DEFENDANTS EXHIBIT

A

1

2
3

Twila A. \"olf Pro s e . & Charlton A. Butler Jr. Pro se. 44 Patten St. Bangor Me, 04401 (207)-249-5378 Victim.or.rraud.and.corruption@gmail.com STATE OF MAINE PENOBSCOT,

,:JENOBSCOT CO !:JD1CI,'.L CENTER BANG~DUN I Y ~UPERIOI~ COlIF'; " Uk. DISTRICT COURT "
SUPERIOR COURT CIVIL ACTION DOCKET NUMBER BANSC-RE-2010-00187

PEflJOBSCOTJ

'

5 6
7

DEFENDANT'S
TD BANK N.A. F/K/A FIRST MASSACHUSETTS

::{tBll

8 BANK, 9 Plaintiff, 10
VS.

IN REGARDS

TO HEARING

11

TWILA 12

A. WOLF AND

Ca~LTON

A. BUTLER

JR,

Defendant 13

& Defendant-Intervenor IN REGARDS

TO HEARING

SCHEDULED

JANUARY

30, 2012

14

15 16 17 18 19 20 21

Please under 2364], time

be advised appeal as in

that the

the

above

referenced Court

case, for

BANSC-RE-2010-00187, the First District District

is currently [Case court
No.

Federal in the

Appeals

11-

submitted with

form

of a notice Appellate

of appeal

to the

at the

of filing

the

Federal

Court.

Therefore decision

Defendants, has about most been this; riky

in

this as

matter, of yet. book

will If

not there

be is

available something clear

at

that

time;

as

no are so

entered, that tik, the

that

Defendants advise, the

22 missing we 24 request (s) 25 matter 26 for Defendants, makes obsolete this case in the State Court. / requirement (s). Note: A favorable decision, as is expected, in this can rule didn't for make enough, please to

(Vietnamese

very

quickly),

respond

courts

Respectfully
27 28 29 30 31 32

Submitted

this

January

20th

2012,

~114l1ailabi ity 0 De~~nts for hearing scheduled January ~&~e currently before the Federal Appeals Court

o

!~7,/1 /fJi1 6/jC " i -, ) I. ri" 4/
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Charlton A. Butler DefendantIntervenor/Appellant

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2012
Pg-l of 1

DEFENDANTS EXHIBIT

B

PERKINSITHOMPSON
,o"rrORNEYS & COUNSElORS
EST,'BllSHED

AT LAw
1871

ONE CANAL PLAZA PO BOX 426 PORTLAND ME 04 I 12 TEL 207.774.2635 FAX 207.871.8026

November 30, 2010 Penny H. Reckards, Clerk Penobscot County Superior Court Atten: Civil Clerk for Real Estate Matters 78 Exchange Street, Suite 350 Bangor, ME 04401 Re: TO Bank, N.A. v. Twila A. Wolf, et al. Civil Action Docket No. RE-I0-187

www.perldnsthornpson.com

PHllIPCHUNr JOHN S. UrrON P!:GGY L ~'cGEHEE I1El1SSA HANLEY MURPHY IOHN A HOBSON 1;"1ES N. KAI S~\HCAS
TIMOTHY P BENOIT

) GOI\DON

SG\NNElL

lit

fHED W. BOpe III l·lARK P. SNOW wtLLlAM) DAVID SHEILS

Dear Ms. Reckards: Enclosed for filing in the above-referenced matter please find Plaintiffs Information. Thank you for your assistance. Mediation

B. McCONNELL

HO?!' CREAL ~\COBSEN RANDY). CRESWELL IUllANNE
Di\WN

C RAY

M. HARMON

CHRISTOPHER M. D,\RGIE
ANTHOf'1Y

J. MANHART
A

STEPHANlE

WILLIAMS

PETER j. McOONELL KEITH) DUNLAP 'iARA N. MOP!'lN IEfFREY A. COHEN SHAWN
K.

LEYDEN

SAW/cap Enclosures cc: Twila A. Wolf Pam Dubois, Bangor City Clerk Emma Foster, Legal Documents Specialist (LVNV) Tara St. Onge (via email)

OF COUNSEL THOi'"1AS SCHULTEN O'vVEN OOUGIAS

'"'v WELLS
5 CARR

jOHI'·J A

ORAlOO 1956·2010

This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. [f you are in bankruptcy or have received a discharge of this debt in bankruptcy, this is not an attempt to collect a debt.

DEFENDANTS EXHIBIT

c

PERKINSI'THOMPSON
• ATTORNEYS & COUNSELORS
ESTABLISHED

AT LAw
i

az .

ONE CANAL PLAZA PO BOX 426 PORTLAND ME 041 12 TEL 207.77-1.2635 FAX 207.871.8026

October 5, 2010 Penny H. Reckards, Clerk Penobscot County Superior Court Atten: Civil Clerk for Real Estate Matters 78 Exchange Street, Suite 350 Bangor, ME 04401 Re: TD Bank, N.A. v. Twila A. Wolf, et a1. Civil Action Docket No. RE-IO-187

www.perldnsthompson.com

PHIUPCHUNT IOHN S. UPTON PEGGY L McGEHEE MEUSSA HANlEY MURPHY IOHNAHOIlSON JAMES N. KATSIAACAS TIMOTHY P.BENOIT

DEFENDANTS EXHIBIT

J. GORDON

SCANNELL

IR

FRED W. BOP? III MARK P. SNOW 'MWAM DAVID I. SHER.S

Dear Ms. Reckards: Enclosed for filing in the above-referenced matter please find the returns of service on Defendant, Twila Wolf, Party-In-Interest City of Bangor, and Party-In-Interest LVNV Funding, LLC. Thank you for your assistance.

B. McCONNELL

PAUl D. I'IETROPAOU HOPE CREAL JACOBSEN RANDY

J CRESWELL

JUlIANNE C RAY DAWN M. HAKMON CHIIJSTOPHEIl M. DARGIE ANTHONY I. MANHART

STEPHANIE A VvlWAMS PETER J. McDONELL KEITH J. DUNLAP SARA N MOPPIN IHFIlJEYACOHEN SHAWN K. LEYDEN

i:». Isr.~l':;'ie
Very truly yours, A. Williams Bar #10012
SAW/ew

OF COUNSEL THOMAS SCHULTEN OW<N DOUGlAS W. WELLS S. CARR

Enclosures (all w/enc.) cc: Twila A. Wolf Pam Dubois, Bangor City Clerk Emma Foster, Legal Documents Specialist (LVNV) Tara St. Onge (via email)

JOHN A ORALDO 1056 ·1010

This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. If you are in bankruptcy or have received a discharge of this debt in bankruptcy, this is not an attempt to collect a debt.

DEFENDANTS EXHIBIT

D

,

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STATE OF MAINE

.. ~ . f---e- IU~.J
DISTRICT COURT Location Docket No. _ _

PENOBSCOT _________

SUPERIOR COURT Docket No. RElO-187

.ss.

..,;;TD,:;...,..:BANK:::::,=~' ....:N:..:..;.;..;,A:..::.-w( f::;/....;:k/.:!.....::a~F::..::i;:=r'-"'s..::.t_~Plaintiff Massachusetts Batik, N.A.) S~ONSrv. MIA A. WOLF, et als Serve: LVNVFunding, U£ Defendant 15 South Main Street, Suite Greenville, South Carolina 600 Address

~
DEFENDANTS EXHIBIT-

The Plaintiff has begun a lawsuit against you in the ~ (Superior) Court, which holds sessions at (street addressy8 Exchange Street, Suite 350 ,in the.!'J Town/City of Bangor ,County of Penobscot ,Maine. If you wish to oppose this lawsuit, you or your attorney MUST PREPARE AND SERVE A WRITTEN ANSWER to the attached Complaint- WITHIN 20 DAYS from thei->day this .. ~. Summons was served upon you. You or your attorney must serve your Answer, by d@vering~a;::, .'-J copy of it in person or by mail to the Plaintiff's attorney, or the Plaintiff, whose name ~ addies~;:' appear below. You or your attorney must also file the original of your Answer with thRourFb:t ~ mailing it to the following address: Clerk of (~ (Superior) Court, ~ .:~!;~~. . 78 Exchange St., Suite 350 Bangor, Maine 0~02
(Mailing Address) (Town, City)

(zfp)

-::=.;_~:. .

before, or within a reasonable time after, it is served. IMPORTANT WARNING

.

==

IF YOU FAIL TO SERVE AN ANSWER WITHIN THE TIME STATED ABOVE, OR IF, AFTER YOU ANSWER, YOU FAIL TO APPEAR AT ANY TIME THE COURT NOTIFIES YOU TO DO SO, A JUDGMENT BY DEFAULT MAY BE ENTERED AGAINST YOU IN YOUR ABSENCE FOR THE MONEY DAMAGES OR OTHER RELIEF DEMANDED IN THE COMPLAINT. IF THIS OCCURS, YOUR EMPLOYER MAY BE ORDERED TO PAY PART OF YOUR WAGES TO THE PLAINTIFF OR YOUR PERSONAL PROPERTY, INCLUDING BANK ACCOUNTS AND YOUR REAL ESTATE MAY BE TAKEN TO SATISFY THE JUDGMENT. IF YOU INTEND TO OPPOSE THIS LAWSUIT, DO NOT FAIL TO ANSWER WITHIN THE REQUIRED TIME. . If you believe the plaintiff is not entitled to all or part of the claim set forth in the Complaint or if you believe you have a claim of your own against the Plaintiff, you should talk to a lawyer. If you feel you cannot afford to pay a fee to a lawyer, you may ask the clerk of court for information as to places where you may seek legal assistance. Date: Stephanie September 21, 2010 A. Williams, Esq.

J~: :l:!~~~t.
,7
Clerk
j

~.¥.--

(Attorney for) Plaintiff One Canal Plaza, P.O. Box 426 Address Port1and~ Maine 04112-0426 (207) 774-2635 Telephone
CV-030 Rev, 09/97

PERKINS

OMPSO
ATTORNEYS & COUNSELORS EST,\flLISHED AT

lAw
1871

ONE CANf,L PLAZA PO BOX 126 PORTLAND 11E 04112 TEL 207.774.2635 FAX 207.871.8026

December 2, 2011

DEFENDANTS EXHIBIT

t'~GG'!:.

J-:•.GliIH

}OHr"l r; HOB:iON

Twila A. Wolf Charlton Allen Butler, Jr. 44 Patten Street, #2 Bangor ME 04401
r

1Ii"IOI !-IY

r-

ceNC!

J. GOHOeN 5G\t'~NB.l. J"-

U::'Vit)B.

r-!.,:·,):"J!\.IfJ.I

Paul S. Nicklas City of Bangor Legal Department 73 Harlow Street Bangor ME 0440 I RE: TD Bank v. Wolf; U.S.C.A. First Circuit No. 11-2364

0A'A'N

1'1 /-I.>\Rr-10N

Dear Ms. Wolf and Messrs. Butler and Nicklas: Enclosed please find a copy of my Notice of Appearance in the above captioned matter.

OF COUNSEL HiQr-jt\$ SCI IUt.TEN

JOJ iN A ':"U'';:.I .. ':::> •. '~t" " :'f.!. t.'

~l'lJn\73So

I;

PERKINS "rHOMPSON
ArrORNEYS & COUNSELORS AT LAw
ESTABLISHED 1871

ONE CANAL PLAZA PO BOX 426 PORTLAND f1E 04 J J 2 TEL 207,774.2635 FAX 207,871.8026

October 14,2011
PHILIPCHUNT JOHN S. UPTON PEGGY L McGEHEE MElISSA HANLEY MURPHY JOHN A. HOBSON JAMES N. KATSlAflCAS TIMOTHY P. BEI,OiT J. GORDON SCANNEll. JR

Twila A. Wolf and Charlton A. Butler, Jr. 44 Patten Street #2 Bangor, ME 04401 Re:

r

TD Bank, NA. v. Wall et al.

---

DEFENDANTS EXHIBIT

I

Dear Ms. Wolf and Mr. Butler: Enclosed please find TD Bank, N.A. and Maine State Housing Authority's Response to Defendant's Objections to Recommended Decision on Motion to Remand and Motion for Costs and Attorney's Fee and Incorporated Memorandum of Law in the above matter.

