The continuing saga of our hero and heroine in PART TWO:

burdensome, intended to annoy, embarrass and oppress Plaintiff and is not reasonably calculated
to the lead to the discovery o f admissible evidence. 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 o f business, available to Defendant for inspection and copying at a
mutually agreeable time and place.
19. REQUEST NO. 19: Any and all document(s) establishing any Beneficiary for
this Mortgage/Deed o f Trust and any Note;
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 o f admissible evidence. 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 o f business, available to Defendant for inspection and copying at a
mutually agreeable time and place.
20. REQUEST NO. 2 0 : Any documentation evidencing the Mortgage/Deed o f 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
to the lead to the discovery o f admissible evidence. 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 o f business, available to Defendant for inspection and copying at a
mutually agreeable time and place.
21. REQUEST NO. 2 1 : All data, information, notations, text, figures and
information contained in your mortgage servicing and accounting computer systems including.
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but not limited to Alltel or Fidelity CPI system, or any other similar mortgage servicing software
used by you, any servicers, or sub-servicers o f this mortgage account from the inception o f this
account to the date o f 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 o f admissible evidence. In addition. Request No. 21 appears to call
for the production o f trade secret or other confidential, research, development or 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 o f business,
available to Defendant for inspection and copying at a mutually agreeable time and place.
22. REQUEST NO, 2 2 : All descriptions and legends o f 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: Plaintiff objects to Request No. 22 on die basis that it is overbroad,
burdensome, intended to annoy, embarrass and oppress Plaintiff and is not reasonably calculated
to the lead to the discovery o f admissible evidence. In addition, Request No. 22 appears to call
for the production o f trade secret or other confidential, research, development or 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 o f business,
available to Defendant for inspection and copying at a mutually agreeable time and place.
23. REQUEST NO. 2 3 : All assignments, transfer, allonge, or other documents
evidencing a transfer, sale or assignment o f this mortgage, deed o f trust, monetary instrument or
other document that secures payment by me to this obligation in this account from the inception
o f this account to the present date including any such assignment on MERS.
RESPONSE: Plaintiff objects to Request No. 23 on the basis that it is overbroad,
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burdensome, intended to annoy, embarrass and oppress Plaintiff and is not reasonably calculated
to the lead to the discovery o f admissible evidence. 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 o f business, available to Defendant for inspection and copying at a
mutually agreeable time and place.
24. REQUEST NO. 2 4 : All records, electronic or otherwise, o f assignments o f this
mortgage, monetary instrument or servicing rights to this mortgage including any such
assignments on MERs. Graystone being a member o f MERs.
RESPONSE: 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 o f admissible evidence. 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 o f business, available to Defendant for inspection and copying at a
mutually agreeable time and place.
25. REQUEST NO. 2 5 : A ll deeds in lieu, modifications to thiis mortgage, monetary
instrument or deed o f trust from the inception o f this 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 o f admissible evidence. 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 o f business, available to Defendant for inspection and copying at a
mutually agreeable time and place.
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26. REQUEST NO. 2 6 : The front and back o f each and every canceled check,
money order, draft, debit or credit notice issued to any servicers o f this account for payment o f
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 o f admissible evidence. 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 o f business, available to Defendant for inspection and copying at a
mutually agreeable time and place.
27. REQUEST NO. 2 7 : All escrow analyses conducted on this account from the
inception o f this account until the date o f 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
calculated to the lead to the discovery o f admissible evidence. In addition. Request No. 22
appears to call for the production o f trade secret or other confidential, research, development or
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
o f business, available to Defendant for inspection and copying at a mutually agreeable time and
place.
28. REQUEST NO. 2 8 : The front and back o f each and every canceled check, draft
or debit notice issued for payment o f 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 fees, points, etc.
RESPONSE: Plaintiff objects to Request No. 28 on the basis that it is overbroad,
burdensome, intended to annoy, embarrass and oppress Plaintiff and is not reasonably calculated
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to the lead to the discovery o f admissible evidence. 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 o f business, available to Defendant for inspection and copying at a
mutually agreeable time and place.
29. REQUEST NO. 2 9 : Front and back copies o f all payment receipts, checks,
money orders, drafts, automatic debits and written evidence o f 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 it is kept in the ordinary course o f business, available to
Defendant for inspection and copying, at a mutually agreeable time and place.
30. REQUEST NO. 3 0 : All letters, statements and documents sent to me by 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 o f business, available to
Defendant for inspection and copying at a mutually agreeable time and place.
31. REQUEST NO. 3 1 : All letters, statements and documents sent to me by agents,
attorneys or representatives o f 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 o f business, available to
Defendant for inspection and copying at a mutually agreeable time and place.
32. REQUEST NO. 3 2 : All letters, statements and documents sent to me by
previous servicers, sub-servicers or others in your account file or in your control or possession or
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in the control or possession o f any affiliate, parent company, agent, sub-servicers, servicers,
attorney or other representative o f 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 o f business, available to
Defendant for inspection and copying at a mutually agreeable time and place.
33. REQUEST NO. 3 3 : All letters, statements and documents contained in this
account file or imaged by you, any servicers or sub-service o f this mortgage from the inception o f
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 o f business, available to
Defendant for inspection and copying at a mutually agreeable time and place.
34. REQUEST NO. 3 4 : All electronic transfers, assignments and sales o f the
note/asset, mortgage, deed o f 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 kept in the ordinary course o f business, available to
Defendant for inspection and copying at a mutually agreeable time and place.
35 REQUEST NO. 3 5 : A ll copies o f property inspection reports, appraisals, BPOs
and reports donr on my property.
R E S PO N SE : 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 o f business, available to
Defendant for inspection and copying at a mutually agreeable time and piace.
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36. REQUEST NO. 3 6 : A 1 1 invoices 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 o f 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 o f business, available to
Defendant for inspection and copying at a mutually agreeable time and place.
37. REQUEST NO. 3 7 : 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 o f 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 o f business, available to
Defendant for inspection and copying at a mutually agreeable time and place.
38. REQUEST NO. 3 8 : All agreements, contracts and understandings with vendors
that have been paid for any charge on this account from the inception o f 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 o f business, available to
Defendant for inspection and copying at a mutually agreeable time and place.
39. REQUEST NO. 3 9 : 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 the accounting o f this
account from the inception o f this account to the present date.
R E S PO N SE : 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 o f business, available to
Defendant for inspection and copying at a mutually agreeable time and place.
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40. REQUEST NO. 4 0 : All account servicing transaction records., ledgers, registers
and similar items detailing how this account has been serviced from the inception o f 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 o f business, available to
Defendant for inspection and copying at a mutually agreeable time and place.
41. REQUEST NO. 4 1 : Please send me copies o f all invoices and detailed billing
statements from any law firm or attorney that has billed such fees that have been assessed or
collected from this account from the inception to the present date.
RESPONSE: Pursuant to M.R. C'iv.P. 34(b), Plaintiff will make non-privileged
documents in its loan file, produced as it. is kept in the ordinary course o f business, available to
Defendant for inspection and copying at a mutually agreeable time and place.
42. REQUEST NO. 4 2 : Please forward to me copies o f 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 o f business, available to
Defendant for inspection and copying at a mutually agreeable time and place.
43. REQUEST NO. 43: Please send to me copies o f all BPO reports that have been
done on my property.
R E S PO N SE : 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 o f business, available to
Defendant for inspection and copying at a mutually agreeable time and place.
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44. REQUEST NO. 4 4 : Please send to me copies o f all forced-placed insurance
policies that have been ordered on my property from the inception o f 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 o f business, available to
Defendant for inspection and copying at a mutually agreeable time and place.
45. REQUEST NO. 4 5 : Please provide me with copies o f all sale contracts,
servicing agreements, assignments, allonges, transfers, indemnification agreements, recourse
agreements and any agreement related to this account from the inception o f 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 o f business, available to
Defendant for inspection and copying at a mutually agreeable time and place.
46. REQUEST NO. 4 6 : Please provide me with copies o f the front and back o f the
canceled check.
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 o f business, available to
Defendant for inspection and copying at a mutually agreeable time and place.
47. REQUEST NO. 4 7 : Please attach copies o f all property inspection reports and
appraisals.
R E S PO N S E : Pursuant to M.R. Civ.P. 34(b), P la in tiff will make non-privileged
documents in its loan file, produced as it is kept in the ordinary course o f business, available to
Defendant for inspection and copying at a mutually agreeable time and place.
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48. REQUEST NO. 4 8 : A copy o f 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 purpose vehicle related to the said Agreement and any and all
Amendments and Supplements thereto.
R ESPONSE: 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 calculated
to the lead to the discovery o f admissible evidence. Notwithstanding the foregoing, pursuant to
M.R. Civ.P. 34(b), Plaintiff will make non-privileged documents in its loan Hie, produced as it is
kept in the ordinary course o f business, available to Defendant for inspection and copying at a
mutually agreeable time and place.
49. REQUEST NO. 4 9 : I f a copy o f the Pooling and Servicing Agreement has been
filed with the SHC, provide a copy o f SEC Form 8k and the Prospectus Supplement, SEC Form
424b5.
RESPONSE: Plaintiff objects to Request No. 49 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 discover)' o f admissible evidence. Notwithstanding the foregoing, pursuant to
M.R. Civ.P. 34(b), Plaintiff will make non-priviieged documents in its loan file, produced as it is
kept in the ordinary course o f 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 o f any Trustee under
any pooling or servicing agreement related to this loan; a copy o f the Prospectus offered to
investors in the trust.
RESPONSE: Plaintiff objects to Request N o. 50 on the basis that it is overbroad,
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burdensome, intended to annoy, embarrass and oppress Plaintiff and is not reasonably calculated
to the lead to the discovery o f admissible evidence. 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 o f business, available to Defendant for inspection and copying at a
mutually agreeable time and place.
51. REQUEST NO. 5 1 : Copies o f all servicing, master servicing, sub-servicing,
contingency servicing, special servicing, or back-up servicing agreements with respect to this
account.
RESPONSE: Plaintiff objects to Request No. 5 1 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 o f admissible evidence. 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 o f business, available to Defendant for inspection and copying at a
mutually agreeable time and place.
52. REQUEST NO. 5 2 : All written loss-mitigation rules and work-out procedures
related to any defaults regarding this loan and similar loans.
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 o f admissible evidence. In addition, Request No. 52 appears to call
for the production o f trade secrct or other confidential, research, development or 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 o f business.
available to Defendant for inspection and copying at a mutually agreeable time and place.
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53. REQUEST NO. 5 3 : The procedural manual used with respect to the servicing or
sub-servicing o f this loan.
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
to the lead to the discovery o f admissible evidence. In addition, Request No. 53 appears to call
for the production o f trade secret or other confidential, research, development or commercial
information. Notwithstanding the foregoing, pursuant to M.R. Civ.P. 34(b). Plaintiff w ill make
non-privileged documents in its loan tile, produced as it is kept in the ordinary course o f business,
available to Defendant for inspection and copying at a mutually agreeable time and place.
54. REQUEST NO. 5 4 : Attach a copy o f the mortgage electronic registration system
procedures manual.
RESPONSE: Plaintiff objects to Request No. 54 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 o f admissible evidence. In addition. Request No. 52 appears to call
for the production o f trade secret or other confidential, research, development or 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 o f business,
available to Defendant for inspection and copying at a mutually agreeable time and place
55. REQUEST NO. 5 5 : A copy o f the LSAMS Transaction History Report for the
mortgage loan account, with a detailed description o f all fee codes.
RESPONSE: Plaintiff objects to Request No. 55 on the basis that it is vague,
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overbroad, burdensome, intended to annoy, embarrass and oppress Plaintiff and is not reasonably
calculated to the lead to the discovery o f admissible evidence. In addition, Request No. 55
appears to call for the production o f trade secret or other confidential, research, development or
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
o f business, available to Defendant for inspection and copying at a mutually agreeable time and
place.
56. REQUEST NO. 5 6 : State the fall name and address o f the Lender and attach a
copy o f 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 reasonably calculated
to the lead to the discovery o f admissible evidence. In addition. Request No. 56 appears to call
for the production o f trade secret or other confidential, research, development or 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 o f business,
available to Defendant for inspection and copying at a mutually agreeable time and place.
Perkins Thompson, P.A.
One Canal Plaza
P.O. Box 426
Portland, ME 04112
STATE OF MAINE
PENOBSCOT, SS.
I'D BANK, N.A., t7k/a First Massachusetts
Bank, N.A.,
Plaintiff.
v.
SUPERIOR COURT
CIVIL ACTION
DOCKET NO. RE-10-187
PLAINTIFF’S ANSWERS
TO INTERROGATORIES
PROPOUNDED BY DEFNDANT
TWILA A. WOLF,
and
Defendant,
MAINE STATE HOUSING AUTHORITY,
CITY OF BANGOR, and LVNV
FUNDING, LLC,
Title to Real Estate Involved
Parties-In-Interest. )
Pursuant to M.R. Civ.P. 33, Plaintiff TD Bank, N.A. ("‘Plaintiff’) answers
Defendant’s Interrogatories1 dated April 25, 20C1 as follows:
GENERAL OBJECTION
Plaintiff objects to the Interrogatories to the extent that they seek information protected by
the attorney-client privilege or ihe work product doctrine or any other applicable privilege. All
responses herein shall be subject to this objection, and no response herein shall act as a waiver o f
this objection.
Plaintiff objects to the Interrogatories to the extent that they purport to impose obligations broader
than those imposed by the Maine Rules o f Civil Procedure.
1 Defendant’s written questions were delivered to counsci for Plaintiff in letter form and did not comply with M.R.
Civ.P. 33 in a number of respects. However, in light o f Defendant’s pro sc status, Plaintiff is treating Defendant’s
correspondence as a set o f interrogatories and a Request for Production o f Documents.
Plaintiff does not concede, and reserves all objections with respect to, the relevance, materiality,
or admissibility o f the information contained in the answers to the 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 o f this account to the present date so that experts can decipher
the data provided.
ANSWER: Plaintiff objects to Interrogatory No. 1 on the basis that it is vague
and seems to call for trade secret or other confidential research, development or commercial
information. Notwithstanding the foregoing, pursuant to M.R. Civ.P. 33(c), Plaintiff will provide
non-privileged business records, consisting o f the loan file in question, to Defendant for
inspection and copying at a mutually agreeable time and place.
2. INTERROGATORY NO. 2 : F or each account accounting and servicing system
identified by you and any sub-servicers or previous servicers and sub-servicers from the
inception o f this account to the present date, please provide the name and address o f the company
that designed and sold the system.
ANSWER: Plaintiff objects to Interrogatory No. 2 on the basis that it is vague
and seems to call for trade secret or other confidential research, development or commercial
information. Notwithstanding the foregoing, pursuant to M.R. Civ.P. 33(c), Plaintiff will provide
non-privileged business records, consisting o f 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 [sicj accounting and servicing
system used by you and any sub-servicers or previous servicers and/or sub-servicers from the
inception o f 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.
ANSW ER: Plaintiff objects to Interrogatory No. 3 on the basis that it is vague
and seems to call for trade secret or other confidential research, development or commercial
information. Notwithstanding the foregoing, pursuant to M.R. Civ.P. 33(c), Plaintiff will provide
non-privileged business records, consisting o f the loan file in question, to Defendant for
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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
business records, consisting o f 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 form 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
business records, consisting o f the loan file in question, to Defendant for inspection and copying
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
and seems to call for trade secret or other confidential research, development or commercial
information. Notwithstanding the foregoing, pursuant to M.R. Civ.P. 33(c), Plaintiff wall provide
non-privileged business records, consisting o f the loan file in question, to Defendant for
inspection and copying at a mutually agreeable time and place.
7. INTERROGATORY NO. 7 : For each transaction code, please provide the
master transaction code list used by you or previous servicers.
