Exhibit,Appendix: Federal Home Loan Mortgage Corporation, As Trustee For The Benefit Of The Freddie Mac Seasoned Credit Risk Transfer Trust, Series 2023-1 v. Cynthia Staunches, David Staunches, Hsbc Bank Nevada Na, Equable Ascent Financial, Llc, Cach, Llc, Glens Falls Hospital, Capital One Bank (Usa), N.A., John Doe #1 Through John Doe #10, The Last Ten Names Being Fictitious And Unknown To The Plaintiff, The Person Or Parties Intended Being The Persons Or Parties, If Any, Having Or Claiming An Interest In Or Lien Upon The Mortgaged Premises Described In The Complaint

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                                SUPREME COURT OF THE STATE OF NEW YORK

COUNTY OF WARREN                                              lndex No.: EF2O24-12440

                                                              RJI   No.:   5G-1-2024-01 G7

Federal Home Loan Mortgage Corporation, as Trustee for        Notice of Foreclosu re Settlement
benefit of the Freddie Mac Seasoned Credit Risk Transfer      Conference
Trust, Series 2023-1                                          IcPLR 5 3a08(e)l


-aga inst-


Cynthia Staunches, David Staunches, HSBC Bank Nevada I
Equable Ascent Financial, LLC, Cach, LLC, Glens Falls
Hospital, Capital One Bank (USA), N.A., JOHN DOE 81 thrc
JOHN DOE #10, the last ten names being fictitious and
unknown to the plaintifi the person or parties intended
being the persons or parties, if any, having or claiming an
interest in or lien upon the mortgaged premises describer
in the Complaint




Property Address: 196 Sanford Street, , Glens Falls, NY 12801


Dear Homeowner:

The Court is in receipt of a request from defendant's counsel, Richard Kirby, Esq., to res€hedule the May 21, 2024,
Foreclosure Settlement Conference. The request is GRANTED.

Please be advised that the conference scheduled for May 21,2024, has been canceled and rescheduled to June 4,
2024, at 11:40 am, virtually, by Microsott Teams. Appearances are required. A Teams link has been sent.

A mortgage foreclosure case has been started against you for the property located         at   196 Sanford   Street, ,   Glens Falls, NY
12801   .



Do not ignore this notice or any court papers that you receive, or YOU MAY LOSE YOUR HOME.

What You Should Do:

You should arrange to get legal help as soon as possible. lf you have hired    a   n attorney, you shou ld notify them of this
notice immediately so the attorney can attend the conference date listed below, Under CPLR 3408(b), if you appear
before the court without an attorney, the Court will screen you for what is known as "Poor Person Re lief". You do not
have to be "poor" to get this relief. lf the Court finds that it is appropriate, the Court may appo int an attorney to
represent you.

Court Settlement Conference   :



You are entitled to a court conference with your lender (the bank that holds your mortgage). This conference is to help
find a solution that both you and the lender agree upon that will help you avoid foreclosure. You m ust attend this
conference. lf you cannot attend on the date listed below please contact the court at 518-480-6336 so the conference
can be rescheduled. Please note: the sooner the conference process starts, the better your chances are of saving your
home from foreclosure.




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Your settlement conference with the Court is scheduled        to be heard virtuallv (not in-o e rs on) on the followins date and
time:

Court:               Warren County Supreme Court
Address:             1340 State Route 9, Lake George, New York 12845

Date:                 o6/o4tz0z4
Time:                 11:40 AM

Referee:             Keith A. Muse, Esq.

