bansc-re-2010-187-exhibits for defendants objection to motion to lifting of stay and final summary...

8/2/2019 BANSC-RE-2010-187-Exhibits For Defendants Objection to Motion to Lifting of Stay and Final Summary Judgment

1/113

DEFENDANTSEXHIBIT

A


2/113

10111213141516171819202122

242526272829303132

89

123

567

P E f l J O B S C O T J ',:JE N OBSCO T CO ! : J D 1 C I , ' . L CENTERB A NG~ D U N I Y ~UPER IO I~ CO l IF ';" Uk. DISTRICT COUR T "

Twila A. \"olf Pro se. &Charlton A. Butler Jr. Pro se.44 Patten St.Bangor Me, 04401(207)[email protected] OF MAINEPENOBSCOT,

SUPERIOR COURTCIVIL ACTIONDOCKET NUMBER BANSC-RE-2010-00187

TD BANK N.A. F/K/A FIRST MASSACHUSETTS

DEFENDANT'S: : { t B l lBANK,Plaintiff, IN REGARDS TO HEARING

VS.

TWILA A. WOLF AND Ca~LTON A. BUTLER JR,Defendant & Defendant-Intervenor

IN REGARDS TO HEARING SCHEDULED JANUARY 30, 2012

Please be advised that the above referenced case, BANSC-RE-2010-00187, is currentlyunder appeal in the Federal Appeals Court for the First District [Case No. 11-2364], as submitted in the form of a notice of appeal to the District court at thetime of filing with the Federal Appellate Court.

Therefore Defendants, in this matter, will not be available at that time; as nodecision has been entered, as of yet. If there is something that Defendants aremissing about this; that the rule book didn't make clear enough, please advise, sowe can most riky tik, (Vietnamese for very quickly), respond to the courtsrequest (s) / requirement (s). Note: A favorable decision, as is expected, in thismatter for Defendants, makes obsolete this case in the State Court.

Respectfully Submitted this January 20th 2012,!7 , / 1f J i 1It' 6 /jC " 1 i -,) I . r i " 4 / ~I { ) j ;1 / , hl0 V I~L-.-----o ~114l1ailabi ity0 De~~nts for hearing scheduled~&~e currently before the Federal Appeals Court

Charlton A. Butler Jr.Defendant-Intervenor/Appellant

January so= 2012Pg-l of 1


3/113

DEFENDANTSEXHIBIT

B


4/113

PH llIPCHU NrJO HN S. UrrON

P!:GG Y L ~'c GEH EEI1El1S S A H A NLEY MUR PHY

IOHN A HOBSON1;"1ES N . KA I S~\HCASTIMOTHY P BENOIT

) GO I\DON SG \NN ElL litfHE D W . BOp e II Il lAR K P. SN OW

wtLL lAM) SH EILSDAVID B . McCONNELL

HO?!' CREA L ~\COBSE NRA NDY). CRESW ELL

IU llANNE C RA YDi\WN M. HARMON

CHRI STO PHE R M . D,\RG IEANTHOf'1Y J . MANHARTSTE PHAN lE A WILL IAM S

PE TER j . Mc OONEL LKE ITH) DUNLA P'iARA N . MOP !'lNIEfFREY A. CO HENSHAWN K. LEYD EN

OF CO UNSELTHOi'"1AS SCHUL TEN

O 'vV EN ' " ' v WELL SOOUGIAS 5 C ARR

jOHI'J A ORAlOO19562010

PERKINSITHOMPSON,o"rrORNEYS & COUNSElORS AT LAw

November 30, 2010

ES T,'B llSHED 1871

ONE CANAL PLAZAPO BOX 426PORTLAND ME 04 I 12

TEL 207.774.2635FAX 207.871.8026

www.perldnsthornpson.com

Penny H. Reckards, ClerkPenobscot County Superior CourtAtten: Civil Clerk for Real Estate Matters78 Exchange Street, Suite 350Bangor, ME 04401Re: TO Bank, N.A. v. Twila A. Wolf, et al.Civil Action Docket No. RE-I0-187

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

SAW/capEnclosurescc: Twila A. WolfPam Dubois, Bangor City ClerkEmma Foster, Legal Documents Specialist (LVNV)Tara St. Onge (via email)This communication is from a debt collector. This is an attempt to collect a debt.Any information obtained will be used for that purpose.[f you are in bankruptcy or have received a discharge of this debt in bankruptcy,this is not an attempt to collect a debt.


5/113

DEFENDANTSEXHIBIT

c


6/113

PHIUPC HUNTIO HN S. UPTO N

PEGG Y L McGE HEEMEUSSA HA NlEY MURPH Y

IOHNAHOIlSONJAM ES N. KA TSIAACASTIM OTHY P.BENOI T

J . GO RDO N SCANNELL IRFR ED W. BO P? IIIMARK P . SNOW

'MW AM I. SHE R.SDA VID B . McCONNEL LPA Ul D. I'IE TR OP AOU

HOP E CRE AL JACO BSENRA NDY J CR ESW ELL

JUl IANNE C RA YDA WN M. HAKM ON

CHIIJSTO PHEIl M. DARGIEANT HONY I. MANH ARTSTEPHANIE A Vv lWAMS

PET ER J. Mc DON ELLKEITH J . DUNLAPSARAN MO PPINIH FI lJEYA CO HE NSH AWN K . LEYDEN

OF COUNSELTHOMAS SC HULTE N

OW< N W. WELLSDO UG lAS S. CARR

JOHN A ORAL DO1056 1010

PERKINSI'THOMPSON ATTORNEYS & COUNSELORS AT LAw

ESTABLISHED i a z .ONE CANAL PLAZA

PO BOX 426PORTLAND ME 041 12TEL 207.77-1.2635

FAX 207.871.8026October 5, 2010 www.perldnsthompson.comPenny H. Reckards, ClerkPenobscot County Superior CourtAtten: Civil Clerk for Real Estate Matters78 Exchange Street, Suite 350Bangor, ME 04401

DEFENDANTSEXHIBIT

Re: TD Bank, N.A. v. Twila A. Wolf, et a1.Civil Action Docket No. RE-IO-187

Dear Ms. Reckards:Enclosed for filing in the above-referenced matterplease find the returns of service onDefendant, Twila Wolf, Party-In-Interest City of Bangor, and Party-In-Interest LVNVFunding, LLC.Thank you for your assistance.Very truly yours,i:.

I s r . ~ l ' : ; ' i eA. WilliamsBar#10012SAW/ewEnclosures (all w/enc.)cc: Twila A. Wolf

Pam Dubois, Bangor City ClerkEmma Foster, Legal Documents Specialist (LVNV)Tara St. Onge (via email)

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


7/113

DEFENDANTSEXHIBIT

D


8/113

t STATE OF MAINE . . ~ . f - - - e - IU~.JDISTRICT COURTLocation _Docket No. _

,SUPERIOR COURTPENOBSCOT________ .ss.Docket No. RElO-187

..,;;TD,:;...,..:BANK:::::,=~'...:N:..:..;.;..;,A:..::.-w(::;/....;:k/.:!.....::a~F::..::i;:=r'-"'s..::.t_~PlaintiffMassachusetts Batik, N.A.)v.MIA A. WOLF, et als

Serve: LVNVFunding, US~ONSr- ~

DEFENDANTSEXHIBIT-Defendant

15 South Main Street, Suite 600 AddressGreenville, South CarolinaThe Plaintiff has begun a lawsuit against you in the ~ (Superior) Court, whichholds sessions at (street addressy8 Exchange Street, Suite 350 ,in the.!'JTown/City of Bangor ,County of Penobscot ,Maine.If you wish to oppose this lawsuit, you or your attorney MUST PREPARE AND SERVE AWRITTEN ANSWER to the attached Complaint WITHIN 20 DAYS from the day this ..- i-> ~.Summons was served upon you. You or your attorney must serve your Answer, by d@vering~a;::,copy of it in person or by mail to the Plaintiff's attorney, or the Plaintiff, whose name ~ addies~;:'

appear below. You or your attorney must also file the original of your Answer with thRourFb:t ~mailing it to the following address: Clerk of (~ (Superior) Court, ~ .:~!;~~.78 Exchange St., Suite 350 Bangor, Maine 0~02 - : : = . ; _ ~ .(MailingAddress) (Town,City) (zfp)before, or within a reasonable time after, it is served. . = =

.'-J

IMPORTANT WARNINGIF YOU FAIL TO SERVE AN ANSWER WITHIN THE TIME STATED ABOVE, OR IF,AFTER YOU ANSWER, YOU FAIL TO APPEAR AT ANY TIME THE COURTNOTIFIES YOU TO DO SO, A JUDGMENT BY DEFAULT MAY BE ENTEREDAGAINST YOU IN YOUR ABSENCE FOR THE MONEY DAMAGES OR OTHERRELIEF DEMANDED IN THE COMPLAINT. IF THIS OCCURS, YOUR EMPLOYERMAY BE ORDERED TO PAY PART OF YOUR WAGES TO THE PLAINTIFF ORYOUR PERSONAL PROPERTY, INCLUDING BANK ACCOUNTS AND YOUR REALESTATE MAY BE TAKEN TO SATISFY THE JUDGMENT. IF YOU INTEND TOOPPOSE THIS LAWSUIT, DO NOT FAIL TO ANSWER WITHIN THE REQUIREDTIME. .

If you believe the plaintiff is not entitled to all or part of the claim set forth in theComplaint or if you believe you have a claim of your own against the Plaintiff, you should talk toa lawyer. If you feel you cannot afford to pay a fee to a lawyer, you may ask the clerk of courtfor information as to places where you may seek legal assistance.Date: September 21, 2010 J~ :l:!~~~t.,7 Clerk jStephanie A. Williams, Esq.~--(Attorney for) PlaintiffOne Canal Plaza, P.O. Box 426 AddressPort1and~ Maine 04112-0426(207) 774-2635 Telephone

CV-030 Rev, 09/97


9/113

t'~GG'!:. J - : .GliIH

}OHr"l r;HOB:iON

1Ii"IOI !-IY r - ceNC! rJ . GOHOeN 5G\t'~NB.l. J "-

U::'Vit)B. r-!.,:,):"J!\.IfJ.I

0A'A'N 1'1 /-I.>\Rr-10N

OF COUNSELHiQr-jt\$ SCI IUt.TEN

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

~l'lJn\73So I;

December 2, 2011

Twila A. WolfCharlton Allen Butler, Jr.44 Patten Street, #2Bangor ME 04401Paul S. NicklasCity of BangorLegal Department73 Harlow StreetBangor ME 0440 I

PERKINS

DEFE ND A N T SE XHIBIT

RE: TD Bank v. Wolf; U.S.C.A. First Circuit No. 11-2364

Dear Ms. Wolf and Messrs. Butler and Nicklas:

OMPSOATTORNEYS & COUNSELORS AT lAw

EST,\flL ISH ED 1871

ONE CANf,L PLAZAPO BOX 126

PORTLAND 11E 04112TEL 207.774.2635FAX 207.871.8026

Enclosed please find a copy of my Notice of Appearance in the above captioned matter.


10/113

PHILIPC HUNTJOHN S. UPTON

PEGGY L McGEHEEMElISSA HANLE Y M UR PH Y

JOHN A. HOBSONJAM ES N. KATSlAflCASTIM OTHY P. BE I,OiT

J. GORDON SCANNEll. JRFRED W. BO P? IIIMA RK P. SNOW

WILL IAM J. SHEILSDAV ID B. McCONNEL LPAU l D. PlETROPAOLI

HO PE C RE AL JACOBSENRANDY J. CRESWELL

JUL IANNE C RAYDAWN M. HARMON

CHRISTOPHER M. D ARG IEANTHONY J. ~1ANHARTSTEPHANIE A. WILLI AMS

PE TE R J. McDDNELLKErTH j . DUN LAPSA RA N. MO PPIN

JEFFREY A. COHE NSHAWN K. LEYDEN

OF COUNSELTHOMAS SCHUlTEN

OWEN W. WELLSDO UGL AS S . CA R lR

JOHN A. ClR ALDO19 56 - 2010

PERKINS "rHOMPSONArrORNEYS & COUNSELORS AT LAw

October 14,2011Twila A. Wolf and Charlton A. Butler, Jr.44 Patten Street #2Bangor, ME 04401 r DEFENDANTS

E X H IB IT---e: TD B ank, NA. v. Wall et al.Dear Ms. Wolf and Mr. Butler:

ESTAB LISHED 1871

ONE CANAL PLAZAPO BOX 426

PORTLAND f1E 04 J J 2TEL 207,774.2635FAX 207,871.8026

I

Enclosed please find TD Bank, N.A. andMaine State Housing Authority's Response toDefendant's Objections to Recommended Decision on Motion to Remand and Motionfor Costs and Attorney's Fee and Incorporated Memorandum of Law in the abovematter.

