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EL-11-2273Inspection Worksheet Miami Shores Village 10050 N.E. 2nd Avenue Miami Shores, FL Phone: (305)795 -2204 Fax: (305)756 -8972 Inspection Number: INSP- 168501 Permit Number: EL -12 -11 -2273 Scheduled Inspection Date: January 09, 2012 Inspector: Devaney, Michael Owner: HAGHAYEGH, ALIREZA Job Address: 1271 NE 97 Street Miami Shores, FL 33138 -2559 Project: <NONE> Contractor: ADT SECURITY SERVICES, INC Permit Type: Electrical - Residential Inspection Type: Final Work Classification: Alarm Phone Number Parcel Number 1132050090430 Phone: (786)331 -3967 Building Department Comments INSTALL BURGLAR ALARM Passed Failed Correction Needed Re- Inspection Fee No Additional Inspections can be scheduled until re- inspection fee is paid. Inspector Comments S/7- 2-69 /0 January 06, 2012 For Inspections please call: (305)762 -4949 Page 46 of 47 Miami Shores Village Building Department 10050 N.E.2nd Avenue, Miami Shores, Florida 33138 Tel: (305) 795.2204 Fax: (305) 756.8972 INSPECTION'S PHONE NUMBER: (305) 762.4949 BUILDING Permit No.'E I l ° 17113 PERMIT APPLICATION Master Permit No. FBC 20 hi o DEC 0 7 2011 LI) B Y: Permit Type: Electrical OWNER: Name (Fee Simple Titleholder)CARMEN ACEVES- GORDONPhone#: Address: 1271 NE 97 STREET City: MIAMI SHORES State: FL Zip: 33138 Tenant/Lessee Name: Phone#: Email: JOB ADDRESS: 1271 NE 97 STREET City: Miami Shores Folio/Parcel #: 11- 3205 - 009 -0430 County: Miami Dade Zip: Is the Building Historically Designated: Yes NO Flood Zone: CONTRACTOR: Company Name: ADT Address: 10785 MARKS WAY Phone#: City: MIRAMAR State: FL Zip: 33025 Qualifier Name: GEORGE MANGINELLI State Certification or Registration #: Certificate of Competency #: EF0001121 Contact Phone #: 954266 -5064 Email Address: DESIGNER: Architect/Engineer: Phone#: Phone#: Value of Work for this Permit: $ 800 Square/Linear Footage of Work: Type of Work: ❑Address Alteration New ❑Repair/Replace Demolition Description of Work: INSTALL BURGLAR ALARM Submittal Fee $ Permit Fee $ /b' e's e' ' CCF $ CO /CC $ Scanning Fee $ Radon Fee $ DBPR $ Bond $ Notary $ Training/Education Fee $ Technology Fee $ Double Fee $ Structural Review $ TOTAL FEE NOW DUE $ Bonding Company's Name (if applicable) Bonding Company's Address City State Zip Mortgage Lender's Name (if applicable) Mortgage Lender's Address City State Zip Application is hereby made to obtain a permit to do the work and installations as indicated. I certify that no work or installation has commenced prior to the issuance of a permit and that all work will be performed to meet the standards of all laws regulating construction in this jurisdiction. I understand that a separate permit must be secured for ELECTRICAL WORK, PLUMBING, SIGNS, WELLS, POOLS, FURNACES, BOILERS, HEATERS, TANKS and AIR CONDITIONERS, ETC OWNER'S AFFIDAVIT: I certify that all the foregoing information is accurate and that all work will be done in compliance with all applicable laws regulating construction and zoning. "WARNING TO OWNER: YOUR FAILURE TO RECORD A NOTICE OF COMMENCEMENT MAY RESULT IN YOUR PAYING TWICE FOR IMPROVEMENTS TO YOUR PROPERTY. IF YOU INTEND TO OBTAIN FINANCING, CONSULT WITH YOUR LENDER OR AN ATTORNEY BEFORE RECORDING YOUR NOTICE OF COMMENCEMENT." Notice to Applicant: As a condition to the issuance of a building permit with an estimated value exceeding $2500, the applicant must promise in good faith that a copy of the notice of commencement and construction lien law brochure will be delivered to the person whose property is subject to attachment. Also, a certified copy of the recorded notice of commencement must be posted at the job site for the first inspection which occurs seven (7) days after the building permit is issued. In the absence of suc /posted notice, the inspection will not be approved and a reinspection fee will be charged. 