ANSWER: Plaintiff objects to Interrogatory No. 7 on the basis that it is vague
and seems to call for trade secret or other confidential research, development or commercial
information. Notwithstanding the foregoing, pursuant to M.R. Civ.P. 33(c), Plaintiff w ill provide
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8. INTERROGATORY NO. 8 : Has each sale, transfer or assignment o f this
mortgage, monetary instrument, deed o f 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 o f this account to the present date? Yes or No?
ANSWER: The mortgage has not been transferred.
9. INTERROG ATORY NO. 9 : If not, why?
ANSWER: See response to Interrogatory No. 8.
10. INTERROGATORY NO. 10: Is your company the servicer o f this mortgage
account or the holder in due course and beneficial owner o f this mortgage, monetary instrument
and/or deed o f trust?
ANSWER: Yes.
non-privileged business records, consisting o f the loan file in question, to Defendant for
inspection and copying at a mutually agreeable time and place.
11. INTERROGATORY NO. 11: Have any sales, transfers or assignments o f this
mortgage, monetary instrument, deed o f 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 o f this account to the present date? Yes or No?
ANSWER: The mortgage has not been transferred.
12. INTERROGATORY NO. 12: If yes, please detail for me the names o f the
seller, purchaser, assignor, assignee or any holder in due course to any right or obligation o f any
note, mortgage, deed o f 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 o f die account to the present date? Yes or No?
ANSWER: Yes.
14. INTERROGATORY NO. 14: If yes, please detail each separate assessment,
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charge and collection o f attorney fees to this account from the inception o f this account to the
present date and the date o f such assessment to this account.
ANSWER: Pursuant to M.R. Civ.P. 33(c), Plaintiff will provide non-privileged
business records, consisting o f 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
account from the Inception o f this account to the present date? Yes or No?
ANSWER: Yes.
16. INTERROGATORY NO. 16: If yes, please detail each separate charge o f
attorney fees to this account from the inception o f this account 10 the present date and the date o f
such assessments to this account.
ANSWER:: Pursuant to M.R. Civ.P. 33(c), Plaintiff w ill provide non-privileged
business records, consisting o f the loan file in question, to Defendant for inspection and copying
at a mutually agreeable time and piace.
17. INTERROGATORY NO. 17: Have attorney fees ever been collected from this
account from the Inception o f this account to the present date? Yes or No?
ANSWER: No.
18. INTERROGATORY NO. 18: If yes, please detail each separate collection o f
attorney fees to this account from the inception o f this account to the present date and the date o f
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 lhe
inception o f this account to the present date.
ANSWER: Perkins Thompson, P.A., P.O. Box 426, Portland, ME 04112.
20. INTERROGATORY NO. 2 0 : Please identify for me in writing the provision,
paragraph, section or sentence o f any note, mortgage, deed o f trust or any agreement I signed that
-5-
authorized the assessment, charge or collection o f attorney fees.
ANSWER: Pursuant to M.R. Civ.P. 33(c), Plaintiff will provide non-privileged
business records, consisting o f the loan file in question, to Defendant for inspection and copying
at a mutually agreeable time and place.
21. INTERROGATORY NO. 2 1 : Please detail and list for me in writing each
separate attorney fee assessed from this account and for w'hich each corresponding payment
period or month such fee was assessed from the inception o f this account to the present date.
ANSWER: Pursuant to M.R. Civ.P. 33(c), Plaintiff will provide non-privileged
business records, consisting o f the loan file in question, to Defendant for inspection and copying
at a mutually agreeable time and place.
22. INTERROGATORY NO. 2 2 : 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 o f this account to the present date.
ANSWER: Please see response to Interrogatory No. 17.
23. INTERROGATORY NO. 2 3 : 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: Plaintiff objects to Interrogatory No. 23 on the basis o f vagueness.
24. INTERROGATORY NO. 2 4 : Please detail and list for me in writing any
adjustments in attorney fees collected and on w'hat date such adjustment was made and the reason
for such adjustment.
ANSWER: Plaintiff objects to Interrogatory No 23 on the basis o f vagueness.
25. INTERROGATORY NO. 25: Has interest been charged on any attorney fees
assessed or charged to this account? Yes or No?
ANSWER: No.
26. INTERROGATORY NO. 2 6 : Is interest allowed to be assessed or charged on
attorney fees charged or assessed to this account? Yes or No?
- 6 -
27. INTERROGATORY NO. 2 7 : 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 o f the loan tile in question, to Defendant for inspection and copying
at a mutually agreeable time and place.
28. .INTERROGATORY NO. 2 8 : How much total in attorney fees have been
collected from this account from the inception to the present dale?
ANSWER: Please see response to Interrogatory No. 17.
29. INTERROGATORY NO. 2 9 : How much total in attorney fees have been
charged to this account from the inception to the present date?
ANSW'ER: Pursuant to M.R. Civ.P. 33(c), Plaintiff will provide non-privileged
business records, consisting o f the loan file in question, to Defendant for inspection and copying
at a mutually agreeable time and place.
30.2 INTERROGATORY NO. 3 0 : Has there been any suspense or unapplied
account transactions on this account from the inception o f this account until the present date?
Yes or No?
ANSWER: Plaintiff objects to Interrogatory No. 30 on the basis o f vagueness.
A N SW E R : Pursuant to M.R. Civ.P. 33(c). P la in tiff will provide non-privileged
business records, consisting o f the loan tile in question, to Defendant for inspection and copying
at a mutually agreeable time and place.
2 Defendant posed a number o f additional questions in her letter to Plaintiff. However, because parties may only
serve a total o f 30 interrogatories pursuant to M.R. Civ.P. 33(a), Defendant has only responded to the first 30
interrogatories propounded by Plaintiff.
-7-
Dated at Portland, Maine this day o f May, 2011.
Name: Tonya Daigneault
Title:
STATE OF MAINE
CUMBERLAND, SS. M a y___ , 2011
Personally appeared before me the above-named Tonya Daigneault and has sworn on oath
that the facts contained herein arc true and correct to the best o f her knowledge and be lie f
Before me,
Notary Public/Attorney-at-Law
FoKObjections: ~ j ^ , l ‘
L k * f
David B. McConnell
K J
STATE OF MAINE SUPERIOR COURT
PENOBSCOT, SS. CIVIL ACTION
DOCKET NO. RE-10-187
TD BANK, N.A., t7k/a First Massachusetts
Bank, N.A.,
Plaintiff,
v.
TWILA A. WOLF,
Defendant,
and
MAINE STATE HOUSING AUTHORITY,
CITY OF BANGOR, and LVNV
FUNDING, LLC,
Parties-In-Interest.
Pursuant to M.R. Civ.P. 33, Party-in-Inlerest Maine State Housing Authority
(‘'MSIIA”) answers Defendant’s Interrogatories1 dated April 25, 2001 as follows:
GENERAL OBJECTION
MSHA objects to the Interrogatories to the extent that they seek information protected by the
attorney-client privilege or the work product doctrine or any other applicable privilege. All
responses herein shall be subject to this objection, and no response herein shall act as a waiver o f
this objection.
MSHA objects to the Interrogatories to the extent that they purport to impose obligations
broader than those imposed by the Maine Rules o f Civil Procedure.
PARTY-IN-INTEREST MAINE
STATE HOUSING AUTHORITY’S
ANSWERS TO INTERROGATORIES
PROPOUNDED BY DEFNDANT
Title to Real Estate Involved
1 Defendant’s written questions were delivered to counsel for MSHA in letter form and did not comply with M.R.
Civ.P. 33 in a number o f respects. However, in light o f Defendant’s pro sc status, MSHA is treating Defendant’s
correspondence as a set of Interrogatories and a Request for Production o f Documents.
MSHA does not concede, and reserves all objections with respect to, the relevance, materiality, or
admissibility o f the information contained in the answers to the 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 o f this account to the present date so that experts can decipher the data provided.
ANSWER: MSHA objccts to Interrogatory No. 1 on the basis that it is vague and
seems to call for trade secret or other confidential research, development or commercial
information. Notwithstanding the foregoing, pursuant to M.R. Civ.P. 33(c), MSHA will provide
non-privileged business records, consisting o f the loan file in question, to Defendant for inspection
and copying at a mutually agreeable time and place.
2. INTERROGATORY NO. 2 : For each account accounting and servicing system
identified by you and any sub-servicers or previous servicers and sub-servicers from the inception
o f this account to the present date, please provide the name and address o f the company that
designed and sold the system.
ANSWER: MSHA objects to Interrogatory N o. 2 on the basis that it is vague and
seems to call for trade secret or other confidential research, development or commercial
information. Notwithstanding the foregoing, pursuant to M.R. Civ.P. 33(c), MSHA will provide
non-privileged business records, consisting o f 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 o f 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
seems to call for trade secret or other confidential research, development or commercial
information. Notwithstanding the foregoing, pursuant to M.R. Civ.P. 33(c), MSHA will provide
non-privileged business records, consisting o f the loan file in question, to Defendant for inspection
-2-
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), MSHA will provide non-privileged
business records, consisting o f 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 form 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), MSHA will provide non-privileged
business records, consisting o f the loan file in question, to Defendant for inspection and copying 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: MSHA objects to Interrogatory No. 6 on the basis that it is vague and
seems to call for trade secret or other confidential research, development or commercial
information. Notwithstanding the foregoing, pursuant to M.R. Civ.P. 33(c), MSHA will provide
non-privileged business records, consisting o f the loan file in question, to Defendant for inspection
and copying at a mutually agreeable time and place.
7. INTERROGATORY NO. 7: For each transaction code, please provide the
master transaction code list used by you or previous servicers.
ANSWER: MSHA objects to Interrogator)' No. 7 on the basis that it is vague and
seems to call for trade secret or other confidential research, development or commercial
information. Notwithstanding the foregoing, pursuant to M.R. Civ.P. 33(c), MSHA will provide
8. INTERROGATORY NO. 8 : Has each sale, transfer or assignment o f this
mortgage, monetary instrument, deed o f 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 o f this account to the present date? Yes or No?
ANSWER: The mortgage has not been transferred.
9. INTERROGATORY NO. 9 : If not, why?
ANSWER: See response to Interrogatory No. 8.
10. INTERROGATORY NO. 10: Is your company the servicer o f this mortgage
account or the holder in due course and beneficial owner o f this mortgage, monetary instrument
and/or deed o f trust?
ANSWER: Yes.
non-privilcgcd business records, consisting o f the loan file in question, to Defendant for inspection
and copying at a mutually agreeable time and place.
11. INTERROGATORY NO. 11: Have any sales, transfers or assignments o f this
mortgage, monetary instrument, deed o f trust or any other instrument 1 executed to secure this debt
been recorded in any electronic fashion such as MERS or other internal or external recording
system from the inception o f this account to the present date? Yes or No?
A NSWER: The mortgage has not been transferred.
12. INTERROGATORY NO. 12: If ves. please detail for me the names o f the seller,
purchaser, assignor, assignee or any holder in due course to any right or obligation o f any note,
mortgage, deed o f 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.
ANSW ER: See response to Interrogatory No. 11.
13. INTERROGATORY NO. 13: Have attorney fees ever been assessed to this
account from the inception o f the account to the present date? Yes or No?
ANSWER: Yes.
14. INTERROGATORY NO. 14: If yes, please detail each separate assessment.
charge and collection o f attorney fees to this account from the inception o f this account to the
present date and the date o f such assessment to this account.
ANSWER: Pursuant to M.R. Civ.P. 33(c), MSI IA will provide non-privileged
business records, consisting o f 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
account from the Inception o f this account to the present date? Yes or N o?
ANSWER: Yes.
16. INTERROGATORY NO. 16: If yes, please detail each separate charge o f
attorney fees to this account from the inception o f this account to the present date and the date o f
such assessments to this account.
ANSWER: Pursuant to M.R. Civ.P. 33(c), MSHA will provide non-privileged
business records, consisting o f 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 o f this account to the present date? Yes or No?
ANSWER: No.
18. INTERROGATORY NO. 18: If yes, please detail each separate collection o f
attorney fees to this account from the inception o f this account to the present date and the date o f
such assessments to this account
A NSWER: See response to Interrogatory No. ! 7.
19. INTERROGATORY NO. 19: Please provide me with the name and address o f
each attorney or law firm that has been paid any fees or expenses related to this account from the
inception o f this account to the present date.
ANSWER: Perkins Thompson, P.A., P.O. Box 426, Portland, ME 04112.
20. INTERROGATORY NO. 2 0 : Please identify for me in writing the provision,
paragraph, section or sentence o f any note, mortgage, deed o f trust or any agreement I signed that
-5-
authorized the assessment, charge or collection o f attorney fees.
ANSWER: Pursuant to M.R. Civ.P. 33(c), MSHA will provide non-privileged
business records, consisting o f the loan file in question, to Defendant for inspection and copying at
a mutually agreeable time and place.
21. INTERROGATORY NO. 2 1 : Please detail and list for me in writing each
separate attorney fee assessed from this account and for w'hich each corresponding payment period
or month such fee was assessed from the inception o f this account to the present date.
A NSWER: Pursuant to M.R. Civ.P. 33(c), MSHA will provide non-privileged
business records, consisting o f the loan file in question, to Defendant for inspection and copying at
a mutually agreeabie time and place.
22. INTERROGATORY NO. 2 2 : 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 o f this account to the present date.
ANSWER: Please see response to Interrogatory No. 17.
23. INTERROGATORY NO. 2 3 : 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 o f vagueness.
24. INTERROGATORY NO. 2 4 : Please detail and list for me in writing an)'
adjustments in attorney fees collected and on what date such adjustment was made and the reason
for such adjustment.
ANSWER: MSHA objects to Interrogatory No. 23 on the basis o f vagueness.
25. INTERROGATORY NO. 2 5 : Has interest been charged on any attorney fees
assessed or charged tc this account? Yes or No?
ANSWER: No.
26. INTERROGATORY NO. 2 6 : Is interest allowed to be assessed or charged on
attorney fees charged or assessed to this account? Yes or No?
- 6 -
27. INTERROGATORY NO. 2 7 : 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), MSHA will provide non-privileged
business records, consisting o f the loan fde in question, to Defendant for inspection and copying at
a mutually agreeable time and place.
28. .INTERROGATORY NO. 2 8 : How much total in attorney fees have been
collected from this account from the inception to the present date?
ANSWER: Please see response to Interrogatory No. 17.
29. INTERROGATORY NO. 2 9 : How' much total in attorney fees have been
charged to this account from the inception to the present date?
ANSWER: Pursuant to M.R. Civ.P. 33(c), MSHA will provide non-privileged
business records, consisting o f the loan file in question, to Defendant for inspection and copying at
a mutually agreeable time and place.
30.2 INTERROGATORY NO. 3 0 : Has there been any suspense or unapplied account
transactions on this account from the inception o f this account until the present date? Yes or No?
ANSWER: MSHA objects to Interrogatory No. 30 on the basis o f vagueness.
A N SW E R : Pursuant to M.R. Civ.P. 33(c), MSHA will provide non-privileged
business records, consisting o f the loan file in question, to Defendant for inspection and copying at
a mutually agreeable time and place.
2 Defendant posed a number o f additional questions in her letter to Plaintiff. However, because parties may only serve
a total of30 interrogatories pursuant to M.R. Civ.P. 33(a). Defendant has only responded to the first 30 interrogatories
propounded by Plaintiff.
-7-
Dated at Portland, Maine this day a f May, 2011.