Sincerely,

,Lc{:Z"jL-~8 / ,l~(~ (J 'V1u/L(David B. McConnell ( r " c f 'YDBMIkmEnclosure


11/113

United States Court of AppealsFor the First CircuitNOTICE OF APPEARANCE

DE FENDAN TSE XHIB IT

No. 11-2364 Short Title: TD Bank v. WolfThe Clerk will enter my appearance as counsel on behalf of (please list names of all partiesrepresented, using additional sheeus) if necessary):TD Bank, N.:-'\.. ilk/a First Massachusetts Bank, N.A. and IYlaine State Housing Authority as the

[ ] uppellantts )[ ] petitionerts)

[v"] appeUee(s)] respondent(s)

[ ] amicus curiae[ ] intervenor( s)

/s/ D~~vidB. Mcf.onnell November 28, 2011Signature DateDavir.l B.Mct.onnellName

Firm Name (if applicable)One Canal Plaza, PO Box 426Address

Telephone Number(207) 774-2635erkins Thompson

(2 07) 871-80 26

Portland, ME 041 12Fax Numberdmcconnell(a?perkinsthompson.com

City, State, Zip CodeCourt of Appeals Bar Number: _6=-1= -7 .-=. 5_4 _

Email (required)

Has this case or any related case previously been on appeal?t/1 No t 1Yes Court of Appeals No. _

Attorneys for both appellant and appellee must m e a notice of appearance within 14 days of caseopening. New or additional counsel may enter an appearance outside the 14 day period; however, a notice ofappearance may not be filed after the appeJIee/respondent brief has been filed without leave of COUlt. 1st Cir.R. J 2.0( z).

Counsel must complete and tile this notice of appearance in order to tile pleadings in this court.Counsel not yet admitted to practice before this court must submit an application for admission with this form.1st Cir. :~.46.0(a)(2). Effective January 1,2010, use of the Case Management/Electronic Case files (CMJECF)system i ,; mandatory for all attomeys filing in this court. Counsel may register at http://pacer.Dsc.uScollrts.gov/.


12/113

STATE OFMAINECIVIL

TD BANKN.A.fjkja FIRSTMASSACHUSETIS BANK N.A.Plaintiff,

v..:Jo o :t~~ i! TWlLA A. BUTLER fjkja WOLF~ ~!: AND~ ~ . CHARLTONA.BUTLERJ R pro se\: Ee co-1 : . - - < @y: Defendant~ 0 '.c - .; t - 00 ._ - andU ....r--o ..U0M::s-"0 e .


13/113

DEFENDANTSEXHIBIT

E


14/113

DEFENDANTSEXHIBIT

F


15/113

DEFENDANTSEXHIBIT

G


16/113

DEFENDANTSEXHIBIT

H


17/113

DEFENDANTSEXHIBIT

1-1


18/113

DE FE N DAN T SE XHIB ITI-L-

~!. ".. "

\ ,,-,"{!

.{/ I ,,_.

:5i !fa)U r: I5 'IZ /~t& 'ir7 ' iD - } D - , tJ7 / Y ) 6 ? .. : : - ; - ; - . . ~C)~ f~J .iT ' ,\ )c)!? /v l.L2l. v : -:I~"fj?'I2.r:ll\.-j;;/j';" 1?fld7r/Y} Jt0ft~E"Y2~ s tO o l / r C f / - h~'2 Pf-:in'jJ'HHJ ')t:7,r l.6 ,VVi''t ) (-/9.1" c;7 -~;:-Q b7'hJ'6 f()/JJ,. ?c:/cJ gfJ ". G ri? < :'i4G toro7 :~. ..J

5.ie~V H i /lOo'r;:e:CJ"I'{) ) I-gXiS ")/ J))!~ Wc:~t~C{. f\}'Tl~ c;: . (r.\l~2--l-r1i~;/0 (?ti~~~(0:-:tJ...o'1< ,-z /'o i:) ,(j .' to.liJdil i/t'-;k~"i '7'i:}-!-'I ,C - C " F 'J . f . , uv: .~'lcH3'J-i F , rJ"E .. - C.SCdJfO .ltC C .JO i; .IO r ". ,N~-lcJci f-hfl '7i)'5 {UClld d YJ-;? {O/ H C fo [ @litlG! 0 .H: d / o i J r . / f .KJfOl-O i-c Jv l t P ' . 2 (,

': c : . $ ; i P - ) q (l::;{C~MJ"(jJ15 ] : . : n - f 'C : e .. , i J -:j d0'-' I . -; 0

. P ~. -tf..;:./Jj(/~~~:'[ijfr,.;:./')_'_ -4 ' .(SVb N '2 xi' ~Ji'{/~\Nlee ~~' -~~:k' .~ :~ .3J:t< . s-tqt'2 (V j- j /C f < .l~rf"c c(! J :J .. - ) " 6 -Sk :;/O/ ' It-" " :: ;- ~p6y.;1~Jt;-&, ~~' bO ~ \l!:>Of/pfl/KO,;o/fA--';?_:~ ;[0 'Dee J7 o..x.d ICj -ti'@LQ.Jt k ./fj "d rdiA &e ik-:;,O {;.Ax~J,flfff ~ y -ci!iQ 5 ,~p,:?1 &f~YD / J\ ) :J- fb p ); ~;c }I . : :> .H 2 ~ ~ ~ ~' ' '' - ~ . - : ::. J " 6\ cy J-1~t:".fr) ,3CI{: co -1e',-~7w " s1 'c re ;i ii\[,' 'J 0\. " ) - c,.)

J ; - - : ( r " ,1-- c2< .--c S ' "~,,) , ' 0.. :, ' f " " " , - -~"'fJ - 1 / !~6 )) )0 ~ - ~,i~~~--d -f; v~\L \,'ra:-P C f t - c < : , K ;~t 1 e .C f i~ rp;,cq/~'f__ U-Zii@J)A~-t?Cj ii9.:~,~,- 07,; -f~e j )&; Afr;b~/L5t at yaJ()..~co J )J ;/ri !5 7 );.T fc 5JI~{.J/ /J? c/tX)~ j~a))~ )):/JC~ n(.~b0b l.tlqi:;~,- 6ft? f:hMPd out tr f/1l;7 1 ndb;;- J ; J . : 2 ~ ~ 1~t-1::Stc.lc:.(7iJ2' r ; ? : c { ( { j ( x : } (.~tS" d U c i6 If (


19/113

DE FE N DANTSE XHIB ITI-L-

bl:.. -'~'-.'.. /. . . _ . . . . . . - . - " ; " . J ~ . ; _ . _-f/cS ~ /v 71lk 8'2 {l Y '/C S Ii: . -. ~ :;ia C (Y - ' ~~~

'. .J/P ,' ..J__' ., j -,.. \.J, . .

6i eJV (~/:tbvvr/ j 0 - / o- ()7lOa ? '\~(G ~ ' rif~/ht6 \ 1 f Z L dli1~st i ' J , t ~ - f t ftlf~,-{(~~j11rtuJt~ 1 VIS C t / t , c l 1 0 / 1 0 t . 'i . .' .~ .' I .'z :" : =r:: u r ~ IYro~f>j6) /~d *:~J,(-f~~~~J>(lL~d-tQ f Y b etOxo() f/.ti6 oVtJ~oc lID r / . - d - : z ~ ~ ~ ~A;~. 1 < f t .7L . (i - c -2< .~( "B ,~ . '> ' . ' '. ': . .i t&!e6 ) } ) /: . : 5 ~ - ~i'2~'2d o f ; ~\4)W C ' J i c : : < i : , ~ \ , 1IDrJ !i iP ::DI/"2'f- it. J!j'.f I1tf}K S~.cd iB~d..~"'(7)-f~e r)'(; 1J1YJ:o~)ut 01 ~1p.;)ad)o.J ))J~s ~D " ;!1zJ

-T & : . d~J!. ;)'0 )}~ l:.HC'~Q((..~1I\)-b l.\Jd.,~ 6ft;, ~~R'.d ()Uj tdrn7lode"- J 1 l ' 2 ~ '~ .G /~ 1 &alEk{"7ia ~f q 're d tqf!5'(J uc ie; C"=t'AJa)jetlnaJ err ifY )*

< }) t) ) jG (j \j

~ ~C1i(CL ~J}.l ~1JyJJD)yUy'~~/O.1-oZ-C)*


20/113

1-2

DEFENDANTSEXHIBIT


21/113

r=->J/

});hi J -/j -- & '2:c.~i-(.:) / 0 c D 5 - j [ ) i J 1 ' - - C q t . t : ; , / J [ V 1 1 1 '2 1 ' 1 ;/ !: :c " i fL; d' }cJJ 'f t U C i ' ~& JYi~tC rts~L,)yj ~t'~S' .t) /~U:)2' .70 3'7-: . 'B.l:iDt~' '1j';';-~"6/[~jJ;))-)1j 7;~' /6.' 1 { .. - : - d t, L i - - . L ))-nL~ C j P 'C ; Cu''t~V:,;t~c'n ' 1 - - . 2 , 0-d '{J :S h~V1J"E-/;pJvi,/~~; &'-/Cj-'-,;>fS:;r:l-!ic;/C' ;D77 ~J~ L;6O c)/lie:c7,/O ~ j i2 rdcj):Y) :? -1:?P & Jo :I 1O h Q b~ - .r c ; h i . r . r ] -j('j J : ; p tJZ j, ,{,i '.O02C .{ J - o /).f f f -

E'SG"'/c /JGC":j.I/c'/ Q/.i'..y:'/ J " 1 ! f t1:::;c~):~1;;!t!Ct.:,- ,i-Om)':"J..{/ bfili1~'ieJtJxJ 16J',) '"'-'C'_-d L) --, , ~.:J.L j :;ij >~.' ~ co i..;,~' "'~~g. d7 /J:,t:.(jC7'7/ '.' ~,. D-Z.JO?' 9'r&:/', It"oJ ----fct2 (ch. . ID/j/~ /Jfa2:.I.- fP :1j ifY i?J f;f 2t~;; ; a ; v . ; , 0? ---'i)li~ d"RJ.. P f:"0 - - f~ JItd YYJ!J. ? < ; r Y G ; ( / - /s ,6


22/113

1-3

DEFENDANTSEXHIBIT


23/113

.. J5

~i:t'd~i;-.-L d . , o < i ! ; > -' o "". J;f~i t l e r e i }J /C lP !J 7(/DC c( -Ie C }/?J'c j{ JC 0572:j'Q)- 1'0' rk'wV?J ~U~4Y\J(JZ!


24/113

.=

1-4

DEFENDANTSEXHIBIT


25/113

\ DEFENDANTS

1EXH IBITIH

61:/ .. % 8-& -cg' 4.6 j t J . . . , z . ( JDZlD/' ';/0 ) j1?.t ./ ) ;'-J J1hrf'L~i7Jf)f ~i)\j~q-8 ~ffrxJckl C J ) ; : r 5 f .J1c f'J jJ?/o z cJ 7-25 d ic e /? .::ii}9'5C) ~q~ tCbuJ'&d:::' - j-}I& ? !.fYZ, )'/1* .'6 ~~. - /'-c .u;;t ./:J D [7 -i~:cj) Iif > c J r . 1 : : J : . . . . 8:f;~jJ';"

. J - J c J c J jLbj-" ~eJ~ #C JJ "[:Xd ~e:e -F .~ :JSf.'fc ) 'c J ::.1 :rL.'/rJe/:: ; G~ C?~Gu.. j//) I2 o. c.Lrd.pc;i:jr;:=-c!'.-.. V - (I"/"1 tofts diiii;l5Z J I3f &rol.. / J IY J " ? ( i! . feci ~;iD C)" J t3' e.