FRED W. BOP? III MARK P. SNOW WILLIAM J. SHEILS DAVID B. McCONNELL PAUl D. PlETROPAOLI HOPE CREAL JACOBSEN RANDY J. CRESWELL JULIANNE C RAY DAWN CHRISTOPHER ANTHONY M. HARMON M. DARGIE J. ~1ANHART

Sincerely,

,Lc{:Z"jL-~8

/,·l~(~(J'V1u/L(
(r"cf'Y

STEPHANIE A. WILLIAMS PETER J. McDDNELL KErTH j. DUNLAP SARA N. MOPPIN JEFFREY A. COHEN SHAWN K. LEYDEN

David B. McConnell

DBMIkm Enclosure

OF COUNSEL THOMAS OWEN DOUGLAS SCHUlTEN W. WELLS S. CARlR

JOHN A. ClRALDO 1956- 2010

United States Court of Appeals
For the First Circuit
NOTICE OF APPEARANCE
No. 11-2364 Short Title: TD Bank v. Wolf
as counsel on behalf of (please list names of all parties Authority as the
DEFENDANTS EXHIBIT

The Clerk will enter my appearance

represented, using additional sheeus) if necessary): TD Bank, N.:-'\.. ilk/a First Massachusetts Bank, N.A. and IYlaine State Housing
[ ] uppellantts) [ ] petitionerts) [v"] appeUee(s) ] respondent(s)

[ ] amicus curiae [ ] intervenor( s)

/s/ D~~vid B. Mcf.onnell
Signature Davir.l B. Mct.onnell Name Perkins Thompson Firm Name (if applicable)

November Date

28, 2011

(207) 774-2635
Telephone Number

One Canal Plaza, PO Box 426
Address Portland, ME 041 12 City, State, Zip Code Court of Appeals Bar Number: _6=-1=-7.-=.5_4

(207) 871-8026
Fax Number dmcconnell(a?perkinsthompson.com Email (required)

_

Has this case or any related case previously been on appeal?

t/1 No

t 1 Yes

Court of Appeals No.

_

Attorneys for both appellant and appellee must a notice of appearance within 14 days of case opening. New or additional counsel may enter an appearance outside the 14 day period; however, a notice of appearance may not be filed after the appeJIee/respondent brief has been filed without leave of COUlt. 1st Cir. R. J 2.0( z). Counsel must complete and tile this notice of appearance in order to tile pleadings in this court. Counsel not yet admitted to practice before this court must submit an application for admission with this form.
1st Cir. :~. 46.0(a)(2). Effective January 1,2010, use of the Case Management/Electronic Case files (CMJECF) system i,; mandatory for all attomeys filing in this court. Counsel may register at http://pacer.Dsc.uScollrts.gov/.

me

STATE OF MAINE CIVIL

COUNTY OF PENOBSCOT
SUPERIOR DISTRICT COURT

TD BANKN.A.fjkja FIRST MASSACHUSETIS
Plaintiff,

BANK N.A.

Case No.: BANSC-RE-2010-187 Judge:
INJUNCTIVE RELIEF SOUGHT

v.
Joo:t

.:
~ AND ~ . CHARLTON BUTLER JR pro se A. .--<
0
U) 0 M
I

DEFENDANT'S OBJECTION TO PLAINTIFFS MOTION TO LIFT STAY AND MOTION FOR FINAL JUDGMENT WITH INCORPORATED MOTION FOR SANCTIONS, DECLARATORY AND INJUNCTIVE RELIEF AND MEMORANDUM OF LAW. [PROPOSED ORDER]

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TWlLA A. BUTLER fjkja WOLF

UJRYTRIAI, DEMANQEQ

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DEFENDANTS EXHIBIT

[Filed concurrently with Notice of Motion and Defendant's Separate Statement of Undisputed Facts Motion to Disqualify Opposing Counsel Defendants Objection to Plaintiffs Witnesses, Affidavits and Exhibits, Sworn Affidavit of Defendant Twila A. Butler f/kja Wolf, Defendant's Motion For Compensation For Time Spent Preparing Submissions in the Defense of Their Home From Plaintiffs Fraudulent Foreclosure Attempt with Incorporated Motion to Strike, Memorandum of Law and Supporting Exhibits On Objection To Plaintiffs Motion For Lift of Stay And Motion For Summary Judgment On Defendant's objection to Plaintiffs Motion to Lift Stay and Motion For Summary Judgment on Motion for Sanctions, Declaratory and Injunctive Relief. [Proposed Order Granting Defendants Motion] Date of Hearing: Time of Hearing: _ _

H

DEFENDANT'S OBJECTION TO PLAINTIFFS MOTION TO LIFT STAY AND FINAL AND SUMMARY JUDGMENT WITH INCORPORATED MOTION FOR SANCTIONS. DECLARATORY AND INJUNCTIVE RELIEF AND MEMORANDUM OF LAW. [PROPOSED ORDER GRANTING DEFENDANT'S MOTION) TITLE TO REAL PROPERTY INVOLVED iNJUNCTIVE RELIEF SOUGHT JURY TRIAL DEMANDED

i: NOW, come, Defendants TWILA A. BUTLER f/k/a WOLF AND CHARLTON A. BUTLER JR.
Defendant and Defendant-Intervenor with objection to Plaintiffs' Motion for a Lifting of
Defendants Objection To Plaintiff's Motion To Lift Stay And Motion For Final Judgment

DEFENDANTS EXHIBIT

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08

RENEWAL

DECLARATION POL RENEWAL ICY OF POLICY

..-

#

HNP 6263297

H 0 M E 0 W N E R S

POLICY NUMBER HNP 6263297

POLlCY FROM

PER 100

11/21/07

I

TO

COVERAGE IS PROVIDED IN THE THE HANOVER INSURANCE AGENT COMPANY

AGENCY CODE 360728600

11/21/08

NAMED INSURED AND ADDRESS

TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

TELEPHONE: 866-281-7840 HRH NORTHERN NEW ENGLAND PL HANOVER CSC PO BOX 40 AUBURN ME 04212-0040 PREMISES

POLICY PERIOD- 12:01 A.M. STANDARD TIME AT THE RESIDENCE CONSTRUCTION PREM. GROUP

THE PREMISES COVERED BY THIS POLICY IS LOCATED AT THE ABOVE ADDRESS. NO. OF TERR. PROTo YR. SECTION I LOSS SEAS/SEC CODE CONST. DEDUCTIBLE FAM. 2. 03 02. 30 $2.500 PER OCCURRENCE FRAME 9 NO COVERAGE IS PROVIDED WHERE A PREMIUM OR A LIMIT OF LIABILITY IS SHOWN LIMIT OF LIABILITY PREMIUMS SECTION I COVERAGE $155,000 $677.00 A. DWELLING $15,500 B. OTHER STRUCTURES $116,250 C. PERSONAL PROPERTY $47.00 $31,000 D. LOSS OF USE SECTION II COVERAG~ $300,000 EACH OCCURRENCE E. PERSONAL LIABILITY $1,000 EACH PERSON $17.1]0 F. MEDICAL PAY. TO OTHERS TOTAL BASIC PREMIUM - - - - - - - - - - - - $741.00 CREDIT FOR BEING LOSS FREE ADDITIONAL PREMIUMS REPLACEMENT COST ON COVERAGE C - UNSCHEDULED PERSONAL PROPERTY TOTAL ADDITIONAL PREMIUMS - - - - - - - - - - - - RATING CREDITS OPTIONAL DEDUCTIBLE TOTAL RATING CREDITS VALUED CUSTOMER CREDITS CREDIT FOR PROTECTIVE DEVICES TOTAL VALUED CUSTOMER CREDITS TOTAL CREDITS - - TOTAL PREMIUM ADJUSTMENTS TOTAL ANNUAL PREMIUM - MORTGAGEE MSHA ISAOA/ATIMA IN# 49002.2.936 PO BOX 7095 TROY MI 48007 -._~
I

$0.00 $68.00 $68.00 $169.0!lCR $169.00CR $34.00CR $3'4.00CR $203.00CR $135.0IlCR :ii6uj6.00

DEFENDANTS

JXHIBIT ..L6

10/07/07

CONTINUED ON NEXT PAGE 0042478624 ORIGINALIINSURED

DIRECT BILLED PAGE 01 OF

02

DEFENDANTS EXHIBIT

1-7

PAGE 10F

1

PERSONAL INSURANCE Bill
TWILA WOLF
44 PATTEN STREET APT.2
Policy Type: Policy Period: Payment Plan: Bill Date: Total Premium: Payments: Changes:

~

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Halnover .. Insurance Croup
INSURED

ured:

08 36-0'7286 Policy Number: HNP 6263297 07 04401
Homeowners

BANGOR} ME

11-21-07 to 11-21-08
1 Payment

Jo make any. chanqes to your·p()licy;·co.l1tact.:your:agent:.,a~;,:,::,.·:.: '.'. 866-281-7840 HRH NORTHERN NEW ENGLAND PL HANOVER CSC
PO BOX 40

10-07-07 $606.00 $0.00 $0.00

AUBURN ME

04212-0040

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866-281-7840

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Thank

you for renewing

your

coverage

with The Hanover Pay"} a

Insurance

Group. will be included

On any payment plan in each installment
ANY

other after

than "Full the first.

$5.00 service

charge

CHECK RETURNED FOR ACCOUNT CLOSED OR NON-SUFFICIENT FUNDS WILL BE ASSESSED A S10.00 FEE.

DEFENDANTS EXHIBIT

77

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DETACH AND MAIL WITH YOUR PAYMENT MADE PAYABLE TO: THE HANOVER INSURANCE PLEASE PRINT YOUR ACCOUNT OR POLICY NUMBER ON YOUR CHECK. Agent: 36- 0728 6 Insured:

COMPAN3.050 .

TWILA WOLF

111,".1" 1.1" III"" 1111.11•••• 1.1•• 1.1.11 ••• 1 1.1111111111 ••
TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

Indicate Amount Enclosed if Different than Amount Due:

11111,1,11111.1.1,11.1111 •• 1,1111,11 •• 11111111•• 11•• " 1111.1111
HANOVER INSURANCE CO P.O. BOX 4031 WOBURN, MA 01888-4031

For Address Changes Please Contact Your Agent

18252762632970701087

071220000060600000060600111005

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DEFENDANTS EXHIBIT

1-8

-------------

•. -------~

0300

PAGE 1 OF

NOTICE OF CANCELLATION
08

OR REFUSAL TO RENEW

~:'~) -~

.§>

.~'Ha nover

Insurance Croup . I

HOMEOWNERS POLICY 3607286 ISSUED AT AUBURN ME 04212-0040 ANCELLATION TO TAKE EFFECT AT 12:01 AM 12/13/07 DATE OF NOTICE 11/26/07 IF WE DO NOT RECEIVE PAYMENT BEFORE THE CANCELLATION DATE SHOWN ABOVE AT NOON, STANDARD TIME, THE ABOVE MENTIONED POLICY ISSUED TO THE NAMED INSURED IS CANCELLED IN ACCORDANCE WITH THE TERMS AND CONDITIONS OF THE POLICY.

CY NO HNP6263297

HEARING BEFORE INSURANCE SUPERINTENDENT - IF YOU WISH TO CONTEST THE REASON GIVEN FOR THIS CANCELLATION YOU MAY REQUEST A HEARING BEFORE THE INSURANCE SUPERINTENDENT BY WRITING TO THE INSURANCE SUPERINTENDENT, BUREAU OF INSURANCE, STATE HOUSE STATION NO. 34, AUGUSTA, ME 04333, WITHIN 30 DAYS OF THE RECEIPT OF DELIVERY OF THIS NOTICE OF CANCELLATION. PREMIUM ADJUSTMENT

;;;;;;;;;;;;;;;

;;;;;;;;;;;;;;;

~

--~ ;;;;;;;;;;;;;;; ~

-

AS THE PREMIUM DUE HAS NOT BEEN RECEIVED BY THIS COMPANY FOR THIS INSURANCE, THERE IS NONE TO BE RETURNED. A BILL FOR THE EARNED PREMIUM, IF ANY, WILL FOLLOW. HANOVER INSURANCE LINCOLN STREET ORCESTER, MA 01653
4v

-~ -,..

COMPANY
(:C'".
,~: t '

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HRH NORTHERN NEW ENGLAND PL HANOVER CSC PO BOX 40 AUBURN ME 04212-0040 00000 PHONE NUMBER: 1-866-281-7840

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Customer

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127

DEFENDANTS EXHIBIT

IS

:cw

KEEP For Your Records

ALL PAYMENTS ACCEPTED

SUBJECT TO COLLECTION

DETACH AND MAIL WITH YOUR PAYMENT MADE PAYABLE

TO: HANOVER INSURANCJ: COMPAN}'

Agents

Cade:

3607286

306

""'.¥I""t"""~""'li""':' ' ' 'l. ' ' ' ~if'' ' '2' ' '.··~-:C-,!~,O'' -t'' ' ;

Amount

Enclosed:

$

TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

1I1"I1I1III •• I.IIII.IIIIIII

•• IIII1IU1I1'IIII1I1II.
GROUP

,"111.11.1

THE HANOVER INSURANCE PO BOX 4031 WOBURN. MA 01888-4031

18252762632970701087

071216000060600000060600111009

DEFENDANTS

EXHIBIT

1-9

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Maine State Housing Authority c/o Graystcne Mortgage Corp. r, ~;" 142 No r t h Road !) /'S' Sudbury, Mil 01776 ~ ''I/{:,.._/

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8281J,.., YOUR

rw n.a A I'JOLF 44 PATTEN STREET BANGOR

"8" LO~NUMBER~
12/18/07

0

0490022936-

ME 04401

:JA TE:

~.A1IALJ--***
T!...!.I5
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MtlbLI{f:.~
STATEMENT
!.\CTLJ;

6~ret·?:£~<-l\Qo{ ofJ~ f
LAST CYCLES ESCROW ACCOUNT
TRJ.\.~!~.J\C'"T::C~JS

ANNUAL ESCROW ACCOUNT DISCLOSURE

HISTORY

***

s :_~.TE~,,~~~rr

OF

YCL!~

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=':'Sc"RfJ\.l.!

