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LOCH LOMOND BEACH CLUBPOLICY AND PROCDURES MANUAL

SUBJECT: CONFLICT OF INTEREST POLICY#: 1 EFFECTIVE DATE: 4/16/2011REVISED: PAGE: 1 POLICY:

The Board of Directors and employees shall use their best efforts at all times to make decisions that are consistent with high principles, and to protect and enhance the value of properties of the members and LLBC. All Directors and employees shall exercise their power and duties in good faith and in the best interest of, and loyalty to LLBC. All Directors and employees shall comply with all lawful provisions of the Covenants and Restrictions, Constitution and By-laws, Policies and Procedures.

A conflict of interest exists whenever any contract, decision or other action taken by or on behalf of the Board would financially benefit: a Director, a Director’s relative, an employee, an employee’s relative or an entity in which a Director or employee has a personal financial interest.

Any conflict of interest, as defined above, shall be verbally disclosed to the Directors in open session at the first open meeting of the Board of Directors at which the interested Director or employee is present prior to any discussion or vote on the matter. After disclosure, the interested Director or employee may participate in the discussion, but shall not vote on the matter.

PROCEDURE: The minutes of the meeting shall reflect the disclosure made, the abstention from voting, the composition of the quorum and record who voted for and against.Code of Ethics: In addition to the above, each Director and the Board as a whole and employees shall adhere to the following:

1. No contributions will be made to any political parties or political candidates by LLBC.

2. No Director or employee shall solicit or accept, directly or indirectly, any gifts, gratuity, favor, entertainment, loan or any other thing of monetary value from a person who is seeking to obtain contractual or other business or financial relations with LLBC.

3. No Director or employee shall accept a gift or favor made with intent of influencing decision or action on any official matter.

4. No Director or employee shall willingly misrepresent facts to the members of the community for the sole purpose of advancing a personal cause or influencing the community to place pressure on the Board to advance a personal cause.

5. No Director or employee shall interfere with a contractor engaged by LLBC while a contract is in progress. All communications with LLBC contractors shall go through the Board President or be in accordance with policy.

6. No Director or employee shall harass, threaten or attempt through any means to control or instill fear in any member, Director, employee or agent of LLBC.

7. No promise of anything not approved by the Board as a whole can be made by any Director or employee to any subcontractor, supplier, or contractor during negotiations.

8. Any Director convicted of a felony shall voluntarily resign from his/her position.

9. No Director or employee shall knowingly misrepresent any facts to anyone involved in anything with the community which would benefit himself/herself in any way.

10. Director or employee shall receive any compensation from LLBC for acting as a volunteer.

Any contract entered into in violation of this policy shall be void and unenforceable. In such event, the Board, at the next meeting of the Board, shall vote again on the contract, decision or other action taken in violation of this Policy.

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LOCH LOMOND BEACH CLUBPOLICY AND PROCEDURES MANUAL

SUBJECT: PURPOSE OF MANUAL POLICY #: 2 EFFECTIVE DATE: 10/89 REVISED: 06/03/2011 PAGE: 1

POLICY:

In every organization it is necessary to establish a framework within which the efforts of the members, management, and elected leaders can be directed in a manner to advance the objectives of both the overall organization and the interests of the individual members. This Policy and Procedures Manual has been designed to be a working guide for current and future Board of Directors and club management to aid them in administration of Loch Lomond policies and procedures. These written guidelines should increase understanding, reduce the need for personal interpretations, and help ensure uniformity with administration.

Any policy, however properly formulated, is only as good as its implementation. The key to the implementation of policy is the Board of Directors on Board related issues and club management on club operational issues. It is, therefore, your duty to apply these policies and procedures consistently and fairly.

If club members or club management have any problems or suggestions regarding the policies and procedures in this manual, they should contact a member of the Board of Directors.

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SUBJECT: DISTRIBUTION OF MANUAL POLICY #:3 EFFECTIVE DATE: 10/89 REVISED: 8/21/10 PAGE 1

POLICY:

This manual is being distributed to each Loch Lomond member of the Board of Directors and to the Club Manager. Each director and the manager is assigned a numbered manual and is responsible for it. A copy is maintained at the Beach Club desk and is available for members’ review. The secretary of the Board of Directors is responsible for collecting manuals when a manual holder leaves their position, assuring they are updated and current, and re-issuing to new Board members or club managers.

PROCEDURE:

Any Board of Director member or Club Manager who leaves his position should return their respective manual to the secretary of the Board.

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SUBJECT: UPDATING MANUAL POLICY #: 4 EFFECTIVE DATE: 10/89 REVISED: July 23, 2016 PAGE 1

POLICY:

The foundation for this Policy and Procedures Manual is the Loch Lomond Beach Club By-laws, Covenants and Restrictions. In order to provide further guidance in administration of the Loch Lomond Beach Club, it will be necessary to create new Policies and Procedures and/or update existing Policies and Procedures.

A simple majority of the total duly elected Board of Directors may approve a new policy or revised policy by vote at a regularly scheduled Board of Directors meeting.

PROCEDURE:

All approved policies will be recorded by the secretary in the minutes of that meeting.

The secretary will assure that the approved policies are typed in the policy and procedure format, and distributed to Policy and Procedures Manual holders within 30 days of the approved date.

Periodically, the secretary will update and reissue an updated log to be placed in the front of each manual.

Periodically, the secretary will update and distribute revised table of contents.

Prior to the beginning of every third year, beginning 2014 (April 1st), the secretary will audit and update as necessary in order to assure that they are current for the coming fiscal year.

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LOCH LOMOND BEACH CLUB POLICY AND PROCEDURES MANUAL

SUBJECT: ANNUAL MEETING POLICY #: 5 EFFECTIVE DATE: 11/10/90 REVISED: 05/7/2016 PAGE 1 ATTACHMENT: A POLICY:

The annual meeting of the Loch Lomond Beach Club, Inc. shall be held at 2754 28 th Street, Birchwood, Wisconsin on the second Saturday in June of each year.

PROCEDURE:

1. Notice of the annual meeting of the corporation shall be in writing to each regular member appearing on the books of the corporation not less than ten days prior to the meeting.

2. Business conducted at the annual meeting shall consist of:

a. Election of directors when vacancy appears

b. Membership approval of annual budget

c. Any business that properly comes before the Board

3. Regular member may cast one vote per each Maintenance Assessment paying lot owned.

4. Associate members may attend the annual meeting as spectators.

5. Regular members will check-in upon arriving at meeting to receive proper number of ballots.

6. See Attachment A for format of annual meeting.

7. Robert Rules shall apply.8.Following the annual meeting, there shall be a short Board meeting to transact any appropriate business.

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LOCH LOMOND BEACH CLUBPOLICY #5 ATTACHMENT A

ANNUAL MEMBERSHIP MEETING AGENDA

I. Call to Ordera. Recognition of Quorum

II. Secretary’s Reporta. Approval of last year’s minutes b. LLBC By- Laws and Policy updates made since last Annual Meeting

III. President’s ReportIV. Treasurer’s Report

a. Approval of Financial Report and Budget V. Employee Introductions and Club Manager’s Report VI. Facility and Maintenance Report

A. Capital ImprovementsB. Repairs and Maintenance

VII. Architectural and Planning Report VIII. Membership Report IX. Communications Report X. Social Activities Report XI. Long Range Planning Report XII. Old Business XIII. New Business XIV. Board Elections XV. Adjournment

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SUBJECT: ANNUAL MAINTENANCE ASSESSMENT POLICY #: 6 EFFECTIVE DATE: 5/12/90 REVISED: 12/14/2013, 07/23/16 PAGE 1 OF 2 ATTACHMENTS: A,B,C

POLICY:

All owners of member lots in the Loch Lomond Beach Club, Inc. will be assessed an annual maintenance assessment (to be identified as MA) in order to provide funds to operate and maintain the common property and facilities.

PROCEDURE:

1. The amount of the MA will be based upon the budget and approved on an annual basis by the Board. 2. Property owner rates (multiple lot discounts apply only after payment on the full rate lot has been paid)

First lot - full rate Second lot - 50% of full rateAdditional lots- 25% of full rate

All lots retain their current classification (1st lot, 2nd lot, additional lots) as of April 1st until the next fiscal year.Lots listed as any type of trust, company or corporation must have on file with the Loch Lomond Beach Club theperson, along with their current address, responsible for payment and be designated on the membership card. (Attachment A)

If a lot has multiple owners listed on the deed (other than spouses), one owner must be designated individual responsible for payment of the maintenance assessment and a current address for that individual must be on file. (Attachment 6A). All listed owners are members and membership cards for all owners can be sent to the owner responsible for payment if so requested. Only one statement per lot will be sent.

3. Non-voting developers: Developer who owns 10 or more lots for the purpose of resale or speculative building will not be required to pay MA provided: they or their families do not make any personal use of any of the land or club facilities; allow other persons to camp, place a trailer upon, or utilize the lots for any purpose with or without payment; maintain the payment of county property taxes, and maintain the property in good order. Should any of the foregoing occur, the developer status shall be forfeited and regular MA will be required. Persons wishing to be classified as non-voting developers, must receive approval for such status from the Board of Directors of Loch Lomond Beach Club, Inc.

4. All current property owners of the preceding year will be mailed a notification of the MA for the next fiscal year (April1 – March 31st) no later than March 31st.

