Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 1 of 20

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5 U N ITED STATES D IST RICT C O U R T 'c=c=T-Re

p
6 DISTRICT O F N EV A D A
7 -00 0-
8 UNITED STATES OF AMERICA, ) CRIMINAL INDICTMENT
9/ pl
ainsff, )
) 2:1o-cR--,
..$-f-4
10lv. )
) VIOLATIONS:
) 18 U.S.C.j 1341 -MlifFraud
11 KAREN TAPPERT, ) 18 U.S.C.$ 1343 -W lre Fraud
)
12 Defendant. )
13 THE G RAND JURY CHARGES THAT:
14 AtaIltim es relevantto this lndictm ent:
15 Introduction
!6 1. From in oraboutlate 2007,to in oraboutNovem ber2009,KAREN TAPPERT
17 ofïered,byword ofm outh,a m ortgage rescue service,butthewayshe ''rescued''m odgages
18 was by recording fraudulentdeedsthatpurported to convey the propedy from the true title
19 holderto an entity thatshe controlled. This conductform s the basis forCounts One to

20 C Three,and involves the following properties:

21 Counts 1-2: 3012 Am ariAvenue,Las Vegas,NV 89141
22 Count3: 1601 Im perialCup Dr.,Las Vegas,NV 89117
23 2. TAPPERT also engaged in a i
'Squatter's schem e''w hereby,she squatted on
24 abandoned properties in which she had no ownership right. From in oraround Decem ber
25 2009,toatleastFebruary2010,TAPPERTfound propediesthathad already beenforeclosed
26 upon,and filed fraudulentdeeds thatpurported to convey the propedy from the true title

l
 Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 2 of 20

1 holdertoan entitythatshe controlled.TAPPERTgained use Y the propertyand,ifshe could,

2 eitherrented outthe propedy - orsold it. This conductform s the basis forCounts Fourto

3 Six,and involves the foilowing propedies:

4 Count4: 32 Via Vasari#28106,Henderson,NV 89011
5 Count5: 612 Diam ond St.,Farm ington,NM 87401
6 Count6: 675 G regow Circle,Corona,CA 92881
7 3. Am ong the entities thatTABPERT controlled and used to furtherherscheme
8 to defraud include:AMARIGROUP, REIFICATION GROUP TIRUST,SARAO ND INVESTMENTS,
9 DESCHUTESRIVERTITLEASSOCI
ATES,NORTHWESTPROPERTIESASSOCI
ATSSand NORTHW EST

101PROPERTIESAssocl
vEs,ASSET-BACKEDCERTI
FICAIES,SERIES20O6-FF1.
11 4. TAPPERT also controlled ''FEDERAL NATIONAL MORTGAGE ASSOCIATION, an
12l entity thatconducted business at2840 EastLake M ead Dr.#173,lienderson,NV 89015,
13 and which is not related to the identically-named governm ent-sponsored enterprise

14 chadered by Congress.
15 CO UNTS ONE AND 7-W 0
-

16 M ailFraud
l7 5. The allegations setfodh in the Introduction are re-alleged and incorporated

18 by reference.

19J 6. Onthedatei
denti
fi
edbelow,intheStateanclFederalDi
stri
ctofNevadaand
20 elsew here,
21 KAREN TAPPERT,
22 defendantdid devise,intend to devise and willfully participate in,a schem e and adifice to

23 defraud and forobtaining propedy and m oney bym eansoffalse and fraudulentpretenses,

24 representations1and prom ises.

25 . . .

26 d . . .
(
i :
)

l7 J
 Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 3 of 20

1 M annerand M eans ofthe FraudulentM ortqaqe Rescue Schem e

2 7. Aspartofthe 'M odgage Rescue''schem eto defraud,defendantdid allofthe

3 following:
4 A. Counf.
s 1 and 2: 3012 Am ariAvenue.Las Veqas.NV 89141
5' 8. Priorto 2007,E.G .purchased 3012 Am ariAvenue,butE.G .fellbehind on
6 modgage payments and received notice thatthe modgage bolderintended to foreclose.
7 E,G ,heard thatTAPPERT rescued m ortgages,so E.G .contacted TAPPERT.
8 9. ln late 2007or2008,E.G .metTAPPERT.TAPPERTexplained to E.G .thatshe
9 would mailIettersto the entities relating to E.G .'Smortgage.E.G .paid TAPPERT $750.00,
10 and atTAPPERT'S request,allowed TAPPERT to live in 3012 Am ariAvenue in lieu offurther
11I paym ent. E.G .laterlearned thatTAPPERT had rented outthis propedy.
12 10. From in oraboutNovem ber2009to in oraboutApril2010,thetenantm ailed

13 rentchecks of$1,000.00 permonth to AMARIGROUP.

