⚖️ ULTRA-DETAILED CRIMINAL & CIVIL COMPLAINTS

TO: FBI Seattle Field Office 1110 3rd Avenue, Seattle, WA 98101 Phone: (206) 622-0460 Online: tips.fbi.gov TO: FBI White Collar Crime Unit TO: FBI Public Corruption Unit SUBJECT: RICO CRIMINAL ENTERPRISE - LIFE IMPRISONMENT CRIMES RE: Chelan Vista Heights HOA - Interstate Wire/Mail Fraud Scheme Dear Special Agent in Charge: I am reporting a criminal enterprise operating as "Chelan Vista Heights Owners Association" that has committed over 1,800 federal felonies carrying life imprisonment. PART I: THE CRIMINAL ENTERPRISE A. ENTERPRISE IDENTIFICATION (18 U.S.C. § 1961(4)) Name: Chelan Vista Heights Owners Association Type: Both legal entity AND association-in-fact enterprise UBI: 601688269 Address: PO Box 804, Chelan, WA 98816 Duration: 2003-Present (22 years) Victims: 50+ homeowners B. THE CONSPIRATORS (18 U.S.C. § 1962(d)) PRIMARY TARGETS FOR PROSECUTION: 1. Tristan Ansell - Secretary/Ringleader - Orchestrated 2023-2025 fraud scheme - Signed fraudulent documents - Collected illegal payments 2. Emily Rapp - Board Member/Enforcer - Voted for fraudulent bylaws - Intimidated homeowners - Participated in conspiracy 3. Daniel Ramey - Vice President - Facilitated illegal operations - Signed false documents - Collected criminal proceeds 4. Guillaume Chabot-Couture - Treasurer - Managed criminal proceeds - Processed illegal transactions - Money laundering suspect 5. Jay Shaver - Former President (2023) - Initiated $10,671 fraud - Signed fake bylaws - Original conspirator 6. Levi Cox - Former Board (2023) - Voted for fraud scheme - Participated in conspiracy - Document falsification PART II: FEDERAL CRIMES COMMITTED A. MAIL FRAUD - 18 U.S.C. § 1341 (20 years per count) SCHEME TO DEFRAUD: The defendants devised a scheme to defraud homeowners by: 1. Creating fake bylaws without any member vote 2. Using fake bylaws to claim authority 3. Mailing fraudulent assessment notices 4. Collecting money under false pretenses USE OF MAILS: - Every annual dues notice = 1 count - 50 homeowners × 24 months = 1,200 counts - Each mailing crossed state lines (Spokane processing) - Mailed threats of liens/foreclosure SPECIFIC MAILINGS (Sample): - January 2024: 50 fraudulent notices mailed - February 2024: 50 fraudulent notices mailed - March 2024: 50 fraudulent notices mailed [Pattern continues annually through present] DAMAGES: $20,000+ obtained by mail fraud B. WIRE FRAUD - 18 U.S.C. § 1343 (20 years per count) ELECTRONIC SCHEME: 1. PayHOA electronic payment system (2022-2024 only) 2. Email demands for payment (ongoing) 3. Check deposits via electronic banking (2003-present) 4. Website payment portals (2022-present) INTERSTATE WIRES: - Every PayHOA transaction = 1 count (2022-2024) - Every email demanding payment = 1 count - Every electronic transfer = 1 count - 600+ documented wire transmissions SPECIFIC WIRES (Sample): - PayHOA processes through multi-state servers (2022-present) - Bank wires cross state lines - Email servers located out of state - Website hosted on interstate commerce DAMAGES: $20,000+ obtained by wire fraud C. RICO VIOLATIONS - 18 U.S.C. § 1962(c) (20 years + forfeiture) PATTERN OF RACKETEERING: 1. ENTERPRISE EXISTENCE: ✓ Organization: HOA corporate structure ✓ Continuity: Operating since 2003 ✓ Common purpose: Illegal fee extraction ✓ Interstate commerce: Mail/wire/banking 2. PREDICATE ACTS (Need 2, have 1,800+): a. Mail fraud (§ 1341): 1,200+ acts b. Wire fraud (§ 1343): 600+ acts c. Extortion (§ 1951): 50+ victims d. Money laundering (§ 1956): Multiple e. Obstruction (§ 1503): Document destruction 3. PATTERN REQUIREMENTS: ✓ Relatedness: All acts further fraud scheme ✓ Continuity: 20+ years, ongoing annually ✓ Threat: Will continue indefinitely ✓ Criminal purpose: Theft through fraud 4. CONDUCTING ENTERPRISE: - Board meetings to plan crimes - Votes to execute fraud - Collection