WHEREDOESTHEFRAUDBEGIN?

Thisdocumentismeanttotakethereaderdownaroadtheyhavelikelynever traveled. This isa laymansexplanationofwhathasbeenhappening in thiscountry thatmosthaveno ideaor inklingof. It is intended to give the reader an overview of a systemicFraud in this country that has reached epic proportions andprovokeactiontoeradicatethisscourgethathasdescendeduponthepeopleofAmerica. Dependingonwhatyoursituation is,youmayreactwithdisbelief,fear,angeroroutrightdisgustatwhatyouareabout to learn. The following information issupportedwithfacts,exhibits,lawandisnotmereopinion.Letsstartourjourneyofdiscoverywiththepurchaseofahomeand subsequent steps in the financialprocess through the lifeofthemortgage loan. Itallstartsattheclosingwherewegatherwith other people that are involved in the process to sign thedocuments topurchaseournewhome. Dowe reallyknowwhatgoesonat theclosing? Areweever toldwhoall theparticipantsareinthatentireprocess?Arewetrulygivenfulldisclosureofallthevariousaspectsof thatentire transactionregardingwhat, formostpeople,isthesinglelargestpurchasetheywillmakeintheirentirelife?

Letsstartwiththeveryfirstpartofthetransaction. Wehaveavirtualstackofpapersplacedinfrontofusandweareinstructedwhere we are supposed to start signing or initialing on thoseclosing documents. There seems to be so many differentdocuments with enough legal language that we could read forhours just toget through them the first time,much lessbegin tofullyunderstandthem.Arewegivenacopyofallthesedocumentsatleast7dayspriortotheclosingsowecanreadandstudythesedocuments sowe fullyunderstandwhat it is thatwe are signingand agreeing to? That has never happened for the averageconsumerandpurchaserofapropertyinthelast30yearsormoreif iteverhasatall. WHY? Wehaveastackofdocumentsplacedbeforeusattheclosingthatwehaventeverseenbeforeandareinstructedwheretosignorinitialtocompletethetransactionandgetournewhome. Wedependontherealestateagent,inmostcases, to bring the parties together at the closing afterwe havesuppliedenoughfinancialdataandotherrequestedinformationsothat the lender can determinewhetherwe can qualify for ourloan.Obviouslywehavethethreedayrightofrescissionbutdowe really stop to read all the documents after we have justpurchased our home andwant tomove in? Is the thought thattheremightbesomethingwrongwithwhatwehave justsignedaprimarythoughtinourmindatthattime?Didwetrustthepeopleinvolved inthetransaction? Arewenaturally focusingongettingmovedintoournewhomeandgettingsettledwithourfamily?

Who are the players involved in the transaction from theperspectiveof theconsumerpurchasingapropertyandsigningaMortgageNoteandDeedorsimilarSecurityInstrumentattheclosing?Thereis,ofcourse,theseller,therealestateagent(s),titleinsurance company, property appraiser who is supposed toproperly determine the value of the property, and the mostobvious one being who we believe to be the lender in thetransaction. Weareled,byallinvolved,tobelievethatweare,infact,borrowingmoneyfromthelenderwhichisthenpaidtothecurrent owner of the property as compensation for themrelinquishing any claim of ownership to the property andtransferringthatclaimofownershiptousasthepurchaser.Itallseemssosimpleandclearon its faceand then the transaction iscompleted. After the closing everyone is all smiles and youbelieveyouhaveanewhomeandhavetorepaythelender,overaperiodofyears,themoneywhichyoubelieveyouhaveborrowed.

ISTHERESOMETHINGWEDONTKNOW?

Everythingappears toberelativelysimpleandstraightforwardbutisthatreallythecase?Coulditbethatthereareotherplayersinvolvedinthiswholetransactionthatweknownothingaboutthathave a very substantial financial interest in what has justoccurred? Could it be that those players that we are totallyunaware of have somehow used us without our knowledge or

consenttosecureaspectacularfinancialgainforthemselveswithabsolutelynoinvestmentorrisktothemselveswhatsoever?Coulditbethatthereisahiddenaspectofthiswholetransactionthatisstandardoperatingprocedure inan industrywhere thishiddenaspect of a transaction occurs every single banking day acrossthiscountryandbeyond? Coulditbethatthishiddenaspectofatransaction is a deliberate process to unjustly enrich certainindividuals and entities at the expenseof thepublic as awhole?Coulditbethattherewasnotfulldisclosureofthetruenatureofthe transaction as it actually occurred which is required for acontracttobevalidandenforceable?

