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BonnieE (Illinois)
Posts: 338
Posted:
Hi everyone!

I have another perplexing question to pose: who owns the tree?

If a tree is donated to the HOA and the Board accepts it, has it planted in the Common Elements by their landscaping company, (this tree was a ā€œstick with rootsā€ about 12ā€ in length), and maintains the mulched area around it (adding new mulch, extended the size of the mulched area as tree grew). The tree is now close to 10 feet tall.

Who owns the tree? HOA or person who donated it?

Thanks,
Bonnie
DonnaS (Tennessee)
Posts: 5,671
Posted:

The HOA owns it as it is on common property. Because it is 10 feet tall, does that pose a problem?
SusanW1 (Michigan)
Posts: 5,202
Posted:
Is it a Memorial Tree, planted in someone's honor?

Doesn't matter anyway; possession is 9/10s - you said the HOA accepted it and has cared for it AND it is on HOA property.

Good lesson for a policy regarding "donations" to an HOA. Perhaps a "Release Form" ought to be developed.

GeraldT4
Posts: 1,022
Posted:
BonnieE - Who donated the tree? The HOA owns the Common Elements, because of that the tree as well.
BonnieE (Illinois)
Posts: 338
Posted:
Thanks for the quick responses!!

Donna – the height of the tree is not an issue. The tree is a burr oak and the planting location was selected by the landscaper taking into consideration eventual size of tree in relation to buildings, drainage, its expected ā€œlifeā€, etc.

Susan – no, it was not planted as a memorial. I donated the tree (I was on Board at time). These trees were being given away free on Arbor Day many years ago (there is a ā€œcampaignā€ for more trees and for those which are native species to this habitat – oak/savanna). Trees are expensive - this was a way to save the HOA the cost of a tree (I believe the landscaper planted it as a courtesy to the HOA). Plus we have pest problems with non native species (emerald ash borer, Japanese beetles) – the oak is resistant.

BTW, this came up as a question because I asked whether the tree was now large enough to have the lower branches trimmed - the lower branches are in the way of the landscapers doing their work - (we have a tree care contract in place for all of our trees). The Board responded that the HOA did not own the tree so it was not responsible for its care. They said it is my tree and therefore I am responsible for its care. Note that there is no additional cost to the HOA for this tree since the contract covers all of the trees.

A policy or release form is a good idea and I will pass it on to the board as a suggestion.

Thank you!
Bonnie
BonnieE (Illinois)
Posts: 338
Posted:
Thanks, Gerald. I think my previous response answers your question (?) -Bonnie
GeraldT4
Posts: 1,022
Posted:
Was the HOA's response in writing?
BonnieE (Illinois)
Posts: 338
Posted:
Hi Gerald,

This was my question/request to the Board via the MC (via email) – cut & pasted below:

"And, last question - do burr oak trees need to be trimmed/pruned? [landscaping company] has trimed other trees in the past as part of their tree care program, but has not done anything to this tree...I do realize that tree trimming is done in the winter. I didn't know whether it had to be a certain size before trimming or they are not trimmed."

This is the response from Board via MC (email):

"I’ve been advised by the Board and landscaper both that this tree actually belongs to you. You had asked for approval to install it many years ago, which you received. ... The association has advised that, since it is your tree, they will not authorize any association expenditures to trimming or pruning this tree. It is your tree, you are free to prune any dead branches, or raise the lower branches. It is not an association tree that you a unit owner is prohibited from trimming/pruning/altering, etc."

I’m curious why you asked…thanks,
Bonnie
MaryA1 (Arizona)
Posts: 7,043
Posted:
Bonnie,

If that's the boards attitude (misguided at best!) I would consider cutting the tree down. If the tree fell and caused damage or injured someone would the board hold you resp.? Moral to the story: think twice about trying to do a good deed for your HOA! IMO, this sends a very bad message to the community.
GeraldT4
Posts: 1,022
Posted:
BonnieE - There's clearly a misunderstanding on ownership that needs to be reconciled.
BonnieE (Illinois)
Posts: 338
Posted:
Hi again,

Per Mary: ā€œthis sends a very bad message to the community.ā€

No kidding! :-)

Gerald – I agree, which was why I posted the question. I was interested in the opinions of others before making a response.

