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Case 9:11-cv-81163-DMM Document 1 Entered on FLSD Docket 10/19/2011 Page 1 of 99 Oct.
11-81163-Civ-Middlebrooks/Johnson THERN 19, 2011 COURT FOR TI E SOIJ I
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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 ;
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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
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Thi cas arsesi erala duet Def s e i nt i o endantAURORA LOAN SERVI CES
V ERIFIED CO M PLAI T N 1. I NTROD UCTION
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
ASSOCI ON ;FANNI M AE;FREDDI M A C;U . BAN K CORP asTRU STEE, ATI E E S.

s ucces ori i er tt LA SALLE BANK NATI s n nt es o ONA L ASSOCI ON ;GM ACATI RFC
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
M CCANN ;CYNTHI W ALLA CE,a k/ CI Y W ALLACE; A / a ND LAW OFFI CES OF
DAVI J. D STERN P. ; A.DAVI J D AW S STERN ESQ;KAROL S PI ERCE ESQ;
CASSANDM RACI RI NE- GAUD ESQ; I BARNES ESQ;J l Do 1- 1 M STY om e 00,

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ASSOCI ON ;PM IM ORTGAGE I ATI NSUM N CE Co;STEW ART TI TLE
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Co ori l v. ea l cque ,2 0 ' 476641( a. DCA 201 . ns tum nc. J n-a s 01 % Fl 2nd 0)
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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
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copy ofa copy ofPl ntf sPr i or No' Def ai if om ss y- rE endantAURO RA
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
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passtz ough Entt a St aw m anE1doi it deal'f LEHM AN BROTHERS * ng the ' or lr iy, r
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A s gnm enti af audul Tr er,orFr si s r ent ansf audul Conveya ent nce;s ee
BROTHERS HOLD I GS I ,asA s i N NC. sgnor,uli a el Redesi ed s overt a tm t y gnat et o
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
As i , xec e o orbe or J y 31t sgnee e utd n f e ul S2006# orwihi ni t ( da t r fe i t n ney 90) ys he ea tr n

accor wih Secton 860D oft l em alRevenue Codeof1986; d t i he nt
12.
f dantAURORA comm enced a s ham acton agai tPl ntf M ay 15t i ns ai if h D e en
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
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LEH M AN BROTHERS BANK FSB,asl Orgi orno l oan i nat ongerhel any rght tte d i , il
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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.
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Pr i or No r i queston i t be f herconveyed fom LEHM AN om ss y- rE n i so urt r
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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.
Unders d TRU ST A GREEX NT AURORA know s,ors ai houl have d
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
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oft col abl Assgnm ent fom AssgnorLEHM AN BROTHERS BANK FSB, wo or e i sr i
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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
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Af em entoned un-ecor Assgnm entwasem pl or i r ded i oyed by AURORA as
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.
Def endantAURORA ,by a t ough isem pl nd hr t oyee A s st V i Pr dent si ant ce esi
LAURA M CCANN, oi d wih c wor rCYNTHI W ALLACE, / aCI j ne t o- ke A ak/ NDY
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.
D ef endantAURORA etal.t tfed t genui NoTE- orgage i under . esii he ne M t s
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,
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As inment AURORA c sg ) omme e a Aci a Pli if i Ca eNO. CAnc d n ton s antf,n s 09-
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andmorgageunde Fl St .f67 30 ' t r a. at 3. 91.'
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AURORA ,M ay 1 h 2009,adm isi i i wantoft sne 4- non t 5t t ts n he i o
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
J ca Cic tasAURORA r c de t ta frofPli ifsdebt( sgnme udiil r ui e or d he r nse antf As i nt

orgi lyc eaed f Ca eNO. 8 - Vi nal r t or s 07- 0998 C1 RYSKAV P /VI TUNAC) t e we ks ,hr e e
aferpl di t r t ih sai NoTE- ort t ea ng o eesabls d M gage;f he m or urt r e, 26.
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
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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
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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 .
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se ngba t M ay 1 h 2 ( mont prort r c di s i tppi ck o 5t 009 a h i o e or ng ad
desi i AURORA ast s eA ssgnee snceorgi i i hel astue, gnatng he ol i i i naton; f d r

29.
t sCour m us i e t fr tAssgnm ent and t f s an hi t t gnor he is i , he act uch
Assgnm entdonecont por i em aneousl am i taBanknz cy pr y ds pt oceedi i moton ng n i
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.
A URORA f i ed s d Assgnm entexpr l f pur esofltgaton, abrcat ai i essy or pos ii i
31. 32.
Assgnmentwasexecut t s i ed o how St ng,wher t e i none,t ce' andi e her s wi ,
wasconveyed nordelver and AU RORA i notabona fde pur erf val as, i ed; s i chas or ue; 33. 34.
AURORA i a i i rwhih padbu Te ( 0. f avaua eas e; s n nsde c i t n $1 00) or l bl s t

AU RORA atached t isCom pl ntasan Exhi t i Cas NO .09- t ot ai bi, n e CA
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
LEHM AN BROTHERS HOLD I GS I C,di t n s over,consi sai Pr i s yN N d he et gn d om s or
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NO TE wih al rght tte and i er tt et LEHM A N BROTHERS HOLD I GS I t 1 i , il nt es her o N NC;
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A si sgnorr as i e- sgned Pl ntf sM orgage and NOTE diecty t AURORA , ai if t r l o
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A U RO R A ' f i ed evi S abr cat dence,nam el a col abl A ss gnm entf om y or e i r
LEH M A N BR O THER S BA N K FSB s how i A U R OR A as O w ner ofPl ntf saleged ng ai if l
debti alo i conflctw ih averfed publcl r ded docum enttted S RU ST s s n i t ii i y ecor il T
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.
AURORA i t Servi ,Thid- y- ebtcolect oft saleged debt s he cer r part D - l or hi l ;
s iExhi tG 'her o atached and i por ed her n by r er ee t bi ' et t ncor at ei ef ence.
LEHM AN BROTHERS BANK FSB,t c l t banknz LEHM AN BROTHERS he hid o pt
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
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f oundaton. i
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GRANTOR - GRANTEE of i alpublc r d f fci i ecor ound i Pal Beach n m
op Fo
39.
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AURORA ,ata1 tmesr evanther n i a s i ar ofbanknz Ii el ei s ubsdi y pt
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35.
LEHM AN BROTHERS H OLDI NGS l endors s d Pr isor NC ed ai om s y-
t saleged debti quesi aferar hi l n ton, t eques t do so i wrtng,frs s r to n ii i t uch eques i ts
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.
AURORA flng an Acton agai tPl ntf comesi o Cour wih ii i ns ai if nt t t
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.
Vi aton oft FDCPA by AURORA contnuousy har i Pl ntf wih ol i he i l assng ai if t
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.
i her n bei aleged,f pr di unverfed i ormaton t t r s ei ng l or ovi ng ii nf i o he eportng agenci , i es
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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 ,
KORMAN vAURORA e l ta.

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sai debt and ass d ; uch,
Vi ai ofFAI CREDI REPORTI ACT (E olton R T NG E FCRA')byAURORA '
op Fo
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Vi aton ofTel ol i ephoneCons erPr ecton Actcontnui y har i um ot i i ngl assng
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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.
Vi aton oft FAI DEBT COLLECTION PRACTI ol i he R CES ACT,
47.
Def endantDAVI JAW S STERN Esquie,KAROL S PI D r ERCE Esquie, r
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.
Es r know ,or s quies houl know an aver entbef e t be r at t d m or he nch el ed o
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.
C EO T0 M W l D ofA U R O RA r pons t s d com m uni i a e a1 N es es o ai catons r 1
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.
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a e i pa tispaent( tt ttme)LEHM AN BROTHERS BANK FSB r c v gr ed,n r,t r a ha i e eied

t equiy i Pl ntf spr he t n ai if opery f f ee; t or r
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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.
ChifExe i Ofi r( e cutve fce t CEO' ofDefnda AURORA,o a sgne ' ) e nt r si e
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46.
r uli i dam agi Pl ntf s cr tr i es tng n ng ai if edi atng.
BROTHERS BAN K FSB r ved Pl ntf s *..M orgageN OTE wihouti ecei ai if *. t t nvestng or i
rs ng one c nt ot rt t nor and cuso y ov r he e pe e o iki - e , he han he mal tmar e - ad x ns s f

adm i sr nitadon--' -'
53.
Def endantLEHM A N BROTHERS BAN K FSB neverl Pl ntf a ent ai if ny
o *, t s4oney- f Exchange E1 or any of isow n m oney, not ng ofs t hi ubs ance;s ee
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
byr e e e, e tfe co i ha s eas t r di Ri rDecson ( 968)' efr nc c riid py n nd, e lo he c e t ve ii 1 ' ;

54. LEHM AN BROTHERS BANK FSB ext ended t Pl ntf alne ofCr t o ai if i edi,
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,
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57.
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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.
Pr ent t Pl ntf ,dur ng Cl i a TR U TH - N es ed o ai i f i os ng, I LEN D I G N
clo
cr ed f om t val pl eat r he ue aced on t NO TE t he ender asan exc ed, hangeofval or ue
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52.
Chi Fi ef nanci Ofi ofAUROR A agr wih Pl ntf,LEHM AN al fcer eed t ai if
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 ,
asabalnci of s underGAAP; a ng f et 59.
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.
1 2( , s c ran f t c i rto ( 0 9) a um e ti or he onsde ain NOTE)r c ve howe rt si done e ei d, ve hi s

wihoutPl ntf ' aut i i orknowl t ai ifs horzaton edge att tm e;wher by, hat i e
60.
S ' d btwasdi schar fom t M oney- ged r he of AccountC1cr ed by * eat eler s e l
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.
maybetanse r d', t si c r r t wha t Pli ifwa la d t beive; r f r e 'but hi s onta y o t he antf s e de o le
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i entonaly wih- d f Pl ntf ' nt i l t hel rom ai if ,
Pl ntf concedesi i wrten and f ai if t s it ound i t cl ng docum ent ' O TE n he osi s, N
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
LEHM AN BROTHERS BANK FSB m ade aGener alDeposi E1oj t*
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Tr N k/ *. n ai irs or ai if ansacton- ccountC ,a/ a D epos tA ccount:1 i Pl ntf nam ef Pl ntf s i A i-
58
LEH M AN BROTHERS BAN K FSB deposied Pl ntf sN OTE i o a t ai if nt
A SSO CI TES LA N D TI A TLE l C di notpr N d esentPl ntf w ih a r ptf s d ai if t ecei or ai
Pr i s y- o rY ,asr r upon acceptng a G eneralD epos tunderFi om s or N l equi ed i i nanci al
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.
Vi a i ofTil 1 U. C.1 3 ( ( ) o 1 U. C.1 3 ( ( ast olton te 2 S. 81 L)1 , r 2 S. 81 L)3) he
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.
FASB 95 (r di t ta a i lac ount,11 ( c ountng f c ri ofl nt c e t o r ns ctona c ) 5 a c i or onve son oa o
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
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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
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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
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Se vcng ofFi nca As esa Extnguihme sofLibiiis,doese de et r ii na il s t nd i s nt a lte ) vi nc he
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s c iy) 1 ( rvai sonhedgeac ount) 1 ( o i f Tr nse sa e urt , 33 de i tve c s , 40 Acc untng or a f r nd
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64.
Pos- osi Def tcl ng endantLEHM AN BROTHERS BANK FSB or
CO R PO RA TI hat ON ched a pr ediat s em t ed chem e t use Pl ntf sPr i or N o r o ai if om ss y- fE,
unde 1 U. C.1 3( ( ) s mea mone i t t tmone wih at r pa t r 2 S. 81 L) 1 , a s y,nvesed ha y t hid ry

I nves m ent com pany,f a qui pr i; t or ck oft
69.
Pl ntf appar l changed t econom i s t ai if enty he c ubs ance of t t ans i f om he r acton r
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 .
ContactE1 as an undi cl r *, s osed l t undert TRU ST A GREEM ENT ,by nvesor he
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 -
20124) 3- 0 8- 02( ,a jj 1 9) ( ) ( 2)B) ( ,( ;t r afe , ( , 1 4, 1 9) nd 9- 02( , 11 , 1 ( , 49) 64) he e tr
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now t s ce ofm oney com es f om t i t ' he our r he nves or ,
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M oneii Pl ntf sNOTE (>c t t or ro . wihoutr c s ' tzng ai if f y o he de s . t e our eb )
Securtzi Pl ntf sN O TE has a si iar ef ectasm onetzaton,onl ii ng ai if m l f i i y
op Fo
Pl ntf t ai if oday under t sandswhy ar ptf t Pr i or No r w as ecei or he om ss y- fE
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70.
Pl ntf com es t di cover,Pl ntf w as s eer i o an I ai if o s ai if t ed nt nves m ent t -
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BROTHERS HOLDI 1 j ne wih STRUCTURED ASSET SECURI ES NGS NC oi d t TI
68.
Defnda LEIV AN BROTHERS BANK FSB j ne wih LEHM AN e nt I oi d t
i or ed Pl ntf sPr i or N o ' w ast be s ii nf m ai if om ss p rE o ecur tzed;as s uch, 75.
Pli ifj e r ou ntunde U. C.j3- a ma sCli u r antf e ks ec pme r C. 305 nd ke am nde
U. C.j 3- 06 orj 1 6 ; a e C. 3 9- 02( 4) bec us ,

76.
A U R O RA hasaleged i t poss s on ofPl ntf sN o r M or gage, l t ook es i ai if fE- t
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.
A URORA pl eadswih t Cour t have t Nor M ort t hat to he fEgage
r t i hed,how everA UR O RA i nott Realpart i l er teiher f t m or ees abls s he - y-n- nt es t ; urher e,
j3- a s h Cl m i be ng ma f rt NOTE a Cl i i ma a i tt c h 306, s uc ai s i de o he nd a m s de ga ns he as
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
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601,9 1 j 40 a 8- 05, 9- 4) nd,
pr oceeds f om Tnl t cer ii es/Secur tes/B O N D S cr ed f om r s - tfcat ii eat r
op Fo
79.
pr e dsf oc e ound o t la lt sdeof( nde ' ldge )LEHM AN n he ibiiy i Le rs e r
re
pr oceeds;i udi butnotlm ied t ncl ng i t o,
clo
78.
fE Pl ntf hol a Pos or l er t!1i sai Pr i s p N o r ,U .C . . ai if ds sess p nt es * n d om s or C
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74.
Pl ntf as M ort ai if gagoratal tm e r evanther n neiher knew nor w as 1 i el ei t
Hundr d- ry, 1 ( 11 76) t ber mm e t t Gr n o ,heuli t e Thit 76/ 00 $8 ,30. ,o e d o he a t r t tmae

Benet ir ort t Hei oft Esat as, k a y, o he r he t e;
82.
t money m ade fom t expl t i and abuseofPl ntf sm oney, he r he oiaton ai if
bel ongst Pl ntf o ai if.
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;
doi busi ng nessi t St e ofFl i valdat s d debtupon wrten r n he at orda i e ai it eques ,r us t t ef ed o

do s by non- es o r pons e;
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
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te elphonecal ma beaci i good f ih, tc za (i e t know'lofalt tue ls y tng n at no ogni nt t d o ne ' l he r
f c s( ya es/la ltes ,si pa t t com l pa tofAURORA' busnes pln. a t pa bl ibiii ) i n r, he pt r S i s a
KORMAN vAURORA e a . fl
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85.
LEHM AN BROTHERS BANK FSB separ i t Payabl f om t atng he es r he
op Fo
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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
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81.
al t r ntpaym ent colect by AURORA ,Ei yl he e s l ed ght oneThousandone-
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.
Of- ancefBal sheetEnti ar t be r t t t Feder Res ve Boar - res e o epored o he al er d,
(t ' unde 1 U. C. a 3 a < FRB' ) r 2 S. 248 nd 47; nd,

88.
bal ance- heeti i i as FR 2046 car i an O f i of M anagem entand s dentfed r es fce
Budge numbe 71 0289, ki i s j ctt dicos eunde t prvac a ;s e t r 00ma ng t ub e o s l ur r he i y ct e

Til 5 U SC 552 etseq. and doesdicl e Pl ntf stue outt ndi bal te , s os ai if r s a ng ance,whi i ch s
89.
LEH M A N BR O TH ER S B A N K FSB ' depostofPl ntf s Pr i or S i ai i f om ss p
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
I r c ni d a atu s e,Ac or a Saif c i ( C. j 311 , NC, e og ze s r e al c d nd tsa ton U. C. 3- ) howe r ve

t ans i i execut w ihoutany evi r acton s ed t dence ofa r dabl as gnm entf t ecor e si or he
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l ongera Realpart i l er t as,i par , - y-n- nt es ; n t
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Pl ntf sPr i or No' i alabiiy ofLEHM AN BROTHERS ai if' om ss y- rE s i lt
Ve iid a s i ee de e( rfe dmisbl vi nc TRUST AGREEM ENT fld wih t ie t he

91.
SECURI ES Ar EXCHANGE COM M I ON)fndsLEHM AN BROTHERS TI SSI i
HOLDI G I N NC,asHol a O wnerofPl ntf sN OTE di pr al i,asa t sal der nd ai if d es e t rue e,

Accor and Sats acton,t ea eri contact l oblgat t s overal isrght tte d if i her ft s r ualy i ed o et l t i , il and i er tofs d Pr i or No' t STRUCTU RED A SSET SECU RI ES nt es ai om ss p rE o TI
CORPORATI ( evi nc ofConsg ntnorDelve y ;a ON no de e imne i r ) nd,

92.
STRUCTURED ASSET SECURI ES CORPORATI of s isr at TI ON f et t el ed
doubl e r bo e ngbaa esfom t c i ai i r c ve ifr f e-nty- okke pi lnc r he onsderton t e ei d,n a, or

tansf r ening Pl ntf ' NOTE t t Tnzt i t tf LEHM AN XS TRUST ai ifs o he see, n rus or
M ORTGAGE PASSTHROUGH CERTI CATES,SERI 2006- r FI ES 11, ecogni d asa ze
tues l ( c d a Saif ci , d do s i Fo m,howe rwihouta e de eof l ae, Ac or nd tsa ton) di on r ve t ny vi nc

Consgnm entorDelver i i y; LEHM AN XS TRU ST M ORTGAGE PASSTHROU GH CERTI CATES, H 93. SERI 2006-11,pur uantt t TRU ST A GREEI ENT,i t t Hol a O wner ES s o he M s he rue der nd ofPl ntf sdebt prort ishypot ton ofsam e;f t mor ai if , i ot heca i urher e,
t r i no evi he e s dence t s o how LEHM AN BROTI ERS BAN K FSB i a I s
and,
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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,
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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
t e i no evi her s dence t s o how LEHM AN BROTHERS HOLDI G l i a N nc s
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t e i no evi her s dence t s o how STRUCTURED ASSET SECURI ES TI
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desr t Secur l er t r toys he ed-nt es , enderng t M orgage anuliy. i he t lt 105.
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AURORA LOAN SERV I CES LLC ;
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oans t ough hr s cesprm e and s ervi i ubprme r i i m orgage l i esdental t whol al and cores es e r pondentchannel The com pany alo buys s. s mort gagesorgi t by ot m orgagebanker banks and cr t i naed her t s, , edi uni ons.AURORA LOAN SERVI CES,LLC wasf m ery known as or l A ur a Loan Servi ,l The com pany w as f or ces nc. ounded i 1997, n hea dquarer 10350 Par M eadowsDrve,i Litet Col do t ed k i n tl on, ora 80124.AURORA LOAN SERVI CES,LLC oper ed asa s di at ubsi ary ofLEHM AN BROTHERS BANK ,FSB. Phone:7209453000 - 877- 8695 300-
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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
LEHM AN BROTHERS BANK, FSB,( oncure wih t Fim LEHM AN c r nt t he r
Code,on Sept ember15t 2008. h
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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
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1 40.
FSB ; LEH M AN BROTH ERS BAN K,
LEHM AN BROTHERS BANK, FSB ( fnda li a equa housng Dee nt s n l i
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
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143.
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LEHM AN BROTHERS BANCORP I NC;
Thefr ' wordwi headquarer wer i N ew Yor Ciy, im s l de t s en k t
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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 .
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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,
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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-
De e nt M ERSCORP l (C ERSCORF' ope ae a anee r cl nr gityf f nda , nc. C M ) r ts s lctoni oa e sr or

t m orgage f nance i he t i ndusty i t U nied St es.The com pany elm i es t need t r n he t at i nat he o pr e and r d as gnm ent w hen t adi r dentaland com m er alm ort epar ecor si s r ng esi i ci gage l oans.
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
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X RSCORP;
Fr au d. co
( t /www. b. c htp:/ nys us oulsgov) Empha i i orgi l . .e ss n i na)
M ai C ase D ocketca be access t ough t w ebs t m ai ai n n ed hr he ie nt ned by t U nied St esBanknl cy Cour he t at pt t
a wholyl owned s di y ofDef ubsi ar enda X RSCOU ;lke M ERSCORP.( ERSO i a nt i M s

D el ar cor aton and s es an addr s w ih M ER SC O RP at1818 Li ar St eet aw e por i har es t br y r ,
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
negotat m any tm esovert lf oft l , M ER S* r ai M ort i ed i he ie he oan gageeofr d ecor em ns
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.
l M ERS* own wor s;.M ERS@ wt cr ed t avoi t cost n d ' u eat o d he
a del sc e byas i nt o nd ay aus d sgnme s fmorgage andde dso t s e f
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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
smiart t tanfe o t k .'( 999) Lmphasst #1 i l o he r s r fsoc s ' 1 e i7 #le
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Def da M orgageEl r cRegitaton Sysem ,l ,d/ a M ERSO, i en nt t ectoni sr i t nc. b/ s
M ORTGAGE ELECTRONI REGI C STRATI SYSTEM S l (t RS*' ON NC t < ' )
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
Banknl cy pr ecton.LEHM AN BROTHERS HOLD I GS I Sass s ii i pt ot i N NC' et ecultzaton

uni i St ct ed A s etSecurtesCop .whi fl f bankm pt s ng t wi t s m ur s ii , ch ied or cy, eeki o nd down wih ispar company.Thecas i STRU CTURED ASSET SECURI ES t t ent es TI
CORP.09- 05 U. Ba pty Cour,Sout m Ditito Ne Yo k ( a ta . , 1 58, S. nknz c t he src f w r M nhatn)

Lehm an' cas i l r LEH M A N BR O TH ERS H O LD I G S I C . 08s esn e N N , 13555,U . S.
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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
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prnci pl ofbusi i pal ace nessat399 Par Avenue,N ew Yor New Yor 10022.Cii oup i k k, k, tgr s
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STRUCTURED ASSET SECURI ES CORPORA TI ; TI ON
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
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BANK OF AX RI CORPORATI (t A') CA ON, Bof ';
D ef endantBof i Success i l er tt Cot tyw i Fi A s or n nt es o m r de nanci Cor aton and al por i
Succes ori l er tt LASALLE BAN K NATI s n nt es o ONAL ASSOCI ON .Bof a ATI A

