I sent this email 45 minutes before I began my public demonstration.

Community did not respond to the email.

In 45 minutes our conflict will turn into a marathon People

ROBERT WHITE <joelywhite@yahoo.com>

To

Robert Alan Byrd

Feb 23 at 9:14 AM

If you have an idea to bring closure to our dispute, I will listen.

Best Regards

Joely White 228 323 0692

Below is Community response to Trade my First Amendment right for their Statute of limitation defense.

Robert A. Byrd <rab@byrdwiser.com>

To

'ROBERT WHITE'

Feb 22 at 5:37 PM

Mr. White. Your “offer” is declined. The Bank and David Hughes will seek all appropriate legal

remedies if you persist with your libelous and slanderous diatribe. Bob Byrd

I sent the letter below 24 hours before my public demonstration.

Dear Mr. Byrd

On February 15 I attempted to schedule a meeting with you, that you declined. I suspect if I were a lawyer you would have accepted the meeting. Earlier in the week, you claim your server was down for your reason for not responding to my emails, so much for smart phones. This week I have sent you several emails which you have failed to reply. The contents of this email requires immediate attention and time is of the essence. I hope you are not bothered that I sent the email directly to Eric, Mike and David just in case your server is down again. My offer: Community Bank’s Motion to Dismiss for Statute of limitations, compel to arbitration, and delay foreclosure of Largo Plaza until a jury hears the merits of my case in exchange for the exercise my First Amendment right of the Constitution. If Community Bank is going to hide behind statute of limitations and arbitration, I will use my First Amendment right of the Constitution to expose the shady dealings and injury I have suffered for 9 ½ years at the hands of Community Bank.

Arbitrators are normally a lawyer or retired judge. My peer group is not composed of lawyers and judges. The composition of plaintiff’s peer group is more inclined to fit the profile of an arbitrator. I am not comfortable that justice will be served through arbitration. Therefore I desire a none-bias jury as the trier of fact to hear the merits of my case to render judgement our dispute. For the record I have included email correspondence between Mr. Byrd and I to validate my attempts to Communicate. Sent: Wednesday, February 15, 2017 9:49 AM

To: Robert Alan Byrd

Subject: No response from you regarding 8 emails

this week I have sent 8 emails this week which I have not seen a reply.

Do we have a problem with our communication?

Best Regards Joely White 228 323 0692

To 'ROBERT WHITE'

Feb 15 at 10:22 AM

Because our server has been down for over 48 hours-no e-mails in or out. IT

folks just getting us back on line. I'm trying to catch up.

Robert Alan Byrd

BYRD & WISER

February 15, 2017

Dear Mr. Byrd, Is it possible for you and I to have a meeting February 22, 2017, at 8:30am at your office? Best Regards Joely White February 16, 2017 Dear Mr. White, I am not in a position to meet with you. Bob Byrd February 16, 2017, Mr. White. Community Bank does not agree to engage in any discovery prior to a hearing on our previously filed motion to dismiss or in the alternative to compel arbitration. Bob Byrd February 16, 2017 Dear, Mr. Byrd,

I urge you to reconsider. Do not underestimate me. I am giving you the opportunity to negotiate a settlement. I am willing to meet with you in your office at 8:30am Wednesday February 22, 2017. Make no mistake, You will have remorse if you decline my invitation. Best Regards Joely white Mr. Byrd you did not respond to my emails. Below are 6 methods I will use to expose the truth about my dealings with Community Bank that I will trade for your statute of limitation defense, a jury trial and delayed foreclosure. 1. February 23, 2017, at 10am, I begin a series of 14x48 billboard installation across the coast, starting with the first installation on Hwy 49.

2. February 23, 2017, at 10am a website called www.shadyceo.com will go online to display all documents involved in White vs Community. I believe my case represents what a bank employee should not do. Many people in the banking industry will find White vs Community an interesting read. The counter to the Website is at a 100 because when I edit the website and refresh the page, the ticker goes up one view. More work and content will be added to shadyceo.com soon.

3. February 23, 2017 at 10am, demonstrators carrying the sign below will protest on the east and west bound sidewalks boarding the address 3537 Sangani Blvd Diberville MS 39540. I had planned to go north to Brandon for a week to begin demonstration and yard-sign installation However, 1255 West Government str. Brandon MS, presents the absence of sidewalks that cause a hindrance for public demonstration. 3537 Sangani Blvd sidewalks make for ideal location for organized protest. Until I receive justice, demonstrators will be present at 3537 Sangani Blvd. DIberville MS.

To

JOELY WHITE

CC

Tony Myers Wayne Payne Clay Jones

Feb 14 at 9:21 AM

Mr. White,

I do apologize for taking so long to get back with you I just needed to get some clarification on your request. You will find attached ACLU Regulations for which The City of D’Iberville follows. The city does not require any permits for the demonstration described below. We just ask that no megaphone loud horns or air horns be used during the demonstration. If I can assist you with anything else please do not hesitate to ask.

