STATE OF FLORIDA DEPARTMENT OF BUSINESS & PROFESSIONAL REGULATION _ FLORIDA REAL ESTATE APPRAISAL BOARD FLORIDA DEPARTMENT OF BUSINESS & PROFESSIONAL REGULATION, ‘DIVISION OF REAL ESTATE, | i 1 92 Lp p I Petitioner, v. , CASE NO. 2004058695 SALVATORE ANTHONY ROMANO, Respondent. / ADMINISTRATIVE COMPLAINT The Florida Department of Business & Professional Regulation, Division of Real Estate ("Petitioner") files this Administrative Complaint against Salvatore Anthony Romano ¢ Respondent"), and alleges: ESSENTIAL ALLEGATIONS OF MATERIAL FACT A Petitioner is a state government licensing and regulatory agency charged with the responsibility and duty to prosecute Administrative Complaints pursuant to the laws of the State of Florida, including Section 20.165 and Chapters 120, 455 and 475 of the Florida Statutes, and the rules promulgated thereunder. | 2. Respondent is currently a Florida state certified residential real estate appraiser having been issued license 4514 in accordance with Chapter 475 Part Il of the Florida Statutes. 3. The last license the State issued to Respondent was as a state certified residential real estate appraiser at 3800 16"" Avenue N., St. Petersburg, Florida 33713. 4. On or about June 21, 2002, Salvatore A. Romano, (Respondent) developed and FDBPR v. Salvatore Anthony Romano Case No. 2004058695 Administrative Complaint communicated an appraisal report (Report) for property commonly known as 3631 S.W. 143 Lane Road, Ocala, FL 34473, (Subject Property) and estimated its value as $77,000. A copy of the Report is attached hereto and incorporated herein as Administrative Complaint Exhibit 1. 5. At the time the Report was developed and communicated, Respondent was a Registered Trainee Real Estate Appraiser, supervised by Certified Residential Real Estate Appraiser Larry Holzer. A copy of Respondent’s licensure supervision is attached hereto and incorporated herein as Administrative Complaint Composite Exhibit 2. _ 6. Respondent failed to perform appraisal services under the direct supervision of his supervisory appraiser; Respondent’s supervisor, Larry Holzer, claims he did not participate in the development or communication of the Report, and has no knowledge of it However, the report contains Larry Holzer’s digital signature, and the Report indicates that he inspected the Subject Property. / 7. At the time the Report was developed, Respondent accepted payment for appraisal services from someone other than Respondent’s supervisory appraiser, and Respondent failed to obtain his supervisory appraiser’s permission for this payment arrangement. A copy of the receipt for appraisal services in thé amount of $400.00 is attached hereto and incorporated herein as Administrative Complaint Exhibit 3. 8. On or about October 16, 2002, Respondent purchased the Subject Property from the borrower listed on the Report, and Respondent’s appraisal employer is listed as the appraisal company ofrecord. A copy of the U.S. Department of Housing and Urban Development Settlement Statement is attached hereto and incorporated herein as Administrative Complaint Composite FDBPR v. Salvatore Anthony Romano Case No. 2004058695 Administrative Complaint Exhibit 4. Copies of the cancelled checks from the former Subject Property owner to Respondent for the mortgage on the Subject Property are attached hereto and incorporated herein as Administrative Complaint Composite Exhibit 5. 