guillermo napoleon lopez petition for emergency suspension

IN THE SUPREME COURT OF FLORIDA

THE FLORIDA BAR, Supreme Court CaseNo.

Petitioner,

v. The Florida Bar FileNo. 2010-70,051(11N-PES)

GUILLERMO NAPOLEON LOPEZ,

Respondent.

PETITION FOR EMERGENCY SUSPENSION

This petition of THE FLORIDA BAR seeks emergency relief and requires the

immediate attention of the court pursuant to 3-5.2, Rules Regulating The Florida Bar.

The Florida Bar seeks the emergency suspension of GUILLERMO NAPOLEON

LOPEZ, Respondent, from the practice of law in Florida based upon facts that

establish, clearly and convincingly, that Respondent appears to be causing great public

harm. Those facts, supported by the affidavit of the Miami Branch Staff Auditor of

The Florida Bar ("Staff Auditor"), attached hereto as Exhibit "A" are as follows:

1. Respondent is, and was at all times material herein, a member of The

Florida Bar, subject to the jurisdiction and disciplinary rules of the Supreme Court of

Florida.

2. This petition is filed with the authorization of the Executive Director of

The Florida Bar, pursuant to Rule 3-5.2, Rules Regulating The Florida Bar.

3. The Florida Bar ("the Bar") has received notice from its Staff Auditor that

there is clear, convincing, and undeniable evidence that Respondent appears to be

causing great public harm.

4. Respondent facilitated the misappropriation of in excess of $200,000.00

of trust funds by his sister, Maria T. Lopez, an attorney that was emergency suspended

on October 29, 2008. Said funds were provided by a lender for the purposes of the

Irina Ball (seller) to Dolores Porter (borrower) closing of property located at 400 Alton

Road, #2309, Miami Beach, FL.

5. Additionally, Respondent was the settlement agent for real estate

transactions where he failed to disburse monies in accordance with the HUD-1

settlement statements, including failure to pay off mortgages that were required to be

satisfied at closing. Additionally, in at least one instance, Respondent failed to record

a deed and mortgage for a transaction where he was the settlement agent.

6. The Bar's Staff Auditor subpoenaed City National Bank documents from

Respondent, identified as: (1) Guillermo N. Lopez P.A, Trust Account, MBBM0V,

for the period of April, 2008, to May, 2009.

7. The Staff Auditor's review arose as a result of the Bar's investigation of

Maria T. Lopez. As noted above, Ms. Lopez was emergency suspended by the Florida

Supreme Court on October 29, 2008. The investigation of Ms. Lopez disclosed the

transfer of large sums of monies to Respondent who is her brother.

8. On April 30, 2009, a subpoena duces tecum was served on Respondent

commanding him to appear before the Bar on May 13, 2009, and to produce at that

time original bank statements, canceled checks (front and back), check stubs, deposit

slips, wire transfers, cashier's checks issued with supporting documentation, receipt

and disbursement journals, client ledger cards, HUD-1 statements and balance sheet,

executed title polices for all real estate transactions, closing statements from any

personal injury cases, bank and client reconciliations from the account identified as

Law Office of Guillermo N. Lopez, P.A IOTA maintained at City National Bank,

account #MHHW and all other trust accounts in which Respondent had signatory

capacity, and any other account in which the funds pertaining to clients were placed for

the period of April, 2008, to the present. Additionally, said subpoena also requested

the same records, as noted above, from the account identified as Guillermo N. Lopez,

P.A, Colonial Bank account #HHMHBfor the period of January, 2007, to present.

(A copy of the subject subpoena duces tecum is attached as Exhibit 1 to the Staff

Auditor's affidavit.) In addition, a subpoena was served on both banking institutions.

9. Subsequently, Respondent requested and was granted an extension for

production until May 26,2009. Respondent appeared on May 26,2009, with some, but

not all of the records. Thereafter, Respondent was given until June 19, 2009, to

produce the records. Respondent appeared on June 19,2009, with additional records,

but was still not in full compliance with the subpoena. On June 23, 2009, the Bar

received additional records by courier. As with Respondent's prior submissions, the

more records that were delivered, the more questions arose.

10. On October 28,2008, Respondent received a wire transfer in the amount

of $353,678.97 into City National Bank account #flB|BHF from Maria T. Lopez's

City National Bank account JHHHHP (Copies of relevant pages of Respondent's

and Maria T. Lopez's October, 2008, City National Bank statements are attached as

Composite Exhibit 2 to the Staff Auditor's affidavit.) The Staff Auditor was able to

ascertain that the majority of these funds came from a Wells Fargo wire transfer to

Darlene Fernandez Carus in the amount of $519,858.15 for a purchase by Dolores

Porter from Irina Ball involving property located at 400 Alton Road #2309, Miami

Beach, FL. (Copies of relevant pages of Ms. Fernandez Carus's and Maria T. Lopez's

September, 2008, City National Bank statements are attached as Composite Exhibit 3

to the Staff Auditor's affidavit.)

11. Respondent explained that this transfer involved client and personal funds

of Maria T. Lopez which needed to be transferred to him in anticipation of her

emergency suspension on October 29, 2008. It should be noted that in April, 2008,

Maria T. Lopez was added as a signer on Respondent's City National Bank account

# fHHHBBP- (A copy of City National Bank's "New Account Information "form for

Respondent's account # fMHHV^ attacnec^ as Exhibit 4 to the Staff Auditor's

affidavit.)

12. Previously, in November, 2007, Attorneys' Title Insurance Fund, Inc.

revoked Maria T. Lopez's ability to write title insurance. On or about April 23,2008

(approximately the same time that Ms. Lopez was added as a signatory on

Respondent's account), Respondent became an authorized agent for KEL Title and was

authorized to write title insurance.

13. Respondent produced an itemized accounting of the $353,678.97, which

indicated that $222,060.00 was paid to Maria T. Lopez and that $6,063.98 was still due

her and remained outstanding. Additionally, Respondent paid $125,554.99 for client

related matters of Ms. Lopez. (A copy of the itemization of the $353,678.97 that

Respondent provided to the Bar is attached as Exhibit 5 to the Staff Auditor's

affidavit.)

14. On November 26,2008, Respondent was wired $190,852.60 from Wells

Fargo relating to the Lidia Polo (buyer) and Jose R. Valdez (seller) transaction

involving property located at 1601 Bay Road Unit 7 Miami Beach, FL 33139. (Copies

of 2 -wire transfers from Wells Fargo totaling $190,852.60 are attached as Composite

Exhibit 6 to the Staff Auditor's affidavit.} According to the HUD-1 Settlement

Statement, the buyer was to bring $40,382.70 to the closing. (A copy of the HUD-1 is

attached as Exhibit 7 to the Staff Auditor's affidavit.) On or about December 2,2008,

Irina Ball gave Respondent a cashier's check in the amount of $30,882.70, and on or

about November 26, 2008, Lidia Polo gave Respondent a cashier's check in the

amount of $9,500.00 for a total of $40,382.70 (Copies of the deposit ticket for

Respondent's trust account dated December 2, 2008, Irina Ball's check dated

December 1, 2008, in the amount of $30,882.70, and Lidia Polo's check dated

November 26,2008, in the amount of $9,500.00 are attached as Composite Exhibit 8 to

the Staff Auditor's affidavit.} On December 2, 2008, Respondent wired $40,382.70

back to Irina Ball. (A copy of the December 2, 2008, wire transfer from Respondent to

Irina Ball is attached as Exhibit 9 to the Staff Auditor's affidavit.)

15. On December 1, 2008, Respondent wired Irina Ball $67,200 and on

December 19, 2008, Respondent wired Irina Ball $100,000.00 (Copies of relevant

pages of Respondent's December, 2008, City National Bank statement are attached as

Exhibit 10 to the Staff Auditor's affidavit.} Neither the deed nor buyer's mortgage in

the Polo/Valdez transaction was ever recorded. Also, the seller's mortgage to

Washington Mutual, in the amount of $204,769.10 (noted on the HUD-1 and attached

as Exhibit 7 to the Staff Auditor's affidavit), was not satisfied by Respondent, and

does not appear to have been satisfied at all. The seller's lender, Washington Mutual,

filed a notice of lis pendens on October 24, 2008. As of March 23, 2009, this lis

pendens remained pending. (Copies of the Notice of Lis Pendens and Notice of

Voluntary Dismissal of Defendant are attached as Composite Exhibit 11 to the Staff

Auditor's affidavitJ)

16. Respondent furnished disbursement instructions from Lidia Polo and Jose

R.Valdez that instructed Respondent to submit payment to Irina Ball in lieu of

satisfying the seller's mortgage, which basically served to shift this responsibility to

Irina Ball. (A copy of the disbursement instructions is attached as Exhibit 12 to the

Staff Auditor's affidavit.) As settlement agent, Respondent is responsible to make sure

that monies are collected and disbursed in accordance with the HUD-1 .Upon the Bar's

request, Respondent was unable to produce a copy of the subject title policy.

17. On April 27, 2009, Respondent received $312,490.98 from Susan

Friedman towards the purchase of property located at 5225 Collins Avenue, unit 106,

Miami Beach, FL 33139. On same date, Respondent wired Irina Ball $250,000.00 per

instructions from seller, Jose R, Gonzalez. (A copy of the Respondent's April, 2009,

City National Bank statement is attached as Exhibit 13 to the Staff Auditor's affidavit.)

The disbursement instructions indicated that in lieu of satisfying Jose R. Gonzalez's

mortgage at Washington Mutual of $272,890.00, monies were to be given to Irina Ball,

and upon the sale of Irina Ball's property at 6101 Aqua Avenue, unit #301, Miami

Beach, FL 33140, Respondent could then satisfy Mr. Gonzalez's mortgage with

Washington Mutual. (A copy of the disbursement instructions is attached as Exhibit 14

to the Staff Auditor's affidavit.) This is a clear violation of the HUD-1 payment

protocol. On May 13, 2009, Irina Ball received payment for sale of her property at

6101 Aqua Avenue, Unit #301, and Mr. Gonzalez's mortgage with Washington Mutual

was satisfied.

