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l ADAM S LAW GROUP, LTD.

JAMES R. ADAMS, ESQ.2 Nevada Bar No. 6874 ytlkj ,

?,2) - g Gk il !Assl-y SAYYAR, ESQ.3 Ncvada Bar No. 91788681 W . Sahara Avc, Suite 280

4 Las N-egas, Nevada 891 17

Tel: 702-838-7200 -5 i'ax: 702-838-3636

'

ames@ adam slawnevada.com6

PUOY K. PREMSRIRUT, ESQ., INC.7 Puoy K . Premsrirut, Esq.Ncvada Bar No. 7141

8 520 s. Foul'th strcc ,t 2nd Floor

Las vegas, NV 891019 (702) 384-5563(702)-385- 1752 Fax10 relnslil.tlt@ brownlawlv.coluPP

Attorneys/Relatorsl l

LTNITED STATES DISTRICT COIJRTl 2

DISTRICT OF NEVADA! pj l 3yj j UNITED STATES OF AMERICA, cx. tx,I.,l 41- 7 pjaintjff

,T. T 15l l JAMES R. ADAM S andpuo v It. PREM SRIRUT 2:1 1-cV-00535-RLH -RJJl

1 6 Jtelators,h)

l 7 vs .

l 8 w E t. L s F A R G O B A N K N A T I O N A LASSOCIATION;BAC HOME LOANS SERVICING

19 I-p; CITIM ORTGAGEINC.; US BANK NATIONALASSOCIATION; CHASE HOM E FINANCE LLC.;

20 M IDFIRST BANK; GM AC M ORTGAGE LLC;CO UN TRY W ID E H OM E LO AN S IN C.;

21 SUNTRUST M ORTGAGE INC.; FLAGSTAR COM PLAINT

BANCORP. INC.; FIRST HORIZON NATIONAL22 CORPORATION; M ETLIFE BANK NATIONAL

ASSOCIATION; BANK OFAM ERICA NATIONAL23 ASSOCIATION; TAYLOR BEAN & W HITAKER

M ORTGAGE CORP; NEVADA ASSOCIATION24 SERVICE & INC.;RMIM ANAGEM EN X LLC., dba

RED RO CK FIN AN CIA L SERV ICES;25 HOM EOw NER ASSOCIATION SERVICE

,S INC.;ALESSI & KOENI ,G LLC; HAM PTON &

26 HAM PTON; ANGILTS & TERRY COLLECTIONS,

LL(2.; SILVER STATE TRUSTEE SERVICES

28

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l ACACIAS CONDOM N UM ASSOCIATION ; ADAGIOHOM EOW NERS'ASSOCIATION; ADM IRAL'S POINT

2 HOM EOW NERS ASSOCIATION; ADM IRAL'S POINT11 OWNERS' ASjOCIATION; AGAVE COMMUNITY3 HOMEOWNERS

' ASSOCIATION ; ALESIS HEIGHTSUNITOWNERS ASSOCIATION;ALEXANDER PARK4 HOMEOWNE

RS' ASSOCIATION ; ALEXANDERSTATION COM M LTNITY ASSOCIATION; ALIANTE

5 COVE HOM EOW NERS ASSOCIATION; ALIANTEG STER ASSOCIATION;ALLEGRO HOW OW X RS

6 ASSOCIATION; ALLEN M ANOR HOM EOW NERSA SSO CIA TIO N ; ALLURE H OM EO W NERS'

7 ASSOCIATIO ZN IN JC ; ALLURE 1 TOW NHOM ESHOM EOW NERS' ASSOCIATION ; ALON DRA

8 H O M EOW NERS' A SSO CIATION ; A LTAIRHOM EOW NERS ASSOCIATION ; AM A RILLO

9 HOM EOW NERS ASSOCIATION; AM BER HILLS 11HOM EOW NERS' ASSOCIATION !

- IN SC ; AM BER

10 RID G E A SSO CIATIO N ; A M BER RID G ECOM M UNITY ASSOCIATION; AM BER RIDGE

11 CONDOM INIUM ASSOCIATION ; AM BER W OODHOM EOW NERS ASSOCIATION ; AM ERICAN

12 VILLAGE ASSOCIATION, INC; AM ERICAN W ESTVILLAGE 11 OW NERS ASSOCIATION; AM ERICAN

13 W EST VILLAGE OW NERS ASSOCIATION ; ANGELPOINT HOM EOW NERS ASSOCIATION ;ANN LOSEE

14 HOM EOW NERS ASSOCIATION; ANSEDONIA AT

SOUTHERN HIGHLANDS IIOMEOWNERj15 ASSOCIATION; ANTELOPE HO M EOW NERS'

ASSOCIATIO N ; AN TH EM H IG HLA ND S16 COM M UNITY ASSOCIATION; ANTHEM COUNTRY

CLUB COMMUNITY ASSOCIATION; APACHE17 SPRIN GS HO M EOW NERS' ASSOCIATION ;

APPALOOSA CANYON/QUARTERHORSE FALLS1 8 HOM EOW NERS ASSOCIATION; APPROACI-I 80

HOM EOW NERS ASSOCIATION; APSEN HILLS 1119 ASSOCIATION; ARBOR GLEN HOM EOW NERS

ASSOCIATION; A RBOR LANE LAND SCAPE20 M AINTENANCEASSOCIATIONUINC.; ARBOR PARK

COM M UNITY ASSOCIATION; ARBUCKLE DRIVE21 HOMEOWNERS ASSOCIATIO Y INC.; ARDIENTEHOMEOWNERS ASSOCIATI

ON; ARLINGTON22 RANCH ESTATES HOM EOW NERS ASSOCIATION;

ARLINGTON RANCH LANDSCAPEM AINTENANCE23 ASSOCIATION ; ARLINGTON RANCH M ANOR

HOM EOW NERS ASSOCIATION ; ARLINGTON24 RA NCH NORTH M ASTER ASSOCIATION ;

ARLINGTON W EST TW ILIGHT HOM EOW NERS25 ASSOCIATION; ARROW HEAD POINTE OW NERS

A SSO CIA TIO N, INC.; ARROYO GRA ND E26 LAO SCAPE M AINTENANCEASSOCIATION=INCU;

ARROYO M ESA TOW NHOM ES HOM EOW NERS27 ASSOCIATION; ASHFORD PARK HOM EOW NERS

ASSOCIATION ; ASHLEY RIDGE HOM EOW NERS28

Page 2 of 56

l ASSOCIATION; ASPEN HILLS 11 ASSOCIATION;ASPEN M EADOW SHOM EOW NERS ASSOCIATION;

2 ASPEN PEAK HOM EOW NERS' ASSOCIATION INC.;ASSOCIATION OF HOM EOW NERS OF TIBURON

3 ESTATES - 3) ASTO RIA TRAILS NORTHHOM EOW NERS ASSOCIATION; ATRIUM GARDENS

4 HOM E OW NERS ASSOCJATION; AUBLTRN ANDBRADFORD AT PROVIDENCE HOM EOW NERS'

5 ASSOCIATION : A UG USTA BELFORD AN DELLINGWOOD HOMEOWNERS YSSOCIATION;

6 AURORA ASSOCIATION ; AU RORA GLENHOM EOW NERS ASSOCIATION; AUTUM N RIDGE

7 HOM EOW NERS ASSOCIATION; AU Q JMN RIDGE l1IH O M EO W N ER S' A SSO CIATION ) AV A D A

8 H OM EO W NER S ASSO CIATION ) AVA LO NCONDOM INIUM S AT SEVEN HILLS HOM EOW NERS'

9 A S S O C IA T l O N ; A V E L L l N O E S T A T E SHO M EOW NERS ASSOCIATION; AVELLLINO

10 ESTATES HO M EOW N ERS A SSOCIATION ;AVENDALE HOM EOW NERS ASSOCIATION ;

1 1 A V E N T I N E - T R A M O N T I H O M E O W N E R SASSOCIATION; AVERY COURT ASSOCIATION;

12 AVIANO HOM EOW NERS' ASSOCIATION; AVIARA! HOMEOWNERS ASSOCIATION; AVILA COURT1 j : y y 13 ASSOCIATION; AVILA PARK HOMEOWNERS- 6 M # ASSOCIATION; AZURE ESTATES OWNERSt y11 j

14 Assoclv lox INc.; AZIJRE MANOR/RANCHO DE@! r 1 PR j' PAZ HOMEOVNERS ASSOCIATION; BACARA

C' r', 15 RIDGE ASSOCIATION; BAR ARBOR GLEN AT$:r y1 PROVIDENCE HOMEOWNERS ASSOCIATION;t#1l 1 16 BAYCLIFFCREEKS HOMEOWNERS ASSOCIATION;1 1

z BsAcox HILI- HoslEowxERs Assoclv lox;1 :: u g''i x 17 BEAUM ONT HOMEOW NERS ASSOCIATION; BEL

AIRE VILLAGE, IN .C ; BELCREST HOM EOW NERS1 8 ASSOCIATION; BELLA LAGO HOM EOW NERS

ASSOCIATION; BELLA VICENZA IIOM EOW NERS19 ASSOCIATION; BELLA VISTA ASSOCIATIONt

BELLA VISTA CONDOM INIUM UNIT- OW NERS20 ASSOCIATION, INC.; BELLA VITA HOM EOW NERS

ASSOCIATION; BELLE CREST 11 HOM EOW NERS21 ASSOCIATION; BELLE ESPRIT HOM EOW NERS

ASSOCIATION; BELM ONT PARK COM M UNITY22 A SSO CIA TION ; BENTON HO M EO W NERS

A S S O C 1 A T 10 N ; B E R K S H I R E E S T A T E S23 HOM EOW NERS ASSOCIATION; BERKSHIRE

ESTATES 11 HOM EOW NERS ASSOCIATION;24 BERKSHIRE H OM EOW NERS ASSOCIATION;

BIGHORN AT BLACK M OUNTAIN HOM EOW NERS25 ASSOCIATION; BILBRAY RANCH COVE EAST &

CROSSING W EST HOM EOW NERS ASSOCIATION;26 B l L B R A Y R A N C H M A N O R /E S T A T E S

HOM EOW NERS ASSOCIATION; BILBRAY RANCH27 M ASTER HOM EOW NERS ASSOCIATION; BLACK

HAW K HOM EOW NERS ASSOCIATION; BLACK28

Page 3 of 56


I M OUNTAIN OW NERS' ASSOCIATION; BLACKM O UNTAIN RANCH PROPERTY O W NERS'

2 ASSOCIATION; BLACK M OUNTAIN VISTASM A STER ASSO CIATIO N ; BLA CK H OR SE

3 C ON D O M I N1U M S ; B L UE B ELL D R l VEHOM EOW NERS ASSOCIATION, INC.; BLUE

4 DIAM OND SPRINGS LANDSCAPE M AINTENANCEASSOCIATION, IN .C ; BLUFFS COM M UNITY

5 ASSOCIATION; BOCA RATON CONDOM INIUMCOM M UNITY ASSOCIATION; BONITA HILLS

6 ASSOCIATION ; BO RDEAU X HOM EOW NERSASSOCIATION, INC.; BORGATA HOM EOW NERS

7 A SSO CIATION , INC .; BO ULDER CO URTHOM EOW NERS ASSOCIATION; BOULDER CREEK

8 HOM EOW NERS ASSOCIATION ; BOLTLDER RANCHM ASTER ASSOCIATION ; BRADFORD PLACE

9 COM M UNITY ASSOCIATION, INC.; BRADLEYR A N C H S U B D 1 V 1 S l O N H O M E O W N E R S

10 ASSOCIATION ; BREAKERS CREEK DRIVEHOM EOW NERS ASSOCIATION, INC.; BREAM OOR

11 H EIG H TS C O M M U N ITY A SSO CIATION ;BRECKEN RID GE AT M O UN TA IN S ED GE

12 HOM EOW NERS ASSOCIATION; BRENTW OOD

! LANDSCAPEMAINTENANCEASSOCIATION, INC.;) t z: a s 13 BRIARHILLPARKHOMEOWNERS ASSOCIATION;'kQ 07- x:l a7 $1 BRIARWOOD 2 HOMEOWNERS ASSOCIATION;é E 1 $ j 14 BRIARWOOD 3 HOMEOWNERS ASSOCIATION

;J 1 ( f'g BRIARWOOD HOMEOWNERS ASSOCIATION;j r y'- tr& 15 BRIDGEPORT HOMEOWNERS ASSOCIATION;1 é j j j BRIGHTON AT PROVIDENCE HOMEOWNERS lj< - i ! 16 ASSOCIATION; BRIGHTON HOMEOWNERSat-s

g 1 Z 1 Z ASSOCIATION; BRIGHTON MAINTENANCE Iet j 17 CORPORATION; BRIGHTONRIDGEHOMEOWNERS 1

A SSOCIA TION ; BRIG HTON VILLA GE 11 ;

18 COMMUNITY YSSOCIATION; BRISTOL HEIGHTSHOMEOWNERS' ASSOCIATION; BUCKINGHAM AT

19 HUNTINGTON I'IOM EOW NERS ASSOCIATION ;BUENA VISTA HOM EOW NERS ASSOCIATION;

20 BUNKER COM M ONS ESTATES LANDSCAPE ANDDRAINAGEM AINTENANCEASSOCIATION;CACCIE

21 HOM EOW NERS ASSOCIATION; CACTUS COURTHOM EOW NERS ASSOCIATION; CACTUS CREEK AT

22 M OUNTAINS EDGEHOM EOW NERS ASSOCIATION;CACTUS HILLS CRO SSING HOM EOW NERS

23 ASSOCIATION; CACTUS HILLS SQUAREHOM EOW NERS ASSOCIATION; CACTUS HILLS

24 TWHJGHTHOMEOWNERS ASSOCIATION; CACTUjSPRINGS AT FAIRFAX VILLAGE HOMEOWNERS25 ASSOCIATION; CACTUS SPRINGS AT PIJEBLO

CROSSING HOM EOW NERS ASSOCIATION; CAG US26 SPRINGS COM M LTNITY ASSOCIATION; CALABRIA

H OM EOW NERS ASSOCIATION ; CALAVERA27 HOM EOW NERS ASSOCIATION ; CALIM ESA

H OM EO W NERS A SSOCIATION ; C AM BRIA28

Page 4 of 56

c. XA 6%H- ;Q > c)W Z '- C YL2 '-' &4 C 'n V) CN t'x V9m cf I C%D Y X VX c-

.eh ;J c (Z C 'nV Z .e X> > CN rxlZ = = a< z > >> w' we < u4 ul<t œ zc h< < =Q = :9 2 x

.v) < X h2> ua Vx :f w

.. 17 = <<: % < = u.= = h'-.< -

1 CO LIN A S HO M EOW NERS A SSO CIATIO N ;CAM BRIA HILLS HOM EOW NERS ASSOCIATION;

2 CAM BRIA H OM EOW NERS ASSOCIATION ;CAM BRIA M AINTENA NCE ASSOCIATION ;

3 CA M B R ID G E C RO S S l N G C O M M U N IT YA S S O C l A T 10 N ; C A M B R I D G E H El G H T S

4 COM M UN ITY A SSOCIATION ; CAM BRID GEHOM EOW NERS ASSOCIATION; CAM ERON AND

5 CRESTONE HOM EO W NERS ASSOCIATION;CANTU RA H OM EO W N ERS A SSOCIATION ;

6 CAN YON CREEK NO RTH HO M EO W NERSASSOCIATION ; CANYON CREEK VILLAS

7 HOM EOW NERS ASSOCIATION; CANYON CRESTASSOCIATION; CANYON CREST COM M UNITY

8 ASSO CIA TION ; CAN YON G ATE M ASTERASSOCIATION; CANYON SPRINGS HOMEOWNERj

9 ASSOCIATION; CANYON W ILLOW OW NERS'ASSOCIYTION; CANYON W ILLOW PECOS

10 OW NERS'ASSOCIATION ; CANYON W ILLOW TROPOWNERS'YSSOCIATION; CANYON WILLOW WEST

l 1 OW NERS' ASSOCIATION ; CAPAROLA ATSOUTH ERN H IG HLAN D S HO M EO W N ERS

12 A SSO CIATION ; C APELLA HO M EO W NERSASSOCIATION; CAPISTRANO AT SEVEN HILLS

13 HOM EOW NERS ASSOCIATION; CAPISTRANOHOM EOW NERS ASSOCIATION; CAPRI UNIT

.2214 H OM EOW NERS ASSOCIATION ; CARLISLE

HOM EOW NERS ASSOCIATION; CARM EL COVE15 HOM EOW NERS ASSOCIATIO ,N INC.; CARM EL

RIDGE ASSOCIATION; CARNEGIE IIEIGHTS16 HOM EOW NERS ASSOCIATION ; CARNEGIE HILLS

HOM EOW NERS ASSOCIATION; CASA GRANDE17 HOM EOW NERS ASSOCIATION) CASA M ESA

CONDOM INIUM S HOM EOW NERS ASSOCIATION;l 8 C A S A M E S A V l L L A S H O M E O W N E R S

ASSOCIATION; CASA RO SA HOM EOW NERS19 A SSO CIAT IO N ; CA SA V EG A S A D U LT

CONDOM INIUM S ASSOCIATION; CASABLANCA20 HOM EOW NER S ASSO CIATIO N; CA SCADE

I'IOM EOW NERS ASSOCIATIO .UN INC.;CASTELLINA

21 HOM EOW NERS ASSOCIATION; CASTELLINA 1I1HOM EOW NERS ASSOCIATION; CASTLE BAY

22 SHORE COM M UNITY ASSOCIATION , INC.;CASTLEGATE HOM EOW NERS ASSOCIATION ;

23 CASTLERIDGE ESTATES AT TRAIL CANYONOWNERS ASSOCIATIOV INC.; CEDAR CRESTU.A

24 TOW NHOUSE ASSOCIATION; CEDAR SPRINUSHOM EOW NERS ASSOCIATION; CEDARCREST, A

25 TOW N HO USE A SSOCIATIO N ; CELEBRITYHOM EOW NERS' ASSOCIATION; CENTENNIALAND

26 LAM B ASSOCIATION ; CENTENNIAL CROSSINGHOM EOW NERS ASSOCIATION; CENTENNIAL

27 HEIG HTS H OM EOW NERS A SSO CIA TIO N ;C E N T E N N I A L P A R K H O M E O W N E R S

28

Page 5 of 56

c;. Xa rqF< 7Q rm o= Z '-' C Um .- ..) m> A P 0. m14 .& ' 1%X$ Z' X O7'.. < ccC) '* CZ 'xl CQu z: < M:X > CX '-'J > ku o r% 1< z rx c)> .v. >'.. < uq x w

< = ;n =< < HQ .- t3 O.- cu m >A < p. = y- ûc .u2: . tr = ùd > < = <''v

.u 8-. Q'Q .-.

d xcX

1 ASSOCIATION; CENTENNIALPOINTCOM M UNITYASSOCIATION; CENTENNIAL VILLAGE NORTH

2 HOM EOW NERS' ASSOCIATION; CENTENNIALVILLAGE SOUTH HOMEOWNERS' ASSOCIATIOY;3 CENTRAL PARK EST

ATES HOM EOW NER'SA S S O C IA T 1 O N ; C E N T U R Y M E A D O W S

4 HOM EOW N ERS A SSOC.; CHALET VEGASHOM EO W NERS ASSOCIATION ; CHAM PION

5 VILLAGE M ASTER ASSOCIATION ; CHAPEL HILLHOM EOW NERS' ASSOCIATION; CHARI.EM ONT

6 CONDOM INIUM S HOM EOW NERS ASSOCIATION;CHARLESTON HEIGHTS 29-5 TOW NHOUSEOW NERS ASSOCIATION, INC.; CHARLESTONi'l E 1 G H T S 5 0 G T O W N H O U S E O W N E R S

8 ASSOCIATION ; CHARLESTON VILLAGE HOM ESHOMEOWNERS ASSOCIATION; CHATEALJ9 NOUVEAU CONDOMINIUM U

NIT-OW NERS'ASSOCIATIO ,N INC.; CHATEAU VERSAILLES

10 CONDOM INIUM UNIT-OW NERS' ASSOCIATIONIN .C ; CHATHAM HILLS ASSOCIATION; CHERRU

1 1 LANE A SSOCIATIO N; CHER RY W OO D I1IHOM EOW NERS ASSOCIATION; CHEYENNE AT

12 SOUTHFORK OW NERS ASSOCIATION, INC.;CHEYENNE HILLS AT SOUTIIFORK OW NERS

13 ASSOCIATION, INC., CI-IEYENNE PARK VILLASHOMEOWNERS ASSOCIATIO N INC.; CHEYENNE

14 RIDGEHOM EOW NERS ASSOCIATION; CIIEYENNEVALLEY HOM EOW NERS ASSOCIATION ; CIERRA

(5 CONDOM INIUM ASSOCIATIO N; CIM ARRONGOWANCOMMUNITY AjSOCIATION; CIMARRON

16 HILLS HOM EOW NERS' ASSOCIATION, INC.;CIM ARRON RIDGE ASSOCIATION; CIM ARRON

17 RIDGE OW NERS ASSOCIATION ; CIM ARRONS PRI N G S O W NER S A S S O C l AT l O ,N IN C . ;

18 CIM ARRON VILLAGE NORTH HOM EOW NERSASSOCIATION ; CIM ARRON W EST HOM ES

19 ASSOCIATION ; CINNAM ON RIDGE COM M UNITYASSOCIATION ; CITRUS GARDENS HOM EOW NERS

20 ASSOC IATION ; CITY LIG H TS ESTATESHOM EO W NERS ASSOC IATIO N ; CIVA N O

21 HOM EOW NERS ASSOCIATION; CLARE RIDGE lA S S O C I A T 10 N ; C L A S S I C /E S T A T E S A T

22 CEN TEN N IA L RA N C H H O M EO W N ER SASSOCIATION ; CLIFF SHADOW S HOM EOW NERS

23 ASSOCIATION ; CLUB ALIANTE HOM EOW NER'SASSOCIATION ; COBBLESTONE M ANOR 11

24 LANDSCAPE M AINTENANCE ASSOCIATION;COBBLESTONE VILLAGE ASSOCIATION; COLD

25 CREEK CANYON HOMEOWNERS ASSOCIATIOY;COLLINA AT M OUNTAIN'S EDGE HOM EOW NER'S

26 ASSOCIATION ; COLONY NORTH HOM EOW NERS'ASSOCIATION ; COLW OOD PLACE COM M UNITY

27 ASSOCIATIO JN INC.; COM M ERCE VILLAGEHOM EOW NERS ASSOCIATION ; CONDOM INIUM S

28

Page 6 of 56

l AT TilE DISTRICT UNIT-OW NERS' ASSOCIATION,INC.; COPPER BLLTFS OW NERS ASSOCIATION;

2 COPPER CREEK ESTATES HOM EOW NERSM SOCIATION; COPPER CREEK HOM EOW NERS

3 ASSOCIATION; COPPER CREST HOM EOW NER'SASSO C IA TIO N , IN C .; CO PPER PALM S

4 HOM EOW NERS ASSOCIATION, lNC.) COPPERRIDGE COM M LJNITY ASSOCIATION; COPPER

5 SANDS HOM EOW NERS ASSOCIATION , INC.;COPPERFIELD HOM EOW NERS ASSOCIATION;

6 COPPERI-IEAD RANCH STREET AND LANDSCAPEM AINTENANCE CORPORATION; COPPERIV AD

7 TRAILS STREET AND LAO SCAPEM AINTENANCECORPORATION; CORAL CREST ASSOCIATION ;

8 CORAL CREST 1I1 HOM EOW NERS ASSOCIATION;CORAL PALM S UNIT-OW NERS' ASSOCIATION;

9 CORAL RIDGE HOM EOW NERS ASSOCIATION;CORNERSTONE HOM EOW NERS ASSOCIATION;

10 CORONADO HOMEOWNERS ASSOCIATIONiC O R O N A D O P A L M S H O M E O W N E R S

11 ASSO CIA TION ; CO RON AD O RAN CH 111LANDSCAPE M AINTENANCE CORPORATION;

l 2 C O R O N A D O R A N C 11 IV L A N D S C A P E

h MAINTENANCE CORPORATION, A NEVADA1 T q : a 13 NON-PROFITCORPORATION; CORONADO RANCHm'Q at è p'/ $1 LANDSCAPE MAINTENANCE CORPORATION;o> ; 6< xx !) 14 CORTE MADERA HOMEOWNERS ASSOCIATION;al j .7 .& Q' CORTEZ HEIGHTS HOMEOWNERS ASSOCIATION;D 1 r .U rG 1 5 C O R T O N A L l M I T E D H O M E O W N E R S- ! i 7 ASSOCIATION; COTTONWOOD AT SUN.RISEëjj < ;j j 1 16 MOUNTAIN HOMEOWNERS ASSOCIARION)1 Y .1 )@ Z COTTONW OOD IIOMEOWNERS ASSOCIATION;et j 17 COTTONWOOD ON ALEXANDER HOMEOWNERSASSOCIATION; COTTO NW OO D TERRACE