9. Respondent failed to keep and maintain an original or true copy of the Report and the Report work file. 10. The Subject Property is located in Marion County, while Respondent is located in Pinellas County. COUNT I Based upon the foregoing, Respondent is guilty of misreprésentation, in violation of Section 475.624(2), Florida Statutes (2001). COUNT II Based upon the foregoing, Respondent is guilty of failing to Perform appraisal services under the direct supervision of a licensed or certified appraiser who is designated as the primary or secondary supervisory appraiser in violation of Section 475.6221(1), Florida Statutes and, therefore, in violation of Section 475 .624(4), Florida Statutes (2001). ~ | COUNT i Based upon the foregoing, Respondent is guilty of receiving compensation for appraisal services from someone other than the primary supervisory appraiser without obtaining the permission of the supervisory appraiser, in violation of Section 475.6221(2), Florida Statutes and, therefore, in violation of Section 475.624(4), Florida Statutes (2001). FDBPR v. Salvatore Anthony Romano Case No. 2004058695 Administrative Complaint , COUNT IV Based upon the foregoing, Respondent is guilty of failing to retain, for at least five years, original or true copies of any contracts engaging the appraiser’s services, appraisal reports, and supporting data assembled and formulated by the appraiser in preparing appraisal reports in violation of Section 475.629, Florida Statutes and, therefore, in violation of Section 475.624(4), Florida Statutes (2001). . COUNT V Based upon the foregoing, Respondent has violated the Conduct section of the Ethics Rule contained in the Uniform Standards of Professional Appraisal Practice (2001) by communicating assignment results in a misleading or fraudulent manner,.or by communicating a misleading or fraudulent report, or other provision of the Uniform Standards of Professional Appraisal Practice (2001) in violation of Section 475.624(14), Florida Statutes (2001). COUNT VI Based upon the foregoing, Respondent has violated a standard for the development or communication of a real estate appraisal, specifically the definition of Signature in the Definition Section of the USPAP by taking control of and affixing the personal signature of another to an appraisal report, or other provision of the USPAP (2001) in violation of Section 475.624(14), Florida Statutes (2001). COUNT VI Based upon the foregoing, Respondent has violated a standard for the development or communication of a real estate appraisal, specifically Standard Rule 2-3, or other provision of the FDBPR v. Salvatore Anthony Romano Case No. 2004058695 Adininistrative Complaint Uniform Standards of Professional Appraisal Practice (2001) in violation of Section 475.624(14), Flonda Statutes (2001). . WHEREFORE, Petitioner respectfully requests the Florida Real Estate Appraisal Board, or " the Department of Business and. Professional Regulation, as may be appropriate, to issue a Final Order as final agency action finding the Respondent(s) guilty as charged. The penalties which may be imposed for violation(s) of Chapter 475 of the Florida Statutes, depending upon the severity of the offense(s), include: revocation of the license, registration, or certificate; suspension of the license, registration or certificate for a period not to exceed ten (10) years; imposition. of an administrative fine of up to $5,000 for each count or offense; imposition of investigative costs; issuance of a ‘reprimand; imposition of probation subject to terms including, but not limited to, requiring the licensee, registrant, or certificate holder to complete and pass additional appraisal education courses; publication, or any combination of the foregoing which may apply. See Section 