14 11. In oraboutJanuary2009,3012 Am ariAvenue wasforeclosed upon and ti
tle
15 wasconveyed to Deutsche Bank NationalTrustCom pany,astrustee underthe Pooling and
16 Sew icing Agreem ent relating to IM PAC Secured Assets Corp.,M ortgage Pass-Through

l7 Cedi
ficates,Series 2006-2.
18 12. On oraboutApril27,2009,TAPPERT fraudtllently obtained the property by
!9 causing a fraudulent deed to be filed with the Clark County Recorder's Office. This
20 fraudulentdeed purported to convey '
dDeutsche Bank Natiol
nalTrustCom pany'''s interestin
2l the propedy to REIFICATIONG ROUPTRUET,an entitythatTAPPERT controlled,inexchangefor

22)'Zero($0.
00).
'TAPPERTactedasnotarypubli
ctonotari
zetI
3esignatureof'ArthurL.Davis,'
23 the purpoded representative ofDeutsche Bank NationalTrustCo, In reality,however,

24l DeutscheBankNationalTrustCo.didnotconveythepropertytoREIFICATIONGROUPTRUST,
25 TAPPERT orany entity controlled by her,norauthorized anyone to do so.

26

1
 Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 4 of 20

1 13. TAPPERT caused herfraudulentdeed to be filed on oraboutApril27,2009,

2 butapparently,itwas notrecorded in the Clark County realpropedy records. On orabout
3 June 8,2009,TAPPERT caused the fraudulentdeed to be re-filed with the Clark County

4 Recorder's Office.
5 B. Count3:1601 jm perialCuD Dr-.Las Veqas,NV E;
9117
6 14. Priorto O ctober2009,1601 fm perialCup was owned by K.G.,butK.G .fell
7 behind on m oftgage payments and received notice thatthe m odgage holderintended to
8 foreclose.K.G.learned thatTAPPERTwOUICIrescue hism odgage inexchangefor$1,800.00.
9 K.G .m etw ith a representative ofthe AMARIGROUP nam ed ''Howard.'' K.G .refused to pay
10 this fee,butsigned a quitclaim deed that''Howard''produced,conveying w hatrights K.G .
.
1 had in thi
11I s propedy to the AMARIG ROUP. '
12 15. Later,1601 Im perialCup was foreclosed upon,and in oraboutNovem ber
13 2009,titlewasconveyedtothetrue FederalNationalModgageAssociation,more comm only

14 known as 'Fannie M ae.''

15 16. O n or about Novem ber 21,2009,TAPPERT caused a fraudulentUCC-I

16ffinancingstatementtobefi
ledfrom Nevadawi ththeWashingtonStateDepadmentof
17J(Licensi
nginOl ympi
a,Washington,Thisfi
nancingstatementfal
sel
yclaimedthatFederal
18')NationalMortgageAssociati
onoweda$335,000debttotheAMARIGROUPandanunindicted
19 co-conspirator.
20 17. O noraboutNovem berzs,2009,TAppERTfrljudulentlyobtained the property
21 by causing a fraudulentdeed to be filed with the Clark County Recorder's Office. This
22 fraudulentdeed purpoded to convey FederalNationalM odgage Association s interestin
23 1601 lm perialCup toAMARIG ROUP.TAPPERT signed the deed,falsely representing herself
24 as the 'lauthorized agent''forthe FederalNationalM odgage Association.
251 '

26

/
J
 Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 5 of 20

1 18. In reality,however,the true FederalNationalModgage Association did not

2 conveythe propertytoAM/m lGROUP,TAPPERT Oranyentity controlled by her,norauthorized

3 anyone to do so.
4 Mannerand Means ofthelssquatter's Schelne''to Defraud
5 19. As pad ofthe iisquatter's schem e''to defraud,defendantdid alIofthe

6 following:
71 C. Count4:32 Via Vasari#28106,Henderson,NV 89011
8I 20. In oraboutSeptem ber2009,32 Via Vasari//28106 was foreclosed upon,
9'1 and titlewasconveyedtoDeutscheBankNationalTrustCompany,astrusteeof
I
10 ; IndyM ac INDX M odgage Loan Trust2O06-AR-15,Mortgage Pass-Through Cedificates,
11 Series 2006-AR 15 underthe Pooling and Servicing Agreem entdated M ay 1,2006.
12 21. O n oraboutDecem ber22,2009,TAPPERT fraudulently obtained the
13 propedy by causing a fraudulentdeed to be filed with the C'
Iark County Recorder's
14 O ffice. TAPPERT caused this fraudulentdeed to be filed online,via Sim pliFile,an online
15j filing system whose servers are Iocated in Utah. ln turn,Sim pliFile in Utah electronically
16 filed TAPPERT'S fraudulentdeed with the Clark County Reccrder's Office.
17 22. This fraudulentdeed purpoded to convey lndyMac's interestin 32 Via
1
18 Vasari,# 28106 to ''FEDERALNATIONALM ORTGAGEASSOCIATIONI''at2840 EastLake
19 Mead Dr.#173,Henderson,NV,an entiW and addressthatTABPERT controlled.
20 23. Unlike the true FederalNationalMortgageAssociation (more comm only
21 known as''Fannie Mae''),TAPPERT'S''FEDEM LNATIONALMORTGAGEASSOCI
ATION''is nOt
I
22 related to the i
dentically-nam ed governm ent-sponsored enterprise chartered by 1