:\('::C·,_l!';:

BEG!~-!"~I~·.:"3 ~~~~~'-!.~.;:?'!. 2.C":\-~

ENDING JANUARY,2008. NEXT TO THE ACTUAL ACTIVITY IS THE ANTICIPATED ACTIVITY. ANTICIPATED ACTIVITY REPRESENTS THE TRANSACTIONS WE HAD PROJECTED AS OCCURRJNG THIS CYCLE. WE ARE PROVIDING IT TO YOU FOR INFORMATION PURPOSES. IT ODES NOT ANY ACTION ON YOUR PART.

YOUR PAYMENT BREAKDOWN
PRIN & INTEREST ESCROVI PAYMENT ROUNDING AMT SHORTAGE PYMT TOTAL

AS OF FEBRUARY,2007
135.89 152.83 0.4519.73 308.00

-- PAYMENTS TO ESCROW -PAYMENTS FROM ESCROW -MONTH ANTICIPATED ACTUAL ANTICIPATED DESCRIPTION ACTUAL DESCRIPTION
FES MA~ APP. MAY
dUN

._- ESCROW BAL~NCE ANTICIPATED ACTUAL
15.6764.76-

c1UL AUG SEP OCT NOV DEC .JAN TOT

152.83 152.83 152.83 152.83 152.83" 152.83 152.83 152.83 152.83" 152.83" 152.83 152.83 1833.96

*
*

*
"

580.44 172.53 517.95 172. 11 172.11 176.23 344.22 172'.11 E. 2307.70

629.53

STARTING BALANCE ===> REAL ESTAT 629.53 REAL ESTAT

*

'"

629.53 575.00
I
I

*REAL

ESTAT

726.YJ

* '"

/771f
*HAZARD

*

, • 606.00 ",-606.00.
.

-r-

629.53 152.88 TLP 305.66 458.49 611.::,2 764.15 916. SJ8 REAL_.~~TAT 440.28 iLfc117 00/1\ 593.11 I 7 Ju. 745.94 HOMEOWNERS \( 323.77 HOMEOWNERS 476.60 ,\"J/¥.'16 629. 4~ /

107.77 107.77 107.77 625.'12 797 .83 243.32 419.55 419.55 157.77 276.12-AlP

1~s'4. 06

.• 2568. 15

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UNDER FEDERAL LAW, WHEN YOUR ACTUAL ESCROW BALANCE REACHES ITS LOWEST POINT, THAT BALANCE TARGETED NOT TO EXCEED 1/6TH OF THE ANNUAL ANTICIPATED DISBURSEMENTS OR $305.66. YOUR ~OAN DOCUMENTS OR STATE LAW MAY SPECIFY A LOWER AMOUNT. UNDER YCUR MORTGAGE (TLP) WAS $152.83. CONTRACT OR STATE OR FEDERAL YOUR ACTUAL LOW POINT ESCROW LAW, YOUR TARGETED LOW POINT BALANCE (ALP) WAS $276.12-. ESCROW

IS

BALANCE

BY COMPARING THE ANTICIPATED DETERMINE WHERE A DIFF~RENCE IN EITHER THE AMOUNT OR DATE THE lETTER E BESIDE AN AMOUNT OCCURRED BUT IS ESTIMATED TO

ESCROW TRANSACTIONS WITH THE ACTUAL TRANSACTIONS YOU CAN MAY HAVE OCCURRED. AN ASTERISK (*) INDICATES A DIFFERENCE OF OUR ANTICIPATED DISBURSEMENTS AND THE ACTUAL DISBURSEMENTS. INDICATES THAT THE PAYMENT OR DISBURSEMENT HAS NOT YET OCCUR AS SHOWN.

DEFENDANTS

EXHIBIT

1-10

Maine State Hous t riq AuHlority c/o Graystone Mortgage Corp. 142 i\;ortr. Road Sudbu~y. MA 01776
;-.

--r\it:~j",;>c-j" ,: =).'~~
t-877-402-0292.
;
• i

DEFENDANTS EXHIBIT

.

X-j{)-

558/P2 n~ILA A \'}OLF 44 PATTEN STREET BANGeR

/

828 YOuR LOAN NUMBER: 0490022936

ME 04401

DATE:

12/18/07

***

ANNUAL

ESCROW ACCOUNT DISCLOSURE

STATEMENT

-

PRO..JECTIONS

*~,*

THIS STATEMENT TELLS YOU OF ANY CHANGES IN YOUR MORTGAGE PAYMENT, ANY SURPLUS REFUNDS, OR ANY SHORTAGE OR DEFICIENCY THAT YOU MUST PAY. IT ALSO SHOWS YOU THE ANTICIPATED ESCROW ACTIVITY FOR YOUR ESCROW CYCLE BEGINNING FEBRUARY,2008 AND ENDING JANUARY,2C09. ---------ANTICIPATED PAYMENTS FROM ESCROW HOMEo\~NERS INS REAL ESTATE TAX TOTAL PERIODIC -----------ANTICIPATED ANTICIPATED TO ESCROW 171.60 171.60 171.60 171 .60 17" .60 171.60 171.60 171.60 171.60 171.60 171.60 171.60 PAYMENT TO ESCROW FEBRUARY, 2008 606.00 1,453.24 2,059.24 171.60 THROUGH .JANUARY, 2009 -.------.-

(1/12 OF "TOTAL

FROM

ESCROW")

MONTH
FEB,08 MAR,08 APR,08 MAY,08 JUN,08 JUL,08 AUG,08 SEP,88 OCT,08 NOV,08 DEC,08 JAN,09 ------------------LEse;

ESCROW ACTIVIlY - FEBRUARY, 2008 THROUGH .JANUARY, 2009 -----------.PAYMENTS --- ESCROW BALANCE COMPARISON FROM ESCROW DESCRIPTION ANTICIPATED REQUIRED ACTUAL STARTING BALANCE ===> 104.01726.62 726.62 REAL ESTATE TAX 659.03-ALP 171.60 RLP 487.433~3.2C 315.83514.80 144.23686.40 27.37 858.00 198.97 ~,029.60 726.62 REAL ESTATE TAX 356.05474.58 184.45646.18 12.85817.78 606.00 HOMEOWNERS INS 447.25383.38 275.65554.98 104.05726.58 THE SUFFICIENCY OF YOUR ESCROW BALANCE -.---------------.-.--

DETERMINING

IF THE ANTICIPATED LOW POINT BALANCE (ALP) IS TH.M\! THi" REQIIIREO LO\'} POINT BALANCE (RLP). THEN YOU hAVE AN ESCROW SHORTAGE .... -------------------------

YOUR

ESCROW

SHO~TAGE

IS ....

830.68-

BORROWER

PAYMENT

CALCULATIONS OF YOUR NEW PAYMENT AMOUNT ------.-----------------PRIN & INTEREST 135.89 * ESCROW PAYMENT 171.60 SHORTAGE PYMT 69.21 ROUNDING AMT 0.70STARTING WITH THE PAYMENT DUE 02/01/08 ==> 376.00

IF YOUR LOAN IS AN ADJUSTABLE RATE MORTGAGE, THE PRINCIPAL & INTEREST PORTION 8F YOUR PAYMENT MAY CHANGE WITHIN THIS CYCLE IN ACCORDANCE WITH YOUR LOAN DOCUMENTS. NOTE: YOUR ESCROW BALANCE MAY CONTAIN A CUSHION. A CUSHION IS AN AMOUNT OF MONEY HELD IN YOUR ESCROW ACCOUNT TO PREVENT YOUR ESCROW BALANCE FROM BEING OVERDRAWN WHEN INCREASES IN THE DISBURSEMENTS OCCUR. FEDERAL LAW AUTHORIZES A MAXIMUM ESCROW CUSHION NOT TO EXCEEO 1!6TH OF THE TOTAL ANNUAL ANTICIPATED ESCROW DISBURSEMENTS MADE DURING THE ABOVE CYCLE. YOUR LOAN DOCUMENTS OR STATE LAW MAY REQUIRE A LESSER CUSHION. WHEN YOUR ESCROW BALANCE REACHES ITS LOWEST POINT DURING THE ABOVE CYCLE, THAT BALANCE IS TARGETED TO BE YOUR CUSHION AMOUNT. YOUR ESCROW CUSHION FOR THIS CYCLE IS $171.60.

DEFENDANTS EXHIBIT

1-11

,

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If

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DEFENDANTS

LlL-

EXHIBIT

DEFENDANTS

EXHIBIT

1-12
,/

~--------,~

U
RECIPIENT'S/LENDER'S name, address, and lelephone number

GUH Ht:G I t:U (ITcnecxec)
• Caution: The amount shown may not be fully deductible by you. Limits based on the loan amount and the cost and vetue of the secured property may apply. Also. you may only deduct inter-

OMB No. 1545·0901

GRAYSTONE SOLUTIONS, INC. 142 NORTH ROAD, SUITE G SUDBURY, MA 01776 Phone: (877) 402·0292
no.

est to the extent it was incurred
by you, actually paid by you, and not reimbursed by another

~..:J

S'~;07
,"/'., I

Mortgage Interest Statement
Copy B For Payer
The information in boxes 1.2. 3, and 4 is important lax infermahan and is being furnished to the Internal Revenue Service. It you are required to file a return, a negligence penalty or otner sanction may be imposed on you if Ihe IRS determines that an underpaymenl ot tax results because you overstated a deduction for this mortgage interest or for these points or because you did not report this refund of interest on your return.

-

RECIPIENT'S

Federal idenlificalion

02·0441936
PAYER'SIBORROWER'S name. street address

I

oerson.
1 Mortgag e interest PAYER'S social security number received

Form

1098

from payer(s)/borro\'ler(s)

545·08·3544
apt. no.), city, state, and ZIP code

$
2 Points paid on purchase Box 2 on back)

1279.87
of principal residence (See

(including

Twila A Wolf 44 Patten St Bangor ME 04401·6226

$
3 Refund of overpaid inlerest

0.00
(See Box 3 on back.)

$
4 Morlgage
Insurance Premiums

0.00
() ()()

$
Account S number (see instructions)

v.vv

0490022936
Form

1098

+ 0170071000000028

09GB95·0918014

(Keep for your records.)

Department

of the Treasury-

Internal

Revenue

Service

PRINCIPAL
BEGINNING BALANCE AMOUNT PAID INTEREST SHORTAGE ADDED TO PRiNCIPAL AMOUNT D!SBURSED ENDING BALANCE

UNAPPLIED
23914.97 684.33 0.00 0.00 23230.64
ENDING BALANCE BEGINNING BALANCE AMOUNT PAID AMOUNT DISBURSED

r
0.00 0.00 0.00 0.00

ESCROW

---I
·15.67 2301.54 ·2568.15 7.77 ·274.51

BUYDOINN ACCO-UNT BALANCE
BEGINNING BALANCE DISBURSEMENTS ADJUSTMENTS

BEGINNING BALANCE

0.00 0.00 0.00

AMOUNT PAID AMOUNT DISBURSED ESCROW INTEREST ENDING BALANCE

ENDING BALANCE

0.00

INTEREST PAID
Gr8SS

IINTEREST SHORTAGE UNPAID BALANCEI ESCROW DISBURSEMENTS
BEGINNING BALANCE

,

I

OTHER ITEMS

INTEREST

1239.13 0.00 0.00 0.00

0.00

REAL ESTATE TAXES DISBURSED

1356.15
LATE CHARGES DUE BUT UNPAID

PREPAID INT. NOT _,JWED PRIOR YEARS LESS INTEREST SUBSIDY (BUYDOWN) LESS INTEREST SHORTAGE LESS PREPAID NOT ALLOWED INTEREST THIS YR.