THIS IS A VIRTUAI. CONFERENCE - DO NOT PHYSICALLY APPEAR AT THE COURTHOUSE UNLESS YOU ARE SPECIFICALLY
DIRECTED TO DO SO BY THE COURT CLERK'S OFFICE,

lf you or your attorney fail to participate in the conference, this may be considered as a waiver of your right to a
settlement conference. This conference will be conducted virtually using an online video chat platform. You must
provide the Court Clerk's Office with an e m aiL address with whteh to receive the conference invitation. Please callthe
court to orovide this information at least one week prior to vour conference date. You may participate in the virtual
conference via video chat or by telephone using a dial-in number sent to you in the conference invitation. Please
immediatelv notifv the Court Clerk's Office if vou do not hav e access to email, the internet and/or a telephone, so that
arranRements mav be made for vour oarticipation in the conference

What to Have Available at the Court Conference

It is extremely important that both sides are prepared to discuss the case. ln order for the Court to help you and your
lender resolve the case, please be prepared to submit the following documents:
          .   Proof of current income (such as 2 most recent pay stubs);

          .   Most recent income tax return;
          .   Most recent property tax statements;
          .   Benefits information;

          .   lf self-employed, profit and loss statement;
          .   Recent bank statement (at least 2 months);

          .   List of monthly expenses;

          .   Recent mortgage statements;

          .   Rental agreements of proof of rental income,if any;

          .   Any written loan resolution proposals or information from previous workout packages;

          .   Previously submitted loss mitigation applications.

These documents must be current.      lt   is advised that you have updated   information available at eac h conference.
Resoond ine to Court Pa pers

ln addition to participating in the conference, you must also respond to any Court papers received. The number of days
you have to respond is stated in the Court paper called "Summons". Make sure you meet the deadline given in the
summons and any other deadline set by law. Please see the paper entitled 'Answering a Foreclosure
Complaint" (included herewith) for more information.

What Plaintiff Bank Must Have Available at the Court Conference:

              Mortgage and Note or copies of the same;



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             Payment History;

             Payoff and reinstatement figures, workout forms or packet including loss mitigation contact information;

             lf Plaintiffor servicer has evaluated/is evaluating a loss mitigation application, provide a summary of the
             status of the evaluation including a list of outstanding documents required from the borrower to com plete
             review, and the expected date of the decision;

             lf Plaintiff or servicer has denied a medication application, provide the denial letter with the reason for
             denial and the date input fields and values for the net present value evaluation. lf thedenialwas basedon
             an investor restriction, provide documentary evidence showing the bases for the denial, such as a po oling
             and servicing agreement;

             Any written loan resolution proposals or information form previous workout packages;

             lf Plaintiff is not the owner of the Note and Mortgage, please provide the          Na    me/Add ress/Phone numb er of
             the owner of the Note and Mortgage.

Where You Can Get Help:

FREE HELP is available by contacting one of the lega I service providers or housing agencies listed below, or you may hire
your own lawyer. Either way, it is important to act now to avoid losing your home. Additional info rmatjon is available at:
www.nvcourts.gov



Leqol SeNices:

Legal Aid Society of Northeastern NY lnc.                                The Legal Project

55 Colvin Avenue                                                         24 Aviation Road, Suite 101

AlbanV NY 12205                                                          Albany, NY 12205

(518)   462-6765 www.LASNNYore                                (518)   435-1770 www.LEGALPROJEClorq


Legal Aid Society of Northeastern NY lnc. (Saratoga Office)

40 New Street

Saratoga Springs, NY 12866

(518) 587-5188 www.LASNYors



New York State Bank Department's toll-free helpline at 1-877-BANK-NYS (1-877-226-5697).or visit the Department's website at
www. gAN KING.STATE. NYUS



Housing Agencies:

Albany County Rural Housing Alliance, lnc

24 Martin Road

Voorheesville, NY 12186-4814
(518) 765-2425 www.ACRHA.orP



Housing Assistance Program of Essex County (HAPEC)

103 Hand Avenue

Elizabethtown, NY 12932



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{518)873-6888 www.HAPEC.orq


Othet Resources:
New York State Office of the Attorney General

1-855-HOME-456

Or www.AGSCAM HELPcom (if you believe you are victim of     a scam)

Or www.AcHOM       EH   ELPcom (Homeowner Protection Program)



New York State Department of Financial Services Foreclosure Relief Unit

1-800-342-3736 or 1-888-995-4673 (Hope Now Hotline)

WWW.DFS.NYGOV



DATED: May 16,2A24




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