An early discount may be offered to those members owning property prior to April 30 th. The total amount must be paid by April 30th. Multiple lot discounts will be allowed only on lots that are titled identically. i.e., Husband and wife on one lot, husband only on second lot will not qualify for multiple lot discount.

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ANNUAL MAINTENCE ASSESEMENT POLICY #6 PAGE 2 OF 2

5. Persons who become property owners during the fiscal year will be assessed the MA on that portion of the fiscal year that they own the property. Succeeding years MA shall not be prorated.

Closings between the 1st of the month and the 15th of the month will be considered a full month. Closings between the 16th of the month and the end of the month will be considered one half month.

Purchase of property after April 30th is pro-rated on the full amount of the Maintenance Assessment

6. Property owners who do not pay their MA(s) by May 15th, may not use any of the club's facilities or services (i.e., clubhouse, pool, tennis courts, docks, boat landing, garbage dumpsters, etc.) until the MA is brought current on all lots owned.

7. Any MA unpaid by August 15th will be considered delinquent. A past due letter (Attachment 6b) will be mailed to the owner of record. If there is no response from the member by September 15 th a lien will be filed on the property and a letter notifying the member of the lien will be mailed (Attachment 6c) per Policy #8.

8. As of March 31st any past due balance not listed with the Collection Agency will be assessed interest on the past due Maintenance Assessment(s) at a rate of 6% per year.

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RESPONSIBLE PARTY FORM

DATE___________________________________________

LOT___ BLOCK ___ DIVISION ___ SUBDIVISION______

OWNERS LISTED ON THE RECORDED DEED ON FILE AT LLBC

Member Name

The member listed below has been designated the responsible party for paying the annual maintenance assessment, receiving the membership card(s), paying any charges made against the lot listed and receiving any correspondence sent by the Loch Lomond Beach Club, Inc.

Name____________________________________________________________

Mailing address____________________________________________________

City____________________________State_______Zipcode________________

Telephone number_________________________________________________

Verification by all listed owners - Please have all listed owners sign below.

________________________________________________________________

________________________________________________________________

________________________________________________________________

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LOCH LOMOND BEACH CLUBPOLICY # 6 ATTACHMENT B

OVERDUE MAINTENANCE ASSESSMENT LETTER

Date

Member NameMember AddressMember City, State, Zip

Dear Member Name,

I am a director of the Loch Lomond Beach Club, Inc. (the “Club”), a Wisconsin non-profit corporation. You are a member of the Club because of your ownership interest in the below described property:

Lot:

Block:

Division:

The lot is subject to a Declaration of Covenants and Restrictions of record that creates an obligation for payment of an annual Maintenance Assessment set by the Board of the Club. The By-laws of the Club make you liable for payment of this assessment.

The Club’s records disclose that the Maintenance Assessment in the amount of $(current MA) of the ____ fiscal year billed March and due by (date) has not been paid and is delinquent.

Demand is hereby made by the Club for payment of the sum of $ (current MA) representing the delinquent Maintenance Assessment. If such sum is not paid by September (date) or no other arrangements have been made, the Club will have initiate collection proceedings. Please act now to reinstate your membership privileges, and avoid this collection process.

Sincerely,

______________________(Board Member), TreasurerLoch Lomond Beach Club, Inc.

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LOCH LOMOND BEACH CLUBPOLICY # 6 ATTACHMENT C

NOTICE OF LIEN ON PROPERTY LETTER

Date

Member NameMember AddressMember City, State, Zip

Dear Member Name,

The (current fiscal year) Maintenance Assessment in the amount of $(current MA) was not received by (date from past due letter) as requested in the past due letter that was sent to you dated (past due letter date).

A lien in the amount of $(current MA + filing fee) has been filed on Lot___ Block____ Division ____ or Subdivision ____ at the Barron County Courthouse. The amount includes the balance of (current fiscal year) Maintenance Assessment plus the cost involved in filing the lien.

If the $(current MA + filing fee) for the current year now owed on Lot ___ Block ____ Division ___ is not paid by October 31, (current year) further collection actions can be commenced, including collection agency or foreclosure action. If payment in full is received by October 31, (current year) the lien will be lifted.

Sincerely,

____________________(Board member), TreasurerLoch Lomond Beach Club, Inc.

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SUBJECT: ASSOCIATE MEMBERSHIP POLICY: 7 EFFECTIVE DATE: 11/10/90 REVISED: 7/15/2015 PAGE 1

POLICY:

The Loch Lomond Beach Club will begin offering new Associate Memberships effect July 15, 2015. Associate Memberships entitle cardholders to all Loch Lomond Beach Club privileges, except voting rights at the Annual Meeting.

PROCEDURE:

1. The Board shall have the right to revoke any Associate Memberships for violation of Loch Lomond Beach club rules and regulations.

2. Annual Associate Membership Maintenance Assessment shall be 178.5% of regular annual membership Maintenance Assessment amounts.

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SUBJECT: LIEN POLICY #: 8 EFFECTIVE DATE: 5/12/90 REVISED: 12/14/2013 PAGE 1

POLICY:

Loch Lomond Beach Club may file a lien against property where the Maintenance Assessment is past due.

PROCEDURE:

1. Property owners who do not pay their Maintenance Assessment (MA) by August 15 th of the fiscal year will receive a Past Due letter stating payment must be received by 30 days from the date of the letter or lien proceedings will begin.

2. If payment is not received by the set date (see above) and no payment arrangement has been made, a lien will be filed with Barron County in the amount of the current MA or the balance of the current years’ assessment plus a $35 (plus mailing costs) lien fee.

3. A lien letter will be sent stating a lien has been filed on the property and if payment is not received 30 days from the date of the letter and no payment arrangements have been made the account may be turned over for collection.

4. Property owners who have had a previous lien (s) and are again delinquent will be subject to a lien (s) amendment that identifies interest and additional maintenance assessment in the lien (s).

5. Initial liens and amended liens will be directed by the Club Treasurer and referred to the Assistant Treasurer for filing on an annual basis.

6. Property owners who do not pay their Maintenance Assessment by October 15 th of the fiscal year may be subject to further legal action. This could include liens, small claims court, judgments or foreclosure action.

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SUBJECT: ANNUAL BUDGET POLICY #: 9 EFFECTIVE DATE: 1/13/90 REVISED: 06/03/2011, 07/23/2016 PAGE 1 ATTACHMENT: A, B

POLICY:

The annual budget of The Loch Lomond Beach Club (aka "The Woods") will provide for: The operation and maintenance of the Loch Lomond Beach Club and other common facilities owned by the organization; the establishment of depreciation schedules for capital items and their replacement. The annual budget and Maintenance Assessment are approved by the membership at the annual June meeting.

PROCEDURE:

1. The Board of Directors will prepare an annual budget (see Attachments 9A and 9B) in September and October for the fiscal year beginning April 1st and ending March 31st.

2. The budget will include provisions for the replacement of capital items.3. The Board will give preliminary approval of the budget and Maintenance Assessment pending final approval by

the voting membership.4. The Board will present the budget for final approval by the voting membership at the annual meeting at the Loch

Lomond Beach Club in June of the current fiscal year.5. The Board will monitor the budget by comparing expenditures to projected costs and take necessary action to

remain within the budget.6. In case of unusual or catastrophic occurrences, the Board will take action within the interest of the organization

and report to the membership as soon as possible.

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LOCH LOMOND BEACH CLUB

ANNUAL BUDGET POLICY: #9 ATTACHMENT: A-1

# 2016-2017 Income Reserve Fund Assessments $ 42,981

I01 Current Assessments $ 230,500 I02 Past Due Assessments I04 Dock Fees $ 27,200 I05 Store Sales $ 43,000 I06 Sales Tax $ 2,700 I07 Interest on Liens I08 Interest on CD's $ 2,500 I09 Interest on Savings $ 850 I10 Patronage Dividends I11 Misc. Income $ 5,500 I12 Waste Area Reimb. $ 1,600 I13 Activities Income $ 3,300 I14 Pontoon Rental $ 5,700 I15 Donations/Pavers I16 Gain on Sale of Assets $ 1,000 I17 Land Sales Income I18 Land Contract Interest $ 300 I19 Transfers from Reserves $ 60,000

Total Income $ 427,131

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LOCH LOMOND BEACH CLUB

ANNUAL BUDGET POLICY: #9 ATTACHMENT: A-2(2pages)

