Filing # 192495929 E-Filed 02/22/2024 10:29:05 AM


,17+(&,5&8,7&28572)7+((,*+7((17+-8',&,$/&,5&8,7
,1$1')256(0,12/(&2817<)/25,'$

$1'5(:7('(6&2
$Q,QGLYLGXDODQG$V3DUHQWDQG
1DWXUDO*XDUGLDQWR$9$
7('(6&2 PLQRU DQG*,$11$
7('(6&2 PLQRU 
       &$6(12 2024CA000331
3ODLQWLII
      
YV

7+(6&+22/%2$5'2)6(0,12/(&2817<
$QG6(0,12/(&2817<%2$5'2)

L
&2817<&200,66,21(56


IA
'HIHQGDQWV
BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB


C
 &203/$,17

I


F
 &20(612:WKH3ODLQWLII$1'5(:7('(6&2$Q,QGLYLGXDODQG$V3DUHQWDQG1DWXUDO

F
*XDUGLDQRI$9$7('(6&2$0LQRUDQG*,$11$7('(6&2$0LQRUE\DQGWKURXJKWKHXQGHU

O
VLJQHG DWWRUQH\ DQG VXHV WKH 'HIHQGDQWV 7+( 6&+22/ %2$5' 2) 6(0,12/( &2817<

N
KHUHLQDIWHUUHIHUUHGWRDV³6&+22/%2$5'´ DQG6(0,12/(&2817<%2$5'2)&2817<

&200,66,21(56 KHUHLQDIWHUUHIHUUHGWRDV³6&%2&&´ DQGVD\V

U

&20021$//(*$7,216

7KLV LV DQ DFWLRQ IRU GDPDJHV ZKLFK H[FHHG WKH VXP RI ),)7< 7+286$1'

 '2//$56

  7KHLQFLGHQWZKLFKLVVXEMHFWPDWWHURIWKLV&RPSODLQWRFFXUUHGRQ$XJXVWLQ

6HPLQROH&RXQW\)ORULGD

 $WDOOWLPHVPDWHULDOKHUHWR3ODLQWLII$1'5(:7('(6&2ZDVDUHVLGHQWRI6HPLQROH

&RXQW\)ORULGD

 $W DOO WLPHV PDWHULDO KHUHWR 3ODLQWLII $1'5(: 7('(6&2 $V 3DUHQW DQG 1DWXUDO

*** E-FILED: GRANT MALOY, CLERK OF CIRCUIT COURT SEMINOLE COUNTY, FL 02/22/2024 11:05:08 AM.****
*XDUGLDQRI$9$7('(6&2ZHUHDQGDUHUHVLGHQWVRI6HPLQROH&RXQW\)/