ADDED INTEREST SHORTAGE

0.00

INSURANCE

1212.00

0.00

0.00 0.00 40.74 1279.87

LESS INTEREST SHORTAGE PREPAID

0.00

LIFE AND/OR DISABILITY

0.00

PLUS INTEREST SHORTAGE PAID LATE PAID CHARGES

ENDING BALANCE

0.00

MIP/PMI

0.00

NET INTEREST PAID

!'.10f)T!?.•.. P01f1.fTS S!:
PAID REFUND OF OVERPAID INTEREST

ESCROW

0,00 0.00
SERVICE CHARGE

nt:"

";,.L,..

O.Ou

MISCELLANEOUS

0.00

PAYMENT CALCULATION
PRINCIPAL INTEREST + ESCROWI IMPOUND CREDIT INSURANCE REPLACEMENT RESERVE MISCE LLANEOUS TOTAL PAYMENT

135.89

172.11

0.00

0.00

0.00

0.00

308.00

SEE BACI( SIDE FOR IMPORTANT INFORMATION
AF0336 Rev 1 01107

DEFENDANTS

II;)..

EXHIBIT

DEFENDANTS EXHIBIT

1-13

DEFENDANTS
+ 0170071 000000028 09GB95·0918014

EXHIBIT

T' l~

Twila A Wolf 44 Patten St Bangor ME 04401-6226 'TRN CODE FB FB PA FWP FWP PA PA PA E90 AP EI FB FP PA PA PA SR FE SR EI AP CWA AP E90 AP EI PA PA E20 FP EI POST DATE 01/08/07 02/01/07 02/16/07 02/16/07 02/16/07 02/16/07 02/16/07 02/16/07 02/23/07 03/12/07 03/30/07 06/01/07 06/04/07 06/04/07 06/04/07 06/04/07 06/04/07 06/04107 06/04/07 06/29/07 07/09/07 07/09/07 08/08/07 08/29/07 09/13/07 09/28/07 11/13/07 11/13/07 11/15/07 12/10/07 12/11/07 12/11/07 . 12/31/07 DUE DATE 10/01/06 10/01/06 11/01/06 11/01/06 11/01/06 12/01/06 01/01/07 02/01/07 02/01/07 03/01/07 03/01/07 03/01/07 03/01/07 04/01/07 05/01/07 06/01/07 06/01/07 06/01/07 06/01/07 06/01/07 07/01/07 07/01/07 08/01/07 08/01/07 09/01/07 09/01/07 10/01/07 11/01/07 11/01/07 11/01/07 12/01/07 12/01/07 12/01/07

TRANSACTlmJ
TRANSACTION AMOUNT 12.00 12.00 1144.37 12.00 12.00 0.00 0.00 0.00 ·629.53 308.00 0.42 _12.00 20.00 938.00 0.00 0.00 ·12.00 12.00 0.00 1.62 319.58 21.00 308.00 -726.62 308.00 4.12 622.79 0.00 ·606.00 -606.00 308.00 5.00 1.61 INTEREST PAID 0.00 0.00 89.68 0.00 0.00 89.51 89.33 89.16 0.00 88.98 0.00 0.00 0.00 88.81 88.63 88.45 0.00 0.00 0.00 0.00 88.28 0.00 88.02 0.00 87.84 0.00 87.66 87.48 0.00 0.00 87.30 0.00 0.00

DETAIL LISTING
PRINCIPAL PAID 0.00 0.00 46.21 0.00 0.00 46.38 46.56 46.73 0.00 46.91 0.00 0.00 0.00 47.08 47.26 47.44 0.00 0.00 0.00 0.00 47.61 21.00 47.87 0.00 48.05 0.00 48.23 48.41 0.00 0.00 48.59 0.00 0.00 ESCROW/ IMP-PAID 0.00 0.00 136.11 0.00 0.00 136.11 136.11 172.11 -629.53 172.11 0.42 0.00 0.00 172.11 J 72.11 172.11 0.00 0.00 0.00 1.62 172.11 0.00 172.11 -726.62 172.11 4.12 172.11 172.11 -606.00 -606.00 172.11 0.00 1.61 LATE CHARGE 0.00 O.'~O ~6.79 0.00 0.00 ;6.79 6.'79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2·.00 30.00 11.58 0.00 0.00 0.00 0.00 0.00 .6.79 0.00 0.00 0.00 0.00 0.00 0.00 OPT-INS CONST-BAl 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 UNAPPLIED FUNDS 0.00 0.00 865.58 0.00 0.00 -278.79 -278.79 -308.00 0.00 0.00 0.00 0.00 0.00 630.00 -308.00 -308.00 -12.00 0.00 -2.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 308.00 -308.00 0.00 0.00 0.00 0.00 0.00

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DEFENDANTS

EXHIBIT

1-14

Hanover Insurance Companies

100 North Parkway Worcester, MA 01605

Accounts

Statement

Payable

VENDOR

NUMBER

CHECK NUMBER

0000000003 3911 TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

0021653911

~?

~. \;l/CCY!

c/(ccl(

'~c'IjfJ
~C/?\/~cf
HRH NORTHERN NEW EN(;J,AND

PL HANOVER CSC PO BOX 40 AUBURN, ME 04212-0040

!-~-

ROo'll

THIS RETURN PREMIUM IS DUE TO CANCELLATION OF YOUR POLICY HNP62632970.

DIRECT BILL

FOR INQUIRIES, CALL 1-800-922-8427
INVOICE NUMBER INVOICE DATE P.O. NUMBER VOUCHER NUMBER AMOUNT

HNP626329707

12/26/2007

00447950 TOTAL

1.212.00 1,212.00

DETACH AND RETAIN FOR YOUR RECORDS BEFORE CASHING OR DEPOSITING

CHECK,

DEFENDANTS

7 Iy

EXHIBIT

DEFENDANTS
EXHIBIT

1-15
)
~~--------------~~

PAGE 1 OF

1

PERSONAL INSURANCE BilL
TWIlA WOLF 44 PATTEN STREET APT,2

~HI~,n~Y!r

-ured:

BANGOR) ME

04401

INSURED 08 36-07286 Be Policy Number: HNP 6263297 07 Policy Type: Homeowners Policy Period: 11-21-07 to 11-21-08
1 Payment

Payment Plan:
To make .any changes to your policy, .contact.your agent at: 866-281-7840 HRH NORTHERN NEW ENGLAND PL HANOVER CSC PO BOX 40 AUBURN ME 04212-0040 Forbillinq/payment questions, customer service-at.' call 866-281-7840
To pay:by phone or onH.ne, contact
us:~ •.·:: t

Bill Date:

01-02-08

Previous Balance: Payments; Changes:

NeW Bal~llce::>:}···
(ju¢D~t~:>

.> :

1-800-573-1187
www.myhanoverpo1icy.com See reverse to authorize enrollment .in our nci-ins~allmenFfeeE'FTpl:ari::::·

. ...: .::)::·~aYElthe~Arnount . Mi~il11uI1lDue:: . . . ::.::) ...:.:-: : :.•

<rDJ~N OW":\<: -...... :
MINIMUM DUE DUE DATE

ACTIVITY DESCRIPTION
Payment(s) Payment Received Reversal

(SINCE LAST BILL)

PAYMENTS/CHANGES $1)212.00 CR
$606.00

Coverage Cancelled - Balance Due Cancellation Effective 11-21-07 Return Premium
~c:scc-ruJTn"r;=-Pre Scn

$606.00 $1,212.00

DUE NOW

Check

Issued

12-26-07

m9 In ormallon.

DEFENDANTS
J)<HIBIT

J

IS

231-1871{9-03}

Insured:

••. PolicyNutnbeeHNFt:6265

297:<Ot} ••

~:;:.~;~e:/:>Jj~Eo:NOW::!/::M:~~:8~~ij1f~~~:~~JJ~f:ml$6~ •• •••..
.•

TWI LA WOLF:B"i.Date~

U.. ?ifi@2?O·S

:tiMi~irtium:bu'iii::>::'::}$606}OO··

..

111•••• 1111.1•• 11111,".11.11'111111 •• 1.1.1111.1 •• 1.1 •• 1111' "
TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

Indicate Amount Enclosed if Different than Amount Due:

" 111111111111111111.1111•• 1•• 111"11I1111"111111,,"11
HANOVER INSURANCE CO P.O. BOX 4031 WOBURN, MA 01888-4031

•• 11.1

For Address Changes Please Contact Your Agent

18252762632970701087

080124000060600000060600931009

DEFENDANTS EXHIBIT

1-16

0997
Current Date Policy Number: Amount Due: $ Effective Date: Cancellation Date:

01/05/08 HNP 6263297 606.00 11/21/06 11/21/07

, ..
J

TWILA WOLF 44 PATTEN STREET BANGOR
.•---=---.

APT.2 ME 04401

'

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IMPORTANT NOTICE"~JtJ.

s: "

.".

. .

. "
i/

./

/~.:. Your policy with our compah~ has cancelled because we did not receive your payment. We have sent you bills and a past due notice allowing sufficient time for you to make your insurance payment. After cancellation your balance is $ 606.00 This amount must be paid upon receipt of this notice. To pay this balance by phone please call 1-800-573-1187 or www.mycitizenspolicy.com. or visit our website at www.myhanoverpolicy.com

. Yj

,0 ensure proper application of your payment please write your policy number on your check, and return your payment and this letter in the envelope provided.

If you have questions regarding this notice, please call 1-800-922-8427 for assistance. payment immediately to prevent further action regarding this past due balance. Sincerely,

Please send your

THE HANOVER

INSURANCE

COMPANY

Notice to Massachusetts Recipients: Please be aware that Massachusetts insurance law may prevent a motorist from obtaining coverage for a vehicle or motorcycle if an outstanding premium balance is not paid in full. (MGL C.175 section 113H(A»

DEFENDANTS

~XHI~T .J.. L

291·0700

i--"DEFENDANTS EXHIBIT

1-17

111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111

@Hanover .. Insurance Croup
#

08

DECLARATION EFFECTIVE H 0 M E 0 W N E R S POL ICY

REINSTATEMENT

11/21/07

POLICY NUMBER

POLICY FROM

PER ion

HNP 6263297

11/21/07

I

TO

COVERAGE IS PROVIDED IN THE

AGENCY CODE

11/21108

THE HANOVER INSURANCE COMPANY
AGENT

360728600

NAMED INSURED AND ADDRESS

TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

TELEPHONE: 866-281-7840 HRH NORTHERN NEW ENGLAND PL HANOVER CSC PO BOX 40 AUBURN ME 04212-0040

POLICY PERIOD- 12:01 A.M. STANDARD TIME AT THE RESIDENCE PREMISES
THE PREMISES COVERED BV THIS POLICY IS LOCATED AT THE ABOVE ADllRESS.

CONSTRUCTI ON

TERR. PROTo PREM. NO. OF YR. SECTION I LOSS SEAS/SEC FAM. GROUP CODE CONST. DEDUCTIBLE 2 03 02 30 $2500 PER OCCURRENCE FRAME 9 NO COVERAGE IS PROVIDED WHERE A PREMIUM OR A LIMIT OF LIABILITY IS SHOWN LIMIT OF LIABILITY PREMIUMS SECTION I COVERAGE $155,000 $677.00 A. DWELLING $15,500 B. OTHER STRUCTURES $116,250 C. PERSONAL PROPERTY $47.00 $31,000 D. LOSS OF USE SECTION II COVERAGE E. PERSONAL LIABILITY $300,000 EACH OCCURRENCE F. MEDICAL PAY. TO OTHERS $1,000 EACH PERSON $17.00 TOTAL BASIC PREMIUM - - - - - - - - - - - - $741.00 CREDIT FOR BEING LOSS FREE $0.00 $68.00 $68.00 $169.00CR $169.00CR 834.00CR 834.00CR $203.00CR $135.00CR $606.00

ADDITIONAL PREMIUMS REPLACEMENT COST ON COVERAGE C - UNSCHEDULED PERSONAL PROPERTY TOTAL ADDITIONAL PREMIUMS - - - - - - - - - - - - RATING CREDITS OPTIONAL DEDUCTIBLE TOTAL RATING CREDITS VALUED CUSTOMER CREDITS CREDIT FOR PROTECTIVE DEVICES TOTAL VALUED CUSTOMER CREDITS TOTAL CREDITS - - TOTAL PREMIUM ADJUSTMENTS TOTAL ANNUAL PREMIUM MORTGAGEE MSHA ISAOA/ATIMA LN# 490022936 PO BOX 7095 TROY, MI 48007

I

-fJL.
j~ 01/08/08

DEFENDANTS

r

Jr

CONTINUED ON NEXT PAGE 0042478624
ORIGINALIINSURED

DIRECT BILLED PAGE 01 OF 02

DEFENDANTS

EXHIBIT

1-18

111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111

PAGE 1 OF 'risured:

1

PERSONAL INSURANCE Bill
08 36-07286
Policy Number: Policy Type: Policy Period: Payment Plan: Bill Date:

TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

HNP 626329.7 07
Homeowners 11-21-07 to 11-21-08 1 Payment

To make .any changes to your policy,·contac:;tYO[jc:agentat;::::>«:>
866-281-7840

01-08-08
$606.00 $0.00 $606.00

HRH NORTHERN NEW ENGLAND PL HANOVER CSC PO BOX 40 AUBURN ME 04212-0040
questions, call customer serviceat: 866-281-7840
or online., contact us .at :: .. 1-800-573-1187 www.myhanoverpo1icy.com ?' pia!).·:

Previous Balance: Payments: Changes:

For billing/payment
To pay by phone

·N~WB~Janc~:.:::::

....:{(:>
Minimum
-.-:";:" :'::-:''":-'.':-':;''::'"

Due:

-:Pay Either

.•....