18. On May 13, 2009 Respondent was wired $674,648.36 from Pathman

Lewis, LLP in regard to the sale of the property at 6101 Aqua Avenue, unit #301. (A

copy of the relevant page of Respondent's May, 2009, City National Bank statement is

attached as Exhibit 15 to the Staff Auditor's affidavit.) Respondent paid approximately

$524,000 to Irina Ball, the seller, instead of satisfying two Countrywide mortgages as

indicated on the HUD-1. (A copy of the HUD-1 is attached as Exhibit 16 to the Staff

Auditor's affidavit.) Respondent again indicates that this was done at the direction of

the seller . (A copy of the disbursement instructions is attached as Exhibit 17 to the

Staff Auditor's affidavit.) As the settlement agent, Respondent must satisfy the prior

mortgages and not shift that responsibility to the seller. Countrywide specifically

indicates this in the short sale agreement with Irina Ball dated May 7,2009, paragraph

7, which states "The sellers will not receive any proceeds from this short sale

transaction." (Copies of two Countrywide demand statements dated May 7, 2009,

regarding the two loans held on the subject property are attached as Exhibits 18 &

19.)

19. As of this date, Respondent has not provided complete real estate closing

records, complete check disbursement journals or title policies, thereby making it

impossible to complete a full audit. Respondent has not upheld his fiduciary

responsibility as a settlement agent nor has he produced complete real estate closing

documents and records despite being duly subpoenaed to do so. Based on the

underlying facts and the preliminary investigation of Respondent's bank records, as

reflected in the Staff Auditor's affidavit, Respondent represents the clear and present

harm contemplated by Rule 3-5.2, and an emergency suspension should be effected

forthwith.

WHEREFORE, The Florida Bar respectfully requests that Respondent,

GUILLERMO NAPOLEON LOPEZ, be suspended on an emergency basis pursuant to

the terms and conditions of Rule 3-5.2, Rules Regulating the Florida Bar, and that

Respondent be further ordered:

a. To accept no new clients from the date of this court's order and to cease

representing any clients after thirty days.

b. To immediately furnish a copy of Respondent's suspension order to all

clients, opposing counsel and courts before which he is counsel of record as required

by Rule 3-5. l(g) of the Rules of Discipline of The Florida Bar and to furnish staff

counsel of The Florida Bar with the requisite affidavit listing all clients, opposing

counsel and courts so informed within thirty days after receipt of this court's order.

c. To refrain from disbursing or withdrawing any monies from any trust

account, or any account in which client funds have been placed, without approval of

the Supreme Court or a Referee appointed by the Supreme Court or order of the circuit

court in which an inventory attorney has been appointed pursuant to Rule 1-3.8 of the

Rules Regulating The Florida Bar.

d. To deposit into a specified trust account all sums received from the

practice of law, whether as fees, costs, deposits, or trust funds, within the thirty day

period following the entry of the suspension order in this case and thereafter, and

immediately advise Bar Counsel, of the receipt and location of said funds.

e. To immediately notice, in writing, all financial institutions in which

Respondent maintains trust accounts and/or other account(s) in which Respondent has

placed client funds and any and all financial institutions identified in the foregoing

Petition for Emergency Suspension, of the provisions of Respondent's suspension and

to provide said financial institutions with a copy of this Court's order, and furthermore,

to provide Bar Counsel with a copy of the notice sent to each financial institution.

10

Respectfully submitted,

Authorized by:

WILLIAM MULLIGAN, Bar CounselFlorida Bar No. 956880The Florida Bar444 Brickell Avenue, Ste. M-100Miami, Florida 33131(305) 377-4445

:QiKENNETH L. MARVIN, Staff CounselFlorida Bar No. 200999The Florida Bar651 East Jefferson StreetTallahassee, Florida 32399-2300(850) 561-5600

JOHN F. HARKNESS, JR.Executive DirectorFlorida Bar No. 123390The Florida Bar651 East Jefferson StreetTallahassee, Florida 32399-2300(850) 561-5600

CERTIFICATE OF SERVICE

I HEREBY CERTIFY that the original of the foregoing Petition for

Emergency Suspension was sent via regular mail to the Honorable Thomas D. Hall,

Clerk, Supreme Court of Florida, 500 South Duval Street, Tallahassee, Florida 32399;

11

a true and correct copy was sent via certified mail return receipt requested no.

(7007 1490 0000 4185 6701), to Guillermo Napoleon Lopez, c/o Steven David Pinkert,

Esq., Attorney for the Respondent, 9100 S. Dadeland Blvd., Suite 1702, Miami,

Florida 33156; and a true and correct copy was sent via regular mail to William

Mulligan, Bar Counsel, The Florida Bar, 444 Brickell Avenue, Suite M-100, Miami,

Florida 33131; on this £7* day of o.U_ 2009.

KENNETH L. MARVINStaff Counsel

12

AFFIDAVIT

STATE OF FLORIDA ))S.S

COUNTY OF DADE )

Before me the undersigned authority, this day personally appeared Justin M. Garcia, who

being duly sworn stated:

1. My name is Justin M. Garcia. I am a Certified Public Accountant, licensed in the

State of Florida and employed as a Miami Branch Staff Auditor by the Florida

Bar.

2. I reviewed subpoenaed City National Bank documents from attorney Guillermo

N. Lopez, identified as: (1) Guillermo N. Lopez P.A, Trust Account, •HPBBPf

for the period of April, 2008 to May, 2009.

3. My review arose as a result of the Florida Bar's investigation of Maria T. Lopez.

Ms. Lopez was emergency suspended by the Florida Supreme Court on October

29, 2008. The investigation of Ms. Lopez disclosed the transfer of large sums of

monies to Guillermo N. Lopez, respondent who is Maria T. Lopez's brother.

4. A subpoena duces tecum was issued commanding respondent to appear before

The Florida Bar on May 13, 2009 and to produce at that time original bank

statements, canceled checks (front & back), check stubs, deposit slips, wire

transfers, cashier's checks issued with supporting documentation, receipt and

disbursement journals, client ledger cards, HUD-1 statements and balance sheet

for all real estate transactions, closing statements from any personal injury case,

bank and client reconciliations from the account identified as Guillermo N.

Lopez, Florida Bar Foundation IOTA, City National Bank account #{

and Guillermo N. Lopez, P.A, maintained at Colonial Bank account

and any and all trust accounts in which he has signatory capacity and any other

account in which the funds pertaining to clients were placed, for the period of

April 1, 2008 and January 1, 2007 respectively to the present. See Exhibit 1. In

addition, a subpoena was served on the both banking institutions.

5. Respondent subsequently asked for an extension and a new date of May 26, 2009

was granted. Respondent appeared on May 26, 2009 with some, but not all

complete records. Additional time was granted for respondent to produce the

records on June 19, 2009. Respondent appeared on June 19, 2009, with additional

records, but still not in full compliance with the subpoena. On June 23, 2009, our

office received additional records by courier. As with respondent's prior visits,

the more records delivered, the more questions arose.

6. On October 28, 2008, respondent received a wire transfer in the amount of

$353,678.97 into City National Bank account ^jjffffi from Maria T.

Lopez's City National Bank account #1403407231. See Composite Exhibit 2. I

was able to ascertain that the majority of these funds came from a Wells Fargo

wire to Darlene Fernandez Cams in the amount of $519,858.15 for the Dolores

Porter purchase of Irina Ball's property at 400 Alton Road #2309, Miami Beach,

FL. See Composite Exhibit 3.

1. Respondent explained this transfer as client and personal funds of Maria T. Lopez

which needed to be transferred to respondent in anticipation of Maria T. Lopez's

emergency suspension on October 29, 2008. Conveniently enough, Maria T.

Lopez is an authorized signer on respondent's City National Bank account

8. In April, 2008, Maria T. Lopez was added as a signer on respondent's City

National Bank Trust account#BBMHBR See Exhibit 4. Previously, in

November, 2007, Attorney Title revoked Maria T. Lopez's ability to write title

insurance. On April 23, 2008, the same time he added his sister as a signatory on

his account, respondent became an authorized agent of KEL Title and authorized

to write title insurance.

9. Respondent produced an itemized accounting of the $353,678.97, which

indicated that $222,060.00 was paid to Maria T. Lopez, $6,063.98 was still due

her and outstanding, respondent paid $125,554.99 to client related matters of

Maria T. Lopez. See Exhibit 5.

10. On November 26, 2008, respondent was wired $190,852.60 from Wells Fargo

relating to the Lidia Polo (buyer) and Jose R. Valdez (seller) transaction of 1601

Bay Road Unit 7 Miami Beach, FL 33139. See Composite Exhibit 6. According

to the HUD-1, the buyer was to bring $40,382.70 to the closing. See Exhibit 7. On

December 2, 2008, Irina Ball gave respondent a cashier's check in the amount of

$30,882.70 and Lidia Polo gave respondent a cashier's check in the amount of

$9,500.00 for a total of $40,382.70. See Composite Exhibit 8. On the same date,

December 2, 2008, respondent wired $40,382.70 back to Irina Ball. See Exhibit 9.

11. On December 1, 2008, respondent wired Irina Ball $67,200 and on December 19,

2008 respondent wired Irina Ball $100,000.00. See Exhibit 10. Neither the deed

nor buyer's mortgage in the Polo/Valdez transaction was ever recorded and the

seller's mortgage to Washington Mutual noted in the HUD-1, in the amount of

$204,769.10, did not get satisfied by respondent, nor does it appear to have been

satisfied at all. The seller's lender, Washington Mutual, had filed a notice of lis

pendens on October 24, 2008. This lis pendens was updated on 03/23/09. See

Composite Exhibit 11.

