FILED BY ' D,C,

september21,2020

RE:sEcvs.completeBusinesssolutions,dal. SEF 25 2222

ANGELAE.NOBLE

CLERKU.S,DISIcl

s.D.OFFG .-FILAUD.

HonorableJudgeRuiz,

1am writhlgthecourttodaytoexpressmyconccrnaboutmanyfacetsofthiscasethatIfeelaregross

miscarriagesofjusticeasitpertainstothedefendantsinthiscasc,butspecitkally,A BetterFinancial

Plan(ABFP).

HavingworkedatABFP for-3years,atldilthefmancialservicesindustryfor25years,1cansaywith

theuu ostconfidence,thatABFPhasalwaysputtheirclientsattheforefrontandhasalwaysstrivedto

dotherightthingbythem,always.AsalicensedRegisteredRepresenltiveforover20+years,Ihave

neverhadsomuchasasmudgeonmylicenseandhavehadzerodisclosuresthroughoutmycareer.W hy?

Because1havealwayssGvedtodotherightthingformyclientsandtheirfamilieswhohaveentrusted

mewiththeirhardearnedmoney.n atsaid,whenIjoinedABFPthreeyearsago,ahugtpartofmydue

diligencewastomakestu'etheytoosharedsim ilarvaluesandstrivedforexcellencewhiledoingrightby

thosewhotheyserved.Needlesstosay,1wasmoretIZaIAimpressedwiththewayABFPconductedtheir

busincss-withhonesty,transparencyandhighmorals.1waseagertojoinsuchafantasticcompany

withalonghistoryofsuccessandcllentsatisfaction.

PriortotheactionsbroughtforthbytheSEC inlateJuly2020,notasingleclientofABFP,whohad

ilwestedintlw M CA throughPar,hadlos4apermy.Ithinkthatiswelldocnmcnted.AsCOVlD-19

reareditsuglyheadbackinM arch2020,itcausedaripplethoughPar'sbushlessandhinderedtheir

abilitytomakegoodontheirnoteobligations,andforgoodreason,sinceasir ificantportionoftheir

merchantswereforcedtotakepauseorclosecompletely.Asweal1know,Parrestructuredthosenotesin

ordertocontitmepaylgRsome''interest,albeitatasmallerpercentage,butinterestnonetheless.'Ihey

couldhavcveryeasilycloscdupshopandmovedacrosstlw skeetundcradiflkmntname,andlegally

theycoulddothat.However,tlzeywereintentonmakinggoodontlmirobligationsviaareskucturing.

Utlmtiltheactionbroughtforthbyth:SEC,Parhassttedtheywerecolectingroughly$1-1.5

mlllion/dayfrom tlwirmerchants.A farcrybetterthnnthoseeflbrtsyieldedbackinM archwhentheir

collectioncffoltswerepracticallynothing.Assllmingthat'saccmute,simplemathwoulddictate,basedon

theaforemcntionednlmbers,thattlmycouldreasonablyexpecttocolectroughly$30-$40milioneach

month!GiventhefactthatParowesroughly$365millontohwestors,thiswouldhaveallowedthem to

collectthetotlamotmtowedinlessth= oneyear-thatis= t11,theSEC decidedtoceasetheir

operationswhichhasdontsi> itkantlymoreharm tohwestorsnow thananythingtheyprofesstoclaim

otherwisetothiscourt.'Ihisisafact.

TheSEC hasthesoleresponsibilityofprotectinginvestors,period.n eyenforcetherulesof1aw around

thesectritiesindustryhzordertodoso.Theakocitiesthattheyhavematriculatedinthiscasehav:done

tlw completeoppositeofprotectinginvestors,completely.Youhadinvestorsreceivingmonthlyinterest

payments,yesmayb:toalesserdegreeshlcethepandemicthm1initially,butinterestnonethelessandnow

they'regetthlgnothing.M anyofotlrinvestorsreliedonthosepaymentsfordailylivingexpenses,

supplemenulincome,colegesavings,andthelistgoeson.Now,asaresultofthealpationsbythe

SEC,thesehwestorsaregettingZERO lterestandhavenoideawhentheywillseethelrplincipal

rettmled.Pleasetdlmehow thatisprotectinginvestors? Additionally,theSEChasrepeatedlystated

theyhavenoissuewithotherinvesu ents/ftmdsadministeredbyABFP,yetthoseinvestmentsareowned

andoperatedbyaparententitywhichthey'veputirlreceivership,soeffectivelytheyARE completely

affected,furtherhnrmingevenmorehwestorswhoaren'tevenintheParfimds.