I think the tree belongs to the HOA since it was donated, but more importantly, the Board has authorized its care for many years. In my mind, this establishes that it is part of the Common Elements and therefore owned by the HOA.

Also, there is no written documentation of a request to plant the tree and approval given, establishing it is the my responsibility.

Besides, what is the alternative? I own the tree…then I own the roots…then I own the land it occupies? How can a HO own a part of the Common Elements? Or, is my ā€œlogicā€ skewed? Or, remembering some other posts, could this be construed as a ā€œtakingā€? I’m really not serious here...just considering the "what ifs".

Thanks,
Bonnie
GeraldT4
Posts: 1,022
Posted:
BonnieE - What do your governing documents state regarding procedure for owner plantings or improvements on the common elements? Is the tree on your property?
MicheleD (Kentucky)
Posts: 4,491
Posted:
I believe she has stated several times above that the tree was on common area.

If there is no record of the request to install it on common area property and the approval of same, is there any record of the actual donation?

I would let the PM know that the board and landscaper are mistaken. That it was a donation and not a "borrowing" of common area land to plant a "pet tree."

How many years ago are we talking?
DonnaS (Tennessee)
Posts: 5,671
Posted:

Bonnie,
I am getting mixed statements from you on where the tree actually is growing. Is it on common grounds or as you later stated, a common element?

"-I think the tree belongs to the HOA since it was donated, but more importantly, the Board has authorized its care for many years. In my mind, this establishes that it is ****(part of the Common Elements)** and therefore owned by the HOA.

That needs a better explaination for us. Is it on your actual property?

.

GeraldT4
Posts: 1,022
Posted:
Bonnie's wrote "In my mind this establishes that it is part of the Common Elements".

She did not write, "I have verified according to my plat plan that the tree is not located on my property".

Big difference.

The question of where the tree actually is planted is relevant and needs follow-up response.
BonnieE (Illinois)
Posts: 338
Posted:

The tree is located on the legally defined Common Elements of the HOA. Not on the Limited Common Elements. I’m sorry for the confusion by referring to the Common Elements as the common grounds (out here, we refer to them as one and the same when talking about the landscaped areas including grassy areas, planting beds, wetlands, etc.).

We are townhouse-style condominiums. As such, none of the HOs individually own any property outside the boundaries of their dwelling units.

There is no written record of the donation, nor of what occurred. There was no request to plant a tree, per se. I came to the Board with the offer when I heard about the free trees; they thought was a good idea and agreed I should get one; I picked up tree; landscaper planted it.

Timing? Around 10 years ago? (how long does it take an ~12 inch ā€œstickā€ to become a ~10 foot tree?

Hope this helps...thanks!
BonnieE (Illinois)
Posts: 338
Posted:
Gerald - per the plat, the tree is not on my property. It is on the Common Elements. Thanks...
MicheleD (Kentucky)
Posts: 4,491
Posted:
Quote:
Posted By GeraldT4 on 08/20/2008 6:24 AM
BonnieE - Who donated the tree? The HOA owns the Common Elements, because of that the tree as well.

Are we getting into another argument on what the definition of is is?

You may be right that she is being vague and the tree may be on "her" property.

But I'm just taking her at her word that she is referring to the "common area" property as "common elements."

I may be wrong in that, which is why I said "I believe she stated . . "

She may have not really meant it was planted on the common area, just that by their (the board and the landscaper) planting it and maintaining it that it had become a "common element" in and of itself.

But I'm confused, then, by her comment here:

Quote:
Posted by BonnieE on 8/20/2008 8:13:42 AM
Besides, what is the alternative? I own the tree…then I own the roots…then I own the land it occupies? How can a HO own a part of the Common Elements? Or, is my ā€œlogicā€ skewed? Or, remembering some other posts, could this be construed as a ā€œtakingā€? I’m really not serious here...just considering the "what ifs".

Thanks,
Bonnie

MicheleD (Kentucky)
Posts: 4,491
Posted:
Thanks for clearing that up, Bonnie.

"Nevermind."

