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Case: 1:15-cv-10610 Document #: 64 Filed: 04/13/16 Page 1 of 1 PageID #:408

UNITED STATES DISTRICT COURT


FOR THE Northern District of Illinois CM/ECF LIVE, Ver 6,1
Eastern Division

Sebastian J Palladino
Plaintiff,
v. Case No.: 1:15cv10610
Honorable Joan B. Gottschall
Wells Fargo Bank, N.A., et al.
Defendant.

NOTIFICATION OF DOCKET ENTRY

This docket entry was made by the Clerk on Wednesday, April 13, 2016:

MINUTE entry before the Honorable Joan B. Gottschall: Motion hearing held. The
defendants do not object to the filing of the amended complaint. Plaintiff's motion for
leave to file an amended complaint [60] is granted. Plaintiff shall file the amended
complaint so it appears as a separate entry on the docket. Defendants shall answer or
otherwise plead by 5/11/16. Defendants intend to file a motion to dismiss. Status hearing
set for 6/15/16 at 9:30 a.m. Mailed notice(mjc, )

ATTENTION: This notice is being sent pursuant to Rule 77(d) of the Federal Rules of
Civil Procedure or Rule 49(c) of the Federal Rules of Criminal Procedure. It was
generated by CM/ECF, the automated docketing system used to maintain the civil and
criminal dockets of this District. If a minute order or other document is enclosed, please
refer to it for additional information.
For scheduled events, motion practices, recent opinions and other information, visit our
web site at www.ilnd.uscourts.gov.
Case: 1:15-cv-10610 Document #: 65 Filed: 04/13/16 Page 1 of 41 PageID #:409

UNITED STATES DISTRICT COURT


FOR THE NORTHERN DISTRICT OF ILLINOIS
EASTERN DIVISION

SEBASTIAN J. PALLADINO )
Plaintiff )
)
v )
) Case No. 15-cv-10610
HSBC BANK, U.S.A, N.A.; FREMONT HOME LOAN TRUST )
2006 D; REAL INDUSTRY, INC., F/K/A FREMONT GENERAL )
CORP., F/K/A SIGNATURE GROUP HOLDINGS, F/K/A ) Hon. Joan B. Gottschall
FREMONT REORGANIZING CORPORATION, F/K/A )
FREMONT INVESTMENT AND LOAN; PIERCE AND )
ASSOCIATES, P.C; LOCKE LORD LLP; OCWEN LOAN )
SERVICING, LLC; WELLS FARGO BANK, N.A.; )
Defendants )

AMENDED COMPLAINT

NOW COMES SEBASTIAN J. PALLADINO (Mr. Palladino), by and through his

attorney HERB HILL and complaining against the Defendants states as follows:

NATURE OF THE CASE

1. This is an action by Mr. Palladino seeking damages and costs against the

Defendants scheme to defraud and take Mr. Palladinos home by a wrongful foreclosure which

violates federal and state laws.

2. As alleged below, Defendants conduct violates the Racketeer Influenced and

Corrupt Organizations Act (RICO), 18 U.S.C. 1962(b) (Count I), RICO, 18 U.S.C.

1962(c) (Count II), the RICO conspiracy provision,18 U.S.C. 1962(d) (Count III), Aiding

and Abetting (COUNT IV), Truth in Lending Act (TILA) 15 U.S.C 1601 et seq (Count V),

Home Ownership Equity Protection Act (HOEPA) (Count VI), Home Ownership Equity

Protection Act (HOEPA) 15 U.S.C. 1639 et seq (Count VII), Illinois Consumer Fraud and

Deceptive Business Practices Act (ICFA) 815 ILCS 505/2 et. seq, (Count VIII); Conspiracy to

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Commit Fraud (Count IX); and Intentional Infliction of Emotional Distress (COUNT X) all

associated with this action.

JURISDICTION AND VENUE

3. Subject matter jurisdiction is conferred upon this Court by 18 U.S.C. 1964(c),

15 U.S.C. 1640(e), 28 U.S.C. 1331, and 28 U.S.C. 1337. The Court supplemental

jurisdiction over state law claims under 28 U.S.C. 1367.

4. Venue is proper in this Court pursuant to 28 U.S.C. 1391 as Defendants conduct

business in the Northern District of Illinois and all of the events or omissions giving rise to the

claims occurred within the Northern District of Illinois.

PARTIES

5. Plaintiff SEBASTIAN J. PALLADINO (Mr. Palladino) is a natural person

residing within this Courts jurisdiction at 917 Heathrow Lane, Naperville, IL 60540.

6. Non Party MARCELLA PALLADINO (Ms. Palladino) is a natural person

residing in this Courts jurisdiction.

7. Defendant HSBC Bank, U.S.A., N.A. (HSBC) is a national banking association

with its principal place of business in McLean, Virginia. As described below, HSBC, either

directly and/or indirectly through its agents, employees, subsidiaries and/or related companies,

including without limitation HSBC Mortgage Corp., U.S.A, HSBC Bank U.S.A Trust, and

HSBC Mortgage Services, Inc., engaged in transactions related to the securitization of mortgage

loans of real property located within the state of Illinois.

8. On June 18, 2008, Fremont General Corporation (FGC) filed a voluntary

Chapter 11 bankruptcy petition. On May 25, 2010. FGC became known as the Fremont

Reorganization Corp (FRC) On June 11, 2010 FRC merged with Fremont General Credit

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Corporation (FGCC) who then merged Signature Group Holdings, LLCs (SGH). Following

the consummation of the merger, the assets of FRC and FGCC became the assets of Signature and

any existing liabilities, guarantees, joint and several liabilitiesor obligations of Fremont, FRC and

FGCC become obligations of Signature. All of the stock of FGCC and FRC was canceled. Exhibit

1. On June 1, 2015, Signature Group Holdings, Inc. changed its name to Real Industry, Inc.

Exhibit 2

9. Defendant Fremont Home Loan Trust 2006-D, a New York common law trust,

formed by the depositor pursuant to the pooling and servicing agreement.

10. Defendant Fremont Mortgage Securities Corporation is a Delaware Corporation

with a principal office located at 2727 East Imperial Highway, Brea, California 92821.

11. Defendant Wells Fargo Bank, N.A. is a national banking association and maintains

corporate trust offices located at 9062 Old Annapolis Road, Columbia, Maryland 21045.

12. Defendant, Pierce & Associates, P.C. (Pierce) is a corporation that acts as a debt

collector, as defined by 1692a(6) of the FDCPA, because it regularly uses the mails and/or the

telephone to collect, or attempt to collect, directly or indirectly, delinquent consumer debts.

Pierces principal purpose is to enforce security interests, and Pierce is thus a debt collector for

the purposes of 1692f (6) as well as under the general definition of a debt collector under this

section.

13. Defendant Jill Rein, is a lawyer who works for Pierce and Associates, P.C. and at

all times participated in the scheme on behalf of her employers knowledgeof said acts described

herein.

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14. Defendant Amber Cowan is an Illinois notary and Supervisor for Pierce and

Associates, P.C. and at all times participated in the scheme on behalf of her employers

knowledge of said acts described herein.

15. Defendant, Locke Lord LLP. (Locke Lord) is a corporation that acts

as a debt collector, as defined by 1692a (6) of the FDCPA, because it regularly uses the

mails and/or the telephone to collect, or attempt to collect, directly or indirectly, delinquent

consumer debts. Locke Lords principal purpose is to enforce security interests, and Locke Lord

is thus a debt collector for the purposes of 1692f (6) as well as under the general definition of a

debt collector under this section.

16. Defendant David Standa, is a lawyer who works for Locke Lord and at all times

participated in the scheme to defraud on behalf of his employers knowledge of said acts

described herein.

17. Defendant Irina Dashevsky, is a lawyer who works for Locke Lord and at all times

participated in the scheme on behalf of her employers knowledge of said acts described herein.

18. Defendant, Ocwen Loan Servicing, LLC (Ocwen) is a financial institution with

its principal place of business located at 1661 Worthington Road, Suite 100, West Palm Beach,

Florida 33146. Defendant transacts business in Illinois. Defendant's Illinois registered agent is

Illinois Corporation Service C, 801 Adlai Stevenson Drive, Springfield, Illinois 62703.

19. Non-Party Defendant, Litton Loan Servicing, LLC (Litton) is a financial

institution with its principal place of business located at 4828 Loop Central Drive, Houston, TX

7708, and is a subsidiary of Ocwen Loan Servicing.

20. Defendant Howard R. Handville is an employee or agent of Ocwen and at all times

participated in the scheme on behalf of his employers knowledge of said acts described herein.

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THE SECURITIZATION PROCESS FOR THE FREMONT TRUST 2006 D

21. Securitization is the process in which certain types of assets are pooled so that they

can be repackaged into interest-bearing securities.

22. The Fremont Trust 2006-D (the Issuing Entity) was purportedly formed on or

about November 3, 2006 by Fremont Mortgage Securities Corporation (the Depositor) pursuant

to the pooling and servicing agreement (PSA) among HSBC Bank, National Association, (the

Trustee) Wells Fargo Bank, National Association, (the Master Servicer, Trust Administrator

and Custodian) Fremont Investment and Loan, (the Sponsor, Servicer and Originator)

23. The Issuing entity was purportedly a New York common law trust that has no

liabilities other than those incurred in connection with the PSA and any other related agreements.

