text: St. George Tower and Grill Owners Corp. 111 Hicks Street, Brooklyn Heights, New York 11201 Sale Application Package Complete this on your computer: This application package is available as a "fill-in" Microsoft Word file, which you can download from our web site: www.111HicksStreet.com IMPORTANT: Please direct all inquiries to the Building Manager's office. You must make an appointment with the Building Manager to review and submit the completed package. Submitted applications are reviewed once a month by the Admissions Committee. The monthly deadline for submission of a Sale Application package can be obtained from the Building Manager. Late submissions will be kept for review the following month. Managing Agent: AKAM Associates Building Manager's Site Office ................ Phone ..... (718) 802-1976 Ms. Patty Marcus Fax ......... (718) 522-4397 email: firstname.lastname@example.com AKAM Associates (Main Office) .............. Phone ..... (212) 986-0001 260 Madison Avenue, 12th Floor Fax ......... (212) 986-0002 New York, NY 10016 111 Hicks Street, Front Desk ............... Phone .... (718) 855-2391 REVISED: MARCH 2012 St. George Tower and Grill Owners Corp. Sale Application Package TABLE OF CONTENTS Page How Does the Application Process Work? ..................................................... 3 Admissions Process ................................................................................. 3 Closing ...................................................................................................... 3 Moving In .................................................................................................. 3 General Information and FAQs ...................................................................... 4 Maintenance payments ............................................................................. 4 Who can live in my apartment at the St. George? .................................... 4 What if I want to renovate my apartment? ................................................ 4 How to Prepare Your Application Package .................................................... 5 Important Guidelines & Recommendations ............................................. 5 Required Forms and Documents ............................................................... 6–7 Summary of Submission and Review Process ............................................... 7 Included Forms: Overview of Application (Form A) ....................................................... 9–10 Co-operative Stock Purchase Application (Form B) .......................... 11–12 Residence, Employment & Financial Information (Form C) .............. 13–22 Recognition Agreement (Form D) ..................................................... 23–24 Authorization For Credit Investigation (Form E) ................................. 25-26 Window Guard Requirement (Form F) .................................................... 27 House Rules Agreement (Form G) ......................................................... 28 Lead-Based Paint Affidavit (Form H) ...................................................... 29 Disclosure of Information on Lead-Based Paint (Form J) ....................... 30 EPA Information on Lead in Your Home ................................................. 31 Bedbug Infestation Disclosure (Form K) ............................................ 32-33 House Rules............................................................................................ 35-44 Rev. 03.2012 Sale Package, Page 2 How Does the Application Process Work? Admissions Process After you submit the required materials, we will verify your references, obtain a credit report, and distribute the application materials to the Admissions Committee for review. Based on the initial evaluation, the committee will recommend whether to interview you or not. If an interview is recommended, all applicants and all prospective residents are required to attend a personal interview with the Admissions Committee. Interviews are held once per month. The committee will review your application and make a non-binding recommendation to the board of directors. Please note that additional information may be required by the board. If so, you will be obligated to submit this information within a reasonable period of time. The board will vote on your application at their monthly meeting, usually one week after the Admissions Committee meeting. You can call our on-site manager (718 802-1976) the day after the board meeting to learn the result. A copy of our house rules and procedures is included in this package; please review them closely prior to an interview with the Admissions Committee. All submitted application packages (including the original), become the property of the St. George Tower and Grill Owners Corp. All information submitted to the committee is strictly confidential and may not be reproduced or kept by committee members. The original copy of the application is kept on file for the co-op's records. All other copies are collected after the Admissions Committee meeting and subsequently destroyed. In compliance with federal, state, and city law, the St. George Tower and Grill Owners Corp. does not discriminate in its admissions policy based on age, alien status, children (or childless state), country of national origin, creed, disability, gender (including gender identity), lawful occupation, marital status, military status, partnership status, race, religion, or sexual orientation. Closing If your application is approved, you should consult with your attorney and contact the AKAM main office (212-986-0001), with three tentative dates for a closing. The seller must pay a closing fee to AKAM Associates, for $700. If the closing is held outside the AKAM offices, an additional fee of $300-$500 will be charged, depending on location. Also, the St. George Tower and Grill Owners Corp. requires that the purchaser present a certificate of insurance (co-op homeowner's policy) at the closing. The insurance policy should include minimum liability coverage of $300,000. Important: A move-out by the current owner must take place before the date of closing. Applications or contracts of sale in which the current owner is allowed to remain in the apartment or to store their belongings in the apartment after closing, even for only a few days, will not be accepted. Similarly, a move-in by the new owner can only take place after the date of closing. Moving in If your application is approved, you will need to schedule a date and time for your move in with our site manager (718-802-1976; email@example.com). Moves are strictly limited to one per day and are permitted only on Monday, Wednesday, Thursday, or Friday. Moves must start and finish between 9 am and 5pm. and cannot happen on national holidays. This minimizes disturbances to other residents and allows the resident manager to coordinate use of the service elevator. Two checks, payable to "St. George Tower and Grill Owners Corp." must be submitted to the site manager before your move can commence: one check for $150 is a move-in fee; the second check Rev. 03.2012 Sale Package, Page 3 for $500 is a damage deposit. The damage deposit check of $500 will be returned to you unless you or your movers causes damage to common areas of the building. Similarly, a $150 fee and $500 deposit are required for moving out of the building. All household furnishings and items must be moved only through the service entrance on Clark Street, and you may use only the service elevator. A member of the building staff will be assigned to watch this entrance during your move to maintain building security, but note that the co-op is not responsible for the security of your possessions. General Information and FAQs Maintenance payments Maintenance payments are due on the first of each month. Bills are prepared and distributed several days in advance by the managing agent, AKAM Associates, Inc. Checks must be made out to St. George Tower & Grill and mailed to AKAM in the envelope provided. Maintenance payments must arrive at AKAM by the 15th of each month or a late fee of $50 will be charged. A fee of $75 is charged for a check returned by the bank. Checks may not be left at the front desk or with the building manager. An automated debit system (termed "ACH") is also available through AKAM. Please ask at the management office for an enrolment form after your closing is completed. Who can live in my apartment at the St. George? As described in the proprietary lease, only shareholder(s) or those listed in this application as proposed residents can live in an apartment at the St. George. Immediate family members can visit and, by prior arrangement with the shareholders, stay temporarily in the apartment even if the shareholder(s) are away from home. However, friends, colleagues, and relatives other than immediate family members can not stay in the apartment if the shareholder(s) are not present, even for a day or two, unless special arrangements are made and permission is granted by the board of directors. Similarly, shareholders may not sublet an apartment without permission from the board, and this can only be granted for short periods under restricted circumstances (see "Sublets" under "House Rules" in this package). Finally, under no circumstances are shareholders permitted to have roommates, subtenants, or other long-term residents, other than immediate family members or partners, without the permission of the board. What if I want to renovate my apartment? Major renovations (e.g., removing or installing walls, renovating bathrooms and kitchens) must be approved by the building committee (which reports to the board of directors) after you submit written details in a renovation package. Minor renovations and work such as: installation of carpets, new appliances, delivery of furniture, and so forth must also be coordinated with the resident manager and office. All work must be carried out on weekdays between 9 am to 5 pm. If your application is approved and you want to carry out renovations, please discuss this with the building manager first. The renovation package, containing guidelines, forms, and a list of documents to be submitted for renovations, is available from the management office or as a PDF file on our website (www.111HicksStreet.com). Rev. 03.2012 Sale Package, Page 4 How to Prepare Your Application Package This package contains forms that you will need to complete and submit together with copies of various documents. To use, click the gray fields or use the Tab key to move between fields and type the information into the field or check the appropriate box. DO NOT hit the "Enter" or "Return" keys. You can save and edit the file, making changes or corrections as you gather and verify the needed information. When you the forms are completed, print them and collate with the required documents—see "Required Forms and Documents" in the next section. Note that forms F and G must be signed, while forms B and H must be signed and notarized. Form J must be signed by the current shareholder/owner as well as the applicant. Important Guidelines & Recommendations 1. The Board of Directors of the St. George Tower and Grill Owners Corp. requires that sales in the building include a minimum 20% down payment. Packages with less will not be considered. 2. The board will not accept applications with a mortgage that includes or optionally permits the principal balance to be increased during the mortgage period, including, for example, a so-called "option adjustable rate mortgage". We prefer that applicants with financing have a standard, fixed rate, 10 to 30 year mortgage. The co-op will view unfavorably interest-only mortgages or short-term (3/1, 5/1) adjustable rate mortgages. 3. Generally, the board will not approve applications for which the proposed use of the apartment is something other than as a primary residence. 4. Applications received after the monthly deadline (1:00 p.m. on deadline date) will be held for review until the following month. 5. Please take time to carefully review the application and complete all the necessary forms, as it will take at least several hours to complete and collate all the information. Incomplete packages cannot be accepted or reviewed. 