03-09-20 Regular Commission meeting Speaker forms/ HandoutsWELCOME
To the Atlantic Beach City Commission Meeting
We will conduct meetings of the City Commission with a level of civility and respect that the democratic process
deserves. This allows for better public input and supports making the best decisions for the citizens who we are here
to serve. We ask that everyone in the meeting practice the following principles of Respect for each other.
RESPECT
Refrain from putdowns, criticism and personal attacks.
Encourage others to state their views.
Support each other, even if you don't agree.
Practice active listening.
Express yourself assertively, not aggressively, not submissively.
Collaborate, do not compete or collude.
Trust each other, unless and until such trust is violated.
SPEAKER REQUEST FORM
vZd 1 u < (QDate: G.rC , Name:
Please Note: Florida has a very broad Public Records Law. Most written and recorded
communications to or from State and Local Officials and agencies regarding State or Local business
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Address: OC 1 City: k ,/\
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51/Atlantic Beach Resident Atlantic Beach Property Owner 0 Atlantic Beach Business Owner
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I wish to address the Commission during Courtesy of the Floor on: (1,16}— S U f
Agenda Item No.
and/or
Topic not on the agenda:
thg
I wish to address the Commission during the Public Hearing for Agenda Item No.
I am in support of the above agenda item. I am opposed to the above agenda item.
I do not wish to address the Commission, but I am in support of agenda item
I do not wish to address the Commission, but I am opposed to agenda item
WELCOME
To the Atlantic Beach City Commission Meeting
We will conduct meetings of the City Commission with a level of civility and respect that the democratic process
deserves. This allows for better public input and supports making the best decisions for the citizens who we are here
to serve. We ask that everyone in the meeting practice the following principles of Respect for each other.
o
RESPECT
Refrain from putdowns, criticism and personal attacks.
Encourage others to state their views.
Support each other, even if you don't agree.
Practice active listening.
Express yourself assertively, not aggressively, not submissively.
Collaborate, do not compete or collude.
Trust each other, unless and until such trust is violated.
Date:
SPEAKER REQUEST FORM
Name:
Please Note: Florida has a very broad Public Records Law. Most written and recorded
communications to or from State and Local Officials and agencies regarding State or Local business
are public records available to the public and media upon request.
PROVIDING YOUR CONTACT INFORMATION BELOW IS OPTIONAL:
City: i " Address: 3 3 a -
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Atlantic Beach Resident 0 Atlantic Beach Property Owner 0 Atlantic Beach Business Owner
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I wish to address the Commission during Courtesy of the Floor on:
Act, Q Agenda Item No.
and/or
Topic not on the agenda:
L I wish to address the Commission during the Public Hearing for Agenda Item No.
I am in support of the above agenda item. 1 am opposed to the above agenda item.
I do not wish to address the Commission, but I am in support of agenda item
I do not wish to address the Commission, but I am opposed to agenda item
WELCOME CO F
To the Atlantic Beach City Commission Meeting
We will conduct meetings of the City Commission with a level of civility and respect that the democratic process
deserves. This allows for better public input and supports making the best decisions for the citizens who we are here
to serve. We ask that everyone in the meeting practice the following principles of Respect for each other.
RESPECT
Refrain from putdowns, criticism and personal attacks.
Encourage others to state their views.
Support each other, even if you don't agree.
Practice active listening.
Express yourself assertively, not aggressively, not submissively.
Collaborate, do not compete or collude.
Trust each other, unless and until such trust is violated.
Date: 3 i g
Please Note: Florida has a very broad Public Records Law. Most written and recorded
communications to or from State and Local Officials and agencies regarding State or Local business
are public records available to the public and media upon request.
PROVIDING YOUR CONTACT INFORMATION BELOW IS OPTIONAL:
Address: 36 SF- City: A
SPEAKER REQUEST FORM
4 Sore hName:
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Atlantic Beach Resident 0 Atlantic Beach Property Owner 0 Atlantic Beach Business Owner
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X1 wish to address the Commission during Courtesy of the Floor on:
Agenda Item No.
and/or
o Topic not on the agenda:
o I wish to address the Commission during the Public Hearing for Agenda Item No.
o I am in support of the above agenda item. o I am opposed to the above agenda item.
o 1 do not wish to address the Commission, but I am in support of agenda item
o I do not wish to address the Commission, but I am opposed to agenda item
WELCOME
To the Atlantic Beach City Commission Meeting
CAF 3
10 PH
We will conduct meetings of the City Commission with a level of civility and respect that the democratic process
deserves. This allows for better public input and supports making the best decisions for the citizens who we are here
to serve. We ask that everyone in the meeting practice the following principles of Respect for each other.
RESPECT
Refrain from putdowns, criticism and personal attacks.
Encourage others to state their views.
Support each other, even if you don't agree.
Practice active listening.
Express yourself assertively, not aggressively, not submissively.
Collaborate, do not compete or collude.
Trust each other, unless and until such trust is violated.
Date:
SPEAKER REQUEST FORM i ba+,u cetioi
31 \ 2ZZ0 Name:Pei OQvIli MocuvI
Please Note: Florida has a very broad Public Records Law. Most written and recorded
communications to or from State and Local Officials and agencies regarding State or Local business
are public records available to the public and media upon request.
PROVIDING YOUR (
c1
CONTACT INFORMATION BELOW IS OPTIONAL:
r ,,
Address: J?',e1aCk)City: Mad LQ V' I ,
Phone No.: 01/0t"i V J 7- E-mail: ( ni .t/t%.Y), d in . t
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Atlantic Beach Resident
V
0 Atlantic Beach Property Owner 0 Atlantic Beach Business Owner
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4)I wish to address the Commissi n dyin Courtesy of the Floor on:
Agenda Item No. 9 (
VO
and/or
o Topic not on the agenda:
to address the Commission during the Public Hearing for Agenda Item No.
in support of the above agenda item. I am opposed to the above agenda item.
I do not wish to address the Commission, but I am in support of agenda item
I do not wish to address the Commission, but I am opposed to agenda item
WELCOME
To the Atlantic Beach City Commission Meeting
We will conduct meetings of the City Commission with a level of civility and respect that the democratic process
deserves. This allows for better public input and supports making the best decisions for the citizens who we are here
to serve. We ask that everyone in the meeting practice the following principles of Respect for each other.
RESPECT
Refrain from putdowns, criticism and personal attacks.
Encourage others to state their views.
Support each other, even if you don't agree.
Practice active listening.
Express yourself assertively, not aggressively, not submissively.
Collaborate, do not compete or collude.
Trust each other, unless and until such trust is violated.
SPEAKER REQUEST FORM
Date: 1 /7imO Name: TAY\ V Op aef\i!
Please Note: Florida has a very broad Public Records Law. Most written and recorded
communications to or from State and Local Officials and agencies regarding State or Local business
are public records available to the public and media upon request.
PROVIDING YOUR CONTACT INFORMATION BELOW IS OPTIONAL:
Address: Z"t \ St C,6 GN Dr NeCity: --Pcwoks\L (2e,f/Le,le,
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J
PLEASE CHECK ALL THAT APPLY: (OPTIONAL)
Atlantic Beach Resident 0 Atlantic Beach Property Owner 0 Atlantic Beach Business Owner
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to address the Commission during Courtes of the Floor on:
Agenda Item No. C , 4fil
d/or
Topic not on the agenda:
I wish to address the Commission during the Public Hearing for Agenda Item No.
I am in support of the above agenda item. I am opposed to the above agenda item.
I do not wish to address the Commission, but I am in support of agenda item
I do not wish to address the Commission, but I am opposed to agenda item
WELCOME
To the Atlantic Beach City Commission Meeting
We will conduct meetings of the City Commission with a level of civility and respect that the democratic process
deserves. This allows for better public input and supports making the best decisions for the citizens who we are here
to serve. We ask that everyone in the meeting practice the following principles of Respect for each other.
RESPECT
Refrain from putdowns, criticism and personal attacks.
Encourage others to state their views.
Support each other, even if you don't agree.
Practice active listening.
Express yourself assertively, not aggressively, not submissively.
Collaborate, do not compete or collude.
Trust each other, unless and until such trust is violated.
SPEAKER REQUEST FORM
Date: "Inc I/ 9 Name: A-)7,
Please Note: Florida has a very broad Public Records Law. Most written and recorded
communications to or from State and Local Officials and agencies regarding State or Local business
are public records available to the public and media upon request.
PROVIDING YOUR CONTACT INFORMATION BELOW IS OPTIONAL:
Address: City:
Phone No.: E-mail:
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Atlantic Beach Resident 0 Atlantic Beach Property Owner 0 Atlantic Beach Business Owner
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1 wish to address the Commission during Courtesy of the Floor on:
Agenda Item No.
and/or
Topic not on the agenda:
I wish to address the Commission during the Public Hearing for Agenda Item No.
I am in support of the above agenda item. I am opposed to the above agenda item.
I do not wish to address the Commission, but I am in support of agenda item
I do not wish to address the Commission, but I am opposed to agenda item
WELCOME CoP
To the Atlantic Beach City Commission Meeting
We will conduct meetings of the City Commission with a level of civility and respect that the democratic process
deserves. This allows for better public input and supports making the best decisions for the citizens who we are here
to serve. We ask that everyone in the meeting practice the following principles of Respect for each other.
RESPECT
Refrain from putdowns, criticism and personal attacks.
Encourage others to state their views.
Support each other, even if you don't agree.
Practice active listening.
Express yourself assertively, not aggressively, not submissively.
Collaborate, do not compete or collude.
Trust each other, unless and until such trust is violated.
Date:
SPEAKER REQUEST FORM
oZ Name:
Please Note: Florida has a very broad Public Records Law. Mo t written a ' : recorded
communications to or from State and Local Officials and agencies regarding State or ocal business
are public records available to the public and media upon request.
PROVIDING YOUR CONTACT INFORMATION BELOW IS OPTIONAL:
Address: 3
Phone No. 7%-G`
City: B
E-mail:
PLEASE CHECK ALL THAT APPLY: (OPTIONAL)
Atlantic Beach Resident Atlantic Beach Property Owner 0 Atlantic Beach Business Owner
PLEASE COMPLETE AND CHECK ALL THAT APPLY:
wish to address the Commission during Courtesy of the Floor on:
Agenda Item No.
and/or
Topic not on the agenda: 0`Lks- # /Air Ve G
c---- wish to address the Commission during the Public Hearing for Agenda Item No.
I am in support of the above agenda item. I am opposed to the above agenda item.
I do not wish to address the Commission, but I am in support of agenda item
o I do not wish to address the Commission, but I am opposed to agenda item
WELCOME CoF
To the Atlantic Beach City Commission Meeting
We will conduct meetings of the City Commission with a level of civility and respect that the democratic process
deserves. This allows for better public input and supports making the best decisions for the citizens who we are here
to serve. We ask that everyone in the meeting practice the following principles of Respect for each other.
RESPECT
Refrain from putdowns, criticism and personal attacks.
Encourage others to state their views.
Support each other, even if you don't agree.
Practice active listening.
Express yourself assertively, not aggressively, not submissively.
Collaborate, do not compete or collude.
Trust each other, unless and until such trust is violated.
Date: 3 (/aoo-b
SPEAKER REQUEST FORM
Name: V.#2,ticak
Please Note: Florida has a very broad Public Records Law. Most written and recorded
communications to or from State and Local Officials and agencies regarding State or Local business
are public records available to the public and media upon request.
PROVIDING YOUR CONTACT INFORMATION BELOW IS OPTIONAL:
L M
Blke. T
Address: City:
Phone No.: E-mail:
PLEASE CHECK ALL THAT APPLY: (OPTIONAL)
0 Atlantic Beach Resident 0 Atlantic Beach Property Owner 0 Atlantic Beach Business Owner
PLEASE COMPLETE AND CHECK ALL THAT APPLY:
I wish to address the Commission during Courtesy of the Floor on:
Agenda Item No. 1}
and/or
Topic not on the agenda:
t
rel wish to address the Commission during the Public Hearing for Agenda Item No. 9 /9
4'am in support of the above agenda item. I am opposed to the above agenda item.
I do not wish to address the Commission, but I am in support of agenda item
O 1 do not wish to address the Commission, but I am opposed to agenda item
WELCOME COF
To the Atlantic Beach City Commission Meeting
We will conduct meetings of the City Commission with a level of civility and respect that the democratic process
deserves. This allows for better public input and supports making the best decisions for the citizens who we are here
to serve. We ask that everyone in the meeting practice the following principles of Respect for each other.
RESPECT
Refrain from putdowns, criticism and personal attacks.
Encourage others to state their views.
Support each other, even if you don't agree.
Practice active listening.
Express yourself assertively, not aggressively, not submissively.
Collaborate, do not compete or collude.
Trust each other, unless and until such trust is violated.
SPEAKER REQUEST FORM
Date: 3 9/070 Name:/1„7/..5 4 ' 44/2e -
Please Note: Florida has a very broad Public Records Law. Most written and recorded
communications to or from State and Local Officials and agencies regarding State or Local business
are public records available to the public and media upon request.
PROVIDING YOUR C (TACT INFORMATION BELOW IS OPTIONAL:
2-30 //1'441.4"--- 2/4' t
City: 9trY Address:
Phone No.:?9 i / t E-mail: g4,40 -em t4 el t..,vada • CO Nt
PLEASE CHECK ALL THAT APPLY: (OPTIONAL)
Atlantic Beach Resident 0 Atlantic Beach Property Owner 0 Atlantic Beach Business Owner
PLEASE COMPLETE AND CHECK ALL THAT APPLY:
o I wish to address the Commission during Courtesy of the Floor on:
o Agenda Item No. Ate rv.),1
and/or
Topic not on the agenda:
4wish to address the Commission during the Public Hearinq AgendaAenda Item No.
e am in support of the above agenda item. o I am opposed to the above agenda item.
o I do not wish to address the Commission, but I am in support of agenda item
I do not wish to address the Commission, but I am opposed to agenda item
WELCOME
To the Atlantic Beach City Commission Meeting
We will conduct meetings of the City Commission with a level of civility and respect that the democratic process
deserves. This allows for better public input and supports making the best decisions for the citizens who we are here
to serve. We ask that everyone in the meeting practice the following principles of Respect for each other.
Cof
RESPECT
Refrain from putdowns, criticism and personal attacks.
Encourage others to state their views.
Support each other, even if you don't agree.
Practice active listening.
Express yourself assertively, not aggressively, not submissively.
Collaborate, do not compete or collude.
Trust each other, unless and until such trust is violated.
Date: ao
SPEAKER REQUEST FORM
Name: [ j V`C,
Please Note: Florida has a very broad Public Records Law. Most written and recorded
communications to or from State and Local Officials and agencies regarding State or Local business
are public records available to the public and media upon request.
