NCG550364_Owner (Name Change)_20141010

NCDENR
North Carolina Department of Environment and Natural Resources
Pat McCrory John E. Skvarla, III
Governor Secretary
October 10, 2014
MR. TOMMYA. BROACH, JR
5023 ASHBY AVE
NORTH CHARLESTON, SC 29405
Subject: NPDES Permit Modification- Name and/or
Ownership Change
466 Coweeta Lake Circle
Certificate of Coverage NCG550364
Macon County
Dear Mr. Broach:
Division personnel have reviewed and approved your request for ownership change of the subject certificate of
coverage received on October 06, 2014. This permit modification documents the change of ownership of the above
reference facility.
Please find enclosed the revised permit. All other terms and conditions contained in the original permit remain
unchanged and in full effect. This permit modification is issued under the requirements of North Carolina General
Statutes 143-215.1 and the Memorandum of Agreement between North Carolina and the U.S. Environmental Protection
Agency.
If you have any questions concerning this permit modification, please contact the Wastewater Branch at (919)
807-6304.
� -r-
Thomas A. Reeder
cc: NPDES File
Asheville Regional Office
1617 Mail Service Center, Raleigh, North Carolina 27699-1617
Location: 512 N. Salisbury St. Raleigh, North Carolina 27604
Phone: [phone] FAX: [phone] Customer Service:1-877.623.6748
Internet www.ncwaterquality,org
An Equal Opportunity 1 Affirmative Action Employer
91t-
NorthCarolina
Naturally

STATE OF NORTH CAROLINA
DEPARTMENT OF ENVIRONMENT AND NATURAL RESOURCES
DIVISION OF WATER RESOURCES
CERTIFICATE OF COVERAGE — NCG550364
Under GENERAL PERMIT NCG550000
TO DISCHARGE DOMESTIC WASTEWATERS FROM SINGLE FAMILY RESIDENCES AND OTHER
DISCHARGES WITH SIMILAR CHARACTERISTICS UNDER THE
NATIONAL POLLUTANT DISCHARGE ELIMINATION SYSTEM
(NPDES)
In compliance with the provision of North Carolina General Statute 143-215.1, other lawful standards and regulations
promulgated and adopted by the North Carolina Environmental Management Commission, and the Federal Water
Pollution Control Act, as amended,
Tommy A. Broach, Jr.
is hereby authorized to discharge domestic wastewater [ 480 GPD] from a facility located at
466 Coweeta Lake Circle
Otto
Macon County
to receiving waters designated as Coweeta Creek, a class C-Trout Stream in subbasin 04-04-01 of the Little Tennessee
River Basin in accordance with the effluent limitations, monitoring requirements, and other conditions set forth in Parts I,
II, III and IV of General Permit NCG550000 as attached.
This certificate of coverage shall become effective October 06, 2014.
This Certificate of Coverage shall remain in effect until the General Permit expires July 31, 2018
Signed this day October 10, 2014.
dif
Thu .. A. Reeder, Director
D gton of Water Resources
By Authority of the Environmental Management Commission

