ࡱ>  bjbjvv (\ \ ,,,,,@@@8x@::(bbb="_ kbdddddd,ݐb,s==ss>,,bb4>>>s~,b,bb>sb>>乂#pFNٍ<>>n,<sss>ssssssssssss\ :    1 FAITH XXXXXXX Attorney Pro Se Home Save Advocate 2 Faith@Betterquest.com (888) 541-9168 3 SUPERIOR COURT OF CALIFORNIA FOR THE COUNTY OF RIVERSIDE, HISTORICAL COURTHOUSE 4 FAITH XXXXXXXXXXXX CASE NO. 5 __________________________ Plaintiff, 6 vs. BANK OF AMERICA, N.A., CAUSE OF ACTION 7 a Delaware corporation and as successor in interest to 1. FRAUD; 8 COUNTRYWIDE FINANCIAL 2. NEGLIGENCE; CORPORATION, a Delaware corporation, 3. BREACH OF CONTRACT; 9 dba, BAC HOME LOANS SERVICING; 4. PROMISSORY ESTOPPEL COUNTRYWIDE HOME LOANS, INC., 5. VIOLATION OF CALIFORNIA 10 a New York corporation; BUSINESS AND PROFESSIONS RECONTRUST COMPANY, N.A., CODE 1700 ET SEQ 11 California entity of unknown status; 6. VIOLATION OF THE DEUTSCH ALT A SECURITIES COVENANT OF GOOD FAITH 12 MORTGAGE LOAN TRUST 2007-OA4 AND FAIR DEALING DEUTSCHE BANK AG; 7. QUIET TITLE 13 DB STRUCTURED PRODUCTS, 8. VIOLATION OF THE INC.; DEUTSCHE BANK TRUTH IN LENDING ACT 14 SECURITIES INC.; ACE SECURITIES 129C(c)(2)[108] CORP.; WELLS FARGO BANK, N.A.; 9. VIOLATIONS OF 4TH 15 CLAYTON FIXED INCOME AMMENDMENT SERVICES INC; 10. VIOLATIONS OF 5TH 16 US BANK,NA;MERS (MERSCORP); AMMENDMENT INDYMAC BANK FSB 11. PROTECTION UNDER THE 17 a division of One West Bank. SOX ACT SECTION 1107 ONE WEST BANK FSB; 12. VIOLATION OF THE 18 FREDDIE MAC or FANNIE MAE; SECURITIES AND EXCHANGE IRS (US DEPARTMENT OF TREASURY); ACT OF 1934 SECTION C 19 FDIC(FEDERAL DEPOSIT OF INSURANCE SUBPARAGRAPH (B) CORPORATION; 20 and JURY TRIAL IS DEMANDED THE CONSUMER FINANCIAL PROTECTION 21 BUREAU 22 Defendants. / 23 24 REQUEST FOR IMMEDIATE TEMPORARY INJUNCTION; REQUEST FOR PRODUCTION OF DOCUMENT, REQUEST FOR ADMISSIONS REQUEST FOR 25 PROOF OF HOLDER IN DUE COURSE VIA PERFECT CHAIN OF TITLE; PROOF OF PERFECT CHAIN OF ENDORSEMENTS; VERIFICATION OF TRUE PARTY OF 26 INTEREST, VERIFICATION OF RECORDATIONS THROUGH THE SECURITIES AND EXCHANGE COMMISSIONS IN COMPLIANCE WITH TIMELINES ALLOTED. 27 COMPLAINT FOR INJUNCTIVE AND OTHER RELIEF UNDER THE CONSUMER PROTECTION ACTS, COMPLAINT FOR DAMAGE; EQUITABLE RELIEF; PROOF 28 OF RECORDS; AND PROOF OF TAXES PAID. 1 VENUE AND JURISDICTION Venue is proper in this Court pursuant to California Code of Civil Procedure Section 395 (a) 2 because Defendants reside and do business in this County in California, which is also where they committed the unlawful acts alleged herein that affected Plaintiff. This Court has jurisdiction over 3 this action under the California Constitution, Article V, Section 10 because this case is not a cause given by statute to other trial courts. This Court has personal jurisdiction over Defendants because 4 Defendants are authorized to do business in California, Defendants have sufficient minimum contacts with California, and/ or otherwise intentionally avail themselves of the markets in 5 California through promotion and marketing and distribution and the wrongdoings by Defendants that are alleged in this complaint substantially took place in California. This court has subject 6 matter jurisdiction over this action pursuant to California Business and Professions Code 17204 and California Code of Civil Procedure 410.10 which enables the California Superior Court to 7 adjudicate the wrongful exercise of real property rights, and foreclosure rights with respect to property located in California. The Court pursuant to Civil Procedure Rule 24 Request for 8 production of Documents and Civil Procedure Rule 36 Request for Admission and Civil Procedure Rule 17 Real party of interest. Plaintiff cannot separate these request as they are interwoven and 9 could be taken out of context if filed separately. This court is renowned for community outreach. 10 Under California Code of Civil Procedure: 525. An injunction is a writ or order requiring a person to refrain from a particular act. It may be granted by the court in which the action is brought, or by 11 a judge thereof; and when granted by a judge, it may be enforced as an order of the court. Under the Federal Rules of Civil Procedure Rule 36 REQUEST FOR ADMISSION, (3) Time to 12 Respond; Effect of Not Responding. A matter is admitted unless, within 30 days after being served, the party to whom the request is directed serves on the requesting party a written answer or 13 objection addressed to the matter and signed by the party or its attorney. Should no contest be presented in regards to the above or below RECITALS specifically outlining these requests to 14 proof their claim that they are in fact a TRUE PARTY OF INTEREST to the requested agencies for review, will constitute Admissions to all RECITALS as truth herein, Plaintiff is asking these 15 companies to further provide proof that any one of these RECITALS are false in any way, in a court of law, and through the Attorney General Office specifically set up to address this mortgage 16 crisis. Plaintiff is now hereby invoking her rights under the Federal Rules of Civil Procedure 17. (a) Real Party in of Interest. (1) Designation in General. An action must be prosecuted in the name 17 of the real party in interest. The following may sue in their own names without joining the person for whose benefit the action is brought: (A) an executor; (B) an administrator; (C) a guardian; (D) 18 a bailee; (E) a trustee of an express trust; (F) aparty with whom or in whose name a contract has been made for another's benefit; and (G) a party authorized by statute. 19 First Cause of Action 20 Plaintiff desired a judicial determination and declares that plaintiff did not breach the terms and conditions of the promissory note or deed of trust, that in Fact Defendants breached not only the 21 terms and conditions, but also the fiduciary trust of Plaintiff and that an actual controversy exists between Plaintiff and Defendants. 22 Second Cause of Action 23 Defendant Bank of America and HSBC through Recon Trust are acting and intend to sell, unless restrained, will sell the Property located at XXXXXXXXXXXXXXXXXXXXXX on 1/25/12 24 at 9am. Further, that the trustee failed to comply with State non-judicial foreclosure procedures. Such a judicial determination is appropriate at this time so that the Plaintiff may determine her 25 rights and duties before the Property is sold at a Trustee Sale. 26 The trustees sale is wrongful and should be enjoined. Plaintiff has no other plain, speedy, or adequate remedy, and the injunctive relief requested for this Complaint is necessary and 27 appropriate at this time to prevent irreparable injury and loss to Plaintiffs Property. Plaintiff has enclosed Prima Facia Exhibits for the courts review attached hereto. Exhibits Summary 28 1 Third Cause of Action Plaintiff re-alleges and incorporates contained within the First and Second Cause of Action. A 2 controversy exists between Plaintiff and Defendants with respects to moneys owed, however Defendants refuses to provide accurate accounting or allow Plaintiff to audit the books and records 3 as they relate to Plaintiffs loan. As a result, the correct amount of moneys owed cannot be determined. Further because of all the different transfers validity of the security needs to be 4 verified. 5 Wherefore Plaintiff demands judgment as follows: That the Court issue a declaration to the rights and duties to the trustees sale because the trustee failed to properly follow the foreclosure procedures under CALIFORNIA CIVIL CODE 2924 and that the validity of this loan is currently in dispute. 7 B. That the court issue a temporary restraining order, preliminary injunction, and permanent 8 injunction restraining the Defendants, their agents, attorneys and representatives, and all persons acting in concernt to be sold Property either under the power of sale clause contained 9 in the deed of trust of by a judicial foreclosure action. 10 C. That the court order Defendants, BANK OF AMERICA, N.A. a Delaware corporation and as successor in interest to COUNTRYWIDE FINANCIAL CORPORATION, a Delaware 11 corporation, dba, BAC HOME LOANS SERVICING; COUNTRYWIDE HOME LOANS, INC., a New York corporation; RECONTRUST COMPANY, N.A.,a California entity of 12 unknown status; DEUTSCH ALT A SECURITIES MORTGAGE LOAN TRUST 2007-OA4 DEUTSCHE BANK AG; DB STRUCTURED PRODUCTS, INC.; DEUTSCHE 13 BANK SECURITIES INC.; ACE SECURITIES CORP.; WELLS FARGO BANK, N.A.; CLAYTON FIXED INCOME SERVICES INC; HSBC BANK USA, NATIONAL 14 ASSOCIATION; US BANK,NAMERS (MERSCORP) FREDDIE MAC or FANNIE MAE; INDYMAC BANK a division of One West Bank, ONE WEST BANK; FSB IRS (US 15 DEPARTMENT OF TREASURY);and FDIC(FEDERAL DEPOSIT OF INSURANCE CORPORATION with regards to their claim XXXXXXXXXXXXXXXXXXXXXX 16 under Federal rule 1002 the original Promissory Note signed by Plaintiff on MAY 3RD, 2007. 17 D. That the court order proof of a perfect chain of title, a perfect chain of endorsements with no 18 blank endorsements, proof of transfers of true sales via proof of purchase of the note from the DEPOSITOR via delivery the endorsed note to show transfer of legal ownership of the 19 negotiable instrument from COUNTRYWIDE BANK, FSB to DB STRUCTURED PRODUCTS, INC from DB STRUCTRUED PRODUCTS INC to ACE SECURITIES 20 CORP and again from ACE SECURITIES CORP to US BANK NA as trustees for the certificate holders of DUETSCHE ALT-A SECURITIES MORTGAGE LOAN TRUST 21 2007-OA4 clearly evidenced as receipt thereof to all recipients in turn, the DEPOSITOR will have to further show proof of ownership of the note prior to its resale, fully disclosed 22 and intact terms on said note, and unequivocal proof that any of the above listed Defendants are the holder in due course or party of interest authorizing Recon Trust to foreclose on the 23 property located at XXXXXXXXXXXXXXXXXXXXXX. 24 E. That the Court Request for HSBC BANK, USA, NA to verify their position as Substitute Trustee for the DEUTSCHE ALT-A SERIES MORTGAGE LOAN TRUST 2007-OA4 as 25 the PSA (Pooling and Servicing Agreement) clearly designate US BANK USA, NA is the designated Trustee. At this point a copy of the Note is requested via a QWR and made 26 available for review, as contractual warranties were made to having good and transferable title to the Securities and Exchanges Commission. 27 F. That the Court order Proof that these parties or that REMIC (Real Estate Mortgage 28 Investment Conduits) offered out by Freddie Mac or FANNIE MAE ever paid taxes on this note. 1 G. That the Court order Proof that Time Statutes for the Pool Servicingdid not expire on this note. Proof that this loan has not in fact been offset as a bad debt, and that Bank of America did 2 not purchase this loan at a substantial discount by providing accounting records of the chain of action leading to this event to determine the amount, if any is actually owed by Plaintiff. 3 H. That the Court order Proof the Bank of America did not use TARP funds (Troubled Asset 4 Relief Program) to acquire Countrywides assets or equity. 5 I. That the Court order Proof that MERS invested monetary compensation entitling them to be the Beneficiary of said note and Proof that this note was NOT paid through the pass through in the 6 secondary market by MERS, refinanced and again paid through the pass through of MERS a second time, nor again when Bank of America used TARP funds in the acquisition of 7 Countrywide. 8 J. That the Court order proof that RECON TRUST is an arms length third party properly licensed to do business in the State of California. 9 K. That the Court Request of admissions of FDIC they In Fact had Andrew S. Bently (Attorney) 10 sign an Assignment of Deed and that they were aware of the deed transfer to DEUTSCHE ALT-A SERIES MORTGAGE LOAN TRUST 2007-OA4 by HSBC on Behalf of BANK OF 11 AMERICA and in fact consented to the transfer of the Deed of Trust thereto. 12 L. That the Court order proof that the CONSUMER FINANCIAL PROTECTION BUREAU had Specific Facts Under The Federal Rules of Civil Procedure Rule 65 (b) (A) to shut down a line 13 of defense for the consumer insinuating in court only the suspicion of US Muslim Citizen, Case XXXXXXXXXXXXXXXX that nearly shut down Plaintiffs access to the enclosed evidence. 14 M. That the Court order US BANK to provide a list of authorized signers on behalf of MERS from 15 US Bank on and before 3/20/12; and in kind MERS to provides a list of authorized signers on their behalf from US BANK on and before 3/20/12. 16 N. That the Court request to produce these requests, within thirty (30) days of the service hereof 17 at XXXXXXXXXXXXXXXXXXXXXXXX , To the State Attorney General Kamala Devi Harris, andKatherine Porter the CA Monitor for the National Mortgage Settlement care of 18 the Attorney Generals Office, and at California Department of Justice P.O. Box 944255 Sacramento, CA 94244-2550 AND directly to this Historic Courthouse 4050 Main Street, 19 Riverside, Ca. 92501, CA 92701-4516 20 INTRODUCTION OF PARTIES INVOLVED This case concerns a home loan that Originated by COUNTRYWIDE BANK, FSB 3/06/2006. The 21 loan was Assigned to MERs Inc as a beneficiary and to Recon Trust as a Trustee. That was refinanced and again Originated by COUNTRYWIDE BANK, FSB 5/14/2007. The loan was 22 Assigned to MERS Inc as a beneficiary and to Recon Trust as a Trustee. Reconvened on 5/31/2007 by COUNTRYWIDE BANK listing MERs Inc as a beneficiary and to Recon Trust as 23 a Trustee. INDYMAC BANK FSB Secondary Lien Home Equity Line recorded on 9/11/2007, then 12/11/2009 Assignment of deed of trust crossing out a title stating ASSIGNMENT AND 24 TRANSFER OF NOTE AND SECURITY INSTRUMENT to the FEDERAL DEPOSIT INSURANCE CORPORATION again crossing out the after recording section which listed ONE 25 WEST BANK, FSBC attn. Trailing Docs 7700 PARMEL LANE AUSTIN TX 78729 loan number 127677685/ 8800779889 Mers as nominee for lender and it assigns on 9/16/2011, to Bank of 26 America where MERS recognized the assignment, on 3/20/2012 the assignment of the Deed of Trust was from to Bank ofAmerica transferred to HSBC BANK USA, NA as trustee for the 27 holders of DEUTSCHE ALT-A SERCURITES INC MORTGAGE LOAN TRUST MORTGAGE PASSTHOUGH CERTIFICIES SERIES 2007-OA4 the same day 3/20/2012 RECON TRUST, a 28 subsidiary of BANK OF AMERICA filed a Notice of Default referencing HSBC BANK USA, cont 1 NATIONAL ASSOCIATION AS TRUSTEE FOR THE HOLDERS OF DEUTSCH ALT-A SERIES,INC MORTGAGE LOAN TRUST, MORTGAGE PASSTHROUGH CERTIFICATES 2 SERIES 2007-OA4 C/O BANK OF AMERICA; 6/27/2012 RECON TRUST filed a notice of Trustee Sale. That further this instrument was sold to DB STRUCTURED PRODUCTS, Inc 3 further sold to ACE SECURITIES CORP further sold to DEUTSCHE ALT-A SECURITIES MORTGAGE LOAN TRUST 2007-OA4. The formation of DEUTSCHE ALT-A SECURITIES 4 MORTGAGE LOAN TRUST 2007-OA4 was subject to the Pooling and Servicing Agreements (PSA) cut off dates, dated June 1st 2007. FREDDIE MAC OR FANNIE MAE as listed upon the 5 recorded documents. IRS for verification of IRS Code 860 as applicable to Defendants and suspicious timing of audits. Consumer Financial Protection Bureau for outside interference 6 in uncovering truths. 