Expenses

Operating Expenses

A01 Wages & SS $ -

A01A Manager $ 51,000

A01B Assistant Treasurer $ 16,500

A01C Beachclub Staff $ 24,000

A01D Maintenance Staff $ 16,000

A01E Waste Area Staff $ 8,900

A03 Social Security & Medicare $ 9,600

A04 Unemployment

A05 Income Tax $ 2,500

B03 Accounting/Bookkeeping $ 5,000

B04 Legal $ 5,000

C01 R.E & P.P. Taxes $ 24,800

C02 Insurance $ 12,500

D01 Clubhouse Supplies $ 4,300

D02 Office Supplies $ 950

D03 Printing $ 1,500

D04 Office Equipment $ 2,000

D05 Postage $ 1,500

D07 Cleaning Supplies $ 550

E02 Electricity $ 6,000

E03 Propane $ 6,500

E04 Telephone $ 2,075

E05 Garbage Removal $ 8,580

F01 Board of Director Expense $ 900

F02 Annual Meeting $ 1,050

F03 Activities $ 2,000

F04 Employee Mileage $ 2,000

F05 Employee Education $ 700

G01 Sales Tax Paid $ 2,500

G02 Purchases for Resale $ 28,500

H01 Clubhouse Interior $ 4,500

H02 Clubhouse Exterior $ 3,500

H03 Grounds & Security $ 8,500

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H04 Equipment $ 2,800

H05 Pool Maintenance $ 5,000

H05a Pool Chemicals $ 4,750

H06 Tennis Courts Expense

H07 Shuffleboard Expense $ 1,350

H08 Docks Maintenance $ 5,000

H09 Opening & Closing Expenses $ 3,000

H10 Pontoon Maintenance $ 800

J01 Miscellaneous Expense $ 2,500

J02 Donations & Memberships $ 600

J03 Fundraiser Expenses

J04 Land Sales Expense $ 2,500

Total Operating Expenses $ 292,205

Net $ 134,926

Capital Expenses:

T01 Pool & Deck Furniture $ 2,500

T02 Grounds $ 4,000

T04 Interior Furniture $ 750

T05 Locker Room

T08 Vehicle Storage Area

T11 Asset Replacement Reserve $ 17,176

T12 Other Capital Improvements $ 15,000

T13 New Docks $ 92,000

T14 Pool Repair

T16 Upper Deck

T17 Splash Pad

T17a Pool Renovation

T18 Playground Equipment $ 3,500

T19 Carpet

T20 Other Furniture

T21 Great Room

T22 Pontoon

T25 New Equipment

Total Capital Expenses $ 134,926

Total Expenses $ 427,131

Net Income (Expense) $ -

LOCH LOMOND BEACH CLUB17

POLICY# 9 ATTACHMENT BCHART OF ACCOUNTS PAGE: 1

CATEGORYAssets:Cash & InvestmentsAccounts ReceivableLand Contracts ReceivableFixed AssetsCapital Credits

LiabilitiesAccounts PayableDeferred Gain on Sale of LandPayroll Liabilities

Equity:Contributed CapitalDesignated Retained EarningsRetained EarningsUndesignated Retained EarningsNet Income

Revenues:101 ASSESSMENTS103 ASSOCIATE MEMBERSHIPS104 DOCK FEES105 STORE SALES106 SALES TAX107 INTEREST ON LIENS108 INTEREST ON CD’s109 INTEREST ON MM & SAVINGS110 PATRONAGE DIVIDENDS111 MISCELLANEOUS INCOME112 WASTE AREA REVENUE113 ACTIVITIES REVENUE114 PONTOON RENTAL115 DONATIONS116 GAIN ON SALE OF FIXED ASSET118 LAND CONTRACT INTEREST119 TRANSFER FROM RESERVES

Expenses:A01-A05 WAGESA05 INCOME TAXB03 ACCOUNTINGB04 LEGALC01 TaxesC02 INSURANCED01 CLUBHOUSE SUPPLIESD02 OFFICE SUPPLIESD03 PRINTINGD04 OFFICE EQUIPMENTD05 POSTAGED07 CLEANING SUPPLIESE02 ELECTRICITYE03 PROPANEE04 TELEPHONEE05 GARBAGE REMOVALF01 BOARD OF DIRECTOR EXPENSEF02 ANNUAL MEETINGF03 ACTIVITIESF04 EMPLOYEE MILEAGEF05 EMPLOYEE EDUCATIONF06 LONG RANGE PLANNINGG01 SALES TAX EXPENSEG02 PURCHASES FOR RESALEH01-H8, H10 REPAIRS AND MAINTENANCEH09 CLUB/OPEN/CLOSE/LICENSESJ01 Miscellaneous ExpenseJ03 FUNDRAISER EXPENSESJ04 LAND SALES EXPENSEJ05 DONATIONS & MEMBERSHIPST01-T18 CAPITAL EXPENDITURES


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SUBJECT: DEPRECIATION POLICY #: 10 EFFECTIVE DATE: 5/12/90 REVISED: 09/17/2011 PAGE 1 ATTACHMENT: 10A

POLICY:

Depreciation schedules will be established for all capital items in order to budget for their replacements on a timely basis.

PROCEDURE:

1. The planned replacement of capital items will be the responsibility of the Long Range Planning Committee.2. A capital item is one that has a minimum cost of $3,500 and an anticipated life of 3 years or more.3. Depreciation Schedules of capital items will be reviewed by the Board. (Attachment #10A)4. Budgets starting 1991 will have a capital item replacement category based on the preceding depreciation

schedule.5. The planned replacement of capital items will be a part of the building and maintenance budget proposal.

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SUBJECT: COVENANT COVERAGE OF TAX DEED LOTS POLICY #: 11 EFFECTIVE DATE: 06/07/96 REVISED: 03/19/2011, 07/23/2016 PAGE 1 ATTACHMENT: A

OBJECTIVE:

To define the procedure for invitations to non-member tax lot owners to become members of the Loch Lomond Beach Club, Inc.(Beach Club), and to define the use of Loch Lomond Beach Club Inc. Facilities and properties by non-member tax lot owners.

POLICY:

Any tax deed lot owner whose property lies within THE LOCH LOMOND BEACH CLUB, INC (aka The Woods) development will be invited to become a regular member of the Beach Club.

PROCEDURE:

1. Non-member tax lot owners will be extended a written invitation (see Attachment 11A) to join the Beach Club with regular membership status at any time conditioned upon their returning each lot to full covenant coverage by recordation of an appropriate document with the office of the Register of Deeds for the county in which said lots are located.

2. Non-member tax lot owners and their immediate families or household may be guests of the Beach Club for a one day visit to inspect the facilities prior to requesting a membership application.

(For the purposes of this policy, an immediate family is defined as spouses or live-in-companions plus their children and grandchildren, including step-children, foster-children, and equivalent relationships)

3. Owners of tax deed lots who became members prior to the effective date of this policy shall be informed how to return their lots to full covenant coverage, but refusal to do so shall not affect membership status.

RESPONSIBILITIES

The Board may delegate any or all of the responsibilities of the above procedures to a committee of the Board, an officer agent, or employee of the Beach Club

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LOCH LOMOND BEACH CLUBPOLICY# 11 ATTACHMENT A

LETTER OF INVITE TO TAX LOT OWNERS Dear Neighbor,

Welcome to THE LOCH LOMOND BEACH CLUB, INC. (aka The Woods Development). Your purchase of a tax deed lot gives you the opportunity to become part of a unique community of friends. We invite you to make a visit to the clubhouse and receive a tour of the amenities we offer and also learn how you can become a regular member of the Loch Lomond Beach Club, Inc. (LLBC). Please contact the LLBC Manager to make an appointment for a tour. THE WEBSITE IS www.llbeachclub.com

Ownership of all tax deed lots are subject to recorded Covenants and Restrictions, and are eligible for a regular membership of LLBC located at 2754 28th Street on Red Cedar Lake.

A copy of the Covenants and Restrictions that corresponds with your lot is included in this letter and also can be obtained from the Barron County Courthouse or from LLBC. Two of the most common questions regarding the Covenants and Restrictions concern the process to obtain a temporary dwelling permit for using a camper or trailer on your lot and the process for approval of a structure or building.

Habitation of every temporary structure (i.e., camper or trailer) must have a temporary dwelling permit. All building plans and specifications must be submitted to and approved by the LLBC Architectural Control Committee prior to commencement of building.

Applications for either a temporary dwelling or proposed building permit must be obtained through the LLBC clubhouse and Cedar Lake Township and Barron County Zoning. The LLBC applications are approved by the LLBC Architectural Control Committee or by the Board of Directors. A copy of each permit application is enclosed for your use. The forms would need to be completed and returned to LLBC for approval.

We hope you enjoy your property in LOCH LOMOND BEACH CLUB, INC and that you will consider joining the Loch Lomond family. Please contact clubhouse manager with any questions you might have or to make an appointment to tour the facilities.

Sincerely,

____________________________PresidentLoch Lomond Beach Club, Inc.Board of Directors

Important contact information: Cedar Lake Township: www.cedarlakets.com/about-cedar-lakeUBC Inspector: James Helstab, 523 E Sawyer St, Rice Lake 715.220.0259Barron County Zoning Department: www.barroncountywigov/index.asp?Type=B_BASIC&SEC= {5849F663-F197-46AF-9020-7123068F82DF}Land Services Director: David Gifford, 715/537/6375

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http://www.barroncountywigov/index.asp?Type=B_BASIC&SEC

http://www.cedarlakets.com/about-cedar-lake


SUBJECT: SALE OF PROPERTY & ACCEPTANCE OF DONATED PROPERTY POLICY #: 12 EFFECTIVE DATE: 06/06/91 REVISED: 7/23/2016 PAGE 1

POLICY:

Loch Lomond Beach Club may sell property that they own which is not essential to the operation of the Club, to buyers after the impending sale of the property has been announced and publicized to the members of the Club. In addition, the Club may accept deeds for property which are offered as gifts to the Club. Proceeds from the sale of purchased or donated property will be used at the discretion of the LLBC Board of Directors, per Article III, #3 in LLBC Inc. Articles of Incorporation.

