Complaint (D.E. 1-SCH V FAB-17-80728-S.D.F.L.) June 13, 2017

Case 9:17-cv-80728-DMM Document 1 Entered on FLSD Docket 06/13/2017 Page 1 of 25
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LAURENCE SCHNEIDER, CaseNo. :
Plaintiff PLAINTIFF'S COM PLAINT FOR:
1. VIOLATION O F THE FAIR

VS. CREDIT REPO RTING ACT
2. VIOLATION OF THE FAIR DEBT
C O LLE CTIO N S PR ACTIC ES A C T
FIR ST AM ER ICA N B AN K ,as 3. VIO LAT IO N O F SEC TIO N 5 O F
successor by m erger to Bank of Coral TH E FTC A C T
G ables,LL C. 4. BREACH OF CONTM CT
D efendants
Jury TrialD em anded
17-cv-80728 MARRA/MATTHEWMAN
PlaintiffLaurence Schneider(hereinafterreferred to as Stplaintiff')hereby allegesin this
Com plaintagainst DefendantFirst Am erican Bank, as successor by merger to Bank of Coral
Gables,LLC (hereinafterICFAB''orllDefendanf')asfollows:
N A TU R E O F TH IS A C TIO N
Thisaction arisesoutofDefendant'sfailuretoprovide financialservicesand debtcollection
servicesinamnnnerconsistentwith itslegalobligationsunder:(a)theFairCreditReportingAct
(iTCRA''),15U.S.C.jj 1681-1681x;(b)theFairDebtCollection PracticesActCTDCPA'D,15
U.S.C.jj 1692-1692p;(c)theFederalTradeCommission (ûûFTC'')Act,15U.S.C.j44'
,and (d)
theHome Equity LineofCredit(ûCHELOC'').Pursuantto thisadion,Plaintiffseeksto obtain
monetary civilpenalties,apermanentinjunction,restitution,disgorgement,monetary damages,
and otherequitablereliefforDefendant'sviolationsoftheaforesaid Actsand breach ofcontract.
D.E. 1
Ex. B, 6/5/15 Ltr FAB V.P. J. Anderson To Schneider. re. FAB Clerical Errors (p.35)
Ex. E, 11/18/15 Email From Schneider To Hagan re. Harms 1st Fid. & S & A Capital (p. 53)
11/30/15 Letter From H. Bolz, III of Keller & Bolz To Schneider re. FCRA (p. 54-55)
1/18/15 Email Schneider To Bolz re. Continued Harms, Reporting (pp. 56-58)
Ex. H, 5/26/17 QWR response Smith to Schneider (pp. 59-62)
4/17/17 Certified Letter Schneider To Smith re. Missing Periodic Billing Statements (p. 63)
TH E PA R TIES
Plaintiff
1. Plaintiffisa citizen and domiciled in Palm Beach County, Florida,and the lawfulowner
ofaprcelofrealproperty(hereinafter:çsubjectProperty'')locatedinPalm Beach County

at 17685 Pond Court,Boca Raton,FL 33496.
D efendant
Defendant FAB is an lllinois bnnking corporation conducting business in Palm Beach
County,Florida,w ith itsprincipalplaceofbusinessin E1k GroveVillage, Illinois.
DefendantFAB m erged with the Bank of CoralGables,a non-mem ber of the Federal
Reserve System , effective D ecem ber 5, 2014, acquiring the assets and assum ing the
contractualobligationsoftheBank ofCoralGables.
JU m SD IC TIO N A N D V EN U E
ThisCourthasfederalquestionjurisdictionpursuantto28U.S.C.j1331.
ThisCourthasdiversityjurisdictionpursuantto28U.S.C.j1332(a)astheamountinissue
in this adion exceeds $75,000,exelusive of interest,costs,and attom eys'fees,and is
between citizensofdifferentstates (Plaintiffisa citizen ofFlorida and Defendantisa

citizenofIllinois).
ThisCourthaspersonaljurisdiction overtheDefendantpursuanttoFla.Stat.j48.193.
VenueliesinthisDistrictpursuantto28U.S.C.j 1391(b)becausetheSubjectProperty at
issueinthispresentlawsuitlieswithinthejurisdictionallimitsofthisCourt.
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ALLEGATIONS COM M ON TO ALL CLAIM S
8. Thiscase arisesfrom a ptlrchase money, federally related firstlien mortgage loan, w hich
PlaintiffexecutedsimultaneouslyupontheclosingandacquisitionoftheSubjectProperty
atissue.
Execution ofH ELOC on SubiectPropertv
9. On July 26,2006,Plaintiffand Stephanie L. SchneiderpurchasedtheSubjectPropertyat
issuewith cashandacashier'scheck for$1,427,471,19 to serveastheirprincipalresidence .
10. On the sam e date,Plaintiff closed on a HELOC with the Bank of Coral Cables in the
amountof$1,500,000.00ontheSubjectProperty.A copyoftheHELOC isattachedhereto

asExhibitB to the Com plaint.
The HELOC was obtained for personal and household purposes, w hich included a
substantial nm otmt of interior woodwork,build out and com pletion of certain design
elementsofthehom e,along with landscaping andrequired code upgrades.
12. Ftm ding forthe H ELOC w asbased upon afaulty and intlated property appraisalperform ed
in M arch 2006,valuingthehom eat$2,000,000.00.

According to theterm softheHELOC,Plaintiffspaym entwasdue by the ''paymentdue
clitttt.''
Under the w ritten term s of the HELO C ,Plaintiff's paym entw ould be late if itw as not
received within 15 daysafterthe ''Paym entduedate''on the periodic statement.
15. Thewrittenterm softheHELOC donotspecifyafixeddayofthemonthby whichpayment
m ustbe received.
U nderthe term s ofthe HELO C,the balance upon which finance charges are chargeable is
determined by the beginning balance ofthe priorday,to which new advancesare added
3
and paym ents and creditsare subtracted. Finance charges are calculated on this balance
daily in accordancewith the ''dailybalancem ethod.''
Thewritten termsofthe HELOC,in relevantpart, do notdefinenew advancesto include
interestcharges.
Plaintifftook the firstdraw on the HELOC on M arch 3, 2007 and made regularinterest
paymentsby thetsrstofeverym onth,which includedinterestcalculatedup tothe 15th day
ofthepriorm onth.
Bank ofCoralG ables'M ereer w ith FAB
19. Upon infonnation and belief,FAB merged with the Bank of Coral Gables spmetime
between them onthsofNovemberand Decemberof2014.
20. FAB hasnotprovided evidenceto Plaintiffthatam ergerwith the Bank ofCoralGables
includedan assignmentand/ortrr sferandvestedrighttotheSubjectPropertyàtissueor

theexecuted HELOC.
21. Plaintiffdid notreceive any letteroftransferofservicing from FAB orfrom the Bank of
CoralGablesregardingthesubjectHELOC.
FAB'SInternalErrorts)
Plaintiffsfirstcontactfrom FAB wasby telephone in M ay 2015, in which FAB advised
PlaintiffthatifheûldidnotpaypastdueamountsowedonthesubjectHELOC,FAB would
foreclose.''
23. During the call,FAB representativesadvised the PlaintiffthatFAB had m erged with the
Bank of Coral Gables and that FAB now owned both his HELOC and underlying
m ortgage.
4
24. During thisM ay 2015 telephone conversation, FAB representatives confirmed thatFAB
hadsentnotificationofloantransfer(RESPA Letter)and statementstoanincompletepost

officeboxmailingaddressandwiththesubjectproperties'city,state,andzip code .
Plaintiffadvised FAB thatallincorrectm ailwould notnecessarily be fonvarded and that
hehadnotyetreceived any such forwarded mailfrom FAB .
26. On M ay 28,2015,Plaintiffreceived wire instructions forthe M ay 1, 2015 and April 1,
2015 paym ents from FA B representatives.
27. Plaintiffrequested verification ofthe accountnum berbecause there wasno pre-existing
accountor loan num berw ith FA B .
28. FAB advised Plaintiffto continueusing theBank ofCoralGablesaccountnumberand his
nnm e foridentitk ation forw ire paym entpurposes.
PlaintiffM adeTim elv Pavm entson theHELOC
29. O n M ay 28,2015,PlaintiffsenthisA pril1, 2015 and M ay 1,2015 paym ents by w ire.
30. On M ay 29,2015,upon request,FAB contirmed receiptofpaym ents thatwere due on
April1,2015 and M ay 1,2015.
On June 1,2015,Plaintiffwrote to FA B , advising thathe had notreceived an invoicefor
hisJune 1,2015 paym ent,and therefore did notknow the amountowed forthe June 1,
2015 paym ent.
32. On June 3,2015,Jnmes Kielbasa of FAB apologized to Plaintiffvia emailfor the late
responseandadvisedthattheamountduefortheJune 1,2015paym entwas$4,42764.M r. .
Kielbasarequested confirmation ofreceiptoftheJuly 1, 2015 statem ent.
5
FA B'S M isrepresentations and M isappropriations
33. On June 5,2015,JenniferAnderson,VicePresidentatFirstAmerican Bank sentPlaintiff
a letterwhich acknowledged thatFAB'Sclericalerrors oceurred dlzringthe recentm erger
with Bank of CoralGables.FAB sent confinnation that it had erroneously printed an
incorrectbilling addressand due to FAB'Sclericalerror, Plaintiff s paym ents were Gnot
consideredlate''gEmphasisAddedl.
34. M s.Anderson also stated,tt-foday,w e have asked the creditagenciesto corred yolzrcredit
fileto satisfactory status.'' M s.Anderson provided thePlaintiffthennme, address,phone
ntlm berand w ebsite inform ation forExperian,Trans U nion,Equifax and lnnovis. A copy
ofthe June5,2015 Letterfrom Jerm iferAnderson isattached herewith asExhibitB to the
Com plaint.
FAB'Scleriealerroroccun'ed during itsm ergerwith the Bank ofCoralGables, and FA B
assured Plaintiffthatthe delinquenciesreported in A pril2015 with al1three creditbureaus
would be imm ediately corrected.
36. This was not,and atthe tim e offiling this Com plaint, done,despite reassurances from
FAB,which wasin breach ofthe implied covenantofgood faith and fairdealings, along
w ith the expressterm softhe HELO C .
37. FAB,however,continued to calculate accrued intereston the outstanding balance, which
includedthelatefees,even thoughthelatefeeswererepresented to Plaintiffashavingbeen
reversed.
38. On June8,2015,Plaintiffreaffirm edtoFAB thatpaymentfortheperiodicbillingdueJune
1,2015,w asim m ediately m ade on June 5,2015,as instructed.
6
39. On June 20,2015 Plaintiff wrote to FAB'S Jnmes Kielbasa, affirming receipt of the
statem ent forthe July 1,20l5 paym entdue date and contirm ed FA B 'S use of Plaintiff s
correctmailing address.
40. On thesam eday,Plaintiffsentawritten requestfortheyearto datecharge/paym enthistory
and a copy ofthe prom issory note to reconcile the interestwith the outstanding balance
owed on theHELOC.
41. On June 26,2015, Plaintiffinfonned M ilton Espinoza, Vice President,and Comm ercial
Loan Relationship M anageratFAB, that he w as continuing to be billed for late charges
priorto the paym entdue date and thatthis advanced billing was partofthe continuing
problem sPlaintiffwasencounteringwith hisaccotmt.
42. Plaintiffadvised FAB thatthe loan wasboarded by FAB with num erouserrors, including
awrongbilling addresswhich delayed Plaintiffsreceiptofm onthly statem ents, and made
yetanotherwritten demand forcopiesofthenote, m ortgage,and the yearto date paym ent
history in an attemptto reconcileinterestcharged and outstanding balance to date.
43. M ilton Espinoza ofFAB provided Plaintiffwith a partialloan history, which wasdated
Jtme 26,2015,butwhich neitheroffered norprovided an explanation ofthe partialloan
history extracted from FAB'Srecordkeeping system s.
44. On June 26,2015,M ilton Espinoza emailed Plaintiffpdfversionsofthe prom issory note
and m ortgage from theBnnk ofCoralGables.
45. On June 27,2015,Plaintiffem ailed a written requestforexplanation to M ilton Espinoza
regardingFAB'SsJuly 1,2015 statem entand attached theJuly statem entreferenced in the
letterto requestclarification aboutwhethertheduedatewasthe 1stor15th ofevery month,

becauseFAB'Ssystem continued to record paymentsaslate and assessed a latechargeon
each ofPlaintiff'spaym ents,
46. On July 15,2015,FA B received $4,055.91through awire paym entfrom Plaintiffforthe

July 1,2015billing nm ountowed.
ln July 2015,Plaintiff called the customer servicer numberlisted on the FA B periodic
statement,for clarification ofthe nm ount due and thatthe accountwas in good status.
However,the custom erserviceagentcould notprovidePlaintiffany accurateinform ation
asto eitherquestion.Afterkeeping Plaintiffon hold forfifteen m inutes, he cam e back on
the phone,informing Plaintiffthathe had to check with his supervisorand would return
the call. Plaintiffneverreceived areturn callfrom FAB custom erservice,
48. On August8,2015,Plaintiffwrote to FAB'SBrian Hagan regarding the settlem entofthe
HELOC,noting the derogatory reporting on credit due to incorrect loan boarding and
incompetenceby FAB and provided a copy ofthe Jtme 5, 2015 letterfrom M s.Anderson
toPlaintiftlacknowledgingthatitwasFAB'Sfaultforthebillingerrors.
49. On August28,2015,FAB received $4,297.83 via awirepaym entfrom Plaintiff
50. On Septem ber30.2015,FAB received $3,977.53 viaa wire paymentfrom Plaintiff On

thesnmeday,Plaintiffwroteto FAB'Sauthorizedrepresentative, Brian Hagan,confinning
hisSeptem ber 1,2015 paym enton the H ELO C account, advisingoftlawedinfonnation in
the servicing system of records,directing FAB to apply the paym entaccordingly, and
noting hisfrustration concem ing FA B 'S continuing erroneous and derogatory reporting of
the account,despite num erous requeststo FA B to correctthe inform ation and D efendant's
prom isesto do so.
8
51. On Odober 1,2015,Brian Hagan confirm ed receipt ofPlaintiffs September 30, 2015
paym entand requested thatPlaintiffcallhim with any questionsregarding the October 1,
2015payment.
On October27,2015,Plaintiffcalled the FAB'S customer service num ber listed on the
PeriodicBilling Statem ent;however,customerserviceresponded thatthey wereunableto
determ ine the H ELO C accotmtinform ation w ith accuracy atthattim e.
53. On October27,2015,Plaintiff again wrote to Brian Hagan to addressFAB'S faillzre to
address and rem ediate itstlawed system s ofrecords, which continued to reportthatthe
HELOC accotmtwasdelinquentforsix monthsand morethan 30 dayspastdueforOctober
2015, thereby fraudulently com zpting credit worthiness and resulting in several failed
attemptsto seeure financing and the custom erservice departm ent'sinability to determine
the lastpaid date and nextdue date ofthe m ortgage loan.
54. An October27,2015 creditreportobtained by Plaintiffindicated thatFAB had reported
delinquenciesforpaym entsdueon Odober2015and September2015 with a11threecredit
btlreaus,along with a balance of$1,495,469.00. A copy ofthe Odober27, 2015 credit
reportisattached hereto asExhibitC to theComplaint.
According to this Od ober27,2015 creditreportofPlaintiff, FAB reported the lastadivity
w asin October2015. A ccording to thetri-m erge creditreport, FA B show ed Plaintiffto be
$3,982 pastdue.Furthermore,thereportstatedthatPlaintiffwasbetween 30-59 dayslate,

tw ice in O ctober2015 and Septem ber2015. A gain, before the m onth ofOctoberhad even
expired,FAB had already inform ed the credit bureaus that Plaintiffs October 1, 2015
paym ent w as already over 30 days late, in addition to not rem oving the late paym ent
notification forthe Septem ber1,2015 HELOC paym ent.
9
56. On October 30,2015, Plaintiffwrote to Brian Hagan to inquire abouthow FAB would
remediate the continued erroneouscreditreporting ofthe HELOC accountand the hnrm
such erroneousreportinghadcaused Plaintiffto date. Plaintiffagain requested acomplete
paymenthistoryoftheaccountfrom origination, aswellasacopyoftheentireorigination
file,along with any and allprior billing statements, notices,and other correspondence
pertainingtotheorigination and servicingoftheloan and asked thattherequestbedeemed
aqualifed written request. On the same date, Plaintiffalso asked foran explanation for
the failure ofthe application ofthe Septem ber2015 paym ent, asthe prom ised verification
didnotoccurand theSeptember2015paymentwasnotapplied properly.
On O ctober30,2015,Brian H agan wrote back to thnnk Plaintiffforthe em ailand to advise
him thattheOctober1,2015 paym entin the amountof$4,646.05wasdue,alongwith the
Novem ber 1,2015paym entin thenmountof$3,823.29. Brian Hagan also requested that
the Plaintiff provide his personal tax retul'
ns and personal financial statement for
consideration ofadeed in lieu.
58. On October30,2015,FAB received $4,646.05 from Plaintiff .
59. On N ovem ber 4,2015,Plaintiff again w rote to FA B'S authorized representative Brian
,
Hagan,requesting inform ation and docum entation regarding the stepsFAB had taken to
ensurethattheerroneousreportingm adeby FAB tothecreditbureaushadbeen rem edied,
as Plaintiffs creditwas continuing to suffer as a directand proxim ate resultofFAB'S
faillzre to apply Plaintiff's paym ents to the H ELO C account and continued reporting of
negative and inaccurate information to a11creditagencies. Plaintiffspecitk ally cited the
need fordocumentation and included a copy ofthe correspondence thatFAB sentto the
creditagencies,acknowledging thatPlaintiffspaym entshad been tim ely.
10
60. On November4,2015, Brian Hagan responded thathe wasin possession ofthe paym ent
history,w hich w ould be sentto Plaintiff, and thatalthough he had been advised thatthe
credit reporting was accurate,he would lûdouble check''and provide Plaintiffwith the
correspondence between FAB and the creditreporting agenciesregarding the matter. A
copy oftheemailexchangebetweenPlaintiffandBrian Hagan isattached hereto asExhibit
D to the Complaint.
61. N o such correspondence w as everreceived from Brian H agan orFA B .
62. On Novem ber5,2015, Plaintiffagain wrote to Brian Hagan expressing extreme concern
overasstlrances by FAB employeesregarding the accuracy ofthe creditreporting since

Plaintiff'spaym entsw ere reported as late.
63. W hen Plaintiff asked for an explanation from Brian Hagan as to why he was marked
delinquenton theaccountwhenBrianHagan confirmedthathisstatuswascurrent, Plaintiff
wasadvised to dealonly with Brian Hagan. Thiswas specifically because FAB 'Sbilling
recordswereseverelycom zptby FAB'Smultipleclericalerrors, m isapplicationofHELOC
paym ents, incorrect billing cycles and erroneous boarding of Plaintiffs HELOC
inform ation at the time of m erger with Bank of Coral Gables. The culmination and
compounding ofthese errors made itimpossible for anyone atFAB to provide Plaintiff
withtim ely andaccurate information regarding Plaintiff'sfederally related mortgageloan.
FA B also wanted to keep the m atter contained and notexpanded through inquiries w ith
FAB'Sloan servicing department.
64. Plaintiffwasnow torely on M r.Hagan'sinform ation and commtmication astohow m uch
themonthly paym entwould beeach m onth.
Thus,Plaintiffmademultiplepaym entsasdirected by Brian Hagan him self.
11
66. Plaintiffagain requested detailed explanationsforinterestratecalculations, specificbilling
cycle information forthe m onths ofSeptember1, 2015,October 1,2015,and Novem ber
1, 2015, and the reason ''

the infonnation which you have provided to m e below and
represented to be accurate differs from the inform ation contained in the bank'sservicing
system ofrecordsforthese tw o periods.''
67. On Novem ber 12,2015,Brian Hagan advisedthePlaintiffthathehad notyetreceived the
financialinform ation requested by FA B .
68. On Novem ber 16, 2015, Plaintiff com municated with Brian Hagan regarding the
eom pletion ofthe financialinformation form and FAB'S requests for infonnation from
Plaintiff,and provided FAB with the docum entation requested by FAB , which included
tax retum sand W -2 forms.
69. OnN ovember17,2015 Plaintiffhad absolutelynoideaofhow muchhism onthly HELOC
paym entwassupposedto be.Plaintiffwired FAB an arbitrary am ountof$4,500.00 .
70. On November 18, 2015, Plaintiff, in his capacity as guarantor of 1st Fidelity Loan
Servicing,received anothercomm unication from M s. Cabrera of Bank U nited,in w hich
sheagain explains,çlperouzconversation,aspartofourloan conditionsfrom time to time
we review guarantor's credit and yours has been addressed. Please provide letler of
explanation and supportingdocumentationofdocum entation ofresolutiontocreditreport.''
71. Apparently,the proofofwired payments and severalcomm unications between Plaintiff
and FAB,wasnotsufficientevidence.
72. On November 18,2015,Brian Hagan advised the Plaintiffthatkûitlooks like FAB has
receivedeverythingitneedsfrom P laintifflandwillreview itpromptly.''Laterthesame

day,Plaintiffadvised Brian Hagan thatbecauseofthefalsecreditinformation providedby
12
FAB,BankUnitedhadsuspendedbusinesslinesofcreditsolely on thebasisofth
e negative
reporting on thepersonalcreditreport, which was,and continuesto be, erroneous.
On Novem ber 19,2015,Brian Hagan and Plaintiffmet, butFAB did notprovide Plaintiff
withanexplanationforortherequested detailsregardingtheloan, paym enthistoriesorthe
accountingfortheHELOC loan. Latethesam eday,Plaintiffagain wrotetoFAB to request
remediation ofthereporting errorsandaletterto rectifythedam aging inform ationsupplied
to creditagencieswhich wasdestroying Plaintiff screditrating, score,and worthinessin
the eyesofpotentiallenders. Furtherm ore,Plaintiffrem inded M r. Hagan that,t'during a
QW R, the bank is required to NOT make any negative reporting to the credit
repositories.''
74. On Novem ber 20,2015, Brian Hagan wrote to Plaintiff regarding possible settlem ent
strategiesand confinned thatFAB had nm acreditreportto ensurethatPlaintiffsaccount
w asnot show ing past due paym ents and that, as agreed,reporting included a1lpaym ents.
Laterthe same day,Plaintiff wrote to express hisgratitude to Brian Hagan form aking
corrections to the credit reports and requested docum entation regarding the paym ent
history ofthe loan sinceorigination and a1lexecuted loan documents.
OnNovember30,2015,Plaintiffreceived aletterfrom HenryBolz, ofKeller& Bolz,LLP,
notifyingPlaintifftheherepresentsFirstAmericanBnnk(ttFAB'').M r Bolz'letterstated:
.
tt-l-his letterresponds to that em ailwhich you sentto Brian Hagan at3:05 p.m . on
Friday,October30,2015.Thatemailcan arguably be viewed asan atlem ptby you to
dispute directly with FA B , in accordance w ith 15 U .S.
C.j 1681s-2(a)(8)ofthe
Consumer Credit Protection Part of the Fair Credit Reporting Act C1FCRA''),
inform ationthatFAB provided to creditreportingagenciesearlierthisyear.''
Gdln accordance with the FCRA , FAB hasconducted an investigation and reviewed that
information in which you provided with respect to the disputed late paym ent
infonnation you identified. After completing its investigation, FA B com m unicated
13
witha11ofthemajor/nationalcreditreportingagenciesandadvisedthem thata11ofyou
past due paym ent notices have been reversed, and that you had been making a11
paym entsasagreed.Thisletterisbeingtim ely senttoyou inaccordancewith 15U .S.C.
# 1681i''
ûtYourNovember18,2015(7:48p.m.EST)andNovember19, 2015(4:37p.m.EST)
emails to Brian Hagan indicate that in addition to kûimmediately remediating the
reporting errors''(done),FAB needstottsendany letlersneeded to rectifythehanns''
and identifies the Bank United-1stFidelity revolving line of credit as having been
affected.Doyou stillwant/need FAB towriteto BankUnited (ormightaletternow
beunnecessary)? Pleaseletmeknow.''
A copy of the letter to Plaintiff from M r. Bolz is attached hereto as Exhibit D to the
Com plaint.
76. This wasnow the fourth tim e a representative ofFAB orcounselrepresenting FAB had
acknow ledged the ongoing billing errors according to the FCRA , and theirrequirem entto
rectify FAB systemsofrecordtoproperly reportPlaintiffscreditfile.
M r. Bolz' letter also specifically instructed Plaintiff; that all future correspondence
regarding thesem attersaddressed should specifically bewith hisfinn, and notFAB:
CW ll further requests for inform ation for docum ents in any fashion relate to any
eom plaintsordisputesthatyou mighthavepursuanttotheFCRA should be addressed
totheundersigned atthe aboveaddressofthiscorrespondence.''
78. Thus,M r.Bolz hasnotonly adm itted thatFAB had m adeerrorsaccording to the FCRA
,
he is also aware ofthe Bank United-1stFidelity LOC being tenninated due to FAB'S
reporting errors.
79. According to thisletterand a comm unication confirmed by M r. H agan,Plaintiffwasnow
supposed to receivemy paym entbilling and paymentinform ation from M r. Bolz,who did
notidentify him selfasa debtcollectorin hisNovem ber30, 2015 letterto Plaintiff.
14
80. On January 7,2016and January 9, 2016,FAB reportedPlaintiffwas30dayslateinmaking
apaymenton the HELOC.A copyoftheem ailnotifyingDefendantaboutthe derogatory
creditreporting on January 7, 2016 and January 9 isattached hereto asExhibitF to the
Complaint.
81. Again,since Plaintiffhad absolutely no idea ofhow much hismonthly HELOC paym ent
was supposed to be,on January 14,2016, Plaintiff wired FAB an arbitrary amount of
$4,800.00 via wirepaym ent. M r.Hagan confinued receiptofthepayment .
82. On January 18,2016, Plaintiffwroteto Henry Bolz and carbon copied Brian Hagan Gary
,
Smith,and Jam esBerton ofFAB, to reiterate the ongoing erroneousservicing caused by
thelackofquality controlandopenlyquestionedwhyno oneatthebank would investigate

