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wIuLt A. Bennett
P.O. Box 540
SusunvI!!e, CA 96130
In Pvo Pev



IN TH S\PRIOR CO\RT OI TH STAT OI CAIIIORNIA
IOR TH CO\NTY OI IASSN



NORMAN W. AIIN,

P!uIntIII,
vs.

S\MMIT IINANCIAI GRO\P:
ANA CAPITOI CORP.: STV WICH:
RO HOSIIK: WIGHT A. BNNTT:
J\ITH A. ST. JOHN: WIISHIR CRIT
CORP.: VANS APPRAISAI SRVICS,
INC.: und OS 1-10

eIendunts.
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!ond Cnso o.: 456?9
(ConsoIIdnfod wIfh Cnso o. 50324)
(!oInfod Cnsos os. 46l90 & V4932?
|AppoIInfo Cnso o. C0653?9])

IIIAT/C!OSS-IIIAT &
IA!TY I ITI!IST; WICHT A.
IIITT`S

O\ITABI COMPIAINT TO
O\IT TITI TO RAI
PROPRTY: und

IRA\INT ACO\ISITION OI
TITI:


NORMAN W. AIIN,

P!uIntIII,
vs.

T.. SRVIC COMPANY: WIIS IARGO
BANK, N.A. us Tvustee Iov tLe MIMI Tvust
SevIes 2005-H3: und OS 1-10,

eIendunts,
WII IARGO BANK, N. A., us Tvustee Iov
MIMI Tvust SevIes 2005-H3: und BAC
HOM IOANS SRVICING, IP, u Texus
!ImIted uvtnevsLI, suessov by mevuev
to WI!sLIve CvedIt CovovutIon,

Cvoss-Com!uInunts,
vs.

NORMAN W. AIIN: WIGHT A.
BNNTT:
J\ITH A. ST. JOHN: VANS APPRAISAI
SRVICS INC.: und ROS 1-10,

Cvoss-eIendunts,



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AN AII OTHR CROSS - ACTIONS )
)



P!uIntIII om!uIns und Iov uuses oI utIon und u!!eues us Io!!ows:

I. INANTS
1. IInInfIff Is Informod nnd boIIovos nnd bnsod fhoroon nIIogos ofondnnf
WoIIs Inrgo Innk, . A., (horoInnffor, WII) ns Trusfoo, on bohnIf fho OpfIon Ono
Morfgngo Trusf 2005-3, nnd Indonfuro Trusfoo for fho CorfIfIcnfo HoIdors of
M.!.M.I. Assof-Inckod Trusf SocurIfIos, SorIos 2005-HI3, WIfhouf !ocourso.
(WII) Is, nnd nf nII fImos horoIn monfIonod wns, n busInoss onfIfv of unknown
form. IInInfIff Is Informod nnd boIIovos nnd bnsod fhoroon nIIogos fhnf WI!!S
IA!CO IAK .A. Is n dIvIsIon of WoIIs Inrgo & Compnnv Inc. (horoInnffor, WoIIs
Inrgo.). Insod upon InformnfIon nnd boIIof, WII wns formorIv n sopnrnfo
corpornfo onfIfv known ns orwosf Innk MInnosofn .A.., fhnf morgod wIfh WoIIs
Inrgo nnd bocnmo n dIvIsIon of WoIIs Inrgo. Thus, WoIIs Inrgo nnd WII nro ono
nnd fho snmo nnd WoIIs Inrgo Is IInbIo for nnv nnd nII of WII`s conducf nIIogod
horoIn. IInInfIff horoInnffor dIfforonfInfos fho fwo ns WoIIs Inrgo docopfIvoIv
dIfforonfInfod bofwoon fho fwo onfIfIos whon donIIng wIfh IInInfIff.
2. IInInfIff Is Informod nnd boIIovos nnd bnsod fhoroon nIIogos ofondnnf
IAC Homo !onns SorvIcIng, !I, (IAC) Is n Toxns IImIfod pnrfnorshIp, succossor bv
morgor fo WIIshIro CrodIf CorpornfIon, (horoInnffor WIIshIro) n ovndn CorpornfIon
hondqunrforod In Ionvorfon, Orogon Is nnd wns nf nII fImos monfIonod horoIn n
whoIIv ownod subsIdInrv of fho MorrIII !vnch CorpornfIon,(horoInnffor MorrIII) n
oInwnro CorpornfIon. Thus, WIIshIro nnd MorrIII !vnch nro ono nnd fho snmo nnd
Thus, IAC, WIIshIro nnd MorrIII !vnch & Co., nro ono nnd fho snmo nnd IAC Is
IInbIo for nnv nnd nII of WIIshIro`s nnd MorrIII`s conducf nIIogod horoIn. IInInfIff
horoInnffor dIfforonfInfos fho fhroo ns IAC docopfIvoIv dIfforonfInfod bofwoon fho

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fhroo onfIfIos whon donIIng wIfh IInInfIff.
3. IInInfIff Is Informod nnd boIIovos nnd bnsod fhoroon nIIogos ofondnnf
T.. SorvIco Compnnv, (HoroInnffor TS) nnd nf nII fImos horoIn monfIonod, wns n
CorpornfIon orgnnIzod nnd oxIsfIng undor fho Inws of fho Sfnfo of CnIIfornIn wIfh
prIncIpIo offIcos Iocnfod nf I.O. Iox ll988, l820 IIrsf Sf. SuIfo 2l0 In fho CIfv of
Snnfn Ann, Counfv of Ornngo.
4. IInInfIff Ionnoff Is Ignornnf of fho fruo nnmos nnd cnpncIfIos of
dofondnnfs suod horoIn ns OIS I fhrough X, IncIusIvo, nnd fhoroforo suos fhoso
dofondnnfs bv such fIcfIfIous nnmos. IInInfIff Ionnoff wIII nmond fhIs compInInf fo
nIIogo fhoIr fruo nnmos nnd cnpncIfIos whon nscorfnInod.