7 RECITALS Whereas Plaintiff, was a loan broker who brokered to Countrywide and briefly worked with Bank 8 of America, who has in depth understanding of the mortgage industry and can better act as an EXPERT WITNESS in this matter than the normal Layman or Attorney for the purpose of future 9 case studies pertaining to matters of this nature. 10 Whereas Plaintiff was considered a Volunteer Federal Witness in a criminal investigation of lending fraud within the Riverside and surrounding areas by the US Department of Justice. 11 Exhibit F 12 Whereas Plaintiff, through her rights under the US Constitution is acting as an Attorney Pro Se. on principle. An Attorney Pro Se cannot be de-barred and is the most powerful defense the 13 Layman has left against the banking industry under the passing of the Freedom of Information Act. This act further allows under section (a) (4) (E) awards as a matter of law. 14 Whereas Plaintiffs previous written request under her rights via USC Title 15 Section 1692 retuned 15 no clear documentation provided to support Bank of Americas or Recon Trusts rights to foreclose. 16 Whereas the provided Securitization Audits that clearly show the Pooling Service Agreements, the Securitization Purchase Agreements, the Mortgage Pool and the Prospectus provided herein as 17 Exhibit A do not evidence a perfect chain of title as the note and the deed clearly did not follow each other up front, nor via the timelines outlined in the introduction, nor was there proper 18 recordation of title or endorsements of title. The note and deed were clearly bifurcated. 19 Whereas Plaintiff has been acting as a home save advocate for the last several years and has witnessed these events taking place to people across the nation in addition to her own foreclosure 20 of her previous primary residence in Washington State prior to her relocation back into California as well as the current wrongful foreclosure tactics being used on the above referenced property. 21 Whereas the real party of interest was not proven to Plaintiff via her repeated request for this 22 information and her additional REQUEST FOR ADMISSIONS to Bank of America below, nor to her dispute of debt the dispute of the Notice of Default and her dispute of Foreclosure proceedings 23 to show proof that any parties were a Holder in Due Course. The following Request was made. 24 1) You admit that you are a servicer of the promissory note. 2) You admit that the loan has been securitized. 25 3) You admit that you are not a real party of interest in this controversy. 4) You admit that you are a debt collector and not the original creditor. 26 Whereas requests are now additionally being made, via this CIVIL Request, to show proof that 27 both the Deed of Trust (Mortgage) and the Promissory note, have in fact always pointed to the same party at ALL times and that Bank of America or Recon Trust has the authority or ability to 28 exercise the Due on Sale Clause, or that any of the above listed Defendants are a true party of interest in this note after fully reviewing the Recitals here within. 1 Whereas the Massachusetts Supreme Court issued a decision in US BANK NATIONAL ASSOCIATION vs ANTONIO IBANEZ in which all the Justices unanimously agreed. In order 2 for a bank to be able to foreclose they MUST show a perfection of chain of title, both in the Deed of Trust/Mortgage and the Promissory note. It was also ruled that a blank assignment was not 3 acceptable proof of perfection of title for the promissory note. 4 Whereas under FEDERAL Rule 2003 states, The Bank must show a Perfection of the Chain of Title for the Deed of Trust (Mortgage). This means that any assignment of the Promissory note 5 must also be reflected at the county recorders office (and not with MERS). If an assignment of the Promissory note is not recorded on the County Records, then perfection is not achieved. 6 Whereas the enclosed securitization audit clearly outlines what is currently on title today for the 7 review of this court to ensure the documents, if any, to the contrary are in fact legitimate. All Plaintiffs Prima Facia documentation supports Breach of Contract, Imperfect Chain of Title, Fraud, 8 Willful intent to do harm, premeditated intent to do harm wrongful foreclosure actions AND Securities Fraud. Exhibit E 9 Whereas Bank of America and Recon Trust both withheld the documentation for the corporation 10 transfer of the note from Bank of America to HSBC from Plaintiff upon her requests to provide proof of the Holder in Due Course and that they are a legitimate original owner of the debt U.C.C.- 11 ARTICLE 3 3-302 t. 12 Whereas Bank of America is acting as a servicer, for a Countrywide debt that has already been paid through the MERS pass-through, refinanced and again paid through a second MERS pass- 13 through, then further paid a percentage through the REMIC stock conversion under a previous performing stock each time, and again paid off through the use of TARP funds by Bank of 14 America to acquire Countrywide sold back to Bank of America by the REMIC when the Asset was no longer performing. Further that this debt has in fact been discharged under Federal 15 Bankruptcy filing XXXXXXXXXXX. Exhibit D 16 Whereas Plaintiff has been forced to file XXXXXXXX Exhibit D cont. as a result of wrongful foreclosure and wrongful collection activities where Plaintiff again informed the Trustee and Judge 17 that Plaintiff was requesting protection under Section 1107 of the SOX (The Sarbanes-Oxley Act of 2002). The transcripts will show this court the length HSBC went to restrict Plaintiffs 18 liberties and have been ordered for further review by this court. 19 WHAT COURTS ALREADY MAY KNOW Whereas when Countrywide securitized this loan via the use of MERS (the Mortgage Electronic 20 Registration System) the bank (Countrywide) was automatically paid 1.05 to 1.5 times the actual lent amount within days after the closing of the home. 21 Whereas MERS - Mortgage Electronic Registration System, Inc., found in thousands (or hundreds 22 of thousands) of mortgages and deeds of trust was suspended from doing business in California and the Agent for Service of Process resigned March 25, 2009. A corporation is a fiction of the 23 state that remains alive and draws its lifeblood from the state, and once the state pulls the plug, it dies. Making all MERS transactions Voidable in the State of California. 24 Whereas to be a beneficiary, one has to put up the money to fund the loan. MERS never fronted a 25 single dime for the loans they electronically passed. They were there solely for the purpose of tracking transfers. MERS recordation is not official. They only legally recognize that the 26 recordation on public record is with the county. MERS is never a Holder in Due Course. No promissory note was EVER assigned to them. Only a real and beneficiary party in interest may 27 assign a promissory note, appoint a substitution of trustee or assign a Deed of Trust. 28 Whereas Countrywide and Mers committed Breach of Contract under section 23 Reconveyance of the original contract and committed Bifurcation. The exact terminology under the contract reads cont 1 as follows Upon payment of all sums secured by this Security Instrument. Lender shall request Trustee to reconvey the Property and shall surrender the Security Instrument and all notes 2 evidencing debt secured by this security agreement to trustee. This was not done either time. 3 Whereas there is no legal protection in the contract pertaining to borrowers protection of Interest in the Property only that of the lender under section 9. Therefore Plaintiffs ownership interests have 4 been compromised and this misconduct and bifurcated recordings have created a cloud on title. 5 Whereas when Mers transferred this loan and Bank of America took over Countrywide the note became unsecured and the deed of trust became worthless as it created bifurcation which is a 6 violation of State law. Further the issue of a Defective Instrument must be acknowledged. No loan assignment was properly done. A lender simply cannot reverse engineer the title of the Deed of 7 Trust or Promissory note converted into a stock to correct these issues. 8 Whereas MERS passed through this loan to REMIC offered by FREDDIE MAC and this loan was paid by REMIC in full and converted to an Asset through the Securities and Exchange 9 Commissions where these REMICs placed this loan into a SPVs (special purpose vehicle) in order to avoid double taxation under IRS Code 860, thereby taxing only the shareholders. 10 Whereas the Real party of interest has to pay taxes on their interest earnings. Meaning only the 11 Shareholders who paid taxes on their earnings are the true party of interest. Explained further below. 12 Whereas a promissory note is ONLY enforceable in its whole entity. Therefore Bank of America 13 is trying to enforce and wrongful foreclosure on the above listed property. NONE OF THE DEFENDENTS are a party of interest in this note, NONE OF THE DEFENDENTS are a Holder 14 in Due Course, NONE OF THE DEFENDENTS can provide a Perfect Chain of Title to this property and NONE OF THE DEFENDENTS can legally foreclose on this property. 15 Whereas when a REMIC is formed, its assets (the Plaintiffs note plus thousands of other notes) are 16 declared a permanent fixture to the REMIC. Which means that once an asset is registered and traded as part of the security it can not be switched out or switched back to a note because it 17 has become a permanent fixture to a traded asset. Plaintiff refinanced an original Countrywide negative Amortization, Mers transferred REMIC note in attempts to defer the triggering of the 18 amortization payments which created additional unforeseen hardships to the Plaintiff. Under the rules of the Securities and Exchange Commission as the converted Asset (Note) has the above 19 listed property clearly outlined and is named in the Asset (Note) itself. No other option was available to Plaintiff as she could not qualify in any other capacity for any other program. Further 20 detailed below. 21 Whereas when a loan goes into default, the REMIC writes it off. Once an asset is written off, the shareholders receive a tax credit from the IRS. This means the debt is settled and the note is gone, 22 PERIOD. The shareholders, (being the ONLY true party of interest) have been paid and this debt along with millions of others, have been settled by the IRS themselves. 23 UNUSUAL CIRCUMSTANCES SURROUNDING PLAINTIFF 24 Whereas Plaintiff was notified of an IRS Audit in October of 2012 after her repeated requests for information from Recon Trust and Bank of America, where her attendance was demanded to take 25 place in the State of Washington after the Plaintiffs relocation to California in which the Plaintiff was not allowed to transfer the audit into the State of California upon Plaintiffs request for proper 26 review with her tax preparer, for a total imposed sum of $19,618. The standard Attorney Retainer for case of this nature is $20,000 and this imposed debt was included under the Chapter 13 27 bankruptcy filing listed herein as the IRS preparer acted sue sponte and violated Plaintiffs rights under 15-1-222 Taxpayer bill of rights to be allowed representation and proper consideration after 28 Plaintiff requested transfer of the audit to California for proper review. 1 Whereas a temporary retraining order was issued on the Order of the Consumer Financial Protection Agencies request, on behalf an undisclosed source after Plaintiff relayed comments to 2 BANK OF AMERICA of Plaintiffs intent to file Litigation against them. The compliant was directed at the very place help was being offered to Plaintiff in the outline of her suit being filed in 3 this court further impacting Plaintiffs liberties in the uncovering of specific truths in the compilation of this suit for the purpose of due process. These actions will again potentially enable 4 wrongful foreclosures against other innocents by the banking industry. Plaintiffs Social Security card was on site, and Plaintiffs BK-case was dismissed for not being able to produce the Social 5 Security card along with the inability to have filed this suit in a timely manner per the Temporary ex parte injunction filed. The HSBC bank attorney, was throwing everything at the Bankruptcy 6 Judge to dismiss this case, INCLUDING going so far as to tell the judge that the loan number was incorrect on the filing. Enclosed is the Schedule F showing the correct loan number per the 7 enclosed Bank of America mortgage statement. Plaintiff referenced an additional number that was attached to the loan through one of the documents also provided to her by the banks to make 8 sure there was no error in the filing. Your honor, if these banks are willing to outright lie On Record in a Court of Law and go to such extreme lengths to restrict Plaintiffs liberties as to lay 9 claims as a last resort that the loan number is not properly reflected in the filing, is this not in fact outright evidence of their willful and deliberate attempts to do harm to Plaintiff? 10 Whereas Plaintiff was acting in an Advocacy and training capacity on verification that the same 11 underwriting of HAMP loans arising from declined loan modification complaints made by consumers, were in fact approvable so that they could be properly submitted through the US 12 Department of Treasury along with the very same audits presented here today to show merit and standing. These audits are the ONLY defense the Laymen have against these wrongful 13 foreclosures and unethical conduct of the banking industry, they show forgeries, fraud, bifurcation and disintegration of Mortgages. This Civil Suit is an WAKE UP CALL to show others how to 14 actually stand up in their rights, because this is what it has come down to. The burden to prove the consumers innocence has fallen to the consumer themselves. 