burdensome

,

intended to annoy, embarrass and oppress Plaintiff and is not reasonably calculated Notwithstanding tile foregoing, pursuant to

to the lead to the discovery of admissible evidence, M.R. Civ.P, 34(b), Plaintiff will make non-privileged

documents in its loan file, produced as it is and copying at a

kept in the ordinary course of business, available to Defendant forinspection mutually agreeable time and place.

19. REQUEST NO.J9: Any and all document(s)estabtishing this Mortgage/Deed of Trust and any Note;

any Beneficiary for

RESPONSE: Plaintiff objects to Request No. 19 on the basis that it is overbroad,
burdensome, intended to annoy, embarrass and oppress Plaintiff and is not reasonably calculated to the lead to the discovery of admissible evidence. M.R. Civ.P. 34(b), Plaintiff will make non-privileged Notwithstanding the foregoing, pursuant to

documents in its loan file, produced as it is

kept in the ordinary course of business, available to Defendant for inspection and copying at a mutually agreeable time and place.

20.

REQUEST NO. 20: Any documentation

evidencing the Mortgage/Deed

of Trust

is not a constructive trust or any other form trust;

RESPONSE.: Plaintiff objects to Request No. 20 on the basis that it is overbroad,
burdensome, intended to annoy, embarrass and oppress Plaintiff and is not reasonably calculated Notwithstanding the foregoing, pursuant to

to the lead to the discovery of admissible evidence. M.R Civ.P, 34(b), Plaintiff will make non-privileged

documents in its loan file, produced as it is

kept in. the ordinary course of business, available to Defendant for inspection and copying at a mutually agreeable time and place,

21. REQUEST NO.21: All data, information, notations, text, figures and information contained in your mortgage servicing and accounting comnuter systems. including.

-10-

but not limited to Al1tel or Fidelity Cl'I system, or any other similar mortgage servicing software used by you, any servicers, or sub-servicers of this mortgage account from the inception of this account to the date of this letter.

RESPONSE: Plaintiff objects to Request No. 21 on the basis that it is overbroad,
burdensome, intended to annoy, embarrass and oppress Plaintiff and is not reasonably calculated to the lead to the discovery of admissible evidence. In addition, Request No. 21 appears to call or commercial

for the production of trade secret or other confidential, research ..development information, non-privileged Notwithstanding

the foregoing, pursuant to M.R. Civ.P. 34(b), Plaintiff

will make

documents in its loan file, produced as it is kept in the ordinary course of business,

available to Defendant for inspection and copying at a mutually agreeable time and place.

22. REQUEST NO. 22: All descriptions and legends of all Codes used in your mortgage servicing and accounting system so the examiners and auditors and experts retained to audit and review this mortgage account may properly conduct their work. RESPONSE: burdensome, Plaintiff objects to Request No. 22 on the basis that it is overbroad,

intended to annoy, embarrass and oppress Plaintiff and is not reasonably calculated In addition, Request No. 22 appears to call or commercial

to the lead to the discovery of admissible evidence.

for the production of trade secret or other confidential, research, development information. non-privileged Notwithstanding

the foregoing, pursuant to M.R. Civ.P. 34(b), Plaintiff will make

documents in its loan file, produced as it is kept in the ordinary course of business,

available to Defendant for inspection and copying at a mutually agreeable time and place.

23. REQUEST NO. 23: All assignments, transfer, allonge, or other documents evidencing a transfer, sale or assignment of this mortgage, deed of trust, monetary instrument OJ other document that secures payment by me to this obli.gation in this account from the inception of this account to the present date including any such assignment on MERS. RESI'ONSE: Plaintiff objects Request No. 23 ou the basis that it is overbroad,

to

-11-

burdensome, intended to

3lIDOY,

embarrass and oppress Plaintiff and is not reasonably calculated Notwithstanding the foregoing, pursuant to

to the lead to the discovery of admissible evidence. M.R. Civ.P. 34(b), PlaintiffwiU make non-privileged

documents in its loan file, produced as it is

kept in the ordinary course of business, available to Defendant for inspection and copying at a mutually agreeable time and place.

24. REQUEST NO. 24: All records, electronic or otherwise, of assignments mortgage, monetary instrument or servicing rights to this mortgage including any such assignments on MERs. Graystone being a member of MERs. RESPONSE:

of this

Plaintiff objects to Request No. 24 on the basiis that it is overbroad,

burdensome, intended to annoy, embarrass and oppress Plaintiff and is not reasonably calculated to the lead to the discovery of admissible evidence. M.R. Civ.P. 34(b), Plaintiff will make non-privileged Notwithstanding

the foregoing, pursuant to

documents in its loan file, produced as it is

kept in the ordinary course of business, available to Defendant for inspection and copying at a mutually agreeable time and place.

25. REQUEST NO. 25: All deeds in lieu, modifications to this mortgage, monetary instrument or deed of trust from the inception of tills account to the present date.

RESPONSE:

Plaintiff objects to Request No. 25 on the basis that it. is overbroad,

burdensome, intended to annoy, embarrass and oppress Plaintiff and is not reasonably calculated to the lead to the discovery of admissible evidence. M.R. Civ.P. 34(b), Plaintiffwill Notwithstanding the foregoing, pursuant to-

make non-privileged

documents in its loan file, produced as it irs

kept in the ordinary course of business, available to Defendant for inspection and copying at a: mutually agreeable time and place.

-12-

26.

REQUEST NO. 26: The front and back of each and every canceled check,

money order, draft, debit or credit notice issued to any servicers of this account for payment of any monthly payment, other payment, escrow charge, fee or expense on this account.

RESPONSE:

Plaintiff objects to Request No. 26 on the basis that it is overbroad,

burdensome, intended to annoy, embarrass and oppress Plaintiff and is not reasonably calculated to the lead to the discovery of admissible evidence. M.R. Civ.P. 34(b), Plaintiff will make non-privileged Notwithstanding the foregoing, pursuant to

documents in its loan file, produced as it is

kept in the ordinary course of business, available to Defendant for inspection and copying at a mutually agreeable time and place. 27. REQUEST NO. 27: AU escrow analyses conducted on this account from the inception of this account until the date of this letter.

RESPONSE: Plaintiff objects to Request No. 27 on the basis that it is vague,
overbroad, burdensome, intended to annoy, embarrass and oppress Plaintiff and is not reasonably In addition, Request No. 22 or

calculated to the lead to the discovery of admissible evidence.

appears to call for the production of trade secret or other confidential, resea ch, development commercial information. Notwithstanding

the foregoing, pursuant to M.R. Civ.P. 34(b), Plaintiff

will make non-privileged

documents in its loan file, produced as it is kept in the ordinary course

of business, available to Defendant for inspection and copying at a mutually agreeable time and place.

28. REQUEST NO. 28: The front and back of each and every canceled check, draft or debit notice issued for payment of closing costs, fees and expenses listed on any and all disclosure statements including, but not limited to, appraisal fees inspection fees tide searches, tide insurance fees, credit life insurance premiums, hazard insurance premiums, commissions: attorney tees, points, etc. RESPONSE: Plaintiff objects to Request No. 28 on the basis that it is overbread,

burden orne, intended to annoy, embarrass and oppress Plaintiff and is. not reasonably calculated -13-

to the lead to the discovery of admissible evidence. M.R. Civ.P. 34(b), Plaintiff will make non-privileged

Notwithstanding

the foregoing, pursuant to

documents in its loan file, produced as it is

kent in the ordinary course of business. availa ble to Defendant for insnection and CODYins: at a mutually agreeable time and place.

29. REQUEST NO. 29: Front and back copies of all payment receipts, checks, money orders, drafts, automatic debits and written evidence of payments made by others or me on this account.

RESPONSE: Pursuant to M.R Civ.P. 34(b), Plaintiff will make non-privileged
documents in its loan file, produced as Defendant
fCIl:

it is kept in the ordinary course of business, available to

insFection and GDpyi.n~at a mutually asreeahle time and nlace.

30. company.

REQUEST NO. 30:

All letters, statements and documents sent to me by your

RESPONSE:

Pursuant to M.R. Civ.P. 34(b), PIainti fI will make non-privileged

documents in its loan file produced as it is kept in the ordinary course of business, available to Defendant for inspection and copying at a mutually agreeable time and place.

31. REQUEST NO. 31: All letters, statements and documents sent to me by agents, attorneys or representatives of your company. RESPONSE: Pursuant to M.R. Civ.P. 34(b), Plaintiff will make non-privileged

documents in its loan file, produced as it is kept in the ordinary course of business, available to Defendant for inspection and copying at a mutually agreeable time and place.

32. !{EQUEST NO. 32: All letters, statements and documents sent to me by previous servicers, sub-servicers or others in yOW' account file or in your control or possession or
-\4-

in the control or possession of any affiliate, parent company, agent. sub-servicers, servicers,
attorney or other representative RESPONSE: of your company. Pursuant to M.R. Civ.P, 34(b), Plaintiff will make non-privileged

documents ill its loan file, produced as it is kept in the ordinary course of business, available to
Defendant for inspection and copying at a mutually agreeable time and place.

33. REQUEST NO. 33: All letters, statements and documents contained in this account file or imaged by you, any servicers or sub-service of this mortgage from the inception of this account to the present date.
RESPONSE:

Pursuant to M.R. Civ.P, 34(b), Plaintiff will make non-privileged
of business, available to

documents in its loan file, produced as it is kept in the ordinarycourse

Defendant for inspection and copying at a mutually agreeable time 8:E.d place.

34. REQUEST NO. 341: All electronic transfers, assignments and sales of the note/asset, mortgage, deed of trust or other security instrument.
RESPONSE: Pursuant to M.R. Civ.P. 34(b), Plaintiff will make non-privileged

documents in its loan file, produced as it is kepi in the ordinary course of business, available to

Defendant for inspection and copying at a mutually agreeable time and place.

35 REQUEST NO. 35: and reports done on my property. RESPONSE:

A I r copies of property inspection reports, appraisals, BPOs

Pursuant to M.R. Civ.P. 34(b}, Plaintiff will make non-privileged

documents in its loan file, produced as it is kept i11 the ordinary course of business, available to Defendant for inspection and copying at a mutually agreeable tine and place.

~15~

36. REQUEST NO. 36: All invokes for each charge such as inspection fees, BOSs, appraisal fees, attorney fees, insurance, taxes, assessments or any expense which has been charged to this mortgage account from the inception of this account to the present date. RESPONSE: Pursuant to M.R. Civ.P. 34(b), P Daintiff will make non-privileged

documents in its loan file, produced as it is kept in the ordinary course of business, available to Defendant for inspection and copying at a mutually agreeable time
811d

place.

37. REQUEST NO. 37: All checks used to pay invoices for each charge such as inspection fees BPOs, appraisal fees, attorney fees, insurance, taxes, assessments or any expense which has been charged to this account from the inception of this account to the present date. !lESPONSE: Pursuant to M.R. Civ.P, 34(b), Plaintiff will make non-privileged

documents in its loan file, produced as it is kept in the ordinary course of business, available to Defendant for inspection and copying at a mutualJy agreeable time and place.

38. REO-UEST NO. 38: All agreements, contracts. and understandings with vendors that have been paid for any charge on this account from the inception of this account to the present date. RESPONSE: Pursuant to M.R. Civ.P. 34(b), Plaintiff will make non-privileged

documents in its loan file, produced as it is kept in the ordinary course of business, available to Defendant for inspection and copying at a mutually agreeable time and place.

39. REQUEST NO. 39: All account servicing records, payment payoffs payoff calculations, ARM audits., interest rate adjustments, payment records, transaction histories, account histories, accounting records, ledgers, and documents that relate to tbe accounting of account from the inception of this account to the present date. RESPONSE: Pursuant to M.R. Civ.P. 34(b), Plaintiff will make non-privileged

t IS

documents in its loan file, produced as it is kept

un the

ordinary course of business, available no

Defendant for inspection and copying at a mutually agreeable time and place.

-16-

40. REQUEST NO. 40: All account servicing transaction records., ledgers, registers and similar items detailing how this account has been serviced from the inception of this account to the present date. RESPO'NSE: Pursuant to M.R. Civ.P, 34(b), Plaintiff will make non-privileged

documents in its loan file, produced as it is kept in the ordinary course of business, available to Defendant for inspection and copying at a mutually agreeable time and place.

41. REQUEST NO'. 41 = Please send me copies of all invoices and detailed billing statements from any law finn or attorney that has billed such fees that have been assessed or collected from this account from the inception to the present date. RESPO'NSE: Pursuant to M.R. Civ.P. 34(b), Plaintiff

will make non-privileged

documents in its loan file, produced as it is kept in the ordinary course of business, available to Defendant for inspection and copying at a mutua Iy agreeable time and place.

42. REQUEST NO. 42: Please forward to me copies of all property inspections made on my property in this mortgage account file. RESPONSE: Pursuant to M.R. Civ.P. 34(b), Plaintiff will make non-privileged

documents in its loan file produced as it is kept in the ordinary course of business, available to Defendant for inspection and copying at a mutually agreeable time and place.

43.

REQUEST

NO. 43= Please sen

to me copies of all BPO reports that have been

done on my property. RESPO'NSE: Pursuant to M.R. Civ.P, 34(b), Plaintiff will make non-privileged

documents in its loan file, produced as it is kept in. the ordinary course of business, available to Defendant for inspection and copying at a mutually agreeable time and place.

-17-

44. REQQESTNO.44: policies that have been ordered on date.

Please send to me copies of all forced-placed

insurance

my property from the inception of this account to the' present

RESPONSE: Pursuant to M.R. Civ.P, 34(b), Plaintiff will make non-privileged
documents in itsloan file, produced as

it is kept in the ordinary course of business, available to

Defendant: for inspection and copying at a mutually agreeable time and place.

45. REQUEST NO. 45: Please provide me with copies of all sale contracts, servicing agreements, assignments, allonges, transfers, indemnification agreements, recourse agreements and any agreement related to this account from the inception of this account to the present date.

RESPONSE: Pursuant to M.R. Civ.P. 34(b), Plaintiff will make non-privileged
documents im its loan file, produced as it is kept in the ordinary course of business, available to Defendant for inspection and copying at a mutually agreeable time and place.

46.

REQUEST NO. 46:
RESPONSE~

Please provide me with copies of the front and back

canceled check
Pursuant to M.R. Civ.P.

or the

34(b), PlaintiffwiU make non-privileged

documents

in its Joan file, produced as it is kept in the ordinary course of business, available to

Defendant for inspection anellcopying at a mutually agreeable time and place.

47.. appraisals.

REQUEST NO. 47: Please attach copies of all property inspection reports and RESPQNSE: Pursuant to M.R. Civ.P. 34(b), Plaintiff will make non-privileged

documents in its loan file, produced as it is kept in the ordinary course of business, available to Defendant for inspection and copying at a mutually agreeable time and place.

-18-

48_ !{EQUEST NO. 48: A copy of any mortgage Pooling and Servicing Agreement and all Disclosure Statements provided to any Investors with respect to any mortgage-backed security trust or other special p1.IT]Jose vehicle related to the said Agreement and any and all Amendments and Supplements thereto.

RESPONSE: Plaintiff objects to Request No. 48 on the basis that it is overbroad,
burdensome, intended to annoy, embarrass and oppress Plaintiff and is not reasonably eviden e. Notwithstanding the foregoing calculated pursuant to

to the lead to the discovery of admissible

M.R- Civ.P. 34(b), Plaintiff will make non-privileged

documents in its loan file, produced as it is

kept in the ordinary course of business, available: to Defendant for inspection and copying at a mutually agreeable time and place.

49. REQUEST NO. 49: If a copy of the Pooling and Servicing Agreement has been filed with the SEC, provide a copy of SEC Form]! 8k and the Prospectus Supplement, SEC Form 424b5.

RESP_9NSE: Plaintiff objects to-Request No. 49 on the basis that it is overbroad,
burdensome, intended to annoy, embarrass and oppress of admissible evidence.

Plaintiff and is not reasonably calculated
the foregoing, pursuant to

to the lead to the discovery

Notwithstanding documents

M.R. Civ.P. 34(b), Plaintiff will make non-privileged

in its loan file, produced as it is

kept in the ordinary course of business, available! to Defendant for inspection and copying at a mutually agreeable time and place.

50. REQUEST NO. 50: The name, address and phone number of any Trustee under aoy pooLing or servicing agreement related to this loan; a copy of the Prospectus offered to investors in the trust.

RESPONSE: Plaintiff objects to Request No. 50 on the basis that it is overbroad, -l9-

burdensome,

intended to annoy, embarrass and oPJYressPlaintiff and is not reasonably evidence. Notwithstanding

calculated

110 the lead to the discovery of admissible

the foregoing, pursuant to

M.R. Civ.P. 34(b), Plaintiff will make non-privileged

documents in its loan file produced as it is

kept i.n the ordinary course of business, available to Defendant for inspection and copying at a m itually agreeable time and place.

51. contingency account.

.REQUEST NO.5): Copies of all servicing, master servicing, sub-servicing, servicing, special servicing, or back-up servicing agreements with respect to this

RESPONSE: Plaintiff objects to Request No. 51 on the basis that it is overbroad
burdensome, intended to annoy, embarrass and oppress Plaintiff and is not reasonably evidence. Notwithstanding the foregoing calculated pursuant to

to the lead to the discovery of admissible

M.R. Ci v. P. 3 4(b), Plaintiff willI make non-privileged

documents in its loan fi1e, produced as it is

kept in the ordinary course of business, available to Defendant for inspection and copying at a mutually agreeable time and place.

52. REQUEST NO. 52: All wri ten loss-mitigation related to any defaults regarding this loan and similar loans.

rules and work-out procedures

RESPONSE: Plaintiff objects to Request No. 52 on the basis that it is overbroad,
burdensome, intended to annoy, embarrass and oppress Plaintiff and is not reasonably calculated

to the lead to the discovery of admissible evidence. for the production of trade secret or other confidential,

In addition, Request No. 52 appears to call
research, development or commercial

information.
non-privileged

Notwithstanding

the foregoing, pursuant to M.R. Civ.P. 34(b) Plaintiff will make

documents in its loan file, produced as it is kept in the ordinary course of business. for inspection and copying at a mutually agreeable time and place. -20-

available to Defendant

53. REQUEST NO. 53: s ib-servicing of this loan.

The procedural manual used with respect to the servicing or

RESPONSE: Plaintiff objects to Request No. 53 on the basis that it is overbroad,
burdensome, intended to annoy, embarrass and oppress Plaintiff and is not reasonably calculated In addition, Request No. 53 appears to call or commercial

to the lead to the discovery of admissible evidence.

101" the production of trade secret or other confidential, research, development
information. non-privileged Notwithstanding

the foregoing, pursuant to M.R. Civ.P, 34(b), Plaintiff will make

documents in its loan file, produced as

it is kept in the ordinary course of business,

available to Defendant

for inspection and copying at a mutually agreeable time and place.

54.