J);:!Jp li2:ilf' 4ic/St/2'c(J Ci C r f - ' t J " cf c~' ~i C ' I \ J d:rfhi? q u r " " \ / tG - =.&""i;rJ t /S ife :L .J /E / ,! 'iF :s .i/ k ,.! L ,,~

?-- J rl, ,,- -~.;) '';-'''' -r- =f . I . fl--~f .....1 . \ L. 6 I j . t-J _ ,t:=/l..>.1b ~~~;~"t:'-1f2:--J CJ I_ .. ,\. I ru.,' ~, .:3 0 '6, tj/ZIP 'ljtl-


26/113

I

1-5

DEFENDANTSEXHIBIT


27/113

lEFEfJDANTS . 1.1XHIBIT ._7 ..; 1 - 5 : -____ iii, : : y : d J , , -? - oC;; ~ ~6 ' i f> II)

c~-J?/~{::iJ?&~ )D/1/i)r?cll'8/';)', 00 ~21wiil'/cY})17/J/}.i IC;~d- J.n;;3ufCflic-z Ix)).. c ;,t ;> c~1 ~/t-I'

71 a .~:~as?'J.-Z;.a:::ie8:ci'tx:'c'p : , / J l . . . ~d2Ci 10 - u7- < : . i: / DLt? D=lt'2: } l~:),) - 0 ;;7/ v J J A frr/~- J~ G:::o+c{ ~P?Jui71 ?/jQ61Yj 000; - t- i : :: ; 76~3,;70

. . j -..... .. ....~ .';"""):) ;-0:;)..ci-fM(~oO c1 f!'6~i0 f1c~l-vt?-b- C P I . C , ;? J I stc;ji;;.( ,)1\) / f V l c . ! '" 1 7 j f J(l< -r,~tj)'vjC.jijz} 8;C'V' 8 G:?ICItJ/~_ N:;/D-/-.e.~~Ie ;) }~~S- J ,- [) a .. J : ; , f


28/113


29/113

08 RENEWAL DECLARATIONRENEWAL OF POLICYH 0 M E 0 W N E R S POL ICY

~'~ r " ,


30/113

1-7

DEFENDANTSEXHIBIT


31/113

AGE 10F 1 PERSONAL INSURANCE Bill.~.\ Halnover~ Insurance Croup

INSURED08 36-0'7286

: :. : : . : M N . . . . . ' . n.. . . . Im a . . .a . :: . ~ . m . I .a . : . . . . .. . . . . . .C : .u; .~ .. e ; . . . .. :. .. .. : y : :: : : : : ii~P~~4~.:.n.t :~~~~\?{).: . . ~ ~ i j ~ ' . d b . : : : : : . . . . : : :' . < ' :< > :.> :. :. :.;. :.;.:. :.;.: .: .:


32/113

--- _'._,==--".,--= '=,- ._---\

i

DEFENDANTSEXHIBIT

1-8

------------- . -------~


33/113

300 PAGE 1 OF

08.~> 'H a nover~:'~) Insurance Croup .-~NOTICE OF CANCELLATION OR REFUSAL TO RENEW

CY NO HNP6263297 HOMEOWNERS POLICY 3607286ISSUED AT AUBURN ME 04212-0040CELLATION TO TAKE EFFECT AT 12:01 AM 12/13/07 DATE OF NOTICE 11/26/07IF WE DO NOT RECEIVE PAYMENT BEFORE THE CANCELLATION

DATE SHOWN ABOVE AT NOON, STANDARD TIME, THE ABOVEMENTIONED POLICY ISSUED TO THE NAMED INSURED IS CANCELLEDIN ACCORDANCE WITH THE TERMS AND CONDITIONS OF THE POLICY.

HEARING BEFORE INSURANCE SUPERINTENDENT - IF YOU WISHTO CONTEST THE REASON GIVEN FOR THIS CANCELLATIONYOU MAY REQUEST A HEARING BEFORE THE INSURANCE SUPER-INTENDENT BY WRITING TO THE INSURANCE SUPERINTENDENT,BUREAU OF INSURANCE, STATE HOUSE STATION NO. 34,AUGUSTA, ME 04333, WITHIN 30 DAYS OF THE RECEIPT OFDELIVERY OF THIS NOTICE OF CANCELLATION.P REM IU M ADJ US TM EN TAS THE PREMIUM DUE HAS NOT BEEN RECEIVED BY THISCOMPANY FOR THIS INSURANCE, THERE IS NONE TO BERETURNED. A BILL FOR THE EARNED PREMIUM, IF ANY,WILL FOLLOW.

HANOVER INSURANCE COMPANYLINCOLN STREETCESTER, MA 01653 (:C'".,~: t '\ ' " J\ ~,

HRH NORTHERN NEW ENGLANDPL HANOVER CSCPO BOX 40AUBURN ME 04212-0040 00000PHONE NUMBER: 1-866-281-7840

-' .r , : .-;~.E. ; ' . , , ~ .i , ) ~Customer S,-, , 127 DEFENDANTSEXHIBITIS

KEEP For Your Records ALL PAYMENTS ACCEPTED SUBJECT TO COLLECTIONDETACH AND MAIL WITH YOUR PAYMENT MADE PAYABLE TO: HANOVER INSURANCJ: COMPAN}'Agents Cade: 3607286

"" ' . I " "t " " " ~ " "' l i" " ' : ' ' ' ' ' ' ' l . ' ' ''' ' ~ i f' ''' '' 2 ' ' ''' . ~ -30

Amount Enclosed: $

TWILA WOLF44 PATTEN STREET APT.2BANGOR, ME 04401 1 I 1 " I 1 I 1 I I I I . I I I I . I I I I I I I I I I I 1 I U 1 I 1 ' I I I I 1 I 1 I I . , " 1 1 1 . 1 1 . 1THE HANOVER INSURANCE GROUPPO BOX 4031WOBURN. MA 01888-4031

18252762632970701087 071216000060600000060600111009


34/113

1-9

DEFENDANTSEXHIBIT


35/113

/ 7 { lJ I fit'< C '{/~Maine State Housing Authority " " , C D , ' ( ; ~ ( ~ _ ~ ~ , -c/o Graystcne Mortgage Corp. r, ~;" '< :: > ' ::) r \l 0 .. ~ - t l . 4 > " .142 North Road !) /S ...:j{'-.., '-S " ,Sudbury, Mil 01776 ~ ''I/{:,.._/ 7~ < .< : ~ ~~ ~ "'D ''tk''

~~ ~ , \ v - - , 0/.,........., V"",. v 0 (} .- . 'C :> k :: :> \.~- . " : J ? . 79 b,. ~~t6, ' .~."'''~1'fJO Z " J ~ . 629.53 15.67-FES 152.83 * 580.44 629.53 REAL ESTAT 629.53 REAL ESTAT 152.88 TLP 64.76-MA~ 152.83 * 172.53 305.66 107.77APP. 152.83 * 458.49 107.77MAY 152.83 " 611.::,2 107.77

dUN 152.83" 517.95 764.15 625.'12c1UL 152.83 '" 172. 11 916. SJ8 797 .83AUG 152.83 * 172.11 629.53 *REAL ESTAT 726.YJ REAL_.~~TAT 440.28 243.32SEP 152.83 * 176.23 /771f iLfc117 00/1\ 593.11 419.55OCT 152.83" , I 7 Ju. 745.94 419.55NOV 152.83" 344.22 575.00 *HAZARD 606.00 HOMEOWNERS \( 323.77 157.77DEC 152.83 '" 172'.11 I * ",-606.00. HOMEOWNERS 476.60 276.12-AlP.JAN 152.83 E. I . - r - ,\"J/.'16 629. 4~ /TOT 1833.96 2307.70 1~s'4.06 . 2568. 15 J .Q . --iQb .;'.:~-('-~~r;j'UNDER FEDERAL LAW, WHEN YOUR ACTUAL ESCROW BALANCE REACHES ITS LOWEST POINT, THAT BALANCE ISTARGETED NOT TO EXCEED 1/6TH OF THE ANNUAL ANTICIPATED DISBURSEMENTS OR $305.66. YOUR~OAN DOCUMENTS OR STATE LAW MAY SPECIFY A LOWER AMOUNT.UNDER YCUR MORTGAGE CONTRACT OR STATE OR FEDERAL LAW, YOUR TARGETED LOW POINT ESCROW BALANCE(TLP) WAS $152.83. YOUR ACTUAL LOW POINT ESCROW BALANCE (ALP) WAS $276.12-.BY COMPARING THE ANTICIPATED ESCROW TRANSACTIONS WITH THE ACTUAL TRANSACTIONS YOU CANDETERMINE WHERE A DIFF~RENCE MAY HAVE OCCURRED. AN ASTERISK (*) INDICATES A DIFFERENCEIN EITHER THE AMOUNT OR DATE OF OUR ANTICIPATED DISBURSEMENTS AND THE ACTUAL DISBURSEMENTS.THE lETTER E BESIDE AN AMOUNT INDICATES THAT THE PAYMENT OR DISBURSEMENT HAS NOT YETOCCURRED BUT IS ESTIMATED TO OCCUR AS SHOWN.


36/113

DEFENDANTSEXHIBIT

1-10


37/113

Maine State Hous t riq AuHlorityc/o Graystone Mortgage Corp.142 i\;ortr.oadSudbu~y. MA 01776

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

; . i

DE FE N DAN T SEXHIBITX-j{)-

558/P2 / 828n~ILA A \'}OLF44 PATTEN STREETBANGeR ME 04401

YOuR LOAN NUMBER: 0490022936DATE: 12/18/07

*** ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT - PRO ..JECTIONS *~,*THIS STATEMENT TELLS YOU OF ANY CHANGES IN YOUR MORTGAGE PAYMENT, ANY SURPLUS REFUNDS, ORANY SHORTAGE OR DEFICIENCY THAT YOU MUST PAY. IT ALSO SHOWS YOU THE ANTICIPATED ESCROWACTIVITY FOR YOUR ESCROW CYCLE BEGINNING FEBRUARY,2008 AND ENDING JANUARY,2C09.-- ------ -- ANTIC IPATED PAYMENTS FROM ESCROW - FEBRUARY , 2008 THROUGH .JANUARY, 2009 -.------.-HOMEo\~NERS INS 606.00REAL ESTATE TAX 1,453.24

TOTALPERIODIC PAYMENT TO ESCROW 2,059.24171.60 (1/12 OF "TOTAL FROM ESCROW")

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

171.60171.60171.60171 .6017" .60171.60171.60171.60171.60171.60171.60171.60

ESCROW ACTIVIlY - FEBRUARY, 2008 TH RO UG H .JANU ARY, 2009 -----------.-PA YMENTS -- -- ESCROW BALANCE COM PARISO NFR OM ESCROW DESCRIPTION ANTICIPATED REQUIREDACTUAL STARTING BALANCE ===> 104.01- 726.62726.62 REAL ESTATE TAX 659.03-ALP 171.60 RLP487.43- 3~3.2C315.83- 514.80144.23- 686.4027.37 858.00198.97 ~,029.60726.62 REAL ESTATE TAX 356.05- 474.58184.45- 646.1812.85- 817.78606.00 HOMEOWNERS INS 447.25- 383.38275.65- 554.98104.05- 726.58

------------ ANTIC IPATEDANTICIPATEDMONTH TO ESCROW

-- ------------ ----- DETERM INING THE SUFFIC IENCY OF YOUR ESCROW BALANCE -.------ ---------.-.--IF THE ANTICIPATED LOW POINT BALANCE (ALP) ISLEse; TH.M\! THi" REQIIIREO LO\'}POINT BALANCE (RLP).THEN YOU hAVE AN ESCROW SHORTAGE .... YOUR ESCROW SHO~TAGE IS .... 830.68----- --- ------------------ CALCULATIONS OF YOUR NEW PAYMENT AM OU NT ------ .------------------PRIN & INTEREST 135.89 *ESCROW PAYMENT 171.60SHORTAGE PYMT 69.21ROUNDING AMT 0.70-BORROWER PAYMENT STARTING WITH THE PAYMENT DUE 02/01/08 ==> 376.00

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


38/113

1-11

DEFENDANTSEXHIBIT


39/113

,.,/_ Ifi i , ,- L.

i~/

DEFENDANTSEXHIBITLlL-


40/113

DEFENDANTSEXHIBIT

1-12,/~--------,~


41/113

U GUHHt:G It:U (ITcnecxec)RECIPIENT'S/LENDER'S name, address, and lelephone number Caution: The amount shown OMB No. 15450901may not be fully deductible byGRAYSTONE SOLUTIONS, INC. you. Limits based on the loan Mortg142 NORTH ROAD, SUITE G amount and the cost and vetue ofthe secured property may apply. InteSUDBURY, MA 01776 Also. you may only deduct inter- S'~;07 Statemst to the extent it was incurred ,"/., I~..:JPhone: (877) 4020292 by you, actually paid by you,and not reimbursed by another Form 1098oerson.

