La d a s & h o o p e s La w O ffices, PLCATTORNEYS AT LAW 435 WHITEHALL ROAD

NORTH MUSKEGON, MI 49445PAUL M. LADAS TELEPHONEKENNETH S. HOOPES (231) 744-6218JENNY L. McNEILL _____

FAX (231) 744-5532

April 8, 2013

Martha Ann Grimm 1330 West Summit Avenue P.O. Box 41Muskegon, Ml 49443-0041

Dear Martha:

This is in response to your letter April 1, 2013 in which you reviewed the assets that were available to you through 401K and 457plans from your late husband, Fred Grimm. You also recited the your experiences with your children, and the claims that they have made, more especially your daughter, Teresa, who claimed she was entitled to a one- eighth share of the retirement accounts whence she insisted that she should get a one- eighth share, or $90,000.

I discussed this twice with you, with your son, Eric, by telephone, and I am trying to recall my involvement with your financial affairs especially as a consequence of your husband, Fred Grimms death on January 26, 2009.

I did recall^ meeting with you on January 28, 2009, and with one of your two daughters who I.believe was Teresa Grimm. At that time you wanted to review your status of your entitlements as a result of the death of Fred Grimm, and also any entitlements of your children.

You brought in documents, more especially the 401K and 457K accounts that I have a record of. These were of a sizeable amount over $800,000.

Theres also the question of the ownership of your home at 1810 Oak Avenue, Muskegon, Ml 49445 as to which I obtained the general property information.

The basic question was, was there any estate to be probated.

Theres also some mention of a Saturn motor vehicle which was just in Fred Grimms name which might need to be probated.

01401

As to the 401K and 457, it was apparent that the sole primary beneficiary was you, Martha Grimm, and the net funds would be available to you upon your making a claim form to the financial institution holding these funds.

As I explained that they could be received as requested which could be dribbled out on an installment basis in amounts determined by your income tax situation. In other words, avoid any large distributions each year that would put you in a higher bracket for income tax purposes, as these were like delayed paychecks on which one would have to pay income tax.

As to the home, it was held jointly from the records with Fred, and you became the sole owner.

The only item which was subject to possible probate was the Saturn automobile which was just in Fred Grimms name, but this could be averted by you going directly to the Secretary of States Office with death certificates, and they would put the vehicle in just yotlr name. Motor vehicles are the only type of assets where one can gain title and circumvent probate court procedure.

I indeed started to do the interview sheet for a probate action, but discontinued it as there was simply nothing to probate. Everything was accessible to you. There was no need to appoint someone to capture any such assets, and I believe I explained that to you and Teresa, especially since I was informed there was no will, and I believe that we checked that out at the probate court where Fred might have had a will in safekeeping.

Since there was no estate to be probated, everything having been already designated for ownership, except for the Saturn vehicle, I accordingly specified there was no entitlement for any of the children because your entitlements totally superseded anyone6lS6 S.

My impression was that clarification was desired as an establishment of certainty as against any possible claim by any of the children, especially any claim by Eric Grimm, since he was a knowledgeable attorney but who I was not aware had made any claim.

PAUL M. LADAS PML/peg

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Date AmountMay 18, 2009 $8,677.23May 18, 2009 $17.00 Transfer Fee.August 13, 2009 $10,000.00August 13, 2009 $17.00 Transfer Fee.September 4, 2009 $3,000.00September 4, 2009 $17.00 Transfer Fee.September 18, 2009 $1,000.00September 18, 2009 $17.00 Transfer Fee.October 2, 2009 $1,000.00October 2, 2009 $17.00 Transfer Fee.October 8, 2009 $600.00October 8, 2009 $17.00 Transfer Fee.October 14, 2009 $400.00October 14, 2009 $17.00 Transfer Fee.October 23, 2009 $200.00October 23, 2009 $17.00 Transfer Fee.October 23, 2009 $1,000.00October 23, 2009 $17.00 Transfer Fee.October 29, 2009 $620.00October 29, 2009 $17.00 Transfer Fee.November 5, 2009 $450.00November 5, 2009 $17.00 Transfer Fee.November 10, 2009 $500.00November 10, 2009 $17.00 Transfer Fee.November 13, 2009 $360.00November 13, 2009 $17.00 Transfer Fee.November 16, 2009 $1,350.00

0

Date AmountNovember 16, 2009 $17.00 Transfer Fee.November 30, 2009 $1,500.00November 30, 2009 $17.00 Transfer Fee.December 7, 2009 $1,000.00December 7, 2009 $17.00 Transfer Fee.December 18, 2009 $100.00December 18, 2009 $17.00 Transfer Fee.December 23, 2009 $400.00December 23, 2009 $17.00 Transfer Fee.January 7, 2010 $500.00January 7, 2010 $17.00 Transfer Fee.January 25, 2010 $1,000.00January 25, 2010 $17.00 Transfer Fee.February 10, 2010 $1,300.00February 10, 2010 $17.00 Transfer Fee.February 26, 2010 $1,500.00February 26, 2010 $17.00 Transfer Fee.March 26, 2010 $1,500.00March 26, 2010 $17.00 Transfer Fee.June 8, 2010 $600.00June 8, 2010 $25.00 Transfer Fee.June 11, 2010 $1,900.00June 11,2010 $25.00 Transfer Fee.June 24, 2010 $580.00June 24, 2010 $25.00 Transfer Fee.July 7, 2010 $300.00July 7, 2010 $25.00 Transfer Fee.

0 3

Date AmountJuly 8, 2010 $30,000.00July 8, 2010 $25.00 Transfer Fee.September 3, 2010 $1,600.00September 3, 2010 $25.00 Transfer Fee.October 14, 2010 $900.00October 14, 2010 $25.00 Transfer Fee.November 10, 2010 $300.00November 10, 2010 $25.00 Transfer Fee.November 15, 2010 $300.00November 15, 2010 $25.00 Transfer Fee.November 19, 2010 $800.00November 19, 2010 $25.00 Transfer Fee.

December 7, 2010 $2,900.00December 7, 2010 $25.00 Transfer Fee.December 10, 2010 $2,000.00December 10, 2010 $25.00 Transfer Fee.

December 13, 2010 $3,300.00December 13, 2010 $25.00 Transfer Fee.December 16, 2010 $1,500.00December 16, 2010 $25.00 Transfer Fee.January 20, 2011 $3,000.00January 20, 2011 $25.00 Transfer Fee.Subotal $88,703.23Automobile ' $6,000.00Total $94,703.23With Interest (rough) $106,067.62

0 5

Name martha grimm Addr Line 1 isio Oak a v

muskegonID# 9650585067316Fee Domestic ($17.00)Phone 231 / 744 . 1126 ExtEntry Operator: XMLGC3X

Bank 056Payment Amount 8677.23

Rate

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T,N# 386428776Addr Line 2 State mi Type O.S. Driver's License I ^ 49445

-y l Exp 022013Alt Phone / .