23. Pursuant to the PSA, the Trustee, trust administrator, the Master Servicer, the

Depositor, the Originator and the servicer was supposed to act on behalf of the Issuing Entity and

were only to perform those actions on behalf of the Issuing Entity that are specified in the PSA

and other relative agreements.

24. The PSA clearly defined the roles and duties of the parties, which in most cases

including the originating lender, the Arranger, Servicers, and Trustee. The PSA established how

the parties would share in the profits and losses, who had indemnification rights and obligations,

the standards the originators had to meet, who was responsible for servicing and underwriting,

who controlled various aspects of the deal, the classes of the securities that would be created, and

the schedule of distributions to the investors.

25. After the Great Depression, the government began purchasing mortgage

loans from financial institutions in order to inject more liquidity into the housing market

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and encourage financial institutions to use that money to make additional mortgage loans which

became known as securitization. Securitization is the process in which certain types of assets are

pooled so that they can be repackaged into interest-bearing securities.

26. By pooling thousands of mortgages together, the securitization process transforms

relatively locked 30-year financial instruments into very dynamic and liquid financial

instruments. Bonds or Mortgage Backed Securities (MBS) are issued based upon the income

stream generated by the pool of mortgages, and then the MBS are sold to investors all over the

world. Meanwhile, the underlying mortgage loans are held in a trust for the benefit of these

various investors.

27. Although many entities and persons may be involved in the securitization

process and there may be slight variations, the broad framework of the securitization process is

always the same. As stated above, the five distinct actors in the Fremont Home Loan Trust 2006

D are: (1) the Issuing Entity- (Fremont Home Loan Trust 2006-D); (2); the Depositor -(Fremont

Mortgage Securities Corporation); (3) the Sponsor/Originator/Servicer-(Fremont Investment and

Loan), (4) the Master Servicer/Trust Administrator/Custodian-(Wells Fargo Bank, N.A.) and (5)

the Trustee-HSBC Bank USA, N.A.)

THE MORTGAGE LOAN PURCHASE AGREEMENT

28. Pursuant to the Mortgage Loan Purchase Agreement (MLPA) that was dated

November 1, 2006, Fremont Investment & Loan as the (Originator or FIL) and Fremont

Mortgage Securities Corporation (the Purchaser or FMSC) purportedly entered into an

agreement that stated FIL concurrently with the execution and delivery of said Agreement, and

pursuant to Section 2.01 Sale of Mortgage Loans, FIL does hereby sell, transfer, assign, set over,

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and otherwise convey to the FMSC, without recourse (i) all of its right, title and interest in and

each of the Mortgage Loans as of the Cut-off Date which was November 1, 2006. Exhibit 3

29. Pursuant to Section 2.02 Obligations of the Originator Upon Sale, FIL purportedly

was to agrees at its own expense, on or prior to the closing date which allegedly was November 3,

2006 to indicate on its books, records and computer systems that the Mortgage Loans have been

sold to FMSC pursuant to the MLPA, and deliver to FMSC and HSBC Bank USA, N.A. a

computer file containing a true and complete list of all such Mortgage Loans specifying for each

Mortgage Loan, as of the Cut-off Date, (i) its account number

30. Pursuant to section 2.03 of the MLPA, in consideration of the sale of the Mortgage

Loans from FIL to FMSC on the closing date, FMSC agrees to pay the FIL on the Closing Date

by transfer of immediately available funds, an amount equal to $1,547,770,224 and transfer

certain certificates.

THE DUTIES OF THE MASTER SERVICER, TRUST ADMINISTRATOR


AND CUSTODIAN

31. Pursuant to the PSA, Wells Fargo Bank N.A. purportedly was supposed to act as

Master Servicer, Trust Administrator, and Custodian.

32. As the Master Servicer, the primary servicing of the mortgage loans was to be

provided by Wells Fargo pursuant to the PSA.

33. Under the PSA and its underlying agreements, Wells Fargo had a duty to ensure

and monitor the mortgage servicing practices of any sub-servicers (including collection

procedures) were in conformance with those of prudent mortgage lending institutions which

service similar mortgage loans and to use its reasonable good faith efforts to ensure the sub-

servicers duly and punctually perform their duties and obligations.

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34. As Trust Administrator, Wells Fargo Bank was responsible for securities

administration, which includes pool performance calculations, distribution calculations and the

preparation of monthly distribution reports. Additionally, Wells Fargo Bank is responsible for the

preparation and filing of all REMIC tax returns on behalf of the Trust REMICs or other legal

entities formed pursuant to the pooling and servicing agreement and the preparation of monthly

reports on Form 10-D, current reports on Form 8-K and annual reports on Form 10-K that are

required to be filed with the Securities and Exchange Commission on behalf of the issuing Trust.

35. According to Wells Fargo, it has been engaged in the business of securities

administration since June 30, 1995 and has acted as trust administrator for all previous series of

publicly offered mortgage backed certificates issued by the Depositor. As of June 30, 2006, Wells

Fargo was acting as securities administrator with respect to more than $894,773,136,436 of

outstanding residential mortgage-backed securities.

36. The PSA requires that the Trust Administrator and the Master Servicer at all times

be the same person, so long as a Master Servicer is required by the provisions of the PSA.

37. As Custodian, Wells Fargo is responsible to hold, safeguard and certify the

mortgage notes and other contents of the mortgage files on behalf of the Trustee and the

Certificateholders.

TOLLING THE STAUTE OF LIMITATIONS


Fraudulent Concealment Tolling

38. Any applicable statute of limitations has been tolled by Defendants active

concealment, denial to produce discovery, and the misleading actions as alleged herein. Mr.

Palladino could not have reasonably discovered the true nature of Defendants actions and its

scheme to defraud until discovery was tendered on September 15, 2014 and on September 16,

2015.

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39. Defendants are knowingly and affirmatively actively concealing thetrue nature of

who owns Mr. Palladinos Note and Mortgage, when and if it was assigned, and if so, to whom.

Furthermore, they have fraudulently produced an endorsed Note since the start of litigation in the

state court foreclosure proceeding.

Discovery Rule

40. The cause of actions here was not discovered until September 16, 2015 when

partial discovery had been tendered.

Estoppel

41. Based on the foregoing, Defendants are estopped from relying on any statutes of

limitations as a defense in this cause of action.

STATEMENT OF FACTS

42. In January 2001, the Palladinos filed a chapter 13 bankruptcy to consolidate their

bills and reduce their monthly obligations.

43. In January, 2005, the Palladinos applied to Fremont Investment & Loan (FIL)

for a loan to refinance their existing mortgage. As a condition of the approval, the chapter 13

balance had to be paid off.

44. FIL approved the Palladinos loan on February 28, 2005, paid the chapter 13

bankruptcy trustee, thus obtaining a dismissal of the chapter 13.

45. On or about April or May of 2006, the Palladinos contacted FIL to refinance their

existing mortgage with FIL to lower their monthly mortgage payments.

46. Mr. Palladino spoke to Troy Malek, an employee at FIL who referred Mr.

Palladino to Ann Wachtel of Maywood mortgage who assisted with the refinance application

process.

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47. Although the intent was for Mr. and Mrs. Palladino to refinance the mortgage as

joint applicants, due to Mr. Palladinos employment situation and credit card obligations, the loan

could only be approved with Ms. Palladinos information.

48. Mr. Palladino faxed Ms. Palladinos 1003 application, check stubs, W2s and bank

statements to Ann Wachtel at Maywood Mortgage. (attached hereto as Exhibit 4 is a true and

accurate copy of the application sent)

49. On August 18, 2006, FIL provided a preliminary Truth in Lending disclosure

statement with an 8.229% Annual Percentage Rate. Exhibit 5 (see payment schedule below)

Payments Payment Payments Begin


36 $1,567.50 11/1/06
323 $2,553.14 11/1/09
1 $2,551.12 10/1/36

50. On August 28, 2006, FIL approved the Palladinos for a subprime loan with a

95% Loan to Value ratio, debt-to-income ratio in excess of 80%, and rated them A+.

51. The loan was an adjustable rate mortgage (ARM) in the amount of $313,500.00,

listing the interest at 7.19% until September 2009 when the interest rate was subject to change

every six months, up to a maximum of 13.19%. The monthly payment was $1,878.39 which was

calculated as interest only. Exhibit 6

52. At the closing, the Palladinos were provided a final 1003 that was different than

the original 1003 provided on August 18, 2006. Exhibit 7

Description of entry Changes


Final 1003
Original 1003
Amount of Existing Lien $277,089.00 $197,739.00 ($79,350.00)

Total Assets $330,400.00 $660,400.00 +$330,000.00

Total Liabilities $305,034.00 $5,378.00 ($299,656.00)

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Net Worth $25,366.00 $655,022.00 +$629,656.00

Fremont I&L Balance $191,898.84 $197,739.00 +$5,840.16

Cap One Auto Finance $14,541.83 $14,642.00 +$100.17

GEMN/Mohawk no entry $2,000.00 +$2,000.00

$90,555.00 $0.00 ($90,555.00)


Schedule of Liabilities
Mortgages & Liens $276,898.84 $197,739.00 ($79,159.84)

Mortgage Payments $2,277.56 $1,238.00 ($1,039.56)

53. On August 28, 2006, FIL provided a final Truth in Lending disclosure statement

with a 9.320% Annual Percentage Rate. Exhibit 8 (see payment schedule below)

Payments Payment Payments Begin

36 $1,878.39 10/1/06

323 $2,803.00 10/1/09

1 $2,796.00 9/1/36

54. In March 2007, the Federal Deposit Insurance Corporation (FDIC) ordered a

cease and desist against FIL because it was offering subprime mortgage loans in a way that

substantially increased the likelihood of borrower default or other loss to the bank.