0 Signatur Owner or Agent The foregoing instrument was acknowledged before me this day of C, 2011, by 6101e IICAN.J5prOd who is person /ally known to me or who has produced l Jeff G 16 6",-As iden NOTARY PUBLIC: h,. iFOlii��LIKIAN ��784 ,•, ;. MY COMMISSION #EE094724 EXPIRES: May 18, 2015 2— R � B o n d e d Thru Bohr/Public Bohr/Public Und s Sign: Print: My Commission Expires: /04 /6, I Signature The foregoing instru Contractor ent was acknowledged before me this 3 , 20 11 by G. MANGINELLI ��aaeiouip��i o me or who has produced �L 'VA._ 6 as identification and who did t a3L�19,y. Sign: print: LATOYA CARTER My Commission Expires: is • * * * * * * * * * * * * ** **** ** **** ** * * **** ***** **a.****** ** . ** ***** ************* *a..****. s*a. **** ** *****x.****** **a.***** ** APPROVED BY 574 Plans Examiner Zoning Structural Review (Revised 07 /10/07)(Revised 06 /10/2009)(Revised 3/15/09) Clerk Property Information Map My Home Miami -Dade County, Florida tiftiil• adeo .; Property Information Map Aerial Photography - 2009 This map was created on 12/5/2011 11:28:35 AM for reference purposes only. Web Site © 2002 Miami -Dade County. All rights reserved. 0 111 ft Page 1 of 1 Summary Details: Folio No.: 11- 3205-009 -0430 Property: 1271 NE 97 ST Mailing Address: ALIREZA HAGHAYEGH 12725 NW 7TH AVE MIAMI FL 33168- Property Information: Primary Zone: 1400 SINGLE FAMILY RESIDENCE CLUC: 0001 RESIDENTIAL - SINGLE FAMILY Beds/Baths: 4/4 Floors: 1 Living Units: 1 Adj Sq Footage: 3,075 Lot Size: 8,175 SQ FT Year Built: 1952 Legal Description: 5 53 42 EARLETON SHORES PB 43-80 LOT 18 BLK 3 LOT SIZE 75.000 X 109 OR 17546- 2222 0297 1 OR 26995- 3932 070912 Assessment Information: Year: 2011 2010 Land Value: $118,364 $98,636 Building Value: $244,640 $196,564 Market Value: $363,004 $295,200 Assessed Value: $324,720 $295,200 Taxable Value Information: Year: 2011 2010 Taxing Authority: Applied Exemption/ Taxable Value: Applied Exemption/ Taxable Value: Regional: $0/$324,720 $0/$295,200 County: $0/$324,720 $0/$295,200 City: $0/$324,720 $0/$295,200 School Board: $0/$363,004 $0/$295,200 Sale Information: Sale Date: 7/2009 Sale Amount: $205,000 Sale O/R: 25995 -3932 Sales Qualification Description: Deeds to or from financial institutions View Additional Sales - http:// gisims2 .miamidade.gov /myhome /printmap. asp? mapurl= http: / /gisims2.miamidade.go... 12/5/2011 600. CASH DLIE AT SETTLEMENT - -TO /FROM SELLER oyy 6evF B. Type of Loan OMP Approval No. 2502 -0255 A. Settlement Statement (HUD -1) 6. File Number Gordon/A6145 7. Loan Number 8. Mtg Ins Case Number C. Note: This form is furnished to give you a statement of actual settlement costs: Amounts paid to and by the settlement agent are shown. Items marked POC were paid outside of the closing; they are shown here for informational purposes and are not included in the dosing totals. D. Name and Address of Borrower E. Name and Address of Seller: F. Name and Address of Lender. G. Property Location: H. Settlement Agent: Place of Settlement: For information Contact: I. Settlement Date: Carmen Aceves Gordon a married woman 1271 NE 97 Street Miami Shores, FL 33138 Alireza Haghayegh a married man 567 Grand one Miami, FL 33138 1271 NE 97 St., Miami Shores, FL 33138 Ashley Title Company 16375 NE 18th Avenue, Suite 225 North Miami Beach. FL 33162 Ira R. Shapiro 12 -01 -2011 Disbursement Date: PH: 305 - 945 -5414 12 -01 -2011 J. SUMMARY OF BORROWERS TRANSACTION 100:1 „GROSS AMOUNT DUE FROM BORROWER 101. Contract Sales Price 102. 