BANK 056

Currency o s d - as dollarTrader NameCharge Party None y-j

Debit Party D-DDAirjo06B8496955

Beneficiary

MARTHA GRIMM 1810 OAK AVE N MUSKEGON MI 49445-3138

Not On Us _!^12253370700

TERESA A POLDRUGO

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Bank to Bank InformationOng/natorto Beneficiary Information

S i n Transfer Reques,s Sha Be Subject To The 2 ? * Trtnsfer A9reement and Disclosure

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Name Martha A Grimm Addr Line 1 1810 Oak Ave City Muskegon

G650585067316Fee Domestic ($17.00)Phone 231 / 74 4 - 1126 Ext.Entry Operator: XMBF23V

Bank 056Payment Amount loooo.oo

Rate

386428776Addr Line 2 State m tID Type

I'lJ.M e n - . 2'PU.S. Driver's License 1

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Currency USD - DS dollarTrader Name

Debit Party D-DDA

Beneficiary Not On Us

.ri00688496955MARTHA GRIMM 1810 OAK AVE N MUSKEGON MI 49445-3138

.'^2253370700TERESA STRATTON

Beneficiarys Bank a -a b a[256074974 NAVY ECU VIENNA, VA

01421

NationalCiiyBank to Bank Information

Originator to Beneficiary Information

01423

Name Martha Grimm Addr Linel 1810 Oak Ave c'ty Muskegon,D# G650585067316Fee Domestic ($17.00)Phone 231 / 744 . H2 6 Ext.Entry Operator: XMBF23V

Bank 056Payment Amount 3000.00

Rate

TW# 386428776Addr Line 2 State miID Type

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Direct ^ j J

D.S. Driver's License Zip 4 9445t ! Exp 042013

Currency USD - us dollarTrader Name

2 SEP 2009

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National CityBank to Bank Information

Originator to Beneficiary Information

all applicable federaUtate andtoral a s r e S f n m ariccortiance with Ban^ current schedule of chargeT C u L m e S h c o m P"sate Bank for

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WationafCityName Martha GrimmAddr Line 1 1810 Oa)t Ave City Muskegon*D# G650585067316Fee Domestic ($17.00)Phone 231 / 744 . 1126 ExtEntry Operator: XMBF23V

Bank 056Payment Amount 3000.00

Rate

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TIN# 386428776Addr Line 2 State mtID Type U.s. Driver's License Zip 49445

H Exp 042013

Currency USD - us dollarTrader NameCharge Party None v 1

Debit Party d -d d a

Beneficiary Not On Os

[00688496955 MARTHA GRIMM 1810 OAK AVE N MDSKEGON MI 49445-3138

VjTeresa Poldrago 2253370700

Beneficiary's Bank A-ABA.^1256074974

NAVY ECU VIENNA, VA

- Client Acknowlerigpmoni_____

a i e e that you have tell a n d ^ " ^ ^ " 5'6' accordance ^ h t tm u k u w noted above. Yo u further ackn,Signature: Authorized Client, J r U w t f / Z . S U j J r t s m Reference Number: 0 ? CTi) 7^ 6 9 c 6 O Q . C ~ * / P

icwledge and. Date:

0 3

NaftionaJCityName Martha Grimm Addr Line 1 1810 Oak Ave

Muskegon,D# 9650585067316Fee Domestic ($17.00)Phone 231 / 744 . 1126 Ext.Entry Operator: XMBF23V

Bank 056Payment Amount 1000.00

Rate

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^*N# 38 6428776Addr Line 2 State miID Type

Alt Phone

b a n k 056

U-S. Driver's License | ZP 49445-Tl Exp 042013

7 ' Ext

Currency s d - us dollarTrader NameCharge Party Nne i-ZJ

Debit Party D-DDAV i06884969S5

Beneficiary

MARTHA GRIMM 1810 OAK AVE N MUSKEGON MI 49445-3138

Not On Us |jTjTeresa Stratton

6350790157

Beneficiary's Bank_;-T]l2210S278

WELLS FARGO BANK PHOENIX, A2

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Originator to Beneficiary Information I

1

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0 35

National CityName Martha GrimmAddrLinel 1810 Oak Ave City MuskegonID# G650585067316pee Domestic ($17.00)Phone 231 / 744 - 1126 ExtEntry Operator: XMBF23V

Bank 056Payment Amount 1000.00

Rate

Debit Party

TIN# 386428776Addr Line 2

dState ID Type

MlU.S. Driver's License

Alt Phone / - Ext.

Zip 4 9445 j J Exp 042013

BANK 056

Direct j l !

Date Send

Currency 0SD " us dollarTrader Name Charge Party None

2 OCT 2009

_rjo0688496955 MARTHA GRIMM 1810 OAK AVE N MUSKEGON MI 49445-3138

Beneficiary Not On Us jiJTeresa poldrugo 2253370700

Beneficiary's Bank A-ABA d 256074974 NAVY ECU VIENNA, VA

Client AcknowledaementYou, the Originator, authorizes and request that Bank execute this transfer request in accordance with the instipctions noted above. Y o u further acknowledge and agree that you have read and agree to all of the terms and conditions. / /Sianature: Authorized Date:Reference N u m b e r C> O ^ / O O / O O ^ ^ 6 S ^

0 37

{National CityBank to Bank Information Originator to Beneficiary Information

Funds Transfer A g r e e m e n t and Disclosure All Wire Transfer Requests Shall Be Subject To T h e Following Terms A n d Conditions:Bank, in accordance with its procedures, will select such m ea ns and routes for the transfer of funds, as Bank considers appropriate under the circumstances. Bank will not guarantee that transfer requests will be processed on a same-day basis. In any event, however, transfer requests will be processed no later than the second banking day (generally, Mo n d a y through Friday, excluding federal holidays) after the request is received. Customer acknowledges that if the transfer request describes the intended recipient of funds inconsistently by n a m e and account number, payment by the receiving bank might be m a d e on the basis of the account number only even if that account is not owned by the person n a m e d in the transfer request, and Customer is obligated to pay the Bank the amount which is directed to the account number given. Bank shall not be obligated to act upon a transfer request unless there are sufficient funds in Customer's account. Bank is relieved of liability if Customer does not review its bank statement and report any discrepancies between Customer's records of the transfer of funds and the bank statement in writing within twenty-one (21) days from the date the statement is mailed or otherwise m a d e available to Customer by Bank. Customer shall have no right to cancel or a m e n d a transfer request after it has been received by Bank. However, Bank shall m a k e a reasonable effort to act on Customer's request for cancellation or amendment of a transfer request prior to' the time that Bank executes such transfer request, but shall have no liability if such cancellation or a m e n d m e n t is not effected. Customer shall defend and indemnify Bank and save Bank harmless from and against any loss, cost or expense (including reasonable attorney fees) of any kind arising out of any cancellation or amendment. Bank shall be liable only for its failure to exercise commercially reasonable care in the provision of the transfer services described herein. Bank shall have no liability and shall be excused from any act, failure to act or delay in acting if such act, failure to act or delay is caused in whole or in part by circumstances beyond its control. In no event shall Bank be liable for any special, consequential, or incidental dam a g e s in connection with this transfer request, even if Bank has knowledge of the possibility of such damages. Customer shall compensate Bank for services performed by Bank pursuant to this request in accordance with Bank's current schedule of charges. Customer shall be responsible for any and all applicable federal, state and local taxes related to said compensation and the performance of services. Bank shall be entitled to rely upon any - written, oral or electronic notice or communication believed by it in good faith to be genuine and to have been signed or given by Customer. Except as otherwise expressly provided for in this transfer request Bank shall not be required to act upon any notice or communication received from Customer, or to provide any notice or communication to Customer, with respect to any matter. This request contains the entire agreement of the parties with respect to its subject matter, and m a y be amended, supplemented, or otherwise modified only in writing signed by both Customer and Bank.International Wire Transfer Requests Shall Be Subject To The Following Additional Terms And Conditions:If a transfer requested by Customer is payable in U.S. Dollars, Bank does not guarantee that its correspondents or agents can, will or will not m a k e payment In U. S. Dollars, nor does Bank guarantee that there will be a charge m a d e by s om e other bank or other entity effecting the transfer issued or m a d e hereunder. In initiating the transfer request, Customer agrees that neither Bank or its correspondents shall be liable for any loss or d a m a g e due to errors, omissions delays, loss or destruction in or through the mail, telegraph or cable of any country. In addition, B an k shall not be responsible for the acts or omissions of any of its correspondents, sub-agents or other agencies employed in making the transfer requested or for any loss caused by forces beyond the control of Bank. All tracers of non-receipt, late receipt or of any other type are subject to Bank's ordinary charges therefor and to charges, if any of its correspondents. If the transfer is payable in a foreign currency, then Customer shall ass ume the risk of any fluctuations in the applicable foreign exchange rate and the amount of the credit shall be the amount in U.S. Dollars that can be purchased by the initial transfer amount under the then applicable foreign exchange rate. T h e transfer requested by Customer is to be issued or accomplished at Customer's sole risk and its subject to all laws, rules or decrees of any domestic or foreign government, bank, postal authority or other agency which are in force at the time said transfer is made.