Sincerely,

Cindy Feranda Planning & Zoning Director City of D'Iberville 10383 Automall Parkway D'Iberville, MS 39540 (228)273-3329 (228)392-9723 Fax mailto:cferanda@diberville.ms.us City of D'Iberville

4. February 23, 10am, Facebook page Shady CEO will go online.

5. February 23, 2017 at 10am, four friends and myself who have an accumulative 6000 Facebook friends will post, “My Story” and Billboard image to their Facebook page.

“My Story”

Does anyone have a better idea how to mount a legal strategy against an opposition that has

unlimited resources and you do not? The method that I'm embarking on utilizes the truth and

the most efficient application of my resources that are available to me. The last legal battle I was

involved in required $200,000 in legal fees. Currently, I do not have that amount of cash to feed

a law firm, so I am going to try something different, publish the truth.

How is justice served anyway when a person has to pay absorbent legal fees to have their day in

court. Our legal system favors the 1%. I hope this website leads to assist another person that

finds themselves in a similar situation. Win, lose or draw, a corporation will make corrections

inside their company when the truth is revealed. Here is "My Story."

On August 16, 2007, I became enslaved to Community Bank the moment I trusted a friend and

Community Bank’s president David M Hughes. Mr. Hughes, a professed “brother in

Christ,” lures victims in by using his marquee sign to quote daily Biblical scripture. I fell for it hook,

line, and sinker. The Bank President presented income statement for the seller’s businesses

forecasting $350,000 of annual income, which could not be further from the truth, more like

$196,000. As it Turns out, Community Bank’s loan Committee are bigger suckers than me. New

evidence revealed January 26, 2017, Mr. Hughes listed the businesses produced $546,500 on

his Commercial Credit Offering that he authored to induce the committee’s authorization to

originate the loans in question.

Upon trust, I executed two promissory notes that served me up on a silver platter to the greed

of golfing acquaintance. Mr. Hughes relentless seduction to fund the sales contract for his 20-

year friendship with the seller was very convincing. The loans were collateralized by the purchase

of Largo Plaza a 7500sqft office retail strip mall located in Wiggins, MS, and two laundromats.

Sports Laundry was housed in Largo Plaza, and Sudsy housed in leased property belonging to the

Seller, located in Gulfport. One loan was for $986,000 payable in monthly installments of $8,861

and the second loan was for $208,872 payable in monthly installments of $4,236, for a total of

$13,097 per month. Sudsy required a five-year lease commitment to Seller for $1000 per month.

Property and equipment taxes were $17,000 and insurance was $13,000 per year. I am at

$16,597 per month before the electricity is turned own. Total revenue for the first-year average

$16,363 per month. I had to pay out of pocket all operational expenses in the amount of $93,879

the first year. Moreover, my wife Amanda felt the punishment the most. Amanda pays the bills. I

basically gave her $300,000 in bills and $196,000 to pay them with, Merry Christmas. Knowing

that I put her in this financial bind because I trusted two people that I should have been able to

trust, caused anger in me that was out of control. Yes, throughout the course of this battle, there

has been a simple assault charge, several confrontations and a $2,500,000 lawsuit filed by the

seller against me, lots of drama and a long story. I had to remove myself from the situation and

allow time to mend my thoughts before I ended up in jail. Many years later, the anger is still

there, but controllable. To say that is was stressful is an understatement.

For comparison that many people on the Mississippi Gulf Coast can relate to, I will use Hurricane

Katrina. July 1, 2006, under a year after the landmark date August 29,2005, I moved my family

into our new home and the recovery back to a normal life began. A month before August 16,

2007, we took a month-long motor home trip up to Omaha Nebraska to watch Mississippi State

play in the college world series. Then we ventured to Oregon, then turned south on Hwy 1

through California back to Mississippi to close a sales contract on Largo Plaza and two

Laundromats. Like Hurricane Katrina, my life changed overnight. I remember just days before

Katrina, I looked at our home on the water and said to myself, “I am going to order a personalized

tag that says CONTENT.” Overnight that changed.

I would have never believed that my life would have felt normal under a year. After several busy

months of making repairs to my rental properties, and preparing temporary Fema housing for

Katrina victims, we moved into our new home July 1, 2006, two months before the one year

anniversary of Katrina. It was a Tuesday, we swam in the pool and cooked on the grill. It was

hard to believe that my life was back to normal in under a year. In contrast to Hurricane Hughes

(CEO of Community Bank) almost 10 years later I have not been able to recover. Much of the

cause of my unproductive time came from the stress ignited by deceit from a friend and a so-

called brother in Christ. It is a hard pill to swallow when deception is delivered by unsuspecting

people.

The main reason for this site is to use the truth to expose people who believe they have the

right to hide behind unlimited resources. When the populous bonds together a power is formed

that is stronger than a corporation’s unlimited resources. When the action of Community Bank

was clearly inside the statute of limitation, I lacked evidence, resources, and the state of mind to

fight this battle. Regardless of the statute of limitations, It’s time for a Reckoning!

6. February 23, 2017 at 10am, 20 36x48 signs will be displayed in popular intersection

throughout the Coast

Mr. Byrd, the truth is powerful tool against your statute of limitation defense. Mr. Byrd, the first and only time I met you was at the Community Bank in DIberville. I made an

offer that your client denied. To refresh your memory, the details of my offer included Mike

Cooper auditing Community Bank accounts owned by CDI Plaza Inc, Largo L.P. and /or Joseph M

Gast principal owner of accounts that serviced the currency deposits of Mr. Gast’s laundromats.