6. If you don't have access to a computer, you can fill in a paper copy of the forms by hand. In this case, printing, rather than cursive writing, is required. 7. Create and submit sets of all application forms (sections 1 to 15 listed on next page under "Required Forms and Documents") as follows: One (1) original set with all account numbers and information clearly listed. This original will be kept under lock and key in the building office. Eight (8) sets, preferably with all account information & social security numbers redacted, or blacked out. These copies will be distributed to the Admissions Committee for review, and later shredded. Place each set in a 3-ring or similar binder. Application accuracy, neatness, and organization are all important. The committee appreciates index tabs to help find each section more easily. Illegible or unreadable applications will be returned and will not be reviewed. Also, please submit three (3) original, Recognition Agreements, signed by both the borrower and bank representative. Rev. 03.2012 Sale Package, Page 5 Required Forms and Documents Each applicant must provide the documents listed below. On the enclosed forms, space is provided for an applicant and a co-applicant, if applicable. In the case of three or more applicants, please use appropriate copies or additions. Note that the board cannot accept applications for apartments whose current shareholders are in arrears or otherwise in default of the proprietary lease. Shareholders who are unable to cure the default before closing the sale will have to petition the board for an exemption before the application will be considered. In your application package, assemble the forms and documents in the following order: 1. Application Overview (Form A). 2. Co-operative Stock Purchase Application (Form B). This form must be notarized. 3. Personal and Financial Information (Form C). 4. Copies of most recent bank and brokerage account statements for each applicant. This must include all statements relevant to the finances listed on Form C, including checking, savings, and brokerage accounts. 5. Contract of sale. A copy of a fully executed contract of sale must be included. 6. Mortgage commitment (if there is bank financing). 7. Recognition Agreement (if there is bank financing) (Form D, or an equivalent form provided by your bank or mortgage broker). You must submit three (3) original, signed Recognition Agreements. 8. Copies of Federal income tax returns and W2 forms for the last two years, complete with all schedules and attachments, for all applicants. 9. Copies of last two pay stubs for each applicant. 10. Letters of reference for each applicant: a) Confirmation of employment, position and salary from your present employer. b) Reference from your present landlord or managing agent, if applicable. c) Bank reference letter. d) Two personal reference letters. 11. Authorization for Credit Investigation (Form E). Please submit a separate form for each applicant. The original copy must be accompanied by a $50 payment for each applicant, made payable to The St. George Tower & Grill. This form does not contain computer "fill-in" fields – please print the form and then write in the required information. 12. Window Guard Requirement (Form F). 13. House Rules Agreement (Form G). 14. Lead-Based Paint Affidavit (Form H); this form must be notarized. 15. Disclosure of Information on Lead-Based Paint and Lead-Based Paint Hazards (Form J). This form must be signed by the seller and the applicant. List continues on next page….. Rev. 03.2012 Sale Package, Page 6 Note: We require that you meet with the on-site building manager so that the application package can be thoroughly reviewed for accuracy and completeness. This appointment must be set for two or more days prior to the deadline. Thank you. If you have questions about the application forms or the required documents, please look on the building's website (www.111hicksstreet.com) or ask the building manager, whose contact information is on the front page of this document. Summary of Submission & Review Process Applicant makes appointment with and meets managing agent to check package for completeness. This MUST BE done before the due date. Package left at desk Incomplete packages will NOT be accepted. without review by managing A complete package submitted AFTER the due date agent will be considered the following month. Package will NOT be Incomplete accepted or reviewed. package Complete package Package review by Admissions Committee, which recommends whether or not to interview. Interview No Interview recommended Interview arranged by managing agent Interview with Admissions Committee Board vote at monthly meeting Managing agent informs applicant(s) of decision Rev. 03.2012 Sale Package, Page 7 FORM A: Overview of Application All Forms (A-K) & House Rules Follow This Page Rev. 03.2012 Sale Package, Page 8 FORM A: Overview of Application Form A. Overview of Application (Please complete all sections) 1. Apt. No.: 2. Sale price: $ 3. Amount of down payment: $ Amount to be financed: $ 4. Source of down payment or of entire payment if this is a cash purchase (check all that apply): Cash/Savings .........Amount: $ Please briefly list name of bank(s) & account type(s) Gift ..............Amount: $ Name of donor and relationship to applicant: In the application package, please include a letter from the donor concerning the gift. Other ..........Amount: $ Please explain the source of these additional funds: 5. Check if you currently: Own an apartment or house Rent an apartment or house Other: Please briefly provide details: Rev. 03.2012 Sale Package, Page 9 FORM A: Overview of Application 6. If you currently own your residence, are you planning to sell it? .......... Yes No Is the purchase at 111 Hicks Street dependent on this sale? .............. Yes No If "Yes" to either, please provide details: 7. List the names of all applicants, in whose name(s) the co-op shares will be held: Applicant 1: ........................................................ Daytime phone # ( ) - Applicant 2: ........................................................ Daytime phone # ( ) - Applicant 3: ........................................................ Daytime phone # ( ) - 8. List the names of all proposed residents of the apartment. If these are different from the proposed shareholders, please note relationship to applicants (e.g., self, spouse, daughter),. For residents over age 18, please complete the section "Personal Information For Non- shareholder Applicants" at the end of Form C (page 22 of this package). Resident 1: ............................................... Relationship to applicant: Resident 2: ............................................... Relationship to applicant: Resident 3: ............................................... Relationship to applicant: Resident 4: ............................................... Relationship to applicant: 9. Will the apartment at 111 Hicks St. be your primary residence?.......... Yes No Will the apartment at 111 Hicks St. be your only residence? ............... Yes No 10. Please note any other pertinent information in the box below, or, if the purchase is particularly complicated, include a letter of explanation. ≈ END OF FORM A ≈ Rev. 03.2012 Sale Package, Page 10 Form B Cooperative Stock Purchase Application To the Board of Directors of St. George Tower and Grill Owners Corporation: The undersigned hereby submit this application to purchase shares of stock in the St. George Tower and Grill Owners Corporation (the "Corporation") and Proprietary Lease for Apartment at 111 Hicks Street, Brooklyn, New York. We/I hereby acknowledge understanding of the following: 1. Pursuant to authority granted in the Proprietary Lease and By-Laws of the Corporation, the Board of Directors will use this application to obtain background information regarding proposed purchasers of the Corporation's stock. 2. The Board of Directors may require additional information and will require that the applicant(s) appear for a personal interview. Other persons who will reside in the apartment are also required to appear at this interview. 3. The proposed purchase cannot be consummated without the consent of the Board of Directors. 4. We/I have read the Proprietary Lease and House Rules which govern the occupancy of the apartment and agree to abide by these rules. 5. In no event will the Corporation, the Board of Directors, or its agents be responsible for any liabilities or expenses incurred by an applicant whose application is not approved. 6. While the Board of Directors will attempt to review all applications promptly, the Corporation, the Board of Directors, and its agents will not be responsible for expenses or liabilities resulting from any delay in this review. 7. Falsification of any of the enclosed information, or omission of material information may result, without limitation, in revocation of approval by the Board of Directors and termination of the applicant's Proprietary Lease. The undersigned authorize(s) the Board of Directors to contact any of the employers, banks, landlords, educational institutions, references, etc. described herein for information bearing upon this application. The undersigned hereby makes application to purchase shares of stock in the Corporation and the Proprietary Lease for the Apartment listed above. Rev. 03.2012 Sale Package, Page 11 The undersigned acknowledges that, if this application is accepted, the undersigned will NOT, without the prior written consent of the Board of Directors: - pledge the shares of the Corporation's stock; - make structural alterations to the apartment; - sublease the apartment; - permit non-family members to reside in the apartment for more than one month; - use the apartment for other than residential purposes; - or violate any provision of the Proprietary Lease, the House Rules, or the By-Laws. The undersigned acknowledges that the apartment is being acquired in "as is" condition. The undersigned confirms the accuracy of all of the information contained herein. Applicant: ______________________________ Date _______________ Co-Applicant (if any) ______________________ Date _______________ Co-Applicant (if any) ______________________ Date _______________ This form must be NOTARIZED Sworn to before me this _____ day of ____________, 20___ ______________________________ Notary Public ≈ END OF FORM B ≈ Rev. 03.2012 Sale Package, Page 12 Form C. Residence, Employment & Financial Information Date: Applicant Co-applicant (if applicable) Name: Current address: *Dates of residence: to to Home telephone no. ( ) - ( ) - Work telephone no. ( ) - ( ) - Social Security No. e-mail address Citizenship: Visa status (if not US citizen) Occupation: Title: Employer: Address: Telephone number: ( ) - ( ) - Nature of Work: *Period of Employment: years years Educational Background: Professional Background: *Only if your residence or employer has changed in the last three years, please provide those details in the following section. Rev. 03.2012 Sale Package, Page 13 PREVIOUS RESIDENCE/EMPLOYER: Please complete the relevant sections of this page ONLY if your residence or employer has changed in the last three (3) years. Applicant Co-applicant Name: PREVIOUS HOME ADDRESS: Dates of residence: to to PREVIOUS OCCUPATION: Title: PREVIOUS employer: Address: Telephone number: ( ) - ( ) - Nature of Work: Period of Employment: years years Rev. 03.2012 Sale Package, Page 14 DETAILS OF APARTMENT SALE: Purchase price ............................................... $ Down payment ............................................... $ Down payment as % of purchase price .................. % Mortgage Amount to be financed (mortgage) ................. $ Mortgage interest rate .................................... % Mortgage Term .............................................. years Mortgage type ................................................ Fixed rate Variable rate Other If variable rate, specify type (10/1, 7/1, etc.): If other, please specify type: Please provide name, address, and telephone number for each of the following: Seller: Name: Address: Phone: ( ) - E-mail Address: Mortgage Lender: Name: Address: Phone: ( ) - E-mail Address: Broker: Name: Address: Phone: ( ) - E-mail Address: Applicant's Attorney: Name: Address: Phone: ( ) - E-mail Address: Seller's Attorney: Name: Address: Phone: ( ) - E-mail Address: Rev. 03.2012 Sale Package, Page 15 ASSETS and LIABILITIES: As of (date): Current Value of Assets Applicant Co-Applicant 1. Cash (i.e., actual currency, not money in banks) $ $ 2. Checking Accounts (Note 1) $ $ 3. Savings Accounts (Note 2) $ $ 4. Funds In Escrow $ $ 5. Marketable Securities (Note 3) $ $ SUBTOTAL: Liquid assets (add lines 1–5) $ $ 6. Non-Marketable Securities (Note 4) $ $ 7. Real Estate Owned (Note 5) $ 8. Automobiles/Pleasure Craft Owned (Note 6) $ $ 9. Vested Interest In Retirement Fund (Note 7) $ $ 10. Net Worth of Business Owned (Note 8) $ $ 11. Other Assets (Note 8) $ $ TOTAL ASSETS: $ $ Current Liabilities Applicant Co-Applicant 1. Credit Card/Installment Debt Payment (Note 9) $ $ 2. Other Unsecured Loans (Note 9) $ $ 3. Mortgage Loans (Note 9) $ $ 4. Automobiles/Pleasure Craft Loans (Note 9) $ $ 5. Other Secured Loans (Note 9) $ $ 6. Other Liabilities (Note 10) $ $ TOTAL LIABILITIES: $ $ NET WORTH ( = Total Assets – Liabilities): $ $ IMPORTANT: 1. Attach copies of most recent statements for ALL bank and brokerage accounts. 2. Please complete all relevant notes on the next three pages and check totals for accuracy. Rev. 03.2012 Sale Package, Page 16 NOTES TO ASSETS: NOTE 1: Checking Accounts Name of account holder Bank Account # Balance $ $ $ TOTAL IN CHECKING ACCOUNTS: $ NOTE 2: Savings Accounts Name of account holder Bank Account # Balance $ $ $ $ $ TOTAL IN SAVINGS ACCOUNTS: $ NOTE 3: Marketable Securities Name of account holder Type of Security / Account # Balance $ $ $ $ $ $ TOTAL MARKETABLE SECURITIES: $ NOTE 4: Non-Marketable Securities Name of account holder Type of Security / Account # Balance $ $ $ $ $ TOTAL NON-MARKETABLE SECURITIES: $ Rev. 03.2012 Sale Package, Page 17 NOTE 5: Property Owned Address of property Type of Cost of Present Amount of property property market value mortgage and loans $ $ $ $ $ $ $ $ $ NOTE 5: Rental Income Address of property (A) (B) (C) Monthly NET Monthly Monthly Monthly taxes, rental income GROSS mortgage insurance, rental income payments maintenance, = (A)-(B)-(C) upkeep, etc. $ $ $ $ $ $ $ $ NOTE 6: Automobiles & Pleasure Craft Indicate Make, model, & year: NOTE 7: Vested Interest in Retirement Funds Name of account holder Name of Fund Account # Current Balance $ $ $ $ $ TOTAL IN RETIREMENT FUNDS: $ NOTE 8: Other Assets Note: Any items or collectibles listed with a value of over $10,000 must include a formal appraisal. Briefly describe: Rev. 03.2012 Sale Package, Page 18 NOTES TO LIABILITIES: NOTE 9: Please provide the following information for ALL debt (including mortgages, credit cards, student loans, home equity loans, alimony etc.). Creditor name & address Name of account holder & Monthly # of Total account number: payments months Unpaid left balance $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ NOTE 10: Other Liabilities Rev. 03.2012 Sale Package, Page 19 RECENT FINANCIAL INFO: List INCOME amounts received in the LAST CALENDAR YEAR: Amount received LAST CALENDAR YEAR from: Applicant Co-applicant Salary: $ $ Bonuses: $ $ Dividends: $ $ Interest: $ $ Rent: $ $ Alimony/Child Support: $ $ Sale of Capital Assets: $ $ Other (Itemize): $ $ $ $ Total: Here, please list your Total Monthly Gross Income: $ MONTHLY HOUSING EXPENSES: Please list your current and projected monthly housing costs and monthly gross income as follows: Monthly Expenses CURRENT PROJECTED *Other (Specify) Rent: $ $ $ Mortgage: $ $ $ Maintenance: $ $ $ Assessment (if any): $ $ $ Real Estate Tax: $ $ $ Utilities (electricity, cable, phone, $ $ $ Internet, etc.) Transportation or Commutation $ $ $ (MTA, MNR, LIRR, parking, etc.) TOTAL: $ $ $ *Not normally required. Use below section only if you need to show an additional set of projected housing costs (e.g., during a short-term bridge loan), and provide details below: Rev. 03.2012 Sale Package, Page 20 PERSONAL REFERENCES: Name and apartment number of anyone in the building known to the applicant: Name, address, & phone numbers of two (2) personal references. (Include their reference letters within packet.): 1. 2. Bank name, Contact name, address, and phone number of bank reference: QUESTIONNAIRE: Please answer "YES" or "NO" to the following questions: APPLICANT CO-APPLICANT 1. Have you any outstanding judgments? 2. In the last seven (7) years, have you been declared bankrupt? 3. Have you had property foreclosed upon or given title or deed in lieu thereof? 4. Are you a party in a law suit? 5. Are you obligated to pay alimony, child support or separate maintenance? 6. Will any part of your cash payment be borrowed? 7. Do you or any member of your family have diplomatic status? If you answered "YES" to any of the above questions, provide an explanation below. Attach additional pages or documentation if necessary: Rev. 03.2012 Sale Package, Page 21 PERSONAL INFORMATION OF NON-SHAREHOLDER APPLICANTS. This information is required only if any prospective residents in the apartment will not be shareholders and are age 18 or over. Example 1: Mrs. & Mrs. Smith are buying an apartment for their daughter Jaynah. Mr. & Mrs. Smith will be shareholders, but only Jane will be living in the apt. Mrs. & Mrs. Smith (applicant and co-applicant) need to provide the information requested in Form C above, whereas Jaynah provides the information requested on this page. Example 2: Gillian Jones (applicant) is buying an apartment and will plan to live there with her longtime boyfriend, Andrew. In this case, Gillian will provide the information requested in Form C above, whereas Andrew provides the below info. Prospective non- Prospective non- shareholder resident 1 shareholder resident 2 Name: Relationship to applicant(s): Current address: Dates of residence: to to Social security no. Occupation: Employer: Address: Telephone number: ( ) - ( ) - Nature of Business: Period of Employment: years years Educational Background: Other Professional Background: ≈ END OF FORM C ≈ Rev. 03.2012 Sale Package, Page 22 FORM D: Recognition Agreement Form D Recognition Agreement [This form is not intended for use where the Proprietary Lease already has "financing provisions" which duplicate the substance of this agreement or are at substantial variance with the provisions of this agreement.] Premises: 111 Hicks Street, Brooklyn, NY 11201 Apartment: ___________ Gentlemen: We have been asked by ____________________________________________ ("Lessee") for a loan of $______________ to be secured by a pledge, security interest, mortgage and/or assignment (hereinafter sometimes collectively referred to as "the Security") of shares of your Corporation allocated to the above Apartment and of the proprietary Lease ("the Lease") appurtenant thereto (the shares and Lease collectively referred to as "the Apartment"). 1. (a) You are a New York corporation formed for the purpose of co-operative ownership and (owner in fee) of the above premises. (ground tenant) (b) Your records show that the Lessee is the owner of the Apartment. (c) You have duly approved or consented to the creation by the Lessee of the Security, if and to the extent such approval is required by the Lease. 2. (a) You will not consent to any further encumbrances, subletting, termination, cancellation, surrender or modification of the Apartment by the Lessee without our approval, which we will not unreasonably withhold but this provision shall not apply to any modification or termination which, by the terms of the Lease, may be effective against a Lessee when approved by a fixed percentage of other holders of your shares, or which may be effective in the event of condemnation or casualty. (b) The Lessee has agreed that, without our written approval, the Lessee will not exercise any right that he may have under the Lease to terminate the Lease so long as the loan is outstanding. Accordingly you will not consider any attempt to do so effective. (c) You will notify us of any notice of intention to terminate the Lease, and (1) If the Lessee's default can be cured by the payment of money, you will also notify us promptly of any default involving an amount equal to or exceeding three months maintenance payments and will take no action to terminate the Lease or cancel the shares if the default be cured either by us for the account of the Lessee or by the Lessee within 15 days after such notice of default or intention to terminate; or (2) If the default cannot be so cured, you will institute no action to terminate the Lease or cancel the shares until we have had reasonable notice and opportunity, by action or otherwise, to induce the Lessee to cure the default, such opportunity to be no less than the time provided in the Lease for the Lessee to cure. (3) If you shall terminate the Lease and cancel the shares for a default not curable by the payment of money, then, provided we pay you the amounts which are due to you under the Lease (including its deficiency clause) when due, you shall not sell or sublet the Apartment without our approval, unless the net proceeds of such sale or subletting shall equal or exceed the amount owing to us by Lessee. (d) You will accept payment from us on behalf of Lessee of any sums due under the Lease (including its deficiency clause), any payments made by us under the terms of this agreement will be deemed so paid, and no payments made in accordance herewith shall be deemed to limit our rights against the Lessee pursuant to law. Rev. 03.2012 Sale Package, Page 23 FORM D: Recognition Agreement (e) You shall recognize our right as lienor against the Apartment pursuant to the Security, and, if the Lease be terminated and/or shares cancelled, against the net proceeds of any sale or subletting of the Apartment, after reimbursement to you of all sums due you under the Lease. 3. (a) Before delivery of this letter by you to us, we will have authority from the Lessee to give, and will, on request, give you a copy of the financial and credit information provided by him, but shall be under no duty to advise you of the results of any credit check we may make. (b) Notwithstanding any apparent authority granted to us under agreements with the Lessee, WE SHALL HAVE NO RIGHT OR POWER TO TRANSFER THE APARTMENT UPON FORECLOSURE OR OTHERWISE EITHER TO US OR ANYONE ELSE WITHOUT YOUR APPROVAL AS REQUIRED BY THE LEASE provided, however, that nothing contained herein shall limit any rights we may have to dispossess the Lessee pursuant to law or realize upon our security in accordance herewith. (c) If through oversight or negligence you or your agents or employees shall fail to notify us of Lessee's default prior to termination of the Lease, we will not seek to hold you or your agents or employees liable for breach of this agreement, provided that: (1) you advise us promptly after discovering your failure, and (2) if you have already sold or contracted to sell the Apartment, that you pay us the net proceeds of such sale (after reimbursing yourselves for all sums due you), or such lesser sum as shall equal the amount owing to us by the Lessee (the balance being payable to the Lessee), or (3) if you have not contracted to sell the Apartment, that the provisions of paragraphs "2.(c)(3)" and "2.(e)" hereof shall apply. (d) We will indemnify you and your agent against loss, liability or expense incurred in connection with any claim by the Lessee, his successors or assigns against either of you arising out of our representations pursuant hereto or your agreements herein (except as stated in paragraph "3.(a)" hereof), provided you give us prompt notice of any such claim. We may contest such claim in your name and on your behalf, but at our sole cost and expense, and you will execute such documents and do such things as are reasonably necessary to assist us in such contest. 