475.624, Florida Statutes and Rule 61J1-8.002, Florida Administrative Code. The penalties which may be imposed for violation(s) of Chapter 455 of the Florida Statutes, depending upon the severity of the offense(s), include: revocation of the license, registration, or certificate; suspension of the license, registration, or certificate for a period not to exceed ten (10) years; imposition of an administrative fine of up to $5,000 for each count or offense; imposition of investigative costs; issuance of a reprimand: imposition of probation subj ect to terms including, but not limited to, requiring the licensee, registrant, or certificate holder to complete and pass additional appraisal education courses; publication; restriction of practice; injunctive or mandamus relief; imposition of a cease and desist order; or any combination of the foregoing which may apply. See Section 455.227, Fla. Statutes and FDBPR v. Salvatore Anthony Romano Case No. 2004058695 Administrative Complaint Florida Administrative Code Rule 61J1-8.002. SIGNED this 9th day of August, 2006. Florida Department of Business and Professional Regulation By: Michael E. Murphy Division Director Division of Real Estate ATTORNEY FOR PETITIONE Racquel A. White, Senior Attorney Fla. Bar No. 0392669 Division of Real Estate Legal Section 400 W. Robinson Street, N801 Orlando, Florida 32801-1757 (407) 481-5632 (407) 317-7260 - FAX PCP: JS/Ck 8/06 NOTICE TO RESPONDENTS PLEASE BE ADVISED that mediation under Section 120.573 of the Florida Statutes, is not available for administrative disputes involving this type of agency action. PLEASE BE FURTHER ADVISED that pursuant to this Administrative Complaint you may request, within the time allowed by law, a hearing to be conducted in this matter in accordance with Sections 120.569 and 120.57 of the Florida Statutes; that you have ‘the right, at your option and expense, to be represented by counsel or other qualified FDBPR v. Salvatore Anthony Romano Case No. 2004058695 Administrative Complaint , representative in this matter; and that you have the right, at your option and expense, to take testimony, to call and cross-examine witnesses, and to have subpoena and subpoena duces tecum issued on your behalf if a formal hearing is requested. PLEASE BE FURTHER ADVISED that if you do not file an Election of Rights form or some other responsive pleading with the Petitioner within twenty-one (21) days of receipt of this Administrative Complaint, the Petitioner will file with the Florida Real Estate Appraisal Board a motion requesting an informal hearing and entry of an appropriate Final Order which may result in the suspension or revocation of your real estate license or registration. Please see the enclosed Explanation of Rights and Election of Rights form. = a. WOUUWHRL oO. ory Hac 1I-CeYD LDP DY PRUMEHNIHUNY G. w1ls re Fale mo. Right on Time Appratenis, 4nb, “Senne Nehon tow Mase Mg. _ 949 Brugo Avera Clearwater, Florida 31767 (327) 424-7367 (7A7} 393.3960 - Hox Bino Martin Mertgnge Ite. (727) 298-8888 Fax: (727) 467-0900 Name: LOOKUP OR APPRAISAL ORDER Onty Address, Guner Marca, and Owner Rstlreate of Value RequetedRitow DATE: oe 7 appEuss: 2) NOY 1G ae cm: Ovale TiC AL DESCRUPTION: ACTIESS INFORMATION: . - . 