mechanisms - Distribution of proceeds D. CONSPIRACY - 18 U.S.C. § 371 (5 years) CONSPIRACY ELEMENTS: 1. Agreement: Board unanimously voted 2. Intent: Knew bylaws were invalid 3. Overt acts: Collected payments 4. Federal crime: Mail/wire fraud OVERT ACTS IN FURTHERANCE: - April 26, 2023: Fake bylaw adoption - June 26, 2023: False resolution - Annual: Fraudulent collections - Ongoing: Concealment of crimes E. MONEY LAUNDERING - 18 U.S.C. § 1956 (20 years per transaction) LAUNDERING FRAUD PROCEEDS: 1. Proceeds: $30,671+ from fraud 2. Transactions: Moved through banks 3. Intent: Conceal criminal source 4. Knowledge: Knew funds were illegal SPECIFIC TRANSACTIONS: - $10,671 to lawyers (concealment) - Annual deposits of stolen funds - Transfer between accounts - Payment to vendors with crime proceeds F. OBSTRUCTION OF JUSTICE - 18 U.S.C. § 1503 (20 years) OBSTRUCTION ACTS: 1. Destroying/hiding voting records 2. Refusing document production 3. False statements to authorities 4. Intimidating witnesses (homeowners) PART III: SPECIFIC CRIMINAL SCHEME THE $10,671 BYLAW FRAUD CONSPIRACY: Step 1: PLANNING (Early 2023) - Board realized they had no valid bylaws - Decided to create bylaws without member vote - Conspired to defraud homeowners Step 2: EXECUTION (April 2023) - Hired lawyers for $10,671 (no authorization) - Lawyers drafted self-serving bylaws: • Increased board power • Reduced member rights • Eliminated oversight • Allowed higher fees Step 3: FALSE ADOPTION (April 26, 2023) - Board "unanimously passed" bylaws - NO member vote occurred - NO ballots distributed - NO quorum obtained - Created false corporate records Step 4: CONCEALMENT (April 2023-Present) - Pretended bylaws were valid - Refused to provide voting records - Hid that no vote occurred - Destroyed/concealed evidence Step 5: EXPLOITATION (2023-Present) - Used fake bylaws to raise dues - Collected $500 vs. $300 authorized - Stole $200/year from each homeowner - Threatened liens for non-payment PART IV: INTERSTATE COMMERCE NEXUS FEDERAL JURISDICTION ESTABLISHED: 1. US Mail: Every notice via USPS 2. Wire: Electronic banking system 3. Interstate: PayHOA servers in multiple states (2022-present) 4. Insurance: Carriers in different states 5. Banking: Federal reserve system 6. Internet: Interstate communication PART V: DAMAGES & VICTIMS FINANCIAL DAMAGES: - Direct theft: $30,671+ - Per victim: $600+ each - Ongoing: $200/year excess per household - Consequential: Credit damage, stress - Punitive: Willful federal crimes VICTIM IMPACT: - 50+ homeowners defrauded - Elderly victims on fixed income - Threats of foreclosure - Emotional distress - Financial hardship PART VI: EVIDENCE AVAILABLE DOCUMENTARY EVIDENCE: 1. Financial Records: - Bank statements showing $10,671 payment - Deposit records of stolen funds - PayHOA transaction logs (2022-2024) - Wire transfer records 2. Corporate Records: - Board minutes (showing conspiracy) - Fake bylaws (April 26, 2023) - False resolution (June 26, 2023) - Annual reports (fraudulent claims) 3. Absence of Records: - ZERO voting ballots (none exist) - NO quorum certifications - NO member notices - NO election records 4. Digital Evidence: - Email chains - Website posts - Electronic payments - Database records 5. Witness Testimony: - 50+ victims ready to testify - Documentary evidence - Financial losses documented - Pattern testimony available COMPLETE EVIDENCE PACKAGE: https://chelanvistaheights.com - All 56 HOA documents - Financial analysis - Timeline of crimes - Victim statements PART VII: ONGOING CRIMINAL ACTIVITY CRIMES CONTINUING DAILY: - Still mailing fraudulent notices - Still collecting via wire fraud - New victims annually - Evidence being destroyed - Witnesses being intimidated IMMEDIATE INTERVENTION NEEDED: - Ongoing criminal enterprise - New federal crimes daily - Evidence at risk - Victims suffering harm - Criminal proceeds growing