D el ar C op ora i t m ai ai ispr nci pl ofbusi s atB ank ofA m er ca aw e ton hat nt ns t i pal ace nes i
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.
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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
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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
diect s.Phonenum ber703- 2000. r or 903153.
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
Def enda GM ACnt RFC a/ a ResdentalCa t LLC a/ a Res k/ i i pial k/ cap d/ a GM A C b/
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
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isprnci pl ofbusnes headquarer 2700 Sander Road,Pr pectHei sllnoi t i pal ace i s t ed s os ght li s
600702799.HSBC i aprnci s ehol ofM ERS@ . s i pal har der
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
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J ORGAN CHASE & CO ; PM
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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
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W ELLS FARGO BAN K,N . . A ;
Def enda W elsFar Bank,N . .i a s i ar ofDef nt l go A s ubsdi y endantW elsFar & l go
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.
AA RI CAN LAND TI TLE A SSOCI ON ; ATI
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
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W ELLS FARGO & COW ANY ;
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
M ari a St Luc ecounteswih t hi tl tn nd . i i t he ghes evelofpr essonals snce 2004 a of i im i nd
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
J tr Fl i 33477, nd phonen upie , orda a umbe ( )625r 561 9007.
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STEW ART TI TLE GUARANTY CO;
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i ur ns ance and r at s vi t t r es a e and m orgage i el ed er ces o he eal t t t ndusr es.Tl ti uoughoutis t
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
de t e t a pr mi t r e ve r tosofa1maorttei ur r . t fna a bt o quiy nd e ums o es r s ai 1 j il ns e s Is i ncil

sr h pr dest confdence i iscusom er St tengt ovi he i n t t s. ewar Til Guar y Co i a prnci t te ant s i pal s r derofM ERS@ . ha ehol
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ASSOCI ATES LAND TI TLE l nc
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
expand hom eowner hi and ext acces t af or bl housng t al Am ercans.M BA s p end s o f da e i o 1 i
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
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FI RST AW RI CAN TI TLE I NSURANCE CORPORATI ; D ef ON endant
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M ORTGAGE BAN KERS ASSOCI ON ; ATI
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
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cons r i l t ucton oans,m ort gage r i nci and equiy lnes ofcr t efna ng, t i edi . Thecompany alo pr desl ser ci Founded i 1981,M enil s ovi oan vi ng. n l Lynch Hom eLoanss vesprm arl wealhy cusomerst oughout er i iy t t hr t US,Puero Ri and t US Vigi l l he t co, he r n sands.Donei by t gl n he obal credi cr si ,di ectpar M enil Lynch w ast n overby B a of t is r ent l ake nk
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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
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164.
PM IM ORTGAGE I SURANCE CO; N
D ef endantU . BANCORP,aspar t U . BANK s S. ent o S. uccess i i er tt LA SALLE or n nt es o
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
LEHM A N X S TRUST M ORTGA GE PASSTHROUGH CERTI CATES, FI
SER I 2006-11 w as notl l cr ed under any s at s at e orcode,orof t ES egaly eat t e t ut he
UN I TED STA TES.The Trus ee i actng i t capaciy as Tr t i t us f t t s i n he t us ee, n r t or he
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
U . BANCORP,U . BANCORP CENTER,800 Ni l M al,M im ea i S. S. colet l l pols M i ot 55402. nnes a
167.
THEOD ORE SCH ULTZ;
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-
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per son,ast t i defned. hat erm s i
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166.
U . BANCORP par ntt U . BANK s S. e o S. ucces orTRU STEE; s
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 ;
D ef endantLAURA M CCANN,Afi ,and Vi Pr i fant ce esdentDef tRes uton of aul ol i
AURORA LOAN SERVI CES LLC,1 0350 Par M eadowsDrve,Litet Col ado k i tl on or
1 70.
CYNTHI W ALLACE a/ aCI A k/ NDY W ALLA CE;
Def endantCY NTHI W ALLACE a/ aCI DY W ALLACE,Af i ,and t A k/ N fant he

occupantoft Of i tted,Def tRes uton. 1 he fce il aul ol i 0350 Par M eadowsD rve,Litet k i tl on Col ado 80124,Phone:720- 3000. or 945-
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KORMAN vAURORA e al / .
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80124,Phone:720- 3000. 945-
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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.
DAVI JAM ES STERN.Es r BAR /Bond Number911054; D quie,
D A V I JA M E S STER N ,Es ,atal tm esr evanther n i em pl D q1i el ei s oyed by t LA W he
OFFI CES OF DAVI J.STERN P. . 900 Sout Pi l l Road Suie 400, D A , h ne sand t
Plntto Fl i 33324a ain orda 3920, PhoneNumbe ( 233- 000; r 954) 8
173.
K AROL S.PI ERCE,Esquie,Bar ond Num ber70279) r c
PlnttonFl i 3332 3920, a ai orda 4PhoneNumbe ( 233r 954) 8000;
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
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Roa Suie400, a a i Flrda33324d t Plntton o i 3920, Phone# ( 4)233- 000; 95 8
KORM AN v AIRORA e al J t .
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174.
CASSANDRA RACI RI NE- GAUD ,Es r Bar ond Number450065; quie, &
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LAW OFFI CES OF DAVI J.STERN P. .900 Sout Pi l l Road Suie 400, D A, h ne sand t
re
Def endantK AROL S.PI ERCE,Esq. atal tm esr evanther n i em pl , 1i el ei s oyed by t he
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171.
LAW OFFI CES OF DAVI J.STERN P. . D A;
D ef endantM I STY ALLEN BARNES,Es ,ata1 tm esr evanther n i empl q. 1i el ei s oyed by
t LAW OFFI he CES OF DAVI J.STERN P. .900 Sout Pi l l Road Suie 400, D A, h ne sand t
Plntton Flrda33324a ai oi 3920, PhoneNumbe ( 4)233- 000; r 95 8
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
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175.
MI STY ALLEN BARNES,Esquie,BAW BOND Number31001; r
177.
Forpup os oft sacton, M ER S* s a1 alo r ert M ERSCORP and each e hi i h 1 s ef o
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
< RS* i notapr s oductofany l ,s a t oror nance f aw t m e di ound i t s n hi
179.
M ERs* i an entr y fctonalconsm ct i pied,desi s iel i i t , ns r gned,i em ent or mpl ed,
empl oyed by DEFENDAN T etal ;

180. 181. 182. 183.
M ER s* w asfis i por ed i D el ar i 1993,agai i 1 r t ncor at n aw e n n n 998;
r evant 1595 Sprng HilRoad,Suie 31 V i el , i l t 0, enna,Vigi a 22182) r ni

184.
M ERS* oper esaprvat natonalel r c r sr t ttacksbenefci at i e i ectoni egity ha r i al
i t e i er t orr ght n hos nt es s i s;
185.
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t cha ngest t s ausofr i i M orgageo he t t esdental t Loanson t M ERS* sysem ; he
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i er tand s vi ng rght as oci ed wih r i i M orgagent es er ci i s s at t esdental t Loansa any changes nd
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M ER s* and M ERSCO RP' prnci pl ofbus ness i atal tm es S i pal ace i s, 1i
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
M ER s* i a w holy ow ned s di y ofM ER SCO RP,l s l ubsi ar nc;
clo
M ERs* i i porat wihi t st e ofD el s ncor ed t n he at awar e;
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IV. M ERSO I A STRA W M AN S
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.
< R S* i Le s nder sN om i appoi ed by Pl ntf t acti a ver lm ied ' nee nt ai i f o n y i t
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
i er toft Lenderorl t ,Success and A s i nt es he nvesor or sgnee t eof,butnotf is f her or t el;

l9l. 192.
193.
No contover y exit bet r s ss ween M ERS* agai tPl ntf i r er ns ai if n ef encet t o he
M orgage i quesi t n ton; 194.
Contover y doesexitbet & je j l r s s ween t sPl ntf agai tM ERS(,tj wjojy hi ai if ns
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
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m annerasa condui t f lt e Fr t o aciiat aud;
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M ERs* i nota nam ed pa y t Pl ntf sPr i sor N ot s rt o ai if' om s y- e;
re
M ER S* hasno benet i i er ti Pl ntf sM or gage; k al nt es n ai if t
clo
190.
M ERs* hol l ttet t M orgage,asNom i f t benefci ds egal il o he t nee or he i al
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186
Pl ntf asBonoweruniat aly a nt M ERS* on s i M orgage as ai if t l er l ppoi ed ad ,
196. 1 97.
s; notal A s i l s gneesar M ER S* M em ber and, e

y' ..
es entalpublc lnd r dsi now becom i Prvat contar t t bes s i i a ecor s ng i e, r y o he t
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.
M ERs* M em ber ar encouraged nott r d each ass gnm entor s e o ecor i
negotaton ofbenefci i er tont t Publc r d,er a e fnanci l r ar ii i al nt es o he i ecor go r i aly ew ded
by avoi ng paym entoft ass at Count r di f di he oci ed y ecor ng ees;

199. M ER SO cl m s t one oft advant ai hat he ages ofis paper ess s t s i t t l ys em s hat
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.
Lender' pri iy i esabls by publc notce,r di Pl ntf s s ort s t ihed i i ecor ng ai if
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
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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 ,
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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
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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
delver am ongstM ERS M em ber i y s;
clo
i ng o d ai t i m orgage lens becom e i m obii by M ER S* contnui t hol s d M or gage len, t i m lzed
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t R ealpar y- n- nt es i as he - t i l er t s; ,
195.
< RS* M ember appeart be em pl ng t M ERSO s t t hi who s o oyi he ysem o de
205. 206. 207.
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
M ERs* by i sow n adm i i doesnots or genui docum ent orcopi t ss on t e ne s es
t eofneiherPl ntf s N O TE norM orgage; her t ai i f t 208.
M ER s* can notbe m orgagee becaus i has no enf cea e r ghti t t et or bl i n he
debtoblgaton securng t M orgage;and, i i i he t

209.
M ERs*wilnots f ra ij y s dPli iff i t ma pa nt on l ufe n n ur houl antf al o ke yme s
210.
M ER s* i N om i a/ a staw m an, nota t M orgagee,buti actng f s nee k/ r rue t s i or
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
beneftofLEHM A N BROTHERS BAN K FSB; i
212.
213.
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val i hundr of bilons' ued n eds- - li ,
KORMAN vAURORA e a. /l
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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
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s ome new m eani Pl ntf i unawar of;becaus ng ai if s e e,
204.
M ERs* i nottul M orgageet l st l defnii ofM orgagee has s r y t m es he egal i ton t
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.
M ERs* i a sta a s Landm ar Natonalgank v.Kvsq 216 s r wm n; ee k i l r,
P. 1 ( e eCour ofKans ,2009) 3d 58 Supr m t as .

21 6.
21 7.
M ERs* i e s ntal as l, tre ofisCr t t )orM e r ; s s e ily helale go t eaors mbe s
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.
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Assgnor/Assgneetans i t t pl on t Prvat s t ofM ERSO;i, i i r acton hat ook ace he i e ysem f

225. Succes ori a M em ber and i , s s ; f
Page 53 o 205 f
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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
M ERS* s t alegedl tackst negota i ofbenet i i er tand t ysem l y r he iton k al nt es o
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M ERSCORP wholy ownsa di at polcy t and ofM ERSO; l nd ct es i o,
re
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M ERSO doesnothave any em pl oyees oris s caled em pl , t o l oyees ar eiher e t
Fr au d. co
21 4.
M ER s*bas on isdi nutve si and meageras bas i gr l ed t mi i ze set e s ossy
Pl ntf s Pr i or N o r each s ai if om ss p fE, uccess M em beri encour or s aged t do s o o; 228.
M ER S* s t doesnotdi pl t t e i iy ofeach H ol -n- ueys em s ay he nl dentt der i D
Cours of Pl ntf s N O TE;becaus e ai i f e,

229.
N On- ER S* M em ber as Succes or i l er tcan notup- e t cur ent M s -n- nt es dat he r
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.
i t eventSucces or i l er ti aM ERS* M em berand doesup- t n he s -n-nt es s da e
opens t doort D oubl D i ng. he o e- ppi
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 . . ,
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F. 471,478 ( Ci 2001) 3d 3d r. .
54 of 99
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231.
Two orm or afii ed busness , lke M ERS* a d = RSCORP e flat i es i n
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
tte and i er tset il nt es overand delver t A ss gnee; i ed o i
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227.
i r arcour e ofbusnessM ERS* doesnotr d each negotaton of n egul s i ecor ii
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
Com pl nta i por e s e her as i aleged anew . ai nd ncor at am e f l
233.
Thi i a ci lacton f i erala,A U R O RA flng a s s s vi i or, nt i ii ham A ct on agai t i ns
Pl ntf i Cas N um ber 50 2009 CA 017057 X X X X M B D i s on A W ,I Tl ai if n e vi i N lE
CI RCUI COU RT OF THE FI T FTEENTH JUDI AL CI CI RCUI I AND FOR PALM T, N

BEA C H C O U N TY ,FLO R I A ,com i i o Cour w ih U ncl l ands,supra; D ng nt t t ean- l
234.
D ef endantA U RO R A com es i o Cour w ih w hati cl m s i a copy of nt t t t ai s
235.
Pl ntf s sgnam r i notf ai if i es ound on AURORA ' copy oft aleged copy S he l
ofPl ntf sNOTE i q si ( ai if n ue ton AURORA' Exhi t; S bi)
236.
NOTE i a he i,U. C.j3- 08. s ut ntc C. 3
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237.
I rnsc Fr ud'as nti i a , ,

KORM AN vAURORA e a . /l Page 55 of205
55 of 99
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Pl ntf deni t si ai if es he gnam r f e ound on A UR O RA ' copy oft aleged S he l
Pos i evi ai ofTil 1 28U. C. 57 e s q. at m ai l sbl olton te 1, S. j1 t e ; le tvey
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Pl ntf sPr m is pNo-E,whih i aFor r U. C.j3- ,a , ai if o sor f c s ge y, C. 302. s
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V. NA TURE O F A CTI N O
i or ng t Cour M ERS* etal verfed an Assgnm entofPl ntf ' pr nf mi he t ii i ai if s opert y

.
cont por em aneousy w ih a B anknp t pr l t cy oceedi di do s t i al o, ng, d o w ce; s
239.
Pl ntf com pl nsM ERS* etal,col a y as i t ai if ai . or bl sgned aM orgage M ERSO
hasno l ,orequiabl i er ti di do s t ce' egal t e nt es n, d o wi ,
240.
pl ntf com pl ns M ER SO etz! col a y as gned Pl ntf sN O TE i ai if ai 7., or bl si ai if n
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.
AURORA wihoutt l t he egalcapaciy t do s a entPowerofAtom ey orsi iar t o o, bs - - t m l

aut i i f om G r or t Lender is s hor zaton r ant , o , t uccess ,or ass gnee t or i hereof,t M ER S . o
243.
Un us Enrc nt whe e AURORA asaThid- ry- btcole t , j t ihme , r by r pa t De - lcor
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
Tho a oneus nd- Hundr d- hit 76/ 00 ( 1 76) e r ry, 1 $81,30. ; r
56 of 99
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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
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242.
Pl ntf com pl nsM ERS* etal s i gl assgned Powerof Atom ey t ai if ai - - t o eem n y i

.
clo
pr udeM ERS* fom tans eri aBenefci -nt es ; ecl r ' r f rng i all er t
Page56 of205
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238.
M ERSO bywa ofisal dCe tf ng Ofie s( Ato ne )i y t lege riyi fc r non- t r ys s
dic r d) pl lwf i e e tt r on,i vi c td;howe r s ove e , us a ul ntr s he e f ndiae ve ,
l aDebt sRI acton agai tiscr t alegi t t n or' CO i ns t edior, l ng hat he
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.
A U RO R A w as r es ed by a l Fim i each oft her n above epr ent aw r n he ei
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
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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; ,
57 of 99
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A tom ey ofr d knew ,ors t ecor houl have know n by cr i t Li Pendens d eatng he s
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301.
s econd col abl assgnm entexecut by THEOD ORE SCHULTZ,June 8+ or e i ed
( 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
BANK FSB ,isSucces or a Assgns,gaveisaddr ass on oneoft t s s nd i t ess een he

as i ent as:3300 S. .34TH A V EN UE,SU I 101,O CA LA ,FL 34474.' s gnm s $ W TE ' 303.
NeiherM ERS* norLEHM AN BROTHERS BANK FSB everr ded at t esi
3300 S. .34t AVEN UE,SUI 101,OCALA,FL 34474,a any tme r eva t t s W h TE t i el nt o hi

acton'how ever, i ,
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68 of 99
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302.
A s i , M ER S* l ,actng asNomi f LEHM AN BROTHERS sgnor nc i nee or
re
SER V I ES,P. .Box 1706,Scots uf ,N E 69363-1 C O t bl f 706)
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
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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.
ELECTRONI D ATA SYSTEM S CORPORATI i l ed at3300 C ON s ocat
S. . h AVENUE, TE 1 OCALA , 3 W 34t SUI 01, FL 4474, ta1tmesr e ntt t s a li el va o hi
acton. i
Pl ntf i r pons t s d col abl ai if, n es e o ai or e
assgnment tmel fl M OTI i , i y ied ON
305.
28t 2010,i part isue ofSt ng h n ,s andi
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.
ove tn ( 0)mo hsha pa s d snceM a 28h 201 wih no a tviyon re 1 nt ve se i y t 0 t ci t
fl 1e
M ar 29t Notce ofFaiur t Pr ch h i l e o osecut hasbeen fl by Pl ntf under e ied ai if
clo
307. s at s at e,i t cas t atvel t e t ut n hat e;alem i y,
308.
Cas N umber09- 017057 wiluli at y be e CAl tm el
execut a r ded ed nd ecor bot col a e assgnment et h or bl i ss overt AURORA i o s

309.
Postcomme me , no tki nce nt ( t a ng
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
pr e ton unde Til 11, pt mbe 1 h 20 a ot c i r te Se e r 5t 08; nd,
69 of 99
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St ndi On t dat ofcom m encement, ne qua non a ng he e si
i o consder ton t ac LEHM AN BROTH ERS nt i ai hef t
Page69 of205
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off ecl ur wher or os e; eby,
Fr au d. co
Dim i s f Lack- s s ed or of
312.
Law O f i ofD A V I J.STER N P. . i f f ces D A , s ound i Pas Count Fl i n co y orda
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.
D avi Jam es St n Esquie,Publc R epr m and 25t O ct d er r i i h ober 2002,by
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.
Par i ar bound by t f m aladm i i oft rA tom ey i a A cton. tes e he or ss ons hei t n n i
Ce tfcae hedby a t ought De io yTrltCompa (d rii ts l nd hr he postr ts ny < DTC' i 'n )

consi ra i f STRU CTURED A SSET SECURI ES CORPORATI t ns eri de ton or TI ON ra f rng
of a1 isr ghttte and i er ti Pl ntf sW etM orgage1t i il nt es n ai if - t Loan E1and ot pr * her oper y t cons iutng t Tr tFund,s overt LEH M AN X S TRU ST M O R TG A G E PA SStt i he us et o
THROUGH CERTI CATES,SERI 20 11 ifr Se 1 CFR j230.91 FI ES 06- ,n a; e 7 1 .
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
70 of 99
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D TC act lke a cl i si earnghous t s te t ades i cop or e and m uni pal e o etl r n at ci
op Fo
2006 STRUCTURED ASSET SECURI ES CORPORA TI di acquie Book- ry TI ON d r Ent
re
31 5.
Pur ua t t TR U ST A G REEM EN T on t C l i D at ofJul 31S s nt o he he os ng- e y t
clo
how ever ,
Page70 of205
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Fr au d. co
cr m i i tgaton by Fl i s A tom ey G ener ' i nal nves i i or da' t al ,
311.
Atom ey ofr d i t Law Ofi ofDAVI J.STERN P. . i under t ecor s he fces D A ,s
31 7.
DEPOSI TORY TRUST & CLEARI CORPORATI (< NG ON C DTCC' was ' )
esabls i 1999 asahol ng company t combi t DTC ,NatonalSecurtes t ihed n di o ne he i ii
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.
DTCC al o pr descentalcusody ofs ii s ovi r t ecurtes;
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.
STRUCTURED ASSET SECURI ES CORPOR ATI i t TI ON s he
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.
Def endantLEHM AN BROTHERS BAN K,FSB ;

KORM AN vAURORA e c . /l Page71 of205
71 of 99
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323.
St
l t tansact Trus - ii e s es/tadeswihi t cor at nvesor r s tcertfcat al r t n he por e
Sep e r29t 2006 Pl i tf sgnsaNoTE- orga i f vorof t mbe h a n if i M t ge n a
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
t Securtesand Exchange Comm i i J y 2006; he ii sson, ul

326.
t sm at i f ofsecurtzi Pl ntf sNOTE,a ispr e wasnot hi eral act ii ng ai if nd t esal
di os t Pl ntf ,bef e,or a Cl ng'and, scl ed o ai i f or t osi , 327.
concur entw ih Pl nt f executng t W et M ort r t ai if i he gageLoan,r ght tte and i , il
i er tt sai negotat W et M ort nt es o d i ed gageLoan w as conveyed t LEH M A N o
w ih sai TR U ST A G REEC N T. t d 328.
A GR EEM EN T as a For ar cont act(1 w dr *;

329.
LEH M A N BR O THER S BA N K FSB i a N om i s nal LenderE1 i nam e * n
w eti si ur , nk gnat e'
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.
72 of 99
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onl wihoutrghttte nori er tatCl i bef et i dred on Pl ntf sonce y, t i il nt es osng, or he nk i ai if
NOTE r ds i pa t .Iunde sand t t Le rma tans rt s ea ,n r; . r t hat he nde y r fe hi
op Fo
M or gaget Loan w aspr al usi M O R TG A GE LO A N SA LE A N D A SSI N W N T es e ng G
re
LEH M AN BR O TH ER S BA N K ,FSB i nott Trues he Lender,as t W et he -
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
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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.
D ef endantLEHM AN BROTHERS BANK FSB knew f mont prort or hs i o
Pr eofPl ntf sNOTE i i conflctw ih whatPli ifwasl d t esal ai if sn i t antf ea o 332.
beleve; Pli ifwa i or d ( br r onc t de wa dic r d s i i as antf s nf me by oke ) e he bt s s ha ge ad
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.
Pl ntf hol a Poss or l er ti s d Pr i or NoTE;i appear ai if ds ess y-nt es n ai om ss p t s,
Pl ntf wasseer i o an l t entcontact wihoutPl ntf s ai if t ed nt nvesm r , t ai if

know l edge,orconsent ; Pl ntf hasdi ai if scover a cont ed nd endst be a t scl ed i t upon t o n mdi os nvesor he 335. pr al oft N OTE,whi cr ed,i par,t f es e he ch eat n t he oundaton ofan l t entcom pany; i nvesm -
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
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i t ent prs n he er ie;
73 of 99
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bye em aiy;s eHORACE vs LASALLE BANK N. ( ar h 2011 . xt lt e . A. M c )
re
336.
Pl ntf i a Thid- rt Benefci y ai if s r pa yi ar
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
t hose w ho s t us oft m oney ofot s on t pr i e ofpr is; eek he e he her he om s of t
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
i c j ton wiht TRUST AGREEM ENT, ndSERVI NG AGREEX NT,dae n on unci t he a CI td

a ofJ y 1 t2006. eSEC v. OW EY CO.328U.S. ( 46 ; s ul s Se H , 293 19 )
341.
DEFENDANT aci j ntyors ve al de s d as he whe e M ERSO tng oi l e r ly, vie c me r by
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.
TI RO U G H C ER TI C A TES; SER I 2006- # i f I H ES 11 s ounded on G r nt ' cor E1 a or s pus **
74 of 99
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Pl ntf sNOTE i r ai if s ecogni by t St eofFl i a t U . C.asa zed he at orda, nd he C.
l nvesmentcompany,LEHM AN X S TRU ST M ORTGAGE PA SSt -
op Fo
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Page 7 o 205 4 f
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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
m i ) De e ntLEHM AN BROTIERS BANK FSB orASSOCI nds, f nda I ATES LAND
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
U. v.Twe l550F. 297,299, ( S. e 2d. 300 1977) a , ;s

345. 346.
t t e nat eofatansacton dependsupon t i enton oft pari he nl ur r i he nt i he tes;

Pl ntf ,as an undi cl ai if s osed i t ,Thi d- y- enef ci y i entted t nves or r part B i ar s il o
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
artcul esChai ofTil t Pl ntf sNor M orgage; i at n- - te o ai if fE- t

349. V er f ed di cl e under s d TR U ST A G REEM EN T i cat D ef ii s osur ai ndi es endant
350.
M ORTGAGE PASSTHROUG H CERTI CATES,SERI 2006-11' Tm see,i Tnzt H ES s t n s
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f t C er ik a e- l der,pur ua t t l oft cas TRU ST A G REEM EN T ;and, or he tt t l ol s nt o he aw he e,
75 of 99
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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
and Exchange Com m i i nam el t C R U ST A G REEM EN T,'w hi cl l ss on, y he T ' ch ear y
re
clo
A ccounta k/ D em and- epos t on t Li biiy si oft Bank' /l / a D i , he a lt de he s nves or sBooks,as t '
Page 75 of205
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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.
Found Pl ntf wasseer i o an I ai if t ed nt nvesm entcont ,asan undicl ed t ract s os
colat i er ti cert n M orgagel eral nt es n ai t Backed Securtes,contoloverwhi i ii r ch s
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
SECURI ES CORPORATI ,a Del TI ON awar cor aton,asdepost e por i ior
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.
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76 of 99
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351.
I sors pur has d a1rg , il a it es t s d de , d a t nve t t) c e 1 iht tte nd ner t o ai bt hel s he
J l 1t u y S2006 i Ni t ( da prort t da uponwhihPli ifsNorE- orga s ney 90) ys i o he y c antf r M t ge

w asexecut t eaferNor M orgage i t be conveyed t s d Tr t whi i Si y ed, her t fE- t so o ai us , ch s xt
( da a trSTRUCTURED ASSET SECUM TI CORPORATI i Be fc ay 60) ys fe ES ON s ne iir

of Ni Hundr Fi need- heen- ilonM li FourHundr se y- veed- vent Fi Thous andseven-
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 -
M org - n, ndt eofot r smia l st tdq tageLoa a hos he s i lry iuae .
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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.
Sept h ai if d ut fEgage i f n avorof ember29t 2006 Pl ntf di exec e aNor M ort
LEHM AN BROTII ERS BA NK FSB,and t s overs d NoTE- orgage; hen et ai M t

354.
r ecor ,
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
d butM ERso di notacceptsai appoi m entby i s ent nordi any d d nt ndor em , d
355.
M orgagei r ded on O c ober11t 2006,i Pal Beach Count Fl i h n m y orda, t s ecor t
wher n lesPl ntf s r ei i ai i f ealpropert y;
356.
J y lt2006 ( i t t e c in oft NorE- orga a ag ee nti ul S pror o he xe uto he f M t gel n r me s
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.
M ORTGAGE LOAN SALE AND ASSI NX N T AGREEM EN T i G s
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
.
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Seni V i Pr dent or ce esi ' ,
359.
LOAN SA LE AN D A SSI GNW NT A GREEW NT;

