A. Settlement Statement artment of Housing ml yUsbs an Development cr OMB Approval No. 2502-0265 1() FHA 2.[> FmHA 3. Xi Cony. Unins. | 6. File Number 7. Loan Number 8. Mortgage Insurance Case Number 400 VA 5.15 Cony. Ins. CERGE-97SMITHBY C. NOTE: This form j ished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked "( .)" were paid outside the closing; they are shown here for informational purposes and are not included in the totals. D. NAME OF BORROWER: Ann M. Rodriquez ADDRESS OF BORROWER: — 6()14 Estate Smith Bay, St Thomas, VI 00802 E. NAME OF SELLER: Inger Cerge and Shandra M. Brown and Caeli A. William and Derrick Edmund Cerge ADDRESS OF SELLER: BBB. Box 2594, St Thomas, V1 00803 F. NAME OF LENDER: ADDRESS OF LENDER: G. PROPERTY Parcel No. 97 Estate. Smith Bay LOCATION: St Thomas, VI 00802 H. SETTLEMENT AGENT: BIRCH, DE JONGH & HINDELS, PLLC 1330 ESTATE TAARNEBJERG, ST. THOMAS, VI go8g2 (340) 774-1100 1330 ESTATE TAARNEBJERG., ST. THOMAS: VI 00802 101. Contract sales price 300,000.00 |401. Contract sales price 102. Personal property 402. Personal property 103. Settlement charges to borrower (line 1400) 3,456.00 | 403. 104. 404. 105. 405. Adjustments for items paid by seller in advance Adjustments for items paid by seller in advance 106. City/town taxes to 406. City/town taxes to 107. County taxes to 407. County taxes to 108. Assessments to 408. Assessments to 109. to 409. to 110. to 410. to to 411. to 2 2 iancaommonrarnonomave —p] _wasamm|nr con awanrocTomam | saomnoo 300. REDUCTIONS IN AMOUNT DUE TO SELLER . Sit OF earnest money 30,000.00 |501. Excess deposit (see instructions) 12,000.00 202. Principal amount of new loan(s) 502. Settlement charges to seller(line 1400) 7,474.00 i 503. Existing loan(s) taken subject to 504. Payoff of first mortgage loan 505. Payoff of second mortgage loan 506. Principal amount of seller financing 18,000.00 Adjusiments for items unpaid by seller Adjustments for items unpaid by seller 210. City/town taxes to 510. City/town taxes to 211. County taxes to 511. County taxes to 212. Assessments to 512. Assessments to axes V/1/2017 to 2/9/2017 F 3. s W/1/2017 to 2/9/2017; to . to to fs to to to to A to to 4 to to . to * AMOU! INT DUE SELLER 37,668.48 300. a = SETTLEMENT OTS BORROWER —___|— ee = SETTLEMENT EER OM SELLER ee aera aes aT aia ae P81 94.48 1602. Less reductions in amount due seller (line 520) J 3.7.668.48 ] D 303. CASH - From [To DOREOWER 273,261.52 |603.CASH x! To SELIER > | 262,331.82] PAGE 1 ©20M Display Syston, Ene. (863) 763-5555 - Laur Generated HUD-I (3-86) RESPA, HE 4305.2 EFTA00592630

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U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT SETTLEMENT STATEMENT PAGE 2 700. TOTAL SALES/BROKER'S COM. based on price 300,000.00 @ i Division of Commission (line 700) as follows: 70 I “ 18,000.00 to Sea Glass Properties 0 lo 703, Commission paid at Settlement (18000.00 - 18000.00 = .00) 801 ._Loan Origination Fee 802. Loan Discoun 803. Appraisal Fee 804. Credit Report 805. Lender's Inspection Fee 806. Mortgage Insurance Application Fee 901. Interest from. 2/9/2017 __to 902. Mortgage Insurance Premium for 903, Hazard Insurance Premium for 904. 1001. Hazard insurance 1002. Mortgage insurance 1003, City property taxes Settlement or closing fee to Abstract or title search to . Title examination lo ein nce binde lo ara to . to . Attorney's fees —_ to_ Birch, de Jongh & Hindels, PLLC ncludes abow " te xpenses: > Title insurance to West Indies Title. LLC {includes above items numbers: . Lender's Coverage: INS AMT: |. Owner's Coverage: INS AMT: 300,000.00 1400. Total Settlement Charges (enter on lines 103, Section J and 502, SectionK) CERGE-9TSMITHBY EFTA00592631