,
providean accounthistory,orreview theloan docum ents, and requested the correction of
the false reporting and a retraction of the erroneous inform ation, which was causing
financialdifficultiesasaresultoftheballoonmortgageontheSubjectProperty .
83. On January 25,2016, Plaintiffonceagain had absolutelyno ideaofhow m uch hism onthly
HELOC paym ent was supposed to be, and thus wired FAB an arbitrary am ount of
$4,500.00,
84. O n February 17,2016, Plaintiffonceagain wired FAB an arbitrary nmountof$4 500.00.
,
85. O n M arch 15,2016, Plaintiffonce again wired FAB an arbitrary am ountof$4 500.00.
,
86. On April6,2017,Plaintiffonce again wired FAB an arbitrary am otmtof$4,500.00.

87. On June 13,2016, Brian H agan requested that Plaintiff provide FA B w ith a com pleted
personaltinancialstatem ent.
15
88. On June 30, 2016,Plaintiff wrote to Brian Hagan regarding the sensitive financial
information requested by FAB, and provided attachmentsto severalofPlaintiffsfinancial
formsthatdocum ented the remitted debt.
On July 7,2016,Plaintiffreceived adelinquency letterfrom FAB forthe monthsofM ay

,
June,and July 2016,whichadvised Plaintiffthatthecurrentamountowed was$59,481.27,
ofwhich $50,154.44 wasdue forthe June 1, 2016 paym ent.

90. Plaintiffallegesthatnorationalexplanation, calculation,orinformation wasincludedwith
theonepagerequestforpaym ent
91. On A ugust 9,2016, Plaintiffcontacted Brian Hagan to provide the financialintbrmation
requested by FAB.
92. Plaintiff subsequently advised that FAB has caused delinquency and severely
comprom ised the ability of entities in which he is a guarantor to obtain personal and
businesscrediton multipleoccasionsdueto FAB'Snegligentservicing practices.
93. FA B had not,and to date hasnot, remediedthepastduestatusofthesubjectHELOC.
94. FAB reported to the Equifax creditagency that Plaintiff was 30 days late in making
paym entin M ay2016,60 dayslateinJuneandJuly of2016, and 120dayslateevery month
since.
95. Since April3,2017, theTransunioncreditagencyhasreportedthattheoutstandingbalance
hasbeen $1,495,457.00
96. The credit agencies, Equifax, and Experian, continue to report an unpaid balance of
$1,708,894.00 and falsely statethatthePlaintiffisusing 114% ofthe HELOC limit .
97. O n February 20,2017, an Experian reportrevealed data thatcontradicted the verbal and
written statements ofFAB and reported no data forthe months ofJanuary and February
16
2016,eventhoughFAB received $9,300.00on January 25,2016from thePlaintiff. A copy
oftheExperian creditreportisattached hereto asExhibitG to theCom plaint .
98. FAB hasadded feesforwhich no explanation orinfonnation hasbeen provided;and upon
infonnation and belief,FAB has added, and will continue to add fees and costs not
contem plated oragreed toby theHELOC thatwould m aketheloan usurious. A copy ofa
responsetoaQualifiedW rittenRequestmadebyPlaintiffwithafullpaymenthistoryuntil
M ay24,2017 isattached asExhibitH .
COUNT IrVIOLA TIO-N O F THE FAAR CRKDIT REPORTING A CT

- - -
99. Plaintiffre-allegesand incorporatesby referenceal1preceding paragraphs.
100. Section 623($ of the FCRA describes the duties of f'

umishers to provide accurate
information to Credit Reporting Agencies (û1CRAs'').Section 623(a)(1)(B) prohibits
furnishersfrom providinginfonnation relatingtoaconsumertoany CRA if(i)theperson
hasbeen notified by theconsum er, attheaddressspecifed by theperson forsuch notices,
thatspecificinfonnationisinaccurate;and(ii)theinfonnationis,infact, inaccurate.
101. In the instantcaseatbar, Plaintiffhasbeen misled by FAB , and received m isinfbnnation
asto thevalidity ofthe debtowed,which was, andis,thesubjectofthisaction.
102. Despiteprooff'
rom Plaintiffto thecontrary, in num erous instances,FA B hascontinued to
furnish information to aCRA relating to Plaintiffwhen (a)FAB wasnotified byPlaintiff

thatspeciticinformationwasinaccurateand(b)theinformationwasin fact, inaccurate.
103. Furthercom potm ding thisfraud are them isrepresentationsdetailed above in thepreceding
paragraphsofthisComplaintdemonstratingthatFAB failed in itsduty.
104. The actsandpracticesalleged aboveconstituteviolationsofSection 623(a)(1)(B)ofthe

FCRA,15U.S.C.j1681s-2(a)(1)(B).
17
105. Section 623(b)(1)ofthe FCRA furtherrequires furnishersof information to CRASto

conductan investigation when the furnisherreceivesa notice ofdispute from a CRA in
accordancewiththeprovisionsofSection611(a)(2)oftheFCRA, 15U.S.C.j 1681i(a)(2),

andto reporttheresultsoftheinvestigation to the CRA .
106. FAB failedtoreporttheresultsofitsinvestigationts)totheCRA .
107. Section 623(a)(3) ofthe FCIIA providesthatifthe completeness or acctzracy of the

information furnished by any person to any CRA is disputed to such person by any
consum er,the information mustbenoted asdisputed in the inform ation reported by such
person to any CItA .Thisparticularprovision doesnotrequireconsum erdisputesto be in
w riting.
108. Nonetheless,each and every docum ented effortby Plaintiffto validate the debtwas in
writing,furtherhighlighting theegregiousnessofthe behaviorofFAB.
109. Section621oftheFCRA,15U .S.C.j1681s,authorizestheCourttoawardmonetarycivil
penaltiesofnotmorethan$2,500perviolationforeachviolationofSections623(a)(3)and
623(19 oftheFCRA.
Each instance in which FAB hasviolated Sections623(a)(3)and 623*)ofthe FCRA
constitutes a separate violation of the FCRA for which Plaintiff seeks monetary civil
penaltiesunderSection 621oftheFCRA, 15U.S.C.j 1681s.
111. FAB hasengaged in knowingviolationsoftheFCRA asdescribed above, which constitute
a pattern orpractice ofviolation.
FAB isliableto Plaintiffin an nmountto beproven attrial.
CO UNT II-VIOLATION OF THE FAIR DEBT COLLECTION PM CTICES ACT
113. Plaintiffre-allegesand incorporatesby referencea1lpreceding paragraphs.
18
114. Section 814 ofthe FDCPA , 15U.S.C.j 1692e,holdsthataviolation oftheFDCPA shall
bedeem ed an unfairordeceptiveactorpractice.
In connection with the collection of a debt, FA B, directly, and indirectly, used false,
deceptive,or m isleading representations or m eans in violation of Section 807 of the
FDCPA,15U.S.C.j1692e,including,butnotlimitedtothefollowing:
116. FAB,directly,orindirectly, used falserepresentationsconcerning the character am otm t,
,
orlegalstatus ofPlaintiffsalleged debt, which wasinviolation ofSection 807(2)(A)of
theFDCPA,15U.S.C. j1692e(2)(A).
FAB,directly,or indirectly,failed to com municate to the CRASPlaintiffs alleged debt
andthatthedebtisdisputed,which wasinviolation ofSection 80748)oftheFDCPA, 15

U.S.C.j1692e(8).
118. The actsand practicesalleged above constitute violationsofSection 807 ofthe FDCPA
,
15U.S.C.j 1692e.
119. Each instance within tive (5) yearspreceding the filing ofthis Complaint, in which
DefendantFAB hasfailedto complywiththeFDCPA in oneorm oreofthewaysdescribed
above,constitutesa separateviolation forwhich Plaintiffseeksm onetary civilpenalties.
120. FAB isliableto Plaintiffin an nmountto beproven attrial.
CO UNT III-VIOLATIO N OF SECTION 5 OF THE FTC ACT
121. Plaintiffre-allegesand incom oratesby referencea1lpreceding paragraphs.
Section 5(a)ofthe FTC Act,15 U.S.C.j 45(a),prohibitsûtunfairordeceptive actsor

practices in or affecting comm erce.''Representations of m aterialfact thatare false or
misleading constitute deceptive actsorpracticesprohibited by theFTC Act.
19
123. A s alleged above, in numerousinstancesand through the means described abovd in the
,
course of collecting debts from Plaintiff, FA B, directly, and indirectly, has falsely
represented to Plaintiftl expressly or by implication,thatthe debtwas valid and that

Plaintiffhad an obligation to pay the debt.
124. In truthand infact,in numerousinstancesthematerialrepresentationssetforthabovewere
false or FAB did not have a reasonable basis for the representations at the time the
representationswerem adeto Plaintiff.
125. Therefore,the representations setforth above made to Plaintiffwere false orm isleading
andconstitutedeceptiveactsorpracticesin violation ofSection 5(a)oftheFTC Act, 15

U.S.C.j45(a).
126. FAB violated theFDCPA asdescribed above, with actualknowledge orknowledgefairly
implied onthebasisofobjectivecircumstances,assetforth in Section 5(m)(1)(A)ofthe

FTC Act,15U.S.C.j45(m)(1)(A).
127. Section 5(m)(l)(A)ofthe FTC Act,15 U.S.C.j 45(m)(1)(A),Section 814(a) ofthe
FDCPA,15 U.S.C.j 1692(e),and Section 4 ofthe FederalCivilPenalties lnflation

AdjustmentActof 1990,28 U.S.C.j 2461,asamended,authorize theCourtto award
monetary civilpenaltiesofnotm orethan $11,000 foreach violation ofthe FDCPA .
128. In thismatter,therehavebeenmorethan20 instancesofsaid violationts), totaling a civil

penalty owedto Plaintiffin thenm otmtof$220,000.00 .
Assuch,Plaintiffpraysforjudgmentin an amountto beproven attrial,butnolessthan

$220,000.00
C O U NT IV -BR EA C H O F C O N TR A CT
130. Plaintiffre-allegesand incom orates by reference a11preceding paragraphs.
20
131. The contractatissue isthe HELOC signed by Plaintiffwith the Bank of CoralGables,
which bank subsequently m erged with FAB .
The HELOC,the written contractupon which FAB relies forpayments from Plaintiff
,
statesin relevantpart,ûtto beeffective any changeornm endmenttothism ortgagem ustbe
in w riting and m ust be signed by w hoever w illbe bound or obligated by the change or
nmendm ent.''
133. Pursuantto theHELOC, the balanceupon which the finance charge isapplicable isto be
calculated as follows:''To getthe daily balance, we take the beginning balance ofyour
CreditLine Account,each day,add new advancesand subtractany payments orcredits
and any unpaidfinancecharges.''
134. TheHELOC definesa specific''paym entduedate''as''thedateon theperiodicstatem ent.''
135. Since2007,allstatem entsand cotlrseofdealingsrelatingto theHELOC designatedthe 1st
ofthe follow ing m onth as the paym entdue date.
136. Since2007,and in thecolzrse ofbusinessdealingsrelating to theHELOC, the 15th ofthe
prior m onth w as designated as the date cutoff for tinance charges due by the 1st of the
following month.
137. Since 2007,and in the cotlrse of business dealings relating to the H ELO C , an ''average
dailybalance''on them onthly statementswasintended forpurposesofillustration only.
138. FAB unilaterally changed theperiodicfinance charge cutoffdates.
139. FAB unilaterally added charges in calculating the daily balance in contravention ofthe
HELO C.
21
140. FAB em ployed inadequateand failed processesand system sto board Plaintiff'sloan,and
proeeeded to enoneously service the loan without remedying the deficiencies in the
onboardingprocess.
FAB'S faulty servicing included erroneous porting of the mailing address ofPlaintiff,
whichcaused Plaintiffto failtoreceivenoticesand m onthly statem entsforaperiod ofover
5 months,unilateralchangeto thepaym entduedates, unilateralchangeto the cut-offdate
forcalculation ofapplicable interestdue each paym entperiod, and erroneousapplication
ofpaym entsto interestand principal.
142. FAB'
S m ishandling of the servicing ofthe loan as described above was continuing and
spanned theperiod from December2014 through thefiling oftheinstantsuit.
143. Ifandwhen FAB properlytookovertheservicing oftheloan, FAB assumedtheobligations
ofthe HELOC.
144. Theenoneousporting and servicing caused FAB tom ake false statem entsofmaterialfact
consisting of wrong postings of interest and principalpaym ents and intlated monthly
billingsthatincluded improperlatechargesand fees.
145. FAB'
Sconductrepresented abreach oftheHELOC .
146. Along withthecontractualbreaches, FAB,throughitsactions,also breached itscontractual
covenantofgood faith and fairdealing.
147. The contractualcovenantofgood faith and fairdealing required eachparty to thecontract
to behonestin itsdealingsandtonotpurposefully takeactionsthatwould unfairly prevent
otherpartiesfrom enjoying theirrightsorbenefitsunderthecontractordisappointtheir

reasonableexpectations.Good faith and fairdealing in connection with thedischarging of
performance and other duties according to theirterm sm eanspreserving the spirit- not
22
m erely the letter--ofthebargain. Evadingthe spiritofthebargain and abusing thepower
to specify tenusconstitutesexnmplesofbad faith in theperformanceofcontracts.
148. FAB wasnotised in writing on numerousoccasions ofthe errorsby Plaintiff

and failed
,
tim eandtim eagain torectifytheflawed servieingprocessescausing the incorrectdata and
faulty reporting tocontinue.
149. FAB further breached the contractualcovenantofgood faith and fair dealing w hen its
representatives stated to Plaintiffthatthe errors had been corrected and issuesredified
when in factthey had not.
FAB,tk ough its representatives, continued to breach the contractualcovenant ofgood
faith and fairdealing by m aking m aterially false assertionsregarding the corrections and
rectifcation ofservicing errorswhileawarethatFAB'Sagentscould notascertain whether
ornotthey w ere true or,in the altem ative, whileFAB'Sagentsknew orshould haveknown
thatthe statementswerefalse and likelyto dnm age Plaintiff.
151. FAB knew thatthecontinuation ofsuch statementswould interferewith Plaintiffsabilit

y
to esàblish creditworthiness,anecessary componentforestablishingpaym entalternatives
and financing asaprincipalguarantorofotherbusinesses.
152. In failing to disclose allinformation asrequired by 1aw and requested by Plaintiff FA B

,
willfully renderedimperfectperform ance, abused thepowerofthecreditorin theHELOC
by tm ilaterally changing tenus, failed to cooperate and hindered Plaintiffsperfonnance

,
and thusmateriallybreached theHELOC beforePlaintiff'sperform ancebecame due.
FAB furtherbreached the HELOC and the contractualcovenant ofgood faith and fair
dealing contained therein by instituting flaw ed boarding procedures, failing to provide
written noticesto Plaintiffasrequired, unilaterally changing thetennsoftheloan, failing
23
torem edyfaultypaymentcalculationsandapplicationsofpaym entsreceived startingfrom

,
January 2015 through July 2016 thatPlaintiff was late each m onth despite receiving
paym entsasdirected,failingtoprovideinform ationtothePlaintiff, asrequestedrepeatedly
to rem edy any issue,and,ultim ately, failing to cooperate and interfering with Plaintiff's
continued perfonnanceundertheHELOC .
154. Plaintiffhasbeen seriously and significantly hanned fordnmagesby Defendant'sbreach
oftheHELOC in an amountto beproven attrial, butno lessthan $220,000.00.
PR AY ER FO R R ELIEF
W H EREFORE,Plaintiff,respectfullyrequeststhattheCourt:
AwardsuchreliefastheCourtfindsnecessarytoredressinjurytoPlaintiffresultingfrom
Defendant's violations ofthe FTC Act, the FDCPA,and the FCRA,including butnot
lim ited to,rescission orreform ation ofcontracts, restitution,therefund ofm oniespaid and
,
thedisgorgem entofill-gotten gains;
2. Award Plaintiffm onetary civilpenaltiesforeach violation oftheFCRA asalleged in this
Com plaint;
3. AwardPlaintiffmonetarycivilpenalties?oreachviolationoftheFDCPA occuningwithin
the fiveyearspreceding thefiling ofthisComplaint;
4. Award Plaintiff m onetary civil penalties in an amount no less than $220,000.00 for
violation oftheFTC;
5. Award Plaintiffm onetary dnm agesforDefendant'sbreach oftheHELOC;and
6. Award Plaintiffthecostsofbringing thisaction, as w ellas such otherand additionalrelief
astheCourtmaydeterminetobejustandproper.
24
Respectfully Subm itted,