23 Congress,
24i 24. TAPPERTSignedthefraudulentdeed,falselyrepresentingherselfasthe
l
25j 'authori
I
zedagent'forDeutscheBankNationalTrustCo.Inreali
ty,however,thetrue
26) DeutscheBankNationalTrustCo.didnotconveytlnepropedytotho''FEDEIRALNATIONAL
;
I(
j
fJ 5
!

f'
I
t.
 Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 6 of 20

l M ORTGAGEASSOCIATION,''TAPPERT orany entity controlled by her,norauthorized anyone

2 to do so.
3 D. Count5:612 Diamond St.,Farminqton.NM 87401
4 25. ln oraboutSeptem ber2009,612 Diam ond S'
t.was foreclosed upon,and
5 title was conveyed to Deutsche Bank NationalTrustCom pany,as trustee forSaxon

6 AssetSecurities Trust2007-2.
7 26. O n oraboutDecem ber18,2009,TAPPERT fraudulently obtained the
8 property by causing a fraudulentdeed lo be filed with the San Juan County Clerk's
9 Ofice. TAPPERT caused this deed to be filed via Sim pliFile,the online filing system
10 whose servers are located in Utah. In turn,Sim pliFile in Utah electronically filed
11 TAPPERT'S fraudulentdeed with the Clark County Recorder's O#ice.
12 27. This fraudulentdeed purpoded to convey the interestof Deutsche Bank
13 NationalTrustCom pany,as trustee forSaxon AssetSecurities Trust2007-2 in 612
14 Diamond St.to SARALAND INVESTMENTS,an entity controlleclby TAPPERT. Although a
15 d'Henry M alchovich,SpecialMasterj''purported to sign the deed forDeutsche Bank

16 NationalTrustCo.,TAPPERT signed the deed as notary public,

17 28. In reality,the true Deutsche Bank NationalTrustCo.did notconveythe
f
18 propedy to SARAI-AND INVESTMENTS,TARPERT Orany entity Crntrolled by her,nor
19 authorized anyone to do so.
20 29. Subsequently,TAPPERT rented Outthe propedy,in return fora One-tim e

21 fee of$4,050,
22 E. Count6:675 G reqorv Circle.Corona.CA 92881
23 30. Priorto in oraboutFebruaw 2010,675 G regory Circle was foreclosed

24lupon,andti
; tl
ewaseventualyconveyedtoReconTrustCompany,N.
A.
25

26

7
 Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 7 of 20

1 31. O n oraboutFebruary 16,2010,TAPPERT fratldulently obtained the

2 propedy by causing a fraudulentdeed to be filed with the Riverside County Assessor-
3 County Clerk-Recorder's O#ice,
4 32. This fraudulentdeed purpoded to convey the interestof''Recon Trust

5 CompanyN.A.'Isiclin675 Gregoly Circle to ''NORTHWESTP'

ROPERTIESASSOCIATES,
6 ASSET-BACKED CERTIFICATES,SERIES 2006-FF1,'an entity controlled by TAPPERT . A
7 dlloseph M ichaels,''purpoded to sign the deed on behalfofikRecon TrustCom pany N.A.''
8 ln reality,the true ReconTrustConbpany N.A.did notconvey the property to I'NORTHW EST
l
9 PROPERTIESASSOCIATES,ASSET-BACKED CERTIFICATES,SERIES2O06-FF1,'TAPPERT or
10 (
! any entiW controll
ed by her,norauthorized anyoneto do so. 1
111
h
33. Subsequently,TAPPERTcausedthepropedytobesold.Onorabout
12 February 2O,2010,TAPPERT,on behalfof''NORTHW EST PRC'
PERTIES ASSOCI
ATESI''

13 entered into an agreementto sellthispropedyfor$490,000.

14 34. This sale closed on oraboutMarch 12,201C'
. TAPPERT,on behalfof
15 ''NORIHW EST PROPERTIESASSOCIATESI''Caused the escrow com pany to disburse this
16i $490,000 to severalofTAPPERT'S nom inees. Forexam ple,on oraboutM arch 12,2010,
17 $60,000,00ofthe proceedswaswired from the escrow cornpany in California to
18ti DESCHUTES RI
VER TITLEASSOCIATES OfNevada,Bank ofAm erica accountxxxx-xxxx-
1977755 .