12. Respondent furnished disbursement instructions from Lidia Polo and Jose R.

Valdez giving instruction to respondent to submit payment to Irina Ball in lieu of

satisfying the seller's mortgage and basically shifting this responsibility to Irina

Ball. See Exhibit 12. As settlement agent, respondent is responsible to make sure

the monies are collected and disbursed in accordance with the HUD-1.

Respondent failed to produce the title policy, and when questioned further,

respondent was unable to produce a copy of the policy.

13. On April 27, 2009 respondent received $312,490.98 from Susan Friedman. On the

same date, April 27, 2009 respondent wired Irina Ball $250,000.00 per

instructions from seller Jose R. Gonzalez. See Exhibit 13. The instructions

indicated in lieu of satisfying Mr. Jose R. Gonzalez's mortgage at Washington

Mutual of $272,890.00, monies were to be given to Irina Ball and upon the sale of

Irina Ball's property at 6101 Aqua Avenue, respondent then could satisfy the

seller's mortgage with Washington Mutual. See Exhibit 14. This is a clear

violation of the HUD-1 payment protocol. Irina Ball received payment on her

property on May 13, 2009, and the seller's mortgage was satisfied.

14. On May 13, 2009 respondent was wired $674,648.36 from Pathman Lewis, LLP.

See Exhibit 15. Respondent paid approximately $524,000 to Irina Ball, the seller,

instead of satisfying two Countrywide mortgages as indicated on the HUD-1. See

Exhibit 16. Respondent again indicates that this was done as per the directions of

the seller. See Exhibit 17. As settlement agent, respondent must satisfy the prior

mortgage and not shift that responsibility to the seller. Countrywide specifically

indicates this in the short sale agreement with Irina Ball dated May 7, 2009

paragraph 7, which states "The sellers will not receive any proceeds from this

short sale transaction." See Exhibits 18 & 19.

15. As of this date, respondent has not provided complete real estate closing records,

complete check disbursement journals or title policies which make's it impossible

to complete a full audit. Respondent is not performing his fiduciary responsibility

to the public as a settlement agent, aiding and abetting an attorney who has been

emergency suspended and not producing complete real estate closing documents

and records. In my professional opinion, based on the underlying facts and the

preliminary investigation of respondent's bank records as reflected in this

affidavit, it is my conclusion that respondent represents the clear and present harm

contemplated by Rule 3-5.2, and an emergency suspension should be effected

forthwith.

FURTHER AFFIANT S AYEJHTOttKjHT.

Sworn to and subscribed beforeM e this L x f July 2009.

/ Justin M. jGarcia

NOTARY PUBLICMy commission expires: "5 / i / /

\ ENILERP.NEADLE% Commission DD 628555.?! Expires March 11,2011*"•" Bonded Tlmj Tray Fain Insurance 800-386-7019

IN THE SUPREME COURT OF FLORIDA(Before a Grievance Committee)

SUBPOENA DUCES TECUM

The Florida Bar File No.2009-71,042 (UN)

In Re: Complaint by of The Florida Baragainst Guillermo N. Lopez

Proceeding by The Florida Bar )Under the Rules of Discipline )

TO: Guillermo N. Lopez, Esq.759 NW 22nd AvenueMiami, Florida 33125

YOU ARE HEREBY COMMANDED to appear before Justin Garcia, Branch Auditor, at The Florida Bar. SuiteM- 1 00, Rivergate Plaza. 444 Brickell Avenue. Miami. Florida 33 1 3 1 . on Wednesday. May 13. 2009. at 10:00 a.m..and have with you the following documents:

• Original bank statements, canceled checks (front and back), check stubs, deposit slips, wiretransfers, cashier's checks issued with supporting documentation, receipt and disbursementjournals, client ledger cards, HUD-1 statements and balance sheet, executed title polices for allreal estate transactions, closing statements from any personal injury cases, bank and clientreconciliations from the account identified as Law Office of Guillermo N. Lopez, P.A IOTAmaintained at City National Bank, account i^jjjfjjff and all other trust accounts in whichyou have signatory capacity, any other account in which the funds pertaining to clients wereplaced for the period of April 2008 to the present.

• Also, please provide original bank statements, canceled checks (front and back), check stubs,deposit slips, wire transfers, cashier's checks issued with supporting documentation, receiptand disbursement journals, client ledger cards, HUD-1 statements and balance sheet, executedtitle polices for all real estate transactions, closing statements from any personal injury cases,bank and client reconciliations from the account identified as Guillermo N. Lopez, P.A,maintained at Colonial Bank, an min i /JBBBBP^ and all other accounts in which he hassignatory capacity, any other account in which the funds pertaining to clients were placed forthe period of January 2007 to the present.

For failure to comply as herein required, you may be deemed to be in contempt of the Supreme Courtof Florida

DATED this 0-^ day of , 2009.

RETURN OF SERVICEI CERTIFY that the foregoingsubpoena was served this " l

day of / ''-"- 2009 by

THE FLORIDA BARGrievance Committee 1 1 "N"

(method of service) ', y /- 1 .«* ~l " -' /•=->WILLIAM A. DEAN, ESQ., CHAIR

"Signature and Title of PersonMaking Service

I IN ACC ORDANCE WITH THt AMERICANS WITH DISABILITIES ACT PERSONS WITH DISABILITIES NEEDING A SPECIAL ACCOMMODATION SHOULD CONTAC FJl SI IN GARCIA. BRANCH AUDITOR. AT 1 HM LORIDA BAR WS'377-4445 NOT LAThR 1 HAN SEVEN (7) DAYS PRIOR TO THE PROCEEDING]

CITY NATIONAL BANK OF FLORIDA

GUILLERMO N LOPEZ P.A.October 31,2008

Page 2 of 2

Date10-0810-14 '

10-14 '

10-14 '

10-14 R10-14 '

10-14 '

10-17 '

10-21 '10-28 '

10-28 '

10-28 '

10-30 '

10-31 '10-31

CHECKSNumber99999999*9999*9999*

Description Additions SubtractionsCheck 9999 -1,750.00Wire Transfer-IN 129,416.84

NCKBY FNDG CENTURYMORTGAGE CO

Service Charge -15.00WIRE TRANSFER-IN

EFT Transfer -129,401.84TO ACC 01 403407231 DATE: 10-14-08TIME: 14:29:28

Check 9999 -6,750.00NSF Returned Item 6,750.00

CHECK 9999NSF Return Item Fee -33.00

FOR RETURN OF CHECK* 9999EFT Transfer -4,717.00

TO ACC 01 403407231 DATE: 1 0-1 7-08TIME: 13:58:05

Deposit 2,000.00EFT Transfer 353,678.97

FR ACC 01403407231 DATE: 10-28-08TIME: 19:07:51

EFT Transfer -15,000.00TO ACC 01 403407231 DATE: 10-28-08TIME- 20:26:27

EFT Transfer -2,000.00TO ACC 01 403407231 DATE: 10-28-08TIME: 18:58:07

EFT Transfer 7,535.34FR ACC 01403885507DATE: 10-30-08TIME: 1 1 :29:58

Deposit 4,050.00Ending totals 839,159.35 -718,030.04

R-Check has been returned

Date Amount Number Date10-03 150.00 9999 *R 10-141 0-08 1 98,81 6.88 * Skip in check sequence10-08 6,750.00 R-Check has been returned10-08 1,750.00

Thank you for banking with City National Bank Of Florida

Balance4,750.00

134,166.84

134,151.84

4,750.00

-2,000.004,750.00

4,717.00

0.00

2,000.00355,678.97

340,678.97

338,678.97

346,214.31

350,264.31$350,264.31

Amount6,750.00

( EXHIBIT

a •


MARIA T LOPEZ P.A.October 31,2008

Page 5 of 6

Date1 0-27 '

10-27 '

1 0-27 '

10-28 '

10-28 '

10-28 '

1 0-29 '

10-31

CHECKSNumber26762849*28502852*28532858*2859286028612862286328642867*286828692870287128722873287428752876

DescriptionPreauthorized Wd

CHASE EPAY081027

Preauthorized WdBANKCARD DISCOUNT081 027 461 6771 00045231

Preauthonzed WdBANKCARD DISCOUNT081027461677100045231

EFT TransferFR ACC 01403885523DATETIME 20.26.27

EFT TransferFR ACC 01403885523DATETIME 1858-07

EFT TransferTO ACC 01403885523DATETIME 190751

Wire Transfer-OutGUILLERMO N LOPEZPA

Ending totals

Date10-2310-0110-0110-0210-0210-0210-0210-0910-0310-0610-0710-1410-0910-1010-0810-10

15,10-28-08

2,10-26-08

10-28-08

Additions

000.00

000.00

545,919.22

Amount Number100.00200.00

66.06409.00409.00300.00300.00670.00427.23100.00700.00190.00345.00250.00100.0018.60

10-15 5,000.0010-1010-14 110-1710-15 110-16

20.00,424.00

65.00,600.00585.00

28772878287928802881288228832884288528862888*288928902891289228932895*28962897289828992903*

Subtractions-415.69

-845

-6.76

-353,678.97

-491.55

-915,380.77

Date10-1510-2010-1510-2210-2210-2210-2210-2310-1710-1710-1710-2010-1710-2410-2410-2010-2210-2110-2410-2410-2210-27