D ate: June 13,2017
Boca Raton,FL
LA UR EN CE S.SCH N EID ER , Pro Se

360 E.CO CON U T PA LM D RIVE
BO CA M TON ,FL 33432
larry@sacapitalpartners.com
25
Case 9:17-cv-80728-DMM Document 1-1 Entered on FLSD Docket 06/13/2017 Page 1 of 1
s 44 (Rev.06/17)FLSDRevi
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Bdvawcei,lnd lo do a!totherAhlng:ntcessary4o qarryoutthetelfrw of1lx,
- Agreemenl.
thlsAgteemenl. and ylleotlur:wlllfema'n regponsiblev $ F'.jcaflfeleaveany-gorrowermfremfuponslblttyun.
d.r
Te fm.
('eMa T
tufl'
hqDato
yv rm
te').ofAl
YcurCfedl tUnewitl6pg1n asofthq dateofthW Agreemektf' dopénlnq Date'')and-willcontlnueuntllJuly23, 2Q1B
payableuponmaturit y.fTh
Indabtedneaaunderilpls Agreement Ifn@t:lre
edrew peflodofyotlfCreditLl
newllbegl
'ady p.ld purKuantto 1t,4 payfrwntprovlKlpngbel
nonadate
ow,w1lbede:and
ln tbe State ofFlorlda,follewing the :zgiratlonoflhe rlghtto cancel :aftefthe OpenlngDate,whenîheAgreement1$acc:ptvd bytla
.t lle gerfadlon of1he Mortgage.the reeel
plo!aIIfequl
red certlfieates of
n
do
un
rloa
ngnt
chets
ll
ap
te
l
orl
no
,dand 1N
Cbr aewm.
Peefl
to
l
nd; o
'f:11ofourothercondltlona'and wl
'') l1'
oontlnuemffolows: lprm ofllhe loan. Yeumay*î:If
. You aqreethqtwem:yrqnef ore 'xtendtbepéfloddullngwhl chyoum:#obtalncredlta1 cro
dvand
ol
otadvorama
nce
k:e
payrrlentl.You*
furtheragreethatwernavrenew orextendyourCredltJ-i
ngAccount. -
M lnlmum Paym ent. Your ''I
:
leQqler Payment''willequalthe arl m uqt'efw ef accfued f :INANCE CIIARGES
paymentz. You wlllthpnberequi . Ye? wl
rldtopay tlA.enîlrabalarloeowingln aslnglp ballpon payment. lfyou m akgonl tlm:kt 119 oflhvs:
y fhemlrllmtllnpaymtmtvpyou
ma
wl kybneot
1hre
spaygu
Re a:yro
la Pfayment
theprlncipalbalancebylheend ofthls payment?yream. Yourpayqmntswîllbe due menthly. YourRMlnlrnufrrPgymefr
,plus &ny amountdu: afld eIlothefehargps! Anlncreaseir?
-:n
theoA#NDAL P@
EROENTABE RATEma#lqcrvegetha
amou nt o fyou
bllllngatatem entrRe gul
a rPaymo nt. You agr
a: t
o pav not lerç t
h ao t
h eM
' i
nlmum Pavment! rbpf
ore4h duedeteIndi
c4tedon yovrperiodle
.
!
Ball oon Pagmenl. YourCredltLineAccountiapayable.l nfuluponmalurltylnallnglebjlloonpgymen'. Yotfmu&tpayîhevntlreoultandlng
prlr
bal lml
p4l,lntefestand any otherohargesthea due. lnles:plherwî
se requlred by ppplcabl
elaw, we are underno obligeylento refln.nce:I1e
Iendyou.tllemooey. lfy@u refinanoell1eballoom you may havelopaysome oraIlgfthe çlosTwn
olnp ayme ntattha
t fl
mp . You may berequle
ed t
o ma kegayrnenl
s ouyof ot
hera ue t
s W uo or:ndal ender,wfle. lpmaybeus wllllngto
ng co,tlnorm*lt:alyotllatedw1th a r.lvw
llna account , eveftlfyou qbGinrqfi
nanci
ng.
from us. ' cfedlt
How YourPaymenh Are Appllgd, Unless othorwi
Payments wl llbeapplied Intlw followlngorder:lnteresset.aPgrqed orrequlred by apglcabl
rlnol
pal
e'law , psyment: andothercvdi tswII1beappl tedtt
l
, Lat
eFees& Cpllectlon(y:tv. '
Rec elpî of
inztrvmentI Pavment s. Atl-payment : mustbe mede by a ch/ck,autqrnatlc accovntdeblt, electrenl? fundslransfer.rnoneyordcr.orotlyer
etlhAteddre ns:U,S.doll arllondmustberecolvod by us attlleremlttanoq'addressshown or -lyourIwrlodlo billng etatomqnt. Peym,ntereoplved
recelvo payment periort
pt oll2:
ot ûlû
ef oep.î
p.Eastem StanöaröTlmeon anYbusi nessday willbe creditedtoYourCredlttlnaBsQf' thedet:raceloed. 11we
deys aftorreçeipt. etl
*ons,suchpayrnenîlwlllbe credlted promptl y toyourCrodltLlnw butôfedltlng may be!delledf;ruqtof i
Qe(5)
Credlttlrnlt. ThlsAgr@vmenlcevers 1 )fevolvlng ll
nqofcfedltfor1heprlnolpolam/tlntofO: i :eMl.lkonFlvœ Hundrcd n o !asend&
(;1'590.000v0O). whlch wlllbe w ur *credR ttmlt:sundertàt s Agfeemant. Durllgîllejpraw Perlad we w1l Qû/I(m Dolerz
.
Bde ocesvobleu loSheseellonbeî ow onkend 1holmi. ptlrrequestfercredi t

er'stAlghts.Youm;ybotrow agal
andfe-borrow up to $h:emguntofîl1@CredltUml nstth*Wqilttln4,repsyanyportionpf$heRmovntborfowed.
.Amef e redlt
-tlmlt1
: th: rnaxlmu m empuntw u m@y hav: outatn
n dl
n :qt anyo ne t
lme
4greenottoattempt, fequest.orobteln acredltadvanca thatwll1make:yourCredltt' meAceountbllance excaod ytmrCreil tLlml Yoe
t, Yotlr.Cr
Limitwllnotbelncroevld edl
apouldyouovordraw yourcfedltLlneAûcouhl.IfyouexcaedypurCredltt. 1m14,Youureator4p:yImrnedl.t.lyth.
amo tl
nt W wh lœ
'credltLlmftwlllhyou rCfe
dll L
lneAc cpuntexce ed s yourCr edltLl
mR, eyenif wf have nottf
l bll
ed you. Any credllidv4nce,Ipexces:ofmur
no1besecuredbytheMortgagecoverl ng yotlrpdnclp:ljweltlnn.
Charge, toYpurCredltLlne. WemaycàafgeyourCredltLl qetopayothorfaesandcostr:that?ouareobllgitqdtopayunderlhlsAgrcemeny
ît
he Mof tqage or any otherdookl
meal relat ed to yourCr pdl
t Llne. ln pddilloo.wq mBycha'
rqeyourCrodltLlneforf undsrtqul red foroonslnulng,
onur
suopt
renc ecoverageasdescribedln!heparagreph îllad ''lnstfrance'.betow orasdastrlbed (nthnMertggge fortl
log '
istreRsaetior'. lemayabofat
costsofox,pe chnvsrge
e,llo
ncurCr:dltUnetopayanycostsofexpen&estoprqtectorperfectebrIecudtylnterestinyourpdncl paldwpllng ese
yourpr/perty t ng. Ifyoudo.rz/Th
lude.wlthoutIimltetlon,pavment:to otlfedpfatlltsunderan@ exlstlng len,on yourprlnolpaldwelll tpay
axes,wemavchafgeyourCredl tLlneandlaythedelnquentlsxes.Anyarrl ountsochargedtoYcurCreëltLl n:wlllbeacvredl t
advance Jnd willdecrpage lhe funds avallable. l faoy, u nder ti
le Credl
t Ll
ne. Howevecfre bave no obl
i
g atl
o nto gr
o vide My ofthe c r
ed it
:dvancelreferred toInthlspdregrapb. . !
crmditAdvances. AftortheEffectlve Disbursem entDate ofthlsAqreem ent:yotlmaycbtalàicrodltadvanresundaryourCradittlne amfolpowv:
W vdlttlneClw ckl. W fltt ng apreprinted ''Home EqultytlneofCredltCheok'iîhztw owl 1.t
lsuppl
y toYou.
Iq quests By M all. nequcsîlng an advance by m gll.
r. .
S
r anneiequlvu (nPersoo.Roqupatlnn oorodltodvenûol
n pefsonatany ofourauthorl
zcdlooatlonp.
.
.at . .
Requeet. Adv:ooeroque,taoanalsobe sentvlgfax.
Exhlbit''A''
'
qr %
..-............. e* * .
' w' l +*
. CREDIT A GREEM ENT
' Loanx o: lcontinued) Page 2'
. .
* '
j
I
BfThere l
s more l
han one per
son authorl
zed t
o use t
h i
s Cr
e di
t Ll ;
ne Accotm t,?ou agfev natto glve us confllctlng lhstructlens,suçh as one
ocowertollingtl
sn4tfogi
veadvanceslolheoîher. j IE
Lfmitatlonson1h@UseofCheçks. Wareaofve1herightnottohonorHlmeEqultykln:of'
CiedltCheokslnlhofoll
owl!elrcumstancos:
ng
'
CredltLlrnltVlolatl
oa.YourCredltLlml
thesbeenorwoul d booxooedod b?paylng th'
pl-lome Egui
t?Ll
neofCredltChech.
pomt-dpted cheekx. YourHome EqultyLlneofCredltChevkIgpost-dat:dv lf4post-hatedHomgEquityLlneofCredltChecklgpatdandas
aresultaoyotharcbeckIsreturnedornotpald,Wo>fenolrospon.lble, :
stolenclleoks.Yourl
-fomoEqultyLln.ofcreditcl
llt!tshaveboonreportpdlostorsjolen,
tlnautllorlzedslgnaytlres.YeurHome EqtlltyLineofCredltChnck 1
4notzlgned by'n''Aulll4rlzqdSignef*esdeflnôdbdliw.
TermlnatlonorSklxporwlon. YourCr:dltLl
neha,boentof
mln,tedprsuspendedaajrevldedintl4aAgreemento'
fçœuldbelfwepaldll
w
HomeEqulty t-
lneofCreditCheck. .
Trnns:otl
onVlolaflen. YourHome Equl
ty tlneofCredltCheck I
,
m)urn.amountlequired by thl&:Agreementcryou are I
s-lasslhenthe mlnl
vlolatl n
onofanvothertransactionrequlrementorwoul d balfwepald theHnmeEqtzît:tlneofCredi tCheck: ,
: ,i
tfwq pay any Homt Equlty UneefCredltCheck undertheseconditf ons,you mustrepay'usesubleotto appllcable îaws,for1hQamoun!ofthp
Home
A Equlty Llpe ofCrpdl t Chock. Tl
3e Flome Equlty Ll
oe ofCrodltCheck Iîself wl
ll.
kb, ovldence ofyour debf to tzs t:gelhlr wlth thla
qreement.Ourllabl llty,Ifanl,forwrongftldlshonororacheck1,Ilmltedtoyourqclualbpmiges.Dlsl wnorforanyrezsorl::provl dedI n1h14
Agreementls notwrtmgfuldlshonor. W e mav choes: notto return Hnme Equity Une'ofcrtdltCttecks alenq wltk yeqeplrlodio bllll œ
stano
do teme nt
t''
l x;f
xnlhy'
owp vpr,E
Home yqu
otlr u:
ltyL*
lnofoachHomeN ultyUneofCreditChcckwll1borefleotedonyourperlœdi?ssatomty ntasacfedll4dvanoe. We
eofCredltChecksdrawnon yourCredltLlne,
Teanœactlonnequlremeat.v'The fotlowlnc tçansaclloo Ilml utlon:wllloppty totheuseofyourCvedltLlrlm
n
lieqpe st
m ltati By Ma ll.ln Pef xon Beqtz
estz Fax Reques: aqd Gfedl
l'une l
lom eEqultyLlno ofG edllCheckLlmlîallorle. '
1-
h:fdl
owlngtransattlon
ons wsllappt ?1:youfCreditLlne andrequesting an advancebymail , feqt
lôstinpan advanc:I
n person.aecesslRgdyotherI nethod:
andthew rltlngofBcmeEqui tyLina ofCredltCheeks - f
Mlnl
m um Advapce Amouct. The mtnlmum amountof@ny çtqdlt:dvanc: thatcan be mad: on yourCrodltLl
ne1$1300.00. Th1
meqnsenyHomoEqultyLlneofCredltchockrrl
ustbewritten!ofetIeastthemlnlmum advai
wezfpountv
Au tlwrlzed slgners
perlenwho (a)si
.'I'
hewords*'Aulhorlzedslgnor*onHgmeEqtlltyLlneofCredltGheci:a;usedlr1lblsAgfeqmani
gn, theappllcztion forthî;Credlttlne, (b)slgnsthlsAgrecment
'mean:ndlncludlot
lch
fortheCreditLlneAocouoî. ,or (c)rha
);exectltedaseparatesi
gpattlreautherl
zatl
oncarl
tostHome Equlty Llne of Ce
redl I
tChecks. If you lose yourMome Eqblty Llne ofCrodl k!
y 7hecksofIfsomeone I l
s osklg tlem wlthoutyotlr
permlssion.youagrcetolatu:know îmmediately, Tlw falt
BankofCpralGablu 96MertickWay,sulte 1Q6.CoralGabl
estwayto.
es
notlfyus9 byoallln'
j usat(305)500-9501.YoQels:c:nnotlfytlsnt
. FQ 33134. '
Future CrpditUneServlees. Yourppplicatlonforlhls Credi
tLlne elsoservesasa requestlorecei ve eny new servlces (suchasaccessKevlces)
whi clymav be svalable atsome future tlme as one ofourxervioe:lnt ofmactl
voltlnt,ry,ndlhatyetlmayrefusoany ofthese n@w servlcosatthetlfno. c
theyereoof
nfwith thfs CredltLlne. You undeotand thattbl
,red
s requestIs
.lYoufurthertlndorltandlhettlu term,@ndconditloiu
ofthisAqreembnîwillgovernenylransactlopsm adapursurntto &nyoltheso new servlces .
Cosl
ateral. You ackn/wledge lnis Agreomenti
s sqctlrnd by the Iollowin: oolateraldqsoribed ln îhe securl? lnstrumenlI
lsted hcrel
n:an
Open-a d MortgagedntedJtzl
? 28,:005.to us on tealpfoperty f
ocatedlnPatm Beach Cotmty,SxateofFl orlda.
I
rwur
ln:tlanee. You
rano. throu mustobta
'n i
n suranc
e on t
hePr ope/w se cur
lng tllpsAgreamentthatlsreqspneblysptl&factofy to ug. Ynumayobtalnproperty
undorlhisAgreg
eme
hant
yî
ch
of
npenyolyourcholoethatI
sreasonyblyyRtl
ytactory:1tl
s.Youhavetheoptlenofprovldlnp.nylplvr,nooroqulrod
b rougllanexisllng pplio?or:pQlic?independehtlyobtalnedandF '#ld forbyyzQ.aublectto àurflght,ferreaaonebte
cause eforetredltlsextended,todecllneany lnsuranco provlded byyou. Sublecttoapplloabl
eIaw,ifyotlfalltoobtllnofmalnlalnIqsurance
a
resrne
relqt
llll
esrea
dvln the Mortgaqe,w: may purchasp I nsvr.nce to protgct ourown Interostpad.d the promlum to youfbalancl.pursuo any other
illabl
' ltou$,rrdo anyononrmor:ofylteselhlngs. t.
Rlglltofsetoff. To tNeqxtentpermltted by appllcabl e Iaw,wqreserve arl
.
ghtofsetoffIn aI I
lyoureccctlnts w1thus (Whbthefchecklng,savings,
orsomaothqra
ccount).lfwludlng witboutIimitatlon.,Ilaccountsyoklm4y openIn tl'
kqfuture'
aha
c ccroguentpr Jrany tfusteccounts forwhlcb sptolfwogtd be pfoblbltqd bylaw . Yo; authorlz.eHo
o
wever,Shl:doesno$I ncludoanyI RA orKqogll
us,to the exten!permlttod byappllcabla Iew,te
setoffallsums owing on thls Agreemeotagalnstany apd nllsuch acwourlls .-and,atouropt
ion,to admlnis'lraliveW
lTfreeze eilstlch'
eccountstoalow uk4oprotectourchargeandsetoffrlghtsprovldodfntillsparagfaph,
Por
statlodlçnSt
atemenîs. lfyou have a bal
anic owlng on yotlrCredltLlne Aoc/tlntorhave any aecour: actlvlty,w ewl llsendyou a pefi odlo
epreeme
vlotl
s
t. ltwillshcw,among otherthlnps. credll eKvences, FINANGE CFIABGES.olher charges, payment
Bal
ence.'
la n
d w ur '
.
New Balancev
'
. Your statement al
so wl
l I
dontlfy !
ho Ml
l
hlmurn Payment yotl mt l
ss
t makdee,
me f
oo
fll
eaftcbrî:
l
h d
ll
nit
s,ycur
g
and 1hedato ltl s due, ' ' ' peflod
*
W henFtNANCEGHARGEV Begla lo Accftze,
d P4flodlcFINANPECIIARGE:forcrndltedvandeitlnderyourCrpdltLfnewlllbvgl
ntpaccrtloonthe
Cate
re c
tf
dlte
d
lni
tc
ezr
devdi
at
ncaesa
dvanre
cep
sp
.sl
edtoyourCredl
tLlne,I'hnfeIsno'ffaefldeperlod''whldhWobldallnw yqutoavol
;l daFI/IANCECHARGEoflyour
Methodtlgodto Determî
netlleBal.neeonWhlchfheFINANCECHARGiWII
1BeCompulej
'.
1A delyFIQANCECBABGiwlt
lbaI
rrlpxedonalI
cal
drelditadvantla madeunderyoufCredltLiflef mposodfrom thodateofleçhcredltadvanci!bzsedontl )e''
d:llybelnniv'
lmethvd. Tb getthe
yJalance,w;lakethebegl nnl ngbalano:nfyoklrCredltLln;Acctlunt.oxchday,addan:rtew advagcesandsubtractpnypaymen tsorcredlts
and aovunpald FINANCE CHARGEG. Thlsgtves usthe ''dally balwnce.''
M ethodofDcterm lclngtheAmountofFINANCE CHARGE. An?FI
d NANCECHARGElsdeterMlnedby appl#lngfhqOpergodlcRate''to1hebalance
es
cr crlb.d hereln. Tbon w@ add togctherthe peri
lcul odlo FINANCE CHARGES forpaclAd:y in 1hebl lli
ng oycle. Tbis CsyourFINANCE CHARGE'
atgdby npglylng aPerlodic Rate. '
YouBlso apreetopayFINANCE CHARGES: notcelculated byapplylng,Perlodlogate,asset l forth belcw:
AddltlonalFlnanceGharges. Tllefol lowlng eddl
tionplFINANCECHAI IIGES willbecharg*
.
'
edtoyotlrGredl lLlneorpaldInensh:
I underwritingtouankofcorplGables: .
1 scane -rocessins Fee xo Baok of coral i 'j
:
.
lncastt #acc-cn
j 6-:t
.
e -
Gables: j
;
:
j
j
j
-ncash #476.00 j
;
:
i
. i .-
, .
CHEDIT A GREEM ENT '
' Loan'
No: (continued) P
age3
Taxservlcetp FlrstAmerlcank Incawb i170.00
Perlodlc aale and Correspondlna ANNUAL FERCENTAGE RATE,
PERCENTAGERATEesfollowa. W*startwîstlan indppofW onlîndpxw' We
hlqhwlllîhe
11 detWa
arml
llna;
slretheJP
vl er
ou rl
iadllo
n I
uten:aln
F'rl
me edllh
th
foel
c
nt
,r
drx
eesvpnndipq ANNUAL
mostreeentlndexvaltleavail
abletousasoflbed . W*w1 llQlqîh@
ratecherged by tfsoqourIoans. lfthelndex becoame
teof:na#va
sun ANNO
- eAL
llabl g
dur ERCE
ing lheNTAGE RATE
term of adf
thlsfr eu
ds
*tmg
lt Llr/
li
:t. Th
Ac eul
co nldq:IsnbtnetesserllytheIoweM
n
l
ndex eft f w :maydev
lpnate avubstl
lut.
neafegl0o.r12notlco to you. To determlna 1he Perlodlc nate ttwtwl1leppl
6%,thondlvl detheroundedviluebythenumberofdaysl
y tp yourecoount:we laie tlle vplu. ofyh@ I
ndez,mund thatto the
.nay eANNUAL
arldallyl.PETROENTAGE
èpbtaintheBAA
ANNUAL PERCEM T
th: Per
lodto Raye by tl
w numberof day
lncludlsonly Intefestpnd no pthorooyts.s I
n a year l
d ai
byl. Thls rasul
t î
: !he Y. IheANN
tlAAGE RIATE
t PEA wemu
ZNTAGE Rl
tl
pl
AT :y
1! !
d oPcflodl
Tq cRlteondthccorrevpondl
ngANNUALPERCVNTAGEBAT:onyourCredltLI p'J.wlt1lncremseordecraasebsthelfs
öexlncreAsesor
eroasesfrom tl
metotl
me.Adlult mentstoîhePerlodle8atepnd4hJcertqspondlngANQUALPEHGENYAGEIIA' I-
EY:ul
tl
nzfrom çhimgeskl
t
hexl
ma lndexwi
mum l
.ta
rgl alkewe
le eff
dec
bt
ydaelyl:
pp cal
l n no
bl: eventwlllthe torrespondl
tnw ng ANNOALPERCENTAGE M TE be rnere thanlhe lesserQf18.000% oftlx
. Todayt he Iqdex Is8.260% '
poraAntlm.and thbrofor:tbeInltl
alPorlodl
o Raleandt
he corrqlpondl
ng
ANNUAL PERCENTAGEM TE onyourCfedlsLlneereasstgted bgtew:
CurrentBa4esforlleFlrslFaymenyStrfam 1
BangeofBalançe MarglnAdded ANNUALPERCENTZOE Da7yPerbdlc
orCondltlons to lndex ' RATE 1 Rate
AIIBalanlew 0.000% I 8.250% $ ö.
cz26nw
: .
Notwllh:tegdlng any otherprovlslon of thl: Asreemqnt.we wylno:ihar sburledlean protbeds/e.xcepsasmeybe
sslon perl/d. Nomatterwhatclejnayse
pe tmltted duflng @ny RlghtofRescl
lntlres:o4 àrlyundl
docu ie stat
e d I
n qny
' othe
r provlllonof114:AjreemeM orI nA>yother
A menyyoumay havew1th u:.you 4o notagreeorIn4andto pay, and wedo notegree'orinyendtoollarge any lnter*M orfeo fo:sleCledl t
yvementwhlch would ln:ny way cause us toconîrlctfôffcbafgeorcdl eolmoref:rtheCredi sLlneAtmoun:îhAn'themulmum we woul d
bepermltledlo çll&rg:oftollectby anyapplieable federalorFtorid:stMeIaw. Anystlchéxpesslnteres' tortrnatlthollzedfeew1lbeapplledflat
to redtloetheunpald prlnorpalbalanoeNftheCredltLlneAtcount.and wllenlhepzlnvlpall,aébeenpaldl n full
.be rpfundedloptI.
ConditionstloderW hlcllOtherChirgesMqy BeImposed. You agre:to pay:1Itheoth.rfee,and chefgearelated toyoerCredltLlnpllasetfortb
b
e'low t
AnpualFee.A nonrefundableAnnuplFecof450.00 w1llbqchnrgedîoyoerctedl tLlneatthaf:llowtng tfme; Annu:l ly.
Re
forîu
ar
nnyed
rel
ptcrns.Youmoybochafgod13*.00IfyoupayyoprCreif
:on tUneoblgitl ons:wltll;check, drafl,ololhefritem îht1:dlvhslntlrqd
unfes:epplleable1:wrequlresalowerchargeorpfoglbltsanychnrge.:
.
Feo to stog eayment. YourCredltLl
neAccounlmaybo cherged $40.QQ whenyou reqqest@slpppeyment@n Youiictietmt,
4
LâteCharge. Yourpaymanlwillbclatelfitisnotrecel
vedbyus'wlthln 15 days'qflerth:'paymentDu:Dase',hqwnQnYctlfherlidlc
wtatement. Ifyovrpaym enlls Iatewe mayqhgrgeyou 6.(20% ofïhepaymentor$5.00,whlolleverlsgreater, !
oeAcceun:ma?becbarcodSe-sopI
crotstune cbeok prloy7,s csarg.. vourcrealtLl lul pplnc& Hana'ng. t
psul 1
secofiw lruerestcharnes.youaqreetopayalsecuritylnterestcslrgesralatedtoyourkredîtunoacsetform bolqw:
l
k ) ii
.
FloodCertlfloatlonlo Fl
fstAmerican 118.OQ ! q'
'
Appral,alFee 4861.00
neoordingFoos 153.10
OocumentPfepprqti
on 4225.00 i
TltleExaml
nati
onto Howlrd W .Mazlof#tlœ .oo '
Totst' $1486..1û '
1
Speelalnxex.YouagreetopayaIIîaxcsrol
atedtoyourCredltLl
nJ
i
assetforthbel
ow:
.
lnyanglbleTax $3000.00
Doe Stampv i5260.p0
Total $8250.00
ten#pr'sKshtl.UnderlhlsAqreement,wqhavelil:folewindrights: l
Terml aqlloo and Acclliratlpn. W ec;n lermlnnte yourCfadlttlncAccount;ndJeqtllrviyou to payus1heentlreoo$ lstandlnkbalqncaIncne
qayment,andchergeycucertaln (acs.I f:nyofthefollowl nghappen:(1)Youcomml!fraudormakeamaterlalmlsfepaxnlatl o:at:rv
tlmeI rtcofmeetloq wllh thlsCredltAgreomonî. Tbl s caril
nclude,forexemplg,afalse s:atementabnutyotl Tlnttmgpasslls,llgbjltl tis.or
:
lnney olheraspects ofyourflnanclelcondition. (2) You do potmeetthe tepeymonttermsofîhl s Cr@dltAgreompnç. (3) Yotlractlot lor
l ctlenadversel y affect:thecollateralfortheplenornufflghlôInthecollaterell Thl
scen lnclttde,forexempleffalltlfe1pmalntalnfequlred
nstlrance,wasteordestructlve tlsn of-thedwellfng.fsîluretop:y taxes, deathofalpersonsIlable on theacceunt.trarysf elpftltleorsal e
ef&be'
f dwelllv,oreatlon ofa sealorIlen on yho dwoll in: wl
thouloprpermllslon l foreotozuro by lhe holderofanm herl
l;n.orthe useof
undsorthe dwelllngferprohlblted putposes. : J
Euspenslon orneductlon. I n addirl
on îo anyolhtrrlght:wemnyihave,wecôn suipendaddltonalextenslçnstifcr:dl torfedtl çqynur
credltLtmitdurirtçanyperl od(owhtchanyoftho(ott owlnqare*m efiect: 1! :
(1jTbevalueofyourpfop4flydeellnassl gnllicanîlybelow theproperty'sappralsedl
yplueforptlmo&esQftlli:CrjdlttlneAocouqt.' l-bls
lnçtudas,forexpmple,adecllnesuçh ' thatll'
telnltlaldlfforoncobotweon thecrodltLlmltp
iand lhe avall
ableequlty lsraducedby flftypircect
andrrla?lncludea smallerdecllnadegendlng ontheIndlvldualclrctl m stances. ji ,
'
l21 W e reasonably bollevelhatyou wl llbe uoablelo fulflllyot;fpaymentoblgntleqs-underyoklrCfedltLl neAqc/tl ntdtl
e te amateflal
kchangelnyourfinanclalclrcumstances. (
' )j' .
(3 You ere ln defatlstundefany'mitefla!obl igatlons offhi
s CfddltLln; Aceount, jW e conslder4lIofyourobligatlqn,to be matvllel.
Ac ne 'legorlus ofmatorielobllgatlons lnclude tllc cvmnt, descrlbed abbvo urdnrTormlnntlan and Accplerqtlon,oblinatlonslo pny fees and
B! rg'
c -obîljletlons and I
imitations on the rocelptofcreditadvances,obllgationsçoncefnlng malntenance oftlse ofthe pfoperty()r
nete - eds.obllgations topayaod pefform thoterms ofanvoîherdeod oftrust, mortqage orIoaseofthe propeft y,obllgatkns tI
Intdlfytl
s
;
-'
.,' JREDIT AG
, REEM ENT .
LoârlNo: (Continued) Page4
,ndlo provl de doeumentsorI nformntion tous(such nsupdated fi -