103. Settlement Charges to Borrower (line 1400) 104. 105. Adjuaimonls for items paid by seller in advance 106. Real Estate Taxes 12-01 to 01 -01 @$8,526.42/yr -4 107. Special Assessments 108. Condominium / Home Owner Assessments 109. 110. Waste 1211/11- 9/30112 $720.50 305 days 111. 112. 580,000.00 3,668.50 695.20 600.42 K. SUMMARY OF SELLER'S TRANSACTION 400 : 'GROSS A010UNTDUE TO SELLER. $:Fa 401. Contract Sates Price 402. 403. 404. 405. Adjustments for items paid by seller in advance 406. Real Estate Taxes 12 -01 to 01 -01 @$8,526.42/yr -4% 407. 408. 409. 410. Waste 12/1/11 - 9/30/12 $720.50 305 days 411. 412. 580.000.00 695.20 600.42 120. GROSS AMOUNT DUE FROM BORROWER 584,964.12 200. AMOUNTS PAID BY OR ON BEHALF OF BORROWER 201. Deposit or Earnest Money 202. Principal Amount of New Loan 203. Existing Loans Assumed 204. Prepaid Application Fee Credited Against Loan Cost 205. 206, 207. 208. 209. New Second Mortgage From: Adjustments for items unpaid by setter 210. Real Estate Taxes 211. Special Assessments 212. Condominium / Home Owner Assessments 213. 214. 215. 216. 217. 218. 219. 56,000.00 420. GROSS AMOUNT DUE TO SELLER 581,295.62 500. REDUCTIONS IN AMOUNTS DUE SELLER ' 501. 502. 503. 504. 505. 506. 507. 508. 509. Excess Deposit Settlement Charges to Seller (line 1400) Existing Loans Assumed Payoff First Mortgage Loan To: Courier fees to Mario Velez, P.A. 2011 R.E. Taxes to Dade County Water Escrows Mortgages Held by Seller Adjustmen for items unpaid by softer 510. 511. 512. 513. 514. 515. 516. 517. 518. 519. 220. TOTAL PAID BY /FOR BORROWER 300 CASrI 008 AT SETTLEMENT CRC.WTO 82V/ER 301. Gross Amount Due From Borrower (line 120) 302. Less Amounts Paid By /For Borrower (line 220) 56,000.00 584.964.12 520. TOTAL REDUCTIONS IN AMOUNT DUE SELLER 39,595.00 30.00 8,998.63 350.00 48,973.63 601. Gross Amount Due To Seller (line 420) 56,000.00 602. Less Reductions in Amount Due Seiler (line 520) 581,295.62 48,973.63 303. CASH [ X ] FROM [ ] TO BORROWER $ 528,964.12 603. CASH [ X 1 TO [ ] FROM SELLER $ 532,321.99 For sales or exchanges of certain real estate, the person responsible for closing a real estate transaction must report Me real estate proceeds to the Internal Revenue Service on Form 1099 -S and must furnish a copy of that statement to you. To determine if you have to report the sale or exchange of your main home on your tax return, see the instructions for Schedule D (Form 1040), Capital Gains and Losses. If the real estate was not your main home, report the transaction on Form 4797, Sales of Business Property; Form 6252, Installment Sale Income; and/or Schedule DForm 1040). If you received or will receive tike -kind property you must file Form 8824, Like -Kind Exchanges. The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency nary not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure Ls mandatory. This is designed to provide the parties to a RESPA covered transaction with information daring the settlement pacers. Note: Page 2, Schedule