15 Whereas Plaintiff witnessed the Ascertaining of Specific facts that pertained to the operation of 16 this business ON SITE during the Raid, as the Consumer Financial Protection Agency issued an ex parte blanket order referencing loan modifications and loan companies under the Consumer 17 Financial Protection Act (CFPA) upon a small business owner. This owner did not specifically do loan modifications, but offered out audits for profit, as the one presented here today to allow the 18 consumer a fighting chance against the banks, with a further option to help file civil complaints with the US Department of Treasury to help restructure their loans. From there she would work 19 with the banks to ensure delivery of documentation on behalf of the clients as the banks often would lay claims of non-delivery of consumers information. Your Honor, what are the odds, of a 20 full blown Sheriffs raid by the National Consumer Protection Agency after a person who was considered a volunteer Federal Witness tells the Banks Attorney whom she had conveyed this 21 information to, that the Plaintiff was going to bring a lawsuit against them? Further, what are the odds, that the Plaintiff would also be hit with an audit she was not allowed to defend or participate 22 in? Plaintiff is aware that these actions are based in circumstance, but again, what are the ODDS, one is an eyebrow raised, they other is just to much of a coincidence to ignore. Liberties are being 23 violated and these Federal Agencies are being played. 24 Whereas the specific comment made by the judge was, this was much to do about nothing. Who ever did this to this agency, made this agency look like fools in from of that judge. 25 While Plaintiff understands the need for consumers rights to be protected, Plaintiff also knows that removing any line of defense enables Defendants to continue the perpetuation of their activities 26 and stands firm in her belief that a line of defense to the consumer is absolutely necessary in the financial and economic environment we are currently in. Plaintiffs inclusions of their actions in 27 this suit is just, if nothing else but to remind them of who they are and what they stand for under advisement. They are in charge of Protecting this Plaintiff per their title and their cause allowed to 28 them under the Consumer Financial Protection Act of 2010, where the SOX act again is clearly listed under this act as plaintiff was building a viable case that would help them with their efforts. 1 Whereas upon further inquiry to the US Department of Treasury, they too are acting as a Modification Agency on behalf of the banks. Plaintiff reiterates, in Plaintiffs professional opinion 2 after witnessing the history of this Mortgage Crisis, LOAN MODIFICATIONS DO NOT WORK. They are a temporary solution to a much deeper problem, that create a false sense of security. 3 4 DEFENDANTS DELIBERATE WITHHOLDING Whereas It is clearly being evidenced via their current withholding of what appears to be back- 5 dated pass through to 2007 directed to HSBC and record in 2012 filed concurrently with a NOD from RECON TRUST where it seems that the FDIC transfered title in between, this filing 6 named HSBC acting ON BEHALF OF BANK OF AMERICA again showing this clearly on title, evidencing collaboration, to try and correct and position this lien to sell off to collect the insurance 7 of 70%-80% of the value of the note to the FDIC (Federal Deposit Insurance Corporation). For clarity and to reiterate, it would appear that when INDYMAC Aka ONE WEST BANK seemingly 8 recording a document on behalf of the FDIC on their internal banks form that transfered title to the FDIC. Then BANK OF AMERICA in an attempt to correct their paperwork to un-bifurcate the 9 note to override the recorded document Recorded the Deed of Trust back dating it to the DEUTCH ALT A SECURITIES INC MORTGAGE LOAN TRUST, MORTGAGE PASS 10 THOUGH CERTIFICATES SERIES 2003-OA4 over FIVE YEARS beyond the Pooling and Servicing agreements. This would position the property to initiate a payout worth 11 1.2-1.4 million dollars to them by the FDIC, when the homes true value is $606,200 via EQUATOR, the company acting as a service to expedite short sales as a Show of good faith per 12 their mandated requirements under current law. EQUATOR has since removed all email records of the enclosed valuation of this home and BANK OF AMERICA is currently attempting to re 13 valuate the property to a higher amount. 14 Whereas it does not take a rocket scientist to see that a corporation pass through of a deed of trust recorded 3/20/12 , that was Supposed to follow the note attached to asset listed in DEUTCH ALT 15 A SECURITIES INC MORTGAGE LOAN TRUST, MORTGAGE PASSTHROUGH CERTIFICATES SERIES 2007- OA4 recorded on title five years after the fact, pretty much 16 Exceeds the Pooling and Servicing Agreements (PSA) cut off dates, dated June 1st 2007. When Exactly were the pooling agreements going to be honored? Because the last Plaintiff looked, 60- 17 90-120 days were the norm. It is these winks and nods that have gotten us in this financial debacle in the first place. 18 Whereas Recon Trust is acting as a beneficiary under HSBC blessing in care of Behalf of Bank of 19 America through the (Notice of Default) on said property with the same filing date as the backdated 2007 pass-through to HSBC recorded in 2012 exceeding proper timelines for recording 20 their instrument 0n 3/30/2012 FIVE YEARS LATER to do what? Claim race-notice recordation? Not likely. Sirs, right now judges are allowing these deed transfers that breach the 21 pooling agreements to stand based upon Defendants mutual agreements to accept the deed back into the trust. This needs to stop now and here is why 22 Whereas on 9/11/2007 a Home Equity Line of Credit Deed of Trust was recorded on title by INDYMAC BANK 23 Whereas On March 19, 2009, the Federal Deposit Insurance Corporation (FDIC) completed the 24 sale of IndyMac Federal Bank to One West purchased many assets from the Independent National Mortgage Corporation, after it filed for Chapter 7 bankruptcy. 25 Whereas on December 11, 2009 an altered ONE WEST bank form crossed out the words 26 Assignment and Transfer of Note and Security Instrument and replaced it with the verbiage Assignment of Deed of Trust. Honorable Judge, this document recorded on title acts as a 27 transfer of a full deed, and not an Equity line of credit Deed of Trust. Further it bifurcates the second. Sirs, Andrew Bently Attorney in Fact, is not listed in the California State Bar of 28 Attorneys. Yet he is acting on behalf of the FDIC to take priority placement on this property. This means that the FDIC must also agree to the transfer of the deed into the DEUTCH ALT A cont 1 SECURITIES INC MORTGAGE LOAN TRUST, MORTGAGE PASSTHROUGH CERTIFICATES SERIES 2007- OA4 on a wink and a nod. IF they did so, then that are acting 2 with the knowledge that a 1.2 million dollar pay out is being positioned in full awareness that the properties worth is only $606,200. If they are not aware or did not give their permission, then 3 BANK OF AMERICA, ONE WEST BANK, HSBC, COUNTRYWIDE, and the affiliates assigned to DEUTCH ALTA SECURITIES INC MORTGAGE LOAN TRUST, MORTGAGE 4 PASSTHROUGH CERTIFICATES SERIES 2007- OA4 are in collaboration to commit insurance fraud. Sirs, it is Plaintiffs belief that HSBC, BANK OF AMERICA who acquired 5 COUNTRYWIDE, and ONE WEST who acquired INDYMAC waited close to three years, banking on the statue of limitations for fraud so that they could not be prosecuted by the FDIC for 6 fraud committed, as the FDIC is currently trying to prosecute Countrywide for the same types of fraud already committed to collect the insurance on bad loans. So if the FDIC was not a party to 7 this, then let this be their testimony of a FRAUD uncovered in action to allow this to stand in their other suit. Honorable judge, this act is at Felony fraud levels either way it stands regardless of 8 Plaintiffs Federal volunteer efforts interfering, as she simply could not come forward any sooner for her own safety. Even if you hold to the three year statue, a volunteer Federal Witness is pretty 9 much an allowable detainment for evidence to be brought forward in cases concerning fraud sir and it allows this to stand if it is in fact a forged document on behalf of the FDIC. 10 Whereas Even if you blindly overlook this blatant act, the only evidence of the debts security is 11 through the endorsements or a receipt to take possession of the note. Without a proper chain of endorsements, there is nothing more here than a promissory note. 12 Whereas there is absolutely no Deed of Trust filed with the first Original Countrywide loan. There 13 are no exact matches that can be brought forward to show that this was a valid note on a valid Mortgage backed security. The pressures of the adjustable to the predatory under-disclosed rate of 14 8.675 forced a refinance on an invalid security instrument. Immediately again breaching contract upon inception. 15 Whereas if this trust that was created through a MERS pass-through, that owns your loan was 16 selling MORTGAGE BACKED SECURITIES, how exactly was it selling these securities if it didnt own the MORTGAGE?! The certificates are not called unsecured promissory note 17 securities theyre called MORTGAGE BACKED SECURITIES. Thats how they got a AAA rating, by being secured and protected by the property to which the note was secured. Without the 18 mortgages, the entire Trust and its multi-billion dollars of assets become unsecured and high risk. So by THEIR definition of the Trust alone, these MBS Trusts have to own the mortgage on which 19 it relies to sell a AAA Certificate. And if it owns the note, then it had to have acquired the mortgage in order to make the note secured and in turn, to legitimately call their issued certificates 20 Mortgage backed securities. In Exhibit A you can clearly see under the excel column AD or if you flip through the pages provided, you will see that the majority of the Assets listed in this 21 particular trust have the classification of foreclosoureBankruptcyREO 22 Whereas Taking that to the next step .. .why did the banks create MERS if they didnt need to have the security interest tracked and transferred? This is why MERS is solely a nominee of the lender 23 and its assigns because it cant actually retain the security interest in the mortgage it can only be an agent for the entity that actually does have the interest in the mortgage! If it wasnt merely an 24 agent, you would have the same problem, where the mortgage is separated from the note and the collateral becomes unsecured. This demonstrates Securities Fraud your honor. 25 Whereas the ONLY defendant with Plausible Deniability of awareness of these types of activities 26 is the FDIC but is highly suspect under these circumstances or the IRS for the complexities these acts would not necessarily be known and of course the Consumer Financial Protection Bureau who 27 does not apparently have the time to look at the details of a Situation Prima Facia. 28 Whereas a forensic audit Exhibit B was performed on the above referenced refinanced note, and cont 1 the following findings were uncovered. The Annual Percentage Rate (APR) was under disclosed by 1.48900, the finance charge was under disclosed $662,502.47, the amount financed was under 2 disclosed $6,586.16 for a total of $669,088.63, an amount of fraud that exceeds the current market value of the home and evidences damage to the Plaintiff. 3 4 Whereas neither the first or the second have the proper signed documentation of the Plaintiffs right to cancel on either the first or the second, violating Regulation Z 226.5(a)(1) and 226.17 (a) (1), 15 5 USC 226.15 (b) and 226.23 (b) 6 Whereas In the Event of a foreclosure, the consumer may exercise the right of recession if the disclosed finance charge is understated by more than $35. Plaintiff hereby and additionally once 7 more rescinds and rejects these notes as valid under these regulations via this Civil filing and via the additional proof of Breach of Contract and Willful direct and indirect actions causing harm to 8 the Plaintiff by the majority of these Defendants. 9 THE SCHEME 10 Whereas under page 14 of the Securitization audit under Exhibit A what happens behind the scenes is finally revealed. The issuing entity DEUTSCHE ALT-A SECURITIES MORTGAGE 11 LOAN TRUST 2007-OA4 converts the pass through from Countrywide by Mers and converts the note into a Mortgage Backed Security (MBS) via the use of an underwriter, in this case 12 CLAYTON FIXED INCOME SERVICES INC. The Underwriter endorses the note as acceptable under the Securities and Exchanges into an Asset Class and permanently attached the newly 13 transformed Asset into the Trust or REMIC. A new trustee is named on behalf of the new trust created, in this case US BANK,NA creating a conflict of Trustees. From there a Depositor is set up 14 to take the now tradable stock for the investors to purchase, in this case ACE SECURITIES CORP and a custodian is appointed who is responsible for safeguarding the Trusts Assets. A master 15 Servicer in this case WELLS FARGO BANK, NA issues the payouts and take ins on the performing Asset a Seller is appointed to offer out the Asset to a variety of investors in this 16 case DB STRUCTURED who essentially offers the Asset out to a multitude of investors which dissolves the note in its entirety. The Trust or REMIC further to avoid double taxation that arises 17 from the income as a result of the interest on the mortgage payments from the performing Asset they convert these Assets into Special Purpose Vehicles, and pass the taxes to the 18 Shareholders of the Asset. Now here is where it gets interesting, the seller DB STURCTURED PRODUCTS INC will then offer the product out through a Pass through RATE which is not of the 19 original note, but of a One Month Libor, if the Asset Product is a pay-option Asset it is offered out on a Rigged Libor. The Banks had control of the Payouts allotted to their investors. The proof is in 20 the Prospectus under Exhibit A on the very first page. 21 THE POTENTIAL SOX RECTILES Whereas Section 1107 of the SOX (The Sarbanes-Oxley Act of 2002) provides legal protection for 22 those who report situations that may involve securities fraud. It states: Whoever knowingly, with the intent to retaliate, takes any action harmful to any person, including interference with the 23 lawful employment or livelihood of any person, for providing to a law enforcement officer any truthful information relating to the commission or possible commission of any federal offense, 24 shall be fined under this title, imprisoned not more than 10 years, or both. Plaintiffs livelihood has definitely been affected. Honorable judge, Plaintiff had to endure a RAID by the CFPA by an 25 unknown source in an attempt to quite this Plaintiff. Plaintiff hereby invokes this now as she believes what she has witnessed may involve an unconsidered securities fraud issue and Plaintiff 26 feels duty bound to bring this issue into light for reasonable questioning. Plaintiff did in fact work as an employee of both COUNTRYWIDE and through the merger BANK OF AMERICA. Both 27 of these agencies are publically traded. Plaintiff also brokered mortgages to Countrywide prior to her employment with these agencies. Plaintiffs suspicions are correct to bring this information 28 forward in this manner for consideration under these extreme circumstances. 