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Cracking the Code Third Edition- , Copyright © 1999, 2000. 2001, 2002 by Better Book &
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This book is solely for informational and educational purposes and is not legal advice. The
reader is advised to consult a licensed legal professional for assistance with any legal matter . The
success stories contained herein are representative of results attainable upon application of the
informational and educational material provided, but no guarantee is made. Individual results
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Cracking the Code Third Edition® is intended for the personal use and enjoyment of all people of
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Party’s sole discretion, deems appropriate. Terms for Curing Default: Upon event of default, as set forth above under ‘Default Terms;irrespective of any

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“ There is no subtler, no surer means of overturning the
existing basis of society than to debauch the currency. The
process engages all the hidden forces of economic laws on
the side of destruction, and does it in a manner which not one
in a million is able to diagnose .... ”
John Maynard Keynes
Economist, Member of the Order of the Illuminati
The Economic Consequences of the Peace, 1919
 V

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“ Air. Speaker.We are now here in Chapter 11. Members of
Congress are official trustees presiding over the greatest
reorganization of any bankrupt entity in world history, the
U.S. Government ...”
Congressman James A. Traficant Jr.
Congressional Record , March 17, 1993, Vol. 33
1

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On Sovereigns
We of this mighty western Republic have to grapple with the
dangers that spring from popular self-government tried on a
scale incomparably vaster than ever before in the history of
mankind, and from an abounding material prosperity greater also
than anything which the world has hitherto seen.

" As regards the first set of dangers, it behooves us to remember

that men can never escape being governed. Either they must
govern themselves or they must submit to being governed by
others. If from lawlessness or fickleness, from folly or self-
indulgence, they refuse to govern themselves then most assuredly
in the end they will have to be governed from the outside. They
can prevent the need of government from without only by showing
they possess the power of government from within. A sovereign
cannot make excuses for his failures; a sovereign must accept the
responsibility for the exercise of power that inheres in him; and
where, as is true in our Republic, the people are sovereign, then
the people must show a sober understanding and a sane and
steadfast purpose if they are to preserve that orderly liberty upon
which as a foundation every republic must rest.”

President Theodore Roosevelt

Opening of the Jamestown Exposition
Norfolk, Virginia, April 26, 1907

“Sovereignty itself is, of course, not subject to law, for it is the

author and source of law ...”
Yick Wo v. Hopkins
118 U . S. 356 ; 6 S.Ct. 1064 ( 1886)
May 10, 1886
 t

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 Absolute Rights
“ As regards right to interfere with contractual obligations of
another, ‘absolute rights’ which individual may exercise without
reference to motive are rights incident to ownership of property,
rights growing out of contractual relations, and right to enter or
refuse to enter contractual relations.

“By the ‘absolute rights ’ of individuals is meant those which are in

their primary and strictest sense, such as would belong to their
persons merely in a state of nature, and which every man is entitled
to enjoy, whether out of society or in it. The rights of personal
security, of personal liberty, and private property do not depend
upon the Constitution for their existence. They existed before the
Constitution was made, or the government was organized. These are
what are termed the 'absolute rights’ of individuals, which belong to
them independently of all government, and which all governments
which derive their power from the consent of the governed were
instituted to protect. ”

Words and Phrases, Volume 1 , 1968

West Publishing Company
 I

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I

II
 “Good name in man and woman, dear my lord,
Is the immediate jewel of their souls:
Who steals my purse steals trash; 'tis something, nothing;
T was mine, ‘t is his, and has been slave to thousands;
But he that filches 1 from me my good name
Robs me of that which not enriches him,
And makes me poor indeed.”
Othelloy the Moor of Venice
Act III, Scene 3
By William Shakespeare

Filch: To steal ; to pilfer .

 “Neither a borrower nor a lender be:
For loan oft loses both itself and friend,
And borrowing dulls the edge of husbandry. »1 .

Hamlet
Act I, Scene 3
By William Shakespeare

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Husbandry : Economy ; thrift. Shakespeare Lexicon and Quotation Dictionary^ 1902.

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 Contents
Preface XIX

Real World Successes xxn

Foreword XXIX

Part I: Theory
Section 1: Maintaining Fiscal Integrity - Functional Sovereignty t
Section 2: The Truth About Esquires . 39
Section 3: The Curse of Co-Suretyship 67
Section 4: Annotated Glossary of Terms 91
Glossary Key 92
Glossary . . . 93

Part II ; Practical
Section 5: Copyright Notice Instructions 193
Copyright Notice (single) 198
Copyright Notice (family) 200
Sample Cover Letter for Newspaper 202
Section 6: Vital General Instructions for All UCC Filings 203
Section 7: Information Request (UCC11R) Instructions 209
Official UCC instructions 212
information Request . 213
Section 8: UCC Financing Statement (UCCl) Instructions 215
Official Instructions . 228
Official ADDENDUM Instructions 229
UCC Financing Statement Filing 230
Cross-Filing . . . . 232
Real Estate Filing . . . . 234
Sample Cover Sheet 236
Private Agreement . . . . 237
Hold-Harmless and Indemnity Agreement . 239
Security A g r e e m e n t . . . . 241
Attachment Sheet . 250
Private Collateral List 251
Section 9: UCC Financing Statement Amendment (UCC3) Instructions 253
Official AMENDMENT Instructions . 258
Official AMENDMENT ADDENDUM Instructions 259
Cross-Filing Amendment #1 260
Cross-Filing Amendment #2 262
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Section 10: Handling Presentments Instructions 265
Notice by Written Communication . 287
Return Receipt (Green Card) 292
Registered Mail Receipt 293
Affidavit of Mailing . . . . 294
Validation of Debt Package . 295
Invoice - Verified Statement of Account 309

Contents Page 1 of 2
xvii
 Section 10: (continued)
Affidavit of John Henry Doe, by Special Visitation . 310
Notary ’s Certification of Non-Response 314
How to Sign Your Signature Without Liability 315
Helpful Notes for Pressure Situations 322
Part HI: Appendix
Section 11: Executive Order Outlawing Ownership of Gold 328
Crime is Commerce (27 CFR1 72.11) 329
Re Prisoners, Prisons, and Courts . 330
US Attorney Disclaims IRS as Agency of US Government. 331
IRS Appoints Apparent Communist as Attorney 337
The Demise of the American Constitutional Republic 338
A Memorandum of Law on the Name 342
The Shetar’s Effect on English Law -
A Law of the Jews Becomes the Law of the Land 361
State Bar not Registered as a Public Corporation 373
60X Magnification of Signature Line on Personal Checks . 374
Copyright law 375
UCC Filing Offices . 376
UCC Filing Offices in Canada 381

Part fV: Blank Forms & Form Letters

Section 12: Information Request. 384
UCC Financing Statement . 385
UCC Financing Statement ADDENDUM 386
UCC Financing Statement AMENDMENT . 387
UCC Financing Statement AMENDMENT ADDENDUM 388
Cover Sheet for Filing by Mail/Courier 389
Letter for State Registrar re Birth Certificate 390

1
CFR: Code of Federal Regulations
Page 2 of 2 Contents
tan

xvm
 Preface " • \

;• # - f . • % . . .
This book has been written for the purpose of showing anyone how to successfully
withstand and nullify unsolicited demands for payment/performance from attorneys, banks,
judges, clerks of court, police , taxmen, and government agents (and anyone else who would
casually and unjustly damage one’s life) and cease being muscled into “doing business”
with such parties against his will. Any who proceed against the Redemptot after having
been noticed are vulnerable for both immediate and long-terrn grievous and catastrophic
*
personal financial/commercial ruin , thereby providing adequate motivation to look elsewhere
for a more compliant “customer.” As abundantly documented, herein, the judicial system
may be accurately defined as “a private, invitation-only, cultic, British-owned and -operated,
commercial extortion racket," with only an apparent monopoly over the transference of
wealth and control of personal freedom in this country . The prescriptions contained within
the pages of this manual can set you free of this menace.

In America—as in any communist country2—Big Brother’s modus operand } consists of

bringing down the full might of the government upon any unlucky “citizen” that crosses paths
with its divine agenda {absolute ownership and control of all property and people). Few , if
any, can withstand such an assault. Operating in limited liability with official immunity, Big
Brother’s operatives wreak holy hell on a daily basis against any they choose, but
continually walk away from the carnage unscathed.3 For those who follow the precepts as
presented in this manual, such days are numbered, if not over . The procedures appearing
in this volume, if scrupulously followed , can render any legal attacker immediately liable and
fully personally accountable for his/her actions should he/she proceed—the right medicine
for anyone suffering from a case of the “More Equal4 Than Thou Syndrome”—and the best
reason to halt all proceedings.
®
Cracking the Code Third Edition offers a new plateau of stability and is orders of
magnitude beyond the first two editions. This process is tried and true and cannot be
defeated if followed without alteration: The non-judicial Uniform Commercial Code has
been cracked and is now utterly accessible for any who would examine the contents of this
manual. As you will discover, the assurances made in the preceding paragraphs are not
hollow chatter: this text can set you free.

The treatises, essays , and historical material contained in this book are all on solid legal
ground. It is not a matter of if we are on the right trail or not; it is rather a matter of how well
—
we read the trail markings we encounter because the remedies described in this manual
are working like crazy north, east, south and west, and the successes contained herein will
1
Redemptor : Latin. One who buys back , reclaims (one who has reclaimed legal title over his life and property).,
2
All 10 planks of the Communist Manifesto are firmly entrenched in daily American life, deeply implanted in
America’s psyche, and thoroughly dispersed in an ocean of code, i.e. “law .”
’ As well as innumerable , eminently qualified judges, a prime example of this phenomenon is the former California
Insurance Commissioner, Chuck Quackenbush. In addition to padding his own political career, and likely lining his
own pockets and the pockets of his cohorts, this man was personally accountable for the ruination of the lives of
thousands ( if not tens of thousands ) of California families whose homes were damaged/destroyed in the 1994
Northridge Earthquake , by officially letting insurance companies off the hook —to the tune of billions of dollars.
Chuck Quackenbush has quietly slipped into obscurity without so much as a slap on the wrist.
4
In Animal Farm , the brilliant little allegory of communism by George Orwell, the original , sacred “Seven
Commandments” were continually altered/deleted for favoring the pigs (the leaders) until, in the end, there was only
one commandment left: “ALL ANIMALS ARE EQUAL, BUT SOME ANIMALS ARE MORE EQUAL THAN OTHERS . ”
Preface Page 1 of 3
xix
 free you of the ranting of any critic.5 The main failing with professional (and amateur) critics
is that that particular vocation does not involve helping people and getting things done. It
just involves tearing down things that might help, and stopping others from breaking free of
Big Brother' s clutches—an occupational caliing/hobby with a marginal sanity index . When
you come across someone who is preoccupied with stopping this process and saying how
bad it all is, realize that the critic is a "company man,” obsessed with infecting ail with the
venom of statism,0 and does not have your best interests at heart—and likely never will.7
An honorable critic would bring forth another solution , i. e . another remedy for the situation at
hand, rather than just sounding a general hue and cry8 and proclaiming that all (sheep)
should stand stockstill9 and accept their fate as “part of life.”
As with the first two editions , the initial aim of this volume is fully acquainting you with the
process of regaining control of the alt-capitet-letters juristic10 name/TRADE NAME that
began appearing on legal documents, such as the Social Security card in your possession,
following the registration of your birth. This name is “yours” only in the sense that it belongs
to you; it does not identify you. The problem with such a name is that even though it
belongs to you, and was created expressly to reference you, someone else has custody of
it—meaning that someone else can control the travels that particular piece of intellectual
property (the all-capsTRADE NAME) and has been using it for financial gain courtesy of
your labor. This handbook shows you how to rectify this situation.

Having accomplished the foregoing , the main objective of this manual becomes providing
you with the means for fortifying your existence and deflecting all legal and financial
assaults on your freedom, family, wealth, property, and peace of mind. The legality of the
issues addressed herein is wefl substantiated in the common law and the UCC, and you are
limited only by your lack of understanding of them. The Glossary contained herein has
been specifically created and annotated to assist you in acquiring a working knowledge of
the key issues.

Material has been laid out so that the reader can go straight into the practical application of
the filing instructions , adapt the sample documents with the details of his/her life, and
successfully file the documents without doing anything else. However, such practice is
basically “ treating the symptom” and is not recommended because the cause of the
condition—unwanted victimization at the hands of the system—is still unresolved; sort of
like being tost in the jungle , finding a compass , but then not knowing which direction is the
best way out.

The theory portion of this volume , as welt as the items in the Appendix , affords a treetop
perch for those who might be lost in the legai/commercial/polHical jurigle: one with a bird’s-
eye view of the whole territory as never before . Once a bewildered traveler gets a compass
reading on the right landmark, he can thereafter successfully negotiate any difficulties
encountered on his way out of the jungle because of acquired certainty of where he is
headed and the full expectation that he will make it. Whether you do your filing(s) sooner
5
For conclusive, unimpeachable documentary evidence (from the Federal Reserve) of the correctness of the
rocedures set forth in this manual, see “How to Sign When Your Signature is Demanded” in Appendix .
F Statism: A theory of government which holds that the returns from group or individual enterprise are vested in the
state, as in communism. Funk & Wagnall ’s New College Standard Dictionary. 1947 .
7 < i
Remember, a statue has never been set up in honor of a critic . ” Jean Sibelius (renowned composer), Oxford
Dictionary of Twentieth Century Quotations .
8
Hue and cry: A great stir and clamor about any matter.
9
Stockstill: As still as a stock or post; motionless.
10
Juristic: Of or relating to law .
Page 2 of 3 Preface
XX

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 rather than later, steady progress between the covers of this manual, however unhurried,
will give you a new perspective on the same old surroundings and produce a courage and a
confidence that can fuel your journey all the way out of the “jungle’’ and onto the highroad
for a better life.
Because the Code has been crocked, the filing procedures and background material are
now simple. Matters have now been removed from the private, monopolistic, judicial
system, and players within that arena have become personally commercially accountable
for their actions. These breakthroughs have thereby greatly remedied the nuisance of
dealing with the courts, the courts’ extreme formalism, and the secret rituals11 of the inner
sanctum of the legal fraternity, “the Brotherhood."

For those reading this page that may have the misfortune of being involved in an ongoing
legal dilemma, some words of encouragement: the procedure contained herein is beneficial
at any stage of the game.12 The more entangled one has become; the more complicated it
can seem to be to extricate oneself from the tentacles of those who would gleefully destroy
one’s life. Obviously, the further along on the judicial conveyor belt, the more difficult things
can become. However , irrespective of what has happened; the liberatioh procedure is
essentially the same no matter what stage of the game you are in. A healthy (and
workable) approach is simply to write off everything that has already happened, chalk it up
to experience, and start afresh and anew with a clean heart. What is offered here can be
completely locked into place in very short order and can serve you thereafter in many
different circumstances.13

This manual will also introduce you with the very real possibility of personal independence
and functional sovereignty. Believe it or not, it was the exercise of your inherent sovereign
right to “decide” with whom you would contract that got you into this mess in the first place.
The first step in regaining sovereignty is reestablishing ownership and control of the
corporately colored property identified as your all-capital-letters TRADE NAME (and any
and all other corruptions/permutations thereof). That, and the procedure to fortify your
freedom and maintain control of your worldly possessions thereafter, has been presented
here in detail to ensure your understanding of the subject and assist you in your efforts to
create a pleasant and worry-free life for yourself.

Wishing you happier times . . .

The Authors
i.

11 “The characteristic
of the earlier Roman law was its extreme formalism. From its first secret administration as the
law of the privileged classes it expanded until it became the basis of all civilized legal systems.” Catholic
Encyclopedia. .
12 As of this writing these breakthrough procedures have already stopped the levying of a bank account after
judgment had been finalized.
13
Professional assistance, support, and (non-legal ) document preparation services are available through the
publisher.
Preface Page 3 of 3
XXI
 Real World Successes
Important Note: The banking system in America , to mention one area addressed by this
manual, is a fraudulent enterprise. That is why these processes are so effective at
eliminating claims of debt. Credit lenders never loan anything of substance, and hence
cannot withstand the simplest examination of their practices, cannot legally support their
claims , and give up sooner or later , depending on their interest level in the particular
transaction. The monetary system has been designed expressly for creating defaults and
foreclosures and bankruptcies , and it is working exactly as it is supposed to: people (and
companies) are being picked off left and right in greater and greater numbers. We are in
the middle of a national epidemic at the hands of the Money Power and its minions1; the
only reason you do not hear more about it is because of the managed news media , another
vital cog in Big Bother’s machinery.

The main reason there is not a large number of testimonials in this section of the book is
three-fold: (1) full-scale application of the procedures contained herein has been underway
less than a year, based on the time required to research, develop , test, and perfect the
documents and procedures contained herein; (2) there is a time lag involved in actually
acquiring the legal title for both houses and cars , even though former creditors may cease
all collection activity much earlier in the process; and (3) there is nothing very exciting to
write about when credit card companies and other debt collectors simply drop all claims ,
stop communicating , and go away .

Credit card companies are the easiest to handle because credit cards have no value, and
credit card claims are 100% unsupportable and evaporate upon proper challenge. Debt-
collector-type debt (when another company has purchased the account from the original
creditor) is also very easy. The only time things get sticky is when these types of accounts
end up in a lawsuit , and the courts have gotten involved. Even then , the little guy can still
prevail; it just takes a bit more effort. Mortgages, on the other hand, are another matter,
because of the value involved. Mortgage lenders are more likely to go down fighting, but—
so far—they always go down, because they cannot prove that they have a valid claim in the
loan transaction .

A tiny minority of situations are not within the realm of rescue because of fatal mistakes
made by the debtor, and so are not attempted. But of those taken on, there are factually no
failures (because handlings are based on the truth of the matter); some just take a little
longer than others. They can get drawn out because some creditors just don’t want to let
go and give up (it may be too much of a shock when a lender realizes that someone has
figured out his racket and that he might have to stop robbing people and find honest work).

Another definite factor causing creditors , and judges and attorneys alike , to beat a hasty
retreat is the penalty for unauthorized use of the “borrower’s" private, common-law-
copyrighted property, his name . For various reasons, this system is bringing the activities of
financial pirates under control, it also works in other situations where one's name is being
used for financial gain, but handling "lenders” seems to be its most popular use right now.

Below is a sampling of different types of successes. There are many more that have
crushed the initial assault, but have not yet arrived at final completion with title in-hand.

Minion: A servile favorite or follower: a term of contempt .

Page 1 of 7 Real World Successes

•
XXII*
 1. After getting involved in a certain business opportunity, Mark from Missouri gradually
poured in over $100,000 and one day found himself hurting for cash. He got a quick
$15,000 loan from a prominent national lending company at a hefty interest rate, but
was not worried because he expected the business deal to come through. He put up
the certificate of title for each of his three vehictes as collateral for the loan.

Mark made monthly payments of $500 on the loan for about a year, hoping that
something would work out with the investment , but it never did. As well, his payments
were apparently not making much of a dent in the loan because the lending company
informed him that he still owed about $17,000. He had lots of bills, little cash, got three
months behind on payments, and realized that the lending company was probably
thinking about picking up the cars.

He began placing the autos in a secluded place to inhibit the lender from just coming
over and taking them, but before he could secure the last one, they repossessed it.
Shortly after that, Mark hooked up with SecuredParty.org, did his Copyright Notice and
UCC Financing Statement , and then issued the lending company a promissory note in
the form of a draft (a one-page, abbreviated version of the Certified Promissory Note
that appears on page 10 of the 14-page Validation of Debt Package in Section 10,
Handling Presentments) in the amount of $16,948,27, along with a certified copy of ail
his UCC paperwork.

A few days iater Mark received another statement from the firm, listing the unpaid
balance at $41.07. He purchased a money order in that amount and showed up at the
local office to tender payment. The people there were shocked to see him. They told
him that his account had been shifted to the national office, that they no longer had the
capability of accepting payment from him on their computers, and instructed him to call
the main office.

When he made contact with the account rep at national headquarters he asked what he
needed to do to get the balance cleared off:

Rep: As far as what I can see here in your file, you’re fine. You’re done.
You’re taken care of . You got a statement from us?
Mark: Yes.
Rep: Does it have a date on it?
Mark: It was about a week ago.
Rep: Oh, that must be some computer error . Just disregard that. Just
forget it. You’re taken care of.
Mark: Weil, I have a couple of other problems .
Rep: What's that?
Mark: Your local office still has my certificates of title, and they also
repossessed one of my cars .
Rep : Well, give them a couple of weeks to straighten out the paperwork and
then go in and talk to them, and if you don’t get satisfied —you have
my name and number— just call me back and I'll see to it that you are
satisfied .
L

i Real World Successes Page 2 of 7

XXtll
 A few weeks later he checked in as directed, and was told he could pick up his titled
and get his car back as long as he paid the towing and storage fees at the impound lot,
a total of $230, which he did in November. He has never heard from them again.

2. Dan, a knowledgeable fellow in UCC matters , set up new business relationships after
relocating in his old hometown , Muskegon, Michigan, having been gone for many years .
One thing he needed was a bank account and he decided on thecredit union where his
mother and stepfather banked. After proving that that family members were already
banking there, the new accounts clerk cheerfully handed over an application. Since the
new (non-interest bearing) account would be in the straw man’s TRADE NAME, that’s
how Dan filled out the app: printing the straw man’s all- caps name and placing a “©’’
copyright symbol immediately after the last letter of the name. When the straw man
’’finished filling out the form,” the Secured Party, i.e. flesh-and-blood Dan, wrote
across
the signature card in red ink : “Accepted for value, exempt from levy,” filled in his EID #* ,
dated it September 23, 2001, and signed it. He then supplied a copy of his UCC
Financing Statement and Security Agreement and turned them in with the signature
card , requesting a photocopy of the card, front and back.

The next morning Dan received a call from the president of the bank : 'Tm sorry , but we
will not be able to open the account. Our legal department says we can’t have a
copyrighted name on an account." Shortly thereafter , Dan shows up at the bank . Here
is a portion of his conversation with the president:
President: if you will simply remove the copyright symbol from the name there
will be no problem in opening the account.
Dan : Will it be a secured account?
President: Yes.
Dan: What happens if someone takes money out of this account?
President: That will not happen.
Dan: Let’s just say hypothetically that ...
President: I will not let that happen.
Dan: Even if the IRS wants to take some money?
President : Even the IRS. This account will be permanently flagged '‘PRIVATE”
in the computer and will never be touched by anyone other than you
without your permission. Since the account would be in your name,
even your wife could not remove money without your official
authorization.
Dan: Let’s just say someone DID take some money out of my account.
Who would be liable?
President: The credit union.

Dan opened the account. He receives checking services with no monthly fees and pays
nothing for money orders and other such services. No fees of any kind are deducted
from his account. The president also confided that the legal department had
commented that this was the strongest Security Agreement they had ever seen.
2
EID #: “Employer Identification Number” of the Secured Party, derived from the straw man’ s Social Security
Account Number ( SSAN ); e .g . EID # 1234 - 56789 , derived from SSAN 123 -45 -6789; a number uniquely identifying
the Secured Party .

Page 3 of 7 Real World Successes

xxiv
3. Dan decided he wanted his funds in a 401(k) for helping with the costs of getting set up
and relocated in Muskegon. When he visited the brokerage house that managed the
account he was told that there would be a 30% levy for liquidating the account, a chunk
of more than $4,000 of the total. He left and returned with a secretary of state-certified
copy of his UCC Financing Statement and Security Agreement, pointing out that he, the
Secured Party, had the supreme claim on the account, was exempt from levy, and
would return in three days for a check in the full amount of the balance.

Two days later he received a phone call and was told his wishes could not be honored.
With tape recorder in hand he went into the bank and asked for the account specialist
and served her with a "Notice by Declaration/Security Agreement”3:

Dan: You are now on notice, and I want my money now . If you remove
any funds from the balance due me you are liable for $500, 000.00,
and the same goes for the IRS.
Acct Spec : I would be happy to transfer 100% of the money this second if you
would just open an IRA at another bank.

Dan visited another bank where he already had an account (and was known), National
City Bank, and opened an IRA account in the straw man’s name as usual, then
accepting for value the signature card, noting “exempt from levy” and placing EID # and
hating and signing as before, all in red ink. The brokerage firm was provided with bank
coordinates for the new IRA with National City Bank and the funds were immediately
wired in. Less than an hour later Dan walked out the door with a cashiers check for the
full $13,800.00.

No financial institution could levy any of Dan’s money without first placing his straw
man’s name on at least one piece of paper. The straw man's TRADE NAME, in any
form, is Dan’s private, copyrighted property. Without Dan’s permission, no one may use
the name without incurring a $500,000.00 obligation for each such use; hence all the
cooperation from the banks.

4. On November 17, 2000 the balance on Dan's MBNA credit card was $12,507.71.
Having recently learned of the fraudulent business practices of credit card companies,
Dan was not amenable with paying MBNA his hard-earned cash. He sent MBNA a
“Validation of Debt" package4 requesting that they prove that he owed the money they
were asking for and included a certified promissory note (written in strict accordance
with UCC mandates for a negotiable instrument) as bona fide payment if the debt could

3
Now designated “Notice by Written Communication/Security Agreement.” A turbo - charged and lengthier version
of the Copyright Notice that is enclosed herein, with intimate details on the workings of die self-executing Security
Agreement in the event the recipient uses the name without authorization . Fee for usage is $500 ,000.00 per
occurrence of use , secured by all tangible and intangible property of the recipient (this document, drawn strictly
from the UCC and Revised Article 9, is as final as a guillotine; available through BB&C of America with purchase
of the UCC Financing Statement package ).
4
An exacting package of interrelated documents requiring that a credit card company officer swear out an affidavit
(“true, correct, and complete") in accordance with the Fair Debt Collection Practices Act, identifying the
substance/valuable consideration that was exchanged with the credit card account holder that supports the contract
and justifies the credit card company’ s demand that the account holder pay the amount demanded . No financial
institution in America can do this because nothing of value is ever given by any “ lender,” including all credit card
companies. The Validation of Debt package has never failed in stopping a credit card company seeking payment
(the Validation of Debt package is available through BB&C of America).

Real World Successes Page 4 of 7

XXV
 be validated. Three days after sending the Validation of Debt package, Dan sent along
a Notice by Declaration/Security Agreement, informing MBNA that his name was
copyrighted property and that if they used it for financial gain it would cost them
$500,000.00 for each such use . That was a year ago and Dan has neither heard from
MBNA since, nor from any debt collector associated with them. The $12,507.71 debt
disappeared. On his credit reports with the various credit reporting agencies which
have also been served with a Notice by Deciaration/Security Agreement the account —
—
is marked "PRIVATE. ” There is no further credit history on any credit report after the
date each agency was served with a Notice by Declaration. When Dan wants credit
extended from some merchant he simply provides bank records for the last three years,
and sometimes letters from other creditors attesting, his payment history. It has never
been a problem.

5. In January of this year Dan received a letter from his bank informing him that an
attorney had shown up at the bank with, apparently , a judgment against Dan’s wife,
demanding that the funds be paid out immediately, A copy of the “judgment" which
had no judge’s signature on it-^was also included with the letter from the bank.
—
Apparently the attorney felt he could invade Dan’s account simply because he was the
spouse of the "judgment debtor." The bank, of course, assured Dan that not one penny
would be removed from the account without his .- authorization.
: X

With Dan’s friend Jim’s help, as with all of Dan’s other documents, the Notice by
.
Declaration was created for Dan As well as mailing it Certified Mail5, Return Receipt
Requested, Dan also faxed the attorney the Notice by Declaration/Security Agreement
from the automobile dealership where he worked. Less than ten minutes later the
attorney was on the line with Dan asserting that, among other things, the faxed
document had "nothing to do with the judicial system.” Dan agreed with the shyster
entirely, “That ' s exactly right . This has nothing to do with the judicial system." That was
May 2001, nine months ago, and Dan has not heard from the attorney since.

[Note: In this testimonial, as well as in alt the others here, the judicial system plays no
part in the process. These are all private, consensual contracts containing no
controversy that would allow the intervention of any third-party judge. Everything is
agreed upon in advance when the aggressor/debtor executes the contract by using your
private property (any version of your copyrighted name) without your authorization.
Since it is your property, any user must comply with contract terms that you set for its
authorized, as well as its unauthorized, use.]

6. Because of a Notice by Declaration/Security Agreement on file with the county where

Dan lives the county title insurance office will not issue a copy of the title on one of
Dan’s properties certifying that it is held free and clear (which it is). They have no
—
problem issuing a plain photocopy of the deed because the document does hot
—
constitute legal evidence when in the form of a pipin photocopy but will not issue a
certified document with Dan's copyrighted name on it. Apparently the revenue from
selling the certified copy of deed is outweighed by the half-million dollar ticket for using
Dan’s private, copyrighted property without his permission .

5
Though Dan used Certified Mail here , it is strongly recommended that you always use Registered Mail and send
Return Receipt Requested , Restricted Delivery, with an Affidavit of Service for proof of service .

Page 5 of 7 Real World Successes

XXVI
 7. Arnold from New Jersey, 86 years of age, had ceased filing income tax returns as of
1991. Using Title 26 United States Code Section 6020, the Secretary of the Treasury
had done an SFR, “substitute for return,” for Arnold, signing Arnold's name on his behalf
on a tax return (authorized by Arnold’s signing of the W-4 Form) for each of those
years. In 1998 a “Notice of Federal Tax Lien” was filed against ARNOLD ( not “Arnold")
and IRS began levying Arnold’s Du Pont-corporation pension from at a clip of $1,347.68
a month. Arnold tried every tactic he could think of for two and a half years, but was
unsuccessful in nullifying the effects of the “Notice of Federal Tax Lien.”

By good fortune, Arnold recently met the folks at SecuredParty.org (authorized

distributors of Cracking the Code Third Edition®) and sent IRS a smaller version of the
current “Validation of Debt” package (see Section 10, Handling Presentments). Before
the next pay period Arnold received a “Release of Notice of Federal Tax Lien,” and his
next pension check from Du Pont had no deductions for IRS,

8. White being admitted at the hospital following an automobile accident in December

1999, Bill from New Jersey was given a consent form by the hospital for establishing
financial liability for its services. Noticing that the hospital had printed out the name of
his all-caps straw man on the form as the liable party, and knowing that an agent is not
responsible for the principal's liability , Bill signed as follows:

"WILLIAM QUINCY JONES by

William Quincy Jones, Agent”
• .
Even though the other driver’s insurance company paid in full for the loss of Bill’s car,
they refused responsibility for a $475.00 bill for x-rays that Bill had forwarded after he
was billed by the hospital’s radiology department. The $475.00 bill went into collection
and Bill was sued in early 2001. Bill responded using the ail-caps name of his straw
6
man only on all documents, but also entered his Security Agreement and UCC
Financing Statement into the record as evidence that he (the flesh-and-blood man) was
not the party being sued and that he held the supreme claim against the liable party , his
all-caps TRADE NAME. At the April 2001 trial, after nearly an hour of verbal ping-pong,
both judge and hospital attorney realized that Bill could not be tricked into taking the
place of the debtor , nor into becoming a surety7 for the debtor, so the attorney asked for
default judgment, asserting that the defendant, the TRADE NAME , had not appeared in
court. The judge immediately granted default judgment in favor of the hospital against
— —
Bill. It is now February ten months later and Bill has heard from neither the court nor
the attorney since the trial. When he recently checked the court record he discovered
—
that no judgment was ever signed by the judge as required by New Jersey court
—
rules and entered in the record. Despite the play-acting in the courtroom by the judge,
Bill actually won the case based on his Security Agreement and his mastery of “legal
0
dodge-ball” in avoiding the trickery of the judge and the attorney .
r
9. In March of 2000 the same Bill from above was lassoed into using his credit card for
renting a truck for a friend at a rental agency, and then picking up and delivering some
6
The new Security Agreement, available through BB& C of America, is an impregnable fortress for the interests of
the Secured Party in his relationship with the Debtor STRAW MAN .
7
Surety: A person who binds himself for the payment of a sum of money, or for the performance of something else,
for another. Bouvier ’ s Law Dictionary , Eighth Edition .
s For an expose of the Federal Reserve ’ s acknowledgment of the legal distinction between true name and TRADE
NAME, see “How to Sign Your Signature Without Liability” at the end of Section 10, Handling Presentments.
Real World Successes Page 6 of 7
XXVII
 furniture. Bitl reluctantly agreed on the credit card use , taking out full insurance on the
truck. On the way back they clipped a telephone pole that was leaning slightly toward
the road at a tight intersection. Thinking only the rear view mirror had been damaged
they were all surprised when they stopped at a diner and noticed that the top of the box
had been gashed open, as well. Bill’s friend was worried about the liability, but Bill
comforted him by reminding him that they had purchased full insurance coverage on the
truck. Bill also explained for his friend how he had signed the rental agreement in the
straw man’s name:
"WILLIAM QUINCY JONES by
.
William Quincy Jones, Auth Rep.”

Upon arrival back at the rental agency a damage/incident report was written up and Bill
explained what happened for the manager/owner, who noted the damage. The rental
transaction was completed and Bill and friend departed.

A month later on April 18, 2000 Bill received a bill from the rental agency for $1,937.64.
He then got on the phone and reminded the manager that he was carrying full
insurance coverage on the vehicle at the time of the accident. The manager then stated
that the insurance didn't cover overhead damage and that Bill was personally
responsible for the repair.

On May 30th the attorney for the rental agency wrote a letter requesting payment in the
amount of $2,325.16 and threatening litigation absent payment in full. Bill then sent a
“ Validation of Debt” package requesting validation of the purported debt per the Fair
Debt Collection Practices Act. Also included was UCC documentation that proved Bill
was the Secured Party/Creditor over the Debtor, Bill's straw man, and that unless the
attorney could prove a superior claim, he had nothing. Bill received a letter dated June
13, 2000 from the formerly combative attorney stating as follows:

”... A copy of the bill has been previously submitted to you and it is my opinion
that the debt is valid. If you have any interest in trying to resolve it amicably,
please call me.
“Thank you for your courtesy and cooperation.
“Very truly yours..."

That was the last communication Bill received from the attorney, 21 months ago. From
the marked change in substance and tone of the attorney’s communication he
apparently recognized that Bill had figured out the UCC game by proving superior
knowledge of how it all works ( see “How to Sign Your Signature Without Liability" in
Section 10, page 315, for a full explanation).

Page 7 of 7 Real .World Successes

*aa
XXVI11
 Foreword
This manual is about a code. As well as being a system or collection of rules and
regulations, a code is also defined as “a system used for secrecy of communication, in
which arbitrarily chosen words, letters, or symbols are assigned definite meanings.” Laws
today are called "codes” (Vehicle Code , Internal Revenue Code, Uniform Code of Military
Justice, Penal Code, etc . ) because they have been encoded from their original form. For
the man on the street, accessing and utilizing these codes generally requires the services of
a specially trained "decoder," called an attorney. A hundred years ago the average man
knew the law and was equipped with knowledge for conducting himself and his affairs and
avoiding unwanted legal situations, thereby protecting himself, his family, and his property
—
from legal opportunists. This is no longer the case and law is no longer just “law," but a
cornucopia of “code,” requiring cavernous libraries with miles of shelving just for housing its
billions of pages of print (Library of Congress has over three million different law books on
file—approximately 80 linear shelf-miles of law books).

The Uniform Commercial Code, "UCC," the subject of this manual, is the transcendent,
paramount achievement of the efforts of a few thousands of intensely dedicated and single-
minded collaborators (dare we call it “conspiracy”?) over the last two-plus millennia. It is the
culmination of an almost incomprehensibly complex, systematic, intricate, pervasive, and
far-reaching agenda of strategic and tactical global planning for securing absolute legal,
financial, social, ecclesiastical, and political dominance over the people of Earth. The
fundamental medium chosen to accomplish these iniquitous aims: Commerce. The UCC,
first introduced in 1954, has been developed across the centuries with microscopically
excruciating and painstaking attention to detail for avoiding forever risk of detection and
revelation of its true nature. It was fully expected that the Code would never be cracked.
Proof of this fact is the absence of any device/mechanism for the enforced reversal of the
process and recapture of slaves who manage to break free.

Incredibly , the development of the UCC has been so brilliantly orchestrated by the Legal
Masters of the World that even though it permeates and dominates the everyday lives and
activities of every man, woman, and child in America from conception to casket—as well as
—
virtually every other living soul on the planet and even though it is the most senior form of
codified law throughout the world, encompassing all others { see UCC § 1-103), the UCC is
a cultural obscurity, blending in with societal scenery so well that it does not even raise an
eyebrow upon mention. Even general members of the bar—i.e. the lawyers, attorneys,
solicitors, advocates, and barristers, i.e . the foot soldiers, snipers, and assassins of the
banker-generals that wage war on the world—are for the most part ignorant of its far-
reaching applications and implications, which dominate even their lives as well. Likely you
never even heard of the Uniform Commercial Code until it was brought to your attention by
i someone with the express purpose of revealing its influence over your life.

As an interesting side note: two years ago the authors of this manual were contacted by a
" forward-thinking attorney ,” on behalf of the other attorneys in his law firm, to purchase the
first edition as soon as it became available. Apparently they had gotten the word from a
trusted friend that the manual was being written and what it dealt with. The attorney also
allowed that he and his partners knew that the con was going down right before their eyes
everyday in the legal system, and even though witnessing the daily administration of the
shakedown, they just couldn’t figure out exactly how it was being done.

Foreword Page I of 5
xxix
 The law firm has long since acquired a copy of the first manual, but likely none of the
attorneys availed themselves of the process. You see, an attorney occupies a special place
in the grand scheme of things. Because of an attorney ’s connection with the Crown the —
source of the attorney’s British title of nobility,1 “Esquire" (all judges are esquires , as well)
via his/her misnamed “license to practice law ,” and because only an attorney can “re-
—
present" the banks and corporations (artificial persons) that are owned/controlled by the
owners/creditors of almost every single government on earth, attorneys cannot personally
access this process . Attorneys are hired guns, mercenaries, of the hate-merchants and
warmongers that operate the legal juggernaut that is intent on devouring the last shreds of
personal wealth and freedom of the common folk of the world.

Every whore has her price, and this type is no exception: judges and attorneys (esquires)
have literally sold their soul to the devil for the inside track and a few easy bucks.
Accordingly, since they are owned, they can never access sovereignty. Just like the whore,
they have no personal freedom till the customer is satisfied that he got what he paid for.
For esquires it’s a “lifetime affair” (with the Crown and the powers behind it). Accessing
sovereignty requires that an esquire renounce his/her so-called “license to practice law” and
his/her relationship with the privately owned judicial system and cease practicing as an
—
esquire altogether a cure more unpleasant than bearing the disease for most such
whores. Nearly all will carry on; a few may break away .

Esquires also fatuously2 believe they are immune against attacks from the "little people.”
As you will learn from the Tin Man ( i.e . “T-l-N,” Taxpayer-Identification-Number Man) in The
Wizard of Oz { see Wizard of Oz, The in Glossary) , and as you will discover in the Practical
portion of this manual, the laws of commerce are heartless and apply equally with all —
including attorneys and judges (for a comprehensive expose of the skeletons in an esquire’s
closet, see Section 2 , “The Truth About Esquires”). Any judge/attorney who attempts using
your private, copyrighted TRADE NAME for financial gain without first obtaining your
express, written authorization and consent faces the same legal/commercial consequences
— —
that as anyone else cataclysmic personal financial ruin because in commerce, “All are
equal under the law .”3

Judges , though also esquires, are a different creature than attorneys and receive special
training in Reno, Nevada (National Judicial College; 3,500 judges trained each year) and
—
Scottsdale, Arizona sometimes hundreds of hours over their careers for learning better
ways of applying the UCC in the courtroom, and handling dissidents and unruly slaves who
—
set a bad example for the other “paying customers.” This is the genius of the legal Masters
of the World: The populace and even many of the bar attorneys themselves believe that the
law being practiced in the courtroom is “THE” law, i.e. the ONLY law being administered in
—
the courtroom whereas it is actually only a carefully orchestrated shadow of the real thing;
an exhibition in histrionics par excellence.

The UCC is not particularly concerned with Social Security Account Numbers; and including
such is an option on the filing forms. The UCC filing office , located in each state ( and
elsewhere) , provides public notice of private matters, and is concerned primarily with
The original, authentic Thirteenth Article of Amendment of the Constitution prohibited anyone who held a title of
nobility granted by a foreign king, prince, or state from holding a position of public trust ( i. e. political office); For
an explanation why this amendment was never ratified, see paragraphs immediately preceding “Sugar Coating the
,
-
Deceit” in “ The Truth About Esquires,” Section 2 .
2
Fatuous : Foolish, but self-satisfied .
3
For all 10 commercial maxims see Maxims of Commerce in Glossary .

Page 2 of 5 Foreword
XXX
 identifying those registered within by name only— just like it was a hundred years ago
(before the Federal Reserve Act and Social Security Act) when a man's name, honor, and
reputation were his most valuable personal possessions, and upon which his entire future
depended in no small part.

As you will discover, the Social Security Account Number is a "public” number associated
with a "public persona,” a “person ,” a legal entity different from yourself and artificial, as
well; i. e. existing in contemplation of/by force of law alone. This is your alter-ego, ALL-
CAPITAL-LETTERS TRADE NAME, your STRAW MAN. “Straw man” (see Glossary) is a
legal term for a “front man,” or nominal party in a transaction; existing in name only, through
which the owner can accomplish some purpose not otherwise permitted. A straw man
serves its owner/master with slavish devotion, but you did not even know that you had one.
He has been running around obligating you and entering into all kinds of unconscionable
contracts and causing you much grief, heartache, and economic misery. It is time you get
to know this fellow and set things straight. This manual will show you how to discover your
Straw man and bring him under your control instead of theirs.

Most people understand that the law is very precise, with legalized deadly violence
associated with the words appearing in the text of the codes that are enforced by courts and
police alike. The English language and its accepted rules of grammar are likewise precise,
however, and make no accommodation for writing proper nouns in all-capital letters. The
afl-capital-letters-written name that appears on your Social Security card, driver’s license,
passport, dank statement, credit cards, etc. —and which is rigidly insisted upon and
—
enforced by the legal system is not there by mistake, but it is not your “true name,” which
consists of the given (Christian) name4 plus the surname (family name), and appears with
only initial letters capitalized. The all-caps version is your TRADE NAME, the name under
which you “do business,” and is written in another language entirely; “Legalese ”

—
All names including true names—constitute property , and can be copyrighted under the
common law. Strangely enough, the source of ail money in circulation today is your (and
i others’) TRADE NAME and your signed, “promise to pay" in exchange for loans of credit
(air) issued in that name. Banks are accounting and bookkeeping operations, with only
enough cash on hand to keep customers satisfied,5 and covertly use your TRADE NAME
and your “promise to pay” to create money and generate profit. The long-term intention of
the Money Power is to abolish cash completely and leave people with track-able, electronic
funds only.

Because all names are no more than property , no one is his TRADE NAME, nor is anyone
his true name. The primary reason we are faced with the current dismal state of affairs is
.
people’s misunderstanding of the nature of their name Whereas a sovereign uses a name
only for purposes of recognizing that someone else desires communication with him/her,
nearly all other people have lost sight of their own sovereign character via confusion about
the name. Your true name more closely approximates who you are, but is not “corporate”

4
“Names are divided into Christian names , as, Benjamin, and surnames , as, Franklin . No man can have more than
one Christian name; though two or more names usually kept separate, as John and Peter, may undoubtedly be
compounded, so as to form , in contemplation of law, but one . A letter put between the Christian and surname , as an
abbreviation of a part of the Christian name, as, John B . Peterson , is no part of either.” Bouvier’s Law Dictionary,
Sixth Edition, 1856.
5
Roughly 2% of the money supply is cash; the rest is “checkbook money” and other “credits . ”

Foreword Page 3 of 5
XXXI
 tike the TRADE NAME. The Legal Masters of the World have capitalized on this simple
distinction between true name and TRADE NAME to ensure your continued subjugation.

The primary pitfalf is that an all-capital tetters TRADE NAME sounds exactly like a true
name when spoken ( see idem sonans in Glossary ). This phenomenon has no particular
—
significance in our society except in a courtroom , and a courtroom can be a dangerous
place to be. Thankfully , this manual can help you stay out of courtrooms, but not everyone
is so fortunate. Simple observation tells us that a primary function of today’s private,
foreign-owned and -operated court system is the transfer of personal wealth and freedom
into the hands of the courts, banks, government, corporations, and tax agencies.

The judge is calling out a name in one language, Legalese (he is reading from the legal
documents in front of him), and the “customer ’ is innocently listening and answering in
1

another, “English.” This otherwise harmless overlap of “language" is then immediately,

forcefully, and unmercifully applied to the victim’s profound detriment, Such deception is
now indispensable in maintaining the current level of commercial profit levels of the courts
(e. g. visit any traffic court for an hour and keep a tally of the proceeds)7 By following the .
procedures outlined in this manual, unwanted victimization at the hands of the judicial/legal
system can be minimized and even avoided/bypassed altogether.

The UCC provides for filing offices in each state and elsewhere so that a creditor may give
formal public notice of the legal relationship between himself and a debtor. It allows for the
creditor, called the “secured party,” to “perfect” (legally establish) a “security interest" (a
— —
private lien, essentially) above all others, including government in the property of the
debtor, thereby ensuring repayment or specific performance by the debtor and officially
precluding any third party from impairing the private contract. As shown herein, your straw-
man TRADE NAME is the debtor and you, the secured party. Your exact relationship with
each other is more precisely defined in a “private agreement .” A description of the property
pledged by the debtor as collateral for securing the obligation is contained in a “security
agreement.”

Significant additions in the third edition are the copyright notice ,(to be,published under “legal
notices” in the newspaper), and the new security agreement, which has been broken up into
three separate, interrelated documents. In strict accordance with Revised Article 9 dictates
and the remaining articles of the UCC, this new security agreement package affords anyone
the opportunity to fortify his/her position as never before, by reposing all property in an
airtight package impervious to legal/commercial attack, including that of IRS. The best time
for handling trouble is before it arrives, and this new package affords such opportunity.
•• ••

The most dramatic aspect of the third edition is the facility for obtaining non-judicial
judgment against any legal attacker who would insist upon using your private-property
—
TRADE NAME for financial gain without your authorization be he/she a judge, prosecutor,
IRS agent, attorney, traffic cop, government agent, anyone. Heretofore, such have used
your TRADE NAME to pad their own bank account. This no longer need be the case, as
6
Uncontestable documentary evidence proving this fact is contained within the article entitled “How to Sign When
Your Signature is Demanded” in Appendix .
7
The “U. S. Government” section - of the Los Angeles telephone directory Blue Pages lists a total of 121.5 column-
inches of government agencies/offices and phone numbers . The moneymaking machinery of the federal court
system takes up 18.5%, i. e . almost 20%, of the listings for the entire U .S. Government, This is where the money is
made. Even the listings for the 103 U .S. Post Offices located in City of Los Angeles takes up only 9.5 column-
inches of space, dwarfed by comparison with U .S. District Court listings.

Page 4 of 5 Foreword
xxxii
 each such character will face financial ruin in short order should he/she insist on using your
copyrighted property without your permission after having been noticed. The non-judicial
foreclosure process follows closely thereafter and no one has a monopoly on it.
—
The code-encrypting esquires of the Money Power have crafted the UCC , and now Revised
Article 9, for the high-speed transfer of wealth (yours) into Big Brother’s coffers without the
nuisance of consulting the courts. For this very reason, and because the Code is now
cracked, regular folks can use the same procedure for thwarting would-be legal marauders
— and can reverse the weaith-transferal flow against anyone who foolishly believes he can
take private property without just compensation.

You need not toil under the threat of “paper terrorism" of the legal system any longer. With
what is available here you can, with certainty and confidence, regain control of your life and
8 6
protect yourself, your family, and your property from the rapacious Moloch that is
—
government and separate any would-be bandit in the employ thereof from his wealth and
property if he insists on proceeding without compensating you. Helping you accomplish
these things—by unraveling the mystery, exposing the key elements, and guiding you
—
through is the aim of this manual.

Hoping your journey is a pleasant one...

With admiration

The Authors

i
r
8
Rapacious: Excessively greedy or covetous; living on prey.
9
Moloch: A Semitic deity , mentioned in the Bible, whose worship was marked by the sacrifice by burning of
children offered by their own parents; anything conceived as requiring frightful sacrifice .
Foreword Page 5 of 5
XXXUl
 :

!•"

L
 >* \

Part I
>

Section 1

Maintaining Fiscal Integrity

Functional Sovereignty

II

)
r

>

i
 1
Maintaining Fiscal Integrity
Functional Sovereignty
Caveat 2: This treatise constitutes neither the practice of law , nor the giving of legal advice,
and is for informational and educational purposes only . You are responsible for yourself
and your own actions, if you act on what you do not understand and cannot support
through knowledge and ability, any adverse consequences you may experience are entirely
a product of your own doing/omissions.

Preamble. For thousands of years the Legal Masters of the World have been steadfastly
constructing the system by which world commerce3 and taw4 mow operate. They have
developed this system by drawing from and utilizing the timejess principles of human
interaction that, over the millennia, have been discovered, distilled, and feodified These .
fundamental, common-sense principles of commercial taw, expressed in the 10 maxims
found below, underlie every other form of Jaw in existence. There is no type of legal issue,
controversy , dispute, etc . that is not covered/embraced by at least one of these 10 maxims
of commercial law . The creators of the system have achieved preeminence by knowing
these foundational principles of human interaction and encrypting them into “codes” for their
own aggrandizement, while keeping the uninitiated ignorant of such knowledge and the
means for accessing it. The pinnacle of these efforts is the Uniform Commercial Code,
“UCC." All of worid commerce now functions under, and is thoroughly entrenched in, the
UCC. However, even though the UCC has been developed and formulated for
accommodating mass exploitation and subjugation, it is but a particular codification of the
universal underlying laws of commerce, and, most importantly , can now be employed for
the benefit of the layman now that the Code has been substantially " cracked ”

The 10 foundational maxims5 of commerce, from which all codes, law, and statutes are
derived and based upon, are:

1. A workman is worthy of his hire.

2. Alt are equal under the taw (both moral and natural law).

3. In commerce truth is sovereign.

4. Truth is expressed by means of an affidavit.

5. An unrebutted affidavit stands as the truth in commerce.

Fiscal: Of or pertaining to financial matters generally.

2
Caveat : Latin, let him beware . In general a warning or emphasis for caution .
3
Commerce: Any and all interchange between people, including, but not limited by: the activity normally associated
with the term, i.e. the buying and selling (trading) of goods and services; social intercourse ; sexual intercourse
(original meaning ). All law is contract; and in every interchange between people a contract is formed; all commerce
is contract. A timeless and universal maxim of law: “Contract makes the law.”
4
Law : The rules , or body of rules, defining who alleges possession of what right/authority for using deadly force
(violence) against another.
5
For Biblical origins see Maxims of Commerce in Glossary .
Page 1 of 36 Maintaining Fiscal Integrity
2
 6. An unrebutted affidavit becomes the judgment in commerce.

7. A matter must be expressed to be resolved .

8. He who leaves the field of battle first loses by default.

9. Sacrifice is the measure of credibility (if one has neither been damaged nor
incurred a risk, and is unwilling to swear an affidavit—i.e. “true, correct, and
complete ,” the commercial equivalent of, “the truth, the whole truth, and nothing
but the truth"—on his unlimited commercial liability for the veracity of his
statements and the legitimacy of his actions , he has no credibility , and therefore
no basis for asserting claims/charges or claiming authority6).

10. A lien or claim can be satisfied only through rebuttal by counteraffidavit point-for-
point, resolution by jury , or payment.

Preface. The legal/contractual status of virtually every man , woman, and child on the planet
has become that of a slave ,7 commercial chattel8 property, a hopelessly indentured servant
in perpetuity. In commercial/legal9 matters there are only two kinds of people: debtors10 and
creditors.11 It is an all-or-nothing affair, with no middle ground. If you want the power to
exercise your innate sovereignty you must access the agreed-upon rules that provide for
your recognition as a sovereign12/creditor: the Articles of the UCC. The program outlined
herein is a system of simple contractual procedures providing the foundational steps for
regaining control of one’s commercial/legal/financial future, and brings forth the notion of
functional, if not official, sovereignty.13

Fundamentals

Codified law is precise. It revolves around how words are defined. The rules of all forms of
law are set forth in writing, words, syntax , grammar , etc. The way words are legally defined
6
This issue is so profound that even known felons and perjurers are accorded instant credibility and taken at their
word if such will swear under oath against another. Career criminals, even suspected murderers, are taken at their
word and put on the witness stand if it will serve the prosecution. When one swears under oath one presumably
—
invokes the wrath of God for bearing false witness a dire transgression, from the reciprocal effects of which there
is no escape; hence the credibility accorded anyone who so swears . For one group’s formal attempt at cheating
natural law and escaping any such wrath for bearing false witness/disavowing one’s sworn oath, see “Kol Nidre” in
Glossary.
7
Slave: A person who is wholly subject to the will of another; one who has no freedom of action, but whose person
and services are wholly under the control of another. One who is under the power of a master, and who belongs to
him; so the master may sell and dispose of his person, of his industry, and of his labor, without his being able to do
anything, have anything, or acquire anything, but what must belong to his master. Black’s law Dictionary, Fourth
Edition (1951).
8
Chattel: Personal and moveable property; includes slaves, i.e. permanently indentured servants (commercial chattel
property) by virtue of contract, i.e. operation of commercial law.
5
Commercial/Legal: Because the people of Earth have (unwittingly) bound themselves into (unconscionable)
private contracts, and because “contract makes the law,” the terms commercial and legal are essentially
interchangeable. Courtrooms are private, commercial marketplaces enforcing private corporate policy in the
administration of the court’s business (separating its customers from the fruits of their labor, as well as dictating
over customers’ freedom of action ).
,0
The word “debtor” comes from the Latin debit , literally, “ he owes.”
11
The word “creditor” comes from the Latin credit, literally, “ he trusts.”
12
Sovereign: One who possesses supreme power; of his own right, not under the power of another.
13
Sovereignty: Supreme dominion, authority, or rule. Black’s 7th. See sovereignty in Glossary.
Maintaining Fiscal Integrity Page 2 of 36
3
 is the basis of the game. Words used in commercial/legal matters have different meanings
than the same words used in everyday parlance. Deadly , destructive violence is attached ,

—
with the words and the meanings of said words—used in all legal documents and
proceedings ,

In commercial/legal matters, simply assuming that you know the meaning of a word can
cost you dearly . It is vital that you know how the words being used are defined for any hope
of knowing what is happening and why. Understand the meaning of the words and you can
go forward with confidence and certainty; remain in the dark about the meanings of key
terms and you can lose the entire game in an instant.

A Glossary of pertinent terms, with listings of key definitions re this process, has been
provided . The Glossary can save you much time in your quest for understanding, and the
value of its annotations cannot be underestimated, because contained therein are
—
insights code cracking—not offered anywhere else. However , it is strongly recommended
that you supplement your use of the Glossary with one or more of the generally accepted
.
law dictionaries, such as Black's, Bouvier's and Ballentlne’s. If you can afford it, get a copy
of both the first and most recent edition (as well as others, if possible).

As you will soon learn , no law/code/statute/definition is actually ever repealed This is an .

advent peculiar with the UCC. In the case of a controversy between an existing lawfcode/
statute/definition and one that has been repealed, the repealed law /codefstatute/definition
controls (see UCC § 1-104). Also, the difference between the first and latest editions
reveals how the Legal Masters of the World attempt to guide the destiny of all by
— —
continuously redefining and confusing the meanings of commercial/legal terms. In any
event , find out the meanings of any term of which you are not certain. Do not take anything
for granted.14

It is also recommended that you obtain a copy of the Uniform Commercial Code issued by
your State, since the UCC reigns supreme throughout America and the world. All other
codes and bodies of law are mere subsets of, and encompassed by , the UCC (see UCC 1-
—
103) and since no part of the UCC (as well as all other bodies of law, considered as
supplementing the UCC) is ever repealed, obtaining a copy of the earliest edition available
would be a good idea, as well. Universal commercial law is the functional “common law” of
the planet, and is ingrained in the Articles and sections of the UCC . The entire “civilized”
world—i.e. the cumulative mass of all governments, banks, courts, tax agencies, and
—
corporations now runs strictly in accordance with the rules of commerce as set forth in the
UCC. Deal with the source: the UCC.15

—
Whereas the first two editions of this manual, of necessity and because of the state of the
—
art at the time of composition dealt extensively with tactical measures for surviving the
ever-present menace of the U.S. judicial and tax systems, this volume has rather simplified
the entire matter, and points the way for a more wholesome, uninterrupted style of living,
free of the inherent guile, treachery, and larcenous practices of contemporary “legal
professionals," taxmen, and government actors, by thwarting mentless attacks from such
would-be pirates before anything can get rolling.

14
What you know can never hurt you . What you do not know , however, can kill you.
15
A good source for a copy of your State ’s current UCC is West Group at ( 800) 344-5009 .
Page 3 of 36 Maintaining Fiscal Integrity
4
 The Basis of the Con

You have been deceived and betrayed, and.ravaged for your kindness and trust. However,
by merely confronting the exact nature of the con you can be free of it.
- V

Life no longer need be a dangerous and unpredictable affair.

Without taking up historical and legal details at this juncture which are thoroughly—
addressed and documented in the supplementing essays and treatises in this manual, and
which are mandatory reading for a full understanding of what has happened in America, as
—
well as in most other countries of the world suffice it that you have been swindled out of
nothing less valuable than your birthright, your sovereignty, by an insidious lexical artifice:
corruption of your name.

An ancient maxim of law states:

“In order rightly to comprehend a thing, inquire first into the names, for a right knowledge of
things depends upon their names.” -

Whereas, “John Henry Doe” would signify a true name16 written in accordance with the rules
of English grammar and the prescriptions of law, “JOHN HENRY DOE,” on the other hand,
would not. A harmless variant of the original, you might say. A variant of the true name,
yes—but the operative term is corruption , and it is anything but harmless. Names of men
I and women (and boys and girls) appearing in ALL-CAPITAL LETTERS, and even
abbreviated versions (with/without initials, etc.) of true names with initial letters only
capitalized, are corporate/corporately colored renditions of a true name and do not identify
the being associated therewith; such names represent property , specifically intellectual
I property, though this fact is overlooked by almost everyone in society but the legal vampires
whose existence is predicated on its exploitation.
• . #
c

Corporate Names

Checking your driver license, credit cards, bank statement, IRS correspondence, traffic
tickets, efc., you will discover that government agencies, banks and other corporations,
courts, and tax agencies deal with you exclusively through various corrupted versions of
your true name. And these four types of organizations ruthlessly insist on dealing with you
-
only via an all caps/other corruption of your true name in any and all key documents,
contracts, accounts, and agreements with them. Their computers are generally
geared/formatted for dealing with nothing else. It is interesting that the military an aspect —
—
of government also designates its personnel exclusively in all-capital letters.

As you have seen throughout your life, corporations spell their trade names in any format, in
—
any assemblage of letters set in capitals, in lower case only, intentionally misspelled, with
numerals, and even arbitrary, non-lingual symbols—that they wish: “SUNOCO,” “citibank,”
-
“U HAUL,” “Office DEPOT," “HONDA,” “FOOD 4 LESS," “RITE AID Pharmacy,” “Kmart,"
“Toys ‘ X Us,“ “HEWLETT PACKARD,” “4-Day TIRE STORES," " VISA; “YAMAHA,"
" SEARS ,” " COMPAQ; “Toys 4 Tots,” “STATE FARM INSURANCE,” “Sav-on DRUGS,” efc.

Construction of these man-made, corporate trade names is not restricted by the bounds of
English grammar and the prescriptions of law because they are fanciful trade names, one-

16
True name: One’s given (Christian) name, plus the surname (family name). See true name in Glossary .
Maintaining Fiscal Integrity Page 4 of 36
5
 of-a-kind objects of intellectual property in themselves, and signify a unique, artificial
person, a legal entity distinct from all others. Even your personal-computer spellchecker
acknowledges this fact (type in any random set of upper- and lower-case letters on your
screen and verify spelling; then change all letters into capitals and verify spelling again: no
error will be indicated) . Names constructed outside the bounds of English grammar and the
prescriptions of law are corporate/corporately colored trade names. Legally speaking, there
is a term that identifies such entities: “ens legis ," defined as follows:
.#

“ Ens legis. L. Lat. A creature of the law; an artificial being, as contrasted with a natural
person. Applied to corporations, considered as deriving their existence entirely from the
law.” Black’s Law Dictionary, Fourth Edition , 1951, hereinafter “Black’s 4th.”

A trade name can also be trademarked, service-marked, and copyrighted by the owner for
the purpose of restricting others from unauthorized use and unjust enrichment at the
expense of the party/parties that invested in and built up the good name and reputation
(good will) of said trade name in the public mind. Statutory entities must follow statutory law
in such matters. Living, breathing, flesh-and-blood men and women, on the other hand,
need only claim/assert their copyright under the common taw.

“Common Law. As distinguished from law created by the enactment of legislatures, the
common law comprises the body of those principles and rules of action, relating to the
government and security of persons and property, which derive their authority solely from
usages and customs of immemorial antiquity, or from the judgments and decrees of the courts
recognizing, affirming, and enforcing such usages and customs; and, in this sense,
particularly the ancient, unwritten law of England . ” Black’s 4th.

Meet Your Alter Ego17

Everything has two inherent aspects: its physical/mental/splrltual manifestation, and the
abstract label describing it. This situation is characterized in semantics as the difference
between the territory and the map , i.e. the thing and its label. Whereas water is tangible
and can actually be experienced by the senses, the word “water” is only a symbol, an
abstraction of the mind, and cannot be experienced; i.e. one cannot drink the word water.

The mind is capable of imagining unlimited varieties and configurations of abstractions.

These include non-tangible concepts and mental constructs such as '‘the people,” “nation ,”
—
“corporation," “limited liability ,” “trust,” and “government” all entities ens legis. Other legal
terms describing fictitious entities are “person”18 and “artificial person.” Such cannot be
seen, nor touched, nor heard. Proper names set in all-capital letters, such as the one
appearing on your driver license, are trade names and signify artificial persons. Your name
in all-capital letters is no different from that of any other corporate trade name and signifies
a legal entity separate and distinct from you, the living, breathing man/woman. The
corporate, banking, taxation, legal, and governmental communities, collectively the
“industrial community ,” use this name exclusively when conducting business with you. Via
— —
this name and solely because of this special name all manner of goods and services are
conveyed/transmitted19 for your benefit by all artificial-person entities ens legis in the
industrial community. Such can interface with your straw man’s all-caps TRADE NAME

17
Alter ego: A second self ; an inseparable friend .
18
In law, a “ person” is not flesh-and-blood, but artificial—a creature of law or contract, i.e. the contractual aspect of
an actual man/ woman , such as a “citizen,” “driver,” and “officer of a corporation ”.
19
For a brief but thorough explanation of this phenomenon, see transmitting utility in Glossary.
Page 5 of 36 Maintaining Fiscal Integrity
6
 because all involved/irrterested parlies are artificial persons. Your role (as a man/woman) in
this scheme will be revealed shortly, but at this point in the discussion you are inextricably
linked with your all-caps STRAW MAN.

Your alter-ego straw man is defined as a “front,” a third party put up in name only for the
purpose of taking part in a transaction, i.e. a mere nominal party in a transaction. The legal
term describing such an entity is “stramineus homo ,” a Latin tern defined as follows:
“A man of straw, one of no substance, put forward as hail20 or surety21 .” Black’s Law
Dictionary , First Edition, 1891 , hereinafter “Black’s 1 st.”

A nominal-party straw man can be very useful because its creator can then accomplish
things in the name of the straw man that would not otherwise be permitted e.g. secretly
acquire property, do business with one’s enemies, etc. A creator always puts forth a straw
—
man for self-serving purposes, and is normally the only one that knows the true nature of
the straw man. Outsider parties in a transaction usually believe that the straw-man party is
unaffiliated with other parties in the transaction, thereby giving the creator the advantage of
an “extra man on the field.”

When your true name, written in accordance with the rules of English grammar and the
prescriptions of law, is corrupted into an all-capital-letters format, a mutant straw man22 is
-
created. The new all caps NAME is a legal entity (corporate/corporately colored) distinct
from you, and is the only type of “person” with whom government, courts, taxmen, banks,
and corporations will, in fact can , do business. If you do not believe this, just examine the
documents you receive from these types of organizations { i.e. Social Security card, court
records, credit cards, tax bills, permits, driver license, passport, bank statements, efc.). All
-
name entries are set in capitals exclusively—with the occasional exception of upper- and
lower-case abbreviations, i.e. initials, etc. , and then usually only in correspondence. When
some corporate/governmental entity is coming after you for payment you will never see your
true name listed as the account holder (initial letters only capitalized) in the caption of their
legal briefs, only the TRADE NAME of your straw man. Why ? This is the only way they can
do business—and that is exactly and only what it is: business. <

Many grammar books and legal publications identify permissible methods23 for displaying
proper nouns (names), one of which is the U.S. Government style manual, A Manual of
Style (2000). Chapter 17, “Courtwork,” spells out with examples acceptable ways for
presenting names, 52 variations in all, and never once recommends an all caps name -
format in court paperwork. Despite the conspicuous absence of such mandate, the caption
i —
of every single federal (and state, county, and city) court brief without exception contains
name of plaintiff and defendant, petitioner and respondent, etc. in all-capital-letter-format
—
exclusively. Since there is no legal authority requiring that proper nouns/names be set in
capital letters, why is this practice permitted, indeed enforced , excluding all others?

20
Bail: One who becomes the surety [ see footnote immediately below] for the appearance of the defendant incourt.
21
Surety: A person who is primarily liable for the payment of another’s debt or the performance of another ’s
obligation/ - Black’s Law Dictionary , Seventh Edition. 1990 .
22
Likewise, any other upper- and lower-case alteration/abbreviation of the true name, e. g. John H . Doe, John Doe* J.
H . Doe, etc .^ is also a straw man . Your true name is just that: your true name . Anything else, at least as regards the
industrial community, is a straw man.
23
For a comprehensive, unimpeachable treatment of this subject , see “Memorandum of Law on the Name” in
Appendix .
Maintaining Fiscal Integrity Page 6 of 36
7
 The people of the world have been politically and financially ravaged because they do not
know of their alter-ego, public-persona STRAW MAN . Bankrupt governments covertly
— —
create and use such straw men TRADE NAMES, actually for the purpose of “ doing
business ’’ with said TRADE NAMES (without ever openly disclosing the practice) and
siphoning wealth from otherwise sovereign men and women and conveying such proceeds
into the coffers of their creditors, the masters of the Federal Reserve/IMF syndicate. After
Redemption , 24 i.e. after redeeming/reclaiming your intellectual-property alFcaps straw-man
TRADE NAME, you can use the straw man for your own benefit, rather than endure its
continued economic exploitation and the concomitant25 economic subjugation associated
therewith.

Analyzing the Obvious

A landmark Supreme Court case of 1795, Penhallow v Doane's Administrators (3 U.S. 54;
,

1 L.Ed. 57; 3 Dali. 54), defines governments succinctly : “governments are corporations.”
Inasmuch as every government is an artificial person, an abstraction, and a creature of the
mind only, a government can interface only with other artificial persons. The imaginary^-
—
having neither actuality nor substance -is foreclosed from creating and attaining parity with
the tangible . The legal manifestation of this is that no government, as well as any law,
agency, aspect, court, etc. thereof, can concern itself with anything other than corporate,
artificial persons and the contracts between them. One might immediately dispute this
statement by pointing out that people are acted upon by agents of government and are
regulated, fined , imprisoned, plundered, brutalized, and killed by government officials every
day. True, but let us step back from the fray and take in the whole macrocosm that we call
"modern civilization."

It is fairly obvious that a thing created can never be greater than the creator that brought it
into existence. Please follow along with this syllogism26:

1. God created Man, and rules over Man ; therefore Man can never be greater than,
and can never rule over , God.

2 . Man created government, an artificial entity , as a service facility /slave; therefore

government can never be greater than , and can never rule over, Man .

3. Government then created corporations and corporately colored entities (also artificial
persons/slaves), for the purpose of ruling over them (collecting revenue)-; therefore a
corporation/corporately colored entity can never be greater than, and can never rule
over , the government that brought it into existence.
* ’ .
4. Therefore: a corporation/corporately colored entity can never be greater than/rule
over government; can never be greater than/rule over Man; can never be greater
than/rule over God.

Despite the logic of this example, and as pointed out above, anyone can look around and
see that the above hierarchy of rule is certainly not the case in America today, and likewise
"
Redemption: The act of redeeming, or the state of being redeemed. Redeem : To recover from captivity or from
total loss or alienation; hence to rescue in any way; deliver; ransom ; as, to redeem goods from a pawnbroker, to
redeem s nation. Funk & Wagnalls New Standard College Dictionary, 1947,
^
Concomitant: Existing or occurring together; attendant.
2 f>
Syllogism : A logical scheme of a formal argument consisting of a major and minor premise and a conclusion ,
which must logically be true if the premises are true.
Page 7 of 36 Maintaining Fiscal Integrity
8
almost everywhere else . 27 Simple observation tells us that government rules over people,
not the reverse. What is missing from the foregoing equation is the same thing that is
missing in your awareness about your life: the existence of your straw-man TRADE NAME,
plus your obligations coupled therewith. In the above example you, the man/woman, are
described in categories 1 and 2. Your all-caps, ens- legis straw man falls in category 3 , but
till now you were not even aware of its existence at any level.

For purposes of ruling over flesh-and-blood people , such had to be somehow corralled into
the artificial sphere , the only realm that government—being the slave of the sovereign men
and women that created it—can dictate over . Here is the two part, governmental artifice
-
that facilitated this transformation . Government:

(1) Corrupted the true names of sovereign then and women into corporately colored,
“mirror image ,” all-capital-letter TRADE NAMES at the time of falsely “required")
registration26 of the biological property via the birth certificate ,29 and omitted ^
informing people of the creation of the new netoly created , ens-legis , corporate-
franchise , “citizen of the United States”30 TRADE NAME; and then

(2) Deceived the flesh-and-blood men and women of the sovereign constituency into
unwittingly “voluntarily” contracting as surety* for the TRADE NAME, concealing
from the victims their new status, but also heartlessly31 enforcing the new obligations
without benefit of explanation . *

“ Surety . A person who is primarily liable for the payment of another’s debt or the
performance of another’s obligation .” Book’s Law Dictionary , Seventh Edition,
1990, hereinafter “Black’s 7th .”

The device and practice under “(1)'’ above , committed via an officially authorized subterfuge
known as a “legal fiction , ”32 opens the door so government actors can literally ' pretend a
false reality into existence and then act on it without any obligation of notifying anyone
about it. Under “(2)," actors in government have secretly created contracts of “suretyship”—
27
- -
One of only two inhabited jurisdictions on the planet where this is not the case is tiny Sark, a one squar e mile
island nation in the English Channel, and the societal paradigm -most closely approximating utopia 6ri; this, the third
-
orb from the dwarf star Sol: population: 550; average Sarkee net worth: approximately SlO anillion USD; types of
taxes: alcohol and tobacco only; number of tax collectors other than for alcohol and tobacco: zero (curious taxmen
are immediately arrested and placed in the dungeon, where they spend the night before being put on the first ferry

-
- —
off the island the next morning ); other sources of government revenue: voluntary donations only (the only
governmental revenue- raising project undertaken in the last 700 years was for two public toilets all proceeds were
voluntarily donated); number of tax treaties with other countries: zero; non member of International Monetary Fund;
non member of United Nations; government leaders: 1 Seneschal and 1 Seigneifr; members of parliament : 40
— - -
freehold (in allodium se4 allodium in Glossary ) property holders; countries with visa free travel for Sark passport
holders: 80 (most of all passports). There are only two Other such politically uhcoritammated jurisdictions on Earth :
one is burgeoning at this writing and the other is uninhabited .
** Registration of anything is a voluntary act of surrender of custody of the property and the establishment of an
account (that can be charged) ur the name given.
29
The birth certificate is the official security instrument for the property, Le. the name, which held (in trust) by the
custodian, the State Registrar , For specifics see birth certificate in Glossary. . .. .
30
- - -
The all caps TRADE NAME is a 14th Amendment, artificial-person, corporate franchise "citizen of the United
—
—
States,” the only kind of uUrS. citizen” in existence as contrasted with an “ American Citizen,” a sovereign, flesh-
1 7

-
and blood man/woman (.see “The Demise of the American Constitutional Republic” in Appendix ) as well as an
“ individual,” le. “U .S. Government employee” ( see individual in Glossary ).
31
For an entertaining perspective on the heartless nature of commerce, see Wizard df Oz, The in Glossafy.
32
Legal fiction: “Something assumed in law to be fact irrespective of the' truth or accuracy of that assumption ,”
-
Merriam Webster’s Dictionary of Law (1996),
Maintaining Fiscal Integrity Page 8 of 36
9
. ».
 but without informing prospective sureties—thereby establishing an ongoing Machiavellian
scheme whereby a sovereign man/woman can be treated as the equivalent of his/her inert,
inanimate, artificial, paper- and-ink , corporately colored counterpart (STRAW MAN) once the
mark (intended victim in a confidence game) has been suckered into the “contract.”

Suretyship33

Suretyship is defined as:

“The legal relation that arises when one party assumes liability for a debt, default, or other
failing of a second party ”; and

“The liability of both parties begins simultaneously. In other words, under a contract of
suretyship, a surety becomes a party to the principal obligation." Black’s 7th .

Suretyship is further clarified as follows:

“The contract of suretyship may be entered into by all persons who are sui juris* , and
capable of entering into other contracts.. .." Bouvier’s Law Dictionary, Sixth Edition, 1856,
hereinafter “Bouvier’s 6th . ”

*“Sui juris. Lat. Of his own right; possessing full social and civil right; not under any
legal disability, or the power of another, or guardianship.” Black’s 4th .

A surety is equally liable for the obligations of the principal he is bonded with. However, as
you can see in the Bouvier’s definition above, only a sui juris man/woman is capable of
becoming a surety. Examining the definition of “sui juris" more closely , you can discover
that this is an artfully watered-down, camouflaged term for the legal equivalent of a
sovereign . "Of his own right;... not under.. the power of another ...”

Re suretyship, what this means is that, in the eyes of the law, only a sui juris, sovereign,
self-governing, responsible man/woman possesses, and can exercise, full right and power,
and is legally qualified and eligible , for being hoodwinked, conned, deceived, bamboozled,
swindled, shafted , cheated, hornswoggled, defrauded, scammed, duped , tricked, trapped,
and suckered into becoming a surety for his/her intangible, artificial, mirror-image, paper-
and-ink, straw-man TRADE NAME .

Hence, the following inescapable conclusion:

Were you not such a sovereign, self-governing, sui juris, responsible party
in the first place, you could never have become a surety for anyone/
anything else (STRAW MAN) anytime thereafter.

Thus, we have uncovered the answer for the apparent conundrum cited above re
government ruling over Man: a sovereign man/woman has the sovereign right and power for
contracting away his/ her sovereign rights and power if he/she , in his/her sovereign capacity,
—
so chooses otherwise legally known as an unconscionable bargain ,34 but "business as
usual” for the Legal Masters of the World. And your self-appointed rulers need only the
33
For a comprehensive examination of this most significant of subjects concerning all “citizens of the United
States,” see “The Curse of Co-Suretyship” in this section .
34
Unconscionable bargain: A contract which no man in his senses, not under delusion, would make , on the one
hand, and which no fair and honest man would accept , on the other . Black ' s Ist .
Page 9 of 36 Maintaining Fiscal Integrity
10
. i
minutest justification for inflicting the full fury of their wrath upon you. Until recently, all such
“contracts" were secret , invisible, and unknown for everyone but the man-haters that
devised them and the hellhounds that enforce them. In your particular circumstance the
artificial , all- caps STRAW MAN is the principal, and you , the living , breathing, flesh-and-
blood man/woman , the unwitting surety .

The Underlying Con Beneath the Con

Likely you are following this essay and have a good grasp of the concepts set forth so far
and are interested in carrying forward and gaining more understanding about how these
things apply in your life and what you can do about it. But let us digress for a moment.

A great number of Americans have figured out that the all- caps corruption of their true name
is somehow being used against them, and we shall thoroughly address that issue
momentarily , However, there is an even subtler con underway concerning the name , and it
has been so well designed and orchestrated that almost no one has even conceived of the
possibility of its existence. Although knowledge of this particular stratagem35 is not
necessary for application of the practical remedies contained herein, there is ho surety in
existence that cannot benefit from its revelation, no matter the degree of understanding. It
reflects the very essence , basis , and nature of your position in American society .

Let us take two entities , one actual—the man/woman known as the king/queen of the State
36
of Great Britain—and one artificial—the State of United States (a sub-jurisdiction under
aegis of the Crown, a front for the Legal Masters of the World)—and examine a peculiar
right claimed by each. The sovereign in Great Britain must consent before he/she can be
37
sued in the royal courts . United States , the ‘proclaimed sovereign” on this side of the
Atlantic, must also consent before it can become the subject of a lawsuit In its own courts:
“The sovereign, whether the term be used with respect to a state or to the chief ruler of one , is
accorded an immunity from suit in courts of justice. This doctrine obtains both in England
and in this country It is a general rule that the sovereign cannot be sued in his own court
4 4 4
*

without his consent ” From the definition of sovereign , Bouvier’ s 8th .

» » »

How is it that any such claim of right can be made by these parties? Why must we obtain
permission before suing either of them? The answer for these questions reveals a tactical
source-point of the current physical, mental, and spiritual dilemmafacing mankind.

“Appellation”

Appellation , a rather obscure word in the English language , is defined as follows:

“fa. Fr .appellation ( 13th c ., ad. L . appellation-em , of action f. appellare <to accost, address,
call upon> . . . ]
“I. Appealing, appeal [from O. Fr. apeler . } Obs. '
'

“ 1 . The action of appealing to a higher court or authority against die decision of an inferior
one ; the appeal so made . . .
35
Stratagem: A maneuver designed to deceive or outwit an enemy in war; a deceptive scheme for obtaining an
advantage.
36
37
-
United States is a singular proper noun and represents a city state domiciled in Washington, DC.
This is a hoax perpetrated via the doctrine of legal fiction, i. e . pretending a false reality into existence. No
artificial person can be sovereign/self-determined over anything . The sovereign in America is the sovereign
constituency , i, e . the people, the American Citizens. See sovereignty in Glossary .
Maintaining Fiscal Integrity Page 10 of 36
11
 “ b. Ground of appeal, title, claim. Obs. Rare.
“2. gen. The action of appealing or calling on; entreaty, or earnest address. Obs.
.
“II Calling, designation [from later Fr. apeller , or L. appelldre . ]
“3. The action of calling by a name; nomenclature.
“ 4. A designation, name or title given: a. to a particular person or thing.
.
“ b to a class: A descriptive or connotative name.”
The Oxford English Dictionary. 1971.

.
“1 A name or title ,
“2. The act of naming or calling.”
Funk & Wagnalts Standard Dictionary of the English Language, Int’l Edition, 1958.

“Act of calling by a name;.. .a name or designation’’ .

Webster’s Collegiate Dictionary, Fifth Edition, 1947.

Appellation is spelled identically in both French and English . In French , the word means:
un.f. appealing, calling, naming, appellation.”
-
Cassell’s French-English and English Ffench Dictionary .
Though this word has come our way through French , its ultimate origin is Latin:

“ Appellato, onis,/ accosting; appeal; calling by name; name, title ; pronunciation."

Burt’s Latin-English Dictionary, 1926.

The word accost appears prominently in .the Latin origin of appellation and is defined
*
• • * *
' *
*
1 • '
as: .

“To speak to first; address; greet . ..

“Manner or act of addressing; greeting.”
Funk & Wagnalls Standard Dictionary of the English Language, Int’l Edition, 1958.

This and other French words made their way into the English-speaking world courtesy of
the Norman French attorneys accompanying William of Normandy, a/k/a, Duke of Normandy
and William the Conqueror , following the inglorious Battle of Hastings ( England) in the year
1066 A. D. The corrupted French dialect of the Normans was then immediately installed in
the legal system , and Englishmen unlearned in the new language ( i.e. nearly all) Were
thereby effectively foreclosed from any adequate legal defense of themselves and their
—
property against the tyrant king’s esquires30 in the courts and so experienced economic
annihilation . As with many other impediments in the language of the legal system , Norman
French attorneys are at the bottom of the obscurity of the word appellation , as well.

Of the first four definitions of appellation in The Oxford English Dictionary, hereinafter
“OED ," {the world 's most respected lexical authority), we are told ; that three of them are
obsolete (“obs.” ); the only “valid ” one being “1 , ” i.e. “The action of appealing to a higher
court or authority against the decision of an inferior one; the appeal so made , ” even though
the so-called "obsolete” usages are in complete harmony with the only “ modem " definition .
* *
• •
*
! . ‘

The reason proper usage of this word is labeled “obsolete” by the king 's esquires on staff at
OED; the reason this word is not defined in law dictionaries; the reason most people believe

38
Esquire: Attorney .
Page 11 of 36 Maintaining Fiscal Integrity
12
that an appellation is nothing but an archaic synonym for a name (e.g: '‘Chri$tian
appellation”); the reason people generally have a reverse conceptual understanding of the
meaning of this obscure term is the same reason that Big Brother caHs himsetf/itself a
“sovereign,” and you, a “subject,” and why you must first obtain permission from the
Crown/United States39 before suing: political subjugation and compelled allegiance (another
word with Norman French origins).

As can be seen from the etymologies and definitions above, appellSt o is the Latin root for
" an appealing to " “a calling out to ,” “ a pronouncing of a name/titie ,” " an accosting (a
—
speaking to, addressing, greeting of another)" the idea of a "name” is a secondary,
derivative aspect. Consulting the original Latin meaning, and later French usage, the
essence of an appellation is “ the action of making an appeal/calling out/addressing
.
another /' i. e. “ an act for getting another’s attention ” One makes contact with another by
emitting an appellation. Even when considered as a name, an appellation is not a crippling,
ball-and-chain claim on your existence; as a sovereign , your appellation is merely your
cue/signal that someone is reaching out and desires communication fromAvitH you. This is
why the so-called "sovereigns," the Crown and United States, require that their approval be
obtained before suit is initiated: they evaluate the appellation and decide if they want it.

Sadly, most people have identified with their name and believe that when it is called they
are obligated in responding as requested/ordered, as though use of the name somehow
exerted control over their freedom of locomotion and the disposition of their personal
—
property. This is wrongheaded but those who control the publishing of textbooks and
newspapers and dictate over government, the media, and the legal system have
40
nevertheless successfully inculcated this infirmity into our collective consciousness.

A name is a piece of property—and can even be copyrighted. You are not your property/
not your name. An appellation differs from a name in that it is something that originates
-
with another: it is an earnest plea for communication. The so called obsolete definition “2”
in the OED is the true, modern meaning of the term:
-
“The action of appealing or calling on; entreaty , or earnest address.”

Others use an appellation for addressing you, accosting you, calling out for you, making an

.
—
appeal of you, and getting your attention and what you do following such appeal is entirely
your own choosing This is as true for your neighbor down the street as it is for an IRS
agent. When someone makes an appellation for the purpose of taking legal action against
the Crown , the Crown takes note of the appellation and issues a decision. Arty sovereign
must agree that he can be sued and that he is liable before another can proceed against
—
him and this is true for any sovereign, including you, irrespective of any lack of awareness
on your part of your own omnipotence.

People in America have lost sight of the fact that they are sovereigns and that nothing can
be foisted upon them without their agreement. This is a fact pf life, hot an invented truth of
this text. -No one can be legally victimized without his/her consent: v However, we have been
beaten down by the legal system with such vehemence, taxed (robbed) with such righteous
fervor, and brutalized and even killed by officers of our own government with such callous

29
United States Inc. has long since waived immunity virtually across the boards based on corporate status and
. activity. =
40
Inculcate: To impress upon the mind by frequent and emphatic repetition, instill .
Maintaining Fiscal Integrity Page 12 of 36
 indifference for so long that people have lost sight of who the boss is and who the servant is
—and who they really are.
-
A name is a piece of property; it is not the living, breathing, flesh-and blood man associated
therewith. When someone asks for your name—and you give it to him you voluntarily —
surrender your property and consensually agree with whatever he wants to do with it. In the
case of a judge, this can be extremely dangerous. All the different names you have gone
by throughout your life are simply means of addressing you, ways of calling you, and have
no more importance than you accord them. If you choose to respond when someone uses
your properly (your common-law-copyrighted name) to get your attention, and then go into
contract, that is your sovereign, self-determined choice. Take a look at the following
exchange (“Judge” could just as easily be replaced with “Officer," “Detective,” Agent,” etc ) : .
Judge: What is your name?
Sovereign: No, it is not.
Judge: What do you mean?
Sovereign: I mean "What” is not my name.
Judge: / am asking for your name.
Sovereign: Well, I have lots of names. Which one are you talking about?
Judge: I ‘m talking about your real name. What is it?
Sovereign: My parents call me "son,” my friends call me "JLEFTY;' and my dog calls
me " WoofT These names are very real to me and I usually respond to
each. What name are you interested in?
, .

—
#

Judge: I’m not interested in playing word games with you and you will show
respect for this court! Are you " JOHN HENRY DOE”?
Sovereign: The name you just mentioned is common-law-copyrighted property,
and I am the owner of that particular property. In fact, I have given
public notice of my ownership of that property by publishing in the
newspaper . If you want to use that piece of property again I need to
inform you that there is a fee for its use, set forth in the Copyright
Notice, and it' s a fairly steep fee, but I will waive the charge you just
incurred if you elect not to use it again. What would you like to do?-
Judge: I don’t know what you think you’re doing, Mister, but you’re about to
get into deep trouble.
Sovereign: *Mister* is not a name of mine.
Judge: Look, whatever-your-name-is, I am commanding you to identify
yourself or be held in contempt of court! Bailiff!
Sovereign: / apologize for any misunderstanding, because it is certainly not my
intention to show contempt for this court. I am only interested in
protecting my property rights. Are you commanding me to surrender
my private property for your use without compensating me? 1

Judge: I most certainly am not; I am merely asking for your name.

Sovereign: Well, my name is my property and I do not give away any of my
names for the use of others without being compensated in accordance

Page 13 of 36 Maintaining Fiscal Integrity

M
 with the use-fees as published in my Copyright Notice. /As far es I can
tell, the only reason you want the name is to use it so the court can
make money. Is that correct?
Judge: That is not correct! I need to know who you are so we can proceed
with the businbss of the court.
Sovereign: You bring up a good point: If you do not know who I am, then why do
you want you do business with me, and why are we here?
Judge: You are testing the limits of my patience, sir. GIVE ME YOUR NAME!
Sovereign: You want to know what to call me?
Judge: That would do fine.
Sovereign: You can call me “ Secured Party.”
Judge : This is not going to go on much longer, my friend! Very well, Mr.
Secured Party. Where do you live?
Sovereign: / live within the confines of my skin.
Judge: (Dropping his head into his hands, slapping his forehead with both
palms, then looking up.) WHAT IS YOUR ADDRESS?!
Sovereign: I don't have an address. See for yourself (slowly does a 360° spin,
arms held away from body) .
Judge: Where do you sleep at night?
Sovereign: In a bed, usually. Sometimes, in a sleeping bag.
Judge: I mean, which building do you sleep in at night?
Sovereign: Like I said, I don’t sleep in a building. I sleep in a bed.
Judge : Sir, Secured Party, whoever you are. . you can have a seat over there
and we will take this up after lunch!

Nothing got started, and nothing ever got started, even after lunch. The sovereign was
truthful and respectful the whole time—and he never gave away his private ^property for the
41
use of the court (who would open an account and lodge pecuniary charges in it). The
sovereign kept his cool because he knew that the only thing the judge wanted him to do
was voluntarily surrender his private property for the use of the court—without
compensation . The judge knew that the sovereign understood what was happening, apd so
gave up. Once you understand that this is all that is going on in a courtroom (and
elsewhere), then you will be able to think on your feet and make the right moves, too.

The world runs on the initiative of about 5% of the people (target audience of this manual):
the rest need orders. The consensus of the other 95% on the subject of. one’s relationship
with government , banks , tax agencies , courts , and corporations (all separate realms) is
defective in that such inert abstractions have been accorded superiority over living beings.
Governments are transitory mental contrivances set up by the clever few for the purpose of
living off the efforts of the trusting many—a generalization, yes, but also the truth.

41
Pecuniary: Of or relating to money.
Maintaining Fiscal Integrity Page 14 of 36
IS
 That you may have, at some point , lost sight of the fact that you are sovereign is not a
denigration42 of who you are. The entire population of this country this planet, has been
^
systematically shafted through inconceivably complex mechanisms in the field of
commerce, law, and finance by the same small tribe of brilliant sociopathic madmen hell-
bent on its subjugation. You cannot disparage yourself because you fell prey, along with
others, and were betrayed by those in whom you placed trust. But you can begin dealing
with the situation from the proper viewpoint, and that is as a self governing, fully -
—
accountable, responsible man/woman who can control- and is /n control of his/her own
political/economic destiny, despite the apparently overwhelming odds stacked against you
—
.
Knowing that "you are not your name,” that you , the sovereign, can take legal possession of
your name in all its forms (like any other piece of property), and that the option of
accepting/rejecting any “appellation’' from any party that comes your way is strictly yours in
your sovereign capacity, will speed your course. The real-life, proven , practical solutions
contained in this handbook are humbly tendered for assisting you in accomplishing these
aims, actualizing your true nature, and enjoying the realization of your dreams.
'

Unrevealed Obligations

There are 60+ million statutes on the books and over three million different law books on file
in the Library of Congress. 43 Your straw man—-and you by default, as surety is
responsible for knowing and complying flawlessly with the letter of the taw in every single
—
statute in existence,44 because “everyone is presumed to know the law” and “ignorance of
the law is no excuse.”45 If the Word Manipulators who claim the legal title of the straw man
.with which you are presumed contractually unified, decide that they will tax, fine, regulate,
rob, incarcerate, and possibly even kill the abstract straw man, then you, the physical/
biological being, "go along for the statutory ride” and experience the consequences in
reality. In such legal status you are devoid of capacity46 for asserting/enforcing any rights;
you have no standing in law, i.e. a slave cannot sue his master/owner.

Through other such governmental legal fictions, with penalties for things as innocent as
paying your straw man’s Social Security payroll taxes, accepting “free” detivery of mail from
the United States Postal Service, and taking out licenses issued in the straw man's TRADE
NAME, otherwise sovereign men and women are unwittingly set up to have their lives
utterly destroyed by Big Brother for “voluntarily” contracting as a surety for the straw man.
As it turns out, the STRAW MAN is also responsible, jointly and severally47 with other straw-
men-debtor Social Security Account-holders, for payment of the “national debtfif ®; thereby
making any man/woman with a Social Security card in his/her possession equafly liable, as
a co-surety ) 49 for payment of the national debt.

42
Denigrate: To slander, cast aspersions on; sully; defame. •• A
43
Three million average- size law books take up approximately linear miles
80 of library bookshe lf space . ,
44
At the inception of this country a -man faced a total of only three possible crimes: Treason, Counterfeiting, Piracy .
45
Origin of this saying: Hanging of the Witches , 1655 ,
45
Capacity: Ability ; qualification ; legal power or right . See capacity m! Glossary.
47
Jointly and severally: In a fashion both common/shared, as well as distinct/separate; meaning that fehile there may
be multiple debtors who are mutually liable for the same obligation , the entire obligation may be obtained from any
single debtor.
48
The so -called “National Debt” is the financial obligation of the U ,S. Government claimed by the Federal Reserve
Bank , based on use of the Fed’ s private property, (valueless/unredeemable ) Federal Reserve Notes, as currency .
49
Co-surety: A surety who shares the cost of performing suretyship obligations with another .
Page 15 of 36 Maintaining Fiscal Integrity
16
The Social Security Account is the straw man’s account and is listed in your straw man's
“TRADE NAME,” not <your “True Name .” In Helverinq v. Davis (301 U S; 619, 57 S.Ct. 81
LEd. 1307, 904), the U S. Supreme Court ruled that Social Security is neither an insurance
nor a retirement program, but a welfare program.50 Because of this fact, application for, and
use of, a Social Security Account Number (SSAN), for one thing, is a tacit confession that
one is so incompetent in managing his/her own affairs that he/she must appoint the U.S.
Government as his/her “guardian’” dnd seek eligibility for welfare payments. Such defective
status is also known by other names, such as "child of the state* and “ward of the court, ”51
and is legally known as the doctrine of " parens patriae " 52 wherein the state is considered
the legal parent/guardian of those "under disability,” and “unable to care for themselves.”
When you paid the first penny of the straw man’s Social Security payroll taxes you executed
the contract and confirmed that the straw man—and you by default fas surety)—was a child
of the state , incapable of managing its own affairs , and needful of guardianship.

Also , in Flemming w Nestor / 363 U.S. 603 , 4 L. Ed.2d 1435, 80 S.Ct. 1367 (I960))53 the
U.S. Supreme Court ruled that those who have paid in Social Security taxes over their
lifetime have no vested interest in Social Security. No vested interest means that payment
of Social Security benefits from the Social Security System is optional/discretionary and not
obligatory. Thus, by law and by contract, when a Social Security taxpayer retires,
FICA /Social Security System has no obligation for compensating the retiree/taxpayer. This
is another reason why Social Security is an unconscionable bargain/contract.54
All of your accounts, certificates , securities , licenses, permits, etc. are in the name of your
ens-legis , straw-man TRADE NAME. All accounts are the straw man's accounts, not yours.
You are the surety attached thereto , and the party that everyone goes after for payment and
specific performance because, between you and the straw man , you ate the only one with 1

the warm breath capable of fogging a mirror. You are a sitting duck waiting to be blasted
until you rectify this situation—and this is where the contept of “Redemption” enters in.

Doing Business Under Your TRADE NAME

r •
. • * .

Corporate names, corporately colored names, trade names, marks, trademarks , and service
marks are private property of someone , and all can be claimed as such. Government
accepted custody of the name (property) when the newborn was registered* via the original
birth record/document. The straw man was “born”55 on the first document emitted by
government that referenced the name , if not on the original record/document itself.
Sometimes the initial document is the Social Security card; sometimes it is a “CERTIFICATE
OF LIVE BIRTH.” There are literally dozens of variations of the birth certificate, as harmless
as “Hospital” birth certificate and as profound as “Department of Commerce" and even
“Federal Security Agency” birth certificates. However , because everything about you is
notated/registered/assigned/listed/vested in the name of, and accessed via , the straw man’s
TRADE NAME, all property is considered the straw man’s property for purposes of acting
50
See “The Curse of Co-Suretyship” Section 3 for details.
31
Wards of court: Infants and persons of unsound mind. Black's 4 th.
52
Parens patriae: [Latin “parent of Ms or her country”) The state regarded as a sovereign; the state in its capacity as
provider of protection to those unable to care for themselves. Black ’s 7th. <
3
See “The Curse of Co-Suretyship” Section 3 for details .
54
For a comprehensive treatment of the Social Security confidence game and the enormous liabilities of co-
suretyship, see “The Curse of Co-Suretyship” in Section 3; must-reading for anyone with a Social Security card.
55
The legal definition of the word “birth” in Black ’ s 1 st accommodates both the animated life of the newborn baby
and the statutory creation of the straw-man TRADE NAME: “Birth: The act of being bom or wholly brought into
separate existence .”
Maintaining Fiscal Integrity Page 16 of 36
17
r #
.
<!
T
 out the charade that anyone other than the state owns anything.56 However superficial this
policy may be in terms of what actually transpires when a citizen finds himself in one of Big
Brother's shakedowns, it is nonetheless an essential public relations tool for maintaining
order within the flock as individual sheep are cornered and shorn.
. • .. . . . «

In terms of finance, commerce, and law , the entire planet actually functions in a mirror-
image world of reality, anchored by private money that represents liability-—not substance—
i. e . Federal Reserve Notes , “FRNs.’ We all live in a corporate bubble , literally the “Federal
1

Reserve/IMF Plantation.” Government, a bankrupt front and sham entity for; the Federal
Reserve/IMF creditors, has no other way of doing business with you and managing the
accounting ledgers other than by using the name of the artificial person contrived from your
true name set in capital letters/abbreviated:
. • t . ..
57
True name , initial letters only capitalized = de;ure /solvent/sovereign/ftesh- and-
blood/American Citizen/creditor

ALL-CAPS/abbreviated TRADE NAME - de facfo58/bankrupt/subject/ink-on-paper/

"citizen of the United States”/debtor

Under the current paradigm,59 there is no other way the industrial community can do
business with you60—and that is ail it is: business/ commerce tour TRADE NAME is the,

name by which all of your products and services are identified and known in commerce.
Trademarks

Trademark is defined as:

“A word , phrase , logo, or other graphic symbol used by a manufacturer or seller to
distinguish its product or products from those of others. •The main purpose of a trademark
is to guarantee a product’s genuineness. In effect, the trademark is the commercial substitute
for one’s signature . . . . In its broadest sense , the term trademark includes a servicemark . -
Often shortened to mark . . . ." Black’s 7th .

Your true name cannot be classified as a “word, phrase, logo, or other graphic symbol”
because it is constructed in accordance with the rules of English grammar. Your true name
corrupted into an all-capital-letters format, however, eminently qualifies as a “word, phrase ,
logo, or other graphic symbol’' and also a “commercial substitute for one’s signature,”
because such an assemblage/concoction of letters cannot be defined/classified in any other
way . The ALL-CAPS realm is a corporate realm and none other .

Common-law trade -mark is defined as:

“One appropriated under common - law rules, regardless of statutes.” Black’s 4th.
56 «
. . . The ownership of all property is in the State ; individual so-called ownership is only by virtue of government,
i.e . law amounting to mere user; and use must be in accordance with law and subordinate to the necessities of the
State ” See Senate Document 43, 73 rd Congress, l 1? Session ixi Glossary.
57
De jure: Of right; legitimate; lawful; by right and just title. 1» this sense it is the opposite of de facto.
58
De facto'. This phrase is used to characterize an officer, a government, a past action, or a state of affairs which
must be accepted for all practical purposes, but is illegal or illegitimate . i •
'. ;

59
Paradigm: Any pattern or example; model .
For documentary proof of this fact from the Federal Reserve, see “How to Sign Your Signature Without Liability”
on page 315 in Section 10, Handling Presentments.
Page 17 of 36 Maintaining F iscal Integrity
18
• !
This is why you need not consult statutory law and secure approval from any governmental
agency in appropriating (claiming) and enforcing a common-law copyright on your
trademark ,61 i.e. your “TRADE NAME.”

Your services (labor) are delivered , billed , and paid for via this trademark/servicemark,
which encompasses everything about you in the world of commerce because it is via that
entity that commercial interface is achieved . When we lost the gold-backed currency we
lost personal accountability and took on corporate limited liability; we lost the capability for
extinguishing (terminating) a debt with substance (gold), and took on the mechanism for
merely discharging a debt (placing the debt in limbo/suspension) with privately owned
liability instruments (FRNs). Your TRADE NAME/trademark is your ticket for doing
business with the modern, bankrupt industrial community, and uniquely identifies all
products and services brought into existence by your hand. Your only real shortcoming was
that you were unaware that your TRADE NAME/trademark was just that. You have been
conducting your life as though you were dealing with other true-name, sovereign men and
women, when in actuality both you and the people you have been dealing with have been
operating via a camouflaged , corporately colored , artificial-person TRADE NAME trafficking
in privately owned, valueless Federal Reserve Notes .62 The reason that all industrial-
community computers have only “all-caps capability” for displaying the names of customers
should now be clear.

Sovereignty63

" The Federal Resen/ e is not an agency of Government It is a private

banking monopoly.... The policies of the monarch are always those of his
creditors."
Congressman John R . Rarick, Congressional Record, February 1 , 1971

The dilemma of operating in today's political environment pans out like this: almost every
government in existence has been bankrupted by the same, small tribe of Luciferian
shysters , and the notion of a trustworthy, principled, and self-determined politico is a subject
reserved for the history books .64 As Congressman Rarick so astutely pointed but 30 years
ago , the actual sovereigns are the creditors in finance/commerce , not the national puppets
promoted on TV and in the newspapers. The disinformation circus run by the media (also a
controlled monopoly of the Money Power) is an indispensable component of the global con
because the Federal Reserve creditors are so few in number they could easily be

61
The use of trade-marks is as old as commerce itself The conventional trade-mark is a part of what is called ‘the
it

symbolism of commerce' (Browne on Trade-marks, Second Edition, Sections 1 , 26) ” Ruhstrat v. The People of the
State of Illinois, 185 Ill. 133 ; 57 N .E. 41 .
62
-
The proclaimed ‘Value” of Federal Reserve Notes, FRNs, ” is their so called “purchasing power,” which amounts
to nothing more than people' s collective lack of awareness of the con. For a very brief period in history FRNs could
be redeemed for iawfiil money, but that facility vanished with the lawful money. FRNs can no longer be redeemed
for anything of value (including the debased , token metallic coins in circulation). People hove confidence that FRNs
will continue being accepted in exchange for items of substance, so people keep accepting FRNs in exchange for the
goods and services they offer. The only “value” of a FRN is its prospect for being accepted by the next guy in
exchange for the goods and services he is selling. FRNs are fiat (by decree) money issued by the holders of the
-
monopoly on the medium of exchange , and penalties for their use are enforced via military and quasi military
measures. See Secretaryin Glossary* .
63
Sovereignty: Supreme dominion, authority, or rule . Black's 7th. “Sovereignty itself is, of course* not subject to
law, for it is the author and source of law.. ” Yick Wo v. Hopkins, 118 U.S, 356; 6 S.Ct. 1064 (1886).
64
Although others may exist, Congressman Ron Paul from Texas is the only contemporary DC politician that your
authors are aware of who is an exception re this characterization.
Maintaining Fiscal Integrity Page 18 of 36
19
 — —
exterminated so they believe If identified by even a small segment of the population.
People must be made to believe that governmental leaders are acting autonomously,' with
the best interests of the people at heart, if the scam hastily chanfee of enduring.

When a sovereign borrows/accepts credit, he/she takes on a creditor, and the creditor
inherits supreme claim over the sovereign’s realm. The “laws” of the U S. Government are
—
the policies of the Federal Reserve/IMF creditors officially , corporately, legally, and
otherwise 65 Politicians are now even called “policy-makers,” instead of just their original
(spurious) moniker, "lawmakers." “Public policy ” is the watchword and credo of all U.S.
political and judicial (legal) undertakings. The creditors dictate over the full spectrum of
—
governmental activity in America with an iron fist from the highest office in the land, all the
way dowh into a governmental activity as apparently mundane as “parking tickets" (leading
source of revenue for ail major, and many smaller, American municipalities) .

A sovereign is the author and source of ail law in his own realm, a subject of no one If the .
creditor is the one who sets the policy (makes the laws) of the monarch, it is easily
discernible that the real sovereign is the creditor of the U.S. Government, not the smiling
politician chirping sound bites and performing for the camera. How does one get
established as a creditor/sovereign and become the author and source of all law with which
one is associated? Answer:

By becoming the soie source and arbiter of all terms and conditions of
every private, consensual contract under which one “does business” with
Big Brother , and alt others, as well.

This is an apparently tall order at first glance, but realistically attainable if equipped with the
right knowledge.

Consensual Contracts

A member of the sovereign constituency is guaranteed many rights under the Constitution
of the United States of America, 1787. Possibly the most significant paramount right is that
of contracting with whomever one desires and, in such event, that any obligations
associated therewith shall not be impaired by any outside (third) party. The most
widespread, debilitating malady current y afflicting nearly all sovereigns in America is the
proclivity for capitulating when pressured by one of Big Brother’s operatives, e g. attorneys,
judges, traffic cops, IRS agents, etc. , and consenting and doing business under whatever
terms said operative dictates.

This affliction is contracted in a number of ways, one of which is through ignorance of the
true nature of modern government, i.e. a for-profit, insolvent , commercial undertaking.
Having left the realm of a de jure political operation “of, by, and for the People” upon
incorporation in 1871,66 all governmental busifiess in America today is strictly private,
confirmed in Clearfield Trust Co. V. United States (318 U.S. 363; 63 S.Ct. 573 (1943)):
65
All U .S. “law” is copyrighted property of the following British corporations: the Thompson Group, LLC, LTD,
with offices located In Montreal , Quebec, Canada owns, inter alia: West Publishing Company; Barclays . West
Group; Bancroft Whitney; Clark Bordman , Callaghan ; Legal Solutions; Rutter Group; Warren, Gorham & Lamont;
Lawyer’ s Coop; Reed Elsevier owns, inter alia : Lexis; Deerings Codes . It has also been confirmed that Black's
Law Dictionary is copyrighted British law .
66
The U . S . Government incorporated as a for-profit, commercial enterprise in the Legislative Act of February 21 ,
1871 , Forty- first Congress , Session III, Chapter 62, page 419, and chartered a Federal company entitled “United
States, ” i.e . “ United States [ 1871 ],” a/k/a “US Inc . ,” a “Commercial Agency” originally designated as “Washington,
Page 19 of 36 Maintaining Fiscal Integrity
20
 “Governments descend to the level of a mere corporation and take on the charactef of a
private citizen [as art issuer of private , corporate , commercial paper, i .e. securities ] , . . For
purposes of suit, such corporations and entities are regarded as an entity entirely separate
from government .”
When an American sovereign is approached by any of the numerous kinds of government
revenue agents acting on behalf of the Federal Reserve creditors , the contact is for the
purpose of collecting d&bf 7 (Federal Reserve Notes = debt), not lawful money (gold and
silver coin), and not for anything as far-fetched as securing the noble ideals espoused ih the
Declaration of Independence and the Constitution, and otherwise generally associated with
“the American way of life.”68
• . . . • #
• . . . • • • .
1 * .

When Big Brother’s hatchet men come calling , they grant you full importance and respect
for the sovereign that you are; i.e. for knowing that ail your actions are self-determined, and
for knowing exactly what you are doing and with whom you are doing it. You see , all
government and quasi-governmental actors are jiist out there beating the bushes , scaring
up business , and it is fully expected that you , the sovereign , are aware of this fact. Giving
you an education on civics and current events (national bankruptcy, non substance -
commercial scrip69 for currency , sham government , occupation by foreign military officers , 70
unconscionable co-suretyship obligations71 for the debt of the U.S . Government, etc . ) is not
part of their job description. Therefore, whenever you enter into an exchange with a
government revenue officer you provide tacit consent and “execute” the contract
established thereby (government’s paramount objective—above all others—is acquisition of
your wealth/money/property/assets) .

This phenomenon is no different than walking into a restaurant , examining the menu , and
then placing an order when approached by the waitress: it is expected that you know what
you are doing , that you know you are fully liable for the meal you order and consume, and
that you will pay the bill when it arrives . The contract so formed is called an implied
contract, and is based solely on consensual conduct , rather than express (written)
agreement—i. e. if you place an order for food you also tacitly consent and accept full
responsibility to pay for it. Government-type ''waiters/waitresses” (code-enforcing revenue
officers) do nothing but “work the shop” (patrol corporate US turf) , looking for "customers”
(unwary , trusting, sovereign American men and women) who “Wander In” (are not aware of
the difference between de facfo-“US”-statutory-law and de yUre-“American”-common-1aw
jurisdictions), and "write up orders” (cite/assess code infractions) which are eventually “paid
for by the customer” (extorted from the sovereign American) on his way out the door (in
exchange for the sovereign American's freedom of locomotion) .

D.C. ,” in accordance with the so-called 14th Amendment, which the record indicates was never ratified [see Utah
Supreme Court Cases , Dyett v Turner, (1968 ) 439 P2d 266, 267 ; State v Phillips, (1975 ) 540 P 2d 936; as well as
Coleman v . Miller, 307 U . S. 448, 59 S. Ct. 972; 28 Tulane Law Review, 22; 11 South Carolina Law Quarterly 484;
Congressional Record^ June 13, 1967 , pp: 15641 - 15646],
67
Every single type of attempt at collecting money, including income tax liens, levies, and garnishments and even
parking ticket fines, is legally classified as “debt collection”—and falls under the Fair Debt Collection Practices
/let—because the object of the collection (currency/^mOney”) consists strictly of debt instruments (Federal Reserve
Notes); Collection of Federal Reserve Notes - Collectiodof debt .
68 <
The land of the free and the home of the brave” has the highest per^apita incarceration/ifriprisonifientrate of any
t

country in the world, an astonishing fact .

69
Scrip: Paper money issued for temporary use in an emergency .
70
I
For details about foreign military occupation see Section 2, “The Truth About Esquires.”
.
See Section 3 , “The Curse of Co-Suretyship,” for a complete explanation .
Maintaining Fiscal Integrity Page 20 of 36
21
 —
Before any contractual encounter commences i. e. before a code-enforcement operative
evokes your unwitting execution of a contract—you are considered a sovereign being who
can claim ail protections afforded by the Constitution from the dejure government, one of
which is contracting with whomever you wish . That the code-enforcer does not represent
the de jure government is of no consequence. You are also accorded, as a sovereign,
respect for having full understanding of what you are getting into and with whom you are
dealing , and for contracting as you best see fit . That you decide on doing business with a
municipal corporation in Chapter 11 Reorganization72 is a bona fide, self-determined,
commercial discretion that any businessman can reasonably make, and which is warmly
welcomed by those soliciting the business. The major discrepancy in the transaction is that
there is no meeting of the minds, a necessary component in any valid contract, but since
you are a sovereign you are nevertheless respected for any bargains you enter into,
however unconscionable they may be.

This all takes place, of course, in the straw man's TRADE NAME, but that is a rather moot
point when one is faced with such finalities as garnishment of wages , eviction, and the
business -end of a loaded 38-caliber police special. The system justifies abuse of the
American sovereign , indeed thrives on it, because the sovereign was duped "fair and
square"73 into becoming a surety for the TRADE NAME.

The Cure for “Volunteer-itis”

If you are not absolutely certain that you are a sovereign, guess what ; you are not a
sovereign . True sovereignty begins between your ears, and is actualized when Big
Brother’s operatives determine that you are certain of exactly who you are and what you are
doing.

How does sovereignty manifest in today’s world? As of March 9, 1933, life is no longer the
same in America. Currently, sovereignty is evidenced when the everyday, contracts one
enters into cease being one-sided, unconscionable bargains with government agents,
courts, taxmen , banks, and corporations, and uniformly begin being self-determined-,
consensual-, clean-hands-, full-disclosure-type relationships where each party is fully
informed of the actual terms of the contract—going into the contract rather than
discovering after the fact that one has been shanghaied.
—
How does one cease being a victim of government, forced into complying with the terms of
endless unconscionable contracts? By not consenting . “Not consenting” means just that;
declining participation in the communication ; not approving of that which is proposed; not
taking part in the dialogue; opting out from the very beginning/first instant, before anything
can be construed as having contractually begun ; refusing discussion of the merits of the
situation; informing the code-enforcing revenue agent that you do not wish doing business
with him/her, etc.

The Supreme Court has consistently ruled that no one has any compulsion to enter into any
—
contract with anyone else including de facto municipal corporations like United States Inc.
72
“Mr . Speaker. We are now here in Chapter H . Members of Congress are official trustees presiding oyer the
greatest reorganization of any bankrupt entity in world history, the U .S. Government... ” Representative James A.
Traficant Jr., Congressional Record, March 17 , 1993 , Vol . 33 . See Chapter 11 Reorganization in Glossary.
73 u
All’s fair in Jove and war,” and the U.S. Government officially and legally declared war on the American people
on March 9, 1933 in the Amendatory Act of March 9, 1933 to the Trading With the Enemy Act of October 6, 1917.
For a detailed explanation of your official “enemy” status see Trading With The Enemy Act of October 6, 1917 in
Glossary.
Page 21 of 36 Maintaining Fiscal Integrity
22
and its myriad de facto political subdivisions such as “STATE OF FLORIDA” ( rather than
“ Florida Republic”) and “COUNTY OF DALLAS” ( rather than ^Dallas County” ). There is no
requirement that anyone consent with anything ; the word itself means mutual approval , and
if you don’t approve , no contract commences.
There are probably many reasons why otherwise strong willed Americans (shadow- -
sovereigns) routinely submit and go along with what is forced upon them: fear , misplaced
trust , anticipated harm , feelings of guilt , etc. What is missed is that the revenue agent's first
—
objective in demanding the money is forming a contract a contract that can be justifiably
enforced at a later time , if necessary. The judge/cop/attomey/taxman /efc. is raising
revenue on behalf of his/ her corporate employer, and more times than not sharing in the
take.74 It- s just business , and anyone can refuse to do business with anyone else even
with government. Granted , this can be a terrifying experience if you are the object of
something as life-threatening as a “ routine traffic stop,” but you can still prevail despite the
—
odds : ~

Motorist: ( Window rolled down about one inch ; both hands on steering wheel )
What seems to be the problem, officer?
Policeman: Would you please roll down your window a little farther?
Motorist: How can I help you, officer?
Policeman: License and registration, please.
Motorist: / do not consent to this conversation.
,

Policeman: I said, "license and registration,” now.

Motorist: / do not consent to this conversation.
Policeman: ( Placing his hand on his service revolver) If you don't hand over your
license and registration right now l‘m gonna drag you out of that car
and take you to jail.
Motorist: ( Rolling down window , smiling) Oh, well, in that case that’s an entirely
different matter. Since you are using color (pretense) of law and
threatening me with bodily harm and forcing me into doing business
with you against my will, I am happy to cooperate under duress. Here
is my license and registration. May I have one of your business cards,
please? (Policeman hands over a business card. ) And here is a copy
75
of the published Copyright Notice setting the terms of the consensual
contract for unauthorized use of my common-law-copyrighted
property. My name is copyrighted under common law and the fee for

74
The term “booty” is legally defined as “The capture of personal property by a public enemy on land, in
contradistinction to prize, which is a capture of such property at sea . . . . The right to booty belongs to the sovereign;
but sometimes the right of the sovereign, or of the public, is transferred to . the soldiers, to encourage them . . , .”
Bouvier’ s taw Dictionary , Eighth Edition ( 1914). Legally speaking , at least in accordance with the Amendatory Act
of March 9, 1933 to the Trading With the Enemy Act of October 6 , 1917 , Judges and IRS agents are public enemies
( see public enemy in Glossary ) of the American sovereign constituency (American men and wombn), soldiers in
service of foreign masters, and, appropriately , share handsomely in the booty/plurider they capture in the course of
their duties. Judges administer and enforce copyrighted law of British corporations exclusively ( see bar in
Glossary ), and IRS , officially disclaimed as an agency of the United States Government by the United States
Attorney ( see Internal Revenue Service in Glossary ), is domiciled lit Puerto Rico under the Secretary of the
Treasury of Puerto Rico ( see Secretary in Glossary ) . See booty in Glossary for details .
75
For the exact text of such a Copyright Notice , see “Copyright Notice” in the Practical portion of this manual .
Maintaining Fiscal Integrity Page 22 of 36
23
 its use is fairly steep [$500,000.00 per occurrence}, so you might want
to look over the terms of the consensual contract that you would be
entering into by writing my copyrighted property on any piece of paper.
Policeman: What the hell are you talking about?
Motorist: I do not wish to do business with you, officer, but if you insist on it then
I have an obligation to inform you of the fees associated with the use
of my name, which is copyrighted. Should you decide that you would
like to do business with me and accept the obligation for payment of
the fees for unauthorized use of my copyrighted property then I will
send you a bill, which is payable in full within 10 days of the date I
send it. The terms of the contract stipulate that you pledge all your
tangible and intangible property and interest in property as security for
payment of the debt you incur for the unauthorized use of my name. If
you do not pay within the 10-day period then legal title for all your
property transfers to me and I am free to take possession of it and
dispose of it as I see fit, in order to recover the costs you incurred
through the unauthorized use of my name, my copyrighted property. If
you will give me your home address I will bill you at home, rather than
at the stationhouse.
Policeman: / never heard this one before. Is this some kind of joke?
Motorist: No, sir . This is extremely serious. My published copyright notice is
also filed with the county recorder. That contract you have in your
hands is official public record. Here is a certified copy of the filing.
What I am saying is no secret and no joke. I do not wish to do
business with you, but if you insist and force me fate it I will
—
cooperate but you wiil be liable for the unauthorized use fees for the
use of my copyrighted property. Since you have threatened me with
-
bodily harm I am very willing to cooperate under duress. At this point
the choice is entirely yours. What would you like to do?
Policeman: Have a nice day. So tong.

Wow. What just happened? The revenue agent (officer) for the insolvent municipal
corporation (government) put on a show of force and attempted to coerce the sovereign
—
(motorist) into 'Voluntarily” entering and thereby accepting financial responsibility for a
commercial contract (traffic ticket) that the officer intended on generating. The con never
—
got off the ground because the motorist never accepted any communication from the officer
76
until the issue of duress was established (thereby voiding any contract formed thereupon ),
adroitly establishing, on the motorist’s terms , the parameters of the non-violent, consensual
contract for the officer’s unauthorized use of the common-law copyrighted TRADE NAME - .
The cop then decided against doing business with the motorist

This is an example, however visceral,77 of what '‘ eliminating one-sided, unconscionable

bargains with government actors'’ means. Please note, however, this example has not
been included here as a tacit recommendation that the reader undertake this strategy if
—
confronted by a policeman in a traffic stop though the above is an entirety plausible

For the four other factors sufficient for voiding any contract see contract in Glossary.
77
Visceral : Pertaining to the viscera (the internal organs of the body, as the stomach, lungs, heart, etc .); instinctive
or emotional.
Page 23 of 36 Maintaining Fiscal Integrity
24
exchange. When the reader fully absorbs the knowledge available in this volume, he/she
will be fully capable of making his/her own decisions about what should be said, and how it
should be said, if confronted by code-enforcement-type actors/revenue agents both in
person and in writing. When someone realizes his/her creditor/sovereign standing, ali
confusion evaporates and he/she has knowtngness and certainty of what should be said
and done in any circumstance. The above sample dialogue has been provided only
because it is a vivid, easily understood illustration of how people can avoid being coerced
into doing business with Big Brother at any level of confrontation.
• * • * * * * ’ * * * "
#

Re the issue of copyright infringement: there is really no problem with people using
—
copyrighted property unless they use it for commercial gain , i.e. making money through
the use of the private property without the copyright holder’s authorization. As addressed
elsewhere in this manual, all demands for payment constitute an issue of public currency .
Remember: there is no substance money in circulation. Until 1933, Federal Reserve Notes
could be redeemed in “lawful money of the United States,” meaning that Federal Reserve
Notes never were, and are still not, lawful money . Having left the gold standard, we are
.
now on the "promise to pay" standard A promise to pay now creates "money,” and is what
funds your mortgage, auto loan, credit card purchases, and every other kind of "loan" you
take out (including traffic tickets). A promise to pay is a negotiable instrument ("money’ )
and is defined at UCC 3-104. The traffic cop in the above example intended on “taking out
a loan” in the name of the motorist’s straw man’s TRADE NAME by extracting 4he motorist’s
-
promise to (appear arid then) pay, thus saddling him with the bill as surety for the TRADE
NAME. The Copyright Notice short-circuits anyone from using your TRADE NAME for
unauthorized commercial gain,79 the primary objective of virtually every single government
on the face of the earth.

Consent = Contract

Had the motorist even rolled down the window upon the officer’s opening statement he
would have formed a damning contract with the officer. Two timeless and universal maxims
of law are “ Contract makes the law ," and " Offer + Acceptance = Contract." The motorist’s
—
acceptance of/compliance with any offer/order from the officer before establishing the fact
—
of duress finalizes a consensual (mutually approved) contract between the two whereby
-
the motorist has “decided” that he will do business with the officer on the officer's terms,
thereby providing the officer with justification for the use of any “necessary" violence in
carrying out any duties associated with the contract (expropriating revenue) .
— —
When one party anyone approaches another party seeking cooperation, information, etc.
and the approached-party cooperates/provides information, the approaching party is
automatically in the driver's seat and Is calling the shots; i.e. his offers of communication are
being accepted and acted upon. Police and other such professional provocateurs,
especially judges, are experts in inducing cooperation and participation both through the
threat of violence/incarceration and the use of deceitful communication techniques whereby
the prey is tricked into entering the “contract” before becoming aware that any contract has
4 :"
*

78
Title 17 United States Code, Chapter Section 107 (statutory law) lists fair ufces of copyrighted material that do
not constitute copyright infringement. None of the fair uses includes commercial gain. See copyrights in Glossary .
79
What is not scared off with the Copyright Notice can be crushed with either of a couple ofmew documents,
1

revealed in the Practical portion of this manual, that identify the transgressing party by name and set the terms of the
consensual contract.
Maintaining Fiscallntegrity Page 24 of 36
25
 been formed.00 The pretexts used by Big Brother’s henchmen for slyly establishing
"contracts’* with unwitting "customers’’ are many ; the object of all such eons, however, is
always the same: the victim-citizen ' s wealth (money , property , assets).

Code-enforcement-type actors are seeking the slightest measure of justification for carrying
out their agenda. Nearly all of them know that consent is required every step of the way ,
though many will arrogantly storm ahead without it, thinking they are above the law. They
may be above statutory law /code but no one is above the Articles of the Uniform
Commercial Code governing private , consensual contracts.
A unique aspect of consensual contracts is that the agreed-upon terms may be privately
enforced (true commercial law) because there is no controversy/dispute needful of
resolution by a third party (judge/court). The UCC is pre- judicial and non-judicial. That is
why the creditor/motorist in the above example could begin seizing certain property
registered in the officer’s TRADE NAME following the officer’s default on payment of the
obligation after having been given the opportunity to back out of the contract , and after
being properly invoiced—because it is so stated in the consensual contract (both the
Copyright Notice and subsequent, formal contract that the creditor/motorist would send the
officer if he were issued a citation). The officer would have consensually entered the
contract if , after having been fully noticed of its terms , he did not fully, formally , and officially
withdraw and delete/erase/destroy all traces of the motorist’s copyrighted property brought
into existence by him (and possibly even surrender all original documents—written,
electronic, and taped—and alt copies thereof, containing both the policeman’s signature and
—
the motorist’s TRADE NAME depending on the severity of the terms of the contract set by
the motorist).

Creditor = Sovereign
S

In modern global society, there are few truly sovereign jurisdictions where outside creditors
(Federal Reserve/IMF) do not have final say-so over that domain and everything in it.
When anyone can dictate the terms of a contract with any government’s code-enforcement
personnel, that party is the creditor in the matter and a sovereign by definition. This is an
inescapable fact because , based on the negative-value/liability aspect of the currency, all
such purported “valuable consideration , ” e. g. FRNs (all FRNs are borrowed into existence
and represent debt/liability only) , there is, for all intents and purposes , no other way of
actualizing political sovereignty on this planet at this time. The sole possible exception
might be using overwhelming military force, but any such undertaking is rare and short-lived
because the same , small group behind the Federal Reserve/IMF consortium dictates over
the armed forces of all major powers of the world , including United Nations , from the top.
These fiends own/control all official media of exchange (currencies) and foreclosed on all
governments of any stature and installed their own talking heads decades/centuries ago.
'
Therefore, the fullness of your own political power/autonomy/sovereignty is determined
solely by your personal abilities in dealing with government front men. who attempt to
engage you in contract at the behest of their masters , the currency/government owners/
creditors, for the purpose of expropriating your wealth , assets , and resources without
exchanging anything of value .

80
This phenomenon is evidenced nowhere more clearly than in contemporary American courtrooms: when a judge
threatens a “patriot-type” with contempt if he continues bringing up the issue of constitutional rights. Technically
speaking , a traffic citation recipient (shadow-sovereign), for example, abandons the Constitution in favor of the
—
Vehicle Code the instant he forks over his driver ’ s license and begins doing business with a traffic cop long before
entering the courtroom .
Page 25 of 36 Maintaining Fiscal Integrity
26
Sovereign political power is wielded when a would-be commercial invader /marauder
withdraws and abandons his/her assault on your property/freedom based on the liabilities
involved in doing business with you. When you can enforce a private consensual contract
against members of the corporate government of the country you live in, despite the fact of
being their declared enemy in war , you have indeed demonstrated sovereignty as well as it
can be demonstrated. The real game is not in being legally detached from all commercial
intercourse in society; the real game is being actively engaged in any and all desirable
social/commercial exchanges in life, just not being penaiized/punished solely because one
—
is a participant the unfortunate status quo for most folks in America at this time.

Taking Control of the TRADE NAME

Whereas the Copyright Notice officially establishes legal title re the TRADE NAME under
common law and sets forth the terms of the consensual contract for its unauthorized use,
the UCC is what is used for enforcing the terms of the contract. Even though the Copyright
'

Notice does not depend on the UCC for its validity and enforceability, its provisions are
written in strict accordance with UCC guidelines for facilitating easy and thorough non-
judicial foreclosure proceedings on any who would attempt commercial gain at your
expense through unauthorized use of your TRADE NAME. However, the paperwork-aspect
of dealing with assaults/attacks on your freedom/property will not be taken up here, but
rather under “Handling Presentments ” in the Practical portion of this manual.

“What's good for the goose is good for the gander." If government agents, prosecutors,
.
judges, attorneys, police, taxmen, etc can freely engage your ens-legis , artificial-person,
straw-man TRADE NAME in business, then so can you. That their computers are rigged for
—
listing account names in ALL-CAPITAL LETTERS only a practice falling outside both the
—
bounds of English grammar and the prescriptions of law when such couid just as easily be
programmed for writing in English, is conclusive evidence that a different game is being
played than the one advertised. Every conceivable roadblock for deflecting general
comprehension of this most ingenious Of subterfuges has been meticulously installed down
through the centuries, with unimaginably complex safeguards for keeping even lower level -
operatives in the dark. Pleading innocence and claiming helplessness based on feigned,
archaic, computer-programming limitations,81 however, will no longer wash as an excuse
from Big Brother’s front men. . , 5

Besides copyrighting the TRADE NAME under common law, the most important objective is
establishing an equivalent claim under the aegis of the UCC . Since you are a different party
than the ens-tegis TRADE NAME, you may do business with it if you desire, and you cah
also obtain official acknowledgment of the contract from a government agency: the UCC
filing office. The following series of documents ‘ has been painstakingly developed and
formulated for maximal protection of this contractual relationship, thereby preventing any
third party from intervening and impairing the private contract.
S1
The National Security Agency's modem “Echelon” computerized global electronic surveillance system, with
installations in Yakima, (Washington , USA), Wailhopai (New Zealand), Geralton (Australia), Hong Kong, and
Morwenstow (UK ), employing Cray supercomputers capable of executing a billion transactions a second, taps into
—
the system of Intelsat satellites and currently tracks—in real time all fax, telex, Internet, email , and long-distance
telephone traffic worldwide, using verbal/electronic word-recognition technology re key “trigger” words and
intercepting/monitoring all such traffic - Governments, fronts for their masters, the Federal Reserve/IMF cabal , are
in business strictly for extorting money from the constituency, and ho expense is spared in ensuring that the flock is
properly fleeced . If the accounting and computer systems are set up in a certain way, then that is what guarantees
maximum profit. The lame, “That’ s just the way our computers are set up {ALL-CAPS mode ] is a hackneyed ruse
'
71

that will only work on those who still believe that the government is here for the purpose of he ping people .
Maintaining Fiscal Integrity Page 26 of 36
27
 The Private Agreement
Contractual Basis of the Relationship
The document that establishes the contractual relationship between you, the living,
breathing man/woman as the creditor , and the TRADE NAME, the corporately colored, ens-
legis , artificial-person straw man as the debtor , is called the “Private Agreement." As a
Redemptor,82 the only requirement for forming this contract is the personal certainty that
you are not the TRADE NAME and that the TRADE NAME is a bona fide legal entity,
separate and distinct from you. The Private Agreement is a bargain of the parties in fact
and qualifies as an "agreement” under the Code at UCC 1-102(3). A sample, two-page
Private Agreement for the fictitious character “John Henry Doe” and his straw man, “JOHN
HENRY DOE,” is provided in the Practical section, and should be studied for full
understanding of the nature of this particular type of creditor-debtor relationship and why
such an agreement/contract is entirely legitimate.

Your Private Agreement is just that, private , and should never be filed in the UCC filing
office nor shared with any adversary . This document is strictly between you and your straw
man and forms the lawful basis of your contractual relationship with each other. As a
member of the sovereign constituency; the Constitution provides that " No State shall ...pass
any ...Law impairing the Obligation of Contracts...” Your contract with this particular person
( ens /eg/s) is inviolate and shall remain so, unimpaired by any third party.

The Hold-Harmless and Indemnity Agreement

A Most Vital Component

Despite all other incredibly positive aspects and elements of this process, if the following
single point is not firmly and legally addressed and established the whole effort can be
nullified. As mentioned earlier in this essay, Big Brother’s entrapment scheme consists of:
(1) corrupting a sovereign’s trye name into an ail-capital-letter , “citizen of the United States”
TRADE NAME, and then (2) conning the sovereign into unwittingly '‘voluntarily’’ contracting
as surety for the TRADE NAME, concealing from the victim his/her new status, but also
ruthlessly enforcing the new suretyship obligations without explanation. ,

The Hold-harmless and indemnity Agreement is a commercial/legal document wherein the

TRADE-NAME debtor expressly covenants that: (1) the creditor is neither a surety nor an
-
accommodation party (see UCC 3 419) for the debtor; and (2) the debtor,holds harmless
and indemnifies the creditor (you) from and against any and all claims, legal actions, orders,
warrants, judgments, demands, liabilities, losses, depositions, summonses, lawsuits, costs,
fines, liens, levies, penalties, damages, interests, and expenses both issued in and
associated with the debtor's TRADE NAME.

This issue is extremely profound when one realizes that a man/woman in jail awaiting
arraignment (legal event where the defendant enters a plea before the magistrate) is not the
actual defendant , but the surety for the defendant. Through more legal trickery, the unwary
and unwitting surety is duped into unconscionably identifying himself/herself as “the
defendant" when addressed by the magistrate as such, and thereby “voluntarily” and
magically becomes the defendant from that point forward. In this type of exchange the

82
Redemptor : Latin. One who buys back or reclaims . For purposes of this manual, a Redemptor is one who legally
establishes the supreme claim (recovers legal title) over his/her straw man ’ s TRADE NAME .
Page 27 of 36 Maintaining Fiscal Integrity
28
TRADE NAME (actual defendant) (8 legally and technically a "dummy," and serves as the
legal object, at least on paper , until the surety associated therewith can be suckered into
taking its place (see dummy in Glossary ).

-
The Hold harmless and Indemnity Agreement is attached with the Security Agreement
(described below) and made fully part thereof by inclusion in the filing process. A certified
copy of a fried UCC Financing Statement referencing a Security Agreement and Hold-
harmless and Indemnity Agreement, as set forth in this manual, constitutes documentary
evidence that the ALL-CAPS party named In any indictment , warrant, etc . is not the flesh-
and-blood man/woman being held in captivity, but rather the artificial TRADE NAME a fact
of enormous legal significance considering the techniques used by the judicial system in
—
attracting new customers, generating repeat business, and marketing their services.
•
- • •• •• . ; ;

- The Security Agreement ,

Creatlon of a Security Interest - Importance of the Common Law

A Security Agreement is a consensual agreement whereby a debtor transfers a security

interest in collateral in exchange for valuable consideration, and is defined as “an
-
agreement that creates or provides for a security interest” (UCC 9 102(a)(73)). A security
interest is an interest in property that secures payment/performance of Sri obligation (UCC
1-102(37) and is the UCC-equivalent of a statutory lien; i. e. a security interest is pre-judicial
and non judicial.
-
Whereas the Private Agreement lays out the terms of the commercial agreement between
—
the two parties and is “authenticated” meaning signed , see UCC: 1-102(3®) by each, the
Security Agreement concerns only the debtor’s pledge of property (the collateral) and,
—-
accordingly, need only be authenticated by the debtor (there is nothing preventing the
secured party from signing as well, as is recommended herein).

Following execution of the Security Agreement the creditor is known as the “secured party,”
because he has the benefit of a security interest in the property of the debtor ; i.e. he is
secured, in the event the debtor does not make payment/perform as agreed. A secured
party is a party in whose favor a security interest is created/provided for under a Security
Agreement (UCC 9-102(a)(72)) .
When the Security Interest is Said to “Attach

Generally, the security interest “attaches” and becomes enforceable against the collateral -
the moment the following three requirements are satisfied; (1) there IS an adequate Security
Agreement between the parties describing the collateral; (2) the secured party (creditor)
gives va/ue83 of some kind; and (3) the debtor has rights (ownership) in the collateral/power
to transfer rights in the collateral ( see UCC 9-203(b)). There are, howevdr, certain types of
property for which attachment of the security interest can occur only in a certain way, other
—
than filing meaning that mere description of the collateral in fhe Security Agreement is not
adequate.
•
*
jrf •

83
Re value: Because of the contemporary de facto monetary system , which functions in a mirror image of reality via
,

debt-instruments (FRNs) that carry an inherent liability (interest , income tax), rather than lawful money (gold and
silver coin) that carries no such liability , the UCC-defmition of value (a most significant term in the UCC) is 180 °-
out from the one found in conventional dictionaries . The bearing of this term on UCC matters is addressed in the
Practical portion of this manual .
Maintaining Fiscal Integrity Page 28 of 36
29
 Types of Personal Property /Collateral
There are two broad types of personal property classifications: tangible and intangible .
,

Tangible property is categorized as “goods ," which means “all things that are movable when
security interest attaches, ” and includes fixtures (goods that are attached with real
property) , some standing timber, unborn animals , crops, manufactured homes, and
computer programs embedded in goods so that the software is considered part of the goods
{UCC 9-102(a )(44)). All goods are subcategorized at UCC 9-102{a) , based on their use in
the hands of the debtor , into one of the following types: (1 ) consumer goods; (2) farm
products; (3) inventory ; and (4) equipment.

—
Intangible personal property , on the other hand , is classified by its characteristics rather
than how the debtor uses it and consists of the following subcategories: (1) money; (2)
investment property; (3) commercial fort claims; (4) letters of credit; (5) letter-of-credit rights;
—
(6) chattel paper; (7) instruments; (8) deposit accounts; (9) accounts; (10) documents; and
(11) general intangibles.

There are many more sub-classifications of personal property , 84 but all fall within one of the
above 15 categories of tangible and intangible property . Fortunately, the intricate
distinctions of and between all the different kinds of personal property are Jess significant for
our needs than they are for those of Big Brother’s henchmen . We are merely bolstering our
own position for maintaining commercial integrity; Big Brother’s operatives are out there
playing the game of swindling people’s wealth , while attempting to avoid general detection
as being engaged in such activity. Remember: the substitute-money ( FRNs) system is
designed expressly for generating defaults and bankruptcies, and channeling all private ,

wealth into the hands of the owners of the governments. That is why it is so important that
the Money Power have encrypted codes for keeping people in the dark about the law ,
85
remedy , and recourse ; and blackmailed politicians in their pocket for passing Draconian ,
totalitarian legislation to crush dissenters , thwart popular movements , and establish the
global plantation.

Perfecting ( Legally Establishing ) the Security interest

Perfection of the security interest after the security interest has attached is usually
accomplished by the filing of a record known as a “ UCC Financing Statement” in the OCC
filing office (located in each state , District of Columbia , and most of the Territories) of the
jurisdiction where the debtor is located (considered a resident). Perfection of the security
interest by filing is available for most types of collateral, and is discussed further below.
However , a few types of collateral require that the security interest be perfected by a
method other than filing in the UCC filing office.

Where a Means Other Than Filing i$ Required for Perfection

A secured party can perfect a security interest in deposit accounts (demand, time, savings,
and passbook accounts maintained with a bank) , electronic chattel paper , investment
-
property , and letter-of-credit rights only by control ( UCC 9 314) . A security interest in
certificated securities in registered form can be perfected only by delivery into the

84
For a comprehensive list of every kind of personal property in existence, see “Collateral” section in Security
'

Agreement in the Practical portion of this manual

85
Draconian: Pertaining to Draco (an archon [magistrate] of Athens about 621 B.C.; reputed author of the first
Athenian written code of laws) or his laws; hence , inflexible; severe .
Page 29 of 36 Maintaining Fiscal Integrity
30
possession of the secured party (UCC 8-301). In the two foregoing methods of perfection,
the security interest both attaches and is considered perfected upon control and delivery,
respectively, with no filing requirement (UOC 9-203(b)(2)).86

Also, the filing of a financing statement against property covered under any certificate-of-
title statute , as well as any other non-UCC central filing statute , is neither necessary nor
effective for perfecting the security interest (see UCC 9-311). Certificate-of-trtle statutes , for
example , provide for perfection of the security interest directly on the face of the certificate
(where secured party is called "Lien Holder”) and cover such things as automobiles , trailers ,
mobile homes , boats , farm tractors , and the like. Other federal statutes cover items such as
aircraft, ships, trademarks, copyrights , and patents { common-law trademarks and
copyrights are not governed by statute), and the filing of a financing statement is likewise
ineffective for perfecting the security interest . The Redemptor is in a unique position to
establish legal control of these types of property in that he can form another contract with
the Debtor (e.g. storage contract) that must be satisfied before any lien holder can legally
take possession of/sell the property (discussed in the Practical portion of this manual).

Though the filing of a financing statement will perfect the security interest in all other
subcategories of collateral, the Code also allows for perfection of the security interest by
simple possession of the following types of collateral: negotiable documents, goods,
instruments , money , tangible chattel paper, and certificated securities (see UCC 9- 313).
For this reason, the sample Security Agreement contained in this volume contains a
statement wherein the debtor (TRADE NAME) acknowledges having delivered all such
property into the possession of the secured party , thus covering these particular types of
collateral by both filing and possession.

Power of the Common Law

87
Perfection by possession is a species of common-law lien (/.e. non-statutory), and is
effected with a simple statement at the top of the Security Agreement whereby the Debtor
acknowledges delivery of all such property—in which a security interest can be perfected by
possession—into the hands of the secured party (cited in previous paragraph).

A “common-law lien" is a species of lien defined as:

:; '
i .
“One known to or granted by the common law , as distinguished from statutory, equitable ,
and maritime liens . . . . It is a right extended to a person to retain that which is in his
possession belonging to another, until the demand or charge of the person in possession is
paid or satisfied.” Black’s 4th . . .

Thus , you have the non-statutory, non-judicial , common-law origin of your claim of right of
possession of the negotiable documents, goods , instruments , money , tangible , chattel
paper , and certificated securities associated with your straw-man debtor’s TRADE NAME.
You have a common-law right for retaining possession of all such property until the
obligation is satisfied (paid off) by the debtor (your straw man). Unless and until the
obligation is satisfied in full , neither the straw man, nor anyone else , may lawfully remove a
single piece of any of this property , i.e. the collateral, that has been delivered into your (the
secured party's) possession.

86
For a complete list of exceptions where filing is not required for perfecting the security interest see UCC 9-310(b).
87
Lien: A qualified right of property which a creditor has in or over specific property of his debtor, as security for
the debt or charge or die performance of some act. Black's 1 st.
Maintaining Fiscal Integrity Page 30 of 36
31
 The common law (see Glossary ) Is ancient and immutable, established by usage and
custom since before recorded history. As strange as it may seem, the common law is still in
full force and effect today. People just don’t know it because they have been conned into
believing it doesn't exist (courtesy of the Federal-Reserve-Note-currency-monopoly
scheme/cabal), and unwittingly consent (surrender privacy, grant jurisdiction) with virtually
every single advance made against them by government and tegal/commercial predators
In fact, our impossibly complex legatedicial system and its billions of pages of codified
.
— —
law including the UCC has been developed over the last millennia by the creditors
(moneychangers) for the express purpose of circumventing the protections afforded debtors
by the common law (through lexical trickery, deceit, and obfuscation). The UCC is the
culmination of these efforts. However, despite the universal power of the UCC, it is still
junior in the face of the common law , as attested by this excerpt from one of the world’s
most respected authorities on the UCC, Anderson on the Uniform Commercial Code (1981):

.
Ҥ1- 103:6 Common Law,
“The Code is ‘complementary’ to the common law which remains in force except
where displaced by the Code.* ® ‘ In attempting to codify
a large body of law it is almost
impossible to anticipate all the factual situations that may arise . And it is for this reason that
courts have adopted the principle of statutory construction that a statute will not he construed
so as to overrule a principle of established common law, unless it is made plain by the act
that such a change in the established law is intended.’ 89
“A statute should be construed in harmony with the common law unless there is a
,

clear legislative intent to abrogate the common law.90 ‘Courts should be hesitant to improvise
new remedies outside the already intricate scheme of Articles 3 and 4. However, .this new
cause of action would not interfere with that scheme but extend its principles to a situation
not specifically foreseen by the drafters . The Code cannot be read to preclude a common law
action . ’”91

Whereas any item of property that is registered in a public registration scheme (r e, with a
government agency) should be specifically identified in the Security Agreement, a
description of all other personal/real property “is sufficient, whether or not it is specific, if it
reasonably identifies what is described,” with a few minoF exceptions (UCC 9-108).

A properly done Security Agreement is vital for maintaining fiscal integrity, i.e. maintaining
control of every single piece of property under the sun, moon, and stars that is considered
private property of the TRADE NAME. Remember: the entire artificial person, insolvent -
—
industrial community functioning as it does solely on debt/liability-instruments (FRNs) is
incapable of establishing accounts and doing business with solvent, sovereign creditors;
—
only bankrupt, subject debtors , such as your all- caps TRADE NAME and, of course, the
surety (the shadow- sovereign in his inferior , degraded status) associated therewith.

The sample Security Agreement provided in the Practical portion of this manual between
John Henry Doe and JOHN HENRY DOE is certainly many hundreds, if not thousands, of
man-hours in the making. Big Brother's "legal experts” will not be pleased with the
soundness of this document. Full realization of its integrity and value will come only with
earnest study unless, of course, one simply begins using it as needed and observes the
response from the legal professionals that are confronted with it.
88
North Carolina Nat. Bank v McCarley & Co . ( 1977) 34 NC App 689 SE2d 583, 23 UCCRS 455 .
89
Starkey Constr., Inc v Eicon Inc . ( 1970) 248 Ark 958, 978 A , 457 SW2d 509, 7 UCCRS 923 .
,

^United Bank v Moss N. O. Nelson Co. ( 1979) 121 Ariz 438, 590 P2d 1384, 25 UCCRS 1113 .
91
Girard Bank v Mt. Holly State Bank ( 1979. DC, NJ) 474 F Supp 1225 , 26 UCCRS 1210 .
Page 31 of 36 Maintaining Fiscal Integrity
32
 The UCC Financing Statement
Perfecting (Legally Establishing) the Security Interest by Filing

Besides perfecting by control, delivery, and possession as described above, the secured
party can perfect the security interest in most types of collateral by filing The UC($ Tiling.
office is a public venue for the registration of notice of private contracts. Sihce the only
legal-tender currency in America is the private scrip of the FecjeraljReserve, all exchange of
this so-called “money” has private implications . Hence the advent of the pfe-judicial and
non-judicial ( i. e. private) UCC in 1954, and the UCC filing office, which keeps track of the
-
ever increasing stream of private contracts (registered therein by those .in the know)
wherein Federal Reserve Notes comprise the “valuable consideration” between the
contracting parties.

UCC filing offices provide a central forum where a creditor/seeured party can receive
official, governmental acknowledgment of the private contract between himself and a
debtor, as well as establish seniority over other creditors based on date and time of filing.
The foundational filing document is a simple form known as a “UCC Financing Statement,”
formerly called a “UCC-1 Financing Statement" (before July 1, 2001) containing; (1) the
name of the debtor; (2) the name of the secured party; and (3) a sufficient indication of the
property pledged by the debtor as collateral in the transaction (see UCC 9-502(a)).

The financing statement only puts third parties on notice of the secured party’s perfected
security interest in the debtor’s collate rat; the Security Agreement is what creates the
security interest, and must reasonably identify the collateral described. Whereas the
financing statement can be general in its description of the collateral (see UCC 9 504(2)), -
the Security Agreement must meet certain requirements ( see UCC 9-108) , but the collateral
indicated in the financing statement must jibe (match up) with the collateral described in the
Security Agreement for the effectiveness of either in securing the collateral. I.e. the
financing statement and Security Agreement are complementary components neither is —
effective without the other . 92

There is no requirement that a copy of the Security Agreement be included with the filing of
the UCC Financing Statement, only a sufficient indication of the collateral covered (UCC 9-
.
502(a)(3)) The only requirement is that the Security Agreement be authenticated , i.e.
-
signed, by the debtor (see UCC 9 203(b)(3)(A)).

.
Public Filing vs Privacy

When a secured party voluntarily makes public the intimate details of the private Security
-
Agreement (between secured party and debtor) by including it io the filing of the financing

—
—
statement in the UCC filing office where anyone can easily obtain the information simply
by paying for it he/she foregoes any privacy protections afforded under common law:and
the Fourth Article of Amendment of the Constitution. There is no compulsion for making
public the private contractual relationship between secured party and debtor Therefore, it .
is recommended that the Security Agreement be only accurately identified in the UCC
Financing Statement, and not Hied along with it.

92
The financing statement must cover the collateral described in the Security Agreement for valid perfection of the
security interest by filing . If the Security Agreement does not describe the collateral indicated in the financing
statement, perfection cannot not occur via filing because no security interest ever attached re the collateral in
question.
Maintaining Fiscal Integrity Page 32 of 36
33
•/ •
 Here is a real-life example, from a December 31, 2001 article in the obituary section of the
Los Angeles Times (p. B11) on the late Ian Hamilton, revealing the liabilities that come with
voluntarily placing private information in the public record. Hamilton had created notoriety
for himself by writing an unauthorized biography on J.D. Salinger, called “J.D. Salinger, A
Writing Life.” Salinger opposed publication of the book for several reasons, but the only line
of attack available was in suing for Hamilton’s use of Salinger’s common-law-copyrighted
material for commercial gain , i.e. insertion of about 70 of Salinger’s private letters (written to
publishers, editors, and friends between 1939 and 1962) in the book. Here is a portioh of
the article:

“ . . . The biographer and publisher won the first round when a New York federal judge ruled
‘Hamilton ’s book cannot be dismissed as an act of commercial voyeurism or snooping into a
private being’s private life for commercial gain. It is a serious, well-researched history of a
man who through his own literary accomplishments has become a figure of enormous public
interest.
‘“Hamilton’s use of Salinger’s copyrighted material is minimal and insubstantial,’ the judge
continued in his 33-page decision, which was seen as a victory for the 1 st Amendment, ‘[and]
does not exploit or appropriate die literary value of Salinger’s letters .’
“But in early 1987 , a federal appellate judge overturned that decision and banned publication
of the letters. The US . Supreme Court upheld the ban.
“Biography Revised After Court Feud
“Both writers, as it turned out, won some and lost some. Salinger won his goal to keep his
letters out of the biography . But thanks to his civil suit, the letters became part of the public
record, more accessible than ever .”
“Hamilton recouped, excising the letters, but revising the biography to include insights
gleaned from the bitter court feud. He published ‘ In Search of J. D. Salinger’ in 1988. ..”

—
Salinger’s private, common-law copyrighted material was just that until, that is, Salinger
voluntarily made it part of the public record by entering it into the lawsuit. Salinger
successfully stopped publication of Hamilton’s original book (because it contained the
-
letters, Salinger's common law copyrighted property), but officially placed into the public
domain the very information he wished kept confidential. Though the actual letters
themselves were not used in Hamilton's second book, all the information contained within
the letters was now in the public realm, fully accessible and available for anyone's use,
including Hamilton’s.

Noteworthy points: (1) a common-law copyright is a supreme claim; and (2) voluntary
surrender of information is a waiver of privacy and security protections afforded by Article IV
of the Constitution. However , there are many more ways of surrendering one’s privacy/
. .
sovereignty than anything as extreme as a court case and, like J D Salinger, nearly every
sovereign American man and woman repeatedly and inadvertently does this throughout
his/her life on a regular basis.93

93
Any degree of agreement with the advances of an aggressor constitutes acceptance of an offer, and forms a
contract . Something as innocent as leaving the front door of your house (and likewise, the door of your car)
,

unlocked admits and grants jurisdiction . Even responding with a policeman ’ s demands for communication through
a locked door of your house can form a contract and justify destroying the door and coming itt ; anyway
(euphemistically called “dynamic entry”). Responding with any request for information of any kind—-no matter
—
how slight from a code-enforcement agent/officer forms an unconscionable contract that can worsen very quickly.
By consensually participating in the seemingly most harmless of conversations with any type of investigator {even
Page 33 of 36 Maintaining Fiscal Integrity
34
The sample Security Agreement in this handbook js designed for keeping private as much
information as possible and need not be publicly filed along with the financing statement;
merely authenticated (signed ) by the debtor. This Security Agreement is also believed
—
legally impregnable by third parties and a Redemptor who understands and knows the
proper use of this document can begin to enjoy the profound benefits associated with its
use.
Financing statement is defined as:
“ . . . o record or records composed of an initial financing statement and any filed record
relating to the initial financing statement (UCC 9- 102(a)(39)).

