Your Name Here, Pro per add spouse here 12345 W.

Freedom Road 1 Tolleson, Arizona (12345) P one ! (123) 45"#$%&' 2 ()ouremail*aol.+om,

IN THE IN AND -./ 3 4 5 SUPERIOR COURT OF THE STATE OF ARIZONA FOR THE COUNTY OF MARICOPA Case No. CV1929288338

" Name all Plain0i11s 2an3, 4or05a5e -o, e0+. $ % Plain0i11,

ANSWER TO COMPLAINT MOTION FOR DISMISSAL

6s. You and

& 1' )our s7ouse ere, 11 12 8e1endan0s 13 14

(Assi5ned 0o 0 e Hon. 99999999999999

15 MOTION FOR DISMISSAL OF COMPLAINT TO MORT A E

FORECLOSURE

1" 1$ 1%
0 e -./

COMES NOW! Your Name ere, s7ouse name, 8e1endan0s, mo6e 1or dismissal o1

1& Name : all Plain0i11s 2an3, 4or05a5e -o, e0+., Plain0i11;s Fore+losure 2' -om7lain0 1iled <une 25, 2''& and =ould s o= 0 e +our0 as 1ollo=s> Plain0i11;s

1ailure 0o

21 s0a0e a +laim u7on = i+ relie1 +an ?e 5ran0ed. Fed. R. Civ. P. 12(b)(6). 22 23 24 25 2" 2$ 2%

8e1endan0s ma3e 0 e 4/T@/N T/ 8@A4@AA -/4PBA@NT, =i0 7reCudi+e, Plain0i11 as 1ailed 0o ?rin5 res =i0 in 0 e 0erri0orial Curisdi+0ion o1 0 e -our0, and alon5 =i0 0 e o0 er Curisdi+0ional +laims no0ed erein, Plain0i11 la+3s s0andin5 0o

?e+ause 0 ere1ore,

a77roa+ 0 e -our0.

I. 1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2" 2$ 2%

E"#$e%&e %o' (#)e$ as *e+,#*e$. S'a%$#%/0

P)a#%'#(( La&-s .,*#s$#&'#o% a%$

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

W en 1ilin5 an a+0ion 1or 1ore+losure o1 a mor05a5e on residen0ial real 7ro7er0) 0 e +om7lain0 s all ?e 6eri1ied. W en 6eri1i+a0ion o1 a do+umen0 is reDuired, 0 e do+umen0 1iled s all in+lude an oa0 , a11irma0ion, or 0 e 1ollo=in5 s0a0emen0> EFnder 7enal0) o1 7erCur), @ de+lare 0 a0 @ a6e read 0 e 1ore5oin5, and 0 e 1a+0s alle5ed 0 erein are 0rue and +orre+0 0o 0 e ?es0 o1 m) 3no=led5e and ?elie1.E

8e1endan0s demand 0 a0 Plain0i11;s +ounsel 7ro6ide 0 e reDuisi0e 7roo1, under seal, 0 a0 i0s o11i+e is in a 6alid a5en+) rela0ions i7 =i0 Plain0i11, i.e., 6ia a 6alid, +er0i1ied +on0ra+0, 7o=er o1 a00orne), e0+., in0o 0 e e6iden+e 1ile and 0o de1endan0s. Failure 0o 7resen0 su+ 7roo1 s all ?e deemed 0 a0 alle5ed +ounsel 1or Plain0i11 is no0 a ?ona 1ide a5en0 1or Plain0i11 and 0 a0 said o11i+e is +ommi00in5 1raud, mail 1raud, amon5 o0 er 1elon) +rimes. 8e1endan0s 1ur0 er demand 0 a0 Plain0i11 and Plain0i11;s +ounsel 7ro6ide +er0i1ied +o7ies o1 Plain0i11 and Plain0i11;s +ounsel;s 7u?li+ azard ?onds in 0 e e6iden+e 1ile and 0o 8e1endan0s so 0 a0 8e1endan0s ma) en1or+e 0 eir +laims u7on Plain0i11;s 1ailure 0o 7ro6e i0s +laim and 7rodu+e 0 e ori5inal, unal0ered 7romissor) no0e as reDuired under 0 e la=. 8e1endan0s 1ur0 er demand, 0o a6oid 6iola0ions under Ti0le 15 FA- e0 seD, 0 a0 Plain0i11 7ro6ide in0o 0 e e6iden+e 1ile and de1endan0s i0s 2ondGPoli+) Num?er, 0 e under=ri0er o1 said 2ondGPoli+), and 0 e a5en+) in = i+ i0 is re5is0ered =i0 in order 0o 1a+ili0a0e a +laim a5ains0 i0, i1 ne+essar). 8e1endan0s 1ur0 er demand 0 a0 Plain0i11 7ro6ide a +er0i1ied +o7) o1 0 e ?ond(s) 0 a0 Plain0i11 7ur+ ased 0o insure 0 e alle5ed HloanI and +o7ies o1 all 7a)men0s made 0o da0e 0o ?e en0ered in 0 e e6iden+e 1ile and 0o de1endan0s. 8e1endan0s 1ur0 er demand, 7ursuan0 0o 0 e a77ro7ria0e rules o1 e6iden+e 1or au0 en0i+a0ion, 0 a0 ea+ and e6er) i0em o1 e6iden+e 7resen0ed in 0 is ma00er ?e au0 en0i+a0ed and in0rodu+ed ?) a +om7e0en0 1a+0 =i0ness a6aila?le 1or +ross eJamina0ion. -ounsel +anno0 0es0i1) 1or Plain0i11 (1) nor +an +ounsel au0 en0i+a0e an) do+umen0 in 0 is +ase re5ardin5 0 e alle5ed mor05a5e loan 0ransa+0ion sin+e +ounsel as no 7ersonal 3no=led5e o1 an) alle5ed 0ransa+0ion in 0 is ma00er. Aee Fla R.-i6.P. &'."'4. @0 is =ell es0a?lis ed 0 a0 s0a0emen0s o1 +ounsel o1 alle5ed 1a+0s are no0 su11i+ien0 0o es0a?lis 1a+0s or e6iden+e in 0 e +ase 1or i0s +lien0. Aee Trinsey v. Pagliaro, 22& F. Au77., "4& (8.-. Pa. 1&"4) (HT e de1endan0sK mo0ion 0o dismiss 1or 1ailure 0o s0a0e a +laim

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

unsu77or0ed ?) a11ida6i0s or de7osi0ions is in+om7le0e ?e+ause i0 reDues0s 0 is -our0 0o +onsider 1a+0s ou0side 0 e re+ord = i+ a6e no0 ?een 7resen0ed in 0 e 1orm reDuired ?) Rules 12(?) (") and 5"(+). A0a0emen0s o1 +ounsel in 0 eir ?rie1s or ar5umen0 = ile enli5 0enin5 0o 0 e -our0 are no0 su11i+ien0 1or 7ur7oses o1 5ran0in5 a mo0ion 0o dismiss or summar) Cud5men0.I Lem7 asis addedMN see also Loomis, @n re, 5%$ N.W.2d 42$, 43% (A.8., 1&&%). HA00orne)s +anno0 0es0i1) on ?e al1 o1 0 eir +lien0sIN Es es v. !illea, 4"4 N.W.2d "1", "1& (A.8. 1&&') (HLAMn a00orne) +anno0 0es0i1) on ?e al1 o1 is +lien0 L+i0a0ions omi00edM.

Fur0 er, 0 e +ommuni+a0ion =i0 0 e +ir+ui0 +our0 =as no0 in 0 e 1orm o1 an a11ida6i0 nor under oa0 . @0 =as merel) ar5umen0 in a 0rial ?rie1. T is is +learl) no0 e6iden+e and 0 us, Williams; in0erro5a0or) ans=er s0ands un+on0radi+0ed. OILem7 asis addedM). T e -our0 mus0 s0ri3e an) alle5ed 1a+0 1rom +ounsel 0 a0 is no0 su77or0ed ?) an a11ida6i0 1rom Plain0i11 or ?) Plain0i11;s +or7ora0e re7resen0a0i6e 0 a0 is a +om7e0en0 1a+0 =i0ness =i0 7ersonal 3no=led5e o1 0 e +laims, 1a+0s and do+umen0s (0o au0 en0i+a0e) em7lo)ed ?) Plain0i11 in 0 is ma00er. 8e1endan0s do no0 =ai6e an) ri5 0s. All Ri5 0s Are Re6ersed Wi0 ou0 PreCudi+e, 3no=n and un3no=n. All ri5 0s alle5edl) =ai6ed ?) 8e1endan0s ere0o1ore =i0 ou0 7ro7er no0i+e o1 0 e 0erms o1 a +on0ra+0 or o11er is no0 =ai6ed.

II.

P*o se 1)ea$#%/s %o' 2e)$ 'o s'a%$a*$0

8e1endan0s are uns+ ooled in la= and no0i+es 0 e -our0 o1 enun+ia0ion o1 7rin+i7les as

s0a0ed in "aines v. #erner, 4'4 F.A. 51& (1&$2) = erein 0 e +our0 as dire+0ed 0 a0 0 ose = o are uns+ ooled in la= ma3in5 7leadin5s andGor +om7lain0s s all a6e 0o loo3 0o 0 e su?s0an+e o1 0 e 7leadin5s ra0 er 0 an in 0 e 1orm, and ere?) ma3es 0 e 1ollo=in5 7leadin5sGno0i+e in 0 e a?o6e# re1eren+ed ma00er =i0 ou0 =a6ier o1 an) de1enses. @1 0 ere are an) de1e+0s in 0 is do+umen0, 8e1endan0s reDues0s 0 a0 0 is Honora?le -our0 in0er7re0 said de1e+0s a++ordin5l) and render a 7ro7er and Cus0 de+ision ra0 er 0 a0 7enalizin5 8e1endan0s 1or 7ro+edural or o0 er errors due 0o 8e1endan0;s la+3 o1 1ormal 0rainin5. 2) Ba= and 7re+eden0 and in a++ordan+e =i0 0 e Au7reme -our0 o1 0 e Fni0ed A0a0es pro se Pleadin5s 4AY N/T ?e eld 0o 0 e same s0andard as a la=)er;s andGor a00orne);sN and = ose mo0ions, 7leadin5s and all 7a7ers ma) /NBY ?e Cud5ed ?) 0 eir 1un+0ion and ne6er 0 eir 1orm. Aee "aines v. #erner$ Pla s%y v. C&'$ 'nas aso(( v. )ni ed * a esN

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

Bi0i5an0s are 0o ?e eld 0o less s0rin5en0 7leadin5 s0andardsN Aee "aines v. #erner, 4'4 F.A. 51&# 421N @n re Haines> 7ro se li0i5an0s are eld 0o less s0rin5en0 7leadin5 s0andards 0 an admi00ed or li+ensed ?ar a00orne)s. Re5ardless o1 0 e de1i+ien+ies in 0 eir 7leadin5s, 7ro se li0i5an0s are en0i0led 0o 0 e o77or0uni0) 0o su?mi0 e6iden+e in su77or0 o1 0 eir +laims. Aee also Pla s%y v. C.&.'., &53 F.2d. 25N @n re Pla s%y, +our0 errs i1 +our0 dismisses 0 e 7ro se li0i5an0 =i0 ou0 ins0ru+0ion o1 o= 7leadin5s are de1i+ien0 and o= 0o re7air 7leadin5s.