18 COM M UNITY ASSOCIATION; COUNTRY GARDENSLANDSCAPELLC; COUNTRY GLEN ASSOCIATION;

19 CO UNTRY I'IILLS HOM EOW NERS ASSOCIATION;COUNTRY LANE ESTATES 11 HOM EOW NERS

20 ASSOCIATION, INC,; COUNTRY RIDGE l1lHOM EOW NERS ASSOCIATION ; COUNTRYSIDE

21 HOM EOW NERS ASSOCIATION ; CO URT ATALIANTE HOM EOW NERS ASSOCIATION; COURT

22 YARDS AT SPANISH TRAIL ASSOCIATION;CO URTSIDE TOW N HOM ES ASSOCIATION ;

23 COU RTY ARD SU NSCA PE H OM EO W NERSA S S O C 1 A T 1 C? N ; C O Y O T E W 1 L L O W S

24 HOM EOW NERS' ASSOCIATION; CRAIGM ONTV ILLA S H O M EOW N ER S A SSO C IATIO N ;

25 CREEKSIDE HOM EOW NERS ASSOCIATION ;CREEKSIDE 11 HOM EOW NERS ASSOCIATION ;

26 CREEKSIDE 1I1 HOM EOW NERS ASSOCIATION ;CRESCENDO AT SILVER SPRINGS HOM EOW NERS

27 ASSOCIATION; CRESCENTVALLEY ASSOCIATIONtC R E S T W A Y T R A I L S H O M E O W N E R S

28

Page 7 of 56I!

c)x M:r- mM z >. 1 n= -'

co= -- Fi* :* QY > <â. x . TD Y < X coQ O Q FC C%kz = xN oa < n .-.> > .2 &1CD = o< z F: tx> < w w.- . u = m<1 u=< x kc ujQ x L5 Cm = X:z) < > m gr*A CO % oa . m

'C /2 < Q d= E- mQ -

d /

l ASSOCIATION; CRESTW OOD HOM EOW NERSASSOCIATION; CRIMSONHEIGHTS ASSOCIATION;

2 CROSSROADS HOM EOW NERS' ASSOCIATIONlIN C.; C ROSSRO AD S 11 H O M EO W NERS

3 A SSOC IATION , IN C.; CR OSSRO A DS lllHOM EOW NERS' ASSOCIATION, INC.; CRYSTAL

4 SPRING S NEIGH BORHOOD H OM EOW NERSASSOCIATION; D .I.M .E. ADULT #3 ASSOCIATION;

5 DAISY LEE H OM EOW NERS ASSOCIATION ;DAKOTA CONDOM INIUM ASSOCIATION ; DAVYN

6 RIDGEHOM EOW NERS'ASSOCIATION; DAYDAW NCROSSING HOM EOW NERS ASSOCIATION; DAY

7 DAW N ESTATES HOM EOW NER ASSOCIATION;D A Y D A W N V ILLA GE H O M EO W NERS

8 ASSOCIATION; DAY DAW N VISTA HOM EOW NERSASSOCIATION; DAYBREAK GARDENS PROPERTY

9 ASSOCIATION; DAYSPRING PROPERTY OW NERSASSOCIATION, IN .C ;DEERBROOKEHOM EOW NER

10 ASSOCIATION; DEL M AR DOW NS HOM EOW NERSASSOCIATION; DESERT BLOOM HOM EOW NERS

11 ASSOCIATION; DESERT CANYON HOMEOWNERjASSOCIATION; DESERT COVE HOM EOW NERS'

l 2 A S S O C l A TI O N , IN C . ; D E S E RT C R EE KIIOMEOWNERS ASSOCIATION. INC.; DESERT1 3 CREST HOM EOW NERS' ASSOCIATION; DESERT

GARDEN HOM EOW NERS ASSOCIATION INC;14 DESERT GREENS HOM EOW NERS ASSOCIATION;

DESERT lNN ESTATES OW NERS ASSOCIATION;15 DESERT 1NN M OBILE FAM ILY ESTATES OW NERS

A S S O C 1 A T I O N ; D E S E R T IN N V IL L A S16 HOM EOW NERS ASSOCIATION ; DESERT LINN

OW NERS' ASSOCIATION ; DESERT PARK AT GREEN17 VALLEY HOM EOW NERS ASSOCIATIO N INC.;

D E S ER T P l N E V I LL A S H O M EO W N ER S18 ASSOCIATION; DESERT RIDGE LANDSCAPE

M AINTENANCE HOM EOW NERS' ASSOCIATION;19 D ESERT SAN D S V ILLA S H OM EO W NER'

A SSO CIATION ; D ESERT SA ND S VILLA S20 HOM EOW NERS' ASSOCIATION; DESERT SHORES

COM M UNITY ASSOCIATION ; DESERT SHORES21 RACQUET CLUB HOMEOW NERS ASSOCIATION;

DESERT SHQRES VILLA CONDOMINIUM22 GIT-OW NERS'ASSOCIATION INC,;DESERTTRAIL

RECREATION ASSOCIATION, INC.; DESERT23 W ILLO W S LA N D SC APE M AIN TEN A NCE

ASSOCIATION,INC.;DEVONRIDGE HOW OW W RS24 A SSO CIATIO N U IN C.; DIA M ON D CREEK

COM M UNITY ASSOCIATION ; DIAM OND CREEK25 HOM EOW NERS ASSOCIATION; DIAM OND HEAD

VILLAS ASSOCIATION PHASEII; DIAM OND POINT26 HOMEOWNERS ASSOCIATION; DOLCE BY Tl'lELA

KES IJNIT-OW NERS' ASSOCIATION; DORRELL27 SQUARE HOMEOWNERS ASSOCIATION; DOVE

CANYON HOM EOW NERS ASSOCIATION; DUCK28

Page 8 of 56

1 CREEK VILLAGE l & 11 HOM EOW NERS'ASSOCIATION, INC.; DURANGO SPRINGS 11

2 LANDSCAPE M AINTENANCE ASSOCIATION;DURANGO SPRINGS LANDSCAPEM AINTENANCE

3 ASSOCIATION ;DURANGO TRAILS HOM EOW NERSASSOCIATION, INC; EAGLE CREEK COM M UNITY

4 ASSOCIATIO N ; EAG LE CREEK HEIGHTSCOM M UNITY ASSOCIATION; EAGLE CROSSING

5 COM M UNITY ASSOCIATION; EAGLEHEIGHTS ATELKHORN SPRINGS HOM EOW NERS ASSOCIATION.

6 INC.; EAGLE VIEW HOM EOW NERS ASSOCIATION:EAGLECREST TOW N HOM ES HOM EOW NERS'

7 ASSOCIATION ; EARLSTONE HOM EOW NERSA S S O C l A TI O N ; E A S T B R l D G E G A R D E N

8 HOM EOW NERS ASSOCIATION; ECHO BA YCONDOM INIUM S OW NERS ASSOCIATION ; ECHO

9 CA NY O N ASSO CIATIO N ; ECH O G LENNHOM EOW NERS ASSOCIATION; ECHO M ESA

10 HOM EOW NERS ASSOCIATIO ,N INC.; EDGEW OODHOM EOW NERS ASSOCIATION; EKLHORN HIGH

11 NOON HOM EOW NERS ASSOCIATION;ELCAPITANR A N C H L A N D S C A P E M A l N T E N A N C E

12 ASSOCIATION; EL M AR PLAZA OW NERS! ASSOCIATION; EL PARQUE HOMEOWNERS'1

13 ASSOCIATION; EL PASEO COMMUNITYl V ! j ,f-,.a 7 ,, ASSOCIATION; ELAN OW NERS ASSOCIATION:+ < A j I 4 E L D O R A D O F O U R T H H O M E O W N E R ' S!/ 1 l

ASSOCIATION; ELDORADO NEIGHBORHOODC1 Jê )k pJ r 15 FIRSTHOMEOWNERS ASSOCIATION; ELDORADOl j 1 j n xElGldsoRuooo sEcoxo HoslEowpkElts

xw 4 j j : 16 ASSOCIATION; ELDORADO PINES I-ANDSCAPEj y â y i MAINTENANCE ASSOCIATION, INC.; ELDORADO.H j 17 SPRINGS HOMEOWNERS ASSOCIATIONTELDORADOSPRINGSLAO SCAPEMAINTENANCE

18 ASSO CIATION , INC ,; ELDO RAD O THIRDCOM M UNITY ASSOCIATION; ELEVENTH STREET

19 LoFT TOW NHOM E OW NER'S ASSOCIATION;ELKHORN - CIM ARRON ESTATES HOM EOW NERS

20 ASSO CIA TIO N ; ELK H ORN COM M U N ITYASSO CIA TION ; ELK HO RN HIGH N OO N

21 HOM EOW NERS ASSOCIATION ; ELKRIDGEHOM EOW NER'S ASSOCIATION, INC.; ELSINORE

22 HOM EOW NERS ASSOCIATION; EM ERALD CRESTTOW NHOM ES UNIT OW NERS ASSOCIATION;

23 EM ERALD GARDENS OW NERS ASSOCIATION;EM ERALD RIDGE LANDSCAPE M AINTENANCE

24 ASSOCIATION; EM ERSON ESTATES OW NERS'ASSOCIATION ; EN CANTADA COM M UNITY

25 A SS O C I A T IO N ; E N C A N T O E N C O R EHOM EOW NERS' ASSOCIATION; ESPLANADE

26 CO M M UN ITY ASSOCIATION ; ESPLANAD EHOM EOW NER ASSOCIATION; ESTATES AT

27 STA LLIO N M O UN TA IN H OM EO W N ERS'ASSOCIA TION ; ESTATES U NIT-O W NER S'

28

Page 9 of 56

i

1 ASSOCIATION ; ESTRELLA HO M EOW NERS'ASSOCIATION; ESTRELLA 11 HOM EOW NERS

2 ASSOCIATION ; FAIRVIEW PLACE PLA CEHOM EOW NERS ASSOCIATION; FAIRW AY POINTE

3 HOM EOW NERS ASSOCIATION; FAIRW AY VILLASPROPERTY OW NERS ASSOCIATION; FALCON

4 GLENN OW NERS ASSOCIATION; FALCON POINTEASSOCIATION; FALCON RIDGE AT LONE

5 M OUNTAIN HOM EO W NERS ASSO CIATION ;FALCON RIDGE COMMUNITY ASSOCIATIONi

6 FALLS AT IIIDDEN CANYON HOM EOW NERSA S S O CIA TI O N ; FIELD S A T A I-I A N TE

7 HO M EO W N ER S A SSO CIA TIO N ; FIESTACOM M UNITY ASSOCIATION; FIESTA DEL NORTE

8 HO M EO W N ER S ASSO C IA TIO N ; FIESTAM AINTENANCE CORPORATION ; FIESTA PARK

9 HOM EOW NERS'ASSOCIATION; FIFTH AND FARMC O M M U N I T Y A S S O C l A T l O N ; F l O R E

10 HOM EOW NERS ASSOCIATION; FIRETHORNE IHOM EOW NERS ASSOCIATION; FIRST LIGHT AT

11 A RL l N G TO N R A N C 11 11 O M E O W N E R SASSOCIATION; FIRST LIGHT AT OLD VEGAS

12 RANCH HOM EOW NERS ASSOCIATION; FLAM INGO! HEIGHTS HOMEOWNERS' ASSOCIATION;1 ! q a )y 13 FLAMINGO TRAII-S NO. 7 LANDSCAPE= 6 'N )C MAINTENANCE ASSOCIATION INC.; FOOTHILLSt )t11 t

14 l-loMiïowxElts AssoclA-rlöN; FOOTHILLS@1 j I l : R A N C H H O M E O W N E R S A S S O C I A T l O N ;

= > 15 FOOTHILLS RANCH SOUTH HOMEOWNERS$ 1 tt1 l Assoclv lox; IJOREST HILLS HoMsowxpxsi 1 l j 16 AssoclA-rlox; yoR'r APACHE SQIJAREl

1 l 1 y z HoNfEowxERs ASSOCIATION;FOURTURNBERRY.j =j 17 PLACE CONDOYINIUM ASSOCIATION; FOUR

W INDS OW NERS' ASSOCIATION; FOX RIDGE18 P R O P E R T Y O W N E R S A S S O C l A T l O N ;

FOXBOROUGH HOM EOW NERS ASSOCIATION;19 FO XFIELD CO M M UN ITY A SSOC IATIO N ;

FRANCISCO VILLAS COM M UNITY ASSOCIATION;20 FRENCH OAKS HOM EOW NERS ASSOCIATIONl

l N C u; F U L T O N P A R K U N l T O W N E R S21 A SSO CIATIO N ; FU SIO N H O M EO W NERS

ASSOCIATION; GALENA POINT ASSOCIATION;22 G A L 1- E R I A V I L 1- A S C O N D O M I N I U M S

ASSOCIATION; GARDEN PARK TOW NHOUSE23 ASSOCIATION;GARDEN W RRACEHOG OW X RS

ASSOCIATION; GARDENS AT SPANISH TRAIL24 ASSOCIATION;GEM STONEDRIVE HOX OW NERS

ASSOCIATIO NS IN SC ; GENEVIEVE COURT25 H O M EO W N E R S A S S O C I A TI O N u I N C . ;

GEORGETOW N W EST TOW NHOUSE OW NER'S26 ASSOCIATION; GEYSER PEAK HOM EOW NERS

ASSOCIATION ; GIAVANNA HOM EOW NERS27 ASSOCIATION; GLENEAGLES HOM EOW NERS

A S S O C I A TI O N ; G L E N V I E W L A N D IN G

28 IPage 10 of 56 :

II


1 TOW NHOM ES ASSOCIATION; GLENVIEW W ESTTOW NHOM ES ASSOCIATION; GLENW OOD PARK

2 A S S O C I A T I O N ; G L E N W O O D V l L L A G ECO M M U NITY A SSO CIATION ; GOLD RU SH

3 LANDSCAPE M AINTENANCEASSOCIATION.INC.;GRANADA HILLS HOM EOW NERS ASSOCIATIO ,N

4 INC.; GRANADA RIDGE LIM ITED HOM EOW NERSASSOCIATION ; GRAND CANYON VILLAGE

5 HOM EOW NERS ASSOCIATION; GRAND ESTATESSTREET AND LAND SCAPE M AINTENANCE

6 CORPORATION ; GRAND TETON VILLAGECO M M UNITY ASSO CIATION ; G RAND VIEW

7 HOM EOW NERS ASSOCIATION; GRANITE CRESTHOM EOW NERS ASSOCIATION; GRANITE ITILLS

8 OW NERS ASSOCIATION,INC,; GRAPEVINEVILLASHOM EOW NERS' ASSOCIATION; GREEN VALLEY

9 COUNTRY CLUB ESTATES HOM EOW NERSASSOCIATION; GREEN VALLEY NEIGHBORHOOD

10 HOM EOW NERS ASSOCIATION; GREEN VALLEYRANCH COM M UNITY ASSOCIATIO ,N INC.; GREEN

1 1 VALLEY SOUTH OW NERS ASSOCIATION NO. 1;GREEN VALLEY V ILLAGE COM M U NITY

12 A SSO C IATIO N ; G REEN W A Y CRO SSIN G! HOMEOWNERS ASSOCIATION; GREENWAY1

13 V l LL A G E C O M M U N l T Y A S S O C 1 A T l O N ;lL!jil q ç u , . GREENWOOD BY RICHMOND HOMEOWNERSé q j a

x j 14 ASSOCIATION; GREENWOOD HOMEOWNERS'(j j .7 @' g ASSOCIATION, INC.; HACIENDA IIOMEOWNERS'r q

'

se I 5 ASSOCIATION;HACIEXANORTHHOXOWXRS'l j 1 j j AssocIATlON; HAMPTON MAINTENANCEAm cc< q' j u; 16 CORPORATION; HARMONY HOMEOWNERS! '> â s? ; ASSOCIATION ; HARTRIDGE HOM EOW NERS

<! j 17 ASSOCIATION; HAWK RIDGE CONDOMINIUMSH O M E O W N E R S ' A S S O C l A T I O N ;

18 I'IEARTHSTONE/BROOKSTONE HOM EOW NERSA S S O C I A T I O N ; H E A R T L A N D H 1 L L S

19 HOM EOW NERS ASSOCIATION; HEARTLANDHOM EOW NERS ASSOCIATION ; HEATHERRIDGE

20 HOM EOW NERS ASSOCIATION; HEM ET DRIVEHOM EOW NERS ASSOCIATIO ,N INC.; HERITAGE

21 DEL REY OW NERS' ASSOCIATION; HERITAGEESTATES COM M UNITY ASSOCIATION; HERITAGE

22 ESTA TES HO M EOW N ERS ASSO CIA TIO N ;H ERITA G E H IG H LA N D S H O M EO W N ER S

23 ASSOCIATION; HERITAGE SQUARE SOUTHHOM EOW NERS' ASSOCIATIO NN INC.; HERM OSA

24 VISTAS HOM EOW NERS ASSOCIATION; HIDDENCANYON HOM EOW NERS ASSOCIATION; HIDDEN

25 CANYON OW NERS ASSOCIATION;HIDDEN CREST11 HOM EOW NERS ASSOCIATION; HIDDEN CREST

26 IV HOM EOW NERS ASSOCIATION; HIDDEN CRESTV HOM EOW NERS ASSOCIATION ; H IDD EN

27 CRESTT ARKHURSTCOM M UM TY ASSOCIATION ;H IG H N O O N AT A RLIN G TO N RAN C H

28

Page 11 of 56

c. (X;a 6NE.. = r- =F- - qo =< = .-. rn.- /1 n.. w o rx .m fx; ' r '.- u.t x '>. . < cn :rQ '-' Q X CCZE < .-. =X ;< cu ,.-.ra > 7* O 1;z1 tZ7 :z:< z > >> w we. < ' uu

w: a L0 x =.a < < =qo C)- = o .- I:n < - E =- :z9 > ua Aa . .0 = QJ< < d' = <:SE ' ;- u.e- .-1 .d x

l HOM EOW NERS ASSOCIATION; HIGH NOON ATO LD V EG A S RA N C H H O M EO W N E R S

2 ASSOCIATION ; HIGH NOON HOM EOW NERSASSO CIATION; HIGHGATE CONDOM INIUM

3 PROPERTY OW NERS ASSOCIATION; HIGHLANDHILLS ESTATES 11 LANDSCAPE M AINTENANCE

4 ASSOCIATION; HIGHLAND HILLS HOM EOW NERSASSOCIATION ! INCA; HIGHLAND SPRINGS

5 HOM EOW NERS' ASSOCIATION ; HIGHLANDVISTAS COMMUNITYOWNERS ASSOCIATESSJNC.j6 H l G H L A N D S G R O V E H O M E O W N

1ï R SA SSOC IATION ; HILLCREST CO M M UNITY

7 ASSOCIATION; HILLCREST HOM EO W NERSASSOCIATION; HILLCREST SOUTH COM M UNITY

8 ASSOCIATION; HILLPOINTEPARK M AINTENANCEDISTRICT ; HILLSBORO HEIGHTS HOM E OW NERS

9 ASSOCIATIONw INC.; HILLSIDE HOM EOW NERSA SSO CIATIO N ; HILLSTO NE ESTA TES 11

10 H OM EOW NERS A SSOCIATION ; H O LIDA Y

TOWNHOUSE OWNERS' ASSOCIATION, INC.;11 HOLLOW DE ORO HOMEOWNERS' ASSOCIATION;

HOLLYW OOD HIGHLANDS EAST LANDSCAPE12 M AINTENANCEASSOCIATION, IN yC ; HOLLYW OOD

R AN C H H O M EO W NERS ASSO CIA TIO N ;13 LIOM ETOW N ENCORE OW NERS ASSOCIATIO JN

INC.; HOM ETOW N W EST 11 HOM EOW NERS14 ASSOCIATION ; HO RIZON VIEW OW NER'S

ASSOCIATION; HORIZON HEIGHTS COM M UNITY15 ASSOCIATION; HORIZON HILLS HOM EOW NERS

ASSOCIATION; IIORIZON PARK HOM EOW NERS16 ASSOCIATION; HORIZON RIDGE HOM EOW NERS

ASSOCIATION, INCU; HORIZON VIEW OW NER'S17 ASSOCIATION; HORIZONS AT SEVEN HILLSHOMEOWNERj ASSOCIATION; HORIZONS

l 8 HOM EOW NERS' ASSOCIATION ; HUNTERS RIDGEPROPERTY OW NERS ASSOCIATION; HUNTINGTON

1 9 H O M E O W N E R S A S S O C l A T 1 O AN l N C . ;IM AGES-FIESTA ! M ASTER ASSOCIATIO N ;

20 IM AGINATION U STLANDSCAPEM AINTENANCEASSOCIATION; INDEPENDENCE HOM EOW NERS'

2 1 ASSOCIATION; INDEPENDENCEII HOM EOW NERS'A SSO CIATIO N ; IN DIG O H O M EO W N ER S'

22 ASSOCIATION; INDIGO RUN HOM EOW NERSA SSOCIATION ; INSPIRAD A COM M U NITY

23 ASSOCIATION; INSPIRATION AT GREEN VALLEYR AN C H I'IO M EO W NER S A S S O CIATIO N ;

24 INTERLIJDE AT SOUTHERN HIGHLANDS OW NERSASSOCIATION; IRON M OUNTAIN RANCH HOM E

25 OW NERS ASSOCIATION;IRON M O UNTAIN RANCHLANDSCAPEMAINTENANCE ASSOCIATIONSJNCU;

26 ISLA AT SOUTH SHORES HOM EOW NERSASSOCIATION; ISLAND PARK HOM EOW NERS

27 ASSOCIATION; JASMINE HOYEOWNERSA S S O C I A T l O N ; J O N A T H A N ' S P L A C E

28

Page 12 of 56

l HOM EOW NERS' ASSOCIATION; KENSINGTONOW NERS ASSOCIATIO ,N INC.; LA CUESTA

2 HOM EOW NERS ASSOCIATIO ,N INC.; LA M ADREHOM EOW NERS ASSOCIATION; LA M ADRE

3 SQUARE HOM EOW NERS ASSOCIATION; LAM ANCHA ESTATES EDITION HOM EOW NERS

4 ASSOCIATIO ,N INC,; LA M ANCIIA HOM EOW NERSA S S O C 1 A T I O ,N I N C . ; L A M A N C l I A 1 l

5 HOM EOW NERS ASSOCIATIO ,N INC.; LA M ANCHASUM M ERLIN PROPERTY OW NERS ASSOCIATION;

6 LA PALOM A HOM EOW NERS ASSOCIATION; l-APOSADA CONDOM INIUM PROPERTY OW NERS

7 ASSOCIATION; LA QUINTA HOM EOW NERSASSOCIATION; LA SIENA ASSOCIATION; I.A

8 TESORO HOM EOW NERS ASSOCIATION; LAVENTINA HOG OW W RS'ASSOCIATION; LADERA

9 HOM EOW NERS ASSOCIATION; LADERA PARKHOM EOW NER'S ASSOCIATION;LAGUNA DELREY

10 HOM EOW NERS ASSOCIATION; LAGIJNA PALM SHOM EOW NERS ASSOCIATION; LAGUNA PARK 11

l 1 LANDSCAPE M AINTENANCEASSOCIATION, INC.;LAKE LAS VEGAS M ASTER ASSOCIATION ; LAKE

12 LAS VEGAS SO UTH SHORE RESIDENTIAL! COMMUNITY ASSOCIATION;LAKE MEAD COURT

a! p u: : s 13 HOM EOW NERS ASSOCIATION; I-AKE VALLEY.7- s= x/ 7* $1 ESTATES ASSOCIATION; LAKES PACIFICoD j 1 xA j 14 TOWNHOMES ASSOCIATION; LAKEVIEWa= t I f? ;T OWNERS' ASSOCIATION; LAMPLIGHT COTTAGESL 3 jio 15 @ CORONADO RANCH HOMEOWNERS'r qJ t

( j ASSOCIATION; LAMPLIGHT COTTAGES @j 4 ( j 1 16 SANTOLI HOMEOWNERS' ASSOCIATION;1 ! <= =s C LAMPLIGHT COU AGES AT BUFFALO AND<t j 17 WINDMILL HOMEOWNERS' ASSOCIATION;

LAM PLIGHT GARDENS @ CORONADO RANCH18 HOM EOW NERS ASSO CIATION; I.AM PLIGIIT

GARDENS AT SILVERADO RANCH HOM EOW NERS'19 ASSOCIATION; LAMPLIGHT SQUARE @

C O R O N A D O R A N C H H O M E O W N E R S '20 ASSOCIATION; LAM PLIGHT SQUARE @

S I L V E R A D O R A N C H H O M E O W N E R S '21 ASSOCIATION; LAMPLIGHT jQUARE AT GREENVALLEY HO

M EOW NERS' ASSOC IATION ;22 LAM PLIGHT VILLAGE @ CENTENNIAL SPRINGS

HOM EOW NERS' ASSOCIATION; LAM PLIGHT23 VILLAGEAT SILVERADO RANCH HOMEOWNERj'

ASSOCIATION ; LAREDO VISTA HOM EOW NER'S24 ASSOCIATION ; LAS BRISAS HOM EOW NERS

ASSOCIATION; LAS CASITAS COM M UNITY25 ASSOCIATION; LAS CASITAS TOW NHOUSE

OWNERS ASSQCIATION. ING; LAS HADAS26 HOMEOWNERS' ASSQCIATION; LAS VEGAS CAY

CLIJB HOMEOWNERS' ASSOCIATION;LAS YEGAS27 COUNTRY CLIJB HOMES HOMEOWNERS'; LAS

VEGAS INTERNATIONAL COUNTRY CLUB1 28

Page 13 of 56

1i

1 ESTATES HOME OWNERS ASSOCIATIONwINC.iLATIG O CON DO M IN IU M UN IT-O W NERS

2 ASSO CIATION , INC .; LA UREL C ANY ONHOM EOW NERS ASSOCIATION; LAUREL HILLS

3 HOM EOW NERS' ASSOCIATION ; LAURELW OODLANDSCAPEM AINTENANCE ASSOCIATIO ,N INC.;

4 LEGACY COO OM INIUM ASSOCIATION;LEGACY . -.COLTRTYARD CONDOM INIUM ASSOCIATIO O

.N INC.;

