2011 Real Estate Guide to the Palm Beaches

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REAL ESTATE GUIDE TO THE

PalmBeaches Real Estate Buyer’s Guide to Products and Services

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One Clearlake Centre Join these business leaders with offices at One Clearlake Centre: • Atterbury, Goldberger & Weiss, P.A. • Brigham Moore, LLP • Caldwell Pacetti Edwards Schoech & Viator • Cemex USA • Cherry Bekaert & Holland, LLP • Greenspoon Marder, P.A. • Kapner, Calebrese & Kapner, P.A. • Metropolitan Life Insurance Company • Miller, Kagan, Rodriguez & Silver, P.A. • Paychex North America, Inc. • Prose Court Reporting • Richman Greer, P.A. • Rogers, Dempsey & Paladino, P.A. • Rosenbaum Mollengarden Janssen & Siracusa, PLLC • Shoes For Crews • WGCompass Realty Companies

New, modernized energy control systems and common area finishes.

On-site café serving breakfast and lunch.

Firms or companies accustomed to superb quality professional offices, considering a West Palm Beach location easily accessible to I-95, with water views from all floors, should consider One Clearlake Centre.

Floor sizes of approximately 13,000 sf.

Suites from as small as 1,200 sf.

Leased & Managed by

250 South Australian Avenue, Suite 1100, West Palm Beach, FL 33401 Phone: (561) 721-7000 • Fax: (561) 721-7001 mwalters@wgcompass.com

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beinspired A MAGNIFICENT FUSION OF DRAMATIC ARCHITECTURE AND SPECTACULAR LOCATION

THE HOME OF YOUR DREAMS. AT THE PRICE OF YOUR DREAMS. IN BEAUTIFUL ROYAL PALM BEACH.

3-, 4- and 5-bedroom homes, up to 3-1/2 baths, perfectly priced from the $200’s-$500’s!

2606 Bellarosa Circle Royal Palm Beach, FL 33411 1/4-mile west of 441/S.R.7 on Okeechobee Blvd.

561.791.9600 OPEN DAILY: Mon-Thurs 10-8, Fri-Sat 10-6, Sun 12-6 Brokers Welcome | On-site Mortgage Counseling

3-, 4-, 5- and 6-Bedroom Homes Up to 6-1/2 Baths • 2-4 Car Garages • A stunning collection of exquisite single family designer homes with outstandingluxury features • Beautiful, spacious homesites surrounded by breathtaking panoramic water vistas • Spectacular club with gigantic lagoon-style pool with island spa • A grand, well-established Palm Beach community close to great shopping and entertainment

There’s nothing else like Tradition.

And at Tradition, there’s nothing else like TownPark!

Single Family Homes From the $100’s!

FROM THE $300s TO OVER $1 MILLION

2232 Merriweather Way, Wellington, FL 33414 561.333.5250 OPEN DAILY: Mon-Thurs 10-8, Fri-Sat 10-6, Sun 12-6 Brokers Welcome|On-site Mortgage Counseling

11215 SW Springtree Terrace Port St. Lucie, FL 34987

772.343.7537 OPEN DAILY: Mon-Thurs 10-8, Fri-Sat 10-6, Sun 12-6 Brokers Welcome | On-site Mortgage Counseling

www.mintofla.com = Buy Minto. Buy New. Buy Now. Prices and availability subject to change without notice. Oral representations cannot be relied upon as correctly stating the representations of the developer. For correct representations, make reference to the documents required by section 718.503, Florida Statutes, to be furnished by a developer to a buyer or lessee. Not an offer where prohibited by state statutes.

CGC 059780, CBC 005678, CGC 1516596. 4/2010.

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TÉ

EXPERIENCE THE NEW

Esperanté Corporate Center 222 Lakeview Avenue West Palm Beach, FL 33401

Added amenities.

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A prime location at the Gateway to Palm Beach.

Extraordinary views of the Atlantic Ocean, the Intracoastal and Downtown. $5 million in capital improvements completed, including upscale move-in ready spec suites.

Complimentary for Tenants — 5-Star Worldwide s

Conference center

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Health club

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w w w. e s p e r a n t e m g t . c o m

Call today for a private tour.

Anthony Librizzi

Jeffrey Kelly

561.227.1808

561.393.1621

anthony.librizzi@cbre.com

jeffrey.kelly@cbre.com m

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Contents “Anderson & Carr, Inc. has been a member of the Chamber of Commerce of the Palm Beaches for over 50 years because of the benefits we receive, including networking opportunities, seminars and speaker programs.”

Robert B. Banting, President, Anderson & Carr, Inc.

RESIDENTIAL 401 North Flagler Drive West Palm Beach, FL 33401 (561) 833-3711 www.palmbeaches.org Dennis Grady President/CEO - Ext. 232 Dgrady@palmbeaches.org Sandy Pullens Director of Administrative Services - Ext. 228 Spullens@palmbeaches.org Donald Burgess Operations Coordinator - Ext. 223 Dburgess@palmbeaches.org Kelley Burke Director of Sponsorships & Special Events - Ext. 231 Kburke@palmbeaches.org Kelly Fanelli Membership Director - Ext. 235 Kfanelli@palmbeaches.org Alexandra Guth Communications Director/Webmaster - Ext. 234 Aguth@palmbeaches.org Sharon McIntosh Information Coordinator - Ext. 221 Smcintosh@palmbeaches.org ®

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Introduction

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7 Ways to Save on Homeowners Insurance

15

Numbers to Know

Photo by Robert Stevens

(561) 472-8778 • (800) 909-3463 • www.PassportPublications.com

7 Reasons to Own Your Own Home Type of Homes – Which Fits Your Needs Best 10 Questions to Ask Your Lender Understanding Representation To Rent or to Buy – Which is Right for You? 10 Things a Lender Needs From You 13 Tips for Hiring a Remodeling Contractor Shopping for a Mortgage The Advantages of Working With a Realtor® Beware of Predatory Lending and Mortgage Fraud Helpful Moving Hints How to Choose a Reputable Builder/Contractor

COMMERCIAL

17 18

Introduction

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Moving an Office

a passion for people & publishing

A free copy of the Real Estate Guide may be picked up at the Chamber of Commerce, located at 401 N. Flagler Drive, West Palm Beach, Florida 33401, (561) 833-3711, via the Internet, www.palmbeaches.org, or obtained via First Class U.S. Mail by sending $4 made payable to the Chamber of Commerce.

The 2011 edition of the Real Estate Guide is published by Passport Publications & Media Corporation for the Chamber of Commerce of the Palm Beaches.

The publisher and the Chamber of Commerce assume no responsibility for errors or omissions for content provided in this publication. No part of this publication may be reproduced without the expressed written consent of the Chamber of Commerce and Passport Publications.

The Importance of Curb Appeal

What You Should Know About Leasing Commercial Real Estate!

CHAMBER MEMBERS

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Buyer’s Guide to Products and Services Index to Advertisers REAL ESTATE GUIDE TO THE PALM BEACHES

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Message Fr o m THE CEO “Hedrick Brothers Construction has been instrumental in shaping the commercial and luxury residential landscape of Palm Beach County since 1979. The long-term relationships nurtured through our membership in the Chamber of Commerce of the Palm Beaches have contributed to the growth of our company.�

Dale R. Hedrick, LEED AP President, Hedrick Brothers Construction

The Chamber of Commerce of the Palm Beaches is pleased to provide the 2011 Real Estate Guide to the Palm Beaches to our members and the public to assist them in making decisions regarding purchasing, renting or building residential or commercial property in Palm Beach County.

Inside the guide, you will find businesses that can provide you with the products and services you need for your real estate endeavor. There are many informative articles in this publication. If you need additional resource material, please feel free to visit our office at 401 N. Flagler Drive in downtown West Palm Beach or our Web site, www.palmbeaches.org.

The Chamber of Commerce of the Palm Beaches is the oldest business organization in Palm Beach County and we welcome you to join the Chamber by calling us at (561) 833-3711, ext. 235.

Dennis Grady Chief Executive Officer Chamber of Commerce of the Palm Beaches

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www.PALMBEACHES.org

Top photo by Robert Stevens

Sincerely,

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Residential Real Estate MESSAGE FROM THE REALTORS ASSOCIATION OF THE PALM BEACHES

“Through networking, we develop stronger local business relationships and can trouble-shoot how to help each other through a tough economy. The Chamber is a valuable tool for keeping us all informed of government issues that affect our businesses & finances.”

Leslie A. Read PA Keller Williams Realty of Jupiter

On behalf of the Realtors® Association of the Palm Beaches we welcome you to Palm Beach County, which is ranked as the one of the leading travel destinations in the world.

Palm Beach County is in the heart of South Florida – perfectly positioned to enjoy the natural attractions of the beaches and the Everglades. The County is surrounded by major tourist destinations like Orlando, Miami, and the Bahamas! The Atlantic Gulf Stream brings warm water from the South, keeping our winters warm, and the ocean breezes from the east keep our tropical summers moderate.

In the next several years millions of baby boomers will be ready to retire or add a second home.

Affordability in 2011 will continue to provide great opportunity, with prices from $30K to $30M and at every price point in between.

Our Realtors® are well educated professionals who can provide sound advice, beginning with the ageold emphasis on location (repeat 3x!!!), and continuing with knowledge of various builders, construction values, resale histories, schools and cultural institutions, and negotiating tactics to serve you in the transaction.

Those of us who live here have discovered how true it is that “you don’t have to be a millionaire to live like one”. We invite you to discover the amazing real estate values of the Palm Beaches with one of our members, and to claim our spectacular weather, world-class shopping and dining, and the little pleasures of the best that life has to offer in tropical South Florida for yourselves.

REAL ESTATE GUIDE TO THE PALM BEACHES

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The ImportanceOF CURB APPEAL This is probably one of the most important aspects in staging and selling a home. You must draw that person out of the car, onto the sidewalk and up to the front door. Color, landscaping, walkway, driveway and neighbors all give a feel to the home. In order to show the home to a global buyer, it must look pristine from the street to the doorknob.

If a home is taking longer to sell than average, there may be a good reason. What is the first thing you notice when you drive up to the home? How does the home make you feel?

Do you want to get out and see it? How does it look compared to the other homes in the neighborhood? These are questions you need to ask yourself when preparing your home for sale.

Well, you can't change the neighborhood, and you probably didn't budget for a complete front yard makeover. So what can you do?

HERE IS A START: Walk across the street or as far away as you can. View your home by at least three angles such as the right and left sides, front and center.

Now take a really good look at it. #1. Can you see it? This sounds funny but if you can’t see your home, you can’t sell it. Trees and shrubs are great and should be trimmed so that the house is the star. We usually suggest trimming trees up to the rain gutter line or the top of the highest window. Shrubs should follow the same line as the bottom of a window trim. If a lot of trimming needs to be done, do it several weeks before so that the plants have a chance to recover.

RESIDENTIAL REAL ESTATE

El Cid

#2. How is the paint? Is it a neutral color?

Does it flow with the rest of the homes on the street? Painting your house bright blue will attract attention for sure, but not when you are selling. Remember, with global buyers neutral is key. Start with the trim if you can't paint the whole house, especially around the front door and front porch. It can be as simple as painting the front door a different color. That can be a quick and easy fix. #3. How is the driveway? Are there cracks, oil stains, garbage cans? The driveway is the largest hard area near the home; the material and look of the driveway and garage have a huge impact on curb appeal. Clean it up and clear everything off. #4. Is your walkway to the front door defined? Does it lead buyers to the front door or

front entry? Make sure people know where your front door is, and then work on drawing people toward it. If the front entry area has a patio, create an outdoor sitting area. #5. How is the landscaping? Make sure that the grass is well-watered, edged and mowed.

Flowers, flowers and more flowers. These little pops of color make us happy and cheerful. Add some pots near the garage and plant away.

Curb appeal is really part of the whole package, which means the small details are as important as the big picture. A manicured front yard means a manicured home in a buyer’s eyes.

Finally, don’t forget to tidy up. Remove the garbage cans, hide the hose, pick up the paper, etc. Curb appeal means a place that looks neat and clean, the kind of place you’d like to live.

7 REASONS TO OWN YOUR OWN HOME 1. FREEDOM. The home is yours. You can decorate any way you want and be able to benefit from your investment for as long as you own the home.

2. EQUITY. Money paid for the rent is money that you’ll never see again, but mortgage payments let you build equity ownership interest in your home.

3. SAVINGS. Building equity in your home is a ready-made savings plan. And when you sell, you can generally take up to $250,000 ($500,000 for married couples) as gain without owing any federal income tax.

4. PREDICTABILITY. Unlike rent, fixed mortgage payments don’t go up over the years, so your housing costs may actually decline as you own the home longer. (Note: Adjustable mortgages may change if there is a change in the interest rates.) However, keep in mind that property taxes and insurance costs may rise.

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5. TAX BREAKS. The U.S. Tax Code lets you deduct the interest you pay on your mortgage, property taxes you pay and some of the costs involved in buying your home.

6. GAINS. Since 1989, national home prices have increased 5.5 percent annually. And while there’s no guarantee of appreciation, it is estimated that, through price gains and reducing mortgages through payment of principle, a typical homeowner has $144,000 in equity in a home, based on data from the Federal Reserve1.

7. STABILITY. Remaining in one neighborhood for several years gives you a chance to participate in community activities, lets you and your family establish lasting friendships and offers your children the benefit of educational continuity.

1“Flows of Funds Accounts of the United States,” Federal Reserve Statistical Release, Table B.100 (www.federalreserve.gov/ z1/current/default.htm).

www.PALMBEACHES.org Top article: Information provided by the Realtors® Association of the Palm Beaches

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10 Questions

Types ofHOMES

TO ASK YOUR LENDER

Be sure you find a loan that fits your needs with these comprehensive questions.

1.

What are the most popular mortgage loans you offer?

2.

Which type of mortgage plan do you think would be best for us? Why?

3.

Are your rates, terms, fees and closing costs negotiable?

4.

Will I have to buy private mortgage insurance? If so how much will it cost and how long will it be required? Note: Private mortgage insurance is usually required if you make less than a 20 percent down payment, but most lenders will let you discontinue the policy when you’ve acquired a certain amount of equity by paying down the loan.

5.

Who will service the loan? Your bank or another company?

6.

What escrow requirements do you have?

7.

How long is your loan lock-in period (the time that the quoted interest rate will be honored)? Will I be able to obtain a lower rate if they drop during this period?

8.

How long will the loan approval process take?

9.

How long will it take to close the loan?

10. Are there any charges or penalties for prepaying the loan?

WHICH FITS YOUR NEEDS BEST? What are your preferences? Do you like modern styles? Do you like antiques, collectibles and vintage architecture, or are you fond of chrome, glass and no clutter?

Believe it or not, your tastes may change as you live with one style and develop into another.

There are plenty of ways to evolve from one style to another and that is by situating yourself and your family—economically, socially, culturally and geographically. If you have a family with children, you can buy a home in a neighborhood known for its emphasis on schools and recreational opportunities so your kids can grow up with playmates, teammates and lots of activities. Or, if you’re in an adult household, you may prefer a more urban lifestyle that is focused on activities and interests for singles, couples and nontraditional families of all ages. In other words, do you want to be closer to playgrounds or nightlife? Or both?

The star of residential housing is the single-family home because it combines the ownership of land with a structure. Single-family means there are no shared walls and the home is situated on a lot with a yard surrounding the home.

Multifamily homes share walls, even if there is a firewall between the sheetrock panels.

The housing structure is built in units for rental or purchase. Examples of multifamily homes include:

• TOWNHOMES OR ROW HOUSES. These homes are street-entry homes that are bought like single-family homes. Owners may or may not belong to a homeowners association that oversees community painting, fence repair, landscape maintenance and so on.

• CONDOMINIUMS. Condominiums or apartment owners own the air space (square footage) of their unit, which is calculated into the total square footage and value of the total property.

• CO-OPS. You’re basically buying a piece of the association’s ownership of the total property so that you own part of the common areas as well as part of the building.

Used with permission from Real Estate Checklists & Systems (www.realestatechecklists.com). Copyright 2006. Reprinted with permission from Realtor® Magazine Online.

REAL ESTATE GUIDE TO THE PALM BEACHES

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UnderstandingREPRESENTATION

It is important to understand what legal responsibilities your Realtor® has to you and to other parties in the transaction. Ask your Realtor® to explain what type of agency relationships are available to you if you elect to work with them and with the brokerage company.

AUTHORIZED BROKERAGE RELATIONSHIPS A real estate licensee in the State of Florida may enter into a brokerage relationship as either a single agent or as a transaction broker with potential buyers and sellers. A real estate licensee may not operate as a disclosed or nondisclosed dual agent. As used here, the term “dual agent” means a broker who represents as a fiduciary both the prospective buyer and the prospective seller in a real estate transaction.

Once a brokerage relationship is established, this part does not prevent a licensee from changing from one brokerage relationship to the other as long as the buyer or the seller, or both, gives written consent before the change and the appropriate disclosure of duties, as provided in this part is made to the buyer or seller. This part does not require a customer to enter into a brokerage relationship with any real estate licensee.

DISCLOSURE REQUIREMENTS Disclosure requirements and duties must be fully described and disclosed in writing to a buyer or seller either as a separate and distinct disclosure document or included as part of another document such as a listing agreement or agreement for representation. The disclosure must be made before, or at the time of, entering 8

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RESIDENTIAL REAL ESTATE

into a listing agreement or an agreement for representation or before the showing of property, whichever occurs first. When incorporated into other documents, the required notice must be of the same size type, or larger, as other provisions of the document and must be conspicuous in its placement so as to advise customers of the duties of limited representation, except that the first sentence of the information must be printed in uppercase and bold type.

SINGLE AGENT RELATIONSHIP FLORIDA LAW REQUIRES THAT REAL ESTATE LICENSEES OPERATING AS SINGLE AGENTS DISCLOSE TO BUYERS AND SELLERS THEIR DUTIES. Single agent duties are as follows: 1. Dealing honestly and fairly 2. Loyalty 3. Confidentiality 4. Obedience 5. Full disclosure 6. Accounting for all funds 7. Skill, care and diligence in the transaction 8. Presenting all offers and counteroffers in a timely manner, unless a party has previously directed the licensee otherwise in writing 9. Disclosing all known facts that materially affect the value of residential real property and are not readily observable

TRANSACTION BROKER NOTICE FLORIDA LAW REQUIRES THAT REAL ESTATE LICENSEES OPERATING AS TRANSACTION BROKERS DISCLOSE TO BUYERS AND SELLERS THEIR ROLE AND DUTIES IN PROVIDING A LIMITED FORM OF REPRESENTATION.

As a transaction broker, the real estate firm and its associates provide to you a limited form of representation that includes the following duties: 1. Dealing honestly and fairly 2. Accounting for all funds 3. Using skill, care and diligence in the transaction 4. Disclosing all known facts that materially affect the value of residential real property and are not readily observable to the buyer 5. Presenting all offers and counteroffers in a timely manner, unless a party has previously directed the licensee otherwise in writing 6. Limited confidentiality, unless waived in writing by a party. This limited confidentiality will prevent disclosure that the seller will accept a price less than the asking or listed price, that the buyer will pay a price greater than the price submitted in a written offer, of the motivation of any party for selling or buying property, that a seller or buyer will agree to financing terms other than those offered, or of any other information requested by a party to remain confidential 7. Any additional duties that are entered into by this or by separate written agreement.

Limited representation means that a buyer or seller is not responsible for the acts of the licensee. Additionally, parties are giving up their rights to the undivided loyalty of the licensee.

This aspect of limited representation allows a licensee to facilitate a real estate transaction by assisting both the buyer and the seller, but a licensee will not work to represent one party to the detriment of the other party when acting as a transaction broker to both parties.

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10 Things

To Rent or to Buy WHICH IS RIGHT FOR YOU

A LENDER NEEDS FROM YOU 1.

W-2 forms or business tax return forms if you’re self-employed for the last two or three years for every person signing the loan.

2.

Copies of at least one pay stub for every person signing the loan.

3.

Copies of two to four months of bank or credit union statements for both checking and savings accounts.

4.

Copies of personal tax forms for the last two to three years.

5.

Copies of brokerage account statements for two to four months, as well as a list of any other major assets of value, i.e. a boat, RV or stocks or bonds not held in a brokerage account.

6.

Copies of your most recent 401(k) or other retirement account statement.

7.

Documentation to verify additional income, such as child support or a pension.

8.

Account numbers of all your credit cards and the amounts of any outstanding balances.

9.

Lender, loan number and amount owed on other installment loans, such as student loans and car loans.

10. Addresses where you have lived for the last five to seven years, with names of landlords if appropriate.

Should you sign another lease or take the plunge and buy a place of your own?

Nearly, 3 million Americans ask themselves that question everyday. To make a wise decision consumers should consider a few factors, such as their lifestyle and financial situation. There is no right or wrong answer when trying to make a decision to rent or buy. A good decision is one that is right for you.

However, there are advantages and disadvantages to both.

Although most Americans own their homes, homeownership is not for everyone. If you move around frequently, have credit problems or if you cannot afford the home you want or simply do not want the responsibility of owning a home, you could be better off renting. Usually when renting, the landlord or owner of the property pays for the cost of any work or repairs that are done to the property. And, there is generally less up-front cash needed to move in.

However, when you are renting a property, you are waving good-bye to your money each month. Renting a home does not provide tax advantages to the renter.

Any and all tax advantages go to the landlord or property owner. Also, monthly payments for renters can be unpredictable, depending on the lease.

Owning a home is a responsibility.

Not only does it mean paying a mortgage each month, but it also involves other

costs associated with the home, such as the cost of insurance, taxes, repairs and general maintenance.

First-time homebuyers are often startled by the investment associated with purchasing a house. The down payment required can be as much as 20 percent. You also have to consider other fees, such as lawyer’s fees, points, escrow costs, appraisals and credit checks.

In spite of the risks and responsibilities, 67 percent of Americans enjoy the rewards of home ownership.

Purchasing a home is a sound investment.

As you pay down your home loan, you are building equity. A home usually increases in value over time.

Home ownership does offer tax advantages. The mortgage interest and real estate taxes are tax deductible, which allows you to subtract part of your housing-related expenses from your income, thereby reducing your tax liability.

There is not much doubt that for most people owning a home is better over the long term than renting. When you have made the decision to buy, know how large a mortgage you can afford. If possible, get “pre-qualified” for a loan. When you find a home you and your REALTOR® like, carefully give it your own personal inspection.

Enlist the services of a REALTOR® to help with the buying process!

Information provided by the Realtors® Association of the Palm Beaches

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RESIDENTIAL REAL ESTATE

Shopping FOR A MORTGAGE?

DO YOUR HOMEWORK FIRST SPECIALTY MORTGAGES – WHAT ARE THE RISKS AND ADVANTAGES?

COMMON TYPES OF SPECIALTY MORTGAGES

WHAT ARE THE MAJOR RISKS OF SPECIALTY MORTGAGES?

Understanding Specialty Mortgages The traditional fixed-rate mortgage and standard adjustable-rate mortgage may not be the best options for everyone. A growing number of homebuyers are deciding to use one of several new types of specialty mortgages that let them “stretch” their income so they can qualify for a larger loan. But, before you choose one of these mortgages, make sure you understand the risks and how they work.

