MORTGAGES, NOTES, DEEDS and LOANS in CRIMEby Bill Tommolino and Gary Michaels

The American Dream has been shattered. The once Loved ldea of Owning a Home hasbeen Stolen by Corruption and Organized Crime. Foreclosures and Mortgage Theft isRampant. What appears to been a decline of Real Estate values is not an Accident.

This entity or Group is actually perpetrated and created by MERS. MERS stands for aDelaware Corporation known as Merscorp, lnc. MERS or which is known as theMortgage Electronic Registrations Systems, lnc with its principal place of business inVirginia. MERS is a wholly owned subsidiary of Merscorp, lnc. and is always referredcollectively as "MERS". MERS holds Mortgages on Property in All Counties withinevery State, and all 50 States in the United States.

MERS has committed and is committing Devious indirect crooked trickery tactics inevery State and has caused and is causing lnjury to Persons or Property within eachState of the United States.

MERS has acquired illegd monies of Millions of Dollars in unpaid Recording Fees andhas unlawfully Avoided through a Nationwide Scheme perpetrated by MERS, itsPrincipals, and its Members, and to eliminate the rights, duties and obligations of anyand all Clerks that are Stewards of all Public Records for his or her County withinanyone State in the United States, who is responsible for recording all instrumentsrequired or authorized by law to be recorded in each County of each State of the entireUnited States.

The Public Recording system serves Two important purposes, as it pertains to RealProperty. First it provides a Mechanism by which Private lndividuals can put others onNotice of their lnterest in a Particular Parcel of Property. Second, it Protects the Publicby providing a reliable Historical Record of Past and Current Ownership of all RealProperty in a given State. Historically, and In accordance with the majority of StateLaws, those possessing an Interest in Real Property would cause their lnterest to beRecorded in the Official records in the County in which the Property was situated.

Despite this longstanding tradition, lhe Mortgage Bankers Association ( "MBA") - theGreator of MERS and others in the Mortgage Lending lndustry was determined toSidestep and Refused to Comply with the Recording Laws by Physically Recordinglnterest in Real Property.

lnstead, to further their own purposes to the Detriment of the Public, the MBA andCertain of its Members and Affiliates Established their own PRIVATE ElectronicRecording System at the Center this Private System is called MERS. MERS has no

power of authority to do this at all. The MBA just did it without any Legal Legislationwhatsoever. MERS is an lllegal Operation that is Hiding in Plain Sight from everyCitizen in the United States of America. lt is the Selling and Transaction of Mortgagesbehind everyones back. lt is the Selling of something that they Do Not Own at all.

The MERS System was Created and Emerged by the Mortgage Bankers Association inthe early mid - 1990s, by which time the Aggregation of Mortgages and MortgageServicing Rights had become Big Business in the United States. At that time allMortgage Servicing Companies sought to accumulate and Trade ever growing Numbersof Mortgages, Packing them into Massive POOLS and Selling lnterests in the Pools tolnvestors, which is known as Mortgage "Securitization".

So who is MERS? The Bankers are aware of MERS. MERS holds approximately over65 Million American Mortgages. MERS and is a Delaware Corporation known asMERSCOPE, lnc.

MERS os Nothing more than a Name that is used on the Mortgages in Place of theActual Lender. MERS main Function is to Act as a DOCUMENT CUSTODIAN. Nothingmore. MersCorp was created by the Former C.E.O's of Fannie Mae, Freddie Mac, lndyMac, Country Wide, Stewart Title lnsurance and the American Land Title Association.

The Executives of these Companies Lined their Pockets with BILLIONS of DOLLARS ofUNEARNED BONUSES and FREE STOCK by creating Mortgage Backed Securitiesusing BOGUS MORTGAGE LOANS to UNQUALIFIED BORROWERS thereby Creatinga Huge FALSE DEMAND for Residential Homes and thereby Falsely lnflating the Valueof those Homes. The MERS Paperless System is a Crooked Rip-Off Scheme that isbeen seen for Generations past in Crooked Financial Schemes.

The MERS Criminal Enterprise has Created the lnevitable Collapse of all the CrookedMortgage Swindles that have led to Disastrous Repercussions. MERS DOES NOTHOLD ANY Promissory Notes of any kind anywhere. A Party must have Possession ofa Promissory Note in Order to have Standing to Enforce and or otherwise Collect a Debtthat is owned to another Party. MERS DOES NOT HAVE LEGAL STANDING toEnforce or Collect on the over 60 Million Mortgages it Controls and NO MEMBER ofMERS has any Standing in an American Civil Court.

