R EGULACIONES  N O ARANCELARIAS

MONIQUE MCLAUGHLIN

MORTGAGE CONTRACT NUMBER 10450486

REGISTRATION SECTION BODDEN TOWN, BLOCK 43A, PARCEL 224 LOAN ACCOUNT NUMBER 10450487

We act for FirstCaribbean International Bank (Cayman) Limited (“the Bank”) which is the holder of a registered Charge over the property known as Registration Section Bodden Town, Block 43A, Parcel 224 (“the Charge”). We are instructed that you are, and have been for a period in excess of one month in default of payment of the monthly sum due under the terms of the Charge. The value of the monthly instalments outstanding to date is CI$9,013.58 (“the Arrears”). By this letter we give you notice to pay the Arrears immediately.

The total amount outstanding under the Charge is CI$73,417.69 and interest is accruing at a daily rate of CI$11.03. We also hereby give you formal notice of demand for the immediate payment of the total amount outstanding under the Charge together with accrued interest to the date of payment.

In relation to loan account number 10450487 in your name, we are instructed that you are, and have been for 696 days, in default of payment of the monthly sum due under the terms of your loan agreement with the Bank. As at 20 April 2015 the arrears were CI$5,539.19.

By reason of your aforesaid default the full amount due on the loan account has become due and payable. As at 20 April 2015 the amount outstanding under the loan totals CI$32,141.58, including with interest of CI$4,803.419 and late fees of CI$736.00. Interest continues to accrue at the daily rate of CI$7.47. We also hereby give you formal notice of demand for the immediate payment of the total amount outstanding, together with accrued interest and late fees to the date of payment.

Monday, 8 June 2015 760 Issue No.12/2015 Failure to comply with this notice and demand will entitle the Bank, at its option, to exercise its rights under the Charge and the Registered Land Law (2004 Revision) and by this letter we put you on notice that if full payment of the arrears is not received within 7 days of the date of service of this letter, the property will be advertised for sale on the Cayman Islands’ Multiple Listing System and may be sold without further notice to you.

Please acknowledge receipt of this letter by signing the attached copy letter and returning same to us.

20 April 2015

CAMPBELLS TO SHANE McCOY & DENISE McCOY of

P.O. Box 909, GRAND CAYMAN, KY1-1103, CAYMAN ISLANDS

NOTICE UNDER SECTION 64(2) OF THE REGISTERED LAND LAW (2004) REVISION

This Notice is issued on behalf of Butterfield Bank (Cayman) Limited (“the Bank”) in connection with a Loan Agreement dated 29 July 2009 (“the Agreement”) for US$590,000.

The Loan is secured by a First Legal Charge against Savannah, Block 27C, Parcel 282 registered on 11 August 2009 (as varied) and a Collateral Charge against Savannah, Block 27C, Parcel 281 registered on 11 August 2009 (as varied) (“the Properties”).

Payment Default

The Loan has been classified as non-performing due to non-payment of the monthly liabilities as set out in the Agreement.

As at 2 April 2015, the outstanding balance of the Loan was US$529,109.15 inclusive of interest and late fees which continue to accrue at a rate of US$57.98 per diem. As at 2 April 2015, the arrears were US$20,871.83.

This Notice is a formal demand for payment of the outstanding balance secured by the Charges. You are required to make payment of all monies due, failing which, the Bank will be entitled to take steps to recover the indebtedness, including, but not limited to, seeking to sell the Property.

HSM CHAMBERS TO SHANE McCOY & DENISE McCOY of

P.O. Box 909, GRAND CAYMAN, KY1-1103, CAYMAN ISLANDS

NOTICE UNDER SECTION 72 OF THE REGISTERED LAND LAW (2004) REVISION

This Notice is issued on behalf of Butterfield Bank (Cayman) Limited (“the Bank”) in connection with a Loan Agreement dated 29 July 2009 (“the Loan Agreement”) for US$590,000.

The Loan is secured by a First Legal Charge against Savannah, Block 27C, Parcel 282 registered on 11 August 2009 (as varied) and a Collateral Charge against Savannah, Block 27C, Parcel 281 registered on 11 August 2009 (as varied) (“the Properties”).

Payment Default

The Loan has been classified as non-performing due to non-payment of the monthly liabilities as set out in the Loan Agreement.

As at 2 April 2015, the arrears were US$20,871.83. Interest continues to accrue at a rate of US$57.98 per diem.

Monday, 8 June 2015 761 Issue No.12/2015 This Notice is a formal demand for payment of the arrears which requires you to make payment of

$20,871.83. If full payment of the arrears is not received within three months of the date of publication of the third notice, the Bank will be entitled to take steps to recover the indebtedness, including, but not limited to, seeking to sell the Property.

HSM CHAMBERS TERENCE AND ANTHONIA SPENCER

NOTICE UNDER SECTION 64(2) OF THE REGISTRERED LAND LAW (2004 REVISION)

We act for the CIBC FirstCaribbean Bank (“our Client”). Our client has consulted us in connection with the following loans made to you:

 Loan agreement dated 14th November 2007 (“Loan Agreement ”) for CI$447,000.00

 In accordance with the terms of the Loan Agreement, the loan is secured by a Legal Charge registered against Bodden Town, Block 43A, Parcel 159 (“the Property”).

Payment Default

Our instructions are that the above-mentioned loan has been classified as non-performing due to non-payment of your monthly liabilities as set out in the Loan Agreement.

As at 22 April 2015 the loan balance on this account was CI$418,630.47 inclusive of interest which continues to accrue at a rate of 10% per annum.

This notice is a demand for payment of the loan balance secured by the legal charge in accordance with Section 64(2) of the Registered Land Law (2004 Revision).

22 April 2015

RITCH & CONOLLY TERENCE AND ANTHONIA SPENCER

NOTICE UNDER SECTION 72(1) OF THE REGISTRERED LAND LAW (2004 REVISION)

We act for CIBC FirstCaribbean Bank (“our Client”). Our client has consulted us in connection with the following loans made to you:

1. Loan agreement dated 14th November 2007 (“Loan Agreement ”) for CI$447,000.00

In accordance with the terms of the Loan Agreement, the loan is secured by a Legal Charge registered against Bodden Town, Block 43A, Parcel 159 (“the Property”).

Payment Default

Our instructions are that the above-mentioned loan has been classified as non-performing due to non-payment of your monthly liabilities as set out in the Loan Agreement.

The loan balance on this account is CI$418,630.47 inclusive of interest which continues to accrue at a rate of 10% per annum.

Monday, 8 June 2015 762 Issue No.12/2015 Notice is hereby given, pursuant to Section 72(1) of the Registered Land Law (2004 Revision), that if the arrears are not paid within three months from the date of publication of this notice and thereafter the account maintained in accordance with the loan agreement, our Client will take the necessary legal proceedings against you to enforce and recover payment and if necessary, to sell the Property.

22 April 2015

RITCH & CONOLLY