Client AcknowledgementYou, the Originator, authorizes and request that Bank execute this transfer request in accordance with the instructions noted above. You further acknowledge and agree thaTfou have read and agree to all of the terms and conditions noted above.

Signature: Authorized ClientH- Date:.Reference Number:

0 39

National CityName Marha GrimmAddrLinel 1810 Oak Ave City MuskegonID# G650585067316pee Domestic ($17.00)Phone / - ExtEntry Operator: XMBF23V

Bank 056 Payment Amount 600.00

Rate

TIN# 386428776Addr Line 2

J j

State ID Type

M IU.S. Driver's License

Alt Phone / - Ext

Zip 4 9445 j Exp 042013

BANK 056

Direct z J

Date Send z l

Currency USD Trader Name Charge Party None

US dollar

z JOCT 2009

Debit Party d -d d a t )o o 6 8 8 4 9 6 9 5 5MARTHA GRIMM 1810 OAK AVE N MUSKEGON MI 49445-3138

Beneficiary Not On Us jrjjTeresa Poidrugo 2253370700

Beneficiary's Bank VJ256074974NAVY ECU VIENNA, VA

Client AcknowledgementYou, the Originator, authorizes and request that Bank execute this transfer request in accordance with the Astructions noted above. Y o u further acknowledge and agree that you have read and agree to all of the terms and conditions._ _ _ _ _ _ _ _ _Signature: Authorized Client_ Reference Number:_ _ _ _

yy\sajiK J&ls.

National CHyBank to Bank Information Originator to Beneficiary Information

Funds Transfer A g r e e m e n t and Disclosure All Wire Transfer Requests Shall Be Subject To The Following Terms A n d Conditions:Bank, in accordance with its procedures, will select such means and routes for the transfer of funds, as Bank considers appropriate under the circumstances. Bank will not guarantee that transfer requests will be processed on a same-day basis. In any event, however, transfer requests will be processed no later than the second banking day (generally, Monday through Friday, excluding federal holidays) after the request is received. Customer acknowledges that if the transfer request describes the intended recipient of funds inconsistently by n a m e and account number, payment by the receiving bank might be m a d e on the basis of the account number only even if that account is not o w n e d by the person n a m e d in the transfer request, and Customer is obligated to pay the Bank the amount which is directed to the account number given. Bank shall not be obligated to act upon a transfer request unless there are sufficient funds in Customer's account. Bank is relieved of liability if Customer does not review its bank statement and report any discrepancies between Customer's records of the transfer of funds and the bank statement in writing within twenty-one (21) days from the date the statement is mailed or otherwise m a d e available to Customer by Bank. Customer shall have no right to cancel or a m e n d a transfer request after it has been received by Bank. However, Bank shall m ak e a reasonable effort to act on Customer's request for cancellation or amendment of a transfer request prior to the time that Bank executes such transfer request, but shall have no liability if such cancellation or ame ndment is not effected. Customer shall defend and indemnify Bank and save Bank harmless from and against any loss, cost or expense (including reasonable attorney fees) of any kind arising out of any cancellation or amendment. Bank shall be liable only for its failure to exercise commercially reasonable care in the provision of the transfer services described herein. Bank shall have no liability and shall be excused from any act, failure to act or delay In acting if such act, failure to act or delay is caused in whole or in part by circumstances beyond its control. In no event shall Bank be liable for any special, consequential, cr incidental damages in connection with this transfer request, even if Bank has knowledge of the possibility of such damages. Customer shall compensate Bank for services performed by Bank pursuant to this request in accordance with Bank's current schedule of charges. Customer shall be responsible for any and all applicable federal, state and local taxes related to said compensation and the performance of services. Bank shall be entitled to rely upon any written, oral or electronic notice or communication believed by it in good faith to be genuine and to have been signed or given by Customer. Except as otherwise expressly provided for in this transfer request Bank shall not be required to act upon any notice or communication received from Customer, or to provide any notice or communication to Customer, with respect to any matter. This request contains the entire agreement of the parties with respect to its subject matter, and m a y be amended, supplemented, or otherwise modified only in writing signed by both Customer and Bank.International Wire Transfer Requests Shall Be Subject To The Following Additional Terms A n d Conditions:If a transfer requested by Customer is payable in U.S. Dollars, Bank does not guarantee that its correspondents or agents can, will or will not m a k e payment in U. S. Dollars, nor does Bank guarantee that there will be a charge m a d e by s o m e other bank or other entity effecting the transfer issued or m a d e hereunder. In initiating the transfer request, Customer agrees that neither Bank or its corespondents shall be liable for any loss or d a m a g e due to errors, omissions delays, loss or destruction in or through the mail, telegraph or cable of any country. In addition, Bank shall not be responsible for the acts or omissions of any of its corespondents, sub-agents or other agencies employed in making the transfer requested or for any loss caused by forces beyond the control of Bank. All tracers of non-receipt, late receipt or of any other type are subject to Bank's ordinary charges therefor and to charges, if any of its corespondents. If the transfer is payable in a foreign curency , then Customer shall assume the risk of any fluctuations in the applicable foreign exchange rate and the amount of the credit shall be the amount in U.S. Dollars that can be purchased by the initial transfer amount under the then applicable foreign exchange rate. The transfer requested by Customer is to be issued or accomplished at Customer's sole risk and its subject to all laws, rules or decrees of any domestic or foreign government, bank, postal authority or other agency which are in force at the time said transfer is made.

Client AcknowledgementYou, the Originator, authorizes and request that Bank execute this transfer request in accordance with the instructions noted above. You further acknowledge and agree that you have read and agree to all of the terms and conditions noted above. / /

Signature: Authorized Client ^?7^i -r-ist-siReference Number. /i5p a ^ ^ O O

' /

0 3

NaiionalCityName Martha GrinunAddrLinel 1810 Oak Ave City MuskegonID# G650585067316pee Domestic ($17.00)Phone 231 / 744 - 1126 ExtEntry Operator: XMBF23V

Bank 056Payment Amount 4 00.00

Rate

Date Send 14 OCT 2009

Debit Party D_DDA ^ 0 0688496955MARTHA GRIMM 1810 OAK AVE N MUSKEGON MI 49445-3138

Beneficiary Not On Us j r J T e r e s a Poldrugo 2253370700

Beneficiary's Bank A_ABA ^)256074974NAVY FCU VIENNA, VA

II Client AcknowledgementIy o u , Vie Originator, authorizes and request that Bank execute this transfer request in accordance with the iiyrtructiony noted above. Y o u further acknowledge and laaree that you have read and agree to all of the terms and conditions. / /(Signature: Authorized Client S h s l t f i m Date: / ' - / / 9(Reference N u m b e r < 3 ? o o 9 / o / d o a a c y h y j / y

zl

TIN# 386428776Addr Line 2State mi Zip 49445ID Type U'S- Driver's License j j Exp 042013

Alt Phone

BANK 056

Direct

/ - Ext.