PROCEDURE:

1. The Club may have property to sell which may be suitable for purchase by present or prospective members of the Loch Lomond Beach Club.

a. The costs incurred by the Club to obtain and transfer the property will be the minimum sales price of the property.

b. All proceeds from the sale of the property will be used at the discretion of the LLBC Board of Directors.

2. Existing property owners may wish to donate property to the Loch Lomond Beach Club. The Board of Directors will act on these donations, if they meet the qualifications listed below:

a. There may be no liens or any other encumbrances on the property being donated, except the property may be considered if the only lien or encumbrance is a lien of the Loch Lomond Beach Club.

b. The donator of the property may responsible for the legal be fees, the registration fees, and any closing costs associated with the donated property.

c. The Board may waive any requirements which it deems are in the best interest of the Loch Lomond Beach Club.

3. Once ownership has been transferred to the Loch Lomond Beach Club, the following action may be taken in order to put the property in a Maintenance Assessment paying situation:

a. The property may be advertised in local newspapers, indicating the price of the property. The transfer would also include a contract stating the new owner would abide by the covenants and restrictions of the Beach Club and a pledge to keep current on Club Maintenance Assessment in the future.

b. The Club may place “For Sale” signs on the property which it wishes to sell. In addition, the Club may advertise to property owners on Red Cedar Lake indicating they can become members of the Loch Lomond Beach Club with all the benefits of membership by purchasing a lot and paying annual Maintenance Assessment.

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SUBJECT: CLUB MANAGEMENT POLICY #: 13 EFFECTIVE DATE: 05/12/90 REVISED: 06/03/2011, 08/13/16 PAGE 1 ATTACHMENT: A

POLICY:Loch Lomond Beach Club, Inc. shall elect a Board of Directors at the corporation's annual meeting to manage all businesses and affairs of the corporation. Article V, Section 1a of the Club by-laws instructs the Board to hire a management team for the corporation and set their compensation. In return for said compensation, club management agrees to manage, to the best of their abilities, all facilities, amenities and businesses of the Loch Lomond Beach Club located at 2754 28 th Street, Birchwood, Wisconsin 54817.

PROCEDURE: 1. Club management shall consist of a Club Manager and an Assistant Manager when deemed necessary by the

Board. 2. Board will annually assign the board President and Vice President as Board liasons. 3. The terms of the employment contract(s) begin April 1 and terminate March 31 of said fiscal year. 4. Hours of operation shall be reviewed annually by the Board by the April Board meeting. 5. Management shall administrate LLBC's Constitution, By-laws, amendments, Covenants and Restrictions, Policies

and Procedures and carry out functions and duties. 6. Management shall prepare all correspondence pertaining to the Beach Club business in a professional manner. 7. Management, along with the Club's social activities committee, shall prepare a complete yearly activities

schedule in accordance with hours of operation and yearly seasons. 8. Management presents a clubhouse report monthly for the Board meetings. This report is to cover activities,

attendance and all situations and proposals under the manager's jurisdiction. 9. Management shall maintain clubhouse and grounds, including parks as stated in the Manager's Manual and in

employment contract.10. Management shall operate Club and plan expenditures and activities within constraints of the Club's yearly

budget.11. Management shall hire and supervise any employees required to assure proper maintenance and operation of

the Club. This action is subject to direction from the Board and budget guidelines. Each employee shall receive a copy of their position description.

12. Management shall operate the Club in accordance with the Manager's Manual. All employees shall be subject to a preseason performance evaluation (see Attachment 13A). These evaluations shall be gone over privately with employee stressing strong points and emphasizing weak points and means of correcting these short comings. The Board of Directors shall file the manager's evaluation (see Attachment 13B), with the Board President discussing evaluation with management. The manager shall file all other Club employee evaluations. These performance evaluations shall be kept in a confidential file in the Beach Club office.

13. The Board shall determine salaries and selection for management by their February meeting. Contracts will be signed at this time.

14. Management shall work cooperatively with the Club Treasurer by submitting monthly bills and assisting in preparation of monthly financial reports.

15. Management shall be responsible for banking of Club funds and submitting report to the treasurer.

24

MANAGER PERFORMANCE EVALUATION POLICY #13 ATTACHMENT A

LLBC Mission Statement The mission of LLBC is to foster and maintain acquaintanceship and friends among the members of the LLBC community. LLBC will provide quality services, well maintained facilities and a pleasant atmosphere for the

beneficial use of its members.

Objectives: (NOTE: Please circle one of the numbers following the question. 1 is low and 5 is high.)1.To maintain LLBC status as a nonprofit organization operating under its Articles of Incorporation, By-Laws and policies and procedures.

-Is the manager familiar with the governing documents of the organization? 1 2 3 4 5 - Does the manager use the governing documents as a guide to decision making for the best interest of the organization, its members and their guests? 1 2 3 4 5

2. To value members, management and employees as key resources to LLBC. -Does the manager handle member concerns in a timely manner? 1 2 3 4 5 -Does the manager focus particular attention to the overall member satisfaction? 1 2 3 4 5 -Does the manager understand that serving the member is a team effort? 1 2 3 4 5 -Does the manager direct employees to refer member concerns they are not able to handle so that members are the focus of the club? 1 2 3 4 5

3.To encourage members to be involved in the governance, direction and activities of LLBC. -Does the manager encourage members to be involved in the governance of the Beach Club? 1 2 3 4 5 -Does the manager encourage members to volunteer and participate in the activities at the club thereby fostering acquaintanceship and friends among the members? 1 2 3 4 5

4.To anticipate the future through prudent planning, resource management and sound fiscal practice. -Does the manager along with the finance committee prepare an annual budget that forecasts the projected revenue and expenses for the coming year? 1 2 3 4 5 -Does the manager within the prudent measure of reasonableness follow the budget? 1 2 3 4 5 -Does the manager report to the board on a monthly basis? 1 2 3 4 5 -Does the manager adjust spending to respond to unforeseen expenses? 1 2 3 4 5 -Is the manager aware of the bottom line and maintaining a fiscally sound club? 1 2 3 4 5

5. To maintain value while creating long-term benefits for our members. -Does the manager effectively supervise the maintenance staff in the care of the facilities and equipment with special attention to safety as a major concern for members, their guests and the staff? 1 2 3 4 5 -Does the manager effectively supervise and lead clubhouse staff to be responsive to member needs and concerns. 1 2 3 4 5

Average rating: _______

Manager: Date: Board President: Date: ____________Comments: _____________________________________________________________________________________________________________________________________________________________________________

25


SUBJECT: CLUBHOUSE STORE POLICY #: 14 EFFECTIVE DATE: 05/12/90 REVISED: 12/14/2013 PAGE 1

POLICY:The Loch Lomond Beach Club shall maintain and manage a clubhouse store for sale of goods and merchandise to members and their guests.

PROCEDURE:1. Clubhouse personnel only shall transact sales to members and their guests within guidelines set by the Board of

Directors and Wisconsin State Law.2. The Club Manager is responsible for proper training of personnel in proper sales procedure and etiquette.3. Store inventory status shall be taken weekly and inventory re-supplied as needed.4. The manager and/or interior maintenance assistant shall comprise a yearly written inventory to be placed on file

in the office for use by future management.5. All sales, cash or charge, shall be entered on cash register under appropriate type of transaction.6. Charges (members only) shall be written on proper invoice with members receiving their appropriate copy.

(Charges include store, dock rental, waste area and any additional charges other than the annual Maintenance Assessment.)

A charge statement shall be mailed out monthly. It is the management’s responsibility to check files to validate charges. Monthly charges that are $10 or less will be emailed (if an email is on file). For those without email on file, one phone call will be made. Members not responding to the phone call or email will be charged a $5 handling fee for mailing an invoice or statement.

Past due balances will be charged a 1.5% per month finance charge with a minimum of $5.00.

Charge accounts that are more than 2 months overdue shall have their charging privileges suspended and the association reserves the right to turn such balances over for collection. A membership card for the new fiscal year will not be issued to members having past due store balances. Members having their store account turned over for collection will have their charging privileges permanently revoked.

7. The manager shall submit store bills and income received initialed with appropriate budget heading to the Financial Secretary; i.e., store sales, annual meeting, etc.

8. Gas sales shall be for marine use only and at posted hours. 9. The store will target a 30% average mark-up on merchandise including sales tax.10. Manager shall leave $100 change in cash register at the opening of each day. The manager shall remove any

excess amounts of cash on hand during busy days and be responsible for those funds. At no time shall large amounts of cash or checks be left overnight at the Beach Club.

11. Liquor license applications are obtained from Cedar Lake Township Secretary.

26


SUBJECT: DOCK-SLIP (SLIP) RESERVATIONS AND FEES POLICY #: 15 EFFECTIVE DATE: 06/07/1996 REVISED: 02/01/2016 PAGE 1 OF 2

POLICY:

Types of Slips Available:1. Temporary Slips : Available to all members and associate members for up to two (2) hours.2. Short-Term Slips: Available to all members by advance reservations. May be rented by the day for a period

not to exceed fourteen days.3. Split Season Timeshare Slips: The purpose of these slips is to provide members an opportunity to rent a slip

on a time limited basis. 4. Long Term Slips: 33 members shall have the option to rent a slip for one or two time share periods.

