlord or a pereon 8Uthoriuld to recelva nob& em, dcmarid6
C
fn !hit Jandlonf I behalf. The pemon ea
au:lhorfz.ed to r&eelve nalioas Slid demand& nitalns lllllhori!y unflf th& unatrt fu nofffled 01\er.vfae. Al.!
nalcas of $lJU'I nMl8I a n d ~
o r ~ ttteinw> 8hall be daBvemd 1D ti!$ lemm!'a nmience or, If apecffloo In wrlth'>g by Iha
tenant. kl eny cller ad-dl'eu..
~.---6. . 2, ch. 73-330; &. 443, ch. £!5-147; IL fJ. th. 2)13-135.
ED
83.61 l.andiord'a obUgalkm to tnalntsln prwnlciatt ,-
(1) The lf!lld!ord at &41 times during the IBnm1CY ehall:
(a) Comply wHh t h e ~ cf appb.blfJ building, houalng, and health codet; or
{b) Whsm fhefe are no ~cab!• bulkSng, hou1mg, orhel'lffh cod811, malntnfn tl'l-6 roofs.
~. doors, floont, steps, pol'dltG, ~
walbl, ~ . and al otheralrucM'al ~ ln good mpatt and capabf,el o f ~ nommlfoi't:e
FI
:a enct loadfuwr the
ptumblng I n ~ working Cl:lndftlon. Th&tandkmt, atcommenoamemt ofttu, tenancy. must.en
a.um thatlllCraena GA lmiallod fn a
reasonable concfiaon. Ttwedet, lhu landlord must repair damage t o ~ onco ennUl!ly, wttan
~ . until temllnaffoo ofihe
hltltal e g ~
TI
The lsndl!lrdbtnaf requkedto ma:!nlaln s mob!re hcnw orothen!nieture Olm\atl bytha18nalrt. lm!ten
d(ord'a ~ under!lis
~ may ho llf!tnd or modified In writing with fflflPISd to a aln~lty
home or dup1ex.
(2){a) Unlos:s ~ a ~ ln wrffing.1!1 eddl1lon to th& requlnlmenlls of ~ n (1}, th11
landlord of a dwolilng unll o&htr~
ER
a tillgl~ homa o, du~ 6hall, el ml Umea dUMlg t h e ~ . male nmzoneble ~ for.

1. T h e ~ ot ratu, r o b , ~ ant:1s, ~ g orgMfsms, and bedbugl.
Vllhan wcafon oftite ~ 111 mquhd
fonucn~ mifndon , the landklrd ls not llsbklfordllme@Gs but~I abal9 t:Mnw. ThatenMt
must t.npota rlly~ l b e p ~
fora period of lime not to 8XO!!ed4 days, on 7 daya'Wlitten not!at, ffnEICSIIIW)t, fonaxwmfnation
punwani fo fhla IWbptuagmph.
2.l.odla and~
C
3. Toedasn and mtac::ondlt!an or common Mtaa.

4. Ga1bage ~ and outslds racs~ ~ .
6. Func:6onltlg f'4cWIH forhah.fu.mg wintar, runnJng water, enit hot water.
A
(b) Unlhtl ~ aunied In \Wifing, st (be COll'IIMfl01ment of the tenancy of ti slng!&-fan'lify

m>m& or dttpJe.lt, fue loodlotd llha!J lnatati
wommg miolta demdlon dev!ce11. AI! US4'CI In Oils paragraJ)h, the tamt "lmoko ~ n devk:&" rnHrl!J sn ~ or~
d8vlc&whfch ~vfslbJ &ar &witlbla ~ofc:mn bllsUon endvmfdl II llad by u ~
~ . rna., ~Ml.lkJ al
T
~ lllo., er rmy o t h e r ~ rucogl'IWKf testin g~ U31ng IU!tiooally

~ fel:l!ng ~
(C) Nothlftu In thla part wtholtzet lh& litnant lo l8lse a nooi::ompllsnca by ttw landlord with lflls
~ OS & defene to an llc!lon for
~ under a. B3.59.
O
(d} This ~ a n IWill notaJ)ply to a mobile home owned by a tsnooL

(e) Nctimg cornalned In this subM<:tkm prohlbb the randbnf iom ~ in the rental egn1amtm1
ttmt rhe tGnoot I s ~ to pay
N
ooGt.o or ehsrgn for~e retnO'Jlll, water, fufll, oruil!ittu.

(3) ff Ina duty lmpom b y ~ (1) Is the same or greater than any duty lrnpol.;oo b
y ~ (2), the landlord'1l duty l e ~
by~(1),
(4} iha landkm:I Is not fellP(lmllbl9 It> lhe tenant undcrih!z a.ecilon for COlldltlons Cffll:ltad or c:atlllild
by lh0 ~ or wrongful Ed or
om!cMl1on of the tooMt. 9 member of the t&nant's famly, ·•r polml on the pl'l:!fflbl.B8 wflh ~ 1ellant's consent
HllfMy,-c.2,ch. '13-330;$,22, ch. 62--66: a. 4.dl. B"M •s..1,ch. 00-133;& 3,dl. 93-255; &.444.ch. 95-147;1.8,
ch. 974}5; a. 8,di.2013-1-3d
133.52 Tonant's ob!Jg.ttion tr, malnlaln ctwom -The t«umt et .al Orne.a during the t&nar1ey 81186:
(1) ~ fmpoll8d 18 by eppllcable pmvfslons of bl!Udlng, ~ and health codes.
Land-lord~ L . J and Temnt L-.) aeknowtedge m:elpt of a CJJpy of thll:I p.mg°'" which l a ~ 12 of 18.
(2) Kelp ti'1M part of t h & ~ whlth ha orw oa:upfes and lllEt4 clean and--.
{3) Remove fmm the Cooant'a dwllmtlrl uni all f;lllrbaQt.i In a dean and ll8J'l!laiy rt111ftMf.
(4) Ke&p a l l ~ lillfunHJ In ti1& ~ unit or used byth&teMl!t cfe.an and sanl!aty mtld In mpslr,
rn
(5} Uaa 811cJ operata a maaoriable manner B i l ~ . pfumblng, ~ . hllst!ng, v ~
a t r ~ g and othffl-facfiUea and
~ . fndUding ~
(8} Not destroy, d!afaca, damage, Impair, or remove any part of the pn:imllagorpn:,peny lheteltl blllcnGfnl'.I
to t h & ~ norf)$M'lft any
peniontodo so.
(7) CMduct h&'naeff or herself, and taqtdn, other parscns on 1he prarnla.as w!lh hla or her COl'lienl to ccndUd
~.
fn e manner that does not IJfll1:laSMably dlsturb ht '8nal\ra n&Jgnbots or ccltllflu!e e bm.cti of the pe:ace.
Hllricrr- -t. 2, ch. 73-330: s, 446, ch. 95-147.
83.63 Llmdiotd"a ecceaa In dwellfng untt.-
PY
(1) The tenant ahatl n o t ~ wi:lhhO&d collllM! to Iha landlord to snl6r the dlwlllng unit from
timfl to time fn order to lnapad ths
~ msle ~ o r sgreed ~ . deo:lmtlona, ~ or & n ~ ; supply
agl'Nd ~ or f.l:ldllblt ttie ct.vemng unit
l o ~ or aduel ~ ~ 1 ! ' 8 S , tananbs, W'OIUfll. CfCO!'!Ullcttms:.
(2) The landlord~ entar lhe dwslling untt at anyflm& rottha ~ o r p ~ afthe prama. To&
landlatd may en1er the
dwd!inv unit upon msonabla not!ca lo the tanant and at a ~ time for the purposa of repa!roftha pm.ml&&. " R
O
~ ndloa"
forth& ~ of repatr ls nob given et taut 12 hol.n pnor to the &nfzy, end re.u:ooabl11 time forltm puipo;e
of mpalt' llhstl b e ~
thG hoi.w of 7:30 run. and B:00 p.m, ThB ll1ndlord may lffil:tlrtha l.iw6!1ng unit whsi ~easy fer the furt!lar ~
CBi fotth In
lltlbs.tdon (1) wider any ct file followfng ~
C
(a) 'Mtlt the camrant of the tmunt;
(b) In eaae of emergency:
(c) 'Mien lh8 tananl t.alllUWOnably withholds C0llBent er
ED
(d) If ths tmmnt Is abunt from t h & ~ for B period cf titm, equal lo on&-ha!f tlltl llmi! for periodic remal psyrnanta.
ff tho rent II
aJtnffll and f:he blfflmt noUlles the laru1lord of M fnt.elrlded llbffnoa, !hen tiil!t lilndkmt may enter only IMlft
the consent cf th8 tent!nt or
for I f i e ~ orpre:se.Millcn of the premJteu.
(3) The land!ord shd oo1abime tho right of 8c:catd noruM ftto ~ the tenant.
FI
~ . - f & . 2, ch. 73-330; S, 5, ch. 87-196: a. 4, ch. 83-255; B. 448, di. 95-147.
83.535 FJctallon beddlng ~ i rntrio&mg 0n wt-No ls.ndlmd may prohibit a tenant from mfntl a
lota8on beddblg ~ ln a
dwelling unit, prov(ded tft& ~ n bedding i.ymem dost n01 tllolata applkable buldmg codes. The
tenant tmall be ~ to amy In
Ute tenant's name flotation imlui'anoe aa l a ~ In 1he fnduaby In an amount doomed re.al()l'Jab!e to prot~ Che
TI
and owner
saaJnat p a ~ itlltJry end prnparty ~ f:o the dweling unfls. In any cm,, too pollq, llhall cmTY e IOS1J ~ a fenant da!Jlla lo Iha owner of
the~.
HJ11to..y.--e. 7, ch. 82-66; 8, 5, Ch.. 93-255.
ER
au4 f:ttforcsmlffl l: of rfgh&J and dulin; civil action; crim!mil ~ right or duty declared In thm
pact ~ by clllff
action. A r!Dht« duty ~ d bydvlf don tJndM fhUI ll8d:lon does not p ~ p ~ fcre aimlnal offi3n:le13~ 1 o tho
fGUeor kmed~.
Hldory.--o. 2, ch. 73-330; a. 7, ch. 2013-136.
~65 Right of ao:Hon fOf' c:famagfl#.-lf &H!terUie landlMf or !h$tenanl fd11 lo c:omply W!lh tns requ!remonts oflte renwl
C
agreement 01 th!& part. the ~ party ffltlY ret1M1r the damagee caueed by Iha noncompfumce.
Hlatoty.-s.. 2. ch, 73-330.
83..68 Tennlndon o'f tenf:m.J ag~nt. -
A
(1) If !he landlord ma1erially fah to comply with a. 83.51 (1) or mstimal p ~ offhc rt1ntal SQn!Mtlent Yrilhln
7 rhiyu alter~ of
wrfflen notfolt b'i 1he tanunt ~ o the nonoo ~ encl lndlcst:!ng the fntontlon of Ile iananttottnnlnata the rental
agreement by
rsnon thfflwf, the kmanf may lfmnlnme the reritel ~ n t lfthe fttllum to complywilh u. 83.51(1) or llt8?rial p
~ of the te11fal
T
~ la d\19 lo aiusea beyond th& controf cf !fa llandlord and in& land ford has ll1Sd& flfld
cnntintltttl fl) l'IUlke every ~ble 4lffoc1 to
oornJCt lhe f&llure la comply, the l'Bflml agrament may b& termrnated or t&llld by !he~. ~ follows:
O
(a) If the l.mdlrmfs fel!uni ill compty randlin the ~nQ unit unteM:n!ablfl and Intl uirmnt vs~ Iha tenant ahall
not be !WJI& fa- rGnt
dllllng ~ r>azfod the ~Ing unit remains unlnhabl!sbkl.
{b) tf'ttm land!0rtra flm to complydoea not render t h e ~ u n i t ~ and fua tenant remalnl fn ~
N
. the rent fnf the