(Please disregard my previous comment."
GeraldT4
Posts: 1,022
Posted:
MicheleD - Bonnie wrote "In my mind this establishes that it is part of the Common Elements". Stress on the words, "In my mind". YET you wrote "I believe she has stated several times above that the tree was on common area." Both Donna and myself sought clarification. Me because of the words, "In my mind". Additionally, just because the COA is maintaining the plant doesn't mean they should. In this case we now know that the tree is indeed on common property. Thanks to the fact that both Donna and myself sought clarification and Bonnie now provided it. It's now not just a matter of something being in Bonnie's mind, it's a matter of reality.
GeraldT4
Posts: 1,022
Posted:
BonnieE - I believe a letter to the Board is in order. Provide the history and the reminder (as ridiculous as it needs to be made) that the tree is on the Common Elements, ownership of which is not any one individual owner. The maintenance of the common elements is the responsibility of the association. Don't touch the tree, eventually the association vendor will take care of it.
MicheleD (Kentucky)
Posts: 4,491
Posted:
Thanks, dad.
BonnieE (Illinois)
Posts: 338
Posted:
Thank you to ALL of you as you all have been a great help to me!

I will send a letter to the Board clarifying the situation: the history and so on. I will reference the Gov Docs re Common Elements, responsibility re landscaping plants.

I was not planning to do anything to the tree.

And, I’ll let you know the Board’s response.

Thanks, again, Bonnie
DonnaS (Tennessee)
Posts: 5,671
Posted:

Bonnie,
Just as a footnote, yes. all trees need to be trimmed, shaped or pruned. Especially the "sticks that we get as free ones from the Arbor Day giveaways. Lower branches make room for bigger and stronger upper branches. Your landscape guys should know how to trim them.
KirkW1 (Texas)
Posts: 1,665
Posted:
I would think the BOD would want to take ownership of the tree. If it is your tree, then you are free to do with it as you please. While that may seem convenient today, in another ten years it may not seem so good. I am sure the neighborhood reaction would not be good if you decide to cut it down today. Give it ten more years and they will really get upset.

But at any rate, I would make sure to keep a copy of what their final decision is. This way you can either prove it isn't your tree. Or prove it is and that you are free to do with it as you please.
BonnieE (Illinois)
Posts: 338
Posted:
Hi again,

Well, I have received a response from the Board. They state:
ā€œā€¦your concerns were relayed to the Board of Directors…Two members specifically remember how the tree came to be…that you would provide the tree and fencing, and [landscaper] would provide the mulch. Three members (the majority) state it has always been their understanding that this tree, therefore, belongs to you, just as when any unit owner wishes to put in plants of their choosing, they are responsible for maintenance.ā€

Obviously it is my word against that of two Board members as to how the tree came to be on the property. The 3rd board member mentioned in the response was not on the Board at that time and was not involved.

The facts are:

• I provided the tree.
• The Board authorized (paid) the landscaper to install the tree.
• The Board has paid the landscaper over the intervening years to care for the mulched area around/under the tree (the tree is separate from other trees, bushes) – including spreading new mulch several times, and extending the diameter of the mulched area to more than double its size as the tree has grown.
• The tree is only now possibly old/big enough to need trimming.
• Trimming the tree would not be an additional cost as there is a tree care contract in place for all of the trees.

Re fence: There had been no plan to install a fence around the tree. But once the rabbits moved into the neighborhood (we were a new development on farmland), they began munching the lower leaves of the tree. With Board permission, I installed the push-in garden fencing (they come in sections and are about a foot tall) for a summer.

Kirk – you make a good point re ownership. I still do not understand how I can legally own the tree, but if the Board is telling me I do….maybe I should leave it at that. But, I do not understand why the Board wouldn’t want this tree to belong to the HOA.

What if I were to move? Who would own the tree then?

Fortunately, burr oaks require minimal care as they grow quite well ā€œin the wildā€. Although, if I was to want to trim the lower branches, I wonder if I would need Board permission as they require permission for any changes made to the Common Elements. Another thought has come to mind…what if the Board should require I do something with or to the tree?

Any other thoughts would be welcomed. At this point I am not sure whether to continue to pursue this or not.

Thanks,
Bonnie
MicheleD (Kentucky)
Posts: 4,491
Posted:
Well, what if the tree is struck by lightening and falls on someone?

Or if some major limbs come off in a storm. . . and damage property. . .

Are YOU responsible for the damage or is the HOA?

I would check with an attorney and get his recommendation on how to make a disclaimer of ownership for the tree.

If you didn't "donate" it way back 10 years ago, then can you "donate" it now?

Do you place an advertisement in a public notice somewhere (the paper?) that you relinquish ALL CLAIMS OF OWNERSHIP for the tree, effective retroactively back to the date of installation?