pancletl
nformatleql,iobtl
gatlensto complywilht.pplkabl
eIaws (sucb @:
zonlng rostflttlonsl,and oblgitlons ofenycomakcr. No dofaultw1 lloccuftlrttllwap allordellvnr4 notl
ceofd4taulttpyeu,so vou can
restoreyourrlgbtto credltedvances. : :
(4) We arepracltl ded W governmen!actlbn from lmposlngtheANNUAtPEBCENTXGF 4. RATEprovlded forunderithk Aoraement.
f5) The prlorit?ofnklrsecurltyInlerestls adversely afl@ctcdbygavqrnmontactlontp the extentthatthe valuepfthes4curltyInterestIs
lessthanonehundred twgntypercent(120%)oftl 3eCr4dltUmlt.
(s) Wehave beeq notlfl mdbygovernmentalauthoflty thatcoqtlnued advpncosmayco'nstl tuteanunqlfeand unsoundbeslnes!praetlce.
change lnTermlv We m:y make cbanges to llleterms ofthi,GAgr4ementlfyoeegreeD thechange ln wrltlnc etthattlme, iftlleohanq.
willunequl vocatly benefltyou throughoutlh. remal ndefofycurCredltLine Acçoupt,orifthe çllange l sl nslgnl
flcant(suoh al çhangx
relatl
ng to :urdaîaprooessl ng systqms). lfth@ IndexIsrlot/rlgeravalable,wo wilchooye :new Index andmergln, Ttl enew Indax WlII
have an hlgtorlcalmovementsubstantlally slmllar to thb.oflglnplIndex.and !he new lndex and margln Wlllrestllt10 an ANNUAL
PERCENTAQE BATE thatls stlbstantiaîl v similarto 16: tate l
n effeptattbetlmelhe o
;rlglnallodax becorrle: unav:ll4bl
e. W@ may prohlbk
additlonalexlension:ofcr@dltorreducn YourCfedltLlmitduring àny pefied 1l )whl
c.hthe maxlmum ANNUAL PERGENT AGE M 1X under
YourCredlttlneAccount1sreachod. !
Collettlon Costs. Wema?blre orptly4omeone elseto helpcollectlhlsAgreementlfiyotldo notpay. Youwlllpai ytlstheamotlntofthese
coslsand expenses,whl chlfwludespsublactto anyllmltstlnder'applloableSaw,oJrIreasonable ittorneyx'ftt,d4!1dottlegalexperwes
wlletherorno:lllerelsalawgult:lncludlngreasonableatlorniys'(eol>ndI egalexpjniesforbankreptcyprocevql ng,llfwl
tldlfI
Qeffecalo
medlfyorvae:te dnyautomallcstayorlnlunttl
addltlonto :lIothervorne provlded by Iaw.
op).@nd eppeals.(fnotprol%bl
$
tedby l'prdlrebl
:.
'
elaw,you dlowll '
lpaya n# eo urtcosta.In
Rate Increale. ln addlllon to ourothgrrlght: durlng termlnation acd aceetefatlon,we m:y lncfepse the varlabl* ANNLIALPERCENTAQE
BATEunderthls Agaemenlto 1B.0oo pproentperannum.TheANNUALPERCENTAGEFAA'Ew111notoxcpld $13.maxlmum rat.p@rmltted
by Rppllcablelaw, ltwe do notlnoreisethcANNUAL PERQENTAGEBATE upenlerrril nallt
m oracceleratlon ofyotlrCrtdtlUneAcneunt,lt
wllfconllnuaatthevarlablerateIneffec,a, vorthedat;oftarmlnatlonoraacetvratlon ofyourCredltLlneAceounl .
Açcess Devlcas. lfyourCredltLin: 1s yuspended orlcrmlnal*d,yov mustImmedlptelyreturn to tls allHomeEqultvUneofCrqdltChecks
andg*oyotharaccessdevl ces.AnyuwoofHomeEquityLlneofCredl tCheckyorolhqrapcesçdavloosfoll owlntsu:p4nelpnortlrml
petien
maY be oonsidered fraudulenl. You wïllelso remnl
n lable f0rafW furtheruse ofl'
fotne Eqkllty tlne ofCredi
tClwcks or(dherCredltLln.
aeces: devices no1returned to us. :
DelaylnEnforcement,W,rrleydelayorwalvetheenforcemôntofanyofourrlghtsunderlhlsAgreementwithoutIosingtllatri
gdtoranyQther
right.lfwedeleyorwalveanyofourrl ghts,wem,yenforcethatrjghtat:nytlmeI n1LJfuttlrewlthoutadvanoefhotlce.Forcxarnpbetnot
termlnatlngyoureccountf/rnon-paymentwlllnotbe:wal
verolourfl
-
ghîloîerml
nateyoq'
rkcc:untlnthefulurcIfyoukhwonetpald.
canc
CredltCheceà: arkd any olhoraecessdevleer '
tadvancqsunder'thlsAgreemtm!fyj
ekationb:you. Ifyoucancelyotlrrlghttogredi
to tls. Despîteeaneelall
i
prntlstnotlfyusand retujd@1IHomeEqultyLl
on, yotlrobtl
neol
.remal
gatlon:.underthl: Agreementwtll- nin fujjofrj and
effectunlllyou heve peid us a1Iamountsdtle undertblsAgreement. ! ;
Prep:ymeot. You mlyprpgzy et4orwny omokmtowlngundorthlsCredisLlnp &t:nyllm:whhoutponahw oxoeptwpwltlb:qntltloötot'pcglvv
a1accrue;FINANCE GHABGEG.and othercharges,Ifany. Payment:ln excessofyourMl nlmem Paymentwlllnplrell
eyeyot,ofy/urobll getloq
to rontlpuelo make yourMlnlmtlm Payments. Instead,they wîlredvcqlheprlnclpalbslapce-owedon tho Credlttfnej Yotfaireenottn:end
uspayrrlentsrnarked ''paldln full'',*wlthoutrerourseV'forslmllsflvnguage. Ifyoulendatfph apeyment,we m:yacceptItwllM utloslng anyol
ourriqbt:underthl Aqremnont,andyotlwllremainobll gatedxop:yanyftlrtheramouotowedîotls.Attwrl ttenrommunlcktl ons.concefnlrt
g
disput:d amounl&,indudl
ng pnychockorotherpaymenti nstrumenttha!tndfcatesyhattbe,paymentconstilut@s 'paymqntin fub'boflheamotlnl
owedorlbat15îenderodwl thothercondltlopœorllmit:tionsora,vfullsahl
sfaotl
enoftsdlspptgdemeuntmustbomall cdtordeli
vered1o:98nkof
CoralGables.Attn:Loan operaflons,95 Mcfrlck Wey,Sulte 1Qe CofalGables. FL 33134.'' ''
Notlces. AI1notiees wlslbesenttoyouraddrass asshownIn4h4sAgreetnent. Noîlceswil(bj malled lo you atedlfferept.ddresgifw uglvekls
writtennotloeofadlffeRre
Credltlnformatlonand'
ntaddress.Youagreetoadvlseuspromptlyifyotlchangeyourfé
elated Matters .
j
jlngaddress. i
. Yousuthorizeustorel
easel
nfcrmatl
onabou!you!dlhlrdpartlegasdescri
bcdl
nourpfl
vacypoll
cyand
ouqràe
re Fn
st
f
.C
t yr
ot
udwi
i
tRllepf
po
or
vti
lde
ogu
As
otnt
wio
htl
c
aec
,upfr
re
on
v!
ldf
oln
:ay
no
cu ds
lall
dtenof
tot ;n
rtapt
t,o:une
towflc
jI
'
e
edait
- pp
gl
icpal
p bcla
i etl
p
oollco
n, yt
j6
'b0
rth.
.so
pn
erf
mlt
erledpb
ms yvl
ro a
dwe
l:dbY
ybuus.
agY
le
e:
uta
hl
a
xt
o.a
ugr
po
en
.etlr
we
rna?obtalntredltreports.onyouatany tl m e,atotlrsoleoptlon and expqnse,forany readoh includlng butnotllmlted 10determlnlng whetbe?
tllvle11> blerla!Iudvrvbochorlgefnyuu:linzrlulislvulldlllurl. W ullldyItlqullraflovvappralaul,urtllerlvperw NvhlshaesuraayourCredltLlnoot
an? tlmr,includlngan lnternelInspqction.atctlrsole optlon @ndfapenNo. ,i
TrensfgrorAsslvnmcnt. Wlt houtprlornotlu:ortl pprova!from you,w:f' esarvgtha flghti1ùselsortr
. aosferYourCfedllk.1n%hcoovntatld ouf
rlghlsandobllqations uoderthlsAgreem:ntto anothorIender:entlty, ori xr son,an d to aswf
g n our r
ighœ under1h@Mortgage.Ynurflghseunder
lhlsAqrqlment belong to you orll y efld may notbo transfarred cr.ssl gped. Yourobllgall onsthowever.afe blndlng on yeurhelrs and l egld
repre:entatiges. Upon anysuchsaleortransfqrzwewlllhaveno furthetobfl gntl
on to provkdo you wlth cqeditadvancesortoperform an#other
obllgatlon underth11Agreelnant. .
Tax Contoqoenoes. You underlland lhatnohbofwo:norany ofoufernpboyeos pfagonlsr'mako any represenlalll m ofw:lrant: whRlsofmer
oormqrnlpg tbetax censequermta efyourgstnbllshlng and usëngyourCrod- ltLlgo, iocludlcg tlle deduotlblllly oflnlerestviandlhatneptherwenôr
ourerriployees oragentswll
tbe liable I
n the eventIntnrestorlynurCrctltLl
netsnotdeddcie
lbl
e.'Yo: shoul
d const
llty'ourowntex advlsorfor
Q
N
ul
danceontlllssublect. . ( )'
!
.
:
ol
Yo lr
tlfyac
Us ofInaccurate lnform atlon W e ReportTo ConsufperReportsng Aqencles PI
ng agenoy, Yourwrltton fwtlce descflblnga
'a
îsensj
pt
lf
vlfu
csl
lnfawe rre:pcort
lea
nyll
noacb
dur
aetssIn
ef
no
trma
tot
lo
sna
atbout
.
coun4ls)le a consumerreporti hc ic l cctl yt sj h ul b u the
tolt
owtrtg eddfess:BankofCoraîGablBtAtto:LoBnOpcraticns9: MtrflckW%9. Suite 1Q6 CöralGwbles,FL33134.
' JurvWalver. Wq end you hercby waive therl ghl10 anyJurytri allrIany actipn.preceedi
ng,ercounîetelaim broughtbyeltherusoryouagnlnst
theothef. (tnltlalllere 1
Governsng taw. rhls Asreemenlwillbe governed by federalIaw appllcable to uaond, lo1h;extentnotpreemptedby' fedBrall
aw,fhelaws of
lheStaleofaorldawithctltregafd teIt>confllcts ofIaw pruvlslof
ts. R'
hlsEAgreemcntll:sbëenacceptedby usin theStetenfFlerlda.
C'
N-ne #cet
?fVenue, lftherelsaIawsult,youngreoupqnourrequosttojubmktotheluflsdlGtlonofthecourtsofMlarrt
l-DadeCotmty/Sîalt
,of
y/
z'te ' .I
da, ;
. j y
j - sbrnent. You consentto the issuanceofacontilwing writofgarnlshmentorattachment:gelnstyoerdisposabl e eerplngs, iflAccllrdanc:
wilbSectlon 222.11.FloridaStalutos,Iqordertosatlgfy,lnwholaorInpzft, anymoneyJudgtnententerodInfavoroftfç.
.. .........,
j
;
i.
, b- CREDIT AG REEM ENT ,

'rLozn'No: (Continued) .
':
, k
I Page5
*
, i> . *
.
;: .
capîl
onHeadlnjw. Captlenhqadingslnlhl,Agreementareforconvqnlenc:pufposesopl?end aronettobourvdtoIntqrpfelordeflnethe
provYlonspfthlsAgreement. )
lnterprotatlon. YQuegree thattlllsAgraement,togetherw1th tho Mortg.go, ;
y tI
4e bestevldencaofyouragreements wl lhus,lfwegoîoGourl
forlmy rea,on:we can use a copy:filmed ofelectronle,efany perlodle statemant. thls Agreement,îhe Mortg:ge cfarky plherdecumentt o
prove whatyou owe utorlhatatransactlon hastakenplace. The cop '9.mlcrofll
m ,mlprpflche. o?opti
calImngewlllhevellesemevalldl?as
the orklnaj. You agfee that.exlep:to th4 oxxerîtyou len show thero ls a blllng errpr,yotlrmowtcurrontpefiodlostatemqnt1a tb: beal
evid:neo ofyvurobliga6onto pay. '
l
severabllly.IfecouftflcdsthatanvpjevlslenoftlllsAgreemontlsnotvalfdorshouldnotbeenfofced.thatfaolbylfselfwllln01meanlhat:tm
reatof11.11s Agreemenlwillnotbe vald orenforoed, Thnrefore.a courtwl
ll'
enfofce th.e.restof the provlslons ofthl:Agrvementqven lf4
provislon efthl:Agreemeqtmaybefound to belnvalldofunalforeqablq, , .
: 1
Aoknowledtmcnt.Youunderstand;nd4:teeto1l' t@tqrmsandoondl tlohslnlhlsAgfoameni. ByslgnlnqthlsAgrqemeitjyouKknowl qdgothat
youhavof' eqdlhl
aAvfe4ment.Youalleacknowl edgeracvlplofgèorflû .Ietpdcopyofthl:Agrolmont,Includlf
x (l1ealiCeredllBlllng8otlçeTpd
lhee:dyhomeequltyI ln@ofcledltappllcaticndiycl
ofCredlt.''glvenwith th@ applieallon.
osklre,I
naddltlontothehpndbookentl;ledI 'Whalvoushouldknow : abctltFlimeEqultyUnes
. :
i
BORROW ER:
< -+ - - M rm a--o- -
X = > - - - .-- ..a..
atlrenceSclm elder
'
Effecll
veoîsbursementDate: . '1
j ;
! .
)
- !
! !
:
.
.
;, ' v
FlorldaDocumeltarySlkmpTay'
.
Florlda docqmentary stamp tax in the amountroqvlred by law has been pald wl
th respectto thisAgreamenton the
'
M ortgage securlng this Agreem ent. '
.
: w.. C1no..*
j:4 @
CDCC X
- .- (
i- ' .
r'
v.
.
. . CREDIT A GREEM ENT '
''Ldln No: (contlnued) Page. 6 '
BILLING ERROR RIG HTS

YOUR BILUING RIGHTS
KEEPTHISNOTICjFORFUTUREI
'USE
Thi
snoti
cocontaInsl
mportantlnformationgbotl
tyourrkhtsandourfesponsiblll
tlq.
sunder'tloFalrCredltBlllngAol.
Notlfy us ln case oferrora orques - tlons aboutyour blll. ' .
' . ! .y '
lfyou lhlnkMotlrbllllswtong.orlfyou needmo/e l : etst
nformatlon aboutalransactlon onyour'bll,w rlteuson aseparaleshe
Bank ofcofalGables .
A1'tn:LoanOpefaîlons
SB MerlickW aw Sulse 3Q6
CorelGables.FL 33134
oratthe.ddfesâI
lstedonyourbl
lf.WrlteSousasaoonaspo:slbleqWemuaîheqrfrom y
1ounoIateflhansl
xty(60)dti
y,aflerweaenlyouthe
firatblllon whlch theeffoforpmblem appeared. You canlelephon:u:,btltdolng sowllliotpreserveyourripht&.
In yourletter.glveus1h@followtng lnformstl
on:
VOUCn4me :nd R rotlfltntlm b@r.
Tbedoll:ramouatoftholulpectederrir l
. ) '
:
ie:crlbe4heofrorandexplaln,Ifyouoan,whyyoubplievotbofel :' noed rrlorq informRtion,dex
sanerror. lfyou clii
)vtheitqm youur:
notsure about. ' '
tfw u hvve pmhollzedu:topayyourblsîautomatlcallyfrom yourslwlngs orohitklng accpunt
! ,youoan stoptb* paymentorlany amcupt4ou
thlnkiswrong. Tostopfhepeyr
penl,yourletîermustreach tzsthrx (:)btolnessdaysbeforetheautomallcpaymentlsschedul edîoosotlr.
Yourrights and ourresponslbilities afterw e roeelveyourwrl tten nolîce.
'
W BmussacknowlBdgeyeurloherwlthlnlhlny (30)days,unless w.haye corrected the.eçrerbythen.W ithlnninet:(S0)days,weinestelther

oorreottheerrorofoxpîaln whywobeliov@theblllwaseorrect, '
1
! . t
AftefWe receive yotlrIetter.wecannot11
y tncollcctany amotlnt?otlquestlan. orreportyoua,d:linquent. Wecagcnntl
nuetvbi
llpef;f1he
amotlntyouquertl
on,Ineludl
ngflnanoeeharges.gndwecanzppY anyunpal
damountaqai
natyotl
rCreditLlml
t. Youdon@thevetope any
questlonedafncunîwhl
sewgare lnvestlgatl
ng.btltyeu ar:stlllobll
gatedto payîhepartso'
fyourbll
ïlhetarermtInquestlen.
ma
lfvk
eo
na
fln
ml
dstl
haaktp,wo madeamlstakeonyourblll,youwl llnotbav.llîo
yetlmayhaveto poy flolmoqçharges,and youwl
payanyflnancechlirielfetatedte'
anyquqstlonedamouft.tfwe
have1ofnakaup anymlksod p:ymentsonth@quqAtloatdamount. l
dlda't
n olther
case.wqwlllsend y0u asxatementoflhe amountyou?wo and thedateonwàithitlsdué. , :
Ifyou fallto p.y the amnuntll
àatwl thlnk yntlowe.womayreporlyiu@sdell l ;oesnnyiatl
nquont, Howvvvr,lfourexplprœtlvnd sfyyouand
youwritqto ugwlthsn tén (1û)day:tellng usthetYotfslillrefuseto pey.wemustfelanyone wefepertvoulolhstm uhavaaque:lkn abtut
yourblll. And,w:muattellyou îbe nqme ofanyone we reported yotlto. We musttellanyone we reportyou lo tbatthematterhRs been
'
seule botwesn uswhonStfln:lly1.
Ifwe dœn'tfol
low tlloserul ttheflrst65O ofthequewtloned amouat.eveh Ifyourblllws& cerrect.
es,we can'teollgc.
I
!
tMl.
q:M tee wW'.ç.D.I*,*1 We.1l*W le
- e le wihku.110.z= . M *4%$##T-w4. .R C.
'WM*%R& tl**#*> rrM't1@l1.K TM :O'I
k
=(/ennedk--e
':
#
YWWMXX*******
oate.vpz
'&
E X H IB IT B
?jp.zz''c&.
......
+kg.i
.s=,.:r- .:,41t5.a
'#d;ky'(.v$t:.
June 5.2015
M r.Laurcnce Schncidcr
360 E CoconutPalm Road
Boca Raton FL
RE: AcctEnding in0006
DearM r.Schneider.
I havc recclvcd your requesl lo not repon thc dciinquency thc occurred on thc abovc
accountin Aprilofthis year.Itappears thatourbilling address was no!correctand your
paymenlwas late tbr this reason. Since this appears to be the resultof a clericalerror
during ourrecentm ergerwith tlw Bank ofCoralGables. we w illcontinue to reportyour
accountaspaid asagrccd.
Today.we have asked thccreditagenciesto correctyourcreditt5le to satisfactory status. 11

m ay take up to 30 days tbr them to update your credit t
ile, although itfs usually much
quickerthan that. Foryourconvenience. lhavc included theircontactinform ation below .
Experian Trans Union Equitàx lnnovis

PO Box 2002 PO Box l000 PO Box 74024 l PO Box l358
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1.'
E X H IB IT D
Larry Sthneider
From : Brian T.Hagan <bhagan@ firstambankacom >
Sent: W ednesday,November04,2015 8:20 PM
To: LarrySchneider
Subjett: Re:HELOC #40000006 -CONFIDENTIAL-FOR SETTLEM ENT PURPOSES ONLY
Larry:
Thanksforthereply. lhavethepaymenthistory thatyou rtquested, andam t oldthatthecreditregortingis

accurate. Iw illdouble check to see w hatcorrespondence we have w ith thecreditreporting agenclesand w ill
getthatto you aswell.
A re you available to m eetnextweek? lhave appointm ents up nearyou and can bring the docum entsyou'
ve
requested.
Brian
Brian T.Hagan
Florida M arketPresident
FirstA m erican Bank
2295 Galiano Street
CoralGables,FL 33l34
(305)777-1027
OnNov4,2015,at1:48PM,LarrySchneider<Laay@sacapitalpadners.comlwrote:
Brian,
Ijustreturnedfrom Bostonlastnightandwillhavethefinancialstatementtoyouthisweekend.
Inthe meantim e,whatstepshaveyou takento ensurethatthe erroneousreporting made by First
AmericanBank,tothemajorcreditrepositorieshave beenexpeditiouslyremediatedandpurgedfrom
mycreditfile? lneed financingforseveralthingsand thusrequiredocumentationfrom the Bankthatit
acknowledgesthatmy paymenthistory hasinfactbeen made on atimely basis, perthe termsofthe
Ioan documentsasthey relate to the FairDebtCreditReporting Actand thatittakesresponsibili
tyforits
actions.
Please provide mea copy ofthe correspondencewhichthe bankhassentto the creditrepositoriesto

expeditiously rem ediatethese ongoing harms, asa Ietterofexplanation,although helpful, willnotaid in
increasing mycreditscore.Asyou areaware,m ortgagedelinquenciesreportedto the credit
repositorieshave the m ostprofound negative impactontheirrespective scoring models.
Lastl
y,hastheflawsin the bankssystem ofrecordsbeen addressed such thatmy accountisnotstill
erroneously reporting asdelinquent?
IIookforward to yourprom ptresponse to thismatter.