KORMAN vAURORA e a. tl Page78 of205
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St
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AURORA i nota Si or t t swrten agr enttted M ORTGAGE s gnat y o hi it eem il
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Vll. VERIFIED DO CUM EN TED CH AIN OF TI TLE
t Securtesand ExchangeCom mi on,ates,i pe ai ng pars asf l , he ii ssi t t n rt ni t, olows'
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
AGREEM ENT,dae a ofJ y 1 2006 (hed gr me ) i td s ul , t W ee nf', s

execut by and bet een LEH M A N BRO THER S H O LD I G S ed w N
W H EREA S,LEH M A N BR O THER S BA N K ,FSB
(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
Loans'and,t herw ih t LBH Tr f r M orgage ' oget t he anser ed t
Loa ,he E a f redM o t geLoa ' : ns t Tr nse r rga ns' )

W H ER EA S,i addii t t B ank Tr f r M ort n ton o he ans er ed gage Loans,t Bank hasdiecty under it a f he r l wrten nd unded cerai tn m ort gage l oans or gi ed by A U R O RA LOA N SER V I ES i nat C LLC and ot cor es her r pondent orot w i e pur s her s chas cer ai ed t n m ort gage l oans i ii on t M or gage Loan Schedul dentf ed he t e
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atc d he eoasSc dul B (het lk Orgi t M o t ta he r t he e t t z i naed rgage Ba
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
c lci l r f re t he ena trast t orga Loa ') ole tvey e e r d o r i fe he t ge ns'; M
op Fo
Sc dul A ( ole tvel t lk Tr nser M orga he e c lci y,he t l a f red Ba t ge
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Tr f or,'and t her w ih t LB H Trans er , ans er ' oget t he f or
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A gr ent' a t her w ih t LBH Tr f A gr ent eem ,' nd oget t he ans er eem ,
Page 79 of205
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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 ')
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360.
M ORTGAGE LOAN SALE AN D A SSI GNW NT AGREEX NT fl wih ied t
a e me (het si e and As um pton Agr e e ' , gr e nt t W sgnm nt s i e m nt' )

dat asofJ y 1,2006,bet ed ul ween t Bank,asas tnor,and he si t Seler,asassenee,t Bank hasas ened aI ofisri . he l i he si l t zht tt e and i eresti and t t f egoi Bank Tr f il nt n o he or ng ans er A gr ent a r at M ort eem s nd el ed gage Loans as ls ed on Schedul it e A ,i t cas ofB a Tr f r M orgage Loans,or n he e nk ans er ed t Schedul B ,i t cas oft Bank O ri nat M ort e n he e he zi ed eaee Loans,and t Selerhasaccept t ri sand benelt of he l ed he zht ls , and as um ed t oblgatons oft B a under,t Bank s he i i he nk he
Tr ns e Ag ee a f r r ment ;( m phas saddedl s e i
o i to t r unde ,t t De ior ( m phas saddedl blga i ns he e r o he post ; e i

and
aI ofisrzht a delgaealofisoblgai he e rK I t i s nd e t l t i tons r unde

t T rust f t benentoft C ertncat ders,and t he ee or he he i ehol hat each r er ef ence her n t t D epos t i i ended,unl s ei o he ior s nt es ot w i s f ed,t m ean t D epos t or t Trus ee.as her se peci i o he i or he t ass enee,w hi i chever i t ow ner of t M ort s he he taae Loans f om r
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tmet tme ( m phas sadde i o i .e i dl

N OW ,THEREFORE,i consder i oft m ut n i aton he ual agr ent her n s f t and f ot good and val e eem s ei et or h, or her uabl cons der i t r pta adequacy ofw hi ar her i aton, he ecei nd ch e eby acknow l edged,t Seler and t D epost agr as f l s: he l he ior ee olow
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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
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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
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W H EREA S,pur uantt an ass gnm entand as um pton s o i s i
( ) SaeofM orga Loa .Conc r ntywih t e uton a l t ge ns ure l t he xec i
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
De ior wihoutr c s s j c t Se tons1. a 1. post , t e oure, ub e t o ci 03 nd 04,

a1 t rght tte a i er toft Seleri and t t 1 he i , il nd nt es he l n o he M orgage Loans i i i on Schedul A and B her o, t dentfed es et havi an appr m at aggr e prnci bal ng oxi e egat i pal ance of
$71 883,74. Suc c ve nc i l ,wihout 0, 1 03. h on ya e ncudes t
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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
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CO NVEYAN CE O F M O RTGA GE LO AN S Secton 1. Sal ofM ort i 01. e gage Loans.
ARTI CLE 1.
at c d a Exhi tB heeo (het r has Prc '.Ihe ta he s bi rt t t c e ie' '' pu )
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 .
( Sc dulsofM orga Loa . De iora t Selr b) he e t ge ns The post nd he le
(he orga Loa Sc dul') TheM orga Loa Sc dul t t ge n he e'. M t ge n he e

s lconf m t t r r ent oft D eposior as s f h hal or o he equi em s he t et ort i t sA gr entand t t defnii oftM orgage Loan n hi eem o he i ton t t Schedul 'undert Trus A gr ent The M ort e' he t eem . gage Loan Schedul atached her o as Schedul A s f es t e t et e peci i hose M ort gage Loans t ar Tr f r M or gage Loa and t hat e ans er ed t ns he M ort gage Loan Schedul atached her o asSchedul B e t et e s f es t e M ort peci i hos gage Loa t tar Bank O r gi ed ns ha e i nat M ort gage Loans,each ofw hi cat i ofM ort ch egor es gage Loans have been ass gned by t B a t t Selerpur uantt t i he nk o he l s o he A ss gnm entand A s um pton A gr ent i s i 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
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Bus nes D ays prort t C l i D at delver,orcaus t be i s i o he os ng e, i eo
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
E1 osng dat i Jul 31scx K;pui ir, M or gageLoan wasexe ut d on S cl i es y t ntj s t c e

se e be 29hx l . pt m r t x
op Fo
Secton 1.02. D elvery ofD ocum ent (1 i i s.5
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Page 82 of205
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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
lse o t M orga Loa Sc dul s j c t r viw t r of itd n he t ge n he e, ub e t o e e he e

a U. Ba Naina Asocito asa ia e( a h, nd S. nk to l s ain pplc bl e c a t a 'az t t r t usodins' f t cusodin' ld ogehe ,he f t a ' or he )
361.
A ggr e Schedul Prnci B al egat ed i pal ance ofM orgaged N OTES s d by t ol
STRUCTURED ASSET SECURI ES CORPORATI t LA SALLE BAN K TI ON o
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.
NATI AL ASSOCI ON ' Tr t i tus f t beneftofCerii e- ol , ON ATI S usee n r t or he i tfcat H der
St
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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
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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.
( ForM orga Loa (fa t tha be n p epad i f l b) t ge ns i ny) ha ve e r i n ul
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
Ni t TwoneyThous nd- xa si Hundr d- e 97/ 00, $ 592, 97) e W e 1 ( 204, 603. .

363.
PROSPECTU S SUPPLEM ENT,fl wih t Securtesand Exchanged ied t he ii
Gl'eSeler' ri l:undereach Sal Agreem entwilbeas i h l s g/f e l sgned
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
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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
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ASSI GNX NT A GREEC NT orPROSPECTUS SUPPLEM ENT fl wih t ied t he
St
Contoli D ocum enttted M ORTGAGE LOAN SALE AND r lngil
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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
b t S le t t De str s an t t S l a y he elr o he poio puru to he ae nd
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Com m i i , June2n 2006, ecton 5- , t esi rel sson d s i 83 sat n evantpart ' ,
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( 0, 174. , xc nge bySTRUCTURED ASSET SECURI ES $71 883, 03) e ha d TI
rght tte a i er tfom SelerLEHM A N BROTHERS HOLD I GS 1 t Depost , i , il nd nt es r l N NC o ior
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.
Each oft varousagr ent bet he i eem s ween t s ii i enttessatng he ecurtzaton ii t i
t teach Entt had a rghtt an assgnm ent/conveyanceofal rght tte and i er ti ha iy i o i 1 i , il nt es s
r dabl f m E1 se U. Bank NatonalAs ocatqn v.I ecor e or 6 e S. i s ii hpne ( 09) z 20 .

.
E1 6
i t ume t i r c r b ef r s fkintun rt I wso t j idito whe en t r lt d nsr n , n e o da l o m. u l e de he a f he urs ci n r i he ea e
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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
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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
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365.
Pl ntf can notl e a docum ents i conveyance of s d de ,w ih ai if ocat how ng ai bt t
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
REM I f prmaf ci e de et s Tr tef LEHM AN XS TRUST C, ound i as a vi nc o how use or

M ORTGAGE PASSTHR OU GH CERTI CATES,SERI 2006-11i noti FI ES s n pos es on ofany oft Cl i D ocument execut by t sPl ntf a vi aton of s si he osngs ed hi ai if, ol i
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
v.Count y deHom eLoans I ( 01 . r wi , nc. 2 0)
369.
i er ni pa i wih t fnalSpeci -ndor em entt t Tm see.The Law of nt ve ng rtes t he i all s o he t
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.
delver w ih an unbr i ed t oken chai ofendor em ent f om t Orgi t t a1 n s s r he i na or o 1
St
TRUST AGREEM ENT m andat i par ,aN OTE m us be tans er ed and e, n t t r f r
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367.
Plitf hol i ha d asc e n- Elhar c viualr pr s ntto of an if ds n n r e shot*( d- opy s e e e a in)
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
wih r pe tt ea hM orga Loa t orgi lM orga t es c o c t ge n,he i na t ge
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.
W hen as et ar t ans er ed t a N ew Yor Trust t e hast be act s s er f r o k , her o ual
371.
The J y 1S2006 as gnm entofPl ntf ' NOTE t LEHM AN XS ul t si ai ifs o
44( 1867) Ki v.Fugaz 145A. 2d 537( 988) 9 uge y, D. 1 .

372.
However,appearng on t publc r d i aVerii col a e i he i ecor s fed or bl
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;
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373.
s how an i er ti Pl ntf s pr nt es n ai i f' oper y i an actofI rns c Fr t s nt i i aud;
87 of 99
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as gnmentfom LEHM AN BROTHERS BAN K FSB assgned di l t A UROM , si r i recty o
BogusAs inment( rnscFr ud)us asprmaf caevi et sg Exti i a ed i as i denc o
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t a ua ta f ofs i Pr is y- o'E i a nuliy. e r t v Bar holc 36 N. he ct l r nser ad om s or N f s lt M r it t ik Y
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TRUST M ORTGAGE PA SSTHROUGH CERTI CA TES,SERI 2006-11w ihout H ES t
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delver i asperecta manneraspos i e,a m er r t i i f i i yn f sbl e ecial s nefectve;
Page 87 of205
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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:
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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)
I co ci wih s h ta f ra as i n nne ton t uc r nse nd sgnme ,he nt t
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.
A U R OR A i notnow ,noreverw ast Realpar y-n- nt es i r aton t s he - t i l er t n el i o
t s debti ques i ,al o, hi n ton' s
377.
AURORA i notnow ,noreverwasH ol -n- ues deri D cour i r aton t se n el i o
t debti ques i he n ton.
f LEH M A N BR OTI ERS B A N K FSB , how ever,c RS* i notN om i f or I s nee or
379.
LEH M A N X S TRU ST M O RTG A G E PA SS- I O U G H CER TI CA TES, TI R FI
; SER I 2006- 1 i nota M ER S* M em ber how ever, ES 1 s
CERTI CA TES,SERI 2006-11i t r ser H ol oft debt wher H ES s he egit ed der he ; eby,
381.
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LEH M AN XS TRUST M ORTGAGE PASSTHROUGH
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LEHM AN BRO THERS BANK FSB negotat Pl ntf sN OTE wih i ed ai if' t
374.
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( v)
wih r s c t e c NOn- ERS M orga Loa a orgi l t e pe t o a h M t ge n, n i na
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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
.
Assgnmentfom LEHM A N BROTHERS BAN K FSB t AURORA i i r o s
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383.
THEODORE SCHULTZ,Asss antVi Pr i it ce esdentofAURORA hol ds
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M ERs* asGr or/Assgnorcol abl assgned Pl ntf ' M ort ant i or y i ai ifs gage and NOTE t o
THEODORE SCHULTZ' empl ,t Gr ee/Assgnee AURORA ,i i a1 of S oyer he ant i gnorng l
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appearon t M ERS s t ;as he ysem ,
386.
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388.
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389.
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or s
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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.
THEODORE SCHULTZ Actng i t capaciy ofCeriyi Ofi f i n he t tf ng f cer or
and/ s s r i e o hi lan and t t c r ntowne o hel i i nh di or ub- e vc r ft s o hat he ur e r ft oan s de pe n

t txtbox di os esaboye.' he e scl ur '
391.
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owne o hede i:LEHM AN BROTHERS H OLDI r ft bt s NGS I 7 Sev nt Ay . fh NC 45 e h e,

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392.
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393.
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390.
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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.
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Hofm aserv. a 78 Ohi St 1, N. 42 21L. A.( S. 62,1 Am .St f t Bl ck, o . 84 E. 3, R. N. ) 25 .
397.
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Owneroft N OTE,orAgentt eof M arlnz v.Noni ens 127 W i 363,106 N. he her ; i m en, s.
Baum eart v.Pet ner erson.93 Iowa,572,62 N .W .27 ;Burhansv.I ut l cheson,25
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Page 92 of205
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CERTI CA TES,SERI 2006-11i aPhant - iy t t ext i i notr s er FI ES s om Entt o he ent t s egit ed

w ihi t St e ofN ew Y or D el ar orFl i nor i i r s er anyw her w ihi t n he at k, aw e, or da, s t egi t ed e t n
t cop or e UNI he at TED STATES;m eans,

399. 400. 401.
onl a pers hast capaciy t be aH ol ; y on he t o der
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
t i t pe s i pos e sonn' j673.0121 ( )Fl Stt hat s he r on n s s i '. 2 ( )a a. a.

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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
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Fr au d. co
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Am .Rep.688 ;Carpent v.Lonzan,16 W al.271,21L.Ed.3139Switv.Bank of er l f
capa e ofbei a H ol i t St t ofFl i bl ng der n he a e orda; 404.
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t s ur i er t, how everpur uantt he ec ed-nt es ' s o,
405.
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PASSTHROUGH CERTI CATES,SERI 2006-11i r ser Hol ofPl ntf s FI ES s egit ed der ai if
406.
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408.
409.
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410
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or Tr anches(1 *, . 412.
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Tr anches' ,
413.
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415.
Each Cl s,orTr as anche hol ng Pl ntf saleged debtatf lf val di ai if l ul ace ue
and cores r pondi CU SI N umberi asf l ng P s olows;
416
.
by M ai Lane 1 LLC.See ASSET PURCHASE AGREEI ENT dat December 12, den 1 M ed
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417.
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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
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whe e t Cure outsa ng baa eofj tt s t me i d r by he r nt tndi lnc us he e wo ntone
Fr au d. co
-
FORM 8- - EXK
( , 559. ; $201098, 00)

419.
NOTESorgi l val atappr m at y Seven-l i naly ued oxi el l undr r M iloned-fen li
Ei ghtHundr Ei y- eeed- ght Tk Thous du one- undr sevent Four03/ H edy 100
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420.
421.
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423.
424.
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425.
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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
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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-
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435.
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Hol ngsasar ervef l age. di es or ever
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STRU CTURED ASSET SECURI ES CORPORATI appear t be TI ON so
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Cls /Tr nc tte Pd M 7CUSI Numbe 52522W AQ2; a s a he ild P r
426.
Cl /Tr ass anchetted Pd M 6 CU SI Num ber52522W AP4; il P
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
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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
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437.
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438.
A once Secur N or M onetzed,Securtzed,Fr i i and now ed- fE, i ii actonalzed
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tm es t o,by t l ur 'or, i w he ns er,
441.
Orgi lNOTE wa ...dei r ey ei natd t av d c fuson ..' i na s 4. lbe at l lmi e o oi on i .'
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.
A s SecurtesCop or i asdepost f LEHM A N XS TRU ST M ORTGA GE set ii aton, ior or
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'
exchanged Pl nt f sN o r M or gage f s d Trus - eri i es Securtes/B O N D S ai if fE- t or ai t c tf cat , ii
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
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cl e up s wihi s ve ( mont . os d- hop t n e n 7) hs
99 of 99
KORMAN vAURORA e al t .
w.
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443.
Pl ntf alegesSTRUCTURED ASSET SECURI ES CORPO RA TI , ai if l TI ON
op Fo
gener ed f om t TnltCertfcat a/ a BONDS a k/ Securtes,t ed a For 15at r he s ii es k/ / a ii il m D
re
PASSTHROUGH CERTI CA TES,SERI 2006-11,Benefci y oft r FI ES i ar he evenue
clo
Januar 26t 2007 Seni V i Pr i ,M i y h or ce es dent chaelH izm ann,f St uct ed t or r ur
Page99 o 205 f
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Fr au d. co
Number 52522W A85 and 52522W AC3,i whi each CUSI Numbercont nsa s n ch P ai
440.
Al i negotatng t pur ePl ntf sas etf G s i i o chas ai if s ound underbot CU SI h P
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
Com mi si t be an Unreait s on o s ered Inves m entCom panv; t

445.
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
Stt ofFl i ,noStndi a i nota ij e pa t s pr f t r e ae orda a ng, nd s n n ur d ry, u a; urhemor ,

446.
U c egi t ed- nves m entc om pany l s er l t acks t capaciy t A ss gn Pl ntf s he t o i ai if
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.
LEH M A N B RO TH ERS BA N K FSB endor Pl ntf s N O TE t sed ai i f hen
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.
H om e- l ,bal seler anced one si oft l de he edger;however ,
ww
450.
ow ed t t s Pl ntf f depos toft N O TE;as o hi ai i f or i he ,
w.
St
A ccount ;
D r t orbankaf , check s overby LEH M A N B RO THER S B AN K FSB t et o
D ef endantLEH M A N BRO THER S B A N K FSB s ilhol t labiiy t l ds he i lt
op Fo
t Hom e- l ;w her he seler eby,
re
si gned,w hi excl ch udes t M oney- - ccountcr ed t di cha ge t debtow ed t he of A eat o s r he o
clo
447.
DEFENDANT e al,oi l ors ve al potntal als r d i pa t t .j nty e r ly, e ily 1 ha e n r
Page 100 of205
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Fr au d. co
TRU ST M O RTG A G E PA SS- R OU G H C ER TI C A TES,SER I 2006-11,aft TH H ES er
444.
Undert I he NVESTW N T COO A NY A CT OF 1940,LEHM AN XS
whi uli at y i empl ch tm el s oyed t f s d l o und ai nvesmentcompany;ass t uch, 452.
Pl ntf i an undicl ai if s s osed i t ,by ext nalt aThid- rt nvesor er iy, r pa y-
Benet i y;as, k ar
453.
454.
Pl i ifhol aPoses or l e es i t NOTE, . C. 3 antf ds s s y-ntr t n he U C. 93- 06.
Pl ntf sN OTE i quesi negotat wih LEHM AN BROTHERS ai if n ton i ed t
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.
LEHM AN BROTHERS BANK FSB asa s of on isbooksand r ds, et f t ecor
asatues l ( C. j3- ) t r atr r ae, U. C. 311 ;he e fe ,

456.
STRUCTURED ASSET SECURI ES CORPORATI ,asa t e s e; TI ON nl al

457.
STRU CTURED ASSET SECURI ES CORPORATI ' debtwas TI ON S
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
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St
DTC Tr tcertfcat Hol ' debtwassats i byw ay ofPl ntf s us - ii e der s ifed ai if
op Fo
Assgnors overPl ntf sNOTE t sai l t entcom pany, w ay of i et ai if o d nvesm by
re
LEHM AN BROTX RS HOLD I GS l C actng i t capaciy as N N i n he t
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,
Page 101 of205
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Fr au d. co
451.
LEHM AN BROTHERS BANK FSB etal,negotat Pl ntf sN OTE, . i ed ai if
r c nta toft Fe r lRes r )t purha eba k t ba pa ra c rt c e t e e udi he de a e ve o c s c he d pe nd ove he r di

s aps,dr ng t cos ofSTRU C TU RED A SSET SEC U RI ES C O RPO RA TI N ' w oppi he t TI O S
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.
Pl ntf does notowe any m oney t LEH M A N B RO THER S B A N K FSB ; ai i f o

Pl ntf has never m ade a m ont y M or gage paym entt LEH M A N ai i f hl t o
BROTHERS BAN K FSB;

462.
A U R O RA as Servi f LEH M A N B RO TH ER S B A N K FSB ,s ci cer or ervi ng
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
Pl nt f att t m e;as s ai if hat i uch,
re
paym entt a par y ot t n LEH M A N B RO THER S B AN K FSB ,unbeknow ns t o t her ha to
clo
h wo tcl i dut comm enced Novem ber 15t 2006,t weekspos - osng, dibur Pl ntf ' y s sed ai ifs
LEH M A N BR O TH ER S B A N K FSB di notH ol or O w n any r ght tte,ori er t d d i , il nt es ,
debt ;
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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
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knew ,or s houl have know n, d
Fr au d. co
mone (ndmor f ndsbo r dfom t Fe r lRe e ve 1 Trli purua t t ya eu rowe r he de a s r , 6 ilon s nt o he
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
464.
Pl ntf r aleges a af im s each a ever pr ai if e- l nd fr nd y ecedi pa aph oft s ng ragr hi
Com pl ntand i ai ncop or e s e her asi aleged anew . at am e f l

465.
D ef endantA U RO R A a is A gent have m ade m any of er t M odiy nd t s f so f
Pl ntf sM or gageai if' t Loan;i , f 466. 467. 468.
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
AURORA unabl orunwilng t pr isCl m em pl t l fr of e, li o ove t ai oys he aw im
K ahr W ut cherLLP t r pond pr vat y,di do s by i or i Pl ntf A U R O RA i l s o es i el d o nf m ng ai i f s
469.
Realpar y-n- nt es i LEH M A N BR O TI ER S H O LD I G I C ,an - t i l er t s I N N
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.
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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
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K ahr W ut cher LLP alegesr es aton of A U RO R A ,pur ua t is l s l epr ent i s nt o t
op Fo
j tt Se vie t/ aThid- ly- btcole t ) t us he r c r ak/ r pa De - lcor; he,
re
clo
Page 1 of205 03
su re
Fr au d. co
VlI I. AU RO RA O FFERS LO AN M ODIFICA TI N I BAD FAITH O N
docum ent and r um sam e t t l Fim di ecty;as s, et o hat aw r r l ,
472.
.l mei o hees e e Aur r wilnotposponeors pe f e l ur .i s ft s nc . o a l t us nd or cos e
pr e di ,C cry whiei waisyourdei ey o c ee lan zl r i oc e ngs l, l t t lv r fa ompltd o z/##il//a

applcadon-' phasi Jl#ezlSee Exhi tM 'her o atached and i por ed her n i ' em s 6 bi ' et t ncor at ei
473.
AURORA on t ot hand i of erng Pl ntf t I AM P pr am ast he her s f i ai if he I ogr he
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.
doesnoti i y is Pr nci ;how ever, dentf t i pal
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
M or gage and N O TE i Cas N O .07t n e 80998- l - Y SK A * CV R
and cont olasof 12t ofD ecem ber2008 and pr des a copy oft unr ded r h ovi he ecor
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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 '
w.
476.
St
A U R OR A etal,t tf ed s d N o rz - or gage i under is car cus ody . es i i ai l M t s t e, t
op Fo
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Pag 104 of205 e
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by r er ef ence,oferabove m adeby Tr sJ.Elas f avi i on.
Fr au d. co
applcaton docum ent wih ar i i s, t eques t fl outt For swih a1 supportng t o il he m t l i
471.
Kahr W ut l scherLLP pr desPl ntf wih HA M P and non- l p ovi ai if t l AM
H ol oft M or gage and N O TE,as t Realpar y-n-nt es ; der he t he - t i l er t 478.
D ef endanther n,butPl ntf i Cas N O.09- 017057,AURORA on ei ai if n e CA-
M a 1 h2009, y 5t COUNT 1 pa a a 5;Gl'eFI I I , r gr ph h JI/ AURORA)ownsand /ol t F l #: he

Not and M orgage' (mphassa d) e t .' e i dde
479.
Def enda her n AURORA,butPl ntf i Cas NO .09- nt ei ai if n e CA 017057,
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.
t hese t o af em entoned pa w or i ragra can notbot be hel as t ue,bot phs h d r h
aver ent f m s ound w ihi t C om pl nt t n he ai . 481.
D ef endantA U R OM ' St ng i pr cat upon A U RO R A acqui i S andi s edi ed rng
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
s eI ReVar , B. 511( e n zas 396 R. Bankr. D. .2008) Se as M or eaeeEl . C. CaI . e lo t ec

Rez.Svs.v.N ebras D ept ofBanki 270 Neb.529. ka . ne,
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Page105 of205
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Fr au d. co
2009,C as N O .09- A - 7057,i is ow n nam e,f isow n benef t as O w nerand e C 01 n t or t i,
477.
D ef endantA U RO R A com m enced an acton agai tt s Pl ntf M ay 15t i ns hi ai if h
delver by U . PosalServi by Cerii M ai; i ed S. t ce tfed l