Aee also 'nas aso(( v. )ni ed * a es, 223 F.3d %&% (%0 -ir. 2''')N @n re 'nas aso((, li0i5an0sK +ons0i0u0ional (5uaran0eed) ri5 0s are 6iola0ed = en +our0s de7ar0 1rom 7re+eden0 = ere 7ar0ies are similarl) si0ua0ed. III. P)a#%'#((3s C)a#4 %o' s,11o*'e$0

Plain0i11s +laim 0o ?e andGor re7resen0 a older o1 a se+uri0) ins0rumen0 and +laim 0 e se+uri0) ins0rumen0 is e6iden+e o1 a de?0. 8e?0s are ?e0=een a -R.8@T/R and 8.2T/R. Plain0i11s a6e no0 +laimed 0o ?e or re7resen0 a HTRF. -R.8@T/RI. (Aee +la,%-s La. /i, ionary 6 h Ed. HTRF.I.) Plain0i11s a6e re1used 0o s0a0e 0 a0 Plain0i11;s are or re7resen0 0 e HTRF.I -R.8@T/R o1 8e1endan0;s 7ur7or0ed 4or05a5e. Plain0i11;s a6e re1used 0o 7rodu+e (Aee +la,%-s La. /i, ionary 6 h Ed. HP.NF@N.I and H/R@P@NABI) HP.NF@N. /R@P@NABI 4/RTPAP., ABB/NP.(s), and N/T. 0o A11ian0 and 6alida0e a +laim. @1 0 e Plain0i11 does no0 s0i7ula0e 1or 0 e re+ord 0 a0 0 e) are 0 e TRF. -R.8@T/R 0 en 0 e 8e1endan0(s) 4FAT ?e 0 e HTRF.I -R.8@T/R in 0 is ma00er, an) and all 7re6ious +laims ?) Plain0i11 0 a0 8e1endan0 is 0 e 7ur7or0ed 8.2T/R are 0 us +onsidered null and 6oid a? ini0io ?) Plain0i11 and all o0 er 7ar0ies. Plain0i11 +anno0 ?e 0 e -R.8@T/R in 0 is ma00er ?e+ause Plain0i11 andGor an) en0i0) Plain0i11 ma) re7resen0 N.Q.R ris3ed an) asse0s, nor are an) o1 TH.4 oldin5 an) asse0s. A -R.8@T/R +anno0 ?e a HTRF.I -R.8@T/R i1 TH.Y don;0 old 0 e asse0 in Dues0ion, i.e. 0 e N/T. andGor 0 e 7ro7er0)N and 4or05a5e Pass#0 rou5 Trus0s, i.e. R...4.@.-., as de1ined in Ti0le 2", Au?0i0le A, - a70er 1 Au?+ a70er 4, Par0 @@, RR %5'#%"2, and +anno0 no0 old asse0s 1or i1 0 e) do, 0 eir 0aJ eJem70 s0a0us is 6iola0ed and 0 e Trus0 i0sel1 is 6oid a? ini0io. Plain0i11s a6e no0 in1ormed 8e1endan0s o1 Plain0i11s; or re7resen0a0i6es; + an5e in TaJ eJem70 s0a0us o1 no= ?ein5 a -R.8@T/R andGor 0 a0 Plain0i11 re7resen0 0 e TRF. -R.8@T/R. T ere1ore, 8e1endan0 does no0 ?elie6e Plain0i11 in Plain0i11 s0a0us 0o 0 a0 o1 a -R.8@T/R. a6e in1ormed 0 e @NT.RNAB R.Q.NF. A.RQ@-. (@RA) and 0 e A.-FR@T@.A AN8 .S-HANP. -/44@AA@/N (A.-) o1 an) + an5e

IV NOTICE AND PRONOUNCEMENT OF REVOCATION OF SI NATURES 8ue 0o 0 e dis+o6er) o1 6arious elemen0s o1 1raud, 1raudulen0 indu+emen0, 1raudulen0

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

misre7resen0a0ion, en0ra7men0, and nondis+losure ?) Plain0i11s, andGor ?) an) o1 i0s a5en0s andGor assi5nees, de1endan0s do ere?) re1use 0o 3no=in5l) a++e70, or o0 er=ise 7ar0i+i7a0e in ANY 7ar0 o1 1raud and o0 er =ron51ul a+0ions in6ol6in5 0 e 7ur7or0ed Promissor) no0e and 4or05a5e, and 1ur0 er 8e1endan0s do ere?) re6o3e, res+ind, and 0ermina0e all a5reemen0s nun, pro un, 1rom 0 eir in+e70ion, 0 ere?) renderin5 said do+umen0s and a5reemen0s void ab ini io. @n i0em Num?er /ne o1 0 e alle5ed ori5inal Promissor) no0e 7resen0ed ?) Plain0i11 in i0s

-om7lain0 Filin5 da0ed <une 25, 2''&, i0 s0a0es> H@n re0urn 1or a loan 0 a0 @ a6e re+ei6edI 8e1endan0s; si5nin5 o1 0 e Promissor) No0e =i0 0 a0 +lause, 0 a0 =as re+en0l) ?rou5 0 0o erein 6ia

8e1endan0s; a00en0ion, =as an o6ersi5 0 and a mis0a3e (no= +orre+0ed

re6o+a0ionGres+ission o1 si5na0ure) sin+e 8e1endan0s did no0 re+ei6e a loan 1rom Plain0i11s, 7rior 0o (nor su?seDuen0 0o) 8e1endan0sK si5nin5 0 e Promissor) No0e. @n *a0on !or gage *ervi,es1 v. "illery1 2223 ).*. /is . LE4&* 12251 Ho=e6er, 1or 0 ere 0o ?e a 6alid assi5nmen0, 0 ere mus0 ?e more 0 an Cus0 assi5nmen0 o1 0 e deed aloneN 0 e no0e mus0 also ?e assi5ned. *eeCarpen er v. Longan1 36 ).*. 2711 21 L. Ed. (s0a0in5 0 a0 EL0M e no0e and mor05a5e are inse7ara?leN 0 e 1ormer as essen0ial, 0 e la00er as an in+iden0EN addin5 0 a0 ELaMn assi5nmen0 o1 0 e no0e +arries 0 e mor05a5e =i0 i0, = ile an assi5nmen0 o1 0 e la00er alone is a h

nulli0)E)N @n re Leisure Time *por s1 &n,.1 189 +.R. 358 (8

Cir). (s0a0in5 0 a0 ELaM se+uri0) in0eres0

+anno0 eJis0, mu+ less ?e 0rans1erred, inde7enden0 1rom 0 e o?li5a0ion = i+ i0 se+uresE and 0 a0, ELiM1 0 e de?0 is no0 0rans1erred, nei0 er is 0 e se+uri0) in0eres0E)N #elly v. )psha.1 68 Cal. 2d 1781 296 P.2d 26. (s0a0in5 0 a0 assi5nin5 onl) 0 e deed =i0 ou0 a 0rans1er o1 0 e 7romissor) no0e is +om7le0el) ine11e+0i6e)N see also Res a emen (6d) o( Proper y (!or gages : 5.9 (s0a0in5 0 a0 ELaM mor05a5e ma) ?e en1or+ed onl) ?), or in ?e al1 o1, a 7erson = o is en0i0led 0o en1or+e 0 e obliga ion 0 a0 0 e mor05a5e se+uresE) (em7 asis added). As #elley es0a?lis es, 0 is is 0rue under Your A0a0e Here la= = i+ 7resuma?l) a77lies ere. A5ain, 0 e rule = i+ ma3es 0 e assi5nmen0 o1 a mor05a5e su?Ce+0 0o 0 e eDui0ies eJis0in5 ?e0=een 0 e mor05a5or and mor05a5ee is eJ7ressl) +on1ined 0o su+ eDui0ies onl), and +anno0 ?e eJ0ended 0o eDui0ies eJis0in5 ?e0=een 0 e LT21&M mor05a5ee and 0 ird 7ar0ies. ;ames v. !orey1 2 Co.en 287. T e Promissor) No0e uneDui6o+all) asser0s 0 a0 8e1endan0s ad alread) re+ei6ed an alle5ed HloanI as o1 0 e da0e 0 e no0e =as si5ned, 0 a0 0 e re1eren+ed HloanI ad o++urred ?e1ore

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

0 e 7romissor) no0e =as si5ned. 8e1endan0s are no0 0 e re+i7ien0 o1 an) loan 7ro+eeds or loan dis?ursemen0 in an) 1orm 1rom Plain0i11s, 7rior 0o 0 e si5nin5 o1 0 e Promissor) No0e, and in s7i0e o1 a sear+ o1 all 7er0inen0 re+ords in 0 is ma00er, 8e1endan0s are una?le 0o 1ind loan dis?ursemen0 ins0ru+0ions, loan dis?ursemen0 +on1irma0ion or a re+ei70 o1 said loan in an) 1orm. Plain0i11 in i0s ans=er 0o 0 is mo0ion is in6i0ed 0o 7ro6ide 0 e loan dis?ursemen0 ins0ru+0ions, loan dis?ursemen0 +on1irma0ion or

re+ei70 o1 said loan 7rior 0o 8e1endan0s si5nin5 0 e 7romissor) no0e. Failure 0o 7ro6ide said do+umen0a0ion s all ?e deemed 0 a0 0 ere is no 6alid, le5al de?0 in 0 is ma00er. A HloanI ad no0 ?een 7ro6ided 0o 8e1endan0s and 0 a0 8e1endan0s ad no0 re+ei6ed a loan as o1 0 e da0e 0 e Promissor) No0e =as si5ned. T e au0 or o1 0 e Promissor) No0e 0 a0 =as 7resen0ed 0o 8e1endan0s 1alsel), 1raudulen0l) and de+e70i6el) s0a0ed 0 a0 8e1endan0s ad re+ei6ed a loan 7rior 0o 0 em si5nin5 said no0e = en, in 1a+0, no loan ad ?een 5i6en 0o 8e1endan0s ?) Plain0i11s A++ordin5l), = en Plain0i11s; a5en0s 7resen0ed 0 e Promissor) No0e 0o 8e1endan0s, Plain0i11s 3ne= or s ould a6e 3no=n 0 e s0a0emen0 H@n re0urn 1or a loan 0 a0 @ a6e re+ei6edOI =as 1alse. 8e1endan0s a6e re+en0l) learned 0 e 0rue na0ure o1 HloansI made ?) ?an3s. 2an3s are reDuired 0o ad ere 0o Penerall) A++e70ed A++oun0in5 Prin+i7les (HPAAPI) and 0 a0 PAAP 1ollo=s an a++oun0in5 rule 0 a0 lies a0 0 e ear0 o1 0 e dou?le#en0r) ?oo33ee7in5 s)s0em +alled 0 e 4a0+ in5 Prin+i7le. Aee 12 FA- R 1%31n(a)(2(A) and 12 -FR R "21. Fnder PAAP, = en a ?an3 a++e70s ?ullion, +oin, +urren+), + e+3s, dra10s, 7romissor) no0es, +redi0 +ard a77li+a0ions or an) o0 er similar ins0rumen0s 1rom +us0omers, and 0 en de7osi0s or re+ords 0 e ins0rumen0s as asse0s, i0 mus0 re+ord o11se00in5 lia?ili0ies 0 a0 ma0+ 0 e ne=l) de7osi0ed asse0s. Fnder PAAP, 0 e lia?ili0ies (8emand 8e7osi0s A++oun0) re7resen0 0 e amoun0s 0 a0 0 e ?an3 o=es 0 e de7osi0ors or +us0omers (i.e., 0 e 1unds a++e70ed 1rom +us0omers). Fnder PAAP, 1unds ad6an+ed 0o 7ur7or0ed H?orro=ersI are +rea0ed ?) ?an3s ?ased u7on 0 e mone0izin5 o1 ne5o0ia?le ins0rumen0s (i.e., 7romissor) no0es, mor05a5e no0es, +redi0 +ard a77li+a0ions, ?onds or an) 0)7e o1 ne5o0ia?le ins0rumen0), and 0 is is done ?) de?i0in5 0 e amoun0 in0o 0 e ?an3s; asse0 a++oun0 and +redi0in5 a lia?ili0) (a 8emand 8e7osi0 A++oun0) merel) 1or 0 e

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

1a+e 6alue o1 0 e eJe+u0ed ne5o0ia?le ins0rumen0, and 0 a0 0 e ?an3 ne6er 0rans1erred an) mone) 1rom i0s o=n a++oun0 or o1 de7osi0ors; a++oun0 0o 1und 0 e 0ransa+0ion. Plain0i11s are ere?) demanded, =i0 i0s ans=er, 0o 7rodu+e 0 e PAPP +om7lian0

a++oun0in5 led5er Ti0le Pa5e and FR 2'4$ s o=in5 0 a0 Plain0i11s N.Q.R 5a6e 8e1endan0s a loan 1rom i0s ne= =or0 a++oun0 ?e1ore 0 e si5nin5 o1 0 e Promissor) No0e or a10er 0 e si5nin5 o1 0 e Promissor) No0e.