5 LEGA CY V ILLAGE PROPERTY OW N ERSASSOCIATION; LEGACY W EST CONDOM INIUM

6 ASSOCIATIO ,N INC.; LEGENDS M AINTENANCECO RPOR ATION ; LEX IN GTO N/CO N CORD E

7 COM M UNITY ASSOCIATION; LIBERTY ATHUNTINGTON HOM EOW NERS ASSOCIATION ;

8 LlB ERT Y AT M A YFIELD CO M M UN ITYASSO CIATIO N ; LIBERTY AT PARAD ISE

9 COM M UNITY ASSOCIATION; LIBERTY ATSILVERADO RANCH COM M UNITY ASSOCIATION;

10 LIBERTY AT THE ORCHARDS COM M UNITYASSOCIATION; LIBERTY AT TIERRA LINDA

l 1 COM M UNITY ASSOCIATION; LIBERTY AT W ARMSPRINGS COM M UNITY ASSOCIATION; LINKVIEW

12 DRIVE HOM EOW NERS ASSOCIATIO .N INC.; LOG! CABIN ESTATES HOMEOWNERS ASSOCIATION;

a! $ qi : p 1 3 L O G C A B l N M A N O R l 1 O M E O W N E R St.l * ;R G' 'R A S S O C l AT 10 N ; L O G C A B I N M A S TER:: t 7t ' ' . -é k a x j 14 HOMEOWNERS ASSOCIATION; LONEMOUNIAINJ

UZ .7 =& jj HEIGHTS COMM UNITY ASSOCIATION; LONE

l wZ .t zio l 5 M O U N T A 1 N Q U A R T E T T E C O M M U N 1 T Yl j ï é xn AssoclAvriox ; LONE M O UNTAIN SPRINGSx* c1 q 1 j 16 LANDSCAPEMAINTENANCEASSOCIATION, INC.;j j

â Et ; LONEMOUNTAINTERRACEASSOCIATION; LONEkt j 17 MOUNTAIN VISTAS COMMUNITY ASSOCIATION;

LONE M OUNTAIN VISTA'S V HOM EOW NERS18 ASSO CIATION ; LONE M OU NTAIN W EST

HOM EOW NERS ASSOCIATION; LONE M OUNTAIN19 W EST UNIT Vl I'IOM EOW NERS ASSOCIATION;

I-ORETTO BAY M ASTER ASSOCIATION;LORETTO20 BAY-BELLA LAGO HOM EOW NERS ASSOCIATION;

t.OS PRADOS COM M UNITY ASSOCIATION, INC.;21 LOS VERDES COM M UNITY ASSOCIATION; LP

HOM EOW NERS ASSOCIATION; LUNA D1 LUSSO22 HOM EOW NERS' ASSOCIATIO ,N INC.; LYNBROOK

M ASTER ASSOCIATION; M ADEIRA CANYON23 HOM EOW NERS' ASSOCIATION ; M AD ISON

ESTA TES HO M EOW N ERS A SSOCIATION ;24 M ADISON GROVE HOM EOW NERS ASSOCIATION;

M AGNOLIA AT SUM M ERLIN HOM EOW NERS25 ASSOCIATION; M AJESTIC I'IILLS COM M UNITY

ASSOCIATION; M ANCHESTER AT HUNTINGTON26 HOM EOW NERS ASSOCIATION; M ANCHESTER AT

W ESTLA KE A SSO CIA TION ; M AN D O LIN27 HOM EOW NERS ASSOCIATION ; M ANHATTAN

HOMEOWNERS' ASSOCIATION; MANOR ATI 28

Page 14 of 56


27. x>ë =r- s >. cp= r7 '-' = Q

;L' tJ' ' r.c '..

.< rc x(Zh cz ro.X A < X C*

Lu .-.r > X O 1 ''W%Z .u ca rwî< z: r. => w r-e < . w.< rö LO = -: < < R W- m 'J C Qf.

< = = XA < cu r.e- 17 '* ra =. ' * ' =<: SY < Q <Q = % œ

f xDX

1 ALIA NTE HO M EOW NERS ASSOCIATION ;M AN TO V A CO M M UN ITY ASSO CIATION ;

2 M ANZANITA HOM EOW NERS' ASSOCIATION;M APLEW OOD HOM EOW NERS ASSOCIATION;

3 M A PLEW O O D SPR IN G S HO M EO W N ERSASSOCIATION; MAR-A-LAGO HOMEOWNEISS

4 ASSOCIATION; M ARAVILLA AT M OUNTAIN'SEDGEHOM EOW NERS ASSOCIATION; M ARAVILLA

5 IIOM EOW NERS ASSOCIATION; M ARBLE CANYONHOM EOW N ERS' ASSOCIATION ; M ARIPOSA

6 COM M LTNITY ASSOCIATIO ,N INC.; M ARIPOSAPLACEHOMEOW NERS ASSOCIATION; M ARQUESA

7 HOM EOW NERS ASSOCIATION ; M A RYLANDHEIGHTS H OM EOW N ERS ASSO CIA TIO N ;

8 M A R Y LA N D PE B B LE A T S l L V E R A D OHO M EOW NERS ASSOCIATION ; M A YFIELD

9 ESTA TES LA N D SC APE M A IN TEN A N CEASSOCIATIO ,N IN ,C ; M EADOW CREEK EAST

10 LANDSCAPE M AINTENANCEASSOCIATION, INC.;M EADOW RIDGE 1 LANDSCAPE M AINTENANCE

l 1 ASSOCIATION; M EADOW RIDGEIIHOM EOW NERSASSOCIATION; M EADOW BROOK HOM EOW NERS

12 ASSOCIATION; M EADOW S ATELKHORN SPRINGSHOM EOW NERS ASSOCIATIO ,N IN .C ; M EADOW S

I 3 CONDOM INIUM UNIT OW NERS ASSOCIATION ;M ELROSE PARK HOM EOW NERS ASSOCIATION;

14 M ERIDIAN HILLS ASSOCIATION; M ERIDIANPRIVA TE RESID EN CES IIO M EO W N ER S

15 ASSOCIATION ; M ESA A ND V A LLA ATM O U N T A l N S E D G E :1 O M E O W N E R S

16 ASSOCIATIONS; MES; HILLS AT HIGI-ILANDVISTAS OWNERS AS:OCIATIO ,N IN SC ; M ESA

17 VERD E B Y RIC HM O ND H O M EO W N ERSASSOCIATION; M ESA VERDE HOM EOW NERS

18 ASSOCIATION; MESQUITE VISTAS COMMUNITYASSO CIATIO N ; M ILLPOND TO W N HO USE

19 HOM EOW NERS ASSOCIATION; M IRA VISTACOM M UNITY HOM EOW NERS ASSOCIATION;M IRA

20 VISTA HOM EOW NERS ASSOCIATION ; M ISSIONDIIL REY HOM EOW NERS ASSOCIATION;M ISSION

21 IIILLS HOM EOW NERS ASSOCIATION; M ISSIONM ANOR HOM EOW NERS ASSOCIATION; M ISSION

22 POINTE HOM EOW NERS ASSOCIATION; M ISSIONRIDGE HOM EOW NERS ASSOCIATION; M ODENA

23 HO M EOW N ERS ASSO CIATIO N ; M O N ACOLANDSCAPEM AINTENANCE ASSOCIATIO ,N INC.;

24 M O N A R C H EST AT E S H O M EO W N E R SA S S O C 1 A T l O N ; M O N T A G N E M A R R O N

25 COM M U NITY A SSO CIATION ; M ON TA IRECOM M UNITY A SSOCIA TIO N ; M ON TA N A

26 CONDOM INIUM S HOM EOW NERS ASSOCIATION;M O N T A R A E S T A T E S H O M E O W N E R S

27 ASSOCIATION, INC.; M ONTARA HOM EOW NERSASSOCIATION; M ONTARA III HOM EOW NERS

28

Page 1 5 of 56

l ASSOCIATION; M ONTE BELLO HOM EOW NERSASSOCIATIO ,N INC.;M ONTECITO AT M OUNTAIN'S

2 EDGEHOM EOW NERS ASSOCIATION;M ONTECITOESTATES HOM EO W NERS ASSO CIA TION ;

3 M ONTECITO HOM EOW NERS ASSOCIATION;M O N TEC ITO V ILLA G E A SSO CIAT IO N ;

4 M ONTELAGO VILLAGE ASSOCIATIO ,N INC.;M ONTEREY PARK CONDOM INIUM ASSOCIATION;

5 MONTEREY SQUARE @ MOUNTAIN'S EDGEHOM EOW NERS ASSOCIATION; M ONTEROSSO

6 PARK PASEO HOM EOW NERS ASSOCIATION;M O NTERO SSO PREM IER IIO M EO W NERS

7 ASSOCIATION ; M ONTESOL HOM EOW NERSASSOCIATION; M ONUM ENT ATLONEM OUNTAIN

8 HOM EOW NERS ASSOCIATION, INC.; M ONUM ENTP O I N T E O W N E R S ' A S S O C l A T l O N ;

9 M O O N D A N C E / S U N C H A S E C O M M U N I T YA SSO CIATIO N ; M O O N LIG HT TERR A CE

10 CONDOM INIUM S ASSOCIATION;M ORADA RIDGEHOM EOW NERS ASSOCIATION ; M ORGYN RIDGE

l I HOM EOW NERS ASSOCIATION; M ORNING STARPROPERTY OW NERS ASSOCIATION; M OUNTAIN

12 GATE HOM EOW NERS' ASSOCIATION; M OUNTAIN

! POINTE TWO COMMUNITY ASSOCIATION;) p : y 5 1 3 M O U N T A l N S H A D O W S C O M M U N I T Y'kL r)= xi 7 it A S S O C I A T l O N ; M O U N T A I N T E R R A C E= 1 t t 14 HOMEOWNERS ASSOCIATION; MOUNTAIN VIEW@!

(j t 1 f'g ESTATES HOMEOWNERS' ASSOCIATION;7 r '-z &x 15 MOUNTAIN VIEW HOMEOWNERS ASSOCIATIO ,N1 j j- j x2 IN .c ; M OIJNTAIN vls'rA CONDOM INIUM

m 4 $ ( ! 16 HOMEOWNERSASSOCIATION; MOUNTAIN'S EDGE= D 21 MASTER ASSOCIATION; MOUNTAINSIDE ATl rj j s.

kt ;E 17 GREEN VALLEY HOM EOW NERS ASSOCIATION;M OUNTAINSIDE HOM EOW NERS ASSOCIATION;

18 M OUNTAINSIDE UNIT OW NERS ASSOCIATION;M YSTIC VALLEY ASSOCIATION; NAPLES

19 COM M UNITY HOM EOW NERS ASSOCIATION;NAPLES HONIEOW NERS ASSOCIATION; NEVADA

20 R A N CH FIR ST LIGH T H O M EO W N ERSASSOCIATION; NEVADA RANCH HIGH NOON

zl HOM EOW NERS ASSOCIATION; NEVADA RANCHM ASTER HOM EOW NERS ASSOCIATION; NEVADA

22 RANCH TW ILIGHTHOG OW NERS ASSOCIATION;NEVADA TRAILS COM M UNITY ASSOCIATION;

23 NEVADA TRAILS 11 COM M UNITY ASSOCIATION;NEW BURY H OM EOW NERS ASSOCIATIO N; I

24 NEWPORT COVE CONDOMINIUM UNIT-OWNERS' IASSOCIATION, INC.; NEW PORT COVEIII OW NERS i

25 ASSOCIATION; NEWPORTTOWNHOM ES OWNERS 1ASSOCIATION; NORTH MEADOW SHOM EOWNERS I

26 ASSOCIATION; NORTH MEADOW S WEST !HOMEOWNERS ASSOCIYTION; NORTHBROOK

27 RANCH HOMEOWNERS' ASSOCIATION INC.; !VINGSNORTHERN LIGHTS AT ELKHORN S

28

Page 16 of 56


1 HOM EOW NERS ASSOCIATION, INC,; NORTH ERNTERRACE H OM EO W N ERS A SSOCIATION ;

2 NORTHGATE HOM EOW NERS ASSOCIATION;NORTHRIDGE ESTATES PROPERTY OW NERS

3 ASSOCIATION; NORTHSHORE REFLECTION SHOM EOW NERS ASSOCIATION; NORTHSHORES

4 OW NERS ASSOCIATION; NORTHSTAR ESTATESH OM EOW N ER S' A SSO CIATION ; N O VELS

5 HOM EOW NERS' ASSOCIATION ; NUEVO VISTAHOM EOW NERS ASSOCIATIO ,N INC.; OAK FOREST

6 VILLAS HOM EOW NERS ASSOCIATION, INC.; OAKPARK HOM EOW NERS ASSOCIATION; OCOTILLO

7 POINTE PROPERTY OW NERS ASSOCIATION ; OLDVEGAS M ANOR & ESTATES HOM EOW NERS

8 ASSOCIATION;OLV PIC VILLAGEHOM EOW NERSASSOCIATION ; OPLJLENCE CONDOM INIUM

9 ASSOCIATION ; PACIFIC DEERFIELD OW NERS'ASSOCIATION; PACIFIC HARBORS-STONEGATE

10 PROPERTY OW NERS ASSOCIATION; PACIFICLEGENDS EAST CONDOMINIUM ASSOCIATESj

1 l PACIFIC LEGENDS GREEN VALLEY OW NERSASSOCIATION ; PACIFIC LEGENDS W EST

12 CONDOM INIUM ASSOCIATION; PACIFIC SUNSET

l VILLAGEHOMEOWNERS ASSOCIATION; PAINTED1 j z: , s 13 DESERT COM M UNITY ASSOCIATION; PALACIOk- -m x/ uf- 4 COMMUNITY ASSOCIATION ; PALATINE HILLij )' 1 xm #( l 4 C O M M U N 1 T Y A S S O C l A T 1 O N ; P A L E R M Oam ! I / V HOMEOWNERS ASSOCIATION; PALISADES POINT' R

Y l 5 CONDOMINIUMS; PALISADES POINT PROPERTY(L1 .6 p I j owpkfllts ASSOCIATION; PALM CANYON AT

t$ :J tl y r 16 PAINTED DESERT HOMEOWNERS ASSOCIATION;A = <;u PALM CANYON HOMEOWNERS' ASSOCIATION;j j = +

'< j 17 PALM CREEK COMMUNITY ASSOCIATION; PALMGARDENS HOM EOW NERS ASSOCIATIO ,N INC.;

18 PALM HILLS HOM EOW NERS ASSOCIATIO ,N INC.; EPALM TERRACE HOM EOW NERS' ASSOCIATION;

19 PALM VALLEY HOM EOW NER'S ASSOCIATION;PALM ILLA HOM EOW NER'S ASSOCIATION ; PALO

20 VERDE RANCH HOM EOW NERS' ASSOCIATION ;PALOM A IIOM EOW NERS; PANARAM A TOW ERS

21 CONDOM INIUM UNIT OW NERS' ASSOCIATIO ,NINC.; PARADISE CANYON RESORT OW NERS

22 ASSOCIATIO ,N INC. ; PARADISE COLONYHOM EOW NERS ASSOCIATION; PARADISE COURT

23 HOM EOW NERS ASSOCIATION; PARADISE HILLSLANDSCAPEM AINTENANCE ASSOCIAR'IO ,N INC.;

24 PA RA D ISE ISL AN D IV H O M EO W N ERSA S S O C I A T1 O N ; P A R A D l S E M E A D O W S

25 HO M EO W NERS ASSOCIATION ; PARADISEM EADOW S 11 COM M UNITY ASSOCIATION ;

26 PARADISE PLACE HOM EOW NERS ASSOCIATION;PARADISE POINTE LANDSCAPE M AINTENANCE

27 ASSOCIATION ; PARAD ISE SPRIN GS ONEHOM EOW NERS ASSOCIATION; PARADISEVALLEY

28

Page 17 of 56

Pa .rQ :2m' r:m .wA.u; UJo =x Z+

. <$: <.d a:J Z*'

<V1a .'C >.wQ -.M: con

c nO rmm '> cx 1'cn X

&1 ''>c 11> ru wm mx Xc =>

R r=. fu=r1 <

1 TOWNHOUSE HOMEOWNER'S ASSOCIATIONïPARK l AT SLTMMERLINGATE HOMEOWNERS2 ASSOCIATION; PARK AVENUE HOM EOW NERS'A SSOC IATIO N ; PA RK B ON AN ZA EA ST

3 TOW NHOUSEOW NERS ASSOCIATIONrINC.; PARKOASIS OW NER'S ASSOCIATION ; PARK VIEW

4 HOM EOW NERS ASSOCIATION; PARK VILLAGEHOM EOW NERS ASSOCIATION, INC.; PARKSIDE

5 COM M UNITY ASSOCIATION ; PARKW AY VILLASOW NERS ASSOCIATION;PASCO VERDETW ILIGHT

6 HOM EOW NERS ASSOCIATION ; PASEL DEL REYHOM EOW NERS ASSOCIATION ; PASEO AT

7 CORONADO RANCH LANDSCAPEM AINTENANCECORPORATION; PASEO l1l ATCORONADO RANCH

8 LANDSCAPE M AINTENANCE CORPORATION, ANEVADA NONPROFIT CORPORATION; PASEO

9 RIDGE HOM EOW NERS ASSOCIATION; PASEOVERDE TW ILIGHT HOM EOW NERS ASSOCIATION;

10 PAVONA ESTATES ASSOCIATION; PEARL COVE IIHOM EOW NERS ASSOCIATION; PEARL COVE l1l

l l H O M E O W N E R S A S S O C I AT I O N ; P E A R LHOM EOW NERS ASSOCIATION;PEBBLE CANYON

12 HOM EOW NERS ASSOCIATION; PEBBLE CREEKHOM EOW NERS' ASSOCIATIONU INC. ; PEBBLE

13 CREEK VILLAGE HOM EOW NERS' ASSOCIATION;PEB BLE C REIEK W EST HO M EOW NERS

14 A SS O C IA T IO N ; PEB B LE C RO SSIN G lHOMEOWNERS ASSOCIAYION; PEBBLECREEK

15 COM M UNITY ASSOCIATION; PECCOLE RANCHCOM M UNITY ASSOCIATION ; PECOS CREEK

16 HOM EOW NERS ASSOCIATION; PECOS ESTATESIIOM EOW NERS ASSOCIATION ; PECOS.PARK

17 SUNFLOW ER HOM EOW NERS ASSOCIATION;PELICAN CREEK OW NERS ASSOCIATION;

l 8 PEPPERTREE HOM EOW NERS ASSOCIATION;PICKET JwANE ASSOCIATION; PIMA VILLAGE

19 OW NERS' ASSOCIATION; PINE COVELANDSCAPEM AINTENANCE ASSOCIATIO

. .LN INC.; PINE GROVE

20 CONDOM INIUM ASSOCIATION; PINE M EADOW SCO M M UNITY ASSO CIATION ; PINECREST

21 HOM EOW N ERS ASSOCIATION ; PINECRESTHOM EOW NERS ASSOCIATION II; PINEHURST

22 CONDOMINIUM UNIT OWNERS' ASSOCIATIO YIN OC ; PLATINUM CONDOM INIUM DEVELOPM ENT

23 LLC; PLEA SANT H ILLS H OM EOW NER SASSOCIATION; PLUM CREEK HOM EOW NERS

24 ASSOCIATION; POM ONA DRIVE HOM EOW NERSASSOCIATION INC; PONDEROSA HOM EOW NERS

25 A S SO CIA TIO N ; PO RTICO CO M M UN ITYASSOCIATION; PORTRAITS AT PAINTED DESERT

26 HOM EO W NERS ASSOCIATIO N; POSITA NOHOM EOW NERS ASSOCIATION; PRAIRIE ROSE

27 HOM EOW NERS ASSOCIATION ; PREM IERE ATGREEN VALLEY RANCH H OM EOW NERS

28

Page 18 of 56

l ASSOCIATIO ,N INC.; PROM INENCE AT ALIANTEHOM EOW N ERS ASSOCIATION; PROVENCE

2 M AINTENANCE ASSOCIATION; PROVIDENCE ATW ESTLAU ASSOCIATION ;PROVIDENCEM ASTER

3 HOM EOW NERS ASSOCIATION; HOM EOW NERS'ASSOCIATION; PYRENEES AT M OUNTAINS EDGE

4 HOMEOWNERS ASSOCIATION; QUARTERHORSEIIHOMEOWNERS ASSOCIATION; QUEENSRIDGE

5 OW NERS ASSOCIATION; RAINBOW CREEK ATV E N T A N A C A N Y O N H O M E O W N E R S .

6 ASSO CIATIO N , INC .; RAINBOW V ILI-ASCONDOM INIUM ASSOCIATION; RAINTREE W EST

7 HOM EOW NERS ASSOCIATION; RANCH HOUSEESTATES OW NERS' ASSOCIATION; RANCHO

8 ARRO YO GRANDEHOM EOW NERS ASSOCIATION;RANCHO GALLERIA ASSOCIATION; RANCIIO

9 L A K E C O N D O M IN I U M U N I T - O W N ER S 'ASSOCIATIO ,N IN .C ) RANCHO LAS BRISAS

10 M ASTER HOM EOW NERS ASSOCIATJON; RANCHOLAS PALM AS NEIGHBORHOOD HOM EOW NERS

l 1 ASSOCIATION ; RANCHO I.AS VEGAS ESTATESASSOCIATION, INC.; RANCHO SAN JU AN

1 2 HOM EOW NERS ASSOCIATION ; RANCHO SANTA! FEHOMEOWNERS ASSOCIATION; RANCHO VIEJO

u! j L: a yy 1 3 HOM EOW NERS ASSOCIATION; RED BLUFFS ATk v)- k u'M vkp THE CROSSINGS OWNERS ASSOCIATIO ,N INC.;i j ( xa I 14 REDROCK PARK IIOMEOWNERS' ASSOCJATION;az 5

,.7 s/ V REGENCY AT THE LAKES HOMEOWNERS

:' 1 ,2' .''D !. 15 ASSOCIATION;REGENCYTOWERS ASSOCIATION,=< (- ! r ) INC.; REGENCYVILLAGEOWNER'S ASSOCIATIO ,N'; v:< ;! j r 16 INC.; RENAISSANCE AT TIERRA DE LAS PALMASl k

â g <v. HOM EOW NERS ASSOCIATION; RENAISSANCER j 17 PROPERTY OWNERS ASSOCIATION; RESORT

VILLAS OW NERS ASSOCIATION; RHODES RANCII18 ASSOCIATIO ,N INC.; RIDGECOLJRTHOM EOW NERS

ASSOCIATION; RIDGEM OUNT ASSOCIATION ;19 RIDGEVIEW HOM EOW NERS' ASSOCIATION ;

RIDGEW OOD HOM EOW NERS ASSOCIATION; R1O20 ROBLES VILLAS HOM EOW NERS ASSOCIATION ;

RlO VISTA HOM EOW NERS ASSOCIATION ;21 RIVA-M ONET HOM EOW NERS ASSOCIATION ;

RIVENDELLHOM EOW NERS ASSOCIATION;RIVERI 22 LANDING I'IOMEOW NERS ASSOCIATION;I RIVERSIDE TOWNHOMES SUBDIVISIONi 23 HOMEOW NERS ASSOCIATION; RIVERWALKj HOMEOW NERS ASSOCIATION; RIVERWALK

24 RANCH CROSSING HOM EOW NERS ASSOCIATION;RIVERW ALK RANCH HIGH NOON HOM EOW NERS

25 ASSOCIATION; RIVERW ALK RANCH M ASTERHOM EOW NERS ASSOCIATION ; ROBINDALE

26 VILLAS HOM EOW NERS ASSOCIATION; ROCKSPRINGSELDORA NO. IOOW NERS' ASSOCIATION ;

27 ROCK SPRINGS HOMEOWNERS ASSOCIATIONjROCK SPRINGS M ESQUITE 2 OW NERS

28

Page 19 of 56

&. zC'a o> LQ t-- co= Y '-' ::D V;D -' r.1 fxym :n ch r.-N co ' TQ X K :rqr çmC) X 6D V Qx R' <C > = = O< r.- ZDZ

w r'>' < we u: Lu at

'et rd < ;K '*k1 < Q == U u= =m < > = zk-d 1/3 m o,d . m =<t -/7 d = X' y. m& .--+ -'x' nco

1 ASSOCIATION ; ROCK SPRINGS VISTA 3HOM EOW NERS ASSOCIATION ; ROCK SPRINGS

2 VISTA 7 HOM EOW NERS ASSOCIATION; ROCKSPRINGS VISTA UN1T-9 OW NERS' ASSOCIATION;

3 ROCK SPRINGS VISTA-8 OW NERS' ASSOCIATION;ROM ANO RIDGE OW NERS ASSOCIATIO

.?N IN ,C ;4 ROSABELLA AT SARATOGA HIGHLANDS ATPROVIDENCE HOMEOWNERS' ASSOCIATIONi

5 ROSABELLA AT TROVATO HOM EOW NERSASSOCIATION ; RO SE GARDEN OW NERS

6 A S S O C 1 A T I O N ; R O S E M O N T E S T A T E SH OM EO W NERS ASSOCIATION; ROSEW OOD

7 A S S O C I A T I O N ; R O Y A L C R E S T A R M SCONDOM INIUM I-IOM EOW NERS ASSOCIATIO UN

8 INC .; RO Y AL ESTATES HO M EO W N ERSASSOCIATION; ROYAL HIGHLANDS STREET AND

9 LANDSCAPE M AINTENANCE CORPORATION;ROYAL RIDGE M OBILE HOM E ESTATES OW NERS

10 ASSOCIATIO N; ROYALW OOD LAN DSCAPEM AINTENANCE ASSOCIATIONU INC.; S. P.

l 1 HOMEOWNERS' ASSOCIATIONUV UC ;SABLEOAKSMANOR HOMEOWNERS ASSOCIATION; SADDLE

l 2 RIDGEHOM EOW NERS ASSOCIATION; SAGEHILLSCOM M UNITY A SSOCIATION ; SAGECREEK

13 H OM EOW N ERS A SSO CIA TIO N ; SA HA RAM OUNTAIN VISTA HOM EOW NERS ASSOCIATION ;

14 SAHARA SUM M IT HOM EOW NERS ASSOCIATION ;

SAHARA SUNRISEHOMEQWNERS ASSOCIATION;15 SALT CREEK OWNERS' ASSOCIATIQN; SANGABRIEL UNIT l AT MOUNTAIN

'S EDGE16 HOM EOW NERS ASSOCIATION; SAN M ARINO

PROPERTY OW NERS ASSOCIATION; SAN NICCOLO

17 AT SOUTHERN HIGHLANDS HOMEOWNERjASSOCIATION; SAN REM O HOM E OW NERS'

18 A SSOCIATION ; SANDPIPER GOLF VILLASHOM EOW NERS ASSOCIATION ; SANDSTONE

19 CONDOM INIUM S HOM EOW NERS ASSOCIATION;SANTA BARBARA HOM EOW NERS ASSOCIATION;

20 SANTA BARBARA VILLAGE HOM EOW NERS

ASSOCIATION; SANTA BELLA HOMEOWNERj21 ASSOCIATION; SANTA FE HOM EOW NERS'

A S S O C I A T I O N ; S A N T A M A R G A R I T A22 HOM EOW NERS ASSOCIATION ; SANTA ROSA

HOM EOW NERS ASSOCIATION; SANTA ROSE23 HOM EOW NERS ASSOCIATION; SANTIAGO HOM ES

O W N E R S A S S O C 1 A T 1 O N ; S A P P H l R E24 HOM EOW NERS ASSOCIATION ; SAVALLIESTATES

HOM EOW NERS' ASSOCIATIO ?N IN aC ; SAVANNAH25 FALLSHOM EOW NERS ASSOCIATION; SAVANNAH

HOMEOWNERS AjSOCIATION; SAVANNAHPLACE26 HO M EO W N ER S' A SSO CIA TIO N ; SBH l

HO M EO W N ER S' A SSO CIATIO N ; SBH 327 HOMEOWNEIJS' ASSOCIATION; SBH 4

HOM EOW NERS' ASSOCIATION; SCENIC VIEW28

Page 20 of 56

:Da X7 kz' '= L:

Q UJc) L2x ZtokJ '><>.e <Yt == <=Cn <- Ka

.