I dunno.

Seems a really weird thing for the Board to dig their heels in on.

Not very professional, if you ask me.

MicheleD (Kentucky)
Posts: 4,491
Posted:
:roll
MicheleD (Kentucky)
Posts: 4,491
Posted:
:rolleyes

BonnieE (Illinois)
Posts: 338
Posted:
Michele – same here when I read their response. And, I agree. Except, if you lived here and knew this Board, then you might begin to see that this is not at all unusual for them to dig their heels in on this type of stuff.

And, you pose some good questions. As for looking into a disclaimer …yes, I will look into that, IF I own the tree. Maybe that is the question to ask an attorney – do I own the tree. On second thought, I think the Board should consult the HOA attorney on this. Another thought comes to mind – I can ask the insurance agent for the HOA as to who is liable if a kid climbs the tree and falls.

Thanks - Bonnie
GlenL (Ohio)
Posts: 5,491
Posted:
You might also take a look at the BOD minutes from around that time frame to see how or if your donation was recorded as opposed to the "memories" of the Board members.

Studies show that 5 out of 4 people have problems with fractions
KirkW1 (Texas)
Posts: 1,665
Posted:
Bonnie,

I think that they pretty much gave you permission to do with the tree as you want (for the moment anyway). If you are up to it, you might just go cut the lower branches as you see fit.

As for real ownership, I think the adage about possession being 9/10 of the law would apply in a court case.
BonnieE (Illinois)
Posts: 338
Posted:
Glen: Unfortunately, as far as I can remember, the tree issue was not recorded in the meeting minutes. I will ask that the PM, though, to go back to the early records to see if there is anything recorded, just to be sure.

Kirk – As for cutting the bottom branches, I’m concerned that it would establish that I agree that I own the tree. Over the years, the landscaper has addressed the care of this tree with the rest of the property under their contract.

With regard to your statement:

ā€œAs for real ownership, I think the adage about possession being 9/10 of the law would apply in a court case.ā€
Who do you mean this to apply to – the Association or me (in your opinion)?

Thank you for your thoughts,
Bonnie
GeorgerwilliamsW (Indiana)
Posts: 975
Posted:
Bonnie,

I can't believe the extent of this thread. Nor can I believe the (almost absurd) attitude of the board. If they choose not to maintain the tree, then they should either cut it down, or sue you for encroachment onto common property.

Absent any written agreement to the contrary (real estate agreements must be in writing in most states), a tree belongs to the property owner.

No amount of discussion is likely going to help dealing with such a obtuse, unrealistic board.

If you are given permission to trim it, then you may do so.
KirkW1 (Texas)
Posts: 1,665
Posted:
The HOA clearly has physical possession:

  1. More then 1/3 of said tree is buried in the ground owned by the HOA.

  2. The rest of the tree remains covering HOA property.

  3. You can't move the tree easily. In fact, to move the tree could well endanger the life of the tree.


If the roles were reversed, I can not imagine that you would have a case at all. In fact, I suspect that you would have a hard time finding an attorney willing to take the case. Short of some disclaimer by a prior board you simply wouldn't stand a chance. A receipt wouldn't cut it as a judge would most likely say that by placing the tree in the HOA owned ground you gave the tree to the HOA.

The problem is that even though you would win a court case saying the HOA possess the tree, you can't force them to trim the thing and make it nice. What gets me is why they won't trim the tree. Even if the thing cost us money, I would have trimmed the tree all along. The simple truth is that making the tree look nice improves the look of the place.

There are things I just can not grasp.
BonnieE (Illinois)
Posts: 338
Posted:
Kirk and George,
Thank you for your responses!
I couldn’t agree more with you.

As I stated earlier:
• I will ask the PM for any written documentation from that time regarding the oak tree (BOD minutes, etc.).
• The Board has responsibility for maintenance and upkeep of the Common Elements per our governing docs and IL condo act. The tree is located on the common elements.
• Tree trimming is covered by the tree care contract with our landscaper, not to mention the regular contract which includes lower branch trimming when needed.
• I will check with the insurance agent for the HOA re HOA liability associated with the tree should someone get hurt (fall off it – although I do not think the branches could hold a small child; or run into it on a bicycle; etc.).