Balance351,694.18

351 ,685.73

351 ,678.97

366,678.97

368,678.97

15,000.00

14,50845

$14,508.45

Amount190.00

3,281.00100.00

1,010.00355.00320.00599.00

1 ,999.704,000.004,141.004,242.404,000.00

100.00355.00930.00500.00700.00695.00190.00100.00100.00585.00


FERNANDEZ CARUS, P.A.September 30, 2008

Page 2 of 2

Date09-29

09-29

09-29

09-30

09-30

09-3009-30

09-30

CHECKSNumber20629999 *

Description' Service Charge

WIRE TRANSFER-OUT' Wire Transfer-IN

LIS FUNDING ACCOUNT

' Service ChargeWIRE TRANSFER-IN

' Credit MemoREV. W/T FEE DTD 09/29/2008

' Credit MemoREV. W/T FEE DTD 09/29/2008

' Interest Credit' Interest Transfer

TO ACCOUNT NO 1 500000296

Additions

519,858.15

15.00

10.00

1.72

Ending totals 521,084.87

Date Amount Number09-26 32509-10 582

.00 * Skip in

.00

Subtractions-10.00

-15.00

-1.72

-524,487.28

Datecheck sequence

Balance-480,073.84

39,784.31

39,769.31

39,784.31

39,794.31

39,796.0339,794.31

$39,794.31

Amount

Thank you for banking with City National Bank Of Florida DC 2788

rMBER FDIC ACCESS YOUR ACCOUNTS) 24 HOURS A DAY WITH CltyTel. CALL 1-800-762-C1TY

"I™"1


MARIA T LOPEZ PASeptember 30,2008

Page 4 of 5

Date09-24 '

09-25 '

09-2509-2509-25 '

09-25 '

09-2609-2609-29 '

09-29 '09-29 '09-2909-29 '

09-2909-2909-2909-29 '

09-30 '

09-3009-3009-30

CHECKSNumber12322*2729*2811*28122814*2816*

DescriptionPreauthorized Wd

SALLIE MAE SLMA DEBIT080924

Preauthorized CreditAMERICAN EXPRESS SETTLEMENT080925 4098472632

Check 2834Check 2839Preauthorized Wd

AMERICAN EXPRESS ELEC REMIT080925

Preauthorized WdAMERICAN EXPRESS AXP DISCNT080925 4098472632

Check 2729Check 2846Wire Transfer-IN 519,

FERNANDEZ CARUS, P.A

Office Deposit 2,Office DepositCheck 2856

Additions

500.00

85815

146.53150.00

POS PurchaseMERCHANT PURCHASE TERMINAL 449279JENNY CRAIG 960 MIAMI Fl4856440000005954 SEQ # 8270231 1 8000

Check 2840Check 2855Check 2851Preauthorized Wd

BELLSOUTH SBS0809292040178

Wire Transfer-OutIRINA BALL

Check 2848Check 9999Ending totals 685,071.60

Date Amount Number09-18 3,429.0009-15 355.0009-26 17,850.6309-03 100.0009-15 500.0009-04 427.2309-10 545.00

2817281828192821 *282228232824

Subtractions-230.05

-599.00-545.00-272.33

-14.75

-17,850.63-190.00

-14.00-56.63

-12,856.50-1,917.02

-65.00-487.38

-148,872.65

-722.25-100.00

-339,978.95

Date09-0809-1809-1009-1209-0909-1209-08

Balance45,878.46

46,378 46

45,7794645,234.4644,962.13

44,947 38

27,096.7526,906.75

546,764.90

548,91143549,061.43549,047 43548,990.80

536,134.30534,217.28534,152.28533,664.90

384,792.25

384,070.00383,970.00

$383,970.00

Amount1 ,600.00

340.00100.00125.00301.00

3,481.00630.00

AJbW ACCOUNT INFORMATION

TEMPORARY I I REPLACEMENT

DATE 04/18/2008 OPENED BY 001B5 SAND

City National Bank of Florida8725 NW 18th TerraceMiami, FL 33172

0000014 DORAL OFFICE

ACCOUNT INFORMATIONAMOUNT OF DEPOSIT * .00 PLAN*

TITLE OF ACCOUNT cuillermo N Lopez P. A.Trust Account

759 NW 22 AveMiami Fl 33125

OWNERSHIP TYPE Corporation/•RODUCTNAME +Conunercial DDA-AASWordi, numbtri or phraui preceded by « | | »• eppliceble only II Iht

ACCOUNT NUMBER \

1COUNT T.I.N. 5-3912441

It marked.

BUSINESS ENTITY INFORMATIONBUSINESS NAME AND ADDRESS

Guillermo N Lopez P.A.Trust Account

759 NW 22 AveMiami Fl 33125ASSUMED NAME IF D/BM

CONTACT NAME Guillermo N LopezCONTACT TITLE PresidentCONTACT PHONE 305~649—0105OTHER

BUSINESS FILING STATE Fl O r i

ENTITY DOCUMENT S UnB i Z*

LAST FILING DATE

FILING EXPIRATION

DATE ESTABLISHED

NATURE OF BUSINESS

PRIMARY LOCATION

RESOLUTION DATE

E-MAIL ADDRESS

FACSIMILE AUTHORIZATION ON FILE

09/26/200

09/26/2005Law OfficeMiami, Florida11/08/2007

TAXPAYER IDENTIFICATION NUMBER CERTIFICATIONcertify under penalties of perjury that the taxpayer identification number (TIN) provided is correct, I am a U.S. person (including a U.S. resident alien),

and I am either exempt from backup withholding under Internal Revenue Service regulations, or I am not subject to backup withholding.The above statement is true with the exception that:

I am subject to backup withholding because of underreported Interest and dividends.

I have applied or will soon apply for a TIN. If one is not provided to this institution within 60 days from today, I will be subject to backupwithholding.

I am a^Foreign Recipient and have provided this institution with the appropriate Form W-8 certification.

*LSIGNATURED Guillermo

President

APR 2 5 200BDATE Taxpayer Identification Number: 20-3912441

ADDITIONAL TERMS

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT. To help the government fight the funding of terrorism andmoney laundering activities. Federal law requires all financial institutions to obtain, verify, and record information that Identifies each person who opensn account.

A/hat this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us todentlfy you. We may also ask to see your driver's license or other Identifying documents.

ACKNOWLEDGMENT. By signing this document, the undersigned acknowledge that they have opened the type of account designated above, andave received, understand and agree to be bound by the terms of the Account Agreement for that account type. If this is a consumer account, thendersigned acknowledge receipt of an Account Disclosure, and a copy of this institution's Privacy Policy. The undersigned also acknowledge receipt,

where applicable, of this institution's Funds Availability Policy and/or Electronic Fund Transfer Agreement. If this account is opened in the name of theusiness entity, all signers are acting on behalf of the business entity. All signers authorize this institution to make inquiries from any consumereporting agency, including a check protection service, in connection with this account.

' OF SIGNATURES REQUIRED: 1

| | AuJJM^ad Slonel Only~| I FACSIMILE ALLOWED

.: Authorized Signer

APR 2 5 2008Data

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User ID :Message Status :Value Date :Date :Time:URC :Test Key:Branch Code :Fee :Pin :Ext Ref:Skpcallbck :Tkprf :TranCode :SkipHost:REU ID :Version :Sender ABA :Sender Name :Receiver ABA :Receiver Name :Msg Type :Msg Subtype :Product code :Amount:Reference :Originator ID CodeOriginator ID :ORG :Originator AddressOriginator AddressOriginator AddressOGB Idcode :OGB Id :OGB :OGB Add 1 :OGB Add 2 :OGB Add 3 :

RODRIGALCOMPLETE11/26/0811/26/0815:29

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NaNDORAL0

WELLS FARGO SF

CITY NB OF FLA1000CTR189,104.832008112600077633AC3500332478LIS FUNDING ACCOUNTWELLS FARGO HOME MORTGAGE INC1 HOME CAMPUS X2401-038DES MOINES IA 50328-0001

EXHIBIT

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INS Idcode:INS Id :INS:INSAdd1:INSAddZ:INSAddS:IBK Idcode:IBK Id :IBK:IBKAddl:IBKAddZ:IBKAddS:BBK Idcode :BBK Id :BBK:BBKAddl:BBKAdd2:BBKAddS:BNF Idcode :Beneficiary ID:BNF:Beneficiary Address :Beneficiary Address:Beneficiary Address:Ref for Ben:Originator to Beneficiary InfoFI to FI Information :As of reason :As of date:Reference IMAD:IMAD :OMAD :

Charges:Freetextl:Free textZ :Corcode :Corid :cor :coraddr:coraddr:coraddr:

AC1403885523GUILLERMO N LOPEZ PA TRUST ACC

101052588039399 0093594752 POLO LIDIA POLO<6500>0093594752 039399*

20081126I1B7031R02675820081126F6B7021C00021811261527FT01BEN

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FLAVIABCOMPLETE11/26/0811/26/0816:58

00140.00

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NaNDORAL0

WELLS FARGO SF

CITY NB OF FLA1000CTR1,747.772008112600091860AC3500332478LIS FUNDING ACCOUNTWELLS FARGO HOME MORTGAGE INC1 HOME CAMPUS X2401-038DES MOINES IA 50328-0001

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INS Idcode :INS Id :INS:INSAddl:INSAdd2:INSAddB:IBK Idcode :IBK Id :IBK:IBKAddl:IBKAddZ:IBKAddS:BBK Idcode :BBK Id :BBK:BBKAddl:BBKAdd2:BBKAdd3:BNF Idcode : ACBeneficiary ID : 1403885523BNF : GUILLERMO N LOPEZ PA TRUST ACCBeneficiary Address :Beneficiary Address :Beneficiary Address :Ref for Ben : 101052853Originator to Beneficiary Info : 039399 0093594752 POLO LJDIA POLOFI to FI Information : {6500)0093594752 039399*As of reason :As of date :Reference IMAD :IMAD : 20081126I1B7031R031835OMAD : 20081126F6B7021C00024911261657FT

01Charges: BENFreetextl :Free text2 :Corcode :Corid :cor :coraddr:coraddr :coraddr:

http://pam:8080/WireHouse/General/WHCBlank.html 3/27/2009

MOV 27 ?008 11:3SRM HP LRSERJET FRX I5'1

rtiflj-1 U.S. Department of HousingA. Settlement Statement and urt)an Development QMS No. 2502-0265

B. Type of Loan

O 1.FHA

Q *. VA'

Q 2. FmHA O 3- Com. Unins.