Sincerly,
LarrySchneider
1199 S.FederalHwy,#369
Boca Raton,FL33432
305-710-4201
Fo m:BrianT.Hagan Email
to:bhaganasrstambank.com)
Sent:Friday,Odober30,20153:44 PM
To:Larry Schneider
Subje :Re:HELOC #40000006-CONFIDENXAL-FORSETFLEMENT PURPOSES ONLY
Lan'y:
Thanksforthe prom ptreply.1'11getthe inform ation you'

rerequesting, and am checking to see
how long thatw illtake.
Brian
Sentfrom m y iphone
> OnOct30,2015,at3:05PM ,Larry Schneider<Lacv@ sacapitalpadners.com> wrote:

>
> Brian,
>
> lam outoftow n and do nothave accessto com plete the financialsutem entand send back
today.The am ountyou claim isdue forOctober isincorrect. Ihave w ired the paym entyou are
requesting so Ican com ply.
>
> A slexplained during ourm eeting,Ihave notfiled 20l3 or2014 tax returns. lam in contact
with the IRS and they are aw are ofthe JpM organ litigation.
>
> W hatare you going to do to im mediately rem ediate the continued erroneouscreditreporting of
m y accountand the harm sitcontinuesto cause m e?
>
> Please send m e the com plete paym enthistory ofmy accountsince origination and a copy of
the entire origination file along w ith any and allpriorbilling statem ents, noticesand other
correspondencespertaining to the origination and servicing ofm y m ortgage since the date of
origination.ThiscommunicationshouldbedeemedaQualifiedWrittenRequest.
>
>
> Sincerely,
>
>
> Larry Schneider
>
>
2
>
> From:BrianT.Hagangbhagan@ firstambank.comj
> Sent:Friday,October30,2015 12:43 PM
> To:Larry Schneider
> Subject:RE:HELOC #40000006-CONFIDENTIAL -FOR SETTLEM ENT PURPOSES
ON LY
>
> Larry,
>
> Thanks foryourem ail.A sl've said before,lam available w heneveryou have questionsand
can be reached almostany tim e atmy cellphone num ber,w hich is included below .
>
> FortheOctoberlpayment,the am ountdueis$4,646.05.ThepaymentdueNovemberl, if
madeontime,willbe$3,823.29.Ifyouneed any help ingetting thesepaymentsmade, please let
m e know .
>
> A swe discussed in ourm eeting,before FirstA m erican Bank can considera deed-in-lieu of
foreclosuretransaction like the oneyou are proposing, w e need to obtain from you the follow ing
docum ents and inform ation:
>
> *Personaltax returnsforthe m ostrecenttw o years
>
> *PersonalFinancialStatement(form atlached)
>
> 1911callyou Iatertoday to discussthis.
>
> Thanks,
>
> Brian
>
> Brian T.H agan
> Florida M arketPresident
> FirstAm erican Bank
> 2295 Galiano Street
> CoralG ables,FL 33134
>Office(305)777-1027
>Cell(786)385-0348
> (hûps://- .Grstambank.com/mediiuploads/FAB-
logoz.giq<https://ww .GrsGmbank.com/>
> P.O.Box 0794
> Elk Grove Village,IL 60009
> EqualHousing LenderM em berFDIC
> w w w .FirstA m Bank.
com <httpsr//w w.Grstam bank.com />
>
(hupsr//www.Grsumbank.com/media/uploads/socialmedia/fb buûon.pngl<hlps://ww .facebo
ok.com/FirstA m Bankl
(hups://ww .srsGmbank.com/media/uploads/socialmedia/tw butlon.png)
uhups://w w .tw iuer.com /FirstAm Bank>
>
> IM PORTA NT IN FO RM A TION
3
> Online Security

> FirstAm erican Bank w illneverask you foryourpersonalinform ation, such as yourlogin lD ,
password,oransw ersto challenge questions,in an emailorany w eb page directly linked to an e-
m ailfrom us.Form ore inform ation on how to protectyourselfagainstonline fraud, view our
Online Security page athaps://w w .srstam bank.coe General/Generallnfo/onlinesecuril/
>
> Privacy Policy
> W e do N OT disclose any inform ation aboutyou to anyone, exceptasperm itted by law .For
m ore detailed inform ation,view ourPrivacy Policy at
httpsr//w w .srsG m bank.com /G eneral/G enerallnfo/privacypolicy/
>
> From:Lan'
y Schneider(mailto:Laay@sacapiulpalners.coml
> Sent:Tuesday,O ctober27,20l5 7:09 PM
>To:BrianT.HaganMbhacan@firstambank.com>
> Subject:RE:HELOC #40000006-CONFIDENTIAL -FOR SETTLEM ENT PURPOSES
ON LY
>
> CONFIDEN TIA L -FO R SETTLEM EN T PURPO SES ON LY
>
> Brian,
>
> 1have been occupied 24/7 w ith the sem i-confidentialsituation w hich w e spoke aboutduring
ourm eeting.Thus,lhave nothad a m om entto addressthe continued problem atic and abusive
practicesby FirstAm erican Bank in its failure to addressand rem ediate itsflaw ed system of
records,whichcontinuestoerroneouslyreportmyHELOC accounttothemajorcredit
repositoriesasdelinquentforthepastsix months(Thisreportonly showsSeptemberand
October20l5,as a lettercorrecting priorerroneousreporting's by the Bank, w as sentto the
creditrepositoriesby JenniferA nderson.ln fact, the bank hasalready reported my accountas
over30dayspastdueforOctober2015.(Attached isaconfidentialcopy ofmy creditreportas
oftoday,October27,2015).Thishascontinually lowered my creditscore and fraudulently
corrupted my creditworthinessinseveralattem ptsto getmulti-million dollarfinancing formy
FCA and RICO cases againstJpM organ Chase and forotherunrelated financing. A slnotated in
m y em aillastm onth,the bankscustom erservice departm entcan'ttellm ethe Iastpaid date and
nextdue date ofmy m ortgage loan.At3:32 pm today, Ionce again called the custom erservice
numberonmyPeriodicBillingStatement(847-952-3700)andonceagainIsatonholdfor15
m inutes while the representativetried to determ ine the accuracy and integrity ofm y account
inform ation,to no avail.
>
> Y ou had personally assured m e thatthe problem w ith m y HEOLC billing w asrectified during
ourm eeting.lshared honestand consdentialinform ation,as a professional, a custom erand on a
very personallevel.lreasonably expected thatifyou w entoutofyourw ay to m eetw ith m e in
person to discussthe m atter,thatyou did so in good faith and thatthe erroneousbilling and
creditreporting problem sw ith m y accountw ere resolved asyou represented to m e.
>
> Furthermore,inthesubsequentemailbelow,youclaimedthatyoutçwillverifythatit(the
Septemberpaymentlhasbeenappliedproperly.''Onceagain,Itookyouatyourwordthatyou
were personally ensuring thatm y accountw as being handled properly. Itw asnotand is stillnot
being handled properly.
>
> The banksunw illingnessto address itscorrupted system ofrecords, despite over20
docum ented requests,plusthe gross negligence shown by the bank in filing a release oflien and
satisfactionofmortgageforaloanitdidnotown(JohnnieWashington-S& A CapitalPartners
mortgage),showsthebanksunwillingnesstocomplywithfederalandstatemortgageservicing
and consum erprotection Iaw s.
>
> Ihave been cooperative and accom m odating with any ofthe banksrequests. Iam now ready to
m ake thisa very long and protracted litigated matter.
>
> lofferthisone offerand com prom ise as follows:
> I/we w illagree to provide the bank a specialwarranty deed forthe transferofthe property in
itsttas-is''condition,w hich is in the sam e m aterialcondition as itwasatthe tim e oftheappraisal,
in exchange fora fullrelease ofliability ofthe debt, as a setoffforthe m ortgage loan which the
Bank released between S & A CapitalPartnersasM ortgagee and Johnnie W ashington as
Mortgagor,andforothergoodandvaluableconsideration(harms).Generalreleasestobesigned
between the Bank and Laurence Schneider,individually and betw een the Bank and S & A
CapitalPartners.
>
> A sa professionalcourtesy,ldid notcopy anyone on thiscorrespondence.
>
> Please reply eitherw ay priorto 2:00 p.m .on Friday October30, 2015.A no reply w illbe
interpreted asa disagreem entto the basic term soutlined and offered above.
>
>
> Sincerely,
>
> Lan'y Schneider
> S & A CapitalPartners
> 2901ClintM oore Road,Suite 410
> Boca Raton,FL 33496
> Tel:305-710-4201
>
>
>
> CON FID EN TIA L -FOR SETTLEM EN T PU RPOSES ON LY
>
>
> From:BrianT.Hagangmailto:bhagan@ Grstambank.coml
> Sent:Thursday,October01,20l5 8:30 A M
> To:Larry Schneider
> Cc:M ilton W .Espinoza;Jam esA K ielbasa;JenniferL . Anderson
> Subject:RE:HELOC #40000006
>
> Larry:
>
> lcan confirm we have received yourpayment,and w illverify thatithasbeen applied properly.
>
> lfyou have any questions regarding yourO ctoberpaym ent, please contactm e directly.
5
> Thanks,
>
> Brian
>
> Brian T.Hagan
> Florida M arketPresident
> 2295 G aliano Street
> CoralGables,FL 33134
>(305)777-1027
>
> (cid:-WRDooo.
jpgl<httpst//ww .frsumbank.com/>
> P.O .Box 0794
> Elk Grove V illage,IL 60009
> EqualHousing LenderM em berFDIC
> w w .FirstAm Bank. com <httos://w w .Grstam bank.com />
>
>
>
Lcid:-W o ooo.
jpgl<https://w w.facebook.com/FirstAmBank>lcid:-W RDooo.
jpgl<hlps://w
w .twitter.com /FirstAm Bank>
>
>
> IM PORTA NT IN FO RM ATION
>
> Online Security
> FirstA m erican Bank willneverask you foryourpersonalinform ation, such asyourIogin lD ,
password,oranswersto challenge questions,in an em ailorany w eb page directly linked to an e-
m ailfrom us.Form ore inform ation on how to protectyourselfagainstonline fraud, view our
Online Security page athûns://w w .Grstam bank.com/General/Generallnfo/onlinesecuriw/
>
>PrivacyPolicy
> W e do N OT dlsclose any inform ation aboutyou to anyone, exceptasperm itted by law .For
m ore detailed inform ation,view ourPrivacy Policy at
https://ww .srstam bank.com /General/G enerallnfog rivacvpolicv/
>
>
>From:Larry Schneider(mailto:Lara@sacapitalpanners.coml
> Sent:W ednesday,Septem ber30,2015 3:59 PM
>To:BrianT.Hagan<bhagan@irstambank.com<mailto:bhagan@Grstambank.com>>
> Cc:M ilton W .Espinoza
<MEspinoza@ ûrsumbank.com<mailto:MEspinoza@Grstambank.com>>;JamesA Kielbasa
<lKielbasa@ Grstambank.com<mailto:lKielbasa@ Grstambank.coml>;JenniferL.Anderson
<l
'anderson@ srstambank.com<mailto:l
'anderson@ Grstambank.comll
> Subject:HELOC #40000006
> lm portance:H igh
6
>
>
> Brian,
>
> Please find the Septem ber2015 paym enton the HELOC account. Despite the tlawed
inform ation in yourservicing system ofrecords, my accountiscurrent(forthepurposesofthe
FairDebtCreditReportingAct).Pleaseapplythepaymentaccordingly.Thebankhasbeenand
continuesto m ake erroneous and derogatory reporting ofm y accountto the creditrepositories,
despitenum erousrequeststo the bank to rectify the variousboarding errorsw hich hasaffected
m y billing and subsequentpaym ents.Thebank continuesto violate thisand num erousotherstate
and federal,m ortgage servicing and consumerprotection Iaws.
>
>
> Sincerely,
>
> Larry Schneider
> 1199 S.FederalHwy,#369
> Boca Raton,FL 33432
> 305-710-4201
>
>
> This em ailm essage hasbeen delivered safely and archived online. Thisem ailsystem is
managed by Dynam icare
Ez<http://dynam icsuppon.com/dynam icare.php?utm source=M im ecast% zBstational % zBLink
% 2B-
% zBsAcapitalpartners& utm m edium =M im ecast% zBlsink& utm cam paign=M im ecast% zBlwin
kF/âzll-tlzgzBsA capitalpafners>.
> Powered by M im ecast
><BankunitedTreasuryM anagement(l).pdt>
E X H IB IT E
K ELLER & B oLz

Li
rnitedLiabiityPm mrship
JOHN W.KELLEK 111* 121M AJORCA AVENUE TELEPHONE(305)529-8500

HENRY H.BOLZ,III SUITE 200 TELEFAX (305)529-0228
CORAL GABLES,FL 33134
SHEYLA MESA W W W M LLERBOLLCOM
*Board Certifiedin
EMAIL:hbolzG ellerbolacom
Admiralty& M aritimeLaw
Novem ber30,2015
VIA EMAIL and U.S.M AIL
Laurence Schneider
360 EastCoconutPalm Road
Boca Raton,FL 33432
Re: FirstAmerican Bank

October30,2015 EmailDirectedto Brian Hagan (FCRA)
$1,500,000.00 HELOC Loan - July 28,2006
DearM r.Schneider:
Keller& Bolz,LLP represents FirstAmerican Bank ('FAB''). Asyou know,Bank

ofCoralGables LLC m erged into and became FAB in December2014.
This Ietterresponds to thatem ailwhich you sentto Brian Hagan at3:05 p.m .on
Friday,October30:2015. Thatemailcan arguably be viewed as an attem ptby you to
dispute dired ly wlth FAB) in accordance with 15 U.S .C. j 1681s-2(a)(8) of the
ConsumerCreditProtection Partofthe FairCreditRepoïng Act(''FCRA*),information
thatFAB provided to creditrepoding agencies earli
erthis year.
In accordance with the FCRA,FAB has conducted an investigation and reviewed

that inform ation in w hich you provided with respect to the disputed Iate paym ent
inform ation you identified. Aftercom pleting its investigation,FAB com municated with aII
ofthe major/nationalcreditreporting agencies and advised them thatalIofyourpast
due paym entnotices have been reversed,and thatyou had been making aIIpaym ents
as agreed.Thi
s letteris beingtimelysentto youinaccordancewith 15 U.S.C.5 1681i.
YourNovember18,2015 (7:48 p.m.EST)and November19,2015 (4:37 p.m.
EST)emails to Brian Hagan indicate thatin addition to 'immediately remediating the
repoding errors*(done),FAB needs to ''send any Ietters needed to rectify the harms''
ted-l't Fidelity revolving Line of Credit as having been
and identifies the Bank Uni
M r.Laurence Schneider
Novem ber30,2015
Page 2
affected. Do youstillwanvneed FAB to write to BankUnited (ormi

ghtsucha Ieoernow
be unnecessary)? Please Ietme know.
AIIfudher requests forinform ation for docum ents in any fashion relate to any
com plaints ordisputes thatyou m ighthave pursuantto the FCRA should be addressed
to the undersigned atthe address onthis correspondenœ .
In erel
%
%;
e .Bolz,III
HHB/cp
cc: FirstAmerican Bank

E X H IB IT F
Larry Sthneider
From : Larry Schneider

Sent: Monday,January 18,2016 5:53 PM
To: 'Henry Bolz'
Ce: GarrySmith(gsmith@firstambankacoml;JamesBerton (jberton@firstambank.coml;Brian
Hagan (bhagan@firstambank.coml;FrederickM.Snow (fsnow@firstambank.coml;
JenniferW alker;Jenn Foster;Helen Chaitman (hchaitman@ chaitmanllp.coml'
, Lance
Gotthoffer(Igottho/er@chaitmanllp.com)
Subjed: RE:FirstAmerican Bank HELOC Loan (FCRA)
Hey folks,
Here wego again.... Iam once again in a predicam entregarding obtaining financing due to the ongoing and erroneous
servicing incom petency issuescaused bythe Iackofquality controlsince FirstAm erican took overthe BankofCoral
Gablesoverayearago. lfinally fi gured outwhy you continuously send incorrectbilling statementsand falsely reportmy
accountasdelinquentto the creditrepositories. Istillcan'tunderstand w hy nobody atthe bankwould take thetime to
investigate the accounthistoryand review the Ioan documents. Thi sisdespiteoverthirty(30)communicationswith
num erousem ployeesand managementofthe bank regarding the reporting my m y HELOC accountasIate, priorto a
paymentactually being due.
M y Ioan wasoriginated onthe 28thofa month with a paymentdue the follow ing month. You are continuing to falsely
and repeatedly reportm y accountasover30 daysIate afterthe 1Stofthe month.
lwasrecently m ade aware ofthese derogatow reporting's
* January9,2016
FIRSTAM ERICAN BANK hasflaggedyouraccountasNotmorethantwo paymentspastdue(2).
AlertDate 1/9/2016
Source EQUIFAX
Com pany FIRST AM ERICAN BANK
PaymentStatus Notmorethantwo paymentspastdue(2)
StatusDate 1/1/2016
Balance $1,498,138.00
Balance Date 12/1/2015
Address PO Box794E1kGrove Village,IL60009-0794
* January 7,2016
AlertDate 1/7/2016
Source EXPERIAN
Company FIRST AM ERICAN BANK
Paym entStatus 30 Days PastDue
StatusDate 1/4/2016
Balance $1,498,138.00
BalanceDate N/A
Address 700 BUSSE RDELK GROVEVLG, IL60007-2137
You have caused me some substantialfinancialproblem soverthe pastyear, now you've putm e in aterrible financial
predicam entdriven by a February 12,2016,Iine in the sand deadline, asIhave a balloon m ortgage due on my primary
residence and thisfalse reporting isthe reasonformy inability to obtain conventionalrefinancing. Asyou are aware,
there isnota blem ish on my credit,w ith the exception ofFirstAmerican'scontinued reporting.
Priorto FirstAmerican acquiringthe BankofCoralGables, Ihad a stellarbanking relationship w ith them from the tim e it
opened itsdoors in 2006,overeightyears.
Once again... $dem and thatyou im m ediatel

y retractthe false reporting ofmy accountfrom allcreditrepositories.
lam speaking with Brian,in an attem ptworkoutsom e sortofdealstructure, to rectify severalissues including the
mortgage referenced above,the problem with the balloon m ortgage on my property, which cannotnotbe rectified in
timetoappeasethe privateIenderwhoownsthe balloonmortgageonmy home (dueto thetorturoustimelinesand
verificationspursuanttothenew Dodd-Frankprovisions)andthecollateralized Ioanfrom BankofCoralGablestoS& A
CapitalPartners,an entity ofm ine which also had a greatbanking relationship w ith the BankofCoralGablesincludinga
collateralized businessloan.Asyou are aware, the collateralized business Ioan w ith S & A Capitalhad been long since
paid offbutthe BankofCoralGablesneverreleased the collateralassignm entonthe Johnnie W ashington m ortgage. A
title com pany called FirstAmerican Bank,and sincethe FirstAmerican representative did notrecognizethe borrowers
nam e in yoursystem ofrecords,and didn'tbotherto furtherresearchthe situation by even Iookingatthe ''collateral
Assignment''which provided ourcom pany contactinfo,the FirstAm erican em ployee executed a satisfaction ofthe
m ortgageand underlying prom issory note. The ownerw alked away from the property withouthaving to pay the
m ortgage,which wasowned by S & A Capital.
Hopefully,Brian and Ican worksomething outregarding a collateralized business Ioan, so thatwe can clean the slate
and startafresh banking relationship. 1'd rathernotcontem plate the alternative!
Regards,
Larry Scllneider
1S'Fidelity Loan Servicing, LLC
2901ClintAlooreRoad,Suite 410
BocaRaton,FL 33496
Cell(305)710-4201
From:HenryBolz(mailto:hbolzlkellerbolz.com)
Sent:Monday,Novem ber30,2015 1:40 PM
To:Larry Schneider
Cc:Garry Smi
th (gsmith@firstambank.com);JamesBerton Uberton@firstambank.com);BrianHagan
(bhajan@firstambank.com);FrederickM.Snow (fsnow@firstambank.com)
Subleu :FirstAmerican BankHELOC Loan (FCRA)
Please see attached correspondence ofeven date.
Regards,
2
E X H IB IT G
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VIA UPS May 26, 2017
Laurence Schneider
360 EastCoconutPalm Road
Boca Raton, FL 33432
Re: FirstAmerican Bank

Apr
T il10, 2015(sic)- 2017Cedified Letter
ruth-in-Lending Act/Regulation Z
Laurence SchneiderAcct No.40000006 .
DearM r. Schneider'.
This Ietterresponds to yourA

(''FAB'' pril10,2017 cedified Ietterto FirstAmeri
)(misdated April10, 2015)whi can Bank
letter. Because you authored tw ch FAB is treating as a Reg ulation Z Billing Error
which were sentto FAB via cedi ofiseparate and distinctIetters on April10 2017 both of
reference, a true and correctcopyed m ail,forthe purposes ofclarification, and ease of
ofyourRe
Iettefresponds, is attached as Exhibit''A '' gulation Z Billing ErrorIetter, to which this
.
HELOC Loan/pendinn Foreclos

ure Litication
Atthe outset, FAB woul d q)ointoutthatthe above referenced accountis a Home
Equity Line of Credit (''HELOCN which is secured in part by a m
-
propedy. The HELOC Soan is in defaul

tand th odgage on real
e realpropedy is in foreclosure
.
On July 28, 2006,you obtained a $1

,500,
fullydrawn down to its $1,500,000.00 lim itby 000 00 HELOC I
oan which was nearly
,
Novem ber21
has essentially rem ained full , 2008. Your HELOC l oan
y drawn down since November 21
Novem ber 2008 and April2016 , 2008. Between
, wi
th som e m inor/lim ited exceptions
interest paym ents on yourHELOC l , you m ade onl
y
when you stopped making paymentsoan.
i The pfincipalbalance on your HELOC loan
n April2016 was $1,488,554.76.1
' ln response to your Apri! 1Q
, 2017 Qual ified W ritten Request, FAB reviewed the entire loan
history ofthe HELOC account from t h
e initialline advance m ade on March 15
receiptofthe finalpaymentmade by Laurence S , 2007 t
hrough FAB'S
thatthere were in facttwo cleri chneideron April6, 2016. Thatinvestigation revealed
$192.49 in August2011). The aggr calerrors made (an $0.80 clericalerror in June 2012 and anotherof
egate amountofthose two clericalerrors
credited to yourI oan history and can be found atth , t
otaling $193 29,has been
Exhibit'B' '). Accordingly,the actualunpaid principal e veryaend ofthe loan history(attached hereto as
bal
Schneider' s finalpaymenton A nce under the HELOC following Laurence
pril6.2016 is $1,488,554.76.
9f7SlratfbrdDrlvt, Bloomlrlgdalr ILty1
;il1
):-22iè)
M r.Laurence Schnei
der
M ay 26,2017
Page 2
FAB,following yourdefault/failure to m ake the ten yearballoon paymenton the

above-referenced HELOC Ioan on July 28, 2016, initiated Breach of
Contract/Foreclosure Iitigation against Laurence Schneider pursuant to the HELOC
Credit Agreem ent and against both Laurence Schneider and Stephanie Schneider
underthe M odgage securing the HELOC. This ''Foreclosure Litigation''is styled:
First Am erican Bank v. Laurence S. Schneider and -
Stenhanie L.Schneider,et aI.'