 $W DOO WLPHV PDWHULDO KHUHWR 3ODLQWLII $1'5(: 7('(6&2 $V 3DUHQW DQG 1DWXUDO

*XDUGLDQRI*,$11$7('(6&2ZHUHDQGDUHUHVLGHQWVRI6HPLQROH&RXQW\)/

 $W DOO WLPHV PDWHULDO KHUHWR $1'5(: 7('(6&2 $9$ 7('(6&2 DQG *,$11$

7('(6&2UHVLGHGWRJHWKHULQ6HPLQROH&RXQW\DQGHQMR\HGDIDPLOLDOUHODWLRQVKLS

 $W DOO WLPHV PDWHULDO WR WKLV FDXVH WKH 'HIHQGDQW 6&+22/ %2$5' ZDV DQG LV D

)ORULGD*RYHUQPHQW$JHQF\GRLQJEXVLQHVVLQWKH6WDWHRI)ORULGDZLWKRIILFHVLQ6HPLQROH&RXQW\

 7KDWRQRUDERXW$XJXVWWKH'HIHQGDQW6&+22/%2$5'RZQHGRSHUDWHG

L
PDQDJHGDQGZDVLQFRQWURORIWKHSURSHUW\ZKRVHDGGUHVVLV7XVNDZLOOD5RDG:LQWHU6SULQJV)/

IA
PRUHSDUWLFXODUO\NQRZQDV.HHWK(OHPHQWDU\6FKRRO

 $W DOO WLPHV PDWHULDO WR WKLV FDXVH WKH 'HIHQGDQW 6&%2&& ZDV DQG LV D )ORULGD



F I C
*RYHUQPHQW$JHQF\GRLQJEXVLQHVVLQWKH6WDWHRI)ORULGDZLWKRIILFHVLQ6HPLQROH&RXQW\

7KDWRQRUDERXW$XJXVWWKH'HIHQGDQW6&%2&&RZQHGRSHUDWHGPDQDJHG

F
DQGZDVLQFRQWURORIWKHSURSHUW\ZKRVHDGGUHVVLV7XVNDZLOOD5RDG:LQWHU6SULQJV)/

O
PRUHSDUWLFXODUO\NQRZQDV.HHWK(OHPHQWDU\6FKRRO

N
 7KDW RQ WKH DERYHPHQWLRQHG GDWH 1LFROH /HH 7HGHVFR ZLIH RI 3ODLQWLII

U
$1'5(:7('(6&2DQG3DUHQWWR$9$7('(6&2DQG*,$11$7('(6&2ZDVOHJDOO\XSRQ

VDLGSUHPLVHVDVDSDUHQWDQGZDVH[SUHVVO\RULPSOLHGO\LQYLWHGXSRQVDLGSUHPLVHVIRUWKHEHQHILW

RIVDLG'HIHQGDQWV

 $WVDLGWLPHDQGSODFH'HIHQGDQW6&+22/%2$5'QHJOLJHQWO\PDLQWDLQHGD

VDIHHQYLURQPHQWIRULWVLQYLWHGSDWURQV

 $W VDLG WLPH DQG SODFH 'HIHQGDQW 6&%2&& QHJOLJHQWO\ PDLQWDLQHG D VDIH

HQYLURQPHQWIRULWVLQYLWHGSDWURQV

 6SHFLILFDOO\ 6&+22/ %2$5' PDNHV SDUHQWV ZDLW RXWVLGH IRU WKHLU FKLOGUHQ

GXULQJ GLVPLVVDO LQ DQ DUHD WKDW LV XQSURWHFWHG IURP UDLQ WKXQGHUVWRUPV DQG RWKHU H[WUHPH
ZHDWKHU1RSURWHFWLRQIURPWKHHOHPHQWVLVDYDLODEOH

 $WWKHWLPHRIWKHLQFLGHQWLWZDVDWLPHRI\HDUZKHUHKHDY\UDLQWKXQGHUVWRUPV

DQGVSHFLILFDOO\OLJKWQLQJFRXOGRFFXUDWDPRPHQW¶VQRWLFH$VVXFKOLJKWQLQJZDVDIRUHVHHDEOH

ULVNIRUWKHSDUHQWVKDYLQJWRZDLWIRUWKHLU\RXQJFKLOGUHQGXULQJGLVPLVVDO

 $V$9$7('(6&2DQG*,$11$7('(6&2ZHUHDSSURDFKLQJWKHLUPRWKHUDIWHU

VFKRROGLVPLVVDOLQWKHRQO\DUHDZKHUHWKHLUPRWKHUFRXOGZDLWOLJKWQLQJVWUXFNNLOOLQJ3ODLQWLII¶V

PRWKHUDQGVHYHUHO\LQMXULQJWKHWZRJLUOVDQGWKHIDPLO\GRJ

 7KDW WKH QHJOLJHQW FRQGLWLRQ UHIHUHQFHG LQ SDUDJUDSK  DERYH ZDV NQRZQ WR

L
'HIHQGDQW6&+22/%2$5'RUKDGH[LVWHGIRUDVXIILFLHQWOHQJWKRIWLPHVRWKDW'HIHQGDQW

IA
6&+22/%2$5'VKRXOGKDYHNQRZQRILW)XUWKHUWKHDERYHUHIHUHQFHGGDQJHURXVFRQGLWLRQ

ZDVFUHDWHGE\'HIHQGDQW6&+22/%2$5'



