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7/28/2019 WELLSAudit and Exam Commit
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June 8, 13
To: AUDIT AND EXAMINATION COMMITTEE
Howard V. Rick Richardson (Chair)John D. Baker IIEnrique Hernandez, Jr.Federico F. PeaSusan G. Swenson
RE: SEC VIOLATIONS; FRAUD; RISK and LEGAL Regulatory Compliance
reference:Audit and Examination Committee Charter (PDF)*
FROM: Marilyn E. Veincentotzs
LOAN ref: 1100174097
WARNING: A Public Relations Nightmare is about to occur due to:
WELLS FARGO NA, as Servicer, and in Conjunction With US BANK NA, ASTRUSTEE FOR STRUCTURED ASSET INVESTMENT LOAN TRUST MORTGAGEPASS-THROUGH CERTIFICATE SERIES, 2006-2
HAVE COMMITTED a fraud. This Trust according to the SEC DOES NOT EXIST; yet,all of the above Entities have CONSPIRED to EVICT ME FROM MY HOME OF 20YRS. And, in so doing have COMMITTED FRAUD UPON THE COURT and UPONany Investors who thought they may have invested in it, as well as USING THISERRONEOUS NON EXISTENT trust to STEAL MY HOME.
Not only has Wells Fargo NA played a MAJOR ROLE in perpetrating this fraud but,there is an employee who was USED WITH OR WITHOUT HER CONSENT to Aideand abet this CRIMINAL ACTIVITY. This Employee ALLOWED WELLS FARGO NATO USE HER NOTARY Seal to commit a FRAUD AND CRIME.
Her Name is Wendy Al-Hammadi. And she lives in South Carolina. I have spoken to her;her signature was Authenticated on my Substitution of Trustee as a FORGEDSIGNATURE by a Expert Document Examiner of 50 yrs experience; 20 yrs with thePolice Dept. and who has examined over 44,000 signatures; testified in over 700 courtcases and whose expertise is used routinely by courts in California.
The court system is not in the business of protecting homeowners against bankscommitting fraud and stealing their homes. Therefore we are not relying upon the courtsto conduct this outrage and fraud upon my home. We are taking it to the court of publicopinion, the entire world via the internet; press releases, flyers in the areas of Wells Fargo
https://www.wellsfargo.com/pdf/about/corporate/AE_committee_charter.pdfhttps://www.wellsfargo.com/pdf/about/corporate/AE_committee_charter.pdfhttps://www.wellsfargo.com/pdf/about/corporate/AE_committee_charter.pdfhttps://www.wellsfargo.com/pdf/about/corporate/AE_committee_charter.pdf7/28/2019 WELLSAudit and Exam Commit
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Neighborhoods where people who were targeted by Wells Fargo live, better known byWells Fargo as MUDD PEOPLE WHO WERE GIVEN GHETTO LOANS.
Conventional Efforts to ameliorate this obvious and blatant fraud have proved to be futiletherefore we are taking the course most available. Wendy Al-Hammadi and the other
Notary who ALLOWED HER NOTARY SEAL TO BE USED IN A FRAUD, lives inTexas and her name is Octavia Hegwood; they both are about to be more famous thanLINDA GREEN AS SEEN ON 60 MINUTES.
I know and understand what occurred with my loan from the time Leanne Miller wasassigned to work with me in a loan modification which escalated my payments by$1,000. Even that was a fraud back in 2009. But, here we are in 2013 and only because Iwas evicted am I discovering that:
1. The Trust STEALING MY HOME DOES NOT EXIST2. THE TWO DOCUMENTS recorded in the Norwalk recorders office ARE
FORGED AND THE DOCUMENTS ARE VOID.3. ALL ASSIGNMENTS, SUBSTITUTIONS PERFORMED BY US BANK ASTRUSTEE FOR A TRUST THAT DOES NOT EXIST ARE VOID.
As of this moment the campaign to bring all of the above to the publics attention hasbegun.
Press releases are being drawn up; flyers are being printed, T-shirts are being printed,phone trees are being notified, PENSION FUND managers are being notified, Potentialand current Investors are being contacted, potential and current homeowners using orconsidering using Wells Fargo NA or US Bank NA, are being Warned.
Frontline is being sent any and all information regarding the forgeries, the trust, etc. forconsideration as possible follow up for the Untouchables which aired in January of thisyear.
And, all of the politicians who enabled, empowered, backed and supported you are beingnotified of all of the actions which will be taken to expose their inactions which allowedfraud to reign unfettered by law, courts, judges, regulators due to the massive wealth ofbanks.
We, homeowners have learned much over the course of these past four years that the onlyresources we have are ourselves. We now know how you perpetrated the fraud and whereyou failed in covering your lies, and your crimes. We Know. But, you have families, andfriends and children who will be embarrassed that you even exist and that you everworked for a bank which took great pleasure in raking in wealth from the misery of themasses. Shame on you. And, as for allowing or creating the culture where youremployees felt it was okay to call people who look like me MUDD PEOPLE I
understand how it happened after looking at all of your pictures; none of you, not one of
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you is a MUDD Person. So, it is easy to allow that to happen with oversight intentionallyon accident.