period of nanoomplfance 11hall ho reduced tJy an fl:li1l:U1t fn pmportion to lliG lou of rental value en~ by the rioncomplis,n
e8,
(2) tf ih& tenan t~ falls to oompfy wttf, 11. 83,52 or matfflla{ p('ll'Wllona of the rent.al ~ment, olh9r
than a fallura ta pay r&nt, or
reuontihlo rules or mgufsf!ona, the landlorn msy.
{a) If aueh noncotnpliatx:6 la of a natura Iha! tll(f hmatl:2aho not b!J given an opponunlty to cure lt or If. t h e ~ C>lllffiutea a
a u ~ ot continuing noneomp{lsnce wllhJn 12 . of a wrltf&n wamlng by the landlord of e 6ltriahlr Violation, dtllJl/ar a wrlttsl\
notioe to tho tenant epeclfying the !lCt'IC'01T\p5anoa .landkud'a Intent to ~ !f}8 l8fltsl agroonumt b y ~ thl!:l:eol ~
O f ~ IJ&Gf • ..... ""'1
~.
-•olb a-
• or mlflUS8 of 1ha tatld~" or Clhef tenants '~ by ~
,n _ . . , lo:we """-"•• but oro ""'""""'"'•
ad or a elJbMquent or1X>!'ltinUad u o ~
Landford L___J and rena:,,,..__..., L-J ~ d g e recolpt of a copy of tftla paflll, Wfllch &. P&ge 13 of 18.
~ . In such tNerJt. thl3 bwlord may feml£Mtl!I fuG rent al~ and th&
tenant 8hd have 7 days wm tha ds!a tll&t ht notice
h i ~ lo vacate ttJo ~ . The nab shall be lnm\lb!ltm'rtlslfy loo ~fotm
!
Youn &.dviHd tlw ywrlGMe la tennlrudad ~ Imm~ . You &hall have 7 d4yafrom
the dtlllvmy of fhls lat!Mto VIICllllffl ht
~ - Thfl uctlorl hi btken bocaue m!M:bi ~ •
(l)) lf!Wcfl ~ n e e Is of a nature thst. Ul8 tanant should be given an cpportunf
tyto curo tr. deh'srawrfflen nolbll lo theianant
~ Iha ncncamp!lanoa. l:ndudltlg a nolk:e that, WIila ncmcomp!
ia.noa la nDI comided wllhln 7 days tom the datt that Iha wrft1en
rn,lka l a ~ the landlord Bhall 1Mm!Mt&'lha rental ~ t b y fBUOll
tbe:rcot ~ of s u c h ~ lndude. but ore
not tlmled to. sc:tivfffea In contravernk,n ofihfs ltale or fh!s part llUd'I SA havfng or
J)Ol1llltlfng ooauti'lclrfl.Sd pets. glltsffl, or Yllh!cles;
~ In an unauthom&d fffl'!l'll'W or permltl1n11 Sidi pwtlng: or faffing
to keep fh, pnimmea dtan and sanftaty. If 111.lCh ~
rea.ira within 12 ~ mt notice, on evlclwn action ma, commune, wtth0ut dalhl&ting
a ~uan i notice puniwmt 1o J>S111Q!'8Jlh (s)
crlhfs~ raph. ThD nmlca Bha!lbeln ~ y lfl8 foll!fflfflQ fbmt:
PY
You rue hereby notffled t/l!l1 (die l o o ~ . Demand la hereby mads U,at
you fUlf!dy the ~ n e e wlth&T 7 • of
l"l!lC6!pt ofttlla noticet or vourfease eha!.I be doomsd len'lllnafsd mid you shell
o:mtfuct or conduct of n aimlJar Ml2Jra bs ~wlh m 12 l'TIOnttw, your tane.ncy Is ~
llacste aw~ upon w e f t ~ If this smne
to ~ wllhcut further WllmlnQ &:Id
wilhoUt ynurbelng dven enopportunl!yto aJl'8 tflO nonc:ootpilanea.
O
(3} If the tsnantfl!llla lo pay renlwhen due and thcdemul!c.onifftUeG for3 dsya, axciudlng
~ . Surnfey, end legal holidays, affs
de!lvaql of written demand by Iha fsndkmf for paymem of the rant otpolll8U lon of
C
t o o ~ . the landiord rney flBmllnafe lheredlll/
~ l.s!JSJ ~ for the putpOSe of fllffl l8dltln 3he1t be coort-obs
sM!d holldaya orvy. Toa 3-Qey notlo& llhaU contain 11 &ialamiint
1n 1 1 ~ ~ fhe fcl.lDwln{J form:
ED
Yoo are hereby nolffl&d !Mt you em Indebted lo me lo !he wm of _cloll sm
furfhe nmtand use of1he prerma ~ nfUM
msm,lm, lndug]ng ml,lnb!) , Plorlda. now occuplad by you and lh:al f demand payment
of the JMt orpota e~ of Iha preml$8$ wilhln 3
dl'l'YI ( ~ S'at!Jrday, Sunday, end'• holldays) from too dsta of ~d/lh la notlct,,
to wft on orbefoNt ltl8 day of, /Ji'All:i.,
(ltJf'tdlorrl"ft Ml'Tffl, lddt'tD fffld MMt mmilM
FI
(4) The delwty of Dia written notlc:atl requfmd by ~ n s (1), (2), BIid (3) imsff
b& by melq or delivery cf a but a,py 1henlaf or, If lne
tenant I s ~ from the p-remlaes, by leaving a copy ~ at t h e ~ - The nofk:e
mqulrement» of a ~ 1 1 (1), (211 and {3) msy
not be~l n the fffl&.
(5)(8) If tlla hlndl<lsd ~ rent with at::tusl ~ af II noncompliance
TI
by the hlnant or aC0!lptll perfarmllnce byth& tBMnt of 1!f1V

otnsr ~ of the nm\al IIOfll8ment tll8t fa at Vlltlance with !ts ~ . er If ttm
tenant ~ rant wfll IICfusl ~ & of a
nom:cmpbnee by Iha h:mdlcnf or accspta petfonnanos by the lltffl!loro of any othe
t~ of hi renml ~ n f ihat lut ~
Ulittt I t s ~ . tho landIQfd or temi.nt walvft hla ocher right to 1el1nfn4te the l'ffltlt!!
~ or to bring a civil actfon forthfll
ER
~ . but not forsny subsequent cir amlinutng ~ ~ . a

flmdlord don not W1!Ml Ute right to tunninatc the
mitat as~ or lo bring a dvlf don for ttmt nCI\Ctllnpilmo& b y ~ pe.rtfaS
rant fer fha period. ff partial rem b ~ after
postirlgtfi& notlc4 f o r ~ t . , lhe landlord must
1. Pmvldt the tan.Int wi1h a ~Jpt atdnQ tlta date and amount reeelv&d and the agJlM!f(I
upon d.9:la ll!nd balance of mnt dua blfore fling
an actJon for P011lll11Sloll;
C
2. Aaca tho amount af partlaf rant acct1pled from !:be tenant In too l1lgf6tty
of'fhe. colllt upon flllnC lhe acl!on f o r ~ ; Cl(
3. ~ a y notice reffecting the flflWiunotmt due,
(b)~klna nt.whow ish61 to ~~M adki n byfhe. landlold fQr~o noflft&
A
u n l t f o r ~ af1ha rantal ~
or o f ~ BtatMI mustcompfy Vtilhs. 83.60(2). The court may not set a date formsdle!
lon artrlsl unle-a the ~fans of& 63.60(2)
have bflen met, bu! must enter a detaultfor%lmGl'lt for removal Of the tenant wlih a writ of ~
o n to fffllc I ~ lfthvtenant
faUs to complvWah a. 83.60{2).
T
(c) T h i s ~ doaa Mt apply to thBt poriJon of rasrt ~ ~ f r o m a

rocal. ~ . ornatlonal gall{lmmsnt or M agancy of
load, fate, or nafionalf govern ment;~ . ~Will oc.cur ff an action hmi
not been lNtittbdwlthln 45 day!! rafter the tsndloro
O
obtains liChJa.l ~ o f ' l b t ~

