This document provides information about an organization called Brothers For Justice that aims to help homeowners discharge their mortgage and credit card debt legally. It discusses how the group provides education and documentation to allow homeowners to file necessary forms and documents. The document claims the process is legal and constitutional, and simply demands that banks and the government uphold what is promised in the constitution around truth, integrity, justice, disclosure and freedom. It asserts that their process uses administrative law and qualified written requests to seek full disclosure from lenders and hold them accountable if they are found to have engaged in predatory lending practices or fraud.

1. Brothers For Justice Do All You Can Congratulations on your first step toward owning your home.

2. Ask yourself, “Is it my money”? Yes, it is your money and you need it now. Join us as we show you how to take back what is rightfully yours. Remember, crooks fight to hold on to something that isn’t theirs. How much more should you fight to have what is truly yours.

3. BROTHERS FOR JUSTICEDISCLAIMER The information in this presentation is meant as information and educational material only. It is not meant to be construed as legal or tax advice. As with any legal or tax issue, it is always advisable to consult a competent Attorney or tax professional for advice.

5. In This Presentation We are not subversive We do not suggest any revolt or attack against our government We simply demand that the banks and government do what our constitution promises and provides for us TRUTH, INTEGRITY, JUSTICE, DISCLOSURE & FREEDOM.

6. This Is A Pro Se Action Pro Se Action means this is a do it yourself program. We provide the required documentation (WHICH IS THE CANNON) You make it happen

7. The “Pro Se” Process A comprehensive forensic audit, if necessary Motions to stop proceedings Various road blocks UCC Law Statutes & Procedures Qualified written request & TILA Request

8. Does It Work We have had incredible success with dozens of homeowners nationwide They are successfully defending their rights & having mortgages dismissed & deeds re-conveyed to them We give you confidence to take action We can not make any guarantees, as this would constitute illegal action

9. Is This Program For Me? Absolutely YES! Whether you are in foreclosure or just behind on your payments it doesn’t matter Even if your payments are current, the same rule applies Fraud is fraud and Brothers For Justice are here to remind them.

10. Is This Legal It’s legal It’s constitutional It’s ethical It’s moral It’s your right IS YOUR BANK OPERATING LEGALLY?

11. What This Is Not Not a Short Sale Not a Loan Modification Not a Bankruptcy Not a Foreclosure Not a Compromise Not a Reverse Mortgage Not a Loss Mediation Not a Settlement

12. Non-Solutions To Fraud Short Sale Bankruptcy Compromise Loss Mediation Loan Modification Foreclosure Settlement The Only Solution To Fraud Is Jail…

13. What Is A 1099C? A 1099C is unpaid balance towards a settlement that is equal to or exceeds $600.00 The IRS requires lenders or creditors to report the amount of forgiven debt on a 1099C form You will receive this form for the year in which the settlement is completed

14. Brothers For Justice Difference We do not create a 1099c Our process is the same as if you paid your mortgage in full We give notice to the banks about everything we do Disclosure, Disclosure, Disclosure…

15. The Origin Of Money Comes From Guess What?

16. Article 1- Section 8 The Congress shall have the power to coin money, regulate the value thereof and fix the standards of weights and measures

17. Article 1- Section 10 No state shall coin money; emit bills of credit; make anything but gold and silver coins a tender of payment of debt. Do you even care about what your constitution says?

18. HJR 192 - House Joint Resolution …Of 1933 The bill that revoked gold and silver in order to make the federal reserve system legal

19. HJR 192 - House Joint Resolution This bill also states that the banks may not lend their own money nor the money of its depositors Whose money are they lending? Is what they are doing legal? DO YOU EVEN CARE ?

20. Are You A Fighter? BROTHERS FOR JUSTICE Has a program designed for those that will fight for what is right and for those that still have confidence in justice. Sometimes You Have To Make Things Happen.

21. Did The Bank Lend You Any Real Money? In 1933 the United States is bankrupt. On June 5, 1933 under the presidency of Franklin Delano Roosevelt, it caught up with us and for the first time in history the United States was facing Bankruptcy. WE NEVER RECOVERED FROM IT…

22. Government Created Corporations Under Threat Of Bankruptcy THIS WAS TO SECURE THE NATIONAL DEBT. We the people are those corporations. They found a way to make free man a slave through making him secret fictional businesses. WOW!