II. COMPIAINT
IIRST CA\S oI ACTION:
O\IT TITI

IInInfIff Incorpornfos horoIn bv roforonco fho nIIognfIons mndo In pnrngrnphs
l fhrough 4, IncIusIvo, ns fhough fuIIv sof forfh horoIn.
5. IInInfIff Ionnoff Is Informod nnd boIIovos nnd fhoroon nIIogos fhnf, nf
nII fImos horoIn monfIonod, onch of fho dofondnnfs suod horoIn wns fho ngonf nnd
ompIovoo of onch of fho romnInIng dofondnnfs nnd wns nf nII fImos ncfIng wIfhIn fho
purposo nnd scopo of such ngoncv nnd ompIovmonf.
6. IInInfIff Ionnoff Is nof nnd nf nII fImos horoIn monfIonod wns nof fho
ownor nnd/or onfIfIod fo possossIon of fho proporfv ofhor fhnn In oquIfnbIo Inforosf
In fho nmounf of $95,000.00 + or (fo bo provon nf frInI) nnd ns fo uso of fho
oxIsfIng rIghf of wnv for Ingross nnd ogross Iocnfod nf; 695-?25 Hwv. 36 W moro
formnIIv known ns AI 099-260-?0-ll.(AIIon proporfv) A true and correct copy oI the
legal property description is attached hereto as Exhibit 'A.
On or nbouf JuIv l5, 2004 Sfovon WoIch n Ionn ngonf nnd !od HosIIvk n Ionn
brokor nnd fho prIncIpIo ownor of SummIf IInnncInI Croup Inc., Inducod IInInfIff fo
procood In undorfnkIng n dIvIsIon of proporfv bv corfIfIcnfo of compIInnco. WoIch

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nnd fhon HosIIvk woro Infroducod fo IInInfIff fhrough JudIfh A. Sf. John nnd
fnIsoIv prosonfod fhomsoIvos ns IIconsod CnIIfornIn !onn Irokors nnd furfhor
roprosonfod HosIIvk ns fho CIO of fho woII-rospocfod nnfIonwIdo socurIfIos nnd
IondIng brokor of fho snmo nnmo. IInInfIff fo hIs hnrm wns fo dIscovor much Infor
fhnf HosIIvk`s SummIf IInnncInI Croup Inc., wns nn nIfor-ogo onfIfv nof formod or
rogIsforod In nnv sfnfo. !oprosonfod ns nn InfIuonfInI Iondor HosIIvk nccompnnIod
WoIch fo IInInfIff`s 54.03 proporfv whoro ho confIrmod WoIch`s fhoorv fhnf fho
subsfnnfIvo Improvomonfs fo IInInfIff`s Innd woro on nn n l4.03 ncro sogmonf fhnf
couId bo sopnrnfod. Iurfhor, fhnf proporfIos In oxcoss of l5 ncros woro vorv dIffIcuIf
If nof ImpossIbIo fo fInnnco, nnd for IInInfIff, boIng nIrondv qunIIfIod rofInnnco of
fho l4.03 ncros wIfh Improvomonfs wouId bo n sImpIo mnffor, ncfunIIv gunrnnfood
bv hIm. urIng fho corfIfIcnfo of compIInnco procoduro WoIch nskod IInInfIff
Ionnoff for fho phono numbor of fho fompornrv !nsson Counfv Survovor, JIm Iddv
osfonsIbIv fo onsuro fhnf IognI Ingross nnd ogross bv rIghf of wnv wns provIdod fo
fho 40 ncro romnIndor.
IInInfIff hns Ionrnod from opposIng CounsoI Jorrv IIckorIng fhnf no such
rIghf of wnv oxIsfs. IInInfIff Ionnoff hns usod fho oxIsfIng rIghf of wnv noforIousIv
sInco Mnrch 2002 nnd hns pnId moro fhnn $4,000.00 In proporfv fnxos sInco 2005 on
fho l4 ncros Mr. AIIon wns Inducod fo buv nnd IInInfIff Ionnoff forcod fo soII
ngnInsf hIs wIshos. IInInfIff hns usod nII of fho l4 ncros nnd mnInfnInod fho foncIng
fhoroon sInco 2002. ow IInInfIff wIII bocomo InndIockod upon forocIosuro of AIIon`s
Innd bv n hosfIIo onfIfv (WII) fhnf nssorfs fIfIo wIfhouf IognI documonfnfIon, sooks
domInIon nnd fIfIo fo IInInfIff`s proporfv ns woII cInImIng fo bo fho succossor In
Inforosf (wIfhouf IognI proof) fo fho prodnforv Iondor nnd Ifs ngonfs fhnf InsfIgnfod
fho curronf IognI onfnngIomonf.
?. IInInfIff Ionnoff Is nnd nf nII fImos horoIn monfIonod wns fho ownor
nnd/or onfIfIod fo possossIon of fho ndjnconf proporfv Iocnfod nf; 695-?25 Hwv. 36 W
moro formnIIv known ns AI 099-260-69-ll.(fho Ionnoff proporfv) A true and correct
copy oI the legal property description is attached hereto as Exhibit 'B.