35a- 30r — * . WORK: (1) BoM ___ OTHER: LISTING AGENT: SRLLING AGENT: —~ . Ieany. , Hany BORROWER'S NAMES LENDER: Fou, ‘ -. CONTRACT PRECH: 5 HSale Or Nov COLLECT AT DOOR; WHO TO INVOICE: : Thank pon for chousing Right om Tite Appratsals, Ini. ADMINISTRALIVE COMPLAINT B_ EXHIBIT # ] ip rt BAGE yp gOFgyep oy ——__ SHIDO TONADIE 5oYO140N Dee ee GF STATE: E {" _ZP: BYE 23 . Wf Avaliable | Ralosy 2OR2 “Oe-one ASG-19-2RRS 16:81 FROM:ANTHONY G.WDODWARD 813 251 2445 TO:554e241 . recivop scopasiy Dotson UNIE A RESIDENTIAL APPRAISAL REPORT ___«. s02060b8 i i City Ocala __ i Stste FLL Zp Code 34473 it ee County Marion _ i Fa Yer 2001. RE Yoxes$ 796.97. Spock! Assoxemams$ NoneKnow ~ esipant Pwr [| Tenant []Vecont i HOAS None. Mo. Borcw, ManvingJanet Bleckie fat tigh decried [| Fo Sil Neightoxhaod 02 Project Name Marion Oaks Un 02 Sale Price $ N/A. Oats of Sule. N/A F LendersGient Blue Mastin Mortgage priser Sam Romano E Locatien (VJ tran Subsban [_] Rurat Pinp Buit up Over 75% |} 25-75% Growth sale Rarid [x} Stable Stow Owner, ! propety vaines (_) increasing [x] Stzble (_) Decéntwy | {_) Tonant Demandicuppty (7) shotege intctince (} Oxrapy | (1) vacaitins%y wreting ime |) Under 3s. [x] 3-5 mos. Over é mos. | [__} waren i) Noto: Race ard the cactal compestiion of thie nelghbothood are not appraisal factors, . . Noighborhoae bouridarlas and characteiistles: The subject is. located West of Interstate 75 and South of State Road 484 in the, Marion Oaks Subelvision, The area consists of SER and commercial along Staté Road 484, _ : 2 Factors that afiact tho markefabi ity of the properties ia the neighborhood (proximity to eriplayment ‘and smenitlea, employmont stabaity; ‘appeal fo market, efc.): 12] The subject is a frame house thal was constructed in 1975 and is lo¢atéd én a 10,767 Sq.Ft area lol, MOL. The major rity of homes tn. | the neiqhbarhood ave similar in design, age and appeal, containing between 1300-2100 Sq.Ft. of living area with: 3-4 bedrooms. ‘Aapeal to thy market is average. Thare ware no observed unfavorable factors affecting marketability noted.. Schools.shopping end employment centers afe tocated nearby. . _. _. __ Markel candifices hy the éubject velghborhoed (Including suppart far the above conchisions related fo the bend of proparty values, deniendieupply, and marketing tno + such ag detn on competitive pop2rties iés sale in the neighborhood, déectiption of the prevalénce af sales and iinancing concessions. etc. General market conditions are considered favorable, with rates remaining stable. Noninal marketing me is 3-6 moathe,per MLS. {| Project information tor PUDs (4 zpplieable}-- ls the daveloperfbuilder in contral ofthe Homa Owners’ Association (HOA)? yes [JNO Approuimaie total nuerber of unity the sudjest projact NIA + Apprasiviate totabnumber of units for sate in the subject project NEA. I} Duscrbe cerosron etoments and sacrzetional ‘ucilties: NIA A Dinenions 87 X 144 Sa.Ft Let MOL : _ Topography Level ‘Stic area 7 Sq.Ft. Comer Lot [_} Yes [XJ Nor} Ste Typical Spa:ifc zoning cleusification anc deacription R4 Single Family Resdential . ___.} Shape ___MR Pet inspection Zerg compiores DK) Logat _[} Leqalnoncantaming (Sandtatsed use) L) Heal LJ Nozoning | Drainage u ‘Adequate ahest & twa; use te imoroved: XJ Present uso {] Other use (explots) . . “] View esidential Ulitities Pubic Omer Gifelte Improvements. Typo _-—=—=sPuble Privata}” Landateplg For Area fa] Elecirity Sroot Asphait__ [K) . (2) | Oviveway stirtscs: oo Gos. L} Cubiputter None, LL} LLY | Apparent casemends Utilitiest#Average Woke Sidewk Sidewalk. Ss [| FEMA Spcclal Bod Hazard Area |_) Yeu LJ No Sacitery saver [X | steet ights Nore : ~ CY CL remazon Map Date Stora sown [X} Alley None {CY | Fema Map No, Undetermined ___" Coldvenls (apparent adverse essemants, ancrosc>ments, special assessments, side areas, Meg eieements of encroachments noted. Site maintenance Is average. *** The appraiser's Flood. determination software is. unreliable in. thé