I wanted to know that deposits found in these accounts could be identified to specific

laundromat revenues belonging to either Mr. Gast Hwy 49 laundry, Wiggins Laundry and/or

Sudsy. For years I have been under the suspicion that Mr. Gast grouped all his laundry deposits

into a principal sum which would make it impossible to establish the accuracy of the CDI Plaza

income statement, the one Mr. Hughes used to induce me to enter a sales contract with Mr.

Gast. Thanks to the Commercial Credit Offerings that you emailed me January 26, 2017, I can see

how Mr. Hughes induced Community Bank’s Loan Committee to originate loans using the CDI

Plaza income statement.

I stated, if Mr. Cooper would audit the accounts, and Mr. Cooper look me in the eye and say,

“Joely, the deposits found in these account can be attributed to specific laundromats and the

deposits were not grouped together in one deposits. If Mike Could do that, I would agree to

do whatever Community Bank asked of me. Eric Chambliss denied my offer.

Do you remember what else I told you in that meeting? I said that I was going to prove that Mr.

Hughes lied about CDI Plaza income statement. Thanks to Community Bank Commercial Credit

offering, evidence proves that Mr. Hughes lied to Community Bank’s loan committee. The

Committee relied upon $546,500 of rental income and income from coin operated Laundry to

service the debit of the two loans. If the income was correctly listed on the Commercial Credit

Offering the loans would not have been originated.

Concerning your position that I purchase real estate, I purchase a business that included the real

estate and businesses that had the income capabilities to produce revenues of $546,500, as

stated by Mr. Hughes. Mr. Byrd, you cannot have it both ways. My house is a piece of real estate

that does not produce income. Vacant land is a piece of real estate that does not produce

income. It takes a business to produce hundreds of thousands of dollars income. The Community

Bank loans required 150% more income than my personal income to qualify for the loans. If Mr.

Hughes would not have committed fraud and/or negligent misrepresentation the loans would

not have been approved. My personal income did not have the ability to service $300,000 worth

of new debit. Community Bank like I, relied upon an income produced by businesses that

included a piece of real estate. Mr. Byrd, can you please show a similar transaction to the court

and I where as a piece of real estate in n Mississippi that has income capabilities to produce

revenues of $546,500. Mr. Byrd you cannot find such real estate because it is called a business.

Regardless of the void contract that you submitted into evidence between Mr. Gast and I, the

void contract was between Mr. Gast and I, not Community Bank. Mr. Hughes and I have a

different contract to borrow money and the conditions are clearly listed in the Loan Commitment

as follows

USE OF PROCEEDS

1. To fund the purchase of a coin laundry equipment SERVICE and a 4 unit building located at

1049 frontage road East Hwy 49 Wiggins MS

2. To fund the purchase of a coin laundry equipment SERVICE located at 10565 Three Rivers rd

Gulfport MS. Mr. Byrd, this service did not include real estate but was expected to produce

$67,000 of income. The equipment at this location was worth $10,250. I replaced the worthless

dryers included in the purchase and replaced them with 12 newer dryers valued at $15,000. Mr.

Gast re- purchased the equipment for $7,000 when the 5 year lease was up.

Community Bank expected $545,500 of business income and I expected $350,000 in business

income. Mr. Hughes’ conduct and evidence that he authored undeniably induced Community

Bank and I to believe that BUSINESS income from purchasing his friend’s businesses would debit

service the loans. Please explain to the court and me, why Mr. Hughes has change his position

and/or your reason to continue to ignore the evidence? Community Bank’s Loan Commitment

and Agreement list use of proceeds to purchase a SERVICE. Community Bank’s Commercial Credit

offering list Source of income for repayment; primary source; rental income and income from

coin operated laundry. What more does the documents need to say?

Mr. Byrd, your set off clause does not justify Community’s actions that I describe in Count 9 of

my First Amended complaint, for wrongful interference and conversion. I have searched

extensively on the internet for case-law and consumer complaint from people with similar action

as described, no such findings. Because the action describes in my complaint do not occur. If

these types of action do occur, the guilty party prevents the incident from becoming public.

Because the action describe banking violations for which banks try to keep secret. Your setoff

clause does not included taking monies that are not there, hence a positive $1 in a checking

account does not give a bank the right to debit the account $7,300 to a balance of a negative

$7,299. The motives for the described action were as followed:

1. To hide the delinquency of accounts from Bank Auditors.

2. Mr. Hughes’ pay and bonuses was based on the delinquency of loans he originated.

3. Mr. Hughes delayed my filing of a lawsuit by using every authority that he processed to

maintain the appearance that the loan was not distressed that would uncover his misconduct.

I will edit the above information for a rebuttal to your rebuttal’s motion to dismiss. Also a

subpoena for accounts relating to the validity of the CDI Plaza income statement is on its way.

Moreover, a Lis Pendens filed in stone county.

Have a nice day. Best Regards Joely White 228 323 0692