9 5. Cohv. Ins.

6. File Number

2008-135

7. Loan Number

ID:

B. Mortg. Ins. Case Num.

C. NOTE:This form Is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Itemsmarked "(p.o.c.)" were paid outside the closing: they ere shown here for Informational purposes and are not included In the totals.

D. NAME OF BORROWER:Address of Borrower

E. NAME OF SELLER:

Address of S«lkr

f. NAME OF LENDER'Address at Lender:

G. PROPERTY LOCATION:

H. SETTLEMENT AGENT:Place of Settlement:

I. SETTLEMENT DATE:

LIDIA POLO1601 Bey Road, Unit #7, Miami Beach, Florida 33139

JOSE R. VALDE2, a single person

WELLS FARGO BANK NA11401 SW 40 Street , 0250. Miami, Florida 33165

1601 Bay Road, Unit #7, Miami Beach, Florida 33139

GUILLERMO N. LOPEZ, P.A.769 NW 22 Avenue, Miami, Florida 3312S

TIN:

TIN:

Phone:11/26/08 DISBURSEMENT DATE: 11/26/OB

101. Contract sates price 243,000.00 401. Contract sales price 243,000.00102. Personal property 402. Personal property103. Settlement charges lo borrower [Line 1400) 5,555.60 403.

104.405.

106. Cily/town taxes 406. City/town taxes107. County taxes 407. County taxes10B. Assessments 408. Assessments109. 409.110. 410.111. 411.112. 412.120. Gross amount due from borrower: 248.S5S.60 42D. Gross amount due to seller: 243,000.00

201. Deposit or earnest money S01. Excess deposit (see Instructions)202. Principal amount of new loan(s) 194,400.00 502. Settlement charges to seller (line 140D) 24,456.00203. Existing loan(s) laKen subject to 503. Existing loan(i) taken subject to204 Principal amount of second' mortgage 504. Payoff of first mortgage loan 204.769.10205. 505. Payoff of second mortgage loan206. 506. Deposits held by seller207. Principal ami of mortgage held by seller 507. Principal amt of mortgage held by seller208. 506.208. Seller conlribulion

210. City/town taxes211. County taxes from 01/01/08 to 11/26/08212. Assessments213.

214.

215.216.

217218.219.220. Total paid by/for borrower

5,555.60 509. Seller contributiongamittsaiBairop510. Clty/tovm (axes

5,555.81

8,217.30 511. County taxes from 01/01/08 to 11/26/08 (1,217.30512. Assessments513.

514.

515.

516.

517

518.

519

301. Gross amount due from Borrower(line 120)

208,172.90

248,555.50

520. Total reductions In amount due seller:

601. Gross amount due to seller(line 420)

243.000.0C

243,000.0

302. Less amount paid by/for the borrower(line 220)

(208,172.90 602. Less total reductions in amount due seller(line 520)

(243,000 00

303. Cash ( |Z From Q r° ) Borrower 40,382.70 603. Cash ( Q T° D Fn™ ) Seller: 0.0

lubsmuW Form 1099 Seller Stalernene The information contained In blooKs E, G. H, and I and on line 401 Is important tax information and Is being.mushed to the !RS If you are required to file a return, a negligence penalty or other sanction will be imposed on you if this Item is required to be reported andie IRS determines that it has not been reported.

i>U»r Instructions: If this real estate was your principal residence, file Form 2119, Sale or Exchange of P nnclpal Residence, tar anyeturn; for other transactions, complete the applicable parts of Form 4797, Form 3262 and/or Schedule D (Form 1040).

orrower'a Iniiialfa): .

nowHUD-1

iitdsaHll HK LHSERJET FRX

',S. Department of Housing and Urban Developmei

p.Z

Page 2

01.02.

00. Total Sales/Brokers Com, baaed on price t243.000.POi8 5.0000%= 12,150.00

6,075.00 2.5000 % 10 USA COMMERCIAL

6,075.00 2.5000% ID REAL ESTATE TEAMMATES

Borrower'sFunds at

Settlement

Seller'sFunds at

Settlement

13. Commission paid at settlement 12,150.00

Ot loan origination.tee

102. Loan discount % to WELLS FARGO BANK NA 972.0033. Appraisal fee to RELS 450.00

04. Credit report to RELS 55.00

05, Extend Loch fee to WELLS FARGO BANK NA 486.00

)S. 'Processing fee to WELLS FARGO BANK NA 395.00

07. Flood life of loan fee to WFF5 19.0008. Tax service foe to WFR6ETS 78.0009. Underwriting fee to WELLS FARGO BANK NA 400.0010.11.

01. Interest from 11/26/136 1o 12/01/08 @ 41.2800 /dav 206.40

02. Mortgage insurance premium for months to03. Hazard insurance premium for years to04. Flood insurance premium for years to FIDELITY NATIONAL FLOOD 186.00

001. Hazard Insurance months & per month002 Mortgage insurance months @ per month.003. City property taxes months @ per month|Q04 County property taxes months IS per monthI005. Annual assessments months @ per month006, Flood Insurance months ffl per monthIOD7. months @008, months <@ per month009. Aggregate accounting adjustmentPaptetlfislifejiateaiagpllp101. Settlement or closing fee to GUILLERMO N. LOPEZ, P.A. 575.00 575.00

1102. Abstract ortllle search to GUILLERMO N. LOPEZ, P.A. 450.00 450.0C

1103. Title examination to OUILLERMD N. LOPEZ, P.A. 500.00

1104. Title insurance binder to1105. Document preparation to GUILLERMO N. LOPEZ, FA. 575.0

1106. Notary fees to1107. Attorney's Fees

(includes above Item numbers:

1108. Title Insurance

(Includes above Item numbers:

110B. Lender's coverage (Premium): S194,400.00 (SO.OO)

1110. Owner's coverage (Premium): 8243,000.00 (SO.00)

1111, Endorse:

1112. Processing fee to GUILLERMO N. LOPEZ. PA 5.000.0C

1113. Lien search

1201. Recording tees Deed

to GUILLERMO N. LOPEZ, PA.

$100.00 Mortgaged)

250.0C

$250.00 Releases 360.00

1202. City/county tax/stamps Deed Mortgaged! $388.80 366.80

1203. State tax/stamps Deed $1,45800 Moftoaoe(s) $680.40 68040 1,458.0

1204

1205.

1301. Survey

1302. Pest Insoechon

1303.

1304. Payoff HOA to BAY SIXTEEN CONDOMINIUM 4,000.0

1305.

1307.1308.1309.

(Enter on Unas 103rSectton J and 502. Section K) 5,555.60 24,458.0

I have carefullymy account or by me

LIDIA POLO

;the HUD-1 Settlement Statement and to the bast of my knowledge am) belief, it to a Irueehd accurate ststemint of all recaipls and disbursements maaa ontrainacten. I further certify met I have received a copy of (he HUD-1 Settlement State/iwnt,.

. Borrower

Borrower

. Seller

. Seller

The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transaction. I have caused, or will cause, the funds to be disbursed In accordanceivfth this statement.

0UILLERMO N. LOPEZ, PAtt/2L>lC.. ___ (

As Its Authored RepresentativeWARNING: It it a otna to knowingly nwKe false sttlementB lo me United Stoles on this or any other imllar torn. Penalties upon conviction can include a Unaind Imprisonment, For details see; Tine '6 U.S. Code Section 1001 and Section 1010.

DoubleTlme®

Fage i

DEPOSIT TICKET CHECKING ACCOUNTDEPOSITED IN

$ City National Bank

DATEDEPOSITED FOB THE ACCOUHT OF

NAM \\esnrjDDEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL

ACCOUNT NUMBER

SIOK MER£ FOR CASH RECEIVED IF REQUIRED)

Img: Deposit - 12/02/2008

SUBTOTAL

LESS CASH

NETDEPOSIT $

°lSOO OO

013140004 H3 £2SS88EOi'lT-H 6 3ft

5°is

Img: Deposit - 12/02/2008

03/27/200y page ±

1600686317

0000791

U "W&CHOVIA

GUILLERMO LOPEZ TRUST ACCOUNT

12/01/2008

$

2 "THIRTY THOUSAND EIGHT HUNDRED EIGHTY TWO DOLLARS AND 70 CENTSWachova Bank. National Association

IRINA J. BALL

Remitter Authorized Signature

$30,882.70

Dollars

Img: Transit - 12/02/2008

ffEB :iiii

ci 6 8 0 4 3 6 7 > f j i - j l 4 0 U 0 2 2 0 0 8 1 2 0 2 C C 1 2 4


0 3 / 2 7 / 2 0 0 9 Page i

_ _HOtO DOCUUENT UP TO THE LIGHT TO VIEW TRUE WATERMARK

4012087

,- ^_, ™le ***GUILLERMO LOPEZ P A * * *s. Order Of

'§|S "NINE THOUSAND FIVE HUNDRED DOLLARS AND 00 CENTS

Wachovia Bank. National Association

* * « L I D I A POLO1***

- Remitter

HOLD DOCUMENT UP TO THE LIGHT TO VIEW TRUE WATERMARK

Authonzedsignati

1600645117

11/26/2006

$ $ 9 , 5 0 0 . 0 0

Dollars


If!

li

6 0 0 ^ 3 6 7 ' 013140003 : & 0 8 1 2 U 2 001 24


MID:081202141851SAOOMessage - Text:

CITY NATIONAL BANK

User ID : ARESSMessage Status : COMPLETEValue Date : 12/02/08Date : 12/02/08Time : 14:57URC:Test Key :Branch Code : 014Fee: 0.00Pin :Ext Ref:Skpcallbck: NaNTkprf:TranCode:SkipHost: NaNREU ID : DORALVersion: 0Sender ABA :Sender Name :Receiver ABA:Receiver Name :Msg Type :Msg Subtype :Product code :Amount:Reference :Originator ID Code :Originator ID :ORG :Originator Address :Originator Address :Originator Address :OGB Idcode :OGB Id :OGB:OGBAddl:OGBAddZ:OGBAddS:

http://pam:8080AVireHouse/General/WHCBlank.html

WACHOVIA BK NA FL1000CTR40,382.70081202141851SAOOAC1403885523GUILLERMO N LOPEZ P.A.759 NW 22 AVEMIAMI FL 33125-3365MIAMI,FL

3/27/2009

INS Idcode :INS Id :INS:INSAdd1 :INSAdd2 :INSAddS :IBK Idcode :IBK Id :IBK:IBKAddl:IBKAddZ:IBKAddS:BBK Idcode :BBK Id :BBK:BBKAddl:BBKAdd2:BBKAddB:BNFIdcode :Beneficiary ID :BNF :Beneficiary Address :Beneficiary Address :Beneficiary Address :Ref for Ben :Originator to Beneficiary Info :

FI to FI Information :As of reason :As of date :Reference IMAD :IMAD:OMAD :Charges :Freetextl :Free text2 :Corcode :Corid :cor :coraddr :coraddr :coraddr :

FW067006432Wachovia BankBoca RatonBoca Raton,FL -

AC1090012798513IRINA BALLMIAMI, FLORIDA

PURPOSE OF WIRE: PAYOFF LOAN/POB/VALDES

20081202F6B7021C000175

http://pam:8080/WireHouse/General/WHCBlank.html 3/27/2009

CITY NATIONAL BANK OF FLORIDA8725 NW18TH TerrMiami FL 33172

Last statement: November 30, 2008This statement: December 31, 2008Total days in statement period: 31

|000000000000|GUILLERMO N LOPEZ P.A.TRUST ACCOUNT759 NW 22 AVEMIAMI FL 33125-3365

Direct inquiries to305-994-7780

City National Bank Of Florida8725 NW18TH TerrMiami FL 33172

CITY NATIONAL BANK IS PARTICIPATING IN THE FDIC'S TRANSACTION ACCOUNTGUARANTEE (TAG) PROGRAM, WHICH FULLY GUARANTEES ALL NONINTEREST-BEARING TRANSACTION ACCOUNTS BY THE FDIC THROUGH DEC. 31,2009. IOTA AND NOW ACCOUNTS THAT PAY LESS THAN 0.50% ARE ALSOCOVERED FOR THE FULL AMOUNT IN THE ACCOUNT THROUGH DEC. 31, 2009.NOW ACCOUNTS OVER 0.50% ARE COVERED BY FDIC GENERAL INSURANCEDEPOSIT RULES.

City Smart Checking Account

Account numberEnclosuresLow balanceAverage balance

25$283,400.79$455,553.38

DAILY ACTIVITYDate11-3012-01 '

12-01 '

12-02 '12-02 '

12-02 '

12-02 '

12-03 '12-0412-1612-16

Description AdditionsBeginning balanceWire Transfer-Out

IRINA BALLService Charge

WIRE TRANSFER-OUTDeposit 40,382.70Wire Transfer-Out

IRINA BALLService Charge

WIRE TRANSFER-OUTPreauthorized Wd

MDC REAL ESTATE 3053755452081202

Deposit 20,000 00Check 5006Check 5015Check 5017

Subtractions

-67,200 00

-2500

-40,382.70

-2500

-7,688 38

-420 00-1 ,040 00

-615.00

Balance$463,079 48

395,879 48

395,854 48

436,237.18395,854.48

395,829 48

388,141 10

408,141 10407,721 10406,681 10406,06610

EXHIBIT

/o


GUILLERMO N LOPEZ P.A.December 31,2008

Page 2of 3

Date12-1612-1612-1712-1812-19

12-19

12-22

12-22

12-2312-2312-23

12-24

12-24

12-2412-2412-2412-2412-2412-2412-2612-2612-2612-2612-2912-3012-3012-3012-3112-3112-3112-3112-31

CHECKSNumber50065014*

Description AdditionsCheck 5014Check 5016Check 5018

1 Deposit 340.001 Wire Transfer-Out

IRINA BALL' Service Charge

WIRE TRANSFER-OUT1 Wire Transfer-iN 353,436.48 ^ /

LIS FUNDING ACCOUNT

1 Service ChargeWIRE TRANSFER-IN

' Deposit 6,031.77Check 5023

1 Preauthorized WdDELUXE CHECK CHECK/ACC.081223

1 Wire Transfer-OutMIAMI DADE REALTY11 D/B/A

' Service ChargeWIRE TRANSFER-OUT

Check 5038Check 5039Check 5036Check 5035Check 5041Check 5031Check 5025Check 5052Check 5051Check 5050Check 5032Check 5049Check 5024Check 5034Check 5046Check 5033Check 5030Check 5048Ending totals 420,190.95

Date Amount Number12-04 420.00 501512-16 500.00 5016

Subtractions-500.00-385.00-80.00

-100,000.00

-25.00

Balance405,566.10405,181.10405,101.10405,441.10305,441.10

305,416.10

-^ 658,852.58

I/-15.00 /

-5,1 74.01 /-34.00

-11,075.00 ^

('-25.00 /

-4,308.66 "--10.60 i/

-14,800.00-11, 368.47 \X

-375.00 \^-340.00-409.00

-2,819.63-26.00-21.72

-355.00-735.00-180.00-10.00

-329,290.77 u^-60.00-40.00-10.70

-599,869.64

Date12-1612-16

658,837.58

664,869.35659,695.34659,661.34

648,586.34

/

648,561.34

644,252.68644,242.08629,442.08618,073.61617,698.61617,358.61616,949.61614,129.98614,103.98614,082.26613,727.26612,992.26612,812.26612,802.26283,511.49283,451.49283,411.49283,400.79

$283,400.79

Amount1,040.00

385.00

iiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiniiiniiiCPN 2OOSROSA7SO1

i < OR Bk 26423 Pss 07*7 - 7*85 C2pss>

IN THE CmCUTT COURT OF THE ELEVENTH | HARVaERUVIH?*CLERK 0°' COURTJUDICIAL dRCUrriN AND FOR DADE COUNTY, FLORIDA | HIArll-DADE COUNTY» FLORIDA

CIVIL ACTION

WASHINGTON MUTUAL BANK,Plaintiff,

//w /. ;^ w~ (\ /4~ vJ t*CASE NO.DIVISION f C»-

JOSE R VALDES; THE UNKNOWN SPQUSE OF JOSE R VALDES; MELANIE VALDES; ANY ANDALL UNKNOWN PARTIES CLAIMING BY, THROUGH, UNDER, AND AGAINST THE HEREINNAMED INDIVIDUAL DEFENDANTS) WHO ARE NOT KNOWN TO BE DEAD OR ALIVE,WHETHER SAID UNKNOWN PARTIES MAY CLAIM AN INTEREST AS SPOUSES, HEIRS,DEVISEES, GRANTEES, OR OTHER CLAIMANTS; WASHINGTON MUTUAL BANK F/K/AWASHINGTON MUTUAL BANK, FA; BAY SIXTEEN CONDOMINIUM INC; STATE OF FLORIDA;TENANT #1, TENANT #2, TENANT #3, and TENANT #4 the names being fictitious to account for parties inpossession

Defendants).

NOTICE OF L1S PENDENS

ts)

You are notified of the institution of this action by the above-named Plaintiff against you seeking to foreclose a

mortgage recorded in Official Records Book 25717, Page 3671, on the following property in DADE County, Florida:

APARTMENT NO. 7, IN THAT CONDOMINIUM DESIGNATED AS BAY SIXTEENCONDOMINIUM INC, TOGETHER WITH AN UNDIVIDED INTEREST TO ALL THE COMMONELEMENTS WHICH ARE APPURTENANT TO SAID APARTMENT IN ACCORDANCE WITHSAID DECLARATION OF CONDOMINIUM FILED FOR PUBLIC RECORDS UNDER CLERK'SFILE NO. 64R-62130 OF THE PUBLIC RECORD OF DADE COUNTY, FLORIDA; WHICHCONDOMINIUM PARCEL IS LOCATED ON LOT 18, ACCORDING TO THE ALTON BEACHREALTY COMPANY'S PLAT OF THE SUBDIVISION OF BLOCK 44, OF ALTON BEACH BAYFRONT SUBDIVISION, RECORDED IN PLAT BOOK 6, PAGE 166, PUBLIC RECORDS OF DADECOUNTY, FLORIDA.

FILE_NUMBER: F08085850 DOCJD: M000105

Book26623/Page747 CFN#20080867801 Page 1 of 2

OR BK 26623 PGLAST PAGE

TOGETHER WITH AN UNDIVIDED INTEREST IN COMMON ELEMENTS APPURTE NANTTHERETO AS SET FORTH IN SAID DECLARATION

Dated this day of C)&r . 2008.

Florida Default Law Group, P.L.P.O. Box 25018Tampa, Florida 33622-5018(813) 251-4766

By:.Michael R. EspositoFlorida Bar No. 0037457Andrea D. Pidala M^HRISTINA N. RILEYHonda Bar No. 0022848 FLORIDA BARAnne M. Cruz-Alvarez MO 46836Florida Bar No. 17140

WMFIDELrrY-CONV-R-ldurtiiMier

Book26623/Page748 CFN#20080867801 Page 2 of 2

4- IN THE CIRCUIT COURT OF THE ELEVENTH JUDICIAL CIRCUITIN AND FOR MIAMI-DADE COUNTY, FLORIDA ^

CIVIL ACTION

WASHINGTON MUTUAL BANK,Plaintiff,

vs.CASE NO.: 13-2008-CA-062929DIVISION: 06

JOSE R. VALDES , et al,Defendant(s).