23. The New You Was Created By A fake identity established by the Government A fictitious corporation posing as you It allows you to engage in Commerce, enter the fictional world of banking and the judicial system. Your social security number becomes a bond.

24. Brothers For Justice The government now uses you and your ability to create income throughout your life as security and thereby, by the creation of you as a corporation, has created government borrowing power backed by your name. You have now become an instrument of CREDIT: Every time you put your signature on a line you are actually creating money. Money that you are entitled to be paid on.

25. Social Security Card On the back of the social security card is the special account number we mentioned. This is how creditors use your treasury account that you did not know you had.

26. The Difference Between You The Corporation And The Sovereign Ever notice that anytime your name is used on a legal document from the bank or government it is always presented in all capital letters? JOHN ROBERT SMITH - Corporation name John-Robert: Smith - The real you The beginning of the deception

27. The Only Guarantee We Can Give Is The Law GUARANTEE#1 PUBLIC LAW: CHAP 48,48 STAT.112 The Federal LAW that guarantees the government’s responsibility to discharge all public debt…

28. How Does All This Relate To My Mortgage Or Credit Card Debt? THE NOTE - The note is a promissory note associated with a specified Mortgage loan. It is a written promise to repay a specified sum of money plus interest at a specified rate and length of time to fulfill the promise.

29. The Mortgage The word mortgage comes from the French language and is broken down into two parts Mort: means Death Gage: means Pledge Put those two words together and you have Death Pledge. That’s why you die trying to pay for your home.

30. The Mortgage The mortgage itself is a pledge of the title to real property as security for a loan. That sounds good if you really received a loan. Look at your mortgage papers and notice it states that you promise to repay a loan that you have received. Ask yourself, did they give me any money? If they did give you money, what financial risk was the bank in at the time of the loan?

31. Brothers For Justice Our Plan Is Based Solely On Administrative Law. Administrative law is good because you are trying to settle a dispute outside of the judicial system. You are also gathering written evidence just in case you need to go to the judicial side of the law. You are seeking full disclosure.

32. Knowledge Knowledge is power when applied correctly. There is plenty the banks do not want you to know. They create a distraction called the TV. Did you know the big bankers own your Dish Network, Direct TV, etc…?

33. RESPA - REAL ESTATE SETTLEMENT PROCEDURE ACT RESPAmakes it clear that all mortgage loans must conform to federal and state laws that were created to protect you. If your mortgage contains illegal wording or never should have been approved in the first place, the lender is guilty of predatory lending.

34. Brothers For Justice If you were defrauded… If you think you are entitled to some justice… When fraud is uncovered you don’t just say “oops” and act as though nothing ever happened.

35. Brothers For Justice The Real Estate Settlement Procedures Act, (known as "RESPA"), was an Act passed by the United States Congress in 1974. It is codified at Title 12, Chapter 27 of the United States Code, 12 U.S.C. § 2601-2617.

36. Equal Rights Under The Law According to RESPA, you, the customer has the lawful right to send their lender a qualified written request(QWR). None response or late response on their part carries the same waiver of rights that would apply to you if you did not respond or if you responded late. YOU ARE NOW IN THE DRIVER’S SEAT

37. None Response The common law doctrine of estoppels by acquiescence is applied when one party gives legal notice to second party of a fact or claim, and the second party fails to challenge or refute that claim within a reasonable time. The second party is said to have acquiesced to the claim, and is estopped from later challenging it, or making a counterclaim.

38. Brothers For Justice SILENCE IS ACQUIESCENCE Since you are in the driver’s seat… YOU NEED TO DRIVE!

39. Possession Is 90% Of The Law If the Banks can’t produce the original note with the ORIGINAL, UNALTERED, WET INK SIGNATURE, then they do not have any rights to your deed or note! NO NOTE… NO POWER…

40. Guarantee #2 UCC Article 3-Section 302 states that only the holder in due course can foreclose Do they have the actual note (not copy)? Does it have the original signature? Has it been altered in any way, which it is then no longer original. The Law Will Drive You To Victory…

41. Guarantee #3 UCC Article 3-306 states that there cannot be a holder in due course on a promissory note after they have deposited it as a security.

42. Guarantee #4 TILA 15 USC TITLE 12 states that The Bank Must Prove That They Are The Actual Creditor (The Owner Of The Money). Title 12 U.S.C.&1601,2605 THERE NEVER WAS A LOAN (only currency exchange) No risk to the bank assets... Deceitful and fraudulent contract...