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Foreclosure HOA 42545-CY9-HOA NOTICE OF DEFAULT AND INTENT TO FORECLOSE To: Obligor (see Exhibit “A” attached hereto for Obligors and their notice address) This Notice is regarding that certain timeshare interest owned by Obligor in Cypress Harbour Condominium, located in Orange County, Florida, and more specifically described as follows: Unit Week (see Interval Description on Exhibit “A”) in Unit (see Interval Description on Exhibit “A”), in Cypress Harbour Condominium, according to the Declaration of Condominium thereof, as recorded in Official Records Book 4263 at Page 0404 in the Public Records of Orange County, Florida, and any amendments thereof. Pursuant to that certain Declaration of Condominium of Cypress Harbour Condominium recorded in Official Records Book 4623 at Page 0404, Public Records of Orange County, Florida, and all amendments thereto (the “Declaration”), Obligor is liable for the payment of certain assessments, maintenance fees, and ad valorem property taxes (collectively, “Assessments, Fees and Taxes”) and Cypress Harbour Condominium Association, Inc. , a Florida not-for-profit corporation (the “Association”), has a lien for such Assessments, Fees and Taxes pursuant to the terms of the Declaration and applicable Florida law. The Obligor has failed to pay when due the Assessments, Fees, and Taxes as assessed or advanced and is thereby in default of the obligation to pay such amounts as and when due. Accordingly, the Association did cause a Claim of Lien to be recorded in the Public Records of Orange, Florida, thereby perfecting the lien of Assessments, Fees, and Taxes pursuant to the Declaration and sections 721.16 and 192.37, Florida Statutes. See Exhibit “A” attached hereto for the recording information for each Claim of Lien, the amount secured by each Claim of Lien, and the per diem amount to account for the further accrual of the amounts secured by each Claim of Lien. IMPORTANT: If you fail to cure the default as set forth in this notice or take other appropriate action with regard to this foreclosure matter, you risk losing ownership of your timeshare interest through the trustee foreclosure procedure established in section 721.855, Florida Statutes. You may choose to sign and send to the trustee the enclosed objection form, exercising your right to object to the use of the trustee foreclosure procedure. Upon the trustee's receipt of your signed objection form, the foreclosure of the lien with respect to the default specified in this notice shall be subject to the judicial foreclosure procedure only. You have the right to cure your default in the manner set forth in this notice at any time before the trustee's sale of your timeshare interest. If you do not object to the use of the trustee foreclosure procedure, you will not be subject to a deficiency judgment even if the proceeds from the sale of your timeshare interest are insufficient to offset the amounts secured by the lien. You have a right to cure the default set forth herein by paying in full, on or before the 30th day after the date of this Notice, the following amounts: (1) all past due sums, (2) costs of collection (3) interest, as accrued to the date of payment, (4) per diem, as accrued to the date of payment, and (5) the foreclosure processing fee in the amount of $235, which amount will increase as the foreclosure proceeding