Specialty mortgages often begin with a low introductory interest rate or payment plan—a “teaser” —but the monthly mortgage payments are likely to increase a lot in the future. Some are “low documentation” mortgages that come with easier standards for qualifying, but also higher interest rates or higher fees. Some lenders will lend you 100 percent or more of the home’s value, but these mortgages also present a big financial risk if the value of the house goes down.

It’s in your best interest to learn the ins and outs of these packages before deciding if the loan you’re considering is right for you.

Today, when you apply for a loan, you have more choices than ever before. Here are a few examples: Interest-Only Mortgages: Your monthly mortgage payment only covers the interest you owe on the loan for the first five to 10 years of the loan, and you pay nothing to reduce the total amount you borrowed (this is called the “principal”). After the interest-only period, you start paying higher monthly payments that cover both the interest and principal that must be repaid over the remaining term of the loan.

Negative Amortization Mortgages: Your monthly payment is less than the amount of interest you owe on the loan. The unpaid interest gets added to the loan’s principal amount, causing the total amount you owe to increase each month instead of decrease.

Option Payment ARM Mortgages: You have the option to make different types of monthly payments with this mortgage. For example, you can: • A minimum payment that is less than the amount needed to cover the interest and increases the total amount of your loan • An interest-only payment • Payments calculated to pay off the loan over 30 or 15 years 40-Year Mortgages: You pay off your loan over 40 years, instead of the usual 30 years.

While this reduces your monthly payment and helps you qualify to buy a home, you pay off the balance of your loan much more slowly and pay much more interest.

This is only a short list of specialty mortgages. Today’s marketplace includes many variations on these types.

Payment Shock. One major risk is that your monthly payment may increase by a large amount, resulting in “payment shock.” Even a change of 1 or 2 percent in interest rates can result in a very big jump in monthly mortgage payment.

Higher Debt Over Time. Another risk that comes with specialty mortgages involves your “equity”—the amount your house is worth after you subtract the amount you still owe to the lender. Consumers who choose some types of specialty mortgages will build equity in their home much more slowly than with traditional loans. In fact, with some specialty mortgages, the amount you owe on your home could increase rather than decrease over time.

Specialty Mortgages Can: • Pose a greater risk that you won’t be able to afford the mortgage payment in the future, compared to fixed-rate mortgages and traditional adjustable-rate mortgages.

• Have monthly payments that can increase by as much as 50 percent or more when the introductory period ends.

• Cause your loan balance (the amount you still owe) to get larger each month instead of smaller.

Questions To Consider Before Choosing A Specialty Mortgage • How much can monthly payments increase and how soon can these increases happen?

• Do I expect my income to increase or do I expect to move before my payments go up?

• Will I be able to afford the mortgage when the payments increase?

• Am I paying down my loan balance each month, or is it staying the same or even increasing?

• Will I have to pay a penalty if I refinance my mortgage or sell my house?

• What is my goal in buying this property?

Am I considering a riskier mortgage to buy a more expensive house than I can realistically afford?

Be sure you work with a REALTOR® and lender who are willing to discuss different options and address your questions and concerns!

13 TIPS FOR HIRING A REMODELING CONTRACTOR 1.

2.

3.

4.

5.

6.

7.

8.

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Ask your REALTOR® for recommendations.

Get at least three written estimates.

Get references and call to check on the work. If possible, go by and visit earlier jobs.

Check with the Better Business Bureau for complaints.

Be sure that the contract states exactly what is to be done and how change orders will be handled.

Make as small a downpayment as possible so you won’t lose a lot if the contractor fails to complete the job.

Be sure that the contractor has the necessary permits, licenses and insurance.

Be sure that the contract states when the work will be

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9.

10.

11.

12.

13.

completed and what recourse you have if it isn’t. Also remember that in many instances you can cancel a contract within three business days of signing it.

Ask if the contractor’s workers will do the entire job or whether subcontractors will do parts.

Get the contractor to indemnify you if work does not meet any local building codes or regulations.

Be sure that the contract specifies the contractor will clean up after the job and be responsible for any damage.

Guarantee that materials used meet your specifications.

Don’t make the final payment until you’re satisfied with the work.

Information provided by the Realtors® Association of the Palm Beaches

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The Advantages OF WORKING WITH A REALTOR

®

Buying a home is a complex and stressful undertaking; getting an expert to help will save you time, money and aggravation.

HOW CAN WORKING WITH A REALTOR® BENEFIT YOU: Looking out for your best interests By asking a REALTOR® to act on your behalf during the purchase of a home in South Florida, you create an Agency Relationship and become the REALTOR’s® client. REALTORS® always owe their clients full fiduciary duties, such as loyalty, obedience, confidentiality, accountability, duty of care, and full disclosure of all pertinent facts.

GETTING THE BEST DEAL— KNOW THE MARKET What have similar properties sold for in the immediate area? How long were they on the market? How does this one compare? Is it overpriced, under-priced or fair value? What type of market is it—a seller’s, buyer’s or a balanced market? By having this information at your fingertips, you are in a position to negotiate the best price and take advantage of any opportunities that may show up.

NEGOTIATION EXPERTISE While a REALTOR® does many things, one of his or her most important functions is to negotiate on behalf of their clients. When you purchase a home in Palm Beach County, you want the best deal possible. Your REALTOR’s® job is to facilitate this by drawing up legally binding contracts, assisting in negotiating offers, offering advice and perspective and, if needed, acting as a mediator during any potential disputes between you and the seller.

FINDING THE RIGHT HOME AND NEIGHBORHOOD FOR YOU REALTORS® spend a lot of time and energy making sure they know their local market inside and out. They are familiar with the current market values of properties in Palm Beach County and are your best resource for finding the right home.

PROFESSIONAL EXPERIENCE A REALTOR® brings to the table all of his or her knowledge, training and negotiation skills, and will explain exactly what you can

expect from the buying/selling process. He or she will be able to explain your rights and obligations, help organize and strategize and even discuss financing options.

All REALTORS® are members of the National Association of Realtors (NAR). This organization requires all of its members to adhere to a strict Code of Ethics and Standard of Business Practice. The Code and Standards are very important because they assure that all REALTORS® offer the highest level of service, honesty and integrity possible. All REALTORS® are subject to constant professional monitoring that keeps them directly accountable to the individual consumers they serve. NAR also ensures that all of its members are knowledgeable and highly trained in order to better serve the public and offers ongoing education courses so that REALTORS® continue to meet the highest professional standards in a constantly changing industry.

DETERMINING YOUR WISH LIST What is it that you want from your new home? A particular style, design, lot type?

Proximity to schools, services, work? A pool? A two-car garage? A specific price range? A

Information provided by the Realtors® Association of the Palm Beaches

REALTOR® will help identify exactly what it is you are looking for and ensure that you get to see all the homes that meet your criteria.

ASSIST WITH FINANCING NEEDS REALTORS® are familiar with all of the complexities involved in the pre-qualification, approval and negotiation of mortgage rates.

Like many industries, banks are experiencing quite a bit of competition and are often willing to flex from their quoted rates. Experienced REALTORS® can often assist in finding the most competitive rates and terms available.

ACCESS TO THE REGIONAL MULTIPLE LISTING SERVICE: REALTORS® have exclusive access to the Regional Multiple Listing Service (RMLS). The RMLS system also allows a REALTOR® to examine all properties for sale and short-list the ones that are right for you. This not only offers more choices but also saves you valuable time and effort.

Ask your Real Estate Agent if they are a REALTOR®, a member of the National Association of REALTORS..

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BewareOF PREDATORY LENDING AND MORTGAGE FRAUD

7 Ways to Save ON HOMEOWNERS INSURANCE To obtain insurance at a good rate:

As a result of the recent surge in financial crimes, the Federal Bureau of Investigation (FBI) is cracking down on mortgage fraud to curtail this growing problem. Predatory lending and mortgage fraud are among the most common types of financial crimes. Especially vulnerable to predatory lending are first-time and elderly buyers.

Florida is one of 10 states on the FBI’s list of mortgage fraud hot spots.

Mortgage fraud scams were also among the top 10 categories of complaints received by the Florida Attorney General’s Office recently, prompting Florida Attorney General Bill McCollum to issue a consumer advisory.

WHAT IS FRAUD? Fraud involves two parties: one makes a false statement of fact material to the business involved, and the other party relies on that statement to their detriment.

Anyone involved can be held liable. Responsible parties can include buyers, sellers, real estate agents and brokers and mortgage brokers.

WHAT IS PREDATORY LENDING? Predatory lending usually involves consumers losing their homes and their investments because of predatory lenders, appraisers, mortgage brokers and home improvement contractors who: • Sell properties for much more than they are worth using false appraisals.

• Encourage borrowers to lie about their income, expenses or cash available for downpayments in order to get a loan.

• Knowingly lend more money than a borrower can afford to repay.

• Charge high interest rates to borrowers based on their race or national origin and not on their credit history.

The U.S. Department of Housing and Urban Development (HUD) has created a new brochure to educate consumers on predatory lending. The brochure is available in English and Spanish and includes valuable information to help protect consumers from unlawful perpetrators.

To get the new HUD brochure, visit www.hud.gov.

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1. Review the Comprehensive Loss Underwriting Exchange (CLUE) report on the property you’re interested in. CLUE details the property’s claims history for the most recent five years, which insurers may use to deny coverage. Make the sale contingent on a home inspection to ensure that problems identified in the CLUE have been repaired.

2. Seek insurance coverage as soon as your offer is approved. You must obtain insurance to buy. And you don’t want to be told at closing that the insurer has denied your coverage.

3. Maintain good credit. Increasingly, insurers are using credit-based insurance scores to determine premiums.

4. Buy your homeowners and auto policies from the same company and you’ll usually qualify for savings. But make sure the discount really yields the lowest price.

5. Ask about other discounts. For example, retirees who are home more than working people may qualify for a discount on theft insurance.

6. Seek group discounts. If you belong to any groups, such as associations or alumni organizations, they may have deals on insurance coverage.

7. Investigate a government-backed insurance plan. In some high-risk areas, federal or state government may back plans to lower rates such as wind mitigation that could save you hundreds even thousands each year. Ask your agent.

If you already have an insurance policy: • Get a wind mitigation report and save hundreds even thousands on your homeowners insurance.

• Review your policy limits and the value of your possessions annually. Some items depreciate and may not need as much coverage.

• Insure your house for replacement cost, not market value. Beware: Many insurance companies are eliminating guaranteed full-replacement costs for homes.

• You can usually obtain discounts of at least 5 percent for a smoke detector, burglar alarm or dead-bolt locks.

• Retrofit your house to protect against natural disasters common to your area.

• Raise your deductible. Avoid making claims under $1,000.

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RESIDENTIAL REAL ESTATE

HelpfMOVING ul HINTS

Moving doesn’t have to be a stressful experience, and choosing the right moving company is the best way to ensure an easy move.

5 STEPS TO FINDING A QUALITY MOVING COMPANY 1. Make sure your moving company is properly licensed. The Palm Beach County Consumer Affairs Division maintains a list of licensed movers in the county, which is available on their Web site, www.pbcgov.com/consumer or by calling (561) 712-6600.

2. Ask family and friends for recommendations. The Consumer Affairs Division also keeps a list of consumer dispute history and business information reports for local moving companies.

3. Decide who will do the packing of boxes.

The cost of the move increases when the moving company packs your goods in boxes. Moving companies will not take responsibility for items broken in boxes they don’t pack.

4. Obtain written estimates from at least three licensed moving companies. Written estimates should include all the costs for packing and transporting your goods.

5. Don’t use price as the only factor. The lowest or highest estimates do not assure quality service.

NEED-TO-KNOW INFORMATION Valuation Coverage: Every moving company must provide minimum Valuation Coverage of 60 cents for every pound of every item damaged, destroyed or lost during transit.

Of course, this amount will not cover your losses on many of your goods if they are lost or damaged. Inquire about Additional Valuation Coverage from your moving company, and be sure that you understand and agree to the terms.

Bill of Lading: Before doing any work, your moving company must provide you with a Bill of Lading and, if the move is within Palm Beach County, your mover must also provide you with a Palm Beach County (or Tri-county) Disclosure Form. Both must be signed by you and the moving company representative.

Deposits: Deposits required by a moving company can not be more than 20 percent of the total estimate. If the move is cancelled by the consumer within 48 hours of the scheduled move, the moving company must return the deposit.

Unloading: It is a felony criminal offense for a moving company to refuse to unload the household goods if the amount of the

estimate/Bill of Lading has been paid by the consumer. The moving company may legally refuse to unload your household goods if you do not pay the estimate/Bill of Lading amount.

Damage: If your goods are lost or damaged in the move, you must give written notification to the moving company within 60 days after delivery. Your written notice should be very specific and clearly state that you wish to make a claim for compensation of lost or damaged goods.

FOR MORE INFORMATION ON MOVING LAWS, CONTACT: Palm Beach County Consumer Affairs Division 50 S. Military Trail, Suite 201 West Palm Beach, FL 33415 (561) 712-6600 • (888) 852-7362 www.pbcgov.com/consumer

HOW TO CHOOSE A REPUTABLE BUILDING/CONTRACTOR Representing builders in Palm Beach County and beyond, the Gold Coast Builders Association (GCBA) is a trade organization that promotes economic growth and community development. While the GCBA does not disperse information regarding customer satisfaction of specific builders and contractors, it does have the following recommendations: • Check for filed complaints or violations with the Department of Professional Regulation at (850) 487-1395.

• Check with the Better Business Bureau at (561) 842-1918.

• Request references from the builder/contractor and contact each of them.

•

• •

Request the proof of insurance from the builder/contractor and make sure the company is fully insured, with workers’ compensation and liability.

Contact your bank and make sure the builder/contractor is approved with their residential lending program.

Request a Release of Lien to ensure that all suppliers and subcontractors have been paid for work performed.

The National Association of Home Builders’ Web site offers valuable information on selecting a builder/contractor. Visit www.nahb.com, click on “Resources” and then “For Consumers.”

REAL ESTATE GUIDE TO THE PALM BEACHES

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BBS INDUSTRIES, INC. Painting & Waterproofing Contractors

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We offer 7 and 8 year manufacturer and contractor warranties.

We are licensed in Palm Beach, Martin, Saint Lucie, Indian River, Broward, Lee & Charlotte Counties

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Call, click, or stop by today and ask about a new mortgage with historically low rates and our free Wells Fargo® Preferred Payment Plan.SM

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2010 Wells Fargo Bank, N.A. All rights reserved. Member FDIC. ECG-283001

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Numbers TO KNOW

ALL EMERGENCIES

GOVERNMENT NUMBERS

Police, Fire and Rescue ..................................................................911 County Division of Emergency Management........................................................................712-6400 Poison Control Center ..................................................(800) 222-1222 Boca Raton Police..................................................................338-1333 Boynton Beach Police ............................................................732-8116 Crime Stoppers..............................................................(800) 458-TIPS Delray Beach Police ..............................................................243-7800 Jupiter Police ........................................................................746-6201 PBC Sheriff’s Office Sheriff/Main Number ............................................................688-3000 District #14/Lake Worth ......................................................586-1611 District #8/Wellington ..........................................................688-3400 North Palm Beach Police ......................................................848-2525 Palm Beach Gardens Police ..................................................799-4445 Palm Beach Police ................................................................838-5454 Riviera Beach Police ..............................................................845-4126 West Palm Beach Police ........................................................822-1600

Photo by Robert Stevens

CITIZEN SERVICES 211 Helpline ....................................................................................211 AIDS Hotline ..................................................................(800) 352-2437 Alcoholics Anonymous ..........................................................655-5700 Better Business Bureau..........................................................842-1918 Consumer Affairs....................................................................712-6600 Florida Abuse Hotline ....................................................(800) 962-2873 Lawyer Referral Services ........................................................687-3266 Legal Aid Society....................................................................655-8944 Palm Beach County Convention and Visitors Bureau ..............................................................233-3000 Palm Beach County Cultural Council......................................471-2901 Palm Beach County Sports Commission................................233-3180 Time, Temperature & Weather ................................................832-3801 Workforce Alliance Career Center ..........................................340-1060 The Homeless Coalition of Palm Beach..................................478-5351

Animal Care & Control ............................................................233-1200 Auto Tag Information ..............................................................355-2622 Business Tax Receipts............................................................355-2272 City of West Palm Beach (Dept. of Construction Services) ........................................................659-8096 Clerk & Comptroller ................................................................355-2996 County Commissioners ..........................................................355-2001 County Courthouses Central (Main West Palm Beach) ......................................................355-2040 Glades (West County) ..........................................................996-4800 North County (Palm Beach Gardens) ..................................624-6650 South County (Delray Beach) ..............................................274-1400 County Government Center....................................................355-3623 County Health Department ....................................................840-4500 Driver’s License Bureau ..........................................................681-6333 Florida Fish & Wildlife Conservation Commission....................625-5122 Florida Highway Patrol............................................................357-4000 Gun Permits ..........................................................................640-6144 Internal Revenue Service ..............................................(800) 829-3676 Marriage Licenses ..................................................................355-2230 PBC Library Department ........................................................233-2600 PBC Parks & Recreation ........................................................966-6600 Passports ..............................................................................355-1856 Property Appraiser ................................................................355-3230 Property Tax - Real Estate & Tangible ....................................355-2266 Road & Bridge........................................................................233-3950 School District ........................................................................434-8000 Social Security Administration........................................(800) 772-1213 Solid Waste Authority ............................................................697-2700 State Attorney ........................................................................355-7100 Supervisor of Elections ..........................................................656-6200 Tax Collector ..........................................................................355-2264 U.S. Coast Guard ..................................................................844-4470 U.S. Customs ........................................................................233-1080 U.S. Post Office ............................................................(800) 725-2161 Veteran’s Services ..................................................................355-4761 Voter Registration ..................................................................656-6200 West Palm Beach Library ......................................................868-7700 West Palm Beach Parks & Recreation....................................804-4900

The area code is (561) unless otherwise noted.

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The Towers Palm Beach Gardens

Leased & Managed by

250 South Australian Avenue, Suite 1100, West Palm Beach, FL 33401 Phone: (561) 721-7000 • Fax: (561) 721-7001 mwalters@wgcompass.com www.wgcompass.com

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Commerical Real Estate ®

MESSAGE FROM RAPB’S REALTORS COMMERCIAL ALLIANCE

Will Rogers the famous humorist once quipped "America is a land of opportunity and don't ever forget it." The quote takes on weight when you consider that he said that in the midst of the Great Depression of the 1930’s. There is truth and insight in those words. We are in what is arguably a very poor economy, but we must remember that where there is uncertainty, there is opportunity. Those who are stakeholders in the South Florida economy must remain open to changing some of the things we have grown accustomed to – and finding new ways of surviving and even prospering.

There are some positive indicators for Palm Beach County. This area is expected to show moderate-to-low growth in some major indicators.

Personal income is expected to grow 2.4 percent annually. Per capita income is still the highest in Florida. Average annual wage growth is projected to be 2.3 percent and the average annual wage level is still one of the highest in the state. Unemployment is expected to be 9.4% - a high number – yet it is one of the lowest in the state. Palm Beach County’s fastest growing sectors are expected to be in the Professional and Business Services, and Education and Health Services.

The commercial real estate market is experiencing high vacancy rates in the industrial, office and retail sectors. With many of the major retailers downsizing, incentives are popping in all shapes and “$” sizes.

The number of commercial property sale transactions in the county has dropped to less than 50 year to date, and many deals collapse due to inability to obtain financing. The bargains are out there, but it is a cash market. Many distressed properties will be appearing on the market in the next six months at steep discounts, like the “short sales’ in the residential market. Those represent a great opportunity for aggressive and smart

buyers to put the properties back into operation at realistic lease rates.

This realignment will also represent a boon to those wanting space, since it will become affordable once again after the ruinously high rates of the last five years. All of that is good news; however, taxes and municipal burdens must decline to match the market. No sector of the economy can remain off the table when it comes to this economic realignment. If county and municipal governments are smart, they will aggressively encourage vacant space absorption by loosening zoning and use restrictions and allowing landlords to book tenants in spaces they are now locked out of by use restrictions or slow and cumbersome approval processes. Property taxes must come down, or the expense burden will continue to crush leasing markets.

Where are we heading and what’s the forecast? With the Health, Education and Bioscience industry showing positive signs of growth in our area, Palm Beach County could continue to enjoy some influx of companies in those fields, but only if regulatory barriers are eased and incentives offered by our local governments. The EB-5, Investor Visa program, has identified Palm Beach County as a target market for potential foreign investors. In conjunction with tourism, conventions & expos, and cultural promotions this Visa program could help boost interest among national and international investors. Palm Beach County remains as one of the Hottest “Spots” in the globe for business and quality of life.

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What You Shoul d Know ABOUT LEASING COMMERCIAL REAL ESTATE Are you getting ready to start looking for a new lease space? If so, here are a few things to think about. First, make a wish list—what would be the perfect site, location and amenities for the space you want to lease. You probably won’t get everything you want, but it gives you a place to start.

Next, how much space do you need? You should look at what your company’s growth has been over the last five years and what you expect it to be over the next three to five years.

Why? Whether you are expanding or contracting you will still want to lease enough space for minor expansion. Moving is always an expensive proposition; satellite locations are expensive and inefficient.

Once you determine how much space you need, the next thing to look at is location. Make a geographical box of the area where you want to be and go a little further out of that box; sometimes there might be a better deal just outside the area where you want to locate. Is it more important to consider how far you and your key employees have to travel, or the accessibility of your clients and customers? Are you better to be located near Interstate 95 or Florida’s Turnpike? If you get a lot of deliveries or your business requires deliveries to your customers, then you need to factor in fuel costs and time it takes you to get to the highway from your new location.

Now you have found a space that you like, you need to ask some important questions to the owner or the owner’s leasing agent. How much is the base rental rate and how much is the common area maintenance (CAM) or operating expenses of the building? Does the owner use a gross lease or a Net Net Net (NNN) lease?

Depending on the motivation of the owner,

the base rental rate might be negotiable, but not always. Due to financing, the owner may not have the ability to reduce the base rent, however, they might be able to give an abatement of base rent (usually the owner will not abate CAM or operating expenses).

The owner will probably ask that the prospective tenant fill out a rental application and credit application. Prospects have said, “No! They are not going to give that information!” Property owners who don’t ask for financial information usually are owners who might not take pride in their property and/or their tenants. Yes, there are problem owners!

You want an owner who cares about their property, and keep in mind that most people spend more time at their place of business than they do at home.

In all multistoried office buildings there is what is referred to as the common area loss factor. This is the pro-rata share percentage of the common areas equated to your lease space. For instance, your rentable square footage of the space is 1,000 square feet with a loss factor of 15 percent. With the loss factor the usable square footage, the space that you actually get to use, is 850 square feet. However, you will be paying the owner base on the rentable number, 1,000 square feet.