Name: John Stewart
Title: Loss Mitigation Team Leader
STATE OF MAINE
CUMBERLAND. SS. M a y___ , 2011
Personally appeared before me the above-named John Stewart, Loss Mitigation Team
Leader, Camden National Corporation, as Power-of-Attomey 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 o f his knowledge and be lie f
Before me,
Notary Public/Attomey-at-Law
- 8 -

S ER IES : 0 0 ) THRU H O
ORIGINATOR ; Q01 THRU 2 0 0
PURCHASE 0 A T 6 : 0 3 / 1 5 / 0 1 - 0 3 / 1 5 / 0 1
fJONO S ER IES 1 24 2 0 0 0 - 0 MPP
ORIGINATOR 1 0 8 8ANKN0RTH MORTGAGE
MAINE STATE HOUSING AUTHORITY
SERVICER PURCHASE REPORT BY SERIES
LOAN MORTGAGOR NAME
NBR SERV REF NBR
LOAN PURCHASE [NT PTD MATURITY IN T RATE
TYPE TERM DATE F IR S T PUT DATE LEVEL PMT
PAGE »
REPORT #
DATE RU
PR IN PURCH SERV FEE SERV POOL POOL CERT NBR
LOAN AMT RATE NBR M I IN S REF NUMBER
37339 'W3SEHEEJE3
5 0 0 0 0 6 7 7 0 0
360 03/15/01 OZ?BWtfJ 01/01/31
02/ 01/01
28*78WMj| 8.30000 147
2 6 , k S ? 0 * - 9 9
DEFENDANTS
EXHIBIT
E - l
\ a m
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. J

Homeowners Get Screwed, Lawyers Get Played, Banks Make Profit: Where’s the Outrage?
Thursday, 01/20/2011 -10:04 am by Thomas A. Cox |
B H H H wMThe foreclosure industry is playing the system while
homeowners suffer.
Two recent reports, read together, should spark outrage in the country at large and among our political
leadership. 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
improperly foreclosed upon 14 military families. Only three days before that, reports came out that
JPMorgan had just experienced a 47% jump in profits for the previous quarter and 2010 profits reached
a record level of $17.4 billion.
The story of the violations of the Servicemembers Civil Relief Act was forced into the open by a Marine
fighter pilot. He kept all of his payments current, but due solely to the fault of JPMorgan Chase, his
mortgage was placed into default status. His wife reports collection calls (sometimes three a day)
coming on Saturdays, Sundays, holidays and even at 3:00 in the morning. It took over two years and the
hiring of a lawyer to get JPMorgan to back off and finally admit that he had fully paid his mortgage
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 collection tactics from
America's second largest bank. Where is the outrage over these kinds of heavy-handed and abusive
tactics?
The Foreclosure Game
The situation described above fits within a pattern of abuse of American homeowners by JPMorgan
Chase and the other major loan servicers that I have experienced in my work as a lawyer representing
homeowners in foreclosure. They treat the foreclosure process like a game, seeking to win at any cost
without regard to the harm inflicted upon homeowners. Strategic decisions are made, odds of specific
outcomes are calculated and bets based upon those odds are placed. Ways to skirt the rules are studied
and ignored when referees (judges) are not watching, weak opponents are trampled, cheap shots are
taken at opposing parties, and major efforts are made to wear out the opposition as the game winds on.
Since the foreclosure industry's pockets are deep, it is more than willing to outspend the opposition to
gain an upper hand when it will help win the game.
Lawyers who have the experience and knowledge required to represent homeowners in foreclosure
cases are in very short supply. The work does not pay well, if at all, it is very time consuming, and the
level of knowledge necessary to do the work well is very high. I have been focusing on this work on a
full-time basis for almost three years now. To be competent, I have to be familiar with the Truth in
Lending Act ("TlLA") and its related Regulation Z, the Homeowner Equity Protection Act("HOEPA"). the
Real Estate Settlement Procedures Act ("RESPA"), 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 a 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
revelation of important documents, here.
Logic suggests that in foreclosure, the homeowner should be able to know who owns his loan. In the
rare circumstance where the homeowner wants to pay off 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 pay off his loan, he still has a real interest in knowing who claims ownership of it because only
that party can respond to requests to work out a rational loan modification.
Logic does not control the foreclosure industry's practices.
Variation Number 1: MERS hides the ball
In the first variation of this tactic, homeowners must face a massive concealment scheme set up in 1995
by the foreclosure industry in the form of Mortgage Electronic Registration Systems. Inc. ("MERS").
Before MERS came along, every mortgage was recorded in a registry of deeds for the county where a
mortgaged home is located. When that mortgage was assigned, it was recorded in the registry. Thus, if a
homeowner ever had any doubt as to who owned his mortgage, he had only to check his nearby registry
to find that information. MERS unilaterally 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,
information about them is simply entered into the MERS electronic recording system. Any homeowner
can check the records of his local registry of deeds, but no homeowner is permitted to access MERS.
Thus, it took away a sure way to identify the owners of mortgage loans.
After an outcry against MERS over its concealment of the identity of mortgage owners in its inaccessible
system, it claims 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 owner voluntarily allows MERS to 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.
Even when a mortgage owner does allow 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 2006. 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 MERS system as the owner.
Use of the MERS website to look up mortgage ownership information is basically a waste of time for
homeowners and their lawyers. 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 Lending Act We
know that the lender is out of business and that some other entity owns the loan, but we do not know
who that is. The MERS website does not disclose the identity of the owner of this loan. Under TILA, the
rescission letter must be sent to the owner, so we have to file a request with the servicer for that
information. Experience tells us that the servicer may or may not respond and that if it does, the
response may or 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
days was) 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 ball tactics come into full play.
In addition to throwing 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 Chase after the bank stalled for almost a year in producing documents that it was
obligated to produce within 30 days of 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 cases where 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 hourly rate. When a case
finally gets to a trial list, there are repeated requests from the servicer's lawyer for continuances and
delays 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 HSBC Bank was the

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01-0137770 545-08-3544
1 M&t'rpg* inteptl nnom*3 1 Copy B
Fo r Payer
TnanttvniAtaninboMM 1,
2. a n j 3 it mp o ru n t ta«
.nfoirusioo *nd ’■ b*»tg
lUntWiMtodW 'n !m w
Nav«iuo Sor/ic*. « yo« nm
iBQU'fotf lo Sb t ra iu n . <i
netfn/fli*c« pons'ty oi
tmreioy may tia mps»»«U ot>
>ou il W* R8 dU vn tn ea
lh*1 i t urx>»/po>mtM.{ i l (g>
tWiM Y"J
cwrMBbvi a doduclkVk luc
this modosQo >ni«rq«l <y lo
T » io pmnu o< twenutu you
0*S ro t report tfM rnlund trf __!ca*«i«ijgy.»rtffn
"AYCJVBORRCW/EHS nonw. rtoin adores* Untiudttgm. OC> *•»'*. • -J/IP uw)«
Twila A Wolf
44 Patten St Apt B
Bangor ME 04401-6226
n i t i ii i iiit iit iiiiu it iiiiiit iiiiiiiiiiiiiiiit iit if it i ii i ) t i l
: Pci1 it* p«Mon pu*c>>«sc o4 p to c p * im o u k i [?«•
* » > « » < » 00(J
3 Rnri/O u' rtbrml (S««i Boa 1 on DccK.)
$ 0 0 0
4
il yoji 11101(009 Ki»n .ccjvif*«J by e«nfaw«Ui Mortq<u» On/jp CJ'irg 2003 tfia bctflmtf/iQ on ’YtMiin: lira H q o w tie ffl» amount! lr»o»1cncd l ow n
PRINCIPAL
usaiNwiu
BAlAKCfc
AUGUST
PAD
MllSrfeSI S#ICHTAQC
ACC€C TO PfllMStPAt
AcwMOoUuNwT to
UNAPPLIEO ESCROW
17470.08
'91.74
0.00
0.00
17278.34
AMOUNT
I’AID
AMOUNT Oisaiwscu
0.00
0.00
BALANCE
AMOUNT
f*Alli
AMOUNT 0WUU»13C0
BUYOOWN ACCOUNT BALANCE
0.00
0.00
0.00
0.00
ro»w.»»ytv€>:Tr
ADJUSTMENTS
0.00
0.00
INTEREST PAID
1612.29
0.00
O.Ot?
0.00
0.00
0.00
13.82
1626.11
0.00
o.oe
OROSS iNTERES'*
KA.0
W.US f'ltEPAKJ BIT. SCT
A U lM tD PWfiM YCARfi
^53 INTEREST
'U
S3.NTEft£BT sMcnTAat
l F5S ►KkHAlO INH-W.S t
NOT ALLOVltO Tl-HS YR
<\US I.1TERESI
SW3HTAO-: PA D
IlNTEREST SHORTAGE UNPAID BALANCE! ESCROW DISBURSEMENTS
BEJHNNfNU f .nn REAL fcfcFATE _ -
BALANCE 0.00 7 AXES OKtftjHStD 0.00
OTHER ITEMS
NSTINTSRCSr /'AID
uonTiiAGE ro m r s
I'AIO
nOVNOQt Ove****r»'v fffOFST UUX-EOAflCO-JS
0.00
0.00
PAYMENT CALCULATION
MISCELLANEOUS
0.00 9.00
SEE BACK SIDE FOR IMPORTANT INFORMATION
Form Af OOXP Rov 1 12tf3
DEFENDANTS
EXHIBIT
F
Account Number: 5000C67B81
Our rscc;2s Show youi So&al Secunty Number or Tax ID Number 88: 54li-08-3ii44
If this Information is correct. NC response 13 necessa^. if ihe number snowr is Incorrect or
•f no number Is showing, P'ease complete the reverse sido of Ihla form, dotach and mail to:
8ANKNORTH MORTGAGE GROUP
32 CHESTNUT STREET
LEWISTON. ME 34240
a t JYJ-IXX SlSf.I»!i)
U CORRECTED (it ciecked;
RtCVn-MrB^EMRCirS urn., atfO-*». r d tstepfer. njr.to*
BANKNORTH MORTGAGE GROUP
32 CHESTNUT STREET
LEWISTON. ME 04240
8 00 -442-1275
Jfiem tvm «-:xd v'v.cr;.7»...*,
01-0137770
P-ViTti J tv.nt etun tf rtMflto*
545-08-3544
1 Mcdijagu miaroit tocann) lAn ^^M(»|.,Uatcn*H(a) * Copy B
Fo r Payer
‘’AYf-ffflrtJOfWOWPRSnom*. M'joot aikraa* tm jjd n j «jt
twila A Wolf
2 r\»<M» pafcJul pu--ci»«« </, prince a! Mfamti* (Coia
0.00
Z. and 3 li itnportmu u»
(ntonn«*on « i> j'« tit* mo
lu'r^jtvja to mu M o tu r
Rovwiuo Satv.oo. 11 you am
required to toi i r « w n .«
negUooivce penalty ut c J»i
w c to i may bo <mpos«d wr
yeulftfw tR&dbtarminft*
th&l on urxJo/pavrmtfit of U>
iw i'* h?«awn» yov
uverstatftd a diHftiCttan fu
Ch* mortgage ntetoal or h r
^tirio p»m* or te c n t/te you
<M not repcrf Mt intiMxS at
--------g a a iiia g f f jr tK - i.
■14 Hatten S I Ap l 3
B ang o r M E 04401-6226
li In n l i t i l l n i l l i im i l l i l l m i I i i i i l i i i l l i i i l i i l i l n l lm l l
3 Rnflrd oJ <r>w]i>»d antami IS** Do* 5 cn 5edL) 5 o.oo
4
“ " • ■ " " s a a w / a s i
* Cayikm: !?.<»«n»ortf i *kk«i
trvr'xX d» (‘wAtfrNa £7
Kay. Ua*x tw»c* u» « • toiaownW
prccejfy may
>ff^f.A.ts.y>itur/c^t6iAri
OMB No 15*5^5901
* 0 4
Form 1 0 8 8
M o r tg a g e
In te re s t
Statement
{Keep tor yuur roixxitv) Department o f lh«i Trrtnaury-Inte rn* Kevanuo S w * .u
ilyoj> nimlc»qo (van .v% M, bc-ifcmm.1 MmtpaqnGiu.it> cu-irg ZO-Ulh* b>jiivrtr.u b»t»ini on itncminndHoow ara iho «mciiK» ir«i»lancd l*Oin your piaviou* atrvcai.
PRINCIPAL UNAPPLIED ESCROW
oeomwNa
17470.08
u c c in v n u
0.00
OEOmtANO
0.00
uec»««rio
HALAMUfc UAIAMCE BALANCE BALANCE
AMQUIC AMOUNT AUOUM- r*AHUR‘?IWCKTC
PAW 191.74 »»AIU 0.60 sMu 0.00
v ir& te s i SMUflfAGC A u a j u r AMOUNT AUJUSTVCNTS
AD06C TO P nH d P A l 0.00 OfSfli/asFo 0.00 waiiutvsco 0.00
amou nt l:6CHO>V
u w b u r s e d 0.00 (Mrcncar 0.00
OlDiNU
1 7 2 7 8 J 4
tNUIIKi
0.00
I'MMNG
0.00
ENDING
HAIAf.TC BAIANCE OALANCfc OAlVUtCE
BUYDOWN ACCOUNT BALANCE
0.00
o.oo
0.00
INTEREST PAID (INTEREST SHORTAGE UNPAID BALANCE! ESCROW DISBURSEMENTS OTHER ITEMS
0P=AKiD>SS INTCWCS* 1612^9 8EQINWHQ OAtANCE 0.00 THAEXAELS b SCTCA&TUEb HiitO 0.00
APLLLUOSW PREDEP PAWIDW IW YT.F VADRTfi 0.00
itssimaet jnaewsTxnm 9.0C AsiOCCMGlAOUWiIERcSI o.ou pamMBi 0.00 CUAUIeIiOCLlIATtH«MPfAJiiO ,0, .00
IStHSCSflTAQt 0.00
I•F4S0S*A ►.LM0tVWAItD0 riW.«TsS MvfneSt 0.00 LSEHSOSn T'NA!QSFHfc3I e.oo Uur'tCAAHNitlolVo n °n-n0t0l
pSflOuHs TiwAOtcCr VeAs i0 0.00
:L-AaTmTi CHAJKiES 13.82 EWMA0IAINNQCe 0.00 MU'rMI 0.00
JN'AEITD IMfcRfSr 1520.11
PMAOIDRTiiAOE POIHI3 0.00 HFJEIFCUHHOOW 0.00
oHvc^*UuoN»UnC-r fvrn? «- 9.90 MiSCEiXAr/tOvS 0.00
PAYMENT CALCULATION
MISCELLANEOUS
Form N OOXP Rnv 1 12/C3
0.00 3.00
SEE BACK SIDE FOR IMPORTANT INFORMATION
DEFENDANTS
EXHIBIT
F
Account Number: 5000067881
Out racSfdc stow your Soual oocumy Number or Tax ID Number os: 545-08-3544
If th.s Information is correct. NC response Is necessary. If the number s*owr is Incorrect or
-f no number Is showing. P’ease comploie the revor3o s»do of Ihis form, tfotach and maB to:
BANK NORTH MORTGAGE GROUP
32 CHESTNUT STREET
LEWISTON. ME 34240
a ; 712.M#-
Instructions for Payer/Borrower
A ptirson (tndudng a financial Institution. a governmental unit, and a cooperative
housing corporation) who is engaged In a trade or business and, in the
course of such trade or business, received from you at least $600 of
mortgage Intorest (Including certain points) on any one mortgage In the
calendar year must furnish this statement to you.
If ycu received this statement as the payor of record on a mortgage on which
thero are other borrowers, please furnish each of the other borrowers with
Information about the proper distribution of amounts reported on this form.
Eac.i borrower Is entitled to deduct only the amount he or she paid and points
paid by the seller that represent his or ner share of the amount allowable as a
deduction for mortgage Interest and points. Each borrower may have to
Indude In Income a share of any amount reported in box 3.
If your mortgage payments were subsidized by a govomment agency, you
may not be able to deduct the amount of the subsidy.
Box 1. Shows the mortgage Interest received by the interest recipient during
the year. This amount includes Interest on any obligation secured by real
property, including a homo equity, line of credit, or credit card loan. This
amount does not Include points, government subsidy payments, or seller
payments on a 'buy-down mortgage. Such amounts aro deductible by you
only In cortaln circumstances. Caution: It you prepaid interest in 2004 that
accrued in full by January 15, 2005,this prepaid intorest may be included in
box 1. However, you cannot deduct the prepaid amount in 2004 even though
It may be included In box 1. If you hold a mortgage credit certificate and can
claim the mortgage Interest credit, see Form 8396, Mortgage Interest Credit.