progresses. Further, payment must be made by forwarding a cashier's check payable to the First American Title Insurance Company, and drawn on a state or national bank, a state or federal credit union, or a state or federal savings and loan association, or savings bank. The Association has appointed the following Trustee to conduct the trustee's sale: First American Title Insurance Company, duly registered in the state of Florida as an Insurance Company, 2300 Maitland Center Parkway, Suite 201, Maitland, FL 32751; Phone: 702-304-7509 Exhibit “A” Contract No. Interval No. Obligor(s) and Address Claim of Lien Recording Date/Instr. No. Per Diem Default Amount CY*7112*19*B Unit 7112 / Week 19 / Annual Timeshare Interest DARUNEE ROBUSTELLI/5798 NE 7TH AVE, BOCA RATON, FL 33487 UNITED STATES 05-29-14; Book 10750 / Page7345 $1.68 $5,381.62 CY*7112*20*B Unit 7112 / Week 20 / Annual Timeshare Interest DARUNEE ROBUSTELLI/5798 NE 7TH AVE, BOCA RATON, FL 33487 UNITED STATES 05-29-14; Book 10750 / Page7363 $1.68 $5,381.62 CY*6312*51*B Unit 6312 / Week 51 / Annual Timeshare Interest RAUL KARCHMER-K and IRENE LASK DE KARCHMER and JUDITH KARCHMER DE KLEIMAN/MALBINAS 334, COL VISTA HERMOSA, MONTERREY NL 64620 MEXICO 01-14-15; Book 10861 / Page3808 $1.79 $5,021.82 CY*6312*52*B Unit 6312 / Week 52 / Annual Timeshare Interest RAUL KARCHMER-K and IRENE LASK DE KARCHMER and JUDITH KARCHMER DE KLEIMAN/MALBINAS 334, COL VISTA HERMOSA, MONTERREY NL 64620 MEXICO 01-14-15; Book 10861 / Page3809 $1.79 $5,021.82 CY*6316*03*B Unit 6316 / Week 03 / Annual Timeshare Interest JOHN RAPHAEL F. and EDUARDO RAPHAEL and REINALDO RAPHAEL/AVE. FCO. SOLANO CON CALLE PASCUAL, NAVARRO, TORRE BANVENEZ OF. 5A, CARACAS, D.F. 1050 VENEZUELA 01-14-15; Book 10861 / Page3810 $1.79 $5,021.82 CY*6316*04*B Unit 6316 / Week 04 / Annual Timeshare Interest JOHN RAPHAEL F. and EDUARDO RAPHAEL and REINALDO RAPHAEL/AVE. FCO. SOLANO CON CALLE PASCUAL, NAVARRO, TORRE BANVENEZ OF. 5A, CARACAS, D.F. 1050 VENEZUELA 01-14-15; Book 10861 / Page3811 $1.79 $5,021.82 CY*6333*48*B Unit 6333 / Week 48 / Annual Timeshare Interest JOHN L. JANTHO and KELLY GARROW/118 FOXWOOD DR, WEXFORD, PA 15090-9500 UNITED STATES 01-14-15; Book 10861 / Page3812 $1.73 $4,882.98 CY*6426*46*B Unit 6426 / Week 46 / Annual Timeshare Interest A. A RIZZUTO and REJENA R. RIZZUTO/2696 JESSICA COURT, LOVELAND, OH 45140 UNITED STATES 02-18-15; Book 10876 / Page7515 $1.73 $4,912.98 CY*7031*16*B Unit 7031 / Week 16 / Annual Timeshare Interest GLORIA CIFUENTES DE VALDIZAN and JOSE VALDIZAN/KM 13.5 CARR AL SALVADOR CRUCE A, PIEDRA PARADA BOSQUES DE LUCES C#A3, GUATEMALA GUATEMALA 11-20-14; Book 10838 / Page0907 $1.22 $3,714.98 CY*7112*48*B Unit 7112 / Week 48 / Annual Timeshare Interest GLORIA CIFUENTES DE VALDIZAN and JOSE VALDIZAN/KM 13.5 CARR AL SALVADOR CRUCE A, PIEDRA PARADA BOSQUES DE LUCES C#A3, GUATEMALA GUATEMALA 11-20-14; Book 10838 / Page0390 $1.19 $3,629.67 CY*7231*48*B Unit 7231 / Week 48 / Annual Timeshare Interest George A. Pugliese and Alma A. Pugliese/6 BELLOWS LN, LEVITTOWN, NY 11756-4708 UNITED STATES 02-18-15; Book 10876 / Page7517 $1.73 $4,912.98 CY*7231*49*B Unit 7231 / Week 49 / Annual Timeshare Interest ALMA A PUGLIESE and GEORGE A PUGLIESE/6 BELLOWS LANE, LEVITTOWN, NY 11756 UNITED STATES 02-18-15; Book 10876 / Page7518 $1.73 $4,912.98 CY*7341*04*B Unit 7341 / Week 04 / Annual Timeshare Interest RAUL RIOS and RICHARD RIOS and JORDAN RIOS