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De[endunt'o cluim to title io uhollv [ruudulent.
8. IInInfIff Is Informod nnd boIIovos nnd fhoroupon nIIogos fhnf WII, nnd
fho dofondnnfs onch of fhom, cInIms n I!A!!!AT Inforosf In fho proporfv
ndvorso fo pInInfIff horoIn. Howovor, fho cInIms ns IrIncIpIos In Inforosf of snId
ofondnnfs nro wIfhouf nnv rIghf whnfsoovor, nnd snId ofondnnfs hnvo no IognI or
oquIfnbIo rIghf, cInIm, or Inforosf In snId proporfv.

De[endunt'o [ruudulent ucto hute clouded the title.

9. IInInfIff Is Informod nnd boIIovos nnd fhoroupon nIIogos fhnf fho
frnuduIonf ncfs bv ofondnnfs joInfIv nnd sovornIIv, nnd fho ngonfs, hIroIIngs,
ompIovoos, nnd prIncIpIos of onch nnd nII of snId ofondnnfs ns sof forfh In fho
Socond Cnuso of AcfIon horoIn fo foIIow; hnvo cronfod nnd cnusod n cIoud upon fho
IognI, oquIfnbIo nnd offIcInIIv rocordod fIfIos of bofh proporfIos doscrIbod nbovo.
l0. IInInfIff Is Informod nnd boIIovos nnd fhoroupon nIIogos fhnf fhoso
obsfrucfIons, cIouds, nnd/or frnuduIonf frnnsfors now rocordod wIfh fho Counfv of
!nsson, !ocordors OffIco nnd porpofrnfod bv ofondnnf or fhoIr hIros; nro nn nffnck,
hIndrnnco nnd fInw upon IInInfIff`s rIghffuI nnd IognI fIfIo fo hIs foo ownorshIp nnd
ronI oquIfv In fho snmo, nf prosonf nnd for IInInfIff`s fufuro bonofIf of ownorshIp.

"Suhotitute Truotee" recorded the Notice o[ De[uult und Election to
Sell, uithout otundin und prior to hein ouhotituted in uo truotee.

ll. IInInfIff Is Informod nnd boIIovos nnd fhoroupon nIIogos fhnf fho
IIA!!T A I!ICTIO TO SI!!, Insfrumonf o. 09-598? rocordod Ocfobor
2l, 2009 bv T. . SorvIco Co.,(TS) ns Trusfoo, In fho !nsson Counfv !ocordor`s
OffIco I!IO! fo fho SubsfIfufIon of Trusfoo, fo TS, bv WII on ocombor 30, 2009
(Insfrumonf o. 2009-0?282). TS rocordod fho ofIco of ofnuIf nnd IIocfIon fo
soII ns Trusfoo, ?0 dnvs boforo bocomIng Trusfoo. Thus, TS wns nof fho duIv
nppoInfod frusfoo undor fho ood of Trusf whon If oxocufod fho ofIco on Ocfobor

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2l, 2009. Tho ex focie frnuduIonf ofIco of ofnuIf Is voId on Ifs fnco. Iurfhor, fho
purporfod SubsfIfufIon of Trusfoo wns oxocufod bv purporfod AufhorIzod Agonfs for
WIIshIro In MInnosofn on Ocfobor l9, 2009 nnd fho purporfod ofnrIznfIon of snId
documonf occurrod on ovombor 3, 2009, l5 dnvs Infor (n vIoInfIon of MInnosofn
ofnrv Inw roquIrIng pnrfIos prosonco boforo ofnrv nf sIgnIng), fhIs nofnrIzod
subsfIfufIon of Trusfoo wns mnIIod wIfh AffIdnvIf of MnIIIng on ocombor 28, 2009,
from Ornngo Counfv, CnIIfornIn. Tho SubsfIfufIon 0f Trusfoo fo TS wns rocordod
on ocombor 30, 20l0 whIIo fho ofIco of ofnuIf nnd IIocfIon fo SoII wns
rocordod by TS on Ocfobor 2l, 2009 ?0 dnvs onrIIor. The Notice was wrongfuI nnd
Impropor bocnuso TS dId nof hnvo fho IognI rIghf fo ncf ns frusfoo undor fho ood
of Trusf.TS wns nof fho Trusfoo of !ocord! A fruo nnd corrocf copv of fho ofIco Is
nffnchod horofo ns IxhIbIf 'C.

oeeko to [oreclooe ut the clooin momento o[ u [our veur citil ouit
und thuo utoid unv determinution on the merito, thev hute no choice.

l2. ThIs snmo ronI proporfv schoduIod fo bo soId undor nn ImproporIv
rocordod ofIco of ofnuIf nnd IIocfIon fo SoII bv fho purporfod Trusfoo (nof fho
frusfoo of rocord whon rocordod) nnd IInInfIff`s ronI proporfv nro bofh curronfIv fho
subjocf proporfIos of compIox cIvII ncfIons In !nsson Counfv SuporIor Courf, ns
IIsfod In fho fIfIo fo fhIs ncfIon nbovo. Thus nro subjocf fo pofonfInI Sof Off from
fhoso snmo ncfIons nnd from cross-compInInfs curronfIv undorwnv bv Ivnns
ApprnIsnI SorvIcos Inc., (now fIIod) nnd wIghf A. Ionnoff (fo bo fIIod In nnswor
nnd rosponso fho wook of fho schoduIod Trusfoo`s SnIo).
l3. Tho Cnusos of AcfIon In pondoncv hnvo numorous quosfIons of Inw fhnf musf
bo doformInod on fho morIfs bv fho courf. Io If known fhnf fhoso snmo nIIognfIons
nIrondv Iovv muIfIpIo counfs of frnud rognrdIng fho subjocf proporfIos nnd fhnf
furfhor nIIognfIons of CompIox Irnud wIII bo fIIod In fhIs snmo ncfIon. Thoso cnusos
of ncfIon wIII nIIogo IrnuduIonf Trnnsfor, Irnud In fho Inducomonf, ConspIrncv fo
ofrnud, nnd oquIfnbIo nnd forfIous cnusos of ncfIon bonrIng dIrocfIv on fhoso