Modifications , changes , and adjustments of the original financing statement are

implemented with what is called a “ UCC Financing Statement Amendment, ” formerly called
a “ UCC-3” ( before July 1 , 2001) in most jurisdictions , and a “ UCC-2” in others. As revealed
in the definition of financing statement above, any subsequent , related UCC Financing
Statement Amendment filed qualifies as " ... any filed record relating to the initial financing
—
statement' i.e. any amendment is absorbed by, and automatically becomes part of , the
original financing statement.

Recap
Publishing a notice of common-law copyright re the straw man’s trade name/trade mark
-
establishes common law control of the TRADE NAME , i.e. the debtor in the relationship.
- -
Filing at the county recorder’s office further solidifies the ownership of the common -law
copyright. -The foundational contractual document between debtor and creditor is called the
Private Agreement , and evidences the commercial agreement afrcHhe rights and duties by
and between the parties in the mutually beneficial (consensual) commercial transaction .
The debtor indemnifies the creditor in the Hold-harmless and Indemnity Agreement and the
legal distinction between the two is made clear. The creditor establishes a bona fide claim ,
called a security interest (equivalent of a lien ) , in the property pledged by the debtor as
collateral by giving valuable consideration. The Security Agreement is a document
authenticated ( minimally) by the debtor Snd contains a description of the collateral that
secures the indebtedness in favor of the creditor, Who is now called the secured party.
When the debtor authenticates the Security Agreement the security interest attaches and
becomes enforceable. Except for a few types of collateral , when the secured party files a
UCC Financing Statement and references an existing , authenticated Security Agreement
therein , the secured party’s security interest in the eol|aferal is considered perfected (legally
established ). Generally, the earlier date and time of filing determines priority in the debtor’s
collateral between competing creditors. Any desired changes in a financing statement are
effected using a UCC Financing Statement Amendment , which becomes part of the original
financing statement upon filing. '

over the telephone) you are putting yourself into the line - of fire . How important is it that you prove what a nice,
-
cooperative guy you are? Any information about you collected by government and code enforcement personnel can
and will be used against you at the first possible instant. The sole purpose for .collecting information in the first
place is the extraction of wealth and the infliction of control. Never unnecessarily voluntarily publicly reveal
anything about yourself with Big Brother.
Maintaining Fiscal Integrity Page 34 of 36
35
 Why Revised Article 9?

As near as is discernible, the primary aim of the new Article 9, which deals with Secured
Transactions, is the establishment of wholesale methods for foreclosing on' a defaulting
debtor’s property (the collateral) without using the courts; i.e. the high-speed transfer of
wealth (yours) into the hands of the Money Power and its minions. Even the UCC itself, it
appears, has been formulated as an entirely new system for circumventing the ancient
protections in a debtor’s property (collateral in a transaction) afforded by possession under
the common law .94 The UCC, and now Revised Article 9,9 .have introduced sophisticated
methods for obtaining the debtor’s consent and agreement concerning disposition of the
collateral in event of default at the time the contract is formed . This means fewer
-
headaches for your friendly credit lender (bank) in seizing the property of victirrvdebtors as
the defaults roll in , an inexorable eventuality under the current financial scheme96 (non-
substance debt-currency).

In accordance with Revised Article 9, contemporary commercial contracts, mortgages, loan

agreements, credit applications, etc, have also been cleverly formulated for obtaining the
borrower’s consent for converting all the debtor’s “after-acquired” (after execution of the
contract) property into collateral, but without the borrower’s awareness of the fact, and then
foreclosing on/seizing such property upon default without any need for a court order.
People who enter into such contracts without a Security Agreement (against their TRADE
NAME) firmly in place have no protection over property acquired after entering into a loan
—
agreement should they default and remember: the monetary system is expressly designed
to create defaults in loan transactions so the owners of the system can '‘legally” expropriate
the victim’s property without arousing suspicion of foul play.

A major character flaw of modern Americans in general (that the entire UCC is designed to
prey upon) is their propensity for accepting “loans ’ of credit ( “something for nothing") and
1

living beyond their means. The take of the credit-lending vampires would be significantly
diminished if people stopped asking for hand-outs (borrowing, using credit) and began
surviving strictly through their own efforts and living within their means. This might mean a
temporary reduction in standard of living, but at least one would be on solid ground
financially, living within reality, and free of the inherent fear of default, foreclosure, and
financial ruin that is part and parcel with “keeping up with the Joneses.” The system cannot
easily dominate those who do not borrow . Some wise words from William Shakespeare’s
Hamlet appearing in the front of this book are re quoted here:-
“ Neither ct borrower nor a lender be :
For loan oft loses both itself andfriend,
And borrowing dulls the edge of husbandry,’ f7 .
t

94 «
Possession is nine-tenths of the law ”
95
Expect revisions in Article 3 (Negotiable Instruments) and Article 4 (Bank Deposits and Collections) before 2010.
96
Defaults and bankruptcies are a mathematical certainty in a credit-money system . When money is loaned into
circulation , only the principal amount is created . Any payments of interest must come from the amount loaned out,
the principal . It is easily seen that paying off both principal and interest is a mathematical impossibility because the
total money in circulation consists only of the principal amount loaned: eg. a loan of 10 credit-units with an annual
interest rate of 10% requires a pay- off, after one year, of 11 credit-units—but there are only 10 credit-units in
-
existence . If interest payments were made for 10 consecutive years (payments totaling 10 credit units), the money
supply would vanish— but the principal amount would still be owed. The only way of satisfying the requirement of
making interest payments yet maintaining an adequate supply of currency in circulation is through borrowing an
ever-worsening debt scenario (the “National Debt” is owed to the Federal Reserve Bank ).
—
97
Husbandry (OE hits house + bonda freeholder): Economy; thrift . Shakespeare Lexicon and Quotation Dictionary .
Page 35 of 36 Maintaining Fiscal Integrity
36
k
 Benefiting from the UCC and Revised Article 9

The complexity of today’s multi-faceted judicial, taxation, financial, and political systems and
the breadth and depth of collusion and complicity within and amongst their ranks cannot be
exaggerated. Management personnel in each, beginning at the bottom and going all the
way up, know that continued financial gain is predicated solely on the establishment of
commercial accounts in people’s mirror-image, artificial-person, all-capital-letters TRADE
NAME, and the execution of billing, collection, and foreclosure procedures against said
name. Experience with actors at all levels in each of the above sectors has revealed that all
are familiar with the nature of the game, and the higher the level, the more knowledgeable
about ensuring its perpetuation.

Operatives within the system, each an integral cog in the revenue-extortion conveyor belt,
are generally afforded virtual, if not complete, immunity by the Powers That Be for crimes
committed “in the line of duty” (judges could not operate without immunity). In case you do
not know it already, the only time an out-of-control bureau-rat will “reform” and change
his/her ways is when faced with the possibility of personal liability /loss/damage/efc.
Heretofore, there have been few solutions for bringing about such results.

The essential difference between those who "work" in modern government and those who
work in the private sector is that the latter must, for the sake of survival, produce a valuable
product/deliver a valuable service that someone else will voluntarily exchange money/
-
something of value for. Generally, government and other code enforcement types (IRS, for
—
one, is not part of government see Glossary ) are insulated/exempted from this otherwise
most basic requirement for survival in today’s society, living instead off wealth extorted from
others who actually do the work and produce articles/services of value, Modern
governments, using valueless, Federal Reserve/IMF scrip as the exclusive medium of
-
exchange, are sanctimonious, self-protecting, self aggrandizing, parasitic, bankrupt,
commercial front operations for their shyster-creditor masters.

Offered herein are simple procedures for using the same techniques against those who
would deceitfully subjugate you and enrich themselves courtesy of your labor and
misplaced trust. The self-preservation process depends on your awareness of (1) your
True Name and TRADE NAME as legal entities (artificial persons) separate and distinct
from you; and (2) your common-law right to be compensated for the use of your private
property,98 and the methods afforded by the UCC for enforcing this right. A reminder of how
things can actually be, if enough people stop consenting with tyranny in any form:

-
“ ...We hold these truths to be self evident, that all men are created equal, that they are
endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty
.
and the pursuit of Happiness.
among Men, deriving their just powers from the consent of the governed ,
—
That to secure these rights Governments are instituted
That whenever
any Form of Government becomes destructive of these ends, it is the Right of the People to
alter or to abolish it, and to institute new Government, laying its foundation on such
principles and organizing its powers in such form, as to them shall seem most likely to effect
their Safety and Happiness. ... ” Declaration of Independence, 1776. (Underline and bold
emphasis added)

98
Property may not be taken by government . . . even for public advantage or welfare, without just compensation.”
tt

Louisville Bank v . Radford, 295U . S. 555 , 601 , 602; United States v . Butler , 297 U.S. 1 ; Railroad Retirement Board
v. Alton R . Co., 295 U .S. 330.
Maintaining Fiscal Integrity Page 36 of 36
37
 k

>

k
 %

Section 2

The Truth About Esquires

Undressing the U.S. Judicial System
•>

.
 The Truth About Esquires
Undressing the US. Judicial System
Probably the most fundamental, foundational datum that must be confronted by today's
student of the law, if such student has any hope of achieving ongoing success in the
—
application of knowledge of law , is that all law and this statement includes every genre of
codified law in existence , capped off by the Uniform Commercial Code* has been stealthily
and artfully converted into private, corporate policy, and that the administrators of this
—
corporate policy are none other than actors within and without the insolvent (bankrupt)
commercial enterprise known as “United States," and its creditors, the Federal Reserve/
International Monetary Fund syndicate. Governments use laws ; corporations use policy.
This is one reason why the term, “public policy ," has replaced its predecessor , “public law,”
in common legal parlance, the news media / and elsewhere.

You may have wondered why the term "United States” in the,previous paragraph is not
-
preceded by the word “the.” " The United States" is a solecism1 institutionalized by constant
use over a long period of time.2 There is nothing plural about the contemporary use of the
term , “United States.” United States is a singular proper noun, and correct usage does not
include the antecedent definite article the . United States is a corporate trade name, like
General Motors , and identifies a corporation,3 albeit federal and municipal, but a corporation
nevertheless. Just as “ General Motors” does not imply a plural number of “motors" that are
somehow “general” in nature , United States does not imply a plural number of "states” that
are somehow “united.” Just as proper English does not include “ the Canada," “ the Finland,”
“ the Egypt,” and the like in common parlance, it likewise does not include “ the United
—
States” and the implication of a plural number of states slyly and injuriously implants an
erroneous notion in the mind of readers/listeners. Just as “the State of Great Britain"
appears in the Declaration of Independence (1776) , and “the State of Israel" is mentioned
daily in the news media, “ the State of United States” is far more accurate an identifier for
what is erroneously conveyed by use of the solecism, “ the United States.” United States,4
the proper recital of the name, identifies the for-profit, bankrupt, commercial enterprise
incorporated on February 21, 1871 in Washington, DC ,5 presently managed by the receiver
in bankruptcy , Secretary of the Treasury of Puerto Rico,6 a/k/a/ Secretary of the Treasury . 7

1
Solecism : An ungrammatical combination of words in a sentence .
2 “From 1776 to 1789 the United States were a confederation; after 1789 it was a federal nation .” Excerpted from
the definition offederal in: A Standard Dictionary of the English Language , Funk & Wagnalls Company, 1903 .
3
-
The U.S. Government incorporated as a for profit, commercial enterprise in the Legislative Act of February 21 ,
1871 , Forty- first Congress, Session Ill , Chapter 62, p. 419, and chartered a Federal company entitled “United
States ,” i. e . “ United States [ 1871] ” a/k/a “ US Inc . ” a “Commercial Agency” originally designated as “ Washington,
DC . ,” in accordance with the so called 14th Amendment, which the record indicates was never ratified [ see Utah
-
Supreme Court Cases , Dyett v Turner, ( 1968) 439 P2d 266 , 267; State v Phillips, ( 1975 ) 540 P 2d 936; as well as
Coleman v . Miller, 307 U . S. 448, 59 S . Ct. 972; 28 Tulane Law Review, 22; 11 South Carolina Law Quarterly 484;
-
Congressional Record , June 13, 1967 , pp. 15641 15646 ].
4
“The United States government is a foreign corporation with respect to a state .” 19 Corpus Juris Secundum 541 .
5“
Location of United States . The United States is located in the District of Columbia . ” Uniform Commercial Code ,
-
“UCC,” Section 9 307(h) .
6
Secretary of the Treasury of Puerto Rico was appointed receiver over bankrupt United States in Reorganization
Plan No . 26 ( 1950), Title 5 , United States Code, Section 903> Public Law 94-564 (Legislative History, p. 5967).
7
“Secretary . The Secretary of the Treasury of Puerto Rico .” Title 27, Code of Federal Regulations, Section 250.11 .
The title , “Secretary of the Treasury ,” is a euphemistic abbreviation of the actual title, “Secretary of the Treasury of
Puerto Rico,” also known simply as “.Secretary” ( see Secretary in Glossary ) ,
Page 1 of 26 The Truth About Esquires
40
 A Most Insidious Jurisdiction

The following legal precept, however simple , reveals the source of more personal and
international griefi misery, suffering, despair, chaos, and loss of life than can presently be
imagined by nearly anyone outside the inner circle, and that is: “Payment (consideration)
sets the form of law ." I .e. the mode of payment in . any particular transaction sets the
applicable jurisdiction for resolution of any dispute/controversy arising out of any matter
concerning that transaction. This unassuming little aphorism® points the way—for the
serious student of history , politics , and economics—past all the highfalutin9 “authorities,"
and through the looking glass, and into the sprawling spectacle of the most pervasive and
all-consuming confidence game in the history of the world it transcends all national
,

boundaries and establishes venue for the unqualified commercial 10 conquest of mankind: the
artificial, private, corporate “jurisdiction” of Federal Reserve Notes.

All courtrooms in America today are commercial marketplaces dealing in matters bearing
exclusively upon the private , commercial scrip11 known as “Federal Reserve Notes.” The
notion of the "halls of justice" is an ancient fable. Today’s courtrooms are impersonal
12
businesses—under the jurisdiction of a foreign , occupying, military power—that are
managed from the “bench” (from the Italian banca: bank) by merchant bankers called
“judges” and “magistrates” who enforce private, copyrighted, corporate policy (known as
code ) wholly owned by British corporations.13 The “business of the court” consists of
admitting attorneys14 wishing "to conduct business , ” and adjusting and balancing accounts
between debtors and creditors transacting in Federal Reserve Notes , “FRN’s ," who come
before it and consent to have disputes resolved in this, America's modern judicial forum.

Esquires

Esquire , from Middle French escuier , esquire shield bearer, from Lower Latin scutarius ,
from the Latin scutum shield + arius -ary, is defined as:

• -
Originally, a shield bearer or annor- bearer* an attendant on a knight; in modem tirhes, a title
of dignity next in degree below knight and above gentleman. Webster's Revised Unabridged
College Dictionary , Underline emphasis added )
^
8
Aphorism: A short saying stating a general truth.
,
9
Highfalutin: Am.t Slang. Pompous, bombastic.
10
Numerous Caribbean, Central American, and even South American countries have adopted the U.S. Dollar as
their national currency . Foreign banks that keep Federal Reserve Notes on deposit are subject to all Federal Reserve
regulations, examination, and disclosure requirements.
11
12
-
Scrip: Paper money issued for temporary use iman emergency: The Merriam Webster Dictionary . . .
*

America is currently under military occupation by the conquering foreign creditors of the Federal Reserve/IMF
and its garrison troops, the British esquires of the bench and the bar associations. The term mission statement is
strictly a military designator and any organization with a mission statement is a military unit. AU 15 bureaus of the
-
Puerto Rico based Department of the Treasury (including Internal Revenue - Service, Securities and Exchange
Commission, and Bureau of Alcohol, Tobacco and Firearms), all state tax agencies, and all bar associations operate
under a mission statement.. Esquires ( judges and attorneys) are military officers of the Crown (another front for

—
Federal Reserve /IMF) carrying out the overall mission of the bar. It is ironic that the various branches of the United
—
States military the U.S. Army, Navy, Marine Corps; Air Force, and Coast Guard do not tout a mission statement.
13
The Thompson Group, LLC, LTD, with offices located in Montreal, Quebec, Canada owns, among other things:
West Publishing Company; Barclays West Group; Bancroft Whitney; Clark Bordman, Callaghan; Legal Solutions;
Rutter Group; Warren, Gorham & Lamont; Lawyer’ s Coop; Reed Elsevier owns, inter alia: Lexis; Deerings Codes .
14
-
Attorney: Strictly, one who is designated to transact business for another . Black’s 7th.
-
Black ’s Law Dictionary is copyrighted British law and, like all the rest, private, non public domain property . .
•

The Truth About Esquires Page 2 of 26

m
 • In English law. A title of dignity next above gentleman, and below knight « « « « Black’s Law
Dictionary , First Edition, 1891 . (Underline emphasis added)

• A man belonging to the higher order of English gentry , ranking immediately below a
'

knight . . . . Applied to various officers in the service of a king . . . As a title -accompanying a

man’s name . . . In the U.S. the title belongs officially to lawyers . : . The Oxford English
Dictionary, 1971 . (Underline emphasis added)

“Dignity” and “nobility" are synonymous , interchangeable terms, and the Word Manipulators
use each to deflect attention from the other whenever needed:

• “Nobility . The persons collectively who enjoy rank above commoners; the peerage, as the
English nobility ; the qualities which constitute distinction of rank in civil society , according
to the customs or laws of the country , that eminence or dignity which a man derives from
birth or title conferred, and which places him in an order above common mem . ,’’- Webster’s -
1828 Dictionary, hereinafter “Webster’s 1828.” (Underline emphasis added)
• I . . • T* .

• “Dignity . In English law . An honor; a title, station, or distinction of honor. Black’s lsi . The
state of being noble: an elevated title or position; a person holding an elevated title; a right to
hold a title of nobility, which may be hereditary or for life. Black’s 7:h. Elevation; honorable
place of rank or elevation; the rank or title of a nobleman.” Webster’s 1828 .

As can be seen above, an esquire is a title-of-nobility-holding shield-bearer for the King/

Queen of England and takes the lead against any with whom the Crown desires to engage
in battle. Officially, all bench officers (bar-member judges and magistrates) and attorneys in
America are "esquires," officers in service of the ©rown; in legal/commercial terms, they are
foreign-based merchants in commerce { see UCC15 2-104) enforcing the private corporate
policy of their British liege lords and employers16 against unruly Colonial belligerents
(American “customers”) who are deceived and coerced into using the commercial scrip
“currency” of the private , foreign-owned Federal Reserve Bank ( FRN’s) , and who also—out
of ignorance , bewilderment, and the instinctive urge for survival continually attempt —
avoidance, and sometimes even “unlawful” evasion, of the corporate policy (e.g. Internal
Revenue Code) governing the “privilege” and “benefit” (albeit compelled) of using such.

Today, all crimes , including murder , are classified, categorized, and addressed strictly as
commercial/pecuniary17 charges by the militaristic merchants who own and operate the
legal system, issue the codes , and dictate over government. This fact is officially
acknowledged at Title 27 of the Code of Federal Regulations, Section 72 11.18 This single
section of Title 27 alone confirms the undeniable supremacy and applicability of the UCC in ^
all legal matters in every American courtroom, as well as others throughout the world.

13
UCC: Uniform Commercial Code .
16
Statutory Instrument “ 1997 No. 1778, SOCIAL SECURITY , The Social Security (United States of America)
Order 1997 , Mode 22nd July 1997 , Coming into force 1st September /99? At the Court at Buckingham Palace, the
'

22nd day of July 1997 , Present, The Queen’ s Most Excellent Majesty in Council. . . FOR THE GOVERNMENT OF
THE UNITED KINGDOM OF GREAT BRITAIN AND NORTHERN IRELAND: William Marsden (Americas
Director, FCO), FOR THE GOVERNMENT OF THE UNITED STATES OF AMERICA: Timothy E. Deal ,
(Minister, Embassy of the Untied States of America).” For complete text : http://www .hmso.gov . uk/legis.htm .
17
Pecuniary: Of or pertaining to money .
18
See “Crime is Commerce” in Appendix . Start looking more closely at the articles in . the newspaper, especially in
the Business section; it is increasingly common for hearing about criminal charges being “resolved” out of court, Le.
via payment .
Page 3 of 26 The Truth About Esquires
42
 Debunking the Mythical “License to Practice Law ”
*
Newspapers and television media chant incessantly about the so-called “license to practice
law.” Bar-association attorneys do not possess any such “license to practice law” but they
are nevertheless accused of it in California Business & Professions Code. In what can only
be hailed as lexical legerdemain (briiliance in the devious use of words) of the highest order,
the code-encrypting esquires in government have successfully bamboozled even their own
kind in convincing all of the existence of the almighty “license to practice law.” The following
analysis should thoroughly disabuse19 anyone of any such misconception.

Whereas the notion of a “license to practice law” is scarcely mentioned in state and federal
codes , the requirements and parameters surrounding every other kind of license in
existence are spelled out in mind-numbing detail (e.g. Vehicle Code, Internal Revenue
Code, etc. ) . The sacred “license to practice law ,” however, is as undefined and elusive as
the wind: where it comes from; which agency of government issues it; whose signature is on
the certification; how it is conferred; where one goes so he can see one of these things and
examine it; what the tenor (duration, effective period) of the license is; what the cost of the
license is—these and other intensely pertinent questions remain unanswered by the Codes
that foist the implication of its existence upon us .

Here is a front-row seat for observing the word-manipulating esquires—both in and out of
government—in action. California Business & Professions Code, “Cat. B&P”—the 6000
series of which is also known as “The State Bar Act"—at Section 6002 is the solitary code
section in all of California Code that proclaims that any such license was ever issued, but it
does not also tell us which government agency issued it, and likewise where one can go to
see one of these things. Section 6125 of the same Code discusses the practice of law and
bar membership:
“6125, Necessity of Active Membership in State Bar.
“No person shall practice law in California unless the person is an active member of the State
Bar.”
“6002. Members.
“The members of the State Bar are all persons admitted and licensed to practice law in this
State . . . ”

These two cites appear innocent enough, but a glaring outpoint is that they reference
entirely different jurisdictions: § 6125 is applicable only in “California”; § 6125 pertains only
“in this State.” California means the original , de jure California Republic as described in the
20
1849 California Constitution , in this State , however , per California Revenue & Taxation
Code, means the de facto federal territory under control of District of Columbia , a/k/a/
“United States, " and expressly excludes the de jure California (California Republic).
Whereas California has a sovereign constituency , i. e . flesh-and-blood men and women
living on the land under the common law , in this state signifies the federal “State of
California," with its subject- 'citizen of the United States” persons existing under statute in an
artificial realm. There is no other plausible, coherent explanation for not using the identical
term in each Section. For this reason , and this reason alone , §§ 6125 and 6002 bear no
meaningful relation with each other.
19
Disabuse: To free from error, fallacy, or misconception .
20
Per California Revenue & Taxation Code §§ 6017 , 11205 , 17018, and 23034, the terms "in this state," "this state,"
and "State" are defined for tax jurisdiction purposes as “District of Columbia,” a/k/a "United States. "
The Truth About Esquires Page 4 of 26
43
 Both Sections cite only '‘persons.” The only persons in California are corporations and other
corporately colored entities (TRADE NAMES). Since the de jure California essentially
disappeared from the legal scene with the arrival of the U.S. bankruptcy in 1933, § 64$£7s
proclamation makes as much sense as the Vehicle Code asserting UNQ person shall drive
an 18-wheeler on Route 6621 unless that person is a member of the Teamsters Union “ .
,i -
i

What is “The State Bar of California”?

A potentially fatal discrepancy in both Sections cited above is that the entity named, i.e. the
“State Bar," a/k/a “The State Bar of California," does not legally exist, The California State
Constitution, Article 6, Section 9, and the California State Bar Act, codified at Cal, B&P
6001, respectively, make the following proclamations:

“SEC. 9.
, The State Bar of California is a public corporation.”

.
“6001 The State Bar of California is a public corporation •M' •

All bona fide corporations, public and otherwise, must be registered with the secretary of
state. The corporate seal promoted on the letterhead of the State Bar of California indeed
bears an incorporation date of July 29, 1927, but the secretary of state's office informs this
author that, per their records, State Bar of California , as a public corporation, does not exist
(see “State Bar not a Registered Public Corporation" in Appendix for a printout of State
Bar’s missing listing as a public corporation in the California Secretary of State’s online
records of corporations), Speaking with twelve (12) different personnel at the headquarters
—
of the State Bar in San Francisco as high up as the Executive Director’s office—no one
can answer the following questions:

• What type (legal classification) of organization is the State Bar of California?

• What is the significance of the alleged date of incorporation, July 29, 1927, on the
corporate seal touted by the State Bar of California on their stationery?
• Why does the State Bar of California advertise a corporate seal if the alleged
corporation attached thereto is non-existent/defunct and unregistered?
• Why is there no record of the State Bar 6f California as a public corporation at the
secretary of state’s office when both the State Bar Act (at Cal. B&P 6001) and the
California State Constitution , by amendment (November 8, 1966), at Article .
6,
V
a corporation
•

. Section 9, specify that the State Bar of California is public

. ...
?
.. . * •
•
? . . ' •
•••
•
. .
• • . '
•
•
'•
'
• V •
!
•
*

As of this writing (February 2002), the Office of the Executive Director of the State Bar of
California is circulating a memo within State Bar offices that describes the nature of the
organization for all employees. As quoted over the phone by a very helpful senior
administrative assistant at the offices of the State Bar (who shall remain unnamed):

“The State Bar of California is a constitutional agency in the judicial branch of State
government, and the purpose of the State bar is to act as the administrative arm of the
California Supreme Court in matters relating to the regulation of the legal profession .
(Underline emphasis added)

21
Route 66: Former undivided highway running between Chicago, Illinois and Santa Monica, California, officially
decommissioned in 1985 .
Page 5 of 26 The Truth Atfout Esquires
44
>
The only problem with the above advisory memo is that “constitutional agency” is not how
the Constitution and the Sfate Bar Act (Cal. B&P 6001)—legislative acts that created the
State Bar—identify State Bar of California; both specify that it is a public corporation , not a
"constitutional agency . "

Complicating matters , California Secretary of State refuses to issue a "Certificate of Non-

filing” ($5.00 fee) a standard form for any unregistered, non-filing pubfic corporation , for
“State Bar of California , ” claiming that the State-Bar public corporation was formed by
statute (legislative act), and therefore not formed in accordance with the California
Corporations Code, hence lack of statutory authority for Secretary of State to issue the
certificate. State Bar of California is broadly and openly touted as a public corporation, but
has cleverly exempted itself from registration (to conceal its books and records). Resolving
the paradox22 and revealing the utter deceit and criminal intent of the State Bar and the
dissemblers23 that created
• •
it , the following obscure cite from 7
.. . . . .. is • .•
Corpus Juris Secundum 9:
•
•

‘ 4

In view of decision that creation of public corporations by special acts is prohibited by state
constitution, state bar act creating state bar corporation as public corporation has no
viability and designation of state bar as ‘public corporation’ has no legal efficacy .”
Bridegroom v. State Bar, 550 P.2d 1089, 27 Ariz.App . 47. (Underline and bold emphasis
added)

The State Bar Act creating the State Bar as a public corporation “has no viability,” and the
public corporation formed thereby has “no legal efficacy”—but State Bar enjoys the best of
both worlds anyway: an apparent agency of government , enjoying the power and protection
of the state, including exemption from taxation , but in actuality a pirate institution without
legal basis , a conglomerate of sycophantic flunkies (attorneys) at the beck and call of the
judicial system (that enforces copyrighted law of British corporations), operating outside the
bounds of law that the rest of us must contend with every day just to survive. How could we
expect anything less from the “profession” whose very existence is predicated on the
ongoing ignorance of its victim-customers re its practices and policies.
f. -
Bar Membership
Section 6002 tells us “members of the State Bar are admitted and licensed to practice law . ”
Admitted into what? Licensed by whom? The word mastery of this simple proclamation in
both satisfying the reader' s perfunctory24 inquisitiveness, yet firmly establishing ambiguity ,
boggles the mind. Reading these two Cal. B&P Sections , one might get the idea that State
Bar members are the only ones who can ever obtain a “license to practice law .” However ,
because of the way Section 6002 is worded , non-members of the State Bar are not
excluded from being “admitted and licensed to practice law in this State.” Similarly , as
shown below , bar membership is a result of, i. e. follows , being “admitted and licensed to
practice law in this state," whereupon the admitted party is then granted membership in the
State Bar and a bar card—not the other way around: ~

“Generally, a bar association is optional with the individual attorney, but

membership in
where a unified or integrated state bar organization is established * membership and payment
of dues may be required as conditions of practicing iayr in the state. , 7 Corpus Juris
Secundum 8, In re Gibson, 4 P.2d 643, 35 N.M, 550. (Underline emphasis added)

22
Paradox: A statement that seems contrary to common sense and yet is perhaps true.
23
24
.
Dissemble: To conceal or disguise one ’s true nature , intentions , etc so as to deceive .
Perfunctory : Done merely for the sake of getting through; mechanical and without interest .
The Truth About Esquires •
Page 6 of 26
45
 Cat B&P §§ 6125 and 6002 are the only two code sections that bring bar-association
attorneys into the realm of legitimacy. A recap of significant discrepancies:

• Only State Bar members can practice law in c/e jure California , which was; for all
practical purposes , disposed of on March 6, 1933—i.e. § 6125 is pure camouflage;
• Though the media and courts would have us beiieve otherwise , non-State Bar
members are not excluded from being “licensed to practice law in this State";
• State Bar members have been “licensed to practice law ," but when and where and
how and by whom we are not told; and
• California Business & Professions Code requires membership in a non-
existent/defunct public corporation .

—
The State Bar of California does not issue licenses cannot issue licenses—because it is
nothing more than a freewheeling , private trade union posing as agency of government.
Quoting from a statement issued by Governor Pete Wilson’ s office in a May 30, 1998 article
from the LA Times entitled “Wilson Suggests Changes to Let Bar Survive”:

“The bar now ‘acts as a trade organization promoting the legal profession, while continuing
—
to regulate and discipline attorneys a dual responsibility that many of its own member
attorneys call a conflict of interest,’ said a statement issued by Wilson’s office.” (Underline
emphasis added ) ; :

If the State Bar were indeed the source of the mysterious “license to practice law,” then it
would be an absolutely indispensable component of the California State government (an
impossibility), without which no attorney could be “licensed . ” Proving the impotence of the
State Bar of California and the falsity of the licensing myth associated with it , is the following
article from the April 14, 1998 edition of the LA Times:

“Beleaguered State Bar Faces Uncertain Fate - Agencies: It will begin going out of business
as a result of Wilson veto unless Legislature acts quickly”

‘ “... Critics two years ago launched a referendum on whether to abolish the bar, but with just
over half the state’s lawyer ’s voting, the bar survived . About 65% of the- respondents
opposed dismantling it.
“The bar has escaped other brushes with death . In 1985, the Legislature refused for
several months to allow the bar association to collect dues because of its abysmal record in
disciplining lawyers.” (Bold and Underline emphasis added) V:

If the existence of the bar association hinges on an internal vote of disgruntled “critics ,” i.e.
bar- association attorneys complaining about paying dues and disciplining themselves—and
could have easily been abolished in 1985 and 1996—the State Bar of California can be
dismissed as irrelevant as the source of any so-called “license to practice law. ’ However,1

the apparent intent is to bring about the idea in the mind of the public that an attorney’s bar
card is his "license to practice law.”

Regarding the conduct and professional standards of esquires , there is no state or federal
regulatory agency in America governing such matters. Quoting Oceanside, California
Republican Assemblyman Bill Morrow , who sponsored a bill for overhauling and shrinking
the bar in 1998 , in the same LA Times article immediately above:
Page 7 of 26 The Truth About Esquires
46
 “Morrow said that he is not worried that lawyer discipline will lapse . If no legislative
breakthrough is reached by summer, the legislature will simply transfer lawyer discipline to
the State Department of Consumer Affairs, the lawmaker said.” (Underline emphasis added)

Bar associations function merely as tabor unions, like the Teamsters. Just as membership
in the Teamsters Union does not confer the privilege of driving , membership in the bar
association likewise does not confer the privilege of practicing iaw . Rather , membership in
the bar association is a result of being “admitted and licensed to practice iaw.” The notion
that a barassoclation has any obligation to discipline its members is fantasy, and whatever
occurs is .gratuitous. State bar associations cannot be very different than their parent, the
American Bar Association {a “voluntary membership association of attorneys” per their web
site); each is one substantially nothing more than a union of local mercenaries (military
2®
personnel for hire ) carrying a foreign title of nobility and operating under the aegis of the
judicial system , which has a vested pecuniary interest in the proliferation of its members.
1. . . .• . v.

“Attorneys at Law”

—
Cal. B& P 6067 specifies that it is merely a “person ” not a “member of the State Bar" that
must have a certificate of his oath of office indorsed upon his/ her license:
—
“Every person on his admission shall take an oath to support the Constitution of the United
States26 and the Constitution of the State of California,27 and faithfully to discharge the duties
of an attorney at law to the best of his knowledge and ability . A certificate of the oath shall
be indorsed upon his license.” (Underline emphasis added) .
r •• • • • •* % • V

We are not toid what is meant by “admission" in this Code Section (revealed below) , but if
the bar card were the so-caHed “ license to practice law” then the above referenced oath -
would be inscribed upon it in certificate-form and indorsed , No bar card a credit card
—
sized piece of plastic has any such indorsed certificate of oath of office upon it. The only
text appearing on the bar card of the State Bar of California concerns annual union dues:
— -

“This certifies that the person whose name appears on this card has paid the annual fee
required by statute .”
• ' •' . ’

Punctuating this whole matter , your authors are personally acquainted with more than one
“ practicing attorney at law" who is not a member of the bar. If such “attorneys at law" are
“admitted and licensed to practice law in this State" (Cal. B&P 6002) and do so yet are
not members of the bar association , upon exactly which "license” is their “oath to support
the Constitution of the United States” indorsed?
— —
The Actual So-Called “License to Practice Law ”

The reason British esquires can practice iaw without a state issued license in American
courtrooms is that the courtrooms are no longer de jure government instrumentalities/
-
operations, but rather private , monopolized , commercial venues/ marketplaces for enforcing
the private , copyrighted , corporate policy (statutory law/code) of the owners of the codes
*
' .

25
Aegis: Shield; protection; patronage ; sponsorship.
26
The de facto “Constitution of the United States” ( 1873 ) represents the legislative democracy; the de jure
“Constitution of the United States of America” ( 1787 ) represents a constitutional republic.
27
The 1849 California Constitution is the de jure Constitution of California; the post-US incorporation 1879
Constitution (containing no effective date) of the State of California is the de factoy federally colored constitution .
The Truth About Esquires Page 8 of 26
47
 and the FRN’s, as mentioned eartier. Possession of a bar membership card, as in any labor
union, means only that a particular esquire has attained at least some degree of expertise
and that his/her union dues are current. Nothing else.

The answer for the above uncertainties apparently lies in California Business & Professions
Code Section 6064 , “Admission on examiner ' s certification; Admission certificate”: ,

‘Upon certification by the examining committee that the applicant . has fulfilled the ,

requirements -for admission to practice iaw, the Supreme Court may .admit such- applicant as
,

an attorney at law in all the courts of this State and may diret an order to beie ared up®n its
^
records to that effect, A certificate of admission thereupon shall he given to the applicant ^
by the clerk of the court.” (Underline and Bold emphasis added)

First of alt , the fact that a separate body , “the examining committee,” must- certify that an
applicant “has fulfilled the requirements for admission to practice law” is further evidence
that simple bar membership does not confer a “license to practice iaw”—otherwise Section
6002 would be sufficient in itself, with no further requirement for being “licensed."

Regarding the true importance of the so-called "examining committee” referenced above in
Section 6064: the chief justice of the Supreme Court pan unilaterally overrule its decision
and admit any applicant that has been rejected as unfit/unqualified. “Admission to practice
law" is controlled ultimately by the chief justice of the Supreme Court of the jurisdiction:
“Supreme Court has inherent power and authority to admit an applicant to practice law in this
State...despite unfavorable report upon such applicant by Board of Governors of State Bar.”
(Underline emphasis added) Lacey , In re (1936) 11 CA2d 699, 81 P2d 935.

“The authority of the Committee of Bar Examiners is limited to investigating and

recommending for admission those applicants found by it to be of the prescribed standards.
Only the Supreme Court has the plenary28 power to admit applicants who, in the opinion of
the court, meet the prescribed test, whether or not the Committee agrees with the conclusion
of the court.” Greene v. Zank (1984, 2d Dist) Cal App 3d 497, 204 Cal Rptr 770 . (Underline
emphasis added)
• .: f
Other sections of the Code reveal that the “license to practice law” follow? “admission to
practice law , ” not membership in the bar- association:

“6060.5. Neither the board, nor any committee authorized by it, shall require thM applicants
for admission to practice law in California pass different final bar examinations depending
upon the manner or school in which they acquire their legal education. “
”6060. To be certified to the Supreme Court for admission and a license to practice law, a
person who has not been admitted to practice law in a sister state...shall ... (Bold and
underline emphasis added)
• . * * "•
. - *
*
, • «' ? • . ,

“6064.1. No person who advocates the overthrow of.the Government of the United States or
of this State by force, violence., or other unconstitutional means, shall be certified to the
Supreme Court for admission and a license to practice law .” ( Underline and bold
emphasis added)

28
Plenary: Full in all respects or requisites; entire; complete; also , complete, as embracing all the parts or members .
Page 9 of 26 The. Truth About Esquires
48
 -
A real life example of the true nature of the so called "license to practice law,“ taken from a
November 1G, 2001 article in the LA Times entitled “Clinton Resigns From High Court Bar”:
-
...Former President Clinton hereby respectfully requests to resign from the bar of this
-
court,’ his lawyer, David E. Kendall , said in a two page letter to the high court’s clerk . *.”

“Clinton’s resignation from the Supreme Court bar will have little practical impact. Clinton
has not practiced before the Supreme Court and was not expected to argue any cases in the
.
future. ..” (Underline emphasis added)

Clinton resigned only from the Supreme Court bar, and from no other bar The former so- .
called “license to practice law” in question is the certificate of admission issued by the
-
Brilish esquire chief justice of the Supreme Court; just like the one issued in c/e facto State
of California , where the chief justice has final say so over who gets “licensed” (chief justice
is the Supreme Court). Every other “license to practice law " held by Clinton for doing
-
business in all other courtrooms remains intact . The only possible “license to practice law,”
the certificate of admission, does not fit the definition of ‘license’' per se , but is a de facto
license , as proven below , issued by the Supreme Court of the jurisdiction. ,
Source of the “License” and the British Title of Nobility .

Since the Code painstakingly avoids ever actually naming/identifying the imaginary “license
to practice law,” we must look deeper to discover the true nature of the certificate of
admission and why it is construed as a “license to practice law .” An underlying aspect of

—
—
the certificate of admission and likely the only reason we are ever even told of a “license
to practice law” is because it is the equivalent of the " right to practice law,” revealed at 7
Corpus Juris Secundum 4 (page 801) and the actual referenced case:

“In this state, the to practice law is conferred by letters-patent, issued under the
right
great seal of the state by its chief executive ... The right to practice law is a property right
existing by virtue of . . . letters patent, from the state as the sovereign. 168 A, 229; 114 N.J.
Eq. 68. ( Underline and bold emphasis added!
1 . •

The word patent is defined as follows:

•
‘

. * ,# • ’• • • * "

“1 a. Manifest or apparent to everybody ; requiring no search to discover; conspicuous;

•• '» . / v •

evident; plain; as, the fraud was patent. 2. Covered or protected by letters patent; secured
from interference by government protection ... 3. Open for general inspection, as letters
.
patent . .. n.. . ..3. Law. A grant of any privilege, franchise, efc., made by sovereign
authority .” A Standard Dictionary of the English Language, Funk & Wagnalls Company
(1903). (Bold and Underline ..
and emphasis..added)
. •
,
. : '
•• v •

•' •
* ‘ . . .. ; . : Y

• “1. A government protection to an inventor, securing to him for a specific time,, the exclusive
right of manufacturing, exploiting, using, and selling an inyention; the right granted. 2 .
Hence, any official document securing right .” Funk & .Wagnalls Standard Dictionary,
International Edition (1958). (Bold and underline emphasis added)
The true relationship between Crown and United States should be coming into focus: the
source of a patent, as . well as letters patent (described below), from the beginning has
always been the sovereign, the Crown, the originator of this device. Because the Crown
had a supreme need for disguising its commercial interests in America, while continuing to

The Truth About Esquires Page IQ of 26

49
 conduct business in the name of its straw-men29 esquires , the notion of a “sovereign”
artificial person (United States), a so-called “sovereign state,” had to be concocted and
introduced into the legal world . Officially proclaiming United States a “sovereign” thereby
endowed the enterprise with a sense of legitimacy and propriety , while still controlling
utterly, however, the destiny of the new corporation via its esquires . For esquires, the
chain-of-command still runs to the Crown. [Historical Note: 24 of the 56 Founding
— —
Fathers almost half were king’s esquires.] The actual case cited from Corpus Juris
Secundum above (168 A. 229; 114 N.J. Eq. 68 . ) sheds more light on this phenomenon:
“In this state, the right to practice law is conferred by letters patent, issued under the great -
seal of the state by its chief executive. In re Branch, supra. This has been the custom from
the very beginning of the Province of New Jersey. In re Hahn, supra. So that attomeys at --
law in New Jersey are the holders of a franchise granted by the state, through the governor,
-
by letters patent, by the same authority as formerly was exorcised by the British crown .
I Pollock & Maitland's History of English Law 191 . A franchise is a royal privilege, or
branch of the king's prerogative, subsisting in the hands of a subject. ’ 2 BI. Com. 37. A
-
special privilege conferred by government on individuals and which does not belong to the
citizens of the country generally by common right. Ang. & A. Oorp. P 4 ” ...
“Since the right to practice an ordinary calling, business or profession is property (State v.
Chapman, supra), it follows that the right to practice a profession conferred by the state as a
franchise by virtue of what Was originally the khf &'s prerogative, is a property right.” 168
A . 229; 114 N. J . Eq . 68. (Underline and bold emphasis
_ added)
‘ . • i . . * . •* . • . <

Investigating letters patent , we find: '

• '‘ Hist. A document granting some right or privilege, issued under government seal but
open to public inspection.” Black’s 7th . (Bold and underline emphasis added)
\ * ’
• ‘ . • !. .’

• “An instrument proceeding from the government, and conveying a right, authority, or grant to
an individual ...” Black’s 1st. (Underline emphasis added )
„ i '

• [From within the definition of letter : } “ Letters patent, an open document under seal of the
government, granting some special right, authority, privilege, or property, or conferring
some title;. .. A Standard Dictionary of the English Language, Funk & Wagnalls Company
( 1903). (Underline and bold emphasis added)

No attorney can produce a valid, state-issued “license to practice law ,” and no such
“license” exists . However, there is such a thing as a “ right to practice law ," which is a
special property right and , as confirmed above within Corpus Juris Secundum , said right is
granted by means of letters patent . The so-called “license to practice law” can be none
other than the letters-patent “certificate of admission"—a document that can only be
construed as the fabled “license to practice law ," and then only covertly , by and within the
judicial system. As confirmed in the dictionary-definition of letters patent immediately
above, the British-esquire-run Supreme Court, in the granting of letters - patent, tacitly
confers the British title of nobility, Esquire . Attorneys at law are free to begin using their
>

new title upon receipt of the certificate of admission. Bar membership is incidental (non-
essential re the “ right to practice law”) , follows in the wake of the letters patent, and
establishes a sham straw man between the judicial system and the people.

29
Straw man . A “front”; a third party who is put up in name only to take part in a transaction . Black ’ s 6 th.
Page 11 of 26 The Truth About Esquires
#0
Since there is no requirement that an attorney at law identify himself as an esquire, there
must be some other factor at play that induces such extraneous behavior:
. • • * • • . * .
v

“Admission to the practice of law is membership in an ancient and honorable profession

that has for its goal the furtherance of the administration of justice, and the attorney is an
instrument for the achievement of such noble purpose.” McFarland v. George, App., 319
S.W .2d 662. (Bold and underline and emphasis added)

“Profession includes much more than the mere management of the prosecution and the
defense of litigated cases.” Commonwealth of Pennsylvania v. Wheeler, 73 Pa. Super. 164.

“Accepting employment entails duty to courts and faithful performance of services.” 7

Corpus Juris Secundum 4, page 801. (Underline emphasis added)

“One who is admitted to practice as attorney at law, both by virtue of his oath of office and
customs and traditions of the legal profession, owes to the court the highest duty of
fidelity .” 97 N.W. 2d 287; 255 Minn: 370 In re: Lord. (Underline and bold emphasis added)

What better way of advertising one’s true colors (“military service," per Merriam-Webster
—
Dictionary) re the source of one’s newfound power than by voluntarily affixing the
addendum, ( king’s ) " Esquire ," on the end of one’s name.

British corporations have now copyrighted, and own, every type of Code within the entire
U S. judicial system (as cited in Footnote 13 on the second page of this treatise). The
private policy of British corporations is being enforced in American courtrooms in the form of
a property right bestowed upon a special class of “citizens” who become British esquires.30
Black’s Law Dictionary is copyrighted British law.

Whereas the bar association is presented as the supreme force irt the legal realm, it is
actually only a club of private henchmen under the control of the Supreme Court, which
grants a special “property right” ( to practice law ) in letters patent disguised as “certificates of
admission,’ thereby covertly conferring the title of “esquire” upon recipients. The corrupt,
unregistered, and illegitimate bar association dutifully slinks along behind the master —
—
nevertheless a vital tool in the designs of the Legal Masters of the World a storefront for
deflecting public scrutiny and providing a semblance of piety31 within the legal profession.

Esquires carry out the business of the Crown, i.e. extraction of both participatory payments
arising out of the original commercial joint venture between the Colonies and the Crown,
—
and war reparations called “war contributions” (see war contributions;in Glossary ) from
American Colonial belligerents (you).
—
The Fox Guards the Henhouse

Besides the fact that all three branches of what passes for “government” in America the
—
legislative, judicial, and executive branches of bankrupt, de facto US Inc. are run almost
—
exclusively by personnel operating under a British title of nobility, every prosecuting attorney
at every level of government operates in a manner that makes a mockery of the “separation
of powers’ doctrine. Under “Attorney & Client” in Corpus Juris Secundum (1980) we have:

30
Ex-Mayor of New York Rudy Giuliani is the most recent recipient, but apparently the past many American
presidents have each been honored with knighthood (“Sir”; title of Mobility) bestowed by the Crown.
51
Piety: Fidelity to natural obligations .
The Truth About Esquires Page 12 of 26
51
 “His first duty is to the courts and the public, not to the cMent. andwherevgrthe dutiesto
his client conflict with those he owes as an officer of the eourt in the administration of
justice, the former must yield to the latter. The office of attorney is...vital to the well being
of, the court .... Attorneys as officers of court have dutv to maintain respect due court
-
which duty should exceed that imposed upon the public generally and which duty' should not
be looked upon lightly and cannot be shirked under the guise of representing interest of
a party litigant. 7 Corpus Juris Secundum 4 (Bold and underline.emphasis added)

“ Duty of attorney is to court if litigant client’s interest threatens a state interest. 7

Corpus Juris Secundum 43.. (Bold and underline emphasis added)
“One who is admitted to practice as attorney at law, both by virtue of his oath of office and
customs and traditions of the legal profession, Owes to the court the - highest duty of
:

fidelity. 7 Corpus Juris Secundum 4. (Underline and bold emphasis added)

“It is generally accepted that an attorney is an officer of the Court and, as such, an officer
and arm of the state *” 7 Corpus Juris Secundum 4, Virgin Islands Bar Association v. Dench,
D.C. Virgin Islands, 124 F. Supp. 257 (Underline and bold emphasis added)

The internal memo from the Executive Director of the State EUrr of California referenced
earlier is in complete harmony with the above cites from Corpus Juris Secundum .
“The State Bar of California is a constitutional agency in the judicial braftgh of State
government, and the purpose of the State bar is to get as the of the
administrafatnufiii
California Supreme Court in matters relating to the regulation of the legal profession.
(Underline and hold emphasis added)
-
As abundantly shown above, the duties and obligations of bar-association attorneys lie with
the court and the “public” (government interests), and never the cHent. “Clients" are fodder
for the wealth-confiscation and freedom-usurpation activities of the court. Attorneys are
elevated above others with a special property rightand title of nobility and empowered with
quasi-immunity to ensure that the courts get their daily ration of Code-ignorant ’customers."

Prosecuting attorneys are , by definition, part of the executive branch, but because all
attorneys are “officers of the court” and members of the judicial branch, prosecutors must
32
first genuflect for the judge—his/her lifeline in the marketplace—and second for the
executive branch, which issues his/her paycheck .

“ While the attorney general is a part of the executive branch of government, as an attorney he
is also an officer of this court. When he appears in court in a legal matter, he is acting as an
attorney.” 255 Minn. 370; 97 N.W.2d 287.
33
This factor confirms the most egregious conflict of interest in government today , in that a
prosecuting attorney’s first duty is drumming up business for the court/judicial branch
(private commercial enterprise enforcing policy of British corporations). This arrangement is
a self-initiating business monopoly operating under the charade of government altruism,
where the prosecuting attorney’s actual agenda is pleasing the judge34 and the judge’s
32
Genuflect: To bend the knee as an act of reverence or worship.
33
Egregious: Notably or conspicuously bad; flagrant . . . . , :
34
As much as one-third of all court proceeds goes into a judge’s retirement fund, a wartime practice described in the
definition of the term booty: “The capture of personal property by a public enemy on land, ip contradistinction to
Page 13 of 26 The Truth About Esquires
52
foreign masters by bringing in sacrificial client-victims from the “enemy camp” (Main Street,
—
USA) not in “standing guard as a sentinel of freedom” as a member of the executive
branch and ensuring that justice prevails.35
•
:
v
‘
. °
• >. -
> •• • - "

This philosophy manifests for non-prosecuting attorneys, as well: at a 1999 private get-
together, a junior of LA’s former City Attorney, Gil Garcetti, revealed in conversation with an
associate of your authors that his primary duty as “third-in-command” at the city attorney’s
office was “generating new business for attorneys.” The judicial' system is a private
business monopoly posing as an agency of government that dispenses justice and
preserves and upholds the U S. Constitution. Upon investigation. its actual agenda is found
to be “herding unwary/unwitting victims into court for sacrifice at the judicial altar." The
-
judge-attorney Brotherhood deals in secret clubhouse, members-only code words,
language, and procedure specially formulated to ensure that non insiders do not -
comprehend what is transpiring.- There is an almost infinite number of legal trap doors,
escape hatches, and secret diversionary techniques used for shunting knowledgeable
customers when they get too close with the workings of the operation.

-
The original , un enacted 13th Article of Amendment of the Constitution reads as follows

“If any citizen of the United States shall Accept, claim, receive , or retaih any title of nobility
or honour, or shall without consent of Congress, accept and retain any present, pension, -
office, or emolument of any kind whatever, from any emperor, king, prince, or foreign
power, such person shall cease to be a citizen of the United States, and shall be incapable of
holding any office of trust or profit under them, or either of them ” (Bold emphasis added )
.

The entire purpose of the Crown’s (England’s) War of 1812 with America (despite having -
signed the Paris Peace Treaty only 29 years earlifer) was the destruction of the official
records containing the first 12 States’ approval of the new Article of Amendment, housed in
the Library of Congress. Ratification by three-quarters of the 17 states was necessary '

before the Amendment could be enacted and Virginia Was the only state that had not voted.
-
The so called War of 1812 was initiated before this could occur (although Virgifria later
passed the Amendment as proposed). Once the building and its contents were destroyed
by fire the “war” was over, the British withdrew, and members of Congress were pressured
in various ways to retain only extant prohibitions 35 in the Constitution, which state merely
that the U S. Government cannot grant a title of nobility, and that “Consent of the Congress*’
is required to accept any such title.
. • . ' . ' . •
\ • • r • • • ' ‘

The moneychangers overseeing the Crown thereby arranged for the continuing, uritfettered
commercial conquest of America by stacking all three branches of government with cfe facto'
British military officers. Had the Library of Congress not been destroyed, we would have no
British agents/esquires/attorneys holding political office in America and no XIV —
prize, which is a capture of such property at sea . . The right to booty belongs to the sovereign; but:some times the
f

right of the sovereign . . As transferred to the soldiers, to encourage them . . .” Bouvier ’ s 8th.
35
The supreme prosecuting attorney in America, the U -S. Attorney General , is also, per the 1994 U . S . Government
Manual (p. 390) . the permanent representative to INTERPOL. . ” INTERPOL is the International Criminal Police
Organization, a 169-member-nation intelligence^gathering/-dissemination group whose constitution requires that
;

any such representative expatriate his/her citizenship, further identifying the foreign status of this particular esquire;
36
No Title of Nobility shall be granted by the United States: And no Person holding any Office of Profit or Trust
under them, shall, without the Consent of the Congress, accept of any present, Emolument, Office, or Title, of any
kind whatever, from any King; Prince, or foreign State ” The Constitution for the United States of America , Article
I, Section 9 , Clause 8 .
The Truth About Esquires Page 14 of 26

S3
 Amendment, no U.S. incorporation in 1871, no XVI Amendment, no Federal Reserve Act of
1913 , no U S . bankruptcy in 1933 , no personal income tax , no $6-Trillion national debt, and
no Social Security Ponzi scheme37—and numerous other sociat/ economlc/politicaI
calamities—all handiwork of the King’s esquires .

Sugar-Coating the Deceit

The reason Hollywood cranks out so many feel-good lawyer movies where the selfless,
kindhearted, benevolent attorney is played by a box-office superstar; the reason there are
so many attractive , popular; actors in an ever-increasing number of engaging courtroom-,
judge-, and attorney-re ated TV shows; the reason all judges carry a quasi title of nobility,
i.e. “the Honorable.. . "; the reason the media carries on the charade disguising the true
-
nature of bar associations and the phony .‘'license to practice law ,” etc. is to obliterate the
truth and persuade the masses , via continuous bombardment with subliminal messages,
that judges and attorneys are a swell bunch of patriotic guys and gals who. take up for the
little guy and work tirelessly for “truth , justice, and the American Way.” Such propaganda
gushes forth with increasing frequency as required damage control for the devastating
societal Impact of the wholesale destruction of lives at the hands of esquires.39 The entire
operation is predicated on keeping victim-customers ignorant of the meaning of the secret
code words and rituals employed in the process, an unfeeling, cold-blooded , reptilian
mentality.40

The life of an esquire, i.e . all bench officers and all attorneys, is an ultra-deceitful, quasi-
genocidal undertaking in charlatanism where a successful career is determined by the
esquire’s efficiency In separating the esquire' s clients , and sometimes even adversaries of
the esquire’s clients, from their wealth/ freedom. Esquires deserve no sympathy from
anyone because they play by a different set of rules than everyone else. Attorneys win onjy
50% of their cases , a mathematical fact , but a moot point because attorneys always get
paid , win or lose . Whereas other professionals are paid based strictly on results and the
quality of their work, attorneys collect their inflated fees in full even when they fail—and
payment of attorney fees is enforced by the judicial system conclusive proof pf the —
inherently criminal nature of the U. S . judicial system and all its collaborators. After all, what
is a criminal but someone in possession of a valuable commodity that was acquired without
exchanging something else of value for it? Half of all fees collected by attorneys ;are
obtained without fair exchange—not much different than extortion, ransom, and solicitation
of bribes. The true nature of the Legal Brotherhood gets dearer and clearer: the judicial
system enforces payment of legal fees by judicial decree—even when the attorney fails—so
the attorney community will continue bringing “business" into the court. What other
profession gets paid in full for complete failure?

37
Ponzi scheme: (pon-zee). A fraudulent investment scheme in which money contributed by l ter investors
^
generates artificially high dividends for the original investors , whose example attracts even larger investments.
Money from the new investors is used directly to repay or pay interest to old investors, usu. without any operation or
revenue-producing activity other than the continual raising of new funds. This scheme takes from Gharfes Ponzi,
who in the late 1920’s was convicted for fraudulent schemes he conducted in Boston. Black's For details- on the
true nature of Social Security see “The Curse of Co- Suretyship, ” in Section 3 of this manual ;
38
Judges are accorded official immunity because conducting business would be impossible without such 4 built- in
exemption for crimes committed . The quasi-title of nobility, “The Honorable ...,” “His Honor,” etc ., accorded judges
is an absolute public relations necessity and a permanent attempt in Convincing all that—at least according to the
39
—
esquires of the judicial system the judge is honest, even if few , if any, of his/her customers/victims would concur.
The contemporary legal profession actually exerts a negative (parasitic) influence on the Gross National Product
in that its functionaries create no value, but continuously siphon off enormous sums of wealth and money .
40
“Better to be a mouse in the mouth of a cat than a man in the hands of an attorney . ” Spanish proverb.
Page 15 of 26 The Truth About Esquires
54
 Money Motivation

When the Fair Debt Collection Practices Act, “FDCPA,” was enacted on September 20,
1977 (Public Law 95-109) the Act exempted from its provisions “any attorney collecting a
debt as an attorney on behalf of and in the name of a client;’’ Seizing on the obvious
advantage (a debt coHeotor could not threaten legal action, for example, but an exempted
attorney could), the number of attorneys handling consumer collection accounts quickly
surpassed the total number of lay41 collectors in the entire industry.

Representatives of a major national law firm, testifying in a hearing before a subcommittee

of the U S. Senate on May 25, 1983, estimated that in 1982 alone it received 365,471
consumer accounts for collection, representing a total dollar value of tfiore than $355
million, roughly ten (10) times the volume collected by the average ACA (American
Collectors Association) member agency, as determined by national survey. This law firm
also testified that nearly 92% of the consumer collection accounts it handled that year did
not involve legal action; He. no lawsuit was necessary for 92% of the money it collected.
Quoting from the House Report (99-405 (1986)) from which the above is taken:

“The application of several provisions of the Act to attorneys collecting debts are worthy of
note. The restrictions of sections 804 and 805(b) op contacts with third parties [neighbors,
employers] regarding a consumer’s debt are intended to protect the privacy of consumers'
financial affairs. These contacts are not legitimate collection practices and result in serious
invasions of privacy , as well as the loss of jobs. The Committee discerns no reason to make
any distinction based upon the identity of the debt collector.” (Underline emphasis added)

Besides threatening the entire lay collection industry with extinction within five years of
inception of the FDCPA, the practices of the debt-collecting esquires generated so much
enmity42 in American consumers/voters that Congress was besieged with demands for help
and, in 1986, officially removed the attorney exemption. As cited in the House Report, the
original basis for the exemption was a belief that state bar associations would adequately
police attorney violations, but the evidence revealed a different scenario:
* * • . . .
: . • , • •

“ . . . the main concern of state and local bar associations is not the protection of consumers,
but the protection of lawyers.”

Despite their setback with the FDCPA, attorneys still have a license for subterfuge,
deception, and thieveiy, courtesy of the monopoly over the field of law held by the bench
officers, another covin43 of esquires. When you begin doing asset searches on judges and
government attorneys, the magnitude of the con begins to come into focus. . Many of these
characters are fabulously wealthy, and a great many pf them (especially judges) have
transferred title of all real property from their name into the name of aTrust. The potential of
getting nailed under their own name for misdeeds (crimes) committed against an unending
stream of unhappy “customers”44 is certainly enough reason to take such measures .
41
Lay: Of or relating to the laity (the mass of people as distinct from those of a particular field); lacking knowledge
of a particular subject.
42
Enmity: The spirit of an enemy; hostility
43
Covin: A secret conspiracy or agreement between two or more persons to injure or defraud another. Black 7 s 1 st.
A secret contrivance between two or more persons to defraud and prejudice another in his rights . Bbiivieris B*:
44 ‘
“ We always say that we have the most unhappy customers in the world,’ he said. ‘They are either being sued or
are defendants in a criminal case or are defendants in a family law case.’” Gerald Kippen, Los Angeles County
The Truth About Esquires Page 16 of 26
55
 Esquires are motivated by money, the lowest form of motivation, proven by the very nature
of their profession: an exclusive cult45 with foreign allegiances whose members thrive on
withholding vital information from clients, adversaries, and other marks (intended victims in
a confidence game), and who will casually and callously trash the life of anyone for? the sake
-
of personal financial gain, depending utterly on the ignorance of victim clients to perpetuate
the con and stay in business. Based on firsthand knowledge and experience; the loftier the
position, the more perfidious46 the esquire.

Government-Esquire Debt Collectors

Even though regular attorneys must comply with the FDCPA in the collection of debt,
government-esquire debt collectors do not . Government officials, i.e. U.S. Attorneys and
Assistant U.S. Attorneys, are exempted from the Act and labor under no such restraints in ,

conducting business. As mentioned earlier , all crime is commercial (Title 27, Code of
Federal Regulations, Section 72.11), with a commercial (financial) charge attached
therewith; and any occupational demand for money is classified as “debt collection "
Government-de'bt-collecting esquires bring in tremendous sums of cash for themselves and
their masters, unhindered by the restrictions of the FDCPA.

A revealing, related fact Concerning debt-collection personnel at IRS: while government

officials are expressly exempted from the FDCPA, IRS’ officials are not. Section 5.1.1.6 (01-
24-2001) of the Internal Revenue Manual reads as follows:
* . * ,
: • •' !

“Fair Debt Collection Practices Act

“IRC47 6304 requires the IRS to comply with certain sections of the Fair Debt Collection
Practices Act (FDCPA). These deal with:
v
'

. • “Contacts regarding unpaid tax, and

• “Harassment and abuse of taxpayers. Y:r

“The law. applies to contacts with all taxpayers, including corporations and partnerships ”
# # #

if IRS were an agency of the U.S. Government there would be no mention of the FDCPA in
its manuals. IRS is not part of government,48 so IRS esquires are bound by the restraints of
the FDCPA just like all other rion-governmental debt collectors.

Military Courtrooms

The law ' of the flag tells us that the colors (flag) flown in any forum/on any vessel dictates
the law form and jurisdiction under which that entity is conducting business. Original .
legislation describing the American Flag is found at Title 4 USC, Chapter 1, Sections 1, 2,
and 3. Flags not meeting these ex-act specifications are expressly excluded as American
flags. The flag that flies in today's courtrooms is not the American flag described in Title 4,

Superior Court’ s Northeast District court administrator for 40+ years , as quoted in “Manager Keeps Order in the
Court” (LA Times, February 1 , 2002).
45
Cult: A . group of persons having an excessive interest in something; extravagant devotion to a person , cause, or
,

thing. The Doubleday Dictionary For Home , SchooLand Office, 1975 . . • . •

46 ^
Perfidious (Latin per through + fides faith): Characterized by or guilty of perfidy (treachery ; faithlessness );
treacherous; involving: a breach of faith; contrary toloyalty and truth. •

47
IRC: Internal Revenue Code.
48
—
IRS ’s two biggest expenses are postage and rent but government . agencies do not pay postage and rent. See
Internal Revenue Service in Glossary for additional proof.
Page 17 of 26 The Truth About Esquires
.

56
but rather a gold-fringed,40 military flag of war enforcing the private, general equity ,
admiralty/marttime law of the same merchant bankers and shippers who swindled 's Amide
gold50 and bankrupted and conquered the UvS. Government between 1907 (Money Panic of
1907) and 1933 (depletion of gold stocks and repudiation of obligations, i.e. could not make
good on promise for redeeming gold certificates *= insolvency /bankruptcy).
r :.
“Placing of fringe on the national flag, the dimensions of the flag and arrangement of the
^
stars are matters of detail not controlled by statute, but within the discretion of the president
as commander- in-chief of the Army and Navy .” 34 Ops. Atty . Gen. 483 ( 1925 ).

American courtrooms are stacked with foreign military personnel (esquires) , in quest of a
military objective (mission statement of the bar association) doing battle with enemies
(debtors) of the Crown (creditor) and extracting war reparations (“war oontributions’Vtaxes)
from belligerents (American sureties51) in the field (battleground/Colonies). By law, any
courtroom flying a military flag is a military courtroom/tribunal under martial-law rule.
Admiralty is a unique jurisdiction in that it carries criminal penalties for civil offenses the —
only jurisdiction where military might is employed to enforce private contracts. Under
martial taw the accused is guilty until proven innocent, and a judge (master of the
ship/vessel) rules summarily in an '’administrative” proceeding without a jury, as it is done in
traffic and misdemeanor cases in America. In such matters the customer has two choices:
(1) appear before a bench officer and attempt to prove himself innocent; (2) simply concede
guilt and mail in the payment . Failure to convene a jury for felonies and certain other
circumstances can make for too much bad publicity , and so is avoided.
Conquest Through Commerce

You may have wondered why China is on the mind of so many American ^politicians, and
why actors within the U. S . Government have been such vocal and legislative champions of
China’s cause in obtaining "most favored nation” trading status and being allowed
admittance into World Trade Organization (WTO). China, which represents the largest
source of cheap labor in the world (China can undercut Mexican labor by as much as’90%),
was bankrupted in 1933 along with America and every other noteworthy government at the
time, and was thereafter converted into a communist state in 1949. The “mother lode of
manpower" has now been successfully harnessed for dominating (by but-producing -and
undercutting' the labor force of every nation in existence) the planetary economic free for-all
that quietly began upon China's entrance into the WTO.
-

49
-
See Army Regulation 840-10 and 260 10, 34 Ops. Atty. Gen. 83, and Presidential Executive Order 10834 of
August 21, 1959, Per Army Regulation , only in military courtrooms are such flags flown.
50
For an entertaining and insightful discourse on the theft of America’s gold, see Wizard of Oz, The in Glossary.
51
Surety: A person who is primarily liable for the payment of another’s debt or the performance of another’s
obligation. Black’s ?*.
-
A distinction exists between “ martial-law rule” and “ martial law.” Martial law rule has been the normal operating
condition in America since 1861, when rulership devolved into the hands of the “President of the United States” in
-
his capacity as Commander•in Chief of the military. Martial lawt on the other -hand, is ; a state of express,
undisguised military rule, with troops in the street and the military serving as police, governing all civilian functions;
-
Americans will know that the country is officially under ftill fledged martial law if the president, in a televised
-
address from the Oval Office, ever has a red fringed flag displayed by his desk .
The Truth About Esquires Page 18 of 26
57
 The inevitable denouement53 of the clandestine love affair between beltway commies and
Chinese labor is portended54 nowhere more clearly than in an article from the January? 27,
2002 edition of the LA Times (“Cranes Lift Upstart Above Competition,” p. C1) . . T

“SAN FRANCISCO —
Beneath autumn skies, a freighter carrying four of the world’s largest
container-cargo cranes glided into San Francisco Bay, squeezing under the Golden Gate
Bridge en route to the docks of Oakland .
“That day in the fall of 2000 was a spectacular, but not singular triumph for an upstart
Chinese company that dominates manufacturing of the most important piece of maritime
machinery other than ships . .
“The story of ZPMC’s [Shanghai Zhenhua Port Machinery Co.’s] rise illustrates the
gathering, and at times controversial, economic might of China as it dominates new sector’s of
global commerce . . , .”
“After being launched in 1992, ZPMC took just six years to become the leading maker of
ship-to-shore cranes, and the company has remained at or near the top.
“In U.S. ports, where the company sold dozens of towering cranes for $5 million to $7
million, the formula for success was simple : Bid low and build alliances.
“Using its own Chinese labor and its own fleet of delivery ships to cut costs, ZPMC
consistently underbid the competition by hundreds of thousands of dollars or more . .

China's role in the Chosen Masters’ attempted conquest of Earth is that of "the great
equalizer,” i.e. the commercial force that amalgamates all competition into a homogenous
mass of ineffectual workers and consumers—and the banker-front men in District of
Columbia have spared no effort to ensure that China's needs receive top priority. Did you
ever ask yourself how China (and Russia) ended up on the U.N. Security Council at its
inception? Business as usual for the same gang that conceived (beginning in 1931 in New
York City) , organized, financed, precipitated, orchestrated, and dictated strategy and tactics
for United Nations’s55 “coming out party,” World War II.56

Article l, Section 10, Clause 6 of the Constitution says, “No State shall...pass any. , Law .
impairing the Obligation of Contracts.” Because treaties are “ voluntarily entered-into
—
international contracts” and the obligation of contracts is inviolate treaties take
precedence over the Constitution by default, and we aFe hopelessly mired in the
—
entanglements of the political/military /ecological obligations that the DC-based executive
superstructure has decided is good for us, i.e. enforcement of the will of its masters, the
—
owners of the FRN’s. The global political landscape is changing and it doesn't have as
much to do with national boundaries as it does with the most common medium of

53
Denouement: (da - n86 mSn ) The final unraveling or solution of the plot of a play, novel, or short story; issue;
outepme; any final issue or solution,
54
Portend: To give a sign or warning of beforehand .
53
As in the case of “United States,” “United Nations” is a singular proper noun, requiring an apostrophe-s for the
possessive. .v•

56
The primary objective behind instigation of WW II was establishment of United ,Nation$, a centralized, global
police force; a secondary objective was the utter decimation, depredation, and denigration of the German people and
the complete commercial/fiscal subjugation of Germany ( WW Part II, coming only 20 years after WW Part I, was
mandated because WW Part I had failed in establishing League of Nations).
; Page 19 of 26 The Truth About Esquires
58
exchange . 57 Anywhere in the world you find FRN’s changing hands you will also find IRS.
Why? IRS is a private , Puerto Rico- based , intelligence-gathering, accounting, and
collection agency responsible for policing the travels of every single FRN in existence and
penalizing/fining anyone that comes in contact with one of these things.58 If such an
unwitting recipient does not carry a U.S. passport, no problem: virtually every government
on earth is bankrupt to the same bankers, so there is not too much concern about where the
tax is collected. It all ends up in the coffers of the owners of the banking system.

An Indispensable Tool of the Chosen Masters

A major turning point in the history of Western Civilization was the gory, one-sided Battle of
Hastings in 1066 A.D., wherein a tranquil English society was forever transformed by an
invasion of barbarians under the tyrant, William , Duke of Normandy (William the
Conqueror), a pawn of the Chosen Masters . The most significant aspects of the conquest
were those in the field of taw:

• Anglo- Saxons were stripped of rights and privileges they had enjoyed for 300 years;
• An effective dictatorship was established , with William collectivizing the executive ,
legislative, and judicial branches of government under his solitary control; and
• Lastly , but possibly the most detrimental, long- term consequence of all, was the
introduction of Norman French attorneys, who brought with them a new language
that destabilized the fabric of society and made legal mincemeat of the defenseless
Englishmen unlearned in the new French dialect59:

“Law French. The corrupted form of the Norman French language that arose in
England in the centuries after William the Conqueror invaded England in 1066 and
that was used for several centuries as the primary language of the English: legal
system.” Black’s 7th.
Ail the foregoing are classic tactics and stratagems60 of the Legal Masters of the World, a
modus operandi that reappeared in America:

• “The land of the free and the home of the brave” has more people in prison per
capita than any other country (former rights and privileges are now crimes);

57
FYI: There are three particular items that can be traded (bought and sold) only in Federal Reserve Notes: gold, oil,
-
and medium-term notes (medium-term notes are Eurodollar denominated bank ctebentures/obligations issued in
face-value amounts of 10- , 25 - , 50, and 100-Million U .S. Dollars with one-year and 10-year tenors). .. .
58
More evidence that IRS is part of a foreign military occupation of the dejure States of the Unibh (under Secretary
of the Treasury and Commissioner of Internal Revenue , both domiciled in Puerto Rico) is an affidavit signed by
Russell K. Stewart upon his appointment as IRS attorney. This affidavit may be seen in Appendix under “IRS
Appoints Apparent Communist as Attorney,” In his standard “Appointment Affidavit?’ for securing employment as
an IRS attorney, Stewart lined out/deleted the portion Of the affidavit stating that he was neither a subversive, nor a
communist, nor a fascist, and that he was not a member of any organization that advocates the overthrow of “the
constitutional form of Government of the United States ” The lined-out segments comprise approximately fifty
percent (50%) of the affidavit. Stewart appears to be a subvers i ve/communist/fascist* and also appears to advocate
overthrow of the American constitutional form of government, but IRS doesn’t have a problem with that. What is
die purpose of the affidavit if it need not be sworn to? How many other IRS attorneys share Stewart’s philosophy?
.

59
A possible source of inspiration for Shakespeare ’ s famous line: “The first thing we do, let’s kill ill the lawyers .”
The Second Part of King Henry * the Sixth, Act IV , Scene 2.
60
Stratagem: A maneuver designed to deceive or outwit an enemy in war; a deceptive scheme for obtaining an
advantage.
The Truth About Esquires Page 20 of 26
59
.. .j
 •; Courtesy of the Trading With the Enemy Act of October 6, 1917, as amended, and
Emergency War Powers (12 Stat 319; 50 USC §§ 21, 213, 215, Appendix 16; 26
CFR Ch. 1, § 303.1-6(a); and 31 CFR Ch. 5 § 500.701 Penalties) the president
retains supreme dictatorial power over all aspects of American life and government
-
(like William) as commander in-chief of the military (e. g. no Congressional approval
needed for war; all courtrooms in America flying the gold-fringed flag of war are
military tribunals under the president's direct control; complete power over all
commerce, transportation, agriculture, communication, etc . ) ] and
.
•••>
'
; . . . ..4

It is the foreign language of attorneys (Latin) and^ the encrypted codes—the stock in
: ,
•
. ^

* . ’ •
—
trade of esquires that keep them elevated above the “sheep that must be shorn.’'
.• .. . '• f: • • • * • .

-
Founding Father Esquires

A glaring and alarming historical fact is that the Paris Peace Treaty of 1783 between Great
Britain and United States of America was negotiated on America’s behalf by three
prominent King’s esquires—Benjamin Franklin. John Jay, and John Adams, and each fe so-
identified in the Treaty, e.g. “John Jay, Esqr." Curiously, Franklin the principal negotiator,
*
spent most of his time during the war years traveling between England and France, where
George ruled as king simultaneously over both (and Ireland, as well).

Despite apparently having just been defeated in war, it was King George, not Congress,
who convened the Treaty of Peace. He was represented by another officer of the Crown,
David Hartley, Esqr. Since America supposedly won the war, thereby becoming Great
Britain’s international equal, it is illogical that we would afterwards seek “rights” granted by
King George at the Treaty of Peace. How could George be in any position for granting
—
America anything in the Trdaty, such as its own land the land that he supposedly had just
officially lost control of and relinquished via military defeat? Why would America’s
“negotiators" enter a contract that would effectively nullify the sovereignty we had just
achieved? The Treaty was signed neither on the soil of the apparent victor (America), nor
the apparent ioser (Great Britain), but in a third jurisdiction, France, also decided upon by
King George. If we won the war , why were we incapable of dictating the terms of a treaty
with a vanquished former foe from a position of strength?

The Jay Treaty of 1796, authored by one of the same negotiating esquires, Jdhn Jay, also
confirms the dubious nature of the outcome of the War. Whereas the king promises hasty
withdrawal of his “armies, garrisons, and fleets’ in the Peace Treaty of 1783, we find that his
1

forces are still in place 13 years later:

“The Paris Peace Treaty
“ . . . Article 7 . \ >
(
'

“There shall be - a . firm and perpetual peace between his Britannic Majesty and the said
states . . . and his Britannic Majesty shall with all convenient speed . . . withdraw all his armies,
garrisons, and fleets from the said United States, and from every post, place , and harbor
within the same . . . ” ( Underline emphasis added)

“The Jay Treaty y

*.

“ ... ARTICLE II ‘ *
* •

“ His Majesty will withdraw all his troops and garrisons from all posts and places within the
boundary lines assigned by the Treaty of Peace to the United States . . . ” (Underline emphasis
added)

Page 21 of 26 The Truth. About Esquires

60
 The Jay Treaty also reveals who holds the upper hand in finance and commerce: requiring
the U.S. Government to repay certain debt owed British merchants by American civilians
(Article VI); prohibiting trade of molasses, sugar, coffee, cocoa, and cotton with any country
in the world Other than Great Britain (Article XII); and outlawing trade of numerous items
easily construed as war contraband with any enemy of Great Britain (Article XVIII).
. . ’
• • ! " * . . • % ..
An independent confirmation of the United States of America’s inferior negotiating status is
contained in an excerpt from a 1795 Supreme Court Case, Penhallow v. Doane’s
Administrators (3 U.S. 54; 1 L. Ed. 507; 3 Dali. 54) :
.
“. .On 14th January, 1779, Congress resolved that they would not conclude a truce or treaty
with Great-Britain, without the consent of France. ...”
The plausibility of a different practical outcome of the Revolutionary War, ' at least
commercially, cannot be denied. That the American negotiators in the Treaty of Peace
legally identify themselves as officers of the Crown holding a British title of nobility alone
should excite a thorough investigation.61

World Domination Through Deceit

The tradition of deceit and treachery has not faded with time—and the importance of the
role of the Norrrran-French-attorney King’s esquires in the ongoing subjugation of mankind
cannot be exaggerated. Corporations, artificial creatures of the state operating under
statutory law, are under the exclusive control of attorneys, who have the final word in all
corporate activity and legal matters. Flesh-and-blood men and women , on the other hand,
speak and act for themselves under the common law However, based on the duplicitous
use of people’s name corrupted into a corporately colored, all-capital-letter format, judges
and attorneys have justified proceeding against trusting, unwary victims as though they
were a corporation , and have convinced virtually all Americans (and the bulk of the rest of
—
mankind) by specious62 behavior, deliberate omission of the truth , and official insistence
—
upon contrived falsehoods63 that they require an attorney, are bound by the same codes
and statutes as corporations, and are therefore no different than an inert, abstract
.
corporation (slave of the state) John Quincy Public, naively believing that “The Honorable
Judas S. Squire” would never mislead him, now dutifully seeks an attorney in virtually all
legal matters , voluntarily cementing his enslavement as a “ward of the court" and a “person
of unsound mind »64 and conceding that he is incapable of speaking and acting for himself.
'

Without such trickery enforced by underling esquire judges and attorneys iri the judicial
system, the Chosen Masters could not prevail.

r 61
This essay will not indulge in further exposition on these issues. Rather, the reader should form his own opinion
based on the facts . Hie source of most of the above revelations and more concerning this seminal period in
American history is “The United States is Still a British Colony,” by James Montgomery .
62
Specious: Seeming desirable , reasonable, or probable , but not really so; pleasing or attract!ve . in appearance, but
deceptive; fair-seeming. !
r.
63
By use of what is called a “legal fiction” any judge can literally arbitrarily pretend a false reality into existence
and then hold you accountable for the imaginary reality without informing you of what he has done- A legal fiction
is defined as “Sornething assumed in law to be fact irrespective of the truth or accuracy of that assumption”
(Merriam-Webster’s Dictionary of l aw , 1996) , and judges employ such wholesale .
64 ^
Customers of attorneys are called clients . “Clients are also called ‘ wards of the court’ in regard to their
relationship with their attorneys” ( Corpus Juris Secundum, 1980, ’Section 4) . “Wards of court: Infants and persons
of unsound mind” (Black ’ s 4th).
The Truth About Esquires Page 22 of 26
6ft
 Masters of Commerce and Law

The covin intent on subjugating all of mankind began as but a tiny cabal65-*actually arv elite
—
hate group®8 within a racist cult determined to swindle all property pw earth from aH non-
group members and rule the world from on high as the Chosen Masters,; They got their
initial foothold in the global commercial arena as shippers on the high seas in the Hanseatic
League,6 cutting their teeth on the Negotiable Instruments LawT “NIL.* That particular form
^
of law (admiralty/maritime, general equity) was brought ashore in this country in 1851 with
the Limited Liability (insurance) Act , and is now codified as the Uniform Commercial Code
(all meaningful commercial paper falls under the headings of “document of title" and
“negotiable instrument," both of which are jealous subjects of the UCC). Incredibly, both the
NIL and the UCC are derived from the same voluminous, archaic, cyjfic, encrypted hate
manifesto— w/tf? its intricate teachings on property rights—authored by the selfsame
progenitors of the antisocial policies that we , as outsiders , must contend with (in its myriad
forms) every day of our fife for our very existence. People have been cc vbrt
^ ^
^

unwitting, de facto “merchants" trading in worthless, fiat “money,” Lev FRN scrip;. and majny
have become obsessed (by necessity) with such hollow , life-diminjshirig d idtives as
"getting out of debt," “making rent,” and “paying the bills ,” to the exclusion of a gracious,
benevolent, aesthetic lifestyle, and everything else in between.
^
Beginning with the French Revolution this little coterie68 of malefactors has been the source
of all revolution, insurrection , and global warfare69 amongst otherwise rational; people and

65 Cabal: [From the Hebrew cabala, qabbalah: a system of esoteric philosophy developed by rabbis, reaching its
peak in the Middle Ages and based on a mystical method of interpreting the Scriptures.] A nufrfber of persons
secretly united for some private purpose. Funk & Wagnalls New Standard College dictionary, 19 7; '
66
— — ^
It has been said andrightfiltly so that virtually all crimes may be classified asliate crimes because? most must,
-
by definition, involve the element of hate. Hate crime legislation has been trumpeted in undef he banner of
^
numerous fronts/guises/causes, but the very origin of the concept and theultimate objective in its proliferation is for
providing legalized protection for the preeminent perpetrators of hate crimes in the worl(l. The primary difference
from this and jesser hate groups is that this one has access to unlimited finance and cmi wreak chaos on a much
—
grander scale far too immense in scope (world war) for most folks to conceive of as “orchestrated hate crimes.”
Apparently, the culprits conceive that they need protection from any who might retaliate after discovering die
-
vicious, inhuman, genocidal tactics that they systematically wreak against ail hon ciilt members. Besides dictating
- -
over esquire politicians that vote in such legislation, as reported in the Los Angeles Times, a non politico figure
within this hate group even helped write the first hate crimes statute. Members of this elite hffte group think nothing
of sacrificing significant numbers of their own kind {lesser, uninitiated members, not p rt of the inner circle of die
^
cult, with no awareness of the workings at the top) for the purpose of “poving” that the cult has been victimized,
-
and then blaming other, non cult actors for the deed. As reported in the LA Tildes, cult members have even teen
-
caught red handed by police in the commission of a “hate crime” (vandalism) against their own cult and have
—
openly confessed to the crime. Once wholesale numbers of people begin figuring out what is going on and organize,
-
the Chosen Masters will need every form of societal insulation, legal indemnification, and hate crime legislation
—
available just to stay alive so they apparently believer The speed with which information can be broadly
disseminated over the Internet is a terrifying aspect of modem life for this, the supreme hate group of all hate groups
in history.
67
Hanseatic League: [OHG. Aaraamilitary troop, band, company. MHG hanse fellowship, association, merchant’s
guild ) A medieval confederacy of German cities and German merchant settlements in pjter countries that was
organized for the : protection of . their commercial interests. The origins of the association, which is also called the
Hanse or Hansa, are to be found in the West German cities to organize and control trade in the Baltic in the 12th
century. A code of maritime laws known as the laws of the Hanse towns, or the ordinances of the Hanseatic towns,
was first published in German, at Lubec, in 1597. In an assembly of deputiesfrom the several towns held at Lubec,
these laws were afterwards (May 23, 1614) revised and enlarged . The Encyclopedia Americana, IntH Edition .
683
Coterie: [Med. L. cotarius < cota a cottage] An intimate, often exclusive, group of persons with a common
interest.
Page 23 of 26 The Truth About Esquires
62
nations , and whose express purpose is open rebellion against all existing social order and ,
amidst the ensuing turbulence , introducing a new order, customized for serving the needs of
the instigators of the chaos. The advent of imitation money , called “credit,” along with the
-
almost infinite number of permutations of such “ pretend money” that have emerged
therefrom , as well as a host of mutant institutions that have appeared solely for trafficking in
such "currency ," e.g. the ( rigged ) stock 70 and bond markets, insurance companies, etc. , is
the high-water mark of the legacy of the Money Power.71 Naively unwitting suckers are led
along and drawn into such confidence games by the pitchman’s lure of getting something
for nothing , i. e. acquiring wealth Without exchanging labor ,72 a philosophical concept
glorified by the same arch-charlatan racketeers who contrived these and other financial
schemes , as well as the judicial and taxation industries. Over time , the end result of such
perfidy is the same story: loss of wealth and freedom by the numerous individual players,
and ever-increasing acquisition of wealth and political power by the money mongers that
created , own , and operate the game. ’

—
This tiny tribe of gold -worshipers successfully corrupted , embezzled the gold of , and fiscally
conquered every great civilization in history Babylon , Byzantium , Egypt, Rome , the
British 73 Empire (the Crown is a straw man for the Chosen Masters) , and now America in
the exact same way: from within , i. e. without military force . Because it is basically
inconceivable for average folks that any “civilized ” group of men could be motivated by such
—
absolute , unbridled hatred for all non-cult members , these covert , modern -day , white-collar
barbarians, as a whole , have gone unchecked over the millennia , save the periodic,
provincial expulsion for an unspeakably abominable , ungodly sociopathic74 practice (which
will not be discussed here), still rampant today, but highly, insulated^ and ultra^secret. The
entire existence of this sodetes -criminus75—whose leadens claim a divine right to own
—
everything in existence is dedicated in furthering the ultimate cause of complete political
and commercial enslavement of all outsiders, and liquidation of any who do not willingly hop
on the treadmill. Examine the blueprint and career of any communist country, and you will
see what the Chosen Masters have planned for America and the world , as communism76 is
the quintessential embodiment and manifestation of their psychosis.
69 tr
You have not begun to appreciate the depth of our guilt. We are intruders. We are subverters. We have taken
your natural world, your ideals, your destiny, and played havoc with them . We have been at the bottom of not
merely the latest great war, but of every other major revolution in your history. We have brought discord and
confusion and frustration into your personal and public life: We are still doing it. No one can tell how long we shall
go on doing it. Who knows what great and glorious destiny might have been yours if we had left you aldne."
Marceiis Eli Ravage, Century Magazine, February 1926.
70
Your authors have a close friend of many years who has personally sat in at the highest levels of the banking
world, where real-time display of all stock Quotations in all exchanges worldwide can be viewed in a single room,
and where insiders may freely simultaneously buy /sell identical securities in different markets - and realize the
difference in prices; generally an illegal practice , known as “arbitrage ”
71
Despite the dominance of such institutions throughout the world, all are dwarfed in sophistication by the
- -
electronic-tentacled, pseudo governmental, private niilitary-imit “ Department of the Treasury” (IRS, Securities and
Exchange Commission, Bureau of Alcohol, Tobacco and Firearms, U.S. Secret Service, Bureau of the Public Debt,
Financial Crimes Enforcement Network (FTNCEN), etc.) that enforces global control over die flow ofall FRN's.
72
Note for non-karmic enthusiasts engaged in such occupations: There is no such thing as a free lunch.
73
British: From the Hebrew B ' rith covenant + ~ish man; Britain: B - rith + Hebrew -ain absolute.
• ,
74
Sociopathic: [Latin socius companion + Greek pathy disease of a (specified) type] Of or relating to an antisocial
personality disorder{capable of violent acts without guilt feelings). Ultra Lingua Net Online Dictionary .
Societas criminus. Lat . A partnership in crime between two or more people agreeing to share profits and losses.
76
In Russia, for example, the economy , is now effectively run by regional crime lords, and the culture of the
(Christian) nation has been utterly destroyed; reduced to a shambles , beginning with the “Glorious People ’ s
Revolution” (banker-organized/financed/armed/orchestrated coup of 1917) wherein (as quoted in the Congressional
Record) 28 bishops and archbishops, 6,776 priests, 6, 765 Teachers, 8 , 500 doctors , 54,GOO army officers, 260,000
The Truth About Esquires Page 24 of 26
m
 .
Factually , communist philosophy is now official policy of the U.S. Government:

ownership of all property is in the State; individual so-called ownership is only by

“ . . . The
virtue of government, i . e . law amounting to mere user; and use must be in accordance with
law and subordinate to the necessities of the State ” Senate Document 43, 73rd Congress, 1 St
Session ( see entry by the same name in Glossary ) .
i

A possible origin of the U.S. Senate’s communist stance on the issue of private ownership
of property is Bernard Baruch (1870-1965), Wall Street mogul and American presidential
economic adviser for more than 40 years; .- '
t

’ • . I.. • • •• •

"We are living in a highly organized state of socialism. The state is all ; the individual is of
importance only as he contributes to the welfare of the state. His property is only his as the
state does not need it. He must hold his life and his possessions at the call of the state ."
Bernard M . Baruch (Knickerbocker Press. 1918)

Mr. Baruch’s philosophy, of course, does not apply in the case of the incredible fortunes
—
amassed by him and his fellow- communist, billionaire comrades only re the property of the
“little people . ”

Your Future
By definition the UCC encompasses all codified/statutory law in existence, governing all
intercourse between and amongst all people, businesses , and governments, as well as .the
issue of alt currency/money , the single most important commodity in modern society. The
master merchants that developed the UCG are fixated on en&lavement/extermlnation of all
outsiders by legal/commercial/military , i.e admiralty , means. The sooner you realize the
dead-seriousness of your would-be , self-appointed slave masters/executionecs77 and face
facts of “how the world goes ’round,’” the better chance you will have of avoiding
victimization at their hands and enjoying your life. Once people stop agreeing and stop
“volunteering”78 into commercial subjugation the Holy Masters wilt have some serious
problems on their hands. As they comprise only a minute segment of the population (hence
the need for all the "underdog” hate-crime legislation , which they originated and author and

— —
soldiers, 150,000 police officers, 48 ,000 gendarmes, 355 ,000 intellectuals, 198 ,000 workers, and 915,000 peasants,
as well as Czar Nicholas II and his family, the Romanoff Christians all were put to death/murdered (Red
^
October); Breakdown of demographics in ideal communist society, based on empirical observations of thfr former
Soviet Union: members of the Communist Party: 1% to 2%; workers;for serving members of the Communist Party :
48% to 49%; police and military for controlling workers and protecting communists: 48% to 49%; self made, nqn
Communist Party millionaires: less than 0.1%, Where, in such a social scheme, do you
-
you and your family
-
fitting in? As reported in a November 30, 2001 article in the LA Times, *- 18 Million Children Living ip Poverty,” of
•the 18 million children in Eastern Europe and former Soviet Union countries living in poverty 16 million

— *
90°/cr live in former Soviet countries. NOTE: The popular little book , Animal Farm; an allegory for life under
communism written in 1946 by George Orwell, is also a shockingly accurate depiction of life in America todfcy,
all 10 planks of the Communist Manifesto have been fully implemented. The World Conquers hate Christianity
—
almost

with a virulent passion and have succeeded in polluting, eroding, and corrupting the -societal fabric of all major
Christian nations, on earth, beginning with France in 1789 . . •
>. /•

77
“... we are today nothing else but the world’ s seducers, its destroyers , its incendiaries* its executioners.” Dr. Oscar
-
Lew;Preface, The World Significance of the Russian Revolution, by George Pitt Rivers (1920). •
78
Government depends utterly on the consent of the governed no consent = no contract. “All men are by nature
; *
free and independent, and . have certain inherent and inalienable rights ^ among these are life, liberty, and the pursuit
of happiness. To secure these rights andtheprotection of property, governments are instituted among men , deriving
their just powers from the consent of the governed. ” Constitution of Illinois, Article II, Section 1. .
Page' 25 of 26 The Truth About Enquires
64
&
 institute through their lackeys in DG and elsewhere) their influence can be father easily
offset once large numbers of people catch on. The Crown and the U.S. Government are
.. bankrupt front operations for these miscreants, propped up for no other reason than to bilk
and politically (militarily) subjugate any and a!! who mistakenly “do business” with either.

-
Despite the best-laid plans of your seif appointed overlords, however, the current
predicament Is now rather easily remedied , The name of the game is commerce: contracts
(revealed and unrevealed), accounting, debits, credits, etc . Commercial machinery is
triggered by (unwittingly) “voluntarily" contracting with private, governmental corporations,
long-since bankrupt and now only shams for Federal Reserve creditors Consensual
contracts are enforced both judicially (via the legal system) and privately/non-judicially (via
the prescriptions of the UCC). When you make a self-determined decision “to do business"
with corporate government you wilt invariably suffer the consequences, in America, the
notion of freedom extends no further than “the right to contract with whomever you wish,”
.
and the right to not contract with those you do not Once a trusting “citizen" enters a
contract with bankrupt government, however, he becomes a “fiscal subject” (economic
slave) and all other "freedoms" become distant memories ,79

The only thing impeding your survival is your grasp of the essence of the basic terms used
to describe any commercial relationship and the rules of commerce as embodied in the
Uniform Commercial Code. For the owners of all the currencies of the world, the UCC is
—
the only game in town eclipsing and engulfing all others (see UCC 1-103). Ignore it at
your peril; heed its tenets for your betterment. Fortunately for all, a few sturdy souls have
deciphered the key issues and principal factors for Redemptors and have charted the route
through the UCC and Revised Article 9 and made it out the other side. Something can be
done, and that is arming oneself with the same kind of ammo being used against one: the
silver bullets of the Articles of the Uniform Commercial Code.

- -
The first step is copyrighting your af [ capital letters TRADE NAME under the common law
as described in detail in the Practical Section of this manual. No one in the legal
—
system/government including any esquire of any stature at any level has any right to use
-
your common law copyrighted property for commercial gain without compensating you,80
—
.
and no law exists that will support such piracy Those who foolishly believe they are above
the law and are untouchable by the “little people” will quickly discover the dead-seriousness
of the consequences of dealing with someone who understands the key elements of the
Uniform Commercial Code and how to enforce them.

The objective of this article is to help the student of the law with an understanding of the
actual nature of the legal system so he/she is not tripped up believing the propaganda
issuing therefrom and trusting the juristic61 dissemblers that specialize in crushing dreams
and destroying lives. Learn and use the selfsame weapon of choice of those who would
confiscate the very air you breathe if they could, the Uniform Commercial Code , and afford
82
yourself the best chance of prevailing over pernicious esquires and the organized criminal
syndicate that invented them .
79 u
I didn’t know I was a slave until I found out 1 couldn't do the things I wanted. ” Frederick Douglass
so ‘‘
Property may not be taken by government . * . even for public advantage or welfare, without just compensation .
Louisville Bank v . Radford* 295U.S. 555 , 601 , 602; United States v. Butler. 297 U .S. 1 .
81
Juristic: Of or relating to a jurist (one having a thorough knowledge of law , esp: JUDGE) or the profession of law .
82
Pernicious: (Latin per through + nee -, nex violent death) Having the power of destroying or injuring; tending to
kill or hurt; very injurious; deadly; malicious; wicked.
The Truth About Esquires Page 26 of 26
65
A
 v

.
*

:
 .
::

Section 3

The Curse of Co Suretyship -

Why You are Held Accountable for the National Debt

;
 The Curse of Co-Suretyship1
Why You are Held Accountable for the National Debt2
In 1989 , Austin Gary Cooper was prosecuted by the Department of Justice in U S. District
Court for “failure to file an income tax return," UNITED STATES OF AMERICA vs. AUSTIN
GARY COOPER, Case No. 89-109-CR-HOEVLER (Southern District of Florida) . In this
otherwise ordinary tax case, Cooper elicited a staggering disclosure from the judge: that
there are simultaneously two citizenships, “citizen of the United States" and “American
Citizen." Quoting from the case:
Cooper : ‘7 want a judicial determination. Am I an American Citizen or d citizen of
the United States?”
Judge Hoevler: “ You ’re both ."

The Department of Justice prosecutor, Linda Koslowski , an Assistant United States

Attorney , in her closing argument revealed that “United States citizenship ” is based strictly
on contract. Referencing Austin Gary Cooper, the prosecutor revealed:

Koslowski : “ He
pays Social Security and he uses the Postal Service ; therefore Mr .
COOPER is a U. S. citizen .” '

Koslowski divulged that the payment of Social Security taxes and the use of United States
Postal Service constituted contracts of "co-surety" [Note: not “co-debtor”] that rendered
Cooper and anyone else so “contracting” under federal jurisdiction and a subject of
mandatory federal income taxation. Surety is defined as:

“A person who is primarily liable for the payment of another’ s debt or the performance of
another’s obligation. . .” Black’s 7th .

A cosurety is a surety who shares the cost of suretyship obligations with another/others.
Assistant United States Attorney Koslowski's assertions revealed that any who pay into
Social Security and use the Postal Service are considered mutually legally liable , as co-
sureties , for the debt of United States, i. e. the “National Debt ," and thereby obligated to pay
income tax .

Flesh-and-blood men and women born in one of the 50 several States are American
Citizens , a standing acquired by birth; their artificial alter ego (TRADE NAME) is a citizen of
the United States , a status acquired via contract . Judge Hoevler also acknowledged that
there are other media ( other than doing business with Social Security and the Postal
Service) by which American Citizens regularly contract into becoming a “citizen of the
United States,” but declined commenting further.

Suretyship: “The legal relation that arises when one party assumes liability for a debt , default , or other failing of a
second party. The liability of both parties begins simultaneously . In other words, under a contract of suretyship, a
surety becomes a party to the principal obligation.” Black ’ s Law Dictionary- Seventh Edition, 1999, hereinafter
“Black ’ s 7th . Co-suretyship means suretyship with other sureties re the same principal /obligation .
2
The “National Debt” is the financial obligation of the U.S. Government claimed by the Federal Reserve Bank , and
is based on use of the Fed’s private property, (valueless/unredeemable) Federal Reserve Notes , as currency .

Page l of 23 The Curse of Co-Suretyship

68
 The Act of July 27, 1868

The Cooper judge’s comments are in harmony with legislation passed by the United States
Congress formally acknowledging American Citizenship and providing for expatriation of
American Citizens from other citizenships they may hold:
“ An Act concerning the Rights of American Citizens in foreign States. , , Be it enacted by the
Senate and House of Representatives of the United States of America in Congress assembled,
That any declaration, instruction, order or decision of any Officers of this government which
denies, restricts, impairs, or questions the right of expatriation , is hereby declared inconsistent
with the fundamental principles of this government.” ( Underline emphasis dded)
United States Statutes at Large , Volume 15, Chapter
^
249, p. 223 , Fortieth Congress ( July 27, 1868)

The language used by the Fortieth Congress unequivocally specifies American Citizens “in
foreign States,” rather than “in foreign Countries.” What, then, is the special significance, if
any, of a foreign State over a foreign Country? Consulting the Constitution of the United
States of America, Article I, Section 8, Clause 17 we fihd the geographical limits and realm
of political authority of the United States Government: i •

The Congress shall have the Power To.. .exercise exclusive Legislation in ail Cases
ft

whatsoever, over such District (not exceeding ten MHes square) as may , by Cession of
particular States, and the Acceptance of Congress, become the Seat of the Government of the
United States, and to exercise like Authority over all Places purchased by the Consent of the
Legislature of the State in which the Same shall be , for the Ejection of Forts, Magazines,
Arsenals, dock- Yards, and other needful Buildings . . .” ( Underline emphasis added)
: * .‘ • • r: *

Looking further in the Constitution, Article IV , Section 4 reveals a political distinction

between United States and the several States'.
“The United States shall guarantee to every State in this Union a1 Republican Form of
Government , . .” (Underline emphasis added) • . . . '
'. ’ :
.
•
'
' .. .
' :' l •

Further, 19 Corpus Juris Secundum 541 (1990)-Spells it out even more clearly:
’ ’ * - . . . *
A * • ‘ " . • ’

“The United States government is a foreign corporation , with respect to a state.”

As shown above, it is readily discernible from this simple examination of the Constitution
and Corpus Juris Secundum that the 50 several States are foreign States in respect of
“United States ," which exists only within the "...District not exceeding ten Miles square ...” of
Washington, D.C . This fact is echoed very unambiguously in the Uniform Commercial
Code, hereinafter “UCC": '
' ’
*

“Location of United States. The United States is located in the District of Columbia . ” UCC
.-. X J

9- 3 07(h) .
1

The 50 several States of the Union, therefore, may rightly be considered as “foreign States ’
in the above excerpt from the Act setting forth the stance of the U.S. Government re
expatriation of American Citizens in foreign States.

The Curse of Co*Suretyship Page 2 of 23

69
 “Corporate” citizenship
Two and a half years after the Act of July 27, 1868, the U.S . Government went into business
as a for-profit, municipal corporation on February 21, 187!A It is interesting that the :
quarterly list of expatriates is now officially entered into the Federal Register , “a legal
newspaper published every business day,” according to its literature , by a non-US
Government company : Internal Revenue Service , “IRS /' IRS, a commercial business4
whose two greatest expenses are postage and rent {government agencies do not pay
postage and rent), is an intelligence-gathering, accounting, and collection agency for the
private Federal Reserve, and is domiciled in Puerto Rico under the Secretary of the
Treasury of Puerto Rico , a/k/a/ “Secretary of the Treasury”—who is also Governor of the
World Bank and Governor of the International Monetary Fund (both of which are
headquartered in Washington, D.C. j. The Secretary is also in charge of all the private bank
paper*—i.e. Federal Reserve Notes, “FRNs,”—of his Federal Reserve employers, and
employs the full might of “Department of the Treasury," another non-US Government private
business , in monitoring every institution/corporation/business/individual that deals in FRNs.

There is abundant evidence that U.S. citizenship is actually corporate citizenship. As well
as being under the ultimate control of a private business (IRS) as described above, the
official list of parties who have renounced U.S. citizenship also includes a corporation: RBC5
Reinsurance of Canada. RBC Reinsurance renounced its U.S. citizenship in the second
quarter of 2000.6 Since this artificial-person corporation is listed as an expatriate , it can be
reasonably assumed that RBC Reinsurance at one time immigrated and became a “citizen
of the United States.” Based on this and other revelatory facts, it may be safety surmised
that the only type of entity that can ever become a “citizen of the United States" is an
artificial person. Checking the spelling of the name on your passport, driver's license , sales
permits , credit cards, certificates of title , etc . you will discover that the name imprinted
thereon is written in all-capital letters , the standard method for designating the name of
corporations and corporately colored entities, which practice also falls completely outside
the accepted rules of English grammar for the spelling of proper names of men and women.
An all-caps name designates an artificial person, i. e . corporation/corporately colored entity.

Further, the prosecutor in Cooper confirmed in open court that U.S. citizenship is based on
contract rather than the situs7 of one’s birth (one of the 50 several States, for example). The
judge in the Cooper case also admitted of two different types of citizenship, simultaneously:
American and U. S. It can therefore be reasonably concluded that U.S. citizenship is indeed
some kind of corporate/corporately colored “citizenship,” and that American Citizenship is
held by men and women (and boys and girls) born in one of the 50 several States.
3
The Legislative Act of February 21, 1871, Congressional Record, Forty-first Congress , Session III,: Chapter 62, p.
419 , chartered a Federal company entitled “United States ,” i.e. “United States [ 1871 ],” a/k/a “US Inc . ,” a
“Commercial Agency” originally designated as “Washington, D.C. ,” in accordance with the so-called 14*
Amendment, which the record indicates was never ratified [ see Utah Supreme Court Cases, Dyett v Turner. (1968)
439 P2d 266, 267: State v Phillips- 119751540 P 2d 936; as well as Coleman v . Miller. 307 U .S . 448, 59 S. CL 972;
28 Tulane Law Review, 22; 11 South Carolina Law Quarterly 484; Congressional Record, June 13, 1967, pp.
15641 - 15646],
4
IRS was officially disclaimed as an agency of the United States Government by United States Attorney BETTY H .
RICHARDSON (November 18, 1993). For a certified copy of the document see “tJS Attorney Disclaims IRS as
Agency of US Government” in Appendix . See also Internal Revenue Service in Glossary .
5
RBC = Royal Bank of Canada
6
For complete expatriation lists, see www.ffissell .com/taxpat/taxpats .html .
7
Situs: site; situation; place .

Page 3 of 23 The Curse of Co-Suretyship

70
 The Nature of Social Security

A primary method by which United States “contracts” with its “customers" is through Social
Security and the payment of payroll taxes. Briefly , taxes are levied upon the debt of United
States (Congress) in favor of the private Federal Reserve Bank , 8 President Franklin Delano
Roosevelt and the United States Congress, after declaring bankruptcy, contracted with
international-banker owners of the Fed (who caused the bankruptcy by swindling America’s
gold) for “loans of credit’ (“money ,” created out of thin-air) presented as the "New Deal."

Another cash cow ( other than personal income tax) was needed to saddle the American
-
people with joint responsibility (co suretyship obligations) for the trillions of dollars in interest
charges that would be generated courtesy of the presidential/congressional treachery. The
Social Security System, with Social Security payroll taxes, was devised for this purpose.
The Social Security contract is essentially an unconscionable bargain9 because it binds
every Account holder for the stratospheric debt of the U.S. Government .

In the landmark 1937 case,Heiverinq v. Davis (301 U.S. 619, 81 L.Ed. 1307, 57 S.Ct. 904),
the U.S. Supreme Court ruled that Social Security is a form of welfare:

“The scheme of old age benefits created by Title II of the Social Security. Act of August 14,
1935, providing for the payment of such benefits, and authorizing future appropriations, to an
account to be set up by the Treasury for such purpose, sufficient to provide for the
contemplated benefits, is within the power of Congress to spend money in aid of the general
welfare...” Underline emphasis added )

Because of this fact, application for, and use of, a Social Security Account Number is,a tacit
confession that one is so incompetent in managing his/her own,affairs that he/she must
appoint the U.S. Government as his/her “guardian" and seek eligibility for welfare payments .
Such status is also known by other names, e g. “child of the state,” and “ward of the
..
court. 10 Those who are incapable of caring for themselves (Social Security Account
holders and their surety) are subjects of the doctrine of parens patriae, defined as follows:

“[Latin ‘parent of his or her country ’] The state regarded as a sovereign; the state in its
capacity as provider of protection to those unable to care for themselves.” Black’ s 7th.
(Underline emphasis added)

Legally , acceptance of a benefit (e.g. welfare, the protection of the state) is the equivalent of
acquisition of a legal right in exchange for a promise , albeit a tacit promise, but a promise
nevertheless, without which, any such “benefit” would not have been possible:
“‘Consideration’ of a contract is a benefit to the party promising, or a loss or detriment to the
party to whom the promise is made; and ‘benefit,’ as an element thereof, means that the
promisor has, in return for his promise, acquired some legal right to which he would not
otherwise have been entitled.” Woolum v. Sizemore, 267 Ky. 384; 102 S.W. 2d 323, 324.

a Virtually
every government on earth is bankrupt to this same group of bankers.
^Unconscionable bargain: A contract which nd man in his senses , not under delusion, would make, bn the one hand,
and which no fair and honest man would accept, on the other. Black ’ s Law Dictionary , First Edition (1891).
10
Wards of court : Infants and persons of unsound mind . Black ’ s Law Dictionary , Fourth Edition, 1951 .

The Curse of Co-Suretyship Page 4 of 23

71
 Translation: the fact of having acquired a legal right (welfare, protection of the state) is
evidence that you must have made some kind of promise/pledge (responsibility for payment
of the debt of the U . S. Government) in the beginning that facilitated this outcome and the
enjoyment of ouch benefit, as well as mere eligibility for such bariefit (retirement benefits;
—
“right to contributions” from other payroll taxpayers discussed below), (Legal proof that
"There is no such thing as a free lunch.”)
' '
'

.
This concept is spelled out particularly clearly in the 1960 U S, Supreme Court case,
Flemming u. Nestor (363 U.S .
603, 4 L.Ed.2d 1435, 80 S.Ct. 1367 (I960)):
“The ‘ right’ to Social Security benefits is in a sense ‘earned ’ for the entire scheme rests on
*
the legislative judgments that those who in their productive years were functioniag members
of the economy may justly call upon that economy, in their later. years, for protection from
the rigors of the poorhouse as well from the haunting fear that such a lot awaits them when
journey’s end is near .” (Underline and bold emphasis added)
• * * " m .• : • . . % 1
!*

The reason the words right and earned appear in quotes within the above passage is
because there is no guaranteed right in Social Security benefits, and nothing is actually
earned, i.e. no vested interest. Also from Flemming v . Nestor:
“To engraft upon the social security system a concept of accrued property rights would
deprive it of the flexibility and boldness in adjustment to ever-changing conditibn which it
demands.” (Underline emphasis added) v.
^
Notice also in the Flemming cite that former " functioning members of the economy can only
-
“ call upon that economy (other , then-active, Social-Security payroll taxpayers at the time of
retirement) for protection from the rigors of the poorhouse; i e. retirees can only hope that
—
the “economy” will support them because Social Security does not have to, and may
decide against it. As documented below, the so-caHed "economy” cannot provide Social

then will receive only partial benefits .

—
Security benefits for anyone born after 1970 and the vast majority of others born before

Nobody has any “accrued property rights” ( i.e. no vested interest, no guaranteed retirement
benefits) by virtue of paying Social Security payroll taxes, as attested in Parley & Hamilton.
v . Snook, 281 U.S. 66; Knights v . Jackson, 260 U.S . 12, 15; and Nashville, C, & St. L. Rv. v.
Wallace . 288 U.S. 249: .= •

“The Constitutional power to levy taxes does not depend upon the enjoymenriby the taxpayer
of any special benefit from the use of the proceeds raised by taxation .» 1

Payment of Social Security benefits from the Social Security System is strictly discretionary,
not obligatory . Thus, by law and by contract, when a Social Security payroll taxpayer
retires, FICA and the Social Security System is not required to compensate the
retiree/Social Security payroll taxpayer; another . reason why Social Security is an
unconscionable bargain.

F.I.C.A . — “Federal insurance Contributions Act”

.
On every pay stub of a payroll check you will find the term "F.I C.A .": Federal Insurance
Contributions Act . This title is misleading for more than one reason:

Page 5 of 23 -
The Curse of Co Suretyship
72
 The word Insurance in the title does not involve any insurance policy for the party
paying the taxes. As stated above in Flemming v . Nestor , a Social Security payroll
taxpayer has no vested interest in Social Security, If there were a valid insurance
contract in the name of the party paying the premiums, that party would have a
vested interest in the contract , but such is not the case (payments are taxes , not
premiums) . Rather, the "insurance” part of the title means federal insurance , i.e.
insurance for the federal government’s debt in favor erf the Federal Reserve Bank.

• Re the word Contributions in the title of the Act: this word does not mean what most
people think it means; in legal matters this term has only one connotation, as
demonstrated by the following definitions of contribution:
i

“When two or more persons jointly owe a debt, and one is compelled to pay the .
whole of it, the others are bound to indemnify him for the payment of their shares;
this indemnity is called a contribution .” Bouvier ’s Law Dictionary , Sixth Edition,
1856, hereinafter “Bouvier’ s 6th .”

“When one of several debtors pays a debt, the creditor is bound in conscience, if not
by contract, to give to the party paying the debt all his remedies against the other
debtors .” Bouvierts 6th .
“A right to contribution exists in the case of debtors who owe a debt jointly which
has been collected from one of them.” Bouvier ’ s Law Dictionary , Eighth Edition ,
1914, hereinafter “Bouvier’s 8 th . ”

Therefore , in the Act’s title, “Federal insurance Contributions Act,” Contributions is not
referencing the Social Security payroll taxes that are paid in by the taxpayer , but rather the
nebulous “right" of the taxpayer to receive contributions (reimbursement) from other
taxpayers (co- debtors and their surety) upon retirement , after having paid off his/her entire
“fair share” of the U.S, Government’s debt (with a lifetime of labofy Without ever revealing
the fact, what the Social Security scheme provides the retiring Social Security payroll
taxpayer is the ‘Tight” to asSert/expect/hope that other taxpayers , who have not yet ftilly paid
their "fair share” (by worldng and paying over a lifetime), wilt at least reimburse him/her with
the meager stipend11 necessary for minimal survival in exchange for his 40-year attempt at
paying off the National Debt (mathematical impossibility): Chance that the average
taxpayer will ever recover the full amount paid in over the work years: 0%.
• • • ' * . :i
-

The second definition of contributions above reveals the position of the federal
Bouvier’s
government in this most masterful of confidence games:

• ‘When one df the debtors pays a debt . . . " Once a debtor has paid Social Security
payroll taxes for a lifetime, that debtor has paid off ail of the debt that he/she is
physically capable of paying (“fair share”) . , .
• . *
,> * . .. .

• " .. . the creditor is bound by conscience, if hot by contract ; . ” The creditor, the U . S.
—
Government (actually the Federal Reserve the U. S . Government is a straw man for
the Fed creditors) , though having no contractual obligation to give the retiring
taxpayer any form of compensation, is at least “morally" obligated as follows:

11
Stipend: A fixed sum of money paid periodically for defraying expenses .

-
The Curse of Co Suretyship Page 6 of 23
73
. <.
 • “...t o give to the party paying the debt alt his remedies against the other debtors."
..
The U S Government Is* morally obligated 10 assist a retftteif Fco-sn&Jy/Social
Security payroll taxpayer (debtor) in acquiring reimbursement from other CO-
surety/Social Security payroll taxpayers (debtors) currently paying taxes > .
The U.S. Government thereby “fulfills its moral obligation" with retfrees and defrauds all
current Social Security payroll taxpayers by:

(1) Collecting payroll taxes from current taxpayers;

(2) Disbursing payment benefits to retirees out of current collection ; and

^
•

(3) Pocketingdhe difference.

Whereas most people believe that surplus collections go into a “tru J: fund" in their name,
the ugly truth is that Big Brother commandeers the funds for its; own purposes. This is the ^
precise reason that the Social Security System will be legally insolvent around the year
2016: The IRS/U.S. Government/Federal Reserve has zero legal/contraetual obligation
toward Social Security payroll taxpayers—and when current payments exceed current
collections in 2016, the beginning of the end will be real for all.

The above is confirmed in newspaper articles like the one below that appeared in the
August 1, 2001 edition of the Los Angeles Times, entitled “Change ,of Hfcart Sought on
Social Security Plan.” Articles like this keep massaging us with: little,reminders that Social
Security income/outgo lines will cross in the year 2016 and that the so-called “trust fund" will
be “exhausted” in the year 2038: V

-0 ' ..
•
•

’ -
.
• • •
'
<
. *
Social Security faces increased financial strains as the baby boom generation, bom from
-i ».- • ./ j »
-. * .. . ;
. . •. .
“
1946 to 1964, begins to retire in about a decade, 2016, the program, will begin paying out
more in benefits than it collects in taxes, and by 2038 the trust fund will be exhausted.> 9

—
If any so-called “trust fund” existed where Social-Sequrity-payrolftax money was heId.in
—
trust, in the name of the party who paid in the taxes the tqjst fund could never be depleted
.
and the systermcould nev r go bust People spend 30, 40, and, sometimes even SO years
^
of their life paying money into their so-called Social Security Account.. Upon Retirement, .
they begin receiving, on a monthly basis, only a microscopic portion of the totaLajmount paid .
in over their lifetime.12 If these funds were held in trust on their behalf, and accounted for in
their name, how could the funds ever disappear? .< >
f

The reason people can, and will, be denied Social Security benefits Is because payrotl taxes
- are just that, taxes , collected by IRS, a tax -collection agency . No qnejhas yiight to $njoy
•

any special benefit from funds; raised through taxation, as cited above. . Such,unrestricted
perfidy, deceit, and treachery will not go unnoticed much longer, however.
^ 1 •

The “exhaustion point” mentioned in the above article is informing m of the end of the .
“shock absorber” fund, i.e. those funds specially allocated for thje “winding-down period,”
when large numbers of people begin figuring out they have been cdnnejd. $pread over a
- f ;•
! r•

12 u
According to the president, the average return on Social Security is less than 2%, and the program in the long
run, pays retirees less than 30% of what they earned before retiring.” “Bush Again Pushes Stock Investments for
Social Security,” Los Angeles Times, March 1, 2002 . < •
;

Page 7 of 23 l eeutseofCo Suretyship

^ -
74
<
. : /

mm
22-year stretch, however , taxpayer outrage should be fairly well dissipated, enough,
probably, for avoiding mass insurrection against those In charge.
Ponzi Scheme

Most people are familiar with pyramid schemes and chain letters. These are each a breed
of Ponzi scheme , in which people who mistakenly believe themselves “investors" are
actually only suckers making donations for the organizers of the con.
“Ponzi scheme : (pon-zee ). A fraudulent investment scheme in which money contributed by
later investors generates artificially high dividends for the original investors, whose example
attracts even larger investments. • Money from the new investors is used directly to repay or
pay interest to old investors, usu. without any operation or revenue-producing activity other
than the continual raising of new funds. This scheme takes from Charles Ponzi, who in the
late 1920’s was convicted for fraudulent schemes he conducted in Boston .” Black’s 7th .
This definition is echoed in a December 15, 2001 article in the Los Angeles Times, entitled
“Investments Called Longtime Scheme," wherein an alleged Ponzi scheme is dissected.
One line from the article reads as follows:

“Most of the payments were actually money taken in from other investors —a classic Ponzi
scheme .”
th
Per the definition from Black's 7 , and as confirmed in the article in the LA Times, the Social
Security payroll taxation/ ”benefif program meets all qualifications of a Ponzi scheme:

• Retirees and other Social Security-benefit recipients (original investors ) get a full
payout of Social Security benefits as expected (receive artificially high dividends
compared with those who will get little/nothing);

• People who are paying Social Security payroll taxes now ( later investors ) face no
hope of receiving Social Security benefits (a full payout) because, as of 2016, 100%
of Social Security payroll taxes collected will be absorbed by retirees ( old investors ),
and even retirees will be shorted because of the deficits: and

• There is no other legitimate revenue-producing activity for ensuring that current

taxpayers ( new investors ) will get anything.
•
- ‘ >: .
In a Ponzi scheme, usually the only ongoing activity is the raising of more funds from new
victims. Except for the pittance that has been earmarked for the winding-down period from
2016 through 2038, the only thing going on with Social Security is the continuous extortion
of payroll taxes from those who are presently working, i. e. “new investors."

Your DC Politicians Explain it All for You

From the July 20, 2001 edition of the LA Times, an article entitled “The System is Broken,’
Social Security Panel Declares":
“‘The system is broken,’ declared the commission’s co-chairmen , former Democratic Senator
Daniel Patrick Moynihan of New York and Richard D. Parsons, chief operating officer of
AOL Time Warner, in the report’s preface. . . .” ( Underline emphasis added)

The Curse of Co-Suretyship Page 8 of 23

75
 But is this really true? Six weeks later an esteemed colleague of Moywhan, Pe& V.
Domenici of New Mexico, apparently disagreed in a September 7, 20C)d artictein the iA
Times, “Domenici Bucks GDP’s Policy, Says Tap, Social Security Surplus.” Domenici cites
-
huge surpluses in Social Security, rather than impending doom:
.
—
; , ^ , , *" * * * * * A
f • >
^ • ! • * * • • •* j
*
•• • • m %

“ WASHINGTON Sen. Pete V. Domenici of New Mexico, the top gLepu lican oft the
Senate Budget Committee, broke ranks with his party Thursday over the politically sensitive
issue of the Social * Security surplus, saying that he saw ‘no reason in the World’ why those
^
funds should not be used for education or defense spending next year.”
*
. • . %
<
u
Virtually all of the surplus in 2002 will derive from Social Security payroll taxes paid by
«

individuals. With huge surpluses of the last several years, thsse fuftds have been used
mainly to reduce national debt...” (Underline and bold emphasis added)
<•
r

Riddle me this, Batman:

. . . .. .
—
• • • • ’ J# *, ,• ’ ’ t " / • • • , '
•
t

^ %

If there have been “ huge surpluses” in recent years and a surplus every single year
since the inception of Social Security in 1935 how could any so-called “trust fund”
ever be “exhausted,” and how could the system now be “broken"?
—
If the system is “broken” today, then it was broken the day it was drawn up becaW© nothing
—
has changed and the potential for disaster, such as the one now looming onihe horizon i

was a fait accompli frorp the gate. Social Security has done nothing but rake in t£xes from
a vast majority of American workers and employers over the last 6? years and pay out
benefits for a much tinier number of retirees and disabled Americans. What Vhappening
with the trillions of Sociai-Security-payroll-tax dollars collected in excess of the benefits
•2

being paid out? . s

!'
V
- V ••

The mystery is resolved in the legal definition of the word “surplus;" which strategically
appears within the Domenici article. Surplus is defined as:
it
The excess of receipts over disbursements.” Black’s 7th .
. Y . . r r •. . . - 1
- * •
*- ,J
•
; v
v

“That which is left from a fund which has been appropriated for a particular purpose; the
remainder of a thing; the overplus, the residue.” Bouvier’s 6th. -
* •• • • .. "
-
c • • .. . .. .. -
• T

The only reason Social Security can be called “broken” and “in trouble” novV br the first
time in its history) is because surplus funds are skimmed —and have been skimmed every ^
year for the last 67 years a buiit-in aspect of the program. AS is rtofefi in th© Domfenici —
article, excess funds go elsewhere e.g. for reducing the national debt an& do not aficrue
for the benefit of those paying the taxes.
— —
•
. “‘ S ’ ‘ •• •
- .
!
•< . "

The entire racket is confessed by the Supreme Court jn one sentence, if by omission, in
* -. -
Flemming v. Nestor:

“The social security system i‘s a form of social insurance; enacted pursuant to Congress’
power to spend money in aid of the general welfare, whereby tesafflfriyed .
and those who employ them are taxed to permit thy payment of benefits to the retired .
1
1
and disabled, and thdir dependents.” (Underline and bold erflpfiasis added) ‘
V
13
Fait accompli: (French , accomplished fact) A thing accomplished and presumably irreversible .
f

The < u iofXro*SiM ty9hip

:
76
iL
Page 9 of 23
^^ ^
:
• •
• .. A :
••r .
.• :
Comparing the foregoing Supreme Court explanation of Social Security in Flemming and
the following Securities and Exchange Commission allegation of a Ponzi scheme , taken
from an August 29 , 1999 article In the Los Angeles Times entitled "Two Oregon Firms
Named in Pay-Phone Ponzi Scheme ,” it is difficult to make any meaningful distinction
between the two:

-
“The two Grants Pass Ore. hased companies defrauded as many as 7,000 people concentrated
in California, Texas and Florida by paying early investors [“retired and disabled' ] from
deposits of new investors [“ persons gainfully employed, and those who employ them" ]
rather than from investment returns [ rather than from returns derived from trust fund -
investments ] , the SEC alleged.” ( Underline and bold emphasis added)
: ; *
** * **
v. • • . . ~

-
The above Supreme Court quote from the Flemming case tells us that tax dollars collected
in excess of what is needed for payment of benefits in any accounting period (surplus) are
not part of the equation , and that there is no provision of benefit for those actually paying
.
the taxes People paying FICA payroll faxes are supporting those on Social Security
we/Zare; however, nothing accrues for the benefit of those paying the taxes. Surpluses are
swept away. • '
• • . • •

Any first-year accounting student can teli you that once the retiree benefit dollars to be paid -
out outnumber worker-payroll-tax dollars that are collected , the system will not be capable
of meeting its financial obligations , a condition known as insolvency ( bankruptcy). This fact
was known the day the program was instigated in 1935 and , based orr the overwhelming
pecuniary14 significance of such aspect (tens of trillions of dollars funneled out of Social
Security), it cannot be regarded in any light other than intentional .

The Sacred “Trust Fund”

The first paragraph of Title 42 United States Code Section 401 , describing the "Federal Old-
Age and Survivors Insurance Trust Fund ," begins as follows:

“(a) There is hereby created on the books of the Treasury of the United States a trust fund to
-
be known as the ‘Federal Old Age and Survivors Insurance Trust Fund. The Federal Old - 1

Age and Survivors Insurance Trust Fund shall consist of the securities held by the Secretary
of the Treasury lor the Old-Age Reserve Account and the amount Standing to the credit of the
Old-Age Reserve Account on the books of the Treasury' . . (Underline emphasis added) •
-
-
The problem with the so called “trust fund ” is two-fold: (1) it is funded solely by faxes; and
(2) placement of appropriated tax dollars into the fund is strictly discretionary/optional. The
first paragraph continues:

-
“There is hereby appropriated to the Federal Old Age and Survivorsdnsurance Trust Fund for
the fiscal year ending June 30, 1941, and for each fiscal year thereafter, out of any moneys
in the Treasury not otherwise appropriated , amounts equivalent to1100 per centum of
“(1) the taxes . , . received under subchapter A of chapter 9 of the Internal Revenue Code of
—
1939 which are deposited into the Treasury by collectors of internal revenue before January
1, 1951 . ..; and

14
Pecuniary : Of or relating to money .

The Curse of Co-Suretyship Page 10 of 23

77
 “(2) the taxes...received uncter subchapter A of chapter 9 of such Code^whichwe deposited
into the Treasury by collectors of internal revenue after December 31, 195% and before
January 1, 1953 and y •• ’ •\

“(3) the taxes imposed by subchapter A of chapter 9 of such Code with tespeci.to wages, and
by chapter 21 . . . ; and v
“(4) the taxes imposed by subchapter E of chapter 1 of the Internal Revenue Code of 1939,
with respect to self-employment income, and by chapter 2 of the Internal' Revenue Code of
1954.. .” (Bold and underline emphasis added) - 1

: "?
The only Treasury moneys that go into the so-called “trust fund" are those that have not
been “otherwise appropriated”— /. © whatever is left after Big Brother siphons off the
,

surpluses. After the Act quietly divulges that all surpluses can be "othewisea{Spropriat©d,"
follows 14 pages of mind-numbing, legal eyewash. u

Because of the cleverness with which words are defined arid used by esquire15-politicians
and a runnirig-dog press, people mistakenly draw the inference wft«ari is nmter officially
stated as such—that every year's surplus is somehow fed into an account in their name in
—
the "Federal Old-Age and Survivors Insurance Trust Fund."
i / '
i

The term trust fund is defined as: •- x :

’
>; f
•
•

‘The property held in a trust by a trustee.’’ Black’s 7^.

• .i ‘
FT.

Obviously we are missing something here, because no one h s evgf sj$p|ied. up Jtq the
plate and verified the whereabouts of ait the missing trillions and trillions of dollars of^
surpluses collected since 1935. Surplus dollars paid in by Social Security payroll taxpayers,
like all other tax dollars, are fungible,16 i.e. not earmarked in any way, and end up wherever
the Federai Reserve masters dictate . This is why Domenfcioanbrazenly suggest allocating
this year’s surplus for "education or defense spending.” The subject Df alloeetion of the
surplus funds that are automatically skimmed from Social Security has never been an issue
until recently—because Baby Boomers are approaching retirement arid the specter of a
bankrupt Social Security System in 2016 can no longer be ignored. - r. !
\

•
:
.• . - . ..• . r • .. . • . • • •

The notion of the “Federal Old-Age and Survivors Insurance Trust Fund" holding the
surpluses of the last 67 years in trust for the parties that paid in the . taxes tea hoax.
However, for the sake of avoiding wholesale taxpayer convulsions , we are being let down
easy . That is why a “winding-down fund” has been allocated to cover benefits for the 22*
year stretch between 2016 and 2038—and why the blame is being spread over multiple
presidential administrations and Congresses. 5? •. .

*
insolvent Institutions and Trust-Fund Doctrine

It is interesting that the only legal definition of the term trust-fmd dpc%rt© 4©aleatrictly with
bankrupt enterprises {U S. Government17) and their creditors (Federal Reserve):
. i *

15
Esquire: Attorney .
16
Fungible: Regarded as commercially interchangeable with other property of the same kind. Black 's 7*.
17
WMt . Speaker . We are now here in Chapter It . Members of Congress are official trustees presiding over the
greatest reorganization of any bankrupt entity in world history, the U S. Government.. Representative James A.
Traficant Jr., Congressional Record, March 17, 1993 , Vol . 33 . See Chapter 11 Reorganization in Qtossary ,

Page 11 of 23 The Curse of Co-Suretyship

78
i
i
 “The principle that the assets of an insolvent company . . . are held as a trust fund to which the
company’s creditors may look for payment of their claims.” Black’s 7th.

Complementing the legal concept of trust-fund doctrine is Senate Document 43, 73rd
Congress, 1st Session ( March 9 - June 16 , 1933) issued at the time the U.S. Government
declared bankruptcy (June 5, 1933) , which proclaimed , in part:
“The ownership of all property is in the State ; individual so-called ownership is only by
virtue of government, i.e . law amounting to mere user; and use must be in accordance with
law and subordinate to the necessities of the State .”

Since the U.S. Government is officially insoivent/ bankrupt , and expropriated/nationalized all
property in America in 1933, the notion of trust-fund doctrine is directly applicable. Any so -
called “ trust fund ” would apply in the case of the U .S. Government and its creditors, the
Federal Reserve. Such a "trust fund" could be supplemented by Social Security payroll
taxes bilked from “ new investors," but would not be held in trust in their name.
Social Security payroll taxes are taxes, and inure18 for the benefit of the U.S. . Government ,

—
not the parties paying the taxes. Taxpayers are being coddled , nurtured , and “ let down
gently” because there are 280 million of them and most are armed: hence the need for all
the psychiatric manufacture of mass murderers (without exception , each was on psychiatric
drugs at the time of the murders) to generate the societal climate necessary to justify the
passage of gun -control legislation . There are only 535 elected officials in Washington , DC,
and only about three million total sheriffs , police , marshals , military, and federal agents
—
nationwide so the cause for anxiety over the populace owning guns is easily grasped .

—
Newspaper articles also quietly and legally-- notice us that Social Sequrity benefits do not
come from the so-called “trust fund ” (the same illusory trust fund that people have
supposedly been paying into for their entire working life); current Social Security benefits
come from current collections , and it is spelled out all too clearly in this excerpt from a June
15, 2001 LA Times article entitled , “Social Security: Get Tough . f

“Social Security is a pay as you go program : Today ’s payroll taxes fund benefits for today’s
retirees.”

I. e. retirees are cannibalizing the taxes that current wage earners mistakenly believe are
going into the “trust fund ” in said current wage earners' name. Each surplus is " otherwise
appropriated" before it can make it into the “trust fund ." As long as more dollars are
collected in Social Security payroll taxes than are paid out in Social Security benefits
-
everything is hunky dory. The moment that retirees require one more dollar in benefits than
dollars collected from current wage earners in payroll taxes (2016) , the operation Is
insolvent and the so-called “surplus” ruse is blown and can never be used again .

The “trust fund ” is the dangling carrot that attracts “ new investors” into the Ponzi scheme:
since wage earners pay in taxes an average 40 years over their lifetime, it is mathematically
impossible that anyone’s “trust fund ” account could ever be exhausted beford reaching
retirement age if the funds are allowed to accumulate in his/her name . But that is exactly
the case for every single taxpayer born after 1970, as shown below .

18
Inure: To become of advantage; to pass into use; to be applied .

The Curse of Co-Suretyship Page 12 of 23

m
 The Reality of Social Security Benefits v

* J. *
. • ; • ' *
/
• • .
! § •/ .> —
In 1935 the average age of death in America was 65 . Based on this statistic, the instigators
of the Social Security System, led by an economist by the name of Rc ert,R, Wathan, 8et
the age of eligibility for Social Security benefits at 65: This way, the system could operate
at maximum profitability because, on the average , potential beneficiaries woe&.die at’the
*
i
time the first payment became due, thus ensuring a clean sweep of all taxes paid in over
the lifetime of the mark (intended victim in a confidence game),, with no disbursements.
« ,
1 :> • •
•

Unfortunately for Social Security, people are now living till age 77, an unaccounted-for, 12-
year, Social- Security-benefits payout period. Accordingly, system profits now reflect a
major discrepancy from initial projections, because people who were scheduled ' to be
pushing up daisies are out swings golf clubs and cutting them down* /. © , stilf coUecting
Social- Security benefits. Based on the foregoing statistics , and given tHaBHe^ retirement-
—
eligibBity age - for people born after 1960 is now 67 (but will likely soon be setat 70) , the
demographics of the 2038 “trust fund” death knell read like this: 4
'

People Born: %
Expected Portion of Benefits: , Pi.
i -. Before 1940 Full benefits for remainder of life after age 65
After 1939 but before 1952 t
Full benefits till 2010, then bendfits :
After 1951 but before 1971 Partial behefits till 203$; then nothing / .

After. 1970
, ; . w
No behefits
* * .7

Quoting from the Black's 7th definition of Pohzi scheme :

.•
“Money from the new investors [ people born after 1970 ] is used directly to repay . . . old
investors [ people born before 1971 ] , usu. without any operation of revenue -producing
activity other than the continual raising of new funds [ collection of Social Security payroll
taxes ] .” * v

How can Social Security be anything other than a Ponzi scheme?

There has been a surplus in Social Security every year for the last 67 years because more
dollars were collected in taxes than were paid out in benefits during every single accounting
period. Unfortunately , rather than being held in trust in the name of the Social Security
payroll taxpayer , each year’s surplus has been quietly routed elsewhere ’by the Unregistered
foreign agents at IRS. The reason there is so much talk about priVatizIhg’ Sbbidl Security
today and letting people invest a portion of their payroll fakds in the sbdk
—
people can be •“legally” swinged is because of thr absolute certairfty that SocialSecurity
payroll taxpayers born after 1970 have no hope of ahy return of their taxfes upon reaching
retirement age. Once the retime population (Baby Boomers) overwhelms then- active wage
earners in 2016, your public servants in Washington, D.C. will need‘a nieW propaganda
campaign, if not sooner . Talking-head media savants,19 professionals at gushing crocodile ,

tears20 on cue as they inject the lethal message of the Chosen Masters into maihstream
America , should have no trouble in concocting a neyy half-truth. r
*
*
• \ 9
»
V

*
is . i- S .
"

I s

19
Savant: A man of exceptional learning.
20
Crocodile tears: Simulated or pretended weeping; hypocritical grief: from the tale of the ancient travelers that the
,

crocodile weeps over those he devours. . • ; f

Page 13 of 23 The Curse ofCo Suretyship

. -
80
f

V
.
 Co-Suretyship Obligations Incurred Via Acceptance of Free Delivery of Mail

Until 1863 there was virtuafly no delivery of mail in America. Although "city delivery” was
authorized as early as 1794, comparatively tittle of it was done. At the time, all postage was
so high that the additional fee for home delivery made the service undesirable, Mail
matter was received at the destination post office and stocked alphabetically in boxes/slots
{as it is still done today) and handed over when a postal patron called at the General
Delivery window. No disclosure of identity has ever been required for pick-up of mail by
postal patrons at General Delivery, and Postal Regulations still support this custom today:
‘“ 6(c)
address past or present , of any postal patron . . . ’” (Underline emphasis added)
—
Subsection (b)( 1 ) of this section shall not require the disclosure of ( 1 ) the name or

POSTAL REORGANIZATION ACT OF AUGUST 12, 1970, 39 USC

§ 410, Public Law 91 -375 , Sec . 2, 84 Stat . 719

When the seven Southern States walked out of Congress on March 27, 1861 there was no
longer a quorum22 and the existence of the de jure "United States of America” went into
suspension. Exercising his power as commander-in-chief of the military, Lincoln issued the
first Executive Order and the country officially went under martial law. This condition has
never been reversed. To secure control of a sovereign constituency that was not aware of
the disappearance of its de jure government, a device was needed that would secretly
obligate each member in favor of the new de facto (illegitimate) military government without
his knowledge.

During the progress of the Civil War ( the day of the Battle of Appomattox) under the Lincoln
24
stratocracy,23 on July 1, 1863 , the United States Post Office Department proudly
announced "free city delivery service” of mail, and city patrons could, from that time forward,
receive free city delivery25 of mail at home, if they so chose:
“Citizens had the option of accepting this service or rejecting it by giving proper notice to the
postmaster.” ( Underline emphasis added)
Old Post Bags - The Story of The Sending of a Letter in Ancient and
Modem Times, by Alvin F . Harlow, 1928, Introduction by Joseph
Stewart, Executive Assistant to the Postmaster-General , U .S. A.

City postal patrons accepting free delivery , however, were reclassified as "customers," the
first time in history a commercial term was used as an identifier for American Citizens.
Whereas postal patrons were expressly excepted from identity-disclosure requirements
when retrieving mail matter , postal customers were not (and are still not) . Despite the
apparent advantage of the new free service the idea took off very slowly, with long lines of
patrons seen in front of the General Delivery window decades later:

21
-
By law , letter carriers could collect a two cent { lawful money ) fee for each letter delivered because letter carriers
received no salary for this service .
22
Quorum: The number of members of any deliberative or corporate body necessary for the legal transaction of
business.
23
Stratocracy : A military government ; government by military chiefs of an army . Black' s 6 .
24
Congress passes a tremendous amount of controversial legislation during times of war and turmoil , thus avoiding
the scrutiny of voters that attends Congressional actions in less chaotic times.
25
The first experimental routes for rural free delivery of mail , < RFD ” were commenced in West Virginia in 1896,
£

with letter carriers working out of Charlestown , Halltown , and Uvilla.

The Curse of Co -Suretyship Page 14 of 23

81
 “The general delivery clerk has to deal with the family that will never allow its mail to be
delivered by carrier, and with a man who brings his family with him to the post office two or
three times a day and inquires for the mail for each one , of which, of course , there isn’t
any . . . ” (Underline emphasis added )
The Story of Our Post Office - The Greatest Government Department
in all its Phases, by Marshall Cushing, 1893

“Not only in our larger cities before the days of free delivery, but again and again throughout
our history has the long queue appeared , awaiting its letters at a delivery window . . . ”
( Underline emphasis added)
Old Post Bags - The Story of The Sending of a Letter in Ancient and
Modem Times, by Alvin F . Harlow, 1928, Introduction by Joseph
Stewart , Executive Assistant to the Postmaster-General , U . S .A .

Privatization of Free Delivery of Mail

The Postal Reorganization Act of August 12, 1970 (Public Law 91-375; 84 Stat. 720)
abolished the United States Post Office Department and transferred all personnel into the
private United States Postal Service, ‘'USPS," which was reorganized a year later.
Whereas the former Post Office Department was an “executive department of government,"
the Postal Service is a “semi-autonomous operation independent of congress [sic] operating
under executive branch.”26 USPS, the world’s biggest employer,27 is a private corporation
(“New Postal Rates Go into Effect This Sunday ," LA Times, January 17, 1999).

The Postal Service handles roughly 500 million pieces of mail every day, delivering bills
-
from IRS debt collectors and slave of-state corporations , and payments from credit-starved
—
customers alt for “free . ” Without this facility, the wheels of commerce would turn much
— —
slower as much as 95% slower with far less tax generated and collected and far fewer
defaults and foreclosures, thereby defeating the purpose of the credit-based economy
foisted upon us by the Chosen Masters .

USPS, like the Post Office Department before it, bears no obligation for delivery of mail, a
“free” service since 1863 and still openly advertised as such. Operation of the General
Delivery window is a common-law right; delivery of mail (into P.O. Boxes and mail boxes)
constitutes “free delivery ,” and is a USPS function. Postage fees cover the transit of mail
matter only as far as the destination post office , 28 where postal patrons can legally retrieve
mail indefinitely at the General Delivery window (under the common taw):

26 “Postal Reorganization Act of 1971 had as purpose conversion of postal organization into semi-autonomous
operation independent of congress [sic] operating under executive branch . . . . Baker v Hazen ( 1975 ) 133 Vt 433 , 341
A2d 707 .” 39 USC 201 .
27
There are approximately 800 , 000 USPS employees, 240 , 000 of which are members of the National Association of
Letter Carriers (trade union).
Historical note: Cost of postage, set by statute at Title 12 United States Statutes at Large, Chapter 71 , Sections 22
and 23 , has never been repealed and is still in force today : two cents per half- ounce when mailed within the several
States of the Union, and three cents per half- ounce mailed in United States (District of Columbia). The private
policy of a profit-making corporation, i.e. United States Postal Service, can never supersede a U .S. Government
statute . The key is that the current U .S. Government is de facto, not de jure ( see Glossary for these terms), and we
no longer enjoy organic law, but private, copyrighted law /policy of British corporations under the control of the
owners of the Federal Reserve . The reason postage prices continually go up is two- fold: ( 1 ) to keep up with

Page 15 of 23 The Curse of Co-Suretyship

82
 “Applicants...may receive indefinite general delivery service as provided in Domestic Mail
Manual ( DMM) D930 (see also Postal Bulletin 21870, 6/23/94, page 7)... Note: The 30-day
limit in DMM D930.1.4 refers to how long mail is usually held in the General Delivery
section, not to how long a person can receive general delivery service.
Support, 9-29-94” (Underline and bold emphasis added)
Operations —
POSTAL BULLETIN 21877, 9-29-94, PAGE 7
“The use of the general delivery should be discouraged if it is possible to receive mail
otherwise, but if a patron insists on receiving his or her mail through the general delivery the
request must be complied with . .. ( Underline and bold emphasis added)
Postal Laws and Regulations, 1932, Sections 776 797, Delivery of -
—
Mail, Methods Transients -Box Renters—
Intent Behind “Free” Delivery of Mail

-
As proclaimed by Congressman Clyde Kelly, Post Office and Post Roads Committee
Member, in United States Postal Policy (D. Appleton and Company, 1931), discussing the
-
subject of the “great postal highway,” i.e. post roads for the free delivery of mail:

“Every American is the beneficiary of this postal highway and of those leaders who insisted
upon its being built on the service foundation. Its very existence is proof that the true
objective of the Post Office is service, not money-making..

“There never was any other motive than the public welfare behind the establishment of the
rural free delivery service. ... The one test in changes in routes must be: ‘Will the service be
as good or better than formerly.’ The test of self-support should not determine the future of
this facility which brings benefit to every citizen of the United States, whether he lives in
city or country . . ..” (Underline and bold emphasis added)

A more accurate version of the first sentence above: “... those leaders who insisted upon its
being built on the ‘ free’ service foundation.” The cost of the postal highway was a “loss
leader” for Lincoln, a giveaway that secured an infinitely greater bounty: unwitting sureties
for co-debtor, TRADE-NAME “citizens of the United States.” Because sovereign Americans
also benefit from mail that is delivered free-of-charge in the all-caps TRADE NAME of their
29
“citizen of the United States” straw man, the sovereign Americans are doubly hooked in.

Military Aspects of the Postal System

USPS, as a semi-autonomous operation (free of Congressional oversight) with a stated

mission30 (military objective) under the president as commander-in-chief of the current
military regime, is a de facto military unit. Throughout history the postal system has
performed numerous military and quasi-military functions:

inflation (built-in feature of a credit-money ; system ); and (2) to ensure that the salaries of the 240,000 letter carriers
that “deliver the mail for free” meet/exceed the current rate of inflation (also known as the “Cost of Living Index”).
29
The constitution of the United States of America is . ..not merely a league of sovereign States for their common
defence against external and internal violence, but a supreme federal government or compositive State, acting not
only upon the sovereign members of the Union, but directly upon all its citizens in their individual and corporate
capacities. WHEATON Elements International law § 52, p. 78 [L. B . & CO. 1866 ]
30
-
"The Postal Service shall have . . . the obligation [to commander in-chief ] to provide postal services to bind the
Nation together through the . . . correspondence of the people.. ” USPS web site (Underline emphasis added)

The Curse of Co- Suretyship Page 16 of 23

83
 “ During World War I, the Post Office . .. was called upon to perform a bewildering number of
nonpostal functions . . . The postal establishment sold Liberty bonds and war savings
certificates. Post offices registered enemy aliens. They handled, without charge, millions of
tons of government mail, such as draft questionnaires and appeals for food conservation . , ..
The money order system (authorized by the Act of May 17, 1864) was a wartime measure
that achieved permanent acceptance ....”
The Post Office Department , by Gerald Cullinan

Postal clerks, now identified as “Sates Associates” on their nametag, are authorized to
accept and process passport applications (beginning in 1971, immediately after conversion
into the private USPS) for the U.S . Department of State , headed by the U.S. Secretary of
State, who administers the War Powers. Passport is defined as:

“A license.. . issued during the of a war authorizing a person to remove himself or

progress
his effects from the territory of one of the belligerent nations to another country, or to travel
from country to country without arrest or detention on account of the war . ...” Black’s 1st.
( Underline emphasis added)

Selective Service registrants filling out the “Selective Service System Registration Form,”
SSS Form 1 (Oct 91), are directed as follows:

“ . ..Block 8 - When you have completed your form to this point, recheck it and take it to the
postal clerk for verification , then sign and date in the presence of a postal
clerk .” (Underline emphasis added)

In 1931, when Congressman Clyde Kelly introduced United States Postal Policy (referenced
above), the Army and Navy (Marine Corps is a branch of the Navy) comprised the totality of the
armed forces of the country. Despite the enormity of this fact, Kelly, in describing the value
of the “postal highway ,” proclaimed:

“It is the highway of service designed by a democracy with faith for a social institution of
vital importance in a people’s nation .... It is more essential for the protection of the nation
than the Army or the Navy; it is the democratic instrument of a democracy ...” Underline
emphasis added)

By virtue of the “postal highway” all American Citizens (a much greater number than the
total enlistment of the Army and Navy) became accountable/responsible for United States,
Inc. Indeed, once one accepts free delivery of mail intended for his “citizen of the United
States” straw man, he/ she incurs an obligation for military service as co-beneficiary —
—
surety for the “person” whose TRADE NAME appears on the draft notice.

Another obvious discrepancy in Kelly’s Postal Policy is the fact that the de jure United
States of America is not a democracy , but a republic ( guaranteed at Article IV Section 4 of

31
Until the incorporation of the U.S. Government February 21, 1871 America flourished as a de jure constitutional
republic. Despite the fact that a republican form of government is guaranteed by the Constitution , we now have a de
facto “legislative democracy,” the form of government in District of Columbia/United States, Inc. Congress
controls Washington , DC by “ mob rule” (51% rules 49%), i.e. “democracy.” DC is not part of the United States of
America, which, although virtually functionally defunct, still exists and is still a constitutional republic. That “the
State of United States” (DC) is not part of the United States of America can be proven in a number of ways, one of
which is the fact that residents of Washington , DC cannot participate in presidential elections.

Page 17 of 23 -
The Curse of Co Suretyship
84
the Constitution, cited earlier in this treatise). Congressman Kelly is not talking about the
defunct Republic; rather, he is telling us in no uncertain terms that the postal highway —
which is used only for ‘‘free’’ delivery of mail—is an instrument of the de facto (illegitimate)
democracy (military government, stratocracy) instituted by Lincoln.

Sifting Out the Key Issues

• The postal system was not created as a moneymaking operation, but as a service
facility , where operating at a profit was not a prime consideration;
• Cost of postage covers transit of mail no farther than the destination post office,
where postal patrons can retrieve mail matter at the General Delivery window;
• No one can be denied general-delivery service, a traditionally vested, common-law
right established by usage and custom since ancient times;
• — —
Postal patrons but not postal customers can use general delivery indefinitely for
retrieving mail and need not disclose their identity (produce government-issued ID);
• ‘‘General Delivery” has never been the subject of legislation of the de facto
(illegitimate) stratocracy, which came into existence with the first Executive Order
issued by Lincoln in his capacity as commander-in-chief of the military;
• Maxim of law; “No one is obliged to accept a benefit against his consent.” (Dig. 50.
17. 69; Broom, Max. 699);
• Those who accept a benefit consent, and do so voluntarily;
• Maxim of law : “Consent makes the law.” ( Branch, Princ.; 8 Mont. 32);
• Delivery of mail matter is, and has been since July 1 , 1863, a benefit, a mutually
agreed upon (consensual) arrangement, and a voluntarily accepted free service;
• Public welfare was the solitary motive behind the establishment of “free city delivery”
during the Civil War in 1863;

• Public welfare was the solitary motive behind the establishment of “rural free
delivery” of mail in 1896, when 90% of the population lived in the country;
• Acceptance of free delivery of mail matter from USPS (under commander-in-chief of
the military) makes one a beneficiary of public welfare and protection of the state;
• Anyone accepting the benefit of public welfare and the protection of the state
establishes that he/ she is mentally incapable of caring for himself/herself; and
• Those who cannot care for themselves are subjects of the doctrine of parens patriae ,
as discussed earlier in this essay in the section on Social Security.
People are dragged into this contract through the back door, whereby the “promise” is
extracted, as explained in 13 Corpus Juris Secundum 311 (cited in Woolum v . Sizemore):
“Various definitions of ‘consideration’ are to be found in the text- books of judicial opinions.
A sufficient one is: A benefit [ free delivery of mail\ to the party promising [ mail recipient ] ,
or a loss or detriment [ costs, injuries, losses incurred delivering mail] to whom the promise is
made [Government]. ‘ Benefit,’ as thus employed, means that the promisor has, in return for
his promise , acquired some legal right [ welfare , protection of the state ] to which he would

-
The Curse of Co Suretyship Page 18 of 23
85
 not otherwise [without conceding mental incompetence upon acceptance of free delivery]
have been entitled . And ‘detriment’ means that the promisee [Government] has, in return for
the promise , forborne some legal right [ to charge for delivery of mail, as was done from 1794
through June 30, 1863] which he would have otherwise been entitled to exercise .”