(8) If the~ 9fll'll!fflenl I s ~ tf10 landlMcf i.11at1 complywil:tt a. 83.49(3).
~ , - t i . 2. r;h. 73-330; e. 23, ch. 62-88; 6. 8, dl. 83-151; U. T4, ch. 83-217:
N
s. 6, ch. 87•195; $. 6, ch. 93-255; 11. 8, th. 94-170; a. 1373, di. 95-141;
.~ ~., , .· , ~ 8, cfl. 2013-136.
'8157fr
. ,,.~-- . ~iloiifiitt ena"',·:·iuftnou
........ "·,•"·'-'·~ ,......... ·~ t1r···lffc jiffflt+i
.. ~.. ,..,., ..... ·• tanancy withouts "'I-"""'....
""A..u:... dute1lt>n, as defined In 11. 83.Aru.,\ or(3) ma be
i«rn!Ml&d by effh8r party gMng Wifflan nofloa In the mafll1tlf' provided fn f, 83.513(4), "TU'\.., t 'I
WI forlowll:
.{1) wtm 119 ~ !!.~ yaarJ:1:1,)'138r, by gMng not km ttll!z1 BO d.riy,(~ b
·~;~
v~n
{4}
t 'f~,-tWm=r~~~~~n:r.;.~~~«~,~~~Jfi#. ~~-~J:~d'
tha Uln!lllQl.•frcm W&II( t::I w.i&!<, by
~r to tltfl end of any annual ~;,y; ,,1:~
not lam! than 7 08)lll' noUcs poof to ftl6 end of any weekly period. H~.--1 !. 2. ch.
00; a. 15, ch, 83--2.17.
83.ffl Temdnd on of f:!W11u1ey WW, Bpsctffc dumtfon .-
{1} A~~ with a spedffc durmlon may cont.In a ~ rnqlJ!mG the
fmumt m nottfythl> IMdlofd wRhlR a ~
pmiod bem vac:&ilng t h o ~ at fhe end a / t h e ~ ~ If auch pcovillion
roQths Iha fandJM:l to notify tho lenllntwffhfn
auth notlca perlod If Iha rarital agreement wm not ho ninewad; hoWever, a runtel egmement
may n o t ~ more than eo dayg' oo!lce
tom ehr lh& tensnt or the !Mdilotd.
(2)A renlal ~ wtlh a ~ dumfun msy ptOV!de ttlD1 Ifa tanantfalla
ta glva t h o ~ no6ca be1om wca1fng I h a ~ e1
the end oflhe nmta1 agniamem. tflG 1eminl maybe liable forli~ d d ~ sa ~
In the rent&! ~ f f lhB lllndklrd
p!tlV{de:fl writleJf'I natfca to file t&nant ~ tha tsnenrs O!lllga110ns l.11\derthfl
nolffadion ~Ion contalnad In tlvi leasa and lheda
lll& tenml ~ le tmminaktd. The IMdford 1llU$I provfde IUCflwntten noUoo
tnthe tenstltwfthfn 15 daya befons the lllmt of tho
nofibtkm puiod ~ In the INH. The wtit1en notice &hall ht sflfeel, ~ arkf
a l h a r c h ~ ~ lo !:fut tenant under
11\18 ~ .
(3) trf.hs tenant Rlfflafl'III on t h e ~ wllh t h e ~ of Iha landlord after
PY
the r e n t a l ~ b a a ~
end fab tti glva ni:4loi.t required under a. 83,57(3). thfl tenant la liabta to Ula landlord
for m1 addlilonal 1 month's rent.
ff~.-- - 3., ch. 200.3-30; a. 1, ch. 2004-375; a. 9, ch. 2£113-138.
83.511 Rernodla ; tanant ~dfng CMIT.-lf lhe tenant hotds DWI and COn!i.nU81:l In po8l«IS1o
n of the dwelling unit or any pa({ lh&red anar
the ~ o f the nmtal ~ Without thepemusal'coofthe landlord. Ile tandlOfd mayl'IS00\P
l!ll' ~ oflhe dWlll1ng unit In
O
the fftlMflr prov!dl!d far In a. 83.59. The landlord may alw recover double the amount
of rant dua on the dweling unit. or any part~ .
for Che period during which Iha tenant relilus ID at.tmffldet ~
HiltDfy .~ 2, ch. 73-331:1; s. 10, ch. 2013--136.
C
SUV Right ofl.ld1cn for pcfl!IINa lcn.-
(1} If th&nmll'IJ egmemtmt fl termlnatAlld mnc! the1.flnsntdoill$ nOi weate the
llfltt as pmided m-this sec:l!on.
pmmw, IIC landloo:f may ~ p o ~ o n oflha dwellng
·
ED
(2) A lendtofd. the lmtdlon:fs ~ . orlhe landk>rd'ae£1ffll!. ~ rot
U\8 "'1naval of a tammt,lffll!fl tit In theoounlycourtofthe
ccunty wham f.118 pmrnlsea Ml elflll!!led a <XJmplafnt d!lllCt/blng fus dwe!Nng unit Stld
stating file fBcts fha! authori:at Ka tvCOlfefY, A
landlor d's~ Is not permtwd totnke enyaction otheflhan the W!laf l'ilfng of tho complalnl,
unless th& landlad'e age,ot hi an l!Hamsy,
The landlord Is ritled to the aumnwy pl'OCiKklre provided In a. 51.011, tlnd Iha
court shell atfVanoe the caUM on tM ~ .
{3) 1ha llbdloni &half not l"800'lfar~en!Ol'I of a €Nlelllng unit mcoept:
FI
(a) In an l'.!dkltt tbr ~ llndef ~ (2) or olher civil doo f:n which ths
iiiWG of rfght of pogMRfoil fl determ!nsd:
lb}~ Iha tenant hu ltlfTllfldcrelf po~n ofthecfwdingunltto U16 l!tldont,
(c:} Wheil the tenant hail abandoned the dw8llng unff. In t h e ~ of actuat k
TI
n ~ er abandonment, It ahsB be ~umedl hatthe
\anfflt h a ~ the tfm«lng unit ll'he or .i,e. is abent rrom lhe ~ w • ~ o f
lime equal to <me-h!H'the lfma ~periodic
~~.H owev er, !hi$ prGSUmptton de>et1not epp41 If Iha rent la cummtor lh&eimant h a
s ~ flw landltlrd.111 \llliling, cf an
lotend ed~:o r
ER
(d) Whtm Iha laet ~ n g lBnMI of a ~ u n i t ~ ~ . ~ Pf[lfl«t)I

mma!ns an t h e ~ rent.ls urq:,.uld. lit leffl ao
days hflV'II ~ faf!oWitlg lt1$ cfG!e of dezth, and the landEord has not been Mtffied
ln Writing of ths mlencc or a probafe ~ crot
or
Iha naml!I Md ~ a personnf ~ ; Thia paragraph doeQ not uppiv
lo lfl ct.Yeffln11 unR usoo
In COMl'ICllotl with a f!ldM!lty
«dm!n!ldemd orrtigW1ted hoollfng program, Including pmgrarn11 under L 202, o. 221(d}(3J
and (4), ~. 238, ors. a afth& ~ Houalng
Am.a .a~
C
(4) Toa ~ n g party rs enOOccl lo haw Judgment for !XlWl a n d ~ ~

r.
Hlstoty.--$, 2, ch. 73-330: t. 1, ch. 74-148; 11, 24, ch. 82-ea; s.1, di, 92-38; a. 447, ch,
95-147; a, 11 ch. 2007-136; s.11, ch. 2013-136,
83.61 ctlole& o f ~ upon bfHCh or twff bmnlrwlon by ~ -If the tenant
breachu lh& nsntat eam8i'Oenl ror Iha dwi!illng
A
unft and 1116 landlord has obtained s Wti cf ~ o n . or the lMsnt has ~ p
~ cf the dwellfng unit to ths landlord, or
the temmt hu abandoned the m:velling unlt, ltltl lwldlord may:
(1) ThMlt the t'6fTtill agreement as temliMted and mlaf,,e ~ for lib or her own
et:ttllJJ'l't, 1h8reby f ~ g my fur1har labllltY cf
T
thetanan!;
(2) ~ ~ o fthe dwa!llnQ unit for the account of the fenanl, holcffn9
the tenant liable hlr the dlffarenoo betWeen the l8!lt
O
fltipufated to be palcf under !mt rentl'II IIQ'tMIMnt and whm the landloni b able to ~
tom a ~ If the landlord rmekeil
p o $ ~ , the lamiford has a dufy lo exM:iSa good fdft I n ~
to rcfaf loo premises, Md any r e n t ~ by 1hu lendbfdu a
raiw:lt offle ~ must ho dsduc:tacl frnm tJl4 bll8.rlO& of rent due from lhs ~ For
pu,pmes of fhls aubisdlon , the !&rm 'good faltll
N
In ~ I n g to refet !ho pmndlef." l114ilt!ffil that tha landlottt ut1$lrl laest Iha same effi>1'f:a
to l'llkit tho ptl!!f1limll as ware used In f1'le lnfflal
nmial Of sf least th& Gl!l/08 effot1s 811 fha loodlonf UU!a Jn dempling fa 11W othor alml!ar rontsJ
unfuJ but doe& nat l'l!l:qU!m tfTa l8ridlotd to
glve D ~ In tooting tho pmmlHa 0001 ofher vacant dwelng &lnfls
that tho landlord OWftlJ Of hDll tho l'Mpm!lllb lilty to renf;
(3) Sland by and do nolhlng, holdl'.ng the le~ llabl'& for the rent as It o:irnea
due; or
(4) Char ge~ d9.maoes, ss provk!sd fn the rental s g ~ or en early
tem,lnaHon res to Iha fl!IMnL If !he ls.ndlon:f and tenant
h8V& ~ to liquidated dsmsQeS or~esd y.,.lrutllon roo, If the smount <lotls
not axceod 2 moolhs' rant, and If, In the cut ofan e&rly
lant!JF
~!Ion tea. the tenant la n:iqulrad lo gfve
of eerly Thia remedy la ava
L-J _.,....
e than 00 days' nolke. a s ~ In the rmtll egr&emaJlt. prior lo the propelled dale
· ff the 1tinant mu! the landlmd, at ihfl tJme ht mmal sgree111t1nt wa& mad&, 111<ik:ated
(__jeclcnowlod.., ,...,pt ol•- ollhla ...,, wh~h la Pa,.16 ol 1<
~ at fiqUfdesed damages or an estty tsnn~ fM. 11,e tenant mwit lndlcllfi1
~ of liquidated
tem1lnltion fee by algnfng a seperate ~ m fothe r e n t a l ~ contalring a pravlslon l n ~ t h damsgea or an 8mly
a folkwo(ng Imm:
? I agree. as pmvfded In the Rinl:aJ agreemen~ m pay f (en lffl'ICUl'lt lhat Cl'~ n o t ~
2 monftia'
ttmnlna1Jori fee If I &Isa to 1sl'mlnats the rental 8lgl'Nlrlenf, Md the lsndlofd waives the right IO seef( 1'811() u liquida ted~ or en eaiy
addlCianal rent beyand Iha month In
whk:ll lhalMt!rtmt ~~.
? I do not agree fo llquld~ damsgn oren early termination~. 811d I edmawledge lluit tfk!I
~ may ifflk c f ~ &:a provided by
law.
(a) I n ~ lo liquldated damages or en asdy tennlnation fee, Iha tmford ls 8flWed Co tha rant
and olhar ctwgea at::enJllld lhmugh
Iha end of !ho month ln wlidl tfk!l landioid mtak&t ~ e n of ti'la ~ unll a n d ~ f o
r ~ to t h o ~ unit
(b) ToI:11 ~ does not apply If t h o ~ fa fdUta to Uhm notlc:a&B pmvk!l!d 111
s. B:3.l575. ~.__._ 2, ch. 87-369: 11. 4, ch. 88-379: a.
448, ch. 95447; a. 2, ch. 20(18..131.
PY
83.60 Def'anaes 1oactlon for nmt or p o ~ Pf00illdum.-
(1}(e) In an actiol1 by !:ha landlord for ~ n of a e!W9lllnQ unit belled upon ~ n t
of rent or In en &ctlon by th& kwi1on:I under a
83.55 ~ to ·~unpa id mnt. the tenanl may defend upon tfk!I ground of a ~ noncompl!e
nce wtlh & 83.61(1). er may r-.e
°'
any otnerdefenae. whahlrlsg a! equitable, that he or aha may hal!u, lnclud!na 116 dsl'nll:
83.64. The landlord must be 9MH1 an opporwnitytoCllll! a c:lefidsnq, Ins noilce or ln the p!sadlnga
!lad~ c:;oncluct In ~ c a watts.
befoftt ~ of the action.
O
(b) The defense of a malW:laJ noncompliance vdll a. 83.51(1) may ba l'lillled t)IJ lhe t4nent
lf7 dsya NMJ alapad der lhe dellvmy of
wrfflen notice by file tenant In Um landlold, ~ Um noncompliance a n d ~ Ui$ fntentfon
of the tenant not to pay rem by
IUIIM IMtnef. Such ntJlk:e by lho tenant may be given lo the lsndlon:l, Iha fan,dlcrd'a
C
~UY e n d ~ p!.ll1!iUa!'lt to s. 83..50, a
mkf11111 manager, ortiM! pm01i or entity who colf«:la tha rant on b&fmlf of t h e ~ A ITllrierlal
noneompiance wfih s. 63.fi1{1} by U!e
Jsndford II; 1:u:omplitadel&nse 1o nn action far~ba udupo n nonpaymant.ofnmt, and, upon h8lll'lng.
the court crlheJIIJY, as the
can may !>ft, eh.an ~ U t a ~ lf any, Ir/ Whkb th& hlrll la lo ba ~ to mfl&et th& dlmlnUlkln
ED
In value afthe ~ unit
dmina the pariod (If ~pllan ce wfth a. 83.51(1). Mtr col'tflldetation of all ofll81 ~ lwffla, <ho court llhall e n t e r
~
~
(.2) In en eclfon by th& landlord for ~ ! t i n of a dwd'ng unrt. If Iha tanMt ~ any ~ a
Dth11rttmn payment, lncludlnt1, but
not l!mlled 10. 1he d ~ of a ~ 3-day l'ltlllee, tbs~ .hsll paymto ths tetgkby of
the oourt tfl8 lllU:l'Uad mm e a ~ fn the
FI
amtple.lnt or a & ~ by tile- court and !he mnt thatat:erua:1 wiring tha ~
of tfle ~ . when due. The datfc lif1ill
no!lfy the teinont of sud\ requltementln the oommoru.. FDlumoftl»t&nanl to pay the nmt lnlo
thenigklbyofffia CCU!tortofis a rnofkln
todati!!ffl11ne the amount Dfmnt to be paid Into Ula flllg'lff1ry wlrhln6 dnyz. ~ &itl.ttd«VU,
Su:ndcys, and hlgal ~ darlha
da!s of BaM08 ofpro,ceu ~ m'I ~ waiver of lflO te,nanra ~ other than psymenf.
TI
antf t h e ~ l s ~ to.&n
IMIMdlafe dofilull Judgment for temWal oflha tenant With a writ o f ~ " to mua wtlhOut fun.horn
~ orhetrlng fttlffll(lfl. ff s
motkin to d&termfne rent b filed, ~ In support ortha llflegallon that the rant a. ulkilgfld
fn tha compla{nt 11 In ertcr fa
requfred. Pubffa houamg ~ or f:enm'IIB ~Ing ntnt 1 ~ SM required l o ~ unfy lltet portion
of lho l\.dl rant forwhlch
ER
thoy sra ~ b l e p\ll"WStlt to the fedfflll, a~ or lcaaJ program fn which they am partldpati11
9,
Hfatory,-g , 2, ch. 73-330; ll, 7, ch. f!S.151j S. 7, dJ, 67-195; JI, 7, ch. ~266; 8. 7, ch. 94-176;
8, 1374, ch. 85-147; i, 12, ch. 2013--138,
BU1 DJ.but'SSMiH1toffwllfs In 19try of couri; ~ftfl:11 1 hoaring.-W hen Om tfflant
hflG d ~ funds Into lfwtn;gil;tJyOfthe
court In ~ ' l e e with th& prtJV!alons of 11. 83.60(2) and thalm:ffold Is In 9Cf1Jal cumger of loaa
at t h e ~ or o t h e r ~
~ mau!t!ng from the bu of rental Income from t h o ~ . ihe landlord
C
may llppfy to the 00Ufl for dbbutmnant Of all or part of

