www.stopzions.com is a Web Site to Stop Zion's Bank Merger Monopoly
The SEC did an Investigation & Found FRAUDULENT Financials which Stopped the Highly Publicized Merger with First Security. More Recently Zions Money-Laundered 12.3 Billion Dollars to Mexico!

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StopZion Bridgingtruth Citiesofpeace

The audit continues due to long-practiced irregularities including double books and suspicious loans in Zions banking practices with monies money laundered in approximately nine million increments to Mexico for speculated drug activity.

Feds slap Zions over billions in illegal money transfers

By Paul Beebe

The Salt Lake Tribune

Published: February 12, 2011 09:15AM Updated: March 22, 2011 11:37PM

Two federal agencies have slapped Zions Bank with multimillion-dollar civil penalties for failing to monitor suspicious wire transfers of billions of dollars related to transactions that may have involved drug trafficking and other crimes. The Office of the Comptroller of the Currency on Friday said it imposed an $8 million penalty against Zions for shortcomings in its anti-money laundering controls — violations of the Bank Secrecy Act and the USA Patriot Act. The Financial Crimes Enforcement Network — a Treasury Department agency involved in fighting money laundering — also fined Salt Lake City-based Zions $8 million but said the government would be satisfied by a single payment of $8 million. “The bank is supposed to file suspicious activity reports if they find suspicious activity, and the bank failed to file those on a timely basis,” OCC spokesman Dick DeBuck said. “The regulations also require the bank to monitor this wire activity, and the bank did not do that, either.” Zions did not admit or deny the allegations spelled out in separate documents issued by the OCC and the Financial Crimes Network. In a statement, CEO Scott Anderson said the bank takes “very seriously our obligations to comply with federal laws and regulations, including the Bank Secrecy Act.” Anderson said Zions has closed down the business unit handling the money transfers and has been cooperating fully with regulators. “Over the past three years, we have employed considerable resources bankwide to significantly enhance our systems designed to detect and report potentially suspicious activities,” Anderson said in the statement. The OCC said Zions had developed a “remote deposit capture product” that allowed customers to deposit imaged financial documents such as checks into accounts in Mexico and other countries from “remote” locations, ostensibly in the United States. The product was marketed to “high-risk customers” in 2006 and 2007 “without sufficient regard to (Bank Secrecy and Patriot Act) compliance implications,” the OCC said. The Financial Crimes Network said Zions failed to report 132 cases of suspicious activity that represented more than $12.3 billion. “These suspicious activities involved, among other things, sequentially numbered travelers checks, possible black market peso exchange, transactions involving entities and accounts alleged to have been involved in drug trafficking activities and unusual wire transfers,” the Financial Crimes Network said in a document released Thursday. The agency said Zions processed money transfers that indicated patterns commonly associated with money-laundering, such as the nature of the business, originators and beneficiaries in “high-risk” locations and lacked any apparent business or legal purpose. DeBuck said the OCC discovered the violations during examinations of the bank. But an OCC statement said the bank later conducted a voluntary assessment of its “foreign correspondent business” after shutting down the unit. Zions then reported suspicious activity to the agency. According to the Financial Crimes Network, Zions filed 20 reports of suspicious activity after the review. The transactions involved in the activity totaled $11.5 billion, according to the network. “With these actions, we are sending another strong message that banks need to be vigilant and ensure that they have effective anti-money laundering programs in place,” John Walsh, the OCC’s acting director, said. pbeebe@sltrib.com © 2011 The Salt Lake Tribune Zions

Merger: Getting Stung Within the Hive

by tommy kirchhoff, 7-5-2000  (writer for Wild Utah  http://www.wildutah.net)

It started on June 6th of 1999. Zions Bancorp and First Security Corp. announced to the world their "merger of equals." The two largest banks in the state would merge to form a $40 billion western banking superpower right here in the heart of Utah. Both banks began an immediate campaign to convince Utah residents that the move was good for the state's economy.

The merger's principle object was "to enhance the prospects of Utah remaining the headquarters of a major financial institution." It stated how a financial force of this magnitude would keep Utah on the financial map, and provide benefits such as job creation, business formation, financing, commercial development and leadership in charitable, civic, cultural, educational and social organizations. Mormons helping Mormons. Isn't that the Mormon way buzz, buzz?

