SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF STEUBEN Index No.: E98948 File Date: 06/12/2026 THIRD SUPPLEMENTAL SUMMONS MORTGAGED PREMISES: 303 HAVERLING STREET, BATH, NY 14810. SBL #: 159.05-1-35. HSBC BANK USA, N.A., AS TRUSTEE FOR THE REGISTERED HOLDERS OF RENAISSANCE HOME EQUITY LOAN TRUST 2006-1 1675 Palm Beach Lakes West Palm Beach, FL 33401, Plaintiff, -against- JAMES A. PALMER JR., HEIR TO THE ESTATE OF JAMES A. PALMER; VALERIE A. NUSSAUMER, HEIR TO THE ESTATE OF JAMES A. PALMER; "JOHN DOE" AND "JANE DOE" 1 THROUGH 50, INTENDING TO BE THE UNKNOWN HEIRS, DISTRIBUTEES, DEVISEES, GRANTEES, TRUSTEES, LIENORS, CREDITORS, AND ASSIGNEES OF THE ESTATE OF JAMES A. PALMER, WHO WAS BORN IN 1924 AND DIED ON JUNE 19, 2008, A RESIDENT OF STEUBEN COUNTY, WHOSE LAST KNOWN ADDRESS WAS 101 CREEKSIDE DRIVE, PAINTED POST, NEW YORK 14870, THEIR SUCCESSORS IN INTEREST IF ANY OF THE AFORESAID DEFENDANTS BE DECEASED, THEIR RESPECTIVE HEIRS AT LAW, NEXT OF KIN, AND SUCCESSORS IN INTEREST OF THE AFORESAID CLASSES OF PERSON, IF THEY OR ANY OF THEM BE DEAD, AND THEIR RESPECTIVE HUSBANDS, WIVES OR WIDOWS, IF ANY, ALL OF WHOM AND WHOSE NAMES AND PLACES ARE UNKNOWN TO THE PLAINTIFF; PEOPLE OF THE STATE OF NEW YORK; UNITED STATES OF AMERICA ACTION THROUGHT THE IRS; NEW YORK STATE DEPARTMENT OF TAXATION AND FINANCE; JOHN DOE (Said name being fictitious, it being the intention of Plaintiff to designate any and all occupants of premises being foreclosed herein, and any parties corporations or entities, if any, having or claiming an interest or lien upon the mortgaged premises.), Defendants. TO THE ABOVE-NAMED DEFENDANTS: YOU ARE HEREBY SUMMONED to answer the Complaint in the above captioned action and to serve a copy of your answer on the Plaintiff's attorney within twenty (20) days after the service of this Summons, exclusive of the day of service (or within thirty (30) days after completion of service where service is made in any other manner than personally delivered within the State. The United States of America, if designated as a Defendant in this action, may answer or appear within sixty (60) days of service hereof. In case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the Complaint. NOTICE: YOU ARE IN DANGER OF LOSING YOUR HOME. If you do not respond to this summons and complaint by serving a copy of the answer on the attorney for the mortgage company who filed this foreclosure proceeding against you and filing the answer with the court, a default judgment may be entered and you can lose your home. Speak to an attorney or go to the court where your case is pending for further information on how to answer the summons and protect your property. Sending a payment to the mortgage company will not stop the foreclosure action. YOU MUST RESPOND BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE PLAINTIFF (MORTGAGE COMPANY) AND FILING THE ANSWER WITH THE COURT. Steuben County is designated as the place of trial. The basis of venue is the location of the mortgaged premises foreclosed herein. This action was commenced to foreclose a mortgage against real property located at 303 Haverling Street, Bath, New York 14810. McCABE, WEISBERG & CONWAY, LLC By: Caren Bailey, Esq. Attorneys for Plaintiff One Huntington Quadrangle, Suite 4N25 Melville, NY 11747 631-812-4084 855-845-2584 facsimile File #18-301467 HELP FOR HOMEOWNERS IN FORECLOSURE: NEW YORK STATE LAW REQUIRES THAT WE SEND YOU THIS NOTICE ABOUT THE FORECLOSURE PROCESS. PLEASE READ IT CAREFULLY. SUMMONS AND COMPLAINT: YOU ARE IN DANGER OF LOSING YOUR HOME. IF YOU FAIL TO RESPOND TO THE SUMMONS AND COMPLAINT IN THIS FORECLOSURE ACTION, YOU MAY LOSE YOUR HOME. PLEASE READ THE SUMMONS AND COMPLAINT CAREFULLY. YOU SHOULD IMMEDIATELY CONTACT AN ATTORNEY OR YOUR LOCAL LEGAL AID OFFICE TO OBTAIN ADVICE ON HOW TO PROTECT YOURSELF. SOURCES OF INFORMATION AND ASSISTANCE: The State encourages you to become informed about your options in foreclosure. In addition to seeking assistance from an attorney or legal aid office, there are government agencies and non- profit organizations that you may contact for information about possible options, including trying to work with your lender during this process. To locate an entity near you, you may call the toll-free helpline maintained by the New York State Department of Financial Services at 1-800-342-3736 or visit the Department's website at www.dfs.ny.gov. RIGHTS AND OBLIGATIONS: YOU ARE NOT REQUIRED TO LEAVE YOUR HOME AT THIS TIME. You have the right to stay in your home during the foreclosure process. You are not required to leave your home unless and until your property is sold at auction pursuant to a judgment of foreclosure and sale. Regardless of whether you choose to remain in your home, YOU ARE REQUIRED TO TAKE CARE OF YOUR PROPERTY and pay property taxes in accordance with state and local law. FORECLOSURE RESCUE SCAMS: Be careful of people who approach you with offers to "save" your home. There are individuals who watch for notices of foreclosure actions in order to unfairly profit from a homeowner's distress. You should be extremely careful about any such promises and any suggestions that you pay them a fee or sign over your deed. State law requires anyone offering such services for profit to enter into a contract which fully describes the services they will perform and fees they will charge, and which prohibits them from taking any money from you until they have completed all such promised services. § 1303 NOTICE 16-12-20* July 1, 8, 15, 22 2026 LNYS0542092