majority opinion
U.S. BANK, NATIONAL ASSOCIATION, AS Successor TRUSTEE TO BANK OF AMERICA, N.A., as Successor by Merger to LaSalle Bank, N.A., as Trustee for the Certificateholders of the MLMI Trust, Mortgage Loan Asset-Backed Certificates, Series 2006-RM5, Plaintiff-Appellee, v. Josephine Lapiten DAGA, Defendant-Appellee, and Russell Bantangan Rumbawa; Gina Maria Son Elmer, Defendants-Appellants, and Mortgage Electronic Registration Systems, Inc., Solely as Nominee for ResMAE Mortgage Corporation; Department of Taxation - State of Hawaii, Defendants-Appellees, and John Does 1-20; Jane Does 1-20; Doe Corporations 1-20; Doe Entities 1-20, Doe Governmental Units 1-20, Defendants
438 P.3d 284
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