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This document is a copy of an expert witness report dated 17 Dec 2021 submitted in the case BankUnited, N.A. v. Midland National Life Insurance Company, Ravneet Chowdhury, Estate of Anand Chowdhury aka Anandpreet Chowdhury, and Leslie S. Osborne for the benefit of creditors of Miami Perfme Junction, Inc. in the Circuit Court of the 11th Judicial Circuit in and for Miami-Dade County, Florida, that was prepared by Charles Carter Morgan (US8890).

This report was withdrawn when the law firm refused to pay for it. It was replaced by a second report dated 31 Jan 2021.

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