Академический Документы
Профессиональный Документы
Культура Документы
CXSY YO-
t ne a VXS sr t l Ge rl itae
JOI N I
ww
) Rvl cEs LLC; ) o xN SE t xG oRx l o I sdwi ua d ) wl xo T goR x L'NKyk SOMX Bx S s; ) xv ) M ER scor ;ssscw oxlc s c ; ) v oRTG XGE ox svSvsv s 1 xos, o c ; ) TR XTI sotm e t as vusps ss; ) IEM xx BRO sxxK , F ) OT> RS O l co> I c ; ) t, 1 xN BR ovg ER s, x c; E1 v N t,E1 M xx BR OT> Rs BxN ) 1 FRAUDULENT CONVERSI N O t EM xN BR vavs' z::611; ) rv sscvpm ss z v xN XS ) t, 1 E1 o xssE STRU c'tlE r t ) I NTRI C FRAUD NSI OR ATIO x ; cor xGs ,1 NC; ) ATTENHV ED LARCENY clr V ORTG 'l ) R otl 1 c; p x a xvl oN CI G TI m cx cor o ) oF XM E DOUBLE- PPI DI NG BXNK rs o l e e tt cl ucor , ad ) x ) ssc e s s st s yo xx xl c s or s; co> TI W I W D Tpvs' rE USURY . Is BxN x xsx.as orTRvsvsE; ) o ) I XSAL O gc e s cs coRP *S CONSTRUCTI FRAUD VE v @s. BAN ) yXNNI s M AC; E M AE; v ) sxvlxl CX . o VI OLATI OF FDCPA ON ygsom gssm c gss- ) GM AC v c ak/ /a w at x N ) a c ak/ g e ca /a s p a xvlox ; VI OLATI OF TCPA ON lrxl ' o ) vxm xG cor o ox ; I DENTlxl 1 o7 pvogx'l r ) cs co s co ; W OLATI OF FCRA ON s s C VI AN cs xsE B N ) v; p M ORG XN oo & c ov mxN ) w vlI sFxR oo BxNx x .x. oo ; )
w.
St
op Fo
re
clo
1 of 99
KORM AN vAURORA e a . tl
su re
Page 1of205
Fr au d. co
re
clo
su re
Page2 o 205 f
2 of 99
ww
w.
al a ons leg
:1 1
St
x' FOR D r ED nt e km g, N' RW I C OM PLM E v ehfedi compu i s e JOHN K0 RM AN ,bef bX f t s e ge hi com es nOW Pl ntf ai if coupm ent , di gem entofilgoten- n,f l- t gai e J , sgor jef l i y olow ng i erala,o ecl a ory udgm ent ar t bas at i w e dam ages, ed on t y mt el r da ages,Or and Pt i w al m su t , i ormaton s nf i t dam ages,g com pensa ory um a cu,ce ed Ex r wl edge,f e es s t 1 m ade fom Pef onal% 0 i 1 r ury;
ECL XR XTORY XN
op Fo
Fr au d. co
D O TH ER RELI EF
NC; N D TW LE I co; xsSO CI XTESLX vv o v xR xN STEW ART TI TLE c M ORTG XGE BANKER s xsso ;
) FORGERY ) ) M M L FR AUD ) VI RST AM SRI CAN cor o M vx ox; ) W I FRAUD RE TI TLE I SVRANCE usm T co m y N ; ) M ERRI LYNCH C URxx cE C o ; LL ) EXTRI C FRAUD NSI M IM ORTGXGE 1 NS ) P u a vz;I i ua adw d l TH Eoooc SC ) ) l I.7( t. ( .). x M CCANx;I vi adi dua ) LAUR cs ;I viu al ndi ( cvxl' x W ALLA m ) FRAUDULENT I NDUCENG NT 1 ;I vi vm J x ndi dua) px z.x.) ; JO ANN RE s ov Dx sTE ) LA W O' W E T FALSE CLM M ) D A vm JXM Y S svspx Eso; K xRol S. ER cs ssq ; xt EsQ ; ) PI m M ORTGAGE FR AUD o NDR X RXCI RI xE- G ) C ASSA MI STY B XRNES ESQ ; ) DEM AND FOR JURY DAR ooE 1- 10) tr; LI DI TZ) ay NE E No ) JOHN ; ) TR I AL JANE D os 1- 100; o ef ) Fe R. V. 38( d. Ci P. b) endO t s. /
1.
< URORA' Thid- dy- btcole t El c W ' r pa De - lcor* omme e af r l ur a ton i is ) nc d o ecos e ci n t LLC ( , ,
der own name,f isown be i,actng i t capaciy ofRealpart l l er t*,Hoj or t neft i n he t - y-n-nt es(1 i Duencour e,f lt ed by fa i tng a col abl A s i ent and,D ef s aciiat brca i or e sgnm , endant
AURORA di pr devert t tm ony bef et Courtwhih w asknown t be f s d ovi iied esi or he c o ale att tm e s d sat ent wer m a ors d have known wasf s r uli i act he i ai t em s e de, houl ale, es tng n s
ofl rnsi Fr asgr nti c aud avamen;pr caed on t sprorf edi t hi i oundatonal sat i t ement Pl ntf , ai if
fl t sActon agai tt f l ng pari ac i partci si Ci lFr eiher ies hi i ns he olowi tes, tve i pant n vi aud t
clo
ww
KORM AN vAURORA e a. /l
3 of 99
w.
St
op Fo
LO AN SERVI CES LLC;AURORA BAN K EX ECUTI OFFI VE CER ofAURORA FSB;G RSCORP;M ORTGAGE ELECTROM C REGI STRATI SY STEM S l ON NC
re
Page3 of205
su re
Fr au d. co
Thi cas arsesi erala duet Def s e i nt i o endantAURORA LOAN SERVI CES
LEH M AN XS TRUST M ORTGAGE PASSTHROUGH CERTI CATES, H SERI 2006- CI M ORTGAGE,I ;CI GROUP I C;BA NK OF AW RI ES 11; TI NC TI N CA CORPOR ATI asSucces i I er tt LASALLE BAN K NATI ON sor n nt es o ONAL
a/ aRESI ENTI CAPI k/ D AL TAL LLC a/ a Res d/ a GM AC RESI ENTI k/ cap b/ D AL FUND I CORPORA TI NG ON;HSBC H N ANCE CORPORA TI ;JPM ORGAN ON
CHASE & CO ;W ELLS FARGO & COM PANY ;W ELLS FARGO BANK ,N . ; A
AW RI CAN LAN D TI TLE ASSOCI ON ;CHA SE HO< ATI M ORTGAGE;H RST
AA RI CAN TI TLE I SURANCE CORPORATI ;A SSOCI N ON ATES LAND TI TLE l M ERRI LYNCH CRED I CORPORA TI ;M ORTGAGE BANKERS nc; LL T ON
GUARANTY CONV ANY ;THEOD ORE SCH ULTZ;J ANN REI ;LAURA O N
ww
KORM AN vAURORA e a. tl
4 of 99
w.
St
op Fo
re
clo
Page4 of205
su re
Fr au d. co
wil l and knowi y cons r t comm i Ci lFra agai tt sPl ntf and ot s lfuly ngl pie o t vi ud ns hi ai if her sm iary st ed;AURORA etal,have com m it Fr upon t Cour by a t ough i l l iuat . ted aud he t nd hr Ator ofr d,whet by sl t ney ecor her ience when t e wasa dut t s her y o peak,orby af im atve fr i
A t s d Fr i s t i and contnui asan ongoi crm i - er i eE118 U . C. ai aud s ysem c i ng ng- i nalent pr s * S.
c;
6225,whih ge r tdmor t nFi M ilon ( 000, 00)i t pas t nt f c ne ae e ha ve- li $5, 000. n he t we y-our ( mont . 24) hs
3
.
Co ori l v. ea l cque ,2 0 ' 476641( a. DCA 201 . ns tum nc. J n-a s 01 % Fl 2nd 0)
4.
5.
Pl ntf hol publcl r ded adm i i e evi ai if ds i y ecor ssbl dence s howi D ef ng endant
AURORA assgned Pl ntf ' Pr is y- o' and ( orgaget is f,awhieLender i ai ifs om s or N rE M t o tel l ofr d LEHM AN BROTHERS BANK FSB i underbanknz cy pr ecton, whih ecor s pt ot i c
Pl ntf bele i avoi a sg ntr a ng 11U. C.j544( )3) f rhe mor ai if ives s d s inme e di S. a ( ;' t r e, u
ww
KORM AN vAURORA e a. tl
5 of 99
w.
St
op Fo
re
clo
Page5 o 205 f
su re
Fr au d. co
U. C.11jj548a 549. S. nd
7
.
LEHM AN BROTHERS BAN K FSB di pr ePl ntf sNor M orgage: wih a1 d esal ai if fE- t s t l ofisrght tte and i er tt et LEHM AN BROTHERS H OLDI t i , il nt es her o NGS I ,bef e NC. or t iz dred on Pl ntf sonceweti sgnat e;and, he lk i ai if nk i ur
8.
alegest Hol i m at i l aler fom t copy Pl ntf Hol ,r ved post l o d s eraly t ed r he ai if ds ecei Cl ng:1 See tExhi tZ'her o atached and i osi *; s bi ' et t ncop or ed her n by r er at ei ef ence, 9. D ef endantAURORA ' aler copy ofa copy ofPl ntf sNOTE,l t S t ed ai if as
page di l a Speci -ndors ent61fom Loan Orgi or,asDr s ays all em * r i nat awerLEHM AN , p
H OLDI S I C. i entonaly endor t NOTE t ino- ' See Unior NG N , nt i l sed he o t one'; f m
passtz ough Entt a St aw m anE1doi it deal'f LEHM AN BROTHERS * ng the ' or lr iy, r
-
ww
KORMAN vAURORA e a. tl
6 of 99
w.
10
St
op Fo
BROTI ERS BANK FSB set I overa depost s d N OTE wih LEHM AN nd ied ai t
re
clo
Pag 6 o 205 e f
su re
Fr au d. co
6.
A s gnm enti af audul Tr er,orFr si s r ent ansf audul Conveya ent nce;s ee
Rea- tt - olga -nvesmentcondui (E I ', ild LEHM AN XS TRUST lEsa eM gel t tt REM C') tte
M ORTGAGE PASSTHROUGH CERTI CA TES,SERI 2006-11ast uli at FI ES he tm e
2009,Cas NO .50e 2009- 017057CAXXX X- B,I Tl E CI M N l RCUI COU RT OF T THE H FTEENTH JUDI AL CI CI RCUI I AND FOR PALM BEACH COU NTY , T, N
FLORI A ,t f ecl e on Pl ntf sonceM orgaged pr D o or os ai if t opert usi t Cour s t y, ng he t ysem t f lt e Lar o aciiat ceny,concur enty AURORA i Doubl Di ngC;alo, r l s e- ppi * s l
13.
LEH M AN BROTHERS BANK FSB,asl Orgi orno l oan i nat ongerhel any rght tte d i , il
nori ees i s i M orga i que ton,if a,alo s eG ankTr serAgr me s' nt r t n ad t ge n si n r s e B anf ee nt'
14.
(i )peper t aza tofExti i Fr ud a i tDe e ntuponfbrc tngt scl r tae l c rnsc a gans f nda a iai wo
ww
col abl A s i ent flng s e wih t Cl k oft Courtcom mit an actof or e sgnm s, ii am t he er he ted
l rnsi Fr nti c aud,aseach l al f ack egal oundaton;fndi i i ng.
KORM AN vAURORA e a. fl
7 of 99
w.
St
op Fo
re
AURORA caus t be execut and r ded t col abl assgnm ent ed o ed ecor wo or e i s
clo
Page7 o 205 f
su re
Fr au d. co
*i >
Securtesa Exchange Com m i i tted ETRUST AGREEM ENT' wher n LEHM AN ii nd sson il < ' ei
BROTI ERS HOLDI GS l and AURORA asM aserServi i apart t et I N NC t cer s y her o;
16.
known, antf sNoTE- orga (hes meNoTE- orga AURORA' As itnt Pli if M t ge t a M t ge S ssa
Vi Pr sde ak/ Ceriyi Ofie ofM ERS@ c orbl c i d)i l aly/ ce e i nt / a tf ng fc r ol a y onsgne s eg l
contact l colat alhel by LEH M AN XS TRUST M ORTGAGE PASSr ualy l er d
THROUGH CERTI CATES,SERI 2006- sTm se ( di Lega Til)i FI ES 11' te, Hol ng l te n
Hol r'or$ de ' t BOND- de '(t r 'us d s Ho1 r' Ee ms' e ynonymousy) a oft i l i Dae t l , s he f osng- t
M ORTGAGE PA SSTHROUGH CERTI CATES,SERI 2006-11' Tr t FI ES s usee. LEHM AN BROTHERS BANK FSB i no l s ongerHol -nder i Duecours asa m aterof e t
18.
oft col abl Assgnm ent fom AssgnorLEHM AN BROTHERS BANK FSB, wo or e i sr i
ww
KORMAN vAURORA e a. fl
8 of 99
w.
St
l ,and i no l aw s ongeri Prviy wih t Borower. n i t t he r JOANN REI actng i t capaciy ofVi pr dent execut t fr t N i n he t ce- esi , ed he is
op Fo
re
clo
tu tf t be ftoft t e tfc t lol r'( di Be fcall e e t urt r s or he ne i he f riiae-l de , Hol ng ne ii -nt r s) ' sec iy-
Page8 of205
su re
Fr au d. co
15.
v erfedE r ded agr entf ii s ecor eem ound i t publc dom ai fl wih t n he i n, ied t he
19
.
prmaf ci e de ( sa Exhi t t s Stndi i Cas NO.07i as a vi nce a n bi) o how a ng n e 80998- VC1
RYSKAO /VI NAC,I THE UNI TU N TES STATES D I STRI COURT FOR THE CT SOUTHERN DI STRI 0F FLORI CT DA,Acton com m enced Oct i ober22nd 2007;
20.
W ALLACE who oc upi a Ofi i t Def tRes utonDe rme ,oi l or c es n fce n he aul ol i pa t ntj nty
s aly com m it an actofl rnsi Fr agai tt sPl ntf i t Feder Cour ever l ted nti c aud ns hi ai if n he al t
VI TUNAC,whi t knew wer f s sat ch hey e ale t ement att tm et rsat ent wer s he i hei t em s e
Tesii AURORA wasHol i pos es on ofPl ntf shand s i tfed der n s si ai if crbed
oncew eti sgnat e f nk i ur ound on t genui Nor M orgage i quesi he ne fE- t n ton;
22.
iscar cusody and contolasof12t ofD ecember2008;see S t e, t r h t bi A 'her o Exhi t ' et atached and i t ncom or ed her n by r er at ei ef ence tted C URORA LOAN SERVI il W CES I NTERROGATORY AN SW ERS,'wih unr ded assgnmentatached t et ' t ecor i t her o,
ww
KORM AN vAURORA e a. tl
9 of 99
w.
St
op Fo
re
clo
s tm bypr di perur d t tmonyi Cas NO.07- 998- Vyse ovi ng j e esi n e 80 Cl RYSKAM P/
Page9 of205
su re
Fr au d. co
As inment AURORA c sg ) omme e a Aci a Pli if i Ca eNO. CAnc d n ton s antf,n s 09-
01 057,t en pla . . don t en c a l t de to d orsolnpr s or not 7 her i e d k.ac o for e os, sr ye t e omis y e
andmorgageunde Fl St .f67 30 ' t r a. at 3. 91.'
24.
f e l e; rur c or cos Pej y omest mi I rnscFr u i Cas NO.07- 0998- Vo nd, nti i a d n e 8 C1
RY SK AM P /VI TUN AC,su a;alo, pr s
25.
Fr ud- n-he- /' i Ca eNO. CA- 705 i TheFit nt a upo t coul l n s 09- 01 7,n fee h
a Ofie - -he- tOfi e sa eGe lme whonev rle; Fl i hassnc n fc roft cour, tc r r nte n e i ( orda i e
c r td t swe k lnk i t c n bypas a ofFI. Ci P.111 b) r uii orece hi a i n he hai s ge aR. V. . 0( , eq rng
Pli ift Ve iy t Compli i fld a rFe r 11 201 ;atr tvey, antf o rf he ant f ie he bma y , 0) lenai l
27.
DAV I J.STERN P. .pr ded t Cour i Cas NO .09- D A , ovi he tn e CA 017057,f i ed abrcat
ww
ve ii e de (i ofas ondcol a eAs i rfed vi nce scz ec or bl sgnme fom LEHM AN BROTHERS nt r
BANK FSB asA ssgnor t orgi i , he i nalLenderofr d;wher ecor eby,
KORMAN vAURORA e al t .
10 of 99
w.
St
Def endantAURORA by and t ough Ator ofr d,Law Of i of hr t ney ecor fces
op Fo
i notve iid, Hea - yE1, AURORA i r pr s e by a Ato e (hid pa t) s e e entd n t m y t r ry , s rfe ( rsa *) as
re
Pej yma alobef rur y s ound i Cas NO.09- 01 n e CA- 7057,e e Compl nt xc pt ai
clo
Page 1 o 205 0 f
su re
Fr au d. co
23.
agai tt Assgnori af audul tans e f audul conveyance,avoi act whi i ns he i s r ent r f r, r ent d , ch t i furher or we m us al i e al t verfed publc document hel by t s, t m e t so gnor 1 he ii i s d he
Securtesand Excha Com m isi document whih pai sa ver dif entpi tr ii nge s on, s c nt y f er ctle t t one AURORA hasporr han he tayed t t Court as o he s; , 30.
31. 32.
wasconveyed nordelver and AU RORA i notabona fde pur erf val as, i ed; s i chas or ue; 33. 34.
01 7057,a copy ofa copy ofaPr i or NoTE,whi h di pl t om ss p c s ays hereon LEHM AN BROTHERS BANK FSB ' negotaton ofs d N OTE by Speci -ndor e t S ii ai all sem nt o
ww
KORM AN vAURORA e c. fl
11 of 99
w.
St
op Fo
re
Bot col abl Assgnm ent i srcty il i y,asi bot cas not ng h or e i s s ti l lusonar n h es hi
clo
di do s t ce; d o wi
Pa 11 of205 ge
su re
Fr au d. co
28.
AGREEM ENT,'i cusody wih t Securtesand Exchange Com m isi dat Jul 1s 'n t t he ii s on, ed y t
2006, wher n i artcul ed Chai of r teE1t Pl ntf s N o rE - or gage;fndi i par , f M t i ng, n t ei s i at n- -fil * o ai if' 37.
SERI 2006- i t r ser Hol ofPl ntf sNor M orgage,hel asa ES 11 s he egit ed der ai if fE- t d
colat alzed i er tofM orgagel er i nt es t Backed Secur tes. ii
Count now i ii AURORA asM ort y dentfes gageeofr d,A s i entr ded June ecor sgnm ecor 11h 2009,t eaferAURORA r ded a s t her t ecor econd bogusA s i entSept ber24t sgnm em h
ww
2009,a bot Assgnment ar col abl docum ent ast each l al nd h i s e or e s hey ack egal
f oundaton. i
KORM AN v AURORA e al t .
12 of 99
w.
St
40.
op Fo
39.
re
H OLDI S I ;and, NG NC
clo
38.
Page 12 of205
su re
Fr au d. co
35.
daedAprl1 h 2008, ecompli vi ai Til 1 U. C.j 1 t i 7t pr ant oltng te 5 S. 692gby noncompla ince;t eafer her t ,
42.
u ncl H andsE1 s tExhi tB ,' her o atached a i por t her n by ean* ee ' bi ' et t nd ncor a ed ei
r er ef ence' ,
43.
da a trr cept( For 38l1 ofawrte r ques fom Pli ift sop c li untl ys fe e i PS m ) it n e t r antf o t alng i
Pl ntf wih unwant t ephone calsafera wrten r ai if t ed el l t it eques fom Pl ntf t sop tr ai if o t cali untlt aleged debti valdat and AURORA' f l e ori biiy t valdat lng i he l s i ed, S aiur na lt o i e
45.
ww
whi wasknown t bet - ii f s m il ng,ors d have known s e, ch o m verfed, ale, seadi houl am r uli i Def aton ofChar er' es tng n am i act ,
w.
St
op Fo
44.
re
t aleged debti valdat and AURORA' f l eori biiy t valda e s d debt; he l s i ed, S aiur na lt o i t ai
clo
unwa e phonec ls perona homeviis( t y)a dunni lte st ry- ( ) ntd al, s l st monhl nd ng etr hit one 31
Pa 13 of205 ge
su re
Fr au d. co
IC 4 FDCPA' a i tAURORA i he ei alge f isf iur o i biiy t vai t ' gans I s r n le d, or t al e, r na lt o ldae
4 1.
47.
CA SSAX RA RACI RI NE- GAUD Esquie,M I r STY BARNES Esqui oft LAW re, he
OFFI OF DAVI J STERN P. ,a tdj nty ors r lyby c CES D . A. ce oi l eve al omme i a ncng
f i ousActon t f ecl e on Pl ntf spr t by r pr ent prm af ci rvol i o or os ai if' opery e- es ed i as a
evi dence,ard hear say t tm ony,f l w ih t Cour a count f t copy of a N O TE, l es i ied t he t er eied
asi i a copy ofa copy oft aleged N OTE,nota copy t ken oft ge neN OTE; ts he l a he nui
48.
evi dencepr ent asan Exhi t ie.tcopy ofa NOTE' wihoutact pos es on oft es ed bi, . i ' t ual s si he orgi ofwhi s d aleged copy i cr ed f om i a f s ormi l ng r es aton. i nal ch ai l s eat r s ale seadi epr ent i
w her eby,
50.
non-es r ponsve,al ofwhi cam e fom a t r part i eroperalegedl on behal of i 1 ch r hid- y-nt l l y f D ef endantCEO orAURORA ;
51.
ww
KORM AN vAURORA e a . tl
14 of 99
w.
St
AURORA ' CEO ata1 tm e r evant i r ptofPl ntf ' alegatons, S 1 i el , n ecei ai ifs l i
op Fo
t eof TOM W I i i r ptofnum er wrten comm uni i f om Pl ntf ' her , ND s n ecei ous it catons r ai if ,
re
49.
clo
Page 1 of2 4 05
su re
Fr au d. co
46.
BROTHERS BAN K FSB r ved Pl ntf s *..M orgageN OTE wihouti ecei ai if *. t t nvestng or i
tExhi tC'Af i toft ALKER TODD 'her o atached and i por ed her n d bi ' fdavi t W ' et t ncor at ei
consde ai purua t Ge r lyAc ptd Ac ou i Prncpal ( i r ton, s nt o ne al ce e c ntng i i s t GAAP' ;as ' , )
c to os fyourcr di asaye l r e 'Se t bi D'he eo atc d a i or ae et ary at.' e f Exhi t ' r t ta he nd nc por td
her n by r er ei ef ence,and,
costyou.'And '
57.
ww
KORM AN v AURORA e al t .
15 of 99
w.
St
56.
N extbol t box t t r ghtr d ext o he i eads .The dolar am ountt cr twil ,' l he edi l
t r boxove fom t lf r a ,' amou o e t ovde t y hid r r he e t e ds ' The nt fcr dipr i d o ou
op Fo
DI SCLOSURE STATEM ENT whih r ds(op-e tha co ne i bol box) . c ea t lf- nd- r r n d ,. lhe
re
55.
clo
Page 1 o 20 5 f 5
su re
Fr au d. co
52.
be i, ndor e t NOTE;. y t t Or ro 'T /ll/r coure 'i Gr nt ' neft e s d he ' o he de f' f /t. e s ,'s a ors Pa wi ?f
E ' d t pay a Dr tE1 orBanko af * check,usng Pl ntf ' Pr s p N o' i ai if s omi sor rE ndors sor er ee ,
Dr t orBn che i Gr nt ' fna alase unde U. C.j 8af, nk- ck s a ors i nci s t r C.
LEHM AN BROTI ERS BANK FSB i excha f t deposi ofPl ntf sNO TE I n nge or he t ai if'
i o s d Tr nt ai ansacton- ccount i A ;
61.
acquied by Def r endantLEHM AN BROTHERS BANK FSB orASSOCI ATES LAND TI TLE I C underapr extatt Cl i Tabl E1w hi i am at i f N ch s eral act et he osng- e * ,
62.
ww
Gener alDeposi wasdone cont yt Pl ntf si entorunder t ng,t t rar o ai if nt s andi hat 63. deposi ofPl ntf sNOTE wasunder t t be aSpeci - epost*;$ % ermor e, t ai if sood o alD iE1 . u
KORM AN vAURORA e al t .
16 of 99
w.
St
op Fo
* Pl ntf st ai if ender Pr i or N or usng Pl ntf sLi ied Power of- t ney ( 1 ed om ss p fE, i ai if mt - Ator
re
clo
Page 1 of205 6
su re
Fr au d. co
58
Ac ntngStnda dsBoa d,(t cou i a r r t FASB')95,c e e t owne s p ofs i De i, ' onc ald he rhi ad post Lace ofove Thr e Hundr d ( r ny r ee $300.0) as 0 ; lo,
65.
Gener Deposthad a s fc pup os whet Pl ntf r i i att tm e ornot al i pecii e, her ai if ealzed t he i ,
ot s di r uli i a Colat alFr her d, es tng n l er aud; 66.
sour oft d oney, bei t m onetzed N O TE,whi G r or s over i t us w ih ce he m ' ng he i ch ant et n r t t LEH M A N BR O TH ER S BA N K FSB ;
M oney- of Exchange w asbei negotat f ,t f lt e t pur ng i ed or o aciiat he chas ofa hom e w hi e ch di m at i i butt shom e w asnotacqui ed us ng M oney- d er alze hi r i of Exchange,i t w as ns ead
ww
acquied usi Pl ntf scr t convered i o M oney- - ccount and keptqui w as r ng ai if edi, t nt of A ; et ,
KORM AN v AURORA e a . tl
17 of 99
w.
St
67.
Pl ntf w as ti ai if r cked att C l i Tabl i o belevi a quasit h,i par , he os nge nt i ng rut n t
op Fo
re
clo
Page 17 o 20 f 5
su re
Fr au d. co
64.
69.
t onecont he empl ed i r ng t Cr tApplcaton For ,wher any A gr ent at n eadi he edi i i m eby eem , NOTE,M orgage orsm iari t m ent Pl ntf sgned changed t cos sa rs t t i l nsm s ai if i he t nd ik o D ef endantLEHM AN BROTI ERS BANK FSB etal I .
notpr ent atCl i i or t concealPl ntf sr ei s d l t ent es ed osng, n der o ai if ol n ai nvesm Cont act w her r , ' eby,
72.
c onve t s i NOTE i o ac h iem, mel aDr f, Ba chec s e, red ad nt as t na y a tor nk- k; e UCC jjl -
ww
73.
KORM AN vAURORA e a. tl
18 of 99
w.
St
op Fo
re
Ext nalt E1 er iy *, .
clo
70.
Page18 of205
su re
Fr au d. co
68.
buton t ot hand cl m s t N O TE i l t s ol ordes r he her ai he s os , t en, toyed,w hie i is car l n t e, cus ody and cont ol how everA U R OR A i nott y t H ol - n- uet r , s rul he der i D cour e;as, s
77.
BROTHERS BANK FSB' l ge ,o fom t ( a - nde )Entt wih t tla lt S ed r r r he Re lLe r iy t ha ibiiy owe t Pli iff d o antf oundon isBoo a Re or ;s eFAS 1 U. C.j3- j3t ks nd c ds e 40, C. 305,
80.
Pl ntf sNOTE;and, ai if
ww
KORM AN vAURORA e al t .
19 of 99
w.
St
op Fo
79.
re
clo
78.
Page 1 of205 9
su re
Fr au d. co
74.
83
.
LEHM AN BROTI ERS BANK FSB ' l I S edgers howi Pl ntf sass ,or ng ai if et
t Entt w ih t s overofPl ntf sas etont isl he iy t he et ai if s o t edger,i hi ng t labiiy si s di he i lt de oft rbooksand r dsf om Pl ntf separ ed t Payabl f om t Recei es hei ecor r ai if, at he es r he vabl and LEHM AN BROTI ERS BAN K FSB r us orwasuna et Verf E1Pl ntf s I ef ed, bl o iy * ai if' aleged debtwhen r l equesed t do s i wrtng,prort June 5t12008,m ont be or t o o n ii i o . 1 hs f e lsPendenswasfl i ied;
Recei esm ay m ake i appearasDef vabl t endantAURORA ,orr herisl at t ower-evel l em pl oyee actng i t capaciy ofa Thid- t D ebtcolect m aki t e al oyi i n he t r pary- l or ng hos m ng
ww
KORMAN vAURORA e a . fl
20 of 99
w.
St
85.
op Fo
re
FLORI CONSUW R COLLECTI PRACTI DA ON CES A CT,Sec.559. et 55 84. s ,m andaes,i par,t tLEHM AN BROTHERS BANK FSB,ast orgi Cr t eq. t n t ha he i nal edior
clo
Page20 of205
su re
Fr au d. co
81.
B A N K FSB ,a la lt ow ed t Pl ntf and Pl ntf f r l belevest s labiiy i an i biiy o ai if, ai if i m y i hi i lt s O f- a f Bal ncesheetEnt y (1 how ever - r *; ,
87.
89.
90.
LEHM AN BROTHERS BANK FSB ne itd ( gotae UCC j3- )Pl ntf s 201 ai if
Pr s or N o' and of s isr aed doubl entyomi s p rE f et t elt e- r bookkeepi bal ng ance on isbooks t
ww
KORM AN vAURORA e a. fl
21 of 99
w.
St
op Fo
re
clo
ze o ( 00) r $0. .
Pa 21 of205 ge
su re
Fr au d. co
86.
and,
ww
95. M ERS@ M em ber,atal-i er eva her n,s a ed t NOTE f om t M ort ltm el nt ei epar t he r he gage;and,
KORM AN vAURORA e al t .
22 of 99
w.
St
94. M ERS@ M ember atal-i er evanther n.separ ed t NOTE fom t M orgage; , ltm el ei at he r he t
op Fo
re
clo
Page22 of205
su re
Fr au d. co
C O RPO R ATI N i a M ER S@ M em ber,atal- i e r evanther n,s at t N O TE O s ltm el ei epar ed he f om t M ort r he gage;and, 97.
i ttme s( nsrl nt NOTE- orga wa a i i t ha oft unr ae pa te wihout M t ge) s nd s n he nds wo eltd ris t
as chem e devi ed w ih ot her n nam ed D ef s t her ei endant t s ii Pl nt f s s o ecur tze ai if' Pr i s y- o r w ihoutM ort om s or N fE t gagor' know l s edge or cons ,m a ng t t ansacton ent ki he r i
101.
ww
KORM AN v AURORA e l ta .
23 of 99
w.
St
il ,w hi i udes al s equentt ans i legal ch ncl 1 ubs r actons;alem atvel i i iy t t t i y, s dentt hef .
op Fo
100.
re
an agency agr entbet een t ,des r ng t s ed-nt es . eem w hem t oyi he ecur i er t
clo
Page 23 of205
su re
Fr au d. co
96.
c j ne o bundldwih ot rSynt tc- r c e t aM orga Ba ke Sec iy,n on oi d r e t he hei No-Es r ae t ge- c d urt i
ogous t an Excel El r co O ect oni an el r c Book- r E1R egi t aton s t ,anal ect oni Ent y * s r i ys em
103.
M orga ma be, . dei r ey ei natd t ay d c fuson ..'(onf in ove t ge y % . lbe atl lmi e o oi on i .' c uso r
t orgi lpa rdoc nt a as nne copyf he i na pe ume s nd ca d oundon ac omputrshad drvel e' r i )
ww
KORM AN vAURORA e a . /l
24 of 99
w.
St
op Fo
re
clo
I e inal desr ng( i na i t orgi lPr sor Nor' , ntnto ly toyi elmi tng) he i na omis y- l E
Page24 of205
su re
Fr au d. co
NOTE wasdi tzed i o aSynt i Norz (J t eaherel r' caly tansf r gii nt hetc- l *, her ectoni l r er ed,
102.
has agreed t conductt o rans acdons b el r c m eans ' A nd, y ect oni .' 107.
a negotabl i r entm us be sgned by hand; i e nst um t i U niorm El r c Tr f ect oni ansactons A cti notapplcabl t t cr i and i s i e o he eaton
Ari e4A ( tcl FundsTrnse s,Ari e5 ( te sofCr di) Aril 6 ( k Saes, a f r) tcl Letr e t, tce Bu1 l ) Ari e7 ( ument ofTil , tce8(nvesme Se urte ) a Aril 9( c e tcl Doc s te) Aril I t nt c iis , nd tce Se ur d
ww
KORM AN vAURORA e a . tl
25 of 99
w.
St
UCC - Ari e3 ( - tcl Nego ibl I t me s,Aril 4 t nk De isa Cole tons, ta e nsm nt) tce Ba post nd lci )
op Fo
r d t t ext i i gover by t Unior Com mer alCode ot t s i 1ecor o he ent t s ned he f m ci her han ectons
re
111.
clo
e c i ofwil,c cl,o tsa ntr t ss ie Plitf ' M orga s eCesuiQue xe uton ls odiis r e tme a y nlt, .. an ifs t ge, e t
Page 25 of205
su re
Fr au d. co
M orga ast UETA ...a isonl t tans donsbewe npar se h o t ge, he . pple y o r ac t e de ac fwhi h c
106.
aler i y,equiy consder delber e and i entonalaler i ofa t natvel t i ed, i at nt i t aton
pr udest aler oft t ng,is Success orA s gnee t eoff om undoi t ecl he t or hat hi t or si her r ng he
NOTE i H-- lbe atl ei natdt av d c fusonn' svi i r ly s -dei r ey lmi e o oi on i 'vi- - s s eal
des r toyed t avoi t i plcaton or i i i ofD oubl D i ng;alenm tvel o d he m i i nclnaton e- ppi t i y,
11 9.
ww
120.
KORMAN vAURORA e a. tl
26 of 99
w.
St
118.
N OTE i des r s toyed by oper i ofl ,because, aton aw LEH M A N BR O TH ERS B A N K FSB etal m otvaton i t us Pl ntf s . i i s o e ai if
op Fo
re
116.
clo
Page26 o 205 f
su re
Fr au d. co
113.
The ddelber e elm i ton' oft or gi N O TE it avoi conf i ' i at i na i ' he i nal to d us on,'
lws i ude NOTE s j c t Fed r lDe i l ur nc a Empl eReie nt a ,ncl s ub e t o e a post ns a e, nd oye tr me
l ncomeSe urt Ac ;s eRe sv. ns & Yo c iy t e ve Er t une,11 S.Ct 945 ( 990) t r or 0 . 1 )heef e,
123.
NOTE no l ongerexit asi i a ts iy' wihi t meani oft ss, t s tecurt ' t n he ng he
D A , D SERVI CES LLC,M ERSCORP,< RS*,DA VI J.STERN P. . DAVI JAW S STERN Esquie,M I r STY ALLEN BARNES Es r K AROL S.PI quie, ERCE Esquie,a r nd
CASSA NDRA M .RACI RI NE- GAUD Esquie,ofFr r aud,f aud i t f m , r n he acm
c t ci fa wilulfa tl c onsm tve r ud, lf r ud, e ommuni tonsfa malfa d, nkfa cai r ud, i r u ba r ud,
125. pary i wrtng,delver by U . Regi t ed M ai,and each envel canied Twent t n ii i ed S. ser l ope y-
ww
Esquie,K AROL S.PI r ERCE Es r and CASSANDM M .RACI RI quie, NE- GAUD Es r quie, al agr wih eac alegaton ofwr doi by t tacqui l eed t h l i ong ng, aci escence.
KORM AN vAURORA e al t .
27 of 99
w.
AURORA LOAN SERV I CES LLC M ERSCORP M ERSO Law Of i of fces 126. DA VI J.STERN P. .D AVI JAM ES STERN Es r M I D A, D quie, STY ALLEN BARN ES
St
op Fo
re
entcem entt faud,faud by conver i f aud by i i o r r son, r nducement act f aud,def aton , ual r am i
clo
Page27 of205
su re
Fr au d. co
122.
121.
t i tng publcr onabl expect t t NOTE i a s iy;and, he nvesi i eas y s hat he s ecurt
U . BANCORP l i anam ed pary her n asi i s S. nc s t ei t s ucces ori i er tt s n nt es o LASALLE BANK NATI AL ASSOCI ON asTRUSTEE i t tf aFor gnON ATI n rus or ei 1 r ua gani i ', / a Uni por ed- oci i E ,a/ a/A Contact lOr zatonEl ak/ /REV C , ncor at Ass aton * k/
a/ a/l k/ nvesm entCompany,a/ aTrus ,tted LEHM AN XS TRU ST M ORTGAGE t k/ t il PASS- ROUGH CERTI CATES,SERI 2006-11. TII FI ES
wines ori r ponsbl f f i i a col a e A s i ent Exti cFr t s, s es i e or abrcatng or bl sgnm , rnsi aud,t hen
fl s d fa i t Exhi twih t Cl k oft Cour f lt ed an actofl rnsc ied ai brca ed bi t he er he t aciiat nti i
Fr aud,done knowi y,ors ngl houl have known. d
MI STY BARNES Esqui aleged co- piat s,f lt t soff aud upon t Cour re, l cons r or aciia or r he t
ww
KORMAN vAURORA e a . fl
28 of 99
w.
St
LAW OFFI CES OF DAVI J.STERN P. .D AVI JAM ES STERN D A. D 130. Esquie,K AROL S PI r ERCE Esquie,CASSANDRA RACI RI r NE- GAUD Es r and quie,
op Fo
re
clo
Page28 of205
su re
Fr au d. co
17 2 Us y,e Ana t sa j ur lx sa ina 369 ,w e e y r a rc i at mptng t c r Pli ifa oxi t l ffy-hous n pe c nt( 0, % ) va ie s te i o ha ge antf ppr maey it t a d r e 5 000
1 h *
byelcr mec ni lme ns(c i sg tledonebyaha wrtngma hi hol ng e to- ha ca a s rbed inatr nd- ii c ne di
a pen a/ a aut k/ open s gnat e,si t e i ltl i any var aton i t si ur f i ur nce her s ite f i i n he gnat es ound
REGI STRATI SYSTEM S I t pur ON NC, he poseofwhi appear t be s atng t ch so epar i he NOTE fom t M orgage i or t s r he t n der o peed- tans er ofM orgage debt avoi ng t up r f s t , di he
i iy oft t ue ow nerofPl ntf ' a1eged debt M ER SO cr ed a condui w her by dentt he r ai if s 1 eat t e ,
133.
B as on t f egoi any par her n f ed he or ng, t ei ound t be t ue or cor ect i i not o r r ;ts
134.
lber ly. eErc on v. dus 551U. 89, ( 7) Plas f gi t f m as i al Se iks Par , S. 94 200 . e e or ve he or
ww
Pl ntf i nots hoold i lw;r t rl t t s tntveale tont) ai if s c e n a ahe ook o he ubsa i lgai s.
KORM AN v AURORA e al / .
29 of 99
w.
St
op Fo
re
f ( Pa tesa enow ma ng cam ofowne s pt Pli ifsalge d bt ifr our 4) ri r ki li rhi o antf le d e , n a.
clo
Page 29 of205
su re
Fr au d. co
t r pa tes fciiae eihe byc hid ri , a ltt d t r omputrc e omma ( giie sgna u e, sa ,or nd di tz d i t r or tmp)
131.
I I.
JX
1 35
.
conduct si fcantbusnes i t sDiti and t a s t i par oft event or s gnii i s n hi srct hat ubsantal t he s
ww
KORMAN vAURORA e c. /l
30 of 99
w.
St
t pe s l urs cin i t sj c a ditit 28U. C.j 1 ( ( ,1 ( ) o rona j idito n hi udii l src; S. j 391b)2) 391 c .
op Fo
Venue i pr s operi t sJ ci D iti asPl ntf si m ova er - t e n hi udi al srct ai if m bl ealesat 136. i l ed i Pal Beach count Fl i wihi t D iti ,a DEFEND ANT s ocat n m y, orda, t n he srct nd
re
clo
Page30 of205
su re
af ei sat Pl ntf s or gn t e; ai if eeksr i undert Declr or Judgm entAct and t am ount elef he a at y , he
Fr au d. co
Pl ntf ,JOHN KORM AN ,cesiquet s ,hol equiabl tte and ai if t nlt ds t e il 137. pos es on oft r - t e i contover y,i al o a cii oft St t ofFl i over s si he ealesat n r s s s tzen he a e orda,
t a ofmaort he ge j iy.
138.
ww
KORM AN vAURORA e a . tl
31 of 99
w.
139.
St
TO M W I ; ND Tom W i l vi ,alo CHI EXECUTI O FFI nd, ndi dual s EF VE CER of AURORA LO AN SERVI CES LLC,supr wih SuperorKnowl a, t i edge.
op Fo
re
clo
Page31 of205
su re
Fr au d. co
1 11. PAR TI ES
l enderw asheadquarer i W im i on,Del ar Lehm an Br her t ed n l ngt aw e. ot s Ba i a wholynk s l owned s i ar ofLehman Br her agl ubsdi y ot s, obal fnance l i eadert s hat ervest fnanci needsofgovem m ent and he i al s m uni paltes,cor atons,i tt i and hi networh ci ii por i nsiutons, gh t i vi sgl l Lehm an Br her Bank i a mar -eadi ndi dual obaly. ot s s ketl ng i t nvesmentba oferng morgageand cons nk f i t umerl oanswih pr t oduct s and prci consi entw ih t Lehm an Br her name. i ng st t he ot s Phone:302- 6179 654w eb- ie addr shtp:/ st es t /www .ehmu br her ba . whi r l ot s A com ch ediect t oper ort t sweb-st hlps:/ r s he at o hi ie; /www . or nkfb. aur abn s coY
AURORA BANK FSB ( f nda lpr desba ngpr t a De e nt ovi nki oducs nd
ww
s vi l of er checki and s ngsaccount m orgages,c edi er ces. t f s ng avi s, t r t car and CD s;depostby m ai,di depost and el r c ds, i l rect i, ectoni tans er l s vi ,whi i ude hom e l r f s; oan er ces ch ncl oans,r i etnance,bond adm i sr i and m asers vi ng;com m er all ng s utons; nitaton, t er ci ci endi ol i and onlneba ng ser ces.AURORA BAN K FSB wasf m ery i nki vi or l known asLEHM AN BROTHERS BANK ,FSB and changed isname t i Aprl24t 2009.Thecompany wasf n i h ounded i 1 and i bas n 921 s ed Br ndywi Buidi 1000 W es SteetSuie 200,W im i on, a ne l ng. t r t l ngt DE 1 9801.A sofJul 1,1999,AURORA BANK FSB oper esasa y at s i ar ofLehm an Br her Bancor l ubsdi y ot s p nc. 6546179 Fax:302- 3673 428Phone:302w w w . or aur abankf b. s com
KORM AN vAURORA e a . tl
32 of 99
w.
St
op Fo
141.
re
clo
BROTHERS HOLDI NGS I fld f rCha e 11pr e tonsunde Ba pty NCI ie o ptr otci r nknz c
Page32 of205
su re
Fr au d. co
1 40.
Def endantLehm an Br her Bancor l ,a Del ot s p nc. awar bas cor aton,t ough is e ed por i hr t s i arespr desmorgageand r ai banki s ces.The com pany was ubsdi i ovi t et l ng ervi
i ncop or ed i 1999 and i bas i Br at n s ed n andyw i Buidi 1000 W es SteetSuie 200, ne l ng, t r t W im i on,D el ar 19801.Le an Br her Bancor l oper esasa s di y of l ngt aw e hm ot s p nc. at ubsi ar LEHM AN BROTHERS H OLDI NGS I Phone:302- 6179 Fax:302- 3673 NC 654428-
143.
LEHM AN BROTHERS HOLDI NGS l (tBHl' De e ntwa aglba fna i l NC t ' f nda ) s o l i nc a
s cesf11 untlSept ervi 141 i embe 15,2008 when t f11 fl f Chapt 11ba r he 141 ied or er nknl cy pt
pr e ton. bs uenty,22 a tona aflaesofLBHI(ogehe wih LBHI t otci Su eq l ddii l fiit t t r t ,he
Diti ofNew Yor seeki r i TheDebt s'caseshavebeen assgned t J srct k ng elef. or i o udge
J me M . k. rua t Doc #86,he ec e aej ntya nitr d f a s Pec Wls nt o ket t s as s r oi l dmi se e or
pr ocedur pur es,m eani t al pl ngst ed i t e caseswilbe r l ed on al pos ng hat 1 eadi il n hes l efect
c edoc 08- 3555(i an Ca eDoc f'. M anCa eDoc tc nbea c s d as ket 1 i i s M ke ) The i s ke a c es e
t ough t webst m ai ai by t Unied St esBnnknt cy Cour hr he ie nt ned he t at pt t
ww
banki equiy and fxed-ncom e s es,r ear and tadi iw es ment ng, t i i al es ch r ng, l t
m anagem ent prvat equiy,and prvat ba ng.I wasaprm ar deal i t , i e t i e nki t i y er n he
w.
St
op Fo
re
d e or' fld peiinsi t Unie Stt Ba knz cyCour f t Sout m r bt s' ie tto n he td aes n pt ) t or he he
clo
Page33 of205
su re
Fr au d. co
142.
and t Cr s oadsGr he os r oup. wih r onalheadquart si London a Tokyo,aswel asof i ocat t oughout t egi er n nd l fcesl ed hr
t word. phone numbe ofLEHM AN BROTHERS HOLDI GS 1 i 1 Avenue he es nd Addr la s r N NC s 271 oft Am ercas, ew Yor New Yor 10020)Phone:646- 9000. he i N k, k, 285Forquestonsr aed t LEH M AN BROTI ERS HOLDI GS I SChapt 11flng, i elt o I N NC' er ii
op Fo
re
144.
ww
LEHM AN BR OTHERS I NC; bsief t or ROTH ERS I c ;t si t we N hi s he D ef endantLEHM AN B securtesl t Pr ec i xct ii nvesor ot ton ng o he S. . , he ssI ) ai id t t U.hma Br tw r I (. , , t i or ton pert n i nf ma i ue n o l s nc 9 SI i u ton dde s of1 70 ( PA)lq ai of sr her Jam es w .Gi nswa ot s u s. oker deal ofLe a d R j br d lw s ee f t hm qui i aad u ughesu ubbar &19 ee( - ter or he l n daton, i appoi e nt emberh , d ascouns t t eTm see.oa sept el o h t ft LLP w as a ppoi e nt t applcaton o e he i i :er antng 2008 t Co r ent ed a or gr ii ( PC)f i uance oj a u t orerot ni Cor a on sl or ss , he I t Pr ecton nves por tc t er ofLB l a e kAneed securt es ii t us om s he r j r e t ha k t Pr tc i Decfe a j cai u t t o e tve f dudi j ng o securtesIw es orPr ecton xc w s. ii r dto a ot snow ded ofpr ecton a or by t ot i e t , nd i sl . The l qui tonha bee r eru onor bl J es u . PA) dai s n ef r i a e am of1 ( 970 ieso The c f bei adm i ser d under,t a cp he us srct ng nis e her oti of d t a es Bankm pt our f tw sout In daton of t or l P e k, t t t o 08 cy v o ( pA) The i qui i c Unie sI .
. . .
w.
St
New Y or t j t a ppo b J. es W G iu ens, as tw Tm see i am LB Ii over een y s s sout hem D i t ctofN ew sr t or he t U nied st esDiti Cour f( ti ass gne( uadersl .rxe he t at fsrct PA j u tes i j i Y or The Trl t ' f lspublc k. ts ee ul il
.
k( s N Ca e
clo
01 ( 420 J
su re
KORMAN vAURORA e a . tl
34 of 99
Page34 of205
Fr au d. co
i uded LEHM AN ncl lsprm ar ubsdi i t i ys i ares Tr ur s ii m ar . eas y ecurtes ket U. S. AURORA LOAN SERVI CES,I .Sl NC , B BROTHERS I .Neuber Ber an l , NC , ger m nc. M ort gageCor aton,LEH M AN BROTHERS BANK ,FSB ,Eagl Ener Pm ner por i e gy s,
iwedby y
Forque tonsr ltd t Le nBr he sl (tBI' SI pr e di plas c l si eae o hma ot r nc. ' PA oc e ng, e e al: )
1866- 7868 841-
I alo act asnom i i t count l r dsf t Lenderand Servi .The t s s nee n he y and ecor or he cer
com pany s erves m or gage ori nat s,s cer war t gi or ervi s, ehous l e ender whol al l s, es e ender s, r ai l et l enders docum entcus odi , t ans,s tem entagent tte com pani i ur s,i t s, etl s, il es, ns er nves or
count r der and cons ers M ERSCORP wasf mery known asM ERS@ ,l and y ecor s, um . or l nc.
cha nged isnam e t M ER SCO R P I i June 1998.The com pany w as i por ed i t o nc. n ncor at n 1996,agai i 1999 w ih ispr entpr nci pl ofbusi s l ed at 1818 Li a y nn t t es i pal ace nes ocat br r
ww
KORM AN vAURORA e a. /l
35 of 99
w.
St
op Fo
re
clo
Page 35 o 205 f
su re
145.
X RSCORP;
Fr au d. co
Suie 300, Reson,V igi a 20190t he t t r ni 6280.M ERS* wascr t d i 1998 by t m orgage ea e n ba ng i ty t cr e a s nki ndusr o eat econdar m orgagem ar ,i em aly adm i sert y t ket nt l nit he
buyi and s lng ofa Nor M ort ng eli fEgage,a t sm plf t adm i sr i ofhom e nd o i iy he nitaton m ort gages,i udi f ecl ur pr ncl ng or os e oceedi W hen a M orgage i r ser on t ngs. t s egit ed he
M ERS@ Sysem l t egaltte i hel i t nam e ofM ERSO and M ERSO act as il s d n he s
M or gagee ofr d i count l r ds.W hie N O TES ar pr vat y i t ecor n y and ecor l e i el ndor ed and s
conveyance r ded on count l r ds i t publc domai M ERSO contol ecor y and ecor , n he i n, r s
r daton of s negotatons oftt e i em aly,prva el ecor i uch ii il nt l i t y.
ww
KORM AN vAURORA e a . tl
36 of 99
w.
St
t .To avoi t need t pr par and r rust d he o e e ecor an assi ent d gnm
wih t C/unl Re or r' o c ,M ERS@hol tteas t he y c de s ' e ds il nomi ef t fuemorzaze / ne i y o he ne or he r t ebe hcar ft morgagede d o tus and astans r oc ur t yar t / e fr t r fe s c ,he e
recor on t M ERS* comput i a book cn/' s ems ded he er n ? yst y
op Fo
re
pr ded t endor ee i a M ERS@ 'm em ber.Alhough t e i no r d ofs ovi he s s t her s ecor uch
clo
Page 36 of205
su re
Fr au d. co
146.
Def endantSt ct ed A s etSecurtesCor aton,aD el m ur s ii por i awar Cor aton,a/ a a e por i k/ tSPeci - pos vehi e E1'on Fe & alpur ecl *' bruary 9t 2009 s h oughtr i underCha er11 elef pt
1 48.
C I G RO U P I C ; TI N
a pr nci s ehol ofM ER S@ .Cii oup l has t w ord' l ges fnanci s ces i pal har der tgr nc. he l s ar t i al ervi
net k,s wor panni 140 counti wih appr m at y 16, ofi wordwi The ng res t oxi el 000 fces l de.
com pany em pl appr m at y 260, s af ar oys oxi el 000 t f ound tz w or d,and hol over200 le l ds m ilon cus om er account i m or t 1 count i l i a prm ar deal i U S li t sn e han 40 r es. t s i y er n Tr ur s eas y ecur tes. ii
ww
KORM AN vAURORA e a. tl
37 of 99
w.
St
op Fo
prnci pl ofbusi i pal ace nessat399 Par Avenue,N ew Yor New Yor 10022.Cii oup i k k, k, tgr s
re
Defnda Cii oup l (c ii oup' i aDel r Cor ai t tmant nsis e nt tgr nc. t tgr ' s ) awa e por ton ha i ai t
clo
Page37 of205
su re
Fr au d. co
147.
Cii ort tM gage,l i aD el nc. s awar Cop or i t m ai ai isprnci pl ofbusnes e aton hat nt ns t i pal ace i s i Ur n bandal l e, owa 503232402,4740 1 tSteet Cii ort 21s r . tM gage,l i a prnci nc. s i pal s ehol ofM ERS@ . har der
1 50.
Countywi Fi r de nanci Cor a i i orw asr pectvel aprnci s ehol of al por ton s, es i y, i pal har der
G RS@ .
151.
FA N N I M A E; E
D ef endantFa eM ae i af aly charer cop or i t m ai ai ispri pal nni s eder l t ed aton hat nt ns t nci
pl ofbusnessi W as ngt D C 2001 2892,a 3900 W iconsi Avenue,NW ,i a ace i n hi on, 6t s n s prnci s ehol ofM ERS@ ,and hasacharer s on t M ERS@ boar of i pal har der t ed eat he d diect s.Phonenum ber202- 7000. r or 752.
ww
KORM AN vAURORA e a. fl
38 of 99
w.
St
op Fo
re
clo
Cor ae Cent ,100 N ort Tr Steet Charote,N ort Car i 28255.Bof and por t er h yon r , lt h olna A
Page38 o 205 f
su re
Fr au d. co
1 49.
CI M ORTGAGE,l TI nc;
Def endant ,
Def endantFr e M ac i a f aly charer cop or i t m ai ai isprnci eddi s eder l t ed aton hat nt ns t i pal pl ofbusi si M cLean,V igi a,22102ace nes n r ni 3110,at8200 J onesBr anch D rve,i a i s prnci s ehol ofM ERS@ ,and hasa charer s on t M ERS@ boar of i pal har der t ed eat he d
GM ACRFC ak/ RESI / a DENTI CAPI AL TAL LLC a/ aRes k/ cap, d/ a GM AC RESI b/ DENTI FUN DI G CORPORATI ; AL N ON
Resde ta Fundi Cop or ton,(C AC' i aM i ot Cor ain t tmanti is i n il ng ai C GM 's ) nnes a por to ha i ans t
prnci pl ofbusi sheadquarer 300 Renai ance Cent Detoi M i ga i pal ace nes t ed ss er, r t chi n 482653000 .GM AC i aprnci s ehol ofM ERS@ . s i pal har der
154.
isprnci pl ofbusnes headquarer 2700 Sander Road,Pr pectHei sllnoi t i pal ace i s t ed s os ght li s
Defnda J or n Chas & Co (tPM C ' i aDea r Cor r ton t tmai ansis e nt pM ga e % J )s lwa e po a i ha nt i t
prnci pl ofbusnes i New Yor New Yor 270 Par Avenue 1 7.JPM C i a i pal ace i sn k, k, k 001 s
ww
KORM AN vAURORA e al t .
39 of 99
w.
St
155.
op Fo
Defnda HSBC Fi nc Cor ai (C e nt na e porton C HSBC')i aDelwa eCo or tont tmai ans 's a r p ai ha nt i
re
clo
Page39 of205
su re
Fr au d. co
152.
FRED DI M AC; E
Defnda W el Fago & Compa ( elsFa go' i aDelwa eCor ai t t e nt ls r ny 1 r ' s W ) a r por ton ha
m ai ai isprnci pl ofbusnessi San Fr s Calf i 420 M ont er nt ns t i pal ace i n ancico, iom a, gom y Steet 941 W elsFar i aprnci s ehol ofM ERS@ . r , 63. l go s i pal har der
157.
Company t m ai ai isprnci pl ofbusnes i San Fr s Calf i 420 hat nt ns t i pal ace i sn ancico, iom a,
M ont gomer Steet 94163.W elsFar i a prnci s e derofM ERS@ . y r , l go s i pal har hol
158.
s ch,r ew and i e l ttest pr ecthom ebuyer and m orgage l ear evi nsur and il o ot s t enderswho
i ti r esat ALTA@ i hea nves n eal t e. s dqum er i W as ngt DC 20036,1828 L St ed n hi on, Norh W es Suie705.Phone 202- 3671.Am ercan Land Til A s ociton@ i a t t t 296i te s a i s
prnci s e derofM ERS@ . i pal har hol
ww
KORM AN vAURORA e al t .
40 of 99
w.
St
op Fo
as aton and voi oft absr and tte i ur soci i ce he tact il ns ance i t ALTA@ member ndusry. s
re
De e ntAme ia La Til As ocai (E f nda rc n nd te s iton@ < ALTA@')i t nai ta ' s he tonalr de
clo
Page40 of205
su re
Fr au d. co
156.
Def endantA s oci esLand Til I wasf s at te nc ounded by and f r esa e a m orgage or eal t t nd t pr es onal wih t uni needsoft i t y i m i They s of si s t he que he ndusr n nd. ervePal Beach, m
exec ed t Cl ng bet ut he osi ween LEHM AN BROTHERS BANK FSB and t sPl ntf , hi ai if accept M ERS@ ast M ort ed he gageeofr d.Locat at4050 US Hi ecor ed ghway 1,Suie 319, t
160.
su re
Company' polcyhol s'sur usi one oft l ges i t i s i der pl s he ar t n he ndusr and have t bes ty he t
ww
KORM AN vAURORA e a . /l
41 of 99
w.
St
op Fo
re
clo
Page 41 of205
Fr au d. co
D ef endantSt ewar t
159.
r epres i t r esa efnance i ty,an i ty t em pl m or t 280, entng he eal t t i ndusr ndusr hat oys e han 000 peopl i vit l ever com m uniy i t cot r H eadqua er at1 1 Rhode I l e n r ualy y t n he mty. rt ed 77 sand Avenue,N W Suie400,W as ngt D . 20036,t as oci i wor t e ur t t hi on, C. he s aton ks o ns e he contnued sr h oft na i i tengt he tons'r dentala com m er alr esat mar s;t esi i nd ci eal t e ket o
pr omot f ra et call ng pr i and f t spr es onalexcelence am ong real es ai nd hi endi actces oser of si l
es at fnance em pl tei oyees t ough a w i r hr de ange of educatonalpr i ogram sand a var et of iy
publcatons.lsm ember hi ofover2, compani i udesal el ent ofr esat i i t s p 400 es ncl l em s eal t e
f nance:m orgage com pani m or gage br i t es, t oker com m er albanks,t it W al St s, ci hr f s, l reet
prnci s ehol ofM ERS@ a one ofisOrgi or i pal har der nd t i nat s.
Fi tAm ercan Til l ur rs i te ns ance Cop or i pr desfnanci s cestlough isTil aton ovi i al ervi lr t te l ur nce and Servi s enta isSpeci t l ur ns a ces egm nd t aly ns ance s ent The Fi tAm ercan egm . rs i
ww
Fam iy ofCompani cor busnesslnesi udette i ur nce and cl i s tem ent l es' e i i ncl il ns a osng/ etl
s vi tte pl m anagem ents ces;tte and ot r pr er ces; il ant ervi il her eal opert r y ecor and i ages; ds m
KORM AN vAURORA e al t .
42 of 99
w.
St
162.
op Fo
202- 2700,w eb- ie,www . orgagebankers. g.M ort 557st m t or gage Ba nker Ass aton i a s oci i s
re
clo
Page42 of205
su re
Fr au d. co
De e nt( orga Ba r As oca i (< f nda M t ge nke s s iton tMBA' i t naina asociton ( ' s he to l s ai )
161.
and bnnki tus ,a i t ng, r t nd nvesmentadvior s vi Fis A merca ser hom ebuyer s y er ces. r t i n ves s and s l s,r esat pr essonal l n orgi or and s cers,com m er alpr eler eal t e of i s, oa i nat s ervi ci opert y pr es onal hom ebuidersand ot si ved i r i i and com m er alpr t of si s, l her nvol n esdental ci opery
t ansactons w ih pr r i t oduct a ser ces s fc t t rneeds.W ih exper ence datng s nd vi pecii o hei t i i
back t 1889,Fis Am eri of er iss vi t ough diectoper i and a net k of o rt can f s t er ces e r atons wor qualfed agent acr t Unied St esaswel asi em atonaly.Fis Amercan Til ii s oss he t at l nt i l rt i te l ur ns anceCor ton i l ed at1 Fis Am ercan W ay,Sant Ana,Calf i 92707, pora i s ocat rt i a iom a phone num ber800- 3643.Fis Amercan Til l ur 854rt i te ns anceCor aton i a prnci por i s i pal
A m er cans i t r dr i n hei eam cas l D oi bus nes as M er ilLynch tes. ng i s rl s he es dental t t Hom e Loans,t company i one oft r i i m or gage unis of he fnanci gintBa ofAm erca.lsoferngsi ude ava i y of i al a nk i t f i ncl ret
ww
Addr and Phone num ber 4804 DeerLake DrveEas,51 Fl Jacks le,FL ess ; i t oor, onvil 322466484,Phone:904- 6000. 218KORM AN v AURORA e a . tl Page 43 o 205 f
43 of 99
w.
St
op Fo
re
163.
C R RI LY N CH CRED I CO RPO R A TI N ; LL T O
clo
su re
Fr au d. co
val i pr uaton oduct and s vi hom e war nt pr s er ces; ra y oduct pr s; opert and cas t i ur y ualy ns ance;
165.
CERTI CA TES, SERI 2006- i a Phant - iy i1t t e ext i w asnot H ent t ES 11; s om Entt * o h l l cr ed undera sat e orcodeofany sat oroft UNI egaly eat ny t ut t e, he TED STATES.l t appear on t f ofi t exitasacom m on-aw t ltunderiss a eConsiuton as s he ace t o s l rts t tt tt i an Uni por ed- oci i m uch lke aM ass ncor at Ass aton; i achus t Tr ti notdependa upon ets us s nt
ww
SERI 2006-11appea t be l uly cr ed wihi New Yor s a e,buti nota ES rs o awf l eat t n k tt s LegalEntt i t St e ofFl i notapers ast tt m i defned. - iy n he at orda, on ha er s i
KORM AN vAURORA e a. tl Page44 o 205 f
44 of 99
w.
a sa ef ise se er t rope aesunde isown by-a (he1w oft sc e . ny tmt or t xitnc ahe r t rt lws t a hi as l
St
op Fo
re
clo
nonpr i couns i enttes,a pl an actve r e i s oft elng ii nd ays i ol n uppor i tng bonowereducaton event natonwi PM IM orgage I ur i s i de. t ns ance CO i a s prnci s e derofM ERS@ . i pal har hol
su re
t %Bes Pl he t acest W or i t Bay Ar 'by t San Fra s Eas Bay, o k n he ea' he ncico, t and Sii Valey/ J Busi sTi esi 2005,2006 and 2007! lcon l san os nes m n Form or t n 35 year PM lhascombi isrs m anagementexpertse e ha s, ned t ik i he vi t s. a f nanci s r h t s nd i al t engt o erve t evol ng needsof our cus om er PM Isi ur ' ns ancepr oduct s s upportt m orgage fnance s t by he t i ysem pr di pr ecton t l ovi ng ot i o ender and i t s i t eventofbor ower s nvesor n he r def t By pr ec i m orgage lnder and i t sf om cr tl s aul. ot tng t e s nvesor r edi os es, PM Ihel t ens e m orgages ar avaia e t qualfed hom ebuyer ps o ur t e l bl o ii s. W hen a qualfed borowercannotm ake a 20 per ii r centdown paymenton a home,l ender wilofen per i a s alerdown paymentand pur s l t mt m l chase m orgage i ur t ns ance. PM Iapplesl ng r ear anal i ,and prci prnci est m anage i eadi es ch, ytcs i ng i pl o rsk concentaton,and l sm ii i experie t as i tl i r i os tgaton ts o s s endersand bonower f s aced wih pos bl f ecl ur PM Iwast fr tmorgage t si e or os es. he is t
Fr au d. co
( e n lPM IM o t gel ur nceCO (TM l'; Ivotd a oneof Defnda t rga ns a ' PM ) e s
164.