THEDOCUMENTSINVOLVED

ThetwomostimportantandvaluabledocumentsthataresignedataclosingaretheNoteandtheDeedinvariousforms. WhenlookingatthedefinitionofaMortgageNoteitisobviousthatitisaSecurityInstrument.ItisapromisetopaymadebythemakerofthatNote.WhenlookingatacopyofaDeedofTrustsuchastheattachedExhibitA,whichisatemplateofaTennesseeDeedofTrustformthatisdirectlyfromthefreddiemac.comwebsite,itisveryobviousthatthisdocumentisalsoaSecurityInstrument.This is a template that is used forMOST government purchasedloans. You will note that the words Security Instrument arementionedno less than90 times in thatdocument. Is thereANYdoubtitisaSecurity?Whenattheclosing,theborrowerisled

tobelievethattheMortgageNotethathesignsisadocumentthatbinds him to make repayment of money that the lender isloaning him to purchase the property he is acquiring. Is theredisclosure to the borrower to theeffect that the lender isnotreallyloaninganyoftheirmoneytotheborrowerandthereforeistakingnoriskwhatsoever inthetransaction? Is itdisclosedtothe borrower that according to FEDERAL LAW, banks are notallowedtoloancreditandarealsonotallowedtoloantheirownortheirdepositorsmoney? If that is the case, thenhow could thistransaction possibly take place? Where does the money comefrom?Istherereallyanymoneytobeloaned?TheanswertothislastquestionisaresoundingNO! MostpeoplearenotawarethattherehasbeennolawfulmoneysincethebankruptcyoftheUnitedStatesin1933.SinceHouse JointResolution192 (HJR192) (Public law7310)waspassed in1933wehaveonlyhaddebt,becauseallpropertyand gold was seized by the government as collateral in thebankruptcyof theUnitedStates. Mostpeople todaywould thinktheyhavemoney in theirhandwhen theypull something out oftheirpocketand lookatthepaperthat iscirculatedbythebanksthattheyhavebeentoldismoney.InrealitytheyarelookingataFederalReserveNotewhichisstatedrightonthefaceofthepieceof paper we have come to know as money. It is NOT reallymoney,itisdebt,apromisetopaymadebytheUnitedStates!Ifyou takea FederalReserveNoteshowingavalueof tendollars

andbuysomething,youarethenmakingapurchasewithaNote(apromise topay). There isabsolutelynogoldorsilverbackingtheFederalReserveNotesthatwerefertoasmoneytoday.When you sit down at the closing table to complete thetransaction topurchaseyourhomearentyou tenderinga Notewith your signaturewhichwouldbe consideredmoney? That isexactlywhat you aredoing. A Note ismoney in ourmonetarysystem today! You can deposit the Federal Reserve Note (apromisetopay)withadenominationof$10atthebankandtheywillcredityouraccountinthatsameamount.Whyisitthatwhenyou tenderyourNoteat theclosing that theydont tellyou thatyourhomeispaidforrightonthespot? ThefactisthatitISPAIDFORONTHESPOT. YoursignatureonaNotemakesthatNotemoney in the amount that is stated on the Note! Was thisdisclosed toyouat theclosing ineitherverbalorwritten form?Could this be the place where the other players come into thetransactionatornear the timeof closing? Whathappens to theNote(promisetopay)thatyousignattheclosingtable?Dotheyputitintheirvaultforsafekeepingasevidenceofadebtthatyouowethemasyouareledtobelieve?Dotheyreturnthatnotetoyouifyoupayoffyourmortgagein5,10or20years?Dotheydisclosetoyouthattheydoanythingotherthanputitawayforsafekeepingonceitisintheirpossession?

WHATACTUALLYHAPPENSTOTHENOTE?

Unknowntoalmosteveryone,thereissomethingVERYdifferentthathappenswithyourMortgageNoteimmediatelyafterclosing.YourMortgageNote isendorsedanddeposited in thebankasacheck andbecomes MONEY! See attached (Exhibit Bpara13)Thedocumentthatyou justgavethebankwithyoursignatureonit, thatyoubelieve isapromise topay them formoney loaned toyou,has justbeen converted tomoney inTHEIRACCOUNT. Youjustgavethelendertheexactdollarvalueofwhattheysaidtheyjust loaned you! Who is the REAL creditor in this ClosingTransaction? Who really loanedwho anything of value or anymoney? You actually just paid for your own home with yourpromissoryMortgageNotethatyougavethebankandthebankgaveyouwhatinreturn?NOTHING!!!Foranycontracttobevalidtheremustbeconsiderationgivenbybothparties.Butdont theytell you that youmust now pay back the Loan that they havemadetoyou?HowcanitbethatyoucouldjustwriteaNoteandpayforyourhome?ThisleadsusbacktothebankruptcyoftheUnitedStatesin1933.WhenFDRandCongresstookallthepropertyandgoldfromthepeople in1933 theyhad togive something in return for thatconfiscationofproperty. Seeattached(ExhibitBpara6) Whatthe people got in returnwas the promise that all of their needswouldbemetbythegovernmentbecausetheassetsandthelaborofthepeoplewerecollateralforthedebtoftheUnitedStatesinthe