PROVIDING YOUR CONTACT INFORMATION BELOW IS OPTIONAL:
Address: ----)
48-C, I jeer c r C etJ f k City: Gt,QSG1kVrl! `r''
Phone No.: 3Ry -9/39' E-mail: a. (C,.cn e -C oi",
PLEASE CHECK ALL THAT APPLY: (OPTIONAL) re,.Yr,'rat g L. 4-55n eIC 'V4$
Atlantic Beach Resident Atlantic Beach Property Owner Atlantic Beach Business Owner
PLEASE COMPLETE AND CHECK ALL THAT APPLY:
I wish to address the Commission during Courtesy of the Floor on:
o Agenda Item No. 3 I T
and/or
o Topic not on the agenda:
o I wish to address the Commission during the Public Hearin for Agenda Item No.
o I am in support of the above agenda item. I am opposed to the above agenda item.
o I do not wish to address the Commission, but I am in support of agenda item
o I do not wish to address the Commission, but I am opposed to agenda item
WELCOME 911 PR
To the Atlantic Beach City Commission Meeting
We will conduct meetings of the City Commission with a level of civility and respect that the democratic process
deserves. This allows for better public input and supports making the best decisions for the citizens who we are here
to serve. We ask that everyone in the meeting practice the following principles of Respect for each other.
RESPECT
Refrain from putdowns, criticism and personal attacks.
Encourage others to state their views.
Support each other, even if you don't agree.
Practice active listening.
Express yourself assertively, not aggressively, not submissively.
Collaborate, do not compete or collude.
Trust each other, unless and until such trust is violated.
Date: Mare
SPEAKER REQUEST FORM
Macri t VlVlName:
Please Note: Florida has a very broad Public Records Law. Most written and recorded
communications to or from State and Local Officials and agencies regarding State or Local business
are public records available to the public and media upon request.
PROVIDING YOUR CONTACT INFORMATION BELOW IS OPTIONAL:
Address: City:
Phone No.: E-mail:
PLEASE CHECK ALL THAT APPLY: (OPTIONAL)
Atlantic Beach Resident Atlantic Beach Property Owner 0 Atlantic Beach Business Owner
PLEASE COMPLETE AND CHECK ALL THAT APPLY:
I wish to address the Commission during Courtesy of the Floor on:
Agenda Item No. g
and/or
o Topic not on the agenda:
wish to address the Commission during the Public Hearing for Agenda Item No.
Yam in support of the above agenda item. o I am opposed to the above agenda item.
Xdo not wish to address the Commission, but I am in support of agenda item
0 1 do not wish to address the Commission, but I am opposed to agenda item
WELCOME 61.11 P 14
To the Atlantic Beach City Commission Meeting
We will conduct meetings of the City Commission with a level of civility and respect that the democratic process
deserves. This allows for better public input and supports making the best decisions for the citizens who we are here
to serve. We ask that everyone in the meeting practice the following principles of Respect for each other.
RESPECT
Refrain from putdowns, criticism and personal attacks.
Encourage others to state their views.
Support each other, even if you don't agree.
Practice active listening.
Express yourself assertively, not aggressively, not submissively.
Collaborate, do not compete or collude.
Trust each other, unless and until such trust is violated.
SPEAKER REQUEST FORM
Date: 3/ffZ Name: = (,(j.ALIPeE-
Please Note: Florida has a very broad Public Records Law. Most written and recorded
communications to or from State and Local Officials and agencies regarding State or Local business
are public records available to the public and media upon request.
PROVIDING YOUR CONTACT INFORMATION BELOW IS OPTIONAL:
Address: (ZC'
04.1" 1=}11
tr t-- 31.7,c?
Phone No.: ' E-mail: `M WG Ter . tA,S s , .c
City:
i
PLEASE CHECK ALL THAT APPLY: (OPTIONAL)
Atlantic Beach Resident El Atlantic Beach Property Owner El Atlantic Beach Business Owner
PLEASE COMPLETE AND CHECK ALL THAT APPLY:
o I wish to address the Commission during Courtesy of the Floor on:
o Agenda Item No.
and/or
o Topic not on the agenda:
AI wish to address the Commission during the Public Hearing for Agenda Item No.CY - 20 — 1 IS
o I am in support of the above agenda item. o I am opposed to the above agenda item.
1 do not wish to address the Commission, but I am in support of agenda item
1 do not wish to address the Commission, but I am opposed to agenda item
flq"urkt'"-Nam til2.c.4c
111 NORTHEAST FLORIDA
ASSOCIATION OF REALTORS
March 6, 2019
The Honorable Ellen Glasser
City of Atlantic Beach
800 Seminole Road
Atlantic Beach, FL 32233
Dear Mayor Glasser:
On behalf of over 9,000 members of the Northeast Florida Association of Realtors (NEFAR) I am writing you today to
share our concerns about the Property Assessed Clean Energy (PACE) Program.
While NEFAR supports incentive -based financing programs that enable homeowners to improve the energy efficiency of
homes and take advantage of reduced energy costs we have some very strong concerns about the adverse effects of the
PACE program on homeowners, the real estate market and mortgage availability. Although the program may appear
beneficial, consumer protections are minimal at best and the program is subject to very little oversight; mostly self -
policing. There are many pitfalls that can result in harm to homeowners and the real estate market in general with this
program. Therefore, we cannot support the PACE program for residential use at this time.
Consumer Protection
Participating companies can approve a consumer if they are current on their mortgage and property taxes. There is no
requirement to consider the entire credit history and current debt load. This runs the risk of adding debt to
consumers who cannot afford it and are at high risk of default. Several of the companies engaging in the program have
been criticized for potential predatory lending activity directed at senior citizens and low-income homeowners. There is
also concern over the lack of proper disclosure with PACE loans. PACE is not subject to the Truth in Lending
Act and there is very little oversight of the program. In addition, PACE providers utilize contractors to sell the program.
Thus, individuals representing roofing companies, HVAC or window installers act as loan brokers; selling the program to
consumers.
Negative Impact on Home Sales
A homeowner trying to sell a home with a PACE assessment attached must have the PACE Loan assessment paid off at
closing if the buyer is using FHA insured financing. In December 2017 HUD published a mortgagee letter stating
Properties encumbered with PACE obligations will no longer be eligible for FHA -insured forward
mortgages." As of June 2018, VA loans are no longer allowed for properties with a PACE assessment. In addition, the
Federal Housing Finance Agency (FHFA) prohibits the Government Sponsored Enterprises (GSEs), Fannie
Mae and Freddie Mac from purchasing a mortgage that has a PACE assessment on the property.
Furthermore, lenders who typically don't repackage their mortgages up to Fannie Mae and Freddie Mac don't allow them
either because they want the flexibility to sell off those mortgages if necessary.
Credit and Mortgage Availability
Like property taxes, PACE liens take priority over mortgages. This makes the bonds easier for municipalities to sell, but if
a home is foreclosed on, liens are paid before the mortgage lender can recoup any money. The presence or potential
presence of a PACE loan, taking the first position ahead of the mortgage, invariably leads to the
devaluation of the mortgage as a secured asset. This has the effect of either making mortgages more risky
and costly, or leading to situations where mortgage credit is tighter or unavailable. Furthermore, it is
unclear at best whether the resulting improvements add enough value to compensate for the additional
risks.
7801 Deercreek Club Rd., Jacksonville, FL 32256
904) 394-9494 • www.NEFAR.com
111 NORTHEAST FLORIDA
ASSOCIATION OF REALTORS
Conclusion
As stated above, the FHFA does not allow Fannie Mae, Freddie Mac, and Federal Home Loan Banks to purchase
mortgages encumbered by PACE liens. Today, approximately 75% of residential properties utilize Fannie Mae, Freddie
Mac, or Federal Home Loan Banks to finance residential mortgages either directly or indirectly. In a community that has a
high number of senior citizens, first time home buyers, veterans, and those in search of workforce housing, it does not, in
our eyes, seem prudent to engage in a program that could deny 75% of the financing market to a property.
We appreciate the opportunity to comment on the PACE loan program and support providing property owners with the
education, incentives, and resources to strengthen their homes and save energy. We also appreciate the emphasis on the
voluntary nature of these programs, but believe that, at this time, consumer protections and the safety and soundness of
real estate mortgage markets must take precedence over other ancillary, albeit important, concerns and ask for careful
consideration of these adverse effects when reviewing the PACE program for residential use at this juncture.
Sincerely,
Ron Harris, 2020 NEFAR President
cc: The Honorable Cindy Anderson; The Honorable M. Blythe Waters; The Honorable Candace Kelly; The Honorable
Brittany Norris; Shane Corbin
7801 Deercreek Club Rd., Jacksonville, FL 32256
904) 394-9494 • www.NEFAR.com
N4'n4l¢
utY M4yo/ /41-0-4462/
84712 CITY OF ATLANTIC BEACH 800 SEMINOL ATLANTIC FL
0001 CITY OF ATLANTIC BEACH LEED: 48 6TH ST W
Service Service Type Size Quantity Start Date
003 COMM RL TRASH 0.50 Yard
004 COMM RL TRASH 0.50 Yard
005 COMM RL TRASH 0.50 Yard
0002 AB DINER LEED: 501 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
002 COMM RL TRASH 0.50 Yard
0004 ABC LIQUORS LEED: 295 ROYAL PALM DR
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0005 SHOPPES OF A1A NORTH LEED: 1221 MAYPORT RD #1261
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 6.00 Yard
002 COMM RL TRASH 0.50 Yard
0007 AMERICAN STORAGE LEED: 1770 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
003 COMM RL TRASH 0.50 Yard
0008 SOUTHTRUST BANK LEED: 1031 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0009 AMERICAN LEGION LEED: 1127 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
002 COMM RL TRASH 0.50 Yard
004 COMM FL TRASH 6.00 Yard
0010 ROMEO S MARKET LEED: 1211 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
002 COMM RL TRASH 0.50 Yard
0013 ASHLAND MINI STORAGE LEED: 1089 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
007 COMM FL TRASH 4.00 Yard
0014 AVESTA HOMES (PREVIOUSLY ATLANTIC ARI LEED: 1085 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
003 COMM RL TRASH 1.01 Yard
0016 AVESTA HOMES (PREVIOUSLY ATLANTIC ARC LEED: 1088 CORNELL LO
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 6.00 Yard
002 COMM RL TRASH 0.50 Yard
0017 ATLANTIC MINI STORAGE LEED: 1073 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
004 COMM FL TRASH 2.00 Yard
0020 ATLANTIC VILLAGE LEED: 800 ATLANTIC VILLAGE CE
Service Service Type Size Quantity Start Date
008 COMM FL TRASH 6.00 Yard
011 COMM FL TRASH 4.00 Yard
012 COMM FL TRASH 8.00 Yard
0021 AUTO CLINIC LEED: 1138 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0025 BEACHES MINI STORAGE LEED: 310 MAYPORT RD
Service Service Type Size Quantity Start Date
002 COMM RL TRASH 0.90 Yard
003 COMM FL TRASH 2.00 Yard
J028 SCHOENIGS FISHERY C&C FISHERIES LEED: 36 W 6TH ST
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
0029 CARLSON & CO LEED: 1880 MEALY ST
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 6.00 Yard
0030 CHOIS CHINESE FOOD LEED: 499 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0031 CLOISTER CONDO LEED: 10 10TH ST
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
002 COMM RL TRASH 0.50 Yard
0032 COMFORT INN AKA ECONO LODGE LEED: 2401 MAYPORT RD
Service Service Type Size Quantity Start Date
002 COMM FL TRASH 8.00 Yard
0033 DONALD DAGLEY LEED: 600 TULIP ST
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0037 DISCOUNT AUTO PARTS LEED: 1051 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0038 DOLLAR TREE LEED: 989-13 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0039 DRIFTWOOD APTS LEED: 91 11TH ST W
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 6.00 Yard
002 COMM RL TRASH 0.50 Yard
0040 DRIFTWOOD APTS LEED: 91 11TH ST W
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
002 COMM RL TRASH 0.50 Yard
0042 EDGAR ST COMPLEX LEED: 205 EDGAR ST
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0047 FLEET RESERVE LEED: 390 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 6.00 Yard
0048 FLY TIE LEED: 177 SAILFISH DR E
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0051 D SEA INTERNATIONAL LEED: 52 54 & 56 3RD ST W
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
003 COMM RL TRASH 0.50 Yard
0052 HARBOR TAVERN THE LEED: 160 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0053 HARDEE S LEED: 1500 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 6.00 Yard
0057 PALMS MOTEL LEED: 28 SHERRY DR
Service Service Type Size Quantity Start Date
002 COMM FL TRASH 2.00 Yard
003 COMM RL TRASH 0.10 Yard
0058 KINDERCARE LEED: 2 ATLANTIC CT
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0059 LAURA PLAZA LEED: 469 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
0060 L CHATEAU LEED: 701 BEACH AVE
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
002 COMM RL TRASH 0.50 Yard
0062 LIL CHAMP LEED: 501 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0065 U-HAUL STORAGE LEED: 1650 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
002 COMM RL TRASH 0.50 Yard
0066 MCDONALDS LEED: 435 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
0074 PIER 1 IMPORTS LEED: 1071 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
002 COMM RL TRASH 0.01 Yard
0075 PIZZA HUT LEED: 815 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0080 ROYAL PALMS APTS (PREVIOUSLY SAILFISH LEED: 275 SAILFISH DR
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
002 COMM RL TRASH 0.50 Yard
0084 SEA GARDENS LEED: 2277 SEMINOLE RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
002 COMM RL TRASH 0.50 Yard
0086 SEA OATS APTS LEED: 900 PLAZA DR
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 6.00 Yard
005 COMM RL TRASH 1.01 Yard
0087 SEAPLACE CONDOS LEED: 901 OCEAN BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
002 COMM RL TRASH 0.50 Yard
0089 SEAFOOD KITCHEN LEED: 31 ROYAL PALMS DR
Service Service Type Size Quantity Start Date
003 COMM RL TRASH 0.50 Yard
006 COMM FL TRASH 8.00 Yard
0093 SEVILLA CONDO LEED: 1800 SELVA MARINA DR
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
002 COMM RL TRASH 0.50 Yard
0094 SINGLETON S TRAILER PARK LEED: 120 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 6.00 Yard