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ofondnnfs horoIn. onofhoIoss fIfIo nnd ownorshIp of fhoso snmo subjocf
proporfIos undor CnIIfornIn Inw Is fho foundnfIon quosfIon boforo fho Courf In fho
compIox cIvII ncfIons onfIfIod nbovo. Tho ofondnnfs horoIn sook fo nvoId
prosonfnfIon of fncfunI ownorshIp nnd chnIn of fIfIo nf frInI, fhus nvoId scrufInv of
nnd judgmonf bv fhIs Courf, fhorobv rushIng fo furfhor obfuscnfo fIfIo bv fho
ndmInIsfrnfIon of snId Trusfoo`s SnIo on Juno 6, 20ll.

SCON CA\S OI ACTION:
IRA\\INT ACO\ISITION oI TITI

IInInfIff Incorpornfos horoIn bv roforonco fho nIIognfIons mndo In pnrngrnphs
l fhrough l3, IncIusIvo, ns fhough fuIIv sof forfh horoIn.
l4. IInInfIff Is Informod nnd boIIovos nnd fhoroupon nIIogos fhnf whon fho
ronI proporfv subjocf fo frusfoo`s snIo wns purchnsod bv ormnn AIIon from wIghf
Ionnoff, fho subsoquonf ood of Trusf wns rocordod In !nsson Counfv on Mnv 26,
2005 In fnvor of OITIO OI MO!TCACI CO!IO!ATIO ns IonofIcInrv nnd
I!IMII! T!!ST II SI!VICIS IC., ns Trusfoo.
l5. o furfhor fIIIngs rognrdIng fho frusfooshIp or bonofIcInI ownorshIp
woro fIIod In !nsson Counfv unfII on ovombor ll, 2009, whon nn ex focie
CO!IO!ATIO ASSICMIT OI II OI T!!ST dnfod Juno l, 2005 wns
rocordod ui//ou/ oc/nouleJgenen/ ns roquIrod undor CIvII Codo 2932.5 (powor of
snIo), l09l &l092 (Trnnsfor of oods), & 2952 (AcknowIodgomonf nnd Iroof of
IxocufIon, CorfIfIcnfIon nnd !ocord). A fruo nnd corrocf copv of fho AssIgnmonf of
ood of Trusf Is nffnchod horofo ns IxhIbIf .
l6. Insod upon InformnfIon nnd boIIof, fhoro wns no nssIgnmonf of fho
undorIvIng ofo wIfh fho ood of Trusf, nono of fho IorocIosIng ofondnnfs nro fho
hoIdor of fho ofo In duo courso, nnd nono of fho IorocIosIng ofondnnfs woro
nssIgnod fho ofo bv OpfIon Ono. AccordIngIv, nono of fho IorocIosIng ofondnnfs
woro ovor onfIfIod fo onforco fho ofo. If Is uncorfnIn whofhor fhIs purporfod
nssIgnmonf of dood of frusf Is Infondod ns n convovnnco or ns n subsfIfufIon of

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frusfoo fo fho purporfod nssIgnoo; WI!! IA!CO IAK, . A., ns Trusfoo for
M!MI Trusf SorIos 2005-HI3 ns no AcknowIodgomonf nccompnnIos If. Iurfhor If Is
sIgnod bv nnn onfon ns fho purporfod AssIsfnnf Socrofnrv, nnd wIfhouf bonofIf of
Corpornfo Chnrfor or CorfIfIcnfIon or Iowor of Affornov, from OpfIon Ono Morfgngo
CorpornfIon, fho IonofIcInrv of !ocord ns sof forfh bv fho orIgInnI rocordod ood of
Trusf. IInInfIff Is Informod nnd boIIovos fhnf fho ncfunI IonofIcInrv of fho ofo nnd
ood of Trusf IVI! provIdod n docInrnfIon fo WII sfnfIng fhnf AIIon wns In
dofnuIf undor fho forms of fho ood of Trusf. AccordIngIv, fho rocordIng of fho
ofIco of ofnuIf nnd nnv subsoquonf documonfs roInfIng fo n non-judIcInI
forocIosuro woro rocordod In vIoInfIon of fho CnIIfornIn CIvII Codo socfIon
2924(n)(l)(C).

re[uoeo to cluri[v their otundin ulthouh uoked repeutedlv to do
oo und huo enued in [ruud on the court to hide their otundin.

l?. WoIIs Inrgo Innk A rofusos fo cInrIfv fhoIr sfnndIng ns n prIncIpIo
nnd rofusos fo provIdo nnv ovIdonco of fho ofo ondorsod fo WII. In pIondIngs
submIffod fo fhIs Courf, In fho mnffor of AIIon v. SummIf of.nI., WII Is soIf-
doscrIbod vnrIousIv ns: Agonfs of fho IonofIcInrv, Tho IonofIcInrv of !ocord,
Trusfoo undor M!MI Trusf SorIos 2005-HI3 nccordIng fo fho corfnIn IooIIng nnd
SorvIco Agroomonf nnd moro. Whnfovor fhoIr ncfunI sfnfus mnv bo, If nnv oxIsfs nf
nII, fho WorId nnd fho InrfIos ongngod In fho nbovo onfIfIod cIvII ncfIons nro Ioff fo
nssumo fhnf WII`s hoIds no rognrd for roquIromonfs osfnbIIshod undor CnIIfornIn
Morfgngo !nw.