1 Mortgag e interest received from payer(s)/borro\'ler(s) Copy BECIPIENT'S Federal idenlificalion no. I PAYER'S soc ial security number020441936 545083544 $ 1279.87 For PayerThe information in boxesPAYER'SIBORROWER'S name. street address (including apt. no.), city, state, and ZIP code 2 Points paid on purchase of principal residence (See 3, and 4 is important laxBox 2 on back) mahan and is being furni$ 0.00 the Internal Revenue SeIt you are required to file

Twila A Wolf 3 Refund of overpaid inlerest (See Box 3 on back.) return, a negligence pen44 Patten St otner sanction may be imBangor ME 044016226 $ 0.00 on you if Ihe IRS determinthat an underpaymenl ot4 Morlgage Insurance Premiums resu lts because you over$ a deduction for this mortg()()() interest or for these pointv.vv because you did not repoAccount number (see instructions) refund of interest on your

S 0490022936Form 1098 + 0170071000000028 09GB950918014 (Keep for your records.)

23914.97 0.00PR INC IPAL

BEGINNINGBALANCEAMOUNTPAIDINTEREST SHORTAGEADDED TO PRiNCIPALAMOUNTD!SBURSEDENDINGBALANCE

684.330.000.00

23230.64

UNAPPLIEDBEGINNINGBALANCEAMOUNTPAIDAMOUNTDISBURSED

0.000.00

Department of the Treasury- Internal Revenue Se

r ESCROWBEGINNINGBALANCEAMOUNTPAIDAMOUNTDISBURSEDESCROWINTEREST

---I BUYDOINN ACCO -UNT BALBEGINNING15.67 BALANCEDISBURSEMENTS

2301.542568.15

7.77ADJUSTMENTS

IN TE R ES T P AIDENDING ENDING ENDINGBALANCE 0.00 BALANCE 274.51 BALANCE 0

IIN TER EST SHORTAGE UNPAID BALANCE I ESCROW DISBUR SEME NTS I OTHER ITEMSGrSS INTEREST, 1239.13

PREPAID INT. NOT 0.00,JWED PRIOR YEARSLESS INTEREST 0.00UBSIDY (BUYDOWN)LESS INTEREST 0.00HORTAGELESS PREPAID INTEREST 0.00OT ALLOWED THIS YR.PLUS INTEREST

0.00HORTAGE PAIDLATE CHARGES 40.74PAIDNET INTEREST 1279.87AID.10f)T!?...!: P01f1.fTS 0,00AIDEFUND OFERPAID INTEREST 0.00

BEGINNINGBALANCE 0.00ADDED INTEREST 0.00HORTAGELESS INTEREST 0.00HORTAGE PREPAID

ENDING 0.00BALANCE

REAL ESTATETAXES DISBURSED 1356.15INSURANCE LATE CHARGESDUE BUT UNPAID212.00 0

LIFE AND/ORDISABILITY 0

MIP/PMI 0.00ESCROWnt:" "; ,. L ,. . O.Ou

0.00ISCELLANEOUS

RINCIPAL +NTEREST

ESCROWIIMPOUND

135.89 172.11

0336 Rev 1 01107

CREDITINSURANCE

SERVICECHARGE

PAYMENT CAL CULATIONTOTALPAYMENT

REPLACEMENTRESERVE

MISCE LLANEOUS

0.00 0.00 0.00SEE BAC I( S IDE FO R IMPO RT AN T IN FO RMAT IO N 308.00.00

DEFENDANTSEXHIBITII;)..


42/113

1-13

DEFENDANTSEXHIBIT


43/113

+ 0170071 000000028 09GB950918014

Twila A Wolf44 Patten StBangor ME 04401-6226'-TRN POST DUECODE DATE DATEFB 01/08/07 10/01/06FB 02/01/07 10/01/06PA 02/16/07 11/01/06FWP 02/16/07 11/01/06FWP 02/16/07 11/01/06PA 02/16/07 12/01/06PA 02/16/07 01/01/07PA 02/16/07 02/01/07E90 02/23/07 02/01/07AP 03/12/07 03/01/07EI 03/30/07 03/01/07FB 06/01/07 03/01/07FP 06/04/07 03/01/07PA 06/04/07 04/01/07PA 06/04/07 05/01/07PA 06/04/07 06/01/07SR 06/04/07 06/01/07FE 06/04107 06/01/07SR 06/04/07 06/01/07EI 06/29/07 06/01/07AP 07/09/07 07/01/07CWA 07/09/07 07/01/07AP 08/08/07 08/01/07E90 08/29/07 08/01/07AP 09/13/07 09/01/07EI 09/28/07 09/01/07PA 11/13/07 10/01/07PA 11/13/07 11/01/07E20 11/15/07 11/01/07-:-rro 12/10/07 11/01/07-m>- 12/11/07 12/01/07FP 12/11/07 12/01/07EI . 12/31/07 12/01/07

'----,, -- 4=-~ .:tn-::.~~l4.c\j"" 1lJe.Z!~'---- "- f ! : 9 . : t F() t5J9tn?, .1.f!4CJ)~igzoo1 :; Z . c e J!~co~,E'O

1-c(6Ji...&-iba.- .i&6 -0/E - o - t I

: :. i 2 . _ (::d J I~Or B , . . )'0, .


44/113

DEFENDANTSEXHIBIT

1-14


45/113

Hanover InsuranceCompanies 100 North ParkwayWorcester, MA 01605 Accounts PayableStatement

VENDORNU MBER

CHECKNUMBER

0000000003 0021653911TWILA WOLF44 PATTEN STREET APT.2BANGOR, ME 04401 ~? ~. \;l/CCY! c/(ccl('~ c ' I j f J

~C/?\/~cf!-~- ROo'll

3911

HRH NORTHERN NEW EN(;J,ANDPL HANOVER CSCPO BOX 40AUBURN, ME 04212-0040

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

FO R I NQU IR IES, CALL 1-800-922-8427INVOICE NUMBER INVOICE DATE P.O. NUMBER VOUCHER NUMBER AMOUNT

HNP626329707 12/26/2007 00447950TOTAL 1.212.001,212.00

DETACH AND RETAIN FOR YOUR RECORDS BEFORE CASHING OR DEPOSITING CHECK,

DEFENDANTSEXHIBIT7 Iy


46/113

DEFENDANTSEXHIBIT

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


47/113

~HI~,n~Y!rINSURED08 36-07286 BeAGE 1 OF 1 PERSONAL INSURANCE BilL

-ured: TW IlA WOLF44 PATTEN STREET APT,2BANGOR) ME 04401Policy Number:Policy Type:Policy Period:Payment Plan:

HNP 6263297 07Homeowners11-21-07 to 11-21-081 Payment

o make.any changes to your policy, .contact.your agent at:-7840 HRH NORTHERN NEW ENGLANDPL HANOVER CSC

PO BOX 40AUBURN ME 04212-0040orbillinq/payment questions,all customer service-at.'

866-281-7840o pay:by phone or onH.ne, contact us:~. ::1-800-573-1187

www.myhanoverpo1icy.comee reverse to authorize enrollment .in our nci-ins~allmenFfeeE'FTpl:ari::::

ITY DESCRIPTION (SINCE LAST BILL)ayment(s) Receivedyment Reversalverage Cancelled - Balance Duencellation Effective 11-21-07urn Premium Check Issued

~c:scc-ruJTn"r;=--Pre Scn m9 In ormallon.

12-26-07

871{9-03}

Bill Date: 01-02-08Previous Balance:Payments;Changes:N e W Bal~llce::>:} . > :. ...: .::)::~aYElthe~Arnount .Mi~il11uI1lDue:: . . . ::.::) ...:.:.:(juD~t~:> < r D J ~ N O W " : \< : - .. . . . .PAYMENTS/CHANGES$1)212.00 CR

$606.00MINIMUM DUE DUE DAT

$606.00 DUE NOW$1,212.00

DEFENDANTSJ)


48/113

1-16

DEFENDANTSEXHIBIT


49/113

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

01/05/08HNP 6263297606.0011/21/0611/21/07

J,.TWILA WOLF44 PATTEN STREET APT.2BANGOR ME 04401'....- . . .\

. > . ~ . - ; : : " '- ",~. .\ .". . .s: " ./IMPORTANTNOTICE"~JtJ . . ". Yj i//~:.

Your policy with our compah~ has cancelled because we did not receive your payment. We have sent youbills and a past due notice allowing sufficient time for you to make your insurance payment. Aftercancellation your balance is $ 606.00

. - - = - - - .\ ."~ . .- ; , < ' . , i '~.- -. "- .. .y ~ - ~ "

.j

This amount must be paid upon receipt of this notice.To pay this balance by phone please call 1-800-573-1187 or visit our website at www.myhanoverpolicy.comor www.mycitizenspolicy.com.,0ensure proper application of your payment please write your policy number on your check, and returnyour payment and this letter in the envelope provided.If you have questions regarding this notice, please call 1-800-922-8427 for assistance. Please send yourpayment immediately to prevent further action regarding this past due balance.Sincerely,THE HANOVER INSURANCE COMPANY

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

DEFENDANTS~XHI~T. J . . L

2910700


50/113

i--"-DEFENDANTS

EXHIBIT

1-17


51/113

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 @HanoverInsurance Croup08 REINSTATEMENT DECLARATION #EFFECTIVE 11/21/07

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

POLICY NUMBER POLICY PER ion COVERAGE IS PROVIDED IN THE AGENCY CODFROM I TOHNP 6263297 11/21/07 11/21108 THE HANOVER INSURANCE COMPANY 360728600NAMED INSURED AND ADDRESS

TWILA WOLF44 PATTEN STREET APT.2BANGOR, ME 04401

AGENTTELEPHONE: 866-281-7840HRH NORTHERN NEW ENGLANDPL HANOVER CSCPO BOX 40AUBURN ME 04212-0040

P OL IC Y P ER IO D- 12:01 A.M. STANDARD TIME AT THE RESIDENCE PREMISESTHE PREMISES COVERED BV THIS POLICY IS LOCATED AT THE ABOVE ADllRESS.C O N S T R U C T I O N NO. OFFAM.2 03WHERE A PREMIUM

TERR. PROTo YR. SECTION I LOSSCODE CONST. DEDUCTIBLE02 30 $2500 PER OCCURRENCEOR A LIMIT OF LIABILITY IS SHOWNLIMIT OF LIABILITY PREMIUMS$155,000 $677.00$15,500$116,250$31,000

SEAS/SECREM.GROUPFRAME 9COVERAGE IS PROVIDEDSECTION I COVERAGEA. DWELLINGB. OTHER STRUCTURESC. PERSONAL PROPERTYD. LOSS OF USESECTION II COVERAGEE. P ER SO NA L L IA BI LI TY $300,000 EACH OCCURRENCEF. MEDICAL PAY. TO OTHERS - $1,000 EACH PERSONTOTAL BASIC PREMIUM - - - - - - - - - - - - -