Conclusion: As asserted by the Assistant U S. Attorney in the Cooper case, use of the
United States Postal Service constitutes a contract of ‘co-surety" that renders anyone so
"contracting” under federal jurisdiction and a subject of mandatory federal income taxation .

Welcome to the dub!

Co-Suretyship Through Licensing

In America, a person with a name designated in all-capital letters is legally classified as an

"individual.” The legal definition of individual is: "citizen of the United States” (5 USC
552a(a)(2)). A citizen of the United States must be licensed for almost every activity under
—
the sun proven by the appearance of its name exclusively on every type of issue of
license . License is defined as follows:
“ In International Law . Permission granted by a belligerent state to its own subjects, or to the
subjects of the enemy, to carry on a trade interdicted33 by war .” Bouvier’s 8th .

As mentioned earlier in this book, the common law is ancient and immutable and predates
all codified law , its principles having been established by usage and custom since before
recorded history . Based on principles of the common law, no flesh-and-blood man/woman
need obtain the permission of any abstract "contrivance of the mind,” such as a
government, for fulfilling basic needs for survival and keeping his/her body alive. The only
way artificial governments can “govern” and "rule over” a living, breathing man is by
convincing him that he is a subject33 of another/others far wiser than he in deciding what is
best for him (and then administering “legalized” deadly violence against him should he stray
too far from the herd).

Making a man believe that he is a subject can be accomplished in many ways, one of which
is corruption of the name, as discussed in the first essay in this manual. As a sovereign,
your ultimate remedy is in the common law and international law ( i.e. trade/commerce/
exchange with other sovereigns), and , when involved in commerce (intercourse of any
kind), the greatest power resides in your true name. Of course, anyone can forego these
options and pursue remedy in the name of his/her bankrupt "citizen of the United
—
States’Vdebtor TRADE NAME which is always welcomed by government, but eminently
ineffective in achieving one’s objectives. However, as is discernible from the definition of
license above, licensing of “subjects” comes into play when a trade/occupational calling is
interdicted (prohibited , forbidden) by war, as is presently the case in America.

Trading With the Enemy is defined as:

“The federal offense of carrying on commerce with a nation or with a subject or ally of a
nation with which the United States is at war .” Black’s 7th .

’2 Interdict: To prohibit or restrain authoritatively; forbid .

33
Subject: One who owes allegiance to a sovereign and is governed by that sovereign’ s laws . Black ’ s 7th .

Page 19 of 23 The Curse of Co-Suretyship

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The Trading With the Enemy Act of October 6, 1917 (H.R . 4960, Public Law 91) , though
admitting of the possibility that “citizens of the United States” could be considered as the
enemy when involved in monetary transactions "within the United States,” also expressly
excluded them from such categorization in the following passage:
“(c) Such other individuals, or body or class of individuals, as may be natives, citizens, or
subjects of any nation with which the United States is at war, other than citizens of the United
States, wherever resident or wherever doing business . . .” (Underline emphasis added)

However, the Amendatory Act to the Trading With the Enemy Act, also known as the
Emergency Banking Relief Act of March 9, 1933 (48 Stat . 1 ), amended the Trading With the
—
Enemy Act at a time when United States was not in a shooting war with any foreign foe—
omitting the clause excluding “citizens of the United States” as enemies in war, and
including them as such instead, via insertion of the following innocuous little passage:

“.. . by any person within the United States or any place subject to the jurisdiction thereof;. ..”
Chapter 1 , Title 1 , Section 1 (b).

By operation of law , all persons (“citizens of the United States”) involved in monetary
transactions “within the United States” were now official enemies of the U.S. Government
and, as such, required a license for almost every type of commercial activity34 imaginable.
The above definition of license from Bouvier ' s 8th now becomes more understandable:
“InInternational Law . Permission granted by a belligerent state to its own subjects, or to the
subjects of the enemy, to carry on a trade interdicted by war.” (Underline emphasis added)

The fact that sovereign Americans do not qualify as “persons within the United States ,” and
hence are not subjects of the legislation, was not explained for them by the U.S.
Government in 1933 , nor anytime thereafter ( and never will be). Using this legislation as
justification, however , federal and state-government agencies launched a nationwide
campaign to convince all Americans that they needed a license for virtually every activity
they were involved in and managed successfully inculcating35 the stratagem36 into society
over the ensuing decades. 37
34
There is no requirement in any vehicle code requiring a driver license for anyone not engaged in the commercial
activity of “the transportation or persons or property for hire or compensation” (cab drivers, bus drivers, limousine
-
drivers, and truck drivers). The code encrypting esquires that write the vehicle code, however, have very cleverly
-
circumvented this non requirement via the federal definition of “motor vehicle/’ Motor vehicle is a commercial
term and signifies that any automobile, motor home, bus, truck, van, motorcycle, etc , that is registered with any
Motor Vehicle Department is a vehicle used in “the transportation of persons or property for hire or compensation,”
and therefore requires a license for its operation. Even though the “driver” (another commercial term) is not directly
involved in commerce, he/she is operating a “commercial motor vehicle” (“ involved in the transportation of persons
or property for hire or compensation”), thus the “need” for a license. No judge and no attorney and no police officer
-
can identify any section of any vehicle code that requires that a private, for pleasure automobile, used strictly for
- -
non commercial purposes, be registered with the state. Registration of a private-use only automobile is voluntary.
35
Inculcate: To impress upon the mind by frequent and emphatic repetition, instill.
36
Stratagem: A maneuver designed to deceive or outwit an enemy in war.
37
The introduction of the need for licensing, and the enforcement thereof, was instigated over a longish period of
time, thereby avoiding mass resistance from the populace. People in California, for example, were not
- -
propagandized re the need for a driver license for non commercial purposes ( Le. for private, for pleasure use only)
until 1957, 24 years following the Amendatory Act, when the “ driver license” was introduced. The commercial
“chauffeur license” and commercial “operator license” were combined into the new “driver license,” artfully
confusing the public over the need for a driver license in order to “ drive.”

The Curse of Co-Suretyship Page 20 of 23

87
 Licensing = Legal Liability
When a sovereign American “ voluntarily" applies for, accepts , indorses in his name, and
uses as his own, a license issued in the all-capital-letter TRADE NAME of his straw man,
that party is signing for accommodation, because the straw man is incapable of signing , and
-
has cemented his status as surety for the citizen-of the-United-States enemy-debtor-
individual named thereon—because every accommodation party is ever and always a
surety.38 It cannot be any other way:

-
“An accommodation party is always a surety.” UCC 3 419, Note 3, paragraph 2.

The STRAW MAN named on the license has neither the hand nor the body required for
applying a signature. Another party must perform these acts on its behalf, someone
capable of assuming legal liability for the “ person’’ in whose name the license is issued, an
accommodation party . The voluntary act of applying for a license that is issued in the straw
man’s TRADE NAME, by executing one’s own signature in place of the straw man’s is
concrete evidence of voluntary assumption of the status of surety:
—
“One who undertakes to pay money or perform other acts in the event that his principal fails
to do so; the surety is directly and immediately liable for the debt.” Barron’s Law
.
Dictionary Third Edition, 1991 .
As asserted by the Assistant U S. Attorney in the Cooper case, the act of paying Social
Security payroll taxes into the Social Security Account of the individual named on the Social
Security card constitutes a contract of “co-surety” that places anyone so “contracting” in the
federal jurisdiction and a subject of mandatory federal income taxation. Since the entity
listed on every license that you carry is the same as that on the Social Security card in your
possession, there is no reason to believe that the same liabilities do not apply .
“Volunteering" and Co-Suretyship

The Internal Revenue Code (Title 26 United States Code Annotated) states that our system
of taxation is based upon “voluntary compliance.” As everyone knows from the cavalcade
of cases that are enthusiastically reported by the news media, those who do not “voluntarily"
comply and file income tax returns and pay income tax are forced into complying and
paying , with fines, indictments, seizures of property, garnishments , and incarceration.

Q: When did the voluntary part come into the picture?

A: (Though by no means an exhaustive list:)

The moment you voluntarily paid in your first penny of Social Security payroll tax
(which was, of course preceded by your parents “voluntarily” enrolling you in the
Social Security System when you were a minor, and your subsequent failure,
upon attaining the age of majority, to withdraw from the program and
nullify/cancel the contract, thereby tacitly consenting with the terms of the
— —
contract in full albeit unwittingly and making yourself welfare-eligible);
The first time you voluntarily accepted “ free home delivery” of mail matter from
an agent of the commander-in-chief, i.e. de facto military personnel of the United
38
For a conclusive treatment on this subject, see “How to Sign Your Signature Without Liability” in Appendix.

Page 21 of 23 The Curse of Co Suretyship

**

88
 States Postal Service [Note : although you can officially notice the postmaster
that you have been accepting free delivery of mail matter under mistake and no
longer wish free delivery, the headaches that come with such a move are
significant; capture of legal title of the TRADE NAME under the common law and
control of same through the UCC allows both use of the Postal Service and
control of the destiny of the “citizen of the United States” TRADE NAME];
The first time you voluntarily applied for and signed for and paid for and received
a license for a “privileged activity " in the all- capital-letters name of your citizen-of-
the-United-States/individual/United-States-Govemment-employee TRADE NAME
and assumed responsibility for payment and performance of the straw man' s
obligations associated therewith by signing for accommodation; and
The first time you undertook numerous other voluntary acts, such as applying for
and paying for and receiving a passport from “UNITED STATES DEPARTMENT
OF STATE” and registering to vote, in the all- capital-letters “citizen of the United
States” TRADE NAME, and then affixing your own personal signature as
accommodation party, and therefore surety, on each document.

The Situation

The only reason you have suffered at the hands of those who would bleed every ounce of
economic lifeblood from your withered carcass is because you were unaware of the
artificially manufactured justification technique used by such con men for wreaking holy hell
with your life: corruption of your name. It has taken over 2,000 years, but this little band of
—
extortionists has put together quite an operation for itself and it all depends on your
continued ignorance of your name as personal property and the significance of your true
- -
name spelled in an ALL CAPITAL LETTER /abbreviated format.

The reason government, bank, corporate , court, and tax-agency computers spit out bills,
statements, and threatening correspondence with your name corrupted into an ALL-CAPS
format is because the entity named therein is the actual target , the account holder, the
“customer.” They are utterly dependent on your mistakenly believing that the ALL-CAPS
name identifies you , so you will assume the role of accommodation party and surety for the
artificial person they have created. Such is the depth of their deceit: their entire earthly
objective, every waking moment of every single day of their hideous little existence,
predicated on keeping you and your famify and your friends ignorant of the real meaning
behind your name set in CAPITAL LETTERS, and the significance of applying your own
signature when it's ( the straw man’s) is required .

For those afflicted with the curse of co-suretyship, the pathology39 can be grim: loss of
wealth , loss of possessions , loss of shelter, loss of family, loss of self-respect, loss of
health, and even loss of life. It matters not whether one willingly submits and acts in
accordance with the agenda of the Chosen Masters and does as one is told; the foregoing
milestones comprise the schedule of events for one and all. The only difference is the
timing. There is no logic in these plans, and this is the very reason that most people cannot
conceive that anyone else could have such evil intentions. However , if unchecked,
everyone, including the perpetrators, will lose in the end.

39
Pathology: The sum of the morbid conditions, processes, and results in the course of a disease.

-
The Curse of Co Suretyship Page 22 of 23
89
 Probabty the most tragic and regrettable fact of all is that none of the statements contained
in this volume constitute hyperbole . 40 Your authors wish it were not so, but such is the
gravity of the situation we are faced with.

Relief

No matter how black it may be for some, there is abundant hope for those who are capable
of seeing what is in front of them. For such people, the curse of co-suretyship is as
temporary as the common cold and more easily treated, as well.

— —
Capture and control under the common law of the TRADE NAME that others have been
exploiting at your expense requires nothing more than asserting that fact in writing. Taking
the steps of filing the statement in the legal notices section of the newspaper and with the
county clerk/recorder establishes “public notice” and makes it that much better.

Following public notice of your new common-law- copyrighted TRADE NAME, creation of the
legal relationship between the two of you via a Private Agreement and a Security
Agreement, and execution and filing of a UCC Financing Statement to perfect the matter
can be completed in days. These documents legally distinguish you from the TRADE
—
NAME and give you legal control over it in all financial and legal matters including those
involving government actors who carried out the ugly plot (at the behest of the Chosen
Masters) that put us in this mess in the first place.

The degree of control over your economic life depends only on your understanding of the
power that resides in legal ownership of your true name and TRADE NAME, and your
effectiveness in communicating it. Mere notification of the relationship between you and the
TRADE NAME is sometimes sufficient to stop a would-be predator. For others that require
more persuasion, the material in the Presentment Handling section will take care of the vast
majority. For the minute percentage that insists on kicking and screaming every step of the
way until closure, the publisher can suggest other contacts that can assist you in your
needs.

Full speed ahead!

40
Hyperbole: Poetic or rhetorical overstatement; exaggeration.

Page 23 of 23 -
The Curse of Co Suretyship
90
J

Section 4

Annotated
Glosssary of Terms
 Annotated Glossary of Terms
“Cracking the Code”
Note. ‘'UCC” means Uniform Commercial Code. Per UCC §§ 1-104, when there arises a
conflict between current code and a deleted section, the deleted section controls; i.e.
nothing is ever actually deleted. Therefore, earlier editions of the UCC would be useful.

Introduction. Do not expect to understand the UCC at a glance. It is the culmination of

thousands of years of effort by countless collaborators and was never supposed to have
been deciphered. Understanding the Code can be likened to solving a giant jigsaw puzzle:
one is not going to see the picture with all the pieces in disarray . A few pieces must be
connected before one can gain awareness of the fundamental issues at hand, build on
them, and eventually solve the puzzle—but this need not take an inordinate amount of time.
One good way to go about it is to follow the annotations accompanying the definitions of
terms that direct you to see and compare other related terms in the Glossary . By gathering
bits of understanding from different places and from different points of view, the pieces of
the puzzle begin to fit together and the big picture can take shape very quickly .

There are a number of key terms that will provide a good entrance point to the Glossary for
gaining an understanding of the Redemption Process. Some of those terms would be:
straw man, birth certificate , transmitting utility , value , redemption, and House Joint
Resolution 192 of June 5, 1933 . An entertaining and all-inclusive definition is found at
Wizard of Oz, The . Do not be daunted by the size of this Glossary. All terms have bearing
on what has happened, and is currently happening, thereby making it very interesting
material for anyone concerned about survival and freedom.

Key. ACED American College Encyclopedic Dictionary, 1959

AHD American Heritage Dictionary, 1969
Barron’s 3rd Barron’s Law Dictionary, Third Edition, 1991
BOLT .
Barron’s Dictionary of Legal Terms 1983
Black’s 1St Black’s Law Dictionary, First Edition, 1891
Black’s 4th .
Black ' s Law Dictionary Fourth Edition , 1951
Black’s 5th Black ’ s Law Dictionary, Fifth Edition, 1979
Black's 6th .
Black's Law Dictionary Sixth Edition, 1990
Black’s 7th _
Black’s Law Dictionary, Seventh Edition, 1999
Bouvier ’ s 6th Bouvier’s Law Dictionary , Sixth Edition, 1856
th
Bouvier’ s 8 = Bouvier’s Law Dictionary, Eighth Edition, Third Rev., 1914
F &W Funk & Wagnalls Standard Dictionary, Int’t Edition,1958
OED The Oxford English Dictionary , 1971
UCC .
Uniform Commercial Code 1996
Webster’s Webster' s Encyclopedic Unabridged Dictionary, 1996
W&P Words and Phrases (90 Volumes), 1968
WSUG Wash. State Uniform Comm. Code User’s Guide, 1999

Page l of 1 Glossary Key

92
AB INITIO, adv . [Latin] From the beginning; from the first act. Black’s 1st.

.
ABSOLUTE RIGHTS As regards right to interfere with contractual obligations of another,
“absolute rights’’ which individual may exercise without reference to motive are rights
incident to ownership of property , rights growing out of contractual relations, and right to
enter or refuse to enter contractual relations. By the “absolute rights” of individuals is
meant those which are in their primary and strictest sense, such as would belong to their
persons merely in a state of nature, and which every man is entitled to enjoy, whether out of
society or in it. The rights of personal security, of personal liberty, and private property do
not depend upon the Constitution for their existence. They existed before the Constitution
was made, or the government was organized. These are what are termed the “absolute
rights" of individuals, which belong to them independently of all government, and which all
governments which derive their power from the consent of the governed were instituted to
protect . W&P, Vol. 1. Compare droit-droit.

.
ACCEPTANCE [< L accept(are ) , equiv. to ac- + cep take + -t- freq. suffix] The voluntary act
of receiving something or agreeing to certain terms. In contract law , acceptance is consent
to the terms of an offer , creating a binding contract; the taking and receiving of anything in
good part, and as if it were a tacit agreement to a preceding act, which might have been
defeated or avoided if such acceptance had not been made. The act of a person to whom a
thing is offered or tendered by another , whereby he receives the thing with the intention of
retaining it, such intention being evidenced by a sufficient act. Black’s 6th . An agreement ,
either by express act or by implication from conduct, to the terms of an offer so that a
binding contract is formed , • If an acceptance modifies the terms or adds new ones , it
generally operates as a counteroffer. Black's 7th. A negotiable instrument, especially a bill
of exchange, that has been accepted for payment. Black's 7th.

ACCEPTANCE BY SILENCE. When the court "implies a promise” or holds that good faith
requires a party not to violate these expectations, it is recognizing that sometimes silence
says more than words, and it is understanding its duty to the spirit of the bargain is higher
than its duty to the technicalities of the language. Corbin on Contracts. See Note.

ACCEPTANCE FOR VALUE, See Note, remedy, acceptance, value, holder in due
course, banker’s acceptance.

Note: By acceptance for value is implied a taking, an “acceptance” of something,

in exchange for another thing previously provided, e . g . a using credit balance
previously established to purchase something. Value , as peculiarly defined within
the UCC , is an esoteric term, and implies that some sort of credit has been
established beforehand, whereby the party with the credit may take/accept/purchase
some item in commerce based on his credit , i.e. what is owed. It applies in
numerous types of situations. Basically, if a party has established his position as a
creditor of some sort , he can unilaterally accept (purchase/take) anything that would
help reconcile the credit discrepancy by executing that particular transaction. Such a
creditor, having essentially a credit balance , need not obtain anyone’ s approval
before so acting. One example of this is the acceptance for value of a document
bearing the creditor’s TRADE NAME, e. g. the birth certificate. The source of all

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 credit and accountability (value) associated with the TRADE NAME is the sovereign
flesh-and-biood man/woman from whose true name the TRADE NAME was derived.

.
ACCEPTANCE OF A BILL OF EXCHANGE In mercantile law. The act by which the person
on whom a bill of exchange is drawn (called the “drawee”) assents to the request of the
drawer to pay it, or, in other words, engages, or makes himself liable to pay it when due It .
may be by parol or in writing , and either general or special, absolute or unconditional; and it
may be impliedly, as well as expressly, given. But the usual and regular mode of
acceptance is by the drawee’s writing across the face of the bill the word “acceptance,”
and subscribing his name; after which he is termed the acceptor. Black’s 1st. See banker’s
acceptance , bill of exchange , sight draft.

* PAROL, a word; speech ; hence, oral or verbal; expressed or evidenced by speech

only; not expressed by writing.... Black 's 4th.

ACCEPTANCE OF DRAFT; CERTIFIED CHECK, (a) means the drawee’s signed agreement
to pay a draft as presented. It shall be written on the draft and may consist of the drawee’s
signature alone. Acceptance may be made at any time and becomes effective when
notification pursuant to instructions is given or the accepted draft is delivered for the
purpose of giving rights on the acceptance to any person, (b) A draft may be accepted
although it has not been signed by the drawer, is otherwise incomplete, is overdue, or has
been dishonored, (c) If a draft is payable at a fixed period after sight and the acceptor fails
to date the acceptance, the holder may complete the acceptance by supplying a date in
good faith, (d) “Certified check" means a check accepted by the bank on which it is
drawn. Acceptance may be made as stated in subdivision (a) or by a writing on the check
which indicates that the check is certified. The drawee of a check has no obligation to
certify the check, and refusal to certify is not dishonor of the check. UCC 3-409.

.
ACCEPTOR “Acceptor” means a drawee who has accepted a draft. UCC 3-103(1). The
person who accepts a bill of exchange, (generally the drawee,) or who engages to be
primarily responsible for its payment. Black's 1st . See Note.

.
ACCOMMODATION An arrangement or engagement made as a favor to another , not upon
a consideration received. Something done to oblige, usually spoken of a loan of money or
commercial paper; also a friendly agreement or composition of differences. The word
implies no consideration. While a party’s intent may be to aid a maker of note by tending
his credit, if he seeks to accomplish thereby legitimate objectives of his own, and not simply
th
to aid maker, the act is not for accommodation . Black’s 6 . n. 1. A loan or other financial
favor. 2. The act of signing an accommodation paper as surety for another. Black's 7 .
th

See Note.

Note: All of your licenses, permits, utilities services, bank accounts, travel
documents, W-4 Forms, tax returns, paychecks, etc. are in your straw man's
fictitious TRADE NAME, not your true name. Until now, when you signed any of
these items, you were signing for accommodation and obligating yourself, albeit
unwittingly, on behalf of the TRADE NAME. See straw man.

ACCOMMODATION INDORSER. A party who places his name to a note without

consideration for purposes of benefiting or accommodating some other party . Black’s 6 .
th

See Note, accommodation, accommodation maker.

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ACCOMMODATION LOAN. A loan for which the lender receives no consideration in return.
Black’s 7th. See accommodation.

ACCOMODATION MAKER. One who puts his name to a note without any consideration with
the intention of lending his credit to the accommodated party. Black 's 6th. See Note.

Note: When you sign a traffic citation , which is a "promise to (appear and then) pay,”
i. e. a promissory note, you are the accommodation maker , your straw man the
accommodated party.

ACCOMMODATION NOTE. One to which accommodating party has put his name, without
consideration, to accommodate some other party, who is to issue it and is expected to pay
it. Black’s 6th. UCC 3-419. See Note.

Note: All promises to pay are done by accommodation. The flesh-and-blood man
or woman signs the note for accommodation on behalf of the TRADE NAME. The
fictitious straw man (TRADE NAME), an artificial person created by government, is
the “transmitting utility” (see transmitting utility) whereby all goods and services of
the industrial society flow into and out of the possession of the flesh-and-blood
man/woman. The straw man, having no life, no brain, and no body with which to
apply a signature, must be accommodated by the actual/attached man/woman, also
known, in this context, as a surety (see surety).

.
ACCOMMODATION PARTY One who signs commercial paper in any capacity for purpose
of lending his name ( i.e. credit) to another party to instrument. Such party is a surety.
.
Black ’ s 6 UCC 3-419, See Note, surety.

Note: When you sign a traffic citation, IRS Form 1040, etc., you are the
accommodation party . You are the source of all credit for the party whose name
appears on the driver license, Social Security card, etc. in your possession. You
have provided the TRADE NAME with value (credit) your entire life.

ACCOMMODATION SURETY. See voluntary surety under surety.

ACCOUNT. “Account,” accept as used in "account for," means a right to payment of a

monetary obligation, whether or not earned by performance, (i) for property that has been or
is to be sold, leased, licensed, assigned, or otherwise disposed of, (ii) for services rendered
or to be rendered, (iii) for a policy of insurance issued or to be issued, (?v) for a secondary
obligation incurred or to be incurred, (v) for energy provided or to be provided, (vi) for the
use or hire of a vessel under a charter or other contract, (vii) arising out of the use of a
credit or charge card or for Information contained on or for use with the card, or (viii) as
winnings in a lottery or other game of chance operated or sponsored by a state,
governmental unit of a state, or person licensed or authorized to operate the game by a
.
state or governmental unit of a state The term includes healthcare insurance receivables.
The term does not include (i) rights to payment evidenced by chattel paper or an instrument,
(ii) commercial tort claims, (iii) deposit accounts, (iv) investment property, (v) letter-of-credit
rights or letters of credit, or (vi) rights to payment for money or funds advanced or sold,
other than rights arising out of the use of a credit or charge card or information contained on
or for use with the card. UCC 9-102(a)(2) . See consumer transaction.

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 ACCOUNT NUMBER. See Note.

Note: Same as account (2) . The sovereign creditor’s mirror-image, private side (of
the governmental double-entry bookkeeping ledger) account number ( e.g.
-
123456789) of the straw man-debtor’s public-side Social Security Account Number
(e g. 123-45-6789) . All IRS (and state tax agency) correspondence references the
account number as the dash-less version of the Social Security Account Number .

ACCOUNT DEBTOR. “Account debtor ’ means a person obligated on an account , chattel

1

.
paper, or general intangible The term does not include persons obligated to pay a
negotiable instrument, even if the instrument constitutes part of chattel paper UCC 9- .
102(a)(3).
..•

ACCOUNTING. “Accounting , ” except as used in “accounting for,” means a record that is

all of the following: (A) Authenticated by a secured party . (B) Indicating the aggregate
unpaid secured obligations as of a date not more than 35 days earlier or 35 days later than
the date of record. (C) Identifying the components of the obligations in reasonable detail.
UCC 9-102(a)(4).

ACCUSATION. A formal charge against a person, to the effect that he is guilty of a

punishable offense, laid before a court or magistrate having jurisdiction to inquire into the
alleged crime. Black 's 6th.

Note: Per listing of “InformerTInformanf on the birth document, and as subscribed

thereto by one’s mother, one has, by definition, had an accusation preferred against
one. This is also very possibly the basis for ail subsequent insistences by Big
Brother that the all-capital letters TRADE NAME references the man or woman so
identified by the birth document. See informer , identification of goods, proper,
all-capital letters-written.
ACTION. " Action” in the sense of a judicial proceeding includes recoupment , counter-claim,
set-off, suit in equity, and any other proceedings in which rights are determined. UCC 1
201(1). See setoff .
-
ADHESION CONTRACT, A contract so heavily restrictive of one party, while so non
restrictive of another , that doubts arise as to its representation as a voluntary and
-
uncoerced agreement; implies a grave inequality of bargaining power . The concept often
arises in the context of “standard-form printed contracts prepared by one party and
submitted to the other on a ‘take it or leave it’ basis. The law has recognized there is often
no true equality in bargaining power in such contracts and has accommodated that reality
in construing them." Barron’s 3rd. See Note.

Note: A driver license application and an IRS Form 1040 are examples of an
adhesion contract.

ADMIRALTY. A court which has a very extensive jurisdiction of maritime causes, civil and
criminal. See Note , admiralty law , maritime .

Note: Admiralty courts, i.e. Municipal Court , Superior Court , etc. , comprise the only
jurisdiction that can enforce a criminal penalty for a civil offense. No other type of
jurisdiction has this capability. This is why people must post bail prior to arraignment

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 or trial and are sometimes sentenced to jail time (two aspects of criminal procedure)
for civil “offenses,” such as traffic citations, wherein no party is injured and no
property damaged. All courts in America operate as admiralty courts.

ADMIRALTY LAW. The terms “admiralty” and “maritime” are virtually synonymous. Black’s
6th.

AFFIANT. The person who makes and subscribes an affidavit. The word is used, in this
sense, interchangeably with “deponent.” But the latter term should be reserved as the
designation of one who makes a deposition. Black’s 1st . See Note, affidavit:

Note: As relates to the Redemption Process, “affiant” is defined as the natural-born,

flesh and blood, sentient being whose name is designated in upper- and lower-case
letters (one’s true name) in accordance with the rules of English grammar, who
executes and signs an affidavit under oath.

AFFIDAVIT. A written or printed declaration or statement of facts, made voluntarily, and

confirmed by the oath or affirmation of the party making it, taken before an officer with
authority to administer such oath. Black’s 1sl. See Note, commerce.

Note: The capacity to issue one’s solemn declaration of truth, one’s sacred word is
the most basic, fundamental, underlying, foundational concept of all commerce,
society, and civilization. An “affidavit” is a written statement under oath executed
and sworn to before an authorized officer on the maker's commercial liability that all
assertions contained within the affidavit are true, correct, and complete, not
misleading, the truth , the whole truth, and nothing but the truth. An affidavit is the
most solemn , unequivocal, and ceremonial means extant to express truth without
evasion, concealment, deception , or insincerity. As distinguished from “testimony ,”
an affidavit is not subject to cross-examination and is intended to be a complete,
self-contained document. All truth is subjective, and only each free-will being
possesses the right, duty, privilege, and capacity to state that affiant’s own truth in
accordance with the unique nature, perspectives, and priorities of the affiant. No
one has the authority nor the ability to state the truth of another. As per the maxim
of law: “The order of things is confounded if everyone preserves not his jurisdiction.”
Because truth is supreme in Commerce, an affidavit is the most important
document in Commerce and stands as the truth unless rebutted point-for-point by
counteraffidavit signed and certified on the executing party's commercial liability as
true, correct, and complete (/.e, not misleading , the truth, the whole truth, and
nothing but the truth). Exodus 20:16, the “Ninth Commandment," states: "Thou shalt
not bear false witness against thy neighbor." The Bible is especially harsh on those
who bear false witness. Lies are weapons that are easy to utter, difficult if not
impossible to undo when spread as rumors, and can destroy lives. People often act
on what is told to them and kill or are killed on the basis thereof, such as by
marching off to war , believing "authorities,” or blindly obeying one’s "superiors.”
Caveat emptor is as wise an attitude in the field of words and ideas as it is
concerning goods or services. For one group’s official attempt at avoiding the
consequences of bearing false witness, see “Kol Nidre.”

AFFIDAVIT OF SERVICE. An affidavit intended to certify the service of a writ, notice, or

other document. Black’s 1st. See Note .

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 Note . When using the mails/United States Postal Service for service of commercial
process , it is always wise to include (the original of) an affidavit of service along
with the item served. In so doing , one averts the potential claim by the recipient : “I
received the envelope, but it was empty .” A sample affidavit of service is found in
Part II under “Handling Presentments."

AGREEMENT. “Agreement “ means the bargain of the parties in fact as found in their
language or by implication from other circumstances including course of dealing or usage of
trade or course of performance as provided in this code. Whether an agreement has legal
consequences is determined by the provisions of this code, if applicable; otherwise by the
law of contracts (Section 1-103) . UCC 1-201(3) . Compare contract . See Note.

Note: In other words, you have formed an agreement in fact and are inextricably
linked with the TRADE NAME by course of dealing, usage , trade, and course of
performance . The legal consequences of the “marriage” with your straw-man
TRADE NAME is spelled out in the code, where applicable; where not applicable , it
references Section 1-103, which states that all other forms of law “...shall
supplement its provisions.” The UCC is the supreme codified law on the planet .
Legal consequences are dictated under the UCC. In law, and the UCC is the
supreme law , there are only two kinds of people: debtors and creditors .

ALL-CAPITAL-LETTERS-WRITTEN. See Note.

Note: A proper name appearing in all-capital letters falls outside the rules of
English grammar, which authorizes the use of a capitalized letter only for a very
limited number of well-defined uses, such as the initial letter of a proper name. A
capital letter is defined as: “(of letters) of the large size used at the beginning of a
sentence or as the first letter of a proper name.” (ACED) No lexical authority for use
of all-capital letters in the name of a man or woman has yet been referenced by
those who would insist on corrupting the true names of men and women by
displaying their name in all-capital letters. An all-capital letters-written version of
one's name is not one’s true name, but an artificial construct , existing by force of law
only. No authority of English grammar recognizes such a contrivance. The legal
term , in propia persona , means “in one’s own proper person. ” How can one do
anything outside of “one's own proper person” unless there exists some other
“person” by whom/which one could act? Using the juristic artifice known as “legal
fiction,” parties identified by their proper-noun name have been ascribed corrupted,
all-capital-letter names . All legal pleadings, court records, and licenses use only
names appearing in all-capital letters—i.e. “newborn” artificial persons existing in
contemplation of or by force of law alone. See legal fiction , proper, fictitious
name , artificial, artificial person, idem sonans , informer.

ALLODIAL . [ < ML allodial(is) , equiv . to allodi(um), ALLODIUM + alis -AL; see allodium]
Free; not holden of any lord or superior; owned without obligation of vassalage or fealty; the
opposite of feudal. Black’s 1st. See Note, allodium . Compare feudal .

ALLODIUM. [< ML < OG allod (all ALL + - od patrimony, c., Icel. otfr-, OE eth- in ethel. akin
(by graduation) to ath- of ATHELING)] Land held absolutely in one’s own right , and not of any
lord or superior ; land not subject to feudal duties or burdens. An estate held by absolute
ownership, without recognizing any superior to whom any duty is due on account thereof.
Black ’s 1st . See Note at allodial .
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APPEARANCE. A coming into court as party to a suit, whether as plaintiff or defendant. The
former proceeding by which a defendant submits himself to the jurisdiction of the court.
Bouvier’s 8th.

Note: There are two kinds of appearance: general and special . See bail.

APPELLATION. [ Appellit o, onis, f. accosting; appeal; calling by name; name, title;

pronunciation . Burt’s Latin-Enolish Dictionary. 1926 ] [a. Fr. appellation (13th c., ad. L.
appellation-em, of action f. appellSre <to accost * address, call upon> . . . ] I. Appealing,
appeal [from O. Fr. apeler.] Obs.1. The action of appealing to a higher court or authority
against the decision of an inferior one; the appeal so made. .. b. Ground of appeal, title ,
claim. Obs. Rare . 2. gen . The action of appealing or calling on; entreaty, or earnest
address. Obs. II. Calling , designation [from later Fr. apeller , or L. appellSre.] 3. The action
of calling by a name; nomenclature. 4. A designation, name or title given: a. to a particular
person or thing, b. to a class: A descriptive or connotative name.” OED. 1. A name or title.
2. The act of naming or calling." F&W. Act of calling by a name;.. .a name or designation
Webster’s Collegiate Dictionary, Fifth Edition, 1947. n.f. appealing, calling, naming,
appellation. Cassell’s French-Enqlish and English-French Dictionary. See Note, Section
entitled “The Con Beneath the Con “ in “Maintaining Fiscal Integrity” in Part I of this manual.

*ACCOST. To speak to first; address; greet. .. Manner or act of addressing; greeting.

F&W.

Note: The significance of this term in your quest for personal sovereignty cannot be
exaggerated. Appellation may be construed as simply a name, but its true meaning
is infinitely more profound. Its actual meaning is “that which is used by others for the
purpose of gaining your attention”; how you then respond after receiving such
greeting/address is the prerogative of a sovereign.

ART. [L ars skill, art] A principle put in practice and applied to some art, machine,
manufacture, or composition of matter. Black’s 1st.

ARTIFICIAL. Created by art, or by law; existing only by force of or in contemplation of law.

Black’s 1st . See Note.

Note: Names of persons appearing in all-capital letters are not written in English and
exist only by force of or in contemplation of law. Persons so-named are artificial
persons. See juristic person, person, proper, all-capital-letters-written, idem
sonans , fictitious name.

ARTIFICIAL PERSON. See artificial, person.

ASSIGNEE. The person or business to whom a security interest in collateral is transferred.

WSUG.

ATTACHMENT. A security interst attaches to collateral when it becomes enforceable

against the debtor with respect to Ithe collateral, unless an agreement expressly postpones
the time of attachment. UCC 9-203{a). See Note.

Note: Depending on the type of collateral, a security interest attaches and becomes
enforceable under different circumstances. See UCC 9-203 for details. Under

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99
 Previous Article 9, which is stilt essentially in harmony with Revised Article 9 , when
the three basic prerequisites of a security interest exist, i.e. agreement, value, and
collateral, the security agreement became enforceable between the parties and was
said to "attach."

ATTORN, v. Law [ a. OF. atorne-r, aturne-r, atourne-r (whence law Latin attornare ) to turn,
turn to, assign, attribute, dispose, arrange, order, appoint , constitute, ordain, decree, f. a to
+ tourner to Turn. The analogical spelling is a{ t )turrr, but under the influence of Med.L.
attornare , the late AF, became attorney whence attorn passed into the Eng. law-books.] 1 .
Trans. To turn over to another; to assign, transfer (goods, tenants’ service, allegiance, etc. )
.
2 To transfer oneself ( i.e. one’s homage and allegiance) from one lord to another; to yield
.
allegiance, or do homage to, as lord. 3 Mod. Law. To agree formally to be the tenant of one
into whose possession the estate has passed; to do some act which constitutes a legal
acknowledgment of the new landlord.” OED.

.
ATTORNEY, [a. OF . atorne, aturne, atourne, pa . pple. masc of atourner to ATTORN, in sense
of 'one appointed or one constituted,’ whence all the specific uses. (The statement found in
the law dictionaries for the last 200 years, that the word means 'one who acts in the turn of
another’ is a bad guess.) For spelling cf. ATTORN.] 1. One appointed or ordained to act for
another; an agent, deputy, commissioner. In later times only fig. and perhaps with
.
conscious reference to sense 2 . obs 2. (Attorney in fact, private attorney .) One duty
appointed or constituted (by Letter or Power of Attorney ) to act for another in business and
legal matters, either generally , as in payment, receipt, and investment of money , in suing
and being sued, etc. , or in some specific act, which the principal, by reason of absence, is
unable to perform in person. Hence the contrast in ‘in person’ and ‘by attorney ,’ frequent
.
also in fig. senses. 3 ( Attorney-at-Law, public attorney ) A professional and properly-
qualified legal agent practicing in the courts of Common Law (as a solicitor practiced in the
courts of Equity); one who conducted litigation in these courts, preparing the case for
barristers or counsel, whose duty and privilege it is to plead and argue in open court . 4.
Transf. An advocate, pleader, mediator. 5. Specific title of the law officer of various councils,
.
etc. , and the clerk of various courts. 6 The King’s Attorney (earlier) descriptive
,

designation of the legal officer now called ATTORNEY-GENERAL. Mr. Attorney , the ‘style’
used in addressing (formerly also in speaking of) him. 7. attrib., as in attorney-cunning ,
efc. OED. See “The Truth About Esquires” in Part I of this manual; also attorney & client.

. 55
ATTORNEY & CLIENT His first duty is to the courts and the public, not to the client , and
wherever the duties to his client conflict with those he owes as an officer of the court in the
administration of justice , the former must yield to the tatter.56 The office of attorney is
indispensable to the administration of justice and is intimate and peculiar in its relation to,
and vital to the well-being of, the court.57 An attorney has a duty to aid the court in seeing
that actions and proceedings in which he is engaged as counsel are conducted in a
dignified and orderly manner , free from passion and personal animosities , and that all
.
causes brought to an issue are tried and decided on their merits only68. . Duty not looked
on lightly. Attorneys as officers of court have duty to maintain respect due court which
duty should exceed that imposed upon the public generally and which duty should not be
looked upon lightly and cannot be shirked under the guise of representing interest of a party
litigant.... Arm of State . As attorney , is an officer of the court and as such an officer and
arm of the state (124 F. Supp. 257).... Nature and duty of obligation. One who is
admitted to practice as attorney at law, both by virtue of his oath of office and customs and
traditions of the legal profession , owes to the court the highest duty of fidelity (97 N.W. 2d

Glossary Page 8 of 99 Rev. 02/ 15/2002

100
287; 255 Minn. 370 In re: Lord) . Accepting employment entails duty to courts and faithful
.
performance of services.. . Vital Public Interest. The relation of attorney and client is
affected by vital public interest . ... Letters Patent. Right to practice taw is a property right,
existing by virtue of letters patent ( 168 A. 229 ; 114 N . J. Eq . 68) . ... 7 Corpus Juris
Secundum 4 ( 1980). Practicing Attorney. Ability which is greater than that possessed by
average citizen.... 7 Corpus Juris Secundum 29 (1980). Accepting employment entails duty
to courts and faithful performance of services.... See Note.
55
.-
U S. U.S. v . Frank, D.C.N.J., 53 F. 2d 128, reversed on other grounds Loughlin v. U.S., 57
F. 2d 1080, and reversed on other ground Pearse v. U.S., 59 F. 2d 518-In re Kelly, D.C.
Mont. 243 F. 696; Fla.-Petition of Florida State Bar Ass’ n, 186 So . 280, 134 Fla. 851; Neb .-
State ex rel. Nebraska State Bar Ass’ n v. Jensen , 105 N.W . 2d 459, 171 Neb . I , certiorari
denied 81 S .Ct. 905, 365 U.S. 870, 5 L. ed. 2d 860; N.D ,-State v. Stokes, 243 N.W. 2d 372;
Wis.- Petition of Board of Law Examiners, Examination of 1928, 210 N.W. 710, 191 Wis.
359.
.
Va.-Holt v. Com . 138 S.E. 2d 809, 205 Va „ 332, reversed on other grounds 85 S. Ct 1375
56

381 U.S. 131, 14 L. Ed 2d 290.

57
La.-State v. Woodville, 108 So. 309, 161 La. 125
58
Min.-Hoppe u. Klapperich. 28 N .W . 2d 780, 224 Minn . 224, 173 A.L.R. 622.

Note : By definition, the obligations and duties of attorneys are toward the court and
the “public’’ (abstraction of the mind that favors government) never the client .
-
Clients are fodder for the freedom usurpation and wealth-confiscation activities of
the court. Attorneys are there to ensure that the court is well stocked with paying
customers. It is a rigged game, with attorneys enjoying many special privileges
(such as having their fees enforced by judicial decree, even when they lose) in
exchange for shepherding unwitting client-victims into court at the sacrificial judicial
altar. Clients are also “wards of the court” and therefore “persons of unsound mind / ’
See client , wards of court.

ATTORNMENT. Law. Forms: see ATTORN V . [a. OF. atournement, , f. atourner: see ATTORN
and -MENT .] 1. A turning over, transference, assignment. 2. spec . The transference of his
homage and service by a tenant to a new feudal lord; hence , legal acknowledgment of the
new landlord. OED.

.
AUTHENTICATE “Authenticate” means to do either of the following: (A) To sign. (B) To
execute or otherwise adopt a symbol, or encrypt or similarly process a record in whole or in
part , with the present intent of the authenticating person to identify the person and adopt
or accept a record. UCC 9-102(a)(7).

AVER. In pleading. To declare or assert; to set out distinctly and formally ; to allege. Black’s
1st.

BAIL, (Fr , bailer , to deliver). By bail is understood sureties, given according to law, to
insure the appearance of a party in court. The persons who become surety are called bail.
Sometimes the term is applied , with a want of exactness, to the security given by a
defendant, in order to obtain a stay of execution , after judgment, in civil cases. Bail is either
th
civil or criminal. Bouvier’s 6 . One who becomes the surety for the appearance of the
defendant in court. Bouvier’s 8 . To deliver the defendant to persons who, in the manner
th

Rev. 02/ 15/2002 Page 9 of 99 Glossary

101
 prescribed by law, become security for his appearance in court. Bouvier' s 8th. n. Monetary
amount for or condition of pretrial release from custody, normally set by a judge at the initial
appearance. The purpose of bail is to ensure the appearance of the accused at
subsequent proceedings. If the accused is unable to make bail, or otherwise unable to be
released on his or her own recognizance, he or she is detained in custody. The Eighth
Amendment (U.S. Const.) provides that excessive bail shall not be required. Black's 6th.
The surety or sureties who procure the release of a person under arrest, by becoming
responsible for his appearance at the time and place designated. Those persons who
.
become sureties for the appearance of the defendant in court Black ' s 6th. See Note .
Note: If a straw man/TRADE NAME/defendant cannot make/pay bail then the man/
woman attached with that straw man/TRADE NAME/defendant becomes the bail.
This is formal legal recognition/acknowledgment that this particular man/woman is
the surety for the appearance of the dummy/straw man/TRADE NAME/defendant
(artificial person) in court . See dummy, surety , appearance.

BAILEE. "Bailee” means the person who , by a warehouse receipt, bill of lading, or other
document of title, acknowledges possession of goods and contracts to deliver them. UCC
7-102(1)(a).

BAILMENT. A delivery of something of a personal nature by one party to another, to be held

according to the purpose or object of the delivery , and to be returned or delivered over
when that purpose is accomplished. Bouvier's 8tf1.

Note: A cycle of bailment commences when a mother delivers a baby ("something

of a personal nature”) to the state by signing the birth certificate and registering and
surrendering legal title to the biological property, i.e. the baby’s body. See dummy ,
surety , appearance.

BANK. "Bank” means an organization that is engaged in the business of banking. The
term includes savings banks, savings and loan associations, credit unions, and trust
companies. UCC 9-102(a)(8). See person.

BANK ACCEPTANCE. Draft drawn on and accepted by bank. Bouvier’s 801.

BANKER. In general sense person that engages in business of banking, in narrower
meaning, a private person who keeps a bank; one who is engaged in the business of
banking without being incorporated. One who carries on the business of banking by
receiving money on deposit with or without interest, by buying and selling bills of exchange,
promissory notes, bonds or stock, or other securities , and by loaning money without being
.
incorporated Under some statutes, an individual banker, as distinguished from a "private
banker” ( q . v. ) , is a person who, having complied with the statutory requirements, has
received authority from the state to engage in the business of banking , while a private
banker is a person engaged in banking without having any special privileges or authority
from the state. Black’s 6m. See private bank .

BANKER’S ACCEPTANCE. ...A bill of exchange draft payable at maturity that is drawn by a
creditor against his or her debtor. Banker’ s acceptances are short-term credit instruments
most commonly used by persons or firms engaged in international trade. They are
comparable to short-term government securities (for example, Treasury Bills) and may be
sold on the open market at a discount. Black 's 6m. A bill of exchange drawn on and
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 accepted by a commercial bank ... .
Black’s 7 t1. See bank, banker , private bank, House
{

Joint Resolution 192 of June 5, 1933 ,

BANKER ’ S NOTE. A commercial instrument resembling a bank-note in every particular

except that it is given by a private banker or unincorporated banking institution. Black’s 1st.
See banker , private bank.

BANKRUPTCY. Popularly defined as insolvency , the inability of a debtor to pay his debts as
they become due. Technically , however, it is the legal process under the Federal
Bankruptcy Act by which assets of the debtor are liquidated as quickly as possible to pay
off his creditors and to discharge the bankrupt, or free him of his debts, so he can start
anew. In reorganization , on the other hand, liquidation may be avoided and the debtor may
continue to function, pay his creditors, and carry on business. Barron's 3rd. “Mr. Speaker.
We are now here in Chapter 11. Members of Congress are official trustees presiding over
r
the greatest reorganization in world history, the U.S. Government.... It is an established fact
that the United States Federal Government has been dissolved by the Emergency Banking
Act, March 9, 1933, 48 Stat. 1, Public Law 89-719; declared by President Roosevelt, being
rd
bankrupt and insolvent . H.J.R . 192, 73 Congress in session June 5, 1933 - Joint
Resolution to Suspend the Gold Standard and Abrogate the Gold Clause dissolved the
Sovereign Authority of the United States and the official capacities of all United States
Governmental Offices , Officers, and Departments and is further evidence that the United
States Federal Government exists today in name only ....’ Congressional Record , March
1

17, 1993, Vol. 33. See Chapter 11 Reorganization.

BAR. 1. A partition or railing running across a court-room, intending to separate the general
public from the space occupied by the judges, counsel, jury, and others concerned in the
trial of a cause....the whole body of attorneys and counselors, or the members of the legal
profession, collectively, who are figuratively called the ‘' bar.” They are thus distinguished
from the “bench,” which term denotes the whole body of judges... . Black's 6 .
th

BARRATRY. In maritime law. An act committed by the master or mariners of a vessel, for
some unlawful or fraudulent purpose, contrary to their duty to the owners, whereby the latter
sustain injury. It may include negligence, if so gross as to evidence Fraud. In criminal law.
Common barratry is the practice of exciting groundless judicial proceedings. Black’s 1 .
st

See Note.

Note: Both definitions apply equally in the courtroom: in the first, the “master” is the
judge (in some jurisdictions judges are called “masters”) , the "mariners” are the
attorneys, the “vessel" is your TRADE NAME, the only rightful “owner" of the “vessel”
is you, and the “injury" to you, the owner, is the loss of wealth or freedom. In the
second, the judges and attorneys proceed against you without the requisite claim to
do so, acting on behalf of fictitious entities, i.e . corporations/ governments.

Per Erie Railroad v Tompkins (1938) 304 U.S. 64-92, the bankruptcy of 1933 had
placed everything under the 14th Amendment. Erie's ruling that there was "no more
general federal common law" was open admission of anarchy /tyranny. Law and
contracts fell under a private, colorable law merchant in colorable admiralty-
maritime, the “special federal common taw” (see special) of the Uniform Commercial
Code. Issues are decided in general (see general) equity (conscience of the court),
not special equity (explicit terms of express contracts). Adopting private commercial
paper as money resulted in an " at law” mixture of public, maritime, bankruptcy,

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 equity, etc. in the same court. The judge moves between one and the other as the
situation indicates, including shifting from equity into admiralty in order to impose
—
criminal penalties in civil matters. This is why you must "post a bond” something
—
normally reserved for civil proceedings on a misdemeanor traffic citation, a criminal
proceeding (even though the matter is actually civil in nature). Arguing the
Constitution is frivolous since one has long since consented with what is happening.

BEARER. "Bearer” means the person in possession of an instrument, document of title, or

certificated security payable to bearer or indorsed in blank. UCC 1-201(5) .

BILL. Commercial transactions. A written statement of the terms of a contract, or

specification of the items of a contract or of a demand. Also, a general name for any item of
indebtedness, whether receivable or payable... Black’s 6th. Also, the creditor’s written
statement of his claim, specifying the items.... Black 's 1st. In Mercantile Law. The
creditor’s written statement of his claim, specifying the items. It differs from an account
stated in this, that a bill is the creditor’s statement; an account stated is a statement that has
been assented to by both parties. Bouvier’s 8th.

.
BILL OF EXCHANGE A written order from A. to B., directing B. to pay C. a certain sum of
money therein named. A bill of exchange is an instrument, negotiable in form, by which
one, who is called the “drawer ,” requests another, called the “drawee,” to pay a specified
sum of money. A bill of exchange is an order by one person, called the “drawer” or
“maker,” to another, called the “drawee” or “acceptor,” to pay money to another, (who may
be the drawer himself,) called the “payee,” or his order, or to the bearer. If the payee, or a
st
bearer, transfers the bill by indorsement, he then becomes the “indorser.” Black’s 1 . See
Note, payee.

Note: It has recently been discovered that the IRS has its own bank account (semi-
secret), called a “Treasury Tax and Loan Account,” or TTL, in every banking/financial
institution that deals in Federal Reserve Notes. It has also been verified that IRS
levies are effected from the “Special Procedures Function Department (or Office)”
via simple fax (bill of exchange) instructing the particular bank, savings & loan,
credit union, brokerage house, etc. , to debit the depositor’s/taxpayer’s account and
credit the TTL.

BILL OF LADING. In common law . The written evidence for the contract and carriage and
st
delivery of goods sent by sea for a certain freight. 1 H. Bl. 359. Black’s 1 . See Note.
st
BIRTH. The act of being born or wholly brought into separate existence. Black’s 1 . See
Note, and Note at birth record.

Note: A man or a woman is “born”; TRADE NAMES are “ wholly brought into
separate existence .” Each event qualifies as a “birth.” The birth certificate
documents a muddied mixture of the two events that allows the system to both claim
that it is “your” birth certificate yet also claim to hold legal title of ( not ownership of)
the corporately colored TRADE NAME.

.
BIRTH CERTIFICATE A formal document which certifies as to the date and place of one’s
birth and a recitation of his or her parentage, as issued by an official in charge of such
records. Furnishing of such is often required to prove one’s age. Black’s 6> . See Note,
h

birth, birth record, document of title, field warehouse receipt, bond.

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 Note: A birth certificate is a negotiable document (see document) , a registered
security (see securities), pedigree chattel (see chattel) document that establishes
the existence of the straw man (see straw man), a distinct artificial person (see
artificial person, person) with a fictitious TRADE NAME (see fictitious name) ;
document of title for a straw man; warehouse receipt (see field warehouse receipt)
for your body ; delivery receipt. For many years the designator, “U.S. DEPT. OF
COMMERCE - BUREAU OF THE CENSUS,” appeared on birth certificates. In
America, the original birth document is generally created at county level (sometimes
at city level) via birth documents from the hospital.

The source of the following information is U. S. Vital Statistics System, Major

Activities and Developments, 1950 - 95; (published by U.S. Department of Health
and Human Services). Beginning with the 1939 revision, the birth certificate became
the Standard Certificate of Live Birth, and there have been 11 different subsequent
issues of this document. The National Office of Vital Statistics had its beginnings in
1935 when the Division of Vital Statistics, then in the Bureau of the Census, was
i
mandated to promote a cooperative system of vital statistics and vital records. From
the earliest days of their existence, the American Bar Association and American
Medical Association provided strong support for establishing offices to collect vital
statistics. From page 47 of the book :

“ From this time [1836] forward , the course of registration and vital statistics was to
be recognized as basic to the development of public health organization and practice.
Part of the motivation of the act was to improve vital records as legal documents ‘for
the security of property...’” (Underline emphasis added)

Vital records are legal documents for the security of your private property: your true
—
name and TRADE NAME(S) whatever name appears on the documents.

The source of the following information is the Model State Vital Statistics Act and
Regulations, 1992 Revision (U. S. Department of Health and Human Services). Live
birth is defined as follows:

“Live birth means the complete expulsion or extraction from its mother of a product
of human conception, irrespective of the duration of the pregnancy, which after such
expulsion or extraction , breathes or shows any other evidence of life, such as beating
of the heart, pulsation of the umbilical cord, or definite movement of voluntary
muscles, whether or not the umbilical cord has been cut or the placenta is attached.
Heartbeats are to be distinguished from transient cardiac contractions; respirations are
to be distinguished from fleeting respiratory efforts or gasps .” (Underline emphasis
added)

The National Office of Vital Statistics was established in the Public Health Service in
1946, with the head of the office reporting directly to the Surgeon General, a military
commander. This means that collection, maintenance, and dissemination of all vital
statistical information are in the hands of the military, as dictated over by the
commander-in-chief.

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 Section 24 of the Act, “Copies from the System of Vital Statistics,” contains this most
revelatory passage:

‘"(a) The State Registrar [and other custodians of vital records authorized by the State
Registrar to issue certified copies] shall, upon receipt of an application, issue a
certified copy of a vital record in his or her custody or a part thereof to the
registrant, his or her spouse, children, parents, or guardian, or their respective
authorized representative. Others may be authorized to obtain certified copies when
they demonstrate that the record is needed for the determination or protection of his
or her personal or property right . The State Agency may adopt regulations to
further define those who may obtain copies of vital records filed under this Act.”
Underline and bold emphasis added )

Per the Act, all State Registrars are merely custodians of property, and look after
your personal property, i.e. the true name and TRADE NAME(S). You are the
rightful owner of that property. The so-called " custodian” can be lawfully
commanded by the rightful owner (you) not to give out the property to anyone else.
Such an order would put a permanent roadblock In the path of any who would use
the name to make money at any level of government. That property could not be
—
touched by anyone other than the State Registrar and you and you might even be
able to demand surrender of custodianship of the property , and receive it. Note also
that the Act uses the non-judicial (common law) term, “authorized representative,"
instead of a statutory term.

The American Association of Motor Vehicle Administrators, the American Bar

Association, and the National Conference of Commissioners on Uniform State Laws
received acknowledgment from the U.S. Department of Health and Human Services
for their input in the revision of the Act. (End of data from Model State Vital Statistics
Act and Regulations)

Per the definition of “birth” above, the document references both the newborn baby
and the straw man/TRADE NAME. A certified birth certificate may usually be
obtained at county/state level, depending on the state in question. Your birth
certificate is one kind of security instrument in which your property is reposed. The
first known evidence of government placing a dollar-value on people (“per head”) is
contained in the draft of proposed legislation (which is supposed to originate within
the Legislative Branch at the House of Representatives) from President Abraham
Lincoln on July 14, 1862, contained on page 3285 of Messages and Papers of the
Presidents:
L
-
‘ Fellow Citizens of the Senate and House of representatives:
“ Herewith is a draft of a bill to compensate any State which may abolish slavery within its
limits, the passage of which substantially as presented I respectfully and earnestly recommend,
“ ABRAHAM LINCOLN .

“ Be it enacted by the Senate and House of Representatives of the United States of America in
Congress assembled, That whenever the President of the United States shall be satisfied that any
State shall have lawfully abolished slavery within and throughout such State, either immediately
or gradually , it shall be the duty of the President , assisted by the Secretary of the Treasury, to
prepare and deliver to such State an amount of 6 percent interest bearing-bonds of the United
States equal to the aggregate value at 5- per head of all the slaves within such State as

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 reported by the census of the year 1860; the whole amount for any one State to be delivered at
once if the abolishment be immediate, or in equal annual installments if it be gradual, interest to
begin running on each bond at the time of its delivery and not before .
“ And be it further enacted, That if any State, having received any such bonds , shall at any time
afterwards by law reintroduce or tolerate slavery within it limits contrary to the act of abolishment
upon which such bonds shall have been received, said bonds received by said State shall at once
be null and void , in whosever hands they may be , and such State shall refund to the United States
all interest which may have been paid on such bonds .” ( Underline and bold emphasis added)

A man in Santa Barbara , California who obtained his original birth record/document
from the Department of Commerce some years ago via a Freedom of Information
Act request reported indorsements of 17 different foreign countries on the document.
There may also be other types of birth documents used by the U.S . Government,
and others , to obtain loans of credit.

BIRTH RECORD. Official statistical data concerning dates and places of persons’ birth , as
well as parentage, kept by local government officials. Black ' s 1st . See Note , birth
certificate .
Note: Under “birth certificate” the definition references “one 's birth," and under
“birth record" the definition references a “ persons' birth.” “One” means flesh-and-
blood man/woman; “person” means artificial entity/juristic person. See individual.

BLANK. See blank indorsement, in blank.

BLANK INDORSEMENT. The indorsement of a bill of exchange or promissory note , by

merely writing the name of the indorser *, without mentioning any person to whom the bill or
note is to be paid ; called "blank” because a blank or space is left over it for the name of the
insertion of the indorsee**, or of any subsequent holder. Otherwise called an indorsement
“in blank . ” Black’s 1 st .

* INDORSER . He who indorses; i.e. being the payee or holder, writes his name on
t
the back of a bill of exchange, etc. Black ' s 13 .
** INDORSEE . The person to whom a bill of exchange , promissory note , bill of stlading,
etc. is assigned by indorsement, giving him a right to sue thereon. Black ' s 1 .

BONA FIDE PURCHASER. A “bona fide purchaser” is a purchaser for value in good faith
and without notice of any adverse claim who takes delivery of a security in bearer form or of
one in registered form issued to him or indorsed to him or in blank . UCC 8-302. One who
has purchased property for value without any notice of any defects in the title of the seller.
Black’s 6th. “One who pays a valuable consideration, has no noticefdof outstanding rights of
others and acts in good faith concerning the purchase . ” Barron’s 3 . See Note.
Note: When you consummate the Redemption process you are a bona fide
purchaser of your birth certificate and TRADE NAME.

BOND. A certificate or evidence of a debt on which the issuing company or governmental

body promises to pay the bondholders a specified amount of interest for a specified length
of time , and to repay the loan on the expiration date. A long term debt instrument that
promises to pay the lender a series of periodic interest payments in addition to returning the
principal at maturity . In every case a bond represents debt—its holder is a creditor of the

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107
 corporation and not a part owner as is the shareholder ... . Black’s 6th. See Note, birth
certificate , industrial bond.

Note : The birth certificate is the bond instrument employed by the government to
secure loans.

.
BOOTY The capture of personal property by a public enemy on land , in contradistinction to
prize, which is a capture of such property at sea . After booty has been in complete
possession of the enemy for twenty-four hours, it becomes absolutely his, without any right
of postliminy * in favor of the original owner, particularly when it has passed bona fide into
.
the hands of a neutral; . . The right to booty belongs to the sovereign; but sometimes the
right of the sovereign, or of the public, is transferred to the soldiers , to encourage them.. , ,
Bouvier’s 8m See Note, vice-admiralty courts , prize, prize law.

(POSTLIMINY ) POSTLIMINIUM. A fiction of the civil law, by which persons or things

taken by the enemy were restored to their former status on coming again under the
power of the nation to which they formerly belonged.... Bouvier’s 8 .

Note: Literally and legally , property taken from you by the IRS or the courts is
booty . IRS “soldiers” are “encouraged” to capture booty by offering them rights in
the booty they capture. It is believed the agent on a particular case takes the
taxpayer’s first six payments , in toto (and a significant percentage of any lump-sum
settlement proceeds). It is believed that one-third of the booty captured in a
maritime vice-admiralty court (e g. traffic court) by the judge ends up in the judge’s
personal retirement fund. This would also explain the dramatic increase in the
application of “forfeiture laws” and “seizure laws" in America over the last decade.

CAPACITY. Legal capacity is the attribute of a person who can acquire new rights, or
transfer rights, or assume duties according to the mere dictates of his own will, as
manifested in juristic acts, without any restraint or hindrance arising from his status or legal
condition. Ability; qualification; legal power or right. Applied in this sense to the attribute of
persons (natural or artificial) growing out of their status or juristic condition, which enables
them to perform civil acts; as capacity to hold lands , capacity to devise , etc. Black’s 15t .

CAPITAL (LETTER), adj . (of letters) of the large size used at the beginning of a sentence or
as the first letter of a proper name.” ACED.

Note: Names written in all-capital letters are artificially constructed names of

artificial persons. See all-capital letters-written, proper .

CASH PROCEEDS . “ Cash proceeds” means proceeds that are money, checks, deposit
accounts, or the like. UCC 9-102(a)(9) .

CENSUS . The official counting or enumeration of the people of a state or nation, with
statistics of wealth, commerce, education, etc. In Roman Law. A numbering or enrollment
of the people with a valuation of their fortunes. Black ’s 1st. See Note, census regalis , tax ,
taxpayer. See Note.

Note: The first definition (modern) above does not preclude the second (ancient).
Please also note that the UCC filing offices operate in the private realm, and that

Glossary Page 16 of 99 Rev. 02 /15/2002

108
 filings therein are not contingent upon the provision of identifying serial numbers,
such as Social Security Account Numbers.

CENSUS REGALIS. The royal property (or revenue). Bouvier's 8m.

CERTIFICATE .
A document in which a fact is formally attested. Black’s 7th. A written
assurance, or official representation, that some act has or has not been done, or some
event occurred, or some legal formality complied with. Black ’s 1st.

.
CERTIFICATE OF TITLE “Certificate of title” means a certificate of title with respect to
which a statute provides for the security interest in question to be indicated on the certificate
as a condition or result of the security interest’s obtaining priority over the rights of a lien
creditor with respect to the collateral. UCC 9-102(a)(10).

.
CERTIFIED CHECK See acceptance of draft.

CESTUI, CESTUY. He. Used frequently in composition in law French phrases. Black’s 15t,
CESTUI QUE TRUST (set-ee [ or ses-twee] kee [ or kj trst). [Law French] One who
,

possesses equitable rights in property and receives the rents, issues , and profits from it;
th
BENEFICIARY .. .. Black’s 7 . He who has a right to a beneficial interest in and out of an
estate the legal title to which is vested in another. The person who possesses the equitable
right to property and receives the rents, issues, and profits thereof, the legal estate of which
is vested in a trustee. Black's 1st. See cestui , cestui que use , Note.

Note: “ Cestui que trust ' is French for, literally, “he that trusts .” This particular
species of trust is known as a “constructive trust” and is constructed by operation of
law (fiat55). Such a trust is really only the appearance of a trust, i.e. it only looks as
if it is a trust, but has no creator/trustor/grantor/settlor, the flesh-and-blood party
normally responsible for bringing a trust into existence. Per Corpus Juris Secundum
every government is a constructive trust, concerning which, Black’s 5th states: “A
trust raised by construction of iaw , or arising by operation of law , as distinguished by
an express trust.. .. Constructive trusts do not arise by agreement or from intention,
but by operation of law and [and, not or ] fraud, active or constructive....”

The U.S. Government creates by operation of its "law,” the colorable " cestui que
trust’ and is, as the creator, or “constructer,” of the trust, the (non-flesh-and-blood)
owner thereof. Every corporate entity , such as your straw-man TRADE NAME, has
two diametrically opposite kinds of status concerning this trust. Every “citizen of the
United States,” is simultaneously a co-trustee and co-beneficiary by operation of law.
As co-trustee, your straw man has duties and obligations, such as paying taxes,
obeying laws, and obtaining a license for almost every normal activity of life. As co-
beneficiary, your juristic-person straw man is has benefits, privileges, and
opportunities, such as welfare , protection of the state, free delivery of mail, and use
of the courts, etc .

In court the judge acts as executor/ administrator of the trust , managing the estates
of the people who function as “persons" through the all-capital-letters juristic TRADE
55
Fiat: [L. let it be done ] A positive and authoritative command that something be done; an order or decree;
authorization . F& W.

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109
 NAMES existing as fictitious entities under limited liability. Through a court
proceeding, the judge decides which corporate debtor entity owes which other
corporate creditor entity what money/specific performance, thereby constructing the
terms of the constructive trust on the spot. The straw man is a non-living—and
—
therefore “dead” entity and, as a "citizen of the United States,” based on the 1933
U.S. bankruptcy, also “civilly dead in the taw,” i.e. no standing in law/insolvent. Such
persons are thereby completely foreclosed from accessing substance, law , and
sovereignty , and can possess only government-granted, limited-liability privileges
{ e. g. a “driving privilege”).

CESTUI QUE USE. The person for whose use and benefit property is being held by another,
who holds legal title to the property. Black’s 7th. He for whose use and benefit lands and
tenements are held by another. The cestui que use has the right to receive the profits and
benefits of the estate, but the legal title and possession (as well as the duty of defending the
same) reside in another. Black’s 1st. See cestui que trust .

CFR. See Code of Federal Regulations.

CHAPTER 11 REORGANIZATION. In addition to voluntary and involuntary proceedings in

which a debtor is adjudged bankrupt , under Chapter 11 a debtor is permitted to postpone
atl payments on debts so that he can reorganize his business. While other bankruptcy
proceedings seek to have the debtor’s assets sold and to have aii the creditors paid to the
extent possible, Chapter 11 seeks to give the debtor a breathing spell with the hope that his
fd
business will recover and all his creditors will be fully repaid. Barron’s 3 . “Mr. Speaker.
We are now here in Chapter 11 . Members of Congress are official trustees presiding over
the greatest reorganization in world history, the U.S. Government." James A. Traficant Jr.,
Congressional Record, March 17, 1993, Vol. 33. See Note, bankruptcy.
Note: The US Government , a/k/a “United States, Inc.,’’ a/k/a "Washington, DC ,” is
legally bankrupt and in Chapter 11 Reorganization. The Secretary of the Treasury
is the receiver in bankruptcy (Reorganization Plan No. 26 (1950), 5 U.S.C.A. 903,
Public Law 94-564, Legislative History, page 5967) and runs the corporation on
behalf of the creditor , the Federal Reserve. See also United States.

CHARGE. [< OF charg( i)e(r ) < LL carricare to load a wagon] v. To impose a burden,
obligation, or lien; to create a claim against property; to claim, to demand; to instruct a jury
on matters of law. n . In general. An incumbrance, lien , or burden; an obligation, or duty; a
liability ; an accusation. In contracts. An obligation, binding upon him who enters into it,
st
which may be removed or taken away by a discharge. Black’s 1 .

.
CHARGE BACK The action of a bank in debiting or otherwise revoking a credit given to a
customer’s account, which credit usually has been given for a check deposited in the
-
account . See Note, charge back.

CHARGE-BACK .
...(a) A collecting bank has a security interest in an item and any
accompanying documents or the proceeds of either: ... (2) In case of an item for which it has
given credit available for withdrawal as of right , to the extent of the credit given, whether or
-
not the credit is drawn upon or there is a right of * * * charge back. UCC 4-210(a)(2)

Page 18 of 99 Glossary
110 Rev. 02/15/2002
CHATTEL. An article of personal property ; any species of property not amounting to a
.
freehold or fee in land. .. The term “chattels” is a more comprehensive one than “goods,"
as it includes animate as well as inanimate property. Black’s 1st.

CHATTEL MORTGAGE .
An absolute pledge, to become an absolute interest if not
redeemed at a fixed time. Bouvier’s 8th.

CHATTEL PAPER . “Chattel paper” means a record or records that evidence both a
monetary obligation and a security interest in specific goods, a security interest in specific
goods and software used in the goods, a security interest in specific goods and license of
software used in the goods, a lease of specific goods, or a lease of specific goods and
license of software used in the goods. In this paragraph “monetary obligation" means a
monetary obligation secured by the goods or owed under a lease of the goods and includes
a monetary obligation with respect to software used in the goods. The term does not
include (i) charters or other contracts involving the use or hire of a vessel or fib records that
evidence a right to payment arising out of the use of a credit or charge card or information
contained on or for use with the card. If a transaction is evidenced by records that include
an instrument or series of instruments, the group of records taken together constitutes
chattel paper. UCC 9-102(a)(11) .

CITIZEN. In American Law. One of the sovereign people. A constituent member of the
.
sovereignty, synonymous with the people Scott v . Sandford 19 How. (U.S.) 404 , 15 L . Ed.
691. Bouvier’s 8 ^. “Citizens” are members of a political community who, in their
associated capacity , have established or submitted themselves to the dominion of a
government for the promotion of their general welfare and the protection of their individual
th
as well a collective rights. Black’s 6 .

CIVIL LAW. That body of law which every particular nation , commonwealth, or city has
established peculiarly for itself; more properly called “municipal” law , to distinguish it from
the "law of nature,” and from international law. . . The system of jurisprudence held and
administered in the Roman Empire, particularly as set fort in the compilation of Justinian
—
and his successors comprising the Institutes, Code, Digest, and Novels, and collectively
—
denominated the “ Corpus Juris Civilis " as distinguished from the common law of England
and canon law . Black ' s 6th. See municipal , citizen. Compare common law.

CLAIM. A challenge of property or ownership of a thing which is wrongfully withheld; to

demand as one's own; to assert. A right or title. Black’s 4 . See Note.

Note; A claim is a dispute over title, most fundamentally , concerning “who holds the
legal title to your TRADE NAME.” The holder of legal title to your TRADE NAME is
the master and creditor; your straw man is the slave and debtor. We must reclaim
and reunite right and title to our straw man in order to dissolve the bonds of
indentured servitude. The “subject/citizen” is the straw man; you are the sovereign.
Per the UCC, acquiring rights evidences value. You acquired rights to title of your
straw man at the moment of his birth. See value, droit-droit.

CLEARFIELD TRUST DOCTRINE .

Governments descend to the level of a mere private
corporation, and take on the characteristics of a mere private citizen... Where private
corporate commercial paper [Federal Reserve Notes] and securities [checks] is
concerned... For purposes of suit, such corporations and individuals are regarded as

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111
 entities entirely separate from government. Clearfield Trust Co. v . United States. 318 U.S,
363-371 (1942).

* STARE DECISIS n. [Latin “to stand by things decided’’] The doctrine of precedent,
, . -

under which it is necessary for a court to follow earlier judicial decisions when the
same points arise again in litigation. Black ’s 7tfl.

CLIENT. A client is one who applies to a lawyer or counselor for advice and direction in a
question of law , or commits his cause to his management in presenting a claim or defending
against a suit in a court of justice; one who retains the attorney , is responsible to him for his
fees, and to whom the attorney is responsible for the management of the suit; one who
communicates facts to an attorney expecting professional advice. Clients are also called
" wards of the court’’ in regard to their relationship with their attorneys. Corpus Juris
Secundum , 1980, Section 4. See Note, attorney & client.

Note: Clients are "wards of the court ,” i. e. "infants and persons of unsound mind,”
The Scarecrow/Straw Man in “The Wizard of Oz” was a “person of unsound mind."
See wards of court, Attorney & Client , Wizard of Oz, The.

.
CODE A system used for brevity or secrecy of communication, in which arbitrarily chosen
words, letters, or symbols are assigned definite meanings. Webster’s. A collection,
compendium or revision of laws. A complete system of positive law, scientifically arranged
and promulgated by legislative authority. Black’s 4th. See Note.

Note: All “law” today is code , and as such must be deciphered/decoded .

CODE OF FEDERAL REGULATIONS. The annual of executive-agency regulations published
in the daily Federal Register, combined with previously issued regulations that are still in
—
effect . Abbr. CFR . Black’s 7th.

CODE OF HAMMURABI. The oldest known written legal code , produced in Mesopotamia
during the rule of Hammurabi (who reigned from 1792 to 1750 B.C.). Black’s 7th. (A king
of Babylonia who expanded his kingdom into the first great Babylonian empire. He also
established one of the earliest written collections of laws.).. . Hammurabi based his code of
laws on older collections of Sumerian and Akkadian laws, which he revised and expanded.
One principle of the Code of Hammurabi is that “the strong shall not oppress the weak.”
The code begins with a prologue introduction celebrating Hammurabi’s military victories.
He promises to treat conquered peoples justly and says he honors their gods The .
provisions of the code cover many legal matters, including false accusation. Witchcraft,
military service, land and business regulations, family laws, tariffs, wages, trades, loans,
and debts ,... The World Book Encyclopedia, 2000 .
COLLATERAL. “Collateral" means the property subject to a security interest or agricultural
lien. The term includes all of the following: (A) Proceeds to which a security interest
attaches. (B) Accounts, chattel paper, payment intangibles, and promissory notes that have
been sold. (C) Goods that are the subject of a consignment . UCC 9-102(a)(12). Anything
that is used to guarantee the payment of a loan or the fulfillment of some other obligation.
WSUG, See Note.

Note: The property “subject to a security interest,” the collateral , is your TRADE
NAME and, by implication, your body, labor , and property . Your birth certificate is
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 chattel paper (a security). “Accounts” does not exclude Social Security Account
Numbers (SSANs). The US government has a legal security interest in both your
TRADE NAME and its SSAN.
COLOR. Semblance; disguise. Color is often used to designate the hiding of a set of facts
behind a sham, taking advantage of the confidence but technically proper, legal theory or
legal right. Barron’s 3rd. See color of law.

COLOR OF LAW. The appearance or semblance, without the substance, of legal right.
Misuse of power, possessed by virtue of state law and made possible only because
wrongdoer is clothed with authority of state, is action taken under “color of law.” Black’s

COLORABLE. That which is in appearance only, and not in reality, what it purports to be,
hence counterfeit, feigned, having the appearance of truth. Black’s 5th. In the law of
trademarks, this phrase denotes such a close or ingenious imitation as to be calculated to
deceive ordinary persons. Black’s 5th. See Note:

Note: Colorable ~ phony.

COMMERCE. [< MF < L commerc(ium ) , equivalent to commerc( ari) (to) trade together (com-
+ mercari , derivative of mere- , singular of merx goods + -ium noun suffix)] The exchange of
goods, productions, or property of any kind; the buying, selling, and exchanging of articles.
The transportation of persons or property by land, water and air. The various agreements
which have for their object facilitating the exchange of the products of the earth or the
industry of man, with an intent to realize a profit Black’s 1st. An interchange of goods or
commodities, esp. on a large scale between different countries (foreign commerce) , or
between different parts of the same country (domestic commerce), sexual intercourse.
Webster’s. Commerce is a term of the largest import. It comprehends intercourse for the
purposes of trade in any and all its forms, including the transportation, purchase, sale and
exchange of commodities between the citizens of our country or the citizens or subjects of
other countries, and between the citizens of different states. The power to regulate it
embraces all the instruments by which such commerce may be conducted. Black’s 1st.
The exchange of goods, productions, or property of any kind; the buying, selling, and
exchanging of articles.... Intercourse by way of trade and traffic between different peoples
or states...including not only the purchase, sale, and exchange of commodities, but also the
instrumentalities and agencies by which it is promoted and the means and appliances by
which it is carried on, and transportation of persons as well as of goods, both by land and
sea.... Also interchange of ideas, sentiments, etc ., as between man and man.” Black’s 5 h.
,
See Note, Maxims of Commerce.

Note: Commerce in everyday life is the vehicle or glue (bond, tissue) that holds, or
binds, the corporate body politic (society as a whole) together. Per Title 27 United
States Code, “USC ,” § 72.11 , all crime is classified as commercial in nature (this is
admiralty jurisdiction). See UCC definition of defendant in this Glossary , and the
item entitled “Prisoners, Prisons, and Courts,” as well as the above-mentioned 27
USC 72.11 under “Crime is Commerce” in Appendix for examples of this.

More specifically, commerce consists of a mode of interacting, doing business,

resolving disputes, etc. whereby all matters are executed under oath, certified on
each party’s commercial liability by sworn affidavit, or what is intended to possess

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113
 the same effect, as true, correct, and complete, not misleading, the truth, the whole
truth, and nothing but the truth. This affidavit format is usually required in written
matters such as an IRS Form 1040, an application form for a Driver’s License, Voter
Registration, a Treasury Direct Account, a Notary’s "Copy Certification by Document
Custodian” form, and on nearly every single document upon which those in the
System desire others to be bound/obligated. Such means of signing is a sworn oath,
i.e. affidavit, executed under penalty of perjury “true, correct, and complete,”
whereas in a court setting, testimony (oral affidavit) is stated in judicial terms by
being sworn to be “the truth , the whole truth , and nothing but the truth , so help me
God.” In addition to asserting alt matters under solemn oath of personal,
commercial, financial, and legal liability for the validity of each and every statement,
the participant must provide material evidence , i. e. ledgering/bookkeeping, proving
the truth , validity, relevance , and verifiability of each and every particular assertion to
sustain credibility. In society, commerce comes before, and is more essential than,
a legal system, and can exist independently of and function without need of legal
systems. Commercial Law, the non-statutory variety as presented in maxims 1-10
under Maxims of Commercial Law, is the economic extension of natural law into
man's social world, and is universal in nature. See Maxims of Commercial Law:

COMMERCIAL LAW, A phrase used to designate the whole body of substantive

jurisprudence (e.gr. Uniform Commercial Code, Truth in Lending Act) applicable to the
rights, intercourse, of persons engaged in commerce , trade or mercantile pursuits. Black’s
6 . See Note, Commerce, Maxims of Commercial Law .

Note: Commercial Law is the economic extension of natural law into man's social
world and deals with the fundamental principles of human interaction concerning
proof of claim (dispute over title) and resolution of disputes. The fundamental
purpose of Commercial Law is “to maintain the commercial harmony, integrity , and
continuity of society,” sometimes also stated as “to maintain the peace and dignity of
the State.” Over the millennia these principles have been discovered through
experience and distilled and codified into ten (10) fundamental maxims. There is no
legal issue or dispute possible which is not a function of one or more of these
principles. The ten maxims underlying commerce and all Commercial Law ,
including the UCC, are listed above under commerce. The UCC is a particular
codification of Commercial Law , oriented towards the contemporary legal, financial,
monetary, and banking systems . The entirety of world commerce now functions in
accordance with the UCC -version of Commercial Law ,

COMMERCIAL TORT CLAIM. “Commercial tort claim" means a claim arising in tort with
respect to which either of the following conditions is satisfied: (A) The claimant is an
organization. (B) The claimant is an individual and both of the following conditions are
satisfied regarding the claim: (i) It arose in the course of the claimant’s business or
profession, (ii) It does not include damages arising out of persona! injury to or the death of
an individual. UCC 9-102( a)(13).

COMMON LAW. The common law is that which derives its force and authority from the
universal consent and immemorial practice of the people. It has never received the
sanction of the legislature, by an express act, wbich is the criterion by which it is
distinguished from the statute law . It has never been reduced to writing; by this expression,
however, it is not meant that all those laws are at present merely oral, or communicated
from former ages to the present solely by word of mouth, but that the evidence of our
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common law is contained in our books of Reports, and depends on the general practice
and judicial adjudications of our courts. 2. The common law is derived from two sources,
the common law of England, and the practice and decision of our own courts. In some
states the English common law has been adopted by statute. There is no general rule to
ascertain what part of the English common law is valid and binding. To run the line of
distinction is a subject of embarrassment to courts, and the want of it a great perplexity to
the student. It may, however, be observed generally, that it is binding where it has not been
superseded by the constitution of the United States, or of the several states, or by their
legislative enactments, or varied by custom, and where it is founded in reason and
consonant to the genius and manners of the people. 3. The phrase "common law" occurs
in the seventh article of the amendments of the constitution of the United States. In suits at
common law , where the value in controversy shall not exceed twenty dollars says that
article, "the right of trial by jury shall be preserved.” The "common law" here mentioned is
the common law of England, and not of any particular state. The term is used in
contradistinction to equity, admiralty, and maritime law. 4. The common law of England is
not in all respects to be taken as that of the United States, or of the several states; its
general principles are adopted only so far as they are applicable to our situation. Bouvier’s
6th. See Note.

Note: System of jurisprudence that originated in England and was later applied in
United States and the several States, originally based on the procedures developed
by free, sovereign, allodial landowners to resolve disputes over land, such as
borders and ownership. After the Norman Conquest of 1066, “common law" came
to be based on judicial precedent (court decisions) that was increasingly absorbed
into the Crown. By such means, what is called “common law" in name became
increasingly Roman civil law. True common law is completely independent of all
governmental involvement. All governments are variants of Roman civil law , the law
of kings, princes, and rulers. Nevertheless, common law remained based on
transmitted, established principles rather than legislative enactment (statutes,
statutory law , codes). Great care should be used concerning the precise manner in
which the term, “common law ," is defined, understood, and used. One should
.
ascertain the implication of the words, e g. “what law is common where and to
what?” Traditionally, in the absence of statutory law regarding a particular subject,
the judge-made rules of common law are the laws on that subject. Thus the
traditional phrase “at law" refers to the state of the law in a particular field prior to the
enactment of legislation in that field. Compare statute, Roman Civil Law.

COMMUNICATE. “Communicate” means to do any of the following: (A) To send a written or

other tangible record. (B) To transmit a record by any means agreed upon by the persons
sending and receiving the record. (C) In the case of transmission of a record to or by a filing
office, to transmit a record by any means prescribed by filing-office rule. UCC 9-102(a)(18).

COMPLAINT. In civil practice. In those states having a Code of Civil Procedure, the
complaint is the first or iniatiatory pleading on the part of the plaintiff in a civil action. It
corresponds to the declaration in the common-law practice.... In criminal law. A charge,
preferred before a magistrate having jurisdiction, that a person named (or an unknown
person) has committed a specified offense, with an offer to prove the fact, to the end that a
prosecution may be instituted. It is a technical term, descriptive of proceedings before a
magistrate.... The complaint is an allegation, made before a proper magistrate, that a
person has been guilty of a designated public offense.... Black’s 1st.

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 —
Note: A private man cannot commit a public offense only a public man (straw-man
TRADE NAME) can commit a public offense.

CONFERENCE OF GOVERNORS, MARCH 6, 1933. See Note.

Note: Accommodation of the Federal Bankruptcy, whereby the Governors of the 48

several states of the Union pledged their faith and credit to the aid of the National
Government, and thereafter formed numerous socialist programs such as the
“Council of State Governments,” Social Security Administration, etc. , purportedly to
deal with the economic “Emergency.” They operated under the “Declaration of
Interdependence” of January 22, 1937 and published some of their activities in the
“Book of the States,” Vol. II, page 144. See “in this state.”

CONSTITUTOR. In Civil Law. He who promised by a simple pact to pay the debt of another;
and this is always a principal obligation. Inst. 4, 6, 9. Bouvier’s 8th. In the civil law. One
who, by a simple agreement, becomes responsible for the payment of another’s debt .
Black's 1st. [Latin an orderer, arranger] Roman law . A person who, by agreement, becomes
responsible for the payment of another’s debt. Black’s 7th.

Note: When you sign a traffic ticket you become the constitutor for the debt created
by the policeman (see Senate Document 43, 73RD Congress 1 ST Session and
House Joint Resolution 192 of June 5, 1933 for clarification of why this is so) .
Money is brought into existence by borrowing. The cop creates the new money by
issuing a charge in his name (he signs the ticket first). His intent is to transfer the
debt to you as constitutor. If you adopt the role of “Authorized Representative" or
“Agent” you incur no liability for signing—because you are not signing as a principal.
Signing the ticket “By Order of: [NAME OF COP], JOHN HENRY DOE®, by <hU
'Zttvuf. ZW®, Auth. Rep” [or Agent]” leaves you without responsibility for payment/
performance, as you are not a constitutor. See “How to Sign Your Signature Without
Liability” on page 315 in Section 10, for further explanation

CONSTRUCTIVE. That which is established by the mind of the law in its act of construing
facts, conduct, circumstances, or instruments; that which has not the character assigned to
it in its own essential nature but acquires such character in consequence of the way in
which it is regarded by a rule or policy of law; hence, inferred, implied, made out by legal
—
interpretation ; the word “legal” being used sometimes in lieu of “constructive.” Black's
4th. See Note.

Note: Corpus Juris Secundum defines a government as a “constructive trust.”

Black’s 5th defines “constructive trust” as a mixture of “law and fraud." Today all
“courts” are private commercial tribunals collecting from the “assets,” i.e. every
"citizen of the United States,” in the Chapter 11 Reorganization in bankruptcy of the
US. As such, every court today is a court of general equity wherein the judge can
“pick and choose” from any body of law on earth in forming his decision, with the
final basis of decision-making being the “conscience of the court” (meaning whatever
the judge feels). All such courts are corporate contract courts, dealing with fictitious
entities and contracts between them. The straw man of each disputant, or party to
the controversy, is within the bankruptcy and the corporate US, which is a "public
trust” under the 14th Amendment. Such an arrangement has only two parties: co-
trustee and co-beneficiary. A public trust has no creator/trustor/grantor/settlor as
with an express trust (which involves three parties, not two , as with a public trust). In
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 sifting, sorting, and selecting from the law and facts of a case, a judge forms a
“constructive trust" in which the judge "constructs” the terms of the particular trust
contract emerging out of the dispute. A "trustee” of a public trust has duties and
obligations; a “beneficiary” receives or derives benefits from the trust. Every straw-
man TRADE NAME today has duties as a co-trustee, along with privileges as a co-
beneficiary, of the public trust. Consequently, in every court case today the judge is
“constructing” the terms of the “constructive trust" to decide which straw man
owes the other straw man what recompense/specific performance.

CONSUMER GOODS. “Consumer goods” means goods that are used or bought for use
primarily for personal, family, or household purposes. UCC 9-102(a)(23). See Note.

Note: Per this definition, an automobile used primarily for personal, family, or
household purposes qualifies as consumer goods .

CONSUMER TRANSACTION. “Consumer transaction” means a transaction in which (i) an

individual incurs an obligation primarily for personal, family, or household purposes, (ii) a
security interest secures the obligation, and (iii) the collateral is held or acquired primarily
for personal, family , or household purposes. The term includes consumer-goods
transactions. UCC 9-102(a)(26). “Assignments of commercial deposit accounts are
governed by Revised Article 9, although assignments of deposit accounts in consumer
transactions remain excluded, notes Penelope Christophorou of Cleary , Gottlieb, Steen &
Hamilton in New York City . 'The definition of ‘consumer transaction’ in Revised Article 9
does not include a monetary component,’ she says, and as a result, ‘Certain pledges of
deposit accounts by high net-worth individuals in transactions entered into for personal,
family , or household purposes would be excluded from Revised Article 9’s coverage,
notwithstanding the size of the financing.’” William C. Smith, ABA (American Bar
Association) Journal, August 2001, page 54. See Note.
Note; Assignment of deposit (checking, savings, passbook, time) accounts in
transactions entered into primarily for personal, family, or household purposes are
not addressed in Revised Article 9.

CONTRACT. An agreement between two or more persons which creates an obligation to do

or not to do a particular thing. Its essentials are competent parties, subject matter, a legal
consideration , mutuality of agreement, and mutuality of obligation. Black’s 5th.

Note: All contracts , whether express or implied, are subject to the universal
essentials of contract law, pertaining to the fundamentals of the interaction between
the parties. These fundamentals are well codified in many places, e.g . the California
Civil Code, Sections 1549 et seq.;
§ 1549. Contract, what
A contract is an agreement to do or not to do a certain thing.

§ 1550. Essential elements of contract

It is essential to the existence of a contract that there should be:
1. Parties capable of contracting;
2. Their consent;
3. Lawful object; and,
4. A sufficient cause or consideration.

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 § 1556. Who may contract
All persons are capable of contracting, except minors, persons of
unsound mind, and persons deprived of civil rights.

§ 1565. Essentials of consent

The consent of the parties to a contract must be:
1. Free;
2. Mutual; and,
3. Communicated by each to the other.

§ 1567. An apparent consent is not real or free when obtained through:

1. Duress;
2. Menace;
3. Fraud;
4. Undue influence; or
5. Mistake.

§ 1598. When contract wholly void

Where a contract has but a single object, and such object is unlawful,
whether in whole or in part, or wholly impossible of performance, or so
vaguely expressed as to be wholly unascertainable , the entire contract is
void.

§ 1608. Effect of its illegality

If any part of single consideration for one or more objects, or of several
considerations for a single object, is unlawful, the entire contract is void.

§ 1620. Express contract, what

An express contract is one, the terms of which are stated in words.

§ 1621. Implied contract, what

An implied contract is one, the existence and terms of which are
manifested by conduct.

§ 1441. Impossible or unlawful conditions void

A condition in a contract , the fulfillment of which is impossible or unlawful,
within the meaning of the article on the object of contracts, or which is
repugnant to the nature of the interest created by the contract, is void.

§ 1636. Contracts, how to be interpreted

A contract must be so interpreted as to give effect to the mutual intention
of the parties as it existed at the time of contracting, so far as the same is
ascertainable and lawful.

§ 1668. Certain contracts unlawful

All contracts which have for their object, directly or indirectly , to exempt
anyone from responsibility for his own fraud, or willful injury to the person
or property of another , or violation of law , whether willful or negligent, are
against the policy of the law.

§ 1709. Fraudulent deceit

One who willfully deceives another with intent to induce him to alter his
position to his injury or risk, is liable for any damage which he thereby
suffers.

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 CONTRIBUTION. Contracts. When two or more persons jointly owe a debt, and one is
compelled to pay the whole of it, the others are bound to indemnify him for the payment of
their shares; this indemnity is called a contribution. Bouvier’s 6 . When one of several
debtors pays a debt, the creditor is bound in conscience, if not by contract, to give to the
party paying the debt all his remedies against the other debtors. Bouvier’s 6th. A right to
contribution exists in the case of debtors who owe a debt jointly which has been collected
from one of them. Bouvier's 8th. The right that gives one of several persons who are liable
on a common debt the ability to recover ratably from each of the others when that one
person discharges the debt for the benefit of all...” Black’s 7th. War contribution. Black's
7 . See war contribution, Ponzi scheme, “The Curse of Co-Suretyship” in Part I of this
^
manual.

CONVEY. [ME convey(en) < AF convie(r) < VL conviare, equiv. to con- CON- + -viare,
deriv. of via way... ] to transfer, as property or title to property, from one person to another.
>
American Heritage Dictionary.

CORPORATION. An artificial person or legal entity created by or under the authority or laws
of a state. An association of persons created by statute as a legal entity. The law treats the
corporation itself as a person that can sue and be sued. The corporation is distinct from
the individuals who comprise it (shareholders). The corporation survives the death of its
investors, as the shares can usually be transferred. Black’s 6th. See corporation
aggregate , corporation sole, public corporation.

CORPORATION AGGREGATE. A corporation aggregate is one composed of a number of

individuals vested with corporate powers; and a "corporation, ” as the word is used in
general popular and legal speech and as defined at the head of this title , means
"corporation aggregate . ” Black’s 6th . Compare corporation sole.

CORPORATION SOLE. A corporation consisting of one person only, and his successors in
some particular station, who is incorporated by law in order to give his successors in office
some legal capacities and advantages, particularly that of perpetuity, which in their natural
persons they could not have had. In this sense the sovereign in England is a sole
corporation, so is a bishop, so are some deans distinct from their several chapters, and so
is every parson and vicar. A corporation sole consists of a single person, who is made a
body corporate and politic, in order to give him some legal capacities and advantages and
especially that of perpetuity; as a bishop, dean, etc. Black’s 1st. Compare corporation
aggregate.

CORRUPTION. An act done with an intent to give some advantage inconsistent with official
duty and the rights of others. The act of an official or fiduciary person who unlawfully and
wrongfully uses his station or character to procure some benefit for himself or for another
person, contrary to duty and the rights of others." Black’s 5th.

CO-SURETIES. Joint sureties; two or more sureties to the same obligation. Black’s 4 .
th

See surety , suretyship.

CO-SURETY. A surety who shares the cost of performing suretyship obligations with
another. Black’s 7th. See surety , suretyship.

CO-SURETYSHIP. See suretyship.

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119
 COVIN. A secret conspiracy or agreement between two or more persons to injure or
defraud another. Black ' s 6m . A secret contrivance between two or more persons to defraud
and prejudice another in his rights . Bouvier 's 8 th.

COVINOUS. Deceitful; fraudulent; having the nature of, or tainted by covin . Black's 6th ” .
CREDIT. The credit of an individual is the trust reposed in him by those who deal with him
that he is of ability to meet his engagements; and he is trusted because through the
tribunals of the country he may be made to pay,... Biack’s 1st. See Note.

Note; “Credit" means belief . It comes from the Latin word credere: beiieve, trust. It
is also inextricably linked with one’s name. If one examines the above abstract from
Black ’s 1st. the inherent fraudulent nature of the current credit system is abundantly
clear: The only reason “trust” is reposed in anyone by the folks at the Federal
Reserve is because an individual " can be made to pa / via “ the tribunals of the
countrya type of transaction requiring no trust, with a built-in insurance policy for
the con. Credit = belief = no substance = Federal Reserve Notes.

CREDITOR. “Creditor” includes a general creditor , a secured creditor , a lien creditor and
any representative of creditors, including an assignee for the benefit of creditors , a trustee
in bankruptcy, a receiver in equity and an executor or administrator of an insolvent debtor’s
- .
or assignor’s estate. UCC 1 201(12) See Note .

Note; Each type of “ representative of creditor” listed above is , in itself, a precise

description of Secretary of the Treasury , who is the official receiver in bankruptcy
over the bankrupt US Government (Reorganization Plan No. 26 (1950), 5 U. S .C.A.
903, Public Law 94-564, Legislative History , page 5967). Such also describes the
underlings of Secretary of the Treasury, one of whom is the Commissioner of
Internal Revenue. In law (the most senior form of codified law on the planet is the
UCC) there are only two kinds of people: Debtors and Creditors. The same is true
in any statutory court. Judges and attorneys are also included in this definition.
“Creditor ,” per the Internal Revenue Code, also means “employer.” See Note at
employer .

DE FACTO. In fact, in deed, actually. This phrase is used to characterize an officer, a

government, a past action, or a state of affairs which must be accepted for ail practical
purposes, but is illegal or illegitimate. Thus , an office, position or status existing under a
claim or color of right such as a de facto corporation. Biack’s 6th. Compare dejure . See
Note, color , color of Jaw.

Note; The US Government is a de facto corporation (bankrupt/insolvent).

DE JURE. [Law Latin “as a matter of law”] Existing by right or according to law . Black's 7 .
th

Descriptive of a condition in which there has been total compliance with all requirements of
law. Of right; legitimate; lawful; by right and just title . In this sense it is the contrary of de
facto. Black’s 6th. Compare de facto .

DEBT. Not defined in the UCC.

.
DEBTOR "Debtor” means any of the following : (A) A person having an interest, other than
a security interest or other lien, in the coilateral, whether or not the person is an obligor. (B)

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A seller of accounts, chattel paper, payment intangibles, or promissory notes. (C) A
consignee. UCC 9-102(a)(28). A person or business that owes money or is otherwise
obligated to another party . WSUG. See Note , location of debtor .

Note: Your straw man fits in (A) above. A debtor is as enslaved as he is obligated.
The Federal Reserve issued credit to the United States government against the (all-
capital-letters) TRADE NAME of your straw man shortly after the birth of the two of
you (see birth) , thus incurring the obligation to repay the credit (Federal Reserve
Notes) that was loaned. However, since the straw man has no body and no means
of repaying anything, the burden becomes yours as the physical recipient of all the
‘‘benefits’’ (transmitting-utility benefits) that have been bestowed upon you
throughout your entire life in exchange for the government’s use of your TRADE
NAME. Your straw man’s all-caps TRADE NAME is referenced above as “your"
name only because it is a piece of property that you own (but legal title is held by
government before Redemption). Your straw man’s TRADE NAME is an artifice
existing only by force of/in contemplation of law and neither references you, nor
identifies you . Your “true name" (see true name), written in accordance with the
rules of English grammar , more closely identifies you, but is still only another piece
of property. See appellation.

DEFAULT. The omission or failure to fulfill a duty, observe a promise, discharge an

obligation , or perform an agreement. In practice . Omission; neglect or failure. When a
defendant in an action at law omits to plead within the time allowed him for that purpose, or
fails to appear on the trial, he is said to make default, and the judgment entered in the
former case is technically called a “judgment by default.” Black’s 1 st. See defaulter ,
defendant.

DEFAULTER. One who makes default. One who misappropriates money held by him in an
st
official or fiduciary character, or fails to account for such money . Black’s 1 .

DEFENDANT. “Defendant" includes a person in the position of defendant in a cross action -

.
or counterclaim UCC 1- 201(13). See action, setoff .

DELIVERY. With respect to instruments, documents of title, chattel paper or certificated

securities means voluntary transfer of possession. UCC 1-201(14); a voluntary transfer of
title or possession from one party to another ; a legally recognized handing-over of one’s
.
possessory rights to another Where actual delivery would be cumbersome or impossible,
the courts will find a constructive delivery sufficient , provided the intention is clearly to
transfer title. Barron's 3rd. See Note, pledge .

Note: Did your mother “ voluntarily" “deliver” you into the warehouse district/county?
Another delivery occurs when the US Government accepts the document of title
(birth certificate) associated with the TRADE NAME/sovereign newborn is pledged/
transferred by written indorsement , receiving in return a birth “certificate” ( i.e. token) /
warehouse receipt/ field warehouse receipt as evidence of said delivery/pledge/
deposit/transfer. The UCC authorizes your mother to do this as your representative
at Section 3-402 .

DENIAL. A traverse in the pleading of one party of an allegation of fact set up by the other;
a defense.... Black’s 4th . See traverse , traverser ,

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121
 DEPOSIT ACCOUNT. “Deposit account” means a demand, time, savings, passbook , or
similar account maintained with a bank . The term does not include investment property or
accounts evidenced by an instrument. UCC 9-102(a)(29).

.
DIGNITY, in English law. An honor; a title, station, or distinction of honor Dignities are a
species of incorporeal hereditaments, in which a person may have a property or estate.
Black’s 1Sv. n. 1. The state of being noble; the state of being dignified. 2. An elevated title
or position. 3. A person holding an elevated title; a dignitary . 4 . A right to hold a title of
nobility , which may be hereditary or for life. Black’s 7th.

Note: An attorney’s English title of nobility comes from his/her “dignity . ”

DISCHARGE. The opposite of charge; hence to release; liberate; annul; unburden;

disincumber. In the law of contracts . To cancel or unloose the obligation of a contract; to
make an agreement or contract null and inoperative. Discharge is a generic term; its
principal species are rescission, retease, accord and satisfaction, performance, judgment,
composition , bankruptcy , merger ... Black’s 1st. To satisfy or dismiss the obligations of
contract or debt; the method by which a iegai duty is extinguished. BDLT, 1983. See Note.

Note: Because of the bankruptcy of the US Government, as memorialized in House

Joint Resolution 192 of June 5, 1933 (HJR-192), it is no longer possible to pay
off/extinguish debts. We used to be able to pay debts using specie (gold and si ver
coin) , but that was declared against public policy in HJR-192. Now we can only
“discharge” debts by passing debt paper (Federal Reserve Notes) as “legal tender.”

DISHONOR. A term applied to the non fulfillment of commercial engagements. To

-
dishonor a bill of exchange or promissory note, is to refuse or neglect to pay it at maturity.
Bouvier's 8th. In mercantile law and usage. To refuse or decline to accept a bill of
exchange, or to refuse or neglect to pay a bill or note at maturity. A negotiable instrument is
dishonored when it is either not paid or not accepted, according to its tenor*, on
presentment for that purpose, or without presentment, where that is excused. Civil Code
Cal. § 3141. Black ’s 1st.

* TENOR. By the tenor of an instrument signifies the true meaning of the matter
therein contained. Cowell. Bouvier's 8th.

DISPUTABLE PRESUMPTION. A species of evidence that may be accepted and acted upon
when there is no other evidence to uphold contention for which it stands; and when
evidence is introduced supporting such contention , evidence takes place of presumption,
and there is no necessity for indulging in any presumption. A rule of law to be laid down
by the court , which shifts to the party against whom it operates the burden of evidence
merely . Black's 6th. See Note, rebuttable presumption, presumption, legal fiction .

Note: Right to legal title of your straw man is a disputable/rebuttable presumption

that was presumed by the US Government, and can be successfully disputed/
rebutted. No one holds a higher claim re title of your TRADE NAME than you,
because you comprise the sole source of its existence and have acted as surety for
its misadventures since you attained the age of majority and became legally
responsible for your own actions.

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DISTRICT OF COLUMBIA (D.C. ). A territory situated on the Potomac River, and being the
seat of government of the United States. It was originally ten miles square, and was
composed of portion of Maryland and Virginia ceded by those states to the United States;
but in 1846 the tract coming from Virginia was retroceded. Legally it is neither a state nor a
territory, but is made subject, by the constitution, to the exclusive jurisdiction of congress.
Black’s 1st. A portion of the country, originally ten miles square , which was ceded to the
United States by the states of Virginia and Maryland, over which the national government
has exclusive jurisdiction. Bouvier’s 8th . See United States . See Note.

Note: A municipal corporation, incorporated February 21 , 1871 (16 Stat. 419, Chap.
LXIt , 41st Congress, 3rd Session, “An Act to provide a Government for the District of
Columbia” )’, Reorganized June 8 , 1878 (20 Stat. 102, Chap 180, 45th Congress , 2nd
Session, An Act providing a permanent form of government for the District of
Columbia" ).

DOCUMENT. "Document” means a document of title or a receipt of the type described in

subdivision (2) of Section 7201 . UCC 9- 102(a)(30). See Note .

Note: A birth certificate is a document of title for a TRADE NAME. A “receipt of the
kind described in subdivision (2) of Section 7-201" is a warehouse receipt.
Therefore, a birth certificate—a document of title—is a warehouse receipt. See
UCC 7-202.

DOCUMENT OF TITLE, "Document of title" includes bill of lading , dock warrant, dock
receipt, warehouse receipt, or order for delivery of goods . . . evidencing that the person
entitled under the document... has the right to receive , hold and dispose of the document
and the goods it covers . UCC 1-201(15). See Note, title.

Note: A birth certificate qualifies as a document of title because it is both a

warehouse receipt and a dock receipt.

DRAFT. An order in writing directing a person other than the maker to pay a specified sum
to a named person. .. Drafts may or may not be negotiable instruments, depending on
whether the elements of negotiability are satisfied. Draft is synonymous with bill of
exchange. Barron' s 3rd . “Draft” means a draft as defined in Section 3-104 or an item,
other than an instrument*, that is an order. UCC 4- 104(7). An instrument is a “note” if it is a
promise , and is a “draft” if it is an order . UCC 3- 104(e). Compare sight draft.

* INSTRUMENT, “instrument” means a negotiable instrument. UCC 3- 104(b).

DRAWEE. “Drawee" means a person ordered in a draft to make payment. UCC 3- 103(2).
One to whom a bill of exchange or a check directs a request to pay a certain sum of money
specified therein. In the typical checking account situation, the bank is the drawee , the
person writing the check is the maker or drawer , and the person to whom the check is
rd
written is the payee. Barron’s 3 . Compare acceptor. See Note.

DRAWER. “Drawer” means a person who signs or is identified in a draft as a person

ordering payment. UCC 3-103(3). See Note.

Note: When you sign a check, you are the drawer and you are ordering your bank ,
the drawee , to pay a sum certain to the order of the payee.

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123
 . .
DROIT, (drwah or droyt). [French “right”] 1 A legal right or claim. 2 The whole body of law.
Black's 7th. See droit-droit.
DROIT-DROIT, (drwah-drwah), n. [Law French “double right ’] Hist. The unification of the
1

right of possession with the right of property.

Black's 7th. See Note. Compare absolute rights.
—
Also termed jus dup!icatum \ dreit dreit.

Note: As with the cestui que trust this term also comes to us from Norman French
attorneys. You have had the “right of possession” of your juristic, straw man TRADE
-
NAME your entire life, but you have been denied title (the name as property)
because it is held in custody elsewhere (State Registrar). The process contained
herein unites right of possession with right to hold your property (TRADE NAME) .

DULOCRACY. (d[y} oo-lok-r -see) , n. [fr. Greek doulos “servant” + kratein “to rule”] A
government in which servants or slaves have so many privileges that they essentially rule.
— Also spelled doutocracy. Black 's 7th. Compare mixed war.

DUMMY, n. One who purchases property and holds legal title for another , usually to conceal
the identity of the true owner; a straw man. adj. Sham; make-believe; pretended; imitation.
Person who serves in place of another, or who serves until the proper person is named or
available to take his place (e. g. dummy corporate officers; dummy owners of real estate).
Black's 6th. See Note, dummy corporation.

Note: Your straw man is a dummy and “serves in the place of another": you. When
the straw man’s TRADE NAME is called in court and you answer up, you become
the “proper person" and are “available to take his place,” and do. This is how the
switch takes place. See in propria persona.

DUMMY CORPORATION. Corporation formed for sham purposes and not for conduct of
legitimate business; e.g. formed for sole reason of avoiding personal liability. Black’s 6th.
See Note.

Note: The United States government formed the dummy corporation identified as
your TRADE NAME (with neither your mother’s, nor your , knowiedge/consent) for
the purpose of making you personally liable for repayment of loans of credit from the
Federal Reserve.

..
E G (L exempli gratia ) for example. ACED.

.
EID NUMBER See Note.

Note: “EID Number” is a unique numerical identifier bearing similarity with Employer
Identification Number , “EIN,” and Social Security Account Number , “SSAN.” Just as
.
IRS and state tax agencies denote the dash-less SSAN (e. g 123456789) as the
“Account Number” and “Case Number,” we insert a single dash after the fourth digit
and call It the EID Number ( e. g. 1234-56789) . Once you achieve standing as
creditor over your straw-man-debtor TRADE NAME, you also acquire standing as
“employer” because you , as creditor, are accorded the same standing as any other
creditor. It is not unfeasible to consider your straw man’s Social Security Account
Number , with a single, repositioned dash , as a unique “EID Number” for you , the
new “employer."

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EMPLOYEE. For purposes of this chapter, the term “employee” includes an officer,
employee , or elected official of the United States, a State, or any political subdivision
thereof, or the District of Columbia, or any agency or instrumentality of any one or more of
the foregoing. The term “employee” also includes an officer of a corporation. Internal
Revenue Code, Sec. 3401(d) Subtitle C.

EMPLOYER. For purposes of this chapter, the term “employer” means the person for whom
an individual performs or performed any service, of whatever nature, as the employee of
such person, except that... (1) if the person for whom the individual performs or performed
the services does not have control of the payment of the wages for such services, the term
"employer” means the person having control of the payment of such wages.. ..” Internal
Revenue Code Sec. 3401(d) Subtitle C.

EMPLOYER IDENTIFICATION NUMBER. See EID Number.

ENS LEGIS . L. Lat. A creature of the law ; an artificial being, as contrasted with a natural
serson. Applied to corporations, considered as deriving their existence entirely from the
aw . Black ' s 4th. See Note.

Note: This is a precise legal description of the ail-capital letters-named, straw-man

TRADE NAME.

EQUITY. [ME equite , t. L: m.s. aequitas equity, justice] Law . a. the application of the
dictates of conscience or the principles of natural justice to the settlement of controversies,
b. a system of jurisprudence or a body of doctrines and rules developed in England and
followed in the United States, serving to supplement and remedy the limitations and the
inflexibility of the common law.... ACED. most generally, “justice.” Historically, "equity”
developed as a separate body of law in England in reaction to the inability of the common
law courts, in their strict adherence to writs and forms of action, to entertain or provide a
remedy for every injury. The King therefore established the high court of chancery, the
purpose of which was to administer justice according to principles of fairness in cases
where the common law would give no or inadequate redress. Equity law, to a large extent ,
was formulated in maxims, such as “equity suffers not a right without a remedy,” or "equity
follows the law ,” meaning that equity will derive a means to achieve a lawful result when
legal procedure is inadequate. Equity and law are no longer bifurcated56 but are now
merged in most jurisdictions , though equity jurisprudence and equitable doctrines are still
independently viable. Barron’s 3rd. See Note.

Note: This is a very nobly described and apparently altruistic form of law, and may
have even been so at one time. Today , equity has much more insidious
implications because it is founded entirely on the “conscience of the court,” i.e.
literally whatever the judge wants to do. See admiralty law , vice-admiralty courts,
Note at barratry .

ESCROW. [ME < AF escro(u )we < OF escro(u )e scroll] A written instrument , such as a
deed, temporarily deposited with a neutral third party, the escrow agent, by the agreement
of two parties to a valid contract. The escrow agent will deliver the document to the
benefited party when the conditions of the contract have been met. The depositor has no
control over the instrument in escrow. In common law, escrow applied to the deposits of
56
Bifurcated: [Latin: bi- BI- + furca fork] Divided into two branches.

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125
 instruments for conveyance of land , but now it applies to all instruments so deposited.
Money or property so deposited is also loosely referred to as escrow. Barron’s 3rd.

ESQUIRE. [ME esquire , esquire , squire , fr. MF escuier , esquire shield bearer, squire, fr . LL
scutarius , fr. L scutum shield + arius -ary; akin to OHG sceida sheath] A member of the
English gentry ranking immediately below a knight. Webster’s Third New International
Dictionary of the English Language Unabridged. 1976. A man belonging to the higher order
of English gentry , ranking immediately below a knight.. . . Applied to various officers in the
service of a king . . . In the U.S. the title belongs officially to lawyers... OED. Originally, a
shield-bearer or armor-bearer, an attendant on a knight; in modern times , a title of dignity
next in degree below knight and above gentleman. Webster’s Revised Unabridged College
Dictionary . In English law. A title of dignity next above gentleman, and below knight O i l

st
Black’s 1 . See “The Truth About Esquires” in Part I (Section 2) of this Manual for a full
expose .

ESTOP. To stop , bar , or impede; to prevent; to preclude. Black 's 1st.

ESTOPPEL. Party is prevented by his own acts from claiming a right to detriment of other
party who was entitled to rely on such conduct and has acted accordingly. An estoppel
arises when one is concluded and forbidden by law to speak against his own act or deed....
Estoppel is a bar or impediment which precludes allegation or denial of a certain fact or
state of facts , in consequence of previous allegation or denial or conduct or admission, or in
consequence of a final adjudication of the matter in a court of taw . It operates to put party
entitled to its benefits in same position as if thing represented were true.... Estoppel is or
may be based on . .. actual or constructive fraudulent conduct, admissions or denials by
which another is induced to act to his injury, agreement on and settlement of facts by force
m
of entering into contract, concealment of facts. Black’s 5 .

ET SEQ. An abbreviation for et sequentia , “and the following. ” Thus a reference to "p . 1 , et
seq . ” means "page first and the following pages.’’ Black’s 1 .

EX PARTE. One side only; by or for one party ; done for , in behalf of, or on the application
st
of. one party only. Black’s 1 .

FAULT. In the civil law. Negligence; want of care. An improper act or omission, injurious to
another and transpiring through negligence , rashness, or ignorance. There are three
degrees of faults , — the gross, the slight, and the very slight fault. The gross fault is that
which proceeds from inexcusable negligence or ignorance; it is considered as nearly equal
to fraud. The slight fault is that want of care which a prudent man usually takes of his
business. The very slight fault is that which is excusable , and for which no responsibility is
incurred. Black’s 1 st .

FEDERAL. Of or pertaining to , or founded upon and organized by a compact or act of union

between separate sovereign states , as (1) by a league for common interest and defense as
regards external relations, the internal sovereignty of each member remaining unimpaired,
as the Hanseatic League or the German Confederation; or (2) by a permanent act of union
founded on the consent of the people duly expressed , constituting a government supreme
within the sphere of the powers granted to it by that act of union , as the United States of
America. - The constitution of the United States of America is of a very different nature
than that of the German Confederation. It is not merely a league of sovereign States for
their common defence against external and internal violence , but a supreme federal
Glossary Page 34 of 99 Rev . 02/ 15 /2002

126
government or compositive State, acting not only upon the sovereign members of the
Union , but directly upon all its citizens in their individual and corporate capacities. WHEATON
Elements International Law § 52, p. 78 [L. B. & CO. '66] - From 1776 to 1789 the United
.
States were a confederation; after 1789 it was a federal nation A Standard Dictionary of
the English Language, Funk & Wagnalls Company , 1903. See Note.

Note: Observe the last two entries above for what they reveal and confirm: (1) that it
was acknowledged no later than 1866 (date of publication of Elements International
Law) that people have both a private (“individual”) and corporate capacity. This is
the essence of the difference between true name and TRADE NAME, fiesh-and-
blood man and straw man; and (2) the several States were nations/countries unto
—
themselves and referenced in the plural—between 1776 and 1789, but following
the unanimous adoption of the Constitution (Rhode Island was last to adopt, May 20,
1790) they were unified into a single federal nation and spoken of in the singular.

.. . ..
FEDERAL INSURANCE CONTRIBUTIONS ACT (F I C A ) See “The Curse of Co-Suretyship”
in Part I of this manual, insurance, contribution, Ponzi scheme.

FEDERAL RESERVE NOTE. The highest example of a commercial lien is a Federal

Reserve Note, commonly found in commercial circulation, and is a commercial lien upon
the labor and industry of all Americans by the International Banking System The .
Fundamental Principles and Processes of Commercial Law , by Hartford VanDyke. See
Note.

Note: The monetary unit for most of the world’s trade, Federal Reserve Note ,
“FRN , ” is not defined in law dictionaries, though the former “United States Notes”
are. FRNs are commercial, military*, private, Federal Reserve reinsurance**
scrip***. They are permanently unfulfilled, irredeemable, evidence of debt. All FRNs
are loaned/borrowed into existence. It is a closed system and, as in the board
game, MonopolyTM bankruptcies are inevitable. Only the principal amount is
loaned/borrowed into circulation. However, because interest payments must be
tendered, the only source for these payments is the original principal amount,
thereby making it mathematically impossible to ever pay off the total debt of principal
plus interest. More FRNs must be borrowed into circulation in order to make interest
payments and yet still be able to retire the principal amount of the original loan, thus
pushing the borrower further into debt; a never-ending, ever-worsening cycle.
Federal Reserve notes are “promises to pay,” as described above, but they are
corporate promises to pay . There is no such thing as “personal income.” For a
comprehensive technical treatment of the nature of Federal Reserve notes see “A
Memorandum of Law" in Appendix . See Monopoly .

‘MILITARY. Pertaining to war or to the army; concerned with war. Black’s 6 .

th

See Note.

Note: The Amendatory Act (March 9, 1933) to the Trading With the
—
Enemy Act of October 6, 1917 namely the Emergency Banking
—
Relief Act of March 9, 1933 defined the American people as the
enemy, legally, of the United States Government because of the US
bankruptcy , through which the private, international Federal Reserve
System "became the Government” (creditor of United States). See

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127
 “Ramifications of the Bankruptcy - The Nature of Federal Reserve
Notes” in Appendix .
^REINSURANCE, sharing of risk among insurance companies. Part of the
insurer's risk is assumed by the other companies in return for part of the
premium fee paid by the insured. By spreading the risk, reinsurance allows
an individual company to take on clients whose coverage would be too great
a burden for one insurer to carry alone. Barron’s Dictionary of Finance and
.
Investment Terms 1991. See Note.

Note: For a comprehensive treatment of how you have become the

“reinsurer" of loans of FRNs , and a chapter of American History that is
not taught in schools, see "Ramifications of the Bankruptcy - The
Nature of Federal Reserve Notes" in Appendix .
**REINSURE. To insure under a contract by which a first insurer refieves
himself from a part or from all of the risk and devolves it upon another insurer.
ACED. See Note.

Note: See "Ramifications of the Bankruptcy - The Nature of Federal

Reserve Notes” in Appendix .

***SCRIP. A certificate to be exchanged for goods, as at a company store .

Webster’s. See Note.

Note: "Company store” = any place using FRNs/in US jurisdiction.

FEDERAL RULES OF CIVIL PROCEDURE. The rules governing proceedings instituted in the
U. S. District Courts. Black’s 7th.
FEDERAL ZONE. See Note .

Note: The terms “in this state,” “this state,” and “State,”* the two-capital-ietter federal
postal designation (CA , NY, TX, FL, etc. ) , and the five-digit ZIP (Zoning
.
Improvement Plan) Code signify “United States” jurisdiction See “in this state,”
Senate Document No. 43 , 73rd Congress, 1st Session, District of Columbia ,
United States.
* Per California Revenue & Taxation Code §§ 6017, 11205, 17018, and 23034.

FEUDAL. [< OHG fehida; c. OE faehth enmity] Pertaining to feuds or fees; relating to or
growing out of the feudal system or feudal law; having the quality of a feud, as
distinguished from “allodial.” Black’s 1st. Compare atiodial.
th
FIAT. [Latin “let it be done”] An order or decree, especially an arbitrary one. Black’s 7 .

FICTITIOUS NAME. A counterfeit, feigned , or pretended name taken by a person, differing

in some essential particular from his true name , (consisting of Christian name and
patronymic*,) with the implication that it is meant to deceive or mislead. Black's 4th. See
Note.

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 PATRONYMIC. Name of the house/father/family; surname.

Note: Opposite of a “true name.” Your all-capital-letters, straw-man TRADE NAME

is a fictitious name created by the bankrupt, corporate US Government at the time
of your birth (see birth) and "wholly brought into separate existence” via the birth
record/document. You have mistakenly believed that the fictitious, all-capital-letters
TRADE NAME referenced/identified you when, in fact, it is only a piece of property
(corporation ; corporately colored) that is inextricably linked with you and your true
name. The US Government presently holds legal title (original birth document) re
the fictitious name, but title is easily recovered by your redemption of the document
of title, i.e. the birth certificate. See legal fiction, capital letter, all-capital letters-
written, idem sonans , artificial person, proper.

FIELD* WAREHOUSE RECEIPT. Document issued by warehouseman evidencing receipt of

goods which have been stored. Such may be used as collateral for loans. Black's 6th. See
Note.

* FIELD. Mil. a. A sphere of action or place of contest, b. A battleground. F&W.

Note: The term “field” is a military term signifying battlefield. The county recorder
issues a field warehouse receipt "evidencing receipt of goods [newborn baby]
which have been stored” [delivered] in the warehouse [county]. The birth certificate
is a field warehouse receipt and, as such, may be used as “collateral for loans.”

FILE NUMBER. “File number" means the number assigned to an initial financing statement
pursuant to subdivision (a) of Section 9519. UCC 9-102(a)(36).

FILING OFFICE. “Filing office” means an office designated in Section 9501 as the place to
I file a financing statement. UCC 9-102(a)(37).

FINANCING STATEMENT. “Financing statement" means a record or records composed of

an initial financing statement and any filed record relating to the initial financing
statement. UCC 9-102(a)(39). A document filed with the UCC office, or in some cases the
county auditor, that details the money and/or goods pledged by one party to guarantee the
fulfillment of an obligation to another party. WSUG.

FIXTURE FILING. “Fixture filing” means the filing of a financing statement covering goods
that are or are to become fixtures and satisfying subdivisions (a) and (b) of Section 9502.
The term includes the filing of a financing statement covering goods of a transmitting utility
-
which are or are to become fixtures. UCC 9 102(a)(40).

FIXTURES. “Fixtures” means goods that have become so related to particular real property
-
that an interest in them arises under real property law. UCC 9 102(a)(41).

FLAG, LAW OF. In maritime law. The law of that nation or country whose flag is flown by a
particular vessel. “A shipowner who sends his vessel into a foreign port gives notice by his
flag to all who enter into contracts with the master that he intends the law of that flag to
regulate such contracts, and that they must either submit to its operation or not contract with
him.” Black 's 4th. See Note.

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129
 Note: The law of flag pertains to the legal and lawful import or use of a non-verbal,
symbolic notice defining jurisdiction and applicable law . The significance in
admiralty and maritime jurisdictions is stated above in quotes and identifies the
.
current legal system in America This aspect of law more closely approaches the
true essence of the nature and significance of “names” than any other. In a
courtroom the judge wants to recognize only your “all-capital letters" flag (/.©. your
corporately colored, juristic, TRADE-NAME flag). See trademark.

FRAUD . An intentional perversion of truth for the purpose of inducing another in reliance
upon it to part with some valuable thing belonging to him or to surrender a legal right. A
false representation of a matter of fact, whether by words or by conduct, by false or
misleading allegations, or by concealment of that which should have been disclosed, which
deceives and is intended to deceive another so that the shall act upon it to his legal injury.
Any kind of artifice employed by one person to deceive another....A generic term,
embracing all multifarious means which human ingenuity can devise, and which are
resorted to by one individual to get advantage over another by false suggestions or by
suppression of truth, and includes ail surprise, trick, cunning, dissembling, and any unfair
way by which another is cheated. Black ’ s 5th. Fraud vitiates every transaction and all
contracts. Indeed, the principle is often stated, in broad and sweeping language, that fraud
destroys the validity of everything into which it enters, and that it vitiates the most solemn
contracts, documents, and even judgments. Fraud , as it is sometimes said, vitiates every
act, which statement embodies a thoroughly sound doctrine when it is properly applied to
the subject matter in controversy and to the parties thereto and in proper forum. 37
American Jurisprudence 2d , Fraud, § 8.
FRCP. See Federal Rules of Civil Procedure.

GENERAL. Pertaining to or designating the genus or class , as distinguished from that

which characterizes the species, or individual. Universal, not particularized; as opposed to
special. Principal or central; as opposed to local. Open or available to all; as opposed to
select. Obtaining commonly, or recognized universally ; as opposed to particular. Universal
or unbounded; as opposed to limited. Comprehending the whole; as distinguished from
anything applying to or designated for a portion only. Black’s 1st. Compare special .

GENERAL APPEARANCE. An appearance for general purposes, which waives a party’s ability
later to dispute the court’s personal jurisdiction. Black's 7m.

GENERAL INTANGIBLES. “General intangibles" means any personal property, including

things in action, other than accounts, chattel paper , commercial tort claims, deposit
accounts, documents, goods, instruments, investment property, letter-of-credit rights, letters
of credit, money, and oil, gas, or other minerals before extraction. The term includes
payment intangibles and software. UCC 9-102(a)(a)(42).

GENTILE, adj. of or pertaining to any people not Jewish. ACED. n. A person who is not
Jewish, esp. a Christian... . Webster's. “’The Torah outlawed the issue [offspring} of a
Gentile as that of a beast.' (Mik. viii [Talmud] referring to Ezek. /.c.).” Jewish Encyclopedia
(1901) Voi. 5, page 621. See Note, goy, goyim, goods .

Note: Per the Jewish Encyclopedia, and the Torah (first five Books of the Old
Testament) by reference, Gentiles, i.e. non-Jews, are beasts.

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GOOD FAITH. “Good faith” means honesty in fact and the observance of reasonable
commercial standards of fair dealing. UCC 9-102(a)(43). See Note

Note: Good faith is sincere inner intent to be honest, truthful, and open in all aspects
of a contract offered or being negotiated.

GOODS. “Goods” means all things that are movable when security interest attaches. The
term includes . . . (iii) the unborn young of animals, . . . The term also includes a computer
program embedded in goods and any supporting information provided in connection with a
transaction relating to the program if (i) the program is associated with the goods in such a
manner that it is customarily considered part of the goods, or (ii) by becoming the owner of
the goods, a person acquires a right to use the program in connection with the goods. The
term does not include a computer program embedded in goods that consist solely of the
medium in which the program is embedded . The term also does not include accounts,
chattel paper , commercial tort claims , deposit accounts, documents , general intangibles,
instruments, investment property, letter-of-credit rights , letters of credit, money, or oil, gas ,
or other minerals before extraction. UCC 9-102(a)(44). A term of variable content and
meaning . . . . All things ... which are movable at the time of identification to the contract for
sale . . . , investment securities, and things in action. Also includes the unborn young of
animals. . . . Black's 6th. See Note.

Note: “all things which are movable” - newborn children; “at the time the security
interest attaches” = birth, and execution/registration of the birth document/certificate;
“identification to the contract” = newborn’s footprints and informer’s (mother’s)
signature; “contract” = birth certificate, “things in action” - human fetuses, newborn
babies; “unborn young of animals” = human fetuses. According to STRONG”S. in
goyim below , goyim = “animals.” According to the Jewish Encyclopedia in Gentile
above , a Gentile is a beast. See field warehouse receipt, identification of goods,
Gentile, goyim.

GOY. n. pi. goyim (goy im), goys. Often disparaging, a non-Jewish person; gentile. Also,
goi [< Yiddish < Heb goi people, non-Jews] Webster’s. See goyim, Gentile.

GOYIM. "... a foreign nation : hence a Gentile; also (fig.) a troop of animals, or a flight of
locusts:— Gentile , heathen, nation, people . ” THE NEW STRONG’S EXHAUSTIVE
CONCORDANCE OF THE BIBLE (1995). See Note, goy , Gentile.

Note: Literally, goyim means “nation.” It is also Jewish slang for “cattle” or
“animals. " Per Jewish thinking there are only two nations in the world: the Jewish
nation and the Gentile (non-Jewish) nation, i.e. goyim. See Gentile, goods.

GUARANTOR. One who makes a guaranty or gives security for a debt. While a surety’s
liability begins with that of the principal, a guarantor’s liability does not begin until the
principal debtor is in default. Black’s 7 .

GUARANTY. A promise to answer for the payment of some debt, or the performance of
th
some duty , in case of the failure of another who is liable in the first instance. Black’s 7 .
HOLD-HARMLESS AGREEMENT. A contract in which one party agrees to indemnify the
other . Black’s 7th.

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 HOLDER. The holder of a bill of exchange, promissory note, check, or other commercial
paper, is the person who has legally acquired possession of the same, by endorsement or
delivery, and who is entitled to receive payment of the instrument. Person who is in
possession of a document of title or an instrument or an investment security drawn, issued
or endorsed to him or to his order, or to bearer or in blank. Black’s 6th. With respect to a
negotiable instrument, means the person in possession if the instrument is payable to
bearer or , in the case of an instrument payable to an identified person, if the identified
person is in possession. “Holder,” with respect to a document of title means the person in
possession if the goods are deliverable to bearer or to the order of the person in
possession. UCC 1-201(20). See holder In due course.

HOLDER IN DUE COURSE. A person who in good faith has given value for a negotiable
instrument that is complete and regular on its face, is not overdue, and, to the posessor’s
knowledge, has not been dishonored. Black 's 7 . In commercial law, a holder of an
instrument who took it for value, in good faith, and without notice of any claim or defense
against it [UCC 3-302(1)], and who can enforce the instrument free from all claims and
personal defenses [UCC 3-305], A payee may be a holder in due course. A holder does
not become a holder in due course of an instrument by purchase of it at a judicial sale or
by taking it under legal process, or by acquiring it in taking over an estate , or by purchasing
it as part of a bulk transaction not in regular course of business of the transferor. A
purchaser of a limited interest can be a holder in due course only to the extent of the
interest purchased. Black’s 6th. Compare bona fide purchaser. See Note.

Note: A “holder” is not necessarily the holder in due course. Per the first definition
above, you are the only one who can be the holder in due course of negotiable
instruments bearing your straw man’s TRADE NAME . In commercial law, the
phrase “holder in due course” signifies the operation and standing of one with
supreme and irrefutable claim on a negotiable instrument .

HOUSE JOINT RESOLUTION 192 OF JUNE 5 , 1933. “...Resolved by the Senate and the
House of Representatives of the United States of America in Congress assembled: That (a)
every provision contained in or made with respect to any obligation which purports to give
the obligee the right to require payment in gold or a particular kind of coin or currency, or in
an amount in money of the United States measured thereby, is declared to be against
public policy, and no such provision shall be contained in or made with respect to any
obligation hereafter incurred. Every obligation heretofore or hereafter incurred, whether or
not any such provision is contained therein or made with respect thereto, shall be
discharged upon payment , dollar for dollar , in any such coin or currency, which at the time
of payment is legal tender for public and private debts ...." Public Law 73-10. See Note,
and Note at escrow.

Note: As a result of House Joint Resolution 192 of June 5, 1933 (HJR 192) , a
debt can no longer be “paid” because the only way lawful payment can be made —
—
with gold/silver coin/currency was made “illegal.” Since the new “legal tender”
consists solely of private Federal Reserve Notes (FRNs), which are private
commercial scrip representing debt , transference of such scrip between users
merely “discharges” the relative debt between them. No matter how much exchange
of FRNs transpires between users , the debt incurred in the creation of those FRNs
still exists, and interest is still owed . For the “privilege” of receiving FRNs (instead of
United States Notes) in one’s corporately colored TRADE NAME , one must pay a
fine, as the surety of the TRADE NAME, called income tax, out of the supply of
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132
 FRNs at one’s disposal, to the owners of the FRNs, the Federal Reserve Bank
(FRB). The more FRNs one acquires—i.e. the more liability one accumulates —the
more one is fined. Internal Revenue Service , unregistered foreign collection agency,
private accountancy firm, and intelligence-gathering unit of the FRB, collects the
fines.

How do FRNs come into existence? The sureties of the TRADE NAMES (“owners”
of the birth certificates, i . e. American men and women) “borrow” credit via a pledge.
How is the pledge actualized? By signing and promising to pay . Before the
bankruptcy in 1933 , money was backed by substance. After the Wizard ( see Wizard
of Oz, The) conned us out of our unalienable right to pay debts with gold
(substance), and hence our sovereignty, there had to be something else to back the
currency. The bankrupt US Government fabricated a juristic, mirror-image name
from our true name (see transmitting utility), inscribed it on our birth certificate ,
used the birth certificate as a negotiable document of title (a security) for the newly
created TRADE NAME and hypothecated our body , labor, and property (see
hypothecate) with the Federal Reserve in exchange for credit , gave us transmitting-
utility “benefits” in exchange for use of our property (the TRADE NAME), thereby
hooking us into the cycle and obligating us , our labor, and our property as surety for
the “loan”—all without our knowledge, and without our consent. In other words , the
bankrupt federal government has hypothecated everything you own, including your
labor, for credit (belief/air/FRNs) from the Federal Reserve. All wealth in the nation
was nationalized ('‘legally” usurped) by the U.S. Government (see “Executive Order
Outlawing Gold” in Appendix , and Senate Document No. 43, 73rd Congress, 1#t
Session), people, as sureties for the TRADE NAME, were converted into chattel
property, and juristic-name STRAW MAN was “wholly brought into separate
existence” on our birth certificate and other subsequent documents , such as the
Social Security card . The political-industrial society was then set up to run strictly via
TRADE NAMES . One can now enjoy the benefits of the American industrial society
(buying and selling) only in the TRADE NAME of one’s straw man . Before HJR 192
money represented substance. Now “money” represents debt because it is issued
as “credit.” How does one obtain money now? By getting a “loan of credit"
(belief/air) from the creditors in bankruptcy . How does one get such a loan? Simply
by signing one’s signature on a “promise to pay.” The foundational instrument for all
money—the endorsed document—is thereby created , and the FRB creditors issue
the credit—purely an accounting procedure—against the pledged assets, i. e. you,
your labor , and your property. The “lender” (FRB) has no stake and no risk in the
process (see promissory note for exact text from the Federal Reserve publication).

Since the basis of all money-creation is the common signature and a “promise to
pay,” this very process can be employed for one's benefit when faced with a demand
for payment/performance (called a "presentment”; see presentment), and is outlined
in the Presentment Handling section in Part II of this manual.

If one carefully reads through the legalese above in HJR 192, one can see that no
obligee (the one who is owed money) can “require payment . .. in .. . a particular kind of
coin or currency .. . ” The fact that debts can be discharged through the use of FRNs
does not also authorize an obligee to require payment in FRNs (and likewise any
other particular/specific currency). When an artificial person requires that you pay in
FRNs, he is in violation of HJR 192 and acting “against public policy.”

.
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133
 HUMAN BEING. See monster . Ballentine’s Law Dictionary. 1930.

HYPOTHECATE. [“’Hypotheca’ was a term of the Roman law, and denoted a pledge or
mortgage.... “ Black’s 1st.] 1. To pledge to a creditor as security without delivering over;
mortgage. 2. To put in pledge by delivery, as stocks given as security for a loan. ACED.
To pledge something as security without turning over possession of it. Hypothecation
creates a right in the creditor to have the thing pledged sold in order that the claim may be
satisfied out of the sale proceeds. Barron’s 3rd, To pledge a thing without delivering the
possession of it to the pledgee. “The master, when abroad, and in the absence of the
owner, may hypothecate the ship, freight, and cargo, to raise money requisite for the
completion of the voyage....” Black’s ;1st. See Note.

Note: Your body, labor, and property have been “put in pledge,” “mortgaged,”
hypothecated to the Federal Reserve creditors courtesy of the US Government
borrowing credit (Federal Reserve Notes) against your birth certificate. Your body,
labor, and property comprise the substance (collateral) that guarantees repayment of
the loan. The TRADE NAME of the straw man is derived from the birth certificate,
which has the name inscribed on it, and is used as the security instrument in the
transaction.

IDEM SONANS . (Latin): Sounding the same or alike; having the same sound. A term
applied to names which are substantially the same, though slightly varied in the spelling, as
“Lawrence” and “Lawrance,” and the like. Black’s 1st. See Note.

Note: Your straw man’s TRADE NAME (in all-capital letters) sounds exactly like your
true name (initial letters only capitalized) when spoken. When written, however, the
two names represent two entirely different entities: One is a legal construct, the
name of an artificial person under whose TRADE NAME you conduct business; the
other is your true name and references and identifies you, and expresses your
standing as a sovereign. Both names constitute property, however, and may be
copyrighted under the common law. See fictitious name, all-capital letters-
written, proper, artificial person.

.
IDENTIFICATION. Proof of identity... Black's 6 . See identification of goods.
th

IDENTIFICATION OF GOODS, “...goods to which the contract refers even though the goods
so identified are non-conforming... Such identification can be made at any time and in any
manner explicitly agreed to by the parties. U.C.C. § 2-501. Black’s 6th. See Note.

Note: “Goods” = people; "contract” = birth certificate; "non-conforming” = the man or

woman described on the original birth document/contract no longer conforms to the
identification factors (foot prints, eye color, hair color, height, weight, efc.)
described on the original birth document/contract; “identification can be made at
any time” = identification can be made at birth and at any time subsequent thereto;
“in any manner explicitly agreed to by the parties” * any way you can be persuaded
to accept the accusation and identify yourself with the name on the birth certificate.
The mother is the party who usually signs the birth document in the box designated
“informer” or “informant.” Per Black’s, an informer “prefers an accusation” (a criminal
matter) , This is the seminal incident of being "accused” of having/owning/being
associated with an all-capital letters name. You “own” the straw man’s name, but it
neither references nor identifies you; the name that more closely references and
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134
 identifies you is your true name. The U.S. Government holds the title of the TRADE
NAME in the form of the original birth document until it is redeemed by you. See
goods , informer , information, accusation.

I .E. An abbreviation for “ id estthat is; that is to say. Black ’s 6th.

IMPAIRING THE OBLIGATION OF CONTRACT. A law which impairs the obligation of a

contract is one which renders the contract in itself less valuable or less enforceable,
whether by changing its terms and stipulations, its legal qualities and conditions, or by
regulating the remedy for its enforcement. To “impair an obligation of a contract”, within
.
prohibition of Art. I, § 10, U.S. Const , is to weaken it, lessen its value, or make it worse in
any respect or in any degree, and any law which changes the intention and legal effect of
the parties, giving to one a greater and to the other a less interest or benefit , or which
imposes conditions not included in the contract or dispenses with the performance of those
included, impairs the obligation of the contract. A statute “impairs the obligation of a
contract" when by its terms it nullifies or materially changes existing contract obligations.”
Black’s 5th.

IN BAR. See bar.

IN BLANK. A term applied to the indorsement of a bill or note, where it consists merely of
..
the indorser’s name, without restriction to any particular indorsee. . Black’s 1 . See blank
st

indorsement.

. rd
IN PERSONAM Lat: into or against the person. Barron’s 3 .
st
IN PROPtA PERSONA, in one’s own proper person. Black ’ s 1 . See proper, dummy ,

I IN REM. A technical term used to designate proceedings instituted against the thing , in
.
contradistinction to personal actions, which are said to be in personam Black’s 1 .
st

Note: All IRS proceedings and actions are in rem under admiralty law , by definition a
subset of the UCC (see UCC 1-103) .
rd
“IN THIS STATE”. See Note, Federal Zone; Senate Document No. 43, 73 Congress, 1st
Session ; Conference of Governors, March 6 , 1933 .

Note : Per California Revenue & Taxation Code §§ 6017, 11205, 17018, and 23034,
the terms "in this state ," "this state , ” and "State” are defined for tax jurisdiction
purposes as “District of Columbia” (a/k/a "United States") . Accordingly, "California"
is not included in "this state" within the above-cited sections of the California
Revenue & Taxation Code. The federal postal designation “CA," however, is
included in “ this state . ”

INDIRECT CONFESSION. A confession that is inferred from the defendant’s conduct.

th
Black’s 7 .
INDIVIDUAL. The term “individual" means a citizen of the United States...” 5 USC
552a(a)(2) . See Note.

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Rev . 02/15 / 2002
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 INDORSEMENT. “Indorsement” means a signature other than that as a signer as maker,
drawer, or acceptor, that atone or accompanied by other words is made on an instrument
for the purpose of (1) negotiating the instrument, (2) restricting payment of the instrument,
or (3) incurring indorser’s liability on the instrument, but regardless of the intent of the
signer , a signature and its accompanying words is an indorsement unless the
accompanying words, terms of the instrument, place of the signature, or other
circumstances unambiguously indicate that the signature was made for a purpose other
than indorsement. For the purpose of determining whether a signature is made on an
instrument, a paper affixed to the instrument is a part of the instrument . UCC 3-204(a).
The act of a payee, drawee, accommodation Indorser, or holder of a bill, note, check, or
other negotiable instrument, in writing his name upon the back of the same, with or without
qualifying words, whereby the property in the same is assigned and transferred to another.
Black ’s 1st.

INDORSER. “Indorser” means a person who makes an indorsement. UCC 3 204(b). He -

who indorses ; i.e. being the payee or holder, writes his name on the back of a bill of
exchange, etc. Black's 1st.

INDORSEE. The person to whom a bill of exchange, promissory note, bill of lading, etc. is
assigned by indorsement, giving him a right to sue thereon. Black ’s 1st.

INFORMANT. See informer .

INFORMATION. In practice. An accusation exhibited against a person for a criminal

offense, without an indictment. An accusation in the nature of an indictment, from which it
differs only in being presented by a competent public officer on his oath of office, instead of
a grand jury on their oath.... In French Law. The act or instrument which contains the
. .
depositions of witnesses against the accused Black’s 1st See Note ,

Note : The birth certificate fulfills all above definitions of an information.

INFORMER. A person who informs or prefers* an accusation against another, whom he

suspects of the violation of some penal statute.... Black’s 1st. See Note.

"PREFER . To bring before; to prosecute; to try; to proceed with. Thus, preferring an

indictment signifies prosecuting or trying an indictment.... Black’s 6th.

Note: Flesh-and-blood men and women are ruled neither by penal statutes nor any
—
other kind of statute unless they are acting as surety for the TRADE NAME, in
which case they are held accountable exactly as it would be. Statutes obtain only in
the case of artificial persons, such as corporations and corporately colored entities
like the TRADE NAME. On some birth certificates the signatory is listed as
“Informer” or " Informant,” a term that carries criminal implications. Legally , a
newborn is an undocumented enemy of the state, a public enemy , according to the
Amendatory Act (March 9, 1933) to the Trading With the Enemy Act of October 6,
1917. Any such informer (usually the mother) is “informing” on—i. e. lodging a
—
formal complaint/accusation by deposition and identification of the baby . If an all-
capital letters TRADE NAME appears on the document , the informer may also
“prefer an accusation” that the name, as inscribed, is attached with the infant
associated therewith. This can serve as the basts for any subsequent insistence that

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136
 the all-capital-letters TRADE NAME directly concerns you, the flesh-and-blood man/
woman. See Information, birth, accusation.

INSTRUMENT. “Instrument" means a negotiable instrument or any other writing that

evidences the right to the payment of a monetary obligation, is not itself a security
agreement or lease, and is of a type that in ordinary course of business is transferred by
delivery with any necessary indorsement or assignment. The term does not include (i)
investment property, (ii) letters of credit, or (iil) writings that evidence a right to payment
arising out of the use of a credit or charge card or information contained on or for use with
the card. UCC 9-102(a)(47). An instrument is a “note” if it is a promise and is a “draft” if it
is an order. If an instrument fails within the definition of both “note” and “draft," a person
entitled to enforce the instrument may treat it as either. UCC 3-104{e). "instrument”
means a negotiable instrument. UCC 3-104(b).

INSURANCE, n. 1. An agreement by which one party (the insurer ) commits to do something

of value for another party (the insured ) upon the occurrence of some specified contingency;
esp. an agreement by which one party assumes a risk faced by another party in return for a
premium payment. 2 . The amount for which something or someone is covered by such an
agreement. Black’s 7m. A contract whereby, for an agreed premium, one party undertakes
th
to compensate the other for loss on a specified subject by specified perils. Bouvier’s 8 .
See Note.

Note: "F.I.C .A." (Federal insurance Contributions Act), i. e. Social Security payroll tax,
is not an insurance policy in the name of the party paying the premiums. See “The
Curse of Co-Suretyship” in Section 3 of Part I of this manual.

INTER ALIA. Lat. : among other things... Barron's 3

rd
.
INTERNAL REVENUE SERVICE (IRS). “U.S.C ., title 26, sec. 1164. (62) Puerto Rico special
fund (internal Revenue) . ” 73rd Congress, Session II, Chapter 756, June 26, 1934,
Congressional Record , page 1234. “The United States of America, through undersigned
counsel, hereby responds to the numbered paragraphs of plaintiffs complaint as follows: ...
4. Denies that the Internal Revenue Service is an agency of the United States
Government . ..” UNITED STATES’ ANSWER AND CLAIM, November 18, 1993, BETTY H.
.
RICHARDSON, United States Attorney, Diversified Metal Products Inc , v. T-Bow Company
Trust , internal Revenue Service , and Steve Morgan. See Note.
Note: As revealed above, IRS is domiciled in Puerto Rico under Secretary of the
Treasury of Puerto Rico, a/k/a/ Secretary of the Treasury . IRS officers, agents, and
employees are unregistered foreign agents, conducting business in America in
violation of the Foreign Agents Registration Act of 1938. Per signed brief
(referenced above) from the United States Attorney, IRS is not an agency of the U.S.
Government .

INVESTMENT PROPERTY. “Investment property ” means a security , whether certificated or

uncertificated, security entitlement, securities account, commodity contract, or commodity
account. UCC 9 104(49) .
-
INVOLUNTARY SURETYSHIP. See suretyship.

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137
 .
JURAT , [fr Latin jurare “to swear”] A certification added to an affidavit or deposition stating
when and before what authority the affidavit or deposition was made. • A jurat typically says
“subscribed and sworn to before me this day of [month], [year]” . .. Black’s 7th.

JURISTIC, adj. ...Of or relating to law <a corporation is a typical example of a juristic
person> . Black’sJL 7 - Pertaining or belonging to, or characteristic of, jurisprudence, or a
jurist, or the legal profession. Black 's 4th. See Note, juristic person .

Note. Your corporation-of-one, artificial-person straw man has a juristic TRADE

NAME and pertains and belongs strictly to jurisprudence and is a juristic person.
JURISTIC PERSON. See Note.

Note: Black’s 7th mentions juristic person under the definition of “artificial person,”
which is defined under “person”:

PERSON. ...An entity (such as a corporation) having the rights and duties of a human
being... . Black’s 7th..

ARTIFICIAL PERSON. An entity , such as a corporation, created by law and given

certain legal rights and duties of a human being; a being, real or imaginary, who for
the purpose of legal reasoning is treated more or less as a human being. —
Also
termed fictitious person; juristic person; legal person. . . Black’s 7 lh .

Note: The legal definition of “human being” is conveniently missing from the
law dictionary containing the above definitions, The difference between a
human being and an artificial person has been so blurred—intentionally and
legally —by those who enrich themselves at your expense via the legal
system, that the two terms are so overlapped they are essentially
indistinguishable. Treating people as numbers, corporations, etc . is the order
of the day for governments, and the virulent hatred of mankind espoused by
those who dominate the world has been legally justified through such
specious subterfuge as the above “definitions.” See monster.

JUSTICIABLE. Proper to being examined in courts of justice. Subject to action of court of

justice. Black’s 4th. See Note:

Note: Matters strictly in the realm of common law and the UCC are not justiciable
matters; they are pre-judicial, non-judicial matters of private, consensual contract.

KANGAROO COURT. A sham legal proceeding in which a person’s rights are totally
disregarded and in which the result is a foregone conclusion because of the bias of the
court or other tribunal. Black’s 5th.

-
“KOL NIDRE” (* p 'n). “...the opening prayer recited on the eve of Yom Kippur*, containing
a declaration of the annulment of personal vows and oaths.” AHD. “All vows, obligations,
oaths, and anathemas**, whether called ‘konam,’ 'konas, ' or by any other name, which we
may vow , or swear, or pledge, or whereby we may be bound, from this Day of Atonement
until the next (whose happy coming we await), we do repent. May they be deemed
absolved, forgiven, annulled and void, and made of no effect; they shall not bind us nor
have power over us. The vows shall not be reckoned vows; the obligations shall not be

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 obligatory; nor the oaths be oaths.’ Jewish Encyclopedia (1901), Vol. V, page 539. See
1

Note.
*YOM KIPPUR. The Jewish Day of Atonement , a holiday marked by prayer and fasting,
celebrated in late September or in October. The Doubledav Dictionary (1975).
r
**ANATHEMA. A formal ecclesiastical ban or curse; also, any curse. Funk & Wagnalls
New College Standard Dictionary (1947).

Note: “Kol Nidre” is Hebrew for “all vows." Per the Jewish Encyclopedia, any Jew
invoking the prayer of “Kol Nidre” forswears all oaths, vows, obligations, etc. that
will be taken in the coming year , thereby absolving himself in advance for
dishonoring his sworn oath/word. Children have a similar ritual for playing games
wherein a child will cross his fingers and then hide his hand behind his back before
giving his word/promising something. When confronted about the truth of his sworn
statement , the child reveals that he had his fingers crossed and therefore was under
no obligation to tell the truth at the time the oath/vow was given. Potentially
extremely dangerous consequences are afoot when dealing with someone who has
—
taken the prayer of “Kol Nidre” such as in a courtroom when one is dealing with
judges, prosecutors, plaintiffs, and attorneys, as well as in any other honor-
—
contingent, trust-dependent situation because such devotees essentially have a
self-issued license for lying, bearing false witness, and ignoring obligations; thus, the
door is wide open for duplicity , deceit , and betrayal. However, adherents of this
practice are nevertheless dependent upon its general unknownness for profiting from
its application. Masons, atso known to inhabit courtrooms, have a similar dishonor of
oaths (by the same name) that is catted into action for assisting and protecting fellow
Masons in legal matters (Masonic Handbook, page 183). Re the Jewish Day of
Atonement, Yom Kippur: as revealed in a comparative article on Islam, Christianity ,
and Judaism appearing in the September 24, 2001 edition of the Los Angeles Times
entitled “Articles of the Faiths," Jews make amends and ask forgiveness (for the
purpose of restoring relations) only with other Jews , i.e. “by being reconciled with
each other, Jews are reconciled with God."

LAW MERCHANT. A system of customary law that developed in Europe during the Middle
Ages and regulated the dealings of mariners and merchants in all the commercial countries
.
of the world until the 17th century Many of the law merchant’s principles came to be
incorporated into the common law, which in turn formed the basis of the Uniform
—
Commercial Code. Atso termed commercial law, lex mercatoria. Black ' s 7 .
th

LAW OF NATIONS. A system of rules and principles established among nations, and
intended for the regulation of their mutual intercourse; otherwise called “international law ” .
Black’s 1st .

LAW OF NATURE. See natural law.

LAW OF THE FLAG. See flag, law of.

LAW OF THE LAND. Due process of taw. Black’s 1

st
.
LEGAL FICTION. Something assumed* in law to be fact irrespective of the truth or accuracy
of that assumption. Example: the legal fiction that a day has no fractions -- Fields V.

