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Foreclosure HOA 42610- CPVII3B-HOA NOTICE OF DEFAULT AND INTENT TO FORECLOSE To: SEE EXHIBIT A (“Obligor”) Notice Address: SEE EXHIBIT A This Notice is regarding that certain timeshare interest owned by Obligor in Cypress Pointe Resort II, located in Orange County, Florida, and more specifically described as follows: An undivided SEE EXHIBIT A interest in fee simple as tenant in common in and to the Unit Number(s) SEE EXHIBIT A, together with a corresponding undivided interest in the Common Furnishings which are appurtenant to such Unit(s), as well as the recurring (i) exclusive right every Use Year to reserve, use and occupy an Assigned Unit within Cypress Pointe Resort II, A Condominium (the “Project”), (ii) exclusive right to use and enjoy the Limited Common Elements and Common Furnishings located within or otherwise appurtenant to such Assigned Unit, and (iii) non-exclusive right to use and enjoy the Common Elements of the Project, for their intended purposes, during the Use Periods as shall properly have been reserved in accordance with the provisions of the then-current Rules and Regulations promulgated by Cypress Pointe Resort II Condominium Association, Inc., all pursuant to the Declaration of Condominium for Cypress Point Resort II, A Condominium, duly recorded in the Public Records of Orange County, Florida, in Official Records Book 5044, at Page 3557, as thereafter amended (The “Declaration”). SEE EXHIBIT A Timeshare Interest Number of Rights: SEE EXHIBIT A Vacation Week: SEE EXHIBIT A Pursuant to that certain Declaration of Condominium for Cypress Pointe Resort II, a Condominium, as recorded in Book 5044 at Page 3557 of the Official 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 The Cypress Pointe Resort II 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 County, 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 $200, which amount will increase as the foreclosure proceeding progresses. Further, payment must be made by forwarding a cashier's check payable to the The Cypress Pointe Resort II Condominium Association, 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, 400 South Rampart Blvd, Suite 290, Las Vegas, Nevada 89145. Association Contact: The Cypress Pointe Resort II Condominium Association c/o Diamond Resorts Financial Services, Inc., 10600 W Charleston Blvd, Las Vegas, NV 89135 Phone: (877) 497-7521 Exhibit “A” Contract Number Owner(s) of Record Unit / Week / Timeshare Interest Undivided Interest Number of Rights Claim of Lien Recording Date Claim of Lien Book & Page Default Amount Per Diem 1126016 YOLANDA CABALLERO RAMIREZ / AVENIDA TENOCHTITLAN 233 , ESQ CON TLACOPAN FRACCIONAMENTO ITACE, CIUDAD VICTORIA, TAM 87024 MEXICO F31AB, F32AB, F33AB and F34AB / N/A / Flex Timeshare Interest 1000/1854000 1000 05/19/15 Book 10921 / Page951 $1,936.18 $0.00 1146773 CRAIG A. SCHRAM and BARBARA SCHRAM / 1179 E RITCHIE RD, LINCOLN, MI 48742 UNITED STATES G14AB / N/A / Flex Timeshare Interest 10000/463500 10000 05/19/15 Book 10921 / Page951 $4,194.81 $0.00 1151682 CURTIS A. SNETHEN / 545 E JOHN CARPENTER FWY STE 300, IRVING, TX 75062 UNITED STATES G21AB / N/A / Flex Timeshare Interest 4500/463500 4500 05/19/15 Book 10921 / Page951 $3,734.57 $0.00 1157879 BERNIE STEPHENS and KAREN STEPHENS / 363 RIGHT FORK GARRETTS CREEK RD, WAYNE, WV 25570 UNITED STATES G21AB / N/A / Flex Timeshare Interest 4500/463500 4500 05/19/15 Book 10921 / Page951 $4,817.77 $0.00 1169367 DON MCDANIEL / 623 EAGLE ROCK AVE #330, WEST ORANGE, NJ 07052-2907 UNITED STATES G31AB / N/A / Flex Timeshare Interest 4500/463500 4500 05/19/15 Book 10921 / Page951 $6,218.94 $0.00 1170638 JAMES