Slip Rental Fee: The Board, prior to each fiscal year, establishes slip rental fees after reviewing area slip rental rates, cost of replacement, maintenance and slip rental demand.

Members Only: Due to limited slip availability, associate members are not eligible for Timeshare rental.

Slip Transfer: Slips may not be subleased and are non-transferable, including due to sale of property or in a will, trust or other document. Slips remain the property of LLBC.

Timeshare slip rental: 1. Long Term Slips : Current slip renters may retain a slip from year to year, if they have paid the rental fee by

April 30. If not paid by April 30, the slip will be offered to the next person on the List.2. Split Season Timeshare Slip Rental: The purpose of these slips is to provide the membership an opportunity

to rent a slips on a time limited basis. These Timeshare Slips are available to members who have contacted Manager via email and are on a current list. There are two available timeshare periods. No list shall survive beyond April 30, each year.

3. Multiple Timeshare Slips: Members of an immediate family are limited to a single Timeshare Slip rental, unless a slip is available and there are no names on the List.

Short-Term Slip Rental: 1. The Club Manager shall keep short term slips available for use as Short-Term rentals. These slips may be

rented on a daily basis for a period of no more than fourteen (14) consecutive days to any member.2. The Club Manager sets rates for Short-Term rental for the day or number of days.3. Short-Term rentals are for use of all members.

Temporary Slip:1. The Club Manager shall keep slips at the Beach Club Marina and at Walleye Park to be used for temporary

docking.2. Temporary slips may be used by any member or associate member for up to a maximum of two (2) hours.3. There is no charge to use a temporary slip.

27

DOCK-SLIP (SLIP) RESERVATIONS AND FEES POLICY #: 15 PAGE 2 OF 2

PROCEDURE:

1. Annual slip rental charges are communicated to the membership via the newsletter and email and to the previous years’ slip renters via a spring billing by the Assistant Treasurer. The Assistant Treasurer maintains a separate line on the budget and expense report for slip rental fees collected.

2. The Club Manager will offer reserved slips billed by the Assistant Treasurer, but not paid by April 30, to the next person on the List.

3. The Club Manager maintains the official List. 4. Each slip renter must provide their own insurance coverage for property damage and liability coverage.

5. Any violation of these Policies and Procedures is cause for termination of the rental agreement and the rented slip to be returned to the Beach Club slip pool.

28


SUBJECT: STANDING COMMITTEES POLICY #: 16 EFFECTIVE DATE: 5/12/90REVISED: 4/16/2011 , 8/13/2016 PAGE 1 OF 2

POLICY:

The Board of Directors, along with selected volunteer members, shall constitute Seven Standing Committees to assist in the annual operation of the Loch Lomond Beach Club.

PROCEDURE:

1. The seven standing committees shall be:

a. Budget and Finance

b. Planning and Architecture (Architectural Control)

c. Facilities and Maintenance

d. Social Activities

e. Long Range Planning

f. Communications

g. Membership

2. Each committee shall be chaired by a current Board member with the remainder of the committee consisting of Board members and selected volunteer Club members.

3. Each committee shall have a minimum of three (3) members and a maximum of six (6).

4. The committees shall meet prior to Board meetings and when deemed necessary.

5. Each committee chairperson shall present a report at the monthly Board meetings.

6. The Planning and Architecture (Architectural Control) Committee shall meet to: a. Review permanent structure plans.

b. Review lot owners proposed plans and to assure they are in compliance with Loch Lomond Covenants andRestrictions.

c. Review temporary dwelling permit applications and notify members on permit rejection or acceptance.d. Discuss county planning or any other related issues.

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STANDING COMMITTEES POLICY #16 PAGE 2 OF 2

7. The Facilities and Maintenance Committee shall meet to:

a. Review facilities, grounds and equipment relative to monthly operation plan (May - September).b. Discuss priority needs with operational budget and costs in mind.c. Along with the Long Range Planning Committee develop and update 5-year facilities and maintenance equipment plan as basis for capital improvements portion of annual budget to be completed by February of each year.d. Report to Board on recommendations for annual maintenance plans, monthly priorities and evaluations and 5-year facilities and equipment plans.

8. The Social Activities Committee with the assistance of the Club Manager shall compose a yearly clubhouse social activities calendar to be mailed out to the membership with the spring newsletter. This committee is responsible in assisting club management with the operations of these activities. This may be accomplished by enlisting help from selected club volunteers, Social Activities Committee members, or club staff. The lunch served prior to the annual membership meeting fall in the jurisdiction of this committee. The committee chairperson shall report to the Board any new activity ideas or any changes in the present activity calendar.

9. The Long Range Planning Committee will develop and update facilities, maintenance and equipment plan beyond 5 yrs. This will fulfill this committee’s purpose to maintain and assure a high quality of resources for this community while looking to the future to build a lasting and user friendly place for family and friends to gather.

10. The Communications Committee is to create and monitor opportunities to communicate to LLBC membership using with multiple technology options. Possible activities may include: Website, Facebook, Twitter to quickly advertise/remind members of activities), etc. like "marshmallow Roast going on now until...." Will need privacy forms or some sort of system that members can opt out of appearing in any photographs.

Template for email newsletter using graphics. Can be done in Word and mail merged. Newsletters can also be migrated to Facebook platform.

Updating member list to include individuals and family members and not just the primary lot holder. This will help the front desk get to know members. The check-in software does not currently allow this. But it can, although the tracking in the check-in module will still be according to primary lot number and primary lot holder. Also a postage mail list for members who would rather receive paper materials.

11. The Membership Committee is to Provide outreach and membership information to new members, as well as, providing ongoing responses to member questions about membership responsibility and concerns. Possible actions include committee responsibility for meeting new members and welcoming them to the LLBC. This committee would be in charge of handing out the appropriate New Member Packets and keeping them up to date.

The committee could also deal with specific membership issues. There may be other things this committee could do, such as organize community events such as parades and keep realtors informed of LLBC policies as well as what LLBC has to offer.

30


SUBJECT: ARCHITECTURAL CONTROL POLICY #: 17 EFFECTIVE DATE: 06/09/96 REVISED: 4/28/2012, 10/10/2015, 08/13/2016 PAGE 1 OF 3 ATTACHMENT: A,B,C,D,E,F

POLICY:

Article I of the Covenants and Restrictions states the purpose of Loch Lomond Beach Club, Inc. is:1. To protect the owners of building sites against improper use of surrounding building sites.2. To preserve, so far as practicable, the natural beauty of the area.3. To guard against poorly designed or proportioned structures and structures built of improper or unsuitable

materials.4. To obtain harmonious color schemes.5. To prevent haphazard and inharmonious improvements on building sites.6. To secure and maintain proper setbacks.7. In general, to provide for a high type and quality of improvement of properties, secure the erection of

attractive homes and to enhance the value of investments made by purchasers of these properties.PROCEDURE:1. TEMPORARY DWELLINGS

Definition: Tent, travel trailer, tent trailer, R.V.NO MOBILE HOMES ALLOWEDReference: Barron County Ordinance 17.36

a. A Written permit from BOTH OF THE LLBC ARCHITECTURAL COMMITTEE AND BARRON COUNTY ARE REQUIRED. (Attachment 17A) A temporary dwelling permit must be obtained, returned and approved before placement will be allowed. This document may be obtained from the clubhouse manager. THE BARRON COUNTY PERMIT MUST BE OBTAINED FIRST AND A COPY PROVIDED TO LLBC OFFICE. A COPY WILL REMAIN ON FILE AT LLBC CLUBHOUSE. The LLBC permit allows temporary dwellings only on lots from April 1 to October 31. LLBC will enforce this policy and, if needed, remove the temporary dwelling and charge a removal fee of $500.

Reference: Article II Section 8 of Covenants and Restrictions. Barron County Ordinance 17.36

b. Property owners must follow lot size, setbacks AND sanitary standards AS REQUIRED BY BARRON COUNTY ORDINANCES that are applicable to residential structures. Driveway permits are required and issued by Cedar Lake Township. Reference: Barron County Ordinance 17.36

c. Recreational vehicles cannot be larger than 8 feet wide by 40 feet long. Reference: Barron County Ordinance 17.36 (3)

d. Only one (1) temporary dwelling per lot is allowed, except one (1) additional temporary dwelling may be kept on each lot on a short-term visiting basis. Short-term visiting is defined as less than four (4) weeks.

Reference: Barron County Ordinance 17.36 (3)

e. Minimum lot size must be no less than 20,000 square feet OR THE MINIMUM SET BY BARRON COUNTY. Reference: Barron County Ordinance 17.36(3.c.3a.2.b.)

31

ARCHITECTURAL CONTROL POLICY #17 PAGE 2 OF 3

f. Tree and brush cutting is limited to only the necessary removal of vegetation for building purposes. The intent being to preserve and maintain, to the extent possible, a subdivision of wooded lots. Cutting is further limited on lake lots within 75 feet of the high-water elevation and property owners can only cut a 30 foot view opening to the lake for every 100 feet of lakeshore owned. The remaining area of the lot shall insure sufficient cover to screen cars, dwellings, garages, and storage sheds. Reference: Article II Section 13 of Covenants and Restrictions and Barron County Ordinance 17.41

2. PERMANENT DWELLINGS (Houses)Property owners must follow lot size, setbacks AND sanitary standards AS REQUIRED BY BARRON COUNTY ORDINANCES that are applicable to residential structures.

a. Driveway construction for lot access requires a permit from Cedar Lake Township. Barron County building and

sanitary permits along with written Planning Committee approval must be obtained and displayed in clear view before any constructions shall begin. Reference: Article II Section 2 of Covenants and Restrictions and Barron County Ordinances 17.41, 17.74, 17.63 and 17.64

b. Tree cutting only as necessary for construction is allowed (refer to f. of this policy).