F I C
7KDW WKH QHJOLJHQW FRQGLWLRQ UHIHUHQFHG LQ SDUDJUDSK  DERYH ZDV NQRZQ WR

'HIHQGDQW6&%2&&RUKDGH[LVWHGIRUDVXIILFLHQWOHQJWKRIWLPHVRWKDW'HIHQGDQW6&%2&&

F
VKRXOGKDYHNQRZQRILW)XUWKHUWKHGDQJHURXVFRQGLWLRQZDVFUHDWHGE\6&%2&&

O
 7KDWRQRUDERXW$XJXVW1LFROH/HH7HGHVFRZLIHRI3ODLQWLII$1'5(:

N
7('(6&2DQG3DUHQWWR$9$7('(6&2DQG*,$11$7('(6&2ZDVVWUXFNDQGNLOOHGE\

U
OLJKWHQLQJZKLOHDSDWURQRQWKH'HIHQGDQWV¶SURSHUW\

 $WDOOWLPHVPDWHULDOKHUHWR'HIHQGDQW6&+22/%2$5'ZDVUHVSRQVLEOHIRU

SURYLGLQJDVDIHHQYLURQPHQWIRULWVLQYLWHGSDWURQVDQGJXHVWVZKLOHRQ'HIHQGDQW¶V6&+22/

%2$5'SURSHUW\

 $WDOOWLPHVPDWHULDOKHUHWR'HIHQGDQW6&%2&&ZDVUHVSRQVLEOHIRUSURYLGLQJD

VDIHHQYLURQPHQWIRULWVLQYLWHGSDWURQVDQGJXHVWVZKLOHRQ'HIHQGDQW¶V6&%2&&SURSHUW\

&2817,±1(*/,*(1&(2)6&+22/%2$5'

  3ODLQWLIIVUHDOOHJHVDQGUHDGRSWVDOORIWKHIRUHJRLQJSDUDJUDSKVRQH  WKURXJKWZHQW\

RQH  
  'HIHQGDQW6&+22/%2$5'RZHGDOHJDOGXW\WR1LFROH/HH7HGHVFRZLIHRI

3ODLQWLII $1'5(: 7('(6&2 DQG 3DUHQW WR $9$ 7('(6&2 DQG *,$11$ 7('(6&2 WR

H[HUFLVHUHDVRQDEOHFDUHIRUKHUVDIHW\ZKLOHVKHZDVODZIXOO\RQWKHSURSHUW\RIWKH'HIHQGDQW

6&+22/%2$5'