The Greatest Shame is that because the SYSTEM has failed so many millions of hardworking families, people have LOST FAITH and TRUST in not only GOVERNMENT
but in BANKS. There was a time when I was able to go to my banker, pay my mortgageand know and trust the person who held my note. Now, that is no longer possible due tothe greed to exponentially increase your wealth on the vapors of derivatives.
Having read your CHARTER I am amazed at how such crimes as those committedagainst my home and me are tolerated by your stockholders, and your consciences.
SONYA STARRY, of ASC or Wells Fargo NA Executive offices, has been theHANDLER FOR THE INVESTIGATION. Do you know her? Seems no one knows whatthe right or left hand is doing. By the way that was a clever move, with the OCC neveradmitting never denying and avoiding investigations!!
I will forward this to Sonya Starry as well so that perhaps you can all get to know eachother and share notes.
Sincerely,
Marilyn Veincentotzs
7/28/2019 WELLSAudit and Exam Commit
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EXCERPT:
WELLS FARGO & COMPANY AUDIT ANDEXAMINATION COMMITTEE CHARTER
The purposes of the Committee are to assist the Board of Directors
in fulfilling its responsibilities to oversee Company policies and
management activities related to accounting and financial
reporting, internal controls, auditing, operational risk and legal and
regulatory compliance; the integrity of the Companys financial
statements and the adequacy and reliability of disclosures to
stockholders; and the qualifications and independence of the
outside auditors and the performance of internal and outside
auditors; to prepare the Committee report included in the
Company's annual proxy statement in accordance with SEC
rules; to perform the audit committee functions specified by 12
C.F.R. Part 363 for depository institution subsidiaries of the
Company; to perform the functions of a fiduciary audit
committee required by 12 C.F.R. 9.9 for national banksubsidiaries of the Company that have fiduciary powers; and to
oversee reputation risk related to the Committees
responsibilities described in this Charter.
In fulfilling its oversight role, the Committee provides a vehicle for
communication between the directors and the outside auditors, the
internal auditors, financial management and the Operational Risk
Group, and establishes a forum for an open exchange of views and
information. The Committee will meet periodically with
management, the internal auditors, and the outside auditors in
separate executive sessions. The outside auditors shall report
directly to the Committee.
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1. Review disclosures to the Committee by the CEO and CFOduring their certification of the Company's Forms 10-K and
10-Q regarding any significant deficiencies or material
weaknesses in the design or operation of internal controls
over financial reporting and any fraud involving anyemployees who have a significant role in the Company's
internal controls over financial reporting. Discuss any issues
deemed significant by the outside auditors related to the
Companys financial results prior to the filing of the
Companys Forms 10-K and 10-Q. Resolve any
disagreements between management and the outside auditors
regarding financial reporting.
2. Appropriate Response. Determine that appropriate actionshave been taken to resolve matters reported to the Committee
that in the Committees judgment could materially jeopardize
the Companys financial condition, results of operations and
accuracy of the Company's financial statements, such as
unacceptable control conditions, deviations from policy, high
uninsured risks, non-compliance with federal and state laws,
and legal actions.
3. . Obtain from the outside auditors assurance that the auditwas conducted in a manner consistent with Section 10A of
the Securities Exchange Act of 1934 (15 U.S.C. 78j-1). To
the extent deemed necessary or appropriate by the
Committee, discuss with the outside auditors any
communications between the audit team and the firm's
national office respecting auditing or accounting issues
presented by the engagement as well as matters of auditquality and consistency.
4.Compliance and Operational Risk Management Oversight.Review at least quarterly with the head of the Operational
Risk Group relevant enterprise-wide compliance and
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operational risk management programs, the general condition
of compliance and operational risk management in the
Company, common issues across business lines, significant
pending laws and regulations, significant violations of
statutes and regulations (including those relating to safetyand soundness) with corrective actions and schedules for
resolution, the reputation risks of significant compliance
exposures and other high- risk concerns. Review as necessary
with responsible line management the schedule for resolving
any compliance or operational risk issues not satisfactorily
resolved by management. The head of the Operational Risk
Group shall notify the Committee chair of significant
regulatory issues that arise between Committee meetings.Review annually, at the level of both business line and
enterprise, the compliance and operational
5.Company Policies. Approve the Company's hiring policiesregarding employees and former employees of the outside
auditors, and review significant audit and compliance
policies and significant updates at least annually. Discuss
significant changes in and significant exceptions to the
Companys policies related to:
Processes for risk assessment and
management, including business continuity planning;
Internal controls;
Compliance;
Operational risk;
Accounting, auditing and financial
reporting; and
Ethical behavior of employees.
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6.Committee Report. Include in the Companys annual proxystatement the Committee report required by the rules of the
Securities and Exchange Commission.
7.Bank Audit Committee. Perform the audit committeefunctions specified by 12 C.F.R. Part 363 for depository
institution subsidiaries of the Company and act as a fiduciary
audit committee in accordance with 12 C.F.R. 9.9 on behalf
of the national bank subsidiaries of the Company that have
fiduciary powers.