The CAM or operating expenses should include real estate taxes, property insurance, water/sewer, common area electric, landscape maintenance, trash removal, property management, repair and replacement of major components on the property including parking lots and roof repair and replacement. Many of these items are considered uncontrollable and the owners have very little control over the costs.

A good property owner will have the

One Clearlake

expenses of the property as low as he can get them. Also most tenants don’t know this, but landlords are accountable to the tenants for the operating expenses. A tenant has the right to review the operating expenses every year; all one has to do is ask the property owner to provide back-up data to justify the costs. Remember as the tenant you’re the one paying the bill.

When considering a space don’t be afraid to ask questions that are geared directly toward the operating expenses, i.e. how old is the roof and how often is it maintained, how many parking spaces are allotted for my unit, do I have access to my space 24/7, is the property you are leasing zoned properly for your business and does the owner have a maintenance agreement for the air conditioner and heating system (HVAC). (If an HVAC system is old it can be very costly to run. Get a licensed AC contractor to inspect the system in the space you’re going to lease. Is it still under warranty? You might be better off making a deal with a landlord to put a new condensing unit in your space; it will pay for itself in about 12 to 18 months.)

And if you really want to be smart, get yourself a good Real Estate broker to help you find the space. They will cover more ground in one hour than you will in a week. They should know where to look when you give them your wish list and they will be able to negotiate the business terms of the lease. It is also important to hire a good Real Estate Attorney to review the lease and negotiate the legal aspects of the lease with the owner’s attorney.

MOVING AN OFFICE? THINK ABOUT THIS In everyday business life, moving an office happens once every 36 to 60 months, and nobody wants to do it. There are things to consider that will help the process move along more efficiently.

First and foremost, it will take longer than you think. If you prepare for this, you are way ahead of the game. Take the time to find out about large electronics like copiers, scanners and industry specific equipment that is probably leased. Most of the time the leasing company not only will move the equipment, they require it.

The property management company may have insurance and moving requirements that may effect the time and logistics of the move, so it is good to get that information early in the process.

Planning the packing of files and the disassembly of electronics the

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day before the move also makes for a smooth transition.

When hiring movers for the job, there are a few things to look for.

Ask about training and background checks for the employees.

Protecting the building and your items is very important. Do they have experience in moving a company similar in size and industry to yours?

Some movers will not only take care of the issues mentioned earlier, they will take on a project management role to help the move seem easy. Above all, however, they should be a certified office mover.

Planning ahead and letting the right people take care of the things they specialize in will not only make for a smooth move, but ensures less downtime and faster return to productivity for you and your co-workers.

REAL ESTATE GUIDE TO THE PALM BEACHES

Buyer’s 2011

GUIDE

REAL ESTATE GUIDE TO THE PALM BEACHES Photo by Robert Stevens

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Buyer’sGUIDE ACCOMMODATIONS CASA GRANDVIEW LUXURY VACATION RESORT HOMES & SUITES Cheryl Grantham Owner / Manager (877) 435-2786 1410 Georgia Ave. West Palm Beach, FL 33401 Fax: (561) 655-1795 inquiries@casagrandview.com www.casagrandview.com PALM BEACH RESORT & BEACH CLUB Kandy Reynolds Resort Manger / Dir. of Sales & Marketing (561) 586-8898 3031 S. Ocean Blvd.

Palm Beach, FL 33480 Fax: (561) 586-0390 kandy@vacationfla.com www.floridarent.com ACCOUNTANTS CERTIFIED PUBLIC BMH ACCOUNTING AND MORE Shirley Amendola Business Development Manager (561) 601-3444 1300 N. Federal Hwy., Suite 208 Boca Raton, FL 33432 Fax: (561) 750-1676 shirley@bmhtaxes.com www.bmhtaxes.com D. BROOKS AND ASSOCIATES, CPA, P.A. David Brooks Managing Shareholder (954) 592-2507 8918 Marlamoor Lane West Palm Beach, FL 33412 Fax: (561) 776-5964 david@dbrookscpa.com www.dbrookscpa.com NARDA E. BUTNER, CPA, P.A. Narda Butner, Partner (561) 653-3330 420 Clematis St., 2nd Floor West Palm Beach, FL 33401 Fax: (561) 366-9251 CBIZ MHM, LLC (561) 544-6366 951 Yamato Rd., Suite 200W Boca Raton, FL 33431 Fax: (866) 940-5587 www.cbiz.com CHERRY BEKAERT & HOLLAND, LLP Mark J. Burger / Michael Weinstein Tax & Bus. Mgr. / Audit & Bus. Ptnr.

(561) 835-8352 250 S. Australian Ave, #1201 West Palm Beach, FL 33401 Fax: (561) 835-8356 mburger@cbh.com www.cbh.com COASTAL ACCOUNTING & TAX John Crane (561) 632-4005 johnjcrane@hotmail.com www.coastalacct.com

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COCHRANE & COMPANY Reynolds J. Cochrane Vice President (561) 684-9566 2801 Exchange Court West Palm Beach, FL 33409 Fax: (561) 687-3528 rjc@bellsouth.net www.cochranecpa.com DISALVO FINANCIAL SERVICES, LLC Scott DiSalvo, Associate (561) 659-1177 1760 N. Jog Rd., Suite 150 West Palm Beach, FL 33411 Fax: (561) 659-1197 sdisalvo@disalvofinancial.biz www.disalvofinancial.biz EQUITRACK BUSINESS CONSULTING Felix Somarriba, Owner (561) 357-4793 7320 Winder Court Lake Worth, FL 33467 f_somarriba@comcast.net www.equitrackbusiness consulting.com EVELYN F. PARKES, CPA, P.A. Evelyn F. Parkes, CPA (561) 366-9250 420 Clematis St., 2nd Floor West Palm Beach, FL 33401 Fax: (561) 366-9251 parkescpa@msn.com www.parkescpa.com FUOCO GROUP LLC Mitchell Zachary Managing Partner (561) 626-0400 772 U.S. Hwy. One North Palm Beach, FL 33408 Fax: (561) 626-3453 mzachary@fuoco.com www.fuoco.com GOLDBERG JACOBS & COMPANY LLP Marilyn Lew-Jacobs Partner - CPA (561) 615-8585 2161 Palm Beach Lakes Blvd #450 West Palm Beach, FL 33409 Fax: (561) 615-8888 mlj@goldbergandjacobs.com www.goldbergandjacobs.com

NOWLEN HOLT & MINER P.A. Edward T. Holt, Managing Partner (561) 659-3060 215 5th St., Suite 200 West Palm Beach, FL 33401 Fax: (561) 835-0628 info@nhmcpa.com www.nhmcpa.com

HAYDEN AIR INC. David Hayden, Owner (561) 835-9848 2740 S.W. Martin Downs Blvd., #241 Palm City, FL 34990 Fax: (772) 220-8532 haydenair2@bellsouth.net www.haydenair.com

RAMPELL & RAMPELL P.A. Richard Rampell President / CEO, CPA (561) 655-5855 223 Sunset Ave., Suite 200 Palm Beach, FL 33480 Fax: (561) 655-7688 richard@rampell.com www.rampell.com

JOHN C. CASSIDY AIR CONDITIONING, INC. John C. Cassidy, President (561) 863-6750 846 West 13th Court Riviera Beach, FL 33404 Fax: (561) 863-8305 info@cassidyac.com www.cassidyac.com

SCHANEL & ASSOCIATES / CPA’S Laurie Albert, CPA (561) 624-2118 4600 Military Trail, Suite 215 Jupiter, FL 33458 Fax: (561) 624-0726 laurie@schanelcpa.com www.schanelcpa.com

SERVICE EXPERTS Darla J. Maletzke Commercial Account Manager (561) 747-5420 840 Jupiter Park Dr, Suite 110 Jupiter, FL 33458-8947 Fax: (561) 747-8251 darla.maletzke@serviceexperts.com www.serviceexperts.com

TEMPLETON & COMPANY, LLP Steven Templeton, President (561) 798-9988 222 Lakeview Ave., Suite 1200 West Palm Beach, FL 33401 Fax: (561) 798-4053 gmckay@templetonco.com www.templetonco.com TIMOTHY M. DECKERT P.A. Timothy M. Deckert, CPA (561) 432-4340 1850 Forest Hill Blvd., Suite 204-A West Palm Beach, FL 33406 Fax: (561) 642-6465 tim@tmdpa.com WTAS LLC Michael L. Kohner, CPA, CFP Managing Director (561) 805-6640 777 S. Flagler Dr., Suite 1700-W West Palm Beach, FL 33401 Fax: (561) 805-6551 michael.kohner@wtas.com www.wtas.com AIR CONDITIONING CONTRACTORS & SERVICES

HOLYFIELD & THOMAS LLC David J. Thomas, CPA Managing Partner (561) 689-6000 125 Butler St. West Palm Beach, FL 33407 Fax: (561) 689-6001 djthomas@holyfieldandthomas.com www.holyfieldandthomas.com

AIR PRO SERVICES OF SOUTH FLORIDA INC. Robert Fiaschi, Vice President (561) 964-1121 7890 Oak Grove Cir. Lake Worth, FL 33467 Fax: (561) 423-6307 service@airproservice.com www.airproservice.com

JC ROGERS CPA, PA John Rogers, CPA (561) 222-3625 4440 PGA Blvd., Suite 600 Palm Beach Gardens, FL 33410 Fax: (866) 546-0938 info@jcrogerscpa.com www.jcrogerscpa.com

DIAZCO COMFORT SOLUTIONS, INC. Martha & Jose Diaz President & Vice President (561) 432-4013 500 Palm St. West Palm Beach, FL 33401 Fax: (561) 434-2240 diaz3344@comcast.net

MCGLADREY & PULLEN, LLP Chrystal Bronson, Supervisor (561) 682-1627 1555 Palm Beach Lakes Blvd, #1400 West Palm Beach, FL 33401 Fax: (561) 697-8055 chrystal.bronson@rsmi.com www.mcgladrey.com

EAST COAST MECHANICAL INC. Jose Ramirez, President (561) 586-3739 1500 N. High Ridge Rd. Boynton Beach, FL 33426-8724 Fax: (561) 586-1839 info@ecmservice.com www.ecmservice.com

AIR PURIFICATION JD ENVIRONMENTAL LLC Joe Margolis, Sr., President (561) 964-2735 6261 Plains Dr. Lake Worth, FL 33463 jdenvironmentalllc@gmail.com www.jdenvironmental.net AIR PURIFYING & WATER IONIZATION ENVIROTECH GROUP, INC. Jeffrey Klein, President (561) 623-5327 4440 PGA Blvd. #600 Palm Beach Gardens, FL 33410 info@envirotechgroup.net www.envirotechgroup.net APPLIANCE - SALES & SERVICE ROSNER’S INC. Lenny Rosner, President (561) 967-8600 1480 S Military Trail West Palm Beach, FL 33415 Fax: (561) 966-6199 rosners@bellsouth.net www.rosners.com ARCHITECTS DAILEY JANSSEN ARCHITECTS, P.A. Ed Dailey, Principle (561) 640-5281 2 Harvard Circle, Suite 300 West Palm Beach, FL 33409 Fax: (561) 640-5283 eed@daileyjanssen.com www.daileyjanssen.com GLIDDEN-SPINA & PARTNERS, ARCHITECTURE AND INTERIOR DESIGN, INC, John Glidden / Keith Spina Partners (561) 684-6844 1401 Forum Way, Suite 100 West Palm Beach, FL 33401 Fax: (561) 684-5594 info@gsp-architects.com www.gsp-architects.com

MPA ARCHITECTS INC. Richard J. Logan, President (561) 683-7000 1801 E Centrepark Dr, Suite 175 West Palm Beach, FL 33401 Fax: (561) 478-3922 info@mpa-pb.com www.mpa-pb.com REG ARCHITECTS INC. Rick Gonzalez, AIA, President (561) 659-2383 Ext:17 307 Evernia St., 4th Floor West Palm Beach, FL 33401 Fax: (561) 659-5546 rick@regarchitects.com www.regarchitects.com SCHWAB TWITTY HANSER ARCHITECTS Bill Hanser / Paul Twitty (561) 688-2111 1400 Centrepark Blvd, Ste. 500 West Palm Beach, FL 33401-4327 Fax: (561) 697-8040 www.sth-arch.com SONG + ASSOCIATES, INC. Carole Mayer Director of Marketing & Business Development (561) 655-2423 400 S Australian Ave., 6th Floor West Palm Beach, FL 33401 Fax: (561) 655-1482 cmayer@songandassociates.com www.songandassociates.com

BATERBYS ART AUCTION GALLERY Gordon Marshall Art Gallery Director (561) 498-5085 13900 Jog Rd. Unit 208-209 Delray Beach, FL 33446 artgallery@baterbys.com www.baterbys.com SOSO!!! ROW FINE ART GALLERY Bonnie Benamar Volunteer Curator (561) 891-6619 5505 S. Dixie Highway West Palm Beach, FL 33405 balaigne@aol.com ART ORGANIZATIONS & INFORMATION ABRAKADOODLE, INC. Gillian Gordon Education Director (Owner) (561) 793-3541 9175 Dupont Place Wellington, FL 33414 Fax: (561) 828-6401 ggordon@abrakadoodle.com www.abrakadoodle.com

ASSOCIATIONS AREA AGENCY ON AGING - YOUR AGING RESOURCE CENTER Jamie Estremera-Fitzgerald, CEO (561) 684-5885 4400 N. Congress Ave. West Palm Beach, FL 33407 Fax: (561) 214-8679 ernstp@elderaffairs.org www.myanswersonaging.org BROADWAY RE-INVESTMENT COALITION (B.R.I.C.) Mike Tarlitz, Executive Director (561) 840-7722 3600 Broadway West Palm Beach, FL 33407 info@bricwpb.org www.bricwpb.org

Network with the pros!

UNCOMMON ARCHITECTURAL PLACES A.W. Nardi, Principal (413) 246-8264 5200 N. Ocean Dr. #203 Singer Island, FL 33404 www.nardi.name WILLIAM WATERS DESIGNS, LLC William Waters, Architect (561) 366-8287 745 Kanuga Dr. Flamingo Park West Palm Beach, FL 33401 wwkanuga@bellsouth.net www.watersdesigns.net ZEIDLER PARTNERSHIP INC., ARCHITECTS Michael Nelson Director of Architecture (561) 832-9110 105 S. Narcissus Ave., Suite 310 West Palm Beach, FL 33401 Fax: (561) 832-8876 mnelson@zeidlerpartnership.com www.zeidlerpartnership.com ARCHITECTS - ENGINEERS HANSON PROFESSIONAL SERVICES INC. David L. Peters, P.E.,C.P.E. (561) 471-9370 Ext:5324 1601 Belvedere Rd., Suite 303-S West Palm Beach, FL 33406 Fax: (561) 471-9369 dlpeters@hanson-inc.com www.hanson-inc.com ART GALLERIES, DEALERS, CONSULTANTS ART WAREHOUSE Jeremy S. Berg, President (561) 439-9930 5280 10th Ave. N., Suite B Greenacres, FL 33463 Fax: (561) 439-9929 info@artwarehouseonline.com www.artwarehouseonline.com

CLASSROOM TEACHERS ASSOCIATION Robert Dow, President (561) 683-4623 715 Spencer Drive West Palm Beach, FL 33409 Fax: (561) 478-8332 dow@floridaea.org www.palmbeachcta.net

CENTER FOR CREATIVE EDUCATION Tom Pilecki Executive Director (561) 805-9927 425 24th St. West Palm Beach, FL 33407 Fax: (561) 805-9929 tomp@cceflorida.org www.cceflorida.org

GOLD COAST BUILDERS ASSOCIATION Chris Roog (561) 732-5959 Ext:105 2101 Corporate Drive Boynton Beach, FL 33426 Fax: (561) 732-4454 chris@gcbaonline.com www.gcbaonline.com HABITAT FOR HUMANITY OF PALM BEACH COUNTY Bernard Godek Executive Director (561) 433-3351 1225-A S. Military Trail West Palm Beach, FL 33415 Fax: (561) 304-0223 hfhpbc1@bellsouth.net www.habitatpbc.org HISTORICAL SOCIETY OF PALM BEACH COUNTY Mr. John McDonagh President & CEO (561) 832-4164 300 N. Dixie Highway West Palm Beach, FL 33401 Fax: (561) 832-7965 info@historicalsocietypbc.org www.historicalsocietypbc.org

772 US Highway One, Suite 200, N. Palm Beach, FL 33408 • 561.626.0400 123 N.W. 13th Street, Boca Raton, FL 33432 • 561.209.1101 With office locations in New York City and Long Island

Providing Income Tax, State Tax, Financial Planning & Business Consulting Service Industries Served Construction Health Care Distribution Non-Profit Governmental Professional Services Real Estate Retail Manufacturing Financial Technology Entertainment & Leisure

Mitchell R. Zachary, CPA/PFS, CFP CPA Licensed in Florida and New York REAL ESTATE GUIDE TO THE PALM BEACHES

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Buyer’sGUIDE GREATER WEST PALM BEACH JAYCEES Jamie Fleagane (561) 697-5399 PO Box 1094 West Palm Beach, FL 33402 www.wpbjaycees.com THE LEUKEMIA & LYMPHOMA SOCIETY Pamela Payne (561) 775-9954 4360 Northlake Blvd., Suite 109 Palm Beach Gardens, FL 33410 Fax: (561) 775-0930 pam.payne@lls.org www.lls.org LUPUS FOUNDATION OF AMERICA, SOUTHEAST FLORIDA CHAPTER Kathleen R. Laca Director of Operations (561) 279-8606 75 NE 6th Ave., Suite 109 & 110 Delray Beach, FL 33483 Fax: (561) 279-9772 info@lupusfl.org www.lupusfl.org THE NATIONAL MULTIPLE SCLEROSIS SOCIETY-SOUTH FLORIDA CHAPTER Mary Jordan Development Manager/Walk (954) 731-4224 3201 W. Commercial Blvd.

Suite 127 Fort Lauderdale, FL 33309 Fax: (954) 739-1398 office@fls.nmss.org www.nationalmssociety.org/fls PALM BEACH COUNTY MEDICAL SOCIETY Tenna Wiles, CEO (561) 433-3940 3540 Forest Hill Blvd, Suite 101 West Palm Beach, FL 33406 Fax: (561) 433-2385 pbcms@pbcms.org www.pbcms.org PLUMBING & AIR CONDITIONING CONTRACTORS INDUSTRY FUND Robert J. Riestenberg Executive Director (561) 683-8833 5730 Corporate Way, Suite 110 West Palm Beach, FL 33407 Fax: (561) 683-9633 budr@paccif.org www.paccif.org POLICE ATHLETIC LEAGUE OF WEST PALM BEACH, INC. Officer Stephanie Patterson Program Director (561) 835-7195 600 Banyan Blvd.

West Palm Beach, FL 33401 Fax: (561) 835-7197 spatterson@wpb.org www.wpbpal.org PROFESSIONAL FIREFIGHTERS /PARAMEDICS OF PBC, INC. Michael J. Mayo President IAFF Local 2928 (561) 969-0729 2328 S. Congress Ave., Suite 2-C West Palm Beach, FL 33406 Fax: (561) 969-1059 www.IAFF2928.com

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REALTORS ASSOCIATION OF THE PALM BEACHES Dionna Hall V.P. of Government Affairs (561) 585-4544 1926 10th Ave. North, Suite 410 Lake Worth, FL 33461 Fax: (561) 585-4348 dbrahs@rapb.com www.rapb.com THE SALVATION ARMY Major Thomas McWilliams Area Commander (561) 686-3530 2100 Palm Beach Lakes Blvd.

West Palm Beach, FL 33409 Fax: (561) 686-7858 thomas_mcwilliams @uss.salvationarmy.org www.salvationarmy palmbeachcounty.org SICKLE CELL FOUNDATION OF PALM BEACH COUNTY AND TREASURE COAST, INC. Dr. Yvette L. Coursey, DPA, CEO (561) 833-3113 1600 N. Australian Ave. West Palm Beach, FL 33407-5621 Fax: (561) 659-4505 thesicklecellfoundation @yahoo.com www.sicklecellpalmbeach.org UNITED CEREBRAL PALSY OF PALM BEACH Jessi Smith Community Relations Coordinator (561) 357-7779 Ext:15 3595 2nd Ave N Lake Worth, FL 33461 Fax: (561) 357-7796 jessi.smith@ucpsouthflorida.org www.ucpsouthflorida.org UNITED WAY OF PALM BEACH COUNTY Charles W. Anderson President / CEO (561) 375-6600 2600 Quantum Blvd.

Boynton Beach, FL 33426-8627 Fax: (561) 375-6666 mktinfo@unitedwaypbc.org www.unitedwaypbc.org WEST PALM BEACH POLICE BENEVOLENT ASSOCIATION Lou Penque, President (561) 689-3745 2100 N. Florida Mango Rd. West Palm Beach, FL 33409 Fax: (561) 687-0154 lou@pbcpba.org www.pbcpba.org ATTORNEYS ACKERMAN LINK & SARTORY P.A. Wendy Sartory Link (561) 838-4100 222 Lakeview Ave., Suite 1250 West Palm Beach, FL 33401 Fax: (561) 838-5305 alslaw@alslaw.com www.alslaw.com AKERMAN SENTERFITT Wesley A. Lauer, Esq. Managing Partner (561) 653-5000 222 Lakeview Ave., Suite 400 West Palm Beach, FL 33401 Fax: (561) 659-6313 wesley.lauer@akerman.com www.akerman.com

ALLEY MAASS ROGERS & LINDSAY P.A. David Baker, Attorney (561) 659-1770 340 Royal Poinciana Way Suite 321 Palm Beach, FL 33480 Fax: (561) 833-2261 david.baker@amrl.com www.amrl.com BROAD AND CASSEL Clifford I. Hertz (561) 832-3300 1 N. Clematis St., Suite 500 West Palm Beach, FL 33401 Fax: (561) 650-1123 chertz@broadandcassel.com www.broadandcassel.com BURMAN, CRITTON, LUTTIER & COLEMAN, LLP Bernard Lebedeker Attorney-at-Law (561) 842-2820 515 N. Flagler Dr., Suite 400 West Palm Beach, FL 33401 Fax: (561) 844-6929 blebedeker@bclclaw.com www.bclclaw.com CALDWELL PACETTI EDWARDS SCHOECH & VIATOR LLP Sandra Bolin, Office Manager (561) 655-0620 250 S. Austrailian Ave., Suite 600 One Clearlake Centre West Palm Beach, FL 33401 Fax: (561) 655-3775 bolin@caldwellpacetti.com www.caldwellpacetti.com CARLTON FIELDS P.A. Lynda Harris (561) 659-7070 525 Okeechobee Blvd., Suite 1200 CItyPlace Tower West Palm Beach, FL 33401 Fax: (561) 659-7368 lharris@carltonfields.com www.carltonfields.com JOSEPH D. FARISH JR. LLC Joseph Farish (561) 659-3500 316 Banyan Blvd.