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 Fairbanks North Star Borough, 818 P.2d 658(1991). Merriam-Webster's Dictionary of Law.
1996. n. A presumption of fact assumed by a court for convenience, consistency or to
achieve justice , There is an old adage: "Fictions arise from the law , and not law from
fictions , The Real Life Dictionary of the Law . A legal fiction is an assumption** that
something that is (or may be) false or nonexistent is true or real. Legal fictions are
assumed or invented to help do justice. For example, bringing a lawsuit to throw a
nonexistent "John Doe" off your property used to be the only way to establish a clear right to
the property when legal title was uncertain , Oran's Dictionary of the Law. See Note.

ASSUME. 1. To take up or take responsibility for; to receive; to undertake. See

. .
assumption. 2 To pretend. 3 To accept without proof. Oran's Dictionary of the Law.

ASSUMPTION. Formally transforming someone else's debt into your own debt .
Compare with guaranty. The assumption of a mortgage usually involves taking over
the seller's "mortgage debt” when buying a property (often a house) Oran’s .
Dictionary of the Law.

Note: Per the dictionary, a fiction is something created by the imagination. In the
field of law , judges have used their imagination to develop an artifice that allows
them to call the truth a lie, and a lie the truth. This particular type of fiction is termed
a '‘legal’’ fiction because it was fabricated within the legal profession; essentially, it
is the “Doctrine of Pretending.” Judges operate their court based on “let’s pretend”
and do so with license, but without the inconvenience of having to inform you of what
they have decided to pretend. Judges live in an artificial world based on pretense,
lies, and deceit, and are professional dissemblers***. A legal fiction is an
assumption of purported fact without having shown the fact to be true/valid, i.e an .
acceptance with no proof. If one does not wish to be the victim of such chicanery
one must forever be on guard to challenge/rebut a judge's arbitrary presumptions
and assumptions, such as the all-caps TRADE NAME. Also, there is a widespread
misconception that a corporation is a “legal fiction . ” A corporation is not a legal
fiction; rather , it is a “legal fact " but a fictitious entity nevertheless.

***DISSEMBLE. To conceal or disguise the true nature of (intentions, feelings, etc.) so

as to deceive.... To conceal one' s true nature, intentions, etc .; act hypocritically .
F&W.

LEGAL NAME. A person’ s full name as recognized in law, consisting of a first name (usu.
given at birth or at a baptism or christening) and a last name (usu. a family name). Black's
fn (under “name”).
Note: One’s "legal name” is the name of the legal person “recognized in law " The .
only names recognized in taw are those of artificial persons and are written in all-
capital letters. Your straw man’s TRADE NAME is your true name corrupted into an
ail-capital-letters format. “Recognized in law" = existing by force of, or in
contemplation of, law = legal name = juristic name = juristic person = artificial
person.

LEVY. n. 1. The imposition of a fine or tax; the fine or tax so imposed. 2. The enlistment of
.
soldiers into the military; the soldiers so enlisted. 3 The legally sanctioned seizure and sale
.
of property ; the money obtained from such a sale. vb . 1 To impose or assess (a fine or tax)

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 . .
by legal authority . 2 To enlist for service in the military. 3 To declare or wage (a war). 4. To
take or seize property In execution of a judgment. Black's 7th.

LICENSE. In international law. Permission granted by a belligerent state to its own

subjects, or to the subjects of the enemy , to carry on a trade interdicted by war. In
Governmental Regulation. Authority to do some act or carry on some trade or business, in
its nature lawful but prohibited by statute, except with the permission of the civil authority or
which would otherwise be unlawful. Bouvier’s 8th. When the power is exercised by
municipal corporations, a license is the requirement by the municipality, of the payment of a
certain sum by a person for the privilege of pursuing his profession or calling, whether
harmful or innocent, for the general purpose of producing a reliable source of revenue.
Bouvier' s 8th. A license fee is a tax. Bouvier 's 8th. In the law of contracts. A permission,
granted by a competent authority , conferring the right to do some act which without such
authorization would be illegal, or would be a trespass or tort. Also the written evidence of
such permission. Black’s 1st. A permit , granted by an appropriate governmental body,
generally for a consideration, to a person, firm, or corporation to pursue some occupation or
to carry on some business subject to regulation under the police power. A license is not a
contract between the state and the licensee , but is a mere personal permit . Black ’ s 6th. A
revocable permission to commit some act that would otherwise be unlawful. Black’s 7th.
See Note. Compare marque, mark , Mark of the Beast.
r

Note: Government has, via licensing , statutorily outlawed working and exchanging
— —
with others i.e. the process of surviving except as a privilege. Privileges can be
denied, suspended, and revoked. Licenses are issued only in the name of the
artificial-person TRADE NAME. When one applies for a driver license one is doing
so in the name of the straw man, and one is also affirming/attesting that the straw
man is a “driver” {a special commercial status) involved in the "transportation of
persons or property for hire or compensation,” an occupation that is a subject of
regulation under the police power. Police seek to enforce/maintain “person control.”

LIEN. [< L ligament tie, bandage] A qualified right of property which a creditor has in or over
specific property of his debtor, as security for the debt or charge or the performance of
some act. Black’s 1st. A claim, encumbrance, or charge on property for payment of some
debt, obligation or duty. Black’s 6th. “A fine imposed pursuant to the provisions of
subchapter C of chapter 227 of this title ... and is a lien in favor of the United States.. ” .
POSTSENTENCE ADMINISTRATION I8 USC § 3613 Ch. 229. A charge, hold, or claim
upon the property of another as security for some debt or charge. The term connotes the
right the law gives to have a debt satisfied out of the property to which it attaches, if
necessary by the sale of the property . Barron's 3rd. A charge or security or incumbrance
upon property.... Black’s 4th. See Commercial Lien , Note at House Joint Resolution
192 of June 5, 1933.

LIEN, COMMERCIAL, or COMMERCIAL LIEN. See commercial lien.

LIEN CREDITOR. (A) “Lien creditor” means any of the following: (i) A creditor that has
acquired a lien on the property involved by attachment , levy , or the like, (ii) An assignee for
benefit of creditors from the time of assignment , (iii) A trustee in bankruptcy from the date
of the filing of the petition, (iv) A receiver In equity from the time of appointment. (B) “Lien
creditor" does not include a creditor who by filing a notice with the Secretary of State has
acquired only an attachment or judgment lien on personal property , or both. UCC 9-
102(a){52).

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 LIMITED LIABILITY. Liability restricted by law or contract; esp. the liability of a company’s
owners for nothing more than the capital they have invested in the business. See Note.

Note: “Limited liability ” is a fabrication and a fraud. No statute of limitations and no

limited liability exists in commerce as per the maxims of law: “Once a fraud, always
a fraud,” and “A thing void in the beginning does not become valid by lapse of time.”
A limited liability person is: (1) a creature of contract; required to be insured and
bonded; bound to and limited by the contractual terms and conditions of the
insurance policy and bond creating, defining , and underwriting the person’s office;
(2) obligated to prove solvency to participate in any public forum or jurisdiction by
providing to any adverse party upon demand a copy of the insurance policy and
bond re said person’s office prior to any court proceeding ; and (3) defined by the
insurance policy and bond re the contractual terms and conditions of said person’s
office , scope of authority , basis of functioning , identity, rank , liability, and solvency .
The principles of equality under the law and the integrity of contracts demand that all
“public officials” alleging legal authority to use deadly force exercise scrupulous
integrity in the enforcement of the law said officials administer , in compliance with
contracts referencing and defining oath of office, job description, and the insurance
policy and bond that define, limit, and underwrite said official’s office .
LIVE BIRTH. Live birth means the complete expulsion or extraction from its mother of a
product of human conception, irrespective of the duration of the pregnancy, which after
such expulsion or extraction, breathes or shows any other evidence of life, such as beating
of the heart, pulsation of the umbilical cord, or definite movement of voluntary muscles,
whether or not the umbilical cord has been cut or the placenta is attached. Heartbeats are
to be distinguished from transient cardiac contractions; respirations are to be distinguished
from fleeting respiratory efforts or gasps. Model State Vital Statistics Act and Regulations ,
1992 Revision (U.S. Department of Health and Human Services). See Note.

Note: Per above, you are a “product” of human conception, i .e. “goods." See goods .

LOCATION OF DEBTOR , (a) Place of business. In this section , “place of business” means a
place where a debtor conducts its affairs, (b) Debtor’s location: general rules. Except as
otherwise provided in this section , the following rules determine a debtor's location: (1) A
debtor who is an individual is located at the individual's principal residence. (2) A debtor
that is an organization and has only one place of business is located at its place of
business. (3) A debtor that is an organization and has more than one place of business is
located at its chief executive office, (c) Limitation of applicability of subsection (b).
Subdivision (b) applies only if a debtor’s residence, place of business, or chief executive
office, as applicable, is located in a jurisdiction whose law generally requires information
concerning the existence of a nonpossessory security interest to be made generally
available in a filing, recording, or registration system as a condition or result of the security
interest’s obtaining priority over the rights of a lien creditor with respect to the collateral. If
subsection (b) does not apply, the debtor is located in the District of Columbia.,.. UCC 9-
307.

MAKER. “Maker” means a person who signs or is identified in a note as a person

undertaking to pay. UCC 3-103(5). The person who creates or executes a note, that is,
issues it, and in signing the instrument makes the promise of payment contained therein.
One who signs a check; in this context , synonymous with drawer. Black’s 6th.

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MAN. A human being. This definition includes not only the adult male sex of the human
species, but women and children; examples : “of offences against man, some are more
immediately against the king, other's more immediately against the subject.” Hawk. P.C.
book 1, c , 2, s, 1. Offences against the life of man come under the general name of
homicide, which in our law signifies the killing of a man by a man." Id. book 1, c. 8, s. 2 . 2.
In a more confined sense, man means a person of the male sex; and sometimes it signifies
a male of the human species above the age of puberty . Vide Rape. It was considered in the
civil or Roman law , that although man and person are synonymous in grammar , they had a
different acceptation in law; all persons were men, but all men, for example, staves, were
not persons, but things. Vide Barr, on the Stat. 216, note. Bouvier’s 6th.

MARITIME. Pertaining to navigable waters, i.e. to the sea, ocean, great lakes, navigable
rivers, or the navigation or commerce thereof. Black’s 6th. See navigable waters .

MARITIME JURISDICTION. Jurisdiction over maritime causes is granted to Federal district

courts. Procedure in maritime actions is governed by the Federal Rules of Civil Procedure
and Supp. Admiralty Rules. Black’s 6th.

MARITIME LAW. That system of law which particularly relates to commerce and navigation,
to business transacted at sea or relating to navigation, to ships and shipping, to seamen, to
the transportation of persons and property by sea, and to mariane affairs generally . Black’s
4th. That which the Congress has enacted or the Federal courts, sitting in admiralty, or in
..
the exercise of their maritime jurisdiction, have declared and would apply.. Substantively,
in the United States, it is federal law , and jurisdiction to administer it is vested in the federal
th
courts, though not to the entire exclusion of the courts of the states. Black’s 6 .

MARK. A iicense to make reprisals. See LETTER OF MARQUE. F&W. n. 1 A symbol, .

impression , or feature on something, usu. to identify it or distinguish it from something else.
th
2. TRADEMARK (1). 3. SERVICEMARK . Black’s 7 . Compare marque, letter of marque,
Mark of the Beast, servicemark , trademark.

.
MARK OF THE BEAST “And that no man might buy or sell, save he that had the mark, or
the name of the beast, or the number of his name.” Revelation 13:17, New Testament.
See Note, Gentile , Note at goods .

Note: The word “mark” is synonymous with “marque” and both words have the same
etymology. A common definition of the two is " a iicense of reprisal.” The definition
of license in Black’s 1 is: “In international law [ i.e, trade or commerce] Permission
st

granted by a belligerent state to its own subjects, or to the subjects of the enemy, to
carry on a trade interdicted by war.” As we have seen in the Amendatory Act of
March 9, 1933 to the Trading With the Enemy Act of October 6, 1917 (see Trading
With the Enemy Act of October 6, 1917, and iicense) “citizens of the United
States” were legally classified as enemies of their own government, To “do
business" with its new enemy, the U. S. Government thereafter instituted wholesale
licensing and issued marks/marques, or licenses, “to the subjects of the enemy, to
carry on a trade interdicted by war,” thus enabling American men and women to “buy
or sell” and otherwise engage in “trading with the enemy ” despite being at war.

The Chosen Masters consider you nothing more than an animal, a beast (see
Gentile) , to be birthed and bred, herded and harvested, and sold and slaughtered as
they see fit. For you, as a beast , to be identified and validated and permitted to “buy

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 or sell" in today’s industrial society you must have a special mark, without which you
are not allowed to participate. It is interesting that the word “mark " is also a
synonym for the terms "servicemark” and "trademark " (see servicemark,
trademark) , the special marks used to identify and distinguish “the services of a
certain provider ,” and products of a certain "manufacturer or seller," See Note at
goods .

MARQUE. A letter of reprisal on an enemy , as at sea in wartime, chiefly in the phrase letter
of marque . F&W . See letter of marque. Compare mark.

.
MATERNITY ACT OF 1921 See Note.

Note: In 1921, the federal Maternity Act created birth "registration," or what we now
know as the "birth certificate." It was known as the "Maternity Act" and was sold to
the American people as a law to improve maternal and infant mortality, for protecting
the health of mothers and infants, and for "other purposes." One of those other
purposes provided for the establishment of a federal bureau designed to cooperate
with state agencies in the overseeing of its operations and expenditures. The
Maternity Act was eventually repealed, but parts of it have been found in other
legislative acts.

MAXIMS OF COMMERCE. See Note, commerce .

Note: Commerce is antecedent to and more fundamental to society than courts or

legal systems, and exists and functions without respect to courts or legal systems,
but not vice versa. Commercial Law , the non-statutory variety as presented below
in Maxims 1-10, is the economic extension of Natural Law into man’s social world
and is universal in nature. The foundational, invariant, necessary , and sufficient
principles or “Maxims of Commerce" are:

1. A workman is worthy of his hire (Exodus 20:15; Lev. 19:13; Matt. 10:10;
Luke 10:7; II Tim. 2:6. Legal maxim: "It is against equity for freemen not
to have the free disposal of their own property.") .

2. All are equal under the Law (God's Law - Moral and Natural Law).
-
(Exodus 21:23-25; Lev. 24:17-21; Deut . 1:17, 19:21; Matt ., 22:36 40; Luke
10:17; Col. 3:25. Legal maxims: “No one is above the law."; "Commerce,
by the law of nations, ought to be common, and not to be converted into a
monopoly and the private gain of a few.") .

.
3 In Commerce truth is sovereign (Exodus 20:16; Ps. 117:2; John 8:32; II
Cor. 13:8. Legal maxim: "To lie is to go against the mind." Oriental
proverb: "Of all that is good, sublimity is supreme.”).

4. Truth is expressed by means of an affidavit (Lev . 5 :4-5; Lev. 6:3-5 ; Lev

19:11-13; Num. 30:2; Matt . 5:33; James 5:12) .

5. An unrebutted affidavit stands as the truth in Commerce (1 Pet. 1:25;

Heb. 6:13-15. Legal maxim: “He who does not deny, admits.").

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 6. An unrebutted affidavit becomes the judgment in Commerce (Heb. 6:16-
17. Any proceeding in a court, tribunal, or arbitration forum consists of a
contest, or “duel,” of commercial affidavits wherein the points remaining
unrebutted in the end stand as the truth and the matters to which the
judgment of the law is applied.).

7. A matter must be expressed to be resolved (Heb. 4:16; Phil. 4:6; Eph.

6:19-21. Legal maxim: “He who fails to assert his rights has none.”).

8. He who leaves the field of battle first loses by default (Book of Job; Matt.
10:22. Legal maxim: “He who does not repel a wrong when he can,
occasions it.”).

9. Sacrifice is the measure of credibility (One who is not damaged, put at

risk, or willing to swear an oath on his commercial liability for the truth of
his statements and legitimacy of his actions has no basis to assert claims
or charges and forfeits all credibility and right to claim authority.) (Acts 7,
life/death of Stephen , Legal maxim: “He who bears the burden ought also
to derive the benefit.”).

10. A lien or claim can be satisfied only through rebuttal by Counteraffidavit

point-for-point , resolution by jury, or payment (Gen. 2-3; Matt. 4;
Revelation. Legal maxim: “If the plaintiff does not prove his case, the
defendant is absolved.”).

Because truth is sovereign in commerce, and everyone is responsible for

propagating the truth in all speaking, writing, and acting, all commercial processes
function via affidavit certified and sworn on each affiant's commercial liability as
“true, correct, and complete,” attesting under oath re the validity, relevance, and
veracity of all matters stated, and likewise demanded. Usually in written matters,
such as on an IRS Form 1040, 8300, etc. , voter registration application, driver’s
license application , notary form for document certification , application for a Treasury
Direct Account, and on nearly every document that those who run the System desire
anyone to sign in a commercially binding matter, signature is required under penalty
of perjury “true, correct, and complete.” In a court setting, however, testimony (oral
commercial affidavit) is stated in the judicial equivalent by being sworn to be “the
truth, the whole truth, and nothing but the truth, so help me God.” As well as the
need for asserting all matters under solemn oath of personal, commercial, financial,
and legal liability for the validity of each and every statement, participant must
provide material evidence, i.e. ledgering/bookkeeping , substantiating that each fact
or entry is true, valid, relevant, and verifiable. Without said acceptance of liability
and facts provided to support one’s assertions, no credibility is established.
Inasmuch as commerce existed before, and can continue to exist irrespective of
—
courts and legal systems but not vice versa ommerce is a more fundamental
aspect of life than courts and legal systems.

MEDIUM OF EXCHANGE. A substance used to transfer energy from one source to another.
American Heritage Dictionary.

MISSION. A definite task assigned to an individual or unit of the armed forces. F&W. See
Note.

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 Note: Apparently Department of the Treasury (IRS, BATF, SEC, etc. ) and other
quasi-governmental and governmental agencies are de facto military units because
they each operate off a prescribed "mission.”

MIXED WAR. Mixed war is war carried on between a nation on one side and private
individuals on the other. W&P, Vol, 27. See Note, “Mixed War” in Appendix . Compare
dutocracy.

Note: Mixed war occurs whenever the government of a nation is an enemy of, and at
war against, its own people. The most insidious and perfidious type of mixed war
exists when the government acts against the people under guise of protecting the
people’s rights and upholding the nation’s most cherished values and ideals. In such
case government officials are “wolves in sheep’s clothing," occupying positions of
prestige and power, with the support of the people, white treasonously betraying that
trust. This is an ideal confidence game whereby arch-charlatan criminals can engage
in piracy on an ongoing basis under color of law and be tolerated or even treated as
heroes by their victims. (For a more comprehensive treatment of this subject see
article in Appendix entitled “Mixed War . ”)

.
MONEY “Money" means a medium of exchange authorized or adopted by ...government... ”
UCC 1-201(24). See Note.

Note: Before the 1933 bankruptcy of the US Government, money consisted of gold
and silver specie , as well as their equivalent in certificate form. Gold -which is
—
portable land, substance is the money of sovereigns. Fiat money, i.e. "money by
—
decree,” “Monopoly money ,” is the money of artificial persons, called banks,
corporations (governments), trusts , and “individuals” (see individual), etc.

MONOPOLY . Trademark . A board game in which a player attempts to gain a monopoly

of real estate by advancing around the board and purchasing property, acquiring capital by
collecting rent from other players whose pieces land on his property. Webster’s. See Note,
Federal Reserve Notes.

Note: First copyrighted in 1935 by Parker Brothers. Logo includes the caricature of
an English banker , replete with top hat, tails, and cane. Another allegorical clue from
the Powers That Be as to what is actually going on (monopolization of all ownership
of real estate/land and wealth). The objective in the game of Monopoly is to drive
into bankruptcy all other players, an arrangement otherwise known as a “tontine*
wagering scheme.” If you examine the nature of economics in America today you
rd
will see that all land is owned by the state (see Senate Document 43, 73
Congress, 1st Session), and everyone is competing for the same, fixed amount of
“Monopoly money,” called Federal Reserve Notes (FRNs), and attempting to “stay
above water" and avoid bankruptcy . This is, by definition , a de facto state of war
—
between participants in both the board game and the game of life. The only way to
stay in the game of Monopoly and avoid bankruptcy is to obtain more
Monopoly money from other players. The only way to stay in the game of life and
avoid bankruptcy is to somehow obtain more FRNs (acquire more liability/debt
instruments/debt) called “money" from those around you.
*TONTINE. [It.tontina , after its inventor , Lorenzo Tonti , a Neopolitan] A
financial arrangement in which a group of participants share in the
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 arrangement’s advantages until all but one has died or defaulted, at which
time the whole goes to that survivor.

MONSTER. A human-being by birth, but in some part resembling a lower animal. A monster
hath no inheritable blood and cannot be heir to any land. Ballentine’s Law Dictionary. 1930. A
prodigious birth; a human birth or offspring not having the shape of mankind; which cannot be
heir to any land, albeit it be brought forth in marriage. Black’s 1st. See Note.

Note: Under “human being” Ballentine’s says only “See monster.” Neither of the
above major law dictionaries defines “human being,” only “monster.”

MORTGAGE. “Mortgage” means a consensual interest in real property, including fixtures,

which secures payment or performance of an obligation. UCC 9-102(a)(55). See Note.

Note: Mortgage , another “gift” of Norman French attorneys, comes from the French
mort dead + gage pledge, “dead pledge,” i. e. killing of the pledge through payment.

NAME. Names are divided into Christian names , as, Benjamin, and surnames, as,
Franklin. No man can have more than one Christian name; though two or more names
usually kept separate, as John and Peter, may undoubtedly be compounded, so as to form,
in contemplation of law, but one. A letter put between the Christian and surname, as an
abbreviation of a part of the Christian name, as, John B. Peterson, is no part of either.
Bouvier’s 6th.

NATURAL LAW. Law which so necessarily agrees with the nature and state of man, that
without observing its maxims, the peace and happiness of society can never be
preserved.... [Knowledge of [natural laws] may be attained merely by the light of reason,
from the facts of their essential agreeableness with the constitution of human nature.
Natural law exists regardless of whether it is enacted as positive law, although there may
be instances where natural law cannot be judicially enforced. Barron’s 3 .
rd

NATURAL PERSON. A human being, as opposed to artificial or fictitious “persons, ” such as

corporations. The phrase “natural person” does not include corporate entities, but the
phrase “person, ” without qualification, may or may not include artificial persons, depending
on the context. Thus, the phrase “no person” in the Fourteenth Amendment’s equal
protection clause has been held to include natural and artificial persons , but the same
-
phrase “no person” in the Fifth Amendment’s “privilege against self incrimination” clause
has been held to include only natural persons and not corporations since the privilege is
.
rd
personal and may not be asserted by an artificial person. Barron’s 3 See Note .
Note: This is how the IRS justifies insisting that flesh-and-blood men and women
testify against themselves: people answer up when the name of their fictitious
TRADE NAME is called and the IRS enforces its commercial agenda against people
by treating them like their TRADE NAME. The above definition is enlightening, but it
is taken from a law dictionary. Please realize that, in the scheme of life, it is just as
impossible for a “person” to be “natural” as it is for a man to be artificial.

NATURE AND CAUSE. See below .

NATURE. A fundamental quality that distinguishes one thing from another; the essence
of something. Black’s 7th. See Note.

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 CAUSE. That which produces an effect ; whatever moves, impels , or leads . The origin or
foundation of a thing , as of a suit or action; a ground of action. Black's 1st. See Note .

Note: The right of an accused party to be informed of the “nature and cause” of any
criminal accusation is secured by the Sixth Amendment of the Constitution. This term
concerns the two (2) absolutely essential elements necessary to establish claims,
charges, and demands as commercially and lawfully valid, both criminal and civil, and
without which any matter affirmed is devoid of credibility and legal force and effect:
* NATURE. The nature of an accusation is the proof, i.e.
ledgering /bookkeeping
set forth with a one-to-one accounting of goods or services provided or
offenses committed with corresponding monetary values , with each and every
matter established by affidavit sworn on the commercial liability of the
executing party .
• CAUSE. Only individual free-will men and women can act ; nations,
governments, and agencies cannot act. At the origin of each and every
allegation and act is the man/woman who is the cause thereof. The cause of
an accusation is therefore the particular man/woman who can initiate
allegations, claims, and charges, the credibility of which is established by the
degree of commercial liability the alleging party stakes on what he/she
asserts. By initiating something that can cause another harm/loss, the
alleging party simultaneously agrees to be held personally , legally , and
commercially accountable and liable for the accuracy, validity, relevance, and
verifiability of everything stated, claimed, and demanded in the Affidavit. The
degree of credibility of alleged statements, claims, and charges is established
by the extent of the liability the accuser places at risk , to be forfeited in the
event anything he/she states is untrue, in accordance with the Commercial
Maxim: “ Sacrifice is the measure of credibility .”

NEGOTIABLE. [< L negotiates traded , equivalent to negoti(um ) business (neg - not + otium
liesure) + -ABLE] "Negotiable" means that which is capable of being transferred by
assignment; a thing which may be transferred by a sale and indorsement or delivery .
Black’s 1st; adj . ( of bills, securities, etc. ) transferable by delivery, with or without
endorsement , according to the circumstances, the title passing to the transferee.
Webster’s.

NEGOTIABLE INSTRUMENT. A writing which is signed by the maker or drawer, contains an

unconditional promise or order to pay a sum certain in money, is payable on demand or at a
definite time , and is payable to order or to bearer. Barron' s 3rd. (a) Except as provided in
subdivisions (c) and ( d), “negotiable Instrument” means an unconditional promise or order
to pay a fixed amount of money, with or without interest or other charges described in the
promise or order, if it is all of the following: (1) It is payable to bearer or to order at the time it
is issued or first comes into possession of a holder. (2) Is payable on demand or at a
definite time . (3) Does not state any other undertaking or instruction by the person
promising or ordering payment to do any act in addition to the payment of money, but the
promise or order may contain ( i) an undertaking or power to give , maintain, or protect
collateral to secure payment, (ii) an authorization or power to the holder to confess
judgment or realize on or dispose of collateral , or (iii) a waiver of the benefit of any law
intended for the advantage or protection of an obligor, (b) “Instrument” means a
negotiable instrument , (c) An order that meets all the requirements of subdivision (a) ,

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except paragraph (1) and otherwise falls with the definition of “check” in subdivision (f) is a
negotiable instrument and a check, (d) A promise or order other than a check is not an
instrument if, at the time it is issued or first comes into possession of a holder, it contains a
conspicuous statement, however expressed, to the effect that the promise or order is not
.
negotiable or is not an instrument governed by this division. . UCC 3-104. A negotiable
instrument is a written promise or request for the payment of a certain sum of money to
order or to bearer. A general name for bills, notes, checks, transferable bonds or coupons,
letters of credit and other negotiable written securities. Black’s 1st. See Note.

NEW DEBTOR. ’’New debtor” means a person that becomes bound as debtor under
subdivision (d) of Section 9203 by a security agreement previously entered into by another
person. UCC 9-102(a)(56).

NOBILITY. An order of men in several countries to whom privileges are granted at the
expense of the rest of the people. Bouvier's 6th. n. pi. 1. Persons of social or political
preeminence, usu. derived by inheritance or from the sovereign... Black’s 7th. The
constitution of the United States provides that no state shall “grant any title of nobility; and no
person can become a citizen of the United States until he has renounced all titles of nobility.”
The Federalist, No. 84; 2 Story, Laws U. S. 851. Bouvier’s 6th (1856).

Note: Judges and attorneys hold a British title of nobility from the Crown and act as
esquires, or shield-bearers, for and between the king/queen and those whom the
king/queen wishes to engage in battle.

NOM . Used in expressions demoting a pseudonym, a false or assumed name. OED. See
nom de guerre.

NOM DE GUERRE. [F, lit., war name] A fictitious name. Webster's Third New International
Dictionary of the English Language Unabridged, 1976. Lit. ‘war name’, a name assumed
by, or a name assigned to, a person engaged in some action or enterprise. OED. See
Note, Compare nom.

Note: Any fictitious name is a war name, or nom de guerre . The U.S. government,
formally at war with you since the Amendatory Act (March 9, 1933) to the Trading
With the Enemy Act (October 6, 1917), used the legal-fiction artifice of the “right to
presume” on your behalf, and assigned you a false name, a war name in the form of
your all-capital-letters, straw-man name, nom de guerre TRADE NAME. See legal
fiction .

NON-NEGOT1ABLE. Not negotiable; not capable of passing title or property by indorsement

and delivery. Black's 1st. Any document of title that is not a negotiable document. An
instrument which may not be transferred by indorsement and delivery or by delivery alone,
though it may be assigned. Black’s 6th. See Note, negotiable.

Note: The word “Non-Negotiable,” appearing on what might otherwise look like a
negotiable instrument, signifies that (1) the contract is not negotiable and strictly
private; (2) both between drawer and drawee and obligor and obligee only; and (3)
the debtor/payee may pass title/transfer the document neither by delivery nor by
indorsement, but only through assignment. See drawee , preferred stock.

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 NON PROSEQUITUR. Lat . He does not follow up, or pursue. If, in the proceedings in an
action at law , the plaintiff neglects any of those steps which he ought to take within the time
prescribed by the practice of the court for that purpose, the defendant may enter judgment
of non pros against him, whereby it is adjudged that the plaintiff does not follow up ( non
prosequitur ) his suit as he ought to do, and therefore the defendant ought to have
judgment against him. Under current rules practice such failure would result in a dismissal
of the action or in a default judgment for defendant. Fed.R . Civil P. 41, 55. Black's 6th. See
Note:

Note: When any plaintiff fails to respond as required, under the principle of non
prosequitur the defendant may enter judgment for dismissal for plaintiffs failure in
following up as he/she should.

.
NOTARY PUBLIC A public officer whose function is to attest and certify, by his hand and
official seal, certain classes of documents, in order to give them credit and authenticity in
foreign jurisdictions, to take acknowledgments of deeds and other conveyances, and certify
the same; and to perform certain official acts , chiefly in commercial matters, such as the
protesting of notes and bifls , the noting of foreign drafts, and marine protests in cases of
loss or damage. Black ’s 1st. An officer appointed by the executive, or other appointing
power, under the laws of different states. Their duties are generally prescribed by such
laws. The most usual of which are, 1. To attest deeds, agreements and other instruments,
in order to give them authenticity. 2 . To protest notes , bills of exchange , and the like . 3. To
certify copies of agreements and other instruments. Bouvier's 6th . Notaries are of very
ancient origin they were welt known among the Romans, and exist in every state of Europe,
and particularly on the continent. Bouvier's 6th. Their acts have long been respected by the
custom of merchants and by the courts of all nations. Bouvier’s 6th.
• . i

Note: Notaries public are “officers of the state” and, in some States, notaries may
become officers of the court, as well. The seal of a notary public gives a document
credit and authenticity in foreign jurisdictions, i. e. international jurisdiction; hence the
apostille { see apostille ) . A notary public performs certain official acts “chiefly in
commercial matters.” Commerce is pre-judicial and non-judicial. Notaries public
once played a major role in world commerce, and still retain the same powers,
though many have fallen out of use since America began using private, non-
substance, fiat (by decree) money (Federal Reserve Notes) .

NOTE. A writing acknowledging a debt and promising payment. For the instrument to be
negotiable it must be signed by the maker and contain an unconditional promise to pay a
sum certain in money on demand or at a definite time to order or to bearer. A note is not
payment but only a promise to pay . The term note is synonymous with promissory note.
The term may be qualified by its unique characteristics. For example, a note that is backed
by a pledge of collateral such as real or personal property is called a secured note.
Barron’ s 3rd.

.
OATH An affirmation of truth of a statement, which renders one willfully asserting untrue
statements punishable for perjury . An outward pledge by the person taking it that his
attestation or promise is made under an immediate sense of responsibility to God. A
solemn appeal to the Supreme Being in attestation of the truth of some statement . Black's
5m.

.
OBLIGATION Not defined in the UCC.
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OBLIGEE. One who is entitled to receive a sum of money or to have an act or deed
performed as promised or agreed to by the obligor. Barron's 3rd. Compare obligor.

OBLIGOR. "Obligor” means a person that, with respect to an obligation secured by a

security interest in or an agricultural lien on the collateral, (i) owes payment or other
performance of the obligation, (ii) has provided property other than the collateral to secure
payment or other performance of the obligation, or (iii) is otherwise accountable in whole or
in part for payment or other performance of the obligation. The term does not include
issuers or nominated persons under a letter of credit. UCC 9-102(a)(59). One who has
promised or is otherwise obligated to perform an act or deed, such as the payment of a sum
*
of money under a promissory note or other contract. Barron's 3 . Compare obligee.

OFFER. A proposal to do a thinq. A proposal to make a contract. Also an attempt Black’s

1st.

ORDER. In a general sense. A mandate; precept; a command or direction authoritatively

given; a rule or regulation. In practice. Every direction of a court or judge made or entered
in writing, and not included in a judgment is denominated an “order.” An application for an
order is a motion. An order is also an informal bill of exchange... It is further a designation
to whom a bill of exchange or negotiable promissory note is to be paid. Black’s 1 . See
Note.

Note: None of the above definitions are incompatible with each other as regards the
courtroom setting. The “Order of the court” is a pecuniary mandate for funds and is
directly related with “charges.” In this sense it is not dissimilar with a “money order.”

ORGANIZATION. “Organization” includes a corporation, government or governmental

subdivision or agency, business trust, partnership or association, two or more persons
having a joint or common interest, or any other legal or commercial entity. UCC 1-201(28).
See Note.

Note: The term applies when “two or more persons” are involved in a specific
commercial/contractual relationship, as well as with any other entity involved in
commerce; ail “individuals,” i.e. all straw men TRADE NAMES, fall under the
definition of organization.

ORDER. “Order” means a written instruction to pay money signed by the person giving the
instruction. The instruction may be addressed to any person , including the person giving
the instruction, or to one or more persons jointly or in the alternative, but not in succession.
An authorization to pay is not an order unless the person authorized to pay is also
instructed to pay. UCC 3-103(6).

ORIGINAL DEBTOR. "Original debtor,” except as used in subdivision (c) of Section 9310,
means a person that, as debtor , entered into a security agreement to which a new debtor
has become bound under subdivision (d) of Section 9203. UCC 9-102(a)(60).

PARTY . “Party ” means a party to an instrument. UCC 3-103(8).

PASSPORT. In international law. A document issued to a neutral merchant vessel, by her

own government, during the progress of a war, and to be carried on the voyage, containing
a sufficient description of the vessel, master, voyage, and cargo to evidence her nationality

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 and protect her against the cruisers of the belligerent powers. This paper is otherwise
called a “pass , ” sea-pass,” sea-letter,” or “sea-brief.” A license or safe conduct, issued
during the progress of a war authorizing a person to remove himself or his effects from the
territory of one of the belligerent nations to another country, or to travel from country to
country without arrest or detention on account of the war .... Black’s 1st. ... In most
countries of continental Europe passports are given to travellers (sic). These are intended
to protect them on their journey to protect them from all molestation while they are obedient
to the laws. The secretary of state may issue, or cause to be issued, in foreign countries by
such diplomatic or consular officers of the United States, and under such rules as the
president may prescribe, passports, but only to citizens of the United States. Bouvier’s 8th.
See vessel .

Note: A passport is issued “to a ...vessel,” i.e. “citizen of the United States” TRADE
NAMES in times of war. The US government officially declared war on all “citizens
of the United States” persons in the Amendatory Act of March 9, 1933 (a/k/a
Emergency Banking Relief Act) to the Trading With the Enemy Act of October 6,
1917. See Monopoly TM “Executive Order Outlawing Ownership of Gold" in
Appendix , i . e. “Under Executive Order of the President,” issued April 5, 1933.

PAY. v . To discharge a debt by tender of payment due; to deliver to a creditor the value of
a debt, either in money or in goods for his acceptance. UGC 2-511, 3-604. Black’s 6th.
See payment, redemption .

PAYEE. In mercantile law. The person in whose favor a bill of exchange, promissory note,
or check is made or drawn; the person to whom or to whose order a bill, note, or check is
made payable. Black's 1st. See Note.

PAYMENT. The fulfillment of a promise, or the performance of an agreement. A discharge

of an obligation or debt... In a more restricted legal sense payment is the performance of a
duty, promise, or obligation, or discharge of a debt or a liability, by the delivery of money or
other value by a debtor to a creditor , where the money or other valuable thing is tendered
and accepted as extinguishing debt or obligation in whole or in part. Also, the money or
other thing so delivered. UCC 2-511 , 3-604. Black 's 6th. See redemption.

PAYMENT INTANGIBLE, "Payment intangible” means a general intangible under which

the account debtor’s principal obligation is a monetary obligation. UCG 9-102(a)(61)
th
PECUNIARY. Of or relating to money; monetary . Black’s 7 .

PEONAGE. The condition of a peon [formerly, a debtor kept in virtual servitude until he had
worked out his debt], or the system of employing this form of labor. F&W.
PERFECT. v . To legally establish.Security interest in collateral is perfected when a
document describing the collateral is entered into the records of the UCC office. WSUG.
Compare attach.

PERFECTION OF SECURITY INTEREST. In secured transactions law, the process whereby a

security interest is protected, as far as the law permits, against competing claims to the
collateral, which usually requires the secured party to give notice of the interest as by filing
in a government office ( e.g. in office of Secretary of State). Perfection of a security
interest deals with those steps legally required to give a secured party interest in subject
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property against debtor’s creditors. Black ’s 6th. A security interest is perfected when it
has attached and when all the applicable steps required for perfection have been taken.
Such steps are specified in Sections 9-302, 9-304, 9-305 and 9-306. If such steps are
taken before the security interest attaches, it is perfected at the time when it attaches.
UCC 9-303(1) . See attach.

PERSON, ’’noun , per'sn. [Latin persona : said to be compounded of per , through or by, and
sonus , sound; a Latin word signifying primarily a mask used by actors on the stage.]”
Webster's 1828 Dictionary . [< L persona mask] Persons are divided by law into natural
and artificial . Natural persons are such as the God of nature formed us; artificial persons
are such as are created and devised by human laws, for the purposes of society and
government, which are called “corporations" or “bodies politic.” Black 's 1st . “Persons" are
of two kinds, natural and artificial. In law , a human being is called a “natural person.”
Artificial persons include a collection [corporation aggregate] or succession of natural
th
persons [successive officeholders in a corporation sole] forming a corporation. Black’s 4 .
In law, an individual or incorporated group having certain legal rights and responsibilities.
This has been held to include foreign and domestic corporations. Precise definition and
delineation of the term has been necessary for purposes of ascertaining those to whom the
Fourteenth Amendment to the U S. Constitution affords its protection since that
amendment expressly applies to “persons.” Barron's 3rd. Compare natural person. See
Uniform Negotiable Instruments Law , § 191; Uniform Sales Act, § 76 ; Uniform Warehouse
Receipts Act , § 58. See Note.

Note: The TRADE NAME is a “ person ,” a “mask” for the sentient, living being who
uses it. The TRADE NAME is a fictitious person whose name is written in “legatese,”
i.e. a language foreign constructed outside the bounds of English grammar. The
true names of men and women , written properly, i. e. initial letters only capitalized,
are sometimes called “natural persons." However, it is just as impossible for a
“person” to be “natural” as it is for a man to be artificial. “Person" is a moniker
hatched by lawyers, introduced for generating confusion in the mind of non-esquire
victims between the actual and the artificial. See straw man.

PLEDGE. A deposit of personal property as security for a debt; delivery of goods by a

debtor to a creditor until the debt is repaid; generally defined as a lien or contract that calls
for the transfer of personal property only as security . The pledgor can pledge intangible as
well as tangible personal property as long as it is capable of delivery , and it can confer
ownership rights upon the person to whom delivery is made. Barron' s 3 . See Note.
rd

Note: The bankrupt US Government pledged your body, labor, and property as
collateral for a loan of credit (Federal Reserve Notes) using your birth certificate
(negotiable document , document of title) as the security for the loan.

PONZI SCHEME , (pon-zee). A fraudulent investment scheme in which money contributed by

later investors generates artificially high dividends for the original investors, whose example
attracts even larger investments. * Money from the new investors is used directly to repay or
pay interest to old investors, usu. without any operation or revenue-producing activity other
than the continual raising of new funds. This scheme takes from Charles Ponzi , who in the
th
late 1920’s was convicted for fraudulent schemes he conducted in Boston. Black ' s 7 . See
“The Curse of Co-Suretyship” in Part I of this manual.

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 POSITIVE LAW. Law actually and specifically enacted or adopted by proper authority for the
government of an organized jural society . Black ’s 6th.

POSSESSORY. Relating to possession; founded on possession; contemplating or claiming

possession. Black’s 1st.

POSSESSORY LIEN. A lien allowing the creditor to keep possession of the encumbered
property until the debt is satisfied. Black’s 7th. See “UCC 9-333. Priority of certain liens
.
arising by operation of law " in this Glossary .

Note: The new security agreement in this manual evidences a possessory lien
(common-taw lien) re certain collateral, giving the secured party right of possession of
every such item of a debtor's property until the obligation is satisfied. A possessory
lien has priority over a security interest in goods.

POSTLIMINIUM. A fiction of the civil law , by which persons or things taken by the enemy
were restored to their former status on coming again under the power of the nation to which
they formerly belonged.... Bouvier’s 8th. Compare postliminy.

POSTLIMINY. "The right of 'postlimini,' says Vattel, is that in virtue of which persons and
things taken by the enemy are restored to their former state on coming actually into the
power of the nation to which they belong....” "Postliminy ” is defined to be the principle of
the law of nations under which property , if taken by the enemy in time of war , is restored to
its former state upon coming again under the power of the nation to which it formerly
..
belonged. , W&P, Vol. 33 . Compare postliminium.

PREFERRED. Possessing or accorded a priority, advantage, or privilege. Generally

denoting a prior or superior claim or right of payment as against another thing of the same
kind or class. Black's 4th . See stock.

.
PRESENTMENT. ... 2 A formal written accusation returned by a grand jury on its own
initiative, without a prosecutor's previous indictment request . "A grand jury has only two
functions, either to indict or to return a ‘no bill.’ The Constitution speaks also of a
‘presentment , ' but this is a term with a distinct historical meaning now not well understood.
Historically presentment was the process by which a grand jury initiated an independent
investigation and asked that a charge be drawn to cover the facts should they constitute a
crime. With United States attorneys now always available to advise grand juries,
proceeding by presentment is now an outmoded practice. 1 Charles Alan Wright, Federal
Practice and Procedure § 110, at 459 (3rd ed. 1999).” 3. The formal production of a
negotiable instrument for acceptance or payment. "Presentment and dishonor occur, for
instance, when the holder of a check attempts to cash it at the drawee bank but payment is
refused because the drawer lacks sufficient funds on deposit . The demand for payment is
the presentment. The bank’s refusal to pay is dishonor. 2 James J . White & Robert S.
Summers, Uniform Commercial Code, § 16-8, at 100 (4th ed. 1995).“ Black’s 7th.
“Presentment'' means a demand made by or on behalf of a person entitled to enforce an
instrument (1) to pay the instrument made to the drawee or a party obliged to pay the
instrument, or in the case of a note or accepted draft payable at a bank, to the bank, or (2)
to accept a draft made to the drawee.... UCC 3-501(a). ... may be made by any
commercially reasonable means, including an oral, written, or electronic communication; is
effective when the demand for payment or acceptance is received by the person to whom
presentment is made , ...
UCC 3-501(1). The production of a negotiable instrument [bill of
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 exchange] to the drawee for his acceptance, or to the drawer or acceptor for payment ; or of
a promissory note to the party liable, for payment of the same. Presentment is a demand
for acceptance or payment made upon the maker , acceptor , drawee or other payor by or on
behalf of the holder . U.C.C. § 3-504(1). Black’s 6th. See Note, summary proceeding.

Note: Notice that the identical terms are used in the definitions when speaking both
of criminal matters and financiat/commercial matters. In criminal matters, a bill ,
called a "true bill,” is issued by the grand jury. A bill is a list of charges, both
criminally and financially; a true bill is a list of charges that is sworn "true, correct,
and complete” (affidavit). In financial matters, a presentment can only be one of the
following: (!) a demand for payment of a negotiable instrument; (2) a demand for
acceptance ( of responsibility for payment/performance) re a negotiable instrument.

PRESUMPTIONS; NATURE, Except as otherwise provided in section 1-202, the

presumptions established by this code are presumptions affecting the burden of
producing evidence. UCC 1-210.

PRESUMPTION. A presumption is an assumption of fact that the law requires to be made

from another fact or group of facts found or otherwise established in the action. A
presumption is not evidence . A presumption is either conclusive or rebuttable. Every
rebuttable presumption is either (a) a presumption affecting the burden of producing
evidence or (b) a presumption affecting the burden of proof. Black’s 6th. A disputable
presumption, called also an “inconclusive” or "rebuttable” presumption , is an inference of
law which holds good until it is invalidated by proof or a stronger presumption. Black’s 4th .
See Note, disputable presumption, rebuttable presumption , legal fiction .

Note: Re ownership of your TRADE NAME, a presumption of ownership was made

and title thereto (birth certificate) was taken without knowledge and consent of both
your mother and you. Such presumption is nullified via the publication of the
copyright notice under common law, and is further amplified with the filing of a UCC
Financing Statement .

PRIORITY. Precedence; going before . A legal preference or precedence. When two

i persons have similar rights in respect of the same subject-matter, but one is entitled to
exercise his right to the exclusion of the other, he is said to have priority. Black’s 4th.
PRIVATE BANK. An unincorporated banking institution owned by an individual or
partnership and, depending on state statutes, subject to or free from state regulation.
Black’s 1st . See banker.

PRIVATE BANKER. A private banker is one who conducts the business of banking without
incorporation, and without any special privilege or authority of law (Perkins v . Smith, 116
N.Y. 441; People v. Doty, 80 N. Y. 225). A private banker may , when not prohibited by law,
conduct the business of banking, and may make such lawful contracts with his dealers in
relation thereto, as to receiving and the repayment of money , as may be mutually agreed
upon between the parties. A private banker , then , is one who conducts the business of
banking without incorporation, or a fixed capital stock invested; which is by law required of
all duly Incorporated banks, excepting mutual savings banks which, under the law as
enacted by some of the States , may become incorporations for the purpose of doing a
savings bank business , without capital stock. Magee on Banks and Banking — A Treatise
on the Law of National and State Banks, 1906 .

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 Note: Per 31 USC 5312(a)(2)(C) every private individual is a “ financial institution”
and a "private banker . " in Bank of Augusta v. Earle. 13 pet (US) 519, the court
ruled, “A Private Individual has as much privilege as banks..."

PRIZE. In admiralty law. A vessel or cargo, belonging to one of two belligerent powers,
apprehended or forcibly captured at sea by a war vessel or privateer of the other belligerent,
and claimed as enemy’s property, and therefore liable to appropriation and condemnation
under the laws of war. Black’s 1s . See prize law , booty , vice-admiralty courts.

Note: Prize on land is called “booty.” See booty .

PRIZE LAW. The system of taws and rules applicable to the capture of prize at sea; its
condemnation , rights of the captors, distribution of the proceeds, efc. Black’s 1st. See vice-
admiralty courts , booty .

PROCEEDS. "Proceeds , ” except as used in subdivision (b) of Section 9609, means any of
the following property (A) Whatever is acquired upon the sale, lease, license, exchange, or
other disposition of collateral. (B) Whatever is collected on , or distributed on account of,
collateral. (C) Rights arising out of collateral. (D) To the extent of the value of the collateral,
claims arising out of the loss , nonconformity , or interference with the use of, defects or
infringement of rights in, or damage to, the collateral. (E) To the extent of the value of the
collateral and to the extent payable to the debtor or the secured party , insurance payable by
reason of the loss or nonconformity of, defects or infringement of rights in, or damage to,
the collateral. UCC 9-102(a)(64). Anything that is used to guarantee the payment of a loan
or the fulfillment of some other obligation. WSUG.

PROMISE. "Promise” means a written undertaking to pay money signed by the person
undertaking to pay . An acknowledgment of an obligation by the obligor is not a promise
unless the obligor also undertakes to pay the obligation." UCC 3-103(9).

PROMISSORY NOTE. "Promissory note”* means an instrument that evidences a promise

to pay a monetary obligation, does not evidence an order to pay , and does not contain an
acknowledgment by a bank that the bank has received for deposit a sum of money or funds.
UCC 9-102(a)(65), A note; a kind of negotiable instrument wherein the maker agrees
.
(promises) to pay a sum certain at a definite time Barron's 3rd. See Note.

*”... What they [banks] do when they make loans is to accept promissory notes in
.
exchange for credits to the borrowers' transaction accounts . .” Modem Money
Mechanics , page 6, Federal Reserve Bank of Chicago, 1992.

Note: "Promissory note” is synonymous with “note.” The last section of the first
definition above tacitly acknowledges that a “borrower’s” promissory note
constitutes funds/money. Banks do not loan substance. Per banking regulations
and “generally accepted accounting principles” banks are forbidden from loaning the
bank’s assets and likewise the assets of the bank’s depositors. As confirmed in the
above excerpt from Modern Money Mechanics, The signed promissory note
constitutes the sole source of the funds that are “loaned” for the benefit of the
“borrower.” No substance is loaned. The so-called “transaction account” referenced
in the above excerpt from Modern Money Mechanics goes on the bank’s books
exactly as a demand deposit (checking , savings, passbook, time) account would.
The “borrower’Ycustomer is actually the lender and creditor of the bank; the bank is
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 actually the borrower and debtor of the customer. The bank issues a "pretend loan"
which is actually the borrower’s/depositor’s own funds taken from the “transaction
account" created upon the “borrower’s’Vcustomer’s execution of the promissory
note and the bank's subsequent “deposit" of the promissory note (the “money”)
into the account . See House Joint Resolution 192 of June 5, 1933 .

PROPER. Gram . a. (of a name, noun , or adjective) designating a particular person or thing ,
written in English with an initial capital letter: John , Chicago , Monday , American . ... ACED.
in grammar , used to designate a specific individual, place, etc. : Donald, Rover, Boston , etc.
are proper nouns, written with an initial capital tetter. WEBSTER’S NEW TWENTIETH
CENTURY DICTIONARY OF THE ENGLISH LANGUAGE. Unabridged Second Edition , 1975.

Note: A true name has an initial capital letter only. There is no provision in the rules
of English grammar for proper nouns to be written any other way, including an all-
capital letters format. An all-capital letters name is a legal artifice, existing only “by
force of or in contemplation of law." See capital letter , all-capital letters-written,
artificial .

PROPIA PERSONA . See in propia persona

PROPOSAL. "Proposal” means a record authenticated by a secured party that includes the
terms on which the secured party is willing to accept collateral in full or partial satisfaction of
the obligation it secures pursuant to Sections 9620, 9621 , and 9622 . UCC 9-102(a)(66).

PROTEST. ...A notarial act, being a formal statement in writing made by a notary under his
seal of office, at the request of a holder of a bill or note, in which such bill or note is
described, and it is declared that the same was on a certain day presented for payment (or
acceptance, as the case may be,) and that such payment or acceptance was refused, and
stating the reasons, if any, given for such refusal, whereupon the notary protests against all
parties to such instrument, and declares that they will be held responsible for all loss or
damage arising from its dishonor .... Black ' s 1st .

PROVE. “Prove” with respect to a fact means to meet the burden of establishing the fact
(subdivision (8) of Section 1-201). UCC 3-103(10).

PUBLIC, adj. Pertaining to a state, nation, or whole community; proceeding from, relating
to, or affecting the whole body of people or an entire community . Open to all; notorious.
Common to all or many; general; open to common use. Belonging to the people at large;
relating to or affecting the whole people of a state, nation, or community ; not limited or
th
restricted to any particular class of the community. Black 's 6 . “That vast multitude, which
includes the ignorant , the unthinking, and the credulous, who in making a purchase, do not
stop to analyze, but are governed by general appearance and General impressions. J .W.
Collins Co. v. F.M. Paist Co. (DC Pa) 14 F2d614). Ballentine’s Law Dictionary.

PUBLIC CORPORATION. Public corporations are those which are exclusively instruments
of the public interest. Bouvier's 8th. An artificial person... created for the administration of
public affairs. Unlike a private corporation it has no protection against legislative acts
altering or even repealing its charter. Instrumentalities created by state, formed and owned
by it in public interest , supported in whole or in part by public funds, and governed by
managers, deriving their authority from state. Black's 6lh. See Note.

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 .
PUBLIC DEBT That which is due or owing by the government. Bouvier’s 6m .
PUBLIC ENEMY. This word, used in the singular number , designates a nation at war with the
United States, and includes every member of such nation. To make a public enemy , the
government of the foreign country must be at war with the United States; for a mob,
howsoever numerous it may be, or robbers, whoever they may be, are never considered as
a public enemy . Bouvier’s 6th. See Note.

Note: Declared public enemies of the United States are, by definition, citizens of a
foreign country /nation.

PUBLIC LAW. That branch or department of law which is concerned with the state in its
political or sovereign capacity, including constitutional and administrative law , and with the
definition, regulation, and enforcement of rights in cases where the state is regarded as the
subject of the right or object of the duty,—including criminal law and criminal procedure,
and the law of the state , considered in its quasi-private personality, i.e. as capable of
—
holding and exercising rights, or acquiring and dealing with property, in the character of an
individual. Black’s 1st. See Note.
Note: If the term “state” is meant to designate a “government” associated with a
collective “body politic ,” it is a fictitious entity and therefore cannot be sovereign. In
Juilliard v. Greenman, (1884) 110 U.S. 421, the Supreme Court states:

"Congress can exercise no power by virtue of any supposed inherent

sovereignty in the General Government. Indeed, it may be doubted whether
the power can be correctly said to appertain to sovereignty in any proper
sense as an attribute of an independent political community. The power to
commit violence, perpetrate injustice, take private property by force without
compensation to the owner, and compel the receipt of promises to pay in
place of money, may be exercised, as it often has been, by irresponsible
authority, but it cannot be considered as belonging to a government founded
upon law . But be that as it may, there is no such thing as a power of inherent
sovereignty in the Government of the United States."

The fact that Black ' s states “the state in its . ..sovereign capacity” tacitly confirms that
every man and woman is a state, as only a real being with free will can be sovereign.

PUBLIC POLICY . 1. Broadly, principles and standards regarded by the legislature or the
courts as being of fundamental concern to the state and he whole of society. • Courts
sometimes use the term to justify their decisions, as when declaring a contract void
because it is "contrary to public policy." 2. More narrowly , the principle that a person
should not do anything that would tend to injure the public at large. Black’s 7 .
th

Community common sense and common conscience, extended and applied throughout the
state to matter of public morals, health, safety, welfare, and the like; it is that general and
well-settled public opinion relating to man’s plain, palpable duty to his fellowmen th
, having
due regard to all circumstances of each particular relation and situation. Black ’s 6 . Public
policy is manifested by public acts , legislative and judicial, and not by private opinion ,
however eminent . ... It is said to be determined from legislative declarations, or, in their
th
absence, from judicial decisions. Bouvier ' s 8 . See Note, public law .

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 Note: A general concept, taking in the whole of society considered as a single,
abstract, collective entity , as contrasted with the same benevolent principles applied
on behalf of individual members of society. The “public” cannot be harmed; only
individual men and women can be harmed . Since Erie Railroad v Tompkins in 1938,
shortly after the declared bankruptcy of the United States Government , we have had
only public policy , not public law . The above definition from Black’s 6th (1990)
cannot be found in Black's 4th (1957), which was printed at the time the subject of
public policy was being implemented and replacing public law . I. e. the switch has
taken place and the institution of “public policy" is now entrenched. E. g. as well as
the “UCLA School of Law” there is also a “UCLA School of Public Policy and Social
Research.” Look around and see for yourself.

PUBLIC PROPERTY. That which is dedicated to the use of the public, and/or that over
which the state has dominion and control. Thus the term may be used either to describe
the use to which the property is put, or to describe the character of its ownership. Barron’s
3rd.

PUBLIC VESSEL . One owned and used by a nation or government for its public service,
whether in its navy, its revenue service, or otherwise. Black’s 6th. See Note.

Note : Your corporately colored TRADE NAME may be construed as a vessel, a

public vessel, and is used by the US Government in its revenue service and
otherwise. See vessel.
PURCHASE .
“Purchase" includes taking by sale, discount negotiation, mortgage, pledge,
lien, issue or re -issue , gift, or any other voluntary transaction creating an interest in
property . UCC 1-201(32) . The term “purchase” includes any contract to purchase or
otherwise acquire. Securities Exchange Act 3 . See Note.

.
PURCHASE MONEY SECURITY INTEREST A secured interest which is created when a
buyer uses the money of the lender to make the purchase and immediately gives to the
lender a security interest. UCC 9-107. Compare security interest. See Note.

Note: When you borrow to purchase a new automobile, the “purchase money” for
the car comes from the lending bank . The tending bank is listed on the certificate of
title as “Lien Holder.” This is a designation of the lending bank’s purchase money
security interest in the car. The funny thing is, however, when a loan takes place
at a Federal Reserve Member-bank “the money of the lender” does not come from
the “lender”/bank; it comes from the borrower. Banks do not loan their own money;
i.e. no account belonging to the bank is debited in the loan transaction. The banker
does a banker’s acceptance of the borrower’s promissory note (cash) and “loans” it
back to the “borrower” at interest:

" ...What they [banks] do when they make loans is to accept promissory notes
in exchange for credits to the borrowers’ transaction accounts ....” Modern
Money Mechanics , page 6, Federal Reserve Bank of Chicago, 1992.

RANSOM. (Heb. 123, kofer ) The compensation required to avoid bodily punishment or to
free oneself from an undesirable state or condition (Isa . 43 : 3) . The term kofer is related to
the Akkadian kaparu (“to wipe off ) or kuppuru (“to expiate"). The substitution for a penal

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 sum for corporal punishment was widespread in the ancient world. Thus, the Hittite Code
provides for fixed damages for bodily harm; and the Bedouin, too, allowed for ransom as an
alternative to blood vengeance. Except in the case of murder (Num. 35:31-34), the
Israelites followed this practice too, though fixed sums do not seem to have existed in early
times. Instead the principle of “measure for measure” was employed (Ex. 21:36; Lev.
24:18), together with specific standards for determining the compensation (Ex. 21:19;
22:16). Later , set amounts were established (Deut. 22:29), such as the "redemption” fees
for those consecrated to YHWH (Lev . 27). To be distinguished from kofer in the sense of
“ransom , ” which is paid to an aggrieved party , is kofer in the sense of bribe,” which is paid
“
to a judge in the hope of influencing his decision (I Sam. 12:3; Amos 5:12). See also
“Captives, Ransoming of. Encyclopaedia Judaica. 1972 . Compare redemption .

REAL PARTY IN INTEREST. The person who will be entitled to benefits of a court action if
successful; one who is actually and substantially interested in the subject matter, as
opposed to one who has only a nominal, formal, or technical interest in or connection with it.
Barron’s 3rd. See Real Party of Interest.

REAL PARTY OF INTEREST. See Note.

Note: This term is not defined in law dictionaries, just as "Federal Reserve Notes” is
not defined. Big Brother 's operation cannot withstand the light of day, and so, must
remain in the shadows. The Real Party/Parties of Interest are unknown. A Real
Party in Interest , defined directly above, is merely an intermediate link in the chain.
The actual boss is the Real Party of Interest.

REBUTTABLE PRESUMPTION. An ordinary presumption which must, as a matter of law,

be made once certain facts have been proved, and which is thus said to establish a prima
facie conclusion; it may be rebutted or overcome through the introduction of contrary
evidence, but if it is not , it becomes conclusive. After rebutting evidence is introduced,
under prevailing doctrine the competing facts are weighed on their own merits, without
further reference to the presumption. Barron’s 3rd. See also disputable presumption,
presumption, legal fiction.

RECORD. “Record , ” except as used in “ for record , ” “of record, " "record or legal title," and
“record owner ," means information that is inscribed on a tangible medium or which is stored
in an electronic or other medium and is retrievable in perceivable form. UCC 9-102(a)(69) .
.
REDEEM [< L redimere buy back, re + -imere to buy, variant of emere , to purchase] To
buy back. To free property or article from mortgage or pledge by paying the debt for which
it stood as security . To repurchase in a literal sense; as, to redeem one’s land from a tax -
sale. It implies the existence of a debt and means to rid property of that encumbrance.
Black’s 6th.

.
REDEMPTION Salvation from the states or circumstances that destroy the value of human
existence or human existence itself. The word “redeemer” and its related terms “redeem”
and “redemption” appear in the Bible some 130 times and are derived from two Hebrew
roots: pdh (mo) and g ’l OHX ). Though used to describe divine activity as well, they arose in
ordinary human affairs and it is in this context in which they must first be understood. Pdh
is the more general of the two , with cognates* of related meaning in Akkadian, Arabic, and
Ethiopic . It belongs to the domain of commercial law , and refers to the payment of an
equivalent for what is released or secured. The verb pdh , unlike g’l , indicates nothing about
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the relation of the agent to the object of redemption , which in the Bible is always a person
or another living being. Its usage does not differ in cultic activity from that of a normal
commercial transaction. In both cases a person or an animal is released in return for
money or an acceptable replacement (cf. Ex . 13:13; 34:20; Lev . 27:27; I Sam. 14:45 with
Ex . 21: 7-8; Lev. 19:20; Job 6 : 23) . G7 is more restricted in usage and does not appear to
have cognates in other Semitic languages. It is connected with family law and reflects the
Israelite conception of the importance of preserving the solidarity of the clan. The go’el
(“redeemer”) is the next of kin who acts to maintain the vitality of his extended family group
by preventing any breaches from occurring in it. Thus he acquires the alienated property of
his kinsman (Lev. 25:25) or purchases it when it is in danger of being lost to a stranger (cf.
Jer. 32:6ff.).. , . While the Bible uses both padah and ga’al for redemption, the Talmud
applies padah to ransom (see * Ransom) and ga’al to redemption . ... Encyclopaedia
Judaica, 1972. See Note. Compare ransom. See pay, payment

* COGNATE . A person or thing related in origin.

.
Note: Per Encyclopaedia Judaica the subject of Redemption belongs in the
“domain of commercial law”; has to do with payment of an equivalent for “what is
released or secured”; is essentially commercial in nature, even if “cultic" (religious,
sacred) , and wherein “a person or an animal is released in return for money or an
acceptable substitute.”

REGISTER. [< L regere to rule; rex king] To record formally and exactly; to enroll; to enter
precisely in a list or the like. Black’s 6th. See Note, reify.

Note : From the Latin, regere to rule ; rex king. Essentially, to register is to “king-ify”
or to “ruler-ify" oneself or one’ s property ; i.e. to submit and place oneself/one’s
property in a position to be subjected / owned/controlled/regulated, thus facilitating
taxation. “And it came to pass in those days, that there went out a decree from
Caesar Augustus , that all the world should be taxed.” Luke 2:1, Holy Bible (King
James Version). Registration is the necessary step before taxation.
REGISTERED. Denoting cattle , horses , dogs , etc. , having pedigrees verified and filed by
authorized associations of breeders . Webster’s.

REIF. A robbery. Cowell. Black’s 4th . See reification , reify .

REIFICATION. The embodiment of a right to the payment of money in an instrument so that

transfer of the instrument transfers also the right. The term can also refer generally to the
embodiment of any other property in a writing, which writing represents the property.
Black’s 6th. See reif , reify .

Note: What was once known as simple highway robbery , a reif , is now known as
—
reification, or the “registration” of the property in the juristic TRADE NAME of your
straw man , of course. Consulting the words ‘‘reif and “reify ,” one can see that
government has given itself license to overtly rob and steal from its “subjects”
(TRADE NAMES) under the euphemism “reification , ” another term for “registration’’
(per UCC 9-302, registration constitutes surrender of legal title to the property
registered; an act which precludes the necessity for the registrar (agent for the
secured-party government) to file a UCC Financing Statement against the registrant
(debtor) to perfect the security interest in the property.

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 REIFY, [f. L re(s) thing + -(I)FY] v. t. to convert into or regard as a concrete thing: to reify an
abstract concept. ACED. See Note, reif, Note at register.

Note: This term is essentially identical in concept with the word “register," literally
translated means: to “king-ify,” or “ruler-ify” oneself or one’s property. The “abstract
concept” that “someone else can claim your body, labor, property, and wealth" is
converted into a reality when you/your property are/is registered, a phenomenon
known as a reif/robbery. The fact of registration obviates the need for the registrar
to file a financing statement against the registrant/debtor re the property in question.

REMEDY. "Remedy ” means any remedial right to which an aggrieved party is entitled with
or without resort to a tribunal. UCC 1-201(34). Remedy is the means by which the
violation of a right is prevented, redressed, or compensated. Black’s 1st. New . The
purpose is to make it clear that both remedy and rights (as defined) include those remedial
rights of “seif help” which are among the most important bodies of rights under this Act ,
remedial rights being those which an aggrieved party can resort on his own motion. UCC
1-201(34). Compare rights. See excerpt from speech by Theodore Roosevelt at beginning
of this book , corporation sole.

REMITTER. “Remitter” means a person who purchases an instrument from its issuer if the
instrument is payable to an identified person other than the purchaser. UCC 3-103(11).

RES. Lat. In the civil law. A thing; an object. As a term of the [aw, this word has a very
wide and extensive signification, including not only things which are objects of property , but
also such as are not capable of individual ownership.... And in old English iaw it is said to
have a general import, comprehending both corporeal and incorporeal things of whatever
..
kind, nature, or species . . By “ res ," according to the modern civilians, is meant everything
that may form an object of rights, in opposition to “ persona ,” which is regarded as a subject
of rights. “ Res ” therefore, in its general meaning, comprises actions of all kinds; while in its
restricted sense it comprehends every object of right, except actions.... This has reference
to the fundamental division of the institutes, that all law relates either to persons, to things ,
..
or to actions , . in modern usage, the term is particularly applied to an object, subject
matter , or status , considered as the defendant in an action, or as an object against which,
directly , proceedings are taken. Thus, in a prize case*, the captured vessel is "the res ”
And proceedings of this character are said to be in rem. (See IN PERSONAM, IN REM.) “ Res”
may also denote the action or proceeding , as when a cause, when not between adversary
parties, is entitled “ In re .” Black 's 1st. See Note, in personam , in rem .
PRIZE LAW . The system of laws and rules applicable to the capture of prize** at sea;
its condemnation, rights of the captors, distribution of the proceeds, etc. Black ’s 1 .
st

“PRIZE. In admiralty law. A vessel or cargo, belonging to one of two belligerent

powers, apprehended or forcibly captured at sea by a war vessel or privateer of the
other belligerent, and claimed as enemy’s property, and therefore liable to
appropriation and condemnation under the laws of war. Black's 1st. Compare
booty. See vice admiralty courts.

Note: Your straw man is a “ vessel” under admiralty law, and also a prize in war (war
was officially declared against American citizens by the US Government under FDR
in the Amendatory Act of March 9, 1933 (a/k/a Emergency Banking Relief Act) to the
Trading With the Enemy Act of October 6, 1917. Prize on land is called “booty ."
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RES JUDICATA. A matter adjudged; a thing judicially acted upon or decided; a thing or
matter settled by judgment.... Black’s 1st.

RESIDENCE. The act or fact of living or regularly staying at or in some place for the
discharge of a debt or the enjoyment of a benefit.” Merriam-Webster’s Online Dictionary,
2002.

RESOURCES. Money or any property that can be converted to meet needs; means of
raising money or supplies; capabilities of raising wealth or to supply necessary wants;
available means or capability of any kind. Black’s 6th. See Note.

Note: The government looks upon “Department of Health and Human Resources”
as just that.

.
RETAIL. To sell by small parcels, and not in the gross To sell in small quantities. Black’s
1st. Compare wholesale.

REVENUE. As applied to the income of a government, this is a broad and general term,
including all public monies which the state collects and receives, from whatever source, and
in whatever manner. Black’s 1st. See Note.

— —
Note: Government income revenue is a "re-venue” of funds from the private
venue into the public venue.

REVENUE AGENT. Any duly authorized Commonwealth Internal Revenue Agent of the
Department of the Treasury of Puerto Rico. 27 CFR § 250.11 . See Note below.

Note: The above is the only definition of “ Revenue Agent” in all of the Code of
Federal Regulations and elsewhere (Puerto Rico is a Commonwealth). The IRS is
ensconced in a private trust (Puerto Rico Trust # 62) that operates out of Puerto
Rico. A Revenue Agent is an unregistered foreign agent operating on American
soil in violation of the Foreign Agents Registration Act of 1938. “Secretary of the
Treasury” is an abbreviation of the actual title, "Secretary of the Treasury of Puerto
Rico.” See Secretary , Internal Revenue Service .

.
REVISED ARTICLE 9 [ Revised] “ Article 9 governs any transaction that creates a security
interest in personal property or fixtures by contract, consignments, agricultural liens, sales
of accounts, chattel paper, payment intangibles, promissory notes and other UCC security
interests. Section 9-109.” William C. Smith, ABA (American Bar Association) Journal ,
August 2001, page 53.

RIGHT(S). “Rights”includes remedies. UCC 1-201(36). As a noun , and taken in a

concrete sense, a right signifies a power, privilege, faculty, or demand, inherent in one
person and incident upon another. “Rights” are defined generally as “powers of free
action.” And the primal rights pertaining to men are undoubtedly enjoyed by human beings
purely as such, being grounded in personality, and existing antecedently to their recognition
by positive law. But leaving the abstract moral sphere, and giving to the term a juristic
content, a “right” is well defined as “a capacity residing in one man of controlling, with the
st
assent and assistance of the state, the actions of others." Black’s 1 . Compare remedy .

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 Note: Rights can only descend upon one in a corporate capacity and are inescapably
— —
linked with remedy . The concept of a remedy the alter ego of a right immediately
involves corporate entities and officers , with the aggrieved party accessing his rights .
Autonomous, sovereign beings neither have nor need “rights,’’ and a true sovereign
neither relies on , nor draws from, nor hopes for the slightest shred of a right. Rather ,
a sovereign governs himself/herself without intervention of any party other than God,
and exercises the power that inheres within him/her without compunction.57 See
corporation sole , quote from Theodore Roosevelt under “On Sovereigns” at the
beginning of this book.

ROMAN CIVIL LAW. See Note.

Note: There are fundamentally only two kinds of law in human society: “real law,’’ of
which original English common law, as well as commercial law, are particular
cultural styles and developments, and “Roman civil law.” The latter is a perversion
of the former. Common law and commercial law, as expressions of real law
pertaining to free, sovereign people, are independent of organized governments. In
common law, for instance, a king cannot access, without permission, the meanest
commoner’s hovel, which is the source of the phrase: “A man's home is his castle.”
—
Roman civil law is the “law" of government rulers kings, princes, emperors,
dictators, etc. Over the centuries governments have usurped the forms, trappings,
and genius of common law and commercial law, transmuting them into forms of
Roman civil law as tools of rulership. The spirit of truth, fairness, and justice of real
law have been stifled and distorted from their just intent into means to implement
tyranny.

The principles of both real law and Roman Civil Law are simple. Real law is
expression of two fundamental precepts:

1) Every man has free will and is therefore sovereign over himself and his own
domain. A man is fully entitled to do whatever he wishes with his life except
transgress against the similar inherent right of others . A man who damages
another loses his sovereignty proportionate with that which is necessary to
provide rectitude and recompense for the one wronged. In short: “Thou shalt
not transgress against the rights of thy neighbor.”

2) All social intercourse, both express (written, bilateral) and implied (unwritten,
ratified by acts not signature) , is contract. Therefore, whatever contracts you
enter into you are obligated to fulfill.

Roman Civil Law has but one principle:

“The will of the ruler has the force and effect of law.”

All human governments are necessarily some form of Roman Civil Law, because
no basis in real law can exist for any “ruler” to “rule” ( i.e. to usurp, enforced by force,
the rights, options, or property of) another man. Also, the fact that all life is contract
is the source of the timeless maxim of law: Contract makes the law . This maxim is
found in virtually every culture , language, and legal system in the world. All law ,
S7' i
^ a
Compunction; Anxiety arising from guilt .

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 both express and implied , is inherently contract . An express contract is formalized in
writing , specifying the various rights and duties of the parties and all the terms and
conditions upon which the parties agree , with the voluntary consent of each party
indicated by his signature. An implied contract is ratified by act instead of signature .
An implied contract is formed , for instance, when one goes into a restaurant and
orders a meal. Although no written contract is signed, a contract is formed
nonetheless by the act of ordering and consuming the meal, on the basis of which
one non-verbally consents to pay for it.

Roman Civil Law functions chiefly by implied contract , ratified by the presumed
“implied assent” of the “ruled” through: ( 1) omitting to assert and preserve their own
rights and freedom vis-a-vis the ruler ; (2) accepting "benefits ” that the government
offers, thereby incurring whatever obligations are contractually implied by the
acceptance . The creditors of the bankrupt US Government operate against you via
the presumption that they hold legal title of the property registered on the birth
document/certificate, and thereafter the mirror-image TRADE NAME, and that it is an
open-ended lien against your rights, property , and labor as security to pay on the
national debt . Redemption of the birth certificate and TRADE NAME eliminates all
other claims concerning each.

SALE. ... a “sale” consists in the passing of title from the seller to the buyer for a price
(Section 2-401) . A “present sale” means a sale which is accomplished by the making of the
contract. UCC 2-106(1 ) .

SECRETARY. The Secretary of the Treasury of Puerto Rico. 27 CFR § 250.11.

Ratification of acts of President and Secretary of the Treasury under section 95 a - “The
actions , regulations, rules , licenses, orders and proclamations heretofore or hereafter taken,
promulgated, made, or issued by the President of the United States or the Secretary of the
Treasury since March 4 , 1933, pursuant to the authority conferred by section 95a of this
title, are approved and confirmed. ” 12 USC 95b. See Note, Revenue Agent.

Note: The title “Secretary of the Treasury ” is an abbreviation of the actual title:
“Secretary of the Treasury of Puerto Rico.” IRS is domiciled in Puerto Rico under
Puerto Rico Trust # 62, which makes Secretary of the Treasury of Puerto Rico, Paul
H. O’Neill, Trustee thereof. Secretary of the Treasury is not a U . S . government
employee. He is an unregistered foreign agent operating in America in violation of
the Foreign Agents Registration Act of 1938 , and is the receiver in bankruptcy
(Reorganization Plan No . 26 (1950), Title 5 USC 903, Public Law 94-564, Legislative
History, page 5967) for the U.S. Government on behalf of the Federal Reserve
creditors, and the Governor of both World Bank and International Monetary Fund,
which are headquartered in Washington, D .C . As is easily discernible from the
second cite above from 12 USC 95b , Secretary of the Treasury is openly accorded
equal status with the President of the United States re all “actions , regulations, rules,
licenses , orders and proclamations,” thus confirming the Secretary’s receiver status
over United States .

The Department of the Treasury’s web site states that “The Secretary oversees the
activities of the Department in... serving as the financial agent for the United States
Government....” Treasury Department claims a number of “bureaus" through which
the Secretary administers the Chapter 11 bankruptcy : Comptroller of the Currency;
Federal Law Enforcement Training Center ; Internal Revenue Service; United States

Rev. 02/ 15 /2002

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165
 Secret Service; United States Customs Service; Bureau of Alcohol, Tobacco, and
Firearms; Financial Crimes Enforcement Network (FINCEN); Treasury Forfeiture
Fund; Bureau of the Public Debt; United States Mint ; Financial Management Service;
Bureau of Engraving and Printing; Office of Thrift Supervision ; United States Savings
Bonds Division ; and Community Development Financial Institutions. Each bureau is
assigned and engaged in its own “mission” (military objective) ascribed by the
Secretary and openly publishes such. These bureaus and the personnel operating
within them are unregistered foreign agencies and agents on American soil, also in
violation of the Foreign Agents Registration Act of 1938. The identifier, “United
States,” is not a part of the official title for either “Department of the Treasury” or
"Secretary of the Treasury .”

In the popular TV series “Mission: Impossible" (and in the movies by the same
name), after “Mr. Phelps” (or his motion-picture counterpart) receives his instructions
for the next "impossible mission ," the voice announces “Your mission, should you
decide to accept it,..." and later, in the event that Mr. Phelps or his Impossible
Mission Team are caught, the admonishment: “the ‘Secretary’ will disavow all
knowledge of you and your team... " A mission ( see mission) is “a specific task or
objective assigned to a member of a military unit , or the unit itself,’’ The Secretary is
Secretary of the Treasury of Puerto Rico, a/k/a Secretary of the Treasury, presently
Paul H. O’Neill, who runs the de facto military units under him in military -style
“missions” with his Impossible Mission Force , a /k/ a “IMF,” a/k/ a “International
Monetary Fund” (of which O’Neill is governor); and also by managing each “IMF ,” i.e.
“Individual Master File,” in the Puerto Rico-based IRS , and of which there is one
Individual Master File for every “citizen of the United States”-TRADE NAME with a
Social Security Account Number printed on a Social Security card along with the
straw man’s all-capital-letters nom de guerre (war name, see nom de guerre , Mark
of the Beast) TRADE NAME printed thereon. The Wizard has owned outright the
United States Government since 1933, and has “owned" Hollywood, an
indispensable resource in achieving the “Impossible Mission," since 1938.

SECRETARY OF THE TREASURY. See Note, Secretary .

Note: An abbreviated form of the actual title, “Secretary of The Treasury of Puerto
Rico.”

SECURED PARTY . “Secured party " means any of the following: (A) A person in whose
favor a security interest is created or provided for under a security agreement, whether or
not any obligation to be secured is outstanding. (B) A person that holds an agricultural lien.
(C) A consignor. (D) A person to which accounts, chattel paper, payment intangibles, or
promissory notes have been sold. (E) A trustee, indenture trustee, agent, collateral agent,
or other representative in whose favor a security interest or agricultural lien is created or
provided for. (F) A person that holds a security interest arising under Section 2401, 2505 ,
4210, or 5118, or under subdivision (3) of Section 2711 or subdivision (5) of Section 10508 .
UCC 9-102( a)(72) . A person or business that has a legal right to designated money and/ or
goods of another. WSUG.

SECURITIES. Stock certificates, bonds or other evidence of a secured indebtedness or of a

right created in the holder to participate in the profits or assets distribution of a profit-making
enterprise; more generally, written assurances for the return or payment of money;
instruments giving to their legal holders right to money or other property . As such ,

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 securities have value and are used in regular channels of commerce. The basic purpose
of the sale of securities is to raise capital for business and government . Barron's 3 .

SECURITY AGREEMENT, ’’Security agreement” means an agreement that creates or

provides for a security interest . UCC 9-102 ( a)(73) . An agreement granting a creditor a
security interest in personal property, which security interest is normally perfected either
by the creditor taking possession of the collateral or by filing financing statements in the
proper public records. Black’s 6th. See attach, security interest , fidelity bond ,
possessory lien.
i
SECURITY INTEREST. interest” means an interest in personal property or
‘ Security
fixtures which secures payment or performance of an obligation. .. UCC 1-201 (37)(a).
Interest in property obtained pursuant to security agreement. Black 's 6th . Lien created by
an agreement. Bankruptcy Code § 101. The legal right of one party to take, possess, or
use the pledged money and/or goods of a second party if the second party does not fulfill its
obligation to the first party . WSUG. See attach, security agreement , perfection of
security interest.

SENATE DOCUMENT NO. 43, 73RD CONGRESS, 1ST SESSION. (March 9 - June 16, 1933)
“ ...The ownership of all property is in the State; individual so-called ownership is only by
virtue of government, i.e. law amounting to mere user; and use must be in accordance with
law and subordinate to the necessities of the State.” See Note, “in this state ,” Conference
of Governors, March 6, 1933 .

.
Note: A likely source of the foregoing is Bernard M. Baruch The Knickerbocker
Press, Albany , N .Y., August 8, 1918 :

"We are living in a highly organized state of socialism. The state is all; the
individual is of importance only as he contributes to the welfare of the state.
His property is only his as the state does not need it . He must hold his life
and his possessions at the call of the state."

All objects and spaces, and tangible and intangible property , including “money ," in
—
America and most of the world , represent debt that is , all such things that have not
presently been claimed under the UCC by a Redemptor (sovereign) , Non-
sovereigns are “ mere users” of everything they “own.” Everything is ‘'legally” owned
by the State. If you do not believe this , just stop paying property taxes or automobile
registration fees and see what happens . Read in the background of the annual
renewal sticker (with the year printed on it) on the license plate of your car. It says
“Official Use Only . ” The state holds a perfected security interest in your car because
you chose to register it with the DMV [see UCC 9-303]. Basically , the state has the
—
assets (title) , and the “owner” has the liabilities (accountability for use) unless, of
course, the owner captures his or her straw man and sets things straight. If you
examine the Vehicle Code of your state you will find that there is no code/law
requiring registration of any automobile that is not used for the “transportation of
persons or property for hire or compensation." Registration of an automobile with
the Department of Motor Vehicles is legal identification of the character of the
property , i.e. non-private, and is strictly voluntary.

SEND. "Send,” in connection with a record or notification, means to do either of the

following: (A) To deposit in the mail, deliver for transmission, or transmit by any other usual

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 means of communication, with postage or cost of transmission provided for, addressed to
any address reasonable under the circumstances. ( B) To cause the record or notification to
be received within the time that it would have been received if properly sent under
subparagraph (A). UCC 9-102(a)(74).

SERVICEMARK. A name , phrase , or other device used to identify and distinguish the
services of a certain provider. •Servicemarks identify and afford protection to intangible
things such as services, as distinguished from the protection already provided for marks
affixed to tangible things such as goods and products. — Often shortened to mark. — Also
spelled service mark , service-mark . Cf. TRADEMARK (1). Black's 7th , See Note. Compare
trademark, mark .

SETOFF, SET-OFF. A debtor’s right to reduce the amount of a debt by any sum the creditor
owes the debtor; the counterbalancing sum owed by the creditor. Black’s 7th. A counter-
claim or cross-demand ; a claim or demand which the defendant in an action sets off
against the claim of the plaintiff , as being his due, whereby he may extinguish the plaintiffs
demand, either in whole or in part , according to the amount of the set-off. Set-off is a
defense which goes not to the justice of the plaintiffs demand , but sets up a demand
against the plaintiff to counterbalance his in whole or in part. Black ’ s 1 st . See Note, action,
defendant.

SEVEN-POINT INSTRUMENTS. See Note.

Note: In commercial law , any document or instrument (including legal briefs ,

securities, promissory notes , affidavits, and contracts) must contain seven (7)
essential elements to be valid . If any of these elements is missing the paper is
commercially defective , void, or expressly fraudulent. These essential elements are:

1. Accurate identification of the parties to the instrument , contract, or dispute.

2 . Nature and content of the allegations or claims set forth with particularity.

3 . Ledgering—accounting of the remedy or relief sought as recompense or

compensation for specific wrongs or contractual violations or defaults.

4 . Evidence of solvency—identification of the property sought/pledged as the

stakes over which the dispute occurs , to be forfeited to the prevailing party
to pay the debt/damage and satisfy the judgment.

5. Facts and law—specific laws violated and facts set in evidence by exhibit.

6. Certification—statement under oath by party asserting an allegation or

claim that everything asserted is “true , correct, and complete ,” whether
criminal or civil.

—
7. Witnesses third party certification substantiating the legal identity of the
party executing the instrument (notary).
rd
SIGHT DRAFT. A bill of exchange for the immediate payment of money. Barron's 3 . A bill
of exchange for the immediate collection of money. Black ’ s 6th .

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SIGNATURE, (a) A person is not liable on an instrument unless (1) the person signed the
instrument , or (2) the person is represented by an agent or representative who signed the
instrument and the signature is binding on the represented person under section 3402. (b) A
signature may be made ( t ) manually or by means of a device or machine and (2) by the use
of any name , including a trade or assumed name, or by a word, mark , or symbol executed
or adopted by a person with present intention to authenticate a writing. UCC 3-401.

SIGNED. “Signed”
includes any symbol executed or adopted by a party with present
intention to authenticate a writing. UCC 1-201(39).

SLAVE. 1. A person who is wholly subject to the will of another; one who has no freedom
of action , but whose person and services are wholly under the control of another. 2. One
who is under the power of a master, and who belongs to him; so the master may sell and
dispose of his person, of his industry, and of his tabor, without his being able to do anything,
have anything , or acquire anything, but what must belong to his master. Civ .Code La . 1838 ,
art . 35. Black ' s 4th.

SOFTWARE. "Software” means a computer program and any supporting information

provided in connection with a transaction relating to the program. The term does not
include a computer program that is included in the definition of goods. UCC 9-102(a)(74).

SOVEREIGN, n. One who possesses supreme authority ... F&W. adj . chief or highest;
supreme; supreme in power; supreme in position to all others; independent of, and
unlimited by, any other... Webster’ s Collegiate Dictionary, Fifth Edition, 1947. See Note.
Note: Possibly the best ( and simplest) definition of what a sovereign actually is, is
contained within the definition of the term “ sui juris" : “ Of his own right : possessing full
social and civil right ; not under any legal disability , or the power of another , or
guardianship." (Underline emphasis added) The unit of sovereignty , autonomy,
and government is each free-will being; See sui juris, quote from Theodore
Roosevelt under “On Sovereigns” at the beginning o this book.

SOVEREIGN PEOPLE. The political body consisting of the entire number of citizens and
qualified electors, who, in tehir collective capacity, possess, the powers of sovereignty and
exercise them through their chosen representatives. Manion v. State, 303 Mich.1, 5
.
N.W.2d, 527, 528 Black 's 4th.

SOVEREIGN POWER, OR SOVEREIGNTY. That power in a state to which none other is

superior or equal. Black’s 1st. See Note.
th
SOVEREIGNTY. Supreme dominion, authority, or rule. Black ' s 7 . The possession power;
supreme political authority; paramount control of the constitution and frame of government
and its administration; the self-sufficient source of political power , from which all specific
political powers are derived; the international independence of a state, combined with the
right and power of regulating its internal affairs without foreign dictation; also a political
society or state which is sovereign and independent. Black 's 1st. "Congress can exercise
no power by virtue of any supposed inherent sovereignty in the General Government.
Indeed, it may be doubted whether the power can be correctly said to appertain to
sovereignty in any proper sense as an attribute of an independent political community.
The power to commit violence, perpetrate injustice, take private property by force without
compensation to the owner , and compel the receipt of promises to pay in place of money,

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 may be exercised, as it often has been, by irresponsible authority, but it cannot be
considered as belonging to a government founded upon law. But be that as it may, there is
no such thing as a power of inherent sovereignty in the Government of the United States."
Juilliard v . Greenman, 110 U.S. 421 (1884). See Note.

Note: Regaining personal sovereignty is a matter of: ( 1 ) taking complete legal

— —
control of the use of both your true name and TRADE NAME each of which is an
article of property under the common law; and (2) contracting only with those with
whom you desire to transact business upon receiving an appellation. See
appellation.

SPECIAL. Relating to or designating a species, kind, or sort ; designated for a particular

purpose; confined to a particular purpose, object, person, or class. The opposite of general.
Black 's 1st. Compare general.

SPECIAL APPEARANCE. 1. A defendant's pleading that either claims that the court lacks
personal jurisdiction over the defendant or objects to improper service of process. 2 A .
defendant’s showing up in court for the sole purpose of contesting the court’s assertion of
m
personal jurisdiction over the defendant.. ..’’ Black’s 7 .
SPECIE. Coin of the precious metals , of a certain weight and fineness, and bearing the
stamp of the government, denoting its value as currency . Black’s 1st .

STARE DECISIS , n. [Latin “to stand by things decided”] The doctrine of precedent, under
which it is necessary for a court to follow earlier judicial decisions when the same points
arise again in litigation. Black ’s 7th.

STATE. "State" means a state of the United States , the District of Columbia, Puerto Rico,
the United States Virgin Islands, or any territory or insular possession subject to the
.
jurisdiction of the United States . UCC 9-102(a)(76) See Note .

Note : The above definition, as presented, is not inclusive of the 50 several States .
Further, UCC 9-307(h) reads: "Location of United States . The United States is
located in the District of Columbia."

STATUTE. An act of the legislature, adopted under its constitutional authority , by prescribed
means and in certain form, so that it becomes the law governing conduct within its scope.
Statutes are enacted to prescribe conduct, define crimes, create inferior government
bodies, appropriate public monies, and in general to promote the public welfare. Barron’s
.
3rd Compare civil law , common law . See Note.

Note: Statutory law is concerned with persons (artificial) and their privileges, duties,
and obligations re collective public/government welfare. It does not, and cannot,
deal with sovereign men and women (people) , unless, of course, such sovereigns
“ voluntarily” contract way their sovereignty.
STRAMINEUS HOMO. A man of straw, one of no substance, put forward as bail or surety.
Black's 1st. See straw man .

STRATOCRACY. A military government; government by military chiefs of an army. Black's

6m.

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STRAW MAN or PARTY. A “front”; a third party who is put up in name only to take part in a
transaction. Nominal party to a transaction... Black’s 6th. The term is also used in
commercial and property contexts when a transfer is made to a third party, the straw man
[person], simply for the purpose of retransferring to the transferor in order to accomplish
some other purpose not otherwise permitted. Barron's 3rd. See Note, stramineus homo .

Note: The straw man is an artificial person { see artificial person) created by law
shortly after one’s birth via registration of the biological property in a birth record/
document/certificate, a document of title (see birth certificate), and the inscription
on other documents thereafter of a “mirror image,” ALL-CAPITAL-LETTERS TRADE
NAME (see all-capital letters-written). The straw man has a fictitious name (see
fictitious name) written in a manner not provided for in the rules of English grammar
(see proper). Your straw man has a same-sounding ( see idem sonans ) name as
your true name, but is artificial and exists only “by force of or in contemplation of law"
(see person). A straw man is a distinct legal entity (corporate) that benefits the
creator (US Government) because the creator can then accomplish things in the
—
name of the straw man that would not otherwise be permitted e g. secretly acquire
property, do business with one’s enemies, etc. The people of the world have been
politically and financially ravaged because they did not know of their alter ego*,
public-persona straw man. Bankrupt governments use such straw men for the
purpose of siphoning wealth from otherwise sovereign men and women on behalf of
their creditor, the Federal Reserve/IMF. After Redemption, the straw-man TRADE
NAME can be used for your benefit, rather than your continued exploitation.

Under the UCC, our straw man is defined as, and serves as, a “transmitting utility”
(see transmitting utility). The operators/controllers of the political/economic/
industrial system have set it up so that the only way that flesh-and-blood men,
women , and children can access the industrial goods and services of the nation is
through a nominal third party, a front man, a dummy (see dummy ), a public
corporation of one (see public corporation), a corporately colored juristic person, a
straw man, a uf/Wy—through which said goods and services may be transmitted.
I.e. the only way one can acquire the goods and services of the nation is through the
straw man. You cannot keep your body alive and survive in the world today without
the industrial goods and services of the nation, so you are forced to interface through
your straw man in order to partake of them. Because the straw man has no body,
and because you are the one actually benefiting from the consumption/use of the
industrial goods and services of the nation , and because, before Redemption, you
do not hold title re your straw man, you are the one responsible for discharging the
public liability associated with the “benefits” that you enjoy courtesy your straw man.

One “purpose not otherwise permitted” mentioned above is “ extraction of ‘income tax
—
from a sovereign," i.e. you something for which you would not otherwise give
consent. All “income” is “corporate income," and the straw man is a dummy public
corporation. Because the straw man is registered (birth certificate), and because
you cannot work for another except via his labor license (Social Security card), and
cannot have a bank account except through his serial number (Social Security
Account Number), taxes are relatively easily monitored, assessed, and collected. All
claims made against you, both civil and criminal, are instituted in your straw man’s
TRADE NAME, which is held in custody by the State Registrar. Accordingly, upon

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 reaffirming legal title, you gain capacity to protect your interests so that others
cannot come against you via your straw man’s TRADE NAME and perfect a claim.

A straw man is a construct of law is a fictitious entity is a person is an artificial

person is a juristic person is a dummy is a dummy corporation is a public corporation
is a public vessel is a vessel is a transmitting utility is an employee is an individual is
a citizen of the United States.

*ALTER EGO. [L: literally, another I] 1 . A second self. 2. An inseparable friend .

ACED.

STRICT FORECLOSURE. A rare procedure that gives the mortgagee title to the mortgaged
property —
without first conducting a sale —
after a defaulting mortgagor fails to pay the
mortgage debt within a court-specified period. • The use of strict foreclosure is limited to
special situations except in those few states that permit the remedy generally . Black’s 7th.
See Note.

Note: The above is a statutory definition, but strict foreclosure is also referenced in
the UCC. A highly obscure term, this so-called "rare” procedure is the one that is
used every single time by IRS and banks when conducting non-judicial foreclosures
on homes and automobiles. The misdirector, “court-specified period," mentioned in
the definition is a lame attempt at making the reader believe that the courts
somehow have a hand in this; however , no court is involved in a strict foreclosure.
The so-called court-specified period references only the statutory (not contractual /
commercial ) “redemption period,” i.e. the period of time specified by a participating
court, during which defaulting debtors may recover the property after foreclosure
sales and tax sales by paying the outstanding debt/charges. Since courts are not
involved in commercial strict foreclosures, its inclusion here is moot. Strict
foreclosures are based on consensual contract and the terms are all agreed upon
in advance , thus obviating potential disputes, as well as the need for any third-party
arbiter. It is also the process used by a Redemptorior satisfaction of the commercial
default (and failure to cure the default) of any absconding debtor who does business
with the Redemptor through unauthorized use of the Redemptor’ s common-law-
copyrighted TRADE NAME.

SUI JURIS. Lat. Of his own right; possessing full social and civil right; not under any legal
disability, or the power of another, or guardianship. Black’s 4th.

Note: The Legal masters of the World cannot have it both ways, and could not stop
this one from slipping out. No one can be held accountable as a surety (for the
TRADE NAME) without also being sui juris (sovereign). This defines what a
sovereign is better than any other definition.

SUMMARY. Immediate; preemptory; off-hand; without a jury; provisional; statutory . Black’s

1st.

SUMMARY PROCEEDING. Any proceeding by which a controversy is settled, case

disposed of, or trial conducted, in a prompt and simple manner, without the aid of a jury ,
without presentment of indictment , or in other aspects out of the regular course of the
common law. Black’s 1st.

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SUM CERTAIN. “Sum certain” is any amount that is settled, stated, or exact; re negotiable
instruments: the sum must be ascertainable at the time the instrument is made and
computable solely by examination of it; in commercial law, in order for an instrument to be
negotiable, it must contain an unconditional promise to pay a sum certain UCC 3- ,

104(1)(b).

SUPRA. Lat . Above; upon. This word occurring by itself in a book refers the reader to a
previous part of the book, like ante; it is also the initial word of several Latin phrases. Black’s
4th

SUPRA PROTEST. In mercantile law . A term applied to an acceptance of a bill by a third

person, after protest for nonacceptance by the drawee. Black 's 4th.

. .
SURETY 1 A person who is primarily liable for the payment of another’s debt or the
performance of another 's obligation. • Although a surety is similar to an insurer, one
important difference is that a surety often receives no compensation for assuming liability....
Black's 7th. One who has contracted himself to be answerable for the debt, default , or
miscarriage of another , ACED. “Surety” includes guarantor. UCC1-201(40). A person
who binds himself for the payment of a sum of money , or for the performance of something
else, for another. Bouvier’s 8th. A person who is primarily liable for the payment of
another’s debt or the performance of another’s obligation. Black’s 7th. One who undertakes
to pay money or perform other acts in the event that his principal fails to do so; the surety is
directly and immediately liable for the debt . Barron’s 3rd. A surety is one who at the
request of another , and for the purpose of securing to him a benefit, becomes responsible
for the performance by the latter, of some act in favor of a third person, or hypothecates
property as security therefor. Black’s 1st. Contracts. 1. A person who binds himself for the
payment of a sum of money or for the performance of something else, for another, who is
already bound for the same. A surety differs from a guarantor , and the latter cannot be
sued until after a suit against the principal. 2. The surety differs from bail in this, that the
latter actually has, or is by law presumed to have, the custody of his principal, while the
former has no control over him. The bail may surrender his principal in discharge of his
obligation; the surety cannot be discharged by such surrender. Bouvier' s 6 . See
voluntary surety , co-sureties , co-surety, suretyship, bail, guarantor, Note.

VOLUNTARY SURETY, A surety who receives no consideration for the promise to act
as a surety . Black s th.
’ 7

.
CO-SURETIES Joint sureties; two or more sureties to the same obligation. Black’s

^-
4 . See surety , suretyship.

CO SURETY .
A surety who shares the cost of performing suretyship obligations with
another. Black's 7th. See surety , suretyship.

Note: You have unwittingly become, through various chicaneries, the surety for the
straw man, “wholly brought into separate existence” ("birth”) via registration of your
biological "property” as described on your birth certificate. See bail.

.
SURETYSHIP. 1 The legal relation that arises when one party assumes liability for a debt,
default, or other failing of a second party. * The liability of both parties begins
simultaneously. In other words, under a contract of suretyship , a surety becomes a party
to the principal obligation. 2. The lending of credit to aid a principal who does not have

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 sufficient credit. •The purpose is to guard against loss if the principal debtor were to default.
3. The position or status of a surety . Black 's 7th. Contracts. 1. An accessory agreement
by which a person binds himself for another already bound, either in whole or in part, as for
his debt, default or miscarriage.... 4. The contract of suretyship may be entered into by ali
persons who are sui juris, and capable of entering into other contracts.... 7. Where the
statute of frauds, 29 Car. II. , c. 3, is in force, or its principles have been adopted, the
contract of suretyship "to answer for the debt, default or miscarriage of another person,"
.
must be in writing, &c... 8. The contract of suretyship is discharged and becomes extinct,
1st . Either by the terms of the contract itself. 2d. By the acts to which both the creditor and
principal alone are parties. 3d. By the acts of the creditor and sureties. 4th. By fraud. 5th.
By operation of law.... 10. - 2. The contract of suretyship becomes extinct or discharged
by the acts of the principal and of the creditor without any act of the surety . This may be
done, 1. By payment , by the principal. 2. By release of the principal. 3. By tender made by
principal to the creditor. 4. By compromise. 5. By accord and satisfaction. 6. By novation*. 7.
By delegation. 8. By set-off. 9. By alteration of the contract.. .. 12. - 2 . As the release of the
principal discharges the obligation, the surety is also discharged by it .... 13. - 3. A lawful
tender made by the principal or his authorized agent, to the creditor or his authorized agent,
will discharge the surety . ... 18. - 8. When the principal has a just set-off to the whole claim
of the creditor, the surety is discharged.... 20. - 3. The contract is discharged by the acts
of the creditor and surety , 1. By payment made by the surety . 2. By release of the surety
by the creditor. 3. By compromise between them. 4. By accord and satisfaction. 5. By set-
off.... 21. - 4. Fraud by the creditor in relation to the obligation of the surety , or by the
debtor with the knowledge or assent of the creditor , will discharge the liability of the
surety ... . 22. - 5. The contract of suretyship is discharged by operation of taw, 1. By
confusion. 2 . By prescription, or the act of limitations. 3. By bankruptcy.... 23. - 1. The
contract of suretyship is discharged by confusion or merger of rights; as, where the obligee
marries the obligor.... 24. - 2. The act of limitations or prescription s a perfect bar to a
'
recovery against a surety , after a sufficient lapse of time, when the creditor was sui juris
and of a capacity to sue.... 25. - 3. The discharge of the surety under the bankruptcy laws
will put an end to his liability, unless otherwise provided for in the law.... 27. Co-sureties
are in general bound in solido** to pay the debt, when the principal fails, and if one be
compelled to pay the whole, he may demand contribution from the rest, and recover from
them their several proportions of their common liability in an action for money paid by him to
their use. Bouvier ’s 6 .

•NOVATION. The act of substituting for an old obligation a new one that either
replaces an existing obligation with a new obligation or replaces an original party
with a new party. Black ’ s 7th.

[Latin “as a whole”] (Of an obligation) creating joint and several liability.
** /N SOUDO.
The term is used in civil-law jurisdictions such as Louisiana. —Also termed in
solidum .

INVOLUNTARY SURETYSHIP. A suretyship that arises incidentally, when the chief

object of the contract is to accomplish some other purpose. Black 's 7th.

SURETYSHIP BY OPERATION OF LAW. A suretyship that the law creates when a third
party promises a debtor to assume and pay the debt that the debtor owes to a
creditor. Black’s 7th.

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 VOLUNTARY SURETYSHIP. A suretyship in which the chief object of the contract is to
make one party a surety. Black's 7th.

SURNAME. A name which is added to the Christian name, and which, in modem times,
have become family names. 2. They are called surnames , because originally they were
written over the name in judicial writings and contracts. They were and are still used for the
purpose of distinguishing persons of the same name. They were taken from something
attached to the persons assuming them, as John Carpenter , Joseph Black, Samuel Little,
.
&c. Bouvier's 6th The family name; the name over and above the Christian name The .
part of the name which is not given in baptism; the name of a person which is derived from
the common name of his parents. Black's 4th. See name .

SURPLUS. That which is left from a fund which has been appropriated for a particular
purpose; the remainder of a thing; the overplus, the residue. Bouvier's 6th.

TAX. [< ML taxare to tax , appraise, L to appraise, handle, tangere to touch] a rate or sum
of money assessed on a citizen’s person , property, or activity for the support of a
government levied upon real assets or real property (property tax) , upon income derived
from wages, etc. (income tax), or upon sale or purchase of goods (sates tax). Barron's 3rd.
See Note, census, census regalis.

Note: Under the current debt-based system and commercial law, tax, lien, and fine
are synonymous terms.

TAX RETURN. The form on which an individual, corporation or other entity reports income,
deductions and exemptions and calculates their tax liability. A tax return is generally for a
one year period, however , in some cases, the period may be less than a year. A federal tax
return is filed with the Internal Revenue Service, and a state return is filed with the revenue
department of the state. Black’s 6m. See Note.

Note; It is called a “return" because a portion of the Federal Reserve Notes that
have “come in" are sent back , restored, re-delivered—i.e. returned—to their lawful
owner, the Federal Reserve Bank , in exchange for the privilege of their use.
President Ronald Reagan’s Private Sector Survey on Cost Control, on the subject of
“income taxes,” reported as follows;

“100% of what is collected is absorbed solely by interest on the Federal debt and by
Federal Government contributions to transfer payments. In other words, all
individual income tax revenues are gone before one nickel is spent on the services
which taxpayers expect from their government . ”
Grace Commission Report to the President, January 15, 1984

Note that the two entities cited in the definition above are both corporate, artificial
persons: an “individual” is a public corporation of one; a “corporation” is a
corporation aggregate. This is why “officer of a corporation” is the only extraneous
entity cited in Internal Revenue Code definition of “employee.” See individual ,
public corporation, artificial person, dummy , dummy corporation, employee ,
straw man .

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 TAXPAYER . One who is subject to a tax on income , regardless of whether or not he or she
pays the tax . Internal Revenue Code 7701(a)14. See Note, census , census regalis ,
transmitting utility , individual , employee , employer .

Note: Being a public corporation and an individual , the TRADE NAME is the “One
who is subject to a tax on income.. . ," but the straw man does not , indeed cannot ,
pay the tax . You, as the straw man’s surety (see surety ), pay the tax on its behalf.

TENOR. By the tenor of an instrument signifies the true meaning of the matter therein
contained. Cowell. Bouvier’s 8th.

TITLE (1). [ < ME variant of titel , OE titul < L titui(us) superscription , title ] Law. a legal right
to the possession of property, esp . real property; the ground or evidence of such right; the
instrument constituting evidence of such right ; a unity combining all of the requisites of
complete legal ownership. Also : ownership; a term used in property law to denote the
composite of facts that will permit one to recover or to retain possession of a thing.
Webster’ s . See Note .

Note : Your birth certificate is only a certificate of title re your straw man , and
confirms only that the issuer of the certificate held the actual title at the time of
registration (the issuer may have since assigned/sold/transferred the original birth
document) . You are the source, origin, and cause of the property registered in the
birth certificate: the corporate , all-capital-letter TRADE NAME of your straw man. As
its surety (see surety ), you bear all liability for its misadventures in the public
sphere, including being personally financially responsible for its “ fair share’’ of the
National Debt and any other penalties and charges associated with its name. You
are also the only one referenced/identified on the original birth document (mother ,
father, place of birth, exact minute of birth , footprints, handprints, eye color, weight ,
height/length , blood type, etc.) . Accordingly , you have the supreme claim re title of
your birth certificate . To reclaim it and redeem it, all you need to do is speak up in
the proper forum and in the proper manner. See document of title.

TITLE (2). The radical meaning of this word appears to be that of a mark, style, or
designation; a distinctive appellation ; the name by which anything is known . Thus , in the
law of persons, a title is an appellation of dignity or distinction, a name denoting the social
rank of the person bearing it ; as “duke” or “count.”... Black’s 1st. See Note.

Note : The title ‘‘esquire,’’ flaunted by most attorneys in America, is a title of

— —
nobility the granting of which is prohibited by the Constitution in the British class
system of contemporary feudalism signifying status above the rank of “ gentleman”
and below the rank of “knight.”

TORT . Wrong ; injury ; the opposite of right . So called , according to Lord Coke , because it is
wrested , or crooked , being contrary to that which is right and straight .. .. In modern practice,
tort is constantly used as an English word to denote a wrong or wrongful act, for which an
action will lie, as distinguished from a contract . ... A tort is a legal wrong committed upon the
person or property independent of contract. It may be either ( 1) a direct invasion of some
legal right of the individual; (2) the infraction of some public duty by which special damage
accrues to the individual ; (3) the violation of some private obligation by which like damage
accrues to the individual. In the former case , no special damage is necessary to entitle the
party to recover. In the two latter cases, such damage is necessary. See Note.
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 Note: ‘Torts'’ are a fabrication and a fraud . In order to keep judges from having
criminal charges filed against them , a way of cheating on the rules was needed (in
order to stay in business within the system) wherein a civil charge could be
converted into a criminal charge, and vice versa . The solution was a third system of
law within the courts called “torts . ” “Tort” means “a twisting . " When words such as
“accused of,” “counts, ” and “fraud ,” appear in a civil complaint it is said to be “in the
nature of a criminal process.” Since it is in the nature of a criminal process , one can
respectfully reserve the right to remain silent and not be a witness against himself.
All interrogatories are thereby thwarted—there is no discovery—and the tort claim is
killed . They must proceed criminally with a jury trial—and it’s all over because it isn’t
simple for them anymore and it ’s no longer profitable. That’s how tort claims are
stopped.

TRADE-NAME. A trade-name is a name which by user and reputation has acquired the
property of indicating that a certain trade Or occupation is carried on by a particular person.
The name may be that of a person , place , or thing, or it may be what is called a “fancy
name , " ( i.e. a name having no sense as applied to the particular trade , ) or word invented for
the occasion , and having no sense at all. Seb. Trade-Marks, 37 Sweet. Black’s 1st. See
Note.

Note: Any alphabetical variant of someone’s true name set forth in ALL-CAPITAL
LETTER /abbreviated format so as to express an idem sonans legal Construct that
signifies a juristic person , a corporate entity , as well as any other type of artificial
contrivance such as a corporation , trust , partnership, “doing business as (dba)," and
the like . A TRADE NAME functions as a “transmitting utility” in commerce for and on
behalf of the man/woman . In accordance with the “Law of the Flag, ” a TRADE
NAME is artificial, abstract, and corporate in nature while a man has physical
existence. TRADE NAMES are not the equivalent of the man/woman on whose
behalf the TRADE NAME functions as a flag, transmitting utility, proprietary
trademark, etc .

TRADEMARK, a 1. A word, phrase , logo , or other graphic symbol used by a manufacturer

or seller to distinguish its product or products from those of others. •The main purpose of a
trademark is to guarantee a product’s genuineness. In effect, the trademark is the
commercial substitute for one’s signature. . . . In its broadest sense , the term trademark
includes a servicemark . - Often shortened to mark . .. . Black’s 7th. Compare servicemark.

TRADING WITH THE ENEMY ACT OF OCTOBER G, 1917. (H .R . 4960, Public, No. 91) “. . . (b)
During time of war or during any other period of national emergency declared by the
President, the President may , through any agency that he may designate , or otherwise,
investigate , regulate, or prohibit, under such rules and regulations as he may prescribe , by
means of licenses or otherwise , any transactions in foreign exchange , transfers of credit
between or payments by banking institutions as defined by the President, and export,
hoarding , melting, or earmarking of gold or silver coin or bullion or currency, by any person
within the United States or any place subject to the jurisdiction thereof; and the President
may require any person engaged in any transaction referred to in this subdivision to furnish
under oath, complete information relative thereto , including the production of any books of
account, contracts , letters or other papers, in connection therewith in the custody or control
of such person, either before or after such transaction is completed. . . .’’ and “(c) Such other
individuals , or body or class of individuals , as may be natives, citizens , or subjects of any

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 nation with which the United States is at war , other than citizens of the United States,
wherever resident or wherever doing business, as the President, if he shall find the safety of
the United States or the successful prosecution of the war shall so require, may, by
proclamation, include within the term ’enemy’.” [Underline emphasis added.] See Note.

Note: A Government’s tactic of fostering emergencies and stepping in as hero to

extricate the people from the “difficulty” by dramatically increasing state power is as
old as governments themselves. The U.S. bankruptcy occurring in 1861 placed the
country under Emergency War Powers (12 Stat 319), which has never been
repealed and exists in Title 50 United States Code (USC) §§212, 213, 215, Appendix
16, 26 Code of Federal Regulations (CFR) Chapter 1 § 303.1-6(a) , and 31 CFR
Chapter 5 § 500.701 Penalties. The "Civil War” was not fought over slavery , but
over private bank control of America. On October 6, 1917 , the United States
passed the Trading With the Enemy Act (H R. 4960, Public Law 91), granting itself
extraordinary additional powers under the cover of WWI.

On March 9, 1933, just after Roosevelt’s Inauguration, Congress passed the

Amendatory Act (48 Stat. 1) to the Trading With the Enemy Act, at a time when the
United States was not in a shooting war with any foreign foe (Government had
become an administration for the creditors in bankruptcy). The amended version
provided legal justification for dramatic increases in the power , scope, and authority
.
of the U S. Government (now owned by, and an administrative agency of, the
Federal Reserve/IMF bankers). Aspects of such increase are:

The President became “King” via Section 1 of Title I of the Act:

“The actions, regulations, rules, licenses, orders and proclamations

heretofore or hereinafter taken , promulgated , made, or issued by the
President of the United States or the Secretary of the Treasury,
pursuant to the authority conferred by subdivision (b) of section 5 of
the Act of October 6, 1917, as amended, are hereby approved and
confirmed.

This means that anything the President wants to do is "approved and

confirmed” automatically, in advance (i.e. "hereinafter”) and backed by the full
force, effect, and power of the “Government.” Title 12 USC 95(a) states in
part:

“(a) In order to provide for the safer and more effective operation of the
National Banking System and the Federal Reserve System [indicating
that the President acts for , on behalf of, and under the direction of the
Federal Reserve!...during such emergency period as the President of
the United States by proclamation may prescribe,...”

Every President since Roosevelt has reaffirmed the “national emergency” and
issued “Executive Orders” under 12 USC 95(a), and continued the
“reorganization” of the country in favor of the Federal Reserve/IMF bankers.
Since March 18, 1968, 31 USC 5112 (84 Stat. 1769; 1970) and 31 USC
5119, FRNs have not been redeemable in silver. In 1971-1973 President
Nixon declared total international bankruptcy, rendering private Federal
Reserve “Notes” unredeemable, non-negotiable (“ floating”) pieces of paper as
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 a medium of exchange, These Notes are listed in 26 USC 165(g) as
“worthiess securities ."

The original Trading With the Enemy Act excluded citizens of the United
States from being treated as the enemy when involved in transactions wholly
within the United States , The Amendatory Act of March 9, 1933, however,
included the people of the United States as the enemy by inserting the
following:

“.. . by any person within the United States or any place subject to the
jurisdiction thereof;... ” Chapter 1, Title 1, Section 1(b).

By operation of law, all persons (“citizens of the United States”) involved in

monetary transactions “within the United States” became official enemies of
the U.S. Government and, as such, required a license for almost every type
of commercial activity imaginable. The fact that sovereign Americans do not
qualify as “persons within the United States ," and hence are not subjects of
the legislation, was not explained for them by the U.S. Government in 1933,
nor anytime thereafter (and never will be) .

TRADING WITH THE ENEMY. The federal offense of carrying on commerce with a nation or
with a subject or ally of a nation with which the United States is at war. Black’s 7th. See
mark , marque, Mark of the Beast.

TRANSMIT. [ME transmitte < L transmitte(re) (to) send across, equiv . to trans- TRANS- +
mittere to send] v.t. to convey or pass along (an impulse, force, motion, etc. ). Webster's.
See convey .

TRANSFERRED FOR VALUE. See UCC 3 - 303, Value and Consideration.

TRANSMITTING UTILITY . ’’Transmitting utility” means a means a person primarily

engaged in the business of any of the following: (A) Operating a railroad, subway, street
railway, or trolley bus . (B) Transmitting communications electrically , electromagnetically, or
by light. (C) Transmitting goods by pipeline or sewer. (D) Transmitting or producing and
transmitting electricity, steam, gas, or water. UCC 9- 102(a)(80). Filing office for
transmitting utilities . The office in which to file a financing statement to perfect a security
interest in collateral, including fixtures, of a transmitting utility , is the office of is the office
of the Secretary of State.... UCC 9-501(b). Transmitting Utility financing statement. If a
debtor is a transmitting utility and a filed financing statement so indicates, the financing
statement is effective until a termination statement is filed. UCC 9-515(f). See Note,
transmit, utility .

Note: We all use, in some degree, electricity, steam, gas, water, telephone service,
sewer service, etc. in our life. The bills for these services come in the TRADE
NAME of our straw man, but we are the ones who must pay . These services are
— —
accessed i . e. “transmitted” by virtue of the straw man TRADE NAME, in whose
all-capital letters-written fictitious name we have a nexus with the public venue. Your
straw man interfaces between you and the public industrial society. He transmits
on your behalf from the public venue into the private venue, all manner of services
that are available only from the public venue via artificial-person TRADE NAMES,
i.e. straw men whose names appear in all-capftat letters . The term “utility ” in patent

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 law means: “Industrial value; the capability of being so applied in practical affairs as
to prove advantageous in the ordinary pursuits in life, or add to the enjoyment of
mankind.” Flesh-and-blood men and women can enjoy value from the industrial
community that is conveyed/sent/transferred/transmitted for their use by a
transmitting utility . The proper venue for filing when the debtor is a transmitting
utility, including fixtures (goods intimately related with real property), is the office of
the secretary of state per both Revised Article 9 UCC 9-501 and Previous Article 9
UCC 9-401(5)—and not the county recorder’s office, as with all other types of debtor
filings. However, anyone with real estate holding should also file a financing
statement in the office of the county recorder/clerk wherein the real estate is located.
Also, there is nothing prohibiting anyone from re-filing/recording such filing in the
office of the county clerk/recorder if desired. Under Revised Article 9 the location of
the debtor, not the collateral, is the proper jurisdiction for almost all filings, but in
case of any doubt , a filing could be filed in any jurisdiction where collateral is located,
.
as well Per Revised Article 9 UCC 9-307 individual debtors are considered located
at the individual’s residence; corporations and limited partnerships are located in
their state of organization. The transmitting utility filing is also permanent per both
-
Revised Article 9 UCC 9-515(0 and Previous Article 9 UCC 9 403(6) and need not
be renewed every five years like other types of filings—more evidence that this route
constitutes remedy . See straw man,

TRAVERSE. In the language of pleading , a traverse signifies a denial. Thus, where a

defendant denies any material allegations of fact in the plaintiffs declaration, he is said to
traverse it, and the plea itself is thence frequently termed a “traverse."... Black 's 1 . See
st

traverser.

TRAVERSER. In pleading. One who traverses or denies. A prisoner or party indicted; so

called from his traversing the indictment.

TRUE. Conformable to fact; correct; exact; actual; genuine; honest. In one sense, that only
is "true” which is conformable to the actual state of things. In that sense a statement is
“untrue” which does not express things exactly as they are. But in another and broader
sense the word “true” as a synonym of “honest,” “sincere,” not “fraudulent.” Black’s 1st.

TRUE BILL. In criminal practice. The indorsement made by a grand jury upon a bill of
indictment, when they find it sustained by the evidence laid before them, and are satisfied
with the truth of the accusation. 4 Bl. Comm. 306. Black 's 1st. See Note.

Note: A true bill, both in criminal practice and in commerce is a ledgering, a

bookkeeping/accounting, with every entry established via affidavit certified and
sworn on the responsible party’s commercial liability as true, correct, and complete,
and always contains and is characterized by a one-to-one correspondence between
items/services purchased and offenses committed and the corresponding debt
owed. This commercial relationship is what is known as “just compensation” (Fifth
Article of Amendment of the Constitution). In the relationship between the
Government and the American people, a true bill is called a warrant (Fourth Article
of Amendment of the Constitution), and the direct taking of property by legislative act
( e.g . by the Federal Reserve's Internal Revenue Code) is called a “Bill of Pains and
Penalties” (Constitution, Article I, Section 10, Clause 1, and Article I, Section 9,
Clause 3—“Bill of Attainder”).

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TRUE NAME. When a defendant is indicted or prosecuted by a fictitious or erroneous name,
and in any stage of the proceedings his true name is discovered, it must be inserted in the
subsequent proceedings, referring to the fact of his being charged by the name mentioned
in the indictment or information. Oklahoma Statutes, Chapter 22, § 403. “17b If you
checked the ‘Yes' box in line 17a, give applicant’s true name and trade name, if different
than name shown on prior application.’’ Internal Revenue Sen/ice Form SS-4 (Rev. April
1991), Application for Employer Identification Number. “2. PLEASE TELL US ABOUT
YOURSELF: Use your true full name...” California Department of Motor Vehicles Form DL
44 (REV. 8/2000), DRIVER LICENSE OR IDENTIFICATION CARD APPLICATION. See Note,
legal fiction. Compare fictitious name.

Note: The term, “true name,” is used whenever such inclusion may benefit actors in
government, but is not specifically defined as such in the law dictionaries that
government actors draw from, Defined in Black’s 4th within the definition of another
term, “fictitious name” (see fictitious name). Per the rules of English grammar and
the prescriptions of law, only initial letters of the name of men/women (a proper
noun) are capitalized. The combination of one’s Christian/given name(s), plus one’s
family name/surname, when written in this manner, constitutes one’s true name.
Newspapers, when naming defendants and those convicted of a crime, always
properly state the true name (in proper English) of the targeted party. “Names”
falling outside the rules of English grammar are artificial constructs and exist only “by
force of or in contemplation of law,” i.e. are corporate/corporately colored.
Governmental/judicial use of an all-caps spelling is a presumption irrespective of the
facts (see legal fiction). A true name, like a TRADE NAME, is property, and can
be copyrighted. “Appellation” is a superior concept re both true name and TRADE
NAME, and must be grasped to enjoy sovereignty.

TRUST FUND. The property held in a trust by a trustee. Black’s 7 .

th

- .
TRUST FUND DOCTRINE The principle that the assets of an insolvent company , including
paid and unpaid subscriptions to the capital stock, are held as a trust fund to which the
company’s creditors may look for payment of their claims.” Black's 7th.

TRUTH IN LENDING ACT. “This regulation, known as Regulation Z, is issued by the Board of
Governors of the Federal Reserve System to implement the Federal Truth in Lending Act,
which is contained in title 1 of the Consumer Credit Protection Act as amended (15 U.S.C.
1601 et seq.).... The consumer may exercise the right to rescind until midnight of the third
business day following consummation, delivery of the notice required by paragraph (b) of
this section, or delivery of all material disclosures, whichever occurs last....” Title 12 Code
—
of Federal Regulations Chapter II (1-1-98 Edition) PART 226 TRUTH IN LENDING
(REGULATION Z).

UCC. Uniform Commercial Code.

.
UCC § 1-103 Supplementary General Principles of Law Applicable. Unless displaced by the
particular provisions of this code, the principles of law and equity, including the law
merchant and the law relative to capacity to contract, principal and agent, estoppel, fraud,
misrepresentation, duress, coercion , mistake, bankruptcy, or other validating or invalidating
cause shall supplement its provisions.

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 . .
UCC § 1-104 Construction Against Implicit Repeal This code being a general act intended
as a unified coverage of its subject matter, no part of it shall be deemed to be impliedly
repealed by subsequent legislation if such construction can reasonably be avoided. UCC.
See Note.

Note: Nothing in the UCC has ever been repealed, nor can it ever be. In the event of
conflict between a deleted section and a current section , the deleted section
controls. If this is examined one will see that it cannot be any other way. Potentially
countless commercial transactions can be consummated based on the current UCC
at any given time. To " cancel" any portion of the UCC at a later point is to throw into
upheaval and chaos all commercial agreements that were based on the deleted
portion, an act that would carry unimaginably astronomical liability for any of the
actors who attempted to effect such change.

.
ULTRA VIRES Unauthorized; beyond the scope of power allowed or granted by a corporate
charter or by law. Black’s 7th.

UNIFORM COMMERCIAL CODE (UCC) . One of the Uniform Laws drafted by the National
Conference of Commissioners on Uniform State Laws and the American Law Institute
governing commercial transactions (including sales and teasing of goods, transfer of funds,
commercial paper, bank deposits and collections, letters of credit , bulk transfers, warehouse
receipts, bills of lading , investment securities , and secured transactions). The UCC has
been adopted in whole or substantially by all states. Black's 6m. A code of laws governing
various commercial transactions , including the sale of goods, banking transactions,
secured transactions in personal property, and other matters, that was designed to bring
uniformity in these areas to the laws of the various states , and that has been adopted, with
some modifications, in all states, as well as in the District of Columbia and in the Virgin
Islands. Barron's 3rd. Unless displaced by the particular provisions of this code, the
principles of law and equity, including the law merchant and the law relative to capacity to
contract, principal and agent , estoppel, fraud , misrepresentation, duress, coercion , mistake,
bankruptcy, or other validating or invalidating cause shall supplement its provisions. UCC
1-103. See Note.

Note: To paraphrase the third definition above, the UCC is the supreme codified law
on the planet , and all other forms of law are encompassed by it and included in it .
Pennsylvania was the first state to adopt the UCC (July 1, 1954) , and Louisiana the
last (January 1, 1975).

.
UNITED STATES (U.S., US) “United States" —
means (A) a federal corporation... 28 USC
§ 3002(15), Ch. 176. It is clear that the United States...is a corporation 534 FEDERAL
I « «

SUPPLEMENT 724. The United States of America is a corporation endowed with the
capacity to sue and be sued, to convey and receive property . 1 Marsh Dec. 177, 181.
Bouvier’ s Law Dictionary, Fifth Edition. This term has several meanings. It may be merely
the name of a sovereign occupying the position analogous to that of other sovereigns in
family of nations, it may designate territory over which sovereignty of United States
extends , or it may be collective name of the states which are united by and under the
Constitution. Black ’ s 6th. The United States Government is a Foreign Corporation with
respect to a State. 19 Corpus Juris Secundum § 884, In re: Merriam’s Estate, 36 N.Y. 505,
. .
141 N. Y. 479, Affirmed in U.S v Perkins 163 U . S. 625 . “What is included in terms ‘United
—
States’ and ’Possessions of United States,’ Hawaii and Alaska are included in the term
‘United States.’ Porto Rico, the Virgin Islands of the United States , the Philippine

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Archipelago, Guam, Tutuila and Manua and other islands of the Samoan group east of
longitude 171° west of Greenwich, and the Canal Zone are included in the term
‘Possessions of United States .. . ' UNITED STATES OFFICIAL POSTAL GUIDE, JULY 1929.
“The Code has become one of the United States’s important exports: ...” The ABC’s of the
UCC, by Russell A Hakes (2000). See Note, District of Columbia, “in this state, ”
bankruptcy . Compare United States of America.

Note: It is well settled that “United States” et al is a corporation, originally

incorporated February 21, 1871 under the name “District of Columbia,” 16 Stat. 419
Chap. 62 (reorganized June 11, 1878) ; a bankrupt organization per House Joint
Resolution 192 of June 5, 1933, Senate Report 93-549, and Executive Orders 6072,
6102, 6111, and 6246; a de facto (see defacto) government; originally the 10-
square miles tract ceded by Maryland and Virginia and comprising Washington,
D.C ., plus the possessions, territories, forts, docks, and arsenals (tract from Virginia
was retroceded in 1846). It is also abundantly clear that, in postal matters, the term,
United States , is a political entity distinct from the 50 freely associated compact
.
States (the several States) of the Union From the last cite in the definition above,
one can also see that United States is a singular proper noun. Just as corporate
General Motors is not plural, neither is corporate United States. For a corporate
history of “United States , Inc.” see “Demise of the American Constitutional
Republic” in Appendix .

UNITED STATES CODE (USC). A multi-volume published codification of federal statutory

law. •In a citation, it is abbreviated as USC, as in 42 USC § 1983. Black's 7th.

UNITED STATES NOTES. Promissory notes , resembling bank-notes , issued by the

government of the United States . Black’s 6th. Compare Federal Reserve Notes See Note.

Note: The last president to print United States Notes was JFK. Lincoln, Garfield,
McKinley , and Kennedy were assassinated for the same reason: they were making
significant changes in the monetary system. Assassinations were attempted on
other presidents by the same people for the same reason, but were unsuccessful.

UNITED STATES OF AMERICA (U.S.A., USA ). The republic whose organic law is the
constitution adopted by the people of the thirteen states that declared their independence
of the government of Great Britain on the fourth day of July, 1776.... If the nation comes
down from its position of sovereignty and enters the domain of commerce, it submits itself to
the same laws of commerce that govern individuals therein. It assumes the position of
ordinary citizen and it cannot recede from the fulfillment of its obligations. Bouvier’s 8th. A
federal republic formed after the War of Independence and made up of 48 conterminous*
states, plus the state of Alaska and the District of Columbia in North America , plus the
th
state of Hawaii in the Pacific. Black 's 7 . “Of or pertaining to, or founded upon and
organized by a compact or act of union between separate sovereign states, as (1) by a
league for common interest and defense as regards external relations, the internal
sovereignty of each member remaining unimpaired, as the Hanseatic League or the
German Confederation; or (2) by a permanent act of union founded on the consent of the
people duly expressed, constituting a government supreme within the sphere of the powers
granted to it by that act of union, as the United States of America. - The constitution of
the United States of America is of a very different nature than that of the German
Confederation , It is not merely a league of sovereign States for their common defence
against external and internal violence, but a supreme federal government or compositive

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 State, acting not only upon the sovereign members of the Union , but directly upon all its
citizens in their individual and corporate capacities. WHEATON Elements International Law §
52, p. 78 [L. B. & CO '66] - From 1776 to 1789 the United States were a confederation;
after 1789 it was a federal nation." Excerpted from the definition of federal in: A Standard
Dictionary of the English Language. Funk & Wagnalls Company , 1903. Compare United
States, District of Columbia. See Note, Clearfield Trust Doctrine.

CONTERMINOUS . Adi. 1. Sharing a common boundary. 2. Enclosed within a common

boundary. Black’s 7 .
Note: Notice that the 1903 Funk & Wagnalls affirms that the term, "United States,"
was a plural designation between 1776 and 1789, but that after 1789 it was singular.

USC. See United States Code.

UTILITY. [ME utilite < OF utelite < L utilitat- (s. of utilitas ) , equiv. to util(is) useful... + - itat -
( TYj something useful; a useful thing. Webster’ s. “Utility is said to be absence of frivolity

and mischievousness , and utility for some beneficial purpose; Rob. Pat. § 339; and the
degree of utility is not material; Gibbs vs . Hoefner , 19 Fed. 323. ” Bouvier’s 8th. See
transmitting utility .

VALUE. [< L valere , to be worth] equivalent worth or return in money , material, services,
etc. Webster’s. “(44) . .. a person gives “value” for rights if he or she acquires them in any of
the following ways; (a) In return for a binding commitment to extend credit or for the
extension of immediately available credit whether or not drawn upon and whether or not a
chargeback is provided for in the event of difficulties in collection, (b) As security for , or in
total or partial satisfaction of, a preexisting claim, (c) By accepting delivery pursuant to a
preexisting contract for purchase, (d) Generally, in return for any consideration sufficient to
support a simple contract.” UCC 1-201(44). (a) An instrument is issued or transferred for
value if any of the following apply... (3) The instrument is issued or transferred... as security
for , an antecedent claim against any person... UCC 3-303(a)(3) . See Note.

Note: A necessary provision of law is “remedy ” (see remedy ). The operation of

“Acceptance For Value” is, by deduction, remedy. When you file a UCC Financing
Statement and redeem your original birth document and claim the straw man’s
TRADE NAME no one can dispute/challenge the claim, and title passes You have, .
by definition, the supreme right to reclaim title of the birth-certificate straw man and
—
TRADE NAME—over all others because its very existence is derived entirely from
you, thereby evidencing value in fact , every one of the above definitions applies
,

directly in the case of you and your TRADE NAME. A good exercise would be to
work through all the definitions until you understand how the value aspect applies;
sub-paragraphs “(a) ,” “ (b)," and “ (c)" of the sample Private Agreement offered herein
are taken directly from the above definitions of value . Once you fully understand
how you have given , and continue to give , value you will know how you acquired
your rights, and you will also achieve an unshakable certainty of your true standing
in the societal scheme of things. The fact that you have “given value” is confirmed
and tacitly acknowledged and validated by government in its silence and registration
of the UCC Financing Statement. Among other things: “The instrument [your birth
document] is...transferred [redeemed by you]...as security for, an antecedent claim
against any person [your TRADE NAME]’’ based on your preexisting claim. See
acceptance by silence , remedy , presumption .

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VEHICLE. That in or on which persons, goods, etc , may be carried from one place to
another, especially along the ground.... That which is used as an instrument of conveyance,
transmission or communication. Term refers to every device in, upon or by which a person
or property is or may be transported upon a highway.... Black ' s 6th. See Note.

Note: Per the above definition , a transmitting utility is a straw man is a vehicle.
Another definition of vehicle is “inland vessel in admiralty.” See vessel, admiralty .

VESSEL. ...the term “thvessel,” in admiralty iaw, is not limited to ships or vessels engaged in
commerce. Black’s 6 . See Note, res.
Note: In admiralty , names of vessels are designated in all-capital letters.
Whenever you appear in any public forum it is always via your straw man, your ail-
capital-letters vessel, much like an officer stands on the bridge of his ship and sails
it into port. All law is now admiralty /maritime and you can no longer go into court as
a man/woman, only by "sailing your vessel” into the jurisdiction of the court.
Everyone speaks from his/her vessel, with one vessel-officer transacting with
another. Each is trying to get the other officer to recognize the condition of his/her
vessel; i.e. its registration. If a vessel is unregistered on the high seas in time of
war it is presumed /assumed to be a pirate vessel to be confiscated and
investigated . If the vessel is registered , the exact issue is with which public entity is
it registered? Your straw man is a transmitting utility is a vessel is an inland vessel
in admiralty is a public vessel is a vehicle . In times of war (now) neutral vessels
(TRADE NAMES) require passports . See public vessel, passport.

.
VICE-ADMIRALTY COURTS. In English law Courts established in the queen's possessions
beyond the seas , with jurisdiction over maritime causes, including those relating to prize .
See Note, prize , prize law , booty .

Note: All courts in America are vice-admiralty courts in the Crown’s private
commerce . See Note barratry .

VOLUNTARY SURETY. See surety .

VOLUNTARY SURETYSHIP. See suretyship .

WAR. Hostile conflict by means of armed forces, carried on between nations, states, or
rulers, or sometimes by parties within the same nation or state; a period of such conflict.
Black’s 7th. See Note.

Note: The above definition includes the war currently being conducted by the US
Government against the American people as sureties of their “citizen of the United
States” TRADE NAME , as declared in the Amendatory Act (March 9, 1933) to the
Trading With the Enemy Act of October 6, 1917. See Trading With the Enemy Act
of October 6 , 1917 .

WAR CONTRIBUTION. Int'l law . An extraordinary payment imposed by an occupying power

on the population of an occupied territory during wartime. Black ' s 7th. See Note.

Note: Social Security payroll taxes are war contributions . See contribution , Ponzi
scheme .

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185
 .
WAR, MIXED See mixed war.

WAR POWERS. See Trading With the Enemy Act of October 6, 1917.

WARDS OF COURT. Infants and persons of unsound mind. Black' s 4 th .

Note: Per Corpus Juris Secundum clients of attorneys are “wards of the court,”
thereby also qualifying them as persons of unsound mind ( non compos mentis ). See
client, attorney & client.

WAREHOUSEMAN. A "warehouseman” is a person engaged in the business of storing

goods for hire. UCC 7-102(h) . See Note, goods .

Note: Some birth certificates have two sets numbers printed on the back of them.
One of the numbers identifies the state “warehouse district" where the birth took
place. The state is the warehouse. Each county is a warehouse district. The
Governor is the main warehouseman . The county recorder of each county is the
district warehouseman. The birth certificate is a warehouse receipt, and a field
warehouse receipt. It is also a dock receipt. The "ship,” the "vessel in admiralty ,”
the TRADE NAME, was berthed (birthed) at a specific warehouse (hospital) in a
specific warehouse district (county), and the “goods” (your body) were “delivered”
therein. See warehouse receipt, field warehouse receipt, delivery .

WAREHOUSE RECEIPT. A receipt issued by a person (bailee) engaged in the business of

storing goods for hire. U.C . C . § 1-201(45). A warehouse receipt constitutes a document of
title under the Uniform Commercial Code , which evidences that the person in possession of
the document is entitled to receive, hold, and dispose of the document and the goods it
covers U.C.C. § 1-201(15). A warehouse receipt may be a negotiable instrument ,
depending on its terms. Barron’s 3rd. "A warehouse receipt... or other document of title is
negotiable (a) If by its terms, the goods are to be delivered to bearer or to the order of a
named person; or (b) Where recognized in overseas trade, if it runs to a named person or
assigns.” UCC 7-104(1). See field warehouse receipt, former California Civil Code §
1858.04.

WHOLESALE. To sell by wholesale is to sett by large parcels, generally in original

packages, and not by retail. Black’s 1st. Compare retail.

Note: The US government acquired birth- certificate straw-men titles in wholesale,

bulk purchase.

.
WIZARD OF OZ, THE Motion Picture. 1939. Metro-Goldwyn-Mayer. Book by L. Frank
Baum; Adaptation by Noel Langley; Screenplay by Noel Langley, Florence Ryerson, and
.
Edgar Allan Woolf; Lyrics by E. Y Harburg; Produced by Mervyn LeRoy; Directed by Victor
Fleming. See Note.

Note: Just as you can read between the gory lines in the newspaper on any day and
— —
discover clues issued by the Powers That Be if you look hard enough as to what
is actually going on , such notice can also be found in lighter fare, like the movies.
Such a movie was The Wizard of Oz, an allegory for the new state of affairs in
America in the 1930s following the stock market crash and factual bankruptcy of the
US Government immediately thereafter.

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 The setting was Kansas: Heartland America , and geographical center of the USA. In
comes the twister, the tornado, i.e. whirling confusion—the stock market crash, theft
of America’s gold, US bankruptcy , the Great Depression and whisks Dorothy and
Toto up into a new , artificial dimension somewhere above the solid ground of
—
Kansas. When they finally land in Oz, Dorothy comments to her little companion:

“Toto, I have a feeling we' re not in Kansas anymore.”

After the bankruptcy, Kansas was no longer just plain old “Kansas” it was now
“KS ," artificial corporate venue of the bankrupt United States, newly established
—
“ federal territorypart of the “Federal Zone,” and Dorothy and Toto were “in this
state” (see “in this state”).

In the 1930s, the all-capital letters-written (see ali-capital ietters-written) straw man
(see straw man) , newly created artificial aspect of the former American sovereigns,
—
had no brain and Americans were too confused and distracted by all the
commotion to figure out that they even had a straw man (TRADE NAME). The
Scarecrow identified his straw-man persona for Dorothy:

“Some people without brains do an awful lot of talking. Of course, I’m not
bright about doing things."

And in his classic song , “If I Only Had a Brain,” the Scarecrow /Straw Man succinctly
augured:

“I’d unravel every riddle,

For every ‘individdie ,’ ( see individual)
In trouble or in pain.”

Translation: Once one discovers that his straw man exists , alt political and iegal
—
mysteries, complexities, and confusions are resolved and once one reclaims the
legal title attached thereto, he can protect himself from legal trouble and damage .
—
The Tin Man, or “T-l-N” Taxpayer Identification Number Man , was a hollow man —
of metal, a “ vessel," a “vehicle" ( see vessel , vehicle), newly created commercial
code words for the straw man. Just like the Scarecrow/Straw Man had no brain, this
Tin Man vessel had no heart. Both were “ artificial persons” (see person). One of
the definitions of “tin" in Webster’s is “counterfeit." The Tin Man also represented the
mechanical and heartless aspect of commerce and commercial law . Just like they
—
say in the Mafia: “Nothing personal it ' s just business.” The heartless Tin Man also
—
carried an ax, traditional symbol for God i.e. modern commercial law in most —
earlier, dominant civilizations, including fascist states. In the words of the Tin Man,
expressing relief after Dorothy had oiled his arm:

"I've held that ax up for ages .”

The word “ace” is etymologically related with the word “ax,” and in a deck of cards
the only one above the King is the Ace, i.e. God. One of the “Axis” Powers of World
War II, Italy, was a fascist5® state. The symbol for fascism is the “ fasces, " a bundle
56
The root word of “fascist” is fas , defined in Black 's 6"' as: “Lat . Right ; justice; the divine law. In primitive times it
was the will of the gods, embodied in rules regulating not only ceremonials but the conduct of all men. '’1

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 of rods with an ax bound up in the middle and its blade projecting. The fasces may
be found on the reverse of the American Mercury-head Dime (the Roman deity
Mercury was the God of Commerce), and on the wall behind, and on each side of,
the speaker’s podium in the US Senate (each gilded fasces is approximately six feet
in height ; at the base of the seal of the US Senate are two crossed fasces), and
directly below Lincoln’ s hands on the face of the arms of the chair in which Lincoln is
sitting at the Lincoln Memorial in Washington, DC.

The Lion, or “king of beasts” (see Gentile; some members of society regard you and
your family and friends as nothing more than animals, “cattle,” to be bred and
birthed, herded and harvested, and sold and slaughtered according to the whims of
—
those who run the global plantation) a denigration in itself—representing the once-
fearless American people, had lost his courage. After your first round with the UCC-
constituted IRS "defending” your T-l-N-man dummy-corporation vessel/vehicle,
individual-employee public corporation, all-capital-letters-written juristic name,
artificial-person straw-man TRADE NAME, you probably lost some of your courage
too. You didn’t know it, but the IRS has been dealing with you strictly under the laws
—
of Commerce and just like the Tin Man , Commerce is heartless.

To find the Wizard you had to “ follow the yellow brick road,” i.e. follow the trail of
America’s stolen gold and you will find the thief who stole it. In the beginning of the
movie the Wizard was represented by the traveling mystic, "Professor Marvel,”
whom Dorothy encountered when she ran away with Toto, His macabre shingle
touted that he was “Acclaimed By The Crowned Heads of Europe, Past, Present ,
and Future . ” Boy, that Professor Marvel must have been a regular wizard to be
—
acclaimed by the future crowned heads of Europe before they were even crowned!
Before the bankers stole America , they had long since disempowered the Christian
monarchies of Europe and looted their kingdoms . Maybe this “Professor Marvel”
fellow knew something about the future that other folks didn’t . With a human skull
peering down from its painted perch above the door inside his wagon, the good
professor lectured Dorothy of the priests of ( sis and Osiris and the days of the
pharaohs of Egypt .

When Dorothy Gale and her new friends emerged from the forest they were elated to
see Emerald City before them, only a short jaunt away. The Wicked Witch of the
West, desperate for the ruby slippers that Dorothy was wearing, would have to make
her move before our heroes were inside the walls. A significant point here is that in
the original book , The Wonderful Wizard of Oz, published in 1900, (39 years
earlier ), the slippers were not ruby, or red, but silver. At the time the book was
written America still had all its gold and silver , and the value of one ounce of gold
was set at 15 ounces of silver, silver being the more plentiful of the two metals. Just
as the silver slippers carried Dorothy, America’s stockpile of silver, and gold, backing
the currency carried the country to a position of preeminence throughout the world at
that time. But , as mentioned, when the movie came out in 1939 the slippers were
not silver , but red.

Between 1916 and 1933, virtually all of America’s gold ended up in England and
Germany, as directed by the owners of the private Federal Reserve Bank. The
reason for this was that Federal Reserve Notes could be redeemed in gold and the
use of Federal Reserve Notes carried an interest penalty that could only be paid in
gold. We traded our gold in exchange for the use of (worthless) paper with green ink
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 on it , whereas our original currency, United States Notes, carried no such interest
—
requirement but such was the bargain that came with the Federal Reserve Notes.
When bankruptcy was declared in 1933, Americans were required to turn in all gold
coin , gold bullion , and gold certificates by May 1st—May Day (the birthday of
Communism in Bavaria in 1776, the birthday of IRS, and celebrated worldwide as
the “International Workers Holiday”—a holy day to the Wizard and his tribe).
Consulting people who were alive at that time , you may find out that the general
sentiment toward such thievery bordered on a second revolution. Maybe it was just
too much of a clue, too much salt in the wound, for Dorothy to be skipping down the
“ Yellow Brick Road” in a pair of “silver slippers” so, for whatever reason, a color less
likeiy to annoy and provoke was selected.

Regarding the choice of "ruby” (red-colored) slippers: Red’s primary significance, at

least on documents and the like, is that it is the color of blood, as in ftesh-and-b/ood,
and symbolizes a living, breathing man/woman, i.e. non-corporate/artificial. It also
signifies “private ,” rather than public "public.’’ The new Social Security card has a
red serial number on the reverse, likely signifying the private-side account
associated with your TRADE NAME' S public-side Social Security Account Number
( before Redemption). For postal employees, red-sticker Registered Mail means
—
"personal accountability" (private) all other mail carries “limited liability” (public) . It
is likely that the ruby slippers symbolized the American people with blood in their
—
veins and not “citizen of the United States”-straw men TRADE NAMES with the
counterfeit “corporate biood” of biue/black ink on a birth certificate. No matter their
color in the movie, the Wicked Witch of the West wanted those slippers at any cost
and had to move fast before Dorothy and crew could make it into Emerald City.

Her tactic was to cover the countryside with poppy flowers, or "poppies,” the source
of heroin , opium, and morphine, symbolically drugging them into unconsciousness,
and then just waltz in and snatch the slippers. In other words, the best way to
subjugate the American people and boost the goods was to dull their senses by
getting them hooked on drugs (Note: LSD was created the same year, 1939, by Dr.
Albert Hoffman) . The poppies/drugs worked on Dorothy , the Lion and Toto, our
flesh-and-blood friends, but had no effect on the Scarecrow or the Tin Man, the
artificial entities. The two of them cried out for help and Glenda, the Good Witch of
—
the North, answered their prayers with a blanket of snow i.e. cocaine, a stimulant-
nullifying the narcotic effect of the poppies/opium on Dorothy , the Lion and Toto. At
this writing, aside from marijuana, the two most available drugs on the streets of
America are heroin and cocaine in their various forms.

As they all scampered toward Emerald City, the city of green (Federal Reserve
Notes, the new fiat "money ,” or “money by decree”), we heard the Munchkins singing
on the glory of the Wizard’s creation:

“You’re out of the woods,

You’re out of the dark,
You’re out of the night,
Step into the sun, step into the light,
Keep straight ahead for,
The most glorious place on the face of the Earth or the stars!”

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 The foregoing jingle abounds with llluminist-Luciferian symbols and metaphors re
darkness and light.

The Wicked Witch of the West made her home in a round, medieval watchtower,
ancient symbol of the Knights Templar of Freemasonry , who are given to practice
witchcraft and also credited as the originators of modern banking, circa 1099 A .D.
The Wicked Witch of the West was also dressed in black, the color symbolizing the
planet Saturn, sacred icon of the Knights Templar , and the color of choice of judges
and priests for their robes. Who was the Wicked Witch of the West? Remember, in
the First part of the film her counterpart was "Almira Gulch,” who, according to Aunt
Em, “owned half the county .” Miss Gulch aiieged that Dorothy’s dog, Toto, had
bitten her. She came to the farm with an “order from the sheriff’ demanding that
they surrender Toto into her custody . Aunt Em was not immediately cooperative,
and answered Miss Gulch’s allegations that Toto had bitten her:

“He’s really gentle. With gentle people, that is."

Could “gentle" really mean “Gentile”? (see Gentile) When Miss Guich defied them
to withhold Toto and “go against the law,” dear oid Aunt Em was relegated to
“pushing the Party line" for Big Brother. She dutifully succumbed under the pressure
and counseled Dorothy reluctantly:

“We can’t go against the law, Dorothy . I’m afraid poor Toto will have to go.”
When Dorothy refused to surrender Toto, Miss Gulch lashed out:

“If you don’t hand over that dog I’ll bring a damned suit that 'll take your whole
farm!”

Today, 70% of alt attorneys in the world reside in the West—America, to be exact —
and 95% of all lawsuits in the world are filed under US jurisdiction. The Wicked Witch
of the West and Miss Guich, my dear friends, represent Esquires (judges and
attorneys) ; i.e . the American legal system (including the attorney-run US Congress
and White House), executioner and primary henchman for transferring all wealth in
— —
America everything from the people into the possession of banks and the
government. The Wicked Witch of the West wanted the silver slippers—the precious
—
metats and her counterpart, Miss Gulch, wanted Toto. What does the word “toto”
mean in "attorney language,” i .e. Latin? “Everything!”

Dorothy and the gang fell for the Wizard’s illusion in the beginning, but soon wised
up and discovered the Wizard for what he was; a confidence man. When asked
about helping the Scarecrow/Straw Man, among other babblings about “getting a
brain” and "universities” the Wizard also cited "the land of 'E Pluribus Unum ,’ ” which
is Latin for “one out of many.” i.e. converting the many into one = New World Order,
Novus Ordo Seclorum, a Latin phrase placed on the American One Dollar Bill shortly
after the bankruptcy . He also proudly revealed/confessed that he was:

“Born and bred in the heart of the Western wilderness, an old Kansas man
myself!"

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190
&
 The bankers did pretty weli in Europe, but as the Wizard pointed out , they made a
.
killing in the “Western wilderness,” i.e America, with the theft of American gold,
— —
labor , and property from the quoting John D, Rockefeller “grateful and responsive
rural folk” who populated the country at that time.

When Dorothy asked Glenda, the Good Witch of the North (Santa Claus,
Christianity), for help in getting back to Kansas, Glenda replied:

“You don’t need to be helped. You’ve always had the power to go back to
Kansas.”

Translation: you’ve always had the right and power to exercise your sovereignty, you
just forgot. The actual act of asserting your sovereignty —remedy (see remedy ) a —
common-law copyright notice and a UCC Financing Statement for filing with the
secretary of state can be completed from scratch in no time.

America and Americans have intimate, firsthand knowledge of the heartless

mechanics of the laws of commerce, religiously applied by the unregistered foreign
agents at Internal Revenue Service.59 The IRS, accountancy firm and coiiection
agency for the private Federal Reserve Bank, was constituted under the UCC at its
inception in 1954 and has been operating strictly in that realm ever since.

You may have wondered what is the meaning behind the words in the title "The
Wizard of Oz.” Look them up in a dictionary. Like almost everything else, it’s right
out there in the open for you to see if you will just look closely enough. One
definition of “wizard" is: “a very clever or skillful person.” “O-z” is an abbreviation of
“ onza ," o-n-z-a , the Italian word for “ounce,” or “ounces,” the unit of measurement of
gold, silver, and other precious metals. No matter how large the quantity of
gold/silver being discussed, the amount is always expressed in ounces. E . g. rather
than “hundreds of tons” of gold, it’s “so many million ounces" of gold. As attested by
the factual history of this country: the “ Wizard of Oz” was the Wizard of Ounces.

Everything worked out for Dorothy, i. e. the American people, in the end and she
“made it home." Meaning: there is remedy in law { see remedy). It’s there it was —
just encoded and disguised and camouflaged. Fortunately, the code has been
cracked, and there is a way home, just like in the movie. Like Dorothy said, “There’s
no place like home”—and there isn't! There' s nothing like sovereignty for a
sovereign! We have commercial remedy in the Redemption Process. Will you
continue to be conned by the confidence men and worship the Wizard’s Light Show,
or will you wise up like Dorothy did and “look behind the scenes”?

59
See Revenue Agent.

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191
>
 Part II

Section 5

Copyright Notice Instructions

 Copyright Notice Instructions
I. Introduction.

A. The power of the Copyright Notice is the common law: unwritten, ancient, and
immutable. The Copyright Notice forms the basis of your ability to enforce ownership
rights over all property associated with, and registered in the TRADE NAME of, your
straw man. For this reason it is vital that you formally establish your claim of right of
ownership of property under the common law on the public record. Ideally you would
file your Copyright Notice at the county clerk/recorder’s office, but this office, like all
government offices, has been set up not for the purpose of enhancing the quality of life
for the little guy, but for functioning as an integral cog in Big Brother’s property- and
wealth-confiscation machinery.