,REQUEST NO. 54: Attach a copy ofthe mortgage electronic registration system RESPONSE: Plaintiff objects to Request No. 54 on the basis that it is overbroad,

procedures manual.

burdensome,

in.tended to annoy, embarrass and oppress Plaintiff and is not reasonably calculated evidence. In addition, Request No. 52 appears to call research, development or commercial

to the lead to the discovery of admissible for the production information. non-privileged

of trade secret or other confidential,

Notwithstanding documents

the foregoing, pursuant to M.R. Civ.P, 34(b), Plaintiff will make

in its loan file, produced as it is kept in the ordinary course of business,

available to Defendant

for inspection and copying at a mutually agreeable time and place.

55. REQUEST NO. 55: A copy of the LSAMS Transaction mortgage loan account, with a detailed description of all fee codes.

History Report for the

RESPONSE: Plaintiff objects to Request No. 55 on the basis that it is vague, -21-

overbroad,

burdensome,

intended Doannoy, embarrass and oppress Plainritf and is not reasonably In addition Request No. 55

calculated to the lead to the discovery of admissible evidence. appears to call for the production commercial information.

of trade secret or other confidential,

research, developmenrt or

Notwithstanding

the foregoing, pursuant to M.R. Civ.P. 34(b), Plaintiff

will make non-privileged

documents in its loan tile, produced as it is kept in the ordinary course

of business, available to Defendant for inspection and copying at a mutually agreeable time and place.

56. REQUEST NO. 56: State the full name and add.ress of the Lender and attach a copy of the Warehouse Loan Agreement.

RESPONSE: Plaintiff objects to Request No. 56 on the basis that it is overbroad
burdensome, intended to annoy, embarrass and oppress Plaintiff and is not reasonabl y calculated to the lead to the discovery of admissible evidence. In addition, Request No. 56 appears to call for the production of trade secret or other confidential, research, development or commercial information. Notwithstanding the foregoing, pursuant to M.R. Civ.P. 34(b), Plaintiffwill make non-privileged documents in its loan file, produced as it is kept in the ordinary course of business available to Defendant for inspection and copying at a mutually agreeable time and place.

Dated at Portland, Maine thiS')~

day of May 201

I

David . McConne~ A to ey for Plainti Perkins Thompson, P.A. One Canal Plaza P.O. Box 426 Portland, ME 04112

/

/

! ~ ,,--(a
r•

i;j

j

Bar #8133

-22-

STATE OF MAINE PENOBSCOT, SS.

SUPERlOR COURT CIVIL ACTION DOCKET NO. RE-IO-lS7 First Massachusetts ) ) ) ) )
) )

TD BANK, N.A.,f/k/a Bank, N.A.,

Plaintiff,
v,

PLAINTIFF'S ANSWERS TO INTERROGATORIES PROPOUNDED BY DEFNDANT

1IWILA A. WOLF, Defendant, and

) ) )
)

)
)

Title to Real Estate Involved

MAINE STATE HOUSING AIJTHORJTY,) ClTY OF BANGOR, and LVNV ) flUNDING, LLC, )
)

Parties-In-Interest.

) answers

Pursuant to M.R. Civ.P. 33-,Plaintiff TD Bank, N.A. ("Plaintiff) Defendant's Interrogatories' dated April 25, 2001 as follows: GENERAL Plaintiff objects to the Interrogatories the attorney-client OBJECTION

to the extent that they seek information

protected by All

privilege or the work product doctrine or any other applicable privilege.

responses herein shall be subject to this objection, and no response herein shall act as a waiver of . this objection. Plaintiff objects the Interrogatories to the extent that they purport to impose obligations broader

TO

than those imposed by the Maine Rules of Civil Procedure.

I. Defendant's written questions were delivered to counsel for Plaintiff in letter form and did not comply with M.R. Civ.P, 33 ill a number of respects. However, in light of Defendant 's pro s(;! status, Plaintiff is treating Defendant's €orrespolldence as a set of Interrogatories and a Request for Production of Documents.

Plaintiff does not concede, and reserves all obje tions with respect to, the relevance, materiality, or admissibility of the information contained in the answers to [he Interrogatories.

1. INTERROGATORY NO.1: Please identify for me each account accounting and servicing system used by you and any sub-servicers or previous servicers and/or sub-servicers from the inception of this account to the present date so that experts can decipher the data provided.
ANSW'ER: Plaintiff objects to Interrogatory No. 1 on the basis that it is vague or commercial

and seems to call for trade secret or other confidential

research, development

informacion.
non-privileged

N otwithstanding

the foregoing, pursuant to M.R. Civ.P, 33( c), Plaintiff will provide for

business records, consisting of the loan file in question, to Defendant

inspection and copying at a mutually agreeable time and place.

For each account accounting and servicing system identified by you and any sub-servicers or previous servicers and sub-servicers from the inception of this account to the present date, please provide the name and address of the company that designed and sold the system. ANSW'ER: and se
IDS

2.

INTERROGATORY

NO.2:

Plaintiff objects to Interrogatory

No.2 on the basis that it is vague or commercial

to call for trade secret or other confidential Notwithstanding

research, development

information. non-privileged

the foregoing, pursuant to M.R. Civ.P. 33(e) Plaintiff will provide for

business records, consisting of the loan file in question, to Defendant

inspection and copying at a mutually agreeable time and place.

3. INTERROGATORY NO.3: For each account [sic] accounting and servicing system used by you and any sub-servicers or previous servicers and/or sub-servicers l1-01n the inception of this account to the present date, please provide the complete transaction code Listfor each system so that I, and others can adequately audit this account. ANSWER: Plaintiff objects to Interrogatory No.3 on the basis that it is vague or commercial

and seems to call for trade secret or other confidential research, development information. non-privileged Notwithstanding

the foregoing, pursuant to M.R. Civ.P. 33(c), Plaintiff will provide

business records, consisting of the loan file in question, to Defendant tor
-2-

inspection and copying at a

mutually agreeable time and place.

4. INTERROGATORY NO.4: In a spreadsheet form or in letter form in a columnar format, please detail for me each and every credit on this account from the date such credit was posted to this account as well as the date any credit was received.
ANSWER: Pursuant to M.R. Civ.P. 33(c), Plaintiff will provide non-privileged and copying

business records, consisting of the loan file in question, to Defendant for inspection

at a mutually agreeable time and place. 5. INTERROGATORY NO.5: In a spreadsheet form or in letter Iorm in columnar format, please detail for me each and every debit on this account from the date such debit was posted to this account as well as the date any debit was received.
ANSWER: Pursuant to M.R. Civ.P. 33(c) Plaintiff will provide non-privileged for inspection and copying

business records, consisting of the loan file in question, to Defendant at a mutually agreeable time and place.

6. INTERROGATORY NO.6: For each debit and credit listed please provide me with the definition for each corresponding transaction code you utilize. ANSWER: Plaintiff objects to Interrogatory No.6 on the basis that it is vague or commercial

and seems to call for trade secret or other confidential information. non-privileged Notwithstanding

research, development

the foregoing, pursuant to M.R. Civ.P. 33(c), Plaintiff will provide

business records, consisting of the Joan file in question, to Defendant for

inspection and copying at a mutually agreeable rime and place.

7. INTERROGATORY NO.7: For each transaction master transaction code list used by you or previous. servicers, ANSWER: Plaintiff objects to Interrogatory

code, please provide the

No.7 on the basis that it is vague or commercial

and seems to call for trade secret or other confidential information, Notwithstanding

research, development

the foregoing, pursuant to M.R.. Civ.P, 33(c), Plaintiff will provide -3-

non-privileged jnspectien

business records, consisting of the loan file i11 question, to Defendant for

and copying at a mutually agreeable time and place.

Has each sale, transfer or assignment of this mortgage, monetary instrument, deed of trust or any other instrument I executed to secure this debt been recorded in the county property records in the county and state in which my property is [Cleated from the inception of this account to the present date? Yes or No?

8.

INTERROGATORY

NO.8:

ANSWER:

The mortgage has not been transferred.

9.

INTERROGATORY t\NSWER:

NO. 9:

If not, why? No. 8.,

See response to Interrogatory

10. INTERROGATORY NO. to: Is yOW"company the servicer of this mortgage account or the holder in due course and beneficia] owner of this mortgage, monetary instrument and/or deed of trust?

ANSWER:

'{es.

11. INTERROGATORY NO. 11; Have any sales, transfers or assignments of this mortgage, monetary instrument, deed of trust or any other instrument I executed to secure this debt been recorded in any electronic fashion such as :MERS or other internal or external recording system from the inception of this account to the present date? Yes or No?

ANSWER:

The mortgage has not been transferred,

12. INTERROGATORY NO. 12: lf yes, please detail for me the names of the seller, purchaser, assignor, assignee or any holder in due course to any right or obligation of any note, mortgage deed of trust or security instrument I executed securing the obligation on this account that was not recorded in the county records where my property is located whether they be mortgage servicing rights or the beneficial interest in the principal and interest payments.

ANSWER:

See response to Interrogatory

No. 11.

13. INTERROGATORY NO. 13: Have attorney fees ever been assessed to this account from the inception of the account to the present date? Yes or No?

ANSWER:

Yes.

14.

INTERROGATORY

NO. 14: If yes, please detail each separate assessment,
-4-

charge and collection of attorney fees to this account from the inception of this account to the present date and the date of such assessment to this account. ANSWER: Pursuant to M.R. Civ.P. 33(c) Plaintiff will provide non-privileged

busiaess records, consisting of the Iloan file in question, to Defendant for inspection and copying at a mutually agreeable time and place.

15. INTERROGATORY NO. 15: Have attorney fees ever been charged to this account from the Inception of this account to the present date? Yes or No? ANSWER: Yes.

]6. INTERROGATORY NO. 16: If yes, please detail each separate charge of attorney fees to this account from the inception of this account [0 the present date and the date of such assessments to this account.
ANSWER:: Pursuant to M.R. Civ.P. 33(c). Plaintiff will provide non-privileged

business records, consisting of the loan file in question, to Defendant for inspection and copying at a mutually agreeable time and place,

17. INTERROGATORY NO. 17: Have attorney fees ever been collected from this account from the Inception of this account to the present date? Yes or No? ANSWER:

No.

18. INTERROGATORY NO. 18: If yes, please detail each separate collection of attorney fees to this account from tbe inception of this account to the present date and the date of such assessments to this account ANSWER.: See response to Interrogatory No. 17.

19. INTERROGATORY NO. 19: Please provide me with the name and address of each attorney or law firm that has. been paid any fees or expenses related to this account from the inception of this account to the present date. ANSWER:: Perkins Thompson, P.A., P.O. Box 426, Portland, ME 04112.

20. INTERROGATORY NO. 20: Please identify for me in writing the provision, paragraph, section or sentence of any note, mortgage, deed of trust or any agreement I signed that -5-

authorized the assessment t\NSWER:

charge or collection of attorney fees.
Pursuant to M.R. Civ.P. 33(c), Plaintiff will provid non-privileged and copying

b siness records, consisting of the loan file in question, to Defendant for inspection at a mutually agreeable time and place.

21. INTERROGATORY NO. 21: Please detail and list for me in writing each separate attorney fee assessed from this account and for which each corresponding payment period or month such fee was assessed from the inception of this account to the present date. ANSWER: Pursuant to M.R Civ.P. 33(c), Plaintiff will provide non-privileged

business records, consisting of the loan file in question, to Defendant for inspection and copying at a mutually agreeabJe time and place.

22. INTERROGATORY NO. 22: Please detail and list for me in writing each separate attorney fee collected from this account and for which each corresponding payment period or month such fee was collected from the inception of this account to the present date. ANSWER: Please see response to Interrogatory No. 17.

23. L~TERROGATORY NO. 23: Please detail and list for me in writing any adjustments III attorney fees assessed and on what date such adjustment was made and the reason for such adjustment. ANSWER: Plaintiff objects to Interrogatory No. 23 on the basis of vagueness.

24. INTERROGATORY NO. 24: Please detail and list for me in writing any adjustments in attorney fees collected and on what date such adjustment was made and the reason for such adjustrnent. ANSWER: Plaintiff objects to Interrogatory No. 23 on the basis of vagueness.

25.

L~TERROGATORY
ANSWER: No.

NO.25:

assessed or charged to this account?

Has interest been charged Yes or No?

011

any attorney fees

26. INTERROGATORY NO. 26: Is interest allowed to be assessed or charged on arterney fees charged or assessed to this account? Yes or No? -6-

ANS~'ER~

Pursuant to M.R. CIv.P, 3J(c)

Plaintiff will previde non-privileged

business records, consisting of the loan file in question, to Defendant for inspection and copying at a mutually agreeable time and place.

27. INTERROGATORY NO. 27: How much total in attorney fees have been assessed to this account from the inception to the present date?

ANSWER:

Pursuant to M.R. Civ.P, 33(c), Plaintiff will provide non-privileged

business records, consisting of the loan tile in question, to Defendant for inspection and copying at a mutually agreeable time and place.

28. .INTERROGATORY NO. 28: How much total in attorney fees have been collected from this account from the inception to the present diate?

ANSWER:

Please see response to Interrogatory

No. 17.

29. INTERROGATORY NO. 29: How much total in attorney fees have been charged to this account from the inception to the present date?

A..l\fSWER:

Pursuant to M.R. Civ.P, 33(c), Plaintiff will provide nonprivileged and copying

business records, consisting of the loan file in question, to Defendant for inspection
at 81 mutually

agreeable time and place.

30? INTERROGATORY NO. 30: Has there been any suspense or unapplied account transactions on this account from the inception of this. account until the present date? Yes orNo?

ANSWER:

Plaintiff objects to Interrogatory

No. 30 on the basis of vagueness,

Defendant posed a number of additional questions in her letter to Plaintiff. However because parties may on ly serve a total of 30 mterrogatories pursuant to M.R. Civ.P. 33(a), Defendant has only responded to the first 30 interrogatories propounded by Plainti f[
2

-7-

Dated at Portland, Maine this __

day of May, 2011.

Name: Tonya Daigneault Title:

STATE OF MAINE CUMBERLAND, SS.

May_,

2011

Personally appeared before me the above-named Tanya Daigneault and has swam on oath that th fact contained herein are true and correct to the best of her knowledge and belief. . . Before me,

Notary Pub licl Attorney -at-Law

, Da'1£lB.

V

McConl1eir

\

·8·

STATE OF MAINE PENOBSCOT, SS.

SUPERIOR COURT CIVIL ACTION DOCKET NO. RE-IO-187 ) )

TD BANK, N.A., flkla First Massachusetts Bank, N.A., Plaintiff, v. TWILA A. WOLF, Defendant, Md MAINE STATE HOUSING AUTHORITY, CITY OF BANGOR, and L VNV FUNDING, LLC, Parties-In -Interest.

)
) ) ) ) ) ) )
)

PARTY-IN-INTEREST MAINE STATE HOUSING AUTHORITY'S ANSWERS TO INTERROGATORIES PROPOUNDED BY DEFNDANT

) ) ) ) ) ) )

Title to Real Estate Involved

Pursuant to M.R. Civ.P. 33, Party-in-Interest (' MSHA") answers Defendant's Interrogatories' GENERAL

Maine State Housing Authority

dated April 25, 2001 as follows: OBJECTION protected by the All

MSHA objects to the Interrogatories
attorney-client privilege

to the extent that they seek information

or the work product doctrine or any other applicable privilege.

responses herein shall be subject to this objection, and no response herein shall act as a waiver of this objection, MSHA objects to the Interrogatories to the extent that they purport to impose obligations

broader than those imposed by the Maine Rules of Civil Procedure.

Defendant's written questions were delivered to counsel for MSHA in letter fonn and did not comply with MR. Ci'll.P. 33 in a number of respects. However, in light of Defendant's pro se status, MSHA is treating Defendant'S cerrespondence as a set of ]nterrogatories and a Request fOT Production of Documents.
I

MSHA does not concede, and reserves all objections with respect to, the relevance, materiality, admissibility of the information contained in the answers to the Interrogatories.

or

I. INTERROGATORY NO.1: Please identify- for me each account accounting and servicing system used by you and any sub-servicers or previous servicers andlor sub-servicers from the inception of this account to the present date so that experts can decipher the data provided.

ANSWER:

MSHA objects to Interrogatory No. I on the basis that it is vague and or commercial

seems to call for trade secret or other confidential research, development information. non-privileged Notwithstanding

the foregoing, pursuant to M.R. Civ.P. 33(c), MSHA will provide for inspection

business records, consisting of the loan file in question, to Defendant

and copying at a mutually agreeable time and place.

for each account accounting and servicing system identified by you and any sub-servicers or previous servicers and sub-servicers froru the inception of this account to the present date, please provide the name and address of the company that dJesigned and sold the system.

2.

INTERROGATORY

NO.2:

ANSWER:

rv1SHAobjects to Interrogatory No.2 on the basis that it is vague and or commercial

seems to call for trade secret or other confidentias research, development information. non-privileged Notwithstanding the foregoing

pursuant to M.R. Civ.P, 33(c), MSHA will provide

business records, consisting of the loan file

in question, to Defendant for inspection

and copying at a mutually agreeable time and place.

3. INTERROGATORY NO.3: For each account [sic] accounting and servicing system used by you and any sub-servicers or previous servicers and/or sub-servicers from the inception of this account to the present date, please provide the complete transaction code list for each system so that I, and others can adequately audit this account, ANSWER:
MSHA objects to Interrogatory No.3 on the basis that it is vague and or commercial

seems to call for trade s cret or other confidential information. non-privileged Notwithstanding

research, development

the foregoing, pursuant to M.R. Civ.P. 33(c), MSHA will provide

business records, consisting of the loan file in question, to Defendant for inspection
-2.~

and copying at a mutually agreeable time and place',

INTERROGATORY NO.4: In a spreadsheet form or in letter form in a columnar format, please detail for me each and every credit on this account from the date such credit was posted to this account as well as the date any credit was received. ANSWER: Pursuant to M.R. Civ.P, 33(c), MSHA will provide non-privileged

4,

b-usiness records, consisting of the loan file in question, to Defendant for inspection and copying at

a mutually agreeable time and place.
5. INTERROGATORY NO.5: In a spreadsheet form or in letter forrn in columnar format, please detail for me each and every debit on tills account from the date such debit was posted to this account as well as the date any debit was received. ANSWER: Pursuant to M.R. Civ.P. 33(c), MSHA will provide non-privileged

business records, consisting of the loan file in qu.estion to Defendant for inspection and copying at

a mutually agreeable time and place.

6.

INTERROGA TORY NO.6: ANSWER:
MSHA object

with the definition for each corresponding

For each debit and credit listed, please provide me transaction code you utilize. to Interrogatory No.6 on the basis that it is vague and or commercial

seems to call for trade secret or other confidential information. non-privileged Notwithstanding

research, development

the foregoing, pursuant to M.R. Civ.P. 33(c), MSHA will provide

business records, consisting of the loan file in question, to Defendant 'for inspection

and copying at -a mutually agreeable time and place.

7.

INTERROGATORY iL~SWER:

master transaction

NO. 'Z: For each transaction code list used by you or previous servicers.
MSHA objects to Interrogatory

code, please provide the

No.7 on the basis that it is vague and or commercial

seems to call DormatiOl1.

