WELLS FARGO BANK, N.A., Plaintiff-Appellee, v. Russel Edward COLE, Defendant-Appellant, and Waikoloa Village Association ; John Does 1-10; Jane Does 1-10; Doe Partnerships 1-10; Doe Corporations 1-10; Doe Entities 1-10 and Doe Governmental Units 1-10, Defendants-Appellees