20 35. In oraboutthe dates described below,in the,State and FederalDistrictof

21 ' Nevada , forthe purpose ofexecuting and attem pting to execute the schem e and artifice,
22 DefendantTAPPERT did knowingly place in any postoffice and authorized depository for
23 mailm atter,to be sentand delivered by the PostalService;did knowingly depositand
24 cause to be deposited to be sentand delivered by any private and com m ercialinterstate
25 carrier;did know ingly take and receive from an authorized depository form ail'
,and did
26 knowingly cause to be delivered by m ailand such carrieraccording to the direction
$(
S

J) z
It
'
j

l
)
i
!
 Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 8 of 20

1 thereon,and atthe place atwhich itw as directed to be delivered by the person to whom

2 itwas addressed,the following mader:

3 Count Date Mailing ,
4 1 November A rentcheckof$1,000.00from tenantM.C.to the AMARI
2009 GROUP,an entity controlled by TAPPERT.
5
2 December A rentcheckof$1,000.00 from tenantM.C.to the AMARI
6 2009 GROUP,anentiW controlled by TAPPERT.
7
AlIin violation ofTitle 18,United States Code,Section 1341.
8
9 couN'rs THREE TO SIX
W ire Fraud
1O
11 36. The allegations setfodb in the lntroductjon and Counts One and Two are

12 re-alleged and incorporated herein,

13 37. O n oraboutthe dates identified below,in the State and FederalDistrictof
14 l Nevada and elsewhere
i ,

15f KAREuyAppERy,
16 defendantherein,did devise and intend to devise,and padicipate in a schem e and
17/ artifice to defraud and forobtaining money and propedy by means ofm aterialdy false and
18 fraudulentpretenses,representations and prom ises,and forthe purpose ofexecuting
19 the schem e did cause to be transm itted by m eans ofwire com m unication in interstate
20 com merce the follow ing writings,signs,signals,and sounds,with each transm ission
21 constituting a separate violation ofTi
tle 18,United States Code,Section 1343:

22
23
24
25
26

! 8
l

1
 Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 9 of 20

1 Count Date W ire

2 3 Novem ber Debitcard paym entforonline filing offraudulentUCC-I with

3 25, 2009 W ashington State DepartmentofLicensing,sentfrom Nevada

4 to
5 Bank ofAm erica account,xxxx-xx):x-6853.
6 4 Decem ber O nline filing offraudulentdeed,sentfrom Sim pliFile in Utah to
7 22,2009 Clark County Recorder's Office in Nevada.
s 5 Decem ber O nline filing offraudulentdeed,sentfrom Sim pliFile in Utah to
9 18,2009 San Juan Cotlnty Clerk's Office in New Mexico.
i 6 March 12, W ire transferof$60,000.00 sentfrom Castlehead Inc.Escrow
1()f
? 2010 ofCalifornia to DESCHUTES RI
VER TITLEASSOCIATES OfNevada,
11I
Bank ofAm erica accountxxxx-xxxx-7755.
12k
13
l4 . . '
15 . ' .
l6 . ' '

17 ' ' '

i
18 ' . '
19l ' . '

20 ' . .
21 ' ' '
22 I ' . '

23j..'
24 . . '
25 ! . . '

26 ' . .

9
 Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 10 of 20

l FORFEITURE
M >LLEGATION Oh!.
;
allFraud
2
3 1. The allegation of Counts O ne and Two of this lndictment are hereby
4 realleged and incorporated herein by reference for the purpose of alleging forfei
ture

5l pursuanttotheprovisionsofTitle18,UnitedStatesCode,Section981(a)(1)(C)andTitle28,
li
6 United States Code,Section 2461(c).
71
1 2. Upon a conviction ofthe felonyoffenses charged in Counts One and Two of
8 this lndictm ent,
9 KAREN TAPPERT,
l
10 defendant herein, shall fodeit to the United States of Am erica, any propedy which
11r
3 constitutes oris derived from proceeds traceable to violations ofTitle 18,United States
l21I code,Section 1341,a specified unlawftllactivity asdefined in Title 18,United StatesCode,
13 Sections 1956(c)(7)(A)and 1961(1)(B),ora conspiracy to com mi
tsuch opense,an in
14 personam criminalfodbituremoneyjudgmentupto$127,009.11in United StatesCurrency.
15 3. Ifany propertybeingsubjectto forfeiture pursuanttoTitle 18,United States
16 Code,Section981(a)(1)(C)andTitle28,United StatesCoda,Section2461(c),asa result
t
171 ofanyactoromission ofthe defendant-
18 a. cannotbe Iocated upon the exercise ofdue diligence'
,
19 b. has been transferred orsold to,ordeposited with,a third party'
,

20 c. has beenplaced beyond thejurisdiction ofthe court;

211
22
d. h
e.
asbeensubstantialydiminishedinvalue;or
has been com m ingled w ith otherproperty thatcannotbe divided without

23 difficulty;
24 itis the intentofthe United States ofAm erica,pursuantto Title 21,United States Code,
î
25 Section 853(p),to seek fodeiture ofany propedies ofthe clefendantsforan in personam
26 criminalforfeiture money judgment up to $127,009.11 in United States Currency.AlI

