Announcements--HSBC Litigation in Florida.

Letter to Avelo cc: HSBC As I have advised your company before via telephone conversation, you are not authorized to establish an escrow account on my behalf for loan number xxxxxxx for any purpose. You have been advised twice now that the former lender was not authorized to establish an escrow account and you have been warned not to recognize this fraudulently established escrow account or to pursue collecting the fraudulent shortage. The prior lender is being named in an insurance fraud investigation for establishing an unauthorized escrow through which to deduct fraudulently applied insurance premiums. If Avelo insists on pursuing means to collect on the fraudulent escrow shortage, Avelo will also be named as a party to this matter. I also received a letter on November 12th dated November 6th pertaining to my November mortgage payment paid on November 5th (e-confirmation # 0711050241) explaining that my payment was past due and that the total arrearage included the $606 fraudulent escrow shortage. Again, please be advised that you are attempting to collect on a fraudulent escrow shortage, created by a fraudulently applied insurance premium. You can expect that this note will be refinanced with a prime lender within one year of today’s date, and I expect this matter to be resolved between HSBC and Avelo long before that takes place.