The common law is alive and well and underlies all intercourse amongst all Americans,
and all law forms as well, including the Uniform Commercial Code, but the criminal
brilliance of the Chosen Masters in the legal, commercial, and financial arenas has
completely obliterated people’s awareness of it. The Norman French attorneys that
destroyed the quality of life and property rights in England beginning in 1066 have
carried forward across the centuries and have accomplished the same feat on this side
of the Atlantic. By switching the language, the whole of English society was thrown into
upheaval and the king’s esquires, with force of arms backing them, legally ravaged the
population. The same tribe of miscreants is now wreaking its wrath on America and the
rest of the world: the new attorney language is Latin, not French, and people are
drowning in an endless ocean of "code.” Most people are too overwhelmed by the
—
rigors of staying alive and paying their bills and taxes to even mount a defense to even
know what, exactly , is wrong. No matter the amount of grief, misery, and chaos inflicted
by the man-haters of the Money Power, however, accessing the common law instantly
levels the entire playing field.
All names constitute property; nothing more, nothing less. The esquire shysters that
enforce the agenda of the Legal Masters of the World have gotten one and all to identify
with the name, have gotten people to believe that they are their own name. A name is
—
useful communication tool for getting someone’s attention but response is voluntary
(and this is what sovereignty is all about). When Big Brother’s operatives ask you for
your name, they are asking you to turn over your private property, they are asking for
you to voluntarily surrender control of your private property so they can use the name
—
you give them to create an account and lodge a charge in it- the private property that
you voluntarily give them. If they do not get a name, guess what: there is no account
and there is no charge.

On the other side of the coin: when someone takes your property without
authorization i.e. without you voluntarily giving it to them and uses it for commercial
— —
gain, you have an innate right (the nature of common law) to charge them for it. The
UCC is expressly designed by esquire front men to facilitate this undertaking (you just
weren’t supposed to find out about it). All you need is the perpetrator’s name (and
address) and the UCC to enforce your common-law property rights. Pretty nifty.

Page 1 of 4 Copyright Notice Instructions

194
The common-law copyright of the name has been constructed so as to align perfectly
with the agreed-upon tenets of the UCC, thereby augmenting your common-law right to
require and obtain just compensation for the (unauthorized) use of your private property.
The thoroughness of the Copyright Notice in spelling out the minute details of the terms
of doing business with you demonstrates sincerity and “full disclosure” on your part
because the intention is to follow through exactly as stated in the Copyright Notice and
—
do what you say will do if someone decides he wants to use your property.

II. Creating the Copyright Notice.

A. Two Copyright Notices, one for a single man/woman and one for a family, have been
.
included here Whichever you choose will need to be adapted for your situation.

B. You are retyping1 the Copyright Notice for the purpose of having it published in a
newspaper. The newspaper can take your Copyright Notice in written form, but if so it
will have to be re-typed by someone at the newspaper, thus opening the door for errors
in the text. The best way to transmit the document to the newspaper is electronically via
email, but computer diskette will work just as well.

C. Beginning at the top, go through the sample Copyright Notice word by word, clearing
up the meaning of any terms you are not sure of, and plug in your particulars in place of
those of John Henry Doe’s. Placement of the copyright symbol, “©,” which appears
throughout, is important for the power of the Copyright Notice. Sometimes the symbol
is superscripted for aesthetic reasons, as in “ JOHN HENRY DOE®,” but the regular
version of the symbol will work just as well.

III. Peculiarities of the Copyright Notice.

A . Manner of dating the document. The date of the Copyright Notice is reflected in the
date of another document cited within the Copyright Notice called the “Hold-harmless
and Indemnity Agreement," and is spelled out common-law style, e.g. “The Fourth Day
of the Third Month in the Year of Our Lord One Thousand Nine Hundred Seventy-
three," the common-law designation for March 4, 1973 (done so for removing the
document from the statutory dating system, which is also an indication of grant of
jurisdiction, however slight). The numerical designation of the number of the Hold-
harmless and Indemnity Agreement also matches up with this date, e.g. “JHD-030473-
HHIA,” i.e. [ Redemptor’s INITIALS]-[MMDDYY]-[DOCUMENT INITIALS].
B. Selecting the date. There is no restriction on the document date, no matter when
published, but the nearer the 18th birthday the better. However, this is not always
feasible. Your parents were accountable for you until you turned 18 (14, actually, under
common law, but this will not be contested), and then you took over. Your first day of
full legal accountability in the eyes of the government was your 18th birthday. For
obvious logical reasons, the earlier you can claim the existence of the common-law
copyright of the TRADE NAME, the better. However, dating the Copyright Notice as of
the 18 birthday will not work for most people, as discussed below.

See compact disk accompanying this manual for Copyright Notice in electronic form, and save yourself the trouble
of retyping it .

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 For example, in the case of a family where the husband/father is copyrighting all the
TRADE NAMES of the family , the date of the document will need to be no earlier than
the day the youngest child was born, it must be this way if the document is to have
legality, because it is legally impossible for a child's name to be included in a document
dated before the child is born. For the same reason, in the case of a marriage but no
children, the document date would need to come after the wife adopted the husband’s
surname, i.e. after the wedding day. All events implied within the Copyright Notice must
come before the date stated as the date of the Hold-harmless and Indemnity
Agreement, which matches up with the Security Agreement of the same date.

There are also circumstances where it might serve for the husband/father to leave out a
child/children, and even the wife, from the Copyright Notice for the purpose of
establishing the copyright before the date of execution of a certain legal document, such
as a mortgage contract. In such instance , the copyright of the TRADE NAMES of the
other family members could be done in a separate document at a later date by the
—
husband/father at additional cost , of course , but the benefit of establishing the
copyright before the mortgage was executed could easily outweigh the additional costs
of publishing. This factor would also apply in the case of a single man/woman who
wanted to include certain events within the scope of the Copyright Notice; the date
chosen must come after any event that is implied/included in the Copyright Notice. The
sample Copyright Notice is dated after the marriage and birth of the daughter, but
before the execution date of the mortgage contract.
IV. Deciding on a Newspaper .

A . What type of newspaper . Large metropolitan areas have scores of newspapers, and
most have a “Legal Notices” section. When you call around for price quotes, tell the
newspaper agent that you would like to publish a notice once a week for four (4)
consecutive weeks in the ‘legal notices" section of their newspaper, and that you need
to know if they are a newspaper of “general circulation. " The prestige of the newspaper
that you choose has absolutely no bearing on the validity of the Copyright Notice so
find the lowest quote you can. As well, you are free to use any newspaper in America
—
for your filing; it does not matter in which county /state the Copyright Notice is published.

B . Costs . The more space required for publishing your Copyright Notice, the greater
the expense. For this reason you should have the Copyright Notice done in 6-point font,
the smallest print that the newspaper will allow, and in “Arial Narrow,” a readable,
slender font. The sample single-party Copyright Notice in this manual takes up
approximately 29 square inches in 6-point Arial Narrow; the family-of-three Copyright
Notice takes up about 33 square inches. A copyright notice for a husband and wife
only, and for a larger family (with more TRADE NAMES), will vary accordingly. Cite the
—
approximate square-inch figure for the Copyright Notice you want to use and tell the
—
newspaper “6-point Arial Narrow font” when requesting price quotes. This way you
should be able to check with many newspapers very quickly and find the best deal.
Prices can run as little as $100 and as much as $3,000 for the four publishing ’ s. Find
the least expensive newspaper.

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C. Payment. Most newspapers are happy to bill you after completion of the run, rather
than bill you up front, but this may not always be the case. If you will be billed, be sure
to set aside the funds ahead of time so you can pay timely (to keep your karma intact).

E. Instructions for the newspaper. When you select a newspaper, give them written
instructions on what you need, such as the information contained in the sample email
correspondence provided following these instructions. Let the newspaper know that
you will pay the extra charges, if there are any, for extra copies of the affidavit of
publishing (sworn statement that the Copyright Notice was published). Newspapers
generally provide one original affidavit upon completion of the run, but tell them that you
want three (3) original (not photocopies) affidavits of publishing.

V. The Affidavit of Publishing.

A. Public record. The Affidavit of Publishing provided by the newspaper is a profound

and powerful document in that it confirms your common-law claim re TRADE NAME and
true name on the public record, the modern equivalent of “Hear Ye! Hear Ye!” of
yesteryear.

B. County clerk/recorder. If possible, you should file at county level, and get a certified
copy of, the newspaper affidavit of publishing. This is another widely recognized form of
giving public notice and, based on the current de facto governmental set-up, has its own
advantages over simply publishing in the newspaper. However, many county clerk/
recorder offices are resistive about filing such affidavits. They are in business to make
money off the TRADE NAME and do not generally respond kindly when former slaves
start breaking away. For this reason it may be difficult to get your Copyright Notice filed,
but there are other techniques besides just a straight filing.

C. Filing at county level. If you encounter difficulty in getting your newspaper affidavit
of publishing of the Copyright Notice filed at the county, here are some techniques that
may assist you in obtaining a certified copy of the public notice filing:

1. File under "Miscellaneous”;

2. File the Copyright Notice as an attachment with a “Fictitious Business Name”
filing under the exact same TRADE NAME; and

3. If you own real estate, you may include the filing of the newspaper affidavit of
publishing along with your UCC Financing Statement, as well as in any UCC
Financing Statement Amendment thereafter.

D. Certified Copies. Using the “COPY CERTIFICATION BY DOCUMENT CUSTODIAN”

notary form, which is described in detail in the next section, “Vital General
Instructions for All UCC Filings,” you can make multiple certified copies of the
affidavit of publishing with the help of a notary public. If you can get your Copyright
Notice filed at county level, and can get a certified copy of that filing, you can use
the same notary form to make multiple copies of the county-certified copy for use as
—
needed and there will be uses for the affidavit of publishing of the Copyright
Notice.

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 Copyright Notice
Copyright Notice: All rights reserved re common-law copyright of trade-name/trade-mark, JOHN
HENRY DOE®—as well as any and ail derivatives and variations in the spelling of said trade-
name/trade-mark —Common Law Copyright © 1973 by John Henry Doe®. Said common-law trade-
name/trade-mark, JOHN HENRY DOE®, may neither be used, nor reproduced, neither in whole nor in
part, nor in any manner whatsoever, without the prior, express, written consent and acknowledgement
of John Henry Doe® as signified by the red-ink signature of John Henry Doe®, hereinafter "Secured
Party.” With the intent of being contractually bound , any juristic person, as well as the agent of
said juristic person, consents and agrees by this Copyright Notice that neither said juristic person, nor
the agent of said juristic person, shall display, nor otherwise use in any manner, the common-law
trade-name/trade-mark JOHN HENRY DOE®, nor the common-law copyright described herein, nor any
derivative of, nor any variation in the spelling of, JOHN HENRY DOE® without the prior, express, written
consent and acknowledgment of Secured Party, as signified by Secured Party’s signature in red ink.
Secured Party neither grants, nor implies, nor otherwise gives consent for any unauthorized use of
JOHN HENRY DOE®, and all such unauthorized use is strictly prohibited. Secured Party is not now,
nor has Secured Party ever been, an accommodation party, nor a surety, for the purported debtor, i.e.
"JOHN HENRY DOE," nor for any derivative of, nor for any variation in the spelling of, said name, nor
for any other juristic person, and is so-indemnified and held harmless by Debtor, i.e. “JOHN HENRY
DOE,” in Hold-harmless and Indemnity Agreement No. JHD-030473-HHIA dated the Fourth Day of the
Third Month in the Year of Our Lord One Thousand Nine Hundred Seventy-three against any and all
claims, legal actions, orders, warrants, judgments, demands, liabilities, losses, depositions,
summonses, lawsuits, costs, fines, liens, levies, penalties, damages, interests, and expenses
whatsoever, both absolute and contingent, as are due and as might become due, now existing and as
might hereafter arise, and as might be suffered by, imposed on, and incurred by Debtor for any and
every reason, purpose, and cause whatsoever. Self-executing Contract/Securitv Agreement in
Event of Unauthorized Use: By this Copyright Notice, both the juristic person and the agent of said
juristic person, hereinafter jointly and severally “User,” consent and agree that any use of JOHN
HENRY DOE® other than authorized use as set forth above constitutes unauthorized use,
counterfeiting, of Secured Party’s common-law copyrighted property, contractually binds User, renders
this Copyright Notice a Security Agreement wherein User is debtor and John Henry Doe® is Secured
Party, and signifies that User: (1) grants Secured Party a security interest in all of User’s assets, land,
and personal property, and all of User’s interest in assets, land, and personal property, in the sum
certain amount of $500,000.00 per each occurrence of use of the common-law-copyrighted trade-
name/trade-mark JOHN HENRY DOE®, as well as for each and every occurrence of use of any and all
derivatives of, and variations in the spelling of, JOHN HENRY DOE®, plus costs, plus triple damages;
(2) authenticates this Security Agreement wherein User is debtor and John Henry Doe® is Secured
Party, and wherein User pledges all of User’s assets, land, consumer goods, farm products, inventory,
equipment, money, investment property, commercial tort claims, letters of credit, Ietter-of-credit rights,
chattel paper, instruments, deposit accounts, accounts, documents, and general intangibles, and all
User's interest in all such foregoing property, now owned and hereafter acquired, now existing and
hereafter arising, and wherever located, as collateral for securing User’s contractual obligation in favor
of Secured Party for User’s unauthorized use of Secured Party’s common-law-copyrighted property; (3)
consents and agrees with Secured Party’s filing of a UCC Financing Statement in the UCC filing office,
as well as in any county recorder s office, wherein User is debtor and John Henry Doe® is Secured
Party; (4) consents and agrees that said UCC Financing Statement described above in paragraph “(3)"
is a continuing financing statement, and further consents and agrees with Secured Party’s filing of any
continuation statement necessary for maintaining Secured Party's perfected security interest in all of

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198
User’s property and interest in property, pledged as collateral in this Security Agreement and described
above in paragraph “(2)," until User’s contractual obligation theretofore incurred has been fully
satisfied; (5) consents and agrees with Secured Party’s filing of any UCC Financing Statement, as
described above in paragraphs "(3)” and “{4),” as well as the filing of any Security Agreement, as
described above in paragraph “(2),” in the UCC filing office, as well as in any county recorder’s office ;
(6) consents and agrees that any and all such filings described in paragraphs “(4)" and “(5)” above are
not, and may not be considered, bogus, and that User will not claim that any such filing is bogus; (7)
waives all defenses; and (8) appoints Secured Party as Authorized Representative for User, effective
upon User’s default re User’s contractual obligations in favor of Secured Party as set forth below under
"Payment Terms” and "Default Terms,” granting Secured Party full authorization and power for
engaging in any and all actions on behalf of User including, but not limited by, authentication of a
record on behalf of User, as Secured Party, in Secured Party’s sole discretion, deems appropriate, and
User further consents and agrees that this appointment of Secured Party as Authorized Representative
for User, effective upon User's default, is irrevocable and coupled with a security interest. User further
consents and agrees with all of the following additional terms of Self-executing
Contract/Securitv Agreement in Event of Unauthorized Use: Payment Terms : In accordance with
fees for unauthorized use of JOHN HENRY DOE® as set forth above, User hereby consents and
agrees that User shall pay Secured Party all unauthorized-use fees in full within ten (10) days of the
date User is sent Secured Party’s invoice, hereinafter “Invoice," itemizing said fees. Default Terms: In
event of non-payment in full of all unauthorized-use fees by User within ten (10) days of date Invoice is
sent, User shall be deemed in default and: (a) all of User's property and property pledged as collateral
by User, as set forth in above in paragraph “(2),” immediately becomes, i.e. is, property of Secured
Party; (b) Secured Party is appointed User’s Authorized Representative as set forth above in
paragraph “(8)”; and (c) User consents and agrees that Secured Party may take possession of, as well
as otherwise dispose of in any manner that Secured Party, in Secured Party ’s sole discretion, deems
appropriate, including , but not limited by, sale at auction, at any time following User’s default, and
without further notice, any and all of User’s property and interest, described above in paragraph “(2),"
formerly pledged as collateral by User, now property of Secured Party, in respect of this “Self-executing
Contract/Security Agreement in Event of Unauthorized Use," that Secured Party, again in Secured
Party ’s sole discretion, deems appropriate. Terms for Curing Default: Upon event of default, as set
forth above under “Default Terms,” irrespective of any and all of User’s former property and interest in
property , described above in paragraph “(2),’’ in the possession of, as well as disposed of by, Secured
Party, as authorized above under “Default Terms,” User may cure User’s default only re the remainder
of User’s said former property and interest property, formerly pledged as collateral that is neither in the
possession of, nor otherwise disposed of by, Secured Party within twenty (20) days of date of User’s
default only by payment in full. Terms of Strict Foreclosure: User’s non-payment in full of all
unauthorized-use fees itemized in Invoice within said twenty- (20) day period for curing default as set
forth above under “Terms for Curing Default’’ authorizes Secured Party’s immediate non- judicial strict
foreclosure on any and all remaining former property and interest in property, formerly pledged as
collateral by User, now property of Secured Party , which is not in the possession of , nor otherwise
disposed of by, Secured Party upon expiration of said twenty- (20) day default-curing period.
Ownership subject to common-law copyright and UCC Financing Statement and Security Agreement
filed with the UCC filing office. Record Owner: John Henry Doe®, Autograph Common Law Copyright
© 1973. Unauthorized use of “John Henry Doe” incurs same unauthorized-use fees as those
associated with JOHN HENRY DOE®, as set forth above in paragraph "(1)” under “Self-executing
Contract/Security Agreement in Event of Unauthorized Use.”

Copyright Notice - Single Page 2 of 2

199
 Copyright Notice
Copyright Notice: All rights reserved re common-law copyright of trade-names /trade-marks JOHN HENRY
DOE®, SARAH JANE DOE®, and ANNA MARIE DOE®—as well as any and all derivatives and variations in
the spelling of any of said trade-names/trade-marks, not excluding “John Henry Doe,” “Sarah Jane Doe,”
and "Anna Marie Doe," respectively—Common Law Copyright © 1973, 1985, and 1990, respectively, by
John Henry Doe®, Said common-law trade-names/trade-marks, i.e. JOHN HENRY DOE®, SARAH JANE
DOE®, and ANNA MARIE DOE®, may neither be used , nor reproduced, neither in whole nor in part, nor in
any manner whatsoever, without the prior, express , written consent and acknowledgement of John Henry
Doe® as signified by the red-ink signature of John Henry Doe®, hereinafter “Secured Party." With the
intent of being contractually bound any juristic person, as well as the agent of said juristic person,
,

consents and agrees by this Copyright Notice that neither said juristic person, nor the agent of said juristic
person, shall display, nor otherwise use in any manner, any of the common-law trade-names/trade-marks
JOHN HENRY DOE®, SARAH JANE DOE®, and ANNA MARIE DOE®, nor the common-law copyright
described herein, nor any derivative of, nor any variation in the spelling of, JOHN HENRY DOE®, SARAH
JANE DOE®, and ANNA MARIE DOE®, without the prior, express, written consent and acknowledgment of
Secured Party, as signified by Secured Party’s signature in red ink. Secured Party neither grants, nor
implies, nor otherwise gives consent for any unauthorized use of any of JOHN HENRY DOE®, SARAH
JANE DOE®, and ANNA MARIE DOE®, and all such unauthorized use is strictly prohibited. Secured Party
is not now, nor has Secured Party ever been, an accommodation party, nor a surety, for any of the
purported debtors, i.e. “JOHN HENRY DOE,” “SARAH JANE DOE," and “ANNA MARIE DOE," nor for any
derivative of, nor for any variation in the spelling of, any of said names, nor for any other juristic person, and
is so-indemnified and held harmless by JOHN HENRY DOE®, Debtor in Hold-harmless and Indemnity
Agreement No. JHD-050690-HHIA dated the Sixth Day Day of the Fifth Month in the Year of Our Lord One
Thousand Nine Hundred Ninety against any and all claims, legal actions, orders, warrants, judgments,
demands , liabilities, losses, depositions, summonses, lawsuits, costs, fines, liens, levies, penalties,
damages, interests, and expenses whatsoever, both absolute and contingent, as are due and as might
become due, now existing and as might hereafter arise, and as might be suffered by, imposed on, and
incurred by Debtor JOHN HENRY DOE® for any and every reason, purpose, and cause whatsoever. Self-
executing Contract/ Securitv Agreement in Event of Unauthorized Use: By this Copyright Notice, both
the juristic person and the agent of said juristic person, hereinafter jointly and severally “User,” consent and
agree that any use of any of JOHN HENRY DOE®, SARAH JANE DOE®, and ANNA MARIE DOE®, other
than authorized use as set forth above constitutes unauthorized use , counterfeiting, of Secured Party 's
common-law copyrighted property, contractually binds User, renders this Copyright Notice a Security
Agreement wherein User is debtor and John Henry Doe is Secured Party, and signifies that User: (1) grants
Secured Party a security interest in all of User 's assets, land, and personal property, and all of User’s
interest in assets, land, and personal property , in the sum certain amount of $500,000.00 per each
occurrence of use of any of the common-law-copyrighted trade-names/trade-marks JOHN HENRY DOE®,
SARAH JANE DOE®, and ANNA MARIE DOE®, as well as for each and every occurrence of use of any
and all derivatives of, and variations in the spelling of, respectively, JOHN HENRY DOE®, SARAH JANE
DOE®, and ANNA MARIE DOE®, not excluding “John Henry Doe,” “Sarah Jane Doe,” and "Anna Marie
Doe,” respectively, plus costs, plus triple damages; (2) authenticates this Security Agreement wherein User
is debtor and John Henry Doe® is Secured Party, and wherein User pledges all of User's property, i.e. all
assets, land, consumer goods, farm products, inventory, equipment, money, investment property,
-
commercial tort claims, letters of credit, Jetter-of credit rights, chattel paper, instruments, deposit accounts,
accounts, documents, and general intangibles, and all User’s interest in all such foregoing property, now
owned and hereafter acquired, now existing and hereafter arising , and wherever located, as collateral for
securing User’s contractual obligation in favor of Secured Party for User's unauthorized use of Secured
Party’s common-law copyrighted property; (3) consents and agrees with Secured Party's filing of a UCC
Financing Statement in the UCC filing office, as well as in any county recorder's office, wherein User is

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debtor and John Henry Doe® is Secured Party; (4) consents and agrees that said UCC Financing
Statement described above in paragraph ''(3)” is a continuing financing statement, and further consents and
agrees with Secured Party 's filing of any continuation statement necessary for maintaining Secured Party ’s
perfected security interest in ail of User's property and interest property, pledged as collateral in this
Security Agreement and described above in paragraph "(2)," until User’s contractual obligation theretofore
incurred has been fully satisfied; (5) consents and agrees with Secured Party’s filing of any UCC Financing
Statement, as described above in paragraphs “(3)” and "(4)," as well as the filing of any Security
Agreement, as described above in paragraph “(2)," in the UCC filing office, as well as in any county
recorder's office; (6) consents and agrees that any and all such filings described in paragraphs “(4)" and
“(5)" above are not, and may not be considered, bogus, and that User will not claim that any such filing is
bogus; (7) waives all defenses; and (8) appoints Secured Party as Authorized Representative for User,
effective upon User’s default re User’s contractual obligations in favor of Secured Party as set forth below
under “Payment Terms" and "Default Terms," granting Secured Party full authorization and power for
engaging in any and all actions on behalf of User including, but not limited by, authentication of a record on
behalf of User, as Secured Party, in Secured Party 's sole discretion, deems appropriate, and User further
consents and agrees that this appointment of Secured Party as Authorized Representative for User,
effective upon User’s default, is irrevocable and coupled with a security interest. User further consents
and agrees with all of the following additional terms of Self- executing Contract/Securitv Agreement
in Event of Unauthorized Use: Payment Terms: In accordance with fees for unauthorized use of any of
JOHN HENRY DOE®, SARAH JANE DOE®, and ANNA MARIE DOE® as set forth above, User hereby
consents and agrees that User shall pay Secured Party ail unauthorized-use fees in full within ten (10) days
of the date User is sent Secured Party’s invoice, hereinafter "Invoice,” itemizing said fees. Default Terms:
In event of non-payment in full of all unauthorized-use fees by User within ten (10) days of date Invoice is
sent, User shall be deemed in default and: (a) all of User ’ s property and interest in property pledged as
collateral by User, as described above in paragraph "(2)," immediately becomes, i.e. is, property of Secured
Party; (b) Secured Party is appointed User ’ s Authorized Representative as set forth above in paragraph
“(8)"; and (c) User consents and agrees that Secured Party may take possession of, as well as otherwise
dispose of in any manner that Secured Party, in Secured Party’s sole discretion, deems appropriate,
including, but not limited by, sale at auction, at any time following User’s default, and without further notice,
any and all of User’s former property and interest in property , as described above in paragraph "(2),"
formerly pledged as collateral by User, now property of Secured Party, in respect of this “Self-executing
Contract/Security Agreement in Event of Unauthorized Use,” that Secured Party, again in Secured Party’s
sole discretion, deems appropriate . Terms for Curing Default: Upon event of default, as set forth above
under "Default Terms," irrespective of any and all of User’s former property and interest in property , in the
possession of, as well as disposed of by, Secured Party, as authorized above under “Default Terms," User
may cure User’s default re only the remainder of User’s former property and interest in property formerly
pledged as collateral that is neither in the possession of, nor otherwise disposed of by, Secured Party
within twenty (20) days of date of User's default only by payment in full. Terms of Strict Foreclosure:
User’s non-payment in full of all unauthorized-use fees itemized in Invoice within said twenty- (20) day
period for curing default as set forth above under "Terms for Curing Default" authorizes Secured Party’s
immediate non-judicial strict foreclosure on any and all remaining property and interest in property formerly
pledged as collateral by User, now property of Secured Party, which is not in the possession of , nor
otherwise disposed of by, Secured Party upon expiration of said twenty- (20) day default-curing period.
Ownership subject to common-law copyright and UCC Financing Statement and Security Agreement filed
with the UCC filing office. Record Owner: John Henry Doe®, Autograph Common Law Copyright © 1973.
Unauthorized use of any of “John Henry Doe , " “ Sarah Jane Doe," and "Anna Marie Doe” incurs same
unauthorized-use fees as those associated with JOHN HENRY DOE®, SARAH JANE DOE®, and ANNA
MARIE DOE®, respectively, as set forth above in paragraph "(1)” under "Self-executing Contract/Security
Agreement in Event of Unauthorized Use,”

Copyright Notice - Family Page 2 of 2

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 (Text of Sample Email Letter for Newspaper)

March 1, 2002

Dear Friend :

Please publish the attached Copyright Notice in the "Legal Notices" section of your
newspaper once a week for four (4) consecutive weeks.

Please use SIX - (6) POINT ARIAL NARROW FONT in all four publishing's (for the sake
of economy of space). The attached Copyright Notice is in 6-point Arial Narrow font for
your convenience.

Upon the first publishing, please send me a copy of the newspaper at my billing
address:

John Henry Doe

Post Office Box 9999
Los Angeles, CA 90010

Upon completion of all four (4) publishing's, please send me a total of three (3)
ORIGINAL affidavits of publishing re my filing.

If there are any extra costs for any of the above-requested services/products, beyond
the publishing costs, please include this cost on the invoice/bill and it will be paid.

Thank you in advance for your conscientious service.

Sincerely,

John Henry Doe

PS. Please remember that l need three (3) ORIGINAL affidavits of publishing upon
completion of the four runs. I will pay any extra cost associated therewith.

Page 1 of 1 Cover Letter for Newspaper

202
 Section 6

Vital General Instructions for

All UCC Filings
 Vital General Instructions for
All UCC Filings
I. Introduction.

A. Source book for UCC filings. It is recommended that you obtain the book entitled
UNIFORM COMMERCIAL CODE AND RELATED PROCEDURES GUIDE, retailing for
$ 39.95 and published by Registre, Box 218, Anoka MN 55303, (763) 421-1713.
This book shows how to obtain forms from every state, and how to file in every state.
It is very useful . Registre accepts pre-payment, credit cards over the phone, and 30-
day billing in the name of a business. They ship UPS ground, but also offer UPS
Next Day and Second Day Air for an additional fee. They can ship FedEx and
Airborne Express using your account (and also by using your credit card for shipping
with these two carriers, as well). They answer their phone live and are very helpful.

B. Obtaining forms. Forms for all UCC filings may generally be obtained:
1. Over the Internet;

.
2 From Registre (described above);

3. At most stationery stores; and

4. Over-the-counter from the UCC Division/Section of the Office of the Secretary of

State.

C . Filling modes. Though you should always verify first , most states accept filings by:

1. Personal appearance at the UCC filing office;

2. Fax;

3. Electronically;

4. Mail/courier; and

5. Local document-filing-service organizations.

D. Transmittinq-utilitv filings. Item 18 on the Addendum Page of the National Form

UCC Financing Statement (the recommended form for all initial filings) has a box
marked “Transmitting Utility.” Many times this is the only reason that the Addendum
Page is used. Your TRADE NAME fits the UCC definition of a transmitting utility, but
it is important that you why this is so. Look up any necessary related terms to
achieve clarification on this. Transmitting Utility status is beneficial in that the filing is
permanent and need not be renewed every five years—as with all other types of
debtors (more evidence that this is the right path).

Page 1 of 4 Vital General Instructions for All UCC Filings

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E. Filing fees. You will need to check with your state’s UCC filing office for current filing
fees for the particular type of filing you are doing. A list of contact telephone
numbers, email addresses, and web sites for ail American and Canadian UCC filing
offices is included in the Appendix under the title, “UCC Filing Office Information. '
1

F, There is no requirement that the Social Security Account Number, "SSAN," of the
Debtor be provided in Box 1d of the UCC Financing Statement form. However,
since the Social Security Account Number officially differentiates you from the
TRADE- NAME debtor , it is recommended that the SSAN always be included when
referencing the TRADE NAME.
II . Obtaining Legal Evidence of Your Standing as “Secured Party”.

A. Relief. The UCC offers you the opportunity to improve the quality of your life by
getting proofed up against those who would gleefully steal everything you own.

If you wish to guarantee yourself the best possible chance of protecting

yourself, your family, and your property from predatory attorneys, banks,
government officials, judges , and taxmen you will need to secure legal
evidence of your new standing—and a UCC-filing-office certified copy of all
pertinent UCC filings constitutes such legal evidence.

B . Documenting your position. Plain photocopies and fax copies of a filing do not
qualify as evidence. Therefore, it is imperative that you obtain bona fide legal
evidence of all UCC filings, because it is a virtual 100% certainty that you will one
day need to provide such documentation.

1. Certified Copy. This is the best way to document your new standing, and it is
recommended that you secure a certified copy of a filing as soon as possible.
Include the appropriate fees with every filing, along with instructions for
transmittal of the certified copy (this could include overnight courier
arrangements, as well). If the time comes when you need to prove standing, you
will not want to wait a single day for certified copies to arrive from the UCC filing
office. A certified copy of a filing is admissible as evidence in the courts of the
state of issue and can be made into valid evidence for all other states with the
help of a notary public (described below in paragraph C, “Copy Certification”).

2. Certificate of Information. A Certificate of Information is a signed, computer-print-

out certification issued by a UCC Filing Officer of a particular state containing the
results of (a) name searches, and (b) records searches for a particular filing. The
Search Request is valuable because it shows (usually) no other filings against
the TRADE NAME. However, UCC filing offices do not make the distinction
between the all-caps TRADE NAME of the Debtor and the initial-letters-
capitalized-only true name of the Secured Party; all search results show the
Secured Party’s name in capital letters. The real advantage of a Certificate of
Information is that it proves that there is no other Secured Party with a superior
claim re the TRADE-NAME Debtor. Actual proof of your supreme claim can be
shown with a certified copy of the Security Agreement that is referenced in
Line/Box 4 (Collateral Description) of the UCC Financing Statement.

Vital General Instructions for All UCC Filings Page 2 of 4

205
 C. Copy Certification. A notary public is an “officer of the state” and any document
bearing a notary’s seal and signature must be admitted as evidence (testimony) in
the courts of that and any other state (a judge must take judicial notice of a notarial
acknowledgment). The National Notary Association form used to make a legally
valid photocopy of a document in all but one state (Florida) is called "COPY
CERTIFICATION BY DOCUMENT CUSTODIAN. " However, California and
Washington State have their own form by the same name, Form No. 5923; all other
states except Florida use the same form, Form No. 5177. Florida’s form is entitled
“FLORIDA CERTIFICATION OF PHOTOCOPY,’’ Form No. 5187 . A blank original of
the proper form for your state has been included with this manual. These forms are
not particularly common with notaries public, so you may want to make multiple
(color) photocopies of the blank form provided before using it to ensure you have a
form on hand when needed, even if the notary does not .

A notary public cannot personally certify a photocopy of publicly recordable

instruments and public records, but can take a sworn statement from someone else
who wants to certify a copy of such a document in the role of “Document Custodian”
(anyone can serve as Document Custodian). The Document Custodian makes a
sworn statement that the copy is a “true, correct, and complete photocopy" of the
original, and is the equivalent of sworn testimony . The notarized photocopy is then
admissible as evidence in the courts of any state. This form is especially handy
when you need multiple certified copies of an original certified copy that you
obtained from the UCC filing office: make photocopies of the original certified copy
and use a "COPY CERTIFICATION BY DOCUMENT CUSTODIAN” form to certify
each photocopy, retaining the original certified copy for future use in the same way
again, if needed.

The lower portion of each form is marked " OPTIONAL.” Use this section of the form
to identify as precisely as possible the attached photocopy so as to “marry” the
notary form with the document. Conversely, it is wise to omit any unnecessary
information that could compromise your privacy /security (such as providing a
thumbprint and giving the location where the original document is kept), but these
are personal choices.

III. New Developments.

A. Signatures. For distinguishing between the TRADE-NAME Debtor and the Secured
Party , it is recommended that Secured Party always sign in red ink (symbolic of
blood). It is also recommended that printed signatures of the straw man’ s TRADE
NAME be done in blue ink (black is OK , but not as easily recognized as an original,
ink signature. Your authors also recommend red-ink signatures exclusively on all
legal documents where the flesh-and-blood man/woman is signing.

B. Maintaining privacy. For privacy reasons (discussed in the first essay in this manual,
“Maintaining Commercial Integrity”), it is not prudent to include any other documents
and information along with the filing of your UCC Financing Statement (and
subsequent UCC Financing Statement Amendments). Voluntarily placing such data
in the public record relinquishes all privacy the property connected therewith. The
financing statement form , properly completed, is all that is required.

Page 3 of 4 Vital General Instructions for All UCC Filings

206
IV. Creating Your Paperwork and Assembling Your Filings.

A. Work in a relaxed atmosphere where you will not be disturbed, preferably with a
large surface area where documents can be spread out and properly organized.
Work on your filing when you can set everything else aside and concentrate solely
on the task at hand. Be thorough and unhurried, making sure that all details are
covered before sending. Any error in any filing can be corrected with a UCC
Financing Statement Amendment, but it is just as easy to get it right the first time.

B. As you study the Instructions for a particular filing, it is good practice to flip back and
forth between instruction page and the sample filing provided so as not to "drown” in
the words of the explanation. I.e. if you are trying to learn about sailboats, don't just
read about them: go and look at an actual sailboat from time to time.

Bon voyage!

Vital General Instructions for All UCC Filings Page 4 of 4

207
 Section 7

Information Request
Instructions
 Information Request Instructions
I. Introduction .

A . Information Request . The “Information Request” is a UCC name-search utility that is

used for obtaining from the Secretary of State’ s office a record that documents all
filings (by filing number) against a particular debtor by any and all creditors, and also
for retrieving certified copies of certain filings . For our purposes, the latter
constitutes the more typical use .

It is not an accident that the legal definition of “information" is:

“An accusation exhibited against a person for a criminal offense, without an
indictment. An accusation in the nature of an indictment, from which it differs only
in being presented by a competent public officer on his oath of office, instead of a
grand jury on their oath .... Black’s Law Dictionary, First Edition , 1891.

The Legal Masters of the World look upon all outsiders as debtors , i.e. criminals and
slaves, and this choice of terms for named debtors is apropos of this philosophy.

B . The form. To file an Information Request you will need form by the same name
(former UCC-11R) . As described in Section 6 , “Vital General Instructions for All
UCC Filings," forms may generally be obtained via the Internet, from Registre, at
most stationery stores, and over-the-counter and (generally) by fax from your state’ s
UCC Section of the Office of the Secretary of State.

II. Completing the Information Request.

A , Familiarization. Please look over the form and read the official instructions for the
Information Request, found immediately following these instructions , and then return
to this point .

B. Filling out the Information Request form :

1. Filing offices prefer 12 -point Arial/Helvetica font , so use this font size and type
whenever possible . Anything smaller than 10-point font will be rejected (and
sometimes even 10-point ) .

2. Box A is optional. It is recommended that you leave this blank .

3. Box B contains the desired return mailing location of the requesting party . Enter
any name and any mailing location you desire for return of the requested data .

4. In Box 1b , fill in the last , first, and middle name of your straw man where
indicated , in CAPITAL LETTERS .

5. In Box 2 a , check “CERTIFIED” and “ALL” if you are seeking a certified copy of a
list of all financing statements filed against the named debtor (your TRADE

Page 1 of 2 Information Request Instructions

210
 NAME). You will need to determine the cost of this service at the UCC filing
office where the request is to be submitted. Phone number, email address, and
web site for all American and Canadian filing offices can be found in Appendix
under “UCC Filing Offices” and “UCC Filing Offices in Canada."

6. Box 2b gives the choice of obtaining a certified copy of all filings and all unlapsed
(current) filings. The need for using Box 2b should never arise, i.e. for the
Redemptofs needs, because it is recommended that a certified copy of each
filing be obtained as each filing is submitted.

7. Box 2c is for obtaining a certified copy of a particular filing already filed in the
filing office, and this will be the primary use of the Information Request (if certified
copies of a filing cannot be obtained otherwise). Rather than just a certified
record listing all financing statements filed against the TRADE NAME, Box 2c
allows you to obtain a certified copy of a specific filing, which is a very useful
document when dealing with credit-lenders demanding payment. In some
instances this will be the only way that a certified copy of a filing can be secured:
UCC filing offices have had a general change in policy and have cut back in
offering a certified copy at the time of filing (this service is discretionary at most
filing offices, so if you treat them right and make a friend of someone, you may
—
get what you want especially if you do your filing in person).

If the UCC filing office does not offer a certified copy (of UCC Financing
Statements and UCC Financing Statement Amendments) at the time of filing, you
will need to complete the filing of the financing statement/amendment first, obtain
the filing number of the filing, and then send in an Information Request
requesting a certified copy of that particular filing by filling in the data in box 2c.
“Type of Record and Additional Identifying Information" will always be either of
the “UCC Financing Statement” (the former the UCC-1) and the “UCC Financing
Statement Amendment” (the former UCC-3).

8. Box 3 will not be needed.

9. Box 4 contains your specific instructions for return of the information requested if
other than First-Class mail. You have many options, including pick-up at the
counter, courier service (using your account with the courier), efc. Please read
the instructions in the lower portion of the Box 4, make your choices, and fill in
your instructions if you wish to receive the requested information faster than via
First-Class mail.

Information Request Instructions Page 2 of 2

211
 Instructions for National Information Request (Form UCC11)
Please type or laser-print this form Be sure it is completely legible. Read all Instructions. Follow Instructions complete y .
Fill in form very carefully; mistakes may have important legal consequences . Ifyou have questions , consult yourattorney. F ling officecannot give legal advice.
Do not insert anything in the open space in the upper portion of this form; it is reserved for filing office use .
When properly completed, send form parts 1 and 2 (labeled Filing Office Copy (1) and (2)) , with required fee , to filing office Always detach Requestor Copy
Filing office may offer additional information options Contact filing officeor use form specially designed by filing office to obtain additional Information options,
A . To assist filing officers that might wish to communicate with requestor , requestor may provide information in item A , This tern is optional,
B . Enter name and address of requestor in item B This item is NOT optional .
,

1. Debtor namr : Enter onlvone Debtor name in item 1. an organization's name (1 a) oran individual ’s name (1b). Enter Dehtor’s exact full legal name. Don't
abbreviate.

1 a. Organi-ZatioflDebtor. ‘ Organization" means an entity having a legal identity separate from its owner. A partnership is an organization; a sole proprietorship
is not an organization, even if It does business under a trade name. If Debtor is a partnership, enter exact full legal name of partnership; you need not enter
names of partners as additional Debtors. If Debtor is a registered organization (e.g. r corporation, limited partnership, limited liability company),it is ad visable
to examine Debtor’s current filed charter documents to determine Debtor ' s correct name , organization type, and jurisdiction of organization .
1b. Individual Debtor. ‘ Individual meansa natural person; this includes a sole proprietorship, whether or not operating undera trade name. Don't use prefixes
1

(Mr., Mrs., Ms.) . Use suffix box only for titles of lineage (Jr., Sr., Ilf ) and notforothersuffixesortitles (e.g., M.D.). Use married woman's personal name
(Mary Smith, not Mrs. John Smith). Enter individual Debtor’ s family name (surname) in Last Name box, first g iven name i n First Name box , and alladditional
given names in Middle Name box.

.
Far both organizatiqn and individual Debfqfs: Don’t use Debtor's trade name , DBA , AKA, FKA , Division name, etc in place of orcombined with Debtor ' s
legal name; you may add such other names as additional Debtors ifyou wish (but this is neither required nor recommended) .
2. information options relating to UCC filings and other notices on file inthefilfngafficethatincludeasa Debtor name the name identified in item 1. Please
note that it is permissible to select an option in 2a and also check an option in 2b. Checkthe "CERTIFIED ( Optional) ' box appropriately in items 2a , 2br
1

or 2c.

2a. Check appropriate box in item 2 a ; the box 'ALL' ifyou are requesting a search of all active records, including lapsed filings, orthe box ’UNLAPSED" if
1

you requesting a search of only active records that have not lapsed .

2b. Check appropriate box in item 2b to request copies of records appearing on the search response; the box ’’ALL'' ifyou are requesting copies of all active
records, including lapsed fil ings, orthe box " UN LAPS ED” if you are requesting copies of cnly active records that have not lapsed.

2 c. Complete item 2c ifyou are ordering copies of specif c records by record number.

3. Some filing offices offer service options in addition to those offered in item 2. These may be shown on the face of this form or may otherwise be publicized
.
by the particular filing office. Caution: if any of these additionalservice options introduces a search criterion ( e.g , limiting search to named Debtor at an
address In a specified city and state) that narrows the scope of the search, this may result in an incomplete search (that faris to list all filings against the
named Debtor) and you may fail to learn information that might be of value to you.

4. Delivery Instructions: Unless otherwise instructed, filing office will mail information to the name and address in item 6. If information will be picked up
.
from the filing office, checkthe ' Pick U p' - box C ontact filing office concerning availability of other delivery options. For other than mail or pick up, check
the " Other ’ boxand specify the otherdelivery method thatyou are requesting. If requestingdelivery service, provide delivery service's name and requestors
1

account numberto bill for delivery charge. Filing office will not deliver by delivery service unless prepaid waybill or account number for billing is provided.

212
INFORMATION REQUEST
FOLLOW INSTRUCTIONS (front and back) CAREFULLY
A. NAME & PHONE OF CONTACT [optional! FILING OFFICE ACCT U

B. RETURN TO: (Name and Address)

r In care of: n
Post Office Box 9999
Los Angeles 90010
California
John Henry Doe
L J
THE ABOVE SPACE IS FOR FILtNG OFFICE USE ONLY

.
18 ORGANIZATION'S NAME
-
1. DEBTOR NAME lo be searched insert only one debtor name (1 a or 1b} - do not abbreviate or combine names

OR
1b. INDIVIDUAL' S LAST NAME FIRST NAME MIDDLE NAME SUFFIX
DOE JOHN HENRY
2 . INFORMATION OPTIONS relating to UCC filings and other notices on file in the fifing office that include as a Debtor name the name identified In item 1:
2a, SEARCH RESPONSE [] CERTIFIED (Optional)
Select ana of the following two options: Q ALL (Check this box to request a response that ts complete, including filings that have lapsed ) . Q UNLAPSED
.
2b COPY REQUEST Q CERTIFIED (Optional)
Select one of the following two options : ALL UNLAPSED
2c. SPECIFIED COPIES ONLY CERTIFIED (Optional)

Record Number Date Record Filed ( if required) Type of Record and Additional Identifying information (if required)
2002-030- 0123 January 3 Qr 2002 UCC Financing Statement

.
3 ADDITIONAL SERVICES:

4. DELIVERY INSTRUCTIONS (request wi-l be completed and mailed to the address 6howi in item B unless otherwise instructed here);
4a . Q Pick Up
4 b. g other Please return Information Request in enclosed, self-addressed, pre-paid FedEx envelope.
Specify desired method hare (if available from This office}; provide delivery Information (e. g. r delivery service's name, addressee's account # with delivery service, addressee's phone #, etc.)

FILING OFFICE COPY (1) — NATIONAL INFORMATION REQUEST (FORM UCC11) (REV . 05/09/01)
213
:
 Section 8

UCC Financing Statement

Instructions
 UCC Financing Statement
Instructions
! Preliminary Filing Considerations for UCC Financing Statement.

A . Certified copy of all filings. You will need to obtain a certified copy of ail your UCC
filings , both at state level and county level, if you expect to be able to prove your
position in the event you are attacked in the future. Availability of a certified copy at
the time of filing has generally been diminished across the country , but we know
from personal experience that it is still possible. If a filing office neither offers a
certified copy at time of filing, nor the procedure to order a certified copy at time of
filing, you will need to utilize the process described in Section 7, Information
Request, described below in paragraph B.
B. Obtaining certified copy of filing via Information Request. In this method, the key is
obtaining the original filing number from the filing office as soon as possible:

1. By regularly going online and checking the UCC debtor filings in your state’s
UCC Section of the Secretary of State's web site ;

2. By calling in and requesting the original filing number from the filing officer by
providing the debtor ' s complete name ; and
3 . By waiting for the Acknowledgment Copy of the filing to arrive in the mail. Once
received, the filing office will record and index (file) the filing and then microfilm
—
it and can take as much as a month. This process can also be expedited by
enclosing a self- addressed, pre-paid, overnight envelope for return of the
Acknowledgment Copy . In this case , actually establishing contact (and making
friends) with filing office personnel can greatly assist you.

Once you know the original filing number, you can order a certified copy of that
particular filing using an Information Request and the procedure set forth in Section
7 . The copy you receive will likely be a photograph of the microfilm of your filing,
with a grayish, filmy appearance—nowhere near as aesthetic and readable as a
regular photocopy . For this reason alone it is advisable to do your best to obtain a
certified copy associated with the time of filing, discussed below in paragraph C.

C . Certified copy based on the original filing. If the filing office offers a certified copy in
connection with the actual filing, you can file in person or by mail/courier.

1. In person. If you have a time crunch and need the certified copy immediately, it
is best to visit the UCC filing office in person, taking along an extra copy of the
filing. It is easier to make friends this way , too. Sometimes the copy you bring
will be certified, and other times the filing officer will make a copy of the filed
original and then certify it. If you cannot get your certified copy the same day,
you will probably be able to get it the following morning . Their procedure is not
predictable, but this is the fastest way to obtain a certified copy of your filing.
Page 1 of 12 UCC Financing Statement Instructions
216
 2. Via mail/courier. Going online and checking the web site of a particular UCC
filing office (see “UCC Filing Offices” and “UCC Filing Offices in Canada" in
Appendix for phone numbers, email addresses, and web site URL’s) is many
times sufficient to verify that a certified copy of a filing can be ordered and paid
for at the time of filing , but you can also call in and get other answers generally
not available on the web. You can also make friends over the phone .

Send in the appropriate fee for a certified copy and, if instructed, a photocopy of
your filing . Sometimes the certified copy is sent as soon as a couple of days
—
later , sometimes it takes as much as four (4) weeks depending on the office
policy for providing certified copies and the backlog of microfilming. For this
reason you may also want to enclose a self-addressed, pre-paid, overnight
envelope for the filing officer so he/she gets the message that this is important
and does his/her best to expedite the process. Otherwise, your filing will be
returned by First-Class mail and will not stand out from the other hundreds of
filings that the filing officer handles every day .

D. Acceptance/refusal of filings. There seems to be a continuous metamorphosis

among UCC filing offices regarding the filing of UCC Financing Statements of
Redemptors: some states have no problem with accepting and filing the forms, and
then a filing officer will start kicking them back. This has played out as a fairly up-
and-down situation across the country , with a number of offices going back and forth
on the issue, but most filing without incident .

One thing that can assist you is the new cover sheet for alt filings, which lets the
filing office personnel know that you are a knowledgeable filer. A sample form
follows in this Section just before the first sample UCC Financing Statement, and a
blank form can be found in Part IV, Blank Forms & Form Letters. The new cover
sheet points out for the filing officer that you are aware of the only legitimate reasons
for refusal of a filing. Filing officers are not free to reject filings at their whim , and are
restricted by the limitations imposed by UCC 9-520 , which states:

“(a) Mandatory refusal to accept record. A filing office shall refuse to

-
accept a record for filing for a reason set forth in Section 9 516(b) and may refuse to
- .
accept a record for filing only for a reason set forth in Section 9 516(b)
“(b) Communication concerning refusal. If a filing office refuses to accept
a record for filing, it shall communicate to the person that presented the record the
fact of and reason for the refusal and the date and time the record would have been
filed had the filing office accepted it , The communication must be made at the time
and in the manner prescribed by filing-office rule, but . . . in no event no more than two
business days after the filing office receives the record.
“(c) When filed financing statement effective. A filed financing statement
satisfying Section 9-502(a) and (b) is effective, even if the filing office is required to
refuse to accept it for filing under subsection (a). However, Section 9-338 applies to
a filed financing statement providing information described in Section 9-516(b)(5 )
which is incorrect at the time the financing statement is filed.
“(d ) Separate application to multiple debtors. If a record communicated
to a filing office provides information that relates to more than one debtor, this part
applies as to each debtor separately.” (Underline emphasis added)

UCC Financing Statement Instructions Page 2 of 12

217
 Sections “(a)” and “(b) " of UCC 9-520 concern our needs more than do Sections “(c)”
and “(d) . " [Note: Section 9-502(a) and (b), referenced in 9-520(c) above, concerns
mortgages as a financing statement , and as-extracted timber, respectively ; Section
9-338 concerns agricultural liens.] Obviously, Section 9-516(b) is the most important
section regarding refusals to file. There are seven (7) valid categories of reasons in
Section 9-516(b) for refusal of a filing, with numerous sub-categories within the main
seven. You need not know everything about them for purposes of filing, but the
more you know about the process, the smoother things will go for you generally.
For this reason, you need to obtain a copy of your state’s UCC, called the “ [ Name of
your state] Commercial Code ," as soon as possible—not for the sake of learning the
whole thing, but for having it handy as a reference guide for acute issues as they
may arise. A good source for a copy of your state’s UCC is West Group , at (800)
344-5009—and they are only too happy to ship you a copy immediately .

States that refuse Redemptor filings generally do so based on the claim that the
debtor and secured party are the same "person." This is very much not the case (for
official confirmation of this fact, see federal in Glossary, i.e. “...not only upon the
sovereign members of the Union, but directly upon all its citizens in their individual
and corporate capacities.” 1866). Most states acknowledge the difference, but a few
do not. For those that do not , we will need to file using one of the two methods
outfined below in paragraph E. Those states that do not rely on this philosophy are
bound by the limitations imposed by Section 9-516(b). Get your own copy of the
UCC so you can learn these key points.

E. Options in the case of non-acceptance of Redemptor filings by your state. If the

UCC Financing Statement is rejected as a Redemption filing , the situation can be
remedied in a couple of ways:

1. By doing what is called a “cross-filing," where your TRADE NAME is the debtor
and the secured party is a different party (close friend, family member) with an
entirely different name than your true name, thereby drawing no concern upon
filing; and

2. In the case where the Redemptor owns real estate in the filing state, by doing a
standard Redemptods UCC Financing Statement against the real property in the
office of the county clerk/recorder of the county where the property is located. In
this case, a certified copy of the filing would be obtained from the county at the
time of filing (standard procedure at county level) .

Sample filings for both of these filings are contained in this Section under the
headings "Cross-Filing” and “Real Estate Filing," respectively. If you need to do
either, simply duplicate the contents of the appropriate form, substituting your
particulars for those in the sample form.

F. Required follow-up filings after a cross-filing. In the case of a cross-filing there will
need to be two follow-up filings:

1. One to convert you into the secured party, called an “ASSIGNMENT (PARTY
INFORMATION)”—where there is a change in the parties; and
Page 3 of 12 UCC Financing Statement Instructions
218
 2. A second to get the proper security agreement (between your true name and
TRADE NAME) entered on the record after the initial secured party (friend, family
member) is no longer in the picture—called an “ASSIGNMENT (COLLATERAL
CHANGE)”—where there is a change in the collateral description.

Sample filings for both of the above two follow-up filings are contained in the next
Section, “UCC Financing Statement Amendments” under “Cross-Filing Amendment
#1" and “Cross-Filing Amendment #2.”

G. Follow-up filing after a real estate filing at county level. The first step is to do a
standard UCC Financing Statement filing against the Redemptor’s real estate at
county level, and obtain a certified copy at the time of filing (take along an extra copy
of the filing for the convenience of the county filing officer) . Then visit a notary public
and, using the certified copy from the county as the original , do a “Copy Certification
by Document Custodian" of this document. The “Copy Certification by Document
Custodian” form and its use are described in Section 6, Vital General Instructions for
All UCC Filings, in paragraph C. [Note: There is also included with this manual an
original blank copy of one of these forms for use in your state at the beginning of
Section 12, Blank Forms & Form Letters ] You should now have the original
certified copy from the county , and a second certified copy that you personally
certified at the notary’s. The certified copy that you made is yours to keep, so file it
in a safe place; the original from the county gets filed in the UCC filing office.

The next step would be to file the actual original certified copy of the filing from the
county in the UCC filing office at state level. Follow the remaining instructions in this
Section and file your county-certified copy at state level. The reason is this: the
state must accept UCC filings from any county filing office, but may reject those that
can be invalidated over authenticity issues. The genuineness of the original certified
copy from the county is beyond reproach, so those states that would otherwise reject
Redemptor filings, whisk these in and file them without blinking. There is another
benefit, as well: anyone with real estate needs to file a UCC Financing Statement in
every county where he/she owns real property . This needs to be done sooner or
later—in this case it is done sooner.

Note: The procedures described above are not intended to address completing the
actual UCC Financing Statement form, but are necessary to cover preliminary issues
you need to understand before commencing the filing process, which begins now.

II. Instructions for Completing the UCC Financing Statement Form.

A. Official UCC Instructions. Please read “Instructions for National UCC Financing
Statement (Form UCC1)” and “Instructions for National UCC Financing Statement
Addendum (Form UCCIAd)” immediately following this set of Instructions, and then
return and continue reading at paragraph B immediately below.

B. No ink- jet printers. Do not use an ink-jet printer for printing your documents--laser-
jet printers and typewriters only. Filing officers will reject ink-jet-printed documents
because their UCC-filing-office computers are unable to read the text.

UCC Financing Statement Instructions Page 4 of 12

219
 C . Completing the form (standard UCC Financing Statement). As well as the standard
filing , these instructions also cover the cross-filings and real estate filings discussed
above. Please consult the sample UCC Financing Statement form for John Henry
Doe as often as needed to confirm your understanding of the following Instructions:

1. Box A. Providing data in this box is optional. We recommend you leave it blank.

2 . Box B. Box B is for return of the UCC Financing Statement form after it has been
indexed (filed) and microfilmed. You may place any name and mailing location
you desire for return of the form. Because some states resist doing Redemption
filings , you should select the most appropriate data for Box B .

3. Box 1a. Not applicable for our purposes, hereinafter “N/A .”

4 . Box 1b . Enter all-capital-letters TRADE NAME of your straw man, military style,
i.e. "LAST, FIRST MIDDLE,” as requested.

5. Box 1c . Enter the statutory address, complete with two-letter postal designation
of the state, and the ZIP (“Zoning Improvement Plan”) Code. You may also put
“US ” in the country slot if you desire.
6 . Box 1d. To further differentiate between the true name and the TRADE NAME,
enter TRADE NAME' S Social Security Account Number in this box.

7. Box 1e - 1q. N/A.

8. Box 2a . N/A.

9 . Box 2b. This would come into play only in the case of the secured-party parent
naming as an official debtor , the wife, as well as any son/daughter under the age
of 18 (husband can claim wife’ s TRADE NAME, but wife cannot claim
husband's) . The need for having to list multiple family-member debtors on the
UCC Financing Statement can be avoided by the secured-party spouse/parent
simply claiming all birth certificates and TRADE NAMES of desired family
members as shown in the sample security agreement.

10. Box 2c . Using the technique described in Box 2b immediately above (paragraph
9) , this box would not need to be completed. If you decide to list multiple
debtors, please follow the same instructions for addresses given above for Box
1c (paragraph 5).

11. Box 3a. N/A .

12. Box 3b. There are a number of options re filling in the secured party’ s true name,
depending on the nature of the filing and any eccentricities of the UCC filing
office that you are aware of:

(a) Standard filing. Surname in box marked “INDIVIDUAL’S LAST NAME”; initial . - c. •
*
part of given name box marked “FIRST NAME”; second part of given name in
box marked ' EtRST NAME”; and any suffix in box marked “SUFFIX.” Though
^
Page 5 of 12 UCC Financing Statement Instructions
220
 many Redemptors may pull back from this style, we have not discovered a
detriment in any proceedings. This style would undoubtedly cause less
concern for a filing officer than placing the entire true name in one box as
shown immediately below in paragraph 12(b).

(b) Optional Redemptor filing. Complete true name (given name + surname;
initial letters only capitalized) appearing completely within the box marked
“INDIVIDUAL’S LAST NAME. ” This would be done where the filer was
confident that the filing officer would not kick it back . Note: Because the
indexing of the secured party’ s name is not a crucial issue with the filing office
(only secured party ' s surname gets indexed) filing offices are not too stringent
about this, and many people prefer not to enter their true name "military
style," as is done with TRADE NAMES and other corporately colored entities.
The choice is yours.

(c) Cross-filing. Since this secured party will disappear as soon as the first
Amendment is filed, you are free to write out this name any way you like,
including placing the entire name in capita! letters (which draws less attention
than upper- and lower-case letters). [Note: Some filing offices do not
appreciate forms that are completed in anything other than capital letters.
The UCC does not make this distinction, but a few filing offices are realizing
that this is a ploy that can be used to cause delay in the filing of the financing
statements of some Redemptors’ and so are using it. There is no basis for
this policy .] It is recommended that you follow the form as presented in
military style, i.e. last, first, middle, in ALL-CAPITAL LETTERS. Once the
filing is taken and a filing number issued, there is nothing to discuss.

(d) Real Estate filing. Same as “Standard filing” in paragraph 12(a) above.

13. Box 3c. Knowing what we know about the Postal Service ( see “The Curse of Co-
Suretyship" in Section 3), designations of an "address” and use of a ZIP Code
certainly pale in comparison with the incalculable financial liabilities associated
with accepting free delivery of mail matter. However, these factors probably
have some kind of bearing on how government looks at its “subjects." As well, it
probably just “feels better" to abstain from participating in the statutory mailing
scheme. The final choice rests with the reader; the authors recommend the
following:

(a) Standard filing, "in care of: [Number and Street]” in box marked “MAILING
ADDRESS ”; "[City]’’ in box marked “CITY”; “[de jure two-, three-, four-, or five-
letter State-abbreviation as found in the dictionary and in the datelines of
newspaper articles, complete with a period following, if possible] in box
marked “ STATE"; "Near [[ZIP Code in brackets]] in box marked "POSTAL
CODE”; “USA” in box marked “COUNTRY.’’

(b) Cross-filing. Again, since this party and his/her mailing location will vanish
upon the filing of the first UCC Financing Statement Amendment , it is
recommended that the filer enter address designations as done normally by
non- Redemptors .

UCC Financing Statement Instructions Page 6 of 12

221
 (c) Real Estate filing. Same as “ Standard filing” in paragraph 13(a) above.

14. Box 4. Here is the standard, blanket collateral description for each type of filing:

(a) Standard filing. The literal spelling-out in words of the document date as
shown below is a common-law (non-statutory) designation of the date, i.e. a
way of distinguishing between the common law and statutory law.
r icjVvV&.
“All of debtor , ,
' assets land and personal property, and all of debtor s interest
s '
in said assets, land, and personal property, now owned and hereafter acquired,
now existing and hereafter arising, and wherever located, described fully in
Security Agreement No . [ Your INITIALS]-[MMDDYY of document date]-
SA dated the [Sequential , spelled out] Day of the [Sequential, spelled out]
Month in the Year of Our Lord [Year , spelled out]. Inquiring parties may
consult directly with debtor for ascertaining, in detail, the financial
relationship and contractual obligations associated with this commercial
transaction, identified in security agreement referenced above . Adjustment of
- -
this filing is in accord with UCC §§ 1 103, 1 104, and House Joint Resolution
192 of June 5, 1933. Secured Party accepts Debtor's signature in accord with
-
UCC §§ 1 201(39), 3-401. ”

(b) Cross-filing. This is the text for the initial cross-filing only (collateral
descriptions for subsequent cross-filings are provided in the next section:
Section 9, UCC Financing Statement Amendment .

“All of debtor's assets, land, and personal property,

in said assets, land, and personal property, now owned and hereafter acquired,
now existing and hereafter arising, and wherever located, described fully in
Security Agreement No. [Any number designation other than the final one that
will be used by You]-SA dated the [Any date earlier than the date that will be
used by You].”

(c) Real estate filing. Same as “Standard filing” in paragraph 14(a) above.

15 . Box 5. N/A.

16. Box 6. This concerns only real estate filings, done only at county level.

(a) Standard filing. N/A.

(b) Cross-filing. N/A.

(c) Real estate filing. This is an important entry for real estate filings. Place an
“X” in the box in Box 6.
17. Box 7. N/A .

18. Box 8. N/A.

19. ADDENDUM Box 9a . N/A.

Page 7 of 12 UCC Financing Statement Instructions

222
 20. ADDENDUM Box 9b . Same name designation for debtor as that for Box 1c,
described in paragraph 'BCabove .

21. ADDENDUM Box 10. N/A.

22. ADDENDUM Box 11a - 11q . N/A .

23. ADDENDUM Box 12 a - 12c. N/A.

24. ADDENDUM Box 13 . Always place an “ X” in the box for "fixture filing" (last of the
three boxes) in every UCC Financing Statement filing you do at both state and
county level. This is a very important entry in that it places a security interest in
ail fixtures. Fixtures is defined as follows:

‘“ Fixtures’ means goods that have become so related to particular real property
that an interest in them arises under real property law.” UCC 9-102(a)(41).

This can be a somewhat fuzzy area, but basically, fixtures are anything that has
to do with a house, building, structure, etc. except for immovable components,
such as the foundation, wails, roof, etc.—the “ shell” house essentially.
Everything else can be construed as fixtures. Some examples of fixtures are:
dishwashing machine, satellite dish, lighting fixtures, garbage disposal, weather
vane, mail box, electric garage door opener, sprinkler system, electrical wiring
system , water heater, oven, refrigerator , etc. The bank only has an interest in
the paper that identifies the house—not the house itself. If you have a security
interest in the fixtures on a piece of property, you automatically have leverage
with the financial institution that holds the paper.
25. ADDENDUM Box 14. This box applies only in the case of a real estate filing at
county level. Fill in the precise legal description of the property. Remember also
that no matter when it is filed, anyone with real estate holdings needs to file a
UCC Financing Statement in the county where property is located.
26. ADDENDUM Box 15. N/A .

27. ADDENDUM Box 16. Used for additional space when a collateral description
runs over from the first page. Generally does not come into play in our filings.

28. ADDENDUM Box 17 . N/A.

29. ADDENDUM Box 18. Always place an “X” in the box marked, “Debtor is a
TRANSMITTING UTILITY." See transmitting utility in Glossary if you are not
certain why this is always done in Redemption filings. A transmitting-utility filing
is a permanent filing, and need not be renewed every five years, as is the case
—
with all other types of debtor-filings . If for no other reason and there generally
—
is no other reason in Redemptor filings the Addendum page should always be
used for designating the debtor as a transmitting utility. The remaining two boxes
in Box 18 are not applicable for our purposes and so should be left blank.

UCC Financing Statement Instructions Page 8 of 12

223
 III. Completing Your Private. Contractual Documents.
A. Maintaining privacy. None of the following documents is ever filed along with a
financing statement in the UCC filing office. Voluntary filing in the public record of
your private information makes it public, i.e. no longer private. For a real-life
example of how filing private data in the public record can harm your interests, see
“Public Filing vs. Privacy’’ near the end of Section 1, Maintaining Fiscal Integrity .
B. Certifying your documents. Since none of these documents are ever filed in the
UCC filing office , none of them will ever be time-/date-stamped and certified, as will
be the case with an actual financing statement , However , certification of any of
these documents can easily be done with the notary’ s “Copy Certification by
Document Custodian” form. Your notarized certification of your documents,
combined with a UCC-filing-office certified copy of the financing statement which —
precisely identifies your documents—is all the evidence you need to prove your
claim.

C . Nature of each document. Understanding of these documents can only come

through diligent study of their contents. The first three, the Private Agreement, the
Hold-harmless and indemnity Agreement , and the Security Agreement, are
described more fully in Section 1, Maintaining Fiscal Integrity than herein below.
Please see those descriptions for any uncertainties you may have about the
essence of each. The other two, Attachment Sheet and Private Collateral List , are
described below .

D. Creating your documents. The only way that these documents can be converted for
your private use is by going through each one, word by word, and plugging in your
particulars in place of John Henry Doe’ s (and those of his family). Since none of
these documents will ever be filed, it is not unreasonable that you complete and file
your UCC Financing Statement in the filing office before your documents are ever
completed. The only caveat (warning) is that you select the proper date for your
documents in accordance with the history of your life with spouse , children, binding
contracts, etc . , so key events are included within the scope of the documents time-
wise. Sample documents are all dated so as to come after a marriage and birth of a
daughter, but before execution of a mortgage contract). Mistakes are not fatal any —
—
error can be corrected with an amendment but you do not want to put yourself in a
vulnerable position, so just get it right the first time.

E. Description of documents.

1. Private Agreement. Foundation of contractual relationship between creditor and

debtor; seminal document. Never allowed to be seen by anyone else; for your
use only ; confirms the nature of the private relationship; no third party has any
right to impair the obligation of this contract.

2. Hold-harmless and Indemnity Agreement. Differentiates between the parties;

constitutes debtor’ s pledge to hold harmless and indemnify the secured party for
any alleged mischief that debtor is tagged for; officially declares that creditor is
not now, nor has creditor ever been, an accommodation party , and likewise a
surety , for debtor.
Page 9 of 12 UCC Financing Statement Instructions
224
 3. Security Agreement. Comprehensive statement of pledge of collateral by debtor;
covers all eventualities, both by debtor and those by any third party , in favor of
secured party in respect of all collateral.

4. Attachment Sheet. Allows for itemized description of collateral without including

it in Security Agreement-proper. In event you ever need to prove your claim by
using your Security Agreement, you need not worry about inadvertently
disclosing unrelated private information about you (and your family) . The Security
Agreement can be employed without revealing these things. When only a
particular piece of property need be verified via the Attachment Sheet integral
component of the Security Agreement; attached thereto, made fully part thereof,
—
—
and included therein by reference other , non-pertinent items of property may be
vetted (lined/blacked) out. You may even re-create the Attachment Sheet and
include only the property in question, thereby omitting all other semi-confidential
information that could be used by attacking party to harm your interests.

5. Private Collateral List. Another layer of privacy insulation for strict confidentiality;
not supposed to be known by anyone other than the party with whom TRADE
NAME is contracting. Examples: bank accounts, credit card accounts, email
addresses, unlisted telephone numbers, legally unregistered weapons, etc . As
with the Attachment Sheet, non-pertinent items can be vetted, and even
excluded altogether if desired, from any Private Collateral List supplied for the
purpose of proving your claim in the matter of a particular item of property.

IV. Instructions for Getting Your UCC Financing Statement Filed.

A . Proper UCC filing office. The financing statement must be filed in the debtor’s
location, i.e. the jurisdiction of the TRADE NAME’S (nof your) residence. Legally, a
person can have only one residence at any given time. For most people, this will be
the jurisdiction where the TRADE NAME (“individual”) is registered to vote, has its
driver license, etc.

“(b) Debtor’s location: general rules. Except as otherwise provided in this section,
the following rules determine a debtor’s location: (1) A debtor who is an individual is
located at the individual’s principal residence.. . UCC 9-307.

For those who still believe that Big Brother is just here to help:

“Residence. The act or fact of living or regularly staying at or in some place for the
discharge of a debt or the enjoyment of a benefit .” Merriam-Webster’s Online
Dictionary, 2002. (Underline and bold emphasis added)

B. Filing in birth state. It has recently been confirmed that the State Registrar of the
birth state is the official “custodian” (trustee) of the property contained in the birth
certificate, i. e. the name ( see birth certificate in Glossary for a full discussion). For
this reason, no matter where the TRADE NAME is currently a resident, it is
recommended that you also file in the birth state. When the residence state is the
same as the birth state, there will be only one filing; otherwise, there will be two.
After reading under birth certificate in Glossary , see “Letter for State Registrar re
Birth Certificate" in Appendix for putting the State Registrar on notice that he/she is
UCC Financing Statement Instructions Page 10 of 12
225
 forbidden to share your property (name) with anyone other than you (a death blow
for those in government who depend on these records as the “source" of your name,
and use it for financial gain).

C. Mailing/courier location of UCC filing office. Based on debtor-TRADE NAME'S

location, use the list of filing offices in Appendix under “UCC Filing Offices” (and
“UCC Filing Offices in Canada”) and contact the appropriate filing office and find out
the exact filing fee for your two-page UCC Financing Statement, as well as the fee
and procedure for obtaining a certified copy of your filing as soon as possible.
Establishing a phone relationship with one of the filing personnel is a good idea
because he/she can rescue you from unwanted situations, if necessary, in the
future. If he/she likes you, he/she will remember you.

D. Compiling the package for transmittal.

1. Cover sheet. Make a photocopy of the blank cover sheet in Section 12, under
“Cover Sheet for Filing by Mail/Courier,” and fill in the blank spaces by hand in
accordance with your filing. You can see a completed sample cover sheet just
before the sample UCC Financing Statement in this Section,

2. UCC Financing Statement. Place the cover sheet on top of the two (2) stapled
pages of the UCC Financing Statement (financing statement page plus
Addendum page).

3. Mode of transmitting your filing. As stated in “Vital General Instructions for All
UCC Filings” in Section 6, you generally have the following choices of
transmitting and getting your UCC Financing Statement filed:

(a) In person. Best, if you have a deadline and need your certified copy
immediately and the filing office offers a certified copy at time of filing. If you
really need the filing done in person (for certified-copy advantages) but
cannot make the trip, you can always use a local document filing sen/ice that
will do the same thing you could have (see below). Unless time is of the
essence, filing in person is not necessary.

(b) Mail. First-Class mail works fine, but sending by Certified/Registered Mail
gives you an automatic temporary “filing number,” i.e. the article number on
the sticker, in the event the filing is rejected for an invalid reason (other than
one of those in UCC 9-516(b)). Meaning, if the filing is rejected for a bogus
reason, you can use the mailing number for filing until the situation is rectified.
If you decide on Registered Mail for this mailing, please read the instructions
for Registered Mail appearing at the top of the sample Registered Mail receipt
form in Section 10, Handling Presentments.

(c) Courier. Most dependable and expeditious method. The Airbill number can
work like Certified/Registered Mail number in event filing is rejected (see 3(b)
above). If not filing in person, this is the recommended method.

(d) Electronically. We never file electronically, but that is no reason that you
shouldn't. Check out the options online and make your choice .
Page 11 of 12 UCC Financing Statement Instructions
226
 (e) Fax. If you have an extreme situation and cannot file electronically, fax may
be the answer. You would need to make contact with the filing office and find
out all particulars, including payment details. Filing offices usually fax back
time-/date-stamped copies of the fax-filing, sometimes for an extra fee. The
return fax you receive will be a second-generation copy, so print quality will
be inferior. Also, there may be no method of obtaining a certified copy of a
fax-filing other than submitting an Information Request (described in Section
7) and waiting for it to be processed. Providing an overnight envelope can
accelerate return of the certified copy, but the main delay will be in getting the
fax-filing microfilmed.

(f) Local document filing service. If there are advantages with filing in person but
you are unable to make the trip, this may be the answer. There are local
document filing services in every American jurisdiction (and in Canada, as
well). You can locate these organizations through UCC filing office personnel
(best), sometimes through the Secretary of State’s web site, by searching the
web, and in the Yellow Pages under “Messenger Services” and “Delivery
Services.” Fees are generally very reasonable, although such companies
generally require payment up front for individual parties; businesses can
usually be billed. One firm, Diligenz, offers filing services in every jurisdiction.
They can be reached at (800) 858-5924. Fax: (800) 345-6059. Web site:
www.diliqenz.com.

4. Planning for return of filed UCC Financing Statement from the filing office. We
feel it is important to control the travels of the UCC Financing Statement.
Therefore, we recommend inserting a self-addressed, pre-paid, overnight
envelope in your transmittal package. If you are filing in person, just provide the
filing officer with the overnight envelope. This is another reason to make friends
with someone in the filing office: he/she will generally go the extra mile for
someone he/she is familiar with, whereas he/she might not for someone else.
You need to account for return of as many as two (2) documents:
(a) Acknowledgment copy. This is your original copy of your UCC Financing
Statement, date-/time-stamped by the filing office and returned upon
completion of microfilming. If you do not make other arrangements, the
.
Acknowledgment copy will be sent by First-Class mail Once you receive this
copy from the filing office you can make a certified copy using the notary's
“Copy Certification by Document Custodian” form, but such would only be for
temporary use until you obtained an original certified copy.

(b) Certified Copy. This is the legal proof of your claims. Each filing office will
have its own policy re providing certified copies, so work with your new friend
at the filing office, find out the best way of getting your certified copy as soon
as possible, and comply with the guidelines given. Providing a self-
addressed, pre-paid, overnight envelope has proven to be the most
dependable way, unless you retrieve the certified copy in person.

5. Transmitting your filing. Select the best method of transmission and get your
package filed and a certified copy of the filing in-hand as soon as possible.

UCC Financing Statement Instructions Page 12 of 12

227
 Instructions for National UCC Financing Statement (Form UCC1)

Please type or laser-print this form. Be sure it is completely legible. Read ail Instructions, especially instruction 1; correct Debtor name is crucial. Follow
instructions comptetety .
Fill in form very carefully;mistakes may have important legal consequences if you have questions, consult your attorney , Filing office cannot give legal advice
, .
Do not insert anything in the open space In the upper portion of this form; It is reserved for filing office use.
.
When properly completed, send Filing Office Copy, with required fee to filing office. If you want an acknowledgment, complete item B and , if fifing in a filing
office that returns an acknowledgment copy furnished by filer , you may also send Acknowledgment Copy; otherwise detach. If you want to make a search
request, complete item 7 (after reading instruction 7 below ) and send Search Report Copy, otherwise detach . Always detach Debtor and Secured Party
Copies.
If you need louse attachments, use 8- 1/ 2 X 111nch sheets and put at the top of each sheet the name of the first Debtor , formatted exactly as it appears in
Item 1 of this form; you are encouraged louse Addendum (Form UCC 1Ad }.
A . To assist filing offices that might wish to communicate with filer, filer may provide information in item A. This item is optional.
8. Complete item B if you want an acknowledgment sent to you. If filing in a filing office that returns an acknowledgment copy furnished by filer , present
simultaneously with this form a carbon or other copy of this form for use as an acknowledgment copy.

1. Debtor name : Enteronfy one pebtQrname jn item 1 an organization' s 2. If an additional Debtor ts included, complete item 2, determined and
name ( 1 a) or an individual’s name ( 1b ) . Enter Debtor ' s exact full legal form a tied per Inst ruction 1. To include further additional Debtors , Of one
name Don't abbreviate. or more additional Secured Parties , attach either Addendum (Form
.
UCC 1Ad) or other additional page(s) using correct name format . Follow
1a. Organization Debtor "Organization” means an entity having a legal Instruction 1 for determining and formatting additional names ,
identity separate from its owner , A partnership is an organization; a sole
proprietorship is not an organization, even if it does business under a 3. Enter information for Secured Party or Total Assignee, determined and
.
trade name If Debtor is a partnership , enter exact full legal name of formatted per Instruction 1. If there is more than one Secured Party, see
partnership; you need not enter names of partners as additional Debtors. instruction 2 , If there has been a total assignment of the Secured Parly's
If Debtor is a registered organization ( e.g. , corporation,limited partnership, interest prior to filing this form, you may either ( 1) enter Assignor S/P ' s
limited liability company), it is advisable to examine Debtor ' s current filed name and address in item 3 and file an Amendment (Form UCC 3) [see
charter documents to determine Debtor ' s correct name , organization item 5 of that form]; or ( 2) enter Total Assignee’s name and address in
type, andjurisdiction of organization. .
item 3 and if you wish, atso attaching Addendum (Form UCC 1Ad) giving
Assignor S/P ' s name and address tn ilem 12.
1b. Individual Pebtor . “Individual" means a natural person; this includes a
sole proprietorship, whether or not operating under a trade name . Don' t 4. Use item 4 to indicate the collateral covered by this Financing Statement.
.
use prefixes (Mr , Mrs ., Ms ,) . Use sufftxbox only for titles of lineage ( Jr.+ If space in item 4 ts insufficient, put the entire collateral description or
Sr., HI) and not for other suffixes or titles ( e g,, M .D .) . Use married continuation of the collateral description on either Addendum (Form
woman' s personal name (Mary Smith, not Mrs . John Smith) , Enter UCC1Ad) or other attached additional page ( s).
individual Debtor s family name ( surname) in La st Name box, firsl given
name in First Name box , and all additional given names in Middle Name 5, If filer desires ( at filer' s option) to use titles of lessee and lessor , or
box. consignee and consignor , or seller and buyer (in thecaseof accounts or
For both organization and individual Debtors: Don’tuse Debtor's trade chattel paper) , or bailee and bailor Instead of Debtor and Secured Party ,
name , DBA, AKA , FKA, Division name, etc. in place of or combined with check the appropriate box in item 5. if this is an agricultural lien (as
Debtor’s legal name ; you may add such other names as additional defined in applicable Commercial Code) filing or is otherwise not a UCC
Debtors if you wish (but this is neither required nor recommended). security interest filing (e. g,a tax lien, judgment lien, etc ) , check the
appropriate box in item 5, complete items 1- 7 as applicable and attach any
1c . An address is always required for the Debtor named in 1 a or 1b. other items required under other law.

1d. Debtor’s taxpayer identification number ( tax ID #) — social security 6. If this Financing Statement is filed as a fixture filing or if the collateral
number or employer identification number
states.
— may be required in some consists of timber to be cut or as - extracted collateral, complete items 1-
.
5 , check the box in ilem 6 and complete the required information (items
13 , 14 and/ or 15 ) on Addendum (Form UCC 1Ad) .
1e , f , g. "Additional information re organization Debtor " is always required. Type
of organization and jurisdiction of organizalion as welI as Debtor’s exact 7 . This item is optional. Check appropriate box in item 7 to request Search
legal name can be determined from Debtor's current filed charter document. Report( s ) onaH or some of the Debtors named in this Financing Statement .
Organizational ID #, if any , is assigned by the agency where the charier The Report will list all Financing Statements on file against the designated
document was filed; this is different from tax ID #; this should be entered Debtor on the date of the Report, including this Financing Statement.
preceded by the 2- character U.S. Postal identification of slate of .
There is an additional fee for each Report If you have checked a box in
organization if one of the United States (e.g,, CA 12345, for a California Item 7 , file Search Report Copy together with Filing Officer Copy (and
corporation whose organizational ID # is 12345); if agency does not Acknowledgment Copy ). Note: Not all stales do searches and not all
.
assign organizational ID # check box in Item 1g indicating ‘’none.’' s ta te s wi fl honor a se arch re ques t made via this form; s ome sta te s require
a separate request form.
Note: If Debtor ts a trust ora trustee acting with respect to property held in trust,
enter Debtor’s name tn ilem 1 and attach Addendum (Form UCC1Ad) and 8. This Item ts optional and is for filer' s use only. For filer ' s convenience of
.
check appropriate box in item 17 If Debtor ts a decedent’s estate, enter name reference, filer may enter tn item 8 any identifying information (e g.,
of deceased Individual in item 1b and attach Addendum (Form UCC 1Ad) and Secured Party ' s loan number , law firm fife number , Oebtor's name or
check appropriate box in item 17 . If Debtor is a transmitting utility or this other identification, state in which form is being filed , etc . } that filer may
Financing Statement is filed In connection with a Manufactured-Home find useful.
Transaction or a Public-Finance Transaction as defined in applicable
Commercial Code, attach Addendum (Form UCC1Ad) and check appropriate
box in ilem 18

228
 instructions for National UCC Financing Statement Addendum (Form UCCIAd)
9. Insert name of first Debtor shown on Financing Statement to which this Addendum is rotated, exactly as shown in item 1 of Financing Statement.

10. Miscellaneous: Under certain circumstances, additional information not provided on Financing Statement may be required. Ateo, some states have
non-uniform requirements. Use this space to provide such additional information or to compty with such requirements ; otherwise, leave blank .

11, If this Addendum adds an additionat Debtor, complete Item 11 maccordanee with Instruction 1 on Financing Statement. To add more than one additional
Debtor, either use an additional Addendum form for each additional Debtor or replicate for each additionalDebtor the formatting of Financing Statement
item 1 on an 8-1/ 2 X 11 inch sheet { showing at the top of the sheet the name of the first Debtor shown on the Financing Statement ), and tn either case
give complete Information for each additional Debtor tn accordance with instruction 1 on Financing Statement. All additional Debtor information,
especially the name, must be presented In proper format exactly identical to the format of item 1 of Financing Statement .

12. If this Addendum adds an additional Secured Party , complete item 12 In accordance with Instruction 3 on Financing Statement. In the case of a total
assiQnment of the Secured P arty' $ interes t before the filing of this Financing S tatement, if filer has given the name and addres s of the TotaI Assignee
in item 3 of the Financing Statement, filer may give the Assignor S/P ' s name and address in item 12.

13-15. if collateralis timber to be cut or as-extractedcollateral, or if this Financing Statement is filed as a fixture filing, check appropriate box in item 13; provide
description of real estate in item 14 ; and, if Debtor is not a record owner of the describedreal estate, also provide , in item 15, the name and address
of a record owner. Aiso provide collateral description in item 4 of Financing Statement , Also check box 6 on Financing Statement . Description of real
estate must be sufficient under the applicable law of the jurisdiction where the real estate is located .

16. Use this space to provide continued description of collateral, if you cannot complete description in item 4 of Financing Statement.

17. If Debtor is a trust or a trustee acting with respect to property held in trust or is a decedent's estate , check the appropriate box.

18.
in the applicable CommercialCode , check the appropriate box . -
If Debtor is a transmittingutility or if the Financing Statement relates to a Manufactured-Home T ransaction ora Public Finance Transaction as defined

229
 UCC FINANCING STATEMENT
FOLLOW INSTRUCTIONS ( front and back) CAREFULLY
A. NAME & PHONE OF CONTACT AT FILER [optional]

B. SEND ACKNOWLEDGMENT TO: (Name and Address)

nIn care of: n

Post Office Box 9999
Los Angeles 90010
California
John Henry Doe
L J THE ABOVE SPACE IS FOR FILING OFFICE USE ONLY
.
1 DEBTOR'S EXACT FULL LEGAL NAME - insert only sue debtor name (1a or 1b) - do not abbreviate or combine names
1a, ORGANIZATION'S NAME

OR 1b INDIVIDUAL’S LAST NAME FIRST NAME MIDOLE NAME SUFFIX

DOE JOHN HENRY

1c. MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY
P.O. Box 9999 Los Angeles CA 90010 US
1d, TAX ID #: SSNOREIN ADD’L INFO RE lie/TYPE OFORGANIZATION 1f. JURISDICTION OFORGANIZATION 1g. ORGANIZATIONAL ID A if any

123-45-6789 ORGANIZATION
DEBTOR I NONE
2. ADDITIONAL DEBTOR'S EXACT FULL LEGAL NAME insert only one debtor name (2a or 2b) do not abbreviate or combine names
- - .
2a. ORGANIZATION'S NAME

OR
2b. INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

.
2c MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY

2d. TAX iD #: SSN OR EIN ADD’L INFO RE 12e. TYPE OFORGANIZATION 2f.JURISDICTION OF ORGANIZATION .
2g. ORGANIZATIONAL ID # if any
ORGANIZATION
DEBTOR | I [UNONE
3. SECURED PARTY'S NAME (or NAME of TOTAL ASSIGNEE of ASSIGNOR S/P) - insert only secured party name (3a or 3b)
3a. ORGANIZATION'S NAME ^
OR
3b. INDIVIDUAL S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

Doe John Henry

3c. MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY

In care of: Post Office Box 9999 Los Angeles Cal. Near [90010] USA
4. This FINANCING STATEMENT covere the following collateral;

All of debtor’s assets, land, and personal property, and all of debtor's interest in said-assets, land,
and personal property, now owned and hereafter acquired, now existing and hereafter arising, and
wherever located, described fully in Security Agreement No. JHD-030473-SA dated the Fourth Day
of the Third Month in the Year of Our Lord One Thousand Nine Hundred evnty-three. Inquiring
parties may consult directly with debtor for ascertaining, in detail, the financial relationship and
contractual obligations associated with this commercial transaction, identified in security agreement
referenced above. Adjustment of this filing is in accord with UCC §§ 1-103, 1-104, and House Joint
Resolution 192 of June 5, 1933. Secured Party accepts Debtor's signature in accord with UCC §§
1-201(39), 3-401.

5. ALTER NATIVE OESIGNATION p appricabtel:

8.
I l FSTATE RFCOftDS.
*
Attach Addendum
OPTIONAL FILER REFERENCE DATA
n LESS EE /LESSO R Q CONSIGNEE/CONSIGNOR

VL
IBAILEE/BAILOR
Check to REQUEST SEARCH
Ji
REPOim onMM ITL
1 .
SELLER/BUYER |AO
,
LIEN
flp
^ flo^
M
-
NON UCCFILING

FILING OFFICE COPY — NATIONAL UCC FINANCING STATEMENT (FORM UCC1) (REV. 07/29/98)
230
UCC FINANCING STATEMENT ADDENDUM
FOLLOW INSTRUCTIONS ( front and back) CAREFULLY
9. NAME OF FIRST DEBTOR (1a or 1b) ON RELATED FINANCING STATEMENT
9a . ORGANIZATION'S NAME

OR
.
9b INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME,SUFFIX
DOE JOHN HENRY
10. MISCELLANEOUS:

THE ABOVE SPACE IS FOR FILING OFFICE USE ONLY

11. ADDITIONAL DEBTQR‘S EXACT FULLJ.EGAL NAME insert only one name (11a or 11b) do not abbreviate or combine names
- -
11a. ORGANIZATION'S NAME

OR
11b. INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

11c. MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY

11d, TAX ID #: SSNOREIN ADD'L INFO RE j 11e. TYPE OF ORGANIZATION 11f, JURISDICTION OF ORGANIZATION .
11 g. ORGANIZATIONAL ID # If any
ORGANIZATION
DEBTOR n NONE

12. ADDITIONAL SECURED PARTY'S gr ASSIGNOR S/P'S NAME - insert only one name (12a or 12 b)
128 ORGANIZATION'S NAME

OR (FIRST
12b INDIVIDUALS LAST NAME NAME MIDDLE NAME SUFFIX

12c. MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY

13. This FINANCING STATE MENT covers [ j timber to be cut or

collateral, or Is filed as a .
fixture filing
n- as extracted 16. Additional collateral description:

.
14 Description of real estate:

1S. Name and address of a RECORD OWNER of above-described real estate

(if Debtor does not have a record interest):

17, Check cnly if applicable and check only one box.

Debtor is a Trust or Trustee acting with respect to property held in trust orri Decedent's Estate
16. Check only if applicable and check pnly one box.

Debtor ie a TRANSMITTING UTILITY

FilBd in connection with a Manufactured-HomB Transaction — effective 30 years

-
Filed in connection with a Public Finance Transaction ~ effective 30 years

FILING OFFICE COPY — NATIONAL UCC FINANCING STATEMENT ADDENDUM (FORM UCC1Ad) (REV. 07/29/98)
231
 UCC FINANCING STATEMENT
FOLLOW INSTRUCTIONS (front and back ) CAREFULLY
A. NAME & PHONE OF CONTACT AT FILER [optional]

B. SEND ACKNOWLEDGMENT TO; (Name and Address)

n
Blake M. Osborne
P.O. Box 2222
Los Angeles, CA 90022
L J THE ABOVE SPACE IS FOR FILING OFFICE USE ONLY
1. DEBTOR’S EXACT FULL LEGAL NAME - insert only one debtor name (1B or 1b) - do not abbreviate or combine names
la. ORGANIZATION S NAME

OR 1b. INDIVIDUAL'S LAST FIRST NAME MIDDLE NAME SUFFIX

NAME
DOE JOHN HENRY
1c. MAILING A 0DRES5 CITY STATE POSTAL COOE COUNTRY
P.O. Box 9999 Los Angeles CA 90010
1d. TAX ID #: SSN OR EIN ADD LINFORE [ ie. TYPE OF ORGANIZAT ON If.JURISDICTIONOF ORGANIZATION .
1g. ORGANIZATIONAL ID # if any

123-45-6789 ORGANIZATION
DEBTOR I HNONE
2. ADDITIONAL DEBTOR’S EXACT FULL LEGAL NAME - insert onlyunfl debtor name (2a or 2b) - do not abbreviate or combine names
2a. ORGANIZATION’S NAME

OR 2b. INDIVIDUAL’S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

2c. MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY

2d. TAX ID #: SSN OR EIN ADD’L INFO RE 2e. TYPE OF ORGANIZATION

ORGANIZATION
2f. JURISDICTIONOFORGANIZATION .
2g. ORGANIZATIONAL ID # if any

DEBTOR I HNONE
3. SECURED PARTY’S NAME (or NAME of TOTAL ASSIGNEE of ASSIGNOR S/P) - insert only ma secured party name (3a or 3b)
3a. ORGANIZATION'S NAME

OR
3b- INDIVIDUAL S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

Osborne Blake Michael

.
3c MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY
P.O. Box 2222 Los Angeles CA 90022 USA
4. This FINANCING STATEMENT covers the following collateral;

All of debtor's assets, land, and personal property, and all of debtor's interest in said assets, land,
and personal property, now owned and hereafter acquired, now existing and hereafter arising, and
wherever located, described fully in Security Agreement No. BMO-030102-SA dated March 1 >
2002.

5. ALTERNATIVE DESIGNATION (if applicable]: } j LESSEE/ LESSOR

, L | CONSIGNEE/ CONSIGNOR
,, ?NSIGNQR [ |BAILS E/BAILOR FTSELLEft/flUYER IAG. LIEN IJNON-UCCFILING
\ . J FSTATF RECORDS. Attach Addendum l;f »so - cartel F fcDlkxiall ' I All Debtors LJDebtor 1 Oebtor 2
8. OPTIONAL FILER REFERENCE DATA

FILING OFFICE COPY — NATIONAL UCC FINANCING STATEMENT (FORM UCC ) (REV. 07/29/98) 1

232
UCC FINANCING STATEMENT ADDENDUM
FOLLOW INSTRUCTIONS (front and back) CAREFULLY
9. NAME OF FIRST DEBTOR (1a or 1b) ON RELATED FINANCING STATEMENT
.
9a ORGANIZATION’S NAME

OR
.
9b INDIVIDUAL'S LAST NAME FIRST NAME .
MIDDLE NAME SUFFIX
DOE JOHN HENRY
10. MISCELLANEOUS:

THE ABOVE SPACE IS FOR FILING OFFICE USE ONLY

11. ADDITIONAL DEBTPR’S EXACT FULL LEGAL NAME •insert only on6 name (i1a or 11b) do not abbreviate or combine names
-
m. ORGANIZATION'S NAME

OR
11b. INDIVIDUAL 'S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

11c. MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY

11d. TAX ID #; $SN OR EIN ADD’L INFO RE 111« TYPE OF ORGANIZATION

ORGANIZATION
11f. JURISDICTIONOF ORGANIZATION 11Q. ORGANIZATIONAL ID # il any .
DEBTOR I I I PINONE
12. T ADDITIONAL SECURED PARTY'S
12a. ORGANIZATION'S NAME
gr | 1 ASSIGNOR SIP' S -
NAME insert only gne name (12a or 12b}

OR
12b. INDIVIDUAL S LAST NAME FIRST NAME MIODLE NAME SUFFIX

12c. MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY

[ as-extracted 18. Additional collateral description:

13, This FINANCING STATEMENT covers
Q limber to be cul or |
collateral, or is fled as a fixture filing.
14. Description of real estate:

15. Name and address of a RECORD OWNER of above - described real estate
(if DBbtor does not have a record interest):

17, Check gniy if applicable and check gn|y one box.

^^^^^ ^^^^^^ ^ ^ ^ ^ ^ ^^J^^

Debto Trus mstet ctm »Uwflspecn fOpart Tel rnrus 3 ecedenT Estat<
^ ^
)

.
18 Check only if applicable and check .
only one box

Oeblor is a TRANSMITTING UTIUTY

Fled in connection with a Manufaclured-Home Transaction — effective 30 years
Filed in connection with a Public*Flnance Transaction — effective 30 years

FILING OFFICE COPY — NATIONAL UCC FINANCING STATEMENT ADDENDUM (FORM UCC1Ad} (REV. 07/29/ 98)

233
 UCC FINANCING STATEMENT
FOLLOW INSTRUCTIONS (front and back) CAREFULLY
A. NAME & PHONE OF CONTACT AT FILER [optional]

S. SEND ACKNOWLEDGMENT TO: {Name and Address}

r In care of: n
Post Office Box 9999
Los Angeles 90010
California
John Henry Doe
L J THE ABOVE SPACE IS FOR FILING OFFICE USE ONLY
1. DEBTOR'S EXACT FULL LEGAL NAME - Insert only anfl debtor name ( Ta or Tb) - do not abbreviate or combine names
.
la ORGANIZATION'S NAME

OR 1b. INDIVIDUAL’S LAST NAME FIRST NAME MIDDLE NAME sumx

DOE JOHN HENRY
1c. MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY
P.O. Box 9999 Los Angeles CA 90010 US
.
1d TAX tD #: SSNOREtN ADD!INFO RE Me. TYPE OF ORGANIZATION
ORGANIZATION
tt. JURIS DiCTIONOFORGANtZATtON 1g ORGANIZATIONAL ID # if any.
123-45-6789 DEBTOR | } NONE

- -
2 , ADDITIONAL DEBTORS EXACT FULL LEGAL NAME insert only ana debtor name {2a or 2b) do not abbreviate or combine names
2a. ORGANIZATION’S NAME

OR MIDDLE NAME
2b . INDIVIDUAL S LAST NAME FIRST.NAME SUFFIX

2c. MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY

2d. TAX ID #: SSN OR EtN .

AOD’L INFO RE \ 2e TYPE OF ORGANIZATION .
2f JURISDICTION OFORGANIZATION 2g. ORGANIZATIONAL ID #, If any .
ORGANIZATION
DEBTOR | NONE

-
3. SECURED PARTY ' S NAME (or NAME of TOTAL ASSIGNEE of ASStGNOR S/P) insert only one secured party name (30 or 3b)
3 a. ORGANIZATION'S NAME

OR
3b. INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

Doe John Henry

3c . MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY

In care of: Post Office Box 9999 Los Angeles Cal. Near [90010] USA
A. This FINANCING STATEMENT covers the following colTaterat:

Al! of debtor’s assets, land, and personal property, and all of debtor's interest in said assets, land,
and personal property, now owned and hereafter acquired, now existing and hereafter arising, and
wherever located, described fully in Security Agreement No JHD-060996-SA dated the Ninth Day .
of the Sixth Month in the Year of Our Lord One Thousand Nine Hundred Ninety-six. inquiring
parties may consult directly with debtor for ascertaining, in detail, the financial relationship and
contractual obligations associated with this commercial transaction, identified in security agreement
referenced above. Adjustment of this filing is in accord with UCC §§ 1-103, 1-104, and House Joint
Resolution 192 of June 5, 1933. Secured Party accepts Debtor’s signature in accord with UCC §§
1-201(39), 3-401.

5, ALTERNATIVE DESIGNATION [If applicable!

) [ LESSEE/LESSOR [ \ CONSIGNEES ON5IGNQR 1 jBAtLEEJBAILOR Ll:SELLER/BUYER
KHCTnTEpORTJs)
.
AG LIEN -
| 1NQN UCC FtbtNG
7, Check to RfcQuBT
< ESTATE RECORDS Attach Addendum
REAL
fADDrpONA.TEEl ^ ,, __ faenkma 1 Aft Debtors
.
0 OPTIONAL FILER REFERENCE DATA
| | |

IlX
FILING OFFICE COPY — NATIONAL UCC FINANCING STATEMENT {FORM UCC1) (REV, 07/29/98)
234
UCC FINANCING STATEMENT ADDENDUM
FOllOW INSTRUCTIONS (front and back ) CAREFULLY
9. NAME OF FIRST DEBTOR (1a or 1b) ON RELATED FINANCING STATEMENT
93 . ORGANIZATION'S NAME

OR
.
9t> INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME.SUFFIX

DOE JOHN HENRY

10.MISCELLANEOUS:

THE ABOVE SPACE IS FOR FILING OFFICE USE ONLY

11. ADDITIONAL DEBTOR' S EXACT FULL LEGAL NAME - insert only one name (11a or 11b) - do not abbreviate or oombine names
1ta. ORGANIZATION'S NAME

OR
11b. INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

11c. MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY

11d- TAX ID #: SSNOREIN ADO'L INFO RE |l1e. TYPE OF ORGANIZATION 11f . JURISDICTION OF ORGANIZATION tig. ORGANIZATIONAL ID #, if any
ORGANIZATION
DEBTOR [~1NONE
12. ADDITIONALSECUREO PARTY’S m ASSIGNOR S/P*S NAME - insert only one name (12a or 12b)
12a. ORGANIZATION'S NAME

OR
12b. INDIVIDUAL'S LAST NAME FIRST NAME MIOOLE NAME SUFFIX

12c. MAIUNG ADDRESS CITY STATE POSTAL COOE COUNTRY

13; This FINANCING STATEMENT covers Jj timber to be cut or fj as-exlracled 16. Additional collateral description:
collateral , or is filed as a fixture filing.
14. Description of real estate:

WESTCHESTER ACRES, PH 1C,

BLK 12 LT 14 ACS 0.350,
VOL96136/0927 DD070199
CO-LOSANG, 243150000 22825009
(Deed transfer date: 19960610)

15. Name and address of a RECORD OWNER of above- described real estate
(if Debtor does not have a record interest):

17. Check only if applicable and check only one box,

^^jjj ^ ^ orJ jjTuste^ ^wiChjtespecU^ ^ ^ ^^^^^

Dabton ust din ropert e rUrus ecflidenr state
^
16. Check only if appicabla and check only one box. ^
Debtor is a TRANSMITTING UTILITY

-
Filed in connection with a Manufacturad Home Transaction — effective 30 years
Filed in connection with a Public-Fiharvoe Transaction — effective 30 years
FILING OFFICE COPY — NATIONAL UCC FINANCING STATEMENT ADDENDUM (FORM UCCIAd) (REV. 07/29/ 98) WASHINGTON FJLLABLE (REV. 07/01/2001)
235
 Date: March 1 3003 ,
Filing Officer
Secretary of Sfbta UCC PW . -
- -- -
> 5*00 It UiS hnact foxy* 35»
3acrQM n fe .t CA 35 ?l 4
,
Re: Referenced Commercial Transaction

Greetings:

Please find enclosed:

UCC Information Request Fee: $ -
(UCC 9 525)
X UCC Financing Statement Fee: $ IP ** -
(UCC 9 525)
X Certified Copy requested ($ 5* ** + $ per page) Fee: $ (Local rule)
UCC Financing Statement Amendment Fee: $ -
(UCC 9 525)
Certified Copy requested ($ +$ per page) Fee: $ (Local rule)
Total Fees: $

Please take the following actions re the enclosed:

Search Response Certified All Unlapsed (UCC 9-523)
0 Copy Request Certified All Unlapsed (UCC 9 523) -
Specified Copies Only Certified (UCC 9 523) -
X Record and index* -
(UCC 9 516(b); 9 519) -
G Real Estate Records filing (UCC 519(d)(e), 521(a))
Search Report All Debtors 0 Debtor 1 Debtor 2 -
(UCC 5 921(a))

Please return acknowledgment copy /requested records as follows:

-
G First Class Mail
Express Mail -
(pre paid Express Mail mailing label enclosed)
X Federal Express -
(pre paid FedEx USA Airbill enclosed)

Thank you.

John rteiru 'PbA

Los Angles, CA 900 IQ

* Filing Officer: In the event the enclosed financing statement/amendment is rejected for filing, please provide secured party
with the specific reason(s) for any such refusal in writing within two (2 ) business days of filing office’s receipt of said
financing statement/amendment in accordance with UCC § 9-520(b). If said refusal is for a reason other than as authorized at
-
UCC § 9 516( b), the person(s) responsible for said refusal should adequately identify himself ^herself in the aforementioned
written communication and provide secured party with the Code authority permitting said refusal .
Filing Cover Sheet Rev. 07/02 /2001
236
 PRIVATE AGREEMENT No. JHD-060996-PA
Non-Negotiable - Private Between the Parties
PARTIES
Debtor: DOE, JOHN HENRY®trade-name (*) Creditor: In care of: Post Office Box 9999
P.O. Box 9999 Los Angeles 90010
Los Angeles, CA 9001 0 California Republic
(*JOHN HENRY DOE1, and any and all John Henry Doe®
derivatives and variations in the spelling of said name.)
Debtor's Social Security Account Number: 1 23-45-6789

This Private Agreement is mutually agreed upon and entered into on this Ninth Day of the Sixth Month in the Year of Our Lord One Thousand
Nine Hundred Ninety-six between the juristic person, JOHN HENRY DOE0, and any and a!I derivatives and variations in the spelUng of said
name except "John Henry Doe," hereinafter jointly and severally "Debtor, " and the living, breathing, flesh-and-blood man, known by the
distinctive appellation John Henry Doe©, hereinafter "Creditor,"
ln consideration for Creditor {a} constituting the source; origin, substance, and being, i.e. basis of "preexisting claim," from which the
existence of Debtor is derived, and the basis upon which Debtor functions as a transmitting utility, i.e. serves as a conduit, granting Creditor
capacity for interacting, contracting, and exchanging goods and services in commerce with other artificial�uristic persons; (b) constituting
the source of Debtor's assets, via the sentient existence, exercise of faculties, and labor of Creditor, which provides valuable consideration
sufficient for supporting any contract whatsoever that Debtor may execute and concerning which Debtor may be regarded as bound, and
(c) providing the security for payment of all sums now due and owing, and as might become due and owing, by Debtor, Debtor, for valuable
consideration, does hereby and herewith Agree and Covenant that Debtor shall undertake the obligation of (i) functioning and serving as a
transmitting utility for the benefit of Creditor, granting Creditor ability for engaging in commerce with other juristic persons, and (ii)
indemnifying, defending, and holding Creditor harmless from and against any and all liability, claims, demands, orders, summonses, warrants,
judgments, damages, costs, losses, liens, levies, depositions, lawsuits, legal actions, penalties, fines, interests, and expenses whatsoever, both
absolute and contingent, due and as might become due, now existing and hereafter arising, howsoever evidenced, suffered, incurred by, and
imposed on Debtor, and for whatever reason, purpose, and cause whatsoever. Debtor, for valuable consideration, does also hereby and
herewith expressly acknowledge, consent, and agree that Creditor cannot and must not, under any circumstance, nor in any manner
whatsoever, be deemed an accommodation party, nor a surety. for Debtor,
Words Defined: Glossary of Terms. As used in this Private Agreement, the following words · and terms express
· the meanings set forth as
follows, non obstante:
Appellation. In this Private Agreement the term "appellation" means: A general term that introduces and specifies a particular term which
may be used in addressing, greeting, calling out for, and making appeals of a particular living, breathing, flesh-and-blood man.
Conduit. In this Private Agreement the term •·conduit" signifies a means of transmitting and distributing energy and the
effects/produce of labor, such as goods and services, via the name "JOHN HENRY DOE,' also known by any and a!I derivatives and
variations in the spelling of said name of Debtor except "John Henry Doe.'
Creditor, In this Private Agreement the term "Creditor" means John Henry Doe®.
Debtor. In this Private Agreement the term "Debtor" means JOHN HENRY DOE®, also known by any and all derivatives and variations
in the spelling of said name except 'John Henry Doe."
Derivative, In this Private Agreement the word "derivative" means coming from another; taken from something preceding;
secondary; that which has not the origin in itself, but obtains. existence from something foregoing and of a more primal and
fundamental nature; anything derived from another.
Ens legis. In this Private Agreement the term 'ens /egis'' means a creature of the law; an arttficia! being, as contrasted with a natural
person , such as a corporation, considered as deriving its existence entirely from the law.
JOHN HENRY DOE. In this Private Agreement the term "JOHN HENRY DOE' means JOHN HENRY DOE®, and any and all
derivatives and variations in the spelling of said name except "John Henry Doe," Common Law Copyright © 1 973 by John Henry Doee.
Al! Rights Reserved .
John Henry Doe. In this Private Agreement the term 'John Henry Doe' means the sentient, living being known by the distinctive
appellation "John Henry Doe." All rights are reserved re use of John Henry Doe@, Autograph Common-law Copyright © 1973 by John
Henry Doee, .
Juristic person. !n this Private Agreement the term "juristic person" means an abstract, legal entity ens /egis, such as a corporation,
created by construct of law and considered as possessing certain legal rights and duties of a human being; an imaginary entity, such
as Debtor, i.e. JOHN HENRY DOEt, which, on the basls of legal reasoning, is legally treated as a human being for the purpose of
conductin g commercial activity for the benefit of a bioloa ical, livin3 beina , such as Creditor.
'From the earliest times the law has enforced rights and exacted liabilities by ullfizing a corporate concept - by
recognizing, that is, juristic persons other than human beings. The theories by which this mode of legal
oPeration has develoP ed, has been ·ustified, qualified, and defined are the sub'ect J matter of a vea sizable
PRIVATE AGREEME�T No, JHD-060996-PA
Page 1 of 2 237
 library. The historic roots of a particular society, economic pressures, philosophic notions, all have had their
share in the law’s response to the ways of men in carrying on their affairs through what is now the familiar
device of the corporation. Attribution of legal rights and duties to a juristic person other than man is
necessarily a metaphorical process. And none the worse for it. No doubt, “Metaphors in law are to be
narrowly watched.' Cardozo , J„ in Berkev v . Third Avenue R . Co. . 244 N.Y . 84. 94. “But all instruments of
1

thought should be narrowly watched lest they be abused and fail in their service to reason.’’ See U.S. v.
SCOPHONY CORP. OF AMERICA. 333 U S 795 ; 58 S.Ct. 855 ; 1948 U.S. “
Living, breathing, flesh-and- blood man. in this Private Agreement the term “living, breathing, flesh-and-blood man” means the
Creditor, John Henry Doe®, a sentient, living being, as distinguished from an artificial legal construct, ens /eg/s, i.e. a juristic person,
created by construct of law.
Non obstante . In this Private Agreement the term “ non obstante" means: Words anciently used in public and private instruments
with the intent of precluding, in advance, any interpretation other than certain declared objects, purposes.
'There, every man is independent of all laws, except those prescribed by nature. He is not bound by any
' r s „ institutions
- yr
\
s
P ^ formed by his fellowmen without his consent ” CRUDEN v. NEALE, 2 N.C. 338 (1796) 2 S.E. 70.
Private Agreement . In this Private Agreement the term “Private Agreement” means the written , express, Private Agreement No.
JHD-060996-PA dated the Ninth Day of the Sixth Month in the Year of Our Lord One Thousand Nine Hundred Ninety-six, between
Creditor and Debtor , together with all modifications of and substitutions for said Private Agreement ,
Sentient, living, being. In this Private Agreement the term “sentient, living being" means the Creditor, i.e. John Henry Doe®, a living,
breathing, flesh-and-biood man, as distinguished from an abstract legal construct such as an artificial entity, juristic person,
corporation, partnership, association, and the like.
Signature. See UCC § 3-401(b) (what is considered signature) ,
Signed, See UCC §1-201( 39) (what is considered signed).
Transmitting Utility. In this Private Agreement the term “transmitting utility” means a conduit, e.g. the Debtor, i.e. JOHN HENRY
DOE®.
UCC. In this Private Agreement the term “UCC" means Uniform Commercial Code.
This is a continuing Private Agreement and perpetuates in effect until the death , i.e , the permanent cessation of all vital functions and
faculties , of Creditor.
This Private Agreement No. JHD-060996-PA is dated: the Ninth Day of the Sixth Month in the Year of Our Lord One Thousand Nine Hundred
Ninety-six
Debtor: JOHN HENRY DOE®
JOHN HENRY DOE®
Debtor’s Signature

Creditor accepts Debtor's signature in accord with UCC §§ 1-201(39), 3-401(b).

Creditor's Stflnatw# *

wtograph Common L
^ Copyright © 1973 by John Henry Doe®, All Rights Reserved.

PRIVATE AGREEMENT No. JHD-060996 PA -

238 Page 2 of 2
 HOLD HARMLESS AND INDEMNITY AGREEMENT No. JHD-060996-HH1A
Non-Negotiable - Private Between the Parties
PARTIES
Debtor: DOE, JOHN HENRY ® trade-name (*) Creditor: In care of: Post Office Box 9999
P. O. Box 9999 Los Angeles 90010
Los Angeles, CA 90010 California Republic
("JOHN HENRY DOE®, and any and all John Henry Doe®
derivatives and variations in the spelling of said name.)
Debtor’s Social Security Account Number: 12345-6789
This Hold-harmless and Indemnity Agreement is mutually agreed upon and entered into in this Ninth Day of the Sixth Month in the Year of Our
Lord One Thousand Nine Hundred Ninety-six between the juristic person, JOHN HENRY DOE®, and any and all derivatives and variations in
the spelling of said name except “John Henry Doe, ’ hereinafter jointly and severally "Debtor," and the living, breathing, ftesh-and-blood
1

man, known by the distinctive appellation John Henry Doe®, hereinafter “Creditor."
For valuable consideration Debtor hereby expressly agrees and covenants, without benefit of discussion, and without division, that Debtor holds
harmless and undertakes the indemnification of Creditor from and against any and ail claims, legal actions, orders, warrants, judgments,
demands, liabilities, tosses, depositions, summonses, lawsuits, costs, fines, liens, levies, penalties, damages, interests, and expenses
whatsoever, both absolute and contingent, as are due and as might become due, now existing and as might hereafter arise, and as might be
suffered/incurred by, as welt as imposed on, Debtor for any reason, purpose, and cause whatsoever. Debtor does hereby and herewith
expressly covenant and agree that Creditor shall not under any circumstance, nor in any manner whatsoever, be considered an
accommodation party, nor a surety, for Debtor.
Words Defined: Glossary of Terms. As used in this Hold-harmless and Indemnity Agreement, the following words and terms express the
meanings set forth as follows, non obstante:
.
Appellation In this Hold-harmless and Indemnity Agreement the term “appellation’’ means: A general term that introduces and
specifies a particular term which may be used in addressing, greeting, calfing out for , and making appeals of a particular living,
breathing, flesh-and-biood man.
Conduit. In this Hold-harmless and indemnity Agreement the term “conduit" signifies a means of transmitting and distributing energy
and the effects/produce of labor, such as goods and services, via the name "JOHN HENRY DOE," aiso known by any and all
derivatives and variations in the spelling of said name of Debtor except “John Henry Doe."
Creditor. In this Hold-harmless and Indemnity Agreement the term "Creditor ' means John Henry Doe®.
1

.
Debtor In this Hold-harmless and Indemnity Agreement the term "Debtor” means JOHN HENRY DOE®, aiso known by any and all
derivatives and variations in the spelling of said name except “John Henry Doe."
Derivative, in this Hold-harmless and indemnity Agreement the word "derivative" means coming from another; taken from something
preceding; secondary; that which has not the origin in itself, but obtains existence from something foregoing and of a more primal and
fundamental nature; anything derived from another.
.
Ens /eg/s In this Hotd-harmless and Indemnity Agreement the term “ ens legis" means a creature of the law; an artificial being, as
contrasted with a natural person, such as a corporation, considered as deriving its existence entirely from the law.
Hold-barmless and Indemnity Agreement. In this Hold-harmless and indemnity Agreement the term "Hold-harmless and Indemnity
Agreement" means this Hold-harmless and indemnity Agreement No. JHD-060996-HHIA, as this Hold-harmless and Indemnity Agreement
may be amended and modified in accordance with the agreement of the parties signing hereunder, together with alt attachments, exhibits,
documents, endorsements, and schedules re this Hold-harmless and Indemnity Agreement attached hereto.
JOHN HENRY DOE. In this Hold-harmless and Indemnity Agreement the term "JOHN HENRY DOE" means JOHN HENRY DOE®,
and any and all derivatives and variations in the spelling of said name except “John Henry Doe," Common Law Copyright © 1973 by John
Henry Doe®. AH Rights Reserved.
John Henry Doe. In this Hold-harmless and Indemnity Agreement the term " John Henry Doe” means the sentient, living, flesh- and-
blood man identified by the distinctive appellation “John Henry Doe." All rights are reserved re use of John Henry Doe®, Autograph
Common Law Copyright © 1973 by John Henry Doe®.
Juristic person. In this Hold-harmless and Indemnity Agreement the term “juristic person" means an abstract, legal entity ens legis,
such as a corporation, created by construct of law and considered as possessing certain legal rights and duties of a human being; an
imaginary entity, such as Debtor, i.e. JOHN HENRY DOE®, which, on the basis of legal reasoning, is legally treated as a human
being for the purpose of conducting commercial activity for the benefit of a biological, living being, such as Creditor.
“From the earliest times the law has enforced rights and exacted liabilities by utilizing a corporate concept -
by recognizing, that is, juristic persons other than human beings. The theories by which this mode of legal
operation has developed, has been justified, qualified, and defined are the subject matter of a very sizable
library. The historic roots of a particular society, economic pressures, philosophic notions, ail have had their
share in the law's response to the ways of men in carrying on their affairs through what is now the familiar
device of the corporation.— Attribution of legal rights and duties to a juristic person other than man is
HOLD HARMLESS AND INDEMNITY AGREEMENT No. JHD -060996-HHIA
Pagelof 2 239
 necessarily a metaphorical process. And none the worse for it , No doubt ‘ Metaphors in law are to be
narrowly watched." Cardozo, J. » in Berkev v . Third Avenue R. Co., 244 N,Y, 84. 94. "But all instruments of
thought should be narrowly watched lest they be abused and fail in their service to reason /' See U.S. v.
SCOPHONY CORP. OF AMERICA, 333 U.S. 795; 68 S.Ct. 855; 1948 U S."
Living, breathing, flesh^ and- blood man. In this Hold-harmless and Indemnity Agreement the term “living, breathing, flesh-and-
blood man ’ means the Creditor, John Henry Doe'0, a sentient, fiving being, as distinguished from an artificial legal construct, ens
1

legis , i.e. a juristic person, created by construct of law.

'There, every man is independent of all laws, except those prescribed by nature. He is not bound by any
institutions formed by his fellowmen without his consent/ CRUDEN v , NEALE, 2 N.C. 338 (1796) 2 S, E. 70.
1

Non obstante , in this Hold-harmless and Indemnity Agreement the term non obstante" means: Words anciently used in public and
11

private instruments with the intent of precluding, in advance, any interpretation other than certain declared objects, purposes.
Sentient, living being . In this Hold-harmless and Indemnity Agreement the term “ sentient, living being ’ means the Creditor, i.e. John
1

Henry Doe0, a living, breathing , flesh-and-blood man, as distinguished from an abstract legal construct such as an artificial entity,
juristic person, corporation, partnership, association , and the like.
Transmitting Utility- In this Hold-harmless and Indemnity Agreement the term "transmitting utility" means a conduit, e g. the Debtor,
i.e. JOHN HENRY DOE®
lICC, In this Hold-harmless and Indemnity Agreement the term "UCC” means Uniform Commercial Code.
This Hold-harmless and Indemnity Agreement No. JHD - 060996-HHIA is dated : the Ninth Day of the Sixth Month in the Year of Our Lord
One Thousand Nine Hundred Ninety-six
c
Debtor: JOHN HENRY DOE
JOHN HENRY DOEc
Debtor's Senators

Creditor accepts Debtor's signature in accord with UCC §§ 1-201( 39) , 3 -401(b).
Creditor's Signature

Xfitograph Common Lg
^
Copyright © 1973 by John Henry Doe®. All Rights Reserved.

HOLD HARMLESS AND INDEMNITY AGREEMENT No. JHD-060996-HHIA

240 Page 2of 2
 SECURITY AGREEMENT
Non-Negotiable - Private Between the Parties
-
No. JHD 060996-SA

PARTIES
Debtor: DOE, JOHN HENRY® trade-name {*) Secured Party: In care of: Post Office Box 9999
P.O. Box 9999 Los Angeles 90010
Los Angeles, CA 90010 California Republic
fJOHN HENRY DOE®, also known by any and all John Henry Doe®
derivatives and variations in the spelling of said name.)
--
Debtor’s Social Security Account Number: 123 45 6789
This Security Agreement is mutualty agreed upon and entered into on this Ninth Day of the Sixth Month in the Year of Our Lord One Thousand
Nine Hundred Ninety-six between toe juristic person, JOHN HENRY DOE®, also known by any and all derivatives and variations in the spelling of
said name except “John Henry Doe," hereinafter jointly and severally “Debtor,” and the living, breathing, fiesh-and-blood man, known by toe
distinctive appellation John Henry Doe®, hereinafter “Secured Party.”
For valuable consideration, Debtor (a) grants Secured Party a security interest m Collateral described herein below for toe purpose of securing
toe indebtedness; (b) delivers all of Debtor’s negotiable documents, instruments, money, tangible chattel paper, certificated securities, and
goods, except those goods for which a security interest cannot be perfected by the filing of a financing statement, into the possession of Secured
Party for the purpose of securing toe indebtedness; (c) authorizes that all of Debtor' s certificated securities in registered form be delivered into the
possession of Secured Party as of the date of this Security Agreement for toe purpose of securing toe indebtedness; (d) agrees concerning
having Debtor's name entered and registered in toe records of the UCC filing office as a transmitting-utiJity debtor; and (e) agrees that Secured
Party possesses toe rights stated in this Security Agreement re Collateral , as well as any and ali other rights that Secured Party may have.
This Security Agreement secures the following:
(a) Obligation of Debtor in favor of Secured Party as set forth in the express , written Private Agreement No. JHD-060996-PA; amount of
said obligation; Ten Billion United States Dollars ($10,000,000,000.00);
(b) Repayment of (i) any amounts that Secured Party may advance, spend, and otherwise convey for the maintenance, preservation,
upkeep, and toe like of the Collateral, and (it) any other expenditures that Secured Party may make under the provisions of this
Security Agreement in particular and for toe benefit of Debtor in general;
(c) All amounts owed under any modification, renewals, extensions, and the like of any of toe foregoing obligations;
(d) All other amounts owed Secured Party, both now and in the future, by Debtor;
(e) Alt indebtedness and liabilities, whatsoever, owed Secured Party by Debtor, both direct and indirect, absolute and contingent, due and
as might become due, now existing and hereafter arising, and however evidenced;
(f) Any other debts that may be owed Secured Party by Debtor, arising upon occasion as stated herein.
Debtor consents and agrees that ail Collateral/property is held in toe possession of Secured Party until Secured Party terminates this Security
Agreement in writing.
Words Defined: Glossary of Terms. As used in this Security Agreement foe following words and terms are as defined in this section, non
obstante:
Ali. In this Security Agreement the word “all” means everything one has: the whole number; totality, including both all and sundry;
everyone; without restriction.
Appellation. In this Security Agreement foe term “appellation” means; A general term that introduces and specifies a particular term which
may be used in addressing, greeting, calling out for, and making appeals of a particular living, breathing, flesh-and-blood man.
Artificial person. In this Security Agreement the term “artificial person” means a juristic person, such as Debtor, JOHN HENRY DOE®,
also known by any and all derivatives and variations in foe spelling of said name except “John Henry Doe.” See also Juristic person.
Authorized Representative in this Security Agreement the term "Authorized Representative" means the Secured Party, John Henry
,

Doe®, authorized by Debtor for signing Debtor's signature, without liability and without recourse.
Claim. In this Security Agreement toe word “daim" means: 1. Right of payment, both when such right is rendered into the form of a
judgment, and for damages that are liquidated, un-liquidated, fixed, contingent, matured, un-matured, disputed, undisputed, legal,
equitable, secured, and unsecured, as well as rulings regarding an equitable remedy for breach of performance if such breach results
in a right of payment, both when an equitable remedy is rendered into the form of a judgment and for debts/obligations that are fixed,
contingent, matured, un-matured, disputed, undisputed, secured, unsecured. 2. Demanding as one’s own any challenge of property,
and ownership of a thing, that is wrongfully withheld. [ See Hill v , Henrv. 66 N.J. Eq. 150, 57 At!. 555. Also, a daim is to state. See
Douglas v . Beaslev. 40 Ala 147, PridQ v , Pennsylvania. 16 pet 615, 10 LEd. 1060 ]

Conduit, in this Security Agreement the term “conduit” signifies a means of transmitting and distributing energy and the
effects/produce of labor , such as goods and services, via the name “JOHN HENRY DOE," also known by any and all derivatives and
variations in the spelling of said name of Debtor except “John Henry Doe."
Creditor, in this Security Agreement the term “Creditor” means John Henry Doe®.
Debtor. In this Security Agreement toe term “Debtor " means JOHN HENRY DOE®, also known by any and all derivatives and
variations in the spelling of said name except "John Henry Doe.”
SECURITY AGREEMENT No. JHD- 060996 -SA
Page 1 of 9
241
 Default. In this Security Agreement the term "default" means Debtor's non-performance of a duty arising under this Security
Agreement, specifically any event described below under "Event of Default."
Derivative. In this Security Agreement the word “derivative" means coming from another; taken from something preceding;
secondary; that which has not the origin in itself , but obtains existence from something foregoing and of a more primal and
fundamental nature ; anything derived from another.
Ens legis. In this Security Agreement the term " ens /eg/s ’ means a creature of the law; an artificial being, as contrasted with a natural
1

person , such as a corporation, considered as deriving its existence entirely from the law .
Hold-harmless and Indemnity Agreement. In this Security Agreement the term "Hold-harmless and Indemnity Agreement" means
the written, express, Hold-harmless and Indemnity Agreement No. JHD - 060996-HHIA dated the Ninth Day of the Sixth Month in the
Year of Our Lord One Thousand Nine Hundred Ninety-six, between Secured Party and Debtor, together with all modifications of and
substitutions for said Hold-harmless and Indemnity Agreement, attached hereto and included herein by reference.
John Henry Doe. In this Security Agreement the term "John Henry Doe" means the sentient, living being known by the distinctive
appellation "John Henry Doe." All rights are reserved re use of John Henry Doe®, Autograph Common Law Copyright © 1973 by John
Henry Doe®.
JOHN HENRY DOE . In this Security Agreement the term "JOHN HENRY DOE" means JOHN HENRY DOE®, and any and all
derivatives and variations in the spelling of said name except “John Henry Doe,” Common Law Copyright © 1973 by John Henry Doe®.
All Rights Reserved .
Juristic person. In this Security Agreement the term “juristic person" means an abstract, legal entity ens legis, such as a
corporation, created by construct of law and considered as possessing certain legal rights and duties of a human being; an imaginary
entity, such as Debtor, i.e JOHN HENRY DOE® , which, on the basis of legal reasoning, is legally treated as a human being for the
purpose of conducting commercial activity for the benefit of a biological, living being, such as Secured Party .
“From the earliest times the law has enforced rights and exacted liabilities by utilizing a corporate concept - by
recognizing, that is, juristic persons other than human beings. The theories by which this mode of legal
operation has developed, has been justified, qualified, and defined are the subject matter of a very sizable
library. The historic roots of a particular society, economic pressures, philosophic notions, all have had their
share in the law’s response to the ways of men in carrying on their affairs through what is now the familiar
device of the corporation. Attribution of legal rights and duties to a juristic person other than man is
necessarily a metaphorical process. And none the worse for it. No doubt , “Metaphors in law are to be narrowly
watched." Cardozo. J., in Berkev v. Third Avenue R. Co., 244 N.Y. 84, 94. "But all instruments of thought
should be narrowly watched lest they be abused and fail in their service to reason." See U S. v. SCOPHONY
CORP. OF AMERICA , 333 U.S. 795; 68 S. Ct. 855; 1948 U.S.”
Land. In this Security Agreement the word “land” means any and all ground, soil, and earth whatsoever, including pastures, fields,
meadows, woods, moors, waters, marshes, rock, and sand.
Legal entity. In this Security Agreement the term "legal entity" means an entity other than a natural person, with sufficient existence
in legal contemplation that said entity can function legally , sue and be sued , and make decisions through agents ,
Liability . In this Security Agreement the word "liability” means every kind of legal obligation, responsibility, and duty. Also the state
of being bound and obligated in law for doing , paying a debt, fulfilling an obligation , rendering committed specific performance, and
the like. [See Mayfield v. First Nat’l Bank of Chattanooga, Tenn , C.C. A . Tenn., 137 F.2d 1013, 1019; Feil v. City of Coeur d’ Aiene,
23 Idaho 32, 129 P, 643, 649, 43 L.R.A. N . S. 1095; Breslaw v . Riohtmire. 196 N.Y.S. 539, 541, 119 Misc. 833.]
Living , breathing , flesh- and- blood man. In this Security Agreement the term “living, breathing, flesh - and-blood man” means the
Secured Party, John Henry Doe®, a sentient, living being, as distinguished from an artificial legal construct, ens legis, i.e. a juristic
person, created by construct of law ,
"There, every man is independent of all laws, except those prescribed by nature. He is not bound by any
institutions formed by his fellowmen without his consent." CRUDEN v . NEALE, 2 N.C. 338 (1796 ) 2 S . E . 70.
Natural person. In this Security Agreement the term "natural person” means a living, breathing, flesh-and-blood man, as
distinguished from artificial persons, juristic persons, and the like.
Non obstante. In this Security Agreement the term “non obstante” means: Words anciently used in public and private instruments
with the intent of precluding, in advance, any interpretation other than certain declared objects, purposes.
Private Agreement . In this Security Agreement the term “Private Agreement" means the written, express Private Agreement No.
JHD - 060996-PA dated the Ninth Day of the Sixth Month in the Year of Our Lord One Thousand Nine Hundred Ninety-six between
Secured Party and Debtor, together with alf modifications of and substitutions for said Private Agreement.
Rents, wages , salaries , and other income, from whatever source derived. In this Security Agreement the term “rents, wages,
salaries, and other income, from whatever source derived” means all rents, wages, salaries, and other income , from whatever source
derived, being owed, and becoming owed for the benefit of Debtor
Secured Party . In this Security Agreement the term “Secured Party" means John Henry Doe ®, a living, sentient being as
distinguished from a juristic person created by construct of law.
SECURITY AGREEMENT No. JIID-060996-SA
242 Page 2 of 9
Security Agreement. In this Security Agreement the term “Security Agreement11 means this Security Agreement No. JHD 060996 SA, as
- -
this Security Agreement may be amended and modified by agreement of the partes, together with all attachments, exhibits, documents,
endorsements, and schedules attached hereto.
Sentient , living being. In this Security Agreement the term "sentient, living being’1 means the Secured Party, i.e. John Henry Doe®, a
-
living, breathing, fiesh and-blood man, as distinguished from an abstract legal construct, such as an artificial entity, juristic person,
corporation, partnership, association, and the like.
Signature, See UCC § 3401 (what is considered signature).
.
Signed See UCC §1-201(39) (what is considered signed). (?7) -

-
Trade name. In this Security Agreement the term " trade-name’’ means any and ail of the following juristic persons: JOHN HENRY
DOE®, SARAH JANE DOE®, and ANNA MARIE DOE®, as well as any and all derivatives and variations in the spelling of said name(s),
respectively, except "John Henry Doe," "Sarah Jane Doe," and "Anna Marie Doe," respectively.
Transmitting utility, in this Security Agreement the term " transmitting utility" means a conduit, e.g. the Debtor, i.e. JOHN HENRY
DOE®.
UCC. In this Hold-harmless and Indemnity Agreement the term “UCC” means Uniform Commercial Code.
Collateral. In this Security Agreement the term “Collateral" means any and all items of property of Debtor, now owned and hereafter
acquired, now existing and hereafter arising, and wherever located: ( a) referenced within any of the following categories—i.e. all:
motor vehicles, aircraft, vessels, ships, trademarks, copyrights, patents, consumer goods, firearms, farm products, inventory,
- -
equipment, money, investment property, commercial tort claims, letters of credit letter of credit rights, chattel paper, electronic chattel
paper, tangible chattel paper , certificated securities , uncertified securities, promissory notes, payment intangibles, software,
-
health-care insurance receivables, instruments, deposit accounts, accounts, documents, livestock, real estate and real property-
including all buildings, structures, fixtures, and appurtenances situated thereon, as well as affixed thereto—fixtures, manufactured
homes, timber, crops, and as-extracted collateral, i.e , all oil, gas , and other minerals, as well as any and all accounts arising from the
sale of these substances, both at wellhead and minehead; (b) described/identified within a particular, numbered paragraph under the
heading "Paragraph ‘(b)’ List" below; (c) described/identified within any document of title, certificate, form, and the like, a photocopy of
which has been appended with this Security Agreement, attached hereto, made fully part hereof, and included herein by reference;
-
(d) described/identified in “Attachment Sheet No. JHD 060996- AS" attached hereto, made fully part hereof, and included herein by
-
reference; (e) described/identified in “Private Collateral List No. JHD-060996 PCL,” made fully part hereof, and included herein by
reference; (f) described/classified within any of the following: (i) accessions, increases , and additions, replacements of, and
substitutions for, any of the property described in this Collateral section; (ii) products, produce, and proceeds of any of the property
described in this Collateral section; (iii) accounts, general intangibles, instruments, monies, payments, and contract rights, and all
other rights, arising out of sale, lease, and other disposition of any of the property described in this Collateral section; (iv) proceeds,
including insurance, bond, general intangibles, and accounts proceeds , from the sale, destruction, loss, and other disposition of any
of the property described in this Collateral section; and (v) records and data involving any of the property described in this Collateral
section, such as in the form of a writing, photograph, microfilm, microfiche, tape, electronic media, and the like, together with all of
Debtor’s right, title, and interest in all computer software and hardware required for utilizing, creating, maintaining, and processing any
such records and data in any electronic media. Each foregoing separate item of property referenced/described/identified/classified
within any of the six (6) preceding paragraphs, i.e. “( a)," "(b),” “(c)," "(d),” “(e),” and “(f),” in this Collateral section secures the entire
obtigation /amount of indebtedness, i.e. Ten Biition United States Dollars ($10,000,000,000 ,00).
Paragraph u(b)” List
1. The Irade name, mark, and trade-mark of Debtor : i.e. “JOHN HENRY DOE,” and any and all other assemblages of letters and
-
derivatives and variations in the spelling of said name used with the intent of identifying/referencing the Debtor, JOHN HENRY
DOE®, except “John Henry Doe”;
2. Any and every alleged birth document/record re John Henry Doe®, such as THE STATE OF TEXAS, BUREAU OF VITAL
STATISTICS, DALLAS, TEXAS, CITY OF DALLAS, CERTIFICATION OF VITAL RECORD, FILE NO.: 111222-55, "ISSUED 05-
05-75,” i.e. any and every "CERTIFICATE OF BIRTH/’ “STANDARD CERTIFICATE OF BIRTH,” “CERTIFICATE OF LIVE
BIRTH," “STANDARD CERTIFICATE OF LIVE BIRTH," "NOTIFICATION OF BIRTH REGISTRATION," "NOTIFICATION OF
REGISTRATION OF BIRTH," “CERTIFICATE OF REGISTRATION OF BIRTH," “CERTIFICATE OF BIRTH REGISTRATION,"
and any other otherwise-entitled birth document/record—issued at any of the following levels: hospital, city, county, state, federal,
other—allegedly involving, concerning, binding, derived from, etc . the name consisting of any assemblage of letters regarded as
identifying/referencing Debtor, i.e. JOHN HENRY DOE®, for any reason whatsoever ;
3. Debtor’s Social Security Account Number, 12345-6789, and ail related documents, instruments, and endorsements, front and
back, except the paper card—but not the ink and printing on either side of said paper card—issued by Social Security
-
Administration and bearing Social Security Account Number 123- 45 6789 on the obverse thereof;
4. Ail related accounts, trusts, documents , instruments, and endorsements , front and back, re Debtor’s Social Security Account Number
12345 -6789;
5. Ail Social Security income from Social Security Account Number 123- 45-6789;
6. Account Number 123456789;
SECURITY AGREEMENT No. JHD M0996 -SA -
Page 3 of 9
243
 7. Case Number 123456789;
8. UNITED STATES OF AMERICA PASSPORT No. 098765432;
9. CALIFORNIA DRIVER LICENSE N87654321;
10. STATE OF CALIFORNIA , ORANGE COUNTY CLERK-RECORDER, CERTIFIED ABSTRACT OF MARRIAGE, LOCAL
REGISTRATION NUMBER 85-006543 “DATE OF MARRIAGE; JUNE 12, 1985," “DATE FILED: JUNE 1985 “;
.
11 UNITED STATES OF AMERICA DEPARTMENT OF TRANSPORTATION - FEDERAL AVIATION ADMINISTRATION, PRIVATE
PILOT CERT. NO. 567898765;
12. All military/naval records, documentation, discharge papers, files, licenses, and the like referencing Debtor;
13. All land and real property;
14. All buildings, structures, and fixtures, and the appurtenances situated thereon and affixed thereto;
15. All documents involving alt real property in which Debtor has an interest, including ail buildings, structures, fixtures, and
appurtenances situated on and affixed thereto;
.
16 All motor vehicles and wheeled conveyances of any kind, motorized and otherwise, in which Debtor has an interest;
17. All vessels and all equipment, accoutrements, baggage, and cargo affixed thereto, pertaining thereto, stowed therein, and the like,
including but not fimited by: all motors, engines, ancillary equipment, accessories, parts, toots, instruments, electronic equipment
navigation aids, service equipment, lubricants, and fuels and fuel additives;
18. Ail aircraft and all equipment, accoutrements, baggage, and cargo affixed thereto, pertaining thereto , stowed therein, and the like,
including but not limited by: all motors, engines, ancillary equipment, accessories, parts, tools, instruments, electronic equipment,
navigation aids, service equipment, lubricants, and fuels and fuel additives;
.
19 All deposit accounts, i.e. all demand, time, savings, passbook, and other accounts maintained with a bank of any kind whatsoever;
20. All credit card accounts;
21. Ail charge accounts;
22. All brokerage accounts, i.e. all stock, bond, mutual fund, and money-market accounts, and the like;
.
23 All retirement plan accounts, Individual Retirement Accounts, 401(k)'s, pension plans, and the like;
.
24 All precious metats and bullion, and any storage box and receptacle within which such is stored;
. -
25 All stockpiles, collections, build ups, amassments, and accumulations, however small, of Federal Reserve Notes, gold certificates,
and silver certificates and all other types and kinds of cash , coin, currency, and money (delivered into possession of Secured
Party as of date of this Security Agreement as described in subparagraph “(b) “ of second paragraph on page 1 of this Security
Agreement) ;
26. All stocks, bonds, drafts, futures, insurance policies, investment securities, notes, options, puts, calls, warrants, securities, and
benefits from trust, and the tike;
.
27 All bank “safety’ deposit boxes, the contents therein, and the box numbers associated therewith, and the keys, combinations,
1

security codes, passwords, and the like associated therewith;

28. All credit of Debtor;
29 Ail proceeds, products, accounts, and fixtures from crops, mine head, wellhead , etc ;
30. All rents, wages, salaries, and other income, from whatever source derived;
.
31 Alt land, mineral, water, and air rights;
32. Alt documents, records, and certificates re cottages, cabins, houses, and buildings in which Debtor has an interest;
.
33 All inventory in any source;
.
34 All machinery, both farm and industrial;
.
35 All trailers, mobile homes, and recreational vehicles, and house, cargo, and travel trailers, and all equipment, accoutrements,
baggage, and cargo affixed thereto, pertaining thereto, stowed therein, and in any manner attached thereto, including but not
limited by: alt ancillary equipment, accessories, parts, service equipment, lubricants, and fuels and fuel additives;
36. All livestock and animals, and all things required for the care, feeding, use, transportation, and husbandry thereof;
.
37 All computers, computer-related equipment and accessories, electronically stored files and data, telephones, electronic
equipment, and office equipment and machines;
38. All visual reproduction systems, aural reproduction systems, motion pictures, films, video tapes, audio tapes, sound tracks,
compact discs, phonograph records, film, video and aural production equipment, cameras, projectors, and musical instruments;
39. Alt books, booklets, pamphlets, treatises, essays, treatments, monographs, stories, written material, libraries, plays, screenplays,
lyrics, songs, and music;
40. All financial books and records;

.
SECURITY AGREEMENT No JHD-060996-SA

244 Page 4 of 9
41. All proprietary data and technology, inventions, royalties, and good will;
42. All scholastic degrees, diplomas, honors, awards, and meritorious citations ;
43. All records, diaries, journals, photographs, negatives, transparencies , images, video footage, film footage, drawings, sound
records, audio tapes , video tapes , and computer production and storage facility of any kind;
44. All fingerprints, footprints, palm prints, thumbprints, RNA materials, DNA materials , blood and blood fractions, biopsies, surgically
-
removed tissue, body parts, organs, hair, teeth, nails , semen, urine, other bodily fluids and matter, voice print, retinal image, and
the descriptions thereof, and all other corporal identification factors , and said factors’ physical counterparts, in any form, and all
records, record numbers, and information pertaining thereto , re Debtor;
45. All biometrics data, records, information, and processes not elsewhere described, the use thereof, and the use of the information
contained therein, pertaining thereto, and otherwise;
46. All rights for requesting, refusing, authorizing, and disallowing the administration of, any drug, manipulation, material, process,
procedure, ray, and wave that Secured Party considers might alter the state of the body, mind, spirit, will, and any other aspect of
being, by any means, method, and process whatsoever;
47. All rights for obtaining, using, requesting, refusing, and authorizing the administration of, any food, beverage, nourishment, water,
and the like, that might be infused into, such as by injection, swallowing, and the like into the body, and any substance that might
affect the body in any manner whatsoever;
48. All keys, locks, lock combinations, encryption codes, safes , and secured places , and security devices, security programs, and all
software, machinery, and devices associated therewith and related thereto;
49. All rights for accessing and using utilities upon payment of the same unit costs as the comparable units of usage offered for the
-
benefit of most favored customers , including cable, electricity, garbage, gas, internet, satellite, sewer, telephone, water, Internet,
e-mail, and all other methods of communication, energy transmission, and food and water distribution;
50. All rights for bartering, buying, contracting, selling, and trading ideas , products, services , and work;
51. All rights for creating, inventing, adopting, utilizing, and promulgating any system and means of currency, money, medium of
-
exchange, coinage, barter, economic exchange, bookkeeping, record keeping, and the like;
52. All rights for using all free, rented, leased, fixed, and mobile domiciles , as if each were a permanent domicile, free from
requirement for applying for, and otherwise securing, any government license , permission, permit, and otherwise, and free from
entry, intrusion, and surveillance , by any means, regardless of duration of lease period, so along as any required lease is currently
-
paid, but wherein the alternative, a subsequent three day grace period has not expired;
53. All rights for managing, maneuvering, directing, guiding, and traveling in any form of motorized conveyance whatsoever, e.g.
automobile, truck, motorcycle, and the like, without any requirement for applying for, and without the obligation for obtaining, any
government license, permit, certificate, permission, and the like, of any kind whatsoever;
54. All rights for marrying and procreating children, and rearing, educating, training, guiding, and spiritually, enlightening any such
-
children, without any requirement for applying for, and without the obligation for obtaining, any government issued license,
number, serial number, permit, certificate, permission, and the like, of any kind whatsoever;
55. All rights for buying, selling, trading, gathering, growing, hunting, raising, angling, and trapping food, fiber, and raw materials for
shelter, clothing, and survival;
56. All rights for exercising and enjoying freedom of religion, worship, use of sacraments, spiritual practice, and expression without
any abridgment of freedom of speech, publishing, peaceable assembly, and petitioning Government for redress of grievances,
and also petitioning any military force of the United States , as well as any other group, agency, and organization, and otherwise
for physical protection from threats involving the safety and integrity of the person, as well as all property, of Secured Party from
any source, both "public” and "private”;
-
57. All rights for keeping and bearing arms for self defense of self, family, and parties requesting physical protection of person and
property;
58. All rights for creating, preserving, and maintaining inviolable spiritual sanctuary and receiving into same any and all parties
requesting safety, shelter, and sanctuary;
59. All rights involving privacy and security in person and property, including all rights such as the safety and security of all household
members, sanctuary dwellers, and guests, and all papers and effects of Debtor and all household and sanctuary dwellers and
-
guests, against governmental, quasi governmental, and private intrusion, detainer, entry, seizure, search, surveillance, trespass,
assault, summons, and warrant, except with proof of superior claim duly filed in the UCC filing office by any such intruding party in
the private capacity of said intruding party, notwithstanding whatever purported authority, warrant, order, law, pretense issued
under color of law may be promulgated as the authority for any such intrusion, detainer, entry, seizure, search, surveillance,
trespass, assault, summons, warrant, and the like ;
60. All claims of ownership and certificates of title involving corporeal and incorporeal hereditaments, hereditary succession, and all
innate aspects of being, i.e. mind, body, soul, free will, faculties, and self;
61. All names used and all corporations sole executed and filed, as well as might be executed and filed, under said names;
. -
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 62. All intellectual property, including all speaking, writing, and other media;
63. Ail signatures and autographs;
64. Alf present and future retirement incomes , and rights in such incomes, deriving from any of Debtor's accounts, deposit accounts,
and otherwise;
65. All present and future medical and healthcare rights, and rights owned through survivorship, from any of Debtor’s accounts,
deposit accounts, and otherwise;
66. All applications, filings, correspondence, information , identifying marks, images , licenses, travel documents, materials, permits,
registrations, and records and records numbers held by any entity, for any purpose, however acquired, as well as the analyses
and uses thereof, and any use of any information and images contained therein, regardless of creator, method, location, process,
and storage form, including ail processed algorithms analyzing, classifying, comparing, compressing, displaying, identifying,
processing, storing, and transmitting said applications, filings, correspondence, information, identifying marks, images, licenses,
travel documents, materials, permits, registrations, records and records numbers, and the like;
67. All library cards;
68. All accounts, deposits, escrow accounts, totteries, overpayments, prepayments, prizes, rebates, refunds, returns, claimed and
unclaimed funds, and ail records and records numbers, correspondence, and information pertaining thereto, as well as all such
items construed as being derived therefrom;
69. All drugs, herbs, medicine, medical supplies, cultivated plants, growing plants, inventory, ancillary equipment, supplies,
propagating plants, and seeds, and all related storage facilities and supplies;
70. Alt products of and for agriculture, and alt equipment, inventories, supplies, contracts, and accoutrements involved in the planting,
tilling, harvesting, processing, preservation, and storage of all products of agriculture;
71. Ail farm, lawn, and irrigation equipment, and all accessories , attachments, hand-tools, implements, service equipment, parts, and
supplies associated therewith and related thereto;
72. Aft fuel, fuel tanks, and containers, and ail involved and related delivery and transfer systems;
73. Ail metal-working, woodworking, and other such machinery, and all ancillary equipment, accessories, consumables, power tools,
hand tools, inventories, storage cabinets, toolboxes , work benches , shops, and facilities;
74. All camping, fishing, hunting, and sporting equipment, and all special clothing, materials, supplies, and baggage related thereto;
75. All rifles, guns, bows, and crossbows and related accessories , and the ammunition, projectiles, and integral components thereof;
76. All radios, televisions, communication equipment, receivers , transceivers, transmitters, antennas, and towers, and all ancillary
equipment, supplies, computers, software programs , wiring, and related accessories and devices;
77. All power-generating machines, devices , and the tike , and all storage, conditioning, control, distribution, wiring, and ancillary
equipment as might pertain thereto in any manner;
78. All computers and computer systems and the information contained therein , as well as all ancillary equipment, printers, and data
compression and encryption devices and processes ;
79. All office and engineering equipment, furniture, ancillary equipment, drawings, tools, electronic and paper files, and items
associated therewith and related thereto;
80. All water wells and well-drilling equipment, and all ancillary equipment, chemicals, tools, and supplies;
81. Ail shipping, storing, and cargo containers, and alt chassis, truck (ratters, vans , and the contents thereof, both on-site and in-
transit, as welt as in storage anywhere;
82. All building materiais and prefabricated buildings, and alt components and materials pertaining thereto, both before and during
manufacture, transportation, storage, building, erection, and vacancy while awaiting occupancy thereof;
83. All communications and data, and the methods, devices, and forms of information storage and retrieval, and the products of any
such stored information;
84. All books, drawings, magazines, manuals, and reference materials regardless of physical form;
85. All antiques, artwork, paintings, sculptures , etchings, photographic art, lithographs, and serigraphs, and att frames and mounts
pertaining thereto, affixed thereon, and otherwise;
86. All food, and all devices, tools, equipment, vehicles , machines, and related accoutrements involved in food preservation,
preparation, growth, transport, and storage;
87. All construction machinery and equipment and all ancillary equipment, supplies, materials, fuels, fuei additives, supplies,
materials, and service equipment pertaining thereto;
88. Ati medical, dental, optical, prescription, and insurance records , records numbers, and information contained in any such records
pertaining thereto;
89. All inheritances obtained, as well as alt inheritances as might be received;
90. All wardrobe and toiletries;
SECURITY AGREEMENT No. JHD-060996 -SA
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 91 . Alt watches, jewetry, precious jewels, and semi-precious stones, and any mounting attached thereto, and all rings, except wedding
rings, and all storage boxes within which any of the foregoing items are stored;
92. All radios, televisions, household goods and appliances, linen, furniture, kitchen utensils, cooking utensils, cutlery, tableware, and
pottery;
93. All ownership, equity, property, and rights in property now owned, held, and hereafter acquired, in all businesses, corporations,
companies, trusts, partnerships, limited partnerships, organizations , proprietorships, and other like entities, and alt books and
records pertaining thereto, all income obtained therefrom, and all accessories, accounts, equipment, information, inventory,
money, parts, spare parts, and computer software pertaining thereto,
94. Ail packages, parcels, envelopes, and (abets of any kind whatsoever that are addressed for the benefit of Debtor, both when
received and when not received by Debtor ;
95. Ail telephone, fax, and pager numbers;
96. All email addresses, Internet URL's, Internet web sites, internet domain names, and Internet Service Provider accounts;
97. Any item of property not specifically described/named/spedfied/llsted by make, model, serial number, account number, etc. is
expressly herewith included as an item of property pledged by Debtor as collateral for securing Debtor's contractual obligation in
favor of Secured Party.
This Security Agreement expressly herewith includes and encompasses all rights, legal tide, equitable tide, and interest in property described in
this Collateral section, both when now owned and when hereafter acquired, now existing and such as might hereafter arise, and wherever
located.
Held Harmless and Indemnified. In this Security Agreement Secured Party is held harmless and indemnified by Debtor in strict accordance
with Hold-harmless and Indemnity Agreement No. JHD-060996-HH1A, attached hereto and included herein by reference.
Authorized Representative. Debtor hereby appoints Secured Party as Debtor's Authorized Representative and authorizes Secured Party to do
the following: (a) sign, without liability, Debtor's signature in ail commercial activity between Debtor and any other juristic person, where such
signature is requested, and if required, for the purpose of authenticating toe writing; (b) regarding any deposit account of any kind maintained in
toe name of Debtor, and likewise maintained tn/under the Social Security Account Number of Debtor, with any bank , without further consent of
Debtor, and without liability: (i) to originate instructions for the deposit-account bank and direct the disposition of funds in any such deposit
account by acting as sole and exclusive signatory on said deposit account; (ii) to receive, open, and dispose of all written communication,
correspondence, and mail concerning any such deposit account sent by any such deposit-account bank; {iii} to compose, finalize , authenticate,
and send ail written communication, correspondence, and mail concerning any such deposit account with any such deposit-account bank; and
(iv) to maintain exciusive possession of any and all debit cards , ATM (Automated Teller Machine) cards, and other similar types of cards, as well
as all checkbooks, savings books, passbooks, and other types of account books, re any and ail such deposit accounts of any kind whatsoever
maintained with any bank; (c) to demand, collect, receive, accept receipt for, sue for, and recover ali sums of money and other property which are
now, and may hereafter become, due, owing, and payable in favor of the Debtor; (d) to execute, sign, and indorse any and alt claims,
instruments, receipts, checks, drafts, and warrants issued for, and made payable in favor of, Debtor; (e) to settle and compromise any and all
claims, now existing and as might hereafter arise, against Debtor, and against any item of Collateral; and (f) to file any claims, take any action,
and institute and participate in any proceedings , both in the name of Debtor and under toe distinctive appellation of Secured Party, as well as
otherwise, which, in toe sole discretion of Secured Party, may be deemed necessary and advisable. Secured Party may also receive, open, and
dispose of mail indicating any alleged address of Debtor, and change any address concerning which mail and payments should be sent This
authorization is given as security for the indebtedness , and the authority hereby conferred is irrevocable and remains in full force and effect until
renounced, in writing, and signed by Secured Party.
Perfection of Security interest, (a) Debtor authorizes Secured Party 's filing of a financing statement, and continuation statements as needed,
describing Collateral, as well as any and atl agricultural liens and other statutory liens against Debtor held by Secured Party; (b) Debtor also
authorizes execution of such financing statements by Secured Party, and agrees that Debtor will take all other such actions reasonably
requested by Secured Party, for perfecting and continuing Secured Party's security interest in Collateral, and also consents and agrees as
follows: (i) Secured Party may at any time, without further authorization from Debtor, file carbon, photographic, and other types of reproductions
of any herein-authorized financing statement, as well as this Security Agreement for use as a financing statement; and (ii) Secured Party is
neither responsible for faking any steps necessary for toe preservation of any third-party rights in CoHaterat, nor for protecting, preserving,
maintaining, and toe like any security interest granted any third party in Collateral.
Event of Default. Any event listed within any category below constitutes default under tots Security Agreement: (a) Insolvency of Debtor,
appointment of a receiver for any part of Debtor's property, any assignment for toe benefit of a third-party creditor, as well as commencement of
any proceeding under any set of laws, e g. bankruptcy law, by Debtor, as well as against Debtor; (b) Commencement of foreclosure by judicial
proceeding, self-help, repossession, as well as any other method by any third-party creditor of Debtor against any item of Collateral that is toe
subject of this Security Agreement; (c) Attachment execution, lien, levy, and the like concerning any item of Collateral; (d) Failure of compliance
of Debtor with any term, obligation, covenant, condition, and the tike , contained in (i) the written, express Private Agreement No. JHD-060996-PA
dated the Ninth Day of the Sixth Month in toe Year of Our Lord One Thousand Nine Hundred Ninety-six between Debtor, i.e. JOHN HENRY
DOE®, also known by any and all derivatives and variations in toe spelling of said name except "John Henry Doe," and the Secured Party, John
Henry Doe®, (ii) this Security Agreement, and (iii) any related document, as well as in any other agreement/contract between Debtor and Secured
Party.
.
SECURITY AGREEMENT No JHD 060996 SA
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 Rights and Remedies in Event of Default. In event of default under this Security Agreement, as well as under all related documents and other
agreements and contracts between Secured Party and Debtor, as well anytime thereafter, Secured Party shall have all rights of a Secured Party
in commerce re Debtor . In addition, and without limitation , Secured Party may exercise any number of the following rights and remedies:
Sell Collateral. Secured Party possesses full power to sell, lease, transfer, and otherwise deal with Collateral and proceeds thereof both in
the name of Debtor and under the distinctive appellation of Secured Party. Secured Party may sell Collateral in any manner and at any
place, such as at public auction, private sale, and otherwise without further notice. All expenses involving the disposition of Collateral,
including, without limitation, the expenses of holding, insuring, preparing for sale , and selling Collateral, become part of the indebtedness
secured by this Security Agreement and are payable on demand.
Appoint Receiver. In accordance with the requirements and options permitted by applicable law, Secured Party possesses the following
rights and remedies regarding appointment of a receiver: (a) Secured Party may have a receiver appointed as a matter of right; (b) the
receiver may be an employee of Secured Party and may serve without bond; and (c) ali fees of receiver, and all fees of any attorney of
receiver, become part of the indebtedness secured by this Security Agreement and are payable on demand, with interest at the Note rate,
unless payment of interest at that rate is not permitted by applicable law, in which event such unpaid fees shall bear interest at the highest
rate permitted by applicable law from date incurred until repaid .
Collect Revenues, Apply Accounts. Secured Party, both in Secured Party's personal capacity and through a receiver, may collect the
payments, rents, incomes , and revenues from Collateral. Secured Party may at any time, at the sole discretion of Secured Party, transfer
any Collateral under the distinctive appellation of Secured Party, as well as into the name of any nominee of Secured Party, and receive
the payments, rents, incomes, and revenues therefrom, and may hold same as security for the indebtedness, apply payments in favor of
the indebtedness in any order of priority that Secured Party may determine. Insofar as Collateral consists of accounts , general intangibles,
deposit accounts, insurance policies, instruments, chattel paper, choses in action, and any similar property, Secured Party may demand,
collect, receive, execute receipt for, settle, compromise, adjust, sue for, foreclose, and realize on Collateral as Secured Party may
determine, concerning both indebtedness and Collateral, whenever due.
Obtain Deficiency , If Secured Party decides to sell any item of Collateral, Secured Party may obtain a judgment against Debtor for
any deficiencies remaining on the indebtedness that Secured Party might be owed after application of all amounts received from the
exercise of the rights provided in this Security Agreement. Debtor is liable for a deficiency even if the transaction described in this
subsection is a sale of accounts, and likewise, of chattel paper.
Cumulative Remedies. All of Secured Party’s rights and remedies, as evidenced by this Security Agreement, as well as by any
related documents and by any other writing, are cumulative and may be exercised both singularly and concurrently. Pursuit by
Secured Party of any remedy does not exclude pursuit of any other remedy, and making expenditures and taking action for
performing an obligation of Debtor under this Security Agreement, after Debtor’s failure of performance, does not affect Secured
Party ' s right to declare a default and exercise the remedies therefor .
Other Rights and Remedies. Secured Party possesses all rights and remedies of a secured creditor under the Uniform Commercial
Code, as may be amended upon agreement between the parties. In addition, Secured Party possesses, and may exercise, any and
all other rights and remedies available at law, in equity , and otherwise.
Rules of Construction. In this Security Agreement: (a) neither the use of nor the referencing of the term "proceeds" authorizes any sale,
transfer, other disposition , and the like of Collateral by Debtor; (b) the words "include," “includes," and "including" are not limiting; (c) the word " all"
includes "any" and the word “ any" includes “all"; (d) the word " or” is not exclusive; and (e) words and terms (i) in the singular number include the
plural, and in the plural, the singular; and (ii) in the masculine gender include both the feminine and neuter.
Miscellaneous Provisions. The following miscellaneous provisions are a part of this Security Agreement :
Amendments. This Security Agreement, together with all related documents and endorsements , constitutes the entire
understanding and agreement of the parties re the matters set forth in this Security Agreement. This Security Agreement may neither
be changed nor modified in any manner whatsoever unless said change/modification is agreed upon by Secured Party in writing and
signed by Debtor and Secured Party.
Further Assurances. Upon reasonable request by Secured Party, Debtor consents and agrees that Debtor will execute any further
documents and take any further actions requested by Secured Party that augment any of the following : ( a) evidencing the security
interest granted herein; (b) perfecting the security interest granted herein ; ( c) maintaining first priority of the security interest granted
herein; ( d) effectuating rights herein granted Secured Party by Debtor.
Severability . In the event that a court of original and general jurisdiction at common law, such as an Article III court of justice arising
under the Constitution of the United States of America, 1787, with the Bill of Rights of 1791, as lawfully amended by the qualified
Electors of the several States of this American Union, and laws of the de jureUnited States of America, and such as a court of justice
in accordance with the course of the common law arising under the Constitution of the California Republic, as amended by the
qualified Electors of said California Republic and the laws of the de jure California, judicially determines that any part of this Security
Agreement, including any amendment , addendum , revision, and the like is unacceptable for any reason, such as on the basis of
being unlawful, invalid, void, unenforceable, and the like, such provision is thereby severed from this Security Agreement, but every
remaining provision continues in full force and effect and may not be affected by such determination. If feasible, any such offending
provision is deemed modified for inclusion within the limits of enforceability and validity. In the event that the offending provision

SECURITY AGREEMENT No. J1ID-060996 SA -

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 cannot be so modified, said offending provision is thereby stricken and alt other provisions of this Security Agreement in att other
respects remain valid and enforceable by Secured Party.
Waiver. Neither Secured Party's actions, nor Secured Party’s omissions, may be construed as a waiver of any rights under this
Security Agreement unless specifically so waived in writing and signed by Secured Party. Neither delay nor omission on the part of
Secured Party in exercising any right may operate as a waiver of such right, nor may it operate as a waiver of any other right A
waiver by Secured Party of a provision of this Security Agreement neither prejudices, nor constitutes a waiver of, Secured Party's
right for otherwise demanding strict compliance with that provision, and any other provision, of this Security Agreement. Neither prior
waiver by Secured Party, nor any course of dealing between Secured Party and Debtor, may constitute a waiver of any of Secured
Party’s rights, nor of any of Debtor's obligations re any future transactions. Whenever the consent of Secured Party is required under
this Security Agreement, the granting of such consent by Secured Party in any instance may not be construed as constituting
continuing consent for subsequent instances where such consent is required, and in att cases such consent may be granted and
withheld in the sole discretion of Secured Party.
This Security Agreement is not dischargeable in bankruptcy court. Secured Party is holder in due course of all negotiable instruments
referencing, bearing upon, and deriving from ail property and Collateral referenced herein. All Collateral is exempt from levy and third-
party lien.
This Security Agreement secures any and all Indebtedness and liability whatsoever that Debtor owes in favor of Secured Party,
both direct and indirect, absolute and contingent , due and as might become due, now existing and hereafter arising, and
howsoever evidenced. This Security Agreement also secures any other debt that may be owed by Debtor, as arising, upon
occasion, for the benefit of Secured Party.
Debtor acknowledges, consents, and agrees with all provisions of this Security Agreement and agrees that Debtor is bound by all
terms and conditions as set forth herein.
This Security Agreement No. JHD-Q60996-SA is dated: the Ninth Day of the Sixth Month in the Year of Our Lord One Thousand Nine Hundred
Ninety-six
Debtor: JOHN HENRY DOE®

JOHN HENRY DOE®

DabVs SlgnaiiHe

Secured Party accepts Debtor’s signature in accord with UCC §§ 1-201(39), 3-401 and accepts for value this Security Agreement
Secured Party's Si$naUire

Apograph Common Law /iapyiyrtght © 1973 by John Henry Doe . Ail Rights Reserved.
®

SECURITY AGREEMENT No. JHD-060996 -SA

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 ATTACHMENT SHEET No. JHD-060996- AS
Re : Security Agreement No. JHD- 060996- SA

1. The trade-name, mark, and trade-mark of Co-Debtor: i.e. "SARAH JANE DOE," and any and all other assemblages of letters and
derivatives and variations in the spelling of said name used with the intent of referencing Co-Debtor, i.e. “SARAH JANE DOE";
2. The trade-name, mark , and trade-mark of Co-Debtor: i.e. “ANNA MARIE DOE ,” and any and all other assemblages of letters and
derivatives and variations in the spelling of said name used with the intent of referencing Co-Debtor, i.e. “ANNA MARIE DOE";
3. Social Security Account Numbers: 459-95- 9876, 459-95-2345;
4. Account Numbers: 459959876, 459952345;
5. Case Numbers; 459959876, 459952345;
6. Permits: State of California Board of Equalization SALES PERMIT No. LA-22-0987654;
7. Land and real property: WESTCHESTER ACRES, PH 1C, BLK 12 LT 14 ACS 0.350, VOL96136/0927 DD070199 CO-LOSANG,
243150000 22825009 (Deed transfer date: 19960610);
8. Buildings, structures, and fixtures located on what is commonly known as: BUILDINGS;
9. Deposit accounts (i.e. demand, time, savings, passbook, and other accounts maintained with a bank of any kind): as authorized in
-
paragraph “(b)" under “Authorized Representative" on page “7" of Security Agreement No. JHD-06Q996 SA dated Fourth Day of the
Third Month in the Year of Our Lord One Thousand Nine Hundred Seventy-three, and described in Private Collateral List No. JHD -
060996-PCL;
10. Credit card accounts: as described in Private Collateral List No JHD -Q60996-PCL;
11. Charge card accounts: as described in Private Collateral List No. JHD-060996-PCL;
12 Brokerage accounts : as described in Private Collateral List No JHD-060996-PCL;
13. Retirement plan accounts, Individual Retirement Accounts, 401(k)'s, pension plans, and the like: as authorized in paragraph “(b)"
under “Authorized Representative ” on page “7” of Security Agreement No. JHD-060996-SA dated Ninth Day of the Sixth Month in the
Year of Our Lord One Thousand Nine Hundred Ninety-six, and described in Private Collateral List No. JHD-060996-PCL;
14. UNITED STATES OF AMERICA PASSPORT Nos.: 567890123, 234567890;
15. Driver licenses: CALIFORNIA DRIVER LICENSE B8765432;
16. Miscellaneous licenses: California Cosmetology Commission OPERATOR LICENSE, LICENSE NUMBER 0007775544 re "DOE,
SARAH JANE";.
17. Ail precious metals and bullion, and any storage box and receptacle within which such is stored: as described in Private Collateral List
No, JHD- 060996-PCL,
18 Ail keys, locks, lock combinations, encryption codes, safes, and secured places, and security devices , security programs, and all
software, machinery, and devices associated therewith and related thereto: as described in Private Collateral List No. JHD-060996-
PCL;
19. All present and future retirement incomes, and rights in such incomes, deriving from any of Debtor’s accounts, deposit accounts, and
otherwise: as described in Private Collateral List No. JHD -060996-PCL;
20. All rifles, guns, bows, and crossbows and related accessories, and the ammunition, projectiles, and integral components thereof: as
described In Private Collateral List No. JHD-060996-PCL;
21. All telephone, fax, and pager numbers: as described in Private Collateral List No. JHD-060996-PCL;
22. Email addresses, internet URL's, Internet web sites, Internet domain names, and Internet Service Provider accounts: as described in
Private Collateral List No. JHD-060996-PCL;

.
ATTACHMENT SHEET No JHD 060996 AS
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 PRIVATE COLLATERAL LIST No. JHD-060996-PCL
Re: Attachment Sheet No. JHD- 060996-AS

1. Deposit accounts (i.e. demand, time, savings, passbook, and other accounts maintained with a bank of any kind): Bank of America
account no. 54321-12345; Wells Fargo 8ank account no. 0525-876543;
2. Credit card accounts: Capital One account no, 4811-1111-2222-3333;
3. Charge card accounts: Chevron account no. 4325-9877-44; Sears account no, 234567- 876543-2345;
4. Brokerage accounts: Merrill Lynch account no. 233-456789012;
5. Retirement plan , and individual retirement account(s), 401(k)’s, pension plans, and the like: (none listed);
6. Precious metals and bullion, and any storage box and reoeptacle within which such is stored: 60 ounces (troy) silver stamped
“Smithburg Mint";
7. Keys, locks, lock combinations, encryption codes, safes, and secured places, and security devices, security programs, and all
software, machinery, and devices associated therewith and related thereto: (none listed);
8. Alt present and future retirement incomes, and rights in such incomes, deriving from any of Debtor's accounts, deposit accounts, and
otherwise: (none listed);
9. Rifles, guns, bows, and crossbows and related accessories, and the ammunition, projectiles, and integral components thereof: (none
listed);
10. Telephone, fax, and pager numbers: (562) 222-9999 , (310) 765 -0000;
11. AH email addresses, Internet URL’s, internet web sites, Internet domain names, and Internet Service Provider accounts: (none listed).

