| IOLTA hecking · rent copies of the Deposit Account Agreement are available at any branch or...
Transcript of | IOLTA hecking · rent copies of the Deposit Account Agreement are available at any branch or...
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dŚŝƐĚŝƐĐůŽƐƵƌĞŽŶůLJƐƵŵŵĂƌŝnjĞƐĨĞĂƚƵƌĞƐŽĨƚŚŝƐĂĐĐŽƵŶƚ&ŽƌĂĚĚŝƟŽŶĂůƚĞƌŵƐŐŽǀĞƌŶŝŶŐLJŽƵƌĂĐĐŽƵŶƚƉůĞĂƐĞƐĞĞƚŚĞĞƉŽƐŝƚĐĐŽƵŶƚŐƌĞĞŵĞŶƚƵƌͲƌĞŶƚĐŽƉŝĞƐŽĨƚŚĞĞƉŽƐŝƚĐĐŽƵŶƚŐƌĞĞŵĞŶƚĂƌĞĂǀĂŝůĂďůĞĂƚĂŶLJďƌĂŶĐŚŽƌŽŶůŝŶĞĂƚǁǁǁĂŵĞŐLJďĂŶŬĐŽŵ/ŶĨŽƌŵĂƟŽŶĐƵƌƌĞŶƚĂƐŽĨϭϭϭϵϮϬϮϬ
ĐĐŽƵŶƚKƉĞŶŝŶŐĂŶĚhƐĂŐĞ
DŝŶŝŵƵŵĚĞƉŽƐŝƚŶĞĞĚĞĚƚŽŽƉĞŶĂĐĐŽƵŶƚ ΨϮϬϬ
DŽŶƚŚůLJDĂŝŶƚĞŶĂŶĐĞ&ĞĞ ΨϬ
WĂƉĞƌ^ƚĂƚĞŵĞŶƚ^ĞƌǀŝĐĞ ΨϬdŚĞƌĞŝƐŶŽĐŚĂƌŐĞĨŽƌŵĂŝůĞĚƉĂƉĞƌƐƚĂƚĞŵĞŶƚƐŽƌŽŶůŝŶĞĞ^ƚĂƚĞŵĞŶƚƐ
ĐĐŽƵŶƚ>ŝŵŝƚĂƟŽŶƐ EŽĚĞďŝƚĐĂƌĚĂĐĐĞƐƐ
EŽdDĂĐĐĞƐƐ
EŽŝůůWĂLJĂĐĐĞƐƐ
ĐĐŽƵŶƚ&ĞĂƚƵƌĞƐ
ŽŶǀĞŶŝĞŶĐĞ^ĞƌǀŝĐĞƐϭ ƵƐŝŶĞƐƐKŶůŝŶĞĂŶŬŝŶŐ
^ƉĞĐŝĂůĞŶĞĮƚƐ ΨϬĨĞĞĨŽƌĐŚĞĐŬŝŵĂŐĞƐ
hŶůŝŵŝƚĞĚĐŚĞĐŬǁƌŝƟŶŐ
/ŶƚĞƌĞƐƚĂŶĚWĂLJŵĞŶƚ
ĂƌŶƐ/ŶƚĞƌĞƐƚ zĞƐ-dŚŝƐƉƌŽĚƵĐƚŚĂƐĂǀĂƌŝĂďůĞŝŶƚĞƌĞƐƚƌĂƚĞ
zŽƵƌŝŶƚĞƌĞƐƚƌĂƚĞĂŶĚĂŶŶƵĂůƉĞƌĐĞŶƚĂŐĞLJŝĞůĚ;WzͿŵĂLJĐŚĂŶŐĞĂƚŽƵƌĚŝƐĐƌĞƟŽŶĂƚĂŶLJƟŵĞdŚĞWzĂƐƐƵŵĞƐƚŚĂƚŝŶƚĞƌĞƐƚƉĂŝĚƌĞŵĂŝŶƐŝŶƚŚĞĂĐĐŽƵŶƚǁŝƚŚĚƌĂǁĂůǁŝůůƌĞĚƵĐĞĞĂƌŶŝŶŐƐtĞƵƐĞƚŚĞĚĂŝůLJďĂůĂŶĐĞŵĞƚŚŽĚƚŽĐĂůĐƵůĂƚĞƚŚĞŝŶƚĞƌĞƐƚŽŶLJŽƵƌĂĐĐŽƵŶƚdŚŝƐŵĞƚŚŽĚĂƉƉůŝĞƐĂĚĂŝůLJƉĞƌŝŽĚŝĐƌĂƚĞƚŽƚŚĞĐŽůůĞĐƚĞĚďĂůĂŶĐĞŝŶLJŽƵƌĂĐĐŽƵŶƚĞĂĐŚĚĂLJ
