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The lenders named hear in are responsible for actual and statutory damages pursuant to 15U.S.C. 1640a) the securityinterest is automatically terminated by the rescission (15 USC 1635(b); Reg. Z-226.15(d) (2), 226.23(d) (2). This requires cancelingdocuments creating the security interest and filing release or termination statements in the public record of FREE and CLEAR TITLE

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REFERENCE: 4/14/2013Edmond Eskandari2906 N Frederic St. Burbank, CA 91504APN: 2473-0 12-012Instrument No. 04 0871223 TS. No. L2-0078036, 2004-HYBS

Dear Sir/Madame:

Please be advised that I as the undersigned attorney represent the above-referencedborrower in connection with a financial transaction that occurred on the above-referenced date. Based upon information received from our client, an expert mortgageaudit report, and our research of the property records, the filings with the UNITEDSTATES Securities and Exchange Commission and interviews with various mortgagebrokers, lenders, appraisers, title agents, and closing agents, we believe there areclaims against you and your company for negligence, breach of contract, and breach offiduciary duty, along with other claims in law and equity which total more in financial

damages than the clients equity costs of closing, all points and interest paid to dateplus the par value of the subject mortgage note.

This is a substantial claim that may exceed the policy limits on any and all insurancepolicies issued that cover the risks in this claim.

The above referenced loan closing did not constitute or warrant the formation of a validand enforceable instrument, in accordance with the UCC regulations, and the notariallaws, Furthermore as evidenced by the documents attached as exhibit A and Bwhich has been incorporated and made a part of this document.

There has been no notarial seal affixed on the instrument at the time of recording, thealleged deed of trust whereby no valid and enforceable instrument was created.Hence your authority as a servicer of the above referenced instrument number drives itsability to foreclose on the above referenced instrument and all subsequent transfers, orassignments of the said deed of trust as a perfected chain of title from the initialrecording of the aforementioned deed, hands you have failed to create a enforceableinstrument.

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Furthermore the above-referenced loan closing involved conflicting documentation andfailure to disclose the existence of a Pooling and Service Agreement and Assignmentand Assumption Agreement that predated the loan closing and provided for fees, profits

And payments that were never intended to be disclosed to the borrower and that werewithheld from the borrower before, during and after the subject loan closing. It was notuntil exhaustive research was performed that the true facts are emerging, and whichhave caused our client to express an immediate need and desire to rescind thealleged subject loan transaction.

Based upon conversations with our client and interviews with people who haveknowledge of the practices and policies of the parties to this transaction, it is apparentthat, contrary to federal and state law, you have participated in an extended pattern of

conduct to further, foster, allow and promote an interstate conspiracy to deceive anddefraud persons targeted as prospective borrowers in entire geographic regions of theUnited States including but not limited to our client, and were further negligent in yoursupervision of your officers, directors, agents, affiliates, vendors and employeesresulting in substantial financial and other injuries to our client.

Further based upon public filings, it appears that you, your insurance carriers, youragents, servants, vendors and employees must have known during the previous fiveforeclosure attempts expanding over A seven year of the timeframe that no suchinstrument existed under which your foreclosure of procedures had utilized the authorityto foreclose on the above stated propertyTherefore we must conclude that knowingly and intelligently your affiliates, agent,assignees, and employees participated in predatory acts of lending which has violatedthe constitutional protection as it has been defined by the Magna Carta and the U.S.constitution and alls said amendments thereof

enough true facts are evident to know that our client was not receiving the guidance,protection, due diligence or information to which our client was entitled and had ourclient been apprised of the true facts, our client would not have executed the papersthat were presented as ordinary mortgage loan documents but which in fact were part ofan elaborate scheme for the execution of documents purporting to be loan documentsbut which resulted in the issuance of a negotiable instrument with the intent on yourpart, and undisclosed and unknown to our client, to change the terms and conditions ofpayment of the mortgage note from its stated terms, pay fees and profits to a variety ofundisclosed third parties who were participating in the fraudulent sale of unregulatedsecurities which purported to be backed by the mortgage note of our client and thatappear to have misled investors into believing that the certificates they purchased werealso backed by the property of our client.

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The lenders named hear in are responsible for actual and statutory damages pursuant to 15U.S.C. 1640a) the securityinterest is automatically terminated by the rescission (15 USC 1635(b); Reg. Z-226.15(d) (2), 226.23(d) (2). This requires cancelingdocuments creating the security interest and filing release or termination statements in the public record of FREE and CLEAR TITLE

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The above stated transaction was known by you and the others at the alleged loanclosing to be a sham through which unregulated, unregistered and unchartered peopleand businesses engaged in banking and lending contrary to federal and state law.

Taken together with the experts finding of deceptive lending practices concerningaffordability and tangible benefits, the true term of the loan was significantly overstated,in that the future reset of payments made it highly likely that the loan would go intodefault at a time much earlier than the expressed term of the mortgage note.

This was a fact known by every participant at the loan closing except our client.Reducing the term of the loan to the time of expected default and adding the inflatedappraisal resulted in an APR significantly exceeding the legal interest limit under statelaw and violate applicable laws on usury entitling our client to nullification of the note,extinguishment of the mortgage, treble damages and attorney fees, in addition to therefunds, rebates and damages stated in the experts report.

Based upon reports received from Foreclosure Defense Group legal compliancedivision, it is apparent from filings with the Securities and Exchange Commission thatthe loan was table funded and that the nominal lender was in fact a stand -in for a

Series of parties who were not disclosed as the source of the funds, not disclosed asthe recipient of fees (including the nominal lender who may have received a fee of 2.5%of the par value of the mortgage note), and not disclosed as the actual lender in thesubject loan transaction. Again while all of the participants at the loan closing wereaware of these facts, our client was kept in the dark. Hence, our client was nevernotified regarding the identity, authority and regulation, charter, or registration of theactual lender.

Further, it cannot be determined from the filings of the referenced parties, nor thenotices to the borrower, who is the current actual holder in due course, who is entitled topayment under the mortgage note, whether additional third party payments were madefrom insurance products that are reported to have guaranteed either the payments orthe principal of the mortgage note, or whether in fact the mortgage note has beenprepaid, overpaid, or any balance is owed and if so, to whom. This prevents theborrower from notifying the true source of funds (the actual lender) of borrower's intentto rescind. Under the Federal Truth in Lending Act the appropriate party must

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either comply with the rescission or file a declaratory action seeking to avoid therescission.

PLEASE GOVERN YOURSELVES ACCORDINGLY.

Very truly yours,

Armond Trakarian

Armond TrakarianWESTERN LAW CONNECTION, Corp.

4311 Wilshire Blvd. Suite 615Los Angeles, CA 90010Phone (818) 331-7597fLawcgw@aol.com