1 Plaintiff Faith Lynn Brashear hereby formally and earnestly request the full legal protection of the this court and/or the Consumer Financial Protection Bureau including but not limited 2 WHISTLEBLOWER INCENTIVES AND PROTECTION. ``(1) Covered judicial or administrative action.--The term`covered judicial or administrative action' means any judicial or 3 administrative action brought by the Commission under this Act that results in monetary sanctions exceeding $1,000,000. Should they feel this warrant Merit and accept Plaintiffs request, plaintiff 4 will move to strike them from list of defendants. Plaintiff, while on site of this raid, "Clearly" conveyed to the receiver, that per her rights under SOX she was going to blow a whistle. 5 Honorable sirs, if a laymen is quoting and invoking rights under a specific act, in the knowledge that the Consumer Financial Protection Agency has jurisdiction over said act during a RAID would 6 it not be a safe assumption that the laymen actually read and understood the act? Plaintiff was not questioned as to why she would this or what it pertained to. Further Plaintiff did convey and 7 provide copies of the drafts of the Civil Suit directly to the Attorneys of the CFPA who filed the Ex Parte order with no response. So again the question is, whos behalf is this agency exactly 8 protecting? A witness to lender fraud, a witness to consumers being denied loan modifications, a witness to lender abuse to elderly and disabled, certainly could be of great aid to this 9 agency. Here is the Testimony of a past volunteer witness in filing with reason to believe it warrants merit, if it is enough concern to the Banks that this testimony not brought to light then 10 why are such great lengths being taken. 11 Whereas Plaintiff received a phone call that day after the RAID asking specifically where Plaintiff lived, when Plaintiff inquired as to what this pertained to, the caller (unidentified) hung up. 12 Whereas Countrywide representatives approached Plaintiff to sell to the public these very loans 13 that are outlined as Exhibits Summary and attached here within that have with increased margins to the consumer for a higher payout fee to the Plaintiff as an incentive to sell these products to the 14 consumers to help Front End the MERS boom explained below. 15 Whereas Sec. 3 SECURITIES EXCHANGE ACT OF 1934 (A) ASSET CLASSES.The regulations prescribed under subsection (b) shall establish asset classes with separate rules for 16 securitizers of different classes of assets, including residential mortgages, commercial mortgages, commercial loans, auto loans, and any other class of assets that the Federal banking agencies and 17 the Commission deem appropriate. (B) CONTENTS.For each asset class established under subparagraph (A), the regulations prescribed under subsection (b) shall include underwriting 18 standards established by the Federal banking agencies that specify the terms, conditions, and characteristics of a loan within the asset class that indicate a low credit risk with respect to the 19 loan. (C) LIMITATION ON DEFINITION.The Federal banking agencies, the Commission, the Secretary of Housing and Urban Development, and the Director of the Federal Housing Finance 20 Agency in defining the term qualified residential mortgage, as required by subparagraph (B), shall define that term to be no broader than the definition qualified mortgage as the term is 21 defined under section 129C(c)(2) [108] of the Truth in Lending Act, as amended by the Consumer Financial Protection Act of 2010, and regulations adopted thereunder. An asset declared in the 22 SEC filing is permanently attached to the corporation and separated out to shareholders, thereby completely dissolving the note in its entirety. Should this Asset get passed through again, or 23 another bank attempts to securitized and pass through the Asset again, IT COMMITS SECURITIES FRAUD. But in the cases of the Banks, a refinance is considered a new note with 24 new terms. HOWEVER In cases of EXTREME MEANING the following can be considered. 25 Whereas when qualifying a candidate for a loan, programs are offered out at different rates for the product they are under. For example a fixed rate at par pricing (meaning there are no costs or 26 rebates for the pricing offered) is at 3.5%, there are options to buy down the rate for points, for example 1 point pays the interest rate down to 3.25%. There are also options to rebate off a higher 27 rate, for example a 3.75% interest would give back a rebate of 1%. This is known as a yield spread premium. The brokers would then have the option of paying the buyers costs with these yield 28 spreads or taking to premium. Arm Products are offered in much of the same way, only they are broken apart to different indexes, IE COFI (Cost of Funds Index) MTA usually 12 month cont 1 (Treasury Average Index) LIBOR (London Interbank offered Rate) 1 month, 3 month 6 month 12 month, meaning what the average and adjustment periods on these indexs were tied to. These 2 offerings worked pretty much the same way, you knew the product, you knew the margin, you knew the rate offering. These rates were most often below fix rate offerings. Further Cap rates 3 were placed on the amount an arm product could adjust per a term, so if you have a 12 month product with a 1% cap that means if the index all of the sudden jumped to 5% and you bought a 4 3.5% rate at par, then your rate would adjust no more than 4.5%. Margins were added to these Arms products to increase the capture of the rate when a rate adjusts, so for example those 5 who purchased ARM products with a 2% margins and the index did not adjust, the margin is added to the offered rate, 3.5%+2% = 5.5% there for adjusting the rate to 4.5% because even though the 6 index may not have increased, the margin adjustment allows the lender to recap the rate at a later time, usually in terms of 3 years, 5 years and 7 years down the line. 7 Whereas on a pay option arm, or negative amortization arm you offered a product tied to an index, 8 with the option to modify the offering by making adjustments to the margin for additional profit. The margin is the amount that an arm product can adjust to reach a higher interest rate. So for 9 example if a pay option arm is offered, it has a start rate offering below the rate being offered (usually 1%) . The rate being offered is tied usually to one of the above listed index, so you are 10 essentially taking the interest difference from the reduced payment and adding it to the back of the loan. You are offered a par rate, only this time the brokers are allowed to modify the margin for a 11 rebate (incentive) that is not of the normal offering to other products on the market. So how this works is you buy a rate ie 3.5 and you buy a product (pay option arm), the broker or loan officer 12 chooses a margin based upon what they want to make. The majority of these products offered an automatic 1% rebate up front, and up to 2% more for raising the margin higher, up to potentially 13 3% on the margin. So at the time of the note, you are signing an Adjustable Rate Rider Exhibit C that reflects both the interest rate plus the margin, which is not the true rate being 14 offered out or properly disclosed. 15 Whereas you cannot claim the same asset or an asset deriving from and absorbing the original Asset (switch out) to the same company who already has this Asset registered previously in 16 its Entity, with the same loan program attached to the same index with the same underwriting standards, with the same collateralization with the only difference being the loan amount and 17 minor adjustments that are included from tacked on under disclosed fees for the privilege of paying off the note to avoid a rate adjustment and further incentivize a hidden margin in a note based in 18 Securities Fraud to do so for the purpose of enable perpetuating illegal activities on a rigged Libor Index to control greater gains to the banks. This is not a new note, it is a extension of the same 19 program with similar terms and similar conditions on an unqualified mortgage, with TIL & Respa violations upon their inception being offered out on a 1 month Libor THAT IS RIGGED. Because 20 the consumer cannot meet any other underwriting criteria of another Asset Class. This is evidenced under Section AG under the excel version of the Mortgage Pool under Exhibit A 21 where the majority of these loans with in this trust say Refinanced and Equity Take-out with scattered Purchase . So if people were not being forced into these programs, then why is this 22 trust laden with them? 23 Whereas Since the enclosed documentation clearly shows collaboration of the banks with the potential collaboration of the FDIC, why would it not be entertained that on a wink and a nod that 24 these Fixed Asset Classes would not jump from Trust to Trust. After all, a rigged Libor with mimicking Assets specifically designed to absorb the same product gives OPPORTUNITY for 25 better gains and higher equity capture. 26 Whereas self employed borrowers rely on cash flow as income, but are qualified on traditional loans with their business debts reducing their actual income, or cash flow, making it difficult to 27 near impossible to qualify on a normal loan under traditional underwriting guidelines, not that they can not afford the payments, but cannot show that with their business expenses that are needed to 28 keep their business running that they meet the cookie cutter guidelines of a Traditional loan. Many self employed borrowers turned to Stated income loans to help offset these ratio issues. Stating cont 1 income in itself is not committing fraud, it is stating gross income, without the need for adding the business expenses to skew the ratios out of proportion to enable a self employed client to qualify. 2 Many brokers stepped beyond common sense on these loans to gain profit. Plaintiff does not believe she knowingly acted in this manner as she did her best to convey understanding as she is 3 doing here today. 4 WHAT THE BANKS DONT WANT YOU TO KNOW 5 Whereas on the enclosed Adjustable rate rider from the refinance, you can see that in a market where offerings were around 6% 7% with 1% margin at par on an MTA index, was written as an 6 8.375% rate which also through the forensics audit showed an undisclosed difference of 1.489 margin Exhibit B meaning the terms were breached up front, from the agreement understood. 7 This was the same ARM product refinance from the previous ARM 6% 7% with 1% margin at par on an index upon the adjustment period to the higher interest rate, above market rates and 8 offered out at lower performing rates to the investors. Further while it makes reference to the margin in calculating the interest rate, NO WHERE under the Adjustable rate rider does it outline 9 what EXACTLY a margin is. The rider explains the Interest, it explains the Index and the calculation of the interest rate, but nowhere in the rider is it disclosed to the consumer what a 10 MARGIN actually is and nowhere is it disclosed exactly what that yield spread premium is ACTUALLY paid for. Thereby further concealing the incentives offered out to raise the margins 11 that altered the product offering that increased the payments through equity capture to the banks. THIS IS PROOF IN EXHIBITS AND IN TESTIMONY. It is within this Margin of Error that 12 cannot be ignored. 13 Whereas it could be better argued for the SEC definitions, that a new Asset is created by a new note if the terms and conditions are different if this was an Arm to a Fixed, or a Neg Arm to an 14 Arm this argument would have less standing and unanimously agreed upon that the note was paid off and a new note was created there by creating a new Asset, that is not the case here. The fact 15 remains that in cases where the refinance mimics the original note in its terms and conditions, and the intent of the refinanced note is to absorb the original note (or Asset) by duplicating the same 16 program perimeters to perpetuate activities in fraud (under disclosing or non disclosure to offer out on a rigged Libor index), It is simply is not actually creating anything new except a deeper debt 17 attached to the original collateral. A new note on the same property that mimics the original note does not create a new asset. It simply is a new form of the SAME ASSET switched out again 18 turned into a SPVs to avoid double taxation and jumped these Assets from trust to trust. It lists the address on the Note as a part of the ASSET, with no other alternative offerable. 