1'0] trade

secret or other confidential

research, development

Notwithstanding

the foregoing, pursuant to M.R. Civ.P. 33(c) MSHA will provide
-3-

non-privileged

business records, consisting of tAl' loan file in question, to Defendant for inspection

and copying at a mutually agreeable time and place.

Has each sale, transfer or assignment of this mortgage, monetary instrument, deed of trust or any other instrument I executed to secure this' debt been recorded in the county property records in the county and state in which my property is located from the inception of this account to the present date? Yes or No?

8.

INTERROGATORY

NO.8:

ANSWER: 9.

The mortgage has not been transferred.

INTERROGATORY ANSWER:

NO.9:

Ilf not, why?

See response to Interrogatory No.8.

10. INTERROGATORY NO. 10: Is your company the servicer of this mortgage account or the holder in time course and beneficial owner of this mortgage monetary instrument and/or deed of trust?

ANSWER:

Yes.

Have any sales, transfers or assignments of this mortgage, monetary instrument, deed of trust or any other instrument I executed to secure this debt been recorded in any electronic fashion such as MERS or other internal or external recording system from the inception of this account to the present date? Yes or No?

11.

INTERROGATORY

NO. 11:

ANSWER:

The mortgage has not been transferred.

12. INTERROGATORY NO. 12: If yes, please detail for me the names of the seller, purchaser, assignor, assignee or any holder in due course to any right or obligation of any note, mortgage, deed of trust or security instrument I executed securing the obligation on this account that was not recorded in the county records where my property is located whether they be mortgage servicing rights or the beneficial interest in the principal and interest payments.

ANS'WER:

See response to Interrogatory

No .._ll.

13. L'\,{iERROGATORY NO. 13: Have attorney fees ever been assessed to this account from the inception of the account to the present date? Yes or 07

ANSWER:

Yes.

14.

INTERROGATORY

NO. 14:

If yes, please detail each separate assessment,
-4-

charge and collection of attorney fees to this account from the inception of this account present date and the date of such assessment to this account. ANSWER:

to

the

Pursuant to M.R. Civ.P. 33(c), MSHA will provide non-privileged

business records, consisting of the loan file in question, to Defendant for inspection and copying at

a mutually agreeable time and place.

15. INTERROGATORY NO ..15: Have attorney fees ever been charged to this aceount from the Inception of this account to the present date ? Yes or No? ANSWER: Yes.

16. INTERROGATORY NO. 16: If yes, please detail each separate charge of attorney fees to this account from the inception of this account to the present date and the date of such assessments to this account, ANSWER:

Pursuant to M.R. Civ.P. 33(c), MSl-IA will provide non-privileged

business records, consisting of the loan file in question, to Defendant for inspection and copying at a mutually agreeable time and place.

17. lNTERROGA TORY NO. 17: Have attorney tees ever been collected from this account from the Inception of this account to the present date? Yes or No?
t\NSWER: No.

18. INTERROGATORY NO. 18: Jfyes, please detail each separate collection of attorney fees to this account from the inception of this account to the present date and the date of such assessments to this account

ANSWER:

See response to Interrogatory

No . .17.

19.

LVfERROGATORY

NO. 19:

Please provide me with the name and address of

eflch attorney or law firm that has been paid any fees or expenses related to this account from the
inception of this account to the present date.

ANSWER:

Perkins Thompson

P.A., P.O. Box 426, Portland, ME 04112.

20.

INTERROGATORY

NO. 20:
(.

Please identify for me in writing the provision,
IIUS

paragraph,

section or sentence of ally note, mortgage, deed of
-_t-

or any agreement I signed that

authorized the assessment, ANSWER:.

charge or collection of attorney fees. Pursuant to M.R. Civ.P. 33(c), MSHA \\;11 provide non-privileged

business records, consisting of the loan file in que tion, to Defendant for inspection and copying at a mutually agreeable time and place.

21. INTERROGATORY NO. 21: Please detail and list for me in writing each separate attorney fee assessed from this account and for which each corresponding payment period or month such fee was assessed from the inception of this account to the present date. ~NSWER: Pursuant to M.R Civ.P. 33(c), MSHA will provide non-privileged

business records, consisting of the loan file in questi on, to Defendant for inspecti on and copy ing at a mutually agreeable time and place.

22. INTERROGATORY NO. 22: Please detail and list for me in writing each separate attorney fee collected from this account and for which each corresponding payment period or month such fee was collected from the inception of this account to the present date. ANSWER: Please see response to Interrogatory No. 17.

23. INTERROGATORY NO. 23: Please detail and list for me in writing any adjustments in attorney fees assessed and on what date such adjustment was made and the reason for such adjustment. ANSWER: MSHA objects to Interrogatory No. 23 on the basis of vagueness.

24. INTERROGATORY NO. 24: Please detail and list for me in writing any adjustments in attorney fees co llected and on what date such adjustment was made and the reason for such adjustment. ANS'WER: MSHA objects to Interrogatory N\). 23 on the basis of vagueness.

25. INTERROGATORY assessed or charged to this account? A.T\1SWER:

NO. 25: Has interest been charged on any at .. rney fees o Yes or No?

No.

26. INTERROGATORY NO. 26~ Is interest allowed to be assessed or charged on attorney fees; charged or assessed to this account? Yes or No?
-6-

ANSWER:

Pursuant to M.R. eiv.p. 33(c), MSHIA will provide non-privileged

business records, consisting of the loan tile in question, to Defendant for inspection and copyiag at

a mutually agreeable time and place.

27. INTERROGATORY NO. 27: How much total in attorney fees have been assessed to this account from the inception to the present date?

ANS\\t'ER:

Pursuant to M.R. Civ.P, 33(c), MSHA will provide non-privileged for inspection and copying at

business records, consisting of the loan file in question, to Defendant a mutually agreeable time and place.

28. .INTElrnOGATORY NO. 28: How much total in attorney fees have been collected from tills account from the inception to the present date?

Al'fSWER:

P lease see response to Interro gatory No. 17.

INTERROGATORY NO. 29: How much total in attorney fees have been charged to this 3CCOunt from the inception to the present date?
29.

ANSWER:

Pursuant to M.R. Civ.P, 33(c), MSHA will provide non-privileged

business records, consisting of the loan file in question, to Defendant for inspection and copying at a mutually agreeable time and place.

30?
transactions

lI'iTERROGATORY NO. 30: Has there been any suspense or unapplied account on this account from the inception of this account until the present date? Yes or No'!

ANSW_ER:

M~HA objects to Interrogatory No. 3Qon the basis of vagueness.

~ Defendant posed ~Inurnbcr 0 f add itiona], questions in her letter' to Plaintiff. However, because parties may on ly serve a total oDO interrogatories pursuant to M_R.Civ.P, 33(<.1), Defendant has only responded to the first :;0 interrogatories propounded by Plaintiff.

-7~

Dated at. Portland, Marne this~. ~_

clay of May, 20 I 1..

Name: John Stewart Title: Loss Mitigation Team Leader

STATE OF MAINE CUMBERLAND. SS.

May_,2011

Personally appeared before me the above-named John Stewart, Loss Mitigation Team Leader, Camden National Corporation, as Power-of-Attorney for Party-in-Interest Maine State Housing Authority and has sworn on oath that the facts contained herein are true and correct to the best of his knowledge and belief,

Before me,

Notary Public/Attomey-at-Law

-8-

E-l

~;€lIlfS DIIIG!N.-roR PURCHASE DATE:

, 001 ,001

THRU l'iO THIIU 200 • OJ/15/01

MAIHE

STATE HOOSIIlG AUTHOR! rr PURCHASE REPORT

03/15/01

SERV1CEII

BY SERIES

PAGE

/I

LOAN

.~ORTGAGOII

NAME

IIBII SERV liEF ~aR

LOAN
rYPE TERN

PURCHASE
DATE

[NT PTO MATUR[TY
fIRST p",r DATE

[NT RATe
lEVEL PIllT

PRIN PUlleNSoRV
LOAH AIllT

FEE

SERV POOL POOL (ERT HBII
~BR MI INS REF NUMBER

RATE

0211'14)'01/01/31
()2/01/01

4.5000
13'>.89

Shows here that these, supposed, loans were sold into the bond market. Which, in of its self, begs questions of securities fraud. But without assignments, indorsements and other proofs of true sale and trust dates and trust creation and an explanation or two, satisfactory to Defendants and the court, would be nice, as to the deception and lack of transparency of Plaintiff and Counsels' actions for their abuse of the trust of the court and Defendants That; after two years, and arguments about why Plaintiffs don't have to produce the alleged note in question. One would be correct in, inferring, a high likelihood of Plaintiffs never producing said document.

E-2

Homeowners

Get Screwed, LaW)!er5 Get Played, Banks Make Profit;; Where'5the

Outrage?

Thursday; 01/20/2011 - 10:04 am by Thomas A. Cox I

foreclosure industry is playing the system homeowners suffer.
Two recent repor-ts, read together, should spark outrage inthe country at large and ar.mmgour pofi.tical I'eadership. But no one' seems to care anymore. JPMorgan Chase, the country's third largest mortgage lender, confessed that it has overcharged over 4,000 active duty troops on their mortgages and im~rolPerly foreclosed upon 14 military families. only three days before that" reports<::ame 0Ut that JPMorgall had just experienced a,47% jump iin profits for the previous quarter aAd:20'lO'promts reached' a record level of $17.4 billion'. The st()~ of the violations of the SE'rvicemembers Ovil Relief Actwas forced into the open by a,Matime fightep IJIllot.He kept all of liIis payments; current, but due solely to the fault 0fJPMorgani (i:mas€;iis l mortgage was placed into default status. His wife reports collectlon calls (sometim es t,n ree a cl'ay) coming on Saturdays, Sundays, helidavs and even at 3:00 in the morning. It took ov.er tllVo,yea~s.amdl~R1e· miring of a lawyer to get JPMorgan to back off and finally admit that he had fl!Jllypaid his rnontgage obligations on time. Certainly no member of the military should have to endure this kind! of treatment: But, beyond this, no American homeowner should have to endure those kinds of collectlon.taatles.frorn America's second largest bank. Where is the outrage over these kinds of heavy-handed and abusive tactics? lihe Foreclosure Game The situation described above fits wlthim a pattern of abuse of American borneewners by,JP!l:r1orrgan Chase and the other major loan servicers that I have experienced in my work as a lawyerr rearesenting homeowners in foreclosure. They treat the foreclosure process like a game, seeking to win,ati any cost without regard to the harm infl.icted UpOr.1omeowners. Strategic decisions are made, odds,of SI1)('![I~rc h outcomes are calculated and bets based upon those odds are placed'. Ways to skirt the rules are stl:ldiedl and lgnonedwhen referees Uudges) are not watching, weak opponents are t~ampl'ecl~ eHlealilsmots are ta*enl at opposing parties, and major efforts are made to wear out ~lt1e opposition as the game lIV,imd's.om. Since the foreclcsure industry's, pockets are deep, it is more than w.iI.lingto outsper;ld,the cppositicrn to, gain
(1]11

upper hand when it wilDhelp wi" the game. wli10have the experience and krtow!edge required to represent homeewners il"lIflil~ed!ils.t<l~e
Ol~

taWYEi!_fS

cases are in,very-short supplv, The work does not pay well, if at all, it is.v.ery mme'cQosl!JmfrTg', ttlit~ and! re'olellotknowledge necessary to do the work well is very high. 1have been fQ(i:!'Jsing;0rilltl'lis orR w a jiull~thilllebasis for almost three years now. Till be competent, I have \i0 be famili'3~'w'[th tihe'Truth in

!l!.e.mdlngAd:("TILA") and its related Regulation Z, the [JiGmeawnerEquilyiPl'OliettimnAd("HOEPA"), the Real Es'tate5etitlementProned:uresAct ("RESPA"I,the Maine Consumer Credit Code, the Maine Unfair Trade Practices Act, the United States Bankruptcy Code, the Maine Civil Action Foreclosure Statute, the Maine and Federal Rules of Civil Procedure, the constantly changing HAMP loan modification guidelines, and the separate and distinct guidelines. of Fannie, Freddie, FHA,VA, and Rural Development, each of which has its own variations on HAMP. In addition, I have to keep current on developing foreclosure case law all over the country on a daily basis. The number of us willing and able do this work is extremely limited when measured against the needs of homeowners for legal assistance - I hear that fewer than 5% of homeowners looking for legal help are able to obtain it. Perhaps the largest frustration for me in this work is to experience on a daily basis the games that the servicers play in the foreclosure process. I am constantly frustrated by how much of my time is spent in dealing with the servicers' antics, thus reducing the number of homeowners that I and my colleagues are able to help. What will follow is if two-part explanation of the game playing that we experience in our dealings with the mortgage' loan servicers and their lawyers.

Foreclosure industry lawyers use every trick in the bag to block the

reve1ation of important documents.here
Logicsuggests that in foreclosure, the homeowner should be able to know who owns his loan. In the rare circumstance where the homeowner wants to payoff the loan rather than lose his or her house, he needs to know who is entitled to receive that payment so that the wrong party is not paid and so that he is protected against any other party ever claiming a right to payment. Where a homeowner cannot actually payoff his loan, he still has it real interest in knowing who claims ownership of it because onlv that warty can respond to requests to work out a rational loan modification. Logic does not control the foreclosure industry's practices. Variation Number 1: MERShides the ball In the first variation ofthis tactic, homeowners must face a massive concealment scheme set up in 1995

by the foreclosure industry in the form of ,!MortgageEleCtr:onk Reglstra1iionSyslems. Inc. I"MERS"1
Befone MERScame along, every mortgage was recorded in a registry of deeds for the county where a mortgaged heme is located. When that mortgage was assigned, it was recorded in the registry. Thus, if a homeowner ever had any doubt as ttl who owned his mortgage, he had only to check his nearby registry to find that information. MERSunilaterally changed the rules of the game (with no permission sought from state legislatures). Under the new regime, while an original mortgage is still filed in the local registry of deeds, subsequent assignments of that mortgage are not recorded there. Instead, il'llformation about them is simply entered into the MERSelectronic recording system. Any homeowner camcheck the records of his local registry of deeds, but no homeowner is permitted to accessMERS. Thus, it took away a sure way to identify the owners of mortgage loans.

After an outcry, against MERSover its concealment of the identity of mortgage owners in its.inaccessible system, it clairas to have met those complaints by setting up a web site where homeowners can look up this information. The problem is, the website will not reveal the name of the owner of any mortgage unless the owne! voluntarily allows MERSto disclose that information. My experience with look-ups on the website is that it repeatedly reports that the owner of the mortgage has not voluntarily agreed to disclose its identity. EVenwhen a mortgage owner does all'ow its identity to be disclosed, there is a high likelihood that the information will be inaccurate. I am working on a case right now involving a Deutsche Bank trust created in 10ID6.Deutsche Bank claims that it has owned my client's loan since 2006, but until July of 2009 the loan originator, not Deutsche Bank, was shown on the MERSsystem as the owner. Use of the MERSwebsite to look up mortgage ownership information is basically a waste of time for homeowners anclltheir Ilawyers. I am working on another case right now where there were major errors at the inception of the loan that give our client the right to rescind it under the Truth in tending Act We know that the lender is out of business and that some other entity owns the loan, but we do mot know who that is. The MERSwebsite does not disclose the identity of the owner of this loan. Under:TILA,the reseission letter must be sent to the owner, so.we have to file a request with the servlcer for that information. Experience tells us that the servicer mayor may not respond and that if it does, the response mayor may not be accurate. In any event, a lot of lawyer time will be wasted in seeking out information as to the identity of the owner of the loan, information that should be (and in pre-MERS davswas) immediately available.

Homeowners

and their lawyers waste resources while the banks and

their lawyers bide their time.
As we pursue pre-trial discovery efforts, the servicers' lawyers' hide the balltacticscome into.full play. In addition to throwtng up unjustifiable objections, they stonewall for months on end in producing documents to which homeowners are undeniably entitled. We recently won a $2,500 sanction award against JPMorgan Chaseafter the bank stalled for almost a year in producing documents that it was obligated to produce within 3D' da.ysof our request. While the lawyers for servicers are usually graded and paid for how fast they can rush a foreclosure case through the legal system, the rules change in that very small percentage of caseswhere lawyers show up to represent homeowners. At that point, the servicer is likely to remove the case from the grading system. The servicer's lawyer is also likely to start billing the servicer at an hourlv rate. When a case fina~lygets to a trial list, there are repeated requests from the servlcer's lawyer for continuances and delavs so that the servicer can put off sending a witness to testify at trial.
Cut and Run

When we confront a servicer with clear proof that it cannot prove its right to a foreclosure, it will seldom pull back and take action to correct the problem. In one recent case where HSBCBank was the

LI
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BANKNQRTri MORTGA(3£GRQUP 32 CHESTNUT STREET LEWISTON. ME 04Z40

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TI\I:Il~mki(ll.l.
:l,IIftllIJo'laitflpon;;iU'lt,..

;p""I"£'tf8l1iOllRC1W~R'.$1lIii'"'I

% P(llilla

",..,(i!'l f*!Ichali'.aIj~IR'1JiIrJJpI

[1M

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Twlla AWolf 44 Pon.n 51 Ap' II

aan~'" ME 0<40Hl2Z6 1I1""I"I.I"III,,,,,,H,II,,,,I,I,,I,I,II,,,IIII,I,,II,,,11

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S
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0.00

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1147iJ.06 ;91,74'

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17278.3'

."" _m_
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1612.29
[11,(10 ItlT, ''I).T

IINTEREST SHIIRTAGIUNPAID
""...,.,.
flroINMIUQ "tICED III Ime:B'I In·lt$l.l4.llk

BALANCEr ESCRDW DISBURSEMENTS

I

OTHER ITEMS

il'lOSs IHTEFEs"

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0.00
F~~

0..00

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0,00

u,l':m

PAVMENT CALCUlATION
0.00

0.00

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0.00

0.09

1"38,24

SEE BACK SlOt fOR IMPORTIUfT Il!lfORUATION

i """"
;;;;;;;!

=< ~ ...... g

iii5!i

Ateo un' NLJmbo 0000067 SUI r:
U 1hlS lnfcnm::nlon is: ccrreoi, NO response ·r no numb~ I~ :Jhow~ng. P'eeee '-omple~e

0'-" "'C"'<i~

Mw ~()UI 5""",1 S" •• "lY Numbe' OJ T"" ID NumD., os: S41i·Oa..3544

1$ neoes~ry. It Ine number s\flowr, I.s Incorrect er lhQ reve!~tI s!d0' er (hI! tarm. ~o.ta"h a._nd mail to: GROUP

BANKNORTtI MORTGAGE. 32 CHESTNUT STREET LEW'STON. ME 1]4240

U
RiCIPrFit1'lIlI.cnt'IEn'!i~.~I...-.QI~~

CORRECTED

lif c,~eckod) Mortgage Interest Statement

·t::,Mllllm;l?" .... rratlll'J.t&.~

BANt(NORTH

32 CHESTNUT STREET LEWISTON. ME 1J.4240
800·442-1275

MORTGAGE

GROllP

tIID1'*"'~~E:7 ~l.kd1Jf."_IM"''_'' ~,tIl:Idrra,cmt"~ q(lt.,~prcpcwtyllll!r

__

,..<Vt .........