West Palm Beach, FL 33401 Fax: (561) 655-3158 farish@bellsouth.net FITZGERALD MAYANS & COOK, P.A. Steven A. Mayans, Partner (561) 832-8655 515 N. Flagler Dr., Suite 900 Northbridge Centre West Palm Beach, FL 33401 Fax: (561) 832-8678 mayans@fmc-lawfirm.com www.fmc-lawfirm.com FOWLER WHITE BURNETT, P.A. Kathy M. Klock, Esq., Shareholder (561) 802-9044 777 S. Flagler Dr., Suite 901W Phillips Point - West Tower West Palm Beach, FL 33401 Fax: (561) 802-9976 info@fowler-white.com www.fowler-white.com

FOX ROTHSCHILD LLP Cyndi Young Arruda Business Development (561) 835-9600 222 Lakeview Ave., Suite 700 West Palm Beach, FL 33401 Fax: (561) 835-9602 carruda@foxrothschild.com www.foxrothschild.com GOLDSTEIN & JETTE, P.A. Candice Blocker (561) 659-0202 515 N Flagler Dr., Suite 910 West Palm Beach, FL 33401 Fax: (561) 659-0133 cb@goldsteinjette.com www.goldsteinjette.com GORDON & DONER, P.A. Christina Delosua Community Relations Director (561) 799-5070 4114 Northlake Blvd.

Palm Beach Gardens, FL 33410 Fax: (561) 214-8050 cdelosua@fortheinjured.com www.ForTheInjured.com GREENBERG TRAURIG, P.A. Karen Luther (561) 650-7900 777 S Flagler Drive, Suite 300E West Palm Beach, FL 33401 Fax: (561) 655-6222 lutherk@gtlaw.com www.gtlaw.com GREENSPOON MARDER, P.A. William Berger Managing Partner (954) 343-6945 250 S. Australian Ave., Suite 700 West Palm Beach, FL 33401 Fax: (954) 343-6946 william.berger@gmlaw.com www.gmlaw.com GUNSTER H. William Perry, Managing Partner (561) 655-1980 777 S. Flagler Dr., Suite 500E West Palm Beach, FL 33401-6194 Fax: (561) 655-5677 clientservices@gunster.com www.gunster.com HAILE, SHAW & PFAFFENBERGER, P.A. Susan B. Yoffee, Shareholder (561) 627-8100 660 US Hwy One, 3rd Floor North Palm Beach, FL 33408 Fax: (561) 622-7603 syoffee@hsplaw.com www.hsplaw.com HARRINGTON LAW ASSOCIATES, PLLC Jeffrey Harrington, Esq. (561) 253-6690 224 Datura St., Suite 510 West Palm Beach, FL 33401 Fax: (561) 584-6549 epg@harringtonlawassociates.com www.harringtonlawassociates.com JONES FOSTER JOHNSTON & STUBBS P.A. Donald L. MaGruder Director of Administration (561) 659-3000 505 S Flagler Drive, Suite 1100 West Palm Beach, FL 33401 Fax: (561) 832-1454 preinhart@jones-foster.com www.jones-foster.com

KELLEY & FULTON, P.A. Craig I. Kelley, Esq (561) 491-1200 1665 Palm Beach Lakes Blvd.

Suite 1000 West Palm Beach, FL 33401 Fax: (561) 684-3773 craig@kelleylawoffice.com www.kelleylawoffice.com LARMOYEUX & BONE PL Bill Bone, Partner (561) 832-9434 550 S Quadrille Blvd, Suite 200 West Palm Beach, FL 33401 Fax: (561) 832-9445 bb@billbone.com www.lb-law.com THE LAW OFFICE OF KORTE & WORTMAN Carol Anne Plowman Foreclosure Defense Attorney (561) 228-6200 2401 Vista Parkway, Suite 102 West Palm Beach, FL 33411 Fax: (561) 228-6203 cap@kwlawfirm.com www.kwlawfirm.com LAW OFFICES OF ALEXANDER L. DOMB, P.A. Alexander Alec Domb President (561) 347-6000 12230 Forest Hill Blvd., Suite 175 Wellington, FL 33414 Fax: (561) 347-6001 alec@aldlaw.org www.aldlaw.org LEWIS LONGMAN & WALKER P.A. Michelle Diffenderfer Shareholder (561) 640-0820 515 N. Flagler Dr., Suite 1500 West Palm Beach, FL 33401 Fax: (561) 640-8202 mdiffenderfer@llw-law.com www.llw-law.com SHANNON M. MAHONEY, P.A. LAW OFFICES Shannon M. Mahoney Attorney & Counselor at Law (561) 659-4414 315 11th St. West Palm Beach, FL 33401 Fax: (561) 659-6991 smmahoney@mahoneylegal.com www.mahoneylegal.com PERRY & TAYLOR, P.A. F. Martin Perry, Attorney (561) 721-3300 2401 PGA Blvd., Suite 110 Palm Beach Gardens, FL 33410 Fax: (561) 721-2111 fmperri@perrytaylorlaw.com www.perrytaylorlaw.com PRESSLY & PRESSLY, P.A. Grier Pressly, Lawyer (561) 659-4040 222 Lakeview Ave., Suite 910 West Palm Beach, FL 33401 Fax: (561) 655-6006 www.presslyandpressly.com PRUITT & PRUITT, P.A. William E. Pruitt (561) 655-8080 3030 S. Dixie Highway, Suite 5 West Palm Beach, FL 33405 Fax: (561) 655-4134 wepruitt@snedpruitt.com

RICHMAN GREER, P.A. Julie Vernie (561) 803-3500 250 Australian Ave South, #1504 West Palm Beach, FL 33401 Fax: (561) 820-1608 jvernie@richmangreer.com www.richmangreer.com ROTHSTEIN ROSENFELDT ADLER William J. Berger, Shareholder (561) 901-4990 225 NE Mizner Blvd. #675 Boca Raton, FL 33432 Fax: (954) 527-8663 www.rra-law.com ROY & ASSOCIATES, P.A. Dave K. Roy, Esq. (561) 729-0095 219 N. Dixie Highway Lake Worth, FL 33460 Fax: (267) 222-6953 daveroy@mac.com www.attorneydaveroy.com SHUTTS & BOWEN, LLP Harvey E. Oyer, III, Partner (561) 835-8500 525 Okeechobee Blvd., Suite 1100 West Palm Beach, FL 33401 Fax: (561) 650-8530 hoyer@shutts.com www.shutts.com THE LAW FIRM OF CHARLES D. JAMIESON, P.A. Charles Jamieson, Esq. Founder (561) 478-0312 1615 Forum Place, Suite 500 West Palm Beach, FL 33401 Fax: (561) 478-2904 cjamieson@cjamiesonlaw.com www.cjamiesonlaw.com THE LAW OFFICE OF MARSHA BUNN, LLC Marsha Bunn, Attorney (561) 842-1695 444 W. Railroad Ave., Suite 400 West Palm Beach, FL 33401 Fax: (561) 828-0132 bunn_m@bellsouth.net WARD DAMON Philip Ward Managing Partner / President (561) 842-3000 4420 Beacon Circle West Palm Beach, FL 33407 Fax: (561) 842-3626 www.warddamon.com WATTERMAN & WOLFE, P.A. Linette Waterman (561) 697-2644 2090 Palm Beach Lakes, Blvd.

Suite 205 Concourse Tower II West Palm Beach, FL 33409 Fax: (561) 697-2647 waterman@watermanwolfe.com www.watermanwolfe.com WESOLOSKI CARLSON, P.A. Ed Solomon Director of Business Development (561) 361-8866 1615 S. Federal Highway, Suite 101 Boca Raton, FL 33432 esolomon@wesoloskicarlson.com www.wesoloskicarlson.com

ATTORNEYS - REAL ESTATE LAW COHEN, NORRIS, SCHERER, WEINBERGER & WOLMER Gregory R. Cohen, Partner (561) 844-3600 712 U.S. Highway One, Suite 400 North Palm Beach, FL 33408 Fax: (561) 842-4104 www.fcohenlaw.com BANKS 1ST UNITED BANK Linda Casey Sr. V.P./Market Executive (561) 653-3700 307 Evernia St. West Palm Beach, FL 33401 Fax: (561) 653-3735 www.1stunitedbankfl.com BANK OF AMERICA MERRILL LYNCH Katherine Willoughby Sr. V.P./Business Banking (561) 838-5089 625 N. Flagler Dr., 10th Floor West Palm Beach, FL 33401 Fax: (561) 838-2321 www.bankofamerica.com BB&T (BRANCH BANKING AND TRUST) Alex Ream, Personal Banker (561) 653-5594 125 Worth Ave. Palm Beach, FL 33480 Fax: (561) 833-0943 dream@bbandt.com www.bbt.com FIRST BANK OF THE PALM BEACHES Patrick M. Jacks Commercial Loan Officer (561) 847-2700 415 5th St. West Palm Beach, FL 33401 Fax: (561) 847-2703 pjacks@firstbankpb.com www.firstbankpb.com GRAND BANK & TRUST OF FLORIDA J. Russell Greene President / CEO (561) 615-5050 2055 Palm Beach Lakes Blvd West Palm Beach, FL 33409 Fax: (561) 615-5051 rgreene@gbof.com www.grandbankflorida.com HSBC BANK USA, N.A. Marion M. van den Berg V.P. / Branch Manager (561) 803-7180 11280 Legacy Ave., Suite 100 Palm Beach Gardens, FL 33410 Fax: (561) 630-2750 www.hsbc.com HSBC BANK USA, N.A. Myrna Goldstein V.P./Business Relationship Manager (561) 654-4531 101 N. Federal Hwy. Boca Raton, FL 33432 myrna.l.goldstein@us.hsbc.com www.hsbc.com

IBERIABANK Kirk Beerthuis Vice President/Branch Manager (561) 653-5036 605 N. Olive Ave. West Palm Beach, FL 33401 Fax: (561) 653-5043 kirk.berthuis@iberiabank.com www.iberiabank.com IRONSTONE BANK Lisa Elkan VP / Financial Sales Manager (561) 253-8131 3250 PGA Blvd.

Palm Beach Gardens, FL 33410 Fax: (561) 625-0993 lisa.elkan@ironstonebank.com www.ironstonebank.com JP MORGAN CHASE Philip Friedly E.V.P./Sr. Regional Manager (561) 514-0137 222 Lakeview Ave., Suite 100 West Palm Beach, FL 33401 Fax: (561) 514-0922 philip.friedly@chase.com www.chase.com PNC BANK Marlon D. White Vice President / Branch Manager (561) 689-8800 701 Village Blvd.

West Palm Beach, FL 33409 Fax: (561) 686-7252 marlon.white@pnc.com www.pnc.com PNC BANK Susie Dwinell (561) 803-9709 205 Datura St., 4th Floor West Palm Beach, FL 33401 Fax: (561) 803-9968 susanna.dwinell@pnc.com www.pnc.com REGENT BANK Dawn Calder Sr. V.P., Regional Manager (561) 242-3400 1572 Palm Beach Lakes Blvd.

Suite 6 West Palm Beach, FL 33401 Fax: (561) 242-1640 dcalder@regentbank.com www.regentbank.com REGIONS BANK Shawn Whisenhant, Vice President (561) 837-8100 525 Okeechobee Blvd., Suite 100 West Palm Beach, FL 33401 Fax: (561) 837-8130 shawn.whisenhant@regions.com www.regions.com RIVERSIDE BANK Bill Hanrahan, Relations Manager II (561) 966-2888 Ext:68712 665 Royal Palm Beach Blvd.

Royal Palm Beach, FL 33411 Fax: (561) 784-9665 bill.hanrahan@riversidenb.com www.riversidenb.com SABADELL UNITED BANK, N.A. Bud Osborne Executive Vice President (561) 688-9400 1645 Palm Beach Lakes Blvd. #100 West Palm Beach, FL 33401 Fax: (561) 688-9309 www.sabadellunited.com

REAL ESTATE GUIDE TO THE PALM BEACHES

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Buyer’sGUIDE TD BANK Michael Aubrey, Store Manager (561) 841-1445 316 Northlake Blvd.

North Palm Beach, FL 33408 Fax: (561) 841-1446 www.tdbank.com TD BANK Sarah Dobbs Retail Market Manager (561) 242-1944 2130 Centrepark West Dr. West Palm Beach, FL 33409 Fax: (561) 684-5516 sarah.dobbs@yesbank.com www.tdbank.com WACHOVIA BANK, A WELLS FARGO COMPANY Frank Newman (561) 366-5500 450 S. Australian Ave. West Palm Beach, FL 33401 Fax: (561) 802-4022 frank.newman@wachovia.com www.wachovia.com BED & BREAKFAST ACCOMMODATIONS GRANDVIEW GARDENS BED & BREAKFAST AND VACATION HOMES Rick Rose Co-Owner/Manager (561) 833-9023 1608 Lake Ave. West Palm Beach, FL 33401 Fax: (561) 802-8972 grandviewinfo@grandviewgardens.com www.grandview-gardens.com BUILDERS DIVOSTA HOMES Erika Edwards Marketing Manager (239) 495-4800 9240 Estero Park Commons Blvd.

Suite 1 Estero, FL 33928 Fax: (239) 495-4898 erika.edwards@pulte.com www.divosta.com BUILDING MATERIALS CEMEX, INC. Monica Manolas General Manager (561) 741-8200 1001 Jupiter Park Dr., Suite 108 Jupiter, FL 33458 Fax: (561) 748-4066 www.cemex.com VULCAN MATERIALS COMPANY FLORIDA ROCK DIVISION Scott McCaleb Vice President (904) 355-1781 155 East 21st St. Jacksonville, FL 32206 Fax: (904) 355-0817 www.vulcanmaterials.com

Chamber Members receive discounts at Office Depot 24

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CABINETS & CABINETRY ARTISTIC DOORS, INC. Mireyle L. Masson, Vice President (561) 582-0348 2223 2nd Ave. N., Units #9-16 Lake Worth, FL 33461 Fax: (561) 582-0349 artisticdoor@bellsouth.net www.artisticwoodconcepts.com KNAPP KITCHENS & MORE, LLC Cammi Werling, Manager (561) 655-5716 605-B S. Olive Ave. West Palm Beach, FL 33401 Fax: (561) 655-3217 cammi@knappkitchens.net www.knappkitchens.net TOTAL DESIGN IN CABINETRY Debbie Sullivan, President (561) 214-2241 155 Radcliffe Ct. Jupiter, FL 33458 Fax: (561) 622-6819 debcsullivan@yahoo.com www.totaldesignincabinetry.com CLEANING SERVICES JOHNNY DANIELS CLEANING SERVICE John Daniels, Owner (561) 683-1187 7121 71st Way West Palm Beach, FL 33407 LEAPING ‘A’ HEAD Mary Lynn Blakley / Andrew Witte (561) 641-7151 3521 Mill Brook Way Circle Greenacres, FL 33463 OCD PROFESSIONAL CLEANING SERVICES, INC. Tim Garvey Owner / Operator (561) 574-5374 P.O. Box 1477 Hobe Sound, FL 33475 ocdcleaningservice@live.com www.ocdprofcleaningservices.com SUSIESHOMEMAKERS/SHAKLEE Susan Meyer Owner/Operator (561) 523-2328 544 Walker Ave. Greenacres, FL 33463 susieshomemakers@bellsouth.net www.ask-susanm.com CONCRETE & MASONRY SUB-CONTRACTING SHELL SYSTEMS Ken Blumbek, President (561) 988-2117 2223 2nd Ave. N., #B-124 Lake Worth, FL 33461 kenb@shellsystemsinc.com www.shellsystemsinc.com CONDOMINIUMS CITY PALMS CONDOS Niki Piersall, Director of Sales (561) 804-6611 480 Hibiscus St. West Palm Beach, FL 33401 Fax: (561) 804-6622 npiersall@mcwilliamsballard.com www.livecitypalms.com

THE EDGE Christina Kelly, Leasing Manager (561) 655-1441 300 S. Australian Ave. #123 West Palm Beach, FL 33401 Fax: (561) 909-6200 theedge@bridgeregroup.com www.theedgewestpalmrentals.com CONSTRUCTION MANAGEMENT BURJAN CONSULTING, LLC Stephen A. Burjan, President (561) 201-4609 2417 Lake Ave West Palm Beach, FL 33401 Fax: (561) 833-6372 burjancdn@att.net HEDRICK BROTHERS CONSTRUCTION Dale Hedrick, President (561) 689-8880 2200 Centrepark West Dr. Suite 100 West Palm Beach, FL 33409 Fax: (561) 689-8860 info@hedrickbrothers.com www.hedrickbrothers.com JACOBS ENGINEERING & CONSTRUCTION Donald Perry, President (561) 741-1818 500 Maplewood Dr., Suite 4 Jupiter, FL 33458 Fax: (561) 741-1816 dperry@jecllc.com www.jecllc.com CONTRACTORS - GENERAL AAM DEVELOPMENT, INC. Atlee A. Miller, President (561) 870-6059 9661 154th Rd. North Jupiter, FL 33478 Fax: (561) 748-6252 ANDERSON - MOORE CONSTRUCTION CORP. Judith Schumacher Vice President (561) 753-7400 1568 Watertower Road Lake Park, FL 33403 Fax: (561) 253-3208 info@amcbuild.com www.amcbuild.com ATL DIVERSIFIED INDUSTRIES DISASTER RECOVERY Maria V. Ticzon Bus. Dev. Contracts Manager (561) 965-2198 5796 Western Way Lake Worth, FL 33463 Fax: (561) 965-9777 info@atldiversified.com www.atldiversified.com BALFOUR BEATTY CONSTRUCTION Clinton C. Glass Sr. Vice President (954) 585-4000 7901 SW 6th Court, Suite 200 Plantation, FL 33324 Fax: (954) 585-4503 mpearson@balfourbeattyus.com www.balfourbeattyus.com

BARRY CONTRACTING COMPANY Bret Barry, President (561) 351-0212 1083 Raintree Dr. Palm Beach Gardens, FL 33410 barrycontracting@bellsouth.net BURKHARDT CONSTRUCTION INC. Vince Burkhardt, President (561) 659-1400 1400 Alabama Ave., Suite 20 West Palm Beach, FL 33401 Fax: (561) 659-1402 info@burkhardtconstruction.com www.burkhardtconstruction.com COASTAL CONSTRUCTION George Adornato, Vice President (561) 630-3770 3801 PGA Blvd., Suite 101 Palm Beach Gardens, FL 33410 info@coastalconstruction.com www.coastalconstruction.com EAS CONTRACTING SERVICES, LLC Wayne Schlichting President / Owner (561) 719-7602 10171 Sheila Ct. Wellington, FL 33414 Fax: (561) 422-7133 eascs@comcast.net ESP CONSTRUCTION, INC. Allen Arnett, President (561) 691-4243 4188 Westroads Dr. #113 Riviera Beach, FL 33407 allen@estateserviceproviders.com www.estateserviceproviders.com HEDRICK BROTHERS CONSTRUCTION Dale Hedrick, President (561) 689-8880 2200 Centrepark West Dr. Suite 100 West Palm Beach, FL 33409 Fax: (561) 689-8860 info@hedrickbrothers.com www.hedrickbrothers.com K. JACKSON CONSTRUCTION SERVICES, LLC Kevin Jackson, President (561) 743-4900 10172 159th Court N. Jupiter, FL 33478 kevin@kjacksonconst.com www.kjacksonconst.com THE MORGANTI GROUP INC. Paul Colby Business Development (561) 689-0200 1450 Centrepark Blvd., Suite 260 West Palm Beach, FL 33401 Fax: (561) 689-4774 pcolby@morganti.com www.morganti.com THE MURPHY CONSTRUCTION CO. Victor Martinelli Secretary/Treasurer (561) 655-3634 PO Box 3768 West Palm Beach, FL 33402 Fax: (561) 820-2991

PREMO CONSTRUCTION, LLC Preston Halstead, President (561) 689-2046 1161 Pinewood Lake Ct. West Palm Beach, FL 33415 Fax: (866) 427-8524 preston@premoconstructionllc.com www.premoconstructionllc.com QUEST CONTRACTING SERVICES AUTOBUILDERS, INC. Linda Barnette Strategic Bus. Dev.Exec.

(561) 502-8407 5715 Corporate Way West Palm Beach, FL 33407 lbarnette@autobuilders.net www.autobuilders.net SIKON CONSTRUCTION COMPANY, LLC R.E. McWhorter, President & Director of Business Strategies (954) 354-8338 431 Fairway Dr. Deerfield Beach, FL 33441 Fax: (954) 354-8305 www.sikon.com SOUTH PALM CONSTRUCTION, INC. Charles Adams, President (561) 659-5828 1130 Elizabeth Ave. West Palm Beach, FL 33401-6916 Fax: (561) 659-1074 www.southpalmconstruction.com SUFFOLK CONSTRUCTION COMPANY INC. Greg Main-Baillie Director of Business Development (561) 832-1616 One Harvard Circle, Suite 100 West Palm Beach, FL 33409 Fax: (561) 832-6775 www.suffolkconstruction.com THE WEITZ COMPANY Dennis Gallagher (561) 686-5511 1720 Centrepark Dr. E. West Palm Beach, FL 33401 Fax: (561) 686-7774 www.weitz.com CREDIT UNIONS PBC CREDIT UNION Jose A. Garcia Marketing & Bus. Dev. Coordinator (561) 686-4006 3469 Summit Blvd.

West Palm Beach, FL 33406 Fax: (561) 687-9943 josegarcia@pbccu.coop www.pbccu.coop TROPICAL FINANCIAL CREDIT UNION Victor Goicochea Branch Manager (888) 261-8328 Ext:7400 6786 Okeechobee Blvd.