II the interest was paid on a mortgage, home equity, line of credit, or credit
card loan secured by your personal residence, you may be subject to a
deduction limitation. For example, if a home eouity loan exceeds 5100.00C
($50,000 if married filing separately), or, together with other home loans,
oxcooda tho fair market v o I j q of your homo (such as in a high loar>to-va)ue
loan), your Interest deduction may bo limited. For more Information, see Pub.
936, Home Mortgage Interest Deduction.
Box 2. Not all points are reportable to you. Box 2 shows points you or the
sollot paid this year for the purchase of your principal residence that are
required to be reported to you. Generally, those points are fully deductible in
the year paid, but you must subtract seller-paid points from the basis of your
residence Other points not reported In this box may also bo deductible. See
Pub. 936 or your Schedule A (Form 1040) Instructions
Box 3. Do not doduct this amount. It Is a refund (or credit) for
overpayment(s) of interest you made In a prior year or years. If you itemized
deductions In the year(s) you paid the Interest. Include the total amount
shown in box 3 on the ‘other Income* line of your 2004 Form 1040. However,
do not report the refund as income If you did not itemize deductions In the
year(s) you paid the Interest No adjustment to your prior year(s) tax
returns(s) Is necessary. For more Information, see •Recoveries' In Pub. 525,
Taxable and Nontaxable Income.
Box 4, The Interest recipient may use this box to give you other information,
such as real estate taxes or insurance paid from escrow.
In order to verify your deduction for mortgage interest paid during the calendar year, the IRS requires that you furnish your social security or taxpayer
identification number to us. Failure to provide this information can result in a $50 penalty by the iRS If you are an individual, ptease provide us with your
social security number In tho apace indicated befow If you aio a company or a corporation, please provide us with your taxpayer identification number
(TIN) whero Indicated below. DETACH AND MAIL THIS FORM TO THE ADDRESS SHOWN ON THE FRONT OF THIS FORM
B O R R O W E R __________________ ’ _____________* ___________________ ______ O R ___________________ ' _____________* ________________
Social Security No. Taxpayer I.D. (TIN) No.
CO-BORROWER___________________* _____________' _________________________ O R ___________________ * _____________’ ________________
Social Security No. Taxpayer I D. (TIN) No
CERTIFICATION • under the penalties of perjury. I certify that (he information provided on this form Is lrue; correct and complete.
B o r ro w e r __________ __________________________________________Co-Borrower_______________ __ . Date
signature signature
. 00028?/ 0C001W05 038N02-OT1M1C
Twila A Wolf
44 Patien Si Apt B
Bangor ME 04401-6226
7RN POST DUE
CODE DATE DATE
W 01/13/04 12/01/03
A P 01/13/04 01/01/04
A P 02/12/04 02/01/04
AP 03/16/04 03/01/04
AP 04/15/04 04/01/04
AP 05/26/04 05/01/04
AP 06/11/04 06,01/04
AP 07/16/04 07/01/04
AP 00/13/04 08/01/04
AP 09/07/04 09/01/04
AP 10/13/04 10/01/04
AP 11/17/04 11/01/04
AP 12/C9/04 12/01/04
CWA 12/CS/04 12/01/04
TRANSACTION DETAIL LISTING
JSACTION INTEREST
AMOUNT PAID
138.24 124.62
145.15 124.52
138.24 124.42
138.24 124.33
138.24 124.23
13824 124.13
138.24 124.03
145.15 123 93
138.24 123.82
13824 123.72
138.24 123.62
138 24 123.51
138.24 123.41
9.91 0 0 0
NCIPAL ESCROW/ LATE OPT-INS UNAPPLIEO
PAID IMP-PAID CHARGE CONST -BAL FUNDS
13.62 0.00 0 00 0.00 0.00
13.72 0 0 0 6.91 0 00 000
13.82 000 0.00 000 0 00
13.91 000 0.00 0.00 000
14.01 0.00 0.00 0.00 000
1*11 0.00 000 000 0.00
14.21 000 0.00 000 0.00
14.31 0.00 6.91 0.00 0.00
14.42 0.00 0.00 000 0.00
14.52 0 00 0.00 0.00 0.00
14,62 000 000 000 0 00
14.73 000 0.00 0.00 000
14.83 000 000 0 00 o.oc
6.91 0.00 0.00 0.00 0.00
aflnmfono.oi
TRANSACTIONS CODE DEFINITIONS
AA - Administrative Adjustment
AMC - Contractual C h an g e lo Rate, T e im , o r Payment
on ARM loan
AP Regular Mortgage Payment
AS - Assumption
CA - Construc tion Adjustment
CD - Construc tion Disbursement
CO - C a rry o v e r Interest Deductible in Future Tax Years
Cl* - Capita liz a tion o!'Inte re st
CR - C o nstruc tion Reccipt
CRL/CRP - C u rta ilment Reversal Posted Automatically
CT /C TA/CWAft’WP - Additional payment to Principal
CTR- Reverse Additional Payment to Principal
ED - Payment Made from Escrow
E l/E IL /E IP /n iS • Interest o n Escrow Paid ou Account
E00 - EC9 • Escrow Refund to M ortgagor
E10 - E2 9 - Insurance Premium P aid
E40 - 1549 - Private Mortgage Insuranc e Paid
K50- E59 • FHA Mortgage Insurance Paid
E60 * 1?89 • Miscellaneous Payment Made from Escrow
E90 - E9S • Real Instate T ax e s Paid
FB • Fee Billed to Mortgagor
FC - Foreclosure
FE • Fee Paid by Mortgagor
FEA - Fee Payment Posted T hrough A u lopost
HP - Fee Payment Collected but not Billed
FR - Reversal o f Fee Paid by Mortgagor
FS/FW - Foreclosure
FW A /FW P . Collection o f Billed Fee
FWV - Fee Payment Reversed o r W aived
GP • Gove rnment S u bsidy Payment
1.CW - I-»te Cha rge Waived
MOO - M99 - Same a s U00 - B99.
PA - Regula r Mortgage Payment
PF/PFL • P a y o ff o f Mortgage Loan
PP - Partial Payment
PR/PRL/PRP/PRN • Payment has be en Reversed
R P - Regular Mortgage Payment
ROD - R99 - Receipt to Esc row Balance
SR/SRA/SRL/SWA/SWP - Application to Account
SRB • Buydown Balancc Adjustment
SV - S c rv itc Release
T C • C u rta ilment In volving Prepaid Principal
UF • Unapplied Funds
UI Uncolle c ted ftems
U N - Unknown
+KWPGQ*
□ CORRECTED (if checked)
RECIPIENT" SPENDER'S name. atfdrets. and tutepnone numOm
TD BANKNORTH MORTGAGE
32 CHESTNUT S T R E E T
LEWISTON, ME 04240
800-442-1275
Cau tio n : Tho amount thown
may no: bo tutty doduclit/lo by
you. Umlta Oajctf o n too toan
amount and the coat artd vokto of
the secured property may apply.
A/so. you may only deduct wtena
t to Me wronf it was ncurvod
by you, actuary paid by you,
and not nlmburted by another
parson.
OMO NO. 1545-0901
Fottn 1 0 9 8
Mortgage
Interest
Statement
RECIPIENTS Factors tfonllftCdtiGn 1)0
01-0137770
PAYER'S social aecurtty numt-e/
545-08-3544
1 Mortgage Intoiost ro cttve d lrom ^^e ^sy& o trow & i(B ) *
$
PAYER'S/SORROWER'S name, tltoet addross (Including a pi. no), o.ly, statu, tind ZIP code
Twila A Wolf
44 Patten St Apt B
Bangor ME 04401-6226
l l l l l l l l l l l l I I i l l I I H IM III 11 t l l l l l l l I l l l l l I 111 II l l l l I l l l l l i l l
3 Pcir.la paid on puchH* ct principal reaKenoa !Sm
B o , 2 oo bock, 0 0 0
3 Bafumf ot over pa vl Worm! [Sa* 8013 on Sack I 0.00
Copy B
For Payer
The inlormalion In boxes
1.2. and 3 is important la*
information and is being
furnished la lha Internal
Rovenuo Service, if you oro
required lo Tile a roturn. a
negtgance penally or other
sanction may bo imposed
on you il lha ifiS determines
lhal an underpayment a! lax
results Lwausu yoo ovorstaled
a deduct ion lot this
mortgago interest or lot these
points ot because you did noi
report this rotund cl interest
on your return.
Form 1 0 9 8 (Koop lor your records.) Department ot the Tieaauiy - Internal Revenue Service
It your m o rtu sg o lo an w a s a cq tm o d b y TD Bonknortli Mo rtgago du rin g 2005 Uio ooglrininu b a lan c es o n Principal a n d Escrow am th o am o u n ts tran>fp?rod fto.-n y o u r p ro v lo u i aorvicci
PRINCIPAL UNAPPLIED ' ' ESCROW I BUYDOWN ACCOUNT BALANCE
BEGINNING
1 7 2 7 8 .3 4
BEGINNING
0.00
BEGINNING
0.00
BEOINNINQ
BALANCE BALANCE BALANCE BALANCE 0.00
AMOUNT AMOUNT AMOUNT DISBURSEMENTS
PAID 1 94 .2 3 PAID 0.00 PAID 0.00 0.00
INTEREST SI40RTAGE AMOUNT AMOUNT ADJUSTMENTS
ADDED TO PRINCIPAL 0.00 DISBURSED 0.00 DISBURSED 0.00 0.00
AMOUNT ESCROW
DISBURSED 0.00 INTEREST 0.00
ENDING
1 7 0 84 .1 1
ENDING
0.00
ENDING
0.00
ENDING
BALANCE BALANCE BALANCE BALANCE 0.00
INTEREST PAI0 | INTEREST SHORTAGE UNPAID BALANCE| ESCROW DISBURSEMENTS | OTHER ITEMS
GROSS INTEREST
1 4 7 1 .5 6
BEGINNING
0.00
REAL ESTATE
PAID BALANCE TAXES DISBURSED 0.00
PLUS PREPAIOINT NOT
ALLOWED PRIOR YEARS 0.00
LESS INTEREST
0.00
AOOEO INTEREST
0.00
INSURANCE
0.00
LATE CHARGES
SUBSIDY (BUYDOWN) SHORTAGE DUE BUT UNPAID 0.00
LESS INTEREST
SHORTAGE 0.00
LESS PREPACD INTEREST 0.00
LESSINTEREST
0.00
LIFE ANttOH 0.00 NOT ALLOWED THIS YR. SHORTAGE PREPAID DISABILITY
PLUS INTEREST
SHORTAGE PAID 0.00
LATE CHARGES 6.91 ENDING 0.00 0.00 PAID BALANCE MIP/PMI
NET INTEREST
PAID 1 4 7 8 .4 7
MORTGAGE POINTS
PAID 0.00
ESCROW
REFUND 0.00
REFUND OF
OVERPAID INTEREST 0.00 MISCELLANEOUS 0.00
PAYMENT CALCULATION
PRINCIPAL ♦
INTEREST
ESCROW/
IMPOUND
CREDIT
INSURANCE
SERVICE
CHARGE
REPLACEMENT
RESERVE
MISCELLANEOUS TOTAL
PAYMENT
0.00 0.00 0.00
SEE BACK SIDE FOR IMPORTANT INFORMATION
AF00XP R«v 3 17/05
Account Number: 5000067881
Our records show your Social Security Number or Tax ID Number as: 545-08-3544
If this information is correct, NO response is necessary. If the number shown Is Incorrect or
if no number Is showing, Please complete the reverse side of this form, detach and mail to:
TD BANKNORTH MORTGAGE
32 CHESTNUT S T R E E T
LEWISTON. ME 04240
ST 212-000 SUM*d
Instructions for Payer/Borrower
A person (including a financial institution, a governmental unit, and a cooperative
housing corporation) who is engaged in a trade or business and, in tho
course of such trade or business, received from you at least $600 of mortgage
intorest (including certain points) on any ono mortgago in the calendar year
must furnish this statomenl to you.
If you received this statement as the payer of record on a mortgage on
which there are other borrowers, furnish each of the other borrowers with
information about the proper distribution of amounts reported on this form.
Each borrower is entitled to deduct only the amounl he or she paid and points
paid by the seiler that represent his or her share of the amount allowable as
a deduction for mortgage Interest and points Each borrower may have to
include in income a share of any amount reported in box 3.
If your mortgage payments were subsidized by a government agency, you
may not be able to deduct the amount of the subsidy. See the instructions for
Form 1040, Schedule A, C, or E for how to report the mortgago interest. Also,
for moro information, see Pub. 936, Home Mortgage Interest Deduction, and
Pub. 535, Business Expenses.
Account numbor. May show an account or other unique number the payer
has assigned to distinguish your account.
Box 1. Shows the mortgage interest received by the intorest recipient during
tiie year.This amount includes interest on any obligation secured by real property,
including a home equity, line of credit, or credit card loan. This amount
does not include points, government subsidy payments, or seller payments
on a ‘buy-down’ mortgage. Such amounts are deductible by you only in certain
circumstances. Caution: If you prepaid interest in 2005 that accrued in full by
January 15,2006, this prepaid interest may be included in box 1. However, you
cannot deduct the prepaid amount in 2005 oven though it may be included in box
1. If you hold a mortgage credit certificate and can claim the mortgage interest
credit, see Form 8396. Mortgage Interest Credit. If the interest was paid on a
mortgage, home equity, line of credit, or credit cand loan secured by your personal
residence, you may bo subject to a deduction limitation.
Box 2. Not all points are reportable to you. Box 2 shows points you or the seifer
paid this year for the purchase of your pnncipal residence trial are required to
be reported to you. Generally, these points are fully deductible in the year paid,
but you must subtract seller-paid points from the basis of your residenco. Other
points not reportod in this box may also be deductible. See Pub. 936 orSchedulo
A (Form 1040) instructions.
Box 3. Do not deduct this amount. It is a refund (or credit) for overpayment(s)
of interest you made in a prior year or years. If you itemized deductions in tho
year(s) you paid the interest, you may have to include part or all of the box 3
amount on tho ’Other income* line of your 2005 Form 1040. No adjustment to
your prior year(s) tax relum(a) is necessary. For more information, see Pub. 936
and 'Recoveries* in Pub. 525, Taxable and Nontaxable Income.
Box 4. The interest recipient may use this box to give you other information,
such as tho address of the property that secures the debt, real estate taxes, or
insurance paid from esciow.
B/1098
In order to venfy your deduction for mortgage interest paid during the calendar year, the IRS requires that you furnish your social security or taxpayer
identification number to us. Failure to provide this information can result in a $50 penalty by the IRS. If you are an individual, please provide us with your
social security number in the space Indicated below. If you are a company or a corporation, please provide us with your taxpayer identification number
(TIN) where .ncicated below. DETACH /*ND MAIL THIS FORM TO THE ADDRESS SHOWN ON THE FRONT O F THIS FORM.
B O R R O W E R __________________ • _____________- _________________________O R _______________- ____________________________________________
Social Security No. Taxpayer t.D. (TIN) No.
C O -BO R ROW E R __________________ - ____________ - _________________________ o f t _______________* ____________________________________________
Social Security No. Taxpayor 1.0. (TIN) No.
CERTIFICATION - under the penalties of perjury. I certify that the information provided on this form is true, correct and complete.