NOTE: WATER SETBACKS FOR LAKES OF LESS THAN 75 SURFACE ACRES ARE 100 FEET AND SIDEYARDS ARE 35 FEET EACH AS ESTABLISHED BY BARRON COUNTY. OUR SUBDIVISION CONTAINS TWO SUCH LAKES. IN ALL CASES WHEN LOT LINES AND SETBACKS ESTABLISHED BY LLBCI DIFFER FROM THOSE OF BARRON COUNTY THE MOST RESTRICTIVE APPLY. Reference Barron County Ordinance 17.40. 10 AND 11 c. Any approved constructed structure with permanent foundations. All buildings shall be of new construction.

d. The exterior of the structure must be completed six (6) months from commencement of construction. Reference: Article II Section 2 of the Covenants

e. Only single-family dwellings are permitted. No mobile homes are allowed. Reference: Article I Section 1 Covenants and Restrictions and Barron County Ordinance 17.36

f. No construction will be allowed on a lot smaller than 20,000 square feet in area OR THE MINIMUM SET BY BARRON COUNTY.

Reference: Article II Section 5 and Barron County Ordinance 17.36(3.c.3a.2.b.)

g. Septic systems must meet Barron County standards. Construction will not be allowed to begin without a Barron County sanitary permit.

Reference: Article II Section 2 of the Covenants and Restrictions

h. The ground floor area of any habitable permanent structure must be no less than 650 square feet of enclosed living space.

Reference: Article II Section 3 of the Covenants and Restrictions

i. The maximum height of any building from original grade MUST MEET BARRON COUNTY MAX HEIGHT. Reference: Article II Section 3 of the Covenants and Restrictions or Barron County

j. Materials for construction shall be wood, stone, vinyl, aluminum, brick, glass, steel, concrete, or a like material. Like material shall be determined by the Architectural Control (Planning Committee). All structures shall be new construction. Reference: Article II Section 2 of the Covenants and Restrictions

k. Exterior of buildings shall have harmonious color and design schemes that blend in with the natural beauty of the woods. A statement of the color of the exterior of the building shall accompany the application for approval. Reference: Article I of the Covenants and Restrictions

32

ARCHITECTURAL CONTROL POLICY #17 PAGE 3 OF 3

3. GARAGES AND ACCESSORY BUILDINGS

a. DETACHED GARAGES A garage is a structure built on a concrete slab with a purpose of storage.

1. May be permitted prior to the erection of an approved habitable permanent structure.2. Must supply proof of a current survey by a licensed surveyor.3. Must provide a complete site plan that would provide for the location of a habitable permanent

structure of at least 650 square feet of enclosed floor space, septic, well and driveway.4. No human habitation allowed.5. The square footage of a garage MUST BE WITHIN BARRON COUNTY ORDINANCES6. The garage height limit MUST BE WITHIN BARRON COUNTY ORDINANCES.7. Limit of one per lot.8. Exterior materials (see 2.k. and 2.l. of this policy).9. All setbacks must be followed (see 2.b.) MUST MEET BARRON COUNTY ORDINANCES 10. Must obtain all required building permits (See 2.a.). Reference: Barron County Ordinance 17.32, 17.36 and Covenants and Restriction

b. ACCESSORY BUILDINGS1. Not allowed for human habitation.2. Follow setbacks (see 2.b.).3. Limit of one secondary, equal to or less than 144 square feet in floor area, accessory use building

per lot.4. Exterior materials (see 2.l. of this policy).5. Storage shed or gazebo height maximum 12 feet. Overall maximum size 144 square feet in floor

area or 12 feet in diameter.6. A boathouse structure must be set back 10 feet from the normal high-water mark. Structures shall

not exceed 8 feet in height and 96 square feet in floor area with the eave not to exceed 1 foot. They must be used for aquatic equipment only.

7. Permits required from Barron County and LLBC. Reference: Barron County Ordinances 17.32, 17.41 and Covenants and Restrictions

4. SIGNSa. Signs allowed without a Barron County permit shall be a maximum of 8 square feet and must be placed 5

feet from the right of way.Reference: Barron County Ordinance 17.19 and Covenants and Restrictions

33


APPLICATION FOR TEMPORARY DWELLING PERMIT

WHEREAS, the Covenants and Restrictions for each division located in the Loch Lomond Beach Club, Inc. (LLBCI)(a.k.a. “The Woods”) subdivisions provide that no temporary structure shall be used at any time as a seasonal dwelling without a written Temporary Dwelling Permit issued by LLBCI.

WHEREAS, the undersigned desires to obtain such a permit on the terms and conditions set forth as follows;NOW THEREFORE, the undersigned hereby apply to LLBCI for a Temporary Dwelling Permit on the following

terms and conditions:1. WE/I agree to comply with the Covenants and Restrictions for our division.2. WE/I agree that all structures must comply with the applicable state and local health regulations.3. WE/I agree that the term temporary shall include, but not be limited to, tents, trailers, campers, and

recreational vehicles.4. WE/I agree not to place any authorized temporary dwelling on our/my property prior to the annual opening of

the Beach Club and to remove the same by the annual closing of the Beach Club of that same year or April 1 to October 31.

5. WE/I agree that if any dwelling is not removed by the annual closing of the Beach Club or October 31 the LLBCI may have it removed and WE/I agree to pay all removal costs.

6. We/I understand that members may store the seasonal dwellings at the LLBCI storage areas located on Loch Lomond Boulevard with permission from LLBCI on a space available basis.

7. We/I understand that LLBCI may, as its sole discretion, extend the period that a temporary dwelling may be kept on a lot upon a written request for such an extension.

8. We/I understand that the granting of our Temporary Dwelling Permit shall constitute a binding contract with LLBCI.

Dated the_______day of__________________year________

Lot____________Block___________Division_____________

________________________seal ________________________sealLot Owner PRINT Lot Owner PRINT________________________seal ________________________sealLot Owner Signature Lot Owner Signature

*************************LLBCI USE only***************************Approved by________________________ NameStorage & Vehicle Information____________________________________

34

LOCH LOMOND BEACH CLUBPOLICY #17 ATTACHMENT B

TEMPORARY DWELLING PERMITS-TRAILERS

The Board of Directors have adopted a Temporary Dwelling Permit from which provides that temporary structures are permitted between April 1st and October 31st of each calendar year provided such permission is granted by the Planning Commission AND BARRON COUNTY.

Situations have occurred where members and non-members alike have not obtained a signed Temporary Dwelling Permits FROM LLBC AND BARRON COUNTY and have left trailers on their lots. Also situations have occurred where members and non-members alike have not complied with the permit requirements.

This Policy addresses these violations and provides a resolution.

PROCEDURE:1. The person or persons violating the Temporary Dwelling Permit requirements shall be notified by Certified Mail,

Return receipt requested, that they are in violation of either the Plat Restrictions or the Temporary Dwelling Permit, or both, and of the date by which remedial action must be taken. Personal Service of said notice may also be accomplished by the Sheriff Service or by a Process Server or by mail and publication when appropriate.

2. If remedial action is not taken within the time specified in said notice, the matter shall be referred to the legal counsel for Loch Lomond Beach Club, Inc. for such further action as is deemed appropriate.

3. If said Temporary Dwelling violates any local, state, or federal health laws, said authorities may be notified of said violations in addition to other action taken.

35

LOCH LOMOND BEACH CLUBPOLICY #17 ATTACHMENT C

NON-CONFORMING BUILDINGS

From time to time buildings are erected by members and non-members alike without proper permits and which do not meet Loch Lomond Beach Club building requirements. The Board of Directors have established a procedure to enforce the Loch Lomond Beach Club, Inc. Covenants and Restrictions

PROCEDURE

1. Upon discovery of any person or persons constructing any improvement to a lot, located in Loch Lomond Beach Club, (a.k.a. “The Woods”), where the building(s) do not conform to all of the LLBCI Covenants and Restrictions and Policies, such person or persons have shall be notified in writing of the need for compliance with the Loch Lomond Beach Club requirements.

2. The same procedure shall be used for improvements actually completed which are not in compliance.

3. Notice shall be served upon the owner or owners of said lot and may be served upon any agent of said owneror upon any lender or contractor.

4. Notice shall be served either by personal service or by certified mail return receipt requested and the same may be served by mail and publication where appropriate.

5. Notice shall inform the recipient of the need for compliance and that further action will be taken if necessary to enforce the building restrictions.

6. If this notice is not complied with, the matter shall be referred to legal counsel for Loch Lomond Beach Club, Inc. for whatever appropriate further action as is deemed appropriate.

7. Loch Lomond Beach Club, Inc. may also notify any local, state, or federal municipality or agency of such non-compliance in addition to other actions taken.