BANK NATI ONAL ASSOCI ON a tuse (he r te', s d, ope ai ATI s r te, t T use 'l asume by r ton
of l ,a1 of t labiii and oblgatons ofLasale Bank,N atonalA s oci i s aw l he i ltes i i l i s aton, erves j aFor gn U ni ei ncop or ed- s ociton,whi i aPhont - ii (1 t t. ext at A s a i ch s om Entty *, o je ent
Ce tfc t- de li f a aleg Tr twhih doe notlgal e s,t i nota riiae Hol rs, or n l ed us c s e ly xit hus s
167.
Def enda THEODO RE SCHULTZ,asV i Pr dentofM ERS@ ,Certf ng Of i nt ce esi iyi fcer i Gr or/Assgnor concur enty THEOD ORE SCHULTZ i AsssantVi Pr i s ant i ; r l s it ce esdent ofAURORA LOA N SERVI CES LLC asGr ee/A s i ant sgnee;10350 Pa k M eadow s r Drve,Litet Col ado 80124,Phone:720- 3000. i tl on or 945-
ww
KORM AN vAURORA e a . tl
45 of 99
w.
St
op Fo
re
clo
Page45 of205
su re
Fr au d. co
166.
Def endantJ ANN REI ,Vi Pr i O N ce esdentofM ERS@ ,asCertf ng Of i ,i actng i iyi fcer s i n
capaciy asGr or/A s gnor,concur enty occupi an Ofi i t Def t t ant si r l es fce n he aul
Res uton D eparmentasan Empl ol i t oyee ofAURORA LOAN SERVI CES LLC,Gr ee ant /Assgnee;10350 Par M ea sDri Litet Col ado 80124,Phone:720i k dow ve, tl on or 9453000.
169.
LAU RA M C CA N N ;
AURORA LOAN SERVI CES LLC,1 0350 Par M eadowsDrve,Litet Col ado k i tl on or
1 70.
ww
KORMAN vAURORA e al / .
46 of 99
w.
St
op Fo
re
clo
Page46 of205
su re
Fr au d. co
168.
JOANN REI ; N
Def endantLAW OFFI CES OF D AVI J.STERN Pr es i D of sonalAss aton,900 Sout oci i h
Pi Ilnd Roa Suie400, a ai Fl i 33324ne sa d t Plntton orda 3920, PhoneNumbe ( 233r 954)
8000;
172.
OFFI CES OF DAVI J.STERN P. . 900 Sout Pi l l Road Suie 400, D A , h ne sand t
173.
Def ntCA SSANDRA RACI RI AUD ,Es ,a a1 tmesr evanther n i enda NE- G q. t 1 i el ei s empl oyed by t LAW OFFI he CES OF DAVI J.STERN P. . 900 Sout Pi l and D A, h ne sl
ww
KORM AN v AIRORA e al J t .
47 of 99
w.
St
174.
CASSANDRA RACI RI NE- GAUD ,Es r Bar ond Number450065; quie, &
op Fo
LAW OFFI CES OF DAVI J.STERN P. .900 Sout Pi l l Road Suie 400, D A, h ne sand t
re
clo
Page 47 of 2 05
su re
Fr au d. co
171.
t LAW OFFI he CES OF DAVI J.STERN P. .900 Sout Pi l l Road Suie 400, D A, h ne sand t
176.
D A R LI E D I N ETZ;
Def endantD ARLI DI NE ETZ,Not y expi 03/ 201 empl ar res 22/ 0, oyed by AURORA
LOAN SEVI CES LLC t acknowl o edget si he gnamresofVi Pr dentofM ERS@ ,or ce esi
t t w ines es,f he wo t s ound at 10350 Pa k M eadowsDrve,i Litet Col ado 80124. ; r i n tl on, or
ww
w.
St
op Fo
re
clo
Pag 48 of205 e
su re
Fr au d. co
175.
177.
and ever s ehol ofM ERSCORP,who ar eihernamed her nabove i t s yl of y har der e t ei n he t e
t scas orot swhi m ay benamed ast ri ii ar r hi e, her ch hei denttes e eveal ed. 178.
count y; r
179.
185.
ww
KORMAN vAURORA e a. tl
49 of 99
w.
St
op Fo
R s* M em ber r s erl s egi t oans and r epor t ans er f ecl ur and ot t r f s, or os es, her
re
clo
Page49 o 205 f
su re
Fr au d. co
Nom i and M orgagee i f nee t n avorofLEHM AN BROTI IERS BAN K FSB,i aver n y
lm ied capaciy,i nam e onl asM orgagee ofr d,f t beneftoft Benefci y, i t t n y t ecor or he i he i ar who atal tmesrel 1i evanti actng f t benet oft Gr or s i or he k he ant ; 187. 188.
M ERs* s vesasNom i f Pl ntf sm orgageby t tPr aton;as, er nee or ai if t aci ocur i M ERs* di notacce sai appoi m entasNom i /M ort d pt d nt nee gagee of
Pl ntf ' M ort ai ifs gageby i s ent and t ewasno consder i i ved; ndor em , her i aton nvol 189.
capaciy,t hol t m ort t o d he gage len i er t nott hol at i er ti t m ort i nt es , o d l nt es n he gage len; i
193.
own s i a yofM ERSCORP,oi l ors ve aly, t ot r na ory tt be ubsdir j nty e r l wih he s med e o
nam ed,cr ed,ora i y em pl an Entt i whi isbusi sm odelact i s a eat ctvel oy iy n ch t nes s n uch
ww
KORM AN vAURORA e a. /l
50 of 99
w.
St
op Fo
re
clo
190.
Page50 of205
su re
Fr au d. co
186
196. 1 97.
i er tofPl ntf asa Hom ent es ai if owner and beleve i conta y t PublcPolcy' , i s rr o i i ,
198.
whie benefci i er tm ay be negotat bet l i al nt es i ed ween i nvest sbyway ofi s entand or ndor em
o her ofser ci rght fom one M ERS* M em bert anot M ER SO M em ber;how ever vi ng i s r , 201.
202.
s at s Cons iutonaly Cr ed O f i occupi by t Publc' R egi t arofD eeds; t e' tt i l eat fce ed he i s sr
ww
203.
r ai isorgi prort i t Publc,wih M ERSO asM orgagee ofr d;how ever et n t i nal i iy n he i t t ecor ,
KORM AN vAURORA e al t .
51 of 99
w.
St
M orgagepos- osi wihi t count wher n Pl ntf sr - opery les; t tcl ng t n he y ei ai if ealpr t i Pl ntf sorgi M orgagee i r ded undert nam e ofM ERSO i t s ai if i nal t s ecor he n hi
s eq ntof-e or (ntaM ERs*)a quiii ofPl ntf ' de wil ubs ue fr c d i r c ston ai ifs bt l
op Fo
200.
M ER SO cl m s t one oft advant ai hat he ages ofispa l sys em s i t ans er t per ess t sr f
re
clo
Page51 of205
su re
Fr au d. co
t R ealpar y- n- nt es i as he - t i l er t s; ,
195.
d oan ai i f < R S* di notl Pl ntf any m oney;and, Pl ntf does notow e any m oney t M ER S ; ai i f o
210.
agr ent Pl ntf uniat aly appoi ed M ER S* as M ort agee i nam e onl f t eem , ai if l er l nt g n y or he
212.
213.
ww
KORMAN vAURORA e a. /l
52 of 99
w.
St
211.
M ER S* i a Banknz t ys p c Rem ot E1s alpur e vehi e; e * peci pos cl M ERS* hol no ass s; ds et M ERs* i M orgagee ofr d f overt r y m ilon actve m or gages s t ecor or hi t li i t ,
op Fo
defnii ofdM ort i ton < gagee,'er Pl ntf spr t i notm orgaged t M ERSO, notby ' go ai if opery s t o
re
M orgagee i nam e onl as s M ERS* f ist f lwihi t f com er oft l t n y; uch a 1 o al t n he our s he egal
clo
t M ort he gage;as s h, uc
Page52 of205
su re
Fr au d. co
204.
under t i t covert pot i la lt s em mi diec l fom isr e as capialzed o he ental ibiiy t ng r ty r t ol prm ar m orgageeon t ofm ilonsofM orgages i y t ens li t ;
215.
s r wih ( ERSCORP,orhave ave y cl wor ng r atons p,ast appea as ha ed t M r ose ki el i hi o r em pl oyeeswho w or f t s e Entt asPer k or he am iy, sonnelPolcy em anat fom a i es r
Com m t SOuf m Ce;
218.
219.
M ERs* and M ERSCORP havecomm on D iect s,orcom m on Of i s; r or fcer oper i ofM ERS* and M ERSCORP s e adependency;and, atons har
220. 221.
222.
M ERs* hast went t y-hous ceriyi Ofi s and tf ng fcer ; M ERS*'t t -hous Certf ng Of i rsa e notpai by M ERSO; t and iyi fce r d w en y
223.
224.
ww
KORM AN v AURORA e a . tl
53 of 99
w.
whatentt s d N OTE i conveyed t on isM I iy ai s o, t LESTONE REPORT; M ERs*' M I LESTONE REPORT i acom put r ai r d ofeach s er et ned ecor
St
op Fo
re
clo
su re
Fr au d. co
21 4.
s < RS* el t oni r s i s t f l ofacces , as s ec r c egi katon ys em or ack uch,no N otce ofnegotat i i ed
benef ci i er ti r ded, er A s gnorw ils ilappearon t M ER S( sys em i al nt es s ecor & t go, si l tl he m ai ai ng ispos ton ofpr ort r ghttte and i er t afer conveyance of al r ght nt ni t ii i iy, i il nt es , t li
230.
c tt easngl empl r' ybehedj ntya s r lyla ef vi ai onsiut i e oye 'ma l oi l nd eve al ibl or oltons
undert W ARN Act See W ARN Act Pearson v.Com ponentTech.Corp. 247 he . . ,
ww
F. 471,478 ( Ci 2001) 3d 3d r. .
KORMAN vAURORA e a. tl
54 of 99
w.
St
231.
op Fo
conveyance ofbenef ci i er t butl i al nt es , acks pr operr ptf s d C l i D ocum ent () ecei or ai os ngs*,
re
t cure M ERS* ee toni r gitai s t m ( I he r nt lcr c e srton yse M LESTONE REPORT)s ng howi
clo
Page54 of205
su re
Fr au d. co
227.
226.
Succes - emberup- est ( ERS* s t w ih ist ans i as, sorM dat he M ysem t t r acton;
232.
Pl ntf r aleges a af im s each and ever pr ai if e- l nd fr y ecedi par aph oft s ng agr hi
233.
234.
235.
Pl ntf s sgnam r i notf ai if i es ound on AURORA ' copy oft aleged copy S he l
236.
ww
237.
55 of 99
w.
St
op Fo
re
clo
su re
Fr au d. co
V. NA TURE O F A CTI N O
239.
240.
W hi M ER s* hasno benef ci i er t di do s t i w her by, ch i al nt es , d o w ce; e M ER s* ow n oper i atonalpr ocedur m anualand cor at by- aw s es por e l
241.
243.
s ng t f ecl e on aNor M orgage /H ome,val t eofSi l undr andeeki o or os fE- t ue her x-l ed-
Fit Thous nd ( fya $650,00. ,ofwhih AURORA ha ar dycolece Ei y0 00) c s lea l td ght one-
ww
KORM AN vAURORA e a. tl
56 of 99
w.
St
alge y purha e Pli ifsde f Te ( 0)Fe r Res r Not ( ', le dl c s d antf bt or n 1 de al e ve es FRN' )
op Fo
re
242.
clo
pr udeM ERS* fom tans eri aBenefci -nt es ; ecl r ' r f rng i all er t
Page56 of205
su re
Fr au d. co
238.
c e t ha c l t da t a ulde ,a i e e tr t ( r al r dior d olece n mlwf bt n ntr s ae whee 1 l n c r swe e a d t t r t te e de i t l ngua of oa ha ge r dde oge he ) ha xc e d, n he a ge
US 906 ( 1985) .
245.
m entoned l i egalA ctons knew A U R O RA i nott or gi Lender,l i s he i nal acked St ng at andi com m encem ent er f i t a untm el col abl ass gnm ent abs a l , go abr ca ed n i y or e i , ent egal f oundaton,f l sai A s gnm entw ih t Cl k oft C our i or t s i ied d si t he er he t n der o how pr of oof an i er ti Pl ntf s pr nt es n ai if opery,i a actofl ri c Fr t s n nt nsi aud,di do so t i d w ce;
246.
i Cas NO .09 CA 01 n e 7057,AURORA l acked St ng ati andi ncepton,fl af i ous i ied rvol
ww
A cton,di do s becaus overni y per i d o e net centoff ecl ur ar uncont t and w hy or os es e es ed pay t r di f on an A s gnm enti t cas i uncont t how ever he ecor ng ees si f he e s es ed; ,
KORM AN v AURORA e a . tl
57 of 99
w.
St
A tom ey ofr d knew ,ors t ecor houl have know n by cr i t Li Pendens d eatng he s
op Fo
re
clo
Page 57 of205
su re
t RI St ut it i t enf ceabl r e.'The Cour f he CO at e, fw ce he or e at ' t ound no r eason t i pos a r r entt t Pl ntf s o m e equi em hat he ai if how t t hat he D ef endanthad been convi ed of colectng a unl f de ,nl ng ct l i n aw ul bt nni a %l s ki 'ope aton.The debti uded t f t exacton toan har ng' r i ncl he act hat i ofa us i i er tr er urous nt es at ender t debtunl uland t i a1 ed he awf hat s l t i necess y t s hat s ar o uppor t Ci lRI acton.D urant Bros.& t he vi CO i e Sons lnc.v.Fl hi N at Bank.755 F2d 239,Cert deni 473 . us na I . ed,
Fr au d. co
a t lydueTe F cual n ' ,f.a ot rgood a vaua ec i r ton'(o be RNs ..nd he nd l bl onsde ai 't
244.
248. 249.
25 0.
251.
253.
254.
Pl ntf ' NOTE sam e asmoney,t fnance sai l t entcom pany; ai ifs o i d nvesm 255.
ww
256.
257.
KORM AN vAURORA e a. tl
58 of 99
w.
St
AURORA' vi ain ofTee S olto lphoneCons rPr ecin Ac ( ume ot to t TCPA)of1 991)
op Fo
re
clo
Page58 of205
su re
Fr au d. co
aco nuptl Fim t f ciiaes d Lace usngt j tc s tm ,a ng f af e; aw r o a ltt ai r ny i he usie yse tki or e
247.
A URORA i at ptng t com m i an a ofLar s tem i o t ct ceny agai tPl ntf usng ns ai if, i
258.
*, go r ptt Pl ntf atCl i f t Pr ss y- fE /M oney(1 er conceaj ( j; ecei o ai if osng or he omi or Nor ejt
Ep' DANT' us ofM ERs* aspa ofison goi crm i ent prs EX S e rt t ng i nal er ie,
259. D
260.
2006-11hol ng Pl ntf saleged debt i nota per on ast t m i def e under di ai if l ,s s hat er s m d
Varest i ypesofFr aud,i udi butnotlm ied t mai f ud,wief aud, ncl ng i t o, l ra r r
262. morgagef aud,ci lf a i rns cf aud,exti i f aud,colat alfaud,and t r vi r ud, nti i r rnsc r l er r consr i f aud;f her or tuctve r urt m e,
263.
pr entPl ntf aNotce ofBr es ai if i each prort accel aton,pur uantt par aph 22 of i o er i s o agr
ww
KORM AN vAURORA e a. tl
59 of 99
w.
St
op Fo
re
261. causng Pl ntf fi i ai if nanci har ,M ent Angui h and Emotona Dites al m al s i l sr s;
clo
su re
Fr au d. co
265.
Pl ntf r aleges and af i m seach and ever pr ai if e- l fr y ecedi par aph oft s ng agr hi
Bet ween J y 1S2006 and Jul 31S 2006 cerai Vert Contoli ul t y t tn iied r lng-
o ocum ent ilwer execut bet s* e ed ween t f l ng pari , LEHM AN BROTI ERS he olowi tes I
B A N K FSB ,as t O r gi or,LEH M A N BRO TH ER S H O LD I G S I C ,as t Seler, he i nat N N he l STRU C TU R ED A SSET SECU RI ES C O RPO R A TI N ,as t Pur TI O he chaser/D epos t ior, LA SA LLE B A N K N A TI N A L A SSO C I TI N as t Tr t A U R O R A LO A N O A O he us ee,
com m onl r er ed t asa Tnl t a k/ R EM I ,w hi r r Pl nt f s N O TE and t y ef r o s, / a C ch equied ai if he N O TES ofot s s m iary siua ed f is ver exi ence,w het Pl ntf w as cogni her i l l t t or t y st her ai if zant
267.
Ones hVe iid Contoli Doc ntofs i REM I ( uc rfe r lng- ume ad C LEHM AN XS
ww
KORM AN vAURORA e c. fl
60 of 99
w.
St
op Fo
re
clo
SERVI CES LLC ast Ser cer,cr ed,i par,a Uni por ed- oci ton, he vi eat n t n ncor at Ass ai
Page60 of205
su re
Fr au d. co
269.
consgned a1 rght tte atd i er tofPl ntf sW etpr ss p N oTEElovert i l i , il z nt es ai if - omi or ' o
LEHM AN BROTHERS H OLDI NGS l atCl i asapr al ari at wihi NC osng, es e, tcul ed t n
ASSI GNM ENT AGREEM EN T wasexec i ofa Verfed Contoli D ocum ent uton ii r lngtted CTRU ST AGREEM EN T'; il ' '
271.
Contoli Docum enttted C RUST AGREEM EN T,'dat Jul 1S2006, r lngil T ' ed y t
on fl wih t Se urte a Exc ng Commison,npa tc eae aFor g ( w ie t he c iis nd ha e si i r, r td ein Ne Yor Uni or aed- s ito tte LEHM AN XS TRUST M ORTGAGE PASSk) nc port As ocain ild
THROUGH CERTI CA TES.SERI 2006-11,execut by Elen V .Ki an f H ES ed l em or STRUCTURED ASSET SECURI ES CORPORATI ; TI ON
Sus L.Fel f LASALLE BAN K NATI an d or ONAL ASSOCI ON asTr t i tus ATI usee, n r t
ww
f t Benefci y; or he i ar
KORM AN vAURORA e a. /l
61 of 99
w.
272.
St
op Fo
re
clo
Page61of2 05
su re
s d M ORTG AGE LOAN SALE AND ASSI ai GNX NT A GREEW NT,s Secton ee i
Fr au d. co
268.
pur esofSe ton 111 Tr nse ofSe vcng (i s; pos ci .5, a f r r ii rght)
275.
ASSI GNM EN T AGREEX N T,TRU ST AGREEX NT,i aVerfed Contoli s ii r lngD ocum ent on f l w ih t Secur tes and Exchange Com m i si tted ESER V I N G , ie t he ii s on, il E CI
276.
Sel ier orM ase Se vc r dute t c 'c , v tr r ie , is o omme on ora trNove r1 h20 ( t nce fe mbe 5t 06 pos-
if s oundt sf l ng sae nt al'eas i hi olowi t tme ; h sgnme ,s eortans ro hes rvcng o nt al r fe ft e ii f t m orga lan doe notafe tan tr orc ton o hemorga i tume s he t ge o s f c y em ondii ft t ge nsr nt,
ww
KORMAN vAURORA e a. /l
62 of 99
w.
St
op Fo
re
clo
AGREEM ENT' ent ed i o asofJ y 1t2006 by and among LEHM AN BROTHERS ' er nt ul S
Page 62 of205
su re
Fr au d. co
Jer d W .D r al eyerf A U R O RA LO A N SER V I or CES LLC ,as Ser cerorM as er ser cer vi t - vi ,
273.
negotaton w hi t pl bet een Pl ntf and LEH M A N BR O TH ER S BA N K ii ch ook ace w ai if FSB pror t is B a i o t nknl cy i i f lf ce and ef ect as, pt s n ul or f ;
279.
BR O TH ER S BA N K FSB i good f t notcogni n aih, zantas t a change i Legalr te t o n -fil o Pl ntf s D ebt o blgaton or M or gage- a n;w her ai if - i i t loa eby,
(1 2
( Sc .Thedicos er quieme so t ss ci appl t anyc e per onexc as a) ope s l ur e r nt f hi e ton yo over d s ept ( A Gc e e r on' me anyper on,a dei d i j226. a)22) t be ome t owne 1) Gov r dpe s ' ans s s fne n 2( ( , hat c s he r
ofan e s i m or gage I by ac r ng I galtt e t t de oblgaton,w het r t ough a xi tng t oan qui i e il o he bt i i he hr pur chas as i e or ot t ans e ,and who acqui s m or t one m ort e, s gnm nt her r f r re e han gage I n i a oa n ny t ve- ont pe i For pur esoft s s c i n,a s vi r ofa m or gage I s lnotbe wel m h r od. pos hi e t o er ce t oan hal t e ed as t ow ne oft oblgat o i t s vi er hol tte t t I r at he r he i i n f he er c ds i l o he oan,or tte i as i d t il s s gne o t s r ce s el f t admi s r i c he e vi r, ol y or he nit atve onve enceoft s r c ri s vii t oblgaton. ni he e vi e n er c ng he i i
( A im or gageI 'm e any c umerc di t ans ton t i s ur d by t pri i 2) t oan' ans ons re t r ac i hat s ec e he nc pal
( Didos r re ..anyper ont be omesacove edpe on asde i d i t ss to b) s ure equi d. . s hat c r rs fne n hi ecin
ww
s lm ai or de i r t di c os e r qui ed by t s s c i t t c um er on or be ore t 30t hal l lve he s l ur s e r hi e ton o he ons f he h c endar day f l ng t ac ston dat .I t ei m oret onecove ed pe on,onl one al olowi he qui ii e f her s han r rs y di cl ur s lbe gi n and t cove ed pe s s lagr am ong t s l s whi c re s os e hal ve he r r ons hal ee hem e ve ch ove d per on s lc pl w ih t r s hal om y t he equi m e s t t s s c i i pos s on any or aI of t . re nt hat hi e t on m e I hem
KORM AN vAURORA e al t .
63 of 99
w.
St
op Fo
re
clo
Page 63 of205
su re
Fr au d. co
Servi Pl ntf sdebtt AURORA ,ga Pl ntf NOTI t t efectbutdi not ce ai if o ve ai if CE o hat f d
277.
282.
Pl ntf ' M orgageLoan t LEHM AN BROTHERS HOLDI ai ifs t o NGS 1 whi was NC ch
283.
M ORTGAGE ELECTRONI REGI C STRATI SY STEM S l asNom i f ON NC nee or LEHM AN BROTHERS BANK FSB,t acti a ver lm ied capaciy,i nam eonl as o n yi t t n y,
M orgagee ofr d,f t beneftofLEHM AN BROTI ERS BANK FSB,who atal t ecor or he i I 1
t m es r evanti actng f t benef toft G r or how ever i el s i or he i he ant ; ,
ww
KORM AN v AURORA e a . /l
64 of 99
w.
St
op Fo
re
clo
Page 64 o 205 f
su re
Fr au d. co
280.
NOTI t Pl ntf ast acha ofCr t i acondii pr CE o ai if o nge edior s ton ecedentt o
and sai appoi m entcam e aboutw ihoutany consi a i , d nt t der ton' 285.
AUROM
acton i is ow n nam e,f is ow n be i,cl m i t be t R ealpm y-n-nt es i i nt or t neft ai ng o he i l er t n Pl ntf s N o r M or gage,C as N um ber09 CA 017057,i t Fit h J ci ai if fE- t e n he f eent udi al C icui, r t 286.
a H ea i on isM O TI N FO R LEA V E TO FI A M EN D ED CO W LA I T; r ng t O LE N
ww
65 of 99
w.
D1To dec ar Pl nt as bor ow e , I ks t c l e ai x r r ac he apac t t nom i e or i l a t r par y t iy o nat nc ude hi d t o e e i o an agr em e bet n t par y oft nr tpar and par y oft s cond par wihout nt r nt e nt wee he t he s t t he e t t t r part si hid y' ndor e e t s d agr em e . s m nt o ai e nt
St
op Fo
COM PLAI m aied on ors ty aferM a 6t 201 i a Exhi ttted CORPORATE NT l horl t y h 0, s n bi il
re
288.
clo
287.
su re
Fr au d. co
acceptBor ow er' uniat alappoi m entasN om i norM or gagee by i sem entD1 r s l er nt nee t ndor ,
284.
289.
Pr i esdentofAUROM
290.
292.
l y i ai i f o e M ERS*,alegedl ass gned Pl ntf s N O TE t D ef ndantA U R O RA , w ihout t expl ton ast wher w hen orw ho i acqui ed s d N O TE f om ,as M ER SO i nota ana i o e, t r ai r s par y t t e N ot and t r d i bar en ofany r es aton t M ER SO, pur ed t oh e he ecor s r epr ent i hat port A ss gnor had a aut iy t t a acton w ih r pectt t N ot See Exhi tH ' i , ny hor t o ake ny i t es o he e; bi '
ww
KORM AN vAURORA e a. /l
66 of 99
w.
293.
St
op Fo
re
clo
Pag 66 of205 e
su re
Fr au d. co
and NOTE;and,
J 11 2009and une +
op Fo
wasr ded by ecor ofPl ntf sN or M orgage ai if rE- t col a e A s i ent or bl sgnm Fl i hes at sconsi i l cr ed orda,t t e' tmtonaly eat 297. D ef endantAURORA i Pal Beach count n m y Ofi fceoccupi byt Publc' Regit ant,frs uch col a eas i entr ded on ed he i s sr ' i ts or bl sgnm ecor
re
clo
e- ot 0< r ed fom Wh0l cl h f eat r ll nv docum entC ooki m enti buta l S ega As i s gn i t ai f; f 294. i an ad Ofu a ce agass Pl nt t r ny fwhih i t com m c so f evi puT os ,OneO l es v i pr zento ce- es i ca t as paciy ORE SCRULTZ,aC ng i t t n he TH EOD r age as t 295 aciy t as i S d M o g t o s gn ai d l ks hel egalcaP * aom i f t Le er, ac t or he n he act nee r s tveOft f M ER S , g r e pec i ti S d orgage, a ai t u ol abenet i i er k al nt es d M ER s* doesnot LasaleBanu x at. l * aSM o1 fr d;s ecor ee M ERS 1vasee 0 i M orgase des gna es d t i t s a s zzsl ( gzl supJ006) . v s.2d 769,2 W 006 i r j za i , v-l am ,gz4 N . . n o m ey, orsm ga autw ri ton As s h of xto - t * Otad W i outaPO+ e< t 296. M ERS ca 1 n 1 iy t do t o ( uckst l Ca & he egal PaC t he R ea - t Z l e CS 'M BRS l pary- nt f l i t i wttng f om t n -i r ss gned b0tyM orgage i how evef Seem i y a agl ' ve' t hi W ih f s ng t e pectt S i M olga o ad anyt
'
su re
-
cl ng Pl ntf sTil er oudi ai if te go i l execut i an untm e y ed n 298. bot col a e assgnment mentone above wer h or bl i s i d e
Pr e sveExp. ns Co. M c r t Com m univ Chi opr tc, 3 So. 1 oer s i l . v. G a h t r ac i 91 2d 281
ww
w.
67 of 99
KORM AN vAURORA e al t .
St
Fr au d. co
1 USC 1 e) 5 692( .
col a eAs i orbl sgnme atc t r t ( p e r1 t 2008,upo LEHM AN e alflng nt ta hed he eo, Se t mbe 5h n t ii
cha e 11a As inme /ne iton mus f l unde J ca r vi ;a ptr ny sg nt gotai t al r udiil e ew) nd,
301.
( ptmbe 2 h 2009)i t ber t e t ASSI Se e r 4t s o eum d o; GNM ENT PREP, AURORA LOAN
ww
KORM AN vAURORA e a . /l
68 of 99
w.
St
op Fo
302.
re
clo
2009,t xhi tH ' her o atached and i t bi ' et t Er ncom or t her n by r er a ed ei ef ence,once r ecor ded
Page68 of205
su re
Fr au d. co
uter t ance ast any evi o dence as i ng Pow er of A tom ey,or s m iar aut i i See s gni - - t i l hor zaton,
299.
bot col abl ass gnm ent m entoned above,i r ded w ihoutan h or e i s i s ecor t
304.
acton. i
305.
AX NDED COW LAI T o M a N n y TO DI I SM SS 111 b) fl da trFe u r 11 201 . 0( , ie fe br a y , 0; and f l e t Verf Am ended Compl nt Rul aiur o iy ai , e
306.
fl 1e
clo
308.
BAN K FSB asaleged A s i l sgnordi pr al Pl i ifsNoTE- ort d es e antf M gaget at r part ab o hid- y
i tol n consderng t f LEHM AN BROTHERS BAN K FSB attm e of nii 310. ; nd, i i he act i
i e in ( eNumbe 09- 01 nc pto Cas r CA- 7057, a 1 t 2009) ar dyfldf Ba knz c M y 5h lea ie or n pty
ww
KORM AN vAURORA e a . tl
69 of 99
w.
St
op Fo
re
Page69 of205
su re
Fr au d. co
Dim i s f Lack- s s ed or of
312.
m anuf rng f s docum ent i a f ecl e cas w her di com m i a Fr i acm i al e s n or osur e, eby d t aud n
t tCou t s ntt awrte opi on.U. Bank.N. v.Har t r ( 20 CAha r purua o itn ni S. A. pse 51- 076684E5)( 2010) ;
313.
Supr e CourtofFl i bef e t boar of gover s oft Fl i BA R ,w am ed em or da, or he d nor he orda D avi Jam es St ' f ur m i d em s ut e sconductw ilaf ecthi prviege t pr i l ; l f s i l o actce aw
31 4.
ww
316.
s ecurii a i t R egi t ed- wnerofPl ntf s aleged de by hypot ton; tes nd s he s er o ai if l bt heca i
KORM AN vAURORA e al t .
70 of 99
w.
St
op Fo
re
31 5.
clo
how ever ,
Page70 of205
su re
Fr au d. co
311.
31 7.
DEPOSI TORY TRUST & CLEARI CORPORATI (< NG ON C DTCC' was ' )
Cl ai Cop or ton, ut lSe urtesCl a i Co p,a t Gove mentSe urte e lng a i M ua c ii e rng r nd he m c ii s
C1 arng Cor aton' e i por i , DTCC wass up t pr de an efi entand s e way f buyer and et o ovi fci af or s
318. s l sofs ii t m ake t rexc eler ecurtes o hei hange,and t cl and s te tansa i hus ear etl r ctons;
319.
DTC i owned by m any compani i t fnanci i ty,wih t New s es n he i al ndusr t he 320. Yor St Exchange bei one ofisl ges s ehol s; k ock ng t ar t har der 321.
s ii i a m ofLEHM AN BROTI ecurtzaton r IERS HOLDI NGS l nc; On t Cl i D at ofJul 31s 2006,Speci - m os v e cl he osng- e y t ala e- hi e
322. STRUCTURED ASSET SECURI ES CORPORATI i Benefci y of Ni TI ON s i ar ne-
H undr d- feen- ilone Fit M li FourHundr sevent Fi Thous seve Hundr edy- veand- ned-
Sev nt Eiht00/ 00 ( 5, 778. i DTC Book- r Ce tfc t ,obe s d t e y- g 1 $91 475, 00) n Enty riiaes t ol o
i nves or t s;
UNI TED STATES ar al cl ed t ough CEDE & Co. asnomi oft DTC. e l ear hr , nee he
ww
32 4.
71 of 99
w.
323.
St
op Fo
re
clo
su re
Fr au d. co
H OLD I G S l C w as done w ih t expr sed i enton ofsecur tzi Pl ntf s W et N N t he es nt i ii ng ai if' M or gage- n once execut bas on t V erf ed Cont oli D ocum ent fl w ih t Loa ed, ed he ii r lngs ied t
330.
ww
Not.'( wor S y'i ys mef ur e n whih hasnoty toc ure ) e' The d E ' mpl o ' e ve t c ma ut e c r d.
KORM AN vAURORA e a . /l
72 of 99
w.
St
op Fo
re
clo
BROTHER HOLDI NGS I wih AURORA' rghtt Se vi s me,n c j ton NC, t S i o r ce a i on unci
Page 72 of205
su re
Fr au d. co
Pl ntf sCl i t ,ispr eofPl ntf sN OTE t LEHM AN BROTHERS ai if osng hat t esal ai if o
325.
Pr isor NoTE woul ber um ed ast NOTE washel asa Speci - eposi;as om s p d et he d alD t hasbeen t c t i t sCount f Hundr ofyear prort s ii i as, he usom n hi ry or eds s i o ecurtzaton;
333.
334.
337.
Forpur esoft Se urte Ac ,a i smen -onta t( fne by pos he c iis t n nve t tc r c unde i d
t Ac)mea aco r c ,ta a ton, s he whe e ape s i sshi money he t ns nta t r ns ci or c me r by ron nve t s
i a com m on ent prs and i l t expectpr iss el f om t ef orsoft n er ie s ed o oft ol y r he f t he pr ot orat r pa y,i bei i m at i whet t s esi t ent prsear om er hid rt t ng m eral her he har n he er i e evi denced by f m alcerii esorby nom i i er t i t physcalas et empl or tfcat nal nt ess n he i s s oyed
ww
KORMAN vAURORA e a . tl
73 of 99
w.
St
op Fo
re
336.
clo
Pa 73 of205 ge
su re
C1 d t TRU ST A GREE= NT * he un er
Fr au d. co
Pl ntf di notunder t att tm e,nori or ai if d sand hat i nf med t W etM orgagehe - t 331. Loan wasi f aleady negotat aw ay, or t i dred; n act r i ed bef e he nk i
339.
N ovel uncom m on,orir ar devi ,w hat , r egul ces ever t appeart be,ar hey o e
alo r s eached i i bepr ft oved asm ateroff tt t wer wi y ofer ordeal i t ac hat hey e del f ed tn
undert m s orcours ofdealng w hi es abls t r char er i com m er as er es i ch t ihed hei act n ce
i t entcont act oras any i er tor i t um entcom m onl know n as a s iy; nves m r s, nt es ns r y ecur t
340.
N ovel uncom m on,or ir ardevi what , r egul ces, evert appear t be ar hey o e
r eachabl wihi sai M ORTGAGE LOAN SALE AND ASSI W NT AGREEW NT, e t n d GN
coul obs e t f Pl ntf sN O TE w oul uli at y becom e a colat alzed i er t d cur he act ai i f d tm el l er i nt es i M or gage- acked Securtes,hypot n t B ii hecat f Tr tc er ii es i s by t D TC , ed or us - tf cat s ued he sol by C ED E & C o,oris aut i agentt i t s f an i t gai d t hor zed o nves or or ns ant n;
342.
Securt pr i es cons der f l w ihi f com er oft s t m ,I iy, em s i ed, als t n our s hi er nves m ent cont act t r ;
ww
343.
KORMAN vAURORA e a. tl
74 of 99
w.
St
op Fo
re
clo
Page 7 o 205 4 f
su re
Fr au d. co
one t i capabl ofada aton t m eett countes a var abl s hat s e pt i o he l s nd i e chem es devi ed by s
338.
l t nves mentcont ,embodi a fexi e,r hert as a i prnci e, ract es l bl at han t tc, i pl
TI TLE,l i had a dut t s nc, f y o peak and dicl e atCl i t r s l s os os ng, hei ience i Fr s aud;See
R ecoupm ent a i entted t s e i t pr i gener ed f om s d i t ent cont act , nd s il o har n he oft at r ai nves m - r ' , 347. R ecoupm ent com pens i w ih t val pl , atve t he ue aced on Pl ntf s Tr actonai i f ans i
t s ce oft m oney w hi ft ded t i t ents he our he ch m he nves m chem e,ab i to. nii
348. Pl ntf poi s t t V er fed publc docum ent fl w ih t Secur tes ai i f nt o he ii i s ied t he ii
350.
ww
KORM AN v AURORA e a . /l
75 of 99
w.
St
A U R O RA i oubl D i ngi'as, sr e- ppi ' R egi t ed- ol oft sdebti ques i i LEH M A N X S TR U ST s er H der hi n ton s
op Fo
re
clo
Page 75 of205
su re
Fr au d. co
i sor i ama e ilf c whih sgniia l atr t lnds pe( meei oft nve t ,s t ra a t c i fc nty le s he a ca no tng he
344.
i m obii i s d Tr t pur uantt t Contoli D ocument i par asf l , m lzed n ai us , s o he r lngs, n t olows'
352.
Thi TRUST AGREEM ENT tT r tAgr me ' ,dae a ofJ y 1 s < us ee nt' td s ul , ) 2006the6 g e t W r emenf',i bya a ) s nd mong STRUCTURED ASSET
(he post ' ,AURORA LOAN SERVI t s De ior' ) CES LLC, smase a tr s vi r(heV a t Se vi r',a LASALLE BANK NATI er ce t 6 ser r ce ' nd M ) ONAL
A SSOCI ON ,anatonalbanki ass aton,astusee ATI i ng oci i r t
PRELI I M NARY STATEW NT TheD epost hasacquied t M orgage Loansfom t Seler,and at ior r he t r he l t Cl i D a e i t ow neroft M ort he osng t s he he gage Loans and t ot he her pr opery bei conveyed by i t t Trl t her t ng t o he ts ee eunderf i us on i or ncl i n t Tr tFund.On t Cl i Dat t Depost wilacquie t he us he osng e, he ior l r he Certfcat fom t Tr tFund asconsder i f ista f t t ii es r he us i aton or t r ns er o he Tr tFund oft M orgageLoansand t ot pr t constm tng us he t he her opery i i t Trus Fund.The Depost hasdul aut i t exec i and he t ior y horzed he uton delver oft sAgr entt pr de f t conveyance t t Trusee i y hi eem o ovi or he o he t oft M or gage Loans and t ot pr he t he her oper y cons iut ng t Trus t tt i he t Fund.A 1 covenant and agr ent m ade by t Seleri t 1 s eem s he l n he M orgage Loan Sal A gr entand by t D epost t M as er t e eem he ior, he t Servi a t Trus ee her n w ih r cer nd he t ei t espectt t M or gage Loa and o he t ns t ot pr rt consiutng t TrtstFund ar f t be i oft he her ope y tt i he l e or he neft he Hol sfom tm et tm e oft Cerii t a t t ext pr ded der r i o i he tfcaes nd o he ent ovi her n,t Swap Count pary.TheD eposior t Tm seeand t ei he er t t , he t he M aserSer cerar e erng i o t sAgr ent and t Tnlt i t vi e nt i nt hi eem , he see s acceptng t Tr tFund cr ed her by,f good a val e i he us eat e or nd uabl consder i t r pta s fci i aton, he ecei nd uf i ency ofwhi ar her ch e eby acknowl edged.
ww
KORM AN vAURORA e a . /l
76 of 99
w.
St
op Fo
re
clo
Page76 of205
su re
Fr au d. co
351.
Hu ed- ve y- g 00 1 ( 5, 778. i DTC Book- r Ce tfcae ,o be ndr se nt Eiht / 00 $91 475, 00) n Enty rii ts t
s d t i t s,colat alzed i er tf ol o nves or l er i nt es ounded upon hypot t on ofPl ntf s W et heca i ai if -
ww
w.
St
KORM AN v AURORA e al t .
77 of 99
op Fo
re
clo
su re
Fr au d. co
M orga Lo t ge ansfr t Selr .'t sexc r fom t TRUST AGREEM ENT dae om he le ..' hi e pt r he td
( iene betke he e,ha t sdicos r a Notc eds a n r t t hi s l u e bove;*l'eDe iorhasac r d t * h post quie he
353.
Pl ntf attm e ofCl i uniat aly a ai if i osng l er l ppoi ed M ERS* asM ort ageeof nt g
355.
356.
r eached tted C ORTGAGE LOAN SALE AND A SSI il Q M GNM ENT AGREEM ENT' whi ' ch i a s d-or s ol f ewor contact pr al , d- r , es e' 357.
execut by M i ed chaelHizm al ,asA ut i Si t y f LEHM AN BROTHERS t m horzed gnaor or HOLDI NGS I NC;
358
.
ww
359.
78 of 99
w.
St
op Fo
re
clo
su re
Fr au d. co
htp:/ t /www .ec. Ar vesedgr/ i l36gl7s/ s gov/ chi / dat oool14420406034039/ v050359 ex99-
l. m ht
Thi M O R TG A GE LO A N SA LE A N D A SSI N W N T s G
(hed 1k') purua t t f l ngs ii d morga l n t < 1 ', s nt o he olowi pecte Ba t ge oa purha ea wa r nte a e me s( a h a nk Tr nse c s nd ra is gr e nt e c Ba a fr t r a frAgr e nt') haspur ha e o r c i d fom he t r nse r e me s', c s d r e eve r c ranta fr si ntfedbeow ( a h a lk e ti r nse or de ii l e c z Ba
t tf a f or ' c ranmorga l ns ea h i ntfe on he < r nser s' e ti r ) t ge oa , c de iid
t M orgage Loan Schedul atached her o as par of he t e t et t
ww
KORM AN vAURORA e a . tl
79 of 99
w.
St
Loans'and,t herwih t Bank Tr f r M ort ' oget t he ans ered gage Loans t t ank M ort , he B gage Loans,'a t Bank M or gage ' nd he t Loans,t herw ih t LBH Tr f r M orgage Loans, oget t he ans ered t
op Fo
re
clo
Page 79 of205
su re
1 (l di 'ort < le ' a Stu t e As e Se urte NC t ol ngs' he t lr' nd r cur d s t c iis l Se ) Cor ai (he e ior'. por ton t r post ')
Fr au d. co
360.
ww
KORM AN vAURORA e a. tl
80 of 99
w.
St
op Fo
W HEREA S,t Selerand t Deposioracknowl he l he t edge and agr t t D epos t w ilconvev t M ort ee hat he i or l he eaze L oans t a o TrustFund cr ed pur uantt t Tr tA gr ent as zn eat s o he us eem , si
re
clo
W HEREAS,t Seler desrest s l wihoutrecourse.aI of he l i o el, t I i s ri s.tt e and i eres i and t t M ort t zht i l nt t n o he eaze Loans t o t D epos t as i al of isr ght and i er tunder each he i or, s gn l t i s nt es Tr f A greem entand eac Servi ng A gr entr atng t ans er h ci eem el i o t M ort he gage Loansr er ed t a ef r o bove,ot t any s ci her han ervi ng r ght r ai by t Selerher i s et ned he l eunder,and del t al ofis ega e l t
Page80 of205
su re
Fr au d. co
and delver oft sAgr i y hi eement t Selerdoesher tans er, , he l eby r f as i s over deposi w ih and ot w i e convey t t s gn, et , t t her s o he
ww
81 of 99
KORM AN v AURORA e a . tl
w.
lm iaton,t r ghtt a1 dit i i ofpr nci a i er t i t i he i o l s rbutons i pal nd nt es r ved on orw ih r pectt t M or gage Loanson and af er ecei t es o he t t t Cut of D at ot t n paym ent ofpr nci and i er t he - f e, her ha s i pal nt es due on orbef e s da e,and a1 s paym ent due af er or uch t 1 uch s t s dat butr ved prort s dat and i ended by t uch e ecei i o uch e nt he r at M ort el ed gagor t be appled afers dat al Pr so i t uch e, l epaym ent Char r ved on or w ih r pectt t M orgage Loans on ges ecei t es o he t or af ert Cutof D a e,t herw ih a1 oft Seler sr ght t he - f t oget t 1 he l ' i , tte and i er ti and t each r at accountand al am ount il nt es n o el ed 1 s f om tm e t tm e cr t t a t pr r i oi edied o nd he oceedsof s account uch , a REO Pr ny opert and t pr y he oceedst eof t Seler s r ght her , he l ' i s underany Ins urance Polci r atng t t M ort i es el i o he gage Loans, t Seler' s iy i er ti any colat alpl he l s ecur t nt es n l er edged t s e o ecur t M orgage Loans i udi t M orgaged Pr he t , ncl ng he t oper i ,and tes any pr oceeds oft f egoi he or ng. Concur enty w ih t executon and delver oft s r l t he i i y hi A gr ent t Selerher as gnst t D eposior a1 ofis eem , he l eby si o he t 1 t rght a i er tundereach T rans er A greem ent and each i s nd nt es f Ser ci A gr ent ot t any s ci r ght r ai vi ng eem , her han ervi ng i s et ned t eunder and del est t D epos t al ofis oblgatons her , egat o he ior l t i i t eunder,t t ext rel i t t M ort her o he ent atng o he gage Loans.The Selerand t D eposior f t agr t t s A gr ent l he t urher ee hat hi eem i ncop or es t t m s and condii ofany ass gnm enta at he er tons i nd as um pton agr entorot assgnm entdocumentr r s i eem her i equied
St
t bee eedi ounde a oft Trnse Agr e nt (ny o nt r nt r ny he a f r e me s a s hdocume a sgnme Agremenf' a t tt s uc nt n 4 i As nt e ) nd ha hi
Agr entconstt esa A s i entAgr eem iut n sgnm eementunders uch Trans erA gr ent and t D eposiorher as um est f eem , he t eby s he
Page 81 o 205 f
op Fo
re
clo
su re
Fr au d. co
ARTI CLE 1.
D epost her accept s assgnm entand del ton,a ior eby s uch i ega i nd s lbe entted t exer s al t rght oft Selerunder hal il o ci e l he i s he l each Tr f A gr ans er eementand each Servi ng Agr ci eement ot , her t any s ci rght t eunder,as i t D eposior had han ervi ng i s her f he t been a part t each s agr ent yo uch eem .
( ) I c c i wih s hta fra a sgnme oft a n onne ton t uc r nse nd s i nt he M orga Loa he e r t Sele s l, tla tt e ( ) t ge ns r unde ,he lr hal a e s hr e 3
ww
KORM AN v AURORA e a . tl
82 of 99
w.
St
delve e t t De ior( isde i )t do i r d,o he post or t sgnee he cument or s i tu nt wihr pe tt e c M o t Loa ( c nsr me s t es c o a h rgage n ea h a o t ge Fie' s ta f r e a as i d,a s cii d i t rga M 1 ' o r nse r d nd sgne s pe fe n )
t r at Tr f A gr he el ed ans er eement orSer ci Agr ent . s vi ng eem s
op Fo
re
clo
Page 82 of205
su re
haveagr upon whi oft M orgageLoansowned by t eed ch he t he Seler ar t be pur l eo chas by t D eposiorpur uantt t s ed he t s o hi Agr eementand t Selerwilpr eon orprort t Cl ng he l l epar i o he osi D at a fnals e i chedul des i ng s M ort e cr bi uch gage Loans
Fr au d. co
oblgatonsoft as i i i he s gnee undereach s A ss gnm ent uch i A gr ent Concur enty w ih t executon her eem . r l t he i eof,t he D epos t t ior enderst pur e pr ce s f h i t cer ai he chas i et ort n hat t n Ter s Leter dat as oft dat her ,t f m of w hi i m t ed he e eof he or ch s
Secton 1. Revi ofDocum ent i i 03. ew aton. The Deposior,by executon and delvery her ,acknowl t i i eof edges r ptoft M ort ecei he gage Fies per ai ng t t M ort l t ni o he gage Loans
361.
i ii wihi t M ORTGAGE LOAN SALE AND ASSI dentfed t n he GNW NT AGREEW NT,
ww
r ded wih t Securtesa Exchange Com m i i i appr m at y Seven- undr ecor t he ii nd sson s oxi el ll ed-
Ten- ilon- ghtHundr Ei y- eeM li Ei ed- ght Te Thous oneandHundredsevent Four03/ y100
KORM AN vAURORA e c . fl Page 83 of205
83 of 99
w.
St
op Fo
Subs iut M orgage Loan t ef i each cas t t s e tt e t her or, n e o he am ext and i t s e m annerast Depost i oblgat t ent n he am he ior s i ed o t Tm see and t Tr tFund underSecton 2. oft Tr t he t he us i 021 he us A gr ent eem .
re
fom t De ior( ,a t die tonofa on be l oft r he post or t he r ci nd haf he De ior fom t TrltFund) ort s tt eaQuaiyi post ,r he ts , o ubsiut lf ng
clo
D eposior Each Cusodi i r red t r ew,wihi 45 days t . t an s equi o evi t n f l ng t Cl i D a e,each applca e M orgageFie.I i olowi he osng t i bl t l fn t cours ofs r ew t r at Cust a i ii any he e uch evi he el ed odin dentfes M at i D ef t t Seler s lbe oblgat t cur s er al ec , he l hal i ed o e uch M at i D ef ort r chas t r at M ort er al ect o epur e he el ed gage Loan
su re
by W elsFa go Bank N atonalA ss aton,Lasale B ank l r i oci i l NatonalAss aton,Deut che Bank NatonalTrus Com pany i oci i s i t
Fr au d. co
on or afert Cutof D at and pr ort t Cl ng D at t t he - f e i o he osi e, he Seler i leu ofdelver ng t r at M or gage Fies her ih l ,n i i i he el ed t l , ew t delve t t D e t a Of i ' Certfcat whi s l i rs o he posior n fcers ii e ch hal i ude a sat ncl t ementt t efectt a1 am ount r ved i o he f hat 1 s ecei n connecton wih s pr i t uch epaymentt ar r r t be hat e equied o deposied i t Colecton Accountm ai ai by t M aser t n he l i nt ned he t Ser cerf s pur ehavebeen s depost vi or uch pos o ied.
CORPORATI f DTC hel Certt at i t am ountofNi Hundr Fit ON or d ik es n he need- feenM ilonli FourHundr seve y- veednt Fi Thous sevenandHundr sevent Ei edy- ght
( $915, 778. ,hea oxi ntval oft NOTESf 475, 00) t ppr ma ue he oundunde t TRUST r he
A GREEM ENT afers d NOTESi acquied by Trusee; t ai s r t
362.
Dif entalf fer i ound bet ween t val pl he ues aced on t N OTESi exchange f he n or
t Tr t certf cat i ,an i eas ofTw o- undr Four M ilon- ve- un& edhe us - i i es s ncr e H ed- li Fi H
B A N K FSB ,O r gi t i nota par y t t sdocum enttted i na or s t o hi il PROSPECTU S SUPPLEM ENT,asLEHM A N BROTHERS BA N K FSB s d al ofis r ghttte and i er tt SelerJul 1S ol l t i il nt es o l y t
2006, ye tr y . ( se da ll
364.
Securtesand Excha Comm isi f ihesafim atvei enton oft pary' t ii nge s on um s fr i nt i he t s o
ww
as gn Pl ntf sdebtt s d Trts ,howeveri notpr ofact as gnm entortanser si ai if o ai lt s oof ual si r f
t eof as, her ;
KORMAN vAURORA e l ta. Page 8 o 205 4 f
84 of 99
w.
St
op Fo
As i e Agr e ntca4 t f a,asi d b t De iort sgnm nt e me n ur sgne y he post o t Tr t he useefort bene o de so heCe t c espur uant he yt fhol r ft ri at y s t t Tr t ee e '( o he us Agr m nt' NOTE;LEHM AN BROTHERS
re
clo
Com m i i , June2n 2006, ecton 5- , t esi rel sson d s i 83 sat n evantpart ' ,
su re
Fr au d. co
STRU CTURED ASSET SECURI ES CORPORATI ;f om Depost STRUCTURED TI ON r ior ASSET SECURI ES CORPORATI ,t Trusee,LA SALLE BANK NATI AL TI ON o t ON
A SSOCI TI i tus f t beneftofCerii e- ol A ON n r t or he i tfcat H der;
366.
E1 6
ww
t s mej idito i pe mitd bylw;p o i d, we r t tn neo t Cuso i nsno he a urs c in,f r te a r vde ho ve , ha o f he t d a r
t Tr t e s lbere ponsbl f det r i ng whe he a s a sgnm e i i r or he us e hal s i e or e m ni t r ny uch s i nt s n ec dabl e
f m.Im phassaddedl or e i
KOU AN v AURORA e a . /l
85 of 99
w.
M or gaged Pr rt i l at t re c t s eoft M or taeet t Tr t ,whi h t ope y s oc ed o ne t he al he t o he usee c as i ent notceoft f r ore val i t um e m ay bei t f sgnm , i rans e qui ent nsr nt n he orm ofone orm or e bl anke as i e scove l t M or gageLoanss c ed by M or gage Pr t sgnm nt r ng he t e ur t d operi sI e i te ocat d n
St
A RTI LE I C DEFI TI NI ONS,TRUST AGREEG NT As i entofM or aaze:An as i entoft M or gage notc oft f r ore val nt sznm t sgnm he t , i e rans e qui e
op Fo
re
clo
noti and ofis fan as gnm ent norconveyance,and t agr enti cerai y noti n t el si , he eem s t nl n
Page 85 of20S
su re
Fr au d. co
365.
t Book- r dat bas oft REM I tted LEHM AN X S TRUST M ORTGAGE he Enty a- e he C il
PASS- IROUGH CERTI CATES,SERI 2006-11,whi di cl eseihert TI H ES ch s os t he
Tm s ee di notr ve Pl ntf s C l i D ocum ent ab i to,or f l t updat t t d ecei ai if os ngs nii , aied o e he
el r c Book- r Regitaton s t i catng r ptoft docum ent whi ectoni Enty sr i ysem ndi i ecei he s ch
evi dences t de ; he bt
368.
Pl ntf hol i hand a Scr nai i f ds n ee shotoft B ook- r dat bas oft he Ent y a- e he
Ne Yor Esae Powe sa Tr t La (< w k tts r nd uss w E EPTL' 7- 1 a i c lc wiht ' 1.8, nd n onfit t he )
Contoli Docum ent fl wih t Securtesand Exchange Com m i i s K em p r lngs ied t he ii sson; ee
369.
ww
A s i ent i pr ded f by Ari e 9 oft U . C.buti s s sgnm s s ovi or tcl he C. , s uper eded by t he
TR U ST A G REEM EN T,i part as f l s; n , olow
KORM AN vAURORA e cI / . Page 86 of205
86 of 99
w.
St
op Fo
re
clo
su re
Fr au d. co
367.
i t nt wih r pe tt ea M orga Loa ( a h a ' orgage nsmme s t es c o ch t ge n e c t t M Fie' s ta f re a a sgne l ' o r nse r d nd s i d: )
() i
Not endor ed wihoutr e s t ecour e i pr s n operf m t t or oft or o he der he
Tr see a s u t , s hown onExhi tB- he eo,ori blnk(nea h c s bi 4 r t n a i c a e, wih alne esa y i e v ni e s nt , a i bl)orwih t l c s r ntr e ng ndoreme s as pplca e t
370.
371.
i i t af em entoned i er gnorng he or i nt medi eA s gnees,causng abr i t Chai ofat si i eak n he nTil te;
ww
373.
KORM AN vAURORA e a . tl
87 of 99
w.
St
op Fo
re
clo
Page 87 of205
su re
r pectt any l tM orga Not al tnot afi tsatng t t es o os t ge e, os e fdavi t i hat he or gi M ort i nal gage N ot w asl t m i pl e os , s aced ordesr toyed,t her oget w ih a copy oft r at M or gage N ot t he el ed t e:
Fr au d. co
D epos t does her delvert and deposi w ih,orcaus t be ior eby i o, t t eo delver t and depost w ih,t Trusee,and/ t applca e i ed o ied t he t or he i bl Cusodi actng on t Tr t sbehal t f l i docum ent or t an i he usee' f, he olow ng s
( b)
s eoneot t AURORA ab i to,asseen by t Speci Endor em ent f om her han nii he al s s ound on t copy oft aleged NOTE A URORA pr ent asisExhi ti Cas NO .09- he he l es ed t bi n e CA
01 7057; 376.
377.
379.
CERTI CA TES,SERI 2006-11i t r ser H ol oft debt wher H ES s he egit ed der he ; eby,
381.
ww
SERI 2006-11 i wihoutan agency agr entwih M ERS*buti t r ser ES s t eem t s he egit ed Hol oft debt pur uantt t TRUST AGREEM EN T,i par asf l der he , s o he n t olows;
KORM AN vAURORA e a . tl
88 of 99
w.
St
380.
op Fo
2006-11;as,
re
clo
378.
Page ## of205
su re
Fr au d. co
375.
LEHM AN BRO THERS BANK FSB negotat Pl ntf sN OTE wih i ed ai if' t
374.
( v)
r cor ng. r ae M orga s l bea sgne et r( i blnk, e di The elt d t ge hal s i d ihe A) n a wihoutr c ls or( t . saleBank Natonal s i t e otre B) o . u l i As ocadon,as
orgi q i nal
382
.
383.
384
.
ww
St p /Sealisued by aleged co- piat M ERSO t s t deal atl ti f m ; am s l cons r or o eal he , eas n or
KORM AN vAURORA e a. tl
89 of 99
w.
St
op Fo
re
clo
Page89 o 205 f
su re
Tr teo heLe use ft hman XS Tr tM orgagePas - ough us t s Thr Ce t c e ,Se is2006- ,' t r c s ;(mpha i i r@ ats re 11 'wihout e our e e ss n
Fr au d. co
t (i i) W ihr s c t e hM ERS M orga Loa t M as er t e pe t o ac t ge n,he Servi r,a t expens oft Depost and wih t cooper i of ce t he e he ior t he aton t applcabl Servi s lcaus t Servi t t s aci as he i e cer, hal e he cer o ake uch tons ar neces ar t caus t Trusee t be cl l i ii ast owner e s yo e he t o eary dentfed he ofeach s M orgage Loa on t r dsofM ERS f pup os of uch t n he ecor or es t s t ofr di tans ersofbenefcilowner hi of he ysem ecor ng r f ia s p m ort gagesm ai ai by M ERS. nt ned
M ERs* asGr or/Assgnorcol abl assgned Pl ntf ' M ort ant i or y i ai ifs gage and NOTE t o
doesnotown orhol abs act pos es on and Powerof Atom ey,orsm iar d, ent ual s si - - t i l
388.
389.
On
or s
Apc. fhFl ,New Yor NY 1001 'Se % bi l'pg2 o 5,6hpar he e o oor k, 9.' e ' Exhi t ', f t , rt ,
at tached and i porat her n by r er ncor ed ei ef ence;wher n, ei
ww
KORMAN vAURORA e a . fl
90 of 99
w.
St
op Fo
Secton 701. AURORA etal,know st st be tue,ors d know s e. i 02; . hi o r houl am horl aferM ar 24t 201 Pl ntf r ved al t fom Kalrl ty t ch h 0 ai if ecei eter r l
re
m ort gage be r ded pri t f ecl ur see Til XL,Realand Per ecor or o or os e; te sonalPr t opery
clo
aut i i i w r tng f om t Lender is s hor zaton n ii r he , t ucces or,oras i s s gnee t eof. her
Page90 of205
su re
f tofa s uccess i ii asa M ERSOM ember as, or dentfed ; s t or w an ys em < RS* l ackst l he egalcapaciy t as i benefci i er ti at ng i t o sgn i al nt es n hi t 387.
Fr au d. co
385.
'W /O i AUROM LOAN SERVI / Z s CES LLC s r i ng t abov - e r nc dac ount e vci he e rfe e e c
for ' e po e;*..hec r ntowne o hes je tl ..nam eo hec r nt ?'r s ns *.t ur e r ft ub c oan . ft ur e
392.
LEHM AN BROTIERS HOLDI I NGS I ( rBa pty pr e ton) NC, unde nknl c otci
393.
ht on M ERS* web- ie,d t /w w w M ERs- e> i i or s s',M ember st t ps:/ s cerd. g/ i/'
.
I ntfc ton Numbe (d l ' 1 de iiai r t N') 00025 400033 M 49538- ast snumbe a r on 8, hi r ppea s
l nVCS or/O w nerofPl ntf ' aleged debt on Jul 26t 2011;s tExhi tK ' her o t ai i f s l , y h ee t bi ' et
ww
394.
LOAN SERVI CES LLC ast Servi oft saleged debt he cer hi l .
KORM AN v AURORA e a . tl
91 of 99
w.
St
op Fo
re
clo
by r er ef ence.
Page 91 of205
su re
Fr au d. co
onpagef ( ,t bi l' our 4) t Exhi t 'AURORA i %. t c r nts rpr r mase s rvc r s . he ur e ' fe , tr e ie e
390.
Pl ntf saleged debt ori r ser ass ai if l , s egit ed uch;AURORA LOAN SERVI CES LLC
( r c r now M orga e, nd he eni a alge t tea or, Se vie , t ge a r i s n le d orf s ) LEHM AN XS TRUST
M ORTGAGE PASSTHROUGH CERTI CATES SERI 2006- ( ein ( w H ES 11 For g Ne
Yor Uni or ae Asociton, A Conta t Or niai wihoutStndi i k) nc por td- s ai or r cual ga z ton t a ng n
t Stt ofFl i ) LEHM AN BROTHERS HOLDI he ae orda , NGS l ( rBa pty NC unde nkm c pr e ton, asofSe t otci r 5t 008) a AURORA BANK FSB fk/ LEHM AN /a p embe 1 h2 , nd
BROTHERS BANK FSB,r nca at f om Banknz cy. ei ed r pt
396.
l i t dut ofPl ntf t verf paym entr t s he y ai if o iy eachest tte Owneri ol he rl -l der
397.
i f t fndi al i er t pari underBa nefecual i ng 1 nt esed tes nknl cy pr ecton and s d m ont y pt ot i ai hl
M or gaget paym entcan onl be s i f ed i s paym enti m ade t t t ue H ol a y ats i f uch s o he r der nd
Owneroft N OTE,orAgentt eof M arlnz v.Noni ens 127 W i 363,106 N. he her ; i m en, s.
ww
92 of 99
KORM AN vAURORA e a . tl
w.
St
op Fo
re
clo
su re
Fr au d. co
395.
l ntfe now i f ( Entte cami owne -hi i e e ta rghtt de iid s our 4) iis li ng rs p ntr s nd i o
398.
Pur uantt Fl i l ,any l l r s o orda aw egaly ecogni per on can bea hol i zed s der n
duec s j673. Fl Stt;A d de 'i de i d a * thepe s i pos e son oure, 3021 a. a . t r' s fne s *l hol t r on n s s i
ww
93 of 99
KORM AN vAURORA e a . tl
w.
St
oft Prvie a l he i lges nd mmunii Clus si Aril l j2,a i t tes a e n tce V, nd n he Fou t nt Ame men . Alo tr d fcii pe s j rsi ree h nd t - s e me ittous ron; u itc
pe s n; urdi lpe s lgalpe s mor lpe s Cf LEGAL r o j i ca ron; e ron; a ron. . ENTI ( e ;Cor ains11 2) C.. Co or tonsj2. TY. Cas s por to .4 . JS. m ai J
Bl ' 8t Edii pg 3619. ack s h ton
op Fo
re
clo
Page93 of205
su re
Fr au d. co
405.
PASSTHROUGH CERTI CATES,SERI 2006-11i r ser Hol ofPl ntf s FI ES s egit ed der ai if
406.
408.
409.
410
pr opert asNom i f a undicl y nee or n s osed t r part Prnci ,pl ng a cl on hid y i pal aci oud
ww
KORM AN v AURORA e al t .
94 of 99
w.
St
bot pr dea ee toni r gity( pa r whih i ntfe t Cr t ( i tl ; h ovi n lcr c e sr no pe ) c de iis he edior prvaey)
e h pt em e ii ch d M ERS*and CEDE & Co ar bot Banknl cy r ot entteswhi hol
op Fo
re
407.
clo
debt as colat i er tofM ort , l eral nt es gage- acked Securtes;w her B ii eas,
Pag 9 of205 e 4
su re
Fr au d. co
403.
O nl an entt exi tng asr orl l creat per ons undert l i y iy s i eal egaly ed s he aw s
* ectoni spr sheet s , ubcat i by Cl ses, egorzed as anal ogoust aM i os t Exce1 El r c- eado cr of*
or Tr anches(1 *, . 412.
CERTI CATES, H SERI 2006- c ai t nt f ur( s h Cl s , ES 11, ont ns we y-o 24) uc ases or
Tr anches' ,
413.
414.