The American Media has Reported an ldentified MERS as a Mortgage Lender, Creditorand a Mortgage Company. This is a Lie. MERS is nothing more than a Name on aPiece of Paper that it is Printed on. MERS is a Name that is Put on Mortgages to givethe False lmpression that they (MERS) has some sort of Legal Status, in the Matter

of a Loan Made made by a Completely different and almost always a totally unknownentity. A Fairy Tale, is more Valuable than what MERS Tells You. In other words MERSis full BS! DO NOT Fall for a LIE! WHEN THE PROMISSORY NOTE lS LOST,MISSING or STOLEN, MERS is NOT the HOLDER.ln Order for MERS to Aggregate Loans into Pools and Mortgage Servicing Rights intoLarge Portfolios, Promissory Notes and Mortgages it had to be Assigned from aMultitude of Smaller Mortgage Lenders to Large National Banks and ServicingOrganizations.

To Understand this, is to note that the Assignment of Mortgage Loans entails certaincosts. One such cost is the Payment of Fees to Governmental lnstitutions whichRecord and Keep Public Records in each State of the United States. The MBA andSeveral Large Financial lnstitutions desired to "Streamline" the Assignment ofResidential Mortgages and Mortgage Servicing Rights by and between MortgageLenders, Services, Securitizers and others in the lndustry. To reduce the CostsAssociated with such Assignments and by Circumventing the Public RecordingAltogether. MERS now became the vehicle in which they sought to accomplish thisScheme. ln other words they (MERS) Cut out all Public Recording and instead used aData System for their own Purposes.

The MERS system now can avoid all the Recordation Requirement, and theAccompanying Fees, and in doing so Deprives the Clerks of the Courts of theRecording Fees to which they are Entitled and the Public of its ability to ldentify theTRUE MORTGAGEE or Mortgaged Property.

MERS and the Private Recording System is Listed as the "Mortgagee" on Millions ofLoans throughout the United States. However, MERS DOES NOT ORIGINATE anyLoans, Lend any Money or Own or Hold any Promissory Notes. MERS acts as astraw man or a placeholder in the Public Records by allowing the True, BeneficialOwner of a Loan to REMAIN ANONYMOUS and to be CHANGED AT WILL "WithoutNotice" to the Public and Without Recording an Assignment in the Official Records orPaying the Fees Associated therewith. MER'S Deceptive Business practice is bestSummarized on its application to all of its potential members, which is available on itswebsite. www.mersinc.org, They state:

MERS saves time lenders time and moneJr, and reduces paperwork, by eliminating theneed to prepare and record assignments when trading loans. Borrowers name MERSas mortgagee and nominee for the lender on deeds of trust and mortgages that arerecorded in the counV land records. Lenders then register the loans on the MERS

the life of the loan

Despite MER's assertions to the contrary Borrowers took no action "to name MERS asMortgagee and Nominee" This entire process is driven entirely by MERS as a GOSTSAVING Mechanism to facilitate MER's efforts to permit its Members to Assign that is(often repeated) their interests promissory notes among MERS Members on PrivateSystem without signing the Mortgage on any Clerks'of the Court Recording System.This effort to Disconnect the Debt of (the Note) from the Collateral (the Mortgage) loSave on Recording Cosfs is at the Heart of this UnlaMul Scheme that is MERS.

Mortgage Lenders, Banks and other Members of the Finance Industry Pay Fees tobecome a MERS Member. As a Member they can utilize its System for the ElectronicTracking of Transfers of Mortgages and Mortgage Serving Rights. When a MERSMember originates a Mortgage Loan, the Loan is REGISTERED with a MERS and isASSIGNED a MORTGAGE IDENTIFICATION NUMBER or MIN NuMbEr. ThiS NUMbETis 18 Digits in Length. This is the MERS SECRET! lt tells you Who. What. Why Whereand When. This is the Milestone or the Trail of all Transactions. While the true Lenderis the Obligee on the Promissory Note, MERS is Listed as the "Mortgagee" on theMortgage.

ln this manner, MERS SEPARATES the Promissory Note Evidencing the Debt from theMortgage that is Collateral of Security for the Note. Now the Lender takes Possessionof the Note, and Holds the Note, which is then Assigned Multiple Times through MultipleNote Owners, white MERS is Listed as the "Mortgagee" on the Mortgage Recorded inthe Official Records in the County where the Land is Located. MERS and its Membersrefer such Loans as "MERS on Mortgage" or "MOM" Loans.