subject's market ara. Find peclification Is sunpested. ee cent e . - GENERAL DESCRIPTION F KTERIOR DESCRIPTION FOUNDATION No. of Unis One. Fourdation Concrete Sbb Yes. No. ol Storias One ‘rtarier Wells Frame. _._| GawSpaie None Type (Deut) — Detachec | Root Surtace: Shingle Basenéht Nona Cézlgn (Styles Ranch |] Gyaters & Ovmspts. Partial . Eii.fingiPopared Existing _| ‘Window Typa Aluminum Age (fe) 27 | Storn/Saeens: Screenis Eftectiw Ago (Yr) 13 Nanufsciursd House. NO PRIMATE IMPROVE RTS i | al Lott | {1 i Lovel2 | } ~—-L___t Finished atoa above grade contzins: MTERIGR —-Matoriafs/Tond Sion Pars, CatMinyWAve 4 tots DiywalllAvg TraFlnikh = Wood/Avg. Pati Roor = TilefAvg Beta Wensect FibertAve tocrs HiCore/Avg CHIE Porch SarPr.OpPr_ (X) Fence Fence LL Bricow : ,_2 screened porch, a fence, anid a.1 cer ‘Aid Sonal eaves (special energy efficent Items, otc: TRS Sb) Attached garage. - ‘Hon cf wna knprovementy, dep-eciation iphysical, functional, and exterria) improvements were in averace cuncilion at the {ime of inspection, ice was added thatis aot shown on public records. No fuiictional, obsolescence observed: wn remodetingladditions, etc: TAO. |. An additional 320 Sq Ft. of living - tc) pracent In the Impeofements, arcthe sta, of in the raiser atthe Adverse envtonmental condilors (auch as, Sut not limited to, hazardons wa! bstance! | diate v clnity of the subject property: Thars were no advers6 61 ronmental conditions Made known of apparent to the 2p [i time of inspection. See attached Limiting Conditions. ee 7 * Finke MasFure7 25 . “PAGE 10F2 | ~ = Frodo npg Prd Dipl Scio extoren, 6 3SG 72H wre necacin DMINISTRATIVE COMPLAINT EXHIBIT # / PAGE 2 oF AJG-19-2605 16:@3 FROM:PNTHONY G-WOODWARD 813 251 2445 7D:55942241 P2833 Valuation Saction UNL _M RESIDENTIAL APPRAISAL REPORT do. _S0208058 ESVIMATEDSITE VALUE. 2.2. 02. Loy 2200 eee eee = 5.100] Comments on Cost Approach (such as, source of cost estimate, ESTIMATED REPRODUCTION CCST : NEW OF BMP ROVEIENTS: site vahie, square foot calculation and for HUD, VA and FmHA, the Dueling 2,020 $q.FL @$__40.00 =$ 80,800 estimated remahning acancimic tte of tha property): : 89.Ft QS. = 0 Costs were taken froin Marshall & Swill cost manual & ScrPr.OpPr, Fence = 2,000 known local: builders prices. Dep. was arrived @ b S{ GanguCapot 320 Sq.Ft. @S_ 20.00 =~ §,400 AGE/LIFE METHOD * Total Life. Expectancy= 30 Years * Toted Estimated Cost Now |... 222 $ _ 89,200 . - |EsLReiairing Economic life=47 Years ~ Square Foot Lees Physical | Functional ' Edemnal Eat Remaining Econ. ite: © 47 ~—_‘| Calcuflationé-See Alisched Floor Plan Addendum Land Derreciaios $19,300 | | ‘Value artived at by Market Extraction Deprecated Vaue of improvements _ wet 69,900] As i" Valve 0: Site Improvements _ _ 2,000 —t VALUE BY COST APPROACH - - _-77,000}.. i \ya7aa SW 38th a 16237 SW 30th Circle Ocala bop Red & Ext Vispect | PublicRec&Ext Inspect: {PR 3445-1 PR 3032-666. PRESCRIPTION so sAmuimee | DESCRIPTION _; | +()$Agvorent $69,600/Conv ij | $68,000/Conv No Adj Fee Simple iFee Sinol le 10787 $q,Ft. Mout 12939 Sq.FtLMOL i a} 7840 So.FtMOL: ce -None None Fence [Fence Frrankrsa(s Fame, Port, ett. Rasidensiat TResidential Residential. Residential L TRanch Ranch Ranch : | Block/Avg Block/Avg_ ei Block/Avg 4 pAc2aeri2 t No Adj| Ac 16 2 8 : =1,000 | Ac 13 Eff 6 H =4,000 { Average t. Average ‘ Average A ont} soma} Bata at Tan! paint | tote Jet | Gare} Oren 50 G31 2.00; +500/7 7] 4... 2.00; +500] 7: 4! 