8e1endan0s si5ned and eJe+u0ed a ne5o0ia?le ins0rumen0 and un3no=in5l) 5a6e i0 0o Plain0i11s =i0 ou0 +onsidera0ion = o sim7l) mone0ized 0 e Promissor) No0e ?) +redi0in5 ?an3 lia?ili0) (8emand 8e7osi0 A++oun0) in 8e1endan0s; name and Plain0i11s did no0 dis+lose 0 is 1a+0 0o 8e1endan0s 0 a0 0 e ?an3 =as onl) usin5 0 e 6alue o1 0 e 8e1endan0s; o=n de7osi0 (8emand 8e7osi0 A++oun0) 0o 5i6e 0 eir a++oun0 liDuidi0). 4oreo6er, 12 FA- R 1%13 (l)(1) announ+es 0 a0 = en a 7romissor) no0e is de7osi0ed, i0 ?e+omes a +as i0em 0o 0 e ?an3N en+e, 0 e de7osi0or is su77osed 0o 5e0 a re+ei70 1or de7osi0in5 0 e same, = i+ Plain0i11s did no0 7ro6ide 0o 8e1endan0s. 8e1endan0s; undis+losed 8emand 8e7osi0 A++oun0 is no0 in5 more 0 an a + e+3in5 a++oun0 andGor de?i0 +ard 0ransa+0ion = ere 8e1endan0s are a+0uall) 0 e de7osi0or and are en0i0led 0o a6e a++ess 0o =i0 dra=al or usa5e Cus0 li3e an) de7osi0or =ould i1 de7osi0in5 mone) in0o 0 eir o=n + e+3in5 a++oun0. Fnder PAAP, Plain0i11s de7osi0ed 8e1endan0s; Promissor) No0e as a +as i0em and

re+orded said no0e as a lia?ili0) (8emand 8e7osi0 A++oun0) in 0 e ?an3;s 7a)a?les a++oun0 and iden0i1ied 8e1endan0s as 0 e -redi0ors o1 0 e a++oun0 as a se0 o11. Hen+e, 8e1endan0;s Promissor) No0e under 0 e ?an3ru70+) o1 0 e FN@T.8 ATAT.A is =or0 , a0 0 e 6er) leas0, i0s 1a+e 6alue ?e1ore 1ra+0ionaliza0ion. Plain0i11s did no0 ma3e 0 is 1a+0 3no=n 0o 8e1endan0s, and 8e1endan0s =ere =i0 ou0 3no=led5e o1 0 e same a0 0 e 0ime o1 0 e +losin5. .a+ and e6er) 2an3, 4or05a5e -om7an), and Boan Aer6i+er 3no=s 0 is and 0 ere1ore is 0 e Holder in 8ue -ourse o1 FRAF8. A++ordin5 0o 0 e Ri+ mond, QA F.8.RAB R.A.RQ. 2ANU;A ?oo3 en0i0led HY/FR 4/N.Y,I 7a5e se6en, HOdemand de7osi0 a++oun0s are no0 le5al 0enderOI @1 a 7romissor) no0e is le5al 0ender, Plain0i11s s ould a6e a++e70ed i0 0o dis+ ar5e 0 e 4or05a5e and 0 e deal =as done a0 +losin5. Plain0i11s + an5ed 0 e +urren+) 1rom 0 e mone) de7osi0ed, (7romissor) no0e) 0o + e+3

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

?oo3 mone) (lia?ili0) 0 e ?an3 o=es 1or 0 e 7romissor) no0e de7osi0ed) 1or+in5 8e1endan0s 0o la?or 0o 7a) in0eres0 on 0 e eDui0), in real 7ro7er0) (real es0a0e) 0 a0 Plain0i11s re+ei6ed 1or 1ree. T is +os0 =as no0 dis+losed 0o 8e1endan0s in N/T@-. T/ -FAT/4.R R.VF@R.8 2Y A0a0e Ba=, Federal Re5ula0ion W, Fair 8e?0 Pra+0i+es A+0 and Real .s0a0e Ae00lemen0 Pro+edures A+0. T is is 1raud. T e loan a5reemen0 0 a0 Plain0i11s ad 8e1endan0s 0o si5n indi+a0ed a HB/AN.I Plain0i11s

?ro3e 0 a0 a5reemen0. Plain0i11s 0oo3 +on0rol o1 0 e Promissor) No0e =i0 ou0 loanin5 la=1ul mone) or le5al 0ender. Plain0i11s 0 en de7osi0ed 0 e Promissor) No0e in an a++oun0 i0 o7ened under 8e1endan0;s name =i0 ou0 8e1endan0;s 3no=led5e or +onsen0. Plain0i11s =i0 dre= 0 e mone) =i0 ou0

8e1endan0;s au0 oriza0ion or 3no=led5e. Plain0i11s 0 en +laimed 0 a0 + e+3s issued 0o 0 e seller o1 0 e su?Ce+0 7ro7er0) =ere 0 eir 7ro7er0), = i+ is a 1raudulen0 +on6ersion. T e 7romise o1 a loan 1rom Plain0i11s 0o 8e1endan0s =as an illusor) 7romise. 8e1endan0s as no0 re+ei6ed a loan 0o da0e 1rom Plain0i11s and Plain0i11s +anno0 7rodu+e an) do+umen0s 0 a0 =ould s o= 0 a0 i0 5a6e 8e1endan0s a loan o1 la=1ul mone) or le5al 0ender 7rior 0o 8e1endan0s; si5nin5 0 e Promissor) No0e. @1 0 e 7romise o1 ei0 er 7ar0) in +on0ra+0 is illusor), 0 e +on0ra+0 is unen1or+ea?le. Aee <((i,e Pavilion *ou h Florida1 &n,. v. 'sal Produ, s1 &n, ., %4& Ao.2d 3"$ (Fla. A77. 40 8is0., 2''3). 8e1endan0s =ere +oer+ed in0o si5nin5 do+umen0s =i0 ou0 an) 3no=led5e 0 a0 a 1raud and o0 er 1elon) +rimes ad ?een 7er7e0ra0ed u7on 8e1endan0s. 2ased on Plain0i11s +ondu+0, i0 is 5uil0) o1 A+0ual Fraud, -ons0ru+0i6e Fraud, @n0en0ional Fraud, Fraud in 0 e Fa+0um, Fraud in 0 e @ndu+emen0, Fraud in 0 e .Je+u0ion, 2rea+ o1 -on0ra+0, 4a0erial 4isre7resen0a0ion, 8e+ei0, 4ail Fraud, Fn+ons+iona?le -on0ra+0, Non#8is+losure, Ba+3 o1 -on0ra+0 -onsidera0ion, Prand Bar+en), FnCus0 .nri+ men0, 2rea+ o1 Fidu+iar) 8u0), 2an3 .m?ezzlemen0, 2an3 Fraud, Fnla=1ul -on6ersion, and Ra+3e0eerin5. A 7romissor) no0e 1alls under F-- Ar0i+le 3 as a ne5o0ia?le ins0rumen0N o=e6er, on+e i0 is endorsed and se+uri0ized, i0 1alls under F-- Ar0i+les % and & as a se+uri0). Plain0i11s as ille5all) sold 8e1endan0;s Promissor) No0e as an un#re5is0ered se+uri0), an Ae+uri0ies and .J+ an5e (A.-) 6iola0ion.

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

Fnder 0 e F.A. Ae+uri0ies Ba=s, s7e+i1i+all) T e Ae+uri0ies A+0 o1 1&33, 0 e mere o11er 0o

sell a se+uri0) X unless 0 ere is an e11e+0i6e re5is0ra0ion s0a0emen0 on 1ile =i0 0 e A.- 1or 0 e o11er X +an ?e a 1elon) su?Ce+0in5 0 e o11eror 0o a 1i6e#)ear 1ederal 7rison 0erm. Aee 0 e Ae+uri0ies A+0 o1 1&33, Ae+0ion 5(+) Aales and deli6eries a10er sale o1 unre5is0ered se+uri0ies is unla=1ul (Ae+0ion 5(a)) as is 1ailure 0o deli6er a 7ros7e+0us (Ae+0ion 5(?)). T e sellin5 o1 un#re5is0ered se+uri0ies is an au0oma0i+ Ri5 0 o1 Res+ission o1 0 e ori5inal +on0ra+0.

Plain0i11s as also 6iola0ed 1% FA- R 4$2> HW oe6er, =i0 in0en0 0o de1raud, 7asses, u00ers, 7u?lis es, or sells, or a00em70s 0o 7ass, u00er, 7u?lis , or sell, or =i0 li3e in0en0 ?rin5s in0o 0 e Fni0ed A0a0es or 3ee7s in 7ossession or +on+eals an) 1alsel) made, 1or5ed, +oun0er1ei0ed, or al0ered o?li5a0ion or o0 er se+uri0) o1 0 e Fni0ed A0a0es, s all ?e 1ined under 0 is 0i0le or im7risoned no0 more 0 an 2' )ears, or ?o0 I.

