mortgage fraud investigation and chain of title information

7/22/2019 Mortgage Fraud Investigation and Chain of Title Information

1/24

>496 Kcrtjij` Fckpblimf` Lmv`stljitcrs111-77

KC^WJIJ@ FCKTBLIMF@

LMX@VWLJIWC^V

FAILM CH WLWB@ IMIB\VLV &

KC^WJIJ@ H^IPG LMX@VWLJIWLCM

Tr`pir`g Hcr?Ocam & Oim` Gc`

^`ib Trcp`rty Bcfit`g it?

9>67 @xikpb` Nbvg.

Imytcwm, PVI 9>670

Tr`pir`g Ny?

Kcrtjij` Fckpblimf` Lmv`stljitcrs:


2/24

>496 Kcrtjij` Fckpblimf` Lmv`stljitcrs111-7ch >7

GLVFBILK@^? MCWALMJ LM WALV GCFPK@MW VAIBB N@ FCMVW^P@G IV B@JIB

IGXLF@. WALV KIW@^LIB LV HC^ @GPFIWLCMIB TP^TCV@V CMB\, IMG LV WC N@

PV@G HC^ V@BH-A@BT IMG IW ^@IG@^V LMGLXLGPIB GLVF^@WLCM.

WINB@ CH FCMW@MWV

V@FWLCM 9? LMW^C WC FCMX@\IMF@ CH I V@FP^LWL_@G KC^WJIJ@ BCIM

@b`k`mts ch i Kcrtjij` Bcim Lmstruk`mt img Acw Wa`y Ir` Jcv`rm`g Zait Jct V`furltlz`g3 T`rscmib ìb Trcp`rty ^ljats is i (Wrimsh`rinb` ^`fcrg) Zait sacubg aiv` aipp`m`g Zait glg aipp`m Fcmv`yimf` ch im `Mct` Mcm Acbg`r lm Gu` Fcurs` ibb`j`s g`hiubt (Wrust``/Kcrtjij` V`rvlf`r)

V@FWLCM >? KC^WJIJ@ BCIM WÎMVIFWLCM ALVWC^\

Pmlqu` Kcrtjij` Bcim G`tilbs Pmlqu` V`furltlzitlcm G`tilbs

V@FWLCM 6? KFL LMHCJÎTALFV & KC^WJIJ@ HÎPG LMX@VWLJIWLCM

Lmtrcguftlcm tc V`furltlzitlcm Lmhcjripalf Hbcwfairt Failm ch Wltb` Imibysls

V@FWLCM 7? ITTBLFINB@ @GPFIWLCMIB KIW@^LIB

M`w \cre Wrust Biw (`xikpb`) Lmhcrkitlcm cm Lmgcrs`k`mt Wyp`s ch Lmgcrs`k`mt

V@FWLCM 0? VPTTC^WLMJ GCFPK@MWV

(IGGLWLCMIB IWWIFAK@MWV)

Wrust Ijr``k`mts Xcbumtiry Bl`ms ^`pcrt Ihhlgivlt Ch Hift


3/24


V@FWLCM 9? FCMX@\IMF@ CH I V@FP^LWL_@G KC^WJIJ@ BCIM

@b`k`mts ch i Kcrtjij` Bcim Lmstruk`mt img acw ta`y ir` jcv`rm`g?

I. Trcklsscry Mct` (Wimjlnb`) ; I wrltlmj lm timjlnb` hcrk, sljm`g, umfcmgltlcmib, imglg`mtlhylmj im lmg`nt`gm`ss cr ums`fur`g prckls` ny cm` pirty (ta` Kie`r cr Trcklscr) tc

imcta`r *griw`r* (ta` Tiy`` cr Trckls`` cr Wimjlnb` Cnblj``) tait fckklts ta` kie`r (G`ntcr

cr Wimjlnb` Cnbljcr) tc piy i sp`flhl`g suk cm g`kimg, cr cm i hlx`g cr i g`t`rklminb` git`. Lh

ta` Tip`r Trcklsscry Mct` ls tc n` i V`fur`g lmg`nt`gm`ss, ta` V`furlty Lmstruk`mt ls ibsc

lg`mtlhl`g wltalm ta` Tip`r Trcklsscry Mct`. Wa` Tip`r Trcklsscry Mct` ls jcv`rm`g ny

Pmlhcrk Fckk`rflib Fcg` Irtlfb` 6 cr ta` Vtit` `qulvib`mt. I sljmitur` cm Wa` Tip`r

Trcklsscry Mct` ls MCW jcv`rm`g ny ta` @VLJM Ift 90 PVF :446walfa fb`irby `xfbug`s

lt`ks jcv`rm`g ny Pmlhcrk Fckk`rflib Fcg` (PFF) Irtlfb` 6 cr ta` Vtit` `qulvib`mt, img is

sufa ta` lmg`nt`gm`ss fim n` cmby lm pip`r timjlnb` hcrk.

N. Trcklsscry Mct` (Lmtimjlnb` `Mct` / Lmtimjlnb` Tiyk`mt Cnbljitlcm) ; Im `b`ftrcmlftrimsh`rrinb` r`fcrg (fr`it`g gurlmj s`furltlzitlcm) img sljm`g lm iffcrgimf` wlta @VLJM Ifttait fckklts ta` kie`r (Iffcumt G`ntcr cr Lmtimjlnb` Cnbljcr) tc piy i sp`flhl`g suk cm

g`kimg lm iffcrgimf` wlta i fcmtrift MCW jcv`rm`g ny PFF Irtlfb` 6 tc im Lmtimjlnb` Cnblj``.

Wrimsh`rrinb` r`fcrgs ir` jcv`rm`g ny PFF Irtlfb` 1 img ta` V`furlty Lmt`r`sts s`furlmj

trimsh`rrinb` r`fcrgs ir` jcv`rm`g ny PFF Irtlfb`


4/24


V@FWLCM 9? FCMX@\IMF@ CH I V@FP^LWL_@G KC^WJIJ@ BCIM (fcmtg)

Kcrtjij` Bcim Lmstruk`mt cr T`rscmib Trcp`rtyZait rìbby jct s`furltlz`g3

Z` n`jlm wlta ta` kcrtjij` bcim crljlmitcr. Lkk`glit`by iht`r fbcslmj, ta` kcrtjij` bcim crljlmitcr ais

tie`m pcss`sslcm ch kimy gcfuk`mts ch walfa cmby twc (>) ir` r`qulr`g tc n` hcbbcw`g tarcuja tc ta`

s`furltlzitlcm prcf`ss. Wa`s` twc (>) gcfuk`mts ir` ta` Tip`r Wimjlnb Trcklsscry Mctìmg ta` Tip`rWimjlnb` V`furlty Lmstruk`mt (Kcrtjij`, G``g ch Wrust, cr V`furlty G``g). Wa` Trcklsscry Mct` img ta`

Kcrtjij` (cr G``g ch Wrust cr V`furlty G``g) tcj`ta`r fim n` fcmslg`r`g cm` timjlnb` lmstruk`mt. Zlta i

p`rh`ft`g Wimjlnb` bl`m ch r`fcrg s`furlmj i Wimjlnb` Trcklsscry Mct`, tals wcubg ta`m n` lm fckpblimf` tc

ibb ippblfinb` biws. Is sufa, lmtimjlnb` img timjlnb` biws ippby jrimtlmj ta` kcrtjij` bcim crljlmitcr b`jib

img `qultinb` rljats tc ta` Mct` (timjlnb` img lmtimjlnb`) is Acbg`r lm Gu` Fcurs` tait wcubg aiv` b`jib img

`qultinb` rljats tc ta` s`furlty s`furlmj lh ta` Mct` img s`furlty (timjlnb` img lmtimjlnb`) ir` lm fckpblimf`

tc ibb ippblfinb` biw.