19 Whereas any negative am product is in direct violation of 129C(c)(2) [108] of the Truth in Lending 20 Act Securities Exchange Act of 1934. Which under (k) PROHIBITION ON STEERING INCENTIVES of this act(1) IN GENERAL.For any consumer credit transaction secured by 21 real property or a dwelling, no loan originator shall receive from any person and no person shall pay to a loan originator, directly or indirectly, compensation that varies based on the terms of the 22 loan (other than the amount of the principal). A margin is technically not defined as a term of the loan, it is only referenced as a calculation added as an adjustment to the loans offering to allow for 23 higher rates to ensue. You can not enforce a contract that does not have CLEAR TERMS AND CLEAR CONDITIONS so In general this rule applies. The banking industry Steered brokers to 24 increase margins by offering incentives to increase margins not properly defined on any Negative Arm transaction in its TERMS. This is about as grey as grey gets on this technicality with regards 25 to the payoff, the merit lays in the inability of the consumer to choose or qualify for a different "Asset Class". Regardless by the incentivizing increase margins without disclosure or definition to 26 the terms on the ADJUSTABLE RATE RIDER other than a reference to a calculation is a violation of this very act. When these notes adjust to above market rates it forces a restructure to 27 the same product because the consumer could not qualify traditionally and pushes the same product on the same asset. This is what allows the concept of this collaborated Switch out to 28 be entertained, the Steering Prohibition to stand AND SECURITIES FRAUD under this section K of this act to be fully acknowledged. 1 Whereas by these lending institutions offering out additional incentives to Brokers to increase the Margins attached to these negative Amortization loans for greater financial 2 gain, further perpetuating Under-disclosed finance charges after taking profit on the Switched out asset from the original Un-Qualified asset as outlined on the attached Forensic Audit clearly 3 showing Respa and Til Violations as and offerings under a Rigged index as outlined within the Securitization Audit, where at the time of the rate adjustment perpetuated a need for refinancing 4 the Asset to create the illusion of a new Asset to a similar structured instrument that encompasses and MIMICS the original note with similar terms and similar conditions of the 5 original note with no other alternatives is in fact Switching the Asset. 6 Whereas Plaintiff , who sold herself these loans and refinanced herself these loans in addition to offering these loans to the public, was not aware of the under laying intent to do harm to the 7 American consumer by these incentivized loans until years later. These actions by the bank were premeditated to set the consumer up to fail and to be able to sell these loans upon their default to 8 not only collect the equity in the home from negative amortization on higher margins, but to follow the process of wrongful foreclosures in order to profit at the expense of the Public by the use of 9 Mortgage Brokers to distribute these incentivized loans across America to enable them to follow these same tactics for further profit during the market boom and events outlined further below. 10 Whereas Countrywide breached fiduciary relationships with mortgage brokers in the willful 11 promotion of loan programs with the premeditated intent to withhold proper and necessary disclosures to the brokers they used to present these loans and to the consumers they harmed by 12 these loans as evidenced in the enclosed audit and through every Neg Am loan processed between 2002-2010 ever brought to a forensic auditor for review securitized by MERS. 13 Whereas SEC charged Citigroup's principal U.S. broker-dealer subsidiary with misleading 14 investors about a $1 billion CDO (Collateralized debt obligations) tied to the housing market in which Citigroup bet against investors as the housing market showed signs of distress. The 15 proposed settlement, a payment of $285 million by Citigroup that would be returned to harmed investors. (10/19/11). SEC charged the firm with misleading investors in a complex mortgage 16 securities transaction just as the housing market was starting to plummet. J.P. Morgan agreed to pay $153.6 million in a settlement to harmed investors. (6/21/11). SEC charged the firm with 17 misconduct in the sale of two CDOs tied to the performance of residential mortgage-backed securities as the housing market was beginning to show signs of distress. Firm settled charges by 18 paying more than $11 million, mostly to harmed investors. (4/5/11) SEC charged Wells Fargo's brokerage firm and a former vice president for selling investments tied to mortgage-backed 19 securities without fully understanding their complexity or disclosing the risks to investors. Wells Fargo agreed to pay more than $6.5 million to settle the charges. (8/14/12). 20 Whereas Bank of America breached fiduciary relationships as they had no true intent of actually 21 cooperating in a short sale, and conveyed to Equator via verbal confirmation on a recorded message by an Equator representative that the foreclosure proceedings to the property had been 22 placed on hold by Bank of America, when in fact Bank of America continued to instruct Recon Trust to wrongfully foreclose on this above mentioned property, via a confirmation directly by the 23 Plaintiff to a Recon Trust Representative after receiving the on hold message from Equator. This is being continually evidenced in though their contempt of Federal Bankruptcy Court 24 automatic stay, by continuing to set foreclosure sales dates month after month Banking on the dismissal of the forced Chapter 13 filings automatic stay in place in order to Profit at the expense 25 of the Plaintiff. This is willful and deliberate attempts to do harm. Exhibit G 26 Whereas Bank of America has not shown proof of their ability to in fact collect or enforce note under UCC 9-301, the party enforcing the note must demonstrate that it has the position of the 27 Holder in Due Course or having the authority from the Holder. Courts have already ruled against MERS having the authority to appoint Trustees and assign Deeds of Trust/Mortgages unless it is 28 officially registered at the County Hall of Records. 1 THE TRUTH RECITALS Whereas upon prima facia review Bank of America is acting sua sponte to initiate a foreclosure. 2 Through RECON TRUST Company by further requesting HSBC to file documentation on their behalf, a wholly-owned subsidiary of Bank of America which is not an arms-length 3rd party 3 neutral entity. This is further collaboration with the intent to do harm with the only interest here is to profit off the Plaintiff by positioning the loan in which they Purchased at a substantial discount 4 back from REMIC to collect insurance through the FDIC (Federal Deposit Insurance Corporation) by trying to enforce a wrongful foreclosure by a subsidiary of their own making on a bifurcated 5 note that committed securities fraud. 6 Whereas Recon Trust is not registered under the California State business registry. CA Foreclosure Law - Civil Code 2924 in order to be named as a trustee in a foreclosure you must be 7 registered to do business in the state of California. There are over 18,000 foreclosures taking placed by Recon Trust whom is not registeredto do business. 8 Whereas The case of Washington v. ReconTrust Co., 11-26867-5, Superior Court, King County 9 Washington (Seattle). Recon Trust is banned from the State of Washington for the very same reasons listed within these Recitals. They withheld the pass through to HSBC to Plaintiff, they are 10 not an arms length to Bank of America, they are not registered to do business in the State of California and are in violation of the very same case, won by WAs Attorney General. How can 11 our California Attorney General not see this? WAs AG won fines for $2000 per each offense, that is $36,000,000 to the State of California just waiting there. Is there a reason the hardest hit State in 12 our nation would not want these funds? Plus these same offenses are happening with other banking institutions that created their own foreclosure subsidiaries. California need jobs, builders 13 need permits, self employed need help to establish new business what is holding this back? 14 Whereas under U.C.C.- ARTICLE 33-301.Under Title 12226.39(reg Z) part (a), a servicer doesn't have the rights of a holder in due course therefore doesn't have the right to foreclose. 15 THE WHOLE TRUTH RECITALS 16 Whereas the securitization, undisclosed excessive Til and RESPA violations exceeding the actual value of the home, the pass-through, and buy-outs creating Breach and Bifurcation along with 17 State violations Securities and Exchange violations and Federal violations in contempt of Federal Bankruptcy rules of Automatic Stay, create a broken disintegrated and defective PAID Instrument, 18 hereby invalidating any actual Secured holding on the property located at 1095 Lowry Ranch Road, Corona CA 92881 through securitization fraud of this loan has fraud and breach of contract 19 under the terms and conditions set forth therein. In fact turning this loan into an unsecure uncollectible, settled debt with clouded title used for fraudulent gain from inside traders to outside 20 investors, and Bank of America into a glorified debt collector who bought a bad debt with the use of Government Funding and is now using the Attorney General as a debt collector under the 21 illusion of settlement on their behalf through the National Mortgage Settlement Act. 22 Whereas A note that has been securitized through MERS and transferred into a REMIC as a Mortgage backed security (MBS) traded on Wall Street, must follow the Regulations of the 23 Securities and Exchange Commissioners, not just the Uniform Commercial Codes. Meaning securitized loans dissolved the majority of UCC regulations and these notes must be ruled in 24 accordance to the SEC guidelines with the UCC best interest at hand. Meaning, that courts can allow these guidelines in their adjudications to protect their jurisdiction. 25 Whereas a valid note is an instrument that clearly outlines the terms and conditions of that note. 26 Fees that incur that do not follow a note, ie attorney fees for loans in default do not follow the note, therefore are not a part of the note. Undisclosed fees is withholding a material fact to the note 27 itself and does not clearly define the terms and conditions of that note. It is a leading questions when judges ask Did you sign a note because this makes the assumptions that all notes are the 28 same. The notes that were offered as ARMS or Option Arms with the intent to inside trade on a cont 1 Libor Product, were based in deceit with BREACH UPON INCEPTION. These notes have no more worth than a signature on a piece of blank paper or a blank endorsement. A note based in 2 misleading information to induce you to sign an interest in a property under false pretense is illegal. Playing off greed to perpetuate greed is of a criminal mind, and misleading the public for 3 relief by the legally signed assurance of restructure as a master servicer while the lower level servicer attempts wrongful foreclosure through contempt of court TO PUSH AN EXPERT 4 VOLUNEEER FEDERAL WITNESS OUT OF THE WAY, is called - COVERUP. 5 Whereas the DEFENDANTS, with the possible exception of the FDIC, the exception of the IRS and the exception of the Consumer Financial Protection Bureau, had Motive, Opportunity, and the 6 Means to execute and commit these frauds at a criminal level. 7 Whereas under the laws of the Fair Debt Collections Practices Act (USC Title 15 Section 1692) A debt collector is someone who (is not the original creditor) who buys a debt that has been offset. 8 Purchasing a debt after it has been declared it a loss. Once a debt has been written of, it is discharged. This note has been settled, the true parties of interest (the shareholders) have been 9 paid. Further Bifurcation of the note dissolved the note rendering it uncollectible, unenforceable and defective. Further MERS was shut down by the State of California, making this Voidable. 10 Plaintiff here within further proves the added fraud surrounding this note makes this note and the notes surrounding it in fact VOID. Further, Plaintiff discharged these notes under Federal 11 Bankruptcy Chapter 7 laws, under these actions and acts, it can never be collected again. 12 Whereas on the voice recordings of Bank of America, Wells Fargo, Ally/GMAC, JP Morgan Chase, Citi who are the biggest participants in these transfers it has been FEDERALLY 13 mandated that they disclose to the American Public that they are in fact a DEBT COLLECTOR. Which means that the Federal Government is FULLY aware of this precise situation and know 14 EXACTLY what has happened in the Financial Debacle. Further that the recent National Mortgage Settlement agreement with these agencies are nothing more than an effort to collect 15 additional funds under the ruse of a settlement for these loans based in fraud, while still continuing foreclosure efforts across the nation for those who dont apply or Dont Qualify, further 16 enabling these activities for future generations. The fact that they are continuing to cover up this fraud perpetuates Fraud constitutes continued fraud. Sirs, plaintiff was unable to come forward in 17 these truths any sooner because Plaintiffs well being was in danger, her husband was fighting what was deemed an inoperable cancer and she knew she could not bring a suit until the banks further 18 exposed themselves in the continuance of these fraudulent actions to allow the suit to stand for full consideration for all the frauds throughout this transaction. With the highly questionable 19 circumstances that are surrounding Plaintiff, this should show the courts that Plaintiff is without doubt being denied civil liberties.Whereas Plaintiff spoke directly to a foreclosure department 20 representative whom informed Plaintiff that Bank of America was in the process of hiring 25 more people in their foreclosure department in anticipation of a foreclosure frenzy in January/February. 