,Palm Beach County Circuit
CourtCase No.16-ca-009292
FAB'S Foreclosure Litigation was filed on August 17,2016. The Foreclosure Litigation
has been at issue since April7,2017 and has been setfortrialin the Palm Beach
County CircuitCourtduring the trialperiod com mencing on June 28,2017. Virtually aII
of the questions and issues raised in your April 10,2017 Regulation Z Billing Error
Letter(Exhibit'A'
'),willbe resolved by the Palm Beach County CircuitCoud atthe
scheduled trialin the pending Foreclosure Litigation in which you are fully padicipating.
''Assess Loan Expense Fee''
Speci
fically,yourApril1O,2017 Ietter(Exhibit'
A '')questions the genesis and
correctnessofeightIine items('AssessLoan Expense Fee'')onthe statementattached
to thatIederunderthe Description ofTransactions heading. Seven ofthose eightIine
i
tems are significant'
,the 1/18/17 line item is only for$25.00.
No attorneys'fees of any type or nature were charged,posted orassessed to
Laurence Schneider's HELOC Ioan No.40000006 between the time that the HELOC
loan was originated on July 28, 2006 through the time when Laurence Schneider
stopped making m onthly interestpaym ents on his HELOC Ioan in April2016.
Beginning in July 2016,when it becam e evidentto FAB thatyou w ere not going
to m ake any fudher monthly payments underyour HELO C loan,and that you w ould
m ostIikely notm ake the balloon paym entdue underthe HELOC Ioan on July 28,2016,
FAB retained legalcounsel in Florida (Keller & Bolz, LLP) to prepare to initiate
Foreclosure Litigation in orderfor FAB to collect the am ountdue underthe HELOC.
FAB filed its Foreclosure Litigation against you in accordance with the terms of the
HELOC Agreem ent and Modgage, and in that Foreclosure Litigation, FAB has
dem anded that itbe reim bursed by you forFA B'S reasonable attorneys'fees,expenses
and costs in prosecuting the Foreclosure Litigation, ln accordance with the term s ofthe
HELOC Agreementthatyou signed (on p.4),you are responsibleforthose reasonable
attorneys'fees incurred in pursuing thatForeclosure Li
tigation:
8f1!
.itratfbfdIlnve.BIocim$ngdaIe fI.(t0It.
'ï3-'%*l9
Mr.Laurence Schneider
M ay 26,2017
Page 3
'Collection Costs. W e m ay hire orpay someone else to help

collectthisAgreementifyou do notpay. You willpay us the
am ount of these costs and expenses, w hich includes,
ts under applicable Iaw,ourreasonable
subjectto any Iimi
attorneys'fees and ourIegalexpenses whetherornotthere
is a Iaw suit,....''
The am ount of the attorneys' fees for w hich you w ill be liable in the Foreclosure
Litigation w ill be determ ined by the C ircuit Coud Judge in the pending Foreclosure
Litigation.
The seven significantIine item s which you are questioning reflectthe am ountof
m onthly attorneys'fees and costs that have been charged by FAB'S attorneys to FAB
(and paid by FAB)inthe above-referenced Foreclosure Litigation forthe monthsofJuly
2016 through January 2017,inclusive.
U ntil such tim e as FA B'S docum ents or records relating to attorneys' fees
incurred and paid by FA B in the Foreclosure Litigation becom e relevant/ripe for the
purposes of the Palm Beach County Circuit Coud's determination of a reasonable
attorneys'fee,those records are subjectto the controlling attorney-clientand work
productprivileges underFlorida Iaw. Accordingly,no documents,correspondence or
billing statements relating to the attorneys' fees being incurred in the Foreclosure
Litigation are being produced in response to yourApril10,2017 I
etter(Exhibit$
'A'')at
this tim e.
The eighth 'Assessed Loan Expense Fee''Iine item on the statem entattached to
yourApril1O,2017 Ietter reflects a Transaction Amountof$25.00. The basis forthat
charge to FAB was an unsuccessfulattem pt by a Iocalappraisalcompany to inspect
your propedy on January 9,2017. Afterthe appraiser assigned by FA B was unabl
e to
obtain accessto yourpropedy being foreclosed (noteventhe outside ofthe residence),
Attorney Kenneth Trent w as contacted on January 13,2017. Attorney Trent arranged
forthe propertyto be inspected on January 19,2017 by Mr.Carlos Molestina from FAB.
ln allevents, FAB has determ ined that the $25.00 expense that FAB incurred with
respectto the unsuccessfulattem ptto inspectthe property on January 9,2017 willnot
be among the costs and expenses that FAB is seeking to recover from you in the
above-referenced Foreclosure Litigation. FAB has ''waivedn/written offthe $25.00 fee.
See Ex.''B ''p 14
M r.Laurence Schneider
May 26,2017
Page 4
ln accordance with Regulation Z, 12 CFR j1026. 5(b)(2), FAB will not be

furnishing you with any fudher monthly statem ents wi
th respect to the captioned
H ELO C Ioan account.
To the extent that yourA pril10, 2017 l

etter(Exhibit''
A'')mightbe construed to
constitute a Notice ofErrorunderRESPA (12 U.S.C.j 2605,etseq.),thisIetteris also
being wri
tten to you in accordance with RESPA .
To the extentthatany statem ents in yourApril10, 2017 Ietterto FA B consistof

any allegations ofwrongdoing ofany type ornature by FAB, Bank ofCoralGables,LLC
orotherwise,aIIsuch allegations are denied ln providing the above/attached response,
.
FAB is not Iim iting or waiving any rights or remedies it m ay now or hereafter have
whetherarising underthe loan docum ents attached, at Iaw or in equity,and aIIsuch
rights and remedies are expressly reserved.
A IIfudherrequests forinform ation or docum ents that in any fashion relate to the
$1,500,000.00 HELOC Ioan thatwas originated on July 28, 2006 should be addressed
to the undersigned atthe address onthis correspondence .
Sincerel
..
y
A# r.
).'
. ? ,..z..!
,',.',Z ,
v.''
<e ,y
d*' ... . ..
,;.s.-
% .
..r v.. L
f v y, . t
v . ..,,'
.'.'C '.
.,.. .'
.
,.'#
'..U;
j.'.'.. 4
Ga S.5m 1th
SeniorVice President
Encl.
.h
((%If)F47-:()70 FAX ((A31)')h47-8070
Aprll10,2015
FirstAmerican Bank
PO.Box0794
t)Sf73 Cpv4l&?eé
EIl
(GroveVlllage:IL 60009-0794 % ts tc c ooco qatl 37 lï
RE: Acct# 40000006

Nam e on Account; Laurence Schneider
lhaverecelvedtbestatementwithcloslngdate03/15/2017 andbelievethatthereareseriousdilling
errorsinthisstatement. Iam being assessed a vague and tlndetermined loanexpensefee
10/05 sfer09/07,
, 11
/09,11/30,12/14.G1/18,02/10and03/Q6.lneedyoutoclarifywhattheseamountsarebeing
billedforandhow youarecalculatingthesefees.
lam also requesting copies of aIIdocum ents, information,and data that Fl
rst American Bank has
evidencing w hatthe chargesare, how thesechargesadd upasyou saytheydo, andwhyyouthinkthey
are chargeable to m e because Ido notagree atall.
Thisstatem entincludesm ultipl
e billingerrorsincltldingerroneotlscalculationoffinancecha
rgesandlate
fees aswellasthe loan evperlse feesyouwanlto tackon.
1needFlrstAmerlcanBanktocorrectanycom putationalerrors, rem ovetheIoanexpensechargesbecause
they are w rong and provide m e al
icalculaticns ofhow this accounting of''running basance''i
sbelng
derfved.TheAveragedailybalanceattltebottom ofthisstatementaloncjustdoesn'tmatchuptowhat
yotlaresaying.
Iam attachlngacopyofthestatementending03/15/2017withthi
sreques'
t.
M .> w
. <
Larryschneider
Exbibit''
A'
v Customer service 847-:52-370: (LN624()P)

PerludicBillln:
' fqasl Payments: First American Bank StlzlmMmg
P û Dox 9983
Bhk Grove Village IL 62:07-7983
x00D0D06
Paymortt MWX m
Laurence Schneider Due Dale Paytu ntou:
36c E COCONUT PALM RD
BOCA RATON FL 33432-7916 5/01/16 738.596.38
1::l ï I0 EiOQ 5l: O ?5

pe x.a ncrunxo'ppœ nosoeaTlrw Exy- x
tfvouapm scm .pava r.
to FlnsT AMERICAN BANK
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.... Acc .'ouxr
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4:000006 L 3/15/17 laB00,D00 . 0D //01/16 739 59:.98

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9/07/16 Aasers boan axpenBe Pee 13, 974.*8 1,539,165. 69

10/05/1% Acsess Loan Rxpênse Fee 17,034 .77 1,839,168.69
ll/n9/1.6 Asseaa Loan Expense eee 1. 998.27
11/30/16 Asscyp Loen zxpense Pee :,539,165. 6:
12/14/16 Asaegs loan Dxpenee F 30,248.56 1.539,161.69
1/7:/17 Aaaesa Loan Rxpense Fee 16,507.06 ::539,165.69
a/ac/17 ee
Nsvesp boan Expense Fee 25./0 1,539, 165.69
23 , 069.12 145394:66. 69
;/aB/l7 ourrent InterenE Rate
3.7500
DAILY aATz-see Reverse . :102
3/06/17 Corresponding ApR *

Aae 3. 75t0
ess boan Expense Fee 25: 174 .4D 1#539, 165.69
3/15717 Billed Late Charges
3/15/17 Billed Finance Chatge 244 .90 1,539,4:0.59
4,2:2 .5D 14543,693 .29
Current Pees/other Charges not in

nnew Balance- Summary 25: 194 ,40
PI
V ?l
OtJ& a. cldt
BALANCE ? AIAi(JANC
lçsANO
ES .
.- PK MEMTS
AMD'(5-B- Et
,. FiNANCE' m G HEII = NC-W
')!!T.u.-..-' CHABGE- K CFI
ARX E .. - - BAQANCJ
1 ,539,165.59 . QQ .BQ 4.282 .7û 244. 9: 1,543,693 .79
AN#UAL
REnDENY GE. PEDA
I4II IY gyznujo %yj
I.z
RA'TE ,C juj
jx IjAfaxcE j
:cvytlt.:
JDI
BATE . -- .
3.750: .01027397* 1,488,748 . 05 28

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First American BarA Page l

P.Q. Box 79*3 Date 5/25/17
;lk Grove Village, IL 60C07-7983
PH# (847) 952-3700
Laurence Schneider
360 E COCQNUT PALM RD
BCCA RATON FL 33432-7916
GENERKL INFQW AKTIQN

Account Number CIF Number 5A89220
Home Phone (561) 782-1464 Work Phone (561) 893-98Q5
Loar- Tern l2Q M Loan 2Y9% HOME AQUIDY LINE $50
Interest Rlte 4.QQ0QQO% origination Date 7/2e/06
Loan Osficer Milton ispinoza
Collateral Cd l00 l-4 FAMILY
Call Report Cd 1Cl LTVRS OF CRaDZT SECURZD BY l-4 FAMILY RRSIDEN
Purpose Code 06 Retail-HELoc
BAD KNCE & PAYMBNI ZNFQRMATION

Drigtra l Arount 1,500,000.00 Payment Due Date 5/0L/l6
Current Bllance 1,553,895.74 Payment Amount 4,698.54
Accrued Interest 1,431.35 Principll/lnterest 4,698 .54
Daily Per riem 163.12 êayment Type Cycle
LDAN HISTORY
7/28/Q6 to 5/25/17
Posting Transaction Prircipal

Date Description of Transacnions Amomnz Balance
3/15/07 Line Advance 50,0QQ.00 50,C00.00
3/14/Q7 affective Date
3/15/07 Billed - Finmnce Charge 22.60 50,622.60
3/16/07 Line Advance 20,QQ 50,C42.60
3/15/07 Sffecttve Date
3/21/97 Regular Paynent - Total 50,322.60 50,042.69
3/21/07 Payment - Principal 50,022.60 20.0C
4/15/07 Billed - Pinance Iqarge 56.64 76.64
5/15/:7 Billed - Finance Charge C.l4 76.78
5/16/Q7 Assess Late Charge S.0Q 76.78
5/25/07 Regular Paynent - Total 76.78 76.78
5/25/07 Payment - Principal 76.78 0.QQ
6/17/07 Billed - Finarce Charge 0.04 0.34
6/17/07 Billed - Late Charges S.QQ 5.01
6Xbibitîî6''
Farst Americmn Ban'

z Page 2
P ,o , Box 7983 Date
;lk Grove Village, IL 6C007-7983 5/25 17
Accoun t Ko .
PH# (847) 952-3700
Laurence Sc/m eider

360 E COCOKMX PALM RD
BOCA RATON 7L 33432-7916
7 13 û7 irznc palEff
6/17/07 Deblt Reversal 0 . 04 5.09
ective Date
7,
/13/07
S/l5/o7 Reverse
Billed - Bill- Late Charge 5.
Arm ual Fee b0. C0 C.C0
8/23/07 Regular Payment - Iotal cQ
50.00
5C. 00
5: . :0
8/23/07 Payment - Frincipal 50
8/30/Q7 Line Advani .
00 0.00
e 3:0 ,02C ,Q0 300,020.00
9/16/07
9/2C/07 Billed - Finance Cnarge
Current Intereet Rate 1, 220,62 301,240.62
9/19/07 E'fective Date 7 4750803% 301, 249.52
9/28/:7
9/28/c7 Regular
Payment Payment - Total 1, 220.62 391/24Q.62
- Frtncipal
-
1/ 220.62 300 ,020.00
- n/&l/c7 Line Advance 300/ 020.90
1Q/l5/07 Billed -
Finance Charge 2,174. 11 60C,O4O.QO
602,214 .11
lQ/22/Q7 Regular Payment - Total 2, 174 .11 602 ,214 .11
1D/22/:7
lQ/31/'O7 Payment I
Current - Finance Charge 2,174. 11 60C, 040.00
11/15/07 Billed nteresc
-
Finance
Rate
Charge
7.500200:
34882 , 82
626, 040.00
kk/29IQ'3 Line Ad 603/923.82
vance 100?0C0.00 703,923 .82
ll/30/C7
12/33/:7 Lin
Li ne Advanle 10O, 0Q0.09 803,923.82
1 e Advance l0C/ 3QC .00 953,923 .:2
2/03/97
12/:3/07 Reg
Payment Payme
ular nt Total 3. 883.82 903,923.82
12/12/07 C'
-
Finance
arrent Zhterest Rate C'
nlrge 3, 883.82 90Q? C4Q.QQ
12/11/07 Cffective Date 7 ,250320% 9CQ, C40.0C
-
12/16/Q7 Billed - Finance Charge 4/ 792.04 904,832,04

12/20/C7
12/22/:7 Online
Paymentia ym>nz from Cheeking 700?Q0O
4,792.00 904,
90Q,832. 04
.
1
-
Finançe Cbarge G4 0tD, 0D
.2/2C/07
1/37/D8 Phyment -
Line Advance Principal 698, 207.:6 204,832.04
1/0n/38 Regular Payment - Total 250,000 ,00 454,832.04
252,000.00 451,832 . 04
l/o7/0e Effective Date
1/08/08 Payment - Principal 25C, 000.90 204,832.04
l/c7/Q8 iffective Date
1/15/38
1/22/38 Billed
Regular-Paynent
Finance charge 1,634, 84 .
206, 466.:8
1/23/38 Fayment Finance- Iotal
-
Charse
2,634.84
7, 634 .:4
2C6,466 . 88
2Q4,832 .04
1/23/08 Current Inrerest Rate 6.500300% 204, 832 .04
L/22/Q8 Effective Date
1/31/08 Current
-
Interest Rate 6.0CO0QC% 204r 832 .04
- ,/
39/08 Bffectàve Date
2/Q8/08 Line Advance 750/020.00 954, 852,04
2/18/98 Billed - Firance Charge 2,555 93
. 957,407 .97
2/25/08
2/25/C8 Regul
Paymentar Paynlent - Total 2/555.93 957,407 97 N
.
-Flrance Charge 2,555 . 93 954,852 .34
21291Q8
3/16/08 Li ne
Billeâ Auvanqe 35,Q20.00 9891872 04
.
- Finance Charge 4,335.84 994, 207 .88
Firsu American Bark Page 3

P .O ' Box 79:3 Date
Elk Grove Village, IL 60337-7983 Account Xo.
5/25/17
PH# (847) 952-3700
Laurence schneidex
36Q E CQCOLV PALM RD
BDCA RATGN PL 33432-7916
3 19 08 Current Interest Rate 5 . 25C000: 994,207.88

3/18/0: Effective Date
3/24/08
3/24/08 Paymect Fayment
Regular - Total 4,335.84 994, 207.88
3/27/28
- Finance
Line Advanc Chlrge 4,335,84 98:, 872.04
e 127 ,187 .19 1,117,059.23
4/15/08 Billed - Fipnnce Charge 4,657.50 1,121,716.73
4/25/08 Regular Payment - Total 4,657.50 1,121,716.73
4//25/08 Payment - Finqnce Charge 4 , 657 ,50 1,117,059.23
4/30/08 Line Advance -cQ?c2Q.QG 1,217,C79.23
5/15/08 Current Interest Rate 5.00Q000% 1,217,C79.23
5/15/08 Billed - Finance Charge 5/042.04 1,222,121.27
5/21/08 ReFular Payment - Toual 5.042.04 1,222,121.27
5/21/08 Payment - Pirnnce aharge 5,042.04 1,217,079.23
5/30/08 Line Advance 230,02:.:0 1,417,099.23
6/15/08 Billed - Finnnce Charîe 5,634.22 1,422,733.45
6/20/08 Regular Payment - Total 1o,00C.00 1,422/733.45
6/20/08 Payment - Finance Charge 5,634.22 1,417,099.23
6/29/08 Payment - Principal 4,365.78 1,412,733.45
7/15/08 Billed - Finance Charge 5,808.14 1/418,541,59
7/24/08 Regular Payment - Total lC,00Q.oQ 1,418,541.59
7/24/08 Payment - Principal 4,191.86 1,408,541.59
8/06/08 Line Advance 50,020.C0 1/458,561.59
8/17/08 Billed - Finance Charge 6,454.20 1,465,015.79
6/17/08 Billed - Annual Fee 50.C: 1,465,:65.79
e/25/QB Regular Paynent - Total -Q,Q39.C2 1,465,965.79
8/26/08 ?ayment - Finance Charge 6,454.22 1,458,611.59
8/26/C8 Payment - hnnual Fee 50.00 1,458,561.59
:/26/CB Payment - Princapal 3,495.89 1,455,065.79
:/25/06 aeFalar Payment - Total 1O,00Q.0Q 1,460,850.02
:/25/Q8 Payment - Finance Charge 5,784.23 1,455/065.7:
9/25/08 Payment - Principal 4,215.77 1,45Q,853.02
10/09/08 Current Inttreet Rate 4.5Q:000% 1/450,857,02
10/08/08 Xffective Date
10/22/08 ReFalar Payment - Total 5,608.60 1,456,658.62
10/22/08 Paymenc - Finance Charge 5/808.60 1,450,950.02
10/'29/08 Current Interest Rate 4.909320% 1,450,850.02
11/15/08 Billed - Fiuance Iaarge 5,346.28 1,456,196.30
11/21/08 Line Advrnce 40,020,00 1,496/216.30
11/24/08 ReFalar Payment - Total 5,346.28 1/496,216.39
11/24/08 Plyment - Flnance Charge 5,346.28 1,49C,870.22
1.2/15/08 Bllled - Finance Charge 4,720.57 1,495,590.59
12/17/08 Current Interest Rate 3.250020* 1,495,590.59
12/16/08 E'fective Date
First American BarA Page 4

P.O . Box 7983 Date 5/25/:.7
nlk Grcve Village? IZ 60QC7-7983 Accotuut No .
FH# (847) 952-3700
Laurence Schneider
360 E CQCOXJT PALM RD
BQCA RATON FL 33432-7916
12 22 08 Payment - F-nxnce Charge 4,720.57 1,490,870.02