Plain0i11s are also in 6iola0ion se+0ion F-- 3#3'2 (+), 1or nei0 er =ere a older in due +ourse> HO a 7erson does no0 a+Duire ri5 0s o1 a older in due +ourse o1 an ins0rumen0 0a3en ?) le5al 7ro+ess or ?) 7ur+ ase in an eJe+u0ion.I Fur0 er, under 0 e 0ene0s o1 F-- %#1'2, 3#1'3($), 3#1'5 and 3#1'"(d), 8e1endan0s are 0 e a+0ual older in due +ourse o1 0 e ori5inal Promissor) No0e, no0 Plain0i11s or an) ser6i+in5 a5en0. T e 1undin5 sour+e 6er) im7li+i0l) ?elon5s 0o 0 e si5nerGma3er o1 0 e Promissor) No0e (no= se+uri0)), = i+ are 0 e 8e1endan0s. Plain0i11s ad no ri5 0 0o sell 0 e Promissor) No0e 1or 0=o reasons. T e Promissor) No0e =as de7osi0ed (12 FA- R 1%13 (l)(1)) and 0 e mone) =as =i0 dra=n =i0 ou0 8e1endan0;s 3no=led5e or au0 oriza0ion andN 0=o, 0 e +on0ra+0 =as ne6er 1ul1illed. Plain0i11s a+0ed =i0 ou0 7ro7er no0i+e 0o 8e1endan0s and =i0 ou0 8e1endan0;s +onsen0 and is in6ol6ed in a 1raud 0 ere?) dama5in5 8e1endan0s. 8ue 0o Plain0i11s +riminal +ondu+0 in 0 e 1irs0 ins0an+e, 0 e ori5inal Promissor) No0e and 4or05a5e -on0ra+0 are 6oid a? ini0ioN en+e, Plain0i11 ne6er ad a 6alid +laim a5ains0 8e1endan0s in 0 e 1irs0 ins0an+e. Plain0i11s are no0 =i0 ou0 1aul0 in 0 is ma00er. Plain0i11s a++e70ed 0 e Promissor) No0e and 4or05a5e =i0 ou0 re+ourseN en+e, i0 a++e70ed 0 e lia?ili0ies 0 a0 are a00a+ ed 0o 0 e ins0rumen0s. Fur0 er, Plain0i11 is =ell a=are o1 o= HloansI are ori5ina0ed. Plain0i11 3ne= or s ould a6e 3no=n 0 a0 0 e Promissor) No0e and 4or05a5e i0 alle5edl) 7ur+ ased are in6alid on 0 e 1a+e

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

sin+e ?an3s and o0 er 1inan+ial ins0i0u0ions 0 a0 in0era+0 =i0 0 e Federal Reser6e A)s0em do no0 lend la=1ul mone) or le5al 0ender in residen0ial 0ransa+0ions, = i+ is 7ro6en ?) 0 e Tru0 #@n# Bendin5 A0a0emen0 5i6en a0 +losin5 (see anneJed .J i?i0 HAI),(3), )e0 Plain0i11 7ro+eeded =i0 0 e 0ransa+0ion o1 1raud 0 ere?) rendin5 Plain0i11 an a++essor) 0o 0 e +rimes +ommi00ed ?) Plain0i11s. Plain0i11s are in 0 e ?usiness o1 7ur+ asin5 and ser6i+in5, amon5 o0 er ins0rumen0s, in6alid residen0ial mor05a5es and no0esGse+uri0ies. T is unla=1ul 7ra+0i+e is rou0ine in 0 e

mor05a5e ?usinessN 0 a0 Plain0i11 3no=in5l) and =illin5l) en5a5ed in 0 e ?usiness o1 a+Duirin5 and ser6i+in5 in6alid residen0ial mor05a5es and no0esGse+uri0ies. @n 0 e Tru0 #in#Bendin5 A0a0emen0, Plain0i11s admi0 0 a0 H+redi0I =as alle5edl) 5i6en 0o 8e1endan0s, no0 la=1ul mone) or le5al 0ender. Fnder 0 e eadin5s Annual Per+en0a5e Ra0e> HT e +os0 o1 )our +redi0 as a )earl) ra0eIN Finan+e - ar5e> HT e dollar amoun0 0 e +redi0 =ill +os0 )ouIN and Amoun0 Finan+ed> HT e amoun0 o1 +redi0 7ro6ided 0o )ou or on )our ?e al1I s o=s 0 a0 +redi0 =as issued, no0 le5al 0ender or la=1ul mone) (em7 asis added). @n 0 e Tru0 #in#Bendin5 A0a0emen0, Plain0i11s admi0s 0 a0 H+redi0I =as alle5edl) 5i6en 0o 8e1endan0s, no0 la=1ul mone) or le5al 0ender. Fnder 0 e eadin5s Annual Per+en0a5e Ra0e> HT e +os0 o1 )our +redi0 as a )earl) ra0eIN

Finan+e - ar5e> HT e dollar amoun0 0 e +redi0 =ill +os0 )ouIN and Amoun0 Finan+ed> HT e amoun0 o1 +redi0 7ro6ided 0o )ou or on )our ?e al1I s o=s 0 a0 +redi0 =as issued, no0 le5al 0ender or la=1ul mone) (em7 asis added). @n 0 e Tru0 #in#Bendin5 A0a0emen0, Plain0i11s admi0 0 a0 H+redi0I =as alle5edl) 5i6en 0o 8e1endan0s, no0 la=1ul mone) or le5al 0ender Fnder 0 e eadin5s Annual Per+en0a5e Ra0e> HT e +os0 o1 )our +redi0 as a )earl) ra0eIN Finan+e - ar5e> HT e dollar amoun0 0 e +redi0 =ill +os0 )ouIN and Amoun0 Finan+ed> HT e amoun0 o1 +redi0 7ro6ided 0o )ou or on )our ?e al1I s o=s +redi0 =as issued, no0 le5al 0ender or la=1ul mone) (em7 asis added). A++ordin5l), = en Plain0i11s said 0 rou5 0 e Tru0 #in#Bendin5 A0a0emen0 0 a0 0 e) 5a6e 8e1endan0s +redi0 (see anneJed .J i?i0 HAI), Plain0i11s mean0 i0 +redi0ed 8e1endan0;s 0ransa+0ion a++oun0, lea6in5 one =i0 0 e 7resum70ion 0 a0 Plain0i11s de7osi0ed o0 er de7osi0ors; mone) in 0 e a++oun0. T e 1a+0 is 0 e) de7osi0ed 8e1endan0;s mone) (0 e 7romissor) no0e) =i0 ou0 7ro6idin5 8e1endan0s a re+ei70. Failin5 0o 7ro6ide 0 e re+ei70 is FRAF8. Plain0i11s or an) assi5n +anno0 +laim i0 o=ns 0 e Promissor) No0e un0il i0 a+0uall) lends 8e1endan0s H0 eirI mone)N 0o da0e, 0 is 0 a0

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

=as no0 done. Plain0i11 a++e70ed Plain0i11s lia?ili0) = en i0 alle5edl) 7ur+ ased 0 e Promissor) No0e and 4or05a5e. Pursuan0 0o 0 e 1ore5oin5 1a+0s and +riminal a+0s o1 1raud and o0 er 1elon) +rimes no0ed erein, .FF.-T@Q. @44.8@AT.BY 8e1endan0s H.R.2Y PF2B@-BY R.Q/U. AN8 R.A-@N8 AN8 4AU. Q/@8 ABB A@PNATFR.A @N-BF8@NP ABB @N@T@ABA, 4ARUA

.T-., all mor05a5e do+umen0s de1endan0s si5ned, in+ludin5 0 e Promissor) No0e, 4or05a5e -on0ra+0 and 0 e Po=er o1 A00orne). THAT 8.F.N8ANT;A R.Q/-AT@/N /F A@PNATFR.A -/NAT@TFT.A

R.A-@AA@/N /F A@PNATFR.. A--/R8@NPBY, AA A R.AFBT /F TH. R.Q/-AT@/NGR.A-@AA@/N /F TH. A@PNATFR.A, TH. PR/4@AA/RY N/T. AN8 4/RTPAP., R.BAT.8 8/-F4.NTA AN8 TH. R.BAT.8 P/W.R /F ATT/RN.Y N/ B/NP.R .S@AT AN8 AA@8 8/-F4.NTA HAQ. N/ B.PAB F/R-. /R .FF.-T 8F. T/ FRAF8. Plain0i11s andGor an) o0 er un3no=n 7ar0) 0 a0 as an in0eres0 in 0 e 4or05a5e -on0ra+0 or Promissor) No0e do no0 a6e a la=1ulGle5al lien a5ains0 8e1endan0;s 7ro7er0). 8e1endan0;s a6e 1ormall) and 7u?li+l) remo6ed 0 e a1oremen0ioned si5na0ures 1or all 0ime and remo6in5 an) neJus 0 a0 Plain0i11 andGor an) assi5n, su++essor, a5en0 or re7resen0a0i6e ma) assume or 7resume 0o a6e o6er 8e1endan0s ?) 6ir0ue o1 Pran0ors; si5na0ures and 0 e Ao+ial Ae+uri0) Num?er assi5ned 0o 8e1endan0s. T a0 8e1endan0s =ai6e and reCe+0 an) and all ?ene1i0s andGor 7ri6ile5es eJ7ressed, im7lied or o0 er=ise arisin5 1rom an) su+ si5na0ures, all su?seDuen0 +on0ra+0s, a5reemen0s or 0rus0(s), 3no=n and un3no=n, resul0in5 1rom 1or+e, under 0 rea0 o1 ?ein5 denied a++ess 0o 8e1endan0;s o=n +redi0 amon5 o0 ers, in6olun0ar) ser6i0ude and 7eona5e ?) ad esion +on0ra+0, +ommi00ed a5ains0 8e1endan0s. Wi0 0 e res+ission o1 8e1endan0;s si5na0ures 1rom all do+umen0s re5ardin5 0 e alle5ed mor05a5e loan 0ransa+0ion due 0o 1raud, 0 e +ase is o6er. Ho=e6er, 8e1endan0s 7resen0s 0 e 1ollo=in5 1a+0s, ne5a0i6e a6ermen0s and ar5umen0s 0o o6er= elmin5l) 7ro6e 0o 0 e -our0 0 a0 i1 8e1endan0s ad no0 res+inded 0 eir si5na0ures due 0o 1raud, 0 a0 0 e 7residin5 <ud5e, i1 o7era0in5 Cus0l) ?e1ore Pod and man, =ould a6e 0o 5ran0 8e1endan0s; 4/T@/N T/ 8@A4@AA

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

-/4PBA@NT W@TH PR.<F8@-.. N/ ATAN8@NP> PBA@NT@FF @N WR/NP -/FRT. Plain0i11 is di6erse 0o 8e1endan0;s 7ursuan0 0o 2% FA- R1332(a) sin+e 8e1endan0;s are 1rom 0 e A0a0e o1 Florida and Plain0i11;s eadDuar0ers is 2A- H/4. B/ANA A.RQ@-@NP, B.P. FGUGA -/FNTRYW@8. H/4. B/AN A.RQ@-@NP P./. 2oJ "5''$' 8allas TS $52"5. Fur0 er, 7ursuan0 0o 2% FA- R1332(a), HL0M e dis0ri+0 +our0s s all a6e ori5inal Curisdi+0ion

o1 all +i6il a+0ions = ere 0 e ma00er in +on0ro6ers) eJ+eeds 0 e sum or 6alue o1 Y$5,''', eJ+lusi6e o1 in0eres0 and +os0s OI /n 0 is 5round alone, 0 is +ase s ould ?e dismissed in 0 is -our0. T e +ase is in 0 e =ron5 +our0. Aee, Fla R.-i6.P. 1.'"1. 8e1endan0s a6e no 3no=led5e, re+ord or ?elie1 0 a0 0 is -@R-F@T -/FRT /F TH. 1%TH <F8@-@AB -@R-F@T in and 1or A.4@N/B. -/FNTY, FB/R@8A as Curisdi+0ion in 0 is su?Ce+0 ma00er, and 8e1endan0s ?elie6es 0 a0 no e6iden+e 0o 0 e +on0rar) eJis0s. T ere is no le5al +on0ro6ers) ?e1ore 0 e -our0. Plain0i11 is no0 a real 7ar0) in in0eres0 in 0 is ma00er. 8e1endan0s a6e o?0ained

do+umen0a0ion 0 a0 Fannie 4ae is 0 e alle5ed HHolder @n 8ue -ourseI o1 a 4or05a5e in 0 e name o1 8e1endan0s. lain0i11, as 0 e ser6i+er, is =i0 ou0 le5al s0andin5 and =i0 ou0 0 e +a7a+i0) 0o en1or+e 0 e Promissor) No0e and 4or05a5e. W en Plain0i11 1iled 0 eir +om7lain0, Plain0i11 did no0 a6e s0andin5 and made ma0erial misre7resen0a0ions in 0 eir 7leadin5s. BAW /FF@-.A /F 8AQ@8 <. AT.RN, P.A. alle5ed +ounsel 1or Plain0i11, +anno0 la=1ull) or le5all) 0es0i1) 0o unsu77or0ed 1a+0s 1or Plain0i11 (see, n. 1 erein). BAW /FF@-.A /F 8AQ@8 <. AT.RN, P.A. is no0 a +om7e0en0 1a+0 =i0ness =i0 7ersonal 3no=led5e o1 0 e 1a+0s in 0 is +ase. Plain0i11 1iled i0s +om7lain0 on or a?ou0 <une 25, 2''& and a0 0 e 0ime Plain0i11 1iled 0 e +om7lain0 i0 did no0 +om7lain0. 8e1endan0;s si5na0ure on 0 e alle5ed H/ri5inal No0eI and H/ri5inal 4or05a5eI @A N/T 0 e si5na0ure o1 8e1endan0s, and 8e1endan0s denies 0 e same. 8e1endan0s a6e no0 ?een 7resen0ed =i0 a++ess 0o 6alida0e 0 e HTRF.I Promissor) No0e a6e s0andin5, and Plain0i11 made ma0erial misre7resen0a0ions in 0 e