huo intentionullv ouhmitted incomplete documentution to the
Court, thev deemed uo "complete" to muintuin [ruudulent otundin, thev
hud to.

l8. Of fhIs much If Is ronsonnbIv corfnIn, fho IooIIng nnd SorvIco

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Agroomonf (horoInnffor ISA) provIdod fo fho courf of jurIsdIcfIon In fho nbovo
onfIfIod mnffors bv WII ns fho bIndIng ngroomonf In fofnI Is unsIgnod nnd
undnfod. Tho SocurIfIos Ixchnngo CommIssIon of fho !nIfod Sfnfos nnd fho
documonfs fIIod wIfh fho S.I.C. dIsngroo. If wouId soom fhnf WII fnIIod fo IncIudo
fho confroIIIng Addondums nnd Affnchmonfs fo fho ISA nnd fho Irospocfus nnd
Addondums fhorofo, fhnf osfnbIIshod fho M!MI Trusf SorIos 2005-HI3 whon If wns
sIgnod on or nbouf ocombor 28, 2005, fuIIv sovon (?) monfhs nffor fho corpornfIon
nssIgnmonf of dood of frusf purporfod fo nomInnfo (WII) ns nssIgnoo.
l9. Tho sIgnod confrncfunI ISA, Irospocfus nnd Addondums fhorofo,
cronfIng fho M!MI Morfgngo Inckod Trusf SorIos 2005-HI3, on ocombor 28, 2005
sof forfh fho foIIowIng convovnncos nnd chnIn of fIfIo roquIromonfs: OpfIon Ono
Morfgngo CorpornfIon ns OrIgInnfor convovs fho subjocf morfgngo fo MorrIII
!vnch & Co ns SoIIor fo bo convovod fo MorrIII !vnch Morfgngo Invosfors Inc. ns
Iuvor nnd oposIfor fo fho M!MI Morfgngo Trusf IooI SorIos 2005-HI3 wIfh
WIIshIro Morfgngo CorpornfIon ns Mnsfor SorvIcor nnd WoIIs Inrgo Innk A ns
Indonfuro Trusfoo fo fho morfgngo pooIs ond purchnsors ns CorfIfIcnfo HoIdors.
A fruo nnd corrocf copv of fho S.I.C fIIIng MorrIII !vnch Morfgngo Invosfors Trusf
SorIos 2005-HI3 8-K for l/l2/06 Is nffnchod horofo ns IxhIbIf I.
Iorforco, nccordIng fo fho snmo confrncfunI ngroomonfs WoIIs Inrgo Innk
A couId nof hnvo rocoIvod nnv bonofIcInI fIfIo fo fho subjocf ood of Trusf nnd
Morfgngo ofo unfII fhoso convovnncos nbovo woro concIudod. Insod upon
InformnfIon nnd boIIof, fho Trusfoo`s SnIo wIII bo InvnIId bocnuso If wIII fnko pInco
wIfhouf nnvono ovor prosonfIng fho orIgInnI nofo, or orIgInnI nnd vnIId nssIgnmonfs
of fho nofo fo TS nnd TS hnvIng fIIod ofIco of ofnuIf boforo fhov woro fho
Trusfoo. Tho fnIIuro fo compIv wIfh fhoso sfnfuforv roquIromonfs rosuIfs In nn
InvnIId forocIosuro snIo.

o uctiono in crooo-compluint und ruoh to [oreclooure ure oounded
in deceit, [ruud und unjuot enrichment.


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20. IInInfIff Is Informod nnd boIIovos nnd fhoroupon nIIogos fhnf fho
ChnIn of TIfIo ns rocordod nnd roprosonfod bv ofondnnf WoIIs Inrgo Innk A Is
frnuduIonfIv InvnIId nnd fhnf WoIIs Inrgo Innk knows or shouId hnvo known fhIs
fo bo fruo, moroovor fhnf WII hns nf Ifs dIsposnI, nccoss or undorsfnndIng, fho
monns fo rocfIfv fho snmo Issuo buf rofusos fo do so. And fhnf Ionnoff nnd bv
proxImnfo cnuso AIIon nro IrropnrnbIv hnrmod bv WoIIs Inrgo`s ncfIons In docoIf
nnd fhnf snmo docoIf sounds In frnud. WII`s ncfIons nro promodIfnfod, forfIous nnd
dosIgnod nnd prosocufod for fho soIo purposo of nvoIdIng IInbIIIfv nnd gnInIng unjusf
onrIchmonf fo IInInfIff`s dofrImonf bv prosocufIng frnuduIonf forocIosuro ngnInsf
AIIon, nnd wIfhouf propor nufhorIfv or sfnndIng ns n IrIncIpIo fo fho morfgngo nnd
nofo undor forocIosuro. Ionnoff furfhor nIIogos fhnf WII mIghf onsIIv romodv fho
snmo bv producIng fho ofo nnd dood of frusf wIfh vnIId ondorsomonfs ovIdoncod,
buf cnn`f or won`f bocnuso fhov do nof possoss If nor do fhov hnvo nnv oxIsfIng
prIvIfv fo If or nufhorIfv undor If so dnro nof rospond Ioss; fhov bo forbIddon from
onforIng fho courfhouso ns IInInfIffs.

und ilohire/C enued othero in [orerv und mortue [ruud
in u reckleoo uttempt to portruv themoelteo uo Principleo to the mortue.