NOTICEi OF/VO UNTARY DISMISSASMISSALQE DEFENDANT

You are hereby notified that pursuant to Rule 1.250, Fla. R. Civ. P. the Plaintiff voluntarily dismisses THE

JJNKNOWN SPOUSE OF JOSE R.-VALDES. TENANJJ2,TENANTJJ, and TEN ANTJWr the names being

fictitious to account for parties in possession; from the above-styled action without prejudice.

I HEREBY CERTIFY that a true and correct copy of the foregoing has been furnished by U.S. Mail to all

parties listed on the attached service list on this ^--> day of March, 2009.

Florida Default LP.O. Box 25018Tampa, Florida(813) 251-4766

., P.L.

By: ^_Michael R. Esposi\oFlorida Bar No. 0037457Andrea D PidalaFlorida Bar No 0022848Anne M. Cruz-AlvarezFlorida Bar No. 17140

FILE_NUMBER F08085850 DOC ID: M005900

Bk 26803 Pg 4198 CFN 20090221680 03/26/2009 13:14:55 Pg 1 of 2 Mia-Dade Cty, FL

Service List

JOSE R. VALDES950 79th Terrace Apt 2Miami Beach, FL 33141

WASHINGTON MUTUAL BANK F/K/A WASHINGTON MUTUAL BANK, FAc/o c/o LEGAL DEPARTMENT, R.A.2273 NORTH GREEN VALLEY PARKWAYHENDERSON, NV 89014

BAY SIXTEEN CONDOMINIUM INC.c/o NEMEROFF, JULIA, R.A.1601 B A Y R D t f lMIAMI BCH.FL 33139

STATE OF FLORIDAc/o Katherine Femandez-Rundle, State Attorney 11 th JC, R.A.E. R. Graham BuildingI 3 5 0 N W 12th AveMiami, FL 33136

MELANIE VALDES2155 West 52 StreetHialeah, FL 33016

TEN ANT #11601 BAY ROAD APARTMENT # 7MIAMI BEACH, FL 33139

3k 26803 Pg 4199 CFN 20090221680 03/26/2009 13:14:55 Pg 2 of 2 Mia-Dade Cty, FL

GUILLERMO N. LOPEZ, P.A.759 NW 22 Avenue, 2nd Floor

Miami, Florida 33125(305)649-0105

Disbursement Instructions(Purchase)

Borrower L1DIA POLOProperty, 1601 Buy RUSH], Unit ff7, Miami Bench, FLClosing Date- 11/26/08File Number: 2008-US

GUILLERMO N. LOPEZ, P.A. (Closing Agent) is hereby authorized to disburse the Borrower's funds as follows:

We, LIDIA POLO and JOSE R. VALDEZ, do hereby instruct and authorize ihc Law Offices o("Guillermo N. Lope?,P.A. lodisbuise:

567,200.00 to 1RINA BALL (Initial 1 lere _)SI00.000.00 to 1R1NA BALL (Ini t ia l Hcre_^ )

I R I N A BALL will be responsible for submitting the payoff proceeds to WASHINGTON MUTUAL.

LIDIA POLO

EXHIBIT


Last statement: March 31, 2009This statement April 30, 2009Total days in statement period: 30

J3312533659911GUILLERMO N LOPEZ P.A.TRUST ACCOUNT759 NW 22 AVEMIAMI FL 33125-3365

Direct inquiries to:305-994-7780


City Smart Checking Account

Enclosures 14Low balance $578,477.80Average balance $593,227.09

DAILY ACTIVITYDate Description Additions03-3104-0204-06

04-06

04-0604-0704-0704-0704-0704-0904-0904-10

04-10

04-1004-1004-1004-1604-1704-1704-2304-2704-27

Beginning balanceCheck 5104

1 Wire Transfer-OutLAWRENCE M WEISBER $ fGPA

1 Service ChargeWIRE TRANSFER-OUT

Check 5100Check 5113Check 5111Check 5112Check 5110

1 Deposit 4,831.25Check 5106

' Wire Transfer-OutIRINA BALL

' Service ChargeWIRE TRANSFER-OUT

Check 5115 ffCheck 5107Check 5105Check 5109Check 5117Check 5118

1 Deposit 265.001 Deposit 312,490.981 Deposit 3,000.00

Subtractions

-460.14-4,950.00

-25.00

-585.00-1,134.17

-993.28-322.50-50.05

-375.00-4,675.00

-25.00

-11,100.00-1,000.00

-635.00-228.50-355.00-355.00

Balance$600,915.19600,455.05595,505.05

595,480.05

594,895.05593,760.88592,767.60592,445.10592,395.05597,226.30596,851 .30592,176.30

592,151.30

581 ,051 30580,051 .30579,416.30579,187.80578,832.80578,477.80578,742.80891,233.78894,233.78

r n p i ' Fbi v;i JP Af v '.TUf.T Sv .'- HOl'PS * DA1) V.rTH C itvlr-l C4U p051 3« i DacV) Ol 1 -SOO-7fi^-CITv (ChitSKie


GUILLERMO N LOPEZ P.A.April 30, 2009

Date Description Additions Subtractions

Page 2 of 2

Balance04-27 ' Wire Transfer-Out

IRINA BALL-250,000.00 644,233.78

04-27 ' Service ChargeWIRE TRANSFER-OUT

04-29 Check 5121

-25.00

-409.00

644,208.78

643,799.7804-30 Ending totals 320,587.23 -277,702.64 $643,799.78

CHECKSNumber51005104*5105510651075109*51105111

Date04-0604-0204-1004-0904-1004-1604-0704-07

Amount585.00460.14635.00375.00

1,000.00228.5050.05

993.28

Number511251135115*5117*51185121 *

Date04-0704-0704-1004-1704-1704-29

Amount322.50

1,134.1711,100.00

355.00355.00409.00

* Skip in check sequence

Thank you for banking with City National Bank Of Florida

759 N\V 22 A\emic . 2lk! MoorMiami. Floricki 33 I 25

(305) 0-19-0105

[Purchase)

5225 Collin*. \u-nue, I n i t I D K i , Mi.uiu Be.nh, K l .Apt il 2", 2(109

i iv- Sunk' FRI! DM \N IVl- ( ,O\/ , \U /

1,1 11.1,1.R\H) N. 1 01T-/.. I'. \ .« ] i , - \ n ' U j m ' ^ i . v - u - h s .iu;hu-i/cJ I , . . . l i vMi ' - J i l a -De l i c t • funJ .-- i , > l l i . \ \ -

I JOSI C;ON/,.\1J"/ do"s.icb\ iimnii.-! .uul .•uil ion/i- i l ic I ,iv. ( i f i l t t . - o l f n i i l l v n i u ) \ I uinv. P \ m Ji--b,ir>.-

^ : : ; 0 ( J i M i t l U l ( > i R I \ \ BM i

^i- : i i u i i O U in IRJN \ H \1 is^ Odd (iv to 1K1NA IUI.I

IK!\ \ HA I 1 -.hall iv ]!.-,j\!n'.ibL 1m itpl.Kini: UIJ-M. lunj-. its t>ulc: lo >-uoiiii! SJ.Li's ^ \ ^ ^ l . ^ ( ^ l in \\ \s l l i \u I < i\Ml II \l i!\\'K iiiiir ihc vile o! !KT puiptii\ ,il ( > I O I \qu.i A\cnvn.\ 1 nil "UH

EXHIBIT

X.Y


Last statement: April 30, 2009This statement: May 29, 2009Total days in statement period: 29

(3312533659911GUILLERMO N LOPEZ P.A.TRUST ACCOUNT759 NW 22 AVEMIAMI FL 33125-3365

Direct inquiries to:305-994-7780


Iota Commercial NOW

Enclosures 20Low balance $498,874.16Average balance $732,235.21Interest paid year to date $4.1 0

DAILY ACTIVITYDate Description Additions04-3005-01

05-01

05-04

05-04

05-0405-0405-0405-0605-0705-0705-08

05-08

05-1105-13

05-13

05-1305-13

Beginning balance' Wire Transfer-Out

IRINA BALL1 Service Charge

WIRE TRANSFER-OUT1 Wire Transfer-IN / 70,164.90«H

DESJARDINS BANK \' Service Charge I

WIRE TRANSFER-IN ICheck 5124 \/v\ fC ICheck 5125 KT*—Check 5120

1 Deposit 19,940.64Check 5127Check 5126

' Wire Transfer-OutIRINA BALL

1 Service ChargeWIRE TRANSFER-OUT

Check 51291 Wire Transfer-IN -> 674,648.36

PATHMAN LEWIS LLP *•1 Service Charge

WIRE TRANSFER-INCheck 5132Check 5131

Subtractions Balance$643,799.78

-5,000.00 638,799.78

-25.00 638,774.78

~v 708,939.68^f

-15.00 _3 708,924.68

-30JDOQ.OO 678J24.68-100,030.00 578,894.68

-110.00 578,784.68598,725.32

\fe -82,367.1 9 516,358.13-900.00 515,458.13

-14,000.00 501,458.13

-25.00 501,433.13

-375.00 501,058.131,175,706.49

-15.00 1,175,691.49

-2,131.00 1,173,560.49-400.00 1,173,160.49

';S pi HOU=£ A DAY AM ; or i-eon-w-OTY ;o;itsinc

*o**<Vl»JM) •**••*+•¥ *** |

GulllonnoN LopoxPA750 NW 22 Avonuo Miami, Pt 33125

eettlomont stotemont« «f M«i)ilnp wf VtMOHB «»,«»»•««

fll*VA

J.Dee»v.(MM.