f
����Nra,�y
0
i 11111
G. 1�
@RN DE JoOQ��a
B. Type of Loan
A. Settlement Statement (HUD-1)
OMB Approval No. 2502-0265
to FHA 2.0 RHS 3. Conv. Unins.
4. Q VA 5.0 Conv. Ins.
6. File Number:
14-RE-176
7. Loan Number:
1407000127
8. Mortgage Insurance Case Number:
C. Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown.
Items marked "(p.o.c.)" were paid outside the closing; they are shown here for informational purposes and are not included in the totals.
D. Name and Address of Borrower:
TommyAllen Broach, Jr.
1930 Reynolds Avenue
North Charleston, SC 29405
E. Name and Address of Seller:
Maydean Baker
4528 Ellenton Omega Road
Omega, GA 31775
F. Name and Address of Lender:
Macon Bank, Inc.
14 One Center Court
Franklin, North Carolina 28734
G. Property Location:
466 Coweeta Lake Circle
Otto, NC 28763
Macon County, North Carolina
H. Settlement Agent: 56-2168377
Law Offices of Kenneth W. Fromknecht, II, P.A.
29 lotla Street
Franklin, NC 28734
Ph. [phone]
Place of Settlement:
29 lotla Street
Franklin, NC 28734
I. Settlement Date:
September 24, 2014
J. Summary of Borrower's transaction
K. Summary of Seller's transaction
100. Gross Amount Due from Borrower:
400. Gross Amount Due to Seller:
101. Contract sales price
102. Personal property
103. Settlement Charges to Borrower (Line 1400)
104.
120,000.00
3,436.86
401. Contract sales price
402. Personal property
403.
404.
105.
405.
Adjustments for items paid by Seller in advance
106. City/Town Taxes to
107. County Taxes 09/25/14 to 01 /01 /15
108. Assessments to
162.86
Adjustments for items paid by Seller in advance
406. City/Town Taxes to
407, County Taxes to
408. Assessments to
109.
110.
409.
410.
111.
411.
112.
412.
120. Gross Amount Due from Borrower
123,599.72
420. Gross Amount Due to Seiler
200. Amounts Paid by or in Behalf of Borrower
201. Deposit or earnest money
202. Principal amount of new loan(s)
203. Existing loan(s) taken•subject to
204. Appr. Dep. Cr from Macon
4,000.00
96,000.00
450.00
205. Online Appl Credit from Macon
206.
100.00
500. Reductions in Amount Due Selier
501. Excess deposit (see instructions)
502. Settlement charges to Seller (Line 1400)
503. Existing loan(s) taken subject to
504. Payoff First Mortgage
505. Payoff Second Mortgage
506.
207.
507.
208.
508.
209.
509.
Adjustments for items unpaid by Seller
210. City/Town Taxes to
211. County Taxes to
212. Assessments to
Adjustments for items unpaid by Selier
510. City/Town Taxes to
511. County Taxes to
512. Assessments to
213.
513.
214.
514.
215.
515.
216.
516.
217.
517.
218.
518.
219.
519.
220. Total Paid by/for Borrower
100,550.00
520. Total Reduction Amount Due Selier
300. Cash at Settlement from/to Borrower
600. Cash at settlement to/from Seller
301. Gross amount due from Borrower (line 120)
302. Less amount paid by/for Borrower (line 220)
303. Cash XE From n To Borrower
(
123,599.72
100,550.00)
601. Gross amount due to Seller (line 420)
602. Less reductions due Seller (line 520)
23,049.72 603. Cash 111 To n From Seller
(
The undersigned.bereby acknowledge receipt of a completed copy of this statement & any attachments referred to herein
Borrower
TommyAllen Broch, Jr.
The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may
not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this
disclosure is mandatory. This is designed to provide the parties to a RESPA covered transaction with information during the settlement process.
Page 1 of 3 HUD-1
(BROACH PF BAKER.PFD/14-RE-17f •

L. Settlement Charges
700. Total Real Estate Broker Fees
Paid From
Borrowers
Funds at
Settlement
Paid From
Seller's
Funds at
Settlement
Division of commission (line 700) as follows:
701. $
702. $
703.
704.
705.
800. Items Payable in Connection with Loan
801. Our origination charge $ 1,455.00 (from GFE #1)
802. Your credit or charge (points) for the specific interest rate chosen $ (from GFE #2)
803. Your adjusted origination charges (from GFE #A)
1,455.00
804. Appraisal fee to Anchor Appraisals (from GFE #3)
450.00
805. Credit Report to Credstar (from GFE #3)
9.55
806. Tax service to First American Tax Service (from GFE #3)
62.00
807. Flood certification to CBC Innovis (from GFE #3)
7.50
808. (from GFE #3)
809. (from GFE #3)
810. (from GFE #3)
811. (from GFE #3)
900. Items Required by Lender to Be Paid in Advance
901. Daily interest charges from 09/24/14 to 10/01/14 7 @ $8.330000/day (from GFE #10)
58.31
902. Mortgage insurance premium for months to (from GFE #3)
903. Homeowner's insurance for 1.0 years to Statre Farm Insuracne (from GFE #11) $444.00 POC(P*)
904. (from GFE #11)
905. Flood Insurance Premium NFIP (from GFE #11) $880.00 POC(P*)
1000. Reserves Deposited with Lender
1001. Initial deposit for your escrow account (from GFE #9)
1002. Homeowner's insurance 1.000 months @ $ 37.00 per month $ 37.00
1003. Mortgage insurance months @ $ per month $
1004. Property taxes
County Taxes months @ $ 50.55 per month
1005. $ _
1006. Flood Insruance 1.000 months @ $ 73.33 per month $ 73.33
1007. months @ $ per month $
1008. Aggregate Adjustment $-110.33
1009. $
1100. Title Charges
1101. Title services to Kenneth W.Fromknecht, II (from GFE#4)
1,246.40
1102. Settlement or closing fee $
1103. Owner's title insurance to Investors Title (from GFE #5)
24.10
1104. Lender's title insurance to Investors Title $ 246.40
1105. Lender's title policy limit $ 96,000.00
1106. Owner's title policy limit $ 120,000.00
1107. Agent's portion of the total title insurance premium $
1108. Underwriter's portion of the total title insurance premium $
1109. Attorney Fee/Mail Delivery Fee to
1110.
1111.
1112.
1113.
1200. Government Recording and Transfer Charges
1201. Government recording charges to Macon County Register of Deeds (from GFE #7)
124.00
1202. Deed $ 26.00 Mortgage $ 72.00 Releases $ Other $ 26.00
1203. Transfer taxes (from GFE #8)
1204. City/County tax/stamps Deed Mortgage
1205. State tax/stamps Deed Mortgage
1206.
1207. Record Road MaintAgreement $26.00
1300. Additional Settlement Charges
1301. Required services that you can shop for (from GFE #6)
1302.
1303. Shipping & Handling
1304.
.
1305.
1400. Total Settlement Charges (enter on lines 103, Section J and 502, Section K)
3,436.86
By signing page 1 of this statement, the signatories acknowledge receipt of a completed copy of page 2 & 3 of this three page �,;�
POC (P*) Paid Outside of Closing
By Borrower Law !4.1itof Kenneth W. Fromknecht, II, P.A., SettlementAgent
Page 2 of 3 HUD-1
(BROACH PF BAKER.PFD/14-RE-176/16)