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

and 4or05a5e 1rom Plain0i11 0o da0e. 8e1endan0s a6e no0 ?een 7resen0ed =i0 a++ess 0o 6alida0e Allon5e(s), Ti0le Pa5e(s) o1 0 e admissi?le 7roo1 o1 o= Plain0i11 a+Duired 0 e Promissor) No0e and 4or05a5e. T e mo6an0 mus0 0ender e6iden+e, ?) 7roo1 in admissi?le 1orm, 0o es0a?lis 0 e +ause o1 a+0ion su11i+ien0l) 0o =arran0 0 e +our0 as a ma00er o1 la= in dire+0in5 Cud5men0. Failure 0o ma3e su+ s o=in5 reDuires 0 e denial o1 0 e mo0ion, re5ardless o1 0 e

su11i+ien+) o1 0 e o77osin5 7a7ers. A +on+lusor) a11ida6i0, or an a11ida6i0 ?) a 7erson = o as no 7ersonal 3no=led5e o1 0 e 1a+0s, +anno0 es0a?lis a prima (a,ie +ase. A mere +on+lusor) asser0ion o1 a 1a+0, =i0 ou0 an) e6iden0iar) ?asis, is insu11i+ien0. W en 0 e a11ian0 relies on do+umen0s, 0 e do+umen0s relied u7on mus0 ?e anneJed, and 0 e a11ian0 mus0 es0a?lis an adeDua0e e6iden0iar) ?asis 1or 0 em. Aee Florida /ep . o( Fin. *ervs. v. 'sso,. &ndus. &ns. Co., %"% Ao.2d "'' (Fla. 1s0 8-A 2''4). 4ere su?mission o1 do+umen0s =i0 ou0 an) iden0i1i+a0ion or au0 en0i+a0ion is inadeDua0e. W en 0 e mo6an0 see3s 0o a6e 0 e -our0 +onsider a ?usiness re+ord, 0 e 7ro7onen0 mus0 es0a?lis 0 a0 i0 mee0s 0 e e6iden0iar) reDuiremen0s 1or a ?usiness re+ord, ?), 1or eJam7le, a6in5 a +or7ora0e o11i+er s=ear 0o 0 e au0 en0i+i0) and 5enuineness o1 0 e do+umen0. TH. PR/4@AA/RY N/T. F@B.8 2Y PBA@NT@FF;A 8.F.N8ANTA; PR/4@AA/RY N/T.. 8.F.N8ANTA; PR/4@AA/RY N/T. HAA 2..N AT/B.N. T e 7ro+eeds o1 0 e Promissor) No0e s ould a6e ?een +redi0ed 0o 8e1endan0;s a++oun0 and 0 e alle5ed loan =ould ?e 7aid in 1ull 7lus mone) le10 o6er. A++ordin5 0o 0 e 4or05a5e a5reemen0 1iled ?) Plain0i11s; +ounsel in 0 is +ase, 0 e Promissor) No0e +ould ?e sold 0o a ser6i+er, ?u0 0 ere is no 7ro6ision in 0 e a5reemen0 0o allo= Plain0i11s 0o al0er 0 e Promissor) No0e 0o sell i0, nor is 0 ere a 7ro6ision 0o allo= 0 e ?u)ers o1 0 e Promissor) No0e 0o ma3e mone) o11 o1 8e1endan0s; +redi0 =i0 ou0 no0i+e and +onsen0. T is is no0 a si0ua0ion = ere 0 e rela0ions i7 ?e0=een 0 e 7ro7onen0 o1 0 e re+ord and 0 e ma3er o1 0 e re+ord 5uaran0ees 0 e relia?ili0) o1 0 e re+ords, su+ as = ere 0 e ma3er o1 0 e re+ord =as a+0in5 on ?e al1 o1 0 e 7ro7onen0 and in a++ordan+e =i0 i0s reDuiremen0s = en ma3in5 0 e re+ords, or = ere 0 e 7ro7onen0 o1 0 e re+ords relies +on0em7oraneousl) on 0 e a++ura+) o1 0 e -/FNA.B @A N/T

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

o0 er en0i0);s re+ords 1or 0 e +ondu+0 o1 i0s o=n ?usiness. Here, 0 ere is no e6iden+e 0 a0 0 ere =as an) rela0ions i7 ?e0=een Plain0i11s and 8e1endan0s a0 0 e 0ime 0 a0 0 e re+ords =ere +rea0ed. Plain0i11;s use o1 0 e Promissor) No0e and 4or05a5e =i0 ou0 a su77or0in5 a11ida6i0 runs +oun0er 0o a lon5 line o1 Florida and 1ederal Curis7ruden+e oldin5 0 a0 uns=orn and

unau0 en0i+a0ed do+umen0s +anno0 ?e used ei0 er 0o 5ran0 or den) summar) Cud5men0. Aee Firs )nion =a .-l +an% o( Fla., $%5 Ao.2d a0 5&1, s0a0in5 0 a0 (Hmerel) a00a+ in5 an uns=orn

do+umen0, 0o a mo0ion 1or summar) Cud5men0 does no0, =i0 ou0 more, sa0is1) 0 e 7ro+edural s0ri+0ures in eren0 in Florida Rule o1 -i6il Pro+edure 1.51'(e).I)N +i(ul,o v. * a e Farm !u . 'u o. &ns. Co., "&3 Ao.2d $'$, $'& (Fla. 40 8-A 1&&$) (H4erel) a00a+ in5 do+umen0s = i+ are no0 Zs=orn 0o or +er0i1ied; 0o a mo0ion 1or summar) Cud5men0 does no0, =i0 ou0 more, sa0is1) 0 e 7ro+edural s0ri+0ures in eren0 in rule 1.51'(e), Florida Rules o1 -i6il Pro+edure. 4oreo6er, rule 1.51'(e) ?) i0s 6er) lan5ua5e eJ+ludes 1rom +onsidera0ion on a mo0ion 1or summar) Cud5men0, an) do+umen0 0 a0 is no0 one o1 0 e enumera0ed do+umen0s or is no0 a +er0i1ied a00a+ men0 0o a 7ro7er a11ida6i0.I)(1oo0no0e omi00ed)N "arris v. >ilson, "5" Ao.2d 512, 51"#1$ (Fla. 1s0 8-A 1&&5)(HT e lan5ua5e o1 rule 1.51', Florida Rules o1 -i6il Pro+edure, re1le+0s a +lear in0en0 0o allo= +our0s 0o +onsider onl) 0 a0 in1orma0ion = i+ as ?een ei0 er admi00ed ?) 0 e 7ar0ies (i.e.,

admissions, in0erro5a0ories, or ans=ers) or = i+ es0a?lis es 0 e eJis0en+e or noneJis0en+e o1 ma0erial 1a+0s in dis7u0e 0 rou5 a11ida6i0s and in1orma0ion = i+ as ?een 0imel) 7resen0ed. T e

do+umen0s su?mi00ed ?) 0 e Plain0i11s; +ounsel do no0 +om7or0 =i0 0 is in0en0 o1 0 e rule as 0 e) =ere no0 0imel) 1iled nor =ere 0 e) a++om7anied ?) an a11ida6i0. No a++om7an)in5 a11ida6i0 =as 7ro6ided =i0 0 ose do+umen0s, and 0 e onl) dis+ussion +on+ernin5 = a0 0 e) alle5edl) As su+ , su?mission o1 0 e

re7resen0ed =as ?) 0 e a00orne) in 0 eir o=n memorandum.

do+umen0s =as no0 in +om7lian+e =i0 rule 1.51', Florida Rules o1 -i6il Pro+edure.I)N Tunnell v. "i,%s, 5$4 Ao.2d 2"4, 2"" (Fla. 1s0 8-A 1&&1)(HT e 8e+lara0ion o1 For1ei0ure =as unau0 en0i+a0ed and =as no0 1iled 7rior 0o 0 e earin5, 7ursuan0 0o rule 1.51'(+). T e +o7) o1 0 e le00er 1rom =as an unau0 en0i+a0ed eJ i?i0 a00a+ ed 0o 0 e mo0ion 0o dismiss, = ereas 0 e 7ro6isions o1 rule 1.51'(+) reDuire 0 e +our0, in de0erminin5 0 e 7ro7rie0) o1 a mo0ion 1or summar) Cud5men0, 0o +onsider onl) Z7leadin5s, de7osi0ions, ans=ers 0o in0erro5a0ories and admissions on 1ile 0o5e0 er =i0 a11ida6i0s.; Tunnell 1ailed 0o a00a+ ei0 er do+umen0 0o a11ida6i0s 0 a0 7resuma?l) =ould a6e ensured 0 eir admissi?ili0).I) (+i0a0ions omi00ed)N -. WR@PHT, A.

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

4@BB.R : 4. UAN., F.8.RAB PRA-T@-. : PR/-.8FR. R 2$22 (1&%3) (under 0 e +om7ara?le 1ederal rule, eJ i?i0s ma) ?e +onsidered onl) i1 au0 en0i+a0ed ?) and made 7ar0 o1 an a11ida6i0)N Ed.ard +. !ar%s !usi, Corp. v. * asny !usi, Corp., 1 F.R.8. $2' (A.8.N.Y.1&41) (-our0 +orre+0l) did no0 +onsider le00er 0 a0 =as nei0 er au0 en0i+a0ed nor a00a+ ed 0o a11ida6i0). N/ ATAN8@NP> PBA@NT@FF N/T /WN.R /F 4/RTPAP. N/T. Plain0i11 as no0 7resen0ed 7roo1 o1 assi5nmen0 0o 0 e 4or05a5e No0e andGor 4or05a5e

1rom Fannie 4ae. Wi0 ou0 7roo1 o1 assi5nmen0, Plain0i11 does no0 a6e s0andin5 in 0 is ma00er. Aee, Fla.R.-i6.P. $'1.'2. A0 0 e 1ilin5 o1 0 e +om7lain0, 0 e onl) alle5ed 7roo1 o1 Plain0i11;s o=ners i7 o1 0 e 4or05a5e No0e and 4or05a5e +omes 1rom Plain0i11;s alle5ed +ounsel, no0 1rom Plain0i11 or 1rom an au0 en0i+a0ed su77or0in5 do+umen0. -our0s a6e eld 0 a0 a 7ar0);s la+3 o1 s0andin5 is a de1e+0 0 a0 +anno0 ?e +ured ?) a+Duirin5 0 e ri5 0 o1 s0andin5 a10er a+0ion as alread) ?een 1iled. Aee ?.al ney o( *mi h(ield1 L d v. Chesapea%e +ay Founda ion1 &n,., 4%4 F.A. 4&, "& (1&%$) (A+alia, <., +on+urrin5)(Au?Ce+0 ma00er Curisdi+0ion de7ends on 0 e s0a0e o1 0 in5s a0 0 e 0ime o1 0 e a+0ion ?rou5 0). Aee also Progressive E0p. &ns. Co., &13 Ao.2d 12%1. -om7are 0o /asma &nves men s1 LLC v. Real y 'sso,. Fund &&&1 LP, 45& F. Au77. 2d 12&4, 13'2 (A.8. Fla.,2''")(Par0) suin5 on Promissor) No0e mus0 ?e in a+0ual 7ossession o1 0 e ori5inal no0e 0o a6e s0andin5). @1 Plain0i11s are some o= de0ermined 0o ?e 0 e real 7ar0) in in0eres0 in 0 is ma00er, Plain0i11s 1ailed 0o 7resen0 (8e1endan0s reDues0 0 a0 Plain0i11s 7resen0 0 e 1ollo=in5 do+umen0s =i0 i0s ans=er 0o 0 is mo0ion)>

a. -er0i1ied 7roo1 0o s o= 0 e da0e Plain0i11s +ame in0o 7ossession o1 0 e 4or05a5e

No0e sin+e Fannie 4ae is 0 e alle5ed older o1 0 e 4or05a5e No0e.