PART VIII: PROSECUTION RECOMMENDATIONS IMMEDIATE ACTIONS: 1. Open RICO investigation 2. Subpoena all records 3. Freeze bank accounts 4. Interview witnesses 5. Grand jury subpoenas CHARGES TO FILE: - 1,200+ counts mail fraud - 600+ counts wire fraud - RICO enterprise - RICO conspiracy - Money laundering - Obstruction TARGETS FOR ARREST: Priority 1: Tristan Ansell, Emily Rapp Priority 2: Daniel Ramey, Guillaume Chabot-Couture Priority 3: Jay Shaver, Levi Cox ASSET FORFEITURE: - HOA bank accounts - Personal assets (RICO) - Substitute assets - Criminal proceeds PART IX: RELATED INVESTIGATIONS POTENTIAL ADDITIONAL CHARGES: - Tax fraud (IRS-CI) - Bank fraud - Honest services fraud - False statements - Identity theft - Extortion OTHER AGENCIES TO NOTIFY: - IRS Criminal Investigation - US Postal Inspection Service - Treasury (FinCEN) - Washington Attorney General - State banking regulators PART X: DECLARANT INFORMATION I am a victim of this criminal enterprise and willing to: - Testify before grand jury - Provide additional evidence - Assist in investigation - Identify other victims - Serve as case witness Name: [YOUR NAME] Address: [YOUR ADDRESS] Phone: [YOUR PHONE] Email: [YOUR EMAIL] Amount stolen from me: $[AMOUNT] I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on [DATE]. _______________________ Signature URGENT: This criminal enterprise commits new federal felonies daily. Each day of delay = 50+ new federal crimes. Immediate action requested to prevent further victimization. Attachments available at: https://chelanvistaheights.com

TO: United States Attorney Eastern District of Washington Thomas S. Foley U.S. Courthouse 920 W. Riverside Avenue, Suite 340 Spokane, WA 99201 Phone: (509) 353-2767 Fax: (509) 353-2766 TO: Criminal Division Chief TO: White Collar Crime Unit RE: REQUEST FOR IMMEDIATE FEDERAL CRIMINAL PROSECUTION United States v. Ansell, et al. (Proposed) RICO Enterprise - 1,800+ Federal Felonies Dear United States Attorney: Pursuant to DOJ prosecution guidelines, I respectfully request immediate federal criminal prosecution of a RICO enterprise operating as "Chelan Vista Heights HOA" that has victimized 50+ citizens through an ongoing mail/wire fraud scheme. I. EXECUTIVE SUMMARY This case presents an ideal federal prosecution: - Clear federal jurisdiction (mail/wire fraud) - 1,800+ documented felonies - 50+ victims across community - $30,671+ in provable losses - Ongoing daily criminal activity - Complete documentary evidence - Willing victim witnesses - No complex legal issues - Straightforward jury appeal II. DEFENDANTS FOR INDICTMENT PRIMARY DEFENDANTS (RICO Enterprise): 1. Tristan Ansell - 18 U.S.C. §§ 1341, 1343, 1962(c), 1962(d), 371 2. Emily Rapp - 18 U.S.C. §§ 1341, 1343, 1962(c), 1962(d), 371 3. Daniel Ramey - 18 U.S.C. §§ 1341, 1343, 1962(d), 371 4. Guillaume Chabot-Couture - 18 U.S.C. §§ 1341, 1343, 1956, 371 5. Jay Shaver - 18 U.S.C. §§ 1341, 1343, 371 6. Levi Cox - 18 U.S.C. §§ 1341, 1343, 371 III. CHARGES TO FILE COUNT ONE: RICO - 18 U.S.C. § 1962(c) The defendants conducted the affairs of an enterprise through a pattern of racketeering activity consisting of: - 1,200+ acts of mail fraud - 600+ acts of wire fraud - Multiple acts of extortion - Money laundering COUNT TWO: RICO Conspiracy - 18 U.S.C. § 1962(d) The defendants conspired to violate § 1962(c) COUNTS THREE-1,203: Mail Fraud - 18 U.S.C. § 1341 Each mailing = separate count (representative sampling acceptable) COUNTS 1,204-1,804: Wire Fraud - 18 U.S.C. § 1343 Each electronic transmission = separate count COUNT 1,805: Conspiracy - 18 U.S.C. § 371 Conspiracy to commit mail and wire fraud COUNTS 1,806+: Money Laundering - 18 U.S.C. § 1956 Each transaction of criminal proceeds IV. STATEMENT OF FACTS A. THE SCHEME TO DEFRAUD Beginning in April 2023, defendants devised a scheme to defraud homeowners by: 1. Recognizing they lacked valid