Pli iff undt de i que ton cone ffe n ( 5)tmesa f lf ce antf o he bt n si l d ite 1 i t ul a
415.
416
.
by M ai Lane 1 LLC.See ASSET PURCHASE AGREEI ENT dat December 12, den 1 M ed
ww
htp:/ . Mnve tc s oc t /wu e s.oY t kAme i an-l e na i -Gr r c nt r tonal oup-t Gl ii oAl & lnFl Q/ 0 x- 3+ 99 201 + 10. 73547 ;
KORM AN vAURORA e al f . Page95 of205
95 of 99
w.
St
Cl /Tr ass anche tted Pd 1A1 CU SI Num ber52522W AA7) il P Cl /Tr ass anche tted 1A2 CUSI Num ber52522W A 85,i wholy owned il P s l
op Fo
re
E1 dentf ng val each cl ue, oned Synt i No'E bearsa dif entCusl Number* i i yi a hetc- l fer p-
clo
su re
Fr au d. co
i a Com put 11 ' s erBook- r syst C1 tted (LEH M AN X S TRUST 2006- ,' Enty- em *, il <
411
417.
Cl s/Tr as anche tted 1A3 CUSI Num ber52522W A C3, i w holy ow ned il P s l
by M ai Lane 1 LLC,See ASSET PURCHASE AGREEW NT dat Decem ber 1 , den 1 ed 2 2008supr and AW RI a, CAN I NTERNATI ONAL GROUP l NC 99. - M ar 1 2011;f 1 ch 0, ound att f l ng lnk, he olowi i
-
htp:/ t /w> .aqsor e nlngs11 / f . #s c- i / 0310Am m CAN-NTE> ATl I ONALG RO W INC 8- y90210exv99w 1. m ; U ht
-
tanchesbei pur r ng chased by AW RI CAN I NTERNATI ONAL GROUP I i Two NC s Hunder one- ilon- i y- ghtThous d- vedM li N net Ei r Fi Hundr Fit Ni 00/ , ed- fy- ne 100
su re
418.
Fr au d. co
-
FORM 8- - EXK
Ei ghtHundr Ei y- eeed- ght Tk Thous du one- undr sevent Four03/ H edy 100
( 0, 3,74. ,snow vaue (onsde i t r aet nt f ( 4)Tr nc )a $71 88 1 03) i l d c i rng he e r we y-our 2 a hes t ve Two- li ( 000, 000. asaBal Pak fgur r Bilon $2, 000, 00) l r i e;
420.
421.
423.
424.
ww
425.
KORM AN vAURORA e a . tl
96 of 99
w.
422.
St
Cl /Tr ass anchetted Pd M 2 CU SI Num ber52522W AK5; il P Cl /Tr ass anche tted Pd M 3 CUSI Number52522W M .3; il P
Cl s/Tr as anchetted Pd M 4 CUSI Num ber52522W AM 1; il P Cl /Tr ass anchetted Pd M 5 CUSI Num ber52522W AN9; il P
Page 96 of205
op Fo
re
clo
m
-
428.
429.
Cl s/Tr as anche tted Pd M 8 CU SI N um ber52522W AR0; il P Cl s/Tr as anche tted Pd 549 CUSI Number52522W A 58; il P
430.
431. 432. 433.
Cl /Tr ass anche tted Pd M 10 CUSI Num ber52522W A 16; il P Cl /Tr ass anchetted Pd P CUSI Num berBCCOS65M 3; il P
The Code < d' m eans pai D own.' T ' i d '
SevenHundr Ten- ilon- ghtHundr Ei y- ee- ous dedM li Ei ed- ght Thr n r one-
Hundr d- nt Four03 1 ( 1 883,74. , rat ry y rpe i wilmos e seve y/ 00 $7 0, 1 03) ove hit ea rod l t
SERI 2006- c e t de ES 11 r a e nough Tr s- riiae t / aBONDS ak aSe urtes of u tce tfc ts ak/ / / c ii )
Pl ntf sNO TE i pari art a ai if n tcul o ppearffeen tmesatt sat m onet y f val of it i he t ed ar ace ue
BR O TI ER S BA N K FSB i t us ; I n r t
435.
ww
97 of 99
KORM AN vAURORA e al t .
w.
St
t genui N OTE whi Gr orcr ed atCl ng and s overt LEHM AN he ne ch ant eat osi et o
op Fo
re
clo
lkeynotge r t Two- li ( 000, 000. pl i e e ti c s fow, got i l ne ae Bilon $2, 000, 00) us ntr s n a h-l er he
Page 91 of205
su re
Fr au d. co
427.
426.
whi cont n t i i Synt i No' cl ch ai he dentcal hetc- rE oned f om t genui NOTE Pl ntf r he ne ai if
sg d, tf lfceval ( a eoft s t r lc nsng a r eme Pli ifc nnot ine a ul a ue, bec us he ofwae ie i g e nt antf a
vol eert unt hesescr s sasevi een- hot dence att stme,unl or ed t do so by t s hi i ess der o hi
Pl ntf ' cl ai ifs oned Synt i Nor ass at wih CUSI Number 52522W A85 and hetc- fEs oci ed t P s 52522W AC3,pur ed f om t Feder Reser Ba ofN ew Yor t r pa y chas r he al ve nk k, hid rt
438.
Q'Explnai ofse urtz ton, r t at c d a i op ort he enbyr f r nc ' a ton- - c iiai he eo ta he nd nc aed r i e e e e.
439.
ww
98 of 99
KORMAN vAURORA e a. tl
w.
tu ser obt nsno rght undert sArtcl and hasonl t rght ofapari r f ee ai i s hi ie y he i s tal
St
op Fo
re
clo
Pur chas M oney- or gageEl payi dow n M ai Lane 1 LLC ' out t ng debt eM t ', ng den 1 S s andi .
Page 98 of205
su re
Fr au d. co
436.
Synt i Nor cl hetc- rE oned fom t genui NOTE,cr ed by Pl ntf asBorower/ r he ne eat ai if r Gr nt each NO TE atf lf val pai f atonea or, ul ace ue, d or hundr cent on t dolar, ed s he l
tm es t o,by t l ur 'or, i w he ns er,
441.
ab i to upon isdi t met or nii t gial am phossi o M orgagei nt t Backed Securt hypot t iy, hecaed
f Trus - tf cat i m uli esoft under yi appr s val oft cola er i or t ceri i es n tpl he l ng ai ed ue he l t alzed
i er t and, nt es , 442.
wih t Securii a Exchange Com m i i notf ng t word isces ton of t he tes nd sson, iyi he l t sai
doi any addii ng tonalbus nes , i s'
whi i s d t i t s,i m uli esoft NOTE' orgi f val cas i and ch t ol o nvesor n tpl he S i nal ace ue, hed n
ww
99 of 99
KORMAN vAURORA e al t .
w.
St
443.
op Fo
re
clo
Page99 o 205 f
su re
Fr au d. co
Number 52522W A85 and 52522W AC3,i whi each CUSI Numbercont nsa s n ch P ai
440.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 1 of 101
f lng For 15- Januar 26t 2007, i consi ed by t Secur tes and Exchange ii m D y h s der he ii
For gn- r egi t ed- nves m ent com pany l ei u s er l t ackst capaciy t s i t he t o ue n he
o hid t i NOTE aferJanuar 26t 2007 t a t r pary lke AU RORA , pur uantt t t y h s o he
Cont oli D ocum ent a N ew Y or Tr tLaw ;w her r lngs, nd k us eby,
fom ffe n ( 5)Sy hei- f cone diecl fom t ge neNOTE Pl ntf r ite 1 nt tc NorEs l d r ty r he nui ai if
448.
s oversame i t f m ofa Dr t orBanket n he or af, check dr awn f om Pl ntf sTr actonr ai if ans i
449.
ww
450.
KORM AN v AURORA e al / .
w.
St
A ccount ;
op Fo
re
clo
447.
su re
Fr au d. co
444.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 2 of 101
Benet i y;as, k ar
453.
454.
BANK FSB hasbeen s ifed byw ay ofLEHM AN BROTHERS H OLDI S I C,ab ats i NG N
l to, aS, nl l .
@ @ *
455.
s ifed upon r ptofDTC Trts - tfcat t be s d t Tm s- tfcat ll de ats i ecei ltcerii es,o ol o tcerii e- ol r; 458.
f ur t xoblgai known a TROUBLED ASSET RELI PROGM M , ut e a i ton, s EF (< TARP') ';
ww
KORM AN vAURORA e a. /l
w.
St
DTC Tr tcertfcat Hol ' debtwassats i byw ay ofPl ntf s us - ii e der s ifed ai if
op Fo
re
clo
negotat Pl ntf sNOTE,s overs e t LEHM AN BRO THERS H OLDI GS I i ed ai if' et am o N NC,
su re
Fr au d. co
451.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 3 of 101
s cam ont t Am ercan peopl Pl ntf bei one oft e Am ercan peopl o he i e, ai if ng hes i e.
460.
461.
fr tm ont y M orgage- a paym entand each s equentm ont y M ort is hl t toan ubs hl gageLoan
463.
A U R O RA and isC EO TO M W l t r
op Fo
re
clo
h wo tcl i dut comm enced Novem ber 15t 2006,t weekspos - osng, dibur Pl ntf ' y s sed ai ifs
debt ;
ww
KORM AN v AURORA e al t .
w.
St
l l nori equiy t Pl ntf ' debtt day AURORA com m enced Ser ci s d egaly n t o ai ifs he vi ng ai
Page 1 o 205 02 f
su re
Fr au d. co
459.
Congr vot f t S l s'whi ar act l buyess ed or he t out ,' ch e ualy bai backs,t us publc o e i
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 4 of 101
464.
Pl ntf w oul contnue t m ake paym ent t A U RO R A ;how ever ai if d i o so , Pl ntf has m ade num er r ai if ous eques s ofA U R OR A t pr isC l m ; t o ove t ai
469.
aleged Pary- n- nt es Pl ntf di notknow exi ed untlt m om enti tm e, l t i l er t ai i f d st i hat n i M K Ch 24t 201 h 0;
470.
ww
l t s,no m enton ofr ese i LEHM AN BRO THERS H OLDI l ; eter i epr ntng NG nc.
KORMAN vAURORA e a . /l
w.
St
op Fo
re
clo
Page 1 of205 03
su re
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 5 of 101
472.
473.
Ser ceroft debt see iExhi tN 'her o atached and i por ed her n by r er vi he ; bi ' et t ncor at ei ef ence, delver by U . Post Servi underCe ii M ai N o. 7107 8381 6540 8248 8745; i ed S. al ce rtfed l ,
A U R OR A of er ng Pl ntf t H A M P pr am as t Ser ceroft debt f i ai if he ogr he vi he
474.
475.
Decem ber 12t 2008 AURORA t tfed i i t Ownerand Hol oft h esii t s he der he
/V I N A C ; TU
and cont olasof 12t ofD ecem ber2008 and pr des a copy oft unr ded r h ovi he ecor
ww
Asi nta prmaf ci e de e,s eatc ntt t biA'' sgnme s i as a vi nc e ta hme o d Exhi t '
KORM AN vAURORA e a. tl
w.
476.
St
op Fo
re
clo
su re
Fr au d. co
471.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 6 of 101
Compl ntCOUNT llpla ,npa t T.. don t e for ea l t desr ye orsoln ai l e ds i r, <.ac o n c os, to d t e
#rom i sor not and M ort s y e gage..'' .' , 480.
be i ali er ti bot t N O TE and M or gage f om M ER S@, a s at nef ci nt es n h he t r epar e cop or i a t r part N om i w ihoutrght tte ori er t l l nori equiy; aton, hi d y nee t i , il nt es , egaly n t
ww
KORM AN vAURORA e a. /l
w.
St
op Fo
re
clo
Page105 of205
su re
Fr au d. co
477.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 7 of 101
484.
485.
capaciy t M odiy Pl ntf sM or gaget o f ai if t Loan as t Servi f her or he cer; urt m e, 486.
s fcaly aut i ofaServi ,ort r esgovem i aThid- t D e pecii l horzed cer he ul ng r pary- bt
Colect i an ulr vi us act m ade i bad f t l or s ta r , n aih;
487.
ww
488.
KORM AN v AURORA e c . fl
w.
St
Loan- odii ton i anal M f ca i s ogous t N ova i addii t or m odi i i o ton, tons o, fcaton
op Fo
re
clo
su re
obt i d wilbeus dfort pur e' Pg4 of5, dpa . a ne l e hat pos .' 2n r
Fr au d. co
G Jyour m ort A gage l s cer. .'s tExhi tN ' A U R OR A LO A N SER V I oan ervi . ' ee t bi ' CES
482.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 8 of 101
490.
. l r show i wor tW ewil s dee mi * e e' l t ks lfr t tr ne fyou cr ei bl--' e lgi e -'The
fnanci condii i or t deci i al ton n der o pheri i i cos afectve t s f adefci f t s t f i o ue or i ency
492.
m ake a det m i ton ofqualf caton f a dl m odik aton';r her, er na i ii i or toan t i ' at
493.
Def enda AURORA woul lket know wher Pl ntf sba accounti nt d i o e ai if nk s
sub,s AURORA can event l ga s Pl ntf spayt o ualy rnih ai if' check.
495.
ww
contactng,unde t pr extofM ort r i r he et gageLoan M odik aton asAURORA hol neiher t i ds t l egalnorequiabl i er ti eiherPl ntf NOTE orM orgaget m odiy; t e nt es n t ai irs t o f
KORM AN v AURORA e al t . Page 1 of205 07
w.
St
op Fo
re
clo
su re
Fr au d. co
489.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 9 of 101
TR U ST A G REEM EN T t ei w e f nd t f l i pass her n i he olow ng age; The M as er Serv cer s lre t i hal pres andpr ectt ent ot he
reason ,
499.
CERTI C A TES,SERI 2006-11 t qualf f isR EM I st us cannotow n neiher FI ES o iy or t C at t l egalnorequia e i er ti t M ort t bl nt es n he gageLoans i hol ;see I. . 860;as, t ds R C.
500.
ww
KORM AN vAURORA e a. tl
w.
St
op Fo
any m odii i oram endm entt a M ort fcaton o ny gageLoan hel by t s REM I ;f good d hi C or
re
498.
clo
mo c d@ adon,wai e oram e e o vr ndm nt fanyt r o e m fany M orgagefoca t wout c ean Adv r eREM I t a hat d aus es C Ev nt ( g 1 TRUST AGREEM ENTI e . pa e 40
su re
Fr au d. co
496.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 10 of 101
CEO TOM W l r
LEHM AN X S TRUST M ORTGA GE PASSTHROU GH CERTI CATES, SERI H ES 2006- ca notbem odii by AURORA , orany per 11 n fed son;alem atvel t i y, 503.
f t aih. 505.
consiut unf rand deceptve tadepr i usi isSuperor Knowl tt es ai i r actces, ng t i edge t t o ake
w.
advant ofPl ntf si ance oft l by cons ctvel atem ptng t age ai if gnor he aw % i y t i o
.
ww
KORM AN vAURORA e a. tl
St
op Fo
i ofei t modiy S ai ifs( xitng)M orga - n'i a ofe ma i ba s flng o f t ntf e si pl t geLoa 's n f r de n d
re
504.
clo
aferpayout f om cr tdef ts t sr edi aul waps, or/and aferacceptng TARP f t i unds,wher eby
Page 1 o 205 09 f
su re
Fr au d. co
501.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 11 of 101
W H EREFO RE , based on t f egoi Pl ntf s he or ng, ai if eeksr i asf l s elef olow ; 506.
i e i lydesr ntntonal toyed, ecude t pr e ton or naiypr dedby j673.091 1 ( , pr l s he otc i di rl ovi 3 ( )b)
Fl St . a. at
509.
a De e ntLEHM AN BROTHERS BANK FSB orM ERSOHol nobe fca ) f nda d ne iil
ww
KORM AN v AURORA e aI t .
w.
f l des i i dExhi tA ' atac t et i i f i ,because, uly crbed n t bi ' t hed her o, s nef ectve-
St
op Fo
re
clo
Page 11 o 205 0 f
su re
c t r if ) he e s ound auniy ofpe s lpolce e nai fom ac t ronne iis ma tng r ommon s m ce o ;
Fr au d. co
PRAYER FO R RELIEF
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 12 of 101
Se e. , e g.Sobe v.M ut Deveopm e .I .31 So. 77 ( a.1s DCA 1 . l ual l nt nc. 3 2d FI t 975)
c Dee ntLEHM AN BROTX RS BANK FSB fldf Ba pt pr e ton ) fnda ie or nknl cy otci
s ty afer t debtw asf r tnegotat i a Fr hor l t he is i ed, s audul Conveyance,orFr ent audul ent Tr f ,asLEH M A N BR O THER S BA N K FSB w as i ol ,s d negotaton i ans er ns vent ai ii s voi ab i to;and, d nii
t debt he ;
LEH M A N BR O THER S B A N K FSB ' benefci i er ti Pl ntf s N O TE,asm or S i al nt es n ai if' e f l descrbed i t uly i n d bi H ,'i i f i becaus Exhi t ' s nef ectve, e,
ww
KORM AN v AURORA e al / .
w.
St
510.
op Fo
re
clo
su re
Fr au d. co
unde l ng Pr is y- f i anuliy.37 Fl Jur 2nd, or gage ,Sec i 511. ryi om s or NorE s lt a. . M t s ton
b)Theasi sgnme byM ERS*ofPli ifsM orga wihoutne iton f rt nt antf t ge t gota i o he
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 13 of 101
c)De e ntLEHM AN BROTHERS BANK FSB i unde Ba ptypr eci f nda s r nknl c ot ton
dur ng t tm e t debtw asnegot a ed,i a Fr i he i he it s audul C onveyance,orFr ent audul ent
t De e ntM ERS*e al, le dl ar a ta f r d Pli ifsNorE- orga o or ) f nda t .alge y le dy r nsere antf f M t ge n
511.
t ca t t s t n a A c i agai tPl ntf i r er he paciy o usai n ton ns ai if n ef encet a cons erdebtpr ort o um i o
ww
E1Br nnan( ai i c lci age yator y)vi atd 15U. C.j1692g( whe heobt ne 7 e pl ntF ole ton nc t ne ol e S. b) n ai d
adea t udg nta i tS a s( fn nt atrSpe r ha noiidBrnna i wrtngt t fulj me jans pe r dee da ) fe a s d tfe e n n ii ha
t de wasbei dzput d and be or Br nnan had m aied ve iiato oft de t Spe s he bt ng s e f e e l rfc i n he bt o ar .
KORM AN v AURORA e a . tl
w.
St
op Fo
re
clo
bef e June 11t 2009, coul nott agai tans ert s e debton Sept ber 24t 2009. or h d hen n r f he am em h
su re
Fr au d. co
Pr i or N o ' i a nuliy'or om ss y- rE s lt , ,
b)As i sgnme by M ERS*ofPl ntf' M orga wihoutnegotain f t unde l ng nt ai ifs t ge t ito or he ryi
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 14 of 101
512.
acqui ed a once Sectr l er ti Pl ntf sR eal pr r led-nt es n ai if - opert by Fr y audul Conver i ent s on;
51 4. LEH M A N BR O TH ER S BA N K FSB deposied Pl ntf sPr i or t ai if' om ss y-
ofa c - c ount( he kbookmoneyc e tdt Pli ifsa c , ontole byLEHM AN c c r die o antf c ount c r ld
ww
KORM AN v AURORA e a . /l
w.
St
op Fo
re
clo
Page 11 of205 3
su re
t pay,w ihouti tng any of isow n m oney,orany ofis depost ' m oney,r her o t nves i t t ior s at
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 15 of 101
520.
BA N K FSB deposied Pl ntf sN O TE i o s d Tr t ai if nt ai ansacton- ccount depos t hel i A , is d by LEH M A N BR O TH ERS B A N K FSB i eas by a s equalt t f val of ncr ed um o he ace ue
521.
522.
ww
n t owe s t lmi e Debt The de - one E1c e ed whe i wasborr d i no ei nat d upon paym ent . bt m y r at . Pl ntf c notpay a de wih anot r de ,you c onl add t s d de .Dic gi t ai if an bt t he bt an y o ai bt s har ng he PublcLaw 73- 0. l 1
debti t onl way t ke p t s t i a sat ofe lbrum ;s HJR 1 June5t 1 ,or s he y o e he ysem n t e quii i ee 92 b 933
KORM AN vAURORA e a. /l
w.
St
op Fo
re
clo
Pl ntf sN O TE; ai if
Page114 of205
su re
Fr au d. co
518.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 16 of 101
524.
hasacquied a colat alzed pr i t pay f om Pl ntf , a new ass now appearng r l er i om se o r ai if et i on t Books- Recor ofLEHM AN BROTHERS BANK FSB , is Success ,or he andds t or
A ss gnee t eof how ever, i her ; 526.
527.
f ound t bet debt on I For 1 o he or RS m 099- D , wih t labiiy owed t t Gr or Ol t hat i lt o he ant
i entonaly di nots Pl ntf acopy oft 1 nt i l d end ai if he 099 Ol t concealng t sour D hus i he ce
-
w.
St
528.
op Fo
re
s c oft mone t rk' Libiiy , e r tngt txa ei ees, ast prnci our e he y Bat s a lt ) s g egai he a bl ntr t he i pal
clo
labiiy now a i lt ppear ng on LEH M A N B RO THER S B A N K FSB ' Books a Recor i S ndds,
-
su re
ww
KORM AN vAURORA e a . tl
Page 11 of205 5
Fr au d. co
er;
523.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 17 of 101
t f o undses owed and r cr ecover bl howeveri notcl m ed, deem ed a a e, f ai bandoned afer t
530.
531.
532.
page 11,expl ns t when banks gr ntl ai hat a oans t cr e new m oney. The new m oney , hey eat
ww
KORM AN vAURORA e a . /l
w.
i cr t bec us ane al be omesa de i jus lkeapa hec does' s eaed a e w oan c post t i n yc k .'
St
op Fo
re
clo
Page 11 of205 6
su re
Fr au d. co
i entonaly di nots Pl ntf acopy oft 1 nt i l d end ai if he 099- D whih woul al Gr or Ol c d ert ant
529.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 18 of 101
H ow Banks Creat M oney e B anks act l cr e m oney w hen t l i.H er show i ualy eat hey end t e' t wor M os ofabank' l ks: t s oansar m adet isown cusomers e ot t and ar deposied i t rchecki a e t n hei ng ccount Becaus t l s. e he oan
53 4.
Unie St es neiherpa curr y norde is hav v ue as com m odi . t d at t per enc pos t e al des
I rnsc l,adolarbilijus api c o pe,de isme ey book e res' nti ialy l l s t e e fpa r post r l nti .'
botom ofpa 6,a t ofpa 7sats uWhatt y t t ge nd op ge t e , he banks do whe t y make l n he
s tm.' f yse ' Emphassadde rrJ8/ 1 Tr c oft fontpa ofM ODERN i dfo ! y. ue opy he r ge
her o atached and i por ed her n by r er et t ncor at ei ef ence,s al Af i tofW al Todd ee so fdavi ker
ww
KORM AN vAURORA e a . tl
w.
St
op Fo
re
clo
Page 11 of205 7
su re
once agai hol a s al per ageoft new am ounti n ds m l cent hat n r erve and agai lndst r ai es n e he em ndert s o omeoneele, s r epeatng t m oney- eaton pr i he cr i oces m any tm es s i .
Fr au d. co
533.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 19 of 101
W H EREFO RE,PREM ISES CO NSI ERED ;Pl ntf diect t sCourtf ent y of D ai if r s hi or r
HOLDI NGS I NC,f Fr or audul Conver i awar Pl ntf r um oft Pr i or ent son; d ai if et he om ss yNOTE,or/and aw a d Pl ntf actl dam ages,com pensat y dam ages,general r ai if tal or
dam ages,or/and punii dam ages;Or AURORA t r um al t r paym ent tve der o et l he ent s
ww
w.
St
KORM AN v AURORA e al / .
op Fo
re
clo
su re
colect t G r or orH ei oft es at w ih cos s and f i an am ountTri off l ed o ant , r he t e, t t ees, n er act
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 20 of 101
535.
Pl ntf r alegesand afim seach and ever pr ai if e- l fr y ecedi par aph oft s ng agr hi
.
STATES DI STRI COURT F0R THE SOUTHERN DI CT STRI OF FLORI CT DA t ei AURORA wasa co- ef her n D endant ;
537.
ww
KORM AN vAURORA e a . /l
w.
St
As i ent execut J y 9t 2008 and fl sam e wih t Cl k oft Courtas s gnm , ed ul h ied t he er he
op Fo
re
538.
Page 11 of205 9
clo
su re
Fr au d. co
j ne AURORA a a oi d sn
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 21 of 101
pr t i quesi , Sept ber29t 2006,and t mont aferexecuton oft frs opery n ton h wo hs t i he i t em
A ss gnm ent i , '
542.
Pli ifsM org a NOTE, ViePr sdent( misngc por t s al,s t r antf tage nd as c e i ?, s i or ae e ) eove
s d M or gage and N O TE i f m ,f om LEH M A N BR O TH ER S BA N K FSB t t ai t n or r o he em pl oyerA U R O RA LO A N SER V I CES LLC ;i , f
543.
s d A s gnm ent as,i par ,A ss gnori nott pr ai si , n t i s he operpary pur uantt t Speci t s o he al
544.
ww
V e ii I rfed NTERROG ATORY unders fom AURORA,r ded w ih t Cl k oft eal r ecor t he er he
Co t ur ' ,
KORM AN vAURORA e a . /l
w.
St
op Fo
re
clo
su re
Fr au d. co
541.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 22 of 101
Pad' >
(. a)
t tf ed A U R OR A i t N O TE- o1 es i i s he H der;
( . b)
(. c)
Cor at Asi por e sgnme o orgageatac d he eo.'Se t bi A'tte nt fM t t he r t ' e d Exhi t 'ild
A U R O RA LO A N SERV I CES I TER RO G A TO RY A ns er N w s;
as i sgnme s atc dt t bi A'saesi pa t *-- sgnorhe e y as i unt nt) ta he o t Exhi t ' tt n r; n-As i r b sgns o
t abovehe nam ed x ss gnee,t s d M ort i he ai gage t he wih t N ot . ' w ihout oget r t he e. . ' t
nota part t Pl ntf s N O TE and t r d i bar en ofany r es aton t t y o ai if he ecor s r epr ent i ha M ER S* pur t d A ss gnorhad any aut iy t t any acton w ih r pectt por e i hor t o ake i t es o
ww
KORM AN v AURORA e a . /l
w.
547.
St
Pl ntf sN O TE ; ai if'
op Fo
expl naton ast w her , w hen orw ho i acquied Pl ntf sN O TE f om ,as M ERS* i a i o e t r ai if r s
re
clo
546.
Page 1 o 205 21 f
su re
Fr au d. co
545.
Afi and Def fant endanther n LAURA M CCANN as i t by Def ei s sed endant
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 23 of 101
t tcase,w ihouta itng t any w r doi di notpr ha t dm ti o ong ng, d oduce t genui N O TE, he ne
t aut atc s ay gener l pr bis t com m encem ent enf cem entor he om i t aly ohi t he , or
a lofa to a j me s j ca ora nitai ,a i tade orf t ppea cins nd udg nt ,udiil dmi srtve gans bt or he
colecton ofa cl m t ar pr ort t f lng oft bankrupt petton; l i ai hat ose i o he ii he cy ii 552.
w.
St
op Fo
re
ww
LEHM AN BROTHERS BA NK FSB hel neiherri ,ttenori eres i Pl ntf s d t ght il nt t n ai if de Jul 9t 2008;s Speci bt y h ee alEndor ent f sem s ound on copy ofa copy oft N OTE; he
KORM AN v AURORA e a . tl
clo
550.
Page 1 of205 22
su re
Fr au d. co
Hundr d- nd- fye a Fit Thous nd ( 5 000. ,he e fe wa dr a $1 0, 00) t r a tr s opped a aDefnda i s e nt n
548.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 24 of 101
A ss gnm entof a debtasa m aterof l i i f i r ded s an A ss gnm ent i t aw s nef ectve, ecor uch i w ih t Cl k oft Cour w ih t expr s i entt s t he er he t t he es ed nt o how an I er ti Pl ntf s nt es n ai if'
pr oper y evi t denced by sai A s gnm ent cons iut an actof I r nsi Fr d si , tt es nt i c aud;
558.
D ef endantJO A N N REI know s ors N , houl have know n t f i i ofan d he abr caton
A s gnm entw ihoutany l si t egalf oundaton em pl i oyed as evi dence i I rns c Fr s nt i i aud,as i n
par, M ERs* doesnotposs an act s at wrten and r ded conveyance f om t ess ual epar e it ecor r
ww
t act hol roft NOTE s overt M ERS* prort M ERSO m aki sai he ual de he et o i o ng d
hol t hus d; s conveyance, as s s d conveyance f om M ER S* i w ihoutaut i y, t voi al o, uch ai r s t
KORM AN vAURORA e a . fl
w.
St
op Fo
re
lga ca ciy t do et r di do s (n For knowi ors dha known, e l pa t o ihe , d o i m) ng, houl ve
clo
su re
556.
Def endantJOANN REI cons ousy a i entonaly i uded Pl ntf s N ci l nd nt i l ncl ai if'
Fr au d. co
554.
Endor em ent f s s ound on copy ofacopy oft N OTE i cat LEHM AN he ndi e
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 25 of 101
when t e i a huge di part bet een t val ofPl ntf spr her s s iy w he ue ai i f oper y bei negotat t ng i ed
FSB)rght ttea i ees i Pli ifsNOTE,whe e M ERS*As i d s t i , il nd ntr t n antf r by sgne ame o AURORA f Si y FieThous ndtme l st n istu f c val j726.05( )b) or xt v a i s es ha t r e a e ue, 1 1(
Fl St . howeverneiherLEHM AN BROTHERS BANK norM ERS* i t t O wner a. at, t s he rue ,
H ol ng any r ght tte,or i er ti Pl ntf s aleged debtt A ss gn; di i , il nt es n ai if' l o i 563.
pr e ton,a AURORA camst ofa quie Pli ifsde f Te ( 0. ;er otci s li o c r d antf bt or n $1 00) go,
ww
KORM AN vAURORA e a . /l
w.
St
op Fo
re
clo
Page 1 of205 24
su re
561.
Fr au d. co
know n as Servi ofPl ntf saccountt e i no l cer ai if' her s egalf oundaton t t A s gnm ent i o he si
559.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 26 of 101
al o, s
565.
unc edde a t j673. * ) Fl Stt, ns pur has i ma by aThid- ryur f ul, 3021 3 a. a.mea , c e s de r pa t
Debtcolect s e bei an unsecur debt al - l or am ng ed ; so,
567.
569.
Pl ntf cont ai if endst Exhi tAURORA hol whi i a copy ofa copy he bi ds, ch s
ofPl ntf ' aleg NOTE i af ge y;s eTil XLVICrmes j8 . , ai ifs l ed s or r e te i , 3101
570.
ww
know l edge,cons ,or aut i i i C ons r i Fr whi conveysnot ng,done ent hor zaton, s t uctve aud ch hi by M ER s* w iht i put know l t he m ed edge ofM ER SCO RP,as an on- ng busi s goi nes
w.
St
op Fo
BRO TH ER S BA N K FSB i a For y;s Speci s ger ee alEndor ent f sem s ound on t copy of he
re
clo
su re
566.
Fr au d. co
Pli ifsde f vauei good f ih;s j673. Fl.Stt, U. C.j 302; antf bt or l n at ee 3021 a a.or C. 3-
564.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 27 of 101
572.
done know i y and i i pa AU RO R A ' on- ng com l busnesspl acqui e cheap ngl s n rt S goi pt i an, r
Pli ifa ot r smia l st td,usng t j tc s tm t f ciiaet silgote antf nd he s i lry iuae i he usie yse o a ltt hi l- tngai w hi cr es and pr ent a s t i and s fc dangert t publc' healh, n; ch eat es s ubs ant al pecii o he i s t
a un- nf m ed. nd i or
ww
KORM AN v AURORA e l ta .
w.
St
op Fo
re
clo
AURORA ' Superor c owl S i edge and f ng,er AURORA i pr ng upon t weak undi go s eyi he
Page 1 of205 26
su re
Fr au d. co
571.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 28 of 101
Assgnmentf om M ERS*asN om i f LEHM AN BROTHERS BANK FSB aft i r nee or er Sept ber 15t 2008 and up t ayearpror awa d Pl ntf t f val oft NOTE em h o i ; r ai if he ace ue he i tebl or/and aw ar Pl ntf act dam ages,com pens or damages,gener n r e, d ai if ual at y al
dam ages or/and punii dam ages;Or AURORA t r um a1 t r paym ent , tve der o et 1 he ent s colect t Gr or,orHei oft esat wih cossand f i an am ountTri off l ed o ant r he t e, t t ees, n er act
ww
w.
St
op Fo
re
clo
su re
Fr au d. co
gai wher AURORA hast n eby aken pr opert fom Borowerevi y r r denced by an
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 29 of 101
573.
Pl ntf r alegesand af im s each and ever pr ai if e- l fr y ecedi par aph oft s ng agr hi
574.
Pli ift r n pla * . don t e for eal f de to d orsolnpr s or not antf he ei e d k-ac o n c /x, sr ye t e omis y e
and morga unde Fl St .# 67 30 ' be aus , t ge r a. at 3. 91.' c e
575.
Pu s ntt s ci j90. Fl i Stt es ( 02) Fl i ' c of rua o e ton 953, orda aut , 20 , orda s ode
576.
know i f ecl ur ltgaton i on t hor zon;but ng or os e ii i s he i , 577. D ef enda A U R O RA f l t r nt aied o eportt s l s t t Secur tes and hi os o he ii
Se iisExc eAc of1 curte hang t 934, Rul 17f1;Re r me s Re tng and e quie ntfor pori
I r wih Res c t M isng,Los,Countr i o St e Se ur/e ass h, nquiy t pe t o si t efet r oln c ffx; uc
ww
578.
KORM AN vAURORA e al / .
w.
St
Exchange Comm i i G eneralRul and Regul i prom ul ed undert sson, es atons gat he
op Fo
NOTE a M orga f c vaueofSi Hu ed-nd- Aynd t ge, a e l x- ndr a Fi Thous d,( 650, 00) u $ 000. ,
re
clo
su re
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 30 of 101
apr r quiiet brngi a j6 3091Fl.Stt Cli i o Cour ab i tokt twa e-e st o i ng 73. a a . am nt t nii ha y,
580.
Rul 17F1Cl m ,wih Res e ai t pectt M isi Zos,orSt en Seclrff ,by t wr o s ngn f ol f /es he ong
agai ta pary m aki a know i y f se cl m ,and t Cour coul r y on t tm ony ns t ng ngl al ai he t d el es i afer Rul 17F 1 com pla hasbeen m et t e i nce ;
581.
Rul 1 -1i pl woul hel Pl ntf i t si t e 7f n ace d p ai if n hi nsance and Pl ntf beleves ai if i
beca e, us
f ecl ur agai tany fut e N o TE- l der s Cl m i no concii ton f t ir abl or os e ns ur l ol ' ai s la i or he r epar e harm done by a pr enderdi pl ng a f iy,lke Pl ntf s,and ot et s aci am l i ai i f hers s m ia l i lry
ww
siuat t ed.
KORM AN vAURORA e a. tl
w.
St
582.
Rem edy pr ded by t Cour l ovi he t ndem niyi a vi i ofwr f ng ctm ongf ul
op Fo
re
Pa 129 of205 ge
clo
su re
Fr au d. co
r epored t t polce frs ,as m i si l tor s ol R ul 17f 1 shoul be consder as t o he i i t s ng, os t en; e d i ed
579.
Los a cele lphone t i ur he ns ance com pany w ilnotr ace s e untli i l epl am i ts
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 31 of 101
s overPl ntf sM orgage and NO TE asecond tm e t AURORA ,f AURORA' et ai if t i o or S beneft wihoutexpl i ast wher i acquied t ss i, t anaton o et r hi econd NOTE fom ,asM ERSO r i nota pary t Pl ntf sNot and t r d i baren ofany r es a i t s t o ai if e he ecor s r epr ent ton hat
i M ERS*,pup ored A ss gnor had a aut iy t t any acton wih r pectt an t ny hort o ake i t es o ,
aleged s l econd M ort gage al w ih a phant - or See dExhi tH ,'AFTER , ong t om N fE; t bi ' 584.
a l t desroyed orsol prom isom not and m orgage ..' os, t t en s e t ..'
585. l appear on t r d A U R O RA cl m ed i l tt N or M or gage on t s he ecor ai t os he rE- t
orbe or M a 1 t2009 (i Pe ns, but bef e t l f m alt oft s f e y 5h ls nde ) or he egal or iy he econd
A S i nm entoccur ed,execut by TH EO D OR E SCHU LTZ alegedl on June 8t 2009, Sg r ed l y h r ded sept ber 24t 2009; ecor em h 586.
pettoned t Cour f pr ecton underB a ii he t or ot i nknl cy Code,Chapt 11, Sept ber 2008, pt er em
ww
KORM AN v AURORA e al t .
w.
St
op Fo
re
clo
su re
Fr au d. co
known r bo- i o sgner,execut a s ed econd col abl Assgnm entJune 8t 2009 alegedl or e i h l y
583.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 32 of 101
hol t N OTE and M ort ds he gage i s t eekst f ecl e.See Booker v.Saras a.Inc. 707 o or os ot ,
THEODORE SCHU LTZ etal,m ay have com m it a crm i actunder 18 . ted i nal
pr t fom t debt sesat whiet derBanknl cy pr ecton,di do s wihout opery r he or' t e l m pt ot i d o t s ng r i f om t aut atc say,norNotced t Judi alTr t eeki elef r he om i t i he ci usee.
589.
( 1926) .
591.
Realpary-n-nt es,Hol -n- t i l er t der i Duecour pr se, ecedentt al Assgnm entofPl ntf s o z i ai if NOTE and M orgagef om M ERS* actng i t capaciy asnom i ofLEHM AN t r i n he t nee
ww
BR O TI ER S BA N K FSB ;however I ,
KORM AN vAURORA e a. tl
w.
St
2009,CaseNO .09- 01 CA- 7057,i isown name,f isown beneft appearng ast nt or t i, i he
op Fo
See,e. ,Cl Creek Power & Devel entCo.v.Cuter,79 Cob.355,245 P.939 g. ear opm l
re
clo
Page131 of205
su re
Fr au d. co
oft debtorevi he denceofan efectve tans eri r r t pr t apary valdl f i r f s equied o ove hat t i y
587.
A sa gener pr al oposii evi ton, dence ofa vald assgnm ent pr ofpur e i i , oof chas
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 33 of 101
i Pl ntf sNo -E- orgage.ot t i name onl fom prort M ort n ai if f M t her han n y, r i o gageLoan' s
i ncepton'w her n f , i , ei act
594.
m er y t Ser ceroft s aleged debti quesi see comm uni ton daed M ar h el he vi hi l n ton; ca i t c h r l s bi 1,'her o atached;wher n, Exhi t ' et t ei 24t 2010,fom Kahr W ut cherLLP,
ww
KORM AN v AURORA e a . tl
w.
St
:'
. ..
plas not t Aur a i onl t s r i ro hes j tl ' e e e hat or s y he e yce ft ub ec oan '
op Fo
re
clo
595.
su re
Fr au d. co
debt t m ont y m or gage, he hl t paym entr ved f om Pl ntf pai outby A U RO R A , i ecei r ai if, d s
ofAURORA know i i ts
592.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 34 of 101
I er t(i i LEHM AN BROTHERS HOLDI nt es sc) s NGS I anon- ry i Ca eNO. NC, pa t n s 09CA017057;wher Pl ntf sunder t ng ofwhata S ealpary i i er t'i i eby ai if sandi r t n nt es' s; s,
2)apa t who i nots ki t a s r a he pa t srg s s W oodbe v 383B. ry s ee ng o s e t not r ry' iht . ee rr . R. 373 ( Bankr D. C.2008) . S. .
598.
599.
537,( 1987) ;
600.
K ahr W ut cher LLP' com m uni ton does notm a m enton oft f l s S ca i ke i he act
601.
ww
602.
KORM AN vAURORA e al / .
w.
St
LEHM AN BROTHERS H OLDI NGS l i alo i Banknz cy,ata1 tm esr evant NC s s n pt li el . AURORA i a s s i t Ser cer r ser wihi t St t ofFl i s ophitca ed vi , egit ed t n he a e orda
op Fo
re
clo
Page 1 of205 33
su re
Fr au d. co
597.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 35 of 101
M orga /Home)ne itd i c i r to ofonl Te ( 0. , leg dl padt t ge gotae n onsde ain y n $1 00) al e y i o
M ERS*, i Consructve Fr t i aud; s
604.
605.
D ef endantA U R O RA coul notbe cons der asa bona fde pur d i ed i chas i er f
not buti i underB a , ts nknz cy pr ecton ata1 tm e r evanther n;w her pt ot i 1i el ei eby,
second t m e,agai f Si y Fi Thous tm es l t is f val i i n or xt ve and i ess han t ace ue, s C ons r i Fr t uctve aud,a Fr upon t Cour ,and w oul be vi ed as Cont ptagai t aud he t d ew em ns
ww
m isng ( a 1 h2 ; s i M y 5t 009)
KORM AN vAURORA e a . tl
w.
St
op Fo
606.
re
clo
Page 1 of205 34
su re
Fr au d. co
t r i ahugedipa iybe wee t vaueplc on Pli ifspr ry( he e s s rt t n he l a ed antf ope t NOTE /
603.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 36 of 101
i aFr s audul Conveyance done i For onl orFr ent n m y, audul Tr f done i For ent ans er n m
onl donea l As i i underBa ptypr e ton j 1 2)i;as y, whie sgnor s nknz c ot ci 726.05( () lo,
608. 609.
asbei ac ofPl ntf' ge neNOTE i af ge y;s ej673. ( )a ,a ng opy ai ifs nui s or r e 3021 1 () nd,
613. A s gnm ent conveyi Pl ntf s M or gage and N O TE f om LEH M A N si , ng ai i f t r
ww
t he m ed edge ofM ER SC O RP etal as an Fr aud,done by M ER S* w ih t i put know l ., ongoi gener l accept daiy bus ness pr i ng aly ed l i actce;
KORM AN vAURORA e a. tl Page 13 o 205 5 f
w.
61 4.
St
B RO THER S BA N K FSB ,i a For y;s Speci s ger ee alEndor ent on t aleged N OTE. sem s he l
M ERS@etal knowi y and i entonaly Assgned Pl ntf saleged debt ngl nt i l i ai if' l .,
op Fo
re
clo
su re
Fr au d. co
A s gnm entexecut by isempl si ed t oyee, TH EOD OR SCHU LTZ wearng a M ERS* hat i ,
607.
CEO TOM W l o
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 37 of 101
how ever ,
616.
Court doneknowi y,and i i par AURORA ' on- ng conuptbusnes pl t , ngl sn t S goi i s an o
a uieche p r lesaef pe e ont dola (os ofltgai , e ily cq r a ea- tt or nnis he lr c t ii ton) potntal
dipl ng Pl ntf and ot ssm iary st ed usng t Courts t t f lt et s s aci ai if her i l l iuat i he ys em o aciiat hi
ilgoten- n;w hi cr es and pr ent a s t i and s fc danger t t l- t gai ch eat es s ubs antal peci i o he
pr oper y due t A U RO RA ' Super or n ow l t o S i edge a f ng, er A U R OR A i nd undi go s pr ng upon t w eak and un-nf m ed. eyi he i or
ww
KORM AN vAURORA e a . fl
w.
St
op Fo
re
clo
f ecl ur w ho ar eiher un- epr ent , under r pres ed,orchos t a or os e e t r es ed - e ent e o bandon t r hei
su re
Fr au d. co
f brca ed a A ss gnm entoutofw hol cl h, done wih dol agai tt sPl ntf a i t n i e- ot t us ns hi ai if;
61 5.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 38 of 101
evi denced by an Assgnm entf om M ERSO asNom i f LEHM AN BROTHERS i r nee or BAN K FSB aferSe ember15t 2008 a up t a yearpror aw a d Pl ntf t f t pt h nd o i ; r ai if he ace val oft N OTE i tebl or/and awar Pl ntf act dam ages, com pens or ue he n r e, d ai if ual at y dam ages,gener dam ages,or/a punii dam ages;Or AURORA t r um al t al nd tve der o et l he
r paym ent colect t G r nt orH ei oft es at w ih cos sand f , i an ent s l ed o a or, r he t e, t t ees n
ww
w.
St
KORM AN vAURORA e a . tl
op Fo
re
clo
su re
Fr au d. co
Def endant sofal ilgoten- i wher AURORA hast ken pr t f ' l l- t gan eby a opery rom Bor ower r
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 39 of 101
617.
Pl ntf r alegesand afi each a ever pr ai if e- l frms nd y ecedi par a oft s ng agr ph hi
i t De a tRe ol i De rme ,oi l ors ve al pr de pej edtsi n he f ul s uton pa t ntj nty, e r ly ovi d rur e tmony
i Cas NO .07n e 80998- V Cl RYSK A* /VI TUN AC,t tfed AU RORA w asH ol es ii der
i poss s on of Pl ntf sonce w eti s gnat e f n es i ai if nk i ur ound on t genui N O TEhe ne
619.
Cor at Asi por e sgnme o orgageatac dhe eo.'Se d bi A'tte nt fM t t he r t ' e t Exhi t 'ild
620.
a
--.
i entonaly om it f om t I TERR O G A TOR Y Ans er i C as N O .07nt i l ted r he N w n e 80998CI - SK AM P /V I N A C ,cons der ng t M or gage f l st N O TE;see V RY TU i i he t olow he
ww
U. C. 203( . C. j9- g)
621. M ort gagei i dent t t N OTE; s nci al o he
KORM AN v AURORA e a . tl
w.
St
t her wih t N ot . ' t herw ih t N O TE ar wor of m a er alsi f cance ozet t he e. .' oget t he e ds t i gnii
op Fo
re
clo
su re
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 40 of 101
623.
624.
625.
VI TUN AC r equesed pr t oducton oft orgi N OTE f i pecton;t eaft i he i nal or ns i her er,
626.
clo
and wasdr opped asa Def endanti t cas , wihoutadm itng t any wr doi n hat e t ti o ong ng
su re
-
AURORA di notpr d oduce t genui N OTE norpr he ne oduced a copy t eofconcealng her i
f ecl ur Acton on behal ofAU RORA , i AURORA ' nam e f AURORA ' or os e i f n S or S be i,pl ng w ih t Cour t r t ih s d NorY M ort neft eadi t he t o eesabls ai l gage cl m i i w as ai ng t
628.
629.
St
ww
AURORA ast notowni t de J y9t 2008 (is As inment and AURORA o ng he bt ul h frt sg )
,
adm it y i noti act pos es i oft N orE M orgageM ay 1 h2009;and tedl s n ual s son he f t 5t ,
KORM AN v AURORA e al t .
w.
op Fo
627.
re
Page 1 o 205 39 f
Fr au d. co
m
, ,
622.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 41 of 101
M orgage becaus t Tr t i t r s er H ol butnever r ved t cl i t e he us ee s he egit ed der ecei he os ng docum ent ,how evers tng t as de, s' eti hat i
632.
633.
A s gnee nor is pr si t edeces or i i er tposs ed t not and di notot w i e s i y s n nt es ess he e d her s atsf
t r quieme sofs c i j 3091Fl St t,8 So. 790 ( a. DCA 2003) he e r nt e ton 673. a. a . 51 2d F1 41 ;
r daton oft fr tA ss gnm entJune 11h2009, orupon executon oft s ecor i he is i t i he econd A ss gnm entJ i une 8t 2009, Banknl cy' J ci Trts ee i i poss i of debt ' h pt s udi al lt s n ess on or s
ww
KORM AN vAURORA e a . /l
w.
St
635.
op Fo
634.
re
clo
Page 1 of205 40
su re
Fr au d. co
630.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 42 of 101
LEHM AN BROTHERS HOLD I l di pl NG NC d edgePl ntf sdebtt sai Tr t but ai if o d us , r eneged a di notdelvert physi pa NOTE,t t bes ofPl ntf s nd d i he cal per o he t ai if
know l edge,i orm aton and belef nf i i ;
1 pa a a 5)Gl'eFl nf. ( , r grph h cf lf AURORA)ownsand hol t Not and M orga .' T ds he e t ge'
( empha i a ss dded) .
638.
ww
KORM AN vAURORA e c . fI
w.
c y a hi t i a il ina yta a to ( nei For o y) fld wih t onve nyt ng,hus s n luso r r ns cin do n m nl , ie t he
St
op Fo
ma c i r dpej ybyi onsse sae nt a Pli iffndst a r ntt ybe onsde e rur nc itnt ttme ; s antf i he ve me o
re
clo
Page 1 of205 41
su re
.
637.
Fr au d. co
636.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 43 of 101
Pl ntf ' M ort ai ifs gage-a ast Servi oft saleged debton behal ofan uni ii loan he cer hi l f dentfed
Prnci w asdone A FTER , i pal 642.
on Pl ntf spr t appearng ast Realpary-n-nt es, i Perur byl onssent ai if opery i he - t i l er t s j y nc it
643.
AURORA ' entr Acton agai tt sPl ntf i Cas N O . 09S ie i ns hi ai if n e CA-
01 7057 i pr cat upon an il ona y conveyance f om M ER SO, f i ed f s edi ed lusi r r abrcat rom w hol c1 h f t sol pur e of ltgaton; e- ot or he e pos ii i 644. il i y conveyance f lus onar rom M ERSO w as f i ed f om w ho1 c1 h t abr cat r e ot o
-
ww
KORM AN v AURORA e a . fl
w.
com l busnesspr i done wih dol , t achi a desr out e,i par, t pt i actce, t us o eve ied com n t o
St
op Fo
re
clo
Page 1 o 20 42 f 5
su re
Fr au d. co
BROTI ERS BANK FSB i aFor y;s Speci I s ger ee alEndor sement f s ound on acopy of a
640.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 44 of 101
eiherun- epr t r esent under r es ed,orchos t aba ed, - epr ent e o ndon t rpr hei opert due t y o
A U R O R A ' Super or c ow l S i edge a f ng,er A U R OR A i pr ng upon t nd undi go s eyi he w eak and un- nf m ed. i or
W H ER EFO RE,PREM ISES CON SIDERED ;Pl ntf diect t sCourtf enty of ai if r s hi or r
Fr ud, rur fndi i t Afimai i whol orpa t a r Pli ift fce a Pej y; i ng n he fr tve,n e r, wad antf he a
val oft N OTE i tebl or/and awar Pl ntf act dam ages,compens or ue he n r e, d ai if ual at y
dam ages,gener dam ages,or/and punii dam ages,O r A UR O RA t r ' n al t al tve der o et ur l he r paym ent colect t G r nt ,or H ei oft es a e,w ih cos s and f ent s l ed o a or r he t t t t ees,i an n
ww
KORM AN vAURORA e a . tl
w.
St
op Fo
re
Page 1 of205 43
clo
su re
Fr au d. co
645.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 45 of 101
646.
648.
fndi ofFra i ng udul Tra f i pr enti CaseNO .07ent ns er s es n 80998- VCl RYSK AM P / VI TUNAC;except , 650.
ww
KORM AN vAURORA e a. tl
w.
St
op Fo
re
clo
Page14 of205 4
su re
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 46 of 101
BROTHERS BANK FSB,consi i t tsol f war contact' s a; derng he t d or d r ,' upr 652.
653.
negotaton bet een t partes f l i t s llk bel ,a m ater ofpublc r d; ii w he i olow ng hi iz ow t i ecor htp:/ w w . gov/ - e r s edga t /w sec. cgibi ow er?com pany=Lehm an+x s+Tm s +zoo6t ll& m at ch=& cl K=& fl ienum =&st e=& count =& sl at a c=& owner =excl ude& Fi nd=Fi nd +com pani & acton=get pany es i com
ww
docum enti tted CO RPO R A TE A SSI N M EN T O F M O RTG A G E,r ded s e s il G ecor am w ih t Cl k oft C ourtand t Publc' R egi t arofD eeds. t he er he he i s sr
w.
655. AURORA f i ed a docum entunders whi l abrcat eal ch acksa l egalf oundaton,s d i ai
St
op Fo
re
654.
clo
su re
Fr au d. co
651.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 47 of 101
W H EREFO RE,PREM I SES CO NSI DERED ;Pl ntf diect t sCour f enty of ai if r s hi t or r
j udgme agans AURORA,CEO TOM W l ofAURORA,c RS*,= RSCORP, nt i t r LEHM AN BROTHERS BANK FSB, ndJ a OANN M l j nty, s ve al f N oi l or e r ly or
Fr audul Tr f done i For onl orFr ent ans er n m y, audul C onveyance done i For onl ent n m y, Ext i i Fra w ih i put know l r ns c ud t m ed edge ofCEO TO M W I D ofA U R O R A and w ih N t
punii dam ages;di gor t e D ef tve s ge hes endant s ofa1 il goten- n w her A U RO R A ' 1 l- t gai eby has t aken pr opery f om B or owerevi t r r denced by an A s gnm entf om M ER S as si r N Om i f LEHM A N BR O TH ERS BA N K FSB afer Sept ber 15t 2008 and up t nee or t em h o a yearpr or O r A U R O RA t r um a1 t r paym ent colect t G r or or i ; der o et 1 he ent s l ed o ant ,
ww
KORMAN vAURORA e a. tl
w.
St
op Fo
t ebl or/and act dam ages,com pens or dam ages,gener dam ages,or/and r e, ual at y al
re
i put know l m ed edge ofM ER SCO R P;aw ar Pl ntf t f val oft N O TE i d ai i f he ace ue he n
Page 1 of205 46
clo
su re
Fr au d. co
FRAUDULENT ASSI M ENT OF M ORTGAGE GN A f audul as i entofm ort r ent s gnm gage i an i i as gnm ent s nvald si t waspr ed and/ execut by anat alper on who hat epar or ed ur s know i y and w il l cr ed t docum entf us i ngl lfuly eat he or e n com m er w ih t know l ce t he edge and i enton of decei ng or nt i vi def audi t publc orw ih w il uldi r r f t t ut r ng he i t lf s ega d or he r h whi can f m t bassf i ch or he i or mput knowl ed edge.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 48 of 101
656.
Pl ntf r aleges and af i m seach and every pr ai if e- l fr ecedi par a oft s ng agr ph hi
pr ec i asof Sept ber 15t 2008, i ol ot t on em b ns ventdur ng t tm e t s s i he i hi econd de w as bt alegedl t ansf r J 1 y r er ed, une 8t 2009; h 658.
sxt fve t a tmesTe ( 0. ,wiho lfi t a omai Sty,i a i y i hous nd i n $1 00) t ut itng he ut tc a s
659.
fndi ofFr i ng audul Tr eri pr enti CaseN O.09- 01 ent ansf s es n CA- 7057;except ,
660.
ww
c1 h by AURORA etal,knew ,ors d have known, A s i entl 0t . houl sgnm acked a l egal f oundaton,docum enttted CORPORATE A SSI i il GNW NT 0F M ORTGAGE .
KORM AN vAURORA e a . tl
w.
St
op Fo
re
clo
Fr audul Conveyance,orFr ent audul Tr er t s d negotaton i voi , ab i to. ent ansf , hus ai ii s d nii
su re
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 49 of 101
W H EREFO RE,PREM ISES CO NSI DER ED ;Pl ntf diect t sCour f enty of ai if r s hi t or r
digor t e Def s ge hes endantsofa1 ilgoten- n wher AURORA hast ' 1 l- t gai eby aken pr t opery fom Borowerevi r r denced by an Assgnmentfom < RS*asN om i f LEHM AN i r nee or
ww
Tr al i .
KORM AN vAURORA e a. tl
w.
St
op Fo
re
i w hol or par ,aw ar Pl ntf t f val oft N O TE i tebl or/and acm al n e t d ai i f he ace ue he n r e,
clo
onl whi i a ActofExti cFr wih i y, ch s n rnsi aud t mput know l ed edge ofCEO TOM W l l Nl
Page148 of205
su re
Fr au d. co
FRAUDULENT ASSI GNW NT OF M ORTG AGE; A faudul assgnm entofmorgage i an i i assgnm ent r ent i t s nvald i t w as pr ed a or execut by a nat alper on who hat epar nd/ ed ur s u owi y and wiluly cr ed t docum entf us i ngl lf l eat he or e n comm er wih t know l ce t he edgeand i enton ofdecei ng or nt i vi defaudi t publc orwih wiluldi r d f t t h r ng he i t lf segar or he rut whi can f m t bas sf i put know l ch or he i or m ed edge.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 50 of 101
663.
Pl ntf r aleges and af i m seach and ever pr ai i f e- l fr y ecedi par aph oft s ng agr hi
t tbet een t M aker and a Thid- rt D ebt c olect under t f nanci over ha w he r pa y- l or, he i al -
si ofTO M W I ,Chi Fi nci Ofi OF AURORA ,who know sors d ght ND ef na al fcer houl know ,Pl ntf sNOTE i quesi i l l unatai bl by AURORA ,bas on ai if n ton s egaly t na e ed
pr t and ot ssm iary sm at by i entonalm ir esent i opery, her i l l i ed, nt i s epr aton;
666. CEO TO M W l D ofA U R O RA i us ng Super or Know l N s i i edge t t o ake
Pl ntf ofpr ai if opert and ot ssm iary st ed,by i entonalm irepr ent ton; y, her i l l iuat nt i s es a i
ww
KORM AN vAURORA e a . tl
w.
St
op Fo
advant ofPl ntf s i ance oft 1 devi ed a s age ai if gnor he aw s chem e t cheatPl ntf of o ai i f
re
clo
Pr iesConsder and t f ctsai NorY - ort em s i ed he a d l M gage i hel asa colat alzed s d l er i
su re
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 51 of 101
know s ors , houl have known, Pl ntf sPr isor No' i r ser asbei i t d ai if om s p rE s egit ed ng n he
car cusody and contolofaREM I tted LEHM AN X S TRUST M ORTGA GE PASS e t r C, il TI ROUGH CERTI CATES,SERI 2006-11, as, I H ES
668.
Fr au d. co
t Verfed Contoli Docum ent fl wih t Securtesand Exchange Com m isi , he ii r lngs ied t he ii s on
667.
CEO TOM W l e
mont y ( r cl ori r cl by yofLEHM AN BROTHERS HOLDI hl die ty, ndie ty wa NGS I , as NC i e medir ; ntr a yl
669. CEO TO M W l o
A l pari t t Contoli Docum ent ar Banknz ori r gani i , l tes o he r lngs e pt n eor zaton
SERI 2006-11everbecom e i ol , lqui e i whol orpartt AURORA oris ES ns vent i dat n e hen t
Par wilr ai t cas fow ,f ecl ed pr t and alke, notby negotaton,butby ent l et n he h-l or os opery i ii
ww
l m an sandi usng aconsr i decepton agai tt Bonower/Pl ntf and t ast t ng i tuctve i ns he ai if he
Cour sys em ' t t ,
KORM AN vAURORA e a. tl
w.
St
op Fo
re
670.
clo
notdibur e m ont y cas fow paym ent t LEHM AN BROTHERS BANK FSB as s s hl h l so
Page 1 o 205 50 f
su re
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 52 of 101
r evant el , '
673.
CEO TOM W l r
U nr ser l egit ed nvest entCompany i pr uded fom conductng any t ofbusi m s ecl r i ype ness
( ng, eli ta ngormodiyng M orga ) butma lq daeishol ngsi t buyi s lng,r di fi t ges, y iui t t di n he
nor alcour ofbus nes ie.di tng an i ur def t N o r M ort m se i s, . ves i ns ed auled fEgage, f l s or et
s yTe ( 0. . a n $1 00)
674.
C ours ofPl ntf s Pr i s y- o r ,by Speci - ndor ent com esnow , e ai i f om s or N fE al l sem ; 675.
677.
ww
KORM AN vAURORA e a . tl
w.
St
op Fo
re
clo
su re
Fr au d. co
Pha om- iy,af egn ( Yor Unr it r l sme Compa a a1tmes nt Entt or i New k) eg seed nve t nt ny t l i
672.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 53 of 101
f ound underNOTI OF ASSI CE GNW NT SALE OR TRAN SFER OF SERVI NG CI RI GHTS dExhi tF'butf t bi ' ound i r ng t SERVI NG AGREEM ENT,fl wih n eadi he CI ied t t Sectrtesa Exchange Com m i i however he lii nd sson; ,
679.
Trus- tfcaesi exchange f Pl ntf sW etM ort tcerii t n or ai if gage- n;how e , Loa ver
682.
683.
s ecurii ton ar ofLEHM AN BROTI ERS H OLDI S I tza i m I NG NC,di notr ve d ecei
684.
Pl i ifsNOTE, i no t pe s e ildt e o cet NOTE. eUCC jj3- 06 antf but s t he ron ntte o nf r he Se 3
ww
a 9- 5( )2) nd 31 a ( .
KORMAN vAURORA e a. /l
w.
St
op Fo
re
clo
Page 1 of205 52
su re
Fr au d. co
678.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 54 of 101
s chem e w her A UR O RA can accum ul e r - oper y,l l r st ed t a N oneby at ealpr t egaly egi er o
asTr tce tfc t-l de ' rght i a ogoust pur ha i or ngest sus- riiae lol rs i s s nal o c sng a TnIt
Hol )a rght t t te ( der ny i s o he r e NOTEs ;s et bi Q'he eo atc as ) e t Exhi t ' r t ta hed; lo,
688.
N on- ypart Benefci y,Trl t cer ii e- ol l i ar ts - tfcat H der, acks t l he egalcapaciy t
689.
690.
ww
KORMAN vAURORA e a. tl
w.
St
op Fo
Ceriiaes fom t s r r t( tfc t ) r he upe ma ke DTC) doe notgi t c u r( riiat, s ve he ons me Ce tfc e
re
clo
Pa t Be i a y (. Tnltce tfc t lol r bya t ought DTC) howe ry- nefcir ie. s- riiae-l de , nd hr he , ver
Page153 of205
su re
Fr au d. co
685.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 55 of 101
wasnegotaed num er tm es,by va ouspa i and t onl m enton ofAUROR A it ous i ri rtes he y i i t n heseContoli Docum ent i i cont ofSer ceroft saleged de ;untl r lngssn ext vi hi l bt i,
693.
and C eri yi O f i s ofM ERSO, nom i ofLEH M A N BR O THER S BA N K FSB as tf ng f cer nee
694.
THEOD ORE SCHULTZ a JOANN REI act out de oft rl nd N ed si hei egal
col abl assgned Pl ntf ' debtt AURORA wihoutexplnaton ast wher when or y i ai if s o t a i o e,
ww
KORMAN vAURORA e a. /l
w.
orw ho t acquied s d debtf om ,asM ERSO i notapart t Pl ntf sNot and hey r ai r s y o ai if e
St
op Fo
ma pultngl ll ngdoc nt, goma pultng t j tc s t m t f cltt ni ai ega ooki ume s er ni ai he usie yse o a iiae
re
capa t di do s i an atem ptt com m i an actofLar ciy, d on t o t ceny agai tPl ntf , ns ai if
Page 1 of205 54
clo
su re
Fr au d. co
s chem ewher AURORA ca acc eby n umul er - opery,sm at lkePl ntf s,i at ealpr t i ed i ai if n
691.
CEO TO M W l o
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 56 of 101
697.
fndsi har t beleve t eDef i t d o i hes enda s< RS*,= RSCORP orAUROR A etal, nt .
t ansf r a phant N O TE by m i t r er ed om s ake,t i ort t e t w ce, hat hes ypesof i dent ar not nci s e t nor , becaus M ER SC O RP know s M ER S* can nott ansf benef ci i er ti t he m i al nt es n he e r er St e ofFl i butcontnuest do s as s her n,i entonaly i at or da, i o o een ei nt i l gnorng al Fl i i l or da
699.
ww
M ER S* col r y ass gned Pl ntf s N o - - ort o abl i ai i f fE M gage w ihoutt l t he egalcapaciy t do t o so;di do s t o yea afer, d o w rs t
KORM AN v AURORA e al t .
w.
