Date: To:

October 29, 2011 Brenda Zang, Default Research Specialist CITI MORTGAGE INC 1000 Technology Drive OFallon, MO 63368

From: Her Majesty 1212 10th Ave SW Seattle, WA 98121

Re:

Informal Letter of October 24, 2011/ resolved account 0656172441

_____________________________________________________________________________________ Notice to agent is notice to principle; Notice to principle is notice to agent Law considers function over form ; Regardless of how artfully plead CITIMOTGAGE INC, including its CEO by respondeat superior, agents and assignees, herein after CMI, please take notice: CMIs belief of an unlawful debt elimination scam and of notices having absolutely no legal effect and a unilateral attempt to void a lawful and fully enforceable financial obligation owed to CMI are categorically frivolous, whimsical, capricious and general statements to all points of my previous notices. These are not point by point, or unambiguous; Fraud lies hid in general expressions (Fraus latet in generalibus). If these are bonafide beliefs on the part of CMI, then they should have been brought up point-by-point, unambiguously, and relevantly to my first two series of notices. I have accepted the silence to my notices, on the part of CMI throughout this process, as fraud, to wit; Silence can only be equated with fraud when there is a legal and moral duty to speak or when an inquiry left unanswered would be intentionally misleading. The maxim he who is silent appears to consent (Qui tacet consentire videtur) now prevails and the doctrine of estoppel now applies. CMI and Her Majesty now have a new agreement, as outlined in the Notice of Default / Nihil Dicit / that is fully enforceable as a result of full due process of Notice, Second Notice, Intent to Default and Default / Nihil Dicit being executed through notarial presentment. It is a fraud to conceal a fraud (Fraus est celare fraudem). It is my understanding that the above-referenced informal letter is an attempt to further conceal the original fraud in the mortgage and to attempt to conceal the fraud of CMIs silence throughout my series of notices, referenced in the above-referenced informal letter, now specifically by Brenda Zang on behalf of CMI: He who does not repel a wrong when he can, induces it (Qui non propulsat injuriam quando potest, infert.) My claims, and agreement as outlined in the Notice of Default / Nihil Dicit and previous notices are with the trustee and fiduciary, Naomi Feistel. Please advise how your respectful refusal has any standing or credibility and provide proof of claim that you are not a disinterested third party interloper, tortiously interfering with a contract, under color of law. The purpose of this letter is to assist all parties in resolving all issues. It is my understanding that honor includes a reply that is pointby-point, relevant and unambiguous and is consistent with the doctrine of onus probandi. To date, all of the presentments, notices and other communications from Her Majesty have been dishonored by CMI. I do not abandon any of my previous claims as expressed in my previous notices nor do I waive any rights or remedies by communicating with you. You have three (3) days from the date that this notice is received to stay in honor, and rebut point-by-point, relevantly and unambiguously in writing, signed with an original signature under penalty of perjury and full liability to the address provided or this stands as an additional binding agreement between Her Majesty and CMI. Oral communication is not acceptable.

Sincerely, ______________________________________________________________ Her Majesty, Paramount security interest holder / HER MAJESTY