L, and Page 3, Comparison of Good Faith Estimate and NUD -I Charges, are attached and made a part of this statement. SETTLEMENT CHARGES 700. TOTAL REAL ESTATE BROKER FEES Dlvlsion of commission (fine 700) as follows: ,701. $ 17,400.00 To: Florida Realty of Miami 702. $ 17,400.00 To: Keller N1Nldams Eagle Realty 703. Total Commissions Paid at Settlement 704. PAID FROM BORROWER'S FUNDS AT SETTLEMENT 800. ITEMS PAYABLE IN CONNECTION' WITH LOAN: 801. Our origination charge 80Z Your credit or charge (points) for the specific interest rate chosen 803. Your adjusted origination Merges 804. Appraisal fee to: 805. Credit report to: 806. Taxservtce to: 807. Flood Certification to: 808. 809. 810. 811. (from GFE #'1) (from GFE* 2) (from GFE A) (from GFE # �, (from GFE # 3) (hem GFE *3) (from GFE *3) 900. ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANCE: 901. Daily interest charges: 902. Mortgage insurance premium 903. Homeowte4r'sInsurance 904. 905. from td @$ /day for months to: for years to: (from GFE#10) (from GFE it 3) (from GFE #11) 1000. RESERVES DEPOSITED 11111111 LENDER:' -- 1001. Initial deposit 10 escrow account 1002. Home owner's insurance: 1003. Mortgage insurance: 1004. Property taxes: 1005. Annual assessments: 1006. Flood insurance: 1007. 1008. 1009. Aggregate Adjustment: Months @ Months Months @ Months @ Months @ Months @ Months @ (from GFE # 9) per month $ per month $ per month $ permonth $ per month $ per month $ per month $ $ 1100. TITLE CHARGES: 1101. Title services and lender's title insurance 1102. Settlement or dosing fee to: Ashley Title Company 1103. Owner's title insurance: 1104. Lender's dtle insurance: 1105. Lender's title policy limit: $ 1106. Owner's tide policy limit: $ 580,000.00 1107. Agent's portion of the total tide Insurance premium: $ 2,082.50 1108. Underwriter's portion of the total title premium: $ 892.50 1109. Abstract or tide search to: First American 1110. Courier $25 and Dig. Archiving $20 to Ashley Title 1111. Premium includes: 1112. Attorney's fees to Mario Velez, PA. (from GFE *4) 295.00 (from GFE * 5) 45.00 1200. GOVERNMENT RECORDING AND TRANSFER CHARGES: 1201. Government recording charges 1202. Recording teas 1203. Transfer taxes 1204. City / County tax 1 stamps 1205. State tax 1 stamps 1206. 1207. Deed$ 18.50 Mortgage$ Deed $ 3,480.00 SurTaxes$ Note $ Mortgage$ (from GEE* 7) Rel. $ (from GEE* 8) 1300. ADDHIONAL SETTLEMENT CHARGES: _ 1301. Required services that you can shop for: 1302. Survey to: John lbarra & Associates 1303. Pest inspection to: 1304. Cert. of Reoccupancy to Robert J. Bourne, PA. 1305. Lien search to Reliable 1306. 1307. RESERVED. 335.00 340.00 2,975.00 18.50 (from GFE* 6) 335.00 1400. TOTAL SETTLEMENT CHARGES (lines 105 & 502): CERTIFICATIONS Page 2 PAID FROM SELLERS FUNDS AT SETTLEMENT 34,800.00 125.00 950.00 3,480.00 75.00 165.00 3,668.50 39,595.00 1 have carefully reviewed this Settlement Statement To the best of my knowledge and belies it is >1 accurate statemen of all receipts, charges, credii and disbursements to be made on my account or by me in this transaction. 