55. On May 5, 2008, FIL filed a foreclosure complaint in DuPage County, case #

2008 CH 1730 through Codilis and Associates, P.C.

56. FIL attached to the complaint a copy of the Mortgage and Rider. Exhibit 9

57. In response to the foreclosure complaint, Mr. Palladino contacted the Illinois

Attorney General, who in turn contacted FIL.

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58. On June 18, 2008, Fremont General Corporation (the parent company of FIL) filed

Bankruptcy.

59. On July 11, 2008, FIL voluntarily withdrew its foreclosure complaint.

60. On November 17, 2008, HSBC Bank USA, N.A., as Trustee Under the Pooling

and Servicing Agreement dated as of November 1, 2006 for the Fremont Home Loan Trust 2006-

D (HSBC) filed a filed a foreclosure complaint in DuPage County, case # 2008 CH 4548

through Pierce and Associates, P.C.

61. In its complaint, HSBC Bank alleged that it was the legal holder, agent or

nominee of the legal holder, of the indebtedness and that it was the owner, agent or nominee of

the owner, of the Mortgage given as security.

62. Attached to the complaint was an exhibit with an unendorsed Note and a

unnumbered fifth page reflecting an undated stamp with the words, Pay to the Order of [blank]

without recourse, with a signature above the words: Fremont Investment Loan Doug Pollock

Assistant Vice President. Exhibit 10

63. Mr. Palladino contacted several attorneys about defending him in the foreclosure

action, however all the attorneys required a minimum $5,000.00 retainer fee.

64. Mr. Palladino went to the Wheaton Law Library and after a few weeks of

researching and reading was able to prepare an answer to HSBCs foreclosure complaint.

65. On December 1, 2008, Mr. Palladino was terminated from his employment as a

result of missing work.

66. On December 15, 2008, Mr. Palladino filed an answer to the foreclosure

Complaint alleging HSBC did not have standing.

67. On March 3, 2009, Mr. Palladino filed a Motion to Compel discovery.

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68. On July 10, 2009, HSBC filed its Motion for Summary Judgment, and attached a

supplemental affidavit with an attached assignment alleging that MERS, as nominee for Fremont

purportedly, did hereby assign and deliver to HSBC prior to 11/13/08 the described mortgage

[t]ogether with all rights and interest in the same and the premises thereinand the note or

obligation thereby secured and that [t]his assignment is made without recourse and without

representation or warranty by assignor. Exhibit 11

69. The alleged assignment was signed by Jill Rein as certifying officer for MERS,

and was notarized by Amber Cowan. It contained a stamp which appeared to reflect that it was

recorded with the Du Page County Recorder on December 17, 2008.

70. In opposition to summary judgment, the Palladinos submitted an affidavit from

Forensic accountant David P. Sweeney. He attested that under the Pooling and Servicing

Agreement Dated as of November 1, 2006, Fremont Home Loan Trust 26-D, Fremont was the

only proper party to bring a foreclosure action in the event of default. He opined thatthe

mortgage and note continued to be Fremonts property. Exhibit 12

71. Following oral argument, the trial court granted HSBC Banks motion for

Summary judgment and entered a judgment of foreclosure and sale.

72. In June, 2010, Mr. Palladino secure a job for ADT.

73. In October of 2010, Mr. Palladino was injured at work and had to take a six month

leave of absence to have hip replacement surgery.

74. On May 31, 2011, Ms. Palladino filed an order of protection against Mr. Palladino

alleging spousal abuse.

75. Mr. Palladino was arrested and spent five days in solitary confinement in the

DuPage county jail.

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76. Mr. Palladino was in constant pain as a result of his hip surgery and no medication.

77. Mr. Palladino was able to post bail, but a restraining order was in effect which did

not allow him to go home.

78. As a result of the restraining order, Mr. Palladino had to sleep in his car for a short

time.

79. On April 6, 2011, Kropik, Papuga & Shaw entered a substitute appearance on

behalf of HSBC.

80. The Palladinos appealed and on April 29, 2011 the Appellate court reversed the

trial courts granting of summary judgment in HSBC Banks favor and remand for further

proceedings. HSBC Bank USA, Nat. Assn v. Palladino, 1 N.E.3d 666,408 Ill. App.3d 1128

(2011)

81. On June 20, 2011, Ms. Palladino filed a Petition for Dissolution of Marriage as a

direct and proximate cause of the ongoing litigation in regards to their propertyand the stress and

strain it had caused on their marriage.

82. On February 29, 2012, Theodore Woerthwein filed an appearance on behalf of the

Palladinos.

83. On May 1, 2012, the Dissolution of Marriage was granted and Mr. Palladino

granted was awarded sole possession of the property thus making him liable for the debts and

costs incurred in regards to the property and releasing Ms. Palladino from all claims or

obligations associated with the property.

84. In November 2012, discovery was requested for the third time on behalf of Mr.

Palladino.

85. On January 18, 2013, Morris Laing Evans Brock & Kennedy filed an additional

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appearance on behalf of HSBC.

86. On January 14, 2014, Prairie State Legal filed an appearance of behalf of Mr.

Palladino and initiated a discovery request for the fourth time.

87. On September 15, 2014, Justin Carter from Morris Laing Evans Brock &

Kennedy produced partial discovery to Joseph Miller from Prairie State Legal.

88. The Note provided in discovery was unendorsed and there was an unnumbered

fifth page reflecting an undated stamp with the words, Pay to the order of [blank] without

recourse, with signature above the words: Fremont Investment & Loan Doug Pollock Assistant

Vice President. Exhibit 13, a true and accurate copy of the Note provided from Justin Carter.

89. On April 13, 2015, HSBC filed a Motion for Protective Order objecting to certain

discovery requests alleging the documents requested was not relevant nor would it lead to the

discovery of any admissible evidence.

90. On May 1, 2015, Mr. Palladino filed an amended motion to dismiss to HSBCs

complaint.

91. On May 13, 2015, Locke Lord LLP filed an additional appearance on behalf of

HSBC.

92. On May 14, 2015 a hearing was held on Defendants Amended Motion to Dismiss.

93. At the hearing, David Standa from Locke Lord attempted to introduce an

endorsed note and make it part of the record. See excerpt from transcript below.

MR. STANDA [Counsel for Plaintiff]: ...Mr. Palladino had challenged


the endorsement on the back of the note, they said, well, the obligation then
was on the Plaintiff to produce the note. That is exactly why I brought the
original note here today [ ] The fact is the note was endorsed in blank in
possession of the trust on the date the complaint was filed [ ] Theres a
note that was endorsed in blank, is now especially endorsed to the Plaintiff
that is here in front of your Honor. Id represent to the Court that the
Plaintiff has been in possession of the note the entire time. That establishes
standing. There is no question. And that--That is the particular issue I want

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to address today. [] I understand if your Honor wants to brief me, but I


would like to get this note back into a fire proof safe as fast as possible; and
I dont want to have to bring it back to court. So I want to address standing
today. Hrg. Transcr. p. 12, 13(May 14, 2015)

94. The court denied Mr. Palladinos motion and the Court entered an order prepared

by Mr. Standa stating that Plaintiff had tendered the original note endorsed to it and that it has

been in possession of the original note throughout the pendency of the case, and has standing.

Exhibit 14

95. On May 20, 2015, Mr. Palladino filed a response to HSBC Motion for a

Protective order.

96. June 11, 2015, Mr. Palladino filed a Motion to Clarify the May 14, 2015 order.

97. On June 20, 2015, Mr. Palladino rescinded the transaction, by sending notice of

rescission to Fremont and Ocwen. Exhibit 15

98. On July 17, 2015, the Court struck the portion of the order stating that HSBC had

standing, set a status date for September 16, 2015 and HSBC to produce discovery that had been

requested since March 2009. Exhibit 16

99. In paragraph two of the order, the Court specifically ordered HSBC to produce an

affidavit as to HSBCs possession of the Note at the time of filing.

100. On September 16, 2015, Irina Dashevsky of Locke Lord LLP, sent an email to

Jennifer Luczkowiak from Prairie State Legal and had attached to it, Plaintiffs Affidavit of

Possession and corresponding exhibits, as well as Plaintiffs initial production documents, bates

labeled HSBC000001-000868.the discovery pursuant to the July 17, 2015 order.

101. The email also had attached an affidavit from Howard H. Handville attesting that

Wells Fargo Bank, N.A. as Master Servicer, Trust Administrator and Swap Administrator had

physical possession of the original Note on September 13, 2006. Exhibit 17

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102. The Note attached as Exhibit 1 was unendorsed.

103. On September 17, 2015 Irina Dashevsky sent an email to Jennifer which said:

Hi, I just reviewed the copy of the Affidavit that I provided


to you and realized that Exhibit 1 inadvertently contains an
old copy of the Note, which had a blank endorsement. This
is not the true and correct copy of the Note. As I mentioned
earlier today, the Note has been specifically endorsed to
HSBC Bank. I apologize for any confusion this may have
caused. The Affidavit with the corrected exhibit is attached.
Please disregard the version I transmitted earlier.