But a good lot of Utahans disapproved. Utah residents like Joseph Stumph of Salt Lake and Rich Valgardson of Provo felt the merger would create a devastating monopoly. After experiencing the Mormon cannibalism of Zions Bank, these residents envisioned a single bank dominating Utah's finances-snuffing medium and small family businesses. They figured that once amassed with market value, the new bank would continue to invest in places like California and Colorado, but leave Utah businesses off its Christmas card list.  


Valgardson and his constituents (Joseph Stumph) formed the Opposition Coalition, and retained attorney George Allen as their champion. A veteran of big-case battle, Allen filed a complaint in U.S District Court in September of 1999 pursuant to the Sherman and Clayton anti-trust acts. Unusual to this type of case was the issue of Religion, Culture and Perception. Allen's complaint raised the issue of Mormonism, and its effect on Utah's economy with this merger.

The complaint stated that a history of disputes and controversies was born in the 19th century between Mormons and non-Mormons, and that seen from outside the state, the fabric of Utah's legal and business communities is woven by LDS Church members. In Allen's words, "it is a fact of life in terms of the perceptions beyond Utah's borders that a non-LDS Church member may be disadvantaged in business dealings in Utah. That perception…constitutes a barrier to market entry as real as a mountain range."

Soon after filing, David Valgardson (Rich's brother) interviewed with his bishop, Craig Carlile in a "Temple Recommend." You see, "Bishop Carlile" is an attorney with the law firm of Ray, Quinney & Nebeker-the primary outside legal counsel to First Security Bank. Carlile told David Valgardson to "stay out" of any activity related to protesting the merger. Rick Valgardson, of course, filed all of this info neatly in his affidavit to the U.S. District Court.

With the LDS powers that be buzzing heavy on Mormon ears, the Opposition Coalition laid down the big bucks for expert witness, Dr. Kenneth Thomas of the Wharton School. Thomas systematically milled through every document on both sides, and measured the potential for monopoly on several, banking-industry standard indices. Thomas determined that this merger did indeed violate the Sherman and Clayton Antitrust acts, and that the influence of the LDS Church fueled the monopoly even more. After all, buzz, buzz, Mormons do business with Mormons. That's the Mormon way, buzz, buzz.

Allen began to brainstorm the problem of public visibility, and came up with a revolutionary idea. He needed an easily updated, information archive for anyone to access the anti-merger point of view. Allen saw a "case website" as his Excalibur. Thus, StopZions.com was born.

Allen worked with Utah Internet Resources, Inc. (UIRI)-a small corporation with a big interest in healthy Utah business environments. UIRI picked up the ball and began to run. The company created the website and updated it at every hiccup.

By October, the StopZions.com web statistics were surging ahead. The site was getting upward of 1500 hits per month; but more importantly was WHO. First Security Bank was the number one (recognized) visitor. Number two was the U.S. Department of Justice with 469 hits in October alone. BYU, Utah State, Bank of Utah, the SLOC, and the Deseret News all seemed to stop by every day. The StopZions bulletin board became the hottest, most embarrassing topic of conversation. People threw dirt at the merger like a fresh pile of dog crap.

For the next five months, the battle raged on. Most Utahans just assumed the merger was inevitable. They had seen the power of the LDS, and wouldn't dare fight those forces; but in this case, who was the good Mormon? Worthy Mormons were reading the seemingly anti-merger business section of the Deseret News (wholly owned by the LDS Church); on the other hand, Gordon B. Hinkley was once the Chairman of the Board at Zions Bank. "What does the Church really want me to do, buzz, buzz?"

StopZions.com blew the top off the thing. The Fed, the FTC, the DOJ, FDIC and the State of Utah hit the site a lot. Tons of banks, including Japanese, British and international investment banks like Nomura Securities and Warburg Dillion Read, banged on the site. Corporations like BM, Motorola, Deloitte & Touche and Ernst & Young became almost bloodthirsty for the knowledge of what StopZions.com had to tell. The frenzy of business education roared as more than 15 major universities seemed to be using the website as a virtual classroom. By the end of February, investment analysts were e-mailing and calling Utah Internet Resources, Inc. almost every day. All told, almost 75,000 hits were struck upon StopZions' server.