2l. IInInfIff Is Informod nnd boIIovos nnd fhoroupon nIIogos fhnf nccordIng
fo fhoIr InsfrucfIons nnd ordors n frnuduIonf subsfIfufIon of frusfoo hns boon
fnbrIcnfod nnd moroovor cnusod fo bo rocordod on fho offIcInI rocords of !nsson
Counfv, CnIIfornIn. To wIf: fhnf subsfIfufIon of frusfoo rocordod on ocombor 30,
2009 wns sIgnod ns AufhorIzod Agonf bv Iofhnnv Hood, who Is ompIovod ns n
mnIIroom cIork nf !ondors IrocossIng SorvIcos In nkofn Counfv, MInnosofn.
AddIfIonnIIv If Is sIgnod ns AufhorIzod Agonf bv Wnvno HossIor, n formor
cIorIcnI ompIovoo of !ondors IrocossIng SorvIco. Iofh Hood nnd HossIor nro
curronfIv undor InvosfIgnfIon for crImInnI forgorv of morfgngo documonfs nnd
curronfIv nro nnmod ns dofondnnfs In numorous cIvII ncfIons In muIfIpIo sfnfo nnd
fodornI jurIsdIcfIons chnrgod wIfh frnud nnd forgorv In morfgngo frnnsncfIons.

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Ionnoff hns In hIs possossIon nf Ionsf four rocordod documonfs sIgnod bv Iofhnnv
Hood nnd sInco nono of fho sIgnnfuros mnfch onch ofhor If Is ImpossIbIo fo know
wIfh nnv corfnInfv, whIch Is fho ronI nnd fruo sIgnnfuro of Iofhnnv Hood, If In fncf
nnv woro ncfunIIv sIgnod bv hor. Truo nnd corrocf copIos of snId ocumonfs
Ixocufod bv Iofhnnv Hood nro nffnchod horofo ns IxhIbIf I.
Ono of fho sIgnnfuros Is ns n IubIIc ofnrv, fhroo ofhors IncIudIng fhnf
corfnIn ono rocordod bv WIIshIro CrodIf Corp., In !nsson Counfv for fho subjocf
proporfv horoIn, nnmoIv AIIon`s, crodIf hor ns corpornfo offIcor for fhroo sopnrnfo
CorpornfIons, nII In 2009 nnd fwo occurrIng wIfhIn 22 dnvs of onch ofhor. Moroovor
fhIs subsfIfufIon of frusfoo nnmos WII ns IonofIcInrv. Concurronf fo Ifs
oxocufIon, WII bv wrIffon pIondIngs, on rocord In AIIon v. SummIf of. nI. doomod
fhomsoIvos fo bo ngonfs of fho IonofIcInrv nnd wIfhouf oconomIc Inforosf.
CorfnInIv n rovIow of documonfs nnd pIondIngs fIIod In fho offIcInI rocords of fhIs
courf of jurIsdIcfIon bv WII, cnnnof nnd do nof prosonf fncfunI ovIdonco of nnv
posIfIon hoId bv fhom ns IonofIcInrv fo fho AIIon Morfgngo or fho Ionnoff Iroporfv.
How In fncf, couId fhoIr words convInco nnv frIbunnI of fncfunI ovonfs or ownorshIp
whon fhov cnn`f ngroo wIfh fhomsoIvos In nnv of fhoIr consocufIvo pIondIngs
22. IInInfIff Is Informod nnd boIIovos nnd fhoroupon nIIogos fhnf fho
ofnrv SonI nffIxod fo fho purporfod subsfIfufIon of frusfoo fo wIf: Jnmos Chun
ofnrv IubIIc, Is nIso fho subjocf of numorous crImInnI InvosfIgnfIons nnd cIvII
ncfIons ncross fho !nIfod Sfnfos for nIIogod forgorv nnd morfgngo frnud. As wIfh
Ms. Hood, Mr. Chun hns boon fonfurod In foIovIsod progrnms nnd pubIIshod nrfIcIos
rognrdIng !obo-SIgnors. Mr. Chun nofnrIzod fho SubsfIfufIon of Trusfoo In fho
Insfnnf mnffor, on ll/3/09 moro fhnn fwo wooks nffor fho sIgnnfuros woro
oxocufod on l0/l9/09, n vIoInfIon of MInnosofn Sfnfo !nw nnd CnIIfornIn Sfnfo
!nw, roquIrIng fhnf fho sIgnnfuros bo InscrIbod on fho subjocf documonf In fho
prosonco of fho ofnrv IubIIc. In fncf no sInguInr nspocf of fho subsfIfufIon of
frusfoo undorIvIng fho schoduIod forocIosuro procoodIng Is InvnIId ns Is nnv
purporfod documonf rocordod nf fho roquosf of IAC/WIIshIro bv fho ordor of WII
nufhorIzIng T. . SorvIco Compnnv fo conducf fho nucfIon of Juno 6, 20ll.

