COMMERCIAL AFFIDAVIT

AFFIDAVITOF DISHONOR, DECLARATION AND DEMAND

NOTICE OF NON-JUDICIAL PROCEEDING
THIS IS A U.S. S.E.C. TRACER FLAG, NOT A POINT OF LAW

A SECURITY (15 USC)

_______________________

COMMERCIAL AFFIDAVIT
U.S. S.E.C. TRACER FLAG
NOT A POINT OF LAW
READ attached APPENDIX A

CERTIFICATE OF DISHONOR

REFERENCE:

Mrs. Patty White JAY MEMMOT, PRESIDENT/CEO

WILSHIRE CREDIT CORPORATION WILSHIRE CREDIT CORPORATION
P.O. Box 8517 14523 SE MILLIKAN WAY #200
Portland, OR 97207-8517 BEAVERTON, OR 97205

LAURIE MAGEE, SECRETARY MARK PETERSON, SECRETARY

WILSHIRE CREDIT CORPORATION WILSHIRE CREDIT CORPORATION
14523 SW MILLIKAN WAY #200 14523 SE MILLIKAN WAY #200
BEAVERTON, OR 97205

STEPHEN P. GLENNON Howard Amster, Director

WILSHIRE CREDIT CORPORATION WILSHIRE CREDIT CORPORATION
14523 SW MILLIKAN WAY #200 C/O Ramat Securities
BEAVERTON, OR 97205 23811 Chagrin Blvd., #200
Beachwood, OH 44122-5525

Robert Kanner, Director

WILSHIRE CREDIT CORPORATION
Pubco Corporation
3830 Kelley Avenue
Cleveland, OH 44114

JOSEPH W KILEY, PRESIDENT CAROL SCHARDT, SECRETARY

BEVERLY HILLS BANCORP, INC. BEVERLY HILLS BANCORP, INC.
formerly known as, formerly known as,
WILSHIRE FINANCIAL SERVICES GROUP INC. WILSHIRE FINANCIAL SVCS GP INC.
23901 CALABASAS RD STE 1050 23901 CALABASAS RD STE 1050
CALABASAS, CA 91302 CALABASAS, CA 91302

Page 1 - Certificate of Dishonor

 COMMERCIAL AFFIDAVIT
AFFIDAVITOF DISHONOR, DECLARATION AND DEMAND
NOTICE OF NON-JUDICIAL PROCEEDING
THIS IS A U.S. S.E.C. TRACER FLAG, NOT A POINT OF LAW

I, Jesus Corchado, am the Notary to whom all communications were/are to be mailed regarding
Contract No. 04102005-GW, Commercial Affidavit for Truth in Commerce, Notice and Demand.
Pursuant to Uniform Commercial Code 3-505(b) and 1-202, Notice of Protest is hereby given
with Certificate of Dishonor regarding the following:

On 27 June, 2005 Proof of Service evidences that I sent a Notice of Dishonor of Glenn
Winningham; family of Fearn's presentment to;

Mrs. Patty White 7005 0390 0005 4339 7975

JAY MEMMOT, PRESIDENT/CEO 7005 0390 0005 4339 7999
LAURIE MAGEE, SECRETARY 7005 0390 0005 4339 7968
MARK PETERSON, SECRETARY 7005 0390 0005 4339 7982
STEPHEN P. GLENNON 7005 0390 0005 4339 8002
Howard Amster, Director 7005 0390 0005 4339 8019
Robert Kanner, Director 7005 0390 0005 4339 8026
Daniel Markee, Director 7005 0390 0005 4339 8033
All with WILSHIRE CREDIT CORPORATION

JOSEPH W KILEY, PRESIDENT 7005 0390 0005 4339 8040

CAROL SCHARDT, SECRETARY 7005 0390 0005 4339 8057
All with BEVERLY HILLS BANCORP, INC.

who were given 10 days to respond.

On July 14, 2005, Proof of Service shows a Notice of Protest and Opportunity to Cure was
mailed to Respondents who were given 10 days to respond.

