On or about November 7, 2014 Aspen Ridge Holdings, LLC (ARH) entered into an agreement; a “Memorandum of Understanding” (MOU) with Joseph G. Hartshorne of JGH Global, Inc. (JGH) in Melbourne, Florida. The MOU states that within 30 days upon receipt of an “up-front fee” of $105K, a $120M resort real estate acquisition loan will be delivered to ARH. The agreement is fully executed between all parties involved. All due diligence materials from ARH were accepted and approved by JGH. The $120M loan was secured by $340M of resort real estate. The $105K was wire transferred from ARH to JGH on or about November 12, 2014. On or about January 5, 2015 after numerous attempts to secure the acquisition loan from JGH as per the executed agreement and hearing every excuse known as to what was delaying the loan, ARH pulled the plug and demanded the return of the $105K “up-front fee” wire transferred to JGH. JGH has breached their agreement in supplying the $120M resort real estate acquisition loan and has refused to return the $105K up-front fee. ARH has been made aware and has proven other “up-front fees” wire transferred to JGH for other real estate loans that did not happen. ARH has filed financial fraud complaints with the State of Florida Attorney General’s Office, County of Brevard District Attorney’s Office, the Florida State Better Business Bureau and the Internet Crime Complaint Center (IC3) which is a joint task force with the FBI. Do not do business with Joey Hartshorne and JGH Global, Inc. in Melbourne City, Brevard County, Florida; they are a total “up-front fee” scam presenting real estate loans.