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WATERS EDGE HOMEOWNERS ASSOCIATION HANDBOOK

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					WATER’S EDGE HOMEOWNERS ASSOCIATION HANDBOOK Table of Contents Managing Agent……..……………………………………………………………………1 Insurance Agent………………………………………………..………………………….1 Emergency Phone Numbers………………………………………..……………………...1 I. Community Rules……………………………………………………………………..2 A. Appearance of Community…………………………………….………….…..2 B. Parking and Storage………………………………………….………………..3 C. Disturbances…………………………………………………………………...4 D. Utilities, Trash Removal and Charcoal Grills…………………………………4 E. Swimming Pool Rules……………………………………...………………….5 F. Tennis and Basketball Court Rules………………………...…………………..6 G. Animal Policy………………………………………………...……………….7 H. Renters and Guests Policy…………………………………..………………...7 I. Security…………………………………………………………...…………….8 H. General Rules…………………………………………………..………………8 II. Homeowners Responsibilities to Building Maintenance and Repair…….………..8 A. Exterior Building Maintenance and Repair…………………………………...8 B. Interior Maintenance and Repair…………………………………………...…9 III. Winterizing Procedures for Water…………………………………………………9 IV. Collection Policy and Delinquent Fees……………………………………………..9 V. Enforcement of Regulations…………………………………………………..……10

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WATER’S EDGE HOMEOWNERS ASSOCIATION

MANAGING AGENT:

Pegasus Properties Post Office Box 37 Smithville, IN 47458 Phone: 812-824-3230 Fax: 812-824-3240 After hours: 800-593-5008

INSURANCE AGENT:

Frank Eberle 1405 N. College Ave. Bloomington, IN 47408 Phone: 812-332-1431 Fax: 812-331-3230

PHONE NUMBERS: Fire: 812-824-6077 (Perry Fire Department) Emergency: 911 Point Security: 812-824-8940 Monroe County Sheriff: 812-349-2780 Indiana State Police: 812-332-4411 Poison Control: 800-382-9097 Eagle Point Lodge: 812-824-4040 Pegasus Cable TV: 812-824-6901

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WATER’S EDGE COMMUNITY LIVING Welcome to Water’s Edge! As a homeowner or guest, this handbook will assist you to make your stay an enjoyable one. The rules at Water’s Edge are designed to illustrate and define courteous and neighborly living. Your cooperation and participation regarding these rules will enhance the beauty and maintain the quality which enables Water’s Edge to be a community of which we can all be proud. I. COMMUNITY RULES A. APPEARANCE 1. Except for original construction, no building, fence, sidewalk, drive, walk or other structure shall be erected, installed, placed, altered or maintained, nor shall any exterior addition be made to any building without prior written approval as provided in the condominium documents. 2. No entrance, stairway or any other portions of the common areas shall be decorated by any owner or occupant without prior written consent of the Board of Directors. 3. No article shall be placed in the entrance or stairways, nor shall anything be hung or shaken from the balconies or placed upon the windowsills of the buildings. No clothing or other article, including bathing suits or towels, shall be hung in common areas or in private patios. 4. Each owner shall keep such owner’s condominium unit in good state of preservation and cleanliness and shall not sweep or throw or permit to be swept or thrown there from, or from the doors, decks or windows thereof, any dirt or other substances. However, the owners shall keep all decks and private walkways clean. 5. No exterior shades, awnings, window guards, ventilators, fans or air conditioning devices shall be used in or about the buildings, common areas, balconies or private patios except such as shall have been approved by the Board of Directors after an Architectural Change Request Form has been submitted by the owner. 6. No radio, television antenna, or satellite TV dishes shall be attached to or hung from the exterior of the buildings without prior written approval of the Board of Directors. 7. Firewood shall be stored on the lake-side and shall be limited to one (1) rick. No firewood shall be placed in entrances, stairways, street-side decks or common areas. Wood should be stored off the ground in a metal rack or box, and should not contact the building or deck directly.