West Palm Beach, FL 33411 Fax: (561) 478-1084 vgoicochea@tfcu-fl.org www.tropicalfcu.org

VELOCITY COMMUNITY FEDERAL CREDIT UNION Aida Alvarez Business Development Executive (561) 625-2314 2801 PGA Blvd., Suite 120 Palm Beach Gardens, FL 33410 Fax: (561) 625-2447 aidaa@velocitycommunity.org www.velocitycommunity.org DEMOLITION CONTRACTOR DEMREX INDUSTRIAL SERVICES ALTCHEM ENVIRONMENTAL Anthony Cavallo, Dir. of Sales & Marketing, S.E. Division (888) 729-7762 3230 Seagrape Rd. Lantana, FL 33462 acavallo@demrex.com ELECTRIC CONTRACTORS EDWARDS ELECTRIC CORP. Kenneth L. Groves, President (561) 683-7066 7231 Southern Blvd., Suite C2 West Palm Beach, FL 33413 Fax: (561) 683-8115 www.edwardselectric.com GATOR ELECTRIC AND COMMUNICATIONS, INC. Bruce Riley, CEO (561) 641-8100 13170 69th St. N. West Palm Beach, FL 33412 Fax: (561) 641-8009 briley@gatorelectric.us

MJW ELECTRICAL, INC. Mack Watson, President (561) 747-5954 9960 Woodworth Ct. Wellington, FL 33414 Fax: (561) 791-3837 mjwelectrical@att.net www.mjwelectrical.net MR. ELECTRIC OF THE PALM BEACHES Arnold Weiss, President (561) 626-2260 5500 Military Trail, #22-252 Jupiter, FL 33458 Fax: (561) 743-0950 mrelectricpalmbeach@gmail.com www.mrelectric.com NORTHERN ELECTRICAL ENTERPRISES, INC. Mark Rydberg, President (561) 248-2111 P.O. Box 21048 West Palm Beach, FL 33416 Fax: (561) 683-6459 northernelectric@bellsouth.net POWER GENERATION, INC. Kathy Nugent, Vice President (561) 478-9234 346 Pike Rd., #13 West Palm Beach, FL 33411 Fax: (561) 689-4281 kathy@powergenerationinc.com www.powergenerationinc.com

VAN’S ELECTRIC Bruce Kemp, President (561) 588-3854 430 N. G St. Lake Worth, FL 33460 Fax: (561) 585-5574 cbruce@vans-electric.com www.vans-electric.com ELECTRIC EQUIPMENT & SUPPLIES DEALERS & WHOLESALE PENINSULAR ELECTRIC DISTRIBUTORS John Larmoyeux President (561) 832-1626 1301 Old Okeechobee Road West Palm Beach, FL 33401 Fax: (561) 832-7267 www.pedwpb.com ENGINEERS - CIVIL CHEN AND ASSOCIATES James Barton P.E. Senior Engineer (561) 746-6900 500 Australian Ave. S., Suite 615 West Palm Beach, FL 33401 Fax: (561) 746-8333 jbarton@chenandassociates.com www.chenandassociates.com

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REAL ESTATE GUIDE TO THE PALM BEACHES

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Buyer’sGUIDE EAST BAY GROUP, INC. Richard V. Reikenis, Principal (561) 296-4525 631 U.S. Highway One, Suite 400 North Palm Beach, FL 33408 Fax: (561) 296-4547 rreikenis@eastbaygroup.net www.eastbaygroup.net ENGINEERS - CONSULTING CAMP DRESSER & MCKEE INC. David Collins, Associate (561) 689-3336 1601 Belvedere Rd., Suite 211S West Palm Beach, FL 33406 Fax: (561) 689-9713 www.cdm.com JORDAN, JONES & GOULDING Bud Goblisch, Office Manager (561) 799-3855 3300 PGA Blvd., Suite 780 Palm Beach Gardens, FL 33410 Fax: (561) 799-6579 bud.goblisch@jjg.com www.jjg.com KARL CORPORATION Marcie Tinsley (561) 651-4140 500 S. Australian Ave., Suite 600 West Palm Beach, FL 33401 Fax: (561) 689-8380 www.karlcorp.com MATHEWS CONSULTING, INC. David L. Mathews Vice President (561) 655-6175 477 S. Rosemary Ave., Suite 330 West Palm Beach, FL 33401 Fax: (561) 655-6179 dmathews @mathewsconsultinginc.com www.mathewsconsultinginc.com MWH Becky Hachenburg Principal Engineer Location Manager (561) 650-0070 100 S. Dixie Highway, Suite 300 West Palm Beach, FL 33401 Fax: (561) 650-0074 www.mwhglobal.com PBS&J Ben Ward V.P. of Right-of-Way Division Manager (561) 689-7275 2056 Vista Parkway, Suite 100 West Palm Beach, FL 33411 Fax: (561) 689-3884 www.pbsj.com QUANTUM ENGINEERED ASSESSMENTS, LLC - QEA Tom Flynn, JD, MBA Managing Member (561) 309-7425 3001 PGA Blvd., Suite 203 Palm Beach Gardens, FL 33410 Fax: (800) 915-0236 tflynn@qeassociates.com www.qeassociates.com WANTMAN GROUP INC. David Wantman, President (561) 687-2220 2035 Vista Parkway, Suite 100 West Palm Beach, FL 33411 Fax: (561) 687-1110 www.wantmangroup.com

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ENGINEERS - PLANNERS & SURVEYORS DAL-TECH ENGINEERING, INC. Devyn Howell, P.E. Principal-In-Charge (214) 536-4879 3384 Greenway Dr. Jupiter, FL 33458 Fax: (972) 250-4774 dhowell@dal-tech.com www.DAL-TECH.com ENVIRONMENTAL CONSULTANTS GREENPATH TECHNOLOGIES Jeffrey Lintz Director of Engineering (561) 629-4910 JeffLL@RainTrapper.com www.greenPathTech.com FENCING SALES & INSTALLATION EAST COAST RAILING, INC. Chris Ernsting, President (561) 278-3610 1220 Tangelo Terrace #A-9 Delray Beach, FL 33444 Fax: (561) 278-3661 eastcoastrailings@yahoo.com www.eastcoastrailings.net FINANCIAL PLANNERS & CONSULTANTS EMPIRE FINANCIAL PLANNING Neill Aarons, President (561) 450-5252 13622 Crosspointe Dr. Palm Beach Gardens, FL 33418 neill@gorillaplan.com www.gorillaplan.com FINANCIAL PLANNING INVESTMENT GROUP INC. Louis J. Macloskey, President (561) 689-5724 1615 Forum Place, Suite 1A West Palm Beach, FL 33401 Fax: (561) 689-8558 louis@fpiginc.com www.fpiginc.com MERRILL LYNCH - BMR GROUP Diane J. Bain V.P., International Wealth Management Advisor (561) 775-8143 11770 U.S. Hwy. 1, Suite 501 Golden Bear Plaza North Palm Beach, FL 33408 Fax: (561) 459-4487 diane_bain@ml.com www.fa.ml.com/bmrgroup MORGAN STANLEY Jay Clifford, Financial Advisor (561) 822-4912 777 S. Flagler Dr., Suite 900 East West Palm Beach, FL 33401 Fax: (561) 822-4935 jay.clifford@mssb.com www.morgan.stanley.com/fl/ james.clifford

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NORTHWESTERN MUTUAL FINANCIAL NETWORK Howard Silver Financial Representative (561) 827-3315 4500 PGA Blvd., Suite 200 Palm Beach Gardens, FL 33418 Fax: (561) 348-2148 howard.silver@nmfn.com www.howard-silver.com

EDWARD JONES - JUPITER Debra Talarico Financial Advisor (561) 625-0220 4425 Military Trail, Suite 205 Greenway Professional Center Jupiter, FL 33458 Fax: (888) 768-2458 debra.talarico@edwardjones.com www.edwardjones.com

RUXKIRA INC. Berthram Samuel, President (305) 759-7270 912 N.E. 81st St. Miami, FL 33138 Fax: (305) 758-5463 globalbusiness@ruxkira.com www.ruxkira.com

FIDELITY INVESTMENTS LLC Tom Graney Branch Manager (800) 381-6185 Ext:59731 230 Royal Palm Way Palm Beach, FL 33480 Fax: (561) 838-5228 www.fidelity.com

FINANCIAL SERVICES A NOTE HOLDER’S SOLUTION, LLC Catherine Dionese, Owner (561) 641-3833 1543 Maypop Rd. West Palm Beach, FL 33415 cdionese@bellsouth.net www.anoteholderssolution.com AMERICAN CAPITAL PARTNERS, LTD. Frank Speight, President / CEO (561) 471-8992 1555 Palm Beach Lakes Blvd.

Suite 920 West Palm Beach, FL 33401 Fax: (561) 471-7191 frank@acpbdc.com www.acpbdc.com AMERICAN CREDIT BUREAU Peter Laurelli (561) 734-3999, Ext. 1404 1200 N. Federal Highway, Suite 200 Boca Raton, FL 33432 Fax: (800) 361-3888 jcritser@americancreditbureau.com www.americancreditbureau.com AXA ADVISORS, LLC Joe Lagriola, Senior Vice President (561) 961-9310 2255 Glades Rd., Suite 412E Boca Raton, FL 33431 Fax: (561) 997-7852 joe.lagriola@axa-advisors.com www.joelagriola.com CONSUMER DEBT HELP ASSOCIATION Timothy Cerruti, CEO (800) 301-1526 1300 N.W. 17th Ave., Suite 140 Delray Beach, FL 33445 Fax: (888) 391-0334 customerservice@cdhassoc.org www.cdhassoc.net

GOLD COAST FINANCIAL GROUP, LLC Kenneth J. Cunningham LUTCF, CLU (561) 644-8604 221 Via Condado Way Palm Beach Gardens, FL 33418 Fax: (561) 626-8247 INTEGRITY HOME FINANCIAL John Dalman, Owner (561) 635-0218 1920 Palm Beach Lakes Blvd.

Suite 217 West Palm Beach, FL 33409 johndalman@att.net www.integrityhomefinancialllc.com LOSS MITIGATION PROFESSIONALS, LLC Carlos Campana, Co-Owner (954) 732-9679 4698-A Forest Hill Blvd.

West Palm Beach, FL 33415 Fax: (561) 965-3612 ccampana@themitpros.com www.themitpros.com THE PRS GROUP AT MORGAN STANLEY Felitsa Kapsas (561) 394-8576 490 E. Palmetto Park Rd. Boca Raton, FL 33432 Fax: (561) 394-8660 felitsa.kapsas@ms.com PRUDENTIAL Michele L. Ortiz Operations & Controls Manager (561) 686-6900 560 Village Blvd., Suite 100 West Palm Beach, FL 33409 Fax: (561) 471-1152 michele.ortiz@prudential.com www.prudential.com

CREDIT SEMINARS OF AMERICA, LLC Blaine Kloeckner Vice Operating Member (561) 201-2985 10088 Daisy Ave. Palm Beach Gardens, FL 33410

UBS FINANCIAL SERVICES INC. Dennis Casey, Financial Advisor (561) 215-0927 3801 PGA Blvd., 10th Floor Palm Beach Gardens, FL 33410 Fax: (561) 624-6415 dennis.casey@ubs.com www.ubs.com

EDWARD JONES Thomas J. Brady, Financial Advisor (561) 776-0846 818 U.S. Highway 1, Suite 1 North Palm Beach, FL 33408 Fax: (877) 781-2294 tom.brady@edwardjones.com www.edwardjones.com

VALUERICH, INC. Joseph C. Visconti, CEO (561) 370-3616 1804 N. Dixie Highway, Suite A West Palm Beach, FL 33407 Fax: (561) 370-3603 joseph@ivaluerich.com www.ivaluerich.com

WACHOVIA SECURITIES, LLC Donna Larocco (561) 655-7170 251 Royal Palm Way, Suite 300 Palm Beach, FL 33480 Fax: (561) 655-0596 donna.j.larocco @wachoviasec.com

PALM BEACH COUNTY GOLF Bethany King, Manager (561) 629-8755 9191 Lantana Rd. Lake Worth, FL 33467 Fax: (561) 242-6974 blking@pbcgov.com www.pbcgolf.com

WEISS GROUP, LLC Tracey Butz, COO (561) 627-3300 15430 Endeavour Dr. Jupiter, FL 33478 Fax: (561) 627-1158 elancaster@weissinc.com www.moneyandmarkets.com

PALM BEACH NATIONAL GOLF & COUNTRY CLUB Peter Winter Dir. of Sales & Hospitality (561) 965-0044 7500 St. Andrews Rd. Lake Worth, FL 33467 Fax: (561) 967-0459 pbngolf@bellsouth.net www.palmbeachnational.com

FIRE & WATER DAMAGE RESTORATION SERVPRO OF WEST PALM BEACH Wayne Williams, President (561) 795-5410 9020 Bellhurst Way, Suite 109 West Palm Beach, FL 33411 Fax: (561) 795-2068 www.servpro.com FIRE PROTECTION SERVICES, EQUIPMENT & SUPPLIES ALL FIRE SERVICES Wendy Brasecker Jonathan Keller (800) 815-9436 2027 Sherman St. Hollywood, FL 33020 Fax: (305) 653-4380 wendy@allfire.net www.allfireservices.net FLOOR MATERIALS, LAYING, REFINISHING & RESURFACING MR. SANDLESS PB David Wenz, President (561) 712-9244 6139 Gun Club Rd. West Palm Beach, FL 33415 Fax: (561) 712-9244 palmbeach@mrsandless.com www.mrsandless.com FURNITURE MAINE COTTAGE David Petersen V.P. / General Manager (561) 366-0033 312 Clematis St. West Palm Beach, FL 33401 Fax: (561) 366-0049 gilda@mainecottage.com www.mainecottage.com GOLF COURSES - PUBLIC BINKS FOREST GOLF CLUB Greg Schroeder Director of Sales & Marketing (561) 333-5731 400 Binks Forest Dr. Wellington, FL 33414 Fax: (561) 333-5732 gschroeder@chrco.com www.binksforestgc.com

THE TOWN OF PALM BEACH PAR 3 GOLF COURSE Rick Dytrych, General Manager (561) 547-0598 2345 S. Ocean Blvd.

Palm Beach, FL 33480 par3@townofpalmbeach.com www.golfontheocean.com WEST PALM BEACH GOLF COURSE Rick Durham, Head Pro (561) 822-1591 7001 Parker Ave West Palm Beach, FL 33405-4564 Fax: (561) 588-9701 rdurham@wpb.org www.wpalmbeachgc.com GOLF ORGANIZATIONS GOLF LINKS OF FLORIDA Vicki Wilson, Owner (561) 622-5900 4300 S. US Hwy. 1, Suite 203-152 Jupiter, FL 33477 Fax: (561) 624-9082 info@golflinksofflorida.com www.golflinksofflorida.com THE PGA OF AMERICA Jamie Carbone Director of Public Relations (561) 624-8446 100 Ave. of the Champions Palm Beach Gardens, FL 33418 Fax: (561) 624-8448 jcarbone@pgahq.com www.pga.com

GOVERNMENT AGENCIES, ENTITIES, CONSULTANTS & ORGANIZATIONS THE STATE OF FLORIDA BUREAU OF REHABILITATION & REEMPLOYMENT SERVICES Gary Henderson Employment Security Representative (561) 837-5611 3111 S. Dixie Highway, Suite 243 West Palm Beach, FL 33405 Fax: (561) 837-5626 gary.henderson@vr.fldoe.org www.rehabworks.org CHILDREN’S SERVICES COUNCIL OF PALM BEACH COUNTY Marlene Passell Public Information Director (561) 374-7560 2300 High Ridge Rd. Boynton Beach, FL 33426 Fax: (561) 835-1956 marlene.passell@cscpbc.org www.cscpbc.org DEPARTMENT OF HOUSING & COMMUNITY DEVELOPMENT Jim Fackrell Director of Housing & Community Development (561) 822-1250 401 Clematis St., 3rd Floor West Palm Beach, FL 33401 Fax: (561) 822-1268 jfackrell@wpb.org www.wpb.org

FLORIDA HOUSE OF REPRESENTATIVES - DISTRICT 88 Mark Pafford State Representative (561) 682-0156 2240 Palm Beach Lakes Blvd.

Suite 102 West Palm Beach, FL 33409 Fax: (561) 682-0158 mark.pafford@myfloridahouse.gov www.myfloridahouse.gov FLORIDA HOUSE OF REPRESENTATIVES - DISTRICT 89 Mary Brandenburg Representative (561) 540-1157 305 Lake Ave. Lake Worth, FL 33460 Fax: (561) 540-1159 mary.brandenburg @myfloridahouse.gov www.myfloridahouse.gov HEALTH CARE DISTRICT OF PALM BEACH COUNTY Wes Ervin Public Affairs Specialist (561) 659-1270 Ext:5709 324 Datura St., Suite 401 West Palm Beach, FL 33401 Fax: (561) 835-7048 www.hcdpbc.org PALM BEACH COUNTY ADMINISTRATOR Shannon R. LaRocque Assist. County Administrator (561) 355-2034 301 N. Olive Ave., 11th Floor West Palm Beach, FL 33401 slarocqu@pbcgov.org www.pbcgov.org

DOWNTOWN DEVELOPMENT AUTHORITY Melissa Wohlust Executive Director (561) 833-8873 301 Clematis St., Suite 200 West Palm Beach, FL 33401 Fax: (561) 833-5870 mwohlust@westpalmbeachdda.com www.westpalmbeachdda.com

PALM BEACH COUNTY SUPERVISOR OF ELECTIONS Susan Bucher Supervisor of Elections (561) 656-6200 240 S. Military Trail West Palm Beach, FL 33415 Fax: (561) 656-6287 susanbusher@pbcelections.org www.pbcelections.org

EXECUTIVE OFFICE OF GOVERNOR CHARLIE CRIST Diego Echeverri Special Assistant to the Governor (954) 762-5388 111 E. Las Olas Blvd., Suite 1108 Fort Lauderdale, FL 33301 www.flgov.com

PBC BOARD OF COUNTY COMMISSIONER - DISTRICT #3 Commissioner Shelley Vana (561) 355-2203 301 N. Olive Ave., Suite 1201 West Palm Beach, FL 33401 Fax: (561) 355-6344 svana@pbcgov.org www.pbcgov.com

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27

Buyer’sGUIDE SMITH & BALLARD, INC. Amy J. Young, Consultant (561) 253-3232 505 S. Flagler Dr. , Suite 1450 West Palm Beach, FL 33401 Fax: (561) 253-3230 amy@smithballard.com SPECIAL DISTRICT ERVICES, INC. Peter L. Pimentel, President (561) 630-4922 2501A Burns Road Palm Beach Gardens, FL 33410 Fax: (561) 630-4923 ppimentel@sdsinc.org www.sdsinc.org CITY OF WEST PALM BEACH Ed Mitchell City Administrator (561) 822-1400 401 Clematis St. West Palm Beach, FL 33401 Fax: (561) 822-1424 edmitchell@wpb.org www.wpb.org WESTGATE-BELVEDERE HOMES COMMUNITY REDEVELOPMENT AGENCY Elizee Michel Executive Director (561) 233-3633 100 Australian Ave., Suite 410 West Palm Beach, FL 33406 Fax: (561) 233-3651 emichel@pbcgov.com www.westgatecra.org HARDWARE SEWELL HARDWARE CO. Chap Brown (561) 832-7171 1318 Mercer Ave. West Palm Beach, FL 33401 Fax: (561) 655-5248 webmaster@sewellhardware.com www.sewellhardware.com HOME AUTOMATION ETC Robert Ruderman (561) 635-6560 2921 Australian Ave. West Palm Beach, FL 33407 Fax: (561) 882-0110 robert@etc.fm www.etc.fm HOME FURNISHINGS GRACIE STREET INTERIOR DESIGN INC. Susan C. Elhilow Vice President (561) 832-1141 201 S. Narcissus Ave, Suite 1 West Palm Beach, FL 33401 Fax: (561) 832-0390 emailus@graciestreet.com www.graciestreet.com HOME IMPROVEMENTS HOUSE DOCTORS Tom Wila, Owner (561) 689-3954 5610 Dewberry Way West Palm Beach, FL 33415 Fax: (561) 689-3955 hd497@housedoctors.com www.housedoctors.com/ westpalmbeach

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LOWE’S OF WEST PALM BEACH Jeff Romano, Store Manager (561) 471-4828 4701 Okeechobee Blvd.

West Palm Beach, FL 33417 Fax: (561) 471-4832 jeff.j.romano@store.lowes.com www.lowes.com HOME INSPECTION SERVICE CHI - CERTIFIED HOME INSPECTIONS OF SOUTH FLORIDA

BY NATIONAL HOMES David Temel, Managing Partner (561) 304-3967 6383 10th Ave. North, Suite C Lake Worth, FL 33463 Fax: (561) 967-6355 nationalhomesfl@aol.com http://certified-homeinspection.com/index.html

CHESTERFIELD HOTEL Steve Wagmeister Director of Sales (561) 659-5800 363 Cocoanut Row Palm Beach, FL 33480 Fax: (561) 659-5668 chesterfieldpb1@aol.com www.chesterfieldpb.com THE COLONY HOTEL Ruth Young Director of Sales & Marketing (561) 655-5430 155 Hammon Ave. Palm Beach, FL 33480 Fax: (561) 832-7318 ruthyoung @thecolonypalmbeach.com www.thecolonypalmbeach.com

HOME SAFE SOUTH FLORIDA Joe Melbourne, Owner (561) 252-9148 728 Teal Way North Palm Beach, FL 33408 Fax: (561) 625-2694 hssf@bellsouth.net www.homesafesouthflorida.com

COMFORT INN & CONFERENCE CENTER Ms. Dana Wilson Corporate Sales Manager (561) 689-6100 1901 Palm Beach Lakes Blvd.

West Palm Beach, FL 33409 Fax: (561) 686-6177 dana.wilson@snbhotels.com www.choicehotels.com

SO. FLORIDA HOME INSPECTION ASSOCIATES, INC. Sydney Smidt, President (561) 818-5593 P.O. Box 1716 Hobe Sound, FL 33475 Fax: (772) 325-0204 sydney.smidt@gmail.com www.sfloridahomeinspection.com

COURTYARD BY MARRIOTT Andrea Ashman General Manager (561) 640-9000 600 Northpoint Parkway West Palm Beach, FL 33407 Fax: (561) 471-0122 andrea.ashman@marriott.com www.marriott.com/pbich

HOME SHOW THE PALM BEACH HOME SHOW, PROFESSIONAL SHOW MANAGEMENT INC. Shawn Carroll, Show Manager (954) 263-5716 1000 E. Atlantic Blvd., Suite 217 Pompano Beach, FL 33060 Fax: (954) 946-6202 scarroll@proshow-inc.com www.proshow-inc.com HOTELS BEST WESTERN PALM BEACH LAKES INN Rosalie Denkin Director of Sales & Marketing (561) 683-8810 1800 Palm Beach Lakes Blvd.

West Palm Beach, FL 33401 Fax: (561) 687-0013 rdenkin@dricmc.com www.bestwesternwestpalm.com THE BRAZILIAN COURT HOTEL & BEACH CLUB PALM BEACH Stacy Lee Director of Sales & Marketing (561) 655-7740 301 Australian Ave. Palm Beach, FL 33480 Fax: (561) 655-0801 info@braziliancourt.com www.thebraziliancourt.com

West Palm Beach Office - Palm Beach County Reach

DOUBLETREE PALM BEACH GARDENS Elaina Samec Senior Sales Manager (561) 776-2920 4431 PGA Blvd.

Palm Beach Gardens, FL 33410 Fax: (561) 776-2945 elaina.samec@hilton.com www.DoubletreePalmBeachGard ens.com FOUR SEASONS RESORT PALM BEACH Alan Reichbart Director of Marketing (561) 582-2800 2800 S. Ocean Blvd.