the fuMl « for prompt finl'.!l ooarfng. Tua coud mall advance thfl =- on thtl calendar. The ccurt, after preflmlna,y heaflng, may nwM.t
all or eny p(l!1!on of lh4 funds on depos.11 to the lllndlord or may proce«J lnmUldl111alf to 11 'final
nm:iful!oo o!tha came.
Hieby.-41 . 2, ch. 73430; a. 2, ch. 7+146.
A
S.3.92 Reatomllo n of po.sanlon to wndlonf.-.

(1) In en action f o r ~ , Bbr ~ of.}l.ldomoot In favotof Ill$ landlonl, !he dru1( ehaff PtSUe
s Writ to the sherfffde8c:rlling the
pmmh1,sa end commandino the 11hsrlff to put !he l$ndlord fn ~ aft« 24 hours' ooictl cona
~ ~ en Uw prern!Sl.18.
T
~ . Sund.E:,p. and legal fltJtickiys dtJ oot l'if.ay the 24-hour nab peood.
{2) Af. the time lhe aheriff ~ the writ of ~ n ar at any time, the~. t i e ~
or the landlold'c ~ may~ any
O
paraomu properly found on the PAtl'llfseli to or near th& pn,peny line. &Jbsequ&nt ID ~ g ti\Swrft Of po11•a:loo, th& landlold may
~ the alwlff to ltand by to keep tha ~ whDe the latldklrtf ~ the k>c:I.&
and remtl\111.11 the pemmal propeny li'cm the
~ - Wien ouch s raqw:rt Is made, the ahettff may ch~ a reaeonabl& llourfy Ble, and the pMaOn
N
ntquesih,g tho tltMmff to stand by

lo keep Che~ lhBII ba ret1,PO!lllble for paying the remooabl& hourly ra1o set by th& sheriff. Nelthar
Che shelfff norifla l4ndlord or the
landlonfs agent shall be llable to !Ml tenant or any other pany fer lh& looa, ~ n , or dsmaga
lo tho property a1'1,ar ft hu bC8II
f1!ll'l'IO\le:d.
fflttoty.-. . 2., ch. 73--330; II, 3, ch. fl2.68; S. 5,ch. 88-379; ~ 8, ch, 94-170; S.1376, ch. 85-147; li, 2, ch.
98-146; I, 13, ch. 2013-136.
8":125 Power to sward pom!Alo n and entor momsy JtfdgrnML-fn an aclkln by the land{Cld br ~
of a cfNdlng una bmmd UJ)lm
~ a n t of ront, lftho awn flnda the mnt III due, owing, und unpeld and by rea1C11 thereof If!&
landlord la entl!Ied l o ~ offila
.. ~ - "totnwney
· -..... ...... - " '~ oflhap
jurladleilonal l!trnl:l;al116mi, !he ootiy of a mo ntwih 00fltll In -• to or
favor ...the
"""'""
landlo<d..........
snd against the smountwh
"., t&ru1nt far theamoun "
Landlord l,__J snd Tal'W\t L_J AeknoW!ildgis reeelpt of a eopy or th!• p&!J$. Which Is Page 18 of 18,
fwnd due, avring, and unpaid by the tBMnt to the latld!ofd. ~ . no mcn.ay ,ludgrnent
shall b e ~ unlffl,11 lllaMQJ af pcomu hu
b e e n ~ by p ~ ssrvlc& or, whe re~ bV law, by eetfflled orni,g:Istem
d mall. ft;l!Um recalpt, or 1ft SfF/ olwlll9M el"
~ by 11w ot the rules, of the court; snd no money JUdgmsrd msy
b& lffltfil'8d ~ In 03fl\Plllnca wlltl 11'1& Aodda Rulms of CMl
Proo!dure. The pnmlllng patty fn 1t1e action may &!$a b e ~ aHomsy'a tea
end com.
~ . - e . 1, dt. 75-147; s. 8, ch. 87-195; a. 6, ch. 88-379.
B!.83 CMua1ty damq& .-lt t h e ~ are d ~ o r ~ otnarthmb
y1h11 Wl'Of\glu{ o r ~ 6Cbi dlha lenlltlt uo that
the en.JOY!neflt of the pmmleea le ~ Impslted, th8 tenant may ttmnlnale the
renmJ aaraement and ~ ~ lt1$
~ Ths - - may w.cakt tha part of the ~ rencftwed unusable
by the c:uuatly, ln whk:n cae th& lmuini'a llllblly fur tent
slu1!I' bo mdutlfld by !ha fair l'IW64 value of that part of tha pmmlsfu, damtlged o r
~ . If the l"lffllDI ~ Is tannlm'!lsd, hs
landfard shaB comply with a. Ba.'"1(3).
~.-f! ,2, th. '13-330; a.448, ch. 85-147; IS, 14, ch,2013-136.
PY
83.64 ~ conaw:t.-
(1) ll II U'lfa'Wful for a landlotd t o ~ frn:n,l11$11 a fanMfs rant o r ~
MMC81 k> a tsnant, or 10 bring or lhf'Hlen lo brinJ1
an adion for p a s ~ w other cMI &dlon, pdmariJ ~ the landlord l s ~
against too tenant. tn orderfor hl tnmlflt lo nooa
the defense o f ~ conduct, the tenant must have acted In good faktt. ~
of conduct forwflkh tho Wldlol'd may n o t ~
lnctlde, bU1 ~ not llmflad to, all:uatbna Whar9:
O
(a)The t&Mnth& f ~ t o a ~ a g a n c y ~ wlth~
Jty f o r ~ Ofabul!dfng, houa&ng, orhselh code
of 8 wspec:ted 'llfola:tbn app!Jcafa to the pnam!seg:
C
(b) 'l1l$ ~ m m ~ . ~ - or pariiclpafed In a fsnanta' ~
n;
(c) Tha ~ has ~ to the landlonf J)UlllUlllnl fo IL 83.66(1);
(d) The teruint la a $8MCllffllfll'YlberWho helS ~ e. nmtal ~
ptlrlual\l to 11, 83.682:
ED
(e) The tensnt.tw . paid r&ntto a condominium, ~ . or h o ~
~ n el'h!r a'etlllill"ld from ths ~Hon In order to pay
· tho lat1dtotd'e obllga6Dn to the UIIOd.rl!on; or
(!) Toa lemlnt has. cxen::IH<t tu; or her rights under fOCfJJ, &!al.a. or firldcmtl fsJr
homlng lew&.
(2) EY!dence cf~ln iy condud rmry he ralud by fhe flmentas a ~
fin W1'f edfcn broui;r ht~ him or her for ~ n .
(3} In any even1. lh!s ldoo dnet not flPPly If the landlord pn:IITM !hat bl evfdiorl ls
tor Qood cauoo. Elcamptas of good cause lncfude, but
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sm not lltnked to, aood fallh ~ f o r ~ of mnl. 'lfofdon of the mnlDI ~
o r o f ~ rules, o r ~ ol'iho
torma or th.ls c:hspb!it.
(4) - O ~ • und« lhls aadion ffli81IJUJ lhat a &ment ti. bfflnQ tmlltod ~
aa to ffi8 ront charged,
the
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111ervlcff rondeted, Of the w;tJon being taken by the lsndkml, Which shall bl! a p ~ ta a
~ of ~cond uc:L
Hlsmry. -a. 8, ch. 83-151; s.. 450, cit. ~147; a. 3, eh, 2003-72; a. 15, ch. 2013-136,
83.BT Prohibb d practfems.-
(1) A teridtofd of eny dwalllng umt ~ by thlll pmt Md not Qlltl&C, dii'dy or
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fndfredly, Che termination er 1$1m.!pffcn or any

utiJty a&t\llee ~ e e l the lenarit, Including, but not llmlled to, water, heat, Bgtrt.
elee(rfcfty, gs111 ~ . garbage colledlon, Df
rof'rlgetat!on, ~ er not the utiffly ~ la undar lh9control ~ or paynnint 11 rmukl by,
!he fundlatd.
(2) Alandlord of any dwelllng unft govem&d by~ part wll not pmvant 1llO
t&nant from ~ ~eonabl e ~ tu ttw dwelllng unit
by ffllY ~ . fncludmg, but not Dmlied 1o. charipng the roca oruq any
booHock or ~mllacdevfoa.
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(3) A tancl!om of tffl'J dwellfni, unit govemed by thJa part &hall not dl!$crimlna
te against a N ~ In offlltfng a ~ unll for
rent or In any offfte lenns of the mrnaf ~
(4) A landk>fd ~ not prohibit e 1Manf from d!spfay!ng one porfabre, ~ .
cfOU'l or pJMUc Unttcd Statea 41g.
~n45! ld11'2 foet by8fNt, In a ~ manner In oron t h o ~ u n i t ~
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of any pl'O\lf$lon In tf1& ll3JW1I agreemem

df.allng Wfflt liagl or ~na . The Unltod StmM fieg 8hd be ~ d In ai:x:ordo:nc
e \Wth ,. 83.62(9}. Tho Ism.Hord rs not Rabla fu.
d ~ C8UHd by a Unflod StBta6 i!sg d!q:ilaysd by a tenant Arty Unlte<f Sltuas flag may
not fnfmge upon thfl space rentea by any olhlr
trmant.
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(5) A landklrd of any mwlling unit govarood by this part ehall not ramove
th& oubloo doom. loc:lol, fOOf, wm, 0rwlndow11 of Iha Llll!i
exc,apt ror pu~s o f ~ repair. or r e ~ and Iha lsndloot shall not nmova
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the fltnanfs peraonal property from lh9

dwelling unit un!au weh edon l.s Ulhen aftal'GUminder, abando nment ,~ ofpoueu
kln of the i:twemng Unit duo1o1he daath offhe
wif ~ hmant I n • ~ with a. 83.59(3)(<1), ors laWfi.ll evlctlon. If prowfttd
fn th& l'1lf1tal ~ ora ~ ~
aep.infe from tha ~ I a g ~ Ltpofl l5Ul'T800Sf' or a!mrldonm&l'lt by 1tlG tenant. fhe
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~ lu not requited to comply wflh 11. 715.104