(Mfatll

OH RA PfilHA RDAl tVtKa, Wft

6tOl AQUA AVJtlUB «}01,H<iml Boo^CUJIHO

y» tiW at Avanuii, Mtiroli fiantag

. aumjgaiy o/ Bowwafo Treittngiten. K.8uminoiy of olta^u Tranoodllon

10), etli)om«anjior<o> tjbOfrtWf (Una 1400)

I V08. AWt)nwil» .10HM.110.

Mil.

III?.I HO, Otoo.a Amounl Quo Ff6m Ooffowar

408.

410.•fill

ounlg ptld py Otto Bohaft P/tterrewtrpaiiiMoamcuimonoy

piifttJpa) amjHinigt.flw |t«o| SWainMUfaMM <»*#!« (fro HOP)fcdifag!»«(»! (a>nniu!)|GMlt>

ft'N'iwnm™no, onwi<wniax«t

9?p. toblffiKluoUtip mounf Quo flollor. Ptinh At tolUomtnt to/gnam 8»lltir300. Oath A< SotUomonl PfpnUTo Borfitwor

j09. On>«» BMynl tfun from Mrrpft'or (ItmiHai60?, ton mfatOOBttnawtunUDft UV«(Uno 620)

303, OoihKJpffim III To Oornjwur

&.

709.

701.702, t »,60009

IP 8QUTHePOHTSTAT6&to HeRNvw onoup ftflAl ytfl

Paltt fromOorwwqf'cFunds at

CeWKtcmSttllor'j

Funds jtSotllnmont

iT.WO.M

800. llamo PAVjbbln 0«P1. icunPnoWflifonFoo

00. .llama PAVabl? In Connopllon With loanft

SSLtot.UBBOIlWUnl

805,IwT Moitomu |t»iH8iitg AppllMihn FgB80?.

ew.010.Oil,90P. llama nomilrvd By tonrttf To fto Paid Irt'ArtKOti

COJ, MoiinoB* Ihiunnet PwniWm totDM, Hu»h) m»r«nw Prtmtuift monthi to

ftf(Of. for

iQO_i9), HwnfinsiHonco

PttfiMflftIKH,

AflftuM p«Kiifli«nl> gtfuuntf)1t»8.(00?.IMP,IMP.1100,

MSO.DO110?.1103, loJIM. TW»(ft|uft)flMblfttfjjf

to ONI. PA OTiS.OONotary lew to

nor. AJi9nw/»r«« TW.M_ llntftfits t obtvo lloiM numtx)r<:

tioo. Wolnumww

UfKfflYi Ktveiarlly1110, Cwna i cowiaao

1JM.in:.1(13. tHrttotrth la tmlPA 2EO.OD1200, (30V oni Rcoofdlnn and tmmfw OliamaaT»T. K«0ft DftHt Peed $18,80 .' !MQilO»0 > 00.00mi. Clty/wnty»x/t<ampi! DoodlIJ05. 4.0EO.OO)5M.

.ie.pAjBHwtBvan.tfL. 7C.OO

WM.08/10 OMI.PA Z1.B2

(ohloronllriDi W). SoMtoii JonrfSO^ -JT.76r.6t I

OPERA P ESTATE. INC,> D i c t o r

MAY 1 3 2009

759 NW 22 A \ e n u c , 2lul FloorMiami, Florida 33125

(305)649-0105

(Purchase)

( h' . iny DateI lie Number

A BALLMOl \qua AM-IIUC. "301. Miami Ikacli.5/1.V(W

(.111 l .KKMO N. LOI'CZ. !'. \. u'10-.niy \^-i\\> is li.-iob> aui luni /Cvl ti- dishu M.- ihf Borrouci's t t i n J > js iol l

i IKIS 'A [}-\l,L, cki lK-icb\ insinict and ;iiuhoii/c ihc.' l.au Ollkes ol ( lu i l lc imo N I ope/. P A in disbiuse ilk'piuv.-vjs in mcicnit'nis ;is iollau--

v:^- ui i (H)Oto IR1NA. HALLN? f O . O U U O d i o I k l N A B\l.lM -I .DOOOO 10 IIUSA HAI I.\4 'I 'to lid HI I R I S \ n\l I.^ " i H l > :>(» io 1KIN \ li\! 1N :"."|.IK,I.ML- lk i \ \ B \ l L'."('Hi! O i u> IU!\ \ 1UI.L

15AL1 \ \ i l l !I -ihlj k>i suhiniilin-i .in\ pa\offs thai ihc Scllirr in:i\"

IComtrywideHOMELOANS

P0BOXSAB3S1Mloml PL 33152

Property6101 AqUMlamreewh, FL 33141

IMs letwr will serve *« Cmintiywida'i demand for payment and advises you that countrywide Home loamend Its Investors and/or irwurftra have agreed to accept a short payoff tavoMna the above-referencedproperty jth» Shon sole transtuftion). TTfils deniMd should bo wed by th» d«lnf agwit as our forrneldemand jwtement. NO eddlHonal «wwmani will fea Issued, TO* approval l» exduilve tt the offer by *Bbuyer referenced in this letter. The conditions oFtho approMara MI ipJIowi:

1. dosing must wfc&pface no law Than Juno 7, 2009 or thttwpr waits wld.2. The approved buyar(») Is/ara opBRA PRIMA REAL ESTATE, INC and the <4tes price for the

prqpsrtyl$$675»OOO.W).3. Artoiher buyer cannot be substituted without Countrywlde's prior written apprAwl In connection with

(hit short sale.4. Proceeds to Countrywide to be no Iws than $613399 55. Realtors ccmmlsslon not to exes W4.0H6. The property Is being sold "AS 15 condlHwi, No repairs will be paid for out of Hi* proteedsj unlen

specifically stated otherwlje.

If 9 promissory note \i required, It must be tianed and returned to Countrywide prior to the close ofescrow. K i» the rttpOASlblRty of ttie dostn« agent to en$U» that the promissory npte Is signed andreturned*! Countrywide.

If a pr<7ttiU)ory note has already been signed and agreed to between thn jftltar, Invastor and theMortgage iruuranee Company, a signed, «ri»f(«d copy murt be provided to Countrywide prior to thecJa« of the short Wle trsnwrtlon. -It Is the nupoAslbflhy of'the wwtog agent to ensure that Countrywider<celv«s the copy. .**»We» ptoceedi win bo returned U tA0 H«M AM nor been received. Tftl* will mult In « delay ofthe IrmtnKttM and/or passible tffneAttottonafthtttlwttale «ttnnK*/w*.f *•

EXHIBIT

• 7. Trt* setters will not receive any proceeds from this short Mia transaction, (filter* are any remaining: escrows fund* or retorto1* they will net be returned to tha sWw, they win bo tent to Cdimtrywlde to

offset the loss,i 8, Trta property musk be free and dear of Hens »nrf aneumbronees other Ww\ the first mortgage &t\d1 CCSRs,j 9. Countrywide does not charge stotamant, domaniJj reeonflug and roeonvevanw feet on riiort payoff• transjtttons, Do not include them In your cettlemtnt staterrwnu CountrYwwa prepare* and neoftit

HOME LOANS

P080X5263S1Miami Fiaaisa

Property Addr«»6101 A«l» Ave# 801Miami Beach, a 93141

This l«Ur will seiVfc as Courtiywldfl'jj demand tor payment and adVfeesyou that Countrywide Home loansand its investors and/ftr insure* hwe agreed to swept a thort payoff (nvoMttB '(De above-frfefeneedproperty (the short S«lt trantflrtton|. TWi dementi ihoultf be used by the dostae ««ert as our formaldemand jtatemant No vddtUonftl iwtemwn will ba issuwi TWs spprtival u axdusJw to the offer by thebuyer referancedtnthft letter, The t*nffltlfln$ofthB»pprowal are as follows:}. Owing must take place no later thai) JWB 7. ZOtw orthlt pwal la vcW.2. Tho •PP^w^bdwrM U/««re OPERA PRIMA mwi WTATe, WC and'the Mlas.prl eft for the

property is $«S,WH)iOD.3. Another buyercartnet be substituted without CountrywUtfs prior written approval Iti connection with

this snort sole. i4. Proceeds wCovntrywWe to be rtb le« than Sfl/HJaOB5. tester* tcmmlstton not to «Hceed4,QH6. The property Ubelnesotd "ASlSVondWon. No repaint will bepafdforowof theprocaBds,unifiat

Jp«<ficaUyjtatad«Tierwiae, . %

If a promissory not« Is wwlred, Ik rnust be signed «nd returned to CounirywW4 prior to the dose ofescrow. It li the wpon$!bility of the dosing ajwt to ontur« that the .(KomlMorv ncttt is jlgo&d andreturned to Countrywldu. ,

if a oromluory note has Already f»ain signed ttftd agratd to between tb* J«tlcr, investor and theMortgage insurance company, 6 slinad, certified copy mutt be provided to Cwintrywitto prior tp thedos» of We ihort sala transaction. Mt Is tha respoaUhity of the closlne sjpnt to muwe that counlrvwldsrec«tvo$ the copy.

***5dJw /ii-ofieerfj wffl fte retarnttf If <h« J«t« Acs wot been race/vetf* Tfkfs W/f r«n« to a tfe/w «/Me fronr»rt/wJcwor;JDMH>to

EXHIBIT

1 7. The sellers will not radv* any draceed* from this short-tain transaction. If there vc any rematnlng; si crows fund* or refunds they will not b« returned to the MM, ttwy will fee sent to Countrywide to| offseuhelojs,; 8, The property must bo tee ami dear of (tens and encuitihrartws other than the first mwtgaga e«iI CC8.R?,

9. Counttywlde does npt charge jtatcment, dqmutdi recording «nd r«9nVBy«W8 few «n short .wnjactlonj, Po not include them in your settlement toteinftftt* CouhtrywU* preparas «nd racordttheir own reconveyances. I

guillermo napoleon lopez petition for emergency suspension

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