/ŶƚĞƌĞƐƚĐŽŵƉŽƵŶĚƐĚĂŝůLJĂŶĚǁŝůůďĞĐƌĞĚŝƚĞĚŵŽŶƚŚůLJ/ŶƚĞƌĞƐƚŝƐƉĂŝĚƚŽƚŚĞdĞdžĂƐƋƵĂůĐĐĞƐƐ:ƵƐƟĐĞ&ŽƵŶĚĂƟŽŶ/ĨLJŽƵĐůŽƐĞLJŽƵƌĂĐĐŽƵŶƚďĞĨŽƌĞŝŶƚĞƌĞƐƚŝƐƉĂŝĚĂĐĐƌƵĞĚŝŶƚĞƌĞƐƚǁŝůůŶŽƚďĞƉĂŝĚ/ŶƚĞƌĞƐƚďĞŐŝŶƐƚŽĂĐĐƌƵĞŶŽůĂƚĞƌƚŚĂŶƚŚĞďƵƐŝŶĞƐƐĚĂLJǁĞƌĞĐĞŝǀĞĐƌĞĚŝƚĨŽƌƚŚĞĚĞƉŽƐŝƚŽĨŶŽŶĐĂƐŚ;ĐŚĞĐŬƐͿ
^ĞĞƚŚĞĞƉŽƐŝƚZĂƚĞ^ŚĞĞƚĨŽƌĚĞƚĂŝůƐ
/K>dŚĞĐŬŝŶŐ
KǀĞƌĚƌĂŌ^ĞƌǀŝĐĞƐ
KǀĞƌĚƌĂŌWƌŽƚĞĐƟŽŶ ƵƐƚŽŵĞƌƐĂƌĞƌĞƋƵŝƌĞĚƚŽŬĞĞƉƚŚĞƐĞĂĐĐŽƵŶƚƐĨƌĞĞŽĨŽǀĞƌĚƌĂŌ EŽŽǀĞƌĚƌĂŌƉƌŽͲƚĞĐƟŽŶŝƐĂůůŽǁĞĚ
ΞŵĞŐLJĂŶŬĚŝǀŝƐŝŽŶŽĨŝŽŶƐĂŶĐŽƌƉŽƌĂƟŽŶEDĞŵďĞƌ&/ ZĞǀŝƐĞĚEŽǀĞŵďĞƌϮϬϮϬ
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ΞŵĞŐLJĂŶŬĚŝǀŝƐŝŽŶŽĨŝŽŶƐĂŶĐŽƌƉŽƌĂƟŽŶEDĞŵďĞƌ&/ ZĞǀŝƐĞĚEŽǀĞŵďĞƌϮϬϮϬ
ϭ ŽŶǀĞŶŝĞŶĐĞ^ĞƌǀŝĐĞƐ/ŶƚĞƌŶĞƚŵŽďŝůĞĂŶĚƚĞdžƚŵĞƐƐĂŐŝŶŐƐĞƌǀŝĐĞƉƌŽǀŝĚĞƌƌĂƚĞƐĂŶĚĨĞĞƐĂƉƉůLJĨŽƌƚŚĞĨŽůůŽǁŝŶŐƐĞƌǀŝĐĞƐKŶůŝŶĞĂŶŬŝŶŐDŽďŝůĞĂŶŬŝŶŐĂƌĚůĞƌƚƐŽƌDŽďŝůĞĂƌĚ&ƌĂƵĚůĞƌƚƐdƌĂŶƐĂĐƟŽŶŶŽƟĮĐĂƟŽŶƐĂƌĞƐĞŶƚƚŽLJŽƵƌĞŵĂŝůĂĐĐŽƵŶƚĂŶĚŽƌŵŽďŝůĞĚĞǀŝĐĞďLJ^D^ƚĞdžƚĐͲĐŽƵŶƚŵƵƐƚďĞĞŶƌŽůůĞĚŝŶKŶůŝŶĞĂŶŬŝŶŐƚŽĞŶƌŽůůŝŶĂŶĚŵĂŶĂŐĞĂƌĚůĞƌƚƐ
ĚĚŝƟŽŶĂůŝƐĐůŽƐƵƌĞƐ
ŵĞŶĚŵĞŶƚƐ dŚĞƐĞƚĞƌŵƐĂŶĚLJŽƵƌĞƉŽƐŝƚĐĐŽƵŶƚŐƌĞĞŵĞŶƚĂƌĞƐƵďũĞĐƚƚŽĐŚĂŶŐĞǁŝƚŚƐƵĐŚŶŽƟĐĞĂƐƌĞƋƵŝƌĞĚďLJůĂǁ^ĞĞLJŽƵƌĞƉŽƐŝƚĐĐŽƵŶƚŐƌĞĞŵĞŶƚĨŽƌĚĞƚĂŝůƐ