NO

$47.00

$17.00$741.00CREDIT FOR BEING LOSS FREE

A DDI TI ON AL PR EMIUMSREPLACEMENT COST ON COVERAGE C - UNSCHEDULED PERSONAL PROPERTYTOTAL ADDITIONAL PREMIUMS - - - - - - - - - - - - -

$0.00

RATING CREDITSOPTIONA L D ED UC TI BL ETOTAL RATING CREDITSV AL UED C US TO MER CREDITSCREDIT FOR PROTECTIVE DEVICESTOTAL VALUED CUSTOMER CREDITSTOTA L CR ED IT S - - -

$68.00$68.00$169.00CR$169.00CR

TOTAL PREMIUM ADJUSTMENTSTOTAL ANNUAL PREMIUM -

834.00CR834.00CR$203.00CR$135.00CR$606.00

MORTGAGEEMSHAISAOA/ATIMA LN# 490022936PO BOX 7095TROY, MI 48007

-DEFENDANTS r-fJL.

j~ J r01/08/08 CONTINUED ON NEXT PAGE0042478624ORIGINALIINSURED

DIRECT BILLEDPAGE 01 OF


52/113

1-18

DEFENDANTSEXHIBIT


53/113

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1PAGE 1 OF 1 PERSONAL INSURANCE Bill 08 36-07286'risured: TWILA WOLF44 PATTEN STREET APT.2BANGOR, ME 04401

Policy Number:Policy Type:Policy Period:Payment Plan:

HNP 626329.7 07Homeowners11-21-07 to 11-21-081 Payment

To make.any changes to your policy,contac:;tYO[jc:agentat;::::>:>866-281-7840 HRH NORTHERN NEW ENGLANDPL HANOVER CSC

PO BOX 40AUBURN ME 04212-0040For billing/payment questions, call customer serviceat:

866-281-7840To pay by phone or online., contact us .at :: ..

1-800-573-1187www.myhanoverpo1icy.com

See reverse to authorize en roliment in .our no-Installment-IeeFs ?' pia!).:DUE DA12-26-0

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

Bill Date: 01-08-08Previous Balance:Payments:Changes:

$606.00$0.00$606.00

N~WB~Janc~:.::::: ..... .$1) 212:00....:{(:> -:P a y E ither A m o u h t . :Minimum Due: .. . $1 .212;0

-. -: ";:" :'::-:''":-'.':-':;''::'""Du~bat~:} .'PASrDU EPAYMENTS/CHANGES MINIMUM DUE

$606.00

$606.00 $606.00 01-28-0ANY CHECK RETURNED FOR ACCOUNT CLOSED OR NON-SUFFICIENT FUNDS WILL BE ASSESSED A $10.00 FE

231-18.11(9-03)

DEFENDANTSEXHIBIT.,T 1

DETACH AND MAIL WITH YOUR PAYMENT MADE PAYABLE TO: THE HANOVER INSURANCE COMPAN6,PLEASE PRINT YOUR ACCOUNT OR POLICY NUMBER ON YOUR CHECK. Agent:36-07286Insured::P9IicYN~mb:~EHNP:::6Z63t91irl::PB!A~~W:? t : : : : : : : ~ 2 0 ~ : ~ I : : : : i : } : i : ; i : N 0 j : Y ~ ~ i ~ f ; h ~ r : ~ ~ ~TW I LAW 0 LFijill6~tJ~t::\~j.sttMm8/.MlnJili~il1.:0ti~:::>.:$1"212>P0:':

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 I 1 1 Indicate Amount Enclosed if Different than Amount Due:TWILA WOLF44 PATTEN STREET APT.2BANGOR, ME 04401

For Address Changes Please Contact Your Agent

1 1 I 1 1 . " l l I I l I l l l u l . I I IIIIII1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 . 1HANOVER INSURANCE COP.O. BOX 4031WOBURN, MA 01888-4031

18252762632970701087 080124000121200000121200151003


54/113

1-19

DEFENI)ANTSEXHIBIT


55/113

37 PAGE 1 OF

08~\) Hanove~~~ Insurance Group_NOTICE OF CANCELLATION OR REFUSAL TO RENEW

CY NO HNP6263297 HOMEOWNERS POLICY 3607286ISSUED AT AUBURN ME 04212-0040CELLATION TO TAKE EFFECT AT 12:01 AM 01/30/08 DATE OF NOTICE 01/13/08IF WE DO NOT RECEIVE PAYMENT BEFORE THE CANCELLATIONDATE SHOWN ABOVE AT NOON, STANDARD TIME, THE ABOVE

MENTIONED POLICY ISSUED TO THE NAMED INSURED IS CANCELLEDIN ACCORDANCE WITH THE TERMS AND CONDITIONS OF THE POLICY.

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

HANOVER INSURANCE COMPANYLINCOLN STREETCESTER, MA 01653

HRH NORTHERN NEW ENGLANDPL HANOVER CSCPO BOX 40AUBURN ME 04212-0040 00000PHONE NUMBER: 1-866-281-7840

PREMIUM ADJUSTMENTAS THE PREMIUM DUE HAS NOT BEEN RECEIVED BY THISCOMPANY FOR THIS INSURANCE. THERE IS NONE TO BERETURNED. A BILL FOR THE EARNED PREMIUM, IF ANY,WILL FOLLOW.

ALL PAYMENTS ACCEPTED SUBJECT TO COLLECTION

DEFENDANTSEXHgBIT-,.I.Customer Service: 1-800-922-8427

KEEPFor Your RecordsDETACH AND MAIL WITH YOUR PAYMENT MADE PAYABLE TO: HANOVER INSURANCE COMPANYAgents Code: 6

Amount Enclosed: $

TWILA WOLF44 PATTEN STREET APT.2BANGOR, ME 04401 1 1 I " " 1 1 1 1 1 1 1 1 . 1 1 1 1 . 1 " 1 1 1 1 1 1 1 1 I " , " 1 1 , " . 1 1 1 1 1 1 ' 1 1 . 1 1 1 1 .1THE HANOVER INSURANCE GROUPPO BOX 4031WOBURN, MA 01888-4031

18252762632970701087 080202000060600000121200931002


56/113

1-20

DEFENDANTSEXHIBIT


57/113

h il b r 0 gal < . hob b s" Personal Insurance Service Cent, HRH Northern New Engla31Court Street, P.O. Box 1Auburn, Maine 04212010January 25,2008

O J 800.657-582207777-622Twila Wolf44 Patten Street Apt 2Bangor, ME 04401

! I www.hrh.cwww.hrhnne.co

Dear Ms. Wolf:As you.know, your personal insurance is currently placed by representatives within our HRHAuburn location and serviced by our carrier partner. We recognize that many of our customersprefer to have an agency representative closer to their own location and therefore in an effort tobetter serve you, we are transferring your account to our Bangor representative for futureinsurance placementYour new agency account representative will be Kristen Beaulieu. .sten has worked for HRHfor more than 11 years and has served our personal ines clients In t e pastKristen can be reached at the following address and numbers:

HRHPOBox 1080260 Harlow StBangor ME 04402-1080

Phone:Toll Free:Fax:E-mail

207-942-4671.800-439-1203207-942-4678'kristen. [email protected]

Please note that this change will not affect your coverage and you may continue to contact ourcarrier partner for any day to day servicing needs with regard to your existing Hanover policies.

Policy Changes, Service & Billing Inquiries:Claims Reporting & Questions: 1-866-281-78401-8UU:'b2~-02.S0We believe this change will be very beneficial to our relationship in assisting you with yourfuture insurance needs however, please do not hesitate to call us if you should have anyquestions or concerns regarding this change.

Sincerely,-~~'Z~

Michael McInnis, Sf. Vi~e PresidentHRH Northern New EnglandDE FE N DAN T SiHJBIT;;to


58/113

1-21

DEFENDANTSEXHIBIT


59/113

@ } l H a n o v e rInsurance Croup,INSUREDAGE 10F 1 PERSONAL INSURANCE Bill 08 36-07286

',red: TWILA WOLF44 PATTEN STREET APT.2BANGOR, ME 04401Policy Number:Policy Type:Policy Period:Payment Plan:

HNP6263297 07Homeowners11-21-0 7 to 11-21-08Full Pay

r.o.m~k:~:::an.Y.:ha@$::tpYPUt::p.Q:liM~:Q:ma~tYQQt:~g~or:a.t~::866-281-7840 HRH NORTHERN NEW ENGLAND

PL HANOVER CSCPO BOX 40AUBURN ME 04212-0040P - r i r H l l i n g / p a y m e n f q u e s H o n s : / d l W c u s t o m e r . : s e r i l i C e : : : a t : ; : : : : .

866-281-7840: : r ( j : : p a y : : : : b y : : : ' p i i o n e : : : o r : : ( j n l i n e : / : : c o m a c F i i - S : : : : a : t : : : : : : : : " - : ': - : ' : ' \ . : - : . : -1-800-573-1187

www.myhanoverpolicy.com$ :T:e .v.t :.s :m::ii!it11()f:f:; ::r:rj:'9'~ttiM ::m::W.i'::B9 ~t(:I$\a.IJmMHt!l:E:IT:p'I~B ::::::: :

Bill Date: 02-03-08Previous Balance:Payments:Changes:

AC TI VI TY DESC RI PT IO N (SI NC E LA ST B Il l)Ccveraga Canc elled - Balance DueCanc ellation Effective 01-30-08

PAYMENTS/CHANGES MINIMU M DUE$721.75!DUE DATEDUE NOW

DEFENDANTSEXHIBIT: : : t . 'al_

~.~~:.~~~!l~~~L _.__ _ _._.__ _-.--.-- --- - --.-.-.-.- - -..-_.-_ _ ____ _DETACH AND MAIL WITH YOUR PAYMENT MADE PAYABLE TO: THE HANO VER I NS URA NC E CO MP A~ 33 9PLEASE PRINT YOUR ACCOUNT OR POLICY NUMBER ON YOUR CHECK. Agent:36-07286 '

1 1 I 1 1 1 1 1 1 . 1 1 1 1 1 I . 1 1 I 1 1 1 1 .1 1 1 . 1 1 . 1 . 1 1 . 1 1 1 1 . 1 . 1 1 . 1 1 1 1 1 1 1 Indicate Amount Enclosed i f Different than Amount Due:-------TWILA WOLF44 PATTEN STREET APT.2BANGOR, ME 04401

For Address Changes Please Contact Your Agent

1 1 I 1 1 I . 1 1 1 1 I 1 1 1 1 1 1 . 1 1 1 1 1 1 1 1 1 I 1 1 I . 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 . 1HANOVER INSURANCE COP.O. BOX 4031WOBURN , MA 01888-4031

1 82 52 76 26 32 97 07 01 08 7 0 80 12 40 00 07 21 75 00007_175251008


60/113

DEFENDANTSEXHIBIT

1-22


61/113

IWanove."Insurance Croilp_08 DECLARATION OF CANCELLATION :#

H 0 M E 0 W N E R S POL ICYREASON FOR AMENDMENT: POLICY CANCELLED DUE TO NON-PAYMENT OF PREMIUM

POLICY NUMBER POLICY PER 100 COVERAGE IS PROVIDED IN THE AGENCY CODEFROM I TOHNP 6263297 11/21/07 11121/08 THE HANOVER INSURANCE COMPANY 360728600NAMED INSURED AND ADDRESS



POLICY CANCELLATION EFFECTIVE 01/30/08POLICY PREMIUM CREDIT:SERVICE CHARGE CREDIT:T OT AL C RED IT :

$490.25$0.00

$490.25ANY OUTSTANDING PREMIUM DUE ON YOUR POLICY WILL BE DEDUCTED FROM YOUR TOTALCREDIT. IF YOUR OUTSTANDING PREMIUM EXCEEDS YOUR TOTAL CREDIT, YOU WILL BEBILLED SEPARATELY FOR THE BALANCE.

MORTGAGEEMSHAISAOA/ATIMA LN* 490022936PO BOX 7095TROY, MI 48007

DEFENDANTSEXHIBITLJ..