bankruptcy. All of their debtswould be discharged. ThiswasdonewithouttheconsentofthepeopleofAmericaandwasanactofTreasonbyPresidentFranklinDelanoRoosevelt. Theproblemcomes inwhere theynever toldushowwecouldaccomplish thatdischargeandhavewhatwewereentitledtoafterthebankruptcy.Why has this never been taught in the schools in this country?Coulditbethatitwouldexposethebiggestfraudinthehistoryofthisentirecountryandintheworld?Ifthepublicispurposelynoteducatedaboutcertainthingsthencertainindividualsandentitiescantakefullfinancialadvantageofvirtuallytheentirepopulation.Isntthisselectiveeducationmorelikeindoctrination? Couldthis bewhat has happened? In Fina Supply, Inc. v. Abilene Nat.Bank, 726 S.W.2d 537, 1987 it says Party having superiorknowledgewhotakesadvantageofanother'signoranceofthelawtodeceivehimby studied concealmentormisrepresentation canbeheldresponsibleforthatconduct.Doesthismeanthatifthereare people with superior knowledge as a party in this LoanTransaction that take advantage of the ignorance of the law,(through indoctrination) of the public to unjustly enrichthemselves, that they canbeheld responsible? Can theybeheldresponsible in only a civil manner or is there a more seriousaccountabilitythatfallsintothecategoryofcriminalconduct?It iswell established law that Fraud vitiates (makes void) anycontract thatarises from it. Does thismean that this intentionallack of disclosure of the true nature of the contract we have

enteredintoisFraudandwouldmakethemortgagecontractvoidon its face? Could itbe that theFraudcouldactuallybe studiedconcealmentormisrepresentation thatmakes those involved intheactresponsibleandaccountable?Whathappens to theNoteonceitisdepositedinthebankandisconvertedtomoney? Aretheredifferentkindsofmoney? There ismoneyofexchangeandmoneyofaccount.Theyaretwoverydifferentthings.Seeattached(Exhibit B para 11), Affidavit of Expert Witness Walker Todd.WalkerToddexplainsinhisexpertwitnessaffidavitthatthebanksactually do convert signatures into money. The definition ofmoneyaccordingtotheUniformCommercialCode:"Money"meansamedium of exchange authorized or adopted by a domestic or foreigngovernment and includes a monetary unit of account established by anintergovernmentalorganizationorbyagreementbetweentwoormorenations.Moneycanactuallybe indifferent formsother thanwhatweareaccustomed to thinking. When you sign your name on apromissory note it becomes money whether you are talking amortgagenoteoracreditcardapplication! Didthebankerseverdisclose this tous? Wereweever taughtanythingabout this intheschoolsysteminthiscountry?Coulditbethatthiswholeideaof being able to convert our signature to money is a studiedconcealment or misrepresentation where those involvedbecome responsible if we are harmed by their actions? WhathappensifyouhavesignedaMortgageNoteandalreadypaidforyourhomeandtheycomeatalaterdateandforecloseandtakeitfromyou?Wouldyouconsideryourselftobeharmedinanyway?Wewillbringthisupagainveryshortlybutweneedtolookatthe

other document that is signed at the closing that is of greatsignificance.

THEDEEDOFTRUST

Why dowe need aDeed of Trust? What exactly IS aDeed ofTrustorothersimilarSecurity Instrument? Itspellsoutall thedetails of the contract that you are signing at the closing,includingsuchthingsasinsurancerequirements,preservationandmaintenanceandallof the financialdetailsofhow,when,whereandwhyyouaregoingtomakepaymentstothelenderforyearsandyears. Waitaminute!!!!! Makepayments to thelender????Whydoyouhave tomakepayments to thelender??? Didntwejustestablish the fact thatyourhousewaspaid forbyYOU,withyour Mortgage Note that is converted tomoney by THE BANKDEPOSITINGIT? Istheresomethingwrongwiththispicture? WehavejustpaidforourhomebutnowwearetoldwehavetosignaDeedofTrustorsimilarSecurityInstrumentthatbindsustopaythelenderback? Paythelenderbackforwhat? Didtheyloanusanymoney?RememberthepartaboutbanksnotbeingabletoloantheirortheirdepositorsmoneyunderFEDERALLAW?Whatabout:In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, indorser,

or guarantor for him. Farmers and Miners Bank v. Bluefield Nat l

Bank, 11 F 2d 83, 271 U.S. 669; A national bank has no power to lend

its credit to any person or corporation. Bowen v. Needles Nat. Bank, 94

F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44

LED 637?

What is happening here with this Deed of Trust or similarSecurityInstrumentthatsayswehavetopayallthismoneybackandifwedont,theycanforecloseandtakeourhome?Whydowehavetohavethiskindofagreementwhenwehavealreadypaidforour home through our Mortgage Notewhichwas converted tomoneyBYTHEBANK? Could thispossiblybeanotherexampleofstudiedconcealmentormisrepresentationwherethoseinvolvedcouldbeheldaccountablefortheirconduct?WhathappenstothisDeed of Trust or similar Security Instrument afterwe sign it?Wheredoesitgo?Doesitgointothevaultforsafekeepinglikewemight think? See attached Exhibit C for substantially moreinformation.

WHOARETHEOTHERPLAYERS?