 'HIHQGDQW6&+22/%2$5'ZDVQHJOLJHQWDQGLWEUHDFKHGLWVGXW\RZHGWRWKH

3ODLQWLIIE\

D IDLOLQJWRZDUQRIWKHGDQJHUVWRWKHSDWURQVRQWKH'HIHQGDQW¶VSURSHUW\

E IDLOLQJWRSURYLGHDQGRUFUHDWHDGHTXDWHVDIHW\PHDVXUHVRQWKH'HIHQGDQW¶V

L
SURSHUW\

IA
F IDLOLQJWRUHFRJQL]HDFOHDUDQGSUHVHQWGDQJHU

G IDLOLQJ WR DGHTXDWHO\ ZDUQ 3ODLQWLII RI WKH IRUHVHHDEOH ULVNV RI LQMXU\ ZKHQ

F I C 'HIHQGDQW 6&+22/ %2$5' KDG DFWXDO NQRZOHGJH RU E\ WKH H[HUFLVH RI

UHDVRQDEOHFDUHVKRXOGKDYHNQRZQRIWKHGDQJHURXVFRQGLWLRQ

F
H &UHDWLQJDGDQJHURXVFRQGLWLRQDQG

O
I 7KHRYHUDOOIDLOXUHWRSURYLGHDVDIHHQYLURQPHQWIRU1LFROH/HH7HGHVFRZLIH

N
RI 3ODLQWLII $1'5(: 7('(6&2 DQG 3DUHQW WR $9$ 7('(6&2 DQG

U
*,$11$7('(6&2

 $VDGLUHFWDQGSUR[LPDWHUHVXOWRI'HIHQGDQW¶V6&+22/%2$5'QHJOLJHQFH

1LFROH/HH7HGHVFRZLIHRI3ODLQWLII$1'5(:7('(6&2DQG3DUHQWWR$9$7('(6&2DQG

*,$11$7('(6&2VXVWDLQHGVHYHUHDQGSHUPDQHQWLQMXULHVDQGORVVHVLQFOXGLQJERGLO\LQMXU\

DQG UHVXOWLQJ SDLQ DQG VXIIHULQJ LPSDLUPHQW GLVDELOLW\ LQFRQYHQLHQFH GLVILJXUHPHQW PHQWDO

DQJXLVKORVVRIFDSDFLW\IRUWKHHQMR\PHQWRIOLIHH[SHQVHRIKRVSLWDOL]DWLRQPHGLFDODQGQXUVLQJ

FDUHDQGWUHDWPHQWDQGGHDWK
  3ODLQWLIIV$1'5(:7('(6&2$9$7('(6&2DQG*,$11$7('(6&2DV

DGLUHFWDQGSUR[LPDWHUHVXOWRI'HIHQGDQW¶V6&+22/%2$5'QHJOLJHQFHKDYHVXIIHUHGWKH

DERYHLQMXULHVORVVHVDQGREOLJDWLRQVLQWKHSDVWDQGZLOOFRQWLQXHWRVXIIHUVDPHLQWKHIXWXUH

:+(5()25( 3ODLQWLIIV $1'5(: 7('(6&2 $Q ,QGLYLGXDO DQG $V 3DUHQW DQG

1DWXUDO*XDUGLDQWR$9$7('(6&2DQG*,$11$7('(6&2GHPDQGVMXGJPHQWIRUGDPDJHV

DJDLQVW 'HIHQGDQW 6&+22/ %2$5' IRU FRPSHQVDWRU\ GDPDJHV FRVWV LQWHUHVW LQFOXGLQJ

SUHMXGJPHQW LQWHUHVW DQG DQ\ VXFK UHOLHI WR ZKLFK 3ODLQWLIIV $1'5(: 7('(6&2 $Q

,QGLYLGXDODQG$V3DUHQWDQG1DWXUDO*XDUGLDQWR$9$7('(6&2DQG*,$11$7('(6&2DUH

L
HQWLWOHG

IA
&2817,,
1(*/,*(1&(2)6&%2&&


C
  3ODLQWLIIVUHDOOHJHVDQGUHDGRSWVDOORIWKHIRUHJRLQJSDUDJUDSKVRQH  WKURXJKWZHQW\

RQH  

F I
F
 'HIHQGDQW6&%2&&RZHGDOHJDOGXW\WR1LFROH/HH7HGHVFRZLIHRI3ODLQWLII

O
$1'5(: 7('(6&2 DQG 3DUHQW WR $9$ 7('(6&2 DQG *,$11$ 7('(6&2 WR H[HUFLVH

N
UHDVRQDEOHFDUHIRUKHUVDIHW\ZKLOHVKHZDVODZIXOO\RQWKHSURSHUW\RIWKH'HIHQGDQW6&%2&&

 'HIHQGDQW6&%2&&ZDVQHJOLJHQWDQGLWEUHDFKHGLWVGXW\RZHGWRWKH3ODLQWLII

E\

U D IDLOLQJWRZDUQRIWKHGDQJHUVWRWKHSDWURQVRQWKH'HIHQGDQW¶VSURSHUW\

E IDLOLQJWRSURYLGHDQGRUFUHDWHDGHTXDWHVDIHW\PHDVXUHVRQWKH'HIHQGDQW¶V

SURSHUW\

F IDLOLQJWRUHFRJQL]HDFOHDUDQGSUHVHQWGDQJHU