Prior to the Formation of MERS, the ASSIGNEE of the Mortgage would Record theAssignment in the Public Records (or risk losing its Lien Property) each time a Mortgagewas Assigned. Now, when a MOM Loan is Assigned from the Originator to anotherMERS MEMBER, No Assignment is Recorded because the purported "Mortgagee" hasnot changed. lnstead, A Notation is made Somewhere in the MERS's PRIVATE FILESwhich Effectuates the Transfer of the Mortgage from one MERS Member to Another.Onty when a MERS Member Transfers its lnterest to a NON-MEMBER or when aMERS Member wishes to FORECLOSE a Mortgage is a TRUE ASSIGNMENT everCreated or Recorded.

MERS is Designed Specifically to Avoid Paying Public Recording Fees. MERSEstimates that it Saves an Average of $30.00 per Assignment Costs per Loan. MERSalso Estimates that Each Loan on its System has been Transferred only Twice, as of2009, MERS Saved its Members at the Tlme an Estimated $2.4 BILLION in RecordingExpenses. lf more than one transfer of a Note was done the actual amount of theavoided Recording Fees would be Multiplied of this number. The Savings wouldnormally be Paid to the Public Officials that are responsible for Maintaining the PublicRecords in Each County, Each State and the entire United States.

The MERS Recording System is Unlawfully Competing and lnterfering with all PublicRecording Systems. This Greed for Power and Money is Monstrous. MERS hasPrivatized the Recording of all Mortgage Assignments in the United States. MERS hasmore than 65 MILLION MORTGAGES that are Registered since 1997. Prior to 1997, aMortgage Assignment would be Recorded in all Official Records by Clerks of all CircuitCourts having the Jurisdiction over Encumbered Property and could be Viewed by thePublic FREE of CHARGE. MERS now Records Mortgage Assignments in it ownPRIVATE RECORDING SYSTEM to which only MERS and its PAYING MEMBERShavo aeeess.

ln other words this is a total Fraud and a Scam that is a an Organized lllegal Enterpriseof the worst kind. The MERS Mortgage Electronic Recording system is a PrivateRecording System that Violates all Laws to Protect the American Public. Not only that,MERS has complete disregard of the Clerks of all Circuit Courts who are the Recorderof all lnstruments that He or She may be Required or Authorized by Law to Record inthe County where He or She is the Clerk.

All Instruments that are Recorded in the Official Records by the Clerks of the CircuitCourts that have the Jurisdiction over the Encumbered Properties that can be viewed bythe Public FREE of CHARGE. MERS Records Mortgage Assignments in its ownPrivate System to which only MERS and its Paying Members have Access.

There has Never been any Legislation Passed to Authorize MERS to do this. WhatMERS has done is create an Organized Crime Operation of the worst kind in the Historyof the United States. MERS and its Members should be Criminally Prosecuted and sentto Prison. The Monetary Damages and lnjury to People and to the United States is anact of a Crime against the American People.

MERS and its Members have Avoided Paying Millions upon Millions of Dollars inRecording Fees through the use of the MERS artifice while at the same time Erodingthe Accuracy of our Official Records and the Public's Access to Correct and TrueInformation.

The MERS Recording System is a "Lie" that is premised on False and MisleadingStatements. The MERS System must Falsely Claim in order for it to Work to be a"Mortgagee" on Millions of Mortgages Recorded in all Official Records in the UnitedStates. However MERS lS NOT a MORTGAGEE. A Mortgagee is One to WhomProperty is Mortgaged. This is the Mortgage Creditor or Lender. ln other words, MERSis NOT LOANING MONEY TO ANYONE. MERS Does not Lend Money or Finance thePurchase of any Real Property. MERS Does not Own anything at all. This is a Scamwhere they are like the "Flim Flam Man" that Sells something that they Do Not Own.MERS does Not own any of the Mortgages at all.

MERS has conspired with its Members to Avoid Paying Recording fees. MERS hasmade Negligent and Fraudulent Misrepresentations on all Documents Filed. Not onlythat, MERS has No True Record and is mis-used by Predatory Lenders to ForgeDocuments as way to seize Property from Homeowners. This is Theft by PaperForgery. The damages to the lndividual is Terrible. The expense and burden ofindividual litigation makes it impossible to seek redress for the wrongs done to them.