Q -A xr

cr

c xoc cm.*1 .m,r'x vc o .xl

O.LI

Q c4x'U c''. r'-z œo Z= Nh B=. oE <

l TO W N H O M ES O W N ERS' A SSOC IA TIO N ;S C O T T S D A L E P L A C E H O M E O W N E R S

2 A SSO CIATIO N ; SEA SO N S AT ALIA NTEC O M M U N l T Y A S S O C I A T l O N ; S ED O N A

3 COM DOM INIUM HOM EOW NERS ASSOCIATIONulN UC ; SEDONA HOMEOWYERS ASSOCIATION;4 SENECA FALLS OW NERS' ASSOCIATION; SENNACOM M UNITY HOM EOW NER'S ASSOCIATION;

5 SEQUOIA HOMEOW NERS ASSOCIATION;SERENADE HOM EO W NERS ASSOCIATION ;

6 SEREM TY HOM EOW NERS ASSOCIATION; SETONAHOM EOW NERS ASSOCIATION ; SEVEN HILLS

7 M ASTER COM M UNITY ASSOCIATION; SEVILLAHOM EOW NERS ASSOCIATION ; SEVILLE ETAGE

8 HO M EO W N ER S A SSO CIA TION ; SH ADO WCROSSINGS HOM EOW NERS ASSO CIATION;

9 SHADOW HAW K SUBDIVISION HOM EOW NERSASSOCIATIO N ; SHADO W H ILLS M A STER

10 ASSOCIATION ; SH ADOW M OLTNTAIN RANCHC O M M U N l T Y A S S O C IA T l O N ; S H A D O W

l 1 M OUNTAIN RANCH LANDSCAPE M AINTENANCECORPORATION ; SHADOW POINTE RECREATION

12 ASSOCIATIO ON IN m.

C ; SHADOW RIDGE ESTATESLIM ITED HOM EOW NERS ASSOCIATION; SHADOW

13 SPRINGS COM M UNITY ASSOCIATION; SHADOWW OOD HOM EOW NERS' ASSOCIATIO

. .I.N INC:;14 SH AD O W BRO O K FALLS H O M EO W N ER S

ASSOCIATION ; SHAYLON IIOM EOW NERS'15 ASSOCIATION ; SHEFFIELD HOM EO W NERS

ASSOCIATION ; SHOW CA SE IIOM EOW NERS16 ASSOCIATION U INC .; SIENA COM M U NITY

ASSOCIATION ; SIERRA CROSSINGS AT SHADOW1 7 HILLS OW NERS' ASSOCIATION; SIERRA HILLS

LANDSCAPE M AINTENANCE ASSOCIATIO oN INC.;18 SIERRA M AD RE AT M OUNTA IN S HD GE

HOM EOW NERS ASSOCIATION; SIERRA RANCH19 HOM EOW NERS ASSOCIATION; SIERRA VALLEY

ASSOCIATION; SILVER CREEK HOM EOW NERS20 ASSOCIATION; SILVER CROSSING HOM EOW NERS

ASSOCIATION ; SILVER PINES HOM EOW NERS'21 ASSOCIATION; SILVER POINTE I LANDSCAPE

M AINTENANCE ASSOCIATION; SILVER SPUR22 OW NERS' ASSOCIATIO N; SILVER TURTLE

HOM EOW NERS ASSOCIATION; SILVERADO 12923 HOM EOW NERS ASSOCIATION; SILVERADO

CA N Y ON S LAN D SCA PE M AINTEN AN CE24 ASSOCIATION ; SILVERADO COURT LANDSCAPE

M AINTENANCE CORPORATION ; SILVERADO25 CRO SSING LAN D SCA PE M AIN TEN AN CE

ASSOCIATION ; SILVERADO HILLS 11 LANDSCAPE26 M AINTENANCE ASSOCIATION; SILVERADO I-IILLS

LANDSCAPE MAINTENANCE ASSOCIATIONj27 SILVERADO LANE EAST HOMEOW NERS

ASSOCIATION; SILVERADO PINES LANDSCAPE28

Page 21 of 56

1 M AINTENANCE ASSOCIATION, INC.; SILVERADOPLA CE H O M E O W N ER S' A SSO C IA TIO N ;

2 SILVERADO POINT/RID GE HO M EO W NERSASSO CIATION ; SILVERAD O RAN CH lll

3 LANDSCAPE M AINTENANCE CORPORATION;SILVERADO RANCH LANDSCAPEM AINTENANCE

4 C O R P O R A T l O N ; S 1 L V E R A D O S O U T HHOM EOW NERS ASSOCIATION ; SILVERADO

5 T R A l L S L A N D S C A P E M A l N T E N A N C EASSOCIATION; SII,VERDO PLACEHOM EOW NERS'

6 A S S O C l A T l O N ; S IL V ER S T O NE R A N C HCOM M UNITY ASSOCIATION ; SILVERW OOD

7 RANCH HOM EOW NERS ASSOCIATION, INC.; SKYLAS VEGAS CONDOM INIUM UNIT OW NERS'

8 ASSOCIATION; SKY LAS VEGAS M ASTERASSOCIATIO N ; SK YH AW K TO W NH OM ES

9 HOM EOW NERS ASSOCIATIO ,N INC,; SKYPOINTEUNIT OW NERS' ASSOCIATION ; SKYRIDGE

10 HOM EOW NERS ASSOCIATION; SM OICE RANCHM AINTENANCE DISTRICT; SM OKE RANCH PINES

11 ASSOCIATIO N ; SM O KE RAN CH V ILLA SHOM EOW NERS ASSOCIATION; SM OKEY LANE 2

12 CONDOM INILTM S HOM EOW NERS ASSOCIATION; '

! SOHO LOFTS HOMEOWNERS' ASSOCIATION; '1 p 72 , ), 13 SOLANA DEL M AR COM M UNITY ASSOCIATION;

'Q - < Q X SOLANA HOMEOWNERS ASSOCIATION; SOLANA@ 'ê ) V ' 's s t j 14 TERRACEHOMEOWNERS ASSOCIATION; SOLANO

ei j

.7 g g HOMEOW NERS ASSOCIATION; SOLERA ATmL C r u'- I,G 15 ANTHEM COMMUNITY ASSOCIATION, lNC.j=< J 1 =' R SOLERA ATSTAI-LIONMOG TAING ITOWNERSxm cl :! E 1 16 ASSOCIATION; SOLEVITA CONDOMINIUMSaz j .1 1. < ASSOCIATIO ,N INC.; SOMERSET COMMUNITY'k j 17 HOMEOW NERS ASSOCIATION; SOMERSET

HOM EOW NERS ASSOCIATION; SOM ERSET PARK18 HOM EOW NERS ASSOCIATION; SOM M ERSET

HO M EO W N ER S ASSOC IATIO N ; SON ATA19 HOM EOW N ER S ASSO CIATION ; SO NO M A

C O M M UN IT Y A S S O C l ATl O N ; S O N R I S A20 HOM EO W N ERS A SSOCIATION ; SOUHERN

TERRACE HOM EOW NERS ASSOCIATION; SOUTH21 CANYONS HOM EOW NERS ASSOCIATION; SOUTH

GLEN HOM EOW N ERS ASSOCIATION ; SOUTH22 SHORES COM M UNITY ASSOCIATION ; SOUTH

VALLEY RANCH COM M UNITY ASSOCIATION ;23 S O U TH ER H IG H L A N D S C O M M U N IT Y

A SSO CIATIO N ; SOU THERN IIIG HLAN D S24 COM M UN ITY ASSO CIATION ; SOUTHERN

TERRACE HO M EOW N ERS ASSOCIATION ;25 SOIJTI-IERN VISTA CONDOM INIUM PROPERTY

O W N ER S A S S O C l A T l O N ; S O U T H F O R K26 HOM EOW NERS ASSOCIATIO ,N INC.; SOUTHGATE

CONDOM INIUM UNIT-OW NERS' ASSOCIATION,27 INC.; SOUTHPARK CONDOM INIW ASSOCIATION;

S O U T H W E S T R A N C H H O M E O W N E R S28

Page 22 of 56

1 ASSOCIATION; SOUVENIR HOM EOW NER'S ASSOC;SOVANA HOM EOW NERS ASSOCIATION ; SPANISH

2 OAKS HOMEOFNERS ASSOCIATION; SPANISHSTEPS OW NERS' ASSOCIATON; SPANISH TRAIL

3 M ASTER ASSOCIATION ; SPANISH VILLASHOM EOW N ERS ASSOCIATION ; SPINNAKER

4 HOM ES AT CENTENNIAL HILLS HOM EOW NERSASSOCIATION; SPINNAKER HOM ES AT STONE

5 HAVEN COM M ONS HOM EOW NERS ASSOCIATION;S P R l N G M O U N T A l N R A N C 14 M A S T E R

6 ASSOCIATION; SPRING OAKS 11 HOM EOW NERSASSOCIARRON; SPRING OAKS lll HOM EOW NERS

7 A S S O C I A T1O N ; S PR IN G O A K S L O T JHOM EOW NERS ASSOCIATION ; SPRING OAKS

8 VILLAGE HOM EOW NERS ASSOCIATION; SPRINGTERRACE HOM EOW NERS ASSOCIATION; SPRING

9 W OODS OW NERS' ASSOCIATION; SPRINGPOINTECONDOM INIUM HOM EOW NERS' ASSOCIATION;

10 SPRINGS ATCENTENNIALRANCHHOMEOWNERjASSOCIATION; SPRINGS RANCH HOM EOW NERS'

1 1 ASSOCIATION; SQUIRE VILLAGE AT SILVERSPRINGS COM M UNITY ASSOCIATION; S'f. ROSE

12 COURT HOM EOW NERS ASSOCIATION; STALLION

! MOUNTAIN COMMUNITY ASSOCIATION; STAR1 j 74 a p 13 HILL HOMEOWNERS ASSOCJATION; STARFIREk cc= x/ 7 prr COND OMINIUM OWNERS ' AS S OC l ATION;rj j é t 7t 14 STARFIRE HOMEOWNERS ASSOCIATION;um # I ; 1 STARFIRE 11 HOMEOWNERS ASSOCIATION;$- j Z yy'- Y 15 STEPHANIE I 30 HOMEOWNERS ASSOCIATION;m STEPHANIECOLTRTHOM EOW NERS ASSOCIATION;.:.h p .ï : 9j q t( u= q 16 STERLING AT SILVER SPRINGS HOMEOWNERShI â s= l ASSOCIATION; STERLING COURT HOMEOWNERS1

<t j 17 AS S OC I ATION ; STER LlN G S PRIN G S IHOMEOWNERS' ASSOCIATION, INC.; STETSON

18 RANCII HOM EOW NERS ASSOCIATION; STEW ARTTOW N HOM EOW NERS ASSOCIATION; STONE

19 CANYON IIOM EOW NERS ASSOCIATIO ,N INC,;STONE CANYON SILVERADO HOM EOW NERS

20 ASSOCIATIO TN INC.; STONECANYON SILVERADOSOUTII I'IOM EOW NERS ASSOCIATION ; STONE

21 CANYON W EST HOM EOW NERS ASSOCIATION ;STON E CA N YO N -PECO S HO M EOW NERS

22 ASSOCIATION; STONE RIDGE CONDOM INIUMASSOCIATION; STONEBROOK HOM EOW NERS

23 ASSOCIATION; STONECLIFF HOM EOW NERSASSO CIATION ; STONEGATE HOM EO W NRS

24 ASSOCIATION ; STONEHURST AT M OUNTAINSED G E H O M E O W N E R S A S S O C 1 A T l O N ;

25 STONERIDGE HOM EOW NERS' ASSOCIATION ;STRATFORD HOM EOW NERS ASSOCIATION ;

26 STRAW BERRY FIELDS PROPERTY OW NERSASSOCIATION ; STURBRIDGE HOM EOW NERS

27 ASSOCIATION ; SUM M ER RIDGE HOM EOW NERSASSOCIATION ; SUM M ER TRAIL HOM EOW NERS

28

Page 23 of 56

=a =M' :2 rxr- c . = nW ... U çnJD 01 me .z) QN r-m =) 1 f%D UJ JM Vm <! ro .C) a x fcgx A < mm

> r.q -.U > = CD CN< z r'- =. w >> < . -= w œ =d < s z == = p 1 g<% .= /X K - Z /m . < ' =

M ' < -= <% = s œQ-

*> NX

1 A SSO CIATIO N ; SU M M ERCREST V ILLASHOM EOW NERS ASSOCIATION; SUM M ERLIN

2 NORTH COM M UNITY ASSOCIATION; SUM M ERLINSOUTH COM M U NITY ASSOCIATION; SUM M ERLIN

3 W E S T C O M M U N l T Y A S S O C l A T l O N ;SUM M ERTRAIL HOM EOW NER ASSOCIATION;

4 SM RTRAILOW NERS'ASSOCIA'I'ION;SM ITI-IILLS HOM EOW NERS ASSOCIATION; SUN CITY

5 ALIANTE COM M UNITY ASSOCIATION; SUN CITYANTIIEM COM M UNITY ASSOCIATIO nN IN

- :C ; SUN6 CITY M ACDO NALD RANCH COM M UNITY

ASSOCIATION, INC.; SUN CITY SUM M ERLIN7 COM M UNITY ASSOCIATIO gN INCA; SUN CITYSUM M ERLIN NEIGHBORHOOD M AINTENANCE

8 A S S O C l A T l O N , I N C . ; S U N C O U NT R YCO M M U N ITIES UN IT 1 H O M EO W NERS

9 ASSOCIATION ; SU NBURST HOM EOW NERSASSOCIATION; SUNCREST HOMEOWNERj

10 ASSOCIATION ; SUNCREST TRAIL OW NERS'ASSOCIATION; jUNDANCE AT TllE SHADOWS

l 1 HOM EOW NERS' A SSOCIATION ; SUND ANCE

H O M E O W N E R S A S S O (j 1 A T l O SN l N XC ;12 SUNHAMPTON OWNERS ASSOCIATION;

SY IDGEATM ACDONV D RANCH COM O ITY13 ASSOCIATION , IN C.; SUNRIDGE ESTATES

HOM EOW NERS A SSO CIATION ; SUNRIDGE14 HOM EOW NERS ASSOCIATION;SUNRIDGEM ANOR

HOM EOW NERS A SSO CIATJON ; SIJNRIDGE15 RANCHOS HOM EOW NERS' ASSOCIATIO

.- ?N INC.;SUNRISE BAY OW NERS' ASSOCIATION; SUNRISE

16 CANYON COM M UNITY ASSOCIATION; SUNRISECOUNTRY HOMEOWNERS ASSOCIATIO Y INC.;

17 SUNRISE CREST I-IOM EOW NERS ASSOCIATION;S U N R 1 S E H l G H L A N D S C O M M U N 1 T Y

18 ASSOCIATJON; SUNRISE RIDGE HOM EOW NERSASSOCIATION; SUNRISE VALLEY ESTATEj

19 ASSOCIATION; SUNRISE VILLAS HOM EOW NERS'ASSOCIATION, INC .; SUNRISE Vl1-l-AS IX

20 HOM EOW NERS' ASSOCIATION; SUNRISE VILLASV HOM EOW NERS'ASSOCIATION; SLTNRISEVILLAS

21 V1 HOM EOW NERS' ASSOCIATION; SUNRISEVILLAS V1ll HOM EOW NERS' ASSOCIATION;

22 SUNSET CLIFFS HOM EOW NERS' ASSOCIATION;SUNSET PASS HOM EOW NERS ASSOCIATION;

23 SUNSET PINES LANDSCAPE M AINTENANCEASSOCIATION. IN

- :C ; SUNSET PINES NORTH

24 LIM ITED HOM EOW NERS ASSOCIATION ; SUNSETRIDGE LIM ITED HOMEOW NERS ASSOCIATION;

25 SUNSET TRAILS HOM EOW NERS' ASSOCIATION ;SUW ON PLACE HOM EOW NERS ASSOCIATION ;

26 SW EETBRIAR HOM EOW NERS ASSOCIATION ;SWEETW ATER CANYON HOMEOWNERj

27 ASSOCIATION; SYM PHONY HOM EOW NERS'ASSOCIATION; TAHOEPROPERTY HOM EOW NERS

28

Page 24 of 56

cg XQ CHFe N' ' r > coa ..- cz D- = w. ç%rw 01 xoo y; %s p. o= co I rkz uJ' :f x'2. < çrx M < .-w=

> u -.X 2 = w G1< z r- CDp,w w D'

.. < z ;s w< x a'< < m é= = J czu = X* < > = y.+ X uu o.h , . < ='X st' < X X

= y. LLQ-

d xc

1 ASSOCIATION; TALASERA AND VICANTO

HOMEOWNERj' ASSOCIATION; TAMARAC2 HOM EOW NERS' ASSOCIATION; TANGLEW OOD

CONDOM INIUM ASSOCIATION ; TANGLEW OOD3 HOM EOW NERS ASSOCIATION; TANTARA UNITOW NERS' ASSOCIATION; TAPESTRY AT TOW N

4 CENTER HOM EOW NERS ASSOCIATION; TARAVILLAS HOM EOW NERS ASSOCIATION; TARRY

5 TOW NE HOM EOW NERS ASSOCIATION; TEM POHOM EOW NERS ASSOCIATION, INC.; TENAYA

6 CREEK HOM EOW NERS ASSOCIATION; TENAYACRO SSING HO M EOW NERS A SSOCIATION ;TENNISTATES HOM EOW NERS ASSOCIATION;TERA HOM EOW NERS ASSOCIATION ; TERRA

8 L l N D A T O W N H O U S E H O M E O W N E R SASSOCIATION; TERRA VILLA HOM EOW NERS'

9 ASSOCIATION; TERRACES AT ROSE LAKEHOM EOW NERS ASSOCIATION; TERRACINA/

10 TERRASOL HOM EOW NERS' ASSOCIATION ;TERRASANO HOM EOW NER'S ASSOCIATIO ,N INCT;

11 TERRA SAN TA C ON D OM IN IU M OW NERSASSOCIATION, INC,; TERRASINI UNIT OW NERS'

12 ASSOCIATION; TESORO HOMEOWNER'jA SSOCIA TION ; TH E ARBORS OW N ERS'

l 3 A S S O C 1 A T 1 O ,N 1 N C . ; T H E B L U F F SDUPLEXES-ENCORE ADDITION HOM EOW NERS

14 ASSOCIATION;THECARM ELS ATSPANISH TRAILASSOCIATION; THE CHARLESTON HEIGHTS 44-E

I 5 TOW NHOUSE OW NERS ASSOCIATIO .N INC.; THECLIFFS @ LONE M OUNTAIN HOM EOW NERS

16 ASSOCIATION; THE COLONY; TI'IE COTTAGES ATC E N T E N N IA L R A N C H H O M E O W N E R S

17 ASSOCIATION;THECOURTYARDS HOM EOW NERSASSOCIATION ; THE COVES HOM EOW NERS

18 ASSOCIATION; THE CROSSINGS HOM EOW NERSASSOCIATION; Tl'lE ENCLAVE CONDOM INIUM

19 UNIT-OW NERS & ASSOCIATION: INC.; THEENCLAVE HOM EOW NERS ASSOCIATION; TI'IE

20 FALLS AT RHODES RANCH CONDOM INIUMO W NERS ASSOCIATION , INC.; THE FALLS

2 1 CONDOM INIUM S ASSOCIATION; Tl'lE GABLESCONDOM INIUM OW NERS ASSOCIATIO ,N INC.;THE

22 G R A N A D A PA L O M A R C O M M U N IT YASSOCIYTION; THE GREENBRIAR TOWNHOUSE

23 OW NER'S ASSOCIATIONTINC.;TX GREENSHOGOW NERS ASSOCIATION, INC.;THE GROVE

24 HOM EOW NERS ASSOCIATION ; TliE HEATHERSHOM EOW NERS ASSOCIATION ; THE HIGI-ILAND

25 FAIRW AYS COM M UNITY ASSOCIATIO :N INC,;THEHILLS HOM EOW NERS' ASSOCIATION ; THE

26 ISLANDS AT SPANISH TRAIL ASSOCIATION; TIIEKEYS ASSOCIATION; Tl'lil KEYS CONDOM INIUM

27 ASSOCIATION; TI4E LAKES ASSOCIATION ; THELINKS AT SPANISH TRAIL ASSOCIATION; THE

28

Page 25 of 56

1 M E S A T O W N 11 O M E S H O M E O W N E R SA S S O C l A T l O N ; T H E P A C I F I C

2 HARBORS-STONEGATE OW NERS ASSOCIATION;Tlv PARKS HOM EOW NERS ASSOCIATION; THE

3 PEAKS HOM EOW NERS' ASSOCIATION; THEPLATINUM UNIT-OW NERS' ASSOCIATION; THE

4 RANCHES HOM EOW NERS ASSOCIATION; Tl'lERANCHO ALTA MIRA OWNERS ASSOCIATIONj5 THE REGENT AT TOWN CENTRE HOMEO

W NERSASSOCIATION;THERESIDENCE ATM GM GROUND

6 - TOW ER C UNIT OW NERS' ASSOCIATION ; Tl'lERESIDENCES AT CANYON GATE HOM EOW NERS

7 ASSOCIATION, INC.; THE RESIDENCES AT M GMGRAND-TOW ER C UNIT OW NER'S ASSOCIATION;

8 THESEASONSHOM EOW NERS ASSOCIATION;THESECTION SEVEN COM M G ITY ASSOCIA'I'ION ;TC

9 SPRINGS AT SPANISH TRAIL ASSOCIATION; TlvSPRINGS HOM EOW NERS' ASSOCIATION; Tl'lE

10 STONEGATE HOM EOW NERS ASSOCIATION; THESUM M IT AT M OUNTAINS EDGE HOM EOW NERS

11 ASSOCIATION; Tl'lE SUNRISE M OUNTAIN TOW NHOM ES HOM EOW NERS ASSOCIATION, INC.; Tlv

12 TERRACES COM M UNITY ASSOCIATION) Tlv! TERRACES HOMEOWNERS ASSOCIATION; Tl'lE

al j E

.q a py 13 VILLAGE GREEN HOM EOW NERS ASSOCIATIO ,N

'J. = 72 > T INC.; THE VILLAGE OF SILVER SPRINGS': $ 7) ' 'é f a x j 14 COMMUNITY ASSOCIATION; TI-lE VILLAGES;j t 07 #; g HOMEOWNER'S ASSOCIATION; THE VILLAS

SK q' zr- 15 COMMUNITY ASSOCIATION) THE VININGS1 .1 é I j HOMEOWNERS ASSOCIATION; THE WHITNEYx:n :1 ij j ut 16 RANCH OWNERS ASSOCIATION; THE WILLOWSaM > Z / k2 HOM EOW NERS' ASSOCIATION; TIARA SUM M IT* j 17 HOMEOWNER'S ASSOCIATION;TIBURON ESTATESHOMEOWNERS ASSOCIATIO

,N INC.; TIBURON 111 8 HOM E OW NERS ASSOCIATIO ,N INC.; TIBURON 11

i HOM EOW NERS ASSOCIATION , INC.; TIDES I19 HOM EOW NERS ASSOCIATIONà TIDES 11

HOM EOW NERS ASSOCIATION ; TIERRA BELLA20 HOM EOW NERS' ASSOCIATION; TIERRA DE LAS

PALM AS OW NERS ASSOCIATION; TIERRA LINTDA21 IILIM ITED HOM EOW NERS ASSOCIATION; TIERRA

L I N D A L A N D S C A P E M A I N T E N A N C E22 ASSOCIATION, INC.; TIM BERLAKE STREET AND

LANDSCAPE M AINTENANCE ASSOCIATION ;23 TIM BERLINE HOM EOW NERS ASSOCIATION ;

TORREY PINES ESTATES HO M EOW NERS24 ASSOCIATION; TORREY PINES HOM EOW NERS

ASSOCIA TIO N ; TR A CCIA CO M M U N ITY25 ASSOCIATION; TRADITIONS HOM EOW NERS

ASSOCIATION; TRAIL RID GE COM M UNITY26 ASSOCIATION; TRAILSIDE POINT PROPERTY

OW NERS ASSOCIATION;TRAY SIDESU DIVISION27 HOM EOW NERS ASSOCIATION ; TRAILW OOD

HOM EOW NERS ASSO CIATION; TRAM ONTO28

Page 26 of 56


czlV fNl

M u.cm s. rw (o goc = '-' &.-. 0.1 CQo V;W os rx =Q. cr I CQ& 7 * VFr <

rn .Q * Q X 0 '2r < DCM = '-' .-.x c,1 o,jCJ > uu cp cz

- < z: :> l-.$7 < ' --' '-'oo 7; uu< cz < x .X I O = >< .X = .-:#1 .> > m- Lf =m . m = G* ';< e 'm <.