Currency _ os dollar Trader Name Charge Party None

01445

NalionalCiiyBank to Bank Information Originator to Beneficiary Information

Funds Transfer Agreement and Disclosure .All Wire Transfer Requests Shall Be Subject To The Following Ter ms And Conditions:Bank, in accordance with its procedures, will select such m e a n s and routes for the transfer of funds, as Bank considers appropriate under the circumstances. Bank will not guarantee that transfer requests will be processed on a same-day basis. In any event, however, transfer requests will be processed no later than the second banking day (generally, M o n d a y through Friday, excluding federal holidays) after the request is received. Customer acknowledges that if the transfer request describes the intended recipient of funds inconsistently by n a m e and account number, payment by the receiving bank might be m ad e on the basis of the account num ber only even if that account is not owned by the person n a m e d in the transfer request, and Customer is obligated to pay the Bank the amount which is directed to the account number given. Bank shall not be obligated to act upon a transfer request unless there are sufficient funds in Customer's account. Bank is relieved of liability if Customer does not review its bank statement and report any discrepancies between Customer's records of the transfer of funds and the bank statement in writing within twenty-one (21) days from the date the statement is mailed or otherwise m a d e available to Customer by Bank. Customer shall have no right to cancel or a m e n d a transfer request after it has been received by Bank. However, Bank shall make a reasonable effort to act on Customer's request for cancellation or ame n d m e n t of a transfer request prior to the time that Bank executes such transfer request, but shall have no liability if such cancellation or ame n d m e n t is not effected. Customer shall defend and indemnify Bank and save Bank harmless from and against any loss, cost or expense (including reasonable attorney fees) of any kind arising out of any cancellation or amendment. Bank shall be liable only for Its failure to exercise commercially reasonable care in the provision of the transfer services described herein. Bank shall have no liability and shall be excused from any act, failure to act or delay in acting if such act, failure to act or delay is caused in whole or in part by circumstances beyond its control. In no event shall Bank be liable for any special, consequential, or incidental d a m a g e s in connection with this transfer request, even if Bank has knowledge of the possibility of such damages. Customer shall compensate Bank for services performed by Bank pursuant to this request in accordance with Bank's current schedule of charges. Customer shall be responsible for any and all applicable federal. state and local taxes related to said compensation and the performance of services. Bank shalt be entitled to rely upon any written, oral or electronic notice or communication believed by it in good faith to be genuine and to have been signed or given by Customer. Except as otherwise expressly provided for in this transfer request Bank shall not be required to act upon any notice or communication received from Customer, or to provide any notice or communication to Customer, with respect to any matter. This request contains the entire agreement of the parties with respect to its subject matter, and m a y be amended, supplemented, or otherwise modified only in writing signed by both Customer and Bank.International Wire Transfer Requests Shall Be Subject To T h e Following Additional Terms And Conditions:if a transfer requested by Customer is payable in U.S. Dollars, Bank does not guarantee that its correspondents or agents can, will or will not m a k e payment in U. S. Dollars, nor does Bank guarantee that there will be a charge m a d e by s om e other bank or other entity effecting the transfer issued or m a d e hereunder. In initiating the transfer request, Customer agrees that neither Bank or its correspondents shall b e liable for any loss or d a m a g e due to errors, omissions delays, loss or destruction in or through the mail, telegraph or cable of any country. In addition, B a n k shall not be responsible for the acts or omissions of any of its correspondents, sub-agents or other agencies employed in making the transfer requested or for any loss caused by forces beyond the control of Bank. All tracers of non-receipt, late receipt or of any other type are subject to Bank's ordinary charges therefor and to charges, if any of its correspondents. If the transfer is payable in a foreign currency, then Customer shall assume the risk of any fluctuations in the applicable foreign exchange rate and the amount of the credit shall be the amount in U.S. Dollars that can be purchased by the initial transfer amount under the then applicable foreign exchange rate. The transfer requested by Customer is to be issued or accomplished at Customer's sole risk and its subject to all laws, rules or decrees of any domestic or foreign government, bank, postal authority or other agency which are in force at the time said transfer is made.

Client AcknowledgementYou, the Originator, authorizes and request that Bank execute this transfer request in accordance with the instructions noted above. Y o u further acknowledge and agree that you have read and agree to all of the terms and conditions noted above.

Signature: Authorized Client sO/x/C&d _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Date:_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _Reference Number: P'S 9 /

NationalCityName Martha GrimmAddrLinel 1810 Oak Ave City MuskegonID# g650585067316pee Domestic ($17.00)Phone 231 / 744 - 1126 ExtEntry Operator: XMBF23V

Bank 056 'iPayment Amount 200.00

Rate

TIN# 386428776Addr Line 2State ID Type

MIU.S. Driver's License

Alt Phone I - Ext

Zip 4 94 45 f 1 Exp 042013

BANK 056

Direct *1Currency ^ dollar

Trader NameCharge Party Nne .;Vj

D a t e Send > J 23 OCT 2009

Debit Party D_DDA j r j o O 608496955MARTHA GRIMM 1810 OAK AVE N M U S K E G O N MI 49445-3138

Beneficiary Not On Us jrjTeresa poldrugo 2253370700

Beneficiary's Bank A_ABA T-1256074974NAVY FCU VIENNA, VA

Client AcknowledaementYou, the Originator, authorizes and request that Bank execute this transfer request in accordance with the insertions noted above. You further acknowledge and agree that vou have read and agree to all of the terms and conditions. / /Signature: Authorized Client / / L O A Date: / ^Reference N u m b e r ^ 0 0 0 .3 - & & e

F u n d s Transfer A g r e e m e n t and DisclosureAll Wire Transfer Requests Shall B e Subject T o The Following Terms A n d Conditions: iBank; in accordance with its procedures, will select such m ea ns and routes for the transfer of funds, as Bank considers appropriate under the circumstances. Bank will not guarantee that transfer requests will be processed on a same-day basis. In any event, however, transfer requests will be processed no later than the second banking day (generally, Monday through Friday, excluding federal holidays) after the request is received. Customer acknowledges that if the transfer request describes the intended recipient of funds inconsistency by n a m e and account number, payment by the receiving bank might be m a d e on the basis of the account number only even if that account is not o wn ed by the person n a m e d in the transfer request, and Customer is obligated to pay the Bank the amount which is directed to the account number given. Bank shall not be obligated to act upon a transfer request unless there are sufficient funds in Customer's account. Bank is relieved of liability if Customer does not review its bank statement and report any discrepancies between Customer's records of the transfer of funds and the bank statement in writing within twenty-one (21) days from the date the statement is mailed or otherwise m a d e available to Customer by Bank. Customer shall have no right to cancel or a m e n d a transfer request after it has been received by Bank. However, Bank shall m a k e a reasonable effort to act on Customer's request for cancellation or ame ndment of a transfer request prior to the time that Bank executes such transfer request, but shall have no liability If such cancellation or a m e n d m e n t is not effected. Customer shall defend and indemnify Bank and save Bank harmless from and against any loss, cost or expense (including reasonable attorney fees) of any kind arising out of any cancellation or amendment. Bank shall be liable only for its failure to exercise commercially reasonable care in the provision of the transfer services described herein. Bank shall have no liability and shall be excused from any act, failure to act or delay in acting if such act, failure to act or delay is caused in whole or in part by circumstances beyond its control. In no event shall Bank be liable for any special, consequential, or incidental damages in connection with this transfer request, even if Bank has knowledge of the possibility of such damages. Customer shall compensate Bank for services performed by Bank pursuant to this request in accordance with Bank's current schedule of charges. Customer shall be responsible for any and all applicable federal, state and local taxes related to said compensation and the performance of services. Bank shall be entitled to rely upon any written, oral or electronic notice or communication believed by it in good faith to be genuine and to have been signed or given by Customer. Except as otherwise expressly provided for in this transfer request Bank shall not be required to act upon any notice or communication received from Customer, or to provide any notice or communication to Customer, with respect to any matter. This request contains the entire agreement of the parties with respect to its subject matter, and m a y be amended, supplemented, or otherwise modified only in writing signed by both Customer and Bank.International Wire Transfer Requests Shall Be Subject To The Following Additional Terms A n d Conditions:If a transfer requested by Customer is payable in U.S. Dollars, Bank does not guarantee that its correspondents or agents can. will or will not m ak e payment in U. S. Dollars, nor does Bank guarantee that there will be a charge m a d e by s o m e other bank or other entity effecting the transfer issued or m a d e hereunder. In initiating the transfer request, Customer agrees that neither Bank or its correspondents shall be liable for any loss or d a m a g e due to errors, omissions delays, loss or destruction in or through the mail, telegraph or cable of any country. In addition, Bank shall not be responsible for the acts or omissions of any of its correspondents, sub-agents or other agencies employed in making the transfer requested or for any loss caused by forces beyond the control of Bank. All tracers of non-receipt, late receipt or of any other type are subject to Bank's ordinary charges therefor and to charges, if any of its correspondents. If the transfer is payable in a foreign currency, then Customer shall assume the risk of any fluctuations in the applicable foreign exchange rate and the amount of the credit shall be the amount in U.S. Dollars that can be purchased by the initial transfer amount under the then applicable foreign exchange rate. The transfer requested by Customer is to be issued or accomplished at Customer's sole risk and its subject to all taws, rules or decrees of any domestic or foreign government, bank, postal authority or other agency which are in force at the time said transfer is made. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ . -

Client AcknowledgementYou, the Originator, authorizes and request that Bank execute this transfer request in accordance with the instructions noted above. You further acknowledge and agree that you have read and agree to all of the_tenTis_and_conditionsjTOtgd_above^ ____ / -

Signature: Authorized Client Off _ _ _ _ _ _ _ _ _ _ _ Date:Reference Number: ^ ? Q 2 3 O d^> 13 3

0 5

National CityMartha Grimm 1810 Oak Ave Muskegong650585067316 Domestic ($17.00)

NameAddr Line 1 City ID#FeePhone 231 / 744 - 1126 Ext Entry Operator: XMBF23V

Bank 056Payment Amount lOOO.OO

Rate

TIN# 386428776Addr Line 2 State miID Type

Direct

Zip 4 9445U.S. Driver's License Exp 04 2013

Alt Phone /

BANK 056

Currency dollarTrader NameCharge Party None fjjrj

Date Send 23 OCT 2009

Debit Party D-DDA t |q 0 6884 96955 MARTHA GRIMM 1810 OAK AVE

. N MUSKEGON MI 49445-3138

Beneficiary Not On Us ..f^ Tereaa Stratton 6350790157

Beneficiary's Bank ;rjl22105278HELLS FARGO BANK PHOENIX, AZ

Client AcknowledgementYou, the Originator, authorizes and request that Bank execute this transfer request in accordance with the instructions noted above. Yo u further acknowledge and agree that you have read and agree to all of the terms and conditions.

Signature: Authorized Client_ Reference N u m b e r _ _ _ _ _ _ _

n f j l f l . sffist/ry)s-ry^ Date:_ _ _ _ _ _ _ ./ p ' 7 J r W

01453

F u n d s Transfer A g r e e m e n t and DisclosureAll Wire Transfer Requests Shall Be Subject To The Following Terms And Conditions: .Bank, in accordance with its procedures, will select such m e a n s and routes for the transfer of funds, as Bank considers appropriate under the circumstances. Bank will not guarantee that transfer requests will be processed on a same-day basis. In any event, however, transfer requests will be processed no later than the second banking day (generally, M o n d a y through Friday, excluding federal holidays) after the request is received. Customer acknowledges that if the transfer request describes the intended recipient of funds inconsistently by n a m e and account number, payment by the receiving bank might be m a d e on the basis of the account number only even if that account is not owned by the person n a m e d in the transfer request, and Customer is obligated to pay the Bank the amount which is directed to the account number given. Bank shall not be obligated to act upon a transfer request unless there are sufficient funds in Customer's account. Bank is relieved of liability if Customer does not review its bank statement and report any discrepancies between Customer's records of the transfer of funds and the bank statement in writing within twenty-one (21) days from the date the statement is mailed or otherwise m a d e available to Customer by Bank. Customer shall have no right to cancel or a m e n d a transfer request after it has been received by Bank. However, Bank shall make a reasonable effort to act on Customer's request for cancellation or amendment of a transfer request prior to the time that Bank executes such transfer request, but shall have no liability if such cancellation or a m e n d m e n t is not effected. Customer shall defend and indemnify Bank and save Bank harmless from and against any loss, cost or expense (including reasonable attorney fees) of any kind arising out of any cancellation or amendment. Bank shall be liable only for its failure to exercise commercially reasonable care in the provision of the transfer services described herein. Bank shall have no liability and shall be excused from any act, failure to act or delay in acting if such act, failure to act or delay is caused in whole or in part by circumstances beyond its control. In no event shall Bank be liable for any special, consequential, or incidental d a m a g e s in connection with this transfer request, even if Bank has knowledge of the possibility of such damages. Customer shall compensate Bank for services performed by Bank pursuant to this request in accordance with Bank's current schedule of charges. Customer shall be responsible for any and all applicable federal, state and local taxes related to said compensation and the performance of services. Bank shall be entitled to rely upon any written, oral or electronic notice or communication believed by it in good faith to be genuine and to have been signed or given by Customer. Except as otherwise expressly provided for in this transfer request Bank shall not be required to act upon any notice or communication received from Customer, or to provide any notice or communication to Customer, with respect to any matter. This request contains the entire agreement of the parties with respect to its subject matter, and m a y be amended, supplemented, or otherwise modified only in writing signed by both Customer and Bank.International Wire Transfer Requests Shall Be Subject T o The Following Additional Terms And Conditions:If a transfer requested by Customer is payable in U.S. Dollars, Bank does not guarantee that its correspondents or agents can, will or will not m ak e payment in U. S. Dollars, nor does Bank guarantee that there will be a charge m a d e by s o m e other bank or other entity effecting the transfer issued or m a d e hereunder. In initiating the transfer request, Customer agrees that neither Bank or its correspondents shall b e liable for any loss or d a m a g e due to errors, omissions delays, loss or destruction in or through the mail, telegraph or cable of any country. In addition, B a n k shall not be responsible for the acts or omissions of any of its correspondents, sub-agents or other agencies employed in making the transfer requested or for any loss caused by forces beyond the control of Bank. All tracers of non-receipt, late receipt or of any other type are subject to Bank's ordinary charges therefor and to charges, if any of its correspondents. If the transfer is payable in a foreign currency, then Customer shall assume the risk of any fluctuations in the applicable foreign exchange rate and the amount of the credit shall be the amount in U.S. Dollars that can be purchased by the initial transfer amount under the then applicable foreign exchange rate. The transfer requested by Customer is to be issued or accomplished at Customer's sole risk and its subject to all laws, rules or decrees of any domestic or foreign government, bank, postal authority or other agency which are in force at the time said transfer is made. _ _

Client Acknowledgement You, the Originator, authorizes and request that Bank execute this transfer request in accordance with the instructions noted above. You further acknowledge and agree that you have read and agree to all of the terms arid conditions noted above.

