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This document is a copy of an expert witness report 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, 31 Jan 2022 that was prepared by by Charles Carter Morgan (US8890).

This report was tendered in lieu of the first report dated 17 Dec 2021 which was withdrawn when the law firm refused to pay for that earlier report.

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