.u = ma .'-'xrX

il VILLAGGIO H OM EOW NERS ASSOCIATION ;TRAVATA AND MONTAG: AT SUMMERLIN2 CENTRE HOMEOW NERS

' ASSOCIATIONqTRAVERSEPOINTCONDOMINIUMUNITOWNERS' j3 ASSOCIATION; TRAVERSE POINT LANDSCAPE iM AINTENANCE ASSOCIATIO aN INC.; TREASLJRES j

4 LANDSCAPEMAINTENANCEASSOCIATION;TREQ jN O R T H A ND S O UT H H O M E O W NE R S ' E

5 A SSO CIA TION ; TREV ISO H OM EOW N ERS'ASSOCIATION; TRIANA HOMEQW NERS i

6 ASSOCIATION ; TRIPOLY AT KING'S HILL EHOMEOWNERS ASSOCIATION; TRIPOLY AT j

7 STEPHANIE HOMEOWNERS ASSOCIATION; !TRIPOLY AT TOW N CENTER HOM EOW NERS

8 ASSOCIATION; TRIPOLY AT W ARM SPRINGSNORTH HOM EOW NERS ASSOCIATION; TRIPOLY

9 AT W ARM SPRINGS SOUTH HOM EOW NERSASSOCIATION; TROPICAL BREEZE V OW NERS

1 0 A S S O C I A T I O N ; T R O P I C A L M E A D O W SHOM EOW NERS ASSOCIATION, IN JC ; TROPICAL

1 1 VILLAS EAST HOMEOWNERS ASSOCIATION; iTROPICANA SQUARE I'IOM ES ASSOCIATION;

12 TROPICANA VILLAS HOM ES ASSOCIATION ;TROVARE HOMEOWNERS ASSOCIATION; (

13 T U R N B E R R Y T O W E R S C O M M U N 1 T Y jASSOCIATIONqTURNBERRY TOW ERS EAST ;

14 UNIT-OW NERS' ASSOCIATION; TURNBERRY kTOW ERS W EST UNIT-OW NERS' ASSOCIATION; I

15 'FURNING POINT COM M UNITY ASSOCIATIO JNl N C . ; T U R T L E R O C K H O M E O W N E R S !

16 ASSOCIATION; TUSCALANTE HOMEOWNERS jASSOCIATION; TUSCAN VILLAS HOM EOW NERS I

17 ASSOCIATION; TUSCANO HOM EOW NERS IASSOCIATION;TUSCANY M ASTER ASSOCIA'VION;

18 T U S C A N Y V l L L A G E N O R T H S H O R E S 1H O M E O W N E R S A S S O C l A T ! O N ; T W A 1 N i

l 9 CONDOM INIUM S HOM EOW NERS' ASSOCIATION; 'TW ILIGHT AT OLD VEGAS RANCH HOM EOW NERS

20 ASSOCIATION;TWILIGHTNORTHHOMEOWNERS jA S S O C 1 A T I O N ; U N I V E R S I T Y C R E S T

21 HOM EOW NERS ASSOCIATION ; V AT LAKE LASVMGAS UNIT OWNERS' ASSOCIATION; VAL

22 D'ISEREHONIEOW NERS ASSOCIATION; VALENCIAHOM EOW NERS ASSOCIATION; VALLEY DEL

23 PARAD ISO HOM EOW NERS ASSOCIATION ;VALLEY VIEW M EAD OW S HOM EOW NERS

24 ASSOCIATIONUINC.; VEGAS GREEN TOW NHOUSESHOM EOW NERS ASSOCIATION; VEGAS STAR l

25 CONDOMINILIM ASSOCIATION, IN G ; VENEZIACOMMUNITY ASSOCIATION; VENTANA AT

26 SIERRAM ONTANA HOM EOW NERS' ASSOCIATION;

V E N T A N A C A N Y O N H O M E O W N E R j27 ASSOCIATION, INC.; VERDE VIFUO OW NERS'

ASSOCIATION; VIA VALENCIA/VIAVENTURA28

Page 27 of 56

c@ XQ fN+4 = r- c)H' .- cp uoX = .- rxl ra. wq cx nx ym co ' r '. . r x i- % < cn r/Q r? X X CVx A < =u; w &1 jx..xY >

cu =< p. =K w rx> < we =?. uu s;<! X < z 'a < c =- = O .- xx < = n:>

m B- 71 ua . uo =X > < = <e .a H. CLQ

.-d x

l H O M E O W N ER S A S S O C l A T l O N ; V l ER ACONDOM INIUM ASSOCIATIONU INC.; VIEW OF

2 BLACK M OUNTAIN HOM EOW NERS ASSOCIATION;VILLA AZURE HOM EOW NERS ASSOCIATION;

3 VILLA DEL ORO OW NERS ASSOCIATION ; VILLA

DELSOLHOMEOWNEIJS ASSOCIATION; VILLALA4 PAZ HOMEOWNERS' ASSOCIATION; VILLA

PACIFICA HOM EOW NERS' ASSOCIATION ; VILLA5 PALERM O 37 HOM EOW NERS ASSOCIATION;V l L LA PA LER M O 5 - l 0 H O M E O W NE R S

6 A S S O C I A T I O N ; V ILL A R l D G E D R l V EHOM EOW NERS ASSOCIATIONC INC.

.; VILLA

7 SEDONA COM M UNITY ORGANIZATION; VILLATRINIDAD AT PAINTED DESERT HOM EOW NERS

8 ASSOCIATION, INC,; VILLAGE AT CRAIG RANCHHOM EOW NER'S ASSOCIATION; VILLAGE SOUTH

9 LANDSCAPE M AINTENANCE ASSOCIATION ;VILLAGIO COM M UNITY ASSOCIATION ; VILLAS

10 AT BLACK M OU NTAIN H O M EO W N ERSASSOCIATION; VILLAS AT BLUE DIAM OND

l l SPRINGS COM M UNITY ASSOCIATION; VILLAS ATCLIFF SHADOW S HOM EOW NERS ASSOCIATION ;

12 VILLAS AT DESERT BREEZE HOM EOW NERSA SSOC IATIO N ; VILLA S AT FLA M ING O

13 HOM EOW NERS ASSOCIATION INC; VILLAS ATFORT APACHE HOM EOW NERS ASSOCIATION ;

14 VILLAS AT HUNTINGTON HOM EOW NERSA SSO CIATIO N ; VILLAS AT SILVERA DO

15 HOM EOW NERS ASSOCIATION; VILLA S ATSPANISH TRAIL ASSOCIATION; VILLAS AT

16 TIERRA LINDA HOM EOW NERS ASSOCIATION )V ILLA S AT TRO PICA N A COM M U N ITY

17 ASSOCIATION ; VILLAS AT TROPICANA NORTHCOM M UN ITY A SSOCIATION ; VILLAS AT

18 W INDM ILL COM M UNITY ASSOCIATION; VILLASON Tl'lE GREEN CONDOM INIUM ASSOCIATION;

19 VILLA S ON THE GREEN H OM EOW NERSASSOCIATION ; VINTAGE OAKS HOM EOW NERS

20 ASSO CIATIO N ; VISCAY A HO M EOW NERS

ASSOCIATION; VISTA DEL MONTE COMMUNITY21 ASSOCIATION; VISTA GRANDE HOM EOW NER'S

ASSOCIATION ; VISTA RIDGE HOM EOW NERS22 ASSOCIATION; VISTANA CONDOM INIIJM OW NERS

ASSOCIATIO >N INC.; VIZCAYA AT THE TRAILS23 CONDOM INIUM UNIT OW NERS ASSOCIATION;

W AKEFIELD HOM EOW NERS ASSOCIATION ;24 W ALNUT GLEN LANDSCAPE M AINTENANCE

ASSOCIATIO JN INC.; W ARM SPRINGS RESERVE25 OW NERS ASSOCIATION; W ASHBURN CREEK

ASSOCIATION , INC.; W ATERFALLHOM EOW NERS26 ASSOCIATION ; W ATERM ARKE HOM EOW NERS

A S S O C l A T l O N ; W E L L I N G T O N P A R K27 HOM EOW NERS ASSOCIATION ; W ELLINGTON

PLACEHOM EOW NERS ASSOCIATION ; W ESTPARK28

Page 28 of 56

cx.X (N

r' s c. tarM mm r -' &o X GN mm oc 77 :9;D tf < :* 'x$7: tz f r: c -::7 zc

xx H < .-.72 > rt '-'X > = ZD *'<' r- C. . z c-% - '-'<

.g = uu.et ;< < x< o 72Q x D >;u =

y1 < > a: -..- m ;A '0we . zo tp<: ' * Q' <5

-) F- LuQ .-.

e Qoq w

1 V l L L A S / C O U R T Y A R D S H O M E O W N E R SASSOCIATION; W EST SAHARA COM M UNITY

2 ASSOCIATION; W EST W ELLINGTON ESTATESHOM EOW NERS ASSOCIATION; W ESTCHESTER

3 H l LL S H O M E O W NE R S ' A S S O C 1 AT I O N ;W ESTCHESTER M ANO R HOM E O W NERS

4 ASSOCIATION; W ESTON HILLS HOM EOW NERS'ASSOCIATIO N ; W ESTTROP ASSOCIATION ;

5 W ESTW IND H OM EOW NERS' ASSOCIATION;W ES T W l N D L l M ITED LIO M EO W .N E R S

6 ASSOCIATION ; W ESTW IND NORTH LIM ITEDHOM EOW NERS A SSO CIATION ; W EXFORD

7 VILLAGE HOM EOW NERS ASSOCIATIO U-

N INC.;W EXFORD VILLAGE PHASE 11 HOM EOW NERS

8 ASSOCIATION; W HISPER ROCK ASSOCIATION;W H ISPER IN G TIM BERS H O M EO W N ER S

9 ASSOCIATION; W HITNEY HEIGHTS ASSOCIATION;WHITNEY PLACE I'IOMEOWNER'S ASSOCIATIO Y

10 INC.; W IG W AM RANCH EAST TW ILIGHTHOM EOW NERS ASSOCIATION; W IGW AM RANCH

1 1 M ASTER HOM EOW NERS ASSOCIATION; W IGW AMRANCH SQUARE HOM EOW NERS ASSOCIATION;

12 W IGW AM RANCH TW ILIGHT HOM EOW NERSASSOCIATION; W ILLOW TRACE ASSOCIATION;

13 W ILLOW TREE HOM EOW NERS ASSOCIATION;W INCHESTER M AINTENANCE CORPORATION;

14 W INDBROOKE LANDSCAPE M AINTENANCECORPORATION; W INDIM ERE AT PROVIDENCE

15 I'IOM EOW NERS A SSOCIATION ; W INDM ILLCROSSING H OM EO W N ER'S A SSOCIATION ;

16 W IN D M IL L H E IG H TS H O M EO W N ER SASSOCIA TION , IN C.; W IN DM ILL PARK

17 HOM EOW NERS ASSOCIATION; W INE RIDGEESTATES IIOM EOW NER'S ASSOCIATION; W INE

l 8 RIDGE PLACE HOM EOW NERS ASSOCIATION;W INTER W O OD VILLA G E UNIT NO . 1

19 HOMEOWNERS ASSOCIATION; WOODCRES'fHOM EOW NERS ASSOCIATION ; W OODLAND

20 RIDGE COM M LJNITY ASSOCIATION INC; X-ITHOM EOW NERS ASSOCIATION; YELLOW STONE

21 HOM EOW NERS ASSOCIATION; YORK VILLAGECOM M UNITY ASSOCIATION; DOES 1 through 5000;

22 and ROE ENTITIES l through 5000, inclusive.

23 Defendants.

24The United States of America, by and through qui /f7/?l relators Puoy K. Premsrirut,

25James R. Adams, Esq., (''Relators''), brings this action under 31 U.S.C j 3729, et seq., as

26(False Claims Act) to recover aI1 damages, penalties and other remedies established by

27Claims Act on behalf of the United States.

28

Pagc 29 of 56

l JURISDICTION & VE

2 1. This Court hasjurisdiction overthe subject matter of this action pursuant to 28 U.S.C.

3 j 1331 , and 31 U.S.C. j, 3730, the latter of which specifically confers julisdiction on this Coull for

4 actions brought pursuant to 31 U.S.C. 'jj 3729 (the itlJalse Claims Act'').

5 2. This action is not bascd upon the public disclosurc of allegations or transactions in a

6 criminal, civilo or administrative healing, in a congressional, administrativc, or General Accounting

7 Office reportp hearing, audit, or investigation, or tkom the news media. M orcvcr, Relators have direct

8 and independent knowledge of the information on which the allegations of fraud and false claims are

9 hercin based and thcy have voluntalily investigated, researched, developed the information and have

10 provided the information to thc Plaintiff. Thtls, thcrc have bccn no public disclosures of the

l 1 allegations or transactions contained herein that barjulisdiction under 3 1 U.S.C. j 3730(c).

12 3. This Court has personal jtlrisdiction over Detkndants ptlrsuant to 31 U.S.C. (i 3732(a)!c$

.

Fc d Tu : x I 3 because multiple Degendants can be found, rcsidc and transact busincss in thc State of Nevada and thet .z k r; z t.àb bj 4 h h 14 acts engaged in by multiple Defendant

p which are proscribed by 3 l U.S.C. j 3729, occun'cd in theî r ) = T.

9 '2 à '.u. : 15 state of xevada,> d ,j , j= 1 k %

,7 t'i j 1 16 4. Venue is proper in this District under 28 U.S.C. j1391 because a substantial part of thel kë i .: z =-et i 1 7 events or omissions giving risc to thc claims occurred, or a substantial pal't of propelly that is the

1 8 subject of the action is situated in the State of Ncvada and one or more of the Defendants may be

19 found in thc State of Nevada. ln addition, for purposes of vcliue, Defendants are corporations and, as

20 such, are deemed to reside in this judicial distlict because they are subject to personal jurisdiction in

21 the State of Nevada.

22 THE PARTIES

23 5. Relators James R. Adam s and Puoy K. Premsrirut are practicing attol-neys in the State

24 of Nevada and, over the last 18 months, have discovered and have actively investigated a years Iong

25 scheme by Defendants to defraud the United States government (4iplaintiff ') including thc Federal

26 National M oftgage Association ('tFannie M ae''), Federal Home Loan Mortgage Corporation (fiFreddie

27 Mac''), and the Departments of Housing and Urban Development (''HUD'') and Federal Housing

28

Page 30 of 56


1 Administration (''FHA''). Defendants havemadcfalse, improper, inaccurate andexcessive claims upon

2 Plaintiff for homeowners' association Iiens, assessments, collection fees and costs which Defendants

3 had no right to claim, any such right having been either extinguished by law, extinguished by the

4 recorded covenants, conditions and rcstlictions og the Defendants homeowners' associations

5 (t'CC&RS'') orimproper under 24 CFR 'j 203.402, Relators are the oliginal Source of the information

6 described herein as they have voluntarily disclosed to the Govelmm ent the information on which

7 allegations or tlunsactions in this action are based. or have knowledge that is indcpendcnt of and

8 materially adds to the publicly disclosed allegations or transactions, if any, and have voluntalily

9 provided the information to the Government before the filing of this action.

10 6. At a1I tim es material hereto, Defcndants W ELLS FARGO BANK NATIONAL

1 1 ASSOCIATION', BAC HOM E LOANS SERVICING LP.. CITIM ORTGAGE INC.., US BANK

12 NATIONAL ASSOCIATION', CHASE HOM E FINANCE LLC.; M IDFIRST BANK; GM ACh1 u: 13 MORTGAGU LLC; COUNTRYWIDE HOME I-OANS INC.', SUNTRUST MORTGAGE INC.;a 1 h I

- :; k ; yyè 1 2 14 FLAGSTARBANCORP, INC.THRSTHORIZONNATIONALCORPORATION',METLIFEBANKi j 1. 7û y:

7.1 y . . . ocjv jox; 'I-AYLOR: 1 g /) 15 NATIONAL ASSOCIATION. BANK OF AMERICA NAl IONAL ASS! tt é.: k, . j

:$ t) iE ! 16 BEAN & W HITAKER M ORTGAGE CORP, wcre mortgage Ienders or holders of mortgage notesl sl1 i .1 >- ,1'et Y 17 doing btlsiness in the State of Nevada (''lasured Lcnders''). At al1 times mateliat hereto, Defendants

X

l 8 NEVADA A SSOCIATION SERVICES, IN C; RM l M ANAGEM ENT, LLC., dba RED ROCK

19 FINANCIALSERVICES', HOM EOW NER ASSOCIATION SERVICES,INC.; ALESSI& KOENIG ,

20 LLC; HAM PTON & HAM PTON; ANGIUS & TERRY COLLECTIONS, LLC) and SILVER STATE

21 TRUSTEE SERVICES, L'LC, were debt ctallection agencics or Iaw firms doing business in the State

22 of Nevada (içDebt Collectors''). The remaining Dcfendants are Nevada common interest community

23 associations and unit owners' associations as defined in NRS j 1 l 6.01 1, also commonly known as a

24 homeowners' associations (gcnerally, ''HOAS'' or itDefendant HOAS'').

25 7. Defendant HOAS and Debt Collectors are entities organized and existing under the!

26 laws of the State of Nevada and transact business in the State of Nevada and the lnsured Lenders

27 transaction business in the State of Nevada.

28

Page 31 of 56


1 8. Defendants HOAS are bound by the provisions of NRS j116, are bound by their

2 recorded CC&RS, and are bound by the provisions of that chapter of the Nevada Revised Statutes

3 underwhich they are incorporated. The Insuredl-enders are bound by the provisions of 24 CFR '1' 203,

4 et.seq.

5 9. Pursuant to NRS j 116.31034 each memberof theexecutive boardof Defendantl-loAs

6 has cel-tified in writing that the member has read and understands their CC& RS and thc provisions of

7 NRS 1 16. Furtherv pursuant to underwriting guidelines, each Insured Lender obtained a copy of

8 Defendant HOAS' CC&RS in the process of making loans on propel-ties which are the subject of tiis

9 Complaint.

10 10. The true names and capacities, whether individual, corporate, or otherwise, of

1 1 Defendants herein designatcd as DOES 1 throtlgh 5,000 and ROE ENTITIES 1 through 5,000

12 inclusive, are unknown to Plaintiff at this time, who therefore sues said Defendants by such fictitious

r1 'J1j: jp gj g ;.à 1 3 names. Plaintiff is informed and believes and thereupon alleges that each of said Defendants are*uz j) R! ##'

),) yj .$ @ 1 14 responsible in some manner fo1 the events and happenings alleged herein and proximately caused the2$ 1 f X t'De s s -Ed ty: ''j 'd' 'j' Q'. 15 injtlries and damages herein alleged. Plainti ff will seek leave to amend this Complaint to allege their.4 ï (; ;= ï àizt :1 ''-.> 1 l 16 true names and capacities as they are ascel-tained

.

11 i. Eli r:i ita = % m

< ï 17 FACTUAL ALLEGATIONSX

18 Fannie M ac and Freddie M ac

19 l 1. Fannie M ae is a government sponsored entel-prise '(C6GSE'') founded in l 938, the

20 purposc of w'hich is to expand the secondary mortgage market by purchasing m ol-tgage loans from

21 participating lenders and securitizing the mortgages in the form of m ortgage-backed seculities. This

22 allows mortgage Ienders to reinvest their assets into more Iending.

23 1 2. Freddie M ac is also a GSE. Freddie M ac was created in l 970 to expand the secondary

24 m arket for mortgages in the United States.

25 13, In 2008, Fannie M ae and Freddie M ac had purchased about 80% of all new home

26 mortgages in the United States. Theircombined investment portfolios held mortgage assets (Ioans and

27 mortgage backed seculities) valued at $1.5 trillion (as of June 30, 2008).

28

Page 32 of 56

Ii1I

I

l 14. The Housing and Econom ic Recovery Act of 2008, enacted July 30, 2008, provided

2 the authority for the United States government's takeover of Fannie M ae and Freddie M ac.

l 3 l5. The act created a new GsEregulator, the Federal Housing Finance Agency (''Fl-1FA''),1

! 4 with the authority to take control of either Fannic Mae and Freddie Mac to restore them to sound11i 5 financial conditions.

! 6 l 6. FHFA is a federal agency.E

'

7 17. Fannie M ae andFreddie M ac have been underFl-lp'A conservatorship since September

8 6, 2008.

9 18. As conservator, FHFA succeeded to alI rights, titles, powers and privileges of Fannie

10 M ac and Freddie M ac and of any shareholder, ofricer or director of the Fannie M ae and Freddie M ac

l 1 with respect to thc Fannie M ac and Frcddie M ac and their assets.

l :?, 1 9. 80th Fannie M ae and Freddie M ac buy home mol-tgages from the oliginating lendersc$ -1 -- ,,jt y q y )q l 3 and repackage them into mol-tgage pools known as mortgage-backed seculities ( MBS(s) ).

q r i 7q#- T Jc yj$ v 1 g? oo 14 20. Fannie M' ae and Freddie M ac will eithcr scll the M BSS or hold thcm in their own

x v j j. ,9 .J >. 7. c Ij investment poufolios.,,

itjyjtc ,z, -.5 I l 16 2l. -rhe p'annie M ae and l-Jreddic Mac M'Bss that are sold to investors (4icertificate:1 k ik ui ,1a =%

.< ï 17 Holders'') are sold via certificates w'ith each ccrtificatc rcprcscnting a pro rata tlndivided beneficial

18 ownership interest in thc M BS.

19 22. Fannie M ae and Freddie M ac holds the M BSS in a trust on behalf of the Certificate

20 Holders (the SSMBS Trusts'').

21 23. As a Fannie M ae or Freddic M ac M BS investor, the Certificate Holder receives a pro

22 rata share of the scheduled principal and intcrcst from m ortgagors on the Ioans backing the M BS.

23 24. lnterest is paid to the Certificate Holder at a specific interest rate and the Certificate

24 Holder also receives any unscheduled payments of principal.

25 25. Fannie M ae and Freddie M ac guarantee to the M BS Trusts that on each distribution

26 date Fannie M ae and Freddie M ac will supplement am ounts received by the M BS Trusts as required

27 to permit payments on the certificates in an amount equal to:

28

Page 33 of 56

=. NQ G> W >W Z - O Xa - c om ko C''l xom ZO rxx J f*.7z '.J' x 'p < oc ooQ a x rex m < :d= > & -Y > = uo >4< z rx => w rxe < . 'w'< :Z 21 W a;< < odl x!Q = c:zJ < = 71 X

v. m > = :za . Lu ux < =M > < = *m = > =

w -N CrD

K

!

l * the aggregate am ounts of scheduledand unscheduled principal paym ents of the

2 mortgage loans, and

3 * an amount equal to one month's interest on the certificates.

4 26. ln addition, Fannie M ae and Freddie M ac guarantee to the M BS Trusts that Fannie M ae

5 and Freddie M ac will supplement amounts received by the M BS Trusts as required to m ake the full

6 and final paymcnt of the total unpttid plincipal balance of the cel-tificates.