483.
De e da tAURORA Oco r1 h201 (a lte a a fn n tbe 9t 0 s me etr s bove)i or nf ms
Pl ntf,undert headi I PO RTAN T NO TICE;. ur Loan Ses i i a debt ai if he ng M A ora ces s
cole f .Aur aLoan Se vc si ate i t c le tade andan if maton lcor or r ie s tmptng o ol c bt y n or i
484.
Pr iesConsder i Judi alEsoppeli CaseN O.09- 01 em s i ed s ci t n CA- 7057,
485.
Ther or a ques i ar ses as t w her does D ef ef e ton i o e endantAU R O RA f nd t i he
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.
Def endantAURORA t t ke a acton ot t t whi i o a ny i her han hat ch s
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.
M orgaget Loan,butAURORA hasaf im atvel ofer t do s f aprce; fr i y f ed o o or i
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488.
of a exi tng agr entand pr s ons f n si eem ovi i ound t ei her n;

Page 106 o 205 f
KORM AN v AURORA e c . fl
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AURORA i w ihoutact i entorcapaciy t M odiy Pl ntf s s t ual nt t o f ai if
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
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pej yby i onsse sae nt rur nc itnt ttme .
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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.
D ef endantAURORA i a l t da ed Oct n eter t ober19t 2010 i or sPl ntf , h nf m ai if
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
Ser cer,t sThid- rt Debtcolect AURORA i goi t m ake ade er i i vi hi r pa y- l or s ng o t m naton

on elgi lt butcan notorw ilnotpr is Cl m upon f m alr i biiy, l ove t ai or eques ,under Til t te
1 j 1 e s q.orunde FlrdaCons rCole ton Pr ciesAc ,559. e s q; 5 692 t e , r oi ume lc i a tc t 55 t e

491.
D ef enda A U RO R A as s vi w ant updat det l ofPl ntf s nt er cer s ed ais ai if
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.
Prm a y r i r eason f docum ent i i notasPl ntf i l t beleve,ast or aton s ai if s ead o i o
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
s A U RO R A can atach i;and, o t t 494.
sub,s AURORA can event l ga s Pl ntf spayt o ualy rnih ai if' check.
495.
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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
AURORA woul lket know wher Pl ntf i empl di o e ai if s oyed;s ar ee ecentpay
A U R O R A i em pl ng decei t f audul l i s oyi to r enty nduce Pl ntf i o ai if nt
op Fo
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j udgme a trPli ifsHomei ilgalyt e nt fe antf s le l A n;
su re
Fr au d. co
a ,asAURORA l new ackst l capaciy t M odiy Pl ntf sM orgage- n; he egal t o f ai if t Loa
489.
D ef endantAU ROR A i acm aly s i tng Pl ntf i or t Contact s l olcii ai if n der o r
i m ade anonym ousy,butdoesdipl t l ofAURORA ;s iExhi tN ;' s l s ay he ogo ee t bi '

f her or urt m e, 497.
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
pr ect isown i erest i m orgage l ot s t nt sn t oansi isown n t
por i i any ci z pr e ng orldgadon folo n l a, oce di i

r egardi a M orgage Loan and s lnotm ake or ng t hal knowi y pe i any Serv cer t m ake any ngl rm t i o
reason ,
499.
i or f LEHM AN XS TRUST M ORTGAGE PASSn der or THR OUGH
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.
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Loa wa ta f re t t Ce tfc t lol rs by a t ough t DTC, s ntt n s r nse r d o he riiae-l de t) nd hr he purua o

t TRUST AGREEM ENT,r he enderng t Tr tefectvel ass fee; i he us f i y et r
w.
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Couns knowsal l and benefci i er ti Pl ntf sM orgageel l egal i al nt es n ai if t
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.
TR U ST A G REEM EN T cal sf a w rten opi on f om Couns pr or t l or it ni r el i o
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
Page 108 of205
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i e e t o heTr tFund i t s manne asi ntr ss ft us n he ame r t
Fr au d. co
t tm e t s of er w as m ade,w iness i par by sai com m uni i m aki s d of er he i hi f t ed n t d caton ng ai f
496.
t s of erof M or gagehi f t Loan M odii i w as know n t be a f s of er at f caton o al e f
i possbl f AURORA ,orany pers t negotat aM orgageLoan modii ton. m i e or on o ie t fca i
Se t bi Q.' et Exhi t '

502.
CEO TOM W l r
knowsPl ntf sNOTE hel by t sREM I , ai if' d hi C
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.
REM I LEHM AN X S TRUST M ORTGA GE PASSC, THROU GH
CERTI CA TES,SERI 2006- no l H ES 11 ongerexit , asm any Trusswer di ol ss t e ss ved
t acua i t t)ha be n ma whol a aelnggone. he t l nvesors ve e de e nd r o
f t aih. 505.
AUROR A' behavi and actonsdem onstat a pr S or i re openst whi iy ch
consiut unf rand deceptve tadepr i usi isSuperor Knowl tt es ai i r actces, ng t i edge t t o ake
per anenty deprve Pl ntf ofpr m l i ai if opert and ot sm ia l sm at y, her i lry i ed
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
.
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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.
AURORA knowi t eaf em entoned alegatonsar f , A U RO R A ng hes or i l i e act
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
CERTI CA TES,SERI 2006-11securtzed poolofM orgageFI ES ii t Loansm ake i t
501.
LEH M AN XS TRUST M ORTGAGE PASSTHROUGH
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.
A Decl at y J ar or udgm entf ng her n,M ERSCORP and M ERSO i a mdi ei s
sngl e oye , C. R. 3( )2)ast f l ngt e hol i me , i e mpl r 20 F. 639. a ( he olowi hr s d s t

a t r i acommon owne s p i e e t ) he e s r hi ntr s;
har r or b)bot < RSCORP a < RS* s e com m on D i ect s, orofie s h nd fc r ;
d)t r i ade nde yofo r tons a he e s pe nc pe ai ; nd,
e t r if ) he e s ound adef t e r ieofc r . aco xe cs ontol

507.
A Decl aory J ar t udgm enttndi her n when aPr i or Nor i i ng ei om ss y- rE s
i entonaly desr nt i l toyed,t i entonalActdesr t s ed i er t hat nt i toys he ecur nt es .

508.
A D ecl at y Judgm entfndi her n,aPr is No' whi i ar or i ng ei om s ory- rE ch s
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 D ecl at y J ar or udgm entfndi t A ss gnm ent pup ortng t as i i ng he i , i o s gn
LEHM AN BROTHERS BANK FSB ' benefci i er ti Pl ntf ' NO TE,asm or S i al nt es n ai if s e
a De e ntLEHM AN BROTHERS BANK FSB orM ERSOHol nobe fca ) f nda d ne iil
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i er ti Pl ntf sdebtt tans era any tme r eva ;or nt es n ai if or f t i el nt
KORM AN v AURORA e aI t .
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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-
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Page 11 o 205 0 f
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Fr au d. co
PRAYER FO R RELIEF
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)
Vanc v.Fi ds 1 So. 61 ( a.1s DCA 1 ; , e el , 72 2d 3 FI t 965) or
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
d)AURORA a quie Pli ifsNOTE f Te ( 0. fom M ERS*t r by c r d antf or n $1 00) r he e
t debt he ;
forwanto owne s p i e es i s d not and morga b t nomi e' fan r hi nt r t n ai e t ge y he ne .'

LasaleBank Nat As ' v.Lamv,824 N. S. 769, l . sn Y. Zd 2006 W L 2251 ( 2006) 721 Sup. .
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
a Defnda LEHM AN BROTHERS BANK FSB orM ERS* Hol no be fc a ) e nt d ne ii l

i er ti Pl ntf s debtt t ans eratany tm e r evant or, nt es n ai if o r f i el ;
w.
St
510.
D ecl a or Judgm entfndi t A s i ent pur tng t ass gn ar t y i ng he s gnm , por i o i
op Fo
t not andmorga ma notefeciey asi t not andm orga t anot r he e t ge y f tv l sgn he e t ge o he
re
e M ERS*c n nots 1 t twhih M ERSOdoe no Own;: nomi eo heowne o ) a e1 ha c s t % ne ft rf
clo
A U RO R A i nota bona f de pur eras A U R OR A di notpay equi entval f s i chas d val ue or
Page 111 of205
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
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
Tr ns er,sai tans eri voi or, a f d r f s d;
d)AURORA ac uie Pli ifsNOTE f Te ( 0. fom M ERSOt r by AURORA q r d antf or n $1 00) r he e

i nota bona f de pur s i chas as A UR O R A di notpay equi entval f t debt or er d val ue or he ; ,
e) M ERS* c nnots 1 t w hi M ER SO doesnotO w n;or, a e 1 hat ch
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.
D ecl a or Judgm entfndi A U RO R A ,t r par y debtcolect ,l ar t y i ng hid t l or acks
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
r ue twa pr -or cl ur (i Pe ns ;s eSPEARS vsBRENNAN ( ) . eq s s ef e os e ls nde ) e 2001 V1
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 .
w.
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V aldatng s d debtpur uantt 15 U . C .1692g once r i i ai s o S. eques ed t do s i wrii sai t o o n tng, d
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
Page 112 of205
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
512.
Pl ntf r aleges a af im s each and ever pr ai if e- l nd fr y ecedi par a oft s ng agr ph hi
Com pl ntand i por e s e her as i aleged anew . ai ncor at am e f l 513.
LEHM AN BROTHERS BAN K FSB acquied Pl ntf sN OTE,pr se r ai if omi
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-
NOTE i o aTr ns ci Acc ,s 1 U. C.1 3 () 1 ; nt a a ton- ount ee 2 S. 81 1( )

51 5. Tr acton- ccounti cr ed by a s r ans i A s eat ur ogat i t nam e ofPl ntf , e n he ai i f
usi Pl ntf s Li ied- er of A tor ng ai i f m t pow - - t ney,acqui ed underpr exta C l i r et t osng;

51 6. Tr ansacton- ccounti cr ed i Pl ntf snam e w ihoutPl ntf s i A s eat n ai if t ai i f
know l edge or cons ; ent 51 7.
D eposi ofPl ntf sN OTE i o s d Tr t ai if nt ai ansacton- ccountcr ed m oneyi A eat
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
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w.
BROTHERS BANK FSB) t r fe , ;he ea tr
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
CO UN T I. FRAUDU LEN T CON VERSION
t t SelerofPl ntf ' hom e; o he l ai if s 51 9.
LEHM AN BROTHERS BANK FSB t enderofsai Dr t orBankd af, check
di do s i isow n nam e,f is ow n beneft w ihoutdi cl i t s ce oft s d ont or t i, t s os ng he our hi

m oney;how ever,
520.
O n t e Cl i dat Sept ber29t 2006 afer LEH M A N BR O TH ER S h os ng e, em h t
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.
O n t tsam e C l i dat af erLEH M AN B RO THER S B A N K FSB ha os ng e, t
deposied Pl ntf sN O TE i o s d Tr t ai if' nt ai ansacton- ccount t labiii hel on t i A , he i ltes d he
val ofPl ntf sN O TE; ue ai if
522.
O n t sam e C l i dat t R eser hel by LEH M A N BR O THER S hat os ng e, he ves d
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
L Bo r we pa i ejha e e ymo has m c rant t Le de i r ae t Pubi 8 r o r yng a nd v r nt u eti o he n r nce ss he lc 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
w.
St
B A N K FSB a t end oft day ar unt he he e changed by t sM or gage- n t ansacton. hi t Loa r i
op Fo
Books- R ecor of LEH M A N BR O TH ER S BA N K FSB al o i eased by t f andds s ncr he ace
re
clo
Pl ntf sN O TE; ai if
Page114 of205
su re
Fr au d. co
dr n f om Pl ntf s Tr acton- ccountt t etcaly di cha ge E1s i debtow ed aw r ai i f ans i A o heor i l s r 8 a d
518.
LEHM AN BROTHERS BANK FSB t ender a Dr t orBanked af, check
524.
a t end oft day LEHM AN BROTHERS BANK FSB i i exacty t t he he sn l he
s efnanci condii ast begimi oft day;except am i al ton he l ng he , 525.
LEHM AN BROTHERS BANK FSB , isSuccess ,orAssgnee t eof t or i her
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.
underGAAP t e m us be an equaland bal ng of s t t snew as / her t anci f et o hi set
whi i r ch s eveal t t l on For 1099- D , O r gi I ue D i count i iyi t ed o he RS m Ol i nal ss s , dentf ng he
527.
LEH M A N BR O TH ER S BA N K FSB , is Succes or,orA s i t s s gnee t eof i her s

.
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
-
oft money,whi LEHM AN BROTHERS BANK FSB conveyed t t Sel he ch o he l
w.
St
528.
LEHM AN BROTHERS BA NK FSB , i s Succes or orA s i t s , s gnee t eof her
op Fo
i t be r ur t t s ce;as, so et ned o he our
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
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Page 11 of205 5
Fr au d. co
er;
M oney- - ccountwih a f key- r ofA t ew stokeson a com put ;er , er go
523.
LEHM AN BROTHERS BAN K FSB convered Pl ntf sNOTE i o t ai if nt
t f o undses owed and r cr ecover bl howeveri notcl m ed, deem ed a a e, f ai bandoned afer t
t ee( ye r ,i c eque l cli by t de orLEHM AN BROTHERS BANK hr 3) a s s ons nty amed he bt

FSB,isSuccess ,orAssgneet eof however, t or i her ' ,
530.
Pl ntf hol aPos es or l er torPoss s p Ri t t ai if ds s s p nt es es or ght o he
Pr s or NoTE,s e U. C.93- whe e Def ntAURORA cl i i Hol omi s ye C. 306, r by enda a ms t ds

Pl ntf sPr is p N oTE,howeverPl ntf diput AURORA ' cl m t Hol ai if' om s or ai if s es S ai o der
531.
Pl nt f m ai ai A U RO R A l ai if nt ns ackst r ghtof e or ent as s he i nf cem ; uch
532.
Feder Res veBank ofDalaspublcaton M ONEY AND BA NKI , al er l i i NG
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
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
Pl ntf hol a s ai i f ds uper orcl m t t N O TE . i ai o he
re
clo
i Duencour e s at ass s t us; uch,
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.
LEHM AN BROTHERS BAN K FSB,isSucces or,orA s i t s sgnee t eof her
htp:/ l f or educat evev day/ ht l t /dalas ed. g/ e/ evg. m
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
bec sanew de i, us lkeapa hec does t ba ome postj t i yc k ,he nk
53 4.
M ODERN M OM Y W CHANI pa t ( r a ,npa t . t CS, ge wo 2) e ds i r; vn he
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
l oansi t accpt omis y notsi e hangeforc e t t y maket t s o e pr s or e n xc r dis he o he

bor owe s'tans don acc s Loans( s t)andde is(i lte )bot rs r r r ac ount. as es post labiiis h ie
b . (heamounto he % l ' . s rv sa eun-hange b t l tans tons y.. t ft /Jz7.'* e e r Re c d y he oan r aci .

Butt de i c e t cons ut new addii t t t alde iso hebanki he post r dis dt e tons o he ot post ft ng
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
dExhi tC' and t Cr tRi D eci on' t bi ' he edi ver si ,
w.
M ONEY M ECHANI pa t ( , i ( a s ve ( c CS, ges wo 2) sx 6) nd e n 7) ompos bi L' e Exhi t '
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.
Feder Res al erve Bank ofDalasweb- t expl nsi t sway; l sie ai t hi
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
j udgme a i tLEHM AN BROTHERS BANK FSB, LEHM AN BROTHERS nt gans or
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
de msi j ta f i,dee mi d a Tral e s us nd ar tr ne t i .
ww
w.
St
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(nt ntonalylf bl l e i l e t ankl

Page 1 of205 18
clo
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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
535.
Pl ntf r alegesand afim seach and ever pr ai if e- l fr y ecedi par aph oft s ng agr hi
.
Com pl ntand i ai ncop or e s e her asi aleged anew at am e f l

536.
l Cas N O.07n e 80998- VCl RYSK A*
/VI TUNAC , I Tll UNI N E TES

,
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.
TheI NTERNAL REVENUE SERVI (ERS')fld a Acin i r m t CE < ' ie n to n e o 1
f ecl on Pl ntf spr t t s if an aleged debt or ose ai if opery o ats y l ,
i s ns bl pa t (n e r ) Ac i c ndipe a e ry i ror, ton omme e Ocobe 22n 2007; nc d t r d
act asi i i t Realpary-n-nt es , tl aNotceofA ppear ed f t s he - t i l er t ied i ance assuch;

539.
Def endantAURORA know i i l ng t acked St ng f brca ed a untm el andi a i t n i y
prmafas a e de e,o s Stndi i ci vi nc t how a ng;

540.
ww
w.
A s i entwass equenty r ded June 11t 2009; sgnm ubs l ecor h
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
erori j ni AURORA t r a trs tt i t Re lpa t i l e es, AURORA r n oi ng he e fe ubsiutng he a - ry-n-ntr t
re
538.
Def endantAURORA i t ofpl ng t 1 i t cas m ade a nsead eadi he RS n hat e n
Page 11 of205 9
clo
su re
Fr au d. co
j ne AURORA a a oi d sn
CO UN T II. I TRI SIC FRAU D N N
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.
D ef endantJ A N N REI em pl O N oyed by A U R OR A LO A N SER V I CES LLC
occupi an O f i i t D ef tR es uton D epar m ent execut an A s gnm entof es f ce n he aul ol i t , ed si
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.
JO A N N REI hol pr N ds oper a hor t t A ss gn,di notpr ut iy o i d oper y execut l e
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
l ndor em entf s ound on t copy of a copy oft aleged N O TE i ques i he he l n ton.
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 ' ,
w.
St
Pl ntf r ai if equesed i D i covery and r ved i Cas N O .07t n s ecei n e 80998 a
op Fo
re
clo
Page 120 of205
su re
Fr au d. co
pr ecton on Sept ber 1 t 2008, al os t o year afer Pl ntf C l ed on t r ot i em 5l l m tw s t ai if os he eal
541.
A ss gnorLEH M A N BRO TH ERS BA N K FSB f l f B anknl cy i ied or pt
Pad' >
(. a)
t tf ed A U R OR A i t N O TE- o1 es i i s he H der;
( . b)
t tfed AURORA i i pos es on oft genui Not cont ni t esii s n s si he ne e, ai ng he
once w eti s gnat e ofPl ntf , nk i ur ai if'
(. c)
tsiidG ur a i t as i eo hemorgage pur uantt t e tfe A or s he sgne ft t , s o he
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
Pr oducton as t s t genui N O TE; i ked o ee he ne
w.
547.
St
Pl ntf sN O TE ; ai if'
Pl ntf her n butDef ai if ei endanti Cas NO .07n e 80998,Reques f t or
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.
CORPORATE ASSI GNW NT OF M ORTGAGE, t frtoft s h (he is wo uc
Page 1 o 205 21 f
su re
Fr au d. co
CYNTHI W ALLACE, a/ a CI A h n k/ NDY W ALLACE,t tfed December12t 2008,i esii
545.
Afi and Def fant endanther n LAURA M CCANN as i t by Def ei s sed endant
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
norpr oduced a copy oft aleged N OTE i ism s es on. he l nt s si

549.
Def enda JOANN REI Vi Pr i nt N ce esdentm ay have com m it an il ted legalac t
i t tc ehe ei boveunde 18U. C. 1 1 7 f c eame ofpr ry a t n ha as r na r S. jj 52, 5 or onc l nt ope t nd he

i enton t di tpr nt i o ves opert f om t debt ses at w hie underBanknt cy pr ecton, y r he or' t e l pt ot i di do s w ihouts ng r i f om t aut atc s ay,norN otced t J ci Tm s ee, d o t eeki elef r he om i t i he udi al t
consderng s d Assgnmentw asnotr ded yet i i ai i ecor .
ba nknz cy petton i f l pt ii s ied; 551.
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.
t aut atc say alo pr biscolecton actonsand pr he om i t s ohi t l i i oceedi ngs
diect t ar pr t oft banknp t esat is f;except r ed ow d opery he cy t e t el , 553.
w.
St
Def endantCEO TOM W l o
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
clo
550.
Ba pty Codej362 i est a omai sa a t mome a nknl c mpos he ut tc ty t he nt
Page 1 of205 22
su re
ofAURORA knew ,ors d have known houl
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.
afers e Dicover and s t om s y, ome Ar ent AURORA pai t l Onegum , d he RS
LEHM AN BROTHERS BANK FSB,i t l tknown Hol /Owneroft debt s he as der he .

555.
D ef endantJOANN REI actng i t ca t ofVi Pr i N i n he paciy ce esdentknows,
ors houl know t M orgagef l t NO TE,Carpent v.Lonaan,83 U . 271 d he t olows he er S.
( 27) a As i ntof us t M o t geal i anuliy;t r o e, 18 , n sgnme j t he rga one s lt heef r
N O TE w ihi t C OR PO RA TE A SSI N W N T O F M OR TG A G E,know i w ihout t n he G ng t
t NOTE t As i ntofj tt M orga aonei anuliy; he he sgnme us he t ge l s lt

557.
D ef endantJOANN REI as gned bot M orgage and NOTE wihout N si h t t
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
Pag 123 of205 e
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
BROTHERS HOLDI GS I C,whi fl f Banknz cy pr ecton al wih N N ch ied or pt ot i ong t
554.
Endor em ent f s s ound on copy ofacopy oft N OTE i cat LEHM AN he ndi e
(t bi A' be a e, gan i pa tAURORA doesnotdiburePli ifsmont y t Exhi t ' c us a i n r, ) s s antf hl

M orgaget paym entt LEI M AN BROTH ERS BAN K FSB;as, o I
560.
LEHM AN BROTX RS BANK FSB doesnotHol any l norequiabl d egal t e
i er ti Pl ntf sdebt ot t i nam e onl as a N om i nt es n ai if , her han n y, nalLender.
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
f i c i r ton ofonl Te ( 0. , l dl pai t M ERS@ as pa ae or n onsde ai y n $1 00) alege y d o e rt

cor aton w hi ow nsno benef ci i er ti s d pr por i ch i al nt es n ai opert i Cons ructve Fr ud' y s t i a ,
562.
AURORA ha ale i a quie de o ' ( s lged t c r d bt rs LEHM AN BROTHERS BANK
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
w.
BR O TH ERS BA N K FSB w as i f t R eal pm y- n- nt es ,butt der Banknl cy n act he i l er t m pt
St
D ef endantA U R OR A i nota bona fde pur er even i LEH M A N s i chas , f
op Fo
re
clo
Page 1 of205 24
su re
561.
D ef endantJO A N N R EI em pl N oyed by A U R O RA know s ors , houl know , d
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.
D ef endantJO A N N REI em pl N oyed by A U RO R A know s,or s houl have d
al o, s
565.
A UR O R A knew bef e t A ss gnm entw as execut t e w as an or he i ed her
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.
CEO T0M W I ofAURORA knew,ors d haveknown t ND houl he
A s i entexecut by isem pl s gnm ed t oyee JO A N N R EI i a Fr N s audul Conveyance,or ent
Fr udulntTr nse a As i i Ba pt j 1 2)i Fl.Stt; nd, a e a fr s sgnor s nknl , 726.05( () a a .a

568.
a copy of t aleged N O TE i ques i he l n ton;
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
pr i i t nor cour e ofisever day busnesspr i , actce, n he mal s t y i actces'

KORM AN vAURORA e l ta. Page 125 of205
w.
St
M ERS* etal know i y A s i ngl s gned Pl ntf sdebtw ihoutt t ue O wner' ai if t he r s .,
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
A ss gnm ent conveyi Pl ntf s M orgage and N O TE f om LEH M A N i , ng ai i f' t r
clo
su re
566.
AURORA i a i i r i Prviy wih As inorj 1 2)a Fl Stt; s n nsde ,n i t t sg 726.05( ( ) a. a.
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.
AURORA can notbe Hol -nderi Duecour asAURORA di notbuy se d
572.
a s donewihdol agans t j tces tm,asaFr udlo t us i t he usi yse a upon-he- t t cour,
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
r a- saef pe eson t dola , c tofltgai pl $1 00)potntal diplcng e le tt or nni he lr ( os ii ton, us 0. e ily s a i
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
s f t orwefr f ove ni t pe c nt( a ey, la e or r ney r e 90%)ofFl i a i f r l ur who a e ordins n o ecos e r

eiherun- epr ent under r es ed,or chos t abandon t r pr t r es ed, - epr ent eo hei oper y due t t o
a un- nf m ed. nd i or
W H EREFOR E,PREM ISES CON SIDERED;Pl ntf diect t sCour f enty of ai if r s hi t or r
j udgme a i tAURORA, nt gans CEO TOM W I ofAURORA, OANN REI ND J N,

M ER SC O RP 'M ER SO ALEHM A N BR O TH ER S BA N K FSB , LEH M A N B RO THE RS H OLD I G S I C ,LA SA LLE B A N K N A TI N A L A SSOC I TI N ,U . BA N C O RP N N O A O S.
ww
asTRU STEE,s ucces ori i er tt LA SALLE BANK NATI AL ASSOCI ON s n nt es o ON ATI
j nty,ors ve al f l rnscFr ud, a Upo t Cour,i Ca eNO. 80998; oi l e r ly or nti i a Fr ud n he tn s 07-
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
w hol c1 h,done w ih dol agai tt s Pl ntf how ever e 0t t us ns hi ai if; ,
571.
l or f A U RO R A t s n der or o how St ndi f brca ed s d A s gnm entoutof a ng a i t ai si
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
de i j ta f i, tr ne a Tra. ems s us nd ar dee mi d t il
ww
w.
St
op Fo
re
Ent ntonalylf bl l e i l e t ankl