002 COMM RL TRASH 0.50 Yard
0096 SOUTH LUBE LEED: 1067 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
002 COMM RL TRASH 0.01 Yard
0097 STOR PARK SYSTEMS LEED: 97 LEVY RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
0099 BRENT INTERNATIONAL LEED: 645 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0100 JIMMYS PAWN SHOP LEED: 31 SAILFISH DR
Service Service Type Size Quantity Start Date
002 COMM RL TRASH 0.50 Yard
0101 TOWER CONDO LEED: 2361 SEMINOLE RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0102 US NAVY LEED: 1575 MAIN ST
Service Service Type Size Quantity Start Date
002 COMM FL TRASH 2.00 Yard
0103 U S POST OFFICE LEED: 1001 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
0104 VALUE PAWN LEED: 1099 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0106 WATCHCARE ADULT DAYCARE LEED: 100 1 ST ST W
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
002 COMM RL TRASH 0.50 Yard
0109 PAN AM MINI STORAGE LEED: 36 W 8TH STREET
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0115 PUBLIC SAFETY /POLICE..UNIT 2 LEED: 850 SEMINOLE RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0128 AB WATER PLANT#1 LEED: 469 11TH STE RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0129 AB WWTP(6EA. GRIT) LEED: 1100 SANDPIPER LN
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0130 AA WWTP LEED: 1100 SANDPIPER LN
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0131 AB WATER PLANT # 2 LEED: 2301 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0132 AB ANIMAL CONTROL LEED: 1200-1 SANDPIPER LN
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0134 BUCC. WATER PLANT LEED: 902 ASSISI LN
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0135 PUBLIC WORKS LEED: 1200 SANDPIPER LANE
Service Service Type Size Quantity Start Date
002 COMM FL TRASH 6.00 Yard
0136 JORDAN PARK LEED: 1200 SANDPIPER LN
Service Service Type Size Quantity Start Date
003 COMM FL TRASH 6.00 Yard
0137 LIL CHAMP #1401 LEED: 2425 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 6.00 Yard
0138 SHORECREST LEED: 193 BEACH AVE
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0139 BEST WESTERN HOTEL LEED: 2389 MAYPORT RD
Service Service Type Size Quantity Start Date
002 COMM RL TRASH 0.50 Yard
003 COMM RL TRASH 0.50 Yard
004 COMM FL TRASH 8.00 Yard
0143 TDI PRODUCTS #16210 LEED: 589 LEVY RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0147 Q E D SYSTEMS INC LEED: 1885 MEALY ST RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 6.00 Yard
0148 KWIK TRIP #7030 LEED: 715 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
0150 DUKES MIKE DR #7052--Attachment D LEED: 100 ROYAL PALMS DR
Service Service Type Size Quantity Start Date
002 COMM RL TRASH 0.50 Yard
0152 SPECIALTY MARINE LEED: 1420 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
0154 OCEAN 60 RESTAURANT LEED: 60 OCEAN BLVD
Service Service Type Size Quantity Start Date
002 COMM RL TRASH 0.50 Yard
0155 MCCORMICKAND SONS #13798 LEED: 1198 01-11 MAYPORT RD
Service Service Type Size Quantity Start Date
003 COMM FL TRASH 4.00 Yard
0157 RIVER CITY CUSTOM CABINETRY LEED: 1863 MAYPORT RD
Service Service Type Size Quantity Start Date
005 COMM FL TRASH 8.00 Yard
0160 BEACHES RECYCLING CENTER LEED: 56 6TH ST W
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0164 OCEAN WOODWORKS LEED: 1701 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 6.00 Yard
002 COMM FL TRASH 4.00 Yard
0168 SHOPPES OF NORSHORE LEED: 363 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
002 COMM RL TRASH 0.50 Yard
003 COMM FL TRASH 8.00 Yard C
0173 ATLANTIC BCH WATER TREATMENT LEED: 1100 SANDPIPER LN
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0174 RAGTIME # 6966 LEED: 207 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 6.00 Yard C
007 COMM RL TRASH 0.01 Yard
0176 QWIK TRIP-MAYPORT LEED: 1600 MAYPORT RD
Service Service Type Size Quantity Start Date
002 COMM FL TRASH 4.00 Yard
0178 WILLIAM MUELLER formerly TAKACS ZSOLT E LEED: 91 STANLEY RD
Service Service Type Size Quantity Start Date
002 COMM RL TRASH 0.50 Yard
003 COMM RL TRASH 0.50 Yard
0179 SOLOMON PROPERTIES INC LEED: 1079 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
002 COMM RL TRASH 0.50 Yard
004 COMM FL TRASH 8.00 Yard
0180 ATLANTIC BEACH RESIDENTIAL LEED: 800 SEMINOLE RD
Service Service Type Size Quantity Start Date
001 RESIDENTIAL TRASH 0.50 Yard
002 RESIDENTIAL RECYCLING SINGLE STREAM 0.50 Yard
003 RESIDENTIAL YARDWASTE 0.50 Yard
0181 ONE OCEAN RESORT (SEA TURTLE) LEED: 100 OCEAN BLVD
Service Service Type Size Quantity Start Date
005 PERM RO TRASH 15.00 Yard C
0182 ATL BCH ATTACHMENT B & k LEED: 800 SEMINOLE RD
Service Service Type Size Quantity Start Date
001 RESIDENTIAL TRASH 0.50 Yard
0184 ATL BCH ATTACHMENT D LEED: 800 SEMINOLE RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
0188 COALITION PARTNERSHIP LEED: 725 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
0192 SANDAR INDUSTRIES # 7384 LEED: 1545 MAIN ST
Service Service Type Size Quantity Start Date
006 COMM FL TRASH 6.00 Yard
0193 BEACHES WOOD CRAFTERS #18714 LEED: 14 DUTTON ISLAND RD E
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
003 COMM RL RECYCLING SINGLE STREAM 0.01 Yard
0195 CITY YARD ATLANTIC BEACH LEED: 2301 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0197 SARFARA FOOD STORE # 7284 LEED: 1197 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0208 HULLIHAN TERRITORY # 14670 LEED: 1177 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
002 COMM FL TRASH 8.00 Yard
0210 FLEET LANDING LEED: 2393 MAYPORT RD
Service Service Type Size Quantity Start Date
001 PERM RO TRASH 35.00 Yard C
002 PERM RO TRASH 30.00 Yard
003 COMM RL TRASH 0.50 Yard
0211 PETWAY LEED: 375 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 6.00 Yard
0214 TROPIC HEAT & AIR LEED: 750 MAYPORT RD
Service Service Type Size Quantity Start Date
002 COMM FL TRASH 4.00 Yard
0215 PRESBYTERIAN CHURCH LEED: 150 SHERRY DR
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0217 OCEAN 60 RESTAURANT LEED: 60 OCEAN BLVD
Service Service Type Size Quantity Start Date
005 COMM FL TRASH 4.00 Yard
0220 DUNKIN DONUTS LEED: 719 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
0224 COASTAL WAREHOUSING INC LEED: 151 LEVY RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0231 TIETJEN TECH INC LEED: 51 W 7TH ST
Service Service Type Size Quantity Start Date
002 COMM RL TRASH 0.96 Yard
0232 ADVANTAGE PLUMBING LEED: 880 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
002 COMM RL TRASH 0.01 Yard
0237 B&K PROPERTIES LEED: 1479 MAYPORT ROAD
Service Service Type Size Quantity Start Date
002 COMM FL TRASH 4.00 Yard
0238 B&K PROPERTIES LEED: 20 DONNER ROAD
Service Service Type Size Quantity Start Date
002 COMM FL TRASH 6.00 Yard
0241 CORAL REEF ANIMAL HOSPITAL LEED: 615 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0242 RICHARD SACKETT LEED: 1850-2 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0247 DRESSER RAND GROUP INC LEED: 482A STEWART ST
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 6.00 Yard
0248 NEW FRIENDSHIP BAPTIST CHURCH LEED: 1996 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0249 BROOKS & LIMBAUGH ELECTRIC LEED: 42 W 8TH ST
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0251 BENNETT LANDSCAPING LEED: 1179 ATLANTIC BOULEVAF
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
0254 WALGREENS #13028 LEED: 2405 MAYPORT RD
Service Service Type Size Quantity Start Date
002 COMM FL TRASH 2.00 Yard
0255 STITCHES & SCREENS LEED: 40 SIMMONS RD
Service Service Type Size Quantity Start Date
002 COMM FL TRASH 4.00 Yard
0260 VILLAGE WINE & CHEESE STORE LEED: 296 ROYAL PALMS DR
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0263 SEVILLA CONDOS LEED: 1800 SEVILLA RD
Service Service Type Size Quantity Start Date
002 COMM RL RECYCLING SINGLE STREAM 0.01 Yard
0264 SEA PLACE CONDO LEED: 901 OCEAN BLVD
Service Service Type Size Quantity Start Date
002 COMM RL RECYCLING SINGLE STREAM 0.01 Yard
0265 CLOISTER CONDOS LEED: 10 10TH ST
Service Service Type Size Quantity Start Date
002 COMM RL RECYCLING SINGLE STREAM 0.01 Yard
0266 CORBIN YACHT LEED: 1575 MAIN ST
Service Service Type Size Quantity Start Date
002 COMM RL RECYCLING SINGLE STREAM 0.01 Yard
0270 LA FITNESS / FITNESS INTERNATIONAL. LLC LEED: 985 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0271 OZI ENTERPRISES LLC LEED: 1110 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0274 JAX DIRT WORKS LEED: 310 MEALY DR
Service Service Type Size Quantity Start Date
002 COMM FL TRASH 4.00 Yard
0275 BEACHES MOVING & STORAGE LEED: 1589 MAIN ST
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0276 HAPPY TRAILS 4x4 LEED: 490 LEVY RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0278 AMERICAN IRRIGATION & WELL LEED: 1651 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0280 ONE HOUR HEATING AND A/C LEED: 1198 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
0283 FOUR S LEED: 983 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0284 PANERA BREAD LEED: 899 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8,00 Yard
0285 ATLANTIC BEACH COUNTRY CLUB LEED: 1995 FRANCIS AVE
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
0286 ATLANTIC BEACH COUNTRY CLUB LEED: 1600 SELVA MARINA DR
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
002 COMM FL TRASH 6.00 Yard
0287 BEACHES FRAMES LEED: 155 LEVY RD
Service Service Type Size Quantity Start Date
002 COMM FL TRASH 4.00 Yard
0288 GATOR MOTO UTILITY VEHICLES & MORE LEED: 54 W 10TH
Service Service Type Size Quantity Start Date
005 COMM FL TRASH 6.00 Yard
0290 DOLLAR TREE #5993 LEED: 2321 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0292 TCI MECHANICAL LEED: 44 DUTTON ISLAND RD W
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0293 ADVANCED MARINE LEED: 400 LEVY RD
Service Service Type Size Quantity Start Date
002 COMM FL TRASH 4.00 Yard
0294 ASSEMBLY OF GOD LEED: 680 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0297 TODD FERREIRA LEED: 1500 MAIN ST
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
0298 SUNRISE COMM CHURCH LEED: 298 AQUATIC DR
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0299 TECHNICO INC LEED: 1541 MAIN STREET
Service Service Type Size Quantity Start Date
003 COMM FL TRASH 8.00 Yard
0301 TCI MECHANICAL LEED: 25 DUDLEY ST
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0302 AG STONE LEED: 325 MEALY DR
Service Service Type Size Quantity Start Date
004 COMM FL TRASH 6.00 Yard
0303 TDI PRODUCTS LEED: 589 LEVY RD #1-6
Service Service Type Size Quantity Start Date
003 COMM FL TRASH 8.00 Yard
0304 SANDAR INDUSTRIES LEED: 1541 MAIN STREET
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 6.00 Yard
002 COMM FL TRASH 2.00 Yard
0309 GERALD P MAHONEY LEED: 153 LEVY ROAD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0310 GATE STATION 1231 LEED: 535 ATLANTIC BEACH CT
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
0312 DANI FOOD 4 MART LLC LEED: 1480 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0313 AL PIZZA LEED: 303 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
0314 PET SUPPLIES PLUS LEED: 977 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 6.00 Yard
0315 CULHANES IRISH PUB LEED: 967 ATLANTIC BEACH
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
0318 ABBQ RESTUARANT LEED: 461 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
002 COMM FL TRASH 4.00 Yard
0319 PLANET FITNESS ATLANTIC BEACH LEED: 253 ROYAL PALMS DR
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0321 SCRUBBLE CAR WASH LEED: 835 ATLANTIC BEACH
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0322 SOUTHERN ROOTS LEED: 32 SEMINOLE RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0323 PETRO MANAGEMENT LEED: 763 ATLANTIC BLVD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0324 CALL THE SCREEN GUYS LEED: 1840 MEALY ST S
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
0325 THE SURF BOARD ROOM LEED: 45 6TH ST W
Service Service Type Size Quantity Start Date
001 COMM FL TRASH _ 2.00 Yard
0326 TENSION MINDFIELD HOLDINGS LEED: 146 LEVY ROAD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 4.00 Yard
0327 GENERATION REFRIGERATION LEED: 589 14TH ST W
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 6.00 Yard
0328 MHC 3 ORLANDO LLC LEED: 2383 MAYPORT RD
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 2.00 Yard
0329 O.U.R. PROPERTIES LEED: 751 ATLANTIC BLVD#1
Service Service Type Size Quantity Start Date
001 COMM FL TRASH 8.00 Yard
002 COMM RL TRASH 0.10 Yard
Customer Count: 1 Site Count: 160 Service Count:
DREDDING 03/03/20' PC - Advanced Disposal - Jacksonville North Page -1 of 1
C FLORIDA ALLIANCE
FOR CONSUMER PROTECTION
CONSUMER ALERT!
RESIDENTIAL PACE LOANS
PROPERTY ASSESSED CLEAN ENERGY) LOAN
What are PACE loans?
PACE or Property Assessed Clean Energy Program is a type of loan used in Florida to
finance energy efficiency improvements, renewable energy improvements and wind
resistance improvements.
Is PACE free or low-cost?
No. PACE home improvements are not free or cheaper than normal prices. When
you sign the PACE loan documents, you are agreeing to repay the full cost of the
work.
How do I qualify for the loan?
Unlike conventional lenders, PACE Lenders are not required to check whether you
can afford to repay the loan, so please make sure you can afford the annual
payment.
How do I repay the loan?
The loan repayment will be added to your property tax assessment so you tax bill
will increase. The entire tax assessment must be paid in full or you will be in default
on your property taxes and a lien will be placed on your home.
If you have a mortgage, your lender probably includes the property taxes in your
monthly payment. If so, your monthly mortgage payment will increase and if you do
not pay it your home could be foreclosed.
Do I pay interest for the loan?
Yes. Pace lenders charge between 6% and 9% per year, over 20 years, which may be
higher than other loan financing. There may be low interest loans available, like
utility sponsored programs or federal weatherization programs. Check with your
bank or credit union about whether you qualify for lower interest with a second
mortgage or a home equity line of credit.
www.flacp.org
Are there other costs?
Yes. PACE lenders charge points and fees of at least 5% and an annual fee of
approximately $35 for the life of the loan (usually 20 years) in addition to the
interest.
Can I refinance my home or get a loan modification after I get a PACE loan?
PACE loans may make it difficult to refinance your home. PACE loans may make it
impossible to get a loan modification of your mortgage.
Can I sell my home before I have paid off the PACE loan?