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8. No sign of any kind shall be displayed to the public view from any unit or from the common areas and facilities, including for sale or for lease signs. 9. Exterior changes to enhance your condo may proceed only after the Board of Directors has approved an Architectural Change Request Form filled out by the owner. B. PARKING AND STORAGE 1. No golf carts, bicycles, scooters, baby carriages, or similar vehicles, toys or other personal articles shall be allowed to stand in the entrances, stairways, street-side decks, or common greens of the buildings. Such items shall be placed on the lake-side decks, in storage areas or inside the unit. 2. No vehicle belonging to any owner or to a member of the family or guest or employee of any owner shall be parked in such a manner as to impede or prevent ready access to another owner’s driveway or parking space. The owners, their employees, servants, agents, visitors, licensees and the owner’s family will obey any posted parking regulations, and any other traffic regulations published in the future for the safety, comfort, and convenience of the owners. 3. An owner must not permit his guests or members of his family to use parking spaces assigned to other owners, if any, or to park in driveways of other units, which blocks use of private garages. 4. No boats, campers, motorcycles, travel trailers and boat trailers, mini-bikes, or other such items shall be parked or stored in automobile parking areas or any other part of the property other than such special areas as may be established for storage of such items. Violators will be towed at owner’s expense. 5. No parking on the streets proper because it impedes the movement of traffic, including the possibility of emergency vehicles. Violators will be towed at owner’s expense. 6. There is a limitation that boats, large RVs, campers, trailers, and like vehicles cannot be parked on the premises except in cases of arrival or departure, and then, the time should be limited to no more than two (2) hours. 7. Major vehicle repair and any repairs to cars other than the owner’s is prohibited. Only minor emergency repairs are allowed. All oil and other automotive fluids must be disposed of properly and pavement surface must be maintained free from litter and oil or fluid residue whether or not due to repair activities.

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8. Vehicles exhibiting expired or no license plates, broken windshields or lights will be tagged and towed at owner’s expense. 9. Parking on grassy or landscaped areas is prohibited. Violators will be towed at owner’s expense. C. DISTURBANCES 1. No owner shall make or permit any noises that will disturb or annoy the occupants of other units. Nor shall they do or permit anything to be done which will interfere with the rights, comfort, or convenience of other owners. 2. Report disturbances to Pointe Security (824-8940), Monroe County Sheriff (911 – emergency, 349-2780 – non-emergency), or Indiana State Police (911- emergency, 3324411 – non-emergency). 3. No hunting or discharge or firearms shall be permitted. 4. No noxious or offensive activity shall be carried on in any unit, or in the common area and facilities. 5. Nothing shall be altered, constructed, or removed from the common areas and facilities except upon written consent of the Board of Directors. 6. Nothing shall be done or kept in any unit or in the common areas which will increase the rate of insurance. D. UTILITIES, TRASH REMOVAL, AND CHARCOAL GRILLS 1. All garbage and trash shall be deposited inside the dumpsters located behind the pool and tennis courts. 2. Large items such as old gas grills, bedding, etc. must be placed inside dumpsters. 3. No owner shall interfere in any manner with any portion of the common lighting apparatus or about the building. 4. Toilets and other apparatus in the buildings shall be maintained and shall not be used for any purposes other than those for which they were constructed. Any damage resulting from misuse of any toilet or other apparatus shall be the financial responsibility of the at-fault owner.

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5. Owners must insure that a temperature of at least 60 degrees Fahrenheit be maintained in their unit throughout the cold season to prevent freezing of pipes. (Remember, when you leave, turn the thermostat to ‘heat’ and the temperature to 60F). 6. Unit appliances are the sole responsibility of the unit owner. Assistance in contacting a reputable and authorized repairman may be obtained by contacting the managing agent. 7. No charcoal grills or fire pits are allowed. Electric and gas grills may be operated on decks, balconies, or walkways. E. SWIMMING POOL RULES 1. Water’s Edge I owners and guests only may use the pool. Keys are required for entrance at all times. Unauthorized use of keys may result in loss of use of amenities. (We currently have a contract with Waters Edge II to allow their owners use of the pool in return for an annual fee.) 2. All persons swim at their own risk. The Association is not responsible for personal injury. 3. Lost keys result in a $50.00 replacement fee. Contact the managing agent to receive a new one. 4. Gate must be locked at all times. 5. Children under 16 years of age must be accompanied by an adult at all times. 6. Proper swimming attire is required in the pool (no cutoff jeans, babies with regular diapers, etc.) 7. Running, horseplay, dunking or undue splashing is prohibited. 8. No boom boxes are allowed. Only personal listening devices with earphones or ear buds are permitted. 9. If there is a problem with pool equipment or misconduct by users, contact Pointe Security. 10. As per state law, no pets in the pool area. 11. No glass or breakable containers in the pool area.