36


SUBJECT: ARCHITECTURAL CONTROL POLICY #17 EFFECTIVE DATE: 08/09/2014 REVISED: PAGE: 1 ATTACHMENT: D

POLICY: VARIANCE REQUEST PROCEDURE

1. Applicant must first obtain necessary Barron County and Cedar Lake Township Land Use Permit

2. Applicant must fill out an LLBC Request for a Variance Form

3. Applicant must agree to pay for any and all costs related to the applicant’s variance.

4. The Architectural Committee will create a dated variance request letter describing the proposed project and the reason for the requested variance. This letter will be sent by certified U.S Postal Service to all property owners within 300 feet of the property requesting the variance. In the letter the property owner will be asked to answer with a YES or NO response and return the response in the pre-addressed stamped envelope provided.

5. All letter responses must be returned within 14 days of the dated letter or the non-response will be considered a YES vote in favor of the variance request.

6. All returned responses will be counted and presented to the next scheduled LLBC Board meeting for a decision on the variance request.

37


SUBJECT: ARCHITECTURAL CONTROL POLICY #17 EFFECTIVE DATE: 08/09/2014 REVISED: PAGE: 1 ATTACHMENT: E

POLICY: APPLICATION FOR VARIANCE FORM

The variance, if granted, is only good with the Loch Lomond Beach Club (LLBC). Please confirm with Barron County and Cedar Lake Township before starting any project. PLEASE PRINT.

NAME _________________________________________________ DATE ____________________

MAILING ADDRESS ___________________________________________________________________

PROJECT ADDRESS FOR VARIANCE ______________________________________________________

LOT __________________________ BLOCK __________________ DIVISION __________________

PHONE NUMBERS CELL ____________________________ HOME ____________________________

EMAIL ADDRESS ______________________________________________________________________

TYPE OF VARIANCE REQUEST ____________________________________________________________

DESCRIBE THE VARIANCE _______________________________________________________________

____________________________________________________________________________________

DESCRIBE THE STRUCTURE TO BE BUILT ____________________________________________________

COMPLETE THIS FORM AND RETURN TO LLBC. LLBC WILL CONTACT YOU TO SCHEDULE A TIME TO PRESENT YOUR REQUEST TO THE BOARD OF DIRECTORS.

REQUEST APPROVED __________________________ DENIED ________________ DATE ___________

LLBC BOARD MEMBER SIGNATURES (3 REQUIRED) ____________________________________________________________________ DATE _______________________________________________________________________________ DATE _______________________________________________________________________________ DATE ____________

PLEASE KEEP A COPY OF THIS VARIANCE REQUEST FOR YOU RECORDS.

38


SUBJECT: ARCHITECTURAL CONTROL POLICY #17 EFFECTIVE DATE: 08/09/2014 REVISED: PAGE: 1 OF 2 ATTACHMENT: F

POLICY: APPLICATION FOR APPROVAL OF CONSTRUCTION PLANS

The undersigned hereby makes application for the approval of construction plans for the work described and located as shown herein. The undersigned understands and agrees that all work will be done in accordance with Loch Lomond Beach Club (LLBC) Architectural Control Policy & the Covenants and Restriction set forth in the recorded Declarations. The undersigned will follow Barron County and Cedar Lake Township Zoning, Ordinances and Regulations and all laws of the State of Wisconsin.The Applicant understands that they must contact Barron County and Cedar Lake Township for any and all permits that maybe required. After Barron County and Cedar Lake Township have been contacted, all permits have been issued, this form filled out, than come to (LLBC) for approval. The undersigned agrees to allow representatives of (LLBC) Board of Directors, (LLBC) Architectural Control Committee or (LLBC) Club Manager Access to the building site for the purpose of verifying setbacks BEFORE construction begins.

Owners Name: _____________________________________________________

Home phone#_______________________ Cell Phone#_____________________

Email Address: _____________________________________________________

Lot_______ Block______ Division ______________________________________

Construction Site Address: ____________________________________________

Barron County Parcel I.D # 010 - ________________ -___________ - 000

39

POLICY ARCHITECTURAL CONTROL POLICY #17 PAGE 2 OF 2

APPLICATION FOR APPROVAL CONTRUCTION PLANS

PLEASE CHECK ALL THAT APPLY: ___ Permanent dwelling___ Garage _____ Attached _____ Detached. (Detached 1096 sq. ft. max)___ Addition to home or cabin ___ Accessory building (144 sq. ft. max)___ Other (Please describe) ____________________________________________The Application Plan Shall consist of permit numbers and of copies of the following:Barron County land use Permit # ________________________________________Barron County Sanitary Permit # ________________________________________ Cedar Lake Township Driveway Permit # ______________________(If applicable)___ Cedar Lake Township U.B.C. Inspector permit # ___________________________ All Construction must be of new material___ Only the trees and ground cover required for construction may be removed.___ Detailed drawing and/or copy of blueprints showing exterior dimensions.___ Site Plan showing location of building on lot. MUST INCLUDE LOT DIMENSIONS AND SETBACKS FROM ALL PROPERTY LINES.___ Location of well and septic system. Include setbacks from all property lines.___ Description of exterior materials and colors ___ Exterior of structure must be completed within six (6) months of ground breaking.

____________________________ ______ /______ /___________ Applicant’s Signature Date of Application

____________________________ ______ /______ /____________ Approval Signature Approval Date

40


SUBJECT: GUEST POLICY POLICY #: 18 EFFECTIVE DATE: 09/14/96 REVISED: 04/16/2011, 08/13/2016 PAGE 1 OF 2 ATTACHMENT: A

POLICY:

1. The term "member" means the person in whose name a membership card is issued. Each owner of a lot is entitled to receive a membership card issued in such person's name upon payment of the yearly maintenance assessment. In cases of multiple lot ownership a membership card will be issued to each owner as indicated on the deed.

2. Except for the purchase of goods or gasoline, no member or guest shall be permitted to use any of the club facilities without first registering each day at the Clubhouse.

3. No person may register as a guest unless a member registers them or unless a member authorizes such guest registration in writing for delivery to the Loch Lomond Beach Club (LLBC) office in advance or at the time of guest registration. Guest Permission Form is available at the Beach Club desk. Any other form of authorization must include the name of each guest, the member responsible for the guest, the specific length of stay, the member's signature and the membership card number (LBD=Lot/Block/Division). This authorization is not to exceed a two week period. INDIVIDUALS OR FAMILIES PAYING RENT FOR THE USE OF A MEMBER’S PROPERTY (RESIDENTIAL OR CAMPING) ARE NOT CONSIDERED BY LLBC AS A GUEST AND THEREFORE, NOT ELIGIBLE TO USE THE LLBC FACILITIES.

4. Members are prohibited from resale or other commercial use of their membership. ANY BUSINESS OR COMERCIAL OWNER/MANAGER OUTSIDE OF THE LLBC, (a.k.a. THE WOODS), WHO ALSO OWNS ANY PROPERTY IN LLBC ARE PROHIBITED FROM ALLOWING THEIR PAYING CUSTOMERS OR RENTERS TO USE THEIR LLBC MEMBERSHIP USE OF THE LLBC FACILITIES.

5. The aggregate number of guests registered at any time per membership may not exceed ten unless prior arrangements are made and may include the payment of special fees approved by the manager. The manager may request board approval at his discretion. A fee may be charged.

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ATTACHMENT ASUBJECT: GUEST POLICY POLICY #: 18 EFFECTIVE DATE: 09/14/96 REVISED: 04/16/2011 08/13/2016 PAGE 2 OF 2

GUEST PERMISSION FORMMembers are prohibited from resale or other commercial use of their membership. ANY BUSINESS OR COMERCIAL OWNER/MANAGER OUTSIDE OF THE LLBC, (a.k.a. THE WOODS), WHO ALSO OWNS ANY PROPERTY IN LLBC ARE PROHIBITED FROM ALLOWING THEIR PAYING CUSTOMERS OR RENTERS TO USE THEIR LLBC MEMBERSHIP USE OF THE LLBC FACILITIES.

The following list of people will be my guests (May be up to 2 weeks) from: ____________ to _________, as such should be accorded all due rights and privileges of the Loch Lomond Beach Club.

The first named person is considered to be responsible party for this rest of the group.

1. _____________________________________________________________________

2. _____________________________________________________________________

3. _____________________________________________________________________

4. _____________________________________________________________________

5. _____________________________________________________________________

6. _____________________________________________________________________

7. _____________________________________________________________________

8. _____________________________________________________________________

9. _____________________________________________________________________

10._____________________________________________________________________

MEMBER NAME: ________________________________________ DATE _____________MEMBER LOT _______________ BLOCK _________ DIVISION __________________MEMBER PHONE NUMBER ______________ MEMBER EMAIL ______________________

CHARGES MAY ONLY BE MADE BY MEMBER OR MEMBER MAY GIVE PERMISSION FOR GUEST TO CHARGE AND WILL BE RESPONSIBLE FOR THE BILL OF THEIR GUESTS YES __ NO _ MEMBER SIGNATURE _____________________________________________

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SUBJECT: STORAGE AREA POLICY #: 19 EFFECTIVE DATE: 09/30/00REVISED: 04/16/2011 08/13/2016 PAGE 1 ATTACHMENT: A

POLICY:

The Loch Lomond Beach Club provides limited secure storage areas known as the vehicle storage areas. These areas are to be used for short term storage only. The areas are to be kept as orderly as possible.