The PACE loan can be transferred to the buyer when you sell your home. BUT
Fannie Mae, Freddie Mac, the Federal Housing Administration and the Department
of Veterans Affairs will not insure mortgages with PACE loans. Other lenders are not
required to accept PACE loans.
What happens if I am not happy with the improvements?
A licensed contractor must do all PACE Program improvements. The contractor does
not get paid by the PACE lender until you sign a completion certificate. However, if
you refuse to sign the completion certificate, the contractor may put a lien on your
home.
For energy improvements, will the contractor give me an energy audit?
No. The only way to get an accurate estimate of energy savings is through an
independent energy audit. Contractors are not qualified to estimate energy savings,
and have a financial interest in selling you more improvements.
What is the most important thing I can do to protect myself?
Take your time before you sign. Ask for and read any documentation relating to a
PACE loan. Make sure you ask for a printed copy and don't sign anything that seems
too complex or confusing.
MAKE SURE YOU ASK FOR A PRINTED COPY OF ALL DOCUMENTS TO READ
BEFORE YOU ALLOW ANYONE TO WORK ON YOUR HOME.
www.flacp.org
NOTICE
STATE OF FLORIDA GOVERNMENT APPROVED
Property Assessed Clean Energy
This notice indicates the foto number of your property and the Property Assessed Clean
Energy ('PACE) :approval for f cbnp of you peperty You haw the richt to improve
upon your mat Property. based on the intormutmn below
Property Address: APProared Funding: YES
Folio It
You ere re•ceiwno this nctc a because major roof concerns were viata/y naked this
week As a mordnator for the Pasco County anercreed {roc ram. we can approve
anyone with Zero WW1 and Zero Payment trail March 2019. regardless of your credt
score or employment status.
EI gibility Requirements:
1. Are you behind on torr modpaoe?
2 Are You currently gong through bankruptcy?
It you answered NO then CONGRATULATIONS, you can get That tiew Rod'
CaII today to schedule your instal.
Together We Can Help Make Pasco County A Great Place To Live
727-232-1668
Monday - Friday
1 Dam - 8pm
PAC* coonoituvroot• t UMMITw000 IKORK{, LLC
C Ce 11312443
Man says Bruno Total Home
swindled him, forged contract
signature
Florida's Attorney General has launched an investigation into Bruno
Total Home in Bonita Springs.
Tuesday, January 15th 2019, 12:40 PM EST by Vanessa Bein & Joseph Ojo
Updated:
Wednesday, January 16th 2019, 7:15 PM EST
BONITA SPRINGS, Fla. - Florida's Attorney General has launched an investigation into Bruno Total
Home involving its owner, Louis Bruno.
Cape Coral police and the Lee County Sheriffs Office swarmed the business Tuesday morning,
Officers were seen taking items out of the building. One of the vans at the business was taken away by
authorities.
Follow this story to get email or text alerts from NBC2 when there is a future article following this storyline.
The state is calling this a "consumer protection investigation."
Lance Henderson is one of the many victims alleging shady and intimidating practices by Bruno, stating
that the company deceived him and even threatened to take over his home.
Henderson signed up for an estimate on an air conditioning system from Bruno, but his signature was
forged on the contract. He was told to pay up to $38,000.
Henderson said the company also pulled his credit without approval, causing his score to dip. He decided
not to pay and said the company threatened to sue him and foreclose his home.
According to Henderson, Bruno Total Home never completed the work and wanted the company to be
held responsible.
Bruno Total Home services businesses across the state and serves 22,000 homes a year.
Copyright 2019 WBBH/WZVN (Waterman Broadcasting). All rights reserved.
Couple says they were
duped by Bruno Total Home
They have sued the embattled air conditioning
company
Posted: 10:20 PM, Jan 16, 2019
Updated: 7:33 AM, Jan 17, 2019
CAPE CORAL, Fla. -- A Cape Coral couple is telling their story of a bad
experience with Bruno Total Horne. They even slapped the embattled
company with a lawsuit before state officials raided Bruno's Bonita
Springs offices this week.
Dennis Haussler says he bought a new air conditioner from Bruno Total
Home Performance after hearing a radio advertisement. "I'm driving to
work in the morning and I hear this Louis Bruno on the radio all the
time, and he's saying, don't take money out of your pocket," said
Haussler, who lives in Cape Coral.
The program Bruno was selling is called Property Assessed Clean Energy,
or PACE. It allows customers to make energy efficient investments in
their home and finance it through voluntary assessments of their
property tax bill.
Haussler was surprised at how quickly he was approved; "Not even
signed a paper."
But the real surprise came in the mail, when the Hausslers got a bill for
37,000, with first payment due in 3o days, even though they were told
by Bruno they had three years to make their first payment.
They called Louis Bruno, Haussler claimed Bruno told him he'd call
Greensky, the finance company himself. "He kept telling us he was
telling us he was talking to some guy in California from Greensky, we
ended up talking to Greensky and they said they were located in Atlanta,"
said Haussler.
Dennis says the finance company told him they had never heard of the
PACE program, that's when the couple knew they had been had.
Haussler called Mike Chionopoulos who filed a fraud lawsuit against the
company and other lawsuits may follow. "This the first time that I've had
any categorical or widespread complaints regarding an air conditioning
or heating company," said Chionopoulus.
The Haussiers watched in shock as FDLE agents raided Bruno's office
Tuesday, an incident that Chionopoulos says may help prove his case
against the company.
RELATED I Bruno Total Home releases statement about
investigation
Dennis says he regrets this situation escalated as much as it has. "Now
we're aggravated because he did what he did, if he had just been honest
with us and told us he's having trouble with the Pace program it would
be a different story."
4 In Your Corner called and texted Bruno's attorney Yale Freeman for
comment on this story, but did not hear back.
Consumer Warns About Pitfalls in
Financing Program for Home Improvement
Projects
What you should know before using PACE program to finance home improvement
projects
By Sasha Jones
Published Nov 13, 2018 at 6:30 NA i 11pdated at 6:59 PM EST on Nov 13, 2018
Jorge Andrade and Thomas Bavota are two consumers out of more than
21,000 in South Florida who have financed a home improvement project
using what's known as PACE, the Property Assessed Clean Energy Program.
Both had different results.
In our area, consumers have financed more than $140 million in projects
using the financing program.
The commercials for the PACE program advertise no upfront cost or financial
verification needed.
The money can be used to finance energy efficiency projects like air
conditioning, solar panel and impact window installation.
Jorge Andrade says the financing made his roof project possible.
Since they said they had financing for roofing, we thought it would be a good avenue
for us to go to," Andrade told us.
But Thomas Bavota says going green left him with regrets.
It was here to help homeowners not to hurt thein," Bavota told us. "I never would
have gone through this if I had known about the lien."
Bavota says a salesperson told him he qualified for $22,000 in financing to install
impact windows.
He had the windows installed with no problems. But when he tried to refinance his
mortgage, he realized the PACE financing for the windows appeared as a lien against
his property. He says he wasn't told about that detail ahead of time.
I should be able to refinance it and take out whatever money I want, sell it if I want
to, just do what we want to do with our house that we worked so hard for," Bavota
said.
When you finance using PACE, you are signing an agreement with a private finance
company that has received approval to operate in your county.
A lien is placed on your property until you pay what you owe through a special
assessment on your property taxes.
Some homeowners in California and Florida say the program was marketed with
deceptive" and "incomplete information."
A federal lawsuit filed in California against PACE administrator Ygrene Energy Fund
claims the lien makes it "nearly impossible for consumers to sell their homes without
first paying off the loan and incurring a large prepayment penalty."
Ygrene declined an on -camera interview but sent us this statement that says, "Ygrene
does not engage in "lending" practices. PACE offers property owners financing to
fund energy efficient home improvements, but the transactions are not "loans".
Related to the case cited, Ygrene has been and continues to rigorously defend the
allegations of this lawsuit. The District Court Judge in the matter has already held
that Ygrene's written disclosures adequately advise property owners related to the
ability refinance or sell their homes without paying off their PACE financing. Ygrene
and the Plaintiffs are currently in the discovery phase of the litigation and Ygrene is
confident that ultimately the Court will find all pending claims to he without merit."
Ygrene is one of six companies approved to operate through the PACE program in
South Florida.
I know it's a good program, I know there are a lot of people who have taken
advantage of the program, but there are a lot of people who have been taken
advantage of also," Miami -Dade Property Assessor Pedro Garcia told us.
Garcia says homeowners should contact their mortgage lender to find out how the
PACE program will impact them.
Check on the interest, check with the company they are recommending you to do
that, and checkwith the bank. Take a look and see what is the best advantage to you,"
said Garcia.
11 wasn't until our interview that Bavota learned by the end of the 20 -year terns he'11
have paid $24,000 in interest, which is more than the principal he owed for the
window project.
None of that was ever explained," Bavota said. "How the interest would work over
20 years."
As more homeowners turn to PACE financing, the federal government is adding
oversight. A new law passed earlier this year directed the Consumer Financial
Protection Bureau to add regulations to the program. The new regulations are
expected to require PACE financers to determine a homeowners' ability to repay what
they owe.
The Bavotas are not involved in a lawsuit against Ygrene. We asked the company
about the Bavota's experience and in a statement they told us,
Ms. Bavota interacted directly with a Ygrene representative during the entire
process from application to completion and funding of the project. During this time,
the homeowner completed application documents, received all program and financing
related disclosures', and participated in a "welcome call" to confirm they understood
all applicable terms and conditions.
PACE financing has numerous built-in consumer protections, more so than many
other comparable types offinancing, which is why we take great care to advise our
customers of the financing clearly. We do this diligently by providing a disclosure of
rights & responsibilities to property owners explaining how the PACE lien functions
and the potential requirement by mortgage lenders to repay the assessment should
they choose to refinance or sell their property. The disclosures are provided to the
property owner in print, and we take a second step through a live recorded call with
the property owner prior to the contractor commencing work on their property."
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It sounds almost too good to be true: Major high -dollar home repairs, such as
new hurricane -resistant impact windows, roof replacement, solar energy
systems, hot water heaters, air conditioning systems and more, financed with
no money down and no credit check.
You just need to show that you have equity in your home, a good history of
making your mortgage paynieiils, and that you make enough money to make
payments on the debt.
Welcome to Property Assessed Clean Energy financing, a program that has
funded improvements for thousands of South Florida property owners over
the past three years. Many local governments in the region have approved
PACE financing assessments on borrowers' property tax bills as a way to
encourage residents to make their homes more energy-efficient and to
strengthen them against the effects of storms and climate change.
The program has been a blessing for many, providing a means to fund needed
upgrades that they couldn't afford relying solely on savings or
creditworthiness.
But some say they didn't realize what they'd gotten into until it was too late —
that a lien would be placed on their home, that they would be expected to
repay roughly double the project cost over the life of the loan, and that most
banks would require them to pay off the loan in full before they could sell their
homes.
I understand it was very stupid of me not to read that long contract," wrote
Maria Rossello, who lives in a seniors -only condominium with a market value
of $37,400, according to the Broward County Property Appraiser's website.
In October 2016, she signed an agreement to install three impact windows in
the Sunrise condo. Repayment, according to Broward County official records,
would cost $639 a year over 20 years. That's on the low side compared with an
average PACE loan, but for Rossello, who said she was told she wouldn't be
charged interest, it still presented a hardship.
The experiences of Rossello and others underscore what experts and
customers alike say anyone considering a PACE loan must do:
Make sure you read all the paperwork. Read the fine print and make sure you
read every bit of that contract," said Scott Nathan, a Pompano Beach resident
who borrowed $52,000 for a solar energy system, new roof, new water heater,
and solar -powered attic fans. Nathan said he scrolled through loan documents
online and missed that the sum of all payments over the 20 -year loan term
would be around $97,000.
He said his contractor told him that savings on his electric and insurance bills
would cover all but $3o a month of the repayment cost. But those savings
weren't nearly that substantial, he said, and now his monthly mortgage
payments — which include taxes, insurance and his loan repayment
installments — are $2,278, instead of $1,556. Nathan said he's not sure he'll be
able to keep his home.
A typical PACE loan financed through Ygrene Energy Fund Florida runs about
20 years at an interest rate of about 7 percent. Borrowers can expect to repay
twice the project cost over the payback period.
Complaints about disclosure practices prompted California to enact a law
requiring all PACE providers to disclose all project costs, fees, interest rates,
annual and monthly payback terms in a simplified document patterned after
truth in lending" disclosures required from mortgage lenders in home sales.
Another law requires PACE providers to review all terms with borrowers in a
live phone call before any financing documents are signed. Ygrene, Renovate
America and RenewPACE said they have voluntarily added both practices to
their Florida operations. A fourth PACE provider, Florida PACE, did not
respond to a request for comment for this story.
VDVI I; I I)IN(;
Borrowers with excellent credit might pay less by taking out a second
mortgage or home equity line of credit, Ygrene senior vice president Mike
Lemyre said in an interview on Friday. But for people with modest income,
modest savings and modest credit, PACE loans offer good value, he said.
Ygrene (spelled Energy backward) is a California-based company that arrived
in South Florida ahead of the other companies, getting a head -start in
obtaining necessary agreements by Miami -Dade, Broward and Palm Beach
counties, and most of the region's cities, to have repayment obligations
assessed as part of customers' property tax bills.
Since 2013, Ygrene has funded about 15,00o projects in the tricounty region,
and doubled its business in Broward and Miami -Dade counties between 2016
and 2017, Lemyre said.
The company recruits local contractors and trains them to explain to
customers how the Ygrene program works. But while Ygrene and other PACE
programs say they constantly review feedback about contractors' performance
with their customers, some residents say contractors told them only what they
wanted them to hear.
Consumer complaints alleging predatory practices by PACE contractors were
subjects of warnings by several consumer watchdog organizations in late 2016
and a federal suit seeking class action status filed last spring by plaintiffs in
California and South Florida.
Manuel Hiraldo, a Fort Lauderdale attorney involved in the lawsuit, said he
has been contacted about once a week by unhappy customers seeking to join
the suit.
Some contractors charge more for projects they know will be financed through
PACE, said Hiraldo said.
However, Lemyre said he has seen no direct evidence that contractors inflate
prices for PACE programs, adding that Ygrene encourages homeowners to
solicit competitive quotes just as they would if they were funding a project
with cash savings.
Would-be borrowers must understand a key part of how PACE financing
works, Hiraldo said. "People need to know that a lien will be recorded against
their home. That lien can make it difficult, if not impossible, to refinance or
sell their home without first paying it off."
Early promotions for PACE loans — and even material still circulating today —
described the financing as an assessment that stays with the house and not the
owner. Because it is recorded with the property's local taxes, the debt
theoretically can be transferred with the home to a new owner.
That could work if a buyer can afford to pay cash or can swing a mortgage loan
not insured by Fannie Mae or Freddie Mac. But Fannie and Freddie, as well as
the Federal Housing Administration and the Department of Veterans Affairs,
won't insure mortgages with PACE liens because those liens go to the front of
the line for repayment if a borrower defaults.