Imel la not l!abfe ar~e:l llle fortf.tlrl:lgs o r ~ ortha ~• ~
ptoparty; If provkfadln tho nwru ~ them mUSi
be printed ore!earfy mmped en 4IJCh flriaJ ~ n t a • ~ rn s ~ th&folovm
g form:
BY SIGNING THIS RENTAL AGREEMENT, THE TENANT A0ReES THAT UPON SURRENt
>l:m, ABANDONMENT, OR RECOVERY
OF POSSESSJON OF THE DWElJ..ING UNIT DUE TO THE DEATH OF THE LAST REMAININ
G 11:NANT. AS PROVIDED av
CHAPTER 83, FLORIDA STATUTES, 1ttE LANDLORD SHALL NOT 81: LIABLE OR
RJ;SPONSIBLE FOR STORAGE OR DISPOBmoN
OF THE TENANT'S PERSONAL PROPERTY.
(6) A llndloni who Vlolatu any p(OV!Blon of this Hdloil WI ba liable w tha tenant for
ac:tual and ~ I l a ! ~ or 3 inontils'
fflnl, ~ e r la 1,Jl'Uter, end COIIB, ll'lcltldJna ~ ,ea. ~ orrtp&!IISd
vlolsiions that Ml ll04 ~ with lt1o
Wlisl~n tlhar b&81Jblectto ~ e,mud acf~
(7) A ~ of SU aedJon ~ f ~ lwm fur the Jl'l.llP(liN oflitjundlr,a re!fot
(8) Toe ramadiell p!Oltfded by lh!A eedbrl me not IIXC!ualve end do not predutkt thtl tenant
born puraulflg any Olhcrl1lafl'lfldy Ill faW or
eqllltylhattle tanant may have. To&mmadlea provftAl!d by !his aectlcn shall atsoapp1y foa eervicefflam
vmo hu bean di&ctlmlnafad agak!Bt U n d e r ~ (3). r,
btlfwtlo a ~ bllriMt
H!stoay.-G. 3, dt. 87-369; 11. 7. ch. 88-379; a. 3, Ch. 00-133; a. 3, ch. 00-146; a. 2. ch. 2001-179:
11, 2, ch. 2003-30; a. 4, Ch. 2003-72; a. 1, ch.
2004-238: s. 2. ch. 2007-1S6.
83.681 Ordens to enjoin viola-liolw oftiw part.-
(1) A ~ Who gllms nallca to a tooan! of tt111 landlant11 lnfart 1D terminate the tMant's ~ puruwnt
to o. 83.56(2}(e}, dua fo tha
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~ a lnmntronat d811\Ul.1Ctlon, ~ • • o-mls:uta af tha landiord's ptoperty may pdlon th8 county
prohtbftfna Iha t&n&nt from conlltlllfng to vlofat8 any of the pmvlsiona cf tfm part. ot cfteuli ccl01 for an lnjunc:6on
(2}Th= aut llhal grant I.he tellefmqllG1Md 1)1.nUantto ~ o n (1) In c::onfr.irmllywtlh t.ht3 ~
that govern ht gmnl!ngo:f
ln/unctlve raedfrom ~ Jou o r ~ In other civll c::ua.
(3) Evldenca of e ten.ant's ln1entiona1 ~ dan'lag&, or m!tluRi of tha land!otd'a proparty
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In an amoun:l greater lhan ~ Ute !nlAAl
of money depogl!ed v.ffll lh& fandloro pomuant to a. 83.49 or $300, whichever i l l ~
. e n d ~ ~ hlillm f« the putpOMI!
of lnjundlve l'4hf.
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H[mry.-s . B, dt. 83-255; a. 481, ch. 95-147,
83.88ZTemdrwtlon ofranbtl ~ by 111 ~8fflb al'.-
(1} Aey ~ may htrmlnata his or hsr'81ltal e ~ t by prawdlng m landloni
w!ih a writtun nOlloe of mnnfnatl0n lo be
~eon thit date~ In the nob 1hst &I et leaat30 mp uftorth.tl landlord's nlOl$t of1ha nob
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tf snv ofIha fullcwlnvcnlerla 1!111
mef:
(a) The ~ b a r la rcqul/8d, pursuant fo a petrnmlflfd c:hMg& of lWl!oo ordl.ms, fO mow 35
miles or more from the locallon of lh&
mnfal~
(b) Tlw ~ b i t ' hi pmmabnly or lmdtlntalfiy dlGcfmrgad o r ~ tom 8Cf/vtJ duty or
ldtl1e dw duty;
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(c) Tho ~ m l m Is ~from active duty orsfala &d.Mtdutyeflar M'Mg laild
th& l1l!lblf ~ w h l e cnadlwi dilly or &b!1e
adille duty8faluundth6 renlslpramh!H 1&36mlu or mom fromtne urvicel'l'l5fflbe(e hom&ofre
aird prforfo entvring active duty er
li1B1e actJva duty,
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(d) Mer entering Into a mnlalagmetn5nl, I h a ~ ~ mJiiwy onf&n

.~ him orherto move bl4o gowmment
q\lllri:lmJ urthe ~ beoot'l'l'81S ~ to live In and opla to move Imo gOVl!lmmtlnl (!lJal'{ffl;
{0) The ~ b e r mcehttl:a t e ~ duty crdffl, ~ CMnge of stdon ordin,
or atBte et:!lvG duty Ol'ders to M lll'1a 35 ~
or more from tJ)8 foe8tfon of ltllit rantlf p ~ . provided 1ueh ordens lilt& for a perltld ~
eo days; or
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(I) The ~ r haa leued fh:u p110ptrty, biltJ)mirto laldng ~ oftheren181

~ . ~ a c:mmga af ordffl tosn GI'®
that k 35 mllee or mom fn:lm the locaifon of tho rental pmmlllet.
~) The no6ce tu tho lsndlonl must bs ate0mparood bye!lhet &COW of Iha offirJal rnllftary ordms onvttftl<!f'I
~ algnad by the
~ e eommant:lng Officer.
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(3} In 1he IIWnl a MNlc:emembertlkw durfng actwa dufy, an edult member of his or her lmmedfata 6!mlly may fennln.ala
~ • l'efflUII ~ b y ~ tha land1onf WIIJ a wrttletl notlce of(armfootl
lha
on to b e ~ en tho dll&t &l.!ud In the
notioc that!$ E!tklim 30 dsyufl& rfheland bd'a~ ofthi, nOb. The ncbtothe J&ndJord must
be acaltllpanled byefln8ra 00p'fof
lhoofficial rt'lllffsty oalem ahow!IIQ Ull!J B&Meamemberwa on~ duty or a writte n~ signed
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by t h e w ~ •
~ cffieat ands COf!V of the ~ b a r ' & demlh ~
(~ Upon tannlnatron of s rental agreement underifu sadfon, th& tenant fs 1Jabfa for the
ront dim under !he l'Uffl8f ~ ~ lo
1h9 ~ dala of t h e ~ ~ at 6UCh lime ea woutJ hew otherwise be1sn mqulrod byiha
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terms offha rel\bal e ~ Tho

tenant Is not leble for any ofuer rent er damsg0$ dua to the early temilnmkzn of fhiJ tenancy as provided
fur In this NC!lon.
N ~ a n y ~ ct this eedlon to 1h8 ccnttaty, 1f a kmant ~ the rental
ao,mernent ptmlUllTII: lo Ulfll SGdloo 14 or
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~ days prior to omrpancy, no cal'11agea o r ~ of any land wlil be u

~
(5} The prov~ of this HC!Jon may not bawalwm or modlled by tho ~ e n ! of t h e
~ L!fldoc any
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dtcumsltlncM.
~ . - . . 6, ch. 2001-179; a. 1, ch. 2002-,4; s.1, ch. 2003-30; a.&, di. 2003-72.
Filing# 47530061,~~File~ 10/12/2016 03:jS:20 PM
IN,THE CIRCUIT COURT OF THE FIFTEENTH JUDICIAL CIRCUIT, IN
AND ~O~ PALM B~ACH COUNTY, FLORIDA .
FIRSTAMERICAN BA.NK, as
successor by merger to Bank of . . .
Cor~l Gable~, LLC;· Case No.

. 50-2016-CA-009292
. . .. '
Plaintiff;
·v.
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STEPHANIEL. SCH:NEJDER,
JEFFREY MA~C HERMAN,
tm._l{NQ~ TENANT #1, UNKNOWN
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TENANT #2 and THE OAKS AT BOCA
RATON PROPERTY - .
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OWNERS' ASSOCIATiON~ INC.,.
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Defendants ..
- - - - - - - - - - - - - -I
'NOTICE OF FILING AFFIDAVIT OF LAURENCE S. SCHNEIDER IN
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OPPOSITION TO PLAiNTIFF;S MOTION TO COMPEL ASSIGNMENTS OF RENTS'
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· COMES NOW Defendant Laurcnce.S .. ~chneider, by and ~hrough the undersigned

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counsel, and provides notice to· all concerned of the filing of the attache~ affidavit in opposition;
Respectfully submitt~dthis 12th day of October, 2016.

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KENNETH ERIC TRENT

Attorney for Defendants
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83 t,"East Oakland Park Blvd.

Fort Lauderdale; FL 33334
(954)567-5877; (954)567-5872[fax] ·
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Trentlawoffice@yahoo.com
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By: Isl Kenneth Ede Trent.

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Fla. Bar No~ 693601
Certificate of Service
I hereby certi~ that true and correct copies of the foregoing were electro"nically served
.upon all co~nsel·ofrecord via the e.;filing portal on this 12th day of October;·2oi6.
By: Isl ~enneth Eric Trent

Fla. BarNo. 693601
EXHIBITD
IN THE CIRCUIT COURT OF THE FIFTEENTH JUDICIAL CIRCUIT. IN
. AND FORPALM BEACH COUNTY, FLORIDA
-
-

Coral Gab~es, LLC, Case No. 50-2016-CA-009292
Plaintiff;
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LAURENCE.S. SCHNEIDER,
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STEPHANIE L. SCHNEIDER,.
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RATON PROPERTY - .
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Defendants.
----- ----- ----- --I
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AFFIDAVIT OF LAURENCE S. SCHNEIDER IN OPPOSITION TO
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.PLAINTIFF'S MOTION TO COMPEL ASSIGNMENTS OF RENTS
STATE OF FLORIDA
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COUNTY OF BROWARD.
Before me, the undersigned authority, personally appeared Laurence S. S~hneider, who,
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upon ~eing duly sworn, deposes and says:

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1. I ain the primary Defendant in the above-styled cause and I make this affidavit
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upon my personal· knowledge.·

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2. I am suffering from a number of severe financial exigencies which have

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necessitated, among other things, placing my primary residence on the market. The financial
difficulties with which I and my family are presently confronted_are largely attributable to the grossly
negligent and seemingly fraudulent actions ofthe Plaintiff herein, Fi_rst American Bank. Such actions
are described, in part, in the correspondence attached hereto as Exhibit 1 and incorporated herein by.
reference.
3. Time constraints do not permit a complete description of the bank's improper
and/or illegal actions and lhc :series of negative consequences visited ~pon me as the result thereof.
4. However, one immediately pertinent consequence of the bank's actions i~ the
eviction of the tenant named as a Defendant herein: Jeffrey Marc Herman. 1 have terminated his
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tc:nancy in amaimer ~onsistcni with Florida la\v. Attached hereto as Exhibit 2 is the fifteen-day
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notice and the associated certified mail receipts.
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5. Due to the fact that I am forced lo sdl my primary residence.! v.,ill b~ moving into
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the subject propcny as soon as possible.
FURHTER AFFIANT SA YETH NAUGHT.