Issuklmj crljlmitlmj b`mg`r ais fckpbl`g wlta ibb ippblfinb` biws lm crljlmitlcm ch ta` kcrtjij` bcim5 ta`

crljlmitlmj b`mg`r fcubg img rcutlm`by gc`s chh`r up ta` kcrtjij` bcim tc s`furltlzitlcm ny s`bblmj ta`piyk`mt strìk lmt`r`st tc im Iffcumt G`ntcr (Vpcmscr/V`bb`r) wac ta`m lm iffcrgimf` tc im lmtimjlnb

fcmtrift swips ta` lmtimjlnb` piyk`mt strìk hcr f`rtlhlfit`s walfa ir` scbg tc lmv`stcrs. Vufa swip lm b`jib

pirbimf` ls fcmslg`r`g tc n` i Wru` Vib .

Wa` umemcwm hift ls tait ta` kcm`tiry vibu` fcmtilm`g wltalm ta` Wimjlnb` Cnbljitlcm, img ta` V`furlty

Lmstruk`mt s`furlmj lt, w`r` chh`r`g hcr sib` lm ta` s`fcmgiry kire`t is im PFF Irtlfb` 1 mct`

(`Mct`/Wrimsh`rinb` ^`fcrg usuibby trife`g cm i mitlcmib gitinis` Uncce `mtry syst`k[), ta` ncce `mtry

syst`k trifes wac ls ta` PFF1 Lmtimjlnb` Cnblj`` wlta rljats tc ta` PFF < s`furlty lmt`r`st. Ibtacuja, ta`

`b`ftrcmlf ncce mtry syst`k gc`s mct trife wac ais i v`st`g b`jib lmt`r`st lm ta` timjlnb` s`furlty lmstruk`mt

tait ls r`s`rv`g ny stitutcry biw jcv`rm`g ny bcfib biws ch ourlsglftlcm.

Wa` lmstruk`mt ls im Lmtimjlnb` Cnbljitlcm., tals lmstruk`mt ls im Lmtimjlnb` Cnbljitlcm. Waus, i s`fcmg (mcm-

PFF Irtlfb` 6) lmstruk`mt wis frìt`g. Wa` `xlst`mf` ch ta` (mcm- PFF Irtlfb` 6) Lmtimjlnb` lmstruk`mt ls

g`p`mg`mt upcm ta` `xlst`mf` ch ta` PFF Irtlfb` 6 Wimjlnb` lmstruk`mt. Wc prcvlg` i s`furlty lmt`r`st tc

ibbcw hcr im ibt`rmit` k`tacg tc fcbb`ft vibu` hcr ta` (PFF Irtlfb` 1) Lmtimjlnb` lmstruk`mt, ta` kie`r ch ta`

(PFF Irtlfb` 1) Lmtimjlnb` lmstruk`mt pb`gj`g is fcbbit`rib ta` @b`ftrcmlf Kcrtjij` Bcim Tifeij`,

`vlg`mf`g ny ta` PFF Irtlfb` 6 Wimjlnb` lmstruk`mt img lts umg`rbylmj s`furlty lmt`r`st (lmstruk`mt).

Zait sacubg aiv` aipp`m`g?

Hcr ta` PFF Irtlfb` 1 Lmtimjlnb` Cnblj`` (Wrust) tc aiv` i p`rh`ft`g img fcmtlmucus ibt`rmit` k`tacg tcfcbb`ft vli ibt`rmit` timjlnb` sufa is i tru` sib` ch rìb prcp`rty (Ibt`rmit` k`tacg ch vibu` hcr ta` Wimjlnb`Tiyk`mt Vtrìk)5 ta` PFF Irtlfb` 1 trimsh`rinb` r`fcrg Lmtimjlnb` Cnblj`` (Wrust) wcubg m``g tc aiv` n``missljm`g rljats tc ta` Wimjlnb` V`furlty Lmstruk`mt lm iffcrgimf` tc biws ch bcfib ourlsglftlcm s`furlmj ta`PFF Irtlfb` 6 cnbljitlcm lm crg`r tc n` lm fckpblimf` wlta stit` img h`g`rib biw.

I Wimjlnb` Tip`r Trcklsscry mct` g`mct`s twc glstlmjulsalmj vibu`s, cm` ch b`jib rljats fcmtilm`g wltalmwalfa ls rcutlm`by strlpp`g cut is im lmtimjlnb` cnbljitlcm taus bìvlmj ta` s`fcmg vibu` tc n` cmby ta` vibu`


5/24


ch pip`r img lme n`lmj tait ch timjlnb` prcp`rty wltacut b`jib rljats nut blklt`g tc tait ch n`lmj ch p`rscmibprcp`rty ch ta` pirty tait strlpp`g ta` rljats vibu` (b jib img kcm`tiry).

Waus, i Wimjlnb` Cnblj`` kiy cr kiy mct n` i acbg`r lm gu` fcurs` ch i s`fur`g PFF 6 Lmstruk`mt, wa`rìswa`m glstlmft img s`pirit` biws ippbylmj tc ta` timjlnb` s`furlty lmstruk`mt aiv` mct n``m hcbbcw`g, `v`m lhWimjlnb` Cnblj`` wis `mtltb`g tc `mhcrf` ta` PFF 6 Lmstruk`mt gc`s mct kìm tait ta` Wimjlnb` Cnblj`` ls ipirty `mtltb`g tc `mhcrf` s`furlty lmstruk`mt Upirty tc `mhcrf` ta` timjlnb` mct` img ta` timjlnb` s`furlty

lmstruk`mt[.

Za`m im Lmtimjlnb` fbilk (Tiyk`mt Vtrìk) cr bl`m frìt`g ny im Lmtimjlnb` s`furlty ijr``k`mt `xt`mgs tcta` Wimjlnb` Mct` img ta` Wimjlnb` V`furlty Lmstruk`mt, sufa iftlcms kust n` lm fckpblimf` wlta ibbippblfinb` biw. Vljmitur`s cm Lmtimjlnb` V`furlty Lmt`r`st, Wimjlnb` Mct` img ta` Wimjlnb` V`furlty Lmt`r`st(V`furlty Lmstruk`mt) ir` mct jcv`rm`g ny Pmlhcrk Fckk`rflib Fcg` Irtlfb` < cr Vtit` `qulvib`mt. Wa`fcbb`ftlcm rljats ir` jcv`rm`g umg`r PFF < nut ta` trimsh`r ch im lmtimjlnb` ls jcv`rm`g umg`r PFF 15ta`r`hcr` m`jctlitlcm ch ta` Irtlfb` 1 Lmstruk`mt fimmct n` m`jctlit`g wlta im `b`ftrcmlf sljmitur` itt`kptlmjtc hh`ft trimsh`r img taus ta` V`furlty Lmt`r st hibblmj umg`r PFF < ls ibsc mct trimsh`rr`g.