Through January and February of 2000, First Security stocks held in the steady mid-twenties. Then, on the March 3rd, it happened. Ticker symbol FSCO closed at a pathetic 13.9. Zions, too, was chainsawed in the market. By March 15th, FSCO dropped to 11.25. First Security stockholders had lost $2 billion in market value in two weeks. Goldman Sachs & Co., the deal's broker, withdrew its recommendation of the merger. There were implications that Zions caused First Security share prices to drop, and rumor that an intervening SEC would begin to kabosh the merger on the basis of insider trading, etc., etc., …but who knows? (The SEC did an audit and found fraudulent banking practices at Zions including double books! So much for "being honest in your dealings" by church leaders who sit on Banking Boards and direct thefts of rich member's assets due to the satanic blood oath consecration of "all your time, talents, and all that ye do posses to the church" and NOT even to God)

On March 31st, 2000, the Zions shareholders voted overwhelmingly to reject the merger with First Security. Wells Fargo didn't waste any time to make an offer on the wobbly-kneed First Security. We don't know how the rest goes yet. Nothing's written in stone.

But if you want to check out the whole story, with all the grit you can muster, check out www.stopzions.com.

Thursday, May 7, 2009
US Attorney General Eric Holder Jr.
Washington DC
You need to sit down with Senators Harry Reid and Orrin Hatch and ask why they are required to blindly follow the Mormon Prophet/Profit in matters dealing with controlling all members of that faith. Mormons are excellent business executives because they have been taught since they were little children that they are very special in the eyes of God. Mormons can justify anything because of this life-long brainwashing technique, introduced to them through a LDS Temple requirement to give everything to the “church”. Modern day Mormonism set the pattern for all paid clergy to control their masses throughout the USA and now the world. It all began back in April, 1960 when the Mormons accepted the slogan, EVERY MEMBER A MISSIONARY. You are doing something which is very unique. You are listening to all Americans because you and President Obama come from a minority group and you want openness to prevail. The best part in your attitude comes from the New Testament, John 8:32: “The Truth Shall Set You Free”.
You are cleaning up many secret deals in the US Justice Department by openly talking about it. Thanks for your openness and willingness to let the general public participate. You have thousands of brilliant lawyers with the new directive to communicate with Congress and various groups seeking full-disclosure so they can understand why Assistant Attorney General Jay Bybee justified torture through a written opinion. The Democrats in Congress want to know everything about the corrupt Republican Executive Office. The Republicans in Congress and national radio talk hosts protected these “secrets” through lots of payoffs through advertisers and sponsors, worth Billions to them. ATLAS Cities of Commerce (“ATLAS”) discovered secret meetings in Salt Lake City, commencing in 1987 when Congress pass the law allowing Utah Corporations to act as unregulated banks. This was specifically set up for the CIA to bring in covert operations (drugs, sex, money-laundering cartels) and invest in the stock market, real estate ventures, corporate US ventures in globalization (One World Order, All Is Well In Zion).
ATLAS discovered US Senator Harry Reid (Nevada) and US Senator Orrin Hatch agreed to work together in picking the candidates for the November, 2008 presidential election. The funding for the initial public relations for introducing these two unknown candidates (Barack H. Obama and Mitt Romney) back in 2006 was Zions Bancorporation in Salt Lake. Both Mormon Senators are very faithful to the York Masonic (British Crown) secret society.  Large stockholders in the Utah banking empire of the Mormon leaders were recruited to support these two individuals: Shawn Hannity for Romney and Warren Buffet for Obama. Unexpectedly vast Conservatives in the Republican Party quickly removed Romney (member of a cult) and settled in having Alaska Governor Sarah Palin (who grew up in Idaho and knew how corrupt the Mormon leaders are) represent the true conservatives.  Her participation almost won the election for the Republicans.
The following is an exact example how corrupt Banking and Corporate America became through secret deals through the stock market and the more than 50 Utah industrial loan banks ($Trillions in assets). CIA funds for certain stocks can make or break a public company. Bribery and/or sex benefits on a few corporate leaders can destroy a whole business. The Mormon controlled CIA then comes in and buys it up for pennies. This is what Mitt Romney (CEO of Bain & Company)did before he was elected Governor of Massachusetts, a Catholic dominated state. The Vatican, Freemasons and Mormons are very powerful in the One World Order agenda, removing sovereignty in all nations, small and large – especially the Protestant Majority in the USA.
