CREF SOCIAL CHOICE ACCOUNT;  TIAA GLOBAL PUBLIC  INVESTMENTS, MBS LLC; TIAA-CREF  DUTY OF INDEPENDENCE (In The Right Of The Trustee And On  Behalf Of The Trusts Against U.S. Bank) ...................................................................... 173  FOURTH CAUSE OF ACTION  BREACH OF FIDUCIARY DUTY – DUTY  OF CARE (In The Right Of The Trustee And On Behalf Of The Trusts  Against U.S. Bank) ......................................................................................................... 175  FIFTH CAUSE OF ACTION  NEGLIGENCE – DUTY OF CARE (In The Right  Of The Trustee And On Behalf Of The Trusts Against U.S. Bank) ............................... 177  INSURANCE COMPANY;  STONEBRIDGE RE COMPANY;  TRANSAMERICA INTERNATIONAL  INTERNATIONAL PORTFOLIO; PIMCO  FUNDS: PRIVATE ACCOUNT  PORTFOLIO SERIES LONG DURATION  OF POST-DEFAULT DUTY OF INDEPENDENCE (In The Right Of  The Trustee And On Behalf Of The Trusts Against U.S. Bank) .................................... 180  XIX.  CLASS ACTION ALLEGATIONS ............................................................................... 181  XX.  PORTFOLIO SERIES MORTGAGE  PORTFOLIO; PIMCO FUNDS: PRIVATE  ACCOUNT PORTFOLIO SERIES REAL  Trustee And On Behalf Of The Trusts Against U.S. Bank) ........................................... 162  SECOND CAUSE OF ACTION  VIOLATION OF THE TRUST INDENTURE  ACT OF 1939, 53 STAT. 1171 (In The Right Of The Trustee And On  Behalf Of The Trusts Against U.S. Bank) ...................................................................... 170  VII.  BACKGROUND – THE TRUSTEE’S ROLE AS GATEKEEPER IN  THE SECURITIZATION PROCESS............................................................................... 39 