Page 1 o 205 27 f
clo
su re
Fr au d. co
gai wher AURORA hast n eby aken pr opert fom Borowerevi y r r denced by an
fndi i t Af im a i i whol orpar,digor t e Def i ng n he fr tve,n e t s ge hes endantsofal ilgoten' 1 l- t
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
Com pl ntand i por e s e her as i aleged anew . ai ncor at am e f l
574.
Cas N O . 09- 017057, fl M ay 15t 2009, COUNT ll AURORA , as e CAied h l,
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
evi dence,t pl ntf i a m or gage f ecl ur m us pr entt or gi Pr i or he ai if n t or os e t es he i nal om ss y-
576.
Bet e De ember1 t2008(NTERROGATORY ,S bi A')a we n c 2h I 6 Exhi t ' nd
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.
Securtesand Exchange Com m i i i mos lkel becaus AURORA di notl e i. ii sson, s ti y e d os t
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
s ng A U R O RA di notr eei d epor t N O TE as l t s ol or m i si t t t he os , t en s ng o 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
M ay 15t 2009 D ef h endantA U R O RA w ant t Cour t beleve i l tt genui s he to i t os he ne
clo
N O TE as a duplcat ofa not i notadm i s bl orhave s d N O TE r t ihed; i e es s i e, ai ees abls
Page 128 of205
su re
Fr au d. co
CO UNT 11 1. I TRI SIC FRAUD N N
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.
Notc t t Se urtesa Exc ngeCommison ( ie o he c ii nd ha s i COP ont bea)of he t
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
pa t ve iidunde pe t ofpej y, d r ul i ac r ofSe urtesFr ud ry, rfe r naly rur woul es t n ha ge c ii a
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
ot s si iar y s m at t ver f t i iy oft R ealpary-n- nt es ,H ol - nher m l l i ed o iy he dentt he - t i l er t der 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.
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
D uecour a w oul pr de s e r se nd d ovi om ecour e i t eventofi s n he nexcus e er or or Fr abl r , aud;
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
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 UR O R A on M ay 15t 2009 pl h eads t t C ourtf <. . . aci t e fo c o he or < ton o n r e
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.
A si s gnor TH EO D O RE SC H U LTZ a i i t ca t of Cer iyi ctng n he paciy tf ng
O f i ofM ER S* al o asV i Pr dentofM ER SO, M ER SO actng i t capaciy of f cer s ce esi i n he t
Nom i f LEHM AN BROTHERS BAN K FSB alegedl As gned Pl i ifsNOTEnee or l y si antf
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
s j 1 2)i Fl.Stt ee 726.05( () a a.
w.
M orgagef a s t or econd tm et AURORA aferLEHM AN BROTHERS BAN K FSB i o t
St
op Fo
re
clo
Page 130 of205
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.
Def endantAURORA,by w ay ofisem pl t oyee TI IEOD ORE SCHULTZ, a
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 ,
So.2d 886, ( a.1 tDCA 1998) t r by, 889 Fl s ;he e

588.
THEODORE SCHU LTZ etal,m ay have com m it a crm i actunder 18 . ted i nal
U. C.jj 1 1 7 f c eame ofpr ry a havi t i e i t di s S. 52, 5 or onc l nt ope t nd ng he ntnton o ve t
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.
Appoi me ofar ceve put a lt pr ry s e tt t r c ve s p i nt nt e i r s 1 he ope t ubj c o he e ei rhi n
a m ora nitrngha o t cou t. r dmi se i nd f he r)

590.
A ny i er er nt f ence w ih t r ver' hm ctonsi puni habl by cont pt t he ecei s i s s e em .
( 1926) .
591.
Def dantAURORA com m enced a l en egalActon agai tPl ntf M ay 1 h i ns ai if 5t
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 ,
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
t c t oft c t Se R.Clr Cl k on Re ei r j36 ( 59)(e ei ri a he usody he our. e a k, ar c ve s 19 r c ve s n
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
pai outt a Entt ot t LEHM AN BROTHERS BANK FSB;becaus , d o n iy her han e

593.
LEH M AN BR O TH ER S BA N K FSB Hol no l ds egalnorequiabl i er t t e nt es
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.
Def enda AURORA and CEO TOM W l nt r
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,
r es D ef epr ent endantA U R OR A ,er r es i CEO TO M W I D ofA U R O RA ; go epr entng N

596. K ahr W ut cher LLP di os i t s com m uni i , i part t f l i l s scl es n hi caton n , he olow ng;
. o ah t rq t ef r et No ee i n igt de t Aur r as he ihto n o c he t vde cn he b,

and hast rgft r c iepa nto hede for he / o e ev yme ft bt and on be fo heowne o t de ' hal ft r f he bt' fFenameo hecur e owne o hede i: f ft r nt r ft bt s
LEH M AN BROTH ERS H OLDIN GS IN C.
.
ww
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
7 Se ent Av . fhFl ,New Yor N Y 10019 % 45 v h e, oor k,
re
clo
595.
K ahr W ut l scherLLP i ntfesis fasa l Fi r esentng t de ii t el aw rm epr i o
Page 132 of205
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.
Def enda CEO TOM W l nt c
ofAURORA knows,asSer cerofs d vi ai
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,
1 t pa t wiht lga rghtt brng s t a ) he ry t he e l i o i ui, nd
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.
Thi non- t i Cas N O .09- s par y n e CA 017057,LEH M A N BR O TH ERS
H OLD I G S l C i t Entt w hi exer s cont olover A U R OR A undert TRU ST N N s he iy ch ci es r he
599.
K ahr W ut cherLLP,com m uni i dat Sept ber 1S 2010, see l s caton ed em t
Exhi t0 ,'agai confr s LEH M A N BR O THER S H O LD I G S l C i t aleged t bi ' n im N N s he l
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.
as a f ei Li ied Li lt Com pany,w ih a l l r s er agent or gn m t abiiy t ocaly egi t ed ;
ww
602.
does r ve com pet l ecei ent egaladvi ce.
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
A U R OR A poss es t m ea by w hi t em pl m any At om eys and ess he ns ch o oy t
op Fo
ownerofPl ntf sdebt s Fi Suppl Inc.v.Abiene Nat Bank,726 S. . ai if ; ee na v. l . W 2d
re
clo
AGREEM ENT,and SERVI NG AGREEM EN T,atal tm esr eva her n; CI li el nt ei
Page 1 of205 33
su re
Fr au d. co
h s he vi , on M ar h 24t 2010,A U R OR A i t Ser cer and t ti know st R eal pa y- nc ha t he - rt i
597.
A U R O RA f eel adm is prva el by w ay ofone ofis l r y t i t y, t egalr es atves epr ent i
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.
M ER S* i a s at cop or i ow ns net neiherl s epar e aton her t egalnorequiabl t e
tte t Pl nt f sN O TE orM or gage t A ss gn,er Colat alFr il o ai if t o i go l er aud;
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
A U R O RA ' cl m t a l t s ol ordes r S ai o os , t en t oyed N o r M or gage,bef e t M orgage rE- t or he t
wa lgal As ine e go t NOTE coul notbeco ye (une8t2009)i i i s e ly sg d, r he d nve d J h fts
ww
m isng ( a 1 h2 ; s i M y 5t 009)
w.
St
t back- op of a B anknl cy pr he dr pt oceedi buti r l neverha ng, t ealy ppened,cons derng i i
op Fo
606.
A U R OR A i i or i t cour i has acqui ed Pl ntf s debtf a s nf m ng he tt r ai i f or
re
clo
LEHM AN BROTHERS BANK FSB was i f t Realpm y-n-nt es ,whih i i n act he i l er t c ts
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.
Def endantCEO TOM W l o
ofAURORA knows,ors d haveknown houl
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.
AURORA i a i i r i Prviywih As i j 1 2)a ;a s n nsde ,n i t t sgnor 726.05( ( ) nd,

AURORA alge y padTe ( 0. a a le dl i n $1 00) n mountf rfom r pr s ntng a r e ee i
tuema ke vaueofPl i ifsNOTE, newihoutJ ci Re ew j 6.05( )b) r r t l antf do t udi al vi 72 1 1 ( ;

610. A U R O RA can notbe H ol -n- ueder i D cour e asA U RO R A di notbuy s d
Pli ifsde f vauei good f ih j 1 1( ;as antf bt or l n at 726.05( )b) lo,

611. A U R O RA knew bef e t A s gnm entw asexecut t e w as an or he si ed her
unc e de a t s j673. * ) ur d f ul; ee 3021 3.

612.
Pl ntf m ai ai t Exhi tA U R O RA hol w hi A U R O RA aver ed ai if nt ns he bi ds, ch r
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
w ihoutt t ue O w ner' know l t he r s edge,consent orw r ten a hor zaton,i Colat al , it ut i i s l er
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
ofAURORA knew,orshoul have known t d he
how ever ,
616.
as donewih dol a i tt j tc s t asaFr ud- n-helo t us gans he usie ysem, a upo t
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
publc' he lh,s f t orwefr f ove ni t pe c nt( i s at a ey, la e or r ney r e 90%)ofFl i a i ordins n
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
W H EREFORE,PQEM ISES CO NSI DERED ;Pl ntf diect t sCour f enty of ai if r s hi t or r
j udgme a i tAURORA,CEO TOM W I o AURORA,M ERSCORP, ERSO, nt gans ND f M
BROTHERS HOLDI GS I N NC,LASALLE BAN K NATI ONAL ASSOCI ON , U . ATI S.
ww
BANCORP asTRUSTEE,s uccess i i er t LASALLE BAN K NATI or n nt est o ONAL
ASSOCI ON j nty, s ve al f I rnscFr ud, a Upont Cour i Cas ATI oi l or e r ly or nti i a Fr ud he tn e

Page 136 of205
w.
TH EO D O RE SCH U LTZ,LEH M A N BR O THER S BA N K FSB , LEH M A N
St
op Fo
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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.
AURORA knowi i l ng t acked St ng i Cas N O.09- 017057 andi n e CA-
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
a mountTre offc de i j ta f i, tr ne a Tra. ir a t ems s us nd ar dee mi d t il
ww
w.
St
op Fo
re
(nt ntonaly l f bl I e i l e t ank)

Page 1 of205 37
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
NO .09- 01 CA- 7057;fndi i t Af im atve,i whol orpar,digor t e i ng n he fr i n e t s ge hes
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
C om pl ntand i ai ncop or e sam e her as i aleged anew . at e f l 618.
AsitntViePr i ntofAURORA, ssa c esde LAURA M CCANN,oi wih j ned t
co- kerCYNTHI W ALLACE,a/ a CI DY W ALLACE who occupi an Ofi wor A k/ N es fce
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.
t tfedG ur r i t as i o hemorga ,pur uantt t esii A o a s he sgnee ft t ge s o he
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
--.
C OR PO RA TE A SSI X N T O F M OR TG A G E,s at i par ; GN t es n t
Assgnorher as i unt t abovei eby sgns o he nam edAssgnee t s d M orgage i , he ai t
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
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
A U R O RA LO A N SER V I CES I TER R O G A TOR Y Ans ert num ber 13; N w o
re
clo
M or gage i ques i , t n ton'
Page 138 of205
su re
Fr au d. co
COUNT IV. I NTRI NSIC FR AUD
623.
624.
LAURA M CCANN j ne wih c wor rCYNTHI W ALLACE, ak/ oi d t o- ke A / a
CI Y W ALLACE di nott lt whol tut ast knew i, buta partaltut i t ND d el he e r h hey t i r h n he
I NTERROGATORY ,i entonaly wih- d m at i i or a i done know i y, nt i l t hel eral nf m ton ngl ,

m alci l and i Fr by i entonalom i si w hen t e i a dut t s i ous y, s aud nt i s on her s y o peak.
625.
Pl ntf her n, butD ef ai if ei enda i C ase N O . 07nt n 80998- VCl RYSK AM P/
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.
AURORA pai t 1 Oned he RS Hundr u d- Ay Thous d ( 50, 00) ed- Fi u $1 000. ,

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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
l t sol ordesr os , t en, toyed whie i AURORA' poss i l n S esson;
AURORA w asneveri poss i ofPl ntf sNor M ort n esson ai if rE gage;as ,

-
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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 ,
w.
Fabrcaton ofa s i i econd Assgnm enti a Fr an A dm i i m ade by i s eudi ss on
op Fo
627.
h f ces D M ay 15t 2009 Law O f i ofD A V I J. STERN P. .com m enced a A
re
t Speci he alEndor ent f sem s ound t eon;t , her hen
Page 1 o 205 39 f
Fr au d. co
conveyanceoft NOTE canieswih i t M orgage; he t t he t
m
, ,
622.
tansf oft M orgage wihoutt N OTE i anuliy;wher r er he t t he s lt eby
H O LD I G S I C,J y 2006; N N ul 631.
A U R OR A can notr easona y obt n poss i ofPl ntf sN O TE bl ai ess on ai ir
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.
LEH M A N B RO TI ER S H O LD I G S l C i t l tknow n H ol . I N N s he as der
633.
Thi i s of a l tN O TE w as addr ed by Fl i sFour h D i t i s s ue os ess or da' t s rct
CourtofAppeali St e St n at reetBank and TrustCo.v.Lord,wher t cour hel e he t d
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 ;
LEH M A N BRO TH ER S H OLD I G l C a STR U CTU RED A SSET SECU RI ES N N nd TI
CORPORATI ar i cusodi l satal tm esr evant ON e n t a egi li el .
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
es at a al tm e r evant how ever t e t l i el ; ,
w.
St
635.
l ,LEH M A N BR O THER S BA N K FSB i t R ealpary- n- nt es upon f s he - t i l er t
op Fo
634.
The pr edeces orEnttes known asLEH M AN BR O TH ER S BA N K FSB , s ii
re
clo
t t r ghtt enf ce a l ti t um enti notpr hat he i o or os ns r s oper y as gned w her neiher l si e t
Page 1 of205 40
su re
Fr au d. co
tans er i a1 ofis rght tte and i er t et LEH M A N BR O THER S r f r ng 1 t i , il nt est her o
630.
Los ofposs i di occurupon LEH M A N B RO THER S B A N K FSB s ess on d
s howsprmaf ca,s ei hi tZ,' 4, chunde t TRUST AGREEM ENT i as i e s bi 'pg whi Ex r he
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.
h l eads n t f. D ef dantA U RO R A M ay 15t 2009,C O U N T I lpl , i par , T.. en
hol s et ng whi i m i i l tors ol i d om hi ch s ss ng, os t en, ncom pr ehens bl ,t i e' hen,

639.
As i (el J 8h2009t As i e( r t s meNorE- orga sgn s l) une t o sgne buye ) he a r M t ge
Cl k oft Court asevi nce t s er he , de o how i er ti Pl ntf spr t i an A ctof nt es n ai if opery, s
ww
l r nsc Fr ,i addii nti i aud' n ton,
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
i w hi tlee w eeksea i AU RO R A aleged i l t s ol or des r n ch lr rler l s os , t en t oyed,di nott d hen
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
ac t e f c a l f de to d orsolnpr s or not and M orga .'whih don o n or e /s, sr ye t e omis y e t ge..' c
clo
Page 1 of205 41
su re
.
637.
D ef endantAURORA ,M ay 15t 2009,Cas NO 09- - 7057,C O U N T h e CA 01
Fr au d. co
LEHM AN BROTHERS HOLD I I NG NC,ast endors enton t aleged NOTE he em he l
636.
LEHM AN BROTHERS BANK FSB di convey Pl ntf ' NOTE t d ai ifs o
copy oft aleged NOTE. he l

641.
De e ntAURORA ma ng a ofe ( t r1 h201 ,oM odiy f nda ki n fr Ocobe 9t 0) t f
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.
Defnda AURORA flda Aci ( ptmbe 2009)i whih t f e l e e nt ie n ton Se e r n c o or cos
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
-
tikt Co ti o a tng uponalgal(ill ngdoc rc he ur nt ci e sc ooki umentbutf audul i nat e, r ent n ur ,

execut unders ,decepton doneknowi y, i entonaly,as partofan ongoi ed eal i ngl nt i l ng
ww
ilgal tp t s l of usiei f vorofDef nda AURORA e al;w hi le ly i he caes j tc n a e nt t ch,

.
KORM AN v AURORA e a . fl
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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
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St em ent er Judi alEsoppeli Cas NO 09- 017057. at , go ci t n e CA.
Page 1 o 20 42 f 5
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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.
Assgnm entconveyi Pl ntf sM ort i ng ai if gage and NOTE fom LEHM AN r
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
j udgme a i tDefnda tAURORA, nt gans e n TOM W I asCEO ofAURORA, ND
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
a mountTreroff c de msi j ta f i,dee mi a Tra . i a t e s us nd ar tr ned t il
ww
w.
St
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CYNTHI W ALLACE,ak/ CI A / a NDY W ALLACEj ntyors ve aly f l rnsc oi 1 e r l or nti i
re
W R SC O RP C R SO LEH M A N BRO TH ERS B A N K FSB , LA U R A M CC A N N ,
Page 1 of205 43
clo
su re
Fr au d. co
s ft orwela ef ove ni t pe c nt( ae y fr or r ney r e 90%)ofFl i a i f ecos ewho ae ordins n or l ur r
645.
cr es and pr ent a s t ntaland s fc dangert t publc' healh, eat es s ubs a i peci i o he i s t
646.
Pl ntf r aleges a af im s each a eve precedi par ph oft s ai if e- l nd fr nd ry ng agra hi
Com pl ntand i ai ncop or e s e her as i aleged anew . at am e f l 647.
Def endantLEHM AN BROTI ERS BANK FSB fl f Bnnknl cy I ied or pt
pr ec i Sept ot ton ember15t 2008, i ol h ns ventt o m ont afert saleged debtwasfrs w hs t hi l it
f he um n $1 As i d, ul 9t 2008, ort s ofTe ( 0 00) f avaua e as e worh s x y sgne J y h , or l bl s t t i t

.
fvet a tmesTe ( 0. ,wihoutlfi t a om ai St y,i aFr udulnt i hous nd i n $1 00) t itng he ut tc a s a e

Conveyance,orFr audul Tr f tm s,s d negot aton i voi , ab i to,see Til ent ans er, l ai ii s d nii te
648.
Fl i St t St ut 726. m ay be cied as tu ni or Fra or da a e at e 101 t t f m udul ent
Tr f A ct' ans er '

649.
Pli ifpoi st 726.06 ( )Fl .Stt,e c c tonpr c de t a antf nt o 1 1 a a . a h ondii e e nt o
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.
docum ent aleged t ans er ed orass gned; s l r f r i
ww
w.
St
LEHM AN BROTHERS BANK FSB di notOwn norpos es t d s s he
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X Ll ss. 726. 726. 101112.
Page14 of205 4
su re
Fr au d. co
CO UNT V . EXTRINSIC FRAUD
BROTHERS BANK FSB,consi i t tsol f war contact' s a; derng he t d or d r ,' upr 652.
653.
Fr audul Tr f wasdonei For onl nots t ent ans er n m y, ubsance;
The Secur tesand Exchange Com m i si docum ent a i at t ii s on s rtcul e he
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
s overt AURORA i butan il i f i ed fom whol c1 h,donef r on of et o s luson abrcat r e 0t or eas
d e i asAsi nti us d a prmaf ca e de ei or rt s i e es i ec pton, sgnme s e s i as i vi nc n de o how ntr t n

Pl ntf s pr ai i f oper y,w hi l l i r s er t a non- t t ch egaly s egi t ed o pary;
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
KORM AN vAURORA e/al .
w.
655. AURORA f i ed a docum entunders whi l abrcat eal ch acksa l egalf oundaton,s d i ai
St
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re
654.
Tr er ofPl ntf s debtf om LEH M A N B RO TI ER S BA N K FSB ansf ai if r I
clo
Page 145 of205
su re
Fr au d. co
par y yett be di cover buti s eone,ors e entt ot r t LEH M A N t o s ed, s om om iy he han
651.
ASSOCI ATES LAND TI TLE,l C handl t Cl i document f a N ed he osng s or
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 ,
Heroft esae wihcossa f s i a a i he tt, t t nd ee ,n n moun Tre off c de i j ta f i, t ir a t ems s us nd ar
ww
det i a Tr al erm ned t i .
w.
St
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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.
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
Com pl ntand i ai ncom or e s e her asi aleged anew . at am e f l 657.
Def endantLEHM AN BROTHERS BANK FSB i underBankr cy s upt
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.
AURORA pad (ilt s ofTe ( 0. f ravaua ea s two t i sc he um n $1 00) o l bl s e rh
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.
Pli ifpoi st 726.06( )Fl.Stt, a c ton pr c de t a antf nt o 1 1 a a .e ch ondii e e nt o
fndi ofFr i ng audul Tr eri pr enti CaseN O.09- 01 ent ansf s es n CA- 7057;except ,
660.
LEHM AN BROTHERS BAN K FSB di notown norpos esst d s he
docum ent aleged t ns er ed oras gned; s l ra f r si 661.

662.
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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 .
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Fr audul A ss gnm ent/Tr f i butan il on f brcat f om whol ent i ans er s lusi a i ed r e
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Page 147 of205
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COUN T V I . EXTRINSIC FR AUD
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
j udgme a i tAURORA, nt gans CEO TOM W l ofAURORA, RSCORP, RSO, e A X
LEHM AN BROTHERS BANK FSB,a THEODORE Scl ul zj ntyors ve al nd l x oi l e r ly

f Fr or audul Tr f done i For onl or Fr ent ans er n m y, audul Conveya done i For ent nce n m
ofAURORA and wih i put knowl t m ed edgeofM ERSCORP;fndi i t Af im atve, i ng n he fr i
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
A URORA t r ur a1 t r paym ent colect t Gr or,orHei oft esat o et n 1 he ent s l ed o ant r he t e.
wih c t a fes i a amot Tre off c de msi j ta f r dee mi d a t oss nd e ,n n mt ir a t e s us nd ai, tr ne t
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BROTHERS BAN K FSB aferSept t ember15t 2008 and up t ayearpror Or h o i ; der
op Fo
dam ages,compens or dam ages,gener damages,or/and punii dam ages; at y al tve
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,
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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
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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.
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
Compl nta i porae sam eher asi aleged a . ai nd ncor t e f l new

664.
Def endantAURORA i r er n ef ence t isr atons p wih t sPl ntf i o t el i hi t hi ai if s
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
i er tw ihi a R EM I ,hypot nt es t n C hecat t t D TC ; ed o he 665.
CEO TOM W I ofAURORA i usi Superor- owl ND s ng i c edget t o ake
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
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ad ntgeo t Cour s tm by s e f ( ERSO- f brcae As inme s t c t va a f he t yse ubtruge M a i td sg nt) o hea
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
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Page 149 of205
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Fr au d. co
CO UNT VI I. CIVIL CON SPI CY TO CO M M I LAR CENY RA T
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 I ofAURORA wasi Prviy wih al Pary si or st ND n i t t 1 t gnat y' o
CEO TOM W l e
ofAURORA m a cas fow paym ent t s d REW C ke h l s o ai
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
of A U RO RA know s or s houl know A U R O RA does d
LEHM AN BROTHERS BAN K FSB' debthasbeen s ited; S atsi
r ptofwrten r ecei it eques t do s to o.