HIRCHFELD/C/A ENTRE AV BOLIVAR Y RAUL, S/BELLA VISTA RES MARINA STE APT6AS, PORLAMAR ES VENEZUELA 07-10-14; Book 10771 / Page2144 $1.22 $3,684.98 CY*7341*05*B Unit 7341 / Week 05 / Annual Timeshare Interest RAUL RIOS and RICHARD RIOS and JORDAN RIOS HIRCHFELD/C/A ENTRE AV BOLIVAR Y RAUL, S/BELLA VISTA RES MARINA STE APT6AS, PORLAMAR ES VENEZUELA 07-10-14; Book 10771 / Page2196 $1.22 $3,684.98 CY*7435*02*B Unit 7435 / Week 02 / Annual Timeshare Interest FELIX PEREZ RODRIGUEZ and JIMENA BRAVO DE PEREZ/BRASILIA 428, LOMAS LAS AMERICAS NORTE, MORELIA MICHOACAN MC 58254 MEXICO 02-18-15; Book 10876 / Page7519 $1.79 $5,051.82 CY*7435*03*B Unit 7435 / Week 03 / Annual Timeshare Interest FELIX PEREZ RODRIGUEZ and JIMENA BRAVO DE PEREZ/BRASILIA 428, LOMAS LAS AMERICAS NORTE, MORELIA MICHOACAN MC 58254 MEXICO 02-18-15; Book 10876 / Page7520 $1.79 $5,051.82 CY*7436*19*X Unit 7436 / Week 19 / Odd Year Biennial Timeshare Interest RICHARD HOWARD LESTER/60 HAREWOOD DRIVE, ESSEX, ILFORD IG5 0PH UNITED KINGDOM 01-05-15; Book 10856 / Page1660 $0.59 $2,074.87 CY*5413*42*B Unit 5413 / Week 42 / Annual Timeshare Interest STEPHAN K. STOIMENOFF and GAIL C. STOIMENOFF/11691 HERON ST, SCHOOLCRAFT, MI 49087-8822 UNITED STATES 01-05-15; Book 10856 / Page1666 $1.15 $3,313.33 CY*5636*46*B Unit 5636 / Week 46 / Annual Timeshare Interest RODOLFO R. FARKAS and MIRTA E. LOPEZ/HIPOLITO YRIGOYEN #2042, OCTAVO PISO DPTOE, BUENOS AIRES 1089 ARGENTINA 01-05-15; Book 10856 / Page1664 $1.68 $5,221.62 CY*6233*42*B Unit 6233 / Week 42 / Annual Timeshare Interest SAMUEL VILLEGAS and CLAUDIA GIORGI/DIAGONAL 74 6-85 APTO. 201, BOGOTA COLOMBIA 01-05-15; Book 10856 / Page1662 $1.68 $5,221.62 CY*5134*25*B Unit 5134 / Week 25 / Annual Timeshare Interest MOHAMED SALEH AWAD/ROSHANA MALL, TAHLIYA STREET, PO BOX 19605, JEDDAH 21445 SAUDI ARABIA 02-27-15; Book 10881 / Page5053 $1.17 $3,110.43 CY*5213*52*B Unit 5213 / Week 52 / Annual Timeshare Interest EDUARDO MORALES and CYNTHIA MORALES/5 KNOWLES RD, WORCESTER, MA 01602 UNITED STATES 02-27-15; Book 10881 / Page5125 $2.29 $6,491.47 CY*5312*20*B Unit 5312 / Week 20 / Annual Timeshare Interest JEFFREY E. BLOSSOM and DEANNA E. BLOSSOM/752 SOUTH FISCHER CIRCLE, SEBASTIAN, FL 32958 UNITED STATES 02-27-15; Book 10881 / Page5127 $1.14 $3,048.94 CY*5323*31*B Unit 5323 / Week 31 / Annual Timeshare Interest ALPHONSO T. COTTRELL, SR. and DEBORAH D. COTTRELL/24 HILLTOP LN, ANNAPOLIS, MD 21403-1005 UNITED STATES 02-27-15; Book 10881 / Page5129 $2.29 $6,627.76 CY*5644*42*B Unit 5644 / Week 42 / Annual Timeshare Interest DAVID FAYES and MARTHA FAYES/AV PPAL DE LOS CHORROS RES, CAMURANA II P-6 APT 6A, CARACAS VENEZUELA 02-27-15; Book 10881 / Page5131 $1.14 $3,048.94 CY*6225*44*B Unit 6225 / Week 44 / Annual Timeshare Interest WILLIAM A. SHELTON and CYNTHIA J. SHELTON/315 RIVER ROUTE, MAGNOLIA SPRINGS, AL 36555 UNITED STATES 02-27-15; Book 10881 / Page5135 $2.23 $6,349.93 CY*6245*47*B Unit 6245 / Week 47 / Annual Timeshare Interest FERNANDO ROBERTO NARANJO CRANIOTIS and MARY DAFNE RITTENHOUSE-CANTARERO/CALLE 2 ENTRE 24 Y 25 AVE CASA, DE 2 PLANTAS COL MODERNA, SAN PEDRO SULA CT1100 HONDURAS 02-27-15; Book 10881 / Page5137 $1.14 $3,144.77 CY*6325*49*B Unit 6325 / Week 49 / Annual Timeshare Interest RICHARD A. SEGALAS and MONIQUE P. SEGALAS/3183 WAYSIDE PLAZA APT 107, WALNUT CREEK, CA 94597 UNITED STATES 02-27-15; Book 10881 / Page5035 $1.73 $4,765.21 CY*6524*28*B Unit 6524 / Week 28 / Annual