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~04
,_'098

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rw~a AWol!
14 Pu",," Slilp"l

111,,,,1,,1,1,,111,,,",11,11,,,,1,1,,1,',11,,,1,,1,1,,11,,,11

a"nllO' ME 04401-S226

a

$
:I

0.00 0.00
1~1I!1\~~~nMlfrl..:Ml:II~ '''''It'II .. ~\'DIJ l):J,'l!irli(,l_.m~li;ltll'!;t 'IIllrUI

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$

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.

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~$CfIO\,>J

0.00
D.,U~

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~~~
INTEREST PAID
QlIDSl!I~$r

o,~o
0.00 ,~.IKJ 0.00

~'f!.~~1!
~~~~R$IOlD

0.00

hNTEREST SHDIlTAGE UNPAID 8 AlANCfl
lel'.29
8EcnN~ 1JA~t: iWCEOttUEFtf.:S1 s~l,ll.Uh D.(lO

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O.O~

I

~~r DTIIERITEMS

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l«Jr,a.l.L..C\"IiD'fIil!l'l'n

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1).00 13.82

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LoA""""""'"

,..,,!o

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'1."0

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I"K'.NC!I",\L,. ~HHl'E.sr

CALCULATION
nEFL..ACEWZHr
QE5;(FN~

silMer: D.DO O.~O

13B,.24

0.00

0.00

"'.24

SEE BACK SlOt FOR fMPORTAPIT INFORMATION

Ac"," nl Number. 6(lOOO67AU1
':lur m~i!::.G ~I\O\"II ~c"Ut SCr.alil Sacumy Number Of Twr 10 Number as: 54fi~OS-3544 If ws Il'1formalfon ts correct. !\IO !Il:!ip:~msl!!l Is necessary. If the number S¥JwrT ~ rrtcorrect or wt Ill! number Is showIng. p1easa complels tho reVar9:.l G~do af lhls rUm1. ~o~t.:h and mail ~D; BANKNORTH MORTGAGE 32 C HfSTNUT S1 REET LEWISTOI'I.ME a424D GROUP

ao. 4. TIte Inw •• , ,..,Ipi.nl may use !hIs box 10 give you oth., Inlo,",&IIo" fiiuch WI: raallllBlat9 Isxes or ihfUr8JlC& pnid from Q;lJorQYll'.

In order to ... Illy yOUI d8ductlon lor morl9"9'l Inwo.' paid during ill. oill.rIIlsr y ..... IhadAS roqu1,e. mat you lumi.~ )'OIl' .""",1 .""urlty 0' texpeyer ldenliloatlon number to us. Fallure \0 I'rovlcIB 0\1. Informa!on can ,•• ull tn a $50 I'"nally by Ih. lAS. II you ar. IndividUal. pm.1de ". wifh ~our """"" _urlly number In tho apace indlollled belOW. It you U oompany or II oo<porailon. please provide ua with your Ia><P"Y&I ldentlficatlOlI numbe, (TIN) wher .. lndioe.led below. DETACIi AND MAIL TClIS FOAM TO THE ADDRESS SHOWN'ON THE FAONT OF THIS FORM.

"'0

Ii"

pl."".

BORAOWEA CO·BORROWER

______

. •

. _01'1
No.

· .

· TBX)loy., UJ. (nN) No. • _ ..
T8J<paye,

_ _

Socl.,So<:urily

.
Social Serurlty

0R No,
provi<lod on this larm .. sjgnsfure

1.0, (TIN, No.

CEFI1TIFICATION·

und.,

1h0l'OfI4IUo.

01 perjury,

loorlily

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Is

1,"., cerreet

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TRANSACTIONS COVE DEFINITIONS
M - J\drnhl.i$·1.nlivc Adju.stmenl .~MC·- CIJPlt.llC'~u",l Cbanso to Rate. Term, ol"Puyrn-enL un ARM ~o:in Aj} -It.ogular MmIBi1!I=I raymont AS ~ A_~~jm pticn CA..· CoQ·II:;lrulClronAdju.r:;tMCPL CO-. Cl)ri'SlruCltOrl Disbursel:hC:nl CO· C:..nyov'or ]nLI:11:'1 Dct.iIJiIOUbh:iD FUEur~ Tex YCI\~
CI' • CnpilalwHion of UU~I'O!i.l

CR • C.")n"~l.tlI\ili~m R':'C'I:Iipt L~~lJ(::kr ~ Cllft.l.!j[rm::nllte\i'~I"lRt,II~oSlC:rl' Aucamlltic.nlly CTl( ... "TA1CWA!C.WP· A drfilituul 1pJymenll4l Pri»e.p;i) CI~. RcvC'tsIC Additional Pa)'meUlln Ptint.:iril.) EO· PIlYITICDl Made ftOom Escrew EVEILtEIPJ[US - [fllur,;;:.lll DII Es.:.:rnw 'PiIlIjtl en AI;;"':l.lUCI'

EOC ·1lII9. &;Oro" R.fu,~ to Mo~, E"I (I - E:l9 - I.lIsUril.rJ e>c: 1'~lUium rlld 'EAO • E49 • Print" MuL1;19gt: IlliU.r.ll.m:", Paid UO - (Z,OS!) FHA Mnn81tSi! In.suaftl::l1 Paid • E6fl. l!!!P· MiK-dllllnl:!fUll P"'ymt;nl MP-dl!l from E.'1erow E9Q - (i99 - R~,I ~tJl.~;:' Tft):t~ 'Plud FB fi:C Om~d 1-Q M.ort8.=l8L)f fun:r;:'u~l,lrr.: 1'1: • F ee rilid by fvlonglt8_or fEA· FC'~ hymenl P~;)Ec:clThfUUSh AulupOO91 fJ' - Fee I'a.ymcnt Ct)HCt;Lcn but 1]01 Billw fR· Ro"o ... [ "file' P,id by MortS'gor FSlFW ~ g;ucc!O$'1 ..I.·... l

Fe

r r

OF· G(I v cmm..entS.llb~!y 'P1J..),menL l.cW ~ J,..a~ C-bIll8" WllIl'Yl(I:d MOll ,MWl· EO!),. PA - ~8uliU' Mort£.lgc: Paymc";ol Pfll'FL • P.yoff or Mort8'S. 1.0", PI~~ Partwl j)aymcu'. PRJlJlU.J1.' RPJPR.:.'" • P;Oymem hu been R..: ""r'Sad (tP - R.cgu It! r M0119&0 rrl~(uc n! ROO - R91,l .. R~t"(lirll'.o £''i,row 11f11''''1ce

S.,,'....'

e~

SRlf;RNSRi..ISWAISWP

- Af1pli~luinn

to ;\':(oun.1

FWNfWP. Coll<'~o" orllUl.d 1'ee
FWV . F~ Payment. Reversed or Wmive'd

SRB - Burdown Balance Adjustment SV • Scrvi ce Release TC . Curtail mel1l lnvci ~inB. fl'rt:p'iliid pnul;;·ip'il.[ UP' ~ Uf!iBpplkrl FUJjw; U l • Uf)t:a.IICl,(cd hc-ms t1N'-lJ"K-n.,w"

o
fli5CIP1 ENr"SA..ENOEItS fI,"tfIO,
llAf,(fjl(l~l.

CORRECTED

(n checked)
OMS No. 1545-090'1

~fIClIl1Ut:p'hIOOli f1.1!iIOI1

TD BANKNOIRTH MORTGAGE 32 CHESTNVT STREET LEWISTON, ME 04240 80D-442-1275"
RECIPIENT'S Fader'" Honllftt.ariOn 00

01-0137770

II

rAYER.

5"45-06-3544 nD·l. c"~,

"'''\aI, .... , "1llTIl<!t
1kal:II,

I""""". 1 Mtlttgilij8 $

·clu!r'DmTh.!I'I!I1lIi:IWlI'"rr.,WPI' mdy f.lOlli", Miy dom..lli~-by )ItlU. UmJlB -bli-Hc' r;),i) Im-.ban ~'tndtitwll:tl8rMdraltll'tJ' rho wwrod pmperf,y tnll)'1f#1pfy. AhIJ, }'CICI mil_" Od'/ df;d:u:f mlirl" eure D':I.~~lIWti~ b}',rg.I,lICft.I~/J(Jidb:t'.k'O'U. $1d I'I(H 1'!lIb»J.fXIdo,.~ Inl.'lflU51 n.JIOItvtcr lrom

~@O5
F."" 1098
14 8.47
'47.J(~boffcw.Wi")•
rl!l1-~tGill (SiH

Mortgage Interest Statement Copy B For Payer

PAYEffs.r&oRAQWrnS

l1i:1n'llJj '1'~

>I:l1c1lll&.St'.elurcIi!'I'J 'Pl. ~

W'Id ZIP eOile

~ Pl;tr.1&. piIold DI'i jMO!lIll' BOll 2 on baclQ

Oi pclo::lpaJ

The IrIr(lFrTUI.!lcm ,In OO'U;!l 1 , 2. jillLi g b jmporlant 18.1:
RINIiiiRUI;t

Twlla AWo~
44 Patten SIApt B Bangor ME 04401-6226

s

0.00
t

i~~I~a:~o~~:~
Servicl&. "
)'00 !:IrO

3- FL.£III.iIniII-ot'

Off1'peI~

Ir(ens (SQIII 80-:1 ., on baf.;k.

11I""J"J,I"IIJI",",II,II,",I,I"I,I,III1,IIII,IIIIIII,1I

$

0.00

rgqulrllK1 10 OO~ l-oturl'l, a G Nig,r-pn::e p8l!llirry or 01 hliu lliianc.ial1mB, bIl im~e;j an you II \J'Ie IA-S de4!umlNPlii lhal an IindarpayntenS oJ l_lD ~:s ~BtJSfJ '/Of.! ova'· <m0r4!ii~

~ated ~ 4QdiJdkHl

AoiX>IJnI

nu"""Sfmb'l1~'fim"iI'
CO,par1roonl

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nnS

j~e.p

'01 you. ",Q)'~'.)

fJf Ihe Titta:91.IIY - Inlemal

Rmranue

SUMce

g~~~~o
,II..MOU."T PAID

PRINCIPAL
17278.34

I
194.23
0.00

:~~~G
AMOUNT ", sa URS<O
AMot.tH .AIO

UNAPPLIED
0.00

I
0.00
0.00

~~~a
,ll.MOUNT PAlO

ESCROW
D,[lO

I BUVDOWIV ACCOUNT BALANCE
~~'~~~
C11.$a'uIl\SEhlENTS

0.00

IU'tiAEST SiiOR'TAGE A.ru>liO TO PRtNCIP;'1.

AMOUNT 0\59UA 0 ••
ESO"OW

0.00 0.00 0.00 0.00

MO
0.00

0.00
eNDING. SI\LA".CE

,"fME.T

11084.11

:~~~~E
BEalN.~ING

1).00

:~~~~

~~CF

D.DD

INTEREST PAID
aRCS! PAID INTEAEST

IINTEREST SHORTAGE UNPAID BALANCEI' ESCROW DISBURSEMENTS
ElIILII""e
a.DO

I

OTHER ITEMS

1471.5i 0.00 0.00 0.00 0.00 0.00 6,91 1478.47 0.00 D.1l-O
ESC-ROW' IMPOl»-l1l

0.00 0.00
LAT£CHARGES

PlUS PREPAiO M. NOT At.LovYEC PRIOR YEARs LiESSlm~M.~T

SIJBSlOY I"WDOWN! L~SS lmERES~
SHORTAtlE:

ADOEO iNTEFlEST sHORTAGE

0.00

DUe BtIT tJ/<PAlD

0.00 0.00

l.EB9 PREPA.LCiNTERS,ST ,,""OT ,4t.LOW.J;O 1HJS 'VA. Pl.LiS rNl"EFlEST SOORIAO.s: P.t.IO I.A'fECHARG£S PAID NET INTE;REiST r'Q,NT'$ IN'TEflf:!ST

LESS H'fl'eftEST -SI'IOFlTAGE PREPAiD

OW
0.00 0.00

EiN'mNG

PAID

""LA"""

MO RTGACi:e PAID OVEf'iF'AIO

.OCROW
AEFlIHD MlcSCEJ.V,t:E.OUS

0.00 D.UU
Ml-SCEUAN50'US

AE.FlIN[IO'

PAYMENT CIILCULATION
PAINCIP"L. I~FlEST .. sEr-l'lfrCE

CtlAAGE

Fl,e~CE~ENi RCSEJAVE

138,24

0.00

0.00

0.00

0.00

138.24

SEE BACK SIDE FOR IMPORTANT INFORMATION'

Accounl

Number: 5000067881

Our records show your Sodal Security Number or Tax II'! NlImber 11S: 545-08-3544· If this information is correct, NO response i. necessary. If the number shoWl1 Is Incorrect or if no number i9shoWing, Please complete the reverse sid.. 'of this lorm. deta~h and mail to: TO BANKNORTH MORTGAGE 32 CHESTNUT STREET LEWISTON. ME 04240

Instructions lor Payer/Borrower
a. tinanc;ial Inslitution, a goliemmentBJ unit snda OOoOparalive !lousing corporation) Who Is engagad in a I",de or bu.fness and, in tho eourse "I sueh IlBde or bU,"","M" l'IlCelvGdlrom you at Iea.t $600 01mQrt~ga InterMI (includ~g corta;n poin,") on any ono. mo~goga in the calenwv y""r
A pamcn (fnd:uding mu.u! Ivmrsn thi.!j .EI1a.tllmum 10 Y'ou.

II you re""ived Ihis alalBmenl. "" IhB pal'" r of record on a mOl19aue on I'(hlch !hum arll QlhtlJ boffQWQ~, luml.h eaDh 01 the 01119.bQmowe~ wllh inlormalioo ab<>tJII"" proper di~!ribution 01 "",OunIS ,sported on this 10."". Each oo([Ow.rl. ""ti~ d 10deduot onlytha amount he 01she Pflld and pomts .. paid by Ihe .",1Ie, thai rep....... nthl. or ho,share 01 the amounl811owabla as " deductlon,for m"rt~a,ge 1000"",1 and pOinls. Eaoh borrower may hBoe 10 irwlude in income. oham 01any amount reported in box 3II your mortgage payments ware wbshflZlld by a government "goney, you may net b<J able 10deducl til" amount of lila SiJb~l<Iy, ee 1hoInslruclions for S Form 1040, Schadu Ie A. C. er E for how 10fBPO the mortga90 'n!"fo'l Also, rt for 010'" Into rrnaden, S89 Pub. 936, Hom. Mortga.9OInoorosl Doduclion, and PUb. 535, Bus!nu1IaExpenses. Accc Ulll ~ urn bur. May .how an a<count or other unique number the pay. r has a.slgned 10 dj.~ngui.h your acoounl. Box I, Shows the mortgaga int .. re~t reuei.ed by Iil.. lnt"reat recipient during th.. ye.r. Thl" emcunt Includs.lnt ..re.t on any obligation saeured by ",.1 prop"
Qtl)It

on a "buy-down" mortgage. Such amounts an. daductiblo by you only in ""rlain cirrum.!Il~c .... C..u1ion: "you prepaid i<lIBl1lSfIn 2005 fJ1erItCOruBri in ,,," by J81IUllty IS, 2006, Ihi. pmpaid inte(est may be j"cludod In bolt " Howwer. you cannel deducl IhQprepaid amolJlll in 2005 0,",," Ihough it may be inc/ud6<i in 00.. 1. II you hold n mortgnge c",dil eo.lificale and d.im Ih"·mOJIIJ1l!j.. lhl.,,.st' credit, sa .. fOlm B396. Mortgage lntaraat C",dit. II the ~tere.t W05 pakl on n mortgago, hOfllllllquit;', lin. of credit, 01 crodil card losn •• rurod by your pe rs"nal mslrnmoo. yOII may ho oulljaql 10 ade<iJQliQn IimilaliQJl" Box 2. ~101all poinla.", "'portable 10you, Box 2 show. poinls you or Iho ""I far pold thl$Y." lor !he p"",hu. 01 your principal ",sldeoCB lha! are "'quire<! 10 be ",portod to yoo. aenonoVy, th .... poinls om lully dedUClible in the y... rpaid, but you must subtract.alter-pald poinla lrom the basi. 01your ,.s.jdsnCB, Olh., points not reportad In Ihis ~o. may 11190 deduclible. See PUb,936 or Sohadula I>a

0'"

A (Form I 040) i"atruc~on e.

<10<>. nollncluda poin"', govommenl subslcly payments, or ."'ler paymonl3

lnciudlng

a homQ equity, fins 01 credIt, or cradit card loan. This amount

Box 3. Do Mt deduct ,hi. emeunr, II is. ",fund (orcredll) foroV&'l'ayment(s) or inta",.1 you made In • plior year 0, y"" rs. II yo~ Itemize<!de<tuctlons m Iho ye.ar(.) you paid tna in!Brest, you may hove 10 includ6 part O( all of the box a amo""1 on llJa "Oths; lneoma" tillS 01 YOUIZOOS FOfTll 1()40, No adjU.tment to your prio r yOOf(,) tax ",lum(8) i. ren essa ry. For IJ\Q ,a inlorma«on, Gee Pub. 9(>6 and 'R<lCov.~ •• "ln P~b. 525, Taxable and Nonmxabla In com e. Bo~ 4. iihe Inla",.1 recipienl may use this tlOK 10 give you ether inlormaoon, such as It>oaclc!mss 01 tile prop.rty 1haI •• CUr&. Iha dobl. l1lal •.s!a\. [exes, or insuranca pM from e""ow. BI1098

In order \0 .erily your d<lduolloo lor monga9O inl.",.1 paid w.ring Ih" "Blsndll' yoar, lhe IRS require. that you luml.•~ your aoclal oe.~ri"" or oo>pay.r ~nllli""lion numbor 10 us. Foiluro lo'prevld. this inlormBlloncan I•• ull In &$50 penally by IlIeIRS_ II you am .nlndlVldual, pro~id" ~5 WIth your """,,01 ... "~rity numl>or in lhe .pace Indicated l>alow. "·you 9'" a camp'my or 8 corporation, plollStl p"",lde U. With your toxf"lyol lOOnlll""'Uon number (TIN) whero :ndioa!9d below. DETACH AND MAIL TrlIS fORM TO HIE !IDDRESS SHOWN ON THE FRONT OF THIS FORM.

pf."...

BORROWER CO·BORROWER

______

"

OR

_

-_---- .---- -------"

,...,.'V"1
OR

1,0. (TIN)

No.
_

T_y.r

1.0, (TIN) No.

CERTIFICATION - underth. pan"I''''' 8o.rrowf.lr _________________

01 p<I~ury,I e..rtily IIIBI1h•• ,formation provided"" Co·8orro"'>l'

!his lorm ls lrue. correct on<I compJeOO _ O.t.
5ign!!llture

_

&lgnatufD

;;~ l;:t~,~~~ ~?g~ ~~
".