To eliminate any confusion, I am also sending you a hard


copy of this document via U.S. Mail.

104. Irina realized that the Note attached to the Handville was not endorsed so she

switched the unendorsed Note for a Note that contained an endorsement.

105. The 2nd affidavit from Howard H. Handville now had a Note that was now

endorsed completely different from the Note on the 1st affidavit he provided. Exhibit 18

106. On September 17, 2015, Mr. Palladinos case was continued to November 19,

2015.Mr. Palladino, reviewed the Pooling and Servicing Agreement (PSA) that had been

tendered in discovery that he had been requesting since March 3, 2009.

107. Pursuant to Section 2.01 in regards to Conveyance of Mortgage Loans, the PSA

states the Depositor assigns and conveys to the Trustee the original Note bearing all endorsements

showing a complete chain of endorsements from the originator to the last endorsee, endorsed Pay

to the Order ___________, without recourse and signed in the name of the last endorsee by an

authorized officer by the closing date. Exhibit 19

108. The Depositor for the Trust is Fremont Mortgage Securities Corporation and the

closing date was November 3, 2006.

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109. The document alleges MERS as nominee for Fremont did assign (past tense) the

mortgage and note to HSBC Bank prior to November 13, 2008 which is two years after the

November 3, 2006 closing date for the Trust.

110. Fremont Mortgage Securities Corporation is responsible for assigning loans to the

Trust, not MERS as Nominee or Fremont as alleged in the mortgage assignment.

111. Pursuant to the PSA, the underwriting guidelines state that in order to be qualified

as A+ category, the bankruptcy must have been discharged at least 24 months and the maximum

debt-to-income ratio is 50%.

112. Based on the discovery that was finally tendered on September 15, 2014 and

September 16, 2015, Mr. Palladino was able to discover that FIL violated the underwriting

guidelines in approving their loan, and that his loan had never been properly purchased or

assigned to the Trust, HSBC Bank, N.A., nor could it be.

RICO ALLEGATIONS
SCHEME TO DEFRAUD

113. All Defendants pursuant to the PSA conducted and participated in the conduct of

an enterprise in a scheme to defraud Mr. Palladino and other borrowers and investors by

originating and the securitization of subprime loans that they could not afford which greatly

increased the risk that Palladino and borrowers would default. The scheme was concealed from

the borrowers and Mr. Palladino because he was led to believe his lender was FIL, when it was

some unknown investors from Wall Street. By originating these predatory subprime loans,

Defendants leveraged risk by the alleged purchases of various mortgage-backed (really not

backed by anything) securities.

114. Each Defendants had a role in the securitization process which included

originating and selling the loans to the Depositor which was carried out by Fremont Investment

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& Loan as the Originator, Seller, and Servicer, then purchasing the loans which was done by

Fremont Mortgage Securities Corp. as the Depositor. Each of the other Defendants role and

duties were set out and governed in the pooling and servicing agreement (PSA)

115. The following parties signed the PSA respectively: Jeff Crusenberry signed the on

behalf of Fremont Mortgage Securities Corporation, the Depositor; Graham Oglesbly signed on

behalf of Wells Fargo Bank, N.A. as the Master Servicer, Trust Administrator, and Custodian;

Elena Zheng signed on behalf of HSBC Bank USA, N.A. as Trustee; and Jeff Crusenberry signed

on behalf of Fremont Investment & Loan.

116. The scheme was carried out both in the origination of Mr. Palladinos mortgage

loan, the creation and administration of the Trust, and in the filing of a wrongful foreclosure in an

attempt to steal Mr. Palladinos property to make a profit.

117. The scheme was carried out as follows: A Pooling and Servicing Agreement dated

November 1, 2006 was purportedly created by Fremont Investment & Loan as the originator,

sponsor and servicer. Its role is to work with brokers to originate high cost loans, service the

loans for a period of time until it had enough, and then sell those loans to Fremont Mortgage

Securities Corporation who purchased the loans pursuant to a Mortgage Loan Purchase

Agreement.

118. Fremont Mortgage Securities Corporation who in acting in its role as the

Depositor, purportedly is to transfer the mortgage and notes to the Issuing Entity, Fremont Home

Loan Trust 2006-D.

119. Fremont Home Loan Trust 2006-D is then formed on November 3, 2006, the

closing date at which time all the mortgages and notes have been purchased and transferred to

the Fremont Home Loan Trust 2006-D.

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120. HSBC Bank, USA National Association will act as Trustee. Its role is to

perform various functions such as including serving as indenture trustee, authenticating agent,

issuing and paying agent, securities registrar and transfer agent and calculation agent with

respect to the securities, custodian of the assets (on behalf of the issuer), analytics provider and

back-up servicer.

121. Wells Fargo Bank, National Associations role was to act as the Master

Servicer, Trust Administrator and Custodian. Its role as Master Servicer is to supervise and

oversee the servicing of the mortgage loans. Pursuant to the PSA, Wells Fargo as trust

administrator will act as paying agent and certificate registrar, prepare and make available a

monthly statement to Certificateholders, and perform certain administrative functions with

respect to the certificates and distribution account. In its capacity as trustadministrator, Wells

Fargo will also act as custodian. As custodian, Wells Fargo takes physical custody of notes and

other loan documents and is required to certify that it has reviewed the loan files in its possession

to determine that certain specified documents are in fact included in the loan file.

122. When the Palladinos went to FIL to get a mortgage, FIL sent them to Maywood

Mortgage. Maywood Mortgage gathered all their documents and sent the loan to FIL approve the

loan. Since there wasnt a program that the Palladinos qualified for based on their income,

assets and previous bankruptcy filing, FIL had to falsify their income, assets, underwriting

guidelines, HOEPA, and TILA to qualify them.

123. Since the Palladinos didnt qualify for the loan FIL approved them for, the loan

would be unaffordable and eventually lead to default. The Massachusetts Attorney General filed

suit on October 5, 2007 as a result of an investigation into the securitization of FIL loans and

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found that from 2004 to 2007, FIL had engaged in predatory and unsatisfactory lending practices

that greatly increased the risk that borrowers will default on their loans.

124. On March 7, 2007 after being advised of the charges of FIL unsound banking

practices, FIL was ordered to cease and desist by the FDIC from engaging in unsatisfactory

lending practices.

125. When HSBC Bank, N.A. files its complaint on November 17, 2008 and Mr.

Palladino challenges its standing, Pierce and Associates in association with HSBC Bank, N.A.,

Wells Fargo Bank, N.A., Fremont Home Loan Trust 2006-D, and Fremont Mortgage Securities

Corp implement a scheme and conspiracy to commit fraud by creating an assignment and trying

to conceal the fact that Palladinos loan was never purchased by the Trust.

126. The purported assignment was created by Pierce and Associates and recorded

with the DuPage County Recorders Office in Wheaton, Illinois.

127. The assignment was signed by Jill Rein as a purported certifying officer for

MERS., and notarized by Amber Cowan acknowledging Jill Rein was a certifying officer for

MERS.

128. Jill Rein is not, however, a certifying officer for MERS in any traditional sense

of the term; instead she is actually an attorney at Pierce and Associates, P.C. and was aware that

the document and the statement that Jill Rein was a certifying officer was false.

129. Amber Cowan, who also is an employee for Pierce and Associates, made a false

statement in verifying that Jill Rein was an certifying officer for MERS.

130. Neither Jill Rein or Amber Cowan receive compensation from MERS, nor do they

communicate with anyone at MERS.

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131. Instead, they both work at Pierce and Associates; they receive their compensation,

oversight, and instructions from Pierce and Associates.

132. This fraudulent practice of Pierce and Associates in fabricating documents

purported to be assignments have happened thousands of times in the last ten years in the filing

and prosecuting foreclosures on behalf of the enterprise.

133. On June 24, 2008, Pierce and Associates recorded a purported assignment it

created with the Will County County Recorders Office in Joliet, Illinois. This document was

signed by Jill Rein as certifying officer for MERS and notarized by Amber Cowan. Exhibit 20

134. The assignment was false in that Jill Rein did not work for MERS and pursuant to

every PSA, the originator, servicer or seller pursuant to a Master Purchase Agreement sells each

loan to the purchaser also known as the Depositor, who then in turns assigns the note and

mortgage to the Trust. In Palladinos document which was purported to be an assignment, as

well as the document in 146, the chain of assignments was missing.

135. On March 6, 2009, Pierce and Associates recorded a purported assignment it

created with the DuPage County Recorders Office in Wheaton, Illinois. Exhibit 21

136. This document was signed by Jill Rein as certifying officer for MERS, and it

was false in that Jill Rein did not work for MERS. In addition, as stated in 147, pursuant to

every PSA, the originator, servicer or seller pursuant to a Master Purchase Agreement sells each

loan to the purchaser also known as the Depositor, who then in turns assigns the note and

mortgage to the Trust.

137. On May 21, 2009, Pierce and Associates recorded a purported assignment it

created with DuPage County Recorders Office in Wheaton, Illinois. Exhibit 22

138. This document was signed by Jill Rein as certifying officer for MERS, and it

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was false in that Jill Rein did not work for MERS. In addition, as stated in 149, pursuant to

every PSA, the originator, servicer or seller pursuant to a Master Purchase Agreement sells each

loan to the purchaser also known as the Depositor, who then in turns assigns the note and

mortgage to the Trust.