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HUD-1 Settlement Statement Signature Page Certification I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and belief, it is a true and accurate statement of all receipts and disbursements made on my account or by me in this transaction. I further certify that I have received a copy of the HUD-1 Settlement Statement. Ann M. Rodri Borrower H. Hindels, A-I-F for Inger C ann sanez ASiddin asx Whiten pa en a ATT Cerge The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transaction. I have caused or will cause the funds to be disbursed in accordance with this statement. BIRCH, DE JONGH & HINDELS, PLLC Seiilement Agent WARNING: It is a crime to knowingly make false statements to the United States on this or any other similar form. Penalties upon conviction can include a fine and imprisonment. For details see: Title 18 U.S. Code Section 1001 and Section 1010. File #: Loan #: Mortgage Ins. Case #: CERGE-97SMITHBY Be 02/09/17 ate EFTA00592632

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BALANCE SHEET BUYER: Ann M. Rodriquez FILE NUMBER: CERGE-97SMITHBY SELLER: Inger Cerge and Shandra M. Brown and Caeli A. William and Derrick Edmund SETTLEMENT DATE: — 2/9/2017 erge PROPERTY ADDRESS: Parcel No. 97 Estate Smith Bay St Thomas, VI 00802 SCHEDULE OF INCOMING FUNDS Due From Buyer 273,261.52 TOTAL INCOMING FUNDS 273,261.52 SCHEDULE OF DISBURSEMENTS CK NO PAYEE DESCRIPTION AMOUNT Kellehals Ferguson Kroblin PLLC Buyer's Atty Fees/Costs 2,265.00 West Indies Title, LLC Premium 875.00 Government of the VI Record Deed 316.00 Deed Documentary Stamps sono > 6,345.00 Sellers’ POA 29.00, Birch, de Jongh & Hindels, PLLC Attorneys Fees 1,445.00 Inger Cerge and Shandra M. Brown and Cae SALES PROCEEDS 262,331.52 TOTAL OUTGOING FUNDS 273,261.52 LOAN SUMMARY SELLER CLOSING STATEMENT SUMMARY AMT DEP BROKER RETAINED LOAN AMOUNT Less Items Held By AMT DEP LEFT IN ESCROWS ess Items y PLUS BAL DUE SELLER 300,000.00 Lender SUBTOTAL 300,000.00 SUBTOTAL LESS SELLER EXPENSES 37,668.48 Plus Deposits Paid To NET CASH TO SELLER 262,331.52 Lender PLUS HUD 403,404 & 405 NET LOAN PROCEEDS TOTAL DUE TO SELLER 262,331.52 ITEMS IN CONNECTION WITH LOAN THAT BUYER CLOSING STATEMENT SUMMARY / CASH RECAP nee ee aoer pe BURSED BUYER EXPENSES 303,456.00 ° nen LESS BUYER CREDITS 30,194.48 TRANSACTION SUMMARY NET DUE FROM BUYER 273,261.52 LESS LOAN &/OR CREDITS TOTAL INCOMING FUNDS 273,261.52 SUBTOTAL 273,261.52 TOTAL OUTGOING FUNDS 273,261.52 PLUS LOAN EXPENSES TO BE PAID FROM NET PROCEEDS BALANCE IN ESCROW 00 FUNDS DUE FROM BUYER 273,261.52 EFTA00592633