Signature: Authorized Client Date:

Reference Number: to o ^ / V ~~ O V 0

01455

NationalCHyName Martha Grimm TIN# 386428776AddrLinel 1810 Oak Avenue City MuskegonID# g650585067316pee Domestic {$17.00)Phone 231 / 744 - 1126 Ext.Entry Operator: XJQC639

Bank 056 Payment Amount 620.00

. Rate

Addr Line 2

_rJState ID Type

M IU.S. Driver's License

Alt Phone Ext

Zip 4 9445 j Exp 042013

BANK 056

Direct z JCurrency USD

Trader Name Charge Party Hone

US dollar

z i

d

Date Send ziJ 29 0CT 2009

Debit Party D-DDA rj00688496955 MARTHA GRIMM 1810 O M AVE N MUSKEGON MI 49445-3138

Beneficiary Not On UsTERESA STRATTON

Beneficiary's Bank A-ABA T:1122105278WELLS FARGO BANK

. PHOENIX, AZ

You, the Originator, authorizes and request that Bank execute this transfer request in accordance with the instructions noted above. Y o u further acknowledge and

Sianature: Authorized C lient/ / Date: / D / W / W

01457

NationalCvttyBank to Bank Information Originator to Beneficiary Information

Funds Transfer A g r e e m e n t and Disclosure All Wire Transfer Requests Shall B e Subject To The Following Terms And Conditions:Bank, in accordance with its procedures, will select such means and routes for the transfer of funds, as Bank considers appropriate under the circumstances. Bank will not guarantee that transfer requests will be processed on a same-day basis. In any event, however, transfer requests will be processed no later than the second banking day (generally, Monday through Friday, excluding federal holidays) after the request is received. Customer acknowledges that if the transfer request describes the intended recipient of funds inconsistently by n a m e and account number, payment by the receiving bank might be m a d e on the basis of the account number only even if that account is not o w n e d by the person n a m e d in the transfer request, and Customer is obligated to pay the Bank the amount which is directed to the account number given. Bank shall not be obligated to act upon a transfer request unless there are sufficient funds in Customer's account. Bank is relieved of liability if Customer does not review its bank statement and report any discrepancies between Customer's records of the transfer of funds and the bank statement in writing within twenty-one (21) days from the date the statement is mailed or otherwise m a d e available to Customer by Bank. Customer shall have no right to cancel or a m e n d a transfer request after it has been received by Bank. However, Bank shall m ak e a reasonable effort to act on Customer's request for cancellation or a m e ndmen t of a transfer request prior to the time that Bank executes such transfer request, but shall have no liability if such cancellation or amendment is not effected. Customer shall defend and indemnify Bank and save Bank harmless from and against any loss, cost or expense (including reasonable attorney fees) of any kind arising out of any cancellation or amendment. Bank shall be liable only for its failure to exercise commercially reasonable care in the provision of the transfer services described herein. Bank shall have no liability and shall be excused'from any act, failure to act or delay in acting if such act, failure to act or delay is caused in whole or in part by circumstances beyond its control. In no event shall Bank be liable for any special, consequential, or incidental damages in connection with this transfer request, even if Bank has knowledge of the possibility of such damages. Customer shall compensate Bank for services performed by Bank pursuant to this request in accordance with Bank's current schedule of charges. Customer shall be responsible for any and all applicable federal, state and local taxes related to said compensation and the performance of services. Bank shall be entitled to rely upon any written, oral or electronic notice or communication believed by it in good faith to be genuine and to have been signed or given by Customer. Except as otherwise expressly provided for in this transfer request Bank shall not be required to act upon any notice or communication received from Customer, or to provide any notice or communication to Customer, with respect to any matter. This request contains the entire agreement of the parties with respect to its subject matter, and m a y be amended, supplemented, or otherwise modified only in writing signed by both Customer and Bank.International Wire Transfer Requests Shall Be Subject To The Following Additional Terms A n d Conditions:If a transfer requested by Customer is payable in U.S. Dollars, Bank does not guarantee that its correspondents or agents can, will or will not make payment in U. S. Dollars, nor does Bank guarantee that there will be a charge m a d e by s o m e other bank or other entity effecting the transfer issued or made hereunder, in initiating the transfer request, Customer agrees that neither Bank or its correspondents shall be liable for any loss or dam age due to errors, omissions delays, loss or destruction in or through the mail, telegraph or cable of any country. In addition, Bank shall not be responsible for the acts or omissions of any of its correspondents, sub-agents or other agencies employed in making the transfer requested or for any loss caused by forces beyond the control of Bank. All tracers of non-receipt, late receipt or of any other type are subject to Bank's ordinary charges therefor and to charges, if any of its corespondents. If the transfer is payable in a foreign currency, then Customer shall ass ume the risk of any fluctuations in the applicable foreign exchange rate and the amount of the credit shall be the amount in U.S. Dollars that can be purchased by the initial transfer amount under the then applicable foreign exchange rate. The transfer requested by Customer is to be issued or accomplished at Customer's sole risk and its subject to all laws, rules or decrees of any domestic or foreign government, bank, postal authority or other agency which are in force at the time said transfer is made. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Client AcknowledgementYou, the Originator, authorizes and request that Bank execute this transfer request in accordance with the instructions noted above. You further acknowledge and agree that you.have read and agree to all of the terms and conditions noted above. ,

Signature: Authorized ClientV^

0 59

Name Martha GrimmAddrLinel 1810 Oak Ave City MuskegonID# G650585067316pee Domestic ($17.00)Phone 231 / 744 - 1126 ExtEntry Operator: XMBF23V

Bank 056 Payment Amount 450.00

Rate

i i

TIN# 386428776Addr Line 2 State ID Type

MI Zip 49445U.S. Driver's License Exp 042013

Alt Phone

BANK 056

/

DirectCurrency USD - US dollar J

Trader NameCharge Party None Trj

Date Send j l i 5 NOV 2009

Debit Party ^^ J o O 688496955 MARTHA GRIMM 1810 OAK AVE N MUSKEGON MI 49445-3138

Beneficiary Not On Us ^rJTeresa Stratton 6350790157

Beneficiary's Bank A-ABA 122105278 WELLS FARGO BANK PHOENIX, AZ

Client Acknowledgement You, the Originator, authorizes and request that Bank execute this transfer request in accordance with the instructions noted above. Y o u further acknowledge and agree that you have read and agree to all of the terms and conditions.