The individual has His or Her Credit Destroyed by these Criminals that use the MERSSystem for their own gain. The MERS Systems gives these Criminals a way to hidebehind the Lie of any Mortgage Loan. The Original lnformation of these Documentsare actually kept Secret because there is No Recorded Documents to what is Recordedwith MERS.

The Fact is, the Dirty Secret of MERS is a thing called the "MILESTONE". TheMilestone is the Track Record that is tied Into the 18 Digit MIN Number. This MINNumber is the MERS ldentification Number. This number is on the sitewww.Mersinc.org. The fact is that you will never know the true information as to theTrack Record. This information is kept Secret from the Average Person.

The MIN Number has 18 Digits. The First 7 Numbers are usually the Party thatGenerated the MlN. The Second 10 Numbers is Either a LOAN Number or aSequential Number. lt is up to the MEMBER to DECIDE what that Generates the MINand what they are.

The Horrifying thing about MERS is that they DO NOT HAVE any Employees. MERhas not had any Employees within the last 5 Years. According to MERS they haveapproximately Thousands of Assistant Secretaries and all of these Officers are Unpaid.Not only that there is no Live Person who is an Employee of MERS that they Report to.

However, on January 1, 1999 a Certificate of Corporation was Filed within the State ofDelaware as a Corporation. This was done to Change the Name from MortgageElectronic Registration Systems, Inc. to Merscope, Inc. This was done by and lnWitness thereof, by the Vice President William C. Hultman. lt was done on the 30th Dayof December, 1998. MERS was Recorded on May 8, 2003 Authenticated by Edward J.Freel, Secretary of State, Dated: January 5, 1999.

The Filing was NEW and was a Change of Name known as Mortgage ElectronicRegistration Systems, lnc. The Fee Amount of $40.00 with no additionalAuthorization

to additional Fees. lt was Paid by a Deposit Account Number of : 19-565. The ReceivingParty is MERSCOPE, Inc and the Address is 1595 Spring Hil! Road, Suite 310, Vienna,Virginia 22182 as a Corporation.

The Commissioner of Patents and Trademarks Recorded a Number ot:-102446167 onas stated May 13, 2003.The States in the United States have Filed Law Suits against MERS. The are asFollows:

BAIN vs MERS Washington Supreme Court: MRS CAN NOT BE BENEFICIARY INWASHINGTON STATE.NIDAY vs GMAC MERS, Oregon Appeals Court "Non Judicial Foreclosures. OregonTrust Deed Act in that MRS has No Eight to be Beneficiary.MERS Rico Complaint vs MERSCORP Shareholders.Guilford County, NC vs MERSCOR| JP Morgan Bank, N.A. Bank of America,Wells Fargo Bank.State of Delaware vs MERSCOPE.Commonwealth of Massachusefts vsMERS on behalf of 67 Counties to RecoverRecording "MERS" Fees Lost to Wall Street.Jim Fuller Clerk of the County Court vs MERS.Christian County, Washington, Kentucky vs MERS.Complaint by Curtis Hertel, Nancy Hutchins, Reg of Deeds vs MERSDE Aftorney General Beau Biden Sues MES for Violating Delaware Law.Montgomery County, PA Recorder of Deeds Nancy Becker File ed Lawsuit againstMERS.MERS Subpoenaed by New York Attorney General Eric Scheiderman.Bexar County WillAsk, Texas Attorney General to lnvestigate Suing MERS.Eric Holder, Covington & Burlington and MERSCOPE.ET\c Holder was a Partner wiithCovington & Burling up until 2009 when He became the US. Attorney General for theObama Adminstration. Covington & Burling had MERSCOPE as a Client.

What the Average Person has is a Computer Data System that is a Scam to Deal with.

What You have to do is. is to Send a Letter to the Court. Any Court. Request that theCourt by this Letter that the Numbers and Location and all Transactions have to beDisclosed of Who they Sold to and or (Screwed), the Owner or who Assigned to and theRate of Travel. This is How You Can Find Out.

When You first look at the MERS Site, One will think this really good. The fact is, is thatMERS and all of its Members are all Hiding in Plain Sight running a Criminal EnterpriseCollectively together. This is how they have been getting away with committing of Fraud

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against the American People by the use and application of an Organized CriminalOperation. With the creation of MERS which originally may have made sense, it isactually the Greed of Making Money by Stealing and to Cheat and Lie. This CriminalEnterprise Called MERS may have appeared as a way to Streamline Notes andMortgages to do good is actually a Lie. MERS is a Free for all Way to Steal Moneywithout using a Gun. MERS is now a tie in to Forgery and Fraud Falsification of allMortgages.