G IDLOLQJ WR DGHTXDWHO\ ZDUQ 3ODLQWLII RI WKH IRUHVHHDEOH ULVNV RI LQMXU\ ZKHQ

'HIHQGDQW 6&+22/ %2$5' KDG DFWXDO NQRZOHGJH RU E\ WKH H[HUFLVH RI

UHDVRQDEOHFDUHVKRXOGKDYHNQRZQRIWKHGDQJHURXVFRQGLWLRQ
 H &UHDWLQJDGDQJHURXVFRQGLWLRQDQG

I 7KHRYHUDOOIDLOXUHWRSURYLGHDVDIHHQYLURQPHQWIRU1LFROH/HH7HGHVFRZLIH

RI 3ODLQWLII $1'5(: 7('(6&2 DQG 3DUHQW WR $9$ 7('(6&2 DQG

*,$11$7('(6&2

 $VDGLUHFWDQGSUR[LPDWHUHVXOWRI'HIHQGDQW¶V6&%2&&QHJOLJHQFH1LFROH/HH

7HGHVFRZLIHRI3ODLQWLII$1'5(:7('(6&2DQG3DUHQWWR$9$7('(6&2DQG*,$11$

7('(6&2 VXVWDLQHG VHYHUH DQG SHUPDQHQW LQMXULHV DQG ORVVHV LQFOXGLQJ ERGLO\ LQMXU\ DQG

UHVXOWLQJSDLQDQGVXIIHULQJLPSDLUPHQWGLVDELOLW\LQFRQYHQLHQFHGLVILJXUHPHQWPHQWDODQJXLVK

L
ORVVRIFDSDFLW\IRUWKHHQMR\PHQWRIOLIHH[SHQVHRIKRVSLWDOL]DWLRQPHGLFDODQGQXUVLQJFDUHDQG

IA
WUHDWPHQWDQGGHDWK

 3ODLQWLIIV$1'5(:7('(6&2$9$7('(6&2DQG*,$11$7('(6&2DV

I C
D GLUHFW DQG SUR[LPDWH UHVXOW RI 'HIHQGDQW¶V 6&%2&& QHJOLJHQFH KDYH VXIIHUHG WKH DERYH

F
LQMXULHVORVVHVDQGREOLJDWLRQVLQWKHSDVWDQGZLOOFRQWLQXHWRVXIIHUVDPHLQWKHIXWXUH

F
:+(5()25( 3ODLQWLIIV $1'5(: 7('(6&2 $Q ,QGLYLGXDO DQG $V 3DUHQW DQG

O
1DWXUDO*XDUGLDQWR$9$7('(6&2DQG*,$11$7('(6&2GHPDQGMXGJPHQWIRUGDPDJHV

N
DJDLQVW'HIHQGDQW6&%2&&IRUFRPSHQVDWRU\GDPDJHVFRVWVLQWHUHVWLQFOXGLQJSUHMXGJPHQW

U
LQWHUHVW DQGDQ\ VXFKUHOLHIWRZKLFK3ODLQWLIIV$1'5(: 7('(6&2 $Q,QGLYLGXDODQG $V

3DUHQWDQG1DWXUDO*XDUGLDQWR$9$7('(6&2DQG*,$11$7('(6&2DUHHQWLWOHG

&203/,$1&(:,7+)/25,'$67$787(  

 3XUVXDQWWRWKHSURYLVLRQVRI)ORULGD6WDWXWH  RQ-XO\3ODLQWLIIVQRWLILHG
'HIHQGDQWVRIWKLVFODLP0RUHWKDQVL[PRQWKVH[SLUHGVLQFHQRWLILFDWLRQDQGWKHFODLPLVGHHPHG
GHQLHG$OORWKHUFRQGLWLRQVSUHFHGHQWKDYHEHHQSHUIRUPHGRURFFXUUHGSULRUWRWKHEULQJLQJRI
WKLVDFWLRQRUWKH\KDYHEHHQZDLYHGE\WKH'HIHQGDQWV



 

'(0$1')25-85<75,$/

3XUVXDQW WR )OD5&LY3  E  3ODLQWLIIV $1'5(: 7('(6&2 $Q ,QGLYLGXDO DQG $V
3DUHQWDQG1DWXUDO*XDUGLDQWR$9$7('(6&2DQG*,$11$7('(6&2GHPDQGDWULDOE\MXU\
RQDOOLVVXHVWULDEOHRIULJKWE\DMXU\


'DWHG    5REHUW-+RUVW(VTXLUH
$WWRUQH\IRU3ODLQWLIIV
$DURQ:+XPSKUH\
$WWRUQH\IRU3ODLQWLIIV
+RUVW/DZ)LUP
      +D]HOWLQH1DWLRQDO'ULYH
      6XLWH

L
      2UODQGR)/
       

IA
      (PDLO5RE#KRUVWODZILUPFRP
       $DURQ#KRUVWODZILUPFRP
       0DULD#KRUVWODZILUPFRP

C
      

I
     %</s/ Robert J. Horst

F
     5REHUW-+RUVW
     )OD%DU1R

F


NO
U