St
( 1985) .
THEOD ORE SCHU LTZ orJOANN REI ,Ceriyi Ofi sof N tf ng fcer
op Fo
The Supr e Courtf em ound t tt Pl ntf i aci lRI acton ha he ai if n vi CO i need es abls onl a cr m i i ol ton' and nota cr m i t ih y i nal a i ' vi i nal convi i Furt ,t Cour hel t t D ef cton. her he t d hat he endantneed onl have y caus har t t Pl ntf by t com m i i of a pr cat of ens ed m o he ai i f he ss on edi e f e i s a w ay as t cons iut a pater ofRacket i actviy.' n uch o tt e i t n eer ng i t ' Thati t Pl ntf need notdem ons r e t tt D ef s, he ai if t at ha he endanti a sn or ni cr m e fgur a m obs er i t popul s e,ort tt ga zed i i e, t n he ar ens ha he
re
Page 1 of205 55
clo
su re
Fr au d. co
busi sactvel si 1995 r di negotat Til bet nes i y nce ecor ng i ed tes ween i' M ember and, ts s;
696.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 57 of 101
CEO TOM W l o
J OANN REI ha j nty ors r lyc pie t c N ve oi l eve al ons r d o ommi Lac ny, f brc tng t r e by a iai
evi dencet m a AURORA a o ke ppearast Realpary-n-nt es /Hol -nhe - t i l er t der i Due-
ww
KORMAN vAURORA e al f .
w.
St
op Fo
703.
CEO TOM W l c
re
clo
by cons m ctng a Fr t i aud,a il n legalt ki f is ow n us and benef t done know i y a ng, or t e i, ngl
Page 1 of205 56
su re
Fr au d. co
700.
LEHM AN BROTHERS BANK FSB by Speci -ndor ent consgned all sem , i
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 58 of 101
condol ence,over a s t i t r car c t a cont olundert cop ora e vei of ys em n hei e us ody nd r he t l
M ERSCORP,whi DEFENDANT eihercr ed,s ch t eat uppor fnanci l orempl t ti aly oy hus m aki DEFENDANT co- piat la e asaf lt orofsai Fr ng cons r or, ibl aciiat d audul be or ent havi ,
f lt orofLar aciiat ceny on a gr nd s e. a cal 706.
Def endant AU RORA orTom W i ar usng t arii ofM ERSO, t r s nd e i he tfce hei
empl oyee mi w ih t rSuperorxed t hei i Knowl edge t m ani at t Cour s t , usi o pul e he t ysem ng
wela eofove ni t pe c nt( fr r ney r e 90%)ofFl i a i f r l ur who a eun-e e e e ordins n o ecos e r r pr s ntd,
under r es ed,orchos t a ndon t rpr - epr ent e o ba hei oper y due t A U R O RA ' Superi t o S or
ww
j nty ors r lyf Ci lCons r c t c oi l eve al or vi pia y o ommi Gr ndLa c nyofove Tlr t a re r lee
Hundr ( ed $300. ;fndi i t Afima i i whol o pa tdigor t e 00) i ng n he fr tve,n e r r, s ge hes
Page 157 of205
KORM AN vAURORA e a . /l
w.
St
op Fo
K now l edge and f undi er A U RO RA i pr ng upon t weak and un- nf m ed. ng, go s eyi he i or
re
clo
cr esand pr eat esent a s t i and s fc dangert t publc' healh,s et , or s ubs antal pecii o he i s t af y
su re
Fr au d. co
ot rssm ia l st ed ar faudul i t rna ur supr butsand sl i he i lry iuat er ent n hei t e, a, t ient n
705.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 59 of 101
BROTM RS BA NK FSB aferSept ber 15t 2008 and up t ayearpri awar t em h o or; d
ww
w.
St
KORMAN vAURORA e a. /l
op Fo
re
clo
su re
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 60 of 101
707.
Pl ntf r alegeu na af i m seach and ever pr ai i f e- l fr y ecedi par aph oft s ng agr hi
708.
B A N K FSB ,know ,ors houl know ,pur uantt t Cont oli D ocum ent Pl ntf s d s o he r lngs ai i f N o TE- or gage,is Regi t ed- ol i LEH M A N X S TRU ST M O RTG A G E PA SSM t t s er ll der s
Pl ntf s debti cons der i f Tnl tc eri i es s d by and t ough t D TC t ai i f n i aton or s - tf cat , ol hr he o
i nves or ,but t s- , 71 0.
PA SSTHROUGH CERTI CA TES,SERI 2006- pur uantt whatt Scr H ES 11, s o he een-
711.
ww
pr um ptvel or atl tPl ntf coul notfnd any evi es i y, eas ai i f d i dence t t cont ar o he r y;
w.
St
Shots how s,hel i Pl ntf s car cus ody and contol as, d n ai if e t r ; LEH M A N BR O THER S H O LD I G S l C di notdelvert Cl i N N d i he osng-
op Fo
re
clo
su re
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 61 of 101
part a a atemptby eiherLEHM A N BROTHERS BAN K FSB,LEHM AN y nd ny t t BROTHERS HOLDI NGS l orSTRU CTU RED ASSET SECURI ES NC TI
ww
KORM AN vAURORA e a. tI
w.
St
op Fo
re
clo
su re
Fr au d. co
712.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 62 of 101
ww
w.
St
KORM AN vAURORA e a . tl
op Fo
re
clo
su re
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 63 of 101
715.
Pl ntf r aleges and af im s each and ever pr ai if e- l fr y ecedi par aph oft s ng agr hi
Thid- t D ebt colect ,w hi i i adm it y,i notentted t dem and norexpect r pary- l or ch t s tedl s il o any m or t t cons der i pai i exchange f Pl ntf suns ed debt pl us e han he i aton d n or ai if ecur , us ual and cus om ar i er t t y nt es ' ,
ot good and v uabl consi adonn'f Pl ntf st s ed debt i Cas NO .07her al e der ' or ai if m ecur ,n e
80998- V - Y SK AM P /V I N A C ;and t i Cl R TU hen n,
ww
gooda vaua ec i r to i)i Us ius s eSe to 68 0 Fl Stt; nd l bl onsde ain s s uro ; e cin 7.71 a. a .
KORM AN v AURORA e al / .
w.
St
op Fo
718.
re
clo
Page 1 of205 62
su re
Fr au d. co
CO UNT I . X U SURY
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 64 of 101
t t r degr puniha e aspr ded i s. 082,s.775. he hid ee, s bl ovi n 775. 083,ors.775. 084;
( Boo ofa ountorot rdoc nt r or ng e e insofc e t 5) ks cc he ume s ec di xtnso r di i vi ai ofs e tons( or( a ede lr d t bec r ba a n olton ubs c i 3) 4) r ca e o onta nd, nd
any tansacton,m ater ort ng concem i whi he ors m ay so t tf r i t , hi ng ch he esiy orpr oduce evi dence,docum ent y orot w i e,a no t tm ony s gi ar her s nd es i o ven orpr oduced s lbe r ved agai tt per upon any cr m i hal ecei ns he son i nal i nvestgaton orpr i i oceedi ng.
ww
KORMAN vAURORA e a. tl
w.
St
op Fo
ors bj c t pe s t ape ly orf fiu e, no pe s s l be u e t he r on o nat oret r but ron ha l pr e utd ors b ece t a pe lyorf f t r f o o ac ounto os c e u j td o ny nat oreiu e or r n c f
re
her or t any books,paper orot docum entbef e any cour upon M y , i he vi aton oft s secton upon t ol i hi i tgaton,pr nves i i oceedi or ti ,f any ng, r al or gr ound orf t r or he eason t t t tm ony or evi hat he es i dence,docum ent ry or a ot w i e,r r oft per on m ay t t convi hi orher ofa cr m e her s equied he s end o ct m i
clo
Page 1 o 205 63 f
su re
any pers ot t apublc ofi i t peror ance ofhi orher on, her han i fcer n he f m s dut a ot t t per on char s us i i er tand pers y, nd her han he s ged uch urous nt es on actng on hi orherbehal,who s lknowi y and w iluly poss or i s f hal ngl lf l ess m ai ai s books ofaccountorot docum ent orcons r so t do, nt n uch her s, pie o com m isa m idem eanoroft fr tdegr punihabl aspr ded i t s he is ee, s e ovi n s.775. ors.775. 082 083.
Fr au d. co
i er tperyearwhet diecty ori r l orcons r s t do,comm isa f ony of nt es her r l ndiecty pie o o t el
721.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 65 of 101
( $650, 00) orPli ifs l pa Fourr us nd000. , antf hal y rho a Two-l ed( 2 00)pe lundr $4,00. r
( $887, 62)i i e es al (ppr xi t l ,n e ha f rTEN ( 0. i 211. n ntr t one a o ma ey) i xc nge o $1 00) n
Feder R ese N ot how e , al rve es; ver 723.
v u ec i r i (f i c nbes alabl onsde aton, i,t a hown pur ha eo ta a ton a t ly oc ure c s r r ns c i cual c r d,
not us ame ewrte r ia ofs me pl nor la c t r i e e tuponpr j t r itn ectl a ) us ma nd usoma y ntr s oof
W H EREFO RE,PREM ISES CON SI ERED ;Pl ntf diect t sCourtf ent of D ai if r s hi or ry
ww
BANK FSB j ntyors ve al f c pii t c r Pli ifaUs iusi e es, t oi l e r ly or ons rng o hage antf uro ntr t a
a r e cons der t be gr ert t i t U s i l at i ed o eat han w ce he urous evelas per it by l , m ted aw
KORM AN v AURORA e al t .
w.
St
op Fo
re
clo
Page 1 of205 64
su re
Fr au d. co
t Cour w ilper ve i a Secur Debt f val Si Hundr Fit Thousand he t l cei s ed, ace ue xed- fy-
722.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 66 of 101
A f i m atve,i whol orpa ,decl e t debtunenf ceabl and aw a d Pl ntf a fr i n e rt ar he or e r ai if penaly agai tA UR O R A ,t s ofdoubl t am ountof i er tact l r ved or t ns he um e he nt es ualy eser
colect s Secton 687. Fl St . Or AURORA t r um al t r paym ent l ed, ee i 04 a. at; der o et l he ent s
colect t G r or or H ei oft es at w ih cos s atd f i an am ountTr eroff l ed o ant , r he t e, t t z ees, n i act
ww
w.
St
KORM AN vAURORA e c . fl
op Fo
re
clo
su re
Fr au d. co
degr puniha e aspr ded i s. 082,s.775. ee, s bl ovi n 775. 083,ors.775. 084)fndi i t i ng n he
whet diecty or i r l cons r s t do,com m it a f oni actoft t r her r l ndiecty pied o o ted el ous he hid
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 67 of 101
725.
Pl ntf r aleges and af i m seach and ever pr ai i f e- l fr y ecedi par aph oft s ng agr hi
( $650, 00)de i e ha f Te ( 0. ,ls t n r a ona eeq valntval 000. bt n xc nge or n $1 00) e s ha e s bl ui e ue;
see tExhi tA ' a t t bi ' t ached t et her o; 727.
730.
731.
CEO TO M W l r
bewe n t pa test tha as cilwor ngr ltons p ( mpl e a e oye ) i t e wo ri ha ve pe a ki eai hi e oy r nd mpl e , s
a C ons r i Fr t uctve aud.
ww
KORM AN vAURORA e a. tl
w.
St
As inme exe utdbyise oye J sg nt c e t mpl e OANN REI i e ha f Te ( 0. , N n xc nge or n $1 00) done
op Fo
re
Page166 of205
clo
728.
su re
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 68 of 101
j ta f i,dee mi da Tra . us nd ar tr ne t il
ww
w.
St
KORM AN vAURORA e a . fl
op Fo
re
clo
su re
Fr au d. co
W H EREFO RE,PREM ISES CON SIDERED ;Pl ntf diect t sCour f enty of ai if r s hi t or r
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 69 of 101
732.
AURORA aleged i acquied Pl ntf sSi Hundr Fit r l t r ai if xed- fy-fhous and
( 0, 00)de i e ha f Te ( 0. ,ls t n r a o bl e vae vaue; $65 000. bt n xc nge or n $1 00) e s ha e s na e qui lnt l
734.
737.
i er t -as nt es s , ,
738.
A U R O RA i an i i ' s ns der,
739.
ww
KORM AN vAURORA e al t .
w.
St
op Fo
re
clo
Page 1 of205 68
su re
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 70 of 101
j udgme a ns AURORA, nt gai t CEO TOM W l ofAURORA, W RSCORP, RSO r W , LEHM AN BROTHERS BANK FSB,a TIEODORE SCHULTZ j ntyor nd I oi l
paym ent colect t Gr or orHei oft esat wih cossand f i an am ount s l ed o ant , r he t e, t t ees, n
ww
w.
St
KORM AN v AURORA e al t .
op Fo
re
clo
Page 1 of205 69
su re
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 71 of 101
740.
742.
AURORA Jul 9t 2008, asV i Pr i y h ce esdentofeiherM ERS*, orAU RORA , as i ng t sgni Pl ntf sM orgageand NOTE,t eaferr ded sam ew ih t Ptblc' Regitarof ai if' t her t ecor t he l i s sr Deedsi Pal Beach Count n m y;
ww
743.
at t i execut unders ,i ended t s tesaton ed eal nt o how benet i i er ti Pl ntf ' pr t k al nt es n ai ifs opery;
KORM AN vAURORA e a. /l
w.
St
op Fo
t r degr puni habl as pr ded i s.775. hid ee, s e ovi n 082,s.775. 083,ors. 775. 084.
re
clo
831. For y. 01 ger W hoeverf s y m a alel kes,aler ,f gesorcot t f t apublc r d, t s or m ereis i ecor ora cer ii e,r ' n orates aton ofany cl k orr s erof a court tf cat et ur t t i er egi t , publc r s er,not y publc,t i egi t ar i own cl k or any publc of i ,i er i f cer n r a i t a m aterw her n s certf cat r ur or a t t i m ay el t on o t ei uch i i e, et n t es aton be r ved as a l ecei egalpr ;ora char er deed,w il t t ent bond, oof t , l , es am , orw r tng oblgat y,l t ofator ii i or eter t ney,polcy of i ur i ns ance,bilof l l ng,bilofexcha orpr i or not oran or ,acquit adi l nge om ss y e, der tance, ordichar f money orot pr s ge or her opert oran accept y, ance ofabilof l exchange orpr i s y not f t paym entof m oney,or any r pt om s or e or he ecei f m oney,goods or ot pr rt or any pas or her ope y, sage tcket passor i , ot evi her dence oft ans aton i s by a com m on canier w ih r port i s ued , t
su re
Fr au d. co
COUN T XII. FO RG ER Y
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 72 of 101
745.
AURORA ,fom LEHM AN BROTHERS BAN K FSB,sai As gnm enti a f ger See r d si s or y. t Speci he alEndor em ent f s s ound on t aleged NOTE i quesi he l n ton, t bi Z,'her o Exhi t ' et
atached. t
j udgme a i tAURORA, nt gans CEO TOM W l ofAURORA wih i e knowl e, o t mputd edg
( 000.0)orSi lundr d- fy- ho a ( 65 000. tmest Or rr mova of $5, 0 x-l e Fit r us nd $ 0, 00) i r wo; de e l
al A s gnm ent f l si s ound i t publc r d ass at w ih Pl ntf s N o TE- or gage n he i ecor oci ed t ai if M t
i whi AURORA caus t ber ded,wih cos sand f ,i an am ountTrerof n ch ed o ecor t t ees n i
ww
KORM AN vAURORA e a . tl
w.
St
op Fo
re
clo
su re
Fr au d. co
Pl ntf spr pe t usngt f lf cea e f c oft j tc s t m;whe e ai if o ry, i he ' or nd fe t he usie yse ul r by,
744.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 73 of 101
747.
Pl ntf r alegesand afim seach and ever pr ai if e- l fr y ecedi par aph oft s ng agr hi
748.
execut s d Assgnm entofPl ntf sM ort ed ai i ai if' gage and NOTE, t eaf err ded s e her t ecor am
w ih t Publc' R egi t ar ofD eeds i Pal Beach C ount t he i s sr n m y; 749.
pr opery; t
750,
ww
752.
KORMAN vAURORA e a . tl
w.
tte and isi er tt LEHM AN BROTHERS HOLDI GS I C; il t nt es o N N t ee year l ert ss e NOTE i bei r Assgned f at r tm e fom hr s at hi am s ng e- i or hid i r
St
op Fo
re
clo
Page 1 of205 72
su re
dieCton ofA URORA J 8t 2009, actng i t capaciy asVi Pr i r i une h i n he t ce esdentofM ERS*
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 74 of 101
tm est Or r i wo; der emovalofa1 A s i ent f 1 sgnm s ound i t publcr d as oci ed wih n he i ecor s at t
ww
w.
St
KORM AN vAURORA e a. tl
op Fo
re
Page 1 of205 73
clo
Pli ifFi Thous nd ( 000. orSi lund ed- fyantf vea $5, 00) x-l r Fit Thous nd ( 0, 00) a $65 000.
su re
Fr au d. co
Endor em ent f s s ound on t aleged NOTE,d he l t bi Z,'her o atached,t satached Exhi t ' et t hi t
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 75 of 101
753.
notbe at copy oft genui NO TE i quesi s tExhi tZ' her o atached rue he ne n ton; ee i bi ' et t
re
756.
W H EREFOR E,PR EM ISES CONSI ERED ;Pl ntf diect t sCourtf enty of D ai if r s hi or r
Or r der emovalofal Assgnm ent ass at wih Pl ntf sNorY - orgage fom t 1 i s oci ed t ai if' l M t r he
ww
w.
Fie-r a ( 000. orSi lundr Fit rhous nd( v rhous nd $5, 00) x-l ed- fyr a $650, 00)tme t 000. i s wo;
St
f For y;awar Pl ntf an Or agai tAUROR A and aspuni or ger d ai if der ns shmentpay Pl ntf ai if
op Fo
clo
su re
Fr au d. co
COUN T XIV. FO RG ER Y
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 76 of 101
757.
Pl ntf r alegesand afi seach and ever pr ai if e- l trm y ecedi par aph oft s ng agr hi
tans erofPl ntf sN OTE occur ed cont r f ai if' r empor aneousy wih t Cl ng, butr her l t he osi at
761.
M oney- of Accountempl ng Pl ntf scr t whi wasus t acquie poss i oyi ai if' edi, ch ed o r esson
ww
KORMAN vAURORA e a. tl
w.
762.
St
op Fo
re
clo
Page 1 of2 75 05
su re
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 77 of 101
765.
Pl ntf di notknow att tme Com m er aldr ti apr ai if d he i ci af s oductofGr or' ant s
767.
ww
cl t i t e N O TES,w ih Pl ntf sN O TE cr ed M ort us er ng hes t ai if eat gage- acked Securt es,and B ii wher cl t i t M or gageeby us erng he t Backed Secur tes cr ed B ON D S t eof ii eat her .
KORM AN vAURORA e a. tl
w.
St
fna alas et as i orm a i and know l i nci s , nf t on edge t s e w as i entonaly w ih- d; o am nt i l t hel
op Fo
re
clo
s iyecur t ,
su re
Fr au d. co
763.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 78 of 101
genui NOTE wih t once weti sgnat eofPl ntf i aFor y;consderng, ne t he nk i ur ai if s ger i i 769.
v.Par r ( ke 1967)255 CalApp. 664,672) GThec i o gey i c eewhe . 2d , . rme ffor r s omplt n onemakesorpas esan i or e ty name i tume wih i e t de aud, s nc r cl d nsr nt t nt nt o fr prj c ,ordamage andpr fo os orderm e i i eudie , oo fl s ti nt s mmatral'As t tue e i .' ,he r
natl e of a t ans i depends upon t i enton oft partes. tr r acton he nt i he i
ww
KORM AN vAURORA e a. tl
w.
St
op Fo
770.
re
clo
su re
b r as o uch f key t hei e cudng a doc e o hatnat e '( opl y e on fs fr r , hat s xe um nt ft ur .' Pe e
Fr au d. co
debt pr ort or atCl i as s , i o os ng, uch,al t M orgage docum ent execut i 2006 l he t s ed n
768.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 79 of 101
771.
Pl ntf r aleges and af i m seach and ever pr ai i f e- l fr y ecedi par a oft s ng agr ph hi
f ve days ofA U R OR A ' i talcom m uni i w ih Pl ntf asB or ow er,and i S nii caton t ai if r A U R OR A as Thid- y- ebt colect dem andi paym entaf erLEH M A N r part D - l or, ng t
BR O TH ER S BA N K FSB f l f B anknl cy pr ecton Sept ber 15t 2008; ied or pt ot i em h 773. R ecei versar appoi ed by courtor t w i up and lqui e busi es. e nt der o nd i dat ness
i t c t oft c t SeeR.Clr Cl k on Rec i rsj36 ( 959) (e eve i n he usody he our. ak, ar eve 1 , rc i r s a a m ora nitrngha oft c t;Ata i Tr tCo.v.Chapm an,208 U. n r dmi se i nd he our) l ntc us S.
ww
i er er nt f ence wih t r ver' f i i puniha eby cont pt See,e. ,Cl t he ecei s unctons s s bl em . g. ear
KORMAN vAURORA e a. /l
w.
St
360, ( 372 1908)(e i ri ofk e ofc t a ispr ry i i cusodi lgi) r ceve s t r our, nd t ope t s n t a e s ;
op Fo
774.
re
clo
Page 1 of205 78
su re
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 80 of 101
778.
780.
s hc uc ommuni ton wasonr or (o bef cai ec d t ound ont rc hei omputrstr na s r e . e ' e mi l c e n)
onJ y22n 2008, e compli (i Pe de ) s ei bi P' atc he eo a ul d pr ant ls n ns ; e Exhi t ' ta hed r t nd ,
i por ed her n by r er ncor at ei ef ence' ,
783.
ww
KORM AN vAURORA e l ta .
w.
St
782.
si M ay 18t 2008 Pl ntf hasr ved num er t ephone colecton nce h ai if ecei ous el l i
op Fo
781.
re
clo
c lcin cal t ry- ( )da fom r c ptofr s f Vai ton;howeve , ole to ls hit one 31 ys r e ei eque t or ldai r
su re
Fr au d. co
776.
775.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 81 of 101
oft i whol na a t l tf ( di t oft rSoca Se urt Number her e me nd he as our 4) gis hei il c iy .
786.
Pli ifha uni ntfe pe s a vi a Pli ifshome( hl) antf s de iid rons ni ng t antf mont y
satng t wer s by AURORA t i pectPl ntf spr t and t t i hey e ent o ns ai if opery ake
phot a ogr phs.
787.
788.
debt s 15 U SC 1 ; ee 692g;
789.
ww
KORM AN vAURORA e a. tl
w.
St
W H EREFO RE ,PREM ISES CO NSI EQED ;Pl ntf diect t sCour f enty of D ai if r s hi t or r
op Fo
re
clo
owe it ntonal mirpr s n i t a d,n e i ly se e e tng he moun owe 1 USC 1 t d, 5 692ej 8 2)a) a 07( ( ; nd,
Page 1 of2 80 05
su re
Fr au d. co
784.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 82 of 101
790.
Pl ntf r alegesand af im spar aph 771t ough and i udi ai if e- l fr agr hr ncl ng
par aph 789 oft sCom pl ntand i agr hi ai ncop or e s at ame her asi aleged anew. e f l
791.
A U R O RA ' tw r ten polcy' f m ai ai ng a tdo notcal' ls ,w hi w as deni t S t it i ' or nt ni d l' i t ch ed o Pl ntf by non- pla ai if com i nce,by non- es r pons e. 792.
W H EREFO RE,PR EM ISES CON SIDERED ;Pl ntf diec st sCour f enty of ai if r t hi t or r
Stt e a r Pli ifFi aut ; wad antf ve Hundr d( e $500. f t frtt nt ( c l a 00) or he is we y 20) als nd
Tr bl Fi -l r d ( 00. f t r nde ,wih c t a f es i a a e e velund e $5 00) or he emai r t oss nd e ,n n mount
ww
KORM AN vAURORA e a. tl
w.
St
op Fo
re
clo
su re
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 83 of 101
793.
Pl ntf r alegesand afim spar aph 771t ough and i udi ai if e- l fr agr k ncl ng
par aph 792 oft sCompl ntand i agr hi ai ncop orae sam eher asi aleged a . t e f l new
794.
D ef endantA UR O R A i eiheruna e orunw ilng t do s as s , s t bl li o o; uch Pl ntf m ai ai D ef ai i f nt ns endantA U RO R A has a i know i y r nd s ngl eportng i
un- ii fna ali or aton t t tlee s ra e r verf ed i nci nf m i o he lr epa t epor i agenci m ont y; tng es hl
798.
W H EREFO RE,PREM ISES CON SIDERED ;Pl ntf diect t sCour f enty of ai if r s hi t or r
ww
one oft t ee r he hr epor i agenci cos s and f i an am ountTreroff deem s i tng es, t ees n i act s
j ta f i, t r ne a Tra. us nd ar de e mi d t il
KORM AN v AURORA e a . fl Page 1 of 2 82 05
w.
St
op Fo
re
clo
su re
795.
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 84 of 101
799.
Pl ntf r alegesand afim seach and ever pr ai if e- l fr y ecedi par aph oft s ng agr hi
800.
Law Of i ofDA VI J.STERN P. etal,fl ori pr ecutng a fi ousActon, fces D A. . ied s os i rvol i
ww
know i y,or s ngl houl have know n,ab i to,s 57. 05 Fl St ; d nii ee 1 a. at
KORM AN vAURORA e al t .
w.
St
op Fo
re
clo
W hoever,havi devi ed ori endi t devi e any schem e or ng s nt ng o s arii t def aud,orf obt ni money orpr t by m eans tfce o r or ai ng opery off s orf a al e r udul pr ens r esent i ,orpr i es or ent et es, epr atons om s , unl f us any count f t. .s uriy,orot . .count f t aw ul e er ei . ec t her . er ei ors i ar i e,f t pur pur ous tcl or he pose ofexecutng s s i uch chem e or ari i oratem ptng s t do,pl tf ce t i oo aces i any pos of i . .any n t f ce . m at erort ng w hat t hi evert be s or delver by t Pos al o ent i ed he t Servi . .s lbe fned under t stte ori pr s ce, . hal i hi il m i oned not m or t 20 year ,orbot e han s h.
su re
Fr au d. co
CO UNT XI . X M A IL FR A UD
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 85 of 101
801.
M .RACI RI NE- GAUD Esquie,maied pl ngst Pl ntf dem andi pr t fom r l eadi o ai if ng opery r
Pl ntf w hie r es i A U R OR A ,di s know i y,or s ai if, l epr entng d o ngl houl have know n d A U R O RA i w ihoutr ght tte or i er t, s t i , il nt es ' 802.
MI STY A LLEN BA R N ES E s r K A RO L S.PI quie, ERCE E s r and C A SSA N D RA quie, M .R A CI E- G A U D Esquie m aied pl ngs t t Cour dem a ng pr N RI r l eadi o he t ndi oper y f om t r Pl ntf w hie r es i A U R OR A ,di s know i y,or s ai if, l epr entng d o ngl houl have know n d
803.
and TH EO D O R E SCH U LTZ , as Cer iyi O f i s ofM ER S( t cr e coj abl & o eat or e tf ng f cer
ww
KORM AN vAURORA e a. tl
w.
St
op Fo
re
Page184 of205
clo
su re
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 86 of 101
you wilmakeae afo dabl mont ypa nt onyourmorgagel A rag a l w, f r e hl yme s t oan f
807.
paym ent on your m ort s gage l oan. . 'asPl ntf s M or gage Loa i aleged t be i .' ai if t n s l o n
def ul,accept nce ofpaym entt r wavesdef t wher a t a he eon aul; eas,
808.
809.
CEO TOM W l r
ww
l e e tt rt , goi..wewil r nt r s heeo'er <. lpe mane l lll yyourmorga lan-'saf le nty zt##' t ge o 'i as
sat entoff tasAURORA ca notmodiy t whi i doesnotown;ass t em ac n f hat ch t uch,
KORM AN v AURORA e al t .
w.
St
op Fo
re
Page 1 of205 85
clo
su re
Fr au d. co
i ist poses t c pa t t modiyPli ifsM orga - nf af e;* t i, mple o s s he a ciy o f antf t ge Loa or e A Wr f
805.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 87 of 101
811.
capaciy t enf ce Pl ntf sM ort t o or ai i f gageLoan,as s uch,A U R O R A i r l usi t s ealy ng he m ai i atem ptng t decei Pl ntf i o r cont actng anew ,t stm e w ih ln t i o ve ai i f nt e- r i hi i t
81 2.
81 3.
H A M P pr am i out de t purvi ofA U R O RA t adm i s er ogr s si he ew o ni t ; H A M P hasnot ng t do w ih A U R O RA ,out i ofA U R O R A actng i hi o t sde i n
capaciy of a governm entagentof erng a benef ci pr am i as i t nce t t t f i i al ogr n s s a o he Bor ow er as t aleged Ser cer ofs d debt but r , he l vi ai ; , 814. A U R O RA has appear i C our as t Realpar y-n- nt es ,t i i ed n t he - t i l er t w ce, n
MI STY A LLEN B A RN ES Es r K AR O L S.PI CE Esquie,and C A SSA N D R A M . quie, ER r RA C I E- G A U D E s r att diecton ofA U RO RA have com m it an A ct or A ct N RI quie, he r i ted , s
ww
ofM ai Fr l aud.
KORMAN vAURORA e a. tl
w.
St
op Fo
re
clo
Page186 of205
su re
A U R O RA diecty;as r l ,
Fr au d. co
Pli ifi oa tng i s h ama ra t ca efna i ha m t Pli if un usl antf nt c i n uc nne s o us i ncal r o antf, j ty
81 0.
sae nts f ttme t ) ound i d hi tN'he eo atc d,i a atmptt i n t bi ' r t ta he s n te Ex o nduce
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 88 of 101
818.
81 9.
is dut and pr t y oper y i ii is ft Pl ntf as Ser cer i a r es atve capaciy' l dentt es t el o ai if vi , n epr ent i t,
820.
any due dii lgence by eiher1 Fim ,handlng eiher case above w oul have t aw r i t d
ww
w.
St
W H EREFO RE,PREM ISES CON SIDERED ;Pl ntf di st sCour f ent of ai if rect hi t or ry
op Fo
re
clo
know A U R OR A i t Servi oft aleged debt nott R eal pa y-n- nt es ;al s he cer he l , he - rt i l er t so,
su re
Fr au d. co
H A M P and non- l M p applcaton doc ent r lA i i um s, eques i Pl ntf t f l outt For s tng ai if o il he m
81 6.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 89 of 101
821.
Pl ntf r aleges and af i m s each and ever pr ai i f e- l fr y ecedi par aph oft s ng agr hi
year orbot s, h.
823.
i l nfuenci orhas a ur t ng, t nat al endency' ofi l ' nfuenci To com m i w i e f aud,one m us ng. t r r t
ww
ba i ofamae ilr pr e ai a ( doi wih t i e t de r ud,a ( doi ss tra e es ntton, nd 2) t t he ntnt o fa nd 3) t t ought us ofi e saewief clte (. tlc hr he e ntrt t r a iiis ie.ee ommuni tonsofa ki . cai ny nd)
KORM AN vAURORA e a. tl Page188 of205
w.
St
op Fo
re
clo
W hoever havi devi ed or i endi t devi e any s , ng s nt ng o s chem e or a i i t def aud,orf obt ni m oney orpr rtf ce o r or ai ng oper y by m ea t ns offal e or f audul pr ens ,r pr ent i ,or pr i es, s r ent et es e es atons om s t ans is orcaus t be t ans it by m eans ofw ie,r o,or r m t es o r m ted r adi t evi i com m uni i i i er t e orf ei com m er el son caton n nt s at or gn ce, any wrii ,s gns,s gnal pi ur ors tngs i i s, ct es, oundsf t pup os or he e ofexecutng s s i uch chem e or a i i s lbe fned undert s rtfce, hal i hi tte or i pr s il m i oned notm or t 20 years or bot l t e han , h. f he vi aton af ect a fnanci i tm ton,s per s lbe ol i f s i al ns i i uch son hal
su re
Fr au d. co
CO UN T XX . W IR E FR AU D
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 90 of 101
Col a de ndi mone i leuofpr ryf e l ur i whih AURORA ha no ordo) ma ng yni ope t or cos e,n- c s
l l cogni e enf ceabl r ght i W ie Fr egaly zabl or e i , s r aud;
825.
W HEREFORE, PREM I CONSI SES DERED; antf diecst sCour f e r ofj Pli if r t hi t or nty udgme nt
agai tA U R O RA ,CEO TO M m N D ofA U R O RA w ih,orw ihouti put know l ns t t m ed edge,
ww
KORM AN vAURORA e a . tl
w.
St
op Fo
re
clo
Page 1 of205 89
su re
Fr au d. co
i t Aci a co tntyt e ni Pli iffom wihoutt ssae( tlt n wo tons nd nsa l elpho ng antf r t hi tt Liteon
824.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 91 of 101
827.
Pl ntf r alegesand af im spar aph 177 t ough and i udi ai if e- l fr agr hr ncl ng
par aph 231oft sCompl ntand i por e s e her asi aleged anew. agr hi ai ncor at am e f l
828.
M ERSCORP wascr ed by t banki i ty t f lt e s ii i eat he ng ndusr o aciiat ecurtzaton; t us us o ki t t e M ERSCO R P and M ER S* w er cr ed w ih dol m al , t s r s at e eat
830. 831.
M ERS*and M ERSCORP ar f ei t t St t ofFl i e or gn o he a e orda; The s e s ehol of= RS* i M ERSCORP; ol har der s
D EFEN D A N T etal j nty a s ve al ei rc e t M ERS#, s ( or uppor ., oi l nd e r ly t r aed he t
832.
smia l st td,a a ongoi c i lry iuae s n ng onupte e prs i ope ai ov rtn ( 0)y r ;a ntr ie,n r ton e e 1 ea s nd,
833.
ww
pr opert wih,orwihoutact pos es i usi prvat y hel Superor Knowl y, t t ual s son, ng i el d i edge;
KORM AN vAURORA e a . /l
w.
St
M ERS*ha r c i d mor t nFi M ilon ( 000, 00)i g os s e eve e ha ve- li $5, 000. n r s
op Fo
re
clo
su re
829.
Fr au d. co
CO UNT XXI. M ERSO RACK ETEER INFLUEN CED AND CO RRW T O RG ANIZATI N O
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 92 of 101
Fit rhous nd ( 50, 00) i notf dic r ofs ir gulrt byt I fyr a $1 000. ,f or s ove y ome re a iy he RS;
836.
017057,For os epr ecl ur oceedi coul notcom m ence agai tt sPl ntf ; ng d ns hi ai if
837.
838.
C l k oft C our w ih t i entof deprvi Pl ntf ofpr er he t t he nt i ng ai if oper y,f t ounded excl vel usi y on t M ER S*A s i ent he s gnm . 839.
ww
KORM AN v AURORA e a . tl
w.
St
bei ol e wih 50% o lr sdendalmorgage i t c m, nv v d t fal e i t s n he ount t i r as e hat s e on noughfort sCour t t n ablnd e t t hi t o ur i ye o hefac t
t t sproces doesnotcompl wih t l ' hat hi s y t he aw.'
T cf l6o le fo? fRul 2sat t T A' s latal dm e c y e t es hat M RS hal l s ompl wih t i tuc t he nsr donso hehol ro ft de fmorga l pr sor t ge oan omis y not n butt sdoesnotc fe any s @ cpowe oraut iy t es' hi on r pec r hort o
M ERS'* '
op Fo
re
clo
Page 1 o 205 91 f
su re
Fr au d. co
CI - SK A M P /V I N A C ,A U R OM V RY TU
835.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 93 of 101
r / i l/l mus bec eafozJl t ommitd t wrfzg b a iahon o he te o ffl y pplc ft sat eo auds' t ut ffr ' .
840
.
The Honor e J abl udge Gr man wenton t s t t m ember hi oss o ay, hat he s p
agr eementwas tenough t Assgn t M orgage and t t do so t l n' o i he t hat o he enderwoul have d
t gi pow erofatom ey or s m iaraut iy t M ER SO. o ve t i l hor t o
841.
er ed o t horzed t pur es,and has onl t e pow er w hi ar conf r t i and aut i by is pos y hos s ch e pl pal inci ;
842.
t ecos and s l t Pr pe t and ( t t any ac r quie o Lende ofor l e el he o ry; B) o ake don e r d f r
t -' i udi butnotlm ied f rel ng and cancelng t sSecuri.y Ins rum ent' ncl ng, i t G easi i hi f
how ever ,
OF RI GHTS I TI E PROPERTY' and i f aly an acknowl N I ' s aci l edgm entby t Bor ow er he r ;
ww
KORMAN vAURORA e a. tl
w.
St
843.
op Fo
re
rght;( t e r ieany oral o hos i e e t,i l ng,butnotlmie t t rght i 'A) o xe cs l ft e ntr ss nc udi i td o, he i
clo
Page 1 of205 92
su re
Fr au d. co
* c eM ERS' me r ,t be fcalnothol r,pur td * aus Be S mbe s he ne i e de s pore t be t u M ERS i e e t i r al o ry sf i t o sow pon ntr ss n e pr pe t ufcent o
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 94 of 101
< RS@.
845.
sandi butwhet t orgi Lender who i notbef e t Cour,act l t ng, her he i nal , s or he t ualy
ta f r isrght tte and i er tt AURORA ,whiei Bankm pt f t mor r ns ered t i , il nt es o l n cy; urher e,
Acceptng M ERS' poston t t Lender acknowl i * ii hat he edgesM ERS' O
846.
aut iy t exer s any or a1 oft Lenders'r ght under t M ort hor t o ci e l he i s he gage,t M ort he gage
848.
i udi butnotlm ied t r easng and cancelng t sSeclriy Insrum ent'i not ncl ng, i t o, el i i hi z f t 's
geti t M or gagee' explci aut iy f t partcul A s gnm ent i w rtng. tng he t s i t hort or he i ar si , n ii
ww
849.
KORM AN vAURORA e al t .
w.
St
s fci t gi t Nomi aut iy t alenat orAssgn aM orgagewihout ufi ent o ve he nee hort o i e i t t
op Fo
re
847.
clo
Page 1 o 205 93 f
su re
Fr au d. co
t Lenderhasno bearng on wha s fc pow er and aut iy t Lendergr ed he i t pecii s hort he ant
844.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 95 of 101
over i ,m anagem ents s ght uper s on and cor a e govem a vi i por t nce,by des gn,i t opi on i n he ni
r our t ens e pr es ces o ur operadm i sra i and delvery ofl nit ton i egaldocum ent s; 852.
r tng r r epori equiement ens i M em ber r d each tansacton,and when t NO TE s urng s ecor r i he
i pur s chas ort ans er ed t a N on-M em ber,asi t case her n,t M ort ed r f r o s he ei he gage m us t
whi i desgned t i entonaly orot wi obf ch s i o nt i l her se uscat t i iy oft Realparye he dentt he - t i l er t wher s ii i coul t pl undert r n-nt es , eby ecurtzaton d ake ace he adar.
orunde mi t j cilpr e sor/a t a nita i ofj tc t c or t r ne he udi a oc s nd he dmi sr ton usie,he op ae f m wilbedir r a t s r hol r a es j c t t i ii ofi vi or l segaded nd he ha e de s r ub e t o he mposton ndi dual
ww
lalii). i llt?
KORM AN vAURORA e a . tl
w.
St
855.
W her a cop or e entt i cr ed f af audul pur e,ort s age e at iy s eat or r ent pos o abot
op Fo
854.
re
clo
853.
Thi l ofcor at govem a and s vii haspr ded AURORA s ack por e nce uper son ovi
Pag 19 of205 e 4
su re
Fr au d. co
850.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 96 of 101
is f,once i hasbeen es a ihed t tt s tel t t bls ha he cheme i oft t pr crbed by RI s he ype os i CO. Fort ss hi cheme t qualf asR.. O .t m ai orw iesm us have been o iy IC. he l r t
857.
ij y.SeeBrdeev. n ur i Phoe xBond &l m niv Co.1 S.Ct 21 ( ni nde t ,28 . 31 2008) .
f LEH M A N B RO TH ERS BA N K FSB afer Sept ember15t 2008 and up t a year h o or t pror;awar Pl ntf t f val oft NOTE i tebl or/and awar Pl ntf i d ai if he ace ue he n r e, d ai if
colec ed t Gr or orHei oft esa e.wih cossand f i an am ountTreroff l t o ant , r he t t t t ees, n i act
ww
KORM AN vAURORA e al t .
w.
dam ages,or/and punii dam ages Or AURORA t r um al t r paym ent tve ; der o et 1 he ent s
St
op Fo
re
clo
Page 1 of205 95
su re
Fr au d. co
856.
The CRI vi aton' by whi apl ntf hass a ng i t s C CO ol i ' ch ai if t ndi s he cheme
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 97 of 101
858.
859.
AURORA sever l m ade m any of er t M odiy' Pl ntf sM orgage- n; aly f sof f ' ai if t Loa
known,t can notm odiy t whi t do notown,norposs s; hey f hat ch hey es 861. l ii s f t s hown AU RORA di notl l ow n,hol orpos es sai NOTEd egaly d s s d
M orgage ab i to,t Pl ntf i bei Fr t nii hen ai if s ng audul l l enty nduced i o actng i s a nt i n uch
ma rast c us Pli iffna ilij y, l unusl e c ng AURORA; nne o a e antf i nca n ur whie j ty mi hi
862. A U R O R A know s,ors houl have know n,i w asnevert R eal pary-nd t he - t i
l er t,s a,and ass nt es upr uch,t becom et Realpm y-n-nt es m us acquie o he i l er t t r Pl ntf saccept ai if' ance,byway oft inew- ,'undert guieofLoa M odii ton; he deal' he s nfca i
863.
m i si , s ng-
865.
ww
KORM AN vAURORA e al f .
w.
864.
St
Orgi Lenderi LEHM AN BROTHERS BANK FSB,i Ba i nal s n nknx cy; pt l i notl l pos bl t m odiy Pl ntf spr entM orgagets egaly si e o f ai if es t Loan,and
op Fo
re
clo
Page196 of205
su re
860.
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 98 of 101
867.
870.
87 1.
and s ar anew . t t
872.
ww
KORM AN vAURORA e a. tl
w.
M odii ton,f am ont y f whie AURORA i tgat elgi lt fca i or hl ee, l nvesi es i biiy;
St
A U R OR A has f ound a pr i cent ,s lng t il on ofM ort oft er eli he lusi gageLoan
op Fo
re
clo
( 0. i sme ,6* andot good and v u ec nsde aton'. $1 00) nve t nt 4 @ @ her alabl o i r i ' ;
Page197 of205
su re
Fr au d. co
866.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 99 of 101
t enusand condii and m ake al t m ont y payment on tm edurng t wor out tons l he hl s i i he t kperod' ar deni M ort i ' e ed gage- an M odii i becaus AURORA can notm odiy o fcaton, e f t twhi i doesnotown,norwhi AURORA can acquieon t s ha ch t ch r he econda y mar . r ket
875.
i ' O f i t do equiy,by checki f s bef e actng i a car essand reckl t s f ce, o t ng act or i n el ess
dam ages,or/and punii dam ages;Or AU RO R A t r ur a1 t r paym ent tve der o et n l he ent s
colect t Gr or orHei oft est e,wih cossand f i an amountTreroff l ed o ant , r he at t t ees, n i act
ww
KORM AN vAURORA e al t .
w.
St
op Fo
N OTE,or/and awar Pl ntf act dam ages,com pensat y dam ages,gener d ai if ual or al
re
clo
W H EREFO RE,PREM ISES CON SIDERED ;Pl ntf diect t sCour f enty of ai if r s hi t or r
Page 1 of205 98
su re
Fr au d. co
874.
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 100 of 101
876.
Pl ntf r alegesand afim seach and ever pr ai if e- l fr y ecedi par aph oft s ng agr hi
Compl ntand i por t s eher asi aleged a . ai ncor ae am e f l new AURORA ,CE0 TOM W l o
877.
vi ae j 81 545Fl Stt, orga Fr udbye utngt n flng aknowi y oltd 7. a. a .M t ge a xec i he ii ngl
f audul docum enti Pal Beach Count whie i ved i t m orgage l ng r ent n m y, l nvol n he t endi
bus nes a f ony oft t r degr i s, el he hi d ee; 878.
whe t lndi pr e exc e One lundr d- ous nd( 00, 00) n he e ng oc eds e d -l e n a $1 000. ,
clo
88 0.
881.
St
ww
831. Fl St . 06 a. at
KORMAN vAURORA e a. tl
w.
op Fo
879.
re
Page199 of205
su re
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-2 Entered on FLSD Docket 10/19/2011 Page 101 of 101
Res uto De rme ,oi l ors ve al ma knowi yfa e sae nt i ol in pa t ntj nty, e r ly de ngl r udulnt ttme s n
c ti vi ain ofj81 1 Fl Stt,nCa eNO.0 8 our n olto 7.55 a. a.i s 7- 0998- VCl RYSKAM P/
VI NAC. TU
ww
KORM AN vAURORA e al / .
w.
St
op Fo
re
clo
mor o pr me t e an t i et e iebankr ptypr e s e fa e diatdpl o gnor he ntr u c oc s . I i alopar o t s s t fape asv pate n o hianey, aud,/sley; rv i e tr fc e r fr rr r decei, doubl- alng andj t ai ol fas one i e c t ede i us pl n d- hi d l gal onduc., l t
.. .
Page200 of205
su re
88 3.
aTheabus o hemorgages rvc r hav be n des rbe b many es ft t e ie s e e ci d y knowld abl c e ge e omme at sas' e c/ y morgages rvcng.' nt or /r # /r t e ii ' Thi tr doesnotdoj dcet t c r nt ac e o he e sem us o he ur e pr dc s ft s
Fr au d. co
882.
884.
M ERs* r ded June 11t 2009,nam i AURORA asA s gnee,i Sl ecor h ng si s anderof
886.
W H EREFO RE,PREM ISES CO NSI DEQED ;Pl ntf diect t sCour f enty of ai if r s hi t or r
ww
KORM AN vAURORA e a . fl
w.
St
op Fo
re
clo
Page201of205
su re
Fr au d. co
887.
Pl ntf r alegesand af im seach and ever pr ai if e- l fr y ecedi par aph oft s ng agr hi
888.
Es r M I BARNES Es r ace j nty ors r l u rdie ton of quie, STY quie, td oi l evealy, nde r ci
A U R OR A ,com m enced a A cton t f ecl on Pl ntf spr n i o or ose ai if opert i a f s C l m . y s al e ai
891.
ww
f e l ur onPl ntf ofe t i e iy ofourAme i n s tm ofj tc or cos e ai if fnds he ntgrt rca yse usie.
KORM AN vAURORA e a . fl Page202 of205
w.
890.
St
par egal al s;
The clentm us beadvied,questoned and cons t i t s i uled; The t houghtes m echani em pl entofa comput - i Atom ey, l s cal oym erdrven t
op Fo
re
clo
su re
Fr au d. co
ww
w.
St
KORMAN vAURORA e al / .
op Fo
re
clo
su re
Fr au d. co
W H EREFO RE,PREM ISES CONSI ERED ,Pl ntf diect t sCour f enty of D ai if r s hi t or r
892.
Contoli D ocum ent f l wih t Securii and Exchange r lngs ied t he tes
Com m i on m ake pr si t ei f t Ser cerort Trust t m ake each ssi ovi on her n or he vi he ee o
m ont y M or gage paym entt each i hl t o nvest w het ornotpaym enti r ved or her s ecei f om t H om e- w ner. r he o
he f/fcpcr. oblge t pa t i tume ,and (i t ape s ct . f i d o y he nsr nt y i) o r on e ild t e for et i tum e .Tot e e o hepa nt t ntte o n c he nsr nt he xtnt ft yme , he
894.
Esquie asSanctons ar i O r agai ts d Es r f lng orm ai ai ng a f i ous r i e n der ns ai quies, ii nt ni r vol A cton,f f lng a f s cl m ,aw ar Pl ntf cos s and f ,i an am ount ' off i or ii al e ai d ai i f t ees n er act
ww
w.
St
op Fo
re
clo
su re
893.
Unior Comme calCode3- a) saes i r e ntpar; f m ri 602( , t t , n elva t ( ..an i tume i dt t e e pa nti zl e()#yoron b) . nsr nt spai o he xt nt yme s ze i .
KORM AN vAURORA e a . tl
Page204 o 205 f
Fr au d. co
HN KORM AN
JURAT
Swom t ( ra fr d)a s c i dbe o emet s lk da ofto olix , o o fime nd ubs rbe f r hi t *3 y 7 A o . 2011; by JOH N K OR M A N ,w ho i eiherper onaly know n,orpr s t s l oved t be t per on o he s
pers acknowl on edged t heexecut s d i tum entf t pur est ei hat ed ai nsr or he pos her n
cont ned as hi f ee and vol ar actand deed. ai sr unt y
St
op Fo
re
clo
named i and who execut t f egoi i tum ent and bei fr tdul swor s n ed he or ng nsr , ng is y n, uch
. w
W .. .
. .. .
w.
ww
' ' F
'-. )c
N O TA R Y Pr nt N am e i ed
su re
.
1 !? / o/ //
bATE
K ' I NB E A S R K X VA R ND X U MI N MY COMMI I #EE1 40 SS ON 3l N ,.' E nRS1$2-21. . X IF:u 9.-4c. Ps- .- .0 ,. ' 'oM' W '' S
KORM AN vAURORA e a . /l
Page205 of205
Fr au d. co
.
Stt ofFlrda ae oi
Banker' Accept sance banker' accept s ance.A bilofexchange dr l awn on and accept by a com m e albnnk. ed rci Bankersaccept ' ancesar ofen is t fnance t s e ofgoodsi i em atonaltade. e t s ued o i he al n nt i r
-
Abbr BA. Alotr d ba a c ptnc ( e :Ba a Ba ng 1 Bil . - s e me nk c e a e. Cas s nks nd nki 89; ls a Noes1 .C. S. nksa Ba ng jj452nd t 51 J. Ba nd nki 458; lsa Not ;Lete sof Bil nd es tr Cr di j 1 . Blc sLa Ditona y( hed.200 pg36. e t 311 a k' w ci r 8t 4)
B ankrupt R em ot cy e; entt A busi s entt f m ed i a m anner des gned t m i m i nes iy or n i o ni ze bn nknz cy- em ot pt r e iy. or n pt e. iy' gani i t t r s ofbecom i adebt i abanknl cy cas *The entt sor zatonalcharer he i k ng us r r atl tone i u. equies eas ndependentdiect t be appoi ed,aswel asa unani ous r or o nt l m vot by t entt sdiect s,bef e abanknz cy petton m ay be fl '' busnes i e he iy' r or or pt ii ied.lhe i s s us a s alpur e entt esabls t peror lm ied f i u. peci - pos iy t ihed o f m i t unctons,s ast uch o pur chaseand hol account r va e orot fnanci as et t gener er d s ecei bl her i al s s hat at evenue.l t alo hasonl oneoraf prm ar cr t ,t r s y ew i y ediors o educe t lkelhood ofan i unt r he i i nvol a y banknz cy.A banknpt r ot entt wils etm esisue s ii i t of pt cy-em e iy l om i s ecurtes nsead r vi al f om a fnanci i tt i See SI ecei ng oan r i al nsiuton. NGLEPURPOSE PROJ ECT;
Bankrupt Trus ee; cyt Banknl cy.A per appoi ed by t U . Tr t orel ed by cr t sor pt son nt he S. usee ect edior
a n e byaj get a nitrt ba ptyesaed i aba pty c e. ppoit d ud o dmi se he nknl c tt urng nknz c as
n- c is <<s hwa r e , be fcir ( n- c >>-ih-e-re orbe <<s hwo >- h- c >>- e ) ne i a y be <<s hwa fs e e - e
i ed o i n. A per on f whos beneftpr 1. s or e i opert i hel i tus ;es ,one des gnat t benef t y s d n r t p.
ww
t r ve s o ecei omet ng asar ul ofal hi es t egalnr a r ngem entori t ent 2.A per on t nsrum . s o w hom anot i i a fduci y r aton,whet t r aton i one of agency, her s n i ar el i her he el i s guar ans p,ort s .3.A per on who i i taly entted t enf ce apr ie,whet di hi nlt s s nii l il o or om s her
w.
St
Benel i k ary;
op Fo
re
SPECI PURPOSE ENTI prj tfna i unde FI ALTY; oec i ncng r NANCI NG. Bl k' La Ditonay ( t e 2004)sa tng @ pg444. ac s w c i r 8h d. tri
clo
su re
Fr au d. co
Denned Term s,t f l ng capialzed t m ss lhave t f l ng m eani he olowi ti er hal he olowi ng;
The book ent y' f m ofow ner hi alow s you t ow n s ii w ihouta cer i i e. r ' or s p l o ecur tes t tfcat St i di ecti t entpl Tr ur s ii pur has di ecty f om t U . ock n r nves m ans, eas y ecur tes c ed r l r he S. D eparm entoft Tr ur and r t he eas y, ecenty i ued m uni palbonds ar hel i book ent y l ss ci e dn r f m .s ce S. C . or our E.
Cl i Tabl osnge;
ta acton i cons m at es ,i r esat t fnaltans i bet r ns i s um ed; p. n eal t e, he i r acton ween t buyer he and s l ,w her t conveyanci docum ent ar concl eler eby he ng s e uded and t m oney and he
ww
KORM AN v AURORA e al t .
w.
pr pe t ta f red. Alotr d s tlme .( r ,ihetbl,' dde o ry r nser - s e me ete nt wo ds a e'a dl t Blc sLa Dito r ( t e 2004)pg 769. a k' w c ina y 8h d.
St
cosng. fna meei be we nt pa te t ata a ton,(hetblla whih t l i The i l tng t e he ris o rns c i t a e t c he
op Fo
Cl ng Docum ent osi s; The docum ent w hi ar s gned atcl i Thes i ude:t D eed ofTnl tor s ch e i os ng. e ncl he s M or gage w ih atachm ent Pr i or N ot Tnzh-nt t t s, om ss y e, t i Lendi D i cl i and ot ng s os ng, her docum ent r at t t t ans i s el ed o he r acton.
re
clo
Chai ofTil n- - te; The ow ner hi hi t y ofa pi of l s p s or ece and,f om is fr tow nert t pr entone.r t is o he es A l o t m ed lne oftte;s r ng oftte.2.The owners p hi t y ofcom m er alpaper s er i il t i il hi s or ci , t aceabl t ough t i r e hr he ndor em ent *Fort hol t have good tte,ever pr or s s. he der o il y i negotaton m us have been pr ii t oper l a neces ar i .f s y ndor em enti m i i or f ged,t s s ss ng or he chai oftte i br n il s oken and no l ert ans er can becom e a hol . at r f ee der
su re
Fr au d. co
ownerhi ofpublcl taded s ii wher acusom erofabr agef11 s p iy r ecurtes eby t oker 111 r ves confr atons oft ans i and m ont y s at ent ,butnots ock ecei im i r actons hl t em s t
Com m erci alDraf ; t D em and f paym ent or . Dr tsgned by one pary t diect a s af i t hat r s econd pary t pay a cerai amountt at r t o tn o hid par y. t
Cons iutonalcom m on-aw -r> t tt i l t ; A pur Tr ti non- t ut d e us s s at ory.The Cour hol t t Tr ti cr ed undert r m t ds hat he us s eat he eal ofequiy undercom m on l and i not .cr ed by l sl tve aut iy.' t aw s . . eat egi a i hor t ' Cr okerv.M accl 649 US Supp 39. oy, Cont ; ract cont actn. A n agr entbet een t o orm or par i cr i oblgatons t a e r , l. eem w w e tes eatng i i hat r
cont acti vald i vald undert 1 oft r dence oft part w i hi t enf ce r s i f i he aw he esi he y s ng o or
POS S. . SeS ..
.lhefac t abu i s tus i notr gar dasa lgaldn// ditnct om istuse s . t hat sne s r t s e de e y si fr t r te , (' tuetus.. y r s ti t sadv aget t tus,whiha c /J r r'# t.ma e ul n hi ant o he r t c omor i doe not aton s
.
ww
Cont lngroli Docum ent s; I udes,butnotlm ied t Poolng a Servi ng A gr ent Tr tA gr ent ncl i t o; i nd ci eem , us eem , Pr pect ,Pr pect Suppl ent Cusodi Agr ent DepostAgr ent M ast os us os us em , t al eem , i eem , er Pur chasi Agr ent l uerAgr ent Com m im entt Guar ee Agr ent ng eem , ss eem , t o ant eem , R el e ofD ocum entA gr ent Ser ci A gr ent M as erA gr entf eas eem , vi ng eem , t eem or
w.
St
op Fo
re
clo
e or e bl orot r s r c z bl a lw <abi ng c r c >.( e :Conta t 1 nf c a e he wie e ogni a e t a ndi onta t Cas s rcs . C. S. J. Conta t jj2, 1 12. wrtngt ts t f t s h a a e me <a r cs 9, 2. The ii ha e s orh uc n gr e nt
Page20# of225
su re
Fr au d. co
Com put Book- ry- t ; erEnt sys em The Com put - ook- r sys em i a m uli t i aut at s t f pur er B Ent y- t s ts or ed om ed ys em or chasi ng, hol ng,and t ans er i m ar abl s ii exi t as a delver vers paym ent di r f rng ket e ecur tes; s s i y us s t t pr desf t s m ulaneoust ans erof s ites agai t s tem entof ys em hat ovi or he i t r f ecul i nst he etl fm ds. t
c pusl tn t or .Lai s body' 1. pr ryf whih at se i r s nsbl t tus ' The ope t or c nzte s e po i e;he r t q
prnci . A lo t i pal s ermed r tts es ae;tus fm d;tus pr t t tr es; rlt t t r t t r t opery; rus es;
tus.( e :Tr ss1 C.. Tr ra Co ri jj 1 1 8. Z. NCI r t Cas s u t . JS. ove nd nve son -9, 4-1 1 PRI PAL Blc sLa Ditona y( t ed.2 a k' w ci r 8h 004)pg 1 040.
Cu slpNum ber; CUSI s a f Com m it on Uniorm Securii I P t nds or t ee f tes dent caton Procedures.A m i CU SI num beri ntfesm os s urtes,i udi socksofal r ser U . a P de ii t ec ii ncl ng: t 1 egit ed S. nd Canadi compani and U . govem m entand muni palbonds.The CUSI s eman es, S. ci P yst owned by t Am ercan Banker A s oci i and oper ed by St he i s s aton at andar & Poor'd s f lt est cl i a setl entpr sofs ii Sour S. C. aciiat he earng nd tem oces ecurtes. ce E.
D ebtM oney; DebtM oney i fatmoney cr ed by Banks,backed by t f lf t oft govem m ent si eat he ul aih he pr cat on t edi ed axpayer payi t rt s ng hei axes. ebt'i notm oney asenvii r 's soned wihi t Consiuton f t Unied St esof t n he tt i or he t at A merca.I t i nsead,i' a char agai tf ur money.Buteven t ts ge ns ut e hough i' a char ts ge agai tf ur m oney,i can s ilbe s ns ut e t tl pentas i i w as t ft oday' m oney -exceptt i m us s hat t t be r d w ih i er t A nd t ef e debtm us have s e sol ofa bal epai t nt es . her or t om ' t anced r atons p t t t alsze oft econom y -al tt f ur econom y -f i nott be el i hi o he ot i he bei he ut e or t o des a lzi t bii ng.
D eposi - ccount tA ; depostaccount SeeA CCOUN T;deposi account A dem and,tm e,s ngs,pas book, i . t . i avi s or s m iaraccountm ai ai w ih a bnnk,savi and-oa as oci ton,cr tuni i l nt ned t ngs- l n s a i edi on, orlkeor zaton,ot t i t entpr t oran accountevi i gani i her han nvesm opery denced by an
ww
D oubl Di ng; e- ppi doubl di ng,n.An actofseeki oracceptng es i l t s ebeneftt i e- ppi ng i sentaly he am i w ce, eiher f om t s e s ce orf om t di f ents ces. . t r he am our r wo f er our .
KORM AN vAURORA e a. tl
w.
St
i t me . nsru nt UCC j9- 02()29) - Abbr D. ( s s Ba a Ba ng 1 1 a( . . A. Ca e : nks nd nki 51) Buidi a Loa Aso-itons40. JS. nksa Ba ng jj266-2 277-278; l ng nd n s cai C.. Ba nd nki 68, Buidi a Loa As ocai , vi a Loa As ocai , ndCr tUninsj l ng nd n s itons Sa ngs nd n s itons a edi o j 66, 71 )Bl k' La Ditonay ( t e 200 pg 52. 68, -79. ac s w c i r 8h d. 4)
op Fo
re
clo
Page 2 of22 09 5
su re
Fr au d. co
Corpus;
Servi sPrnci a l er tCusodi Account Servi sEs ow Cusodi cer' i pal nd nt es t al , cer' cr t al AccountAgr eement Rel e ofl er tAgr , eas nt es eement Tr t A gr , usee eement 8- or 1 K. , K 0-
Draf t
a ot rcel( c ny he l or ombi ton ofc ls e c tmea celi updaed.Spr ds e sae nai el) a h i ny l s t ea he t r
account.
ww
w.
C l si exam pl ofa negatve ext nalt poluton,gener ed by som e pr as c e i er iy: l i at oductve i ent prs and afectng ot swho had no choi and waspr bl nott er ie, f i her ce oba y aken i o nt
St
E xt ernalt iy; A n ext alt i an ef ectofa pur em iy s f chas orus deci i by one s ofpar i on ot s e e s on et tes her w ho di nothave a choi and w hos i er t w er nott ken i o accot t d ce e nt es s e a nt m .
op Fo
Entt Ass pton iy um i entt ass pton.The pr um pton t a bus ness i a uni s iy um i es i hat i s t epar e f om is ow ners at r t a f om ot f r s ( s s Cop ortons1. C. S. nd r her i m . Ca e : ai 3. J. Cop or tonsj8. Bl c , gt ai ! aks h
re
clo
fequenty us f fna ali or i beca e oft rabiiy t r cal at t r l ed or i nci nf maton us hei lt o e- cul e he entr s ie heetaut omatcaly afera change t asi e cel i m ade.A ps i l t o ngl l s eudo t r hid di enson t t m ati i s etm es appled as anot l m i o he r x s om i i her ayer,or l ayers s s,oft o/ heet w di ensonaldat W i pedi m i a. ki A
su re
El roni spreadect csheet ; El r c m eansr atng t t m ol havi el rcal di t ,m agnetc,w iel , ect oni el i o ecl ogy ng ect i , gial i r ess optcal el r agnetc,orsi iarcapabiii i , ectom i m l ltes. A s eads pr heeti a com put applcaton t s m ul esa paper accountng w or heet l s er i i hat i at , i ks . t dipl muli e celsus l i a t di s ays tpl l ualy n wo- mensonalm arx orgrd consitng ofr i ti i si ows and col umns.Each cel cont nsal l ai phanum erc t ,numerc val orf i ext i ues ormul as. A f ul def neshow t cont oft cel i t be cal at f om t cont s of orm a i he ent hat l s o cul ed r he ent
Fr au d. co
dr f, l An unc tona wrte or rsgne byonepe s (hedr we )die tng a tn.. ondii l itn de i d r on t a r r ci a he pe s (hedr we orpa )t pa ac ran s ofmone on de nd ora a not r ron t a e yor o y e ti um y ma t defnietmet at r pe s (hepa e)ort bea e .*A c c i t mos c i t i o hid ron t ye o rr he k s he t ommon e mpl ofadr f. Alotr dbilofe ha lte o e ha .Cf NOTE( ) xa e a t- s e me l xc nge;etr f xc nge . 1. ( es Ba a Ba ng 1 1 9;Bil a Nots1 Cas : nks nd nki 37, 8 ls nd e -27.C. S. nksa Ba ng J. Ba nd nki jj328, 330, 458; lsa Not ; te sofCr di jj2 8 0,1 452Bil nd es Letr e t -6, -1 2-22,203 4, -20 250.Blc sLa Ditona y ( t ed. 4)pg 1 6. ) a k' w ci r 8h 200 49
bea e on dema a a e i s d i de rr nd. nd r s ue n nomi tonsof$1, $5, 0,$20, na i $2, $1 $50, 00, $1 $5 $1000, 000, nd$1 000.Blc sLa Ditona y ( t e 2004)pg 1 00, , $5, a 0, a k' w c i r 8h d. 828.