Signature: Authorized Client_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Date:_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _Reference N u m b e r _ _ _ _ _ _ _ _ _ Q U ^ ^

01461

National CityBank to Bank Information Originator to Beneficiary Information

Fun d s Transfer A g r e e m e n t a n d Disclosure All Wire Transfer Requests Shall B e Subject To The Following Terms A n d Conditions:

i,s Procedres;. w f(se,ef such m e a n s and routes for the transfer of funds, as Bank considers appropriate under the circumstances Bank will not guarantee that transfer requests will be processed on a same-day basis. In any event however transfer reouests will be processed no later than the second banking day (generally, Mo n d a y through Friday, excluding federal holidays) after the request is received Customer ^ e i ^ leK0et "m 'k 6 'ra"Sfer rlques, describes the in,ended reciP|e"' f ^ n d s inconsistently by n a m e and a w o u n t n u X r p a y S

defend i n r i Xe S req1est' bushal1 have no ,iabllity such cancellation or a m e n d m e n t is not effected. Customer shall

written ^ 6 ' S'a e a d local ,axes rela ed t0 sald compensation and the performance of services. Bank shall be entitled to rely upon anyvvntten, oral or electronic notice or communication believed by it in good faith to be genuine and to have been signed or given by Customer Except astoorwidt anvrnnrBPm r ded r '* ^ ank shal1 no1 b required to act upon any notice or communication received from Customer, orto ite =nHM h n,M,l0^ t0wCuSt0?'er, w 'tb resPect ,0 ar>y matter. This request contains the entire agreement of the parlies with respectto its subject matter, and m a y be amended, supplemented, or otherwise modified only in writing signed by both Customer and Bank.International Wire Transfer Requests Shall B e Subject T o The Following Additional Terms A n d Conditions:n a t m t n f ^ i ? ni1id by Cus*.omer is PaVab|e in U.S. Dollars, Bank does not guarantee that its correspondents or agents can, will or will not m ak e m a d p hprpiinrifr inm B a ?k 9uaran ,el hat there w,,l be a cbar9e m a d e by s o m e other bank or other entity effecting the transfer issued orrj?? haIinnC H 6 , 9 the *ransfer recluest, Customer agrees that neither Bank or its correspondents shall be liable for any loss or d a m a g e due to

d? V ?!S r destrucbon ,n or trough the mall, telegraph or cable of any country. In addition, B an k shall not be responsible for theW p c k a?y Pf! p co,n'eAs1Pondents' sub-agents or other agencies employed in making the transfer requested or for any loss caused byr h p m p c XTnP,tbellcon,rDl of Bank-.Allbace? of "on-receipt, late receipt or of any other type are subject to Bank's ordinary charges therefor and to

lf.any.of its correspondents If the transfer is payable in a foreign currency, then Customer shall assume the risk of any fluctuations in the u n d e M h P then a m unt f the credit shal1 be the a m ount in U.S. Dollars that can be purchased by the initial transfer amountP,teteJ te ^ im PP C? ble fre,9n exchange rate. The transfer requested by Customer is to be issued or accomplished at Customer's sole risk and its Uansferte m a d e ^ 65 ^ deCreeS f ^

Name Martha GrinunAddrLinel 1810 Oak Ave City MuskgonID# G650585067316pee Domestic ($17.00)Phone 231 / 744 - 1126 Ext.Entry Operator: XMBF23V

Bank 056 Payment Amount 5 0 0 . 0 0

Rate

Debit Party

TIN# y)040r76 ^Addr Line 2

^ll

State MIID Type U-S Driver's License

Alt Phone / - Ext

Zip 49445 r l Exp 04 2013

BANK 056

Direct

Date Send ill

Currency USD Trader Name Charge Party None

US dollar

10 NOV 2009

D-DDA 00688496955 MARTHA GRIMM 1810 OAK AVE N MUSKEGON MI 49445-3138

Beneficiary Not On Us ^ r j T e r e s a Stratton 6350790157

Beneficiary's Bank ;.T:) 122105278WELLS FARGO BANK PHOENIX, AZ

Client AcknowledgementYou, the Originator, authorizes and request that Bank execute this transfer request in accordance with the instructions noted above. You further acknowledge and agree that you have read and agree to all of the terms and conditions._ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ / / _ ___Signature: Authorized Client. Reference Number_ _ _ _ _

r > Date:- oo oycjip '

/ / / / * A 9

01465

Bank to Bank Information Originator to Beneficiary Information

Funds Transfer A g r e e m e n t a n d Disclosure All Wire Transfer Requests Shall B e Subject T o The Following Terms And Conditions:Bank, in accordance with its procedures, will select such means and routes for the transfer of funds, as Bank considers appropriate under the circumstances. Bank will not guarantee that transfer requests will be processed on a same-day basis. In any event, however, transfer requests will be processed no later than the second banking day (generally, M on day through Friday, excluding federal holidays) after the request is received. Customer acknowledges that if the transfer request describes the intended recipient of funds inconsistently by n a m e and account number, payment by the receiving bank might be m a d e on the basis of the account number only even if that account is not owned by the person n a m e d in the transfer request, and Customer is obligated to pay the Bank the amount which is directed to the account number given. Bank shall not be obligated to act upon a transfer request unless there are sufficient funds in Customer's account. Bank is relieved of liability if Customer does not review its bank statement and report any discrepancies between Customer's records of the transfer of funds and the bank statement in writing within twenty-one (21) days from the date the statement is mailed or otherwise m a d e available to Customer by Bank. Customer shall have no right to cancel or a m e n d a transfer request after it has been received by Bank. However, Bank shall make a reasonable effort to act on Customer's request for cancellation or a m e ndmen t of a transfer request prior to the time that Bank executes such transfer request, but shall have no liability if such cancellation or amendment is not effected. Customer shall defend and indemnify Bank and save Bank harmless from and against any loss, cost or expense (including reasonable attorney fees) of any kind arising out of any cancellation or amendment. Bank shall be liable only for its failure to exercise commercially reasonable care in the provision of the transfer senrices described herein. Bank shall have no liability and shall be excused from any act, failure to act or delay in acting if such act failure to act or delay is caused in whole or in part by circumstances beyond its control. In no event shall Bank be liable for any special, consequential, or incidental dam ages in connection with this transfer request, even if Bank has knowledge of the possibility of such damages. Customer shall compensate Bank for senrices performed by Bank pursuant to this request in accordance with Bank's current schedule of charges. Customer shall be responsible for any and all applicable federal, state and local taxes related to said compensation and the performance of services. Bank shall be entitled to rely upon any written, oral or electronic notice or communication believed by it in good faith to be genuine and to have been signed or given by Customer. Except as otherwise expressly provided for in this transfer request Bank shall not be required to act upon any notice or communication received from Customer, or to provide any notice or communication to Customer, with respect to any matter. This request contains the entire agreement of the parties with respect to its subject matter, and m a y be amended, supplemented, or otherwise modified only in writing signed by both Customer and Bank.International Wire Transfer Requests. Shall Be Subject To The Following Additional Terms A n d Conditions:If a transfer requested by Customer is payable in U.S. Dollars, Bank does not guarantee that its correspondents or agents can, will or will not m ak e payment in U. S. Dollars, nor does Bank guarantee that there will be a charge m a d e by s o m e other bank or other entity effecting the transfer issued or m a d e hereunder. In initiating the transfer request, Customer agrees that neither Bank or its correspondents shall be liable for any loss or d a m a g e due to errors, omissions delays, loss or destroction in or through the mail, telegraph or cable of any country. In addition, Bank shall not be responsible for the acts or omissions of any of its conespondents, sub-agents or other agencies employed in making the transfer requested or for any loss caused by forces beyond the control of Bank. All tracers of non-receipt, late receipt or of any other type are subject to Bank's ordinary charges therefor and to charges, if any of its correspondents. If the transfer is payable in a foreign currency, then Customer shall assume the risk of any fluctuations in the applicable foreign exchange rate and the amount of the credit shall be the amount in U.S. Dollars that can be purchased by the initial transfer amount under the then applicable foreign exchange rate. The transfer requested by Customer is to be issued or accomplished at Customer's sole risk and its subject to all laws, rules or decrees of any domestic or foreign government, bank, postal authority or other agency which are in force at the time said transfer is made.

Client Acknowledgement _____You, the Originator, authorizes and request that Bank execute this transfer request in accordance with the instructions noted above. You further acknowledge and agree that you have read and agree to all of the terms and conditions noted above._ _ _ _ _ _ _ _ _ _

Signature: Authorized Client. Date:Reference Number. / / / o ^ G O O

01467

Name Marhta GrimmAddrLinel 1810 Oak Ave City MuskegnoID# G650585067316pee Domestic ($17.00)Phone 231 / 744 - 1126 ExtEntry Operator: XMBF23V

Bank 056 Payment Amount 360.00

Rate

Debit Party

TIN# 38648776Addr Line 2State ID Type

MIU.S. Driver's License

Alt Phone / - ExL

_ d

ZipExp

49445 .