139. On November 13, 2009, Pierce and Associates recorded a purported assignment it

created with the Cook County Recorders Office in Cook County, Illinois. Exhibit 23

140. This document was signed by Diana Athanasopoulos as certifying officer for

MERS, and it was false in that Diana did not work for MERS.

141. On September 16, 2009, Pierce and Associates recorded an assignment it created

with the Cook County Recorders Office in Chicago, Illinois that again alleged JillRein was a

certifying officer for MERS. Exhibit 24

142. On October 15, 2013, Pierce and Associates filed this Assignment with the Circuit

Clerk of Cook County.

THE ENTERPRISE

143. A RICO enterprise is a group of persons associated together for a common

purpose of engaging in a course of conduct.

144. The following persons constitute persons within the meaning of 18 U.S.C.

1961 (3). Fremont Trust 2006-D, Fremont Mortgage Securities Corporation, HSBC Bank,

National Association, Wells Fargo Bank, National Association, Pierce and Associates, P.C.,

Locke Lord, LLP, Ocwen Loan Servicing, LLC and Real Industry who thorough a series of

mergers and subsequent name changes took on all assets, liabilities, and responsibilities of

Fremont Investment and Loan. (The Wells Fargo Enterprise)

145. Each person above was and is responsible for operating and managing the

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business affairs of the enterprise as described in the PSA, Master Purchase Agreement, and

Master Servicing Agreement which is described in detail in 113-142.

146. Under the direction of Wells Fargo, its job was to authorize foreclosure

proceedings and/or retain the Law Firms pursuant to an engagement letter.

147. The Wells Fargo Enterprise knows that it has to prove the Trust is the

owner of the Palladinos loan, so Pierce and Associates on behalf of the Wells Fargo Enterprise

creates a document in which it purports to be an assignment, has it recorded on December 17,

2008 and files it with the DuPage County Clerk.

148. In addition to the document purported to be an assignment, the PSA, requires the

Note to be endorsed. So Locke Lord, LLP and Ocwen Loan Servicing, LLC on behalf of the

Wells Fargo Enterprise conspire and create an endorsed Note.

149. These activities, described above, also describe the manner with which each

Defendant conducted the affairs of the association in fact enterprise enumerated herein.

150. In order to foreclose on property belonging to Mr. Palladino, Defendants

employed a system that asserted demonstrably false claims, namely the documentation that

Defendants relied upon to effectuate the foreclosure did not show a viable chain of title.

151. Collectively, the Wells Fargo Enterprise constitute an enterprise engaged in and

whose activities affect interstate commerce. All of the enterprises described in the preceding

paragraph are an individual, partnership, corporation, association, or other legal entity and are

therefore valid enterprises within the definition of 1961(3) of the RICO Act.

152. The enterprise has existed at least since November 1, 2006 pursuant to the PSA

with the exception of the Defendant Law Firms who joined once the foreclosure proceedings

started.

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PATTERN OF RACKETEERING AND PREDICATE ACTS

153. Section 1961(1) of RICO provides that racketeering activity includes any act

indictable under 18 U.S.C. 1341 (relating to mail fraud) and 18 U.S.C. 1343(relating to wire

fraud). As set forth below, Defendants have engaged, and continue to engage, in conduct

violating each of these laws to effectuate their scheme.

Fremont Investment Loan n/k/a Real Industry

154. The pattern of racketeering activity, as evidenced by the predicate acts began in

2004 with FIL who after a series of mergers is n/k/a Real Industry originated 10,000 predatory

loans from 2004 through 2007. In the Matter of Fremont Investment & Loan Brea, California,

Docket No. FDIC -07-035b.

155. Fremont has also participated in the filing of fraudulent assignments or more than

three occasions and have been denied foreclosures because of questionable paperwork.

Fremont Investment Loan v Rose, 2008 NY Slip Op. 52409 (December 2, 2008)
Fremont Inv. & Loan v McBean, 2007 NY Slip Op. 27463 (Nov. 26, 2007)
Wells Fargo Bank, N.A.

156. Wells Fargo has either participated directly or indirectly in the creation and/or

having recorded fraudulent assignments or in a ten-year period.

Wells Fargo Bank. N.A. v. Marchione, 69 AD3d 204, 210. [2d Dept. 2009
Wells Fargo Bank, N.A. v Farmer, 2008 NY Slip Op. 50199 (February 4, 2008)
Wells Fargo Bank, N.A. v. Guy, 2008 NY Slip Op. 50916 (May 1, 2008)
GSAA Home Equity Trust 2006-2 v. Wells Fargo Bank et al., No. 14-CV-4166,
2015 WL 5734389 (D.S.D. Sept. 30, 2015).
Wolf v Wells Fargo, Case No. 2011-36476 verdict for fraudulent assignments
2011 and 2013 Consent orders in which Wells Fargo was accused of fraudulent
documents particularly assignments in which after the orders, they still are engaging in
racketeering

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Pierce & Associates, P.C.

157. Pierce and Associates predicate acts and pattern of Racketeering is described in

125-142.

HSBC Bank, N.A

158. Defendant HSBC Bank, N.A. pattern of racketeering based on questionable and

fraudulent paperwork.

HSBC Bank, USA N.A. v. Perboo, 2008 NY Slip Op. 51385 (July 11, 2008)
HSBC Bank, USA, N.A. v. Betts,2008 NY Slip Op. 31170 (April 23, 2008)
HSBC Bank, USA, N.A. v. Charlevagne, 2007 NY Slip Op. 33673 (Nov 15, 2008)

159. The pattern of racketeering activity has a viable threat of continuity, because

each Defendant continues to participate in the Wells Fargo Enterprise in their respective roles

and duties with the loans purported to be held in the Trust as well as other loans that have been

securitized pursuant to a PSA in which they are continuing to make huge profits.

VIOLATIONS OF 1341 AND 1343, MAIL AND WIRE FRAUD

160. For purposes of executing and/or attempting to execute the above described

scheme to fraudulently foreclose upon Mr. Palladinos property and other properties in

foreclosure, the Defendants, in violation of 18 U.S.C. 1341, placed or caused to be placed in

post offices and/or in authorized repositories matter and things to be sent or delivered by the

Postal Service, caused matter and things to be delivered by commercial interstate carrier, and

received matter and things from the Postal Service or commercial and interstate carriers,

including but not limited to falsified, fraudulent, and legally defective documents including but

not limited to fraudulent assignments.

161. The practices described in this complaint could not have occurred without the use

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of the U.S. Mail and various wires including telephones and the Internet. The overwhelming

majority of the evidence of these mailings and wires are in the possession of the Defendants and

are not public documents. However, specific instances of such fraudulent mails and/or wires

regarding Mr. Palladinos mortgage as well as other loans that have been securitized which

include all of the court filings in which participants in the Wells Fargo Enterprise have created

and recorded fraudulent assignments.

162. These fraudulent documents were filed in the Courts, sent in the mail to process

servers, mailed to the Recorder Offices.

163. The agents or employees of the Wells Fargo Enterprise including but not limited

agents or employees of Pierce and Associations, Locke Lord, LLP, Ocwen, placed in the mail or

caused to be placed in the mail on the following instances:

On July 2, 2009, an agent employee of Pierce & Associates sent in the mail the
document purported to be an assignment from Jill Rein
On July 6, 2009, an agent employee of Pierce & associates filed with the DuPage
County Clerk the document that purports to be an assignment.
On March 23, 2013, an agent employee of Pierce & Associates sent in the mail an
filed with the DuPage County Clerk the document purported to be an assignment from Jill Rein.
On June 23, 2010, an agent employee of Pierce & Associates sent in the mail an
filed with the DuPage County Clerk the document purported to be an assignment from Jill Rein.
On June 18, 2015 an agent or employee of Locke Lord, LLP caused to be filed
through the DuPage County Clerk, a copy of a fraudulent endorsed Note.

164. The above actions were all done in an attempt to have Mr. Palladino rely on the

fraudulent information and documents which he did to his detriment.

COUNT I
VIOLATION OF RICO 18 U.S.C. 1962(b)
(Real Industry)

165. Mr. Palladino incorporates all preceding paragraphs as if fully set forth herein.

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166. In violation of 18 U.S.C. 1962(b), Real Industry acquired an interest in the Wells

Fargo Enterprise due to the mergers that took place on or about June 11, 2010. Following the

consummation of the merger, the assets of FRC and FGCC became the assets of Signature and

any existing liabilities, guarantees, joint and several liabilitiesor obligations of Fremont, FRC

and FGCC become obligations of Signature.

167. As of the effective date, SGH, k/k/a Real Industry became the holders of the

majority share of the common equity from FGC and gained control and/or an ownership interest

in the stock.

168. Because the Wells Fargo Enterprise was engaged in a pattern of racketeering, and

Real Industry by the merger and the name change, it gained an interest in theWells Fargo

Enterprise.

169. Mr. Palladino has been injured because he has to incur attorney fees in excess of

$80,000.00 to defend the foreclosure based on the Defendants scheme to defraud him and take

his property.

WHEREFORE, Mr. Palladino respectfully requests that this Honorable Court grant:

(1) Statutory damages;

(2) Litigation expenses and costs of suit;

(3) Punitive Damages;

(4) Treble Damages;

(5) Attorney fees and

(6) Such other or further relief as the Court deems proper.