Palm Beach, FL 33480 Fax: (561) 547-1557 alan.reichbart@fourseasons.com www.fourseasons.com/palmbeach HAWTHORN SUITES

BY WYNDHAM Eric Eitner Director Sales & Marketing (561) 472-7006 301 Lamberton Dr. West Palm Beach, FL 33401 Fax: (561) 472-7008 eeitner@dricme.com www.hawthornwpb.com HILTON PALM BEACH AIRPORT Ali Etemadi Director of Sales & Marketing (561) 684-9400 150 Australian Ave. West Palm Beach, FL 33406 Fax: (561) 689-0218 ali.etemadi@hilton.com www.palmbeachairport.hilton.com

HILTON SINGER ISLAND OCEANFRONT RESORT Katherine Saad Director of Sales & Marketing (561) 848-3888 3700 N. Ocean Dr. Singer Island, FL 33404 Fax: (561) 848-4299 katherine.saad@hilton.com www.hiltonsingerisland.com HOLIDAY INN & CONFERNECE CENTER Lori Switzer, Director of Sales (561) 659-3880 1301 Belvedere Rd. West Palm Beach, FL 33405 Fax: (561) 833-9218 info@hiwestpalmbeach.com www.hiwestpalmbeach.com HOMEWOOD SUITES BY HILTON WEST PALM BEACH Densie Brockington General Manager (561) 682-9188 2455 Metrocentre Blvd. E. West Palm Beach, FL 33407 Fax: (561) 682-9189 denise.brockington@hilton.com www.westpalmbeach. homewoodsuites.com HYATT PLACE WEST PALM BEACH DOWNTOWN James Hansen, Director of Sales (561) 655-1454 295 Lakeview Ave. West Palm Beach, FL 33401 Fax: (561) 835-4122 james.hansen@hyattselect.com www.hyattplacewest palmbeach.com LA QUINTA INN & SUITES Theresa Stark, General Manager (561) 575-7201 34 Fisherman’s Wharf Jupiter, FL 33477-5060 Fax: (561) 575-1169 lq6109gm@laquinta.com www.lq.com THE OMPHOY OCEAN RESORT Heather Hallenbeck Senior Sales Manager (561) 540-6440 2842 S. Ocean Blvd.

Palm Beach, FL 33480 Fax: (561) 659-5317 info@omphoyoceanresort.com www.omphoy.com PALM BEACH GARDENS MARRIOTT Elena Peroulakis Director of Sales (561) 622-8888 4000 RCA Blvd.

Palm Beach Gardens, FL 33410 Fax: (561) 624-4057 elena.peroulakis@marriott.com www.marriott.com/pbipg PALM BEACH MARRIOTT SINGER ISLAND BEACH RESORT & SPA Kyle Hamill Director of Sales & Marketing (561) 340-1700 3800 N. Ocean Dr. Singer Island, FL 33404 Fax: (561) 340-1725 kyle.hamill@marriottpb.com www.marriott.com/pbisg

PORTSIDE ON THE INLET Gayle Ameche (800) 730-2156 206 Inlet Way Palm Beach Shores, FL 33404 Fax: (561) 842-3521 portside1@bellsouth.net www.portsideontheinlet.com RED ROOF INNS Raul Marchinares General Manager (561) 697-7710 2421 Metrocentre Blvd. E. West Palm Beach, FL 33407 Fax: (561) 697-1728 i0227@redroof.com www.redroof.com RESIDENCE INN BY MARRIOTT Eddie Calderon Sales Manager (561) 687-4747 2461 Metrocentre Blvd.

West Palm Beach, FL 33407 Fax: (561) 697-3633 www.marriott.com/pbipb SPRINGHILL SUITES WEST PALM BEACH Denise Brockington General Manager (561) 689-6814 2437 Metrocentre Blvd. E. West Palm Beach, FL 33407 Fax: (561) 689-6815 denise.brockington @otodevelopment.com www.shswestpalmbeachhotel.com WEST PALM BEACH MARRIOTT Jeri Ann Hart Director of Sales & Marketing (561) 833-1234 1001 Okeechobee Blvd West Palm Beach, FL 33401 Fax: (561) 833-1255 jeriann.hart@marriott.com www.westpalmbeachmarriott.com HOUSING WEST PALM BEACH HOUSING AUTHORITY Laurel Robinson Executive Director (561) 655-8530 1715 Division Ave. West Palm Beach, FL 33407 Fax: (561) 832-8962 lrobinson@wpbha.org www.wpha.org HURRICANE PREPARATION & PROTECTION CAT 5 SHUTTERS, LLC Joel Wieder, President (561) 333-2285 1000 Stinson Way, #105 West Palm Beach, FL 33411 Fax: (561) 333-6674 joelwieder@bellsouth.net www.cat5shutters.net FOLDING SHUTTER CORPORATION Gary M. Hemstreet, President (561) 683-4811 7089 Hemstreet Place West Palm Beach, FL 33413 Fax: (561) 640-8204 sales@foldingshutters.com www.foldingshutters.com

COMBINED INSURANCE Felix Dunn, Agent (561) 449-1168 4329 Parkside Dr. Jupiter, FL 33458 www.combinedinsurance.com

HURRICANE SCREENS & SECURITY, INC. Marla R. Guthrie Vice President/Owner (561) 296-2767 1100 25th St., Unit 7A West Palm Beach, FL 33407 Fax: (561) 296-2824 fortproducts@msn.com www.stormscreen.net

ELITE FLORIDA INSURANCE, INC. Michael S. Horowitz CIC, CRM, LUTCF, President (561) 845-0909 4512 N. Flagler Dr, Suite 304 West Palm Beach, FL 33407 Fax: (561) 845-0709 msh@elitefloridainsurance.com www.elitefloridainsurance.com

SUNSHINE ALUMINUM SPECIALTIES INC. Robert Jarriel (561) 842-3643 PO Box 16245 West Palm Beach, FL 33416 Fax: (561) 881-8004 inc6767@bellsouth.net www.sunshinealuminum.com INSURANCE AAA - AUTO CLUB SOUTH - PALM BEACH GARDENS Kathleen Elek, Insurance Manager (561) 694-9090 Ext:240 9123 N. Military Trail, Suite 110 Palm Beach Gardens, FL 33410 Fax: (561) 775-3412 kelek@aaasouth.com www.aaa.com ADCAHB MEDICAL COVERAGES Robyn Sand Health and Life Insurance Agent (561) 676-8424 6650 Indiantown Rd. Jupiter, FL 33458 Fax: (561) 828-7879 rsand@adcahb.com www.robynsand.com AFLAC Chad Baran, Agent (561) 601-0068 9650 Wolcott Place Wellington, FL 33414 chad.baran@us.aflac.com ALLSTATE INSURANCE CO. Rick Platz, LUTCF (561) 684-8801 8480 Okeechobee Blvd, Suite 6 West Palm Beach, FL 33411 Fax: (561) 684-1181 rickplatz@allstate.com www.allstateagencies.com/ rickplatz/welcome

EMPIRE FINANCIAL PLANNING Neill Aarons, President (561) 450-5252 13622 Crosspointe Dr. Palm Beach Gardens, FL 33418 neill@gorillaplan.com www.gorillaplan.com EMPLOYERS MUTUAL, INC. Kevin Cothron Executive Vice President (772) 287-7650 Ext:4470 700 Central Parkway Stuart, FL 34994 Fax: (772) 283-6414 kevin.cothron@emi-tpa.com www.emi-tpa.com HEALTH INSURANCE LINKED, LLC Stefan Fatseas, President (561) 801-1070 7700 Pine Island Way West Palm Beach, FL 33411 Fax: (561) 683-3866 stefan@healthinsurancelinked.com www.healthinsurancelinked.com HUMANA MARKETPOINT Cris Perry, Sales Director (561) 682-1127 2056 Vista Parkway, Suite 150 West Palm Beach, FL 33411 Fax: (561) 682-9008 dpacouloute@humana.com www.humana.com INSURANCE OFFICE OF AMERICA Ray Dorsey, Vice President (561) 721-3751 1200 University Blvd., Suite 200 Jupiter, FL 33458 Fax: (561) 776-0670 ray.dorsey@ioausa.com www.ioausa.com

INSURANCE WORLD - DEBORAH ANN COSTELLO LLC Deborah A. Costello - Dobry President (561) 686-7283 2712 Okeechobee Blvd.

West Palm Beach, FL 33409 Fax: (561) 686-2169 ddobry@aol.com www.dobryinsurance.com MASSEY CLARK FISCHER INC. Eric Fischer Executive Vica President (561) 478-1660 400 Executive Center Dr. #205 West Palm Beach, FL 33401-2922 Fax: (561) 478-6876 eric@masseyclarkfischer.com www.masseyclarkfischer.com NEW YORK LIFE INSURANCE COMPANY David G. Drucker, Agent (561) 251-0181 1300 Concord Terrace, 5th Floor Sunrise, FL 33323 Fax: (954) 491-2101 ddrucker@ft.newyorklife.com www.davedrucker.nylagents.com NORTHWESTERN MUTUAL FINANCIAL NETWORK Howard Silver Financial Representative (561) 827-3315 4500 PGA Blvd., Suite 200 Palm Beach Gardens, FL 33418 Fax: (561) 348-2148 howard.silver@nmfn.com www.howard-silver.com NORTHWESTERN MUTUAL FINANCIAL NETWORK Peter J. Nathan, CLU (561) 630-6300 4500 PGA Blvd., Suite 200 Palm Beach Gardens, FL 33418 Fax: (561) 624-6363 peter.nathan@nmfn.com www.nmfn.com/peternathan NORTHWESTERN MUTUAL FINANCIAL NETWORK Rich Miller Financial Representative (561) 630-6300 4500 PGA Blvd., Suite 200 Palm Beach Gardens, FL 33418 Fax: (561) 624-6363 rich.miller@nmfn.com www.nmfn.com/richmiller

CHI-CERTIFIED HOME INSPECTIONS Protecting Peace of Mind

Our inspections services include: • Foundation • Roof and Attic • Electrical System and Fixtures • Heating and Cooling Systems • Exterior Surfaces • Plumbing System/Water Heater • Gutters and Drains • Flooring and Walls • Porches and Decks • Windows and Doors • Garage • Landscaping

(561) 304-3967

www.certified-home-inspection.com • nationalhomesfl@aol.com REAL ESTATE GUIDE TO THE PALM BEACHES

29

Buyer’sGUIDE PLASTRIDGE AGENCY Karen Bottcher Office Manager (561) 630-4955 10337 N. Military Trail Palm Beach Gardens, FL 33410 Fax: (561) 630-4966 palmbeachdocs@plastridge.com www.plastridgeinsurance.com

WEEKES & CALLAWAY, INC. Rose McEwen, CIC Senior V. P. / Producer (561) 278-0448 3945 W. Atlantic Ave. Delray Beach, FL 33445-3902 Fax: (561) 278-2391 rmcewen@weekescallaway.com www.weekescallaway.com

PRIMERICA FINANCIAL SERVICES Domenic Buonanno (561) 681-9409 5114 Okeechobee Blvd., Suite 209 West Palm Beach, FL 33417-4503 Fax: (561) 214-4713 domenicbuonanno@msn.com www.primerica.com/buonanno

WELLS FARGO INSURANCE SERVICES USA INC. Sam Ellington, Managing Director (561) 655-5500 2054 Vista Pkwy., Suite 400 West Palm Beach, FL 33411 Fax: (561) 655-5509 www.wellsfargo.com/wfis

PRIMERICA FINANCIAL SERVICES Steve McKillican Regional Vice President (561) 383-6590 222 Professional Way, Suite 2 Wellington, FL 33414 Fax: (561) 383-6690

INSURANCE - ADJUSTER

RWG BROKERAGE CORP. Roy Guttman, President (561) 784-2994 1108 Sand Drift Way West Palm Beach, FL 33411 Fax: (561) 784-2055 roy@rwgins.com www.rwgins.com SLATON INSURANCE James L. Breedlove, CEO (561) 683-8383 5713 Corporate Way West Palm Beach, FL 33407 Fax: (561) 684-5995 lbreedlove@slatoninsurance.com www.slatoninsurance.com SPECIAL RISK CONSULTANTS Fred Tolchinsky, Principal (561) 214-4827 10279 N. Circle Lake Dr., #201 Boynton Beach, FL 33437 fred@specialriskconsultants.com www.specialriskconsultants.com TEQUESTA INSURANCE Liz Griffin, Account Executive (561) 746-4546 218 S. U.S. Highway 1, Suite 300 Tequesta, FL 33469 Fax: (561) 746-9599 lgriffin@tequestaagency.com www.tequestaagency.com

(PUBLIC) CLAIM ELEMENTS CONSULTANTS, INC. Luis Torres, Public Adjuster (954) 309-5715 14649 85th Road N. Loxahatchee, FL 33470 Fax: (561) 514-1335 luistorres661@comcast.net FIVE STAR CLAIMS ADJUSTING Cary Kingsberg Sales Manager (866) 976-5677 2328 10th Ave. N., Suite 104 Lake Worth, FL 33461 Fax: (561) 588-9140 www.fivestarclaimsadjusting.com MORDECAI CLAIM SERVICE Paul Hande-han, President (561) 704-0428 7950 S. Military Trail, Suite 204 Lake Worth, FL 33467 Fax: (561) 967-3791 pjh@claimprotection.com www.claimprotection.com INSURANCE - BUSINESS & COMMERCIAL CAMACHO AND NICHOLSON INSURANCE, INC. Beatriz Medina Marketing Director (561) 829-8442 4545 Forest Hill Blvd., Suite 10 West Palm Beach, FL 33415 info@insurancecoveragenow.org www.insurancecoveragenow.org

Janitorial Services meeting your needs, exceeding your expectations

(561) 844-8778 30

www.PALMBEACHES.org

INTERIOR DECORATORS’ & DESIGNERS’ SUPPLIES WHOLESALE MAJESTIC FLOORS & INTERIORS, INC. Dominic DiMaio, Vice President (561) 881-8660 440 Northlake Blvd.

North Palm Beach, FL 33408 Fax: (561) 881-8698 magicfloors@aol.com INTERIOR DESIGNERS CAWTHRA INTERIORS Sherry Cawthra, President (561) 744-7800 6080 Eagles Nest Dr. Jupiter, FL 33458 Fax: (561) 746-5105 sherry@cawthrainteriors.com www.cawthrainteriors.com CONLEY DESIGN STUDIO Leesa Conley, ASID Creative Director (561) 655-9887 1551 N. Flagler Dr., Suite 1003 West Palm Beach, FL 33401 lc@conleydes.com www.conleydes.com GRACIE STREET INTERIOR DESIGN INC. Susan C. Elhilow Vice President (561) 832-1141 201 S. Narcissus Ave, Suite 1 West Palm Beach, FL 33401 Fax: (561) 832-0390 emailus@graciestreet.com www.graciestreet.com HEALTH CARE INTERIORS

BY THE FINISHING TOUCH DECORATING, INC. Karen Davis (561) 371-4085 12 Cambria Rd. Palm Beach Gardens, FL 33418 Fax: (561) 624-0571 KDdecorator@aol.com PRESSLY DESIGNS Page Pressly Licensed Interior Designer/Owner (561) 386-1726 7312 Washington Rd. West Palm Beach, FL 33405

Janitorial Services Carpet Care Construction Cleaning Janitorial Training Floor Cleaning Window Cleaning Wall Washing Pressure Cleaning Consulting Services Floor Restoration Water Damage Restoration Emergency Services Lighting Maintenance Paper Products & Restroom Supplies

STUDIO C Rachel Sawyer Clements Principal Designer / Owner (561) 628-5810 P.O. Box 124 West Palm Beach, FL 33402 rsc@studioc-designs.com www.studioc-designs.com JANITOR SERVICE AK BUILDING SERVICES Robert Donnelly, V. P. Operations (404) 502-9683 6742 Forest Hill Blvd. #284 West Palm Beach, FL 33413 bdonnelly@akbuildingservices.net www.akbuildingservices.net COVERALL HEALTH-BASED CLEANING SYSTEM Dawn Woodward New Business Development (561) 732-3100 Ext:241 2541 Metrocentre Blvd., Suite 1 West Palm Beach, FL 33407 Fax: (561) 375-8700 dawn.woodward@coverall.com www.coverall.com IMAGE JANITORIAL SERVICES, INC. Tim Wilson, President (561) 844-8778 814 14th St. Lake Park, FL 33403 Fax: (561) 844-8986 timw@imagecompanies.com www.imagecompanies.com JANITORIAL SUPPLIES & CHEMICALS BRILLIANT INDUSTRIAL & JANITORIAL SUPPLY CORP. Maria Albertorio, Vice President (561) 939-6296 725 SW 16th Ave. #4 Delray Beach, FL 33444 Fax: (561) 807-7903 info@brilliantsupply.com www.brilliantsupply.com LAND PLANNERS TEAM 8 & MAJOR PLANNING LLC Aimee Craig Carlson, Partner (561) 436-8539 2377 Crawford Ct. Lantana, FL 33462 Fax: (561) 433-0874 aimee@major-planning.com www.team-eight.com LANDSCAPE ARCHITECTS URBAN DESIGN KILDAY STUDIOS Ken Tuma, Managing Principal (561) 366-1100 477 S. Rosemary, Suite 225 West Palm Beach, FL 33401 Fax: (561) 366-1111 ktuma@udkstudios.com www.udkstudios.com LANDSCAPING BOYNTON LANDSCAPE CO., INC. Robert R. Horner, Owner/President (561) 655-5900 P O Box 2348 Palm Beach, FL 33480 Fax: (561) 655-5904 blcinc@bellsouth.net www.boyntonlandscape.com

CLINTAR LANDSCAPE MANAGEMENT SERVICES Shane Humble, Vice President (561) 687-9785 1456-B Skees Rd. West Palm Beach, FL 33411 Fax: (561) 793-1781 shaneh@clintar.com www.clintar.com FRITZ LANDSCAPE SERVICES INC. Michael R. Fritz, Owner (561) 723-5663 7336 Pine Tree Lane Lake Clarke Shores, FL 33406 Fax: (561) 588-6403 mchfri@aol.com PALM BEACH LAWN, INC. John Kelleher, President (561) 357-9024 7576 Cedar Hurst Ct. Lake Worth, FL 33467 Fax: (561) 721-9480 www.palmbeachlawn.com VILA & SON LANDSCAPING CORPORATION Tom Spino, Business Development (561) 795-3070 1686 D Road Loxahatchee, FL 33408 Fax: (561) 795-3879 toms@vila-n-son.com www.vila-n-son.com LIMOUSINE SERVICE ATM TRANSPORTATION Molly Parsons-Alfonso, President (561) 967-7590 P. O. Box 20091 West Palm Beach, FL 33416 Fax: (561) 964-5623 atmtransport@bellsouth.net PALM BEACH TOURS & TRANSPORTATION INC. John Critchett, President (561) 655-5515 5900 Georgia Ave West Palm Beach, FL 33405 Fax: (561) 655-6626 info@pbtt.com www.pbtt.com LINENS & LINEN SERVICES PIONEER LINENS Penny Murphy (561) 655-8553 210 Clematis St. West Palm Beach, FL 33401 Fax: (561) 655-8889 contact@pioneerlinens.com www.pioneerlinens.com SOVEREIGN SILK Jim Dempsey, Owner (561) 578-2028 10280 Terra Lago Dr. West Palm Beach, FL 33412 Fax: (561) 627-9029 jimdempsey@sovereignsilk.com www.sovereignsilk.com

Free events held every month

LOANS

PLATINUM FINANCIAL FUNDING Scott Pasolli Business Development (561) 296-4543 631 US Hwy. One, Suite 400 North Palm Beach, FL 33408 Fax: (561) 296-4547 scottp@plattfund.com www.platfund.com

MARBLE & GRANITE

THE BUSINESS LOAN FUND OF THE PALM BEACHES, INC Kate Wesner Director of Community Affairs (561) 478-2337 2200 N. Florida Mango Rd. Suite 401 West Palm Beach, FL 33409 Fax: (561) 478-2339 kate@businessloanfundpbc.org www.blfpbc.org FLORIDA BUSINESS DEVELOPMENT CORP. Emmanuel J. Manos, President (561) 433-0233 6801 Lake Worth Rd., Suite 209 Lake Worth, FL 33467 Fax: (561) 433-8545 manny@fbdc.net www.fbdc.net LOSS MITIGATION PROFESSIONALS, LLC Carlos Campana, Co-Owner (954) 732-9679 4698-A Forest Hill Blvd.

West Palm Beach, FL 33415 Fax: (561) 965-3612 ccampana@themitpros.com www.themitpros.com

ARC STONE & TILE Michael F. Coiro, President (561) 478-8805 3114 Tuxedo Ave. West Palm Beach, FL 33405 Fax: (561) 478-8896 trade@arcstonegranite.com www.arcstonegranite.com

VAN DYK MORTGAGE CORP. Adam Dublet, Branch Manager (866) 687-7272 6685 Forest Hill Blvd., Suite 210 Greenacres, FL 33413 Fax: (877) 676-3903 adublet@vandyk-direct.com www.vandyk-direct.com

MORTGAGES EMPIRE FINANCIAL PLANNING Neill Aarons, President (561) 450-5252 13622 Crosspointe Dr. Palm Beach Gardens, FL 33418 neill@gorillaplan.com www.gorillaplan.com MANHATTAN MORTGAGE CORPORATION David I. Rosen, Mortgage Advisor (516) 551-3436 4227 Imperial Club Lane Wellington, FL 33449 Fax: (561) 969-7010 drosen1938@comcast.net www.mmcagents.com NETWORK FUNDING LP Steve Bilbo, Branch Manager (561) 309-7416 2101 Vista Parkway, Suite 250 West Palm Beach, FL 33411 steve.bilbo@nflp.com www.networkfundingflorida.com

WELLS FARGO HOME MORTGAGE Delores Moore Home Mortgage Consultant (561) 827-6670 1400 Centrepark Blvd., Suite 601 West Palm Beach, FL 33401 Fax: (866) 552-3226 delores.moore@wellsfargo.com WELLS FARGO HOME MORTGAGE Judy K. Myers Home Loan Consultant (561) 616-2652 1400 Centrepark Blvd., Suite 601 West Palm Beach, FL 33401 Fax: (866) 495-2915 judy.k.myers@wellsfargo.com www.wellsfargo.com

serving the marble and granite industry

ARC STONE & TILE

Value.

Selection.