Because the federal programs won't insure mortgages on homes with PACE
loans, many traditional lenders won't either, meaning the transferability
advantage primarily benefits sellers in cash -only transactions, or through
specialty lenders.
So what happens when a homeowner with a PACE loan wants to sell? Get
ready to find a way to pay it off before sitting down at the closing table.
For projects financed before the third quarter of 2017, Ygrene charges a
prepayment penalty of 5 percent of the balance of the debt. That penalty was
discontinued late last year for new customers only, Lemyre said.
Customers have also complained of being charged $loo just to learn the
payoff amount of their loan. Lemyre said the $loo fee was collected by a third -
party administrator hired to record transactions and get them on local tax
rolls. Recently, Ygrene negotiated the fee down to $5o per inquiry, he said.
Markisha Collins, who with husband Johnny Collins Jr., used Ygrene to
finance installation of impact -resistant windows and doors in 2016, said they
weren't made fully aware that their PACE financing showed up as a lien
against their property until getting a phone call from the title company
involved in the upcoming sale of their house. It added a major complication to
their sale efforts, she said.
She recommends that homeowners use PACE only if they know they plan to
stay in their house for the length of the payback period.
If you're going to be in your home for a lifetime, do it, by all means," she said.
The new impact windows and doors undoubtedly enhanced the value of the
1,10o square -foot home the couple bought for $6o,000 in early 2016 and now
plan to sell for well over $1oo,000.
But if you are young and thinking about selling your home soon ... it could be
a hassle."
s R
TOTAL HOME PERFORMAHCE
0000
Billing Address
Bruno Total Home
www.BrunoTotal,com
239) 59-BRUNO / (239) 592-7866
SWFL Main Office
28731 South Cargo Court
Bonita Springs, FL34135
Imp Office
249 S 78th St
Tampa, FL 33619
Estimate Details
Estimate 2
Joh
Estimate Date
Completed Date
Technicians
Customer PO
Job Address
MIN
2
Moving system vertical in garage and cu on right side of house
Task tl
LB -P30
codel0
codel
rf8
Description
PREMIUM 4 Star - 3.0 Ton
Louis Bruno Signature Series
PREMIUM 4 Star 2 Stage Condenser
LBSSP/AHP 36 PREMIUM 4 Star V/S Air Handler.
Startup Airflow Analysis INC
Permit.
Primary Float Switch
Secondary Float Switch
Surge Protection IN
Surge Protection OUT
Hurricane Straps
New Condenser Slab.
1+2 +3 +4 Stage Biocide Chamber.
Corrosion Inhibitor.
Heat Pump Risers
NEST Thermostat
Chemical Clean Drainline.
Engineered Drawing Required
Charcoal -Lined Antimicrobial Plenum Supply
Charcoal -Lined Antimicrobial Plenum Return.
Antimicrobial Supply Takeoff
Antimicrobial Return Takeoff
Supply Access Door Cleaning
Stage 4 titanium Dioxidizer
4 STAR WARRANTY"" which includes:
a Lifetime Compressor Unit Replacement Warranty.
16 Year Parts Warranty
16 Year Labor Warranty
16 Year Maintenance Agreement
Polarized Media Lifetimew/Club
Replace Existing(or place on top where applicable) or install Hurricane
Condenser Pad to local code
Hurricane Straps, highwind hurricane protection-BMPBMTD0611
repair/install system to manufacturer code repair/install system to CURRENT
county or state codes provide property protection awareness prevent future
damage
New Lineset with Install (every 50') multiple quantity
test and reset airflow start up system to manufacturer standards clean debris
and surface to manufacturer standards test and, check temperature differential___
use cleaning agent where necessary
Quantity Your Price Your Total
1.00 519,795.00 519,795.00
1.00 50.00 $0.00
1,00 $0.00 $0.00
1.00 50.00 $0.00
disc2 Package Discount
relocate discount
LBBSAHPTC42D14 LB -P30 -AH
LESS AVPTC42D14A
LBBSAC3C1 6036 LB -P30 -CU
LBSS DSXC160361A
1.00 $-3,000.00 $-3,000.00
1.00 $0.00 $0.00
1.00 $0.00 $0.00
Sub -Total $16,795.00
Tax '$0.00
Total $16,795.00
239) 59-BRUNO / (239) 592-7866 / www.BrunoTotal.com
Licensett C9C1818967 / CGC1525786 / CFC1429760 / EC13008140 / EPA Certified Tedmidans
PACE/YGRENE program applications we will pre authorize you for at least 53,000 until project completion authorization due In MI. The below signed thus the authority to order the above labor and materials on behalf of the above named purchaser. The labor and materials described abovehavebeencompletelyandsatisfactorilyperformedandfurnished. The above described materials shall remain property and title to same shall be retained byBrunoTotalHomeuntilpaymentismadebypurchaserinfull. Bruno Total Home is not liable for any defects In labor or materials unless the purchaser giveswrittennoticeofsuchdefectswithintendaysfromthedateofthiscontract. Payment in full is due upon receipt of this invoice and payable upon completion ofwork. Purchaser agrees to pay all costs of collection including any reasonable attorneys fee. In case this contract is not pald in full when due and same is placesinthehandsofanattorneyforcollection, foreclosure, or repossession, whether suit be brought or not. All delinquent payments shall bear a service charge of1.5% per month until paid. Purchaser waives demand and all requirements necessary to hold it liable. Purchaser agrees that the said materials above describedwiUnotbemovedfromtheaboveaddresswithoutpriorwrittenconsentofBrunoTotalHome. Selling price of all parts and equipment are on an exchange basiswiththepurchaser's old parts and equipment Warranty on all parts per manufacturer's warranty policies, 30 day labor guarantee only on that portionpreviouslyserviced. Three Day Right of Revision is waived once equipment has been installed. Maintenance agreements are transferable but non refundable.
Bruno Kamp Pgrforptnpce tnstell otExtendecd Setylse MtnCustomerswhobuyEquipmentand/or Ductwork fnstallabons/replacements From Bruno Total Home Performance are eligible for the specific extended parts andlaborwarrantiesdescnbedonthisinvoice, under the following conditions; 1)Installations are paid for in ML at full retail pricing, no discounted Equipment orDuctworkinstallationsareeligibleforBrunoTotalHomePerformanceExtenedServicePlans; 2) annual maintenance on the equipment and/or annual inspectionsonductworkareperformedsolelybyanapprovedBrunoHornePerformancequalifiedcontractor, 3) the Extended Service Plan applies to the specific homeowner/customer who paid for the installation. at the specific address the equipment and/or ductwork was installed at. The Extended Service Plan is transferable. See the separate Extended Service Plan Terms and Conditions for complete details.
I• . • u 6../1 • In.• 1 V u , : .. i r f
ustomers are e i n. a or • : uno n ebme ervice epatr • arranty under the following conditions; 1) repairs are paid forat full retail pricing, no discountedrepairsaroeligiblefortheBrunolifetimewarranty, 2) annual maintenance from Bruno is performed on the equipment the eligible repairs were completed on; 3) the lifetime warranty applies to the specific home owner/customer who paid for the repairs, at the specific address the equipment is/was located at and to thespecificequipmentrepairsweremadeto/on. The Lifetime Service Repay Warranty is non -transferable to a new home owner and becomes void if annual
pm
aiinnttletnance is
ingot
performed at regular maintenance pricing or under a service agreement by Louis Bruno, LLC dba Bruno Total Home.
The foflolIng wili apply to your contract if a permit is required. Per county ordinance a permit will be required for the work being performed at your property InordertocompleteyourpermitwewillneedtoobtainandrecordaNoticeofCommencementHyourHVAC1jobexceeds $7500 or Electrical job exceeds 52500. Upon completion of the work performed we have to schedule and pass a Fuel Inspection with the county within 6 months. Inspections with the county must becompletedMonday -Friday within the time frame of 8 a.m to 3 p.m with the exception of holidays. We can not guarantee a specific time as the county onlyacceptsrequests. You must be available for the inspection as the county will fail the inspection if the property rs vacant. H you schedule an inspection vnth us andfailtobepresentfortheinspectionyoucanbeheldaccountableforanyreschedulingorfailedfees. 11 we are unable to schedule an inspection with you withinthefirst6months, you can be held accountable for expired permit issuance fees to reissue your permit Permits with unsuccessful attempts to contact forschedulingwillbeturnedovertothecountyandopenpermitswithyourpropertycandisabletheissuanceoffuturepermitsandyoucanincurfinesatthe sale ofyourproperty. Upon full satisfaction of a permit the county will issue a Final status or CO (Certification of Completion) for the permit issued to your property. YouconobtainacopyofyourCOorFinaledpermitfromthePermittingDepartment.
ht celByysigninnggtfmisdocumentyou the customer are aware and agree to all disclaimers above. You as the customer have the right to cancel any and all service(s) within 3 days of signing this contract. All sales are final If you choose to cancel the transaction please notify us In wrh ing at the business address referen adabove. Bruno
rruuReitz
Bruno
Home reserves the right to file properly liens if payments) are not received.
bo
Bruno Total Home Performance has a 10096 'satisfaction with our worlonanshi ' guarantee which meansthat we will correct any situation where ourworkmanship,based solely on the decision of an authorized representative ofBrunoTotal Nome Performance, is not up to Bruno quality standards or generallyrecognizedidustryperformancestandards. We will NOT correct workmanship issues based solely on customer 'opinions, or other contractor opinions on ourworkmanship. All warranties or agreements for future service from Bruno will become null and void if there has been changes made by either the customer oranothercontractortoBruno's workmanship. We are professionals and stand behind our worlamanship in the industries which we serve. Therefore, there is a NOREFUNDpolicyonworkwecompleteandreceivepaymentforfromacustomer.
FLORIDA HOMEOWNERS' CONSTRUCTION
RRY FUND
PAYMENT, UP TO A UMflED AMOUNT, MAY BE AVAILABLE FROM THE FLOftOIDA HOMEOWNERS' CONSTRUCTION RECOVERY FUND IF YOU LOSE MONEY ON APROJECTPERFORMEDUNDERCONTRACT, WHERE THE LOSS RESULTS FROM SPECIFIED VIOLATIONS OF FLORIDA LAW BY A LICENSED CONTRACTOR. FORINFORMATIONABOUTTHERECOVERYFUNDANDFILINGACLAIM, CONTACT THE FLORIDA CONSTRUCTION INDUSTRY UCENSING BOARD AT THE FOLLOWINGTELEPHONENUMBERANDADDRESS:
Construction Industry Licensing Board
2601 Blal'rstone Road
Tallahassee Florida 32399-1039
8`!0)487.1395
11/2/2018
Terms & Conditions
1. All orders not paid in full in advance are subject to approval by the Company's credit department.
2. This proposal may be withdrawn by the Company if not accepted within 30 days
3. The company shall provide only trained and qualified technicians employed or supervised by us.
4. All labor is to be performed during the Company's regular working hours, unless noted in this proposal.
5. Warranty work is performed during the Company's normal business hours, but can be performed after normal hours
if Customer pays the difference between standard labor rate and overtime labor rate.
6. Until final payment is made, the company will retain the title to all materials and equipment it installs.
7. Unless noted in this proposal, payment is due in full upon completion of work. A monthly finance charge equal to
the highest allowable interest rate may be levied on Customer's account if delinquent over 30 days. We reserve the
right to charge the credit card on file for the balance in full upon completion.
8. In the event Customer's account must be referred to attorneys for collection, Customer agrees to pay reasonable
attorney fees, court costs and other collection costs.
9. Customer will carry fire, extended coverage and other necessary insurance.
10. Customer shall assume risk of Toss or damage to equipment after it is set in place on the job.
11. Every attempt will be made to complete the work on the date(s) specified, but because the Company may have no
control over equipment availability and delivery, all completion dates are estimates only.
12. The Company shall not be able liable for damage, loss or delay resulting from fire, explosion, flooding, the elements,
labor troubles or any other cause beyond our control.
13. As part of my compensation for contractors' performance I agree to waive any rights I now have or may have in the
future to the use of my name in any contractors' advertisement or any other social media disclosures. 1further
consent to the disclosure and use of my name and authorize the taking and use of photographs of any
Improvements done by contractor in any media what so ever and wave entitlement to any compensation.
14. The Company shall use ordinary care in performing all work, but shall not be liable for incidental or consequential
damages, or shall it be liable for injuries to persons or damages to property except those directly caused by
negligent acts of the Company's employees.
15. The Company shall not be responsible for any damages incurred due to inability of the building structure to property
support the installed equipment, or for expense incurred in moving, replacing or refinishing part of the building
structure necessary for the performance of any service or installation, unless otherwise noted on the proposal.
16. The Company shall not be liable for any present and future taxes, charges or other governmental fees, or any items
of equipment, Tabor or special tests required or recommended by insurance companies, equipment vendors or
governmental authorities.
17. The Company shall not be liable for the identification, detection, abatement, encapsulation, storage, removal or
transportation of any regulated or hazardous substances. Regulated or hazardous substances may include, but are
not limited to asbestos, certain refrigerants and refrigerant oils. If any such products or materials are encountered
during the course of work, the Company can discontinue work until regulated or hazardous materials have been
removed or hazard or liability is eliminated. The Company shall receive an extension equal to the time of delay to
complete the work and reserves the right to be compensated for any Toss due to delay.
18. This agreement contains the entire understanding between the Company and the Customer, any modifications,
amendments or changes must be in writing and signed by both parties.
19. Maintenance Agreements are NON-REFUNDABLE, but transferable,
GreenSky
PO Box 29429
Atlanta, GA 30359
January 8, 2019
Via U.S. Postal Service
RE:
To whom It may concern,
Thank you for contacting us regarding the GreenSky Credit account ending Ia received
the complaint and conducted an Investigation of the Issues that were brought o our attention. On behalf of the
GreenSky program (the "Program"), we apologize for any inconvenience you have experienced in connection with the
merchant, Bruno Total Home, (the "Merchant"). I have researched your concerns and hope the information provided in
this letter adequately addresses those concerns,
GreenSky contacted the merchant and requested all signed documents and a summary of events associated with the
account. The merchant provided their contract for the project that acknowledg iiSky account
would be charge to pay for the project. Our investigation determined that are that the merchant
was going to charge the GreenSky account per the authorization on the contract. er t ie loan agreement, GreenSky is a
loan servicing company and provides approved loan funds to the Merchant as authorized by the customer. GreenSky is
not the supplier of project goods and services. As set forth in the loan agreement, "By providing the account number to
the Merchant, the customer authorizes the Merchant to transact on their account, as is stated in their loan documents,"
ccount was reviewed and determined that he contacted GreenSky on November 4, 2018 and spoke
and he acknowledge that the account was open and stated the project was incomplete. Please have
orm GreenSky with what was not completed with the project. Please inform at he is
e or the loan and obligated to make monthly payments. GreenSky considers the complaint to be resolved and
closed.