4. While we have the right but no obligation to cure the Lessee's defaults under the Lease, if we do not do so within the time provided for herein, you shall have no obligation to us, except that in the event of sale or subletting the Apartment, you shall recognize our rights as lienor against the net proceeds of any sale or subletting (after reimbursement to you of all sums which are due to you under the Lease). Any notice of approval provided for herein shall be deemed valid only if in writing and sent by registered or certified mail, as follows: to you, in care of your Managing Agent, with a copy by regular mail addressed to ____________________________________________ at _________________________________; to us at _____________________________________________________________________________. Either of us may change the address to which notices or approval shall be mailed by notice given and herein provided. This letter and the representations and agreements contained herein shall be deemed made as of the date of the making of the loan. BANK ---------------------------------------------------------------------- BY: -------------------------------------------------------------------- AGREED TO: APPROVED: --------------------------------------------------------------- ------------------------------------------------------------------------ LESSOR LESSEE BY: ---------------------------------------------------------- ------------------------------------------------------------------------ LESSEE ≈ END OF FORM D ≈ Rev. 03.2012 Sale Package, Page 24 FORM E: Request for Credit Investigation Form E Authorization for Credit Investigation Please print this form, then write-in the required information. Use a separate form for each applicant SUBSCRIBER NAME: # (THIS BOX FOR OFFICE USE ONLY) LANDLORD GUARD, INC. INQUIRY DATE: RESPONSE CODE: . TENANT INQUIRY DATE: RESPONSE DATE: _ . For OCCUPANCY AT: 111 Hicks Street, Brooklyn, NY 11201 APT. # MAINTENANCE $ FULL NAME: BIRTHDATE: / / MM DD YYYY DRIVER'S LICENSE#: STATE: SOCIAL SECURITY #: / / . CURRENT HOME ADDRESS: ADDRESS CITY STATE ZIP RENT $: MOVE IN DATE: / / LEASE EXP.DATE: / / PHONE: ( ) . CURRENT LANDLORD: NAME ADDRESS CITY STATE ZIP PHONE: ( ) ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- FORMER HOME ADDRESS HOW LONG: PHONE: ( ) . CURRENT EMPLOYER: NAME ADDRESS CITY STATE ZIP PHONE: ( ) POSITION: NAME OF SUPERVISOR: PHONE: ( ) . START DATE: / / TYPE OF BUSINESS: ANNUAL INCOME $ : . FORMER EMPLOYER: NAME ADDRESS CITY STATE ZIP PHONE: ( ) POSITION: START DATE: / / ANNUAL INCOME: $ . LENGTH OF EMPLOYMENT: NAME OF SUPERVISOR: OTHER INCOME: (Source, Amount & Means of Venture) BANK: ADDRESS: PHONE: ( ) . ACCT #: TYPE: DATE OPENED: / / AVG. BALANCE: $ . BANK: ADDRESS: PHONE: ( ) . ACCT #: TYPE: DATE OPENED: / / AVG. BALANCE: $ . Rev. 03.2012 Sale Package, Page 25 FORM E: Request for Credit Investigation I have read and completed the above form. This application is subject to approval by the owners and/or their agents, and may without designating cause be disapproved by them, being agreed that any such disapproval shall not be considered a reflection of the applicant. This agreement is to be made part of the lease entered into by the applicant and owner or its agent. The truth of the information made herein is essential and if the owner or its agent deems any answer or statement herein to be false, or misleading, it shall be considered that any lease granted by virtue of this application may be cancelled at their option. I understand that if I do not live up to the terms of my lease or I cause a financial loss to my landlord, that my name may be placed in the negative data files of LANDLORD GUARD, INC. and can be furnished to subscribers who have a bona fide and legal need to make an inquiry. I also understand that causing a financial loss may severely limit my ability to use personal checks or lease other properties. I, the Applicant, give full authorization for an investigative report whereby third parties may be contacted to report on my character, general reputation, personal characteristics, and mode of living, including salary-income, consumer credit, court and criminal history, and banking financial practices. I have the right to make a written request for disclosure of the nature, result and scope of this investigation. I may not, however, receive or view my consumer credit file. I agree to hold Landlord Guard, Inc. harmless for any claims that may arise as a result of this investigation. I further authorize Banks, Financial Institutions, Landlords, Civil and Criminal Courts, Motor Vehicle Bureaus, Business Associates, Credit Bureaus, Attorneys, Accountants, and other persons or institutions with whom I am acquainted to furnish any and all information regarding me. This authorization also applies to any update reports which may be ordered as needed. I am willing that a photocopy or fax of this authorization be accepted with the same authority as this original. APPLICANT SIGNATURE ________________________________________DATE___________ ≈ END OF FORM E ≈ Rev. 03.2012 Sale Package, Page 26 FORM F: Window Guard Requirement Form F Window Guard Requirement You are required by law to have window guards installed if a child 10 years of age or younger lives in your apartment. Your landlord is required by law to install window guards in your apartment: If you ask him to put in window guards at any time (you need not give a reason) or If a child 10 years of age or younger lives in your apartment. IT IS A VIOLATION OF THE LAW TO REFUSE, INTERFERE WITH INSTALLATION OR REMOVE WINDOW GUARDS WHERE REQUIRED. You are required by law to check the correct box below and sign and return this form to: St. George Tower and Grill Owners Corp. c/o Akam Associates 111 Hicks Street Brooklyn, NY 11201 CHECK ONE: CHILDREN 10 YEARS OF AGE OR YOUNGER LIVE IN MY APARTMENT NO CHILDREN 10 YEARS OF AGE OR YOUNGER LIVE IN MY APARTMENT I WANT WINDOW GUARDS EVEN THOUGH I HAVE NO CHILDREN 10 YEARS OF AGE OR YOUNGER ________________________________ PRINT NAME OF TENANT ________________________________ TENANT'S SIGNATURE For further information call: Window Falls Prevention Program New York City Department of Health 125 Worth Street New York, NY 10012 (212) 566-8082 ≈ END OF FORM F ≈ Rev. 03.2012 Sale Package, Page 27 Form G: Guidelines, House Rules, and Procedures Agreement Form G House Rules Agreement I/We, the prospective owners of shares and prospective residents for apartment , have read and understood the St. George Tower and Grill House Rules and agree to comply with its provisions. Print name: ____________________ Signature: _________________________ Print name: ____________________ Signature: _________________________ Print name: ____________________ Signature: _________________________ Print name: ____________________ Signature: _________________________ Date: ≈ END OF FORM G ≈ Rev. 03.2012 Sale Package, Page 28 FORM H: Lead-based Paint Affidavit Form H Lead-Based Paint Affidavit Property Address: 111 Hicks Street, Brooklyn, NY 11201 Apartment: . I/We, the purchaser(s)/tenant(s) of the above referenced apartment, have received a copy of the Disclosure of Information on Lead-Based Paint and Lead-Based Paint Hazards in compliance with the HUD and the EPA's requirements in connection with the Residential Lead-Based Paint Hazard Reduction Act of 1992. I/We have also received a copy of the Federally approved Lead Hazard Information Pamphlet. Purchaser/tenant: Print name:__________________________ Signature: ___________________________ Purchaser/tenant: Print name:__________________________ Signature: ___________________________ This form must be NOTARIZED Sworn to before me this _____ day of ____________, 20___ ______________________________ Notary Public ≈ END OF FORM H ≈ Rev. 03.2012 Sale Package, Page 29 FORM J: Disclosure of Information on Lead-based Paint Form J Disclosure of Information on Lead-Based Paint and Lead-Based Paint Hazards. Co-operative sales package* Lead Warning Statement: Housing built before 1978 may contain lead-based paint. Lead from paint, paint chips, and dust can pose health hazards if not taken care of properly. Lead exposure is especially harmful to young children and pregnant women. Before renting pre-1978 housing, landlords must disclose the presence of known lead-based paint and lead-based paint hazards in the dwelling. Tenants must also receive a Federally approved pamphlet on lead poisoning prevention. Landlord's disclosure (a) Presence of lead-based paint or lead-based paint hazards (check one below): (i) Known lead-based paint and/or lead-based paint hazards are present in the housing (explain): _________________________________________________________________________ (ii) Landlord has no knowledge of lead-based paint and/or lead-based paint hazards in the housing. (b) Records and reports available to the landlord (check one below): (i) Landlord has provided the prospective tenant/prospective subtenant with all available records and reports pertaining to lead-based paint and/or lead-based paint hazards in the housing (list documents): ______________________________________________________________ (ii) Landlord has no reports or records pertaining to lead-based paint and/or lead-based paint hazards in the housing. Prospective Tenant's/Prospective Subtenant's Acknowledgement (INITIAL) _____ (c) Prospective tenant/prospective subtenant has received copies of all information listed above. _____ (d) Prospective tenant/prospective subtenant has received the pamphlet "Protect Your Family From Lead In Your Home". Managing agent's Acknowledgement (INITIAL) _____ (e) Agent has informed the landlord of the landlord's obligations under 42 U.S.C. 4582(d) and is aware of his/her responsibility to ensure compliance. Certification of Accuracy. The following parties have reviewed the information above and certify, to the best of their knowledge, that the information provided by the signatory is true and accurate. St. George Tower and Grill Owners Corp. ___________________________________ ________________________________________ Landlord (Name of Apartment Corporation) For managing agent Date _________________________________________ _________________________________________ Current Tenant Date Prospective Tenant/Prospective Subtenant Date _________________________________________ _________________________________________ Current Tenant Date Prospective Tenant/Prospective Subtenant Date Apartment: Address: 111 Hicks Street, Brooklyn, NY 11201. * Prospective tenant/prospective subtenant acknowledges receipt of the above information as part of the landlord's Sales Package/Sublet package. The disclosure made hereby shall in no way constitute landlord's approval of the sale or sublet, which remains subject to review by landlord. ≈ END OF FORM J ≈ Rev. 03.2012 Sale Package, Page 30 EPA Information on Lead in Your Home As noted on the form "Disclosure of Information on Lead-Based Paint" (form J in this package), we are required to provide a copy of a federally approved pamphlet on lead poisoning prevention. The pamphlet "Protect Your Family From Lead In your Home," prepared by the Environmental Protection Agency (EPA) is provided as a pdf file (EPA Protect Lead.pdf) accompanying this MS Word file. You can open the pdf file with Acrobat Reader, available for free at: http://www.adobe.com/acrobat Please open, print and read the pdf file concerning protection from lead poisoning. This pdf file is also available on the EPA web site at: http://www.epa.gov/opptintr/lead/leadpdfe.pdf If you did not receive a copy of the EPA pamphlet "Disclosure of Information on Lead- Based Paint", please obtain one from your realtor or from our management office. Rev. 03.2012 Sale Package, Page 31 Form K Bedbug Infestation Disclosure. Co-operative sales package* New York City Administrative Code mandates that new residential tenants in NYC be given a one-year bedbug infestation history. For this purpose, the New York State Homes & Community Renewal agency has issued the attached notice, "Disclosure of Bedbug Infestation History", which is also available at the agency's website: www.nysdhcr.gov/forms/rent/dbbn.pdf Please speak with your real estate agent or attorney about this to request that a completed copy of this form be provided to you by the Property Manager. The St. George maintains and uses a policy and procedures pertaining to bedbugs. As bedbugs have become an increasingly large problem in NYC, other urban areas, etc., the building takes this issue very seriously. More information is available from the Building Manager. Rev. 03.2012 Sale Package, Page 32 NOTICE TO TENANT DISCLOSURE OF BEDBUG INFESTATION HISTORY Pursuant to the NYC Housing Maintenance Code, an owner/managing agent of residential rental property shall furnish to each tenant signing a vacancy lease a notice that sets forth the property's bedbug infestation history. Name of tenant(s): Subject Premises: The