WehavealreadyfoundoutthattheNotedoesntgointothevaultfor safe keeping but instead is deposited into an account at thebankandbecomesmoney. WheredoestheNotegothen? This iswherethingsgetVERYinterestingbecauseyourMortgageNoteisthenusedtoaccessyourTreasuryAccount(thatyouknownothingabout)andgetcreditintheamountofyourMortgageNotefromyour PrepaidTreasuryAccount. If theyprocess the Noteandget paid for it then they have received the funds from YOUR

accountatTreasurytopayforYOURhomecorrect?TheythenturnaroundandbundletheNoteandsellittoinvestorsonWallStreetand getpaid again! Now lets seewhathappens to the Deed ofTrust or similar Security Instrument after you have signed it.Youmaybequite surprised toknow thatnotonlydoes itnotgointo safekeeping it is immediately SOLD as an INVESTMENTSECURITY to one of anynumber of investors tied toWall Street.There is a ready, and waiting, market for all of the mortgagepaperthatisproducedbythebanks. WhathappensistheDeedof Trust or other similar Security Instrument is bundled andSOLDtoabuyerandtheBANKGETSPAIDFORTHEVALUEOFTHEMORTGAGEAGAIN!!Haventthebankersjusttransferredanyriskon that mortgage to someone else and they have their money?Thatisaprettyslickwayofdoingthings! TheyALWAYSgettheirmoneyrightawayandeveryoneelseconnectedtothetransactionhas the liabilities! Is there somethingwrongwithTHISpicture?Howcanitpossiblybethatthebankhasnowbeenpaidthreetimesin theamountofyour purportedmortgage? How is it thatyoustillhavetopayyearsandyearsonthispurportedloan?Wasanyof thisdisclosed toyoubeforeyou signed the DeedofTrustorothersimilarSecurity Instrument? WouldyouhavesignedANYofthosedocumentsincludingtheMortgageNoteifyouknewthatthisiswhatwasactuallyhappening?Doyouthinktherewereanycopies of the Mortgage Note and Deed of Trust or othersimilarSecurityInstrumentmadeduringthisprocess?Arethose

copies just for the records to be put in a file somewhere or isthereanotherpurposeforthem?

CANREPRODUCINGANOTEORDEEDOFTRUSTBEILLEGAL?

Wehavealreadyestablished that the MortgageNoteand theDeed of Trust or other similar Security Instrument areSecuritiesbydefinitionunder the law. SecuritiesareregulatedbytheSecuritiesandExchangeCommissionwhich isanagencyoftheFederalGovernment. Thereareverystrictregulationsaboutwhat can and cannot be donewith Securities. There are verystrict regulations that apply to the reproduction or copying ofSecurities:TheCounterfeitDetectionActof1992,PublicLaw102550,inSection411ofTitle31oftheCodeofFederalRegulations,permitscolorillustrationsofU.S.currencyprovided:

Theillustrationisofasizelessthanthreefourthsormorethanoneandonechpartoftheitemillustratedhalf,inlineardimension,ofea

TheillustrationisonesidedAllnegatives,plates,positives,digitizedstoragemedium,graphicfiles,magneticmedium,opticalstoragedevices,andanyotherthingusedinthemakingoftheillustrationthatcontainanimageoftheillustrationoranypartthereofaredestroyedand/ordeletedorerasedaftertheirfinaluseOtherObligationsandSecurities

PhotographicorotherlikenessesofotherUnitedStatesobligationsandsecuritiesandforeigncurrenciesarepermissibleforanynonfraudulentpurpose,providedtheitemsarereproducedinblackandwhiteandareless

thanthreequartersorgreaterthanoneandonehalftimesthesize,inlineardimension,ofanypartoftheoriginalitembeingreproduced.Negativesandplatesusedinmakingthelikenessesmustbedestroyedaftertheiruseforthepurposeforwhichtheyweremade.

Title18USC472Utteringcounterfeitobligationsorsecurities Whoever,withintenttodefraud,passes,utters,publishes,orsells,orattemptstopass,utter,publish,orsell,orwithlikeintentbringsintotheUnitedStatesorkeepsinpossessionorconcealsanyfalselymade,forged,counterfeited,oralteredobligationorothersecurityoftheUnitedStates,shallbefinedunderthistitleorimprisonednotmorethan20years,orboth.Title18USC473DealingincounterfeitobligationsorsecuritiesWhoeverbuys,sells,exchanges,transfers,receives,ordeliversanyfalse,forged,counterfeited,oralteredobligationorothersecurityoftheUnitedStates,withtheintentthatthesamebepassed,published,orusedastrueandgenuine,shallbefinedunderthistitleorimprisonednotmorethan20years,orboth.

Title 18 USC 474 Plates, stones, or analog, digital, or electronicimagesforcounterfeitingobligationsorsecuritiesWhoever,withintenttodefraud,makes,executes,acquires,scans,captures,records,receives,transmits,reproduces,sells,orhasinsuchpersonscontrol,custody,orpossession,ananalog,digital,orelectronicimageofanyobligationorothersecurityoftheUnitedStatesisguiltyofaclassBfelony.