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Laurence S. Schneider
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Sworn to and subscribed before me. the undersigned authority, on this !_J_ day of October.
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2P 16 by Laurence S. Schneider who D:Jis personally known to rric or who r·l produced identification
~e ~~
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Notary. Public, of Florida

State
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,f-f-'~ CAROLINE IACINO

(· · ch ".,;,
MY COMMISSION 11FF01_5539
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EXPIRES Ma•/ 7. 201 1

My commissio_n expires: ·s--1 .. _.J. u l 1 -~~;~/
·~o,!§/
·~ ,.~
.
FlondaN01orvScrvicc.com
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(4071398-0 ;,.,
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2
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A
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ER
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FI Exhibit 1
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June 5, 2015
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Mr. Laurence Schneider
360 E Coconut Palm Road
Boca Raton FL
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RE: Acct Ending in 0006
Dear Mr.· Schneider,
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['have received your requc:s1 to not rcpon the delinquency the occurred on the above
was
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account in April of this year. It appears that our billing address not correct and your
payment was late for this reason. Since this appears to be the resulL of a clerical error
during our recent merger with the Bank of Coral Gables, we will continue to report your
account as paid as agreed. · · ·
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Today, we have asked the credit agencies to correct your credit file to satisfactory stanis. It
may take. up to 30 days .for them to update your· credit file, although it's usually much
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quicker than !hat. For your convenience, I have included their contact infonnation bciow•
. Experian Trans Union Equifax lnnovis

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PO Box 2002 PO Box 1000 PO Box 740241 PO Box.1358 .

Allen, TX 75013 Chester PA 19022 Atlanta, GA 30374 · Columbus OH 43216
(888)397-3742 800)888-4213 (800)685-J I J 1 {800 )540-2505
\\'\\ \\ .l!_ll\~1'1:111 .. ~·· 1111 ,, \\ \\'.1r;111s1111i1111.~·,,111 l\
0
~1Jt1ICI~ l~!_!
\~\\ ~~' ~' ,11.m,,\ i~, 11111
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MEMBER FDIC 80 Slralford Drive, Bloomingdale. IL 60108-2219

Larry Schneider.
From: Larry Schneider

Sent: Wednesday, November 18, 2015 7:48 PM
To: Brian T. Hagan (bhagan@firstambank.com)
Su_bjed: FW: BankUnit~d-lst Fidelity Revolving LOC
Importance: High
Brian,
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1st Fidelity Loan Servicing and Bank
I want you to b_e aware that my banking relationship between
my HELOC by First American Bank. This
United has now been affected by the fraudulent reporting of
account hut also a revolving line of
relationship with Bank United includes not only the operating
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source of funding the RICO and False
credit which is the life line of the Conipany and the primary
retaliation to my entities by JPMorgan
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Claim Cases against JPMorgan Chase, as the whistleblower
with the contractual relationships
Chase has significantly reduced my cash flow by Interfering
d by my entities. The Justice
between my entities and the borrowers-whose loans are owne
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relying on my continued litigation and
Department and numerous state attorney generals have been
to intervene in the case, which is largely
progress in the FCA case while it decides whether and when
based on political factors.
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C by First American Bank, Bank United
However, due to the ongoing fraudulent reporting of my HELO
to negative reporting on my personal
has suspended: my business line of effective Immediately due
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oyees of First American Bank, over the

credit report. As I have advised you and numerous other empl
the bank is fraudulently misrepresenting
course of eight months, through scores of correspondences,
ongoing fraud and misrepresentation has
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my payment history to the credit repositories. As such, this

ers regarding the Johnnie Washington
now caused harms to me individually, to S & A Capitalst Partn
ity Loan Servicing revolving line of credit
fraudulent satisfaction, and the now the freezing of 1 Fidel
United States Treasury, every tax payer
with Bank United. This is now causing indirect harm to the
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.If I cannot fund t~e continuance of this

and the treasuries of 19 States and the District of Columbia
litigation ..
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for Bank United and with the Department

Our counsel has already corresponded with general counsel
and potential criminal conduct in this
of. Justice, concerning First American Banks gross negligence
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matter.
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and state regulatory agency, in addition to

In addition, we will be filing complaints with every federal
for the cease and desist of the banks'
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the temporary injunction which we will be filing in federal court

presentation in numerous these
fraud: I will expose the banks fraud and your fraudulent misre
litigations. · ·
with you~
I have been instructed by counsel to cease all communications
Sincerely,
Larry Schneider
1
KELLER & BOLZ
Limited Llabllll)' Partnership
121 MAJORCA AVENUE . ' TELEPHONE (305) 529-8500

JOHN W. KELLER. Ill..- . SUITE200 TELEPAX (30S) 529-0 ~
HENRY H. BOLZ, Ill
CORAL GABLES, FL 33134
WWW.KELLERBOLZ.COM
SHEYLAMESA
EMA:fL: hbolz@kcllcrbolz.com
•Board Certified in
Admiralty & Maritime Law
November 30, 2015
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VIA EMAIL and U.S. MAIL
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Laurence Schnelder
360 East Coconut Palm Road
Boca Raton, FL 33432
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Re: First American Bank
October 30, 2015 Email.Directed to Brian Hagan (FCRA)
$1,500,000.00 HELOC Loan - July 28, 2006
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Dear Mr. Schneider:
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"). As you know, Bank

Keller & Bolz, LLP represents First American Bank ("FAS
mber 2014.
<?f Coral Gables LLC merged into and became FAB in Dece
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Hagan at 3:05 p.m. on

This letter responds to that email which you sent to Brian
d as an attempt by you to
Friday, October 30, 2015. That email can arguably be viewe
.. § 1681s-2(a){B) of the
dispute directly with FAS, in accordance with 15 U.S.C
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rting Act ("FCR Aj; Information

Con~umer Credit Protection Part. of the Fair Credit Repo
earlie r this year.
· th·at FAB provided to credit reporting agencies
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tigation and reviewed

In accordance with the FCRA, FAB has conducted an inves
ct to the dispu ted late payment
that information in which .yoLi provided with respe
unicated with all
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n, FAB comm
Information you identified. After completing its investigatio
ed the_m t_hat all of your past.
of the major/na~lonal credit reporting agencies and advis
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had been making all payments

.due payment notices have been reversed 1 and that you
dance with 15 U.S.C. § 1681 i.
. as agreed. This letter is being timely sent to you in accor
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19, 2015 (4:37 p.m.

Your November 18, 2015. (7:48 p.rn •. EST). ~nc;l N_ovember
to "imme diatel y remedlatlng the
EST) emails to Bri~n Hagan indicate that in addition rectify the harms"
neede d to
reporting errors~ (done), FAB needs to "send any letters
of Credi t as having been
and identifies the Bank United-1:st Fidelity- revolving Line
Mr.. Laurence Schneider
November 30, 2015
Page2
affected. Do you still want/nee_d FAB to write to Bank United (or might such a letter no'!'
be unnecessary)? Please let me know. ·
All further requests for Information for documents: tn any fashion relate to any
coniplalnts or disputes.that you might have pursuant to the FCRA should be addressed
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to the undersigned at the address on this correspondence.
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HHB/cp FI
cc: First American Bank
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Larry Schneider·
From:_ Larry Schneider
Sent: Monday, January 18, 2016 5:53 PM
'Henry Bolz' _
To: Berton Oberton@firstambank.com); Brian
· Garry Smith (gsmith@firstambank.com); James
Cc: @firstambank.com);
Hagan (bhagan@firstambank'.com); Frederick M: Snow (fsnow
itmanllp.com); Lance
Jennifer Walker; Jenn Foster, Helen Chaitman (hchaitman@cha
Gotthoffer (lgotthoffer@chaitmanllp.com)
Subject: RE: First American Bank HELOC Loan (FCRA}
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Hey folks,.
ing obtaining financing due to the ongoing and erroneous
Here we go again .... l am once again in a predicament regard
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y control since First American took over the Bank of Coral
servicing incompetency issues caused by the lack of qualit t my
uously send incorrect billing statements and falsely repor
Gables over a yea_r ago. l finally figured out why you contin
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the bank would take the time to
understand why nobody at
account as delinquent to the credit repositories. I still can't (30) comm unica tions with
ents. This is despite over thirty
investigate the account history and review the loan docum
the reporting my my HELOC account as late, prior to a
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ing
numerous employees and management of the bank regard
payment actually being due.
entdue the following month. Yoti are continuing to falsely
My loan was originated on the iB of a month with a paym
th
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th_e 1st of the month.
and repeatedly report my account as over 30 days late after
i was recently made aware of these derogatory reporting's

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• .J~nuary 9, 2016 than two payments past due (2). -

FIRST AMERICAN BANK has flagged your account as Not more
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1/9/2016 ·
Alert Date
Source EQUIFAX
Company FIRST AMERICAN BANK
two payments past due (2)
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Payment Status Not more than

Status Date 1/1/2016
Balance $1,498,138.00
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Balance Date 12/1/20')..5

Address PO Box 794Elk Grove Village, I~ 60009-0794
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• January 7, 201~
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Alert Da~e 1/7/2016

Source EXPER IAN
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Company FIRST AMERICAN BANK

Payment Status _ 30_ Days Past Due
Status Date 1/4/2016
Balance $1,498,138.00
Balance Date N/A.
Address 700 BUSSE RDELK GROVE VLG, IL 60007-2137
ial
over the past year, now you've put ·me in a terrible financ
You have caused me some substantial financial problems mortgage due on my prima ry
deadlin·e, as I have a balloon
predicament driven by a February 12, 20i6, line in the sand
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residence and this false.reporting is the reasonformy inability to obtain conven~ional refinancing. As you are aware,
ed reporting.
~here is not a blemish on my credit, with the exception of First American's continu
relationship with them from the time it
Prior to First American acquiring the Bank of Coral Gables, I had a stellar banking
opened its doors in 2006, over eight years.
my account from all credit re~ositories.
Once again... I demand that you immedla~ely retract the false reporting of
to rectify several issues including the
I am speaking with Brian, in an attempt workout sonie sort of deal structure,
property, which cannot not be rectified in
mortgage referenced above, the problem with the balloon rnortgage on my
(due to the torturous timelines and·
time to appease the private lender who owns the balloon mortgage on my ~ome
loan from Bank of Coral Gables to S & A
verifications pursuant to the new Dodd-Frank provisions) and the collateralized
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with the Bank of Coral Gables including a
Capital Partners, an entity of mine which also. had a great banking relationship
with S & A Capital had been long since
collaterallzed business loan. As you are aware, the collateralized business loan
ent on the Johnnie Washingto_n niortg-age. A
paid off but the Bank_of Coral. G.a.bi_es n~ver released the collateral assignm
ntative did not recognize the borrowers.
title company called First American Bank, and since the First American represe
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.
.
n by even looking at the "collateral