Fi ii E nt t ct tous- iy;
fciius a j Ofo r ai t afci e p.alga fcin, a k' La Dito r ( h itto , d . r eltng o iton, s e l ito Blc s w cina y 8t e 200 pg 1 60;e iy, or nia i (uc a abusne soragove me a uni) d. 4) 8 ntt An ga z ton s h s i s m ntl t
t thas a l ha egali iy apar f om is m em ber . dentt tr t s
num ber ofper ons t f m s an ass aton.Such ass atons m ay gener l be s o or uch oci i oci i aly f m ed f a com m on pup os For ed f om w ihoutt bor s oft s s at or or e. m r t he der hi t e.
Forwardcont ; ract The t m df w ar cont act 'm eans er tor d r ' A n i or alagr entt aded t ough a br - ernet or t buy and s ls f ed nf m eem r hr oker deal w k o el pecii as et ,t caly cur ency,ata s fed prce ata cer ai f ur dat See W i pedi s s ypi l r pecii i t n ut e e. ki a.
a he , whih e t orp i polc f bi a bengt a he ' prj c a a t not r or c quiy ublc iy or ds s i o not rs eudie; s c s
i vi aton oft us a conf dence.Thi i ofen caled consm ctve,l ,or equiabl n ol i r t nd i ss t l t i egal t e
ww
fa orfa i eq t 'Enc ope aofCrmi ogy 1 ( r n C. n m & r ud, r ud n uiy. ' ycl di i nol 75 Veno Br nha Sa lB. as e . 1 49) sv.Tr ud.' mue Kut h ds, 9 , . E a ' Blc sLa Ditona y( h e 2004)pg 1 a k' w ci r 8t d. 950.
KORM AN v AURORA e al f .
w.
St
Fraud- pon- he- ourt u t c ; El equiy l t t f aud hasa wi s e,and i udesal act om i i or in t aw he erm r der ens ncl 1 s, ssons, conceal ent by w hi one per on obt ns an advant agai tcons ence over m s ch s ai age ns ci
op Fo
re
clo
Forei U ni gn ncorporat A s aton; ed- soci i U ni ncom or ed ass aton i a gr ofpers s as a cl orpart s p w hi i at oci i s oup ons uch ub ner hi ch s notl l i por ed.U s l t e ar no of i alf m altes t f m an egaly ncor at ualy, her e fci or ii o or
su re
Fr au d. co
t m ed s lover;nei er pil ghbor hood ef ect negatve ext alt A n ext alt t ti f . i em iy. em iy ha s det i ent t anot r m al o her,s as w at poluton cr ed by a near f or uch er l i eat by act y. pos tve ext alt A n ext alt t benet s anot ,s as t advant r ved ii em iy. em iy hat it her uch he age ecei by a nei ghbor hood w hen a hom eow neratr i y l capes t pr tactvel ands he oper y. t
mus wih as ca de i;hebn ne d rt nonl a e vae s .Ca es Ba t t pe il post t nk e eur y n qui lnt um ( s : nks a Ba ng75-8 11 C.. Ba a Ba ng jj 1 1 1 -1 2 248, nd nki 0, 9. JS. nks nd nki 61, 72, 75 96, 46, 269 -271 2 276, 284.Blc sLaw Ditona y( he 2004)pg 1 , 74, 279, ) a k' ci r 8t d. 326.
H ard- oney- oan; M L har money.1.Coi money,i contastt papercurency.2 Cas l ulm oney. d ned n r o r h. awf , t pg a1 4. g M oney t ti l t ha s egal enderf t paymentofdebt Bl s8 or he s. ack
H ol i Dueder-ncourse; hol i due cour e.A per on who i good f t hasgi val f a negotabl der n s s n aih ven ue or i e i ttmentt i com pl eand r aron isf nsrl hat s et egul t ace,i notover s due,and,t t o he
pos e s ' knowl dge, snotbe n dihonor d. Unde UCC j 3- 02,ahol i due s s ors e ha e s e . r 3 der n
def es.- Abbr I C;HI ens .O DC.- Al o t m ed s er
ww
KORM AN vAURORA e a . tl
w.
due- our ehol r r e :Bil a N o e 327 c s de . cas s ls nd t s -384.C.. Bil a Not ;Le t r of J S. ls nd es te s Cr t 4, 28, 33, 1 47,1 53,1 1 1 -201. edijj 24, 30, 65, 42-1 49-1 57, 59, 69 1
St
op Fo
st tonsi whi h t de l r nti una ia et t siy.( es Crmi lLaw 41 iua i n c he c a a s va lbl o e tf Cas : i na 9; Evi nc 31 4.C.. Crmi lLa j 8 Evi ncejj227 de e 4-32 JS. i na w 56; de -228,234,259-266, 268 -284, 9, 31 505-506.Blc sLaw Di i r ( t e 200 pg 211 1 a k' ctona y 8h d. 4) 2.
re
clo
H earsay; hear ay r e. nle t no ass ton ofer ast tm ony can ber ved unl si i s ul The l hat eri f ed esi ecei es t s orhasbeen open t t tby cr o es oss exam i i or a opporuniy f cr snaton n t t or os exam i i naton, exceptaspr ded ot w ieby t rul ofevi ovi her s he es dence,by cour nles,orby s aut . t l t t e. The chi r onsf t r e a e t outofcour sat ent am ountng t hea say ar ef eas or he ul r hat - - t t em s i o r e
Page 21 o 225 2 f
su re
Fr au d. co
G eneralD epost i; A ba depostt i t t depost ' cr t t gi ng t depost arghtt t nk i hat s o he iors edi, hus vi he ior i o he m oney and cr i a debt -cr t r a i hi bet n t bank a t depost . eatng or edior eltons p wee he nd he ior A bank i notr r t r um t act m oney depos t as a gener depos t as i s equied o et he ual ied al i, t
ove t ma ge ild ii oft e e p ie.( s s Se urtesRe ai 5.0,252. r he na ra ecsons he ntr rs Ca e : c ii gulton 1 C. S. c iisRe ain jj3, 0,3 381 J. Se urte gulto 9-1 3, -382,38 4-386,392. 1 t( n i sme c r c f pur esoft Se urte Ac mea ac ntac, $Aq nve t nt onta t or pos he c iis t ns o r t
t ans i or s r acton chem e w her a per on i eby s nves shi m oney i a com m on ent pr s and t s n er i e i 1 t expectpr is s el f om t ef or s oft pr ot ora t r par y.. I s ed o oft ol y r he f t he om er hid t .. t embodi a fexi e r hert a satcprnci e,onet i capabl ofa aton t es l bl at han t i i pl hat s e dapt i o m eett countess and var abl s he l i e chem esdevi ed by t e w ho s t us oft s hos eek he e he m oney ofot s on t pr i e ofpr is.'SEC v.H ow ey Co. 328 U . 293,298-99, her he om s oft ' , S.
L ender;
ww
KORM AN v AURORA e al t .
w.
lnde . pe s ore iyfom whih s t ng ( p.money)i bonowed. e r A ron ntt r c omehi es s Blc sLa Ditona y( h e 2 a k' w ci r 8t d. 004)pg 2875.
St
lga tnde . mone ( lsa c ns a ove i ac r f t pa ntof e l e rThe y bil nd oi ) ppr d n ounty or he yme de s t pur ha eofgoods a ot re ha sf vaue. eTENDER ( .( s : bt, he c s , nd he xc nge or l Se 5) Ca es Unie St ts3 C.. UniedSttsj 1 63. td ae 4. JS. t ae j 62-1 1 Blc sLa Ditona y( he 2 a k' w ci r 8t d. 004)sa tng @ pg2626 tri
op Fo
re
clo
su re
Fr au d. co
I nvest ent cont m ract; i t entcont act 1.A cont a i whi m oney i i t i a com m on ent pri nves m r . r ct n ch s nves ed n er se w ih pr ist com e s el f om t ef ort ofot s;an agr entort ans i i t oft o ol y r he f s her eem r acton n w hi a part i t m oney i expect ton ofpr i sder ved f om t ef or s ofa ch y nves s n ai oft i r he f t pr ot orot t r par y. om er her hi d t 2.A t ans i i w hi a i r acton n ch n nves orf i hes i talval or r s ca t t an t um s nii ue i k pial o
L oan; l n. An actofl ng;a gr ofs et ng f t oan, l. endi ant om hi or empor y us <' nergave t ar e rur he t por y us es ,a s ofm oney l a i er t em ar e; p. um ent t nt es . B l , gt page :9:4. ack s h
Anyt ngt ti ge r lya e e a asa r ofvaue(i aNOTE)a ame ur hi ha s ne al cc ptd s t nda d l lke nd as e
M oney; m oney.1.Them edi ofexchange aut i oradopt by a govem m entaspartof um horzed ed is cur ency;es dom es i cur ency <coi and cur ency ar m oneyl. t r p. tc r ns r e 2.As st can be easl convered t cash <dem and deposisar m oney>. set hat iy t o t e 3.Capialt i i t hat s nvest ort aded as a com m odiy < t m oney m ar l. ed r t he ket
-
ww
KORM AN vAURORA e a. /l
w.
t m sofs atansacton.4.Loos y,t l on whi s h a t acton i based.5. er uch r i el he oan ch uc rans i s The m orgagee' rght conf r by s atansacton.6.Loos y,any r - opert t si s er ed uch r i el ealpr y s iy t a acton,i udi a deed oft us .- Abbr M .- m or gagey ecur t r ns i ncl ng r t . t vb.
St
pa ntorpe f ma ea c di t t si ae tr . Alotr d (r hac ly) yme ror nc c or ng o he tpultd e ms - s e me ac ial de d pldge.g s : orga s1 C. S. o ta jj2-6. 2.A le a ns pr ry a e ca es M t ge . J. M rg ges 1 in gai t ope t t ti gr ntd t s ur a oblgai (uc a ade )a t ti e i s d upon ha s a e o ec e n i ton s h s bt nd ha s xtnguihe pa ntorpe f ncea or ng t si ae tr .( e :M orga I C. S. yme ronna cc di o tpultd e ms Cas s t ges 4S. J. M orga sjj 1 2 )3. i t me (uc asade orc nta )s ciyi t t ge 98, 00. An nsm nt s h ed o rct pe f ng he
op Fo
re
4. p1)Funds s ofmone <i sme moneys (. ; ums y nve t nt >. Alo s le (n s ns 4)monis SeeM EDI OF EXCHANGE; s peld i e e e. UM LEGAL TENDER.
clo
UCC j 1 2 ( ( . - 01b)24)
Page21 of2 4 25
su re
Fr au d. co
cr t f l st isnom i val wasnotentted t r edior or es han t nal ue il o ecoverf om t debt m or r he or e t n t am ountpai wih l f i er t ha he d t aw ul nt es.
lx Ana t sa j369A lw pr di t tape s n pur ha i ade fom t orgi e sa ina a ovi ng ha ro c sng bt r he i nal
M oney- ofExchange; SeeM oney;s alo Afi tofW al Todd ee s fdavi ker bi C'her o atached. Exhi t ' et t
N om i - ender; nalL
pow er >
Sup. 06) : nomi eo heowne o not andm o t ge 20 % ne ft r fa e rga ma notef rf ey as i t not andmorgaget ano he y f e fr l sgn he e t o t rfor wanto owne s p i e e ti s d not andmorgageb t fan r hi ntr s n ai e t y he
nomi e ' ( ne .' unpubls d opi o . ihe ni nl
ww
KORM AN v AURORA e l ta .
w.
St
l r W ihem , B. 392 ( nkr D.I ho 2009)f .sandar n e l l 407 R. Ba . da .t d mo t y not l rga e anguagedoe note pr s l o i iil aut ie s x e sy r mplcty horz
MFRS't tans rt not ' l r Var as 396B. 511,51 N o r fe he e'; n e g , R. 7 ( Bankr C. Cal 2008)G I FHM hastans r e t aof, D. . IV r fe r d he e M ERS i no lnge an aut ie age o hehol runls i has s o r horz d nt ft de est a spar eage y c r twih t ne undicos dprnc . e at nc ontac t he w s l e i kal M ERS*pr s nt no evde ast who ownst not,o o y ee s i nce o he e r fan aut iadon t ac on be fo hepr s ntowne .' Saxon horz o t hal ft e e r';
Page 21 o 22 5 f 5
op Fo
re
Nom i defned;e. sock hel by br age t1m i sr nam et f lt e nee i g. t d oker -- n teet 1 o aciiat l tans i even t r actons hough cus om er i act ow nerof s ii B l t s ual ecur tes. acks 6tl
clo
Nom i nee; A per desgnat t acti pl ofanot ,us i a ver lm ied way.3.A pary son i ed o n ace her u. n yi t t who hol bar l ttef t beneftofot sorwho r vesa diti esf ds e egal il or he i her ecei nd srbut unds f t beneftof ot rs or he i he . A per on desgnat t acti pl ofa her us i a ver lm ied way. s i ed o n ace not , u. n yi t
su re
Fr au d. co
M oney- ofAccount ; a denom i orofval orbasi ofexchange whi i used i keepi account and f nat ue s ch s n ng s or whih t e may orm ay notbe an equi entcoi ordenomi i ofpapermoney. c her val n naton W ebser' on-i Di i y;s alo Afi tofW al Todd f t s lne ctonar ee s fdavi ker bi C'her o Exhi t ' et atached. t
de d o r tand t omis r no e .. Howev r t r i no e ftus hepr s o y t . . e, he e s e i nc o e or t e t ihe t M ERS*et re t yde e fr c d hat sabls s hat ihe k he
prom i sor not or wc:gi t cl/l / ...t as i t not ' s y e ven he l/orfy o s gn he e-'
owne s p. bundl ofrg sal ng onet us ma ge a e j pr ry, rhi The e iht lowi o e, na , nd n oy ope t
Blc sLaw Ditona y( h e 2004)pg 3 a k' ci r 8t d. 503.
ww
KORM AN v AURORA e a . tl
w.
i udi t r ghtt convey i t ot s .O w ners p i plest r ghtt pos s a ncl ng he i o t o her . hi m i he i o ses t ng,r r es ofany act or cons r i contol hi ega dl s ual t uctve r .
St
Ow ner- p; shi
op Fo
re
Ongoi cri i - erpHs ng- m nalEnt e; H avi t char er ofa crm e;i t nat e of a cr m e; ng he act i n he ur i ent pr s ,n .1. A n or za i orvent e,es f bus nes pur es.Bl s 8t er i e gani ton ur p. or i s pos ack' h The FB ldef nes or zed cr m e as any gr havi s e m anner ofa f alzed i gani i oup ng om orm i
clo
Page 21 o 225 6 f
su re
O f Bal f ance SheetEnt ry; of bal f ance s heetent y m eans af ert s lt N O TE,i t of s i i on t r r t hey el he ns ead how ng t hei bal ance s ,t m ove overt s e ot enttesbal heet hey o om her ii ance s .l i no l heet t s onger on t he banks books.Thi i caled of bal ss l f ance s heetbookkeepi They a e nots i t ng. r how ng he la lt s de oft l i biiy i he edgerort account payabl becaus i hasbeen m oved overt he s e et o s eone el e' bal nce s . om s s a heet
Fr au d. co
M or taeeSe vie .l v. ler 200 W L 51 t r c s nc. Hil v, 8 70180 ( D.Cal N. . 2008)( unpubls d opi onq. ort r t bea v i asi ihe ni lFl he e o ald sgnme , nt t r m us bemor t us asi he e t e hanj t sgnme o hedee al ;t not nt ft d one he e
e ha a c que. xc nge nd he Cheq as i udesDe ndDr f ( ci 85A1 ue lo ncl ma a t Se ton . M or s ii ly,i i adoc ntc e aedby ac r c , c ( )wa rnt t e pecfcal t s ume ontmplt onta t whih 1 ra s he
paym entofm oney,t pr i e ofor or r f conveyance ofw hi i uncondii ; he om s de or ch s tonal
( s cfesorde ci t pa e,who i desgnae o a memo i i e by t 2) pe ii s rbes he ye s i td n nd ralz d he i tu nt a ( i ca bl ofc ngetr nsr me ; nd 3) s pa e ha h ough ta f rbyvai ne itonoft rnse ld gotai he
i t m ent ns m .
a mount i c r cuale ha t ta el st nt i tume ' f c vaue( s n onta t xc nge ha r es ha he nsr nts a e l known a t s tng' . s d coun i ' Unde Unie Stt lw,Aril 3oft Unionu Comme ca di ) r td aes a tce he f r il
C ode as enact i t applcabl St e l govem st us ofnegotabl i t m ent ed n he i e at aw he e i e ns m s,
exc ptba e nknots(Tede a Re e v Nots'a ' pe dola s'. e K r l s r e e ' ka ' r lr ' pa )
Com m er alPaper/Not and Dr t Com m er alPape calsf aparyt pay m oney ci es afs; ci r l or t o r hert delvergoods orper or a s ce. at han i f m ervi
Pos sory- nt ses l erest ; pos es or i er t 1.The pr entr ghtt cont olpr s s y nt es . es i o r oper y,i udi t r ghtt t ncl ng he i o
ww
t owne t pr e pos esi Se Resae nt Pr ry j7,9,1 ( 93 . Thoma he r o es nt s son. e ttme , ope t 53 1 6)' ' s
F.Ber n & Pa G .H as l Pr ace t Es at i Land a Fut e l er t 19-20 n. gi ul kel, ef o t es n nd ur nt es s 1
w.
pos es on ofpr s si opery. t d e s lus t t m E s s y i er t t i ude bot pr t W hal e he er pos es or nt es ' o ncl h esenta f ur i er t nd ut e nt es s, and To excl s i er t aseas ent and pr is.Ther ude uch nt ess em s oft eaders d not t tt houl e ha he R es at entofPr t em oper y us t t m d s s y't r eronl t i er t t entte t es he er pos es or o ef y o nt es s hat il
St
e l ot r , a pe s who i notne es a iy t owne .( s : ope t 1 xc ude he s by r on s c s rl he r Ca es Pr ry 0. C.. Pr pe t jj27-31 33. 2. p es ntorf ur rghtt t e l i us a JS. o ry , 1 A r e ut e i o he xcusve e nd
op Fo
Phant - nt t om E iy; Som et ng a hi ppar l s enty een,hear or s ed,buthavi no phys calr iy;a ghos or d, ens ng i ealt t an appar ton; cttous'nonexi t . ii Fi ii , s ent
re
clo
su re
A spaymentofm oney i pr i s equenty,t i tum entisel can beus by s om sed ubs l he nsr t f ed t hol i duecours asa sor ofval alhough,i tument can be tansf r f he der n e t e ue; t nsr s r er ed or
Fr au d. co
Pay t t O rderof o he ; A negota e i t m enti a docum entguar eei t paym entofa s f c am ount i bl ns m s ant ng he peci i ofm oney,eiheron dem and,orata settm e.A ccor ng t t Secton 13 oft t i di o he i he Negotabl l tum ent Act 1881i l a,anegotabl i t mentm eansapr i or i e nsr s , n ndi i e nsm om ss y
Pow er- - t orney; of A t pow erofatom ey.1.A n i t m entgr i som eone a hor t t actas agentor t ns nl antng ut iy o atom ey-n-actf t gr or.2.A powerofator t aut i an agentt t i f or he ant t ney hat horzes o tans busnessf t prnci .Cf s alpowerofatom ey. r act i or he i pal . peci t
( s : i i la Age 97. JS. nc jj 1 Ca es Prncpa nd nt C.. Age y 50-1 1 52. Blc sLa Ditona y ( t e 200 pg 3 3. a k' w ci r 8h d. 4) 71
Purchase- oney- ort M M gage; A m or gage t a buyergi t s l w hen t pr t hat ves he eler, he opert i conveyed,t s e t y s o ecur he unpai bal d ance oft pur e prce.- Abbr.PM M .See SECU RI AGREEM ENT. he chas i TY
( s : orga s 1,11 C. S. orgage jj 2-6,1 1 Ca es M t ge 5. J. M t s 51. Blc sLaw Ditona y ( t e 2004)pg 3201 a k' c i r 8h d. .
The ea ege r lyt t sofpur ha emone morga :( )amorga gi nby r r ne al wo ype c s y t ges 1 t ge ve t buyerofpr ryt t s le t s c et balnceoft pur ha eprc (tele he ope t o he elr o e ur he a he c s ie lr s tke- c 'oa )a s c e byt pr pe t beng s d(. , by s ot r a ba k'l ns nd e ur d he o ry i ol ie.not ome he pr ry) or ( A Shid pa t ' c emoneymorga ,gi nbylndert s c ea ope t ; , 2) r ry'pur has t t ge ve e o e ur
ww
KORM AN vAURORA e a. /l
w.
St
l w hi w as us t pay al orpar oft pur oan ch ed o l t he chas prce on t dw eli occupi e i he lng ed t aly,ori par ,by pur er.A pur e m oney m or gage i ves t ot l n t chas chas t nvol he owner'/ r s borower 'rs ofl i t pr s ik osng he opert and t f ecl ur si pacton t y he or os e' m he ow ners cr t ' edi.
op Fo
re
A pur chas m oney m or gage i a not s led by a m ort et s e ectr gage ordeed oft tgi by a rus ven buyer asborower,t aseler asl , r o l , ender aspar oft pur eprceoft r esa e. , t he chas i he eal t t l i a m et off a ng a hom e i w hi buyerbor ow sf om t s l i t of,or ts hod m nci n ch r r he eler ns ead i addii t aba I i s n ton o, nk. t s ometmesus when abuyercannotqualf f abank l i ed iy or oan f t ful amount l m ay al be r er ed t as s l fnanci orownerfnanci or he l .t so ef r o eler i ng i ng.
clo
Page218 o 22 f 5
su re
Fr au d. co
R EA L- RTY - N - N TEREST R ULE PA I I r - t i i er trul r prnci e t t per on entted by 1 t enf ce a ealpary-n-nt es e. fhe i pl hat he s il aw o or s t i rghts d be t oneunderwhos nam et acton i pr ecut Fed.R. ubsantve i houl he e he i s os ed.
Ci P.1 a . v. 7()
Screenshot ;
Stl i ger pr s ntngt pr j ci vi il ma e e e i he o e ton ewed e nai fom ac ma tng r omputrsmonior e' t.
Securiy; t The t erm t securt m eans any N O TE,s ock,t eas y s ock,bond,debenm r evi iy' t r ur t e, dence ofi ndebt ednes cerii t ofi er torpari paton i a pr i-ha i agr ent s, tfcae nt es tci i n ny ofts rng eem , colaer ltus cerii e,pr or za i cerii e ors crpton,tans er e l t a r t tfcat e- gani ton tfcat ubs i i r f abl s e,i t entcont act votng t ts ceri i e,certfcat ofdeposi f a s iy, har nves m r , i rl t tf cat ii e t or ecurt f actonalundi ded i er ti oi,gas,orot m i r i vi nt es n l her neralr ght or i gener ,a i s, , n al ny i er tor i t entcom m onl know n as a 'ecuriy, or any cer ii e of i er tor nt es nsrum y s t ' tfcat nt es pari paton i t por y or i erm cer ii e f r ptf gua ant of,or w ar ant tci i n, em ar nt i tfcat or, ecei or, r ee r orr ghtt s cr be t orpur i o ubs i o chas any oft f egoi e, he or ng.
FDI Law ,Regul i Relt Act ,8000 -M icelaneousSt ut and Regul i , C atons, a ed s s l at es atons SECURI ES ACT OF 1933;AN A CT;To pr de f land f rdicl ur oft TI ovi ul ai s os e he char erofs ii s d i i er t e a f ei com m er and t ough t m ais act ecurtes ol n nt sat nd or gn ce hr he l, and t pr o eventf a i t s e t eof a f ot pur es. r uds n he al her , nd or her pos
r r equies -
ww
A securt i ge aly a f bl negota e fnanci i t entr es i fnanci iy s ner l ungi e, i bl i al nsrum epr entng i al
vaue. c iisa ebr dl c tgorz di o de s c iis(uc l Se urte r oa y ae ie nt bt e urte s h a ba s nknots bondsa de nt e )a eq t s urtes e. ,c e, nd be ur s nd uiy ec ii , g. ommon soc ; t ks
and derva i contact ,s asf war f ur optonsand s aps.The company or i tve r s uch or ds, ut es, i w
KORM AN v AURORA e al t . Pag 219 o 225 e f
w.
St
op Fo
re
clo
su re
Fr au d. co
outome. Alo tr pa t i i ees;(r hacal i eesee. .nomi lpa t c - s e med ry n ntr t a c i ly) nt r s Cf na ry. g s :Fe r Ci lPr e e 1 ;Pa tes6( C. S. risjj23 4. Bl k, 8h ca es de al vi oc dur 31 ri 2) J. Pa te -2 ) ac s t
R ealpart l l erest y- n- nt ; r part i i er t A per on entted undert s t i l t enf cet rght eal y n nt es . s il he ubsantve aw o or he i sued upon and who gener l butnotneces iy,beneft f om t acton' fnal aly, sarl is r he i s i
SpedalD eposi; t s aldeposi.A bank depos tt i m ade f a s f c pup os t ti kept peci t i hat s or peci i e, ha s s at y,and t i t ber um ed t t depost *Thebank s epar el hat s o et o he ior. ervesasabaiee or l t t f a s aldepos t rus ee or peci i.
i ii per on orpayabl t bear ,and t i s enti ii ape son t whom dentfed s eo er he ndor em dentfes r o i m akest i t entpaya e,i i a ' peci i t he nsrum bl t s ' s al ndors ent'W hen s aly em .' peci l i ndor ed,an i t um entbecom espayabl t t i ii per on a m ay be negotat s ns r e o he dentf ed s nd i ed onl by t i sem entoft per on.The pr nci es st t i Secton 3-11 appl t y he ndor hat s i pl a ed n i 0 y o
ww
KORMAN vAURORA e al / .
w.
Speci alpurposevehi e; cl Speci Pur al pose Vehi es,Cr tDef tSwaps l e es Rat Swaps,and cl edi aul , nt r t e Cola er i DebtOblgatons. lt alzed i i
St
op Fo
re
clo
Alo t r d s cii de i.( e :Ba a Ba ng 1 C. S. nksa s e me pe fc post Cas s nks nd nki 53. J. Ba nd Ba ng jj 283 nki -287, 0.Blc sLa Ditona y( t e 2004)pg 1 29 ) a k' w ci r 8h d. 326.
Page220 of225
su re
Fr au d. co
ot entt i ui t s her iy ss ng he ecurt i caled t i uer A count s r a ory s r r iy s l he ss . ry' egul t t ucm e de er neswhatqualfesasa s iy.Forexa pl prvat i t mi ii ecurt m e, i e nvest mentpool m ay s have s e f ur ofs om eat es ecurii ,butt m ay notber ser orr at ass i tes hey egi t ed egul ed uch f t m eetvarousr t i i hey i es r ctons. Secur tes m ay be r esent by a cer ik at or m or t caly,non- tfcat ' t ii epr ed tt e , e ypi l d cer i i ed', hat i i el r cor<book enty' onl f m .Cerii esm ay be bearer,m eani t s n ectoni f r ' y or tfcat ng hey enttet hol t rght undert s iy m e el by hol ng t s il he der o i s he ecurt r y di he ecmit y, orr ser m eani t entte t hol t rght onl i he ors appear on a egit ed, ng hey il he der o i s y f he s s iy r serm ai ai by t i ueroran i er edi y.They i ude s esof ecurt egit nt ned he ss nt m ar ncl har cor at sock ormut fm ds, bonds i ued by cop or i orgovem ment por e t ual t ss atons al agenci ,sock optonsorot optons,lm ied part s p unis and varousot es t i her i i t ner hi t, i her f m ali t enti t ent t ar negota eand f bl or nvesm nsrum s hat e ibl ungi e.
St rawm an;
1.A fcttous per on,es one t i w eak orf aw ed.2.A t i ii s p. hat s l enuous and exagger ed at count ar entt an advocae put f er gum hat t s orwa d f t sol pur e ofdipr ng i. r or he e pos s ovi t A l o t m ed s r - an ar ent 3.A t r part us i s e tans i asa s er t aw m gum . hi d y ed n om r actons t por y t ans er t alow t prnci par i t accom pls s et ng t i em ar r f ee o l he i pal tes o i h om hi hat s
-
al o s A per on t whom tte t pr s o il o opert orabusnessi er ti ta f r f t s e y i nt es s r ns ered or he ol pur e ofconcealng t tue ownerand/ t busnes m achi i oft pari . pos i he r or he i s natons he tes Thus,t s r m an has no r i e es orpm i paton buti m er y a pass ve s and- n he t aw eal nt r t ci i s el i t i f a r pari pa w ho s ety contol actvii or eal tci nt ecr l r s i tes.
An awar sorunder t ng ofa f orcicum s a enes sandi act r t nce;as at ofm i i whi a t e nd n ch per on hasno s t i doubta s ubs ant al boutt exi t he s ence ofa f . act
l i necess y ..t di tngui h bet een pr ts ar . o s i s w oduci a r ul i entonaly and pr ng es t nt i l oduci ng i know i y.l enton and know l t ngl nt i edge com m onl go t her f he w ho i ends a y oget , or nt r ul us l know s t i w ilf l ,and he w ho know st cons es t ualy hat t l olow he equences ofhi act s us l i endst . ualy nt hem
tr t r is i s c i 523( )3)i t mea ngoft ieora t knowldge. t he hid sue n e ton r a ( s he ni notc cual e '
ww
Undert Unior Com m er alCode knowl he f m ci edge meansact l knowi som et ng; ualy ng hi notcem eanshavi r ved i ormaton f om whi onecoul i ert exit i ng ecei nf i r ch d nf he senceof
w.
St
op Fo
ge r lc r c orha s rorknowl dge oft e pme s tge>.( s : a ne a onta t d upe i e he qui nt hora Ca es Fr ud 1 Neglge e 1 7; i nc 088,1 2) C. S. glge ejj48 48 500, 286( . J. Ne i nc 4- 6, 539, 545, 557-559, 563, 1Blc sLa Ditona y ( t e 2004)sa tng @ pg2547. 634. a k' w ci r 8h d. tri
re
clo
su re
St reetNam e; s r nam e. br age f r ' nam e i w hi s t eet A oker im s n ch ecurtesow ned by a herar ii not e
Fr au d. co
st raw m an.
i put know l m ed edge. Know l edge a ti ed t a gi pers es becaus oft tr but o ven on, p. e he per on' l s s egalr pons biiy f anot ' conduct<t prnci ' i put know l es i lt or hers he i pals m ed edge ofisagentsdealngs>. t ' i r es know l eckl s edge.A per on' aw ar s s enes t a pr bied ci cum s ance m ay exi t s hat ohi t r t s, r dl s of w hi t per on acce st r s and goeson t act egar es ch he s pt he i k o .
Succes or-n- nt s i l erest s , ' uccess i i er t One who f l sa heri owner hi or or n nt es. olow not n s p cont olofpr r opert .A succes or i i er tr ai t s e r ght as t or gi y. s n nt es et ns he am i s he i nal ow ner w ih no change i s t , t n ubs ance.
Synt i N oTE ; hetcSee N o r M ort rEgage su a,how everf pr ound onl i el r c di t f m at a s y n ect oni gial or , canned copy vi ed f om a com put s een havi acces t s d di t dat bas N otan ew r er cr ng s o ai gial a- e. or gi ,har copy,nor a t bl copy. i nal dangi e
ww
Thi part Debt colect rd- y- l or; t r pary debtcolect TheFD CPA br y defnesa debtcolect asany per hid t l or; oadl i l or ' son w ho us a i t ent iy of i er t e com m er ort m ais i any bus nes t es ny ns rum alt nt s at ce he l n i s he pr nci pur e of whi i t colecton of any debt orw ho r ar y colect or i pal pos ch s he l i s, egul l l s atempt t colect diecty ori r l debt owed ordue oras ered t be owed or t so l , r l ndiecty, s s t o due anot .' W hie t FD C PA generaly onl apples t t r part debtcolect s her' l he l y i o hi d y l or noti em alcolect sf an <orgi cr t '. nt l or or d i nal edior'
KORM AN vAURORA e a. tl
w.
St
op Fo
Thi part Benel ci rdyl ary; t r par y benefci r A per on w ho,t hid- t i a y. s hough nota pa y t a cont ,s ands t benef t rt o ract t o i f om t cont acts per or ance.*Forexam pl i A nn and Bob agr t a cont r he r ' f m e, f ee o ract under whi B ob w ilr ch l ender s e per or ance t Clr s,t Chr s i a t r par y om f m o li hen i s hid- t
re
Page2 of225 22
clo
su re
Fr au d. co
consm ctveknowl t i edge. Knowl edge t one usng r ona e car ordii hat i eas bl e lgence s d houl have,and t ef e t i a ti ed by l t a gi per on <t cour hel t t her or hat s tr but aw o ven s he t d hat he parner ha cons r i know l t s d t uctve edge oft parner hi agr enteven t he t s p eem hough none of t hem had r i>. ead t
Tranche; ofsm iardebtoblgatons .A t ncheus dif sfom ot isuesby m at iy dat or i l i i . ra u. f er r her s urt e r e ofr um .2.A bl ofbondsdesgnat f s e i a f ei count - Alo at et ock i ed or al n or gn ry. s s l tanch;tench.See COLLATEM LI peled r r ZED M ORTGAGE OBLI GATI . ON
Transacton- ccount; l A A bank accountfom whi paym ent can be m adet at r pary.Per r ch s o hid t hapst m os he t comm on t oftans i accounti achecki accountwher one can wrt ype r acton s ng e ie a check orus adebi car t deductan am ountfom t accountand gi i t a t r e t do r he ve t o hid pary wihouthavi t go per onaly t t bank t make awihdr t t ng o s l o he o t awal .
Trover; tover.A com m on-aw acton f t r r l i or he ecover ofdam agesf t conver on of y or he si per onalpr t t dam agesgener l bei meas ed by t val oft pr t s opery, he aly ng ur he ue he opery.
-
ww
KORM AN v AURORA e a . tl
w.
St
True- nvest l or; i t 1.A buyer ofa s iy orot pr nves or. ecur t her opert w ho s y eeks t pr i f om i w ihout o oft r t t exhaustng t prnci . i he i pal 2.Br y,a per on who s oadl s pendsmoney wih an expect i ofear ng a pr i. t aton ni oft
op Fo
re
d overm ay be m ai ai f a1 ki ofper onalpr t Tr nt ned or l nds s opert i udi l y, ncl ng egal docum ent ,butnotwher ar i es ar s ed f om l by an adver e pos or at s e tcl e ever r and s sess , l tuntlr eas i ecover ofposs i oft l y esson he and.l lesf t m iappr i i ofs fc t i or he s opraton pecii m oney,butnotf br or each ofan oblgaton t pay wher t e i no dut t r um i i o e her s y o et
clo
Alot r d tov ra c ri Cf DETI s eme r e nd onve son. . NUE;REPLEVI ( s :Tr ra N. Ca es ove nd Co ri 1 43.C.. Tr ra Co r in jj 1 5 1 -1 . nve son , JS. ove nd nve so -3, -7, 20 211
su re
Fr au d. co
ta he(rns ,n.Fr nc sie' Se urtes 1 A bond is de i d fom apoolng r nc ta h) l e h lc ' c ii . . q sue rve r i
Chid Cusody Jurs cton Actcont nsan uncl nl t idi i ai ea handspr si t f bi acour ovi on hat or ds t
fom exe csngj iditon i ac l c t s ti c ran smains aswhe one r r ii urs ci n hid-usody ui n e ti i to , n
par y hasw r t ongf l r oved a chid f om anot s at has i pr uly em l r her t e, m oper y r ai l et ned cus ody ofa chid afervi iaton,orhas w r t l t st i ongfuly r oved a chid f om t per on l em l r he s w ih cus ody.The cl handsdoct i evol f om t di cr i y nat e of t t eanr ne ved r he s etonar ur equiabl r i i Engls court ofequiy,s asChancer - A lo t m ed uncl nt e elef n ih s t uch y. s er ea
ha docrne.( s s Eq t 6S. J. Equiy j 1 ) nds ti Ca e : uiy C. S. t 02. Blc sLa Ditonay ( t e 2004)pg757. a k' w c i r 8h d.
V eri y; f ver f vb. To pr t be t ue;t conf r ores abls t t ut ort t ul s of;t iy, l. ove o r o im t i h he r h nlhf nes o aut i e.2.To confrm or s t i e by oat oraf i t t s ear t t t h of hentcat i ubs antat h f davi; o w o he rut .
ww
KORMAN vAURORA e al / .
w.
St
op Fo
re
U pFront ; Paym entf sai i or d nves m enti m ade pr ort t REM I acquii t fr M orgage t s i o he C r ng he ist t Loa The Trus /R EM I acquied t Tr t cer ii t t be s d t i t s bef e n. t C r he us - tfca es o ol o nves or or t Tr he anches act l hel a M orgage Loan. ualy d t
clo
num berofper sonst f m s an as oci i Such ass atons m ay gener l be o or uch s aton. oci i aly f m ed f a com m on pup os or or e.
Page224 of225
su re
U ni ncorporat A ss at on' ed- oci i , U ni porat as oci i i a gr ofper ons s asa cl orparners p w hi i ncor ed s aton s oup s uch ub t hi ch s notl l i por ed.U s l t e ar no of i alf m altest f m an egaly ncor at ualy, her e f ci or ii o or
Fr au d. co
Suc apa t i des rbe asha ngd e n ha . Fore mpl j 8oft Unior h ry s c i d vi t a nds' uncl ' xa e, he f m
U ncl H ands; ean cl handsdocti Theprnci et a pary car s equiabl r i oras er an eanrne. i pl hat t mot eek t e elef s t equiabl def e i t pa y has vi at an equiabl prnci e,s as good f t * t e ens f hat rt ol ed t e i pl uch aih.
W etprom isory- o TE; s N Fi nanci i pr ded t a LEHM AN BROTHERS BANK FSB,i or t l t t ng s ovi o n der o end ha m oney t Pl ntf bef e t NO TE hasbeen r ved and r ewed by t Lender o ai if or he ecei evi he ,
LEHM AN BROTHERS HOLDI NGS I (. ,whe t i ont M orga Not i NC, ie. n he nk he t ge e s sil f' tl 4 ) we
W ihoutRecourse; t
ww
KORM AN vAURORA e a . tl
w.
St
op Fo
re
clo
la lt t a s e nthol rf pa nt g s : lsa Not 293. JS. ibiiy o ny ubs que de or yme . ca es Bil nd es C.. Bil a Noes Letr ofCr dij 1 1 ls nd t ; te s e t 60. Blc sLa Dito r ( t e 2004)sa tng @ pg49 a k' w cinay 8h d. tri 45.
Page 225 of 22 5
su re
Fr au d. co
W et M ort gageLoan; M eans,bef e t N OTE orM orgagei execut orr ved orr ewed by t Lender or he t s ed ecei evi he ,
J N KO RM AN ,e/al, OH . D e enda s. f nt
/
ww
w.
St
op Fo
re
clo
su re
Fr au d. co
I THE U NI N TED STA TES D I STRI COU RT CT F0R TH E SO UTC RN D I STRI OF FLORI CT DA W EST PALM BEACH DI SI VI ON
Aur a doesnotconc t r l va orm a eralt ofany oft I e r t i or ede he e e nce t i iy he nt r oga ores
o An wes n rtes jc matrt whc teltro t igrfr ort ta Ans r r s r, o h ube t te o ih h nergaore ee , ha ny we
i or w il be adm isi e e dence i t s a ton. Aur a al does not wai a s l s bl vi n hi c i or so ve ny
wih u lmiain,te at n y-le tprvie e t a c una ele p i lg ,tej i t o t i tto h tore cin i lg ,he c o tnt int rvie e h ont
def ns or com m on i e es exce i t wai of prviege, or t wor pr t e e nt r t pton o ver i l he k oduc
1 . St t t f l nnm e, c r addr s and t ephone num be of e h a a e he ul urent es , el r ac nd ever per on pr di ans e s t t e i e r ore i w hol or i pa t a yotr y s ovi ng w r o hes nt r ogat is n e n r nd l r atons p t t Pl ntf or De e nt i t s ca o, lsed he e n above wihi t el i M o he ai i f f nda s n hi s it ri t n he Ca i pton.
ww
w.
St
A NSW ER :
Laur M ccann a Ci W alace ndy l A ur a Loa Ser ces LLC or n vi , 1 0350 Par M eadow sDrve k i Lite ow CO 801 tl t 24 Page2 o 7 f
op Fo
re
I NTERRO G ATO RI ES
clo
su re
Fr au d. co
3. D o you curenty pos e s t orgi not cont ni t once w e i r l s s he i nal e ai ng he t nk s gnaur ofJ Kor an? i t e ohn m
ANSM R:
Ye s
4. W as t orgi not c he i nal e onY ni t once w e i s gnat e of J ng he t nk i ur ohn Kor a ever underyour car cus ody or conkol l your a w e i yes unde what m n e. t ? f ns r s , r cicum s a es f t m or you a e t i iy any r l vantdoc e s r t nc , urher e r o dentf ee um nt .
AN SW ER : Yes .
5. Do you or di you e d ver ha a rght under t M orga Loan, ve ny i s he t gee udi t rghtt cole t m ont y pa e s xcl ng he i o lct he hl ym nt?
I you do ha addii rght .ot r t t r ghtt colectt m ont y f ve tonal i s he h% he i o l he hl payment , pl e e ai a you a e t i iy t doc ent of aut iy, s eas xpl n, nd r o dentf he um hort pr umptvel fl wih t Cl k oft Coul by c elf Aur a on J l 2008, es i y ied t he er he ouns or or une 8, undert stte,her n- bove. hi il ei a I you do not ha any a tonal rght ot r t t rg t colec f ve ddii i a, he h% he i ht o l t mon hl paym ent ,a no doc ty s nd ummntfld wih t Cl r oft Cour t da e woul s it t he e k he to t d how o he wie,pl>K expl n t r tonal wih yourslng on J of2008 by t 1 fr of t r s e e ai he a i e t i une he aw im A we ba & Cohn, r es i Aur a Loa Se vi , as oppos t a M oton f r ch epr entng or n r ces ed o i or
ww
w.
St
op Fo
re
clo
su re
Fr au d. co
ANSW ER :
6.
ANSW ER:
Aur a Loan Se vi s,LLC or r ce
J n 5 2 % wh no? u e , 00 y t
ANSW ER :
The docum e s sl d by A ur ' couns on J nt e om s el une 1 2008 w er onl t e 8, e y hos doc ument r l va t Aur r s a tr atve de e of s oga i s e e nt o o a' fl m i f nse ubr ton. M o eove , i i r r t s Aur a' poston t tt not a m orgage have no bee di c r or s ii ha he e nd t t n s ha ged.
8.
ww
w.
St
( u e f rAu o aLoa Se vc s Co ns l o r r n r ie )
ANSW ER;
N o.
op Fo
re
clo
Pa 4 o 7 ge f
su re
7. Cot el f Aur a Loan Se vi es tl d w ih t Cl k of t Cour,J ms or or r c i e t he er he t une 18,2008, m orgage doc e t be e bied,whi di not i ude t docum e t um nl o xhi t ch d ncl he nt di c r ng t no e be ween J K or an and Le a Br he sBa dul r de on s ha gi he t t ohn m hm n ot r nk, y ecor d
Fr au d. co
Y es A t or r er t t not a mor gage whi s t f t t rght a . u' a ef s o he e nd t ch e s orh he i s nd oblga i be en t pa tes i tons hve he r i .
ww
w.
St
AN SW ER :
op Fo
re
clo
Page 5of7
su re
1 0. W oul i be f i t c a e i one ar oft m orgage l n bet en t d t a r o har d rze ea he t -oa we he pu is,namel J Kor n a Aur aLoan Sevi aswhe t pam e sha be e y ohn ma nd or l ce n he nt ve en
Fr au d. co
Pl s not,1now know t lterhol ma i co aci ,and f s ea e e he et ds ny na ur es or ome r on you f l t cor ec m y i or eas aied o r t r ance. 1 1 go al wih t t wha o he t t ,i '1 ong t ha , t t r h% hat f
9. Di you r s d e pond t t she e n a t c l ter i you di you a e t i iy o hi r i ta hed e t , f d, r o dentf t doc e and pr de a c he um nt ovi opy,ho e ,i you di notr s w ver f d e pond,why not ?
ANSW ER :
N o.
a to ie t sa to t c niuem aDee a t(ner r, tou o jcin,a du de uh rz d hi cin o o tn s fnd n i ro) wih t b eto n n r
AN SW ER
A NSW ER :
ww
w.
St
op Fo
re
Exhi tA ,6 of9 bi
clo
Aur a i t a sr ee of t m orgage, pur uant t t Cop or t or s he s i he t s o he ae A s gnm e ofM orgage a t hed her t si nt t tac e o.
Pa 6 of7 ge
su re
wha pr ie wu t s ac i alowed t c tnue,ori ntf t Iw f aut iy ve t t em s hi ton l o on i de iy he a ul hor t sed wihi asbe ng t r alpary i i e e t t n, i he e t n nt r s ?
Fr au d. co
1 2. W asA ur a Loan Ser ceseverc t ct by t I em alRe nue Se vi e or vi on a ed he nt ve r c i r e e t t s i t he ei m orgage a i aton,or a tm e l er n ef r nce o hi nsant r n t pplc i ny i eaRe ,whi r ch occ r pr ort t llng oftls i t ntac i i yes pl e e ai brety and you a e ur ed i o he l i li ns a ton, f , eas xpl n i l r t i iy t dooum ent s o dentf he s oughtand a c ny omm uni atons t tm ay have occ r and c i ha ured be we whom . t en
'
t l
1
'y
..
' .
'
Is t
.
.-
SI' TE OF rA CD 7 Y,.. ( %
,
.
.. --.
'
. . . :. p r
'
. .
su re
.
Bef of
-.
in i:i
'4 1e
. .
td* i k t . d >
.
a et e y,
.
1 ,. t-..0, e et u .k
i ntlcatm a lho aher bexg d y s de l . i nd ? i ul wom rae :twt1 e a s ts l l b/ve = 4 ' pgpi t a f t pr ng
'
clo
V i d, w c g w%oi p ra xl k wnt meo whoh podtL De #-- t.uv fr , s z. n ly ' ' M o t s r ttx '' .$ J + $ o d Nk ,j t ! ! x .
. .
. . .
re
-.
... ..
. . . .
. .
, .
op Fo
. . . . . .
, . .
.-
..
-.
..
.,
, .
. tl 7eoxe
'
xpt psj o u
v j q V1 >G ' . ?
.
.
St
w.
Fl'%?.4'D#te A1 2* s l h
.
; e '! p; M M> *
ww
Pa ; 7tf g h7
Exhi tA 7 of9 bi ,
Fr au d. co
1 1
! 1 1
1
! ; l l l
t 1
1
E
! ! j
t
#
n Ajoat a it oa r
i
!
j 1 !
1 1
) '
/
,
r i
,
j L k k
)
yj f .
! $
!
1
l l l
! ! !
i i
l
m
,
r ! .
BF K AN REN. ePr I Mc u
WINE T SS JN A e:S
ww
A ' .Jws< f 2 @R i M@ k*f. M'' ''' ''''G DFM M.= IA * t A f A FFA O .. PP *JF B* xR- 4t f e c e zA A& A * '''''' ** t K tA J @F&T7 KI . O AP LA I Z
w.
St
op Fo
OnJ#9h 2 u 1. *8
re
o o x ' rs e lee fa dteflA n f e a tel es4 dd alh d v n r a dp be lean r wi m e p d h ro, o h u el f d h - r n lte o e a e n mv h ri t cona- d, ndt eadAv gn h ebygr :ae ( ve u otw Ae g Q A:sgno ben f al ti a - l ei er r ant m ys nl l e ne4, w i t eml ltr t rd rteMox a ne eK uke h ge, TO IAVEANDT5 Bot t % dMotag a dNot a pu t s i pr d t t t l An f :f 4er ' I D he ai r e n e, f lo he ad ope y m o he e g < gne orv , s je t t:tmw o nan dl t l Mota ea dNoe ube lo h e o tie n ad l g n t. g MORT GAGEEL TR G REGI RA I S TR S.NC A NQMI E F L K ONI W TQN YS M l S NE OR EHUAN BROT HERS B K. AN F B, FE ALM VI B f' S S A DG NGB ANK TS UCCESS S AN ASSGNS OR D I
clo
K A LME bYTHE PRES Sta ic nieai o tesm oTE ln No/o teDOLARS51 NOW t N SE ENT h tn osdrt fh u f ha d loh L M :q c.h rc lt n s lce c o whC * ln te e ep a d u ln y f ih , h rb e o e g d teeiAs na erb e in t ol a w- dM sg e,h sj Mnta e ee y wl e ,h ad e r ey p : mt he b me in ete ad r g g kg te wi meNdeo ole vd neo e e e no ( e'ct7, Ndeh vn a okiepioplu o eh t h r le e le c f b e t N e s h alg n r nl r la$m f n
dh r x d:< v la t c nle aln p i t tes p en e g l au be o ld rt , ld o h b v e o
su re
Daln r MORTGAGE LEC2 0 C BITR TD S EMS l S t m AsqdAs ir e J EghTRONI RE S A NSY T .NC A NA S E F L HA N B HER3 ss o tsg nt * t 0 8 NE OR E RW B K, S . EDEM LSA NO B I BSUCCES AN F B AF VI ANK ' P 8ORSAND A GNS a P. 8OX 2 2 , 3 8MIL SSI t O. 0 6 G4 1 L ER ROAD. NT,M1485012 FLl -% As in eL m oM L S VI E L Q l 2 1 COL EGE P K, B0X 1 y OU SBL FF. 6 3 1 sg e At OAN ER G : L t 6 7 L AR PO 7 K U NE 9 6 E ue B K HNJK MA , A IRID MA , ONF B HI S USK PAMEL K MA To - td F 0R N A R E N J . Y S O D A OR N : MORT /AGE EL SCTRONI REGI RATI SYW EMS.NC. NOMI F LEHMAN BROT C ST ON I M NSZ Oa HERSM NK, F B, fMot ge:SXJNOS BRee ed;1011 S eA F ro L r WZQO ANK EDERA AVI Dat o I / Qc l Beo me /i : 9Pag # : 0a:l me n k el e 2* t *Fo o 927 nA nt Ne.2* 60 7 1 l Pal Be ,Flr a : 5* 5 n m e oi d Po ryA d- :93 S Z S rpet d r 1 W I TWAYI OC R ON. L 3 4 6 4 9 A U F 38 t ga t B oc 7 bl e tm t y x Auhu. UN F AORP Boc Rv oM-S A . A ECOND A TI N p to Acconol T ODI O t No o
Fr au d. co
d* s
% .
X w q> W W,
ww
' /M I#Y AM X/
w.
St
op Fo
'
re
clo
su re
AK m A N-JO l X %3 C :
Fr au d. co
ONebrsk,X:leoapnaDdK NEDEl aNt eqbliadoyb Cutyo8 dsssfenySae NJl9h2 s, lrte e R uy t. e b e yA L i'a l ul n n $r e on me(rprvefomeo.te 'N. emy n e- l z c t t fc l l t nl h l lc n t o a a p roo? w r ANNREI Vc Pr e tp r l > f o o o he ds fc relex)ob tepro( w o nm )W so d 1e tii tm nad a es t y k R t eh evn: hx a e ime u ao d ) e h wi nn r etn h su h nw erjotr t emsrmeth lexns. rn e o uenb h lod amh p rm ybce . ako&ell tmeontaPeue ntetdt lao iell /pkatafe crt:.ntt)ytd j rlQe aue h/ thye presmehhiyrb uk ef khe ast a la h / - e ) t n to emr wb t ed*t t . me /n
56 1. 393. 0773
Aur aLoan Ser ces or vi 1 0350 Pa k M e dowsDrve r a i Litet CO 801 tl on, 24 720. 3000 945. 800. 01 880. 28 Regit ed M ai # 7007 2560 0002 4034 8545 ser l
A ccount# 0039153879 D earM elss R am i e i a r z;
i t ca n he paciy colec i debt f a t r pa y,i i i t l tng s or hid rt t s ncum bentupon you pur ua t t Fai D ebtC olec i Pr t c A c ,15 U SC 1692g Sec.809 s nt o he r l t on ac i es t
ww
w.
St
W hatIam as ng i f D icl ur ast who l ki s or s os e o oaned m e what Ipay a . com pany caled A ur a Loan Ser ces,w hi i a colecton agency but l or vi ch s l i appar l bor ow ed m oney f om a B ank caled t LEHM AN BR O TH ER S enty r r l he BAN K FSB .IsA ur a Loan Se vi and LEH M AN BR O TH ER S BAN K or r ces
op Fo
Furhe mor m u c am t b s e hi ot rt n aCole ton Age y. e t r e, l i o om t ng he ha lc i nc Ar you t lnde ? Ar you a Cole to Age y ac i a t a m oft he e r e lcin nc tng s he r he l nde ? e r
re
clo
Thnnk you f your l t da ed A pr l8t 2008, w her n you s at bei or eter t i h ei t e ng r egul ed by t O fk e ofTlr A Super son.Thi O f i i ass at w ih at he f li vi i s f ce s oci ed t t tD epnrf entoft Tr ur ' Coul you be so ki ast i iy t s he t m he eas y.' d nd o dent f hi D epar m entoft Tr t t he easur ' The r on f m y ques i i s m pl t s y?' eas or ton s i y hi ; TheUnied St t ofAm ercahasnothad aTr ur sncet 1 t a es i eas y i he 930' s.
su re
Fr au d. co
Aprl17t, cttg i h l)
paye bei A ur a Loan Se cesI ,i diput and valdaton i e ng or rvi nc. s s ed i i s r equesed. t
addr ,buta r ess eques f VA LI TI m ade pur uantt t abovenam ed t or DA ON s o he Til a Se ton. r s c f ly r ques t tyourofi e pr de m ew ih te nd c i 1 e pe t l e t ha fc s ovi t
l t e ntAur aLoan Servi and LEH M AN BROTHERS BAN K FSB n he ve or ces i t sam e entt byw ay ofow ner hi pl e ver f m y debt W ho orw hat s he iy s p, eas iy .
l oane t m oney t buy m y hom e? d he o
Furt m ore i has com e t m y atenton t tyou a her t o t i ha ppar l ar w ihhol ng enty e t di ourpaym ent pas t pay dat i or rt gener e a l e f Thi pr i s t he e n de o at at ee. s actce i il .Tw o daysago t pos of i ar m d t county r ai ope s legal he t fces ol he r em ned n
unt lm i ghts t tl t pa r m i pos m ar t ri i dni o hat le u ye s ght t k hei ncom e t axes
bef e t deadlne.Thatpos m ar i t l or he i t k s he egalthand- f w her A ur a t of eby or r ved t tpaym ent Ica notbe hel r ponsi e f your i sci y. ecei ha . n d es bl or nef enc
St
ww
l t e ntIdo no he rf om you i t ne t ry da Iwila s et n he ve t a r n he xt hit ys l s um he not hasbe n s d orhasbee bundl d a pl d d a a s c iy,a s t t e e ol n e nd e ge s e urt l o ha Auror Loan Servi i a debi Colect f isprnci LEHM AN a ces s t l or or t i pal BROTHERS BANK FSB a no t owne oft Not nd t he r he e.
l w oul gr l appr at yourcom plance w ih m y r d eaty eci e i t eques . t
@
w.
op Fo
re
Pl epr dem e wih t f l ng; e% ovi t he olowi Compl e dicl m e pur uantt 15 USC 1692g,i udi butnotlm ied et s os s o ncl ng i t t 0; Tha yo a e lc ns d t c l ti m y sa e a 1Deb Cole t sm us be t u r i e e o olec n tt, l t l c or t lc ns d t c l c de t w ihi Fl i . i e e o ole t b s t n orda Pr de m ewih yourlcens npm ber and Regit ed Agent Yourf l e t ovi t i e s ser . aiur o pr vi t si or to wilr s ti a lte t TheFe r lTr de o de hi nf ma i n l e ul n e tr o de a a Com m ison t i s i o nvestga eyouralegatons. i t l i
clo
su re
1 am i r ptofyourl t w her n 1s a docum ententte N O TE .W ho i n ecei eter ei ee il s t N O TE H O LD ER ? W ho i t Lender Ido nothave any doc ent t t he s he ? um s ha cont n t Lender' s gnam r why? ai he s i e,
Fr au d. co
John K o= u
ww
w.
St
op Fo
re
clo
su re
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-3 Entered on FLSD Docket 10/19/2011 Page 38 of 58 ! , . ' L 1,.*@7: 2. t@ w. * 4.f J' .c 1S73 ' 1. 4. 7 1. * G7. 8 '
BANK ONE, A. N. ,
Pll tz nni
'
v,
PRA
l, l y
su re
Fr au d. co
q1 1 8 , s s: t q
. .' .
= > 03047448CZ
I k *r1re -. 1 ) z.
r o' oQ5o . a qu o : c - '= i S .
; ,
1111 1 1 1 1 1111
'r k
'
j
.
clo
Tj
-. .
Dill c nMn W rg PLLC iht Ato e f rRl k One, A. tm ys o n N. 5 0 W ood r Aven Sui 4% Q 'wad ue, k
op Fo
re
St
i- j iJ u u)4-r ! 7 . , t. -, d ume s fl by De e dn # i t s C M > t % le d a ee ' ' * 0 nt te f n n q n hi S he lge gr d nt' a m . . Jia z. , . t rc l s t a ' c Dee da sA H Pli bl l Yt .NOe,h,t sAm davi. I al-;a a4ine 'fn nt n ano l e he t t, u t -: t s n
-. .
'
k1 3. ;ql 'r t t q ot o m he
. , .
j. y) , . E Q: ;
.e
ww
w.
m
: . .1
.
:' ; '.; ,
a =
t15 .*ge 12Z1e .!J :1GZ V .9tGl# ' ' 'e ' S . i r ce n f eq a is e i t z - ofwhih Iplvi sy had' i tO d > e n t t s u n Ys ' m c ou l n dv n2 '
f l i s a ement . olow ng t t s
noes O n ,Hmb r ' a c ptnc , s c iiw R d o h r fna ci i f'me t i t , ds e s c e a es e urte t e i n al nsnl n s n '
n ci wih my wor f t Re v Ba 'di ntwi owse pa t oft ne yon t k or he xr e nkR xou nd rs ht
su re
'k. .
clo
Fr au d. co
:.: (
.
:' . j
op Fo
l -
re
f 7 9
;1 , ! 2j
St
i m l t. A ml ar nq mens mm y i. u;. ! k . .
w.
ww
! .
m
.
.
o rse lrI x nt ( ai le N'enl t' fo c tmm = 4 de isor le i a no me s hm ns r n mO s' rm m o l post i Fs t ibli h . t w t = o i e i m e a = s lyi me r o o e e g la luo t a m a ch u * nna s e t
. ..
clo
su re
,
c = o mi nc i a o n xo + on hmt t nau o m o y u e me l h Y he ta f ne e y as
N l t t di t U. mohea ya bn i d tms ew cal jn e te 1 0s I peuae n he S. t r ud e ng yse . s ily ic h 93 . n
'!. '
..
cascleo o cte r, onoe econom i exchange has m ovi - yo dteb e lsia cn mi hoy l n h - r c
op Fo
re
w.
St
rm fh . . s t fac mpakiy s ' amountofmon ykfe h nge(. , e niv yso o r v l maJ l o xc a eg. g d,sle,- om ca c r c n es ma s pm u a vauy lr rqua ut of ol iv r il uxn y ot ) y u ' s age n y
b ukne f o nm to de mi t i mo y o A r pt 1 =3 o t s iY no pae n ne f e nu Xe m f he e
: . y . : ,.
ww
Fr au d. co
7.. :) ,
*
( .
1
Case 9:11-cv-81163-DMM Document 1-3 Entered on FLSD Docket 10/19/2011 Page 41 of 58 ' '. .> '' r. 16 -.' '' G *G' .' 1t 76 L' 1 eB. .2 ' f 1 1B *1. . ' 2 1 G.( . :' !
.
,,
'
. . .
:.
.
-
c em pl b- h diba- m en: of f - ont aA & une pnd e e ualr pl ntors tl at nt e -vme eteme
. .
.
' *
Fr au d. co
.
'
' ' .
e beo e- rv lw. l l
'
. # , .
'. l. !
t mm y nl o o me f
e ha oft c i ofRn On eli i f T lta nuy a ppvi l xc nge he M t n: . antm or t l ppee -z nd ousy
e = de * De e n s by M ihi p Na i alRn xt d f nda t c ga ton np. Alo.t r i no - vm t s he e s o
t '
' .
su re
.
'' . 11 ' . 1
.
clo
: L . ' . ,
,t 1: : -
'
.
*
.: ;' .. :
' ; .
re
Stt of Ame c ' fe R omie t Pa ' ca e. Tmdi ly an lg l aes a' s e pr s o y' lus) unal d e aly,
Co ngv s de s t pbn- l ulmoqe f te Unie St - . La ulmon fne he awf yn or h t at wf ey
.
:
1
op Fo
: .y : I !
, ; .
:' 7.
'
w.
St
xd a e f g d orsl e on d - bl or ol iv r emc d. l na
.
ww
prort 1 3 (ae o ce i ofleFe rlRe e B> A. Se .Lawf lMon , i o 91 d t t ' aton r dea s ae oE ) e u ey Exhi tC,pg 4 of15 bi
z
' .
m
) ,
'.
. .
o le x mo e xe n Noe l i m sil tM ti ln e ei me yalg c d m- mig t. t s sbe I hs a g ) s xl e a y f tep 1 3 e M o e ce a e nsmi tn ld Y a e tl g w mm h x-9 3 >. d m l pe me t l icu e m n = o
s c a C m o e oblga f e t sa e me s le :e ue t ipa e uh s % m nt i uon md r hi gre nl hal mtl m nt
i v ei i .### a s ve ndAnql c lce un 'whih a dste e tm q sin of l ole tdf dh' c voi h ni ueto y
' ..
su re
z ,. t
:
.
clo
Fr au d. co
,
$t.. ;j : q
'i :! . .
' '. . k . .
op Fo
stt snc 1 3.wh n do s pi t gol tsn tons Fee s s u- t i aes i e 93 e me uc rvae d r - i r uuntl
re
'
w.
St
51 3, 8( ,n 511 () 0 511 b) na 9 a.
ww
5-J
* '' . . '
.
r ;
m
'hi r s
'. .
Case 9:11-cv-81163-DMM Document 1-3 Entered on FLSD Docket 10/19/2011 Page 43 of 58 I ' 1 -*B,. ' z'. --. -*G.' 7 . .sT' ;. z ..e 1' . -s * * .B ?i. t e '
'
7 fe t de l e t Ua / p Comme calCode ffC. ),Se to 1201 ( . egi en r l r h #' l e r r t C. cin - 24) ( calcomme ) i ac om i nt,s on- tt lxme mess ra e i o , oft sn>. . n o bn ufc s n 'n? hi .- .
'
e h- e a horz d ora t by a'omes orf eR go n n V d icldeNa xc ut ie dop e d uc or i ver me t n u ' m pt tr t zt of a c unt e n ih b a i tr ov m me l ay ui e co hls e y n ne g e pe or x ton o b g nlm i r y
.