0"

~a
m~

.... ~~~$f1911~~~

~t8~g;~~21~~~g$

_---- ---- _
... PI'9'I~!""I-fl'....

OC'CClOOQ¢QQOQO

8S88gSSS2g8gg

TRANSACTIONS
i\A • Admjr:n~lnI..tiYe. Adju:ilU'RClnl JU.1C Contrac.1UIlI CbiID.Ba 10 lUI,c, Term. or P)'}lr:ucnl Ci:nA~\o1lofln AP - Rcgulltr MOflp£c P.oyrncnL AS - As:sumpti!:ln CA - Censtrucrlen Adju~tmr::inl CD. CocJiUU-tfion Di:lwrscPlCDt CO - Canyover InwJ1::s1 ~dul,':libll! 11)Fuune Tex YC:lI[iII era - (".aritaliZ.filiQ(:] ogf.lnUlitost CR - Con'tJ1Jcdon Rcocipl CRUCRP - CUl1l!Iihncl'J1 Rc_'vl;;f$o1l rQS1~d AUlOil1;111i-Cllty CTfCTAICWNcwr· AIUtilil'1ln2l1 ['I:1yrtlCo'_IQ l'rille,pal ctl:t· Koven:e At1tti';Qn~1 P'Aymenllb Pnnc:ip2l1
r

CODE DEFINITIONS
OP ~ Govemrnent .subsidy Jt.s)"IfICIl~ Lew - LilTtI Ch8fEO Wuived

EOD - E09.

E.J 0 ~ E2~.

1IlSU,l'".lt:l«l

esc.ww R~rultd to MOriga:glJot P:r::~miLnnPaid

E60 - Ell)· Mis.;;clluc()u1r Paym.el'lt Mju~,'C Irern HG.Q"mw PFlPfL· P.yoff ofModgJIge 1.0 •• pp • r."i>1 r.'YIQ~1ll E'.lO· ~g • Real Il<IItto Paid PRlPRJ.[rR.PIPRN. r.ymonl b., boon Reversed rn . Pee Dilled to Mortg,n,SOf RP - Regular Mon~8-u hYlflCnl FC·f()~I~:fUro ROO- R99 .. Receipt to. &crow Oali!ll1Ce rEo fc •. P.id by Mort",,!.,

&10 - £49 ·P'riy.pifl Mo n (!4.SoC Insurance P!lid 60 • 259 - FHA Mor18:a!~c 1n.'iU""nl:~l'jIj,ld

MOO· M99 ,Sa"", es am . e~9
PA, Rc-B\llrt.r MonSIil8,'" Pl!ymeoL

'ro"".

EO P"ymeDt Mnde from ~\Orow ElfEJUEI_PIEIS - Int~l'CIslen E:sc:row PlljrJ ou A<cou:n'
i

F'WV, Fee ra.ymr:nl R.e-vtrscd Of Waived

fEA - Pee l'ilyrnenL Jlj)Sll:d Thmugb A'LIWpb$1, .... - Fe I:: J!lIIl'lTIC rn eel f.ec:wd bet nCliISilled r J'R. ReycrRilf offtle P;li-ctby Mortglt8or FSlFW .. FCtrei;lln~urc rWNFWP - C!lUo(:tirtllo or:BiTlf.:d fQC

SRD - Buyd()wft Balance Adjustmenl SV - Servic:.:: Rolei!i5C

SRiSRAlSWSWNSWP·

f\ppli<.l;on

I. Ace'unl

UN- Unknown

TC ~ClJrtaHmcuJlIr.rvolving P~pllljd Principal Ufo· LJnltpplicd Fulitb Ul • U.,coUII:,.,;:ted Iht_m$!

AIiCI PiENTSII.EN

DE:FtS f'M'IS. aOdrtlf.

~11(1 tl!ll'~"1'II)M. nurrbitr

-

... _

•••

!~_

........

\.r~ •

....., ....YJ

TD 8ANKNORTH PO BOX 746 KEENE,NH 03431·0746 800442-1275
RECJPlE.llfts FO(IiffiII'~~~IJM

• CliullQn: 1ho- ArTa.Inl 00'tM .truirI'kNOoi\.l.i1yHd:llG'libJlrb}' )"OU.wnt-.to"IIlIO'antfl4lcllll1 .ftfflOW'II'a.,cltllG.:o::IIt.t:!'ld-rv.lI'bl lilil~~Il"'lFpI}! AM,jQ'lnlliJl'Qfl&dald ,MY,mil !'iii 0'1111 ~ufj

OMS No. , S45·0oo1

Mortgage

01-01~7770

no:

I

PAVell'S."".""",d,,""_' 545-08-3544
flO.}, atty.

1.,.",,,.
$
cQe:J)

b,.:t'OGI,ac~piJkJ!:Il)'QU. "_w:Jl"lor"PlII~.r;Mbi'~!;1r ~ Ml)I1;age

wa'''~

~O6
Form

Interest Statement

1098 Fer Payer

Ir.!r.em:i'i fQOliltve(j' 11!;I'l" Jl'ii)'-"ItI(CjJI:'OJf-own"'J

1254.36
~1iI

Copy B

F ....fatSlilORJlO"NmS '

r'lI:'rt'IO, &L1i!Mrl iltddl<BllIlJf1lO4ti1CJ1'1qIIIct

i4B1jJ •• ,00 liI"

~ PW:III jl'~:I(I;,un l!iI:I_11onblld}

0:1 :p.rirdJ,OAll

r;g~:'!If'l(;\i!

[SH

Twlla AWolr 44 Patten SlAp! B Bangor ME 04401-6226

$
~ ,A!iI'1NKI FJJ ~'l-BrpilkJ IF'IIvr~'1

0.00

,s.c,o.

Aw.inue 80'1. 300 boLOI.)

1IIIIIIIIIIIIIIrlll","I1II1II1,IIII,I,I,III,,~,I,IIIIIII,n

$

0.00

Inl~lnatlan ~d ~ tltil~!;I rt.lfl'1~ to [t1g. InUnnat SeMca. tI you IVQ '9quir~ ID ,ila e rennn. !I negl!ijIi!'[II;t!' portU:P' at: o1~

1l'.lelt'1!Ofmooon;r,:t:!C.ooJ!Ii 1,2. ,00 ~ 1&.I.mPOl1o!'uII' Ill);

on~j~~~~~ 1fJa1 .. n uMClfll!II!tmG.n1 0:11Bl)" 18tyls ~4'U&8 you GYM-

t;~=
kif Ihis 101 1t\:1)!it;i i11l'er~
,e1um. dxI nDII
QUI

-sI~ed

,8

dedu41~

A'''''"''-~'Il'd'l!ll''I'm
form

mor~~;inlrtK'OOl or p::!IlnLEior Dor;:EltllifiIJ':' r~.rt 1hlll' retu~v:1
DJI

1098

(K_,or YO.,",,,,,",,,)

DopaJtmem o( the TrOa9U!l . tl\lOlnal RHltBnUe S&.r\ifc:e

PRINCIPAL
eE-OI~.f,NING lI:/tLANCE

I
17084.11
197.14

BEGlN"NIM:r.

tJNAPPLlED
0.00 0.00

I
0.00

A1.4QUNT
P~jD

""LANCE
AMOUNT

""LANCE
oII.M()I.Aif

BEGINNltIIe

ESCROW
0.00 0•. 0 0 0.00 0.00

I

llALA"'"

Bt;aINNING

BUYDOWN ACCOUNli BALANCE

OI.SEil~EMENTS

ADDEO TO PAlNCiPAl

INl'EFlEST

SHORTAGE

Amu~r
[lUmUR:'JEC I:;NDIt-i13 BALAN,CE

0.00 0.00 16886.97

PAID ......OU...T
",saLmEn

PAID AMOONT
DJS9UflSeD

AOJUS'l:r.o.ms

0.00
rN O.lNG IlALANe.

IEN'DING BALA NeE

0.00

tNDlNG

BAlAN!:,

0.00

INTEREST PAID
G~aIilS IN'~F\EST P'AIO PI.US PR.EPMO INT. NOT ALLOWED PRiOR yt:AAS LE,SS 'NT~~S'J .sU6SIOY [9U'I"OOW"H)

I'NTEREST SHORTAGE UII!PAID BALANCd
0.00

ESCROW DISBURSEMENTS
0.00

I

0.00

OTHER ITEMS

1212.eO
",,"OEO 'NTEREST St4QATAIJ!;

0.00 0.00 g,oO 0.00
41.4ti

0.00 0.00

0.00

OOE: BUT UNPAID

LATECHAMES

0.00 0.00

LIiSS INllt~E"' sI-CJRlA-aE
LE:SS I~Re:PAIrlIN1'EA:fS l No']" ALLOWED THIS VR. PuiS ItflEREST
SHOAtA,CE P.A.H)

LA"TE eHAFlG_~ rAil) NET I NTERE'ST PAID

I<NPlNG eALANcE

0.00

uIP.iPM1
ESCflOW

0.00 0,00 0.00

1254.36 0.00 0,00

PAlO

MORT-GA.GE

.POiNTS

REFUND

OVEflI~NO l~fEAEST

FtEFLt.-.oOF

PAYMENT CALCULATION
I"RrNCIPAl. INrEA:EST CREOIT INSUHANCE

138.24

0.00

0.00

0'.00

0.00

SEE BACK SIDE fOR IMPORTANT INfORMATION

0.00

BB.24

Account

NumlHilr'

5000067661

Our records show your Social Security Number or Tax ID' Number as: 545·06·3544 H this I"formallon Is correct, NO response is necessary. If the number shown Is incorrect or if no number is showing, Please complete the reverse side 0\ Ihls form, detach and mall 10:

TD BANI<lNORTH

PO sox 746 KEENE,NH 03431·0746

Please contact our customer rogard.ing this statement.

service department

at 1·800'-442·1275

should

yev have questions

A person [Including Q linuncial instiMioll, a \JOvemm.nlai unil, undacoop.ralive housing cO!pOrotio,,) wIlo ,s engaged In a (mdo or busin ..... lind, in Iho ccuraa or such trade or blJalnB5Sr r&CB1v8d 'rom you a:lleast$600rn mortgage in!o18S1 (Including ""rlRin pOOl191 anyone mongEJ.QGin ll1e calendar year on must fumts.'h ttd.a: 5wtomarrt to you. II you '&calved iIIi. Slatamen! ... !he pay.r of record on a mot;gage on which !hare are ollte, bo'row era, I\lm;.h each of lho otha' bonoW8('. 'with inlollT1a~on at>oul the proper di.l,ribulion of amounl9 rsported on this fom" Ell< h bOrroweri. ""tiUo<110 decIJel only the amounl he or 8n.. paid and poinl. pa;d by Ih e ..,1I&,Ih.t mpr&Spnl hi. or her she", 01 The emouot allowable a. ft d.duction rOI mollgage iOlo19.1 and points, Each borrower ,n.y heve to Include in income a s har. 01 any arnount reported in box 3. II your IIIorlg0l;l. paym.nts sub.idized by II goVQmffi9nlBll"ncy, you may nel be able to d.dUcllh. amount 01the ",b.idy, Sec the inslruocons for Form 1040, $ohedJleA, C, orE lor~owto report !he mortgage ;.1.",.1, Also, for more information, see Pub. 936, Home Mortga!;l8lnlBmst Deduc~on, and Pub. 535. 8u.lo"". El<p8n.",. Acc:cune number. May show an account or othor uniquill t1umbor Ihll3lanoor ha e e&Sign ed to dlollnguloh you r acceunt, Bo. 1. Show. the mo~gago rest raceived by tha Interoot rocipi""l during tne ye!lf. Thia amount inclucl9s int.rest on any obligation sac" rtld ,by ",.1 property, including a homa equity, lina 01 credit, or credil card loan. Thi. ameunl

_

~1

::t!

'tr"' •..........

,,

,.o.rLII

.:.

v..,..,

.. "...-n;r

Iot,- )

u

jl)'

(1"1

1,,,"'~1I1

cI~um.t'mca., C.ution: If !'I'll pr6paid in! r in 2006 !har eccnmd in fun by JenrmfY 15, ZOOT, rhi. propaid irll.,;os1 m"y be includBd In Pal( r. How"v." you """1'101 d.dur.f Ill e pIIlp.1d amounl in 2006 .VeIl !hough ir may bo inciudBrJ //1 box j. II you hold a mollg0.90 crodil certiticnt. and can clarm!ho mol\g1l90 ihl""'SI' credil, Form 8m, Mortgag. Inl., •• t Crudit II the into",.1 wa. pnld on a
mortgage, homa equll\', line 01cred~ .or c radii card loan aeeu red by yootpcroonBi 19ijldance, you m."y be ou~J.C!to a deduction limltBlion.

56"

w,,,,,

paid this year lor tho PUroh".8 of your prioolplll r.. ideneB !hat are "'Qulred 10 be roport.d 10 you. Gene",tty. th<o"" poi nl e a '" My doductib1e In tho yoar paid, but you rnusl subtreet ... ll&r"1"'ld pcinll! from tn. basis of you, ,... ideneo. Olho( points no! r"pMed In this box may also be deductlbl e. Se" Pub, 936 Of Schedule

Bo.x 2. Not all polnls llIII ro~o""brQ 10you, Box 2 shows points you

onna • .,1.,.

A (Fonn 1040) InslfIJcUon.,

'"Ie

90. 3, 00 nol ded~cl fhl. smcunt, Ills a rolL/nd (or credit) 10' ove",aymenl(s) of "te",ot you made Ina prior y_ or It you ilamized derluclion. in ItIIi yesrt.) you paid Ill. Inla",,,!, you may hov" 10 ",.lud. part or .11 of the box 3 arnount on the 'Other Income' line of your 2006 Form 1040. No B~US1rnenllO your prior yoar(.) t"" tlIlum(.) is n.oo .... ry, For mom info/!nation, .... Pub. 936 and 'Reco""rios' In Pub. 525, Taxable and Nonlwlab'" lneome.

Y""'"

80x 4. Tl", 'n"'mlll re';plenl may us<>Ihl. box to give you mher inlormatlon, such OB Iho sOd",so 01 tho prop<rriy that securee the dab!, moJ .slate ""'.s. or

insurance paid from

800r0W.

doe. nollnclud.

point s, govem,nent

.ub.idy

payment.,

Or

se)l.r paymanl.

BI109B

In orof!( 10 V9~ty your d&ductlon lor mo,tgaga Inlo",ol paid d<lring 11>. ~"'.nc1M yaar. tho IRS (.qul",. !hal you tuml.h your social -only "r raxpaye, i~ntific.tion numb., to US. "";Iul'l> 10 proVide !hi. infonna,ion oon ,,,,,,,II ill a $50 penalty by the lAS. If you am an indiVidual, please provide u. with your oocial se"urity numb.r in Ih. "P8ce Indioalo<l below, II you oro a oompany or. oorpo'.~"'" pl..... provlcl. us with your I""pay.' idon~fication numbsr (nN) whe'e indiC<l1ed belaw, DETACH AND MAIL THIS FORM TO TH'~ I<DDRESS SHOWN ON 'f1.I.EFRONT OF nils FORM.

BORROWER co·aORROWEA
CERTIFICATION· ufld.r

---- --------500lal

OR

.

_

SAClJ'rtly

No,

T""I'.y.r OR

-- --.---' ----s.oort<jJ No. ---._--Sodal
ce-Bcnewer
91gnnture

1.0, (TIN) No, _

T"'1'o)'<lr !D, (T"'O No,

Ihe penalties 01 perjury, I corlUy thai Th.

Inrorm.bon provided on 1h1310rm I. true, ",,,mel and 00"'1'18'0. Oal.
srgna,lUT9

Borrower

_________________

_

Twlla AWolt 44 Patten St A.jjl B Ba ngor ME 04 01-6226 TRANSACTION DETAIL LJSTING coos
AP AP AP AP AP lRN

DATE

PoST

DUE
DATE

TRANSACTION AMOUNT

INTEREST PAID

PR1NCIPAL PAID

ESCROW, IMP~P/lIO 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

LATE

CflI'RGE 0.00 0.00 0.00

CONST_l

OPHNS
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

VNIIPPllED FUNDS 0.00 0.00 0.00 0.1)0 0.00 0.00 0.110 0.00 0.00 0.00 0.00

AI'

AP AP

Fe

CWP

PA PA

1)6~atOll

~111D1D6 O2I':Ifl)S 03!2O/D6 04/111106 O~4/05

OIllUliOO 011118106 OBl2I/0~ IO/IOIIJS 10110100

olnema

0001108 03/Ull00 O'1011ll6 05101/06 06101106 07/0'10. D8I01IOO 0B/OM)6 OSlOl106 09/01106 \OIOIIllS

Q'IO.'OO

13B.Z4 13a.24 13B.24 1382.4 loIIi.l. 138.24 138 1 11lS.S6 27.54 5,,;0 ':38.24 145.15

.z

121.T5 121.63 121.S1 121.39 121.l7 12U! 12'.00 0.00 \2Il.1\ 120.5~

121.87

0.00

11.09 17.21 27.'" 0.00 17.53 17.65

16.91

11'.37 lU9 16.51 16.73 IU5

0.00

G.91 0.00 0.00 27.54 0.00 0.00 0.00 5.9;

e.oo

0.00 0.00

0.00

0.00

M - Admlnismuivc Adju.3trn4lnl
AMC. CQDtra;"l'Ulll Cba.ugc 10 R.tII[r:,Tenn. 0.(' PaymtrH tQan AP -llcau1lr ~oCrt.slll!:~ Pajlml.!t!t
QI1A~

... - A.:tUJ \S

mpnnn

C,\ - COII~ruct(Ofi I\djummcn~ CD - CalloSlruttioG DisbumlllC:al CO· Cinl)'U~cr Inl.c::J'\l"oIiIl Or;dur;:liblc in Fu!uf\'! 'nu. Ye:Il.~ Cf' - Citp[tIIlluI,litm OrlQICRI:fL en· Call~ruc;:riofl 1~t:!ot::.ip'l C[UJCR,P· Curtai1rrnml R"VoClllCdfftasLCd AU1om.nticaUy CI7CTAICWAlCWp. Additi eee i to Pri.ti!'.i C'TR.. RavoCrso Add'itiot.l4l rltymontll) f'rim::illal ED. Pilymcnl' ~c from Escrow EI/EU)HJPfElS· fllreCt":.:t (In Escrow faid DD At;OOluU

v.ym.",

r-stT'W • J;arec!cw rc C~ll""lion.fB;~.d r-"" FVN ~ f''':1C Payment Rcvt ..ned or WaJvc.-d
VWA/FWp.

McrtAASD' Intl-'L!rM4;:tPfl:mium Paid Pri~at~ MortB,<ig'c ID~FJrum:;-.o-Pairl ':HA Mo-nKlI"ge h,sufl-nce Paid Mi5£.r:Il.atlcOUS Payment ~ln:dC! from BsnoYo' 1090. ti99· Ro.i !~I." "I".xes Pald . FB • Fcc BLUed tc MOr1 EtIll30l" Fe • Fo-~h,'l$u""" FE-. reo Pi!id by Mct18illl;f,Qr I-'£A • Fee P.aynxmt Po:U'l!ll Thmugh Al.lfopuSl fll• fcC' Il.aymcnl Colle4;Lccl btll not Billcfl l'R " R.:vo",.' ofi' ee P.ld!by MortgJI8or Ell]. E40 E-SO. £60 E2_9. FA9 • 65-9 689.