St. George Tower & Grill Building Apt. #: Date of vacancy lease: BEDBUG INFESTATION HISTORY (Only boxes checked apply) [ ] There is no history of any bedbug infestation within the past year in the building or in any apartment. [ ] During the past year the building had a bedbug infestation history that has been the subject of eradication measures. The location of the infestation was on the ___________ floor(s). [ ] During the past year the building had a bedbug infestation history on the ___________ floor(s) and it has not been the subject of eradication measures. [ ] During the past year the apartment had a bedbug infestation and eradication measures were employed. [ ] During the past year the apartment had a bedbug infestation and eradication measures were not employed. [ ] Other: _____________________________________________________________________ . Signature of Tenant(s): ___________________________________ Dated: ________________ Signature of Owner/Agent: ________________________________ Dated: ________________ DBB-N (DHCR 10/10) ≈ END OF FORM K ≈ Rev. 03.2012 Sale Package, Page 33 End of Sale Package Forms (House Rules Follow this Page) Rev. 03.2012 Sale Package, Page 34 St. George Tower and Grill HOUSE RULES The St. George is a large co-op with 282 apartments. Our house rules are based upon the proprietary lease, and are designed for the benefit, safety, and comfort of all shareholders and residents and to promote the continued value, safety, and well-being of our building. Many of the house rules are based on common sense and courtesy, others are based on features that are specific to our building or have been developed in response to problems that have cropped up in the past. Please take a few minutes to read through the list, and keep it for future reference. Emergencies In an emergency, call the front desk using the intercom in your apartment: press the "Door" button to buzz the desk, then press the "Talk" button and wait for the doorman to answer before speaking. If your intercom is not working, call the front desk at 718-855-2391. If you call for an ambulance, be sure to notify the front desk in order to minimize delay when it arrives. IN CASE OF A FIRE, CALL 911 FIRST, then notify the front desk. Alterations and Renovations Shareholders are encouraged to renovate their apartments. Construction, repair work or installations that create noise and involve outside workmen may be done only on weekdays (not including legal holidays) between 8:30 a.m. and 4:30 p.m. Please refer to the accompanying Alteration Procedures package for the complete rules and deposit requirements governing alterations and renovations. Bicycle Storage See 'Storage Facilities'. Cable TV The co-op has an agreement with Time Warner Cable, effective through September 2011, giving subscribers a discounted price of $56.47/month for basic cable. This represents a 29% discount from the retail rate. If you subscribe to Time-Warner Cable TV, make sure you receive this discounted rate. Residents also receive a $4.00 per month discount on Time Warner's Road Runner Internet service. Deliveries Small packages delivered by mail or courier service and local deliveries (e.g. groceries, dry cleaning) may be signed for by the doorman at the front desk. If there is a delivery for you, it will be logged into the BuildingLink system and noted on the display screen next to the front desk. Small items, such as notes and Fed Ex letters, are held at the desk. Rev. 03.2012 Sale Package, Page 35 Large items are kept in the package room behind the front desk. Please sign for the delivery when you pick it up. For large items (e.g., appliances, furniture) that need to be delivered directly to your apartment, please notify the resident manager and front desk in advance of delivery to make the necessary arrangements. Deliveries may be made only between 9 a.m. and 5 p.m. Monday to Friday (except holidays). Deliveries on Saturday and Sunday are not permitted, except in unusual circumstances and only by special permission of the building manager. Garbage, Trash and Recycling Garbage should be in tightly closed trash bags and pushed firmly down the garbage chute. There is a garbage chute on each floor inside a small closet near the elevators. Please push the garbage bags all the way through the inner metal door of the chute. Do not carry wet or dripping garbage down the corridors or put wet or dripping garbage into the garbage chute. Do not put any loose garbage or trash into the chute. ALL garbage must be securely bagged or wrapped. Do not throw glass or other sharp objects into the chute (it is hazardous to the staff); put them in the recycling bins. Do not leave any trash or garbage on the floor of the chute closet. If a bag or item is too big to fit into the chute, put it on the floor next to the service elevator. Recycling: Recycling bins are next to the service elevator on each floor. New York City is currently recycling metal, paper, glass, and plastic. The staff separates the various categories of recycling items. Please do NOT put glass bottles or other glass in the regular trash – it is hazardous to the staff because glass often breaks in the chutes and cuts through the bag. Put paper items (newspapers, magazines, etc.) in the top bin, glass, plastic, metal (aluminum trays, cans, wire hangers, etc.) and other items below. NEVER put dirty or unwashed food containers, unfinished boxes of take-out food, or food residue of any kind in the recycling bins. This attracts roaches and other vermin. Leftover food and dirty food containers must be bagged and put in the garbage. Hallways, Stairs, Windows, Walls, and Public Spaces The public halls and stairways of the building shall not be obstructed or used for any purpose other than ingress to and egress from the building, and apartments and the fire stairwells shall not be obstructed in any way. Articles are not to be left or stored in the halls, stairways or staircase landings. Bicycles, scooters, baby carriages, and similar vehicles are not allowed to stand in the public halls and passageways of the building. Rev. 03.2012 Sale Package, Page 36 Children should not use the public halls, stairways, or elevators as play areas. Bicycles, scooters and roller skates must be carried or walked through the lobby and hallways. Children are not permitted on the roof unless accompanied by a responsible adult. Public halls and corridors may not be decorated or furnished without the prior consent of the board of directors and the consent of all shareholders whose apartments the hall or corridor serves as a means of ingress and egress. In the event of a disagreement among shareholders, the board of directors shall decide. Political petitioning or campaigning, fundraising for causes other than co-op business, distribution of flyers in hallways or under apartment doors, and other non-co-op-related solicitations are not permitted. Doormats are not recommended. They make it difficult for the staff to vacuum the hallways and they are a tripping hazard, and thus a potential liability to their owners. Doormats are also unnecessary as water and dirt are walked off in the hallways, which the staff clean twice a week. Radio or television antennae, satellite dishes, and related telecommunication devices must not be attached to or hung from the exterior of the building without the prior written approval of the board of directors. Because we are in a landmark district, very strict rules restrict any external changes or additions that can be seen from the street. Awnings, signs, notices, advertisements or illuminations also are not allowed to be attached or exposed on windows or other parts of the building, unless approved by the board of directors. Similarly, nothing may be hung from the doors, windows, terraces or balconies or placed upon the exterior window sills of the building. No awnings, window air conditioning units or ventilators shall be used in or about the building except such as shall have been expressly approved in writing by the board of directors or the managing agent, nor shall anything be projected out of any window of the building without similar approval. Most apartments have through-wall air conditioning units, and the co-op strongly discourages the use of window air conditioning units. Any window air conditioning units that are used must comply with all applicable local laws, including the use of appropriate exterior brackets to support the unit. Smoking is NOT permitted in any interior public spaces (lobby, hallways, stairs, etc.) or in the elevators. Rev. 03.2012 Sale Package, Page 37 House Guests As described in the terms of the proprietary lease, only the shareholder(s) or those listed as residents in the original sale/sublet application can live in an apartment at the St. George. Immediate family members can visit and, by prior arrangement with the shareholders, stay temporarily in the apartment even if the shareholder(s) are away from home. However, friends, colleagues, and relatives other than immediate family members can not stay in the apartment if the shareholder(s) are not present, even for a day or two, unless special arrangements are made and permission is granted by the board of directors. Similarly, shareholders may not sublet an apartment without permission from the board, and this can only be granted for short periods under restricted circumstances (see "Sublets" within House Rules). Finally, under no circumstances are shareholders permitted to have room mates, subtenants, or other long-term residents, other than immediate family members or partners, without the permission of the board. Keys A copy of your apartment key must be left at the front desk where it can be available for the resident manager or staff in an emergency, such as a leak, in your apartment or in a neighboring apartment. The provision of a key for use by management or the resident manager is a requirement of the proprietary lease. In the case of an emergency, if a key is not available at the desk a shareholder will be required to pay for any damage and repairs to their door, lock, and associated fixtures caused by the need for management, staff, or emergency services such as the Fire Department to gain access to the apartment. Laundry Laundry rooms are on floors 5, 8, 11, 14, 17, 20 and 23 located where the hallways turn the corner. Washing machines currently cost $1.25, and dryers are 25¢ for 15 minutes. The washers and dryers are card-operated using a special debit card. You can add value to your card or buy a new card using machines located in the package room next to the front desk. Baskets are provided within each laundry room and are not to be removed. Lobby Political petitioning or campaigning, fundraising for causes other than co-op business, or any other non-co-op-related solicitations are not permitted in the lobby or other public spaces in the building. Flyers, advertisements, menus and other commercial promotions may not be left in the lobby. The two glass-covered bulletin boards are for board and management notices and announcements, and for sign-up sheets for various co-op purposes. The bulletin board in the mail area and bulletin boards in each laundry room are available for shareholder notices and announcements. Please do not remove other people's notices. Rev. 03.2012 Sale Package, Page 38 Maintenance Payments Maintenance payments are due on the first of each month. Bills are prepared and distributed several days in advance by the managing agent, AKAM Associates, Inc. Checks must be made out to St. George Tower & Grill and mailed to AKAM in the envelope provided. Maintenance payments must arrive at AKAM by the 15th of each month or a late fee of $50 will be charged. A fee of $75 is charged for a check returned by the bank. Checks may not be left at the front desk or with the building manager; building employees cannot be responsible for your payments. An automated debit system (termed "ACH") is also available through AKAM. With this system, maintenance payments are deducted automatically on the 5th of each month from your designated bank account. Please ask at the management office for an enrolment form. Moving In and Moving Out Residents may move in or move out of the building only by prior arrangement with the building manager. There is a fee of $150 plus a refundable $500 deposit to