. 10

1 (
 Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 11 of 20

'
1 pursuanttoTitle 18,United StatesCode,Section981(a)(1)(C)and Title 28,United States
2 Code,Section 2461(c)'
,Title 18,Uni
ted States Code,Section 1341,a specified unlawful
3 activityasdefined inTitle 18,United StatesCode,Sections 1956(c)(7)(A)and 1961(1)(B)'
,
4 and Title 21,United States Code,Section 853(p).
5 FORFEITURE
kal
ALLEGATI
lFraud
ON TMLQ
6
7f 1. The allegation of Counts O ne and Two of this lndictm ent are hereby '
8 realleged and incorporated herein by reference for the purpose of alleging forfei
ture
9 pursuantto the provision ofTitle 18,United StatesCode,Section 982(a)(2)(A).
l0k 2. UponaconvictionofthefelonyofensechargedinCountsOne andTwoof
11 this Indictm ent,
12i
1
KAREN TAPPERT,
13 defendantherein,shallforfeitto the United States ofAm erica any propedy constituting,or
14 derived from ,proceeds obtained directlyorindirectly asthe rasultofsuch violations ofTitle
15 18,United States Code, Section 1341,or a conspiracy to com mit such olense,an in

l6j personam criminalforfeituremoneyjudgmentupto$127,009,11inUnitedStatesCurrency,

17 lfanypropertybeingsubjecttofo/eiture pursuanttoTitle 18,United StatesCode,
18 Section982(a)(2)(A),asaresultofanyactoromissionofthedefendants-
19 a. cannotbe Iocated upon the exercise ofdue cliligence'
,
20 l b . has been transferred orsold to,ordeposited with,a third party'
,
i
211
I
c. hasbeenplacedbeyondthejurisdictionofthecourt;
22$
1 d . has been substantially dim inished in value'
,or

23( e. hasbeencommingl
edwi
thotherpropedythatcannotbedi
vi
dedwi
thout !
24 j di#iculty;
1
25t
!:

261
1
)
11

k)
 Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 12 of 20

1 itis the intentofthe Uni

ted States ofAmerica,pursuantto Title 21,United States Code,

2 Section 853(p),to seekforfei

ture ofany properties ofthe defendants foran in personam
3 criminalfodeiture moneyjudgmentup to $127,009.11in United StatesCurrency.
4 Allpursuantto Title 18,United StatesCode,Sections982(a)(2)(A)and 1341,
.and
l
5 Title 21,United StatesCode,Section 853(p).
6 FORFEITUREALLEGATION THREE
W lre Fraud
7f
ù
8 1. The allegation ofCountThree ofthis Indictm entis hereby realleged and '
9 incorporated herein by reference forthe purpose of alleging forfeiture pursuant to the
10 provisionsofTitle 18,United StatesCode,Section981(a)(1)(C)and Title 28,Uni
ted States
1
l1 Code,Section 2461(c).
12 2. Upon a conviction ofthe felony offense charged in Count Three of this

13 Indictm ent,
14 KAREN TAPPERT,
15 defendant herein, shallforfeit to the United States of America, any propedy which
16 constitutes or is derived from proceeds traceable to violations ofTitle 18,United States
I7. Code,Section 1343,a specified unlawfulactivity as defined inTitle 18,United StatesCode,

18 Sections 1956(c)(7)(A)and 1961(1)(B),ora conspiracy to commitsuch offense,an in

19 personam crim inalforfeiture moneyjudgmentupto$261,011.67 in UnitedStatesCurrency.
20 3. lfanypropertybeingsubjecttoforfeiturepursuantto Title 18,United States
21. Code,Section 981(a)(1)(C)andTitle 28,United StatesCocle,Section2461(c),asa result
?
22 ofany actorom ission ofthe defendant-
23 a. cannotbe Iocated upon the exercise ofdue diligence,
24 b. has been transferred orsold to,ordeposited with,a third pady;
I
25 c. hasbeen placed beyond thejurisdiction oftl3e coud;
26 d. has been substantially dim inished in value;or

12

1
rl
 Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 13 of 20

1 e. has been com m ingled with otherproperty thatcannot be divided without

2 difficulty'
,
3 itis the intentofthe United States ofAm erica,pursuantto Title 21,United States Code,
4 f Section 853(p),to seekfoKeiture ofany propediesofthe defendantsforan in personam
!
5 criminalforfeiture moneyjudgmentupto $261,011.67 in United States Currency.
6h AIlpursuantto Title 18,United States Code,Section 981(a)(1)(C)and Title 28,
1
7 United States Code,Section 2461(c)'
,Title 18,United States Code,Section 1343,a
8 ! specifiedunlawfulactivityasdefinedinTitle 18,UnitedStatesCode,Sections1956(c)(7)(A)
9 and 1961(1)(B)'
,and Title 21,United StatesCode,Section 853(p).
10 FORFEITURE ALLEGATION FO UR
W ire Fraud
11 (
12 1. The allegation of CountThree ofthis Indictment is hereby realleged and
l .
13 incorporated herein by reference for the purpose of alleging fo/eiture pursuantto the
14 provision ofTitle 18,United States Code,Section 982(a)(2)(A),
15 2. Upon a conviction of the felony offense charged in CountThree of this