.
-
name in your system of records, arid didn't bother to further research the situatio
ee executed a satisfaction of the
Assignment" which provided our company contad info, the First American employ
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property without having to pay the
mortgage and underlying promissory note. The owner walked away from the
·
mortgage, which was owned by S & A Capital.
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s loan, so that we can dean the slate
Hopefully, Brian and I can work something out regarding a collateralized bu.sines
tive I
and start a fresh banking relationship. I'd rather not contemplate the alterna
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Regards,
Lan-y Schneider
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1SI Fidelity Loan Servicing. LLC

2901 Clint Moore Road, Suite 410
A
.Boen Raton, FL 33496

Cell (305) 710-4201
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From: Henry Bolz [mailto:hbolz@kellerbolz.com]

Sent: Monday, November 30, 2015 1:40 PM ·
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To: Larry Schnelder mbank.com); Brian Hagan

Cc: Garry Smith (gsmlth@firstambank.com); James Bertori (jberton@firsta
(bhagan@firstambank.com); Frederick M. Snow (fs11ow@flrstambank.c6m)
Subject: First American Bank HELOC Loan (FCRA) .
· Please see·attached correspondence of even date.
Regards,
2
IMPORTANT INFORMATION
. _ . . .
· Online Sec:tirlty In an email or any web
First American Bank will never ask you for your personal Information, such as your login ID, password, or answers to challenge questions,
page al
page directly linked to an e-mail from us. For more Information on how to protect yourself against onflne fraud, view our Online Security
https://www.firslambank.coni/GeneralfGeMrallnfo/OnlineSecuriM ·· . ·
. ,
Privacy Polley
We do NOT disclose any information about you to anyone, except as permitted by law. For more detailed information, view our
Privacy Polley at
bttps://www.firstambank.com/General/Generallnfo,PrivacyPoijcy/ .
PY
From: Larry Schnelder [mailto:Larry@sacapitalpartners.com]
Sent:Wednesday, September 30, 2015 3:59 PM
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To: Brian T. Hagan <bhagan@flrstambank.com>
Cc: Milton W. Espinoza <MEspinoia@firstambank.com>; James A Kielbasa <JKielbasa@flrstambank.com>; Jennifer L.
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Ande'rson <janderson@firstambank.com>
Subject: HELOC #40000006
Importance: High
Brian,
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Please find the September 2015 payment on the HELOC account. Despite the flawed Information In your servicing
system of records, my account is current (for the purposes of the Fair Debt Credit Reporting Act). Please apply the
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payrnent accordingly. The bank has been and continues to rnake erroneous and derogatory reporting ofmy account to •
the credit repositories, despite numerous requests to the bank to rectify the various boarding errors which has affected
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my billing and subsequent payments. The bank continues to violate this and numerous other state and federal,.
mortgage servicing and consumer protection laws.
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Sincerely,
A
Larry Schneider
1199 S. Federal Hwy, #369
· Boca Raton, FL 33432
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305-710-4201
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This email message has been delivered safely and archived oniinc. This email syst:m is managed by llYnarniCar~ E2,
Powered by Mimecast · ·
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NOTICE FROM LANDLORD TO TENANT
FIFTEEN DAY NOTICE FOR POSSESSION OF PREMIS
ES
To: Jeffrey Marc Herman

17685 Circle Pond Court
Boca Raton, FL 33496-1002
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Jeffrey Marc Herman c/o Herman Law
3351 NW Boca Raton Blvd.
Boca Raton. FL 33431-6623
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YOU ARE HEREBY.NOTIFIED that your tenancy of
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the premises
described as 17685 Circle Pond Court, Boca Raton, FL 3349
6
Palm Beach County
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Flqrida,
is hereby terminated as of October 15, 2016; pursuant to
Section 83.57 Florida
Statutes, and you are to vaca te the premises·on said date.
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PLEASE GOVERN YOURSELF ACCORDINGLY.
of:!:~~ ,
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.Dated this
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day 2~ ~-
Si~a ture
s:~J:~ l dQ.C
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Name of Lan dlor d/~e rty Man age~ / .0 ,,.t
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rROOF OF SERVICE
I, the undersigned, being at least 18 years of age, dedare under penalty of

perjury that I served the notice to pay rent or move, of which this• is a true copy, on·
the above mentioned tenant in possession in the manner(s) indicated below.
~ (in Sepkm b&:-,JpzoJ (a , I handed the notice to the tenant.
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□ I handed the notice to a person of suitable age and discretion at the tenant's
residence/business on_ _ _ _ __, 20_ _
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osted the notice in a conspicuous place at the tenant's residence on
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Executed on r .3:i; 20 / <e , at '•/:Q1 □ A.M.'@'P .M.
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Signature =-========
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First-Class Mail
UNITED STATES POSTAL SERVICE Postage & Fees Paid
USPS.
111111 Permit No. G-10
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• Complete hems 1, 2, and 3. Also
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on the reverse
so that we c:Jn return the caro lo you.
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SENDER: COM PLE TE THIS SEC
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ON DEL IVER Y
• Complete Items 1, 2, and 3.
Also complete A. Signature
Item 4 If Restricted OoUvary
■ Print your name and
ls desired.
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that vie can return the card totho reverse
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Filing# 48998865 E-Filed 11/16/2016 09:28:46 PM
IN THE CIRCUIT COURT OF THE FIFTEENTH JUDICIAL CIRCUIT, IN

AND FOR PALM BEACH COUNTY, FLORIDA

Coral Gables, LLC, Case No. 50-2016-CA-009292
Division AW
Plaintiff,
V.
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STEPHANIE L. SCHNEIDER,
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RATON PROPERTY
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Defendants.
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ANSWER, AFFIRMATIVE DEFENSES, AND COUNTERCLAIM
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COME NOW Defendants Laurence S. Schneider and Stephanie L. Schneider, respectfully

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by and through the undersigned counsel, and respond as follows to the Verified Foreclosure
Complaint of the Plaintiff, First American Bank as Successor-by-Merger to Bank of Coral Gables,
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LLC:
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Answer
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1. Admitted only that this action concerns residential real estate situated in Palm
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Beach County, Florida, and that Plaintiff attempts to state a claim for mortgage foreclosure. Any
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implication that Plaintiff's claim is meritorious or legally viable is denied.
2. Unknown and therefore denied.
3. Admitted.
4. Admitted that Defendant Jeffrey Marc Herman was previously a tenant whose
lease was month-to-month. Defendants served the former tenant, Mr. Herman, with an eviction
EXHIBIT E
notice and, on or about October 31, 2016 the tenant and his family vacated the premises.
5. Denied.
6. Admitted.
7. Admitted.
8. Admitted.
9. Admitted.
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10. Admitted.
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11. Admitted.
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12. Denied.
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13. Denied.
14. Defendants admit that all payments have not been made and/or that one or more
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payments was not timely made; Defendants deny that any such non-payment or late payment
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constitutes a default under Florida law. In the alternative, if such alleged failure does constitute a
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default, such default is excused in that it was and is the natural, proximate, and foreseeable result of
the Plaintiff's wrongful, grossly negligent and/or intentional and malicious acts and omissions in
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administering the subject loan, as more fully described below. Such malicious and/or grossly
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negligent conduct, by which Defendants' ability to make timely repayment of the subject obligation
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was substantially impaired, also involved the improper conversion and embezzlement of Defendant's
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collateral for a separate line-of-credit from which the subject obligation was intended to and would
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have been paid.
15. Denied.
16. Denied.
2
18. Denied that Plaintiff has the authority to so declare.
19. Denied.
Count 1 - Foreclosure of Mortgage
21. Defendants re-allege their responses to paragraphs 1-20 here.
22. Admitted only that this action concerns residential real estate situated in Palm
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Beach County, Florida, and that Plaintiff attempts to state a claim for mortgage foreclosure. Any
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implication that Plaintiff's claim is meritorious or legally viable is denied.
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23. Denied, in that there were no defaults or because, in the alternative if defaults did
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occur, Defendants were excused from their obligation to cure same by virtue of the wrongful, grossly
negligent and/or malicious acts and omissions referenced in response to paragraph 14, supra, and
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further described infra.
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24. Denied.
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27. Denied.
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WHEREFORE, Defendants Laurence S. Schneider and Stephanie L. Schneider demand that

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Plaintiff take nothing on its action, and that, pursuant to the Credit Agreement and the Mortgage,
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Defendants be awarded all attorney fees reasonably incurred in defending this action, as well as
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compensable costs, with such award to be paid by Plaintiff.
Count II - Breach of Contract - Laurence S. Schneider
28. Defendant Laurence S. Schneider re-alleges his responses to paragraphs 1-20 here.
29. Admitted only that Plaintiff's action for breach of contract purports to arise from
3
an alleged breach of a HELOC credit agreement; any implication that such action is meritorious is
denied.
30. Admitted only that all payments have not been made; unknown and therefore
denied as to the ad valorem taxes; any implication that such non-payment constitutes an actionable
breach from which Defendant Laurence S. Schneider is not or has not been excused is denied.
31. Denied.
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32. Denied.
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33. Denied
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WHEREFORE, Defendant Laurence S. Schneider demands that Plaintiff take nothing on its
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action and that, pursuant to the Credit Agreement and the Mortgage, he be awarded all attorney fees
reasonably incurred in defending this action, as well as compensable costs, with such award to be paid
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by Plaintiff.
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Affirmative Defens es
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1. This action is not yet ripe. According to the subject Mortgage, which was drafted by
the Plaintiff without any editing by Defendants, the indebtedness secured thereby involves a twenty-
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year line of credit. The Mortgage is the controlling document, and any ambiguity is to be construed
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against the drafter and in favor of Defendants. The provision on page 1 of the Mortgage, providing
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for a twenty-year line of credit, is inconsistent with and contrary to the provisions contained elsewhere
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in the loan documents which purport to require that the entire indebtedness be paid off in a one-time
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balloon payment, on July 28, 2016, which is ten rather than twenty years from the date upon which
the loan documents were executed.
2. Unclean hands. Plaintiff has engaged in inequitable conduct, regarding the subject
loan, which Plaintiff knew or should have known was likely to cause damages to the Defendants.
4
This inequitable conduct includes, but is not limited to, the filing of this foreclosure suit while in the
midst of detailed settlement negotiations with Defendants; the repeated failures to accurately calculate
the amount of Defendants' monthly interest payments, and to timely inform the Defendants of the
amount they would be required to pay each month; repeated failures and refusals, despite demands,
to disclose the calculations allegedly giving rise to the seemingly inflated and late-disclosed monthly
charges; failure to return calls to customer service; falsely reporting delinquencies to the credit
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bureaus and refusing to rectify the errors after Defendant Laurence Schneider notified Plaintiff of
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same; and the unlawful and dishonest misappropriation and legally improper release of one or more
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liens on real property. The beneficial owner of said lien or liens was Schneider and/or a corporate
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entity in which he, as was known to Plaintiff, was a substantial stakeholder. Said lien or liens
was/were placed with Plaintiff as collateral (security), only to insure repayment of loans made to
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Schneider pursuant to a separate line of credit. Without justification or legal excuse, Plaintiff released
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such liens, thereby causing damage to Laurence Schneider's financial interests.