Borrower ________________________________________________________Co-Borrower______________________________________________________Date_____________________
signature signature
♦ 0001900 000019808 098N02-091W10
Twlla A Wolf
44 Patten St Apt 6
Bangor ME 04401-6226
TRN POST DUE
CODE DATE DATE
AP 01/11/05 01/01/05
AP 02/11/05 02/01/05
AP 03/16/05 03/01/05
AP 04/06/05 04/01/05
AP 05/11/05 05/01/05
AP 06/13/05 06/01/05
CWA 07/12/05 07/01/05
AP 07/12/05 07/01/05
AP 08/22/05 08/01/05
AP 09/13/05 09/01/05
AP 10/04/05 10/01/05
AP 11/09/05 11/01/05
AP 12/07/05 12/01/05
TRANSACTION DETAIL LISTING
TRANSACTION IN ILREST PRINCIPAL
AMOUNT PAID PAID
138 24 123.25 14 99
138.24 123.15 15 09
138 24 123.04 16.20
138.24 122.93 1531
138.24 122.82 16.42
138 24 122.71 15.53
6 9 1 0.00 6.91
138.24 122.60 15.64
138 24 122.44 15.80
146.15 122.33 1 591
138.24 122.21 16.03
138 24 122.10 16.14
138 24 121 98 16.26
ESCROW/ LATE OPT-INS UNAPPLIED
IMP-PAID CHARGE CONST-BAL FUNDS
0.00 0 00 0.00 0.00
0 0 0 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0 00 0.00 0.00
0.00 0.00 0-00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 6.91 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0 0 0 0 0 0 0.00
0.00 0.00 0.00 0.00
>001
TRANSACTIONS CODE DEFINITIONS
AA - A dm in is tra tiv e A d ju stm en t
AM C - C o n tra c tu a l C h a n g e lo Rate. T erm, o r P ayment
on ARM loan
A P - R eg u la r Mortgage P aym ent
AS • A ssum p tio n
CA - Const ruc tion Adjustment
CD - Constru c tio n D isbursement
CO • C a rry o v e r Inte re st D ed u c tib le in Future T ax Y e a rs
C P - C ap ita liz a tio n o f Inte re st
CR - C o n stru c tio n Re c e ipt
CR L /CR P - C urta ilm ent R eve rsa l P o sted A u tom a tic a lly
CT /C TA/CWA/CWP • A d d itio n a l paym en t to Principal
CTR* Reve rse A d d itio n a l Paym en t to Principal
ED • Paym en t Made from Escrow
EI/E1L/EIP/KIS - Inte re st o n E s c row Paid on Ac count
EGO - E 0 9 • Escrow Re A n d lo M o rtg ag o :
E10 - U20 ■ Insurance Pre m ium Paid
E40 - E49 - Private Mortg ag e Insu ran c e Paid
E50 • E59 - FHA M ortgage In su ran c e Paid
EGO - E89 • Misc e llaneous Paym en t Made from Escrow
E90 • E99 - Real Estate T a x e s Paid
FB • Fee Billed lo M o rtg ag o r
FC • F oreclosure
FE - Fee Paid b y M ortgagor
FEa - Fee P ayment P o sted T h ro u g h A u topost
FP - Fee Payment C o lle c ted b u i n ot Billed
FR • Rcvom.i I o f Fee Paid b y M ortgagor
FS/FW • Foreclosure
FWA'FWP - Colle c tion o r B illed Fee
FWV • Fee P ayment R e v tr s c d o r Waived
O P - G o v e rnm en t Su b sid y P aym ent
LCW - Ute Chargo Waived
MOO - M99 - Sam e a s EQO - U99
PA • R eg u la r M ortgage P aym ent
PF/PFL - P a y o f f o f M o rtg ag e Loan
PP - Partial Payment
PR/PRL/PRP/PRN • Payment h a s b e en Reversed
RP - R eg u la r M ortgage P aym ent
R00 - R 99 - Re c e ipt to E sc row Balance
SR/SRA/SRLASWA/SWP - Applic a tio n to Account
SRB - Bu y d ow n B a lanc e A d ju stm en t
SV - Sc rvic c Release
T C - C u rta ilment Invo lv in g P repa id Principal
U F • Un ap p lied Funds
U I • U n co llc c ted Horns
UN - Unknown
’K002CO"
RECIPtENTSn.ENDER'S name. aOdr«». ana taiapnone numbor
TO BANKNORTH
PO BOX 746
KEEN E, NH 03431-0746
800-442-1275
* CMJUon: amount thown
may not bo iWftr aeducitbie by
you. itrntfs b and on tho btvi
amount and tho coit and vaJua of
the secured property im / appfy
Aha. you may or.fy dodud intis -
to <Tio cwwiir il was ncum x i
by you, actually pod by you.
caxj ncf nlmburtod try asrXhor
pcnon.
OMB No. 1545 0301
M (
Form 1098
Mortgage
Interest
Statement
HECIPIEkirS Fod«fal M«nIT*Wls*> no
01-0137770
PAYER’S ««ial*9«jftt/ nu;ntw-
545-08-3544
1 Mortgage mtenj*1 iwcer/ed iicrf payw(«}/Bo(fowo»(6) *
1254.36 5
PAYERS/BORROWER'S namo. atioot mld'aoo (indWJJfig aW no.}, city, olaio. and ZIP coco
Twila A Wolf
44 Patten St Apt B
Bangor ME 04401-6226
llll III III III I lllll llll lllll llll lllll lllll 11111^11111111111 ill
2 Petal# pitW on pure ha «a ol prirolffll rooUoocv (Sw B0» 0n„«, ooQ
3 Refund cl oveipao irttireal (Sco Box 3on&ac«.) $ 0.00
1-------------------------------
Aocounl
Copy B
For Payer
Tne Inlounotiofi toxos
1 .2 . and 3 Is important lux
nilo«maUon and is being
furnished lo tno intainai
Rnvonuo SeiVfco. il you aro
roquueo lo file a return, a
negligence penalty o» cihw
sanction may bo »mpos«»d
on you il tno IR S determi;»es
that an urdcipaymont ot tax
results oocause you overtfa'.
od a deduction kx this
mortgago intOfest or lor thwo
pomtB or because you d*J not
report this rotund ol interest
_______on your return.
Form 1 0 9 8 Department ol Ihe Treasury • Intornal (Keep lor your records,) Revenue Service
II yarn mortgaoo loan wa* acquired by TO Banknorth during 2006 Uio tWQinnlnj balencoa on Principal and E»ctow aio Uit> amount* umufomxl riom your pfovloua aorvicor
PRINCIPAL UNAPPLIED ESCROW I BUYDOWN ACCOUNT BALANCE
BEGINNING
1 7 0 84 .1 1
BEGINNING
0 .0 0
BEGINWN3
0 .0 0
BEGINNING
BALANCE BALANCE BALANCE BALANCE 0 .0 0
AMOUNT AMOUNT AMOUNT DISBURSEMENTS
PAID 1 9 7 .1 4 PAID 0 .0 0 PAID 0 .0 0 0 .0 0
INTEREST SHORTAGE AMOUNT AMOUNT ADJUSTMENTS
ADDED TO PRINCIPAL 0 .0 0 DISBURSED 0 .0 0 DISBURSED 0 .0 0 0 .0 0
AMOUNT ESCROW
DISBURSEO 0 .0 0 INTEREST 0 .0 0
ENDING ENDING
0 .0 0
ENDING
0 .0 0
ENDING
BALANCE 1 6 8 8 6 .9 7 BALANCE BALANCE BALANCE 0 .0 0
INTEREST PAID IlNTEREST SHORTAGE UNPAID BALANCE] ESCROW DISBURSEMENTS | OTHER ITEMS
GROSS INTEREST
1 2 1 2 .9 0
BEGINNING
0 .0 0
HEAL ESTATE
PAID BALANCE TAXES DtSB’JRSEO 0 .0 0
PI.US PREPAID INT. NOT
ALLOWED PRIOR YEARS 0 .0 0
LESS INTEREST
0 .0 0
ACOED INTEREST
0 .0 0
INSURANCE
0 .0 0
LATE CHARGES
SU8SIDY (BUYDOWN) SHORTAGE DUE BUT UNPAID 0 .0 0
LESS INTEREST
SHORTAGE 0 .0 0
LESSPREPAtO INTEREST
0 .0 0
LESS INTEREST
0 .0 0
L f E AWEkOR
NOT ALLOWED THIS YR. SHORTAGE PREPAID DISABILITY 0 .0 0
PLUS INTEREST
SHORTAGE PAID 0 .0 0
LATE CHARGES
PAID 4 1 .4 6 ENDING
BALANCE 0 .0 0 MIP/PMI 0 .0 0
NET INTEREST
PAID 1 2 5 4 .3 6
MORTGAGE POINTS
PAID 0 .0 0
ESCROW
ReruNO 0 .0 0
REFUND OF
OVERPAID INTEREST 0 .0 0 MISCELLANEOUS 0 .0 0
PAYMENT CALCULATION
PRINCIPAL ♦
INTEREST
ESCROW/
IMPOUND
CREDIT
INSURANCE
SERVICE
CHARGE
REPLACEMENT
RESERVE
MISCELLANEOUS TOTAL
PAYMENT
0.00 0.00 0.00
SEE BACK SIDE FOR IMPORTANT INFORMATION
AF032P Rev I 12/06
Account Number: 5000067881
Our records show your Social Security Number or Tax ID Number as: 545-08-3544
If this information is correct. NO response is necessary. If the number shown is incorrect or
if no number is showing, Please complete the reverse side of this form, detach and mail to:
TD BANKNORTH
PO BOX 746
K EEN E, Ntt 03431-0746
Please contact our customer service department at !-800-442-1275 should you have questions
regarding this statement.
A person (including a financial institution, a governmental unit, and a cooperative
housing corporation) who is engaged in a trade or business and, in the
course of such trade or business, received from you at least $600 of mortgage
interest (including certain points) on any one mortgage in the calendar year
must furnish this statement to you.
If you received this statement as the payer of record on a mortgage on
which there are other borrowers, furnish each of tho other borrowers with
information about the proper distribution of amounts reported on this form.
Each borrower is entitled to deduct only the amount he or sho paid and points
paid by the seller that represent his or her share of the amount allowable as
a deduction for mortgage interest and points. Each borrower may have to
include in income a share of any amount reported in box 3.
If your mortgage payments were subsidized by a government agency, you
may not be able to deduct the amount of the subsidy. Seo the instructions for
Form 1040, Schedule A, C, or E for how to report the mortgage interest. Also,
for more information, see Pub. 936, Heme Mortgage Interest Deduction, and
Pub. 535. Business Expenses.
Account number. May show an account or other unique number the lendor
has assigned to distinguish your account.
Box 1. Shows the mortgago interest received by the interest recipient during
the year. This amount includes interest on any obligation secured by real property,
including a home equity, line of credit, or credit card loan. This amount
does not include points, government subsidy payments, or seller payments
w .. w - j w v t t l , IMXl V W I ■ U IIW U I IW H IS UOUUU1IUIU %JJ JUU w ill/ II I t,Otia»>
circumstances. Caution: If you prepaid interest in 2006 that accrued in full by
January 15,2007, this prepaid interest may be included in box 1. However, you
cannot deduct the prepaid amount in 2006 even though it may bo included In box
1. If you hold a mortgage credit certificate and can claim the mortgugo interest
credit, see Form 839$, Mortgage Interest Credit. If the interest was paid on a
mortgage, home equity, line of credit, or credit card loan secured by your persona)
residence, you may be subject to a deduction limitation
Box 2. Not all points are reportable to you. Box 2 shows points you or the seller
paid this year for tho purchase of your principal residence that are required to
be reported to you. Generally, these points are fully deductible In tho yoar paid,
but you must subtract seller-paid points from the basis of your residence. Other
points not reported in this box may also be deductible. See Pub. 936 or Schedule
A (Form 1040) instructions.
Box 3. Do not doduct this amount It is a refund (or credit) loroverpayment(s)
of Interest you made in a prior year or years. If you itemized deductions in the
year(s) you paid the interest, you may have lo include part or all of the box 3
amount on the 'Other Income' line of your 2006 Form 1040. No adjustment to
your prior year(s) tax retum(s) is necessary. For more information, see P i* . 936
and 'Recovenes* in Pub. 525, Taxable and Nontaxable Incomo.
Box 4. The interest recipient may use this box to give you other information,
such as the address of the property that secures the debt, real estate taxes, or
insurance paid from escrow.
B/109B
In order to venfy your deduction for mortgage interest paid during the calendar year, the IRS requires that you furnish your social security or taxpayer
identification number to us. Failure to provido this information can result in a $50 penally by the iflS . If you are an individual, please provide us with your
social security number in the space indicated below. If you are a company or a corporation, please provide us with your taxpayer identification number
(TIN) where indicated below. DETACH AND MAIL THIS FORM TO THE ADDRESS SHOWN ON THE FRONT OF THIS FORM.
B O R R O W E R __________________- ____________ - _________________________O R _______________ • ____________________________________________
Social S ecurity No. Taxpayer I.D. (TIN) No.
C O -BO R R O W E R __________________- ____________ - _________________________o r _______________ * ____________________________________________
Social S ecurity No. Taxpayer I D. fTiN) No.
CERTIFICATION - under the penalties of perjury, I certify that the informetion provided on this form is true, correct and complete
_ Co-Borrower_____________________________________________________Date _
signature signature
Twlla AWolI
44 Patten S t Apt B
Bannor ME 04401-6226
TRANSACTION DETAIL LISTING
TRN POST DUE TRANSACTION
CODE DATE DATE AMOUNT
AP 01/19/08 01/01/06 138.24
AP 02/13/06 02/01/06 138.24
AP 03/20/06 03/01/06 138.24
AP 04/10/06 04/01/06 138 24
AP 05/24/06 05/01/06 145.15
AP 06/30/06 06/01/06 138.24
PA 08/18/06 07/01/05 138.24
PA 08/18/06 08/01/06 165.88
CWP 08/18/06 08/01/06 27.64
FB 08/21/06 08/01/06 5.50
AP 10/10/06 09/01/06 138.24
AP 10/10/06 10/01/06 146.15
INTEREST PRINCIPAL ESCROW/
PAID PAID IMP-PAID
121.87 18.37 0.00
121.75 16.49 o.oc
121.63 16.61 0.00
121.51 16.73 0.00
121.39 16.85 0.00
121.27 16.97 0.00
121 15 17.09 0.00
121.03 17.21 0.00
0.00 27.64 0 0 0
0.00 0.00 0.00
120.71 17.53 0.00
120.59 1 7 6 5 0.00
LATE OPT-INS UNAPPLIED
CHARGE CONST-BAl FUNDS
0 0 0 0.00 0.00
0 0 0 0.00 0.00
0.00 0.00 0.00
0.00 0.00 0.00
6 9 1 0 00 0.00
0.00 0.00 0.00
0.00 0.00 0.00
27.64 0 00 0.00
0.00 0.00 0.00
0.00 0.00 0.00
0.00 0 0 0 0.00
6.91 0.00 0.00
AA - A dm inistra tive A d ju s tm en t
ANfC - C o n tra c tu a l Ch an g e lo Rate. T e rm , o r P ayment
o n ARM loan
AP - Regula r Mortgage P aym ent
AS - A ssumption
( 'A * C o n stru c tio n A d ju stm en t
CD • C o n stru c tio n D isb u rs em en t
CO • C a try o v c r Inte re st Dedu c tib le in Future T ax Year*
C P • Capita liz a tio n o f Interest
CR - C o n stru c tio n Receipt
C R L /CR P • C u rta ilm en t Reve rsa l Posted A u tom a tic a lly
C 1 7CTA/CW A/CW P - A d d itio n a l p a ym e n t to Principal
C TR - Rovcrsc A d d itio n a l P aym ent to Principal
ED • P aym ent Made from E sc row
E I/E IL /E IP /E IS • Inte re st o n E s c row P a id on A c co u n t
EOO • H09 • Esc row R e fu n d to Mortg ag o r
E10 - E 2 9 . Insurance Premium Paid
E4C - B49 - Private Mortgage In su ran c e Paid
E50 - 659 - FHA Mortgage In su ran c e Paid
E60 - E8V • M isc e llan eo u s Paym en t Made from Esc row
1:90 • li9V - Real lislatc Taxes Paid
FB - Fee Billed to Mo rtg ag o r
FC • F ore c losure
FE • Fee Paid by M ortgagor
FEA • Fee P aym ent Posted T h ro u g h A u lopost
FP - Fee P aym ent C o lle c ted b ut not Billed
FR • Reversal o f Fee Paid b y Mo rtg ag o r
FS/FW - Foreclosure
FWA/FWP - C o lle c tio n o f Billed Fee
FWV • Fee P aym ent Reve rsed o r W aived
G P G o v e rnm en t S u b s id y P ayment
LCW - I Ate C ha rge Waived
MOO - M99 - Same a s liOQ - E99
PA • Regula r Mortg ag e P aymen:
PF/PFL > P a y o ff o f Mortg ag e Loan
PP - Partial Payment
PR-TRL'PRP/PRN - Paymonl h a s b e en Rove iscd
RP • R egula r Mortgage Payment
R00 • R 99 • R e c e ipt to E sc row Balance
SR /SRA /SRU SW A /SW P • App lic a tio n lo A c co u n t
SRB - Buydown Balanco Ad ju stm en t
SV - Service Release
T C - Curta ilm en t Invo lv in g Prepa id Principal
U F • Un ap p lied Funds
U l • Un co lle c ted Horns
UN - Unknown
K 00780
ID BANKNORTH
PO BOX 746
KEENE, NH 03431 -0746
800 -442 -1275
may not oo ftjffy deductible by
you Limits boiwd on the loan
amount and tho cost end vaVo ol
tho tocurpd property may app'f.