What One Must Glearly Understand, is that with Original Documents You Have Proof ofOwnership. However, with MERS, all Predatory Lenders have and are making falseclaims of ownership and literally liaking away from the True Owners their Ownership oftheir Homes by Stealing their Propefi using False Documentation of which they hidebehind without having one Penny involved on their Part.

As a result, the Private Home Owner Gets Destroyed. MERS and its Members Getaway Scott Free by Taking your home. The Fact is, is that MERS has set up aCompeting, Private Recording System for Mortgage Assignments of Documents the isaiding and Encouraging Mortgage Lenders to utilize its Private MERS System in lieu ofRecording Assignments of Mortgages and other Documents in the Official Records ofEach County of Each State and thru out the Entire United States.

MERS has over 5,000 Members and Growing which all of the Members utilize itsPrivate Recording System. The Largest Financial lnstitutions and Mortgage Lenders bytheir virtue of their combination, MERS and its Members have a Peculiar Power ofCoercion over the Real Property Finance lndustry including over borrowers andRecorders of Public Documents, which neither MERS nor any of it s Members wouldhave acting alone.

MERS and its Members have exercised their aggregate coercive powers to RequireBorrowers to Execute Mortgages naming MERS as the "Mortgagee." MERS and itsMembers have further conspired and Agreed to FAIL and REFUSE to RECORDASSIGNMENTS of such Mortgages between them. What MERS did and its Memberswas and is to Conspire and to be Agreed to Record Assignments of Mortgages usingthe MERS's Private Recording System.

ln order to Avoid Statutory Recording Fees, MERS and its Members agreed to and didin fact establish and the MERS system, rather than the Public Recording System for theRecordation and Transfer of Mortgage Assignments and other Documents.

The Key here, is that it is a clear and separate division between Honesty andDishonesty. The Honest Person is like an Honest Company or Business. An Honest

Business is always a Legitimate, Truthful, Fair and Straightforward in Conduct. Honestybehaves with lntegrity that stays away from fraud or deception. Honesty is Clear andTruthful.

Dishonesty is to Mislead. MERS is designed to defraud, deceive, betray, forge, lie,embezzle, steal. MERS has Created a way to cause people to be unaware of theirdeceitful inclinations. MERS are People that all have the same Profile. There is Vane,Steal Material Wealth. lt is Mixed and tied to and with Emotional lnstability andShrewdness. MERS is a Dishonest Organization that is very Secretive in Nature andwith Anti Social Attitudes.

The entire operation of MERS are a combined group of Persons that are Liars that canLie. There is an unwillingness from these kind of people to communicate in an Honestway. lt is always covered by a thin layer of distraction. The Dishonesty of MERS WearsMany Ditferent Masks. The People that are involved with MERS are lacking in Qualitiesthat are Good. MERS is a Culture of Corruption that Craves for Luxury and Power. Itus an obsession of Risk. Their Self Indulgence is excessive materialism and Ambition.This Ambition to Acquire Wealth Leaves a Path of Destruction.

The Dishonesty within MERS includes Manipulation and Direct Deception against theAmerican Public with Broken Promises. There is Forgery Theft, Embezzlement, inGovernment and in Business Banking. lnnocent Homeowners are Stalked by PredatoryLenders who buy Notes for Pennies on the Dollar. The Unsuspecting Homeowner getsa Foreclosure Notice in the Mail. To no Avail they stare at what they are led to believe isthere own Signature. When in fact it is a Fake Signature or Group of Signatures andmade up Paper work. The Paper work that is Created by MERS is an lllusion.

MERS has Routinely filed actions against Defaulting Mortgage Holders andRepresenting themselves as the Owners of the Defaulted Mortgages but in fact it wasnothing more than a fabricated lie. Once the Courts discovered that MERS was only aFront Organization they DID NOT HOLD any DEED nor could show who or whatAgency that might Hold the Note have been Routinely Denied in their attempts to ForceForeclosure. Under Court Order, MERS could not Produce the ldentity of the ActualHolder of the Notes or Notes. The so called MERS Officers are actually just Employeesof other Entities who are Servicing the Loans for the Actual Lenders.The Fact is is that MERS HAS NO EMPLOYEES at all. MERS is now widelyacknowledged by the Courts that MERS Does Not Have the Legal Right to Foreclose orCollect a Debt that they Do Not Own that is Held by Someone else.