671.
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
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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
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and s d LEHM AN XS TRUST M ORTGAGE PASShoul THROUGH CERTI CATES, FI
op Fo
and A U R OR A know s t st be t , t ef e hasr used t valdat s d debt af er hi o rue her or ef o i e ai t ,
re
670.
Pl ntf doesnotowe any m oney t LEHM AN BROTHERS BAN K FSB, ai if o
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Page 1 o 205 50 f
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673.
CEO TOM W l r
ofAURORA knows,ors d know,REM I asan houl C
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.
CE0 TOM W l ofAUROM knowsors d know l ng att e houl ooki he
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.
AURORA' a horz d a ntKa lW utc rLLP, lw Fim,( s S ut ie ge hr s he a a r mis)
H OLDI NGS I ' Exti i Fruda M alFr ud) NC '( rnsc a nd i a

676.
AURORA,and LEHM AN BROTHERS HOLD I S 1 C a e i Prviy NG N r n i t
677.
undert SERVI NG A GREEX NT;and, he CI
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undert TRU ST A GR EEM EN T;a he nd,
AURORA ,and LEHM AN BROTHERS H OLDI S l ar i Prviy NG NC e n i t
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i or Pl ntf 6 . t c r ntowne o hede i:LEHM AN BROTHERS nf m ai if . . he ur e . r ft bt s
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N OTE,LEHM AN BROTHERS HOLDI GS l i t l tknown Hol i DueN NC s he as der-n-
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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.
CEO TOM W I ofAURORA knows,ors d know ,REM I i a ND houl C s
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.
LEHM AN BROTHERS HOLDI NGS l di noti or Pl ntf ofa NC d nf m ai if
c nge ofCr diora r uie unde Fl i lw j 559. 5; ha e t s eq r d r orda a 71

680.
LEHM AN BROTHERS BAN K FSB i aSt s rawm an,Nom i nalLenderi n
nam e onl ab i to; y, nii 681.
Trus- tfcaesi exchange f Pl ntf sW etM ort tcerii t n or ai if gage- n;how e , Loa ver
682.
STRUCTURED ASSET SECURI ES CORPORATI di notconvey TI ON d
683.
STRU CTURED ASSET SECURI ES CORPORATI ,t TI ON he
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
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a 9- 5( )2) nd 31 a ( .
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Pl ntf s C l i D ocum ent f om ispar ' ai if os ngsr t ent ,
LEHM AN BROTHERS HOLD I S l m ay s ilbe i poss i of NG NC tl n esson
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Pl ntf s N O TE t t Trl t asr r ,because, ai if' o he ts , equi ed'
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Page 1 of205 52
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BROTHERS HOLDI GS l N NC asofNovem ber 15t 2006 t si or aton i not h hi nf m i s
678.
Ser ci Ri shel by AURORA i contoled by LEHM AN vi ng- ght d s r l
Ba nknl cy pr ecton Febnl y 9,2009. pt ot i ar 686.
Si or es t t Cont oli D ocum ent i r aton t t sFor gngnat i o he r lngs n el i o hi ei
Ur egit r l s e ed-nvest entcompu y,tted LEHM AN XS TRUST M ORTGA GE PA SSm il

TI RO U GH CERTI C A TES,SERI 2006-11 ar al banknz ,exceptA U R O RA ,t I FI ES e 1 pt he Ser cer w ih Super or Know l vi , t i edge know st st be t e. hi o nl 687.
A U R O RA and Tom W i us ng t rSuper or n ow l nd i hei i edge have devi ed a s
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
A U R O RA know s s d N on- yai part Benefci y l i ar acks t l he egalcapaciy t m ake a C l m ; t o ai
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.
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t As i /Convey/M odiyPli ifsNOTE;s ed bi Q'he eoata he or o sgn f antf e t Exhi t ' r t t c d; ,

Trus a/ a REM I no l t k/ C ongerexi t ;s s s o,
AURORA makesa Cl m knowi t e can notbe a competng Cl m . ai ng her i ai
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
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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
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685.
STRU CTURED ASSET SECURI ES CORPORATI fl f TI ON ied or
whi AURORA hasno l orequiabl i er t ot t t Ser ci rght of ch egal t e nt es , her han he vi ng i s

sai debt now w ilbecom e t Benefci y t sai debtby a cons m ctve decepton. d , l he i ar o d t i i 692.
Pl ntf hol i s a e V erii evi ai if ds ndi put bl f ed dence s how i Pl ntf sN O TE ng ai if
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.
THEODORE SCHU LTZ,a JOANN REI ,empl nd N oyeesofAURORA
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
il goten- n; l- t gai 695.
TI EO D O R E SCH U LTZ orJO A N N REI ,Cer i yi O f i s ofX RSO I N tf ng fcer
col abl assgned Pl ntf ' debtt AURORA wihoutexplnaton ast wher when or y i ai if s o t a i o e,
t r d i bar en of a r esent i t M ER S* pur t d A s gnorhad a he ecor s r ny epr aton hat por e si ny
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a hort t tkea a ton wihr pe tt Pli ifsNoell ut iy o a ny c i t es c o antf t s.
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
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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
Assgnor col abl as i i , or y s gned Pl ntf sdebtt AURORA,i Form onl ai if o n y;
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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
OF AURORA usng Superorc ow l i i edgehasdevi a sed
697.
Def endantAURORA i t Ser ci busnesssi 1999,er Pl ntf n he vi ng i nce go ai if
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
c elw o t ss j tmatr as a n hi ub ec te ' ,

698.
Pli ifhass f r d s t peofs ci Ra kee rng ij y; 1 antf ufe e ome y pe al c te i n ur al

t t Pl ntf m us s hat he ai if t how i w hatt St ut s f caly r r s he at e pecii l equies. The RI St ut and t ci lr edi f isvi aton ar t be CO at e he vi em es or t ol i eo lber l cons nl t ef ectt congr si i aly t ed o f he es onalpur e as br y pos oadl f m ul ed i t St t e.Sedi a.SPRI-v.Im rex Co. 473 US 479 or at n he aut m ,
699.
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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
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( 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.
Def enda M ERS* orM ERSCORP have been i t prvat r sr i nt n he i e egitaton
a s over Pl ntf sW etpr i or N o r ,w ih al isr ght,tte and i er t nd et ai if - om ss y- fE t 1t i il nt es
t ei t LEHM AN BROTI ERS HOLDI her n o I NGS I NC,asat e s e; nl al

701.
CEO TOM W l o
ofAURORA knowsPl ntf sm ont y M orgage ai if hl t
paym ent r ved by A U RO R A ,pai outby A U R O R A ,i notpai outt LEH M AN s ecei d s d o
BROTHERS BANK FSB;er CEO TOM W l go r
ofAURORA know LEHM AN
BR O TH ERS BA N K FSB hol neiherl d t egalnorequiabl i er ti s d debt t e nt es n ai ;

702.
A U RO R A etal,i a t ptng t per anenty depr ve Pl ntf ofpr . s tem i o m l i ai i f opery, t
a i an ongoi com l busnesspr i done i t nor alcour e ofisever nd s ng pt i actce, n he m s t yday

bus nesspr i , i actces'
fo whol c0h lc ngalga f rm e 1t a ki e l oundai n, e a prmaf ca e de ,i Frud' to us d s i as i vi nce s a ,

704.
AURORA TOM MqND M ERSCORP M ERSO LEHM AN BROTH ERS
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-
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Cour when t knew ,ors d haveknown,AURORA w asnevert Realparyse, hey houl he - t

i l er t ast e i no cr bl evi n- nt es , her s edi e dence t t cont a y. o he rr
KORMAN vAURORA e al f .
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B AN K FSB ,LEH M A N B R O TH ER S H OLD I G S I C,TH EO D O R E SCH U LTZ,and N N
op Fo
703.
CEO TOM W l c
re
ofAURORA know s,a f caed A s i entcr ed abri t sgnm eat
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
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
i hous ( -our e f brc tdprmaf ci e de et a quieilgotn- i whih n- e outs c d) a iae i as a vi nc o c r l- te gan; c
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
W H EREFORE,PREM ISES CO NSI DEQED ;Pl ntf diect t sCour f enty of ai if r s hi t or r
j udgme a i tDEFENDANT, nt gans AURORA, t t i e knowldgeo CEO wih he mputd e f
LEHM AN BROTHERS BANK FSB,TH EOD ORE SCHULTZ,and JOANN REI N
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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
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TOM W I ofA URORA,wih t i put know l ND t he m ed edgeofW RSCORP, M ER SO,
St
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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
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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
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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.
DEFENDAN T etal,al sand- and know ,Pl ntf sf ecl ur a . 1 t by ai if' or os e, nd
BROTM RS BA NK FSB aferSept ber 15t 2008 and up t ayearpri awar t em h o or; d
Pl ntf da ges aong wih c t a f es i a a ai if ma , l t oss nd e , n n mountTre off c de msi j t ir a t e s us

and f r det m i atTr al ai , er ned i .
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Page 1 o 205 58 f
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B or ow er evi r denced by an A s gnm entf om M ER S* as N om i f LEH M A N si r nee or
D EFEN D A N T' of al ilgoten- n w her A U RO RA hast S 1 l- t gai eby aken pr opert f om y r
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
C om pl nta i por t s e her asi aleged anew . ai nd ncor a e am e f l
708.
AURORA , TOM W I ,X RSCORP,M ERSO,LEHM AN BROTHERS ND
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
THR OU GH CERTI CATES,SERI 2006- hel ascolat alzed i er ti H ES 11, d l er i nt es n

M or gage Backed Secur tes;w her t ii eby, 709.
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.
Pl ntf sC l i D ocum ent t t Tnl t of LEH M A N X S TRU ST M O R TG A G E ai if os ngs o he see
PA SSTHROUGH CERTI CA TES,SERI 2006- pur uantt whatt Scr H ES 11, s o he een-
711.
D ocum ent t STRU CTU R ED A SSET SECU R I ES C O RPO RA TI N , so TI O
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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;
KORM AN vAURORA e . tal
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STRU C TU R ED A SSET SECU RI ES C O RPO RA TI N di notdelver TI O d i
re
Page 159 of 205
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STR U CTU RED A SSET SECU R I ES C O RPO R A TI N hypot TI O hecat ed
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CO UNT VI II. DO UBLE DIPPI G N
Pl ntf ' NOTE,asat' sal wih al ofisrght tte a i er tt et ai ifs t ue e, t l t i , il nd nt es her o
STRUCTURED ASSET SECURI ES CORPORATI J y 2006, t eafer TI ON ul her t
STRUCTU RED A SSET SECURI ES CORPORATI i exchange f DTC hel TI ON n or d

Trus- tfcat w ast delverPl ntf sM ort tcerii es o i ai if gage- n-iest LEHM AN X S Loa fl o TRU ST M ORTGAGE PA SSTHROU GH CERTI CATES,SERI 2006-11' FI ES s
Tm s ee,i t ts f t Tr t certf cat l ol hel i t nam e ofCED E & Co as t n rl t or he us - i i e- l der, d n he N om i f t D TC ; nee or he

71 3.
Com m i i m akes i cl LEH M A N BR O TH ERS B A N K FSB , LEH M A N ss on t ear
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
M ort gage,a s econd tm e i Doubl Di ng. i s e- ppi

71 4.
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i Duencours undercom or e contolofLEHM AN BROTHERS HOLD I S I C , e, at r NG N
pr i es consi ed,i cl l an atem ptt D oubl D i ng. em s der s ear y t o e- ppi
KORM AN vAURORA e a. tI
w.
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CORPORATI t colecton t saleged debt i r er ON o l hi l , n ef ence t Pl ntf sNOTEo ai if
A U R OR A appea i i Cour a i ast Realpar y-n- nt es /H ol r ng n t ctng he - t i l er t der-
op Fo
CORPORATI s d,asatue s e,a1 rght tte a i er toncehel t at r ON ol r al 1 i , il nd nt es d o hid
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clo
V er f ed C ont oli D ocum ent f l w ih t Securtes a Exchange ii r lngs ied t he ii nd
Page 160 of205
su re
Fr au d. co
BROTHERS HOLDI NGS l asseler'undert TRU ST AGREEM ENT, di sel NC l ' he d l
712.
LEHM AN BROTHERS BAN K FSB asorgi or' LEHM AN i nat ,'
W H EREFORE,PREM ISES CO NSI DERED ;Pl ntf diect t sCourtf ent of ai if r s hi or ry
j udgme a i tAURORA, nt gans CEO TOM W l ofAURORA, o AURORA BANK FSB,

C RSCORP M ERSO THEODORE SCHULTZ , J ANN REI ,LEHM AN O N
BROTHERS BANK FSB,and LEH M AN BROTHERS HOLD I NGS l C f at N or tempt ed

D oubl D i ng;fndi i t A f i atve,i w hol orpar ;aw a d Pl ntf s al e- ppi i ng n he frm i n e t r ai if peci
dam ages,Or AURORA t r ur al t r payment colect t Gr or orHei der o et n l he ent s l ed o ant , r
oft esae, t c t a f e ,i a a he tt wih oss nd e s n n mountTre off c de msi j ta f i, ir a t e s us nd ar
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Page 161 of205
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det m i atTr al er ned i.
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Fr au d. co
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
Com pl ntand i ai ncop or e s e her as i aleged anew . at am e f l 716.
Unde t l lt or ofl x Anasasana JJ<#,AURORA f r he ega he y e t i ound t be a o
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 ' ,
A s i entpr s gnm oduced by D ef endantA U R OR A as Exhi tA ' di cl es bi ' s os
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,
( . DOLU RS and ot rgoodand v uabl c i r i ' $1000) he al e onsde aton.'

71 9.
De e ntAURORA de ndi mor t nOne- 0/ 00 ( 80)i i e es f nda ma ng e ha 8 1 $1. n ntr t
Secton 687. Fl St . i 03 a. at 720.
ww
i er tbutl st nFour50 1 ( 4. i e e tpe ye r( knowi wha ot r nt es, es ha - / 00 $ 50) ntr s r a not ng t he
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 .
w.
St
pe ye r( knowi wha ot rgood a vaua ec i r toni)i Us ius s e r a not ng t he nd l bl onsde ai s s uro ; e
De e ntAURORA de ndi mor t 1 Two- 1 ( 2. i f nda ma ng e ha1 50/ 00 $ 50) n
op Fo
718.
Ca eNO. CA- 7057, gan algedl padE..t s O s 09- 01 a i le y i <. he um JTEN
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AURORA, As i eealge ypai <..t s o TEN ( 00)DOLM RS and as sgn le dl d i. he um f $10.
Page 1 of205 62
su re
Fr au d. co
CO UNT I . X U SURY
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;
687. Cri i us 071 m nal ury
( 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
( Nope s s l bee us d fom atndi a tsiyi orpr i 6) r on hal xc e r te ng nd e tf ng oducng
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
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( Noe enson ofc e tma i vi ai ofa oft pr sonsof 7) xt i r di de n olton ny he ovii

t ss i s lbe an enf ceabl debti t coursoft ssat hi ecton hal or e n he t hi t e.
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.
De e ntAURORA de ndi mor t nFour50 1 ( 4. i f nda ma ng e ha - / 00 $ 50) n
( $650, 00) orPli ifs l pa Fourr us nd000. , antf hal y rho a Two-l ed( 2 00)pe lundr $4,00. r
mont (ppr maey) prnci la i e e t f t ryye r ,whihcomest as h a oxi tl , i pa nd ntr s, or hit a s c o um

t alofEi ot ghtHundr Ei yed- ght seve Thousa TwonndHundr El ed- even 62/ 100
( $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.
Law di at Pl ntf saleged debti uns ed atbes ,consderng t ct es ai if l s ecur t i i he
break i t Chai ofte su a;and n he n- Til pr

724.
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
f m alwr ten r or it eques t do s to o.
W H EREFO RE,PREM ISES CON SI ERED ;Pl ntf diect t sCourtf ent of D ai if r s hi or ry
j me a i tAURORA, udg nt gans CEO TOM W l ofAURORA, o LEHM AN BROTHERS
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
w.
St
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ofis Cl m ,w hi h A U R O RA t dat w ilnotpr t ai c o e l oduce,orcan notpr oduce,af era t
re
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Pl i ifma bela et AURORA f Te ( 0. and ot rgood and antf y ibl o or n $1 00) he
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.
AURORA appear i Courts ng t f ecl e on whatAURORA knows sn eeki o or os
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
dee i j ta f i, tr neda Tra . ms s us nd ar dee mi t il
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Page 1 o 205 65 f
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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
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
Compl ntand i ai ncop or e same her asi aleged anew. at e f l

726.
A U R O RA aleged i acquied Pl ntf s Si H undr Fi yl t r ai if xed- ft Thousand
( $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.
D ebt LEH M A N BR O TH ERS B A N K FSB f l f B anknl cy or ied or pt
pr ecton t o m ont afer t s fr taf em entoned negotaton alegedl occur ed; ot i w hs t hi i s or i ii l y r
unabl t pay is debt w as i ol eo t s, ns ventbutw ascontnui i oper i i ng n aton;

729.
730.
A U R OR A i a i der s n nsi , '
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
w.
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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
or nar cour e ofbusi s by par i of i di y s nes tes ndependenti er t as, nt es s;
ofA U R OR A knew ,ors houl have know n t d he
re
A leged t a acton f Pl ntf sN OTE w asnotm ade i good f t i t l r ns i or ai if' n aih n he
Page166 of205
clo
728.
LEH M A N BR O TH ER S B A N K FSB att tm e oft snegota i i he i hi i ton s
su re
Fr au d. co
CO UNT X. CO NSTRU CTI FRAUD VE
LEHM AN BROTHERSBANK FSB,a J nd OANN REI j ntyors ve al f N oi l e r ly or
Consm ctveFr t i aud;fndi i t Afim a i i whol orpar,awar Pl ntf t f i ng n he fr tve, n e t d ai if he ace
val oft NOTE i tebl Or AURORA t r um al t r payment colect ue he n r e, der o et l he ent s l ed

t Gr or,orHei oft esat wih cossand f i an amot Treroff deem si o ant r he t e, t t ees, n mt i act s
j ta f i,dee mi da Tra . us nd ar tr ne t il
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w.
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(nt i l lf bl l entonaly e t ankl
clo
Pag 167 of205 e
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Fr au d. co
j me a i tAURORA, udg nt gans CEO TOM W l ofAURORA, X RSCORP, ERSO, c M
W H EREFO RE,PREM ISES CON SIDERED ;Pl ntf diect t sCour f enty of ai if r s hi t or r
732.
Pl nt f r alegesand af i m s each and ever pr ai if e- l fr y ecedi par aph oft s ng agr hi
Com pl ntand i por e s e her asi aleged a . ai ncor at am e f l new

733.
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.
D ebt LEH M A N B RO THER S BA N K FSB i i t m i tofa or s n he ds
B anknz cy cont por pt em aneous y w ih sai negotaton'and, l t d ii , 735. 736.

busi snes ,
LEH M A N BR O TH ERS BA N K FSB i i ol ,una e t pay is debt s ns vent bl o t s;

A leged t ansacton w asnotm ade i good f t i t or nar cours of l r i n aih n he di y e
737.
A leged t ansacton w asnotm ade i good f t by pa i of i l r i n aih rtes ndependent
i er t -as nt es s , ,
738.
A U R O RA i an i i ' s ns der,
739.
Te ( 0. , n $1 00) done be wee t pa te t tha a s ci lwor ng r a i hi t n wo ri s ha ve pe a ki eltons p
ww
( mpl ra e oye ,saConsr ci Fr ud. e oye nd mpl e) i tu tve a
w.
A ss gnm entexecut by i sem pl i ed t oyee,TH EO D O R SCH U LTZ w earng a M ER SO hat f i , or
St
CEO TOM W I ofAURORA knew ,ors d haveknown t ND houl he
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Page 1 of205 68
su re
s iExhi tH '' ee bi '
Fr au d. co
CO UNT XI. CON STRUCTIVE FR AUD
W H EREFO RE,PREM ISES CON SIDERED;Pl ntf diect t sCour f enty of ai if r s hi t or r
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
s ever l f Cons ructve Fr ud;tndi i t A f i m atve,i w hol orpart aw ar aly or t i a i ng n he fr i n e , d
Pl nt f t f val oft N O TE i t ebl Or A U RO R A t r um a1 t r ai if he ace ue he n r e, der o et l he ent
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
Tre off c de i j ta f r dee mi d a Tral ir a t ems s us nd ai, tr ne t i .
ww
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Page 1 of205 69
su re
Fr au d. co
740.
Pl ntf r alegesand a fr seach and ever pr ai if e- l f im y ecedi par a oft s ng agr ph hi

741.
i e t ij eorder ud a pe s n,s lbeguit ofaf ony oft ntnt o n ur fa ny r o hal ly el he
742.
The as gnm entexecut by D ef si ed endantJO A N N REI ,a t di ecton of N t he r i
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;
w.
St
Assgnmenti r ved by Publc' Regit rofDeedsasl pr i s ecei i s sra egal oof,
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t r degr puni habl as pr ded i s.775. hid ee, s e ovi n 082,s.775. 083,ors. 775. 084.
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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
Pag 170 of205 e
su re
Fr au d. co
COUN T XII. FO RG ER Y
745.
As ino LEHM AN BROTHERS BANK FSB prmaf ci s t ralis sg r i as a eove l t
rght tte and i er t ab i to,t LEHM AN BROTHERS HOLDI GS I i , il nt es , nii o N NC;

746.
t o year l ert s sa e af em entoned N O TE i bei r A ss gned t w s at hi m or i s ng e- i o
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
a J nd OANN REI j ntyors ve al f For r f onyoft t r deg e a r N,oi l e r ly or ge y, el he hid r e; wad

Pl ntf a Or agai tAURORA a aspunihmentpay Pl ntf Fi Thousa ai if n der ns nd s ai if vend
( 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
f c dee i j ta d f i, tr neda Tra. a t ms s us n ar dee mi t il
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W H EREFO RE,PREM ISES CO N SI ERED ;Pl ntf diect t sCourtf enty of D ai if r s hi or r
clo
Page 171 of205
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.
A ss gnm entf i ed f om w hol cl h w asdone w ih t i entt s ze i abr cat r e ot t he nt o ei
747.
Com pl ntand i por e s e her as i aleged anew . ai ncor at am e f l
748.
The assgnmentexecut by Def i ed enda THEODORE SCHULTZ, att nt he
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.
A s gnm enti recei by Publc' RegitarofDeedsasl pr , si s ved i s sr egal oof
pr opery; t
750,
A s i entf i ed fom whol cl h wasdone w ih t i entt s ze sgnm abrcat r e ot t he nt o ei
Pl i ifspr ryusng t f lf c a ef ctoft j tc s t m;howe r antf ope t i he ul or e nd fe he usie yse ve ,

751.
ww
752.
LEH M A N BR O THER S BA N K FSB , sai A s i enti af ger . See t Speci d sgnm s or y he al
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
Asi LEHM AN BROTHERS BANK FSB prmaf ci s t alrght sgnor i as a eover l i ,
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ates aton execut unders ,i ended t s t ti ed eal nt o how benef ci i er ti Pl ntf s i al nt es n ai if
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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
CO UNT XII I. FO RG ERY
017057,r pr ent by t Law Of i ofDA VI J.STERN P. .etal e- es ed he fces D A .
W H EQEFO QE,PREM ISES CONSIDERED ;Pl ntf diect t sCour f enty of ai if r s hi t or r
j me a i tAURORA,wih i t dknowl ofCEO TOM W I of udg nt gans t mpu e edge ND
AURORA,a THEODORE SCHULTZ, oi l ors ve al f For r f l oft nd j nty e r ly or ge y, eony he

t r degr awar Pl ntf an Or agai tAURORA and aspunihm entpay hid ee; d ai if der ns s
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
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f s i a amountTre off c de msi j ta f i,dee mi d a Tra . ee ,n n ir a t e s us nd ar tr ne t il
(nt ntonal If bl I e i ly e t ankl
re
Pl ntf ' N o lE - ort ai i f s M gage i w hi A U R O RA caus t be r ded,w ih cos sand n ch ed o ecor t t
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.
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Fr au d. co
As gnm entwasorgi l pr ent by AURORA ,asi' Exhi ti Cas NO .09- si i naly es ed ts bi n e CA
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
753.
Pl nt f r aleges a af im s each a ever pr ai if e- l nd fr nd y ecedi par ph oft s ng agra hi
Com pl nta i ai nd ncop or e s e her asi aleged anew . at am e f l

754.
Copy ofacopy ofPl ntf saleged Pr i or No rE fl w ih t Cl k ai if l onzss y- f ied t he er
oft Cour r c ve a prmaf ci e de e, riidt ea e c c ofPli ifs he t e ei d s i as a vi nc ce tfe nl nd xa t opy antf

genui NOTE,i Hear ay,wher i f i i aFor y,asAURORA conf est ne s s e n act t s ger ess he genui NOTE i m i i l t soln ordesr ne s ssng, os , t e toyed a com m encem e ;f t m or , t nt urher e
755.
AURORA' alge c py ofPli ifsge neNOTE co anst ( S le d o antf nui nt i wo 2)
pa numbe edt e ( , wih e or e nt a o wihoute s me s ges r hr e 3) one t nd s me s nd ne t ndore nt ;
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.
Pl ntf manti bot t epa snumbe e tze ( oft e ( c n ai if i ans h hes ge r d lr e 3) hr e 3) a

.
W H EREFOR E,PR EM ISES CONSI ERED ;Pl ntf diect t sCourtf enty of D ai if r s hi or r
j udgme a i tAURORA, nd CEO TOM W I ofAURORA j ntyors ver ly nt gans a ND oi l e al
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
publc r d i whi AURORA ca ed t be r ded, wih cossand f i an i ecor n ch us o ecor t t ees, n
amountTre off c de i j ta f r dee mi d a Tral ir a t ems s us nd ai, tr ne t i .