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COUNT II
Violation of the Federal RICO Act, 18 U.S.C. 1962(c)
(Wells Fargo Enterprise and Defendant Law Firms)

170. Mr. Palladino incorporates all preceding paragraphs as if fully set forth herein.

171. The Wells Fargo Enterprise conducted, or participated in the conduct of an

enterprise through a pattern of racketeering activity and through the use of wire and mail by: 1)

filing a foreclosure against Mr. Palladino despite its lack of interest in the mortgageand Note; 2)

drafting and filing a fraudulent mortgage assignment thus misrepresenting his loan had been

properly assigned to the Trust; 3) originating a predatory loan that violated thePSA underwriting

guidelines; 4) filing these documents (purported assignment and indorsed Note) with the DuPage

Recorders office and DuPage Circuit Clerk; 5) sending the fraudulent documents in the mailto

Palladino.

172. Each Defendant participated in its individual capacity and agreed to participate in

the affairs of the enterprise while committing predicate acts of mail and wire fraud to further the

goal of the enterprise and reap big profits while conducting their respective roles according to the

PSA.

173. For each part of Defendants role in the Wells Fargo Enterprise, they were paid a

fee. Defendants knew their predicate acts were part of a pattern of racketeering activity and

agreed to the commission of those acts to further the scheme.

174. Defendants are therefore liable to Mr. Palladino under the federal RICO Act.

WHEREFORE, Mr. Palladino respectfully requests that this Honorable Court grant:

(1) Actual damages;

(2) Litigation expenses and costs of suit;

(3) Punitive Damages;

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(4) Treble Damages;

(5) Attorney fees; and

(6) Such other or further relief as the Court deems proper.

COUNT III
Violation of the Federal RICO Act, 18 U.S.C. 1962(d)
(Wells Fargo Enterprise)

175. Mr. Palladino incorporates all preceding paragraphs as if fully set forth herein.

176. Defendants conspired to pursuant to the PSA to originate high cost predatory loans

in which they would securitize the loans in a mortgage pool and make a profit.

177. Once a loan is considered to be in default, the fabrication of documents begins

with the Defendant Law Firms and Wells Fargo.

178. Each participant is aware that the fabrication of documents has happen because the

PSA stated each of the Defendants roles and responsibility in which they signed.

179. HSBC Bank, N.A. as Trustee know the mortgage and note were not transferred as

well as Fremont Mortgage Securities, Corp, the Depositor.

180. However, to ensure they still receive their respective share of the profits, they

devise a scheme in which the Pierce & Associates, Lock Lorde, LLP and Ocwen create fraudulent

documents purported to be assignments and magically appearing indorsement on the Note.

181. The Defendants intentionally conspired and agreed to conduct and participate in

the conduct of the affairs of the Enterprise through a pattern of racketeering activity. Defendants

knew their predicate acts were part of a pattern of racketeering activity and agreed to the

commission of those acts to further the scheme. That conduct constitutes a conspiracy to violate 18

U.S.C. 1962(c) in violation of 18 U.S.C. 1962(d).

182. Defendants are therefore liable to Mr. Palladino under the federal RICO Act.

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WHEREFORE, Mr. Palladino respectfully requests that this Honorable Court grant:

(1) Actual damages;

(2) Litigation expenses and costs of suit;

(3) Punitive Damages;

(4) Treble Damages;

(5) Attorney fees; and

(6) Such other or further relief as the Court deems proper.

COUNT IV
Civil Conspiracy to Commit Actual Fraud
(Wells Fargo, HSBC Bank USA, N.A., Locke Lord, Ocwen, Pierce and Associates)

183. Mr. Palladino incorporates all preceding paragraphs as if fully set forth herein.

184. Defendants entered into an agreement to effectuate the scheme to defraud Mr.

Palladino out his property by creating fraudulent indorsements and a fabricated assignment.

185. When HSBC Bank, N.A. and Wells Fargo Bank, N.A. discovered there was no

mortgage assignment and indorsed note, they had to devise a plan to create the illusion thatHSBC

Bank, USA N.A. was entitled to prosecute the foreclosure.

186. Pierce and Associates and its agents/employees created a document which

purported to be an assignment and had it recorded with the DuPage County Recorders Office.

187. Locke Lord, LLP and Ocwen, along with its agents/employee put an indorsement

on Palladinos Note which had not been there at the filing of the foreclosure complaint, the

motion for summary judgment, nor in the first set of discovery provided by Justin Carter from

Morris Laing Evans & Brock.

188. This conspiracy started in 2008 and has continued for the last 71/2 years.

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189. Mr. Palladino has been damaged as a result by incurring attorney fees in excess of

$80,000.00, and emotional distress.

WHEREFORE, Mr. Palladino respectfully requests that this Honorable Court grant:

(1) Actual damages;

(2) Litigation expenses and costs of suit;

(3) Punitive Damages;

(4) Treble Damages;

(5) Attorney fees; and

(6) Such other or further relief as the Court deems proper.

COUNT V
Aiding and Abetting
Pierce & Associates and Locke Lord

190. Mr. Palladino incorporates all preceding paragraphs as if fully set forth herein.

191. As set forth herein, by creating a document purported to be an assignment,

producing a fraudulent indorsement on the Note, filing it with the DuPage County Clerks online

filing system, committed fraud.

192. The above Defendants substantially and materially assisted the Wells Fargo

Enterprise, Wells Fargo Bank, N.A., and HSBC Bank, USA N.A. by the creation of fabricated

documents that is alleged throughout this complaint and in 175.

193. As a result of the above Defendants aiding and abetting the Wells Fargo

Enterprise, Mr. Palladino has been in active litigation for over seven years and has suffered severe

financial and emotional distress.

WHEREFORE, Mr. Palladino respectfully requests that this Honorable Court grant:

(1) Actual damages;

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(2) Litigation expenses and costs of suit;

(3) Punitive Damages;

(4) Treble Damages;

(5) Attorney fees; and

(6) Such other or further relief as the Court deems proper.

COUNT VI
Truth in Lending Act (Rescission)
Real Industry and Ocwen

194. Mr. Palladino incorporates all preceding paragraphs as if fully set forth herein.

195. This consumer credit transaction was subject to Mr. Palladinos right of rescission

as described by 15 U.S.C. 1635 and Regulation Z 226.23 (12 C.F.R. 226.23)

196. Mr. Palladino has a continuing right to rescind the transaction until the third

business day after receiving all material disclosures, up to three years after consummation of the

transaction, pursuant to 15 U.S.C. 1635(a) and Regulation Z 226.23(a)(3).

197. On June 20, 2015, Mr. Palladino rescinded the transaction, by sending notice of

rescission to Fremont and Ocwen.

198. More than 20 calendar days have passed since Defendants received Plaintiffs

notice of rescission.

199. Defendants have failed to take any action necessary or appropriate to reflectthe

termination of any security interest created by the transaction, as requiredby 15 U.S.C. 1635(b)

and Regulation Z 226.23(d)(2).

200. Defendants have failed to return to Plaintiff any money or property given by Mr.

Palladino to anyone, including Defendants, as required by 15 U.S.C. 1635(b) and Regulation Z

226.23(d)(2).

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201. Defendant Ocwen, as servicer is also liable pursuant to 15 U.S.C. 1641.

202. As a result of these violations of the Truth in Lending Act and Regulation Z,

Defendants are liable to Plaintiff for:

a. Rescission of the transaction pursuant to 15 U.S.C. 1635(b).

b. Termination of any security interest in Plaintiffs property created by the

transaction pursuant to 15 U.S.C. 1635.

c. Return of any money or property given by the Plaintiff to anyone, including

Defendants, in connection with this transaction, under 15 U.S.C. 1635(b).

d. Statutory damages of $2000 for Defendants failure to respond properly to

Plaintiffs rescission notice pursuant to 15 U.S.C. 1640(a)(2)(A).

e. Forfeiture of return of loan proceeds under 15 U.S.C. 1635.

f. Actual damages in an amount to be determined pursuant to 15 U.S.C. 1640.

g. Costs in accordance with 15 U.S.C. 1640.

WHEREFORE, Mr. Palladino requests the following relief:

(1) Declaratory and/or injunctive relief rescinding the mortgage on Mr.

Palladinos home;

(2) Enforcement of recession;

(3) Return any money or property given by Mr. Palladino from any

Defendants in connection with this transaction

(4) Actual damages in an amount to be determined by the court; and

(5) Statutory damages in the amount of $2000.

(6) Reasonable attorney fees.

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COUNT VII
Home Ownership Equity Protection Act (HOEPA)
Real Industry and Ocwen

203. Mr. Palladino incorporates all preceding paragraphs as if fully set forth herein.

204. In 1994, Congress enacted the Home Ownership Equity Protection Act

(HOEPA) which is codified at 15 USC sec. 1639 et seq. with the intention of protecting

homeowners from predatory lending practices targeted at vulnerable consumers. HOEPA requires

lenders to make certain defined disclosures and prohibits certain terms from being included in

home loans. In the event of noncompliance, HOEPA imposes civil liability for rescission and

statutory and actual damages.

205. Plaintiff is a consumer and Defendants Real Industry and Ocwen are creditors

as defined by HOEPA.

206. Defendants Real Industry and Ocwen violated HOEPA by numerous acts, material

omissions, and a pattern of fraudulent concealment, including but not limited to engaging in a

pattern and practice of extending credit to the Palladinos without regard to their ability to repay

in violation of 15 USC sec. 1639(h).