27. Thus, Fannie M ae and Freddie M ac fully guaranty the payment to the M BS Trusts of

8 all plincipal amounts of thc underlying mol-tgage loans complising the M BS.

9 28. In addition to theirguaranty responsibilities, under the M BS Trust agrcemcnts, Fannie

10 M ae and Freddie M ac are required in some instances (and have the option in other instances) to

1 1 purchase a mortgage loan or real estate acquired as a result of a default (Etreal estate owned property''

12 or V%REO propelly'') from the MBS Trusts.

13 29, W hile Fannie M ae and Freddie M ac are the master servicers of the M BSS, Fannie M ae

14 and F reddie M ac gcncrally contract with mol-tgage lenders (t'Direct Servicers'') to perform loan

15 servicing functions subject to Fannie Mac and Freddie Mac oversight.

16 30. Fannie M ae and Freddie M ac's master servicing functions include enteling into

17 contracts with Direct Servicers to service the mol-tgage loans, supervising and monitoring the Direct

18 Servicers, and pttying Scrvicing Advances (defined ilkfra) if the Direct Servicer does not so pay.

19 31. Dutiespm-formed by the Direct Servicerinclude genelul Ioan servicing l'esponsibilities,

20 collcction and rcmittancc of payments on the mol-tgage loans, ttdministration of mol-tgage escrow

2 l accounts, collection of insurance claims, paying Servicing Advancesp and foreclosing on defaulted

22 mortgages, if necessary.

23 32. Servicing Advances are amounts of money paid by a Direct Servicer or paid directly

24 by Fannie M ae and Freddie M ac to mai ntain the m ortgaged propelly.

25 33. Servicing Advances includc payments of taxes, assessments by special assessment

26 districts mortgage insurance premiums, hazard (or property), flood earthquake or other insurance

27 premium s, property repairs, and most notably and pertinent to this action, condominium , planned unit

28

Page 34 of 56

c# G&a 018-4 N r--. - R wo= -

)c: cn.m czl F' rp rom .e .;z aJ' lo x:a vt coQ > R (x7 C%as e- Y '-' X= ot '-.Ls > Y c) P 'xr -' w =. z : r-%: < '-' w

os u' = =et < +. m =Q - t3 'D '-w s F x:n < .> z p!- Df

u,e: . . uc =< %' X X X= E-' Q'Q -

X NNx

l development or homeowners' association assessmcnts fees and costs.

2 34, In the case of a foreclosure or tishol-t sale'' of the mortgage property, the Direct Servicer

3 is entitled to l'eimbursement of Servicing Advances m ade by it from protreeds received from the sale

4 of the m ortgaged propel-ty.

5 35. After U.S. house sales prices peaked in m id-20O6 and began their steep decline,

6 adjustablc-rate mortgages began to resct at higher intercst ratcs and lnol-tgage dclinquencies and

7 foreclosul-es soared.

8 36. ln recent years, Nevada has consistently led the nation in mortgage foreclosures.

9 37. Since 2008, Fannie M ae and Freddie M ac have taken title via foreclosure auctions to

l 0 over 23 000 properties in Clark County, NV alone.

1 l 38. The mortgage goreclosure crisis is not Iim ited to governmental agencies. Since 2008,

12 Direct Servicers such as W ells Fargo National Bank, U.S. Bank, Bank of America, ortheirsubsidialics

13 or affiliates have taken title through foreclosure to over 20,000 propel-ties in Clark County, NV, alone.

14 39. ln the last 40 m onths in Clark County, NV, there have been approxim ately 1 10,000

15 foreclosure auctions (averaging over 135 evel'y business day).

16 40. Depending on a particulartroublcd bol-rower's circumstances, as pa14 of Fannie M ae's

17 and Freddie M ac's Ioss mitigation efforts, Fannie M ae and Freddie M ac may acccpt a ''short payoff '

l 8 of the m ortgage loan or foreclose on the mortgaged property.

19 41. W ith a sho14 payoff, the full principal amount of the loan becomes due, but Fannie M ae

20 and Freddie M ac accepts less than the outstanding unpaid principal balance of the mortgage loan from

2 1 sale or refinancing proceeds received by the bol-rower,

22 42, W hcn Fannic M ae or Freddie M ac acccpts a short payoff by the bol-rowers Fannie M ae

23 and Frcddic M ac pay the full stated plincipal balance of the m ortgage loan through to the Certificate

24 Holders (even if the stated principal balance is more than the payoff proceeds received by Fannie Mae

25 and Freddie Mac).

26

27

28

Page 35 of 56

1 43. lf Fannie M ae and Frcddie M ac causes the foreclosure of a mortgaged property, the

2 REO propel-ty typically is purchased by Fannie M ae and Freddie M ac from the related M BS Trust

3 within 60 days after the date of that thc foreclosure sale is completed.

4 44. In cases of foreclosure, Fannie M ae and Freddie M ac pays the full stated principal

5 balance of the mortgage loan through to the Cellificate Holders afterFannie M ae's and Preddie M ac's

6 purchasc of the REO property from the M BS Trust.

7 45. Thus, in cases of defaulted mol-tgage Ioans, shol-t sales and foreclosures, the following

8 options are exerciscd by Fannie M ae and Frcddic M ac:

9 a. Fannie M ac and Freddic M ac will purchase a dcfaulted loan from an M BS

10 Tl-ust for 100% of the principal amount of thc loan and thcn proceed to either

1 1 a short sale or to foreclose on the secured property',

12 b. In the case of a short sale of a Ioan owned by an M BS Trust, pay to the M BS8! d l 3 Trust the proceeds from the short sale plus any deficiency such that the MBSa L!!

- :; j) g jyb lj ( 14 'l-rust receives l 00% of the p1i ncipal amount of the loan ; orîjjkk

u >/y .H: 1 -;.; l 5 c. In the case of a foreclosure ot an MBS Trust property, purchase the REO4 t L 7,1 a! x :'N % E -@g 16 property from the MBS Trust and pay to the MBS Tl-ust 100% of the plincipallrzg

z2 * = F-'<! i 17 amount of the loan.

K

1 8 46. ln each of the above instanccs, and in the case where Fannie M ae and Freddie M ac own .

19 an M BS mollgage pool in their own portfolio, it is Fannie M ae and Freddie M ac that are ultimately

20 responsible for paying a1l Servicing Advances on alI distressed properties such that the M BS Trusts

21 are guarantied to receive 100% of the principal amount of al1 loans within the M BS Trust.

22 47. Thus, in al1 cases where Fannie M ae or Freddie M ac is a guarantor of a loan in an M BS

23 Trust, an owner of a Ioan, or an owner of a property Iocated within Defendant HOAS, as the master

24 servicer and the guarantor of the M BS mortgage pools, Fannie M ae and Freddie M ac will either pay

25 to the Defcndant HOAS and Debt Collectors am ounts demanded by each such HOA for each such!' 26 property, orwill reimburse an M BS Trust for any amounts paid by the M BS Trtlst to Defendant HOAS!

27 and Debt Collectors,! 28

Page 36 of 56

1 The Federal Housing Administration &the Department of Housing & Urban Development

248. The FHA provides mortgage insurance on loans made by Fl-lA-approved lenders

3throughout the United States and its territorics. ln 1965, thc FHA became pal4 of Htr , a government

4agency.

549. HUD, acting through the FHA, runs a homeowncrship program called the single-ram ily

6mortgage insurance program (the iilnsurance Program'') which insures lenders against the risk of loss

7for Ioans on single-fam ily homcs.

850. Following the subprime mortgage crisis, FHA, along with Fannie M ae and Freddie

9M ac, became the source of much of the United States' mortgage financing.

1 051. M any of the foreclosures occurring in the State of Nevada arc due to bon'ower

11delinquencies on FHA insured loans.

l 2Q 52. W hen loaning funds to home buyers for the purchase of hom es Iocated withinâ 11

.

,b.s kF L: 8 r;t 1 3- -j ï F! -tq Dcfcndant HOAS, lcnding institutions and otherholders of mol-tgages (including the Insured Lenders): L ?) h 14i i : oc '.'z . .qj : enter into instlrance agreemcnts with the FHA, tts the mortgage insulel , to insure against Iosses theI.t < y o. )!it J 7 1 5*$ ç 1 l j Insured Lenders may take ir the borrowers do not pay their mortgagc obligations

.'- lt pl 7 tl ïi il 161 i .1 g. f2 53. When bon-owers default on their Ioans, the Insured Lcndcrs often acquire the mortgaged'et E 17

''* property by goreclosure or by deed-in-lieu of foreclostlre.

l 854. After default and foreclosure, the lnsured lwenders then convey the propel'ty to HUD,

l 9file a claim for benefits to IIUD through the FHA, and are reimbursed for their insured losses.

2055, The lnsured Lcndcr's insured losscs incltlde, but are not lim ited to unpaid principal,

2 linterest and certain ''advances'' made by Insured Lenders like property taxes, hazard insurance,

22foreclosure costs. attorneys fees, property maintenance fees and, most notably, the Defendant HOAS'

23aSSCSSFFICDtSP fees and COstS.

2456. Specitically, the insurance benefits paid by to the lnsured Lenders in connection

25with forcclosed properties includc charges for the m aintenance and repair of mortgaged properties.

26These charges are paid by the Insured Lenders to the Defendant HOAS for the purpose of discharging

27obligations arising out of the Defendant HOAS' CC&RS (the ''HOA Cost CIaim'').

28

Page 37 of 56

1 57. Thus, in making the HOA Cost Claim to HUD, the lnsurcd Lenders m ay only m ake a

2 claim for HOA asscssments, fees and costs in an amount for which the lnsured Lcnder is obligated

3 pursuant to the recorded CC&RS of the Defendant HOAS.

4 58. Fullher, in no event may the Insured Lenders make an insurancc claim for

5 reim btlrsement for any penalties, interest and/or latc fees charged by Defendant HOAS or Debt

6 Collectors which the lnsured Lenders incun'ed aftcr thc date of the foreclosure sale.

7 59. However, for each mol-tgaged propcrty foreclosed upon by the lnsured Lenders and

8 transferred to HUD purstlant to the lnsurance Program (each such property is listed on the attachcd

9 sprcadshcet, Ex. I p 6CHI..TD REO Property Spreadsheet'') the Insured Lenders made false insurance

10 claims to HLJD (through the HOA Cost Claim) for amounts which exceed that which is permitted

1 1 pursuant to 24 CFR j 203.402 (j).

1 2 6O. Foreach such false insuranceclaim m ade foreach property identified on the HUD REO!

,n p qi j! j l 3 Property Spreadsheet, the false insurancc claim was made on HUD Form 2701 1 .?,t - k @L; -q'-' 1 $:1 4 61 l

n submitting the false insurance claim through thc HOA Cost Claim listed on HIJDé 7 j. l .i r j

ga ..,@ .kj. )!u ;( 'i' 15 Fol-m 2701 l for the properties Iisted on the HUD REO Property Spreadsheet, and in receiving thef V.t 4 )g i yj :'.@ ;;; Ii t) 16 insurance proceeds from HUD, the Insured Lendcrs violated the False Claims Act,i .1 El <.

.< i 17 The Non-lnculn'ed Collection Charue Claims

1 8 62. Upon theirforeclostlreof properties located within Defendant HoAs,plaintiff (thlwough

19 Fannie M ae and Freddie M ac,) and the M BS Trusts become ''unit owners'' as dcfincd by NRS

20 ti 1 16.095 and are therefore protected by the provisions of NRS jl 16 and provisions of Defendants'

21 CC&RS.

22 63. Further, upon the deeding of the Hl.'fD REO Properties to HUD by the lnsuredLenders

23 after foreclosure, HUD becomes a ''unit owner'' as definedby NRS jl 16.095 and is therefore protected

24 by the provisions of NRS jl 16 and provisions of Defendants' CC&RS. FannicM ae, Freddie M ac, and

25 HIJD are som etimes refcrred to herein as itGovernment Owners''.

26 64. Pursuant to NRS 'â 1 16 and provisions of Defendants' CC&RS, once they take title to

17 property located within Defendant HOAS, the Government Owners become liable to the Defendant

28 p gj g oj' 56age

&. Xa c4F. m r,- == t 'M & X

.s -- o1 fulm. :n = rr ;x 17

u ;g < z? xCD CD n % *z < =;z$ m x g; gtU > = = (cpd z û u>'

<e w g. m .u<t '-< rg rm :jJ = z - x< X

:f > m 7r+< X uu ud$

, . = ='C %' < LQ d= E-' mQ - .

X =)rX

1 HOAS for the payment of certain assessm ents, fees and costs relating to ownership of properties

2 located within the Detkndant HOAS,

3 65. Further, provisions of NRS l 16.3102 and provisions of the CC&RS under which the

4 Governmcnt Owners and the Defendant HOAS are boundpermitDefendant HOAS to impose charges

incurred by them against the Government Owners.

6 66. Upon information and belicf, Detkndant HOAS entered into agreements with Defendant

7 third pal-ty collcction agencies (''Debt Collectors'') to provide collection services to Defendant HOAS

8 (the ''Collection Agreements'') forthecollection of past due assessment obligations of the Govelmment

9 Owners.

10 67. The Debt Collectors are the authorized agcnts for Defendant HOAS and perform debt

l 1 collection services at the direction of Defendant HOAS.

12 68. However, pursuant to the Collection Agreements, Debt Collectors do not charge, bill,i

1 3 or collcct from the Defendant HOAS any collection fees and costs, but instead bill to and collect from l1

14 thc Govcl-nment Owners all such collection fees and costs. 1I

15 69. Defendant HOAS never actually incur any collection fees and costs for the Debt Ii

l 6 Collectors' collection services because such fees and costs are not the obligation of Dcfendant HOAS I

17 under the Collection Agreem ents and past practiccs betwecn thc Dcfcndant HOAS and thc Dcbt

18 Collectors.

19 7O. As a matteroflaw and contract, Defendant HOAS may not charge to aunit owner, such

20 as the Government Owncrs, collection fees and costs which have not been actually incul-red by

21 Dcfcndant HOAS.

22 7 1. Despite this prohibition, Defendant HOAS have perm itted the Debt Collectors, acting

23 on their behalf, to add these non-incurred collection fees and costs onto thc plincipal amount of the

24 alleged debt claimed to be owed by the Government Owners to Defendant HOAS.

25 72. Contrary to Defendant HOAS' practices, relevant state law (Nevada Revised Statutes

26 j116.3102(k)) permits only Defendant HOAS (not Debt Collectors) to impose charges for late

27 payment of assessm ents against the Governm ent Owners.

28

Page 39 of 56

1 73. Further, NevadaRevised Statutes j l 16.310313( 1) permits only Defcndantl-loAs (not

2 Debt Collectors) to charge the Govcrnmcnt Owncrs rcasonablc tkes to coverthecosts of collecting any

3 past due obligation.

4 74. Nevada Revised Statutes $j l 16.31031 3(3)(a) defines ''costs of collecting'' as any fee,

5 charge or cost, by whatcvcr name, including, without lim itation, any collection fee, filing ree,

6 recording fee, fee related to the preparation, recording or delivery of a lien or licn rescission, title

7 search Iien fee, bankruptcy search fee, referral fee, fee for postage or delivery and any other fee or cost

8 that Defendant HOAS charge a unit owner for the enforcement or collection of a past due obligation.

9 75. There is no provision at law which pcrmits Defendant HOAS to authorize third pm'ty

10 Dcbt Collectors to uniltttcrally assess and charge to the Government Owners any and all fees andcosts

l l that the Debt Collectors wish to chargc in thc collection of past duc obligations.

l 2 76. Trrespective or the fact that Defendant HOAS never acttlally incurrcd any collection

c6 tllq î:c 7 : p 13 fees or costs, Derendant HOAS and the Debt Collectors have sent, and continue to send to thee

ojiop:i'8 I 14 Government Owners thousands of false collection demands, notices, claims and other communicationsd krxx yrg:S < >' 'z 15 wlaerein oefendant I-loAs and the Debt collectors falsely represent tlaat oefendant HoAs have* 1 AVJ ët )>i

;I :1 .;- l u 16 incun'ed (and that, therefore, the Govelmment Owners owe to Defendant HOAS) collection fccs,Q '/ =#t1k=

''tt i 17 interest, filing fees, recording tkes, fees related to the preparation, recording or delivery of a lien or lien

18 rescissions, title scarch fecs, bankruptcy search fccs, refel-ral fces, tkes for postage or delivery, and

19 other fees or costs for the investigation, enforcement or collection of past duc assessments or other

20 obligations (the t'Non-lncul-red Collection Charges'').

21 77. ln pursuit of the Non-lncun'ed Collection Charges, Defendant HOAS and the Debt

22 Collectors have maintained thousands of alleged ''liens'' (called 'tNotice of Delinquent Assessment

23 Lien'' or t'Lien for Delinquent Assessments'' or other such titles, hereinafter ilFraudulent Liens'') and

24 Notices of Default and Notices of-l-rustee Sales tt'Ftllse Noticcs'') against the units of the Government

25 Owners based in whole or in part upon these Non-lncurred Collection Charges.

26 78. The Fraudulent Liens and False Notices are, in fact, false claims made by Defendant

27 HOAS and the Debt Collectors to the Governmcnt Owncrs.

28

Page 40 of 56

1 79. A11 such false claims, such as the Fraudulent Liens and False Notices, m ade by

2 Defendant HOAS and theDebt Collectors to the Governmentowners which dem and the Non-lncurred

3 Collection Charges misreprcsent thc true fact that no such collcction costs are permitted or have been

4 incurred by the Defendant HOAS nor were chargeable to the Govelmment Owners.

5 8O. Attached hereto is a spreadsheet indicating theFraudulent Lien andFalse Noticeclaim s,

6 the names of each Defendant HOA which made the false claim . the name of the Government Owner

7 entity upon w'hom such false claim was made the time and date the false claim was made and

8 recorded, the County Recorder's book and instrument num ber evidencing the actual false claim , and

9 the assessor's parcel number of the unit whitrh was encumbered as a result of the false claim (Ex. 2

10 t'False Claim Spreadsheet''). On each such Fraudulent Lien and False Notice, the name of the Debt

1 l Collector is evident.

12 81 . For each such Fraudulcnt Licn, False Notice and false claim subm ittcd to the8;$

.

,t1 d 7: j 13 Government Owncrs by thc Dcfcndant HOAS and the Debt Collectors, the Govelmment Owncrs have

: lj L j. j. 14 paid to Defendant HOAS and thc Dcbt Collectors the Non-lncurred Collection Chargcs. 'a$ j ;J

exzyj: j g 15 82. More specifically, on each such occasion wherein Fannie Mae or Freddie Mac eithcrjtZj/y;J :/i ..e' jj j 1 6 foreclosed or authorized a short sale upon a home secured by a Ioan within their own porlfolio (for a

JHlzm< i 17 property Iisted on the False Claim Spreadsheet) or guaranteed a lnortgage loan within an MBS Trust

X

18 which was the subject offoreclosure or short salc (forproperty listed on False Claim Sprcadsheet) the

19 Plaintiff, through F annie M ac and F rcddie M ac, relying upon the Fraudulcnt Liens, Falsc Notices and

20 false claims and dcmands of thc Dcfendant HOAS and Debt Collectors, paid out to the Dcfendant

21 HOAS and Debt Collectors, orreimbursed to the M BS Trusts funds which included the Non-lncurred

22 Collection Charges.

23 83. Thus, for each such Fraudulent Lien and False Notice as listed on the False Claim

24 Spreadsheet, Plaintiff has been the victim of Defendant HOAS' and Debt Collectors' false claim s in

25 the following ways:

26 a. Fannie M ae and Freddie M ac have paid directly to Defendant HOAS or their

27 agents, the Debt Collectors, the Non-lncurred Collection Charges as a result of

28

Page 4 l of 56

1 Defendant HOAS' falsc claim s',

2 b. Fannie M ae and Freddie M ac, as m aster servicers of the mortgage loans in the

3 M BS Trusts, have paid directly to Defendant HOAS or their agcnts, the Debt

4 Collectors, the Non-lncurred Collection Charges as a result of Defendant

5 HOAS' false claims',

6 c. Fannie M ae and Freddie M ac, as guarantor of the mortgage loans in the M BS

7 Trusts, have reim bursed the M BS Trusts for a1I payments made by the M BS

8 Trusts to Defendant HOAS or their agents, the Debt Collectors, for the Non-

9 lncurred Collection Charges as a rcstllt of Dcfcndant HOAS' false claims.

10 84, M oreover, on each such occasion wherein HIJD owned a property listed on the False

1 1 Claim Spreadsheet, the Plaintiff, relying upon the Fraudulent Liens, False Notices andfalse claim s and

12 dem ands of the Defendant HOAS and Debt Collectors, paid out to the Defendant I'IOAS and Debt!r$

.

.r.y d q a py 13 Collectors tunds which included the Non-lncurred Collection Charges,k z -: j#'y $ i.q j

. j, l 4 85. Additionally, for each such property listed on 1he l lUD REO Property Spreadsheet,s j 7:-5 ;t 7 /iz 1 ':'; 1 5 HLJD paid insurance proceeds to an lnsured Lender based upon an HOA Cost Claim submitted totjèJ 1

>CE .â :7 ..- r: 16 HUD by an lnsuled Lender which included the Non-lncurred Collection Charges.i t@ Ei ?.1 = E-.

'< i 17 86. The lnstlred Lcndm's submitted the galse insurance claims to HUD on HLTD FormX

18 2701 1.

19 87. Because the lnsured Lenders required and retained copies of the Defendant HOAS'

20 CC&RS duling the loan underwliting process and because the lnsured Lendcl's are charged with

21 knowledge of the law, the lnsured Lenders knew orshould have known that provisions of the CC&RS

22 and the Nevada Revised Statutes do not pcrmit the collection of the Non-lncurred Collection Charges.

23 88. Thus, Plaintiff has been thc victim of Defendant HOAS' and the Debt Collectors' false

24 claim s andthe false insurance claims of the lnsuredl-enders, and has paid money to Defendant HOAS

25 and Debt Collectors and the lnsured Lenders as a result of thc falsc claim s.

26

27

q 28

Page 42 of 56

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1 The Fraudulent Lien Cost Claims

2 89, Not only are Non-lncurred Collection Charges not a Iegal obligation of the Defendant

3 HOAS and, therefore not chargeable to Plaintiff, but the circumstances underwhich the Non-lncun'ed

4 Collection Charges accum ulated is both a procedural and substantive shaln.

5 90. Detkndant HOAS and the Debt Collectors have recorded against the Govelmm ent

6 Owners fugitive documents com monly refel-red to as Notice of Delinquent Assessm cnt Licn or Lien

7 for Delinquent Assessments, or such similar titles (defined above as the SiFraudulent Liens'') (see Ex.

8 2, False Claim Spreadsheet),

9 91. In each instance where the Defendant HOAS and Debt Collectors have recorded the

10 Fraudtllcnt Lien against the units of the Government Owners (in those Defendant HOAS in which the

1 l CC&RS do not authorize the public recordation of the Fraudulent Lien), Dcfcndant HOAS and Debt

12 Collectors have submitted a claim to the Government Owners of sevcral hundred dollars for the

13 preparation and recordation of the Fraudtllent Licn ('EFraudulent Lien Cost'').

l 4 92 . Thi s i s tt fal sc c l ai m .

15 93. There is no provision at law which recognizes the existence of such a docum ent as a

16 Notice of Delinquent Assessmcnt Licn or Licn for Delinquent Assessments, noris there any provision

17 at Iaw which permits the public recording or publishing of such a document, nor did the Government

l 8 Owncrs ever autholize such recording.

19 94. lnstead, pursuanttoNlks 1 16.31 l6, Dcfendant HOAS have an automatic, statutory lien

20 on every unit for any construction penalty that is imposed against the unit's owner pursuant to NRS

21 l 16.310305, any assessment levied against that tlnit or any fines imposed against the unit's owner

22 from the time the construction penalty, asscssmcnt or fine hecomes due (the Ststatutory l-ien'').

23 95. Furthcr, pursuanttoNlts 1 16.31 16(4), ''Recording of the declaration constitutes record

24 notice and perfection of the Iien. No further recordation of any claim of lien for assessment under this

25 section is required,''

26 96. Thus, what Defendant HOAS and the Debt Collectors represented as a ''Iien'' (i.e.,the

27 Fraudulent Lien for which they impose the Fraudulent Lien Cost) was, in fact, not a lien. but merely

28

Page 43 of 56

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1 a notice pursuant to NRS 116.31162 which sim ply autholizes the m ailing of a ''notice'' of delinquent

2 assessment to the Government Owners.

3 97. I-lowever, in order to chulm more fees and costs, Defendant HOAS and the Debt

4 Collectors misrepresented the fact that the Fraudulent Lien was a legal Iien, misrepresented the fact

5 thatthe NevadaRevised Statutes authorized the recording of such adocument, and m isrepresented the

6 fact the they were entitled to record such a document, alI in order to coerce the Governm ent Owners

7 into paying the Fraudulent Lien Cost.

8 98. M oreover, even though thcre is no provision at law which authorizes the drafting and

9 recording of the Fraudulent Liens, and even though the Government Owners never authorized the

10 recording of such adocument,llefendant HOAS and the Debt Collectors improperly m ade claim upon

1 1 the Governmentowners formoney to ''release'' theFraudulentl-ien (tiFraudulentl-ien Release Cost'').