KORM AN vAURORA e al t . Page 1 of205 74
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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;
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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
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COUN T XIV. FO RG ER Y
757.
Pl ntf r alegesand afi seach and ever pr ai if e- l trm y ecedi par aph oft s ng agr hi

758.
Pl ntf di notknow att tm e,LEHM AN BROTHERS BAN K FSB ai if d he i
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
wa ( s )i or d a * unde sand t t Le rma tans rt sNot-' ea s mis nf me s * I r t hat he nde y r fe hi e 'M ns

s et ng ot t om hi her han,t N OTE i aleady t f r prort executon; he s r rans ered i o i
759. Pl nt f di notknow att tm e, LEHM AN BROTHERS BANK FSB ai if d he i
convered Pl ntf sNOTE f isper t ai if or t sonalus a beneft e nd i;

760.
ofisown m oney,orisdepost sm oney t acquie Pl ntf shome postc l i t t ior' o r ai if osng;

-
761.
Pl ntf di notknow LEHM AN BROTHERS BANK FSB cr ed t ai if d eat he
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
Pl ntf sN OTE; ai if'
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762.
St
ofPl nt f shom e pos - l i ai if t c os ng;
Pl ntf di notknow att tm e, nor i or ed aboutsecurtzaton of ai if d hat i nf m ii i
op Fo
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Pl ntf di notknow LEHM A N BROTHERS BAN K FSB di notus any ai if d d e
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Page 1 of2 75 05
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Fr au d. co
COUN T X V. FOR GERY
BANK FSB j ne wih LEHM AN BROTHERS HOLDI oi d t NGS I STRUCTURED NC,

ASSET SECURI ES CORPORATI ,LEH M AN XS TRU ST M ORTGAGE PASSTI ON THROU GH CERTI CATES,SERI 2006- ASSOCI FI ES 11, ATES LAND TI TLE l C and N
M ER S*f m ul ed a s or at chem e w her Pl ntf w as s eer i o an I eby ai if t ed nt nves m ent c ont act or t r , a l tPl ntf s N O TE w as us t f t l t eas ai i f ed o und he nvesm ent c ont act s t r chem e;
764.
Pl ntf di notknow t N O TE i t ea ed t sa e as a s ai i f d he s r t he m ecurt as iy,
Ari l j8- 02 oft U nior Com me ci lCode, fne a fna a as e , o m e n a tc e 1 he f m r a de i s i nci l s t t a
765.
Pl ntf di notknow att tm e,t afer s gni t Pr i s N o ' ai if d he i hat t i ng he om s ory- rE
if n avorofLEH M AN BROTHERS BANK FSB,by Speci -ndor em entconveyed s d all s ai
6 a t t or ro L t r our e.a , $ y o he de f'G hout ec s , s # wi

766.
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.
hypot hecat t t D TC w hi hol a s ed i er ti cert n pool N O TES,w her ed o he ch ds ecur nt es n ai ed eby
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 .
w.
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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
Pl ntf di notknow att tm e,Gr orsfnanci as eti uli at y ai if d he i ant ' i al s s tm el
op Fo
Pr i or N o r cont por om ss p rE, em aneousl conver ed t N O TE i o a com m er aldr t y t he nt ci af
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s iyecur t ,
Page 176 o 205 f
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Fr au d. co
Pr i or Nor asa Speci om ss y- fE, alDeposi,wher Def t eas endantLEHM AN BROTHERS
763.
Pl ntf w asti ai if rcked i o sgni whatwasundersood t be aM orgage a nt i ng t o t nd
bet een t sPl ntf and LEH M A N BR O TH ER S BA N K FSB ,w hi i udes t w hi ai i f ch ncl he
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.
'J o ge . i c mmitd whe a de ndant b aud orf ke y c e 'FJ r ry s o te n fe , yfr fc r , aus s
ano he t e ut aa dee o r torot rdocume whe et sgne i unawar , t r o xec e d ftus he nt r he i r s e
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
r ng t verfed TRUST AGREEM ENT,on fl wih t Securtesand Excha eadi he ii ie t he ii nge

Com m i i execut bef e Pl ntf s debtw as even a t ss on, ed or ai i f hought .
LA N D TI TLE I C ,f For y;aw ar Pl ntf r um oft N o TE- ort N or ger d ai if et he M gage,pl us
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c t a f e ,i a a ntTre off c dee i j ta f i, tr ne a Tra. oss nd e s n n mou ir a t ms s us nd ar dee mi d t il

COUN T XVI .
w.
j udgme a i tt De e ntLEHM AN BROTHERS BANK FSB orASSOCI nt gans he f nda ATES
St
W H EREFO RE,PREM ISES CON SIDERED,Pl ntf diect t sCour f enty of ai if r s hi t or r
op Fo
770.
LEHM AN BROTHERS BAN K FSB mem oralzed ist ue i entons ii t r nt i
re
Page 177 of205
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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.
Pl ntf w asunaw ar oft af em entoned m at i i ai i f e he or i r x ncop or i Pl ntf s atng ai if
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
C om pl ntand i ai ncop or e sam e her as i aleged anew . at e f l 772.
Def endantAURORA f l t s a wrten debtvaldaton notce wihi aied o end it i i i t n
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
( 2009) Ha i v.He s Nat Bank 657 F. 81 822 ( h Ci 1981) Zvldwe t , /c nder on . 2d 6, 6t r. ; i s

Sav. s< v.Ri r As n ve bendAs ocat s 72 F.Supp.661,661 ( M i 1989) s i e, 4 D. nn, .
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.
Br wik Cor v.J & F. nc.424F. 100,1 ( 0t Ci 1 uns c p. l , 2d 03 1 h r. 970)( ope t i pr ry n

c t algi a et s measi a t lposes i i wih a ofie oft cour) Any usodi e s r he a f cua s son s t n fc r he t.
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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
Cre k Power& De l e veopme Co.v.Cuter 79 Cob. V 245P.939 ( 926) nt l , J. 1 .
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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.
Appoi mentofar c v put a1t pr ry s j c t t r c ve s p nt e eier s l he ope t ub e t o he e ei r hi
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j608. 4492;j61 1 7.432;a j607.432Fl Stt ( 009) s eas j28U. C. 4 nd 1 a. a. 2 ; e lo S. 75
Page 1 of205 78
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Fr au d. co
VI LATION O F FAIR D EBT COLLECTION PRA CTICES A CT O
f Valdaton,underTil 15 U . C.1692g,Secton 809,byway ofa Cerii Leter or i i te S. i tfed t

Ret n- ecei - equest ur R ptR ed;
777.
D ef enda A U R O R A eiherr us or w as unabl t valdat t aleged nt t ef ed, e o i e he l
debt t eafer, ; her t
778.
D ef endantA U R O R A contnued cali w ih aut at debtcolecton i lng t om ed l i
t c l,i vi ai of1 U. C.1 92g,j809( . ype als n olton 5 S. 6 b)

779.
Pl ntf i o me t c le t)ofvi ai a ii fom s i d bt ai if nf r d he alrs oltons rsng r ad e
780.
D ef endantA U RO R A ' Thid- t D ebtcolect i or ed Pl ntf no S r par y- l ors nf m ai i f
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' ,
debt butcontnued t m ake a om at colecton t cals; , i o ut ed l i ype l
783.
ww
t aut di ed calsf om AURORA ; ype o- al l r
KORM AN vAURORA e l ta .
w.
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782.
D ef endantAU RO R A eiher r used,orw asunabl t valdat t aleged t ef e o i e he l
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.
Pl ntf m aied a second r ai if l equestf Valdaton a a Do NotCal Leter or i i nd l t
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Page 179 of205
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Fr au d. co
776.
Pl ntf on ors l aferAprl1 t 2008m aied t AURORA a r ai if horty t i 7h l o equest
775.
A U R O RA i a Thi d- y- ebt colect i r f ence t Judi alTr t s r part D - l or n e er o ci us ee.
f i ii i i udesbutnotlm ied t a Soci Securt Num ber'but or dentfcaton ncl i t o al iy , , 785.
each calerf om AURORA r us t pr l i iy t s vesby us l r ef es o opery dentf hem el e
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.
Def ntAURORA i demandi m oney i excessofwhati acm aly enda s ng n s l
788.
D ef endantA U RO R A has eiher r us t or i una e t V aldat sai t ef ed o, s bl o i e d
debt s 15 U SC 1 ; ee 692g;
789.
dat i or t gener e addii es n der o at tonall e f at ees.
oi l e r ly or j udgmentagans AURORA, it CEO TOM W l ofAURORA,j ntyors ve al f r

vi aton oft FAI DEBT COLLECTI PRACTI ol i he R ON CES ACT,a srctlabiiy ti i lt
ww
St tze;a r Pl ntf One- hous nd ( , 00)wih c t a d f es i a a at wa d ai if t r r a $1000. t oss n e ,n n mount
Tre offctde i j ta f r dee mi d a Tral ir a ems s us nd ai, tr ne t i .
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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
Def endantAURORA fequenty wih- d Pl ntf spaym entpas due r l t hel ai if t
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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
i or aton overt t ephonet verf t Pl ntf i tul t t get part r nf m i he el o iy he ai if s r y he ar ed y, eques t
784.
s d t ephone colecton calsr r Pl ntf t dicl eper onal ai el l i l equie ai if o s os s
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 R A r ved a D O N O T C A LL l t and a r ecei eter eques f a copy of t or
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.
A U R OR A as a Thi d- y- ebt colect know sor s r part D - l or houl have known d
cali Pl ntf af err vi a D O N O T C A LL l t r i a vi aton ofTELEPH O N E lng ai i f t ecei ng ete s ol i CO N SU M ER PR O TECTI N A C T. O
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
j udgme a i tAURORA,CEO TOM W l ofAURORA,j nty ors ve al f nt gans r oi l e r ly or

vi aton oft TELEPH O N E C O N SU M ER PRO TEC TI N A C T,a s r ctlabiiy ol i he O t i i lt
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
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Tre offc de msi j ta f r dee mi da Tral ir a t e s us nd ai, tr ne t i .
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Pag 181 of205 e
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Fr au d. co
COUN T XVII. VIOLATION O F TELEPH O NE CON SUM ER PR O TECTI N A CT O
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.
Def endantAURORA hasr t and contnuest r tun- ii epored, i o epor verfed
i or ton t t t e maorr pori a e is Equia Ex ra a Tr ns on; nf mai o he hr e j e tng g nce , f x, pe in nd a uni
A U R OR A t valdat t debti alegest Ser ce; o i e he t l o vi 796. 797.
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
unii 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.
ea hmont yr por as pa aea ditnc vi ai tme t e ( . c hl e t e r t nd si t olton,i s hr e 3)
j udgme a ns AURORA, nt gai t CEO TOM W l ofAURORA,j ntyors ve al f e oi l e r ly or

vi a i ofTHE FAI CRED I REPORTI ACT,asrctla lt St m t aw a d olton R T NG ti ibiiy a e; r
ww
Pl i ifOne- ous nd ( , 00)f ea hun- rfedmont yr por,fld wihea h antf n a $1000. or c ve ii hl e t ie t c
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
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St
op Fo
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795.
Pl ntf over t pas t ee year hasr ai if he t hr s eques ed,m or t n once f t e ha or
Fr au d. co
CO UN T XV I . II VIO LA TI N O F TH E FAIR CREDIT REPO RTING A CT O
799.
Compl ntand i ai ncop or e same her asi aleged a . at e f l new
18 U . C .1341:Fr S. auds and s i es; w ndl
800.
Law Of i ofDA VI J.STERN P. . DAVI JAX S STERN Esquie, fces D A , D r
MI STY ALLEN BA R N ES Es r K AR OL S.PI CE Es r and CA SSA N D R A M . qui e, ER qui e,
pr entng A U RO R A ,know s or s es i houl know ,A U R O RA l d acksSt ng t f ecl e,er andi o or os go
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
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know i y,or s ngl houl have know n,ab i to,s 57. 05 Fl St ; d nii ee 1 a. at
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R A CI E- I A U D Esquie,eiherf l t lsPendens ori pr ecutng s e,r N R G r t ied he i s os i am e-
op Fo
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Page 183 of 205
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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.
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CO UNT XI . X M A IL FR A UD
801.
Law O f i ofD A V I J.STER N P. . D A V I J W S STERN Esqui e, f ces D A, D A r
MI STY A LLEN BA RN ES Esquie,K A RO L S.PI r ERCE Esquie,and C A SSA N D RA r
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.
Law O f i ofD A V I J.STER N P. . D A V I JA M ES STERN Esqui e, f ces D A, D r
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.
Pr ofenf cem entr ghtcom esf om A U RO R A caus ng JOA N N R EI oof or i r i N
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
A s gnm ent fom whol c1 h f pur esofltgaton;t si sr e 0t or pos ii i hen,

804.
atached,delver by U . Pos alSer ce,Cer i i M ai N o. 7107 8381 6540 8248 8745; t i ed S. t vi tf ed l ,
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A U RO RA of er Pl ntf t H A M P pr am ,s S f ed ai i f he ogr ee t bi N ' her o Exhi t ' et
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A U R O RA i w ihoutSt ng t s s t andi o ue;
Page184 of205
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Fr au d. co
you wilmakeae afo dabl mont ypa nt onyourmorgagel A rag a l w, f r e hl yme s t oan f
ti pe fd.fyou maket epa e ss c sful andfu@ l al Fr/lPe id Pl rcl ro I hos ym nt uc e s l y l l f ro an

c dons wewil r ondi , lpe mane l ?l / yourm o t gel ' nt z/#(y y ' rga oan.'
806.
Thi af i i af ementoned quot i af s sat entoff ,and was s frmatve or i e s al e t em act
807.
AURORA hasno i ento ofa yi t s * . w, f dabl m ont y nt in ppl ng he e %.ne afor e hl
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.
TralPe i Pl pa nts madebyPli ifwilbetke f t i rod an yme t) antf l a n or he
e usvebe fta e j xcl i ne i nd n oyme ofAURORA' botom-i or/a AURORA' nt S t lne, nd S

par ,nott r ser benefci y,nori paym entappled agai tPl ntf sNOTEent he egit ed i ar s i ns ai if
M or gage bal t ance,as t i pled as um pton f he m i s i ound i t quot above s n he e ugges s. t
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,
w.
St
A UR O R A can notm odiy Pl ntf sM orgage Loan as A U R OR A ,and f ai if t
op Fo
ofAURORA knowsors d know AURORA l houl acksBenefci i al
re
Page 1 of205 85
clo
su re
known t be f s sat entatt tme s d sat entwasm ade;as, o ale t em he i ai t em
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.
AURORA etal,hasdevied a sc e wher AURORA faudul l . s hem eby r enty
enr chi A U RO R A etal;beca e, i ng . us
811.
AURORA has s n i t gam e' and AURORA l t ki n he no ' ackst l he egal
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
r e nce t t s i t m a t ' ef re o hi ns ant t er , 815.
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.
w.
St
Law Of i ofDAV I J.STERN P. ,D AVI J C S STERN Es r fces D A. D A quie,
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
w ih al s t l upportng docum ent and r um s e t t 1 Fi m di ecty,r es i i s, et am o hat aw r r l epr entng
AURORA ,whi s vesLEHM AN BROTHERS HOLDI GS I ;f t ch er N NC. urhennor e,

81 7.
'Tf?ei o hee s nc . or wilnotpolp/zeo s nend f e l ur ' ?l s ft s e e Aur a l f l r us or cos e
pr e di , y,whiei waisyour#efe. o c ee lan mod6c oc e ngs /ca lt t lv r fa ompltd o y adon
818.
AURORA ,CEO TOM W l r
81 9.
H A M P bei a gover ents ng nm pons ed pr am A U R O RA act i accor w ih or ogr sn d t
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
uncover t f aud,butl ed he r ooked t ot w ay,i l e ofanot payhe her n ur her day.
Law Of i ofDAVI J.STERN P. . DAVI JAM ES STERN Esquie,M I fces D A, D r STY
ww
A LLEN BA R N ES Es r K AR OL S.PI CE Es r and CA SSA N D RA M . qui e, ER qui e,
RACI RI NE- GAUD Es uie,oi l ors ve al f M alFr ud. q r j nty e r ly or i a

KORM AN vAURORA e a . /l Page 1 of205 87
w.
j udgme a i tAURORA,CEO TOM W l ofAURORA wih i e knowldge, nt gans r t mputd e
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
applcadon-'m nhasi J##e#1See i i ' e s t bi M 'her o atached,M ai Fr Exhi t ' et t l aud;becaus e,

ofAURORA and Kalr W ut cherLLP zl s
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.
M ai r ved by Pl ntf f om K al lW ut cherLLP pr di Pl ntf w ih l ecei ai if r u' s ovi ng ai i f t
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
C om pl ntand i ai ncop ora e s e her as i aleged a . t am e f l new

822. asf l s: olow
The c i ofwie f a i c fe a 1 U. C.j 1 43, nd r a ,i pa t rme r r ud s odii d t 8 S. 3 a e ds n r
year orbot s, h.
823.
Purua t Ne v.Unie St e ( U. 1,23,de i d i 1999) t s nt o der t d at s 527 S. cde n ,he
alge mir pr s nt ton t s le d se e e ai o uppor ac ci under1 U. C.j 1 mus be a t onviton 8 S. 343 t
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
( )de s o i e t de s as he ora tfc t defa a he pe s n ont 1 vie, r nt nd o vie, c me riie o r ud not r r o he
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
m at i m i r es aton'a m i r esent i i m at i i i i capabl of er al s epr ent i , s epr aton s er al f t s e
op Fo
re
fned notmor t n $1000, ori prs d notm or t n 30 i e ha , 000 m ione e ha
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
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.
AU R O R A and Pl ntf no l ai if ongerhave a nexus, s nce J 5t 2008,and i a s i une h
m aterofpublcr d,whi hasneverbeen diput t i ecor ch s ed.

826.
E aCh i er st e t ephone cals f om A U R O RA , snce J 5t 2008, nt - at el l r i une h
dem andi m oney or pr ng opery f om Pl ntf ,m oney orpr t r ai i f oper y i w hi A U R OR A t n- ch

hasno l egalenf ceabl rghtt i a s or e i o, s epar e A ctofW i e Fr at r aud.
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,
j nty o s r lyf W ieFr ud. oi l r eve al or r a
ww
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.
Pr iesconsi ed,AURORA pr endi t be t Realpary-n-nt es em s der et ng o he - t i l er t
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
l s by cr i of a ar ii and t avoi payi t Count s Tr f Taxes; aw eaton n tfce o d ng he y' ans er
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.
oyi o legaly ze ai if oper y, and ot s t M ERS* or i em pl ng M ER SO t il l sei Pl ntf s pr s her
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.
r c pt i a t gi n ye r ofope ain;s e 1 U. C.j225. e ei s n ny wo ve a s r to e 8 S.

834.
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;
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
< RS* M em berscan lt aly r d a benefci i er ti any t get ier l ecor i al nt es n ar ed
op Fo
re
Page 190 of205
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
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.
H ad M ERs* notf i ed a col a eA s gnm enti Cas NO .09abrcat or bl si n e CA-
017057,For os epr ecl ur oceedi coul notcom m ence agai tt sPl ntf ; ng d ns hi ai if
837.
TheLaw Ofi ofD AVI J.STERN P. .etal,s ved Pl ntf fces D A . er ai if
pl ngswih t i entofdeprvi Pl ntf ofpr t f lt ed excl i y by t eadi t he nt i ng ai if opery, aciiat usvel he

f i i ofa M ERS*A s gnm ent abr caton si ;
838.
The Law O f i ofD A V I J.STER N P. .etal,m aied pl ngs t t f ces D A . l eadi o he
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.
l r A gar 8-1 77338-.g,U . Banknl cy Cour ,Easem Di ti of n e d, 01 e S. pt t t srct
Ne Yor Ce r lllp ( 1 2011 ,heHonor bl J w k nta si 2- 0- ) t a e udgeGr s nwr e. os ma ot

GThi Cour doesnotacce t ar s t pt he gum entt becauseM ERs m ay hat
ww
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
w oul nothave pai t I One- l d d he RS l undred-
835.
H ad M ERs* notf i ed abogusAssgnmenti CaseN O.07abrcat i n 80998-
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.
M ER s* as N om i , i actng as an agentofispr nci ,f lm ied nee s i t i pal or i t
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.
l t scas M ERS m ay cl m ,asNom i f Lender t i wasgr ed t n hi e ai nee or , hat t ant he
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
w.
St
843.
t s l guage i f hi mz s ound i t M or gage undert s i tted E RA N SFER n he t he ecton il T
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
a h rz t asi nt o rg ge t alge a nc uto ie he sgnme s fmota ,he le d qe y
* 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
< RS@.
845.
Thepr e i notwhehert Borowerc n ob e tt t As inee ' oblm s t he r a j c o he sg s
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
f ecl a s lt Pr or ose nd el he opert y.
848.
Thege r lngua *t t an ccf r quie o heLe r ne al a ge .o ake y /oa e r d ft nde
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.
alenaton ofa m orgage i notan adm i s r i act i i t s ni t atve .
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
Alenatng a M orgage abs s fc aut i i i voi ast i i t ent pecii horzaton s d, he
op Fo
re
847.
The onl s f c r ght e y peci i i s num er ed i t M orgage i t rghtt at n he t s he i o
clo
doesnotconvey t M ERS* t s fc rghtt A s i t M orgage,nort NOTE. o he pecii i o sgn he t he
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.
B or ow er acknow l ng and cons i t M ER S@ actng as N om i of r edgi entng o i nee
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
ofPl ntf ai if , 851.
M ERSCORPj ne wih M ERS*ha f ie t pr deisM e r lga oi d t s ald o ovi t mbe s e l
r our t ens e pr es ces o ur operadm i sra i and delvery ofl nit ton i egaldocum ent s; 852.
M ERs* hasf l t esabls and mai ai adequat i em alcontol,and aied o t ih nt n e nt r s
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
alo be assgned,whi i notdone,biur i t NOTE fom t M orgage. s i ch s f catng he r he t
a condui tlough whi i i atemptng t com m i an ActofLar t lr ch t s t i o t ceny and i a atem pt sn t

atD oubl D i ng; e- ppi
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?
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.
an ActAURORA coul notaccom pls i notf t arii ofM ERSO d ih f or he ttce
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.
M ERSCORPj ne wihM ERS*hasf ie t e ciea o it oi d t ald o xer s ppr prae
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.
us di f t r nceofisob e tve ; antf hassa ng a t ij e pa t oft s e n urhea t j ci s Pli if t ndi s he n ur d ry hi

s cheme,even i t us oft mai orwiesi i dent and di notdiecty caus t f he e he l r s nci al d r l e he
ij y.SeeBrdeev. n ur i Phoe xBond &l m niv Co.1 S.Ct 21 ( ni nde t ,28 . 31 2008) .
W H EREFORE,PREM ISES CONSI DERED ;Pl ntf diect t sCourtf ent y of ai if r s hi or r
RACKETEER I FLUENCED AND CORRUPT ORGANI TI ;fndi i t N ZA ON i ng n he

A f im atve,di gor t e D ef fr i s ge hes endant s ofal il goten- n w her A U R O RA has ' l l- t gai eby
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
de msi j ta f i, tr ne a Tra. e s us nd ar dee mi d t i l
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
acua da ge unde 1 U. C.jj 1 a 1 c t l ma s r 8 S. 962 nd 964, ompe aor da ns t y mage ,g ne a s e rl
op Fo
t aken pr opert fom Bonowerevi yr denced by an A s gnm entfom M ERSOasNom i si r nee
re
clo
j me a i tM ERSCORP, ndM ERS*j i l ors ve al f ope ai of udg nt gans a o nty e r ly or rton
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
858.
Pl ntf r aleges a af im s each a ever precedi par a oft s ai if e- l nd fr nd y ng agr ph hi
C om pl nta i por t s e her asi aleged a ai nd ncor a e am e f l new .
859.
AURORA a t lw fr Ka lW utc rLLP ha j nty a nd he a im hr s he ve oi l nd
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-
AURORA hasconf s i i noti poss i oft genui NOTE,i i es ed t s n esson he ne ts
865.
ww
AURORA knowst ,ors d know s e; hat houl am
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.
A U RO R A a t l f r K ahr W ut cherLLP know ,or s nd he aw i m l s houl have d
Fr au d. co
COUNT XXII FR AUDULENT I NDU CEM EN T
867.
M oni accept by AURORA durng t smodii i perod go rghtt es ed i hi fcaton i i o
AURORA ' botom lne,ast debti aleged t be i def t S t i he s l o n aul;

868.
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869.
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m ade,and CEO ofAURORA know st s,ors d haveknown. hi houl

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866.
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j udgmenta i tAURORA, gans CEO TOM W l ofAURORA wih i e knowldge, r t mputd e

f Fr udul l or a ent nducem ent fndi i t A f i atve,aw ar Pl ntf r um oft ; i ng n he frm i d ai if et he
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
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Sttsi lyt gr ae maort ofHome owne st tc y wih a l aitcal he e tr j iy r ha ompl t l
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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.
ofAURORA and isnamed empl t oyeeshave
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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. ,
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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
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Blc sLaw Ditona y( hed. a k' ci r 8t 2004)pg 1 488
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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)
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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-
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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
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econom i actviy,causi anot t beneftw ihoutpayi ort s f wihout c it ng her o i t ng o ufer t com pens i - A l o aton. s
KORM AN v AURORA e al t . Page 210 of225
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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
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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
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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
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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
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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
Blc sLaw Ditona y ( t e 2004) pa 1 a k' c i r 8h d. , ge 757.

Federal R eserve- ot N e; The papercur ency i cicul i i t U nied St es .The not a e i ued by t r n r aton n he t at . es r ss he Feder Res ve Banks ar ef ectvel non-nt es - rng pr i or not payabl t al er , e f i y i er tbea i om ss y es eo
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
Bl c sLa Di tona y ( h e 200 pg 1 6. a k' w c i r 8t d. 4) 61
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
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Page 211 of225
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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
notmadeunde oah a aenots j c t r se mi ton. d. Evi 802. e r t nd r ub e t oc os -xa nai Fe R. d. Rul

803 pr des23 explci exceptonst t hears r e,r dl ofwhet t out ovi it i o he ay ul egar ess her he of cour decl a i avaiabl t t tf and Rul 804 pr desfve m or exceptonsf - t ar nt s l e o esiy, e ovi i e i or
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
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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
e e rs apori oft ta ntp ie, ton ha mountbeng s b e td t t rs oft e e ie .l i u j ce o he iks he ntprs . n

s an ar angem ent t i t t caly doesnotr ve t r ghtt exer s cont ol uch r , he nves or ypi l ecei he i o ci e r
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.
66S. .11 11 ( 946) Blc sLa Ditona y( he 2 Ct 00, 03 1 . a k' w ci r 8t d. 004)pg2422.