The Collapse of the Housing Bubble all started with Country Wide Mortgage. The CEO

Angelo Mozilla at age 10 Started working in his Father's Butcher Shop, Located in theBronx. Angelo Mozilla Graduated from Fordham in 1960, ln 1960 Angelo Mozilla met

David Loeb. ln 1968 Angelo Mozilla and David Loeb Created a New MortgageCompany and named it Countrywide. Both of these two believed that the Companyshouid Specialize in the Effort to Lower the Barrier for Minorities and Others who hadbeen Denied or Excluded from Homeownership. By 1996, Countrywide Created a newSubsidiary for SUBPRIME LOANS.

Countrywide Marketed a Standard Procedure that was to openly Solicit to Persons thateither had NO CREDIT or COULD NOT GET CREDII and by the use of FALSECREDIT REPORTS that was Drawn up by their Own Offices would arrange Mortgagesthat were worthless to Investors. The new Home Owners could barely Pay theMinimum lnterest Only Payments and when the Mortgage Payments were Increasedand Could Not be Paid, Default and Repossessions took Place.

Countrywide would then take these Mortgages and Sold them to Lower Tier Bankswhich in turn put these bad Mortgages into Packages and Sold them to the LargeAmerican Banks. These "Bundled Mortgages" were very Quickly Sold by these LargeBanks to many Foreign lnvestors. Countrywide had Created Subprime Loans or SubStandard Bad Loans. By 2003, Countrywide was expected to write $400 BILLION inHome Loans and Earn $1.9 BILLION. CEO Angelo Mozilla received $33 MILLION inCompensation. Countrywide became the Biggest Supplier of Mortgages. The Banksused this to Create Lucrative Mortgage backed Securities and Collateralized DebtObligations. The Growth of Countrywide was Amazing. Countrywide achieved aMarket Share of 4A"/". This was the Highest ever.

However, by August of 2007 the American Bankers cut off all Short Term Funding toCountrywide. the reason is that it was obvious that Countrywide had CreatedMisleading Credit lnformation, False Appraisals, and then Realized that all of theseMortgagei were all Bad Loans. Within a Few Short Months Countrywide was Facedwith Lomplete Bankruptcy or Sell Out to the Best Bidder. In January of 2008, Bank ofAmerica Bought Countrywide for a Fraction of what Countrywide was worth. Therewere more thin One Hundred Civil Law Suits and now Gountrywide was under Criminallnvestigation. On JUne 4th, 2OO7 the S.E.C. Charged in a Civil Suit with SecuritiesFraud Lnd lnsider Trading, Malfeasance and Greed. Countrywide had Created BadCredit Risks that were used to Create and Sell "Crap" Mortgages on American Homesthat were totally Worthless. By Grouping all of this Together and Selling them Abroad,all of the Banks made Huge Profits. When all of this came to a Screeching Halt thereWeTe TWO MAJOR GROUPS HOLDING THE FINANCIAL BAG OF BAD LOANS.

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The First Group was the lnvestors. The Second Group were not those with WeakCredit, but those that had Excellent Credit and who were able. and willinSto Pay offtheir Mortgages. The Bad thing is, NO ONE KNOWS WHO OWNS THE TITLE to anyHome in Order to Foreclose. When a Legitimate Mortgage Holder Finally does Pay offHis or Her Mortgage, or Tries to Sell the House, a Clear Title to said House or PropertyCANNOT EVER BE FOUND. The lnnocent Mortgage Payer CAN NEVER EVER OWNOR SELL HIS OR HER HOUSE. This is a Monstrous Economic Time Bomb that is rightready to Explode.

The Disaster is that these Criminals have Created what is beyond your WorstNightmare. lt is the Destruction of the United States. The People that did this belong inJail and should be Stripped of all Monies and Assets and Have NOTHING of which toLive on or Survive on. What these Monsters have done is to not just Destroy a Personor Persons but they have and are Destroying an entire Country as We know it. This isUnforgivable and it must be Taken on with Outrage against the Banks lnvolved and thePredator Lending Agencies, and Collection Mob Tactics.

The Crooked Lawyers that Represent such Evil are a Disgrace unto themselves. Theremust be an Elimination any Government Agency and any Judge or Person that Justifythis kind of Evil Madness. This is the worst kind of Crime against the American Peopleand it should not be Tolerated at all. This kind of Organized CriminalActivity has and isExisting in Plain Sight. lt must be Stopped Now.