Are these regulations always adhered toby the lenderwhenthey have possession of these original SECURITIES and makereproductions of them before they are sold to investors? Howmuch has been in the media in the past 2 years about peopledemanding to see the wet ink signature Notewhen there is aforeclosureactioninitiatedagainstthem?Youhearitallthetime.Whyisthatsuchabigissue?Shouldntthelenderbeabletojustbring the Note and the Deed of Trust or similar SecurityInstrument to the Court and show that they have the original

documentsandaretheholderinduecourseandthereforehavealegal right to foreclose? To foreclose they must have BOTH theMortgage Note and Deed of Trust or other similar SecurityInstrumentORIGINALDOCUMENTSintheirpossessionatthetimethe foreclosure action is initiated. Furthermore, IS there a realhonesttogoodnessobligationtobecollectedon?WhyisitthatthereissuchaproblemwithlostMortgageNotesas is claimed by numerous lenders that are trying to foreclosetoday? How could it be that there could be so many lostdocumentsallofasudden?Coulditbethatthedocumentswerentreallylostatall,butwereactuallyturnedintoasourceofrevenuethatwas never disclosed as being a part of the transaction? Tobelieve that somany original documents could be legitimatelylostinsuchashortperiodoftimestretchesthecredibilityofsuchclaimsbeyondbelief.CouldthisbethereasonthatMERS(MortageElectronicRegistrationSystems)wasformedinthe1990sasawaytosupposedlytransferownershipofamortgagewithouthavingto have the original documents that would be required to bepresentedtothevariouscountyrecorders?CoulditbetheyKNEWTHEY WOULDNT HAVE THE ORIGINAL DOCUMENTS FORRECORDING and had to devise a system to get around thatrequirement?Whentheforeclosureactionisfiledinthecourttheattorneyforthepurportedpartyofinterest,usuallythelenderwhoisforeclosing,filesaCOPY oftheDeedofTrustorsimilarInvestment Security with the Complaint to begin foreclosure

proceedings.IsthatCOPYoftheSecurityInstrumentwithintheregulationsofFederalLawunder18U.S.C.474?Isitusuallythesamesizeorverynearly thesamesizeas theoriginaldocument?YesitisandwithoutquestionitisaCOUNTERFEITSECURITY!Whowas it that produced that COUNTERFEIT SECURITY? Who wasinvolvedintakingthatCOUNTERFEITSECURITYtotheCourttofiletheforeclosureaction? Whoisitthatisnowlegallyinpossessionof thatCOUNTERFEITSECURITY? Haseveryone from theoriginallenderdown to theClerkof theCourtwhere the foreclosure isnowbeinglitigatedbeeninpossessionoriscurrentlyinpossessionofthatCOUNTERFEITSECURITY?WhatabouttheTrusteeswhoareinvolved in the process of selling foreclosed properties in nonjudicial states? What about the fact that there is no judicialproceedinginthosestateswherethedocumentationpurportedtobe legalandproper tobringa foreclosureaction canbeverifiedwithout expensive litigation by the alleged borrower? All thetrusteehastodoissendalettertotheallegedborrowerstatingtheyareindefaultandcanselltheirpropertyatpublicauction.ItisjustASSUMEDthattheyhavetheORIGINALdocumentsintheirpossessionasrequiredbylaw.Inreality,inalmosteverysituation,theydoNOT!!! TheyareusingaCOUNTERFEITSECURITYas thebasis to forecloseon aproperty thatwaspaid forby thepersonwho signed the Mortgage Note at the closing table that wasconverted to money by the bank. When it is demanded theyproducetheactualoriginalsigneddocumentstheyalmostalwaysrefuse todo soandask theCourt to take theirword for it that

they have BOTH of the original documentswhich are absolutelyrequired to be in their possession to begin foreclosure actions.Almosteverytimethepeoplethatarebeingforeclosedonareableto convince the Court (in judicial foreclosures) to demand thatthose originaldocumentsbeproduced inCourtby thePlaintiff,the foreclosure action stops and it is obviouswhy thathappens!THEY DONT HAVE THE ORIGINAL DOCUMENTS. They have,instead,submittedaCOUNTERFEITSECURITYtotheCourtastheirproofofclaimtoattempttounjustlyenrichthemselvesthroughablatantlyfraudulentforeclosureaction.Oneoftencitedexampleofthiswas thedecisionhandeddownbyU.S.FederalDistrictCourtJudge Christopher A. Boyko of Ohio, who on October 31, 2007dismissed 14 foreclosure actions at one time with scathingfootnote comments about the actions of the Plaintiffs and theirattorneys.See(ExhibitE).Notlongafterthatcamethedismissalof26foreclosurecasesinOhiobyU.S.DistrictCourtJudgeThomasM. Rose who referenced the Boyko ruling in his decision. See(ExhibitF).Howmanyotherjudgeshavenotbeensobraveastostandon theprinciplesof lawas JudgesBoykoandRosedid,butneedtostartdoingsoTODAY?Has any of this foreclosure activity crossed state lines incommunicationsorotheractivities? Havetherebeenat leasttwopredicateactsofFraudby theparties involved? Have thepeopleinvolvedusedanytypeofelectroniccommunication inthisFraudsuch as telephone, faxing or email? It is obvious that those

questionshavetobeansweredwitharesoundingYES!Ifthatisthecase, then theFraud thathasbeendiscussedhere fallsunder theRICOstatutesofFederalLaw.DidnttheyeventuallytakedownthemobforRacketeeringunderRICOstatutesyearsago? IsittimetotakedowntheNEWMOBwithRICOonceagain?