ŝƐƉƵƚĞZĞƐŽůƵƟŽŶŐƌĞĞŵĞŶƚ ŝƐƉƵƚĞƌĞƐŽůƵƟŽŶŝŶĐůƵĚĞƐĂũƵƌLJǁĂŝǀĞƌ^ĞĞLJŽƵƌĞƉŽƐŝƚĐĐŽƵŶƚŐƌĞĞŵĞŶƚĨŽƌĚĞƚĂŝůƐ
KƚŚĞƌ&ĞĞƐ WůĞĂƐĞƐĞĞƚŚĞĂƉƉůŝĐĂďůĞĨĞĞƐĐŚĞĚƵůĞĨŽƌƐĞƌǀŝĐĞĨĞĞƐŶŽƚůŝƐƚĞĚ
,ŽǁĞƉŽƐŝƚƐĂŶĚtŝƚŚĚƌĂǁĂůƐtŽƌŬ
ĞƉŽƐŝƚ&ƵŶĚƐǀĂŝůĂďŝůŝƚLJ
;tŚĞŶĨƵŶĚƐĚĞƉŽƐŝƚĞĚƚŽLJŽƵƌĂĐĐŽƵŶƚĂƌĞŐĞŶĞƌĂůůLJĂǀĂŝůĂďůĞͿ
ĂƐŚĚĞƉŽƐŝƚĞĚEĞdžƚďƵƐŝŶĞƐƐĚĂLJ ŚĞĐŬĚĞƉŽƐŝƚĞĚEĞdžƚďƵƐŝŶĞƐƐĚĂLJŐĞŶĞƌĂůůLJƵŶůĞƐƐĂŚŽůĚŝƐƉůĂĐĞĚ ŝƌĞĐƚĞƉŽƐŝƚĂŶĚtŝƌĞdƌĂŶƐĨĞƌ^ĂŵĞďƵƐŝŶĞƐƐĚĂLJ
tĞŵĂLJƉůĂĐĞĂŚŽůĚŽŶĨƵŶĚƐLJŽƵĚĞƉŽƐŝƚŝŶLJŽƵƌĂĐĐŽƵŶƚďLJĐŚĞĐŬ/ĨǁĞĚŽĂƉŽƌƟŽŶŽĨƚŚĞĨƵŶĚƐǁŝůůŐĞŶĞƌĂůůLJďĞĂǀĂŝůĂďůĞƚŽLJŽƵƚŚĞĮƌƐƚďƵƐŝŶĞƐƐĚĂLJĂŌĞƌƚŚĞĚĂLJŽĨĚĞƉŽƐŝƚĞƉĞŶĚŝŶŐŽŶƚŚĞƚLJƉĞŽĨĐŚĞĐŬLJŽƵĚĞƉŽƐŝƚƚŚĞƌĞŵĂŝŶĚĞƌŽĨƚŚĞĨƵŶĚƐŵĂLJŶŽƚďĞĂǀĂŝůĂďůĞƚŽLJŽƵƵŶƟůƚŚĞƐĞĐŽŶĚĚĂLJĂŌĞƌƚŚĞĚĂLJŽĨĚĞƉŽƐŝƚŽƌĞǀĞŶůĂƚĞƌtĞǁŝůůŐĞŶĞƌĂůůLJƚĞůůLJŽƵĂƚƚŚĞƟŵĞLJŽƵĚĞƉŽƐŝƚĂĐŚĞĐŬŝĨĂƉŽƌƟŽŶŽĨƚŚĞĨƵŶĚƐĨƌŽŵƚŚĞĐŚĞĐŬǁŝůůŶŽƚďĞĂǀĂŝůĂďůĞƚŽLJŽƵƚŚĞďƵƐŝŶĞƐƐĚĂLJĂŌĞƌƚŚĞĚĂLJŽĨĚĞƉŽƐŝƚ tĞǁŝůůĂůƐŽƚĞůůLJŽƵǁŚĞŶƚŚŽƐĞĨƵŶĚƐǁŝůůďĞĂǀĂŝůĂďůĞ&ŽƌĚĞƚĞƌŵŝŶŝŶŐƚŚĞĂǀĂŝůĂďŝůŝƚLJŽĨĨƵŶĚƐĚĞƉŽƐŝƚĞĚďLJĐŚĞĐŬĞǀĞƌLJĚĂLJŝƐĂďƵƐŝŶĞƐƐĚĂLJĞdžĐĞƉƚ^ĂƚƵƌĚĂLJƐ^ƵŶĚĂLJƐĂŶĚĨĞĚĞƌĂůŚŽůŝĚĂLJƐdŚĞĞŶĚŽĨĂďƵƐŝŶĞƐƐĚĂLJǀĂƌŝĞƐďLJďĂŶŬŝŶŐĐĞŶƚĞƌ^ĞĞLJŽƵƌĞƉŽƐŝƚĐĐŽƵŶƚŐƌĞĞŵĞŶƚĨŽƌĂĚĚŝƟŽŶĂůĚĞƚĂŝůƐ