In court, Raul claimed
that this was an electronic Signature as
well as it being an Annual Required
Minimum Distribution as if it were
a retirement fund. When asked
about the second letter of instruction for
$15,000, his statement first statement was,
"oh but it wasn't paid" and then he
said "I must have done it by mistake".
When you talk a signature and scan it into a
computer, then print out the signature
pretending to be that person and place it in
a Letter of Instruction, put it in the mail
and send it to a bank, it's my
understanding that it is forgery, bank fraud
and mail fraud.