PRIVATE COLLATERAL LIST No , JHD-060996 -PCL

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 Section 9

UCC Financing Statement

AMENDMENT
Instructions
 UCC Financing Statement AMENDMENT
Instructions
I. Preliminary Filing Considerations.

A . Certified copy . As with the UCC Financing Statement, you will need to obtain a
certified copy of all Amendment filings, both at state level and county level. If a filing
office neither offers a certified copy at time of filing, nor the option to order a certified
copy at time of filing, you will need to utilize the process described in Section 7,
Information Request . Otherwise, follow the procedure described in the previous
Section and take the necessary steps to secure a certified copy of this filing.

B. Original filing number. To file an Amendment you will need the original filing number
of your UCC Financing Statement, as discussed in the previous Section. If you do
not yet have the original filing number, please review paragraph B on the first page
of the UCC Financing Statement instructions.

it . Instructions for the UCC Financing Statement AMENDMENT Form.

A. Official UCC Instructions. Please read "Instructions for National UCC Financing
Statement AMENDMENT (Form UCC 3)” and “Instructions for National UCC
Financing Statement AMENDMENT Addendum (Form UCC 3Ad) ” immediately
following this set of instructions, and then return and continue reading at paragraph
B immediately below.

B. Completing the UCC Financing Statement AMENDMENT form. As well as for a

standard Amendment, these instructions also cover the two follow-up filings for the
cross- filing described in the previous Section for the UCC Financing Statement. As
you go through these instructions, consult the particular sample UCC Financing
Statement AMENDMENT form for John Henry Doe that matches your needs as
often as necessary to confirm your understanding of the following Instructions:

1. Box A. Providing data in this box is optional. We recommend you leave it blank.

2 . Box B. Box B is for return of the UCC Financing Statement form after it has been
indexed (filed) and microfilmed. You may place any name and mailing location
you desire for return of the form. Because some states resist doing Redemption
filings, you should select the most appropriate data for Box B.

3. Box 1a. Place the original filing number of your UCC Financing Statement in this
box, as well as the exact date and time of filing, if convenient.

4. Box 1b. The only time this box is checked is when you do an Amendment on a
UCC Financing Statement filed at county level in a real estate filing. This is not
applicable for our needs as set forth herein, although the need could certainly
arise one day for those with real estate holdings.

Page 1 of 4 AMENDMENT Instructions

254
 5. Box 2. Used only for termination of a financing statement, wherein secured party
no longer claims a security interest in collateral. You will likely never do a
“Termination,” so this is not applicable for our needs.

6. Box 3. Used only for filings where debtor is not a transmitting utility, and must be
renewed every five (5) years. Does not apply for our purposes because your
TRADE NAME is a transmitting utility and the filing is permanent.

7. Box 4. . This box is checked when there is any change in the secured party of
record. This box covers both full and partial assignments of security interest in
the collateral of the debtor. Box 4 also has additional requirements for identifying
the new assignee, described in “(a)” below.

(a) Cross-Filing Amendment #1. Box 4 is checked in this, the first cross-filing
-
Amendment from the initial cross filing. Per additional instructions within Box 4:

i. The name of the assignee (your true name) is entered in Box 7b;

ii. The mailing location (address) of the assignee (you) is entered in box 7c;
and

iii. The name of the assignor (your friend/family member, original secured
party of record,) is entered in Box 9b.

8. Box 5. Used for indicating changes in names/addresses of the parties; also to

indicate addition of new parties and deletion of former parties. Boxes 6 and 7 are
used to reflect the particular change. Generally not applicable for our purposes.

9. Box 6. For listing changed names and addresses from Box 5. In case of name
change, current name is entered in Box 6a/6b; when a party is added/deleted,
name of party is entered in Box 6a/6b. Generally not applicable for our needs.
10. Box 7. Entries made based on indication in Box 4 (assignee) or Box 5 (new
party’s name/address, and tax ID, in the case of a new debtor; generally not
applicable). Since you are named as assignee in the first cross-filing:

(a) Cross-Filing Amendment #1. As indicated in Box-4 instructions:

i. Enter name of assignee (your true name) in Box 7b;

ii. Enter mailing location (address) of assignee (you) in box 7c ; and

iii. Enter name of the assignor (your friend/family member, original secured
party of record,) in Box 9b.

11. Box 8. This box gets an entry whenever there is a change of any kind in the
collateral. Both Cross-Filing Amendment #1 and #2 will affect the collateral
because #1 is a full assignment of security interest in the collateral of the debtor,
and #2 (a subsequent filing) is a restated collateral description (that identifies the
correct security agreement between debtor and secured party):

AMENDMENT Instructions Page 2 of 4

255
 (a) Cross-Filing Amendment #1. When doing the first follow-up cross-filing, i.e.
Cross-Filing Amendment #1, place an "X" in the last box on the far right (of
Box 8), marked “describe collateral assigned,” and enter the following text:

“Secured party herewith executes a full assignment of collateral, identified in

Security Agreement No. [Any number designation other than the final one that
you will use]-SA dated the [Any date earlier than the one you will use] in
favor of assignee , new secured party of record , [You]. Inquiring parties may
consult with debtor directly for ascertaining, in detail, the financial
relationship between debtor and new secured party of record, identified in
security agreement referenced above.”

(b) Cross-Filing Amendment #2. This same box is used in the subsequent,
follow-up cross-filing, i.e. Cross-Filing Amendment #2, but a different box is
checked. A few days (2 - 3) after Cross-Filing Amendment #1 is filed you
may file Cross-Filing Amendment #2. The UCC filing office records and
indexes alt filings in sequence based on date received . There will not be a
mix-up between the second follow-up cross-filing and the first , even if you do
not get confirmation of the first filing before sending out the second.

In Cross-Filing Amendment #2, place an “X” in the third box from the left , i.e.
box marked, “give entire restated collateral description, ” and then enter the
following text in Box 8:

“All of debtor's assets, land, and personal property , and all of debtor's interest
in said assets, land, and personal property, now owned and hereafter acquired,
now existing and hereafter arising, and wherever located , described fully in
Security Agreement No . [Your INITIALS]-[MMDDYY of document date]-
SA dated the [Sequential, spelled out] Day of the [Sequential, spelled out]
Month in the Year of Our Lord [Year, spelled out]. Inquiring parties may
consult directly with debtor for ascertaining, in detail, the financial
relationship and contractual obligations associated with this commercial
transaction, identified in security agreement referenced above. Adjustment of
this filing is in accord with UCC §§ 1-103, 1-104, and House Joint Resolution
192 of June 5, 1933. Secured Party accepts Debtor's signature in accord with
UCC §§ 1-201(39), 3-401 .
12. Box 9. This box indicates the particular party that is authorizing the Amendment:
sometimes it will be the debtor; sometimes it will be the secured party . Neither
the check-box appearing in the text of Box 9 , nor Box 9a, applies for our needs in
either cross-filing Amendment ; only Box 9b.

(a) Cross-Filina Amendment #1. Since the original secured party of record (your
friend/family member) is authorizing the full assignment in Box 4, his/her name is
entered in Box 9b (exactly as it appears in the UCC Financing Statement).

(b) Cross-Filing Amendment #2 . Since the debtor (your TFtADE NAME) is

authorizing the restated collateral description, its name goes in Box 9b (exactly
as it appears in the UCC Financing Statement and Cross -Filing Amendment #1).

Page 3 of 4 AMENDMENT Instructions

256
 13. Box 10. N/A.

14. Note re AMENDMENT ADDENDUM page Generally speaking , you will not have
a need to use the UCC Financing Statement AMENDMENT ADDENDUM. The
primary purpose of this page is to provide more space for continuation of the
collateral description from Box 8, but based on our system this will likely never
occur. If the need ever arises to use this page, follow the instructions as given
below, otherwise, the AMENDMENT ADDENDUM page may be disregarded.

15. ADDENDUM Box 11. If this page is needed, place the original filing number of
your UCC Financing Statement in this box, as well as the exact date and time of
filing, if convenient. This is the same data that appears in Box 1a.

16. ADDENDUM Box 12a. N/A.

17. ADDENDUM Box 12b. If the Addendum page is needed, place the same name
that appears in Box 9b in Box 12b.

18. ADDENDUM Box 13. If the collateral description in Box 8 exceeds the space
given, continue the text in Box 13 of the Addendum page.

C. Official instructions. Though somewhat difficult to decipher, the official instructions

for the UCC Financing Statement AMENDMENT are nevertheless accurate. If there
is ever any doubt about exactly what data goes where, always consult the official
instructions and get it worked out so you are completely satisfied

III. Subsequent Use of the UCC Financing Statement AMENDMENT.

A. An invaluable tool. The UCC Financing Statement AMENDMENT gives you leeway
to modify the original financing statement any way you like. Mistakes are also easily
corrected simply by filing an Amendment. The UCC Financing Statement
AMENDMENT, even though called an “Amendment,” immediately becomes part of
the original UCC Financing Statement as soon as it is filed. So even though it goes
by a different name, it is only modifying the financing statement in some way.

B. All other aspects of use identical with those of UCC Financing Statement. The main
purpose of these instructions on the Amendment is to cover the entry in each box of
the form. Peculiarities regarding style of displaying names, addresses, etc. , are the
same in the Amendment as in the UCC Financing Statement instructions Consult.
the UCC Financing Statement instructions for any questions other than the data that
is entered in specific boxes.

AMENDMENT Instructions Page 4 of 4

257
 Instructions for National UCC Financing Statement AMENDMENT ( Form UCC3)
Please type or laser - print this form. Be sure it is completely legible . Read all Instructions , especially Instruction 1 a; correct file number of initial financing
statementis crucial. Follow Instructions completely .
Fill in form very carefully;mistakes may have important lega I consequences. If you have questions, consult your attorney Filing office cannot give legal advice ,
Do not insert anything in the open space in the upper portion of this form; it is reserved for filing office use .
An Amendment may relate to only one financing statement. Do not enter more than one file number in item 1 a
When properly completed, send Filing Office Copy , with required fee , to filing office ffyou want an acknowledgment, complete item Band, if filing in a filing
,

office that returns an acknowledgment copy furnished by filer, you may also send Acknowledgment Copy, otherwise detach. Always detach Debtor and
Secured Party Copies.
If you need to use attachments , use 8 -1/ 2 X 11 inch sheets and put atthetop ofeach sheet : " AMENDMENTand the file numberof the initial financing statement
to which this Amendment relates ; you are encouraged to use Amendment Addendum (Form UCC 3Ad ) .
Always complete items 1 p and 9.
A To assist fling offices that might wish to communicate with filer , filer may provide information in item A . This Item is optional.
B Complete item B if you want an acknowledgment sent to you. If filing in a filing office that returns an acknowledgment copy furnished by filer , present simultaneously
with this form a carbon or other copy of this form for use as an acknowledgment copy.

1a. File number: Enter file number of initial financing statements which this 5 , 7 . Toadd a party: Check box in item 5 to indicate whether adding a Debtor
Amendment relates. Enteronfy one fife number. In some states , the file or Secured Party; also check box in item 5 to indicate that this is an
number is not unique; in those states, also enter in item 1 a , after the file additionof a party; also enter all required information in item 7: name { 7 a
number , the date that the initial financing statement was filed. or 7b ) and address ( 7c ) ; also , if adding a Debtor, tax ID # ( 7 d) in those
states where required, and additional organization Debtor information
1b. Only if this Amendment is to be filed orrecorded in the realestate records , ( 7 e -g) if added Debtor is an organization. Note: The preferred method
check box 1b and also , in item 13 of Amendment Addendum , enter for filing against a new Debtor (an individual organization not previously
Debtor ' s name , in proper format exactly identical to the format of item 1 of record as a Debtor under this file number) is to file a new Financing
of financing statement, and name of record owner if Debtor does not have Statement (UCC1) and notan Amendment (UCC 3).
a record interest.
8. Collateral change. To change the collateral covered by the identified
Note : Show purpose of this Amendment by checking box 2 , 3 , 4, 5 (in item 5 financing statement, describe the change in item 8, This may be
you must check two boxes) or 8; also complete items 6 , 7 and / or 8 as accomplished either by describing the collateral to be added or deleted, or
appropriate. Filer may use thisAmendment form to simultaneously accomplish by setting forth in full the collatera I description as it is to be effective after
both data changes (items 4, 5, and /or 8 ) and a Continuation (item 3) , although the filing of this Amendment , indicating clearly the methodchosen ( check
in some states filer may have to pay a separate fee for each purpose . the appropriate box) . If the space in item 8 is insufficient, use item 13 of
Amendment Addendum (Form UCC 3Ad). ApartialreJeaseof collaterals
2. To termmats the effectiveness of the identified financing statement with a deletion, [ f, due to a full release of all collateral, filer no longer claims a
respect to security interest( s ) of authorizing Secured Party, check box 2. security interest under the identified financing statement , check box 2
See Instruction 9 below . ( Termination) and notbox 8 ( Collateral Change). Ifa partial assignment
consists of the assignment of some ( but not all) of the collateral covered
3. To cpntinuethe effectiveness of the identified financing statement with by the identified financing statement, filer may indicate the assigned
respect to security interest( s) of authorizing Secured Party, check box 3 , .
collatera!in item 8 check the appropriate box in item 8, and also comply
See Instruction 9 below. with instruction 4 above .

4 To assign (i) all of assignor’s Interest under the identified financing 9, Always enter name of party of record authorizing this Amendment; in most
statement, or (ii) a partial interest in the security interest covered by the cases, this will be a Secured Party of record. If more than one authorizing
identified financing statement , or (iii) assignor’s full Interest in some ( but Secured Party, grveadditionalname ( s ) , properly formatted , in item 13 of
not all) of the collateral covered by the identified financing statement: Amendment Addendum (Form UCC 3Ad). If the indicated financing
Check box in item 4 and enter name of assignee in item 7 a ifassignee is statement refers to the parties as lessee and lessor, or consignee and
.
an organization , or in item 7b formatted as indicated, if assignee is an consignor , or seller and buyer, instead of Debtor and Secured Party,
individual. Complete 7 a or 7b, but not both . Also enter assignee ' s references in this Amendmentshall be deemed likewiseso to refer to the
address in item 7 c. Also enter name of assignor in item 9 . If partial parties. If this is an assignment, enter assignor's name. If this is an
Assignment affects only some (but not all) of the collateral covered by the Amendment authorized by a Debtor that adds collateral or adds a Debtor,
identified financing statement, filer may check appropriate box in item 8 or if this is a Termination authorized by a Debtor , check the box in item 9
and indicate affected collateral in item 8 , and enter the name, properly formatted , of the Debtor authorizing this
Amendment, and, If this Amendment or Termination is to be filed or
5.6, 7.To change the ngme and/or address of a party: Check box in item 5 to recorded in the real estate records, also enter , in item 13 of Amendment
indicate whether this Amendment amends information relating to a Addendum, name of Secured Party of record.
Debtor or a Secured Party; also check box in item 5 to indicate that this
is a name and / or address change; also enter name of affected party 10. This item is optional and is for filer's use only. For filer's convenience of
( current record name, in case of name change ) in items 6 a or 6b as reference , filer may enter in item 10 any identifying information ( e.g . ,
appropriate ; and also give new name ( 7a or 7b) and/ornewaddress ( 7 c ) Secured Party ' s loan number , law firm file number, Debtor’s name or other
In item 7. identification , state In which form is being filed, etc .) that filer may find
useful .
5,6. To delete a party : Check box in item 5 to indicate whether deleting a
Debtor ora Secured Party; also check box in Item 5 to indicate that this
is a deletion of a party; & ndalsoentername ( 6aor 6b ) ofdeletedpartyin
rfem 6.

258
 Instructions for National UCC Financing Statement AMENDMENT Addendum (Form UCC 3 Ad)
11. Enter information exactly as givenIn item 1a on Amendmentform.

12. Enter information exactly as given in item 9 on Amendment form .

13. If space on Amendment form is insufficient or you must provide additional information, enter additional information in item 13.

259
 UCC FINANCING STATEMENT AMENDMENT
OLLOW INSTRUCTIONS (front and back) ; CAREFULLY
A. NAME & PHONE OF CONTACT AT FILER [optional]

.
B. SEND ACKNOWLEDGMENT TO: (Name and Address)

r In care of:
Post Office Box 9999
n
Los Angeles 90010
California
John Henry Doe
L J THE ABOVE SPACE [ $ FOR FILING OFFICE USE ONLY
1a . INITIAL FINANCING STATEMENT FILE # 1b, This FINANCING STATEMENT AMENDMENT i$
2002 059-1234; 0800 HRS; March 1, 2002
* j -I REAL
p i to be filed (for record] (or recorded) in Ihe
ESTATE RECORDS.
2. TERMINATION: Effectiveness of Ihe Financing Statement identified above is terminated with respect to security interests) of the Secured Party authorizing this Termination Statement
3. CONTINUATION: Effectiveness of the Financing Statement identified above with respect to security inlerest (s) of the Secured Party authorizing this Continuation Statement is
continued for the additional period provided by applicable law.

4. i ASSIGNMENT (full or partial): Give name of assignee in item 7a or 7b and address of assignee in item 7c: and al90 give neme of assignor in item 9.
^

^ AMENDMEN PA
^ ^rTlNFORMAUONj^TliisXTiendmenraffBCt^^jDBbto^^^^J^ ^
Also check one of the foBowing three boxes and provide appropriate information in items 6 and/or 7
pi CHANGE name and/or address: Give curmnl record name in item 6 a or 6b; also give new
ecure
.
I
artycfrecor
^^ ^^ni^^^^ ^ ^
h

I DELETE name: Give record name

nhes w boxes

r“l ADD name;

!
.
Complete Hem 7a or 7b and also
to be deleted in item 6 a or 6b. I . J item 7g; also complete items ?d-7g fif .
applicable)

6. CURRENT RECORD INFORMATION:

.
6 a ORGANIZATION'S NAME

OR 6b. INDIVIDUAL'S LAST NAME

FIRST NAME MIDDLE NAME SUFFIX

7. CHANGED (NEW) OR ADDED INFORMATION:

.
7a ORGANIZATION'S NAME

OR
7b. INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME SUFFIX
Doe John Henry
7c. MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY
In care of: Post Office Box 9999 Los Angeles Cal. Near [90010] USA
7d. TAX ID #: S$N OR EIN ADD L fNFO RE 17e. TYPE OF ORGANIZATION
ORGANIZATION
7f JURISDICTION OF O RG ANIZATIO N 7g. ORGANIZATIONAL ID # if any .
DEBTOR |

8 AMENDMENT ( COLLATERAL CHANGE): chuck only EBB box.

rw
Describe collateral | | deleted or Q added, or give entireQrestated collateral description or describe collateral
, assigned

Secured party herewith executes a full assignment of collateral, i.e. all of debtor's assets,
land, and personal property, and all of debtor's interest in said assets, land, and personal
property, now owned and hereafter acquired, now existing and hereafter arising, and
wherever located, described fully in Security Agreement No. BMO-030102-SA dated March 1,
2002, in favor of assignee, new secured party of record, John Henry Doe. Inquiring parties
may consult with debtor directly for ascertaining, in detail, the financial relationship between
debtor and new secured party of record, identified in security agreement referenced above.

9. NAME OF SECURED PARTY OF RECORD AUTHORING THIS AMENDMENT (name of assignor , if this is an Assignment ). If this is an Amendment authorized by a Debtor which
adds collateral or adds the authorizing Debtor, or if this is a Termination authorized by a Debtor , check here PI and enter name of DEBTOR authorizing this Amendment.
9 a . ORGANIZATION'S NAME

OR
.
9b INDIVIDUAL’S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

Osborne Blake Michael

10.OPTIONAL FILER REFERENCE DATA

FILING OFFICE COPY — NATIONAL UCC FINANCING STATEMENT AMENDMENT (FORM UCC3) (REV. 07/ 29/98)
260
UCC FINANCING STATEMENT AMENDMENT ADDENDUM
FOLLOW INSTRUCTIONS ( from and back) CAREFULLY
-
11 INITIAL FINANCING STATEMENT FILE # ( same as item 1a on Amendment farm)
2002-059 -1234; 0800 HRS; March 1 , 2002
12. NAME OF PARTY AUTHORIZING THIS AMENDMENT ( same as item 9 on Amendment form,)
12 a . ORGANIZATION'S NAME

OR
12b . INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME.SUFFIX
Osborne Blake Michael
13 - Use this space for additional information

THE ABOVE SPACE IS FOR FILING OFFICE USE ONLY

FILING OFFICE COPY - NATIONAL UCC FINANCING STATEMENT AMENDMENT ADDENDUM (FORM UCC3Ad) (REV 07/29/98).

261
 UCC FINANCING STATEMENT AMENDMENT
FOLLOW INSTRUCTIONS { front and back) CAREFULLY
A. NAME & PHONE OF CONTACT AT FILER [optional]

B. SEND ACKNOWLEDGMENT TO: (Name and Address)

rrIn care
, of: n
Post Office Box 9999
Los Angeles 90010
California
John Henry Doe
L J THE ABOVE SPACE IS FOR FILING OFFICE USE ONLY
1a. INITIAL FINANCING STATEMENT FILE # Ib, This FINAN CJNG STATEMENT AMENDMENT is
2002-059-1234; 0800 HRS; March 1, 2002 —
r I to be tiled [for record] (or recorded) in the
I I REAL ESTATE RECORDS.
~~ 2. TERMINATION: Effectiveness of the Financing Statement Identified above is terminated with respect to security Interests) of the Secured Party authorizing this Termination Statement.
3. CONTINUATION: Effectiveness of the Financing Statement identified above with respect to security Interest(s) of Ihe Secured Party authorizing this Continuation Statement is
continued tor the additional period provided by applicable law .
4. ASSIGNMENT (full or partial): Give name of assignee in item 7a or 7b and address of assignee in item 7c; and also give name of assignor In item 9.
5. AMENDMENT (PARTY INFORMATION): This Amendment affects | |Debtor
~

g£ [ |Secured Party of record- Check only one of these two boxes

Also check gng of the following three boxes aod provide appropriate information in items 6 and/or 7 .
r-] CHANGE name and/ or address Give current record name in item 6a or 6b; also give new
L jamehNjam hanae iulenW
(“IDELETE name: Gfve record name
J to be deleted in item 6a or 6b.
rn ADD name: .i
Complete item 7a or 7b and also
^
i

^ RECORD
6. CURRENT ^ ^^^
^ INFORMATION: ^ ^ ^^ ^
6a. ORGANIZATION'S NAME
nd/ o Tev ddres i ddres ianoeWuterT
^^ ^^
^ ^^ ^ ^ ^ ^jetejtem^ ^^^ggjigble^
ileit c ls orr d

OR 6b. INDIVIDUALS LAST NAME

FIRST NAME MIDDLE NAME SUFFIX

7, CHANGED ( NEW) OR ADDED INFORMATION:

7a . ORGANIZATION'S NAME

OR
7b. INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

7c. MAILING AODRESS CITY STATE POSTAL CODE COUNTRY

7d, TAX ID #: SSN OR EIN ADD'L INFO RE 17e. TYPE OF ORGANIZATION 7 f. JURISDICTION OF ORGANIZATION 7g. ORGANIZATIONAL ID if any
ORGANIZATION *
DEBTOR I
8. AMENDMENT ( COLLATERAL CHANGE) : check only ana box.
0 NONE

Q deleted or |~] added . [

Describe collateral

All of debtor’s assets, land, and

, or give entire

^
restated collateral description or describe collateral

personal property, and all of debtor's interest in said assets

, land,
.
assigned

and personal property, now owned and hereafter acquired, now existing and hereafter arising,
and wherever located, described fully in Security Agreement No. JHD-031002-SA dated the
Tenth Day of the Third Month in the Year of Our Lord Two Thousand Two, in favor of assignee,
new secured party of record, John Henry Doe. Inquiring parties may consult with debtor directly
for ascertaining, in detail, financial relationship between debtor and new secured party of record,
identified in security agreement referenced above. Adjustment of this filing is in accord with UCC

9. NAME OF SECURED PARTY OF RECORD AUTHORIZING THIS AMENDMENT (name of assignor, if this is an Assignment ). If this is an Amendment authorized by a Debtor which
adds collateral or adds the authorizing Debtor, or if this Is a Termination authorized by a Debtor, check here I j end enter name of DEBTOR authorizing this Amendment .
.
9a ORGANIZATION'S NAME

OR
.
9b INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

DOE JOHN HENRY

10.OPTIONAL FILER REFERENCE DATA

FILING OFFICE COPY — NATIONAL UCC FINANCING STATEMENT AMENDMENT (FORM UCC3) (REV. 07/29/98)
*

262
UCC FINANCING STATEMENT AMENDMENT ADDENDUM
FOLLOW INSTRUCTIONS ( front and back) CAREFULLY
11. INITIAL FINANCING STATEMENT FILE # {same as item 1 a on Amendment form)
2002-059 -1234; 0800 HRS; March 1, 2002
12. NAME OF PARTY AUTHORIZING THIS AMENDMENT {same as item 9 on Amendment form)
12a. ORGANIZATION'S NAME

OR
12 b . INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME.SUFFIX

DOE JOHN HENRY

13. Use this space lor additional information

THE ABOVE SPACE IS FOR FILING OFFICE USE ONLY

§§ 1- 103, 1- 104, and House Joint Resolution 192 of June 5, 1933. Secured Party accepts
Debtor’s signature in accord with UCC §§ 1-201(39), 3-401.

FILING OFFICE COPY — NATIONAL UCC FINANCING STATEMENT AMENDMENT ADDENDUM ( FORM UCC3 Ad) (REV. 07/ 29/ 9 B)

263
 Section 10

Handling Presentments
Instructions

\
 Handling Presentments
Instructions
I. Introduction.

A. Understanding presentments. The dictionary definition of presentment concerns both

criminal matters and financial matters, and the descriptive terms within the definition
of each type are interchangeable. A presentment is either a demand for acceptance
or a demand for payment , and is defined as follows:

• “A formal written accusation returned by a grand jury on its own initiative, without a
prosecutor’s previous indictment request.
“A grand jury has only two functions, either to indict or to return a ‘ no bill.’ The
Constitution speaks also of a ‘ presentment, ’ but this is a term with a distinct
historical meaning now not well understood. Historically presentment was the
process by which a grand jury initiated an independent investigation and asked
that a charge be drawn to cover the facts should they constitute a crime. With
United States attorneys now always available to advise grand juries, proceeding
by presentment is now an outmoded practice. Charles Alan Wright, Federal
Practice and Procedure § 110 , at 459 (3rd ed . 1999).” Black’s 7lh. (Bold
emphasis added)

• “The formal production of a negotiable instrument for acceptance or payment.

“Presentment and dishonor occur , for instance, when the holder of a check
attempts to cash it at the drawee1 bank but payment is refused because the drawer
lacks sufficient funds on deposit. The demand for payment is the presentment .
The bank’s refusal to pay is dishonor. James J. White & Robert S. Summers,
Uniform Commercial Code, § 16-8, at 100 (4th ed. 1995).“ Black’s 7th. (Bold
emphasis added)

• “Presentment is a demand for acceptance or payment made upon the maker,

acceptor, drawee or other payor by or on behalf of the holder. U.C.C. § 3-504(1).
Black’ s 6th . (Bold emphasis added)

In criminal matters, a bill , i.e. charges (like financial charges), in the form of a formal
written accusation of a crime called an indictment (presentment), is presented to a
court (by the prosecutor) for prosecution. A true bill is a list of charges that is sworn
“true, correct, and complete" ( affidavit). Based on the sworn charges of the grand
jury , the prosecutor is indemnified for whatever action he takes based thereon. The
prosecutor then draws up his own presentment, called a criminal complaint , based
on the indictment (true bill) and demands that the named party accept responsibility
for the charges.

Drawee: One to whom a bill of exchange or a check directs a request to pay a certain sum of money specified
therein . In the typical checking account situation , the bank is the drawee, the person writing the check is the maker
or drawer, and the person to whom the check is written is the payee. Barron ' s Law Dictionary, Third Edition, 1991.

Page 1 of 21 Handling Presentments - Instructions

266
 Because of the U.S . bankruptcy and the institutionalization of fiat (by decree) money
called Federal Reserve Notes , “FRNs,” there have been commensurate changes in
the realm of jurisprudence . American tribunals are now “Federal-Reserve- Note
tribunals, ” dealing exclusively in FRNs and enforcing the private, copyrighted,
corporate policy of the owners of the FRNs, known as “ Code" (all U.S. code/ law is
copyrighted by British corporations—see Footnote 13 at the bottom of page 41 for
details).

Notice in the quoted case under the first definition above that because of the
influence of United States attorneys, “proceeding by presentment [ of the grand jury]
is now an outmoded practice.” We now operate in “summary proceeding” in the vast
majority of legal undertakings in America, traffic court being the most common:

“Summary proceeding. Any proceeding by which a controversy is settled, case

disposed of, or trial conducted, in a prompt and simple manner, without the aid of a
jury, without presentment of indictment , or in other aspects out of the regular course
of the common law. Black’s 1st.

A “demand for acceptance" is a demand for acceptance of responsibility (for

payment , or for performance of some act, and may also entail payment of some kind
at a later date). A traffic ticket is a combination criminal/commercial instrument . The
traffic cop makes a demand and the motorist makes a promise . Traffic tickets are
negotiable instruments , and negotiable instruments consist strictly of orders to pay
and promises to pay. The cop issues an order for acceptance (of responsibility to
pay) against the credit of the TRADE NAME, and the motorist signs a promise to
(accept responsibility for the charge, and) appear (and, if necessary, pay the ticket ) .
If the motorist fails to accept responsibility for the ultimate payment of the ticket at
any point in the process, he is arrested and jailed. When anyone in government
demands that you accept responsibility to perform some act, he is issuing a
presentment , concerning which there are monetary charges associated with a failure
to perform. Presentments come in oral, written, and electronic form ; acceptance of
any presentment executes a contract .

In the private sector , presentments usually come from attorneys, but since all
2
attorneys are officers of the state, we are faced with essentially the same situation.
Courts could not function without attorneys, who are endowed with a special
“property right " ( right to practice law), granted a title of nobility (esquire) via letters
patent,3 and elevated above “common men” (fees enforced by judicial decree , win or
lose) .

In order to issue a presentment , a prospective issuer must have an account , where a

charge can be lodged. For example, if police cannot determine the TRADE NAME
of a detainee (held for questioning) within a brief period of time they must release
him . The TRADE NAME is the account name under which a sovereign conducts

2
An attorney is an officer of the court, and as such , an officer and arm of the state /’ 7 Corpus Juris Secundum 4,
a

Virgin Islands Bar Association v. Pencil, D .C. Virgin Islands, 124 F , Supp . 257.
3
“ Letters patent, an open document under seal of the government, granting some special right, authority, privilege,
or property , or conferring some title...” A Standard Diction ary of the English Language, Funk & Wagnalls
Company, 1903.
Handling Presentments - Instructions Page 2 of 21
267
 —
business; albeit unwittingly . The TRADE NAME, as well as the true name
comprises property 4 Registration of your TRADE NAME ( via birth, etc.) constitutes
the voluntary surrender of custody of the property (name) and establishment of an
account. When a government actor says, “May I have your name , please ?” he is
literally asking you to turn over your property , the TRADE NAME , for him to use
however he pleases, and to charge the account.5 The flesh- and -blood man, as
surety for the party in whose name the account appears, is held accountable for any
charges leveled against the TRADE NAME.

The reason the criminal and financial charges seem to run together , overlap, and
mirror the other is that they are both commercial6 in nature. This is the admiralty
jurisdiction mentioned in Part 1 (Theory) of this manual. In admiralty , the military (in
its many forms) is used to enforce criminal penalties for civil offenses. The
moneychanger-merchants have foreclosed on the U.S . Government and use it
liberally to prosecute their own private commercial interests. We are under military
rule, literally by the commander-in-chief of the military, not the president .7

A primary reason for the broad appeal and workability of the common law is that
each man is in control of his own destiny in the social scheme: as long as he does
—
not harm another and thereby form a contract with an obligation—he is free to live
his life as he sees fit , without interference from government. These days, however,
people are penalized for an act even when no one is harmed and no property is
damaged, e.g. traveling at 35 miles per hour in a 30-miles-per-hour zone. The
police power is thereby employed for penalizing behavior (such as “thought
—
crimes" ) not acts and deeds of substance—for the purpose of raising revenue.

When someone violates his own sense of moral rightness in his conduct as a
member of society , no matter how justified, he is weakened under the police power
of the state. For this reason, it is a good idea to reassess your life as you embark on
this stage of the journey and begin using and relying on the power of the documents
—
and processes offered in herein—which is formidable and make sure that you are
giving yourself the best chance for a worry-free existence. Betraying your own
sense of fair play is the quickest way to undermine all progress . In the end , it is your
own sense of decency , ethical behavior , and interaction with others that determines
your fate . Just by trying to do the right thing on a moment-to-moment basis brings
about clarity of perception not otherwise available, and can easily turn out to be your
saving grace in a time of need.

These documents are all based on the power of the common law , private property
rights, and consensual contracts, and are enormously successful in crushing
assaults on your fiscal integrity. Their efficacy has been acknowledged at both the

4
Because of the disappearance of substance money—where each man is accountable and there is no private “ limited
—
liability” we now have a mutant financial system that runs strictly on accounting principles, because all “money”
is artificial (no substance/ reality, as with gold) and debt can no longer be extinguished , but merely “ discharged ”
5
See “ Letter for State Registrar re Birth Certificate ” in Appendix for one approach to thwart governmental
monopolization of the use of your name, both true name and TRADE NAME, in forming accounts.
6
See “ Crime is Commerce,” 27 CFR 721.11 , in Appendix.
7
See subsection entitled “ Co-Suretyship Obligations Incurred Via Acceptance of Free Delivery of Mail” in Section
-
3, “The Curse of Co Suretyship ”
Page 3 of 21 -
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 lowest and very highest levels of government in this country. They have changed
the course of every proceeding in which they were introduced, including criminal
cases where the accused was already convicted. That is because the common law
still exists and is in full force—it has just been covered over. People have been so
badly hoodwinked that many do not even believe there is hope of reversing the
oppressive, all-engulfing practices of the system. There is hope. It lies in the
common law and in your ability to maintain in the face of the mendacious8 bent of
Big Brother’s operatives.

B . Scope of presentment-handling documents contained herein. What has taken many

thousands of dedicated collaborators over thousands of years to put into position will
—
not be fully unraveled in a few hundred pages of exposition nor do we pretend to
be able to fully accomplish such a feat . We do, however, get results, and
consistently, because our approach is based on the timeless principles of human
dignity and interaction as embodied, primarily , in the common law. The Chosen
Masters are not pleased that their wealth-confiscation and freedom-usurpation
machinery can be rendered ineffective, and even more upset that their own device
(the UCC) can be used to victimize them . Even when you are completely right , a
presenter will sometimes go down kicking and screaming all the way, abusing their
influence over the utterly corrupt judicial system and its army of charlatan-whore
esquires to challenge every shred of knowledge about what you are doing. Because
those actors are inherently dishonest , they have weaknesses that can be exploited.
The documents as offered herein have paved the way for stopping all collection
activity effecting strict (non-judicial) foreclosure against those who would happily
swindle you out of everything you own. However , this manual does not pretend to
be able to guide someone through the legal minefields that can arise when one goes
to foreclose, but we do have people who can assist when it comes time for finishing
off the job. It's one thing to be able to stop a collection proceeding; it is quite
another to foreclose on the erstwhile “forecloser ,” but it can be done. Instructions for
such enterprise are not included herein, however; please contact the publisher for a
referral on these matters.

C. A note on pressure situations and criminal cases. The material set forth herein is
private in nature . There is no attempt to give legal advice of any kind in civil and
criminal matters because we are not licensed to practice law. This material may be
applied, however, in any circumstance where your private, common-law-copyrighted
property is being used for commercial gain without your authorization. You are the
only one who can decide what should be done. If you are faced with a pressure
situation, a demand for a signature, or even a criminal charge, you can still take
action in the non-statutory (non-judicial) realm against the individual players coming
against you, by using the private, contractual, consensual measures set forth in the
items at the end of this Section, beginning on page 18 of these instructions, under
part VII, "Protecting Oneself in Pressure Situations and Criminal Proceedings.” One
essay in particular, “How to Sign Your Signature Without Liability , ” proves utterly the
correctness of what we are doing in this manual.

Mendacious: Addicted to lying; characterized by deceit; false.

Handling Presentments - Instructions Page 4 of 21

269
 II- Creating Your Response Documents for Handling Presentments.

A. Demands for acceptance. Such presentments are generally from government

agents and officers, but can also come from attorneys and individuals (“citizen of the
United States” TRADE NAMES) , and basically constitute unauthorized use of your
common-law-copyrighted property. Regardless of the fact that there may be
potential criminal penalties and fines associated with the presentment if from a
government actor , you have the unalienable common-law right to demand and
obtain compensation for the (unauthorized) use of your property as set forth in your
published copyright notice. This is strictly a private matter between you and any
party who is using your property for financial gain without your authorization.

.
1. “Notice by Written Communication/Security Agreement” Entitled in non-judicial
terms so as to align with tenets of the Uniform Commercial Code, the “Notice by
Written Communication/Security Agreement ,” hereinafter "Notice by Written
Communication,” is recommended for handling non-pecuniary9 presentments, i e ..
demands for acceptance. The document is: self-explanatory ; contains no
judicial/statutory jargon; consists of everyday, common-law language; is written
with a mind toward augmenting the non-judicial foreclosure process of the UCC
once the debtor defaults on payment after being invoiced for charges (in the form
of a “Verified Statement of Account,” the private equivalent of a grand jury's true
bilf ) . It is used against those who issue presentments demanding acceptance (of
responsibility for payment at a later date, or for specific performance).

2. Converting sample document . As with all other documents in this manual, there
is no other way to generate your personal Notice by Written Communication on
your own other than by going through the sample document word-by-word,
learning as you go, and replacing John Henry Doe’ s information with yours.

3. Mode of sending. We use Registered Mail, sent “Restricted Delivery," “Return

Receipt Requested” (Green Card), with an affidavit of service exclusively -but, —
as always, final choice rests with you. A certified copy of your newspaper filed -
common-law copyright of TRADE NAME® and True Name® is always included
with the Notice by Written Communication, as well as the other document (used
with demands for payment) , which is discussed further below .

4. Important: Optional text in two segments. There are two versions of “Procedure
for Opting Out of Consensual Contract" on page 2, and a subsequent segment,
entitled “Self-executing Security Agreement.” You will need to choose between
the two options each time a presentment comes your way. Basically , the first
one gives the unauthorized user a quick and easy way out, with no muss and no
fuss , thus ending the confrontation. The second is far more stringent and really
puts the unauthorized user in a pickle, and it is doubtful if he/she will get out of it.
Note: You are not prohibited from adjusting this paragraph however you see fit ,
but if you make changes you should be absolutely certain that they do not
contain any statutory/ judicial language, and that the parameters that you set are
within the UCC for non-judicial foreclosure (also known as strict foreclosure ).

9
Pecuniary: Of or relating to money.

Page 5 of 21 Handling Presentments - Instructions

270
 (a) Simple opt-out procedure (with subsequent “Self-executing” paragraph). The
obligation for payment is no less binding than when a customer looks at the
menu, places an order , and then consumes the meal that is served.
“Procedure for Opting Out of Consensual Contract
“JACK JONES‘S unauthorized use, i.e. counterfeiting, of Secured Party’s common-
law trade-name/trademark and copyright, consensually contractually binds JACK
JONES with Secured Party, as of JACK JONES S initial unauthorized use of
4

Secured Party ’ s common-law trade-name/trademark and copyright, in respect of fair

compensation due Secured Party for use of Secured Party’s private property. JACK
JONES can opt out and withdraw from JACK JONES'S consensual contract with
Secured Party and retain no obligation associated therewith only by immediate
- -
cessation of any and all further unauthorized use of Secured Party’s common law
copyrighted property.
“Self-executing Security Agreement
“By the act of any single instance of unauthorized use of Secured Party’s
common-law-copyrighted property by JACK JONES following JACK JONES'S
receipt of this Notice by Written Communication, JACK JONES, hereinafter
“User” only in this “Self-executing Security Agreement”-section , accepts the
obligation of this consensual contract , this Notice by Written Communication
concomitantly becomes a security agreement, hereinafter “Security Agreement,”
wherein User is Debtor and John Henry Doe ® is Secured Party, and User:”
(b) Difficult opt-out procedure (with subsequent "Self-executing” paragraph). The
time period referenced within this segment is the 72-hour, Regulation-Z,
Federal-Truth-in-Lending-Act period that is initiated when someone voluntarily
incurs an obligation. The party has 72 hours from midnight of the day after
execution of the transaction to back out of the deal (see Truth in Lending
Act in Glossary for the Act in pertinent part):
“Procedure for Opting Out of Consensual Contract

“JACK JONES'S unauthorized use, i .e. counterfeiting, of Secured Party’s

common-law trade-name/trademark and copyright consensually contractually
binds JACK JONES with Secured Party, as of JACK JONES'S initial
unauthorized use of Secured Party’s private property, in respect of fair
compensation due Secured Party for use of Secured Party’s private property .
JACK JONES can opt out and withdraw from JACK JONES'S consensual
contract with Secured Party and retain no obligation associated therewith only by
JACK JONES' S delivery, at the hereinabove designated mailing location for
Secured Party no later than 12:01 A.M. of the of the fifth (5th) day following
JACK JONES'S receipt of this Notice by Written Communication, of any and all
original instruments, documents, and records in any form of recorded media
whatsoever, as well as any and all copies of all such originals in any form of
recorded media whatsoever, containing both the signature of JACK JONES and
any counterfeit version of either of: (1) Secured Party’s private, common-law -
-
copyrighted trade name/trademark, i.e. JOHN HENRY DOEc; (2) Secured
- -
Party’s private, autograph common-law copyrighted property, i .e. “John Henry
Doe®.
Handling Presentments - Instructions Page 6 of 21
271
 -
“Self executing Security Agreement
“Absent JACK JONES ’S surrender of all original instruments, documents, and
records in any form of recorded media, as well as all copies of any such original,
containing both JACK JONES ’S signature and any version of any of Secured
- -
Party ’s common law copyrighted property , as set forth above under “ Procedure
for Opting Out of Consensual Contract,” JACK JONES, hereinafter “User” only
-
in this “Self-executing Security Agreemenf ’ section, accepts the obligation of this
consensual contract at 12:01 A. M. of the of the fifth (5th) day following User’s
receipt of this Notice by Written Communication, this Notice by Written
Communication concomitantly becomes a security agreement, hereinafter
“Security Agreement,” wherein User is Debtor and John Henry Doe® is Secured
Party, and User :”

B. Validation of debt package: "Respondent ’s Private , International, Administrative

Remedy Demand”. Presentments demanding payment are the most common
because the current financial system is expressly designed to generate defaults,
foreclosures, and bankruptcies . "Civilization” is on a conveyor belt to Hell, courtesy
of the instigator-owners of the duplicitous banking system of America and Earth.
Using government agents called “attorneys at law,” people are sitting ducks against
the might of the state as concentrated in the judge - attorney Brotherhood. There are
a few Achilles’ heels, however, and "Respondent’s Private, International,
Administrative Remedy Demand, ” hereinafter “Administrative Remedy Demand,”
exploits one of them.

1. Loans of credit . Credit-lenders flourish only because of interest payments: the

“borrower" is always the source of the principal amount of any a leged loan by
virtue of his “promise to pay” (promissory note, credit application), which
generates a negotiable instrument, i.e. “money,” per UCC 3-104, which the
credit-lender then converts into another form (bank draft , cashier’s check)—in
accordance with Federal Reserve “lending” policies—and reissues, calling it the
"loan. ” This is strictly an accounting procedure: the bank loans nothing of
substance, indeed is forbidden to loan the bank ' s assets by banking regulations.
This can all be verified with any CPA .

Credit - lenders do not profit from the principal loan amount , only the interest. This
is why on many loans, and in all mortgage contracts, the "borrower” makes
payments on interest-charges only for the first many years. This is all gravy for
credit-lenders. 10 The principal amount never comes into play for the financial
institution because that sum is always the property of the "borrower," and
remains so till the end of the cycle, whether the so-called “loan” is ever paid off or
not. “Loans” that end in default are simply charged off, i.e. discharged by
—
bookkeeping entry, with no loss incurred by the bank which is the precise
reason that the techniques delineated in this Section are effective in nullifying
loans of credit from banks: the bank has no valid risk in the loan transaction, and
therefore no valid claim. Banks, mortgage companies, and credit card
l®
On a limited basis , bankers generally make more money during holidays when the bank is closed than when the
bank is open for business because there is much less overhead, and interest charges continue accumulating seven
days a week .
Page 7 o f 21 Handling Presentments - Instructions
272
 companies lend only credit : from the Latin credere : believe, trust. Credit-lenders
believe in you and trust that you will make all interest payments as you have
been rightfully suckered into. The entire American financial system, engineered
and developed into its current state over the last 2,000+ years by the Chosen
Masters, 11 is an exercise in deceit and treachery of incomprehensible magnitude,
predicated on the willful and wanton wholesale destruction of the life of one and
all and the peace and dignity of mankind based on the worship of money (wealth,
mammon) and a psychotic impulse to subjugate and dominate the existence of
all others.

2. Fair Debt Collection Practices Act. Per this Act, as codified at 15 USC §1692 et
.
seq ,12 and as abundantly pointed out within Administrative Remedy Demand, a
debt collector must, if requested, provide a verification of the alleged debt, i.e.
validate the debt. Per the Fair Debt Collection Practices Act , “FDCPA,” the debt
collector is mandated to cease all collection activity until verification is provided.

(a) VerificationA/alidation. Verification is defined as:

“Confirmation of correctness, truth, or authenticity, by affidavit, oath, or

deposition . Affidavit of truth of matter stated and object of verification is to
assure good faith in averments or statements of party.” Black’s Law Dictionary,
Sixth Edition, 1990.

What this means is, the debt collector must swear "true, correct, and complete”
(equivalent of “the truth, the whole truth , and nothing but the truth,” i.e. testimony)
that verifies exchange of valuable consideration that allows him to demand
repayment. As cited above, banks do not loan substance, only credit (air). No
bank attorney and no banker can verify a loan of substance; hence they are
foreclosed from issuing an affidavit of any relevance. The system is fraudulent
by nature; it cannot be made legitimate by a false affidavit. The truth is, the only
one who can validate a debt is the borrower . This is why IRS prosecutes for
Failure to File an Income Tax Return: a sworn Form 1040 is a validation of the
debt. IRS is a debt-collection agency. IRS cannot verify/validate any debt unless
IRS has a sworn statement from the taxpayer validating the debt.

3. Other avenues of attack. As well as the impossibility of providing a bona fide

verification of the debt, debt collectors are hit with other constraints besides
FDCPA :
(a) Privacy Act of 1974, as lawfully amended, 12 U.S.C. § 3401;

(b) Right To Financial Privacy Act of 1978, as lawfully amended, 5 U.S.C. §

552 a ; and

(c) Third Party Summons Act, special procedures, 26 U.S.C. § 7609.

11
See Section 2, “The Truth About Esquires, ” beginning at the segment entitled “An Indispensable Tool of the
Chosen Masters” on page 16 of the essay, through ‘'Masters of Commerce and Law,” ending on page 23 .
n Et seq. : An abbreviation for et sequentia, "and the following.” Thus a reference to “p. 1 , et seq . ” means “page
first and the following pages ” Black's 1*
Handling Presentments - Instructions Page 8 of 21
273
 4. Line-up of component documents within the Administrative Remedy Demand.
The package is a combination of documents of many avenues of attack, any one
of which is sufficient to stop the entire proceeding;

(a) Internal “Notice by Written Communication/Security Agreement”. Same Notice

by Written Communication used with demands for acceptance, except that:

(i) It is specially enclosed in its own box within the Administrative Remedy
Demand, and therefore legally separate from the main document; and

(ii) Secured party is the author , not the debtor TRADE NAME, as with the
other documents, recipient incurs a $500,000.00 unauthorized-use fee for
each and every subsequent use of the name after having been noticed
(enough encouragement to cease all further communication in itself); and

(iii) The Privacy Act Notice further restricts options for the debt collector.

(b) Notice of Tender of Payment. Gives official notice that payment has been
tendered. See (d)(ii) immediately below for customizing certain data.

(c) Sworn Offer of Performance . Tells debt collector that if debt collector can
prove that the debt exists, i.e. verify/validate the debt, debt collector may
retain the accompanying payment submitted in the form of a Certified
Promissory Note (bona fide negotiable instrument, per UCC 3-104). See
4(d)(ii) immediately below for customizing certain data within this document.

(d) Certified Promissory Note . Fulfills the legal definition of a negotiable

instrument per UCC 3-104 and discharges any alleged debt, if said alleged
debt is verified/ validated (which it is not). This is merely a “promise to pay”
and not a sight draft, forged document, bogus instrument, etc.
(i) If possible, use “certificate paper” to print up the Note; and

(ii) Find debt collector’s internal data appearing on the presentment and plug
these data into the Note. Examples are “Alleged Market Code,” “Alleged
‘Our File No.,’” “Alleged FHA Case,” “Alleged Loan No.,” etc. In other
words, customize the Promissory Note, and the other documents within
the package that mention same ( i.e. 4(b) and 4(c) immediately above,
Notice of Tender of Payment and Sworn Offer of Performance,
respectively), using the data contained within the presentment .
(e) Sworn and witnessed Verification of Tender of Payment. Proof of tender of
payment. Under public policy (House Joint Resolution 192 of June 5, 1933),
13
a debt is discharged upon tender of payment, even if it is not accepted.

(0 Debt Collector Disclosure Statement. Contains numerous lawful requests for

information, all of which debt collector is obligated to provide, any one of
which can invalidate debt collector’s attempt to collect his bogus claim.

15
For expose on “money” and discharge of debt , see House Joint Resolution 192 of June 5, 1933 in Glossary .

Page 9 of 21 Handling Presentments - Instructions

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III. Selecting the Correct Party to Receive Your Written Communication.
1. Re computer printouts. We do not recommend corresponding with computers,
but it is important to respond. If you get a computer-generated presentment, call
up the sender organization, feign a cooperative attitude, and find someone who
will either admit that he/she sent you the computer print-out, or will issue another
with his/her name on it. If you have no name, use the senior executive of the
organization. Hopefully you will not see many of these.

2. Notice by Written Communication/Security Agreement. It is recommended that

you send out at least two (2) of these 4 when you receive a presentment
demanding acceptance (of responsibility for payment at a later date, or
responsibility for specific performance):

(a) One for the agent (unauthorized user) who put his/her name/signature (same
thing per UCC 3-401) on the presentment; and

(b) One for the agent’s principal, the employing organization (law firm,
government agency, bank, etc . ). This puts them on notice that any additional
use of your private property by any of their agents automatically executes the
consensual contract (and obligates them for each use from the beginning).

3. “Validation of Debt’ package; the Administrative Remedy Demand Used when

1
.
someone is demanding payment of you for a loan of credit, or an unsubstantiated
debt of some type, such as payment of taxes (as long as you have not already
inadvertently validated the debt by swearing that you owe it).

(a) Proper usage. This package will not work when a creditor has given you
substance in exchange for your promise to pay; only credit. An example of
this is buying a used car from a dealer who does not use an outside creditor,
but carries the paper himself. He can validate the debt because he
personally gave you substance. If the same dealer were to obtain financing
for you from a credit lender and the credit lender attempted strict foreclosure,
—
it would eventually lose because the “lender" incurred no risk of loss in the
transaction; only the “loss” of anticipated gain (invalid claim).

(i) Important note on auto loans. Auto loans are issued with the proviso that
the “lender" can take the car (strict foreclosure) if you fail to make
payments as agreed. However, if they cannot find the car, they have no
way to enforce this clause (they can only sue for the balance, plus costs
and attorney fees) . For this reason it is a good idea to keep the car safely
tucked away in an entirely different location until the matter is concluded
because they will swipe the car if given half a chance , thus forcing you to
—
go through their tag-team partners down at the local courthouse if you
want to get the car back without forking over Federal Reserve Notes.

(b) You are current on your payments, but want to terminate the loan anyway. In
this circumstance you can call in and ask for a “payoff balance.” Written
14
For IRS, send three: Charles O. Rossotti (Commissioner), General Counsel, and agent .
Handling Presentments - Instructions Page 10 of 21
275
 notification of a payoff balance does not constitute a presentment (not a
demand), but can be used to ascertain correct dollar-figure. Request a payoff
balance that is good until a certain date (2 - 3 weeks from date requested).
Inform agent that you need the balance in writing (not verbally), and you need
someone to verify the figure because you do not want them coming back
afterwards and saying, “Oh, there is this other charge we forgot to mention,”
etc . Just tell them you need written verification by a responsible party that the
payoff balance is accurate. They should have no problem complying.

(i) Correct recipient for sending in payoff balance, Even though you have a
verified payoff balance, it is very likely that the sender will be unfamiliar
with the Certified Promissory Note. However, there is another officer that
is well acquainted with the significance of such: head of the collection
department . For this reason, it is not a bad idea to send your package to
head of collection department. Since payoff balance is not a presentment,
re-word mentions of “presentment” to “written communication.”

(c) Behind on payments; threats of foreclosure. Even in extreme circumstances,

credit-lenders like to refrain from sending out actual presentments. They
especially like to withhold the name of the agent sending the correspondence,
instead using the name of the principal (the name of organization, a
generality), a department within it, etc . , instead of that of the flesh-and-blood
man/woman. The purpose is to get you into the eleventh hour and then bring
in a government agent, i. e. an attorney, to finish you off (see Section 2, “The
Truth About Esquires, " segment entitled “The Fox Guards the Henhouse” for
proof of an attorney’s “government agent” status). Use the first presentment
you can get your hands on and request that they validate the debt. All
collection activity must cease—at least according to the Fair Debt Collection
Practices Act—until said validation is provided. However, shyster judges and
attorneys do not like being told that they can no longer pillage and plunder as
they have been doing for their entire career, and may try other tactics to get
you to trip up. Keep putting their nose back into the validation.

(d) Courts and attorneys that ignore the FDCPA requirement to validate. This
issue cannot be addressed in this manual because neither we, nor the
publisher, are licensed to practice law and, accordingly, do not give out legal
advice. However, if you run into a particularly sticky situation, the publisher
may be able to recommend a consultant that can assist you.

IV. Preparing Your Package for Transmittal.

A . Copyright notations. Please always consult sample filings for proper display of
copyright notations for both True Name® and TRADE NAME®. Each time either
name appears within your documents it should be qualified with one of the following:
1. Superscripted copyright symbol. Symbol, i.e. “®," is touching the last letter of the
surname for both True Name® and TRADE NAME®. If a name does not have the
superscripted copyright symbol attached, it should be in quotation marks; or

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 2. Quotation marks. True Name® and TRADE NAME® should be set in quotation
marks when the superscripted copyright symbol is not used;

B. Signatures. Closely follow sample documents when applying a signature. Vital note
re all signatures: See “How to Sign Your Signature Without Liability’’ in this Section.

1. . More closely approximates who you are than TRADE NAME;

always sign in red ink (symbolizing the blood of a living, breathing man/woman).

2. TRADE NAME®. TRADE NAME® should always be printed in capital letters,

preferably in blue ink for ease of identifying the original document (black ink can
sometimes be indistinguishable from a photocopy without close examination).

3. Witnesses. Have your witnesses sign their normal, cursive (longhand) signature
in blue ink, where needed. Not necessary for them to have a copyright symbol
with their signature, but nothing prohibiting it either.
D. Attachments. The sample documents indicate which other documents get attached.
Basically it goes like this:

1. Five-page, stand- alone Notice by Written Communication/Security Agreement:

(i) Presentment containing unauthorized use of your name.

2. Notice by Written Communication/Security Agreement included within the 14-

page Validation-of-Debt package. Attach both of the following:

(i) Either the presentment , or the document containing the payoff balance
(modified to replace the term “Presentment” with “written communication” (do
not capitalize the initial letters; use all lower-case letters)); and

(ii) Certified copy of UCC Financing Statement (“Copy Certification by Document

Custodian” of the original certified copy from the UCC filing office; retain the
UCC-filing-office-certified copy , and attach the new notary-certified copy).

E. Debtor name and address notation at top of page. Place debtor’s TRADE NAME,
military style, at top of page (requirement for inclusion as attachment in a filing).

F. Certified copy of affidavit of publishing of Copyright Notice from newspaper. Using

the “Copy Certification by Document Custodian” form, make a certified copy of the
newspaper affidavit of publishing for each envelope that you mail. Retain your
original affidavit of publishing.

.
G. Photocopy entire final stack of signed documents before sending Once you have
fully assembled the entire package, make a photocopy of everything, staple both
sets, place the original in the envelope for mailing , and the copy in your records.

F. Registered Mail envelope and mailing. Best procedure for using Registered Mail is
described in the instructions appearing at the top of sample Registered Mail receipt
in this Section. Please read these instructions before sending Registered Mail.

Handling Presentments - Instructions Page 12 of 21

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 (a) Return Receipt Requested. Provides a signature and date of receipt of package
by recipient. Proof that the package was received.

(b) Restricted Delivery. Check this box and pay the extra fee. More evidence of full
disclosure on your part.
(c) Affidavit of Mailing. Proof of the contents of the envelope; an indispensable
component in the process of proving your position and effecting foreclosure on
any unauthorized user. Always have someone do an affidavit of mailing in these
matters. Proof that recipient actually received the package is then uncontestable.
Mail the original , retain a photocopy of the original for your records.

V . How to Deal With Former Creditors After Paving by Promissory Note.

A. Typical responses. There are a couple of typical responses that former creditors will
give upon receiving a certified promissory note (within the 14-page Administrative
Remedy Demand) :

1. Congratulatory letter for paying off the loan; and

2 . Urgent phone calls, phone messages, or correspondence asserting, demanding,

or pleading that you call them and speak with them immediately.

B. Former obligation is discharged. People can be tricked and conned into unwittingly
re-accepting the obligation if they discuss anything with the creditor once the
promissory note has been tendered. The debt is discharged upon tender of the
instrument; it matters not it is accepted or rejected (UCC 3-603). Typically, the
former creditor will seek a telephone conversation with the former debtor to try to
convince him/her that the debt must be paid in Federal Reserve Notes “FRNs.” Per
public policy at House Joint Resolution 192 of June 5, 1933, nobody has any
obligation for paying in FRNs. The promissory note is a negotiable instrument
(money) constructed in strict accordance with the UCC (§ 3-104), and legally
discharges the debt . Once tendered , the debt is discharged. Period.

C . Vital information. There is no good that can come from discussing the former debt
with the former creditor afterpayment has been tendered.

D. Handling phone calls from former creditors.

1. Sample telephone conversation.

Former creditor: Is this JOHN DOE?

John Henry Doe: Who ' s calling?
Former creditor: This is JACK from Bank of Texas. Is this JOHN DOE?
John Henry Doe: What ’s the purpose of the call?
Former creditor: 1 need to speak with JOHN DOE about a payment we recently
received on his...

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 John Henry Doe: I don 't do business over the phone, JACK. If you could put your
questions in writing and send me a letter 1 would be happy to take
a look at it.
Former creditor: I just want to go over a couple of thingsf «

John Henry Doe: Like I said, I don' t do business over the phone. If you will kindly
put your questions in writing I will have a look at them.
Former creditor: I understand, MR. DOE, bid this will only take a few minutes, if I
couldjust ask you ...
John Henry Doe : I’m being as clear as I can, JACK. I only deal with such matters
in writing.
Former creditor: You ve made that very clear to me MR. DOE, but the thing is your
last payment on the ...
John Henry Doe: What is your surname name, JACK?
Former creditor: I don’t give out my last name .
John Henry Doe : Sorry, JACK, but if you 're not willing to tell me who you are I am
not willing to continue this conversation. I ’m hanging up now,
JACK
Former creditor: Wait, MR. DOE! Why do you need my last name?
John Henry Doe: -
Good bye, JACK.
Former creditor: Wait! Wait! OK, my last name is “ JONES.”
John Henry Doe : Home address?
Former creditor : “ Home address”? Why do you need my home address?
John Henry Doe: I need to know where to send the bill
Former creditor: What bill?
John Henry Doe: The bill for the use of my property.
Former creditor: What are you talking about?
John Henry Doe: I need your address so I can send you a bill for the use of my
property.
Former creditor : Whatever are you referring to, MR. DOE?
John Henry Doe: The name you have been using in this conversation to address me
is private, copyrighted property. So far in this conversation you
have used my property seven different times without my
authorization. I need to bill you for the use of my copyrighted
property. I prefer sending the bill to your home, rather than at the
bank . Home address, please?
Former creditor : You’ve got to be kidding.
John Henry Doe: I 'm not kidding, JACK. If you 're not willing to provide your home
address this conversation is over.
Former creditor: You’ll be hearing from us, MR. DOE (" click’’ ).

Handling Presentments - Instructions Page 14 of 21

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 2. Your objective. Take it as far as you need to get the caller to hang up. If he
gives you home address, ask him for home phone number. If he gives you home
phone number, ask for Social Security Account Number , “SSAN”; tell him that
you don’t know who he is and that you need to verify all the previous data he
gave you with the SSAN. He will not call you again.

3. Caller's objective. Someone else might call again at a later time, but it will be the
same story. The debt is discharged and their legal department knows it. They
are only calling for the purpose of trying to persuade you that you can only pay in
FRNs. If you actually mistakenly engaged in conversation with the caller, he/she
would try to make you feel bad and scare you with bogus threats. Anyone who is
assigned to call you after you have sent in such an instrument knows exactly
what he/she is doing and has been briefed on how to get you to pay in FRNs.
Handle them as above and they will stop calling.

4. Key points to remember.

(a) Never answer a question;

(b) Never identify yourself;

(c) Never discuss anything that the caller brings up;

(d) Always interrupt if the caller pursues a conversation/questions you after

having been noticed that you don’t do business over the phone;
(e) There is no need to be hostile, but you must be firm and not tolerate any
attempts at getting you into a conversation; and

(f) Do not consent with anything the caller wants. You can even tell him/her that
you do not consent for him/her using your copyrighted property, using your
telephone number, calling you at home, etc.

E. Correspondence urging you to call. The choice is yours, but anyone who uses your
copyrighted property to write you a letter deserves a “Notice by Written
Communication/Security Agreement.”

F. If you receive a presentment (demand for payment) afterwards, if a follow-up

presentment comes in the mail, you should:

1. Mail the sender (agent) a personalized Notice by Written Communication/

Security Agreement, and a copy of the served, 14-page Administrative Remedy
Demand and its proof of mailing (Green Card and Affidavit of Mailing); and

2. if you also served the principal with notice of the fees for use of your private
property, you may commence the collection process on the principal using the
15
last correspondence (presentment or not) as proof of execution of the contract.
These instructions begin in part VI immediately below.

15
If the matter is entered into the court as a complaint , it can still be successfully resolved. We are not licensed to
practice law , but the publisher may be able to suggest a consultant who can assist you.

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VI. Steps to Take After Execution of Consensual Contract by Unauthorized User.

A. Methods of execution, It is vital that you recognize the moment the presenter/debt
collector executes the consensual contract and incurs the obligation. For this reason
you need to be familiar with the everyday language in the “Notice by Written
Communication” that spells out the non-judicial terms of the contract for use of your
common-law-copyrighted property. A presenter/debt collector can voluntarily enter
the consensual contract in either of the following ways:

1. By any subsequent use of your True Name or TRADE NAME after having been
noticed;

2 . By Failing to comply with the specified terms of opting out of the consensual
contract and turn over all originals and all copies of any and all records in any
form (written, electronic, tape) containing your copyrighted property (True Name
and TRADE NAME).

B, Steps immediately after presenter/debt collector executes consensual contract.

1. File a UCC Financing Statement.

(a) Timing. This filing is done at the very first possible instant. Determine
presenter’s/debt collector’s location in accordance with UCC 9-307 (different
criteria for individuals and corporations) and, listing your True Name as
secured party and presenter' s/debt collector’s TRADE NAME as debtor,
immediately file a financing statement at:

(i) State level in the UCC filing office; and

(ii) County level, if you can locate debtor’s real estate holdings. Legal
description of debtor’s real property goes in Box 14 on the ADDENDUM
page (one UCC Financing Statement for each piece of real property).
Follow guidelines for “Real Estate Filing" listed in Section 8, “UCC
Financing Statement Instructions.”
(b) Use of ADDENDUM page. Place an “ X” in the last check-box in Box 13,
“fixture filing,” for both state and county filings. If you are filing at the county
as a real estate filing, place the legal description of the property in Box 14 ( not
a transmitting-utility filing—so do not mark this check-box under Box 18) .
(c) Security Agreement. The “Security Agreement" that you will reference within
the text of the collateral description in Box 4 is whichever one you used to
notice the presenter/debt collector, i.e.:
(i) The five-page, stand-alone “Notice by Written Communication/Security
Agreement ”; or

(ii) The “Notice by Written Communication/Security Agreement” that is

included within the comprehensive, 14-page, validation-of-debt
Administrative Remedy Demand.

Handling Presentments - Instructions Page 16 of 21

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 (d) Collateral description. No matter which "Notice by Written Communication/
Security Agreement" you used, in both cases the collateral description in Box
4 is the same :

“All of debtor's assets, land, and personal property, and all of debtor's interest in
said assets, land, and personal property, now owned and hereafter acquired, now
existing and hereafter arising , and wherever located , described fully in security
agreement entitled “NOTICE BY WRITTEN COMMUNICATION / SECURITY
AGREEMENT” dated [Date of the particular Notice By Written Communication/
Security Agreement that you used] by and between debtor and secured party.
Inquiring parties may consult directly with debtor for ascertaining, in detail, the
financial relationship and contractual obligations associated with this commercial
transaction, identified in security agreement referenced above. Secured party
-
accepts debtor's signature in accord with UCC §§ 1 201(39), 3-401.

(e) Transmitting your filing. Get your UCC Financing Statement filed the fastest
way possible in both the UCC filing office in the office of the Secretary of
State, and at the county clerk’s/recorder’s office if you are also doing a real
estate filing.
2. Invoice - Verified Statement of Account. Immediately upon presenter’s/debt
collector’s execution of the consensual contract, draw up an invoice to bill the
new debtor for the unauthorized use of your property . This is a dollar-figure
calculated by multiplying the total number of uses of True Name and TRADE
NAME , both before and after the debtor was noticed, by $ 500 , 000.00. Debtor
had the chance to opt out of the deal and walk away, but chose to go forward
and challenge your right of ownership of your own property. Once he executes
the contract, all previous unauthorized uses of the property come forward and
are billable, and debtor is accountable for each one. When you plug in your
particulars for those of John Henry Doe's in the sample Invoice , be sure you:

(a) Precisely identify the document( s) and the number of uses of your property in
each;

(b) Make an exact accounting of unauthorized use of the property, leaving no

margin for error, and

(c) Make certain that you can back up with verifiable, bona fide, documentary
evidence everything that you swear to regarding unauthorized use of the
property; i.e. the only way you can foul up is if you cannot prove the veracity
of the Invoice, which is a notarized affidavit, the most powerful private/
legal/commercial instrument in the world. You cannot afford to make a false
attestation, nor bear false witness (perjury) , so be sure you can legally prove
what is stated in your affidavit . After doing your accounting, place the
documentary evidence used to tally the number of unauthorized uses in a
safe place in your records .
(d) Give you debtor ten (10) days to tender payment in full. There is no rush on
this; the days will fly by .

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 (e) Notarize your new “Invoice - Verified Statement of Account.”

3. Sending the invoice. After notarizing, make a photocopy of the original Invoice,
as well as any page attached by the notary. Debtor gets only a photocopy of the
original notarized Invoice ; you keep the complete original and file it in a safe
place in your records . Send photocopy of Invoice by Registered Mail, complete
with Affidavit of Mailing, as described in instructions given above in paragraph IV.
E, “Registered Mail envelope and mailing. "

B. Defaults. Be sure you understand the default provisions of the Notice by Written
Communication/Security Agreement. Defaults are inevitable, and debtor will be in
default ten (10) days after Invoice is sent , not 10 days after debtor receives it. Per
UCC, it is debtor’s responsibility to monitor receipt of mail and make sure all financial
obligations are met. Before 10-day period expires , contact the publisher and tell him
you are ready to initiate foreclosure proceedings, described below in paragraph C.

C. Non- judicial strict foreclosure and collection. This is an extremely serious

undertaking, however simple the final execution may end up being, and must be
approached with the utmost respect for procedure. This is the step that reverses the
statist,16 totalitarian, communistic , property-confiscation machinery developed and
institutionalized by the Legal Masters of the World over the last 2,000+ years, and
they are not pleased with our progress , For these and other reasons , it is not
recommended that anyone attempt this process on a first-time basis without help
from someone who has already successfully done it. it is not enough just to be
“right”; you must be perfectly right to avoid retaliation from Big Brother. Legal
experts in the UCC and Revised Article 9 have written entire books on just this
subject to guide their fellow esquire-mercenaries in ravaging America because it is
so significant and easily misunderstood. Even some judges misunderstand the
default provisions of Revised Article 9. The publisher has been supplied with
contacts to help you in this wise , so as soon as you know when you will be ready to
go forward with strict foreclosure, it is time to make contact .

Vtt. Protecting Oneself in Pressure Situations and Criminal Proceedings.

A. Speaking and acting for oneself . See the essays , "Helpful Notes for Pressure
Situations" and “How to Sign Your Name When Your Signature is Demanded,” in
Appendix for real-life solutions for everyday confrontations with Big Brother.

1. Affidavit of John Henry Doe, bv Special Visitation.

(a) Meaning of " Special Visitation". This affidavit does not constitute appearance ,
rather visitation , based on the nature of the relationship between the
sovereign constituency, of which you are a member and can claim such
standing, and the stave artificial-person corporation known as “government."
These words are defined as follows:

16
Statist: An adherent of statism [A theory of government which holds that the returns from group or individual
enterprise are vested in the state, as in communism. ]. Funk &. Wagnalls Standard Dictionary, International Edition ,
1958.
Handling Presentments - Instructions Page 18 of 21
283
 “Special. Relating to or designating a species, kind, or sort; designated for a
particular purpose; confined to a particular purpose, object, person, or class. The
opposite of general.” Black’s 1st.

“Visitation. Inspection; superintendence, direction; regulation. As applied to

corporations means, in law, the act of a superior or superintending officer who
visits a corporation to examine into its manner of conducting business and to
enforce an observance of its laws and regulations.” Black’s Law Dictionary,
Fourth Edition, 1951.

(b) Purpose. Used to obtain a common-law judgment of non prosequitur, also

called non pros.

‘‘‘ Non prosequitur , (non pr -sek-w -t r

'
or proh-). [Latin “he does not
prosecute”] The judgment rendered against a plaintiff who has not pursued the
—
case. Often shortened to non pros” Black’s 7th.

(c) Description. Places parties on notice of who you are; that you never granted
permission for using, nor authorized use of, your property (True Name® and
TRADE NAME®); requires response in like kind (affidavit); and that response
be sent via a notary public of your designation (explained below). Both agent
and principal are included. Such notice can be sent by Registered Mail, and
can be filed in person, as well, depending on the advantage of each method.
Generally, agents are served by Registered Mail, principals, in person. Some
principals will prefer that the document be presented in a different format.
Document is dated common-law style.

(d) Notary public . A notary is an “officer of the state” and has international
jurisdiction:

• “Notary public. A public officer whose function is to attest and certify, by his
hand and official seal, certain classes of documents, in order to give them
credit and authenticity in foreign jurisdictions; to take acknowledgments of
deeds and other conveyances, and certify the same; and to perform certain
official acts, chiefly in commercial matters, such as the protesting of notes and
bills, the noting of foreign drafts, and marine protests in cases of loss or
damage. Black’s 1st. ( Underline emphasis added)

• “Notaries are of very ancient origin they were well known among the Romans,
and exist in every state of Europe, and particularly on the continent.” Bouvier’s
Law Dictionary, Sixth Edition, 1856, hereinafter Bouvier’s 6th.

• “An officer appointed by the executive, or other appointing power, under the
laws of different states. Their duties are generally prescribed by such laws.
The most usual of which are, 1. To attest deeds, agreements and other
instruments, in order to give them authenticity. 2. To protest notes, bills of
exchange, and the like. 3. To certify copies of agreements and other
instruments.” Bouvier’s 6th. (Underline emphasis added)

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 * “Their acts have long been respected by the custom of merchants and by the
courts of all nations.” Bouvier’s 6th .

Noting the title of the 14-page “Validation of Debt” package, i.e.

“Respondent’s Private, International Administrative Remedy Demand, ” we are
in the international realm when dealing with the current cfe facto
government—coincidentally a commercial enterprise overlorded by a lineage
of former merchant shippers on the high seas who employed the services of
notaries heavily as an aid in international commerce, primarily for the
handling of notes (promissory notes) and bills (bills of exchange, i.e. orders to
pay). The office of notary public is far more powerful than even the average
notary is aware of; cultivated so for maintaining governmental control in
economic matters.

2. Notary 's “Certification of Non-Response”. A notary is an "officer of the state”

and, as such, a notary’s word carries great weight in state matters. When the
notary attests that no correspondence was received from any of the agents and
principals that have charged (dual significance of legal/commercial terms) you for
an alleged crime, a common-law judgment of non pros is obtained. Agents and
principals can avoid the $500,000.00 name-use fee by using the term “Secured
Party” instead of the sender 's True Name®/TRADE NAME® for addressing
correspondence; but nearly all reject this option. The notary confirms non-receipt
of correspondence with a simple form called “Certification of Non-Response," a
sample of which appears in Appendix under Notary’s “Certification of Non-
Response”. You draw up the form , listing each party that you want the notary to
acknowledge as not having heard from, and bring it to the notary for his/her seal
and signature.

3 . Enlisting the help of a notary, deally, you will have a notary public among your
friends, family, and associates.17 If not , if is a simple matter to enlist the help of
a notary for a Certification of Non-Response.

(a) Speaking with the notary . Contact a notary in a friendly fashion and tell
him/her that:

(i) You are handling a matter in which you need outside, third-party
verification that your requests for a written response from certain people
are being ignored;

(ii) His/her word as notary would remove all doubt in the matter ; and

(iii) You would just drop by in a couple of weeks with a short list of people to
see if the notary had received any correspondence from any of them and—
pick up any such correspondence that had arrived; and

17
In fact, becomin

Handling Presentments - Instructions Page 20 of 21

285
 (iv) For those who had not sent anything, you would be happy to pay "[you
choose a number]” dollars [a realistic and agreeable fee] for a simple, one-
sentence acknowledgment that nothing had come in from the parties the
notary had not heard from.

(b) After securing notary’s Certification of Non-Response. Serve each agent and
principal in the same fashion the original affidavit was served. You now have
profound evidence on the record that nobody ever had any right to use your
common-law-copyrighted property without your authorization, and that no
such authorization was ever give. Besides the financial charges for use of
your property , the attackers are in no-man‘s land, “up the creek without a
paddle ," because there is no legal foundation/basis for their attack.

B. Suggestions on what to say when challenged by Big Brother’s operatives. See

“Helpful Notes for Pressure Situations” on page 322 in this Section for ideas on how
to avoid dealing with Big Brother’s altogether, and how to cope with its operatives in
unavoidable situations.

C . Doing business with any and all who use your private property . Upon receipt of any
presentment bearing your common-law-copyrighted property, for both civil and
criminal matters, immediately serve each and every involved party proceeding
against you (including judges, clerks of court, prosecutors, attorneys, and others)
with his/her own, personal Notice by Written Communication. Use "Difficult opt-out
procedure (with subsequent “Self-executing” paragraph)” text described under
paragraph II. 4(b) of these instructions, and send by Registered Mail. You can also
send one to the presiding/chief judge of a particular courthouse and thereby place
the entire courthouse on notice.

Those who do not surrender all originals and all copies containing your private
property (in any form of recorded media) into your possession within the 72-hour
Truth-in-Lending-Act period, thereby execute the consensual contract, immediately
file a UCC Financing Statement against ail such parties both at state level and, after
obtaining a legal description of ail their real estate holdings, at county level. Each
piece of real estate needs its own separate financing statement (you can only file
against one property in a single real estate filing at county level). Draw up an
invoice for each party and bill them by Registered Mail (send a copy of the notarized
original invoice; retain the original), based on the number of uses of your copyrighted
property multiplied by $500 , 000.00.

D. Assistance. If, despite all the above, you are still having a tough time of it and would
like assistance from someone familiar with these kinds of situations, you may want
to contact the publisher , who may be able to recommend a consultant who can help
you.

Page 21 of 21 Handling Presentments - Instructions

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DOE, JOHN HENRY ®
P. O. Box 9999, Los Angeles, CA 90010
Non-Negotiable U.S.P.O. Registered Mail Article No. RR111222333US
March 14, 2002 In care of:
Post Office Box 9999
Los Angeles 90010
California Republic
John Henry Doe®
LAWRENCE D. MITCHELL
MITCHELL & GREENE, L.L.P.
9500 Wilshire Boulevard
Beverly Hills, CA 90212
NOTICE BY WRITTEN COMMUNICATION / SECURITY AGREEMENT
This Notice by Written Communication/Security Agreement, hereinafter “ Notice by Written Communication," is sent for the
purpose of clearing up a misunderstanding on the part of John Henry Doe®, hereinafter Secured Party. Considering the
seriousness of this matter Secured Party has determined that it is vital that ail communication by and between Secured Party
and LAWRENCE D. MITCHELL be in written form so that a proper record is maintained for Secured Party’s remedy should
such need ever arise. In event LAWRENCE D. MITCHELL determines that legal advice is necessary, LAWRENCE D.
MITCHELL may hire a professional qualified in providing such advice. LAWRENCE D. MITCHELL may correspond with
Secured Party only by designating addressee on any envelope, package, and the like, intended for Secured Party as "Secured
Party.” LAWRENCE D. MITCHELL'S use of any other addressee designation on any correspondence intended for Secured
Party is not authorized and accelerates LAWRENCE D. MITCHELL ' S acceptance of the obligation of the herein-below-
described consensual contract effective the date any such unauthorized correspondence is sent Secured Party by
LAWRENCE D. MITCHELL and in accordance with other terms set forth herein below under "Acceleration of Acceptance of
Obligation of Consensual Contract.”
It is Secured Party's understanding that LAWRENCE D. MITCHELL does not hold a perfected security interest in any property
of JOHN HENRY DOE®, also known by any and all derivatives and variations in the spelling of said name used with the intent
of referencing JOHN HENRY DOE®, and likewise in any secured collateral of Secured Party. In event LAWRENCE D.
MITCHELL claims a perfected security interest in any property of JOHN HENRY DOE®, i.e. in any secured collateral of
Secured Party, LAWRENCE D. MITCHELL must provide Secured Party with proof of superiority of any such perfected security
interest of LAWRENCE D. MITCHELL' S over that of Secured Party’s within seventy-two (72) hours of midnight the day
following LAWRENCE D . MITCHELL'S receipt of this Notice by Written Communication.
Secured Party is not now, nor has Secured Party ever been a surety, nor an accommodation party, for JOHN HENRY DOE®,
nor for any derivative of, nor for any variation in the spelling of, JOHN HENRY DOE®, nor for any other juristic person, and is so
indemnified and held harmless by JOHN HENRY DOE® in Hold-harmless and Indemnity Agreement No . JHD-030473-HHIA
dated the Fourth Day of the Third Month in the Year of Our Lord One Thousand Nine Hundred Seventy-three against any and
all claims, legal actions, orders, warrants, judgments, demands, liabilities, losses, depositions, summonses, lawsuits, costs,
fines, liens, levies, penalties, damages, interests, and expenses whatsoever, both absolute and contingent, as are due and as
might become due , now existing and as might hereafter arise, and as might be suffered by, imposed on, and incurred by JOHN
HENRY DOE® for any and every reason, purpose, and cause whatsoever.
Unauthorized Use Strictly Prohibited
All rights reserved re common- law copyright of trade-name/trademark JOHN HENRY DOE®—as well as any and all derivatives
and variations in the spelling of said trade-name/trademark, not excluding “ John Henry Doe”—Common Law Copyright © 1973
by John Henry Doe ®. Said trade-name /trademark, JOHN HENRY DOE®, may neither be displayed, nor used , nor reproduced
in whole, nor in part, nor in any manner whatsoever, without the prior, express, written consent and acknowledgment of
Secured Party as signified by Secured Party’s signature in red ink.
This Notice by Written Communication provides LAWRENCE D. MITCHELL with notice that “JOHN HENRY DOE,” is a
common-law trade-name / trademark and common-law copyright of John Henry Doe®, i.e . Secured Party, that any unauthorized
use of JOHN HENRY DOE® by LAWRENCE D. MITCHELL constitutes counterfeiting and common-law trade-name/trademark
copyright infringement, that Secured Party neither grants, nor implies, nor otherwise gives consent for any unauthorized use of
JOHN HENRY DOE®, and that any and all such unauthorized use is strictly prohibited ,

NOTICE BY WRITTEN COMMIJN1CATI ON /SEC URITY AGREEMENT NO. JHD -03 I 402-LDM
Page 1 of 5 287
 DOE, JOHN HENRY®
P.O. Box 9999, Los Angeles, CA 90010
Acceleration of Acceptance of Obligation of Consensual Contract
With the intent of being contractually bound, any juristic person, including, but not limited by LAWRENCE D. MITCHELL and
MITCHELL & GREENE, L.L.P., consents and agrees by this Notice by Written Communication that said juristic person shall
neither display, nor reproduce, nor otherwise use in any manner, the common-law trade-name/trademark JOHN HENRY
DOE®, nor the common-law copyright associated therewith, nor any derivative of, nor any variation in the spelling of, JOHN
HENRY DOE®, not excluding “ John Henry Doe,“ without the prior, express, written consent and acknowledgment of Secured
Party as signified by Secured Party's signature in red ink, and that any such additional instance of unauthorized use of
Secured Party 's common-faw-copyrighted trade-name/trademark by LAWRENCE D. MITCHELL following LAWRENCE D,
MITCHELL'S receipt of this Notice by Written Communication accelerates LAWRENCE D, MITCHELL'S acceptance of the
obligation of the herein-described consensual contract, as well as the unconditional promise of payment in full of said obligation,
effective the date of the first instance of additional unauthorized use following LAWRENCE D. MITCHELL'S receipt of this Notice
by Written Communication, in strict accordance with terms set forth below in paragraphs ‘'(1)" through "(9)” under “Self-executing
Security Agreement /’ wherein LAWRENCE D. MITCHELL is “User.”
Procedure for Opting Out of Consensual Contract
LAWRENCE D. MITCHELL'S unauthorized use, i.e, counterfeiting, of Secured Party’s common-law trade-name/trademark and
copyright, consensually contractually binds LAWRENCE D. MITCHELL with Secured Party, as of LAWRENCE D. MITCHELL'S
initial unauthorized use of Secured Party’s common-law trade- name/trademark and copyright, in respect of fair compensation due
Secured Party for use of Secured Party’s private property , LAWRENCE D. MITCHELL can opt out and withdraw from LAWRENCE
D, MITCHELL'S consensual contract with Secured Party and retain no obligation associated therewith only by immediate cessation
of any and all further unauthorized use of Secured Party ' s common-law-copyrighted property.
Self- Executing Security Agreement
By the act of any single instance of unauthorized use of Secured Party's common-law-copyrighted property by LAWRENCE D.
MITCHELL following LAWRENCE D. MITCHELL'S receipt of this Notice by Written Communication, LAWRENCE D, MITCHELL,
hereinafter “ User" only in this “Self-executing Security Agreement' -section, accepts the obligation of this consensual contract,
this Notice by Written Communication concomitantly becomes a security agreement, hereinafter “Security Agreement,”
wherein User is Debtor and John Henry Doe ® is Secured Party, and User:' 1

(1) Grants Secured Party a security interest in all of User ' s property and interest in property in the sum certain amount of
$500,000.00 per each occurrence of use of common-law -copyrighted trade-name/trademark JOHN HENRY DOE®, as well
as for each and every use of any and all derivatives of, and variations in the spelling of, JOHN HENRY DOE®, not
excluding "John Henry Doe,” plus all reasonable costs associated with enforcing said security interest and collecting the
indebtedness, plus triple damages, i.e. plus total damages calculated in United States Dollars and multiplied by a factor of
3 (i.e. Damages in United States Dollars X 3);
( 2) Authenticates this Security Agreement wherein User is Debtor and John Henry Doe® is Secured Party, and wherein User
pledges all of User’s property, i.e . all: motor vehicles; aircraft; vessels; ships; trademarks; copyrights; patents; consumer
goods; firearms; farm products; inventory; equipment; money; investment property; commercial tort claims; letters of
credit; letter- of-credit rights; chattel paper; electronic chattel paper; tangible chattel paper; certificated securities;
uncertifrcated securities; promissory notes; payment intangibles; software; health-care-insurance receivables; instruments;
deposit accounts; accounts; documents; livestock; real estate and real property—including alf buildings, structures,
—
fixtures, and appurtenances situated thereon, as well as affixed thereto fixtures; manufactured homes; timber; crops;
and as-extracted collateral, i.e. alt oil, gas, and other minerals, as well as any and all accounts arising from the sale of
these substances, both at wellhead and minehead; accessions, increases, and additions, replacements of, and
substitutions for, any of the property described hereinabove in this paragraph; products, produce, and proceeds of any of
the property described hereinabove in this paragraph; accounts, general intangibles, instruments, monies, payments, and
contract rights, and all other rights, arising out of sale, lease, and other disposition of any of the property described
hereinabove in this paragraph; proceeds, including insurance, bond, general intangibles, and accounts proceeds, from the
sale, destruction, loss, and other disposition of any of the property described hereinabove in this paragraph; records and
data involving any of the property described hereinabove in this paragraph, such as in the form of a writing, photograph,
microfilm, microfiche, tape, electronic media, and the like, together with all of User's right, title, and interest in all computer
software and hardware required for utilizing, creating, maintaining, and processing any such records and data in any
electronic media, and all of User’s interest in all such foregoing property in this paragraph, now owned and hereafter
acquired, now existing and hereafter arising, and wherever located, as collateral for securing User’s contractual obligation
in favor of Secured Party for User' s unauthorized use of Secured Party’s common-law-copyrighted property;

NOTICE BY WRITTEN COMMUNICATION /SECURITY AGREEMENT NO. JHD-031402 LDM -

288 Page 2 of 5
 .
DOE JOHN HENRY ®
P.O. Box 9999, Los Angeles, CA 90010
(3) Consents and agrees with Secured Party' s filing of a UCC Financing Statement in the UCC filing office, as well as in any
county recorder’s office, wherein User is Debtor and John Henry Doe® is Secured Party;
{4) Consents and agrees that said UCC Financing Statement described above in paragraph “(3)" is a continuing financing
statement, and further consents and agrees with Secured Party’s filing of any continuation statement necessary for
maintaining Secured Party’s perfected security interest in all of User’s property and interest in property pledged as
collateral in Security Agreement described above in paragraph '‘{ 2) ,’' until User's contractual obligation theretofore incurred
has been fully satisfied;
(5) Consents and agrees with Secured Party's filing of any and all UCC Financing Statements, as described hereinabove in
paragraphs “(3)" and “(4),’’ and the filing of any Security Agreement , as described hereinabove in paragraph “(2)," in the
UCC filing office, as well as in any county recorder's office;
(6) Consents and agrees that any and all such filings described in paragraphs “(4)" and ''{ 5) ” above are not, and may not be
considered, bogus, and that User will not claim that any such filing is bogus;
(7) Waives all defenses;
(8) Appoints Secured Party as Authorized Representative for User, effective upon User’s default re User's contractual
obligations in favor of Secured Party as set forth below under “Payment Terms’ and “Default Terms,” granting Secured
1

Party full authority and power for engaging in any and all actions on behalf of User including, but not limited by
authentication of a record on behalf of User, as Secured Party, in Secured Party's sole discretion, deems appropriate,
and, as regards any deposit account of any kind maintained with any bank in/under the name of User, and likewise any
deposit account maintained with any bank in/under the Social Security Account Number of User, notwithstanding the
absence of User's name as account-holder on any such deposit account maintained with any bank in/under the Social
Security Account Number of User, grants Secured Party full authority and power for originating instructions for said
deposit-account bank and directing the disposition of funds in said deposit account by acting as signatory on said deposit
account without further consent of User and without liability, and User further consents and agrees that this appointment
of Secured Party as Authorized Representative for User, effective upon User’s default, is irrevocable and coupled with a
security interest;
(9) Consents and agrees with all of the following additional terms of this Self-executing Security Agreement:
( a) Payment Terms: In accordance with fees for unauthorized use of JOHN HENRY DOE® as set forth above, User
hereby consents and agrees that User shall pay Secured Party all unauthorized-use fees in full within ten (10) days of
date Secured Party’s invoice, hereinafter "Invoice," itemizing said fees, is sent User.
(b) Default Terms: In event of non-payment in full of all unauthorized-use fees by User within ten (10) days of date
Invoice is sent, User shall be deemed in default and:
(i) All of User’s property and interest in property pledged as collateral by User, as set forth in above in paragraph
“( 2)," immediately becomes, i.e. is, property of Secured Party;
(ii) Secured Party is appointed User’s Authorized Representative as set forth above in paragraph “(8)”; and
(iii) User consents and agrees that Secured Party may take possession of, as well as otherwise dispose of in any
manner that Secured Party, in Secured Party’s sole discretion, deems appropriate, including, but not limited by,
sale at auction, at any time following User' s default, and without further notice, any and all of User’s former
property and interest in property formerly pledged as collateral by User, as described above in paragraph “(2) ,”
now property of Secured Party, in respect of this “Self-executing Security Agreement,” that Secured Party, again
in Secured Party’s sole discretion, deems appropriate.
(c) Terms for Curing Default: Upon event of default, as set forth above under “Default Terms," User can cure User’s
default and avoid strict foreclosure re any remainder of User's former property and interest in property that is neither
in the possession of Secured Party, nor otherwise disposed of by Secured Party, only within twenty (20) days of
User’s default and only by payment in full of the balance of the sum certain amount owed by User, as noticed User in
Invoice, that is not already paid by Secured Party's possession, sale, liquidation, and the like of User's former
property and interest in property pledged as collateral for securing User's obligation.
(d) Terms of Strict Foreclosure: User’s non-payment in full of all unauthorized-use fees itemized in Invoice within said
twenty- (20) day period for curing default as set forth above under “ Terms for Curing Default' authorizes Secured
Party's immediate non-judicial strict foreclosure on any and ail remaining property and interest in property formerly
pledged as collateral by User, now property of Secured Party, which is not in the possession of, nor otherwise
disposed of by, Secured Party upon expiration of said twenty- (20) day default-curing period.

NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO . JHD-031402-LDM

Page 3 of 5 289
 DOE, JOHN HENRY ©
P.O. Box 9999, Los Angeles, CA 90010
Ownership subject to common-law copyright and UCC Financing Statement and security agreement filed with the UCC filing
office. Record Owner: John Henry Doe®, Autograph Common Law Copyright © 1973 by John Henry Doe®.
Words Defined - Glossary of Terms
As used in this Notice by Written Communication, the following words and terms are as defined in this section, non obstante :
All. In this Notice by Written Communication the word “all” means everything one has: the whole number; totality, including
both all and sundry; everyone; without restriction.
Appellation. In this Notice by Written Communication the term “appellation” means: A general term that introduces and
specifies a particular term which may be used in addressing, greeting, calling out for, and making appeals of a particular living,
breathing, flesh-and-blood man.
Authorized Representative. In this Notice by Written Communication the term “Authorized Representative" means the
Secured Party, John Henry Doe®, authorized by Debtor, upon Debtor's default, for signing Debtor’s signature, without liability
and without recourse.
Collateral. In this Notice by Written Communication the term “Collateral" means any and all property of Debtor identified
above in paragraph “(2).”
Debtor. In this Notice by Written Communication the term “Debtor" means LAWRENCE D. MITCHELL, effective upon
execution of Security Agreement as set forth above under “Self-executing Security Agreement.”
Default. In this Notice by Written Communication the term “default” means Debtor's non-performance of a duty arising under
this Notice by Written Communication as set forth above under paragraph “(9)(b)," “Default Terms.”
Derivative. In this Notice by Written Communication the word “derivative” means coming from another; taken from something
preceding; secondary; that which has not the origin in itself, but obtains existence from something foregoing and of a more
primal and fundamental nature; anything derived from another.
Hold-harmless and Indemnity Agreement. In this Notice by Written Communication the term “Hold-harmless and Indemnity
Agreement" means the written, express, Hold-harmless and Indemnity Agreement No. JHD-030473-HHIA dated the Fourth
Day of the Third Month in the Year of Our Lord One Thousand Nine Hundred Seventy-three, between John Henry Doe® and
JOHN HENRY DOE, together with all modifications of and substitutions for said Hold-harmless and Indemnity Agreement.
John Henry Doe. In this Notice by Written Communication the term “John Henry Doe" means the sentient, living being known
by the distinctive appellation "John Henry Doe.” All rights are reserved re use of John Henry Doe®, Autograph Common Law
Copyright © 1973 by John Henry Doe®.
JOHN HENRY DOE. In this Notice by Written Communication the term “JOHN HENRY DOE" means JOHN HENRY DOE®,
and any and all derivatives and variations in the spelling of said name except “John Henry Doe," Common Law Copyright © 1973
by John Henry Doe®. All Rights Reserved.
Juristic person. In this Notice by Written Communication the term “juristic person" means an abstract, legal entity ens legis,
such as a corporation, created by construct of law and considered as possessing certain legal rights and duties of a human
being; an imaginary entity, such as LAWRENCE D. MITCHELL, which, on the basis of legal reasoning, is legally treated as a
human being for the purpose of conducting commercial activity for the benefit of a sentient, living being, such as John Henry
Doe.
“From the eadiest times the law has enforced rights and exacted liabilities by utilizing a corporate concept -
by recognizing, that is, juristic persons other than human beings. The theories by which this mode of legal
operation has developed, has been justified, qualified, and defined are the subject matter of a very sizable
library, The historic roots of a particular society, economic pressures, philosophic notions, all have had their
share in the law's response to the ways of men in carrying on their affairs through what is now the familiar
device of the corporation. — Attribution of legal rights and duties to a juristic person other than man is
necessarily a metaphorical process. And none the worse for it. No doubt, “Metaphors in law are to be
narrowly watched.” Cardozo, J., in Berkev v. Third Avenue R. Co.. 244 N.Y. 84, 94. “But all instruments of
thought should be narrowly watched lest they be abused and fail in their service to reason." See U.S. v.
SCOPHONY CORP. OF AMERICA. 333 U.S. 795; 68 S.Ct. 855; 1948 U.S.”
LAWRENCE D. MITCHELL. In this Notice by Written Communication the term “LAWRENCE D. MITCHELL" means
LAWRENCE D. MITCHELL, a juristic person.
NOTICE BY WRITTEN COMMUNICATION /SECURITY AGREEMENT NO. JHD 031402 LDM - -
290 Page 4 of 5
DOE, JOHN HENRY ©
P . O. Box 9999, Los Angeles , CA 90010
Living, breathing, flesh-and-blood man. In this Notice by Written Communication the term “living, breathing, flesh-and-
blood man ' means the Secured Party, John Henry Doe®, a sentient, living being, as distinguished from an artificial legal
1

construct, ens legis, i.e. a juristic person, created by construct of law.

Non obstante. In this Notice by Written Communication the term “ non obstante" means: Words anciently used in public and
private instruments with the intent of precluding, in advance, any interpretation other than certain declared objects, purposes.
Secured Party, in this Notice by Written Communication the term " Secured Party" means John Henry Doe®, a living, sentient
being as distinguished from a juristic person created by construct of law.
Security Agreement, in this Notice by Written Communication the term "Security Agreement" means the self-executing Security
Agreement as described above under "Self-executing Security Agreement,” together with any and ail attachments, exhibits,
documents, endorsements, and schedules attached thereto.
Sentient , living being. In this Notice by Written Communication the term "sentient, living being" means the Secured Party, i.e.
John Henry Doe®, a living, breathing, flesh-and-blood man, as distinguished from an abstract legal construct, such as an
artificial entity, juristic person, corporation, partnership, association, and the like.
“There, every man is independent of all laws, except those prescribed by nature. He is not bound by any
. .
institutions formed by his fellowmen without his consent " CRUDEN v. NEALE 2 N.C. 338 (1796) 2 S.E. 70.
Additional Provisions
Any unenforceable provision of this Notice by Written Communication is severed from this Notice by Written Communication,
but every remaining provision continues in full force and effect and this Notice by Written Communication is deemed modified
in a manner that renders this Notice by Written Communication effective and in full force and effect. In all cases Secured
Party continues without liability and is held harmless.
Any prior communication, written document, and the like by and between Respondent and Secured Party containing any
mistake of Secured Party is invalidated thereby and of no force and effect, and may not be relied upon by Respondent against
Secured Party in this matter.
LAWRENCE D. MITCHELL consents and agrees that this Notice by Written Communication is a private, consensual contract
and may not be impaired by any third party .
LAWRENCE D. MITCHELL consents and agrees in fulf with all terms, conditions, and provisions as stated above .
With the intent of entering this consensual contract both LAWRENCE D. MITCHELL as Debtor and John Henry Doe as
Secured Party do herewith execute this Security Agreement.
Debtor: LAWRENCE D. MiTCHELL
LAWRENCE D. MITCHELL
Debtor’s Signature
Secured Party accepts Debtor’s signature in accord with UCC §§ 1-201(39), 3- 401.

Secured Party: John Henry Do

^ <£>
Secyd Party' s Signature 7
Autograph ^
Common Law (Wpyright © 1973 by John Hen7 Doe®, EID # 1234-56789. All rights reserved. No part of this common-law
copyright made be reproduced in any manner without prior, express, written permission from John Henry Doe® as signified by the signature
of John Henry Doe® in red ink. Unauthorized use of \ john Henry Doe" incurs same unauthorized-use fees as those associated with JOHN
HENRY DOE® as set forth above in Notice by Written Communication/Security Agreement.
This Notice by Written Communication/Security Agreement is non-negotiabie, is sent LAWRENCE D , MiTCHELL by United States Post
Office Registered Mail, and constitutes notice of John Henry Doe’s perfected security interest in all property of JOHN HENRY DOE®,
secured collateral of John Henry Doe®.
Enclosures: Copy of written communication from LAWRENCE D. MITCHELL dated March 11, 2002
Published Copyright Notice

NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD 031402 LDM - -

Page 5 of 5 291
 Return Receipt for Mailing
(Green Card)

SENDER: COMPLETE THIS SECTION- THIS SECTION ON DELIVERY

Complete items 1, 2, and 3. Also complete A. Signature

* item 4 if Restricted Delivery is desired.
X
D Agent
Print your name and address on the reverse Addressee
so that we can return the card to you, 5, Received by ( Printed Name) C, Date of Delivery
Attach this card to the back of the mailpiece,
or on the front if space permits.
D . Is delivery address different from item 1? Yes
1, Arttcle Addressed to:
if Y8S , enter delivery address below: No

LAWRENCE D. MITCHELL
MITCHELL & GREENE, L.L.P.
9500 Wilshtre Boulevard
Beverly Hills, CA 90212 .
3 Service Type
Certified MaiF Express Mail
09 Registered Return Receipt for Merchandise
Insured Mail O C .O.D.
.
4 Restricted Delivery? (Extra Pee) IS Yes

2. Article Number
(Transfer from service iabei) RR 111222333US
PS Form 3811, August 2001 Domestic Return Receipt - -
102 S95 Q1'M 2509

Note: Check Box 4, Restricted Delivery .

292
 —
Note: Registered Mail is the recommended method of communicating and this is the best way to do it: The form below is from the USPS " Firm Mailing Book For
Accountable Mail.” Use of this form is the only way you can obtain Registered Mail stickers/numbers before actually arriving at the Post Office to mail your
correspondence. Otherwise you will have to fill out a receipt in front of the Postal Clerk and he/she will then issue you a Registered Mail number on the spot which
you will have then write in by hand on all appropriate correspondence before sealing your envelope. To acquire the book and a roll of 100 Registered Mail stickers
—
-
simply go to the Post Office and’ in a very casual, matter-of fact manner, i.e. bored, say to the Postal Clerk: "1 need a roll of Registered’s and a Book.” He/she will
know exactly what you mean; and if you act like you know what you are asking for he/she will service your request immediately. If this is not to your liking you may
choose to use Certified Mail, which is much simpler, but also less secure and carries less legal weight.
In care of .
Post Office Sox 9999 Indicate type of mail Check appropriate block for
Name and Registered D Return Receipt Affix stamp here if issued as
Address
of Sender
Los Angeles 90010
California ^ Insured for Merchandise
Registered Mail:
[Zl With Postal Insurance
certificate of mailing of for
additional copies of this bill .
John Henry Doe
COD
Certified B inti Recorded Del.
Express Mail tfC Without Postal Insurance
Handling Act . Value
Postmark and Date of Receipt
Due Sender R. ft. SO . S H. Rest . Del Fee
Line Article
Number .
Name of Addressee Street , and Post Office Address Postage Fee Charge ( tf Regis.)
Insured
Value if COD Fee Fee Fee Remarks
.
LAWRENCE D MITCHELL, MITCHELL & GREENE LL P . . .
1 RR 111222333 US 9500 Wilshire Boulevard
Saverty HfHs, CA 90212
MITCHELL 1GREENE. L . L . P.
2 RR111222345US 9500 Wilsbire Boulevard
.
Beverly Hills CA 90212

5
>M
to
6
0>
JD 7
2
8
O
o
o 9
<
o
U - 10

11

12

13

14

15
Total Number of Pieces Total Number of Pieces Postmaster, Per (Name of Receiving Employee ) The lull declaration ot value is required on alt domestic and international registered mail . The maximum indemnity
Listed by Sender Received at Post Office payable for the reconstruction of nonnegotiable documents under Express Mail document reconstruction insurance
is $50,000 per piece subject to a limit of $500,000 per occurrence. The maximum indemnity payable on Express
hi Mail merchandise insurance is $500. The maximum indemnity payable is $25 ,000 for registered mail, sent with
optional postal insurance. See Domestic Mail Manual R 900 , S913, end S92 t for limitations of coverage on Insured
N© and COD mail. See International Mail Manual for limitations of coverage on international mail- Special handling
annfv nnlv in Ihkri Mifrth Haw ^k
rtari
 AFFIDAVIT OF MAILING
State of California )
) ss.
County of Los Angeles )

I am over 18 years of age and not a party to the within action; my business address is:

Lou Tenant
4444 Beverly Boulevard
Los Angeles, CA 90029

On the 14th day of March 20021 mailed one copy of the following:

• NOTICE BY WRITTEN COMMUNICATION / SECURITY AGREEMENT

dated March 14 2002, five (5) pages in length, with six (6) attachment pages,

a total of eleven (11) pages mailed herewith, including all attachments (not including this
Affidavit of Mailing) by United States Post Office Registered Mail, Article No.
RR 1 I 1222333 US, Restricted Delivery, Return Receipt Requested, in a sealed envelope
with postage pre-paid, properly addressed to LAWRENCE D. MITCHELL as follows:

LAWRENCE D. MITCHELL
MITCHELL & GREENE, L.L . P .
9500 Wilshire Boulevard
Beverly Hills, CA 90212

I declare under penalty of perjury under the laws of the State of California that the above
is true, correct, and complete, and that this Affidavit of Service was executed on March
14, 2002 at Los Angeles, California.

Lou Tenant

Affidavit of Mailing Page 1 of 1

294
March 28, 2002
Non-Negotiabte In care of:
Post Office Box 9999
Los Angeles 90010
California Republic
John Henry Doe®
RESPONDENT’S PRIVATE, INTERNATIONAL, ADMINISTRATIVE REMEDY DEMAND NO. JHD-032802-JJ
For: JACK JONES, a Debt Collector Via U.S.P.O. Registered Mail Article No.
CHASE, MANN & HATT MORTGAGE CORPORATION RR777888999US
5143 Tunnel Vision Drive
Columbus, OH 43222
Re: Written communication from JACK JONES, hereinafter "Debt Collector,” dated March 15, 2002, a copy of which is attached
herewith, made fully part hereof, and included herein by reference

NOTICE BY WRITTEN COMMUNICATION / SECURITY AGREEMENT

This Notice by Written Communication/Security Agreement, hereinafter “Notice by Written Communication," provides
.
JACK JONES, hereinafter ''User,” notice that alleged debtor, i.e. “JOHN H DOE," is a common-law-copyrighted trade
name/trademark of John Henry Doe, hereinafter " Secured Party," and that any unauthorized use of JOHN H. DOE® by User
constitutes copyright/trade name/trade-mark infringement, and all such use is strictly prohibited.
—
All rights reserved re common-iaw copyright of trade- name/trade-mark, JOHN HENRY DOE® -as well as any and all
—
derivatives and variations in the spelling of said trade-name/trade-mark Copyright © 1973 by John Henry Doe®. Said
trade-name/trade-mark, JOHN HENRY DOE®, may neither be used, nor reproduced, neither in whole nor in part, nor in any
manner whatsoever, without the prior, express, written consent and acknowledgement of John Henry Doe as signified by
the red-ink signature of John Henry Doe®, hereinafter “ Secured Party."
With the intent of being contractually bound, any juristic person, e.g. JACK JONES and CHASE, MANN & HATT
MORTGAGE CORPORATION, as well as any agent and any principal of said juristic person, consents and agrees by this
Copyright Notice that neither said juristic person, nor any agent, nor any principal of said juristic person, shall display, nor
otherwise use in any manner, the common-law trade-name /trade-mark JOHN HENRY DOE®, nor any derivative of, nor any
variation in the spelling of, said trade-name/trade-mark, nor the common-law copyright described herein, without the prior,
express, written consent and acknowledgment of Secured Party, as signified by Secured Party’s signature in red ink.
Secured Party neither grants, nor implies, nor otherwise gives consent for any unauthorized use of JOHN H. DOE®, and all
such unauthorized use is strictly prohibited. Secured Party is not now, nor has Secured Party ever been, an
accommodation party, nor a surety, for the alleged debtor, i.e. “JOHN H. DOE," nor for any derivative of, nor for any
variation in the spelling of, said name, nor for any other juristic person, and is so-indemnified and held harmless by JOHN H,
DOE® in Hold-harmless and Indemnity Agreement No. JHD-Q 50690-HHIA dated the Sixth Day Day of the Fifth Month in the
Year of Our Lord One Thousand Nine Hundred Ninety against any and ail claims, legal actions, orders, warrants,
judgments, demands, liabilities, losses, depositions, summonses, lawsuits, costs, fines, liens, levies, penalties, damages,
interests, and expenses whatsoever, both absolute and contingent, as are due and as might become due, now existing and
as might hereafter arise, and as might be suffered by, imposed on, and incurred by JOHN H. DOE® for any and every
reason, purpose, and cause whatsoever.
Self-executing Contract/Security Agreement in Event of Unauthorized Use: By this Notice by Written Communication,
both JACK JONES and CHASE, MANN & HATT MORTGAGE CORPORATION, hereinafter jointly and severally referenced
as “User” in this paragraph, consent and agree that any use of JOHN H. DOE® other than authorized use as set forth above
constitutes unauthorized use, counterfeiting, of Secured Party 's common-law-copyrighted property, contractually binds
User, renders this Notice by Written Communication a Security Agreement, hereinafter “Security Agreement," wherein User
is debtor and John Henry Doe® is Secured Party, and signifies that User: {1} grants Secured Party a security interest in all of
User’s assets, land, and personal property and all of User' s interest in assets, land, and personal property in the sum certain
amount of $500,000.00 per each occurrence of use of Secured Party’s common-law-copyrighted trade-name/ trade-mark,
JOHN HENRY DOE®, as well as for each and every use of any and all derivatives of, and variations in the spelling of, said
common-law trade-name/trade-mark, not excluding “John Henry Doe," plus costs, plus triple damages; (2) authenticates this
Security Agreement wherein User is debtor and John Henry Doe® is Secured Party, and wherein User pledges all of User's:
Respondent s Private International Administrative Remedy Demand No. JHD-032802- JJ
’

Page 1 of 14
295
 assets, land, motor vehicles ; aircraft; vessels , ships; trademarks; copyrights; patents; consumer goods; firearms ; farm
products; inventory; equipment; money; investment property; commercial tort claims; letters of credit; letter- of-credit rights;
chattel paper; electronic chattel paper; tangible chattel paper; certificated securities; uncertificated securities; promissory
notes; payment intangibles ; software; health-care-insurance receivables; instruments; deposit accounts; accounts;
documents; livestock ; real estate and real property —including all buildings, structures, fixtures, and appurtenances situated
thereon, as well as affixed thereto; fixtures; manufactured homes; timber; crops; and as-extracted collateral, i.e. all oil, gas,
and other minerals , as well as any and all accounts arising from the sale of these substances, both at wellhead and
minehead; accessions, increases, and additions, replacements of, and substitutions for, any of the property described
hereinabove in this paragraph; products, produce, and proceeds of any of the property described hereinabove in this
paragraph; accounts, general intangibles, instruments, monies, payments, and contract rights, and all other rights, arising
out of sale, lease, and other disposition of any of the property described hereinabove in this paragraph; proceeds, including
insurance, bond, general intangibles, and accounts proceeds, from the sale, destruction, loss, and other disposition of any
of the property described hereinabove in this paragraph; records and data involving any of the property described
hereinabove in this paragraph, such as in the form of a writing, photograph, microfilm, microfiche, tape, electronic media,
and the like, together with all of User's right, title, and interest in all computer software and hardware required for utilizing,
creating, maintaining, and processing any such records and data in any electronic media, and all of User’s interest in all
such foregoing property in this paragraph, now owned and hereafter acquired, now existing and hereafter arising, and
wherever located, as collateral for securing User’s contractual obligation in favor of Secured Party for User's unauthorized
use of Secured Party 's common-law-copyrighted property; (3) consents and agrees that Secured Party may file a UCC
Financing Statement wherein User is debtor and John Henry Doe® is Secured Party; (4) consents and agrees that said UCC
Financing Statement described above in paragraph “(3)” is a continuing financing statement, and further consents and
agrees with Secured Party ' s filing of any continuation statement necessary for maintaining Secured Party's perfected
security interest in all of User’s property and interest in property pledged as collateral in Security Agreement as described
above in paragraph "( 2)," until User's contractual obligation theretofore incurred has been fully satisfied; (5) authorizes
Secured Party’s filing of any UCC Financing Statement, as described above in paragraphs "(3)" and “(4) ," and the filing of
any Security Agreement, as described above in paragraph "(2)," in the UCC filing office; (6) consents and agrees that any
and all such filings described in paragraphs "(4)" and "(5)" above are not, and may not be considered, bogus, and that User
will not claim that any such filing is bogus; (7) waives all defenses; and (8) appoints Secured Party as Authorized
Representative for User, effective upon User ' s default re User’s contractual obligations in favor of Secured Party as set forth
below under “Payment Terms" and "Default Terms granting Secured Party full authority and power for engaging in any and
all actions on behalf of User including, but not limited by, authentication of a record on behalf of User, as Secured Party, in
accordance with Secured Party’s sole discretion, deems appropriate, and, as regards any deposit account of any kind
maintained with any bank in/ under the name of User, and likewise any deposit account maintained with any bank in/under
the Social Security Account Number of User, notwithstanding the absence of User’ s name as account-holder on any such
deposit account maintained with any bank in/under the Social Security Account Number of User, grants Secured Party full
authority and power for originating instructions for said deposit -account bank and directing the disposition of funds in said
deposit account by acting as signatory on said deposit account without further consent of User and without liability, and
User further consents and agrees that this appointment of Secured Party as Authorized Representative for User, effective
upon User’s default, is irrevocable and coupled with a security interest. User further consents and agrees with all of the
following additional terms: Payment Terms: In accordance with fees for unauthorized use of JOHN H. DOE® as set forth
above, User hereby consents and agrees that User shall pay Secured Party all unauthorized- use fees in full within ten (10)
days of the date User is sent Secured Party's invoice, hereinafter “ Invoice,” itemizing said fees . Default Terms: In event of
non-payment in full of all unauthorized-use fees by User within ten ( 10) days of the date Invoice is sent, User shall be
deemed in default and (a) all of User's property and interest in property pledged as collateral by User, as set forth in above
in paragraph “(2) ,” immediately becomes, i.e. is, property of Secured Party; (b) Secured Party is appointed User' s
Authorized Representative as set forth above in paragraph "(8)"; and (c) User consents and agrees that Secured Party may
take possession of, as well as otherwise dispose of in any manner that Secured Party, in Secured Party’s soie discretion,
deems appropriate, including, but not limited by, sale at auction , at any time following User ' s default, and without further
notice, any and all of User’s former property and interest in property formerly pledged as collateral by User, described above
in paragraph ''(2) ," now property of Secured Party, in respect of this Security Agreement, that Secured Party, again in
Secured Party’s sole discretion, deems appropriate. Terms for Curing Default: In event of default as set forth above under
" Default Terms,” User can cure User’s default and avoid strict foreclosure of any remainder of User's former property that is
neither in the possession of Secured Party, nor otherwise disposed of by Secured Party, only by tendering payment within
twenty (20) days of User’s default and only by payment in full of the balance of the sum certain amount owed by User, as
Respondent’s Private Internationa! Administrative Remedy Demand No. JHD-0328O2-JJ
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noticed User in Invoice, that is not already paid by Secured Party’s possession, sale, liquidation, and the like of User's
former property and interest in property pledged as collateral for securing User’s obligation. Terms of Strict Foreclosure:
User’s non-payment in full of all unauthorized-use fees itemized in Invoice within said twenty- ( 20) day period for curing
default as set forth above under “Terms for Curing Default” authorizes Secured Party’s immediate non-judicial strict
foreclosure on any and all remaining property and interest in property formerly pledged as collateral by User, now property
of Secured Party, which is not in the possession of, nor otherwise disposed of by, Secured Party upon expiration of said
twenty- ( 20) day default-curing period. Ownership subject to common-law copyright and UCC Financing Statement and
Security Agreement filed with the UCC filing office. Record Owner: John Henry Doe®, Autograph Common Law Copyright ©
1973.
Should any provision of this Notice by Written Communication be unenforceable, said unenforceable provision is hereby
severed from this Notice by Written Communication, but every remaining provision continues in full force and effect, and this
Notice by Written Communication is deemed modified in a manner that renders this Notice by Written Communication in full
force and effect. In all cases Secured Party continues without liability and is held harmless. Any prior communication,
written document, and the like by and between User and Secured Party containing any mistake of Secured Party is
invalidated thereby and of no force and effect, and may not be relied upon by User against Secured Party in this matter.
No consent of any kind is granted nor otherwise given re any matter offered/alleged/asserted by User, and Secured Party
withholds all consent. Secured Party will consider granting consent in favor of User only upon User’s full disclosure of any
and all consequences of any such granting of consent, accompanied by User's commensurate attendant liability for the
veracity, relevance, and verifiability of any such disclosure, which liability is borne by User in the form of an authenticated
Security Agreement, wherein User is debtor and John Henry Doe® is Secured Party, that self-executes effective the moment
of Secured Party's confirmation of any material inconsistency/deviation/discrepancy in the aforementioned resultant
consequences avowed by User, as determined solely by Secured Party in Secured Party’s sole discretion.
Alleged debtor, i.e. JOHN H. DOE®, does not take issue with the amount of any alleged debt; rather, alleged debtor asserts
that: the alleged debt is not valid; Secured Party holds a claim/security interest greater than any claim alleged by User, a
certified copy of which UCC Financing Statement evidencing such supreme claim and security interest is attached herewith,
made fully part hereof, and included herein by reference; ana, as stated above, Secured Party is neither a surety, nor an
accommodation party, for alleged debtor, and may not be construed as functioning in such capacity under any
circumstances.
Further, this is a request for validation of any alleged debt and is not a request for a copy of any invoice, statement, bill,
agreement, alleged agreement, contract, alleged contract, and the like, nor is it a request for a copy of any notification of
assignment, negotiation/transfer of rights, nor is it a request for a copy of any other un-verified documenl/presentment
referencing said alleged debt. This request for validation of any alleged debt is a request for bona fide verification of any
alleged debt.
In accordance with law, only duly swom/affirmed affidavits, oaths, and depositions qualify as a verification of the lawful
existence of a bona fide debt. Absent such verification validating the alleged debt, and absent proof of a claim greater than
that of Secured Party, User “fails to state a claim upon which relief can be granted." Wherefore, in accordance with the Fair
Debt Collection Pracf/ces Act, effective immediately upon User’s receipt of this Notice by Written Communication, User must
cease all collection/prosecution efforts against alleged debtor, Secured Party, and Secured Party’s secured private property.
User is hereby notified of the following Privacy Act Notice:
Privacy Act Notice
This written Notice By Written Communication constitutes User's due process notice and opportunity for being heard.
Absent compliance with all requirements set forth herein User is barred from using any defense of immunity from
prosecution for User’s actions, as well as the actions of User’s agents.
By this Notice By Written Communication, User, as well as User’s agents and principals, shall comply with the provisions of
the Privacy Act of 1974, as lawfully amended, 12 U.S.C. § 3401, the Right To Financial Privacy Act of 1978, as lawfully
amended, 5 U.S.C. § 552a, and the Third Party Summons Act, special procedures, 26 U.S.C. § 7609 as lawfully amended,
for assisting Secured Party in keeping inviolate certain constitutionally protected privacy rights.
By this Notice By Written Communication, User, as well as User’s agents and principals, shall comply with this demand:
User shall provide Secured Party with a copy of any express, written authorization from Secured Party whereby User is

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Respondent’s Private International Administrative Remedy Demand No. JHD 032802 JJ
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297
 authorized for disclosing/revealing/divulging/sharing with any third-party, in any manner, as well as by any means of
communication, any information, documentation, data, property, effects, and the like re alleged debtor, JOHN H. DOE®, and
likewise concerning Secured Party. User’s failure in providing said foregoing demanded authorization constitutes admission
by User that User is in violation of the Privacy Act, as well as other laws.
User possesses neither express, written authorization, nor consent, from alleged debtor, JOHN H. DOE®, nor Secured
Party, for using, revealing/disclosing/divulging/sharing with any third party any secured information, documentation, data,
property, effects, and the like of Secured Party.
This Notice By Written Communication is binding upon every principal and agent re the subject matter set forth herein, and
each principal and each agent is: (a) barred from providing any Credit Reporting Agency any derogatory credit information
regarding the above alleged debt; (b) prohibited from contacting alleged debtor by mail, by telephone, as well as in person,
both at alleged debtor’s residence, as well as at alleged debtor’s place of employment; and (c) prohibited from contacting
any other third party regarding the above-referenced alleged debt until User establishes the existence of a superior claim,
greater than that of Secured Party's, and until said alleged debt is verified as indicated above and alleged debtor is provided
with any such verification. Note: the Fair Debt Collection Practices Act a115 USC §1692 et seq. states in relevant part that:
“ A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection
of any debt ," which includes “ the false representation of the character, or legal status of any debt," as well as ' the threat to
take any action that cannot legally be taken," all of which constitute violations of law. Therefore, User, as well as any
assignee, is prohibited from filing any lawsuit, notice of lien, notice of levy, and the like, as well as any other legal action
against alleged debtor, as well as against any of Secured Party' s secured private property, which is exempt from lien and
exempt from lew.

15 U.S.C. § 1692e(8) states: "Communicating or threatening to communicate to any person credit information which is
known or which should be known to be false, including the failure to communicate that a disputed debt is disputed, is a
violation of § 1692e.”
Further, User’s above-referenced written communication, if valid, constitutes an issue of public currency , and, alleged
debtor hereby requests from User, in accordance with the fundamental principals of American jurisprudence and law, bona
fide documentary evidence that establishes the lawful basis for User's issue of said public currency and User’s claim for
payment of the alleged debt liability referenced within User’s written communication issuing the public currency and stating
the claim, i.e.: (a) bona fide identification of any person making request for payment by JOHN H. DOE®, including a copy of
said person’s bona fide, handwritten, legible, and notarized signature, and the thumbprint, from either hand, of said person
making request for payment by JOHN H. DOE®; (b) bona fide evidence of any said person’s authority for making request
for payment by JOHN H. DOE®, if said person is acting on behalf of another, and (c) exhibition of the bona fide instrument,
i.e., the bona fide commercial contract bearing the bona fide signature which supports User's demand for payment of
alleged debt by JOHN H. DOE®, that, operating publicly, establishes User’s issue of public currency, allegedly collectable
from any of: (i) alleged debtor; (ii) alleged debtor 's assets, (iii) Secured Party; (iv) Secured Party’s secured private property;
and (d) positive law in support of User’s written attempt at collecting alleged debt that, operating publicly, establishes User’s
issue of public currency collectable from any of: {i) alleged debtor; (ii) alleged debtor’s assets, (iii) Secured Party; (iv)
Secured Party's secured private property.
Alleged debtor and Secured Party can and will lawfully construe User’s failure re complying with and satisfying essential
requirements of the Fair Debt Collection Practices Act and the above four (4) requests, i.e. "(a),' “(b)," “(c),” and “(d)” in the
paragraph immediately above, within a reasonable time, i.e. twenty-one (21) days, following User’s receipt of this written
communication, as User’s self-invalidation of User’s demand for payment, verification of the alleged debt and satisfaction of
the aforementioned four (4) specific requests must be duly swom/affirmed in the form of one of the following: (a) affidavit;
(b) oath; (c) deposition.
Until the alleged debt is verified in accordance with the Fair Debt Collection Practices Act and said verification is sent
alleged debtor and received by alleged debtor, each and every contact in violation of the Fair Debt Collection Practices Act
constitutes harassment and defamation of character and makes User, as well as any and all agents and principals who take
part in such harassment and defamation, a subject of liability for damages, as well as statutory damages, and legal fees, for
each and every violation, in private capacity.
User, JACK JONES, tacitly consents and agrees that JACK JONES has a duty for preventing this alleged account from
damaging both alleged debtor and Secured Party, and further consents and agrees that alleged debtor and Secured Party
each reserve the right for initiating a counterclaim, as well as a claim, against any of the following: JACK JONES’S bond;
Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ
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JACK JONES'S guarantor; any of JACK JONES’S principals, agents, and assignees whose act( s)/omission(s) results in
either of the following: (a) tort damages against alleged debtor; (b) tort damages against Secured Party.
Due process of law is guaranteed both alleged debtor and Secured Party at Debt Collector's Office of Risk Management,
and is codified at 18 USC §§ 1581, 242, 241, 4, at 15 USC § 1692, and elsewhere.
The attached written communication is Respondent’s response re User's attempt, via written communication, in collecting an
alleged debt.
This Notice by Written Communication/Security Agreement is herewith executed this Twenty-eighth Day of the Third Month
in the Year of Our Lord Two Thousand Two by and between the undersigned parties:
Debtor: JACK JONES
JACK JONES
Debtor's Signature
Secured Party accepts Debtor’s signature in accord with UCC §§ 1-201(39) , 3-401.
Secured Party: John Henry Doe®

Secuwd Party' s Signature / /

Autograph Common Law Copfljgnt © 1973 by John Henry Ooe°. All Rights
Reserved. No part of this Autograph Common Law Copyright made be used,
nor reproduced in any manner, without prior, express, written consent and
acknowledgment of Secured Party as signified by Secured Party' s signature
in red ink. Unauthorized use of "John Henry Doe* incurs same unauthorized-
use fees as those associated with JOHN HENRY DOE®, as set forth above
-
in paragraph *(1)" under “Self executing Contract/Security Agreement in
Event of Unauthorized Use.” Enciosufe; Published Copyright Notice

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Respondent's Private International Administrative Remedy Demand No. JHD 032802 JJ
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 JOHN H. DOE®
P.O. Box 9999
Los Angeles , CA 90010
Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ
This Private International Administrative Remedy Demand No. JHD-032802-JJ is binding upon every principal and agent re
the subject matter set forth herein below.
Date: March 28, 2002
Via: U.S.P.O. Registered Mail Article No. RR777888999US
To: JACK JONES, d.b.a., a Debt Collector, hereinafter "Debt Collector"
CHASE, MANN & HATT MORTGAGE CORPORATION
5143 Tunnel Vision Drive
Columbus, OH 43222
Re: Debt Collector's written communication, hereinafter “Presentment," dated March 15, 2002 referencing:
Alleged Creditor: CHASE, MANN & HATT MORTGAGE CORPORATION
Alleged Account No.: 001-23456789*96
Alleged Amount Due: $135,458.21
Subject: Tender of Payment and Notice of Reservation of Right for Initiating a Counterclaim and for Filing Claim against Bond.
1. Be it known by these presents that JOHN H. DOE®, Respondent, is in receipt of Debt Collector’s above-referenced
presentment, a true and correct copy of which is attached herewith, made fully part hereof, and included herein by
reference.
2. Respondent hereby gives Debt Collector Notice that this written communication is not a refusal for paying the alleged
debt implied by Presentment, but constitutes express, written notice that:
( a) The above-referenced alleged debt is not valid;
(b) Debt Collector’s claim is disputed;
(c) Respondent does not take issue with the amount of alleged debt claimed; and that
(d) Upon receipt of this Notice, Debt Collector must cease all collection activity re the alleged account/debt until
Respondent is sent the herein-requested verification as required by the Fair Debt Collection Practices Act.
Tender of Payment
3. Respondent, without waiver of any defense, and for the purpose of resolving this matter in good faith, hereby tenders
payment in the form of a Certified Promissory Note, also known as an Offer of Performance, both of which are
attached herewith, made fully part hereof, and included herein by reference, for the purpose of discharging the
alleged debt as stated within Debt Collector’s above-referenced Presentment.
4. Respondent retains original of Debt Collector's Presentment as proof Respondent has not dishonored Debt
Collector’s instrument, nor in any way acted in bad faith.
5. Respondent gives Debt Collector Notice that, in accordance with law as codified at 15 USC §1692g(b): “ If the
consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section
that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original
creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector
obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy
of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt
collector." {Underline emphasis added by Respondent.)
6. Be advised that "verification" is defined {in Black’s Law Dictionary. Sixth Edition) as follows: “ Confirmation of
correctness, truth, or authenticity, by affidavit, oath, or deposition. Affidavit of truth of matter stated and object of
verification is to assure good faith in avenvents or statements of party."

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 6 of 14
300
 7. Debt Collector is further Noticed that this is not a request by Respondent for a photocopy of any invoice, statement,
bill, summary, agreement, and the like and that any future communication received by Respondent from Debt
Collector , in written as well as any other form, absent the above- cited requisite ‘Verification of the debt," irrespective
of the inclusion of any photocopy of any related invoice, statement, bill, summary, agreement, and the like,
constitutes Debt Collector ' s tacit admission, confession, and agreement that Debt Collector has no lawful, bona fide,
verifiable claim re the alleged account.
8. Respondent also includes with this written communication, “Debt Collector Disclosure Statement,’’ for the purpose of
ensuring that Debt Collector’s " verification of the debt ’ is executed in accordance with law as codified at 15 USC
1

§1692(g ) , and must be completed in full by Debt Collector and received by Respondent within twenty-one ( 21) days
of Debt Collector’s receipt of this written communication.
Notice of Reservation of Right for Initiating a Counterclaim and Filing a Claim Against Official Bond
9. If Debt Collector, such as by commission, omission, and otherwise:
(a) Fails in giving Respondent full disclosure re the nature and cause of Debt Collector 's claim concerning the
hereinabove- referenced alleged debt;
(b) Makes a false representation of the character of the hereinabove-referenced alleged debt;
(c ) Makes a false representation of the legal status of the hereinabove-referenced alleged debt;
( d) Makes any threat of action that cannot legally be taken, in violation of any applicable law, such as the law
codified at the Fair Debt Collection Practices Act ,
Respondent may initiate a counterclaim and claim against the official bond of Debt Collector, as well as the bond of
any principal, agent, and assignee of Debt Collector, whose acts, as well as omissions , result in Respondent
sustaining any tort injury.
10. Debt Collector is also hereby given notice that:
( a) Debt Collector ' s unsubstantiated demands for payment, a “ scheme or artifice" “ caused to be delivered by mail ,''
may constitute Mail Fraud under State and Federal Laws (Debt Collector may wish to consult with competent
legal counsel before originating any further communication with Respondent); and
(b) Debt Collector's failure in providing Respondent with the requisite verification, validating the above-referenced
alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act and the
corresponding laws of each state, signifies that Debt Collector tacitly agrees that :
(i) Debt Collector has no lawful, bona fide, verifiable claim re the above-referenced alleged account;
(ii) Debt Collector waives any and all claims against Respondent; and
(iii) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and
expenses incurred in defending against this and any and all continued collection attempts re the above-
referenced alleged account.
11. This is also an attempt for determining the nature and basis of a case/counterclaim against Debt Collector, and any
information contained within Debt Collector Disclosure Statement, as well as any information obtained otherwise,
such as by Debt Collector’s commissions , omissions, and the like, will be used for that purpose.
12. Due process of law is guaranteed both alleged debtor and Secured Party at Debt Collector’s Office of Risk
Management, and is codified at 18 USC §§ 1581, 242, 241, 4, at 15 USC § 1692, and elsewhere.
Qptw t4 . Poe 16
JOHN H. DOE*5, Respondent

Enclosures:
Offer of Performance
Certified Promissory Note
Verification of Tender of Payment , Notice of Reservation of Right For Initiating Counterclaim/Filing Claim Against Bond
Debt Collector Disclosure Statement
Respondent's Private International Administrative Remedy Demand No . JHD-032802 -JJ
Page 7 of 14
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 Date: March 28, 2002
Recording Requested by, and
When Recorded Return to:
In care of;
Post Office Box 9999
Los Angeles 90010
California Republic
John Henry Doe
Respondent’s Private International Administrative Remedy Demand No, JHD-032802-JJ
This notice is binding upon every principal and agent re the subject matter set forth herein
Via United States Post Office Registered Mali Article No. RR777888999US
For: JACK JONES, d.b.a. a Debt Collector, hereinafter "Debt Collector"
.
CHASE MANN & HATT MORTGAGE CORPORATION
5143 Tunnel Vision Drive
Columbus, OH 43222
Re: Alleged Creditor: CHASE, MANN & HATT MORTGAGE CORPORATION
Alleged Account No: 001-23456789-96
Alleged Amount Due: $135,458, 21
Subject: Offer of Performance

OFFER OF PERFORMANCE

1. This Offer of Performance is tendered in good faith as full satisfaction of the claim referenced above, with the intent
of extinguishing any alleged debt, duty, obligation, liability, and the like intended as obligating Respondent, JOHN H.
DOE®, named in the hereinabove-referenced Presentment, a copy of which is attached herewith, made fully part
hereof, and included herein by reference .
2. Concerning this Offer of Performance, hereinafter “Offer," re alleged account 001-23456789-96, Debt Collector may:
(a) Accept this Offer;
(b) Reject this Offer;
(c) Object regarding the mode of this Offer,
3. This Offer of payment of that certain sum of money that Debt Collector alleges/asserts, via Presentment, constitutes
Respondent's debt, duty, obligation, and liability, including interest and penalties, is made dependent upon
performance by Debt Collector of Conditions Precedent concerning which Respondent/Offeror is entitled by the
fundamental principles of American Jurisprudence and law; namely, provision by Debt Collector of verification1 of the
alleged debt, accompanied by documentary evidence establishing the factual basis for Debt Collector’s claim for
payment asserted within Debt Collector’s above-referenced Presentment, i.e. validation of Debt Collector's right for
collecting the alleged debt by providing the requisite verification, including:
(a) Copies of all agreements of assignment, negotiation, transfer of rights, and the like, and indicating whether Debt
Collector is the current owner, assignee, holder, holder in due course, etc., with evidence of Respondent’s
consent with any such agreement if a novation;
(b) All relative commercial instruments, contracts, and the like containing Respondent's bona fide signature
(subjective theory);

1 . Verification . Confirmation of correctness, truth , or authenticity, by affidavit, oath, or deposition. Affidavit of truth of matter stated and object of
verification is to assure good faith in averments or statements of party . Black ’s Law Dictionary. Sixth Edition .
Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ
Page 8 of 14
302
 (c) Any e vidence of an exchange of a benefit, as welt as exchange of a detriment (implied contract);
(d) Any evidence of any series of externa! acts giving the objective semblance of agreement (objective theory);
(e) All other documentary evidence between Respondent and Debt Collector that Debt Collector relies upon in
making Debt Collector' s presumptive claim;
(f) Name and address of original creditor; and
(g) A certified copy of any judgment .
4. Respondent/Offeror expects a response re this Offer within a reasonable period of time of receipt of this Offer, which
is hereby set at twenty-one (21) days, not counting day of service.
5. Respondent/Offeror does not waive timeliness. If additional time is needed, however, Debt Collector must make a
-
request in writing before expiration of said twenty one- ( 21) day period described above in paragraph “4," setting forth
Debt Collector's reasons for requesting such extension of time with good cause shown. Respondent/Offeror will
consider any such request for extension of time, the granting of which, however, is conditioned solely upon the
decision of Respondent/Offeror.
6. Respondent/Offeror hereby gives Debt Collector notice that, as an operation of law as codified at California Civil
Code § 1485 and California Code of Civil Procedure § 2074, respectively:
(a) An obligation is extinguished by an offer of performance, made in conformity with the rules prescribed, and with
the intent of extinguishing the obligation;
(b) An olfer in writing for paying a particular sum of money, as well as for delivering a written instrument/specific
personal property, is, if not accepted , the equivalent of the actual production and tender of the
money/instrument/property .
7. in event that Debt Collector does not respond re this Offer within the prescribed time limit for response, and there has
likewise been no request for extension of time, with good cause shown therein, within said time period, then Debt
Collector tacitly agrees that Debt Collector has no bona fide, lawful, verifiable claim re this alleged account, that Debt
Collector waives any and all claims against Respondent, and that Debt Collector tacitly agrees that Debt Collector
must compensate Respondent for all costs, fees, and expenses incurred defending against any collection attempts
by Debt Collector re the above-referenced alleged account ,
8. Respondent also expressly includes with this Offer of Performance, “Debt Collector Disclosure Statement,” attached
herewith, made fully part hereof , and included herein by reference, for ensuring that Debt Collector clearly and
conspicuously makes all required disclosures in writing in accordance with applicable portions of Truth in Lending
{ Regulation Z) 12 CFR 226. Debt Collector Disclosure Statement must be completed by Debt Collector and received
by Respondent within twenty-one ( 21) days of Debt Collector’s receipt of this Offer of Performance if Debt Collector
wishes Debt Collector's claim considered by Respondent.
9. Debt Collector also tacitly consents and agrees that Debt Collector has a duty for preventing this alleged account
from damaging Respondent in any way , Debt Collector confesses judgment and Respondent reserves the right for:
(a) Initiating a counterclaim against Debt Collector,
(b) Filing claim against the bond of any responsible party, including Debt Collector and ail principals, agents, and
assignees of Debt Collector, whose acts/omissions result in tort damages against Respondent/Offeror.
10. Due process of law is guaranteed both alleged debtor and Secured Party at Debt Collector's Office of Risk
Management, and is codified at 18 USC §§ 1581, 242, 241, 4, at 15 USC § 1692, and elsewhere.
Dated: March 28, 2002
Signed:

JotW R. PoS
Respondent/Offeror

Witness... Witness...
Respondent's Private International Administrative Remedy Demand No. uHD-032802-JJ
Page 9 of 14 ^ 303
 ,Z4 PS «?3 W
»
1 / ,]
wsM
i

CERTIFIED PROMISSORY NOTE m

i
Note Number JHD--032802-JJ Date: March 28, 2002
i
I ft
II Pay to the
Order of; **** CHASE, MANN & HATT MORTGAGE CORPORATION * *** $135,458.21
1
m
n
l

Pi' *** One Hundred Thirty-five Thousand Four Hundred Fifty-eight and 21 / 100* * * DOLLARS
This Instrument is tendered by the Undersigned Respondent, JOHN H. DOE, hereinafter “Maker,” in good faith, and in
m accordance with law, as codified at UCC §§ 1-103, 1-104, 1-201(4)(28)(30), 3-103{a){6), 3-104(a)(b) and Public Policy at
House Joint Resolution 192 of June 5, 1933, as full satisfaction of a alleged debt claimed and allegedly owed in favor of J

Payee herein, i.e. CHASE, MANN & HATT MORTGAGE CORPORATION, d.b.a. a debt collector, as per Payee's/Debt
Collector's Presentment:
:
II
Alleged Creditor: CHASE, MANN & HAH MORTGAGE CORPORATION
/ .
Alleged Account No.: 001-23456789-96
m
U. ' Alleged Amount Due: $135,458.21
i
A true and correct copy of Presentment is attached hereto, made fully part hereof, and included herein by reference. This 0
ft
statement constitutes Maker’s promise for paying this instrument upon presentment and indorsement, at Maker’s location. 1
II
as As an operation of law, Payee/Debt Collector tacitly consents and agrees that there is accord and satisfaction by use of <
I
this instrument for satisfying Payee's/Debt Collector's claim and Maker is hereby discharged from liability on this alleged P,
account and the obligation is suspended in accordance with law as codified at UCC §§ 3-310(b), 3-311, and 3-603. r-

4,
Maker does not waive timeliness. However, if Payee/Debt Collector needs additional time, Payee/Debt Collector must 2
Im present Maker with a written request for additional time within a reasonable time, setting forth the reasons Payee/Debt §
Collector requests an extension of time, with good cause shown. The acceptability of any such request received by Maker
i from Payee/Debt Collector is conditional upon approval by Maker. i
m
a In the event this instrument is not presented for payment within a reasonable period of time, and there has been no c
i

m request for an extension of time with good cause shown, Payee/Debt Collector tacitly consents and agrees that Payee/Debt
Collector has no bona fide verifiable claim re this alleged account.
* f.
17 /
:

0
m Payee/Debt Collector tacitly consents and agrees that Debt Collector has a duty for preventing this alleged account from M!
m damaging Maker in any way, and that Debt Collector confesses judgment and Maker reserves the right for initiating a m
M
o counterclaim against Debt Collector, and for filing a claim against the bond of any responsible party, including Debt Collector
m and all principals, agents, and assignees of Debt Collector, whose acts/omissions result in tort damages against Maker.