Service

3114 Tuxedo Avenue West Palm Beach, FL 33405 Phone: 561-478-8805 Toll Free: 1-877-263-5596 Fax: 561-478-8896 E-mail: Trade@arcstonegranite.com www.arcstonegranite.com NJ/NY 800-531-5311 REAL ESTATE GUIDE TO THE PALM BEACHES

31

Buyer’sGUIDE MOVERS & MOVING SUPPLIES ARNOFF MOVING & STORAGE Daniel A. Arnoff Sales / Business Development (561) 531-0832 410 Evernia St. West Palm Beach, FL 33401 Fax: (772) 468-5959 dan@arnoff.com www.arnofffla.com BOHREN’S MOVING & STORAGE Steven N. Hagadorn, Sr. (561) 686-1200 2951 Electronics Way West Palm Beach, FL 33407 Fax: (561) 686-1743 wpb@bohrensmoving.com www.bohrensmoving.com

SUDDATH RELOCATION SYSTEMS Bruce L. Smith National Account Manager (800) 999-5466 1900 SW 43rd Terrace Deerfield Beach, FL 33442 Fax: (954) 596-4015 www.suddathrelocation.com WILLIE’S TRANSFER & STORAGE Kathy Long, President (561) 848-2503 1320 53rd Street West Palm Beach, FL 33407 Fax: (561) 863-6926 williesinc@bellsouth.net www.williestransfer.com

SOUTH FLORIDA HOSPITAL NEWS, LLC Charles Felix Publisher/Owner (561) 368-6950 P.O. Box 812708 Boca Raton, FL 33481-2708 Fax: (561) 368-6978 charles@southflorida hospitalnews.com www.hospitalnews.org

OFFICE EQUIPMENT MILNER DOCUMENT PRODUCTS, INC. Brett Aks South Florida Branch Manager (561) 713-1741 2253 Vista Parkway, Suite 8 West Palm Beach, FL 33411 Fax: (561) 713-1772 www.milner.com OFFICE FURNISHINGS

OFFICE BUILDINGS - LEASING

NEWSPAPERS

BROWN MOVING & STORAGE INC. Ian F. Brown, President (561) 686-1400 1900 Old Okeechobee Rd. West Palm Beach, FL 33409 Fax: (561) 684-4596 www.brownmoving.com

PALM BEACH DAILY NEWS Linda Goings, Advertising Director (561) 820-3820 265 Royal Poinciana Way Palm Beach, FL 33480 Fax: (561) 655-4589 lgoings@pbdailynews.com www.palmbeachdailynews.com

PODS (PORTABLE ON DEMAND STORAGE) Ernie Kassoff, V.P. of Sales (727) 460-0022 5479 Leeper Dr. West Palm Beach, FL 33407 Fax: (863) 646-7169 ekassoff@podscustomercare.com www.pods.com/palm-beach.aspx

THE PALM BEACH POST David Israel Director-Branding & Marketing (561) 820-4929 2751 S Dixie Highway West Palm Beach, FL 33405 Fax: (561) 837-8436 disreal@pbpost.com www.palmbeachpost.com

THE CREXENT BUSINESS CENTERS Jennifer Wyman Center Sales Manager (561) 623-5463 2101 Vista Parkway West Palm Beach, FL 33411 Fax: (561) 623-5465 jwyman@thecrexent.com www.thecrexent.com THE CREXENT, LLC Carye Farrell Center Sales Manager (561) 296-7751 601 Heritage Dr. Jupiter, FL 33458 Fax: (561) 656-2377 cfarrell@thecrexent.com www.thecrexent.com

HALSEY & GRIFFITH James Siemon (561) 820-8000 313 Datura St. West Palm Beach, FL 33401 Fax: (561) 820-8026 halseygriffith@att.net www.halseygriffith.com PALM BEACH CONTRACT FURNITURE, INC. Al Paglia, President/Owner (561) 793-6789 11586 Pierson Rd., Bldg. L-11 Wellington, FL 33414-5930 Fax: (561) 792-3587 info@pbcfi.com www.pbcfi.com

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Providing moving excellence since 1944 Serving South Florida With Over 60 Years Experience Local & Long Distance Moves Trust your belongings to us:

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f u

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OFFICE SUPPLIES HALSEY & GRIFFITH James Siemon (561) 820-8000 313 Datura St. West Palm Beach, FL 33401 Fax: (561) 820-8026 halseygriffith@att.net www.halseygriffith.com HALSEY & GRIFFITH OFFICE SOLUTIONS Michelle Martin, Account Mngr.

(561) 820-8076 1335 Okeechobee Rd., Suite 1100 West Palm Beach, FL 33401 Fax: (561) 820-8078 www.halsey-griffith.com OFFICE DEPOT STORE #102 Ray Gabbard, Store Manager (561) 687-2600 6600 N. Military Trail Boca Raton, FL 33496 Fax: (561) 640-4359 ods00102@officedepot.com www.officedepot.com OFFICE DEPOT STORE #2727 Don Calderone, Store Manager (561) 575-2753 75 E. Indiantown Rd. Jupiter, FL 33477 ods02727@officedepot.com www.officedepot.com

DR. BUGGS EXTERMINATORS, INC. Kirphton Fray Certified Pest Control Operator (954) 297-5425 777 Riverside Dr. Coral Springs, FL 33071 Fax: (954) 757-3834 doctorbuggs@yahoo.com GREEN PLUS SOUTH Bill Cipriani, Business Development (561) 722-1030 549 Walker Ave. Greenacres, FL 33463 greenplussouth@gmail.com

GUARANTEE FLORIDIAN PEST CONTROL David Moreau, Branch Manager (561) 533-3833 2115 Lake Worth Road Lake Worth, FL 33461 Fax: (561) 547-9676 dmoreau@guaranteepest.com www.guaranteepest.com

GULFSTREAM TERMITE & ENVIRONMENTAL SERVICES, LLC Jeff Freebold, President (561) 615-1223 9020 Bellhurst Way #103 West Palm Beach, FL 33411 Fax: (561) 615-1225 info@gulfstreambugs.com www.gulfstreambugs.com

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SUPPLIES CITY Matt Lucas, Owner (270) 993-4960 2875 Trails Way Owensboro, KY 42303 orders@suppliescity.com www.suppliescity.com TYLANDER’S OFFICE SOLUTIONS Gigi Tylander, Owner (561) 833-7997 535 24th St. West Palm Beach, FL 33407 Fax: (561) 833-8010 gigi@tylander.com www.tylander.com

Executive Suites Available from $495/mo.

PAINTING - CONTRACTORS BBS INDUSTRIES, INC. Bill Shields, President (561) 254-1099 301 Clematis St., Suite 3000 West Palm Beach, FL 33401 Fax: (561) 733-1898 expat_billy@yahoo.com www.bbsindustries.net IRA WALDEN & SONS INC. Herman Coleman, President (561) 585-9211 6212 Georgia Ave. West Palm Beach, FL 33405 Fax: (561) 582-5685 IraWalden@aol.com www.IraWalden.com

WITH VIRTUAL VIRTUAL OFFICES OFFICES STARTING STTAR ARTING AT AT $89, IT’S LIKE LIKE OFFICE OFFICE A LA CARTE. CARTE.

877.886.1400 87 77 7..886.1400 www.thecrexent.com ww ww.thecrexent.com

PEST MANAGEMENT SERVICES BEACH ENVIRONMENTAL EXTERMINATING Gregg Daniel, Sales Manager (561) 841-0077 5490 Dexter Way Magonia Park, FL 33407 Fax: (561) 841-0070 gregg@beachenvironmental.com www.theantguys.com

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Buyer’sGUIDE HULETT ENVIRONMENTAL SERVICES Steve Ryland Corporate Sales Manager (561) 686-7171 7670 Okeechobee Blvd West Palm Beach, FL 33411 Fax: (561) 682-3737 steve@bugs.com www.bugs.com NORDIC PEST CONTROL PLUS, INC. Chris Chardt / Marty Mannion (561) 432-2533 PO Box 542603 Lake Worth, FL 33454 Fax: (561) 776-7274 nordicpc@bellsouth.net www.nordicpestcontrolplus.com NOZZLE NOLEN PEST SOLUTIONS Mickey Nolen, President (561) 844-3544 5400 Broadway West Palm Beach, FL 33407 Fax: (561) 842-0031 www.nozzlenolen.com ORKIN PEST CONTROL COMMERCIAL Tammy Emerson Senior Account Manager (954) 224-7029 1510 Latham Road #1 West Palm Beach, FL 33409 Fax: (561) 688-2317 www.orkin.com TOMASELLO PEST CONTROL, INC. Charles R. Doll, President (561) 585-2551 5311 Georgia Ave. West Palm Beach, FL 33405 Fax: (561) 585-3828 tomasellopest@bellsouth.net www.tomasellopestcontrol.com PLANTS - INTERIOR DESIGN & MAINTENANCE FOLIAGE DESIGN SYSTEMS OF PALM BEACH Robin Gianantonio-Blakeman President (561) 784-5040 17071 93rd Rd. North West Palm Beach, FL 33470 fdspalmbeach@bellsouth.net www.foliagedesign.com

PLUMBING CONTRACTORS ACCEL PLUMBING INC. Randy M. Himmelheber President/CEO (561) 582-4004 1847 Aragon Ave #3 Lake Worth, FL 33461 Fax: (561) 547-0409 accelplumb@bellsouth.net PLUMBING CONTRACTORS ALL QUALITY PLUMBING INC. James Woolfe, President (561) 512-2828 6206 Barbara St. Jupiter, FL 33458 Fax: (561) 743-7796 allqualityplumbing@gmail.com www.allqualityplumbinginc.com GENERAL PLUMBING INC. Douglas W. Santoro, President (561) 585-2591 5519 Georgia Ave. West Palm Beach, FL 33405 Fax: (561) 582-0082 doug@generalplumbing.com www.generalplumbing.com MR. ROOTER PLUMBING PB COMMANDER Jon Commander, President (561) 727-3200 1622-A Donna Rd. West Palm Beach, FL 33409 Fax: (561) 932-0636 mrrooterpb@aol.com www.mrrooterpb.com PLUMBING DRAINS & SEWER CLEANING A PLUS ROOTER SEWER & DRAIN SERVICE Michael Pressley, President (561) 244-8756 5572 Azalea Cir. West Palm Beach, FL 33415 Fax: (561) 210-7528 bobby@aprplumbing.com PROPERTY DAMAGE SERVICES ATTORNEY P.D. SERVICES, INC. Xavier Hawk, Vice President (561) 503-3699 16244 Military Trail #310 Delray Beach, FL 33484 info@attorneypdservices.com www.attorneypdservices.com

PROPERTY MANAGEMENT CAPITAL REALTY ADVISORS, INC. Donna McDonald, President (561) 624-5888 600 Sandtree Dr., Suite 109 Palm Beach Gardens, FL 33403 Fax: (561) 624-5827 dmcdonald @capitalrealtyadvisors.com www.capitalrealtyadvisors.com COLONNADE PROPERTIES OWNER/MANAGER OF PHILLIPS POINT Hal Friedman, Manager (561) 833-7337 777 S. Flagler Dr., Suite 1205E West Palm Beach, FL 33401 Fax: (561) 832-2726 hfriedman @colonnadeproperties.com www.colonnadeproperties.com THE CONTINENTAL GROUP, INC. Gary Pyott Regional President - Palm Beach (561) 989-5086 6300 Park of Commerce Blvd.

Boca Raton, FL 33487 Fax: (561) 989-5186 continental @thecontinentalgroupinc.com www.thecontinentalgroupinc.com CUSTOM PROPERTY MANAGEMENT, INC. Kate Gonzalez Vice President Quality Assurance (561) 439-1433 2328 S. Congress Ave., Suite 2A West Palm Beach, FL 33406 Fax: (561) 439-2807 cpmgt@bellsouth.net www.customproperty management.com FLORIDA ESTATE MANAGEMENT SERVICES Gary Marcus, Partner (561) 721-9537 3866 Prospect Ave., Suite 7 West Palm Beach, FL 33404 Fax: (561) 842-4300 gary@floridahomewatch.com www.floridahomewatch.com

Discounted advertising opportunities available

THE FORUM BUILDINGS Anne Hutter, Property Manager (561) 684-9500 1665 Palm Beach Lakes Blvd #100 West Palm Beach, FL 33401 Fax: (561) 684-8759 ahutter@pantheroffice.com www.pantheroffice.com REAL ESTATE CHRISTIAN ANGLE REAL ESTATE Donna Daniele (561) 835-8960 401 Peruvian Ave., Apt. 301 Palm Beach, FL 33480 Fax: (561) 835-8960 CITYSTYLE REALTY LLC Amanda Robledo Realtor Associate (561) 271-1490 701 S. Olive Ave., Suite 115 West Palm Beach, FL 33401 Fax: (561) 659-4195 amanda@citystylewpb.com www.citystylewpb.com SHBO PROPERTIES, LLC Whitney Atheras Office Manager (561) 495-4361 224 Datura St., Suite 809 West Palm Beach, FL 33401 info@shbo-properties.com www.shbo-properties.com SPALDING & SPALDING INTERNATIONAL, INC. Carla Spalding President (561) 628-7200 10761 Saddlebrook Lane Wellington, FL 33414 carlaspalding@ymail.com REAL ESTATE - APPRAISERS ANDERSON & CARR INC. Robert B. Banting, President (561) 833-1661 521 S Olive Ave. West Palm Beach, FL 33401 Fax: (561) 833-0234 rbanting@andersoncarr.com www.andersoncarr.com CALLAWAY & PRICE INC. Mike Slade, MAI, SRA, CRE President (561) 686-0333 1639 Forum Place, Suite 5 West Palm Beach, FL 33401 Fax: (561) 686-3705 mrs@cpwpb.com www.callawayandprice.com REAL ESTATE - BROKER BERTRAM PROPERTIES PALM BEACH Bertram Crocker, Principal Broker (561) 655-1210 225 Southern Blvd., Suite 201 West Palm Beach, FL 33405 Fax: (561) 847-3631 bertram@bertramproperties.com www.bertramproperties.com H F BORDERS, CO. REALTORS Harry F. Borders, President (561) 689-0400 1610 Southern Blvd.

West Palm Beach, FL 33406 www.bordersrealtors.com

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KEYES COMPANY OF REALTORS Bill Tavernise, DSM (561) 967-4300 Ext:27204 12012 South Shore Blvd., Suite 112 Wellington, FL 33414 Fax: (561) 249-5750 billtavernise@keyes.com www.keyes.com SOUTHEAST ASSET SPECIALISTS, LLC K. Reid Hotaling Managing Member (561) 988-5890 951 Broken Sound Pkwy. NW Suite 108 Boca Raton, FL 33487 Fax: (561) 241-5690 www.seas-llc.com REAL ESTATE - COMMERCIAL & INDUSTRIAL AMERICAN COMMERCIAL REALTY CORP. Zachary Berg Director of Operations (561) 775-1300 324 Datura St., Suite 102 West Palm Beach, FL 33401 Fax: (561) 775-8088 leasinginfo@amcomrealty.com www.amcomrealty.com

CUSHMAN & WAKEFIELD Christopher Thomson Assoc. Director/ Industrial Broker (561) 227-2020 3300 PGA Blvd., Suite 430 Palm Beach Gardens, FL 33410 Fax: (561) 227-2699 christopher.thomson @cushwake.com www.cushwake.com FIRST INDUSTRIAL REALTY TRUST, INC. Randy Bongard, Regional Mngr.

(561) 625-8279 15300 Park of Commerce Blvd.

Jupiter, FL 33478 Fax: (561) 625-8280 rbongard@firstindustrial.com www.firstindustrial.com FLAGLER REALTY & DEVELOPMENT INC. Richard S. Johnson, Jr. (561) 655-7200 505 S Flagler Drive, Suite 1010 West Palm Beach, FL 33401 Fax: (561) 655-0659 rsjjr@flagler-realty.com FLORIDA REALTY BROKERS, INC. Michael S. Horowitz CIPS, GRI TRC, Broker (561) 845-0609 4512 N Flagler Dr., Suite 304 West Palm Beach, FL 33407 Fax: (561) 845-0709 msh@floridarealtybrokers.com www.floridarealtybrokers.com

FRI INVESTORS Jonathan Cameron-Hayes President (561) 615-3903 2090 Palm Beach Lakes Blvd.

Suite 700 West Palm Beach, FL 33409 Fax: (561) 615-9545 jch@frinv.com www.frinv.com HAMILTON REALTY Gerard Arsenault, CEO (561) 655-3113 800 N. Flagler Dr. West Palm Beach, FL 33401 Fax: (561) 655-1946 gaarealty@aol.com KELLER TRUST Curt Levitan, V P of Leasing (561) 845-9911 6758 N. Military Trail, Suite 301 West Palm Beach, FL 33407 Fax: (561) 848-6100 clevitan@kellertrust.com www.kellertrust.com PHILIP D. LEWIS REAL ESTATE Philip D. Lewis (561) 844-0201 PO Box 9726 Riviera Beach, FL 33419 Fax: (561) 845-8059

NAI MERIN HUNTER CODMAN Jason Sundook Principal & Vice President (561) 471-8000 1601 Forum Place, Suite 200 West Palm Beach, FL 33401 Fax: (561) 471-9992 jsundook@mhcreal.com www.mhcreal.com NAVARRO LOWREY PROPERTIES, INC. Richard Abedon Executive Vice President (561) 688-2530 1641 Worthington Rd., Suite 120 West Palm Beach, FL 33409 Fax: (561) 688-2331 rabedon@navarrolowrey.com www.navarrolowrey.com REICHEL REALTY & INVESTMENTS INC. William B. Reichel, President (561) 478-4440 8845 N. Military Trail, Suite 100 Palm Beach Gardens, FL 33410 Fax: (561) 478-4442 breichel@reichelrealty.com www.reichelrealty.com TOUCHSTONE WEBB REALTY COMPANY Susan Thomas, President (561) 659-5554 105 S. Narcissus Ave., Suite 600 West Palm Beach, FL 33401 Fax: (561) 659-6711 sthomas@touchstonewebb.com www.touchstonewebb.com

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Buyer’sGUIDE WGCOMPASS REALTY COMPANIES Donald K. DeWoody, Jr., President (561) 721-7000 One Clearlake Centre 250 S. Australian Ave, Suite 1100 West Palm Beach, FL 33401 Fax: (561) 721-7035 ddewoody@wgcompass.com www.wgcompass.com REAL ESTATE - COMMERCIAL LENDING IBIS PARTNERS LLC Gregory S. Daniel Managing Partner (561) 324-2200 8216 Heritage Club Dr. West Palm Beach, FL 33412 Fax: (561) 584-5100 greg@ibispartners.com www.ibispartners.com REAL ESTATE - DEVELOPERS THE DAVID ASSOCIATES Cynthia Lotz (561) 832-9785 100 S. Dixie Highway, Suite 200 West Palm Beach, FL 33401 Fax: (561) 655-3470 clotz@davidassociates.com www.davidassociates.com DENHOLTZ ASSOCIATES Amy Miller, Executive Assistant (561) 242-0100 580 Village Blvd., Suite 300 West Palm Beach, FL 33409 Fax: (561) 242-9544 amiller@denholtzfl.com www.denholtzassociates.com MINTO COMMUNITIES Ingrid Prang Internet Marketing Specialist (954) 973-4490 4400 W. Sample Rd., #200 Coconut Creek, FL 33073 Fax: (954) 974-7452 iprang@mintofla.com www.mintofla.com STILES Doug Watt, V.P. of Marketing (561) 832-1305 444 W. Railroad Ave., Suite 470 Courthouse Commons West Palm Beach, FL 33401 pr@stiles.com www.stiles.com REAL ESTATE - INVESTMENTS CHASE MANAGEMENT, LLC Richard J. Remirez Vice President (561) 659-7105 400A N. Flagler Dr. West Palm Beach, FL 33401 Fax: (561) 659-0245 richardjremirez2@bellsouth.net CROCKER PARTNERS, LLC Tom Brockwell, Partner (561) 447-1812 225 N.E. Mizner Blvd., Suite 200 Boca Raton, FL 33432 Fax: (561) 394-7712 tbrockwell@crockerpartners.com www.crockerpartners.com

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FLORIDA REAL ESTATE INVESTORS ASSOCIATION Juan Restrepo, President (561) 429-6052 PO Box 6065 West Palm Beach, FL 33405 Fax: (561) 429-6053 info@flreia.com www.flreia.com

HUDSON REALTY OF THE PALM BEACHES Candy Brueggemann, Realtor (561) 704-3234 300 S. Federal Highway Boynton Beach, FL 33435 Fax: (561) 734-0784 candy@sweetrealdeals.com www.sweetrealdeals.com

MASTERS HOLDINGS GROUP Todd Durand, Managing Partner (561) 290-4705 4095 St. Rd. 7, Suite L-118 Wellington, FL 33449 Fax: (561) 277-2528 tdurand@mastershg.com www.mastershg.com

ILLUSTRATED PROPERTIES REAL ESTATE Star Smiley (561) 588-2002 2316 S. Dixie Highway West Palm Beach, FL 33401 Fax: (561) 585-6977 star@starsmiley.com www.ipre.com

MJS INVESTMENT GROUP LLC Michael Schoenewolff, President (561) 290-1503 1084 Center Stone Lane Riviera Beach, FL 33404 Fax: (561) 290-1503 info@mjsig.com PBCHOMEAUCTIONS.COM David Batchelor, Owner (561) 779-9995 5500 Military Trail, Suite 22-102 Jupiter, FL 33458 dave@pbchomeauctions.com www.pbchomeauctions.com SUSAN LEGGE INVESTMENT CONSULTANT Susan Legge, Owner (561) 292-3486 718 Manatee Bay Dr. Boynton Beach, FL 33435 Fax: (561) 292-3487

KELLER WILLIAMS Patricia Gaines, Realtor (561) 371-0247 2901 PGA Blvd., Suite 100 Palm Beach Gardens, FL 33410 Fax: (561) 656-2928 patriciagaines@kw.com www.pattigaines.com KELLER WILLIAMS REALTY Chris Callaghan, Realtor (561) 818-2120 4455 Military Trail, Suite 100 Jupiter, FL 33458 Fax: (561) 427-6101 chriscallaghan@kw.com www.mypalmbeachflorida.com

REAL ESTATE - MANAGEMENT ESPERANTE CORPORATE CENTER Michele Pellico, General Manager (561) 650-7300 222 Lakeview Ave., Suite 560 West Palm Beach, FL 33401 Fax: (561) 650-7304 michele.pellico @esperantemgt.com www.esperantemgt.com HEALTHCARE REIT MANAGEMENT SERVICES GROUP Tom Desiato, HR Director (561) 626-1800 661 University Blvd., Suite 100 Jupiter, FL 33458 Fax: (561) 626-8111 tdesiato@hcreit.com www.medicalproperties.net REAL ESTATE - RESIDENTIAL THE DAVID ASSOCIATES Cynthia Lotz (561) 832-9785 100 S. Dixie Highway, Suite 200 West Palm Beach, FL 33401 Fax: (561) 655-3470 clotz@davidassociates.com www.davidassociates.com EXIT REALTY, THE GLOBAL GROUP Nick Jackson Licensed Real Estate Broker (561) 616-7364 3969 N. Haverhill Rd., Suite 106 West Palm Beach, FL 33417 Fax: (561) 616-8223 info@exitrealtyglobal.com www.exitrealtyglobal.com

SENIORS REAL ESTATE SPECIALIST KELLER WILLIAMS REALTY Leslie Read, Realtor (561) 758-0769 18914 Pond Cypress Court Jupiter, FL 33458 www.LeslieRead.com VILLAGE REALTY GROUP INC. Michael Berry, President (561) 616-9240 580 Village Blvd., Suite 150 West Palm Beach, FL 33409-1904 Fax: (561) 616-9287 mkberry@covad.net www.villagerealtygroup.com RETIREMENT & LIFE CARE COMMUNITIES & HOMES THE CARLISLE PALM BEACH Natasha Deonath Director of Sales (561) 540-6493 450 E. Ocean Ave. Lantana, FL 33462 Fax: (561) 533-6723 ndeonath@srg-llc.com www.srgseniorliving.com THE CLASSIC AT WEST PALM BEACH Jacky Purje Business Development Coordinator (561) 697-3051 Ext:209 6100 Common Circle West Palm Beach, FL 33417-4279 Fax: (561) 689-2436 jpurje@brookdaleliving.com www.brookdaleliving.com