'n e t ta pe i * a o unni ofgo mm e t wh e by a dl xdo G f e * es do s tf ton ve n e r v odz n or is o a opto e e sue r d in e d, ih v ognze t e cr ultng pe i a awhc i s h ic ai um s
sL I
' '. ' .
su re
'
o c a c , nc of+ a g - m e . n e nn w vi w t tm one i lm i t l za i l '- y 1 ove nt > e ha vsi e oe l t nd i r e t dz n us I c l ' : t U . C.t n t va i t t c a sca m er s ei c e ' , onc ude bn he C. e ds lda e he l s i l
clo
re
8 .
op Fo
St
mi ni te h ce m d- nee nt n
w.
tpialf m ofs hy c or uc
2
Ro% ofc twa aalqo bil ofe i ged i mdi s r ls xcm mwnu> n
ww
te ev s(ll o iece1i o leA we s i n o d s l me t o b lp , h msli cnm: n rdt f e. nee d f ibl ns f ul n ) i Exhi tC pg 6 of15 : bi .i L i . v
,
Fr au d. co
;
' g
. . .
/' i'
;' '
y; (. $.
t
.; (
m
oft be
. ..!
c me t m e l s of t o di a o Yt e r-
N ' ha t es d o
c mme a xonomy i mid an pr d d a Iatt mh nims(h dic mt o mil n n d ovie t e s wo a s te s ot widow a t om nn nd he mrke M dogd k bywhihc rant- ofbe es c t t l es) c eti y r' e s
c l % ex ha oud c nge Y Fe e Re e v c d t wbih i t r c d be wihd or d ml s r e m iw c n un oul t mwn i n
c too ca mone s tm;i i us = 1 us a ade f t c Eonof ue il o ysq t sj t y e s vie or he ma Fe mlRe r c ttat i h% ci te f m ofeic Fe rlRe v noe or de ve vdi h , n a h or i dea xro ts
clo
h nk de st a Fe n q' m is t de
. .
.
su re
'
re
op Fo
Fr au d. co
1
.
:1 'j %
'
. ,.
) % .
:;. !j .
,,
k :
( ?'l j .
.
St
'
w.
ww
)' .. $
m
'
. )
,
'
Case 9:11-cv-81163-DMM Document 1-3 Entered on FLSD Docket 10/19/2011 Page 45 of 58 L: <.. B# 1* /1* -18 :.: J' ' .* 1t E B I .e ' 1G S 7 ' E
.
Ho e ,t bo e n e e r qnl by K plc to ofGM P a t Fe r wev r he okke pig ne s e ' Y ia in nd he de al Re e ve sown wrtngss oul d gg rc o exmtn of#l nt sa e tn qee ons sr ' ii h d e ls iy ai i p- n q
.
t ti lntis Rmdm o t o mo y t o on be fofDe e nt, t r by cnlqi g u te t , mdi, r ne o r v fnda s he e 'n te t ewe t Pl i * 00,00. Ac or n t te e kk- f e ess ewn o hm e he ane 0 c di g e h g ni h r
o wie dz c i ier s s rd '
t me O d a i o ofGAAP, t De e l a lg l we e o pple n Ee f n- s le e y r
clo
t mone f ,c i, s met ngeleofviu i e hR g ( y o e ha , o y, hnds M t or o bi s : n xc e mone f xc nge : ., :) ). 1' .1 '. : l s l de e ) c l tvey r f e t h r i aq Y one:.'(q* m pay w hat t oo ey sn , ol i l e e E ' o e en y ': he
' .' d. .. .
, ' .
a m e * e t t Pl t Appm - e e a e d t e- om i a bsa pe lf at - e - e x a. l e * e t
.
op Fo
re
!? j' . Pli i cli was le mon y l n t t e Dee t. I k uotaa una ag nabl antF ams e et h fn* s t i t.J. o .
. .
.
su re
-.
St
'
w.
, . ..r j s c wj lo ? tt I e e e lfl ualw efl l tos:on te t sde oft -q- nc- i m . he nf t ne na l bla l h wo i s het 'onz o f . . . y ! q . ga - gj ' O
.. .j . .. .
.
rpa i mo y ( y ofe ha yn l fu mone att t, whoa t y n ne mone xc nge nd aw l y hal i c , mo y,i l ne ncuingl fu mo x i t l e l g f ankcrJ/) aw l ae s o x xcx ed or e /.
.
, .
.
ww
Fr au d. co
=. .
.
1'
- R-
. .
' t
* a wn * .r > j
;:M' De s .. . - -.
,,y :,r .r: .? r c oc
:.
. .
. .
;: # . ; ,
fD . '
. .-
' H
0
ra x ..a
( qj y g j 85 ,
!w
.: .; i) :
s'
m
'
-
' >
x x lojcy
Case 9:11-cv-81163-DMM Document 1-3 Entered on FLSD Docket 10/19/2011 Page 46 of 58 r. : .. a.' z.: * ..- ''. 4< * .*'' .:, k . 1 . z, # . &. :1' - 7 . -E'.. 1 * . '1 1 e G w. t B 1
. .1 ..
@
. ' . .
'
Re ede l on ofabn sln ngpoc s .Se Da d H:Fre n,M ONBY m e nk' e di r e s e, vi idma
'
. ,
W be a c m e i l hs m e e a n om m a nk :
= ou ofte la ' ( = e l nsa fnde smial ) n eeor,t ba s nt h o ' Cons r oa a u d i lry. rf e he nk'
o na hmkk pi e s oul s ow R 1z- - i t a dgi l x ng n> h d h . n he moun of t Av e t he q i
t : ':
5. .'.
ce ie on t a s sdeofisO H an ac td e set i t d o-
su re
.
clo
re
op Fo
r as a y m i t Y le A m t f c o t Not t bs c e e Mmds f tw e on bl gh i ve he a t f he e, he nk r at d or l
#
St
w.
'
ww
Fr au d. co
.
J rV .
tt .; ',
.,
'. !t @
F,p .
ne g i me m lt t vaue nc qua o h. l
.
l' ''
,. .
e hn 1e u ual nk n s ly
i) 1. '
i q
)l .
j
'
si a to l p so sol uh rmo n r
2 . .
. ..
' j . , ,
1lTo u . n4e
d wh tox nm ' Y a z
U2 'P Ly .M 1. I 2 3S !' A/ nJ RN Gf ij hX #7 mn H1 ca Fe 9U a> dL bg r3 Y* B: oeC -l Mi *t ,c pH v% g# Uh tB lA =r uo @O Sp ku N( yb s, 7x xm P+ D fs Ed P /G w. T@ WS %5 k 'y .T O7 )) w a' bR n9 1 In c3 -e iq ha R ef Dt p A 6 F r o t l : v k q d B m x y G s M C f ( z S T 4 E P 7 . > = J N ' * L < g w b a 1 n j e Y W A c i # ) u r t l , o D d : v 0 x I O m k h F y p s ( B M H f . z N q ' K g V n E 1 a * 9 Y e R % 8 l G u , b t 4 i 2 r c ) k m h 5 T ; w o O v I p d s D
ww w. St op Fo re clo su re
Fr au d. co
Case 9:11-cv-81163-DMM Document 1-3 Entered on FLSD Docket 10/19/2011 Page 48 of 58 ' ' : ' 1 .@B z' Z7' .'. .:G *SV -e 1' . a L I. . 1 . 1* le ;1 . ' .S B
.
e ba )i m one a d e j lr p- m i - a p@t f - w : a unt ba om e xc aee s w - t s > m of l m @ne w hep banu de st ar .q v x l @m '. not w l: t l e of = - l t m q po e t be nt w: t nE ke
lke de o i ofe i p-xl -h. & e 1 U. C-Se i 1 3 ( 1 ( fnii oft emst' , 2 S: cton 81 #4) d*! ton t l i' d
un rFe de demlDe stIc eAp) n ePli i a t i t p peiyofalndi m i n nmnc t, antf cs n he a t e ng
orMnElg i tmto Odiene vl e crdt ormone i SY I ore iiln n nsi iw wl ' e' t v s i . puv e t t apmmix w nop.whih nwv H le d a a d postofn n v wh v ei d by o s c r e s e i e en ve
( x k )d wh n te ma e l= i t Kc p po soy n t i e c R g f r b n q o e h y k o s o e t rmis r op n x h : o
su re
.
clo
e pnn ta teM n s axw a dI blt ic-- b lea G t ftela s x 1xA h th k ' s t n ii n r ' s a e y mo o h n n .
: %.. .. .z
' ...
T
.
ce i it a ac u twi te Dee d ns nme o e a;c =t %. . u a. rdt no n co n t b fn n t' s s n b cou o Fe -s. oo a - dyis igi o ceifr$ 59 51 t Mihg nNaie Bnv frWl p sun a wn r t o 9 ,0 .6 o c ia to n o
.
. .
op Fo
re
w.
St
t Pl itf a *a i ePli tF t en hv>met e boaowe ofa m ui lnta unt he an i nd t ani h h r n vae mo o mone ofa co tfom t Defne l. f y c un r he e
'
@
-
..
ww
Fr au d. co
'n .
.
) . t
). j ' j. .
Jj : ' .
: M . ' ?
=
y '
*.
.
: '.' J i.
' h
1 '
m
' .
Case 9:11-cv-81163-DMM Document 1-3 Entered on FLSD Docket 10/19/2011 Page 49 of 58 L.. .8 B. 12 Z . -'*. JG JS' .*.J @k .J . # I l 1 : . . P . iS' . T .
.*
. .
n f rt o he
.
' . '
su re
,
clo
re
op Fo
Fr au d. co
j ' * .zt1 .
t '
(;' '
)J ' ,
.
'
J ' r .
: '
?'' ' .
i. .
j. ')p :
1J r
'
:
.
St
..
' .
-' .
ww
w.
ExhiiQ pg 1 o 1 bt 2 f5
m
.
. .
- -
nNots Ia dt twhe t u nk e ; d ha n h:
. .
.
'
'
- -
t l he ender n e .
is e a pado t i de storce ta c nta Plit bo emon y i t su nd i m her m i r c ou t ani ' e n he Fe e Re eve Syse tubt* a rd ton ofup t tm mxe fr rsr de sr lm s j e uci oe nt o eev. rqe me s a t ne y is e-zl wa pad purua t'o wrte ore e nt) s he wl suH lt s i s p.:t itn d p. ,r
.
1 Bx e ont e f e ng,Pl e i u lg ieDefnan tsNot f i own pu s s 8. d h or goi e s s e n ' e or u > e, a i - m' t % p/ve whehe Pli i ha i le nd t nq o n t r antF s nc '
.
.
su re
.' ;
coMcLusox l
Fr au d. co
.
a f ca l so a hml ny mN il os r c
r; j . p. y. .
.
..
clo
ml ' * ,h i cu ino teea z mo e 'ln - ei teRp y n cmx o t y ' * te n lso fh lwfl n y'a g . n n h a me t l - f h
.
; .. ..
, .... :. :
. .
.:'. 1'. 1
N o e i c q ng a * t s onlx i t
ae ve.
AF I B RMATI N b
-
op Fo
re
JJ E T
.
' :
l Iher p- nn t Ipm p= d and have -.H t s Am davi and t 1belmvet 9. eby hat q h t hat i be
' =
St
c Msorc lf csi v d O d wi x'm t wlch Ihol myxl ou ' . M t ia a t nvole + s 'o l t i d f la ' ':2 qI @ rd t - = e e t c .. ut . 1 .a . a = o m sa e nt m a ordoc nt ov d d t meb t M N iswho e ttme s d. ume spr i e o y hl e s aemc 1 .?= o .t -
-e
to . t
.
w.
YAm na y as u ed. bl s m
.
0
w
s: .- :
Fz be t A m a tn ye h n ug . - r he n t a ht
>. m .; % . ;
=.
ww
m
. , .
.
ie e urr t e
t!u .( r
:' 5m 6/ -i *' DD oc
== x
- * .. )
Case 9:11-cv-81163-DMM Document 1-3 Entered on FLSD Docket 10/19/2011 Page 51 of 58 ' L, ' .. s # 1 ' i' .i* . 1 ; T .* :.% e 6 ' e 2 p B ': * S ' 1 ' '
%
Dm- be 5 200 r, 3
. .
-.- -- . --- ..
! .--.. ;
t ki ow4 t d mp i e m al l s# @hd l hu n t
AtCha Fals Ohi ge l, o
I c mbe 5, 003 N e r 2
On t da pe s ly r Y f emet e ve n me A a .whopr ve Msi ndt l y ronal mme or us he -a d nt o de y t met my s usa i a hea o e edh ssg t eo Y sAm da ti my pr s nc a o o a fcton, nd cu wldg i inaw n vi n e e e nd
op Fo
re
clo
su re
St
w.
Exhi tC ,pg 14 of 15 bi
ww
Fr au d. co
%
' c o
.
O = t c-x . R-
' . ,
%
=. . M =
z JC . J '- $
m
kr1= .
- =>
L.q .eg .2 y' . .i: -'% tS P'. 4'. 7 1 . 1. 1' g e' .. .t ..1 . s s
2 0' . 'g 5
1
1 IK yx - l 9 = m* p - ouh w v : x a - use e t la y- wpl; e l f /z oe **- - *1 sAmax t b > rw o yl< w w N i * e o e - a e b ae o - e ld- n o f v wpe e e e *o l*l pi p e f e ze l
1 5
: e 0 .
e
'
Y*M' o e Nd Y e r ' ! -1 -
>e
> CY
w- w s zx y #
1 om@t + ' -' e % .=-' H g Msd- . one amdu th e p oe * < -= e o w c- - u ddw e M e ' e e
e - -
op Fo
F olp G g
re
' yoTAkr s va M G Tz ol
x 4e x - iee v m- m -
clo
j- hr g wx xa 8
sc F oo e G u
su re
.
.
F. DD ( * 9 > . D 01 =
W * F. T< A> m@ e u w
1164 5<-A---VThm*
CY XW OX Y OO ' ( )n g 1 * , (* )3 : 1a e -1 - 4 i - 5 7 -* :u - d d G a @. zp
wa e - t o
St
gK > oo ' g fe
. . .
.:? .>
pa e teSa l f cdC/utoi lc d h 4 o s i r t s
:l B:L kL
z
ww
w.
O V/ '
Fr au d. co
I* d>
L' Q
- = R -- c
59 ' 3)
e p a- uNi u p
p w oo f
4%**
m
.
xe
r i E ( r . % # !
u me- - d w x
Aaop . c
7.012
899,605.67
PA s 7m ULEI f1 ' . '' '' ' :!t()JE!'E('EE11q'qi.ii!': ':iEi:EE'''''':''''.''-'::';'.::' '' . ' '. ' ' ' ' ' . '' :' ' '''' ''' '' ' . ' ' i.'. .I'!m '' ' ' ' ' ' . ''. EE#Eti:-:'''!i!t!E-i'ii: :: I2iE i!-::L :::'''':''A:sEi.''E. ''. ''' '' ' ' !:tt2:pi::!l ! E'i.'ili! '!E fi!!!ii ':ir' . ' E78:.2i! : ! Ep!s: '(iEEi iE 6EiiE :. iiEEi:;:: ' 5 1 E 7 :i E '. :' E i E r.l i t !i : 2 ''' ' '.F ' ' ' '' .'-r' '' .. '--'. '. ' ' ' 11 . iF ': 1EI '' . ' .. ,:! ' l - '; T' ' M : ly!2.s.:E-'':',#.Ei.,:.-.F-y: :s.!lt.!E.2.ii:l.:1.'7:. 'j.. . . ': , b?...!i,F::E!:C!i.,.:.,..:: -sI,:i.J'.-1-:-6-....: . .. . t.E... '.:;?!yg!@,!,.r!.:.:.!gi .itC:;E :i:..:..1:11::' . k2!2.t': E. :isiI!i...:.E s2 -t.gs':.. ' 8 :1.' . ! E.I!:. :. ;..j. :: . i.,-.E'g : i Ib' . s . .22 ;. i!..s E . .. q(' s:::i ..E :! i : .r .. ., 'i; ' -; . ... . - . E. !:.Eq;. . F)j.$:y1.' jg :; y : ';g t; .j . . . . ; - ' . .. . . ' . :- I'.ij.g;t '-d..j 1lIE ' . . ' ' ' E'.'jji s'g' :Ir: . E :: .i : i ' 2-. ! i.i t ,jjjjj$@E... ! :...g,jj .yy .y y.. ?4. q ,i : y: k.!!i ( : i! . . .. . : .' . , ) yjj g . y y)j ; y . . .g gjg . ; j ! ' - 414'.', -, . G ' !11E ;g:y : ..q .g .y;..g:..j. .. j ,j....j(,..,bo.f .......... .gjg. .. .j.j ' . jyr. y .j . gk . j.j;.rj:,. . ypj.g j.jk : j . ... . .j . g j, r . j r yyL j.j . yj 2.4 ' E t / : . g; .. a ..y .. . y j j 4j yj , ; 4 . 42E : : '4 !:t!;;! : ,! ! 8' 2 il'i .! 11i # . .! : :!d'E; 2 . . : :,itb(y: . .'' E' :'...ijL. i . .l1 y:g,q! !: .::E...iy ) : '.! ::?. .E :::,:;,E.: . .. E r.i q, # . ...:L::.. . : E : j. . ,..: . : l , ,.: : ,. j p . . . :!5iC$;!:5i:.j.1-.7 i .,i!! yiis::(:::.gyrj?;y.; .:gjy.jgj... g... ,... ...,.j..., . . sr.r,. .r , . E(k!.'.E.;:)h.:.E:';! :f.:: ;.E:j:,.::jyy.;.y ;:.j..;gj .. .q s..,. y.;. , .. 2,:22!.:8 :' i ,E.?i! :'4F iji!2i : ..jjy.gy'. :.:. .jj. .. .j .. :J3 : .i : . i : (-!7 : . !,,t ,-.: q :: . E 9 y. . . 1r1?::2.:.:E!(::E.?!1r;:. ., ,:,EE::,.:::b:i:y..:...!,.tgjE:.f.:.:Ej ..:..;y.:.....y.:... .j..........,..,.yj,... .... g.jgjj. jj 5.,k..::..::.2s.::(!p,i!. .. jq::::E.i-!;..:,..:;.y.!j!..y.j :E..j... .....- .. .. ...gy ::,. .. i ... lFpb :.:.4r .::Ek! E1EEi. ...hi. E. ...$.t. j ' :.: !I , . : :,Ek:i..... .........:;:E.j..:. f :tj. ... . , . :E .,.jr ., j ): i .i.;: iy. .. , ...:g:;j:,r.) :.... . jkj .. .,.. ': E . . j.. . y.. : :... ..y . , . y , j ..jky .;. j j yj . g(. j, , m . . . 1 , : ;:j . :: : . . 2.. . , ,. : . ,: i l . . . .: . : . ;jy g
T!Ei$!;:':q5!EEEi1-$h7:!:.'EkE!!!lEil2 5i'':>1: '.!.':) k: ' ; .. p.:g...: ' ...E .: ' : :. ' .: ? EEE.!jEEi:it: E::Ei'1''Ck6!EJ!riJiEs)fs$-.1,.. :.'. E . ' q. . : .': . , . ' ' : . .' q2E::r!!J!.E ?EE.i':'..! .ii)E!E: i lF E:.:/:::! :. ;:.' E t : ( .. . . ? E . !! 72 !';!). : iE!'y':: : . EE ?Ei! E ' ''t 5.i 2 ) : t . ) 'h E i i h EE1.! '. '. ?./ t i ' 'E!i)1.:y'!i::t'fE.1E:9'.I!!E:'E.lEs:iE..:/4:-p.'.:? 2: .'.:....:..: .. ;..L.::'.' : ..... .. .' .. .. . .. .., . . !EE:t,:.)!lp s'tyE;)$ :. ,!..;;E t.(!):!sziF. ..!,'.k.1l'1 : ::i i. . .!. : ...y,.:. ::.: :. i.. .. .....,. . :! :... .5:.1 .EJ . :E ; .' - k,'...i . E:EE;EE .2i...:...j. ' .: . . . E. ., . .. .--r. c .. . , :: ,. ,: ., . : ! ? ) E b. . !, E i, ., ,',. ., . i ' iE.:Eq..:.:.1'i!-. :. : ,. ,. :. : ,,. i:. : 9f. . . . E:kE . . .?::E '... . 3,4:! . !!. iE :. .E.!EiE:. : . .9.. ... sj 2 , :.:: ..:,,.. :.., '. . : . :t i:E :?22t',: .. ! .. t . . : ; :r '.. . :r . iE: h . .. .1 .rt5 , .; . 1: :: k : ., .. . .. . ,. 6 2 .;. E , i .! . t , . . ;. . . ( ' '
kI 2zEiES( r 'i!i q' ' E(F72fiJ'E''J'i Ji'FIF EFEiEliEJ f J ' ?Jt: E' E F9i ii q. 5i FE': . 'E !: 'E E ! i '2
.
.
359
4, 270. 04
.
12/01/2006
Fr au d. co
637 ,605 . 95 s
. .. ,. . . .
m
.
. . . . . ' ' .
Toa o Pameu tl f y n
1, 537 , 211.62
..
(
.
! E! . :3.:!i!:l.lE2:i:!!sE;i::.E!EiT';.il5.ifisi$!:j.!'Ej!::::yEE(;:.1EEE:EE'E2',(.:7;j:,;..,.;....!?yr..':...:Eh:::.... : ',:.:. .....,:i:'..' :!E.:i:i !;!i;i!: iq i(sEE!:.q!'i:zEi'Li;fi('(E:3i:.:(ET;:!EfE:E;...i,.:. . ..::E(.E.@(.jz.:('.t:' s.E/'. (i:it5 E :E!JE:!j:!J :fF ! 7 :$ : 'E: . C .' : '.: ETE .: ' :'. '! : !:.q : '' ' : i' . ' .'t''! :..' ... ''' . ,.. .... . . ' ... :: : .: : . ' : ' .jtj(!i:!:s:'@ fFi(:?:(fi::q:. '.EE ': . E s k i ('f: J! :E qE:E E E' E E ! . i !E2gj : y;E . ;. . si!.;iEit '; E.b! S::t!J!iEl;!:i r : :. g '.: . E ::i;J:..f..E: : .. :. : '.5rl iF'!E, !E ;t Ek! ! EE?J.E : .E: ' ! 2 i Ei i2 s . E fs l ! I !1 ' : : r i ! i : t . si :: j : 'i . : : . : :::!(:.::E .i2!(i:iEEEi)i'(C.';',:.!r:.:E!qEE;!:5t'yE::.gEig . .: E E:'E,.;if.. ..; .... :'.:;( :E . E :E!.:r:::' E!E!EEEgFif!!tErEq': :!T9 J k:E,. :E!. . , ,T ..'' i.:::J : . '. .! 2 L : .:
, ,.
..
. .
..
. ,
. .
. . .
. . ,. .
. . .... . .
'
. . .. . . .. .. .
EEEEEE('.):.:E:5El:ik:!y.2iE .iiy2q:s.;J,::(:2q:'E'E:..:: .:.E::'.':;f'.:.:,:!.:...:'.E.':E!Er.':.:.7i':::'.9:.q'' :.: ... .. ...:....':: iEiEEiE'ts6'C::qi!:E;pii2t:Ej:qEEFi:.j;::'pqp2El!(.:.i.:;.E!.2.'' ':j.'.:':: .i:.q..' .:':':;;:' .. - .. .'( :. : . .; iE':(iEE :i!E )l!iE.:il!EE:I:!iii2i:sI;:2,y i!:!:' ;:Ey::. . .'. . .j .',E... . ''. . .: ' :. '' ! E!!! ::!!!! fE!E.l2 i2: !!E('ik ;EJ' iE.!l'iE:2?!.E i : ! . :, :' .':q : .:. E (.. ! . , 2'i E(i:E:E E: '1 j!' jE . i .l i?!E ! E4i i! 9:. 2E ! ' . S :'; ;; ! ? EjE 6 ! i ! 5 !F: 'E r ! ::J q i . i i: i : ' !. ' 1 y 1 ' i E ? 2 ;f ' E i !( E i J '! E l. : E i. .J ' , . L; . ' . ' ' :; .' r . i !:!E!:!.i2sqr:.;i!i:qiq:qq.(,iiqr:q:2Eq.iqyq::Eq 5Eiq.j:.i.L:E::!:.::!.::i. .. . : . :j....(.i.::.r:..:..:.. .,r.. ....q'.. ., . .; .. .. .. .... ZE:!)i?!:!,!; EE. E!: :;:..q. i: l . :7i.!..i i::; .i!T(: L; :i. . : l:.! :: :E E! !, :E 5!: EEi ii :!.q7pE; q: :2 :;E EiE : :.:!: .L . ! :: : ;. . i ! ! i E :i : : . i q :i . . ! .! . , . . .. . . .. :, :. . .. . .. . . . . .. .
. :EEi!:'!ii,.:Ei:..,.E::EE.!E2i.:F'Ecsq.'E1:,f...f:!q!EqEq)..!:('.:':. '.:i:...;...' ' '.:''... (?.E '..'. :... ...... !;iEE.'#2.E'C:Ei.!iE$Efjf...:!..i:..!i:iJEi..;E;.5;i(:!E.:;.. :.:!. .i . .: .' .:.: q ' .; ' r.'.. . .;:, . 'l!:l3i(r::! tf''.l'5'Ei'!ti.@:E:E!E:'.:Ei':!'.: ':i..., ..' . !: E:E:ii gE l:! .E@:'.E ':..'$ :i !: :;i !! 1u)i .; ': ::i! ! : ? ! : E ' l ! . E E : Ei .!; qE:' E!E . !2i .tf . . E 1 i : 6 ' .' ' ' : 5 :2i!! :' E :.:' 5! 3q : E ! ! 1 i i . . $ E ' . k E . . . : ;. : : : ' !E . ; .. . :ifE,i'!isE !E'i!iEE.:EiyEjq.L:il,!:.:'!::.. '..:r ':; '': :.-.. . ' . . : :,.: :u. 2s2 ::!'!:::?i !EEE i:'i : qiE.ti .:E.j :' i:g.:2.iE!:. . !.(,.:. .''. '. . .i E1.(.! .q ' ! s :;E I iE::>.k ;i'j! .' E. ' !:j' ? g. . :: : : ' .. . . . .
. ' . . .. ..
' ' ....
. .
'
. . ..
. . . ..
. ....
.
'
' . .
' ,
su re
.. . .. , .
' ! :: . :t!:!E.:t)EEE?'f E:.iE(:i:5'k.?!':k:E)!('!E!E((!(.!EE!q!j,E!i:i:'%E.:::::.!..''':'.':'':-.!.'::.k.:':::..;.'i .''.E( s . )!iipl::-1i(6;!.t:: i;!!':E:Ei:!E k: EE k!:(i'E)ti:(E'?!iiE!!T..: .'..4. .:.;. ..' . . i..'. :'u :!!(:l' :!:,?';: .i?!' !E'qi:2(!;: .f :i ; : E ; : ! t g C .) . .! : . ! ' :::i$.%.i:J6:'(!'(..E?:!9':t:!.q);(.(!?Ei!:.?t.e9)'!E-'::8:ii';'E. ....;.!::z.. ''.: .. ,..... . %:(,2'.:.t':.'...: ; . Et!!ib.tt.i:E' q: '' !)$;E'l!Ei ::2!:,2:E!:E.(p.k!!t:...:z.!E. ': : ':.'!.:' .. : . : : ; :.. ' '... :)': . ' ;%E?F!! i ii?:? ' :(!2: y!:!.'i:-?: g :2!)E:)!p' :!q:.(::.;)(.;):. .: :i:: 'i) &ii( Es (t E ::?t( F:E!?'2:# ! p.!!':E:1!. !!j t:)r:!:t(: :. . ( ; : .' z E! : ; E 2 ..?' : i: . : : : !!i ': t. q ;: ' . 2: ::!! : E q: ;. !!ii:)q : :.: . . .; : iE # : ( j !, ! :; . k'.q ; ':: . : ) . !' ( : . E ) : . :.: . '' ,. . ) E. ,. :
.
. . . . ' . . : !. .. ,. . . . . .
'
iiii?i!EE'i:E!EzEE98Ey!JEE,iEi2!E5FE:(i'!E'ES!Ji!!i.FT::'':;''t'':'q'l'..'.!!:'.E!;..i''::'7'.i)..: .'' .' . ....a..j: zEiE!EF'':!iiEICiE.!.LFil!::Jr.iEi'!E:('i:iSi:;'sSF'l::EE.i!2.;'C,'.:':'::;E'E.!( $.'i...:;'.!.:.. ; q .. :.i i' tlp2L.:E ! )i:E::i .,:'!: E! !'2.. 2(L2EET!isE.! .'L. !.: . . . .: l;E.q:;:. ii! !iiE.j'i: ;E; E;EE:2!I.LJEi:isrg(E ( (!'h; . 1 qi'.' ' . s i !t i C : i ! ; . . . :;. .: : '. ; EtbE(:Ei:Ez2i!3iEsiEsFi2.iE..:si,hE!JEi:It('8lCs:fiJ; :.: ::::..:'''''.E':'':..'h'.. . .. ' ' .. . ti'E.:ti ;E.!.,JE5!E!.I:!!:':;'jq::giEi(::I:;it:7. '5(.)::. . !2! .q'. g': )E' ':...i:E.. Ei:.iF.2t :1'iE,82, ;!Ei ;E F !r(EE:;j',2lr Ei!iit: .. k. :, f . E : E ' ! : 2 ' . , E. E.: . !! F k ! t.ii,g!f2 E ; EkE :!l i; E:Ei!i:E (j 5!! .' ; t t'1 ! q . : !?T . ! i f ' .: :r. E ! 2 .:: !1f .E i t t, . 1F ti: ' ? i ' ;'' .: ..E:I:Ffij:;E 22iJC:Eik:E: E:'::'E!i! : ii!E E i! :' E .. : ': .. @.': ' z. . '.. '' r:Ti . . 2 E
. . . .. .
. .
..
.. . .
'
. .
..
. .. .
.. .
..
. ,
' .' :i.. .; ' :' ' .: i' l!6ii(!!::E:E:E!i(il!t1jir)i: i:5ii:!;!i.:t!:q?it!!.zi:5)::i:'2r?:@:Et'E!J...:tjr:!!.J:;.)g::6''.Et.i,:. '.;:it:E::,:;::.s. 'q.. ' tEEt2!!sp tl:.tiri(!..Ei?!iZ:IEh!.i:(EE!EE; tiqsiE.!:Ez2' J2$:'E,: E':q'. .rS!'i2'E..E.': !iii' ':':.. '. .:.iJ'..j :J .. !! ! '!! ) i E'l i.k!2: E F '!@ ;is : !' lz ) 'i E. ! i : q. .' t'' , :f;.:yE q ((; . :5 i ,(:i!rii ! iE: iiE! 53I )EEE ! :'Jii! J.ilEiE.i'fi::E E!!)!i :t' . ! ' 2'JE'ci !EiE ij .: h i . !l. :y ?5 ! jF ' tE t ; I s. ) i! i i h 2' iE . f t , ' J :' ':: 4 jii j :. s) l E !: i k ? .! i ! ii ' . ' ;, ' . ' . ' ' !.@1E(:!iE'2iiqi:.!t5E'!'::l...l:3E)!.i:E:':!q?r!siE:qs:t.!!:: ):.5i,tE:::J')i:::.J;!..,):;...ji. :;: .. E..s('',...qi.::.'::: i )!'2?ij' qE!qi:l:.E'E'2iil?ii!ii):EE!(E:(!:i.E!!Tlr). !y.! kEE::EE.@.;iE.ip; i :;..;':i::iF:''' .i . . ,.E!:!:'. 'T .,.. !E!i;:.EE9.! E,@(ElE:E:!.2:.Fj#!E!il::!E:i!2E!2I!:l!E!:iii' ..si5fitE:!I.!:.J. .?:::!'i'iE!i. E'. ( (,:..'.tii 'uti!:..' )!)jE (iil : i !i.z(:i. :q. !E!ttzii 5i. iil2FE .i !F': E!E:! '::E:g % ! ig:!:;>ij.t:'*l:!ik @ : ! E ':, 'i. q k : i : .... ! . .! i . ,
DE
F EATUREI
TURE
clo
:.i:iEiEE9piS!fzl!i2E!!:!22EZEE:2l:ElE1TiiFit!1iEEiCZyE!E.tEs.E:'yl::lgz!iii''!'fE'qi'yij.j ';'!.:'E'Ej::: 1j:ijiliJi:q!Eils!EiE2T5!Etj!:iE l:EE ggE!:q EEC' l'E'E 2)CjlqZj?:l lE lif!'iiE!2iE().''iiij :..: ;. . '(.. !!5i.l'E!(Ei #zE!i!!2.8! E iqi7Ei E l.E!i!iiE iiE Ej '!E ! EE!: : liil :il !z!(i ' i ' 'j ! (.'g 7.' :. i, : iEi iq!!h! iq 2 EiSE . E sl !i 1 E :i F:k !'E ip 8 ' E I' !ji E : ' .! (t . 'l C ! ! i E j i iE ; : E i :E!?1zf'illEiilgElEy!E!ICE!ii!'EEEli1ii(i:jTEk!?.ti!EE):E iEEE.EEE?5.i.iiEi!EE:!i:E:i!':31:!:. '::2'(.''k:.'.'' i!itiE.i!Ei!::!!'iEfq!iF9:!E!!Ii2iEiiiiril:!F2s fE!!EEit:2 t;jE!s.:it.:.:i!ii:E.:!i!:!::Ei... ,...:.:..iE...' EiEEiiElipll9EiE !!E! 5r!E:,E!$'jE!.!il)Es2(iEEEqE?qIg)E.( rl':ii!y!.fi')iiiEEEiijiE':k3 :$:E ':.''7:'k...i:. EiErfi:j5l!E iE! !!E!:9CEL i !if i !,E'! FjiE:3E!EEE q i::l:!:.!':.tiE2E!i. :ifid.!jq 7 ; ' 7..'':' i: ,z . E . i . E! : E !q ! E ' . .)q : i i , E 3:E . F !E i;j !i jstti; 'i . !:.EiE i:E!. :. , i . . . F(!:.J. .:. ! f ' t:C : q . , : : E :E . ! E@i :: ! : : ::..t ' (. . ! . . ! :: ' g . J E i .
.
,.
re
s Ecvlr trv: yo . gvngasc ' itrs i teprpet lc da: :34 s 21sT WAY u ii e eetn : o ry o m t W sora u Tow Z' 334:6 ! L
.
Ass r
op Fo
X $
ma as e syett ln e. cn uo s termxnn b lt d eu d roiia mota etr . y s= , u c o e drs o di n ,h e lig aaw. u n e rgn l rg g ems
FR I / NG RDU G FEES :
ww
PREPAYMENTI I yo p y olyo rla ery y u f u a f- u o n al , o X ma y wi n t l o l ha et p yap n l . v o a e nt y ma y wl n b e te t armn o p r o t ef nc c a g : ld o e d f a t f h ma e h re. S e y ar e e o o t f : @r ad na lf - s m r g deo l n o dt e a n n- m e k d f u r q ie r pa me t l f1 b f r o pl n ea h e u r d e y n n 1 eo e 1 s e ul dae dld u ts > pl 4. fe l* eme o M - a e o. t lWel er / md eM tl li ' ac - no co 'ml t lnd IW .h e a knowldgere nga rcevi ac eeeo yo t i dico ur onr mmd nto e . / erby c e adi nd e i ng omplt p f hs s ls e.
w.
TE fT APGES I o rpa e ti mo et 7. T : fy u m n s r l x 15 da slt, alt c r o y ae a. har f overdue pa nt of principal >nd interest wil ea s se . lb se s d
St
PROP I I ER'' NSU CE: P o Y r p b r in rnc i a r q ie c n io f r ti l a Yo ma p r h s t s 'nla c fo a y 's rn e ra d n u a e s e ur d o dt n o l s o n. u y u c a e hi l t n e rm n m u a c i : n r c mp nya c pa .t t1 ' d r o a c e tbl o 1 x e. * . Ha a dis r n ei a ahbetr uglh.ln . a a etma c s o $ z r n u a c s v i l l o lt e dt t n si ld o t f l r fr o y as er.
5. 00
% o te fh
J KO
*
B O ORR
/DAT E
+ . - .
B OWERIDm ORR
FLo
m CK SCOW Governor DM
EPA RTM EN T 0 S
N OF LI BRARY AND I XFODM ATI O SLRW CBS
TE
1 Ju t Rig. . dih n
i')?Die tr. vii ( Lr landI. mato % r i s Fl i .tz r co Di son ? h lc, nf $ i f or i e vce . orda
1// erce //'hatt atac d i Jtueandc rctc ps t//e e or i t Fl i St e i? r/'t he t he s r y ore o '?'h c d n he orda al Ar hie eorgialf whi ma bef nd i Se-e 49.c /?751 . c vs i n ? ch y .ou n l s f i JrT? 40
W1T U' C . SIGNA TURE.t s22n Da '?' Jr W.2011 hi d l t/1/ : .
JUDITH RI G. r t N Diecor
: k
re
clo
l l
El. Ei I
op Fo
z.. ..
/ ,((z 'y y . t . . .
'
., . ., .
-, .
' '
jl
... ..
.... ..
' ,--
. m
.)... -. ..
Fl da St ori
r vs chi e
w.
ww
St
) '
DE RECTOR* OFFI S CE R. Gr) Bul ng * 5 S( l) on ug?Ste l @Tal ls e .Ford 32 9-25 A. a . idi 00 x1lBr o l r e l a s e l ia 39 0 0 al 85 24 66 * FAX:8 0.45.28 @ TDD: 0, , 5 * htp:/ i. ssato us 0 5. 00 52 6 2 . 85 922408 t /dlsdo ot enSTATE LI BRARY OFFLORI DA 85 2 .+0 @ FAX: 0.456 44 0.45( 0 85 2 7
RECORDS MANAGEM ENT SERVI CES 85 2 . 5 @ FAX. 0.426 5 0.4567 0 85 2 1 79 .
su re
e s
.
Fr au d. co
STATE ARCHI OF FLORI VES DA 8 .45.7 0* F 85 4884 4 502 ( 0 AX; 0, .89 ,
ADMI S NITRATI CODE AND W EEKLY VE 8 .45. 7 * F 85 2456 2 502 *2 0 AX: 0. .28
P . s N. . r' . x x4%pwsm s r, l
. '
-.
I 'M E SUPREW N I
COURT OF FLORI DA
.
I FI - LED I
-
I OMAS D
t Supr e Couh Task For on ResdentalM orgage For os e Cas he em ce i i t ecl ur es.
re
clo
St
w.
ww
( 4 7 5 ;) 015 2 01
op Fo
Suie 1 0 ( 01 t 20 328 )
su re
/
'' Fl i Banker Ass aton,by and t ough is under i ed couns , Ihe orda s oci i hr t s> el
Fr au d. co
3/ Y
CLERK SUPREH
2 S 30 A I %! P l :23
m
EOT CR U
@ M @p / % k
C S N :09-1460 AE O
HAIL -
I H EREBY CERTI t a t and cor ect copy of t f egoi FY hat rue r he or ng com m ent have been s ved on The H onom bl Je f r D .Baiey, Tas For s er e nnie l k ce Chai,73 W .Fl er Steet Suie 1 r agl r , t 307,M i i Fl i 33130am , orda 4764, t s hi ay ofSept ber,2009. em
w
ww
w.
St
( 4 7 5 ;) 015 2 01
op Fo
re
clo
su re
Fr au d. co
Supr e Cour Tas For on ResdentalM ort em t k ce i i gage For os e Cases. ecl ur
I r ntoducton: i
The Fl i Ba r s ito (' ' i o orda nke sAs ocain ' FBA' s neofFlrda' ol s ta ) o i s de t r de
ass aton. Is m em ber hi i compos of m or t oci i t s p s ed e han 300 banks and snanci al
i tt i r ng i sze fom smal com m uniy banks and t it t m edi nsiutons angi n i r l t hrfs, o um
si zed banks oper i i s al part of t s at t l ge r onal f nanci atng n ever s he t e, o ar egi i al
i tt i headquart ed i Fl i or out i t sat ns iutons er n orda sde he t e. The FBA s erves is t consi ent a t cii tm s nd he tzens of t sa e of Fl i by s vi as an i ty he t t orda er ng ndusr
ww
w.
St
( 4 6 9 ;) 015 8 51
op Fo
Exhi tE,4 of 12 bi
re
clo
su re
Fr au d. co
SUM M ARY OF THE COM M EN TS The Supr e CourtTas For on ResdentalM orgage For os e Cas em k ce i i t ecl m es
(' s For e' pr pos a a nd e t Fl rdaRul ofCi lPr d e 111 t ' k c ' o es n me m nt o o i Ta ) e vi oce ur , 0 o
r r verscaton ofr i i m ort equie i i esdental gage f ecl ur com pl nt . Ihe pr or os e ai s opos ed rul doesnotef ect e iss a ed goalofdet rng pl i if t tar notentted t e f uat t t t er i antf s ha e il o
enf ce t underyi oblgaton fom brngi f ecl ur ac i . Exi tng a or he l ng i i r i ng or os e tons s i nd
sandar when t orgi not i notavaiabl a r r t courtt pr ect t ds he i nal e s l e, nd equies he o ot t m orgagor agai taddii he t ns tonalf ecl m e actons. l addii t court ha or os i n ton, he s ve
am pl aut iy t sa i l yer and l e hort o ncton aw s ender as tng i pr s seri m oper f ecl ur or os e
cl m s. ' saut iy i e i ti Fl i l and i plci i t cours i ent ai rhi hort s xplci n orda aw m i t n he t' nher
pow ert s i bad f t ltgaton. Fi l t propos am endm enti posesa o ancton aih ii i naly, he ed m
s t ntve condii pr ubs a i ton ecedentt f ec osng a r i i m ort o or l i esdental gage f ecl ur or os es a t nd hus a ppear t vi at Fl i s cons iutonal docti of separ i of s o ol e orda' tt i rne aton
POW er S.
St
op Fo
re
ww
pr ul i . om gaton'
( 458 5;) O1 6 9 1 2
w.
1.
clo
COA
su re
EN TS
f orecl ur s t Sec i 673. os e uis. t on 3091,Fl i St t es a i hes s r ngent pr or da am es, t bls ti oof
Fr au d. co
W ih r pect and appr a i f t efors of t Tas Fo t es eciton or he f t he k r and is ce t l audabl goal t pr e s, he opos am endment wil not ef ecm ed l f
at t r e he educton of i
.
l act pr i , conf i over who owns and hol t not sem s l s n ual actce uson ds he e t es
fom t f t t not m ay have been tanser ed m uli e tm es t r he act hat he e r f r tpl i han i does t
f om t f r he orm i w hi t not i t ns er ed. l i a r iy of com m er t n ch he e s ra f r t s ealt ce hat
vit l a1 pa doc rualy 1 per ument r at t a not and mort s el ed o e gage ar convert t e ed o el r c fl al os i edi el afer t l i cl ed. l vi ectoni ies m t mm at y t he oan s os ndi duall oans,as
ww
w.
St
op Fo
re
clo
su re
( 46 9;) 015851
Fr au d. co
.
Thi r e change i r s ul s ecom m ended becaus oft new econom i e he c r iy dealng w ih m orgage f ecl ur cas i an er of ealt i t t or os e es n a s ii i ecur tzaton. Fr equenty,t not has been tanser ed on m uli e l he e r f r tpl occasi pror t t def ul and flng of t f e os e. Pl ntf s ons i o he a t ii he or cl ur ai if sat asownerand hol oft not att tme offlng hasbecom e a t us der he e he i ii sgnik antis i t e cas , pari ary beca e m any fl s fl l t i t s ue n hes e tcul l us i' ie os m not count as a sandar alem atve pl ng i t com pl nt Ther s t d t i eadi n he ai . h e e ave been st i wher t dif entpl ntfs have fl s ton t e iuatons e wo fer ai if ied ui h s e not at t same tm e. Requii t pl ntf t verf is am e he i rng he ai if o iy t owner hi oft not a t tme of flng pr des i s p he e t he i ii ovi ncentve t r ew i o evi and ensur t t flng i accur e, ens est i tgaton hasbeen es hat he ii s at ur hat nvesi i made and t t t pl ntf i t owner a hol of t not . ha he ai if s he nd der he e Thi s
The r eason ' any fr s fl l t not count as a sandar ' m im ie os e s t d pl ng i t com pl nt' i becaus t physcal docum ent w eadi n he ai ' s e he i
alem atve t i
as delber el i at y
elm i ed t avoi conf on i edi el upon is conver i nat o d usi mm at y t si on t an el toni o ecr c fl ie See St e St Bank and Tr tCompany v at reet us
.
su re
-
The i or aton r ewed t verf t pl ntf saut iy t com m ence t nf m i evi o iy he ai if hort o he m orgage f ecl ur acton wilbe dr t or os e i l awn f om t s e dat r he am abase t i udes hat ncl
B.
The Pr s f Re- t blshi t Not Pr des Si oces or Es a i ng he e ovi S gnii fcant ubsantvePr ecton t t M orgagor. t i ot i o he t m ent by 1 aw
i poses a srctbur ofpr and i tuct t cour t pr ectt m ti den oof nsr s he t o ot h e oblgor f om i r
m uli e s t on t s e i t m ent Secton 673. tpl uis he am ns nl . i 3091,Fl i St ut , set orda at es s
ww
w.
St
op Fo
re
t el r c doc entand t r d oft eventof def t The verf caton he ectoni um he ecor he aul. ii i ,
clo
Fr au d. co
ofm odem
i t m entwhen l sofposs son occur ed, orhasdiecty ori r ty ns nz os es i r r l ndiec l acquied owner hi oft i tum entfom a pe on who wasentted t r s p he nsr r rs il o e or t i tum e when l sofposs si occured. nf ce he nsr nt os es on r
su re
5
becaus t i t m ent was desr e he nsm toyed, is wher t eabout cannot be s det mi er ned,ori i i t wr t s n he ongf pos si ofa unknown per on or ul ses on n s a per on t cannotbe f s hat ound ori notam nabl t se ce ofpr s s e o rvi oces
.
'
j673. 4 ,Fl.Stt ( mpha i a dlln i pr e tonma bee f c td by 30912) a a. e ss dde . s otci y fe mae
any m eans sa i f or t t cour . I com m onl t t s act y o he t t y akes t f m of a pr si i he or ovi on n
ww
l ' e l sl ur am ended Secton 673.3091 Fl 'h egi at e I i odda St m t i 2004 t addr s a es, n o es t i ues r s by t St e s' he ss aied he at / courti r ree/ n ecognii oft com m e alr iy ton he rci ealt t t al os a1 pur e m oney not ar el r caly sor and as r ed i ha m t 1 chas es e ectoni l t ed si n el t oni f m . ec r c or
( 4 69 ;) 01 5 85 1
w.
St
op Fo
re
enf orcem ent unl i nnds t ess t hat t pers requi he on red t pay t o he i t ns rum enti adequat y prot ed agai tI t m i occur by s el ect ns oss hat ght reas of a cl m by anot on ai her pers t enf on o orce t i t he ns rum ent . A dequat prot i m ay be provi by any reas e ect on ded onabl m eans. e
clo
Fr au d. co
pl ntf who enf ces a l tordesr ai if or os toyed i t entass es t rs t a t r nsrum um he ik hat hid
par y i l ful poss i of t or gi not or w ih a s t n aw ess on he i nal e t uper or i e t t ei i nt res her n
C. Court H ave St ut y and I ent Aut iy t Sancton Pl ntf s s at or nher hort o i ai if A s ertng Cl m sN otSuppored by Law orEvi s i ai t dence.
bas on i tgaton r onabl l rt cicum st ed nvesi i eas e mde he r ances -n t f sgi ng rs -i he act vi ie t t ass t cl m m ay be sa i o he ered ai nctoned ' ' upon t cour' i ta i . ' j 57. 05( ) he ts niitve ' 1 1,
Fl St . Thi samt t a. at s t e, hough s ewhatunder ed by otr court, a f dsj om us l s for udges t aut iy t i m edi el i he hort o m at y mpos si fcantpenali f brngi unf e gnii tes or i ng ounded
r fr aton ofa ti cour' i entaut iy t sa i ltgant- s fcaly eafim i ral ts nher hort o ncton ii s peci l
re
clo
su re
ww
2The pot i f sa i i i addli t t sgnik anteconom i de er ence ental or nctons s n ton o he i t c t r t brngi unaut i f ecl le actons. Pr ui cos s s o i ng horzed or ostr i es t t uch as tt e sear il ches and i ii i of t dentfcaton enant and/ s s or ubor nat lenor , t es a i flng f di e i s he caltng ii ees
r s t cos ofslng a sui i e r . ai e he t i t n r or
6
a c t ofs r c ( riulry publc ton s r c a t c omia c tof nd oss e vie pa tc a l ia i e vie nd he onc tnt os dii n s a c i t morga r no l e r i s i t cola e a)sg t nty lge t e r h f he t go ong r esde n he lt r l i nika l
( 4 6 9 ;) 015 8 51
w.
St
op Fo
Smalwood,8 So.2d 2 ,223 ( a.2002) ctng Unie St e Savn Bank v l 26 21 F1 , ii t d ats igs
Fr au d. co
See M oakel v. y
.
The Tas For Re t gi ng rs t t pr k ce por vi ie o he oposed am endm ent cl l eary s peaks t a publc polcy concem unr a ed t t pr o i i elt o he ocedur concem s of t al he
court The sat pur e- t pr vent t flng of m uli e s t on t s e s. t ed pos o e he ii tpl uis he am not i cl l a m ater of publc polcy r her t e- s eary t i i at han one of cour pr t ocedur e
.
Requii verfcaton ofa r i i m ort rng ii i esdental gage f ecl ur com pl nti or os e ai mpos a es
(eq rng ve iia i of morga f e l ur c r uii rfc ton t ge or cos e ompli whee pli if el t ant r antf ecs
Orde t Show Cause pr r o ocedur ) l publc polc f vor s ti a e de ir e f i iy a s e tng n vi ntay
.
peiin i apeii f tmporr ij to Fl.R.Ci P 1. tto s tton or e a y nuncin. a v. 610. The r i e atonal
.
w.
f r rng verfcaton t e i cl or equii ii i her s ear: '' pe ii isel and any s lhe tton t f uppori tng
.
ww
The courts decii i m ade s el on t evi i y qualt of t docum ent ' son s ol y he dentar iy he s
1 4 6 9 ;) 015 8 51
St
op Fo
re
clo
su re
7
Fr au d. co
FOR ECLO SU R E CO M PLA I TS I PLEX N TS PU BLI PO LI N M C CY W I N THE LEGI THI SLATURE' CONSTI TI S D ONAL A UTH ORI TK
bef e i. Thati nott cas her Verfca i oft f ecl ur com pl ntwil or t s he e e ii ton he or os e ai l
.
notr i t pl ntf seeki t f ecl e a r de i m orgage oft bur of eleve he ai if ng o or os esi ntal t he den pr ng by compe e and s t i evi ovi t nt ubsantal dence t i i t hol of t not hat t s he der he e s ed by t m ort ecur he gageand entted t enf cet m ort il o or he gagor' oblgaton. s i i
Verfcaton adds ltl pr ecton f t m orgagor and, r itcaly,wil ii i ite ot i or he t eals i l l notsgni i canty di i s t bur on t cours The a endm enti notneeded l m nih he den he t m s
.
orhel ul pf .
The Fl da Banker A s oci i r ori s s aton ecogni t har wor and t l zed he d k he audabl e goal of t Supr e Court Tas For on Resdental M orgage Forecl ur s he em k ce i i t os e
f hi as oned a new and i f alr e whie i i t panopl ofsgnik antand nefecm ul l gnorng he y i t s t i weapons aleady pr ded by Fl da l . ubsantve r ovi ori aw
op Fo
re
clo
su re
8
CO NCLU SIO N
A s aton r soci i espect uly r f l equess t t s Honor e Cour declne t adoptt t hat hi abl t i o he
pr opos am endm entt Fl i Rul ofCi lPr ed o orda e vi ocedur 1 11 e 0.
.
ww
( 458 5;) O1 6 9 1
w.
St
Fr au d. co
Re pe tuly s s c f l ubmitd te v
Pr dentand fEO esi ! Fl i Bnnk- A- i on orda v 1001 Thnm qvil R d,Suie 201 le t Suie 20l t TalahnR- ,FL 32303 l
Suie 1 t 200
ma c z fo i e e c m sn he@z re o.o
Fa ( 7 8 3 6 0 x: 40 ) 4 - 61
L ' ; 6 1 ) L '
comm ent have been ser s ved on n e Honor e Jennier D Baiey,Tas Force abl f l k
.
'
op Fo
re
Chai,73 W .Fl erSteet Suie 1307,M i i Fl i 331 4764, t s 28t day r agl r , t sm , orda 30hi h
clo
ww
w.
1 4 6 9 :) 015 : 51
St
su re
*
9
. *jj / ws n t
Fr au d. co
( 32801 )
Vigi B.Townes,Esquie r r Fl i Bar N o. 361879 or d ; AKE N ,SEN TERFI TT 420 Sout Or h angeA venue
0039153879
r FsB
Ex e l lmt dcl c tnc ,tc lw'r ie uft'ku pesnts vtl std'' $!?i tciatl s da :beorzte cpt n l t r nsa es ' a' equrs h v'r r e c:'ll ki $l / , ' lt eat 5 qi f f i e ct h n p it i tl k i o l cfutv daeoftan br ora cosn Yourne 'sr ce T lalt sadv t snatc nol(- t ai 1 da afe t l cfecl fe le t r sf , t l lg s' evl r nus s) e 'u hl lc 4lr h : 5 vs tr l s f tve f a
Iy ul v a yq ctlsflt gt ttt n fr('cvzn.ll'l t pr.,.t.$xc'ai t o ' c n u sln ' al o hrr s ps 7llg ''y .r t4;1,'.olc 1 l a k e n a k 1 ' r s oh .- ( l 1 . r a , Customer Servtce at 877-266-7208 ' 8 am a l 5 MST pm o t sfll : ua Monday - F' nt n ht kl l lys owlg rtday
Yourn .s r.u y'1be AIRORA LOAN SERVICES ev' c xIcr ': . 1 J 'he b l s a es f yourn s vlefl P O . BCX 17O6 f usne s ddr s or ew er c s % 7
customer Servxce
bewee t n
S al pa nt dueon orafe t a daet yo nc s vler end l ymc s tr h t t o ur w cr c Th tan f rofs r cl rght ma a fc t tr of(rt ct tnu. Iv lrbl1 ttn t t ge 1f ordlabll l k a c e r se e vl ng l s y fc t he e ms 3 he A l td sa l lt A' al ga :e r l y r s lt nsl nc y r ora ote t ofo l all t a c l te f l ng ma r ny h r ypc pton nst nc n h blowl r nnc
Th d t ta y u p ee tsrle wl so ao plgp ym nsfo y ul 11 l (6 e ae h t o r rs n evc ' l lp c etn a :e l rm o s r l / 5/) Th daeta yo rn w s voe wl1s r ace tl pa me t fonyo l 11/1 06 e t h t u e er l r l t t c plg y ns rr u s a l 5/
a you s oul tkct t lt n a l l I ltk u.r gt nd h d a h< ' iwlg cton o nal an syc a r tl n y
te n P o c ue Ac S ( 2U SU S cTn2)5 et mc t r c d rs t PA) 1 l e l t)) o ( : Du ngl 6 da p ld Illwlg tecfct td tl ftt tatl 't:tcIln $ vl.t. flll pa l rccvr l v(ur rl hc o- y ero ' l n l f : l ako h rrsbr ) i i c: k.' lt ymt ' l d p..') o : e v ' 'c a iq. n nt c 0l s vcrbefr ,sdu d t ma not te e b tl ni I sr -c a'lt 1n a1'#t#t.nbb Inpoe on$o'' d erle - e t e ae y be ratd k lk q ot cv' : qat 1d ;t t.7al tt e t sd ,l o t w n u l t. z' . ' .t
Scln6o- S A (2U SC Scln205fvl'tcrancnunr7g l 1n'Lcd''ul-dwrtnJqett ct f P 1 o RE ttl 6 2 z t y t ctl thre :hs !.'sn a ' ali ' t t us'o t )j sr l o . 't . q tc le
y la sr cc c ccnlg tcs vl ngofJot ' npqotrg:.cll -:pr .kt'(1ujt .'rtt a noBrdgmcnt$l n our on evl r on r n h cr cl ' : , 'l' e.'c'ut oxl-.' :'-k ltn ck l ' r aa 'j . q ,, . v ) t e .t $ hl 20 Busn s Days ofr ccp ofy t r qu s A 'ka l elLltelI quk t y , .:lt1 u :. s-,.k)t ottr tan 1ple (); lcs ' ' e lt otr e u t 'lall k N Ill ' ? ' s 1 q $t' & . )nJ. c- h! h jli ) , i r s' ': . . ' . I t: 1 pa ntco n or ot r pa l ntmc u s ple 1) tt s r ,,! Nhlz luiuc .)t .(r'al1di lu tnknbt,f' vot yme upo he yn e dlm up ld ,' le e N 02' s cl - kls ' t: )u 1 k Ll kl tr t d t , -. , l ' l ( z t ut i r ras frt r es 1' u wan t sn a'q !f w'rtcl:sus- r ,liyt' :7 'l1 (J)ou l l l mu!Icsntt c ons o he equ t tyo t o cd 'ua lI lt h c'c . egtkil u '. .', ) r oi t s ' ' o lc i ' ' . t' '. 7 ' J n, . c I t sa es hl ddr s : P 0 BOX 1706
SCOTTSBLUFF, NE 69363-1706
ww
w.
St
Notlt ta 60 Bus sDa at rxcvmg yo r ue t you s r l rmus ma a a o lt c r cl t your aer h n mes ys fcr t t ur cq s, r e vce t kc ny ppr prac or e tons o ac oun an mts p ovl you wlh a wrt clrtc ton r ar ng a dlp e Dt lg tl 6 Busn Da D rod y c t d lt r de t lt a l a l cg dl ny s ut l n hs o- l ss y l our cn i r s vl rma n pr d l o mai t a o nsmlr r po tng a c co er ng a ov due p ynkntr lt d t s h pt l or cr ce y ot oxle nf r ton o o t c e rh gmy nc nk ny er a - ea e o u rod e
q li wrtt r es Howe r tusdoe nolpr vey t s r ce toll1pltng f e l u e l p op gr dscqs u er(e ual ed lt equ t f m ve , l s e lt he e vt r - l 1 tat br cos r f r er oun lt nd h 'r i
morg e do r nt tag cune s A Bu l s Da I a d y on whch tc of c o'h bu e s ells u eope)t?tt p.bl f u r'n u s att l l :1 sne s y s ny a l h c s ftc sl s rtL' r l l t it . o: arllg n ulstnt y t t c al l ot!sbu l s f nc l t sne s u tons Se l 6 (tRESPA alo pr vl s l rdamag an c t i ldl duas orclq e otldl du sl cr umsan s rhe e clon )' s o de o ' es d oss br n vl l a s s ' n vl al n lc t ce v r s vler arls ou' t hk vl ac l r qulencns oit atSezly Yoa s oul s ek lh k' ' e l yo belv yo rgh s cr c s k h n o t oltd hc c r ltt * h ve k tn t h d e tll ii l t u ie e ur k t t 2l u c ' N ha be vl acd ve en olt '
op Fo
You sh d as be a e of tt f l v n l tlnl t y, k'.h . s ot ))no!',.;! I1St tkn 6 of1 Rtl Esc oul lo war hl ol : y n kr a ln '!' ' ct l l l u .ti! l t l) oy t y4k s ' ! 1 2 c hc rl lt . l l
re
clo
su re
a t
SCOTTSBLUFF , lE 69363-1706 . 4 The tl-r e o col tcalt cp o lre r l ec l el honenu erofyo ne s vierl 80O-550-0508 mb 'ur w cr c s I you h e a qu tt r l l t t ta fl ofs vcl t yo n s r c cal f av ny Tslns eat o hc r nst er l ng o ur ew e vler l x ng r Monday - Friday
Fr au d. co
800-550-0508
f? #9-- 6 . ./ oD / ? nl re t
You a c he e notted* tatte s r cng kfytu norg c la a t tl.t rghlt c lctpa z nt fon you.l btlg r r by y i h l c vll ) lr a lag o n ha s he l ( ole yn e s r l a 3 s ln a sg d,s d oreanse r d fom . s lne ol fr e r
J l J. a om Kol n
RE:
Fr au d. co
e,,. - -- -
' --- - - --
m
DearM r K or . mxn:
Kn r Wushe LLP( - pe o l pr de y wihvaiusd lme t,ifr ton b l tc r KW LLP) rviusy ovi d ou t ro ocl ns nomxi
a d s l ur si wrtng on M a c 2 201 Ap i 23 201 M a 1 ,2 0, un 9, 0 a nd ic os e n ii r h 4, 0, rl , 0, y 8 01 l e 201 nd Sept m ber 1 2010. e ,
op Fo
' ' -'' ' -
xp u.. :
.
Fo smpl fnua i uie r g r i t sr ii oft la tla is ,pla ec ntc o r i e a t lnq r s e a dng he e vcng he o n s t s ue e s o a t ur CusomerSe ceRepr ent i att addr s i t Ite hea >k e. b c li 400 5 0v -' .t rvi es atves he es n he e tr d qy , y a1ng - 5 pr ''
' . . .
re
l you h vene c nc m sl a i t t e s r cng oft e a v -ef r n o l n a c un a pl e f a w o e vltng o h e vi i h bo e r e e c d oa c o t eas des i yourconcem si wrtngt usi catng t r onsyou belevet aco crbe n ii o ndi i he eas i ho ounti i e r . s n r or Conw ponde s d bes t t addr i t lte head above. ncm houl ent o he ess n he e tr
clo
'
05 08
,- ., -
Si nc l y,
k
i
bnn nptyrrceve abn ml c dic r oft sde ,t scommuniai i no a kr c e i d nt pty shage hi bt hi c ton s t n
ww
at temptt c lc t de agans you pe s ly,buti notc ofapos i ee or o ole t he bt i t r ona l s ie sbl nf ceme nt oft le a i tt c lt r lpr ry. he i n ga ns he ol e a ope t
w.
Aur aLoa Se v c si adeb c l c o . or Loa Se vi si atm ptngt cbl f or n r ie s t ole t r Aur a n r ce s te i o l %' deb a a l or ai n pb ni d wilbeus d f t pur e Howe r i you ar i t nd ny ' m tp l ne l nf e or hat' pos . ve ; f n
St
= : ,: A R Ab Ns w lE uc 7$ % u oq oA e c s u . :
x bi, g 1o 1 hi t p f
su re
-
J . 'I 10/19/2011 xI ; b I II Il I ' Case 9:11-cv-81163-DMM Document 1-4 Entered on FLSD Docket l 1 :l I: Page 10 of 53
a$= Rcrl Rqetd y / - .c eo n eus ar - k/k dg e A ROR L Ns : ( p U A OA ouc s . ) . x a
w. n
.
C FN 2O O ' 13a 2V5 G 9L: OR BK 2D 4G2 PG 02* 73 R E ADEI (J/ 1 2( J 1 11:. E X I M 2.5 XB 6: r eal s l fou . Pl da 8 . o eacl r aty ort '
Wh Re redR en cod
eunT : tr o
.' .' .
