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Due to the discovery of various elements of fraud, fraudulent inducement, fraudulent

misrepresentation, entrapment and non disclosure resulting in the deprivation of my
property by HSBC MORTG SERVICES, audit and close perusal of the purported Loan,
Trust of Deed, and Security Agreement, I John Johnson, request that you answer the
following questions under penalty of perjury. Failure to answer the following will leave
me no choice but to report your company to THE DEPARTMENT OF JUSTICE FOR

Was the alleged Borrower ever disclosed this information?

1. Disclosed that the Federal Reserve Policies and Procedures and the Generally Accepted
Accounting Principles (GAAP) requirements imposed upon all Federally-insured (FDIC) banks in
Title 12 of the United States Code, section 1831n (a), prohibit them from lending their own money
from their own assets, or from other depositors? Did the bank tell you where the money for the
loan was coming from? Yes or No

2. Disclosed that the contract you signed (your promissory note) was going to be converted into
a 'negotiable instrument' by the bank and become an asset on the bank's accounting books? Did
the bank tell you that your signature on that note made it 'money', according to the Uniform
Commercial Code (UCC), sections 1-201(24) and 3-104? Yes or No

3. Disclosed that your promissory note (money) would be taken, recorded as an asset of the
bank, and be sold by the bank for cash - without 'valuable consideration' given to obtain your
note? Did the bank give you a deposit slip as a receipt for the money you gave them, just as the
bank would normally provide when you make a deposit to the bank? Yes or No

4. Disclosed that the bank would create an account at the bank that would contain this money
that you gave them? Yes or No

5. Disclosed that a check from this account would be issued with your signature, and that this
account would be the source of the funds behind the check that was given to you as a "loan"?
Yes or No

6. Please respond no later than 10 days from the issuance of this letter.

Very Truly yours,

I,____________________________ an authorized agent for the Lender, being of clear,

conscious and competent mind, understand and agree that I am signing my name under
the penalty of perjury and under oath or asseveration administered by the Notary Public
named below, and I am accepting full liability, both personal and for the Lender, both
civil and criminal, and that I accept all penalties of perjury if and when it is found that my
responses in this two-page NOTICE of FRAUD is false in any way.

Signature of Authorized Lender Agent Date

Printed Full Name of above signature and title

) ss.

On the ____ day of ____________, 2009, before me,

________________________________ (personally known to me, or) proved to me on
the basis of satisfactory evidence to be the person whose name is subscribed to the
within instrument and acknowledged to me that he or she executed the same in his or
her authorized capacity and that by his or her signature on the instrument, the person or
the entity upon behalf of which the person acted, signed under oath or asseveration,
and accepts the truth thereof.

My commission expires

Notary Public Signature