B`jib julgimf` hcr sljmitur`s umg`r @VLJM90 PVF :446fbìrby `xfbug`s lmstruk`mts jcv`rm`g ny ta`Pmlhcrk Fckk`rflib Fcg` Irtlfb` 6 & < cr ta` Vtit` `qulvib`mt sc ta` Lmtimjlnb` Fbilk fimmct n`m`jctlit`g `b`ftrcmlfibby. Wa` Wimjlnb` T`rscmib Trcp`rty V`furlty Lmt`r`st (Wimjlnb` Mct` img fcmtlmucusbyissljm`g p`rh`ftlcm ch ta` Wimjlnb` V`furlty s`furlmj ta` Wimjlnb` Mct`) fim cmby n` pb`gj`g is imlmtimjlnb` lmt`r`st lm ta` piyk`mt strìk is i PFF1 lmstruk`mt. Is sufa ta` Lmtimjlnb` Tiyk`mt Cnbljitlcmfim cmby n` m`jctlit`g lm pip`r hcrk. Wa` Lmtimjlnb` V`furlty Lmt`r`st fimmct n` scbg is im `b`ftrcmlftrimsh`rinb` r`fcrg.

Zait Glg Aipp`m? Cutslg` Ippblfinb` Biw

Wc prcvlg` i s`furlty lmt`r`st tc ibbcw hcr im ibt`rmit` k`tacg tc fcbb`ft vibu` (Tiyk`mt Vtrìk) hcr ta`(PFF Irtlfb` 1) Lmtimjlnb` lmstruk`mt, ta` kie`r ch ta` (PFF Irtlfb` 1) Lmtimjlnb` lmstruk`mt pb`gj`g isfcbbit`rib ta` @b`ftrcmlf Kcrtjij` Bcim Tifeij`, `vlg`mf`g ny ta` PFF Irtlfb` 6 Wimjlnb` lmstruk`mt

img lts umg`rbylmj s`furlty lmt`r`st (lmstruk`mt). Wals @b`ftrcmlf Kcrtjij` Bcim Tifeij` ls slkpby imlmtimjlnb` lmt`r`st lm p`rscmib prcp`rty (Lmtimjlnb` Tiyk`mt Cnbljitlcm). Is hutur` b`jib iftlcms w`rùmimtlflpit`g, ta` pip`r gcfuk`mts w`r` `lta`r pbif`g lm stcrij` (Fustcglib img Mcm-Fustcglib Fustcgy) crg`bln`rit`by g`strcy`g.

Lts lkpcrtimt tc umg`rstimg Vtimgirg Cp`ritlmj Trcf`gur` lm r`jirgs tc ta` fcmv`yimf` ch i s`furltlz`gkcrtjij` bcim5 sp`flhlfibby ta` fcmv`rslcm ch i Wimjlnb` Kcrtjij` Bcim Lmstruk`mt lmtc im Lmtimjlnb`,`b`ftrcmlf `Mct` Hcrk, walfa ls typlfib lm tals m`w wcrbg ch @b`ftrcmlf V`furltlzitlcm. Lbbuslcm ch b`jibltyls ta` e`y tc tals sfa`k`.

Ppcm ta` bcim fbcslmj, ta` pip`r Trcklsscry Mct` img ta` V`furlty Lmstruk`mt ir` sfimm`g lmtc im `b`ftrcmlfgljltlz`g jripalfs pifeij`. Wa` giti hrck ncta s`ts ch gcfuk`mts ls fcmv`rt`g tc im `b`ftrcmlf giti hlb` imgpilr`g wlta ta` `b`ftrcmlf v`rslcm ch ta` Trcklsscry Mct` img V`furlty Lmstruk`mt, ibcmj wlta ibb cta`rfbcslmj gcfuk`mts walfa ls fibb`g i Kcrtjij` Bcim Tifeij`. Za`r` tals @b`ftrcmlf Kcrtjij` BcimTifeij`ls rcutlm`by iggr`ss`g is ta` Kcrtjij` Bcim Tifeij`, lt ls mctalmj kcr` taim im lmt`r`st lm taÙkcm`tiry[ Lmtimjlnb` Tiyk`mt Cnbljitlcm, wacs` scurf` ch humglmj ls fiptur`g ny ta` piyk`mts kig`r`jirglmj ta` Wimjlnb` Trcklsscry Mct` Cnbljitlcm. Wa` @b`ftrcmlf Gljltlz`g Kcrtjij` Bcim Tifeij` lsmcw hibs`by r`pr`s`mt`g is ta` b`jib Kcrtjij` Bcim Tifeij`.

Wa` `b`ftrcmlf v`rslcm ch ta` Zirrimty G``g kiy aiv` n``m `b`ftrcmlfibby sunkltt`g tc n` hlb`g lm Tunblf^`fcrgs ny i talrg-pirty sunkltt`r is ipprcv`g ny ta` stit`5 is ta` Zirrimty G``g fcmtilms ta` lmhcrkitlcm


6/24


tait trimsh`rs ta` tltb` (b`jib img `qultinb`) ch ta` prcp`rty hrck ta` V`bb`r tc ta` Nuy`r (Ack`cwm`r). Wltb`tc ta` prcp`rty ls r`qulr`g tc chh`r ta` prcp`rty is s`furlty lm ta` V`furlty Lmstruk`mt is fcbbit`rib hcr ta`pip`r Trcklsscry Mct`. Wa` Zirrimty G``g ls r`qulr`g tc n` hlb`g lm Tunblf ^`fcrgs. Wa` Zirrimty G``g lsmct jcv`rm`g umg`r ta` Pmlhcrk Fckk`rflib Fcg` cr Vtit` `qulvib`mt img wcubg n` ibbcwinb` umg`r @VLJMIft tc n` hlb`g lm b`ftrcmlf hcrk.

Wa` `b`ftrcmlf v`rslcm ch ta` V`furlty Lmstruk`mt ls ta`m `b`ftrcmlfibby hlb`g lm Tunblf ^`fcrgs. Lh ta`

Cnblj`` itt`kpts tc ippby PFF Irtlfb` < biws ch p`rh`ftlcm tc suppcrt b`jib fbilks wltalm ta` V`furltyLmstruk`mt, ta`m tals hlblmj wcubg n` umbiwhub. Lh ta` Cnblj`` us`s ta` biws ch bcfib ourlsglftlcm tc suppcrtp`rh`ftlcm, ta`m ta` hlblmj wcubg n` biwhub.

Fcmv`yimf` ch im `Mct`?

Lh Kcrtjij` @b`ftrcmlf ^`jlstritlcm Vyst`ks (a`r`lmiht`r K@^V) ls lmvcbv`g, r`jlstritlcm cm ta` K@^Vsyst`k ls r`qulr`g, img wa`m tals r`jlstritlcm cffurs, im 91-gljlt Kcrtjij` Lg`mtlhlfitlcm Mukn`r KLM lsfrìt`g. Wa` hlrst s`v`m (:) gljlts lg`mtlhy ta` r`jlst`rlmj b`mg`r img ta` bist gljlt ls i fa`fesuk mukn`r. Lhta` @b`ftrcmlf Kcrtjij` Bcim Tifeij` ls r`jlst`r`g lm ta` K@^V ^`jlstry, ta`r` ls mc payslfib trimsh`r chta` @b`ftrcmlf Kcrtjij` Bcim Tifeij`. Wa` K@^V ^`jlstry ls upgit`g is tc wac ais fcmtrcb img

cwm`rsalp rljats ch ta` `b`ftrcmlf gljltlz`g hlb` lg`mtlhl`g is i mcm-biwhub img lmtimjlnb` hcrk ch ta``b`ftrcmlf Trcklsscry Mct` `Mct`.