Case 9:20-cv-81205-RAR Document 287 Entered on FLSD Docket 09/25/2020 Page 1 of 4
TheReceivcrshipitlthiscasthasn'tdoneanyfavorsforanyonedther.Itboggltsmymind,andIknow

tlm mindsofmanyothers,how theSEC cannm toacourtof1aw withnothingbuthtpchesandtmproven

allegationsandisawardedwiththeimplemenhtionofaRcceiver.Asabasisforcomparison,W ellsFargo

wasbroughtuponchargesjustacoupleofyearsbackforopeningfalseaccotmts,usingfictitiousnames,

namesofexistingclient'sllnknowingly,movingmoneyaroundsaidaccotmts,etc.andtheydidn'teven

getaRcceiverappohted!How aRecdverwasacceplblehereasitpertainsspeciticallytoABFP,is

preposterous.ABFPisasmallbusinessandevtnthemostelementaryaccolmtnntcanquicklyandeasily

seethcrewasnomalfeas>ce.Nottomention,thereceiverisbmsicalyiynoringABFPandfocusing

solelyonPar.Theyhavencglectedotlrbusinessandhavenoideawhatltentailstonm it,yettheywerc

appohtedtodojustthat.Themostamazingpartofthisreceivershipisthatwearenow almost8weeks

intothisandtlw rcceiverhasn'tevenreachcdouttoDean,ABFPemployees,dc.toevendiscusswhat

transpired,8weeks!Thisreceivershiphascompldelydestroyedthelivelihoodsofhwestors,employees,

andbusinesses.n ere'snootherwaytolookatitandnooneisdoinganythingaboutit.And

why...becausttheoverreachingarm oftheSEC Kthinks''theymayhavesomething.

Pleasetellmehow anyone,inthiscasetheSEC,cancompletelyshutdownathrivingbusiness:severely

negativelyimpacthwestors,deskoyjobs,etc.bascdonaseriesofhunches?lstherenosuchtlungasdue

processîW hateverhappenedtoLGinnocentuntilprovenp#/@?''Thisisakintoputtingsomeoneinajail

cellandthentellhv them thatyourflrstgohlgtogos:eifyoucandiscoversomethhlgtheydidwrongin

aneForttosubstantiatewhqyouputthemthere.Thisisabsolutelythesamething.lfthereisanything

criminalinallthis,thisisitm myhonestopinion.TheSEC statedthatthisisGlustasimpleccNeof

misrepresentationsandomissionsandunregisteredsecuritiesoyerings''m E2611.1meanREALLY?lf

that'sthecase,doesthatwarantshuttingdownacompanyfortheforesecablefuture,fring15employees

illapandemic,andleavingmoretmcertaintyandpanicamongsthwestorsthaneverbefore?lt's

tmfathomableandfm nkly,ridiculous.lguesswhenyou'retheSEC aldhavenoonetoanswerto,youcan

dowhateveryouwantwithoutconsequencc,allwhiledeskoyinglivesalongtheway.

ThemosthnportantaspectofotlrbusinessatABFP,wastherelationshipsandrapportwehadwithotlr

clients.Theya11knew ournames,ltnew ourfamilies,knew aboutotlrdesiresandgoals-thevelysame

waywedidabouttlwirs.0. relationshipsyoucmlsay,weresomewhatfe ilialwithotlrclients.W :also

pridedottrsdvtsonclearandconslntcommlmicationwitholzrclients.Nobodywmltstoconstantly

wonderwhat'sgoingonmespeciallywhenitcomestotheirmoney,andwecouldn'thavebeenmore

sensitivetothat.ConKtlmtly,andwithoutfail,wealwaysproactivelycommunicatedwithourclients.

Shzcethis'lnnecessaryrtcdvershiphascommenced,wehavebeenlockedoutofotrom ces,hadour

emailsshutoftllostaccesstoourCRM,hadotlrrepuàtionsdestroyed,andareprohibitedfrom contacting

clients-consequentlycausingpanicandsleeplessnightsamongotlrùwestorsandemployees,and

rkhtfulyso.It'sexcessiveandseverelyinappropriatebasedonacivilsuitthatis,again,Gqustasimple

caseofmisrepresentationstZAIJomissionst7atfunregisteredsecuritiesoyerings''EDE2611.