BOO· EM " 10""",,, Roflmd

'0

or ~ Qpvemmea! Sub8kl;o Pllymcnl LeW - l..atCl Chtlrge WlllvlIJ.n

MOO" M!l9 • 8_.""" .., liIlO" r:99
P.I\ ~ Rcguln Mortgage f'tIymco!

PFIl'FI.. P4y.ffofM."8~B. Loan pr ~Pan •• 1 P.~mo.1
PRfPRUPRPIPR.\! - Plloym,Collt h3$ been Ro'l,l,¥'~u Rl! • negular M(utgaglC< (lll}' mem ROO - R9? .. Rl.l't>eipl tn R~c.-row ,BII.I_-Q,lu:e SRlSKAi.sWSWAlSWP. Applic-.a.tion.o A"I'HUII SRD • Ouydowr.r Balanto Adju!!!Ino.nt SV St-rvie:c Refeese
4

TC - CunnHmc.DI [n'lll,dvina Prepaid Prh)ci,':liJ
UF" U""ppiiod ut -Unoolklcted UN" U,,""own

ru"d.
itoms

TO BANKNORTH PO BOX 746 KEENE,NH 03431 '()746 Boa -442 ,1275
REClPIENrS Fedenll k.\!nIWJc;aIkf) no.

IlJsG. ytItr'JJjJfc;q!ycMcftICf
(JJll'Od.h:rlMlm(fI.'W1I!O'",,~

mIlf 1101 tie tuay ~I;ICffOll by yw, Uin;ftobPl_Oli ifteIl'!;lIm ~rWrhaca:rlj!lll'd~c.t jh~"~~r1ymltl·appi'r.
lfI~-

..... (;I t",V, ."·HI"VtIV M

I

01 -0137770
PAVEl R-SlBOAfU1/i'ER'S
r'iiiI,~" -II'I;y.qIIII ..hI~

I

Of )lOll, at'"lU&!1y pa'd ~no'~byM()VJc)t

Dr JOe.!,
tllittlll'td Ir~

~@O7
Form 1098
PIWGl(!l~Ij;f[Si)·

Mortgage Interest Statement
Copy B For Payer

"""".,.
PAY S ..... III'"" ....
¢pI
M},

545 -08 -3544
tit)',
~pjlJ.,

""" •• ,
l!II'id ZIP 0000

1 t.. .or~gagIllIIlLttltir

$
:2 PoIUa PII)d en pufChnn a.c-x:1on btldi}

1564.73
1;11 pm::ipli

!lnr:lul:llngo

tot~~

~Sf)a

Twil.1I Wolf 44 F'nUcn S. Apt B

S
:3 ~c.rrQl.'OI'PllldltlIO'roi:!rSGeSox3ono:~,)

0.00 0.00
Prn~

111""1"1,1"111,",,,11,11,,,,1,1,,1,1,1111,1,,1,1,,11,,,11
s ~'m 1098

S""sor ME0440.l.62l6

$
IG MOf'QBgllll!'lIiUfiJllCIi:I

ttb[fMtbn W'1 bcXu ',::. 3, (I.:It1 ~ iia ~i'l1U11 ~N 'Dbtl'Ul1KIrLenu fl!illilll"iilliknliib;id"lg 1tIQ11"111("'w.l~uaiSefVlca 1f~lIJQtlXluHdIoJilil'1I ra1Utn,tl~.~II)I(B other ud"", rmy b.lrnpo!l ..tJ M fOr.! til &11111 d~'rrnlr"lQ.N IRS II'ILlLiVlUn3DIP:.:fi'f$ruQI,1IX
Hl.DI.EJt.tbtM;1I.1I1.YOU&.ior.t.llll9Dd

YI'MI

S
~rtr"''''l!!rl800 lnG.lru~)

0.00 5000067681

IIId&d1Jctlonkll1h!1I.1'OOI1gtilijO Wt~ct(it.tll orit., ~ patllsOf
bec:OUH ygU dIG PI;! IQQOfIlh:i~

~

Cllln~on

1VU1 m(um..

• 0'.....

.000'..... _

""""0
UNAPPLIED

(Ke<>p

I." you, "",.rd.·1

O'St)8f1mOni of 1110 TI&e.a:Uty· Intorngj Rovonue Sorvtce

~~~e
AMOUNT

PRINCIPAl
16886.&1 332'.29
0.00

I

=~~~~
AI'tiOUNT

I
0.00
0.00 0.00 ~~t~~
AMOIJ.jI

ESCROW
O.GO
0.00 0.00 0.00 o.oD

I

:!~~~e

BUYDDWN ACCOUNT BALANCE
0.00
0.00 0.00

CI.5BUMSEM,E.NTS

PAlO "CoeD TO PI;lNClPAl AMOUNT
CISBUAS£D ENDING M_I.ANCE Il'ffE:R5ST SHOA'JA3&

",,0
AMOtINT

PAID OIS1llJBSEO
,A.MOUNT ESCROW

,"SIl1.JASED

0.00
1&554.68

~~~e
e3EGlNNlNG

0.00

~El.'l.~

'NTEFIEST

INTEREST PAID
ORos<l INTEflES' PAID
fFlel, ...m' INT, NiOl AL~O'''''EO PRlO~ yt;AAS t..ES'$ UfT£fl~ST INr'E:RE"ST

IINTEREST SHORTAGE UNPAID BALANCE!
1550.18 0.00

ESCROW DISBURSEMENTS
0.00

I

~~El.'l.k
OTHER ITEMS

0.00

~w

a"lANCE

~.OO 0.00
0,00
IN$UJ!.ANOE

SUSSIOY("UYl>:lW'~ ·$ljOATAG'
l~,$s

0:00
0.00 0.00 0.00

ADOEO IHTSFt6si' SHORTAOe

0..00

tAlE cHAAaEs

oue aUT UNPAID

0.00

l,ESS PREPJ.lfJ IN-'T'EFlEST NOT J"LI..OY/EO TlilS YR, PWS1>ITeRE$T

L.E.SSJWE:fl;ESr SI«1JU~GE F'"AEP.IIfO

L.lfE A.:NDfOfi OI$Aulun

0.00

SHOFI'l'AGI: PA,IO
t,ATF, CHAR~~S PAIl) NET 1~'l'B'EST PAID MORTG,AGE' POINTS PA,ID RE:FUNOOF O\I'ERPAJO INl'E ~sr

34.55
1$84.73 0.00 0.00

ENDING BALANCe

0,00

M~PfP'MI ESCI\OW AEfUNO ~ISCEa.L.AN;e;'0U3

0,00

0.00 0.00

PAYMENT EALCULA nON
PRtNOlft.AL. • INTEREST

escROW}
IMPOUOO

SERVICE OHAfIiI3:E

I=IEPtACEMEHT

REsERVE

TOTAL
PAYMENT

138 .. 4 2

0.00

0.00

0.00

0.00

0.00

13B,24

SEE BACK SIDE FOR IMPORTANT INFORMATI.oN

Account Number. 5000067881 Our records show your Social Sawrily Number or Tax 10 Number as: 545 -OS·35~ II Ihis Information Is correct, NO response Is necessary. If the number shown ls Incorrect or If no number is showing. Please complete the reverse side of this form, detach and mail to:

TO BANI<NORTH
POBQX746 KEENE, NH 03431 ()746

Please contact our customer regarding this staterneot.

service department

at 1 -800 .... 2 ·1275 Should you have QUestions 4 you may qualJly for ~ new

II ~our lean closed In 2007 and yO\) paid mortgsllB Insurance, Income tax deduction. Consult with your 1"" advlsOl.

What' B new. So. th." Instructions lor OO~4 lor an additional Interest deduCo lion "'hlch may be a.alluble 10you. A person 0r.oIuding a fioanclallostitutlon, a governmental unit, "lid a coepsraII".. nousln!l corporalion) who ill eng.OBo In • lrado or business and, In lh. COU"''' 01 StIth liMe Q, busln,Qs s, from you atleaat $600 01mort9'l98 inleroSl (includlr>g certain pOinlS) e. any 00. mortgage In Ihe calsndar yea. must lurnlsh Ihis slalemanl 10 you. II you received this '!alemam as ths payor 01 record on a mortguge on which lha,s are Olher borrowers, rumlsh (taoh .1 tho etM, tJom)w~rs wUh In(ormation .boullh. PlOpS' distrlblJtion 01 amounts r.p<:>rlOO on Illls lorm each borrow e, Is .nlhled 10deduct only Ihe amount he 0<she paid and poi",. paid by Ihe sail., 'h.t repma<lnl Ille 0' M' .ha,. 01lI1e.ma"'" allowable as a deduction. Each bcrrower may have '0 Include' in Incoma a sharo 01 any amount '.portoo In box 3. II your mortgage paymenll3 we .... subsidized by a gllvernme,,' agency, you may nOt be able to d.dU;:I Ih. "mow" of sutlSlcfy. S•• ,helns'fucllons lor Forrn 1040, SChedule A. C, or E lor how Ie report the mOllgage Inl"rest. Also, fer mar. information, se. Pub. 938, Home Mongag.lm.r"., OoducUon. Bod PUb. 535, a~sln ass Expenses. A",'CQutll number_ May shew an. eccccnr or o~nerunique numb9:rfhe tender has a.;"gned to distlngu'sh YOlfT""""unt. aD. 1. Show. me mOr1gageInt.r •• ' mc.lved during Ih. year, TIlls amount Includes Intorasl on any obl'llaiion secured by real prop any, 1ri<;lurlinQ h0019 a Oquily, Iins 01",sail. 01 croo" card loan. This a<noool doe. not Inctude poinls.

- ---- ._- . -,1--------~ ..-.

,"",,",ed

,he

governmenl subsidy p~ym.nls. or •• ,Ier payments on a 'buy·down- mQ~gage. Sucl1 arnounts are d.dueUble by you only In certain clrcuma!8nC1ls. Caution: II you prepaid ImetOSI In 2007 11181 "eerued in MI by Janu6ry 15, 2008, Ihls ptepaid IlIlerosr may bs inclUried In bo~ I, /1{J well6r, you carlnol rieriuC1llJa,pmpalf! amount 'n 2!107 .... n though it may baincfucl9(i IrJ IJOJ(I. H you. hold • rnongag. oredl! oert~jC8tB and can Claim the mortgaQe loler.st credit. se e Fcnn aalJll, Morlg.ga Inle""51 Credit, Iitnaintersst we. paid On" mMgago, hom. equity, lin. ot croo~, or credit card loan secured by yovr personal ",sldence. you may fie "uhjO<)! 10 a doouctllm limitation, Box 2. Nolell poillla 018 mpor1l11lleto you, Bo~ 2 snows p-olnl~,you or lhe oelle' paid this year lor lhe pUfChase 01yo~, prinolpal ,esldence Ihat at. req "ired 10 be reportao to you. Gan.rolly, Ihoso point. am fully deduCllble in Ille yaer paid, bul you must sublract seiler-paid pOinls from the basill 01you, residence, Other potnts may 81", be !leducll"la, Sea PUb, H36 Dr Schedula 1\ (Form 1Q40) ins'ruCTion s, Bo. a. Do not deel,,'" Ih .. "mounl." I•• relund (or credit) for """rpaymem(s) of Interost you made in a prior yea, or yaa,s. " you il.mi2.ed deductions in the yoar(s) you paid Ihe interesl, you may have to Illdude P"1l or all 01 Ih. box 3 amount on the 'Other I"""ma' Iina 01your 2007 Form 1040. No adjuslmont 10 your pnoryo.,(s) 10' '"tum(s) I. "."".sary. Fot mor .. lolormaUon, see PUb. 1136 and RBOOV9rl6$ in Pub. 5:15, Taxabl. and N""""",ble income. S"" 4. Showo mortgag8lnsulance premiums which may quality 10 be lre.tod •• deduc1lbla mOrtgage Inl.rest, S8alllO Soh. A (Form 1040) In.'ruc'tons. Box 6. The r"clplenl may use this 00' 10 giI'U you other information, such as lhe •.ddre ss of ma property IMt ,,,<:vms the debl, roal •• lats I"" es, or Insura"". paid Irom escrow, 8/1098

InI",e.'

In order 10 verity YOllr doouCllon 'or mortgago I",e,eot paid during 1M cal,moo.' y•• r, ,he lAS reQUlms lhal you lumlsh your social s.curllY or taxpayer Id""lilicajt,m number to us, Failure 10provlde·lhis Inlormalion eM rG3ullln a $50 penally by the lAS. II you am a"Individual, please p,ovid" us with your .oclal seClJrlly number in 'he soaee Inrli<:atedbelow. II you are a company or a corporation. pleasa Plovide us wlih your taxpayor idenlificaUon numb., (TIN) who,. indlc.I"d b.,c>w, DETACH AND II1A1L nils FOAM TO THE AOr:lAESS SHOWN ON THE F.RONT OF THIS FORM BORROWER CO·BORROWER
OR T''<OO\'OI I,D. [TIN] No, OR Tuxj)DYa, _ _

-- ---_. ---- ._------01p.~ury. I cartily 11101 inlorm.llon 'he Co·Borrower
signal","

to, (TiN) N.tl_

CERTIFICATION - unde, the ""n.~les
Borrower

provid<>d on

Ihis tOmi is tree, correct and complere. Dai. -----signalLlt.

________________

1111II1II11ml~
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:;:II (C

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~

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i: 0

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~

?~~~~~~?~~~~?O~~~PP~~~P

ggggSgggggggggggggggggg

OCQQOOOQQgQooeOO~OOCOCQ

~~R~~~~~~~II~II.81~~8IR

M - ADmi"i~lml' V("J\djtJ ii:lm~l'l_'

AMC· ConllBc.iua' Change fo Raro. Term!
l.}t1ARJ.4tDI!H!

gf

PuymC!nt

EOO· 1>09· "'~ww R.or""d
EJO ~ £29·

L.o

IJlsu,nLccC! iln:mijum

Mo<tga8or
PII!.id

ED-· PAyment MMe t"rom Beerew EVEILiIlJPflllS ·IDlel"O>I"O Escrow P.. d 00 AoC<ll.lO'

AS' - R'=8'J11r MortS.8e 1)l:lymont AS ~ A$'SU mJ1\iun CA· Ct)n~nI(;dll-l!. Adjunmenl CD· CoCR.nJt'!io_L'l DilbunClrncnl CO ~ Canyover InlQJtSl Deductiblo mfl,.llun:: Tax Yeln ell. Ctrp~'I,1II~th}n InIGIt:S1 C.R - Cult:iUucHon Reeetp~ CRUCn.p • Cu IU; Imonl Reversnl Posted Auta-m::t:l.t'CI!lJi), evtC:fAICWNCWP - Add.itloo2l1 pJt}l'lflenlln Prl1'lcipa.J C[iR~ ROVC'RO AddllioJllll1 Paynacnull Prin'C'L]NIII

640 ~ 849 ~ rliviilt.

Mong.agr; JIli5U.n .i.CLCO PaM

FB· Fee BlII.d to Mongogo [
Fe - Fo~lu~tnl

ESQ .. P.59 - rnA M(H1pge liuuruct!- I'aid EGO .. EB9 • MisceU:tn,erHf:5; PaYR'IG'ct. Ml'ldo £1)0· E!19 ·)\",1 il<IAl0 T"" .. P.id

from

&crnw

er

Fe· Y.. Poid oy Mong.~.,
FEA - j~~ l'itcymcHli p.."stc::d Through AulDJ)uill FP :FIe! PaYlIu:!]t c-on>KIIOlO !ii" not Bil[l:Id FR • Revc~1 :l( Fee Paid Dy Mortg.agOf
&

FWN£'WP. (:01] ee tien ofBill<d Fee FWV - Fee Pa:(mt,cl Revened or W:tlve(l

FSlfW • Fo«<,losu re

OP - OO\l~mmt=n( Sdb~id)' P~)'mcn( 1..(;W -Lste Chii!lrgG W.iJht e,~ MOO - M99. - S.mc- •• , cOD, - t:l!9, PI.. • ReguLar Mongll:gc PaYIMQ[ PFlPFI, " f.yolfofMotl8'l80 Loan pr • Pat11&j rt!:ymcD~ PRlPRLlPRPIPRN - P.aymel1l has beee P.:o...t!~u RP· nll!g'oJlflf Mol'Igal!!:,(.)r;)ymcnl ROO· R99 - Receipt to ~w BalanceSPJSItAISRUSWAISWP ~ A.rrlt-C:~'liof. to Ao!:'c!')unt SRB ~ BuydowD B$.I.a.fl;Q Adju:lme:n-l SV • Service &:1, ... "fC - CuIt8i1meQ~ lnvorvill8 PR:opz:id I)rincipal U F • U n'ppltod '" od" U(· Unc-cUCIcted hems UN· Unknown

AEClPlENiBId'IJ4INI(o

PO BOX 746 KEENE.NH 03431 -tl746 600 -442 -1275

oI\I"Q".<*f", .. , ....... _."..".,.,

'

RfCN'1E

.

If:,aliCtrlOQ.