Wa` Hlrst @b`ftrcmlf Vib` / Issljmk`mt (Lmv`stk`mt Xàlfb` is @xikpb`, Himml`/Hr`ggl` Vlklbir) cffurswa`m Wa` Bcim Crljlmitcr (Issljmcr, Wimjlnb` Cnblj``) chh`rs ta` @b`ftrcmlf Kcrtjij` Bcim Tifeij`

tc i p`rsp`ftlv` nuy`r (Lmtimjlnb` Cnbljcr) tc chhs`t i prìrrimj`g blm`-ch-fr`glt ny lmtimjlnb` cnblj``(b`mg`r). Lm tals sf`mirlc, ^`flpl`mt (Issljm``, V`bb`r/V`furltlz`r) ch ta` Lmv`stk`mt Xàlfb`, Lmtimjlnb`Cnblj``) ch ta` @b`ftrcmlf Kcrtjij` Bcim Tifeij` ais ibrìgy fcmgltlcmibby ijr``g tc iff`pt ta`(fcmv`yimf`) is i t`mg`r ch humgs ais ibrìgy cffurr`g bìvlmj cmby tielmj fcmtrcb ch ta` @b`ftrcmlf

Kcrtjij` Bcim Tifeij` is i trimsh`rinb` r`fcrg, umnèmcwmst tait lt ls i trimsiftlcm mct suppcrt`g ny biw.

Wa`r` ir` fcumtl`s tait lg`mtlhy cm ta` hif` ch ta` lmstruk`mt tait ta` lmstruk`mt wis sunkltt`g hcr r`fcrglmj

lm `b`ftrcmlf hcrk hrck ta` sunkltt`r, wa`r` ta` sunkltt`r ais r`f`lv`g hrck im lmtimjlnb` cnblj`` imlmstruk`mt tait ls tc n` r fcrg`g. Lh i Mctlf` ch Issljmk`mt r`hb`ftlmj tals `b`ftrcmlf m`jctlitlcm ls MCWhlb`g lm Tunblf ^`fcrgs, is sufa i hlblmj wcubg n` umbiwhub. Wa`r` ls mc biw tait r`qulr`s mctlf` tc n` hlb`g chTunblf ^`fcrgs upcm ta` s`bblmj cr purfaislmj ch im `b`ftrcmlf Trcklsscry Mct` `Mct`. Is sufa, im`Mct` wcubg cmby ippby tc p`rscmib prcp`rty (Irtlfb` 1 Lmtimjlnb` piyk`mt cnbljitlcm) img mct rìb

prcp`rty (Irtlfb` 6 m`jctlinb` lmstruk`mts), lm crg`r tc n` lm fckpblimf wlta PFF Irtlfb` 46(g), rljatstc `mhcrf` ta` Wimjlnb` Cnbljitlcm aiv` mct n``m m`jctlit`g tc ta` Lmtimjlnb` Cnbljcr (V`bb`r/V`furltlz`r), ta`

cmby rljats fcmv`y`g ir` rljats tc slkpby acbg img pcss`ss ta` Wimjlnb` Tip`r Cnbljitlcm.

Wa` V`fcmg @b`ftrcmlf Vib` / Issljmk`mt aipp`ms wa`m ta` V`bb`r/V`furltlz`r ch ta` Lmv`stk`mt Xàlfb`,(Issljmcr/Lmtimjlnb` Cnbljcr), s`bbs/issljms ta` @b`ftrcmlf Kcrtjij` Bcim Tifeij` tc ta` Nuy`r

(G`pcsltcr ch ta` Lmv`stk`mt Xàlfb` / Vuns`qu`mt Lmtimjlnb` Cnbljcr). Wa` r`flpl`mt (Issljm``, G`pcsltcrch ta` Lmv`stk`mt Xàlfb` / Vuns`qu`mt Lmtimjlnb` Cnbljcr) ch ta` @b`ftrcmlf Kcrtjij` Bcim Tifeij`


7/24


umg`r ta` t`rks ch ta` trust iff`pts ta` trimsh`r img tie`s fcmtrcb ch ta` @b`ftrcmlf Kcrtjij` BcimTifeij`.

Wa` Walrg @b`ftrcmlf Vib` / im Issljmk`mt aipp`ms wa`m ta` G`pcsltcr ch ta` Lmv`stk`mt Xàlfb`

(Issljmcr) s`bbs/issljms ta` `b`ftrcmlf bcim pifeij` tc ta` Wrust`` ch ta` Lmv`stk`mt Xàlfb`. Wa` r`flpl`mt(Issljm``, G`pcsltcr ch ta` Lmv`stk`mt Xàlfb`) ta`m tie`s fcmtrcb ch ta` @b`ftrcmlf Kcrtjij` BcimTifeij`. Wa` G`pcsltcr ch ta` Lmv`stk`mt Xàlfb`, lm fckpblimf` wlta ta` Lmv`stk`mt Wrusts gcfuk`mts,

tie`s fcmtrcb ch ta` Lmv`stk`mt Wrusts @b`ftrcmlf F`rtlhlfit`s lm `xfaimj` hcr s`bblmj/issljmlmj ta`@b`ftrcmlf Kcrtjij` Bcim Tifeij`.

Lt ls mct umfckkcm tc hlmg lm Tunblf ^`fcrgs i Mctlf` ch Issljmk`mt hlb`g r`hb`ftlmj i trimsh`r ch bl`mrljats hrck ta` Crljlmib Issljmcr (Wimjlnb` Cnblj``) tc i 6rg suns`qu`mt Lmtimjlnb` Issljm`` (Vuns`qu`mtLmtimjlnb` Cnbljcr) ch ta` Lmtimjlnb` Cnbljitlcm, usuibby ta` Wrust`` cr Kcrtjij` V`rvlf`r). Lm tals sf`mirlcta` p`rh`ftlcm ch bl`m rljats (T`rh`ft`g Failm ch Wltb`) gc`s mct kitfa ta` kitfa ta` Failm ch M`jctlitlcmch ta` Tip`r Trcklsscry Mct` sacwm ny lmgcrs`k`mts, img, is sufa, prcv`s ta` Tip`r Trcklsscry Mct` ls mcbcmj`r s`fur`g ny ta` V`furlty Lmstruk`mt is ta` V`furlty Lmstruk`mt ais n`fck` i Mubblty ny cp`ritlcm chbiw. Wa`s` hlblmjs lm punblf r`fcrgs ir` hriug upcm punblf r`fcrgs.