PROCEDURE:

1. The storage areas are provided only for members in good standing. Keys for storage area are available only at the club house. Items to be stored include camper trailers, motor homes, pontoon boats and boat and trailers and pontoon trailers. Items NOT allowed are utility trailers, trailers with ATV’s and trailers with snowmobiles.

2. All items stored must display a storage area number. The numbers are available from the club management. The storage area sticker with the LLBC number must be on the tongue or other very accessible spot. Replacement stickers for those showing wear can be obtained from the club management. An inventory of all items in the storage areas will be on file at the Beach Club.

3. All items in storage must be on a trailer or have wheels and be movable for storage area maintenance. Items in storage are not allowed to have hitch locks and may not be locked to the fence or stored in a manner to make their movement difficult for management.

4. Items may be stored for up to 8 months after which they must be removed from storage for at least 3 months. Any items stored past 8 months may be subject to a storage fee. Storage fees are set by the Board of Directors. Items deemed to be abandoned may be disposed of and will be assessed a removal fee of $500. Management will make efforts to contact owners before removal.

5. Management will inventory the storage areas periodically to determine which items are subject to storage fees.

6. Members will be required to sign a release form before items will be stored in the storage areas.

7. Items will be arranged to best utilize the space available.

8. If an item has no LLBC number sticker, it is in violation and will be cited. A violation tag will be placed on the vehicle in violation. The item will be subject for removal or disposal. Management will make all efforts to contact owner(s) of the item(s) for removal or otherwise make the item current with policy. Any item(s) where ownership cannot be determined will be disposed of.

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SUBJECT: STORAGE AREA POLICY #: 19 ATTACHMENT A

STORAGE AREA KEY CHECK OUT SHEET

YOU ARE RESPONSIBLE FOR RETURNING THE KEY YOU CHECK OUT.DO NOT PASS/SHARE THE KEY.

NOTICE PLEASE RETURN KEY WITHIN 2 HOURS

NOTICE: EFFECTIVE 8/13/16, NO UTILITY TRAILERS, UTV, ATV OR SNOWMOBILES ALLOWED IN VEHICLE STORAGE AREA

IS THERE AN LLBC STICKER ON THE TONGUE OF THE VEHICLE YOU ARE STORING AND IS IT LEGIBLE?

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PRINTED NAME DATE PHONE NUMBER

TIME OUT

TIME BACK

KEY NUMBER

ITEM IN

ITEM OUT

STICKER NUMBER


SUBJECT: DOCUMENT RETENTION AND DESTRUCTION POLICY POLICY#: 20EFFECTIVE DATE: 04/16/2011 REVISED: PAGE: 1 OF 4

POLICY:

This policy specifies how important documents (hardcopy, online or other media) should be retained, protected and eligible for destruction. The policy also ensures that documents are promptly provided to authorities in the course of legal investigations or lawsuits.

Document Retention Schedule

The following types of documents will be retained for the following periods of time. At least one copy (original when applicable) of each document will be retained according to the following schedule.

PROCEDURE:

Corporate Records

Article of Incorporation to apply for corporate status PermanentIRS Form 1023 to file for tax-exempt status PermanentLetter of Determination granting tax-exempt status PermanentBy-laws PermanentBoard policies PermanentResolutions PermanentBoard and annual meeting minutes PermanentSales tax exemption documents PermanentTax or employee identification number designation PermanentAnnual corporate filings Permanent

Tax Records

Annual tax filing for organization (IRS Form 990) PermanentPayroll registers PermanentFilings of fees paid to professionals (IRS Form 1099) 7 yearsPayroll tax withholdings 7 yearsEarnings records 7 yearsPayroll tax returns 7 yearsW-2 statements 7 years

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SUBJECT: Document Retention/Destruction POLICY#: 20 EFFECTIVE DATE: 4/16/2011REVISED: PAGE: 2 OF 4

Financial Records

Chart of Accounts PermanentFiscal Policies and Procedures PermanentAudits PermanentFinancial statements PermanentGeneral Ledger PermanentAccounts payable ledger 7 yearsAccounts receivable ledger 7 yearsCheck registers/books 7 yearsBusiness expenses documents 7 yearsBank deposit slips 7 yearsCancelled checks 7 yearsInvoices 7 yearsInvestment records (deposits, earnings, withdrawals) 7 yearsProperty/asset inventories 7 yearsPetty cash receipts/documents 3 yearsCredit card receipts 3 years

Personnel Records

Employee offer letters PermanentConfirmation of employment letters PermanentBenefits descriptions per employee PermanentPension records PermanentEmployee applications and resumes 7 years after terminationPromotions, demotions, letter of reprimand, termination 7 years after terminationJob descriptions, performance goals 7 years after terminationAccident reports (settled) 7 yearsWorkers’ Compensation records 5 yearsSalary ranges per job description 5 yearsI-9 Forms 5 years after terminationTime reports 3 years after termination

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SUBJECT: Document Retention/Destruction POLICY#: 20 EFFECTIVE DATE: 4/2011REVISED: PAGE: 3 OF 4

Insurance Records

Property Insurance policy PermanentDirectors and Officers Insurance policy PermanentWorkers’ Compensation Insurance policy PermanentGeneral Liability Insurance policy PermanentInsurance claims applications PermanentInsurance dispersements/denials Permanent

Contracts

All insurance contracts PermanentEmployee contracts PermanentConstruction contracts PermanentLegal correspondence PermanentLoan/mortgage contracts PermanentLeases/deeds PermanentVendor contracts 7 yearsWarranties 7 years

Donations/Funder Records

Grant dispersal contract PermanentDonor lists 7 yearsGrant applications 7 yearsDonor acknowledgements 7 years

Management Plans and Procedures

Strategic Plans 7 yearsStaffing, programs, marketing, finance, fundraising and evaluation plans 7 yearsVendor contacts 7 yearsDisaster Recovery Plan 7 years

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SUBJECT: Document Retention/Destruction POLICY#: 20 EFFECTIVE DATE: 4/2011REVISED: PAGE: 4 OF 4

PROCEDURE

Document ProtectionDocument (hardcopy, online or other media) will be stored in a protected environment for the duration of the Document Retention Schedule. Computer backup media will be included. See Manager’s manual for locations and appropriate storage containers.

Document DestructionHardcopy of documents will be destroyed by shredding after they have been retained until the end of the Document Retention Schedule. Online copies will be destroyed by fire or other proven means to destroy such media after they have been retained until the end of the Document Retention Schedule.

Provision of Documentation for Investigations or LitigationDocuments requested and subpoenaed by legally authorized personnel will be provided within 5 business days. The Board President and Manager will authorize provision. No documents will be concealed, altered or destroyed with the intent to obstruct the investigation or litigation.

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SUBJECT: PROCUREMENT POLICY POLICY#: 21 EFFECTIVE DATE: 4/16/2011REVISED: PAGE: 1

POLICY:The purchase of goods and services for use by the Beach Club and its members will follow one of three procedures depending on the size (in dollars) of the purchase. All purchases must be made in accordance with the Conflict of Interest Policy.

PROCEDURE:

For Purchases Under $2000Purchases under $2000 may be made at the Manager’s discretion provided the purchase does not cause any budget category to exceed the current annual budget. In an emergency situation where either the continuing operation of the club’s services or the member’s safety is involved, the Manager may exceed this amount but must inform the Board as soon as possible.

For Purchases Between $2000 and $10,000The Board must pre-approve purchases between $2000 and $10,000. Approval can be obtained at a Board meeting or by email. A majority is required for a Board meeting approval. For email approval, no fewer than four Board members must approve.

For Purchases Over $10,000For purchases over $10,000, the following conditions must be met:1. A written and comprehensive Request for Proposal (RFP) must be approved by the Board.2. The RFP must be submitted to multiple vendors with the goal of obtaining a minimum of three

separate bids. The Board must approve the list of vendors under consideration.3. The RFP will be distributed to the vendors as simultaneously as possible, and each vendor will be

given the same amount of time to reply.4. No vendor will be favored in any way nor will be given information not available to all vendors.5. The written response to the RFP will be the only information the Board will use to evaluate the

vendor’s proposed work product. No other “side commitments” or promises will be considered. The Board can consider other information (references, the vendor’s presentation, etc.) in deciding which vendor to choose.

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SUBJECT: DONATIONS POLICY POLICY#:22 EFFECTIVE DATE: 10/10/15REVISED: PAGE: 1

POLICY:Financial donations to charitable organizations and/or membership dues to Birchwood Area organizations paid by the Beach Club will follow one of three procedures. A maximum annual amount for all donations and memberships will be determined by the Board of Directors and approved as 2 separate line items within the Annual Budget approval process.

PROCEDURE:

For Membership dues: LLBC membership in an area organization shall be an organization that provides services or resources for the benefit of LLBC or its membership. Membership in any organization will be reviewed and approved by the BOD annually….Such as Red Cedar Lake Association and Birchwood Chamber of Commerce.

For Donations under $50Donations may be made at the Manager’s discretion provided the donation does not cause the donation category to exceed the current annual budget.

For Donations greater than $50 The Board must pre-approve donations above $50. Approval can be obtained at a Board meeting or by email. A majority is required for a Board meeting approval. For email approval, no fewer than four Board members must approve.

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