Court of Appeals of the State of Georgia ATLANTA, February 11, 2016 The Court of Appeals hereby passes the following order A16D0237. REF DEVELOPMENT, INC., et al. v. FIRST CITIZENS BANK AND TRUST COMPANY, INC. .

Upon consideration of the Application for Discretionary Appeal, it is ordered that it be hereby DENIED.

LC NUMBERS: 1216729

Court of Appeals of the State of Georgia Clerk's Office, Atlanta, February 11, 2016.

I certify that the above is a true extract from the minutes of the Court of Appeals of Georgia.

Witness my signature and the seal of said court hereto affixed the day and year last above written.

, Clerk.