16 l indictm ent,
17 KAREN TAPPERT,
18 defendantherein,shallforfeitto the United States ofAm erica any property constituting,or
r
19 derived from ,proceeds obtained directlyorindirectly as the I
resultofsuch violations ofTitle
20 18,United States Code,Section 1343,or a conspiracy to com m itsuch offense,an in

21 personam criminalforfeituremoneyjudgmentupto$261,011.67inUnitedStatesCurrency,
l
2214 Ifany propedybeing subjectto forfeiture pursuantto Ti
tle 18,United States Code,
23 Section 982(a)(2)(A),asa resultofany actoromission ofthe defendants-
24 a. cannotbe Iocated upon the exercise ofdue diligence;
25 b. has been transferred orsold to,ordepositeclwith,a third party;
II
26k!
r c. hasbeenplacedbeyondthejurisdictionofthecourt;
JI d. has been substantially dim inished in value;()r
i
I 13
'S
i
I
i l
 Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 14 of 20

1 e. has been com m ingled w ith otherproperty t1

3at cannotbe divided without
2 difficulty;
3 itis the intentofthe United States ofAmerica,pursuantto Title 21,United States Code,
4 Section 853(p),to seekforfeiture ofany propedies ofthe defendantsforan in personam
5 criminalforfeiture moneyjudgmentupto $261,011.67 în United StatesCurrency.
61 AIIpursuanttoTitle 18,UnitedStatesCode,Sections982(a)(2)(A)and 1343.
,and
7 Title 21,United States Code,Section 853(p).
8 FORFEITURq
W lrAL LEGATION FIVE
e Fraud
9
10 1. The allegation of Count Four of this Indictm ent is hereby realleged and
11p incorporated herein by reference forthe purpose of alleging fo/eiture pursuant to the
12 provisionsofTitle 18,UnitedStatesCode,Section 981(a)(1)(C)andTitle28,UnitedStates
13 Code,Section2461(c).
14 2. Upon a conviction of tbe felony offense charged in Count Four of this i

15 Indictm ent,
16 KAREN TAPPERT,
17 defendant herein, shall forfei
t to the United States of Am erica, any propedy which
18 constitutes oris derived from proceeds traceable to violations ofTitle 18,Uni
ted States
19 I Code,Section 1343,a specified unlawfulactivityasdefined inTi
tle 18,United States Code,
20 iSecti
ons1956(c)(7)(A)and1961(1)(B)or a conspiracy to com mit such offense,an in
,

21l personam cri

minalforfeituremoneyjudgmentupto$108,750.00 in United States Currency.
22 3. Ifany property being subjectto forfei
ture pursuanttoTitle 18,United States
23 Code,Section 981(a)(1)(C)and Title28,United StatesCode,Section 2461(c),asa result

24lr
(ofanyactoromissi
onofthedefendant-
25J
41 a. cannotbel ocatedupontheexerci
seofduedi
li
gence'
,
26I b. has been transferred orsold to,ordeposited with,a third party'
,

i
i
I 14

'(
I
 Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 15 of 20

1 c. hasbeen placed beyond the jurisdictionofthe court;

2 d. has been substantially dim inished in value'
,oI
r
3 e. has been com m ingled with otherproperty that cannotbe divided w ithout

4 difficul
ty'
,
5 itis the intentofthe Uni ted States ofAm erica,pursuantto Title 21,United States Code,
6 Section 853(p),to seek forfeiture ofany propedies ofthe defendantsforan in personam
7 criminalforfeiture moneyjudgmentup to $108,750.00 in United StatesCurrency.
8 AlIpursuantto Title 18,Uni
ted States Code,Section 981(a)(1)(C)and Title 28,
9 United States Code,Section 2461(c),
'Title 18,United States Code,Section 1343,a
10 specifiedunlaM ulactivi
tyasdefinedinTitle18,UnitedStates,Code,Sections1956(c)(7)(A)
11 and 1961(1)(B)'
,and Title 21,United States Code,Section 853(p).
12 FORFEITURC
W lreALLEGATIONSIX
Fraud
l3
14 1. The allegation of Count Four of this Indictrnent is hereby realleged and
l5 incorporated herein by reference for the purpose of alleging foffeiture pursuant to the

16 provision ofTitle 18,United StatesCode,Section 982(a)(2)(A). )

17 2. Upon a conviction of the felony offense charged in Count Four of this

l8 Indictm ent,
19 KA REN TA PPER T,
20 defendantherein,shallfoffeitto the Uni
ted States ofAm erica any property constituting,or
21 derived from ,proceedsobtained directly orindirectly as the l
'esultofsuch violations ofTitle
22 18,United States Code,Section 1343,or a conspiracy to com m itsuch offense,an in

23 personam criminalforfeituremoneyjudgmentupto$108,750.00inUnited StatesCurrency.