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Counterclaim
COMES NOW Defendant/Counter-plaintiff, Laurence S. Schneider, (hereinafter"Schneider"),

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by and through the undersigned counsel, and sues the Plaintiff/Counter-defendant, First American
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Bank as Successor-by-Merger to Bank of Coral Gables, LLC, (hereinafter "Bank"), as follows:

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1. This is an action for damages in excess of $15,000.00.

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2. Schneider and Bank have consented to the propriety of venue in this circuit and the
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exercise of jurisdiction by this Court.
Count 1 - Violations of The Fair Credit Reporting Act -15 U.S.C. §1681 et seq
3. Schneider re-alleges paragraphs 1-2 here.
4. 15 U.S.C. § 1681s-2 imposes obligations upon, and prohibits certain conduct by,
5
"furnishers ofinformation to credit reporting agencies." At all times material, Bank was a "furnisher"
within the meaning of the Fair Credit Reporting Act. It furnished information, which in many
instances was inaccurate, to the three major credit bureaus, about Schneider's creditworthiness. Such
information exists for the purpose of enabling potential lenders to accurately evaluate the risks and
rewards of contemplated undertakings, such as the issuance of lines-of-credit and other products.
When such information is inaccurate, it is reasonably foreseeable that the consumer will be damaged
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as the result.
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5. By operation of 15 U.S.C. §1681s-2(a)(l)(A), "a person shall not furnish any
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information relating to a consumer to any consumer reporting agency if the person knows or has
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reasonable cause to believe that the information is inaccurate." In or about August, September,
October, and November of 2015, Bank violated this section by inaccurately reporting Schneider's
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installment payments as being more than thirty days delinquent, when in fact they were not.
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6. By operation of 15 U.S.C. § 1681s-2(a)(l)(B), "a person shall not furnish information

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relating to a consumer to any consumer reporting agency if - - (i) the person has been notified by the
consumer, at the address specified by the person for such notices, that specific information is
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inaccurate; and (ii) the information is, in fact, inaccurate." In this instance, Bank ran afoul of this
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prohibition because, after receiving from Schneider multiple notices of the inaccuracies it continued
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to erroneously report Schneider's payments as delinquent, and continued to misrepresent the amounts
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owed for one or more of the following months of 2015: September, October, and November.
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7. By operation of 15 U.S.C. § 1681n, should it be determined by the trier of fact that
Bank's noncompliance with§§ 1681s-2(a)(l)(A) and 2(a)(l)(B) was willful, Bank shall be required
to compensate Schneider in an amount equivalent to the total of all actual damages he sustained as
the result, plus punitive damages, and reasonable attorney fees and court costs. Schneider contends
6
that the actions and inactions of Bank, when viewed in context, make it more likely than not that such
actions were willful, and intends to establish Bank's willfulness through discovery in this cause.
8. By operation of 15 U.S.C. § 1681o(a), should it be determined by the trier of fact that
Bank's noncompliance with §§1681s-2(a)(l)(A) and 2(a)(l)(B) was negligent rather than willful,
Bank shall be (1) required to compensate Schneider in an amount equivalent to the total of all actual
damages he sustained as the result of Bank's negligent failures to comply with, inter alia, §§ 1681 s-
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2( a)( 1)(A) and 2(a)(l)(B), and should this action be successful, (2) required to pay Schneider a
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reasonable attorney's fee, plus costs.
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9. Among Schneider's actual damages are: loss of available credit in the approximate
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amount of one million dollars, the loss of substantial business opportunities, the inability to reach an
accommodation with Bank which would have obviated the alleged necessity of this foreclosure suit,
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and substantial and material reduction in the probability of a recovery in the tens of millions or more
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in one or more False Claims Act proceedings in which Schneider is or was the Relator.
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10. The Credit Agreement upon which the Bank's foreclosure action is based includes
an optional provision on page 4 which, if selected, would purportedly waive Schneider's right to trial
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by jury on any counterclaim lodged against Bank. Selection of this waiver is indicated by the affixing
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of one or more of the parties' initials in an adjacent blank. Specifically, waiver requires one or more
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of the parties to "(Initial Here_)[.]" In this instance, the line whereupon initials could have been
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inscribed contains no marking of any type. There has been no contractual waiver of Schneider's right
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to trial by jury on this Counterclaim, and Schneider hereby demands same.
WHEREFORE, in addition to trial by jury, Schneider demands all available forms of damages
on Count 1, plus costs and attorney fees pursuant to the above-cited authorities, and such additional
relief as the Court may deem just and proper.
7
Count 2 - Negligent and/or Fraudulent Misrepresentation
12. Bank, through its representatives, made false statements of material fact which they
knew or should have known were false and of the sort likely to damage Schneider. These statements
primarily consisted of erroneous and inflated monthly billing, claims that all errors had been rectified
when they had not, and false reporting to credit agencies.
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13. Bank, through its representatives, either knew these statements were untrue when
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made or, in the alternative, Bank made these statements while being aware that Bank did not know
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whether or not they were true.
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14. Bank knew that Schneider would rely upon the statements as to the amounts required
to be paid, and that he would rely upon the statements that the reporting errors had been rectified.
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Bank knew that other financial institutions would rely upon the information it furnished to credit
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bureaus about Schneider's accounts.

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15. Schneider and third-party financial institutions did rely upon said misrepresentations,
and Schneider naturally sustained damages as the foreseeable result.

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16. If the trier of fact determines that the misrepresentations giving rise to Count 2 were
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made with malice or with intent to deceive, Schneider is entitled to an award of compensatory
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damages and, upon leave of Court, punitive damages.

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17. In the alternative, should the trier of fact decide that the misrepresentations were made
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negligently rather than maliciously, Schneider is entitled to an award of compensatory damages.
WHEREFORE, as to Count 2, Schneider demands all available forms of damages, trial by
jury, and such additional relief as the Court may deem just and proper.
8
Count 3 - Conversion
19. This Count arises from the unlawful and dishonest misappropriation and legally
improper release of one or more liens on real property. The beneficial owner of said lien or liens was
Schneider and/or a corporate entity in which he, as was known to Bank, was a substantial stakeholder.
Said lien or liens was/were placed with Bank solely as collateral (security), only to insure repayment
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ofloans made to Schneider pursuant to a separate line of credit. Without justification or legal excuse,
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Bank released such liens, thereby causing damage to Laurence Schneider's financial interests.
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20. Bank's conduct in this regard constitutes the exercise of dominion wrongfully asserted
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over Schneider's property, and such dominion was inconsistent with Schneider's ownership interests
therein.
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21. Accordingly, Bank is liable to Schneider for conversion, and Schneider is entitled to
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an award of damages to be paid by Bank.

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WHEREFORE, as to Count 3, Schneider demands all available forms of damages, trial by
jury, and such additional relief as the Court may deem just and proper.
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Respectfully submitted this 16th day of November, 2016.

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KENNETH ERIC TRENT

Attorney for L. and S. Schneider
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831 East Oakland Park Blvd.

Fort Lauderdale, FL 33334
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(954)567-5877; (954)567-5872 [fax]

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By: Isl Kenneth Eric Trent

Fla. Bar No. 693601
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Certificate of Service
I hereby certify that on this 16th day of November, 2016 true and correct copies of the
foregoing were electronically served upon all counsel of record via thee-filing portal.
KENNETH ERIC TRENT

Attorney for L. and S. Schneider
831 East Oakland Park Blvd.
Fort Lauderdale, FL 33334
(954)567-5877; (954)567-5872 [fax]
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By: Isl Kenneth Eric Trent
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Fla. Bar No. 693601
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10

First Ameican Filed AB's Req For Insp., Jan. 13, 2017 (D.E. 46)

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Filing# 51115002 E-Filed 01/12/2017 03:10:57 PM

IN THE CIRCUIT COURT OF

CASE NO.: 502016-CA-009292

FIRST AMERICAN BANK, as

FIRST AMERICAN BANK,

FIRST AMERICAN'S FIRST REQUEST

particular request to which they are responsive.

inspection and related activities as requested.

described for this purpose if you provide the following information:

a. the specific reason for withholding the document and/or thing;

b. a brief description of the document and/or thing, including:

i. the type of document and/or thing (letter, memoranda, etc.);

ii. the date of the document;

iv. the general subject matter of the document and/or thing;

v. the author, addressee, and any other recipient of the document

addressee, and any other recipient to each other;

whom the contents of the document and/or thing have been

document and/or thing.

a. the type of document and/or thing (letter, memoranda, etc.);

b. the date of the document;

d. the reason or reasons for disposing of the document and/or thing;

e. the identity of all persons authorizing or having knowledge of the

circumstances surrounding the disposal of the document and/or thing;

and/or thing; and

g. the identity of all persons having knowledge of the document's contents.

legal instruments, correspondence, letters, emails, Blackberry or other PDA messages,

calendar or diary entries, sketches, photographs, photographic slides, or negatives,

conversations, summaries or records of personal conversations, and all carbons or

photocopies bearing any underlining, highlighting, additions, corrections, or marginal

LAURENCE S. SCHNEIDER and STEPHANIE L. SCHNEIDER to Bank of Coral Gables,

attached hereto as Exhibit "B."

F. The term "Affidavit" means the Affidavit of Laurence S. Schneider in

A copy of the Affidavit is attached hereto as Exhibit "D."

G. The term "SCHNEIDERS" means LAURENCE S. SCHNEIDER and

from December 1, 2014 to the present.

between LAURENCE S. SCHNEIDER and FIRST AMERICAN regarding or referring to

between LAURENCE S. SCHNEIDER and FIRST AMERICAN regarding or referring to

the Mortgage (Exhibit "B").

between LAURENCE S. SCHNEIDER and FIRST AMERICAN regarding or referring to

Bank of Coral Gables merger with FIRST AMERICAN.

SCHNEIDERS' attorney) with respect to the Property.

SCHNEIDERS' attorney) with respect to the Credit Agreement (Exhibit "A").

SCHNEIDERS' attorney) with respect to the Mortgage (Exhibit "B").

Ad Valorem/Real Property Taxes

Property's Ad Valorem/Real Property Taxes for 2014.

Property's Ad Valorem/Real Property Taxes for 2015.

Property's Ad Valorem/Real Property Taxes for 2016.

Sale/Lease of the Property

S. SCHNEIDER is currently residing at the Property.

SCHNEIDER and/or STEPHANIE L. SCHNEIDER listing their primary residence (located

allegation in Paragraph 2 of LAURENCE S. SCHNEIDER's Affidavit (Exhibit "D") that "the

allegation in Paragraph 3 of LAURENCE S. SCHNEIDER's Affidavit (Exhibit "D")

regarding "the bank's improper and/or illegal actions."

allegations in Paragraph 4 of LAURENCE S. SCHNEIDER's Affidavit (Exhibit "D").

allegation in Paragraph 5 of LAURENCE S. SCHNEIDER's Affidavit (Exhibit "D").

regarding or referring to the Mortgage (Exhibit "B").

regarding or referring to this litigation.

property insurance policies covering the Property.

allegations in Paragraph 14 of LAURENCE S. SCHNEIDER and STEPHANIE L.

substantially impaired, also involved the improper conversion and embezzlement of

intended to and would have been paid."

allegation in Paragraph 23 of LAURENCE S. SCHNEIDER and STEPHANIE L.

SCHNEIDER's Answer (Exhibit "E") that "there were no defaults."