1
m
X
n
s 9.

a
Dated: March 28, 2002

.. jNLoof
®
JOHN H. DOE , Respondent/Maker
*
a
.
;•

m
n Witness Witness...1
M
Authorized person indorse below. Print name and official title when presenting this In/rufient foifl ment. Government-issued ID with m
an
m
^
photograph required, i.e. only the following types of ID accented: state-issued Drivers Li&srfee: state-issued Identification Card; Passport.
1
i
0

it
nr
Printed Name of Indorser Form of Photo Identification
K §
Official Title of Indorser Form of Official Identification 0
i
Date of Presentment and Indorsement Signature of Indorser n. 7 ^
Right Thumb Print ME

Recording Requested by, and

When Recorded Return to: Date: -•*
JOHN H. DOE®
P.O. Box 9999
Los Angeles, CA 90010

i
i
Respondent’ s Private International Administrative Remedy Demand No, JHD-032802- JJ
>i L>
Page 10 of 14
M
i XM
-
GJiny ) GOES 511
All ftitfhls Ru served
LiTHO . !N IJ S A
 VERIFICATION OF TENDER OF PAYMENT and
NOTICE OF RESERVATION OF RIGHT FOR INITIATING COUNTERCLAIM and
FOR FILING CLAIM AGAINST BOND
Respondent’s Private International Administrative Remedy Demand, No. JHD-032802*JJ
Introductory Certification

The Undersigned, JOHN H. DOE®, hereinafter “Declarant,” does herewith solemnly swear, declare, and state that:
1. Declarant can competently state the matters set forth herewith.
2. Declarant has personal knowledge of the facts stated herein.
3. Declarant has read and signed this Verification of Tender of Payment and Notice of Reservation of Right for Initiating
Counterclaim and For Filing Claim Against Bond, hereinafter “Tender and Reservation of Right."
Plain Statement of Facts
4. This Tender and Reservation of Right is not interposed for purpose of delay.
5. This Tender and Reservation of Right does not prejudice CHASE, MANN & HATT MORTGAGE CORPORATION in this
matter.
6. Declarant does not join in any merits of Presentment of JACK JONES, d.b.a., a Debt Collector.
Verification and Certification
7. The Undersigned Declarant, JOHN H. DOE6, i.e. Declarant, does herewith swear, declare, and affirm that Declarant
executes this Tender and Reservation of Right with sincere intent, that Declarant can competently state the matters set forth
herein, that the contents are true, correct, complete, and certain, not misleading, and the truth, the whole trnth, and nothing
but the truth as per the best of Declarant's knowledge and understanding.
Further Declarant saith naught.
Dated: March 28, 2002
Signed:
<S>
JOHN H. DOE , Declarant

Witness .... Witness

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 11 of 14
305
 DEBT COLLECTOR DISCLOSURE STATEMENT
Re “Offer of Performance”
This statement and the answers contained herein may be used by Respondent, if necessary, in any court of competent jurisdiction.

Respondent ' s Private International Administrative Remedy Demand No. JHD- 032802- JJ
Notice : This Debt Collector Disclosure Statement is not a substitute for, nor the equivalent of, the hereinabove-requested
verification of the record, i.e. “ Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition" (Black’ s Law
Dictionary, Sixth Edition, 1990), re the alleged debt, and must be completed in accordance with the Fair Debt Collection
Practices Act , 15 USC §1692g, applicable portions of Truth in Lending ( Regulation Z) , 12 CFR 226, and demands as cited
above in Offer of Performance. Debt Collector must make all required disclosures clearly and conspicuously in writing re the
following:

1. Name of Debt Collector:

2. Address of Debt Collector:
3 . Name of alleged Debtor:
4 . Address of alleged Debtor:
5 . Alleged Account Number:
6 . Alleged debt owed: $
7. Date alleged debt became payable:
8 . Re this alleged account, what is the name and address of the alleged Original Creditor, if different from Debt Collector?

9. Re this alleged account, if Debt Collector is different from alleged Original Creditor, does Debt Collector have a bona fide
affidavit of assignment for entering into alleged original contract between alleged Original Creditor and alleged Debtor?
YES NO
10. Did Debt Collector purchase this alleged account from the alleged Original Creditor? YES NO N/A (Not Applicable)
11. If applicable, date of purchase of this alleged account from alleged Original Creditor, and purchase amount:
Date: . Amount: $
12. Did Debt Collector purchase this alleged account from a previous debt collector? YES NO N/A
13 . If applicable, date of purchase of this alleged account from previous debt collector, and purchase amount:
Date: Amount: $
14. Regarding this alleged account, Debt Collector is currently the:
(a) Owner; (b) Assignee; (c) Other - explain:

15 . What are the terms of the transfer of rights re this alleged account?

16. If applicable, transfer of rights re this alleged account was executed by the following method :
(a) Assignment; (b) Negotiation; (c) Novation; (d) Other - explain:

Respondent’ s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 1.2 of 14
306
17 . If the transfer of rights re this alleged account was by assignment, was there consideration? YES NO N/A
18. What is the nature and cause of the consideration cited in # 17 above?

19. If the transfer of rights re this alleged account was by negotiation, was the alleged account taken for value?
YES NO N/A
20. What is the nature and cause of any value cited in #19 above?

21. If the transfer of rights re this alleged account was by novation, was consent given by alleged Debtor? YES NO N/A
22. What is the nature and cause of any consent cited in # 21 above?

23. Has Debt Collector provided alleged Debtor with the requisite verification of the alleged debt as required by the Fair Debt
Collection Practices Act? YES NO
24. Date said verification cited above in # 23 was provided alleged Debtor:

25. Was said verification cited above in # 23 in the form of a sworn or affirmed oath, affidavit, or deposition? YES NO
26. Verification cited above in # 23 was provided alleged Debtor in the form of: OATH AFFIDAVIT DEFOSTION

27. Does Debt Collector have knowledge of any claim(s)/defense( s) re this alleged account? YES NO
28. What is the nature and cause of any claim(s)/defense{s) re this alleged account?
29. Was alleged Debtor sold any products/services by Debt Collector? YES NO
30. What is the nature and cause of any products/services cited above in # 29? i «I

M l
m i H H i

31. Does there exist a verifiable, bona fide, original commercial instrument between Debt Collector and alleged Debtor
containing alleged Debtor’s bona fide signature? YES NO
32. What is the nature and cause of any verifiable commercial instrument cited above in # 31?

33. Does there exist verifiable evidence of an exchange of a benefit or detriment between Debt Collector and alleged Debtor?
YES NO
34. What is the nature and cause of this evidence of an exchange of a benefit or detriment as cited above in # 33?

35. Does any evidence exist of verifiable external act( s) giving the objective semblance of agreement between Debt Collector
and alleged Debtor? YES NO
36. What is the nature and cause of any external act( s) giving the objective semblance of agreement from #35 above?

37. Have any charge-offs been made by any creditor or debt collector regarding this alleged account? YES NO
38. Have any insurance claims been made by any creditor or debt collector regarding this alleged account? YES NO
Respondent’s Private International Administrative Remedy Demand No JHD-032802- JJ
-
Page 13 of 14
307
 39 , Have any tax write-offs been made by any creditor or debt collector regarding this alleged account? YES NO
40 , Have any tax deductions been made by any creditor or debt collector regarding this alleged account? YES NO
41. Have any judgments been obtained by any creditor or debt collector regarding this alleged account? YES NO
42. At the time the alleged original contract was executed, were all parties apprised of the meaning of the terms and
conditions of said alleged original contract? YES NO
43 . At the time the alleged original contract was executed, were all parties advised of the importance of consulting a licensed
legal professional before executing the alleged contract? YES NO
44 , At the time the alleged original contract was executed, were ail parties apprised that said alleged contract was a private
credit instrument? YES NO
Debt Collector’s failure, both intentional and otherwise, in completing /answering points "1” through "44" above and returning
this Debt Collector Disclosure Statement, as well as providing Respondent with the requisite verification validating the
hereinabove-referenced alleged debt, constitutes Debt Collector’s tacit agreement that Debt Collector has no verifiable, lawful,
bona fide claim re the hereinabove-referenced alleged account, and that Debt Collector tacitly agrees that Debt Collector
waives all claims against Respondent and indemnifies and holds Respondent harmless against any and all costs and fees
heretofore and hereafter incurred and related re any and all collection attempts involving the hereinabove-referenced alleged
account ,
Declaration: The Undersigned hereby declares under penalty of perjury of the laws of this State that the statements made in
this Debt Collector Disclosure Statement are true and correct in accordance with the Undersigned’s best firsthand knowledge
and belief.

Date Printed name of Signatory

Official Title of Signatory Authorized Signature for Debt Collector

Debt Collector must timely complete and return this Debt Collector Disclosure Statement, along with all required documents
referenced in said Debt Collector Disclosure Statement. Debt Collector’s claim will not be considered if any portion of this
Debt Collector Disclosure Statement is not completed and timely returned with all required documents , which specifically
includes the requisite verification, made in accordance with law and codified in the Fair Debt Collection Practices Act at 15
USC §1692 et seq., and which states in relevant part: “A debt collector may not use any false, deceptive, or misleading
representation or means in connection with the collection of any debt ," which includes “ the false representation of the
character, or legal status of any debt ," and “ the threat to take any action that cannot legally be taken," all of which are
violations of law . If Debt Collector does not respond as required by law, Debt Collector ' s claim will not be considered and
Debt Collector may be liable for damages for any continued collection efforts , as well as any other injury sustained by
Respondent. Please allow thirty (30) days for processing after Respondent's receipt of Debt Collector’s response.

Respondent’ s Private International Administrative Remedy Demand No , JHD -032802 -JJ

Pagc 14 of 14
308
DOE, JOHN HENRY ®
.
P O. Box 9999, Los Angeles, CA 90010

INVOICE
Verified Statement of Account
Non-Negotiable - Private Between the Parties
Account Debtor: Account Creditor:
LAWRENCE D. MITCHELL John Henry Doe®
MITCHELL & GREENE, L.L.P. In care of : Post Office Box 9999
9500 Wilshire Boulevard Los Angeles 90010
Beverly Hills, CA 90212 California Republic

In accordance with notice and terms contained within that certain private, consensual contract by and between
Account Debtor LAWRENCE D. MITCHELL and Account Creditor John Henry Doe®, i.e. "Notice by Written
Communication/Security Agreement” dated March 14, 2002, received and executed by LAWRENCE D. MITCHELL on
March 15, 2002 and March 20, 2002, respectively, an accounting of unauthorized-use fees incurred by LAWRENCE
D. MITCHELL, current as of the date of this Invoice, re LAWRENCE D. MITCHELL’S use of Account Creditor's private,
common-law copyrighted property, is set forth as follows:
Principal Amount Unauthorized-Use Locator Occurrences of Use Extended Amount
$500,000.00 Written communication dated March 11,
2002, signed by LAWRENCE D , MITCHELL 3 1 ,500,000.00
$500,000.00 NOTICE OF LIS PENDENS dated April 22,
2002, signed by LAWRENCE D. MITCHELL 3 1,500,000.00
$500,000.00 COMPLAINT TO FORECLOSE MORTGAGE
AND ENFORCE LOST LOAN DOCUMENTS
dated April 22, 2002, signed by LAWRENCE
D. MITCHELL 9 4.500.000.00
Grand Total: $7.500.000.00

The total amount of this Invoice is Seven Million Five Hundred Thousand United States Dollars
($7,500,000.00). This amount is now due and owing. Payment in full is herewith demanded. Remit to:
John Henry Doe®
in care of: Post Office Box 9999
Los Angeles 90010
California Republic

This invoice is dated: the Twenty-Ninth Day of the Fourth Month in the Year of Our Lord Two Thousand Two.
The Undersigned, John Henry Doe®, does herewith swear, declare, and affirm that the Undersigned has examined
this invoice and any accompanying schedules, statements, and documents and that, in accordance with the best of
the Undersigned ' s knowledge and belief , this statement of account is true, correct, and complete. This declaration
of John Henry Doe® is based on all information of which John Henry Doe® has any knowledge.

Signed:

Invoice Page 1 of 1

309
 Affidavit of John Henry Doe®, by Special Visitation

Affiant, who goes by the appellation John Henry Doe®, a living, breathing, flesh-and-
blood man under the laws of God, being of sound mind, and over the age of twenty-one,
whose advocate is Jesus , the Christ , reserving all rights, being unschooled in law, and who
has no bar attorney , is without an attorney , and having never been represented by an attorney ,
and not waiving counsel, knowingly and willingly Declares and Duly affirms, in accordance with
law , in special visitation, in good faith , with no intention of delaying , nor obstructing , and with
full intent for preserving and promoting the public confidence in the integrity and impartiality of
the judiciary , that the following statements and facts, by special visitation in the matter(s) in re
Case No. CR 02-1234 JSS and any matter relating to this, are of Affiant’s own firsthand
knowledge, does solemnly swear , declare, and depose: that Affiant is competent to state the
matters set forth herein; that Affiant has personal knowledge and belief of the facts stated
herein; and all the facts stated herein are true , correct , complete, and certain.

This declaration of facts is based on Affiant’s own firsthand knowledge and belief; mark
Affiant ’ s words;

1. Affiant goes by the appellation John Henry Doe®; Affiant is a living , moral being
endowed with unalienable rights to life, liberty, property, papers and effects, and all
substantive rights of California state.
®
2 . Affiant owns the name John Henry Doe® and the trade-name JOHN HENRY DOE , as
well as any and all derivatives and variations in the spelling of said trade-name, and
speaks only for John Henry Doe®, and is no other, and is surety for no other, and
speaks for no person, juristic person, entity , individual, group, organization,
association, voluntary association, joint-stock association, company, co-partnership,
firm, order/society, both aggregate and part of any aggregate/automatic
aggregate/public utility aggregate, organized and incorporated/not incorporated, and is
not misrepresenting Affiant, and has not duly granted, ratified, bargained for, gifted,
sold, optioned, donated, and the like any power of appointment, special power of
appointment , general power of appointment in trust, nor any general nor special

Page 1 of 4

310
 franchise, nor elective franchise, of name , character , living body, and the like in favor
of any other, for any consideration, including but not limited by any option/opting , any
promises, implied promise, successive promises, agreement, supposed agreement,
fiction, forbearance, grace, creation , modification, destruction, and the like of a legal
relation, trade name, trademark , service mark, title, titles, return promise, and the like ,
bargained for and given in exchange for a promise, privileges or benefits, reciprocity,
any indemnity , mutual indemnification, any future interest, and the like.

3. Affiant is a sovereign who takes up housekeeping in the geographic region known as

California Republic .

4. Affiant is neither a surety, nor an accommodation party, for any juristic person.

5. Affiant neither granted JUDAS S. SQUIRE permission for using, nor authorized
JUDAS S. SQUIRE’S use of, the name JOHN HENRY DOE®, also known by any and
all derivatives and variations in the spelling of said name except “John Henry Doe,” at
any time without consideration for the use of said name.

6. Affiant neither granted RACHEL M. STEWART permission for using, nor authorized
RACHEL M. STEWART’S use of, the name JOHN HENRY DOE®, also known by any
and all derivatives and variations in the spelling of said name except “John Henry
Doe,” at any time without consideration for the use of said name.

7. Affiant neither granted DAVID A. COOPER permission for using, nor authorized
DAVID A . COOPER’S use of, the name JOHN HENRY DOE® , also known by any and
all derivatives and variations in the spelling of said name except “John Henry Doe,” at
any time without consideration for the use of said name.

9. Affiant neither granted COUNTY OF LOS ANGELES permission for using , nor
©
authorized COUNTY OF LOS ANGELES’S use of, the name JOHN HENRY DOE
also known by any and all derivatives and variations in the spelling of said name
except "John Henry Doe,” at any time without consideration for the use of said name .

10. Affiant neither granted STATE OF CALIFORNIA permission for using , nor authorized
STATE OF CALIFORNIA’S use of, the name JOHN HENRY DOE®, also known by any
and all derivatives and variations in the spelling of said name except “John Henry
Doe, ” at any time without consideration for the use of said name.

Page 2 of 4

311
 11. Affiant neither granted SUPERIOR COURT OF THE STATE OF CALIFORNIA
permission for using , nor authorized SUPERIOR COURT OF THE STATE OF
CALIFORNIA ’S use of, the name JOHN HENRY DOE®, also known by any and all
derivatives and variations in the spelling of said name except “John Henry Doe, " at any
time without consideration for the use of said name.

12 . Affiant did inform all parties involved in this matter that Affiant ' s papers and effects
were private property, and that Affiant's private papers and effects could not be used
by any of the parties in any manner without consideration.

13. Affiant states: no commercial consensual encounter took place even if so construed by
any of the parties, and Affiant apologizes for any such construction, for it was a
mistake.

14. Affiant neither disturbed the peace, nor the dignity, of County of Los Angeles, nor
COUNTY OF LOS ANGELES, at any time.

15. Affiant neither disturbed the peace, nor the dignity, of State of California, nor STATE
OF CALIFORNIA, at any time.

16. Affiant neither disturbed the peace, nor the dignity, of United States, nor UNITED
STATES, at any time,

17. Affiant neither disturbed the peace, nor the dignity, of United States of America, nor
UNITED STATES OF AMERICA, at any time.

18. Regarding and any all documents other than those initiated/put forth by Affiant, i.e.
documents such as this Affidavit, Affiant states that any and all ink-marks appearing
within the signature space of any and all such documents re Case No. CR 02-1234
JSS do not comprise Affiant’s signature, as Affiant’s signature appears only where
knowingly, willingly, and voluntarily executed following full disclosure of all terms and
conditions of any and all contracts/commercial agreements, as well as all terms and
conditions of any unrevealed contract/commercial agreement.

19. Affiant states that jurisdiction is neither conferred, nor implied , nor granted by Affiant re
Case No. CR 02-1234 JSS.

20. Currently Affiant is unjustifiably threatened by fraud, and irreversible harm continues
accruing against Affiant.
Page 3 of 4

312
 21. AN of the above - cited actions by the aforementioned trusted public servants are
aga inst the peace and dignity of Affiant.

Any man, as well as any woman, who intends rebutting this Affidavit of John Henry Doe
shall do so in the manner of this Affidavit , by signing any such Affidavit using Christian
name/baptisrrial name/name given at birth, given in upper- and lower-case format, not set in
all-capital letters, being a fully liable , living, breathing man/woman, responsible/ liable for
everything that such man/woman says and does . Any such Affidavit must be sent so as to be
received by the notary public named at the address given below within five (5) days, lest a
judgment of “ non pros" be obtained, with a notice claim of triple damages . “Non Pros” is an
abbreviation of “non prosequiturJ’, which is a judgment at common law entered at instance of
defendant when plaintiff at any stage of proceedings fails to prosecute his action or any part of
it, in due time .

Affiant , John Henry Doe , Common Law trade-name/trademark copyright © 1973, a

living , breathing, flesh-and-blood man, does swear and affirm on Affiant’s own unlimited
commercial liability , that Affiant has scribed and read the foregoing facts contained in this
Affidavit , and that, in accordance with the best of Affiant ’ s firsthand knowledge and conviction,
such are true, correct, complete, and not misleading, the truth, the whole truth, and nothing but
the truth.

This Affidavit is dated: the First Day of the Third Month in the Year of Our Lord Two Thousand
Two

By :
®
Autograph Common Law Copyright 1973 by John Henry Doec, EID # 1234-56789 . All rights reserved. No part
of this Autograph Common Law Copyright may be used, nor may said copyrighted property be reproduced in any
manner, without prior, express, written consent and acknowledgment of John Henry Doe® as signified by John
Henry Doe° ' s signature in red ink. Unauthorized use of "John Henry Doe" incurs same unauthorized-use fees as
those associated with JOHN HENRY DOE®

Mail recipient and address for return correspondence:

Beverly L. McDonald, Notary Public
123 Elrn Street
Los Angeles, CA 90033

Page 4 of 4
313
 CERTIFICATION OF NON-RESPONSE
The Undersigned, BEVERLY L. MCDONALD, a Notary Public for the State of California, hereby certifies
that, as of this date, November 12, 2001, the Undersigned has received no correspondence for John Henry
Doe from any of the following parties:

• JUDAS S. SQUIRE
• RACHEL M. STEWART
• DAVID A. COOPER

The Undersigned swears under penalty of perjury of the laws of the State of California that the foregoing is
true, correct, and complete in accordance with the Undersigned's best firsthand knowledge and belief.

BEVERLY L. MCDONALD, Notary Public

State of California )
) ss.
County of Los Angeles )

314
 How to Sign Your Signature Without Liability

An Overview

Big Brother ' s master plan to subjugate the entire human race is utterly dependent on people
continuing to volunteer for and finance their own enslavement . Without such largesse1 from
the public, the Chosen Masters face certain calamity and exposure for their crimes.
Heretofore , system operatives have been overwhelmingly successful at duping unwitting
victims into “ volunteering” for virtually every kind of financial hell imaginable . And make no
mistake : it is purely voluntary.

The system is working exactly as it is designed to do, and the chroniclers of chaos proudly
trumpet their statistics as they inch forward in their dreams of total world domination:
“ Bankruptcy filings reach record 1.5 million
“NEW YORK - Bankruptcy filings surged 19% to a record 1.5 million last year, as
businesses and consumers struggled under heavy debt loads during the economic slowdown .
“Consumer bankruptcies, which accounted for 97% of all filings , jumped 19%, while
business bankruptcies rose 13%, according to data released Tuesday by the Administrative
office of the U .S. Courts....” (USA TODAY, February 20, 2002)

It is no coincidence that the introduction and popularity of the real-estate board game,
Monopoly , parallels the history of the Moneychangers ’ financial conquest of America,
2
culminating with its copyright by Parker Brothers in 1935, the same time that we converted
over from a substance- (gold) backed currency to a belief- (credit) backed currency. The
game’s logo even confesses the caricature of a white-mustachioed English banker ,
complete with top hat, tails, and cane .

The objective in the board game of Monopoly is to drive into bankruptcy all other
— 3
players an arrangement otherwise known as a “tontine wagering scheme” and so it is in —
real life. If you examine the nature of economics in America today you will see that
1
everyone is competing for the same , rationed amount of “Monopoly money ,”4 called
Federal Reserve Notes, "FRNs ,” and attempting to “stay above water” and avoid
bankruptcy . This is , by definition, a de facto state of war between participants in both the —
board game and the game of life. The only way to stay in the game of Monopoly and
avoid bankruptcy is to obtain more Monopoly money from other players . The only way to
stay in the game of life and avoid bankruptcy is to somehow obtain more FRNs from the
“other players” around you. In both , the outcome is inevitable.

The longest-running game of Monopoly lasted 70 days, but still ended the same way as
all others before and since: with one player acquiring all the wealth and all the other players
bankrupt . Unfortunately, there can be no other final conclusion in the “Federal-Reserve-
Note game of life ” either , no matter how long you stretch it out —unless, of course, you
simply stop volunteering to play the game!

Largesse : Generous giving; gift; bounty.

2
The Bankruptcy Act America’s first such legislation , followed shortly thereafter, as well.
3
Tontine : [It . tontina, after its inventor, Lorenzo Tonti, aNeopolitan] A financial arrangement in which a group of
participants share in the arrangement’s advantages until all but one has died or defaulted , at which time the whole
goes to that survivor.
1
All money is borrowed into existence, and more money is owed than physically exists because of the requirement
for making interest payments on the principal amount loaned . The principal comprises all the money there is, but
interest payments have to come from somewhere ; thus the depletion of the money supply .
How to Sign Your Signature Without Liability Page 1 of 7
315
 Volunteering

The most devastating form of “volunteering' occurs when someone promises and people
—
1

do this unflinchingly every single day to be responsible for, and pay the debt of, another
—
party. Believe it or not, this is how every unwary soul has sealed his fate. The “TRADE
NAME game," i. e. that which the content of this book is dedicated to exposing, untangling,
and rectifying, has an evil twin that works in concert with it. As you will discover toward the
end of this article, the Legal Masters of the World are factually eminently aware of the
distinction between your true name and TRADE NAME and have come up with an
incredibly ingenious device for exploiting the difference without tipping their hand.

The reason that every complaint unfailingly cites the defendant’s/respondent ’s name in all-
capital letters; the reason the name on every license is set in CAPITAL LETTERS; the
reason the name on every Social Security card has been converted from English (as
originally written on the application) into legalese; the reason that all banks insist on listing
ail accounts not in the true name of the party who walks in and fills out the forms, but in the
artificial TRADE NAME associated therewith, is the same: to conduct business with you via
an unknown, invisible, corporately colored artificial person that is subject to all statutory
regulation and therefore under their complete control and power. The same applies equally
when either of the two names is called out verbally .5 Remember : differently constructed
names comprise distinct items of property , however similar. Filing a UCC Financing
Statement is the first step in releasing yourself from these bonds; the second is cessation of
volunteering to be responsible for the TRADE NAME'S obligations by signing on its behalf.

When someone signs his name on a commercial instrument listed in his straw man’s
TRADE NAME he finalizes his financial obligations in that particular transaction , and also
contributes just that much more in the Chosen Masters' designs for a New World Order ,
That “Order” is an ^ economic pecking order,” with them owning literally everything at the
top, and you and your family and friends owning nothing (including your labor) at the
bottom.
Article 3 (Negotiable Instruments) of the Uniform Commercial Code has been written to
augment the liabilities that come with signing on behalf of another, but has also been
encrypted to keep curious slaves from finding out how they are being duped Because the .
Legal Masters of the World cannot bind us into perpetual servitude without also offering a
route for escape, we have remedy in the UCC .
Unraveling the Mystery

The key entry point into Article 3 on the subject of signatures is this:

“ .. . The general rule is that a signature is an indorsement if the instrument does not indicate
an unambiguous intent of the signer not to sign as an indorser. Intent may be determined by
words accompanying the signature, the place of signature , or other circumstances....” UCC
3-204, Note 1, paragraph 2. (Underline emphasis added)

Even without defining the key term, “indorser," the meaning is clear; in the absence of
indicating “an unambiguous intent,” a signature can be construed as an “indorsement.”

5
This point is thoroughly addressed in the discussion on “appellation ” in Section 1, “ Maintaining Fiscal Integrity,”
in the segment entitled “ The Underlying Con Beneath the Con,” beginning on page 10 of that essay.
Page 2 of 7 How to Sign Your Signature Without Liability
316
 “‘Indorser’ means a person who makes an indorsement.” UCC 3-204(b).
“* Indorsement’ means a signature, other than that of a signer as maker, drawer, or acceptor,
that alone or accompanied by other words is made on an instrument for the purpose of (ii )
negotiating the instrument, (ii) restricting payment of the instrument, or (iii ) incurring
indorser ’ s liability on the instrument, but regardless of the intent of the signer, a signature
and its accompanying words is an indorsement unless the accompanying words, terms of the
instrument, place of the signature, or other circumstances unambiguously indicate that the
signature was made for a purpose other than indorsement. For the purpose of determining
whether a signature is made on an instrument, a paper affixed to the instrument is a part of
-
the instrument.” UCC 3 204(a). (Underline emphasis added)

Makers , drawers , and acceptors are the primary types of signers of negotiable instruments:

• “‘Maker’ means a person who signs or is identified in a note as a person undertaking to pay.”
UCC 3-103(5).

• “‘Drawer’ means a person who signs or is identified in a draft as a person ordering payment.
UCC 3-103(3).

“‘Acceptor’ means a drawee who has accepted a draft. ” UCC 3-103(1) ,

• ‘“ Drawee” means a person ordered in a draft to make payment. UCC 3-103(2).
Accommodation Parties

How could one sign a negotiable instrument (irrespective of the signer 's awareness that
what he is signing is a negotiable instrument) and incur liability as anything other than a
maker, drawer , or acceptor? Answer: As an "accommodation party .”

Accommodation party is described in Note 1 under UCC 3-419:

“ .. . An accommodation party is a person who signs an instrument to benefit the

accommodated party either by signing at the time value is obtained by the accommodated
party or later, and who is not a direct beneficiary' of the value obtained. An accommodation
party will usually be a co-maker or anomalous indorser ....” (Underline emphasis added)

In the UCC, one of the meanings of value is, essentially, “credit." You qualify on this point
because you have been the sole source of credit for your TRADE NAME since inception
(birth), and are not a direct beneficiary of the value given (what you get is liability ) .

The meaning of co-maker can be deduced from the definition of maker above—but is
nevertheless a subordinate identifier in respect of accommodation party .

Anomalous means “departing form the common rule; irregular.” The UCC defines
anomalous indorsement as follows:

“‘ Anomalous indorsement’ means an indorsement made by a person who is not the holder of
the instrument . An anomalous indorsement does not affect the manner in which the
instrument may be negotiated.” UCC 3-205(d). (Underline emphasis added)

How to Sign Your Signature Without Liability Page 3 of 7

317
 An anomalous indorsement is made by a party that is not the holder of the instrument (/.e.
no rights in the instrument), and qualifies, nevertheless, as a valid endorsement (even
though not specifically that of maker, drawer , or acceptor), and would not adversely affect
the negotiability of the instrument. That this Section is imbued with vagueness opens the
door for other factors to enter in, but we are not told what those factors might be (the
purpose of “codes”).

Summing up on accommodation party : someone who signs on behalf of another for the
purpose of benefiting that party, and who also is not a direct beneficiary of the value
obtained by the accommodated party . An accommodation party is not a maker, not a
drawer, and not an acceptor, but has an “anomalous” role in the indorsement process.
Apparently, an accommodation party bears full liability for the accommodated party, but
stands to gain nothing by participating. This is obviously the most inferior status one can
have, because he is completely out of control of his own destiny, based on the mischief that
the TRADE NAME gets into and the misadventures that follow thereafter.

Wrapping up on accommodation party , the worst (kiss of death) has been saved for last:

“ An accommodation party is always a surety.” UCC 3-419, Note 3, paragraph 2.

As you know from “The Curse of Co-Suretyship” in Section 3, a surety is utterly responsible
for anything and everything that the principal debtor is responsible for, including both
payment and specific performance. An accommodation party is automatically and always a
surety for the accommodated party.

When you, the flesh-and-blood man/woman, sign an instrument (even if you do not know
that you are signing a negotiable instrument, such as a traffic ticket) bearing the straw
man’s TRADE NAME, you are signing as an accommodation party and bear full personal
responsibility and accountability for whatever the straw man has gotten itself into, including
the potential for incarceration. Remember: a surety is an equal of the principal. The
creditor is authorized to treat the surety exactly as though the surety were the principal
debtor, and extract both payment and specific performance. Since your straw man is rather
difficult to locate and identify (no physical existence), you and your body serve nicely.

Light at the End of the Tunnel

Now for the $64 question: How can you avoid ever being considered as an accommodation
party, your signature ever being construed as an accommodation signature? The answer is
found in Notes 1 and 2 of Section 3-402:

“1. Subsection (a) states when the represented person is bound on an instrument if the
instrument is signed by a representative. If under the law of agency the represented person
would be bound by the act of the representative in signing either the name of the represented
person or that of the representative, the signature is the authorized signature of the
represented person . .. (Underline and bold emphasis added)

“2. ... Subsection (b)(1) states that if the form of the signature unambiguously shows that if
it is made on behalf of an identified represented person (for example ‘P, by A, Treasurer’)
the agent is not liable. This is a workable standard for a court to apply . ...” (Underline and
bold emphasis added)

Page 4 of 7 How to Sign Your Signature Without Liability

318
Translation: You are removed from the realm of liability of being construed as a maker ,
drawer , acceptor, or accommodation party (and therefore , as a surety) by unambiguously
identifying your signature as that of “Authorized Representative.”

Signing in this fashion removes all doubt (“unambiguously indicates”) re the exact
identification of the signing party . It also relieves the signer of all legal fiability for the
principal's (“represented person ’s”) obligation.

The key is to be as unambiguous and as expositional as you can , to reveal as much as

possible about your agency status in however little space you have to work with on the
instrument. Writing “ above and below” works also, as long as it is unambiguous . Some
interchangeable examples of workable signatures:

• JOHN HENRY DOE®, by fo4* Authorized Representative

• JOHN TT. DOE®, by foU °
Voe , Auth. Rep .

• JOHN DOE , by 0
ZWr. Agent
• By order of: JOHN HENRY DOE®, by foAtt, ZWu , Authorized Representative
By order of: JOHN H. DOE0, byjW# ZWe, Auth. Rep.
• By order of: JOHN DOE0, by foLt ZWV, Agent
• By wC* ‘WcwKf. ZWS, Authorized Representative
•
^
By {hfa ewuf, £W°, Auth . Rep.
^
• By foA . "ZeKfUf, ZW", Agent
*
• By order of : JOHN HENRY DOE®,
by ft 'ZcKitf . ZW®, Authorized Representative
• By order of: JOHN H. DOE®,
by fo4# Z?«®, Auth . Rep.
• By order of: JOHN DOE®,
by feA ytitvuf. ZW®, Agent
*
Also inserting the words, “Authorized Signature,” in a conspicuous, unambiguous manner ,
(such as below the signature line) helps in indicating signer’ s agency status .

Total Confirmation from Big Brother of the Validity of What We are Doing

The final segment of this short essay reveals something that will convince even the fiercest
naysayer ( at least those who are not on Big Brother’s payroll) of the correctness of our
hunches and the criminal intent of the Legal Masters of the World.

Looking at Note 3 of UCC 3-402, which has to do with checks, we find:

“ Subsection 3 is directed at the check cases . It states that if the check identifies the
represented person (sic) the agent who signs does not have to indicate agency status.
Virtually all checks used today are in personalized form (sic ) which identify' the person on
whose account the check is drawn . In this case nobody is deceived into thinking that the
person signing the check is meant to be liable . . . . ’ (Underline emphasis added )
'

How to Sign Your Signature Without Liability Page 5 of 7

319
 Therefore , apparently :
• When the name of the “ represented person” is printed on the face of the check, any agent
signing for the represented person need not indicate agency status:
• Virtually all checks used today are “ personalized ” to identity the account holder; and
• Since virtually all checks used today are personalized , nobody is deceived into thinking that
the person signing the check is meant to be liable if he is signing as an agent.

Follow this procedure :

• Go online and pull up: www.Deluxe.com ;
• Under “Personal Checks,” click on “Browse Our Full Line of Check Designs”;
• Wait a few moments while the next page, “Deluxe Personal Checks Catalog,” comes up;
• Click on “About Checks” and then scroll down to “Check Security Features”; and
• Observe the arrow marked, “ MicroPrinting,” and pointing at the signature line of the check

Next, take out one of your personal ( not business) checks and place it under a magnifying
glass or microscope . Place it so the signature line is directly under the lens. Below is a
blowup of what you will see when you scrutinize the line:

.. URE AUTHORIZED SIGNATURE AUTHORIZED SIGNATURE AUTHORIZED SIG...”

Editing Note 3 of UCC 3-402 from above:

“In this case nobody \except the signer } is deceived into thinking that the person signing the
check is meant to be liable . ”

Deluxe openly prints out the words “Authorized Signature” underneath the signature line on
business checks, but disguises the same proclamation on personal checks. The reason the
signature line on a personal check is made up of the words, “AUTHORIZED SIGNATURE ,"
is because it is a physical impossibility that the account holder will ever sign the check. The
account holder is an artificial person , e. g. “JOHN HENRY DOE ,” and exists in name only .
The Fed knows that every signature appearing on a personal check is the signature of the
flesh-and-blood agent, the authorized representative. However , this fact must be concealed
in order to cause the signer to believe that he is the principal, when he actually signs on as
accommodation party, i. e. surety , and therefore 100% liable for everything the principal is
liable for . This applies in every signature on every document , not just personal checks.

Deluxe and other check-manufacturing companies must do this if they want to sell personal
checks to Fed customers. Apparently , this is how the Fed justifies their deceit and duplicity:

“We told ‘ em . We put it right there on the check leaf. We can’ t help it if they’re too stupid
to know that they are the authorized representative . When they decided to accept
responsibility as the accommodation party for the account holder, they did so voluntarily .
We can’t help it if they volunteer to do something. We did everything we could to make it
easier for them . We even personalized the checks with the account holder’ s name and
spelled out “ AUTHORIZED SIGNATURE" right there on the signature line to save them the
headache of having to write out “ Authorized Representative ” every time they signed a check .
We can’t be blamed for their ignorance .”

Page 6 of 7 How to Sign Your Signature Without Liability

320
We were not supposed to find out about this device—but its existence is a full-blown
confession and acknowledgment and validation of everything propounded in this book re
the distinction between true name and TRADE NAME . Big Brother knows precisely what it
is doing re subjugating us via the names. Welcome to the real world.

Your Signature

If UCC-delineated check-signing procedures are so important for Federal Reserve owners

and the manufacturers of checks used within that system, it should be important for you, as
well. The overwhelming significance of Fed acknowledgment of the difference between the
names by virtue of the inclusion of this artifice on every check cannot be exaggerated, In
fact , this discovery alone is conclusive proof of their deceit in every controversy involving
the TRADE NAME. I Remember , the Fed literally owns the government , and therefore
everything in America. This is confirmed in Senate Document 43 , 73rd Congress, 1st
Session ( see entry by the same name in Glossary ).

The message : you do not have to continue to volunteer to be responsible for the TRADE
NAME’S obligations, financial and otherwise. You can begin affixing your signature in the
proper fashion now that you know the truth. You can always prove that you are nothing
more than the authorized rep merely by pointing out the statement made on the signature
line of your checking account .

This phenomenon has unlimited application in your life . It is so profound that if someone
were to be arrested and subsequently asked to sign a bond, he could do so as set forth
above and incur zero liability for ever having anything to do with either the bond or the
criminal charge associated therewith. The distinction between the parties is undeniable .

In closing , the check-signature- line subterfuge can be used to prove the legal correctness of
what we are doing with anyone , including a stubborn secretary of state who refuses to file a
financing statement based on the hackneyed ruse that you are contracting with yourself. If
there were no difference between TRADE NAME and true name, the Fed would not have
taken such extreme measures to conceal the fact that the signer of a personal check is only
the agent. This revelation should bring about a sharp improvement in the lives of (former)
slaves whenever a signature is required (see success story #9 in ‘‘Real World Successes”
for an actual example of the application of this knowledge) .

How to Sign Your Signature Without Liability Page 7 of 7

321
 Helpful Notes for Pressure Situations

Strategic Thought

The best solution for courtroom situations is to try to conduct your life so none of its
officers ever feel a need, nor ever have a reason, to speak with you about anything.
Doing business with these characters on their terms is not much different than falling
—
into quicksand. The entire system top to bottom, inside and out has been —
constructed over the millennia with a mind for treachery and deceit, and is corrupt
literally beyond your present comprehension. It is a self-aggrandizing, enslavement
system designed for the express purpose of punishing ail outsiders for the crime of
being an outsider. You need to take every possible precaution to avoid slipping into its
clutches. You are the declared enemy in war of those who own and dictate over the
system; as long as you know this, you have a decent chance of survival. You will suffer
in direct proportion to the degree you believe this not to be true. Once you have fallen
prey, there is precious little you can do to escape its wrath. Fact: there are more
Americans in jail, on probation, and on trial per capita than in any other country in the
world, including communist China, where 15 - 20 people are executed every day . What
you “see" in America is not what you get. America has been converted into a movie set
with false fronts and phony actors pretending to be your friend. Trust Big Brother with
—
any information about yourself and it will be used against you no matter the pledge
—
used to extract it without exception.
So, the basic message here is: don’t do anything iliegal, reduce all unnecessary traffic
with Big Brother, and do not do anything to excite its curiosity or animosity, both
behaviorally and financially. Do the right thing at all times.

Tactical Thought
For those who have had the misfortune to be dragged into Big Brother’s meat grinder,
the following ideas are offered:
You are not your name . Names are property and your name is your property, no matter
what form it appears in. Your TRADE NAME® is common-law copyright; your True
Name® is autograph-common-law copyright . Any name used by anyone in the system
to identify/reference you is your property and cannot be lawfully taken without incurring
the obligation of compensating you.

Your name is not copyrighted statutorily because you are a flesh-and-blood man not a —
—
corporation and deal exclusively in the common law . Since the law cannot compel
impossibilities, you only have one option, common law, which you have accessed by
copyrighting your property.

The entire issue revolves around someone using your property without compensating
you. As in all other commercial transactions in life, if someone wants to use your
property, he has to pay. Publishing your Copyright Notice and obtaining an affidavit of
publishing from the newspaper , and then recording an original copy of the affidavit (after
having made a few certified copies via “Copy Certification by Document Custodian")
cements your standing in law (common taw) and your supreme claim re your property.

Page I of 4 Helpful Notes for Pressure Situations

322
They are holding the wrong guy . Per your Hold-harmless and Indemnity Agreement you
have a statement from the TRADE NAME® indemnifying True Name ® and holding that
party harmless for whatever trouble comes his way . TRADE NAME® acknowledged
that you are neither a surety , nor an accommodation party , for the TRADE NAME ®,
which has indemnified you for any of its misadventures. They kidnapped you and are
holding you for ransom because of his alleged troubles. You are neither the guy that ' s
in trouble, nor are you responsible in any way for the guy that is allegedly in trouble.

The judge (" Mr , [ LAST NAME], ’’ or “ Sir”) has taken your property and is using it without
your authorization and without compensating you. Following notification of the terms of
the use of your property, the judge consents and agrees with granting you a security
interest in all his assets , land, and property for the purpose of securing payment from
him for the obligation incurred. In the event he elects to execute the contract , you
already have a signed security agreement from him: his all- caps TRADE-NAME
signature appears on the signature line of the security agreement in typewritten form —
valid signature per UCC §§ 1-201(39) and 3-401.

Note: The same type of mechanism that IRS uses to sign on your behalf is used to
obtain the typewritten signature of the agent principal using your TRADE NAME for
financial gain without compensating you: 26 USC 6020. Notice of Deficiency; Refund for
Fraud. Ordering a meal in a restaurant incurs a common-law obligation to compensate
the provider of the food and executes the contract without signature. Voluntary use of
the TRADE NAME after having been noticed of fees for its use likewise executes the
contract and incurs the obligation of payment without signature. The unauthorized
user ’ s signature on the security agreement authorizes the filing of a UCC Financing
—
Statement a claim against everything the unauthorized user owns—and cannot be
invalidated (obligation of contracts is inviolate) . The contract is purely private and
purely consensual. Many, even at higher levels of government, have tried to remove/
disqualify/invalidate/negate such filings , all unsuccessfully so.

—
The only reason you are on their turf is for the purpose of doing business even though
it is ail a case of mistaken identity and they have the wrong guy in custody. Since they
do not have your authorization for using your property you must enforce the terms of the
consensual contract regarding payment .
Before using the techniques outlined below , you should be very familiar with the
concepts as set forth in the two sets of sample dialogue between Judge and Sovereign,
and Motorist and Policeman , respectively , as set forth in Section 1, “ Maintaining Fiscal
Integrity.”

When your TRADE NAME is called ($ 500,000.00 for each use , both verbal and
written), speak up and convey any of these thoughts as well as you can at any
particular time that seems appropriate:

• “The name you just called is common-law-copyrighted property and l am the

holder of the copyright, the Secured Party in all transactions concerning
unauthorized use thereof. You may address me as “Secured Party ” [respond to
no other name]. The party you call the ‘defendant , ’ the party you call a ‘person,’
is a registered copyright , i . e. my copyrighted property . You do not now have , nor
have you ever had, my permission to use my private property . You have been

Helpful Notes for Pressure Situations Page 2 of 4

 properly noticed of the fee for each unauthorized use of my property , so I can
interpret your actions in no other way than you want to do business. Repeated
use after notification of fees removes it from the realm of ‘error .’”

• “You do not have my authorization to use my property at any time without

compensating me. If you want to withdraw from the consensual contract at this
point in time , and cease using my property in any manner, and guarantee that
none of your associates will likewise ever use my property again for any reason, I
would be amenable to forgiving all unauthorized use fees incurred heretofore.
However, any instance of additional use of my property at any time by either you
or any of your associates confirms and executes the consensual contract and
security agreement now in your possession concerning our business
arrangement. The terms of our consensual contract reflect everything I am
saying here. ”

• “The only reason I am here is to do business—because you are holding the

wrong party , and holding him against his will. If you want to do business, then
let ’ s do business—otherwise let's call off the whole thing right now and go home.”

• “Since you insist on using my property , you have two options: (1) you can show
me the law that allows you to take my private property without compensating me;
or (2) you can pay me. If you cannot produce the law that supports your actions,
let ’ s do business! The first thing I want to know is ‘How are you going to pay
me? Do you understand the charges as set forth in our agreement ?’ You can
read our consensual contract if you are not familiar with the terms of the strict
foreclosure, which will be enforced . As soon as you execute the agreement and
the security interest attaches, any transfer of title of anything you own is a
fraudulent conveyance and any such transaction will be reversed. "
If the judge uses the property one more time after proper notice has been given:

• “ Since you are going forward with the use of my private property without my
authorization we are now under contract and I demand to be paid , with or without
your cooperation. Your only option is to show me the law that allows you to take
my private property and use it without compensating me in accordance with our
agreement . If you are having second thoughts about our agreement you can still
do something about it while I am here , but once I walk through that door, the deal
is sealed. What do you want to do?”

If the judge ever asserts that there is no contract:

• “ Let the record show that the judge has asserted that there is no contract
between him and me . If this statement is true then there is no reason for me
being held here against my will, and I request the order of the court be released
to me immediately. What ’s it going to be? Do we have a agreement or not ? Do
you understand ?"

The judge will try everything in his power to get you into contract with him on his terms
(statutory). Literally, the only reason you are consenting to be there is to do business.

Page 3 of 4 Helpful Notes for Pressure Situations

324
tf he uses any derivative (alteration of name) of your property, he enters the contract
and you must demand payment as just compensation for its use.
You can also bring up the following at any time:

• “You have counterfeited my property1 and I am entitled to treble damages for

whatever harm you have caused (15 USC 1117(b))."

• “You are holding the wrong guy , It appears that you have kidnapped me and are
now holding me for ransom based solely on his alleged misconduct . Is this true?
Am I in debtors’ prison? Are you going to put me in debtors’ prison? You have
trespassed on my private property and now have a fiduciary responsibility to
investigate what I have told you concerning ownership of the property that you
have trespassed against before you proceed any further.”
Note: Acceptance and registration of the private contract by the Secretary of State
proves that you are not the TRADE NAME because it is unlawful for someone to
contract with himself and the Secretary of State does not accept bogus filings r . e.
there are two different parties involved here and the name they are going after is the
—
TRADE NAME, not you.
In Closing
It can be fatal to corner a judge and embarrass him in front of his contemporaries,
however right you may be. With this philosophy in mind, try to temper your comments
and demands so as to open the door to possible reconciliation. You most certainly are
holding all the Aces concerning all property registered in the name and Social Security
Account Number of that judge' s TRADE NAME. The more confident, self assured, and -
well spoken you are, the better the chance the judge will have of realizing that you can
do what you say. If you invoke his ire he may victimize you just to get even, no matter
what penalties he may face down the road. The judge has so many crimes against
people (hence the need for official immunity) that he can lash out automatically , with no
more reason in the act than a compulsion to strike back. Realize that you are on enemy
turf , respect your enemy for who he is and the power that he has, and make the best of
it.

Enhanced damages for use of counterfeit marks. 15 ILS.C. § 1117(b). A counterfeit mark is one which is
substantially indistinguishable from a registered mark . "[Ujnless the court finds extenuating circumstances," the
court shall award the plaintiff treble damages.

Helpful Notes for Pressure Situations Page 4 of 4

325
 Part III

Section 11

ApPendiX
 POSTMASTER: PLEASE POST IN A CONSPICUOUS PLACE. JAMES A. FARLEY, Postmaster General

UNDER EXECUTIVE ORDER OF

THE PRESIDENT
Issued April 5, 1933
ad persons are required to deliver
ON OR BEFORE MAY 1, 1933
all GOLD COIN, GOLD BULLION, AND GOLD
CERTIFICATES now owned by them to a Federal
Reserve Bank, branch or agency, or to any member
bank of the Federal Reserve System .
Cxecuttoe (0rber
FORBIDDING THE HOARDING OF GOLD COIN GOLD BULLION
AND GOLD CERTIFICATES
. .
Section 4 Upon receipt of gold coin gold bullion or gold certificates delivered to il in
accordance with Sections 2 or 3, the Federal reserve bank or member bank will pay therefor an
By virtue of the authority vested in me by Section 5( b ) of the Act of October 1917 t » equivalent amount of any form of coin or currency coined or issued under the laws of the United
amended by Section 2 of the Act of March 9, 1933 , entitled ” An Act to Provide Relief in the States.
Existing Emergency in Banking, and for other purposes” in which Amendatory Act Congress Section 5. Member bonks shall deliver all gold coin, gotd bullion and gold certificates owned
declared that a serious emergency criil »t I. Franklin D . Roosevelt, President of the United States or received by them (other than aa exempted under the provision of Section 2) to the Federal
of America, do declare that said national emergency Jtili continues to exist, and pursuant to said reserve banks of their respective districts end receive credit or payment therefor .
Section do hereby prohibit the hoarding of gold coin, gold bullion, and gold certificates within Section 6. The Secretary of the Treasury, out of the sum made available to the President by
the continental United States by individuals, partnerships, associations and corporations, and Section 301 of the Act of March 9, 1933, will in all proper cases pay the reasonable costs of
hereby prescribe the following regulations for carrying out Che purposes of this Order . transportation of gold coin, gold bullion or gold certificates delivered to a member bank or
.
Section i For the purposes of this regulation the term "hoarding” means the withdrawal .
Federal reserve bank in accordance with Sections 2, 3 or S hereof , including the cost of
and withholding of gold corn, gold bullion’ or gold certificates from the recognized and customary insurance, protection, and luch other incidental costs » may be necessary, upon production of
channels of trade. The term “person ” means any Individual , partnership, association or satisfactory evidence of such costs. Voucher farms for this purpose may be procured from
corporation. Federal reserve banks
Section 2. All persons are hereby required to detiver on or before May l, 1933, to a Section 7. In cases where the delivery of gold coin, gold bullion or gold certificates by the
Federal Reserve Bank or branch or agency thereof or to any member bank of the Federal Reserve owners thereof within the time set for the above will involve extraordinary hardship or difficulty,
System all gold coins, gold bullion, and geld certificates now owned by' them or coming into their the Secretary of the Treasury' may, in hit discretion, extend the time within which such delivery
.
ownership on or before April 23. 1933 except the following: must be made Applications for such extensions must be made in writing under oath, addressed
< aj Such amount of gotd as may be required for legitimate and to the Secretary of the Treasury and filed with a Federal reserve bank. Each application must state
customary use in industry', professions, or art within a reasonable time, the dale to which the extension is desired, the amount and location of the gotd coin, gold bullion
excluding gold prior to refining and stocks of gold tn reasonable amounts and gold certificates in respect of which luch application is made and the facts showing extension
for the usual true requirements of owners mining and refining such gold. lobe necessary to avoid extraordinary hardship or difficulty.
( b) Gold coins and gold certificates in an amount not exceeding in the Section ft. The Secretary of the Treasury is hereby authorized and empowered to i siue such
aggregate $ 100 belonging to any one person; and gold coins having a further regulations as he nray deem necessary to carry out the purpose of this order and to issue
recognized special value to collectors or rare and unusuat coins. licenses thereunder, through each offices or agencies as he may designate, including licenses
(c) Gold coin and bullion earmarked or held in trust for a recognized permitting the Federal reserve banks and member banks of the Federal Reserve System , in return
foreign government (or foreign central bank or the Bank for International for an equivalent amount of other coin, currency or credit, to deliver , earmark or hotd in trust
Settlements). gold coin and bullion to or for ptrsons showing the need for the same for any of the purposes
(d ) Gold coin and bullion licensed for other proper transactions ( not specified in Paragraphs (a ), (c ) and (d ) of Section 2 of these regulations.
-
Involving hoarding) including gotd coin and bullion imported for re export .
Section 9 Whoever wilfully violates any provision of this Executive Order or of these
or held pending action on application for export licenses regulations or of my rule, regulation or license issued thereunder may be fined not more than
Section 3. Until otherwise ordered by any other person becoming the owner of any gotd coin, .
i 10,000 of if i natural person, may be imprisoned for not more than ten years, or both and any
.
gold bullion or gold certificates after Aprit 23 1933, shatl within three days after receipt thereof,
deliver die same in the manner prescribed in Section 2: unleu such gold coin, gold bullion or gold
officer, director or agency of any corporation who knowingly participates in any such violation
may be punished by a like fine, imprisonment , or both.
certificates ire held for any of the purposes specified fn paragraphs (a ), (b), or (c) of Section 2;
Of unless such gold coin, or gold bullion is held for pu oses specified This order and these regulations may be modified or revoked at any time .
in paragraph (d) of Section
for license pending action thereon.
^
2 and the person holding it is, with respect to such gold coin or bullion, a licensee or applicant
FRANKLIN D. ROOSEVELT
THE WHITE HOUSE
Apn\ 5 1931 .
Further Information Consult Your Local Bank
GOLD CERTIFIC ATES may be identified by the words “ GOLD CERTIFIC ATE
appearing thereon . The serial number and the Treasury seal on the face of a GOLD
"
CERTIFIC ATE are printed in YELLOW , Be careful not to confuse GOLD
CERTIFIC ATES with other issues which are redeemab le in gold but which are not
GOLD CERTIFIC ATES . Federal Reserve Notes and United States Notes
are
“ redeemab le in gold " but are not “ GOLD CERTIFIC ATES ” and
are not required to be surrender ed .
Special attention is directed to the exceptions allowed under
Section 2 of the Executive Order
CRIMINA L PENALTI ES FOR VIOLATIO N OF EXECUT IVE ORDER

328
Code of Federal Regulations
Title 27, Volume 1 , Parts 1 to 199
Revised as of April 1 , 1999
CITE: 27 CFR 72.11

-
TITLE 27 ALCOHOL, TOBACCO PRODUCTS AND FIREARMS

CHAPTER I BUREAU OF ALCOHOL, TOBACCO AND FIREARMS, DEPARTMENT OF THE TREASURY

PART 72

Section 72.11
—
Subpart B Definitions
Meaning of terms.
(4) A common or contract carrier transporting the
cigarettes involved under a proper bill of lading or freight bill
As used in this part, unless the context otherwise requires, terms which states the quantity, source, and destination of the
shall have the meanings ascribed in this section . Words in the plural cigarettes;
fpim shall include the singular, and vice versa, and words importing (5) Licensed or otherwise authorized by the State where
the masculine gender shall include the feminine. The terms the cigarettes are found to account for and pay cigarette taxes
“includes” and “ including" do not exclude things not enumerated imposed by that State; and who has complied with the
which are in the same general class. accounting and payment requirements relating to the license or
A TF Officer. An officer or employee of the Bureau of Alcohol, authorization with respect to the cigarettes involved ; or
Tobacco, and Firearms. (6) An agent of the United States, of an individual State,
( ATF) duly authorized to perform any function relating to the or of a political subdivision of a State and having possession of
administration or enforcement of this part cigarettes in connection with the performance of official duties.
Appraised value. The value placed upon seized property or (7 ) Operating within a foreign -trade zone, established
carriers by the appraiser or appraisers designated for the purpose of under 19 U.S.C. 8 lb, when the cigarettes involved have been entered
determining whether the property or carriers may be forfeited into the foreign-trade zone under zone-restricted status or when
administratively . -
foreign cigarettes have been admitted into the foreign trade zone but

^^^
Carrier A vessel, vehicle, or aircraft seized under 49 U.S.C. j iot been entered into the United States.
Chapter 11 for having been used to transport, carry , or conceal a KKntraband firearm. A firearm with respect to which there has
contraband firearm or contraband cigarettes. Vessels, vehicles, or committed a violation of the National Firearms Act (26 U.S.C , .
aircraft seized under other provisions of applicable laws shall Chapter 53) or any regulation issued thereunder,
considered personal property. Director. The Director , Bureau of Alcohol, Tobacco, and
Commercial crimes. Any of the following types of crimes Firearms, the Department of the Treasury, Washington , DC.
(Federal or State): Offenses against the revenue laws; burglary; Equity. As used in administrative action on petitions for
counterfeiting; forgery; kidnapping; larceny; robbery; illegal sale or remission or mitigation of forfeitures, shall mean that interest which
possession of deadly weapons; prostitution ( including soliciting, a petitioner has in the personal property or carrier petitioned for at
procuring, pandering, white slaving, keeping house of ill fame, and the time of final administrative action on the petition, but such
like offenses); extortion ; swindling and confidence games; and interest shall not be considered to include any unearned finance
attempting to commit, conspiring to commit , or compounding any charges from the date of seizure or the date of default , if later; any
of the foregoing crimes. Addiction to narcotic drugs and use of amount rebatable on account of paid insurance premiums; attorney's
marihuana will be treated as if such were commercial crime. fees for collection; any amount identified as dealer's reserve; or any
Contraband cigarettes. Any quantity of cigarettes in excess of amount in the nature of liquidated damages that may have been
60,000, if: agreed upon by the buyer and the petitioner.
(a) The cigarettes bear no evidence of the payment of applicable Person. An individual, trust, estate, partnership, association ,
State cigarette taxes in the State where the cigarettes arc found ; company or a corporation.
( b) The State in which the cigarettes are found requires a stamp, Re-appraisal. An up-to date statutory appraisal to determine the
-
impression , or other indication to be placed on packages or present value of the property or carrier involved in a petition for
other containers of cigarettes to evidence payment of cigarette remission or mitigation of forfeiture made in the same manner as the
taxes; and original appraisal , and performed at the written request of the
(c) The cigarettes are in the possession of any person other than petitioner whose petition in regard to the property or carrier has been
any person who is: allowed and who, for reasonable cause, is not satisfied that the
( 1 ) Holding a permit issued under 26 U.S.C. Chapter 52 as original appraisal represents the present value of the property or
a manufacturer of tobacco products or as an export warehouse carrier.
proprietor; Region. A Bureau of Alcohol, Tobacco, and Firearms Region.
( 2) Operating a customs bonded warehouse under 19 U .S.C. The United States Code.
U.S.C, 1311 or 1555;
( 3) An agent of a tobacco products manufacturer, an
export warehouse proprietor, or an operator of a customs
-
[T. D. ATF 48, 43 FR 13535, Mar. 31, 1978; 44 FR 55841, Sept 28,
1979, as amended by T.D. ATF-65, 45 FR 8593, Feb. 8, 1980; T. D .
bonded warehouse; -
ATF 183, 49 FR 37061, Sept. 21 , 1984]

329
 Re Prisoners, Prisons, and Courts
i
§ 7102. Definitions and Index of Definitions

(1) In this division, unless the context otherwise requires:

(a) “Bailee” [US Marshal] means the person who by a warehouse receipt, bill of lading
or other document of title acknowledges possession of goods and contracts to
deliver them.
(b) “Consignee” [Judge] means the person named in a bill to whom or to whose order
the bill promises delivery.
(c) “Consignor” [Prosecutor] means the person named in a bill as the person from
whom the goods have been received for shipment.
(e) “Document” [Mittimus 1 Paper] means document of title as defined in the general
definitions in Division 1 (Section 1201).
(f ) “Goods” [Prisoner] means all things which are treated as movable for the purposes
of a contract of storage or transportation.
(g) “Issuer” [Clerk of Court ] means a bailee who issues a document. Issuer includes
any person for whom an agent or employee purports to act in issuing a document, if
the agent or employee has real or apparent authority to issue documents,
notwithstanding that the issuer received no goods or that the goods were
misdescribed or that in any other respect the agent or employee violated his
instructions.
(h) “Warehouseman” [Warden] is a person engaged in the business of storing goods
for hire.
(2) Other definitions applying to this division or to specified chapters thereof, and the
sections in which they appear are:
“Duly negotiate.” Section 7501.
“Person entitled under the document.” Section 7403(4).
(3) Definitions in other divisions applying to this division and the sections in which
they appear are:
“Contract for sale.” Section 2106.
“Overseas.” Section 2323.
“Receipt” of goods. Section 2103.
(4) In addition Division 1 contains general definitions and principles of construction
and interpretation applicable throughout this division. (Stats.1963, c. 819, § 7102.)

Mittimus: [Law Latin "we send ’] A court order or warrant directing a jailer to detain a person until
5

ordered otherwise . Black ’s 7th In criminal practice . The name of a precept in writing, issuing from a
,

court or magistrate, directed to the sheriff or other officer , commanding him to convey to the prison the
person named therein, and to the jailer, commanding him to receive and safely keep such person until he
shall be delivered by due course of law . Black ’s 1 st.

33 »
BETTY H. RICHARDSON
United States Attorney
United States Attorney ’s Office
Box 32 r,
Boise, Idaho 83707
'
iVi
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r o
I
'
7
Telephone: ( 208 ) 334-1211 O

RICHARD R. WARD
i .4
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1
1

Trial Attorney, Tax Division

u.s. Department of Justice
.
P.O Box 683
Ben Franklin Station
Washington, D.C. 20044-0683
Telephone: ( 202) 307-5867

Attorneys for the United States of America

IN THE UNITED STATES DISTRICT COURT FOR THE
DISTRICT OF IDAHO
DIVERSIFIED METAL PRODUCTS t )
INC ,. ) dt -u.
7
)
Plaintiff, )
)
v. ) Civil No. 93 -405-E-EJL
)
-
T EOW COMPANY TRUST, INTERNAL
REVENUE SERVICE, and STEVE
) UNITED STATES 1 ANSWER AND CLAIM
)
MORGAN, )
)
Defendants. )
)
)
The United States of America, through undersigned counsel

hereby responds to the numbered paragraphs of plaintiff ’s

complaint as follows:
1. The United States is without information or knowledge
sufficient to form a belief as to the truth of the allegations
contained in paragraph 1 and , on that basis, denies the
allegations.
Certified to be a true and correct
copy of original filed in my office
Cameron S. Burke , Clerk
United States Courts, District of Idaho
UNITED STATES ANSWER AND CLAIM - 1
By: QdJJhj
Depuiiiy . /] Dated
.
tL:3A r. oo

V
t
^
•

331
 .
9393990P ANS

2 . The United States is without information or knowledge

sufficient to form a belief as to the truth of the allegations
contained in paragraph 2 and , on that basis, denies the
allegations.
.
3 The United States is without information or knowledge
sufficient to form a belief as to the truth of the allegations
contained in paragraph 3 and , on that basis, denies the
allegations.
4. Denies that the Internal Revenue Service is an agency
of the United States Government but admits that the United States

of America would be a proper party to this action , Admits that

the IRS has served a Notice of Levy on plaintiff for funds owed
to defendant Steve Morgan.
5. Admits that the IRS has made a demand on plaintiff for
payment of funds owed to Steve Morgan, The United States is
without information or knowledge sufficient to form a belief as
to the truth of the remaining allegations and , on that basis,
denies the remaining allegations.
6 . Admits that Exhibits A and B are attached and are
respectively , a copy of a letter from Lonnie Crockett and a copy
of a Notice of Levy served by the IRS.

7. The United States is without information or knowledge

sufficient to form a belief as to the truth of the allegations
contained in paragraph 7 and , on that basis, denies the
allegations.

UNITED STATES ANSWER AND CLAIM -2

312
 9393990P.ANS

8. Admits that copies of two checks in the amounts of

$ 504.00 and $345.60 are attached to the complaint as Exhibit C.
9. The United States is without information or knowledge
sufficient to form a belief as to the truth of the allegations
contained in paragraph 9 and , on that basis, denies the
allegations.
10 . Paragraph 10 contains allegations of law to which no

response is required.

11 . Paragraph 11 contains allegations of law to which no

response is required .
FIRST DEFENSE

Plaintiff is not entitled to an award of attorney fees or

costs that would diminish the recovery of the United States.
SECOND DEFENSE

The Internal Revenue Service is not a proper defendant and

the United States should be substituted in its place .

THIRD DEFENSE
The United States has not waived its sovereign immunity to

suit.
FOURTH DEFENSE

Plaintiff's complaint should be dismissed for insufficient

service of process on the United States.
FIFTH DEFENSE
Plaintiff's complaint fails to state a jurisdictional basis
for suit .

UNITED STATES ANSWER AND CLAIM - 3

333
 9393990P.ANS

CLAIM OF THE UNITED STATES

1. This claim is made pursuant to 26 U.S.C. Sections 7401

and 7403, at the direction of the Attorney General of the United

States, with the authorization and at the request of the Chief

Counsel of the Internal Revenue Service , a delegate of the
Secretary of the Treasury of the United States.
2. On May 29, 1989 a delegate of the Secretary of the
Treasury made an assessment of unpaid personal income taxes

against Steven and Koreen Morgan in the amount of $516.50 ,

including penalties and interest , for the taxable period ending
December 31, 1988 .
3 . Notice of and demand for payment of the taxes described
in paragraph 1 above was given to and made on Steven and Koreen
.
Morgan in accordance with 26 U.S C. § 6303.

4 . Notice of Federal Tax Lien with respect to the

assessment described in paragraph 1 above was filed with the
Madison County Recorder, Rexburg, Idaho on August 30 1993.

5. On May 31, 1993, a delegate of the Secretary of the

Treasury made an assessment of unpaid personal income taxes

against Steven Morgan in the amount of $ 2 , 565.21, including
penalties and interest , for the taxable period ending December
31, 1989.

6. Notice of and demand for payment of the taxes described

in paragraph 4 above was given to and made on Steven Morgan in
accordance with 26 U.S.C. § 6303 .

UNITED STATES ANSWER AND CLAIM - 4

334
 9393990P. ANS

7. Notice of Federal Tax Lien with respect to the

assessment described in paragraph 4 above was filed with the
Madison County Recorder, Rexburg Idaho on August 30, 1993.
8. On May 31, 1993 , a delegate of the Secretary of the

Treasury made an assessment of unpaid personal income taxes

against Steven Morgan in the amount of $ 2 ,393.28, including
penalties and interest, for the taxable period ending December
31, 1990 .
9. Notice of and demand for payment of the taxes described
in paragraph 7 above was given to and made on Steven Morgan in
accordance with 26 U.S.C. § 6303 .
10. Notice of Federal Tax Lien with respect to the
assessment described in paragraph 7 above was filed with the
Madison County Recorder, Rexburg Idaho on August 30, 1993.

11 . Despite notice and demand , Steve Morgan has failed to

pay the taxes assessed and there remains due and owing to the
United States the sum of $5, 474.99, plus accrued interest ,
penalties, and other statutory additions.

12. On or about August 3 , 1993 , the Internal Revenue

Service served a Notice of Levy on Steve Morgan's employer,

Diversified Metal Products, Inc. , requesting payment of all
monies owed to Steve Morgan by Diversified Metal Products.
13. The interpleaded fund contains money that is owed to

Steve Morgan by Diversified Metal Products, Inc. to which the

federal tax lien attaches.

UNITED STATES ANSWER AND CLAIM - 5

335
 .
9393990P ANS

14. The United States claims priority to the interpleaded

fund in such amount remaining after satisfaction of the claims of

competing claimants to the fund who are entitled to priority over
the United States.

WHEREFORE, the United States of America prays the Court:

'
1. Adjudge and decree that the defendant the United States
of America has valid and subsisting liens in the amount of

$5, 474.99 , plus accrued interest, penalties , and other statutory

additions.
2. Determine the rights , titles, and interest of the
parties to the fund; and
.
3 Grant the United States its costs and such other
further relief that is just and proper.
Respectfully submitted this _/ day of November, 1993.

BETTY H. RICHARDSON
United States Attorney

/AJ
RICHARD R. WARD
Trial Attorney, Tax Division
U.S. Department of Justice
P.0. Box 683
Ben Franklin Station
Washington , D.C. 20044-0683
Telephone: ( 202 ) 307-5867

UNITED STATES ANSWER AND CLAIM - 6

336
 IRS CH CNSL PERS SECT FAX NO , 202 8229841 P , 02
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on which 1 am about to enter SQ HELP ME GOD - .
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I do not advocate nor am I knowingly a member of

fixation that advocates the overthrow bfThe ednstifuKamd OHn the Government ofjbho ffttitfif
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So?T ^ ^ ^
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C. AFFIDAVIT AS TO STRIKING AGAINST THE FEDERAL GOVERNMENT
l am not participating in any strike against the Government of the United States or any
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employees that asserts the right to strike a vernment of (he tin! SSi ^
and I will not J&hik? -
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337
 The Demise of the
American Constitutional Republic
Between 1916 and 1933 both Federal Reserve Notes (FRNs) and United States Notes
were redeemable in gold. Gold and silver is the money of sovereigns , for reasons such
as :

1. Gold and silver are substance, not pieces of paper with ink/printing on them , and
constitute “portable allodial land titles" signifying absolute ownership and rights to
property.

2 When a debt is paid with gold or silver coin, it is completed and finalized
absolutely . No vestige of the debt remains. The creditor-debtor relationship is
dissolved.

In order to establish people as permanent debtors, and thereby in perpetual legal

incapacity and indentured servitude, it is essential to bar access to sovereignty, genuine
law, title to substance, and freedom from indebtedness. This cannot occur if the money
used for financial transactions in society is substantive, sound, not created by debt, and
free of any compelled performance for using it . One can be ruled, exploited, and
enslaved only if this free, sovereign situation (gold and silver) is replaced with legal
obligation to use debt notes belonging to one 's creditor(s) . One is then rendered a
permanent debtor, barred from access to his lawful estate as a free, sovereign being,
and rendered obligated in perpetuity to the owner of the “currency” he uses in
commercial transactions and the "valuable consideration” he tenders in contracts.

It is clear that if someone buys things with property (FRNs) that does not belong to him,
and “ pledges” FRNs as valuable consideration on contracts through which he benefits
by receipt of goods, services, or specific performance, he has forfeited all right to claim
true ownership and standing in law (real rights and substantive law). Such a person is
contractually obligated to the owner of the currency that he uses to buy , sell, trade and
carry on his commercial/financial life.

This situation was brought about in America through a series of organized steps that
have occurred unceasingly since the founding of the country. In essence, every law,
act , and action instituted by those who would conquer , subjugate , and rule nations and
make the people thereof slaves to be permanently fleeced, plundered, and exploited
has been to bring about this very objective. The goal is to establish a “New World
Order” securing complete conquest of the world. A few of the crucial milestones on this
"road to serfdom” are:

1. The Civil War was fomented under the slavery issue in order to bring the US
under control of the Bankers. Since President Jackson vetoed the renewal of the
Charter of the Rothschild ’ s Second Bank of the United States in 1838 , America
had had no foreign -owned, paper-money "central bank . " This was an intolerable
situation to the bankers, resulting in the Civil War under the pretext of slavery.
The real reason for the War was to conquer both North and South, with the victor

Page 1 of 4

338
 being Washington, DC. Once having conquered the free and independent nation
states via the Civil War, one then had merely to capture Washington, DC to tie up
everything into one neat package .
2. To centralize power whereby iron-ciad rulership could be exercised by one man
in a jurisdiction owned by the Financial Powers, all that was required was for the
President, as Commander in Chief of the military , to be established in a legal
position to rule everything via Executive Orders (fiat/dictatorship). If such is
established in a jurisdiction of martial law rule wherein all law is suspended due
to the "emergency , ” then all that is required is to own the office of President. A
crucial aspect of this occurred on March 27, 1861 when seven Southern states
walked out of Congress leaving the entire Legislative Branch of Government
without a quorum. The Congress of the Constitution was dissolved for inability to
disband or re-convene. Lincoln issued an Executive Order in April 1861 , re-
convening Congress at gunpoint in Executive, emergency, martial-law-rule
jurisdiction. Since that time there has been no de jure Congress and everything
has functioned under color of law through Executive Order under authority of the
War Powers, i.e. emergency, i.e. law of necessity. The “law of necessity ” means
no law whatsoever, as per such maxims of law as:

“Necessity knows no law” (the law forbidding killing is voided when done in
self-defense).

"In time of war laws are silent.” Cicero.

3. To establish the underlying debt of the Government to the Bankers, to create
corporate entities that are legally subject to the jurisdiction in which they exist,
and to create the jurisdiction itself correctly , the so -called (fraudulent and
unratified) Fourteenth Amendment was proclaimed as passed in 1868. This is a
cestui que trusf incorporation in a military, private , international, commercial, de
facto jurisdiction created by, and belonging to, the Money Power, existing within
the emergency of the War Powers , the only operational jurisdiction since the
dissolution of Congress in 1861. Through the 14th Amendment an artificial
person-corporate entity-franchise entitled "citizen of the United States" was born
th
into private, corporate limited liability . Section 4 of the 14 Amendment states:
“The validity of the public debt of the United States [to the Bankers}...shall not be
questioned.”

4. Within the above-referenced private jurisdiction of the International Bankers, the

private and foreign-owned "Congress" formed a corporation, commercial agency,
and government for the “District of Columbia” on February 21, 1871 , Chapter 62,
16 Stat. 419. This corporation was reorganized June 11, 1878, Chapter 180, 20
Stat . 102 , and re-named “United States Government.” This corporation privately
trademarked the names: “United States,” “U.S.," “US,” “U.S.A.," “USA,” and
“America . ”

See cestui que trust in Glossary 1.

Page 2 of 4

339
 5 . In 1912 when the bonds that were floating the US Government , owned by the
Bankers, came due and the Bankers refused to re-finance the debt, the
colorable, martial-law-rule Congress was compelled to pass the Federal Reserve
Act of 1913. This Act surrendered (re-delegated exclusively delegated)
constitutional authority to create, control, and manage the entire money supply of
the United States to a handful of private, mostly-foreign , bankers. This placed
exclusive creation and control of the money within the private, commercial ,
foreign , and military jurisdiction of 1861, in corporate limited liability.

6. Through paying interest to the Federal Reserve Corporation in gold, the US

Treasury became progressively depleted of its gold. America ’ s gold certificates,
coin, and bullion were continually shipped off to the coffers of various European
Banks and Power Elite. In 1933, when the Treasury was drained and the debt
was larger than ever (a financial condition known as “insolvency ”), Roosevelt
proclaimed the bankruptcy of the United States . Every 14th-Amendment “citizen
of the United States" was pledged as an asset to finance the Chapter 11 re-
organization expenses and pay interest in perpetuity to the creditors (Federal
Reserve Bankers) on the “national debt’’ (“which shall not be questioned”) .

With the Government ’ s bankruptcy , “law ” became “public policy , " i.e . Federal Reserve
Reinsurance policy . Now operating exclusively within the jurisdiction of corporate
limited-liability insurance , the Federal Reserve switched its requirements 180° and
foreclosed the possibility to pay interest in gold, requiring payments on the debt and
reorganization to be made with FRNs. Ownership of gold by the bankrupted, conquered
citizens, made into the enemy by the Amendatory Act of March 9, 1933, was made
"illegal” and the Bankers set about confiscating as much of the private gold as possible
that had not already been shipped to the European Federal Reserve Banks as interest
payments on the FRNs printed into circulation . After 1933, FRNs became increasingly
unbacked, until Nixon closed the silver window and removed the final vestige of backing
in 1968.

By being duped into functioning as a “citizen of the United States, ” everyone was
foreclosed from access to genuine law, substance, sovereignty , real law , and
constitutional due process, confined to operating in law and commerce the Banker’s
private commercial, military, limited-liability jurisdiction. Americans ' survival came to
depend on acting as if they were “citizens of the United States” and inseparably united
| with and bound to their ALL-CAPITAL LETTERS NAME. This is the core of the con. It
| revolves around the meaning and significance of the words used in the processes
involving them , especially the name. A few crucial facts concerning the name are:

j 1. In law, every word, letter , punctuation, and capitalization utilized in legal

documents and proceedings has legal import and significance. Law means the
rules revolving around the use of deadly force. The ultimate legal consequence
of every word used in law is life and death . This fact imparts to law its unique
importance. Law is not simply another academic pursuit , but a field bearing on
one’ s very survival (hence this manual).

Page 3 of 4
2. Your name is a "flag” per the Law of the Flag , proclaiming your rights, standing in
law , applicable law, and jurisdiction. When set forth in upper- and lower-case
letters, in accord with the established rules of English grammar, your name is
called a “true name.” In law, such a name signifies the real you, the living, flesh-
and-blood, sentient being with free will, and unbounded spiritual dimension,
absolute (unalienable) rights, full standing in law, and access to the substance
and content of genuine law. When set forth in ALL-CAPITAL LETTERS, both taw
and English grammar mandate that such an assemblage of letters be considered
something entirely different than your true name and all the content that your true
name signifies. Such deception now comprises the foundational legal device
used to control not only America , but the population of the entire world.

Page 4 of 4

341
 A Memorandum of Law on the Name

Many people are involved in diligent research concerning the use of all capital letters for proper
names, e .g., “ JOHN PAUL JONES” as a substitute for John Paul Jones in all court documents,
driver’s licenses, bank accounts, birth certificates, etc.

-
Is the use of all capital letters to designate a name some special English grammar rule or style? Is it
a contemporary American style of English? Is the use of this form of capitalization recognized by
educational authorities? Is this an official judicial or U.S. government rule and/or style of grammar?
Why do attorneys, court clerks, prosecutors judges, banks, credit card companies, utility companies,
-
etc . always use all capital letters when writing a proper name?

What English Grammar Experts Say

One of the foremost authorities on American English grammar, style, composition, and rules is The
Chicago Manual of Style. The latest ( 14th ) Edition, published by the University of Chicago Press, is
internationally known and respected as a major contribution to maintaining and improving the
standards of written or printed text. Since we can find no reference in their manual concerning the
-
use of all capitalized letters with a proper name or any other usage, we wrote to the editors and asked
this question:

"Is it acceptable , or is there any rule of English grammar , to allow a proper name to be
written in all capital letters? For example, if my name was John Paul Jones, can it be written
as JOHN PAUL JONES? Is there any rule covering this?"
The Editorial Staff of the University of Chicago answered:

"Writing names in alt caps is not conventional; it is not Chicago style to put anything in all
caps. For instance, even if 'GONE WITH THE WIND1 appears on the title page all in caps,
we would properly render it 'Gone with the Wind ' in a bibliography. The only reason we can
think of to do so is if you are quoting some material where it is important to the narrative to
preserve the casing of the letters.

“ We're not sure in what context you would like your proper name to appear in all caps, but it
is likely to be seen as a bit odd."

Law is precise. Every letter, capitalization, punctuation mark, etc., in a legal document is utilized for
a specific reason and has legal (i.e . deadly force ) consequences. If , for instance, one attempts to file
articles of incorporation in the office of a Secretary of State, if the exact title of the corporation —
—
down to every jot and tittle is not exactly the same each and every time the corporation is
referenced in the documents to be filed, the Secretary of State will refuse the filing. This is because
each time the name of the corporation is referenced it must be set forth identically in order to express
the same legal entity. The tiniest difference in the name of the corporation identifies an entirely
different legal person.

It is therefore an eminently valid , and possibly crucial, question as to why governments,

governmental courts, and agencies purporting to exist (in some undefined, unproved manner) within
the jurisdiction of “this state1 ” always insist on capitalizing every letter in a proper name.

Mary Newton Bruder, Ph.D ., also known as “The Grammar Lady,” who established the Grammar
Hotline in the late 1980’s for the Coalition of Adult Literacy , was asked the following question:

See “ in this state” in Glossary .

Page 1 of 19 A Memorandum of Law on ihe Name
34 2
 "Why do federal and state government agencies and departments, judicial and administrative
courts, insurance companies, etc., spell a person's proper name in all capital letters? For
example, if my name is John Paul Jones, is it proper at any time to write my name as JOHN
PAUL JONES?"
Dr. Bruder’s reply was short and to the point: "It must be some kind of internal style. There is no
grammar rule about it."

It seemed that these particular grammatical experts had no idea why proper names were written in all
caps, so we began to assemble an extensive collection of reference books authored by various
publishers, governments, and legal authorities to find the answer.

What English Grammar Reference Books Say

Manual on Usage & Style

One of the reference books we obtained was the Manual on Usage & Style, Eighth Edition, ISBN I -
- -
878674 51 X, published by the Texas Law Review in 1995. Section D, CAPITALIZATION,
paragraph D: 1:1 states:

.
"Always capitalize proper nouns.. [Proper nouns], independent of the context in which they
are used, refer to specific persons, places, or things (e.g., Dan, Austin, Rolls Royce)."

Paragraph D: 3:2 of Section D states:

"Capitalize People, State, and any other terms used to refer to the government as a litigant
(e.g., the People's case, the State's argument), but do not capitalize other words used to refer
to litigants (e.g., the plaintiff, defendant Manson)."

Either no attorney, judge, or law clerk in Texas has ever read the recognized law style manual that
purports to pertain to them, or the act is a deliberate violation of the rules for undisclosed reasons. In
either ignorance (“ignorance of the law is no excuse”) or violation (one violating the law he enforces
on others is acting under title of nobility and abrogating the principle of equality under the law) of
law, they continue to write "Plaintiff , "Defendant", "THE STATE OF TEXAS" and proper names of
parties in all-capital letters on every court document.

The Elements of Style

Another well-recognized reference book is The Elements of Style, Fourth Edition, ISBN 0 205 - -
30902 X, written by William Strunk, Jr. and E.B. White, published by Allyn & Bacon in 1999.
-
Within this renowned English grammar and style reference book, is found only one reference to
capitalization, located within the Glossary at “proper noun,” page 94, where it states:

"The name of a particular person ( Frank Sinatra), place (Boston), or thing (Moby Dick).
Proper nouns are capitalized."

There’s an obvious and legally evident difference between capitalizing the first letter of a proper
name as compared to capitalizing every letter used to portray the name.

A Memorandum of Law on the Name Page 2 of 19

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 The American Heritage Book of English Usage

The American Heritage Book of English Usage , A Practical and Authoritative Guide to
Contemporary English , published in 1996, at Chapter 9, E-Mail , Conventions and Quirks,
Informality, states:

-
"To give a message special emphasis, an E mailer may write entirely in capital letters, a
-
device E mailers refer to as screaming. Some of these visual conventions have emerged as a
way of getting around the constraints on data transmission that now limit many networks . "

— —
Here is a reference source, within contemporary modem English, that states it is of an informal
manner to write every word of, specifically, an electronic message, a/ k/a e-mail, in capital letters.
They say it is " screaming” to do so. By standard definition, we presume that is the same as shouting
or yelling. Are all judges, as well as their court clerks and attorneys, shouting at us when they
corrupt our proper names in this manner? (If so, what happened to the decorum of a court if
everyone is yelling?) Is the insurance company screaming at us for paying the increased premium on
our policy? This is doubtful as to any standard generalization, even though specific individual
instances may indicate this to be true. It is safe to conclude, however, that it would also be informal
to write a proper name in the same way.

Does this also imply that those in the legal profession are writing our Christian names informally on
court documents? Are not attorneys and the courts supposed to be specific , formally writing all legal
documents to the "letter of the law"? If the law is at once both precise and not precise, what is its
significance, credibility, and force and effect ?

New Oxford Dictionary of English

Oxford University Press publishes the New Oxford Dictionary of English . Considered the foremost
authority on the British English language, this dictionary is also designed to reflect the way language
is used today through example sentences and phrases . We submit the following definitions from the
1998 edition:

“Proper noun (also proper name). Noun. A name used for an individual person, place, or
organization , spelled with an initial capital letter , e . g. Jam, London, and Oxfam.”

“Name . Noun 1 A word or set of words by which a person, animal, place , or thing is known,
addressed, or referred to ; my name is Parsons, John Parsons. Kalkwasser is the German
name for limewater. Verb 3 Identify by name ; give the correct name for: the dead man has
been named as John Mackintosh. Phrases . 2 In the name of. Bearing or using the name of a
specified person or organization: a driving license in the name of William Sanders.”

Newbury' House Dictionary of American English

From the Newbury House Dictionary of American English, published by Monroe Allen Publishers,
Inc,, 1999:

“name n. I [C] a word by which a person, place, or thing is biown: Her name is Diane
Daniel."

We can find absolutely no example in any recognized reference book that specifies or allows the use
of all capitalized names, proper or common . There is no doubt that a proper name, to be

Page 3 of 19 A Memorandum of Law on the Name

344
grammatically correct, must be written with only the first letter capitalized, with the remainder of the
word in a name spelled with lower case letters.

U .S. Government Style Manual

Is the spelling and usage of a proper name defined officially by U.S. government ? Yes. The United
States Government Printing Office in their Style Manual, March 1984 edition (the most recent
edition published as of March 2000), provides comprehensive grammar, style and usage for all
government publications, including court and legal writing.

Chapter 3 , Capitalization , at § 3.2, prescribes rules for proper names:

"Proper names are capitalized . [Examples given are] Rome, Brussels, John Macadam,
Macadam family, Italy, Anglo-Saxon."

At Chapter 17, Courtwork, the rules of capitalization, as mentioned in Chapter 3, are further
reiterated:

"17.1. Courtwork differs in style from other work only as set forth in this section; otherwise
the style prescribed in the preceding sections will be followed."

After reading § 17 in entirety, we found no other references that would change the grammatical rules
and styles specified in Chapter 3 pertaining to capitalization.

At § 17.9, this same official U .S. government manual states:

"In the titles of cases the first letter of all principal words are capitalized, but not such terms
as defendant and appellee ."

This wholly agrees with Texas Law Review's Manual on Usage & Style as referenced above.

Examples shown in § 17.12 are also consistent with the aforementioned § 17.9 specification : that is,
all proper names are to be spelled with capital first letters ; the balance of each spelled with lower
case letters.

Grammar, Punctuation, and Capitalization

The National Aeronautics and Space Administration (NASA) has published one of the most concise
-
U.S. Government resources on capitalization , NASA publication SP 7084, Grammar. Punctuation,
and Capitalization. A Handbook for Technical Writers and Editors, was compiled and written by the
NASA Langley Research Center in Hampton , Virginia. At Chapter 4, Capitalization, they state in
4.1 Introduction:

"First we should define terms used when discussing capitalization:

• All caps means that every letter in an expression is capital, LIKE THIS.

• Caps & Ic means that the principal words of an expression are capitalized, Like This.
• Caps and small caps refer to a particular font of type containing small capital letters
instead of lowercase letters.

A Memorandum of Law on the Name Page 4 of 19

345
 “Elements in a document such as headings, titles, and captions may be capitalized in either
sentence style or headline style:

• Sentence style calls for capitalization of the first letter, and proper nouns of course.
• Headline style calls for capitalization of all principal words (also called caps & 1c).

“Modern publishers tend toward a down style of capitalization, that is, toward use of fewer
capitals, rather than an up style."

Here we see that in headlines, titles, captions, and in sentences, there is no authorized usage of all
caps. At 4.4.1 . Capitalization With Acronyms, we find the first authoritative use for all caps;

"Acronyms are always formed with capital letters . Acronyms are often coined for a particular
program or study and therefore require definition. The letters of the acronym are not
capitalized in the definition unless the acronym stands for a proper name:

"Wrong The best electronic publishing systems combine What You See Is What You Get

“( WYSIWYG) features...
'Correct The best electronic publishing systems combine what you see is what you get

“(WYSIWYG) features...
" But Langley is involved with the National Aero Space Plane (NASP) Program .”
-
This cites, by example, that using all caps is allowable in an acronym. Acronyms are words formed
from the initial letters of successive parts of a term . They never contain periods and are often not
standard, so that definition is required.

Could this apply to lawful proper Christian names? If that were true, then JOHN SMITH would have
to follow a definition of some sort, which it does not . For example, only if JOHN SMITH were
defined as “John Orley Holistic Nutrition of the Smith Medical Institute To Holistics (JOHN
SMITH)” would this apply .

The most significant section appears at 4.5, Administrative Names:

"Official designations of political divisions and of other organized bodies are capitalized:

• Names of political divisions;

• Canada, New York State;
• United States Northwest Territories;
• Virgin Islands, Ontario Province;
• Names of governmental units U.S. Government Executive Department, U.S.
Congress, U.S. Army;

• U.S. Navy .”

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According to this official U .S. Government publication, the States are never to be spelled in all caps,
— —
such as “NEW YORK STATE.” The proper English grammar and legal style is “New York
State.” This agrees, once again , with Texas Law Review's Manual on Usage & Style.

Legal Fiction Doctrine Allows the Courts to Presume/Assume Anything

The Real Life Dictionary of the Law

The authors of The Real Life Dictionary of the Law, Gerald and Kathleen Hill, are accomplished
scholars and writers . Gerald Hill is an experienced attorney, judge, and law instructor . Here is how
the term legal fiction is described :

"Legal fiction, n. A presumption of fact assumed by a court for convenience, consistency or

to achieve justice. There is an old adage: Fictions arise from the law, and not law from
fictions.1

Oran’s Dictionary of the Law

From Oran’s Dictionary of the Law, published by the West Group 1999, within the definition of
“fiction” is found that of “legal fiction”:
"A legal fiction is an assumption that something that is (or may be) false or nonexistent is
true or real. Legal fictions are assumed or invented to help do justice. For example, bringing
a lawsuit to throw a nonexistent ‘John Doe’ off your property used to be the only way to
establish a clear right to the property when legal title was uncertain ."

Merriam-Webster’s Dictionary of Law

Merriam-Webster's Dictionary of Law, 1996 states:

—
"legal fiction: something assumed in law to be fact irrespective of the truth or accuracy of
that assumption . Example: the legal fiction that a day has no fractions Fields V. Fairbanks
North Star Borough, 818 P.2d 658(1991)."

This is the reason behind the use of all caps when writing a proper name . The U.S. and State
Governments are deliberately using a legal fiction to "address” the lawful , real, flesh-and- blood man
or woman. We say this is deliberate because their own official publications state that proper names
are not to be written in all caps. They are deliberately not adhering to their own recognized
authorities.

In the same respect, by identifying their own government entity in ALL GAPS, they are legally
assuming/presuming it to be so. As stated by Dr . Mary Newton Bruder in the beginning of this
-
report, the use of all caps for writing a proper name is an "internal style" for what is apparently a pre
determined usage and, at this point, unknown jurisdiction.

The main key to a legal fiction is assumption as noted in each definition above.

Conclusion: There are no official or unofficial English grammar style manuals or reference
publications that recognize the use of all caps when writing a proper name. To do so is by
juristic license of arbitrary presumption or assumption , irrespective of the facts pertaining.

A Memorandum of Law on the Name Page 6 of 19

347
 Arbitrary “ Right” of Assumption is a Self-serving Fiction of the Law

An important issue concerning this entire matter is whether or not a proper name written in all caps,
can be substituted for a lawful Christian name or any proper name, such as “STATE OF FLORIDA ”
-
for “State of Florida.” Is the assertion of all -capital letters names legal? If so, from where does this
practice originate and what enforces it?

Legal fiction may be employed when the name of a "person" is not known by using the fictitious
name "John Doe." This is understood by all and needs little explanation . If there is no way to
identify someone, “John Doe” or “Jane Doe” is presumed or assumed to identify the unknown party
until the proper name can be discovered.

In all cases, a legal fiction is an assumption of purported fact without having shown the fact to be
true or valid. Legal fictions can be applied to many different situations; conversion of a true name to
-
an all caps version is one of them. It is an acceptance with no proof. Simply, to assume is to
pretend. Oran’s Dictionary of the Law says that the word “assume” means:

1. To take up or take responsibility for; to receive ; to undertake. See assumption .

2. To pretend .

3. To accept without proof .

These same basic definitions are used by nearly all of the modern law dictionaries. It should be noted
that there is a difference between the meanings of the second and third definitions with that of the
first. Pretending and accepting without proof are of the same understanding and meaning. However,
to take responsibility for and receive, i . e. “assumption ,” does not carry' the same meaning. Oran’s
defines “assumption” as:

"Formally transforming someone else's debt into your own debt . Compare with guaranty . The
assumption of a mortgage usually involves taking over the seller’s ’mortgage debt' when
buying a property (often a house )."

Now, what happens if all the meanings for the word assume are combined ? In a literal and definitive
sense , the meaning of “assume” would be: The pretended acceptance , without proof , that someone
has taken responsibility' for , has guaranteed , or has received a debt.

-
Therefore, if we apply all this in defining all caps usage, such artifice is an assumption or pretension
that the juristic person / legal entity named has received and is responsible for a debt of some sort.

Use of the name “ JOHN P JONES” in place of the proper name “John Paul Jones” implies an
assumed debt guarantee without any offer of proof. The danger behind this is that if such an
unproven assumption is made, unless the assumption is proven wrong, it is considered valid .

Please go no further until you understand and comprehend exactly what the above paragraphs have
-
stated. If necessary, re read the above until you have a full understanding of what is involved in the
-
meaning of a name spelled in all capital letters.

An assumed debt is valid unless proven otherwise. (“ An unrebutted affidavit, claim , or charge stands
as the truth in commerce.” See Maxims of Commerce in Glossary). This is in accord with the
Uniform Commercial Code, valid in every State and made a part of the Statutes of each State. A
—
name written in all caps resembling a proper name but grammatically not a proper name—is being

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held as a debtor for an assumed debt. Did you incur that debt? If so , how and when ? Where is the
contract of indebtedness you signed and the proof of default thereon ?

What happens if the proper name, i. e . “ John Paul Jones,” answers for or assumes the fabricated
name, i .e. “JOHN P JONES ”? The two become one and the same. This is the crux for the use of the
all caps names by the U.S. Government and the states. It is the way that they can bring someone into
the de facto venue and jurisdiction that they have created . By implication of definition , this also is
for the purpose of some manner of assumed debt.

Why won 't they use "The State of Texas" or "John Doe " in their courts or on Driver’s licenses? What
stops them from doing this? Obviously, there is a reason for using all-caps names since they are very
capable of writing proper names just as their own official style manual states. The reason behind this
practice is found within the definitions as cited above. At this point, this should be very clear to
ever>' reader.

The Legalities of All -Capital -Letters Names

We could go on for hundreds of pages citing the legal basis behind the creation and use of all-capital-
letters names. In a nutshell, fabricated legal persons such as “STATE OF TEXAS” can be used to
fabricate additional legal persons . Bastard legal persons originate from any judicial/govemment
actor that wishes to create them, regardless of whether he/she/it is empowered by law to do so or not.
However, a law can never originate from a fictional foundation that doesn't exist.

.
The generic and original U S. Constitution was validated by treaty between individual nation states
(all of which are artificial, corporate entities since they exist in abstract idea and construct).
Contained within it is the required due process of law for all the participating nation states of that
treaty. Representatives of the people in each nation state agreed upon and signed it. The federal
government is not only created by it, but is also bound to operate within the guidelines of
Constitutional due process . Any purported law that does not originate from Constitutional due
process is a fictional law without validity'. Thus, the true test of any American law is its basis of due
process according to the generic U.S. Constitution. Was it created according to the lawful process or
outside of lawful process?

Executive Orders and Directives

For years we have researched the lawful basis for creating all caps juristic persons and have
concluded that there is no such foundation according to valid laws and due process. But what about
those purported "laws " that are not valid and have not originated from constitutional due process?
There’s a very simple answer to the creation of such purported laws that are really not laws at all:
Executive Orders and Directives. They are "color of law" without being valid laws of due process .
These Executive Orders and Directives have the appearance of law and look as if they are laws, but
according to due process, they are not laws. Rather, they are " laws" based on fictional beginnings
and are the inherently defective basis for additional fictional " laws." They are "regulated" and
"promulgated" by Administrative Code , rules and procedures, not due process. Currently, Executive
Orders are enforced through the charade known as the federal Administrative Procedures Act . Each
state has also adopted the same fatally flawed administrative "laws."

Lincoln Establishes Executive Orders

-
Eighty five years after the Independence of the united States, seven southern nation States of
America walked out of the Second Session of the Thirty-sixth Congress on March 27, 1861. In so
doing, the Constitutional due process quorum necessary for Congress to vote was lost and Congress

A Memorandum of Law on the Name Page 8 of 19

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 was adjourned sine die , or "without day " . This meant that there was no lawful quorum to set a
specific day and time to reconvene which, according to Robert's Rules of Order, dissolved Congress .
This dissolution automatically took place because there were no provisions within the Constitution
allowing the passage of any Congressional vote without a quorum of the States.

Lincoln 's second Executive Order of April 1861 called Congress back into session days later, but not
under the lawful authority, or lawful due process, of the Constitution. Solely in his capacity as
Commander-in-Chief of the U.S. Military, Lincoln called Congress into session under authority of
Martial Law. Since April of 1861, "Congress" has not met based on lawful due process. The current
"Congress" is a legal-fiction Congress based on nothing more holy than “ So what ? What are you
going to do about it?”

Legal-fiction "laws," such as the Reconstruction Acts and the Lieber Code, were instituted by
Lincoln soon thereafter and became the basis for the current "laws " in the US thereby. Every
purported "Act" in effect today is based on colorable fictitious entities created arbitrarily and without
verification, lawful foundation, or lawful due process—all originating from and existing in military,
martial law jurisdiction. Military , martial law jurisdiction = jurisdiction of war = win /lose
interactions consisting of eating or being eaten , living or dying = food chain = law of necessity =
suspension of all law other than complete freedom to act in any manner to eat, kill , or destroy or
avoid being eaten , killed, or destroyed = no law = lawlessness = complete absence of all lawTul basis
to create any valid law.

Contractually, being a victim of those acting on the alleged authority granted by the law of necessity
= no lawful object, valuable consideration, free consent of all involved parties, absence of fraud,
duress, malice, and undue influence = no bona fide, enforceable contract = no valid, enforceable
-
nexus = absolute right to engage in any action of any kind in self defense = complete and total right
to disregard any alleged jurisdiction and demands from self-admitted outlaws committing naked
criminal aggression without any credibility and right to demand allegiance and compliance from
anyone.

Every President of the United States since Lincoln has functioned by Executive Orders issued from a
military, martial law jurisdiction with the only “law” being the “ law of necessity,” i. e . the War
Powers . The War Powers are nothing new. Indeed, they have been operational from the instant the
first man thought he would “ hide from God,” try to cheat ethical and natural law by overreaching,
invade the space and territory of others, covet other people’s land or property, steal the fruits of their
labors, and attempt to succeed in life by win/lose games. All existing “authority” in the United States
-
today derives exclusively from the War Powers. Truman’s re affirmation of operational authority
under the War Powers begins:

“NOW, THEREFORE, I, HARRY S. TRUMAN, President of the United States of America,

acting under and by virtue of the authority vested in me by section 5( b) of the Trading with
the Enemy Act of October 6, 1917 , 40 Stat. 415, as amended (section 5( b) of Appendix to
Title 50), and section 4 of the act of March 9, 1933 , 48 Stat. 2 .... ”

Sic transit rights, substance, truth , justice, peace , and freedom in America , “ the land of the free and
the home of the brave.”

The Abolition of the English & American Common Law

Here' s an interesting quote from the 1973 session of the U .S. Supreme Court :

Page 9 of 19 A Memorandum of Law on the Name

350
 "The American law. In this country, the law in effect in all but a few States until mid-19th
-
century was the pre existing English common law... It was not until after the War Between
the States that legislation began generally to replace the common law.” Roe vs. Wade, 410
U.S. 113.

In effect , Lincoln 's second Executive Order abolished the recognized English common law in
America and replaced it with "laws" based on a fictional legal foundation , i.e., Executive Orders and
Directives executed under “ authority ” of the War Powers. Most States still have a reference to the
common laws within their present day statutes . For example, in the Florida Statutes (1999), Title I.
Chapter 2, at § 2.01 Common law and certain statutes declared in force , it states:

"The common and statute laws of England which are of a general and not a local nature, with
the exception hereinafter mentioned , down to the 4th day of July , 1776, are declared to be of
force in this state; provided , the said statutes and common law be not inconsistent with the
Constitution and laws of the United States and the acts of the Legislature of this state.
History. ~s. 1, Nov . 6, 1829; RS 59; GS 59; RGS 71 ; CGL 87."

Note that the basis of the common law is an approved act of the people of Florida by resolution on
November 6, 1829, prior to Lincoln 's Civil War . Also note that the subsequent " laws", as a result of
acts of the Florida Legislature and the United States, now take priority over the common law in
Florida. In April 1861 , the American and English common law was abolished and replaced with
legal-fiction " law", a / k/a statutes, rules, and codes based on Executive Order and not the due process
specified within the organic Constitution . Existing and functioning under the law of necessity ab
initio , they are all non-law and cannot validly assert jurisdiction, authority, or demand for compliance
from anyone . They are entirely “ rules of rulership,” i.e. organized piracy, privilege, plunder, and
enslavement , invented and enforced by those who would rule over others by legalized violence in the
complete absence of moral authority , adequate knowledge , and natural-law mechanics to accomplish
any results other than disruption , conflict, damage, and devastation.

Applying it all to Current "Laws"

Title III , Pleadings and Motions, Rule 9(a) Capacity, Federal Rules of Civil Procedure, states , in part:

" When an issue is raised as to the legal existence of a named party, or the party ’s capacity to
be sued , or the authority of a party to be sued, the party desiring to raise the issue shall do so
by specific negative averment , which shall include supporting particulars." (Bold emphasis
added).

At this juncture , it is clear that the existence of a name written in all caps is a necessity -created entity .
This is surely an issue to be raised and the supporting particulars are outlined within this article. Use
of the proper name must be insisted upon as a matter of abatement - correction - for all parties of an
action of purported "law." However, the current " courts" cannot correct this since they are all based
on presumed /assumed (fictional) law and must use artificial, juristic names. Instead , they expect the
lawful Christian man or woman to accept the all -caps name and agree by silence to be treated as if he
or she were a fictional entity invented and governed by mortal enemies. They must go to unlimited
lengths to deceive and coerce this compliance or the underlying criminal farce would be exposed and
a world -wide plunder/enslavement racket that has held all of life on this planet in a vice grip for
millennia would crumble and liberate every living thing . At this point they would be required to
succeed in life by honest , productive labors the way those upon whom they parasitically feed are
forced to conduct their lives.

A Memorandum of Law on the Name Page 10 of 19

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 Oklahoma Statutes
Since the entire game functions on the basis of people’s failure to properly rebut a rebuttable
presumption, the issue then becomes how to properly rebut their presumption that you are
-
knowingly, intentionally, and voluntarily agreeing to be treated as if you w'ere the all caps name.
One angle of approach is found in the requirement for proper names to be identified in any legal
dispute . This includes a mandate to correct the legal paperwork involved when proper names are
provided . In regard to criminal prosecution this is clearly set forth in the Oklahoma Statutes, Chapter
22, § 403:

" When a defendant is indicted or prosecuted by a fictitious or erroneous name , and in any
stage of the proceedings his true name is discovered, it must be inserted in the subsequent
proceedings, referring to the fact of his being charged by the name mentioned in the
indictment or information . "

American Jurisprudence

In general , it is essential to identify parties to court actions properly. If the alleged parties to an
action are not precisely identified, then who is involved with whom or what , and how? If not
properly identified , all corresponding judgments are void, as outlined in Volume 46, American
Jurisprudence 2d, at Judgments:

"§ 100 Parties - A judgment should identify the parties for and against whom it is rendered,
with such certainty that it may be readily enforced, and a judgment which does not do so may
be regarded as void for uncertainty. Such identification may be achieved by naming the
persons for and against whom the judgment is rendered . Technical deficiencies in the naming
of the persons for and against whom judgment is rendered can be corrected if the parties are
not prejudiced. A reference in a judgment to a party plainly liable, followed by an omission
of that party’s name from the language of the decree, at least gives rise to an ambiguity and
calling for an inquiry' into the court's real intention as reflected in the entire record and
surrounding circumstances." [Footnote numbers and cites are omitted.]

The Current Scene in America

“Legal Person”

One of the terms used predominantly by the present civil governments and courts in America is
“ legal person.” Just what is a “legal person ”? Some definitions are:
[A ] legal person: a body of persons or an entity (as a corporation) considered as having many
of the rights and responsibilities of a natural person and especially the capacity to sue and be
-
sued . Merriam Webster’s Dictionary' of Law, 1996 .

Person . I . A human being (a "natural " person). 2. A corporation (an "artificial" person).
Corporations are treated as persons in many legal situations. Also, the word "person"
includes corporations in most definitions in this dictionary . 3. Any other " being" entitled to
sue as a legal entity (a government , an association, a group of Trustees, etc.). 4. The plural of
person is persons, not people (see that word). Oran’s Dictionary of the Law, West Group,
1999.

Person. An entity with legal rights and existence including the ability to sue and be sued , to
sign contracts, to receive gifts, to appear in court either by themselves or by lawyer and ,
generally , other powers incidental to the full expression of the entity in law. Individuals are
Page 11 of 19 A Memorandum of Law on the Name
352
 "persons" in law unless they are minors or under some kind of other incapacity such as a
court finding of mental incapacity. Many laws give certain powers to "persons" which, in
almost all instances, includes business organizations that have been formally registered such
as partnerships, corporations or associations. Duhaime’s Law Dictionary.

PERSON, noun per'sn . [Latin persona; said to be compounded of per, through or by, and
,

sonus, sound; a Latin word signifying primarily a mask used by actors on the stage.]
Webster's 1828 Dictionary.

A corporation incorporated under de jure law, i.e . by bona fide express contract between real beings
capable of contracting (a phenomenon that went extinct almost 70 years ago), is a legal fact. Using
-
the self styled juristic artifice ( legal fiction ) of “right to presume, irrespective of the law or the facts,”
implied contracts, constructive trusts, and other entirely different entities can be created using the
name of the bona fide, legally and grammatically correct name of the corporation by corrupting that
-
name into an ALL CAPITAL LETTERS format or by abbreviating names (within the complete
proper name). The corporation exists in law, but has arbitrarily been assigned a different NAME.
No such corporation nor any valid law can be created under the “law of necessity,” i.e. under “no
-
law.” Likewise, the arbitrary use of the legal fiction artifice of “right of presumption” (over unwary,
uninformed, and usually blindly trusting people) can be legitimately exercised under “no law.”
Maxims of law describing “necessity” include:

• “Necessity has no law.” Plowd. 18, and 15 Vin. Abr. 534; 22 id. 540.
• “In time of war laws are silent,” Cicero.
Non -existent law = no lawful basis upon which anything can be created, be made to transpire, or
upon which allegiance and obedience can be legitimately demanded. Acting under the law of
necessity, i.e. lawlessness, allows complete and total right of everyone to disregard any and all
alleged assertions of any lawful, verifiable, and legitimate jurisdiction over anything or anyone.
Anyone acting against anyone under such non -law is self-confessing to be a naked criminal
aggressor, and con man who has forfeited all credibility and right to demand allegiance, obedience,
or compliance with any jurisdiction he might assert. If you, as a real being, are in real law and it is
impossible for an attorney or judge to recognize or access it, you are not subject to their jurisdiction
(and cannot be made subject to their jurisdiction by them ). The crucial issue is then how to notice
them of your position and standing so that they leave you alone.

As mentioned above, an artificial person (corporation) created under de jure law, with the person’s
identifying name appearing as prescribed by law and in accordance with the rules of English
grammar, is a legal fact. A corrupted “alter ego” version of that name, manufactured under the legal
fiction of “right of presumption” will have “credibility” only so long as the presumption remains
unchallenged. The rule of the world is that anything and everything skates unless you bust it.

“Legal” or “Lawful ”?

It is crucial to define the difference between “legal ” and “lawful. ” Tire generic Constitution
references genuine law. The present civil authorities and their courts use the word “legal.” Is there a
difference in the meanings? The following is quoted from A Dictionary of Law, 1893. -
“Lawful. In accordance with the law of the land; according to the law; permitted, sanctioned,
or justified by law. "Lawful" properly implies a thing conformable to or enjoined by law;
"Legal ", a thing in the form or after the manner of law or binding by law. A writ or warrant

A Memorandum of Law on the Name Page 12 o f l 9

353
 :

issuing from any court , under color of law , is a “legal” process however defective. See
legal ” [Bold emphasis added ]

!I “Legal. Latin legalis. Pertaining to the understanding, the exposition, the administration, the
science and the practice of law: as, the legal profession, legal advice; legal blanks,
newspaper. Implied or imputed in law. Opposed to actual. "Legal" looks more to the letter
[form /appearance], and "Lawful " to the spirit [substance/content], of the law. "Legal " is more
appropriate for conformity to positive rules of law; "Lawful " for accord with ethical
principle. "Legal " imports rather that the forms [appearances| of law are observed,
that the proceeding is correct in method, that rules prescribed have been obeyed;
I
"Lawful " that the right is actful in substance, that moral quality is secured. "Legal" is
the antithesis of equitable, and the equivalent of constructive. 2 Abbott's Law Pic. 24.”
[Bold emphasis added]
Legal matters administrate, conform to, and follow rules. They are equitable in nature and are
implied (presumed) rather than actual (express). A legal process can be defective in law. This
accords with the previous discussions of legal fictions and color of law. To be legal, a matter does
' not follow the law. Instead, it conforms to and follows the rules or form of law. This may help you
to understand why the Federal and State Rules of Civil and Criminal Procedure are cited in every
court petition so as to conform to legal requirements of the specific juristic persons named, e.g.,
“ STATE OF GEORGIA” or “ U .S. FEDERAL GOVERNMENT,” that rule the courts.

— —
Lawful matters are ethically enjoined in the law of the land the law of the people and are actual in
nature, not implied. This is why whatever true law was upheld by the generic Constitution has no
bearing or authority in the present day legal courts. It is impossible for anyone in “authority” today
to access, or even take cognizance of, true law since “authority” is the “ law of necessity,” 12 USC
95.
i
Therefore, it would appear that the meaning of the word “legal” is “color of law,” a term which
. Black’s Law Dictionary, Fifth Edition (page 241) defines as:

“Color of law. The appearance or semblance, without the substance, of legal right. Misuse of
power, possessed by virtue of state law and made possible only because wrongdoer is clothed
with authority of state, is action taken under ‘color of law.’”

Executive Orders Rule the Land

The current situation is that legalism has usurped and engulfed the law. The administration of legal
rules, codes, and statutes now prevail instead of actual law. This takes place on a federal as well as
state level. Government administrates what it has created through its own purported "laws," which
!

1
are not lawful, but merely “legal.” They are arbitrary constructs existing only in law and are based
on fictitiously created “authority,” i.e. no authority; and are authorized and enforced by legal
Executive Orders. Executive Orders are not lawful and never have been. As you read the following,
be aware of the words code and administration.

Looking at the United States Census 2000 reveals that the legal authority for this census comes from

:
-
Office of Management and Budget (OMB) Approval No.0607 0856. The OMB is a part of the
Executive Office of the President of the United States. The U .S. Census Bureau is responsible for
implementing the national census, which is a division of the Economics and Statistics Administration
of the U.S. Department of Commerce ( USDOC). The USDOC is a department of the Executive
Branch. Obviously, Census 2000 is authorized, carried out, controlled, enforced and implemented by
—
the President, a/k/a the Executive Branch of the Federal Government functioning as it has been
I
Page 13 of 19 A Memorandum of Law on the Name
354
since 1861, in the lawless realm of necessity (which is now even more degenerate than when it
commenced under Lincoln).

In fact, the Executive Office of the President controls the entire nation through various departments
and agencies effecting justice, communications, health, energy, transportation, education, defense,
treasury, labor, agriculture, mails, and much more, through a myriad of Executive Orders,
Proclamations, Policies, and Decisions.

Ever)' US President since Lincoln has claimed his 'authority' for these Executive Orders on Article II,
Section 2 of the U.S. Constitution:

"The President shall be commander in chief of the Army and Navy of the United States, and
of the militia of the several states, when called into the actual service of the United States; . .
He shall have power, by and with the advice and consent of the Senate, to make treaties,
provided two thirds of the Senators present concur; and he shall nominate, and by and with
the advice and consent of the Senate, shall appoint ambassadors, other public ministers and
consuls, judges of the Supreme Court, and all other officers of the United States, whose
appointments are not herein otherwise provided for, and which shall be established by law:
but the Congress may by law vest the appointment of such inferior officers, as they think
proper, in the President alone, in the courts of law, or in the heads of departments.’1

In reality, the Congress is completely by-passed. Since the Senate was convened in April, 1861 by
Presidential Executive Order No.2, not by lawful constitutional due process, there is no United States
Congress. The current “Senate” is, like everything, “colorable” (“color of Senate”) under the direct
authority of the Executive Office of the President. The President legally needs neither the consent
nor a vote from the Senate simply because the Senate's legal authority to meet exists only by
Executive Order. Ambassadors, public ministers, consuls, Federal judges, and all officers of the
UNITED STATES are appointed by, and under authority of, the Executive Office of the President.

The Federal Register is an Executive Functionary

The first official act of every incoming President is to re-affirm the War Powers. He must do so, or
he is devoid of power to function in office. The War Powers are set forth in the Trading With The
Enemy Act of October 6, 1917, and the Amendatory Act of March 9, 1933 (The Banking Relief Act).
In the Amendatory Act every citizen of the United States was made an enemy of the Government, i.e.
the Federal Reserve/IMF, et al, Creditors in bankruptcy who have conquered the country by their
great paper-money banking swindle.2

For the past 65 years, every Presidential Executive Order has become purported "law" simply by its
publication in the Federal Register, which is operated by the Office of the Federal Register (OFR). In
1935, the OFR was established by the Federal Register Act. The purported authority for the OFR is
found within the United States Code, Title 44, at Chapter 15:
u
§ 1506. Administrative Committee of the Federal Register; establishment and composition;
powers and duties

2
The Federal Reserve Bank , i.e. the “Central Bank,” places Government lOUs, i.e. Treasury Notes, on deposit in the
Federal Reserve bank , credits the Government account for the amount of the IOU , charges interest to the
Government (paid hy taxpayers), and the Government has checkbook money to spend. The cost to the bank for
these bookkeeping entries is nothing .
A Memorandum of Law on the Name Page 14 of 19
355
 “The Administrative Committee of the Federal Register shall consist of the Archivist of the
United States or Acting Archivist, who shall be chairman, an officer of the Department of
Justice designated by the Attorney General , and the Public Printer or Acting Public Printer .
The Director of the Federal Register shall act as secretary of the committee. The committee
shall prescribe, with the approval of the President, regulations for carrying out this chapter ."

Notice that the entire Administrative Committee of the Federal Register is comprised of officers of
the Federal Government. Who appoints all Federal officers? The President does. This “act” also
gives the President the authority to decree all the regulations to carry out the act. By this monopoly
the Executive establishes, controls, regulates and enforces the Federal Government without need for
any approval from the Senate. How could anyone possibly call this lawful?

In 1917, President Woodrow Wilson couldn't persuade Congress to agree with his desire to arm
United States vessels accessing hostile German waters before the United States entered World War I,
so Wilson simply invoked the "policy" through a Presidential Executive Order. President Franklin
D . Roosevelt issued Executive Order No . 9066 in December 1941 forcing 100,000 Americans of
Japanese descent to be rounded up and placed in concentration camps while all their property was
confiscated .

Is it any wonder that the Congress the president “ legally ” controls did not impeach President William
Jefferson Clinton when the evidence for impeachment was overwhelming? On that note, why is it
-
that the Attorney Presidents have used Executive Orders the most ? Who but an attorney would know
and understand legal rules the best . Sadly, they enforce what's “legal” and ignore what 's lawful. In
fact , they have no access to what is lawful since the entirety of their “authority,” which is ethically
and existentially specious, derives from the War Powers.

How Debt is Assumed by Persons with All-Caps Names

We now refer back to the matter of assumption, as already discussed, with its relationship to
arbitrarily created juristic persons, e.g. “ STATE OF CALIFORNIA,”“JOHN P JONES.” Since an
assumption, by definition , implies debt, what debt is assumed by the newly created artificial person ?
—
Now that we have explored the legal executive — basis of the current federal and state governments,
it is time to put all this together.

The government use of all caps in place of proper names is absolutely no mistake. It signifies an
internal (“legal ” ) rule and authority . Its foundation is pure artifice and the results have compounded
into more deceit in the form of created , promulgated instituted , administrated , and enforced rules,
—
codes, statutes and policy i.e. “ the laws that appear to be but are not, never were , and never can
be . ”

Qui sentit commodum, sentire debet et onus. He who enjoys the benefit, ought also to bear the
—
burden. He who enjoys the advantage of a right takes the accompanying disadvantage a privilege is
subject to its condition or conditions. Bouvier’s Maxims of Law, 1856.

The Birth Certificate

- — —
Since the early 1960's, State governments themselves specially created , juristic, corporate persons
signified by all caps names have issued birth certificates to "persons” with all caps names. This is
not a lawful record of your physical birth, but rather the birth of the juristic, all -caps name { see birth
in Glossary ). It may appear to be your true name , but since no proper name is ever written in all caps
(either lawfully or grammatically ) it does not identify who you are . The birth certificate is the
government's self-created document of title for its new “property,” i .e. the deed to the juristic name
-
Page 15 of 19 A Memorandum of Law on the Name
356
artificial person whose all-caps name “mirrors” your true name. The birth certificate brings the new
- -
all capital ]etters vessel into colorable admiralty/maritime law, the same way a ship is berthed.

One important area to address, before going any further, is the governmental use of older data storage
from the late 1950's until the early 1980’s. As a "leftover" from various teletype-oriented systems,
many government data storage methods used all caps for proper names. The IRS was supposedly still
complaining about some of their antiquated storage systems as recent as the early 1980’s. At first,
this may have been a necessity of the technology at the time, not a deliberate act. Perhaps, when this
technology was first being used and implemented into the mainstream of communications, some
legal experts saw it as a perfect tool for their perfidious intentions. What better excuse could there
be?

However, since local, State and Federal offices primarily used typewriters during that same time
period, and birth certificates and other important documents, such as driver’ s licenses, were produced
with typewriters, it's very doubtful that this poses much of an excuse to explain all caps usage for
proper names. The only reasonable usage of the older databank all-caps storage systems would have
been for addressing envelopes or certain forms in bulk, including payment checks, which the
governments did frequently.

-
Automated computer systems, with daisy wheel and pin printers used prevalently in the early 1980's,
emulated the IBM electric typewriter Courier or Helvetica fonts in both upper and lower case letters.
Shortly thereafter, the introduction of laser and ink-jet printers with multiple fonts became the
standard. Re the past fifteen years, there can be no excuse that government computers will not
accommodate the use of lower case letters unless the older data is still stored in its original form, i.e.
all caps, and has not been translated due to the costs of re-entry. But this does not excuse the entry of
new data , only "legacy" data. In fact, on many government forms today, proper names are in all caps
while other areas of the same computer-produced document are in both upper and lower case. One
can only conclude that now, more than ever, the use of all caps in substitution for the writing of a
proper name is no mistake .
When a baby is born, the hospital sends the original, not a copy, of the record of live birth to the
State Bureau of Vital Statistics, sometimes called the Department of Health and Rehabilitative
Services (HRS). Each STATE is required to supply the UNITED STATES with birth, death, and
health statistics. The STATE agency that receives the original record of live birth keeps it and then
-
issues a birth certificate in the corrupted, all caps version of the child’s true name, e.g. JAMES
WILBUR SMITH.

- --
“cer tif i cate, noun. Middle English ceriificat, from Middle French, from Medieval Latin
ceruficatum. from Late Latin, neuter of certificate, past participle of certificare, to certify,
15th century . 3: a document evidencing ownership or debt.” ( Underline emphasis added]
Merriam Webster Dictionary, 1998.

The Birth certificate issued by the State is then registered with the U.S. Department of Commerce -
- -
the Executive Office specifically through their own sub agency, the U.S. Census Bureau, which is
responsible to register vital statistics from all the States. The word registered\ as it is used within
-
commercial or legal based equity law, does not mean that the all caps name was merely noted in a
book for reference purposes. When a birth certificate is registered with the U.S. Department of
Commerce it means that the all-caps legal person named thereon has become a surety or guarantor, a
condition and obligation that is automatically and unwittingly assumed unless the presumption is
effectively rebutted; i.e . notice to the effect of; “It ain’t me.”

A Memorandum of Law on the Name Page 16 of 19

357
 -
“ Security, Bond. Security. I a: Something (as a mortgage or collateral ) that is provided to
make certain the fulfillment of an obligation. Example: used his property as security for a
loan . Ib: "surety." 2: Evidence of indebtedness, ownership, or the right to ownership. Ibid. -
Bond. I a: A usually formal written agreement by which a person undertakes to perform a
certain act (as fulfill the obligations of a contract) . , with the condition that failure to perform
or abstain will obligate the person . . . to pay a sum of money or will result in the forfeiture of
money put up by the person or surety , lb: One who acts as a surety. 2: An interest bearing
document giving evidence of a debt issued by a government body or corporation that is
-
sometimes secured by a lien on property and is often designed to take care of a particular
-
financial need. IbidMerriam Webster Dictionary of Law, 1996.

“Surety. The person who has pledged him or herself to pay back money or perform a certain
action if the principal to a contract fails, as collateral, and as part of the original contract. ”
Duhaime's Law Dictionary,

“1: a formal engagement (as a pledge) given for the fulfillment of an undertaking. 2: one who
promises to answer for the debt or default of another . Under the Uniform Commercial Code,
however, a surety includes a guarantor , and the two terms are generally interchangeable.”
Merriam Webster's Dictionary of Law, 1996.

“Guarantor. A person who pledges collateral for the contract of another, but separately, as
part of an independent contract with the obligee of the original contract ” Duhaime’s Law
Dictionary.

- -
It is not difficult to see that a state created birth certificate with an all caps name is a document
evidencing debt the moment it is issued . Once a state has registered a birth document with the U.S.
Department of Commerce, the Department notifies the Treasury Department, who takes out a loan
from the Federal Reserve. The Treasury uses the loan to purchase a bond (the Fed holds a “purchase
—
money security interest” in the bond see Glossary ) from the Department of Commerce, who invests
the sale proceeds in the stock or bond market. The Treasury Department then issues Treasury
securities in the form of Treasury Bonds, Notes, and Bills using the bonds as surety for the new
“securities . ” This cycle is based on the future tax revenues of the legal person whose name appears
on the birth certificate. This also means that the bankrupt, corporate U.S. can guarantee to the
purchasers of their securities the lifetime labor and tax revenues of every “citizen of the United
States’VAmerican with a birth certificate as collateral for payment. This device is initiated simply by
converting the lawful, true name of the newborn into a legal, juristic name of a person.

Dubuque rei potissinia pars prineipium est. - The principal part of everything is in the beginning.
(“Well begun is half done.”)
i

Legally, you are considered a slave or indentured servant to the various federal, state and local
- -
governments via your STATE issued, STATE created birth certificate in the name of your all caps -
person . Birth certificates are issued so that the issuer can claim “exclusive” title to the legal person
created thereby. This is further compounded when one voluntarily obtains a driver's license or a
Social Security Account Number. The state even owns your personal and private life through your
- -
STATE issued marriage license/certificate issued in the all caps names. You have no rights in birth ,
marriage, or even death. The state holds title to all legal persons the state creates via birth certificates
until the rightful owner , the holder in due course of the instrument, i.e. you , reclaims/ redeems it.

Page 17 of 19 A Memorandum of Law on the Name

358
 -
The main problem is that mothers/parents and then the 18-year old man/woman have voluntarily
agreed to this contrived system of plunder by remaining silent; comprising legal default, laches3, and
failing to assert our absolute rights4. The maxim of law becomes crucially operative: “He who fails
to assert his rights has none.” The legal rules and codes enforce themselves. There is no court
-
hearing to determine if those rules are correct. Their "law " is self regulating and self supporting. -
Once set into motion, their "law's " automatically come into effect provided the legal process has been
followed.

The Various Bankruptcies

The legal person known as the UNITED STATES is bankrupt and holds no lawful Constitutionally
— —
mandated silver or gold coin or bullion with which to back any currency . AH privately held and
federally held gold coins and bullion in America was seized via Executive Order of April 5 , 1933 and
paid to the creditor, the private Federal Reserve under the terms of the bankruptcy .

—
Congress still convening strictly under Executive Order authority confirmed the bankruptcy—
through the Joint Resolution to Suspend The Gold Standard And Abrogate The Gold Clause, June 5,
1933 in House Joint Resolution (HJR ) 192, June 5, 1933, 73 rd Congress, 1st Session, Public Law 73 -
10. This 1933 public law states, in part :

".. .every provision contained in or made with respect to any obligation which purports to give
the obligee a right to require payment in gold or a particular kind of coin or currency, or in an
amount in money of the United States measured thereby , is declared to be against public
policy."

The corporate U.S. declared bankruptcy a second time, whereby the Secretary of Treasury was
appointed "Receiver" for the bankrupt U.S. in Reorganization Plan No. 26, Title 5 USC 903, Public
-
Law 94 564, Legislative History, page 5967.

Since 1933 , the only “assets” used by the UNITED STATES to “pay its debt ” to the Fed have been
the blood , sweat, and tears of every American unfortunate to be saddled with a birth certificate and a
Social Security Account Number (the U.S. Government must conceal this fact from the American
people at alt costs). Their future labor and tax revenues have been “legally” pledged via the new all-
-
caps, juristic person names appearing on the birth certificates, i.e. the securities used as collateral for
-
loans of credit ( belief/air) to pay daily operational costs, re organization expenses in bankruptcy,
insurance policy premiums required to float the bankrupt government, and interest on the ever-
increasing, wholly fraudulent, debt.

All Caps Legal Person v. The Lawful Being

Just who or w'hat is the all caps person , i.e . “ JOHN PAUL JONES, uJOHN P JONES/’ or some
- -
other all capital letter corruption thereof ? It is the entity the government created to take the place of
the real being, i.e. John Paul Jones. The lawful Christian name of birthright has been replaced with a
legal corporate name of deceit and fraud. If the lawful Christian name answers when the legal person
is addressed, the two are recognized as being one and the same. However, if the lawful being
distinguishes himself/herself as another party than the legal person, the two are separated.

3
Laches: Unreasonable delay or negligence in pursuing a right or claim — almost always an equitable one — iin a
way that prejudices the party against whom relief is sought . Black' s 7th .
4
See absolute rights in Glossary.
A Memorandum of Law on the Name Page 18 of 19
359
 A result of the federal bankruptcy was the creation of the “ UNITED STATES,
” which was made a
part of the legal reorganization. The name of each STATE was also converted to its respective,
all-
caps legal person, e.g. STATE OF DELAWARE. These new legal persons were then used to
create
more legal persons, such as corporations, with all-capital letters names, as well. Once this
was
accomplished, the con really began to pick up speed.

All areas of government and all alleged “courts of law,” are de facto, “color of law and right”
institutions. The “CIRCUIT COURT OF WAYNE COUNTY ” and the “ U.S. DISTRICT COURT”
can only recognize and deal with other legal persons. This is why your lawful name is never entered
in their records . The all-caps legal person is used instead . Jurisdiction in such sham courts covers
only other artificial persons. The proper jurisdiction for a lawful being is a Constitutionally
sanctioned, common- law-venue court. Unfortunately, such jurisdiction was “shelved ” in 1938 and is
no longer available; the only courts today are statutory courts.

