Michelle H. Clark, P.A.

390 North Orange Avenue, Suite 2100

Orlando, Florida 32801

Telephone (407) 420-4660

Facsimile (407) 422-6858

___________

May 14, 2004

Via Facsimile (407) 660-9422

Robyn Severs Braun, Esq.

Taylor and Carls, P.A.

850 Concourse Parkway South, Suite 105

Maitland, Florida 32751

            Re:  Cross Tie Ranch HOA, Inc.

Dear Ms. Braun:

As I stated in my May 10^th letter, your client has failed to disclose material terms of the loan in question, including but not limited to the lending institution and any security used to collateralize the loan.   This letter will, therefore, serve as my second written request for the disclosure of the loan documents. 

Under Chapter 720, Fla. Stat., meetings between the Board of Directors and their attorney are closed to homeowners only in those circumstances where attorney client privilege would extend.  The ministerial execution of pre-negotiated loan documents does not fall under such privilege.  The position that the acceptance of the loan package on May 10^th and the terms contained therein was and remains privileged is baseless.

Further, I am again requesting the names of all Board members who participated in the May 10^th meeting.   

                                                Sincerely,

                                                            Michelle H. Clark

cc:  Raymond J. Hoyda

       Claudia J. Hoyda