2/16/09 Billed - Finance Charge 4,247.96 1,4:9,233.09
2/17/09 Assess Late Charge 205.76 1,499,233.09
2/23/09 aegular Paymmnt - rotal 4,115.11 1,499,233.09
2/23/99 Payment - Finance Charge 4,115.11 1/495,117.98
2/06/09 Payxent - Finance Charge 4,247.96 1,490,670.02
3/15/09 Billed - Late Charges 205.76 1,494,650.09
3/20/09 Regular Payment - Cotal 3,789,98 1/494,660,00
3/20/09 Payment - Ftnance Charge 3,584.22 1,491/075,78
3/20/09 Fayment - zate Crwarge 205.76 1,497,87:.02
4/15/09 silled - Finance Charge 4,115.21 1,494,9:5.23
4/21/09 Regular Payrent - 7otal 4,115.21 1,494,985.23
4/21/09 Fayment - Finance Càarge 4,115.21 1,490,870.02
5/17/09 silled - Finanre Charge 4,247.95 1,495,117.97
5/21/09 Regular Payment - rotal 4,247.95 1/495,117.97
5/21/09 Payment - Finrlce Charge 4,247.95 1,490,870.02
6/15/09 Billed - Finance Charge 3,849.72 1,494:719.74
6/24/09 Regular Payment - Total 3,849.72 1/494,719.74
6/24/09 Payment - Finanre Charge 3,849.72 1,490,870.02
7/23/09 Regular Payment - Cotal 3,982.46 1,494,852.48
//23/09 Fayment - Finance Charge 3,982.46 1,490,870.02
8/16/09 Billed - Finance Charge 4,247.96 1/495,117.98
8/16/09 Dilled - Annual Pee 5Q.0C 1,495,167.98
8/25/09 Regular Payment - Total 4,297.96 1,4951167.98
8/25/39 Paymcnz - Pinance Charge 4,247.96 1,490/920,Q2
6/25/09 'lyment - M=nual Fee 50.00 1,490,870.02
9/15/09 Billed - Ftnance Charge 3,982.46 1,494,852.48
10/05/09 Regular Payyent - Total 3,982.46 1,494,852.42
10/15/09 Btlled - Finanee Charge 3,:82.46 1/494,552,48
10/26/09 Regular Pabment - Total 3,902.45 1,4:4,852,48
1C/26/09 Payment - Finance Charge 3,9:2,46 1,490,870.C2
11/15/39 Billed - Finance Charge 4,115,21 1,494,985,23
11/23/09 Regular Payment - Total 4,115.21 1,4:4,985.23
11/23/09 Payment - Finance Charge 4,115.21 1/490,870,02
12/15/09 Billed - Ptnance Charge 3,982.46 1,494,852.48
1/12/10 Regular Payyent - Total 3,982,46 1,194,852.48
1/12/10 Paymenr - Finance Charge 3/982.46 1/490,070.02
1/18/10 Billed - Finar-ce Charge 4,513.45 1,495,383.47
1/26/10 Payment - Pir-ante Charge 4,513.45 1,t90,870.02
2/15/10 Billed - FirAnce Charge 3,716.97 1,194,586.59
3/15/10 Billed - Finanae Charge 3,716.96 1,4981303.95
First American Bank

P .o . Box 7983 Page
Date 5
Elk
PH# Grove
(347) Village , IN 60007-79:3 5 25/l7
952-37û0 Areount No .
Laurence Schneider
36O E COCONLX FALM RD
BOCA RATON FL 33432- 7916
3 16 10 Aasess Late Charg

3/18/10 Waive Late Chargee 185 , 85 7,498,303 . 95
3/22/10 Regular Payyent - Total 195.85 1,498, 303.95
3/22/10 Payment - Finance Char 3, 716,96 2/498, 303.95
3/22/10 Regular Payment Total ge 3,716.96 -
- , 494,586.99
3/22/10
-
Payment - Finance Char 3/ 716 .97 1,494 , 586.99
3/22/10 ge
Payment - Finance Charg Q.G1 7, 494,586.98
4/l5/lD Billed - Finance Chargee 3,716.56 1,490,870.02
4/20/10 Regular Phyment - Total 4,1- -5,21 1,494 , 985,23
4/2Q/lD Fayment - Finonce Char 4 /--25.21 1,494 , 985.23
5/16/10 ge
Billed - Ptnance Charge 4,175.21 1, 49Q,87Q.02
5/26/10 Regular Payment rotal 4,115 .21 1,494, 985.23
S/26/C0
-
iayment - Pinanee Char 4, 115 .22 1,494,985 . 23
6/15/1û ge
Bllled - Finance Charge 4,115.27 1, 49Q,870.02
6/28/10 Regular Payment Total 3,982.46 1,494 , 552.48
6/28/10
-
Payment - Finance charg 3, 982 .46 1,494,852 .48
7/15/10 Billed - Finance Charg e 3,982 .46 1,490,870.02
8/Q2/'10 e
Regular Payment - Total 34982.46 1, 494,852.49
3 , 982.46 1,494 , 852,48
8/02/10 Payment - Finance Charge 3,982,46 1,490, 879.02
E./l5/1; Bixled - Finaace Charge
8/15/10 Billed - Amnual Pee 4 ,115 ,21 1 ,494,995,23
9/03/1Q ReFalar Payment Totak
-
5Q .00
4 , 165 ,21
1,495,035 , 23
9/03/10 Payment - Pinance Charge 1,495, 035.27
9/03/10 Payment - Arnual Pee 4,115.21 1,490,920.02
9/15/10 Billed - Firxnce Charge 50.00 1,4:0,:70 . 02
10/:1/10 Regular Plyment Total
-
4,115,21
4, 115.21
1,494, 985.23
l0/'c1/1Q Payment - Flnance Charg 1,4:4,985 . 23
lC/17/l0 Billed - Piunmce Chargee 4,115. 21 1,490,870 , Q2
10/22/10 Regular Payment - Total 4,247.96 1/495, 117.98
4 , 247.96 1,495,117 . 98
lC/22/l0 Payrent - Finance Chsrg
11/15/10 Billed - Finance Chxrgee 4,247.96 1 , 490,870.02
12/02/10 Regular Payment 3,849.71 1 ,494, 719.73
Payment - Finance Total 2 , 849.71
-
12/02/1Q Cha 1,494 , 719,73
l2/l5/lQ 'illed - Finance Charrge 3,849.71 1, 490,870.02
12/24/10 ge
Regular Payment - rotal 3,982.46 1, 494,852.48
12/24/10 Payment - Finance Char 3, 982.46 1,454,852 . 48
1/17/11 aargge
Billed - Finance C' 3,982 . 46 1,490,870. 02
2/15/11 Billed - Finauce Iqarge 4,380. 71 1,495,250. 73
2/16/11 Asseas Late Charge e 3,849.7: 1, 499,100.44
2/24/11 Regular Payment - Total 229.:4
3 , 849 .72
1,499, 100.44
2/24/11 gaymen'
c - Finance char 1, 499,190.44
3/15/11 Billed - Finance raa ge 3,849.71 1, 495,250.73
3/15/11 rge
Billed - Late Charges 3,716.97 1, 498,967.73
3/16/11 Asaess Late Charge 219.04 1/499,186. 74
3/24/11 Regular Paynent - Tocal 792.49
84 316,72
1,499,1$6. 74
3/24/11 Payment - Finance Charg 1,499, 186,74
3/24/11 Payment Finance Char e 531 . QQ 1,493,655 . 74
ge 3,849. 71 1,494,806. :3
First American Bank Fage 6

P.O. Box 7983 Date
Elk Grove Village, IL 6QC07-7983 Accomnt No .
5/25/17
PH# (847) 952-3700
Laurence Schnetder
36Q ; COCONUI PALM RD
BOCA RATON FL 33432-7916
3 24 11 Payment - F nance C arge 3,

3/24/11 P>yment - Laue Charge 716.97
219 . 04
1/4:1,089.06
4/17/11 Bjlled Finance Charge
- 4 / 380.70 1/490,870.02
G/l7/11 Billed - Late Charges 192, 49 1,495,250.72
4/25/11 ReFalar B 1,495,443.21
4/25/11 P ayyent - rotal 4,573.19 1,495,443.21
4/25/11 ayment
Fayment - F'
Inance Charge 4/380. 70 1,491,062,51
-
5/15/11 Late
Billed - FinanceCharge 192,49 1, 430,87Q.Q2 )
5/23/11 Regular Payyent -Chrotal
arge 3,716. 97
3,716.97
1,494,586.99
1, 494,566.99
5/23/11 Payment Tinance Charge
-
3,716. 97
6/15/11 Billed - Finnuce Ca
'arge 4 , 115.21 1,49C,872.Q2
1,494,985 .23
6/27/11 Regrlar Payment - Total 4 115.21 1,494,985 .23
6/27/11
7/17/11 Payment - Finance Charge
Bill 4,, 115.21 1,490,870.22
ed - Pinanee Iqarge 4, 247.96 1,495,117 .98
8/10/11 Regular Payyent - Total 4,247. 96 1 ,495,117 .98
8/lQ/ll
8/15/11 Payment - Finance C'
Bi- narge 4, 247.96 1,49C,870.02
z.ed Finanre Iqarge 3, 84:.71 1 ,494,719 .73
8/15/11 Billed - Amnual Fee 50. 60 1 ,494 ,769 ,73
8/29/11
8/29/11 Regular Payment - rotal
Payment 3,89:.71 144:4/ 769.73
8/29/11 P Pinance Charge
-
3,84: . 71 1,49Q,920.02
ayment - Annual Fee 50. CC 1 ,490,870 .02
8/31/11 Reverse Pyyt-Laue Iaarge 192.49 1,491, Q62 .51
4/25/11 :zfective Dace
8/31/11 Payment - Interest 192. 49 1,491/062 .51
9/15/11 Billed - Pinance Charge 3,922. 98 1 ,494 ,985 ,49
9/22/11
9/22/11 Regular
P Payxent - Total 3,922.98 1, 494,985.49
1 ayment - Finarce Charge 3,922.98 1,4911 062.51
0/16/11 Billed - Finarce Charge 4,115. 74 1,495,178 .25
ll/C4/ll Regular Payment - Total 4,115. 74 1,495 ,178.25
11/04/11
11/15/11 Payment - Finance Charge
Bill 4,125. 74 1,491,062.51
ed - Finance Charge 3, 982.97 1,495 ,045 .46
11/29/11 Regular Payment - Total 4,020. 00 1,495 ,045 .48
11/29/11
11/29/11 Payment - Firmnce Charge
Payl 3,982.97 1/491, 062,51
12/15/--1 er-t - Principal
. 17.Q3 1,491 , 045.48
Billed - Finance Charge 3, 982,95 1,495/028.43
12/20/11 Regular Payment - Total 4?01Q.Q0 1,495, 028 ,43
12/20/11
-
Payment - Finance Charge 3,982.95 1,491, 045 .48
-2/20/11
1/16/12 Payment
Bill - Principal 17.05 1,49Lt Q28.43
ed - Finance Charge 4,248 . 42 1,495/276.85
1/25/12 Regular Payment - Total 4,248.42 1,495/ 276 .85
1/25/12 Payment - Ftnance Charge 4,248.42 1,491/028.43
2/15/12 Billed - Finance Charge 3,982.88 1,495/011 31
.
3/15/12 Btlled - Finance Charge 3,850.12 1/498/861.43
3/16/12 Assess Late Charge 199.14 1,498/861.43
3/22/12 Regular Payment - Total 7,833.00 1,498:861,43
3/22/12 Payment - Finance Charge 3,982.82 1/494/f78.55
3/22/12 Payment - Finance Charge 3,850.12 1,4911C28. 43
Pirst American Bank

Page 7
P.o. Box 7943 Date
E1k Grove Vallage
F ' ? IL 60007-7983 Ac count No .
5/25/17
H# (847) 952-3700
Laurence schneider
36Q E CQCONUT PALM RD
BOCA RA7ON FL 33132-7916
4 15 12 Bille - Pinance C arge 4 115 ,65 1,495/144 . C8

4/15/12 Bille; - Late Charges ,
199
4/18/12 Regular Plyment - QotRl .
4,00û . 7:
14 1/495/343.22
4/18/12 Payment - Finance Charge 4 , 090 ,00 1,495,343.22
4/27/12 Reéular Payment - Total 5, :00.00 1,491,343 . 22
4/27/12 Payment - Finance Charge 115 1,491,343 . 22
4/27/12 Payment - Late Charge 199, 65
, 1,491,227.57
4/27/12 Payment - Principal 4, 14 1,491,028.43
5/02/12 Principal Payment Reversal 685.21
4,685,21
1,486,343.22
1, 491:028.43
4/27/12 Hffective Date
5/15/12 Payment - Znterest 3, 850 .12 1,491,028 . 43
5/15/12 Billed - Finance Charge 132,
5/17/12 Regular Payment Total -
76
835.09
1,491,161.19
1:
5/16/12 Effective Date 491,161.19
5/17/12 Payment - Finance Charge 132.
5/16/12 Effective Date 76 1,491/:28.43
5/17/12 Payment - Principal 7Q2.
5/16/12 Effective D 33 1,490,326.10
6/06/12 Principal P aze
ayment Reversal 702.33 1,491,
5/16/12 Xffective Datc 028.43
6/06/12 Payment - Interest 7Q2.
5/16/12 lffective D 35 1,491,028.43
6/17/12 Billed - ate
6/25/12 Regrlar PaFinance
yment -Charge 3 , 678,83 1,494,707,26
6/25/12 Total
Payment Finmmce Charge 3 ,678 . 03 1,494,707.26
7/15/12
-
Billed Finance Ca'arge 3 , 678.03 1,491/029,23
%1z61k2
-
Regular Payment - Total 3 , 717,36 1,494,746.59
8/06/12 zayment Finance 3,717 .
8/15/12
-
Charge
Billed - Finance Iqarge 3, 717.36 36
1,494,746.59
1,491,Q23.23
4,
8/lS/12 Billed - Annual Fee 115.
50. 65 1,495,144.88
4,165.65
:0 1,495,194.88
1,495 , 194.88
8/31/12 Payment - Finance Charge 4
8/31/12 Payment Annual Fee
-
, 115.65
53 . Q0
1,491/079,23
9/16/:2 Billed - Ftnance 1,491,729.23
9/28/12 Regular Paymen? Charge 4 1248,41 11495,277.64
znmnce Total 4.246 , 41
-
9/28/12 Payment - F' Charg 1,495/277.64
1D/15/l2 Billed Finance Chargee
-
4,248,41
3 1,491,729.23
11/13/12 Regular Pay , 850.12 1,494,879.35
11/13/12 ment
Payment - Fi - Total
nrace Gtarge 3,85Q.
3, 12 1, 494,879.35
11/15/12 Bfiled Ftnrnce Charge
-
4, 850.12 1,491,029.23
11/30/12 Regular F 115.65 1,495,144.88
l1/3Q/l2 Payment -ayl
Filnanc
ent e
- Trtal
Charge 4,115.65
4 1/495,144. 88
12/16/12 Billed Pinance Charge
-
4, 115.
, 65 1,491/029.23
12/27/12 Regular P 115.65 1,495,144.88
12/27/12 Payment -lyment - Total
Finance Charge 4,115.65
4, 1,495,
144,88
1/15/13 Bialed Finance Charge
- 115.65
3,:82 1,4911Q29,23
1/23/13 Regular Paymen: Tctal -
. 89
3,982.89
1,
1
495/012.12
, 495/012 .12
First American Bxnk

P .o . Box 7983 Page 8
Date 5/25/17
;lk
P Grove Vtllage , ZL 63007-7983 Account No '
H# (g47) 952-3705
Laurence Schneider
36Q R COCONUT PALM RD
BCCA RATON FL 33432-7916
1 23 13 Payment - Finxnce Charge 3

2/18/13 Billed - Ftnance rhArge 4,, 982.69 1,491,729 .23
2/27/13 Regular Payment - Total 513.94
4 , 513,94
1/4951543.17
2/27/13 P:yment - Finance Charge 4 1,495,543. 17
3/17/13 Billed - Finance Charge 3 , 513.
, 94 1,4911C29.23
4/01/13 Regular zayment - Total 3, 584 .59 1 /494/613 . 82
4/01/13 Paynent - Finance Chlrge 3, 584.59 1,494,613.82
4/15/13 Billed Finance Charge
-
3, 58 4.59 1/491,C29.23
4/24/13 Regular ?ayment - Total 3 852.13 1,494,879. 36
4/24/13 Payment - Pinance Charge 3, 85C .13 1,494,*79. 36
5/15/13 Billed - Finance Charge 3, 850.13 1,491/C2:. 23
5/24/13 Regular Paymenz Total -
, 98:.:8
3 ,982 .88
1,495,012.11
1, 495,012.11
5/24/13 Payment - Finance Charge 3
6/16/13 Billed - Finance Charge 4,, 982 .E8 1,4911C29 . 23
7/11/13 Regullr V 248.42 1, 495:277.65
7/11/13 P:yment hyment - Total
Finance Charge
-
4,248.42
4 248 .42
1, 495,277.65
1,491 ,C29 .23 ,
7/15/13
7/24/13 Billed
Regular-Paym
FinRnce Charge 3/,85C,12 1,494,E79.35
7/24/13 enl - Total
Payment Pinance 3,
-
Charge 3, :5C.12 1,494,879.35
8/15/13 Billed - Finance Charge 4 , 850.12 1/491:C29.23
8/15/13 Billed Annual 7ee
-
115,
50
65 1,495,144.88
. C0 1,495,194 . 8:
9/c.9/13 Regular Payment Total -
4 ,165 .65
9/C9/l3 Payment - Firance Charge 4, 115.65 1,495/194.88
9/2:/13 Payrent Arm ual Fee
-
50. 1,491,C79.23
9/15/13 Binx- ed - Finance Charge 1, 115.0: 1,491,C29.23
8/24/13 Regular Payment 65 1,495,14:$.88
P/yment Finanae Total 4 ,115 , 65
-
3/24/13 - Charge 4 / 115 .65 1,495,144.88
10/15/13 Billed - Finance Charge 3 1 ,491,029 . 23
ll/Q6/l3 Regular P , 9:2.89 1,495,012.12
11/06/13 Payment aynent - Total
Finance Charge
-
3,982 . 89
3 , 982.89 1/495,012,12
11/17/13 Billed Ftnance 1,491/029.23
ReFalar Parnert Charge 4,
-
11/26/13 Total
-
381.17
4,381.17
1, 495,410.40
1,495,
11/26/13 Payment - Pinance Charge 4 410.40
12/15/13 Billed - Finance Charge 3, 3:1,
, 17 1,491,029.23
-
- /0
717.36 1,494,746,59
3/14
1/03/14
Regular Payment - Total
Paymeut Finance Charge
3,
-
3 717.36 1,494,716.59
1/15/14 Billed - Finance Charge 4 , 717.36
, 1,491,029,23
2/::/14 Regular Payment Total -
115,65
4,115.65
1,495,144.88
1,495/244
2/17/14 Payment - Finance Charge 4 88
.

-
4 1115.65
, 1,491,029.23
3:1.18
4,381.
18 1:495,410.11
1,495, 410.41
3/04/14 Payment - Finmnce Charge 4
3/16/14 Bille; Finance Charge
-
3, 381.18
, 1,4914029.23
3/26/14 Regullr Paymenl 504.5: 1,494,613.82
Payment - Finance Total 3,5:4.5: 1/494,613 . 82
-
3/26/14 Charge 3
4/15/14 Btlled Finance Charge
-
3 581.59
, 1,491,Q29.23
#l%%lk* Regular Payment - Total , 922.89 1,495
3,9:2.89
1/495,012.12
, Q12.12
First American Bank

7.0 , Box 7983 Page 9
E1k Grove Village, IL Date 5/25/17
60:77-7983 Aceount No.
PH# (847) 952-3709
Laurence Schneider
36Q E COCONUT P>JA RD
BOCA RAUDN FL 33432-7915
4 28 14 F:yment - F nance Charge 3

5/15/14 zilled - Finanee charge 3,, 952.89 1,491,029 . 23
6/:2/1: Regular Payment rotal - ::2.89
3:9:2.89 1,495,012.12
1
6/02/14 iayment - Finance Charge 3, 982.89 ,495,D12.12
1,491/029. 23
6/15/14 gilled - Finence Charge 4 115 .65 1,495,144 .
6/26/14
6/26/14
Regular Faymgnt - rotal
Faynent - Finance Charge
4/,11:. 6: 1,495,144,::
88
4 ,115.65 1,491:329 .
7/15/14 Billed - Finaace Charge 3, 23
%IkXIk4 Regular Paymert - Total
-
:::.:8
3,982.86 1,495/:12.11
1
8/11/14 Paymert - Pirance charge 3 , 495,312. 11
- 4, 982.88
, 1,491r92:.23
8/17/14 Billed Arm ual Fee
- 38 1.18
50 1,495,11C.41
9/2:/14 Regular Payment - Total .
4,:31.1: 0C 1, 495,46:.41
1,
n1291X4 Payment - Finance Charge 4 495,46C.41
8/29/14 Payment >mmual Fee
-
, 381.
50 .18 1,491,079.23
9/15/14 Billed - Pinance Charg 0C 1,491,029.23
91291k4 Regular Payment Totale - 3,35û.12
3,:::.12 1,494,879.35
1,494
j/29/14 Payment - Finance Charge 3 , 879.35
-
/
3,
850.12 1,491,029.22
11/Q:/14 Regular Payment Total - 982,::
34982.89 1,
1, 495,012,12
11/03/14 Payment - Finauce Charge 3 495,012.12
-
4/ 982,:9
, 1,491,029.23
lR/Q:/14 ReFalar Payment Total - 248.41
4,248. 41 1,
1, 495,277,64
1:/08/14 Payment - FinAnce Charge 4/ 495,277.64
12/15/14 Dilled Finance Charge
-
3/ 248.41 1,491/029,23
1/:7/15 Regular Payment Total -
852.12
3,850.12
1, 494/879,35
1,494,879.35
1/G7/15 Payment - Finance Charge 3
:/15/15 Billed Finance Charge
-
4 , 850.12
, 1,491,029.23
1/3: is Regular Taymenz - Total 115.65
44115.
1,495,144.88
tln- P.yment - Finance Charge 4, 65 1,4953144.88
- 4, :16. 65 1,491,029.23
zl.%61X% Regular Payment - 24:.11 1,495,277.64
3/C6/15 Pa Total 4::4:.41 1,495,277.64
3/15/15 yment - Pinance Charge
Billed 4,
4/15/15 Finance Charge
-
Billed - Finance 3, 249.
581.
11
60
1,491/029.23
1,494,613.e3
Charge 4
1/16/15 Current Interest Rate 3, 115.65 1,4981729 48
.
4/15/15 Rffective Date .