A n i t entcont actt cam e t m ean a cont actors nves m r hus o r chem e f t he pl ng of or d t aci capialor l ng outof m oney i a w ay i ended t secur i t ayi n nt o e ncom e orpr i f om is oft r t em pl ent' St e v.Gopher Ti e t Rubber Co. 1 M i 52,56,1 N . .937, oym .' at r t , 46 nn. 77 W 938.Thi defnii w asuni or l appled by s at cour st a varet of s t i s i ton f my i te t o iy iuatons w her i vi s w er 1 t i tm oney i a com m on ent pr s w ih t e ndi dual e ed o nves n er i e t he expect i t t w oul eal a pr i s el tuough t ef or soft pr ot or of aton hat hey d . n oft ol y l he f t he om er s e one ot t n t s ves. om her ha hem el L egalT ender;
L ender;
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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
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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 Anast ana; ex asi
Blc sLa Ditonay ( t e 2004)pg 28 a k' w ci r 8h d. 93.
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
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M edi O fExchange; um
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
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t paym entofadebtort peror ance ofadut and t twilbecom evoi upon he he f m y ha l d
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3.Oforr atng t anam e ort m <anom i defnii el i o er nal i ton>.- nom i l adv. naly,
Blc sLa Ditonay ( t e 2004)pg 3321. a k' w ci r 8h d.
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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-'
No lE - ort M gage; Pr i or N O TE and M or gage i t um ent om ss y t ns r .
sr ctr a whos prma y o e tvei t obti moneytzoug ilga a tviis tu tle nd e i r bj ci s o an lr h le l ci te .

Such gr oupsm ai ai t rpos ton t ough t us ofact ort eat nt n hei ii hr he e ual e ened vi ence, ol conuptpublc of i al ,gr t or ext i and gener l have a si f canti pacton i fci s af , orton, aly gnii m t peopl i t r l es,r on,ort count y asa w hol he e n hei ocal egi he r 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
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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
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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
not bilofexc ngeorc uepa bl eihe t or rort beae . t r a ej t e, l ha heq ya e t r o de o rr So,he e r us

t eet hr ypesofnegotabl i tum ent s asprom i ory not bilof i e nsr s uch ss e, l
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 )
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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
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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
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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
pos cosng:a trt ta a ton ( osngli e c ed.Pos- osngltr lyme ns t l i fe he r ns ci cl i s xe ut tcl i ie al a

af ercl i t os ng.
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
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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.
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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.
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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()
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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
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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
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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.
Speci allndors ent em ;
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
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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
-
ot r s i r s i e.Blc sLaw Ditona y ( t e 200 pg4456. he wie mpe misbl a k' ci r 8h d. 4)
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.
r se e .A s urt i hedby abr ri sr e na ( tt c t rsr ue t t egitr d. ec iy s l oke n te t me a he usome ' eq s) o

si plf t adi beca e no s gnat e on t sock certf cat i r r A s r nam e m iy r ng us i ur he t i i e s equied. t eet m ay al o be used f securtespur s or ii chas on m ar n.The w or ds r ' i t st m i a ed gi d it eet' n hi er s
r e e t W alSte tBl k' La Dito r ( t e 2004)pg4458. efr nce o l r e . ac s w cina y 8h d.

Superi K nowl oredge;See KN OW LEDGE s uperi know l or edge. now l K edge gr ert n t had by anot pers es s ast eat ha hat her on, p. o o adver y af ectt per on <i is f aud cl m ,t s sel f hat s n t r ai he ubcont act aleged t t r or l hat he
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 '
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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
t r eva f c.W ha t adeci tcua'a t t i ofE he el nt a t t he j tve a t l dds o he dea knowldge'i e s

unce r'Da d G. ti e al,Ba pty j7- 7, t51 ( 993) la . vi Epsen t . nknl c ' 2 a 61 .
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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
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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
be fcir ( s s Conta t 18 1 . JS.Conta t j602. ne i a y. Ca e : r cs 7( ) C.. r cs 1
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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'
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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
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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
Blc sLa Dito r ( t e 2004)pg4667. a k' w cinay 8h d.
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.
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Blc sLa Ditona y( h e 2004)pg 2424. a k' w ci r 8t d.

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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.
uni or r td asociton. nc po ae s a i Howe r s j iditonsma r uieami mum ve , ome urs c i y eq r ni
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 .
Blc sLa Dito r ( t e 2004)pg483 a k' w cinay 8h d. 4

W arehous Lender; eA Ine ofcredi extnded by afnanci i tt i t a l orgi or i t e i al nsiuton o oan i nat t f a m or gage t ta bonow er i taly us t buy a pr o und t ha nii l ed o opery.The l t caly t oan ypi l l t f om t tm e i i or gi ed t w hen t l i s d i o t s as s r he i t s i nat o he oan s ol nt he econdar m ar , y ket w het diecty ort ough a s ii i her r l hr ecur tzaton.
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docum ent r r t bedelver t t Cust an pur uantt t Agr ent s equied o i ed o he odi s o he eem .
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G- ERAL O:JECTI :NONS
Au or ob e t t t I tro aore t t e e t n t y r q ie d s ls r o r a j os o he n er g t is o h x e t he e u r ico u e f

a t r clentcom m uni tons ora t ey wor pr t to ney- i ca i tom k oduc .
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dii nt i r by Aur a f t i or a i r lge nquiy or or he nf m ton equesed. The Ans er ar ba ed upon t w s e s
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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
Pr edur t r vi e, c r t add t or cl rf t A ns s whe a i addii oc es o e s orec o a iy he wer n nd f tonal

i or a i com est isa t i nf m ton o t tenton.
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
o jcin, ehe o no a sre heen,ot us ofteAn wesi t sa to b e to wh t r r t setd ri t he e h s r n hi cin.
A ur a does not w a ve a prvie or i uniy fom dl cl ur , i udi or i ny i l ge mm t r s os e ncl ng,
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
doc rne,whih may a t ch t t i or aton r ponsve t t I er oga ores ti c ta o he nf m i es i o he nt r t i .

ANSW ERS
l a dto t t Ge e a Ob e to s a t P e i na y S a e n whih a e n d ii n o he n r l j c in nd he r lmi r tt me : c r

i pomt by r e ence i o e h of t Ans e s s t f t bel , A ur a f t r ncor ed ef r nt ac he w r e orh ow or urhe r pondst t cor es es o he r pondi y num ber I e r t i a f l ngl ed nt roga ores, s olows:
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.
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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
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I NTERRO G ATO RI ES
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Ar you t not hol r e he e de ? AN SW ER : Ye s
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
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ANSW ER :
6.
To t bes ofyouru owl dge,who i t not hol ? he t e s he e der
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.
Do you r ecogni e t he ei atac l tera es e t z he r n t hed e t ddr s d o

M i hae Co o l hn A w o bac & Col .P. . r h m A 2600 M ccor i k Drve,Stie 100 m c i lt Cl wa e ,FL 33759 ear t r
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( u e f rAu o aLoa Se vc s Co ns l o r r n r ie )
ANSW ER;
Ce tfed M ai #7007 2560 0002 4034 8569 rii l
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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
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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 .
a yhn usi dt lc ofr po s o y rpat n tigj tie he a k es n e n ou r?

AN SW ER :
N o. The l t di notca lf a r s e. eter d l or e pons
etp e b o eaino lw, r u l p l y ta tef t no Aum'Lo nSM cs so p d y p rt fa o p bi oi h th x i f r a a e e o c c mc o

whih wa o c e o d u rti h rl mot gela (haa trz d)< s ben c s n e mplye nde hs een rga -o n c r ce ie ig a
t r i t d?' e m na e '
AN SW ER ope a i ofIw orpublcpolcy, r ton a l i
11 I Aur a Loan Ser ceslc ed t op- t a bus nes i Fl i . s or vi iens o e i s n or da?
I your ans e i ye you ar t i iy doc ne s pur uant t t t f w r s s, e o dentf ul nt s o ha

aut iy. hort
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Aur a Loan Ser c i a wholy o d s i a y ofLehm a Br he s or vles s l wne ubsdir n ot r
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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
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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.
1 3. You a e t i iy t per on w or ng f Aur a Loa Ser c t r o dentf he s ki or or n vies hat
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 :
Not ng ot t n whati saedi t N oi ofFe alTa Li hi htr ha s tt n he tce der x en.
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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
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I THE SUPR EM E C OU R T 0 F FLO R I A N D CA SE N O . 09-1460 :
IN R E :A M E N D M EN TS T O R U L ES O F CI L PRO CEDURE AND FO RM S FO R USE VI W I H R U L ES O F C I I PR O C ED U R E T V L
C O M M EN TS O F TH E FLO R I A BA N K ER S A SSO C I TIO N D A
The Fl i Banker A s aton t orda s soci i hanks t s Honor e Cour f t hi abl t or he
Supr e Cour Tas For on ResdentalM ort em t k ce i i gage For os e Cases. ecl ur
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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
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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
ef ectve lw pr des be tr s t ntve pr ecton agai t una horzed f i a ovi te ubs a i ot i ns ut i
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
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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
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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
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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
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DCA 2003) Elcr c so a i amos uni r al a knowldge a s f r m ore . e toni tr ge s l t ve s ly c e d s ae,

efi ent and l s expensve t fci es i han mai ai ng t orgi s i har copy,whi nt ni he i nal n d ch bea s t concom iant coss of physi i r he t t cal ndexi , ar vi a m ai ai ng ng chi ng nd nt ni
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s iy. l i a sandar i t i ty and becom i t benchm ar ecurt t s t d n he ndusr ng he k
ef i ency acr t spect um ofcom m er f ci oss he r ce i udi t courts t ncl ng he ys em .
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
ma 'o t be tof(hesg ng r c dc t a s knowldgea bei 'wilnot de ' he s t ini e or usodin'l t e nd lef' l

r ol t need t esabls t l tdocum ent es ve he o t ih he os
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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
The pr s f r esabls ent of a l t or desr oces or e- t ihm os toyed i t nsm
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
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f t t el ent a pl ntf m us pr i or t enf ce an obl orh he em s ai if t ove n der o or i gaton f whi i or ch
i doesnothavet orgi i t m ent t he i nal nsnl :

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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
b)Thel sofpose son wa nott r s tofata frb t pe s or os ssi s he e ul r nse y he ron

al awfuls zlr a ei le; nd
c t pe s c nnot r a o bl o an pos e so of t i tu nt ) he r on a e s na y bt i s s in he nsr me
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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
.
Once t pl ntf has pl d and proved t f he ai if ea he oregoi , t r i an addii ng he e s tonal
J ci r r ent udi al equiem ' .
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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
t fnalj me sa i t t t t e e a oblgain oft not i ltr he i udg nt ttng ha o he xtnt ny i to he e s ae
dee no t ha be n e i s d by me ge i o t fna j me ,t med t o ve e xtnguihe r r nt he i l udg nt he
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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
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A per on not i poss i of an i t um ent i entted t enf ce t s n ess on ns r s il o or he i t m enti: ns nl f
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
wilass t cl m . The orgi oblgorhasno labiiy. l ert hat ai i nal i i lt
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.
Any pary s ki t f ecl a m orgage wihout a good f t belef t ee ng o or ose t t aih i

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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
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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
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1. REQUIUNG W RI CATI I I FI ON OF RESI DENTI AL M ORTGAGE
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
Fl i Rul of Ci l Pr orda e vi ocedur 1 110. I st i i whi verfcaton of e n iuatons n ch ii i

.
com pl nt orpettons i esabls ai s ii s t ihed as a t es d r r ent f pur ng an hr hol equiem or sui

acton,t r r enti i posed by t l s atze. Se eg. j702. 0, a. a . i hat equi em sm he egi l tr e, . , 1 Fl Stt
(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
.
t es d f access t court , t l s a r m us exer s is polcy- aki hr hol or o s he egil m e t cie t i m ng

aut iy. hort
The onl ot r e of ci lpr y her ul vi ocedur whih i e c mpos t dut t ve iy a es he y o rf
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
.
afi vis c tt t t e de e s fda t onsiue he vi nc uppori t r que t d tmpor r ijmcin t he e se e a y n l to ng
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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
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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
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condii pr ton ecedentt acces t cours t exceeds t procedur scope of t o s o t hat he al he
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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
Cas . Howeve i appear t i t ur t fnd pew ways t addr st crss es r, t s hat n he ge o i o es he ii

f ng m ort aci gagor and m ort s gagees as w el as t cour s t l he t ys em t Tas For k ce , he
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
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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.
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NOTI OF ASSI CE GNM ENT.SALE OR TRANSFER 0 1 SEI3'CI RI 7 tiS NG GHTS

J0HN J KORMAN 934 S W 21ST WAY BocA M TON , FLORIDA 33486
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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
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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
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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
Bank D eposi - H ow They Expand or Contr ts ae

Letus assum e t expansi i t m oney st i desied by t Feder Reser t hat on n he ock s r he al ve o
t ough pur hr chases ofsecurtes i t open m ar .Paymentf t securtes adds t ii n he ket or he ii o
ban r er e Suc pu c s ( s es ar c l ' en mar e op a i s' k es v s. h r ha es and al ) e al ' ed op k t er ton . '
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
Yor buys$10, ofTr k, 000 easur bisfom a deal i U.S.gover y l r l er n nmentsecurtes.3)I ii t n
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
t mai ai r vesequalt onl afactonoft rdeposis.Reseres i exces oft s o nt n eser o y r i hei t v n s hi

am ountmay be used t i ease ear ng asset -l o ncr ni s oans and i nvest ent Unused or m s. excess r er ear no i er .Undercurentr atons,t r v r r ent es ves n nt est r egul i he eser e equiem agai m os tansacton account i 10 per .s)Assum i f si i t a uni m nst tr i ss centt ng, or mpl y, ci f or 1 per 0 centr ve r r entagai altansacton deposis,and f eser equiem nst I r i t udherassum i ng t aI banks atem ptt r ai f l i hat I t o em n ul nvest we can now tace t pr y ed, r he ocess of expansi i deposis whi can t pl on t basi oft addionalr ves on n t ch ake ace he s he t i eser pr ded by t Feder Reser Syst ' pur ovi he al ve em s chase ofU.S.gover nmentsecurtes. ii The expansi pr on ocess m ay orm ay notbegi wih Bank A,dependi on whatt n t ng he deal does wih t m oney r ved fom t sal ofsecurtes.I t deal er t he ecei r he e ii f he er
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
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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
r eie asdep i .I t y di t i,n ad ton mon y woud b cr t W h ti yl ec v ost f he d hs o di al e s i l e ea ed. h

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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.
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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
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: 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
Ibli . h ee teewa $ .mio i 19 a d$ .mio i 19.back i i e T e xmpIvl s 34 l nn 9 1 n 36 l nn 9 2 a is t l i i
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
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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 , ;
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l s r uie agans new de is(t1 .). 1000 es :eq rd i t post a 0 .. ,

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(: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
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J m J Ko n oi . nna 934 SW 21 tW a s y BocaR a om FL 33486 t
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
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ma tr n i l fr a isl wye sa eno de c ldor ,a t si nota a tm ptt c l t te . s aw lm nd t a r r t bt ole s nd hi s n te o olec
W erp e e t o' Lo n S r ie LLC CA= r' i c r cinw11 h a o en me e rs n Am'l a e vc s a a' n ome to 1 t e b v - a d ) 1
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 .
Wepe o syd ne y u alg io sa dd cie t a cp y u d ma dsrlt t rviul e id o r le a n n eln d o ce t o r e n eai o nq
I you a e i t r t d i a yi f a l n m odi a i pl as co pl e BOTH t f r n e ese n ppl ng or oa Ec ton, e e m et he
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.
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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 .
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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
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111111 111111 111111
71 8381 654 8268 8745 07 0

October 1 , 20 10 9
e
3-704-52357-* 03726-001 -1-000- 0-000-000 *
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 -
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form (RMA) and addendum Full completed and sl y gned IRS form 4506-T (Request for Transcrlpt
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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
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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
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a) For a11 borrows - A coDy of yourles. lnclud:ng Scbedulegned f most recentl fll sl y ed ederal tax relurn wltb a11 scbedu
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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
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b) For each borrower who recelves a salary or hourqy Wages - Coples
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
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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 ..
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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' .
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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-
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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
Exhi tN,pg 2 of5 bi
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be malldd to yu after you lndlcate your lnterest JY thls Forecloiure
Fr au d. co
(.. k;. . ?; : .
Loan Number 0039153879
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
.
Program, eontact uA as soon as poss1bl . To help speed the process 1t e
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-- .
.
* I ormat1 aqout any '$ cl Mar hl you are suff 1 nf on nan al ds p er ng

. .
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 .
H owever, you Nust t ke t .fl .st b eonta ng us t y) rc at he. rst ep y ctl o ee
You may also:Wrste fo Ms lt tMe address at the to: of thlsrlefter. Be .
toll free at 866-924-3857 between the Mours of 8 a. ET and 1 p.m.t m. 4 %T.
I OR MP TANT NOTI - We Want t hei you 4v91 f cl CE o p d ore osure scams.
* BeWare o' any person or organl zall that as Yoq t paV a fe l on ks o e n
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
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used for that purpose. Howe ver, lf you are ln bankruptcy or recelved
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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
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*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:
Beware of Foreelosure Re scue Scams.
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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
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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
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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
Important Notlce Concdrn lng Cred lt Sureau Reportlng Related to the
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
status of your loan as contractuallv dellnquent durlng the Plan perlod.

NOTE : Thls means that the records of the credlt bureaus mav reflect 1he reoavment status of vour l oan as contractuallv dellncuent durlna
t Pl n Derl even lf vou wer makl o the Davments r 6e a od e n ecul ed bv r
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
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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-
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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
lf -ine Pl ls not s an uccessfuli co eted, or 1 a fl y mpl f nal modl catl ls fl on
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,
DearJ m J.Kor an: ol m
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
d b c l cin n i lt rrso d t y u u tldcmmu cto sp iotdyd tdJ l 1, et ol to . set ep n s o o r nie o niain u re l ae uy 2 e e t

201 a J y 1 ,2 0 c pi sofwhih ar i l de he e f you c nve e e. 0 nd ul 9 01 , o e c e nc u d r or r o nlnc
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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
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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
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na oft c r n o n roft d ti : hma Br t r Hol n I 745 S e t Ave. 7 h me he ure t w e he eb s Le n o he s di gs nc. ev n h ,t Fl ,Nkw Yor N Y 1 oor k, 0019.
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r er ef enced l accpuntand pr rt s ectt applcabl sat and f alI . oan ope y, ubl o i ete eder aw Due t t na ur ofyourcomm uni i ,we sr y r om m end t you cons tw ih o he t e catons tongl ec hat ul t a l a a t ne a ou you ho e l n rgh s o i ton a la lte .I y a r a y ha I ga oc l tor y b t r m oa i t , blga i s nd i biiis f ou le d ve e l c ns r pr e tn you pl a e pr de t i c nt c i f ma i n s t t f rhe . ou el e es n i g , es ovi he r o a t n or to o ha u t r c omm unia i nsc n be s n d r c l t t a i di i l c to a e t ie ty o h t n v dua .
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John Kor man 934 SW 21 W ay B oca Rat Fl i 33486 on or da
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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
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Expl anat on ofSecuri i i i t zat on

I roduct on nt i
Richard Kessler
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
c e t sofhetanse ori tt i o byt tuse i t e ntofba upty.Bybeng r dior t r fr nsiuton r he r t e n he ve nkr c ( i

'bankr cy- ot 't val t i t s oft ilqui asset i i ' upt rem e' he ue o nves or he li d s s ncreased and i t nves ors
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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
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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 .
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I m edi el lqui e an ilqui assetsuch asa 30 yearm ort m at y i dat li d gage.
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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
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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 ,
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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.
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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
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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
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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
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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
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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
Pr pe t Vaue and Ta Re e s andHo GcGotHe e f e l e homeowne sa epr j c e t o ry l s x v nue , w r ,or cos d r r oe td o

l e $71 bilon due t f ecos ec ii,whieneihbor will e $32 bilon,a sa e a l al os li o or l ur rss l g s l os li nd t t nd oc go r e swill e$917m iloni pr pe t t xr v ve nm nt l os li n o ry a e enue.
W hati a Securi i i s t zat on?
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,
t n an i ome oft QS i ' s d t ough' a t r f e no t a e untlt i o e he y nc he PE s pas e hr ' nd, he e or , t ax bl i he nc m

reac t hol oft REMI al known as benefci es oft REM I t us , hes he ders he C, so i ari he Cr t
equiabl i er i t securtzed morgages Theref e,any servi w ho aleges t t are,or t e nt est n he ii t . or cer l hat hey t t have t rght or have been assgned t rght t cai t t ar t agentf t hat hey he i , i he i , o l m hat hey e he or he hol of t not f pur der he e or poses ofsu ndi t bri an acton off ng o ng i orecl osure,ar s atng a l e t i egal i possbiiy.Any ar ent cont ni such an alegaton w oul be a f se asserton.Ofcours m i lt gum ai ng l i d al i e, t i exac l whatt s vi ofa s ii m ort hat s ty he er cer ecurtzed gaget i purpor ed t be i def tcl m s. hat s t o n aul ai
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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.
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Ac or ngl t t us e ,t QSPE,and t o he pari s vii t t us,hav n lgalor c di y, he r t e he he t r tes er cng he r t e o e
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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
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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
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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
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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
r c v as c dprncpalamoun an i e etpa eeie pe fe i i t d ntrs yment.REMI r ul i e et a ete e a s C eg ar ntr ss r ratd s
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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
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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
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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.
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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
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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
c pl t s esbe wee t par i a m us be a c pls w ihi t t ee m ont tm e lm i om e e al t n he tes nd t c om i hed t n he hr h i i t

purchase and sal and,consequenty t not m us be endor f e, l he e t sed rom one entiy t another.Any t o
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
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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
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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
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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.
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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
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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
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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
i s s a bond t t i ves or ; de m r -i c r ii a e ,The bond i s s dif r nt cas es of s ue o he n t s ben e lke e tfc t s s ue fe e l s

The certfcat enttest certfcat purc ii e il he ii e haser t ceru i su t repeat s ent ofcash fow o n ed, ed egm s l pai by t t t The cer ii e hol d he rus . tfcat ders do not hol f actonal undi ded i eres i t d r i , vi nt t n he m or gages l t t . ns ead,eac t he i entt e to an i ii segm ent poolofm oney payabl i h ranc s il d dentfed, ed en hi gherprom i r e ofr ur becaus i has a hi sed at et n et gher rsk t a s ort anche.Anot t i han eni r her ranche exitst paysi erest butdoesnotpay outpri pal s hat nt , nci .
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
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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
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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.
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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
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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 .
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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
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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
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c r ii at s c l d t a he . e tfc e , ale r nc s
f t ivesm e . swa a c ihe by a ng o e tves2- t t ls alea r e r dt or he n t nt Thi s c ompls d ddi bj ci 11 o he it r dy efr e o
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
c edior oft t a f r i tt i orb t t useei t e ntof nkr c ( beng r t s he r ns e or ns iuton y he r t n he ve ba upty. By i

'bankr cy- ot 't val t i f upt rem e' he ue o nvest s oft ilqui asset i i or he li d s s ncreased and i nvest ors
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
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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
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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 .
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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
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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
above,show n agai bel : n ow
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
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. .
Debt Mor qagor oet t )
No- H@M*e
N@* M*l de
1. ORI NATOR.The Tr ns ci t s plc bet en t de or ( ta ) a t GI a a ton ake a e we he bt morg gor nd he
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.
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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.
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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.
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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
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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 .
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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
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3. Defnesthedif entcl i fer assesofi tm entsecurtes,and nves ii

4. I caled t M ast Poolng and Servi ng Agreem ent s l he er i ci .
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.
TheIs r Theis ri or ni d a aS calPur s Ve ce (PV) apa svec s ue . s ue s ga ze s pe i po e hil S ; s i ondui t t t o he

i tors. i nves The ssuer i ssuesthe securtest t i tor and c l t paym entf the i t ii o he nves s olec s rom nves ors. Thepaym ent f t i s rom he nvest sar t ans err t ough t under rt t t t ansf or. or e r f ed hr he w ier o he r er
The QSPE.The morga porf lo i c ey fom t is r t t c lt r lpoolwhih i t ge toi s onv ed r he s ue o he ola e a c s
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
aret axed att i vi l . he ndi dual evel
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
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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.
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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
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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
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* 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 !
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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.
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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.
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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
W eli fc, u hatanserne e oc u s Eihe t i t c s ,o t pari whosaet tt y l,n a ts c r f v r c r. t r hats he a e r he tes t t ha he

have a ri t f ght o orecl e on a s ii not are notbei t hf w hen t pr os ecurtzed e ng rut ul hey esentt sel hem ves
ast realpart i i erest he y n nt .
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
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DAVI J. D STERN P. ; A.DAVI J D AW S STERN ESQ;KAROL S PI ERCE ESQ;

CASSANDM RACI RI NE- GAUD ESQ; I BARNES ESQ;J l Do 1- 1 M STY om e 00,

ASSOCI ON ;PM IM ORTGAGE I ATI NSUM N CE Co;STEW ART TI TLE

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Unders d TRU ST A GREEX NT AURORA know s,ors ai houl have d

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Af em entoned un-ecor Assgnm entwasem pl or i r ded i oyed by AURORA as

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Case 9:11-cv-81163-DMM Document 1 Entered on FLSD Docket 10/19/2011 Page 10 of 99

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desi i AURORA ast s eA ssgnee snceorgi i i hel astue, gnatng he ol i i i naton; f d r

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