Precasting homes and offices has been a Kanco Energy, Inc. research operation since the 1980s with great success. Homes are be put up by a family and neighbors in just a few days with heavy equipment needed. Offices, up to four stories, are easy projects to construct: 
For years Zions First National Bank has attempted to steal every Kanco idea and concept, like the above operation in Salt Lake City. Many pre-cast offices and buildings were built through the Don Johnson architect team located in Bountiful, Utah back in the 1980s while Kanco was front-page news all over the world in mining and energy resource acquisitions. Then in 2002 Young Living Essential Oil Founder, Gary Young, attempted to steal this technology through his wife, Mary (Kanco Board Member) through illegal wiretapping with the State of Utah Attorney General’s Office and Zions Bank. They were exposed after they attempted to bribe Don Johnson through an illegal circumvention attempt. Currently Gary Young is in Ecuador because he has attempted to steal lots of technologies and health processes from others and makes unwarranted health claims as an expert. Gary has a criminal record. 
Kanco Stockholders Joseph P. Stumph and Richard Valgardson (Steve Davis’ cousin) sued Zions Bancorporation in 1999 to stop their monopoly attempts to control eight western state banking operations in the acquisition of First Security Bank. Warren Buffett had to regroup, again.
Warren Buffett’s Berkshire-Hathaway Inc. is a major stockholder in Zions Bancorporation and acquired Salt Lake base R. C. Willey Home Furnishings http://www.rcwilley.com stores in 1995 to infiltrate Kanco’s technologies in pre-cast home building. After Gary Young’s failed attempt to destroy Kanco in 2003, Warren Buffett acquired Clayton Homes, Tennessee for $1.7 Billion.
Clayton 'i-house' is giant leap from trailer park
KNOXVILLE, Tenn. (AP, May 7, 2009) – From its bamboo floors to its rooftop deck, Clayton Homes' new industrial-chic "i-house" is about as far removed from a mobile home as an iPod from a record player.
Architects at the country's largest manufactured home company embraced the basic rectangular form of what began as housing on wheels and gave it a postmodern turn with a distinctive v-shaped roofline, energy efficiency and luxury appointments.
Stylistically, the "i-house" might be more at home in the pages of a cutting-edge architectural magazine like Dwell — an inspirational source — than among the Cape Cods and ranchers in the suburbs.
The layout of the long main "core" house and a separate box-shaped guestroom-office "flex room" resemble the letter "i" and its dot. Yet Clayton CEO and President Kevin Clayton said "i-house" stands for more than its footprint.
With a nod to the iPod and iPhone, Clayton said, "We love what it represents. We are fans of Apple and all that they have done. But the 'I' stands for innovation, inspiration, intelligence and integration."
Clayton's "i-house" was conceived as a moderately priced "plug and play" dwelling for environmentally conscious homebuyers. It went on sale nationwide Saturday with its presentation at the annual shareholders' meeting of investor Warren Buffett's Berkshire-Hathaway Inc. in Omaha, Neb.
"This innovative 'green' home, featuring solar panels and numerous other energy-saving products, is truly a home of the future," Buffett wrote his shareholders. "Estimated costs for electricity and heating total only about $1 per day when the home is sited in an area like Omaha."
Maryville, Tenn.-based Clayton Homes, acquired by Berkshire-Hathaway in a $1.7 billion buyout in 2003, delivered 27,499 mobile or manufactured homes last year, a third of the industry total. Kevin Clayton thinks the "i-house" very quickly could represent more than 10 percent of its business.
"I think in 12 to 18 months it is possible," he told The Associated Press. "That is a lofty goal, but it is very possible. Retailers are saying they want the home on their lots tomorrow. I know the demand is there. How fast we capture it is really just determined by how affordable we can make it."
Clayton Homes plans to price the "i-house" at $100 to $130 a square foot, depending on amenities and add-ons, such as additional bedrooms. A stick-built house with similar features could range from $200 to $300 a square foot to start, said Chris Nicely, Clayton marketing vice president.
The key cost difference is from the savings Clayton achieves by building homes in volume in green standardized factories with very little waste. Clayton has four plants in Oregon, Tennessee, California and New Mexico geared up for "i-house" production.
A 1,000-square-foot prototype unveiled at a Clayton show in Knoxville a few months ago was priced at around $140,000. It came furnished, with a master bedroom, full bath, open kitchen and living room with Ikea cabinetry, two ground-level deck areas and a separate "flex room" with a second full bath and a second-story deck covered by a sail-like canopy.
"It does not look like your typical manufactured home," said Thayer Long with the Manufactured Housing Institute, a Washington-based group representing 370 manufactured and modular home-building companies.
