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LEGAL NOTICE

GEORGE J. ANNOS

Attorney At Law

CARLISLE, McNELLIE, RINI, KRAMER & ULRICH, LPA

24755 Chagrin Boulevard, Suite 200

Cleveland, Ohio 44122

Telephone: 1-216-360-7200

IN THE COURT OF

COMMON PLEAS,

MAHONING COUNTY, OHIO

120 Market Street

Youngstown, Ohio 44503-1751

Case No. 04CV 2823

HSBC BANK, USA, AS TRUSTEE IN TRUST FOR CITIGROUP MORTGAGE LOAN TRUST, INC., ASSET BACKED PASS THROUGH CERTIFICATES SERIES 2003-HE-4, C/O AMERICA'S SERVICING COMPANY

PLAINTIFF,

VS.

HOA H. PHAM, ET AL

DEFENDANTS.

Defendants, Hoa H. Pham and Jane Doe, Real Name Unknown, Unknown Spouse, if any, of Hoa H. Pham, whose last known address is 339 Hilton Avenue, Youngstown, Ohio 44507, will take notice that on the 12th day of August, 2004, HSBC Bank, USA, as Trustee in Trust for Citigroup Mortgage Loan Trust, Inc., asset backed pass through certificates Series 2003-HE-4, c/o America's Servicing Company, filed their Complaint in Case Number 04CV 2823, in the Court of Common Pleas of Mahoning County, Ohio, alleging that the defendants, Hoa H. Pham and Jane Doe, Real Name Unknown, Unknown Spouse, if any, of Hoa H. Pham, have or claim to have an interest in the real estate described below:

Situated in the City of Youngstown, County of Mahoning and State of Ohio: And known as being Youngstown Lot Number Thirty-three Thousand Six Hundred Ninety-two (33692) according to the latest enumeration of lots in said City, as recorded Volume 17 of Plats, Page 99, Mahoning County Records. Said Lot has a frontage of Forty-two and One Tenth (42.1) feet on the Southerly line of Hilton Avenue, and extends back on its Easterly line One Hundred Twenty-five (125) feet, and on its Westerly line One Hundred Twenty-five (125) feet, having a rear line of Forty-two and One Tenth (42.1) feet, as appears by said Plat, be the same more or less, but subject to all legal highways.

Known for street numbering purposes as 339 Hilton Avenue, Youngstown, Ohio 44507

PERMANENT PARCEL NO. 53-117-0-208.00-0

The Plaintiffs further allege that by reason of default in the payment of the promissory note, according to its tenor, the conditions of a concurrent mortgage deed given to secure the payment of said note and conveying the premises described, have been broken and the same has become absolute.

The Plaintiffs demand that the defendants named above be required to answer and set up their interest in said real estate or be forever barred from asserting the same, for foreclosure of said mortgage, the marshalling of any liens, and the sale of said real estate, and the proceeds of said sale applied to the payment of Plaintiff‘s claim in the proper order of its priority and for such other and further relief as is just and equitable.

The defendants named above are required to answer on or before the 23rd day of November, 2004.

CARLISLE, McNELLIE, RINI, KRAMER & ULRICH, LPA

BY:  GEORGE J. ANNOS

Attorney for Plaintiffs.

Sep 21,28; Oct 5,12,19,26, 2004  04-01428