IF THE BILL FOR THE PREMIUM DUE ON YOUR POLICY IS NOT ENCLOSED, IT WILL BE SENTTO YOU SEPARATELY.02/03/08 0042478624ORIGINAL/INSURED

DIRECT BILLEDPAGE 01 OF


62/113

1-23

DEFENDANTSEXHIBIT


63/113

08NOTICE OF CANCELLATION OR REFUSAL TO RENEW

~CY NO HNP6263297 HOMEOWNERS POLICY 3607286ISSUED AT AUBURN ME 04212-0040

ELLATION TO TAKE EFFECT AT 12:01 AM 03/05/08 DATE OF NOTICE 02/17/08IF WE DO NOT RECEIVE PAYMENT BEFORE THE CANCELLATIONDATE SHOWN ABOVE AT NOON, STANDARD TIME~ THE ABOVEMENTIONED POLICY ISSUED TO THE NAMED INSURED IS CANCELLEDIN ACCORDANCE WITH THE TERMS AND CONDITIONS OF THE POLICY .

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

HANOV ER I NSURANCE COMPANYLINCOLN STREETCESTER, MA 01653

HRH NORTHERN NEW ENGLANDPL HANOVER CSCPO BOX 40AUBURN ME 04212-0040 00000PHONE NUMBER: 1-866-28 1-7840

AS THE PREMIUM DUE HAS NOT BEEN RECEIVED BY THISCOMPANY FOR THIS INSURANCE, THERE IS NONE TO BERETURNED. A BILL FOR THE EARNED PREMIUM, IF ANY,WILL FOLLOW.

ALL PAYMENTS ACCEPTED SUBJECT TO COLLECTION

DEFENDANTSEXHIBIT~Id . - 3Customer Service: 1-800-922-8427

KEEP For Your RecordsDETACH AND MAIL WITH YOUR PAYMENT MADE PAYABLE TO: HANOVER INSURANCE COMPANYPLEASE PRINT YOUR ACCOUNT OR POLICY NUMBER ON YOUR CHECK. Agents Code: 3607286

Insured~OliCY Number: HNP6263297:~~~~~::;'p~~j _>l!ti:


64/113

1-24

DEFENDANTSEXHIBIT


65/113

Reprlnt - L!/L!u/L!UUt5, ..L:~:VV!-llLl*011100481~02/13/200861f3b.5181J02 ~WOLF44 PATlCN S} NO.2 P).!..W~90452aBANGOR,ME 401' - - - - - - - - - - - - - - - ~'"h I s I s a LEGAL COpy 0 faur check. You can use it_ ; he same way you wou I duse the or iglnal check.


66/113

DEFENDANTSEXHIBIT

1-25


67/113

~HanoverInsurance Group-08 DECLARATION OF CANCELLATION

H 0 M E 0 W N E R S POL ICYREASON FOR AMENDMENT: POLICY CANCELLED DUE TO NON-PAYMENT OF PREMIUM

POLICY NUMBER POLICY PERIOD COVERAGE IS PROVIDED IN THE AGENCY CODEFROM I TOHNP 6263297 11/21/07 11121/08 THE HANOVER JNSURANCE COMPANY 360728600NAMED INSURED AND ADDRESS



P OL IC Y C AN CEL LA TI ON EF FEC TI VE 11/21/07POLICY PREMIUM CREDIT:SERVICE CHARGE CREDIT:TOTAL CREDIT:

$606.00$0.00

$606.00ANY OUTSTANDING PREMIUM DUE ON YOUR POLICY WILL BE DEDUCTED FROM YOUR TOTALCREDIT. IF YOUR OUTSTANDING PREMIUM EXCEEDS YOUR TOTAL CREDIT, YOU WILL BEBILLED SEPARATELY FOR THE BALANCE.


DEFENDANTSEXHIBITLa5

03/09/08 0042478624ORIGINAL/INSUREDDIRECT BILLEDPAGE 01 OF


68/113

DEFENDANTSEXHIBIT

1-26


69/113

! 1 " " 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 l 1 1 1 1 1 1 1 l 1 1 ~ 1 1 1 ~ 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 l l l l ll l l ll l l ll l ll l l ll l ll l l ll l l l l ll l~PAGE 1 OF 1 PERSONAL INSURANCE Bill

~HanoverInsurance Croup _INSURED

lured:08 36- 07286

N~vvB~i~hC~:. _ - .-.-.-_. .. .........: ..$606 .0 r i . . . _ _ . . . ./ . y ) . < . . < - . - PciyEither Amount. . :- .:>n .M ~ n : ~ 6 ( ~ f u ) p : ~ ~ ; : \ :? : : / \ : > : \ \ : . .~ ~ . ~ . . . . : : > : $ . 6 O ~ ( / ~ / O . O . : : , ' , '" . , ' . -:oUk {D .:it~ {:.O-Se06:::"08):.:tJe\o'i:.~-'",ris~~ . $606 .nn

Insured: ......- .._-_ .. .... '. .: . > < : : : .:p:aY:Ei~ner.AriiOunt)-.::> TW I LAW 0 LF:alll:oatiii:::.::>O.4~16~~-a


70/113

1-27

DEFENDANTSEXHIBIT


71/113

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 I1 1 1 1 1 1 I 1 1 1 1 1 1 1 1 I 1 1 1 1 1 1 1 1 1 1 1 1 I 1 1 1 1 I 1 1 1 1 ~ ~Hanover~ Insurance Croup ..08 REINSTATEMENT DECLARATION #EFFECTIVE 11/21/07H 0 M E 0 W N E R S POL ICY

POLICY NUMBER I POLICY PERIOD COVERAGE IS PROVIDED IN THE AGENCY CODEFROM I TOHNP 6263297 I 11/21/07 11 /21/08 THE HANOVER INSURANCE COMPANY 360728600NAMED INSURED AND ADDRESS



pnLICY PERIOD- 12;Q1 A.M. STANDARD TIME AT -e-r e e--In;:: RESIDENCE PREMISESTHE PREM1SE~ CuVERED BY lHIS POLICY IS LOCATED AT THE ABOVE ADDRESS.CONSTRUCTI ON NO. OF TERR.FAM.2 03WHERE A PREMIUM

PROT. YR. SECTI ON I LOSSCODE CONST. DEDUCTIBLE02 30 $2500 PER OCCURRENCEOR A LIMIT OF LIABILITY IS SHOWNLIMIT OF LIABILITY PREM IUMS$155,000 $677.00$15,500$116,250$31,000

SEAS/SECREM.GROUPFRAME 9COVERAGE IS PROVIDEDSECTION I COVERAGEA. DWELLINGB. OTHER STRUCTURESC. PERSONAL PROPERTYD. LOSS OF USESECTION II COVERAGEE. PERSONAL LIABILITY $300,000 EACH OCCURRENCEF. MEDICAL PAY. TO OTHERS - $1,000 EACH PERSONTOTAL BASIC PREMIUM - - - - - - - - - - - - -

NO

$47.00

CREDIT FOR BEING LOSS FREEADDITIONAL PREMIUMSREPLACEMENT COST ON COVERAGE C - UNSCHEDULED PERSONAL PROPERTYTOTAL ADDITIONAL PREMIUMS - - - - - - - - - - - - -

$17.00$741.00$0.00

RATING CREDITSO PT IO NA L D ED UC TI BL ETOTAL RATING CREDITSVALUED CUSTOMER CREDITSCREDIT FOR PROTECTIVE DEVICESTOTAL VALUED CUSTOMER CREDITSTOTAL CREDITS - - -

$68.00$68.00$169.00CR$169.00CR$34.00CR$34.00CR$203.00CR

TOTAL PREMIUM ADJUSTMENTSTOTAL ANNUAL PREMIUM $135. ! J DC?$606.00


DEFENDANTS-.-. ciX:BITJ.7

04/16/08 CONTINUED ON NEXT PAGE0042478624ORIGINAL/INSUREDDIRECT BILLEDPAGE 01 OF


72/113

1-28

DEFENDANTSEXHIBIT


73/113

E 1 OF 1 PERSONALINSURANCEBill~\') Hanover~ Insurance Croup

INSURED08 36- 07437

make any changes .to .yourpolicy;c:ontactyoUFagent::i3t::


74/113

1-29

DEFENDANTSEXHIBIT


75/113

~HanovernSUf:1I1CC (,rOll[1..RENEWAL DECLARATION #

RENEWAL OF POLICY HNP 62632H 0 M E 0 W N E R S POL ICY08

POLICYNUMBER POLICY PERIOD COVERAGE ISP ROVIDED INTHE AGENCY CODEFROM I TOHNP 6263297 11/21 lOB 11/21/09 THE HANOVER fNSURANCE COMPANY 360743700NAMED INSURED AND ADDRESS


AGENTTELEPHONE: 877-428-4003HRH NORTHERN NEW ENGLANDPL HANOVER CSC260 HARLOW ST PO BOX 1080BANGOR ME 04402

POLICY PERIOD- 12:01 A.M. STANDARD TIME AT THE RESIDENCE PREMISES

PROTo YR. SECTION I LOSSCODE CONST. DEDUCTIBLE02 30 $2500 PER OCCURRENCEOR A LIMIT OF LIABILITY IS SHOWNLIMIT OF LIABILITY PREMIUMS$167,000 $795.00$16,700$125,250$33,4 00

THE PREMI SES CO VERED BY THIS POLICY IS LOCATED AT THE ABOVE ADDRESS.CONSTRUCTION NO. OF TERR.FAM.2 03WHERE A PREMIUM

PREM.GROUPFRAME 9COVERAGE IS PROVIDEDSECTION I COVERAGEA. DWELLINGB. OT HER ST RU CTURESC. PERSO NA L PRO PERT YD. LOSS OF USESECT IO N II C OVERA GEE. P ER SO NA L L IA BI LI TY $300,000 EACH OCCU RRENCEF. MEDICAL PAY. TO OTHERS - SI,OOO EACH PERSONTOTAL BASIC PREMIUM - - - - - - - - - - - - -CREDIT FOR BEING LOSS FREE

ADDITIONAL PREMIUMSREPLACEMENT COST ON COVERAGE C - UNSCHEDULED PERSONAL PROPERTYTOTA L ADDITIONAL PREMIUMS - - - - - - - - - - - - -RATING CREDITSOPTIONAL DEDUCTIBLETOTAL RATING CREDITSV AL UED C US TOMER CREDITSCREDIT FOR PROTECTIVE DEVICESTOTAL VALUED CUSTOMER CREDITSTOTAL CREDITS - - -

TOTA L PREMIU M A DJ US TM EN TSTOTA L ANNUAL PREMIUM -MORTGAGEEMSHAISAOA/AT IMA LN# 490022936PO BOX 7095TROY , MI 48007

DEFENDANTS_ EXHII?"\T~ d 7

10/07/08 CONTINUED ON NEXT PAGE004247862 4ORIGINALIINSUREDc: ""0

SEAS/SECNO

$50.00

$17.00$862.00$0.0080.0080.00

199.00CR199.00CR$40. 00CR$40.00CR$239.00CR

S159.00CR$703.00

D IR EC T B IL LEDPAGE 01 OF


76/113

DEFENDANTSEXHIBIT

1-30


77/113

~HanoverInsurance Croup;HNP 6263297 3607

Privacy PolicyAs a customer of The Hanover Insurance Group, lnc., or one of its affiliates, you may share with usnon-public, personal information that we may use to provide products or services to you or your business.We are committed to safeguarding the privacy of any non-public, personal information our customers haveentrusted to us.This document summarizes the actions we have taken to ensure the privacy of the information you provide.Weencourage you to read this document carefully and to contact us if you have any questions.Collection of InformationWecollect personal information so that we may offer quality products and services. This information mayinclude, but is not limited to, name, address, Social Security number, and consumer reports from consumerreporting agencies in connection with your application for insurance or any renewal of insurance. Forexample, we may access driving records, insurance scores or health information. Our information sourceswill differ depending on your state and/or the product or service we are providing to you. This informationmay be collected directly from you and/or from affiliated companies, non-affiliated third parties, consumerreporting agencies, medical providers and third parties such as the Medical Information Bureau.Disclosure of InformationWemay disclose non-public, personal information you provide, as required to conduct our business and aspermitted or required by law. We may share information with our insurance company affiliates or with thirdparties that assist us in processing and servicing your account. We also may share your information withregulatory or law enforcement agencies, reinsurers and others, as permitted or required by law.Our insurance companies may share information with their affiliates, but will not share information withnon-affiliated third parties who would use the information to market products or services to you. We do notshare the non-public personal information of customers of our SEC regulated companies or customers whoown products of ours which are SECregulated with affiliated or non-affiliated companies who would use thatinformation to market products or services to you.Our standards for disclosure apply to all of our current and former customers.Safeguards to Protect Your Personal InformationWe recognize the need to prevent unauthorized access to the information we collect, including that held inan electronic format on our computer systems. We maintain physical, electronic and procedural safeguardsintended to protect all non-publ lc, personal information.Internal Access to InformationAccess to personal, nonpublic information is limited to those people who need the inform ation to provideour customers with products or services. These people are expected to protect this information frominappropriate access, disclosure and modification.Consumer ReportsIn some cases, we may obtain a consumer report in connection with an application for insurance.Depending on the type of policy, a consumer report may include information about you or your business,such as:" character, general reputation, personal characteristics, mode of living;G credit history, driving record (im:!uding records of any operators who wilt be insured under the policy);and/or an appraisal of your dwelling or place of business that may include photos and comments on its generalcondition.