/ A 0

BANK 056>

Direct

Date Send _rJ

Currency USD Trader Name Charge Party None

US dollar

13 NOV 2009

.t |o 0688496955 MARTHA GRIMM 1810 OAK AVE N MUSKEGON MI 49445-3138

Beneficiary Not On Us VjTeresa Stratton 6350790157

Beneficiary's Bank A-ABA 122105278 WELLS FARGO BANK PHOENIX, AZ

Client AcknowledgementYou, the Originator, authorizes and request that Bank execute this transfer request in accordance with the instrOctions noted above. Y o u further acknowledge and agree that you have read and agree to all of the terms and conditions._____ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ / / _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _Signature: Authorized Client, A - 22k2ZjLReference N u m b e r

Date: 07

01469

Originator to Beneficiary Information

Fun d s Transfer A g r e e m e n t a n d Disclosure All Wire Transfer Requests Shall P e Subject To The Following Terms And Conditions-

drHLciISSwm^ msrntmmmwFInternational Wire Transfer Requests Shall Be Subject To The Following Additional Terms A n d Conditions-Daymenffn'i? q1 nnlil^ P?yab'e in U -S ' Dollare' Bank does not BM n t e a that its correspondents or agents can will or will not m a k e

Signature: Authorized Client^ 7 7 ? / ) t/l/> six . Date:Reference Number:

http ://rpi .ntl-city .net/webmts/entBeneficiary Transfer. do 11/13/2009

0 7

Name Martha GrimmAddrLinel 1810 Oak Ave City N MuskegonID# g650585067316Fee Domestic ($17.00)Phone 231 / 744 - 1126 ExtEntry Operator: XJQC63 9

Bank 056Payment Amount 1350.00

Rate .

zl

TIN# 386428776Addr Line 2 State MI Zip 49445,DType U.S. Drivers License J Exp 042013

Alt Phone

BANK 056

Directiil

Currency dollarTrader Name .Charge Party None .-v j

zl

Date Send 16 NOV 2009

Debit Party D-DDA j/j0O6B8496955 MARTHA GRIMM 1810 OAK AVE N MUSKEGON MI 49445-3138

Beneficiary Not On Us [2253370700TERESA POLDRUGO

Beneficiary's Bank K|256074974 NAVY ECU VIENNA, VA

Client Acknowledgementnoted above. Y o u further acknowledge and

Signature: Authorized Client < ' ^ 14/7 ^ 1/ 7 ^Reference N u m b e r / / / 1?

Date: / H U - / 7 ?

0 73

Originator to Beneficiary Information

T , Funds Transfer Agreement and DisclosureAll Wire Transfer Requests Shall Be Subject T o The Following Terms A n d Conditions:

i m u m m mInternational Wire Transfer Requests Shall Be Subject To The Following Additional Terms A n d Conditions- '

w m m m m m m r n *

Signature: Authorized Client /Reference Number: tZpfyfj//jl? ---

-OryT) ^ / / V I , - M

01475

Page 1 of2

Name Martha GrinunAddrLinel 1810 Oak Ave City MuskegonID# G650585067316Fee Domestic ($17.00)Phone 231 / 744 . 1126 ExLEntry Operator: XMBF23V

Bank 0 5 6Payment Amount 1500.00

Rate

zl

TIN# 386428776Addr Line 2 State m iID Type u-s- Driver's License

Alt Phone

BANK 056

Date Send

Zip 4 9445 -rj Exp 042013

/

Currency USD " us dollarTrader Name Charge Party None

30 NOV 2009

Debit Party

Beneficiary

D - D D Azd 00688496955

MARTHA GRIMM 1810 OAK AVE N MUSKEGON MI 49445-3138 .

Not On Us ^2253370700TERESA POLDRUGO

Beneficiary's Bank ''1256074974 NAVY FCU VIENNA, VA

, Client Acknowledgement_ _ _ _ _ _ _ _ _

- instructions noted above. You further acknowledge andSignature: Authorized Client

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NationalCityBank to Bank Information Originator to Beneficiary Information

...... T , Funds Transfer Agreement and DisclosureAll Wire Transfer Requests Shall Be Subject To The Following Terms And Conditions:

I Client Acknowledgement

Signature: Authorized Client 0*USrrL^7)

Reference Number:_ ___ ^ ) t 3 $ O Q Q / J /.Date: ! ) / * 9

01479

Name Martha GrinunAddrLinel 1810 Oak Ave City MuskegonID# g650585067316Fee Domestic ($17.00)Phone 231 / 744 - 1126 Ext.Entry Operator: XMBF23V

Bank 056Payment Amount i o o o .o o

Rate

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TIN# 386428776Addr Line 2State MI Zip 4 9445,D Type U.S. Driver's License J Exp 042013

Alt Phone / - Ext

BANK 056

DirectCurrency US dollar

Trader Name Charge Party None

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Date Send 7 DEC 2009

Debit Party D-DDA .T.100688496955MARTHA GRIMM 1810 OAK AVE N MUSKEGON MI 49445-3138

Beneficiary Not On Us Tjxeresa Stratton 6350790157

Beneficiary's Bank J[]l22105278WELLS FARGO BANK PHOENIX, AZ

COgnt Acknowledgement

Signalure: Authoriie'l Clionl _ _ _ _ _ _ _ _ _ 0ate.Reference N u m b e r , 9 J ^ * ' J 0 fc, A

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NationalCityBank to Bank Information Originator to Beneficiary Information

i : r ,a,Br shM b< s t Th' i n X 5.r^ : i nd Disasure

s ^ m t z i s s s i s i z s s ^ ^= x yKSSgiiailSS^^out of any cancellation or amendment. Bank shall be liable only for its failure to exercise reaonable attorney fees) of any kind arising

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p.r ;r:Ka ? s r r Bx y . L ^ ^acts or omissions of any of Its correspondents, sub-agents or other aoencies emnioveH in ,n adb'tlon' Bank shal1 not be responsible for the

p s f e r f o m a d T ' nJ,eS fany d0meSticrforeign 9 ~ e n t , bank, postal a u f o o r i M e ^ e n ^ w f o c h ^Client Acknowledgement __

k n o w l e d g e an^ag^ee^fo^you^aveTead1 ^ nd agreefo^ll of foe the in" o n s noted above. You furtherSignature: Authorized Client TTlS'Mftffy fi/s,. Reference Number:

'ysm ].. . Date:

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Name Martha GriirnnAddrLine 1 1810 Oak Ave City MuskegonID# G650585067316Fee Domestic ($17.00)Phone 231 / 744 - 1126 Ext.Entry Operator: XMBF23V

Bank 0 5 6 Payment Amount 100.00

Rate

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TIN# 386428776Addr Line 2 State m iID Type u-s - Driver's License

Alt Phone

BANK 056

Date Send

Zip 49445 H Exp 042013

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Currency DSD ~ S dollarTrader Name Charge Party None

18 DEC 2009

Debit Party

Beneficiary

D-DDA z l 00688496955 MARTHA GRIMM 1810 OAK AVE N MUSKEGON MI 49445-3138

Not On Us ^ 2 2 5 3 3 7 0 7 0 0

TERESA POLDRUGO

Beneficiary's Bank A-ABA^1256074974

NAVY ECU VIENNA, VA

hs noted above. Yo u further acknowledge andSignature: Authorized ClientReference N u m b e r j ? D 9 / j M

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