Also, you may only deduct M wost
to itm axxont it was Incunva
by you, actually paid t>y you.
end not rwmbursad by &iot>w «aaa
vmo iiv, t y s u w i
m o 7
Fwm 1098
Mortgage
Interest
Statement
nEClPIENFS FedftWI Ww*«tai!>Cfi no.
01 -0137770
PAYER'S 6CC!ftl security nt/mbor
545 -08 -3544
1 Mortgago imorssi rocolvod trom paye[(s)tewow0'[s) *
$ 1584.73
(DYER'S/BORROWERS rttnu. aliwrt (tnchitfing apl no J. dty, Halo, ard ZIP codo
Tw ilaA W o lf
44 Patters St Apt B
Ban g o r ME 0 4 4 0 1-6226
l l l i i i i l i i l i l i i i l l i i i i i i l l i l i i i i i i i l i i l i l i l l i n l n l i i i i l l n i l l
2 Potnw paW on purennse o\ prrrctpai rosdurvco (Sea
Box 2 on back)
$ 0.00
3 Rotund of ovorpald Intoroc*. tSoo Box 3 on back.)
S 0.00
4 Mortgago nsufftfvco Premiums
$ 0.00
Account »x»nbor (soa Insuucttono)
500006/881
Copy B
For Payer
Tiw into; walton in boxos 1. 2.
3. and 4 a important tax Wenmatron
and -a bolng lurnlahod lo
tho Internal Revenue S«wv1cb
II yuu are roquirod to Wo a
rotum. o noflVyefKO penalty or
other aaoctior> may ba lmpoo«cJ
on you >1 (Tie IRS dotormJrvin
tlwl an underpayment ol lax
roojlta because you ovorctalod
a deduction tor this mcrigago
mteriui or lot iheeo points or
because you dfd nol rop<yl ihu
nrfuod ol Interns! on yovr rotum
Form 1 0 9 8 ♦0169M9 000010406 0&8N02-0816410 (Keep tor your records.) Dopartmont of Iho T reasury • Intornol Rovonue Sorvico
II youi mortgago loan waa acquired by TD Banfcnorth during 2007 tl»o bcgmrlng be:anco» on Principal and E»crow are tho amount* tramteircd from your provwm »etvicat
PRINCIPAL 1 UNAPPLIED ESCROW I BUYDOWN ACCOUNT BALANCE
BEGINNING
1 6 8 8 6 .9 7
BEGINNING
0 .0 0
BEGINNING)
0 .0 0
BEGINNING
BALANCE BALANCE BALANCE BALANCE 0 .0 0
AMOUNT AMOUNT AMOUNT DISBURSEMENTS
PAID 3 3 2 .2 9 PAID 0 .0 0 PAID 0 .0 0 0 .0 0
INTEREST SHORTAGE AMOUNT AMOUNT ADJUSTMENTS
ADDED TO PRINCIPAL 0 .0 0 DISBURSED 0 .0 0 DISBURSED 0 .0 0 0 .0 0
AMOUNT ESCROW
DISBURSED 0 .0 0 INTEREST 0 .0 0
ENDING
1 6 5 5 4 .6 8
ENDING
0 .0 0
ENDING
0 .0 0
ENDING
BALANCE BALANCE BALANCE BALANCE 0 .0 0
INTEREST PAID INTEREST SHORTAGE UNPAID BALANCE!' ESCROW DISBURSEMENTS OTHER ITEMS
QROS3 INTEREST
1 5 5 0 .1 8
BEGINNING
0 .0 0
REAL ESTATE
PAID BALANCE TAXES DISBURSED 0 .0 0
PLUS PREPAID INI. NOT 0 .0 0 ALLOWED PRIOR YEARS
LESS INTEREST
0 .0 0
ADDED INTEREST 0 .0 0
INSURANCE 0 .0 0
LATE CHARGES
SUBSIDY (BUYDOWN) SHORTAGE DUE BUT UNPAID 0 .0 0
LESS INTEREST 0 .0 0 SHORTAGE
LESS PREPAID INTEREST 0 .0 0 LESS INTEREST o 0 .0 0
LIFE ANCHOR 0 .0 0 NOTALLOWED THIS Y R SHORTAGE PREPAI DISABIUTY
p l u s in t e r e s t SHORTAGE PAID 0 .0 0
LATfc CHARGES 3 4 .5 5 ENDING 0 .0 0 0 .0 0
PAID BALANCE MIP/PMI
NET INTEREST
PAID 1 5 8 4 .7 3
MORTGAGE POINTS
PAID 0 .0 0
ESCROW
REFUND 0 .0 0
REFUND Of
OVERPAIO INTEREST 0 .0 0 MISCELLANEOUS 0 .0 0
PAYMENT CALCULATION
PRINCIPAL . cSUHOW/ CREDIT SERVICE REPLACEMENT MISCELLANEOUS TOTAL
INTEREST MPOUNO INSURANCE CHARGE RESERVE PAYMENT
1 3 8 .2 4 0 .0 0 0 .0 0 0 .0 0 0 .0 0 0 .0 0 1 3 8 .2 4
SEE BACK SIDE FOR IMPORTANT INFORMATION
AFOSPO A n l lW
Account Number 5000067881
Our records show your Social Security Number or Tex ID Number as: 545 -08 *3544
If this Information Is correct, NO response is necessary. If the number shown Is incorrect or
if no number is showing, Please complete the reverse side of this form, detach and mail to:
TD BANKNORTH
PO BOX 746
K EEN E, NH 03431 0746
Please contact our customer service department at 1 -600 -442 *1275 should you have questions
regarding this statement.
If yo u r loan c lo sed In 2007 and you paid mortgage In su ra n c e , you may qu a lify fo r a new
Income tax d educ tio n. C o n su lt with y o u r ta x ad v iso r.
What's new. See the Instructions tor box 4 for an additional Interest deduction
which may be available to you.
A person (including a financial institution, a governmental unit, and a cooperative
housing corporation) who is engaged In a trado or business and, In tho
course of such trade or business, received from you at least $6(X) of mortgage
interest (including certain points) on any one mortgage In the calendar year
mu3t furnish this statement to you.
If you received this statement as the payer of record on a mortgage on
which there are other borrowers, furnish each of the other borrowers with
information about (he proper distribution of amounts reported on this form.
Each borrower is entitled to deduct only the amount he or she paid and points
paid by the seller that represent his or her share of the amount allowable as
a doduction. Each borrower may have to include in income a share of any
amount reported In box 3.
If your mortgage payments were subsidized by a government agency, you
may not be able to deduct ihe amount of the subsidy See the instructions for
Form 1040. Schedule A, C, or E for how to report the mortgage interest. Also,
for more information, see Pub. 936, Home Mortgage Interest Deduction, and
Pub. 535. Business Expenses.
Account number. May show an account or other unique number the lender
has assigned to distinguish your account.
Box 1. Shows the mortgage Interest received during tho year. This amount
Includes Interest on any obligation secured by real properly, including a home
equity, line of credit, or credit card loan. This amount does not Include points.
government subsidy payments, or seller payments on a 'buy-down* mortgage
Such amounts are deductible by you only in certain circumstances. Caution: If
you prepaid interest In 2007 that accrued in full by January 15, 2000. this p repaid
Interest may be included in box 1. However, you cannot deduct the propaid
amount in 2007 ovon though it maybe included in box 1. If you hold a mortgage
credit certificate and can claim the mortgage interest credit, see Form 8396,
Mortgage Interest Credit. If the interest was paid on a mortgage, home equity,
lino of crodit, or credit card loon secured by your personai residence, you may
be subject to a deduction limitation.
Box 2. Not all points are reporiable to you. Box 2 shows polnls you or the seller
paid this year for the purchase of your principal residence that aro required lo be
reported to you. Generally, these points are fully deductible in the year paid, but
you must subtract seller-paid points from the basis ol your residence. Other points
may also be deductible. See Pub. 036 or Schedule A (Form 1040) instructions.
Box 3. Do not deduct this amount. It Is a relund (or credit) for overpayment(s)
ot interest you made in a prior year or years. If you itemized deductions in the
yoar(s) you paid the interest, you may have to indude part or all of the box 3
amount on the ’Other income* line of your 2007 Form 1040. No adjustmont to
your prior year(s) tax return(s) Is necessary. For more information, see Pub. 936
and Recoveries in Pub. 525, Taxable and Nontaxable income.
Box 4. Shows mortgage insurance premiums which may qualify to be treated as
deducllble mortgage Interest. See the Sch. A (Form 1040) instructions.
Box 5. The interest recipient may use this box to give you other information,
such as ihe address of the property that secures ihe debt, real ostato taxos. or
insurance paid from escrow.
B/1098
In order to verify your deduction for mortgago interest paid during the calendar year, the IRS requires that you furnJsh your social security or taxpayer
identification number to us. Faiiuro to provide this information can result in a $50 penalty by thB IRS. If you are an individual, please provide us with your
social security number in Ihe space Indicated below. If you are a company or a corporation, please provide us with your taxpayor identification number
(TIN) whero indicated below. DETACH AND MAIL THIS FORM TO THE ADDRESS SHOWN ON THE FRONT OF THIS FORM
B O R R O W E R __________________• ____________ - _________________________O R _______________- ____________________________________________
Social Security No. Taxpayer l.D. (TIN) Mo.
C O -BO R R O W E R __________________ • ____________ - _________________________0 R _______________• ____________________________________________
Social Security No. Taxpayer IO . (TIN) No.
CERTIFICATION - under the penalties of perjury, I certify that tho information provided on this form is true, correct and complete
_ Co-Borrower _
signature signature
t 0189949 00001W 06 C98N02 -C91M10
Twila A Wolf
44 Patten St Apt B
Bangor ME 04401 -6226
TRANSACTION DETAIL LISTING
TRN POST DUE
COOE DATE DATE
F0 01/04/07 10/01/06
AP 02/06/07 11/01/06
SWA 02/06/07 11/01/06
FWA 02/06/07 11/01/06
FWA 02/08/07 11/01/06
SRA 02/12/07 11/01/06
SRA 02/12/07 11/01/06
SRA 02/12/07 11/01/05
PA 02/13/07 12/01/06
PA 02/13/07 01/01/07
PA 02/13/07 02701/07
CT 02/13/07 02/01/07
SRA 03/07/07 02/01/07
PA 03/09/07 03/01/07
SRA 06/04/07 03/01/07
PA 06/05/07 04/01/07
PA 06/05/07 05/01/07
PA 06/05/07 06/01/07
AP 07/06/07 07/01/07
AP 06/07/07 06/01/07
AP 09/11/07 09/01/07
AP 10/17/07 10/01/07
AP 11/06/07 11/01/07
TRANSACTION
AMOUNT
9 0 0
145.15
85.35
9.00
5 5 0
145.15
14 5 1 5
138.24
000 00.0000
0.00
138 2 4
000
428.54
0.00
000
0.00
138 24
138.24
138.24
138.24
138.24
INTEREST
PAID
0.00
120 4 6
0.00 0.00
0.03
0.00 0.00
0.03
120.33
120.21
120.08 00..0000
119.34 000
1 1 9 2 0
119.07
118 93
118 79
118.65
118.52
118.37
118.23
NCIPAL ESCROW/ LATE OPTINS UNAPPLIED
PAID IMP PAID CHARGE CONST -8AL FUNDS
0.00 0.00 0.00 0.00 0.00
17.78 0.00 6.91 000 0.00
0 00 0.00 0.00 0.00 85 35
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.30 145 15
0.00 0.00 0.00 0.00 145 15
0.00 3.00 0.00 000 138 24
17.91 0.00 6.91 0.00 •145 15
18.03 0 00 6.91 0.00 •145.15
18.16 000 0.00 0.00 •13B.24
35.35 0.00 0.00 000 •85 35
o.co 0.00 COO 0.00 138.24
1890 000 000 0.00 •138.24
3.00 0.00 000 000 42854
19.04 0.03 6.91 0.00 •145.15
19.17 0.00 6.91 0.00 •145.15
19.31 0.00 0.00 0.00 •13824
V9.45 0.00 0.00 0.00 000
79.59 0.00 0.03 0.00 0 0 0
19.72 0.00 0.00 0.00 o.co
19.87 000 0.00 0.00 0.00
20 01 o.co 0.00 0.00 0.00
AA - Adm in istra tiv e A d ju stm en t
AM C • Co n tra c tu a l C h an g e to Rate. Term, o r Payment
on A RM loon
AP - Reg u la r M ortgage P ayment
AS - Assum p tio n
CA - C o n stru c tio n A d ju stm en t
CD • C o n stru c tio n D isbursement
CO - Ca rry o v e r Interest D ed uc tible m Future T a x Years
Cl* - Capita liz a tio n oi'Io tc rc s!
OR - C o n stru c tio n Receipt
CR L /CRP -C u ita ilm c n i R eve rsa l Posted A u toma tic a lly
C 7 /C TA /CW A /CW P - A d d itio n a l p aym ent to Principal
CTR- Rovcreo A d d itio n a l P ayment to Principal
ED - Paymont Made from Esc row
EI/EIL/E1P/EIS - Inte re st o n Esc row Paid on A c co u n t
E 0 0 • E 09 - Escrow R e fund lo M ortgagor
E 1 0 * E29 - Insurance Premium Paid
£ 4 0 - E4 9 - Private Mortgage Insuranc e Paid
E 5 0 * E59 - FHA Mortgage Insu ran c e Paid
E60 - Efi9 • Misc e llaneous P ayment Made from lisc row
E 90 - E99 - Real Estate T a x e s Paid
FB - Fee B illc i lo Mortgagor
FC - F o rc c lo su ie
F E - Fee Paid oy Mortgagor
FEA • I*ee P ayment Posted T h ro u g h A u topost
FP - Fee Pay:r.eni Colle c ted b ut n ot Billed
FR - Reve rsa l o f Fee Paid by Mo rtg ag o r
FS/FW • F oreclosure
FW A/FW P • C o lle c tion o f Billed Fee
FW V - Fee P ayment Reversed o r W aived
G P - G o v e rnm en t S u bsidy Payment
LCW • Laio Chargo Waived
MOO - M99 - Same a s U00 - 1*99
PA - Reg u la r M ortgage P ayment
P F /P F L - P a y o f f o f M ortgage Loan
PP - P a rtia l Payment
PR/PRL /PR P /PRN - P aym ent h a s b e en Reve rsed
RP • R e g u la r M ortgago Payment
ROD - R99 - R e c e ip t lo Esc row Balance
SR /SRA /SR L 'SW A /SW P - A p p lic a tion to Ac count
SRB - B uydown Ba lanc e A d ju stm en t
SV - Sc rvic c Release
T C - C u rta ilm en t Inv o lv in g Prepa id Principal
U F - U n ap p lied Funds
U l • Unco llo c ted Items
UN - Unk n ow n
K00380
w w i i u v • u u \n «-l i o v w u ;
flEC iP iE tfiB a B ftW K s (fokA.nddrew. and tabphono numb*
PO BOX 746
KEENE.NH 03431 -0746
800 -442 -1275
• Caution: The amount inawn
may not be fuff/ cfeOucfr&o by
you. Umits u w J a n Vn lurvi
amount and tho cojt Ofld vaiwe ot
tho avcurtxJproperty may nppty.