Someofotlrilwese entsovertheyearshaveperformedbetterthanothers,butncver,andlmcannever,

hasthereeverbeenanyallegationaboutthemisappropriationofmoney.KeepinmindatheStatcofPA

BnnkingCommissionandtheSEC outofNY Stateconcludedathree-yearinvestigationmereDAYS

priortotheSEClilingsuitinthiscase.Theyfoundnothingeitherwithregardstomisappropriatedflnds,

malfeasance,etc.Theytoohadsolelyarcgiskationissueandhandledithow anycaseshouldbehandled,

notlikethisone.How onehanddoesn'tspeaktotheotherwithinthesameorganizationisrather

perplexing,butm oreoverconcerning.

Nowthattherehasbeenajointfilingsubmittedtothecourtasitrelatcstotheschedulingofatrial,its

becomeclearthatthiswillllnnecessarilydragonforanotheryem'orso.Unless1'm interpretingthis

incorrectly,thatmeansABFP,itwestors,employees,etc.havetojustwaitforthattocommencebefore

Case 9:20-cv-81205-RAR Document 287 Entered on FLSD Docket 09/25/2020 Page 2 of 4
gettinganysemblanceoftmderstandingastohow thisplaysoutandwhatitmeansforthem?Again,what

atravesty.

Inmyopinion,theSEC hasalreadywonthiscase.TheyhavedeskoyedABFP,a17-yearoldthriving

business,draggednamesthroug,hthemud,andcausedmuchv eattruncertaintyamongstinvestors,etc.

EvenTABFPweretoprevailitlthiscase,pleaseexplainhow itssupposedtojustpickupwhereitleRoff

andcontinuenlnninjthebusiness?Abusinessmindyou,thatiscompldelyreliantonintepity,trustand

morality-a11ofwhlchhavebecnskippedawayasaresultofthis.Additionally,thiscasewmssupposed

tobeundersealinitially,which1assumewastotryatldavoidthiqdtvashtion.However,ducto

someone'sincompetence,itwastmsealed.Thatasweallknow,has1edtothenationalmediapickingup

thestoryandincessantlywritingaboutityalbeitwithnegativeovertones,inaccmateinformationmand

deliberateomissionsinordertospintlmirstory.'l'lw headlinesalon:wouldmakeanyhwcstornlnforthe

hills,andthatsevenbeforeanythinghasbeendetermined,anyonechargedwithacrinw,oranyrulinghas

bcenhandeddownbyacom't.Butagain,doesitevenmatkrwhatthecourtrules,orhow tlw SEC or

ABFPfairina1lthis?'I'heansweriscmphaticallyNO.'lhedamageisdoneandH eparableinmyopinion,

soagain,theSEChasalreadyachievedtheirgoalbasedsolelyonallegations.

Myonlyhopeitltlzeshortterm,isthatweatABFPcangetbackintheofficeandgdbacktowork

immedlatelybycateringtootlrclientsinthenon-receivershipentities.'Ihelongerthispcrsists,it'smore

nailsinthecoffm foreverm neinvolved.W eputam anonthemoon,butareceivercan'tassesswhat's

goingoninals-personcompanyinalmosttwomonthsinordertoalowusbackinthèomcetorlnthe

mvestmentstheSEC claimstheyhavenoissuewith?Itslikenoonecares.1hopethat'snotthecase,but

muchtomydismay,itsceminglyis.

Inconclusion,lwanttosincerelytllnnkthecourtforitstransparency,clearexplanations,tmbiased

perspective,andfairrulingsO oujhoutthiscasethusfar.Ithinkthereisnoquestioneveryonehwolved

feelssimilarly.Itismyhopethatmvestorscangetrepaidwhatthey'reowedexpeditiouslyandwithout

anyfurtherunneccssmy delays,sincethisisthemostimportantaspectofthiscaseinmyopinion.lalso

praythatwecangd backinotlrom ceandmanagethoseclientsatldinvcsu entsthatsodesperatelyneed

ourattention.It'sashamewhat'stranspired.'Ihankyouagainforyotlrtime.

Sincerely,

k '

JasonZwiebel

Case 9:20-cv-81205-RAR Document 287 Entered on FLSD Docket 09/25/2020 Page 3 of 4
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Case 9:20-cv-81205-RAR Document 287 Entered on FLSD Docket 09/25/2020 Page 4 of 4