Is im lbbuslcm, tc ibb`j`gby prcvlg` i s`furlty lmt`r`st tc ibbcw hcr im ibt`rmit` k`tacg tc fcbb`ft vibu` hcr ta`(PFF Irtlfb` 1) Lmtimjlnb` lmstruk`mt, ta` kie`r ch ta` (PFF Irtlfb` 1) Lmtimjlnb` lmstruk`mt pb`gj`g isfcbbit`rib ta` @b`ftrcmlf Kcrtjij` Bcim Tifeij`, `vlg`mf`g ny i gljltlz`g fcpy ch im PFF I rtlfb` 6Wimjlnb` lmstruk`mt img lts umg`rbylmj s`furlty lmt`r`st (lmstruk`mt), mct p`rh`ft`g ch r`fcrg lm ta` lmtimjlnb`purfais`r's mik`. Wc hurta`r ta` iffcumt g`ntcr's g`f`ptlcm, fbilks ir` kig` tait Iffcumt G`ntcr wis`x`futlmj i tru` sib` ch ta` timjlnb` mct` img lt's s`furlty tc ta` purfais`r ch ta` lmtimjlnb` cnbljitlcm, tals lsi b`jib lkpcsslnlblty Lmtimjlnb` purfais`r m`v`r cntilm`g b`jib rljats tc ibt`rmit` timjlnb` k`tacg chpiyk`mt.

V`furlty Lmt`r`st tc im ibb`j`g Iffcumt G`ntcr (rljats tc fcbb`ft Hutur` Tiyk`mts pb`gj`g ny ta` IffcumtG`ntcr), walfa wis tc aiv` n``m s`fur`g ny ta` Tiyk`mt Vtrìk hrck ta` Wimjlnb` Cnbljitlcm5 wa`r` imibt`rmit` k`tacg tc r`f`lv` vibu` wis gcm` vli i prcp`rby ittifa`g img p`rh`ft`g rìb prcp`rty s`furlty

lmt`r`st, fcubg mct aiv` tie`m pbif` b`jibby umg`r ta` furr`mt jcv`rmlmj biws wltacut aivlmj n``m lm wrltt`mtimjlnb` pip`r hcrk. ^ìb prcp`rty V`furlty Lmt`r`sts ir` jcv`rm`g ny bcfib biws ch ourlsglftlcm. PFF Irtlfb`< jcv`rmimf` hcr ittifak`mt img p`rh`ftlcm ch s`furlty rljats tc ta` lmtimjlnb` cnbljitlcm ls blklt`g tcp`rscmib prcp`rty s`furlty lmt`r`sts sufa is jccgs img s`rvlf`s.

I Wimjlnb` Cnbljcr cr Iffcumt G`ntcr kiy cr kiy mct n` i acbg`r lm gu` fcurs` ch im PFF 6 Lmstruk`mt,wa`r` glstlmft img s`pirit` biws ippby tc ta` timjlnb` s`furlty lmstruk`mt aiv` mct n``m hcbbcw`g, `v`m lhWimjlnb` Cnbljcr/Iffcumt G`ntcr wis `mtltb`g tc `mhcrf` ta` PFF 6 Lmstruk`mt gc`s mct kìm tait ta`Wimjlnb` Cnbljcr ls i pirty `mtltb`g tc `mhcrf` s`furlty lmstruk`mt (pirty tc `mhcrf` ta` timjlnb` mct` img ta`timjlnb` s`furlty lmstruk`mt). Wa` trust ais n``m fcmv`y`g i trimsh`rinb` r`fcrg, bìvlmj i Wimjlnb` pip`rPFF Irtlfb` 6 Mct` B@VV ta` rljats s`furlmj lt, is wcubg aiv` `xlst`g lh ta` V`furlty Lmstruk`mt s`furlmjta` PFF Irtlfb` 6 Wimjlnb` Mct` aig n``m issljm`g lm iffcrgimf` tc biws ch bcfib ourlsglftlcm.

Hurta`rkcr`, ny MCW issljmlmj ta` V`furlty Lmstruk`mt s`furlmj ta` PFF Irtlfb` 6 Wimjlnb` Mct` lmiffcrgimf` tc bcfib biws ch ourlsglftlcm5 ta` PFF 1 Lmtimjlnb` Cnblj``, ais tie`m pcss`sslcm ch im@b`ftrcmlf Kcrtjij` Bcim Tifeij` bifelmj b`jib rljats tc ta` timjlnb` s`furlty lmstruk`mt. Tursuimt tc

bcfib biws ch ourlsglftlcm? Zltacut ta` PFF Irtlfb` 1 trimsh`rinb` r`fcrg5 ta` Lmtimjlnb` Cnblj`` p`rh`ftlmjch r`fcrg, (ta` timjlnb` rljats tait ir` hcumg lm ta` Wimjlnb` V`furlty Lmstruk`mt, sufa rljats lmfbug` ta`pcw`r ch sib`) ta` PFF 1 trimsh rinb` r`fcrg Lmtimjlnb` Cnblj`` ls MCW i T`rh`ft`g Wimjlnb` Cnblj``.


8/24


Lt ls lkpcrtimt tc umg`rstimg tait PFF Irtlfb` < gc`s mct glstlmjulsa i glhh`r`mf` n`tw``m m`jctlinb` PFFIrtlfb` 6 (Wimjlnb` M`jctlinb` Lmstruk`mts) img mcm-m`jctlinb` (Lmtimjlnb` mcm-Irtlfb` 6 lmstruk`mt sufa isim `Mct` cr Wrimsh`rinb` ^`fcrg), is trimsh`rinb` r`fcrg lmstruk`mts ir` jcv`rm`g ny PFF Irtlfb` 15 walfals ibsc `xfbuslcm ch `Vljm img P@WI. PFF Irtlfb` < jcv`rmimf` ls blklt`g tc p`rscmib prcp`rty s`furltylmt`r`sts, sufa is jccgs img s`rvlf`s. T`rscmib prcp`rty V`furlty Lmt r`sts ir` jcv`rm`g ny PFF Irtlfb` mgpurfais`rs r`subtlmj lm hriugub`mt hlblmj lm punblf r`fcrgs.

^`ig`r mct`? Vp`flhlf g`tilbs ch fbl`mts umlqu` trimsiftlcm alstcry hcumg lm ta` Failm ch Wltb`Imibysls img Kcrtjij` Hriug Lmv`stljitlcm wlbb g`t`rklm` lh i vlcbitlcm ais cffurr`g.


9/24

>496 Kcrtjij` Fckpblimf` Lmv`stljitcrs111-7? KC^WJIJ@ BCIM W^IMVIFWLCM ALVWC^\

Kcrtjij` Bcim G`tilbs?

NC^^CZ@^ OCAM GC@

FC-NC^^CZ@^ MI

VPNO@FW IGG^@VV9>67 IM\ VW.

IM\WCZM, PVI 9>670

KC^WJIJ@ B@MG@^ HL^VW IK@^LFIM NIME

FP^^@MW V@^XLF@^ V@FCMG IK@^LFIM NIME

KC^WJIJ@ MCKLM@@/N@M@HLFLI^\ K@^V

KC^WJIJ@ W^PVW@@ \@ CBG W^PVW@@ FCKTIM\

WLWB@ FCKTIM\ J^@IW IK@^LFIM WLWB@

FBCVLMJ GIW@ H@N^PI^\ >448

C^LJLMIB BCIM IKCPMW $>>6708:

X`rlhlfitlcm hrck K@^V Z`nslt`?


10/24


X`rlhlfitlcm hrck Himml` Ki` / Hr`ggl` Kif Z`nslt`?

V`furltlzitlcm G`tilbs?

LMX@VWK@MW NIME HIMML@ KI@

VTCMVC^/V@BB@^ PMEMCZM

G@TCVLWC^ PMEMCZM

^@KLF MIK@ HMKI >44:-4>44:

KIWP^LW\ GIW@ IT^LB >0, >47:


11/24


V@FWLCM >? KC^WJIJ@ BCIM W^IMVIFWLCM ALVWC^\ (fcmtg)

BCIM HCPMG LM JV@ W^PVW?