1 2 99. In addition, on each such occasion wherein Fannie M ae or Freddie M ac either

13 foreclosed or authorized a short sale upon a home secured by a Ioan within their own poftfolio (for a

14 propel-ty listed on the False Claim Spreadsheet) or guarantccd a mollgagc loan within an M BS Trust

15 which was the subject of forcclosure or short sale (for property listed on False Claim Spreadshcct) the

16 Plaintiff, through Fannie M ae and Freddie M ac, relying upon the false claims and demands of the

17 Defendltnt HOAS and Debt Collectors for the Fraudulent Liens Cost and Fraudulent Lien Release

l 8 Cost, paid out to the Defendant HOAS and Debt Collectors, or reimbursed to the M BS Trusts tknds

19 which included the Fraudulent Liens Cost and Fraudulent Lien Release Cost.

20 100. Thus, foreach such Fraudulent Lien as listed on the False Claim Spreadsheet, Plaintiff

21 has been the victim of Defendant HOAS' and the Dcbt Collectors' false claims in the following ways:

22 a, Fannie M ac and Frcddie M ac have paid directly to Defendant HOAS or their

23 agents, the Debt Collectors, the Fraudulent Liens Cost and Fraudulent Lien

24 Release Cost as a result of Defendant HOAS' false claims;

25 b. Fannie M ae and Freddie M ac, as master servicers of the mollgage loans in the

26 M BS Trusts, have paid directly to Defendant HOAS or their agents, the Debt

27 Collectors, the Fraudulent Liens Cost and Fraudulent Lien Release Cost as a

28

Page 44 of 56

1 result of Defendant HOAS' false claim s;

2 c, Fannie M ae and Freddie M ac, as guarantor of the mortgage Ioans in the M BS

3 Trusts, have reimbursed the M BS Trusts for a11 paym ents lnadc by the M BS

4 Trusts to Defendant HOAS or their agents, the Debt Collectors, for the

5 Fraudulent Liens Cost and Fraudulent Lien Releasc Cost as a result of

6 Defendant HOAS' false claims.

7 101. M oreover, on each such occasion wherein HUD owned a property listed on thc False

8 Claim Spreadsheet, the Plaintiff, relying upon the false claim s and dem ands of the Defendant HOAS

9 and Debt Collectors for the Fraudtllent Liens Cost and Fraudulent Lien Release Cost, paid out to the

10 DefendantHoAs andDebtcollectors funds which includedtheFraudulcnt Liens Cost and Fraudulent

11 Lien Release Cost.

12 102, Additionally, for each such property Iisted on the HUD REO Property Spreadsheet,!1

13 11I717 paid instlrance proceeds to an Insured Lender based upon an HOA Cost Claim submittcd toa r 2 j j# & :

6 $ ! j. j. 14 HI7D by an lnsured Lender which included the Fraudulent Liens Cost and Fraudulent Lien Releasc

x ii )Je ,.1 y )! j

: 1 r 4 15 Cost,ifZ ëi E! ) g .

j :1 2,q h ri 1 6 103. The Instlred Lenders stlbmitted thc talsc insurance claims to 14UD on l lUD Fol'm2 X Z -Z R=< i t7 27011.

X

18 104. Because the lnsured I-enders required and retained copies of the Defendant HOAS'

19 CC& RS during the Ioan underwriting process and because the lnsured Lenders are charged with

20 knowledge of the law, the Insured Lenders knew or should have known that provisions of the CC&RS

21 and the Nevada Revised Statutes do not permit the collection of thc F raudulent Liens Cost and

22 Fratldulent Lien Release Cost.

23 t05. Thus, Plaintiff has been the victim of Defendant HOAS' and Debt Collectors' false

24 claims and the false insurance cjaims of the lnsuredl-enders, and has paid m oney to DefendantldoAs

25 and Debt Collectors and the lnsured Lenders as a result of the false claim s.

26

27

28

Page 45 of 56

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l The Excessive Super Priority Lien Claims

2 106. Ful-ther. Nevada Revised Statutes jl 16.31 16 governs Iiens against propel-ty located

3 within Defendant HOAS and generally states as follows:

4 a. Defendant HOAS have a statutory lien on any unit of real property Iocated

5 within their IIOAS for any assessmcnt imposed against a unit or fine imposed

6 against the Government Owners from the time the assessment or fine became

7 due;

8 b. llowever, Defendant IIOAS' lien is junior to the first seculity interest of the

9 unit's first m oftgage Iender except for a certain, limited and specified pollion

10 of the Iien as defined in Nevada Revised Statutes 'j 1 16.31 16 which remains

l 1 senior to the first security interest of the unit's first mortgage lender, provided

1 2 that Defendant HOAS had instituted an ''action'' to enforce their liens (the

l 3 ''Super Priority Lien'').

14 107. On and after October 1. 2009, the statutory tbrmula for calculating the Super Priority

15 Lien was as follows: the Iien is prior to the first security intcrest on the unit to the extent of any

16 chm'ges inctln'cd by thc HOAS on a unit pursuant to NRS 1 l 6.3 10312 and to the extent of the

17 asscssmcnts for common expenses based on the periodic budget adopted by the HO AS pursuant to

l 8 NRS l 16.3 l 15 which would have become due in the absence of acceleration duling the 9 months

19 immediately preceding institution of an action to enforcc thc Iien unless fedcral regulations adopted

20 by Fannie M ae or P'reddie M ac require a shorter pcriod of priolity for thc licn (in which case the 9

21 month period is reduced to a 6 month period).

22 108. Before Octobcr 1, 2009, the 9 month time frame cited above, was Iimited to only 6

23 months in every instance.

24 109. Further, pursuant to the Federal Home Loan M ortgage Comoration Act (l2 U.S.C.A.

25 j 1455), Freddie M ac may by regulation or by writing establish prohibitions or restrictions upon the

26 creation of the indebtedness or obligations ofFreddie M ac, including Iiens or charges upon property

27 of Freddie M ac,

28

Page 46 of 56

l 1 I0. 80th Fannie M ac and Freddie M ac have adopted underwriting guidelines which limit

2 Dcfcndants' Super Priority Lien to an amount not exceeding 6 months of assessments.

3 1 1 1 . After the date upcm which the Governm ent Owners became the legal owners of the

4 units (i.e., the date of the trustee's sale offirst mortgagc lcnder) on each of thousands of instances over

5 the Iast several years (as more particularly evidenced of the False Claim Spreadsheetls Defendant

6 HOAS and the Debt Collectors have improperly claimed, demanded and obtained m onies from the

7 Govem m ent Owners in the following m anner:

8 a. Homeowners, owning a unit of real property within the Defendants become

9 dclinquent (''Delinquent Homeowners'') in the payment of their association

10 assessments andotherfees andcharges ('rl-lomeowners' PastDue Obligations'')

1 1 and also default on their first mol-tgages;

12 b. The Homcowners' Past Due Obligations constitute a Statutory Lien on the

1 13 oelinquent uomcowners' unit pursuant to xRs jll6,3ll6.,. jtgy=

# ï 7 yT#- q k , , . jae$ f ë x 14 c. Due to the Delinquent Homeowncrs inability to pay theil first mortgages, t

x n ) j. $.:D .7 J @/ , - ,

: é . % T.j 15 Delinquent Homeowners first mortgage Ienders or purchascrs ot the lenders

.et j tk Aa j:/j ri ,;j j @j 16 loan (i.e., Fannie Mae, Freddie Mac or the MBS Trusts) foreclose on' the1:3/2-4 ï 17 Delinquent Homeowners' unit;

18 d. At the foreclosure auction, Fannie M ae, Freddie M ac, the M BS Trusts or the

19 Instlred Lenders take title to the subject units via a trustee's sale deed',

20 e. At the moment thc foreclosure auction concludes on a subject unit, pursuant to

21 NRS âl 16.31 l 6, the Defendant HOAS' Stattltory Licn against the unit for the

22 Homeowners' Past Due Obligations becomcs extinguished, but for the Super

23 Priority Lien, i f any ',

24 f. lnstead of informing the Government Owners (who either obtain title at the

25 foreclosure auctions, or are deeded properties that the lnsured Lenders obtain

26 at the foreclosure auctions) that Detkndant HOAS' Statutory Lien has been

27 extinguished due to the foreclosure auction, and that only the Super Priority

28

Page 47 of 56


1 Lien was due (if any), Defendant HOAS and theDebtcollectors issue false and

2 inaccurate dem ands and claims to the Government Owners for hundreds or

3 thousands of dollars in excess or any amount permitted under NRS 116.31 16

4 and the CC& RS, often including a11 those amounts owed by the original

5 Delinqucnt Homcowncr (the ttExcessive Super Priolity Lien Amotlnts''l;

6 g. Defendant HOAS and the Debt Collectors make false claims to the

7 Government Owners (morc particularly evidenced in the False Claim

8 Spreadsheet) which include that the Defendant HOAS and Debt Collectors

9 have the legal right to collect and receive from the Government Owners the

10 Excessive Supcr Priolity Lien Amounts whcn, as a matter of Iaw, they do not;

l l h. Such dem ands, claims and representations are inaccurate becausc the

12 Govelmment Owners do not owe the Excessive Super Pliority Lien Amounts.!S

,

.F; 1 gj # s 13 The Statutory Liens which comprised the Homeowners Past Due Obligations

@ lj r x 14 were extinguished as against the Government Owners and the units as a matterx r f g. k9 -J z' '

,',, ' 15 of Iaw (xlts j.l 16

.31 I6) as a result of the Government owners' and Insured2 k ë

u:s t; l ( 16 Lenders' foreclosure auctions, Jeaving only the Iilnited Super Priority Liens, ifl :t1 i .:( '- 'u

'et @ 17 any;X

18 i. Defcndant HOAS and the Debt Collectors fail and rcfusc to coln.cct their false

19 representations, demands and claim s and encumber (he Government Owners'

20 units with the Fraudulent Liens;

21 j. Under unlawful threat of the continuing clouds on their title and issuance of

22 false claim s and demands by Defendant HOAS and the Debt Collectors, the

23 Government Owners are forccd to pay thc Excessivc Super Priority Lien

24 Amounts.

25 112. By repeatedly employing this very scheme thousands of times over the Iast several

26 years, Defendant HOAS and the Debt Collectors havc m ade false claims to the Government Owners

27 for monies that were not owed and to which Defendant HOAS and the Debt Collectors had no legal

28

Page 48 of 56


1 entitlem ent.

2 1 l3. Ful-ther, pursuantto NRS j I 16,3116, before any amountscomprisingthe Superpriority

3 Licn may becomc duc, Dcfcndant HOAS are required to file a civil action to enforce collection of their

4 Statutory Lien. Howevcr, in m any or all instances above described, the Super Priority Lien did not

5 exist because Defendant HOAS failed to file a civil action to entbrce their lien.

6 1 14. Nonetheless, on thousands of separate occasions (as evidenced by the False Claim

7 Spreadshcet), Defendant HOAS andDcbt Collcctors improperly claimed, demanded and receivedfrom

8 the Govelmment Owners monies falsely claimed as a Super Priority Lien Amotlnt to which neither

9 Defendant HOAS nor the Debt Collectors were entitled.

10 1 15. In additiona on each such occasion wherein Fannie M ae or Freddic M ac either

1 1 foreclosed or authorized a shol-t sale upon a home secured by a Ioan within their own portfolio (for a

12 property listed on the False Claim Spreadsheet) or guaranteed a mortgage loan within an MBS Trusth;u

.

.q j u s j 13 which was thc subjcct ot foreclosurc or short sale (for propelly listed on False Claim Spreadsheet) the.7 - # E *%....-E !! é -E' 2 14 plaintiff, through Fannie Mae and Freddie Mac, relying upon the false claims and demands of theîravkexy/yk g t;' xj l 5 Defendant HOAS for the Excessive Super Priolity Lien Amounts, paid out to the Dcfcndant HOASt

:Zjg E:a ..> 1 j 16 or reimbursed to the MBS Trusts funds w'hich included the Excessive Stlpcr Priority Lien Amounts.I

u,y ti u:1 = E-.< E 17 1 16. Thus, for each such Fraudulent Lien and False Notice as listed on the False Claim

18 Spreadsheet, Plaintiff has been the victim of Defendant HOAS' and Debt Collectors' false claim s in

19 thc following ways:

20 a. Fannie M ae and Freddie M ac have paid directly to Defendant HOAS or their

21 agentsa the Debt Collectors, the Excessive Super Priority Lien Am ounts as a

22 result of Defendant HOAS' false claim s;

23 b. Fannie M ae and Freddie M ac, as master servicers of the mortgage loans in the

24 M BS Trusts, havc paid directly to Dcfendant HOAS or their agents, the Debt

25 Collectors, theExcessive Superpriority Lien Amounts as aresultof Defendant

26 HOAS' false claims;

27 c. Fannie M ae and Freddie M ac, as guarantor of the mortgage loans in the M BS

28

Page 49 of 56

1 Trusts, havc reimburscd the M BS Trusts for al1 payments made by the M BS


3 Excessive Super Priority Lien Amounts as a rcsult of Dcfendant HOAS' false

4 claims.

5 l 17. M oreover, on each such occasion w'herein HUD owned a property Iisted on the False

6 Claim Spreadsheet, the Plaintiff, rclying upon the false claims and demands of the Defendant HOAS

7 and the Debt Collectors for the Excessive Super Priority Lien Amounts paid out to the Defendant

8 HOAS and Dcbt Collectors funds which included the Excessive Super Priority Lien Amounts.

9 l 1 8. Additionally, for each such property listed on the HUD REO Propclly Spreadsheet,

10 1-11717 paid insurance proceeds to an Insured Lender based upon an HOA Cost Claim submitted to

1 1 HU D by an lnsured Lender which included the Excessive Super Priority Lien Amounts.

12 1 l9. The lnsured Lenders submitted the false insurance claim s to HI7D on HUD Form!u

.t 1 L: j j 13 2701 1.g' ,s )! g j

. y. 14 120. secause the lnsured t-enders required and retained copies of the Defendant HOASa j 7- '

.'ë / h' 7 15 ccaRs d

uring the loan underwriting process and because the Insured Lendcrs are charged witla: t q q.1 1 it jq

.:.î 16 knowledge ogthe law- the Insuredt-enders knew orshould have known that provisions of the CC&RS,7 - 1 rl

.-t ï 17 and the xevada Revised statutes do not permit the collection of the Excessive supcr Priority Lien

18 Amounts.

19 12l . Thus, Plaintiff has been the victim of Defendant HOAS' and the Debt Collectors' false

20 claims and the false insurance claim s of the lnsured Lenders, and has paid m oney to Defendant HOAS

2 1 and the lnsured Lenders as a result of the false claims.

22 The Excessive CC&R Amount Claim s

23 122. Defendant HOAS' CC&RS contain provisions (''Mortgagee Protection Provisions'')

24 whereby the Defendant HOAS' assessment liens are subordinate to the Government Owners' and the

25 lnsured Lenders' first m ortgage loan and are extinguished by the foreclosure of a first mortgage loan

26 but for a Iimited num ber of monthly assessm ents, if any.

27

28

Page 50 of 56


l 123. However, Defendant HOAS andtheDebt Collectors claim , dem andandcollectm onies

2 from the Governm ent Owners that, pursuant to the M ol-tgagee Protection Provisions, have becn

3 extinguished by the trustee's sale of the Government Owners and the lnsurcd Lcndcrs (''Exccssivc

4 CC&R Amounts'.),

5 124. These are false claims.

6 125, As more specit-ically detailed in the False Claim Spreadsheet, after transfer to the

7 Government Owners or the lnsured Lenders of the residential units at foreclostlre, Defendant IIOAS

8 and the Debt Collectors have, on each of thousands ot-instances overthe Iast sevcral years, impropcrly

9 demandcd and obtained monies from the Government Owners by dem anding and collccting the

10 Excessive CC&R Amounts.

1 I l 26. Instead of informing the Govcrnment Owners that only a lim ited number of m onthly

1 2 assessments were due. if any, pursuant to the M ortgage Protection Provisions of the CC&RS,

;:5E-d g 2: j j 13 Defendant HOAS andtheDcbt Collectors issued ralse claims anddemandsto the Govelmmentowners6 y k rj y

,yb $ 1 r,@ 14 for hundreds or thousands of dollars in excess of any amount permitted under the CC&RS.î ;r,:

9;,, 7 ,% ; 'iè' j 15 127, As mole particularly evidenced on the False Claim Spreadsheet, Defendant HOAS and4 ,J j i

a '.5 ! 16 the Debt collcctors misrepresented to the Govelmment Owners that Defendants have the legal right? uuC1H= s =

-et Y 17 to dcmand, collect and receive from the Govelmment Owners the Excessive CC&R Amounts when,

18 pursuant to the M ortgagee Protection Provisions of the CC& RS, they did not.

I 19 128. The Excessive CC&R Amounts were extinguished as against the Govelmm ent Owners

. 20 and the lnsuredLenders pursutmt to thc M ollgagee Protection Provisions of the CC&RS atforeclosure

21 and were not due and owing from Government Owners.

22 129, Under unlawful thrcats of the continuing clouds on their title and issuance of false

23 claims and dcmands such as the Fraudulent Liens and False Notices, the Government Owncrs have

24 becn forced to pay the Excessive CC&R Amounts to the Defendant HOAS and the Debt Collectors.

25 130. By repeatedly cmploying this very scheme thousands of times over the last several

26 years, Defendant HOAS and the Debt Collectors have obtained monies comprising the Excessive

27 CC&R Amounts which the Governm ent Owners did not owe, and to which Defcndant HOAS and the

28

Page 51 of 56


1 Debt Collectors were not legally entitled.

2 131 . Thus, Defendant HOAS' and the Debt Collectors' false demand, claim and collection

3 of Excessive CC&R Amounts violated the False Claim s Act.

4 132. ln addition, on each such occasion wherein Fannie M ae or Freddic M ac cither

5 foreclosed or authorized a sholl salc upon a homc securcd by a loan within their own porttblio (for a

6 property listed on tbe False Claim Spreadsheet) or guaranteed a mortgage loan within an M BS Trust

7 w'hich was the sulzject of foreclosure or shol-tsale (for property listed on False Claim Spreadsheet) the

8 Plaintit-f, through Fannie M ae and Freddie M ac, relying upon the false claims and dem ands of the

9 Defendant HOAS and the Debt Collectors for the Excessive CC&R Amountso paid out to the

10 Defendant HOAS and the Debt Collectors, orreimbursed to the M BS Trusts funds which included the

1 l Excessive CC&R Amotlnts.

12 133. Thus, for each such Fraudulent Lien and False Notice as listed on the False Claim!! L: 13 Spreadsheet, Plaintiff has been the victim of Defendant HOAS' and the Debt Collectors' false claimsa 1 h I

z.;j k z r,,ygy rj L &.? 14 in the following ways:

xrrgke&: ,iz 1, 15 a

. Fannic Mae and Freddic Mac have paid directly to Defendant HOAS or theirjtgfZta E1 ( l 6 agcnts

, thc Dcbt Collectors, the Excessi ve CC&.R Amounts as a result ofl 'C tl k1 Y Z F- m'''t E 17 Defendant HOAS' false claims;

l 8 b. Fannie M ae and Freddie M ac, as m aster servicers of the mortgage loans in the

l 9 M BS Trusts, have paid directly to Defendant HOAS or their agents, the Debt

20 Collectors, the Excessive CC& R Amounts as a result of Defcndant HOAS'

2 1 false clai ms;

22 c. Fannie M ae and Frcddie M ac, as guarantor of the mortgage loans in the M BS

23 Trusts, have reimbursed the M BS Trusts for aII payments made by the M BS


25 Excessive CC& R Amounts as a result ofDefendant HOAS' tklse claim s.

26 134. M oreover, on each such occasion wherein HIJD owned a propelly listed on the False

27 Claim Spreadsheet, the Plaintiff, relying upon the false claim s and demands of the Defendant HOAS

28

Page 52 of 56


C. Xa f'MF. fo r-- com t - ca Tr

-) - rxt .u;mn :z) = q. spXku ;J < Tr a/o ;D a qg kx Z < mms v g! t';lC =

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1 and the Debt Collectors for the Excessive CC&R Amounts paid out to the Defendant HOAS and the

2 Debt Collectors funds which included the Excessive CC& R Amounts.

3 135, Additionally, for each such propelly listed on the HUD REO Propel'ty Spreadsheet,

4 HI.JD paid insurance proceeds to an lnsured Lender based upon an HOA Cost Claim submitted to

5 HUD by an lnsured Lender which included the Excessive CC&R Amounts.

6 136. Thc lnsurcd Lcndcrs stlbmittcd the false instlrance claims to HUD on HUD Form

7 270 l 1 .

8 137. Because the Instlred Lenders required and retained copies of the Defendant HOAS'

9 CC&RS during the loan underwliting process and because the lnsured Lenders are charged with

10 knowledge of the law , the lnsured Lenders knew or should have known that provisions of the CC&RS

l l and the Nevada Revised Statutes do not perm it the collection of the Excessive CC&R Amounts.

12 138. Thus, Plaintiff has been the victim ofDefendant HOAS' and the Debt Collectors' false

13 claims and the false insurance claim s ofthe lnsuredl-enders. and has paid money to Degendant HOAS.

14 the Debt Collectors and the Insured Lenders as a result of the false claims.

15 COUNT 1: VIOLATIONS OF 31 U.S.C. j 3729

16 (False Claims of Defendant HOAS and the Debt Collectors)

17 139. Relators incorporate each and every paragraph of this com plaint as though fully set

18 forth herein,

19 140. Relators seek a recovery on behalf of the United States, for all false claim s subm itted

20 to Fannic M ae and Freddie M ac (as plincipals and ms master servicer and guarantor of the mortgage

21 loans ofthe MBS Trtlsts,) and submittedto HLJD forthe Non-lncurredcollection Charges, Fraudulent

22 Lien Costs. Fraudulent Lien Release Costs, Excessive Super Pliority Lien Amotlnts, and Excessive

23 CC&R Am ounts.

24 141. ln each instance as listed on the attached False Claim Spreadsheet. Plaintiff paid out

25 to Defendant HOAS and the Debt Collectors, or reimbursed the M BS Trusts monies based upon

26 Defendant HOAS' and the Debt Collectors' false claims.

27

28

Page 53 of 56

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l 142. For each claim submitted to Fannie M ae and Freddie M ac (as principals and as

2 guarantor and master servicer of the mortgage loans of the MBS Trusts,) and submitted to HUD based

3 upon Non-lncurred Collection Charges, Fraudulent Lien Costs, Fraudulent Lien Release Costs,

4 Excessive Superlhiolity Lien Amounts, and Excessive CC&R Amounts, Defendant HOAS and Debt

5 Collectors knowingly caused a false claim to bc prescnted to Plaintiff within the meaning of 31 IJ.S.C.

6 j 3729(a)(l).

7 143. For each such false claim to Plaintiff for the Non-lncurred Collection Charges,

8 Fraudulent Lien Costs, Fraudulent Lien Release Costs, Excessive Super Priority Lien Amounts, and

9 Excessive CC&R Am ounts, Defendantl-loAs andDcbtcollectors knew, wilfully blindedthemselves,

10 antl/or recklessly failed to discover that the Non-lncurred Collection Charges, Fraudulent Lien Costs,

1 1 Fraudulent Lien Release Costs, Excessive Super Priolity Lien Amounts, and Exccssive CC&R

12 Am ounts were false and ineligible for paym ent by Plaintiff.

13 144. Defendant HOAS andDebt Collectors therefore knew that theclaim and sttttement was

14 false or fratldulent within the mcaning of 31 U.S.C. #3729(b), and caused the submission of that falsc

l 5 claim within the meaning of j (a)(I) and the making of a false celIification within the meaning of j

16 (a)(2).

17 145. Further, Defendant HOAS, being the principal of their agents, thc Debt Collectors,

18 acted in concert with the Debt Collectors, and intended to accomplish the unlawful objective as

19 described supra for the pul-pose of harnling the Plaintiff. Therefore, Defendant HOAS and Debt

20 Collectors violated 31 U.S.C. j3729(a)(l)( c).

21 146. Defendant HOAS and Debt Collcctors are Iiable in this action for civil penalty of not

22 less than $5.000 and not more than $10,000, plus 3 times the amount of damages which the Plaintiff

23 sustained because of the acts as described herein.

24 COUNT II: VIOLATIONS OF 31 U.S.C. 9 3729

25 (False Claims of Insured Lenders)

26 147. Relators incorporate each and every paragraph of this complaint as though gully set

27 forth herein.

28

Page 54 of 56

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1 1 48. Relators seek a recovel'y on behalf of the United States, for all falsc insurance claims

2 submitted to the FHA or HUD for each property identitied on the HUD REO Property Spreadsheet

3 which said falsc insurance claim s includes the Non-lncurred Collection Charges, Fraudulent Lien

4 Costs, Fraudulent Lien Release Costs, Excessive Superpriority Lien Amounts, and Excessive CC&R

5 Amounts.

6 149. ln each instance when the lnsuredl-endersubmitted such false insurance claim foreach

7 property identified on the HUD REO Propefty Spreadsheet, Plaintiff paid out to the Insured Lender

8 insurance proceeds based upon the lnsured Lenders; false insurance claims.

9 150. Foreach false insurance claim subm itted tothe FHA OI-HUD based upon Non-lncurred

l 0 Collection Chargcs, Fraudulent Lien Costs, Fraudulent Lien Release Costs, Excessive Super Priority

1 1 Licn Amounts, and Excessive CC&R Amounts, the lnsured Lenders knowingly caused a false claim

12 to bc presented to Plaintiff within the meaning of 31 U.S.C. $j 3729(a)(I).