207. By virtue of the Defendants Real Industry and Ocwen violations of HOEPA, Mr.

Palladino has a legal right to rescind the consumer credit transaction the subject of this action

pursuant to 15 USC sec. 1635.

208. Defendants Real Industry and Ocwen further violated HOEPA by failing to make

additional disclosures, including but not limited to the failure of said Defendants to provide an

accurate TIL disclosure which failure was executed through a pattern of fraudulent concealment

and intentional nondisclosure.

209. As a direct consequence of and in connection with Palladinos legal and lawful

35
Case: 1:15-cv-10610 Document #: 65 Filed: 04/13/16 Page 36 of 41 PageID #:444

exercise of their right of rescission, the true lender and its agents, including Defendant Ocwen

and, to the extent necessary, Defendant Real Industry, is required, within twenty (20) days of this

Notice of Rescission, to:

(a) desist from making any claims for finance charges in the transaction;

(b) return all monies paid by Plaintiffs in connection with the transaction to the

Plaintiff;

(c) satisfy all security interests, including mortgages, which were acquired in the

transaction.

210. Upon the true lenders full performance of its obligations under HOEPA

(including any necessary actions of Defendants Fremont and Ocwen as agents of the lender),

Plaintiff shall tender any sums to which the true lender is legally entitled.

WHEREFORE, Mr. Palladino requests the following relief: :

(1) enforcement of the rescission of the mortgage loan transactions;

(2) termination of the mortgage and security interest in the property the

subject of the mortgage loan documents created in the transaction;

(3) return of any money or property paid by the Plaintiffs including all

payments made in connection with the transactions;

(4) an amount of money equal to twice the finance charge in connection

with the transactions;

(5) relinquishment of the right to retain any proceeds; and

(6) actual damages in an amount to be determined at trial, including

attorneys fees.

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Case: 1:15-cv-10610 Document #: 65 Filed: 04/13/16 Page 37 of 41 PageID #:445

COUNT VIII
Home Ownership Equity Protection Act (HOEPA)
(Disclosure Statement)
Real Industry and Ocwen

211. Mr. Palladino incorporates all preceding paragraphs as if fully set forth herein.

212. The Truth in Lending Disclosure statement provided at the August 28, 2006

disclosed an amount financed of $309,690.50, a finance charge of $666,097.23, an annual

percentage rate of 9.32% and a security interest in the property.

213. The payment schedule is shown below:

Payments Payment Payments Begin


36 $1,878.39 11/1/06
323 $2,803.00 11/1/09
1 $2,796.00 10/1/36

214. However, the loan was an adjustable rate mortgage interest at 7.19% until

September 2009 when the interest rate was subject to change every six months, up to a maximum

of 13.19%.

215. HOEPA loans whose interest rates are not fixed must disclose the amount of the

maximum monthly payment, based on the maximum interest rate. 15 U.S.C. 1639(a)(2)(B)

216. The rate was scheduled to increase after three years, and then change every six

months thereafter. The correct disclosure is shown below.

Payments Payment amount Rate


1-36 $1,879.39 7.19%
37-42 $2,845.96 10.19
43-48 $3,189.19 11.69%
49-360 $3540.53 13.19

217. Fremonts failure to give the Palladinos the material disclosures as required by

TILA violates 15 U.S.C. 1638, entitling Mr. Palladino to actual and statutory damages under 15

37
Case: 1:15-cv-10610 Document #: 65 Filed: 04/13/16 Page 38 of 41 PageID #:446

U.S.C. 1640(a) and extending the right to rescind until proper delivery of all material

disclosures.

WHEREFORE, Mr. Palladino requests the following relief:

(1) Rescission of the transaction, including a declaration that Mr. Palladino

is not liable for any finance charges or other charges imposed by Fremont;

(2) A declaration that the security interest is void;

(3) Return any money or property given by Mr. Palladino, including

Defendants in connection with this transaction

(4) Actual damages in an amount to be determined by the court; and

(5) Statutory damages in the amount of $6,000 (consisting $2,000.0 for

disclosure violation, $2,000 for failure to rescind, and $2,000 for lending without an ability to

repay. (6) Reasonable attorney fees.

COUNT IX
Violations of the Illinois Consumer Fraud Act (Deceptive)
Wells Fargo Bank, N.A., Pierce & Associates, Ocwen and Locke Lord, Jill Rein, Amber
Cowan, Howard Handville, Ocwen, David Standa, Irina Dashevsky

218. Mr. Palladino incorporates all preceding paragraphs as if fully set forth herein.

219. Defendants violated 815 ILCS 505/2 by engaging in unfair acts and practices to

collect a superseded debt.

220. It was deceptive for Defendant Pierce and Associates and its employee Jill Rein and

employee Amber Cowan to do the following:

a) Create, sign, and record in the DuPage County Recorders office and filing
in the DuPage County Clerks office, a document purported to be an assignment
which claimed under oath, to have personal knowledge of the information,
assertions, or averments contained in the document when in truth and in fact, the
signatory had no such knowledge;
b) Creating, signing, and recording in the DuPage County Recorders office
and filing in the DuPage County Clerks office a document purported to be an

38
Case: 1:15-cv-10610 Document #: 65 Filed: 04/13/16 Page 39 of 41 PageID #:447

assignment that contained false, deceptive, and misleading information, assertions,


or averments, such as:
i. Claiming under oath that the signatory had conducted a review of
the facts surrounding the purported transfer of a mortgage and note when,
in truth and fact, the signatory had not conducted such review and had no
such knowledge;
ii. Misrepresenting the signatory of the document as
certifying officer for MERS;
iii. Misrepresenting the note had been transferred to MERS or
from MERS to the Trust, when in fact it had not been transferred.
iv. Notarizing the purported documents without knowledge of
the information or averments within the document.

221. It was deceptive for Defendant Locke Lord, and its employee David Standa and

Irina Dashevsky, Ocwen and Howard Handville to do the following.

a) to falsify an affidavit alleging HSBC had been in possession of the


endorsed Note since the filing of the foreclosure complaint;
b) to fail to send the affidavit back to Howard Handville for re-execution; and
c) For David Standa to make false statements to the court about the Note and
Mortgage

222. As the Master Servicer of the Trust, Wells Fargo Bank, N.A is liable for the

conduct of the above Defendants because it authorized them to conduct itself in such behavior.

223. Mr. Palladino has been in constant fear and worry of losing this home which has

sentimental value to him and his family.

224. Mr. Palladino has suffered substantial damage in that, among other things: (a) he

has lost his wife, (b) credit has been damaged, (c) he has suffered severe emotional distress; has

lost profits, has spent money on legal fees including lawyers, photo copies, time researching and

reading that took away from his family.

225. Defendants conduct occurred in the course of trade or commerce

226. Defendants engaged in unfair conduct by violating the public policy of Illinois and

the federal guidelines enacted by Congress.

39
Case: 1:15-cv-10610 Document #: 65 Filed: 04/13/16 Page 40 of 41 PageID #:448

227. Defendants actions were the proximate cause of the damages to Mr. Palladino and

he has injured because he has incurred legal costs and fees to defend a foreclosure action.

228. An award of punitive damages is appropriate because Defendants conduct was

outrageous, willful, and wanton, and it showed a reckless disregard for the rights of Mr. Palladino

over the nine-year period.

WHEREFORE, Mr. Palladino respectfully requests that this Honorable Court:

(1) Statutory damages;

(2) Litigation expenses and costs of suit; and

(3) Punitive Damages

(4) Such other or further relief as the Court deems proper.

COUNT X
Intentional Infliction of Emotional Distress
Wells Fargo Enterprise

229. Mr. Palladino incorporates all preceding paragraphs as if fully set forth herein.

230. Defendants conduct alleged herein, specifically the willful and knowingly

fraudulently scheme to falsify the loan application, TILA, debt-to-income ratios, assignment, and

produce an indorsed note all in an effort to steal Mr. Palladinos home caused him severe and

emotional distress.

231. The scheme orchestrated by the Defendants caused Mr. Palladino may sleepless

nights, fear, worry, and anxiety. Mr. Palladino contacted Government Agencies, friends,

strangers, all in a desperate attempt to fight for his home, family, and life.

232. Mr. Palladino felt deeply disillusioned and oppressed as an American citizen

resulting from his experience with the Banking Giants, the justice system, and their law firms

retained to help them steal his home and destroy his life savings and family.

40
Case: 1:15-cv-10610 Document #: 65 Filed: 04/13/16 Page 41 of 41 PageID #:449

233. At times, Mr. Palladino felt numb, disconnected, vulnerable and felt the system

had defeated him no matter what he tried to do. He felt like he was the victimized twice. Onceby

the Defendants, and second by the Courts.

234. It was cruel and unusual punishment for a citizen to have to suffer at the type of

injustice that happened to Mr. Palladino.

235. As a result of Defendants conduct, Mr. Palladino endured severe and extreme emotional

distress that resulted in stress, jail time, anxiety and a judgment for dissolution of marriage.

236. As a direct and proximate result of Defendants willful and wanton conduct Mr. Palladino

suffered emotional distress, monetary losses and has been damaged in excess of $300,000.00.