?. A +o7) o1 Ti0le Pa5e 0o 0 e 4or05a5e No0e, 0 e 1ron0 and ?a+3 o1 0 e 4or05a5e No0e
and all allon5esGassi5nmen0s 0 a0 =ill s o= 0 e is0or) o1 0 e 4or05a5e No0e 0o es0a?lis + ain o1 0i0le.

+. T e 2'4" ?alan+e s ee0 as i0 rela0es 0o 0 e ori5inal loan, = i+ =ill s o= 0 e

led5erin5 o1 0 e a++oun0 1rom ?e5innin5 0o 7resen0 and =ill s o= = en Plain0i11 0oo3 o6er 0 e a++oun0 1rom Fannie 4ae.

d. T e 424(?)(5) 7ros7e+0us (se+uri0) 1ilin5)N i1 Plain0i11 is older in due +ourse, 0 e

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

Ae+uri0) .J+ an5e -ommission s ould 3no= a?ou0 i0 sin+e 0 e 4or05a5e No0e as ?een 0rans1ormed in0o a se+uri0).

e. Plain0i11s 1ailed 0o 7resen0 0 e @RA 1'&&/@8 and 1'&&A re7or0s 0 a0 =ill iden0i1) = o
0 e 7rin+i7al is 1rom, = i+ +a7i0al and in0eres0 =as 0a3en, and = o 0 e re+i7ien0 or 7a)er o1 0 e 1unds are, and = o is oldin5 0 e a++oun0 in es+ro=, unadCus0ed.

1. T e A3#A Re5is0ra0ion A0a0emen0 under 0 e Ae+uri0ies A+0 o1 1&33> T is re7or0 =ill

s o= = en and = ere 0 e 4or05a5e No0e (se+uri0)) =as sold.

5. All o1 0 e a1oremen0ioned i0ems a6e /42 Po6ernmen0 Re1eren+e num?ers and as

su+ are reDuired 7rodu+0ion under 0 e Pri6a+) A+0.

. FAA2 (Finan+ial A++oun0in5 A0andards 2oard) 7ar0 o1 PAAP (Penerall) A++e70ed

A++oun0in5 A0andards)> FAA2 133, 14', 5, &5. T ese =ill dire+0 0 e audi0or 0o 0 e lia?ili0) side o1 0 e H+redi0or;sI ?oo3s and also +rea0es 0 e 0rail o1 eJa+0l) = ere 0 e mone) +ame 1rom, = ere i0 =en0, and = o as a ?ene1i+ial in0eres0 in 0 e se+uri0). T ese su77or0in5 re+ords 0 a0 =ould s o= o=ners i7 o1 0 e se+uri0), 7ar0i+ulari0) FAA2 14' (A++oun0in5 1or Trans1ers and Aer6i+in5 o1 Finan+ial Asse0s and .J0in5uis men0s o1 Bia?ili0ies)

i. A +er0i1ied +o7) o1 0 e ?ond 0 a0 Plain0i11 7ur+ ased 0o insure 0 is Hloan,I and

+o7ies o1 an) 7a)men0s made 0o da0e. Plain0i11s are see3in5 1ore+losure =i0 ou0 an assi5nmen0 in 0 e re+ord, =i0 ou0 0 e e6iden+e o1 a + ain o1 assi5nmen0 a0 0ime o1 1ilin5 sui0 +ons0i0u0es a H1alse, de+e70i6e, or misleadin5 re7resen0a0ion or meansI in +onne+0ion =i0 0 e +olle+0ion o1 de?0, in 6iola0ion o1 0 e Federal Fair 8e?0 -olle+0ion Pra+0i+es A+0, 15 F.A.-. R1"&2(e) and 0 a0 as o++urred in 0 is +ase. Plain0i11s did no0 o=n or old 0 e su?Ce+0 4or05a5e No0e (ori5inal) a0 0 e 0ime Plain0i11 1iled 0 is 1ore+losure a+0ion, and Plain0i11s =ere 1ull) a=are o1 0 is la+3 o1 o=ners i7, and i0s la+3 o1 s0andin5 a0 0 e 0ime o1 0 e +ommen+emen0 o1 0 is a+0ion. Plain0i11s 1ur0 er 1ailed 0o es0a?lis in an) o1 i0s 7a7ers or 1ilin5s 0 a0 i0 o=ned or eld 0 e 4or05a5e No0e or 0 e 4or05a5e a0 0 e +ommen+emen0 o1 0 is a+0ion. @n addi0ion, Plain0i11s 6e no0 as o1 0 is da0e re7lied 0o 0 e reDues0s o1 8e1endan0s in re5ard 0o 7a7er=or3 1iled reDues0s 1or 7rodu+0ion as o1 No6em?er ", 2''&. T ese reDues0s a6e 5one unno0i+ed.

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

@n 0 is +ase, 0 e -our0 is =i0 ou0 Curisdi+0ionN Plain0i11 as 7er7e0ra0ed a 1raud u7on 0 is

-our0 in 0 is a+0ion as se0 ou0 erein. T e in0e5ri0) o1 0 e +i6il li0i5a0ion 7ro+ess de7ends on 0 e 0ru0 1ul dis+losure o1 1a+0s. !e ropoli an /ade Coun y v. !ar inson, $3" Ao.2d $&4 (Fla. 3Kd 8-A 1&&&), 'ndre.s v. Palmas /e !a@or,a Condo, %&% Ao.2d 1'"" (Fla. 50 8-A 2''5). Plain0i11;s a+0ions undermine 0 e in0e5ri0) o1 0 is +i6il li0i5a0ion 7ro+ess.

A 0rial +our0 as 0 e in eren0 au0 ori0), =i0 in 0 e eJer+ise o1 sound Cudi+ial dis+re0ion, 0o dismiss an a+0ion and s0ri3e an order = en a 7lain0i11 as 7er7e0ra0ed a 1raud or made

misre7resen0a0ions 0o 0 e -our0. 'rAuman v. *uad, %43 Ao.2d &5' (Fla. 40 8-A 2''3), Piunno v. R.F. Con,re e Cons r., @n+., &'4 Ao.2d "5% (Fla. 40 8-A 2''5). A 7ar0) 5uil0) o1 1raud or mis+ondu+0 in 0 e 7rose+u0ion o1 a +i6il 7ro+eedin5 s ould no0 ?e 7ermi00ed 0o +on0inue 0o em7lo) 0 e Cudi+iar) 0o a+ ie6e i0s ends = ere de1endan0 as3s 0 is +our0 1or immedia0e relie1 and 7ro0e+0ion. 'ndre.s v. Palmas /e !a@or,a Condo, %&% Ao.2d 1'"" (Fla. 50 8-A 2''5). Plain0i11;s la+3 o1 o=ners i7 o1 0 e 4or05a5e No0e and 0 e 4or05a5e in 0 is +ase 5oes 0o 0 e ear0 o1 i0s +laim o1 s0andin5, 7ermea0es 0 e en0ire 7ro+eedin5 and su?6er0s 0 e in0e5ri0) o1 0 e rd

a+0ion. !e ropoli an /ade Coun y v. !ar nsen, $3" Ao.2d $&4 (Fla. 3

8-A 1&&&).

@0 is a77ro7ria0e 1or 0 e 0rial +our0 0o dismiss an a+0ion ?ased on 1raud, = ere 0 ere is a ?la0an0 s o=in5 o1 1raud, 7re0ense, +ollusion, or o0 er similar =ron5doin5. /is e(ano v. * a e Farm !u ual 'u omobile &ns. Co., %4" Ao.2d 5$2, 5$4 (Fla. 1s0 8-A 2''3). Rule 1.21'(a) o1 0 e Florida Rules o1 -i6il Pro+edure 7ro6ides in 7er0inen0 7ar0> .6er) a+0ion ma) ?e 7rose+u0ed in 0 e name o1 0 e real 7ar0) in in0eres0, ?u0 a 7ersonal re7resen0a0i6e, adminis0ra0or, 5uardian, 0rus0ee o1 an eJ7ress 0rus0, a 7ar0) =i0 = om or in = ose name a +on0ra+0 as ?een made 1or 0 e ?ene1i0 o1 ano0 er, or a 7ar0) eJ7ressl) au0 orized ?) s0a0u0e ma) sue in 0 a0 7erson;s o=n name =i0 ou0 Coinin5 0 e 7ar0) 1or = ose ?ene1i0 0 e a+0ion is ?rou5 0. Plain0i11s mee0 none o1 0 e s0andin5 +ri0eria se0 1or0 in 0 e s0a0u0e. A0andin5 reDuires 0 a0 0 e 7ar0) 7rose+u0in5 0 e a+0ion a6e a su11i+ien0 s0a3e in 0 e ou0+ome and 0 a0 0 e 7ar0) ?rin5in5 0 e +laim ?e re+o5nized in 0 e la= as ?ein5 a real 7ar0) in in0eres0 en0i0led 0o ?rin5 0 e +laim. T is en0i0lemen0 0o 7rose+u0e a +laim in Florida +our0s res0

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

eJ+lusi6el) in 0 ose 7ersons 5ran0ed ?) su?s0an0i6e la=, 0 e 7o=er 0o en1or+e 0 e +laim. #umar Corp. v. =opal Lines1 L d, .0 al, 4"2 Ao.2d 11$% (Fla. 3d 8-A 1&%5). No Florida +ase olds 0 a0 a se7ara0e en0i0) +an main0ain sui0 on a no0e 7a)a?le 0o ano0 er en0i0) unless 0 e reDuiremen0s o1 Rule 1.21'(a) o1 0 e Florida Rules o1 -i6il Pro+edure and a77li+a?le Florida la= are me0. Cor,oran v. +rody1 34$ Ao.2d "%& (Fla. 40 8-A 1&$$). HT e de0ermina0ion o1 s0andin5 0o sue +on+erns a +our0Ks eJer+ise o1 Curisdi+0ion 0o ear