HOWRAMPANTISTHISFRAUD?How could this kind of situation ever occur in this country?Could it be that this whole entire process could be studiedconcealmentormisrepresentationwherethepartiesinvolvedareresponsibleunderthelawfortheirconduct? Coulditbethatitisno accident that somany wet ink signature Notes cannot beproduced tobackup the foreclosureactions thataredevastatingthis country? Could it be that the overwhelming use ofCOUNTERFEIT SECURITIES, as purported evidence of a debt inforeclosure cases, is BY DESIGN and studied concealment ormisrepresentationsoastostripthepeopleofthiscountryoftheirpropertyandassets?CoulditbethataVERYsubstantialnumberofBanks,MortgageCompanies,LawFirmsandAttorneysareguiltyofoutrightmassiveFraud,notonlyagainstthepeopleofthiscountry,but of massive Fraud on the Court as well because of thisCOUNTERFEITING? How could one possibly come to any otherconclusion after learning the facts and understanding the law?How many other people are implicated in this MASSIVE FRAUDsuch as Trustees and Sheriffs that have sold literallymillions of

homesafterforeclosureproceedingsbasedontheseCOUNTERFEITSECURITIESsubmittedasevidenceofapurportedobligation?Howmany judgesknowabout thisFraudhappeningright intheirowncourtrooms and never did anything? How many of them haveactually been PAID for making judgments on foreclosures?Wouldntthatbeafelonyorattheveryleast,misprisionoffelony,toknowwhatisgoingonandnotacttostopitormakeitknowntoauthoritiesinapositiontoinvestigateandstopit?How is it that so many banks could recover financially, sorapidly, from the financialdebacle of200809,with foreclosuresstillrunningatrecordlevels,andyetpaybacktaxpayermoneythatwasshoweredonthemanddoitsoquickly?Coulditbethatwhentheytakebackaproperty in foreclosurewheretheyneverriskedanymoney and actuallywere unjustly enriched in the previoustransaction, that it is easy tomake huge sums by reselling thatpropertyand thenbeginning thewholeUnconscionableprocessall over againwith a new borrower? How is it that just threeyears ago a loan was available to virtually almost anyone whocouldfogamirrorwithnodocumentationofincomeorabilitytorepaya loan? Commonsensemakesyouaskhowlenderscouldpossibly take thosekindsof risks. Could itbe that theability torepayaloanwasnotanissueatallforthelendersbecausetheywere going to get their profits immediately and risk absolutelynothing at all? Could it be that, if anything, they stood tomakeevenmoremoney ifapersondefaultedon thealleged loan ina

shortperiodoftime? Theycould literallyobtainthepropertyfornothingother thansome legal feesandcourt filingcosts throughforeclosure. They could then resell the property and reapadditionalunjustprofitsonceagain! Onedoesnotneed tohavebeen a finance major in college to figure out what has beenhappeningonceyouareenlightenedtotheFACTS.WHATACTIONSHAVEPEOPLETAKENTOAVOIDLOSING

THEIRHOMESINFORECLOSURE?Therehavebeenanumberofdifferentactionstakenbypeopletokeepfromlosingtheirhomesinforeclosure.Thefirstandmostwidely used tactic is to demand that the party bringing theforeclosure action does, in fact, have the standing to bring theaction.Themostimportantissueofstandingiswhetherthatpartyhas actual possession of the original wet ink signaturedocuments from the closing showing theyare the holder induecourse.Aspreviouslymentioned,inalmostALLcasesthePlaintiffbringingtheactionrefusestomakethesedocumentsavailableforinspectionbytheDefendant inthe foreclosureactionsotheycan,in fact, determine the authenticity of those documents that areclaimed tobe originalandpurportedlygiving the legal right toforeclose.ThefactthattheCourtsallowthistohappenrepeatedlywithout demanding the Plaintiff bring the wet ink signaturedocuments into the court for inspection by theDefendant, begsthequestionofwhethersomeofthe judiciaryareinvolvedinthis