Comparison of Good Faith Estimate (GFE) and HUD-1 Charges
Good Faith Estimate
HUD-1
Charges That Cannot Increase HUD-1 Line Number
Our origination charge # 801
1,455.00
1,455.00
Your credit or charge (points) for the specific interest rate chosen # 802
Your adjusted origination charges # 803
1,455.00
1,455.00
Transfer taxes #1203
Charges That in Total Cannot Increase More than 10%
Good Faith Estimate
HUD-1
Government recording charges
#1201
84.00
124.00
Appraisal fee
# 804
450.00
450.00
Credit report
# 805
50.00
9.55
Tax service
# 806
62.00
62.00
Flood certification
# 807
7.50
7.50
Total
653.50
653.05
Increase between GFE and HUD-1 Charges
$
-0.45 or
-0.07%
Charges That Can Change
Good Faith Estimate
HUD-1
Initial deposit for your escrow account
#1001
1,092.05
Daily interest charges
# 901
$ 8.330000/day
208.25
58.31
Homeowner's insurance
# 903
1,830.00
_
444.00
Flood Insurance Premium
# 905
1,386.00
880.00
Title services to Kenneth WFromknecht, II
#1101
1,324.80
1,246.40
Owner's title insurance to Investors Title
#1103
50.00
24.10
Loan Terms
Your initial loan amount is
$ 96,000.00
Your loan term is
30 years
Your initial interest rate is
3.1250 %
Your initial monthly amount owed for principal, interest and
any mortgage insurance is
$ 411.24 includes
X Principal
X Interest
❑ Mortgage Insurance
Can your interest rate rise?
•
❑ No J Yes, it can rise to a maximum of 7.12500%. The first
change will be on 10/01/2017 and can change again every 12 months after
10/01/2017. Every change date, your interest rate can increase or decrease
by 2.00000%. Over the life of the loan, your interest rate is guaranteed
to never be lower than 3.12500% or higher than 7.12500%.
Even if you make payments on time, can your loan balance rise?
X No ❑ Yes, it can rise to a maximum of $ .
Even if you make payments on time, can your monthly
amount owed for principal, interest, and mortgage insurance rise?
❑ No X Yes, the first increase can be on 11/01/2017 and the monthly
amount owed can rise to $513.00.
The maximum it can ever rise to is $622.72.
Does your loan have a prepayment penalty?
X No ❑ Yes, your maximum prepayment penalty is $ .
Does your loan have a balloon payment?
X No ❑ Yes, you have a balloon payment of $
due in years on .
Total monthly amount owed including escrow account payments
❑ You do not have a monthly escrow payment for items, such as property
taxes and homeowner's insurance. You must pay these items directly
yourself.
X You have an additional monthly escrow payment of $160.88 that results
in a total initial monthly amount owed of $572.12. This includes
principal, interest, any mortgage insurance and any items checked below:
X Property taxes X Homeowner's insurance
X Flood insurance• ❑
❑ ❑
Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form, please contact your lender.
Page 3 of 3 HUD-1
(BROACH PF BAKER.PFD/14-RE-176119)