The Basic Structure of MERS is that they were lncorporated in the State of Delaware,and total Number of Shares of Common Stock is 1,000 Shares. MERS is wholly Ownedby MERSGorp, lnc. and the Place of Business is located at 1595 Spring Hill Road, Suite310, Vienna, Virginia 22182. MERS National Data Center is located in Plano, Texas.MERS Serves as a "Nominee" of Mortgages and Deeds of Trust that are Recorded in all50 States. There are over 65 MILLION Loans as of Sept 1 , 2O1O that Registered in theMERS System.

The Operation of MERS: DOES NOT Take Applications, Underwrite or NegotiateMortgage Loans or make or Originate Mortgage Loans to any Consumers. MERS Doesnot extend Credit, has No Role on the Origination or Original funding of any Mortgages,Deeds of Trust, for which it Serves as "Nominee". MERS Does Not Sell MortgageLoans nor are they an lnvestor who Acquires Mortgage Loans on a Secondary Market.

MERS Does Not Receive or Process any Mortgage Applications at all. All that MERSDoes is to HOLD MORTGAGE LIENS in a NOMINEE CAPACITY and through itsElectronic Registry Tracks the Changes in the OWNERSHIP of the Mortgage Loansand Servicing Rights RElated thereto. MERS lS NOT A VEHICLE for Creating orTransferring Beneficial Interests in Mortgage Loans. The MERS Accounting of

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Mortgage lndebtedness is that MERS is not at Risk. MERS is not entitled to receiveany Payments associated with any of the Mortgages. MERS is NOT Entitled to lnterestRevenue. However, MERS does Hold the Mortgage Lien as Nominee for the Owner ofthe Promissory Note. As a Nominee for Lenders MERS acquires LegalTitle to the Deedof Trust or Mortgage that Secures the Loan and simply Holds Legal title. ln EffectMERS lmmobilizes the Mortgage Lien while Transfers of the Promissory Notes andServicing Rights continue to occur.

ln other words the Mortgage Lien becomes Stagnant by MERS continuing to hold theMortgage Lien when the Note is Sold from one lnvestor to Another via an Endorsementand Delivery of the Note or the Transfer of Servicing Rights from one MERS Member toAnother Member and a Purchase is made and a Sale Agreement which is a Non-Recordable Contract Right. The Legal Tltle to the Mortgage or Deed of Trust remains inMERS after such Transfers and is Tracked by MERS in its Electronic Registry.

MERS is NEVER the Holder nor a Custodian and does not even maintain Copies.When a Promissory Note is Placed in the Hands of a Servicer Employee who is also aMERS Officer, MERS asserts that this Transfer of Custody into the Hands of thisNominal Officer without any Transfer of Ownership or Beneficial lnterest renders MERSthe Holder. MERS has no Actual Authority to Control the Foreclosure or the LegalActions undertaken in its Name. MERS will never willingly reveal the ldentity of theOwner, nor will it reveal the identity of any Prior Holders of the Promissory NoteUNLESS ORDERED TO DO SO BY THE COURT.

As before mentioned, MERS Does Not Service, Own, Collect, Hold Escrows for Taxesand Insurance, and Does Not Provide Servicing Functions on Mortgage Loans,Whatsoever.

This part is Very lmportant: MERS' Members Employ and Pay Attorneys BringingForeclosure Actions in MERS' Name. ln other words, These Attorneys areRepresenting Something that is NOT OWNED by MERS.

Getting Access to MERS Control over Records or Documents. MERS has NeverMaintained Archival Copies of any Mortgage Application for which it Serves as"Nominee". ln its Regular course of Business MERS as a Corporation DOES NOTMaintain any Physical Possession or Custody of Promissory Notes, Deeds of Trust orother Mortgage Security lnstruments on behalf of its Principals.

MERS as a Corporation has NO ARCHIVE REPOSITORY of the Promissory NotesSecured by Deeds of Trust or other Mortgage Security lnstruments for which itServes as Nominee. There are NO Copies of any kind that is attached to MERS

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Petitions or Complaints so Not to come from MERS, but rather the Registrationlnformation for such Mortgages are Entered by the "MEMBER" MORTGAGELENDERS, lnvestors, Servicers Originating, Purchasing, and or Selling such Mortgagesor Mortgage Servicing Rights.