21 Whereas Plaintiffs new wrongful foreclosure sales date is 1/25/13. The fact remains that the banks 22 have now turned the US Secretary of State into a debt collector on their behalves for notes they cannot legally collect on, on troubled assets that have been paid, by the Government to qualified 23 applicants meaning people who have MERS or electronically transferred notes with possibly a few true hardships thrown in for good PR in the name of Justice. Plaintiff is at least grateful this 24 settlement does not waive consumers rights to litigation, and recognizes that the majority of homeowners just want to restructure and move on, in that respect Plaintiff admires the efforts made 25 on behalf of the US Attorney General to try and handle the mess dealt to her. 26 THE NOTHING BUT THE TRUTH RECITALS 27 Whereas any bank, acting as a servicer who tries to enforce security interest on a property from a 28 note that has been bifurcated, dissolved, breached, and resold back to the acting servicer is in fact cont 1 acting in fraud to re-attach an unenforceable, voidable, dysfunctional, rescindable, void, instrument as a debt collector pretending to be a party of interest to the original transaction. 2 Whereas Bank of America is profiting at the expense of the innocents by violating their 4th amendment rights using sheriffs to evict homeowners via wrongful foreclosure actions across the 3 states, and forcing wrongful evictions of rightful homeowners through the use of their subsidiary Recon Trust as an accessary. A Debt Collector, A Servicer who bought a bad debt with 4 government issued funding, is not a party of interest and CANNOT legally FORECLOSE on any home, PERIOD. 5 THE HISTORY BEHIND THE RACKET 6 After the last Depression, Congress enacted a law, Glass-Steagall, which forbid banks, insurance companies, and investment houses to be in the same institution, to deter reckless speculation with 7 depositors' money, which was seen as a major contributor to the stock market instability of the time. Then in 1999, at the height of the "Deregulation" phase, Citigroup and Travelers merged, a 8 clear violation of Glass-Steagall. But rather than enforce the law, Congress repealed the sections of Glass-Steagall that prohibited insured banks from being affiliated with firms that engaged in 9 underwriting and dealing in securities, with the passage of the 1999 Financial Services Act. 10 This action opened the floodgates for runaway financial speculation. Wall Street was fully aware of the profit potential they were also aware that if their investments lost money, the US 11 Government would step in to offset the losses, which they in fact have done through IRS tax credits and TARP funding. The act of giving AAA ratings to subprime or high risk bifurcated non- 12 performing Assets in order to position these assets to collect Insurance funds through the FDIC is not only profiting at the expense of others, it has set the nations deficit further in the rears. 13 Starting about in 2005, Wall Street started bundling mortgages together into investment Bundles. So great was the demand for Mortgage-backed Securities (MBS, also called Collateralized Debt 14 Obligations) that Wall Street started running out of mortgages to front-load the System. This led to the creation of the "sub-prime" mortgage; granting mortgages to people who normally would not 15 qualify. 16 Congress, themselves invested in the Wall Street firms that were profiting from selling MBS, passed an $8000 first-time homebuyer tax credit (actually a loan repaid in future taxes) to lure 17 more buyers in which helped front-load the process even faster. This sudden surge in new homebuyers increased demand pushing inflated values on properties nationwide. With an opening 18 to more loans available this generated opportunities for lower level criminals to engage in lending fraud in order to ride this equity wave, which is what happened within this homes community, 19 surrounding areas and nationwide. Meaning the banking industry along with our nations Congress enabled these activities by conducting unethical activities that perpetuated illegal activities to begin 20 with in removing these safeguards put in place to protect the innocents. These actions exposed innocents to criminals, enabled criminals into communities of innocents for the purpose and 21 intent to further inflate the values of homes and walk away with the profits. In other words, by the Governments actions to remove governing safeguards, it created a bubble. In the continuance of 22 these actions by both the Congress, the Banks and now the lower level Criminals, it allowed people to think they had equity, and who drew from this false equity under false pretense. As the 23 Plaintiff too fell under this illusion of false equity during this market boom and was abused for it. 24 Then TARP (Troubled Asset Relief Program) came into being as a program of the US Government to purchase assets and equity from financial institutions with the intent to strengthen its financial 25 sector signed into law by George W. Bush on October 3,2008 to address the Subprime mortgage crisis. TARP now gave the banks MEANS. 26 EXPOSING THE TRUTH RECTILES 27 Whereas Plaintiffs conversations with Special IRS Agent assigned to this investigation conveyed the scope, not the details, of these Criminal pump and dump communities across the Nation to 28 Plaintiff and Plaintiff conveyed the perception of a deeper threat to this Agent. The words used to cont 1 describe the above community and the Plaintiffs situation by this Agent was Talk about being in the Lions Den. This is an ongoing criminal investigation that contains classified information. 2 Whereas the Plaintiff was forced to file Chapter 7 bankruptcy as the criminals under this 3 investigation were suspect to the identity theft incurred by Plaintiff. Further Plaintiff was not allowed the issuance of new social security cards for her and her family and is still being denied 4 this, as this investigation is considered on-going. Further restricting Plaintiffs liberties. 5 Whereas Plaintiff has personally witnessed a multitude of qualified, eligible candidates under HAMP, MAKING HOMES AFFORDABLE, NACA and other home save efforts though these 6 programs denied by a multitude of banking industries in order to continue these wrongful foreclosures at the expense of others. Plaintiff was also denied restructure on the above listed 7 property as it was not her primary residence, and further forced out of her Washington Home going through NACA as the bank continuously misplaced, lost or shredded her mortgage repayment 8 checks. The direct comment by the representative at Sun Trust Mortgage, was she didnt care she was going to get her insurance money from the foreclosure anyway. Who also suffered at the 9 hands of lender fraud on the purchase of a home that was destroyed by storms declared Federal State of Emergencies and who was denied restructure under Chapter 11 from a judgment call by 10 the trustee who felt that since Plaintiffs husband was deemed inoperable for a Cancerous tumor that Plaintiff should consider waiting until her circumstances had 11 settled. Shortly there after Plaintiff received a bill for over $5000 from the Washington Bankruptcy Courts. This included a $4500 fee for a property that was sold during the Bankruptcy 12 that was not in Plaintiffs name, when Plaintiff complained, the bankruptcy was dismissed. This fee was later deducted from Plaintiffs tax returns. Plaintiffs husband is in full remission. 13 Whereas once a loan goes into default it is sold back to the banks at a discount to the servicer (the 14 Bank), as the Mortgage Securitized Asset is not performing. 15 Whereas in todays market, these allowable Modifications or these non performing Assets are Allowed on a limited basis to revise the Asset to a performing status. Once an Asset is 16 performing it is transferable to other banking institutions. 17 Whereas Plaintiff has witness the transfer of modified Performing Assets under the Protection of these programs to other banks who do not honor or recognize these Modifications as the original 18 terms and conditions of the modified instrument. 19 Whereas Plaintiff has witnessed these transferred or modified assets are immediately issued denial letters, for purpose of positioning the now non-performing asset for collection of the FDIC 20 insurance re-imbursement. 21 Whereas J.P. Morgan Chase is under a criminal probe by the U.S. Department of Justice related to billions in trading losses on insured deposits in the FDIC insured part of the bank (the London 22 Whale mess); it is under investigation in both Canada and the U.S. for potential involvement in the rigging of the global interest rate benchmark known as Libor; and a Federal regulator that 23 oversees Fannie Mae and Freddie Mac, the Federal Housing Finance Agency, has sued JPMorgan Chase. JP Morgan Chase is the current servicer on the Plaintiffs Washington property that was 24 destroyed by storms that also has a pay option arm attached thereto. 25 Whereas the definition of Extreme Meaning The utmost limit or degree that is supposable or tolerable, hence furthest degree, any undue departure from the meaning. 26 Whereas any loan or note that was attached to a RIGGED Libor index was based in 27 PREMEDITATED fraud where it is impossible to know what the actual terms and conditions were actually based upon, and Departed from the Meaning of the integrity of the Note, the same is true 28 for the same Asset Grouping for the same product for the purpose to re-attaching it to a Rigged cont 1 index. Further undisclosed charges, securitizations, Switching out the assets via refinancing and re-securitizing, raising the rates above the disclosed interest rate forcing the consumer to act under 2 pressure to refinance, placing blank endorsements to the note, and adding additional penalties ie attorney fees and penalties on the back end of modifications on these loans, falls into all of the 3 categories for Securities Fraud listed above rendering all Libor attached loans and all duplicated Mers transferred negative amortization loans unenforceable, thereby Null and Void and all other 4 loans voidable. How can you possibly enforce a note based upon a rigged index or one that has undefined, under disclosed, incentivized terms? How can the bank, who used our tax dollars via 5 TARP funds claim they even own these notes, when it is in fact the consumers tax dollars that paid for the privilege of this bail out, so that the banks could further perpetuate their activities and 6 misuse these funds for their intended purpose. 7 THE TRUTH THE WHOLE TRUTH AND NOTHING BUT THE TRUTH 8 Whereas, with the utmost respect your to you sir Traditionally, the word racket is used to 9 describe a business (or syndicate) that is based on the example of the protection racket and indicates a belief that it is engaged in the sale of a solution to a problem that the institution itself 10 creates or perpetuates, with the specific intent to engender continual patronage for profit or gain. 11 Whereas by the very definition of what has been witnessed by this plaintiff, this is no longer capitalism, this, in the Plaintiffs Professional Business Opinion, is a form of racketeering, where 12 the banks have been paid and continued to be paid either through extortion tactics (Pay arrears or we foreclose), cover-up tactics (loan modifications with balloon payments or deferred loans on the 13 tail end to set the client up for the banks future payouts through transfers to other banks that do not honor the modifications) compromising restructures (Show of good faith while continuing to harm 14 others to placate government officials and the masses). Wrongful foreclosures for profit though non registered subsidiaries (MERS pass throughs and FDIC insurance payouts) evicting the 15 homeowners by Sherriff force if they can't pay up (Violation of the 4th Amendment) in order to sell the home for additional profit at the expense of the homeowner (FDIC insurance recapture for 16 70%-80% plus the liquidation of the collateral), and provide new loans for more people, to perpetuate this activity. Meanwhile taking a rigged profit from the people under their "protection" 17 (people who are paying their mortgages in good faith) and pocking the returns from unsuspecting investors for additional gain under the false pretense of a AAA Asset is clearly defined (A 18 pattern of illegal activity carried out as part of an enterprise that is owned or controlled by those who are engaged in the illegal activity otherwise traditionally known as Racketeering.) All done 19 with the governments awareness and blessing by the removal of safeguards to ensure that the great depression would never happen again to the generations that followed. (Misuse of Government 20 authority in the pursuit of profit) and a Violation of not only the Plaintiffs 5th Amendment rights (Depriving of liberty and property) but of homeowners across this great nation. This is exactly 21 why the banks cannot be allowed to govern themselves. Free enterprise comes at a price. This is loan sharking of a whole new nature, predatory actions to extort funds and inside trading at the 22 expense of others. This shark is not about higher interest rates, this shark is about higher Foreclosure and Capture through ILLEGAL foreclosures, controlling profits to our 23 foreign investors and insurance fraud to our own Government 24 Whereas Plaintiff has witnessed this lenders abuse first hand, and through conversations with families such as Elderly who have lost their spouse, families with children and pets thrown out 25 onto the streets. Disabled Veterans who fought for our country who grew up in the very homes they are being thrown out of. Men and Woman who have FOUGHT for our nation with their hearts 26 and their souls, being damaged at the mercy of these Banks who are preying on the weak and defenseless who can not afford simply luxuries, like transportation, clean clothing, computers, or 27 putting decent food on their tables for their children, things that most take for granted. BECAUSE they are TRAPPED within these mortgages. One of the phrases I have heard over and over again, 28 both directly and through others are these words that the banks pass along to the consumer. "We cont 1 can not help you unless you are in default" . The banks love it when you are in default, because they are a member FDIC. Defiance is human nature, 9 out of 10 will