2.00 | +500: i 1,368 SoFt + +9,800 4,638 Sort! +5,700 1,681 SqFt i ¥5,100: Pjone - ot - |None . None : Z Hl fininé Balow Grade | None “None Hl : . ! None f Fintona Utity auerasa Average H i Averaua i Average H Heino | CentratvAvg iCentraava i. Central/Avg. CentraVAvg. $ Enaigy Eton! os teaiva H Fans/Ay, 7 FanslAvg i GerixiatCumort Ti'car att-Garsge |2 car At-Garay ago. t___-2,0002-Car att Garaget 72,0002 car Att-Garage + 2,000 Purch; Pafic, Dack, | OpPr,SerPr ogre t OpPr.SerPr . No: Adj | OpPr } +#,000 i Noni Nona 4 t H Fefica Pool Not Adj. (tetply Adusted Sebys Pris pf Gormparablé: : Conunents on Sales Compete ack ding the sutfect property's. compatibility tothe neig! i were given equal consideration, due to.thelr sitet in living area, amentles, fot she afd condition: Sales 1-3 are located within the market area, and are fellabie Indicators of the range of value for the immediate -nejahibomnond. 81,200} 200 $4 COMPARABLE NO.2 I COMPARABLE NO. $ No Piior Sales jNo Prior Sales. = Tren SUaJECT. COMPARABLE NO. Bute, Price ind Dola [No Prior Seles | No Prior Sales’ Sommnbeproreilas [Within t Year; Within 1 Year Within 1 Year {Within 1 Year witiayeet d epcraisal {Per Pub Records |Per Pub Records ér Pub Records. |Per Pub Records ‘ArralySis of ery current agreement at sale, option, ar sting of the ‘cubject property and analysis of any pplor solic of sujéct ond compernbles witrone yeas of the-dete-of appratsat These wes no prior listing, or sele of the subject property in the past one year. os IND CATED VALUE BY SALEH COMPARISON APPROACH [il worcaTep VALUE 37 INCOME APPROACH (i Applicable) Estimated Market ‘Thls appratiatis made (x) “as {s* abject Werepif,ducline pace er onions ted bl | ean ons ct Appraisal: UMITED APPRAISAL: SUMMARY APPRAISAL, REPORT. 77008 \ NA ‘Gross Rent Muliipie [_} stubjsct to completion per platis-ced spadiicstioys, Sach, Consideration was alsd given to the Cost jach IS not.applicable: here. See attached addendum. i Frid Recondiation, Primary consideration was iwen fo the Sales Compe 5 ) Adproach as It provides support in arriving at a final value. Tho income Appro EE {at The apows of io appainlls lo cote bo aera vate ofthe realaropay hale the ube Tihs repor, based on the above codons and te cerBictin, content ¥ siting cor, rani etn ot ne ee 439 annie Mog ors eed 603 THISREPORT.ASOF June 21, 2002 | APPRAISER: VISORY APPRAISER {ONLY IF REQUIRED): | Sivestre é et Dido oat nor’ Inepect Property Nese g Sani Romano Oete Report Spre¢_ Junie 27, 2602 | State Certiicaton kt State-Rag Assist. Res. Appraiser State FL. Stité Corfi | Or Sale Licanse§__RIB355 Stote_ __OF State Loonea & RD-0003330 ADMUNISTRATIVE COMPLAIN EXHIBIT 4. ’ Pi Proguced using Polarakt Dita! Babiaone mores, 800 2a pF we poinlinosre.cn RIGHT ON TIME APPRAISALS, INC. AIG-19-20K5 16:03 FROM: ANTHONY G.HOOOWARD 813 251 2445 , TG:5542241 P.29°39 UNIFU. of RESIDENTIAL APPRAISAL REPORT __+ _, S0206058 COMPARABLE NO. 5. COMPARABLE NO. 8 - uppfornantal Veluation. Section t SUBIECT 3631 SW 13rd Address_ Ocala DESCRIPTION | +¢ysaguiem rs Nii t : t 4 i ¢ . Locition me je Lemicifersnes | Fee Simale ‘ te 10787 So.FLMOL Sg.FLMOL -4,000 at A fp Residential a — {Ranch at io [BlockAy H i Fae 28 Eff 14 a H th ' i 4 om fe a: 250) 6! 