Sh cC i6 5t.xk (I K & I% P'R a z t ;. , r . u ; I OLk ' .G t)tf:;$ - ' .''QR > e . f' ' '',: r 1': q r !? 8 ' r;i? Fs t
ME # 1* 2 . 3 93$ V # 1. 1 .7.37 RS ; 9 N40 35 1 RU : .1 6 86 / * : 89. . Dgeo Ar ia n: n :e.. x9 l f p g ma lJve 12() s :RONI REGITF QN SY M As inm MORT sg f GAGEEL I C EC S R ! STE S l AsNOMI ATI lt. ROTHLR O .F AF ANK SB. EDERA V VI BAN l SJ X RSANDASBGNS NEFFORlE4/ B I NC I AN fS L NGS K rS SCDECK a 3 Q95.i 3 i4 t 3 V 4 EAVENUEI . S W 1 1OCAL .FL 3 4 UI 0 : A 4 74 Asir l AURO!A L SERVIZSL Ca 2 7COL EGE P K SCOW SB UFF KE 6 3 Bgi ) e OAN C L t 61 L AR Ex ll dg J I JK 9 61 pxt y:OHN ORMAN AMA EDMA J NED B Hl S e RRI N OI Y S SPOUSE C
. FS AFE B, DERALSAVI B NBS ANK Da e f r a : / W2 l g ge 2 0 ty Q 1 r ( X n / t t n 0 0 g /D i O 7 jd ( l No :o Mo t* 1 09Pam XeRv r l : 1 / 1d ) I B kie R ie 2 94 Pu e i r : Z O asl l l n y oo ns - t nd .2 0* 0 7 5 I l B az. Fo i 5: a t: lr l da Prp fyAd fs !93 SW 21 WAY.B RA .FL 3 4 6 o et e s 4 ST OCA TON 38 L sa: OT S e BL REOF R F CORP / S TON DO GORDI TO MAPl L P 8ITOCKT BRAMAL A UNII F.BOCA RWON . EGONOADDII P.U..AG OR G - IE . A5IECORX D N 4 NG BEA COUNW ,IL D GH bAfBOOK4 , GE1 9OFT P A I R/CORDS OFPA l 7 PA 3 HC UI C LM DORIA.
clo
ee f n rleMo ga e - s u de t d i . r l TcH yetr)TzIOLetem i Mo g oa Noe al as tes iprp n vnut !:qr inuzot a. OtAVEAN( OltiDji =iMod ag nd t rl fo b ad f e v t htIk''eu h ffv f i n kp .c . l s te l h emsc nan h ad n a ea dNte. t uj o 8 d gg a l ' f t MORT GAGEEL TRONI REGITRA ON SY EMS'I h.NOMI EJORLEIAhl )IRSE EC C S TI ST NC n NEI' . 8h hBRO .E I ' ANK. E AF SB, EDERALSAVNGSI NKl 53UCCCS I M T' - SORSANDASSI GNS ons.oBh.(( l t .19 l m 2) m'v' mtr k'+.: . 4% t $y q ! A. ! /kz , :'y k 4 .r.oa )4 . k .lF ,..cj ' r ' x;.: .
i :OD Ei i -' 3 y . I E OR ) IL. M cOI Z '
. .
Mowpfwtv l v vi n l
ANVF I-LOR
' /
r:z ux-k- w r - . =
op Fo
* - LM ARARAS
M 1 T' e N. l *# 1 * &qr
ww
w.
St
re
wfq s y ss
k s-' k '
su re
z. @z. c j .y rI . ; lt ,rh.t t L? .'.jrN.q '' ,z. .l tf s l ;f : l,x .y5 p: . 1 9 oa $ k hV'r f/, $tv%.j.-,,.Wm , 4 . , 6fl' . yLy. th tz '.g' ,, 'rg s -g . : A.
. .
. zr4.1 rvb y.1 I .n z. 7 b ' 9
NOW S SENF h t o s ealnQ t t f S i ni r p fx m bK @ cAL dv u beHE leajn p italnccvd at dAsleuz o V Nat No/x msDOL ARSa d ter o d LMENBYT SEPRE h f d l L n o h #b afnn e e l Onsd so o adeb nrbaeu t teaxv o.tofc it n sfiino u wtc i ee y c awlala mey k Ast n r er yayl t o o t tle f h e ep a d uf e f tb s c i k o dg d a l i n l leag k nme e nB me Al in e, r d Mol g q x t omer t l Noo4 oee e lp o e id beswy ( e- * - a . sv e me s eg wl l t : lr vd n e fn t td s l Noe) . d a f e gB h $K 0(Xt1 et it -1 S tedtee y tg ter t eIw n y nc lwiloahnmaoiiatrbi lsdt f 5 .X (h w ner l ecl h rb . o eh r h lf o '.s cNteh vaga yhen l r cpa uml a qe f n t l e O h l wi s ) e ng fl t n r fa piexmq o w l ll l c orhigia dtd t fofan leflb rnloi !tepa r ax oi 1tc( e a t a dpo /o tofi z t a b s c n#n d f pe s le sgmr eul entar1e v y t tli a1h mv n ns n rv s h en ocan n us l aiAa ir i fb gpfi ! c n ewont tie n w he h ey l d s z . tfi l q sg c G'Aslr):t n l a id r lhkh : s tnu ') st'* ' ekil al l jt b e t
'U 5J l'
Fr au d. co
ASSI GNMENT PREP AOROM L SERVI OAN CES P, Bo 17 6 O. x 0 Sc ts ufNE 6 6 1 6 otblfv 93 1.70
ar a r e g t reta h /h- e e xue tes rk ihr d ira t z de p ut,a tmt y < oki d e / n h ere h e s h e Al i mn hi/ethB sgutr okh l srmtn y xlftds ar n i rhl ut e a aiy ndl b sb / k ir ue r$eI tu tt p s flofhee tf t be af whi 'ep ro t)p-e i l a p hu e en . t ni up) h so c i p scs ' t n hh u e- tdtei-u r. x e h rl mel o t '
.
R 1 DITZ NE E &Q8 Wp%Q tW i : VX Q Q I
'
Pmp rtBy Re n G:lAU AL SE VCE 2 1 C LELf/ K,P(B 1( s J-stt G *t o I N ' t i T : 3a1l63 41.5 I RQR QM R I : 6 Z @L EJ AR 3 O/ 7M, (i .l) . ?Z 9 6-e0 : 53% ' J T %. .
op Fo
ww
w.
St
re
clo
su re
Fr au d. co
tt:at .ti l eg :l f: u ci i s il l a ca a '
WINESSmyI XI c er a s a T ' ad f b c l OI el
oNetarayera#apar T ODORES I, c-fsn.oxn lkxw lfe(rl u ( m: f v p p snl pe ed HE k CHULZViep:ietpf a frn Qn cpovto y o tebssoFjfd relec) betepeot) es fmesi/l spwre lt Btiisu n nh ad fasa ey vd het l x unswt e' t)t v l ci doh chfntmet v ts t w l l b b a e l r
M ac 24,2 0 rh 01
ww
w.
Thi 1w rr a i lwye sa e n d btc le t s,a tl i nota a mp t c lc a s a lm nd ? a r r ot e o lcor nd h s s n qe ! o ole t ny de t Howe r a y i o ma i obti d ma beus d f rt p po e o de tc lci n. b ve , n nf r ton ane y e o he ur s s f b ole to
A p yof s a e e t f r t s de , whi h w11 i c t t a ount of t de a d r l t d a f t t m n hi bt c 1 ndi a e he m he bt n e a e i o m a i i be ng ge r t d an wilbe pr vi d t you un r s ar e c ve . The pa f nf r ton, s i ne a e d l o de o de ep at o r yof sat m enti udes i orantaddii i or aton. te ncl m t tonal nf m i '
C ALI O R NI F A 1 LIN O 1 L S W A S H IN G T O N , C. D:
St
op Fo
r fr nc d matr Thi i n a a tmptt c l c ade . Thi lte r s nd t you A/ ee e e te . s s ot n te o ole t bt s etr e po s o r fdavt
re
clo
Exhi t1 pg 1 of5 bi ,
su re
J nJ Kor oh . man
Fr au d. co
K hr W ut l scher LLP
j x.8 6 5 19 0 a (6 ) 8 -3 2
w ww . ll om kw-lxc
Te.8 8 3 95 8 l (8 ) 3 -2 2
A. om Shut l1 t
Co i eAnal t mplanc ys
He c i youp ytea n e,f a h mounti c tdo t pa f sae nta aj t ntma bene e sr ndiae n he yof ttme , n dusme y c say
a trAu or r c i s you pa n ,i whih e ntAur r wili or yo be oy de stn fe r a e eve r yme t n c ve o a l nf m u f e po ii g any c heck f colecton. or l i
Fo f r h ri o m a i n, e e c nt c : r u t e nf r to pl u o a t
.
Tee h n :(0 )5 0 0 0 lp o e 8 0 5 - 5 8
Aur r h s te rgh t e o c t Not e de i t de ,a ha t rg t r eve o a a h i t o nf r e he e vi ncng he bt nd s he iht o ec i pa ptoft de f an onbe l ,ft o ro t de . yme he bt or d hafo he wne f he bt
The n m e o t c r ntowne oft de i :Le a f he ur e r he bt s hman Br t r Hol ng I .745 Se n h Ave , o he s di s nc ve t . 7t1 oo , w Yo k, 1 9. . Fl r Ne 1 r NY 001
Thena a a rs o i orgna ce ori:Le nBr hesBa FSB.400Prfs ina me nd dde s f he ii l rdt s hma ot r nk, oe so l
Drve Suie500, ihes r M D 208 i , t Gat r bu g, 79.
Pl a e not t t t i lte a d t e r l t d doc e ? a e pr vi d f i or auona pur s s es e ha h s e t r n h e a e um n r o de or nf m l e po on y,a i r s e t yo l i r I yo a e m a ng pa e t o t d bt pu s n t a l nd n e pons o tr nquiy. f u r ki ym n s n he e r ua t o Ch pt r 1 ba kr pt y pl n,pl e a s no e t tt e doc e t m a notr fe tde l e t a e 3 n u c a e s lo t ha h um n s y e l c ve opm n s t tma r c nty ha oc = e i c eci wihyo Cha t r1 ba nl c I s h a c s ha y e e l ve c d n onn ton t ur p e 3 nk pty. n uc a e, pl e cont usf t m os up t dat H or aton. eas act or he t o e m i '
ww
w.
Seto 6 o RES A (2U. C. 2 0 )rq ie t a a 'u lfe wrt n rq e t mu t cin f P 1 S. j 6 $ e u rs h t q aiid ie e u s' s t rlt t te s rii oft s j c la a s ul i l a sae n o t ruo t eae o h evcng he ube t o n, nd ho d ncude ttme t f he e ns he
boro rbeive t a c nti i e r r M a pfyo q si sdo n r lt t t s r ii g r we le s he c ou s n ro . ny ur ue ton ot eae o he e vc n
St
op Fo
re
Exhi t1 pg 2 of5 bi ,
clo
su re
Au or Cusome Se v c r a t r rip 261 Cole Pa k 7 lge r Pos Of i e Bo 1 t fc x 706 Sc ts uf, b a ka693 1 o tbl Ne r s 63- 706
Fr au d. co
A.om S t J l hut
K ahr W ut hertLP l sc
Yot c mmuniain tte Midavt Re dsin o synalze and H al St e nto i o r c to ild l i, s so f k t r n atme f
Facs i va e a i ous an c s que ty Aur a i no a e t ds r wha i i en d t s gu , mb gu d on e n l or s t bl o icen t s nt de Wih a tona ca iia n fo you. ve t ls , o adoe nota ho i et r va of tout ddii l lrfc do r m Ne rhee s Aur r s ut rz he emo l
r vi v. e eN
ww
w.
ofrc i ,alwsyou t prs t tAurr a c ps ' rona la lt j nty o sve al e ept lo o eume ha oa' c e t ' s l ibiiy oi l r e r ly pe
e e n lt quaii i xtr a o lfed r muniy a d wave ofa y de ii rg t ofr me .'No doe Aur a t n i r n cson i h s e dy ' r s or
a e t b bou by a y ofyo fc ii r me e a / rda a e .Si l , your uniat al gre o e nd n ur ittous e dis nd o m g- mpy s l er
St
Yo r q s t ' n lpo t neFo e l u e'i va e a guo a un up td by ur e ue t o ' ce/ spo Ca r cos r ' s gu , mbi us nd s pore a y f c s o e de e fom yo A c o di y,s h un upp t d a l ga i ns a e de e a we n a t r vi nc r u. c r ngl uc s ore le to r ni d nd h r b de a t t yo s c fca l e um e a e w h tyou be i ve t be f a ul nton t s l n. e e y m pd ha u pe ii ly n r t a le o r ud e hi oa a pr vi s h i o mal n t t i ofi e I r s s t t i r qu s , Au o asae t tac y nd o de uc nf r to o h s fc . n e pon e o hs e e t r r t ts ha op oft no ea Se u iy I s me ,i l l a la nd a / rrde s whi you exec ed t he t nd c rt n % nt ncudng 1 dde a nd o i r , ch ut o r c i t l n,a e e l s d wih tzslte .Aur r sae t a i i t c r ts r c r m ast e eve he oa r nc o e t li e tr o a tts h t t s he u r n e vie , er s M c ra ors s r c roftlsl a a t tt c r n o e o t e l n i i e ii d i t e e nd/ ub-e vie ii o n nd ha he m e t wn r f h oa s d ntf e n he t xtbo d s l s e a ve As t s l c r lor ha t e x i c o m s bo . he evie ,Atr a s hedg t en or e t not e de ht o f c he e vi ndng t d bt a h& t rg t r eve pa e toft e de f a o b ha foft owne ofte he e , nd s he i ht o ec i m n h bt or nd n e l he r h de . Aur r flt r s a e t ta c y of t l n hit y i e l e w ih t i l te f bt o a l he t t s ha op r he oa sor s nc os d t h s e t r oryotr l I no wa do Aur at cty a e t tf iu et r s n y es or a il gr e ha al r o e pondt you wihi t ny- da s o t n we t one y
op Fo
re
atryou r c i t sl te you r mo te fa dulntfln r c di , i a a s nd pr f o fe e eve hi etr e ve h r u e ii g/e or ng f ny, nd e oo f r novalt tls of i ei o li fce.
clo
Flrhe ,yo e fca Notc o Fr ud.i va e,a guou an uns red b a y lt r ur ii l ie f a , s gu mbi s d uppo t y n Of fc ore d efom yo Ac or ng y, uc uns ore al g to a ede e a wehe e y a? vienc r u. c di l s h upp td le a ins r ni d nd rb d m a t tyo s ii a l e um e a e w ha yo be i ve t b fa te on tl l n, and e nd ha u pec fc ly n r t t u le o e r udtl nt l s oa i
su re
Fr au d. co
A.om S ut Jl h . t
fbr paz/afoz Datdlul 9 200 ' m o at As i nto o t ge ' pr zc zx e y , 8: ' Co r e sgnme fM rga .'
'
I y u ae se ig t efcu t te rlae o te mo ta ed e o tu t (sc rt f o r e kn o fe tae h ee s f h rg g /e d f r s 'e ui d y isnme t)a d c n elto o ten t ta sc rstea o ec pin h me la n w b i g n t l n' n a c lain f h pe h t e ue h b v -a t o o n o en ' o sM c d b Aurr yo rqu s i h rby rj ce f te ra on t tyou ha notmad e e y oa. ur e e t s ee ee td or h e s ha ve e
ww
w.
Due t t nat e ofyourcom mlpi i we sr y r o he ur l catons, tongl ecom m end t you consul wih hat t t al a a tr y a outyourh oc l to ne b omel n dg s o i ai nsa la ii s I you ar ad ha lga oa ht, blg to nd ib lde . f le y ve e l c ns l r prs ntng you, plue p o de t er c t c i f mai s t a f t r ou e e e e i e r vi h i on a t n or ton o h t urhe comm uni i can be s diecty t t , vi . catons ent r l o hati dual ndi
St
pa e a c d ng t t c r c ua t r s of yo ho e l n.Th r f e,yo a e e c ed t ym nt c or i o he onta t l e m ur m oa e e or u r xpe t o c ompl wih t c ka t ltr a pr vii ofyou homel n. y t he on cua e ms nd o sons r oa
F rsmpefcu liq iisrg ri g, esr iigo tela s a is e pe s c na t o i l a ta n ure e adn t evcn f h o ntl tsu , lae o tc h
Exhbi 1 pg 4 of t,
op Fo
re
clo
su re
Fr au d. co
A. om Shut Jl t
Odgi ton a t un r i an co i oft l n ta a i qu to s d be nai nd he de wrdng d l sng he oa r ns cton esi ns houl diect t r ed o: Exe u i Commt c ton c tve ' mi ai s 10 Pa k M e do Drve 350 r a ws i Lite o Coor do801 4 tlt n, l a 2
Tee h n :(6 )4 0 3 6 lp o e 8 6 2 - 1 7
a bove.
Ot l s ,pla ec ntc teund rine a t a esa ortlp hewie e s o a t h esg d t he ddrs nd/ ee honen umbe #ve r n
I yo a e i e e t d i r q s i a l a m o f c i pl a e fl out t e l s d f u r nt r s e n e ue tng o n dii aton, e s ll ' he nc o e
bea l t ma t s pa en s b e o ke ho e m t .
op Fo
re
clo
Bo rsF n n il ttme t a drtr i t t eu d rin d Alo pe p o ie ()c pe nowe ' i a ca S ae n, n eu n t o h n esg e . s , l%e rvd : 1 o is o teb ro rsp y tb f rtels t mo ts ()i teb ro ri sl-mpo e , o lt f h orwe' a su s o h a two nh ; 2 fh or we s efe ly d c mpee c pe o teb ro fstxrtrsf rtels t y as ()c je o teborwe ' c mpee o is f h or we ' a eu n o h a two e r; 3 o is f h ro rs o lt b n sae nsfrtels t mo ts a d ()ah r s i lt r e p nnn wh teb ro r a k ttme t o h at wo nh ' n 4 ad hp et , x lllg y h or we , e '
su re
N
A. o Shut J hn t
Complanc Wna/ l i e N
'
Enc .
w.
St
Exhi t1 pg 5 of5 bi ,
ww
Fr au d. co
-
: .
A.o S t J hn hut
De rJ n J Kor a a oh . m n:
clo
As e a , e r e Aur aLo nSevie l e o s CAu a' n on ci t he r ) above- nn yourcelwerpasnt a r is awy r cr LLCd btcor ' i c ne t wih t on m e ma t r Thi l w tr n t l e s a e no e ol d t . s im d a r t l at temptt c l c o ole t e t s a t s i no a c or , nd hi s t n a d bt H o e r n nf r a , m t d a de tco lc i . 'hi l te .e ponve oa y ruo il don obt i cam nsbe us d f t pu pos of b le ton r ny e t rr s we t youi ntte i omm a ne to y p p e or he r e s ds c uni i ur t y ed y 2 2010 and J y 19,2010, c e ofwhih a e i c u d h r f ry c e oredl dat Jul 1 , ul opi s c r n l de e e o our onv ni nc e e
.
ww
w.
Iladdii we i uded w i ou pro c r s nde e a c plt c py of t e l r ton, ncl t r i r ore po nc h om e e o h org na i n fl f t l n r f r nc d a ove i cl n wihou Im ia i c es of t e noa i i to ie or he oa e e e e b n udi g t t i t ton opi h oe tn s c i isr me t dicos e , a ia i n ma e i s c e t r p t e urt n tu n s l urs pplc to , t ral, r di e ors y , wrtng dooument , s , under ii appr s s and cl ng document . W e alo i aial, osi s s nduded wih our pxi cor es t or r pondence a de ai tl pa m e th sor f rt a l an W e a s de c i d t c r nthol e a s r i e oft d bt e y n it y o h t o . lo s rbe he ure d r nd e v c r he e t d na o t c r n own me f he ure t er he o t e de ,t na a d a r s of t orgi c e t , f h bt he me n dd e s he i nal r dio p ovi d a ii na i or to a d d ume ai e d nci orot r s ve iyi t e, a t r de dd to l nf ma i n n oc ntton vie ng rde nd he wle rf ng h b I s r, we pr vi d you w ih e e i i o m a i n a doc e t to r ga di g t . n ho t o de t xt nsve nf r to nd um n a i n e r n he owne s i o i na i a s r ii oft el n i ce ra d c cielngu ge r hp, rgi ton, nd e vcng h oa , n la n on s a a .
a d s ul i l easae entoft r onsyoubelevet accounto tesoj c homelan n ho d ncud ttm on i i er re t ig f h ub o he e% i he s n r I r viw i g yo c ur omm u c ni n e e n ai s,youdono a pe rt ma a yrqu t o r s a is e rltdt to tont) t p a o ke n e ess r aie ny su s eae o h
.
St
op Fo
evi l ovi t i um s nf r ton n s l u e n wrt W e pr ousy pr ded you w ih varous doc ent , i o m a i a d di c os r s i ii ng on M ar 24,2010,A prl23, 201 M ay 18,2010, J 9,2010 and Jul 1 ch i y 2, 201 a a k ag i t t y u plms r e t os0, e c r f l une s a n ha o e e eviw h e i ms a euly 0, nd t . W e be i ve yo c nc r we e le ur o e ns r a e s d i ou pro c qe po n e a d t doc m e t a i or a i we pr vi d w ih i ddrs e n r ir o s nde c : n he u n s nd nf m ton o de t t . A c py ofo pro c r e pon nc i l cl de a i he ef ryo ea eo r f rnc o ur i r o r s de e s n u d ga n r o ur s f e ee e .
CALI O R N l - I Ll O I F A L N S
re
su re
-
R E: Vari Com m uni i oug catons Borrower Jol J.K orm an and Pam el K or an s: m a m Pr per y Loc ton:934 SW 21 tW a ,Boc Rat FL 3 6 o t ai s y L a on, 348 oan No.0039153879
W A S H l G T O N ,D . C. N
Fr au d. co
Em iyGar l l rson
Vi R e ul M a l a g ar i
The Loop CenerBui n t l g di 105 W .Madion Steet s r Sui 2100 t e Chiago,Ii s 60602 c lnoi l
Page2 of2
a e s ns r nttes t r ha o a. t yourcomm uni c s a o isons ofp r o o e ii o he t n Aur r W e f t not hat c t nd m s i urher e aierscig r ae algai sa ai f lt me i a is orpurored tonvia eltd le ton g n ai o nton ny sue t) n nd p t er r ai t te s ror eltng o h of t e m orga l n r f r nc d a e. To t e e t t t h t ge oa e e e e bov sa e nt i yo t t me s n he xt n ha r l tr o it of a e a ins e l ong ng f n t r y r a ot r s , Aur u d tesc nss a l galg to of wr doi o a y na u e b Au or or he wie or e e you le to , a r s cf ly rqu t t a you r viw t e a ni r i ns nd e pe tul e ess h t d e e h o ume t a i f ma i n p ovi e w i t s a i ora p e cu c n s nd n or to r d d t hi n h ny r vi e pln tona cl f aton. x a a i nd mik i s c re pon n f rf t r o r s de ce o urhe
srlio s poss jc l na i tada sr ic rc a unsppotbl alegai r ltng evi ngofte d et oa nd nse set n ore t nd u ra e l tons ea i c h ub s ey t up e ol
h a l ge Ne etee s s bett a d wi o twavn a y o j cin , Au or r s le d a dirh ls, u jc o n t u iig n beto s r a e pond t you dvt i so r onalr equessasf l s: t olow '
'
Req ne S bett ad wi o twavn ay ojcin, Aur a sat t i pr vi l o h o pr s d s : u jc o n t u iig n bet s ovl or t es hat t e ousy
na oft e c r e to roft e de i : hm a Br he sHol n I me h u r n wne e e ha h h bt s Le n ot r di gs nc 745 Sevent r t tt e . h Ave., 7t Fl , N- Yor ,NY l 0l . oor e h w k 0 9
re
l i Aur r s p iin t a is pr i rs o e t s o a' osto h t t evous e p ns s l he aton i i or ton,a di c o u e pr i d t e e t ha b e r s nsve t al ofyo iquii s nf ma i nd s l s r s ov de h r wih ve e n , as wel as t document re , e po i o l ur n , . The e o e A ur awiln rs nd t a v fdhe c r f r . or l ot e po o n u r ommunia insfo v t c to r m ou h el e t w urprorr quess de i e t . mand ora l a i orwhi a e va ue a a bi o atm er v rm ea s ch r have new concer r a i t t lea tons t above z nd m au us How ever i you . ,f ns eltng o he ser ci of he vi ng ef enced oan your c oncem s i wrtn t u a t a e sa o f x-n eb r a ov baccount pl e des n ii g o s t he ddr s nd/ r a r re b Ie y s cdbe , ems um p cik a l i c tng t r as yo b ivet a o ti i e r r he e ons u ele he cc un s n ro e f ly ndi a i
-
clo
su re
e
Reques : 'F /o i Auror Loan x e vc dLLC s r iigt a v rfee e ac ou fo ' t ' l s a v r fe e vcn he bo e-e rnc d c nt r?'
Aur a sat t , s j c t a d wi out vig an ob ons or t es hat ub e t o n t h wai n y jdi , i r er any and al rght and i s t es ves l p weso slndfrert ib ten t adsc ryisrmetrltdt tea o e onaccounteaprddto t y h oe n eui ntu n eae o h b v r f aa foope y t r f r nc d I e e e e oa ub e t o ppl a e sa e a f de allw i bl t t nd e r a c ,s lc t a
.
Duet t e na ur ofyou c munia i ns we s oh te r om c to , kongl r y ecom m end t you cons tw ih hat ul t a l atom ey aboutyourhome I rght , oblg tonsa d la ltes ocal t oan i s i a i n i biii couns el . I you aleady have I f r egal
St
w.
op Fo
ww
Enc.
Em iy Garion l rs
Fr au d. co
-
E lGar o ml rl n y s
< *
>
7 o
m m
m m m I c m m
<
*
D
X
c o m
X O
c & m
*
() / Z -
a. E
O X a.
re
clo
su re
u.
op Fo
w w . e w o y ; ' e
zw a . =
X X
X w
kl 1)
St
8 s b t Z p
M 2 o % : l E o
<
U Z
4J O > u X X *
m m m > Z I =
w.
k V
ww
Q 4 9 : k t . * u e
.
* o Q f - q
.
1 2 o = 1 0 D o u
<
U
&J
W E *
k
E
> z ' k o
O
* >
Fr au d. co
O *
&
>
C: u D 4 * I D
C Z
Thi c plt bookl ti wh orgi l pr uc d a diti e feeby: s om e e e s s i naly od e nd srbut d r PublcI or ton Ce e i nf ma i nt r Fe a Res r Ba ofChia der l e ve nk c go P. Bo 83 0. x 4 Chiago, L 60690c I 0834
Buti i now ou ofprnt Phot c esca bem a a ia eby monuues myhom e. t ts t i . o opl n de val bl a ne .
tlg o e 31 3 25 1 ee h n : 2 2 1 1
ww
mai y o t r kn -c r y( ermon and c i i t p k t and pures o nl f h ee ids urenc pap ey ons n he oc e s s f t e pubi ; h l demand d si ( -ner tb i c ec ig ac ouns i b s ; cl epo t non it es ear h kn c t n ank l and s ng oherc ec abl depo i s h a n t l or of t awal NOW )ac oun s at t h k e st uc s egoi e der wi s, ab hdr ( c t,
aIdeposi y i tt i I t ns iutons,i udi com m er aland savi banks,savi and I or ncl ng ci ngs ngs oan associ i and cr tuni atons, edi ons.Tr er checks al ar i uded i t defnii of avel s so e ncl n he i ton
tansaci money.Si $1 i curency and $1 i check e deposis ar feel r tons nce n r n abl t er y Exhi tL,pg 1 of4 bi
w.
St
op Fo
r esponse t c o hanges i t am ountofr ves suppl by t centalbank;and n he eser i ed he r second,how t hose r esek es ar a'ect by b0t Feder Resew e actons and ot e ed h al i her f or A snalsecton deal wi som e oft el ent t modi atI act s. i s t h he em s hat f y easti t shor n he l
re
clo
su re
I r nt oducton i The pur pose oft s bookl i t descrbe t basi pr hi et s o i he c ocess ofm oney cr i i a eat n on 'r i ' actonalr f eseN e'banki syst .The appr ' ng em oach t aken il r es t changes i bank lustat he n bal ance sheet t occurwhen deposis i banks change as a r tofm onet y s hat t n esul ar acton by t Feder R esek e Syst -t centalbank oft Unied St es.The i he al em he r he t at r atonshi shown ar based on si iyi assumptons.Fort sake ofsi pl t el i ps e mplf ng i he m i y: ci
Fr au d. co
M O D ER N M O N EY M EC H A N ICS
Res v s mone soc s a it s. oa c c t ofmon ( an M3 i lde M 1 ere' y t k t t i Br der on ep s sc ey M2 d ) ncu a wela c t n o her ianca as e s( uc a s vigs an tme dep i a s l s erai t fn il s t s h s a n di ost t s depo t y i t u i san s r i mon y maretmu ualun ) c ar r a i y si nsi t or t on d ha es n e k t f ds whih e elt vel
I lt'i d7tly,vt/' iirn fn /d tfi t v t teA t rr' p/ h.' ) i t v 'ri t h t / l:l i bt s' ip t t f nh ' i p r f k . c dk ' k os l k
.
ww
W hat t , hen:m akes t e i r ent -check paperm oney,and coi -accept e at hes nstum s s, ns abl f val l paym entofaIdebt and f ot monet y uses? M ai y,i i t ace ue n I s or her ar nl t s he confdence peopl have t t w i be abl t exchange such m oney f ot i e hat hey l l e o or her fnanci asset and f r goods and ser cesw henevert choose t do so. i al s or eal vi hey o M oney,I anyt ng el derves is val fom i scar t i r aton t i usef ness. i ke hi se, i t ue r t s ciy n el i o t s ul Com m odii ors vi ar m or orl val e becaus t e ar m or orI of tes er ces e e ess uabl e her e e ess t hem r atve t t amount peopl want Money' usef ness i is uni abii t el i o he s e . s ul st que ly o t com mand ot goods and ser ces and t per i a hol t be cons anty r her vi o mt der o t l eady t do o so.How m uch m oney i dem anded depends on sever f t s,such as t t al s al ac or he ot vol e oftansactons i t economy atany gi tm e, he paym ent habi oft um r i n he ven i t s t s he soci y,t am ountofm oney t i vi s and busi et he hat ndi dual nesses wantt keep on hand t o o t e car ofunexpect tansactons,and t f gone ear ngs ofhol ng fnanci ak e ed r i he or ni di i al asset i t f m ofmoney r hert som e ot asset s n he or at han her . Contoloft quantt ofm oney i ess i i is val i t be kepts abl Money' r r he iy s entalf t ue s o t e. s eal val can be m easur onl i t m s ofwhati wi buy.Ther or i val vares ue ed y n er t l l ef e, t s ue i i sel wih t gener I ofprces. nver y t he al evel i Assum i a const r e ofuse,i t vol e ng ant at f he um ofm oney gr ows mor r dl t t r e atw hi t out ofr goods and e api y han he at ch he put eal
w.
St
op Fo
re
lii ipir ..r iijl h/ j p id p s:i kyb t qity7', 4 pi kt l 'd i blstt id p ; b t wfl uk rr @ 4 4 o h l f li E i t t 1 - k
clo
soc Ab t p c , $ bii o t e $89 bii t t so i Dec er t k. ou 69 erent or 623 lon, f h l 8 lon o al tck n emb l 1991,was i t f m oftansacton deposi ofwhi $290 bil wer demand and n he or r i t s, ch li on e $3:) bii Fer q h qh k l d ost lgq e t er :c ab: :p i l s. W t. .k , . #; . 4?EE)-.' .j '' (; .;E F' ((-.'q'.g'-'.... #( W ) ' . . ' M4: : a$t .... : . ,, ).E .'.'E) . .',' E V:i E:.! . i ; ( ; . ' ,. . 'i: ;) . . ) -' ; ' ! . ( . .. . , ' . ' E E ;' ' . . ' '. ' '.. .q ' ' ;. E . . E .: ' ' : . E i
su re
I d butbel i qui i eved t r esen prnci l i o epr t i pal nvest ent t t rhol s r hert medi y m s o hei der at han a ofexchange.W hi f l unds can be shied f ry easi bet e f ail t l ween tansac i bal y r ton ances and t hese ot I d asset t m oney- eaton pr her i qui s, he cr i ocess t es pl e prnci l t ough ak ac i pal hr y tansac i account l t r ai r ton s. n he em nderoft s bookl ,' oney'means M 1. hi et ' m ' The di rbuton bet sti i ween t curency and deposi com ponent ofm oney depends he r t s l gel on t pr er ar y he ef ences oft publ W hen a deposi cashes a check ormakes a he i c. t or cash w i awal hr t hdr t ough an aut atc t l m achi he orshe r om i el er ne, educes t am ountof he deposis and i eases t am ountofcurency hel by t publ Conver y,w hen t ncr he r d he i c. sel peopl have m or curency t i needed,som e i r ur t banks i exchange f e e r han s s et ned o n or deposis. t lr i he l ar W hi curency i used f a gr varet ofsm al tansactons,mostoft dol l e r s or eat i y am ountofm oney payment i oureconomy ar m ade by check orby el r c tansf sn e ectoni r er bet ween deposi account Mor t s. eover curenc i a r atvel sm al pad oft money , r y s el i y l he
Fr au d. co
converi e i o each ot and bot can be used diecty f expendiur t ar tbl nt her h r l or t es, hey e m oney i equaldegr However onl t c and bal n ee. , y he ash ances hel by t nonbank d he publ ar count i t m oney suppl Deposis oft U. Tr i e c ed n he y. t he S. easur deposior y, t y i iutons,f ei banks and ofi ali iutons,as welas vaul cash i deposior nstt i or gn fci nstt i l t n t y i iutons ar excl nstt i e uded. Thi tansac i conc ofm oney i t one desi ed as M 1 i t Feder sr tons ept s he gnat n he al
How do open m ar pur es add t bank r ves and deposi Suppose t ket chas o eser t s? he Feder Reser Syst ,t ough is tadi desk att Feder Reser Bank ofNew al ve em hr t r ng he al ve
t oday' word ofcomput i fnanci tansactons,t Feder Reser Bank pays f s l erzed i al r i he al ve or t securtes w i an 'el r c'check dr on isel.4)Vi i ' he ii t h ' ectoni ' t awn t ft a t ' s Fedw ie'tans er r 'r f
n wor , h Fe al ere n t is t d er d i atd b ( et k t e der Res v o ie he eal ' esgn e ank BankA)t at f s h pa ymen f t s r i sh d be c e t t ( ost i t e deal ' ac oun a t or he ecu ies oul t r di o dep i n) h ed ed er c t t s
$10, ofsecurtest isasset whi ihas pai f ,i efec ,by cr / a I ly 000 ii o t s, ch t d or n f t eatng i i abit
BankA.Att same tm e,BankA' r ve accountatt Feder Reser i cr t he i s eser he al ve s edied f t amountoft securtes pur or he he ii chase.The Feder Reser Syst has added al ve em
mat ched by $10, oft deal ' deposi t di notexi bef e.See iustaton 1 000 he ers t hat d s st or l ri . l
How t M uli e Expansi Pr he tpl on ocess W or ks I t pr f he oces ended her t e woul be no ' uli e'expansi i ,deposis and s e, her d ' tpl ' m on, . e. t bank r ves woul have changed by t same am ount However banks ar r r eser d he . , e equied
i mmedi el wrt check f $10, and aIoft ar deposied i ot banks, at y ies s or 000 l hem e t n her
Bank A l es bot deposis and r ves and shows no netchange as a r toft os h t eser esul he Syst ' open m ar pur em s ket chase.However ot banks have r ved t .Most , her ecei hem I y,a par oft i taldeposiw i r i kel t he nii t l emai w ih Bank A,and a par wi be shit t l n t t l l fed o ot bank as t deal ' checks cl . her s he ers ear I does notr l materw her t s m oney i atany gi tm e.The i porantf ti t t eal y t e hi s ven i m t ac s hat t hese deposis do notdi t sappear They ar i som e deposi acc . en t ount ataltm es. I s li A1
ww
iustaton 2. l r i l I busi f ness i actve,t banks wih excess r ves pr s i he t eser obabl w i have opporunii t y l l t tes o
l t $9, Ofcour t do notr l payoutI oan he 000. se, hey eal y oansfom t moneyt r he hey
w.
bankst herhave $10, ofdeposisand r vest t di nothave bef e. oget 000 t eser hat hey d or However t ar notr r t keep $10, ofr vesagai t $10, of , hey e equied o 000 eser nst he 000 deposis. Ihey need t r ai undera 10 per r ve r r t AIt o et n, cent eser equiement i $1000.The ,s r ni $9, i ' ess r ves. Thi amountcan be I emai ng 000 s ' exc eser ' s ' oaned ori nvest See ed.
St
op Fo
re
clo
su re
on isel i t f m ofbank r er bal t f n he or es ve ances. These r ves on Bank A' books ar eser s e
Fr au d. co
a hiv i p iy obe t es. wayt e c tal kc i t t s ch anex son i c e e t ol s c j c i One v h en r ban an nia e u i pan i s
. .
hsr 4 F t: : ) .
: s :
: 2 : r ii .ew 7Ek t tet:l rut; jhE(tkf (d b:r:s e iu tat t, tt h 7 til u h ydp: i(Eft E: j? ig:y tft( yElr i $; t. k yjbns ddl t t g rj i Ey : t : : : b fr l i s nn . ' '
3D lr mo nsue itevru i srtn d nt ees r b aa yrsmba c ta at natn .o ea l, pnmakt ol a ut sdnh ai sl t i s o o ncsai e r n ee lne o du lr sci s Fr xmpeo e re a o l ao u l y a o o eain tp ayaec nutdwi mayd a ra dia utttlgsvrlio d lr. prt syi l r o dce t n e ls n n mo nsoai eeabl n oasback o c h e n i 4lde , n t nat n tdyaeacmpi e truha e crnct nfr fud bt e acu trte ta tru hi u ne ne dmayr sci soa r co lhd hog n l t i r se ofns ewen consahrhnhog s a c a o s e o a s
ofapapercheck. tr t tme ofpostng,t a Aparfom he i i he ccountngenti ar t samewhet atansf i madewihapapercheckor i res e he her r ers t
ee o i l.h tr 'hc,teeoeiue frnhNpsot nfr. l nc l T eem cek'hrfr,s sdo b t e fr sesback dr ay a sFr ahbn ,h rswerqi mets3pret nasei dbs a utfrnat nacutad1 p ret ntea ut o ec a kte ee eur n i ec no pci ae mono t sci co ns n 0 ecno h mo n e f e a o
ab v ti b s .Iial,h Mon tr Conr Ac s thi b eamo t c ldte ' w r ere t c e - t$ 5 miin a d po ie fri o e hs a e nt l t e ea y tol t e t s as iy un - al h I es v r h ' a 2 l , n rvd d o t e o an o t c a g a n al i I ewi te go h i ta s cinde o i n t n l. e Iw r ereta c ewa $ . miini 1 a d $ 2. o h n e n u l n i t h rwt n rn a t y n h o p st ai al Th o es v r n h s 411 lo n 991 n 4 2 s o y miini 1 92 Th Ga st Ger nAd of1 82fdh rmo ie t e e rqurmensb e e t gt ef s $2miin o r era l l n 9 . e m- . mai o 9 u e ds d h s e i e t y x mp i h i t n r lo fes v be l I blisfo rs re rqur mens Lk te lw rs v t c e,h e e tlv lsadu t de hy aro rf d grwt i r era l i it r m e e v e i t. ie h o e ere r h te x mp e e i j se ac e t e l o h n es v be a ie e an e
1. e teF drl eev B n prhssgvrmeteui sb n rsre whnh eeaR sre ak ucae oen nscri ,akeevs t e
i ease.Thi happens because t sel oft securtes r ves paym entt ough a ncr s he l er he ii ecei hr
x
A sset s
Li lt es abiii
clo
cedit a d i at depo ta c n ata b ( kA)whc t Fed al s v r t o esgn ed si c ou t ank Ban ih he er Re ere e'ect by cr tnq t r vq p pvn o q qA. s edii h4 eser p ! fBank j i ' F BANK R j ! BAN K A 1 , ;
A sset s Li ltes abiii
2 . aeutalnk tkntgte T tleevs andrm nwdpss..00 0 As rsl lbn sae oe r oarsre gie fo e eoi... ,0 , h t..1
no ha 'xce s'esr sonwhih w ve e s 'r e ve c
op Fo
The cust omerdeposiatBankA I y wilbe tansf r i pal t ot banksand t i kel l r ered,n t o her
St
3-xa so tkspaeo liteb nsta hlteeecs rsre (tg 1 E p ninae lc nyfh ak ht od hs xeseevs Sa e
ban s i r e t ei I s oriv t t .L sar ma b cr t t e borower k ) nceas h roan n esmen s oan e de y eding h i r ' s
ww
''C:IIt ier?..)#.I a tIl;i ...! ! ..!..,.t.,'!.............. !:::--t . !.,:t.)r i.pp 1i . . 1....,,',#.F-......-..-.. E:I)lt, t, .i: ';- rt.d -i - p ..mor,rlE............... 5)L'I. , I !: e -r! , q #:4 ,t..,.rp!).,............ I''trl l . L '7: ' .! ! ! ?E..,- r,?.!-.-q - . ,.,,.. 4pq(q P # .. ,.e 7q@:o i I. . r : i . . l 1 . : - . STAGE 1BANKS j
... . ,
... ... ........... .-. . ... . ................. .
w.
As s set
re
Re e v ac t s r e c. Ba A . +10, nk . 000
su re
Deposi Expansi t on
Fr au d. co
Cus om e t r de i. +10, post. 000
Li lt es abiii
m
. .: .
(:E : E E E: d'WhlhyihakE I ht : r: oansi t acceptpt ;ssor not i :xhtge.:rcr tEy't : t s:o bml y :es h'L! l.' . :' edi E: . ' 'i ) . l ' . : t h( ' f s o, ! . : borkj.y:'.r :.. ..tn account r''.'.:.:l5! ......:e.: , '.'.:*plEyi li : h'z, gl rrj.E jj . :: .?. :(. . Wr tn(:( j': ' :. jj : j. : k l sk.' :; .: ,: (. :(slan'.:d E . .' sasset...7' dE Loaht : : ' ... ' '. ' ' t ((biti)bpt r jl :q t (g i :: :I : iy: i : : byr . l j ' E( ' 7 ' F . : ' ' ' ' . ,': ' : ( ' . . ' 2( jj j .'(. , .. . . . '.. , ) . . . . ;:yy..rj ' '.' ( ' . E ' ' ' . ,: ,. : . . .E : ; ( . . ) . : .q . ( . .jE j .;: .: : : . ! ' I. ;g.j<.(t :' $:,:0tRter l ;Et unchanged: ylh!tl'r j ilj .Bttt. ' : tr ..t'. ,0 q ' v. ' ' 0 ' e b t l i' i:t tntt i h. i . t t dpobl edp(.i:!Er t kE(i
.
: ' ; .: : . .
'
'
' ' .
'
.. : .
'
RE: Auror Loan Se ce LLC - Loan No.00 53879 a rvi s 391 Borr w er John J.K or a o : m n SETTLEM EN TPURPOSES ONL F
D e rM r K o m a a . r m
anyde .Howe r a i or to obane ma beus dfrt pur eotde c lci bt ve, ny nf maln ti d y ' e o he pos bt ole ton.
t a he bove r f r nc m or g - e e e ed t age l an. N e e e e s w e pr ded you w ih a l n m odi a l o ve l s , ovi t oa fc ton wor koutl te a l s mii ton pa kage fo Aur a i c e tr nd o s tga i c rm or n ommuni a i daed M a c 24, c tons t rh 201 Aprl23,201 Se e 0, i 0, pt mber21 201 a Oc obe 25,201 a a ke t tyou c , 0 nd t r 0, nd s d ha ompl e et t s m ae il a rtzn t m t us W e as a t e t r a h yo by tl phone on Oc obe he e tra s nd e l he o . r lo temptd o e c u ee t r 25,201 r gar ng yours iso ofa l m odi a i a ia i Howe r we ha not 0 e di ubm s i n oan sc ton pplc ton. ve , ve r e v al n modi a i a ia i pa kagefom y ast tlsma tr ec i d oa lc ton pplc ton c r ou o li te .
f r t i i ha r e ve bot a i a i i c mplt d f r , i l ng a 1 s o mtl t s ec i d h pplc tons n o e e o m ncudi 1 uppori tng i or ton q doc e ai r uese by r c ap ia i nf mn i nd um ntton eq t d a h plc ton.
ww
Shoul ypu decde t s i a l an modi to a i to plas r tln t d i o ubm t o fcai n pplcai n, e e e lr he a ia i a a1 s pplc tons nd 1 uppori doc l e a i die ty t Kn l W ms he , 1 W .M a s tng lm ntton r cl o hr c i 05 dion Ste t Suie 21 Chi go,I 60602. Ale na i l yo ma f x ore alt pa kag t t e t 00, ca L t r tvey, u y a m i he c e o he a bovef x nlm be ofe la e s a l r mai ddr s .
w.
St
a d n n iAM p a piainst a ae icu e w1 1ti lte . P e s u es= d t t n o -l j l to h t r n ld d t h s etr lm e nd rt ha c 1 Aur awilnotbea et e l t whih i a l n modiia n pr mt)you aeei bl or l bl o vauae c f ny, oa fc io opa s r lgi e
op Fo
CA LIFO R N I A
re
clo
ILLI O I N S
su re
W A $ H 1 G TO N ,D.C. N
Fr au d. co
-
Di c : 31 5 - 0 r t ( 2) 46 39 2 e TEl on k l co i @ w-l m as p.
Vi Regul Mal a ar l
The Loop Cent Bui ng er l di 1 W .Madi Steet 05 son r Sui 2100 t e Chi cago,Ilnoi 60602 l s i
K ahr W ut l scherLLP
a whie i a isyourdei r ofa c ny, l t wat lve y ompl t l an modi a l a ia i I af e l ur eed o sc ton pplc ton. f or cos e
s l daet al Aur r tmet r viw t a i tons ae t o low o a i o e e he pplcai . Si e el nc r y,
@
sl h sb e sh d e tec mpee a piains icu i a1sp o t g lfr to a d ae a e n c e uld,h o ltd p l to , n ldnj 1 u p ri ' omain n c n n
ww
w.
St
op Fo
re
clo
su re
Fr au d. co
TrvsElsn a i lao
Case A ur o oLocnSer ces 1-4 Entered on FLSD Docket 10/19/2011 Page 26 of 53 9:11-cv-81163-DMM Document or vi
R0. x 1 6 Bo 70 sc - lf, > M q- 7 o u NE .1 - . Aumm L n. m my
3640039153879534LM55010-19-10
John J Korman 934 SW 21st Way Boca Raton FL 33486-5238
.-
, - . . . -.. . . - -.- . v . .. -
.= .lz .x. -< . = .mr uzi - 'x m .=mu -,Y -may- bg .abje< to m'k' ' .= * . . . . a eM VOUP ' ''men' F'morr e pl ' ay p t ' . '''' * :- '' '' '' ' ' - =7 ' * - ' - -- ' Act NoW to get the Me lp you need ! HAMP So llcltatlon Loan No . 0039 153879 Property Address: 934 S* 21st Way, Boca Raton FL 33486
RE :
Dear Customerts):
There ls NelD avallable 1f you are Mavlng Mlffl culty maklpg your mortgage loan Dayments. You m4y be e llg lble for the Home Affordabue Modlflcatl l on Program ( HAMP), part of tMe l nltbatlve announced bv Presldent obama to
hepp homeoWners.
advanta home . Now 7s the tlmeoto act. y are ready l Melp you. an ge of thl opportunl y t modlfy We mort ge to Dayment d s t our ga oan keep vour
Here's how lt works : We w111 flrst determ l ne 1f you are ellglble based on Fu lly comp l eted and sl gned Request for Modlflcatl and Affl on davlt
uv' -'-LzJ .O Jbofh.ox:D .JU- .+#Y '-& + ..n . .': ' ' -=- -'f ?O. W . vc r - 7 j - 'W: = w l ' M4 . . ' .7 . ' . . L
3. Documentary evldence of a11 lncome .
of Tax Ret urm) f ea bgrrower. Borr or ch ow#rs Who fll , ed tnel tax r rpt urns lolntl may s y end l 9ne I For :506-7 sl n RS : pned:and dated -
op Fo
form (RMA) and addendum Full completed and sl y gned IRS form 4506-T (Request for Transcrlpt
re
Inltlal uatl vour slt on. consnstnng o f: eval onv We ne you to sub t an ct t hls uatl ed ml Package To onpu
.
clo
As your mortgage loan servl cer ( Aurora Loan Servlces LLC, Aurora Loan Servsces, us, we). we w111 work wlt/ vou ln an effort to make your mortgage payment affordabl e. You w111 not pay any fees tg take
su re
a) For a11 borrows - A coDy of yourles. lnclud:ng Scbedulegned f most recentl fll sl y ed ederal tax relurn wltb a11 scbedu
w.
c) For each borrower who As self-employed - A copy of the most recent Quarterly or year-to-date proflt/loss statement d) For eacb borrower wno has lncome sucl as socl securlty, al
St
E-supplemental Income and Loss and Schedul C-proflt and Loss e from Buslness
of vour t most r Wo ecen! pay st ubs t sho year-to-dat ear ngs hat w e nl
dlsablllly or death beneflts, pensl . adoptl asslstance , on on or publlc asslstance Contlnued on reverse slde
ww
Fr au d. co
Page 2 Loan No . 0039153879 A copy of the beneflts statemenl or letter from tNe provlder that states the amount, and Coples of the tWo most recent bank statements showlng
pt. e) For each recel of suFh payment on allmony, cnlld support or borrower wbo ls relylng teparat1on malntenance as Quallfyln? lncome*1) A copy of the dlvorce decre, separatlon agreement, otber
1l) Coples of the two most recent bank statements sbowlnb
wrltten agreement esled wlth the court that states the amount and frequency , and
recelpt of such payment *You are not requlred to d lsclose cblld support, allmony or separatlon malntenance lncome : unless vou choose to have lt consldered bv your servlcer.
f) For each borrower wMo Mas rental lncome - Coples oc tMe most recently flled slgned federal tax return Wltl a1i scnedules, l ludlng tbe Schedule E-supp lement Income and Loss nc Note: For borrower: *1th rental propertles, onl 75% of the. y gross ients w111 be used for quallrylng l . ncoYe under tbl: prbg/am ..
'
clo
documents, or have questl pns about the Daperwork requlred, please .. contact us toll 'ree at 1-800-550-0509. Alsov the RMA and 4506-T . forms are avallable for downloadlng at Www. myauroraloan. com or' wlll
a lte rna tlve optlon. '
. ::%; prf t (. l ; .'docpzyn:1ng' !. p. 1ncome)l ' lr . ,. : 1., ' , ' ' *6r ) '' tott# , . . . .. ' . '2. 1 '' . . .. ' ' : :. . ; ' . ' . .. . .: 1 ' '. ' ' If you i ave othlr 'kps o lnome , cnnot lodafe the' 6 t rqulred ..
. .. . .
g) For each b ower wh Mab nongr/ o wage l com ( n paht t1 empl me ovment! . .,. .: . bonus , t7 #n s :: ps d nyest ment l ncome) A cop of t docu i 1 1 v he meflt Qi' descr1blhb:th ' patr#'of 1he lncome (e.g.) :n.mplyyent.g , . . . . .contract' .
.
. ..
su re
. .
.
f . ll) gll Trl Perl Pl condstj u1 f . al od yn ons, We W1 perma 11 nentl modl your y fv mortgagd loan. ' ' '
The modl'scatlon maV lnvolve some or a11 of the followlng cManges to your
loan durlng a tlal perl od. If you make those payments successfMll and y
mortgage loan: 1) Brlnglng your account current; 2) Reduclng tMe lnterest rate on your mortgage loan; 3) Extendlng the term of the loan, and/or 4) delaylng your repayment of a portlon of tMe mortgage prlnclpal untll
tMe end of tNe loan lerm . If we determlne after our flnal revlew that you do not quallfv for the Home Affordable Modlflcatlon Program . e w 111 dlscuss ther forec7osure alternatlve optlons-
ww
w.
St
op Fo
ook at yo mont y l ur hl ncom: @nd Mousl ng If you are elqglble , We W111 l costs, lnclud lng any past due payments, and then determ nne an affordable mortgage payment. At 'lrst! you W111 make new , affordable monthly payments on your mortgage
re
Fr au d. co
(.. k;. . ?; : .
STEP 1 : GATHER THE INFO WE NEED TO HELP Y0U To take advantage of tNls opportun lty and the Home Affordable Modlflcat1on
W111#beLoanpf 1 1'j have the f l ng 1 or 1on When you ca11: hel number you u o1 oWl nf mat
* Montn 1F pre-tax lncome of each bor/oWer
.
Tf Your 1 :.71.ng. p:< 9::4 A r t - yTpnt pf 4- - -A!4 1 - #n w -- . -. . . 9: , - t -. ol hr p: , M 4# .- n#uc v n - .. z - w- v wy wus; y;s an:uaT prdifrty tx amount Ynd the annual premlum - -. n-ku ua-- .
.
6O0 VOUP hazzcd lnsurance and 61OOd lnsurance . lf appllcable YOUP mOR1h1V HomeoWners Assoclatlon payment, lf appllcable
STEP 2: CONTACT US We Want to make modlfvlng vour mortgage loan as easv as Dosslble.
866-924-3857 .
Mttpk//Www.hud.gov/offlces/hsg/sfh/hcc/fc/
-. = .
=-
propert to apy organl v <atl or l vl on ndl dual Mnq ess you are Workl pg . vx:+oeo p+r.wqtn>your-#k mfale-compenve tu forg've #ou' debt. l r ' *Never mak: your mort ge payments to an ga yone olh tnan y er our mortga ge company wnthout thelr approval.
Slncerely , Aurora Loan Servlces
Reportnng Related to HAMP Trlal Perlod Plan Aurora Loan Servl ces ls a debt co llector. Aurora Loan Servlces IS attemptlng to collect a debt and any lnformatlon obtalned W 111 be ' a bankruptcy dlscharge of tMls debt, thls communlcatlon ls not an
Encl osures: I ort6nt Notl mp ceq I mporta Notl R nt ce egardl Cr ng edlt Bur eau
atte possnble enforcement ocagal llen agalnst they. but ls n property mpt t coll ? ect t debt tMenst you Dersonall collateralotl he c@ o' a
w.
used for that purpose. Howe ver, lf you are ln bankruptcy or recelved
.
ww
St
op Fo
exchange for houslng counsellng servlces or modlflcatlon of a dellnouent loan. *Beware of anyone wMo says tney can 'save' Your home 1: you sl ' ' gn or transfer over the deed to your house. Do not sl over tMe deed to your gn
re
*There ls n#ver a fee to get asslstance or lnformatlon about the Maklng Home . Affordable Program from your l ender or a Hug-approved houslng counselor . For a HuD-aDproved counselor, v1s11:
clo
s ure t l ude t l 0 ncl xe nformatl llqt above. i y Mqve an# qu n pd f ou: estl ons, pl e contact one of our For osure irev eas ecl entl Speclalt on sts by calll ng
He1D ls free l
su re
If you do not quallfy for a loan mod lfl catlon under thls program. or do not want to stay ln your Mome , we W 117 work * 1th you to explore other foreclosure alternatlve optlons avallable to help you keep vour home or ease your transltlon to a new Nome .
Fr au d. co
Page 3
IMPORTANT NOTICE
1# a duly-notl ed foreclosure sale has been scheduled, any approval o' a r forpclosure alternatlve optlon ls contlngent upon tMe ablllty o' Aurora sal postponed or cancelled. e
Loan Servlces LLC ( Aurora Loan Servlces) to have the pending foreelosure
w.
St
ww
op Fo
re
clo
su re
Aurora Loan Servlces ls a debt collector . Aurora Loan Servlces ls attemptlng to collect a debt and anv lnFormatlon obtalned w111 be used for that purpose. However , 1* you are ln bankruptcy or rece sved a bankruptcy d lscharge of tnls debt. tnls communl c4tlon ls not an attempt to co llect the debt agalnst You Dersonall . but ls notlce y o' a posslble enforcement of tMe llen agalnst the co llateral Droperty .
Fr au d. co
W111 cease reportlng the repayment status o' your loan monthly to credlt bureaus durlng the term of the Plana 1: the Plan ls completed successfully . and 1f a flnal modlflcatlon o' your l oan ls approved , Aurora Loan Servlees W $11 report tMe repayment statul of Four loan to tMe credlt bureaus under the terms of tMe l oan modlf# catlon.
HAMP Trlal Perlod Plan (nP1an') ' When you begln a Plan. Aurora Loan Servl ces LLC ( Aurora Loan Servlces)
modlflcatlon of ygur loan Was not approved. Thls means that 1f tNe Plan
payment amounts were less than the contraetual payments due on your l oanz and you do not brlng your lban contractually current at the tlme the Plan ls not completed or a flnal modlflcatlon o' Vour loan ls not approvedq th* records of tMe credlt bureaus may reflect the repayment
Aurora L to co llectls a debt coll nnformatlon obtalned Wces be oan Ser ces a debt and any or. Auror Loan Servl111 l vl ect a s attemDtlng
St
ww
w.
op Fo
re
usd for thi t purpoge . However. 1* you ar ln bankruptc# or recelved a a bankruptcv dlscharge of thls debt , thls cmmun#catl on ls not an attempt to collect the debt agalnst you persona ll . but ls notsce y of a posslble enforcement of the llen agalnst tMe co llateral DroDertv-
clo
su re
not approved , Aurora Loan Servlces wlll resume reportlng the repayment status of your loan to tMe credlt bureaus based on the contractual slatus of your loan at tMe tlme the Plan was not completed , or a flnal
Fr au d. co
Sept m ber1,201 e 0 J J K or ohn . man 934 SW 21s W ay t Boca Rat FL 33486 on,
above- ed mater Thi lw fr and is l nam t . s a im t awyer ar notdebt colect s and t s i notan s e l or , hi s a tm p t c l c a d bt Howe r a y i o m a i n ob a n d m a be us d f rt pu os of te t o ole t ny e . ve , n nf r to t i e y e o he m e
I a dii n, we i l de w ih o r pro c r s de ce a c m pl t c y o t l n n d to nc u d t u i r ore pon n o e e op f he oa org na i fl f t l n r e e c d a ve i l di w iho lm i to c pi s of t no e i i ton e or he oa ef r n e bo , nc u ng t ut i t i n o e a he t , s c rt isr me t dicos r s a plc ton mae il,c e tr po t,un r ii do me t, e u i n tu n , s l u e , p ia i y tras r di e rs de wrtng cu n s
ww
and s d i ude a sat ent of t r onsyou beleve t account i i e r .I r ew i houl ncl t em he eas i he s n r or n evi ng
w.
St
pa t thit r f t tl n. W e as d s rbe t c r hol e a s r c ro t e d bt t ym n s o y or ha oa lo e c i d he ure t d r nd e vl e f h e he nam e of t cur ent owner of t debt t nnm e and addres of t orgi cr t , a he r he , he s he i nal edior nd pr d a dii na i f m a i a do um e t to e i n ng o o h r s ve iyi g t d bt ovied d to l n or ton nd c n a i n v de ci r t e wi e rf n he e .
op Fo
re
clo
Asyourc l,werprsntAuor Loa Sevc sLLC CWur a'i c ne tonwiht e al e ee r a n rie or' n on ci t he )
su re
kF, Vari Com m uni i : ous catons Borrowers:John J.K orm an and Pam el K orm an a Propert Locaton:934 SW 21s W ay,Boca Rat FL 33486 y i t on, Loan No.0039153879
Fr au d. co
Te.(88 3 9 5 8 l 8 ) 3 -2 2 Fa (66 5 - 3 2 x 8 ) 819 0
www. l com kw-l p.
The L Cent Bui ng oop er l di 105 W .MadionSteet s r Suie 2100 t Chi cago,ll s 60602 lnoi i
Em ly Gar i l rson
EGarion k l .o rs @ w-l c m p
Vi Regul M ai a ar l
srin o tesbetla adis a asricretaduspotbealgt n rlt g evc g fh ujc on n nt d seknorc n nup r l l ai s eai i e t a e o n
eror r atng t t s vi ng of t m org ge l r er r el i o he er ci he t oan ef enced above. To t ext t he ent hat s ae e t i yo l te c ns s o a l ga i ns of wr ngd ng of a na ur by Aur r o t t m n s n ur e tr o it f le to o oi ny t e oa r o he wie Au or de e y t r s , r a ni g our a lga i , an r s c f l r qu s s t t y r viw t le tons d e pe tuly e e t ha ou e e he d u e t a i f m a i p ovi e wih t s a d/ a p e ou c r s de c f r f rhe oc m n s nd n or ton r d d t hi n or ny r vi s ore pon n e o u t r expl ton and clrii i ana i a fcaton.
lojnO:tnsjg)0gjej eej tysJSull daotaiitOPrjsen-tmtl afs oXrll jtudlSOSfeao lZtl or anl AW rh as s ja a S- ai o t o y ju pl c a) o a j ol tj h /Aj ' j t ia 0
Ne rh es,s jc t a wiho wavig a obe to ,Aur ars ond t you vetel s ube t o nd t ut i n ny j cins or e p s o r
alege addii r l d tonal eques sasf l s t olow : ' '
St
op Fo
re
l i Aur a' poston t is pr ous r ponses as w el as t docum entton, t s or s ii hat t evi es , l he ai i or a i a dic os r s p ov de t e e t h ve b e r s ns v t al of yo i uii s nf m ton, nd s l u e r i d h r wih, a e n e po i e o l ur nq re . u ha el ex Th r f r .Aur r wilno r s nd t a v f t rco muni a i fom vo t tm er v r at eeoe oa l t ex o n urhe m c tons r quess.dem ands oralezatons orwhi ar va and ambi t l i ch e Mue zuous However i you . ,f vourprorr i e have new concer r atng t t ser ci oft above-ef enced l n account pl e des i ns el i o he vi ng he r er oa , eas crbe yourconcer i wrtng t usatt addr s and/ f x num berabove by s t aly i catng ns n ii o he es or a pecik l ndi i t r onsyou belevet accounti i e r he eas i he s n r or.
--
clo
Si el ncer y,
*
w.
ww
Em iy Garion l rs
Enc.
2
su re
Re s ' /iAu o aLoa Se csLLCs rvcn t ab erf r n e acou t r?' quet ' s r r n nd e n e iig he ov -ee e c d c nfo '
Fr au d. co
K ahr W ut l scherLLP
To W hom l M a Conc m : t y e
Thi lte i beng s ntt y0u i r s et t rpe tdphonec lst my s etr s i e o n e pons o he e ae al o
ho e. a s d t tt Se toroft monga ha dic r d i,Go t m Be dvie ha he tl he ge s s ha ge t o hp: - .o. l - a h. us t n l p publc r or ,unde m y / / c pa m be c i. / he opku i ec ds r
f m e. m
Thi i N O T a r ss eques f tver f caton' orpr ofm y m aii addres but t or t ii i ' oof lng s,
ivai tdifr to t a yofhe3mao CrdtBu e us( ufx, n l e n omain o n t da j r e i ra Eq ia Ex eino Trn Uno ti a to mih c n ttt fa du e b t p ra r a s in) hs cin g t o si e ru nd r oh u
Feder and St t Laws.D uet t sf ,i any negatvem a k i f al ae o hi act f i r s ound on a y ofm y c e tr po t by yourc m pa ort c n r di e rs o ny he ompa t tyo r pr s n ny ha u e e e t Iw ilconsderbrngi l l i i ng egalacton agai tyou f t f l ng: i ns or he olowi
V i a i oft Fai C r tRepor i A ct ol t on he r edi tng . V i aton oft Fai D ebtColec i Pr t ces A ct ol i he r l t on ac i . D ef aton ofChar er. nm i act
ww
w.
St
op Fo
Secton.1r pectuly r l es f l eques t yotrofi pr dem ew ih com pet t hat l fces ovi t ent evi dence t Ihaveany l hat egaloblgaton t pay you. i i o
re
clo
su re
Fr au d. co
l ga c e l ouns lf s t Thi i u a lsi any i orna i t a c e t e or ui. s ncl des ny itng nf l ton o r dl r pori r post y t tc d be i cc a e ori lda e orve iyi a e tng e ior ha oul na ur t nva i t d rf ng n ac c ounta a c a e whe i f c t r i no pr de pr t ti i. s c ur t n n a t he e s ovi d oof ha t s
cnsd rddti na t a yofmyce irp rsIwilcnslwihmy o iee erme tlo n rdte ot, l o ut t
1w oul al o lke t r d s i o eques ,i w rtng,t no t ephone cont be m ade by t n ii hat el act yourof i t m y hom e ort m y pl ofem pl ent I your ofices f ces o o ace oym .f t
at e ptt e tm el phone com m uni i w ih m e,i udi butnotlm ied t caton t ncl ng i t o
com put ge a ed calsand cals orcor es er ner t l l r pondence se t or w ih any nt o t
/ Jol K or an S/ m m
w.