default so that they can get 2 the help the banks are promising them only to be kicked out on the street when the bank decline this help. This Plaintiff has heard the cries from the pain and suffering inflicted upon these people 3 by DEFENDANTS, and other banking institutions first hand for over the last several years at the hands of these DEFENDENTS and by the Governments Actions that enabled them. The pain and 4 suffering from these emotional and physical hardships is beyond words. It is worse than dying, these DEFENDANTS have killed the hopes dreams and trust of those they inflicted with their 5 lender abuse, their premeditated and perpetual activities, and their profit at the expense of both our Nation's people and our government. They have stolen more than their homes, they have stolen 6 their pride and in some cases, their will. 7 Whereas Cases across America include the Federal Government suing Deutsch Bank, Federal Government suing Countrywide, The New York Appelate Court says MERS cant foreclose as 8 does Massachusetts, Nevada, New York, Kansas, California, Idaho, and Michigan Supreme Courts have all ruled in some form or another against MERS and their rights to foreclose. Arizona 9 Mayoral Candidate seizes homes from Freddie and Fannie fraudulent foreclosures, Taylor Been & Whittaker CEO sentenced to 30 years in prison for Securities fraud, Homeowner beats Bank of 10 America in small claims court, and so on and so on and while Plaintiff could go on for pages, she grows tired of this mess, it is time for the truth to be fully known. Let the people decide if 11 they want to settle. From the many Plaintiff has personally spoken with, this is really all they want. They should have the REAL choice, not force it under threat of foreclosure or false 12 pretense of urgency to act. 13 Whereas the Federal Housing Finance Agency, accused Bank of America and more than a dozen other large lenders of selling bad mortgage securities to government-sponsored housing companies 14 Fannie Mae and Freddie Mac 15 Whereas Deutsch Alt-A Securities Mortage Loan Trust (Issuing Entity), Series 2006-OA1 v. DB Structured Products Inc (The Sponsor) Sued for Diversity-Breach of Contract in their under 16 disclosures. 17 Where as an Assurance was signed by the Office of the Attorney General on behalf of the People of California Approved and consented by Michael J Heid which sets forth a framework though 18 which Wells Fargo (The Securities Administer and Master Servicer) would offer distressed Pick-a- payment mortgage loan borrowers affordable loan modifications that include a significant 19 principle forgiveness. No such arrangement was ever offered to Plaintiff. 20 THE HIDDEN AGENDA RECITALS Whereas Bottom line, the majority of these DEFENDANTS stand to profit 1.2-1.4 if it forecloses 21 on top of what it has already been paid on this note, and a resell on the open market would yield them an additional 600k. This is a profit of $2 million dollars in one transaction on a note they are 22 not a true party of interest, and use tax payers money to acquire, on an asset only worth 30% of this. This is a 333% return on their investment of our tax payers funds, for the privilege of 23 enacting a wrongful foreclosure in contempt of Federal Bankruptcy Court through their own internal subsidiarity (not licensed by the state) acting as an accessary to do so, thus by their own 24 aggressive actions, demonstrating MOTIVE in action. IT IS the Plaintiff belief that the Banks who are cooperating in their settlement modifications have no intention of allowing qualified 25 candidates with higher loans on lower values allowed to Settle through these modifications, and request proper monitoring by the US Department of Justice in these forgiveness actions until 26 proper safeguards can be restored. The highest settlement Plaintiff has seen has only been roughly $200,000 on a modification with forgeries discovered in an audit. 27 28 1 PLAINTIFFS PRAYER FOR WORLD PEACE 2 Plaintiff does understand that the courts don't do that kind of thing in here, however In the Plaintiffs professional opinion it must be so noted, the only way to resolve this crisis is to 3 Restructure these Asset-based Mortgages in a Nation wide relief through the oversight and protection of the United StatesDepartment of Justice in joint effort with the Consumer Financial 4 Protection Bureau for the Citizens who were most affected by these actions above and beyond the current settlement. That these settlements must be PERMINANT NON TRANSFERABLE 5 RESTRUCTURES and note Loan modifications. TARP funds have failed us by the mis-use and abuse of the lending industry, thus is a point within the CPA revised 2010 act that refers to no 6 more Bail outs. Modifications are only a ruse to allow continued abuse by the lending institution until they can sell off these performing assets to other banks who do not honor the agreements. 7 While Plaintiff appreciates the refinancing option at a reduced principle to non- delinquent homeowners under the National Mortgage Settlement act, The US Attorney General should not be 8 used as a debt collector to further perpetuate these activities by allowing loan modifications to continue at any level. The Settlement makes references from the participating banks to encourage 9 other banks to join in. So why would they want to do this? It is Plaintiffs belief that these banks wish to not only transfer these Settled notes to other banks at a later time who do not have to 10 honor these modified notes, but that they wish for the other banks to Play Ball with them to capture insurance payouts. The more banks to collaborate with, the more money to be made at the 11 expense of others. The term Banksters of America is now being used by many foreclosure defense websites, foreign investors and home save advocacy sites in light of these unfolded events. 12 Government regulated foreclosure agencies need to be put into place and a Restructure Asset 13 Mortgages (RAM) relief act is needed to heal the crimes inflicted upon this nation at this nations expense. It would help resolve the issues amicably with the banks and with the foreign investors 14 across seas by re-installing confidence in our Governments ability to resolve this situation as opposed to just handling it. This along with the implementation new safeguards to prevent this 15 disaster for future generations should bring final healing to this crisis. Settlement, is not Relief. 16 In Plaintiffs opinion by creating brand new, non-transferable notes based upon the consumers current qualification eligibility through traditional underwriting approaches in addition to the 17 reduction of the value of the home by a Government approved appraiser on a price opinion of the home involved with the troubled Asset Mortgage notes, would completely resolve these issues and 18 re-install confidence in our foreign investors as a sign of good faith BY re-underwriting to a new Asset Classification under the Securities and Exchange Commission called RAM Assets offered at 19 fixed returns and not fluctuating returns, further the FDIC could still grant issuance of insurance as the troubled Asset would in fact be under government seizure and internally foreclose without 20 eviction with the permission of the homeowner and filed concurrently with the implementation of the Restructured note. Further for those who filed Chapter 7 bankruptcy, or who had a Switch 21 out of their Asset or an incentivized margin replacement, and those who were attached to the Rigged Libor in any capacity and whom suffered lender abuse, then the settlement should be what 22 is already is. The debt was discharged Federally and the home is theirs. A Debt collector has no right to collect on a discharged debt. If the bank foreclosed, then they need to re-instate or replace 23 the home at equal or lesser value of the amount of the original note originally issued. Unless any additional damage was done above and beyond these issues, then this will constitute a RELIEF 24 without further recourse. Not just a $250 to not prosecute to have further recourse currently being witnessed as the current Bank policy in our Judicial states.where the Laymen is put on trial. These 25 hush money court ordered modifications under AMMENDMENT A need to end as the laymen is baited into a a trial modificationoffer in which the bank can the place any modification they 26 deem fit after the consumer signs it. This witnessed event is one where they actually foreclosed and had to re-instate the loan to correcttheir errors. The Consumer Financial Protection Bureau 27 now has this case. This layman has no defense or protection, CFPB please step up and do your diligence, the Devil is in the details not the net you blindly cast because of what you have been 28 taught to see. See what is in front of you now. There is wisdom behind the eyes of these courts for a reason. They will soon understand where my intents truly lie and they will find the right path. cont 1 Settlement means settlement for all not settlement for some, and certainly not settlement with future lawsuits over the same issue. This is not healing the nation, it is pouring salt on the wounds 2 and burdening these courts with Class action and Tort litigations for years to come. If you want banks to pay penance, then let the FDIC insurance funds given to the banks for the people who 3 were wrongfully foreclosed securitized loans who stepped forward be billed back to the banks as an overpayment and redirected into the States for future commerce and the promotion of new 4 business and building permits. 5 Put a nationwide ban on law suits deeming them frivolous after this new agreement is reached. Yes they have done us wrong, but when will enough be enough? Admit what was done, and FIX 6 it. Fix means FIX, not run behind the governments back to see what you can get away with next. You are our leaders, our mentors, our hopes and our dreams, not children playing dodge ball in 7 outside the classroom until the principal catches you. GROW UP! You have tracked mud all over the place, its time to clean up. The American People from what the Plaintiff has witnessed have 8 had quite enough and while she can not speak on their behalf, she can convey their sorrow. RELIEF IS what needed NOW. There is no one who can deny this. 9 10 THE DAMAGE DONE 11 Whereas Plaintiffs damage goes beyond these issues as these banks allowed, encouraged, and incentivized the Plaintiff to unknowingly deliver these Rigged instruments to the public blindly, 12 this in fact aided and unknowingly abetting as did every broker across this nation, these premeditated activities further perpetuating the current economic situation that these banks created. 13 Further it enabled criminal activity to ensue by playing on the greed and human nature of others endangering Plaintiffs well being and the well being of Plaintiffs family. By these Federal 14 investigations of Lender Fraud within the Riverside area, Plaintiff was called to act as a volunteer witness, it severely impacted Plaintiffs life, forcing Plaintiff to remove herself from her ability to 15 enjoy quit ownership privileges forcing a relocation for her safety, that severely impacted Plaintiffs liberties. Further, by these wrongful foreclosure actions Bank of America is now attempting to 16 deprive Plaintiff of Plaintiffs property hereby blatantly attempting to violating her 5th Amendment rights. 17 Whereas plaintiff prior to her relocation, had people coming to the above mentioned home in 18 groups begging for help, on their knees, to save their home and refinance their loans. Plaintiff has witnessed eye to eye, the pain and suffering inflicted upon a multitude of people who were affected 19 by these events on many levels, including the innocents being persecuted for the wrongful actions of others pursued in the name of justice by being guilty for no other reason than by association in 20 circumstance. Plaintiff is in disgust of these acts and imposed shake downs and has suffered great emotional trauma from these acts of man. Plaintiff did not have the assistance, understanding, or 21 proper training at the time to handle the situation. Plaintiff did reach out to authorities on more than one occasion at that time to no avail. Again further evidenced by the CFPA raid. Plaintiff is 22 still witnessing these wrongful acts being performed across the nation and is done with it. 23 WHEREAS DEFENDANTS cannot deny what has taken place in the biggest mortgage crisis ever to hit our nation or the events in history that brought us to this point, it is posted all over the 24 internet and on the US Department of Justice web site, nor can DEFENDANTS ignore the documented fraud that has taken place on this loan by trying to brush this Plaintiff out of the way 25 through wrongful foreclosure actions. THIS IS A VOILATION OF PLAINTIFFS CIVIL RIGHTS. Turn your pointing fingers inward, we are all to blame at some level for what has taken 26 place in our Nations history knowingly or not. A Person is not defined by circumstance, it is within their actions that define who they are. 27 28 1 NOW THEREFORE Plaintiff invoke this Civil request via her rights of due process, the legal requirement that the state 2 must respect all of the legal rights that are owed to a person and not the Banks. Plaintiff further invokes this Civil request under US Code TITLE 15 CHAPTER 41 SUBCHAPTER V 1692g 3 part b and hereby formally declare under a court of law, that this debt is being challenged and is not only formally in dispute through this court, but the Attorney General and the CA Monitor for 4 the National Mortgage Settlement care as a call to action to act on behalf of the American People within her State of Jurisdiction from the Whistle blown in this Filing. In this moment of history it 5 should not be the burden of the layman to prove that the banks cant foreclose on their homes as innocents effected by the current state of affairs. The burden should be on the Banks and the 6 Government to prove that they have the legal right through ARMs Length Government agencies to actually foreclose on a home until this mess can be sorted out and those safeguards can be re- 7 instated in a stronger capacity. 