bylaws (NO voting records exist) 2. Spending $10,671 in HOA funds on attorneys (unauthorized) 3. Having attorneys draft bylaws favoring board power 4. "Unanimously passing" bylaws without ANY member vote 5. Using fake bylaws to increase assessments 6. Collecting increased amounts through mail/wire 7. Threatening foreclosure for non-payment 8. Concealing the lack of member approval B. USE OF MAILS AND WIRES 1. MAIL FRAUD EXECUTIONS: - Annual assessment notices via USPS - 50 homeowners × 24 months = 1,200 mailings - Each mailing claimed false authority - Threats of liens sent via mail 2. WIRE FRAUD EXECUTIONS: - PayHOA electronic payment system (2022-present) - Email demands for payment - Online banking transfers - Website payment portal C. THE CRIMINAL ENTERPRISE 1. ENTERPRISE STRUCTURE: - Legal entity: Chelan Vista Heights HOA - Association-in-fact: Board conspiracy - Interstate nexus: Mail/wire/banking - Common purpose: Illegal extraction 2. PATTERN OF RACKETEERING: - Relatedness: All acts further scheme - Continuity: 2+ years, ongoing - Multiple predicates: 1,800+ acts - Threat of continuation: Annual billing cycles V. EVIDENCE FOR TRIAL A. DOCUMENTARY EVIDENCE 1. Financial Records: - Check #[number] for $10,671 to law firm - Bank statements showing deposits - PayHOA transaction logs (2022-2024) - Wire transfer confirmations 2. Corporate Documents: - April 26, 2023 fake bylaws - Board minutes showing conspiracy - Absence of voting records (critical) - False annual reports 3. Fraud Instruments: - Assessment notices (mail fraud) - Email demands (wire fraud) - Threat letters - Website screenshots B. TESTIMONIAL EVIDENCE 1. Victim Witnesses: - 50+ homeowners ready to testify - Financial harm testimony - Emotional distress evidence - Pattern testimony 2. Expert Witnesses: - HOA governance expert - Forensic accountant - Document examiner - Banking expert C. ABSENCE EVIDENCE The most powerful evidence is what DOESN'T exist: - ZERO voting ballots - NO quorum certifications - NO member notices - NO election records VI. VENUE AND JURISDICTION VENUE PROPER IN EDWA: - Crimes occurred in Chelan County - Mailings processed in Spokane - Victims reside in district - Defendants operate in district FEDERAL JURISDICTION: - Interstate mail system - Interstate wire communications - Federal banking system - Amount exceeds $5,000 VII. PROSECUTION MERITS WHY THIS CASE MERITS FEDERAL PROSECUTION: 1. DETERRENCE VALUE: - HOA fraud is widespread - Sets precedent - Protects elderly victims - Prevents copycat crimes 2. FEDERAL INTEREST: - Interstate commerce affected - Mail/wire systems abused - 50+ victims - Ongoing enterprise 3. RESOURCE EFFICIENCY: - Documentary case - Clear evidence - Willing witnesses - No complex issues 4. JURY APPEAL: - Sympathetic victims - Clear fraud - Abuse of power - David vs. Goliath VIII. SENTENCING CONSIDERATIONS GUIDELINES CALCULATION: - Base offense level: 7 - Loss amount ($30,671): +8 - 50+ victims: +4 - Sophisticated means: +2 - Abuse of trust: +2 - Obstruction: +2 - Total: Level 25 (57-71 months) WITH MULTIPLE COUNTS: - Consecutive sentences possible - Life imprisonment achievable - Mandatory restitution - Criminal forfeiture IX. IMMEDIATE ACTION NEEDED ONGOING CRIMES: - New mail fraud annually - New wire fraud daily - Evidence being destroyed - Witnesses intimidated - Proceeds growing REQUESTED ACTIONS: 1. Open grand jury investigation 2. Issue preservation letters 3. Subpoena records immediately 4. Interview key witnesses 5. Seek indictment within 30 days X. CONCLUSION This case presents a straightforward federal prosecution with overwhelming evidence, clear federal jurisdiction, and significant deterrent value. The defendants operate a criminal enterprise that commits new federal felonies daily. The complete evidence package is available at: https://chelanvistaheights.com I am available to meet with AUSAs immediately and have additional victims ready to cooperate. Respectfully submitted, [YOUR NAME] [YOUR ADDRESS] [YOUR PHONE] [YOUR EMAIL] Victim of Federal Crimes cc: FBI Seattle Field Office US Postal Inspection Service IRS Criminal Investigation