I

. C.~e,,~ l1'lc oIIfJIiWlJ,I$haw" l'IlIlynotbo,tWy~'e-bY yoo..t..f!n-ts~dOl'IuPt.tID~' QJnC)l.K,lli.llta'lftam.tf*'lClilfti,'eol rho .~JNod~ngi'~ Also. 'fWifiII10J'lfy~CI inter-t'.Jf ro rite o:fM, If ~IW~ b1YGlJ',·~~~COjI,tW, .llh!:l'not~GC.10jl'~1'i1;¥

OMI)

No,

'54S.jl90'

Mbrlgage

1If.~

~O8
fnrm

Interest Statement Copy B
For Payer,

PAYEr.'.......,;."""""" ,.,,''',,''
ept, RD.t O~.... ~tAl~.,!.lAdZIP oDd"

1IIaIY:'.
, MOr1~.MQI~il~~.(jdfmt:n~~~n::rv.1Ir'(l&l·

1Q98
Tne hjonnojgn In ~ 1.2. 3, (1M'" illmpoo8r'i1 t(L): ~ I'nlliorll IliAd I, bell'llll '1IM~ 10 hlntarml ~ Sarv1cs. tr you 4'" ,equlrnd 10 riel 8' IOlWk. .1J.a~ pmik~ OJ'
IQIl'1.IIIriJQl'IC(I~!"!Il'j"bt;J~D.d

$
~ if'IninlJl paid 00 OCII::2Of1.biJdi.l
~IIJII!I

P;t'''E,R'~On~'V~FI'S

n.aMlt tUeeI oIdd,f~

l'l:(j~

d PlIK.Jpal

Ia;(1.[ft1

{SM

Twil,AWolr 44 P.nO" S. ApI B

III, ,"1 .. 1.1u 111,"".11,11, ... 1,1,,1,1,11,"1 .. 1.1.,11. "II

BOneD' ME 0440 I -6226

$
3 FlIPlJ.wiQ 61 WClrp;DM"'e~11

{Se. ON

~d!..~

'$
M~r'l:tv.r"l'iOtmrn:'IIrT.1j1 v,vv

(lf1,w1l1hliIRS.rit181'~1
,".IJl!lnlDlloJ~lollb ",~lJIaeaLlUJ~OY\'II'DII"t(IQ

,
Form

$

IIIdDli~iOl'I'IorlhillmtJIl1.~1jJCI
lr'litflrll'.'i.IOfkltU'lO"~ .. at

.. «T.>. ~~
1098

"'' '"'

v,,~'v

-""-'1 ..... 1 • ........
(Keep 101 Y"'" ".""UG,)

b9cwc.. you did not r~lt re'lft'dgr"",III:II'DI'\1'OUrllllWn,

l~

oepal1mQn;t of Iha. Troo:oury • Intornal Ruwl'1\lo

Ser\'lcil!i

PRINCIPAL
EJt:'OI/IINltKl. EJiI\l..,A~.'CE oWOUNT

I
16554,es 0_00

UNAPPLIED
EIiI:01Nt'llING BALANC'E AMOIR-Il PAlO
AMQI,IIojT

I
0.00 0.00 0.00 0.00 ~~~~e
AMOUNi PAlO AMOIJIoIT OlSl.IUFlSED

ESCROW

c.na a.llo
0.00
0.00

I

g!~%~I~

8UYDOWN ACCOUNT BALANCE
0,0·0

PAID

DlS'S:U~EMENlS I>.DJUSTMENTS

.~tTERF.:S.t :S~fAGE AODEO '10 fi'FuNCIPAl AM-OUNT OJIi>QuAs:rn i;"N.Dll110 BALANCE

DlS81J1lSEO

0.00 16281.23

rN~=1'

~~:1~~
ElEIJIN .... ~J(l ElAl,ANCE

~_~~o: nSAl J;:s'.... e r

0.00

INTEREST PAID
O'AOSS PAID !N'TEI1ES T

!INTEREST SH[)fITAGE UNPAID BALANCd
0.00 0.00 0.00 0.. 0 0 0,00 0_00 0,00 0.00 0.00 13,82
ENDING DALAI'fCE LEiSS 1"'1T15'neST SHOFlTAOE PREPAID AODa) IN-mflEST SHORTAO.e

ESCROW DISBURSEMENTS
TAXES DlSBUMScO

I

~~~~ce OTHER ITEMS

0,00

1523.87

0.00 0.00
LAiE' OHl\RCJES

PlUS PREPAID IN!_ NOr All.OWt;.o ,PtlloA Y~AAS LEiSS INn!:Arulij

suas'IW lBUYIXlWNl

DUE B\1T U""hID

0,00
0.00

L~SIN"feRE:;ST SHOJ1TAU-E lESS PRE.PAlD 1N"J"e,rlESlr NOT ALLOWED THJS 'fA.. PLUS '"TEREST LATEeHARaES rA.iD NI:f"nE~£ST PAID MOlU'GAGE POINTS PAlD REFUND OF O'Y'EFIP .... 0- JtlTEFffiSf I

6iHOATAe~ PMO

0.00

1.5S7.4B 0.00 0_00
ISSORew FtEFL't~O

0.00 0.00

PAYMENT CALCULATION
PA.1N(::IPAL ~
If\lTE~E-ST

CfIIEDn INSUAANCE

SEiRVICi! CHAOOE

PlEPU'lC~ .... f:Nr

RES~AVE

TorAl PAVjJcNT

'138,24

0,00

0.00

0.00

0,00

0.00

138,24

SEE BACK SIDE FOR IMPIIIUAIIIT

INFORMATION

Accoura

Number:

5000067881

Our records show your Social Security Number or Tax 10:Number BS: 545 -{)8 -3544 If this inforrnallon Is correct, NO response Is necessary. If the number shown is Incorrect or if no number is showing. Please complete reverse side of this form. delach and mall to:

Ina

TO BANK. N.A, PO BOX 746 KEENE,flJH 03431 -tl746

Please contact our customer regarding this statement.

servlce depar1menl

ill 1 -600 -442 -1275 should YOll h"~B questions
fOT

If your loa", closed In 21101or 2008 and you paid mortgage InsurancfI, you may qualify a new income tax deduction. Com,uJ! with your lax adlll$or.

~ --~ ~ ~-. -, ..... -- .. _ .......... ........ ..... ... .
gove,nmenlal unl!. .nds CQOP'''''Ilv. l1au.ioll Gorpotnlion) who 10 ""0"9"" In a rrado or bu.lness and. In the coerse 01 such t,"deo, business, m,,"",ocIlrom yru 01 lea"1 $600 01 mort~go
a i mar •• ' (Inclu!]\ng ca~ain points) on nny musllurnlsh "'to starernem to you.
I) no

tion whie" may b. available 10 you. A person (including" flnafIClalloslilution.

What'.

new.

See 1h9lnstn/cllons

lor box 4 tor ao addfticnal

inl"r es t deduc-

mortgage

In t!le calGMar

yaar

Informallon aboull"" prop., o'ls,ribullon 01 amounta mport"d on this lorm. E~r:h bQ'rrowel ls entilled to doduci only Ihe amounl ha 0' .he pa;<l8J'ld points paid by Iha salle, ih81 reprosanl hi. 0' h'" sMare 01 the emoum ollawa.bl e ae B d9lluctton. Eac~ borrower may h.,o If) include ill Inoome a s ~.'" 01 any amccm reported in box 3_ II your mortgage paym ams war" slIt>sltfizad ~y 8 gOVHmmer>t agenoy, you may nOI be able to det!uCllM amount altha subsidy. sae 'lhe in,tructlons lor Fo,m 1040. Schedul. A, C, or E lor how to rspon ma mortgage Inr8,ast. AlSO, fo, mora inlo,mallon •• oo Pub. 936. Home Mortg.go fnlerest Deduction, and ~ub. 535. Business E.pan.aa. ACCDunl number, May show an 8CCOtJ.nI or omer unJque flumber has assigned 10 distinguish your account. the IOF1dBr

W~rC~o:'h;~;e~~:do~~~

~~l%~!~~.~)~i~l~~~~ O~Ir~hC:~hO; ~.:~~~~'"~~

Bovemment autffild)' paymenl.S, 0' salia, paym,,~1!; on a ·Duv",lown· mongage. Suoh amounts deductible by you only In conaln circtJmsta~""s. Coull"n: If YOiJ prepaid "',,"'''', in 2007 "'01 aOOflled In lull by January IS, 2Q08. Ihls paid (meres' may be InGJUJiedJn box I. yau canMI deriucrrhe ptepaid amount in 2007 oven ,ootigh it may be incJudGd in box " Iryou t;o!d a mOtlg'gge eredl! cef1ilic.1Q and can claim Ihe mortgage Inlerest credil, s... Form 8J96, Monga>lB Inlemsl Crowl. II lila Inler.,,' was pale on a mortgagoa, home eqully. linD ot credil. 0' credil card tean secured by yeu, personal realdence, you may be subi"ct to iI deduction IImilation.

a'e

HowQ""'.

p,,,.

Gox 2. Not 811poinls are IIlporteble 10 you. Bo. 2 shows I'OInl' yo u or I~'" seller paid this yea' lor Ihe pur<luIs .. 01 yeur principal ",.10.8000lhet arB. required to be "'patled 10 you. Gene,ally, Ihese poinls IIr. lully deductible in the yea, paid. bUI ~ou muSISulllr8cl sellefl'Bid poims from Ihe oos;solyour ",sidence. Olhe, POIoIS may atso be dedU<:llble. Sea PUb .. 936 $ChMula A (Form 1040) Instrucllon s,

0'

Box 3. Do n,,1 d.uduC1 this emcunt. III. 8 reTvnd (or credlt) for ",",'paymanlla) oJ Inl",,," you made In & prior y"a, Or years. If you itemiz.d deductions In the ~ear{s) you pai<l the Ir)lares!. you may hava to InCiuda· pM or all oj Ihe c," 3 amount on !he 'Olhe, llicoma' Une of your 2007 form 10W. No adjustmenl 10 \!OU, prior year(s) tax ralum(e) is noo.,."I)'. for mare informailon, s ee Pub. 936 and ReoD_1IS In PUb. 52.5. TOl<ab1e and Nontaxable I""ome. liIox 4. Sflowe mortgage insurance p!emiumll which may qualify to be trnate1J.s docluctlbla mortgage !."'",81. Seethe S<:h.A (Form 1040) Instrucllons. Box 5. The Inl0''''1 r."ipi.nl may use this box 10 giv& you ath."! inlo""alion, eo I/la address 01 the propMy lhat secures the oobl, real esl.hllaxas. 0' irlSUfHJ10e pa'Cl1rom escrow,

Box 1. Shows Ihe mo~ga.ge lnta rest re<:.elved dur1ng Ihe year. This arne unt Includ as lnl.,aS! on any oDtigaUon secur8CI by ,aal propeny, includJng a home equity. line 01 cmdll, Or credit card loan. Thl. amounl does not inClude polol:>,

such

61109a

In order to ve,ify yo-ur d<3CfuCllQn for monga,ga InlafOOI paid auring lhe caisnoar yoar. Ille IRS requites IMl you lurnlsh your oooial security 0' ta.pay.r Idenlmcalion number 10 U$. Falluro 10 proolda Ihl.InIOlma.llon can re.ull in a $50 panelty by tho IRS. II you are an l.~divldu.I., plea." provIde us with your social security numbor in Ine spacs indicaled ".Iow. If yOIl a,s" company or. corporation, ple.s" provide us wilh your taxpayer idenllfi<allon numbo! [T1N) ""'''r6 Indicaled Mlow. DETACH AND MAil THIS FORM TO TliE ADDRESS SHOWN ON THE FRONT Of THIS FORM, BORROWER
OR -~ _

r."P.Yor CO·BORROWER

I.D. (TIN) No.
_

------ .-.--- - --. -----"I pe~ury. I c.~lly IMI lhe In!annatlon prov!a.o CO-BoffO~V9r signature

OR

To.pay.r 1.0. (TIN)
on Ihls fo,m is irua, eerrect and camp lOla. Datu signalure

No.

CERTIFICATION· Borrower

"ndot In" pan.[;s.

_

• 1>221 ;59

OOOO~OSl

1J.9l!IN02

{lI5I',

U4 \0

Twiia AWol1

44 Patlen 81 AJl' 8

Bangor ME 04 01 {i226 TRANSACTION DETAIL LISTING CODE
AP SM PA TRN POST DATE 01111/00 01111101 0IlWO~ 02l1J/O~ 03107108 041(l6l0B OM)6/0~ OB/06/OO DUE DATE 12101/01 12101107 01101106 02/1)1109 03101109 041(l1108 O:\lll1106 05101106 ONO'IOS 06JOMl6 09lO11Il5 1G10UOe I 1IIlI I(lS 121(l1ro11 TfW'ISACTION AMOUNT lJ8,24 145.15 0.00 1~6.z4 13124 131,24 14l5.15 131l.24 IJ8.2' 13U4 13a.24 136.24 i38.24 138.24 INTEREST PRINCIPAL PAID 20,15 0,00 20.2& 20,44 20.58 ESCROW! IMP {>.AID 0.00 0.00 0.00 0.00 0.00 0.00 LATE 0,00
O,Q~

PIliD

CHARGE

CONSH!Al

OPT·INS

UNAPPUEO
FUNDS 0.00 1~5.15 ·145.15 0.00

AP

liP liP AP

AP AP

AP liP A" AP AP

Oill6l0B Oil/1mB 10/19108 1111DillS' I2I1511l6

om.ro~

111.81 117.36 117.21 111.00 116.91 116.1~ 116,61 l1MS 115,30

III.sa

\18.0~ 0,00 )H.9~ 117.60

21.94

21,19

20.S6 21.03 21.IB 21.33 .1.48 21.63

2Q.7J

6.~1 0,1ll) 0.00
Q,QO

0.00 0.00
0"00

0.00

".$1 '0.00
0,00 0.00

0.1ll) 000
0"00 0.00

o.on

0.00 0.00

0.00 0.00 0.00 0.00

a,oo
0,00

0.00

0,1ll)
O.llQ

0.00

0.00 0.00

0.00 0,00 0.00

0.00 0,00 0.00 0.00 0.00
0.00

OW 0.00

0.00

o.oo

un ARM JOOLD A P .. Rt.iulu MClnBi'!go hymen. AS ~ Asmmption CA • Construcuoe Adj1l!lm"oL CD - CO¥l,:5l(udiorl Disbl)n:em~Dt CO - Oinya.VCT rRwrenDed'lJLll;l1l~ in Fuh.ll'tl, Tu. Y(!.l!ni Cp. CtllpTt.iJHzalion offl:ltl:lro~ CR· COl"lsln.lctIol] Rtleeip' CIU.lCltP· Cum.~htle[11 ]Oversal Posted AdtclI'luLt.ieally C1UC"!'A/CWA/CWV· AddiliolUll p!ymenllo lJ.riru::il"al eM· Rcven!Q,Addilicoal Peyme 11 1 10 frill'C-Lrl!ll CO .. Pil.ymonl Mad~ from &.ernw

AMC ~ Can!ractua:1 ClIao8t-

AA - Adm(ni"rJl1IVe

.t\dj~i'lmc1'l1
[0

Rate, TtnJI. or I)IIY mem

E!lEIUElFIBJS

.lnt.cre:fil en Eseruw Paid

Oi1

A!.:II.'U'unl

EOn· BOO • Bscrcw Rbru rid to MongiBor cIa· 829 ~ IllliUI:1mtt Pu:mium Paid 1::40 • £49 - Prival-c MOrfgaso;l In!illil1D~ Plid ESO· HSIJ ~ ~HA MIOl'fl:Sf18cJnsumncC' 11illid MO • H89· M;~eIl4nCOijS Pa.ymelll Miele from ElttiUW 890 ~ WI) - RC-.llil &ui.td, lM.(:,!j, r,fl;itl FB. Fe. Billed 10 MO"llJ'got Fe ~ Forecjosu re FE· Fe. r.id by MOIIll'"gor F~ - Feo PnYJTtC:;nlr~oiid "rhmugh AUIDP05,l fP ~ f'u P'~yMenl CoUct;te:d but nct Biller( FR • Reversal ofFec raid by Mon~gor FS/f'W ~ l'r;'lI'ct.!oMH't fW AlFWP - Collecrion ofBiUc.d Feo fWV - Pee Paymenl Ri;!'Ytned t.u Wll.iv~

OP. Qo"'Clnll11ent Sub:;idy Pay mem l..cw - Lo~ (.... <8. W'Nod MOO· M99- S.",. .. EtHl-l;Y~
PA ReglJl:B.£ M!trtg.agc PByme-D. PFIPFL ... PI:yaft' of MOr1gagl:: L.oan pp • I'artinl Pay .... ,
w

PRIPRUP Ill'IJ' fIN - P.yOl"" has boon Rovo,.,.,d RP - RcgulaI"Mort,gllgt; Payment fWO - R99· R.e.ijl<w Esomw BAln'e<
SRiSKAlSJUjSWA!~WP - Appllc ation '" Acceunt ~R8 • Buydcwillo Bal"I1IC": Adju:;tm.r;tr.l SV - Serviee Re.leue TC. CurtfLilmemlnvtrJving Prepaid £lrinor;::ip:!!Il Uf"- Un~pplitd F'UmLs Ul . Unooltct'tl:ld Uerns

UN. UnkllOwn

A.eCtf"~~r·

-r-t-r

D.

~, ...

_

...... ,.'"""""'_,

01 CORRECTED (if checked) • CiluU!Xi. rn~,amou.n! iJhOlM'l'
mDYnt;;lr

a
OMS No. 1546-0901

KEENE.NH 03431 '()746 800 -442 -1275

~, _. 0<""""
01 '()137770
.AEC1Pf.CNTS FlkSoralld'onlfblltlf1
IIC.

OJ'

!Xl1W,vdsVrJC~ Dr ~'QI"t,rhCillNn oIYJVJI'll mlilhe'00J'4Io1111"IIUiPC!l' rhtJ~~proptJf1y~«P¢:f. ~,}IOO'fffiIf~~tlilr"crfO ilia ~m il Wa:JlnNmnJ poId l!!')<XI,

fOO_l..irn.!t..s

Mortgage

~@O9
57fl>f1lP OS8 1
P'-IIy.a:((IO}n:Ioj"llj~:!I'~ •
Rt~(.sD-!)

Interest. Statement Copy B

545 1)S .3544
1l"WERS_"'I_ .... ..,

1=:Z~:fe(/byLltKlthu

, , kdnn~ $
2

In!iDJNt

roc.oMJd

&om

P'\Y~A~'I!'~~SOl!~'"'''O'!!INI'!!!''G'Iln~~ Twilo A Wolf
44 p,ttonS! Ap' B

"'1, ' .. ,. . ."., ZIP "",.

Palnil paid ~:lMliiilCkl

M

pvtCtI .. e

Clf

prfi:lClJr.~f

111,/1,1,,1,11>111,/11,,11,11/1,,1,1,,111,1111,1,,1,1,,11,1,11
0.00

8""60r ME O<! qO1-6<26

$
:'FllflllIn.oO'lO..wirpll;'ldlnlDfll%iltSIKlUI)X::IoQrl~}

(Inn nnn

s s
~fl'l

; MOi:IV,ifgu1nIlVi'OI'IC'iJ

P,el"l'1lfIn!l

5000067881
001'11)11( ~15'00


PRINCIPAL
IllmtN~loNG B~U.NC!:: AMOUNT

lnEiirudIoruL,~

'3. W '" b.-nportelkl'O~molbllmd Q ~ fl"lm}litl!ltcJ ~o 11'1, lnIOIhIll ~ Sorw:o_ it:fQ1J IU'ur1KjIJl'ed1FJoIr.IiiIII: fl'lwrn.. ill fI;~Qqooo pIIl'J.1!IlIy or ~hi;I(_~~ n"llrf bill 'khpii-J~ ~ygl.l iI 0,8 iflS.~.n'rdrlll'lI "':tlll.f1\1l"1dt1fJl~nlattIiX lHUIla btK:!L1JQ yov (Wi}ftItJill~ II d,)duczmn tw .fh1:I mortOIl'Ol!i ~rlJtU!;Ii 'lor Ut&11D~"0t tNCliIILllllliI )'OIiI dLd' "0'110:1"011 i1LIi4 rtNLLI1d-g1 ~S;LOA v«Jr l(I~um_

~~::!!y:~~ \_ z,

I
16281.23 112.10 0.00

UNAPPlIE.D
,t:lBilNnlN'il BAlANCli A:MOUN'r

I
0.00 0.00 0.00

t.~~~
AMOUNT

ESCROW
C.,CtD 0.00
0,00

I

~~~%~~Q

6UYDOWN ACCOUNT BALANCE

o.~o
0.00
0.00

PAID

PMO

Dj:5S:URSEMENTS Ap,JUSTM£NTS

PAID
AMOUNT DISBURSED e;SCFI_OW INreFlEGT

INTEREST SHORTAGE "ODED TO PRINCIPAl AMOUl'llT O!ISEJUASEO ENDING F)ALANCe

AMOUNT DJs.vASeO

0.00
16119.13

0.00

INTEREST PAID
GROSS INTEREST PAlO Pl.US PPEPI!.IC 'NT, NCT AI.L.O"NeO PHloR vE:A,AS L.EsS INiT£FlEst SUBSiOY U~IJ't'DOWNI l.US INTERES Y SHOIITA"" L.ESS P'FlEpNO INTEIlEST ","lOT AU.OWED THIS YR, :PLUS lNTERE1H SHOHTA:I3E p;lA~O L...AlECHARtlES PAlO

hNTEREST SHBRTAGE UNPAID BALANCE/
$79.10 0.00

ESCROW DISBURSEMENTS
,REAL ESTATE TAX'ESI»SBURSEO

I

0.00

OTHER ITEMS

11.00

0,00 0.110
0,00
JNSURll.NCE.