R. WHITE and DOLORES A. WHITE / 701 SHELBOURNE RD, READING, PA 19606 UNITED STATES G22AB / N/A / Flex Timeshare Interest 4500/463500 4500 05/19/15 Book 10921 / Page951 $2,814.68 $0.00 1172195 PATRICIA A. ESTATICO and ANTHONY D. ESTATICO III / 49 SASSO LN, WINGDALE, NY 12594 UNITED STATES G32AB / N/A / Flex Timeshare Interest 7500/463500 7500 05/19/15 Book 10921 / Page951 $3,567.49 $0.00 1176331 ARTIE GUERRERO and RAISA GUERRERO / 5409 WILKINSON BLVD, CHARLOTTE, NC 28208-5453 UNITED STATES G33AB / N/A / Flex Timeshare Interest 5000/463500 5000 05/19/15 Book 10921 / Page951 $4,843.45 $0.00 1177312 MIGUEL A. MEDINA and MILAGROS M. DIAZ / PO BOX 1980, ISABELA, PR 00662 UNITED STATES G32AB / N/A / Flex Timeshare Interest 6000/463500 6000 05/19/15 Book 10921 / Page951 $4,398.72 $0.00 1193996 ERNELIO CLARENCE and NORA CLARENCE / 3873 NW 161ST ST, OPA LOCKA, FL 33054 UNITED STATES G53AB / N/A / Flex Timeshare Interest 1500/463500 1500 05/19/15 Book 10921 / Page951 $2,822.61 $0.00 1270450 GEORGE C. FORD, JR. and SHARYN L. FORD / 1903 E Battlefield St, SPRINGFIELD, MO 65804 UNITED STATES G52AB / N/A / Flex Timeshare Interest 2500/463500 2500 05/19/15 Book 10921 / Page951 $1,085.01 $0.00 1295984 RONALD EUGENE BAER JR. and DONNA J. BAER / 724 CAROL ST, NEW CUMBERLAND, PA 17070-1421 UNITED STATES F11AB, F12AB, F13AB and F14AB / N/A / Flex Timeshare Interest 1500/1854000 1500 05/19/15 Book 10921 / Page951 $3,563.67 $0.00 1305831 THOMAS R. SAVAGE / 12005 LEE DR, SPOTSYLVANIA, VA 22551-4107 UNITED STATES G53AB / N/A / Flex Timeshare Interest 1000/463500 1000 05/19/15 Book 10921 / Page951 $1,936.17 $0.00 1313107 DAVID J. BULGINI and BARBARA J. BULGINI / 59 CEDAR ISLAND AVE, CLINTON, CT 06413-1904 UNITED STATES F41AB, F42AB, F43AB and F44AB / N/A / Flex Timeshare Interest 7000/1854000 7000 05/19/15 Book 10921 / Page951 $4,494.42 $0.00 353223 MARITZA REALES / 12509 EVINGTON POINT DR, RIVERVIEW, FL 33579 UNITED STATES F15AB, F16AB, F17AB, and F18AB / N/A / Flex Timeshare Interest 5500/1854000 5500 05/19/15 Book 10921 / Page951 $4,461.16 $0.00 355092 JUDY E. STANLEY / 256 HIGH WATER RD, SHEPHERDSVILLE, KY 40165-9023 UNITED STATES F15AB, F16AB, F17AB, and F18AB / NA / Flex Timeshare Interest 8000/1,854,000 8000 05/19/15 Book 10921 / Page951 $4,798.56 $0.00 359897 JOSE A. PAGAN CONDE and ANA M. MUÑOZ BURGOS / 98 AZALEA, CIUDAD JARDIN, PR 00953 UNITED STATES F15AB, F16AB, F17AB, F18AB / N/A / Flex Timeshare Interest 2000/1,854,000 2000 05/19/15 Book 10921 / Page951 $3,165.41 $0.00 361829 ANTONIO J. GONZALEZ and MARIA TERESA HURTADO / 15697 SW 39TH ST, MIRAMAR, FL 33027 UNITED STATES F15AB, F16AB, F17AB and F18AB / N/A / Flex Timeshare Interest 2000/1,854,000 2000 05/19/15 Book 10921 / Page951 $2,639.64 $0.00 382411 LUCIUS KYYITAN and GLORIA J. KYYITAN / P O BOX 11129, BAPCHULE, AZ 85221-1129 UNITED STATES F21AB, F22AB, F23AB and F24AB / N/A / Flex Timeshare Interest 2500/1,854,000 2500 05/19/15 Book 10921 / Page951 $3,581.57 $0.00 382539 DONALD P. JANE and GAIL A. JANE / 350 EMERALD FOREST BLVD, COVINGTON, LA 70433 UNITED STATES F21AB, F22AB, F23AB and F24AB / N/A / Flex Timeshare Interest 3000/1,854,000 3000 05/19/15 Book 10921 / Page951 $5,069.25 $0.00 382684 SYLVIA S. TABOR / 3544 W CHAMA RD, GLENDALE, AZ 85310 UNITED STATES F21AB, F22AB, F23AB and F24AB / N/A / Flex Timeshare Interest 6000/1,854,000 6000 05/19/15 Book 10921 / Page951 $4,889.88 $0.00 383195 KENNETH J. GREEN and LOUELLYN B. GREEN / 69004 N HARRISON LOOP, BENTON CITY, WA 99320 UNITED STATES F21AB, F22AB, F23AB and F24AB / N/A / Flex Timeshare Interest 2500/1,854,000 2500 05/19/15 Book 10921 / Page951 $3,614.32 $0.00 386063 MARC A. RODRIGUEZ / 4298 PARK AVE APT 10, BRONX, NY 10457 UNITED