24 Ifany propedybeingsubjecttoforfeiture pursuanttI
7Title 18,United StatesCode,
25 Section 982(a)(2)(A),asa resultofany actoromissionofthe defendants-
I
261r . . .
f
i
i

15
;
 Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 16 of 20

1 a. cannotbe located tlpon the exercise ofdue diligence;

2 b. has been transferred orsold to,ordeposited with,a third party'
,

3 c. hasbeen placed beyondthejurisdiction ofthe coud;

4 d. has been substantially dim inished in value;or
5 e. has been com m ingled with otherpropedy thatcannotbe divided wi
thout
6 diiiculty'
,
7 itis the intentofthe United States ofAm erica,pursuantto Title 21,United States Code,
8 Section 853(p),to seek forfeiture ofany propediesofthe defendants foran in personam
9gI criminalfoffeiture moneyjudgmentupto $108,750.00 in United States Currency.
'j '
l0 AIIpursuantto Title 18,Uni
ted StatesCode,Sections982(a)(2)(A)and 1343.
,and
l1 Title 21,Uni
ted StatesCode,Section 853(p).
126
l1 FORFEITURE ALLEGATION SEVEN
W lre Fraud
l3
14 1, The allegation of Count Five of this Indictrnent is hereby realleged and
15 incorporated herein by reference for 1he purpose of alleging forfeiture pursuant to the
16J
j provisionsofTitle18,UnitedStatesCode,Section981(a)(1)(C)andTitle28,UnitedStates
175 code,section2461(c).
181
dt :
2. Upon a conviction of the felony offense charged in Count Five of this
19 lndictm ent,
'

20 KAREN TAPPERT,
21 defendant herein, shall forfeit to the United States of Am erica, any property which
22 constitutes oris deri
ved from proceeds traceable to violations ofTitle 18,United States
23 Code,Section 1343,a specified unlawfulacti
vity asdefined in Title 18,United StatesCode,
24 Sections 1956(c)(7)(A)and 1961(1)(B),ora conspiracy to comm itsuch ofense,an in
25 personam crim inalforfeituremoneyjudgmentupto$293,250.00in United StatesCurrency. 1
26

16

l;
 Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 17 of 20

1 3, Ifanypropedybeing subjecttoforfeiturepursuantto Title 18,United States

2 Code,Section 981(a)(1)(C)and Title 28,United States Code,Section 2461(c),asa result
3 ofany actorom ission ofthe defendant-
4 a. cannotbe located upon '
the exercise ofdue diligence'
,
1
5 b. has been transferred orsold to,ordeposited with,a third party'
,
6 c. has been placed beyond the jurisdiction ofthe coud;
7/ d. has been substantially dim inished in value;or
8 e. has been com m ingled with other propedy tlnatcannotbe divided without

9 difficulty;
10 i
tis the intentofthe Uni
ted States ofAm erica,pursuantto Title 21,United States Code,
11 Section 853(p),to seekfodeiture ofany propertiesofthe defendantsforan in personam
12 criminalforfeiture moneyjudgmentup to $293,250.00 in United StatesCurrency.
p
13 A1Ipursuantto Title 18,Uni
ted States Code,Section 981(a)(1)(C)and Title 28,
14 United States Code,Section 2461(c)' ,Title 18,United States Code,Section 1343,a
15 specifiedunlawfulactivityasdefinedinTitle 18,UnitedStatesCode,Sections1956(c)(7)(A)
16 and 1961(1)(B)'
,and Ti
tle 21,Uni
ted StatesCode,Section 853(p).
17 FORFEITUREFLLEGATION EIGHT
I W lre Fraud
1sI''
l9 i
1; 1 The allegation of Count Five of this Indictment is hereby realleged and
lI .
20 :
' incorporated herein by reference for the purpose of alleging forfeiture pursuantto the

211 provisionofTitle18,UnitedStatesCode,Section982(a)(2).
(A).
22 2. Upon a conviction of the felony offense charged in Count Five of this

23 l Indictm ent,
!
24 KAREN TAPPERT,
25 defendantherein,shallforfei
tto the United States ofAm erica any property constituting,or
26 derived from ,proceeds obtained directly orindirectly asthe resultofsuch violations ofTitle
i
i 17
i

jI
1I
'
 Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 18 of 20

1 18,United States Code,Section 1343,or a conspiracy tc com m itsuch offense,an in

2 personam criminalforfei
turemoneyjudgmentupto$293,250.00 in UnitedStatesCurrency.
3 Ifanypropedybeingsubjecttoforfeiture pursuanttcTitle 18,United StatesCode,
4 Section982(a)(2)(A),asa resultofany actoromission ofthe defendants-
51 a. cannotbeIocatedupontheexerciseofduecliligence'
,
6 b. has been transferred orsold to,ordeposited with,a third pady'
,
7 c. hasbeen placed beyond thejurisdiction ofthe court'
,
8 d, has been substantially dim inished in value;or
9 e. has been com m ingled with otherproperty thatcannotbe divided w ithout
!
10I dificulty'
,
(
1li itis the intentofthe United States ofAmerica,pursuantto Ti
tle 21,United States Code,
12 Section 853(p),to seekforfei
ture ofany propertiesofthe defendants foran inpersonam
13 cfim inalforfeiture moneyjudgmentup to $293,250.00 in United States Currency.
rL
14 AIIpursuanttoTitle 18,United StatesCode,Sections 982(a)(2)(A)and 1343.
,and
15 Title 21,United States Code,Section 853(p).
l
161
(
1
FORFEITURN ALLEGATIONNINE
w lre Fraud
1