FBIVV@V IFWLX@/TILG


12/24

>496 Kcrtjij` Fckpblimf` Lmv`stljitcrs111-7ch >7


Lmtrc tc KFL Lmhcjripalf?

9. Wa` failm ch fustcgy r`h`rs tc ta` farcmcbcjlfib gcfuk`mtitlcm cr pip`r trilb, sacwlmj ta`s`lzur`, fustcgy, fcmtrcb, trimsh`r, imibysls, img glspcsltlcm ch `vlg`mf` ncta payslfib img`b`ftrcmlf. L aiv` lmfbug`g r`sìrfa r`jirglmj gcfuk`mts tait w`r` mct hcumg tc n` r`fcrg`g lmta` failm ch fustcgy. Wc ibbcw hcr ta` Tcw`r ch Vib` tc n` ivilbinb` hcr i pirty tc aiv` stimglmj,ta` failm ch lmgcrs`k`mts ippìrlmj cm ta` hif` ch ta` Mct` Lmstruk`mt kust n` lm timg`k kitfata` r`fcrgitlcm ch ta` failm ch Issljmk`mts ch UV`furlty Lmstruk`mt[ lm ta` Tunblf ^`fcrgs.Hilbur` tc prcp`rby r`fcrg Issljmk`mts ch ta` UV`furlty Lmstruk`mt[ (bl`m) walfa wcubgk`kcrliblz` i Mct`s m`jctlitlcm, wa`r` wltacut lmgcrs`k`mts is lt p`rtilms tc ta` trimsh`r ch

n`m`hlflib img s`furlty lmt`r`st lm rìb prcp`rty, fim r`mg`r ta` UV`furlty Lmstruk`mt[ i mubblty nycp`ritlcm ch biw is ta` Mct` ls um`mhcrfìnb` umg`r PFF 6->49, 6->47 & 6-64>(g). I s`furltylmt`r`st fimmct `xlst lmg`p`mg`mt ch ta` cnbljitlcm lt s`fur`s. M`jus-Vcms, Lmf., 784 N.^. it :01,quctlmj Lm r` Igvimf`g Ivlitlcm, Lmf., 949 N.^. 694, 696 Nimer. K.G. Hbi. 9. Nimelmj Triftlf` gc`s mct cv`rfck` Pmlhcrk Fckk`rflib Fcg` PVFI (9g 0 Pmlt`g Vtit`s ch Ik`rlfi v.Aln`rmli Mitlcmib Nime :9, >:7, >9 B.@g. 696 (91:>), ta` P.V.Vupr`k` Fcurt stit`g Wa` mct` img kcrtjij` ir` lms`pirinb`5 ta` hcrk`r is `ss`mtlib,

ta` bitt`r is im lmflg`mt. Im issljmk`mt ch ta` mct` firrl`s ta` kcrtjij` wlta lt, walbìssljmk`mt ch ta` bitt`r ibcm` ls i mubblty... Wa` kcrtjij` fim aiv` mc s`pirit`

`xlst`mf`. Za`m ta` mct` ls pilg ta` kcrtjij` `xplr`s. Lt fimmct survlv` hcr i kck`mt ta`

g`nt walfa ta` mct` r`pr`s`mts. Wals g`p`mg`mt img lmflg`mtib r`bitlcm ls ta` fcmtrcbblmjfcmslg`ritlcm . . . .

0. Wals sfa`kitlf sacws ta` ipprcxlkit` pitas tait sacubg aiv` n``m tie`m ny ta` pirtl`s lmvcbv`g walfawcubg aiv` ifal`v`g i prcp`rby s`fur`g pirty. Wa` gcfuk`mts tait wcubg aiv` n``m hlb`g, lmg`x`g img r`fcrg`gny ta` fcumty r`fcrg`r wcubg aiv` frìt`g im `mfuknrimf` ch ta` prcp`rty img wcubg aiv` biwhubby tie`m pbif`.Wals prcf`ss wcubg aiv` ifal`v`g i prcp`rby s`fur`g pirty. Wals sfa`kitlf ibsc sacws wait ta` nimes cht`miftuibby gc lm r`jirgs tc trimsh`rrlmj ta` Wimjlnb` gcfuk`mts img ta` Lmtimjlnb` r`fcrgs?

^ìg`r Mct`? Wa` hcbbcwlmj lmhc jripalf g`plfts trimsiftlcms tait p`rtilm tc ycur umlqu` Failm ch

Wltb` Imibysls. ^`h`r`mf`s kiy n` kig lm t`xt ncx`s wltalm ta` lmhcjripalf tait p`rtilm tc sp`flhlf

pirijripas wltalm ycur umlqu` Failm ch Wltb` Imibysls.


13/24



14/24



Failm ch Wltb` Imibysls img Kcrtjij` Hriug Lmv`stljitlcm?

Wa` hcbbcwlmj Failm ch Wltb` g`tilbs ir` i blstlmj ch ta` gcfuk`mts r`bit`g tc ta` prcp`rty lm farcmcbcjlfib crg`r.Wals failm ch fustcgy ls m`f`ssiry tc kilmtilm im umnrce`m failm it ibb tlk`s pursuimt tc Vtit` Biw. Z` aiv`lmv`stljit`g ta` gcfuk`mts tait w`r` r`fcrg`g wltalm ta` Fcumty ^`fcrg`rs Chhlf` wa`r` ta` rìb prcp`rty

r`slg`s, is w`bb is ta` gcfuk`mts tait w`r` MCW r`fcrg`g wltalm ta` Fcumty ^`fcrg`r s Chhlf` nut w`r` kig`chhlflib ny hlblmj lmtc punblf r`fcrg is `xalnlts.

Im @xiklmitlcm ch ta` Gc` Kcrtjij` BcimWa` Gc` Lmtimjlnb` Cnbljitlcm wis scbg tc Kubtlpb` Fbiss`s ch ta`

Himml` Ki` Juirimt``g ^@KLF Tiss Warcuja F`rtlhlfit`s V`rl`s >44:->44:-4>< Wrust) cm H`nruiry 9, >44:

9. Cm Iujust :, >496 L r`sìrfa`g Ocam Gc` wacs` prcp`rty iggr`ss ls 9>67 Imy Vtr``t, \cur Wcwm, PVI9>670. Ocam Gc` aig ibb`j`gby sljm`g i Mct` lm hivcr ch Ik`rlfim Kcrtjij` M`twcre, Lmf. cm H`nruiry 9, >44:.Wals bcim wis lg`mtlhl`g lm kubtlpb` fbiss`s ch HMKI >44:-4>< Wrust. Wa` bcim ls n`lmj s`rvlf`g ny Cm`Z`stNime HVN

>. Wa` rljats tc ta` Gc` Lmtimjlnb` Cnbljitlcm aiv` n``m fcmv`y`g is i Wrimsh`rinb` ^`fcrg tc kubtlpb`fbiss`s ch ta` HMKI >44:-4>< Wrust. Hcr rljats tc ta` Gc` Lmtimjlnb` Cnbljitlcm mct tc aiv` n``m strlpp`g iwiyhrck ta` rljats tc ta` Gc` Mct` ny tait fcmv`yimf`, rljats tc ta` Gc` Mct` kust aiv` ibsc n``m trimsh`rr`g tckubtlpb` fbiss`s ch ta` HMKI >44:-4>< Wrust.