cover any damages. Moves may only be arranged for Monday, Wednesday, Thursday, or Friday (excluding holidays) between 9 a.m. and 5 p.m. Only one move per day can be scheduled due to the limitations of our single service elevator. Please arrange your moving date with the building manager. Noise and Related Issues Residents and their guests will not make or permit loud or disturbing noises in the building nor do or permit anything in the building that will interfere with the rights, comfort or convenience of other shareholders and tenants. Residents or guests will not play a musical instrument or use a television, radio, stereo, or similar appliance in their apartment between the hours of 11 p.m. and 8 a.m. if this disturbs or annoys other occupants of the building. The floors of each apartment must be covered with rugs, carpeting, or equally effective noise-reducing material to cover at least 80% of the floor area of each room with the exception of kitchens, bathrooms, and foyers. Package Room The package room behind the front desk is for temporary storage of packages, dry cleaning, laundry, and other deliveries for residents. This room also contains the machines for adding money to laundry cards and some maintenance equipment used by the staff on a day-to-day basis. Please do not use the package room for ad hoc storage of car seats, strollers, golf clubs, household items, or other belongings. Rev. 03.2012 Sale Package, Page 39 Pets Any animal must be kept on a leash, in a carrying case or cage, or carried in your arms at all times in all public areas of the building (lobby, hallways, elevators, stairs, etc.). Owners must not allow dogs to relieve themselves outside the front door of the building or on the planters in front of the building on Hicks Street. Please curb your dog. No individual may walk more than three dogs at any one time within the common areas of this building. Residents employing dog walkers must give the dog walkers' names to the front desk. Pets are not allowed on the roof garden under any circumstances. Please note that service animals (e.g., guide or signal dogs) are not considered pets. Any service animal is allowed to accompany a person with a disability onto the roof garden. Repairs Shareholders are responsible for all conditions and repairs within their apartments, although building staff will do minor repairs, such as fixing a leaky faucet. The co-op is responsible for maintenance and repair of everything inside the building walls and in all public spaces. The co-op will repair walls, ceilings, and original flooring, and provide one coat of paint, for damage caused by what is inside the walls – pipes, etc. Shareholders are responsible for replacing or repairing damage to their personal property or to renovated floorings or other renovations, and should have insurance to cover such eventualities. The co-op's insurance does not cover residents' personal property. For minor repairs and to report other problems, please fill out a Work Order at the front desk. When a Work Order is submitted, the resident manager inspects the reported problem, leaves a note for the resident saying what will be done and assigns someone to fix it, that day if possible. If a problem cannot be fixed right away, or is beyond the responsibilities or abilities of the building staff, the resident manager will so advise the resident and will forward the Work Order to the building manager or to the director in charge of the House Committee for follow up. Other questions and problems may be addressed to our building manager Patty Marcus, whose office is in the back hallway on the first floor. Leave a note for her at the front desk or telephone her at 718-802-1976 (firstname.lastname@example.com). Rev. 03.2012 Sale Package, Page 40 Roof Garden The roof garden is one of our greatest assets. It provides stunning views of Manhattan, the East River, New York harbor, Brooklyn, Queens and New Jersey. It is a wonderful place to relax and to bring visitors. Please be safety-conscious and courteous when using the roof garden and follow these few important rules: Formal parties, private receptions, musical instruments, radios (without earphones) and loud noise are NOT allowed. Children must be accompanied by adults while on the roof. Skateboards, rollerblades, & bicycles are NOT allowed on the roof. Pets are NOT allowed on the roof under any circumstances. Please note that service animals are allowed to accompany a person with a disability on the roof. Glass items (beer bottles, wine glasses and bottles, etc.) are NOT allowed on the roof. Use plastic cups. NEVER throw anything off the roof or over the railings. Do not leave trash or litter on the roof – take it away with you or put it in the trash can on the roof. Smoking is permitted on the roof. Please be sure to use the red "fire" buckets for cigarette butts, NOT the planters or the floor. Outdoor grills and cooking of any sort are prohibited on the roof. Storage Facilities General storage: Storage cages are available in the basement for annual fees of approx. $10/sq ft (currently $120 to $480 per cage per year, depending on size), although there may be a waiting list. Please direct inquiries to the on-site manager. Shareholders may not rent more than one storage cage. A waiting list is available for shareholders wanting to 'trade-up' to a larger storage cage as larger cages occasionally become available. Bicycles: Bicycle storage is available at no charge in the two basement Bicycle Rooms, but you must sign up for a slot in the bike rack in order to store your bike in this room. If a slot is not available, you will not be able to use the bike room. Speak with the doorman or with Patty Marcus to sign up for a space. There may be a waiting list for bike spaces. Sublets After shareholders have lived in their apartments for at least two years, the board of directors may allow them to sublet their apartments. Sublets are approved for a period of one year at a time, with a maximum time of two years. Sublet applications are available from the building manager. A sublet fee of two months' maintenance is charged for the first year of an authorized sublet, and an additional fee of three months' maintenance is charged for the second year of an authorized sublet. Rev. 03.2012 Sale Package, Page 41 Terraces NEVER throw anything from a terrace or allow guests to flick cigarette ashes or butts over the railings. Outdoor grills and cooking of any sort are prohibited on terraces or any other open space by order of the Fire Department. Please see the following section, "Terrace Guidelines" for additional details and guidelines relating to issues such as the size, weight, construction, and location of planters and furniture; rules for items that cannot be used or installed on a terrace; general guidelines and an iteration of the responsibilities of unit owners as described in Article 7 of your Proprietary Lease. Window Air Conditioners No awnings, window air conditioning units or ventilators shall be used in or about the building except such as shall have been expressly approved in writing by the board of directors or the managing agent, nor shall anything be projected out of any window of the building without similar approval. Most apartments have through-wall air conditioning units, and the co-op strongly discourages the use of window air conditioning units. Any window air conditioning units that are used must comply with all applicable local laws, including the use of appropriate brackets to support the unit. Rev. 03.2012 Sale Package, Page 42 Bedbug Infestation Disclosure St. George Tower and Grill Owners Corp. Terrace Guidelines 1) Plants and Planters: a. Height restrictions: i. Plants adjacent to the building must be no taller than 6'-0" OR below the bottom of the projecting windowsill from the floor above if that is less than 6'-0". ii. All other plants must be no taller than 48" b. All Plants must be in Planters that meet the following specifications: i. Size: Maximum 9 cubic feet (any configuration) ii. Weight: Maximum 200 lbs. Per planter (with soil) iii. Construction: Planters must: 1. Be made of treated/"rot resistant" wood OR Plastic a. Terra cotta, stone or brick planters are also acceptable as long as they conform with height & weight distribution guidelines 2. Be fire resistant 3. Be lined with soil retention fabric 4. Have non-ferrous fasteners 5. Have a drainage hole at the bottom 6. No more than 16 lbs/Square inch shall be placed on any single support point. (ex: A 200 lb planter with (4) 2" x 2" legs has 12.5 lbs per square inch on each support) iv. Fill: 1. Styrofoam Peanuts 4" deep for drainage (NO STONES) 2. Maximum 65 lbs. of saturated soil (1/3 perlite, 2/3 topsoil) 3. Loose (not anchored) items (other than soil) are forbidden v. Anchor: Tree-like plants must be anchored to the planter box with "guy wires" to prevent up- rooting in high winds. vi. Placement 1. Planters must not block terrace egress 2. Planters must be at least 1'-0" from any wall 3. Planters must be at least 1'-0" from any drain or other penetration 4. Planters must not be placed/hung on any building element other than the terrace base 5. Planters must not be placed directly on a roof membrane or gravel ballast 6. Weight distribution: a. Planters must be spaced so that there is no more than 30lbs/SF over any 40SF area b. Total gross weight on any terrace must not exceed 5 lbs per square foot (500 SF terrace = 2500 lbs Max) Rev. 03.2012 Sale Package, Page 43 Bedbug Infestation Disclosure 2) Furniture: a. Must be sturdy wood, metal or plastic (NO GLASS) and constructed in such a way that it will not come apart in the wind b. Must be stored in such a manner as to prevent "blow-off" c. Items with significant surface area (table tops, etc.) should have "lattice" type construction so that they do not catch the wind. 3) Prohibitions — The following are prohibited from terraces at all times: a. Wood decking b. Outdoor Carpeting c. Automatic watering systems/Plumbed-in systems of any kind d. Outdoor grills/cooking or fire of any kind e. Plants such as Ivy allowed to grow on the building exterior f. Plants or loose items on railings, coping stones or any building element other than the terrace base g. Items anchored to railings or coping stones h. Items anchored in any way to the façade of the building i. Plants maintained in loose soil on top of pavers or membranes, or in soil on top of plastic sheeting or other substrate resting on pavers or membranes j. Attachments to the building exterior (Trellises, etc.) k. Structures such as Gazebos or Canopies 4) Responsibilities of Unit Owners: a. Maintenance of all plants and planters b. Keeping all drains clear of dirt and other debris (all terraces have drainage, please contact the staff if you are unable to locate yours) c. Keeping the terrace clear of all loose items (dishes, pillows, decoration, etc.) when not in use d. Properly storing furniture when not in use e. Promptly reporting any standing water condition to building management f. Moving, at their expense, any planters or furniture to facilitate inspection, repair or replacement of the terrace or of other structural or physical plant elements of the building when the board or management advises that such inspection, repair or replacement is necessary g. Bearing the repair cost of any damage to the roof surface or membrane caused by the placement of planters or other items on the terrace (whether or not in compliance with these guidelines) h. Bearing any cost resulting from non-compliance with these guidelines i. Removal of any non-complying elements within two weeks of written notification to do so The board will consider proposed deviations from the above guidelines on a case-by-case basis. Shareholders seeking board approval should submit detailed plans (including weight distribution) in 1/4" or greater scale prepared by a registered architect/professional engineer along with documentation supporting the soundness of any and all proposed deviations. Board of Directors, St. George Tower and Grill Owners Corp. : end Rev. 03.2012 Sale Package, Page 44


text:
I saw a picture like this on the lomosite. Everybody was asking how the guy did it, but he remained silent. It took me ten minutes in Photoshop to figure it out. You can do it in Gimp also. I will tell you how to do it.