OM
UFl:-"NO'OR OISAElIUW

13.SZ

U.oO
0,00 0.00
LESS IP,i'JERES .... SHOHTAfJ:E: PREPAID

0.00

o..o~

0.00 ~.10
0.00 0.1)(1

0.00

MJPIPMI

0.00

PAIP

NET lNTEltE!a

UOFn'GAGE PClINTS PArD RJ.::FUffOOF OVE.Hf'A.lO INTEFIEST

0.00 0.00

PAYMENT CALCULATION
PFlINclpA.1, .,

IHTEAEST

ESCROWI rMPO~O

MISCEL.f..Ai4EOUS

TOT~l
PAYMENT

13a.2:4

0.00

0.00

0.00

0.00

0.00

136.241

SEE BACK SIDE FOR IMPORTANT INFORMATION

Account

Number:

5000067681

Our records show your Social Security Number or Tax 10 Number as; 545 1)S -3544 If this InformaUon I. correct. NO response Is necessary, II the number shown Is InoorreCl or Ir no number 15 showing, Ple&S1I1omplete the reverse side of this form, detach and mell to: c TO BANK PO BOX 746 KEENE,NH 03431 -0746

Please contact our customer service department regarding this statement,

at 1 .aOO-442 -1275 shOUld you have questions from you In

The amount reported In Box 5 re" ...."9nts mortg"IIB Insurance premiums received ~c08 bul IIppllc.able 10 pariod$ 3fter 2008.l'leas .. consult your tn advisor.

CB~?g~~?Q

8;J 0",
m
0."

g':1:?
ID

0,,"

a~~<>_t!
~CQ~~~ .0010;:;;:100

~~~~~~ "' ... ~~~~~~
§§~~~~
iii iii
~o

>0 ... ",

~t;> '5:"'::;;
0-,-

" '"'Qm =
m(l)9.

~ ~ ~
1 i

~ 5:0.
00

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l

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o~

>0> ~:.

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,

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fII.Ini'DSI

. c.utloru~ ,pmot)lM'r
~.
I'rli!!Y

oIihoWIi

TD BANK PO BOX 746 KEENE.NH 03431

-0746

BOO -442 ·1275

tmaUfll Md fIw IHJd ~Iihh!i 01 ,;ro.J~~(M'I.up~. 'AJ~.fWmGfont.r~r 1fItM~_t.tI' rJlIlG'.fI'~,n I"I"D.:I ixu.rntd til;' you. dC1r.II!.O't pRJ ill')' ~QUI nnd,1Oi RIAnt;o~ lit O/IO(har

r..or DCI Miy dod'r.IeW,!rlG- 0>, "-link br.U«II on th,loan

(}Me No, j M5·0\l01

001:,

~@10
Fonn

1098

Mortgage Interest Statement Copy B

~ .....
"

~o&l6'nlll'iIUO'Io'"
S66.45

Idotlgil{llOlnlmull~rrompil~'J!t«rOW:BJrl!!l}'

s
PAY E!R'S'BORROW-E,1tS

Ilfrmu,~r~ 00002850.

lukJi9!111i ~lnc\Id~

E1pl. Q,l, C:1t>", QMu,.nd n

ZIPc:odo

2.

am- ,a Q(l bar;l!)

pal_n11i pald on

I1Ifn;hll~

(l11<iMc1pa1li!1~

(Soill'

t2~!.!r!~"",,, I,.,
otnel &ancllol1 bo 4mpoMd 00 fD'U U ItN kA8 titttrrnll1t!!f, \tJ4l11111~mlUnaolr~'[ ~~ bt!aIJ;!iO :fi!IU 1WCIr.II1a.1lf.j III g:edUl:lilIo" 1o. ~I.I mmtg:a~ 11'118,.,1 or fa- IbuSl) QOIriI$ 0/

TWILAAWOLF "" PATTEN >T APTS BANGOR Mn (14401·6226

• OUb.a

D,"HD2-0'lh,

LD

S
3 AH.lOOd 01(WCItpild inlO-l&lr (S"

0.00
SOl: 3 00 W~,)

:~.G;~~Op~~~Df "'7.

:J.Ol"ld"II~II.oJl:InIo;~ rllilltignWtl~~lG I,h:D Ifln~m~ HOO't:lrlU(1I ScrMtilil,

$ .... '.11.,1.,1111111111111111 •• 11
4 I\oIiDll1I8' ,.,~Llr.l.nea

0,00
ran::

1111•• 1111111111'11111 •••• ".,"

s
Re'ClfIENT'S FDdoru]

1#1"1' 0,00

k:I«AiI!CQOIWI t.ro,

5

O.UU

01 -0137770

1 PA.Var5

=rC!~I:=~Il'~':.'

545 -06 ·3544

~

IN'ClJl1fyl'!UTlbtll

PRINCIPAL
16169.13
AMOUNr

I
187.84 0.00 0,00 1sseU9
ENDING EIALAN'CE:
P,oUO

UNAPPLIED

I
0.00 ~.~~~
AMotJI'IIT PAID AMC)Jr{["

ESCRDW
O.ot)

I
0,00 0.00 0.00

"NO
I i'ltTEAE8T SHCflT';"ClE AOOElO To P.AWClPAl A"""'N'T OlSElURSi;:O

.""""'"

AU()IJrrfT CIS:BUA.'SED

0.00
0.00

=~~~e
OI5:aU~SEMErfTS ADJUSTMENTS

BUVDOWN ACCOUNT BALANCE
0.00

O.C/O 0.00 0.00

lN1'lmEST

OISilCl1~1'D ESCAOW

ENDlltfG

BALANCI:

INTEREST PAID
PLUS PREpAl0 INT. NOT ALLOWED PRIQA 'r1EAA$ L,ESS IHTER5S T

hNTEREST SHORTAGE UNPAID IIALM.lCEJ
91S.0U 0.00 0.00 0.00
~O£D INTEReS:r 9iOf{1AQE

ESCROW DISBURSEMENTS
REAL ESTATE 'fA,X:ES CItS'BURSfD

".,0

I

OTHER ITEMS

t;;"ROS$ INl'EA£Sl

0.00

0.00 0.00
LATE CHARGeS DUE BUr Ll,t(pA,ID

SUElSIDV (8U'/OOWNI
I.EiS:Ii: IN rERESl SHOJlTAOE

0,00 0,00 0,00

13.82

U::SS PR.EP-'lID JNrEAfSl N01 AlLOwBl TH.S YR, PWS Itfre~:n SHOfO'A,r;)1l: PAlO LATE £MIHiEs PAlO HEf' INTEREST PAID MDRTQI\Q.£i pOINTS PAlD

0,00
0,00 49.37
ENDING
IJAt.,A.NCe

L.IFE AH~'OA I»$A.8IUTy

0.00

MIPJPMII

0.00

966,45
0.00
6SCRO\".'

Flill'UNOOF ove:FlfJAIO ItH£REST

0.00
E1;C"","" iMPOUND CAEOIT INSORA~E

Ali""'"

0,00

"'SGE!.lANEOUS

0,00
MIScEl.I.AN'S:Ous: lOTAl

PAYMENT CALe.ULATION
PRlNC1PN. INTEReST ~

RE •• FlVE

REPLACEMEm

PAYMENT

138.2:4

0,00

0.00

0.00

0.00

0.00

SEE BACI( SiDE FOR IMPORTANT INFORMATION

Accoun t Numba r: 5000067331 Our recorda show your Social Securily Numoer or Tax 10 Number as: 548 -Os -3544 It this informa.tion is correct, NO response is necessary. If the number sho\'4~ is Incorrect or It no number Is showing, Please complete tne reverse side ot IhJs term, detach end mall to: TO BANK POBOX 746 KEENE.NH 03431 -0746

Pleas" contact our customer regarding Ihls statem'lnl.

service department

at 1 -800 -442 ·1275 should you have quesnons

Instructions tor PayerfBo.
""""In~ oorporallDn) who Is .ng'II"~.iIl I,.du or Min .... n~, n Iho "out"" a I 01""'"' trans or bu,ln. ss, I ••• tvod lrom you ali aa '! $6OD or mo~9'9G inl.r •• l ('nc'uding con.'n polnlsl on ony """ rnMIl~g" In I~. calondarYOOI muslluml.h Ihis sialell1llfLl10you, II yoe nleBl'IJ8d tl1l$ Btalernon1 as d1ft pa'~"er ~ record cl'l iii thortgag:e. on Which
furnish uach ot 1"0 other bartower&. with In.formaUon A pen,on (lnoI-..Idlng a rtn~ nclal instltutitn
I,

u governmental

unit and a cooperative

Such a.mounts CBulton,

are de-.dutnibJe b)

.!IlIy I_nClHta.ln clrcumstBnC65.

"boot lila pro","' dl.l~bullo. ol.moonl. reported on lIlis 101m,eacl1 bom>wer Is emlUed 10 deduci only Itt •• mounl he or.1Ie pold ana palnls paid by Ihe saner
IhBI ropresan1 his Or her 5har'8 of the amounl ha .. IOinclude in Income. ,Mr.

IMre am cmer borrowera,

Uyouprepsldlnrer es lln20IO Illal accruBd(n (U~brJ.fIU.ry 15, 2011. mis _lJidlnr.m.rmoy~ 1",;1,,_", bOx I, HOWOrf8{, you aM"'" drJdurj l.hBj)fft!Nliti 6"",,",1 In 2010 • """ IhO<Jgh N ""'Y /:l81"","~od in """ I, If yO" holO a mMgago ~,a,jJI ~~Inoal. and can (.iarm 1110mMQ"ge Intere'l CIlldil" _ Ferm B3!l1;, 111M I,,'"'os' was pall! on • tr",~gaga, homa oqlflly, lin" 01 c,edit or-t.adil eardlean seCU!e" by YOUI p.rsQnal 'psld"nce, you may b" .ubj.ClIO • d.~",,'io" limitation,

borrow., may II YQur mortgage paym enl. we," .ubsldl •• d by a govommonl "ganey, yOl! may not tIo abkllo !ledllCllh<> arnouet "llhe """"i<!y, Se. Iho i~ln.rclion. r... Form 1040, Schedule A. C. or ~ 10< """ 1\1lepM I~e m<>rtgall"1m.",,\. Aoro,
IOf mol. rnrotmallon, sa. Pub,
Qo;l6

311owElttt6 as a dEtduCl:1on, Each 01 OIly omcunt '"ported In boo 3,

B". ~. Nor on POi"1S at. "'portable 10 you_ eo. 2 .hows poinlS you or the seuer PliO<!IhIs yoar for Ih. 01 your prinCipal r•• id.nco oro required 10 tIo (epor(oci'lo you, Gen.roPy, lh.... porols .ra fully dl)duCli~1e In Ihe yeo, paid, 1M you musl.ubl,acl $eiar-pald pelms !rOlTt Iho basi. 01 you, resldanc e. 01her polnls nol ,"por'IlHIln Box 2 moy .lao!HI dod"ellblo, S •• Pub, 936 te IIgu," tho amount you can deduct

P""'''''''

til,,,

anc Pub, 535,

P~V-ar":!IIB[),rowDr'8IdenU1lca1ton number. Fer YOljr pmtecl1on, Illis ierm may .~crwQn1ytne la'lrO~(dI1JlISol your SSN, fTlN, orATIN, Howe.or, Ih. "'.u.rho. reportea your complaleldon1;licatiPl\ numbe, 10 I.Ile IRS and, wher. "I'Plic.b!e, to ~n<llo, Inc31governmenls. Account number. May show an ac~unf or a.har unlqua number the Icndf!'.r nas a&6J~l'1o:d tD dlstlngui.s;h your accou ru.

I;IOlI 3, '00 not oed ""'Ihl, amount III. " retund (or ","elil) leI ""orpaymo n'($) 01 ""01 •• ' you mad<! In a pliaf 1",,'01 yellm,lI you ~.mlzad dodu,'lon, 1I'I1Il& y""'10) you pald,lno InIet.SI. you may have 10 i"ol'oo" pan or 911ollhe bOx 30 moonl on lho -Olherlncome' I... ol your 21)10 Form 1040, No "d!uSlment 10 you, prio, yea,(.) la' r.,'um(s) is na"""sary, Formo,e FlecoVBrlss', P~b, 525, Informallon, sse Pub" 936 ."d ItomizOO D8dtJCIion

".'e

11<>.1, $_

Ihe mortga.99 rocei'led during Ihe y .. r, This amoun.1 IrtClu!le.ln,.re.1 on any obli9.~on secured! by ... 1 p,operty, iMludinll • hom. eqully. lin. 01 crud II, or oredll card 10"", This amount OOBS nol Include poi"l'. go-,r9mmant subsidy. poymenfs. or SiJr1Br payments on a ~uy.odoWr1~ mongag&.

1"'"."

premiums Which mBy qU81ily 10 be I",at.d •• $".11\. Sclledul. A (Form 1040) 10","01","5, '""'P1.m may u,.lhl9 box 10 glv<! you Olh.f 1010'mollon. sucn as Iho aadJGS5of the pfOJ1'O rty I".at sacureS-lhe debl, r9al cetate t,tl:<(l.s~ or I!ISL.UarK.:li peld lrom escrow, 80>< 4, Showe mortgB9B I"."","oe dedLlCllble mortvagelnle""t. BOl 5, The Inler.sl

BI1098

I" 0'''''' 10' •• rll'y your ~educ'lon, lor mongall" Inl.'"91 paid "er!lng Iha calendar yeer, (he IRS I.qul",. IMI you furnish your .ocl.1 !Wcurily 0 r lII'paye, '"O~litlcatlon number ta,us, Failu'OIO p,o.iIl.lh" ;tlforma~oo can m.ult in a $50 penally by rho lAS, II yoo am an IndlVld<Jal,plea sa provlde us with you, :ICCl.I.eourlt~ numb.1 ,n Uhe .paoo Ifl<llc.led ".1<11'1, If you are a camp.ny or. corporarton, pleaso provide wllh you' I""paye' idVntifieaUon numllar (nN) wha,elndioaled below, DETACH AND MAIL THIS fOAM TO THE ADDAESS SHOWN ON THE FAONT OF THIS FOAM.

If.

BORROWER

______

-_.

'
SD'!;::lti.l S6ClJril", No,

OF!
TBJI!PBye( 1.0. {TtN:~ ND.

CO-BORROWER

---- --' -. ---' -------500'11'11 ·Socarr.'ityND,

OR
"rn:;paYlit LO. {TIN] No.

_

CERnFIC~,TION' Borrowsr

uncer Ihe

pOllanle. 01 pe'Jury, I eartlly IIlIIllha

inform.llon proyidlHl on this fo,m ls true, OOtreClsnd ncmplete. 00'''
signature

________________

00,80,,0'''''

_

slgna,ure

Ai\. - Adfliinisl.rI.tivI: Adjuftmcl\l AM.c • Coril!41.(,:'[Llill ChllCge 10 Rato, Term, or Payment ol]A.RM1,,~!] AP Rcgular MOf1gage Payment ..."S - Assu:mp5tOn t (~A· Cop,dnll::liDnAdj~SLmont CD. CODi>1ruct!otlo Di!!ihUmch'loCb1 CO· CiinyovcT 11lU::N:S'I. D,ducllbla jn Future TIDi. Years CP· Capit.i.tr.l.llIIUn ef'leterest CR· c.lJi~'fl.lc!ion Rr:Cr;li[lt CRUCRP - Cut1AilTi1fi_tll ReVI:-TSiJlliosted ALuomil.llI::.n.lly ~T/CTAlCwA_/Cwr. AddillaMI ,p;aymenl to Princip31 cn~.-Rcy~~ AdditioMl Pl\ymtnlltl Prim:i['tILJ ED - hymel'll! Made from Bsercw ElIEIUf~rrff:.lS· rl1.lr;I-e~L u:a E_'sa::-rowfnid iO:ID.AI;COU.lU
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<DQ • ElJ9 • &crow R.fvnd 10 Mol1J!agor EI0 £2.9. lJ:l,surant:o P~::oiu", PB,id £.40 - &19 - Privalo Mtu1g1g¢ lnSUtaQCQ P1.til E50 - F.59· F'HA Mmtgilg.c Insurance Paid EOO - E89 - Misccdtancou!I P:aymcnt Made fmm &cmw 1>90 - E!l9 • R •• I Csl>1!l T",., PAid FB ~ Fcc Dilled tQ Mort,8.4.3OI Fe ~FoTt'tID-iu:rr: FEi • Pee Paid by MQltg8g~, F"EA ~ reo }l.9:YJl'klf11 Posted TtI'RXlgh ." UU)POSI r-p ~ r-c:tJ P&ytnC:n! ColIC!;'tC'd out not Billed fR· R.c.~rntl of FoI'Jri:l Aid by MOl1gagilr P f'S!FW - F'OR'IIilIm.lI rc fWNr"WP - CQIlr.::'I,;'lIuu ClfDjJltd Fee fWV - Fl::oC' Pajlmc:nl Revessed or WFli .... ed
&

OP - Govcrmnonl Subshty PIl)'-mcnl .cw· Late Charge W.i"~ MOO· M99· S.mc es EOO. E99 PA - &::gtJ[&r MiJrtBI\BC PflrmOD)

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PF/PfL- V.yoffofMOdg.gcLoan

Pania I PBymcDl PRJPRUPRPIPR.N . Payment blls been Rovcrsr:d RP ~ Rf:gul1lr Mnr1g,a8'1!1~)'tMnt ROa ~ R99 - Receipt to Bserow Illlll.nt~ SRiSRAJSRUSWAtSWP. Applklt'ion tc ","ct!lIl1:l SRB Buydow.n B.aJanoo AdjLl~lmClllt SV ~ Service Rcle 1IIi:5Q1 TC . CUr18ilrntml Invol v i.n,g Prt:p"'id Pno..t.:!p.B.1 Uf· Un'ppliod ,uncl& Uf • U co.u,ccr.cd I(ern:; UN • U icnowJ[o
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