At GreenSky we strive for excellent customer service, and we regret any experience with the Merchant you have had.
Should you have any further questions, please do not hesitate to contact me at 855-399-0600 ext. 962.
Sincerely,
Brandon Dennis
Executive Response Specialist
Brandon.Dennis@greenskycredit.com
855) 849-0088 ext. 6615
12/28/2018 FRI 14:51 FAX
IN THE CIRCUIT COURT OF THE TWENTIETH JUDICIAL CIRCUIT
IN AND FOR LEE COUNTY, FLORIDA
LOUIS BRUNO, LLC, d/b/a BRUNO
TOTAL HOME PERFORMANCE,
a/k/a Bruno Total Home, a Florida limited
liability company
vs-
Plaintiff,
Defendant.
VE,FXED COMPLAINT
COMES NOW, the Plaintiff, LOUIS BRLTNQ, LLC, d/b/a BRUNO TOTAL HOME
PERFORMANCE, a/k/a Bruno Total Home, (hereinafter referred to as "BRUNO") a Florida
Limited Liability Company, and hereby sues Defendant,
and would allege the following:
T>JRISDTCQIL ALLEGATIQN
1. Plaintiff, LOUIS BRUNO, LLC, d/b/a BRUNO TOTAL HOME
PERFORMANCE, a/kla Bruno Total Home, at all material times hereto, is a Florida limited
liability company, with its principal office located in Lee County, Florida and who is engaged in
doing business in Lee and Collier County, Florida.
1
0002/014
12/28/2018 FRI 14:51 FAX
2. Defendant,
0003/014
at all material times is
a resident of Lee County, Florida, and who signed a personal guarantee for all work performed
by Plaintiff.
3, The Defendant at all material times hereto is the owner of real property located at
the Plaintiff's products and to Defendant
were incorporated into Defendant's property, pursuant to a contract with Plaintiff, a copy if the
contract has been marked as Exhibit '1' and attached hereto and incorporated here,
4. All conditions precedent to filing this action have been met.
COUNT 1FORECLOSURE
5. This is an action againstto foreclose a construction lien
which exceeds $15,000.00 and re -alleges 1-4 above.
6. Plaintiff suesforeclose on a construction lien and this Court has
jurisdiction of the parties and the subject matter.
7. The Plaintiff supplied materials to imp property located at 1111110111
or about September 21, 2018, as required under the
contract with Plaintiff, a copy of the contract has been marked as Exhibit '1' and attached hereto
and incorporated herein.
8. Plaintiff is entitled to file, and has filed, a Lis Pendens on the property referred to
in Paragraph 3, a copy of the Lis Pendens has been marked as Exhibit `2' and attached hereto
and incorporated herein.
9, Plaintiff delivered a copy of the recorded Claim of Lien on or about October 9,
2018 via U.S. Mail Certified Return Receipt, copies have been marked as Exhibits '3',
2
12/28/2018 FRI 14:52 FAX
respectively — attached hereto and incorporated herein.
10. The services and materials supplied by Plaintiff pursuant to the contract were
furnished, with the knowledge and consent of the Defendant.
11, Plaintiff provided the last materials required on September 20, 2018,
12, The Plaintiff pursuant to the contract with 11111 is owed the amount of
20,450.00 for their materials and service.
13. Plaintiff has made demand upon the Defendant for payment, However, the
Defendant has refused to pay and continues to refuse to pay amounts due to Plaintiff.
14. Plaintiff filed a Claim of Lien on October 11, 2018.in the Office of the Clerk of
Court in and for Lee County, Florida, bearing Instrument Number 2018000242767, a copy of
which has been marked as Exhibit '4' attached hereto and incorporated herein,
15. A copy of the Claim of Lien was mailed to II. on October 9, 2018, a copy of
the certified mail receipt is hereto attached as Exhibit '3' attached hereto and incorporated
herein,
16. This is the homestead property of the Defendant.
17. Plaintiff has performed al) conditions precedent and subsequent required of it and
has fulfilled all statutory prerequisites under the Florida Construction Lien Law, Chapter 713,
Florida statutes,
18, Plaintiff has timely brought this action within the time specified in §713.22 of the
Florida Statutes.
19. Plaintiff has retained the undersigned law firm to prosecute this action and is
entitled to recover reasonable attorney's fees and costs pursuant to Section 713.29 of the Florida
3
0004/01a
12/28/2018 FRI 14:52 FAX 0005/014
Statutes.
WHEREFORE, Plaintiff, LOUIS BRUNO, LLC, d/b/a BRUNO TOTAL HOME
PERFORMANCE, a/k/a Bruno Total Home, a Florida limited liability company requests;
a. The Court finds that Plaintiff has a valid lien on the property;
b. That this Court determine the amount and priority of the lien;
c. That the sole of the property be ordered to satisfy the Plaintiff's lien if the amount
due to the Plaintiff is not paid;
d, That the right, title, and interest of the Defendant and all parties claiming by and
through, under, or against them since the filing of the Notice of Lis Pendeas is
foreclosed;
e. Thnt if the proceeds of the sale are insufficient to pa the sums due, a deficiency
judgment be entered for Plaintiff against the
f, That Plaintiff be awarded reasonable attorney's fees and costs for the necessity ofbriningthisaction-
COUNTIj
BREACH OF CONTRACT
16, Plaintiff incorporates and re -alleges paragraphs 1-4 above of this Complaint and
fully set forth herein.
17, The Plaintiff and Defendant entered into a contract whereby the Plaintiff was to
provide air conditioning services and equipment to the Defendant's residence located at on
a copy of the contract is being marked Exhibit
1' attached hereto and incorporated herein)
18. The Plaintiff provided materials and services and billed the Defendant
20,450.00. The invoice was delivered to the Defendant, but the Defendant refused to pay it in
its entirety leaving an outstanding balance.
19. Defendant has refused to pay the Plaintiff after a demand by Plaintiff was made of
the Defendant,
20. The failure to pay is a breach of contract between the two parties, and the
4
12/28/2018 FRI 14:53 FAX
Plaintiff, BRUNO is entitled to be compensated.
21. All conditions precedent and subsequent have been meet or waived.
22. Plaintiff has hired the undersigned attorneys law firm and has agreed to pay them
a reasonable fee for their services.
WHEREFORE, the Plaintiff would request a Judgment against the Defendant in the amount
of $20.450,00, plus interest, court costs, attorney's fees pursuant to the contract and any other relief
the court sees just and proper.
COUNT III
ACTION TQ IMPOSE EQUITABLE LJj
23, Plaintiff incorporates and re -alleges paragraphs 1 through 4 above of this
Complaint as fully set forth herein.
24. In the alternative and/or in conjunction with the relief requested above, this is an
action to establish, impose and foreclose an equitable lien on a residential home pursuant to
Florida Statutes §713.14, if Count I of the Complaint fails for any reason.
25. If Count I of the Complaint fails Plaintiff, BRUNO has no adequate remedy at
law.
14006/014
26. Plaintiff, BRUNO recorded a Claim of Lien, Instrument Number , in
the public records in and for Lee County, Florida, a copy which has been marked Exhibit '4' and
attached hereto and incorporated herein.
27. The Plaintiff did not perforrn air conditioning gratuitously, the Plaintiff is entitled
to an equitable lien on the property and enforce that equitable lien by foreclosure.
28. The property in question is a residential hone wherein the Defendant owns the
horde.
29. An equitable lien should be imposed and foreclosed on the Defendant's property
in favor of and for the benefit of the Plaintiff.
30. The Plaintiff, BRUNO, is entitled to recover reasonable attorney's fees pursuant
to Sectlon 713,29 of the Florida Statutes and the Contract,
WHEREFORE, Plaintiff demands the entry of an order/or a judgment against the
Defendant as follows! (i) imposing an equitable lien against the Defendant, as well as property or
other things of value derived from or traceable to such property, for the benefit of the Plaintiff an
5
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order to foreclose on the property at a public auction or Sheriff's sale and (ii) for such other and
further relief as the Court deems just and proper.
Respectfully submitted: [4 ! IX
Allorne s or Plaintiff
BY:
6
0007/014
CONSUMER FINANCIAL PROTECTION BUREAU
Docket No. CFPB-2019-0011
RIN 3170-AA84
RE: Advance Notice of Proposed Rulemaking on Residential Property Assessed Clean Energy
Financing
Introduction:
The Florida Alliance for Consumer Protection ("FLACP") welcomes the opportunity to provide
comments to the Consumer Financial Protection Bureau's Advanced Notice of Proposed
Rulemaking on Residential Property Assessed Clean Energy Financing (PACE). FLACP is a
nonprofit, nonpartisan enterprise whose mission is to advance consumer protection and tenant
rights through research, education, and advocacy. We will provide information, below, to the
major headings for which you requested comments.
Overall, our experience in Florida is many homeowners have suffered under the PACE program
for two major reasons: a failure by the third party administrator or contractor to make any
determination if the homeowner has the ability to repay the PACE loan; and, contractor
overreach, poor construction, and outright fraud leading to problems for the homeowner.
Florida residential PACE program was created by state law in 2010. State law allows for local
governments, as defined in the law, by ordinance or resolution, to create a PACE program.
Residential PACE was slow to start in Florida due to legal challenges to the law, including one
by the Florida Bankers Association over the super lien created for PACE loans. The Florida
Supreme Court dismissed the case for lack of standing in 2015, and the PACE program began to
grow after that.
I. Written Materials
Attached to our comments are:
Sample sales and financing contracts
News articles regarding problematic PACE contractors
Misleading PACE advertising
Foreclosure lawsuit where contractor failed to comply with PACE standards
II. Current Standards in PACE financing
Ability to repay lacking in Florida law (Question 1).
Florida statutes at 183.08(9) requires:
Before entering into a financing agreement, the local government shall reasonably
determine that all property taxes and any other assessments levied on the same bill as
property taxes are paid and have not been delinquent for the preceding 3 years or the
property owner's period of ownership, whichever is less; that there are no involuntary
liens, including, but not limited to, construction liens on the property; that no notices of
default or other evidence ofproperty -based debt delinquency have been recorded during
the preceding 3 years or the property owner's period of ownership, whichever is less;
and that the property owner is current on all mortgage debt on the property.
These provisions only provide protection to the lender, whether local government or third
party administrator. They provide no protection to the property owner. Further, no jurisdiction in
Florida has a true ability to repay (ATR) requirement. This lack of ATR is problematic because
these loans are marketed as government loans with only two requirements: 1) you are current
with your mortgage and 2) are not currently in bankruptcy.
Lack of underwriting and adequate approval (Question 2 and 3):
Any underwriting requirements would be established either by ordinance or a
memorandum agreement between local government, special district or interlocal agreement and a
third party administrator. No ordinance, to our knowledge, provides an ATR meeting the TILA
requirements.
Our experience is that each and every person we have spoken with were subject to no
underwriting and credit reports were not accessed. In fact, the contractors handle the loan
application and approval process during the first hour or two of the initial visit with the
borrower, knowing that if there is a problem with the lender accepting the documents later the
contractor can still file a foreclosure lawsuit against the homeowner for a mechanic's lien.
Homeowner's are also told by the PACE financing companies that the contractor
salesperson is responsible for explaining the nature and amount of financing and remedies if the
contract is not met. The sales people are not equipped with the knowledge to do so and also
spend the entire time with the potential homeowner client trying to upsell products and services.
The homeowner is told they must sign an electronic screen on a cell phone, tablet or in
some circumstances a lap top computer for a "credit check." However, review of credit reports
and the absence of any passage of time between the first visit and the start of construction)
shows the reports were not consulted. Instead the electronic signatures are transferred without
the consumer's knowledge to a home improvement contract, loan documents, notices of
commence and even notices of completion. Construction contracts also state that if the work
starts before the three-day rescission period has elapsed then this three right of rescission is null
and void.
PACE Providers, as selected by each local government, special district or interlocal
agreement, determine who is eligible to enter into a financing agreement. The PACE Providers
determine the financing terms. However, it appears the financing "decisions" and determining
eligibility is generally approved almost instantaneously with the first visit by the contractor
leaving the PACE provider out of the loop. Many consumers do not know they have a loan until
well after the improvements or attempt at improvements have been made.
Information provided to consumers (Questions 4 and 5):
There is no state law requirement and thus no uniformity in Florida about requiring
PACE providers to disclose project costs, fees, interest rates, and annual and monthly repayment
terms in a simplified document.
Consumers report that they never have any contact with the lender until after the
improvements are completed and did not even know they were being approved by a third party
for a loan. There are no disclosures of any type given relating to the financing agreement. They
are also learning, much later, that the FTC Preservation of Claims and Defenses Rule does not
apply. 16 C.F.R. §433. Therefore, when the construction materials are not provided, do not
work, are not properly installed, some homes even being damaged in the process, they have no
recourse against the creditor. The lenders have abdicated their responsibility to explain the cost
of credit and other financing details to the contractor sales people. The sales people do not have
the time or information to explain this complicated financing structure.
Further, consumers are not given an estimate of costs and are not given final amount
assessed until after the work is completed. Contracts claim that if the provision of
services/materials takes place before the cost of credit and explanation of credit terms are
provided, these consumer protections are waived. They are not told that the loan creates a lien on
their home nor that it will be a special kind of lien. They are not told how much they are
borrowing, how much interest they are being charged or any other cost -of -credit information
before the loan is final. They are also not warned of the consequences of non-payment.
The actual documents and cost and other information is provided by the contractor after
the work is complete. The creditor only comes into the picture well after the contractor has left,
job complete or not. Often false work completion certificates are created and forged by the
contractor.
Role of state and local government in originating, underwriting and financing obligations
Questions 6 and 7):
State law provides that local government is responsible for originating, underwriting, and
financing obligations of PACE loans. Local government, pursuant to state law, may delegate this
role by ordinance or resolution, to third party administrators. Generally speaking, the initial
financing contract is with one of the PACE lenders/third party administrators.
Relationship between PACE financing agreement and the home improvement agreement
Question 8):
There are always two contracts, one for the home improvements and one for the
financing. Both types of contracts are governed by the Florida Home Improvement Sales and
Finance Act, Chapter 520, Part V. Unfortunately, neither the contractors nor the creditors follow
these laws. They appear to think they are exempt. If in the contractor's haste to consummate the
loan (and the home improvement contract) it creates a loan that the PACE provider will not
accept, the contractor just sues to take the consumer's home in foreclosure based upon Florida
mechanic's (construction) lien laws. Chapter 713, Part I, Fla. Stat. More often than not these
foreclosure lawsuits are filed against homeowners who cannot afford an attorney and whose
home is in worse condition than when the contractor showed up to tout the PACE program.