And shattering those mobile home stereotypes is a good thing, he said. "I think the 'i-house' is just more proof that the industry is capable of delivering homes that are highly customizable at an affordable price."
The "i-house's" metal v-shaped roof — inspired by a gas-station awning — combines design with function. The roof provides a rain water catchment system for recycling, supports flush-mounted solar panels and vaults interior ceilings at each end to 10 1/2 feet for an added feeling of openness.
The Energy Star-rated design features heavy insulation, six-inch thick exterior walls, cement board and corrugated metal siding, energy efficient appliances, a tankless water heater, dual-flush toilets and lots of "low-e" glazed windows.
The company said the prototype at roughly 52,000 pounds may be the heaviest home it's ever built.
The final product will come in different exterior colors and will allow buyers to design online, adding another bedroom to the core house, a second bedroom to the flex room or rearranging the footprint to resemble an "L" instead of an "I."
"We thought of this a little like a kit of parts, where you have all these parts that can go together in different ways," said Andy Hutsell, one of the architects.
Susan Connolly, a 60-year-old accountant who works from her conventional Knoxville home, hopes to be one of the first buyers. She's seen the prototype and has been talking to the company.
"I have been interested in green construction and the environment in my own personal life," she said. "It is nice to have a group of people that have thought of everything. Where you don't have to shop around and go to different places ... to find the products you want."
"I think it is smart. It is fresh. It is kind of hip for a new generation of green-thinking homebuyers," said Stacey Epperson, president and CEO of Frontier Housing, a Morehead, Ky.-based regional nonprofit group that supplies site-built homes and manufactured housing, including Clayton products, to low- and moderate-income homebuyers.
"You know a lot of people don't see themselves living in manufactured (housing), but a lot of those people would see themselves living in an 'i-house.' I could live in an 'i-house,'" she said.
"Are we repositioning to go after a new market?" Nicely said. "I would think we are maintaining our value to our existing market and expanding the market to include other buyers that previously wouldn't have considered our housing product."
The company sees the "i-house" as a primary residence — three developers already have inquired about building mini-developments with them — that also could appeal to vacation home buyers.
Brian McKinley, president of Atlantis Homes of Smyrna, Del., a manufactured-home dealer that sells Clayton and other brands, said the "i-house" resembles high-end custom homes he sees along the Delaware-Maryland shore.
It represents a "new direction and an innovative application for what our industry can do," he said.
"I think there is a market," McKinley said. "The challenge is to find that market and then will they visit this home at one of our traditional factory-built home centers. I think they (Clayton) want to find that out, too."
Clayton Homes "i-house" tour: http://www.clayton-media.com/ihouse/
We have learned that we should rarely use cell phone when we’re conducting Kanco businesses throughout the world. When you served on the Kanco Board of Directors you always carried a cell phone to all of our meetings. Did you or others do this to secretly tape our meetings and activities? We have reasons to believe information was illegally acquired by Zions First National Bank. My father H. Clyde Davis informed us of the corruption against us from LDS leaders guilty of stealing Kanco vast assets. It is evident how easy our Kanco meetings were illegally wiretapped. We believe it was accomplished through the following technologies (five minute special report):
 It is a fact that Gary Young and Wade S. Winegar, the Young Living Essential Oils corporate attorney (former Utah Attorney General’s Office) circumvented Kanco’s Bibleland design that we had the Famous Book of Mormon artist design for us back in 1971. After we caught you back in 2003, you resigned and fled even after Kanco stockholder Sharon H. Cook did extensive design work for your company's independent agents.
We believe Gary Young cut a secret deal with Zions Bancorporation, Warren Buffet, Governors Mike Leavitt and Jon Huntsman Jr. to illegally wiretapped all cell phones of Kanco stockholders, board members and officers, even friends and associates. It was initially called the Matrix System.
This week we talked to the Dr. Kevin Paul Price PhD, brother-in-law to D. Gary Young’s brother, Dana Clay Young. Dr. Price is a professor at Kansas State and Kansas universities. Dr. Price tells us Gary Young has fled the US and is living in Ecuador. Mary Billiter Young owns everything in Young Living Essential Oils because of the criminal record of Gray Young had as a con-artist. 
Sincerely, ATLAS Cities of Commerce, the largest Kanco stockholder

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