I, too, am surprised at the Board’s actions, and, by the extent of this thread. Guess this has been an interesting legal question (it has been to me).

Thanks,
Bonnie
DJ1 (Ontario)
Posts: 798
Posted:
George Washington would know what to do!
MaryA1 (Arizona)
Posts: 7,043
Posted:
Quote:
Posted By DJ1 on 08/24/2008 2:57 PM
George Washington would know what to do!

DJ,

No doubt George would do exactly as I suggestedd Bonnie do!
BonnieE (Illinois)
Posts: 338
Posted:
per Mary:

"DJ,

No doubt George would do exactly as I suggestedd Bonnie do!"

At first this made me think of GW and a certain cherry tree....then I scrolled down and saw that is exactly what you said, Mary - cut the tree down.

:-))
KirkW1 (Texas)
Posts: 1,665
Posted:
I would tell them it is their tree and leave it be. Eventually they will realize that the tree is their problem at any rate. For that matter, do they have proof that the tree ever belonged to Bonnie? Foggy memories won't mean much to either the courts or insurance companies.
BonnieE (Illinois)
Posts: 338
Posted:
Hi all,

I have a post script regarding ā€œwho owns the oak treeā€.

1. The Board response to my last letter:
ā€œā€¦the tree itself belongs to you, as the unit owner requesting to install it.ā€

ā€œā€¦you completed and signed an Alterations & Additions form…On said form it is clearly stated…I accept full responsibility for the altered area and will maintain it in a safe and presentable conditionā€

ā€œā€¦while the association maintains the common area grounds, and will edge, cultivate, mulch, etc., the plant bed surrounding the tree as that is the association’s responsibility, that does not change the fact that the tree itself belongs to youā€¦ā€

ā€œIn closing, the Board’s final ruling is that…the responsibility for maintenance of the tree…is solely yours…if at some point the tree is not properly maintained, and after given the opportunity to correct the same, the Board reserves the right to arrange for the maintenance of the tree and charge back the cost to do so to you via your assessment account.ā€

2. I did talk to both insurers (association and own) re liability question that was brought up. They believe that the Association is liable, but would need a legal opinion to reply formally. And even then might take a judge to decide should a suit be taken out if someone was hurt, etc.

I guess the bottom line, per the Board, is that the association owns the land, and I own the tree. I am considering hanging a bird house (is prohibited for association owned trees) and perhaps placing the garden fence around it as one was approved by the Board in the application referenced above.

:-))

Also - this all came about because I asked the board whether the bottom branches needed to be trimmed. Lesson learned: be careful what you ask for - or in this case, what questions you ask!

Bonnie

GeorgerwilliamsW (Indiana)
Posts: 975
Posted:
This clearly is evidence of why stronger limitations on the powers of homeowners associations are required. This is a classic example of the Abilene Paradox.

I feel for you Bonnie. It is incredibly difficult to deal with irrational people.
DonnaS (Tennessee)
Posts: 5,671
Posted:

George,

You must be having one of those days. Now Bonnies Board is irrational? I have dealt with her very situation re; a homeowner planting a tree and the additional trees not on the original plat are an additional $250.00 per year. Now owners are wanting the association to care for it. Landscape contract estimate for 2005 was over $65,000 and there are 42 trees planted by owners. $42.x$ 250.00 equals $10,500. So where does the Board find the additional 10K?
Owners will take liberties when they sneak a tree or in Bonnies case, she added it (with permission) but no one thought out who would care for it and all of the others.
GeorgerwilliamsW (Indiana)
Posts: 975
Posted:
If the tree is on common property, it are owned by the board. The board may have to increase the annual assessment in order to care for them.

If the tree growing in a common area is owned by a resident, then that resident is using common area for private use. Such private use of a common area restricts the free use of that area by other residents. It is an obstruction.

If that is the situation, then Bonnie should be required to remove the tree at her expense. Or the association should remove the tree and file a claim against Bonnie.

Here is what my covenants state:
    Section 12. Obstruction. There shall be no obstruction of the Common Area, nor shall anything be kept or stored on any part of the Common Area without the prior written consent of the Association except construction materials and equipment during the construction period or except as specifically provided herein. Nothing shall be altered on, constructed in, or removed from the Common Area except upon the prior written consent of the Association.


This whole thing is idiotic. This board needs some common sense.
BonnieE (Illinois)
Posts: 338
Posted:
Donna and George, Thanks for your responses.