LAKE WORTH GARDENS Robert McAdams Execudive Director (561) 965-7277 3927 Hadjes Dr. Lake Worth, FL 33467 Fax: (561) 965-9665 rmcadams@horizonbay.com www.lakeworthgardens.com ROOF CONTRACTORS CAMPANY ROOF MAINTENANCE Heather Thomas (561) 881-3560 910 28th St. West Palm Beach, FL 33407 Fax: (561) 863-3194 campanyroofmaintenance @yahoo.com www.campanyroof maintenance.com HI-TECH ROOFING & SHEET METAL, INC. Michael Daley, President (561) 586-3110 2266 4th Ave. North Lake Worth, FL 33461 Fax: (561) 586-5198 www.hi-techroofing.com ONE ROOFING, LLC Nancy Melamed, President (561) 368-3501 7765 Lake Worth Rd., Suite 338 Lake Worth, FL 33467 Fax: (561) 653-1387 nancy@oneroofinginc.com www.oneroofinginc.com PETERSEN DEAN ROOFING AND SOLAR SYSTEMS INC. Mike Thackaberry Sales Representative (561) 721-9921 1011 Fairfield Dr. West Palm Beach, FL 33407 Fax: (561) 721-9922 mthackaberry@petersendean.com www.needaroof.com SCHOOLS ADULT EDUCATION CENTER Dr. Cynthia Smith Nancy McPherson (561) 616-7800 2161 N Military Trail West Palm Beach, FL 33409 Fax: (561) 616-7850 mcpherson@palmbeach.k12.fl.us www.palmbeach.k12.fl.us/ adultedcenter PALM BEACH MARITIME MUSEUM & ACADEMY John C. Grant, President (561) 540-5147 7719 S Dixie Highway West Palm Beach, FL 33405 Fax: (561) 540-5196 museum@pbmm.org www.pbmm.org ST. MARK’S EPISCOPAL SCHOOL Ron McElhone Business Manager (561) 622-1504 3395 Burns Rd. Palm Beach Gardens, FL 33410 Fax: (561) 622-6801 lmullins@stmarkspbg.org www.stmarkspbg.org

SUNCOAST COMMUNITY HIGH SCHOOL Dr. Gloria A. Crutchfield Jana Hartley Principal/Asst. Principal (561) 882-3401 600 W. 28th St. Riviera Beach, FL 33404 Fax: (561) 882-3494 hartleyj@palmbeach.k12.fl.us www.suncoasths.palmbeach. k12.fl.us SCHOOLS - ACADEMIC COLLEGE & UNIVERSITIES BARRY UNIVERSITY / SCHOOL OF ADULT & CONTINUING EDUCATION Millicent Kelly Regional Director of Palm Beach, Martin & St. Lucie Counties (561) 622-9300 9123 N. Military Trail, Suite 206 Palm Beach Gardens, FL 33410 Fax: (561) 622-0158 smatter@mail.barry.edu www.barry.edu/ace ENTREPRENEURSHIP MASTERS PROGRAM - UF David Boneparth Assistant Director (352) 273-0338 P.O. Box 117168 Gainesville, FL 32611 Fax: (352) 846-2170 mse@warrington.ufl.edu www.warrington.ufl.edu/mse FLORIDA ATLANTIC UNIVERSITY JUPITER CAMPUS Terry Gearing Director of University Relations (561) 799-8026 5353 Parkside Dr. Jupiter, FL 33458 Fax: (561) 799-8502 gearing@fau.edu www.fau.edu/jupiter INTERNATIONAL MARITIME UNIVERSITY OF ADAPTIVE SCIENCES, INC. Leslie B. Panchula, Ph.D Founder/President (561) 712-4613 842 Mango Dr., Suite 101 West Palm Beach, FL 33415 Fax: (561) 712-4613 info@imuas.org www.imuas.org

NORTHWOOD UNIVERSITY Provost Rose B. Bellanca, Ed.D. (561) 478-5500 2600 N. Military Trail West Palm Beach, FL 33409-2911 Fax: (561) 640-3328 www.northwood.edu NOVA SOUTHEASTERN UNIVERSITY G. Edward Dungee, Director (561) 622-7018 3970 RCA Blvd., Suite 7000 Palm Beach Gardens, FL 33410 gdungee@nova.edu www.nova.edu/sec/wpb PALM BEACH ATLANTIC UNIVERSITY Lu Hardin, President (561) 803-2000 901 S. Flagler Dr. West Palm Beach, FL 33401 Fax: (561) 803-2023 admit@pba.edu www.pba.edu PALM BEACH STATE COLLEGE Dr. Dennis P. Gallon, President (561) 967-7222 4200 Congress Ave. Lake Worth, FL 33461 Fax: (561) 868-3582 enrollmt@pbcc.edu www.PalmBeachState.edu SOUTH UNIVERSITY Gary Malisos, Sr. Dir. of Admissions (561) 273-6356 1760 N. Congress Ave. West Palm Beach, FL 33409 Fax: (561) 273-6420 gmalisos@southuniversity.edu www.southuniversity.edu STRAYER UNIVERSITY-PALM BEACH GARDENS CAMPUS Corliss Keller, Campus Director (561) 904-3000 11025 RCA Center Dr., Suite 200 Palm Beach Gardens, FL 33410 Fax: (561) 904-3030 palmbeachgardens@strayer.edu www.strayer.edu PARAMOUNT TRAINING SERVICES Jeanne Burnside, Director (561) 840-8804 4152 W. Blue Heron Blvd., Suite 108 Riviera Beach, FL 33404 Fax: (561) 840-8077 info@fastcna.com www.fastCNA.com SCHOOLS - INDUSTRIAL & TECHNICAL & TRADE

KEISER UNIVERSITY Gary Vonk, Campus President (561) 471-6000 2085 Vista Parkway West Palm Beach, FL 33411 Fax: (561) 471-7849 www.keiseruniversity.edu

EMPIRE BEAUTY SCHOOL Nicholas Stephen Executive Director (561) 615-4265 4258 Okeechobee Blvd.

West Palm Beach, FL 33411 Fax: (561) 615-4266 www.empire.edu

NICHOLS COLLEGE Dr. Marla Friedman Director-Graduate & Professional Studies (561) 868-4002 4200 Congress Ave., MS#48 Lake Worth, FL 33461 Fax: (561) 623-6448 marla.friedman@nichols.edu www.palmbeachmba.com

CARDINAL NEWMAN HIGH SCHOOL Rev. David W. Carr, President (561) 683-6266 512 Spencer Drive West Palm Beach, FL 33409 Fax: (561) 687-9384 cnhs@cardinalnewman.com www.cardinalnewman.com

SCHOOLS - PRIVATE

PALM BEACH DAY ACADEMY LOWER CAMPUS Meghan Albanese Director of Admission & Financial Aid (561) 832-8815 1901 S. Flagler Dr. West Palm Beach, FL 33401 Fax: (561) 832-3343 malbanese@pbday.org www.palmbeachdayacademy.org PALM BEACH DAY ACADEMY UPPER CAMPUS Meghan Albanese Director of Admission & Financial Aid (561) 655-1188 241 Seaview Ave. Palm Beach, FL 33480 Fax: (561) 655-5794 malbanese@pbday.org www.palmbeachdayacademy.org POINCIANA DAY SCHOOL Ann Simone, Head of School (561) 655-7323 1340 Kenwood Rd. West Palm Beach, FL 33401 Fax: (561) 655-5281 info@poincianadayschool.org www.poincianadayschool.org ROSARIAN ACADEMY Sr. Corinne Sanders, Principal (561) 832-5131 807 N. Flagler Dr. West Palm Beach, FL 33401 Fax: (561) 820-8750 info@rosarian.org www.rosarian.org ST. JULIANA CATHOLIC SCHOOL Dr. Serena Brasco, Principal (561) 655-1922 4355 S. Olive Ave. West Palm Beach, FL 33405 Fax: (561) 655-8552 sbrasco@saintjuliana.org www.saintjuliana.org SUMMIT CHRISTIAN SCHOOL Mr. Sam Skelton, Headmaster (561) 686-8081 4900 Summit Blvd.

West Palm Beach, FL 33415 Fax: (561) 640-7613 summit@summitchristian.com www.summitchristian.com SCHOOLS-MEDICAL & DENTAL ASSISTANTS & TECHNICIANS CAPSCARE ACADEMY FOR HEALTHCARE EDUCATION Tanya Bolden Administrative Director (561) 547-7371 1776 Lake Worth Rd., Suite 101 Lake Worth, FL 33460 Fax: (561) 547-7373 education@capscare-ed.com www.capscare-ed.com MCI INSTITUTE OF TECHNOLOGY Rafael Agosto, Marketing (561) 296-0838 3650 Shawnee Ave. West Palm Beach, FL 33409 Fax: (561) 296-0822

SECURITY SYSTEMS & CONSULTANTS AUDIO VIDEO SYSTEMS, INC. Angela Barnard, President (561) 686-4473 1860 Old Okeechobee Rd., #104 West Palm Beach, FL 33409 Fax: (561) 689-5520 info@avssafetysystems.com www.avsSafetySystems.com BROADCAST TECHNOLOGIES OF THE PALM BEACHES Nick Ehr, CEO (561) 459-8068 631 US Hwy. One, Suite 312 North Palm Beach, FL 33408 Fax: (561) 658-0360 nick@btpalmbeach.com www.btpalmbeach.com DEVCON SECURITY Leo Coto, Sales Supervisor (561) 750-9438 Ext:3308 141 N.W. 20th St., G-1 Boca Raton, FL 33431 Fax: (561) 750-5005 lcoto@devcon-security.com www.devcon-security.com STANLEY CONVERGENT SECURITY SOLUTIONS, INC. Janice Ford, Security Consultant (561) 398-1300 3082 N. Commerce Pkwy.

Miramar, FL 33025 Fax: (561) 828-6449 jford@stanleyworks.com www.stanleycss.com SHOPPING CENTERS CITYPLACE Edan DellaMea Marketing Director (561) 820-0074 700 S Rosemary Ave, Suite 200 West Palm Beach, FL 33401 Fax: (561) 366-1001 edellamea@cityplace.com www.cityplace.com SOLAR ENERGY EQUIPMENT & SYSTEMS CLIMATIC SOLAR James Winston.

Sales Representative (561) 632-2995 650 2nd Lane Vero Beach, FL 32962 Fax: (772) 567-4553 jimwins@climaticsolar.com www.climaticsolar.com SPRINKLER SYSTEMS SUPERIOR SPRINKLER SYSTEMS Robert C. Johnson, President (561) 833-3271 427 Southern Blvd.

West Palm Beach, FL 33405 Fax: (561) 833-1203 superiorss@bellsouth.net STONE - CAST BARBARA TATTERSFIELD DESIGN, INC Barbara Tattersfield, President (561) 833-3443 1608 S. Dixie Highway, Suite 1 West Palm Beach, FL 33401 Fax: (561) 833-3414 marjorie@btattersfielddesign.com www.barbaratattersfield.com

REAL ESTATE GUIDE TO THE PALM BEACHES

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Buyer’sGUIDE CORAL REEF CAST STONE Rhoda Meyers, Vice President (561) 586-1900 6100 Georgia Ave. West Palm Beach, FL 33405 Fax: (561) 586-0026 caststone@aol.com www.coralreefcaststone.com STONE - NATURAL BARBARA TATTERSFIELD DESIGN, INC Barbara Tattersfield, President (561) 833-3443 1608 S. Dixie Highway, Suite 1 West Palm Beach, FL 33401 Fax: (561) 833-3414 marjorie@btattersfielddesign.com www.barbaratattersfield.com STORAGE - HOUSEHOLD & COMMERCIAL BURLINGTON SELF STORAGE OF WPB, LLC Joan Crowley (561) 820-8871 422 7th St. West Palm Beach, FL 33401 Fax: (561) 651-1481 infowpb@bssproperties.com www.bssproperties.com

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EXTRA SPACE STORAGE Kimberly Smith District Learning Specialist (561) 689-2713 5580 Okeechobee Blvd.

West Palm Beach, FL 33417 Fax: (561) 683-4196 kimberly.smith@extraspace.com www.extraspace.com

SOUTHERN SELF STORAGE Roy & Marilyn Williams Property Managers (561) 686-7700 1859 N. Jog Rd West Palm Beach, FL 33411 Fax: (561) 686-7587 jogroad@southernselfstorage.com www.southernselfstorage.com

METRO SELF STORAGE Jeanne Schroeder Property Manager (561) 848-5599 3895 Westroads Dr. West Palm Beach, FL 33407-1234 Fax: (561) 842-7783 metrowp@metrostorage.com www.metrostorage.com

THE STORE ROOM Jennifer Hastings General Manager (561) 659-2903 1401 Mercer Ave. West Palm Beach, FL 33401 Fax: (561) 659-5277 tsraust@thestoreroom.net www.thestoreroom.net

PODS (PORTABLE ON DEMAND STORAGE) Ernie Kassoff V.P. of Sales (727) 460-0022 5479 Leeper Dr. West Palm Beach, FL 33407 Fax: (863) 646-7169 ekassoff@podscustomercare.com www.pods.com/palm-beach.aspx

STORE SELF STORAGE AND WINE STORAGE Cindy & Franz June Managers (561) 627-8444 11010 N. Military Trail Palm Beach Gardens, FL 33410 Fax: (561) 630-8449 cindy@storeselfstorage.com www.storeselfstorage.com

Chamber Membership is Tax Deductible

SWIMMING POOL CONTRACTORS, DEALERS & DESIGNERS AQUATRON, INC. Michael Falzer, Sales Manager (561) 455-0252 Ext:110 601 N. Congress Ave., Suite 308 Delray Beach, FL 33445 Fax: (561) 455-0257 mfalzer@aquatron.us www.aquatron.us WEST PALM POOLS, INC. MaryAnn M. Stetson CEO & President (561) 575-7030 103 S. US Hwy. One, Suite F-5192 Jupiter, FL 33477 Fax: (561) 575-7030 info@westpalmpool.com www.westpalmpool.com TELECOMMUNICATIONS 5LINX - GLOBAL MARKETING ASSOCIATES Risto Koljonen, Owner (561) 623-5900 403 S. Sapodilla Ave., Suite 318 West Palm Beach, FL 33401 Fax: (800) 445-5698 risto@5linx.net www.glolinx.net

5LINX OF PALM BEACH Frederick Esters, President (561) 753-0725 8144 Okeechobee Blvd., Suite B West Palm Beach, FL 33411 Fax: (561) 753-0721 mytel@mytelglobal.net www.5linx.net/mytel AT&T FLORIDA Catherine L. McKenzie Area Director- External Affairs (561) 640-8384 701 Northpoint Parkway, Suite 410 West Palm Beach, FL 33407 catherine.mckenzie@att.com www.att.com AUDIOVISIONS FL Brian Fortman, Manager (561) 277-1885 1095 Jupiter Park Dr. # 17 Jupiter, FL 33458 Fax: (561) 228-1895 info@audiovisionsfl.com www.audiovisionsfl.com CSN TELECOMMUNICATIONS INC. Michael B. Sher Managing Director (201) 664-7740 Ext:4 5050 N. Ocean Dr., #803 Singer Island, FL 33404 Fax: (201) 301-6030 msher@csntelecom.com www.csntelecom.com DELTACOM Larry Warren, Account Executive (561) 253-0645 1475 Centrepark Blvd., Suite 301 West Palm Beach, FL 33401 larry.warren@deltacom.com www.deltacom.com DIALMYCALLS.COM David Batchelor, President (800) 928-2086 325 Clematis St. #113 West Palm Beach, FL 33401 Fax: (866) 515-8331 support@dialmycalls.com www.dialmycalls.com INTERNATIONAL NETWORK SOLUTIONS Diane Cunningham Account Executive (561) 596-1345 1 N. Federal Hwy., Suite 500 Boca Raton, FL 33432 (866) 240-3375 dcunningham@ins-us.net www.internationalnetwork solutions.net GLOBAL SOLUTIONS, INC. Fred King, Partner (914) 260-6692 58 Laguna Terrace Palm Beach Gardens, FL 33418 Fax: (561) 625-4659 fredricking@gmail.com www.gsi-us.net INTERNATIONAL NETWORK SOLUTIONS Diane Cunningham Account Executive (561) 596-1345 1 N. Federal Hwy. Suite 500 Boca Raton, FL 33432 Fax: (866) 240-3375 dcunningham@ins-us.net www.internationalnetwork solutions.net

SYSTEMS DESIGN & SUPPORT, INC. Norman D. Landerman Director of Sales (561) 279-2627 100 E. Linton Blvd., Suite 506-B Delray Beach, FL 33483 Fax: (561) 274-8877 solutions@net-sdsi.com www.net-sdsi.com WALDRON AND ASSOCIATES Katherine Waldron, CEO (703) 371-7910 801 S. Olive Ave., # 906 West Palm Beach, FL 33401 rwconsultingllc@aol.com www.waldronandassociates.net TITLE COMPANIES/INSURANCE FAMILY ESCROW & TITLE, INC. John Keife, Marketing Executive (561) 312-0733 1880 N. Congress Ave., Suite 201 Boynton Beach, FL 33426 Fax: (561) 424-9996 jkeife@familyescrowtitle.com www.familyescrowtitle.com TRIDENT TITLE, LLC Kathy Bourdeau, Office Manager (561) 515-2920 225 S. Olive Ave. West Palm Beach, FL 33401 Fax: (561) 515-2939 info@tridenttitlellc.com www.tridenttitlellc.com UTILITIES FLORIDA POWER & LIGHT CO. Rod Macon, Regional Director (561) 691-7775 700 Universe Blvd. (CEA/JB) Juno Beach, FL 33408 Fax: (561) 694-4718 rod_macon@fpl.com www.fpl.com FLORIDA PUBLIC UTILITIES COMPANY-NATURAL GAS & PROPANE Doug Kiep, Marketing Supervisor (561) 832-2461 401 S. Dixie Highway West Palm Beach, FL 33401-5886 Fax: (561) 833-8562 dkiep@fpuc.com www.fpuc.com VACATION RENTALS CASA COCO PRIVATE VACATION HOMES Arnfield Cudal, Owner (561) 832-0157 246 Lakeland Dr. West Palm Beach, FL 33405 www.casacoco.net LIFETIME LEISURE EXPERIENCES Christopher Klesh, President (561) 626-8100 113 Old Meadow Way Palm Beach Gardens, FL 33418 Fax: (561) 625-0543 lifetimeleisure@bellsouth.net www.lifetimeleisure.net

VIRTUAL OFFICE & EXECUTIVE SUITES CITYSIDE SUITES BUSINESS CAFE’ Darren Studstill, Dir. of Operations (561) 209-2770 401 N. Rosemary Ave. West Palm Beach, FL 33401 Fax: (561) 209-2771 darren@citysidesuites.com www.citysidesuites.com INTELLIGENT OFFICE David Middleton, Owner (561) 472-8400 4440 PGA Blvd., Suite 600 Palm Beach Gardens, FL 33410 Fax: (561) 472-8401 palmbeach-consultant @intelligentoffice.com www.intelligentoffice.com KEYCORP EXECUTIVE SUITES Alberto Siblesz General Manager (561) 721-3700 801 Northpoint Parkway West Palm Beach, FL 33407 Fax: (561) 721-0525 asiblesz@keycorpexecutive.com www.keycorpexecutive.com WASTE MANAGEMENT SERVICES REPUBLIC SERVICES OF PALM BEACH David A. Unversaw General Manager (561) 478-9590 786 Pike Rd. West Palm Beach, FL 33411 Fax: (561) 478-0801 stanleyj@repsrv.com www.republicservices.com SOUTHERN WASTE SYSTEMS LLC SUN RECYCLING Patti Hamilton, VP of Marketing (561) 582-6688 790 Hillbrath Dr. Lantana, FL 33462 Fax: (561) 582-6623 phamilton@swsfl.com www.southernwastesystems.com

WASTE MANAGEMENT OF PALM BEACH Harold Carter, Governmental Affairs (561) 547-4000 651 Industrial Way Boynton Beach, FL 33426-8704 Fax: (561) 547-7181 hcarter@wm.com www.wm.com WATER COMPANIES BOTTLED, BULK, ETC. ULTIMATE BUSINESS SERVICES Nick Baki, President (800) 805-7084 700 W. Hillsboro Blvd., Suite 3-108 Deerfield Beach, FL 33441 Fax: (954) 570-5333 nbaki@ultimatewater.net www.ultimatewater.net WINDOW TREATMENTS EDWARD’S WINDOW DECOR INC. Ed Yennock, President (561) 932-3712 378 Northlake Blvd. #172 North Palm Beach, FL 33408 Fax: (561) 842-8843 eyennock@yahoo.com www.edwardswindowdecor.com SHADES & MORE Cale Schaefer, Owner (561) 744-0088 711 W. Indiantown Rd., # B1 Jupiter, FL 33458 Fax: (561) 744-0159 cschaefer@shadesand moreinc.com www.shadesandmoreinc.com WINDOWS AND DOORS 1ST ADVANTAGE WINDOW & DOOR, INC. Nadia Price, President (561) 932-1763 411 7th St., Suite 8 West Palm Beach, FL 33401 Fax: (561) 932-1765 nprice@1stadvantagewindows.com www.1stadvantagewindows.com

Advertiser’s Index AT&T ..............................................................Inside Back Cover A Note Holders Solution ........................................................27 Arc Stone & Tile ......................................................................31 BBS Industries ..........................................................................14 CHI - Home Inspections..........................................................29 The Crexent Business Center ................................................33 Esperante ..................................................................................2 Florida Public Utilities ..............................................................38 Fuoco Group, LLC ..................................................................21 Iberia Bank ..............................................................Back Cover Image Janitorial Service ........................................................30 Keller Trust ................................................................................34 Minto ..........................................................................................1 Reichel Realty & Investments, Inc.........................................35 Total Design in Cabinetry ......................................................25 Wachovia Bank ......................................................................14 WG Compass/ One Clearlake ..................Inside Front Cover WG Compass/The Towers......................................................16 Willie’s Transfer & Storage ......................................................32 REAL ESTATE GUIDE TO THE PALM BEACHES

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Expanding E xpa x anndidin ding i g our ing our footprint foootpprriint n Today, finding a bank in a position of strength is a rarity. During a time when our nation’s economic landscape proves challenging for many financial institutions, IBERIABANK remains financially stable and well-prepared for future growth. Our unique position enables us to seize rare opportunities and continue to expand our footprint.

For 123 years, we have taken care of our clients' families and businesses. We look forward to taking care of yours.

Strength. Security. Stability.

www.iberiabank.com

Member

Wee iinvite W n v i t e yyou o u ttoo v visit i s i t yyour our n nearest e a r e s t branch b ra n c h to t o see s e e familiar f a m i l i a r faces f a c e s delivering d e l i v e r i ngg eextraordinary x t ra o r d i n a r y service. ser vice.

Palm Beach Gardens G Ave, 111345 1345 Legacy A ve, Bldg B D, Ste 101 561-653-5 070 561-653-5070

West W est P Palm Beach 605 North N Olive 561-653-5036 561-6 653-5036

Boca Boc ca Raton 11180 180 North Federal Highway 561-869-4861 561 -869-4861

Pompano Beach 900 North Federal Highway 954-601-1100 954-601-1 100