253000% 1,498,729.48
4/16/15
5/15/15 Billed Late
Assess Charge 179. 231,498,729.48
Late Charges
-
179 .
- 23
4,218 .41
1,498,9Q8.71
5/18/15 Current Interesz Rat 1,503,157.12
5/15/15 iffective Date
e 3.2590û0: 1,503,157.12
5/1:/15
5/2:/*5 Assegs
RegularLate Charge
Payment Wire Trana 205
78 ,
1,50 3,157.12
5/28/15 Plyment Finance Charge
-
7,7:0.25 1, 503,157.12
- 3,
5/28/15 Payment Fïrance Charge
-
4 ,564.63 1,499,572.52
6/14/15 Regular Payment - Total 115.65
4,4:7.64
1/
1
495,456.57
,495,456.87
7srst American 3ank Page

7 .0 . Box 7983 10
alk Grove Village, CL 60007-7983 Date 5/25/17
Acco'ant No.
PH# (847) 952-3700
Laurence Scbnefder
36G E CQCONUD 2AL>1 RD
BOCA RATON BL 33432-7916
6 10 15 Payxent - F-'nance Charge 4,248 .41

6/17/15 Payment - late Charge 179 . 23 1,491,29*,46
6/15/15 Billed - Late Charges 205. 1,191/029 . 23
6/15/15 Billed - Finance Char 78 1,491,235.02
6/16/15 Current Interest Rltege 3,850.13
3 1,495,085. 14
6/15/15 Rffecti . 257:::% 1,495/085.14
6/2:/15 R ve Date
everse
6710/15Pymt-Late
a''eeti Iharge 179. 23 1,495,264.37
6/29/15 Reverse Bill-Late ve Date
s/l5/l5 EffectiveCr
-
arge
Date
179.23 1,495,085.14
6/29/15 Reverae Bill-Late Charge 205.
6/15/15 Effect've D 78 1,494,879.36
6/29/15 Waive Late Char e ate 179.
4/-- 6/15 Effect ve Date
23 1,494,879.36
6/29/15 Waive Late Char e 205.
5/18/15 Effectrze Date 78 1,494,879.36
7/15/15
7 Bllled - Finance Charge 34 :82.:6 1,498,862.22
/1:/15
.
7/15/15 Regular
Payment Payne nt - Wire Traua 4,:55.91 1,498,862.22
7/15/15
-
Flnance
Fayment Principa) Charge 3,850. 13 1,495,012.09
- 205.
7/16/15 Current Interest Rate 7:
3 .250000%
1, 494,806.31
1, 194,806.31
7/15/15 Sffective Date
7/2:/15
8/14/15 Billed Annual
Assess Fee 50. 00 1,494,806.31
Billed - PtnanceFee
Anmual 50 . 00 1,494,856.31
-
8/14/15 Charge 4 . 247.83 1,499,104,14
8/17/15 Current Inter
est
8/14/15 affective Rate
Date 3.250000: 1, 499,104,14
8/17/15
8/28/15 Aasesg Laze Chnrge
*, 189, 14 1,499,104.14
.
4*- KAweAo* - Wir. TYxnsfer 4/ 297.83 1,5C3,401 . 97
8/3l/1S Friucipal Debit Reveraal 4
8/28/15 Effective Date , 297.83 1,499,104.14
8/31/15 Regular
8/28/15elyxent
affe - Wire Trans 4, 297.83 1,499,104.14
ctive Date
8/31/15 Payment - Intqrest 1,46Q.19 1,499,104.14
8/28/15 Effpctive Date
:/31/15 Payment - Principal 2, 837.64 1,496,266.50
8/28/15 Effective Dato
9/15/15
9/15/15 Billed - Late
Billed CbArges 199. 14 1,496,465.64
9/16/15
-
Finance
Current Inter Charge 2 , 517.34 1,498,902.98
eat Rate
9/15/15 Effective Date 3.2500$0% 1,498,982. 98
9/16/15 Reverse Payment-lntereat 1, 460.19 1,498,982.98
8/28/15 Effective Date
9/16/15 Reverse Payment-principal 2, 837.64 1/501,820.62
9/16/15
9/17/13 RegularLate
RBsess Charge 212. 39 1,501,822.62
Payment - Total
8/28/15 Effective 4,297.83 1 , 501,820,62
Dace
First American Bank

Page 11
P.O. Box 79j3
Elk Grove Village Date 5/25/17
, IL 63037-7983 Account No .
FS# (:47) 952-3700
Laurence Schnelder
36Q E COCDNUT PALM RD
9 1 1: #aC t - Fznance Charge 3

:/:8/15 lffective Date , 982.:6 1,497,817.76
9/17/15 Payment - Finance Charge 314.
8/28/15 iffecrive Dat 97 1,497/522.79
- e 2, 128,71
9/18/15 Reveree Bill Late Charge
-
199 .14
1,499,651.50
:/15/15 Rffeeti 1,499,452.36
9/18/15 Waive Late Chargeve Date 2-
9/16/15 Effective DaLe 2.39 1,499,452.36
-
9/18/15 Waive Late Charge 19:.

8/17/15 Effective Date 14 1,4R9,452.36
9/21/15 Current Interest Rare 3.
:/18/15 iztectp 25Q32Q% 1,4:9,452.35
9/30/15 P ve Data
lc/01/lS aynent-
Pti /rixri
neipal Paynpal pa -Fi 3,:77.53 1,4:5,474.83
enu Reversal
9/30/15 Rffective Date 3,977.53 1,499, 452.36
1c/:*/15 Regular
9/30/15Payment v- Total
Bffecti 3, 977.53 1,499,452.36
e Date
l0/01/C5 Payment - Finance Charge 3,
9/30/15 Bffective Date 572.86 1,495,519.50
10/91/15 Payment
:/3Q/15-Zff
Ann
-ual Fee 44. 67 1/495,474.83
ective Date
10/01/15 Regular Payment - Total 5.
9/30/15 E'feative Date 33 1,495,474.83
10/01/15 Payment - Irnlaal Fee 5.
9/30/15 Ecfective Date 33 1,4951469.5Q
10/16/15 Billed - Late Charges 106.
10/16/15 silled Pinance Charge
- 3, 44 1,495,575.94
10/26/15 Assess Date Ch 716.85 1,499,392,79
10/19/15 Current Interest
arge 106.44 1,499,092.79
1Q/l6/l5 EffectiveRate
Date
3.
25C00:% 1,499,292.79
1Q/l9/'l5 Assess Late Charge 1:6.
1:/3:/15 Regular Payment 4,646 ,44 1,499,292.79
Payment - Finance Wàre Trans
-
10/3:/15 Charge 2,517 05 1,499,292.79
lC/30/15 Payment - Finrnce Charge . 34 14496,775.45
2,128 . 71 1?
11/16/15 Assess Llte Ch 494,646.74
11/18/15 Billed arge 185.84 1/494,646.74
Pilled Late Chargea 185.84 1, 494,832.58
-
11/18/15
zilled - Late
-
11/18/15 Charges 106.
1l/1S/l5 FinAnce
Current Znterest RCharge 4/115. 44
98
1,494,939.02
1,499/054.10
11/18/15 Effectiveate
Dlte 3.250000% 1,499,054 10 .
11/27/15
11/27/15 Regular Payment - Wtre
PayRent - Finmnce ChargeTrans 4,5Q0.:0 1,499/054.19
.
11/27/15 Payment - Late Charge 3, 716.85 1,495/237.25

11/27/15 Fayment - Finooce Charge 1Q6.
12/15/15 Dilled - Ftnrnce Charge 676 14 1,498,23Q.81
3,584 . 10 1,494,
71 1, 554.10
.
12/16/15 Curreat Interest Rate 3

4:8,138.20
. 250002% 1,498,138.2:
12/15/15 Rffective Date
First American Bank Page

P.D , 3ox 7983 12
Date 5/25/17
Elk Grove Village, ZL 600:7-7983 Aeeount No .
PH# (847) 952-3700
Laurence Schnetder
360 E CQCONCT PALM RD
BOCA M TON BL, 33432-7915
12 16 IS Aases: Late Charge 191 .

12/17/15 Current Interest Rate 3.5002C0%
92 1,498,138.20
1,4:8,
&lk*lX6 Regular Payment Wlre Trans
-
4,8::.Q: 138.20
1 ,498,138.
1/14/16 Payment - Finrnce Charge 3, 438.37 2C
1/14/16 Payment - Late 1,494,699.83
1/14/16 Payment - Late Charge
Charge
1Q6 . 44
185.84
1,494,593.39
1,494,407.55
1/14/16 Payment - Finance Charge 1, 069,35
1/15/16 Billed - Late Charges 171. 92
1/493,338.20
1/15/16 Billed - Finance Caarge 4, 843.25
1,493,510.12
1/19/16 Current Interest Rate 3 . 5Q3Q:2% 1/498,353.37
1,498,353.37
1/15/16 Effectàve Daze
1/19/16
klgYlk6 Assess
RegularLate rharge
Paymeut 125 74
.
1/498,353.37
Payment Finance Wire Trans 4.50:..40 1, 498,353.37
-
1/25/16 -
Charge 2, 514.75
1/25/16 Paym 1,495,838.62
2/12/16 Billent - FirAnce Ckarge
ed - Late Charges
1, 985.25
125 .
1,493,853.37
2/12/16 Billed - Pinnmce Charge 3/991 . 74 1,493/979.11
2/16/16 Current Inte reatveRate
83 1,497,970.94
3.500009% 1,497/ 970,94
2/12/16 Effecti Date
2tï6lX6
2/17/16 Aasesa Late
Rogular Charge
Paymont 142. 90 1,497,970,94
- Wire Trans 4:5QQ.Q0 1,
2/17/16 Payment - 497,970.94
2/17/16 Payment - Finance Charge 2 , 858.33 1,495, 112,94
2/17/16 Late Charge
Payment - Finance 171.92 1/494 , 941.02
3/-*5/16 Charge 1, 470.08 1,497,470.94
3/--5/16 Billed - Late Chargea 142. 99 1,493,613,84
3/15/16 Billed
Regular-zaFinmmce
yment - Ch6rge 4, 134,21 1, 497,748.:5
3/'lS/l6 Payment - Finance Wire Trans
Charge
4#5QQ.QQ 1,497 / 748.C5
2, 521.75 1/495,226,30
3/15/-
3/15/-66 Payment - Late Charge 125.
-
-
3/16/16 Payment
Curr - Principal 1: 852,7451
1,495,1C0.56
1,493,248.05
ert Interest Rate 3 . 500000% 1,493,248 .05
3/15/16 Effectivc rate
4/:6/16
4/26/16 Regular
Payment Payment - Wire Trans 4, 5:0.00 1,493,248.05
4/:6/16 - Finance Charge
Payment - Late Charge 4 , 134.21 1,489,113.84
4/06/16 Payment 142 . 90 1,488,970.94
4/15/16
-
Principal
Billed - Finance 222 .89 1,488,748,05
4/1:/16 Charse
Current Interest Rate 4, 698.54 1,4931446.59
3 . 5000Q0% 1,493,446 .59
4/15/16 Affective Date
4/22/16
5/13/16 Aesess Loan zxpense Fee
Bill 46, 149.17 1,493,446.59
5/16/16 Curred - FinArce Charge
ent Interest Rate
3, 986.27
3
1,497,432.86
. 50320G% 1/497,432,86
5/13/16 Effertive Date
5/16/16
6/15/16 Assess
Billed Lat e Charge 231, 93 1,497,432,86
6/15/16 - Late Charges
Billed - Finance 234 . 93 1,497,667.79
6/16/16 C lharge 4 , 413,76 17502,081.15
urrent Interest Rate 3 . 50000Q% 1,502,Q81.15
6/15/26 Effectlve Date
Fir:t American Bank Page 13

F .O . Box 7983 Date
?lk Grove Village, IL 6GQ07-7983 A czount No . 5/25417
PH# (847) :52-3700
Laurence Schneider
360 E COCONUT PALM RD
6 16 16
7/15/16 Assess Late Charge
Bill 199 . 311,502,781,15
7/15/16 silled - Late Charges
ed - Finance Charge
199. 31
4,555.73
1,502, 280.46
1, 506,836.19
7/18/16 Current Znterest Rate 3.500000% 1,506, 836 .19
7/15/16 Rffective Date
7/18/16
7/28/16 Asaess Late
Assess Charge
Annual Fe 220.67 1,506, 836.19
e 50 .00 1/536,836 .19
8/lB/16
8/15/16 Billed
ailled -- Late Charges 220.67 1,507, 056.86
8/15/16 Billed MYnual
-
Finance
Fee
Charge
50.00 1,507, -- :6.86
44128.64 1, 511,235.50
8/16/16 Currert Interest Rate 3.500000% 1,511, 235 .50
8/16/16
j/Q7/l6 A*@*** Lwt. R
AssesB Lean e 7*:665.19 1,511, 235.50
xpenee Fee 13/974.98 1,511,235.50
9/15/16 ailled - Lare Charges 74,665.19 1,585, 900 .69
9/l5/lG Billed - Finnnce Charge 4,413.36 1,590, 314 .05
9/16/16 Current Interest Rate 3.500000% 1, 590,314 .:5
9/16/16 Assess Late Kharge 2Q6.43 1,590, 314 .35
10/05/-
-6 Assess Loan Expense Fee 17,034.77 1, 590/314 .05
10/14/16 Billed - Late Ca'argoa 206.43 1,590, 520 .4e
lQ/l4/16 Billed - Finance Charge 4,413.37 1, 594 ,933 .85
13/17/16 Current Interesr Rate 3.50000C% 1,594/933. 85
1G/14/16 Effective Date
10/17/16 Asseas Late Charge 220.67 1:5941 933 .85
1:/20/16 Reverse Bill-bate Charge 74,665.19 1,520,268. 66
10/20/16 Waive LaLe Charge 74,665,19 1,520,268. 66
7l/Qa/l6 Aaseas Loan Expenae Fee 1,998.27 1,520/268. 66
11/15/16 Billed - Late Chargea 220.67 1,520/ 489,33
11/15/16 Billed - Finance Charge 4,270,99 1,524, 76Q .32
11/16/16 Current Interest Rate 3.500000% 1,524, 760 .32
11/16/16 Aasesa Late Charge 220,67 1,5241760.32
11/30/16 Assesa Loan axpense Fee 30/248.56 1,524/760.32
12/14/16 Aysess Loan Expense Fee 16,507,06 1,524,760. 32
12/15/16 B'
alled - Late Charges 220.67 1,524,980. 99
12/15/16 Billed - Finance Charge 4,271.00 1,529, 251 .99
12/16/16 Qurrent Zlterest Rate 3.5Q0QQQ% 1,529,251.99
12/15/16 Bffective Date
12/16/16 Current Interest Rate 3.750000: 1,529,251.99
12/15/16 lffecttve Date
12/16/16 Assess Late Charge 213.55 1,529,251.99
1/34/17 Ajsess Loan Expenee Fee 20,722.76 1,529,251.99
1/13/17 s'
qlled - Late Charge, 213,55 1,529,465.54
1/13/17 silled - Finnnce Charge 4,897.99 1,534,363.53
First American Bnnk Page

J.D. Box 7983 14
Date
Blk Grove Village/ 71 60007-7983 Account No.
PH# (847) 952-3700
Laurence Schneider
36O E COCOKY T PALM RD
BOCA RAIDN FL 33432-7:16
l 17 17 Current Interest Rate 3

1/13/77 Effective Dat . 752:00% 1,534,363.53
1/-7/17
- Asaess Late Charge e 213. 55
l/li/l7 Asseag Loan Rxpen6e Fee 1,534,363 . 53
25. 00
2/1Q/17 Aseess Loan Cxpense Pee 14534,363
23, 069,12 1,534,363 .53
2/15/17 silled - Late Charges 2:3 .53
2/15/17 Billed - Finance charge 4, 586.. 55

61
1/534 ,577 . 08
1,539,165. 69
2/'16/17 Current Intereet Rate 3.
2/15/17 Effective Date 75Q000% 1,539,155 , 59
2/-
-6/17 Aasess Late Charge 244. 99 1 ,539,165 . 69
3/06/17 Asaeaa Loan Eypense Fee 25 174.
3/15/17 Billed - Late Charges ,
244. 40
90
1,539,165 .69
1,539,112 .
3/15/17 Billed - Finance Charge 4, 282 .70 1,543 /693 . 59
3/16/17 Current Intereat Rate 39 75Q020% 1/543,693 . 29
3/15/17 Effective Date 29
3/16/17 Assesl Late Charge 229.
3/17/17 Current Interesl z Rate 43 1?543,693.29
4 .0003C0% 1 ,543,693 .
3/16/17 Effective Date 29
4/C6/17 Assesa Loan axpense Fee 12, 708.10 -,543,693 . 29
4/14/17 Billed - Late Charges 229.
4/li/17 Billed - Finance Charg 43 1,543,922.72
4/17/17 Current Interest Rate e 5,220.81
4. 000000% 1,549,143 . 53
1,5491143
4,/14/17 affective Date . 53
4/17/17 Asaess Late Charge 214.
4/21/17 Aasess Loan Expense F 14 1,549,143.53
5/15/17 Billed - Late Chargesee 41 ,516
214.27 1,549 , 143,53
5/15/17 Billed - Finance Cha . 14 1,549,357.67
rge 4,731,36 1,554 ,
5/16/17 Current Interest Rate 4 . 000000% 089.03
1,554,089 . 03
5/16/17 Assess Zate Charge 261 C4 1,554 ,089 . 03
5/18/17 Asaess Loan Expense Pee 28, 836 ..27 1 ,554,089. 03
5/18/27 Assess Zoan Expense Pee 4 699.20 1,554,089, 03
5/18/-
-7 Waive Expensed Lomn Fee ,
25,
1/18/17 Effective Date 00 1,554,089.03
5/24/17 Miac Frincipal CreGit 192,
B/3l/21 Sffecttve Date 49 1,553,896.54
5/24/17 Mi/c Princtpal Credit 0.
6/25/12 affectiye Date 80 1,553/855,
'
74

Complaint (D.E. 1-SCH V FAB-17-80728-S.D.F.L.) June 13, 2017

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Complaint (D.E. 1-SCH V FAB-17-80728-S.D.F.L.) June 13, 2017

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Case 9:17-cv-80728-DMM Document 1 Entered on FLSD Docket 06/13/2017 Page 1 of 25

Plaintiff PLAINTIFF'S COM PLAINT FOR:

1. VIOLATION O F THE FAIR

Thisaction arisesoutofDefendant'sfailuretoprovide financialservicesand debtcollection

ofaprcelofrealproperty(hereinafter:çsubjectProperty'')locatedinPalm Beach County

Defendant FAB is an lllinois bnnking corporation conducting business in Palm Beach

County,Florida,w ith itsprincipalplaceofbusinessin E1k GroveVillage, Illinois.

between citizensofdifferentstates (Plaintiffisa citizen ofFlorida and Defendantisa

ALLEGATIONS COM M ON TO ALL CLAIM S

Execution ofH ELOC on SubiectPropertv

9. On July 26,2006,Plaintiffand Stephanie L. SchneiderpurchasedtheSubjectPropertyat

issuewith cashandacashier'scheck for$1,427,471,19 to serveastheirprincipalresidence .

amountof$1,500,000.00ontheSubjectProperty.A copyoftheHELOC isattachedhereto

elementsofthehom e,along with landscaping andrequired code upgrades.

in M arch 2006,valuingthehom eat$2,000,000.00.

received within 15 daysafterthe ''Paym entduedate''on the periodic statement.

15. Thewrittenterm softheHELOC donotspecifyafixeddayofthemonthby whichpayment

daily in accordancewith the ''dailybalancem ethod.''

Thewritten termsofthe HELOC,in relevantpart, do notdefinenew advancesto include

paymentsby thetsrstofeverym onth,which includedinterestcalculatedup tothe 15th day

Bank ofCoralG ables'M ereer w ith FAB

between them onthsofNovemberand Decemberof2014.

20. FAB hasnotprovided evidenceto Plaintiffthatam ergerwith the Bank ofCoralGables

includedan assignmentand/ortrr sferandvestedrighttotheSubjectPropertyàtissueor

Plaintiffsfirstcontactfrom FAB wasby telephone in M ay 2015, in which FAB advised

hadsentnotificationofloantransfer(RESPA Letter)and statementstoanincompletepost

Plaintiffadvised FAB thatallincorrectm ailwould notnecessarily be fonvarded and that

hehadnotyetreceived any such forwarded mailfrom FAB .

26. On M ay 28,2015,Plaintiffreceived wire instructions forthe M ay 1, 2015 and April 1,

2015 paym ents from FA B representatives.

27. Plaintiffrequested verification ofthe accountnum berbecause there wasno pre-existing

accountor loan num berw ith FA B .

28. FAB advised Plaintiffto continueusing theBank ofCoralGablesaccountnumberand his

nnm e foridentitk ation forw ire paym entpurposes.

PlaintiffM adeTim elv Pavm entson theHELOC

29. O n M ay 28,2015,PlaintiffsenthisA pril1, 2015 and M ay 1,2015 paym ents by w ire.

30. On M ay 29,2015,upon request,FAB contirmed receiptofpaym ents thatwere due on

April1,2015 and M ay 1,2015.

On June 1,2015,Plaintiffwrote to FA B , advising thathe had notreceived an invoicefor

2015 paym ent.

responseandadvisedthattheamountduefortheJune 1,2015paym entwas$4,42764.M r. .

Kielbasarequested confirmation ofreceiptoftheJuly 1, 2015 statem ent.

FA B'S M isrepresentations and M isappropriations

33. On June 5,2015,JenniferAnderson,VicePresidentatFirstAmerican Bank sentPlaintiff

a letterwhich acknowledged thatFAB'Sclericalerrors oceurred dlzringthe recentm erger

with Bank of CoralGables.FAB sent confinnation that it had erroneously printed an

incorrectbilling addressand due to FAB'Sclericalerror, Plaintiff s paym ents were Gnot

fileto satisfactory status.'' M s.Anderson provided thePlaintiffthennme, address,phone

ofthe June5,2015 Letterfrom Jerm iferAnderson isattached herewith asExhibitB to the

FAB'Scleriealerroroccun'ed during itsm ergerwith the Bank ofCoralGables, and FA B

assured Plaintiffthatthe delinquenciesreported in A pril2015 with al1three creditbureaus

would be imm ediately corrected.

w ith the expressterm softhe HELO C .

37. FAB,however,continued to calculate accrued intereston the outstanding balance, which

includedthelatefees,even thoughthelatefeeswererepresented to Plaintiffashavingbeen

38. On June8,2015,Plaintiffreaffirm edtoFAB thatpaymentfortheperiodicbillingdueJune

1,2015,w asim m ediately m ade on June 5,2015,as instructed.

40. On thesam eday,Plaintiffsentawritten requestfortheyearto datecharge/paym enthistory

Loan Relationship M anageratFAB, that he w as continuing to be billed for late charges

problem sPlaintiffwasencounteringwith hisaccotmt.

awrongbilling addresswhich delayed Plaintiffsreceiptofm onthly statem ents, and made

yetanotherwritten demand forcopiesofthenote, m ortgage,and the yearto date paym ent

history in an attemptto reconcileinterestcharged and outstanding balance to date.