For clarification, at issue is only 1 tree. We were adding trees back then to create more privacy – trees are expensive and a free one was appreciated at the time. In addition, it is located near 2 crabapples which have a shorter lifespan - our thinking back then was to place the oak tree near the crabapples so that they would not need to be replaced once they died. More recently, we have lost trees without replacing them, yet neither the tree care contract nor landscaping contract have been revised to reflect the actual number of trees. There would be no additional cost to trim the lower branches from this tree.

Our covenants have similar language. But, the Board gave their consent to the planting of the tree. Also, it does not restrict nor obstruct use of the common elements – and enhances use as it is now large enough to provide shade.

Common sense and the Board…hmmm…

Bonnie

MaryA1 (Arizona)
Posts: 7,043
Posted:
Bonnie,

As I suggested when you first posted this message -- cut the darn tree down and be done with it! Just make certain you keep that letter from the board stating the tree belongs to you. I seriously think this is what I would do.
KirkW1 (Texas)
Posts: 1,665
Posted:
Bonnie,

Next time you see the landscape crew out see if they will trim the branches for you at a reasonable cost. If done at the same time they are trimming other trees in the area then the cost is likely to be $0.

It does now indeed sound like you own said tree with permission to place on the property. I would check with your own insurance agent to make sure that you are covered should your tree fall. If not, then spray the trunk with roundup and ask the board for permission to remove it when it dies. If you are covered, then enjoy the heck out of your tree. Put up your little fence and birdhouse. Enjoy your little slice of heaven. The more you neighbors get jealous the better.

At this point the Board does not have the authority to cut the thing down. You now have conclusive proof that you own said tree and have rights that come with it. They have granted you a perpetual easement for the enjoyment of your tree.

I think the whole thing borders on stupid. And if I were facing $10k for owner added trees, I would approach the ownership with two choices. Either the annual assessment pays for the extra $10k, or the trees are removed. It would be an all or nothing situation. But first I would seriously consider renegotiating the trimming out of the landscape contract. A mature tree shouldn't need trimmed every year. In this area, the power company trims trees on a four year basis. They will cut the trees back enough to keep them out of the lines for four years. Away from the power lines this could be six or seven years.
TamaraW (Ohio)
Posts: 193
Posted:
If the tree was donated and accepted by the BOD, planted on common grounds then it is the associations. To be cared for by the associations landscapers (that you already pay for) and insured by the association.

MicheleD (Kentucky)
Posts: 4,491
Posted:
Quote:
Posted By BonnieE on 09/12/2008 1:01 PM

I guess the bottom line, per the Board, is that the association owns the land, and I own the tree. I am considering hanging a bird house (is prohibited for association owned trees) and perhaps placing the garden fence around it as one was approved by the Board in the application referenced above.

:-))

Also - this all came about because I asked the board whether the bottom branches needed to be trimmed. Lesson learned: be careful what you ask for - or in this case, what questions you ask!

Bonnie


Bummer.

No good deed goes unpunished.

Put up several birdhouses. The more the merrier!

GlenL (Ohio)
Posts: 5,491
Posted:
Bonnie if you want to have some fun with the BOD tell them that in order to raise the $100.00 fine for your window you have decided to sell your tree to a nursery. And that while the nursery will need to dig up part of the common area in order to have an appropriate root ball for the tree; you will backfill it unless the BOD would like to put in a fish pond in the hole.

Or I found this form online which you could possibly use to officially donate the tree to the HOA.

QUITCLAIM BILL OF SALE
BE IT KNOWN, for good consideration, and in consideration of the payment of ZERO DOLLARS, the receipt and sufficiency of which is acknowledged, the undersigned BONNIE(Seller) hereby sells, transfers, assigns and conveys unto HAPPY DAYS HOA and its successors and assigns forever with quitclaim covenants only, the following described property:

ONE OAK TREE

Seller hereby sells and transfers only such right, title and interest as it may hold and that said chattels sold herein are sold subject to such prior liens, encumbrances and adverse claims, if any, that may exist, and Seller disclaims any and all warranties thereto.

Said assets are further sold in "AS IS" condition and where presently located.

Signed this _____ day of __________________, 20____.

In the presence of:

______________________________
Seller

_______________________________
Witness

Studies show that 5 out of 4 people have problems with fractions

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