Fraud.WhereisdueprocessunderthelawfortheDefendantwhenthePlaintiffisNOTREQUIREDbytheCourttomeetthatburdenofproof of standing, when demanded, to bring their action offoreclosure?OneotheroptionthathasbeenusedmoreandmorefrequentlyinrecentmonthstodealwithforeclosureactionsistheissuingofaBondedPromissoryNoteorBillofExchangeaspaymenttotheallegedlenderassatisfactionofanyamountsallegedlyowedbytheDefendant.Aswasearlierdescribed,aNoteismoneyandasthebanksdemonstratedaftertheclosing,itcanbedepositedinthebankandconverted tomoney. SOMEof the BondedPromissoryNotesandBillsofExchangeare,infact,negotiatedandcreditisgiventotheaccountsspecifiedandallturnsoutwell.See(ExhibitBpara12) Theproblem thathasoccurred is thatMANYof thelenders say that the Bonded Promissory Notes and Bills ofExchangearebogusdocumentsandareworthlessandfraudulentand they refuse to give credit for the amount of the Note theyreceiveaspaymentofanallegeddebteventhoughtheyaregivenspecific instructions on how to negotiate the Note. Isnt itinteresting thatTHEY can take a Note thatTHEYprint andputbeforeyou to signat the closing tableanddeposit it in thebankanditisconvertedtomoneyimmediately,buttheNotethatYOUissue isworthless and fraudulent? The only difference isWHOPRINTS THE NOTE!!!! They are both signed by the sameborrower and it is that persons credit that backs that Note.

The lenders dontwant the people to know they can use yourPrepaid Treasury Account, just as the banks do without yourknowledgeandconsent.See(ExhibitD)formoreinformationonBillsofExchange.ThefactthatSOMEoftheBondedPromissoryNotes arenegotiated and accounts are settled,proves beyond ashadowofadoubtthattheyarelegalSECURITIESjustliketheonethat thebank got from the borrower at the closing. Why thenarentALLoftheNotesprocessedandcreditgiventotheaccountsandtheforeclosuredismissed?Becausebydoingsoyouwouldbelowering the National Debt and the bankers would make lessmoney!!!!One very interesting thing that happens with these BondedPromissory Notes or Bills of Exchange that are submitted aspayment,isthattheyareVERYRARELYRETURNEDTOTHEISSUERyet credit is not given to the intended account. They are notreturned, and the issuer is told they are bogus, fraudulent andworthless but they are NOT RETURNED! Why would someonekeep something that is allegedly bogus, fraudulent andworthless? Could it be that they are NOT REALLY BOGUS,FRAUDULENT AND WORTHLESS and the lender has, in fact,actually negotiated them for YET EVEN MORE UNJUSTENRICHMENT? That is exactlywhat happens inmany instances.Therecouldbenootherexplanation for the failure toreturn theallegedly worthless documents WHICH ARE ACTUALLYSECURITIES!!! Does the fact that they keep the Note thatwas

submittedand refuse to credit theaccount that itwaswritten tosatisfy,risetothelevelofTHEFTOFSECURITIES? ThisisjustonemoreexampleoftheFraudthatissoobvious.Thisisbutonemoreexample of the ruthless nature of thosewhowould defraud thepeopleofthiscountry.

CONCLUSIONSOneof the incredibleaspectsof thiswholedebacle is the factthattheverypeoplewhoareparticipantsinthisFraudarevictimsaswell. Howmanybankemployees,judges,courtclerks,lawyers,processservers,Sheriffsandothershavemortgages?Howmanyofthe people who work in law offices, Courthouses, SheriffsDepartments andother entities that aredirectly involved in thisFraud have been fraudulently foreclosed on themselves? Howmany people in our military, law enforcement, firefighting andmedical fieldshave lost theirhomes to thisFraud? Howmanyofyour friends or neighbors have lost their homes to thesefraudulentforeclosures?EveryonewhohasamortgageisaVICTIMof this fraud but some of the most honest, trusting, hardestworkingandmostdedicatedpeopleinthiscountryhavebeenthebiggest victims. Who are those who have been the majorbeneficiaries of this massive Fraud? Those with the superiorknowledge that enables them to take advantage of another'signoranceof the law todeceive themby studiedconcealmentormisrepresentation. ThisgroupofbeneficiariesincludesmanyonWallStreet, large investors,andmostnotoriously, thebankersatthetopandthelawyerswhoworksohardtoenhancetheirprofits

andprotecttheFraudbythemfrombeingexposed. Thetimehasnow come tomake those having superior knowledgewhoHAVEtakenadvantageofanother'signoranceofthelawtodeceivethemby studied concealment or misrepresentation to be heldresponsibleforthatconduct.Thisisntjustanidea.ItisTHELAWanditistimetoenforceitstartingwiththecriminalaspectofthefraud! UnderthedoctrineofRespondeatSuperiorthepeopleatthe top of these organizations are responsible for the actions ofthoseintheiremploy.Thatiswheretheinvestigationsandarrestsneedtostart.What is itgoingtotaketoputastoptothedestructionofthiscountryand the livesof thepeoplewho livehere? It isgoing totakeanuprisingofthepeopleofthiscountry,asawhole,tofinallysaythattheyhavehadenough.TheinformationpresentedhereisbutonepartofthebeginningofthatuprisingandthebeginningoftheendoftheFrauduponthepeopleofAmerica. Itisobvious,ashasbeenpointedouthere,withsupportingevidence,thatFraudisrampant. Younowknowthestoryandcanno longersayyouaretotallyuninformed about this subject. This is only an outline ofwhatneedsto,andwill,becomecommonknowledgetothepeopleand law enforcement agencies in this country. If you are in lawenforcement it isYOURDUTY to takewhat youhave been givenhereandmove forwardwithyourown intense investigationandroot out the Fraud and stop the theft of peoples homes. Your