3 i H 2,020 So.FL 4 aft. t i Nowe ot None wt z Average mat tingiCooling Gertrev Avg CentraAvg ot ay Biiert ems | FansiAa [FansfAvg i LL i _ : [GarpqeCaport 11 car Atl-Garage [1 car At-Garage t Vid Porch, Patio, Dick, |OpPr.SerPr OpPr : f Firepocds to None : None H +1,000 . SUSJEC” | ____ COMPARABLE NO. 4 E COMPARABLE NO. 5 COMPARABLE NO. 6 Dats, Price and Dete [Ma Priar Sales No Prior Sales . . Soatetrpy sides {Within tear | Within 1 Year Hl wasn year oferta | Per Pu Records |Per Pub Records : ‘ Hee en pear pt, og othe eblod pay wed wt fay rab aia mils itn nm yur cava NIS== ie =ADDITIONAL-GOMMi ACER ALR IENS Fis 7 ADMINISTRATIVE COMPLAINT Fy ta exMiBIT #_ fer. aha eaGe __~f __. OF ____——- Modifiers ADMINISTRATIVE COMPLAINT. : EXHIBIT #_ 24.51 }603, CASH TYPE OF LOAN SETTLEMENT STATEMENT yo nts 2 CV nem a EX) convo, Alamo Title Company, Inc. Y : 13825 U.S. Highway 19, Suite 200 + OF + Ey cow.ne, 6. FILENUMBER: 7, LOAN NUMBER: 02-05-1797 1095554430 & MORTGAGEINS. CASE NO.; Hudson, Florida 34667 C, NOTE: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by ihe Sefilement agent are shown. tems marked "(.0.c.)"were paid ouside the closing: they are shown here for informational purposes and are not included in the totals. JANET BLECKLEY, UNREMARRIED WIDOW AND SURVIVING SPOUSE OF MARVIN ADDRESS OP SELLER: = By ECKLEY, DECEASED 3631 SW 143RD LANE ROAD OCALA, FLORIDA 34473 OE: 334 — t 21, Block 41, MARION OAKS UNIT TWO, Bk O, Pg 19 THROUGH T 16, 2002 a SUMMARY OF BORROWER'S TRANSACTION. ; K + ADJUSTMENTS FOR ITEMS UNPAID BY SELLER: $10. Cityhown taxes 520, TOTALREDUCTIONS IN AMOUNT DUE TO SELLER: C[%)76) (1 From) SELLER: » 6,776.31 Feo MFSAI . Payoff (s): FIRST FRANKLIN LOAN SERVICES | moa ose, : oN. RESHA. mal f 2. OMB No 2502-0265 aT CHARGES “SETTLEMENT 700. TOTALSALE! SER'S COMMISSION: = = a ij = | S fu ty a > & ae 13 , é lv : ee | ; : FIRST AMERICAN FLOOD DATA | = a - Bee il Cause oe : : : Sl eee 2 & g 1400, TOTR, SETTLEMENT CHARGES Enter on line 103, Section J - and - line 502, Section K) 4,403.35] 10,908.25 SAY ip! Oe ba sao ‘Btatemint and to thé brat of my knowledge aod acbural of sl receipts and disbursements weds en may vecount or siete ene cman pret Ate Be SI emis ah balay penne » mS : - Senlement Age __- nea Vida 24. - October 16, 2002 MARIA K. BRAS! File No. 92-05-1797 t l i ‘Mts crime to knowingly make falas aatements lo the United Slates on this or any olher similse form. Penaiica opoa conviction ean induds = Foe or imprisonment, For d aore. _ For setilly obs WARNING: ‘Title 8 U.S. Cede Becton 1001 and’ ADMINISTRATIVE. COMPLAINT EXHIBIT #_ 5" cL AGREEMENT FOR DEED payments Bleckley, Janet | ’ “ON TIME” PAYMENT — DUE ON OR BEFORE | Febra EIT $808. 55 PAYMENT 3 “LATE PAYMENT — DUE ON OR AFTER February 10-2003- $888.55 Loan Number 1095554430 . Mail payment to: R&R Consultants 10362 Nina St. Ley Aff JOU a SYHS S Seminole, Florida 33778 : et Le, LD 0 fe a, Tok IOP 3 Mia Lé Lev wer afle | fLkhie AC33 (2362 Peres LA. Poe le, SLL. 23 77 F- Ce bred fibers: ad veh fore Pager a V4. F009 IEG peer ip ben Zy SESSVYEIO ADMINISTRATIVE COMPLAINT. om EXHIBIT # OAGE OOF gure ed pret Mey Sut Hoar #70 95 TZIY SO lint dee m oe before 9.4008 of deem em offliv pees eee Rei Coaettace [OBL A Peet Bonceete (fbn sre | , Boag Jouymor” jegre™ a Puntozes eye po | JE COMPLAINT. : EXHIEIT iB _ ee MET PAGE 2M or March-#=2003 $808.55 PAYMENT 4 “March ¥6; 2003 $888.55 Jubeio bw divi GUE ADMINISTRATIVE COMPLAIN exept #13 a a or a? oF EXHIBIT 4 Sere a . PAGE 2 F wo, Lb AGREEMENT FOR DEED payments Bleckley, Janet J a " “ON TIME” PAYMENT — DUE ON OR BEFORE Aprilsi, 2003 $808.55 PAYMENT 5 “LATE PAYMENT — DUE ON OR AFTER April 48, 2003 $888.55 Loan Number 1095554430 fe Mail payment to: R&R Consultants. — 10362 Nina St. Seminole, Florida 33778 ve COMPLAINT Vey & ADMINISTRATIVE COMPLAINT. EXHIBIT #_S_ PAGE 7 OF / ndlojed dor Aloe 4 a oo POE LAE, PRX fOheiyf Ween? ANET M. BLECKLEY, - nt 'S,W. 143rd Ln. Rd. , 0 879 Ocala, FL 34473 , . 63-72/631. Pay-to th Onderof : “Suntrust 7 - SunTrust Bank, North Central Florida RATE 6 A wero TIE, ee ADMINISTRATIVE COMPLAINT. 4O te oO

Docket for Case No: 10-000236PL