This should Give You a Good Start for those that are faced with a Foreclosure. MERShas and is Asserting FALSE Claim of Ownership when they are Not. MERSOwnership of any Mortgage which can only be Determined by the Chain of Custody ofthe Promissory Note. When the Promissory Note is Lost,-.Stolen or Missing, MERSis NOT the HOLDER.

On the website www.MERSINC.ORG MERS States in their FAQ Section.Hiding in Plain Sight. This is where they Trick You at Closing.Very Few People notice this:

How Does MERS become a Mortgagee or Beneficiary? There are TWO Ways.Pay Attention: Here it is:

At CLOSING the BORROWER and LENDER Both Agree to StandardLansuase in the SECURITY INSTRUMENT MAKING MERS the ORIGINALMORTGAGEE or BENEFIGIARY with the RIGHT to ACT on BEHALF of theLENDER and its SUCCESSORS and ASSIGNS. (To Whomever they See Fit)This is KEY

lf MERS is NOT NAMED as the ORIGINAL MORTGAGEE ....The LENDER CAN RECORD an ASSIGNMENT of the MORTGAGE to MERS"ru'ln other Words (after You are Gone and out the Door and Behind Your Back) even if youDO NOTAGREE the LENDER can Assign the MORTGAGE to MERS .

What Does this Mean to You the Borrower? lt will Not Matter Whether You Agree orDo Not Agree. When Borrowers Sign a Mortgage they GRANT and CONVEY aLEGAL TITLE of the MORTGAGE to MERS and Giving the Company the RIGHT toACT on BEHALF of CURRENT and Subsequent Owners of the Loan.

ln other Words You End UpAgreeing to this without Realizing What Happened.It was Hiding in Plain Sight. Not Realizing they just Signed Away Their House butGet Stuck with Making the Payments.

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The Latest Scam that Predator Gollection Agencies and Collection Attorneys are nowusing is what is called a Form Tltled: "Workable Solutions Financial Form"

The Example below is Taken from CitiMortgage, lnc. The Form is also being used thisthe latest Tactic now being used. This has been transcribed from that form.

Acknowledg ment and Authorization

I certify that the financial information stated above is true, and is an accurate account ofmy financial condition. I grant CitiMortgage, Inc. the authority to confirm theinformation I have disclosed in this financial statement and to verify that it is accurate.

I consent for CitiMortgage, lnc., the lnvestor, and Mortgage lnsure lo engage indiscussions and negotiations with me or my designated representative regardingforeclosure programs. I acknowledge that CitiMortgage, lnc. is under no obligationtoagrees to an alternative to foreclosure, the decision will be based on my financialinformation, credit report, and payment history and ability to meet lnvestor / lnsurerLoss Mitigation Requirements.

I agree that discussions and negotiations of a possible Workable Solution does notconstitute a waiver of a defense to GitiMortgage lnc.'s right to commence orcontinue any foreclosure or other collection action.

Borrower Printed Name Borrower Signature Date

Co-Borrower Printed Name Go-Borrower Signature Date

ln Forensic Document Examination,You have to LOOK at Everything on a Document.This includes Linguistics, Meaning Verbal Statements, Form Construction of aDocument, Digital Paste Ups, lnk Comparisons, Handwriting Comparisons, to aMultitude of to expect anything. Now lets us break the overall statement down and howit mis-leads the average person that is in Bold "ltalic" Underline.

The words and statements of Grant, Consent, Authority, Discussions and Negotiations,my designated representative, foreclosure programs, no obligation, agrees, agree,Workable Solution does not constitute a waiver of defense, right to commence or

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continue any foreclosure or other collection action. When You first look at the Form youthink Yes I will Sign it, because You are so over whelmed with Paper Work and very littletime to get it all together and Get it to them on time. About 10 Days.

As a result You end Up Signing a Form in that You Sign away all Your Rights to DefendYourself or to Hold them Liable for Damages. Before You Sign anything like this Besure to listen to a Good Competent Attorney that You Trust. This is only MY OPinion. Imyself would NOT Sign such a Form. Reason, it is a Scam!

This Article is an on Going Writing Project. lt is only Intended to give You some insightinto How Corrupt this entire Mortgage lndustry is and How it has evolved. The sad thingis that No Politicians are even Talking about it is Scary. The article is not intended to gogive Legal Advice. Any Legal Advice should be consulted with an Attorney. This iswritten from the viewpoint of Forensic Document Examination.

That being said, as a person who has this Article in their position, will be given updatesto add at No Cost.

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