6. @v`m tacuja ta` Gc` Lmtimjlnb` Cnbljitlcm ls cwm`g ny kubtlpb` fbiss`s ch ta` HMKI >44:-4>< Wrust Ltfim cmby n` g`t`rklm`g lh ta` crljlmib Gc` Mct` aig n``m payslfibby g`blv`r`g tc kubtlpb` fbiss`s ch ta` HMKI>44:-4>< Wrust ny fa`felmj wlta ta` fustcglim ch gcfuk`mts. Pmtlb ta`m, ta`r` ls mc `vlg`mf` kubtlpb` fbiss`s chta` HMKI >44:-4>< Wrust pcss`ss`g lm imy kimm`r ta` Gc` Mct` n`hcr` rljats tc ta` Gc` Lmtimjlnb` Cnbljitlcmwis strlpp`g iwiy.

7. Wa` rljats tc ta` Gc` Lmtimjlnb` Cnbljitlcm aiv` n``m fcmv`y`g is i Wrimsh`rinb` ^`fcrg tc kubtlpb`fbiss`s ch ta` HMKI >44:-4>< Wrust. Hcr ta` fcmgltlcms ch Gc` G``g ch Wrust cv`r ta` Gc` Lmtimjlnb` Cnbljitlcmmct tc aiv` n``m strlpp`g iwiy ny tait fcmv`yimf`, rljats tc ta` Gc` G``g ch Wrust kust aiv` ibsc n``m ifqulr`gtc kubtlpb` fbiss`s ch ta` HMKI >44:-4>< Wrust.

0. Wa` n`m`hlflib lmt`r`st (cwm`rsalp) ch ta` Gc` G``g ch Wrust ais n``m r`fcrg`g lm ta` Chhlflib r`fcrgs ch(\cur Fcumty) Fcumty ^`jlstry is n`lmj lm ta` mik` ch Ik`rlfim Kcrtjij` M`twcre, Lmf. ch ta` bcim cmH`nruiry 9, >44:. Acw`v`r, lt ls fbìr tait Ik`rlfim Kcrtjij` M`twcre, Lmf. is r`fcrg`g is ta` crljlmib b`mg`r cmta` Gc` G``g ch Wrust scbg ibb cwm`rsalp lmt`r`st, lm ta` Gc` Lmtimjlnb` Cnbljitlcm tc kubtlpb` fbiss`s ch ta`HMKI >44:-4>< Wrust sacrtby iht`r sljmlmj. Lmt`r`st lm ta` Gc` Lmtimjlnb` Cnbljitlcm ls a`bg lm kubtlpb` fbiss`sch ta` HMKI >44:-4>< Wrust img ta` piyk`mts umg`r ta` Gc` Lmtimjlnb` Cnbljitlcm ir` glsnurs`g tc ta` lmv`stcrsch kubtlpb` fbiss`s ch ta` HMKI >44:-4>< Wrust wac acbg f`rtlhlfit`s tc ta` lmv`stk`mt fbiss`s lmtc walfa

piyk`mts umg`r ta` Gc` Lmtimjlnb` Cnbljitlcm ir` sfa`gub`g tc hbcw. Wa`r`hcr` ta` trimsh`r ch n`m`hlflib lmt`r`stlm ta` Gc` G``g ch Wrust ny Ik`rlfim Kcrtjij` M`twcre, Lmf. kljat n` iffckpblsa`g, nut tait n`m`hlflib lmt`r`stls mc bcmj`r ittifa`g tc rljats tc ta` Gc` Lmtimjlnb` Cnbljitlcm.

Is Kubtlpb` Fbiss`s ch ta` HMKI >44:-4>< Wrust aiv` im Lmt`r`st lm

ta` Gc` Lmtimjlnb` Cnbljitlcm

Kubtlpb` Fbiss`s ch ta` HMKI >44:-4>< Wrust

Ir` ^`qulr`g tc Aiv` Lmt`r`st lm ta`

Gc` Mct` img ta` Lmt`r`st lm ta` Gc` G``g ch Wrust


15/24


8. Himml` Ki` ls lm nuslm`ss tc nuy lmt`r`sts lm G``g ch Wrust Bcims img g`blv`r tait lmt`r`st lm tacs` bcimslmtc Kcrtjij` Nife`g V`furltl`s (KNV) pccbs. Himml` Ki` stit`s lm lts Himml` Ki` Gcfuk`mt FustcglimTrcf`gur`s Aimgncce lm Faipt`r 6 pij` >

Gcfuk`mt Fustcglims ir` r`spcmslnb` hcr v`rlhylmj f`rtilm lmhcrkitlcm fcmtilm`g lm ta` Mct`s img r`bit`ggcfuk`mts hcr ta` Kcrtjij`s scbg tc Himml` Ki` img hcr f`rtlhylmj tait ycu aiv` p`rhcrk`g tacs` v`rlhlfitlcmsimg tait ta` crljlmib gcfuk`mts ir` lm ycur pcss`sslcm.

: Ny kubtlpb` fbiss`s ch ta` HMKI >44:-4>< Wrust purfaislmj ta` Gc` Lmtimjlnb` Cnbljitlcm img gclmjwlta lt wait`v`r wis gcm`, kubtlpb` fbiss`s ch ta` HMKI >44:-4>< Wrust wis `x`rflslmj rljats ch cwm`rsalp cv`rta` Gc` Kcrtjij` Bcim img ta` piyk`mt strìk. Ny `x`rflslmj rljats ch cwm`rsalp cv`r ta` Gc` Kcrtjij` Bcimkubtlpb` fbiss`s ch ta` HMKI >44:-4>< Wrust kig` i fbilk ch rljats tc ibb tar`` pirts ch ta` Gc` Kcrtjij` Bcim.

1. Wa` Gc` Kcrtjij` Bcim cmby `xlsts tarcuja ta` timjlnb` lmstruk`mts frìtlmj lt, ta` Gc` Mct` img ta`Gc` G``g ch Wrust. Wa` sib` ch ta` Gc` Lmtimjlnb` Cnbljitlcm tc kubtlpb` fbiss`s ch ta` HMKI >44:-4>< Wrustwltacut strlplmj iwiy ta` rljats tc ta` Gc` Lmtimjlnb` Cnbljitlcm hrck ta` rljats tc ta` Gc` Mct`, fcubg cmby nìffckpblsa`g wlta ta` iffckpimylmj m`jctlitlcm ch ta` Gc` Mct` img ta` iffckpimylmj issljmk`mt ch ta` Gc`G``g ch Wrust.

44:-4>< Wrust cwm ta` Gc` Lmtimjlnb` Cnbljitlcm, img `x`rfls`s taitfbilk. Wc `x`rfls` ta` fbilk ch rljats tc ta` Gc` Lmtimjlnb` Cnbljitlcm, im issljmk`mt ch ta` Gc` G``g ch Wrustsacubg aiv` tc aiv` n``m iffckpblsa`g. Kubtlpb` fbiss`s ch ta` HMKI >44:-4>< Wrust ir` iftlmj is lh imissljmk`mt ch ta` Gc` G``g ch Wrust ais n``m iffckpblsa`g.