8 This Civil filing is a heartfelt prayer to this court to see the truth, the whole truth, and nothing but the truth. Too many judges and too many attorneys do not fully understand the scope of what 9 exactly has taken place or if they do, they have stepped down for unknown reasons. The very rare ones who truly understand what has taken place, are not available to the average Laymen as their 10 fees are unrealistic to afford. The Plaintiff stands in Faith as a child of God under a torn nation shouting out to our Honorable Judges and our elected officials to look within and remember who 11 they are, and what they stand for. The time for winks and nods is over, the people need you. 12 Throwing this mess back upon the Public after January 18th, 2013 (The deadline for the Settlement) 13 is like throwing innocents into the deepest section of the ocean without a life raft, with the Banks on a boat offering paid passage, and investment sharks circling. The strong will swim until they 14 can swim no more while the rest will drown or concede to the demands for passage, or make a deal with the Sharks for their lively hood. This Plaintiff will by her last breath if necessary, show this 15 Court and those who can find this Civil Complaint how to part or how to walk on these waters and will do so by example. Beat a person long enough and they will believe they are beaten. But show 16 a person how to fight back, and they will know they can. You simply cannot beat down Faith, Sirs. 17 Plaintiff is truly sorry for these events, but they are not of her making. Nor can Plaintiff be held responsible for the actions of others in the events that uncurled as just another a tool of the banking 18 industry. This has been an incredulous burden to bear, but Plaintiff was played, just as every broker across America, every loan officer, every underwriter or processor was played who 19 participated in the offering of ANY Libor products or was directed to Libor charts as a valid illustration to their clients. 20 These Recitals from a past Federal Witness and past industry professional with inner knowledge 21 of both Countrywide and Bank of America and through the research additionally done through her years of volunteer service as an advocate in review of the information provided by our government 22 under the Freedom of Information Acts, plus her case reviews of Bank of America return arguments to others who were affected with by these same or similar actions, and her recent 23 introduction to securitization audits and their true meaning, will stand strong in Court. We need to HEAL as one Nation Under God, not One Nation under the illusion of God Mercy through 24 deceitful practices. 25 Whereas the creation of such a Civil suit for a laymen is near impossible. Plaintiff is doing the best she can under the circumstances to convey this in a manner appropriate to this court. Plaintiff 26 prays you will see what she see's and give it merit to stand as it is conveyed in laymen, mortgage, and legal ease, filed appropriated, served appropriately and conveyed appropriately under these 27 extreme circumstances.  HYPERLINK "http://www.guardian.co.uk/business/hsbcholdings" \o "More from guardian.co.uk on HSBC" HSBC was just slapped with a record $1.9bn (1.2bn) fine by US  HYPERLINK "http://www.guardian.co.uk/business/regulators" \o "More from guardian.co.uk on Regulators" regulators for money laundering and sanctions busting, the first arrests were made in the  HYPERLINK "http://www.guardian.co.uk/business/libor" \o "More from guardian.co.uk on Libor" Libor 28 rigging investigation, and nationalised Northern Rock handed the taxpayer a 270m bill to compensate customers affected by a mistake in its paperwork. Plaintiff is showing you where they were controlling the payout through the LIBOR to the investors in the enclosed documentations. 1 Honorable Judge, the US department of justice detailed how HSBC, Britain's biggest bank, allowed drug traffickers to launder billions of dollars in the US and billions more to be moved 2 across borders to countries facing sanctions, such as Burma, Cuba and Libya. When the US Department of Justice makes declarations that they are sparing a criminal prosecution because 3 HSBC is to big to prosecute, then how can the consumers have any protection from these criminal acts if they can not turn to the courts for justice. Plaintifs name is FAITH by CHOICE your 4 Honor Exhibit F and PLAINTIFF is actually PRAYING to this court as the laws meant it to be spoken herewithin. 5 PLIANTIFFS PRAYER DAMAGE AND EQUITABLE RELIEF 6 Plaintiff Faith Lynn Brashear prays for relief as follows: 7 A. That the Court adjudge and decree that Defendants has engaged in the conduct complained herein 8 B. That the Court adjudge and decree that the conduct complained of constitutes unfair and 9 deceptive acts and practices and an unfair method of competition and is unlawful in Violation of the California Business and Professions Code Sections 17200 10 11 C. That the Court issues a permanent injunction and on the above listed property, enjoining and 12 retraining these Defendants, and it representatives, successors, assigns, officers, agents, servants, employees and all other persons acting or claiming to act for, on behalf of, or in active 13 concert or participation with these Defendants, from continuing or engaging in the unlawful conduct complained of herein. 14 D. That the Court assesses Civil Penalties pursuant to the Section 1107 of the Sarbanes-Oxley Act 15 of 2002 (SOX) per the concealed violation of suspected Racketeering, Extreme Meaning encompassing and Asset through, proven under disclosed Til and Respa Violations, proven 16 breach of contract, proven undisclosed definitions properly outlining the Terms and Conditions of the margin used as a calculation to the interest rate in a note, acknowledgement of 17 incentivizing margins in violations of the Securities and exchange commission and breach of Fiduciary Trust, be issued in an amount of $250,000, as Plaintiff is blowing the whistle on this 18 for one of the largest over due time outs in history of man and showing this court exactly where it is and where to find it. Non taxable to Plaintiff and Legal Protection under this act to 19 resolve these issues. 20 E. That the Court assesses Punitive Damages in the amount of $2,000,000 equal to the amount of intended fraud from each and every one of these Defendants with the possible exception of the 21 FDIC, IRS and The Consumer Financial Protection Bureau, for having their hand in the Plaintiffs proverbial cookie jar without the plaintiffs consent or offering. The first $2,000,000 22 to be paid to Plaintiffs company otherwise known as BetterQuest to allow her to rebuild and bring further healing to this nation in a different venue. The rest 100% of which to be placed 23 into a created profit or non-profit entity under the US Department of Justice and properly monitored by Consumer Financial Protection Bureau as a receiver until proper implementation 24 of this agency can be determined, for the purpose of assisting in the restructure of troubled Asset Mortgages and to further aid the US Attorney Generals with ineligible candidates 25 through the National Mortgage Settlement, in their efforts to heal their States, all nontaxable to Plaintiff. "In the interest of World Peace" 26 F. That the Court assess compensatory damages in the amount of $669,088.63 equal to the amount 27 of under disclosed Til and Respa Violations. Non-taxable to Plaintiff to be paid towards her bankruptcy filing should it be allowed to ensue. 28 1 G. That the Court acknowledges the dysfunctional, and unenforceable aspects to this note through Extreme Meaning, Breach, Bifurcation and exceeding of the Pooling and Servicing Agreements 2 (PSA) cut off dates, dated June 1st 2007 by a pass through recorded in 2012. 3 H. That the Court acknowledges the rules under the Securities and Exchange Act of 1934 section129C(c)(2) [108] of the Truth in Lending Act apply in situations where a loan has been 4 securitized as it pertains to the notes attachment to the deed, and that the evidence provided shows a potential conflict of the Asset associated thereto. 5 I. That the Court acknowledges this issue is not of a fair business practice or procedure and has 6 thus clouded title to this property and that ownership has been compromised and needs to be cleared through Quit Title and that Plaintiff has every right to full ownership of said property 7 with no other interest of party attached thereto other than Plaintiff. 8 J. That this Court acknowledges that Bank of America is a debt collector and that this debt is 9 discharged under Federal Bankruptcy laws. 10 K. That the Court acknowledges the timing of the IRS audit, and the dollar amount sited in its relation to this situation is highly coincidental as is the Injunction filed on the company 11 Plaintiffs was receiving help as it pertains to Plaintiff situation as an expert witness. It may or may not be circumstantial. 12 13 L. That the Court acknowledges that damage has been done on a broader scope and that the 4th and 5th Amendment rights across our nation are in jeopardy. 14 M. For the costs of the suit incurred by the Plaintiff, or for any Attorney fees incurred on Plaintiffs 15 Behalf as Plaintiff retains the right to legal counsel. 16 N. For other reliefs as the court deem just and proper applied accordingly. 17 CONCLUSION Plaintiff respectfully asserts that Defendants have incurred a duty to Plaintiffs in which they have 18 breached through fiduciary, fraud, negligence and greed as Plaintiff has alleged. Plaintiff requests the court leave to amend their complaint, should the Court deem it necessary to perfect these 19 claims. Plaintiff seek the damages and equitable relief that she is reasonably entitled to as a result of Defendants fraud, deception pain, suffering and breach of fiduciary trust. Plaintiff respectfully 20 thanks you for your time, understanding and patience in her deliberations. This case is being released to the press for public awareness no sealing is required. 21 Yes it is a lot to ask of you, Plaintiff is sorry, but there is no price that can be named for the pain 22 and suffering of nation, or the pain and suffering she has personally endured. It is the best Plaintiff can do at the extremes she feels the court could entertain with the case currently being 23 presented. Plaintiff is answering to a higher authority through these adversities and complexities with one simple message to convey to all of you. 24 "It is time." God Bless us in these prayers here within. 25 26 X________________________________ 27 Dated ________________________________ FAITH XXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXX CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the above and foregoing has been furnished by U.S. Mail to the Address listed below , this ______ day of , 2012 REVIEW Faith XXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXX State Attorney General Kamala Devi Harris, and Katherine Porter the CA Monitor for the National Mortgage Settlement C/O The Attorney Generals Office, and at California Department of Justice P.O. Box 944255 Sacramento, CA 94244-2550 RIVERSIDE HISTORICAL COURTHOUSE, 4050 Main Street, Riverside, CA 92051 BANK OF AMERICA, N.A., a Delaware corporation and as successor in interest to COUNTRYWIDE FINANCIAL CORPORATION, a Delaware corporation, dba, BAC HOME LOANS SERVICING; Bank of America Corporate Center 100 N. Tryon St. Charlotte, NC 28255 Bank of America 400 National Way Simi Valley, CA 93065 Foreclosure Department COUNTRYWIDE HOME LOANS, INC., a New York corporation; Countrywide Bank FSB 1199 North Fairfax Street Suite 500 Alexandriana, VA 22314 RECONTRUST COMPANY, N.A., California entity of unknown status; Recontrust Company 1800 Tapo Canyon Road, X________________________________ Simi Valley, CA 93063. Print Name of Process Server INDYMAC BANK FSB a division on One West Bank Indymac Bank a division of OneWest Bank, FSB P.O. Box 7056 Pasadena, CA 91109-9699 CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the above and foregoing has been furnished by U.S. Mail to the Address listed below , this ______ day of , 2012 DB STRUCTURED PRODUCTS, INC.; DB Structured Products, Inc 60 Wall Street New York, NY 10005 DEUTSCH ALT A SECURITIES MORTGAGE LOAN TRUST 2007-OA4 DEUTSCHE BANK AG; Deutsche Bank AG 60 Wall Street NEW YORK, NY 10005 DEUTSCHE BANK SECURITIES INC.; Deutsche Bank Securities Inc 60 Wall Street New York, NY 10005 WELLS FARGO BANK, N.A.; Corporate Offices Wells Fargo 420 Montgomery Street San Francisco, CA 94104 X______________________________________ Print Name of Process Server CLAYTON FIXED INCOME SERVICES INC; Clayton Fixed Income Services Inc 1700 Lincoln Street Suite 1600 Denver, CO80203 HSBC BANK USA, NATIONAL ASSOCIATION; HSBC BANK USA NATIONAL ASSOCIATION 9201 3RD AVE, BROOKLYN, NY, 112096811 US BANK, NA; U.S. Bancorp U.S. Bancorp Center 800 Nicollet Mall Minneapolis, MN 55402 MERS (MERSCORP); MORTGAGE ELECTRONIC REGISTRATION SYSTEM, INC. (MERS) 2216 16th Street Sacramento, CA 95818 Mers Inc 999 N Pacific Street D312 Oceanside, CA 92504 CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the above and foregoing has been furnished by U.S. Mail to the Address listed below , this ______ day of , 2012 ONE WEST BANK One West Bank 7700 Parmer Lane Austin TX 78729 OneWest Bank 888 East Walnut Street Pasadena, CA 91101 FREDDIE MAC or FANNIE MAE; Freddie Mac 8200 Jones Branch Drive McLean, VA 22102-3110 FREDDIE MAC or FANNIE MAE; Fannie Mae 135 North Los Robles Avenue Pasadena, CA 91101 CONSUMER FINANCIAL PROTECTION BUREAU 1700 G. Street NW Washington, DC 20552 IRS (US DEPARTMENT OF TREASURY); The IRS headquarters IRS, 10th St and Pennsylvania ave, NW Washington, DC 20004 FDIC (FEDERAL DEPOSIT OF INSURANCE CORPORATION Federal Deposit Insurance Corporation X ____________________________________ Consumer Response Center 1100 Walnut St, Box #11 Kansas City, MO 6410 ______________________________________ Print Name of Process Server     PAGE 7 PAGE 26  ;=>SVWgijt . > ? 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!"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmopqrstuwxyz{|}~Root Entry FtData n1Tablev}WordDocumentSummaryInformation(DocumentSummaryInformation8CompObj` F Microsoft Word 97-2004 DocumentNB6WWord.Document.8