..

Amouht .:
.
E

.$1) 212:00 $1 .•212;0

"Du~bat~:}·

.'PASrDU

See reverse to· authorize en roliment in .our no-Installment-IeeFs

ACTIVITV DESCRIPTION (SINCE LAST BILL)
Re-Bil1 for Check Return: Your check was returned unpaid by your Bank. Payment must be made by Certified Check or Money Order. Reinstated 01~08-08; Effective 11-21~07

PAYMENTS/CHANGES

MINIMUM DUE
$606.00

DUE DATE
12-26-07

$606.00

$606.00

01-28-08

ANY CHECK RETURNED FOR ACCOUNT CLOSED OR NON-SUFFICIENT

FUNDS WILL BE ASSESSED A $10.00 FEE.

.,T 1£
'" -c
231-18.11(9-03)

DEFENDANTS EXHIBIT

DETACH AND MAIL WITH YOUR PAYMENT MADE PAYABLE TO: THE HANOVER INSURANCE PLEASE PRINT YOUR ACCOUNT OR POLICY NUMBER ON YOUR CHECK. Agent:36-07286

COMPAN6,456
'

Insured::P9IicYN~mb:~EHNP:::6Z63t91irl::PB!A~~W:?

t:::::::~20~:~I::::i:}:i:;i:N0j:Y~~i~f;h~r:¥~~~Ai~/2f3 ..
Indicate Amount Enclosed if Different than Amount Due:

TW ILAW 0LF·ijill·6~tJ~··t::\~j.sttMm8/.MlnJili~il1.:0ti~:::>.:$1"212>P0:':

11111111111111111111111111111111111111111111111111111111111I11
TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

11I11. "llIIlIlllul.I
HANOVER
P.O. BOX

•• I •• IIIIII•••••111111111111111111111.1 1
INSURANCE CO
4031 MA 01888-4031

WOBURN,
For Address Changes Please Contact Your Agent

18252762632970701087

080124000121200000121200151003

DEFENI)ANTS EXHIBIT

1-19

0637

PAGE

1 OF

NOTICE OF CANCELLATION OR REFUSAL TO RENEW
08

~~

~\) Hanove~· Insurance Group_
~
T

HOMEOWNERS POLICY 3607286 ISSUED AT AUBURN ME 04212-0040 :ANCELLATION TO TAKE EFFECT AT 12:01 AM 01/30/08 DATE OF NOTICE 01/13/08 IF WE DO NOT RECEIVE PAYMENT BEFORE THE CANCELLATION DATE SHOWN ABOVE AT NOON, STANDARD TIME, THE ABOVE MENTIONED POLICY ISSUED TO THE NAMED INSURED IS CANCELLED IN ACCORDANCE WITH THE TERMS AND CONDITIONS OF THE POLICY.

'r

CY NO HNP6263297

HEARING BEFORE INSURANCE SUPERINTENDENT - IF YOU WISH TO CONTEST THE REASON GIVEN FOR THIS CANCELLATION YOU MAY REQUEST A HEARING BEFORE THE INSURANCE SUPERINTENDENT BY WRITING TO THE INSURANCE SUPERINTENDENT, BUREAU OF INSURANCE, STATE HOUSE STATION NO. 34, AUGUSTA, ME 04333, WITHIN 30 DAYS OF THE RECEIPT OF DELIVERY OF THIS NOTICE OF CANCELLATION. PREMIUM ADJUSTMENT

AS THE PREMIUM DUE HAS NOT BEEN RECEIVED BY THIS COMPANY FOR THIS INSURANCE. THERE IS NONE TO BE RETURNED. A BILL FOR THE EARNED PREMIUM, IF ANY, WILL FOLLOW. HANOVER INSURANCE LINCOLN STREET IORCESTER, MA 01653
-~c

COMPANY

HRH NORTHERN NEW ENGLAND PL HANOVER CSC PO BOX 40 AUBURN ME 04212-0040 00000 PHONE NUMBER: 1-866-281-7840

Customer

Service:

1-800-922-8427

.. I.
·ccw
KEEP For Your Records
ALL PAYMENTS ACCEPTED SUBJECT TO COLLECTION

-,

DEFENDANTS EXHgBIT

DETACH AND MAIL WITH YOUR PAYMENT MADE PAYABLE

TO: HANOVER INSURANCE

COMPANY

Agents Code:

643

Amount

Enclosed:

$

TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

11I""11111111.1111.1"11111111I","11,".111111'11.11
THE HANOVER INSURANCE PO BOX 4031 WOBURN, MA 01888-4031 GROUP

•• 11.1

18252762632970701087

080202000060600000121200931002

DEFENDANTS

EXHIBIT

1-20

h il b

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0

gal

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hob

b s"

Personal Insurance Service Center , HRH Northern New England 31Court Street, P.O. Box 100 Auburn, Maine 04212·0100

January 25,2008
OJ 800.657-5821 207·777-6223
!
I

Twila Wolf 44 Patten Street Apt 2 Bangor, ME 04401 Dear Ms. Wolf:

www.hrh.com www.hrhnne.com

As you.know, your personal insurance is currently placed by representatives within our HRH Auburn location and serviced by our carrier partner. We recognize that many of our customers prefer to have an agency representative closer to their own location and therefore in an effort to better serve you, we are transferring your account to our Bangor representative for future insurance placement Your new agency account representative will be Kristen Beaulieu. .sten has worked for HRH for more than 11 years and has served our personal ines clients In t e past Kristen can be reached at the following address and numbers: HRH POBox 1080 260 Harlow St Bangor ME 04402-1080 Phone: Toll Free: Fax: E-mail 207-942-4671 800-439-1203 207-942-4678' kristen. beauIieu@hrh.com

.

Please note that this change will not affect your coverage and you may continue to contact our carrier partner for any day to day servicing needs with regard to your existing Hanover policies. Policy Changes, Service & Billing Inquiries: Claims Reporting & Questions: 1-866-281-7840
1-8UU:'b2~-02.S0

We believe this change will be very beneficial to our relationship in assisting you with your future insurance needs however, please do not hesitate to call us if you should have any questions or concerns regarding this change.

Sincerely,

~~'Z~

DEFENDANTS

Michael McInnis, Sf. Vi~e President HRH Northern New England

i

XHJBIT

;;to

DEFENDANTS EXHIBIT

1-21

@}lHanover
PAGE 10F 1

Insurance Croup,

PERSONAL INSURANCE Bill
08 36-07286 Policy Number: HNP6263297 07 11-21-08

INSURED

Policy Type: Homeowners Policy Period: 11-21-07 to Payment Plan: Full Pay 02-03-08 :::r.o.m~k:~:::an.Y.:¢ha@¢$::tpYPUt::p.Q:liM~:¢Q:ma~tYQQt:~g~or:a.t~:: Bill Date: . 866-281-7840 HRH NORTHERN NEW ENGLAND Previous Balance: PL HANOVER CSC Payments: PO BOX 40 Changes: AUBURN ME 04212-0040

',red: TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

:P-rirHlling/paymenfquesHons:/dlWcustomer.:seriliCe:::at:;::::
:::r(j::pay::::by:::'piione:::or::(jnline:/::comacFii-S::::a:t::::::::
1-800-573-1187
www.myhanoverpolicy.com ::$¢¢:T:e.v.¢t:.s¢:m::ii!it11()f:f:;¢::¢r:rj:'9'~tti¢M::m::W.i'::B9~t(:I$\a.IJmMHt!l¢:E:IT:p'I~B::::::::

.

866-281-7840

"-:':-:':'\.:-:.:-

ACTIVITY DESCRIPTION (SINCE LAST BIll) Cancelled - Balance Due Cancellation Effective 01-30-08
Ccveraga

PAYMENTS/CHANGES

MINIMUM DUE $721.75
!

DUE DATE DUE NOW

:::t.' al_
..... ~.~~:.~~~!l~~~L _ _. _ _ _. _--- -- --__ .. __ .. .. -- -.-.-- - -.. __ .. .. -_.. _ __ .__ _ _ .
DETACH AND MAIL WITH YOUR PAYMENT MADE PAYABLE TO: THE HANOVER INSURANCE PLEASE PRINT YOUR ACCOUNT OR POLICY NUMBER ON YOUR CHECK. Agent: 36-07286

DEFENDANTS EXHIBIT

COMPA~339 '

11I•• 111111.11111I.11I1111.11 •••• 1.1 •• 1.1.11.1111.1.11.1111111
TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

Indicate Amount Enclosed if Different than Amount Due:

-------

11I11I.1111I11111 •• 1.1111111•• 11I11I.111111111 •• 11•• 11111111.1
HANOVER INSURANCE CO P.O. BOX 4031 WOBURN, MA 01888-4031

For Address Changes Please Contact Your Agent

18252762632970701087

08012400007217500007_175251008

DEFENDANTS

EXHIBIT

1-22

anove." Insurance Croilp_
08 DECLARATION OF CANCELLATION POL ICY OF PREMIUM
AGENCY CODE 360728600

IW

:#

H 0 M E 0 W N E R S REASON
POLICY NUMBER HNP 6263297

FOR AMENDMENT:
POLICY FROM

POLICY
TO

CANCELLED
THE HANOVER

DUE TO NON-PAYMENT
INSURANCE AGENT COMPANY

11/21/07

I

PER 100

COVERAGE IS PROVIDED IN THE

11121/08

NAMED INSURED AND ADDRESS

TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

TELEPHONE: 866-281-7840 HRH NORTHERN NEW ENGLAND PL HANOVER CSC PO BOX 40 AUBURN ME 04212-0040

POLICY CANCELLATION EFFECTIVE 01/30/08 POLICY PREMIUM CREDIT: SERVICE CHARGE CREDIT: TOTAL CREDIT:
$490.25 $0.00 $490.25

ANY OUTSTANDING PREMIUM DUE ON YOUR POLICY WILL BE DEDUCTED FROM YOUR TOTAL CREDIT. IF YOUR OUTSTANDING PREMIUM EXCEEDS YOUR TOTAL CREDIT, YOU WILL BE BILLED SEPARATELY FOR THE BALANCE.

MORTGAGEE MSHA ISAOA/ATIMA LN* 490022936 PO BOX 7095 TROY, MI 48007

LlJ..

DEFENDANTS EXHIBIT

IF THE BILL FOR THE PREMIUM DUE ON YOUR POLICY IS NOT ENCLOSED, IT WILL BE SENT TO YOU SEPARATELY.