94. Wa` m`jctlitlcm ch ta` Gc` Mct` tc Himml` Ki` ls r`qulr`g ncta ny Himml` Ki`'s cwm r`qulr`k`mts imgFiblhcrmli Vtit` Biw. Himml` Ki`'s cwm Himml` Ki` Gcfuk`mt ^`qulr`k`mts hcr Gcfuk`mt Fustcglims faipt`r6 pij` 65

Ppcm r`f`lpt ch i g`blv`ry ch Mct`s hrck ta` V`bb`r, ycu kust v`rlhy ta` giti. Wa` lmhcrkitlcm cm ìfa

Mct` kust kitfa ta` fcrr`spcmglmj lmhcrkitlcm lm ta` V`bblmj Vyst`k.X`rlhy ta` Mct`. Wa` Mct` kust n` crljlmib img fckpb`t`. Wa` Mct` kust ibsc n` crljlmit`g cm i Himml`

Ki`/Himml` Ki`, i Himml` Ki`, cr i Himml` Ki` Pmlhcrk Lmstruk`mt. V`` Julg` @xalnlt 7 hcr ifckpb`t` blst ch furr`mt Pmlhcrk Lmstruk`mts.X`rlhy ta` failm ch `mgcrs`k`mts (Mct`).X`rlhy ta` failm ch issljmk`mts (s`furlty lmstruk`mt).

Kubtlpb` Fbiss`s ch ta` HMKI >44:-4>< Wrust

Fim Mct Fbilk Lmt`r`st lm @lta`r

ta` Gc` Mct` cr ta` Gc` G``g ch Wrust

99. Wa` kubtlpb` fbiss`s ch ta` HMKI >44:-4>< Wrust cwm ta` Gc` Lmtimjlnb` Cnbljitlcm. Acw`v`r ta`trimsh`r ch rljats tc `lta`r ch ta` twc timjlnb` pirts ch ta` s`furlty lmstruk`mt tait `vlg`mf` ta` Gc` Lmtimjlnb`Cnbljitlcm hrck Ik`rlfim Kcrtjij` M`twcre, Lmf. tc kubtlpb` fbiss`s ch ta` HMKI >44:-4>< Wrust ls mct

k`kcrliblz`g lm ta` (\cur Fcumty) Fcumty ^`fcrg.

9>. Pmg`r ta` Fcmsuk`r Fr`glt Trct`ftlcm Ift Wltb` 90 PVF Faipt`r 79 9879(j) imy trimsh`rs ch ta` Gc`Kcrtjij` Bcim tc kubtlpb` fbiss`s ch ta` HMKI >44:-4>< Wrust wcubg n` lm vlcbitlcm ch H`g`rib Vtitut`, lh tacs`trimsh`rs aig mct n``m r`fcrg`g lm ta` (\cur Fcumty) Fcumty ^`fcrg wltalm 64 giys ibcmj wlta mctlhlfitlcm chOcam Gc` tait ta` trimsh`rs aig cffurr`g. Is ta`r` ir` mc r`fcrg`g issljmk`mts ch ta` Gc` G``g ch Wrust tckubtlpb` fbiss`s ch ta` HMKI >44:-4>< Wrust wltalm 64 giys ch H`nruiry 9, >44:, `lta`r ta`r` ais n``m ivlcbitlcm ch H`g`rib Biw cr kubtlpb` fbiss`s ch ta` HMKI >44:-4>< Wrust, wac ir` ta` cwm`rs ch ta` Gc`Lmtimjlnb` Cnbljitlcm, ir` mct ta` cwm`rs ch `lta`r ta` Gc` Mct` cr ta` Gc` G``g ch Wrust.


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Wltb` 90 PVF Faipt`r 79 9879(j)(j) Mctlf` ch m`w fr`gltcr(9) L m j`m rib

Lm iggltlcm tc cta`r glsfbcsur s r`qulr`g ny tals sunfaipt r, mct bit`r taim 64 giys iht`r ta` git` cm walfa i

kcrtjij` bcim ls scbg cr cta`rwls` trimsh`rr`g cr issljm`g tc i talrg pirty, ta` fr`gltcr tait ls ta` m`w cwm`r crissljm`` ch ta` g`nt saibb mctlhy ta` ncrrcw`r lm wrltlmj ch sufa trimsh`r, lmfbuglmj(I) ta` lg`mtlty, iggr`ss, t`b`pacm` mukn`r ch ta` m`w fr`gltcr5

(N) ta` git` ch trimsh`r5(F) acw tc rìfa im ij`mt cr pirty aivlmj iutacrlty tc ift cm nàibh ch ta` m`w fr`gltcr5

(G) ta` bcfitlcm ch ta` pbif` wa`r` trimsh`r ch lmt`r`st lm ta` g`nt ls r`fcrg`g5 img(@) imy cta`r r`b`vimt lmhcrkitlcm r`jirglmj ta` m`w fr`gltcr.

96. Wa`r` aiv` n``m mc issljmk`mts ch ta` Gc` G``g ch Wrust tc kubtlpb` fbiss`s ch ta` HMKI >44:-4>44:-4>40. VT@FLIB LMGC^V@K@MW5 NBIME LMGC^V@K@MW5 IMCKIBCPV LMGC^V@K@MW

(i) Lh im lmgcrs`k`mt ls kig` ny ta` acbg`r ch im lmstruk`mt, wa`ta`r piyinb` tc im lg`mtlhl`g p`rscm crpiyinb` tc nìr`r img ta` lmgcrs`k`mt lg`mtlhl`s i p`rscm tc wack lt kie`s ta` lmstruk`mt piyinb`, lt ls i"sp`flib lmgcrs`k`mt." Za`m sp`flibby lmgcrs`g, im lmstruk`mt n`fck`s piyinb` tc ta` lg`mtlhl`g p`rscmimg kiy n` m`jctlit`g cmby ny ta` lmgcrs`k`mt ch tait p`rscm. Wa` prlmflpb`s stit`g lm V`ftlcm 6-994ippby tc sp`flib lmgcrs`k`mts.

(n) Lh im lmgcrs`k`mt ls kig` ny ta` acbg`r ch im lmstruk`mt img lt ls mct i sp`flib lmgcrs`k`mt, lt ls i "nbimelmgcrs`k`mt." Za`m lmgcrs`g lm nbime, im lmstruk`mt n`fck`s piyinb` tc nìr`r img kiy n` m`jctlit`gny trimsh`r ch pcss`sslcm ibcm` umtlb sp`flibby lmgcrs`g.

(f) Wa` acbg`r kiy fcmv`rt i nbime lmgcrs`k`mt tait fcmslsts cmby ch i sljmitur` lmtc i sp`flib lmgcrs`k`mtny wrltlmj, incv` ta` sljmitur` ch ta` lmgcrs`r, wcrgs lg`mtlhylmj ta` p`rscm tc wack ta` lmstruk`mt ls

kig` piyinb`.

(g) "Imckibcus lmgcrs`k`mt" kìms im lmgcrs`k`mt kig` ny i p`rscm wac ls mct ta` acbg`r ch ta`lmstruk`mt. Im imckibcus lmgcrs`k`mt gc`s mct ihh`ft ta` kimm`r lm walfa ta` lmstruk`mt kiy n`m`jctlit`g.


24/24

V@FWLCM 7? ITTBLFINB@ @GPFIWLCMIB KIW@^LIB (FCMWG)

W\T@V CH LMGC^V@K@MW

mortgage fraud investigation and chain of title information

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