WHEREFORE, Mr. Palladino respectfully requests that this Honorable Court:

(1) Actual damages;

(2) Litigation expenses and costs of suit;

(3) Punitive Damages for Defendants willful and wanton conduct; and

(4) Such other or further relief as the Court deems proper.

JURY DEMAND: Mr. Palladino demands a trial by jury.

Respectfully submitted,

By: /s/ Herbert Hill


Plaintiffs Attorney

Herbert Hill
The Law Office of Herbert Hill
605 N. Broadway
Aurora, Illinois 60505
Atty No: 1214853
P: 630-742-0374
h.hilllegaleagle1@gmail.com

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Case: 1:15-cv-10610 Document #: 65-4 Filed: 04/13/16 Page 2 of 7 PageID #:507
Case: 1:15-cv-10610 Document #: 65-4 Filed: 04/13/16 Page 3 of 7 PageID #:508
Case: 1:15-cv-10610 Document #: 65-4 Filed: 04/13/16 Page 4 of 7 PageID #:509
Case: 1:15-cv-10610 Document #: 65-4 Filed: 04/13/16 Page 5 of 7 PageID #:510
Case: 1:15-cv-10610 Document #: 65-4 Filed: 04/13/16 Page 6 of 7 PageID #:511
Case: 1:15-cv-10610 Document #: 65-4 Filed: 04/13/16 Page 7 of 7 PageID #:512
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Case: 1:15-cv-10610 Document #: 65-5 Filed: 04/13/16 Page 1 of 1 PageID #:513

Ex 5
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Case: 1:15-cv-10610 Document #: 65-6 Filed: 04/13/16 Page 1 of 1 PageID #:514

Ex 6
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Case: 1:15-cv-10610 Document #: 65-7 Filed: 04/13/16 Page 1 of 5 PageID #:515

Ex 7
Case: 1:15-cv-10610 Document #: 65-7 Filed: 04/13/16 Page 2 of 5 PageID #:516
Case: 1:15-cv-10610 Document #: 65-7 Filed: 04/13/16 Page 3 of 5 PageID #:517
Case: 1:15-cv-10610 Document #: 65-7 Filed: 04/13/16 Page 4 of 5 PageID #:518
Case: 1:15-cv-10610 Document #: 65-7 Filed: 04/13/16 Page 5 of 5 PageID #:519
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Case: 1:15-cv-10610 Document #: 65-8 Filed: 04/13/16 Page 1 of 1 PageID #:520

Ex 8
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Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 1 of 29 PageID #:521

Ex 9
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 2 of 29 PageID #:522
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 3 of 29 PageID #:523
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 4 of 29 PageID #:524
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 5 of 29 PageID #:525
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 6 of 29 PageID #:526
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 7 of 29 PageID #:527
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 8 of 29 PageID #:528
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 9 of 29 PageID #:529
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 10 of 29 PageID #:530
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 11 of 29 PageID #:531
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 12 of 29 PageID #:532
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 13 of 29 PageID #:533
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 14 of 29 PageID #:534
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 15 of 29 PageID #:535
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 16 of 29 PageID #:536
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 17 of 29 PageID #:537
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 18 of 29 PageID #:538
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 19 of 29 PageID #:539
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 20 of 29 PageID #:540
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 21 of 29 PageID #:541
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Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 27 of 29 PageID #:547
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 28 of 29 PageID #:548
Case: 1:15-cv-10610 Document #: 65-9 Filed: 04/13/16 Page 29 of 29 PageID #:549
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Case: 1:15-cv-10610 Document #: 65-10 Filed: 04/13/16 Page 1 of 5 PageID #:550

Ex 10
Case: 1:15-cv-10610 Document #: 65-10 Filed: 04/13/16 Page 2 of 5 PageID #:551
Case: 1:15-cv-10610 Document #: 65-10 Filed: 04/13/16 Page 3 of 5 PageID #:552
Case: 1:15-cv-10610 Document #: 65-10 Filed: 04/13/16 Page 4 of 5 PageID #:553
Case: 1:15-cv-10610 Document #: 65-10 Filed: 04/13/16 Page 5 of 5 PageID #:554
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Case: 1:15-cv-10610 Document #: 65-12 Filed: 04/13/16 Page 1 of 4 PageID #:559

Ex 12
Case: 1:15-cv-10610 Document #: 65-12 Filed: 04/13/16 Page 2 of 4 PageID #:560
Case: 1:15-cv-10610 Document #: 65-12 Filed: 04/13/16 Page 3 of 4 PageID #:561
Case: 1:15-cv-10610 Document #: 65-12 Filed: 04/13/16 Page 4 of 4 PageID #:562
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Case: 1:15-cv-10610 Document #: 65-13 Filed: 04/13/16 Page 1 of 6 PageID #:563

Ex 13
Case: 1:15-cv-10610 Document #: 65-13 Filed: 04/13/16 Page 2 of 6 PageID #:564
Case: 1:15-cv-10610 Document #: 65-13 Filed: 04/13/16 Page 3 of 6 PageID #:565
Case: 1:15-cv-10610 Document #: 65-13 Filed: 04/13/16 Page 4 of 6 PageID #:566
Case: 1:15-cv-10610 Document #: 65-13 Filed: 04/13/16 Page 5 of 6 PageID #:567
Case: 1:15-cv-10610 Document #: 65-13 Filed: 04/13/16 Page 6 of 6 PageID #:568
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Case: 1:15-cv-10610 Document #: 65-14 Filed: 04/13/16 Page 1 of 1 PageID #:569

Ex 14
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Case: 1:15-cv-10610 Document #: 65-15 Filed: 04/13/16 Page 1 of 1 PageID #:570

Ex 15
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Case: 1:15-cv-10610 Document #: 65-16 Filed: 04/13/16 Page 1 of 1 PageID #:571

Ex 16
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Case: 1:15-cv-10610 Document #: 65-17 Filed: 04/13/16 Page 1 of 7 PageID #:572

Ex 17
Case: 1:15-cv-10610 Document #: 65-17 Filed: 04/13/16 Page 2 of 7 PageID #:573
Case: 1:15-cv-10610 Document #: 65-17 Filed: 04/13/16 Page 3 of 7 PageID #:574
Case: 1:15-cv-10610 Document #: 65-17 Filed: 04/13/16 Page 4 of 7 PageID #:575
Case: 1:15-cv-10610 Document #: 65-17 Filed: 04/13/16 Page 5 of 7 PageID #:576
Case: 1:15-cv-10610 Document #: 65-17 Filed: 04/13/16 Page 6 of 7 PageID #:577
Case: 1:15-cv-10610 Document #: 65-17 Filed: 04/13/16 Page 7 of 7 PageID #:578
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Case: 1:15-cv-10610 Document #: 65-18 Filed: 04/13/16 Page 1 of 9 PageID #:579

Ex 18
Case: 1:15-cv-10610 Document #: 65-18 Filed: 04/13/16 Page 2 of 9 PageID #:580
Case: 1:15-cv-10610 Document #: 65-18 Filed: 04/13/16 Page 3 of 9 PageID #:581
Case: 1:15-cv-10610 Document #: 65-18 Filed: 04/13/16 Page 4 of 9 PageID #:582
Case: 1:15-cv-10610 Document #: 65-18 Filed: 04/13/16 Page 5 of 9 PageID #:583
Case: 1:15-cv-10610 Document #: 65-18 Filed: 04/13/16 Page 6 of 9 PageID #:584
Case: 1:15-cv-10610 Document #: 65-18 Filed: 04/13/16 Page 7 of 9 PageID #:585
Case: 1:15-cv-10610 Document #: 65-18 Filed: 04/13/16 Page 8 of 9 PageID #:586
Case: 1:15-cv-10610 Document #: 65-18 Filed: 04/13/16 Page 9 of 9 PageID #:587
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Case: 1:15-cv-10610 Document #: 65-19 Filed: 04/13/16 Page 1 of 5 PageID #:588

Ex 19
Case: 1:15-cv-10610 Document #: 65-19 Filed: 04/13/16 Page 2 of 5 PageID #:589
Case: 1:15-cv-10610 Document #: 65-19 Filed: 04/13/16 Page 3 of 5 PageID #:590
Case: 1:15-cv-10610 Document #: 65-19 Filed: 04/13/16 Page 4 of 5 PageID #:591
Case: 1:15-cv-10610 Document #: 65-19 Filed: 04/13/16 Page 5 of 5 PageID #:592
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Case: 1:15-cv-10610 Document #: 65-20 Filed: 04/13/16 Page 1 of 2 PageID #:593

Ex 20
Case: 1:15-cv-10610 Document #: 65-20 Filed: 04/13/16 Page 2 of 2 PageID #:594
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Case: 1:15-cv-10610 Document #: 65-21 Filed: 04/13/16 Page 1 of 2 PageID #:595

Ex 21
Case: 1:15-cv-10610 Document #: 65-21 Filed: 04/13/16 Page 2 of 2 PageID #:596
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Case: 1:15-cv-10610 Document #: 65-22 Filed: 04/13/16 Page 1 of 1 PageID #:597

Ex 22
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Case: 1:15-cv-10610 Document #: 65-23 Filed: 04/13/16 Page 1 of 1 PageID #:598

Ex 23
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Case: 1:15-cv-10610 Document #: 65-24 Filed: 04/13/16 Page 1 of 2 PageID #:599

Ex 24
Case: 1:15-cv-10610 Document #: 65-24 Filed: 04/13/16 Page 2 of 2 PageID #:600