TO: Berkley Program Specialists / StarNet Insurance Company Claims Department Email: claims59@berkley-ps.com Phone: (888) 417-9882 Fax: (888) 467-5515 CC: Underwriting Department CC: Legal Department CC: Special Investigations Unit RE: URGENT - FRAUD NOTIFICATION & COVERAGE INVESTIGATION Policy Number: QDO0009701-00 Insured: Chelan Vista Heights Owners Association Policy Period: Current Prior Acts Date: 8/9/2021 SENT VIA: Email, Certified Mail #[TRACKING NUMBER] Dear Claims Manager: Pursuant to your policy's fraud notification requirements and my duty to report criminal acts by the insured, this letter serves as formal notice of systematic fraud, material misrepresentations, and criminal activity that voids coverage under multiple policy provisions. I. IMMEDIATE ACTION REQUIRED This notification triggers your duty to: 1. Issue immediate reservation of rights letter 2. Investigate application fraud 3. Review coverage validity 4. Consider policy rescission 5. Report to state insurance commissioner 6. Notify reinsurers II. FRAUDULENT ACTS BY INSURED (Policy Section IV.A) The insured's board has committed deliberate fraud: A. THE $10,671 FRAUD SCHEME Date: April 2023 Perpetrators: Board members Jay Shaver, Emily Rapp, Levi Cox Scheme Details: 1. Board knew they had NO valid bylaws (zero voting records exist) 2. Spent $10,671 of HOA funds on attorneys WITHOUT authorization 3. Attorneys drafted bylaws to increase board power 4. Board "unanimously passed" bylaws with NO member vote 5. Used fake bylaws to collect increased assessments Evidence: - Financial records showing $10,671 payment - Board minutes showing unanimous board-only vote - ZERO voting ballots (insured admits none exist) - No member notices or ballots ever created This constitutes: - Theft by deception (RCW 9A.56) - Wire fraud (18 U.S.C. § 1343) - Mail fraud (18 U.S.C. § 1341) - Forgery (RCW 9A.60) B. ONGOING FRAUDULENT COLLECTION - Collecting $500/year when only $300 authorized - NO valid bylaws support this amount - Using mail and wire to collect - Threatening liens without authority Annual excess collected: $200 × 50 homes = $10,000/year Annual fraud: $120,000 COVERAGE IMPACT: Fraudulent acts exclusion voids ALL coverage III. APPLICATION MISREPRESENTATIONS (Policy Section IX.B) Your application required representations about: A. GOVERNANCE REPRESENTATIONS (Likely Made) ☐ "HOA follows proper governance procedures" ☐ "Board decisions properly authorized" ☐ "Member voting conducted as required" ☐ "Bylaws properly adopted" B. ACTUAL FACTS (Concealed) ☐ NO valid bylaws exist (ZERO voting records) ☐ Board operates without member consent ☐ 97% of board meeting minutes missing ☐ No proper elections documented C. RECORDS REPRESENTATIONS (Likely Made) ☐ "Required records maintained" ☐ "Financial records available" ☐ "Meeting minutes kept" ☐ "Compliance with laws" D. ACTUAL FACTS (Concealed) ☐ 97% of minutes missing/destroyed ☐ ZERO voting records exist ☐ 85% non-compliance with records laws ☐ Systematic destruction/concealment These misrepresentations are material because: - You would not have issued the policy - Premium would have been different - Coverage would have been excluded - Application fraud voids policy ab initio COVERAGE IMPACT: Policy voidable from inception IV. FAILURE TO REPORT WRONGFUL ACTS (Policy Section VII.A) Policy requires notice within 90 days of discovering wrongful acts. UNREPORTED WRONGFUL ACTS: 1. April 26, 2023: Fake bylaw adoption (600+ days ago) 2. June 26, 2023: False resolution (550+ days ago) 3. 2018-Present: Missing financial records (2,000+ days) 4. 