Timeshare Interest WILLIAM H. SPELL and ELIZABETH C. SPELL/614 MAYFAIR AVE, RICHMOND, VA 23226 UNITED STATES 02-27-15; Book 10881 / Page5037 $1.77 $4,846.11 CY*6941*02*B Unit 6941 / Week 02 / Annual Timeshare Interest WILLIE W. BROWN and FRANCINE Z. BROWN/7033 LENNOX PL, UNIVERSITY PARK, FL 34201 UNITED STATES 02-27-15; Book 10881 / Page5039 $1.20 $3,317.74 CY*7044*51*B Unit 7044 / Week 51 / Annual Timeshare Interest NATHANIEL J. ZIOLKOWSKI and CATHY M. ZIOLKOWSKI/50 SUNNY ROAD, ST JAMES, NY 11780 UNITED STATES 02-27-15; Book 10881 / Page5041 $1.19 $3,275.85 “Publication Exhibit” Notice is hereby given to the following parties Party Designation Contract Number Name Obligor CY*7112*19*B DARUNEE ROBUSTELLI Obligor CY*7112*20*B DARUNEE ROBUSTELLI Obligor CY*6312*51*B RAUL KARCHMER-K Obligor CY*6312*51*B IRENE LASK DE KARCHMER Obligor CY*6312*51*B JUDITH KARCHMER DE KLEIMAN Obligor CY*6312*52*B RAUL KARCHMER-K Obligor CY*6312*52*B IRENE LASK DE KARCHMER Obligor CY*6312*52*B JUDITH KARCHMER DE KLEIMAN Obligor CY*6316*03*B JOHN RAPHAEL F. Obligor CY*6316*03*B EDUARDO RAPHAEL Obligor CY*6316*03*B REINALDO RAPHAEL Obligor CY*6316*04*B JOHN RAPHAEL F. Obligor CY*6316*04*B EDUARDO RAPHAEL Obligor CY*6316*04*B REINALDO RAPHAEL Obligor CY*6333*48*B JOHN L. JANTHO Obligor CY*6333*48*B KELLY GARROW Obligor CY*6426*46*B REJENA R. RIZZUTO Obligor CY*7031*16*B GLORIA CIFUENTES DE VALDIZAN Obligor CY*7031*16*B JOSE VALDIZAN Obligor CY*7112*48*B GLORIA CIFUENTES DE VALDIZAN Obligor CY*7112*48*B JOSE VALDIZAN Obligor CY*7231*49*B ALMA A PUGLIESE Obligor CY*7341*04*B RAUL RIOS Obligor CY*7341*04*B RICHARD RIOS Obligor CY*7341*04*B JORDAN RIOS HIRCHFELD Junior Interest Holder CY*7341*04*B City of Orlando Junior Interest Holder CY*7341*04*B National Credit Acceptance, Inc., A California Corporation Junior Interest Holder CY*7341*04*B Sacor Financial, Inc. Junior Interest Holder CY*7341*04*B John J. Pugh Obligor CY*7341*05*B RAUL RIOS Obligor CY*7341*05*B RICHARD RIOS Obligor CY*7341*05*B JORDAN RIOS HIRCHFELD Junior Interest Holder CY*7341*05*B City of Orlando Junior Interest Holder CY*7341*05*B Nattional Credit Acceptance Inc., A California Corporation Junior Interest Holder CY*7341*05*B Sacor Financial, Inc. Junior Interest Holder CY*7341*05*B John J. Paugh Obligor CY*7435*02*B FELIX PEREZ RODRIGUEZ Obligor CY*7435*02*B JIMENA BRAVO DE PEREZ Obligor CY*7435*03*B FELIX PEREZ RODRIGUEZ Obligor CY*7435*03*B JIMENA BRAVO DE PEREZ Obligor CY*7436*19*X RICHARD HOWARD LESTER Obligor CY*5413*42*B STEPHAN K. STOIMENOFF Obligor CY*5636*46*B RODOLFO R. FARKAS Obligor CY*5636*46*B MIRTA E. LOPEZ Obligor CY*6233*42*B SAMUEL VILLEGAS Obligor CY*6233*42*B CLAUDIA GIORGI Obligor CY*5134*25*B MOHAMED SALEH AWAD Junior Interest Holder CY*5134*25*B HALA AWAD Obligor CY*5213*52*B EDUARDO MORALES Junior Interest Holder CY*5213*52*B HSBC Bank Nevada, NA Obligor CY*5312*20*B DEANNA E. BLOSSOM Obligor CY*5644*42*B DAVID FAYES Obligor CY*5644*42*B MARTHA FAYES Obligor CY*6225*44*B CYNTHIA J. SHELTON Obligor CY*6245*47*B FERNANDO ROBERTO NARANJO CRANIOTIS Obligor CY*6245*47*B MARY DAFNE RITTENHOUSE-CANTARERO Obligor CY*6325*49*B RICHARD A. SEGALAS Obligor CY*6325*49*B MONIQUE P. SEGALAS Obligor CY*6524*28*B WILLIAM H. SPELL Obligor CY*6941*02*B WILLIE W. BROWN Obligor CY*6941*02*B FRANCINE Z. BROWN Obligor CY*7044*51*B NATHANIEL J. ZIOLKOWSKI FEI # 1081.00242 07/09/2015, 07/16/2015 July 9, 16, 2015 15-02755W