HUD-1 Attachment
Borrower(s): Tommy A. Broach, Jr.
1930 Reynolds Avenue
North Charleston, SC 29405
Lender: Macon Bank, Inc.
Settlement Agent: Law Offices of Kenneth W. Fromknecht, II, P.A.
[phone]
Place of Settlement: 29 lotla Street
Franklin, NC 28734
Settlement Date: September 24, 2014
Property Location: 466 Coweeta Lake Circle
Otto, NC 28763
Macon County, North Carolina
Adjusted Origination Charge Details
Origination Charge
Origination Fee
to Macon Bank, Inc.
Origination Credit/Charge (points) for the specific interest rate chosen
1,455.00
Total $ 1,455.00
Total $
Adjusted Origination Charges $ 1,455.00
Title Services and Lender's Title Insurance Details
Attorney Fee
to Law Offices of Kenneth W. Fromknecht, II, P.A.
Title
to Investors Title Insurance
1,000.00
246.40
Total $ 1,246.40
Owner's Title Insurance
Owner's Policy Premium
to Investors Title
Total $ 24.10
WARNING: It is a crime to knowingly make false statements to the United States on this or any similar form. Penalties upon conviction can
include a fine and imprisonment. For details see: Title 18 U.S. Code Section 1001 and Section 1010.
(BROACH PF BAKER.PFD/14-RE-176/17)

State of North Carolina
Department of Environment
and Natural Resources
Division of Water Resources
Pat McCrory, Governor
John E. Skvarla III, Secretary
Thomas A. Reeder, Director
A7571
NC.DENR
NORTH CAROLINA DEPARTMENT OF
ENVIRONMENT AND NATURAL RESOURCES
PERMIT NAME/OWNERSHIP CHANGE FORM
I. CURRENT PERMIT INFORMATION:
Permit Number: NCO() I / 1 I or NCG5„ IDII 441
1. Permit holder's name: 111 /1 n6 AM g
2. Facility Name: 46 COW EPril L XE CIQCLE/ D?'T', NC 28 7€ 3
it. NEW OWNER/NAME INFORMATION:
.1. This request for a name change is a result of:
a. Change In ownership of property/company
b. Name change only
c. Other (please explain):
2. New owner's name (name to be put on permit):
f mmtj A. BRoR HH, �'TZ
3. New owner's or signing official's name and title:
RECEIVED/DENR/DWR
OCT 0 6 014
Water Quality
Permitting Section
(Persc r l(eegally responsible permit)
(Title)
4. Mailing address: 6*-49€ i6/ -4v 'C- City: deiiiliti A'41
State: _5c - Zip Code: =j' it'. Phone: ( j3) %09- 9&S
E-mail address: Low 7.n. r A s_ts, �'�''►
THIS APPLICATION PACKAGE WILL NOT BE ACCEPTED BY THE DIVISION UNLESS ALL OF THE
APPLICABLE ITEMS LISTED BELOW ARE INCLUDED WITH THE SUBMITTAL.
REQUIRED ITEMS:
1. This completed application form
2. Legal documentation of the transfer of ownership (such as a property deed, articles of
incorporation, or sales agreement)
[see reverse side of this page for signature requirements]
1617 Mail Service Center, Raleigh, North Carolina 27699-1617 Telephone [phone] FAX [phone]
An Equal opportunity Affirmative Action Employer 50% recycled / 10% post -consumer paper

Applicant's Certification:
I, ,/Din.n4y 'gfvcied/- , attest that this application for a
name/owndrship change has been reviewed and is accurate and complete to the best of my
knowledge. I understand that if all required parts of this application are not completed and that
if all required supporting information and attachments are not included, this application
package will be returned as incomplete.
Signature:
Date:
THE COMPLETED APPLICATION PACKAGE, INCLUDING ALL SUPPORTING
INFORMATION & MATERIALS, SHOULD BE SENT TO THE FOLLOWING ADDDRESS:
NC DENR/DWR/NPDES
1617 Mail Service Center
Raleigh, North Carolina 27699-1617
Version 8/13