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12. Each person is responsible for keeping the pool area clean. Use the receptacles provided. 13. A safety rope with floats attached will demarcate the deep end of the pool. It must not be used to sit or swing on, or interfered with at any time. 14. Spitting or blowing one’s nose is not permitted in the pool. Any person having a cold or other communicable disease must not use the pool. 15. The pool may not be reserved at any time. 16. Additional rules including pool hours are posted at the pool. 17. These rules are for your safety and enjoyment. The Association has complete authority to expel or deny admittance to any person violating the rules or who is guilty of improper conduct. 18. Use of any and all recreational facilities of Water’s Edge Homeowners Association will be denied to a unit owner who is delinquent in any payment due the association until the delinquency is cleared. In the case of leased units, this prohibition shall apply to the lessee until such time as the owner has cleared any delinquency.

F. TENNIS COURT and BASKETBALL RULES 1. Waters Edge owners and guests only may use the tennis courts and basketball goal. 2. White soled tennis shoes only on courts. 3. No activity other than tennis or basketball is permitted on the court surface. 4. Play is limited to one (1) hour when others are waiting. 5. Hours are from 9AM to 9PM 6. If court rules are not being followed, contact Point Security. 7. Gate must be locked at all times.

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8. Use of any and all recreational facilities of Water’s Edge Homeowners Association will be denied to a unit owner who is delinquent in any payment due the association until the delinquency is cleared. In the case of leased units, this proscription shall apply to the lessee until such time as the owner has cleared any delinquency. G. ANIMAL POLICY 1. Pets are not allowed in rental units. 2. Per Monroe County ordinance, all pets must be kept on a leash at all times when outside. 3. Pets may not be tied or chained outside at any time, or left in a confined area on a deck. 4. Owners and guest shall not let pets urinate on trees, plants or foliage in living areas, including common grounds. 5. Animal deposits must be removed so that others may enjoy a clean environment. 6. Owners shall be responsible for the actions of their pets (including barking) and of guest’s pets. Pets shall not impact the quiet enjoyment of other units. 7. No pets may be kept unsupervised on any decks. 8. Owners are responsible for all damages to persons or property caused by their pet. 9. Failure to abide by these pet management rules will result in a warning letter. A second offense during the same calendar year will result in a $50 fine, with the fine increasing to $100 per incident for subsequent offenses during the same calendar year. H. RENTERS AND GUESTS POLICIES 1. It is the owner’s responsibility to provide these rules to their rental agent, and it is, further, the owner’s responsibility to see that their renters and guests are made aware of the rules. 2. Occupancy of rental units shall be limited to two persons per bedroom. 3. Rental units cannot be used for large parties, business meetings or other large gatherings.

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4. If renters or guests fail to follow these rules, the managing agent and/or Pointe Security, acting on the Board’s behalf, has the right to pursue the action necessary to cause the offending renters or guests to leave or relocate. I. SECURITY 1. Pointe Services maintains a daily guest log at the Security gate to protect your privacy. They will admit no one unless you provide them with the names of your invited guests. Security is the responsibility of each and every one of us. Please notify Pointe Security of any unusual activities. J. GENERAL 1. Owners shall be held responsible for the actions of their family, their guests, and their pets. 2. Complaints regarding the service of buildings and grounds or regarding actions of other owners shall be made in writing to the Board of Directors or to the managing agent. 3. These Homeowners Association rules may be added to, or repealed, at any time by the Board of Directors 4. You, as an owner, have the right to question the presence of others that you feel might not belong in the pool or tennis court/basketball areas. Please notify Pointe Security of any such person. 5. The condominium property shall be used for single family residential purposes and for no other purpose. II. HOMEOWNERS RESPONSIBILITIES TO BUILDING MAINTENANCE AND REPAIR A. EXTERIOR BUILDING MAINTENANCE AND REPAIR 1. Notify the managing agent in writing of all building repairs that are the responsibility of the association. No owner shall make exterior repairs without written permission of the Board of Directors after submission of a Maintenance Repair Form. 2. The Board of Directors will not authorize payment for repairs unless they have approved the repair in writing.