St
ww
op Fo
l woul bea s bl t tyou as ur t tyourr c dsa ei o de . si t d dvi a e ha s e ha e or r n r r Thi s an atemptt cor ectyourr ds;a i or a i obt ned s lbe used t o r ecor ny nf m ton ai hal f t tpur e or ha pos .
re
t expos tlsil o e li legalactviy t t Feder Tr Comm i son.A1 f ur i t o he al ade si 1 ut e comm uni i wih m e M UST be donei wrtng a sentt t addr s catons t n ii nd o he es not i t sl t by U SPS. ed n hi eter
clo
t r par i i w ilbe cons der har s entand 1w ilhave no choi but hi d tes, t l i ed as m l ce
su re
l yourofi f lt r pond t t svaldaton r f fces ai o es o hi i i eques wihi 30 daysfom t t n r t da e ofyou. r pt al r er he t r ecei , 1 ef encest t s accountm us be del ed and o hi t et compl el r oved fom m y cr tfl and acopy ofsuch del i r et y em r edi e eton eques t s lbe s t m e i m edi el hal ent o m at y.
Fr au d. co
I your of f fces ar abl t pr de t pr e e o ovi he oper docum ent t on as r ai eques ed i t n t f l i D ecl a i I w ilr r atl t30 days i he olow ng ar t on, l equie eas nves i i t s tgatng hi i or aton and dur ng s nf m i i uch tm e a1 colecton actviy m us ceas and i 1 l i i t t e des s . it #
Securtzaton t ii i akes a com m onpl ,m undane t acton and m akesver st ange t ngshappen. ace rans i y r hi Thi expl i wils s anaton l how t ,i t case ofa securtzed m ort hat n he ii gage not t e, here i no part w ho s y hast l f rghtt enf he aw ul i o orce a f orecl ur and t paym ent aleged t havebeen i def thave, os e, he s l o n aul i f t been pai t t part t w hom s h paym ent w ere due. n ac , d o he yo uc s
Addii l i t c s of a s urtz not ,t r ar r e and r s rc i t ha bee tonal n he a e y, ec ii ed e he e e ul s e t i tons hat ve n i pos upon t pur ed debt t are ext nsi t t not and m ort *asexecut by t m ed he port or hat ri c o he e gage ed he m or gagorand m ort t gagee,r enderi t not and m or gage unenf ng he e t orceabl e.
Thi expl i i udi ischart,w ildem ons rat how securi zaton i a f l at em ptt use s anaton, ncl ng t s l t e ti i s aied t o a not and am ort e gage f purposesf w hi neiherwaseveri ended. or or ch t nt
Se urtz i c it o af wa amaga to I i parl 1 ar fnancngwih apldgeof c iiaton onsss f our y l main.t s ty ) ei i t e ases 2 a s l o a s t,3 a is eand s l ofr gitr d s c ii whih c n be tade st, ) ae f s es ) n suanc ae e se e e urtes c a r d publcy,a 4)t e tbls il nd he sa ihmentofatus man edbyt r pa t ma er.Ena td lw and r t ag hid ry nag s ce a
case l appl t each com ponent of securii i However specii enablng l sat on t aw y o tzaton. , fc i egil i o aut ze t organi i ofa sec ii i and t harm oni t oper i of t hori he zaton urtzaton o ze he aton hese di verse com ponent doesnotexit. s s
W hy woul anyone i sue securi es colat i d s ti l eralzed by m ort gages us ng t s ruct e of a i he t ur securtzaton?Consi t f l i beneft Thosew ho engagei t spractce areabl t . ii i der he olow ng is. n hi i e o..
2. Maxi i t am ount obt ned f m ze he ai rom a t ransf oft m ort er he gages and i m edi y realze m atel i t proft now. he is
Uset lqui f he i d undst ent i o new t o er nt ransactonsand t earn pr ist ar i m edi el i o oft hat e m at y
r alz . a ai a a ai (s wela t fe a c r es a s itd wih t ne e ied. g n nd g n a l s he e s nd ha g s ocae t he w . ta aci , ndt pr isasoca e wiht new ta aci .ands o . r ns tons a he oft s it d t he r ns tons. . o n)
4. Maxi i earni by t ansf ri the asset so t t ass s cannot be r m ze ngs r er ng s hat he et eached by t he
a ewilngt pa mor . r li o y e)
ww
6. Be abl t em pow ert t eo he ransf orby fnanci l s er i aly uppor i t t ansf ed assetby t ng tng he r err aki a porton oft frs l i he i t osses exper enced,i any,f om def t and ent i i o agr ent i f r aul, erng nt eem s t redeem orr ace m ongagesi def tand t com m i t pr di capialcont i i , o epl n aul o t o ovi ng t rbut ons
w.
Cont ol m anagem ent of t ilqui asset i t hands of t t ansf r he li d n he he r eree by appoi i ntng m anagersw ho ear ser ce f and may be afii ed w ih t t ans eror n vi ees flat t he r f .
St
op Fo
re
clo
Exhi tQ bi
su re
Fr au d. co
8. Avoi t efec ofdoubl t i of frs ,t t ustt w hi t ass shave alegedl been d he f t e axaton , i t he r o ch he et l y t ransf red and,second,t i er he nvest w ho r vesi or ecei ncom e f om t t ust r he r .
9. I at thet nsul e ransf orf om labiiy and m ovest labiiy t t i t . er r i lt he i lt o he nves ors
10.Le age t m ort ver he gage t ansacton by cr i a m ort r i eatng gage backed certfcat t can be ii e hat pl edged as an ass w hi can be reet ch securtzed and re- edged t create a fnanci ii pl o i al Pyram i d.
11.Cr e a new fnanci vehi e so m i num bi y com plcat t al ost no one eat i al cl nd ngl i ed hat m unders andswhati goi on. t s ng
t a ac in bei r f r ed t a a de and as a oblg ton t tt y mus pa or be s j c t r ns to ng e e r o s bt n ia i ha he t y ub e t o f e l ur ,hasac al ar ad be n pa d. notj tonc I c eswhe ea def thasbe or cos e m l le y e i And y us e! n as r aul en alge t s c ii dnoehaslkeyar a be ns ife ( us s dand/ asi d)f o le d,he e urtze t i l le dy e atsid notj t ol or sgne our r
fvetm esover. i i
ww
There i a m ort s gage def tcr ss underw ay i t Unied St es and a credi c si caus by t c aul i i n he t at t ri s ed oxi asset i t secondar m ort s n he y gage m arket Gol an Sachs estm at t ,s ar i atthe end oft . dm i es hat t tng he l quar er of2008 t ough 2014,13 m ilon f ast t hr li orecl ur w iloccur.The Cent f Res os es l er or ponsbl ie Lendi bas on i ng, ed ndusty dat pr c ed 2. m ilon f l a, edit 4 li orecl es occur i 2009,and t osur red n hat t e w oul be a t alof9 m ilon f ec osures bet her d ot li or l ween 2009 and 2012.At t end oft frs he he i t quar er of2009,m or t 2 m ilon houses w ere i f ecl e.Mort t e han li n or osur gage Banker Assn,Natl s' ' '
Dei lnquenc S v y Q109 at 4 ( y ur e 2009) r pol t t 3. of 44, 733 or 1. milon e tng ha 85% 979, , 7 li ,
Expl on ofSecurtzaton -Page2 of15 anati ii i
w.
St
Securtzati i a productoft geni ofcapialsm .Asl aspr is contnued t be m ade,al ii on s he us ti ong oft i o l partci sdi ver w el f t screatve new fnanci arr i pant d y l rom hi i i al angem ent and blssrei , i gned suprem e. Then t ot shoe dr he her opped.
op Fo
So m uch m or so i t c oft 'aym an'hom eow ner.M os hom eow ner have no i t t e n he ase he ' l ' t s dea hat he
re
l i h oft securii i s abyr nt he tzaton chem e s t w hoever s eps f uch hat t orwar cl m i t be t part d ai ng o hat y and s i docum ent i appearng to be l tm ate i assum ed t have st ng,and t how ng aton i egii s o andi here are t f know l oo ew edgeabl chalenger oft m i aken ass pton. e l s hat st um i
clo
mor lkel aj menti fvoro t 'e r' lbei ltga i e i y udg na f he ' nde 'wil n ii ton. l Si y sat d, hev tmaort ofltg nt - and j s- ha no be n pr l i or e ast mpl t e t as j iy iia s udge ve t e opery nf m d o t t uenat e oft st peofta a ton. si s d nott i ul a he r ur hi y r ns c i Thi s ai o ns t nyone Quiet t c t a y . t o he on r r , t si j tt s y t tt t ue i ntt oft r lpary i i er ti abl t beobf c e i t hi s us o a ha he r de iy he ea t n nt es s e o us at d n he
Exhi tQ bi
su re
The obvi beneftoft above#11 i t court are predi ous i he s hat s sposed to Jgbeleve t alegat on t i he l i hat a securtzed not i no l ii e s ongerenf ceabl To a reasonabl pers t cl m t a m ort or e. e on, he ai hat gage not e i unenf s orceabl m er y because i has been securii does s e el t tzed ound som ew hat outandi And l sh. f rankl t m or com pl and difcul t securii arr y, he e ex fi t he tzed angem enti t expl n and percei t so ai ve, he
Fr au d. co
bal ance sheetoft t ansf or t he r er , hereby escapi any reser requi entsi posed upon ng ve rem m contngentlabiii t i i ltes hatw oul ot w i be carri on t books. d her se ed he
i nee d,i or rt s f de n de o uppor t fnanca c ton oft ta fr e (n ot rwo ds t he i il ondii he rnse e I he r , pr dea100% i ur dpr e tonag i tl s ) ovi ns e otci ans oses. 7. Ca r t r s v andc i ntla ly(ort s ry he e eres ontnge ibii f he uppor pr vi di pa a aph6 oft t t o de n r gr ) f he
These s r i f ec osures w eaken t entre econom y and de t e t com m unii i whi pi alng or l he i vas at he tes n ch t are concent ated.Accordi t The Subprm e Lendi Crss The Econom i I hey r ng o i ng ii: c mpacton W ealh, t
I t m ort n he gage sec ii i pr s, colat i urtzaton oces l eralzed s ii are i ued by, and r ei ecurtes ss ec ve paym ent f ,m ort s rom gagescolec ed i a colat alzed m ort l t n l er i gage pool The colat i m ort . l eralzed gage
securii so t t ass s oft SPV ar shi ded f t cr tors oft s tzer hat he et he e el rom he edi he ecurii and t tzer he par i w ho m anage i. sshi di i des bed asm aki t ass s ' ankrupt y rem ot ' tes t Thi el ng s cri ng he et ' b c ed . To avoi doubl t i ofbot the t t and t certfcat hol d e axaton h rus he ii e ders,m ort gages are hel i Real d n
Esa e Morg e I vesment Conduis (' CS ) To q lf f t sngl Vxa e e nt al tt t ag n t t ' REMI M . uaiy or he i e bl ve , l
The lga bassofREMI wa esabls d by t Tax Reor Ac of1986 ( Stt 2085,26 e l i CS s t ihe he fm t 100 a. U.. A.jj 47, 1 ) whih ei i t d doubl t x i fom t s s urte .The prnci SC. 042 , c lm na e e a aton r he e ec iis i pal
mos morga - c d s c ii tons t o t t ge ba ke e urtza i , he wnerofapoolofmorg el ns( ual t Spons tag oa us ly he or orMa tr S r ier s ls a tanser s h l nst a QSPE,us ly atus,t ti de ined se e vc ) el nd r f s uc oa o ual r t ha s sg s cfc l t qualf asa REMI a smulane l t QSPE is ss urte t a e b ke pe iialy o iy C, nd, i t ousy, he s ue ec iis hat r ac d
by cash fow sgenerat f om thet l ed r ransf red as s t i er set o nvest si or t pay f t l or n der o or he oans al ong wih a cert n r t ai eturn.I t speci pur f he al pose entt or t as s t iy, he set ransf red,qualf as a REM I er iy C,
ww
The s m e i t c s w hen a l nder m a s t ts e cai . The pa t s a s he a e e ke ha am l m r y hown a l nde 'on t s' Le r' he m ongage not w as i t ent i t s e and i uanc oft cer ii t certfc hol , e ns rum al n he al ss e he tfcate o ii ate ders whi m eanst kne t t w er notany l ch hey w hat hey e ongert hol oft not he der he e.
w.
St
op Fo
re
advant of f i a REM I f t sal of m or gage- ked securt es i t REM I S are age orm ng C or he e t bac ii s hat C' t ed as pass-hrough vehi es f t purposes hel ng avoi doubl t i For i t reat t cl or ax pi d e-axaton. ns ance,i n
clo
i er ti t m ort nt es n he gage i supposed t bet s o ransf red f war t t c tfc hol . er or d o he er ii ate ders
Exhi tQ bi
su re
poolste t da atus. stus i or nieda as ca pur eve ce('PV' a aquaiid i r a e s r tThi r t s ga z s pe il pos hil ' ' nd S ) lfe s ca pur s e iy (QS 'whihr c i ss i oxte t . SPV i or ni dbyt pe il po e ntt ' PE' c e eve pecal r amentThe T ) s ga ze he
Fr au d. co
m ort gages bei servi w ere i f ecl ng ced n or osure.Roughl hal of t y f hese wer servi by natonal e ced i ba or f der t it .Overt l pe c nt o al m or g ges ha pa en s pa tdue or w e e i nks e al hr fs we ve r e f l ta d ym t s r n f ecl e and over 7% w ere seri l delnquent eiher i f ecl ur or m ore t or osur ousy i - t n or os e han t hree m ont delnquent hs i .
The QSPE i a we k r post y and i no e ge i aci mana men o t a s t .S a s a e ior s t nga d n tve ge t f he s e s o,
b te REMI t b pase t ou t te c rlc e hol s Co inc wih t REMI and y h C o e sd hr gh o h e t at der. mpla e t he h C i ultngt tus as esfom c e t soft r pa te ( ce eors r iet tus)ladst ns ai he r t s t r r dior hid ris who r at e vc he r t e o
The above f t and t enorm ousi plc i ofi,cannotbe m or em phatcaly st ess ac , he m iatons t e i l r ed.
A t calm ort ypi gage poolconsiu ofanyw here f 2, t 5, l s rom 000 o 000 oans. srepresent m ilonsof Thi s li
dola si c s fow pa nt ea hmont fom as r ier(e evi pa lr n a h l yme s c hr e vc r c i ng ymensfom bo r we s t t r r o r) o a REMI ( PE wi. t c s fo ' sn t o ' tx-r ,t t tus ( C . e C QS ) t he a h lw ' ig hr ugh' a fee o he r t REMI) Thos h pas ,
proceeds are nott axed untlr ved as i i ecei ncom e t t i o he nvest s.Onl t i or y he nvest s have t pay or o t axeson t paym ent ofm or gage i er r ved. he s t nt est ecei The t axes a t ustw oul have t pay on 30,50,or100 m ilon dolarsperyeari t s d s t ough' r d o li l f hi ' pas hr ' t i beneftdi texitw oul be s t i and i woul subsequenty,l axaton i dn' s d ubs antal t d, l owert val oft he ue he certfcat t t i ii es o he nvest s,t t ue benefci es oft or he r i ari hese t ust .W or w hatw oul be t case i r s se, d he f a t t t w as or zed i Februar 2005 w er f rus hat gani n y e ound t have vi at t REM I gui i o ol ed he C delnes
outi d i t I t nal ve Co ?At$4milonperm ont i c hfo t ewo dars ove lne n he n er Re nue de li h n as lw,her ul ie r $200 miloni i omet atwoul now bec i r dt xa e. li n nc h d onsde e a bl
I i wor h repeatng t i or f one of t t s t i hat n der or hese i tm ent t ts t qualf f t 'pass nves rus o iy or he '
So,i t t ust ora servi ,ora t ust actng on behal ofthe t f he r , cer r ee, i f rust i f s ound t have vi at t o ol ed he
st us of t REMI c be r at he C an evoked. Thi of course, w oul be t equi ent of fnanci s, d he val i al Ar ageddon f t t ustand is i t s. m or he r t nves or
A REMI c n be s r t e as a e iy (. ,pa t s p,c por ton,ort us) or smpl as a C a tuc ur d n ntt i e. rner hi or a i r t i y
segr ed poolofas s,so l as t entt or poolm eet cer ai r r ent r egat set ong he iy s t n equiem s egardi t ng he com posii ofass s and t nam r oft i ton et he e he nvest i erest No t i i pos atthe REM I ors' nt s, ax s m ed C l .To qualf asa REM I a1 oft i erest i t REM I m us cons s ofone orm or cl evel iy C, l he nt s n he C t it e assesof ' ' regul i erest 'and a si ecl offr duali erest ' ar nt s' ngl ass fesi nt s. '
Regul i er s can be i ar nt est ssued i t f n he orm of debt st k, part hi i eres s, or t , oc ners p nt t rust certfcat ,or any ot f m ofs ii ,butm us pr de t hol t uncondii ii es her or ecurtes t ovi he der he tonalrght t i o
ww
debt f f alt pur or eder ax poses A r i . es duali eresti a REM I w hi i any REM I i erestot nt n C, ch s C nt her t a r ari er t i,on t ot hand,t han egul nt es , s he her axabl asan equiy i er . e t nt est Accor ng t Secton 860 oft I ernalRevenue Code,i orderf an i di o i he nt n or nvest ententt t qualf m iy o iy
asa REMI als e i t ' onti i 'a t a f rpr e s ( ft not )mus be tue a C, l t ps n he ' rbuton' nd r ns e oc s o he es c t r nd
E anaton ofSec i z i -Page4 of15 xpl i urtiaton
w.
St
op Fo
vey src REMI g dei ( i plc i or t q lf asaREMI ,t ' s t oug 'tx r tit C ui lnes put n a e n der o uaiy C) he ' s hr h' a pa
re
i erest i t m or gages hel i t nam e of t t ust ar cl m ed by anyone ot t t nt n he t d n he he r e ai her han he i nvest s, t e t ar m aki t or hos hat e ng hose cl m s are eiher def ai t raudi t i tor , or t ng he nves s he hom eow ner & court orbot s s, h.
clo
t ough'txbe iofaREMI (not rwor ,obeabl t qualf t beabl t ber fredt a hr 'a neft C i he ds t e o iy o e o ee r o s aREM I , L ALAND EQUI ABLE I C) ALL EG T NTERESTI T MORT N HE GAGESHEL I T NAME OF T D N HE HE T RUSTARE VESTED I T I ESTORS noti a N HE NV , n nyoneeleATANY TI l lg a s ME. f e al nd/orequia e t bl
Exhi tQ bi
su re
Fr au d. co
uniat alrest ucm ri oft terms and condii oft ori nalnot and m ort l er r ng he tons he gi e gage.
ser ci agenti appoi ed.M or vi ng s nt eover al lgaland equiabl i eres i t m orgage ar r r , le t e nt t n he t s e equied
morg enoe/ s e i tfedf i l in i a entt s e ngaREMI sausmus bes di o tag t a s t den ii or ncuso n n iy e ki C tt t ol nt
Bef e securtzaton, t hol of an enf ceabl not has a fnancal responsi lt f any or ii i he der or e e i i biiy or pos i e l s t tm a oc ura i i f o a pos i ede a t whi h m e nst thol al o ha t s bl os es ha y c r s ng r m sbl f ul, c a ha der s s he
a hort t t sepst a dan s hl s s(herghtt f e l e . c ii ton,howe r ut iy o ake t o voi y uc ose t i o or cos ) Se urtzai ve ,
efectvel severs any such fnanc alr f i y i i esponsi lt f l biiy or osses f om t aut t t i r he horiy o ncur or avoi d
t hosel ses. os W ih s t ecurii i the m ort tzaton gage i c s onvert i som et ng dif ent f w hat w as orgi l ed nto hi fer rom i naly r epresent t t hom eowner. onet np sncet part m aki t decii t f ec os does ed o he For hi i he y ng he s on o or l e notac l hol any l orequiabl i er ti any sec ii m ort tualy d egal t e nt es n urtzed gage,t have notrealzed hey i any l or dam ages resuli f oss tng rom t pur ed def t.Theref he port aul ore, i al f l t so olows t t hat he f l i part avoi t labiiy w hi coul resul i a cass of certfcat hol s cl m ed orec osng y ds he i lt ch d tf l ii e der ai
purc ng m os oft certfcat i ued. hasi t he ii es ss An SP c nnots l an i vi lm or g ge be a e i vi V a el y ndi dua ta c us ndi dualm or g esa e nothe d i vi l t ag r l ndi dual y by t certfcat hol s;t t he ii e der he housands ofm ort gages he d i t nam e oft REM I are ow ned l n he he C
c lcie byt c riiaehode sLi wie t c riiaehoder c nnots lt morga sAl ole tv b he e tfc t l r . ke s ,he e tfc t l s a elhe t ge . l
t cer ii tehol shavearet securtes each ofwhih can bepublcl t he tfca der he ii , c i y raded. The certfcat hol s are,i no sense, dersofany s fci vi not and have no l or ii e der n hol pecii ndi dual e egal benefci i eres i any s fc i vi i al nt t n pecii ndi dual not The cer ii e hol s do not each hol e. tfcat der d undi ded f ac onali erest i a not w hi added t her,t l1000 The c ii e hol vi r ti nt sn e ch, oget ou A. ertfcat ders a s ar nott a s g e o one orm or s ii i t lm e pa ent m a pur ua t t no e. lo e he s i ne s f e pec fc ns a l nt ym s de s nt o he t For t cer ii ate hol t e i no not A cer ii e hol does notl t a specfc not f he tfc der, her s e. tfcat der ook o il e or t r i s m e ' i m e pa e .I t a t c r iiat hol ho ds a s c iy s m iar t a hei nve t nts nco ym nt ns e d, he e tfc e der l e urt i l o bond w ih specfc defned paym ent The i suer oft us certfcat i seli segm ent of cash t ii i s. s r t ii es s lng s
fow . l
ww
w.
St
op Fo
i t bl n he enderand t bl ng t he endi akespl ace. I m i appeart t i lt t alenat t not has no adverse consequences f the debtor t ght hat he nabiiy o i e he e or , but r ecent hi or di pr st y s oves t s noton. Several l sl i and exec i efor s t pur hi i egi atve utve f t o sue aler e di e r ut on and t provi fnanc alr i t di r sed hom eow ners have been t nat sput esol i o de i i elef o st es t art by t i lt oft Unied St es gover entt buy securtzed m ort hw ed he nabiiy he t at nm o ii gages w ihout t
re
clo
Secur tzaton al m akes t m ort ii i so he gage and not unalenabl The reas i si pl once e i e. on s m e: certfc es have been i ued,t not cannotbe t ans er sol or conveyed;at l t noti t iiat ss he e r f red, d eas n he sense t suc a t ans er,s e,or conveyance shoul be consdered l f ,l ,and l tm at hat h r f al d i aw ul egal egii e. Thi i bec s s auset securii notef he tzed oreverchangest nam re oft i tr enti an ireversi e he hat ns um n r bl way,m uc i t s e way t i vi h n he am hat ndi dualst aw ber es and i vi r ri ndi dual bananas can never be ext ac ed,i t r ' hol 'f m ,f a s rawberr banana m iks r t n hei ' e' or rom t w y l hake once t ve been dr hey' opped
Exhi tQ bi
su re
wr f li ur r uli fom am odiia i ma t ac e analer t diput r ol i ong u nj y es tng r fc ton de o hive t na e s e es uton.
Fr au d. co
t entt ihi t t he iyw t n he hreem ont tm e peri cal at f t ofii st t day oft REM I h i od cul ed rom he fcal ar up he C.
fom t d eof'trup'o t e iy.Ther f e e y ta froft not s mus beatue r he at ' a t ' f he ntt s eor , ver r nse he et) t r
The Charu
I ordert m ore easiy i iy t partesand t rrel i n o l dentf he i hei atonshi t t s ii i ar p o he ecurtzat on rangem ent , i i usef t vi i i di am f m . par i to a securt zaton and t rrel i ts ul o ew t n agr or The tes ii i hei atonshi t eac ps o h ot , ncudi t dutes a oblga i one pa t o e t a he par y i r er e t on W a l her i l ng he i nd i tons r y w s o not r t , s ef r d o l St reet as ' Deal' The Deali creat and defned by w hatf i as a decl aton oft , ' The ' . s ed i unctons ar i rust a s known a ' he m as ers v c ng and poolng a ee en ' her fer' i a ee enf' lo s' t t er i i i gr m t' ea t poolng gr m . Char 1 bel show sa Ne AssetTr tcr ed t convertl t m or gage debti o s t ow t us eat o ong erm t nt hortt , erm publcy t aded securii il r t es.
Char 1 t
LegalTil te
Tr ee ust
su re
*
llnefl ' te l alTlg
Certfcat ii es
Monlagee
ww
The t ansf purc r eror hasesa por f i ofm ort tolo gagesand selst l hem t a t us .Thet purchas t o r t rust es he m ort gages.The t ust hol t m or gages and becom es t hol ofl tte.The t ustt r ee ds he t he der egal il r hen
w.
St
op Fo
re
colat alPool l *r
( ust Tr )
A sset Tr ust
clo
Exhi tQ bi
Fr au d. co
ran he A r c
Tr anche B Tr anche Cn
The c oncept ofs ii on i brilant I began asa si pl i ecurtzati s li . t m e dea;a w ay t convertilqui l o li d, ong t erm debt i o lqui t adabl shor t m debt I cashes out t l nt i d, r e t er ,t he ender alow i t l , l ng he ender t o m ake new 'oans'w hie r i ng an i m edi e profton t not s d. ' l ' l ealzi m at i he es ol
a or ofprort A s ortanc wilge pad be or aj ortanc . j orr t pr desa n der i iy. eni r he l t i f e uni r he A uni a e ovi
Thet a vare y ofta het ti c ea e i lmied onl byt lmisoffnanca i enuiy. ype nd it r nc ha s r t d s i t y he i t i il ng t Tr anches have been creat whi h pay onl a pori ofpri palrepai on t m ort ed c y ton nci d he gages butno
i eres nt t. The i nvest s buy t m or gages f or he t rom t t f he rans erorby payi c t t t us ee w ho pays t ng ash o he r t he
tan fr .The i t s pur has s c ii (eriiae ) whc a e c ltr lze by t r se or nvesor c e e urtes c tfc ts ih r olae ai d he
c riiae t tar is d t unkno be fca i (nvet r)whos c riiaeswee is d e tfc ts ha e s ue o wn neiires i so s e e tfc t r sue
t ransacton. i
Thi t n r ies que tons s t bl f a 1w s hoole mi ton or lw j na aril Ar t s he a s s i uia e or a c xa na i a our l tce: e he Igaltte ordo st t u tealohol t ebe pcal il W hiet s ma begood que tonsf a e il, e he r se s d h ne i tte? l he e y s i or n
ww
More ger ane i t f i t an ass t usti lkel nott t ofsecurii i vehi e t hol m s he act s hat et r s i y he ype tzaton cl o d a deb o ' m o t ge Thi i be a e W a lS r tde i t i pr ve t ' s tt us pa a gm d I t rs r ga . s s c us l t ee c ded o m o he as e r t r di ' f , t Dealcoul be m ade saf f ,and m or l atve t t i t ,t i he d er or e ucr i o, he nves or he nvest w oul pay m ore or d
w.
ac adem i exer s t ar t germ ane t def ng t debt bei sued i f c ci e, hey en' o endi he or ng n orecl e.The osur r on i t undereihercase, het t hass andi t f eas s hat t t rus ee t ng o orecl ose.
St
purhasr o te ec t atsrw/ be pca hod r o henot, ar t yme e pu c e so a c es f h s ersc e E / ne il les ft y e or e he r k rhasr f c ntac rghtt pa nt om t tus?I ot rwor ,I t tuse lmiedt ben t hol o o r t i o yme fr he r t n he ds s he r te i t o ig he der f
op Fo
So,whereas i w oul > ke an ext el s t d rem y avvy person t undersu nd why thi ar o s rangem ent i s pot i l t entaly roubl esom e t t hom eownerw hos not hasbeen used i t sw ay,i F oul t an o he e e n hi t d ake om ni enthom eow ner t know t securtzaton i even goi on i t frstpl Forreasons sci o hat ii i s ng n he i ace, al eady s ated above,i i not onl dii r t ts y s ngenuous t s o uggestt s urtzaton does notafectt hat ec ii i f he ri soft debt ,i i dow nri di hones . ght he or t s ght s t Nevert ess,f purpos ofbreaki dow n t t c i bie- i pi hel or es ng he opi nto t szed eces:sufi i t say t fce t o hat t t t purchased m ort he rus gages and sol c ii at Anot w ay t descrbe i t t d ertfc es. her o i t: he rustbought catl and w ound up seli gr te lng ound beef .
re
clo
underone ofm any dif ferentt ypesoft ranches.How ever, he debt - t hom eow ners;t peopl t ors he he e who provi t i de he ncom e t f hat unds t entre securtzat on schem e - have no s i t m att he i ii i ay n he er bec ause t y are never t d w hat w il be done wih t r not I i never di os i t he ol l t hei e. t s scl ed n he
Exhi tQ bi
su re
m ort gages hel i t d n rusti t colat pool Legaltteto t m or gagesi hel by t t t and n he l eral , il he t s d he rus ee benefci tte i owned by t i t i al il s he nves ors. Onl t e r e y s vv de or i t sar a m en w oul kno t the s d per y he xt em l a y bt n hi r nge t d w ha houl haps be n t gi o becom e concerned upon l earni t hi m or gage not had been sol to at ng hat s t e d rustand exchanged f or
Fr au d. co
c r ii at s c l d t a he . e tfc e , ale r nc s
t pr i now . he ofts 3. Us t lqui f e he i d unds t m a ne l o ke w oans and e n pr is t t ar i m e at l r aiz . ar oft ha e m di e y e i ed.. t f s a c r s as oc a ed w ih m ak ng l ,a t he ee nd ha ge s i t t i oans nd he
a i and ag i ( welas gan an as l pr isa s itdwihlqui tngt ne l nsa quikl a pr tc e.a s on) oft s ocae t i dai he w oa s c y s aciabl. nd o . .
he 4. Maxi i ear ngs by t ansf ng t asset so t t asset cannot be reached by t m ze ni r erri he s hat he s
a ewilngt pa mor ) r li o y e.
9. I atet t ans erorf labiiy and m ovest labiiy t t i nsul he r f rom i lt he i lt o he nvest s. or 10.Leverage t m ort he gage t ans ton by cr i a m or gage backed certfcat t can be r ac i eatng t ii e hat pl edged as an ass w hi can be r s ii and re- edged t cr e a fnanci et ch e- ecurtzed pl o eat i al Pyram i d. 11.Cr e a new fnanc al vehil so m i num bi y com plc ed t al ost no one eat i i ce nd ngl iat hat m
a ve (t 2 t oug 11 .Fori tnc unde t ne ase tus,t i omer c i byt bo iems hr h ) nsa e, r he t st r t he nc e eved he
agai n. To achi t goal lst above,i becam e necess y t s rucm r t Dealt creat a pass eve he s i ed t ar o t e he o e t ough t tand r ace t netas t ust As s n i Chart2 s n bel ,t Dealst s of hr rus epl he set r . how n how ow he art f
ww
w.
colat poolf l eral rom t m or gage debt s i t he t or s axed and t i eres pai t each i he nt t d o nvest i t or s axed
St
unders andswhati goi on. t s ng The ne as e t us s r m r doe notpr i t addii l 1 bene is ofs ur tz ton ls e t s t r t t uc e s ov de he tona 0 ft ec ii a i i t d
op Fo
re
contngentlabiii c ri on t books. i i ltes ar ed he 8. Avoi t efectofdoubl t i of fr ,t t tt w hih t asset havealegedl been d he f e axaton , ist he rus o c he s l y t ransf red and,second, hei er t nvest w ho r vesi or ecei ncom e f t t ust rom he r .
clo
he rans eree by appoi i ntng 5. Cont o m ana m en of t ilq d a s t i t hands oft t f rl ge t he li ui s e n he m a ge swho e r s vi ef esa m a be afii e w ih t t a f r . na r a n er c e nd y flat d t he r ns e or Be abl t em pow ert t ansf t supportt t f ed as by t ng a por i of eo he r eror o he rans err set aki ton t fr l es experenced,i any,f he ist oss i f rom def t ent i i o agreem ent to r aul, er ng nt s edeem or repl m ort ace gages i def t and com m i t pr di capialcont i i ,i needed,i n aul t o ovi ng t r butons f n ordert s o upportt fnanci condii oft t ansf he i al ton he r eree. Car y t reserves and cont ngentlabiiy f t s r he i i lt or he upportprovi i par ded n agraph 6 of t f he bal ance sheetoft t ans eror t eby esc ng any r erve r r ent i posed upon he r f , her api es equiem s m
Exhi tQ bi
su re
Fr au d. co
I m edi el lqui e an ilqui asse such asa 30 yearm ort m at y i dat li d t gage. 2. M axi i t am ount obt ned f m ze he ai rom a t ransf oft m ort er he gages and i m edi el r i m at y ealze
on s ai f tr ght orward easl chart pat The pat oft m ort iy ed h. h he gages i ii t not hol at dentfes he e der
Chart2
* '
. .
No- H@M*e
N@* M*l de
2. W AREHOUSER.The ori nat sels t t ac i t t w arehouser. The w ar gi or l he rans t on o he ehous er t be m e t not hol r hen co s he e de . 3. TRANSFEROR.The w arehouser buys t m orgage and al buys ot m ort he t so her gages t o assem bl a por f i ofm ort e tolo gages The portolo i t sol t t t . f i s hen d o he ransf orw ho i t er s he i tatng part of t securii i The t f nii i y he tzaton. rans eror t becom es t not hol .The hen he e der
t ransf orcreat t securii i er es he tzaton.
ww
f i or urii i ypi l ai rom 2, 000 t 5, o 000 As pr vi usy s at a portolo f sec tzaton t caly cont ns f e o l t ed, m ort gages.
w.
St
op Fo
credior her caled t ' i nat ' a. a.t m orgagee. The t t e l he ' gi or' k. he or t ransac i consits oft ton s he m ort gage not and t m or gage.The orgi orbecom es t not hol e he t i nat he e der.
re
clo
Exhi tQ bi
su re
Fr au d. co
each st . age..
s urtzat on. ec ii i
Char 3 t
ww
w.
St
op Fo
re
clo
su re
Exhi tQ bi
Fr au d. co
Ther are m any dif e ferent st ct nl ures f securii i but t pot i negatve i pact of or tzaton he ental i m s urtzat on on t debt i t sam e. The c t on t f l i page s s a t cal ec ii i he or s he har he olow ng how ypi
MOE GA T GE
M iT pc an c i
k se l r e atre/cr
Tkt . r:
*s M.
s$ '.. * . -** s.
'w.. '
.$. q
b . N
N y
N
su re
k4lae , j: j
'Mdie rcjps
Ta t l fl h
, :Rtrp . tt gs ' g
. , r
'. ..
' .
Cse i utta n
clo
re
Ta lzc rr frr
The s ruct e seen above i caled t 'Deal' The Deali creat t t ur s l he ' '. s ed hrough a com pl i t ent ex ns rum t ,am ongot t ngs.. hat her hi .
ww
w.
1. Ser asa decl i oft ust ves araton r , 2. I ii t par i w ho m anage t Deal and des bes t r dut es r dentfes he tes he cri hei i , esponsbii es, i lti la lte a oblg i , i biii s nd i atons
St
op Fo
Exhi tQ bi
Fr au d. co
$.
s de e k s pk r
k h:fd l i *
gsxnn y y i. do
U r Eu: la pl
Fe g zcu t p ry d e nerat
Char 2 show st m ort t he gage por f i i t handsoft t ansf who wcst notehol t olo n he he r eror he der.
The Tr fr I t ' w a i o d' s urtz ton pr es (ho i Char 3 ,t anse or. n he ne nd mpr ve ' ec iiai oc s s wn n t ) he
t ans erort ansf t m ort r f r ers he gages t the underw rt I addi on,t t o ier. n ti he ransf or m ay ar er range f or c e t e nce e s t be t ans e r f t bene i a pr e ton of i s or . S h r di nha m nt o r f r ed or he ft nd ot c i nve t s uc enhancem ent m ay i ude lqui as s,ot securii ,and per or i m or gages i excess of s ncl i d set her t es f m ng t n
t morga eporf i bengs d.NOTE:tetanse oralous al obl e zs / t rde m and he t g tolo i ol h r f r s u k i s 'f o e e gat e rplc an mo t gei deaul. e a e y rga n f t
The Underw rier. The underwrier creat t s urtes and arr t t es he ec ii anges t pl t vari o ace he ous
ta hes ofs urtes ( fe en ca s s ofc tfct ) wih i sor.The under ier t n rnc ec ii difr t ls e eriiaes t nve t s wrt he
tr erst m ort ansf he gage por f i and sec ii. t t i tolo urt s o he ssuer.
or nied a aQuaiyi SpecalPur eEniy (QS '.Asprvi l sae whatmake t ga z s lf ng i pos tt ' PE' ' ) e ousy ttd, s he
entt 'qualfed' i s i adher iy ' ii ' s trct ence t a s of r es.Am ong ot t ngs,t o et ul her hi hese rul m ake t es he
Cus odi TheQSPE tanser t morga porf i t t c t a whoac sa abaie oft t an. r f s he t ge tolo o he usodin t s le he
asset The cus odi i a m ere deposior f s ekeepi oft m or gages. s. t an s t y or af ng he t
Tranches. i The nvest i ors nvesti dif n ferentcass ofsecurii .Eac cl i caled a t l es tes h ass s l ranche.Each t anc i r r he s anked by orderofpref erence i recei ofpaym entand t s entofcash fow t be n pt he egm l o recei and r ved esem bl a bond.The basi s r ii i by order of pri iy of paym ent f om es c t atfcaton ort r hi ghestt l esti cat i asf l s:seni not ,m ezzani not and unr ed equiy. o ow s egorzed olow or es ne es at t
ww
Pardes descri bed i t M aster Poolng and Servi ng Agreem ent The Deal es ablshes a n he i ci t i m anagem entst uct t supervi t i r ure o se he nvest ent The s fcpartes f a Dealare i m . pecii i or ndentfed ii i t m ast Poolng and Servi ng Agreem ent w hi st es t r dutes and oblgatons,t r n he er i ci ch at hei i i i hei com pensaton,and t rlabiiy.Typialy t m anager i ude:t Mas erServi t Tr t i hei i lt c l he s ncl he t cer, he us ee, t Subser cer and t Cus odi he vi , he t an.
w.
St
op Fo
QS apasi e iywhihhasnolgal e t ettet t morga si t mo t geporf lo PE sve ntt c e or quiabl il o he t ge n he rga toi andrsrc mo hc ino t morga si t porf i. e tit dl ato f he t ge n he tolo Asar s tt QS pr vi t t ivesor t benei oft ea ni ( i t ibyt morg e e ul,he PE o des o he n t s he ft is r ngs pad o t he tag de or)no bengtxe The ee r ngsfow t ought QSPEt t i sor. yt i sor bt s t i n d. s a ni l hr he o he nve t s Onl he nve t s
re
clo
su re
Exhi tQ bi
Fr au d. co
The i rum enti fl w ih t Securii and Exc nst s ied t he tes hange Com m isi and i a publc recor Thi s on s i d. s doc enti t m os i port s ce f di um s he tm ant our or scovery as i pr des t who,t how,t wher t ovi he he he e, and t when oft Deal he he .
Subservi cer. The Subservi i r ponsi e f dealng w ih t pr cer s es bl or i t he oper y ow ner t s; colec i m ont y paym ent , keepi account and fnanci r ds and payi t l tng hl s ng s i al ecor ng he m ont y proceedst t t us eef di ri i t t i t by or oftr he. hl o he r t or st buton o he nves ors der anc The Subservi m ay al be responsi e f f ecl ure i t event a m ort cer so bl or or os n he gage i i s n def t or som e deal cal f t appoi m ent of a speci s aul s l or he nt al ubser cer t c ry out vi o ar f ec os Usualy t subser ceri oblgat t m akem ont y advances t t i tor or l ure. l he vi s i ed o hl o he nves s f eac m ort or h gage i def t I addii t subservi m ay al have undert n aul. n ton, he cer so aken t o redeem orr ace any m orgagei def t epl t n aul.
Ques i wor h as ng. e no know t a e ami ton oft Mase Se vcng and Poolng tons t ki W w hat n x na i he t r r ii i
Agr entfl w ih t SEC w ilr eem ied t he l eveals t i bar erst a l f f ubs antal ri o aw ul orecl ur W e al o know os e. s t her ar partesi ved i t sarr hatt e e i nvol n hi angem ent asw el asi , l nsurance produc s i pl i ended t n ace, nt t fnancaly t o i i l f cover'cer ai 'osses'i cert n siuatons such asan aleged def t ' t n' l 'n ai t i , l aul.
I lg oft s t r a eafw q sinst Subs r c ra n iht hi,he e r e ueto he evie nd/ort S c s rTr t and/ t he uces o usee or he
ww
w.
* Hav you rad and ar youf larwih t Ma trSe vcn and Po ig Agr e nt e e , e amii t, he se r iig oln e me rl ig t t smorga t was e wiht SEC? eatn o hi t ge hat pld t he @ Th s r fe , b e vc r o s ote pary (o e p t)l epmad apa ntt tep t e ' vc r Su s r ie, r ome h r t c untr ary j t e k e yme o h /ry . whoal ge y o .t pu o td d btobl in Tl pa nt1 ma ,wt i e de t c v r l dl wn he m re e e i o . /' yme l/ de l ntn d o o e gat l & :
s mstatar al ge t bei df l.T rf r,t epa t wh al ge ownt pu pore de u h e l d o n eaut he eo e h ry o l db . he r td bt e e oblaton h ,b vnueo t pa n notbe ndama d i a y wap T rf e I an s lq i as . i f hat yme z k y e ge n n .. he eor ,T y ums hav t s b e p d i lben tutf b satd tat deaut so c r e e hu b e n ai,l s' ig r h ul t e h a f lha c u r d? ow !
St
f ec os l fr who cl m s t have t l or l ure aw im ai o he egalrght and aut iy t conduct a f i hort o orecl osure, oughtt be prepared toanswerbef t f ec osuregoesf w ard: o ore he or l or
op Fo
re
The t m ' er ' count erpart 'i f y' s requenty ass at w ih f l oci ed t ' count part ri 'whi ref s t er y sk' ch er o t ri t t count pary w ilbecom e fnanci l unabl t m ake t ' ai s't t he sk hat he er t l i aly e o he ' m ' o he cl i t si t nves or f here ar a s t i num ber of m ort e ubs antal gage def t The count auls. erpart m ay y guarant t oblgaton oft t ans eror or servi er t redeem or repl m ort ee he i i he r f c o ace gages i n def t The c aul. ount erpary m ay al guarant t oblgaton oft subservi t m ake t so ee he i i he cer o m ont y paym ent f m ort hl s or gagest ar sai t be i def t hat e d o n aul.
clo
Exhi tQ bi
su re
Count erpart Fi l t y. naly, here i a count par y t m ake s t i t getpai on tm e. s er t o ure hat nves ors d i The count erpart i lke an i urer or guarant on st oi ;a repost y ofal ki of y si ns or er ds ior l nds fnanci ar i al rangem ent t i ure paym ent t t i s o ns o he nvest Such fnanci ar ors. i al rangem ent s i l dervatves cr tdef tswapsand ot hedge arr ncude i i , edi aul her angem ent s.
Fr au d. co
Trust The day t day oper i oft colat ee. o atons he l eralpooli adm i s ered by t t ust s ni t he r ee. However t t t does ver ltl si t t ustm ustrem ai passve.The t ee does , he rus ee y ite nce he r n i rust nothave a l or equiabl i er ti any m ort egal t e nt es n gage i t por f i because t t usti a n he tolo he r s m erepassve condui. i t
M ast Servi er cer.The Mas er Ser cer i i overal charge oft dealand s t vi s n l he upervi t ses he ot m anagi partes. her ng i
#'h iv s me t u tt ato tn ft o st e mo t ge o lato l a REMI t tuse ,te t e n e t nt r s h se sby wn h rga bl in ' k q . Q he r te h t l c t e ryh,t cai tatt e ar t a ntf te hod r o te n ef pur s s o usyn d h l t o l m h hy e he ge or h le f h ot or po e f sa ig t b ig ana tono or co ur, esatn algalmpo sbit l l o hs h wh tndn o rn c i ff e ls e ar t ig e i si ly n i fti, . at i ght g autort c h i anyous ow t t c na nse al u f e ls r ? y h ha you a dmiitr awf lor co u e
The e ar m any m o e ques i t tc a s d be a ke i s h a st i The al s e r e r tons ha an nd houl s d n uc iuaton. y l t m f one cent f :a not t has been sec ii and subm i ed t an entt qualf ng as a rom ral act e hat urtzed tt o iy iyi
REMI a or ni d a a Qualf ng Spe il Pur e Entt , i not e or e e That i a C nd ga ze s iyi ca pos iy s nf c abl. s n
i ont ove bl f t t t s r c r o se urtz m or g ges w ilha t c w ih a m or a nc r Y e ac ha e vi e s f c ii ed ta l ve o ope t s e nd m or hom eow nersdi e scovert t ut he r h.
Concl on usi
i er ti t m ort nt es n he gage i supposed t be t ansf ed f w ar tot c tfc hol . s o r err or d he er ii ate ders
nothavetheabiiy t f lt o orecl on any one i vi m ort ose ndi dual gage because t m ort he gages hel by t d he REM I have al been bundl i o onebi i C l ed nt g ncom e- oduci uni. pr ng t
TheI r tone anst ts c ii tonc it ofaf wa amaga ton.I i parl 1 a ntoduci xpli ha e urtzai onsss our y l mai t s ty ) r fnancng wih a pldge o a s t,2 a s l ofases 3 an is e and s e ofr itr d ei i t e f s es ) ae s t, ) suanc al egse e s c iiswhihc nbetade publcy and4)t e t ihmen ofatus mana dbyt r p t e urte c a r d il, he sabls t r t ge hid ary
m anagers. Al di cussed i t f thatenac ed l and case l appl t each com ponentofsec ii i so s s he act t aw aw y o urtzat on, but t specii enablng l sat on to aut i t organi i of a s ii on, and t hat fc i egi l i horze he zaton ecurtzati o har oni t operaton oft e di se c ponent ,does not e st Thi bears r m ze he i hes ver om s xi . s epeatng even i m or explcil becaus t s i cent t t ri s of a hom eowner f ng f e i ty e hi s ral o he ght aci orecl e whose osur
ww
unde li morg eha be s c iie s cpce ln Igil int aut rz t pas t ou ryng tag s en e urtz d:pe l nubig e sato o ho ie he s hr gh sr t eo tus hol n amorga porf i do sno e s. tucur fa r t dig t ge tolo e t xit
w.
St
op Fo
re
passt ough t beneftt is i t . hr ax i o t nves ors Does t Mast Servi ng Agreem ent - m ade publc t ough is flng w ih t Securii and he er ci i hr t ii t he tes Exc hange Com m i on - show t t entt i a REM I I so,t not has becom e unenf ssi hat he iy s C? f he e orceabl e bec us t unnam e par i w ho a e r c i ng t pr t x i om e f om t e iy ar t r al a e he d tes r e e vi he e-a nc r he ntt e he e
clo
I an c s , he c tha i bo h wa . s r c rc tcam t hol lga and/ore vbl n y a e t y anno ve t t ys The e vie anno li o d e l qui e i er ti t morg ge hel i t name o an i s me t us t talo pr i s t ( nt es n he t a s d n he f nve t nt r t ha s ovde he REMI ) C
Exhi tQ bi
su re
Pr vo l i wa sa e t ti or rf t i sme e iyt beaREMI (nohe wor s i e iusy,t s tt d ha,n de or he nve t nt ntt o C i t r d ,n or rf t e iy t beabl t qu iyf t sngetxa ee ntasapa st oug e iy,a1 de or he ntt o e o alf or he i l a bl ve s hr h ntt) l
Fr au d. co
Q 'E andteo h rp te J r ll. t tu thav nolgal e t l i e e ti tes c iie SP h t e aris e v''g he r s, e e or quiabe ntr s n h e urtz d cn morga s T rf r ,an s r ie wh alge t tte h e te ryht o t t y h e b e t ge. he eo e y e vc r o le s ha h y av h l i r hat he av e n
Richard Kessler is a graduate of Yale Law School and a Washington , D .C . attorney . documentaryclearinghou se .com
ww
E pa ai o S c r i to - a e1 o 1 Exhi tQ x ln t f e uiz in P g 5 f 5 on ta bi
w.
St
op Fo
re
clo
su re
Fr au d. co
So as i now s ands a l f f t t , aw ul orecl ur cannotoccur agai a m ort os e nst gage whos note has been e securi zed because ofthel ofan ac ualdam aged part w ho hasst ng t st ea cl m . ti ack t y andi o at ai
M any unr ved l i esol egal ssues coul be addressed i t Unior Com m er alCode Com m i oners d f he f m ci ssi added a chapt f securii i How ever t hasyett happen. er or tzaton. , hat o
Case 9:11-cv-81163-DMM Document 1-4 Entered on FLSD Docket 10/19/2011 Page 50 of 53 100025440003395388
N OTE
I
0039153879 . N,.
JUPIYRD
( tj cI. )
I DWRX AXM=)
BORROW ER' PROM I T0 PAY S SE l r tr f al tatIha emc v 1pr s t Ny U S & n eun or oan h v ejed, omle o plsmtr t t teor rofteLe r Th Len rI u ees. o h de h nde e de a
6 000 00 50,
lu e sa tutt Le rma ta f rdzs Not The Le de ora yone who t estusNol b ta l a d who l e l d nd r t nd l he nd y r ns e l e n r n ak l e y r nser n s ntue t rtev N ymensun rt :Not I c ledle * eHole * o e le t de hl e s al Not dr
Tm mtrs rt rq e b t sY t n2l tert I-1py1 1b fr a da ra yd futd snG l S c o 6B)o l eet ae e mrd y l u l s h ae 1 =11 eo e n he n ea l ec m e n ( f o
3 PAYM XNTS
1m 1 mnk my mont y p me on t l ' e hl ay nt he IIXS' d yofe chmo h b gl g o a a nt e nmn n Dee- hor z 2006 Iwgj mak tes pa e h e ymens e r m o h unolIba > 1 al oftepr om lan mtr ta an ohe c ar sdecnh d a l ta I t ve' nt y ve d l h m l d ees nd y t r h ge ' s ow h t ma o t e t sNoe Eac mo bl D yme m l l a ld a of1 xh e duedaea : 1l a phe t mtr Y f e y wm md r hl t h nt y nt l x ppl s 1 eduld e t nd =1 x p d o eex or Is lowe a na u rt sNot , l lm y t s a nsm f l ul mou nde hl e m 1 Pr mm- l I on W5*** er 1 , 2/36 t ' ho u mou t ulon
4 P 0Q Roa ss c ? D lo
Ik-w ux- huo X '''. ' '= n-----1 ' ' -- <- x> G M - 2waA ''' ''M mw - L. u--&''' ' V aa s * . . . ln.- T. .. .n- . . . % Lx o %T T-' xxu - a% l.. 4 ww. V. A .. . xo me Py . . % l w . ,. . . .t V cw . T zw x w. .-. at asaP j- o --. .lacD . .%. . . c T .oe .awV u...- .A .--. U.% . . WT V& 2 -.-l . u. ... YK. w . . cw mY le a -= . A- - 2. - - .- G A .'.'. A-'-'' %' ' '- 1- - uA - -- * - = u< > - = - .oumft - -- ...- . ' '* - -----* - -x. he
N ot I . G -Y OMD ' e CXNot e A - M 1- -- - - -- A - Q' ** - --' * . X - - G -- ' - ' *t M - * W1 '- * - W A-- * ' *G he
w.
St
Pr
. .
x xc xx
op Fo
re
clo
aN n e eymo t lmet vr nh
W M OM VA M VK . PSB '
sa m a- n M DX >
su re
G TEREST . J ees vlllech r ed onun- l .r ntr t vl ) a g d p mm- luntltef la ntofPr m lha Y npad Im lpa mtr !a aye ry r e l h ul mou mcl : l l y ces t a l at os 6 875 x .
Fr au d. co
AS
X
..- . %T w T . .- o ... K. . x T *z-
I S ND X E AT
tu a u tI Ol d e mmp l) t s mo n s l pr a* , l e
o cx w n- .. . wjt - u. o
m
.
. '
ww
o cUNI RM I RUMN D NA
* *SIL ( -NF I-
vMpMom u Y Rus ( v I. I w *3
F- 31 ' * :4
jo l . I q r '
'
Case 9:11-cv-81163-DMM Document 1-4 Entered on FLSD Docket 10/19/2011 Page 51 of 53 100925440003395388
0039153879
' Ial . h hape tQsonadwuhstmx u la ca e.s nl mepedsial mtelr tr ' f a w l pbso n l n lc e al m on hr xlsay t rt o th e soo e w o a s m y l r e e r h
wl h e uc v- e > d H hm/s m 1 % r n e t me The Not Hod ma c x t ma e t s r f by rdu 1 efM o e ler y hoo o k hl eue e cmg t! l e Pr mmp llov un rt sNoeorby ma g adt tNyme t me I ar lr duc :Pnnmp l t rdu mn l % te tdas ve de hl t hn r nt o f elmz e e . he c ct v1l rae a pat Prpa nt rml e yme
N.
6 BOZROWER' FAH- T0 PAY ASREQI ED S URE O ( tLat Cl e e o asno$r cPaymee,ulamo ofa mo hl m yme b l e o A) Not mrl f rOv dueeve t fl unt ny nt y e e Hod r h er t l h nt l he f nt y he nd f
Fr au d. co
15
5 0Q
m y o r pa m e ofp vedue y nt nnmm la d mtr s lwzlp y t slt c r e' omptybu onl on eon e c lt pa nt n eet l hl ae ha g pr l t y c a h ae yme I Ido n pa ie f la o tofea hm o hl y ym e to tedaelz du Im l % m dea t f ot y ul m un c nt y n n h t t s e. l ful
l Iam m d a l.te Noe Hol rma s n me a k t not t l me t l 1do n pa.t ovvdue a m by a f efut h t de y e d m t en we clmg bat f ot : l c w mou o ra dae tw Not Hol rma r t eme t P y ,n - ltl lef la e tm t. l e de y equr o r- Oaey l ul moun o Pr t f mmpa whlh ha no l m I ad a1 t l c : t xm d r I hc
( Ne e @ Dea l Q e f fut
m
Fo 3 : :
1tl : ls :. l?
ln c a g sc l ce o t % c l ce m c n e t n wl tl l n e c 4 te yrme d 1 1.te ()a l s t la c r e n n h r e o l td r o o l td o n cl t hs - x e d h r e . h n a l u h o n b g e e o h y s al rd e .ytka u tn o say t r c t. rel tep r HM lmt ad ()a ys sara vclet ro me h l1 e u b h mo n eesr o eu e h g o h eml u . r b n = led olee rm
c l dard yu aen a
%o f
( No W mv By Not Hller D) er e d Ev n I a aumewhe 1a m dea t Ql Not Hol rdoe notr qule me t m y l dft y m f lasd cnY d a ve e t n m rul e e de s e r o mme ael ul es bo .
t Not Hol -r- 1 s llh ve t e rshtt do s l la m de a ta a l t tme he e a 1 tl a h l o o f m f ul t aer l
pad % ek b m e fr alo 1 cosa a e ns m e o mng d Noe t t exe n pr bl b a a e l Tho e l y o l f 1 t nd v es nfr us t o he tnt ot ohl t y pphc bl aw ed s exm ns :moud .f e mpl r a o beat - : fe ' e l e or xa e, e s m l lor ' e 4 ' r
ma1 t t Not Hoo ratt ad es saed m. oln 3( a ve o atadlf e ad e :l Ia gv anotc oft tdlf e 1 o he e l he dr : tt Se to A) bo r ferm dr s f m len le ha fernt
a es de s
'
* x e f e t me :t r tt rq eteNoeHoe t z n d my n o a u t d e * t eo Dlh n r m-' te pls ne n* mo e e o e mr h t l o l n me t f mo ns u Nol f so o* . h n e . rl tor- eteNoeHod rt pv nolet oh rl snsta a l sd ehv n t p l l te h t le o e t o te xro h t momt u e o H*n ad c
ww
w.
9. W AI VERS 1an an ot m ro who hu o ho und r tusNoe waw t nghs o Prs nt n a d Notc of Duh or d y h s n bhN ns e l t l he t f e e me t n le on
St
8. OBLI GATI ONS OF PERSONS UNDER TI R NOTE TI ' I mo et n oq m r e s> t Noe, c pe l f l a pe s ly obhg e t k pa1eft p omnc > de l t s f r hn e s n l hs t eah non s ul nd ronal y atd o ee l he r s n hl Not mc'dmg te p om- t py t f l a m to e, l. h r o' he ul mo wed An N s who l a gu r nt .s y ore reroftusNo l as y on s a a or wet ndo s l * s lo oblNtd t do O S t l e o e hm1 Any m ron who 'b- o r t e obhg to .mcl mg tm obhN t ofa gu r tr,s et o s x ve l ws azns ud l mns aano ur y r en s roftusNot l as o e t t k e alo t pr s smad m t sNot n eNot Hol rmayenore 1 rght t e dore l e.s lo bl e o e p l f he omle e hl e e de t c 1 l s md r QusNot a ms e m r o mdl d ly ora e N t a h s n w ual gams a1ofust et r Th:m e n:tat4 on o = ma 1 r qur t pa alof tl og he l a h ny t f y = e led o y I e a mount owe u ertl Not s d nd hs e
op Fo
re
7 GI NG OF NOTI VI CES Unl : a a e l rqmr sa dl r tmet ,a y n le t tmus l pvm t me u e:tusNoe l ll gt n b es pphc bl aw e e Feen he n otc ha tx e o nd l l wl x ve y del r z o by m-l l by rrtol smalt me a l Pr ry Ad e sal e ora a dl r ta dr s I Igl t Not lve mg t r mg t ls as l o t he om t dr s m t leen d e x f v be e H ol ranotc ofmydl nta es de le Fee ddr s '' . ' ' An nole tatmus bepv n t t Not Hol rl e t sNot : 1l glen by deler lrb mal lby frtcas y tc h t e o he e de md r hl q <1 x v lv mg t y lmg t ls l s
clo
I ieNoeHod rh srq le met my t f s le a e urd o mme aey m fl a d srb da e leNoeHod rml hv ten@ tt l tl ul s ecle Hv , t lg l a e h ox
su re
% .. . .' . . .
o *5l ( -rgD 0
*: +3
Ex diz,p 2 o 4 hi t g f
N*n1NY 1amm M@I% < lfTax Se ye >% 11 laa .m*l >' -* &lk * u o 4uf s* --- * l1 u- xe w dn -= lTe -- *V &a x +l' & me - m x (u*- @ n#-t : .' @ '* *S +>a a : 1/* * NM% Ig - p 1
a e lo e r%:No : mep wo * o f:e u = += 1 - M ow ' e W
N. ..
o M xl x me b ! o h y%
*e o e ml * 3 d f- *e&*t nq npwai a d w% x u 1 wl w d f 1o :m r l ve e a- 1 e e T* < l- w hi l my1 z- Fmr * ---e bo % t l ep t G ., 1 #z > r A- I xn fh: l z e * - ' ==e k tw8 1 T- -- * h * . l - :n l Gi-*
> - = t G : a we 1 t : my /u I DOCUMN ARYTAX L
WO
sTHE
ANDG
400
. >
su re clo
.
>
'
re
%r -
N< )
op Fo
* - ' -
ww
w.
St
$ : rI 1 5z 4
Fr au d. co
.>
.
1* - N gt Pv r e ayT f l r t r n -- l O ' - bz l o ea = * : r lo In a n r od r - dlrlY v w q d n l mr * *1 5 ue I a -' 1 xl - n r e wl L* :pwr l tae xa - * l a- d e e w : 1* mq - .v n' ay tm rlp dl- * . W f H # '-- 'H@ .*w . - - = u f -u - ' -
>
( <
(1t 114 1,
- - -
. -
( ) N
Fl On t W W > l#
'# 11 .==.*
Ne . t Md:Hz* fe e el% e mlkr xle xt - l mo- wY* lmm m tqNp r o g e r k u n l u x * - 1 M- - r= %%1 e t * .: l lI. % * r *me . . my - Mlo 2 r W t # 0* e e l nr d - - m f
'
10Q025440903395388 Case 9:11-cv-81163-DMM Document 1-4 Entered on FLSD Docket 10/19/2011 Page 53 of 53 0039153879
J j
nlNo:uaulr Isxon wl l t vrt msmeJrdcln l adtnt tep tn gvnt Q s t nf m nkbet t l e anmm o ul l os n dlo o h r l s l o s o ' h ml st l o e
Ltn rmay rqule l dc e r mmedlt pyme m f lofaIsz sc ed by l Se urt l tu t Hmv ve tu ae nt M1 l lmt e ur us c l nsr men y e r, ls optons l no 1 e r l b Le dert su h e r s 1 pol t by Ap la eLaw l hal t xe ce y n f c xecle : r uble plc bl l Le e e r e tlso z Le ders l gv > o nomeofa e e al Thenote s l p o de f nd r xe mss ll ptow n h l le w t c elr ton l hal r vl aN ld ofcotls ta 30 * ygfo t d o te n le l pve m ao or no m t se ton 1 m tun wl h o es hn r m he at h oto s n c da e h cl 5 l ue
notx orde n d o H r r z m n n ou
G ro mus py als mms u e b tu,Sec nl Isr ne I N roqxrflst py te e st pno t l r wer t l n ec r d y l u n lur at f r al o h y 'm, r o ha ex zn ofdusm nod.Len rma l ok a y rme e m r d by +l Se unt I tume wlho fe e pyato de y nv e n e dls mme s c y nsr nt t ut t r
7O>
(;a) 1 $1 4 . r( o rw
su re
clo
tea) S 1
w r -K x W t
Fr au d. co
- . -( 1 ) . - .
. . - . ( 1 - Se )
' r m r
I al ra ym r o GeP o t o a y l tr s I teP o ryl s l o t mfrc (rI G ro r1 n t f l o n t f r pry r n ne e t a h r m t s od r r e rd o f r e : o a a n trl ro a daGn s lmtrs m Borwe l sl o 'ntfre )m to tLed rsp rwnt nc ne t aua m s n n e ma ee l ro r s od r rr erd h u n e' no t o sn q e
op Fo
re
(el s a)
-
'
H o r we
St
( el S a)
-
. -. .
.m
m
-
Not Se nt l tum-n decnh show a Y erN aIco ll s Ima 1 r uld t mA e l u. r Tha p.u y nsr t s t M WI e ton y = eq r o mme lt Dyme m f lo al ae nt ul a mount Ioweu eru Not Someoftos o uonsar dec s nd us e h e ondl e snW a f l s s ol mv .
t s
( ) S
A rl r
1 )
Y - we r
payyow soano o,
w.
m or m - : up
. . eR te. svo . . -.
v- i ,., canua o, m o .-
/l O* n tog S> l
tH a , moo v z:. - q y
Am y l nal m ay m v om
-
t m: s oosox :s au P o Ks
sy . j
ww
.'
Q
$
& *X X 3@ *. M *a
'
@ *
.* t 1 Z - *b -
: % = r1 10 % X* */
'* # v
Exhi tZ , pg 4 of4 bi