Mrs. Patty White 7002 0510 0002 8140 8716

JAY MEMMOT, PRESIDENT/CEO 7002 0510 0002 8140 8709
LAURIE MAGEE, SECRETARY 7002 0510 0002 8141 6995
MARK PETERSON, SECRETARY 7002 0510 0002 8141 6988
STEPHEN P. GLENNON 7002 0510 0002 8141 6971
Howard Amster, Director 7002 0510 0002 8141 6964
Robert Kanner, Director 7002 0510 0002 8141 6957
All with WILSHIRE CREDIT CORPORATION

JOSEPH W KILEY, PRESIDENT 7002 0510 0002 8141 6940

CAROL SCHARDT, SECRETARY 7002 0510 0002 8141 6933
All with BEVERLY HILLS BANCORP, INC.

As of this date, no response has been delivered to me, the designated receiver. I interviewed
Glenn Winningham; family of Fearn, whose affidavit is attached to this Notorial Protest. Glenn

Page 2 - Certificate of Dishonor

 COMMERCIAL AFFIDAVIT
AFFIDAVITOF DISHONOR, DECLARATION AND DEMAND
NOTICE OF NON-JUDICIAL PROCEEDING
THIS IS A U.S. S.E.C. TRACER FLAG, NOT A POINT OF LAW

Winningham; family of Fearn has received no response by Respondents to said Contract at any
other mailing location.

Based on the foregoing information, Respondents have dishonored Glenn Winningham; family
of Fearn's presentments by non-performance and have therefore assented to the terms and
conditions in said Contract, including payment to Glenn Winningham; family of Fearn of
$510,005,000.00 per Respondent and/or consent to involuntary bankruptcy proceedings against
Respondents.

____________________________________ _______________
Jesus Corchado, Notary Public Date
C/O 1377 E. Florence Blvd., #147
Casa Grande, Arizona [85222]

Page 3 - Certificate of Dishonor

 COMMERCIAL AFFIDAVIT
AFFIDAVITOF DISHONOR, DECLARATION AND DEMAND
NOTICE OF NON-JUDICIAL PROCEEDING
THIS IS A U.S. S.E.C. TRACER FLAG, NOT A POINT OF LAW

This notice as follows below is included for the purposes of FULL DISCLOSURE (UCC).

A SECURITY (15 USC)

_______________________

COMMERCIAL AFFIDAVIT
U.S. S.E.C. TRACER FLAG
NOT A POINT OF LAW*
READ attached APPENDIX A

* One definition of "A SECURITY" is "any evidence of debt."

*************
APPENDIX A
The Lien Claimant does NOT rely on Title 15 as a basis for the "Commercial Lien." All
Commercial processes, by using or relying on notes or paper in Commerce (e.g. Federal
Reserve Notes), must bear some sort of Federal tracking code, a County Recorder's number or
a serial number, which process must be accessible for inspection at the nearest relevant County
Recorder's Office or be widely advertised. when a Lien matures in three (3) months, ninety (90)
days, by default the Lien Debtor through the Respondents failure to rebut the AFFIDAVIT OF
OBLIGATION point-for-point categorically, it becomes an accounts receivable in the ordinary
sense of a collectable debt upon which assignments, collateralization, and other commercial
transactions can be based, hence becomes a Security subject to observation, tracking, and
regulation by the United States Securities and Exchange Commission (hereinafter U.S. S.E.C.).

The notation "A Security -- 15 USC" is a flag in Commerce telling the U.S. S.E.C. that a
speculation account has been established to enforce a lien. The U.S. S.E.C. can then monitor
the process. As long as the process is truthful, open, and above-board (full disclosure), the U.S.
S.E.C. has no jurisdiction over it, for even the U.S. S.E.C. has no jurisdiction over the truth of
testimony, depositions, affidavits, and affidavits of obligation (Commercial Liens), and an
unrebutted affidavit stands as the truth on Commerce. Legal Authority: Universal
moral/existential truths/principles, expressed in Judaic (Mosaic) Orthodox Hebrew/Jewish
Commercial Code, corollary to Exodus (chiefly Exodus 20: 15, 16). This is the best known
Commercial process in America. When an affidavit is so flagged in Commerce, it becomes a
Federal Document because it could become translated into a Security (for example being
attached in support of a Commercial Lien), and not accepting and/or filing a Commercial
Affidavit becomes a Federal Offense.

Page 4 - Certificate of Dishonor