First you need to take a pic with your Spinner 360. The pic needs to be quite level, the horizon on the left side should be on the same height as on the left side. When scanned, the sprockets have to be level too.
Open it in software and flip it vertically. Go to filter / distort / polar coordinates. execute the filter. Now you have a strange pic because the aspect ratio remains the same as the Spinner pic. Now you just have to adjust the ratio to 1:1.
I just opened a new empty square image and copy/pasted the pic into the square pic. Press Ctrl + T and you can adjust the aspect ratio.
This will be my only pic like this one because I like to stay analogue, this is to much digital enhancement for me.
Greetz Gauthier

subset: commoncrawl


text:
For Gonzales there are 26306 on Yasni with different names. The most frequently searched first names for Gonzales are: Juan, Ada, Ana
Among the most common last names on Yasni Gonzales is on position 78.
During the last seven days Gonzales was searched 205 times.
There is no meaning available yet for "Gonzales".Send in a meaning!


text:
January 27, 2014
The Obama administration continues to send urgent signals that the Highway Trust Fund is in trouble. In remarks Monday to the American Trucking Associations Executive Committee, Peter Rogoff, acting under secretary at the Transportation Department, said the fund probably will run into the red before the program ends Oct. 1.
January 17, 2014
In a letter to U.S. Transportation Secretary Anthony Foxx, the National Propane Gas Association on Wednesday called on him to grant regional exemptions from federal hours of service regulations for the Midwest and Eastern parts of the U.S., to relieve what the group says is "pressure on the current propane distribution network."
January 16, 2014
The National Transportation Safety Board has just released its 2014 Most Wanted List, the top 10 advocacy and awareness priorities for the agency for the year.
January 9, 2014
The amount of freight carried by the nation's for-hire transportation industry rose 1.2% in November from October, rebounding from a one-month decline to reach its highest all-time level, according to a new U.S. Department of Transportation report.
January 8, 2014
The Federal Motor Carrier Safety Administration will hold a public listening session on Jan. 13 in Nashville, Tenn., to solicit ideas and information from interested parties on possible knowledge testing requirements for New Entrant passenger and property carriers, freight forwarders, and brokers.
October 31, 2013
Legislation has been introduced on Capitol Hill allowing trucking companies the option of using hair testing for illegal drugs as an approved method of screening drivers.
October 23, 2013
Deborah Hersman has been officially sworn in for a third two-year term as chairman of the National Transportation Safety Board. Serving as chairman since 2009, Hersman was nominated for a third term by President Barack Obama on Aug. 1, and confirmed by the U.S. Senate Oct. 16.
October 9, 2013
The amount of freight carried by the for-hire transportation industry in the U.S. rose 0.4% in August from July, rising for the second consecutive month to reach the second highest level in the history of the Bureau of Transportation Statistics' Freight Transportation Services Index which goes back to 2000.
October 2, 2013
A panel of legislators looking for ways to improve freight transportation is close to finishing its analysis and will post its report by the end of the month.
September 30, 2013
UPDATED—12:00 a.m., Federal truck safety programs will continue to operate despite a partial government shutdown that took effect at midnight.
September 19, 2013
The Federal Motor Carrier Safety Administration will release its study of the 34-hour restart rule when it has finished its analysis and review of the data...
September 16, 2013
New analysis of the nation's bridges shows many are in desperate need of repairs and replacement.
September 12, 2013
The owners of two trucking companies the Federal Motor Carrier Safety Administration ordered shut down last year have been indicted on federal charges after failing to comply.
September 11, 2013
Freight carried by the for-hire transportation industry rose 0.3% in July from June, rising after a one month decline.
A new Government Accountability Office report throws cold water on Congressionally mandated plans to further regulate tanker wetlines, to the delight of the nation's tanker carriers.
August 26, 2013
A federal grand jury returned a 25-count indictment, charging a California woman for falsifying commercial driver drug test results.
August 20, 2013
The NAFA Fleet Management Association has raised concerns about straight truck safety recommendations issued earlier this summer by the National Transportation Safety Board after a study found they were not as safe as their larger counterparts.
August 9, 2013
The U.S. Transportation Department's Bureau of Transportation Statistics has just released the Transportation Statistics Annual Report for 2012.
June 26, 2013
The U.S. Transportation Department's Federal Highway Administration is seeking to move forward with a study about truck parking.
June 20, 2013
2010 video by US Department of Transportation and the National Tank Truck Carriers. The purpose is to provide an awareness tool and training aid to reduce rollovers. This training video covers four approaches to helping reduce cargo tank rollovers by raising awareness.
We offer e-newsletters that deliver targeted news and information for the entire fleet industry.
The expert, Mark Betner from Citgo will answer your questions Ask a question
Air System Maintenance: Focusing on the Compressor
Video: Driver Shows Off Patriotic Volvo Truck
Santa Uses Webtech Wireless
Ultimate Test Drive Video: Freightliner 122SD Road Test
Freedom Pre-filters Keep Out Debris
Truck-Lite Expands LED Product Line
ConMet Releases Lightweight Brake Drum
Satellite TV Package Designed For Truckers


text:
ABC 22 News Team
- Alexandra Lewis
- Amber Watson
- Christian Hauser
- Elyse Coulter
- Hilary Zalla
- Kelly May
- Kristine Frazao
- Natasha Williams
- Nicole Grigg
- Rhonda Moore
- Erik Elken
- James Rider
- Ann Reynolds
Low: 40 Winds: SE 10-15 mph
Tomorrow: Scattered Off & On Showers through the Day - Mild.
High: 53 Winds: S 7-11 mph
Wednesday: More Scattered Showers - Changing to a Mix by Day's End.
High: ...
Search Results
Northridge Band Director Resigns Amid Investigation
Northridge -- The Northridge High School Band Director is off the job, under investigation, after a student filed a complaint to the Northridge School District.
Superintendent Dave Jackson says Kenneth Hoffmann submitted his resignation letter on June 11th, shortly after the student filed the complaint.
The Montgomery County Sheriff's Office and the Prosecutor's office is looking into the allegations, but would not go into detail about the situation. Prosecutors approved a case to be presented to the grand jury this month. Formal charges have not been filed against Hoffman.
Reporter Annette Peagler obtained Hoffmann's personal file and discovered this is the first discrepancy against him. On his performance evaluation summary it states:
"Mr. Hoffmann has been a supportive member of our staff and a valuable member of the administration team. He has willingly taken on new and additional roles. His efforts and leadership are greatly appreciated."
Peagler asked local Northridge parents about the allegations. "I am a concerned parent when it comes to these type of things. You know this is the first year my daughter will be attending Northridge Schools so one of my concerns is about how the staff acts with the kids," said Virgeil McKinney of Dayton.
Northridge Schools released this statement about the matter.
"We are working with the Montgomery County Sheriff's Office and Prosecutor's Office on this matter. We continue to hold the safety of our students to the highest priority and are waiting to see if charges will be filed."
Hoffmann has been with the district for 10 years. He recently accepted the role as a guidance counselor in addition to being the band director.
The Ferguson Decision
Tracking Ebola
Miami Valley Crime StoppersIf you have information about a crime that has occurred, call Miami Valley Crime Stoppers at 937-222-7867 (STOP) 800-637-5735, 24 hours a day. Callers can remain anonymous.
Border CrisisGet the latest developments on the border control issue!
Chefs CornerWe often invite local chefs into our studio kitchen to demonstrate their cooking techniques and recipes. Watch those video segments on this page.
Pay It ForwardRiver Valley Credit Union, FOX45, and ABC22 recognize the good deeds of people and organizations who make the Miami Valley a better place.
Health Care ReformThe Supreme Court ruling to uphold the Affordable Care Act sparked a new battle. Check here daily for the latest developments, locally and across the country.
Secrets Of A ThiefWe expose the "Secrets Of A Thief". Sponsored by Shiver Security.
Cool SchoolsOur children are the way of the future and it all starts with our schools. Join us as our Hilary Zalla goes inside schools around the Miami Valley to find out what cool things students and teachers are ...
Town HallJoin in as our expert panel discusses jobs in Ohio
No Text ZoneTexting While Driving Kills Thousands of People Each Year. Many More are Seriously Injured. You Can Help Make Our Roads a NO TEXT ZONE.
Washington TimesPolitics, Breaking News, US and World News.
On Time TrafficGet the latest traffic information and updates here!
School ClosingsGet the list of all closings and delays for schools and businesses within the area, and sign up for text alerts!
Save Local TVFind out how you can save local TV right here!
Raw NewsWatch raw, unedited and uncensored news stories right here!
Pump PatrolFind the lowest gas prices, check out local and national price trends, report low prices and get fuel saving tips!
Political PulseArmstrong Williams is a pugnacious, provocative and principled voice for conservatives and Christian values in America's public debates.
News LinksThese links were chosen by the newsroom for their newsworthy content. These sites enhance the news stories that aired on the newscast on the dates cited.