B

02/03/08

0042478624 ORIGINAL/INSURED

DIRECT BILLED PAGE 01 OF 01

DEFENDANTS EXHIBIT

1-23

NOTICE OF CANCELLATION
08

OR REFUSAL TO RENEW

HOMEOWNERS POLICY 3607286 ISSUED AT AUBURN ME 04212-0040 CANCELLATION TO TAKE EFFECT AT 12:01 AM 03/05/08 DATE OF NOTICE 02/17/08 IF WE DO NOT RECEIVE PAYMENT BEFORE THE CANCELLATION DATE SHOWN ABOVE AT NOON, STANDARD TIME~ THE ABOVE MENTIONED POLICY ISSUED TO THE NAMED INSURED IS CANCELLED IN ACCORDANCE WITH THE TERMS AND CONDITIONS OF THE POLICY.
p

~CY NO HNP6263297

HEARING BEFORE INSURANCE SUPERINTENDENT - IF YOU WISH TO CONTEST THE REASON. GIVEN FOR THIS CANCELLATION YOU MAY REQUEST A HEARING BEFORE THE INSURANCE SUPERINTENDENT BY WRITING TO THE INSURANCE SUPERINTENDENT, BUREAU OF INSURANCE, STATE HOUSE STATION NO. 34, AUGUSTA, ME 04333, WITHIN 30 DAYS OF THE RECEIPT OF DELIVERY OF THIS NOTICE OF CANCELLATION. PREMIUM ADJUSTMENT

AS THE PREMIUM DUE HAS NOT BEEN RECEIVED BY THIS COMPANY FOR THIS INSURANCE, THERE IS NONE TO BE RETURNED. A BILL FOR THE EARNED PREMIUM, IF ANY, WILL FOLLOW.
TI'-

HANOVER INSURANCE 4· LINCOLN STREET WORCESTER, MA 01653

COMPANY

HRH NORTHERN NEW ENGLAND PL HANOVER CSC PO BOX 40 AUBURN ME 04212-0040 00000 PHONE NUMBER: 1-866-281-7840

Customer

Service:

1-800-922-8427

~Id.-3
TCCW

DEFENDANTS EXHIBIT

KEEP For Your Records

ALL PAYMENTS

ACCEPTED SUBJECT TO COLLECTION

DETACH AND MAIL WITH YOUR PAYMENT MADE PAYABLE TO: HANOVER INSURANCE COMPANY PLEASE PRINT YOUR ACCOUNT OR POLICY NUMBER ON YOUR CHECK. Agents Code: 3607286

491

Insured~OliCY TWILA WOLF

Number:

HNP6263297:~~~~~::;'p~~j_>l!ti:<.I~~~-1::~~,i!:Bil;LDi;lte:,02l"17JtJ8'1
Amount Enclosed:
$

TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

11111111111I111.1111.1 •• 1.,I ••IIIJJJJ.IL
THE HANOVER INSURANCE PO BOX 4031 WOBURN, MA 01888-4031

I

,,111111"11111111, I

GROUP

18252762632970701087

080308000011575000060600151004

DEFENDANTS

EXHIBIT

1-24

Reprlnt

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*011100481~ 02/13/2008

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EXHIBIT

DEFENDANTS

EXHIBIT

1-25

~Hanover Insurance
08 DECLARATION OF CANCELLATION POL ICY H 0 M E 0 W N E R S REASON
POLICY NUMBER

Group-

FOR AMENDMENT:
POLICY FROM PERIOD

POLICY CANCELLED
TO

DUE TO NON-PAYMENT

OF PREMIUM
AGENCY CODE

HNP 6263297

11/21/07

I

COVERAGE IS PROVIDED IN THE

11121/08

THE HANOVER JNSURANCE COMPANY
AGENT

360728600

NAMED INSURED AND ADDRESS

TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

TELEPHONE: 866-281-7840 HRH NORTHERN NEW ENGLAND PL HANOVER CSC PO BOX 40 AUBURN ME 04212-0040

POLICY CANCELLATION EFFECTIVE 11/21/07 POLICY PREMIUM CREDIT: SERVICE CHARGE CREDIT: TOTAL CREDIT:
$606.00 $0.00 $606.00

ANY OUTSTANDING PREMIUM DUE ON YOUR POLICY WILL BE DEDUCTED FROM YOUR TOTAL CREDIT. IF YOUR OUTSTANDING PREMIUM EXCEEDS YOUR TOTAL CREDIT, YOU WILL BE BILLED SEPARATELY FOR THE BALANCE.

MORTGAGEE MSHA ISAOA/ATIMA LN# 490022936 PO BOX 7095 TROY, MI 48007

L

DEFENDANTS EXHIBIT

a5

03/09/08

0042478624

DIRECT BILLED PAGE 01 OF 01

ORIGINAL/INSURED

DEFENDANTS EXHIBIT

1-26

!1""111111111111111l1111111l11~111~1111111111111111111111111lllllllllllllllllllllllllllllllllll~
PAGE 1 OF 1

~Hanover __ Insurance Croup
INSURED 08 36- 07286 07 Policy Number: HNP -62632."9.7 Policy Type: Homeowners Policy Period: 11-21-07 to 11-21-08 Payment Plan: Full Pay Bill Date: 04-16-08
Previous Balance: Payments: Changes:

PERSONAL INSURANCE Bill
TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

lured:

-Tomake.anychangestoyourpolicy;·contact your agent:at:>: .::• .. 866-281-7840 HRH NORTHERN NEW ENGLAND PL HANOVER CSC PO BOX 40 AUBURN ME 04212-0040 For.billinq/payrnent questions', call- customer 866-281-7840
To

$606.00 $606.00 $606.00

CR

service "at:: ':
.

-

.

pay': by

phone or online/

'contaci>:t:'s:-::at ::::

1-800-573-1187
www.myhanoverpo1icy.com See- reverse :to authorize ·en~ol!hlent in -oJjr·t1Ci~i[istallmen~~Jee·EFTj)I.i:Ht..•• :.

N~vvB~i~hC~:.•_- .-.-••.•..••••.. ..$606.0 ri •..•.__«.... ..-_ -....... .: . / •. y) PciyEither Amount.· •.•• :-.:> n.M~n:~6(~fu)p:~~;:\: \:..~:~ ::>:·$.6·O~(/~/O.O.:·:· , '".,'.:?::/\:>:\ .~.... .,' :oUk{D.:it~{<}lJ5Ap6:-{)&) .-- .- .-- .-.-..•..••.. -. . .. ..... ..
.< ••.•. < -.•• .;-::.
'';. ... .
.
'.

~

ACTIVITY DESCRIPTION Payment(s) Received

(SINCE

LAST BILL)

PAYMENTS/CHANGES $606.00 CR $606.00
CR

MINU'lUM

DUE

D!JE

DATE

Policy Cancelled: Non-Payment Processed 03-09-08; Effective Return Premium Reinstated Check Issued Effective

01-30-08 04-11-08 11-21-07 CLOSED $606.00 $606.00 FUNDS WILL $606.00 iJ5-06-08 A $10.00 FEE.

04-16-08;

ANY CHECK RETURNED

FOR ACCOUNT

OR NON-SUFFICIENT

BE ASSESSED

U""•

-L: '£
231-1871(9-03}

DEFENDANTS -,fXHIBIT

-e-

~j

-'---------.-..--.--_ ..'--'-- -.... -._ ..-.---DE"T"il.ci:'-A·i·iirMAiCiflTfir"YOUR-·PAYMENT"MADE
:PolicyNJmber: Insured:

-PAVASTrio':-'-rHE"'

·HA·':·iov"ER---Ir:fsiiR-AN·cE·-·C -(lMPANi~~;-'
.

PLEASE PRINT YOUR ACCOUNT OR POLICY NUMBER ON YOUR CHECK. ........_-_ .. .... '. .: .•

Agent: 36-07286 HNR6263 291:"Q1:::0ue:Oat~:::>·:.O-Se06:::"08):.:tJe\o'i: $.~-'",ris~~ •. «$606

.nn
.
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TW ILAW 0LF:alll:oatiii:::.:·:>O.4~16~~-a<·::M

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11I""1.,1,1"111"111111,11""1,1,,\.1.11,,.1,,
TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

1.1••1111.11

Indicate Amount Enclosed if Different than Amount Due:

11111"11111111.1••1.1111'111,11I,,".11111111 ••11"'111 ••11.1
HANOVER INSURANCE CO P.O. BOX 4031' WOBURN, MA 01888~4031

For Address Changes Please Contact Your Agent

18252762632970701087

080604000060600000

60600151003

DEFENDANTS

EXHIBIT

1-27

1111111111111111111111111111111111111111111111111111111111111111I111111I11111111I111111111111I1111I1111~

~HanoverCroup .. ~ Insurance
#

08

DECLARATION EFFECTIVE H 0 M E 0 W N E R S POL ICY

REINSTATEMENT

11/21/07

POLICY NUMBER HNP 6263297

I

POLICY PERIOD FROM

I 11/21/07

I

TO

COVERAGE IS PROVIDED IN THE THE HANOVER INSURANCE AGENT COMPANY

AGENCY CODE 360728600

11/21/08

NAMED INSURED AND ADDRESS

TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

TELEPHONE: 866-281-7840 HRH NORTHERN NEW ENGLAND PL HANOVER CSC PO BOX 40 AUBURN ME 04212-0040

pnLICY PERIOD-

12;Q1

A.M. STANDARD

TIME AT

-e-r

In;::

e e--

RESIDENCE

PREMISES ADDRESS.

THE PREM1SE~ CuVERED CONSTRUCTI
ON

BY lHIS POLICY IS LOCATED

AT THE ABOVE

NO. OF TERR. PROT. YR. SECTI ON I LOSS PREM. SEAS/SEC FAM. CODE CONST. DEDUCTIBLE GROUP 2 03 02 30 $2500 PER OCCURRENCE FRAME 9 NO COVERAGE IS PROVIDED WHERE A PREMIUM OR A LIMIT OF LIABILITY IS SHOWN SECTION I COVERAGE LIMIT OF LIABILITY PREMIUMS $155,000 $677.00 A. DWELLING $15,500 B. OTHER STRUCTURES $116,250 $47.00 C. PERSONAL PROPERTY $31,000 D. LOSS OF USE SECTION II COVERAGE E. PERSONAL LIABILITY $300,000 EACH OCCURRENCE $17.00 F. MEDICAL PAY. TO OTHERS $1,000 EACH PERSON TOTAL BASIC PREMIUM - - - - - - - - - - - - $741.00 CREDIT FOR BEING LOSS FREE $0.00 $68.00 $68.00 $169.00CR $169.00CR $34.00CR $34.00CR $203.00CR
$135. !J DC?

ADDITIONAL PREMIUMS REPLACEMENT COST ON COVERAGE C - UNSCHEDULED PERSONAL PROPERTY TOTAL ADDITIONAL PREMIUMS - - - - - - - - - - - - RATING CREDITS OPTIONAL DEDUCTIBLE TOTAL RATING CREDITS VALUED CUSTOMER CREDITS CREDIT FOR PROTECTIVE DEVICES TOTAL VALUED CUSTOMER CREDITS TOTAL CREDITS - - TOTAL PREMIUM ADJUSTMENTS TOTAL ANNUAL PREMIUM

$606.00

MORTGAGEE MSHA ISAOA/ATIMA LN# 490022936 PO BOX 7095 TROY, MI 48007

DEFENDANTS
-.-. ciX:BIT J.7

04/16/08

CONTINUED ON NEXT 0042478624 ORIGINAL/INSURED

PAGE

DIRECT

BILLED PAGE 01

OF

02

DEFENDANTS

EXHIBIT

1-28

~
PAGE 1 OF 1

~\') Hanover .. Insurance Croup
INSURED

PERSONAL INSURANCE Bill
TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401 08 36- 07437 Policy Number: HNP 62:63.297 08 Policy Type: Homeowners Policy Period: 11-21-08 to 11-21-09 Payment Plan: Full Pay Bill Date: 10-07-08

. 'sured:

To make any changes .to .yourpolicy;c:ontactyoUFagent::i3t::<;· 877-428-4003 HRH NORTHERN NEW ENGLAND PL HANOVER CSC 260 HARLOW ST PO BOX 1080 BANGOR ~tE 04402
Forbi Ilingi

Total Premium:
Payments: Changes:
.

$703.00 $0.00 $0.00

To pay

cLlstomerseniice'af::' 877-428-4003 by phone or online /con.-I:actusat'; :::::.:... 1-800-573-1187 www.myhanoverpo1icy.com

paym entq uesti0l1s;c:all·

See.:reversetdau:tho(izeenr:olliiiel]:tinoUrriQ~iristal.lment"fee:E:fTpl:an>::·

Thank you for renewing your coverage with The Hanover billed on the payment plan listed. To choose another * * *Pay Payment exact amount to ensure Amount Due Submit installments

Insurance Group. Coverage is being plan, select fr'om the options below. appr'opriately* * *

are scheduled

Plans Plan Plan Plan Plan

EFT Plan Full Pay Two Pay Four Pay Ten Pay

$58.58 $703.00 $351.50 $175.75 $70.30

amount,

enroll

v~a

instructions

on back

5 months after effective date 2nd, 5th and 8th month after effective date Each month up to 2 months prior to renewal $5.00 FUNDS service WILL charge will be FEE.

any payment plan other than "EFT" and "Full Pay", a ;luded in each installment after the first payment. ANY CHECK RETURNED FOR ACCOUNT CLOSED OR NON-SUFFICIENT

BE ASSESSED

A $10.00

DEFENDANTS _r~~BIT

231-1871 (9·03) ._--------_ .... --- ------------------

--------------------------------------------

_

••

w

---

------------

----------_.

-.---.-

••

--._---------------.--------------------------------------

DETACH AND MAIL WITH YOUR PAYMENT MADE PAYABLE TO: THE H/\NOVER INSURANCE PLEASE PRINT YOUR ACCOUNT OR POLICY NUMBER ON YOUR CHECK. Agent:36-07437 Insured:

COMPAN6.045 '

TWILA

WOLF
Indicate Amount Enclosed if Different than Amount Due:

111•••• 1111,1•• 111'"'1111,11 •••• 1.1•• 1.1.1111.1 •• 1.11.1111I11
TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

11111111.111,,111111.1111,,111111"11I11,,"111111,,"11
HANOVER INSURANCE CO P.O. BOX 4031 WOBURN, MA 01888-4031

•• 11.1

For Address Changes Please Contact Your Agent

18252762632970801081

081220000070300000070300111009

DEFENDANTS

EXHIBIT

1-29

~Hanover
08 RENEWAL DECLARATION RENEWAL POL ICY OF POLICY
#

fnSUf:1I1CC (,rOll[1..