and de+ide 0 e +ause 7led ?) a 7ar0i+ular 7ar0).I Rogers B Ford Cons r. Corp. v. Carlandia Corp ., "2" Ao.2d 135', (Fla. 1&&3). -our0s a6e eld 0 a0 a 7ar0);s la+3 o1 s0andin5 is a de1e+0 0 a0 +anno0 ?e +ured ?) a+Duirin5 0 e ri5 0 o1 s0andin5 a10er a+0ion as alread) ?een 1iled. Aee ?.al ney o( *mi h(ield1 L d v. Chesapea%e +ay Founda0ion, @n+., 4%4 F.A. 4&, "& (1&%$) (A+alia, <., +on+urrin5) (Au?Ce+0 ma00er Curisdi+0ion de7ends on 0 e s0a0e o1 0 in5s a0 0 e 0ime o1 0 e a+0ion ?rou5 0). Aee also Progressive E0p. &ns. Co., &13 Ao.2d 12%1. -om7are 0o /asma &nves men s1 LLC v. Real y 'sso,. Fund &&&1 LP, 45& F. Au77. 2d 12&4, 13'2 (A.8. Fla., 2''") (Par0) suin5 on Promissor) No0e mus0 ?e in a+0ual 7ossession o1 0 e ori5inal no0e 0o a6e s0andin5). 2ased on 0 e 1ore5oin5, 0 e +om7lain0 mus0 ?e dismissed, =i0 7reCudi+e, sin+e Plain0i11 as 7ro+eeded in 0 is ma00er =i0 un+lean ands. V. NO STANDIN 0 NO IN.URY IN FACT Re+en0 de+isions o1 man) +our0s 1rom around 0 e +oun0r) 1rom s0a0e +our0s, 1ederal dis0ri+0 +our0s and ?an3ru70+) +our0s a6e +aused a+0ions su+ as 0 e 7resen0 0o ?e dismissed 1or 1ailure 0o s0a0e a +laim and 1or 1ailure 0o asser0 an inCur) in 1a+0. @n 0 e unli3el) e6en0 0 e -our0 rules 0 a0 Plain0i11s are a real 7ar0) =i0 dire+0 in0eres0 in 0 e 4or05a5e No0e and 4or05a5e, 0 e ins0an0 1ore+losure a+0ion s0ill mus0 ?e dismissed, =i0 7reCudi+e, 1or 0 e 1ollo=in5 reason> T ere is no e6iden+e in 0 e +om7lain0 or in 0 e re+ord = a0soe6er 0 a0 Plain0i11s +laimed Han inCur) in 1a+0.I Ar0i+le @@@ o1 0 e -ons0i0u0ion limi0s 0 e HCudi+ial 7o=erI 0o 0 e resolu0ion o1 H+asesI and H+on0ro6ersies.I /ne elemen0 o1 0 e H?edro+3I +ase#or#+on0ro6ers) reDuiremen0 is T a0 Plain0i11s mus0 es0a?lis 0 a0 0 e) a6e s0andin5 0o sue. Raines v. +yrd, 521 F.A. %11, (1&&$). A 7ar0) as s0andin5 = en e or s e as a su11i+ien0 s0a3e in a Cus0i+ia?le +on0ro6ers) Aierra -lu? 6. 4or0on, 4'5 F.A. $2$, (1&$2).

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

To es0a?lis s0andin5 i0 mus0 ?e s o=n 0 a0 0 e 7ar0) su11ered inCur) in 1a+0 (e+onomi+ or

o0 er=ise) 1or = i+ relie1 is li3el) 0o ?e redressed and, in non#+ons0i0u0ional si0ua0ions, 0 a0 0 e in0eres0 sou5 0 0o ?e 7ro0e+0ed 1alls =i0 in a s0a0u0or) or +ons0i0u0ional 5uaran0ee. Calley Forge Chris ian College v. 'meri,ans )ni ed (or *epara ion o( Chur,h and * a e1 454 F.A. 4"4, 4$1 (1&%2)N 'sso,ia ion o( /a a Pro,essing *ervi,e <rganiAa ions1 &n,. v. Camp , 3&$ F.A. 15' (1&$')N Ri,%man v. >hi ehurs , $3 Fla. 152, 15$, $4 Ao. 2'5, 2'$ (1&1$)N ?odheim v. Ci y o( Tampa, 42"

Ao. 2d 1'%4, 1'%"#%% (Fla. 2d 8-A 1&%3). T e inCur) mus0 ?e dis0in+0 and 7al7a?le. >ar h v. *eldin, 422 F.A. 4&', 5'1 (1&$5). @0 ma) no0 ?e a?s0ra+0, +onCe+0ural or )7o0 e0i+al. 'llen v. >righ , 4"% F.A. $3$, $41 (1&%4). @n 0 e ordinar) +ourse, a li0i5an0 mus0 asser0 is or er o=n le5al ri5 0s and in0eres0s, and +anno0 res0 a +laim 0o relie1 on 0 e le5al ri5 0s or in0eres0s o1 0 ird 7ar0ies. Po.ers v. <hio, 4&& F.A. 4'', 41' (1&&1). T e li0i5an0 mus0 a6e su11ered an HinCur) in 1a+0,I 0 us 5i6in5 im or er a Hsu11i+ien0l) +on+re0e in0eres0I in 0 e ou0+ome o1 0 e issue in dis7u0e. *ingle on v. >ul((, 42% F.A. 1'" (1&$")N see also 'la,hua Coun y v. *,harps, %55 Ao.2d 1&5 (Fla.A77. 1s0 8is0., 2''3) (HPenerall), 0o a6e s0andin5 0o ?rin5 an a+0ion 0 e 7lain0i11 mus0 alle5e 0 a0 e as su11ered or =ill su11er a s7e+ial inCur)I). 4oreo6er, and a5ain, 0 e 7lain0i11s mus0 es0a?lis an a+0ual le5al s0a3e in 0 e ma00er ?ein5 adCudi+a0ed (i.e., a real 7ar0) in in0eres0), = i+ is normall) 6ia 0 e ori5inal +on0ra+0(s) or o0 er +om7e0en0 e6iden+e. T is =as no0 done in 0 e ins0an0 +ase ?ased on 0 e re+ord in 0 is ma00er. Hen+e, H0 e reDuiremen0 o1 s0andin5 O as a +ore +om7onen0 deri6ed dire+0l) 1rom 0 e

-ons0i0u0ion. A 7lain0i11 mus0 alle5e inCur) 1airl) 0ra+ea?le 0o 0 e de1endan0;s alle5edl) unla=1ul +ondu+0 and li3el) 0o ?e redressed ?) 0 e reDues0ed relie1I (see 'llen v. >rig 0, 4"% F.A. $3$, $51 (1&%4)N em7 asis added). -onseDuen0l), s0andin5 +onsis0s o1 0=o a?solu0el) essen0ial elemen0s (THAT AR. 4@AA@NP FR/4 TH. @NATANT -AA.)> (A) 6iola0ion o1 a le5al ri5 0, and (2) 7ersonal inCur) +aused ?) 8e1endan0s. Plain0i11 as no0 +laimed ei0 er in 0 is ma00er[ T ere is no la=, s0a0u0e, +ode or rule 0 a0 =ill 5i6e Plain0i11 a ri5 0 0o 1ore+losure =i0 ou0 7ro7er and la=1ul s0andin5 ?e1ore a -our0. W en s0andin5 is raised as an issue, 0 e 0rial +our0 mus0 de0ermine = e0 er 0 e 7lain0i11 as a su11i+ien0 in0eres0 a0 s0a3e in 0 e +on0ro6ers) 0 a0 =ill ?e a11e+0ed ?) 0 e ou0+ome o1 0 e

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

li0i5a0ion. Fo0 v. Pro(Dl >re,%er <pera ors o( Fla.1 &n,., %'1 Ao. 2d 1$5, 1$% (Fla. 50 8-A 2''1). T is -our0 mus0 address 0 e s0andin5 issue, = i+ 5oes 0o 0 e ear0 o1 su?Ce+0#ma00er Curisdi+0ion. ;ones v. /ep- o( Revenue, 523 Ao. 2d 1211 (Fla. 1s0 8-A 1&%%). (H2e1ore rea+ in5 0 e meri0s o1 a77ellan0Ks + allen5e, o=e6er, i0 is 1irs0 ne+essar) 0o de0ermine = e0 er a77ellan0 ad s0andin5 0o + allen5e 0 e +ons0i0u0ionali0) o1 0 e s0a0u0e.I). A++ordin5l), ?ased on 0 e +om7lain0 and 0 e 1ore5oin5, 0 e ins0an0 +om7lain0 mus0 ?e

dismissed, =i0 7reCudi+e. VI. NE ATIVE AVERMENTS 8e1endan0s are no0 in re+ei70 o1, nor in 7ossession o1, nor as 1irs0# and 3no=led5e o1 an) +er0i1ied do+umen0(s) or o0 er relia?le in1orma0ion, a5reemen0, la= or s0a0u0e 0 a0 6eri1ies 0 a0 8e1endan0s +anno0 re6o3e, res+ind, and 0ermina0e all o1 0 eir si5na0ures rela0in5 0o an)Gall said 4or05a5e No0e and 4or05a5e do+umen0s, o0 er +on+urren0 a5reemen0s and 7o=er o1 a00orne)s nun+ 7ro 0un+ 1rom 0 eir in+e70ion, 0 ere?) renderin5 said do+umen0s, +on0ra+0s and 0rus0 a5reemen0s void ab ini io in 0 is ma00er. 8e1endan0s are no0 in re+ei70 o1, nor in 7ossession o1, nor as 1irs0# and 3no=led5e o1 an) +er0i1ied do+umen0(s) or o0 er relia?le in1orma0ion, a5reemen0, la= or s0a0u0e 0 a0 6eri1ies 0 a0 Plain0i11 is 0 e +redi0or 0 a0 HloanI 8e1endan0s la=1ul mone) or le5al 0ender, and 8e1endan0s ?elie6e 0 a0 no e6iden+e 0o 0 e +on0rar) eJis0s. 8e1endan0s are no0 in re+ei70 o1, nor in 7ossession o1, nor as 1irs0# and 3no=led5e o1 an) +er0i1ied do+umen0(s) or o0 er relia?le in1orma0ion, a5reemen0, la= or s0a0u0e 0 a0 6eri1ies 0 a0 Plain0i11s did no0 en5a5e in A+0ual Fraud, -ons0ru+0i6e Fraud, @n0en0ional Fraud, Fraud in 0 e Fa+0um, Fraud in 0 e @ndu+emen0, Fraud in 0 e .Je+u0ion, 2rea+ o1 -on0ra+0, 4a0erial

4isre7resen0a0ion, 8e+ei0, 4ail Fraud, -on0ra+0, Non#8is+losure, Ba+3 o1 -on0ra+0 -onsidera0ion, Prand Bar+en), FnCus0 .nri+ men0, 2rea+ o1 Fidu+iar) 8u0), 2an3 .m?ezzlemen0, 2an3 Fraud, Fnla=1ul -on6ersion, and Ra+3e0eerin5, and 8e1endan0s ?elie6e 0 a0 no e6iden+e 0o 0 e +on0rar) eJis0s. 8e1endan0s are no0 in re+ei70 o1, nor in 7ossession o1, nor as 1irs0# and 3no=led5e o1 an) +er0i1ied do+umen0(s) or o0 er relia?le in1orma0ion 0 a0 6eri1ies 0 a0 Plain0i11s did no0 sell 0 e 4or05a5e No0e si5ned ?) 8e1endan0s as an un#re5is0ered se+uri0) in 6iola0ion o1 T e Ae+uri0ies A+0 o1 1&33 and o0 er A0a0e and Federal au0 ori0ies, and 8e1endan0s ?elie6e 0 a0 no e6iden+e 0o

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

0 e +on0rar) eJis0s. 8e1endan0s are no0 in re+ei70 o1, nor in 7ossession o1, nor as 1irs0# and 3no=led5e o1 an) +er0i1ied do+umen0(s) or o0 er relia?le in1orma0ion, a5reemen0, la= or s0a0u0e 0 a0 6eri1ies 0 a0 8e1endan0s are no0 0 e older in due +ourse in 0 is ma00er re5ardin5 4or05a5e No0e, and

8e1endan0s ?elie6es 0 a0 no e6iden+e 0o 0 e +on0rar) eJis0s. 8e1endan0s a6e no re+ord or admissi?le e6iden+e 0 a0 Plain0i11 is 0 e o=ner o1 0 e