III. Civil liability under TILA for violations of ATR requirements in connection with
PACE financing, as well as rescission and borrower delinquency and default
Rescission rights (Question 12):
State PACE loan law provides for no rescission rights for the borrower. Further,
borrowers are not provided with the federal Truth in Lending rescission remedy. The financing
contract may provide for a three-day cooling off period as required by our home improvement
sales and financing act for the home improvement contract or the financing contract. §520.72,
Fla. Stat. Unfortunately, because homeowner's do not see the financing contract until weeks,
often months after their signature is electronically forged on a financing contract this right has
been lost. The failure to provide copies of the home improvement and financing contract
happens with such regularity that it is clear the contractor does not want the borrowers to know
they have the right to cancel. Work begins immediately, so even if the borrower has a copy of
the contract, it is too late to stop the contractor from acting against their best interests. The three-
day cooling off period is provided to every consumer in every other kind of home improvement
and home improvement financing contract, even contracts which do not provide such serious and
life -altering remedies as the PACE loans provide upon default.
Obligations after delinquency or default (Question 13):
If property owner has a mortgage and the mortgagee is escrowing the property tax
assessment, the property owner would be subject to the usual Florida foreclosure procedure for
failure to pay his or her mortgage if they become delinquent on the mortgage payments because
of an increase in the monthly mortgage payment to cover the increase in the monthly escrow
amount. Borrowers who become obligated on PACE financing find their monthly mortgage
escrow payments (added to the monthly principal and interest) skyrocket to unaffordable levels
leading to foreclosure. If the property owner is paying his or her taxes directly to the local
property tax collector, then the process would follow state law for imposing a lien for failure to
pay the tax assessment. Neither state nor federal law provide a loss mitigation program.
IV. Features of PACE financing that make it unique and how the Bureau should address
those unique features
Financing options for PACE (Question 14):
Florida PACE Funding Agency — AllianceNRG Program
Ygrene Energy Fund Florida
Greenworks Lending
PACE Funding Group, LLC
Renew Financial
Renovate America
Solar and Energy Loan Fund
Consumer repayment (Question 17):
Consumer payments are made through the tax payment process with the local tax
assessor. However, if there is a mortgage on the property owner's property, payments would be
made by the mortgagee. The mortgagee would require that the property owner increase their
monthly mortgage payment to cover the increased cost of the taxes. These amounts are held in
escrow by the mortgagee until the tax payment becomes due.
State law provides at 163.08(4), Fla. Stat.: Subject to local government ordinance or
resolution, a property owner may apply to the local government for funding to finance a
qualifying improvement and enter into a financing agreement with the local government. Costs
incurred by the local government for such purpose may be collected as a non -ad valorem
assessment. A non -ad valorem assessment shall be collected pursuant to s. 197.3632 and,
notwithstanding s. 197.3632(8)(a), shall not be subject to discount for early payment. However,
the notice and adoption requirements of s. 197.3632(4) do not apply if this section is used and
complied with, and the intent resolution, publication of notice, and mailed notices to the property
appraiser, tax collector, and Department of Revenue required by s.197.3632(3)(a) may be
provided on or before August 15 in conjunction with any non -ad valorem assessment authorized
by this section, if the property appraiser, tax collector, and local government agree.
Energy savings (Question 21):
State law does not require calculation of energy savings. We have had reports from
consumers that instead of savings their energy bills increase because the materials and labor are
substandard, in some instances the bills are much worse or the equipment does not work at all
because it is the wrong equipment, was improperly installed or not installed at all.
Impact to consumers' ability to meet financial obligations (Question 22):
Many property owners have faced losing their homes because of the increase in their tax
assessments in an amount they could not afford. For example, a retired beautician in central
Florida saw her annual tax assessment triple. This caused an increase in her mortgage escrow and
monthly mortgage payment from $288 to $600. She fears she will lose her home because of the
financial strain this increase has on her fixed income. Her PACE loan was financed through
Ygrene and she was assured the loan would not affect her mortgage. She now owes over $14000
at 7.88% for a new HVAC unit that is not working properly since installation.
PACE liens (Question 23):
A PACE tax assessment lien is treated no differently than any tax assessment lien. It is
added to the property owner's non -ad valorem tax assessment. Additionally, Florida
homeowners are subject to construction liens if they fail to pay contractors for improvements. If
the PACE loan falls through at origination because of contractor origination error the borrower is
subject to a construction lien or "equitable" foreclosure. Further, many PACE loan financers
tout that homeowners are protected by a requirement that the homeowner must certify the repairs
are adequate before the contractor will be paid. In some cases, this has resulted in the
homeowner being subject to a construction lien.
Mortgage escrow accounts (Question 24):
The property owner's PACE non -ad valorem tax assessment is added to the mortgage
escrow account, thus causing an increase in the homeowner's mortgage payment. Since the
mortgagee, by state PACE law, receives notice of the pending PACE loan, triggers the servicer
to increase the escrow fee due each month accordingly. Here is state law:
163.08(13) At least 30 days before entering into a financing agreement, the property
owner shall provide to the holders or loan servicers of any existing mortgages
encumbering or otherwise secured by the property a notice of the owner's intent to enter
into a financing agreement together with the maximum principal amount to be financed
and the maximum annual assessment necessary to repay that amount. A verified copy or
other proof of such notice shall be provided to the local government. A provision in any
agreement between a mortgagee or other lienholder and a property owner, or otherwise
now or hereafter binding upon a property owner, which allows for acceleration of
payment of the mortgage, note, or lien or other unilateral modification solely as a result
of entering into a financing agreement as provided for in this section is not enforceable.
This subsection does not limit the authority of the holder or loan servicer to increase the
required monthly escrow by an amount necessary to annually pay the qualifying
improvement assessment.
Additional information (Question 25):
Borrowers are not provided the pre -consummation, cost -of -credit information required by
TILA and state law (Chapter 520.73, Fla. Stat.); are not protected by 16 C.R.F. 433 (FTC
Preservation of Claims and Defenses Rule; have no protections similar to those provided in 12
C.F.R. 1024.41 (Regulation X, Loss Mitigation)
V. Potential implications of regulating PACE financing under TILA (this seems to be a
section we should focus on — I have written Michael Best about any template answers that
might be available — at least so we can be consistent nationally.)
Benefits of ATR requirements in TILA and Regulation Z (Question 27)
First, we would argue that the requirements already exist. Making these protections clear
would provide consumers the assurance that an ATR requirement will help prevent entering into
financing arrangements that the consumer subsequently cannot afford, thereby putting their
homeownership at risk. A home is by far the largest purchase most consumers will make in their
lifetime and thus, these protections should be clear and unequivocal.
Specific ATR provisions under TILA and Regulation Z (Question 30):
The ATR concept is essential to the PACE loan process. The stakes in these types of
loans are the same if not higher than any type of consumer credit including residential mortgage.
ATR requirements are the bare minimum for any type of consumer credit. The ATR standards
for lenders to meet are a bare "reasonable and good faith" determination of a borrower's ability
to repay. The documents required have historically been required by all types of lenders from
motor vehicle finance companies to mortgage lenders. The only time over the last several
decades when inflated "no document" loans flooded the market, the crash of 2008 occurred.
The following are the minimal requirements which should be applied to PACE loans:
A review of *consumer's credit history and present and anticipated income
other debt and debt and income ratio (residual income)
employment status and other sources of income
Because the repayment schedule requires steep payments as a result of the lack of
frequency of payments and because the stakes are high — the potential for loss of one's home,
this information is a crucial part of underwriting.
The requirement that the loan is not based upon the equity in a potential borrower's home
is also crucial. Any loan which is not based upon a consumer's ability to pay has all of the
hallmarks of a predatory loan and has caused fraudulent practices among illegal contractors,
licensed and unlicensed, who say they will provide materials and services and then get their
checks and leave the county. The lenders are far removed from the actual construction and do
not monitor the contractors they allow to access the loans.
Providing loans based only on the amount of equity in a borrower's home is a sure sign
that foreclosure will be imminent.
Tailoring of existing TILA ATR requirements (Question 31 and 32):
There requirements referenced above would not require any tailoring of the ATR
statutory provisions or regulations. The only potential effect it would have on the contracting
and origination process would be that the contractor would be less able to start work before
financing is established. Contractors are already required by Florida law to allow a three-day
cooling off period, unfortunately PACE contractors ignore this requirement. In ordinary second
lien financing this practice would be called "spiking" and is a trademark of a predatory loan.
These requirements would mean that fewer consumers would find themselves in loans they
clearly cannot afford and fewer consumers would find themselves homeless.
Application of other provisions (Question 33):
Consumers should be entitled to receive the cost -of -credit information prior to
consummation. More accurately, consumers should also receive the HOEPA disclosures required
three days prior to execution of a loan so they understand the amount and timing of payments,
APR and, particularly that they run the risk of losing their home and all of the equity established
in their home. They should also receive the materials disclosures with the right of rescission as a
remedy when not provided.
Property owner stories of problems with PACE loans in Florida:
Client 1: Contractor inspected property owner's roof for free. Quoted $5000 to
fix"/replace roof under a "Government Program with zero interest and no payments until 2019.
Contractor had property owner sign and initial form on a mobile device. Since the home was
titled in both property owner's name and his former wife, Contractor requested property owner
forge his wife's initials and signatures on the mobile device and DocuSign. Property owner
refused and obtained his former wife's approval and signature. Property owner found out that he
was charged almost $13000 for the roof repair when he went to investigate why his property tax
bill had increased significantly.
Client 2: Property owner had a leak in his skylight but no other roof leak. Contractor
inspected the skylight and roof and quoted $13,000 to replace roof with zero interest under a
government program that would not require payments until 2019. He was asked to sign on a
mobile device and could not adequately read the documentation. He read none of the
documentation but trusted the contractor since it was a "government program."
Client 3: Property owner's HVAC system was 7 years old and was not working properly.
Contractor state that Ygrene was a government program that would allow him to purchase a new
HVAC for zero interest with payment over a 10 year period. Contractor told him that the cost of
the HVAC through the government program was $13,000 and that it would include a 10 year
maintenance for the life of the HVAC. Residential property is 1100 square feet. Property owner
did not question the price or the terms assuming that the government program provided fair and
just process. He found out he owes approximately $25,868 (principal and interest on a 20 year
term at 7.49% interest) when he received his property tax bill and noticed an increase of
1293.41. He had not shopped around for other vendors assuming that a government program
would provide him the best terms.
Client 4: About two months after Hurricane Irma, representatives from Ygrene, or people who
identified themselves as representatives of Ygrene, were knocking on all the doors in property
owner's neighborhood. In this case, the Ygrene representative was in her late 30's or early 40's.
She said that Ygrene PACE as a Government of Florida Program that was there to help property
owners recover from Hurricane Irma. Therefore, he trusted her. Property owner had a tarp on the
roof and the AC had been ripped out. Property owner was concerned about mold. The Ygrene
representative said she would contact the contractors/vendors directly and property owner did not
hire the company directly. Property never spoke directly to the contractors. The Ygrene
representative had shingle samples and AC brochures with different model ACs. She said she
had all the Ygrene government forms, that there were no payments for a year, and zero to very
little interest. Everything was done electronically so he could not really read the contract. The
same Ygrene representative came to his house two times. Property owner is still unsure of who
did the work on his home.
Client 5: Representatives that said they were from Ygrene knocked on property owner's door.
Bruce from Ygrene Florida State Corridor came to her home and said he was the representative
of a government program that was there to help after the hurricane. Half of property owner's roof
had been lifted and damaged. Email property owner received from Bruce listed him as Bruce
Wayne with Ygrene Florida State Pace Program, but the company was Summitwood Works. But
he told property owner he was from PACE Green Program which was a government program.
She signed the documents on a mobile device and was told a contractor would be arranged.
Bruce told her the total for her roof was $8192 (of which $2000 should have been deducted as it
was paid directly to him by Red Cross). She was told by Bruce the remaining amount would be
deducted from her mortgage escrow at the end of the year at zero interest for five years. When
she received her property tax bill, she realized that she could not afford the amount and had to
refinance her home for another 30 years to be able to afford the new debt. Her previous mortgage
had three years remaining.
Client 6: Contractor came to her home and gave the homeowner an estimate and during
this same meeting told consumer he was pulling her credit to see if she qualified for a PACE loan
and/or another type of financing. She electronically signed her signature on a cell phone
authorizing a credit check only. She agreed verbally to a $6,700 duct system for her home. The
improvements were sloppily made and incomplete. The "new" system did not work and
according to the County Inspector the new wiring looked like spaghetti. The contractor failed to
properly complete the financing documents and filed a Claim of Lien in the amount of
20,450.00. The contractor forged the borrower's name on the Notice of Commencement. He
also had the document notarized well after he left the home. The repairs started before financing
was arranged. Several of the other transactional documents were notarized, there was never a
notary present. The consumer is being sued for foreclosure as a result of a claimed mechanics'
lien. The work was commenced without a permit and began immediately after the cell phone
signature was provided.
Client 7: An air conditioning system was partially installed without a permit, the Notice
of Commencement was never signed by the consumer. The sales representative for the contractor
refused to disclose the amount the PACE program lender had agreed to lend. The consumer's
credit was pulled without his permission which decreased he and his wife's credit scores. They
never applied for credit with the eventual lender, GreenSky and never signed any loan
documents with GreenSky. The contractor's sales representative forged the consumer's names
onto the loan documents and then unilaterally contacted the lender to authorized draws from the
credit to itself. The total amount charged was $38,745.00. The lender agreed the materials and
services were incomplete but will not work with the consumers regarding their very inflated
loan.
Client 8: Client is over 60 and not familiar with home improvement contracts or loan.