HNP 6263297

H 0 M E 0 W N E R S

POLICYNUMBER

POLICY FROM

11/21/09 11/21 lOB HNP 6263297 NAMED INSUREDAND ADDRESS

I

PERIOD TO

COVERAGE ISPROVIDED INTHE THE HANOVER fNSURANCE COMPANY AGENT TELEPHONE: HRH NORTHERN PL HANOVER 260 HARLOW BANGOR ME 877-428-4003 NEW ENGLAND CSC ST PO BOX 1080 04402

AGENCY CODE 360743700

TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

POLICY PERIOD- 12:01 A.M. STANDARD TIME AT THE RESIDENCE PREMISES THE PREMISES COVERED BY THIS POLICY IS LOCATED AT THE ABOVE ADDRESS. CONSTRUCTION NO. OF TERR. PROTo YR. SECTION I LOSS SEAS/SEC PREM. FAM. CODE CONST. DEDUCTIBLE GROUP 2 03 02 30 $2500 PER OCCURRENCE NO FRAME 9 COVERAGE IS PROVIDED WHERE A PREMIUM OR A LIMIT OF LIABILITY IS SHOWN LIMIT OF LIABILITY PREMIUMS SECTION I COVERAGE $167,000 $795.00 A. DWELLING $16,700 B. OTHER STRUCTURES $125,250 $50.00 C. PERSONAL PROPERTY $33,400 D. LOSS OF USE SECTION II COVERAGE E. PERSONAL LIABILITY $300,000 EACH OCCURRENCE $17.00 F. MEDICAL PAY. TO OTHERS SI,OOO EACH PERSON TOTAL BASIC PREMIUM - - - - - - - - - - - - $862.00 CREDIT FOR BEING LOSS FREE ADDITIONAL PREMIUMS REPLACEMENT COST ON COVERAGE C - UNSCHEDULED PERSONAL PROPERTY TOTAL ADDITIONAL PREMIUMS - - - - - - - - - - - - RATING CREDITS OPTIONAL DEDUCTIBLE TOTAL RATING CREDITS VALUED CUSTOMER CREDITS CREDIT FOR PROTECTIVE DEVICES TOTAL VALUED CUSTOMER CREDITS TOTAL CREDITS - - TOTAL PREMIUM ADJUSTMENTS TOTAL ANNUAL PREMIUM MORTGAGEE MSHA ISAOA/ATIMA LN# 490022936 PO BOX 7095 TROY, MI 48007 $0.00 $80.00 S80.00 S199.00CR $199.00CR $40.00CR $40.00CR $239.00CR S159.00CR $703.00

-------------

= = = ~ =

~ d7
10/07/08

DEFENDANTS _ EXHII?"\T

CONTINUED ON NEXT PAGE 0042478624 ORIGINALIINSURED

DIRECT BILLED PAGE 01 OF 02

c:

""0

DEFENDANTS

EXHIBIT

1-30

~HanoverCroup; Insurance
HNP 6263297 3607286C

Privacy

Policy

As a custom er of The Hanover Insurance Group, lnc., or one of its affiliates, you may share with us non-public, personal information that we may use to provide products or services to you or your business. We are committed to safeguarding the privacy of any non-public, personal information our customers have entrusted to us. This document summarizes the actions we have taken to ensure the privacy of the information you provide. We encourage you to read this document carefully and to contact us if you have any questions. Collection of Information We collect personal information so that we may offer quality products and services. This information may include, but is not limited to, name, address, Social Security number, and consumer reports from consumer reporting agencies in connection with your application for insurance or any renewal of insurance. For example, we may access driving records, insurance scores or health information. Our information sources will differ depending on your state and/or the product or service we are providing to you. This information may be collected directly from you and/or from affiliated companies, non-affiliated third parties, consumer reporting agencies, medical providers and third parties such as the Medical Information Bureau. Disclosure of Information We may disclose non-public, personal information you provide, as required to conduct our business and as permitted or required by law. We may share information with our insurance company affiliates or with third parties that assist us in processing and servicing your account. We also may share your information with regulatory or law enforcement agencies, reinsurers and others, as permitted or required by law. Our insurance companies may share information with their affiliates, but will non-affiliated third parties who would use the information to market products share the non-public personal information of customers of our SEC regulated own products of ours which are SEC regulated with affiliated or non-affiliated information to market products or services to you. Our standards for disclosure apply to all of our current and former customers. Safeguards to Protect Your Personal Information We recognize the need to prevent unauthorized access to the information we collect, including that held in an electronic format on our computer systems. We maintain physical, electronic and procedural safeguards intended to protect all non-publ lc, personal information. Internal Access to Information Access to personal, non public information is limited to those people who need the inform ation to provide our customers with products or services. These people are expected to protect this information from inappropriate access, disclosure and modification. Consumer Reports In some cases, we may obtain a consumer report in connection with an application for insurance. Depending on the type of policy, a consumer report may include information about you or your business, such as: "
G

not share information with or services to you. We do not companies or customers who companies who would use that

character, general reputation, personal characteristics, mode of living; credit history, driving record (im:!uding records of any operators who wilt be insured under the policy); and/or an appraisal of your dwelling or place of business that may include photos and com ments on its general condition.

Access to Information Upon written request, we will inform you if we have ordered an investigative consumer report. You have the right to make a written request within a reasonable period for information concerning the nature and scope of the report and to be interviewed as part of its preparation. You may obtain a copy of the report from the reporting agency and, under-certain circumstances; you may be entitled to a copy at no cost.

.fH~

DEFENDANTS

DEFENDANTS EXHIBIT

1-31

~Hanover Insurance Croup.
HNP 6263297 3607286

TWILA WOLF 44 PATTEN STREET APT.2 BANGOR, ME 04401

Dear Policyholder: As your local independent agent and on behalf of the employees of The Hanover Insurance Group from coast to coast, thank you for renewing your insurance coverage with us. Since 1852 Hanover has provided quality insurance protection. Today, nearly one million people insure their automobiles, homes, boats, businesses and more with one of The Hanover Insurance Group's fine companies. Hanover has a very simple corporate goal: To provide affordable insurance to responsible safety-minded customers - customers like you. We are proud of the excellent rating Hanover has earned within our industry and of their reputation for treating customers responsibly. Your renewal policy has been prepared with care. Please take time to review it. including your new Declarations Page which illustrates your coverage selections and limits of protection. If you have any questions, or if there are credits to which you feel entitled, please contact us. Sincerely,

= ~

HRH NORTHERN NEW ENGLAND PL HANOVER CSC PO BOX 40 AUBURN ME 04212-0040 TELEPHONE: 866-281-7840

_'1: 3i

DEFENDANTS EXHIBIT

DEFENDANTS EXHIBIT

1-32

-----------------CALCULATION OF YOUR NEW PAYMENT AMOUNT PRINCIPAL & INTEREST ESCROW (1/12TH OF ANNUAL ANTICIPATED DISBURSEMENTS AS COMPUTED ABOVE) PLUS: OPTIONAL INSURANCE PREMIUMS PLUS: REPLACEMENT RESERVE OR FHA SVC CHG PLUS: SHORTAGE PAYMENT MINUS: SURPLUS CREDIT ROUNDING ADJUSTMENT MINUS: BUYDOWN/ASSISTANCE PAYMENTS BORROWER PAYMENT STARTING WITH THE PAYMENT DUE 05/01/08

135.89 171. 60 0.00 0.00 12.29 0.00 -0.78 0.00 319.00

NOTE: YOUR ESCROW BALANCE MAY CONTAIN A CUSHION. A CUSHION IS AN AMOUNT OF MONEY HELD IN YOUR ESCROW ACCOUNT TO PREVENT YOUR ESCROW BALANCE FROM BEING OVERDRAWN WHEN INCREASES IN THE DISBURSEMENTS OCCUR. FEDERAL LAW AUTHORIZES A MAXIMUM ESCROW CUSHION NOT TO EXCEED 1/6TH OF THE TOTAL ANNUAL ANTICIPATED ESCROW DISBURSEMENTS MADE DURING THE ABOVE CYCLE. THIS AMOUNT IS 343.20. YOUR LOAN DOCUMENTS OR STATE LAW MAY REQUIRE A LESSER CUSHION. WHEN YOUR ESCROW BALANCE REACHES ITS LOWEST POINT DURING THE ABOVE CYCLE, THAT BALANCE IS TARGETED TO BE YOUR CUSHION AMOUNT. YOUR ESCROW CUSHION FOR THIS CYCLE IS 171.60.

L:828:ES

DEFENDANTS

raa.

EXHIBIT

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\

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I DEFENDANTS
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II

EXHIBIT

1..33

-----------------CALCULATION OF YOUR NEW PAYMENT AMOUNT PRINCIPAL & INTEREST ESCROW (1/12TH OF ANNUAL ANTICIPATED DISBURSEMENTS AS COMPUTED ABOVE) PLUS: OPTIONAL INSURANCE PREMIUMS PLUS: REPLACEMENT RESERVE OR FHA SVC CHG PLUS: SHORTAGE PAYMENT MINUS: SURPLUS CREDIT ROUNDING ADJUSTMENT MINUS: BUYDOWN/ASSISTANCE PAYMENTS BORROWER PAYMENT STARTING WITH THE PAYMENT DUE 05/01/08

135.89 171. 60 0.00 0.00 12.29 0.00 -0.78 0.00 319.00

NOTE: YOUR ESCROW BALANCE MAY CONTAIN A CUSHION. A CUSHION IS AN AMOUNT OF MONEY HELD IN YOUR ESCROW ACCOUNT TO PREVENT YOUR ESCROW BALANCS FROM BEING OVERDRAtvN WHEN INCREASES IN THE DISBURSEMENTS OCCUR. FEDERAL LAW AUTHORIZES A MAXIMUM ESCROW CUSHION NOT TO EXCEED 1/6TH OF THE TOTAL ANNUAL ANTICIPATED ESCROW DISBURSEMENTS MADE DURING THE ABOVE CYCLE. THIS AMOUNT IS 343.20. YOUR LOAN DOCUMENTS OR STATE LAW MAY REQUIRE A LESSER CUSHION. WHEN YOUR ESCROW BALANCE REACHES ITS LOWEST POINT DURING THE ABOVE CYCLE, THAT BALANCE IS TARGETED TO BE YOUR CUSHION AMOUNT. YOUR ESCROW CUSHION FOR THIS CYCLE IS 171.60.

L: 828 : ES

DEFENDANTS EXHIBIT

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Graystone Solutions, 142 North Road, Suite G Sudbury, MA 01776

Account Number: 0490022936 Statement Date: 12/11/2007 For the property located at: 44 Patten Street Bangor ME 04401

Payment Information Next Due Date: 01/01/1 P&I Payment: S135.1 Escrow Payment: S172. Optionallns.Payment: SO'( Total Monthly Payment: S308( Total Amount Due Now: S308.( Summary Information Interest Rate: Principal Balance: Escrow Balance: YTD Interest Paid: YTD Taxes Paid: Unpaid Fees: Late Charges Due: Unapplied Funds: 4.50000' S23,230.E -S276.1 S1,239.1 S1,356.1 SO.O SO.O SO.O

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09GM01

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Customer Service: Phone: (877) 402-0292 Monday - Friday Hours: 8:30 AM - 5:30 PM ET Fax: (978) 371-5975 myh omeloan.gmc-mtg .com

TWILA A WOLF
44 PATTEN ST BANGOR ME 04401-6226

III, " ,1,,1,1,,111, " ",II, II " '11,1,,1,1,111 " 1111,1'11111111

Monthly Mortgage Statement
Important Messages
Pay by Web: myhomeloan.gmc-mtg.com Pay by Phone: (877) 402-0292, option 6 - Web and phone payments received after 4 PM EST Mon-Fri will be credited to your account the next business day. Monthly statements are now available online. Login at mynomeloan.qmc-mtq.com and click on eStatements to sign up. eStatement customers can make online payments FREE up to 10 days after their due date.