failuretodosowouldmakeyouanaccessorytothefraudthroughyourinactionnowthatyouhavebeennoticedofwhatisoccurring.Ifyouareanattorneyandreceive this information itwoulddoyouwell to take it toheart,andunderstand there isnoplace foryour participation in this Fraud and if you participate you willlikely become liable for substantial damages, if notmore severeconsequencessuchasprison.Ifyouareinthejudiciaryyouwoulddowelltostartfollowingtheletterofthelawifyouhaventbeen,andstartmakingALLof those inyourCourtdo likewise, lestyoufindyourselflookingforemploymentassomanyothersare,ifyouarenotincarceratedasaresultofyourparticipationinthefraud.If you are part of the law enforcement community that enforceslegalmatters regarding foreclosure youwould do well tomakesure thatALL thingshavebeendone legally andproperly ratherthan just taking theposition Iam justdoingmy joband turnablindeye towhatyounowknow. Ifyouareabanker,youmustknow thatyouarenowgoing to startbeingheldaccountable forthedestructionyouhavewreakedonthiscountry.Youhaveeveryrighttobe,andshouldbe,afraid.veryafraid. Ifyouareoneoftheruthlessforeclosurelawyersthathasprayedonthenumerouspeoplewhohavelosttheirhomes,youneedtobeafraidalso.VeryVERY afraid. When people learn the truth aboutwhat you havedone to themyoucanexpect toseeretaliation forwhatyouhavedone. Peoplearegoingtowanttoseethosewhodefraudedthembrought to justice. These are not threats by any stretch of the

imagination. Theseareverysimpleobservationsandthestudyofhuman behavior shows us thatwhen people find out they havebeen defrauded in such a grand manner as this, they tend tobecome rather angry and search for thosewho perpetrated thefrauduponthem.Theforeclosurelawyersandthebankerswillbestandingclearlyintheirsights.The question of WHERE DOES THE FRAUD BEGIN has beenanswered. Itbeganrightattheclosingtableandwasperpetuatedall the way to the loss of property through foreclosure or theincrediblepaymentof20or30yearsofpaymentsandinterestbythe alleged borrower to thosewhowould conspire to commitFraud, collusion and counterfeiting and practice studiedconcealment or misrepresentation for their own unjustenrichment.The simplestofanalogies: Whatwouldhappen ifyouwere tomakeacopyofa$100FederalReserveNoteandgotoWalmartandattempt touse it to fraudulently acquire items that youwanted?You more than likely would be arrested and charged withcounterfeitingunderTitle18USC474andgotoprison. Whatisthedifference,otherthanthemagnitudeofthefraud,betweenthatscenarioand someonewhomakesa copyofamortgage security,andusingitthroughforeclosure,attemptstofraudulentlyacquireaproperty? Shouldnttheybetreatedexactlythesameunderthelaw?Theanswerisobviousandnowitisstartingtohappen.

Title18USC474Whoever,withintenttodefraud,makes,executes,acquires,scans,captures,records,receives,transmits,reproduces,sells,orhasinsuchpersonscontrol,custody,orpossession,ananalog,digital,orelectronicimageofanyobligationorothersecurityoftheUnitedStatesisguiltyofaclassBfelony."FraudvitiatesthemostsolemnContracts,documentsandevenjudgments"[U.S.vs.Throckmorton,98US61,atpg.65].

Itisnotnecessaryforrescissionofacontractthatthepartymakingthemisrepresentationshouldhaveknownthatitwasfalse,butrecoveryisallowedeventhoughmisrepresentationisinnocentlymade,becauseitwouldbeunjusttoallowonewhomadefalserepresentations,eveninnocently,toretainthefruitsofabargaininducedbysuchrepresentations.[Whippv.Iverson,43Wis2d166]."Anyfalserepresentationofmaterialfactsmadewithknowledgeoffalsityandwithintentthatitshallbeactedonbyanotherinenteringintocontract,andwhichissoactedupon,constitutes'fraud,'andentitlespartydeceivedtoavoidcontractorrecoverdamages."BarnsdallRefiningCorn.v.BirnamWoodOilCo.92F26817.Athoroughreadingoftheattachedexhibitswillenlightenoneevenmore,includingExhibitG.

All negatives, plates, positives, digitized storage medium, graphic files, magnetic medium, optical storage devices, and any other thing used in the making of the illustration that contain an image of the illustration or any part thereof are destroyed and/or deleted or erased after their final use Other Obligations and SecuritiesTitle 18 USC 472 Uttering counterfeit obligations or securitiesTitle 18 USC 473 Dealing in counterfeit obligations or securities