/ri5inal, Fnal0ered 4or05a5e No0e and 4or05a5e, and 8e1endan0s ?elie6es 0 a0 no e6iden+e 0o 0 e +on0rar) eJis0s. 8e1endan0s a6e no0 ?een 7resen0ed =i0 an) e6iden+e 0 a0 s o=s 0 a0 8e1endan0s are no0 0 e 0rue Bender o1 0 e alle5ed ini0ial loan. 8e1endan0s are no0 in re+ei70 o1, nor in 7ossession o1, nor as 1irs0# and 3no=led5e o1 an) +er0i1ied do+umen0(s) or o0 er relia?le in1orma0ion es0a?lis in5 0 a0 8e1endan0s are no0 0 e 0rue Bender and 0 a0 Plain0i11s are no0 0 e 2orro=er re5ardin5 0 e alle5ed Hloan,I and 8e1endan0s ?elie6e 0 a0 no e6iden+e 0o 0 e +on0rar) eJis0s. 8e1endan0s a6e no re+ord or e6iden+e 0 a0 Plain0i11 1iled a F--1 Finan+in5 A0a0emen0 0o Cus0i1) a 6alid lien, and 8e1endan0s ?elie6es 0 a0 no e6iden+e 0o 0 e +on0rar) eJis0s. 8e1endan0s a6e no0 ?een 7resen0ed =i0 an) e6iden+e 0 a0 s o=s 0 a0 0 e su?Ce+0 7ro7er0) Plain0i11 is a00em70in5 0o 1ore+lose on as no0 ?een 7aid 1or and 0 a0 Plain0i11 is no0 a00em70in5 0o dou?le 0aJ 8e1endan0s and 8e1endan0s ?elie6e 0 a0 no e6iden+e 0o 0 e +on0rar) eJis0s. 8e1endan0s a6e no 3no=led5e, re+ord or ?elie1 o1 an) e6iden+e es0a?lis in5 0 a0 0 e su?Ce+0 7ro7er0) Plain0i11 are a00em70in5 0o 1ore+lose on as no0 ?een 7aid 1or and 0 a0 Plain0i11s are no0 a00em70in5 0o dou?le 0aJ 8e1endan0s, and 8e1endan0s ?elie6es 0 a0 no e6iden+e 0o 0 e +on0rar) eJis0s. 8e1endan0s a6e no 3no=led5e, re+ord or ?elie1 o1 an) e6iden+e es0a?lis in5 0 a0 0 e su?Ce+0 7ro7er0) Plain0i11s are a00em70in5 0o 1ore+lose on as no0 ?een 7aid 1or and 0 a0 Plain0i11 is no0 a00em70in5 0o s0eal 8e1endan0s; 7ro7er0), and 8e1endan0s ?elie6e 0 a0 no e6iden+e 0o 0 e +on0rar) eJis0s. 8e1endan0s a6e no0 ?een 7resen0ed =i0 an) e6iden+e 0 a0 s o=s 0 a0 ?) 8e1endan0s si5nin5 a 4or05a5e No0e 1or 0 e su?Ce+0 7ro7er0) Plain0i11s are a00em70in5 0o 1ore+lose on 0 a0 said 7ro7er0) is no0 7aid in 1ull, and 8e1endan0s ?elie6e 0 a0 no e6iden+e 0o 0 e +on0rar) eJis0s.

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

8e1endan0s a6e no0 ?een 7resen0ed =i0 an) e6iden+e 0 a0 s o=s Plain0i11 is 0 e older o1

0 e 0rue, unal0ered 4or05a5e and No0e si5ned ?) 8e1endan0s, and 8e1endan0s ?elie6es 0 a0 no e6iden+e 0o 0 e +on0rar) eJis0s. 8e1endan0s a6e no 3no=led5e, re+ord or ?elie1 o1 an) e6iden+e es0a?lis in5 0 a0

Plain0i11s are 0 e older o1 0 e 0rue, unal0ered 4or05a5e and No0e si5ned ?) 8e1endan0s, and 8e1endan0s ?elie6e 0 a0 no e6iden+e 0o 0 e +on0rar) eJis0s.

8e1endan0s a6e no0 ?een 7resen0ed =i0 an) e6iden+e 0 a0 s o=s Plain0i11s a6e no0 ?rou5 0 a 1raudulen0 +laim a5ains0 8e1endan0s, and 8e1endan0s ?elie6es 0 a0 no e6iden+e 0o 0 e +on0rar) eJis0s. 8e1endan0s a6e no0 ?een 7resen0ed =i0 an) e6iden+e 0 a0 s o=s 0 a0 0 is +ase s ould no0 ?e dismissed, =i0 7reCudi+e due 0o un+lean ands, and 0 a0 +lear 0i0le s ould no0 ?e a=arded 0o 8e1endan0s and all 1unds 0ransmi00ed 0o 1raudulen0 7a)ees ?e re0urned 0o 8e1endan0s . 8e1endan0s do no0 see an) e6iden+e in 0 e re+ord es0a?lis in5 0 a0 +ounsel is an a5en0 1or Plain0i11 0 a0 as 7ro7er s0andin5 ?e1ore 0 is -our0. 8e1endan0s a6e no 3no=led5e, re+ord or ?elie1 o1 an) e6iden+e in 0 e re+ord es0a?lis in5 0 a0 +ounsel is an a5en0 1or Plain0i11s 0 a0 a6e 7ro7er s0andin5 ?e1ore 0 is -our0 and 8e1endan0s ?elie6e 0 a0 no e6iden+e 0o 0 e +on0rar) eJis0s. 8e1endan0s do no0 see in 0 e re+ord a 7o=er o1 a00orne) or re0ainer a5reemen0 1rom Plain0i11 0o +ounsel es0a?lis in5 +ounsel as a bona (ide a5en0 1or Plain0i11 in 0 ese 7ro+eedin5s. 8e1endan0s a6e no 3no=led5e, re+ord or ?elie1 o1 a 7o=er o1 a00orne), re0ainer a5reemen0 or an) o0 er a5reemen0 ?e0=een Plain0i11s and +ounsel es0a?lis in5 +ounsel as a bona (ide a5en0 1or Plain0i11s in 0 ese 7ro+eedin5s and 8e1endan0s ?elie6e 0 a0 no e6iden+e 0o 0 e +on0rar) eJis0s.(4) To es0a?lis 7ro7er s0andin5, Plain0i11s and +ounsel mus0 7ro6ide 7roo1 o1 a5en+) in 0 e +our0 re+ordGe6iden+e 1ile in order 1or Plain0i11s 0o es0a?lis s0andin5 ?e1ore 0 e +our0. @1 +ounsel is no0 7ro7er ?e1ore 0 e +our0, Plain0i11s 1ur0 er la+3s s0andin5 ?e1ore 0 is -our0. For 0 e 1ore5oin5 reasons, 0 is -our0 la+3s su?Ce+0#ma00er Curisdi+0ion. 8e1endan0s 0ermina0ed 0 e mor05a5e do+umen0s 6ia re6o3in5 0 eir si5na0ures due 0o 1raud and re6o3ed 7o=er o1 a00orne)s due 0o 1raud. T e <ud5e =ould ?e +om7elled, i1 a++ordan+e =i0 eGs e =ere 0o do Cus0i+e in

isG er oa0 , 0o dismiss Plain0i11s; +om7lain0, =i0 7reCudi+e, due 7rimaril) 0o 0 e

1raudulen0 No0e 0 a0 =as +on6er0ed in0o a dra10N en+e, unla=1ul +on6ersion. VII. CONCLUSION

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2" WHEREFORE! des7i0e 0 e 1a+0 0 a0 Plain0i11s 1iled a H+om7lain0I in 0 is ma00er, 0 ere

=as no H+aseI or 6alid a+0ion 7resen0ed 0o 0 e -our0N Plain0i11s did no0Gdoes no0 a6e s0andin5 =i0 ou0 7roo1 o1 o=ners i7 o1 /ri5inal No0e and 4or05a5e a0 0 e +ommen+emen0 o1 0 e a+0ion. Plain0i11s are no0 older in due +ourse and are no0 en0i0led 0o an)0 in5 in 0 is ma00er. Fur0 er, =i0 ou0 an a+0ual 7ersonal inCur), Plain0i11s ad no s0andin5 a0 0 e ou0se0 o1 0 is +ase.

W en Plain0i11;s alle5ed a5en0 1iled 0 e a+0ion, i0 ad no meri0 and 0 e +om7lain0 =as 1iled in ?ad 1ai0 . T e +om7lain0 is a s am, a 1raud u7on 0 e -our0, and 0 e same mus0 ?e s0ri+3en 1rom 0 e re+ord, W@TH PR.<F8@-.. A++ordin5l), ?ased on 0 e 1a+0s, ne5a0i6e a6ermen0s and ar5umen0s erein, 8e1endan0s mo6e 0 e -our0 0o 1or0 =i0 5ran0 8e1endan0;s mo0ions and dismiss 0 e +om7lain0, =i0 7reCudi+e, due 0o un+lean ands and F/R TH. -/FRT T/ /R8.R re0urn o1 0 e True /ri5inal No0e, 8eedsG8eed o1 Trus0, re0urn all remi00an+es re5ardin5 said Fraudulen0 +on0ra+0 and su+ o0 er and 1ur0 er relie1 as 0 e 1a+0s =arran0 in 0 e 1ur0 eran+e and in0eres0 o1 Cus0i+e. Q.R@F@-AT@/N 8e1endan0s a6e read 0 e 1ore5oin5 and 3no= 0 e +on0en0s 0 ereo1. T e same is 0rue ?ased on 8e1endan0;s o=n 3no=led5e, eJ+e70 as 0o 0 ose ma00ers 0 a0 are 0 erein made u7on in1orma0ion and ?elie1, and as 0o 0 ose +laims or 1a+0s, 8e1endan0s ?elie6e 0 em 0o ?e 0rue. 8e1endan0s asser0 under 0 e 7enal0) o1 7erCur) o1 0 e la=s o1 0 e uni0ed A0a0es o1 Ameri+a 0 a0 0 e 1ore5oin5 is 0rue and +orre+0. 8e1endan0s 1ur0 er 6eri1) 0 a0 0 e eJ i?i0s em7lo)ed in su77or0 o1 8e1endan0s; mo0ions are 0rue and a++ura0e +o7ies o1 0 e do+umen0s 0 e) re+ei6ed. -.RT@F@-AT@/N /F A.RQ@-. 8e1endan0(s) +er0i1) 0 a0 a 0rue and eJa+0 +o7) o1 0 e 1or5oin5 as ?een dul) ser6ed u7on BAW /FF@-.A /F 8AQ@8 <. AT.RN, P.A. A00n> -G/ AT.PHAN@. 2FRU., 8AQ@8 <. AT.RN &'' A/FTH P@N. @ABAN8 R/A8, AF@T. 4'' PBANTAT@/N, FB 33324#3&2' ?) FA 4ail 0 is9999999 da) o1 9999999999999, 2'1'. All Ri5 0s Reser6ed Wi0 ou0 PreCudi+e, Wi0 ou0 Re+ourse and Res7e+01ull) su?mi00ed, 2)> 999999999999999999999 P.RRY 2. AT.RN, Pran0or 1$5 P.ARB BAU. -AWY FN@T 2'" ABTA4/NT. APR@NPA, FB 32$14 2)> 999999999999999999999999999999 .4@BY -. ATARRATT, Pran0or 1$5 P.ARB BAU. -AWY FN@T 2'" ABTA4/NT. APR@NPA, FB 32$14

1 2 3 4 5 " $ % & 1' 11 12 13 14 15 1" 1$ 1% 1& 2' 21 22 23 24 25 2"

P one> 4'$#$1%#"%2% email> 7?s*+1l.rr.+om P one> 4'$#%34#4515