Activity Since Last Statement
Posting Date 11/15 12/10 12/11 12/11 Description Total Principal Interest Escrow Late Charge 0.00 0.00 0.00 0.00 Misc. Optional Insurance 0.00 0.00 0.00 0.00

Insurance Insurance Mortgage Payment Fee Received; Not Billed

-606.00 -606.00 308.00 5.00

0.00 0.00 48.59 0.00

0.00 0.00 87.30 0.00

-606.00 -606.00 172.11 0.00

0.00 0.00 0.00 5.00

-

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IIBIIIIII Account Number: 0490022936 Statement Date: 01115/2008 For the property located at: 44 Patten Street Bangor ME 04401

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Graystone Solutions, Inc. 142 North Road, Suite G Sudbury, MA 01776

Payment Information Next Due Date: 02/01/0 P&I Payment: S135.8 Escrow Payment: S240.1 Optionallns.Payment: SO.O Total Monthly Payment: S376.0 Total Amount Due Now: S376.0 Summary Information Interest Rate: 4.50000°, Principal Balance: S23,181.8; Escrow Balance: S503.6: YTD Interest Paid: S87.1 YTD Taxes Paid: SO.O! Unpaid Fees: SO.O! Late Charges Due: SO.O( Unapplied Funds: SO.O(

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TWILA A WOLF 44 PATTEN ST'; , BANGOR ME 04401-6226

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Monthly Mortgage Statement

Important Messages
Pay by Web: myhomeloan.gmc-mtg.com Pay by Phone: (877) 402-0292, option 6 - Web and phone payments received after 4 PM EST Mon-Fri will be credited to your account the next business day. Monthly statements are now available online. Login at myhomeloan.gmc-mtg.com and click on eStatements to sign up. eStatement customers can make online payments FREE up to 10 days after their due date.

Activity Since Last Statement
Posting Date 01/15 01/15 Description Total Principal Interest Escrow Late Charge 0.00 0.00 Misc_ Optional Insurance 0.00 0.00

Mortgage Payment Miscellaneous Transaction

308.00 606.00

48.78 0.00

87.11 0.00

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DEFENDANTS EXHIBIT

1-44
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Graystone Solutions, lnc, 142 North Road. Suite G Sudbury. MA 01776

Account Number: 0490022936 Statement Date: 04/09/2008 For the property located at: 44 Patten Street Bangor ME 04401

Payment Information Next Due Date: 05/01 IDE P&I Payment: S135.8£ Escrow Payment: S183.11 Optionallns.Payment: SODa Total Monthly Payment: S319.o0 Total Amount Oue Now: S376.00 Summary Information Interest Rate: 4.50000% Principal Balance: S23,034.43 Escrow Balance: S311.53 YTD Inlerest Paid: S347.35 YTD Taxes Paid: S726.62 Unpaid Fees: SO.OO Late Charges Due: SO.OO Unapplied Funds: SO.OO

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TWILA A WOLF 44 PATTEN ST BANGOR ME 04401-6226

111111111111 11111 J 111111 11111111111111111111111

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Monthly Mortgage Statement
Important Messages
Pay by Web: myhomeloan.gmc-mtg.com Pay by Phone: (877) 402-0292. option 6 - Web and phone payments received after 4 PM EST Mon-Fri will be credited to your account the next business day. Monthly statements are now available online. Login at myhomeloan.pmc-mtq.corn and click on eStatements to sign up, eStatement customers can make online payments FREE up to 10 days after their due date.

Activity Since last Statement
Posting Description Total Principal Interest

Date
03/31 03/31 04/09 Insurance Insurance Mortgage Payment -606,00 606,00 319,00 0,00 0.00 49.33 0,00 0,00 86.5f,

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606.00 606,00 183.11

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---

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DEFENDANTS EXHIBIT

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DEFENDANTS EXHIBIT

1-45

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Twila A Wolf 44 Patten St Bangor ME 04401-6226 TRANSACTION DETAIL LISTING
TRN CODE PA SR AP E90 AP M20 M20 EI AP AP AP EI AP AP E90 EI E20 PA PA SR PA AP EI POST DATE 01/15/08 01/15/08 02/14/08 02/27/0B 03/10/08 03/31/08 03/31/08 03/31/08 04/09/08 06/09/08 06/10/08 06/30/08 07/14/08 08/18/08 09/04/08 09/30/08 10/17/08 10/20/08 10/20/08 10/20/08 11/20/08 12/15/08 12/31/08 DUE DATE 01/01/08 01/01/08 02/01/08 02/01/08 03/01/08 03/01/08 03/01/08 03/01/08 04/01/08 05/01/08 06/01/08 06/01/08 07/01/08 08/01/08 08/01/08 08/01/08 08/01/08 09/01/08 10/01/08 10/01/08 11/01/08 12/01/08 12/01/08 TRANSACTION AMOUNT 308.00 606.00 308.00 -726.62 314.00 -606.00 606.00 1.22 319.00 319.00 325.79 1.60 319.00 326.00 -807.72 2.92 -703.00 651.58 0.00 0.00 325.00 339.00 0.54 INTEREST PAID 87.11 0.00 86.93 0.00 86.75 0.00 0.00 0.00 86.56 86.38 86.19 0.00 86.01 85.82 0.00 0.00 0.00 85.63 85.44 0.00 85.25 85.06 0.00 PRINCIPAL PAID 48.78 0.00 48.96 0.00 49.14 0.00 0.00 0.00 49.33 49.51 49.70 0.00 49.88 50.07 0.00 0.00 0.00 50.26 50.45 0.00 50.64 50.83 0.00 ESCROW/ IMP-PAID 172.11 606.00 172.11 -726.62 178.11 -606.00 606.00 1.22 183.11 183.11 189.90 1.60 183.11 183.32 -807.72 2.92 -703.00 183.11 183.11 13.58 183.11 203.11 0.54 LATE CHARGE 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.79 0.00 0.00 0.00 0_00 0.00 0.00 6.00 0.00 0.00 OPT-INS CONST-BAL 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 UNAPPLIED FUNDS 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 332.58 ·-319.00 -13.58 0.00 0.00 0.00

I-15

DEFENDANTS EXHIBIT

(
DEFENDANTS EXH-IBIT

'---------/

MAINE FORECLOSURE
June 19, 2010

LAW"

Presented by: Stephanie A. Williams, Esq.

PERKINSITHOMPSON
One Canal Plaza, PO Box 426 Portland, ME 04112-0426 207-774-2635 swilliams@perkinsthompson.com
Two types of foreclosure processes in Maine
DEFENDANTS EXHIBIT

1.
2. Judicial

Judicial Power of Sale

Pre-Litigation •

Steps

The Notice to Cure Letter (the "Default Letter"): Prepared by the mortgagee o Recent foreclosure the Maine foreclosure The cure period prior been extended to 35 law change: One of the significant changes to laws are the requirements for Default Letters. to the commencement of a foreclosure action has days

Within 3 days of sending a Default Letter to a borrower, the mortgagee must provide electronic notice to the Maine Bureau of Consumer Credit Protection (via this website: http://www.maine.gov/pfr/consumercreditlpreforeclosure report form.html) of most of the information contained in the Default Letter, as well as the fact that the Default Letter was sent by the mortgagee

* The information and suggestions presented at this seminar is subject to constant change and, therefore, should serve only as a foundation for further investigation and study. All information and procedures contained or used in conjunction with this seminar should be carefully reviewed and should serve only as a guide for use in specific situations.

Commencement of Foreclosure Process • Request for Title Rundown: Counsel will first request a title search
o

Run from the date of the mortgage going forward. If the mortgagee is aware of the possibility of a senior mortgage, counsel should be advised

Prepare and file Complaint
o

All junior lienholders will be named in the foreclosure Complaint as Parties-In-Interest. The priority of each is generally determined by the date of recording of the liens • • • Federal or State Tax liens Judgment Liens Junior Mortgagees

o

Holders of senior liens (including real estate tax liens) are not named as Parties-In-Interest

Service of the ComplaintlTime to Answer: The Defendant (i.e., the borrower) and all parties-in-interest must be served with a copy of the Summons, a copy of the Complaint, and in the case of the Defendant, a one-page Answer form (see attachment), which must be filed with the Court within 20 days of service of the Complaint
o

If the Defendant fails to answer, counsel will file a Motion for Default Judgment and Summary Judgment, supported by an Affidavit of mortgagee

Recent foreclosure law change: Pursuant to Maine's new foreclosure laws, if the Defendant answers the Complaint, he or she can also request mediation. If so requested, the Court will schedule mediation. In certain circumstances, a lender may move to terminate the mediation
o

A mortgagee's representative with authority to modify the loan must attend the mediation in person or via telephone Counsel for the mortgagee must attend the mediation in person NPV worksheet used to determine the availability/appropriateness of loan modification (the NPV worksheet is located at this website: http://www.fdic.gov/consumerslloanslloanmodlloanmodguide.html)

o o

-2-

o •

HAMP modifications

also a possibility counsel will file a Motion

Summary Judgment: If mediation is unsuccessful, for Summary Judgment.

Post-Judgment • Period of Redemption: From the date of entry of judgment, thew is a statutory gO-day period of redemption during which time the borrower may redeem the mortgage by paying all sums due (or, at the mortgagee's option, cure the defaults and reinstate the mortgage) Notice of Public Sale: After the period of redemption the mortgagee advertises a public auction sale has expired, counsel for

Foreclosure Auction: A foreclosure auction is generally held in the same county where the property at issue is located.
o

Prior to a foreclosure auction, it is important that the mortgagee obtain an appraisal of the mortgaged property so the mortgagee and counsel know its present fair market value At the closing, the highest bidder receives a quitclaim deed Recent foreclosure law change: Pursuant to Maine's new foreclosure laws, the mortgagee is now responsible for the full real estate transfer tax when the mortgagee deeds the property to itself (i.e., as Seller and Buyer)

o o

Report of Sale: After the foreclosure sale closes, the counsel for the mortgagee prepares and files with the Court a Report of Sale and an accounting of the disbursements of the proceeds from the sale Deficiency: The mortgagee may request that counsel pursue the deficiency on the loan, which is generally calculated as part of the Report of Sale. Counsel will prepare the Motion for Deficiency Judgment and, once granted, will obtain the Writ of Execution Evictions: In the Foreclosure Judgment, counsel includes language that provides that a Writ of Possession, which is the legal instrument compelling Defendants living in the foreclosed premises to vacate the premises

o Recent foreclosure

law Change: A copy of the Foreclosure Judgment must be served on any tenant of the foreclosed premises. After providing the Notice, and following the redemption period, the

- 3-

mortgage may institute a forcible entry and detainer (FED) action, subject to federal laws regarding evictions • Federal foreclosure law change: Pursuant to the Helping Families Save Their Homes Act of 2009, 12 U.S.C. § 5201 et seq., if the mortgagee intends to evict a tenant, the mortgagee must generally provide a tenant a 90-day notice prior to commencing the FED

Power of Sale • Only available in commercial foreclosures that contain very specific power of sale language in the mortgage. See 33 M.R.S.A. § 501-A This streamlined method of foreclosure will generally allow a sale, with no redemption period, within 60 days A notice of foreclosure sale is published at least 21 days before the sale, and an affidavit of notice of mortgagee's sale of real estate is recorded in the appropriate registry of deeds and sent by registered mail to the mortgagor and to all partiesin-interest. The notice of sale is published for 3 consecutive weeks

o

Recent foreclosure law change: The mortgagee shall provide a copy of the notice of foreclosure sale to all tenants if the mortgagee knows or should know by exercise of due diligence that the property is occupied as a rental unit. Notice to a tenant may be served on the tenant by sheriff or may be sent by first class mail and registered mail at the tenant's last known address

If the mortgagee desires to preserve its right to pursue a deficiency claim, a notice of intention to sell and hold liable for deficiency must be sent to the mortgagors at least 21 days before the sale The sale is generally conducted by an auctioneer and must be held "on or near the mortgaged premises" Within 30 days after the sale, an affidavit of exercise of power of sale foreclosure with an attached certificate of publication is then recorded in the appropriate registry of deeds Issues Borrowers may offer a deed-in-lieu of foreclosure to the

Other Foreclosure • Deed-in-Ueu: mortgagee

-4-

~ERIES

: 001 THRU ISO

ORIGINATOR : 001 THRU 200 PURCHASE DATE: 03/15/01 . 03/15/01 BOND SERIES 124 2000-0 MPP ORIGINATOR 108 BANKNORT" MORTGAGE LOAII l4ORTGAGOR NAME NBR SERV REf NBR

MAINE STATE HOUSING AUTHORITY SERVICER PURCHASE REPORT BY SERIES

PAGE II REPORT /I DATE RUN

.~LR04

03/12/0

LOAII PURCHASE INT PTO MATURITY INT RATE TYPE TER" DATE FIRST PHT DATE lEVEL PHT

PRIN PURCH SERV FEE SERV POOL POOL CERT NBR lOAN AMT RATE HBR H' INS REf NUMBER

37339 •. ~
5000067700 I

12

360

03115/01

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••

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