The contractor started the project before the consumer agreed to sign a financing contract. After
she was given the total cost of the project and did not agree to pay, the contractor said they could
not put the old equipment back in and threatened that she'd be left without air conditioning in
South Florida. The consumer felt she had no choice but to let them continue the substandard
work. She still has not signed the home improvement contract but is obligated to pay $20,000
through her property taxes. Her tax payments are escrowed so her monthly mortgage payments
will be triple the usual amount and unaffordable leading to the loss of her home for services and
materials that were not properly installed.
grene
PROJECT DETAILS
PROJECT ID:
DISTRICT:
PROPERTY ADDRESS:
OWNER NAME(S):
TRUST:
LEGAL ENTITY:
Green Corridor
PROJECT COSTS
PAYMENT 1:
PAYMENT 2:
PAYMENT 3:
Final Closing Statement
STATEMENT DATE: 08/01/2018
FUNDING DATE 07/31/2018
Green Corridor
FINANCING SUMMARY
119)00.00
TOTAL PAYMENTS
ELECTIVE FEES
PRE -PAYMENT WAIVER FEE:
BUYERS POINTS FEE:
819,800.00
80.00
TOTAL ELECTIVE FEES 10.00
CAPITALIZED INTEREST: 83,783.70
TOTAL INTEREST 83,763.70
AI" 4111111.11.111111111111
PROGRA".1FEES
APPLICATION FEE:
PROCESSING & UNDER/AWING FEE:
JURISDICTION COST RECOVERY FEE:
RECORDING & DISBURSEMENT FEE:
TITLE & ESCROW FEE:
ENERGYAUDIT FEE:
8125.00
8126.00
5100.00
66.00
ORIGINATION FEE: 10.00
BOND I HUS I BE FEE 590.00
PROGRAM RECOUPMENT FEE: x0.00
TOTAL PROGRAM FEES 1505.00
TOTAL SPECIAL TAX / ASSESSMENT
INTEREST RATE:
TERM (years):
08/01/2018
7.$40%
20
TAX FIRST PAYMENT DATE
YOUR FIRST
PAYMENT WILL BE:
CONFIDENTIAL
03/01/2021
TOTALS SUMMARY
TOTAL PAYMENTS
TOTAL PROGRAM FEES:
819,800.00
1505.00
TOTAL SPECIAL TAX/ASSESSMENT
Final Closing Statement
PROJECT ID: 111111.11,
lgrene
AMORTIZATION TABLE
Green Corridor
Installment Beginning Balance Payment Principal Payment Interest Ending Balance
1 $24,068.70 $2,368.14 $553.36 $1,814.77 523,515.33
2 $23,515.33 $2,368.14 5595.08 $1,773.05 $22,920.25
3 322,920.25 $2,368.14 $839.95 51,728,18 $22,280.30
4 $22,280.30 $2,368.14 568820 $1,679.93 $21,592.09
5 $21,592.09 $2,368.14 $740.09 51,628 04 $20,852.00
6 520,852.00 52,368.14 $795.89 $1,572.24 520,056.10
7 $20,056.10 52,368.14 $855,90 $1,512.23 $19,200.19
8 519,200.19 52,368.14 5920.44 51,447.69 $18,279.74
9 518,279.74 52,368.14 5989.84 51,378.29 317,289.90
10 517,289.90 $2,368.14 51,064.48 51,303.65 516,225.2
11 516,225.42 52,368.14 $1,144.74 51,223.39 515,080.67
12 515,080.67 52,368.14 51,231.05 51,137.08 513,849.62
13 513,849.62 $2,368.14 51,323.87 $1,044.26 512,525.74
14 512,525.74 $2,368.14 $1,423.69 $944.44 311,102.04
15 $11,102.04 $2,368.14 $1,531.04 $837.09 $9,570.99
18 59,570.99 32,368.14 $1,646.48 $721.65 $7,924.51
17 $7,924.51 $2,368.14 51,770.83 $597.50 56,153.87
18 56,153.87 52,388.14 $1,904.13 $464.00 54,249.74
19 $4,249.74 52,368.14 52,047.70 5320.43 32,202.03
20 52,202.03 32,368.06 $2,202.02 5166.03 $0.00
Total 847,362.72 824,068.70 523,294.02
Final Closing Statement
MVO 1/2013 PROJECT ID 11111111
CONFIDENTIAL
DocuSign Envelope ID'
sgrene
FINANCING ESTIMATE AND DISCLOSURES
DATE ISSUED: 6/18/18
PROPERTY OWNER(S):
TRUST:
LEGAL ENTITY:
Cape Coral
PROPERTY ADDRESS:
TERM: 20 years
PROJECT ID: 1111111111.11.11
EXPIRATION DATE: 09/16/2018
Notice to Property Owner: At least 30 days before entering into a financing agreement, you should provide the holders or ban servicers of
any existing mortgage encumbering or otherwise secured by the property a notice of the owners intent to enter into a financing agreement
together with the maximum principal amount to be financed and the maximum annual assessment necessary to repay that amount. You
have the right to request that a hard copy of this document be provided to you before and after reviewing and signing. The financing
arrangement described below will result In the levy of a special assessment against, and the recordation of a notice of a special assessment
lien on, your property which will be collected along with your property taxes. You should read and review the terms carefully and, If
necessary, consult with a tax professional or attomey.
This financing is not a loan, but rather a special assessment, and as such, descriptions below of "interest", "interest rate", "buyers points',
or "principal" are for illustrative purposes only, and should be taken to reference "Interest equivalent", "interest rate equivalent", "buyers
points equivalent', " or "principal equivalent", respectively. The Program is a financing program only. Neither Ygrene nor the Green
Corridor Property Assessment Clean Energy (PACE) District, is responsible for installation of the Qualifying Improvements or
their performanco.
Customer Service Toll -Free Telephone Number and Email: In the event you have a consumer complaint, questions about your financing
obligations related to the Agreement to Pay Assessments or your contractual rights under the terms of this contract, you can contact either
this toll-free telephone number or email address provided below and receive a response within 24 hours or one business day.
Toll -Free Telephone Number: 866-634.1358
Customer Service Email Address: r:u.slmmnr carPqyfrr•ne.corn
PRODUCT COSTS
Product Costs
including labor end installation)
UPFRRONT FINANCING CC, t S
Application Fees and Costs
Estimated Capitalized interest
Buyers Points Fee
515,500.00
Product Descriptions:
Central HVAC
One-time prepaid fees that are a cost of obta/ning financing.
50.00
Interest you must pay from estimated close dale to January 1^
S3,156.33 of the year in which you make your first assessment payment.
A fee which is financed and paid by you to reduce the interest rate and
0.00 reduce your Estimated Annual Special Assessment Payment (below).
Other Costs (Closing Costs)
Estimated Financed Amount
grene
CONFIDENTIAL
970.00 See Other Costs (Closing Costs) details on next page.
19,626.33
This Is the estimated total amount financed (product cost +
upfront costs). Final amount may differ based on actual close
date.
FINANCING ESTIMATE AND DISCLOSURES
08/22/2017 8 1DOCID: FLGC.1.0
DocuSign Envelope ID: 0548D335-E8DA-4C1 A-8FCC-064E8829AFB0
grene
Total cost of financing as an annual rate
Simple Interest Rate
8.897 %
7,54 %
Estimated Annual Administrative Fees varies
Estimated Annual Principal,
Interest and Administrative Fees 1,931.05
Collection fees may be added to the final assessment
amount These fees may vary and are based on changes
in the tax collector's Foos and policies. Ask the program
administrator for the current fees being charged.
Estimated Annual Special Assessment Payment and annual
administration fee. Final amount may differ based on close
dale.
Note: If your property taxes are paid through an escrow account, your mortgage lender may apportion the amount and add It to your monthlypayment. See "OtherImportant Considerations' below.
OTHER COSTS (CLOSING COSTS)
Appraisal Fees
Underwriting -Related Fees
Program -Related Fees
Credit Reporting Fees
Recording Fees
0.0o
190.00
No appraisal is required.
These fees cover processing and underwriting.
680.00 These fees cover origination, program administration
including Jurisdiction cost recovery fee) and bond trustee fee.
0.00 Any fees for credit reporting are included In program -related fees.
These fees are paid to the county in which your property is located
5100.00 for recordation of the lien and for disbursement.
Total Other Costs (Closing Costs) $970.00
CALCULATING CASH TO CLOSE
Estimated Financed Amount
Upfront Costs Financed
Estimated Cash (out of pocket) to close
OTHER TERMS
Prepayrrent Premium I/ No
grene
CONFIDENTIAL
lids
As detailed on the first page. These represent your Product
19,626.33 Costs, financing and closing nncts.
19,626.33 AM upfront costs ere financed as pant of the principal.
0.00
If Yes, you may prepay the full remaining principal amount for a 5% fee
assessed against such amount. The initial remaining principal prepayment
amount will not include principal and interest amounts already placed on the
tax roll and a subsequent payment for such amounts will be due after
payment of the remaining principal.
FINANCING ESTIMATE AND DISCLOSURES I8 2DOCID: FL.GC.1.0
Otg2
DocuSign Envelope ID: D548D335-E8DA-4C1A-8FCC-B64E8829AFB0
grana
ADDITIONAL INFORMATION ABOUT THIS FINANCING
Over the term of the financing (estimates): Use this information to compare with other financing options.
Financed amount you will have paid off
Amount of interest you will have pald
16,470.00
Financed amount you will pay including Product Costs excluding
Capitalized Interest + Buyers Points (if any) + the portion of
upfront costs associated with other costs (Closing Costs).
Amount of Annual Administrative Fees
22,.150.99.
Amount of interest you will pay on principal including Capitalized
interest + Buyers Points (if any) + the portion of upfront costs
associated with other costs (Closing Costs).
Amount of administrative fees you will pay. The fees are subject to
0.00 change by your county.
Total you will have pald
38,620,99
Total cost of financing as an annual rate
OTHER IMPORTANT CONSIDERATIONS
Buyers Points
Property Sale or Refinancing
Total amount you will pay In principal, interest, and administrative
fees.
Your costs over the term expressed as a rate. This is not your
interest rate.
I understand that if I have elected to pay Buyers Points to
lower my interest rate and reduce the Estimated Annual
Special Assessment Payments, the cost of such Buyers
Points will be added to my obligation. 1 also understand that If
I prepay my obligation, the full cost of Buyers Points likely will
not be offset by the reductions in my Annual Special
Assessment Payments.
I understand that I may be required to pay off the remaining
balance of this obligation by the mortgage lender refinancing my
property. If I sell my property, the buyer or their mortgage lender
may require me to pay off the balance of this obligation as a
condition of sale,
Tax Payment and Monthly
Mortgage Payments
Tax Benefits
Statutory Penalties
grene
Your special assessment payments will be added to your
property tax bill. Whether you pay your property taxes through
your mortgage payment using an escrow account or if you pay
them directly to the tax collector, you will need to save an
estimated for your first special assessment installment. If you
pay your taxes through an escrow account you should notify
your mortgage lender, so that your monthly mortgage payment
can be acju.slcd by your murtgac;e lender to cuvt.r you,
Increased property tax bill.
The failure to pay property taxes in full or in part will result In
financial repercussions including penalties, interest, the sale of
a lax certificate cn the property, and possible loss of the
property.
Consult your tax adviser regarding tax credits, credits and
deductions, tax deductibility, and other tax benefits available.
Making an appropriate application for the benefit Is your
responsibility.
OS rD9 .
OWNERi OWNER 2 OWNER 3 OWNER 4
OWNER 1 OWNER2 OWNER3 OWNER4
rci:
OWNER 1 OWNER 2 OWNER 3 OWNER 4
OS —DS
OWNER1 OWNER 2 OWNER 3 OWNER 4
If your property lax payment Is late, the amount due may bo
subject to a penalty, late fees, and per month interest penalty
as established by state law, and your property may be subject
to foreclosure.
CONFIDENTIAL
Ds
OWNER 1 OWNER 2 OWNER 3 OWNER 4
FINANCING ESTIMATE AND DISCLOSURES 08/2212017 3DOCID: FL.GC.1.0
DocuSign Envelope ID: D548D335-E8DA-4C1A-8FCC-B64E8829AFB0
tgrene
Three Day Right to Cancel You, the property owner, may cancel the contract at any time
on or before midnight ort the third business day after the date
of the transaction to enter Into the financing agreement
without any penalty or obligation. To cancel the financing
agreement, you may mail or deliver a signed and dated copy
of the contract with notice of cancellation to:
Ygrene Energy Fund, 2100 S. McDowell Boulevard
Petaluma, CA 94954
You may also cancel the contract by sending notification of
cancellation by email to the following email address:
cu stam a r.ca re (QZ yc ren e. co m.
CONFIRMATION OF RECEIPT
0S(
OWNER 1 OWNER 2 OWNER 3 OWNER 4
This confirms the receipt of the information In this form. You do not have to accept this financing just because you acknowledge that you have
received or signed thls form, and It Is NOT a contract.
Docusignod by:
grene
CONFIDENTIAL
18 June 2018
DocuSyned by;
iiir
18 June 2018
DATE DATE
DATE DATE
FINANCING ESTIMATE AND DISCLOSURES 08/22/2017
4DOCIDFLGC.1.0
DocuSign Envelope ID: D548D335-E8DA-4C1A-8FCC-B64E8829AFB0
www.YgreneWorks.com
RIGHT TO CANCEL
PROJECT ID :
PROPERTY OWNER(S) :
TRUST:
LEGAL ENTITY:
PROPERTY ADDRESS:
Your Right to Cancel:
You are entering into an Agreement to Pay Assessments and Finance Qualifying Improvements ('APA") with the Green Corridor PropertyAssessmentCleanEnergy (PACE) District (as assigned to Ygrene Energy Fund Florida, LLC, "District") for financing that will result in a propertytaxlienonthepropertyat:
You may cance s transaction, without cost, on or before midnight on the third business day after whichever of the following events occurs last:
1. The date on which you signed the APA.
2. The date you received your Financing Estimate and Disclosure.
3. The date you received this notice of your right to cancel.
If you cancel the transaction, the District, within 20 calendar days after the District receives notice of cancellation, must take the steps necessary toreflectthefactthat, if recorded, the Ilen on your property has been discharged and removed from the tax rolls, and the District must retum to you anymoneyyouhavegiveninconnectionwithyourapplication, not Including the application processing fee. After the District has done the things
mentioned above, you must return any money paid to you or on your behalf, whether to your contractor or any other person. All money must bereturnedtotheaddressbelow.
If you cancel the transaction:
You will not bo charged a cancellation foo(s) and
You will be refunded any money you havo given, excluding application end processing fees as applicable.
retie
CONFIDENTIAL
RIGHT TO CANCEL 08122/2017
DOC ID: FL.GC.1.0 1
DocuSign Envelope ID: D548D335-E8DA-4C1A-8FCC-B64E8829AFB0
www.YgreneWorks.com
How to Cancel:
To cancel thls transaction, you may submit this form to District In wnting at
YgreneWorks Program
c/o Ygrene Energy Fund
Attn: Right to Cancel Notification
Email: customer.care@ygrene.com
Phone: 866-634-1358
Address: 2100 S. McDowell Boulevard
Petaluma, CA 94954
Deadline to Cancel:
If you want to cancel this transaction, you must submit this form on or before midnight on the third business day after whichever of the following events
occurs last:
1. The date on which you signed the APA.
2. The date you received your Financing Estimate and Disclosure.
3. The date you received this notice of your right to cancel.
You may use any written statement that Is signed and dated by you and states your Intention to cancel, or you may use thls notice by dating
and signing below. If you cancel by mail, fax, or email, you must send the notice no later than midnight of the third business day following
the date on which you signed the APA. If you send or deliver your written notice to cancel some other way, It must be delivered to the above
address no later than the date indicated above.
I WISH TO CANCEL (ONLY SIGN HERE IF YOU ARE CANCELLING YOUR FINANCING.)
PROJECT ID: 111111111111111111
PROPERTY ADDRESS:
Property Owner Pilot Name
Property Owner Signature
grene
CONFIDENTIAL
Date
RIGHT TO CANCEL 08/22/2017 8 2DOCID: FL.GC.1.0