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

DEFENDANTS.fH~


78/113

1-31

DEFENDANTSEXHIBIT


79/113

~HanoverInsurance Croup.HNP6263297 36


Dear Policyholder:As your local independent agent and on behalf of the employees of The HanoverInsurance Group from coast to coast, thank you for renewing your insurance coverage withus.Since 1852Hanover has provided quality insurance protection. Today, nearly one millionpeople insure their automobiles, homes, boats, businesses and more with one of TheHanover Insurance Group's fine companies.Hanover has a very simple corporate goal: To provide affordable insurance to responsiblesafety-minded customers - customers like you. We are proud of the excellent rating Hanoverhas earned within our industry and of their reputation for treating customers responsibly.Your renewal policy has been prepared with care. Please take time to review it. including

your new Declarations Page which illustrates your coverage selections and limits of pro-tection. If you have any questions, or if there are credits to which you feel entitled, pleasecontact us.Sincerely,

HRH NORTHERN NEW ENGLANDPL HANOVER CSCPO BOX 40AUBURN ME 04212-0040TELEPHONE: 866-281-7840

DEFENDANTSEXHIBIT_ ' 1 : 3 i


80/113

DEFENDANTSEXHIBIT

1-32


81/113

------------------ CALCULATION OF YOUR NEW PAYMENT AMOUNTPRINCIPAL & INTERESTESCROW (1/12TH OF ANNUAL ANTICIPATED

DISBURSEMENTS AS COMPUTED ABOVE)PLUS: OPTIONAL INSURANCE PREMIUMSPLUS: REPLACEMENT RESERVE OR FHA SVC CHGPLUS: SHORTAGE PAYMENTMINUS: SURPLUS CREDITROUNDING ADJUSTMENTMINUS: BUYDOWN/ASSISTANCE PAYMENTS

135.89171. 60

0.000.00

12.290.00

-0.780.00

BORROWER PAYMENT STARTING WITH THE PAYMENT DUE 05/01/08 319.00NOTE: YOUR ESCROW BALANCE MAY CONTAIN A CUSHION. A CUSHION IS AN AMOUNT OFMONEY HELD IN YOUR ESCROW ACCOUNT TO PREVENT YOUR ESCROW BALANCE FROM BEINGOVERDRAWN WHEN INCREASES IN THE DISBURSEMENTS OCCUR. FEDERAL LAW AUTHORIZESA MAXIMUM ESCROW CUSHION NOT TO EXCEED 1/6TH OF THE TOTAL ANNUAL ANTICIPATEDESCROW DISBURSEMENTS MADE DURING THE ABOVE CYCLE. THIS AMOUNT IS 343.20.YOUR LOAN DOCUMENTS OR STATE LAW MAY REQUIRE A LESSER CUSHION. WHEN YOURESCROW BALANCE REACHES ITS LOWEST POINT DURING THE ABOVE CYCLE, THAT BALANCEIS TARGETED TO BE YOUR CUSHION AMOUNT.YOUR ESCROW CUSHION FOR THIS CYCLE IS 171.60.

L:828:ES

DEFENDANTSEXHIBITraa.


82/113

1 . .33

I \

f II DEFENDANTS II EXHIBIT


83/113

------------------ CALCULATION OF YOUR NEW PAYMENT AMOUNTPRINCIPAL & INTERESTESCROW (1/12TH OF ANNUAL ANTICIPATED

DISBURSEMENTS AS COMPUTED ABOVE)PLUS: OPTIONAL INSURANCE PREMIUMSPLUS: REPLACEMENT RESERVE OR FHA SVC CHGPLUS: SHORTAGE PAYMENTMINUS: SURPLUS CREDITROUNDING ADJUSTMENTMINUS: BUYDOWN/ASSISTANCE PAYMENTS

135.89171. 60

0.000.00

12.290.00

-0.780.00

BORROWER PAYMENT STARTING WITH THE PAYMENT DUE 05/01/08 319.00NOTE: YOUR ESCROW BALANCE MAY CONTAIN A CUSHION. A CUSHION IS AN AMOUNT OFMONEY HELD IN YOUR ESCROW ACCOUNT TO PREVENT YOUR ESCROW BALANCS FROM BEINGOVERDRAtvN WHEN INCREASES IN THE DISBURSEMENTS OCCUR. FEDERAL LAW AUTHORIZESA MAXIMUM ESCROW CUSHION NOT TO EXCEED 1/6TH OF THE TOTAL ANNUAL ANTICIPATEDESCROW DISBURSEMENTS MADE DURING THE ABOVE CYCLE. THIS AMOUNT IS 343.20.YOUR LOAN DOCUMENTS OR STATE LAW MAY REQUIRE A LESSER CUSHION. WHEN YOURESCROW BALANCE REACHES ITS LOWEST POINT DURING THE ABOVE CYCLE, THAT BALANCEIS TARGETED TO BE YOUR CUSHION AMOUNT.YOUR ESCROW CUSHION FOR THIS CYCLE IS 171.60.

L: 828 :ES DEFENDANTSEXHIB IT.T ?0


84/113

DEFENDANTSEXHIBIT

1-34


85/113

0~c! !J .- ';L~e /We /17~- ,g).~-oq

_ _ _ _ _ . c . ; - . . . . . --1-. ' .,0 He C:..oKr=7 ,'/0d- ....L.J.?f="~ rvn::JC' Ii 'I-;})/6 c J , . " ? - r r c e ; 's CcDn_:C.:~.ei'\.Js'IO~ [Y7~ :&ts+ ~l1.1I..,..e~(2S:ff/CA){J_ ? / th })7A{2f() )'bc/


86/113

\iDEFENDANTS 1

EXHIBIT

1-35


87/113

32 '. G ? / 1 0 5 + < 1 -+ c c P . .J /- gr091 e q ) . L : i? c J ml oA) _~/Yloe~ stcrt'2 ~mlVt' ~C/(tXc- J'i1.b~t : t - hJ1\ oc C t S J '& . Jh i J'Yt ~~ Q LDI2/tfeAJsian rY J< C JI5t e;f> ~'fX::'ef c('

" ,. ..

DEFE N DAN T SEXHIB ITX35


88/113

I.,DEFENDANTS

EXHIBIT

1-36'-----~


89/113

~~ f v L.Jq/../~-I-C7 /?~d!.. ~f C;e~c !Ju to ;, \ rL.. Q~ / 1 2 " + o J d1Y ,t TV S~"Ud< Y 7 " iZ - ctfM 60,," ,. Db -I-rz:>D ? ~4.erD0 -foM fi&-k l:? ~Vh-r orvc/ /Y { ! ; I~. ~D /Om~tbT V Q o v . L c j- < '~ - 3 . ~ ~-c :J ~S'. au ,n;o / \) " / 'I/ . .

DE FE N DAN T SEXHIB ITE3{' .


90/113

DEFENDANTSEXHIBIT

1-37" - - - - . --~


91/113

G'Gd-01OA)~I : '6-77- 40:2. - O . : L . Y - 2-

c E , ) < . a-.~9~'2 J J ~c; - ~OO~ - j . . o0 pr)/\G:tJ.kci l~~ 'j( 1 Y b c 1 0 N ./ h? "~ G~(J-8fc J~ Q:bo P ti'H '4 I'\)::::JY~~f .J- \'C)3~l:G\ ~ ~ ~ iI'J ...c ! - C 6K - 'Net lc "E '- ~ e o 7JYl J-t{\\-~l~~ 5Ct~~ ~ S~n\L~O - - - - ; O c &00. (>0 .:p4ts .,\S .7S )])V~:1)~ es-t)' O't{&tZ ~Cj{fVc:t~11IDiflj Af!j-A /r0 J tws ... ~-j? or .~,.-!1 C 4 5 H = . ? 0 1 '- f I - a : (h"JcJ


92/113

(DEFENDANTSEX-HIBIT

1-38


93/113

- - -"'!-~ .=-'-C. ., h _ _ . " , ' : ' : ' ._ ' . ~ . ' : " ~ . " ': _ ' , ~ . . , . ~ ' - - . _ . _ _ . " - . " _ ; ~ ' . : ; : ~. .::"+"'_'.~.

c!} ).- % ) . . C ; - (C)~ J~5&' : f " I V + l4 J - ~I! e - J AY\:) ::3-J"'>cO~ - Szv~cl--,~-!7t,~~ c 1 -b~U '- Jlro~ iL.(,s dlS/fw'..fJI/o)u -1"0 /J c - '- -~ ;'J r o r/fLyif- ~br'b) LOPf/l )'lJl1e cH .3Sr 8 ~oh?~bC P&h~'t'S ~ i !

DEFENDANTS..-.EX~TA'-

/


94/113

DEFENDANTSEXHIBIT

1-39


95/113

.a 00 .i:3't ,~+- -'left- , , : J . . . 4 f '.>

C!_.+,. ~ '~J--~~ ~__'i


96/113

(",IDEFENDANTS I

EXHIBIT

1-40----~-,/


97/113

///Ge5tJ


98/113

DEFENDANTSEXHIBIT

1-41


99/113

.-- ,- ...;::-:-_....,.-- ..-;-- ----':"':.-=: ..~-~ ...--,._-00;:- ..-:. --=::" .......-" ..

DEFENDANT SEXHI~7: r ! .

c.


100/113

DEFENDANTSEXHIBIT

1-42" ' - _ . --~.


101/113

XP-1177-00 B

Ci~iAY$ TO NE ~Grays to ne S olu tions,14 2 N orth R o ad, S uit e GS udbury, M A 0 17 76

+ 0164685 000000162 09GM01 0058283T W I L A A W O L F44 PAT TEN STBANGOR ME 044 01-6226I I I , " , 1 , , 1 , 1 , , 1 1 1 , " " , I I , I I " '1 1 , 1 , , 1 , 1 , 1 1 1 " 1 1 1 1 , 1 '1 1 1 1 1 1 1 1

Account N umber: 04 90 022936S tatemen t Dat e: 12/11/2007F or t h e p roperty located at:4 4 P atten S treetB ango r ME 04 401C us tom er S erv ice :P hone: (87 7) 4 02-0 29 2Mond ay - Fr idayHours: 8 :30 AM - 5:30 PM E TFa x: (978) 371-59 75myh ome loan.gmc-m tg .co m

Month ly M ortg a ge Sta tem entImportan t Messages

I I 1 1 I1 1 1Paymen t Informatio

N ext Due Date :P &I P aymen t:E sc ro w P ayment:O ptionallns.P aymen t:Tota l Month ly P ayment:T ota l Amount Due N ow :

Summary In formatioIn ter est R ate: 4Princip al B alance : S 2E scro w B alance :YTD Intere st P aid : SYT D T axes P aid : SUnp aid F ees :Lat e C har ges Due:Una pp lie d Fun ds:

Pa y b y Web: myh omelo an.gmc-mtg.com P ay by P hone: (877) 402-0292, op tion 6 - W eb and phone payments receivedafter 4 PM EST Mon-Fri w ill be credited to your account the next bus in es s d ay.M onth ly statem ent s are now av ailable online . L og in at mynomeloan.qmc-mtq .com and click on eS tatements to sign up .eS tatem ent customers can make online p ayme nts FR EE up to 10 days afte r th eir due date.