1 further certify tt 1 h ceived a copy of is Settlement Statement. This Settlement Statement is an accurate account of this transaction. All funds have been, or will be, disbursed in accordance with this statement. pany orized Representative Date Prepared by and return to: Mario 1 Velez Mario Velez, P.A. 10030 Bird Road Suite 11 Miami, FL 33165 305 -207 -2620 File Number: haghayeghgordon Will Cali No.: Parcel Identification No. 11 -3205 -009 -0430 (Space Above This Line For Recording Data) Warranty Deed (STATUTORY FORM - SECTION 689.02, F.S.) This Indenture made this 1st day of December, 2011 between Alireza Haghayegh, a married man whose post office address is 567 Grand Cone, Miami, FL 33138 of the County of Miaml -Dade, State of Florida, grantor *, and Carmen Aceves Gordon whose post office address is 1271 NE 97 Street, Miami, FL 33138 of the County of Miami -Dade, State of Florida, grantee *, Witnesseth, that said grantor, for and in consideration of the sum of TEN AND NO /100 DOLLARS (510.00) and other good and valuable considerations to said grantor in hand paid by said grantee, the receipt whereof is hereby acknowledged, has granted, bargained, and sold to the said grantee, and grantee's heirs and assigns forever, the following described land, situate, lying and being in Miami -Dade County, Florida, to-wit: Lot 18, Block 3, Earleton Shores, according to the Plat thereof, recorded in Plat Book 43, Page 80, of the Public Records of Miami -Dade County, Florida. Subject to taxes for 2012 and subsequent years; covenants, conditions, restrictions, easements, reservations and limitations of record, if any. Grantor warrants that at the time of this conveyance, the subject property is not the Grantor's or the grantor's spouse homestead within the meaning set forth in the constitution of the state of Florida, nor is it contiguous to or a part of homestead property. Grantor's residence and homestead address is: 567 Grand Conc, Miami, FL 33138 and said grantor does hereby fully warrant the title to said land, and will defend the same against lawful claims of all persons whomsoever. * "Grantor" and "Grantee" are used for singular or plural, as context requires. In Witness Whereof, grantor has hereunto set grantor's hand and seal the day and year first a • ve written. Signed, sealed and delivered in our presence: g! i ► 7/ Ireza 'aghaye_? State of Florida County of Miami -Dade The foregoing instrument was acknowledged before me this 1st day of December, 201 1 by Alireza Haghayegh, who L] is personally known or [X] has produced a driver's license as identification. [Notary Seal] Notap Public Printed Name: My Commission Expires: DoubleTimee � s rtk I E TIAL SERVICES ICES C NTRACT ''-reit ?.Y.4 ADT Security Services, Inc. ( °ADT") Office Address 167ff Ayikit* 33 az f R- www. MyAbT.c 1.800.ADT.ASAP® (1.800.238.2727) IF FAMILIARIZATION PERIOD I5 REJECTED INITIAL HERE (see Paragraph 14 of the Terms and Conditions for explanation) CUSTOMER ACCOUNT NO Customer Name ( "Customer" or "I" or "me" or "my ") 111 11I viii N 5104UE12 �d8 VIA rlAe 1 F I R T N A M Pl G P v S b t L A S T N A M E Address 1 Ai( 9 State ZIP f2 Protected Premises' Telephone City t Tax Exempt No r 1 P r O Traditional Phone 0 Other (Qualified) 0 Other {(Non - Qualified) Alternate Telephone 1 Alternate Telephone 2 EMAIL JZ 1 Tax Expire Date M1M 0 Home 0 CeII 0 Work O Home OCell O Work D D./ it e Ac f Communications Authorization: I authorize ADT to provide me with information and updates about the security system and new ADT and third -party products and services to the contact information provided by me. I may unsubscribe or opt out by emailing donotcontact @ADT.com or by calling 888.DNC4ADT (888.362.4238). Initial here Confirmation of Appointments: I authorize ADT to call me using an automated calling device to deliver a