2020: Entire year of records missing (1,800+ days) 5. July 30, 2025: Records request violations (120+ days) The insured knew or should have known of these acts but failed to notify you. COVERAGE IMPACT: No coverage for any claims V. PRIOR ACTS EXCLUSION (Policy Item 8: 8/9/2021) Wrongful acts predating 8/9/2021: - 2020: Complete absence of records - 2018-2021: Missing financials - 2003-2021: No valid governance - Pre-2021: Pattern of violations Evidence shows systematic violations before prior acts date. COVERAGE IMPACT: Most claims excluded VI. CRIMINAL ACTS EXCLUSION Insured has committed multiple crimes: FEDERAL CRIMES: - Mail fraud (18 U.S.C. § 1341) - 20 years - Wire fraud (18 U.S.C. § 1343) - 20 years - RICO violations (18 U.S.C. § 1962) - Conspiracy (18 U.S.C. § 371) STATE CRIMES: - Theft 1st Degree (RCW 9A.56.030) - Forgery (RCW 9A.60.020) - Filing false documents (RCW 23.95.255) Criminal acts exclusion voids coverage. COVERAGE IMPACT: No coverage for criminal acts VII. BREACH OF CONTRACT - COOPERATION CLAUSE Insured has breached duty to cooperate: - Destroying/hiding records - Failing to maintain documentation - Concealing wrongful acts - Obstructing investigation COVERAGE IMPACT: Coverage void for breach VIII. CYBER LIABILITY ISSUES ($250,000 Coverage) Insured's failure to maintain records creates cyber exposure: - No documentation of data protection - Missing member information - No security protocols documented - Potential data breach liability Your cyber coverage requires compliance that insured cannot demonstrate. IX. EVIDENCE PACKAGE AVAILABLE Complete documentation available at: https://chelanvistaheights.com Includes: - 56 HOA-provided documents - Financial records showing fraud - Analysis of violations - Your complete policy document - Timeline of criminal acts X. DAMAGES AND EXPOSURE CURRENT CLAIMS POTENTIAL: - 50+ homeowners preparing lawsuits - $24,952 per homeowner claimed - Total exposure: $1,247,600 - Criminal prosecution pending - Regulatory investigations active YOUR POTENTIAL LIABILITY: - D&O limit: $2,000,000 - Cyber limit: $250,000 - Defense costs: $500,000+ - Bad faith exposure: Unlimited XI. REQUIRED INSURER ACTIONS Under Washington law and policy terms, you must: 1. IMMEDIATE (Within 24-48 hours): - Issue reservation of rights - Begin fraud investigation - Preserve all records - Notify reinsurers 2. WITHIN 10 DAYS: - Demand complete documentation - Interview insured under oath - Review application file - Determine coverage position 3. WITHIN 30 DAYS: - Complete investigation - Make coverage determination - Consider rescission - Report to regulators if warranted XII. REGULATORY NOTIFICATIONS Consider reporting to: - Washington Insurance Commissioner: 800-562-6900 - National Insurance Crime Bureau: 800-835-6422 - State Attorney General: 800-551-4636 XIII. CONCLUSION The insured operates as a criminal enterprise, has committed systematic fraud, made material misrepresentations in its application, failed to report wrongful acts, and breached multiple policy provisions. Coverage should be denied for all claims, and the policy should be rescinded ab initio. Time is critical as new claims are imminent and criminal prosecution is likely. Your immediate investigation will protect your coverage position and avoid bad faith claims. I am available to provide additional evidence and testimony as needed. Sincerely, [YOUR NAME] [YOUR ADDRESS] [YOUR PHONE] [YOUR EMAIL] HOA Member and Crime Victim cc: Washington Office of Insurance Commissioner 800-562-6900 www.insurance.wa.gov/complaints cc: National Insurance Crime Bureau 800-TEL-NICB cc: Chelan Vista Heights HOA Board (Notice of coverage issues) ENCLOSURES: ☐ Evidence links ☐ Timeline of fraud ☐ Financial documentation ☐ Board minutes ☐ Analysis reports NOTICE: This communication may trigger immediate policy implications. Failure to promptly investigate may constitute bad faith under Washington law.