Act iv it y S ince Last S ta tementP osting Descrip tion Tota l P rincip al Interest E scro w Late Misc. O p tionalDate Charge Insurance11/15 In sur an ce -606.00 0.00 0.00 -6 06 .00 0.00 0. 00 0.0012 /10 Insurance -60 6.00 0.00 0.00 -606.00 0.00 0.00 0.0012 /11 Mortgage P ayment 308 .00 4 8.59 87.30 17 2.11 0.00 0.00 0.0012 /11 F e eR eceived ; N o t B illed 5.00 0.00 0.00 0.00 0.00 5.00 0.00

P LE A S E R E T U R N T H E L O W ER P O R T IO N W IT H Y O U R P A Y M E N T A N O K E E P T H E T O P P O R T IO N F O R Y O U R R E C O R D S

DEFENDANTSEX1/'T2- :l


102/113

DEFENDANTSEXHIBIT II

I

1-43l


103/113

XP -1177-00B

. ,Grayst one So lut ions, In c.14 2 N o rth R o ad, S u it e GS udbury, MA 01776 Account N umber: 049 002293 6S t at emen t Date: 01115/200 8F or th e p ro pe rty located at:44 P att en S treetBangor ME 04401

+ 0170071 000000028 09GB95 0918014 SP0380 P4TW ILA A WOLF4 4 P AT TE N S T'; ,B AN GO R ME 04401-62261 1 1 " " 1 " 1 , 1 , , 1 1 1 , , , , , , 1 1 , 1 1 " ' 1 . 1 , 1 , , 1 , 1 . 1 1 1 1 . 1 , , 1 1 , 1 1! ')" ~

Cu st omer S e rv ice :P hon e: (877 ) 40 2-0 29 2Monday - FridayHours: 8:30 AM - 5:3 0 P M E TFax: (978) 371-5975myhomeloan.gm c-m tg.c om

Monthly Mortgage Statement

Im p o r ta n t M e s s a g e s

IIB IIII IIP aymen t Inf o rmation

N e xt D ue D ate: 0P&I P aym en t:Escrow Payment:Op t iona llns .Payment :T ot al Month ly P ayment:T o ta l Amount D ue N ow:

Summar y I nf ormationInterest R ate: 4 .5Principal Balance: S2 3E sc row B alance:YT D Inte rest Paid:YTD Taxes P aid:Unpaid Fees:Late C har ge s Due:Unapp l ie d Fun ds:

P ay by W eb: myhomeloan.gmc-mtg.com P ay by P hone: (877) 4 02-0292, o ptio n 6 - W e b and p ho ne p aym ents rece iv edafter 4 PM E S T M on-F ri w ill be credited to yo ur account th e nex t bu siness day.Mon th ly s ta tem en ts are now av ailable o nlin e. L ogin at m yh om elo an.gm c-m tg.c om a nd click on e S ta teme nt s t o sign up .eS tatem ent custo mers can m ak e o nline p aym ents F RE E up to 10 days after t he ir d ue d at e.

A c t i v it y S in c e L a s t S t a t e m e n tP osting Description Total P rincipal In terest E scrow Late Misc_ OptionalDate Charge Insu rance01 /15 Mortgage Payment 308.00 48 .78 87 .11 17 2.11 0.00 0 .00 0.0001/15 Misce l laneous Transacti on 60 6 .00 0.00 0.00 606.00 0.00 0 .00 0.00

fY b ~t :< 'j< -r' l:1q."2-M: 1 e", 1'7?dC719, :'1


104/113

I DEFENDANTSEXHIBIT

1-44'-----)


105/113

-

Xp 11 77 00B

1.1G?AY!:ON:G rayst one S o lu tio ns, lnc,142 N ort h R oad. S uite GS udbu ry. M A 017 76

Acc oun t N umb er: 04 9002 2 936S tatement D ate: 04/09/2008For th e property loca ted at:44 P at ten S treetB angor ME 04401

+ 0182470 000000019 09GM01 0058283T W IL A A W O L F44 PAT TEN STB A N G O R M E 04 401-62261 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 J 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 J 1 1 1 1 1 1 1 1 1 1 1 1 1 1

Customer S erv ice :P hone: (877 ) 402 -029 2Monday F rid ayHou rs: 8:3 0 AM - 5:3 0 PM E TFax: (9 78 ) 371- 59 75myh om elo an .q rnc- rn tq .corn

M onth ly M ortg ag e Sta tementImportan t Messages

I IB U I I 1 1

P aym ent Infor mationN ext Due Date: 0P&I P ayment : SE scrow P ayment: SO p tionalln s.P ayme nt :T ota l M onth ly P ayment: ST o tal Amoun t O ue N ow : S

Summary InformationIn te rest R ate: 4 .5P rincip al B alance: S2 3 ,E sc row B alance: SYTD Inlere st Pa id: SY TD T axes P aid : SUnpa id Fee s:Late C harges Due:Unapp lie d F un ds:

Pay by Web : myhomeloan.gmc-mtg.com P ay by P hone: (877) 402-0292. op tion 6 - W eb and phone payment s receivedafter 4 P M EST M on-F ri w ill be credited to yo ur acco unt th e nex t business day.Mon th ly statements are now av aila ble o nline . Lo gin at myhomeloan .pmc-m tq .co rn and click on eS tatem ent s to sign up ,eSta tem ent custo mers can m ak e o nlin e p ayment s FR EE up to 10 days a ft er t he ir due date .

Act iv it y S ince last Sta tementP osting Descrip tion To tal P rincipal Interest I Escrow Late M ise, Op t i onalD a t e C harg e Insurance03 /31 Insurance -606 ,00 0 ,00 0 ,0 0 ! 606 .0 0 0. 00 0 ,0 0 0 ,0 00 3 /31 Insurance 606 ,0 0 0 .0 0 0 ,0 0 6 0 6 ,0 0 0 ,0 0 0 .0 0 0 .0 004 /0 9 Mor tgage P aym en t 319 ,0 0 4 9 .3 3 86 .5f, 18 3 .11 0 .0 0 0 ,0 0 0 ,0 0

DE FE N DA N T SE XH IB ITI : . . 4 f

P L E A S E R E T U R N T H E L O W E R P O R T IO N W IT H Y O U R P A Y M E N T A N D K E E P T H E T O P P O R T IO N F O R Y O U R R E C O R D S


106/113

,!

DEFENDANTSEXHIBIT

1-45


107/113

+ 0222455 000000016 09GB95091801~

Twila A Wolf44 Patten StBangor ME 04401-6226 TRANSACTION DETAIL LISTINGTRN POST DUE TRANSACTION INTEREST PRINCIPAL ESCROW/ LATE OPT-INS UNAPPLIEDCODE DATE DATE AMOUNT PAID PAID IMP-PAID CHARGE CONST-BAL FUNDSPA 01/15/08 01/01/08 308.00 87.11 48.78 172.11 0.00 0.00 0.00SR 01/15/08 01/01/08 606.00 0.00 0.00 606.00 0.00 0.00 0.00AP 02/14/08 02/01/08 308.00 86.93 48.96 172.11 0.00 0.00 0.00E90 02/27/0B 02/01/08 -726.62 0.00 0.00 -726.62 0.00 0.00 0.00AP 03/10/08 03/01/08 314.00 86.75 49.14 178.11 0.00 0.00 0.00M20 03/31/08 03/01/08 -606.00 0.00 0.00 -606.00 0.00 0.00 0.00M20 03/31/08 03/01/08 606.00 0.00 0.00 606.00 0.00 0.00 0.00EI 03/31/08 03/01/08 1.22 0.00 0.00 1.22 0.00 0.00 0.00AP 04/09/08 04/01/08 319.00 86.56 49.33 183.11 0.00 0.00 0.00AP 06/09/08 05/01/08 319.00 86.38 49.51 183.11 0.00 0.00 0.00AP 06/10/08 06/01/08 325.79 86.19 49.70 189.90 0.00 0.00 0.00EI 06/30/08 06/01/08 1.60 0.00 0.00 1.60 0.00 0.00 0.00AP 07/14/08 07/01/08 319.00 86.01 49.88 183.11 0.00 0.00 0.00AP 08/18/08 08/01/08 326.00 85.82 50.07 183.32 6.79 0.00 0.00E90 09/04/08 08/01/08 -807.72 0.00 0.00 -807.72 0.00 0.00 0.00EI 09/30/08 08/01/08 2.92 0.00 0.00 2.92 0.00 0.00 0.00E20 10/17/08 08/01/08 -703.00 0.00 0.00 -703.00 0.00 0.00 0.00PA 10/20/08 09/01/08 651.58 85.63 50.26 183.11 0_00 0.00 332.58PA 10/20/08 10/01/08 0.00 85.44 50.45 183.11 0.00 0.00 -319.00SR 10/20/08 10/01/08 0.00 0.00 0.00 13.58 0.00 0.00 -13.58PA 11/20/08 11/01/08 325.00 85.25 50.64 183.11 6.00 0.00 0.00AP 12/15/08 12/01/08 339.00 85.06 50.83 203.11 0.00 0.00 0.00EI 12/31/08 12/01/08 0.54 0.00 0.00 0.54 0.00 0.00 0.00

DEFENDANTSEXHIBITI-15


108/113

(DEFENDANTS

EXH-IBIT

'---------/


109/113

MAINE FORECLOSURE LAW"June 19, 2010Presented by:Stephanie A. Williams, Esq.

PERKINSITHOMPSONOne Canal Plaza, PO Box 426Portland, ME [email protected]

Two types of foreclosure processes in Maine1. Judicial2. Power of Sale

DEFENDANTSEXHIBIT

JudicialPre-Litigation Steps The Notice to Cure Letter (the "Default Letter"): Prepared by the mortgagee

o Recent foreclosure law change: One of the significant changes tothe Maine foreclosure laws are the requirements for Default Letters.The cure period prior to the commencement of a foreclosure action hasbeen extended to 35 days

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

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


110/113

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

o Run from the date of the mortgage going forward. If the mortgagee isaware of the possibility of a senior mortgage, counsel should beadvised Prepare and file Complaint

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

o Holders of senior liens (including real estate tax liens) are not namedas Parties-In-Interest Service of the ComplaintlTime to Answer: The Defendant (i.e., the borrower)and all parties-in-interest must be served with a copy of the Summons, a copyof the Complaint, and in the case of the Defendant, a one-page Answer form(see attachment), which must be filed with the Court within 20 days of serviceof the Complaint

o If the Defendant fails to answer, counsel will file a Motion for DefaultJudgment and Summary Judgment, supported by an Affidavit ofmortgagee Recen t fo rec losure la w ch an ge: Pursuant to Maine's new foreclosure laws,if the Defendant answers the Complaint, he or she can also requestmediation. If so requested, the Court will schedule mediation. In certaincircumstances, a lender may move to terminate the mediation

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

-2-


111/113

o HAMP modifications also a possibility Summary Judgment: If mediation is unsuccessful, counsel will file a Motionfor Summary Judgment.

Post-Judgment Period of Redemption: From the date of entry of judgment, thew is astatutory gO-day period of redemption during which time the borrower mayredeem the mortgage by paying all sums due (or, at the mortgagee's option,cure the defaults and reinstate the mortgage) Notice of Public Sale: After the period of redemption has expired, counsel forthe mortgagee advertises a public auction sale Foreclosure Auction: A foreclosure auction is generally held in the samecounty where the property at issue is located.

o Prior to a foreclosure auction, it is important that the mortgagee obtainan appraisal of the mortgaged property so the mortgagee and counselknow its present fair market valueo At