Menard's Around the HouseMenards Around the House how-to videos give you tips for those much needed home improvements!
On the MoveGet the latest news and more on your mobile phone!
Good MorningIt's Fun, it's fresh, the way mornings should be!
Top StoriesGet up to the minute information from across Ohio in our Top Stories section!
Your Voice. Your Future.As the country faces challenges from federal budget issues to jobs and national debt, your voice is critical to the future.
Waste WatchHow are your tax dollars being spent? Waste Watch tracks whether local, state and federal governments or any groups are using your money wisely...or wasting it.
more »
Business News
US home sales dropped sharply in November
WASHINGTON (AP) -- Fewer Americans bought homes in November as buying slid to its slowest pace in six months.
Consumer Info
WEST PALM BEACH, FL -- (Marketwired) -- 03/21/14 --
Companies that pride themselves on being eco-friendly may have conflicted
ideas between marketing with ad specialties and maintaining their green
reputation. ...
Entertainment News
HONOLULU (AP) -- Is the hacking of Sony an act of terrorism?
Get This
CHICO, Calif. (AP) -- Santa's armed -- and that has some people upset in Northern California.
Science/Tech News
NEW YORK (AP) -- New York City's police commissioner says the gunman who killed two police officers had made online posts that were "very anti-police."
Tonight on ABC 22
6:30 pm ..... ABC World News
7:00 pm ..... Family Feud
7:30 pm ..... Family Feud
8:00 pm ..... The Great Christmas Light Fight
10:00 pm ... Castle
11:00 pm ... ABC 22 News at Eleven
11:30 pm ... Jimmy Kimmel Live
12:30 am ... Nightline


text:
Join Meir Panim's campaign to "light up" Chanukah for families in need.
A recent headline in the Israeli daily newspaper Yediot Aharonot reported that certain military advisers are putting pressure on Prime Minister Ehud Olmert to initiate talks with Syria for fear of a Syrian attack on Israel this summer. Those who advocate this policy are controlled by their fear and dread of another summer of the horrors of war.
Syria has made it known that any talks with Israel must include relinquishing the strategic Golan Heights and uprooting Jewish settlements as a pre-condition. Only when the Syrians return to the hills above the Kinneret and have full control over the entirety of northern Israel will they even consider deliberations with Israel, which they have sworn to annihilate.
Surrendering to our enemies and yielding land only strengthens them and tempts them to attack us even more vigorously. They are encouraged by our fleeing, which our foes interpret as both physical and moral weakness.
Unfortunately, our leaders haven't learned a lesson from our recent history. Under foolhardy terms of internationally negotiated agreements such as Oslo, we transferred the cities of Ramallah, Jenin, Shechem and parts of Hebron into the hands of so-called Palestinian police along with weapons and funds, all in the name of peace. Almost immediately, the terrorists took control and attacked us from these areas, eventually forcing the IDF to return.
The embarrassing fiasco, orchestrated by Ehud Barak, of our running in the middle of the night from Lebanon, led the way to Hizbullah replenishing its arms and positioning thousands of rocket launchers in the direction of Israel. Hizbullah dedicated six years to the ultimate strike on our northern cities, including Haifa, which had never been attacked before.
The shameful uprooting of the Jewish communities in Gush Katif and relinquishing of the land to the terrorists of Gaza – which was supposed to bring quiet to the area – ruined the lives of thousands of loyal Jewish citizens and only stimulated greater terror activities. The abandoned Gaza area quickly became training camps for Hamas guerillas, and underground tunnels convey tons of arms under the border from Egypt. Rocket attacks on the Jewish cities of Sderot and Ashkelon have increased significantly in recent months and have resulted in a number of civilian casualties.
Talks with Syria will produce no solutions but only cause horrific damage to Israel by bringing Iran and its bloodthirsty government so much closer to our borders. The illusion of talks bringing peace is rooted in fear and lack of faith on the part of our leaders, who prefer to turn a blind eye to reality.
Realistically dealing with our situation means preparing ourselves for the harsh reality of war and its consequences and not yielding to moral fatigue. At the end of 2005, while Ariel Sharon was still prime minister, Ehud Olmert speaking in New York, exclaimed that Israel was tired of fighting, tired of being victorious, tired of being heroic, and now just wanted peace. Mr. Olmert, as prime minister, is continuing this policy of fatigue, which is weakening our position and provoking more terrorist attacks on Israel.
It has been proven again and again that the continued progress of Zionism demands faith and a willingness to work hard and fight for our survival. Fleeing cannot be an option – even if it means pain and suffering. We recognize that this is necessary for our lasting existence in our land, and only this approach will help to achieve complete victory over our enemies who desire our destruction.
This Shabbat, Jews worldwide will hear the divine words of Parshat Shelach and be reminded of our weak leaders in the desert on the way to the Promised Land, leaders who became known as "spies." The God of Israel delivered the Jews from Egyptian slavery and led them through the desert on the way to the establishment of a Jewish homeland in Eretz Yisrael.
On the verge of entering the land, twelve Jewish leaders were dispatched as spies to explore the best ways of liberating the land. Ten of these leaders returned and reported, "We will not succeed … because they are stronger than us" (Bamidbar 13:31). They too were blinded by fear when observing the enemy; they described what they saw in Eretz Yisrael and said, "There we saw giants … and we were like grasshoppers" (Bamidbar 13:33).
About the Author: Rabbi Eliezer Waldman is rosh yeshivaof Yeshivat Nir Kiryat Arba.
If you don't see your comment after publishing it, refresh the page.
Comments are closed.
Let us become modern day Maccabees and seize the day. Embrace the challenge. Fight for Hashem.
Har HaBayit is still Biyadein; Through our actions, its fate is in our hands
What does the way we count the days of Chanukah come to teach us about living in the present?
Israel projects global material illumination not always the light of "morality" meant by the Navi
"Mr. Prime Minister, declare a unilateral ceasefire! Remember, Blessed is the peacemaker!"
Hamas is continuing to prepare its next war against Israel instead of improving conditions in Gaza
If the UN Grants national recognition to Palestine, why stop there? Tibet, Chechnya, Basque…
The decision to not publicly light the Menorah in Sydney, epitomizes the eternal dilemma of Judaism and Jews in the Diaspora.
Am Yisrael is one family, filled with excruciating pain&sorrow for losing the 4 kedoshim of Har Nof
What is its message of the dreidel?" The complexity and hidden nature of history and miracles.
Police play down Arab terrorism as mere "violence" until the truth can no longer be hidden.
The 7 branches of the menorah represent the 7 pillars of secular wisdom, knowledge, and science.
Obama obtained NO verifiable commitments from Cuba it would desist from acts prejudicial to the US
No one would deny that the program subjected detainees to less than pleasant treatment, but the salient point is, for what purpose?
For the past six years President Obama has consistently deplored all Palestinian efforts to end-run negotiations in search of a UN-imposed agreement on Israel.
Early this past Shabbat morning we heard from military sources that a family had been brutally slaughtered in Itamar, a settlement near Shechem. Since my niece lives there with six children, we were extremely worried even though we realized there were many families that fit the description.
Upon hearing the reading of the Torah describing the purchase of the Cave of Machpela by our forefather Abraham, we were reminded again of the basic significance and substance of the destiny of the Jewish people, namely that our nation and our land are bonded by strong spiritual cords that can never be severed.
Just a few weeks ago we celebrated the anniversary of the liberation of Jerusalem and all of Judea and Samaria in the Six-Day War of 1967.
During the seven weeks between Pesach and Shavuot we are commanded to count every day and make a daily blessing. This mitzvah of counting the Omer illustrates the process of advancing up the ladder of freedom which began by God redeeming us from Egypt and came to its culmination at Mount Sinai where the Torah was given.
Yesterday I made an extraordinary and moving shiva visit at the home of the Netanel family, whose son Yonatan was killed last week in Gaza. Unfortunately, he and two other soldiers died when an Israeli tank mistakenly opened fire on a house captured by Israeli soldiers. His father, Rabbi Amos Netanel, was a student at our yeshiva in Kiryat Arba for several years.
I am still severely shocked in the aftermath of the heinous massacre that took place in Mumbai last week. Despicable Muslim terrorists carried out a well-planned, deadly assault on civilian targets, killing hundreds of innocent people.
Last week we experienced an extraordinary Kiddush Hashem when, on Wednesday, July 2, an Arab murderer armed with a huge bulldozer went on a rampage in the streets of Jerusalem. He flattened occupied cars, turned over a bus and ran over innocent pedestrians until his reign of terror was finally stopped by what was described as a passerby.
As Condoleezza Rice began orchestrating plans for the Annapolis Conference, which included extending invitations to governments notorious for their evil intentions, it was easy to guess what the message would be. She invited Middle Eastern Islamic participants to join the Palestinian Authority, whose terrorist policies are dedicated to wiping the State of Israel off the map.
Printed from: http://www.jewishpress.com/indepth/opinions/biblical-faith-and-practical-zionism/2007/06/06/
Scan this QR code to visit this page online:


text:
…just curious.Thank you for visiting the Swell blog. Visit us on www.facebook.com/swell for more exclusive fan offers, giveaways and more.
Nicki's Archive
(photo: Myers)
Surfing Magazine uncovers the hard-hitting facts about Marlon Gerber's love for beer modeling and Bintang.
Read the full story at Surfing Magazine
Get the gear at SWELL
Inspired by…SWELL Model Brit!
The way she wore…
We asked SWELL model / jewelry designer / New York trendsetter to show us how she rocks her SWELL style. Brit threw together some classic rock nostalgia, compliments of her style idol Stevie Nicks. Leave a comment and let us know what you think.
Brixton Pack Hat
Volcom Moclov Tank
Swell Lace Skirt
Volatile Hero Sandal
Jewelry by Brit, Indigo Child
Get a sneak peak of Spring 2011 swim in this year's "Fashion Society" swim runway show at ASR. Undoubtedly urbanized from years past, this shows highlights included pleather, zippers, fuchsia, boots, and rock 'n roll. Our favorite stand-out? A lace-trimmed neon look from Tavik Swim. Thanks for the inspo David Bowie.