STATES F31AB, F32AB, F33AB and F34AB / N/A / Flex Timeshare Interest 3000/1,854,000 3000 05/19/15 Book 10921 / Page951 $5,108.85 $0.00 386195 THOMAS J. CASSANO and ELENA R. CASSANO / 35 Carpenter Ave #69, MT. KISCO, NY 10549 UNITED STATES F31AB, F32AB, F33AB and F34AB / N/A / Flex Timeshare Interest 5500/1,854,000 5500 05/19/15 Book 10921 / Page951 $4,038.52 $0.00 387152 ANTHONY KOVACS and BRETT BIRKELAND / PO BOX 45497, PHOENIX, AZ 85064 UNITED STATES F15AB, F16AB, F17AB and F18AB / N/A / Flex Timeshare Interest 1000/1,854,000 1000 05/19/15 Book 10921 / Page951 $5,349.80 $0.00 387835 ROBERT L. CHARLEBOIS and DIANNE D. CHARLEBOIS / 6347 W DONALD DR, GLENDALE, AZ 85310-4250 UNITED STATES F31AB, F32AB, F33AB and F34AB / N/A / Flex Timeshare Interest 6500/1,854,000 6500 05/19/15 Book 10921 / Page951 $5,191.17 $0.00 388320 JAMES E. SEWELL and VALERIE J. SEWELL / 132 ROY TUCKER RD, HATTIESBURG, MS 39401 UNITED STATES F11AB, F12AB, F13AB and F14AB / N/A / Flex Timeshare Interest 2000/1,854,000 2000 05/19/15 Book 10921 / Page951 $1,992.19 $0.00 390035 CORNELL WHEELER / 14620 S BERENDO AVE APT 1, GARDENA, CA 90247 UNITED STATES F35AB, F36AB, F37AB and F38AB / N/A / Flex Timeshare Interest 2500/1,854,000 2500 05/19/15 Book 10921 / Page951 $3,126.53 $0.00 390783 The Estate of CHERYL P. JOHNSON / 6 SUTTON CT, KETTERING, MD 20774 UNITED STATES F35AB, F36AB, F37AB and F38AB / N/A / Flex Timeshare Interest 2000/1,854,000 2000 05/19/15 Book 10921 / Page951 $4,022.50 $0.00 394384 STEVEN P. RUPPENTHAL / 17458 W HILTON AVE, GOODYEAR, AZ 85338-1739 UNITED STATES F45AB, F46AB, F47AB and F48AB / N/A / Flex Timeshare Interest 500/1,854,000 500 05/19/15 Book 10921 / Page951 $2,513.40 $0.00 469600 GEORGE M. FEDOR / 51 APPLEWOOD DR, SHELTON, CT 06484-2008 UNITED STATES F45AB, F46AB, F47AB and F48AB / N/A / Flex Timeshare Interest 1000/1854000 1000 05/19/15 Book 10921 / Page951 $3,704.10 $0.00 Exhibit “B” Notice is hereby given to the following parties: Party Designation Contract Number Name Obligor 1126016 YOLANDA CABALLERO RAMIREZ Obligor 1146773 CRAIG A. SCHRAM Obligor 1146773 BARBARA SCHRAM Obligor 1151682 CURTIS A. SNETHEN Obligor 1157879 BERNIE STEPHENS Obligor 1157879 KAREN STEPHENS Obligor 1169367 DON MCDANIEL Obligor 1170638 JAMES R. WHITE Obligor 1170638 DOLORES A. WHITE Obligor 1172195 PATRICIA A. ESTATICO Obligor 1172195 ANTHONY D. ESTATICO III Obligor 1176331 ARTIE GUERRERO Obligor 1176331 RAISA GUERRERO Obligor 1177312 MILAGROS M. DIAZ Obligor 1193996 ERNELIO CLARENCE Obligor 1193996 NORA CLARENCE Obligor 1270450 SHARYN L. FORD Junior Interest Holder 1270450 Liberty Mutual Insurance Company, as subrogee of Yvonne Celaya Obligor 1295984 RONALD EUGENE BAER JR. Obligor 1295984 DONNA J. BAER Obligor 1305831 THOMAS R. SAVAGE Obligor 1313107 DAVID J. BULGINI Obligor 1313107 BARBARA J. BULGINI Obligor 359897 JOSE A. PAGAN CONDE Obligor 359897 ANA M. MUÑOZ BURGOS Obligor 361829 MARIA TERESA HURTADO Obligor 382411 LUCIUS KYYITAN Obligor 382411 GLORIA J. KYYITAN Obligor 382539 DONALD P. JANE Obligor 382539 GAIL A. JANE Obligor 383195 KENNETH J. GREEN Obligor 383195 LOUELLYN B. GREEN Obligor 386063 MARC A. RODRIGUEZ Obligor 386195 THOMAS J. CASSANO Obligor 387152 ANTHONY KOVACS Obligor 387152 BRETT BIRKELAND Obligor 387835 ROBERT L. CHARLEBOIS Obligor 387835 DIANNE D. CHARLEBOIS Obligor 388320 JAMES E. SEWELL Obligor 388320 VALERIE J. SEWELL Obligor 390035 CORNELL WHEELER Obligor 390783 The Estate of CHERYL P. JOHNSON Junior Interest Holder 390783 The Heirs and/or Beneficiaries of the Estate of Cheryl P. Johnson Obligor 394384 STEVEN P. RUPPENTHAL Obligor 469600 GEORGE M. FEDOR FEI # 1081.00256 07/30/2015, 08/06/2015 July 30; Aug. 6, 2015 15-03170W