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B. INTERIOR MAINTENANCE AND REPAIR 1. Each unit owner shall maintain, repair, and replace at his sole cost and expense all portions of his unit which may become in need, including the heating and air conditioning system (including filters for each unit). 2. Each unit owner shall further be responsible for all damage to any and all other units and/or common areas and facilities that his failure to maintain, repair and replace (see II.B.1 above) may engender. 3. You, the owner, have the responsibility to furnish Pointe Security with a key to your unit if a new lock is installed. III. WINTER PROCEDURES FOR WATER Before you leave your unit for any extended period of time, please take the actions below in the order listed. 1. Turn off your electric water heater at the electric panel or adjust your gas water heater to the ‘vacation’ setting. 2. Turn off the water at the main valve in your condo. 3. Flush the toilets. 4. Set your thermostat to ‘Heat’ and set it at no less than 60 degrees Fahrenheit. 5. Open all under-sink cabinet doors, and doors to the laundry room and baths. 6. Close all exterior windows. 7. Close the fireplace damper. 8. Optional: Consider turning off your icemaker to avoid wear and tear. IV. COLLECTION POLICY AND DELINQUENT FEES 1. All fees are due and payable on a quarterly basis. Fees are due no later than the last day of the first month of each quarter. Fees may be paid semi-annually, or annually, but still must be paid by the end of the first month of the quarter.

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2. The by-laws of Water’s Edge Homeowners Association empowers the Board of Directors to take whatever legal action is necessary to collect these past due fees and recovery of all other expenses incurred, including legal fees. 3. The following collection policy for owners that are delinquent in paying their Water’s Edge Homeowners Association dues and any fines that have been levied is designed to be easily understood by all parties and easily executable. The policy is a two stage collection effort. 4. Stage One: Any homeowner who is 30 days delinquent in paying the association dues and fines will be sent a letter from the Managing Agent reminding them of their financial responsibility. A fifty dollar ($50) late fee will be assessed with this billing. 5. Stage Two: Any homeowner who has not paid all dues and fines to a current status after 90 days will be turned over to a collection attorney and will be subject to all collection fees. 6. Should, for any reason, collection fails through Stage Two, then a mechanic’s lien will be placed upon the unit in the amount of the assessment for the entire year plus fines and attorney fees. An additional fee of one hundred dollars ($100) will be assessed to cover the filing fee. This action will be taken without further notice to the owner. V. ENFORCEMENT OF REGULATIONS Enforcement of the regulations is one of the most delicate problems which the community must handle. However, in the interest of the community as a whole, enforcement becomes a matter of necessity. Therefore, unless otherwise noted above, violations of the rules and regulations will be treated as follows: 1. Owners will be issued a written notice of the violation and be given the opportunity to correct the situation. In the case of a vehicle or item in which the ownership cannot be determined, the particular item will be marked. Owners who rent their property bear the same responsibility as those ‘in residence’ owners. 2. Should the violation continue, or be repeated, a second written notice will be issued. Such notice will carry with it a fifty dollar ($50) special assessment. 3. A third such notice will carry with it a hundred dollar ($100) special assessment. 4. Any and all successive notices will carry with it a two hundred fifty dollar ($250) special assessment and the Association attorney will be notified.

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5. Special assessments levied by the Association for violation(s) of established rules and regulations shall be a charge on the land and shall be a continuing lien against the property against which each assessment is made. 6. The cost of repairing damage to the grounds caused by cars, dogs, children, or any other means is the sole responsibility of the owner and will be subjected to the same rules of enforcement as would any other problem.

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