A'so fou nvy only OeOi/ct interest
to the extent was incurred
by you, actuary paid by you,
anti not reimbursed by anotho/
punson.
OMB No. 1545-0901
M 0 8
Form 1098
M o r t g a g e
In t e r e s t
S t a t e m e n t
RECIPlElVr'S'MiWii Jd6<Vlicaifon tw PAY E Wfotfer t Mortgage in)«r*tt received fro'f *
$
C o p y B
F o r P a y e r
The tntormal/on « baws 1. 2.
3, and 4 (9 Important tax Into/-
maSon and is bemo lumtsbod :o
rho tntoma' Rovww Service,
tt you are required lo Wo A
return. a nagligaoce penalty of
othor sanction may bo mposod
co you it th« IRS daterminuf
tnat on undorpayroonl ol tax
ro suite bocauw you overstated
a deduction tor lh» moitgapa
Interest or tor Uiom points or
PAYER'S'BORROWER'S namo. sue* aodross (nduoing apt. no.), city. stew, and ZIP coop
Twila A Wolf
44 Patten St Apt B
Bangor M E 0 44 0 1 -6226
l l l . . . . l . . f . l . . l l l .......
2 Points paid on purchaso ol pf'meipal 'oryJcjns (Soo
Box 2 on bade)
Is
3 Rdund ol overpaid irteresl (So* Box &^Uck.)
$
4 Mortflogo Insurance Premium* 0.00
$
Account numbor (coo insvodtons) rotund ot interest on your return.
Form 1 0 98 (Keep tor your rocords.) Deportment ol tho Troocury • Intorrol Revenue Servico
If your mongagc loon was acquired by TD Bani. N A during 7008 tho beginning balances on Principal and Escfow are ttio amounts lianafortpd from your previous aoivicar
PRINCIPAL T ~ UNAPPLIED ESCROW I BUYDOWN ACCOUNT BALANCE
BEOINNINO 16554.68 BEGINNING 0.00 BEGINNING 0.00 BEGINNING BALANCE BALANCE BALANCE BALANCE 0.00
AMOUNT AMOUNT AMOUNT DISBURSEMENTS
PAID 273.45 PAIO 0.00 PAID 0.00 0.00
INTEREST SHORTAGE AMOUNT AMOUNT ADJUSTMENTS
ADDED TO PRINCIPAL 0.00 DISBURSED 0.00 DISBURSED 0.00 0.00
AMOUNT ESCROW
DISBURSED 0.00 INTEREST 0.00
ENDING 16281.23 ENDING 0.00 ENDING 0.00 ENDING BALANCE BALANCE BALANCE BAIANCE 0.00
INTEREST PAID IlNTEREST SHORTAGE UNPAID BALANCE! ESCROW DISBURSEMENTS OTHER ITEMS
GROSS INTEREST 1523.67 BEGINNING 0.00 REAL ESTATE PAID 8ALANCE TAXES DISBURSED 0.00
PLUS PREPAID INT. NO 1 0.00 ALLOWED PRIOR YEARS
LESS INTEREST 0.00 ADDED INTEREST 0.00 INSURANCE 0.00 LATE CHARGES 0.00 SUBSIDY (BUYDOWN) SHORTAGE DUE BUT UNPAID
LESS INTEREST 0.00 SHORTAGE
LESS PREPAID INTEREST n nn LESS INTEREST n nn LIFE ANOOR 0.00 NOT ALLOWED THIS YR. SHORTAGE PREPAID v OISAB'LITY
PLUS INTEREST 0.00 SHORTAGE PAID
LA IICH A RG ES 13.82 ENDING 0.00 MIP/PMI 0.00
PAID BALANCE
NET INTEREST
PAtD 1537.49
MORTGAGE POINTS
PAID 0.00
ESCROW
REFUND 0.00
REFUND OF
OVERPAIOINTERES T 0.00 MISCELLANEOUS 0.00
PAYMENT CALCULATION
PRINCIPAL ♦ ESCROW/ CREDIT SERVICE REPLACEMENT MISCELLANEOUS TOTAL
INTEREST IMPOUND INSURANCE CHARGE RESERVE PAYMENT
138.24 0.00 0.00 0.00 0.00 0.00 138.24
SEE BACK SIDE FOR IMPORTANT INFORMATION
Af04M£ H*» 1 iiyoe
a
Account Number: 5000067881
Our records show your Social Security Number or Tax ID Number as: 545 -08 *3544
If this information is correct, NO response is necessary. If the number shown is incorrect or
if no number is showing. Please complete the reverse side of this form, detach and mall to:
TD BANK, N.A.
PO BOX 746
KEENE, NH 03431 -0746
Please contact our customer service department at 1 -800 -442 -1275 should you have questions
regarding this statement.
If your loan closed In 2007 or 2008 and you paid mortgage Insurance, you may qualify for
a new income tax deduction. Consult with your tax advisor.
XPH18-0CF
What's now. See the Instructions for box 4 for on additional interest deduction
which may be available to you.
A person (including a financial Institution, a governmental unit, and a cooperative
housing corporation) who is engaged in a trodo or business and, in ihe
course ol such trade or business, received from you al least $600 of rnortgago
interest (including certain points) on any one mortgage In the calendar year
must furnish thi3 statement to you.
If you received this statement as the payer of record on a mortgago on
which there ere other borrowers, furnish each of the other borrowors with
information about the proper distribution of amounts reported on this form.
Each borrowor is entitled to deduct only the amount he or she paid and points
paid by Ihe seller that represent his or her share ol the amount allowable as
a deduction. Each borrower may have to include in income a share of any
amount reported in box 3.
If your mortgage payments were subsidized by a government agency, you
may not be able to deduct the amount of the subsidy. See the instructions for
Form 1040. Schedule A, C, or E for how to repon tne mortgage interest. Also,
for more information, see Pub. 936, Homo Mortgago Intorest Deduction, and
Pub. 535, Business Expenses.
Account number. May show an account or other unique number the lender
has assigned to distinguish your account.
Box 1. Shows the mortgage interest received during the year. This amount
Includes interest on any obligation secured by real properly, including a home
equity, line of credit, or credit card loan. This amount does not include points.
government subsidy payments, or seller payments on a 'buy-down* mortgage.
Such amounts are deductiblo by you only In cortain circumstances. Caution: If
you prepaid interest in 2007 that accrued in full by January 15, 2006. this prepaid
interest may be included in box 1 However, you cannot deduct the prepain
amount in 2007 oven though it may bo includod <n box 1. If you hold a mortgago
credit certificate and can claim the mortgage interest credit, see Form 83%.
Mortgago Interest Credit. If Ihe interest was"paid on a mortgage, home equity,
line of credit, or credit card loan secured by your personal residence, you may
be subject to a deduction limitation.
Sox 2. Not all points are reportable to you. Box 2 shows points you or the seller
paid this year for the purchase of your Drincipal residence that are required to bo
reported lo you. Generally, these points are fully deductible in the year paid, but
you must subtract seller-paid points from the basis of your residence. Other points
may also be deductible. See Pub. 936 or Schedule A (Form 1040) Instructions.
Box 3. Do not deduct this amount. It Is a refund (or credit) for overpayment^}
of interesl you made In a prior year or years. If you itemized deductions in Ihe
year(s) you paid the interest, you may have to Include part or all of the dox 3
amount on the 'Other income* line of your 2007 Form 1040 No adjustment to
your prior yoar(s) tax rotum(s) is necessary. For more information, soe Pub. 936
and Rocovenes'm Pub. 525, Taxable and Nontaxabie Income.
Box 4. Shows mortgage insurance premiums which may qualify to be treated as
deductible mortgage interest. See 1h6 Sch. A (Form 1040) instructions.
Box 5. The interest rocipient may use this box to give you other information,
such as the address of the property that secures the debt, real estate taxes, or
insurance paid from escrow.
B/1098
In order to verify your deduction tor mortgage Interest paid during the calendar year, the IRS requires that you furnish your social security or taxpayer
Identification number to us. Failure to provide this information can result in a S50 penalty by the IRS. If you are an Individual, please provide us with your
social security number in the space indicated below. If you are a company or a corporation, please provide us with your taxpayer identification number
(TIN) where indicated oelow. DETACH AND MAIL THIS FORM TO THE ADDRESS SHOWN ON THE FRONT OF THIS FORM
BORROWER __________________• ____________ • _________________________O R ______________ - ____________________________________________
Sociol Security No. Taxpayor I.D. (TIN) No.
C O -BO R ROW E R __________________ • ____________ - _________________________o r _______________- ____________________________________________
Sociol Security N.\ Taxpayer I.O. (TIN) No
CERTIFICATION • under the penalties ol perjury, I certify that the Information provided on this form is true, correct and complete.
B o rrow e r_______________________________________________________ Co-Borrower______________________________________________________Date_____________________
signature signature
0221959 000009409 C98N02 -091641C
Twiia A Wolf
44 Patton St Apt B
Bangor ME 04401 -6226
TRN POST DUE
CODE DATE DATE
AP 01/11/08 12/01/07
SRA 01/11/05 12/01/07
PA 01/14/08 01/01/08
AP 02/13/08 02/01/08
AP 03/07/08 03/01/08
AP 04/08/08 04/01/08
AP 06/06/08 05/01/08
AP 06/06/08 06/01/08
AP 07/14/08 07/01/08
AP 08/15/09 08/01/08
AP 09/12/08 09/01/08
AP 10/16/08 10/01/08
AP 11/10/08 11/01/08
AP 12/15/08 12/01/08
TRANSACTION DETAIL LISTING
TRANSACTION
AMOUNT
138.24
145.15 0 00
138-24
138.24
139.24
145.19
135.24
138 24
138 24
138.24
133.24
138.24
138.24
INTEREST
PAID
118.09 0.00
117.95
117.80
117.86
117.51
117.36
117.21
117.06
116.91
116.76
118.61
116.45
116 30
NCIPAL ESCROW/ LATE OPT-INS UNAPPLIED
PAID IMP-PAID CHARGE CONST-BAL FUNDS
20.15 0.00 0.00 000 000
0.00 0.00 0.00 0.00 145.15
20.29 0.00 6.91 000 •145.15
20.44 0.00 0.00 0.00 000
20.58 0.00 ooo 0.00 0.00
20.73 0.00 0.00 0.00 0.00
20.88 0.00 6.91 0.00 000
21.03 0.00 000 0.00 0.00
21.18 000 000 000 0.00
21.33 0.00 0.00 0.00 0.00
21.48 0.00 0.00 000 0.00
21.63 0.00 0 00 0.00 0.00
21.79 0.00 000 0.00 0.00
21 94 0.00 ooo 0.00 0.00
a. >1 1 0 1 i .w i v v / w j d i / i i r u n i i v / l ' f O
AA • Adm in istra tiv e A d ju stm en t
AM C - Co n tra c tu a l C h an g e lo R ite , T erm, o r Payment
on ARM Joan
AP - R egula r M ortgage Payment
AS - A ssumption
CA - Constru c tio n A d ju stm en t
CD • Constru c tio n D isbursement
CO - C a rry o v e r Inte re st Dedu c tib le in Future Tax Yeans
CP - Capita liz a tio n o f Inte re st
CR • C o n stru c tio n Receipt
C R I /C R P - C u rta ilm en t R eversal Posted A u tom a tic a lly
C 1 7C TA /CW A /CW P . A d d itio n a l p aym en t to Principal
C 7R - Rcvereo A d d itio n a l P ayment to Principal
ED - P ayment Made from Esc row
EL/EIL/E1P/EJS • Inte re st o n Esc row Paid o n A c co u n t
E00 - E09 - Esc row Rofuml to Mo rtg ag o r
E 10 • F.29 - Insurance P icm ium Paid
E40 • E49 - Private Mortgage In su ran c e Paid
ESO - E59 - FHA Mortgage Jn sum n c e Paid
E60 • E89 - Miscellaneous P aym ent Made from Escrow
E90 • E99 - Real Estate T ax e s Paid
FB • Fee Billed lo M ortgagor
FC - F oreclosure
Fli - Fee Paid b y Mortgugor
r'EA - Pee Payment Posted Through Aulo|>osl
FP - Fee P ayment Coilc c ted b u t not Billed
FR • Reversal o f Fee Paid b y Mo rtg ag o r
FS/FW - F oreclosure
FWA/FWP - Colle c tion o f Billed Feo
FWV - Fee P ayment R eversed o r Waived
G P • G o v e rnm en t Su b sid y P aym ent
LCW - Late Charge Waived
MOO • M 9 9 - Sam e a s EOQ - ISW
PA - R eg u la r M ortgage Payment
P F /P F L - P a y o f f o f M ortgage Loan
PP - P a rtia l Payment
PR/PRL/PRP/PRN - P aym en t h a s b e e n Reversed
RP - R eg u la r M ortgage P aym ent
R00 - R99 - R e c e ip t to E sc row Ba lanc c
SR>SRA/SRL/SW A AS W P - A p p lic a tio n to A c c o u n t
SRB - B u y d ow n B a lanc e A d ju s tm en t
SV - Se rv ic e Release
T C - C u rta ilm en t Invo lv in g P repa id Pnn c ip a l
U F - U n ap p lied F u n d s
U l - Un co lle c ted Items
UN - Unkn ow n
K007G0
Q CORRECTED (if checked)
--------TD-8ANK-------------------------------------------------------------------
R EC lF lE |0(5^J^ R j5}-g rno. address, and leleptxxw number
KEENE.NH 03431 -0746
800 4 4 2 *1275
01-0137770 545-08-3544
• Caution: Tho amount shown
may not bo hifiy tiodiKt&v by
you. Units b&sea on (ho toan
aiiKxtnl ana tho cost wxl vtriuo of
(he sacvnjd property may sppr/.
ACso, you may only aodvct interast
to tho axtertt n was ItKitmd
by you. eava'Jy paid by you,
and not mtmbwscd by another
OMO No. 1546-0901
1®09
57#?T01098
Mortgage
Interest
Statement
RECIPIENTS Fodoral Wonfficallon no. PAYER'S social sacunty number 1 Monpapo Internet nxotod trom payor{3yborrow<w(j) *
$
Copy B
For Payer
Tho tntorms’ion m batos 1.2.
3. wkJ « a Unportan: tax Iniocmaikxi
and a bo-ng lumishod lo
tho Inlorrol R&vwuo Sorvtco.