13 15l . Because the Insured Lenders required and retained copies of the Defendant HOAS'

14 CC&RS during the loan underwliting process and because the lnsured l-enders are charged with

15 knowledge of the law, the Insured Lenders kncw or should have know'n that provisions of the CC&RS

16 and the Nevada Revised Statutes do not permit the collection by the Defendant HOAS of the

17 Non-lncul-red Collection Charges, Fraudulent Lien Costs, Fraudulent Lien Release Costs, Excessive

18 Super Priority Lien Am ounts, and Excessive CC&R Am ounts.

19 152. Theretbre, for each such false insurance claim submitted to Plaintiff for the

20 Non-lnctlln-ed Collection Charges, Fraudulent Lien Costs, Fraudulent Lien Release Costs, Excessive

21 Super Priority Lien Amounts, and Excessive CC&R Amounts, the lnsured Lenders knew, wilfully

22 blinded them selves, antl/or recklessly failcd to discovcr that the Non-lncurred Collection Charges,

23 Fraudulent Lien Costs, Fraudulent Lien Release Costs, Exccssivc Super Priority Lien Amounts, and

24 Excessive CC& R Am ounts were false and ineligible for paymcnt by Plaintiff.

25 153. The lnsured Lenders therefore knew that the insurance claims were false or fraudulent

26 within the meaning of 31 U.S.C. j3729(b), and caused the submission of the false claims within the

27 meaning of j (a)(l) and the making of a false certification within the meaning of j (a)(2).

28

Page 55 of 56

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l 154. The Insured Lenders are liable in this action for civil penalty of not Iess than $5,000

2 and not more than $10,000, plus 3 timcs the amount of damages which the Plaintiff sustained because

3 of the acts as described herein.

4 W HEREFORE, the UNITED STATES of AM ERICA on relation of JAM ES R. ADAM S and

5 PUOY K. PREMsRllturrrespectfully demandjudgement against Dcfcndant HOAS, Debt Collectors

6 and the lnsured Lenders awarding treble the damages to the governmcnt, a penalty of $ 10,000 for each

7 false claim , a1l attolmeys fees and costs incun-ed in pursuing this action and any and aI1 other relief

8 which the Court deems proper. Relators fullher respectfully dem ands that the Court award them 30%

9 of any recovery to the governmcnt in this suit.

10 Dated this 'Y day of April, 201 1.

1 l ADA OUP, .

l 2 Z

13 . '' ' -. ADAM S, ESQ.

14 Nevada Bar No. 6874ASSLY SAYYAR, ESQ.

15 Nevada Bar No. 9178868 1 W . Sahara Ave, Suitc 280

16 Las Vegas, Nevada 89l 17(702) 838-7200

17 (702) 838-3636 [email protected]

18 assly@ adamslawgroup.coln

t9 PUOY K. PREMSRIRUT, ESQ., INC.Puoy K. Prem srirut, Esq.

20 Nevada Bar No. 71 41520 S. Fourth Street, 2nd Floor

21 Las Vegas, NV 89101(702) 384-5563

22 (702)-385-1752 Faxppj'elnsl'io t@ brownlawlv.com

23 Attorneysm elators

24

25

26

27

28

Page 56 of 56

E X H IB IT 1


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0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0> > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > >= = = = = R = = K = = = = = = = = = = A K X c X c X X X c c X K X X X X c c X c X c c c c K c Z Z =m œ m * = m = = m m œ œ = œ * * * < * * m * * œ < < < * * < < * * * < * * * * * < * * œ * * = œ * œm œ * * = m = * m * œ œ M = m * * œ * * m * * œ œ < * * * œ * * * * * * * * = O * * * < * * O R * œm m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m Gm m m m m m m m m m m m m m m m m m m m m m m x m m m m m m x m m m m x x x x x x x x x x x m m m m onG G G G S G G S G S E S E G G S G S S G G G G G G G S G G S G G G G G G G G G G S S G S G G G G G S ;D Q O Q Z Q Q Q P Q Q O Q Q P Q Q O O Q Q Q D Q Q I D D Q Q Q Q D Q D Q Q Q Q Q Z Q Q D Z Q Q Q Q Q OX X A A X K X A K X C X C K K K K K K R R R R R X R R R A R A R R R X X X R X X X R X X X K X R X R X

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U U U U U U U U U U U U U U U U U U X U U U U U U X U U U O O U U U Um m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m< < < < < < < < < < < < < X < < X < < < < < < < < < < < < < < < < < <

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< < < < < > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > >m m m K m D m R R X X R Z R X R R R X R R R R X R X R A R A A R H A R R A A R R R A R H R R A R H M

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c Ut X @) 'Q Qn tn D O O O D O O O & C) D & & & c C7 & C) & D C) C & CJ & & & c C & & & c & & C) & & (D & c to ka chc +a FM C c) C D - - - e' ho C c c & CD C Cb c) C c CD C CD C7 c c c c CD o (D D c C) o c c c D (D cp D CD c) c) CD FM pn z- NJ K3 .> < X +* K3 M 9= & O @) * @) m m m C* < '< 'Q '< -1 W G1 q) c) k9 x1 < Nl Nl * cA & Ln tn W .> 41 > 71 to ro N4 NJ - N> NJc - >œ c >= c hu >> +a yM >= D u) tu hu bn >= c (D y) ua y= >= C7 & hu i= & & s) x) e. & to N) sg += >= ya >= pn & CD pn pu & & ya ho y= M'< N) Cy > '< F= > ci c NJ ba W > > c kD tr kp >. & D M N) m D7 GJ V Lu tr (p CD hu to D G1 y= >= >= '< tn Ln tn Lq D @D hu N) & FM (n &C & & & CD & D & C) & & D & c C) & & & & & & c & & & C C7 D C O C D C O O c D C c c CD C7 & CD CD D O D D O crc D & c O O D O O CD D D O c & D CD & D & & CD & & & & (D & & CD (D & C & C) & & c c C & & CD & & & C & D & mc C D O O c D O C7 CD O O O O O O CD c & & c C7 O D & & CD & & c CD & O & C & D c c c & & & C & & & & D & >NJ > to tr > NJ F= G; F= W G) D o c & N) M) z> KJ bu c NJ FM FM Q. c ma hu hu Nu hu D BJ D Na hu LD G) Nu CD D c D s= C7 ua >= tr Na GJN) yM tD tn kr yM W QD tn (r & - NJ c bu kD kp kr kD W C CD tn N4 kn - NJ N1 w< CD m rn m K) '< kD Nl v< c kr ts m <r & > > œ tn BJ 8m.> - ho GJ X & hD tn (X >= (D to N) & - GJ G) Ln NJ to '< tn Qn W & tn ha kD W c: to BJ Tx tr Na tr a) œ Fn ts tn '< Nl W kn W 07 W << œLn CD F= Nl Cn Uh Ln m < '< w c N) (> m Ln ch D o ua c cn Ln to zx c (r tr '< to Cb Nu ea Cn kn kr '< œ GJ Ln m tn & tn > Cn œ ch D GJ

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c m c o o a e o c c o o o c c c o o o n c m> > > > > > > > > > > > > > > > > > > > > > nD m & & 1 & * D O O D D D c D D O D O O & M am m m m m m m m m m m m m m m m m m m m m m- - - - - - - - - - - - - - - - ;X X X K E Y S R A R R X X R E Y Z X R K X X =n n n n n n n o n n n n n n n o o o o o o c œ

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o o o o o o m m m m m m m m m m m m m M M m m o D o o o o o o o o o o o o o o o o o o o o c o o o oc c c c c c O O O O O O O O O O X O O O O O OD D = D D X X D D D X D X X D X X G G G G G G G G G G G G G U U G G U U U U U U G G G GK K K K K K m m m m m m m m m m m m m m m m m M œ = M œ œ O * * M * * = K K K K K K K K K K K K P KR R A X X R M M M M O M M M M M M O M O O O O - - V - - - - - - - - - -Z Z K K K K K K A A A K R R R R R A A A A R A Z A Ko o o a a & > > > > > > > > > > > > > > > > > o o o o o a o o o c c c o c& & & & & & & & & & & & &x x x m x m m x m m m m m x x m m> > > > > > < < < < < < < < < < < < < < < < < > > > > > > > > > > > > > > > > > > > > > > > > > > >H R W H X W O O O O O O O Q Q O Q O O O O O O H H X H H H X X X H X X H H R H R R H H Z X H R H R MD c U c U c = m = = = m m m = = m = = = = m m c c c U U U U U U c U U U O X O O c U U D U X U U U Uc c c c c c x m c x x x œ x x x x x x x x x c c c c c c c c c c c c c c c c c c c c c c c c c c c cm m m m m m o o o o o o o o o o o o o o o o o x m m m m m m m m m m m m m m m m m m m m m m m m m mW X W W G X C G X C C C C X X C C X X X G G X X X X X X X X O O X W G X X W W W W W X X W W W W W W> > > > > > K m K r 1 1 z K K m m K K K K m z > > > > > > > > > > > > > > > > > > > > > > > > > > >= = = = = = = = A = R = = R R = = = R R = = = = R R R R = = = = =K = = H = = = = = A A = = = = = =O U U U U U D O O D D D D D O D D D D O I Q D U U U U U U U U U U U X U U O O U O U U U O O O U U Um m m m m m m m m m m m m m m m m x m m m m m m m m m m m m m m m< < < < < < > > > > > > > > > > > > > > > > > < < < < < < < < < < < < < < < < < < < < < < < < < < <m m m v m x x x x x x x x x x x x x r x x c m m m m m m m m m m m m m m m m m m m m m m mW = = = = o = c = c = c c = = D D D D = D c = = = = = = = = = G = = = = = = = = = M = = = F V W V =UO O D O O O O O O Q O O O O O Q O O O O O O O O O O D O O O O O O L

œ w w m w o w = m m œ œ m w m w w œ-M

-M

-m -m -m -M > > > > > > > > > > > > > > > > > m m = M m M M M m m m = = O m M X M m M = M m = m m mC A C A A K A A R R R A K R X R A X X R X R R H H K H H R Z R X H R R H R R R A A R A R R R X R R R B

c c c D c D D D D D D c D U = = =m m m m m m m m m m m m m m m m m i i ; ï k< < < < < < < < < < < < < < < < < > > > > >

O O O C O Q O O O O O O O O O O O - - - - -x = D Y r r = = = = = = Y Y x Y Y K C Z Z ZI I K I I K I K K I I I I I I Z X O G & 0 0m m M M M M MX R K M K R K R A R A A A A R K K O 0 0 0 0

o c c O

& c & D c D D M & & & & & > & & & & D O D & c & & & c D O c Y & M D & c O O D O D O O O D O O G & H XD c & & & D - & - - - - - c - - - - > - > > > * * > > > > > O c c > > > > > > > O c > H - - - * e &c * * c œ X D > c & O c O > c & & & & & O O O - - - - - - - - - - - e H > e e D X X & & c D & c & > O

- = m o o œ - œ > H - > x x œ o > H x x > > O = > - > o > = œ œ œ = = O œ W > > > - W > > & > - - *b KJ b Lh i5 k'y ;A oa' ' k'> kk 'u;' th *F=' i5 bh kk b' bb b b' L' ùh à'x b kl UL Lö i;à b 'en' b i% i5 >' ;Q Uh V) bb UJ D1 Yx i5 Ul t4 b i5 D kb b bbc w - c M X œ œ œ m o o Y c o o - o m m o Y c œ o œ o - c o G G - < c c < x o c œ m c Y o m = G m m

C CD C7 (D D CD C) CD Ct (D CD O C) GD O O C) C) C7 O C1 CD CD CD C) C) CD CD CD C7 CD CD C O C O CD C) O C O C> O CD O CD O (D CD C)kD to kD kD ko tD C CD & (D CD C) D C) C) C) C) CD C) C) O C7 CD b= bc bn bc bc be >* b= b= +* 94 > FM 90 90 FM CD tD O Cl CD C C) C O C3 O rDD CD C7 CD (Z7 C) cl CD CD C3 CD CD CD CD C C3 C7 C3 O CD O C c) D c) CD D c) CD c) CD C c) c C (D C) O C) - CD CD - - - b= >= #= bn >= cxl m ch Jb tn u/ to ko tD tr kg m * '< (D 7x .> tu tr GJ NJ >/ be 2% GJ 12 tM Lo LD G) GJ LD NJ KJ O K2 M) 9M FM NJ Nd K2 NJ NJ NJ NJ NJ +* CD Oba F= - C N) += D & CD D CD bM +* CD $a Kl C) i= > C7 CD CD NJ O G; LD KJ N2 C7 (D CD CD FM FM PA FM C) FM FM NJ FM P4 14 > +* C) O CJ NJ C3 Usa w (D (r Cn hu $o m Nl '< '< ko :4 :0 bn >= pn m pn NJ fr tn ' J4 e' C C7 ho NJ kD Fa - F= (2 < '< < LD (D c) '< C5 << y) tr ko kD 'G Nà - < HC) C7 (D (D CD CD O D C) C7 c) C CD C) C7 c O O e C3 & & CD C7 (D CD & C CD CD CD C7 (D CD CD CD C) C) D & CD O C) C) Ch CD C CD C7 O (:rC C) (D c) (D (D (D CD (D C CD CD & & C) c C) C) (D C) D C) CD CD C) D C7 C) CD CD D CD CD CD C CD CD CD Cl CD CD O O (D Ch C) O C5 C O %CD CD O CD C) C) D C) CD D & D & CD C) D C) D C) C) CD C C7 (D C C) Ct (D O CD CD CD C7 TJ CD CD C3 Cl C CD CD CD CD O CD CD O CD C OBJ NJ GJ Ct tD x1 kD F= .> GJ 05 05 W1 & Gh NJ H' c c tn W +' CD $u QD tD C7 & Cb Cb N1 NJ C) X QO CO tD GJ QD NJ 'Q tD Cb (D QJ CD FO m Nl tD- 4x T' W ko '< NJ Fc N) tn @) NJ tD tn *. C% '< & tu ta D 05 kD C) bn D 2N tD Lo Ln Jb > Ln Tb NJ QD Nl (75 LN tal LD 62 Cn tu Nl .> tr W N1 UD- @) 4% o m .N NJ Ln to TJ GD tn L/ tD '< TN NJ = O < NJ NJ 70 CD tm < > kD NJ > T> 13 CD NJ N/ F* C) %r NJ FM NJ .> .> '< Nl tn bu CD O G1

C1

T F Y r IW P T F Y P P P P T Y P T P T T P P T T T P P T C T T P P T P N T T P P N Y C P C P T P P PP N T X A T T O T C W P P T T T W Y T T P P X M T P P T T P C W P T P P P T T P T T Y Y T P T T P T Om w o m y o m l = - m - w w w w y - m - m - w w w x o o o w - - a - w a w o w w - - w m a o m w a x xW P N P C Y P P Y T T P P T P T T C Y T P X T Y M P M P P T P P Y P Y N T T F T P P Y P F T F P T C YY

I

fk 'Qi * ik c: c: ii * * * * * * * '*'' *'' X d; ' '4k' 4i' E: ff .'*2' '* 'Si ' Si *' * * *i ïi' 41 *: ài * i'i * ' *: '* '* * ' kk '*' '*' *' ''*' ïi' '*' if '4k 'P.i= = R = R = R R R R R % R R % R > * % R > % % = < = R R % = = > x % x R A = = % = R > m % % R R R %cc c c c c c M M M M M M M M M M M o M M H M O M o M M M M R m o e O m O O M m m * œ O o O O O e O *

œ * * œ o y > > > > > > > > > > > > > > > > > > > > > > > c c c c c c c c c c c c c c c c c c c c c< < < < < < < < < < < < < < < < < < < < < < < x a x x x = x = x x x z a a = x x c c c xm m m m m c c c c c r = = = = = v c v = = = r => > > > > W R C O C M M M M M M M M O O M M M M M M M M M M O> o o o o o o o o o o o o o o o o o c o o o o o m x x x x x x x x w x x m m m m x x x x xA X X A R x x x x x x x x x x x m m m m x m m m x x x x= C c c c c c c c c c c c c c c c c c c c cW M W R M

m m œ œ w m œ œ œ œ x m m m m m m œ m œ m m * m = e = R * œ - = = m * m - * * œ œ e mm mc a cc c o m m m m m m m m m m m m m m m m m m m m m m m - u - - - - u - - - - - - - - u - - - - -> > > > > = > > > > > > > > > > > > > > > > > > > > > > >> = A a X = A = X = X = = = X = X X Z Z K X = = K K K K K K K K Q K K K K Q K K K K K K K,

o o o o o o o o o o o o o o o o o o o o oo o p p p p p p P p m m o O P e o o p p > p p pm x x x x x x x x x x x m m m m m x m x x& & O 1 D & & D Q O & & O & D & & & & & &>

m X X K X W X X X 1 X X X X X m = X X 1 X K X X > > > > > > > > > > > > > > > > > > > > > a> N Q - N - Q Q Q - A A A Q N N N Q V - Q - Q Q M M D D I O O I / I Q O O O O O O O M O O M> > > > > > > > > > > > > > > > > > > > > > > > = m m m m = m m m M = = = m X m m = = G m Utm JK JK m 7K ;N ;N >E ;N m m m = = = JK 7N JK m ;K 7N 7K ;N ;N - - - - - - - - - - - - - - - - - 12m m m m m m m m m m m m = rn m m rn m rn m m m m X Z Q: X X Z H R X E Z X = Z = Z = Q: X Q! Z =Ox :r m m 7D 7D :p m m m m z; x x ;p JD :D x J; x m m ip fa Cb rn fn rn C3 C3 rD C7 fa rl c7 fn CD rD fD fD rD fn tn r1 liC1

4> K K K K K K @: K K !: K I I K K K E E Z K K K i: <t O O O O O O O O O O O O O O O O O O O c O O D KD m m m m m m m x x x x x x m m m m m x r m m m œ

c c c c m m c c c c c c e a o m m m r c c n c o= > > > > > > > > > > > > > > > > > > > > > > >m 1 G & o c c & & & D c m c & D D D & & o & & &m m m m m m m m m m m m m m m m m m m m m m mO O X O O O O D D D O O D D O O O O O X X O DO O O O O O O O O O O O O O O O O O O O c f7 (D;D m m m JO :D :D x az m m m =; m m m m m r 70 m m x'D 'D 'D 'D '= '= = = = = = = 'D 57 = '= '= 'u Y r AJ '? =

œ * * = = X X X X X X X X X X X X X X X X X I O O O O X X X X I X X X K X X X K X X X X X X X X MX Xma

ma m m m o o o o o o o o o o o o o o o o o o o o m m m m o o o o o o o o o o o o o o c o o o o o oa n n n n n n

x m x x x c c c c c c c c c c c c c c c c c c c c x x x x c c c c c c c c c c c c c c c c c c c c c= M m m m K K K O- O- O M K K K K K K K K K X K K K m m = m K K K K K X K K K P O O M M K Z Z K K K KM O O M O K R K K K V -K X X X R R R K X X R R H Z M O M O K R X R Z X X R R R -K - - -> > > > > > > > > H H H H W W H H H W

& & & & O & & & & & & & & & & & & & & & x m x x & M & & O & & & m 1 & & & & & & & & O & &x m m x m< < < < < > > > > > P > > > > > > > > > > > > > > < < < < > > > > > > > > > > > > > > > > > > > > >o c o o o K X K K V r R R R X H H X A R K K H X O O D O R R R A Z R K R A K K X X X X X X X R X Xm m m m m c G c c c w - c c c c c c u u c c c c r m m = m c c c c u c u c u c c c c c c u u c c o ux x xX x r m x c w c c c x = c c c c c c c c c c c c c x r r K c c c c c c c c c c c c c c c c c c c c co o o o o m > m m m > b x x x x X m m m m m m m m o o o o x x x x m m m m x m x m m x m x x x x x xc c c c c m c œ a w A c m m m m m = m m w m m m x c c c c w m m = X m œ o m m m w m œ w œ = œ = œ =m e;w m % > a > > > = = > > > > > > > > > > > > > m < < o > > > > > > > > > > > > > > > > > > > > >1 1 - - - = < = R R - - Z A A K X c c = K = = R X - - - - A R c c Z = = = = = R R c X c R R R R R =K = = m m m X X K Rm D D D & U < O X c < > > > > < = < < < o

=m= < < < < < < < < < < < < < m O * G < < < < < < < < < < < < < < < < < < < < <

U U U U U GO K O O O K K O O O D O O O Q O Q O O O m m m m D D O O O O O O O O O D O O O O O D O D ORc c c c c x = Y = x x x = = = = = = = x = = W W œ œ x = = x = = = = x x x = = m w x x w = = x -x x x = = E =x K < K =a == K < < < < K K q q K K K r > > > > < < < E < K < q I E < < < < K K K K E L < =m m X m m R X X R o> > n > w m e m m m e e c m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m m

Z X M W K X X X X R R X X R R A X U U U O K X X X X X X R V A A K R H R X X A A H X MA A K K X m m m m e o o u e o o u u u e e e - - - - - - - - mO U U U U < < < <m m m m m m m m m< < < < = = = = X Y Y N0 0 0 0 0 E K K KI K I K X R OH VR CDK Zm m m m m -i -1 -1 -1= = Z Q5 = -j

rn

& D M & o & c & & D M O O o & D D O O M & D D Y c c O D H & Y c o > & M c & > & M O M O D O O O D O Rc & c & > > c O D D c & - M & D D O c & & D D c & - - - & e c - > & > c > > D - & - c - - - - - & &œ œ c œ o - œ c c c O œ c o o c e c œ c e e O o Y c o c - - - - - e - - - o - o - c o c c c o o c c oo e œ = w - w c - o œ o o o o o m o o x w w m x o - o o c m œ w - œ w œ m o x - c c œ - - o - o o -D iô b 'e'' 'xa' bh bh b' b kl '(5 K) u b bs kk i7 'ek iù tô b b'a b'a Lù L4 15 ;Z b f. kk ;J b% U) 1)* iô 'w' L' b' 'uh b U; b 15 6 LF b Lù U! b Lh

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c) D O C7 (D D D CR C7 O D O & & & & LJ D D C CD CD (D D & O c c c & D c O & C7 O C1 c c (D D c D & & C> D c C) &(D C) C C) yM e & O CD D > & >œ >a C7 & C) & & c & & & D C) > > ko b= - hn >= F= N yM > è= > - F= > > FM 9M F= FM 8* > QJ C7 F)kD kD tD tD CD ba kD tD tD W) & a) D D tr m to LD QD to t/ to @A y) @> & c c O > pn Gb kn e4 >= - >= & & D & c C & & CD & c ko kD fp@= e > F= c LD D X) c CD D - D D D & (D & D c c) C +œ bn G* O O c c D o c C (D C D C bu bu BA b= Gx bM ba c O D CD ba b= zNâ NJ hu >u to Na - G! W bu 4x pe x m tD m X rn A. NJ Na ba ba (D & c) N1 tn m GJ w GJ tr QJ N4 K3 M NJ N) NJ y= - i= - ko kD c) ch >J -C1 CD O c GD Nz >= O C> ho Gl NJ e F= sa C CD & 9% b2 c tD >= Na & N3 NJ - O GJ SJ >M C7 CD NJ hl >a ba D c tp - FM c NJ NJ NJ > - > U'< NJ W à= fxz Ln m 9* m IJ D Na ko W @) Nl 1) W tu C Tx C tr xz NI hu œ GJ J. yu @) œ < e CD tp C &. QD Na D '< 'Q NJ 12 >= bn * < P ;CD C) & C & CD C CJ O D O & O CD D & & & & c & (D & c) D D O c O D & & c & CJ & C O O C o c C) & O C7 D c D c) o'(D O O c D & D c & CD C D D CD & (D D U D O C7 & & & & & O O c D & c CD D & & c & & & & C O D O C D O C7 Dc & O c D D & c & & & & D O O D & & D c O O D & & & & c O & D c c c O D c O & c & & c & & & & c & &M > D < œ > H > H œ D o > œ W & > N m c M o m & Y > Y M & œ & > - c œ o = * c - > o O O > > > œ - -< < œ % - & D % D < o = m > O R X - & œ œ > * > D m o m Y X + & < & - c œ X c X x O < * m H œ c = <œ X > œ œ X - Y e & o * œ > = Y o o W œ V œ * + œ W < M X > m c > c > m œ * > œ m * o * W < m & X m> H W œ c < > c Y - m r > & & - * W W = > = = < & œ > œ < & W D œ œ D m m m = c A c œ - c O > G & c

m

P P T C P T T X C mW P P T Y T T T m- P C P T T T F T P P P T P M C T T P C T Y P P T T T T T P T P TP M P Y T T T C T T T T T T T P Y Y T T T P M T T W P T P P P P P P P T F mD T P P P N T T T P P X T O

F P T P T T P P Y F T W P t N Y T P P C Y P T N Y T C T P P F C e T P T P Y Y T IW P N T T T T W T T OYD o o D & & D D O & & c c o D c o & & o & O O D D & D D D c & o & - & & & O D O & & c c O D & c c > n> m m - Y > - & N M O m > > œ - O M m > c & + - < H > & œ > D - o - c W œ & o c - œ w > M H H > O œ Do œ m o - < o o œ o œ Y œ - D œ c < = Y o œ Y < œ o œ m < c Y H m A < c < - o o < o œ - Y m m - e m xc

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