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IV, S\MMARY

23. Tho ISA, Irospocfus, nnd Addondums fhorofo nro cIonr nnd succIncf;
nccordIngIv fho M!MI Trusf SorIos 2005-HI3 wns sIgnod Info confrncf on ocombor
28, 2005. IrIor fo fhnf dnfo no such Trusf oxIsfod nnd fhoroforo WII wns Trusfoo of
nofhIng nnd WIIshIro/IAC wns sorvIcor fo nofhIng. WII or fhoIr ngonfs bnck dnfod
fho CorpornfIon AssIgnmonf of ood of Trusf n frnuduIonf nssIgnmonf sIgnod bv
ono nnn onfon, AssIsfnnf Socrofnrv. IInInfIff cnn fInd no ovIdonco fhnf nnn
onfon wns ovorv ompIovod bv OpfIon Ono or ovon oxIsfod much Ioss wns ongngod
ns AssIsfnnf fo fho Socrofnrv of Corpornfo AffnIrs. AII ofhor nssIgnmonfs nvnIInbIo
fo IInInfIff bv OpfIon Ono In fho snmo fImo porIod, nro Indorsod bv Trncv M.
SoIomon, AssIsfnnf Socrofnrv who Is cIonrIv ovIdoncod bv corpornfo roIIs nnd
rocords ns fho fruo AssIsfnnf Socrofnrv of OpfIon Ono Morfgngo CorpornfIon. If
nnn onfon doos oxIsf Iof WII produco hIm/hor for InquIrv ns IInInfIff shnII
domnnd In dIscovorv fo bo ndvnncod fhrough propoundod Inforrognforv nnd
roquosfs for producfIon.
Moroovor, fho IorocIosIng ofondnnfs novor hnd fho IognI nufhorIfv fo
forocIoso bocnuso fho Insfrumonf (ood of Trusf), whIch pormIfs forocIosuro If fho
borrowor Is In dofnuIf, Is voId ns If wns ImproporIv nssIgnod nnd/or frnnsforrod fo
fho IorocIosIng ofondnnfs from fho orIgInnI Iondor. Thoroforo, fho ood of Trusf
couId nof provIdo n bnsIs for n forocIosuro, nnd fho non-judIcInI forocIosuro Is voId oI
ini/io.
24. AccordIng fo fho forms of fho M!MI Trusf SorIos 2005-HI3 pooIIng
ngroomonf bv whIch WII nssorfs TrusfooshIp nnd WIIshIro Is Mnsfor SorvIcor, fho
roquIsIfo chnIn of fIfIo fo Mr. AIIon`s morfgngo Is ns foIIows:
IogInnIng on ocombor l, 2005
n) OpfIon Ono convovs fIfIo fo MorrIII !vnch & Co.
b) MorrIII !vnch & Co. convovs fIfIo fo MorrIII !vnch Morfgngo Invosfors Inc.

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c) MorrIII !vnch Morfgngo Invosfors Inc. doposIfs CorfIfIcnfos of TIfIo In n pooI.
d) CorfIfIcnfos nro soId fo WnII Sfroof Invosfors ns CorfIfIcnfo HoIdors.
o) WII A ns Indonfuro Trusfoo ndmInIsfors fho IooI of CorfIfIcnfos of TIfIo.
f) WIIshIro Is Mnsfor SorvIcor of IooIod CorfIfIcnfos.
AII wns compIofod no soonor fhnn ocombor 28, 2005.
WII couId nof hnvo bocomo bonofIcInI ownor of AIIon`s morfgngo on Juno l, 2005
ns Trusfoo for fho M!MI Trusf SorIos 2005-HI3 ns fhov hnvo prosonfod fo fho
courf, nor on fhnf dnfo couId fhov hnvo boon nssIgnod ns frusfoo undor fhnf fIfIo. In
fncf, fho frusf nnd fhoIr posIfIon ns Indonfuro Trusfoo fo If wns nof IognIIv cronfod
unfII sIx monfhs Infor In ocombor 2005.
WoIIs Inrgo Innk .A. hns no sfnndIng fo pursuo forocIosuro on Juno 6,
20ll; ovorv documonf rocordod Is Impropor nnd voId on Ifs fnco wIfhouf furfhor
oxnmInnfIon. Tho IorocIosIng ofondnnfs do nof hnvo fho IognI nufhorIfv fo
forocIoso, I.o.; fho nufhorIfv fo oxorcIso fho powor of snIo ns nn nssIgnoo of fho ofo
nnd ood of Trusf bocnuso fho IorocIosIng ofondnnfs` Inforosf wns novor
ncknowIodgod nnd rocordod In vIoInfIon of CIvII Codo 2932.5, rosuIfIng In n non-
judIcInI forocIosuro snIo hoId curronfIv boIng voId oI ini/io.
25. Tho ncfunI pnfh of M!MI Trusf SorIos 2005-HI3 nffor l2/28/2005 Is
much dnrkor nnd moro convoIufod nnd nof n mnffor for fhIs ncfIon buf wIII bo
ovIdoncod In IInInfIff`s Cross-CompInInf fo bo fIIod shorfIv.
26. Tho chnIn of fIfIo fo Mr. AIIon`s proporfv Is hopoIossIv Iosf for now so
foo Is Ionnoff`s oquIfv fhoroIn nnd Ionnoff`s chnIn of fIfIo bv vIrfuo of WII/IAC`s
pufnfIvo vorIfIod cross-ncfIon . o fruo convovnncos or nssIgnmonfs nro rofIocfod
In AIIon`s chnIn of fIfIo ns rocordod nnd fhus If musf bo rosforod fo nccurncv for
InwfuI progrossIon fo commonco.
2?. Tho quosfIon boforo fhIs courf Is nof whofhor AIIon borrowod monov
rnfhor If Is ns n quosfIon of Inw mnndnfod bv sfnfufo. Thnf quosfIon Is; fo whom
shnII fho monov bo pnId fo snfIsfv fho dobf If nof fo WII, ns IInInfIff boIIovos fhnf
fho fncfs nffosf, fhon WII shouId rofurn nII pnvmonfs, prIncIpIo nnd Inforosf so
fhnf If mnv bo prosonfod fo fho IonofIcInrv of fncf undor fho Inw, shouId ho/fhov