171
18 1. The allegation of Count Six of this lndictrnent is hereby realleged and
19!l incorporated herein by reference forthe purpose ofalleging forfeiture pursuantto the
!
20 provisionsofTitle 18,UnitedStatesCode,Section981(a)(1)(C)and Title28,United States
21 Code,Section2461(c).
22' 2. Upon a conviction of the felony offense charged in Count Six of this
'
j
23 Indictm ent,
24 KAREN TAPPERT,
25 defendant herein, shall forfeit to the United States of Am erica, any property which
26 constitutes oris derived from proceeds traceable to violations ofTitle 18,United States
I

18
I
l

l
 Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 19 of 20

1 Code,Section 1343,a specified unlaM ulactivity as defined in Title 18,United States Code,

2 Sections 1956(c)(7)(A)and 1961(1)(B),ora conspiracy to commitsuch offense,an in

3 personam criminalforfeituremoneyjudgmentupto$490,000.00inUnitedStatesCurrency.
4 3. Ifanypropedybeing subjecttoforfeiture pursuanttoTitle 18,United States
5 Code,Section 981(a)(1)(C)and Title 28,United StatesCode,Section 2461(c),asa result
6 ofany actorom ission ofthe defendant-
7.1
: a. cannotbe Iocated upon the exercise ofdue diligence'
,
8 b. has been transferred orsold to,ordeposi
ted with'a third party;
!
91
i c. has been placed beyondthejurisdiction ofthe coud;
q
10 d. has been substantially dim inished in value'
,cir
11 e. l7as been com m ingled with other property thatcannotbe divided wjthout

12 dificul
ty;
13 itis the intentofthe United States ofAm erica,pursuantto Title 21,United States Code,
14 Section 853(p),to seekforfeiture ofany properties ofthe defendantsforan in personam
15p criminalforfeiture moneyjudgmentupto$490,000.00in Urlited StatesCurrency.
I
16 j AlIpursuantto Title 18,United States Code,Section 981(a)(1)(C)and Title 28,
171Uni
tedStatesCode,Secti
on2461(c)'
,Ti
tle18,Uni
tedStatesCode,Section1343,a
l8 specifiedunlawfulactivityasdefinedinTitle 18,UnitedStatesCode,Sections1956(c)(7)(A)
19 and 1961(1)(B);and Title 21,United States Code,Section 853(p).
201 FORFEITURq
w lrALLEGATI
e Fraud
ON TEN
211?
1
22 1. The allegation of Count Six of this Indictm ent is hereby realleged and
23 incorporated herein by reference for the purpose of alleging forfeiture pursuant to tbe
24 provision ofTitle 18,United StatesCode,Section 982(a)(2)(A).
25 2. Upon a conviction ofthe felony offense charged in CountSix ofthis p
26 Indictm ent,

1i 19 j
'
1 '
I
'
lI j
 Case 2:10-cr-00286-PMP-RJJ Document 1 Filed 06/16/10 Page 20 of 20

1 KAREN TAPPERT,
2 defendantherein,shallfodeitto the United States ofAm erica any propedy constituting, or
3 derived from ,proceeds obtained directly orindirectly as the resultofsuch violations ofTitle
4 18,United States Code,Section 1343,or a conspiracy to com m it such olense, an in
5j) personam criminalfodeiture moneyjudgm entupto$490,000.00inUnited StatesCurrency.
6 Ifanypropedybeing subjecttoforfeiture pursuantto Title 18,UnitedStatesCode,
7J Section 982(a)(2)(A),asa resultofany actorom issionofthle defendants-
8 a. cannotbe Iocated upon the exercise ofdue cliligence'
,
9 b. has been transferred orsold to,ordeposited with,a third pady;
10', c. has been placed beyond thejurisdictionofthe court;
11 d. has been substantially dim inished in value;or
12'.iI e. has been com m ingled with other propedy thatcannotbe divided without
!
13 difficulty;
14 itis the intentofthe United States ofAm erica,pursuantto Title 21,United States Code,
f'
;
15i Section 853(p),to seekfo/eiture ofany propertiesofthe defendants foran inpersonam
16 criminalforfei
ture moneyjudgmentup to $490,000.00 in Uni
ted States Currency.
l7 AIIpursuantto Title 18,United States Code,Sections 982(a)(2)(A)and 1343.
,and
18 j Title 21,United States Code,Section 853(p).
1h
19 DATED:this ZZ dayofJune 2010 .

20 A TRUE BILL:
21 /S/
'
2 FOREPERSON OF THE GRANID JURY
22 DANIEL B G DEN
United ates n
23.i
24
25, M ICHAEL CHU
AssistantUnited StatesAttorney
26

20
;'