II you nra rnqulrod lo tr« a
ifilurn. * notf gonce penutry or
olhor siuv-.vn moy be impo*t»d
so you il tho IRS dtflwminea
Vhal on underpayment ol tax
results bocnj«» you overstated
o deduction tor this mod gage
intorool o' lor thaso pOrf>Iv or
Twilo A W o lf
44 Ps ttcnSt A p lB
Bangor MF. 0 4 4 0 1 *6226
l l l l H l l l l l l l l l l l l l l l I J l l l l l l l l l l i l l l l l l l l l l l l l l l l l l l t l l l l l t l l
0.00
2 Points patf on purchase of principal roftj&Qo (Goo
Box 2 on ti^ck)
* onn
3 Refund ol ovorpaid Inlorosl (S*o Box 3 on back.)
$ nno
4 Moflguflo Insurance Piemlums
5 5000067881
Account number (600 Instructions) roiund ol tntafact on your rotum.
s
Form 1098 (Keep for your reoords.) Dopurtment of Ihe Treasury - Interna* Revenue Service
If your mortgago loon wo osquUotl hy TP Bank during 2009 ihe bcptnninp boloncca on Principal ontf Esoiow arc tho omounta transfefrad trom your previous soivicef_______________________
PRINCIPAL T ~ UNAPPLIED ESCROW I BUYDOWN ACCOUNT BALANCE
BEGINNING
BALANCE 16281.23 BEGINNING
BALANCE 0.00 BEGINNING
BALANCE 0.00 BEGINNING n
BALANCE 0.00
AMOUNT
PAID
INTEREST SHORTAGE
ADDED TO PRINCIPAL
112.10
0.00
AMOUNT
PAID
AMOUNT
DISBURSED
0.00
0.00
AMOUNT
PAID
AMOUNT
DISBURSED
0.00
0.00
DISBURSEMENTS
0.00
ADJUSTMENTS
0.00
AMOUNT
DISBURSED 0.00
ESCROW
INTEREST 0.00
ENDING
BALANCE 16189.13 ENDING
BALANCE 0.00 ENDING
BALANCE 0.00 ENDING
BALANCE 0.00
INTEREST PAID INTEREST SHORTAGE UNPAID BALANCE! ESCROW DISBURSEMENTS | OTHER ITEMS
GROSS INTEREST
PAID 579.10 BEGINNING
BALANCE 0.00 REAL ESTATE
TAXES DISBURSED 0.00
PLUS PREPAID INT. NOT
AILOWEO PRIOR YEARS 0.00
LESS INTEREST
SUDS DY (BUYDOWN) 0.00 ADDED INTEREST
SHORTAGE 0.00 INSURANCE 0.00 LATE CHAR3ES ^ o oo
OUE6UT UNPAID
LESS INTEREST
SHORTAGE 0.00
LESS PREPAtO INTERES1
NOT ALLOWED THIS YR. 0.00 LESS JNTERES' n RO
SHORTAGE PREPAID u'uu LIFE AND'OR a nn
DISABILITY w-w,;
PLUS INTERE8T
SHORTAGE PAID 0.00
LATE CHARGES
PAID 0.00 ENDING
BALANCE 0.00 MIP/PMI 0.00
NET INTEREST
PAID
MORTGAGE POINTS
PAID
579.10
0.00 ESCROW
REFUND 0.00
REFUND OP
OVERPAID INTEREST 0.00 MISCELLANEOUS 0.00
PAYMENT CALCULATION
PRINCIPAL *
INTEREST
ESCROW/
IMPOUND
CREDIT
INSURANCE
SERVICE
CHARGE
REPLACEMENT
RESERVE
MISCELLANEOUS TOTAL
PAYMENT
1 3 8 .2 4 0.00 0.00 0.00 0.00 0 .0 0 1 3 8 .2 4
SEE BACK SIDE FOR IMPORTANT INFORMATION
WO&CK rev I tVOO
Account Number: 5000067881
Our records show your Social Security Number or Tax ID Number as: 545 -08 *3544
If this information is correct, NO response Is necessary. If the number shown Is Incorrect or
If no number is showing, Please complete the reverse side of this form, detach and mall to:
TD BANK
PO BOX 746
KEENE.NH 03431 -0746
Please contacl our customer service department at 1-800 4 42 -1275 should you have questions
regarding this statement.
The amount reported in Box 5 represents mortgage Insurance premiums received from you in
2008 but applicable to periods after 2008. Please consult your tax advisor.
XPidinnnn
* \J/i IUVS VUUU^IOU v ton v / worn IU
Twila A Wolf
44 Patten St ADt B
Bangor ME 04401 -6226
TRANSACTION DETAIL LISTING
TRN POST DUE TRANSACTION INTEREST PRINCIPAL ESCROW/ LATE OPT -INS UNAPPLIED
CODE DATE DATE AMOUNT PAID PAID IMP-PAID CHARGE CONST ■0AL FUNDS
AP 0^/22/09 01/01/09 138.24 118.14 2210 000 0 00 0.00 0.00
AP 02/12/09 02/01/09 138 24 115 98 2226 0.00 000 0.00 0.00
AP 03/05/09 03/01/09 138 24 115.82 22.42 0.00 000 0.00 0.00
AP OS'13/09 04/01/09 138 24 115.66 22.58 0.00 000 0.00 000
AP 05/13/09 05/01/09 138.24 115.50 22.74 0.00 000 0.00 000
F8 09/01/09 05/01/09 103.00 0.00 0.00 0.00 0.00 0.00 000
RSC'PIENT^S/LENUER'S name. oddtoss. end telophono number
TD BANK
PO BOX 746
KEENE,NH 03431 -0746
800 -442 -1275
* Caution: rhu mount shown
may rot bo fatty doducfcWo by
you. L In is buod on lh$ loan
tmocj'V ana tfw coif end vitluei at
tho secvnrt property may oppty.
A/so. you may only deduct interoat
lo tho extent it rroj incutrod
by you. actually paid by you,
and noi mlmbunod by another
pon on.
OMBNo 1545-0901
M10
Form 1 0 9 8
Mortgage
Interest
Statement
uoi*on»J
1 Monjaoo Inlem! received Irom payor(s,Vbo«rower[a) *
5 966.45
Copy B
For Payer
Tf»e inlcnnuTion in boxot 1,2,
3, and 4 IB important Inx into.--
mution anfl Is boing tumisJwd to
tho IrKomal Hovonuo Sorvco.
II you crt> iBQulied to file a
reltm. • penalty or
othor aanciion may bo imposod
on you U Iho IRS determines
thoi an underpayment ol lax
roauto becauao you ovorotatod
n deduction lor iWj mortgago
inio'csl or For Ihoso points or
t>©c»uso you dkl net roporl this
rotond ol Interest on your otum.
PAYEH’S/BORROWER*3 wmo. tfroet oddtoos (Inching Dpi no.), city, atatu, ond ZIP coda
*■ 00UQ2A5OA UIBNGS-imbMkO
TWII.A A WOLF
44 PATTEN ST AFT B
BANGOR ME 04401-6226
...........................................................................................
2 Polnis pak) on ourchsso o’ pWKlpal rosWooto {Sec
Box 2 an back)
5 o.oo
3 Relund ol overpaid inioroat (Seo Box 3 on bacx)
$ 0 .0 0
4 Moflgac® Ir.suraoee PrerrJumc
$ 0 .0 0
RECIPIENT’S Fodorul idor.!ificalton no. PAYER'S coctol Mcurity number
s 0 .0 0 01 -0137770 545-08-3544
Form 1098 (Keep for your rocoros.) Dopartmen! of Iho Treasury • Intomai Rovonuo Servico
If your mortgogo loan waa ecguirod by TO Bank during 2010 the beginning balances on Prlncipol and Escrow are Uio amounts transferred from your provious servicer.
PRINCIPAL I UNAPPLIED ESCROW BUYDOWN ACCOUNT BALANCE
BEGINNING
BALANCE 16169.13 BEGINNING
BALANCE 0.00 BEGINNING
BALANCE 0.00 BEGINNING
BALANCE 0.00
AMOUNT
PAID
INTEREST SHORTAGE
AODED TO PRINCIPAL
187.84
0.00
AMOUNT
PAID
AMOUNT
CISBURSEO
0.00
0.00
AMOJNT
PAID
AMOJNT
DISBURSED
0.00
0.00
DISBURSEMENTS
ADJUSTMENTS
0.00
0.00
AMOUNT
0ISBUR8ED 0.00
ESCROW
INTEREST 0.00
ENDING
BAlANCE 15981.29
ENDING
BALANCE 0.00 ENDING
BALANCE 0.00 ENDING
BALANCE 0.00
INTEREST PAID IlNTEREST SHORTAGE UNPAID BALANCE] ESCROW DISBURSEMENTS OTHER ITEMS
GROSS INTEREST
PAID 918.08 BEGINNING
8ALANCE 000 REAL ESTATE
TAXES DISBURSED 0.00
PLUS PREPAID INT. NOT
ALLOWED PRIOR YEARS 0.00
LESS INTEREST
SUBSIDY (BUYDOWN) 0.00 AODED INTEREST
SHORTAGE 0.00 INSURANCE 0.00 LATE CHARGES
DUE BUT UNPAID 13.82
LESS INTEREST
S/fORTAGE 0.00
LESS PREPAID INTEREST n HR
NOT ALLOWED THIS YR. u ,u u
LESS INTEREST n 00
SHORTAGE PREPAID u
LIFE ANOOR
DISA8IUTY 0.00
PLUS INTEREST
SHORTAGE PAID 0.00
LATE CHARGES
PAID 48.37 ENDING
BALANCE 0.00 MIP/PMI 0.00
NET INTEREST
PAID
MORTGAGE POINTS
PAID
966.45
0.00
ESCROW
REFUND 0.00
REfUND OF
OVERPAIO INTEREST 0.00 MISCELLANEOUS 0.00
PAYMENT CALCULATION
PRINCIPAL »
INTEREST
ESCROW/
IMPOUNO
CREOIT
INSURANCE
SERVICE
CHARGE
REPLACEMENT
RESERVE
MISCELLANEOUS TOTAL
PAYMENT
138.24 0.00 0.00 0.00 0.00 0.00 138.24
SEE BACK SIDE FOR IMPORTANT INFORMATION
AF0074 I k/10 fWv t
Account Number: 5000067881
Our records s Itow your Social Security Number or Tax ID Number as: 545 -08 -3544
If this information is correct. NC response is necessary. If the number shown >s Incorrect or
If no number Is showing, Please complete the reverse side of this form, detach and mail to:
TD BANK
PO BOX 746
KEENE,NH 03431 -0746
Please contact our customer service department at 1 -800 -442 -1275 should you have questions
regarding this statement.
SX-0??3-00H
Instructions for Payar/Bo r
A person (Including a financial institution.« governmental unit, and a cooperative
housing corporation) who is engaged in a trade or business and. in the course
ol such trade or business, receivod from you at least $500 of mortgago interest
(including certain points) on any one mortgage In the calendar year must lurnlsh
this statement to you.
II you received this statement as the payer of record on a mortgage on which
there are other borrowers, furnish each of the othor borrowers with Information
about the proper distribution of amounts reported on this form. Each borrower
is entitled to deduct only the amount he or she paid and points paid by the seller
that represent his or her sharo of the amount allowable as a deduction. Eacn
borrower may have to include in Income a share of an/ amount reported in box 3.
If your mortgage payments wore subsidized by a government agency, you
may not be able to deduct the amount of the subsidy. Seo Ihe instructions for
Form 1040, Schedule A. C, or E for how to report the mortgage interest. Also,
for more information, see Pub. 936 and Pub. 535.
Payer's/Borrower's Identtf Icatlon number. For your protection, this form may
show only the last four digits of your SSN, ITIN, or ATIN. However, the issuer has
reported your complete identification number to the IRS and, where applicable,
to state and/or locai governments.
Account number. May 6how an account or other unlquo number the lender ha3
assigned to distinguish your account.
Box 1. Shows the mortgage interest received during ihe year. This amount
Includes Interest on any obligat'on secured by reat property, including a home
equity, line ol credit, or credit card loan. This amount does not include points,
government subsidy payments, or seller payments on a “buy-down* mortgage.
Such amounts are deductible b> . .=nJy in certain circumstances
Caution: If you prepaid interest In 2010 that accrued (n fuH by January 15.2011. this
prepaid Interest may be included in box 1. However, you cannot deduct the prepaid
amount In 2010 even though It may be Included in box 1. If you hold a mortgage
credit certificate and can claim tho mortgage interest credit, see Form 6396. If the
interest was paid on a mortgage, home equity, line ol credit, or credit card loan
secured by your personal rosldence, you may be subject to a doduciion limitation.
Box 2. Not all points are reportable to you. Box 2 shows points you or Ihe seller
paid this year for the purchase of your principal residence that are required to be
reported to you. Generally, these points are fully deductible in the year paid, but
you must subtract seller-paid points trom the basis of your residence. Other points
not ropcrtud in Box 2 may also be deductible. See Pub. 836 to figure the amount
you can deducl.
Box 3. Do not deduct this amount. It is a refund (or credit) for overpayment(s) of
interesl you made in a prior year or years. If you Itemized deductions in the yoar<s)
you paid tho interest, you may have to include part or all of the box 3 amount on tho
‘Other Income* line of your 2010 Form 1040. No adjustment to your prior year(s) lax
return(s) is necessary. For more information, see Pub. 936 and Itemized Deduction
Recoveries In Pub. 525.
Box 4. Shows mortgage insurance premiums which may qualify to be treated as
deductible mortgage interest. See the Schedule A (Form 1040) instructions.
Box 5. The Interest recipient may use this box to give you other information, such
as tho addross of tho proporty that secures the dabl, roal ostate taxes, or insurance
paid from escrow.
B/1098
In order to verify your deduction for mortgage interest paid during the calendar year, the IRS requires that you furnish your social security or taxpayer
.•doniilication number to us. Failure to provide this information can result in a $50 penalty by the IRS, II you are an individual, please provide us with your
social security number in the space indicated below. If you are a company or a corporation, please provide us with your taxpayer identification number
(TIN) where indicated below. DETACH AND MAIL THIS FORM TO THE ADDRESS SHOWN ON THE FRONT OF THIS FORM.
B O R R O W E R __________________- ____________- ________________________ O f t ______________ - _________________________________
Social Security No. Taxpayer I.O. (TINJ No.
C O -BO R ROW ER _________________ - ____________- ________________________ 0 R ______________ * _________________________________
Social Security No. Taxpayer I.O. (TIN) No.
CERTIFICATION - under the penalties of perjury, I certify that the information providod on this form is true, correct and complete.
Borrower _______________________________________________________Co-Borrower_____________________________________________________Date_____
signature signature
AA - Admin istra tiv e A d ju stm en t
AMC • Contra c tua l C h ange (o Rato, T erm, o r P aym ent
on A RM loan
AP - Reg u la r M ortgage P ayment
AS * Assum p tio n
C.'A • C o n stru c tio n A d ju stm en t
CD • C o n stru c tio n D isb u rsem en t
CO - C a n y o v c r Inte re st Dedu c tib le in Future Tux Ye a rs
CP - C ap ita liz a tion o f Inte re st
CR * C o n s tru c tio n Receipt
CRL /CRP - C urta ilm ent Reve rsa l Posted A u toma tic a lly
CT/CTA»CWA/CWP - A d d itio n a l p aym en t to Principal
CTR- Reve rse A d d itio n a l Paym en t to Principal
ED - Payment Made from Esc row
EI/EIL/KIP/EIS • Inte re st o n Esc row Paid on A c co u n t
EOO • E09 - Escrow R e fu rd lo Mortg ag o r
E10 - E29 • Insurance Premium Paid
E40 - E49 • Private Mortgage In su ran c e Paid
E50 - E59 • FHA M ortgage In su ran c e Paid
E60 - E89 - M isc e llan eo u s P aym ent Made from Escrow
E 9 0 - E9V- Real 1-sLite T e x ts Paid
FD - Fee Billed lo Mortgagor
FC • F oreclosure
FE - Fee Paid by Mortg9goi
FEA • Fee Payment Posted T h ro u g h Autopost
FP - Fee Payment Colle c ted b ut n o t Billed
FR - Rcvorsal o f Foe Paid b y Mortg ag o r
FS/FW - Fore c losure
FWA/FWP - Colle c tion o f Billed Fee
FWV - Fee P aym ent Reversed o r Waived
GP - G o v e rnm e n t S u b s id y Payment
|X;\V - Late C h a rg e Waived
MOO • M99 - Same a s E00 - EV9
PA - R eg u la r M ortgage Paymont
PF/PFL - P u y o fF o f Mortgage Loan
PP - Partial Payment
PR/PRL/PRP/PRN - Paym en t h a s b e en Roversed
RP - Reg u la r Mortgage Payment
RCO - R99 - Receipt to E sc row Balance
SR/SRA>SRL/SWA/SWP • App lic a tio n to A c co u n t
3R B - B uydown Ba lanc e A d ju s tm en t
SV - Se rv ic e Roleaso
T C • Curta ilm en t In v o lv in g Prepa id Principal
UF - U n ap p lied Funds
U l - Un co lle c ted Items
IJN • Unknown