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surfnco In fho fufuro.
28. Such Is fho roquIromonf of sfnfuforv Inw dovoIopod from common Inw;
fhnf n dobfor shnII rosf nssurod In fho knowIodgo fhnf In fImo, fhrough oquIfv fho
dobf wIII bo fInnIIv InId fo rosf nnd shnII nof rIso ngnIn fhrough muIfIpIo cInIms of
ownorshIp. WIfhouf such roquIromonfs nII mon nro, for IIfo, onsInvod fhrough fho
dronm of foo sImpIo ownorshIp In ronI proporfv nnd nono cnn know wIfh nnv
corfnInfv fhnf fho bonds wIII bo brokon.
29. Iorhnps fho mosf grIovous nnd confompfIbIo ncf vof bv WII/IAC Is
fho bInfnnf nnd roprohonsIbIo prosonfnfIon of forgod nnd frnuduIonf fIfIo documonfs
for rocordIng In fhoIr bId fo ncquIro unonrnod profIf undor fho fhoorv fhnf fhoIr sIns
wIII uIfImnfoIv bo wnshod cIonn bv fho bIood of n fIcfIfIous Trusfoo`s ood. If If Is
nIIowod fo bo so fhon nII AmorIcnns sfnnd In ImmInonf dnngor of fhronf bv
corpornfo rnIdors nnd fhoIr III gnInod ompIros.


WHI!IIO!I, pInInfIff prnvs judgmonf ngnInsf dofondnnfs nnd onch of
fhom, ns foIIows:


30. Ior n docInrnfIon nnd doformInnfIon fhnf forocIosuro procoodIng ns
schoduIod for Juno 6, 20ll bo ordorod fo conso nnd dosIsf or In fho nIfornnfIvo bo
docInrod nuII nnd voId, nnd fhnf fho Courf of JurIsdIcfIon doformIno fho rIghffuI
hoIdor of fIfIo fo fho proporfv on fho morIfs; fhnf ofondnnfs horoIn, nnd onch of
fhom, bo docInrod fo hnvo no osfnfo, rIghf, fIfIo or Inforosf In snId proporfv unIoss
nnd unfII fhov prosonf InwfuI ovIdonco of such rIghfs fo ownorshIp fo fho Courf, for
rovIow nnd doformInnfIon of nufhonfIcIfv nnd vnIIdIfv undor provnIIIng Inw;

3l. IInInfIff Ionnoff fhoroforo sooks n docInrnfIon fhnf fho fIfIo fo fho subjocf
proporfv bo vosfod In ormnn AIIon`s nnmo nIono nnd fhnf fho dofondnnfs horoIn,

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nnd onch of fhom, bo docInrod fo hnvo no osfnfo, rIghf, fIfIo or Inforosf In fho subjocf
proporfv wIfhouf IognI proof posIfIvo nnd fhnf snId dofondnnfs, nnd onch of fhom, bo
forovor onjoInod from nssorfIng nnv osfnfo, rIghf, fIfIo or Inforosf In fho subjocf
proporfv ndvorso fo fho ronI pnrfIos In oquIfv horoIn unIoss ovIdoncod nnd
doformInod ns nbovo, on fho morIfs.

32. Ior nn ordor compoIIIng snId ofondnnfs, nnd onch of fhom, fo provIdo
ovIdonco of IognI fIfIo nnd rosuIfnnf cnpncIfv nnd sfnndIng ns IrIncIpIos fo forocIoso
or fo ofhorwIso sook InwfuI possossIon of fho subjocf proporfv horoIn;


33. Ior n judgmonf forovor onjoInIng snId dofondnnfs, nnd onch of fhom, from
cInImIng nnv osfnfo, rIghf, fIfIo or Inforosf In fho subjocf proporfv If ovIdonco of
IognI rIghf fhorofo, Is nof prosonfod fo fho courf wIfhIn n ronsonnbIo fImo porIod;


34. Ior n judgmonf cronfIng n consfrucfIvo frusf bv fho courf for fho subjocf
proporfv, so fhnf no pnrfv wIII bo donIod sof off or spoIInfIon of fhoIr fIfIo nnd rIghf
fo quIof onjovmonf of fhoIr IognIIv fIfIod Innd or In fho nIfornnfIvo fhnf fho courf
osfnbIIsh fho IognI rIghf of wnv fo IInInfIff`s proporfv ns wns Infondod nnd fnIIod or
bofh.

35. Ior such ofhor nnd furfhor roIIof ns fho courf mnv doom propor
ATI: Juno 6, 20ll



__________________________________________
wIghf A. Ionnoff, Inrfv In IquIfnbIo

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Inforosf, In pro por.


VI!IIICATIO


I, wIghf A. Ionnoff, nm n pnrfv In fho nbovo-onfIfIod ncfIon. I hnvo rond fho
forogoIng AcfIon for QuIof TIfIo nnd know fho confonfs fhoroof. Tho snmo Is fruo of
mv own knowIodgo, oxcopf ns fo fhoso mnffors whIch nro fhoroIn nIIogod on
InformnfIon nnd boIIof, nnd ns fo fhoso mnffors, I boIIovo If fo bo fruo.
I docInro undor ponnIfv of porjurv fhnf fho forogoIng Is fruo nnd corrocf nnd fhnf
fhIs docInrnfIon wns oxocufod nf SusnnvIIIo, CnIIfornIn.


ATI: &NE 6, 2011 ___________________________________
wIghf A. Ionnoff




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IXHIIIT A


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