pre- recorded message to set/confirm appointments and provide other information and notices about the alarm system at the telephone number(s) provided by me. Initial here Alarm System Ownership: Customer -Owned ADT -Owned I ACKNOWLEDGE AND AGREE TO EACH OF THE FOLLOWING: (A) THIS CONTRACT CONSISTS OF SIX (6) PAGES. BEFORE SIGNING THIS CONTRACT, I HAVE READ, UNDERSTAND AND AGREE TO EACH AND EVERY TERM OF THIS CONTRACT, INCLUDING BUT NOT LIMITED TO PARAGRAPHS 5 AND 18 OF THE TERMS AND CONDITIONS. (B) THE INITIAL TERM OF THIS CONTRACT IS THREE (3) YEARS. (C) ADT I5 NOT A SECURITY CONSULTANT AND CANNOT ADDRESS ALL OF MY POTENTIAL SECURITY NEEDS. ADT HAS EXPLAINED TO ME THE FULL RANGE OF EQUIPMENT AND SERVICES THAT ADT CAN PROVIDE ME. ADDITIONAL EQUIPMENT AND SERVICES OVER THOSE IDENTIFIED IN THIS CONTRACT ARE AVAILABLE AND MAY BE PURCHASED FROM ADT AT AN ADDITIONAL COST TO ME. 1 HAVE SELECTED AND PURCHASED ONLY THE EQUIPMENT AND SERVICES IDENTIFIED IN THIS CONTRACT. (D) NO ALARM SYSTEM CAN PROVIDE COMPLETE PROTECTION OR GUARANTEE PREVENTION OF LOSS OR INJURY. FIRES, FLOODS, BURGLARIES, ROBBERIES, MEDICAL PROBLEMS AND OTHER INCIDENTS ARE UNPREDICTABLE AND CANNOT ALWAYS BE DETECTED OR PREVENTED BY AN ALARM SYSTEM. HUMAN ERROR IS ALWAYS POSSIBLE, AND THE RESPONSE TIME OF POLICE, FIRE AND MEDICAL EMERGENCY PERSONNEL IS OUTSIDE THE CONTROL OF ADT. ADT MAY NOT RECEIVE ALARM SIGNALS IF COMMUNICATIONS OR POWER IS INTERRUPTED FOR ANY REASON. (E) ADT RECOMMENDS THAT 1 MANUALLY TEST THE ALARM SYSTEM MONTHLY AND ANY TIME 1 CHANGE TELEPHONE SERVICE, BY CALLING 1.800.ADT.ASAP OR BY LOGGING IN TO WWW.MYADT.COM. (F) THIS CONTRACT REQUIRES FINAL APPROVAL BY AN ADT AUTHORIZED MANAGER BEFORE ADT MAY PROVIDE ANY EQUIPMENT OR SERVICES, AND IF APPROVAL IS DENIED, THEN THIS CONTRACT WILL BE TERMINATED, AND ADT'S ONLY OBLIGATION WILL BE TO NOTIFY ME OF SUCH TERMINATION AND REFUND ANY AMOUNTS I PAID IN ADVANCE. ADT Representative Name Rep. License No. r (If Required) Customer's Approval: Original Signature Required (Must match Customer Name in Section 1 above) a 1 / NOTICE OF CANCELLATION I, THE CUSTOMER, MAY CANCEL THIS TRANSACTION AT ANY TIME PRIOR TO MIDNIGHT OF THE THIRD BUSINESS DAY AFTER THE DATE OF THIS TRANSACTION. SEE THE ATTACHED NOTICE OF CANCELLATION FORM FOR AN EXPLANATION OF THIS RIGHT. I ACKNOWLEDGE BEING VERBALLY INFORMED OF MY RIGHT TO CANCEL AT THE TIME OF EXECUTION OF THIS CONTRACT AND RECEIPT OF THIS NOTICE. Section 2. Services to be Provided i ._ ... STATEMENT APR) ASSOCIATED WITH THIS CONTRACT. FINANCIAL DISCLOSURE THERE IS NO FINANCE CHARGE OR COST OF CREDIT (0% A. NUMBER OF PAYMENTS FOR THE INITIAL TERM IS 36. � 9 B. AMOUNT OF EACH PAYMENT IS $ ( TOTAL OF PAYMENTS FOR THE INITIAL (A. TIMES B.) (EXCLUSIVE OF ANY AND RATE INCREASES) TERM I5 $ y APPLICABLE TAXES, FEES, FINES (TOTAL MONTHLY SERVICE CHARGE FROM BELOW) LATE CHARGE - PAYMENT IS DUE PURSUANT TO MY SELECTED BILLING FREQUENCY, PRIOR TO THE START OF SERVICE. MY FIRST BILUCHARGE WILL BE SENT /MADE SHORTLY AFTER MY SERVICE BEGINS. ADT MAY IMPOSE A ONE -TIME LATE CHARGE ON EACH PAYMENT THAT IS MORE THAN TEN (10) DAYS PAST DUE, UP TO THE MAXIMUM AMOUNT PERMITTED BY LAW, BUT IN NO EVENT WILL THIS AMOUNT EXCEED $5.00. PREPAYMENT — IF I PREPAY THE TOTAL OF PAYMENTS PRIOR TO THE END OF THE INITIAL TERM OF THIS CONTRACT, THERE I5 NO PENALTY OR REFUND. SEE SECTIONS 2, 7, 15 AND 19 OF THIS CONTRACT FOR ADDITIONAL INFORMATION ABOUT NONPAYMENT, DEFAULT AND ACCELERATION.