Page 19 of 19 A Memorandum of Law on the Name

360
 NOTE
The Shetar’s Effect on English Law— A Law of
the Jews Becomes the Law of the Land
The rational study of law is still to a large extent the study of history.
Holmes* The Path of the Law }

L INTRODUCTION
English law , like the English language, is an amalgam of diverse cultural
influences. The legal system may fairly be seen as a composite of discrete ele -
ments from disparate sources. After the conquest of 1066, the Normans im -
posed on the English an efficiently organized social system that crowded out
many Anglo-Saxon traditions.2 The Jews, whom the Normans brought to
England, 3 in their turn contributed to the changing English society. The Jews
brought a refined system of commercial law: their own form of commerce and
a system of rules to facilitate and govern it. These rules made their way into
the developing structure of English law.
Several elements of historical Jewish legal practice have been integrated into
the English legal system / Notable among these is the written credit agree-
—
ment shetar, or starr, as it appears in English documents. The basis of the
shetar, or "Jewish Gage ," was a lien on all property (including realty)5 that has
been traced as a source of the modem mortgage / Under Jewish law, the shetar

.
\ 10 KARV. L. Rev. 457. 469 (1897).
2. I G.M. TREVELYAN, HISTORY OF ENGLAND I 42 48 (1953).
. -
3 I F. POLLOCK & F.W. MAFTLAND, THE HISTORY OF ENOUSH LAW BEFORE THE TIME OF ED -
WARD 1 468 ( reissued 2d ed. 1968), There is some dispute whether the Jews arrived by William the
Conqueror's invitation or merely with his permission. 4 S. BARON, A SOCIAL AND RELIGIOUS HISTORY
OF THE JEWS 77 ( 1957).
. . -
4. See generally J RARINOWITZ JEWISH LAW 250 72 ( 1956) (discussing Jewish Cage, Odaita, Starr
of Acquittance, and Representation by Attorney ).
. -
5 See infra text accompanying notes 34 36 (describing shetar and accompanying lien ).
. .
6. Rabinowjtz, The Common tow Mortgage and the Conditional Bond 92 U PA. L. REV. J 79 94 -
(1943). The author traces the two-instrument (debt and release) mortgage to its origin as a device to
avoid asm &khta, a Jewish principle invalidating penalty clauses. Under that doctrine, Jewish money
lenders were forbidden (0 exact a penalty conditioned on the future failure of the debtor's obligation.
- . .
Id at 184 85 If a conveyance involved asmakhta, it was void. Id at 182 Invalidation as asmakhta
.
could be avoided if all obligations were incurred at the time of the original transaction. Id. at 184 185 -
86. Land was setzable as security only if the creditor went into possession at the lime of the loan:
'‘Meakhshav"
- .
~"froin now". Id at 18 f For this reason, the debt instrument included an immediate
.
conveyance of the land that was to serve as security against default A second instrument, the acauiual
would release the security and reconvey the land to its original owner if the debt were paid on or before
its due date. Id. at 185. The entire written obligation (shetar) remained in the hands of a third parry for
.
the duration of the debt. Id. at 192 The document proved that the debt existed and clarified the rights
.
and duties of the parties in case of default. See also 2 C HERZOG, THE MATH INSTITUTIONS OF JEWISH
- .
LAW 71 92 (2d ea 1967) (chapter on asmakhta ).
Rabinowitt finds in these and other early Jewish devices for avoiding asmakhta both the structural
and substantive roots of the English mortgage and the later developed equitable right of redemption. J .
- -
RANNOWITZ, supra note 4, at 250 72. See also F. LINCOLN, THE STARRA 47 50 ( 1939) (outlining the
same derivation ); see generally F. LINCOLN, THE LEOAL BACKGROUND TO THE STARRA ( 1932 ) (same ).
Compare the historical period of equitable right of redemption with the same term of protected re-

1179
 1180 THE GEORGETOWN LAW JOURNAL (Vot. 71:1179 1983] THE SHETAR TN ENGUSH LAW 1181
a
permitted a creditor to proceed against all the goods and land of the defaulting
debtor.7 Both “ movable and immovable'’ property were subject to distraint.8
mentsJ And as the identity of the principals in the landlord tenant
”
relationship became less critical, a change in the feudal rules restricting aliena-
-
In contrast, the obligation of knight service under Anglo - Norman law bility of interests in land became possible.
barred a land transfer that would have imposed a new tenant (and therefore a One catalyst for this change may have been the litigation surrounding debt
different knight owing service) upon the lord.* The dominance of personal feu - obligations to Jews secured by debtors’ property. The Jews in Norman Eng-
dal loyalties equally forbade the attachment of land in satisfaction of a debt: .
land had a specified legal status They alone could lend money at interest 1 '' .
only the debtor’s chattels could be seized.10 These rules kept feudal obligations They were owned by the King, and their property was his property.20 The
intact, assuring that the lord would continue to be served by his own knights.
When incorporated into English practice, the notion from Jewish law that
King suffered their presence only so long as they served his interests 21 pri-
marily as a source of liquid capital 22 . —
debts could be recovered against a loan secured by MaU property, movable and Because money lending by Christians was infrequent, English law had not
-
immovable” was a weapon of socio economic change that tore the fabric of
feudal society and established the power of liquid wealth in place of land
established its own forms of security.23 The Jews operated within the frame-
work of their own legal practice,24 which was based on Talmudic law devel -
holding.11 oped over centuries of study. But the peculiar status of the Jews as the
The Crusades of the twelfth century opened an era of change in feudal Eng- Crown’s dc facto investment bankers encouraged the King to direct his courts
land. To obtain funds from Jews, nobles offered their land as collateral.12 Al- to enforce the credit agreements made by Jews under their alien practice. This
though the Jews, as aliens, could not hold land in fee simple, 13 they could take nourished the growth of Jewish law in a way that blurred the absolutes of
security interests of substantial money value.14 That Jews were permitted to
hold security interests in land they did not occupy expanded interests in land
feudal land tenure.25 Previously inalienable rights in land gave way to eco
nomic necessities, and the English ultimately adopted the Jewish practices. 26
-
beyond the traditional tenancies.15 The separation of possessory interest from
interest in fee contributed to the decline of the rigid feudal land tenure
. This note examines a moment of contact between two peoples, when neces
sity, proximity, and social upheaval prompted a cultural exchange between the
-
structure.16
At the same time, the strength of the feudal system’s inherent resistance to
Jewish merchants and moneylenders and those ( hey served. The note de
scribes the effect on English law brought about by the King’s Jews as they
-
--
this widespread innovation abated. By 1250, scutage 17 had completely re
placed feudal services: tenant obligations had been reduced to money pay IB. In feudal land hoiding; , the tenant's possessory right in land was limited to usufruct as granted
by the King, who retained a bsolute dominion over trie land. The denotation of the tenant's interest ns
f e e ( o r f e u d , o x feodum ) reflected the tenant J obligation to render service to the sovereign In return
d eruption in Leviticus 25:29: " And if a man sell a dwelling bouse in a walled city; then he may redeem
.
it within a whole year a Her it is sold; for a full year shall he have the right of redemption ” Id.
. .
for the privilege of using the land. 2 W BLACKSTONE COMMENTARIES “ 104 05 - .
During the Aral century of the Norman Conquest land was held by military tenure, in which the
7. J , RABINOWITZ, supra note 4, at 253. See infra text accompanying notes 33-47 (describing shetar in .
tenants owed a specified number of days per year in knight service I F. POLLOCK & F.W. MAITLAND .
Jewish law). . .
supra note 3 at 252 Either the tenants or their servants owed personal service in the King's army.
8. Set infra text accompanying note 35 (extent of lien imposed by shetar ) . Later, the King came to require a standing army to pursue extended campaigns on the Continent. Id
.
9. T F. BEROIN A P.G. HASKELL, PREFACE TO ESTATES IN LAND AND FUTURE INTERESTS 8 ( 1966). -
In place of short term combat service, the King accepted “scutage" (literal derivation: '’shieldage"),
Land tenure was central to social organization within the feudal system: - -
whereby bis tenants in chief seat money in lieu of themselves or their knights. Id. at 266. The scutage
fees enabled the King to employ professional troops and permitted the gentle men to remain at home.
The feudal system originated in the relations of a military chieftain and his followers, or king
and nobles, or lord and vassals, and especially their relations as determined by the bond -
Id See generally id. at 252 82 (section cm knight 's service). By the reign of Edward 1 in 1272, both
personal service and scutage failed to provide adequate military resources; additional taxes were insti -
.
established by a gram of land from the former to the latter From this it grew into a complete
tnd intricate complex of rules for the tenure and transmission of real estate, and of correlated
.
tuted in their stead E. JINKS, supra note 12, at 102.
duties and services . . . . 19. IF. POLLOCK & F.W. MAITLAND, jupra oote 3, at 468 .
20. Id. at 468, 471 .
BIACK 3 LAW DICTIONARY 560 ( rev. 5th ed. 1979) (emphasis in original). 21. See Maaditum Regis Justitiariis Ad Custodiam Judconira Assignatis dc Quibusdacu Statutis per
. . .
10 2 F POLLOCK A F W. MAITLAND, supra note 3 at 596.
. . Judeos in Anglia Firmiter Observandis. Anno Regoi Regis Henrid Tncesimo Septimo ( Mandate of the
1 ). See H.G RICHARDSON, THE ENOLJSH JEWRY UNDER ANOEVTN KINDS 94 ( I 960) (Jews’ liquida
-
tion of land obligations broke down rigidity of structure of feudal land tenure and facilitated transfer of
King to the Justices Assigned to the Custody of the Jews Touching Certain Statutes Relating to the
-
Jews in England Which are to Be Rigorously Observed. The Thirty Seventh Year of King Henry )
.
( A D. 1253f (Mandate of Henry III ordaining "What no Jew remain in England unless he do ( he King
land to new capitalist class) . service, and that from the hour of birth every Jew, whether male or female, serve Us in some way ” ),
12. E. JENKS, EDWARD PLANTAOENET, THE END US H JUSTINIAN 40 41 (1923).
. - - .
printed in J.M RlOo, supra note 13, at xlviii xlix. -
13. See F LINCOLN, THE STARRA 114 15 (1939) (Jews could possess lands, but not hold by fee );
SELECT PLEAS, STARRS, AND OTHER RECORDS FROM THE ROLLS OF THE EXCHEQUER OF THE Jews ix
. - 21 1 G.M. TREVELYAN, supra note 2, at 250 51,
. .
23. J RAMNowrTZ supra note 4, at 261
-
.
x (J M , Rigg ed. A trans. 1902) (hereinafter J.M RlOo|(Jews religiously btiTed from swearing Chris-
tian oath of fealty, and therefore disabled from holding feudal estate). 24. See J.M. Rico, supra note 13, at xix (Jews made loan arrangements according to traditional law
. .
14 E JENKS, supra note 12, at 40-41 . of the shetar) .
.
O' ) POLLOCK <k F W. MAITLAND, supra note 3, at 469 (alien to English law for creditor not
. -
25. See 2 F. POLLOCK A F.W MAITLAND, supra note 3, it 123 24 (Jewish creditors* rights in land
, enforced by King; same rights not available originally to Christian creditors).
in possession of land to have rights in ii) . . .
26. Set \ F POLLOCK A F W. MAITLAND, supra oote 3, at 475 (Second Statutes of Westminster of
16. E. JENKS, supra note 12 at 41.
.
. 1285 gave Christian creditor (he remedy of eiegit , similar to the chaioe of remedies a (forded Jewish
17 Scutage, in medieval feudal law, was a payment by the tenant in lieu of military service D.
.
WALKER THE OXFORD COMPANION TO LAW 1121 ( 1980). Set infra note 18.
.
procedures and eventual award of land to unpaid creditor)
-
creditors). See also infra text accompanying notes 168 78 (Statute of Merchants adopted enrollment
.
 (Voi. 71:117» — -tm-
+m
- TH ^
^ TOROgF
^WN-L^AWiQURNAtr T
^ £ S4iETAR m £
i - - Netistt-fc7W

executed and registered debt instruments, assigned and enforced the underly - and immovable property held by the debtor, but also against encumbered land
ing obligations, and generally survived by moneylending, the only profitable that the debtor had transferred to a third party . 36 The debt attached to the
occupation open to them. 27 It first reviews the Jewish credit agreement and its land, and the creditor's lien had priority over subsequent alienations. 37
function in Anglo - Norman feudal society. It then suggests a rational explana- Because of the severe obligations imposed by the shetar, the contents of the
tion for a development in medieval English law heretofore perceived only as instrument followed a standard form designed to ensure authenticity and pre -
an anomaly: that the early writs of debt, which were for recovery of money, cision. Each shetar recited standard clauses of obligation , the creditor’s right
used terminology more appropriate to an action for recovery of land . This to customary modes of execution , and a final phrase stating that the document
confusion now appears to be merely the linguistic expression of an innovation was not merely a form but a statement of an express contract . 30 Inserted into
in the law due to the development of an action to recover alternative relief: the form language were the names of the parties, the sum and the currency of
repayment of money lent or award of collateralized land. the debt, and the date of the obligation, thereby indicating the creation of the
Finally, the note focuses on the incorporation of Jewish law into English lien. 39 To prevent fraud, the document was signed by two witnesses who knew
practice through a series of thirteenth century cases involving the same Jewish the parties . 40
litigant . Jewish debt procedure had by then become part of everyday business A nation of wanderers, in adapting to a variety of cultures , determined that
in England. Even as the Jews began to be excluded from moneylending , their the language in which the shetar was written should be irrelevant ( o its legal
procedures were adopted into the general English law governing debt registra- validity 4 * Thus , in dealings with a surrounding Gentile populace, Jews were
tion and collection. In 1275, the statute “ Dc Judeisrao” 28 forbade the Jews’ content that loan agreements be formalized in Latin or in the Norman French
usurious practices. 29 In 1285 , the Statute of Merchants30 formalized creditor of early England 42 Generally* the Jewish parties and witnesses would attest in
remedies that paralleled the provisions of the Jewish shetar. 31 In 1290, the
Jews were expelled ,32 but their credit practices remained . uistrumcnt’s formation, regirdlcw of whether the lien was caprewly written into the shetar. Jewish law
originally did not attach debt obligation to chattels. During the amoraic period. Jewish law extended
II. JEWISH CREDIT AGREEMENTS IN FEUDAL ENGLAND the lien to the movable property of the debtor if specifically rioted in the shetar. But the rabbtnjc courts
would not enforce a lien against movable properly that had been sold by the debtor to a third party, Id
.
A THE SHETAR IN JEWISH LAW -
36. Id aH 86, During the post Talmudic period, it became customary to insert in the shetar a provi-
-
sion imposing a lien on the cebtor’a after acquired property. J, RAtmowrrz. supra note 4, at 254
The law of the shetar, developed and elaborated by 500 A . D. in the Babylo- .
37. Eton Li*i, in PUNCIM.ES OF JEWISH LAW 283 (M. Elon ed. 1975).
38. Fuu, supra note 34, at 184 -85; Q. Hoxowrrz, supra note 33, at 509* 11.
nian Talmud, antedates the Norman Conquest by six centuries.33 Historically, 39. G. Hoxowrrz, supra note 33, at 511,
the “shetar hov” (or generally just “shetar”) was an instrument that established
formal obligation , either in contract or in debt .34 At the moment that a debtor
acknowledged his indebtedness through a shetar, a general lien was estab-
lished , encumbering all the debtor’s property as security for ultimate repay -
—
40. Id at 511. In contrast lo the documentary procedure of the written shetar, credit agreements also
could be made orally under Jewish law, Mifvch be*al peh -literally “loan by mouth " was distin -
—
guished from miiveb bi shetar “loan by writing.* Shiloh, Loans, in PRINCIPLES OF JEWISH LAW 262
1'

(M. Elon ed . 1975). The oral creditor, however, had no right to levy on the debtor s alienated and
encumbered property lo obtain satisfaction of the debt Id
'

ment . 35 In case of default, the creditor could proceed not only against movable 41. 1 C. HERZOO, THE MAIN INSTITUTIONS OF JEWISH LAW 152 (2d ed. !965).
From the time of the Jewish exile in Babylonia, 586 B.C., the Jews had Lived as outsiders in foreign
lands. In order to live within their own law, they developed a doctrine to minimize conflicts between
. .
27 1 F, POLLOCK A F.W MAITLAND, supra note 3 , at 471 (English Jews could profitably engage Jewish law and the law of the surrounding community. G. HOROWITZ, supra note 33. at 79 . In deal-
onlv in moneylending). Although the Talmud prohibited charging interest on loans, even to Gentiles, ings with the Christian populace, the Jewish community followed the principle that '‘the law of the
-
authorities including Rabbenu Tam (a 12th century Talmud scholar whose opinions are still cited with Kingdom is the Law" (dine de- maikhuU dint ). They accepted and obeyed any law that did not con -
respect ) permitted Jews to lend Gentiles money at interest ‘'because no other avenues of trade or com
merce ( were ) open to Jews, and the lending of money|was[ the only means oflivelihood left to them " .
- -
flict with Jewish laws governing specific religious obligations. Dina De Maikhu/a Dina , in 6 ENCYCLO-
PEDIA JUDAIC A 51, 54 (1972). Respect for the rule of the Gentile sovereign raised the problem of
.
D.M. SHOHET THE JEWISH COURT IN THE MIDDLE AOES 89 90 (1931)
. - .
.
28 1 STATUTES OF THE REALM 221 (London I 8 t 0 & photo , reprint 1963) This statute, which is
determining the applicable law:
Tbe decrees of the king are law to us; but the national law is not our law. Among all nitrons
.
undated, is generally thought to date from 1275 Sat 10 S. BARON, supra note 3, at 111 (attributing there are certain fundamental rights and privileges which belong to the sovereign. Within this
. - .
statute to 12 / 5); J .M RIOO, JW/VIJ note 13, at xjutviii (attributing statute to 1274 75) STATUTES OF THE
- -
REALM attributes the statute to either 4 Edw. ( t 275 76) or Is Edw. (1289 90). I STATUTES OF THE
scope, the commands of the king are law. But this does not hold true of the judgments ren -
dered In their courts. Far the laws which (he courts apply are not the essence of royalty. They
REALM 221 n .( t ]. *
are based on the precedents to be found in their writings. You cannot dispute this distinction,
29. Set Les Esututz de la Jeuerie (The Statutes of Jewry ) f l STATUTES OF THE REALM 221, 221
( providing thmi henceforth no Jew lend at usury upon land, rent, or other thing; that interest accruing
.
for otherwise you would annul God forbid, the laws of the Jews.
after previous Feast of 5t. Edward not be collectible; that debts to Jews secured by chattels be paid bv
Easter or be forfeited; and that the King will no longer enforce the Jews' usurious contracts, but will
- -
O. HOROWITZ, supra , at 79 80 (quoting Rashba, Rabbi Solomon ibn Ad ret of Barcelona ( 1235 1310)).
Jewish courts would enforce external civil laws and formalities, id at 80, but did not permit such civil
punish the lender), taw to sanction behavior otherwise forbidden to Jews. Id. Thus, a transaction enforceable in Gentile
..
30. Statute of Merchants, 1285, 13 Edw Seal. 3
.
3 t See infra text accompanying notes 168 78 - .
. -
courts might still be invalidated (as applied to Jews) by a Jewish tribunal. Id. at 80 81.
42. J .M. RJOO, supra note 13, at xia, See HEIREW DEEDS OF ENGLISH JEWS (M. D. Davis ed. &
.
32 10 S, BARON, supra note 3, at 113.
.
.
Iran 1888) (hereinafter M.D. DAVIS ) (reproducing the Hebrew portion of shetars in Hebrew and
33. G HOROWITZ, T« e SPIRIT OF JEWISH LAW 16 (1953) . Latin ); STARRS AND JEWISH CHARTERS PRESERVED IN THE BRITISH MUSEUM (l. Abrahams, H. P.
34. Fuss, Shetar, in PRINCIPLES OF JEWISH LAW 186 (M. Elon ed. 1975) .
23. Id The shetar imposed a lien on ail the real properly that the debtor owned at the lime of ( be and Latin pontons of abetars).
-
Stokes A H. Loewe eds. A (fans. 1930 32) (hereinafter STARRS AND CHARTERS ] (reproducing Hebrew
 1184 THE GEORGETOWN LAW JOURNAL [VoL 71:1179 1983] THE SHETAR IN ENGLISH LAW 1185
&
Hebrew and the Christians in French or Latin.43 Although neither party may system , he avoided the system’s tendency toward decentralization and disinte-
have understood the other’s language, the document had the full force of law gration that had sapped the power of the French kings.33 He limited the power
in both communities.44 -
of his tenants- in chicf by granting each of them landholdings scattered over
The crucial limitation on debt collection under Jewish taw was that a credi
tor had a lien against the debtor's land , but not against the debtor's person /5
- the realm, instead of large, contiguous tracts.54 He governed the counties
through sheriffs who depended on him for their power.33 He maintained a
Personal freedom was not to be diminished by a debt obligation , and a creditor national militia, thereby shunning total reliance on the loyalty of his tenants-
could not enslave one who was unable to repay him 46 The origin of this prac
tice was the Biblical protection of the dignity of debtors, as embodied in the
- -
in chief 56 And he had ail significant landholders swear an oath of primary
allegiance to him.37 This concentration of power in the monarch grew during
injunction not to enter the debtor's home to receive a pledge, but rather to wait
outside for the debtor to bring it out .47 This was the structure of the law of
obligation that the Jews brought with them to England.
—
power military, legislative, and judicial over the nation.58

.
—
the successive reigns of a scries of strong kings who increasingly assumed more

.
B NORMANS IN ENOLAND
— A CENTRALIZING MONARCHY

Unique among its feudal neighbors, the Norman Duchy was governed as a
C THE JEWS UNDER THE NORMAN KINGS
Outsiders in feudal society , both Anglo- Norman and continental, the Jews
-
were not part of the network of land based obligations. They could not own
centralized unit, with no baron strong enough to challenge the Duke's author
ity.48 Although the Norman Duke owed fealty to the King of France, that
- land. On the Continent, they were owned as chattels by the local lords, who
rolected the Jews possessions on the understanding that what a Jew owned,
1

King lacked effective power over his vassals, who independently governed
their own territories.49 In Normandy, however, feudalism was strictly territo
E c held for the ultimate use of his lord.59 The Jews in Norman England , how-
- ever, were within the exclusive domain of the King's personal control, living at
rial: a pyramid of land tenure embodied a system of military obligations as
cending from knight through baron to Duke, from whom all land and
- his sufferance and according to his wishes.60
The first settlement of Jews in England came in the wake of William the
authority derived.50 On the continent, and later in England, William the Con
queror set out to maintain and strengthen this Norman system of centralized
- Conqueror.61 William determined that he should be the sole owner of Jews in
England. Others could own Jews only with the King's permission as expressed
governance.51 With the Conquest, the Normans introduced to England a well
organized central authority. 52
- by royal grant.62 The Leges Edward/ Con/essoris, a twelfth-century compila-
tion and translation into Latin of laws attributed to Edward the Confessor,63
The early governance of conquered England concentrated power in the
King. As William the Conqueror imposed the rigorous order of the feudal 53. W. STUBBS, note 51, it 85 91. -
54. Id. it 90 9 L -
.
43. See, e.g.t J M. Riao, supra note 13, at m ( Hebrew creditor signed in Hebrew); /<rf at 46 ( record 55. Id « L 88.
of Exchequer documenting shetar written in Hebrew with Latin duplicate). In England the terms of the 56. Id. at 86.
acquittance look the Jewish form of the release: “from the beginning of the world" lo the present. J . 57. Id lit 84.
RABINOWITZ, supra note 4, -
265 69. -
58. Id at 117 18, The dates of the Norman and Angevin Kings from the Conquest to the expulsion
44. Both Jewish and English courts recognized the force of a shetar offered as evidence of a debt of the lews in 1290 are:
-
J.M. Rloo , supra cole 13, at xix xx. Rigg describes the elaborate recording and witnessing procedures,
-
including both Jewish and Gentile participants, designed to avoid fraudulent documents. Id The William I -
1066 1087
-
Kina 's courts enforced a duly enrolled shetar. Set infra text accompanying notes 132 4 B (discussing William II -
1087 1100
mechanism by which Exchequer enforced debt obligations). The courts within the Jewish community Henry I -
1100 1135
routinely enforced she Lars. Stephen -
1135 1154
.
45 Elon, Imprisonment for Debt , in PRINCIPLES OF JEWISH LAW 634 (M , Elon ed. 1975). Henry II 1154-1189
46. Id at 634. See also M , ELON , RESTRAINTS OF THE PERSON AS A MEANS IN THE COLLECTION OF Richard l 1189- 1199
-
DEBTS IN JEWISH LAW ( 1961 ) (precis of doctoral dissert at ion} (Jewish tradition had no personal impris
onment for debt, reasoning that if a debtor’s home could not be entered, even Jess could the debtor be
John
Henry III
11994216
1216-1272
taken; in the 13 th century , Jewish scholars be an to debale and approve imprisonment for evasive Edward 1 1272-1307
^
debtors, but only in carefully prescribed conditions).
D. WALKJER, supra note 17 , at 1317.
Unlike Jewish law, English law specifically envisioned such imprisonment. Set Statute of
Merchants, 1285, 13 Edw„ Slat . 3 (establishing imprisonment of the body of a defaulting debtor): Stat
. - .
59. F. LINCOLN, supra note 13, at 8-9 As "Administrator or the Realm,” the continental King had
interstitial power in the areas where no vassal could substantiate a rival claim: upon this theory, the
ute of Acton Burnell, 1283 11 Edw. (if debtors goods insufficient to satisfy debt* debtor imprisoned
pending repayment, but creditor responsible for assuring bread and water sufficient to sustain life of .
King had asserted special authority over widow* and orphans, aliens Jews, lunatics, etc. E. JENKS,
imprisoned debtor, who must further reimburse creditor upon release). supra note 12, at 90 91. -
47. Deuteronomy 24:10- 11 {to preserve debtor's dignity in his own home). 60. F. LINCOLN, supra note 13, at 10 .
48. 1 G.M. TRFVRLYAN, supra note 2, at J 44. .
61. H G. RICHARDSON, supra note 11, at L
-
49. Id at 144 45. .
62 F. LINCOLN, supra note 13, at 10.
.
50 Id at M 3 . 63. I F. POLLOCK. A F.W . MAITLAND, supra note 3, at 103, Pollock and Maitland believe that the
. -
51. W. 5TUB as THE CONSTITUTIONAL HISTORY OF ENOLAND 74 75 (abr ed. 1979).
.
51 O M TREVELYAN, supra note 2, at 142.
.
-
ing some unknown 12th century author's hopeful Imagination . -
laws of Edward the Confessor are of dubious authority as descriptions of historical fact, perhaps reflect
 1186 THE GEORGETOWN LAW JOURNAL rvonuim THE SHETAR IN ENGLISH LAW mi
19831
..

contains a statute that, if not that ancient, adequately describes the Norman mg into their hands.71 Subject to estate taxes,71 Jews were permitted to inherit
period: property and loans. Richard Ts charter,73 granted in 1190, confirmed these
Be it known that ail Jews wheresoever they may be in this realm are rights. John affirmed the early charters in 1201, extending their coverage to all
of right under the tutelage and protection of the King, nor is it lawful Jews and adding the right to hold "mortgages .” 7,4

for any of them to subject himself to any person of wealth without the Under John’s charter, a Jew was free "quietly to sell his gage where it be
King's licence. Jews and all their chattels are the King's property and certain that he has held it for a full year and a day /*73 The charter further
if anyone withhold their money from them let the King recover it as clarified that in suits between Jews and Christians, litigation rights were ex -
his own.64 plicit and, in some cases, advantageous to the Jews. The "bare oath" on the
As chattels of the King, the Jews retained their own property at his pleasure. Torah of a Jewish defendant sufficed to rebut a charge against him by a Chris-
In the thirteenth century, Henry de Bracton wrote: tian plaintiff unaccompanied by witnesses;76 a Christian defendant similarly
situated might be required to “wage his law” with compurgators.77 A suit
[a] Jew cannot have anything of his own, because whatever he ac - against a Jewish defendant was tried by a jury of his “peers."78 And although a
quires, he acquires not for himself but for the king, because they do Jewish plaintiff could use a writ to substitute for a required witness, a Christian
not live for themselves but for others, and so they acquire for others plaintiff could not.79 Trials involving Jews and Christians could be held only
and not for themselves.65 in the King’s courts,80 while jurisdiction of disputes between Jews remained
They lived where the King permitted, and when they died, their properly with the Jewish courts.81
vested in the King.66 Because the ecclesiastical courts could proceed only But the Jews had fewer rights in themselves and in their possessions than did
against Christians 67 the Jews operated free of the Church’s usury prohibitions.
The civil authorities openly permitted the Jews to lend money at interest and .
71. 4 s. BARON, supra note 3, at 78 The right lo possess land was not equal to the right to hold a
enforced their credit contracts, both for principal and interest.68 As the Jews freehold estate, which would have evoked the full range of feudal obligation!between lord and tenant.
prospered the King did too, extracting from them the fruits of their monopoly Set D. WALKER, supra note 17, at 497 {defining freehold). Jews were traditionally excluded from
on usury.69 freehold tenure. C. ROTH, HISTORY of THE Jews IN ENGLAND 107 (1941); cf, H.G. RICHARDSON .
svpra note 11, at 84 (Jews held in fee so rarely that no rule against the practice was needed or estab -
Because it was worthwhile to protect Jewish subjects for their potential lished ). The request by several Jews to hold land in fet and the actual attempt by one to do so led , in
money value, successive sovereigns clarified the status of Jews. Charters of . -
1271 , to a royal man <Ute denying them (be privilege C ROTH, supra , at 65 66. Ste infra note 161
(discussing mandate of 1271).
Henry I and Henry U70 granted individual Jews rights to reside in England , to 72. See supra note 66 (describing taxes levied on Jewish estates).
buy and sell goods, and to possess ail lands, fiefs, purchases, and pledges com - . - -
73. For a translation of the charter, see J. JACOBS, supra note 70, at 134 37.
74. W . PARKES THE JEW IN THE MEDIEVAL COMMUNITY 168 70 ( 1938). The author suggests that
the Jews succeeded the monastic houses as moneylenders when the Church declared such activity by
64. F. LINCOLN, supra note 13. at TO, 4 S. BARON , svpra note 3, at 79; I F. POLLOCK Be F. W.
.
Christians to be usurious Id
75. Carte Libertalam Conce&saram et Confirroaturtiro Jedeis Anglic Anno Regni Regis Johannis
.
MAITLAND, supra note 3 at 468; J .M. RIGG, jt/p/w note 13, at x. Hovedon. the medieval legal historian, Secundo (Charters of Liberties Granted and Confirmed to the Jews of England in the Second Year of
associated the statute with the Justiciar Ranulf de Glanvill. Id. at x.
65. 6 H. DE BRACTON, DE LEG\6 us AT CONSUETUDES us ANGLIAE 51 (T. Twiss ed. & trans. 1883).
.
the Reign of King John)|A.D. 1201) ( hereinafter Charter of King John ) para 7 printed in J.M. RiGG .
-
supra note 13, at 1 2. The Charter of Richard I had similarly provided: “ITJhe aforesaid Jews may sell
-
66. F. LINCOLN, svpra note 13, at 10 1 L Although in theory all property of the deceased Jew re
-
verted to the King, in practice the Crown took only a one - ibird to onc- half share in estate taxes. From
their pledges without trouble after it is certified that they have held them a year and a day. . . . J
JACOSS. supra note 70, at 136. Compare the lime period provided for in Leviticus 2S .29 (one year must
-
Aaron of York, the richest Jew of the time, Henry III exacted anticipatory estate taxes for 19 years
before the principal's death. By then, the estate was bankrupt and the heirs destitute. 10 S. BARDN pass before house taken as debt security may be sold ).
supra note 3, at 100-01. . The rights available to Jews in England contrasted sharply with medieval French tradition. A capit -
ulary of Charlemagne forbade Jews lo take the property of the Church or any Christian in pledge for a
.
67. H.G. RICHARDSON, supra note 11 at 142. .
debt. The penalty was confiscation of the Jew’s properly and loss of his right hand Louis the Pious
.
68. I F. POLLOCK BL F.W. MAITLAND, supra note 3, at 469 n . l Only Jews . were permitted to “take later granted charters to certaia Jewi permitting free contract rights for sale and exchange of property.
.
usury” from a Christian . See id at 473 (Jews had money lending monopoly). Two contemporary
- S. KATZ, THE JEWS IN THE VISIOOTHIC AND FRANKISH KJNODOMS of SPAIN AND GAUL 92 93 ( 1937 & -
sources, GLANvtLL’s TREATISE and the DIALOOUS DE SCACCARJO, describe the penalty exacted from photo, reprint 1970).
Christiana who engaged in "open usury . . .. like the Jews": the usurer's chattels were forfeit. 76. Charter of King John, supra note 75, perm. 5. See also J.M. RIGG , supra note 13, at xii (constru -
TKACTATABUS DE LEGIBUS ET CONSUETUDINTBUS REONI ANGLIC QUI GLANVILLA VOCATUR (The trea - ing charter ).
.
tise on the laws and customs of the Realm of England commonly called Glanvill) Book VII ch. 16, at .
77 I.M. Rica, supra note 13, at xiL Under the most common 12th-century procedure, the court did
89 (G.D.G. Hall ed. £ trans. I 965 J ( hereinafter GLANVILL ]; DIALOGUS DE SCACCAKIO (The Course of .
not decide facts but allocated the ’‘proof to one of the panics. 2 F. POLLOCK &. F.W MAITLAND,
1

.
the Exchequer ) 100 (C Johnson trans, 1950). Moreover, if the creditor had executed a mortgage, an . -
supra note 3 at 602 03. The selected party could prove his case by battle, ordeal or compurgation . Id.
pal of lhe debt with the income from the land, he violated the condemnation of the Council of Tours -.
instrument that secured the debt by possession of the debtor’s land, and later failed to credit the princi al 602. In compurgation, the party swore an oath that he was innocent and produced a fixed number of
- . .
compurgators, or “oath helpera," who swore that his oath was true T F.T. PLUCKNETT A CONOSE .
DIALOOUS DE SCACCARJO, supra, at 100 n. l. After the creditor’s death the debtor might get bis land HISTORY OF THE COMMON LAW 109 (2d ed 1936). .
.
back from the King, but he would then owe the Crown the amount of the - principal In practice, the . . . .
7 H . Charter of King John, svpra note 75 para, 2 But see l F POLLOCK BL F.W MAITLAND, supra
King forgave part of this amount, presumably reducing it by the sum of the debtor’s usurious overpay
ments. Id at 100.
- note 3, at 473 (Jew might have case beard by jury, half of whom were Jews).
79. Charter of King John, supra note 75, para. 1; J .M. Rioo, supra note 13, at xii.
Ui .
.
69. O.M TREVELYAN, supra note X at 250 251 - .
70 These charters axe known only by refercooe in other sources. J. JACOBS, JEWS OF ANOCVTN
80. Charter of King John, svpra note 75, pari. 8; 1 W. HOLDSWORTN, HISTORY of ENGLISH LAW 46
(5th ed. 1931).
ON -
ENGLAND 137 38 ( 1893). 81. Charter of King John, supra note 75, pan. 12. In his famous dispute with Henry II, Thomas A
VI
 1188 THE GEORGETOWN LAW JOURNAL [Vo\. 71:1179 1983] THE SHETAR IN ENOUSH LAW 1189
ON
& j the least vassal to the King. The underlying reality was that the Jews were no writs reflect the precise boundaries of the then recognized forms of action.89
more than the embodiment of the King’s accounts receivable.
ject to periodic tallage and tithing when the King required them to turn over-
Jews were sub
Among the writs developed during this formative period was the writ of
money that was held* ultimately, on his behalf.*1 The King preserved the Jews debt.90 Initially, litigants most commonly used the writ to collect loans of
and their investments as representing his own financial future . money.91 Because the Jews were the predominant moneylenders,91 they would
The royal charters, in effect, permitted the Jews usufruct of money83 much have been the predominant users of the early writ. But the Jews were not
merely the unintended beneficiaries of a fortuitous royal innovation. Taken
as their Christian neighbors were permitted use of the land At the King’s
pleasure, they ould derive a livelihood by lending money at interest. Because
. together, the coincident circumstances of the Jews’ relation to the King, the
^
Jews could lend'money at interest, they were available to finance excursions to then unique form of relief afforded them by their shetars, and certain peculiar -
continental Europe and on Crusade.84 In addition to the extraordinary fiscal ities in the wording of the early writs all suggest that the Jews contributed in
demands of the Crusades, the nobles still owed knight service. Taxpaying be heretofore unexplained ways to the development of the early writ of debt.
-
gan to replace personal service in the practice of “scutage” money assessed
from landowners in lieu of knight fees.83 For this too, the Jews’ assets were
liquid, and available for . a fee .
— In accord with their traditional practice, when the Jews lent money, they did
so under written credit agreements documented in the traditional form of the
shetars.93 Because of his relation to the Jews, the King had manifold interests
It was convenient to the realm to have a source of credit It was further in enforcing these shetars. And, because "what the Jews held, they held for the
. King,1194 what the Jews lost through litigation or to an evasive debtor was lost
convenient that the profits from the loan arrangements, forbidden to Chris
tians, be available to the King via his Jews. And it was to the King’s advan -
- lo the King. Nor were these losses small: the Jews accumulated immense
tage to enforce the contracts of credit made by the Jews. wealth through their moneyiending and the King’s Exchequer relied heavily
on the Jews as an important source of tax revenues.95 And the King had an
even more immediate stake in the revenues from court costs. When the debtor
III. THE JEWISH PRESENCE IN THE DEVELOPING LAW OF COMMERCE refused to pay, the King enforced the Jewish contracts through his royal court,
. IN THE KING’S COURT
- -
at a cost of one tenth to one sixth of the sum at issue.96 Yet, despite the royal
A interest, the questions posed by litigation of the shetar were not questions that
The most striking development in English law during the twelfth century English practice was designed to solve.
was the expansion of the royal courts. Under Henry II, the King’s When a Jew sought to enforce a shetar, he asked alternative forms of relief:
sumed an increasing share of litigation that previously had been heard
court as
only by
- payment of the money owed or award of the land and chattels securing the
local courts.86 This was done through the issuance of royal writs, originally debt.97 But this request apparently was an aberration from English practice of
executory commands lo the sheriff, but, with time, increasingly representing a the early twelfth century.98 A Jew’s request tracked the terms of his unique
formal summons initiating action in the royal courts 87 GlanvilTs treatise, contract: only a Jewish creditor of a defaulting debtor would be forced to seek
.
ten at the close of the reign of Henry II;M is in part a form book of writs
writ - either money or security, because only his alien procedure left the debtor in
instructing the proper method of litigation and procedure. The categories of possession of the land pledged to secure the debt. "
Bccket pointed to the Jews' internal juridical independence as an argument for a -.
89. See GLANVU.L, supra note 68, Rook X, ch. 7, it 122 ( writ of gage ); id Book XII, chs. 3 5 at ISO-
clergy. 4 S. BARON, supra nole 3 AL 277. separate autonomous 51 (writs of mort d' ancestor).
. .
90. R.C VAN CA6 NEG£ M, supra note 86, At 254 56. -
.
82. 10 S BARON, supra note 3, at 96-99. The Sal ad in Tithe of tl 88 lo finance
» the Third Crusade, 91. 2 F. POLLOCK A F. W. MAITLAND, supra note 3, at 207.
demanded Lb at Lhe Jews turn over 60.000 pound , one-fourth of the value of their entire
counify, 4 S. BARON, supra note 3, at 81.
* properly in the . . . .
92 See l F POLLOCK A F W MAHLAND, supra note 3, at 473 (Jews had monopoly in lending
money at interest ).
83. The King forbore from hi absolute rights in the Jews' possessions,
*
ment to accrue profit for his later use. G.M. TREVELYAN, supra note 2, at
. *
84. E. JeNKS supra note 12, at 40.
permitting continued invest
251 . - 93. Set generally M.D. DAVIS, supra note 42 (reproducing portions of credit agreements between
English debtors and Jewish creditors); STARRS A CHARTERS, supra note 42 (reproducing Hebrew and
Latin portions of credit agreement* between English debtors and Jewish creditors).
.
85. 1 F POLLOCK A F.W, MAITLANO. supra note 3, at 271 74. - 94. Sr* supra text accompanying note 65 (quoting Bracton ).
. .
86 R.C. VAN CAENEOEM ROYAL WRITS IN ENOLAND FROM THE CONQUEST TO
( 1959). .
• -
GLANVILL 349 51
Henry It, Richard 1, and John ).
-
95. See H.G. RICHARDSON, supra note 11, at 161 75 (discussing heavy taxation of Jews under Kings

- .
87. Id. al 195 97.
88. Glanvill'* treatise is believed lo have been written between November 29, 1187 and July ,
GLANVILL supra note 68. at xxx juuti. The mao whose name the treatise bears RanuIf Glanvill, 189
- .
appointed Henry U s chief justiciar in 1180. I F. POLLOCK A F.W MATO.AHD, supra note 3 , at was
6 ! . during JOth year of John 's reign, one seventh )
-
97. See supra text accompanying notes 36 37 (describing creditor1!remedies under shetar).
-
_
96. See 10 S BARON, supra note 3, at 94 (court fee during King John’s reign one tenth of debt ); R.C.
VAN CAENCOAM, supra note 86, at 258 (court fees at end of Henry II’s reign average one sixth of debt;
- . •"
'
.
After Henry's death in 1189, Glanvill accompanied the new King, Richard 1, on Crusade and 163 . 98. The explicit categorization of actions as real or personal did not arise in English law until
,

. .
Acre in 1190 Id The authorship of the treatise is unknown but bu been died in
attributed to at least three . .
Bracton’s time See William*, The Terms Rea/ and Personal in English Law* 4 L.Q R. 394 398 400
.
.
(1888) ( Br &cton classifies actions; Olanvill docs not). See also 2 H DC BRACTON, DF- .LHOIBUS FT
-
.
men: Glanvill; Hubert Walter, who became chief justiciar in 1193; and Geoffrey fit Peter, the sheriff
.
. - .
of Northampton GLANVILL, supra note 68 , al wju uxiii It ts equally Likely that the
of an unknown clerk of the King’* court Id it xxxiii.
*
book is the work
action*).
- -.
CONSUETUDINIBUS ANOUAE 290 91 (G E Woodbine ed. A S.R, Thome trmns. 1968) ( first division of
. .
99. See 2 F POLLOCK A F W. MAJTLANDI supra note 3, at 123 (Jewish creditor frequently not in
 1983} Tm SHeTAR IN ENGLISH LAW 1191
1190 THE GEORGETOWN LAW JOURNAL [VQI 71:1179

was not generally adopted until 1832,109 a Jewish creditor s avenues of en -

’
It appears likely that, at that lime, a Christian litigant asked for only a single
remedy, cither a thing or money , A Christian creditor took and kept posses - forcement remained unique in medieval England, enabling him to pursue his
sion of the land until the debt was satisfied.100 In case of default, therefore, his claim to judgment even though the defendant did not appear to answer the
suit would be for money only.101 If the debtor wrongfully put him out of pos - writ.
session of the land securing the debt, English practice barred the Christian The Jews asked for a remedy that the English system was unaccustomed to
creditor from bringing an assize of novel disseisin to recover the land: the Eng - offering. This challenge was met by the King, who himself commanded en
a
-
lish system relegated him to a suit only for the underlying debt.102 Conversely, forcement of the terms of the shetar. The King first manifested his interest in
the debtor regained the possessory rights to his property once the underlying command to pay in the form of a writ praecipe # which if disregarded con
110 , -
debt was satisfied. If the creditor refused to return the security, the debtor's ferred jurisdiction on the King’s court.111 By the shetar’s terms, the debtor had
suit would be limited to return of the pledged property.103 A Jewish creditor the choice of paying the debt or relinquishing the property which secured the
was apparently the only person in the realm who would seek execution on a obligation. To enforce this choice, the King’s command would have had to
reflect the divergent remedies: mon£y or property .112 Eventually , this form of
significant personal obligation by either transfer of a thing or payment of a 113
sum. writ praecipe evolved into the writ of debt.
A Jewish creditor's ability to ask two forms of relief gave him more than the The King’s intervention on behalf of his Jewish moneylenders may explain
obvious advantage over a Christian creditor. Important procedural privileges and in turn have produced some anomalous terminology in the early develop-
inhered in the option of getting real relief for a personal obligation. The con - .
ment of the writ of debt The wording of the writ evidences the intrusion of
land interests into personal litigation. In the writ, as exemplified in Glanvill
,
ventional litigant , suing on a personal obligation and seeking only money,
could not get judgment if the defendant did not appear in court. 104 In contrast, ]
the King ordered the Sheriff to "lo rdcr N . to give back justly and without
any litigant seeking an award of land would be awarded judgment if the de- .
delay to R. a hundred marks which he owes . . and of which . . . he deforces
fendant had been absent, without excuse, after three successive summonses.103 him unjustly.” 114 Professor van Caenegem observes that this wording closely
After the defendant’s third unexcused absence, the land was “seized into the
King's hand” for fifteen days and then adjudged to the plaintiff 106 Conse- .
109. Id. at 595 , „ .
qucntly, only a litigant demanding land was assured complete relief regardless
,

.
.
.
110. See R.C VAN CAENEOHM supra note 86 it 254 ( writpraecipe for money originated King to his
was a summary order from the
in Henry I s

of a defendant 's attempts to evade the court's power Other litigants could . with commands to Jews debtors to pay) The
' writproedpe
sheriff to command someone to do something ( here, to pay money owed ) prior
to judicial determina -
gain access to defendants’ property only through successful attempts to secure - .
tion of the rights of the parties. Id at 234 35 From a purely executive order, the writ developed into a
.
form which initiated judicial process in the King s court Id Set generally -
id at 234 35 (discussing
defendants’ presence through distraint of chattels and lands.107 This disparate
’

develo3pment of writs praecipe ).

justice dissatisfied Bracton , who proposed that the courts grant relief to claim- Evidertce of the issuance of these writ!is id the Pipe Roll for the 31st year of
the reign f Henry l
° accounts
ants of personal obligations who were faced with a defaulting defendant by the - . ,
(1 no 31 ) The pipe Rolls were the annual balance sheets of the Exchequer recording
the
, supra note 70. at
rendered by those responsible for royal revenues, principally the sheriffs. J. JACOBS
distraint and award of the defendant’s property.108 But because this solution
303 04. Because a Jew had to pay the King for the privilege of a writpraecipe a
*

.
. record of the transac
-31 are the following:
-
tion was entered on the Pipe Rolls Among the entries involving Jews for 1130
.
possession of land securing debt ); 1 F. POLLOCK A F.W. MAITLJVND, supra note 3 at 469 (Jewish credit
arrangement novel and alien institution lo English because Jewish creditor did not lake possession of
Rubi Gotscc and other Jews to whom carl Ranulf was indebted . , owe 10 Marks of gold for that
the king might help them to recover their debts against the earlgold that they might recover
land securing debt ). Abraham and DeusJcsait, lews, render account of one mark of
.
100. GLANVILL, supra note 68, Book X ch. 8, at 122*24; 2 F. POLLOCX A F.W. MAITLAND, supra their debts against Osbert dc Leicester .
note 3, at 120.
-
Id at 14 15 (translated from the abbreviated Latin in which the Pipe Rolls
were written ). Twelfth -
101. See GLANVILL, supra note 68. Book X, ch. 7, at 122 (writ for summoning debtor to redeem .
century Pipe Rolls also survive for the years 1155 to 1200. Id at 305 Joseph
Jacobs has collected and
translated many of the entries involving Jews in these Pipe Rolls. See generally
td at 44 221 (inter -
S® 6').
. . . - .
102 Id Book X ch. II , at 126; see 2 F POLLOCK A F. W. MAH LAND, supra note 3 at 121 (“the spersing select entries from Pipe Rolls from 1155 to 1206) .
creditor is really entitled to . . . the debt, not the land. If he comes into court he must come to ask 111. Id at 234, . . . .. .
judgment for that to which he is tatitied”) . . -
112 QT H.O. RiCHAnpsON ,.»jw’tf note U , at 112 13 (Pipe Rolls indicate
most actions in which Jews
The assize of novel disseisin was a possessory action for land. Through summary process in the were plaintiffs were for recovery of money lent or mortgaged land ).
King's court, a freeholder recently ousted from land could recover possession by showing prior occupa
.
tion without the formality of testing legal title. See 2 F POLLOCK & F.W. MAITLAND, supra note 3 a| .- 113. R.C VAN CAENEOEM, supra note 86, at 254.
. -
1 J 4, GLANVILL, supra note 68 Book X, ch. 2, at 116 17 (emphasis added
.
). The wnt of debt in
-
47 52 (describing assize).
103. GLANVILL, JV/pra note 68, Book X, ch. 9, 10, at 125 ( writ for summoning creditor to restore gage,
Glanvill'* original Latin read:
marcas quas
and different replies of creditor in court ). Rex uicecomiti salutem. Precipe N- quod iuste el sine dilatione reddat R . centum
. sum one turn
.
104. 2 F. POLLOCK <fc F.W. MAITLAND, supra note 3 at 594; Williams, supra note 98, at 401 . d debcl ut dicit, cl unde qaenlur quod ipse ei initiate defordiL Et nisi fecerit
-
105 GLANVILL, supra note 68, Book l, ch. 7, at 5 6; 2 F POLLOCK A F.W. MAITLAND, supra note 3
. - . per bonos sumonitores quod sit cor am me uel iusticiis melt apud Westmonasterium
Psscha in quindecim dies, ostensuru* quart noa fecerit. Et habeas ibi summonilores
a clause
el hoc
-
.
-
at 592 93; Williams, supra note 98, at 400 01.
-.
106. GLANVILL supra note 68, Book 1, ch. 7 , at 5 6 This was the procedure under a writ of right for breue. Teste etc.
. . .
land See id Book 1 ch 6, at 5 (exemplar of writ initiating action ). The procedure for novel disseisin Id This translated in English:
W was Similar. Williams, supra note 98, at 401, .
The king to the sheriff greeting. Order N to give back justly snd without delay deforceto R. A
Ov 107. Williams, supra note 98, at 401. hundred marks which he owes him, JO he says, and of which he complains that he
!

Nj .
108. 2 F, POLLOCK A F W. MAITLAND, supra note 3, at 594 95. -
 1192 THE GEORGETOWN LAW JOURNAL (Vol . 71:1179 1983} THE SHETAR IN ENGLISH LAW 1193
a resembles that of the classic praecipe for land. M 3 Specifically, the writ of debt that withholding payment on a debt breached the King’s peace. Henry argues
adopted the words "unjustly deforces” (unde . . . ei iniuste de/ orc/af )116 from that the formalism was dropped once the action was well-established and
the
\htpraecipe J 17 To “deforce” is to wrongfully withhold possession of land from fiction no longer necessary, 113
one who is lawfully entitled to The impropriety of the transplanted termi - But the invocation of the King’s peace has another explanation , derived
nology, therefore, lies in the sense of the wrong conveyed by the words, “ un
justly deforces,” which calls for an immediate remedy for an egregious
- from the unique relationship between the King and his Jews. Because
Jews , and because
the
Jews
early actions at debt were principally on behalf of
interference with land tenure. But the underlying cnmplajpf wasjirffuiitjyi a claimed their rights in the King’s name, all obligations owed to them were
.
debt Thus the terms of the wrif appear to ask for inappropriate relief. Noting
'

- ultimately owed to him.124 Withholding a debt owed , even indirectly, to the

King is a breach of the King’s peace that requires no legal fiction. If the price
*The
apparent confusion, M9 van Caenegem indicates that Jews were the princi ’

pal beneficiaries of the early writ.120 of the writ was paid, the King’s courts were ready to stand behind a
Jewish
a
The “misuse ” of the words “unjustly deforces” in the early writs conveys creditor’s complaint in debt . To enforce the debt was to restore peace to
more than just the verbal conservatism of the early common law. Use of the small part of the realm.
term implies an underlying land obligation securing a certain sum, which Use of the term “ deforce" symbolizes the courts' interference with rights in
strongly suggests the existence of an arrangement like the Jewish shetar. Here, land. Used to imply “breach of the peace," it invokes the image of the King s
’
however, the King himself compelled payment in money or in land to be made wrath. The otherwise puzzling formalism signaled an institutional conflict : in
by the debtor found in breach of a private agreement. The term “ deforce," the courts of feudal England, land tenure had been distinct from personal
then, communicates the Jew’s ability to circumvent the procedural limitations
of personal actions.
rights in law. Jews were asking the courts to award land to compel
of properly to satisfy a personal obligation —
before final judgment
— .
transfer
115 Because

R . L. Henry has suggested , alternatively , that the writ used “ deforce" to con - the King was, in effect, the real party in interest , the interference with land
tenure was done with his consent and support. Lacking the . King’s hand
note a breach of the King's peace: as an empty incantation with the single , ihc
purpose of lending substance to a claim of the King's jurisdiction.121 The King action would have been impossible. Only the King 's interest in enforcing Jew -
did not customarily intervene in private disputes, 122 The purported fiction was could make possible this invasion of land beyond the
ish creditors remedies
'
limits of relief in personal actions.
.
him unjustly And if he does not do it, summon him by good summoners that he be before me -
The traditional Jewish procedure governing lien accompanied debt
lacked the
was an
terminol -
or my justices at Westminster a fortnight after the octave of Easter to show why he has not
. .
innovation in feudal society The embryonic legal system
done it. And have there with you the summonen and this writ. Witness: N. At M
ogy to describe a private judicial proceeding for money that jeopardized pos -
.
R.C. VAN CAENEOEM supra cole 86, at 437.
session of land. From this came the hybrid use of the term deforce .
. . .
M 5. R C. VAN CAENECEM, supra note 86, at 254; see aha 2 F. POLLOCK 4 F W MAITLAND, supra
note 3, at 173 ( writ of debt as given by GlanviU closely similar to writ of right for land known as the “ Deforce" disappeared from the King’s court shortly after the time
of
litigation had been removed
Praecipe in capire ).
M 6. Approximately: “of which ( be} unjustly deforces him/’ See supra note 114 for complete text of
GlanviU, 12* approximately the time when Jewish
courts, the
to the newly established Exchequer of the Jews. In the seignorial
127
writ.
118 one year after the expulsion of the Jews from
^ ^^ VAN Afi EOEM * ** n<At
^ ^ * * * . .
2 F POLLOCK 4 F W. MAITLAND, supra note 3 at . term fell into disuse by 1291 ,
its
204
118. See D. WALKER, supra note 17, at 347 (defining deforcement ) . England. Though this may be adventitious, the decline of the phrase and .
underlying Royal obligation coincides with the decline of the Jews in England
M 9. See R..C. VAN CAENEOEM, supra note 86, at 254 ( “unjustly deforces” was “inappropriate in a
.
personal action for debt, although appropriate enough in a real action for tenure ”) Others have also When the King’s Jew was no longer the creditor, default on a debt no longer
. ..
noted the peculiar wording of the writ Set R L HENRY, CONTRACTS IN THE LOCAL COURTS OF MEDI - implicated the interest of the Royal treasury.
EVAL ENGLAND 15 ( 1926) ( <(aJ person who does not pay his debt may be said lo detain something
4

.
which does not belong to him, but he can hardly be said to ‘dcforce "); 2 F POLLOCK 4 F. W .
-
MAITLAND, supra note 3, at 204 05 ( noting peculiarity and explaining it: ’The bold crudity of archaic
thought equates the repayment of an equivalent sura of money to the restitution of specific land or
B. THE EXCHEQUER OF THE JEWS
. .
goods”); A W B. SIMFSON, A. HISTORY OF THE COMMON LAW OP CONTRACT, THE RISE OF THE ACTION
At no time during their two-century presence in England were the Jews per-
-
OF ASSUMPSIT 55 56 (1975) (noting peculiarity and concluding: 'The use of the word defbreiat may
look slightly curious in a debt wriL but again its use in ail probability is not significant ”). ceived as more than a necessary evil: a source of capital. The Jews, welcomed
.
120. R .C. VAN CAENEOEM, mpr<r note 86 at 437 .
. .
121 ILL HENRY, supra note M 9, at 16, Henry first notes the anomaly posed by the format declara -
.
tion in debt litigation in the seignorial courts There, the pJaintilTs claim that -the defendant “detains itself with them, iod is therefore not bound to pronounce upon the rights or privileges
of Lhe several
and deforces” the amount of the debt sometimes was supplemented by ‘'against the peace of the lord.” or subsequent creditors” ).
prior
.
Id at 15. Henry theorizes that the local formula mimicked (hose used in the King’s court, because the
local lords, like the King, wanted u> usurp the traditional jurisdiction of ( he hundred and county courts
.
122. Set GLANVTLL, supra note 68. Book X ch 8, at 124 (“[ijt is not the custom for the court of ( he
. .
123 R.L. HENRY, supra note U 9 at 16.
. — . for King),
124 Set supra text accompanying notes 64 65 (Jews held property ultimately which
. -
125 See H.G. RICHARDSON, supra note U, at 84 98 (explaining method by
been awarded land liquidated their interest In it).
, 173.
Jews who had

• 126. 2 F. POLLOCK 4 F.W. MAITLAND, supra note 3 at

lord king to protect or warrant private agreements of this kind concerning the giving or receiving of
things as a gage, or other such agreements, whether made out of court or in courts other than that of the Jews).
127. Je* infra notes 12948 and accompanying text (discussing Exchequer of the
lord king; it follows that, if such agreements are not kept, the court of the lord king will not concern 128. R.L. HENRY, supra note 119, at 15 .
 THE GEORGETOWN LAW JOURNAL .
( Vol 71:1179 1983] THE SHETAR IN ENGLISH LAW l f 95

as moneylenders, were despised as creditors. So long as the King enforced the ing the acquittance to the Archa, for which he obtained the pcs , which
Jews' debt instruments, the best way to avoid obligation was to attack: the Jew - cancelled the debt.139 No debt, acquittance, or assignment of debt was valid
of
ish community, destroying people and records. Sporadic incidents culminated unless filed in the Chirograph Chest, which could be opened only by order
in riots against the Jews during the Coronation of Richard I in U 89 and in the the Exchequer or in the presence of a majority of the Chirographers . 140

Massacre at York in 1190.129 Beseiged by the mob, hundreds of the York Jews The Kang’s Exchequer oversaw the King's accounts. A contemporary trea -
chose death over baptism. The warriors, joining religious hatred to their eco - tise described its organization and duties: the “Dialogue of the Exchequer.” ’
14

nomic motivation , were quick to destroy the deposits of shetars held within the Litigation of Jewish debt instruments comprised a substantial portion of the
Jewish community. At York, the riot was instigated by Richard Malebysse, a Exchequer's business, so much so that a separate branch was created to try
nobleman deeply indebted to the Jews. After 500 Jews died in the Citadel, Jewish causes.142 Beginning in 1198, “ Custodes J u d a e o m m o r “Wardens of
the Jews,” were appointed,143 subordinate to the Exchequer. The Custodes
Malebysse led the mob to the Cathedral, where they destroyed the debt 144
records, which had been held for safety in the Chapter House. When the Judaeorum were the first Justices of the Jews. They exercised exclusive juris-
smoke cleared, both creditor and debt had been eradicated.130 diction over all matters involving Jews and Christians, except those in which
Following his return from the Crusades and release from captivity, 131 Rich - the Jew was criminally accused.145 During the thirteenth century they were
charged with enforcing the shetars of the Jews. This special branch of the
146
ard I was displeased by the attacks on his Jewish moneylenders. Because ,

duplicates did not exist for many of the documents destroyed, the King was Exchequer could effectively ascertain the amounts due the King’s treasury via
- unable to collect debts that would otherwise have escheated to him He was
concerned with preserving a record of debts owed to ensure their payment . By - the King’s Jews.147
The Chirograph Chests preserved the bonds of debt and the deeds of acquit -
1200, this concern prompted the establishment of Archac ( Registry of Bonds) tance, and the Archac preserved the Chirograph Chests. * Many of the pleas
14

and of the Exchequer of the Jews.132 brought before the Exchequer of the Jews still survive , and a substantial body
Archac were established in all towns with sizeable Jewish populations. The of legal paper memorializes the interaction of the thirteenth -century British
registries consisted of Chirograph Chests and four Chirographers two Chris-
—
tians and two Jews and their clerks.133 The Chirograph procedures were
— legal system with the Jewish law of the shetar. Surviving records indicate that
the Exchequer of the Jews presided over matters arising from the full range of
strongly reminiscent of traditional Jewish practice.134 All bonds were to be interactions between Christians and Jews. The primary document offered to
formalized in the presence of the official witnesses, and immediately dupli - prove the transfer of interest in land and the establishment, transfer, or satis -
cated.135 The original and duplicate were usually written on the same skin and faction of a debt was the shetar.
were divided by an irregular cut, producing corresponding tallies.136 The
Archa retained the duplicate, which was called thepes or “foot ” of the bond, C. IN THE MATTERS OF COK HAG IN
while the creditor retained the original, with the debtor’s seal affixed.137 When
The records of the Exchequer reveal the tensions between several elements:
the debtor satisfied the debt, the creditor gave the debtor a deed of acquit - the King’s thinly disguised economic interest, the court’s struggle between for-
tance.138 The debtor could then prove satisfaction of the debt only by deliver - -
malism and alien law, inter religious suspicions, and everyday venality.
Within the pleas of the Exchequer of the Jews, the appearances of one recur -
J 29. J.M. RIGO, supra Dole 13, at xvii xvtii.
-
-
130. Id ; H. MAROOLIS A G. MARX, A HISTORY OF THE JEWISH PEOPLE 384 88 (1965 reprint). M.D.
Davis* collection of shetars includes one recording substantial debts owed by Richard Malebysse. (“out 139. J.M. RlOG, supra note 13, at xix.
140. I W. HOLDS WORTH, supra note 80, at 45. By 1240, the system had changed : the sealed
, bond
of the great debt which he owes . to my master Aimo, and for which I gave him this willing.’*) In the was kept in the Archa, and copies were given to both the creditor and the debtor. I STARRS AND
Hebrew versions of the documents, his name is translated into the Hebrew for "evil beast" ( khayah ra - CHARTERS, supra note 42, at xv.
. .
ah ), Use literal translation of the Norman surname M.D. DAVTS, supra note 42, at 288 This translation 141. DIALOG us oe SCACCARIO. supra note 68. The unknown author of the 12lh eentup' ( the court
ca. I t /o )
.
was a playful though prophetic, pun by the creditor The Hebrew phrase is used in the Book of Gene - “dialogue" describes ( he exchequer board, a table covered with a checkered cloth, from which
sis by Jacob’s sons to describe the animal they falsely claim has devoured their brother Joseph. Genesis off into squares to
.
37:33 This bibUcal passage would have been read in synagogues the same week this shetar was written. derived its name. - The members of the court sal around an oblong' table, ruled owed lo
facilitate a system of accounting (described In detail in the “Dialogus ) used to determine debts
.
M.D DAVIS, supra note 42, at 288. .
the King. Id. at xxxv xxxix, 6-7; see oho I F. POLLOCK & F.W MAITLAND, supra note 3.
- -
at 191 92
131. The government assessed the Jews 5,000 marks of the 100,000 mark ransom for the release of (describing Exchequer as compound institution: judicial tribunal and financial bureau ).
.
--
Richard L A S. BARON, supra note 3 at 81 82. 142. J .M. Rioo. supra note 13, at xx.
132. J.M. Rioo, supra note 13, at xviii xix; 1 W. HOLDSWORTH, supra note 80, at 4506.
133. J.M. Rido, supra note 13, at xviii-Xix. Chirograph, literally "handwriting,*’ was the term used
143. Id Of the original four ^wardens,” Simon de PateshuU, Henry de Wichenlon Benedict . de
Talerount. and Joseph Aaron, the latter two were Jews. Id
for the written documents.
134. Set supra notes 34*40 and accompanying text (describing documentary procedure of shetar) . judgments of the Custodes Judaeorum. Id
- .
144. 1 W. HOLDSWORTH, supra note «0, at 45 46 The Barons of the Exchequer could annul
the

135. J.M. Rioo, supra note 13, jt xix. 145 See id at 46 (cases in which Jews accused of crimes found among Crown Pleas).
.
136. Set generally STARRS AND CHARTERS, supra note 42 (photographic plates of bonds, showing
irregular CUl). the Jews from 1220 to 1285).
-
146. Set gtneralb J.M. Rioo, supra note 13, at 3 134 (a collection of pleas before the Exchequer
.
of

. .
137. J M. 9AOG* supra note 13 at xix.
138. Id The acquittance frequently was written on the back of the original bond of debt. I STARRS
•

147. Set id. at xx (King could order scrutiny of Archae to determine financial position of Jews: when
done, Archae closed under triple lock and seal and all business suspended ).

SO
AND CHARTERS, supra note 42, at xiv xv- . 148. Id at xix.
1196 THE GEORGETOWN LAW JOURNAL 1983] THE SHETAR IN ENGLISH LAW l J 97
JVoL 71:1179
.
rent litigant, Cok Hagin,149 sometime Chief Rabbi *50 serve as an exemplar of ditioncd this gift to Eleanor upon her making good to the King, before
Christmas, “the arrears of the last tallage assessed upon him, the Jew.” 156
the cultural contact between Jew and Christian. Cok’s changing fortunes illus
trate not only the limits of the Jews personal freedom in English society, but
1
- By 1282, in the tenth year of Edward's reign, Cok was again doing busi-
also the extensive reliance on Jewish legal practice in the King's court. . ness.159 In that term , Cok summoned Roger de Ling to answer for the princi-
Cok’s first appearance was in 1272, when ( he Queen, through her clerk, pal and interest owed on a debt represented by one Chirograph, sworn to be
duplicated in the London Chirograph Chest.160 In the same year, Cok’s real
claimed from him 100 pounds “ in ready money,” Instead of paying immedi
ately, Cok acknowledged debts to the Crown amounting to 100 pounds, but
- estate deals apparently proliferated.- In return for a fee interest in a plot of
not in ready money, and asked that the King’s Council render judgment. To land and a house in London , he exchanged a nine year term on a farm in -
Essex in which he had a liveried interest.161 The farm had been obtained “on
support the Queen 's claim, the Queen’s agent appealed to the King’s Council,
the Queen’s Council , and the eyewitnesses to the making of the agreement. account of divers debts'* of the former owner, a knight.162 The prior agree-
Cok agreed to pay the debt in two installments and named four Jews as sure- ment, transferring the farm , was duly enrolled at the Exchequer. For his new
ties. If he defaulted, they, equally with him , would be subject to distraint of property, Cok Ha gin agreed to pay yearly, at Easter, “one gillyflower” to the
their lands, debts owing, chattels, and their bodies. 151 former tenant and also to render “ to the capital lords of the fee the services due
In 1273, Cok appeared with several others to pay a partial sum to delay the and wonted therefor, in discharge of all secular services, customs, and all
tallage assessed in the Easter Term of the first year of Edward V s reign. They things exacted and demanded .’* 163 The two charters, granting respectively the
asked respite for the greater part owed, and agreed on a penally that each properties to their new owners , contain the warranties, witness attestations,
would owe in default.152 Later that year, the court noted that the appointed seals, and signatures required by the law of the shetar The court received .
date had passed without payment of taUage or penalty. The penalty was as - .
these elements as proof of the agreements validity The court also recorded
sessed and paid.153 that the Queen’s attorney was present Jo give her consent and acknowledge
ment to Cok Hagin’s document.164
-
-
One year later, Cok Hagin appeared as co surety to receive custody of Joce
Cok Hagin’s last appearance is as one of a group of the descendants of
—
Bundy, a Jew who was charged with lending “ money to Christians by blank
tallies,'1154 leaving blank the amount due until after the debtor had signed . 155
Additionally, Bundy was charged with having lived, for some time, in Ray -
leigh without the King’s license. For this offense all Bundy’s goods and chat -
Master Elias joining together to acknowledge, by their shetar, the acquittance
of an ancient debt to their father. As his heir they released the debtor “from
the creation to the end of the world.” “ By spontaneous and unanimous con -
tels were forfeit to the Crown. When Bundy failed to appear for his appointed sent,” they discharged the debt as fully paid,163
-
court date, the court found Cok Hagin and his co surety “ in mercy.” 136
In 1275, the King notified his Justices that he had granted all of Cok Hagin’s
The surviving records of the Exchequer of the Jews cover a limited period
(1220- 1284). Cok Hagin’s experience is representative insofar as it illustrates
possessions as gifts to his “ dearest Consort, Eleanor, Queen of England.” She personal and religious disputes, shetars of property transfer, debt registration
was to receive all of the Jew’s debts owing and all his goods and chattels.
These were forfeit because Cok Hagin was excommunicate for refusing to sub - abandoned the role of holding goods for the ultimate use of the King. See id at 61 (goods forfeited by
Jew living without King's license, outside Jewish community). The King would have been eager to
mit to trial “ according to the Law and Custom of the Jewry.” 157 Edward con - encourage enforcement of Jewish law, at least to the extent of seizing the goods of those
excommunicated.
. .
149 "Cok Hagin" is an English corruption of the Hebrew name Yitzhak Hayira. C ROTH, ESSAYS
. .
15$. J.M. Rtoo /ttpra note 13. at 87.
159 The Queen had enoouraged the King (o confirm Cok. HaguTs election as Chief Rabbi in 1281.
- .
AND PORTRAITS IN ANOLO JEWISK HISTORY 24 ( 1962); C ROTH, HISTORY OF THE JEWS IN ENOLANO
Id. at 119 a . l . His excommunication apparently had been temporary.
93-94 ( 1941 ).
. .
150. J M. RlOO, sunra note 13 at U 9 n. L 160. Id. at 117.
. -
- .
15 L Id at 67 68 Here, not only the principal, but also his sureties arc subject to real actions arising
out of a personal obligation.
161 Id. at 118 20. By a royal edict of 1271, Jews were forbidden to own land. See Mandatum Regis
Super Terris et Feodis Judacorum in Anglia. Anno Regnl Regis Hcnriri Quinquagcsimo Quin to (Man-
..
152 Id at 77.
153 Id at 77 . ..
. -
date of the King Touching Land and Fees of Jews in England The Fifly fiAh Year of the Reign of
King Henry) ( A D 1271} printed in J.M. Rioo, supra note 13, at Mv ( mandate of Henry III prohibiting
154. Id at 82. Jews to have "freehold in manors, lands, tenements, fees, rents or tenures of any kind whatsoever by
155. Id at 82 n. L -
charter, grant, feoffment, confirmation, or any kind of obligation, or in any other manner,* * but permit
156. . at 82-83. "In mercy" means subject to fine or punishment at the discretion of the court.
Id
.
BLACK'S LAW DICTIONARY 708 ( rev 5th ed , 1979) ,
-
157. Id at 87 88. The offense, apparently, is one "against bb Law," indicating that the Jew had
transgressed against Jewish doctrine rather than against a secular command. Id Other sources report
—
ting Jews to dwell in bouses in the city ). Despite this prohibition , the exchequer record dearly states
.
that Cok Hagin had taken the land "by livery * i.e , by livery of seisin* a form of land tenure denied
the Jews by the preceding edict Perhaps this was possible through some direct intervention of the
Queen or because he held in her name only .
that Cok Hagin was, at the time, on (he losing side of a power struggle within the Jewish Community. 162. J.M. RJOO, supra note 13, at 118.
. .
C. ROTH ESSAYS AND PORTRAITS IN ANOLO JEWISK HISTORY supra note 149, at 25.
-
In their own religious courts, Jews were subject to penalties oi excommunication for violation of
163. Id at 120. It ts doubtful that Cok here submitted to knight service, per se, but he likely assumed
all taxes (including scutage fees) assessed on the c roperty. Cf. id at xaii (Jew could not swear homage
Jewish law. Religious courts operated independently of the Crown , whose control began only when the or fealty, which were necessary duties of freeholder in feudal system ) .
defendant was ejected from the protection of his community and formal social position. The excommu
nicate Jew or the Jew who converted forfeited his goods to the King. See J.M. Rtoo, jvprv note 13, at - -
164. J.M. Rioo, supra note 13, at 118 20. Cok Hagin was apparently the Queen's chattel. She, not
the King, would have power to affirm or deny hi* actions.
- -
87 88, 96 (excommunicated Jew); id at 99 100 (converted Jew). On leaving his community, a Jew 165 . Td at 133-34.
 [VoL 71:1179 THE SHETAK m ENOLKH LAW M 99
1198 THE GEORGETOWN LAW JOURNAL '
1983]

and acquittance, and a royal conveyance whereby his goods and, arguably, he relief before judgment limited by the debtor’s absence. If the Christian credi-
himself were granted to the Queen. The Exchequer enforced the law “accord- tor presented to the Mayor a matured, acknowledged debt instrument corre-
sponding to an enrolled debt , he had established full right to relief. If the
172
ing to the customs of the Jewry” for nearly a century until the expulsion in ’
1290* Over time, the alien ways of the Jews had become the subject of every- debtor did not pay, the creditor eventually obtained access to the debtor s
day litigation in the King’s courts. lands, 173 even as the Jews had done for years. And if the creditor were ejected
from the debtor’s lands, he could bring an assize of novel disseisin to be pul
IV. CONCLUSION: THE EXODUS AND WHAT THE JEWS LEFT BEHIND back in possession. 174 The Statute of Merchants expressly allowed merchants
“damages , and all necessary and reasonable costs in their labors, suits, delays,
Ruling during an era of socio-economic change and expenses,” 175 the same label that disguised otherwise usurious interest in
( 1272- 1307), Edward was wont to legislate accord- Jewish contracts. 176 Finally, the King assumed the duty of maintaining the
ingly. And Edward was weary of the Jews. 166 Thus he Roil of Debts, affixing his seal next to the debtor’s and charging one penny for
issued laws forbidding the Jews from holding real 177 The new law expressly excluded Jews. 1711
each pound of obligation .
property, denying them usurious practice, and order- Five years after the Statute of Merchants, Edward 1 expelled ( he Jews from
ing them to wear distinctive dress and identifying England. Religious hostility was rife. Repeated ’tallages 179 had depleted the
badges. 167 Jews’ resources and lessened their value to the King purse No longer were
s .
Even as he restricted Jewish moneylenders, Edward the Jews the unique source of credit in England . 180 By the Statute of
expanded the universe of non-Jewish moneylending. Merchants, Edward had granted to all non- Jewish creditors the same remedies
He had before him a model of secured debt contracts, and procedural rights previously available to Jews. Debts were secured by
Interdicta est iudeis
Uremia ujurandi - enforced for centuries by the royal courts for the royal land, and the security interest survived the death of the creditor and the aliena -
iUujuaiion of Jew wearing usurers. la the Statute of Merchants of 1285 , i 6 a Ed -
tion of the property .
181
t 275 SMIOU bidding ward c*tendcd t 0 creditors the forms of registry , rem- In addition to the property that escheated to the King on their departure,
^of usury, edy, and
Jews ihe practice enforcement that had previously been the the Jews left behind a law of debtors and creditors developed in the Talmud ,
( MS British Museum ) substance of the Exchequer of the Jews. 169 Under the
Statute, a debtor acknowledged the existence of his debt before the Mayor and
one of the recording clerks. The clerks recorded the debt in two rolls , one to .
permitted to elect his remedy Pollock and Maitland trace the writ of clcgit (election of remedies) to the
adoption by the Second Statutes of Westminster, 1285, 13 Edw., StaL I, ch. 18, of
the remedy formerly
remain with the Mayor, one with the clerks. In his own recognizable hand- available only to Jewish creditors. I F. Poixocx A F.W. MAITLAND .
, supra note 3 at 475. The election

was between a writ offierifacias and transfer of the debtor s ptoperty to the creditor. Second
Statutes
writing, the clerk prepared a debt instrument, to which the debtor affixed his '

seal and the officials affixed the King’s seal. This instrument was given to the .
of Westminster, 1285, 13 Edw , Star 1, ch 18. . m debt could be
The Statutes of Westminster introduced another innovation: where before, judgment .
creditor, who would present it to the Mayor and the clerks to prove his rights if executed only from the debtor 's chattels and the fruits
,
of his lands .
A . W. B. SIMPSON, supra note 119 at
from
87, now only one half ofthe debtor's land and his Oxen and Beasts of the Plough were immune
"
the debtor defaulted . 170 4

.
More than the enrollment procedures paralleled the structures of the Ex- execution Second Statutes of Westminster, 1285, 13 Edw„ StaL ch. 18
. , at 127-
. .
172. Statute of Merchants, 1285, 13 Edw„ SUL 3 See also A.W.B SIMPSON, supra note 119
chequer of the Jews. The remedies also extended to Christian creditors the 28 (describing creditor's procedure for relief under Sututc of Merchants') . instru-
relief formerly available only to Jews, 171 No longer was a Christian creditor’s 173. See Statute of Merchants, 1283, 13 Bdw„ Slat. 3 (upon creditor s presentation of debt
, he is enabled to
ment to Mayor, debtor arrested and imprisoned; if he has not paid within three months , a reasonable
sell his lands or chattels to satisfy the debt; If he still has not paid in another three months ultimate repay-
166. Set T. Tour, EDWARD THE FIRST 161 (1909) ("Edward disliked the Jews both on religious and portion of his lands and chattels are delivered to the creditor to hold as security against
economical grounds"). .
ment or until the debt is satisfied out of their proceeds) See also AW.8. SIMPSON
, supra note 119, at
. -.
167. Id at 160 62 Edward was following Henry Ill's precedent, issuing special restrictions Tor Jews . 127 -28 (same).
. -
See J.M Rioo, supra note 13 at xlviii lxi ( provisions of Henry HI and Edward I ). Additionally, Ed -
ward’s SUtutes of Jewry of \ 215 , see supra note 28 (dating statute ), denied legal process for the recovery
174 Sututc of Merchants, 1285, 13 Edw., Sttt Xefi text accompanying note 102 (same remedy
.
been denied ejected creditor who bad held by gage) .
had

supra
of interest and limited execution on the principal due to one- ha If of the debtor's land and chattels. J.M. .
175 Statute of Merchants, 1285, 13 Edw„ SUL 3 (translation from 1 STATUTES OF THE REALM
,

.
RiOO jjy/a, »1 xxxviii. English practice no longer required Jewish jurors in cases involving Christians
and Jews. Articles Touching the Jewry (undated statute of Edward I, which internal evidence indicates
note 28, at 100 n.a)»
-
176. See J.M. RIGO, supra note 13, al xxxviii xxxix (although Statutes of Jewry prohibited
their
concealed charges as expenses of recovery or penalties for
was issued after VIM ) printed in J.M. Rioa, supra , at Ijv, xli. usurious practices Jewish
, creditors interest
. .
168. Statute of Merchants, 1285, 13 Edw , StaL 3 The Statute of Acton Burnd, 1283, II Edw., which defaults on installments ).
. . - per
was enacted two years before the Statute of Merchants, had been intended to establish a speedy remedy 177. Sututc of Merchants, 1285, 13 Edw , Slat 3 At fain, th6 oost was one and one half pennies
.
for merchant creditors Because the sheriffs had failed to apply the statute correctly, ihe Statute of pound. Id.
- .
Merchants of 1285 re enacted and expanded its provisions. I A W. RBNTOK, ENCYCLOPAEDIA OF THE 178. Id.
LAWS OP ENGLAND 116 ( 1897).
169. Statute of Merchants, 1285, 13 Edw., StaL 3 .
179. Set 10 S BARON, supra note 3, at 109 (in 1271, the Jew* were unable to raise a 6.000
.
Ullage imposed for Prince Edward's Crusade) . _
Italian and Cahorsio
mark

170. Id. .
180. Id at 109-13 As Jewish revenues dropped, Edward borrowed from
-
I 7|, See supra text arcompanying notes 97 109 (comparing remedy available to Jewish creditor
under shetar with remedy available to Christian creditor under early common law ). In the same year
. .
merchants Id at 113 . .
181. Id. at 114. Edward allowed the Jew* to take their movable property T. TOUT supra
, ^,
note 366
that the Statute of Merchants was enacted, a Christian creditor, for the first time in English law, was at 162.
W 1200 THE GEORGETOWN LAW JOURNAL fVol. 71:1179
*4
introduced in the Exchequer, and preserved in the laws of England. Traces of
the shctar procedure survived for centuries in English law, A scaled debt con
tinued to be dischargeable only by a deed of release dr by cancellation or de
-
-
struction of the debt instrument.182 The practice of debt cancellation by
requiring return of the pes of the chirograph continued from 1194 until its
abolition by statute in 1833.183
Most important, the encumbrance of real property permitted by the Jewish
Law of the shetar had been adopted by English law. Bonds contained the
traditional Hebrew formula pledging “all my goods , movable and immova -
ble/ ’ 184 Creditors had the statutory right to execute against the debtor's land.
No longer were personal obligations and rights in land rigidly separate. Even
while Edward was divesting himself of his Jewish moneylenders, he made their
legacy permanent. A small but significant principle of Jewish Law, wherein
personal debt superseded rights in real property, had become the law of the
land.

Judith A. Shapiro

.
182. A. KIRALFY THE ENGLISH LEGAL SYSTEM 53 6ih ed. 197B); CHJ5. FIFOOT, HISTORY ANE>
<
-
SOURCES OF THE COMMON LAW 231 33 ( reprint 1970).
183. F. LINCOLN , supra note 13, ii 13608. Sat supra teat Accompanying notes 137 39 (describing
-
documentary procedure of Arche, under which pes WAS returned to debtor by Arch when debt w»
psid ). *
184. i. RAB NOWTTX, supra note 4 , A( 254-35. Some bonds further mimicked the sheur, extending
'
the lien lo ail goods “preseni and future.” Id
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Phone : (907) 269 8882
Website: www.state.de.us/corp/ucc .htm
Website: wwwdnr .state.ak us/ssd/ Email: sdocweb@state.de.us
Email: www.dnr.state. ak.us/pic/dnrdirectorv.htm

District of Columbia
Arizona Central Filing Office: Real Bstate Filings:
Secretary of State, UCC Department Mayors Office Recorder of Deeds
Capitol West Wing, 7ttl Floor 515 "D" Street Northwest
1700 West Washington Avenue Washington, DC 20001
Phoenix , AZ 85007 Phone: ( 202) 727- 5374
Phone: (602) 542-6185 Website: None as of this printing.
Website: www.sosaz.com/business services/ucc . htm Email: None as of this printing.
Email: ucc@mail.sosaz.com
Honda
Arkansas Department of State Department of State
Secretary of State, UCC Division Bureau of Commercial Recordings Bureau of Comm. Recordings
State Capitol, Room 025 UCC Filings UCC Filings
Little Rock, AR 72207 P.O. Box 5588 409 East Gaines Street
Phone: (501) 682-5078; (888) 733-0325 Tallahassee, FL 32314 Tallahassee , FL 32399
Website: www.sosweb. state.ar.us/business.html Phone : (850) 222-8526
Email: business® sosmaii. state.ar. us Webstte: www.dos.state.fi.us/doc/fawucc.html
Email: corphelo@mait dos.state.fl.us

California Georgia
Secretary of State, UCC Division Secretary of State, UCC Division No filings at Secretary of State; file with the Clerk of Superior Court.
P.G Box 942835 -
1500 11th Street, Room 255
Phone: (404) 327-9058, Georgia Superior Court Clerks ' Cooperative
Sacramento, CA 94235-0001 Sacramento, CA 95814
Authority
Phpne: (916) 653-3516
Website: www 2.QSCcca , ora/Proiects/aboutucc.htrni
Website: www.ss.ca.gov/business/ucc/ucc.htm Email: www2.asccca.ora/comments.html
Email: lere@ss.ca.aov

Hawaii
Colorado
Dept of Land & Natural Resources Dept of Land & Natural Resources
Secretary of State, UCC Division Bureau of Conveyances Bureau of Conveyances
1560 Broadway Street, Suite 200 P.O. Box 2867 1151 Punchbowl Street
Denver, CO 80202 Honolulu, Hi 96803 Honolulu, HI 96813
Phdne: (303) 894-2200, (800) 869-3308 Phone: (808) 587-0152
Website: www.dosl .state.co.us/ucc /uccindex . stm Webstte: www. state.hi.us/dlnr/bc/FeeSchedule.html
Email: sos.business@ state.co.us Email: www.state.hius/dlnr/bc/Genlnfo.htm
Page 1 of 5 UCC Filing Offices
376
 Idaho Louisiana
: Secretary of State, UCC Division (Fite at County Recorder; filings are data-based, tied in with State filings)
: P.O. Box 83720 Secretary of State
i 700 West Jefferson P.O. Box 94125
-
: Boise, ID 83720 0080 Baton Rouge, LA 70804- 9125
-
: Phone: {208) 334 3191 -
Phone: ( 225) 342 5542; State Assistance: (800) 256-3758
Website: www.idsos.state.id.us /ucc /uccindex.htm Website: www. sec.state.la.us/comm.comm-index.htm
Email: sosinfo@idsos.state.id.us Email: osc@sec .state,la.us

Illinois Maine
; Secretary of State, UCC Department Secretary of State - UCC Filing Section
I Howtett Building, Room 30 Bureau of Corporations and Elections
: 501 South 2 d Street State Office Building, Room 221
" 101 Statehouse Station
: Springfield, IL 62756
Augusta, ME 04333-0101
Phone: (217) 782-7519
Website: www.sos.state.il.us/ Phone: (207) 287-4177
; Email: Mstandtev@ilsos.net Website: www.state.me.us/sos/coro/ucc .htm
Email: cec coroorations@state.me.us

Indiana
Maryland
; Secretary of State, Business Services Division - UCC
i 302 Washington Street, West Room E-018 Department of Assessments and Taxation
Indianapolis, IN 46204 301 West Preston Sheet, Room 809
Baltimore, MD 21201
Phone: (317) 233- 3984
Website: www.ai.org/sos/bus service/ Phone: (410) 767-1459
Emaii: Website: www.dat.state.md.us/sdatweb/charter.htmlfticc
www.state.in.us/serv/contact?src=%2fsos%2fbusservice%2fucc%2finde Email; www.dat.state.md.us/sdatweb/feedback.html
x . html

Iowa Massachusetts
Secretary of State, UCC Division Secretary of State, UCC Division
Hoover Building; East 14th & Walnut Street One Ashburn Place, Room 1711
Des Moines, tA 50319 Boston, MA 02108
Phone: (515) 281-5204 Phone: (617) 727-2860, (617) 727 -2800
Website: www. sos.state.ia.us/business/services.html Website: www. state.ma.us/sec /cor/coaiccionf.htm
Email; sos@sos.state.ia.us Email: laurie.Flvnn@sec.stat6.ma.us

Kansas Michigan
Secretary of State, UCC Division Department of State, UCC Unit Department of State, UCC Unit
Memorial Hall P.O. Box 30197 Secondary Complex
120 Southwest 10th Street Lansing, Ml 48909-7697 7064 Crowner Piaza
Topeka, KS 66612-1594 Dimondale, Ml 48821
Phone: (785) 296-4564 Phone: (517) 322-1144
Website: www .kssos.ora/uccwelc.html Website: www.sos.state.mius/
Email: KathvS@ksso$.oro Email: NlckersonJ@state.mi.us

Kentucky Minnesota
Secretary of State, UCC Division Secretary of State, UCC Division Secretary of State, UCC Division
P.O. Box 1470 363 Versailles Road 180 State Office Building
l Frankfort, KY 40602- 1470 Marc Manor Plaza 100 Constitution Avenue
Frankfort, KY 40601-3492 Saint Paul, MN 55155- 1299
Phone: ( 502) 573 -0265 Phone: (651) 296-2803
Website: www. sosstate.kv.us/intro/uccfilinQS.htm Website: www.sos.state.mn.us/uccd/index.html
: Email: None as of this printing. Email: ucc.dept@sos.state.mn.us
: UCC Filing Offices Page 2 of 5
377
 Mississippi New Jersey
Secretary of State New Jersey Dept of Treasury New Jersey Dept of Treasury
Business Services Division, UCC Division Central Filing, UCC Section Central Filing, UCC Section
4D1 Mississippi Street P.0, Box 303 225 State Street West, 3rd Floor
Jpckson, MS 39201 Trenton, NJ 08625 Trenton, NJ 08618
Rhone: (601) 359-6386 Phone: (609) 292-9292
Website: www.sos.state.ms.us/busserv/uce/ucc.htmi Website: www.state.ni.us/sos/
Snail: None as of this printing. Email: feedback@sos.state.ni.us

Missouri New Mexico

Secretary of State, UCC Division Secretary of State, UCC Division Secretary of State, UCC Division
PiO. Box 1159 600 West Main Street, Room 302 325 Don Gaspar, Suite 300
Jefferson City, MO 65102 Jefferson City, MO 65101 Santa Fe, NM 87501
-
Phone: (573) 751-4936, (573) 751 4179 Phone: ( 505) 827- 3600
Website: www.mosl.sos.state.mo.us/ Website: www.sos.state.nm.us/ucc/ucchome.htm
Email: S05main@mail.sos.state.mo.us Email: nmsos@slate.nm.us

Montana New York

Secretary of State Department of State
Business Services Bureau 41 State Street
p;0. Box 202801 Albany, NY 12231-0001
Helena, MT 59620-2801 Phone: (518) 474 4763 -
Phone: (406) 444- 3665 Website; www.dos.state.nv.us/coro/corpwww.html
Website: www.state.mt .us/sos/8usiness Services/forms.htmi#uccforms Email: corDorations@dos.state.nv.us
Email: sos@state.mt.us

North Carolina
Nebraska Secretary of State Secretary of State
Secretary of State, UCC Division UCC Division UCC Division
14th and K P.O. Box 29626 2 Salisbury Street, Room 302
PiO. Box 95104 Raleigh, NC 27626-0622 Raleigh, NC 27603-5909
Lincoln, NB 68509 Phone: (919) 807-2111; (919) 807- 2225
Phone: (402) 471-4080 Website: www.secretarv , state.nc , us/ucc/
Website: www.no1.oro/home/ SOS/htm/services.htm Email: None as of this printing.
Email: sos07@no1.orQ

North Dakota
Nevada Secretary of State, UCC Division
Secretary of State, UCC Division Capitol Building, 1s Floor
200 North Carson Street '
600 East Boulevard Avenue, Department 108
Carson City, NV 89701-4201 Bismark, ND 58505 -0500
Phone: (775) 684-5708 -
Phone: (701) 328- 3662; (701) 328-3663; (800) 352 0867
Website: www.sos.state nv.us/comm rec/index.htm Website: www.state.nd.us /sec/cantralindexinQuccfilinQs.htm
Email: nvcomrec@Qovmail.state ,nv.us Email: sosbir@state.nd.us

New Hampshire Ohio

Secretary of State, UCC Office Secretary of State, UCC Division Secretary of State, UCC Divisior
Rpom 204, State House P.O. Box 250 180 East Broad Street, 16th Floo
107 North Main Street Columbus, OH 43216 Columbus, OH 43215
Concord, NH 033014989 -
Phone: (614) 466 3623, (877) 767-3453
Phone: (603) 271-3276 Website:
Website: www.state.nh.us/sos www.serweb.sosstate.oh.us/wdbcoi/wdbcoi.exe/reoort/report.home
Email: None as of this printing. Email: buserv@sos.state.oh.us

Page 3 of 5 UCC Filing Offices

378
 Oklahoma South Dakota
Central Filing Office Secretary of State , UCC Division
320 Roberts. Kerr Avenue, Suite 107 Central Filing
Oklahoma City, OK 73102 500 East Capitol, Suite 204
Phone: { 405) 713- 1521 Pierre , SD 57501-5077
ebsite: www. sos.state. ok.us Phone: (605) 773- 4422
Email: www.sos.state.ok.us/feedback.htm Website: www.state.sd.us / sos/ucc.htm
Email: dakotafa$tfile@state,sd.u s

Oregon
Secretary of State Tennessee
Corporation Division - UCC Section Secretary of State , Division of Business Services
(Public Service Building William R. Snodgrass Towers , 6th Floor
255 Capitol Street Northeast, Suite 151 -
312 8th Avenue North
Salem, OR 97310-1327 Nashville, TN 37243-0306
jbhone : (503) 986-2200 Phone: (615) 741 3276-
iWebsite: www.sos.state.or.u s/corporation/corphelp.htm Website: www. state.tn.us /$os/$ervice.htm#ucc
lEmail: qarvJJohnson@state.or.us Email: tstovall@mail.state.tn.us

Pennsylvania Texas
Department of State Department of State Secretary of State, UCC Division Secretary of State, UCC Division
Corporation Bureau, UCC Section Corp. Bureau, UCC Section P.O. Box 13193 1019 Brazos Street
P.O. Box 8721 Commonwealth Ave. & North St, -
Austin, TX 78711 3193 Suite 505
.
Harrisburg PA 17105 8721 - North Office Building, Room 308 Austin, TX 78701
Harrisburg, PA 17120 Phone: UCC-1 info: (512) 475*2700; (512) 475 2703; -
IPhone: (717) 787*1057 -
UCC-3 info: (512) 475-2704; UCC-11 info: (512) 475 2705
Website: www.dos.state.pa.us/corps/coro.html Website: www.sos.state.tx.us/ucc/index.shtml
Email: None as of this printing. Email: miackson@sos.state.tx.us

Puerto Rico Utah

Department of State UCC Division UCC Division
P.O. Box 9023271 P.O. Box 146705 160 East 300 South, 2nd Floor
Old San Juan, Puerto Rico 00902-3271 Salt Lake City, UT 84114 6705- Salt Lake City, UT 84110
- -
Phone: (787) 722 2121; (787) 721 3173 -
Phone: Gen Info: (801) 530-4849; Unusual Info: (801) 530 6025
Website: www.estado.prstar.net Website: www.commerce. state.ut.us /coroorat/uccoaae.htm
j Email: None as of this printing. Email: comucc@.br. state.ut.us

| Rhode Island Vermont

i

j Secretary of State, UCC Division Secretary of State, UCC Division

i 100 North Main Street 81 River Street, Drawer 9
j Providence, Ri 02903 Heritage Building
Phone: (401) 222-3040 Montpelier, VT 05609-1104
Website: No UCC website as of this printing. Phone: (802) 828-2386
Email: corporation5@sec.state,ri.us Website: www.sec. state.vt.us /corps /corDindex.htm
1

Email: bpoulin@heritaqe. sec.state.vt.us

| South Carolina Virginia

j Secretary of State, UCC Division Secretary of State, UCC Division State Corporation Commission State Corporation Commission
i P.O. Box 11350 Capital Complex P.O. Box 1197, Clerks Office 1300 East Main Street
I Columbia, SC 29211 Edgar Brown Building Richmond, VA 23218 1197 * Clerks Office - 1st Floor
1205 Pendleton St., Ste. 525 Richmond , VA 23219
Columbia, SC 29201
(803) 734-2164 Phone: (804) 371-9733
' Phone
•
:
Website: www. scsos.com/uniform commercial code.htm Website: www.soc. state.va.us/bio,htm
Email: None as of this printing.
Email: www.scsos.com/feedback,htm
UCC Filing Offices Page 4 of 5
379
 Virgin Islands
Office of Lieutenant Governor Office of Lieutenant Governor
Corporation, UCC Division Saint Croix County Clerk
P.O. Box 450 1131 King Street
KongensGade #18 Suite 101
Charlotte Amalie, St. Thomas, VI 00802 Christianstad , VI 00820
Phone: Saint Thomas: ( 340) 776-8515; Saint Croix: (809) 733-6449
Website: www.qov.vi/htmi/ltQOV.html
Email: None as of this printing,

Washington
Dept of Licensing, UCC Section Dept of Licensing, UCC Section
P.O, Box 9660 405 Black Lake Boulevard
-
Olympia, WA 98507 9660 500 Building 2, 1st Floor
Olympia, WA 98501
Phone; (360) 664-1530, (360) 664-1531
.
Website: www.wa gov/dol/bpd/uccfront.htm
Email: ucc@doi. wa.qov

West Virginia
Secretary of State, UCC Department
State Capitol Building, Room W131
1900 Kanawha Boulevard East
Charleston, WV 25305
Phone: (304) 558 -6000
Website: www.state. wv.us/sostemp/default.htm
Email: wvsos@secretarv.state.wv.us

Wisconsin
Dept of Financial Institutions Dept of Financial institutions
UCC Division 345 Washington Avenue
P.O. Box 7847 3rd Floor
-
Madison, Wi 53707 7847 Madison, WI 53704
Phone: (608) 261-9548
Website: www.wdfi.oro/ucc/
Email: info@dfi.state.wi.us

Wyoming
Secretary of State , UCC Division
i10 Capitol Building
Cheyenne, WY 82002-0020
Phone: ( 307) 777-5372; (307) 777-5334; (307) 777-5342
Website: www.soswv.state.wv.us/uniform/uniform.htm
Email: corporations@state. wv.us

Page 5 of 5 UCC Filing Offices

380
 UCC Filing Offices in Canada
Alberta Nova Scotia
: Alberta Registries Personal Property Registry Registry of Deeds
: 51
’ Floor, J.E. Brownlee Building P.O. Box 2205
: '
P.0. Box 2022 1660 Hollis Street
10365 - 97 Street Halifax, Nova Scotia B3J 3S4
Edmonton, Alberta T5J 2P4 Phone: (902} 424- 8571; (902) 424-4203
; Phone: (403} 422-2362; (800 } 465-5009
Ontario
British Columbia Personal Property Security Registrations
Central Registration Branch
393 University Avenue, 3,d Floor
; Office of the Registrar General
; & Office of the Registrar of Companies Toronto, Ontario M5G 1E6
. 940 Blansbard Street, 2" Floor
d

Victoria, British Columbia V8W 3E6 - -

Phone; (416) 596 3766; (416 } 325-8847; (416) 325 8782
Phone: (604) 387-6121; (800) 663- 7887
Prince Edward Island
Manitoba Department of Provincial Secretary
P.O. Box 2000, Consumer Division
Department of the Attorney General
Charlottetown, Prince Edward Island C1A 7N8
Personal Property Registry
IS 1' Floor, Woodsworth Building Phone: (902) 368-6000
’
405 Broadway Avenue
Winnipeg, Manitoba R 3C 3L6
Quebec
-
Phone: (204) 945 3101; (204) 945-3100
Registry’s Office
150 Rene La Vesque, 7» Floor
New Brunswick Quebec City, Quebec G1R 2B2
Chief Registrar of Deeds -
Phone: (418) 646 9606
ATTN: Chief Registrar
P.O. Box 1998
985 College Hill Road Montreal
Fredericton, New Brunswick E3B 5G4 Registry Division of Montreal
1 Notre Dame Street East
iPhone: ( 506) 457-3581 Montreal, Quebec H2Y 1B6
-
Phone: (516) 393 2055
Newfoundland
Persona) Property Registrar Saskatchewan
Commercial Registration Division
Department of the Attorney General
Government Services
1871 Smith Street , P.O. Box 7128
Department of Justice
Regina, Saskatchewan S4P 3S5
P.O. Box 8740, Elizabeth Towers
Saint John's, Newfoundland A1B 4J6 Phone: (306) 787-6787; (306) 787-8187

Northwest Territories Yukon Territory

Registry of Bills and Sales, Credit Sales and Chattel Mortgages Government of Yukon, Department of Justice
P.O. Box 1320 Personal Property Security Registry
5009 49th Street , 1a Floor Consumer, Corporation, and Labour Affairs
Yellowknife, Northwest Territories X1A 2L9 P.O. Box 2703
Whitehorse, Yukon Territory Y1A 2C8
Phone: (403) 873- 7493
Phone: (867) 667-5623; (867) 667- 5225

UCC Filing Offices in Canada Page 1 of 1

381
I
 Part IV

Section 12

Blank Forms & Form Letters

INFORMATION REQUEST
FOLLOW INSTRUCTIONS (front and back) CAREFULLY
A. NAME & PHONE OF CONTACT |opfional) FILING OFFICE ACCT tf

EL RETURN TO (Name and Address) '

r • i

L THE ABOVE SPACE IS FOR FILING OFFICE USE ONLY

" 1. DEBTOR NAME to be searched -* insert only one debtor name (1a or 1b) - do not abbreviate or combine names
1a . ORGANIZATION'S NAME •

6K 1b . INDIVIDUAL S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

i

;2 INFORMATION OPTIONS relating 1o UCC filings and other notices on fil

. © in the filing office that include as a Debtor name (he name identified in item 1:
2a. SEARCH RESPONSE Q CERTIFIED (Optional)
~ ~
| Select gng of the following two options: | | ALL (Check this box 1o requesl a response lhat is complete, including filings that havo lapsed ) . UNLAPSED
i
.
2b COPY REQUEST [J
CERTIFIED (Optional)
i Select sna of the following two options:
"
| ALL f [] UNLAPSED
: 2c . SPECIFIED COPIES ONLY Q CERTIFIED (Optional)
i
Record Number Date Record Filed ( if required) Type of Record and Additional Identifying Information (if required)
i

ADDITIONAL SERVICES:
I
:

^ TDELFVER7|NSTRU
4a . Pick Up
^^ ^^ON ieqLe 5 3

^ ^nrma!iBrt n^
rwi!n Tmp3 ete < he7e):

!. 4b. Other
Specify desired method hetS (if available from this office), provide deliver information (e.g.. delivery service's name, addressee's account # with delr ry service, addressee’s phone #. etc.)
^
FjlLING OFFICE COPY (1) — * NATIONAL INFORMATION REQUEST (FORM UCC11) {REV. OS/G9/01)
i

i
 UCC FINANCING STATEMENT
FOLLOW INSTRUCTIONS ( front and back) CAREFULLY
A . NAME & PHONE OF CONTACT AT FILER [optional]

B. SEND ACKNOWLEDGMENT TO; (Name and Address)

. 1
i

i
i
j
i
THE ABOVE SPACE IS FOR FILING OFFICE USE ONLY
1. DEBTOR'S EXACT FULL LEGAL NAME - insert only ent debtor name (1a or 1b) - do noi abbreviate or combine names
1a. ORGANIZATION'S NAME

OR 1b. SUFFIX
INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME

1c. MAILING ADDRESS crry STATE POSTAL CODE COUNTRY

Id. TAX ID U \ SSNOREIN ADDL INFO RE Me. TYPE OF ORGANIZATION 1f. JURISDICTION OFORGANIZATION .
1g. ORGANIZATIONAL ID # if any
ORGANIZATION
i
i
DEBTOR I I
-
2. ADDITIONAL DEBTORS EXACT FULL LEGAL NAME Insert only one debtor name (2a or 2b) - do not abbreviate or combine names
2a. ORGANIZATION'S NAME

OR
.
2b INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

2c. MAILING ADDRESS COY STATE POSTALCODE COUNTRY

2d. TAX ID #: SSN OR ElN ADD'L iNFO RE j 2o. TYPE OF ORGANIZATION 2f.JURISDICTION OF ORGANIZATION 2g. ORGANIZATIONAL ID #, If any
ORGANIZATION
I
DEBTOR I I ONE

i 3a. ORGANIZATION'S NAME

-
3. SECURED PARTY'S NAME (or NAME of TOTAL ASSIGNEE of ASSIGNOR S/P) Insert only aas secured party name (3a or 3b)

OR
3b. INDIVIDUAL S LAST NAME FIRST NAME MIDDLE NAME SUFFIX
I
i
I

i 3 c. MAILING ADDRESS CITY STATE POSTALCODE COUNTRY

1 4. This FINANCING STATEMENT cover? the following collateral:

5. ALTERNATIV E DESIGNATION (if applicable) lESS EE/L ESSOR LICONSIGNSE/CONSIGNOR \ \ BAILEE

l /BAILOR [ J :SELLER/BUYER [ IAGUEN -
NON UCCFIUNG
7- on Eebtorfsj
j
J
ESTATE RECORDS. Allacb Addendum
^^eblorsJ Debtor 1
.. footionafl J debtor 2
6. OPTIONAL FILER REFERENCE DATA

FILING OFFICE COPY — NATIONAL UCC FINANCING STATEMENT ( FORM UCC1) (REV. 07/29/98)
UCC FINANCING STATEMENT ADDENDUM
FOLLOW INSTRUCTIONS (front and back) CAREFULLY
9. NAME OF FIRST DEBTOR {1a or 1b) ON RELATED FINANCING STATEMENT
.
9a ORGANIZATION'S NAME

OR
.
9b INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME,SUFFIX

10. MISCELLANEOUS:

THE ABOVE SPACE IS FOR FILING OFFICE USE ONLY

- -
11. ADDITIONAL DEBTOR'S EXACT FULL LEGAL NAME insert only ana name (11a or 11b) da not abbreviate or combine names
11 a . ORGANIZATION 'S NAME

OR
11b. INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

.
11c MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY

11d. TAX 10 #: SSN OR EIN ADD'L INFO RE 111«. TYPE OF ORGANIZATION 11f. JURISDICTION OF ORGANIZATION 11g, ORGANIZATIONAL ID # , if any
ORGANIZATION
DEBTOR i NONE
12. jADDITIONAL SECURED PARTY'S fli [ [ ASSIGNOR S/P'S -
NAME insert only one name {12a or 12 b)
12a. ORGANIZATION S NAME
I

OR
12b . INDIVIDUALS LAST NAME FIRST NAME MIDDLE NAME SUFFIX

12c. MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY

13 . This FINA NCING STATE ME NT covers | |tlmber to ba cut or| [ as- extracted 16 . Additional collateral description:
jfixlure filing
collateral, or is filed as a

^
,

j 14. Description of real estate:

115 . -
Name and address of e RECORD OWNER of above described real estate
; (if Debtor does not have a record interest ) :

17. Chock only if applicable and check only one box .

I
Jfrust cl
"

I
Debtor is a I [ Trustee acting with respect to properly held in trust or| [pecedent's Estate
18. Check only >f applicable and check only one box.

Debtor is a TRANSMITTING UTILITY

-
Filed in connection with a Manufactured Home Transaction — effective 30 years
>

-
Filed in connection with a Public Finance Transaction
— effective 30 years

FILING OFFICE COPY — NATIONAL UCC FINANCING STATEMENT ADDENDUM (FORM UCClAd) (REV. 07/ 29/98)
 UCC FINANCING STATEMENT AMENDMENT
FOLLOW INSTRUCTIONS (front and back) CAREFULLY
A. NAME & PHONE OF CONTACT AT FILER [optional]

B. SEND ACKNOWLEDGMENT TO: {Name and Address)

THE ABOVE SPACE IS FOR FILING OFFICE USE ONLY

1a. INITIAL FINANCING STATEMENT FILE # 1b, This FINANCING STATEMENT AMENDMENT is

2.
n to be filed [for record] (or recorded) In the
REAL ESTATE RECORDS -
TERMINATION: Effectiveness of the Financing Statement identified above is terminated with respect to security interest(s) of the Secured Party authorizing this Termination Statement.
3. CONTINUATION: Effectiveness of the Financing Statement identified above with respect to security interest(s) of the Secured Party authorizing this Continuation Statement is
onlinged (or the additional period provided by applicable law .
i

|ASSIGNMENT
^
! 4. ( full or partial): Give name of assignee in item ?a or 7b and address of assignee in item 7c; and also give name of assignor in item 9.

.
5 AMENDMENT (PARTY INFORMATION): This Amendmeni affects [ [ Debtor or | Jsacured Party of record. Chech only era of these two boxes .
Also Chech one of the following three boxes and provide appropriate information in items 6 and/or 7,
[““ICHANGE name and/or address: Give current record name in item 6a or 6b; also give new
l name (if name change) in item 7a or 7b and/ or new address (if address change) in Item 7c .
DELETE name: Give record name
I—1to be deleted in item 6a or 6b. -
.
ADD name: Complete item 7a or 7b and also
.
item 7c; also complete items 7d 7o (if applicable)
6 - CURRENT RECORD INFORMATION:
.
6 a ORGANIZATION' S NAME

OR 6b
INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

7, CHANGED ( NEW) OR ADDED INFORMATION:

7a ORGANIZATION’S NAME

OR
7b, INDIVIDUAL 'S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

7 c . MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY

i
7 d. TAX ID U: S$N OR ElN ADD!INFO RE [ 7e. TYPE OF ORGANIZATION 7 f. JURISDICTION OF ORGANIZATION 7g. ORGANIZATIONAL ID #, If any
; ORGANIZATION
DEBTOR | ONE
8. AMENDMENT ( COLLATERAL CHANGE): chack only fin box.

D . entirej * Restated collateral description, or describe collateral |

i
Describe collateral eteled or dded or give

^ assigned

9. NAME OF SECURED PARTY OF RECORD AUTHORIZING THIS AMENDMENT (name of assignor, if this is an Assignment). If ihls is an Amendment authorized by a Debtor which
adds collateral or adds the authorizing Debtor, or if this is a Termination authorized by a Debtor, check hereI I and enter name of DEBTOR authorizing this Amendment.
‘ 9a. ORGANIZATION'S NAME

OR
.
9b INDIVIDUAL ' S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

10.OPTIONAL FILER REFERENCE DATA

FILING OFFICE COPY

— NATIONAL UCC FINANCING STATEMENT AMENDMENT (FORM UCC3) (REV 07/29/98) ,
UCC FINANCING STATEMENT AMENDMENT ADDENDUM
FOLLOW INSTRUCTIONS ( front and back) CAREFULLY
) 1. INITIAL FINANCING STATEMENT FILE # (same as item 1a on Amendment form)

42. AME OF PARTY AUTHORIZING THIS AMENDMENT ( same as item 9 on Amendment form)
^12 a ORGANIZATION S NAME
'

OR
12b . INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAMEtSUFFtX

53. Use this space for additional information

THE ABOVE SPACE tS FOR FILING OFFICE USE ONLY

FILING OFFICE COPY NATIONAL UCC FINANCING STATEMENT AMENDMENT ADDENDUM (FORM ucc3Ad) (REV. 07/ 29/98)
 I

Date:

Filing Officer

Re: Referenced Commercial Transaction

Greetings:

Please find enclosed :

UCC Information Request Fee: $ -
(UCC 9 525)
UCC Financing Statement
Certified Copy requested ($ +$ _ per page)
Fee: $
Fee : $
-
(UCC 9 525)
(Local rule )
i UCC Financing Statement Amendment Fee: $ (UCC 9-525)
Certified Copy requested ($ +$ per page) Fee: $ (Local rule)
Total Fees: $

Please take the following actions re the enclosed :

:
Search Response Certified (! ) All Unlapsed (UCC 9 523) -
Copy Request Certified n All Unlapsed (UCC 9 523) -
Specified Copies Only Certified (UCC 9 523) -
Record and index* -
(UCC 9 516(b); 9 519) -
Real Estate Records filing (UCC 519(d)(e), 521(a))
Search Report All Debtors Debtor 1 Debtor 2 (UCC 5-921(a))

Please return acknowledgment copy/requested records as follows:

First-Class Mail
Express Mail -
(pre paid Express Mail mailing label enclosed)
Federal Express -
(pre paid FedEx USA Airbill enclosed)

Thank you .

* Filing Officer: In the event the enclosed financing statement/amendment is rejected for filing, please provide secured party
with the specific reason(s) for any such refusal in writing within two (2) business days of filing office’s receipt of said
financing statement/amendment in accordance with UCC § 9-520(b). If said refusal is for a reason other than as authorized
at UCC § 9-516(b), the person ( s) responsible for said refusal should adequately identify himself/herself in the
aforementioned written communication and provide secured party with the Code authority permitting said refusal.
Filing Cover Sheet Page 1 of 1 Rev. 07/ 02/2001

m
 I
'
I

In care of:
Post Office Box 9999
Los Angeles 90010
California Republic
March 1, 2002
Celine Sanchez, State Registrar
I
New Mexico Vital Records and Heath Statistics
P.O. Box 26110
i Santa Fe, NM 87502-6110
i

i Re: Security of property in your custody

Dear Ms. Sanchez:
This letter is written to you in your capacity as custodian of my property, i.e. my common-law-copyrighted
name, in all its forms, as it appears on the security instrument in your custody identified as STATE OF NEW
MEXICO DEPARTMENT OF HEALTH, PUBLIC HEALTH DIVISION , BUREAU OF VITAL RECORDS AND
HEALTH STATISTICS "CERTIFICATE OF BIRTH," File No. 55-2222-333, as well as may appear on any
similar antecedent or subsequent birth record. As you are aware, protection of my personal right/property
right (in respect of the aforementioned personal property) and the security of my personal property are
i
paramount obligations for you, as custodian holding the office of State Registrar.
For the above reasons, and others unnamed, the following are my instructions for you, as custodian of my
common-law-copyrighted property, concerning your custodial obligations:
Neither you nor STATE OF NEW MEXICO DEPARTMENT OF HEALTH, PUBLIC
HEALTH DIVISION, BUREAU OF VITAL RECORDS AND HEALTH STATISTICS, nor any
other party within STATE OF NEW MEXICO, has my permission to divulge, reveal i

confirm, release, transfer, relay, discuss, verify, or otherwise communicate or disseminate

in any way my common-law-copyrighted property, i.e. my name, my personal information
and likewise any of my highly restricted personal information, with any third party i

including, but not limited by, any and all government employees, agents, officers
agencies, and organizations, as well as any and all private individuals, companies, and
corporations.
If you are in violation of my wishes as stated above, you will need to rectify the situation immediately by
informing any and all appropriate parties of the private nature of my common-law-copyrighted property and
the mistake made in releasing it from your custody. The property will need to be returned to your sole
custodianship to avoid penalties. Since you are the sole custodian of the common-law-copyrighted
i
i
property, as described above, you are the sole party responsible for its safekeeping. Please review the
i
enclosed certified copy of the notice of the common-law copyright on my name and guide yourself
accordingly.
I

Sincerely !

1 John Henry Doe®

Enel.: Certified copy of Affidavit of Publishing of Copyright Notice

3«M>
The Uniform Commercial Code, “ UCC,” the subject of this manual, is the transcendent,
paramount achievement of the efforts of a few thousands of intensely dedicated and sin-
gle- minded collaborators (dare we call it “conspiracy”?) over the last two-plus millen -
nia. It is the culmination of an almost incomprehensibly complex , systematic, intricate,
pervasive, and far- reaching agenda of strategic and tactical global planning to secure
absolute legal , financial, social , ecclesiastical , and political ( military ) dominance over the
people of Earth. The fundamental medium chosen for accomplishing these iniquitous
aims: Commerce. The UCC, first introduced in 1954, has been developed across the cen -
turies with microscopically excruciating and painstaking attention to detail for avoiding
forever risk of detection and revelation of its true nature. It was fully expected that the
Code would never be cracked. Proof of this fact is the absence of any device/mechanism
for the enforced reversal of the process and recapture of slaves who manage to break free.

If you are a slave interested in breaking free, this manual has answers you have been
searching for. Embarking on the pages of this volume, however, is comparable with
“taking the red pill ,” and so should be carefully considered by worshipers of Big
—
Brother and the faint of heart for with such knowledge also comes the innate urge
to take responsibility, an unpleasant prospect for many. No matter your level of
interest in the workings of the world around you and your commitment in making
it a better place, if you “decide on the red pill ” you will never again see it in the
same way. The Code has been cracked, and awaits your decision . Which will it be?

$125.00
ISBN Q -TOTSfifi -E- M
59999
 Cracking the Code Third Edition

Additions/Updates
(December 27, 2002 — New Entries in red)

Page Where to insert addition/update:

xix Before first paragraph

The Federal Reserve monetary system is designed to bankrupt every single non-insider
who partakes in it (including you), and, however gradually, is achieving its covert
objective against the American people with undeniable regularity:

“Bankruptcy filings reach record 1.5 million…

“NEW YORK – Bankruptcy filings surged 19% to a record 1.5 million last year, as
businesses and consumers struggled under heavy debt loads during the economic
slowdown.
“Consumer bankruptcies, which accounted for 97% of all filings, jumped 19%, while
business bankruptcies rose 13%, according to data released Tuesday by the
Administrative Office of the U.S. Courts….” USA TODAY, February 20, 2002

16 New footnote: Third paragraph, first line, after first usage of “books”
“The more numerous the laws, the more corrupt the government.” Tacitus, 100 A.D.

41 Before sub-heading, “Esquires”

“Right to Practice Law” a British Monopoly Since 1178 A.D.

The Crown’s continuous control of, and monopoly over, the U.S. judicial system is
confessed nowhere more eloquently than in the July – August 1976 edition of the
Journal of the Missouri Bar (p. 271), by Wade F. Baker, Executive Director of The
Missouri Bar:

“It was almost eight hundred years ago, in 1178 A.D., during the reign of Henry II, that
citizens of England, because of unscrupulous practices of untrained persons, petitioned
the king for establishment of a trained body of men and women, learned and skilled in
the law, whose character would be attested by the crown. The legal profession was thus
formalized and given a monopoly by the crown to practice law for the public good.

“When the United States Constitution was adopted, it granted to each citizen the trial of
all crimes by jury, and Amendment VI to the constitution confirmed the right of
assistance of counsel in such trials. Each state’s constitution has provided that citizens
have the right to appear and defend in person and by counsel in criminal prosecutions.

“Thus, for eight centuries, the legal profession has been formally recognized and
granted a monopoly to serve the public….”

“Courts are in the main managed by lawyers who hold judicial positions …”
(Underline and bold emphasis added)

1
51 Revise footnote 30 as follows:
Federal Reserve Chairman Alan Greenspan, Esq. is the most recent recipient of honorary
knighthood (“…in recognition of ‘the benefit that the United Kingdom has received from the
wisdom and skill’ of the Fed chief,” quoting Queen Elizabeth in “Greenspan is Given the Royal
Treatment,” LA Times, 9/27/2002) but apparently the past many American presidents also have
been honored with knighthood (“Sir”; title of nobility) bestowed by the Queen.

56 New footnote: Under “Fair Debt Collection Practices Act” (in middle of page), after first bulleted
entry, “Contacts regarding unpaid tax”
All contacts from IRS (phone, mail, email, in person) are “Contacts regarding unpaid tax.”
Therefore, this simple admission is proof that IRS is not part of government—because all IRS
tax-collection activity is subject to FDCPA.

57 New footnote: Second paragraph, fourth line, after the phrase, “in the field”
"In the field": "The words 'in the field' imply military operations with a view to an enemy...and it
has been said that in view of the technical and common acceptation of the term, the question of
whether an armed force is 'in the field' is not to be determined by the activity in which it may be
engaged at any particular time...." Uniform Code of Military Justice Act of 5 May 1950. IRS
agents, FBI agents, Secret Service agents, etc. are known as “agents in the field.” See also field
warehouse receipt in Glossary.

57 New footnote: After last word (“WTO”) of last paragraph

Confirming China’s role in the commercial conquest of Earth is the astronomical growth in the
esquire population in that country. The official Xinhua News Agency reported on July 7, 2002
that the All-China Lawyers Association said that the number of attorneys in China stands at
110,000, up from a mere 200 two decades ago—a 55,000% increase in only 20 years. The
general secretary of the association also confirmed that there are nearly 10,000 law offices in
China. (“China’s Population of Lawyers Skyrockets,” LA Times, Monday, July 8, 2002)

58 Replace top paragraph and newspaper-article quote with:

The inevitable denouement1 of the clandestine love affair between beltway commies and
Chinese labor is portended nowhere more clearly than in an article from the October 21,
2002 edition of the Los Angeles Times, “China Polishes Off Rivals in Furniture
Production”:

“Backed by cheap labor, the country has become the top exporter to the U.S. in less
than 10 years.
“DONGGUAN, China — In a vast, climate controlled room far from the dust and din of
the woodcutting machines, rows of young Chinese women create elaborate patterns from
thin strips of wood. Fingers flying, they shape veneer into complex patterns of
contrasting grains and colors, wooden tapestries meant to transform mere cabinets into
objets d’art.
“The workers who craft these designs are paid 40 cents an hour, which allows
factory owner Samuel Kuo to make high-end furniture for American consumers for 30%
less than his U.S. competitors can.
“…In less than a decade China has become one of the world’s leading furniture
producers and the top exporter to the U.S.

1
Denouement: (da?noo?män') The final unraveling or solution of the plot of a play, novel, or short story; issue; outcome; any
final issue or solution.
2
 “‘For the next 10 or 15 years China will be the manufacturing base for all of the
world,’ said Kuo, 47, whose Lacquer Craft Manufacturing Co. ships 1,400 containers of
furniture — the equivalent of 18,200 bedroom sets — to the United States each month….
“An outpouring of Chinese products is reshaping the global economy. Around the
world, makers of everything from bicycles to bath towels are struggling to survive
intense competition from inexpensive, high-quality Chinese goods. Thousands of
factories have closed as production jobs have moved to China.”
“…‘We can’t expand fast enough,’ said Michael Keith Estes, a managing director at
Akzo Nobel. He predicted that 90% of U.S. furniture production would move to China
within five years. ‘It’s a sleeping dragon, and it woke up.’…”

58 New footnote: Next-to-last paragraph, third line, following the word “consumers”
“‘The big question,’ Jeffrey E. Garten, dean of the Yale School of Management, observed
recently, ‘is whether the world economy is becoming so dependent on China as an industrial
lifeline that it will soon be dangerously vulnerable to a major supply disruption. . . .’ ‘In other
words,’ Garten wrote in the June 17 issue of Business Week, ‘will China’s importance to global
manufacturing soon resemble Saudi Arabia’s position in world oil markets?’” (“Sleeping Giant
Decides to Rise and Shine,” Los Angeles Times, Wednesday, July 10, 2002)

64 Before the sub-heading, ”Your Future”

The Status Quo

As cited earlier, the Crown has enjoyed exclusive control of the legal profession since
1178 A.D. Using bar-card-carrying urban guerrillas in three-piece suits called “attorneys
at law,” rather than M-16-toting mercenaries in government-issue camouflage, the
Crown—and the banking interests behind it—has almost completely wrapped up its
mission by successfully infiltrating and subjugating the government of nearly every
country on Earth. No longer do people in America live their life “under God,” as
originally intended at the inception of this country, but “under rule of law,” as quoted
directly from the mission statement (military objective) of both bar association and
judicial system. Even the so-called, sham “separation of church and state” doctrine has
been utterly debauched across the land, with officer-of-the-state esquires 2 dictating
policy over tax-exempt, slave-of-state religious corporations.

Hidden in plain sight on the pages of any major metropolitan newspaper in America on
any given day is a status report on just how far down the primrose path we have been
led by the “honorable” esquires that comprise approximately 58% the legislative, judicial,
and executive branches of the U.S. government. Apparently, it is now common
knowledge that “black is really white” and that “up is really down”: men and women have
earthly existence and can effect physical changes on the world around them;
corporations exist in name only and can neither think nor speak nor act in any way, but
still are considered capable of it by the legislative branch (congress), accused of it by
the executive branch (prosecutors) and tried for it by the judicial branch (judges) every
day. From a front-page article in the June 16, 2002 edition of the LA Times entitled
“Andersen Found Guilty of Obstruction”:

“HOUSTON—A federal jury convicted accounting firm Arthur Andersen of

obstruction of justice Saturday, sending the firm to the brink of extinction and giving the
Justice Department a crucial win in its probe of Enron Corp.

2
“It is generally accepted that an attorney is an officer of the Court and, as such, an officer and arm of the state.” 7
Corpus Juris Secundum 4, Virgin Islands Bar Association v. Dench, D.C. Virgin Islands, 124 F. Supp. 257.
3
 “Jurors said the verdict arose not from Andersen’s shredding of Enron documents—
the crux of the government’s case—but from the actions of an Andersen staff attorney
who has not been charged and who invoked her right not to testify at the trial….”
“Sentencing is set for Oct. 11, when the firm could face a $500,000 fine….”

The jury determined that Nancy Temple, an Andersen attorney, had criminal intent when
she ordered the shredding of certain Enron documents. However, Temple has been
officially forgotten and the criminal/financial (commercial) charge is being leveled against
Andersen, an artificial person with no capability of physical action. Even though
corporate Andersen can “act” only through its attorney, the idea-in-the-mind, ink-on-
paper corporation has been convicted of criminal acts, and will soon be fined for crimes
committed by the actual, flesh-and-blood perpetrator, who enjoys the benefit of a title of
nobility (immunity from prosecution).

The legal system has officially equated men and women with a
corporation via instigation of, and insistence upon, the TRADE
NAME, and now selectively criminally/financially (commercially)
charges either in accordance with its immediate needs. In the above
example, as with countless others, the officer-of-the-state, British-
title-of-nobility-holding criminal remains free to continue serving the
Crown in its rape of America via the judicial system and bar
association without interference.

80 New footnote: Last paragraph, 10th line, after the phrase, “retirement age”
“White House Press Secretary Ari Fleischer took a swing at the existing Social Security program.
Calling it ‘dangerous’ to ‘let people pay a lifetime of high taxes for a Social Security benefit that
under current projections they’ll never receive.’” (“White House Says Bush Still Backs Benefit
Plan,” LA Times, Thursday, July 25, 2002)

92 Immediately before “Black’s 4th ”

Black’s 3rd = Black’s Law Dictionary, Third Edition, 1933

100 After last definition of “ATTORNEY”

Strictly, one who is designated to transact business for another. Black’s 7th.

146 Add the following definitions and “Note” under “MONEY”

MONEY. A general, indefinite term for the measure and representative of value;
currency; the circulating medium; cash. “Money” is a generic term, and embraces every
description of coin or bank-notes recognized by common consent as a representative of
value in effecting exchanges of property or payment of debts. Hopson v, Fountain, 5
Humph. (Tenn.) 140. Money is used in a specific and also in a general and more
comprehensive sense. In its specific sense, it means what is coined or stamped by
public authority, and has its determinate value fixed by governments. In its more
comprehensive and general sense, it means wealth,—the representative of commodities
of all kinds, of lands, and of everything that can be transferred in commerce. Paul v.
Ball, 31 Tex. 10. In its strict technical sense, “money” means coined metal, usually gold
or silver, upon which the government stamp has been impressed to indicate its value. In
its more proper sense, “money” means any currency, tokens, bank-notes, or other
circulating medium in general use as the representative of value. Kennedy v. Briere, 45

4
 Tex. 305…. Black’s 3rd. "Congress can exercise no power by virtue of any supposed
inherent sovereignty in the General Government. Indeed, it may be doubted whether
the power can be correctly said to appertain to sovereignty in any proper sense as an
attribute of an independent political community. The power to commit violence,
perpetrate injustice, take private property by force without compensation to the owner,
and compel the receipt of promises to pay in place of money, may be exercised, as it
often has been, by irresponsible authority, but it cannot be considered as belonging to a
government founded upon law. But be that as it may, there is no such thing as a power
of inherent sovereignty in the Government of the United States." Juilliard v. Greenman,
(1884) 110 U.S. 421. See Note. Confer value.

Note: Gold—which is actually “portable land”—is the money of sovereigns and

consists of value. Before the 1933 declared bankruptcy of the US Government,
money consisted of gold and silver specie, as well as its equivalent in certificate
form, and was representative of value. Today’s so-called “money” (Federal
Reserve Notes) is fiat money, i.e. “money by decree,” “Monopoly™ money,” is
not representative of value, but rather debt/liability, and is the money of artificial
persons, called banks, governments, corporations, trusts, and “individuals” (see
individual), etc. [Please also note the use of the word “public” in the expression
public authority that appears in the sixth line of the first definition above.
Although Big Brother very cleverly disguises the true meaning of this term
contemporarily, this 1933 usage makes it very clear: “public” = government.]

157 Add the following definitions and “Note” under “PUBLIC”

“…Money is used in a specific and also in a general and more comprehensive sense. In
its specific sense, it means what is coined or stamped by public authority, and has its
determinate value fixed by governments….” Black’s 3rd. See Note.

Note: Try as it may, Big Brother cannot completely disguise the true meaning of
the word public. The leopard cannot change its spots. There is nothing
altruistic about contemporary employment of the term. As is discernible from its
1933 usage in Black’s 3rd in the last definition above, the real meaning of
“public” is government.

184 Add the following definition and modify “Note” under “VALUE”as follows:
“The utility of an object in satisfying, directly or indirectly, the needs or desires of human
beings, called by economists ‘value in use;’ [sic] or its worth consisting in the power of
purchasing other objects, called ‘value in exchange.’ Also the estimated or appraised
worth of any object of property, calculated in money.” Black’s 3rd.

Note: There was a time in America when the currency represented value
because it could be exchanged for a fixed amount of precious metal (gold/silver).
When we lost the gold standard, the definition of value had to be debauched so
as to accommodate the new valueless “money,” Federal Reserve Notes. This
perversion of the term is evidenced clearly by comparing the Black’s 3rd (1933)
definition of value and the UCC definition (2002). A necessary provision of law
is “remedy” (see remedy). Modern operation of “Acceptance For Value” is, by
deduction, remedy. When you file a UCC Financing Statement and redeem your
original birth document and claim ownership of the TRADE NAME no one can
dispute/challenge the claim, and a “reconveyance of title” is effected. You have,
by definition, the supreme right in the title of the birth-certificate straw

5
 man/TRADE NAME—over all others—because its very existence is derived
entirely from you, thereby evidencing value, as the term is used
contemporaneously in the UCC. In fact, all of the above UCC definitions apply
directly in the case of you and your TRADE NAME. A good exercise would be to
work through all the definitions until you understand how the value-aspect
applies; sub-paragraphs “(a),” “(b),” and “(c)” of the sample Private Agreement on
page 237 are taken directly from the above definitions of value. Once you fully
understand how you have given, and continue to give, value you will know how
you acquired your rights, and you will also achieve an unshakable certainty of
your true standing in the societal scheme of things. The fact that you have
“given value” is confirmed every time a bank accepts your promise to pay (and
uses it to issue a so-called “loan”) and tacitly acknowledged and validated by
government in its silence and registration of the UCC Financing Statement.
Among other things: “The instrument [your birth document] is…transferred
[redeemed by you]…as security for, an antecedent claim against any person
[your TRADE NAME]” based on your preexisting claim. See acceptance by
silence, remedy, presumption.

198 Replace “…as signified by” with “…, subscribed with…” in both the sixth and twelfth line.

200 Replace “…as signified by” with “…, subscribed with…” in both the eighth and fifteenth line.

204 Replace paragraph “I.A.” with the following:

A. Source book for UCC filings. It is recommended that you obtain the source book,
UNIFORM COMMERCIAL CODE AND RELATED PROCEDURES GUIDE (242
pages), published by Registré, Inc. and available directly from BB&C of America.
This book tells how to obtain forms from every state/territory, as well as instructions
for filing in every American and Canadian UCC filing office. It includes both mailing
and street address, website, email address, phone, and fax for each filing office, as
well as other pertinent information for each particular jurisdiction. Order online at
www.bbcoa.com or send $39.95 plus $4.00 S&H to BB&C of America at the mailing
location appearing at the beginning of this book.

204 Replace the last sentence of paragraph “I.D.” with the following:
Transmitting-utility status is beneficial in that the filing is permanent and need not be
renewed every five years, as with all other types of debtors (more evidence that this is
the right path), but is not a requirement for filing. Do not hesitate to omit checking this
box if your filing is rejected because of it (and then just renew every five years or file
anew after office personnel have changed).

216 Replace the last paragraph under “I.B.” with the following:
Once you know the original filing number, you can order a certified copy of your filing
using the procedure in Section 7. Even though you may save time by ordering a
certified copy at the time of filing, this is not always advisable. Filing offices consider it
normal to provide a certified copy of a filed record (usually for use in a court case), but
may regard a request for such at the time of filing as unusual. If time is not a
consideration, you may want to consider ordering after you have filed.

6
217 Replace the second paragraph under “I.D.” with the following:
The new cover sheet offered herein (a sample appears on page 236, a blank form on
page 389) lets the filing officer know that you are a knowledgeable filer, but, because of
its association with this process, can also act as a signal for the filing officer and cause
him/her to reject your filing arbitrarily. You need to decide what is best for you in getting
your financing statement filed. Filing officers are not free to reject filings at their whim,
and are restricted by the limitations imposed by UCC 9-520, which states:

221 Replace paragraph “12 (b)” with the following:

(b) Optional Redemptor filing. Complete True Name (given name + surname; initial
letters only capitalized) appearing completely within the box marked “INDIVIDUAL’S
LAST NAME.” This is unusual and should be done only where the filer was
confident that the filing would not be rejected because of it. Note: Because the
indexing of the secured party’s name is not as crucial as that of the debtor, a filing
officer may let this slide. Some people prefer not to enter their True Name “military
style” in the three boxes as is done with TRADE NAMES and other corporately
colored entities but we, however, recommend it. There appears to be no advantage
in doing it otherwise.

223 Replace paragraph 29 with the following:

29. ADDENDUM Box 18. Unless you are certain that your state will reject a
transmitting-utility filing, always place an “X” in the box marked “Debtor is a
TRANSMITTING UTILITY” (see transmitting utility in Glossary). A transmitting-
utility filing is permanent and need not be renewed every five years, as with all other
types of debtors. A non-transmitting-utility filing is just as valid, but must be
renewed (by amendment in a “Continuation” filing) within the last six months of each
five-year period (resubmitting an original filing after filing-office personnel have
changed may also result in acceptance). The remaining two boxes in Box 18 are
not applicable for our purposes and so should be left blank.

230, 234 Modify data in Box B as follows:

John Henry Doe
Post Office Box 9999
Los Angeles, CA 90010

230, 234 Modify data in Box 3c as follows:

Post Office Box 9999 Los Angeles CA 90010

230 Replace data in Box 4 with the following:

All of debtor's assets, land, and personal property, and all of debtor's rights in said
assets, land, and personal property, now owned and hereafter acquired, now existing
and hereafter arising, and wherever located, described fully in Security Agreement No.
JHD-050690-SA dated the Sixth Day of the Fifth Month in the Year of Our Lord One
Thousand Nine Hundred Ninety. Inquiring parties may consult directly with debtor for
ascertaining, in detail, the financial relationship and contractual obligations associated
with this commercial transaction, identified in security agreement referenced above.
Adjustment of this filing is in accord with UCC §§ 1-103, 1-104, and House Joint

7
 Resolution 192 of June 5, 1933. Secured Party accepts Debtor's signature in accord
with UCC §§ 1-201(39), 3-401.

234 Replace data in Box 4 with the following:

All of debtor's assets, land, and personal property and all of debtor’s rights in the real
property commonly known as 123 Elm Street, Los Angeles, CA 90011, now owned and
hereafter acquired, now existing and hereafter arising, described fully in Security
Agreement No. JHD-050690-SA dated the Sixth Day of the Fifth Month in the Year of
Our Lord One Thousand Nine Hundred Ninety. Inquiring parties may consult directly
with debtor for ascertaining, in detail, the financial relationship and contractual
obligations associated with this commercial transaction, identified in security agreement
referenced above. Adjustment of this filing is in accord with UCC §§ 1-103, 1-104, and
House Joint Resolution 192 of June 5, 1933. Secured Party accepts Debtor's signature
in accord with UCC §§ 1-201(39), 3-401.

236 (See revised cover letter.)

237 – 251 Replace document number (in heading and footer) and common-law date of Private Agreement,
Hold-harmless and Indemnity Agreement, Security Agreement, Attachment Sheet (see paragraph
“9” of Attachment Sheet, as well), and Private Collateral List with:
050690
Sixth Day of the Fifth Month in the Year of Our Lord One Thousand Nine Hundred Ninety

237, 239, 241 Modify name and mailing location at top under “Creditor” as follows:
John Henry Doe©
Post Office Box 9999
Los Angeles, CA 90010

241 Replace definition of “Claim” in “Words Defined; Glossary of Terms” with:

Claim. In this Security Agreement the word “claim” means: 1(a). Right to receive payment in the form of
any of the following: a judgment; damages in any of the following forms: liquidated, un-liquidated, fixed,
contingent, matured, un-matured, disputed, undisputed, legal, equitable, secured, unsecured; a ruling
deriving from an equitable remedy for breach of performance if such breach results in a right to receive
payment, both in the form of a judgment as well as in the form of debts/obligations in any of the following
forms: fixed, contingent, matured, un-matured, disputed, undisputed, secured, unsecured. 1(b). A
challenge of property; any challenge of ownership of a thing that is wrongfully withheld. 2(a). To demand as
one’s own. 2(b). To demand as one’s right. [See Hill v. Henry, 66 N.J. Eq. 150, 57 Atl. 555; Douglas v.
Beasley, 40 Ala. 147; and Prigg v. Pennsylvania, 16 pet. 615, 10 L.Ed. 1060.]

260, 262 Modify data in Box B as follows:

John Henry Doe
Post Office Box 9999
Los Angeles, CA 90010

260 Modify data in Box 7c as follows:

Post Office Box 9999 Los Angeles CA 90010
8
260 Modify data in Box 8 as follows (revisions in bold):
Secured party herewith executes a full assignment of collateral, i.e. all of debtor's
assets, land, and personal property, and all of debtor's rights in said assets, land, and
personal property, now owned and hereafter acquired, now existing and hereafter
arising, and wherever located, described fully in Security Agreement No. JHD-27AX in
favor of assignee, new secured party of record, John Henry Doe. Inquiring parties may
consult with debtor directly for ascertaining, in detail, the financial relationship between
debtor and new secured party of record, identified in security agreement referenced
above.

262 Modify data in Box 8 (and Box 13 if length of text requires it) as follows (revisions in bold):
All of debtor's assets, land, and personal property, and all of debtor's rights in said
assets, land, and personal property, now owned and hereafter acquired, now existing
and hereafter arising, and wherever located, described fully in Security Agreement No.
JHD-050690-SA dated the Sixth Day of the Fifth Month in the Year of Our Lord One
Thousand Nine Hundred Ninety, in favor of assignee, new secured party of record,
John Henry Doe. Inquiring parties may consult with debtor directly for ascertaining, in
detail, financial relationship between debtor and new secured party of record, identified
in security agreement referenced above. Adjustment of this filing is in accord with UCC
§§ 1-103, 1-104, and House Joint Resolution 192 of June 5, 1933. Secured Party
accepts Debtor's signature in accord with UCC §§ 1-201(39), 3-401.

271 See revised version of “Handling Presentments – Instructions” for additions/updates/corrections.

287 Replace “…as signified by” with “…, subscribed with…” in fifth line of fourth paragraph.

288 Replace “…as signified by” with “…, subscribed with…” in sixth line of first paragraph.

290 Immediately before “John Henry Doe” in “Words Defined – Glossary of Terms, insert the
following:
JOHN H. DOE. In this Notice by Written Communication the term “JOHN H. DOE” means JOHN H. DOE©,
a derivative of JOHN HENRY DOE©, Common Law Copyright ©1973 by John Henry Doe©. All Rights
Reserved.

295 In uppermost, left-hand corner insert military-style name and address of debtor:
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222

295 Replace “…as signified by” with “…, subscribed with…” in next-to-last line of second paragraph
and sixth line of third paragraph.

376 Update Florida contact data as follows:

Florida UCC Inc. Phone: (850) 222-8526
P.O. Box 5588 Website: www.dos.state.fl.us/doc/fawucc.html
Tallahassee, FL 32314 Email: corphelp@mail.dos.state.fl.us

9
 Cracking the Code Third Edition

Errata/Revisions
(December 27, 2002 –New Entries in Red)
Page Correction/Revision

iii (Copyright Notice/Security Agreement) The phrase “interest in property,” which appears
numerous times in this document (and throughout the book) should be “rights in property”

xx Footnote 5: “How to Sign Your Signature When Demanded” should be “How to Sign Your
Signature Without Liability”

5 5th paragraph, 1st line (and elsewhere throughout the book) “true name” should be “True
Name”

12 Quote from Burt’s Latin-English Dictionary in middle of page: “appellat o” [sic] should be
“appellatio”

13 2nd paragraph, 1st line: “appellat o” [sic] should be “appellatio”

43 Last paragraph, 2nd line: second instance of “§ 6125” should be “§ 6002”

57 Delete last sentence of Footnote 52

65 Replace last sentence of first paragraph with the following:

The U.S. Government is a bankrupt front operation for these miscreants, propped up
for no other reason than to financially bilk and politically (militarily) subjugate any
and all who mistakenly “do business” with it.

68 1st paragraph, 3rd line (and elsewhere on the page), “HOEVLER” should be “HOEVELER”

195 Replace paragraph “III.A.” with the following:

A. Manner of dating the document. The date of the Copyright Notice is reflected in
the date of another document cited within the Copyright Notice called the “Hold-
harmless and Indemnity Agreement,” and is spelled out common-law style, e.g.
“The Sixth Day of the Fifth Month in the Year of Our Lord One Thousand Nine
Hundred Ninety,” the common-law designation for May 6, 1990 (done so for
removing the document from the statutory dating system, which is also an
indication of grant of jurisdiction, however slight). The numerical designation of
the number of the Hold-harmless and Indemnity Agreement would also match up
with this date, e.g. “JHD-050690-HHIA,” i.e. [Redemptor’s INITIALS]-[MMDDYY]-
[DOCUMENT INITIALS]. [Note: The date of the sample Hold-harmless and
Indemnity Agreement on page 239 matches up with the Family Copyright Notice,
not the Single Copyright Notice.]

1
196 Replace last sentence of 1st paragraph with the following:
All events implied within the Copyright Notice must come before the cited date of the
Hold-harmless and Indemnity Agreement (Private Agreement and Security
Agreement have the same date).

196 2nd paragraph, 7th line, “copyright” should be “Security Agreement”

198 & 199 Replace the term “interest” with “rights” in the following places:
? Under “Self-executing Contract/Security Agreement in Event of Unauthorized Use”:
paragraph “(1),” 2nd line; paragraph “(2),” 5th line; and paragraph “(4),” 4th line;
? Under “Default Terms”: modify both 3rd and 9th lines, to read “rights in property”;
? Under “Terms for Curing Default”: 2nd line and 5th line; and
? Under “Terms of Strict Foreclosure”: 4th line.

199 Under “Default Terms,” 3rd line: delete “and property”

200 & 201 Replace the term “interest” with “rights” in the following places:
? Under “Self-executing Contract/Security Agreement in Event of Unauthorized Use”:
paragraph “(1),” 3rd line; paragraph “(2),” 5th line; and paragraph “(4),” 4th line so it reads
“rights in property”;
? Under “Default Terms”: 3rd line and 9th line;
? Under “Terms for Curing Default”: 2nd line and 4th line; and
? Under “Terms of Strict Foreclosure”: 4th line.

200 & 202 Replace third-from-last sentence with:

“Ownership subject to copyright of common-law trade-name/trade-mark and security agreement and
UCC Financing Statement filed with the UCC filing office.”

201 Under “Terms for Curing Default ,” add the bolded portion of the text below as follows:
“Upon event of default, as set forth above under “Default Terms,” irrespective of any and all of User’s
former property and rights in property, described above in paragraph “(2),” in the possession of…”

220 Last paragraph, last line, replace “FIRST NAME” with “MIDDLE NAME”

222 Under “14 (a),” “Standard filing,” in the 1st line of the quoted text replace “interest” with
“rights”

222 Under “14 (b),” “Cross-filing”: in the 1st line of the quoted text replace “interest” with
“rights”

223 Paragraph 20, 2nd line: replace “5” with “4”

238 Boxed-in legal citation (quote) under “Non obstatnte” should be under “Living, breathing,
flesh-and-blood man” (as it appears on page 240)

2
271 – 286 See revised version of “Handling Presentments – Instructions” for additions/updates/corrections

287 In uppermost left-hand corner of page (header), replace

“DOE, JOHN HENRY©
“P.O. Box 9999, Los Angeles, CA 90010”
with
“MITCHELL, LAWRENCE D.
“9500 Wilshire Boulevard, Beverly Hills, CA 90212”

287 In upper right-hand corner of page, replace “U.S.P.O.” with “U.S.P.S.”

287 – 291 When referencing the common-law copyrighted trade-name, replace “trademark” with
“trade-mark” throughout the document

288 Replace “interest” with “rights” as follows:

? Paragraph “(1),” 1st line;
? Paragraph “(2),” 3rd line from end;
? Paragraph “(4),” 3rd line;
? Paragraph “(9)(b)(i),” 1st line;
? Paragraph “(9)(b)(iii)” 4th line;
? Paragraph “(9)(c),” 2nd line and last line; and
? Paragraph “(9)(d),” 3rd line.

290 Replace first sentence of first paragraph with:

“Ownership subject to copyright of common-law trade-name/trade-mark and security agreement and
UCC Financing Statement filed with the UCC filing office.”

291 Boxed-in legal citation (quote) under “Sentient, living being” goes under “Living, breathing,
flesh-and-blood man”

291 Last line before signatures: add superscripted copyright symbol (©) after “Doe”

294 Replace “Post Office” with “Postal Service” in middle section

295 Under title of document, replace “U.S.P.O.” with “U.S.P.S.”

295 – 308 When referencing the common-law copyrighted trade-name, replace “trademark” with
“trade-mark” throughout the document

297 Replace second-from-last sentence in first paragraph with:

“Ownership subject to copyright of common-law trade-name/trade-mark and security agreement and
UCC Financing Statement filed with the UCC filing office.”

300 In second line of paragraph “3,” replace “also known as an” with “accompanied by.”
3
309 In uppermost left-hand corner of page (header), replace
“DOE, JOHN HENRY©
“P.O. Box 9999, Los Angeles, CA 90010”
with
“MITCHELL, LAWRENCE D.
“9500 Wilshire Boulevard, Beverly Hills, CA 90212”

311 Paragraph “9” should be paragraph “8”; renumber accordingly from that point on

311 – 312 In paragraphs 5 – 11, repla ce “for using” with “to use”

312 Paragraph 18, 1st line: “and any” should be “any and”

313 Paragraph immediately following paragraph 21:

? 1st line: replace “rebutting” with “to rebut” and add superscripted copyright symbol after
“Doe”; and
? Next to last line: replace “defendant” with “default.”

313 Last paragraph before date, 1st line: delete “Common Law trade-name/trademark, copyright
© 1973”

314 2nd line: replace “November 12, 2001” with “March 25, 2002”

358 3rd paragraph from bottom: delete entire paragraph

4
 Handling Presentments –
Instructions
I. Introduction.

A. Understanding presentments. The dictionary definition of presentment concerns both

criminal matters and financial matters, and descriptive terms within the definition of each
type are synonymous for the most part. Presentments fall into two categories, demands
for payment and demands for acceptance (of responsibility for payment/performance),
defined as follows:

? “A formal written accusation returned by a grand jury on its own initiative, without a
prosecutor’s previous indictment request.

“A grand jury has only two functions, either to indict or to return a ‘no bill.’ The
Constitution speaks also of a ‘presentment,’ but this is a term with a distinct
historical meaning now not well understood. Historically presentment was the
process by which a grand jury initiated an independent investigation and asked that a
charge be drawn to cover the facts should they constitute a crime. With United States
attorneys now always available to advise grand jurie s, proceeding by presentment is
now an outmoded practice. Charles Alan Wright, Federal Practice and Procedure §
110, at 459 (3rd ed. 1999).” Black’s Law Dictionary, Seventh Edition (1999)
hereinafter “Black’s 7th.” (Bold emphasis added)

? “The formal production of a negotiable instrument for acceptance or payment.

“Presentment and dishonor occur, for instance, when the holder of a check attempts
to cash it at the drawee1 bank but payment is refused because the drawer lacks
sufficient funds on deposit. The demand for payment is the presentment. The
bank’s refusal to pay is dishonor. James J. White & Robert S. Summers, Uniform
Commercial Code, § 16-8, at 100 (4th ed. 1995).” Black’s 7th. (Bold emphasis
added)

? “Presentment is a demand for acceptance or payment made upon the maker, acceptor,
drawee or other payor by or on behalf of the holder. U.C.C. § 3-504(1).” Black’s Law
Dictionary, Sixth Edition (1990), hereinafter “Black’s 6th.” (Bold emphasis added)

In criminal matters, a bill, i.e. charges (like financial charges), in the form of a formal
written accusation of a crime called an indictment (presentment), is presented to a court
(by the prosecutor) for prosecution. A true bill is a list of charges that is sworn “true,
correct, and complete” (affidavit) by a grand jury. Based on the sworn charges of the
grand jury, the prosecutor is indemnified for whatever action he takes based thereon.
The prosecutor then draws up his own presentment, called a criminal complaint, based
on the indictment (true bill) and demands that the named party accept responsibility for
the charges.
1
Drawee: One to whom a bill of exchange or a check directs a request to pay a certain sum of money specified
therein. In the typical checking account situation, the bank is the drawee, the person writing the check is the maker
or drawer, and the person to whom the check is written is the payee. Barron’s Law Dictionary, Third Edition, 1991.

Handling Presentments – Instructions Page 1 of 21 Rev. Oct. 2002

 Because of the U.S. bankruptcy and the institutionalization of fiat (“by decree”) money
called Federal Reserve Notes, “FRNs,” there have been commensurate changes in the
realm of jurisprudence. American tribunals are now “Federal-Reserve-Note tribunals,”
dealing exclusively in FRNs and enforcing the private, copyrighted, corporate policy of
the owners of the FRNs, known as “Code” (all U.S. code/law is copyrighted by British
corporations—see Footnote 13 on page 41 of “The Truth About Esquires,” for details).

Notice in the quoted case under the first definition above that because of the influence
of United States Attorneys, “proceeding by presentment [of the grand jury] is now an
outmoded practice.” We now operate in “summary proceeding” in the vast majority of
legal undertakings in America, traffic court being the most common:

“Summary proceeding. Any proceeding by which a controversy is settled, case disposed

of, or trial conducted, in a prompt and simple manner, without the aid of a jury, without
presentment of indictment, or in other aspects out of the regular course of the common
law. Black’s Law Dictionary, First Edition (1891), hereinafter “Black’s 1st.” (Underline
emphasis added)

A “demand for acceptance” is a demand for acceptance of responsibility (for payment,

or for performance of some act, and may also entail payment of some kind at a later
date). A traffic ticket is a combination criminal/financial instrument. The traffic cop
issues an order and the motorist makes a promise. Negotiable instruments consist
strictly of orders to pay and promises to pay—and traffic tickets are negotiable
instruments. The cop issues an order for acceptance (of responsibility to pay) against
the credit of the TRADE NAME, and the motorist signs a promise to (accept
responsibility for the charge, and) appear (and, if necessary, pay the ticket). If the
motorist fails to accept responsibility for the ultimate payment of the ticket at any point in
the process, he is arrested and jailed (put in debtors’ prison). When anyone in
government demands that you accept responsibility to perform some act, he is issuing a
presentment, concerning which there are monetary charges associated with a failure to
perform said act. Presentments come in oral, written, and electronic form; acceptance
of any presentment executes a contract.

In the private sector, presentments usually come from attorneys, but since all attorneys
are officers of the state, 2 we are faced with essentially the same situation. The court
system would not be a profitable enterprise without attorneys, who are endowed with a
special “property right” (right to practice law), granted a title of nobility (esquire) via
letters patent, 3 and elevated above “common men” (fees enforced by judicial decree,
win or lose), in exchange for bird-dogging “customers” into the courtroom.

In order to issue a presentment, a prospective issuer must have an account, where a

charge can be lodged. For example, if police cannot determine the TRADE NAME of a
detainee (party held for questioning) within a brief period of time they must release him.
The TRADE NAME is the account name under which a sovereign conducts business—

2
“An attorney is an officer of the court, and as such, an officer and arm of the state.” 7 Corpus Juris Secundum 4,
Virgin Islands Bar Association v. Dench, D.C. Virgin Islands, 124 F. Supp. 257.
3
“Letters patent, an open document under seal of the government, granting some special right, authority, privilege,
or property, or conferring some title…” A Standard Dictionary of the English Language, Funk & Wagnalls
Company, 1903.

Handling Presentments – Instructions Page 2 of 21 Rev. Oct. 2002

 albeit unwittingly. The TRADE NAME, as well as the true name, comprises property.4
Registration of your TRADE NAME (via birth, etc.) constitutes the voluntary surrender of
legal title/custody of the property and establishment of an account. When a government
actor says, “May I have your name, please?” he is literally asking you to turn over your
property, the TRADE NAME, for him to use however he pleases, and to charge the
account. 5 The flesh-and-blood man, as surety for the party in whose name the account
appears, is held accountable for any charges leveled against the TRADE NAME.

The reason criminal and financial charges seem to run together, overlap, and mirror the
other is that they are both commercial 6 in nature. This is the admiralty jurisdiction
mentioned in Part I (Theory) of this manual. In admiralty, the military (the executive
branch, in its many forms) is used to enforce criminal penalties for civil offenses. The
moneychanger-merchants have foreclosed on the U.S. Government and use it liberally,
via the chief executive to prosecute their own private commercial interests. We are
under military rule, literally by the commander-in-chief of the military, not the president.7

A primary reason for the broad appeal and workability of the common law is that each
man is in control of his own destiny in the social scheme: as long as he does not harm
another—and thereby form a contract with an obligation—he is free to live his life as he
sees fit, without interference from government. These days, however, people are
penalized for an act even when no one is harmed and no property is damaged, e.g.
traveling at 35 miles per hour in a 30-miles-per-hour zone. The police power is thereby
employed for penalizing behavior (such as “thought crimes”)—not acts and deeds of
substance—for the purpose of raising revenue.

When someone violates his own sense of moral rightness in his conduct as a member of
society, no matter how justified, he is weakened under the police power of the state.
For this reason, it is a good idea to reassess your life as you embark on this stage of the
journey and begin using and relying on the power of the documents and processes
offered herein—which is formidable—and make sure that you are giving yourself the
best chance for a worry-free existence. Betraying your own sense of fair play is the
quickest way to undermine all progress. In the end, it is your own sense of decency,
ethical behavior, and honest interaction with others that determines your fate. Just by
trying to do the right thing on a moment-to-moment basis brings about clarity of
perception not otherwise available, and can easily turn out to be your saving grace in a
time of need.

These documents are all based on the power of the common law, private property
rights, and consensual contracts, and are enormously successful in crushing assaults
on your fiscal integrity. Their efficacy has been acknowledged at both the lowest and
very highest levels of government in this country. They have changed the course of
every proceeding in which they were introduced, including criminal cases where the
accused was already convicted. That is because the common law still exists and is in

4
Because of the disappearance of substance money—where each man is accountable and there is no private “limited
liability”—we now have a mutant financial system that runs strictly on accounting principles, because all “money”
is artificial (no substance/reality, as with gold) and debt can no longer be extinguished, but merely “discharged.”
5
See “Letter for State Registrar re Birth Certificate” in Appendix for one approach to thwart governmental
monopolization of the use of your name, both True Name and TRADE NAME, in forming accounts.
6
See “Crime is Commerce,” 27 CFR 721.11, in Appendix.
7
See subsection entitled “Co-Suretyship Obligations Incurred Via Acceptance of Free Delivery of Mail” in Section
3, “The Curse of Co-Suretyship.”

Handling Presentments – Instructions Page 3 of 21 Rev. Oct. 2002

 full force—it has just been covered over. People have been so severely hoodwinked
that many do not even believe there is hope of reversing the oppressive, all-engulfing
practices of the system. There is hope. It lies in the common law and in your ability to
maintain in the face of the mendacious 8 bent of Big Brother’s operatives.

B. Scope of presentment-handling documents contained herein. What has taken many

thousands of dedicated collaborators over thousands of years to put into position will not
be fully unraveled in a few hundred pages of exposition—nor do we pretend to be able
to fully accomplish such a feat. We do, however, get results, and consistently, because
our approach is based on the timeless principles of human dignity and interaction as
embodied in, primarily, the common law. The Chosen Masters are not pleased that their
wealth-confiscation and freedom-usurpation machinery can be rendered ineffective, and
even more upset that their own device (the UCC) can be used to victimize them. Even
when you are completely right, a presenter will sometimes go down kicking and
screaming all the way, abusing his influence over the utterly corrupt judicial system and
its army of charlatan-whore esquires to challenge every shred of knowledge about what
you are doing. Because such actors are inherently dishonest, they have weaknesses
that can be exploited.

The documents as offered herein have paved the way for stopping collection activity by
effecting strict (non-judicial) foreclosure against those who would happily swindle you
out of everything you own. However, this manual does not propose to be able to guide
someone through the legal minefields that can arise when one goes to foreclose, but
there are people who can assist when it comes time for finishing off the job. It is one
thing to be able to stop a collection proceeding; it is quite another to foreclose on the
erstwhile “forecloser,” but it can be done. Instructions for such enterprise are not
included herein, however. Please contact UCC Services Group at www.uccsg.com for a
referral when this time arrives.

C. A note on pressure situations and criminal cases. The material set forth herein is private
in nature. There is no attempt to give legal advice of any kind because we are not
licensed to dispense such. This material may be applied, however, in any circumstance
where your private, common-law-copyrighted property is being used for commercial gain
without your authorization. You are the only one who can decide what should be done.
If you are faced with a pressure situation, a demand for a signature, or even a criminal
charge, you can still take action in the non-statutory (non-judicial) realm against the
individual players coming against you, by using the private, contractual, consensual
measures set forth in the items at the end of this Section, beginning on page 18 of these
instructions, under Part VII, “Protecting Oneself in Pressure Situations and Criminal
Proceedings.” One essay in particular, “How to Sign Your Signature Without Liability,”
proves utterly the correctness of what we are doing here.

II. Creating Your Response Documents for Handling Presentments.

A. Demands for acceptance. Such presentments are generally from government agents
and officers, but can also come from attorneys and individuals (“citizen of the United
States” TRADE NAMES), and basically constitute unauthorized use of your common-
law-copyrighted property. Regardless of the fact that there may be potential criminal
penalties and fines associated with the presentment if from a government actor, you

8
Mendacious: Addicted to lying; characterized by deceit; false.

Handling Presentments – Instructions Page 4 of 21 Rev. Oct. 2002

 have the unalienable common-law right to demand and obtain compensation for the
(unauthorized) use of your property as set forth in your published copyright notice. This
is strictly a private matter between you and any party who is using your property for
financial gain without your authorization.

1. “Notice by Written Communication/Security Agreement”. Entitled in non-judicial

terms so as to align with tenets of the Uniform Commercial Code, the “Notice by
Written Communication/Security Agreement,” hereinafter “Notice by Written
Communication,” is recommended for handling presentments that do not demand
immediate payment of money. The document is: self-explanatory; contains no
judicial/statutory jargon; consists of everyday, common-law language; and is written
with a mind toward augmenting the non-judicial foreclosure process of the UCC once
the debtor defaults on payment after being invoiced for charges (in the form of a
“Verified Statement of Account”—see page 309—private equivalent of a grand jury’s
true bill). It is used against those who issue presentments demanding acceptance
(of responsibility for specific performance, or for payment at a later date).

2. Converting sample document. As with all other documents in this manual, there is
no other way to generate your personal Notice by Written Communication on your
own other than by going through the sample document word-by-word, learning as
you go, and replacing John Henry Doe’s information with yours.

3. Mode of sending. We always use Registered Mail, sent “Restricted Delivery,”

“Return Receipt Requested” (PS Form 3811, the “Green Card”), with an Affidavit of
Mailing, exclusively—but (as always) final choice rests with you.

4. Important: Optional text in two segments. There are two versions of “Procedure to
Opt Out of Consensual Contract” on page 2 of the Notice by Written Communication,
and a subsequent segment, entitled “Self-executing Security Agreement.” You will
need to choose between the two options each time a presentment comes your way.
Basically, the first one gives the unauthorized user a quick and easy way out, with no
muss and no fuss, thus ending the confrontation. The second is far more stringent
and really puts the unauthorized user in a pickle, and it is doubtful if he/she will get
out of it. Note: You are not prohibited from adjusting this paragraph however you
see fit, but if you make changes you should be absolutely certain that they do not
contain any statutory/judicial language, and that the parameters that you set are in
harmony with the UCC for non-judicial foreclosure (also known as strict foreclosure).

(a) Simple opt-out procedure (with subsequent “Self-executing” paragraph). The

obligation for payment is no less binding than when a customer looks at the
menu, places an order, and then consumes the meal that is served.
“Procedure to Opt Out of Consensual Contract
“LAWRENCE D. MITCHELL‘S unauthorized use, i.e. counterfeiting, of Secured
Party’s common-law trade-name/trademark and copyright, consensually contractually
binds LAWRENCE D. MITCHELL with Secured Party, as of LAWRENCE D.
MITCHELL‘S initial unauthorized use of Secured Party’s common-law trade-
name/trademark and copyright, in respect of fair compensation due Secured Party for
use of Secured Party’s private property. LAWRENCE D. MITCHELL can opt out and
withdraw from LAWRENCE D. MITCHELL‘S consensual contract with Secured Party
and retain no obligation associated therewith only by immediate cessation of any and all
further unauthorized use of Secured Party’s common-law-copyrighted property.
Handling Presentments – Instructions Page 5 of 21 Rev. Oct. 2002
 “Self-executing Security Agreement
“By the act of any single instance of unauthorized use of Secured Party’s common-
law-copyrighted property by LAWRENCE D. MITCHELL following LAWRENCE
D. MITCHELL‘S receipt of this Notice by Written Communication, LAWRENCE D.
MITCHELL, hereinafter ‘User’ only in this ‘Self-executing Security Agreement’-
section, accepts the obligation of this consensual contract, this Notice by Written
Communication concomitantly becomes a security agreement, hereinafter “Security
Agreement,” wherein User is Debtor and John Henry Doe © is Secured Party, and
User:…”

(b) Difficult opt-out procedure (with subsequent “Self-executing” paragraph). The

time period referenced within this segment is the 72-hour, Regulation-Z, Federal-
Truth-in-Lending-Act period that is initiated when someone voluntarily incurs an
obligation. The party has 72 hours from midnight of the day after execution of
the transaction to back out of the deal (see Truth in Lending Act in Glossary for
the Act in pertinent part):
“Procedure to Opt Out of Consens ual Contract
“LAWRENCE D. MITCHELL‘S unauthorized use, i.e. counterfeiting, of Secured
Party’s common-law trade-name/trademark and copyright consensually contractually
binds LAWRENCE D. MITCHELL with Secured Party, as of LAWRENCE D.
MITCHELL‘S initial unauthorized use of Secured Party’s private property, in respect
of fair compensation due Secured Party for use of Secured Party’s private property.
LAWRENCE D. MITCHELL can opt out and withdraw from LAWRENCE D.
MITCHELL‘S consensual contract with Secured Party and retain no obligation
associated therewith only by LAWRENCE D. MITCHELL‘S delivery, at the
hereinabove designated mailing location for Secured Party no later than 12:01 A.M.
of the fifth (5th) day following LAWRENCE D. MITCHELL‘S receipt of this Notice
by Written Communication, of any and all original instruments, documents, and
records in any form of recorded media whatsoever in LAWRENCE D. MITCHELL’S
possession/containing LAWRENCE D. MITCHELL’S signature, as well as any and
all copies of all such originals in any form of recorded media whatsoever in
LAWRENCE D. MITCHELL’S possession/containing LAWRENCE D.
MITCHELL’S signature, containing any counterfeit version of either of: (1) Secured
Party’s private, common-law-copyrighted trade-name/trademark, i.e. JOHN HENRY
DOE©; (2) Secured Party’s private, autograph-common-law-copyrighted property, i.e.
John Henry Doe ©.
“Self-executing Security Agreement
“Absent LAWRENCE D. MITCHELL‘S surrender of all original instruments,
documents, and records in any form of recorded media whatsoever, as well as all
copies of any such original in any form of recorded media whatsoever, in
LAWRENCE D. MITCHELL’S possession/containing LAWRENCE D.
MITCHELL’S signature, containing any version of any of Secured Party’s common-
law-copyrighted property, as set forth above under ‘Procedure to Opt Out of
Consensual Contract,’ LAWRENCE D. MITCHELL, hereinafter ‘User’ only in this
‘Self-executing Security Agreement’-section, accepts the obligation of this
consensual contract at 12:01 A.M. of the fifth (5th) day following User’s receipt of
this Notice by Written Communication, this Notice by Written Communication
concomitantly becomes a security agreement, hereinafter ‘Security Agreement,’
wherein User is Debtor and John Henry Doe © is Secured Party, and User:…”

Handling Presentments – Instructions Page 6 of 21 Rev. Oct. 2002

B. Validation of debt package: “Respondent’s Private, International, Administrative Remedy
Demand”. Presentments demanding payment are the most common because the
current financial system is expressly designed to generate defaults, foreclosures, and
bankruptcies. “Civilization” is on a conveyor belt to Hell, courtesy of the instigator-
owners of the duplicitous banking system. Using government agents called “attorneys
at law,” people are sitting ducks against the might of the state as concentrated in the
judge-attorney Brotherhood. There are a few Achilles’ heels, however, and
“Respondent’s Private, International, Administrative Remedy Demand,” hereinafter
“Administrative Remedy Demand,” exploits one of them.

1. Loans of credit. Credit lenders flourish only because of interest payments: the
“borrower” is always the source of the principal amount of any alleged loan by virtue
of his “promise to pay” (promissory note, credit application), which becomes a
negotiable instrument, i.e. “money,” per UCC 3-104, which the credit lender then
converts into another form (bank draft, cashier’s check)—in accordance with Federal
Reserve “lending” policies—and reissues, calling it the “loan.” This is strictly an
accounting procedure: the bank loans nothing of substance, indeed is forbidden to
loan true assets of any kind by banking regulations. This can all be verified with any
certified public accountant.

Credit lenders do not profit from the principal loan amount, only the interest. This is
why on many loans, and in all mortgage contracts, the “borrower” makes payments
on interest-charges only for the first many years. This is all gravy for credit lenders.9
The principal amount never comes into play for the financial institution because that
sum is always the property of the “borrower,” and remains so till the end of the cycle,
even if the so-called “loan” is never paid off. “Loans” that end in default are simply
charged off, i.e. discharged by bookkeeping entry, with no loss incurred by the
bank—which is the precise reason that the techniques delineated in this Section are
effective in nullifying demands for payment from debt collectors: no risk in the loan
process = no valid claim. Banks, mortgage companies, and credit card companies
lend only credit: from the Latin credere: believe, trust. Credit lenders believe in you
and trust that you will make all interest payments as you have been “legally”
suckered into. The entire American financial system, engineered and developed into
its current state over the last 2,000+ years by the Chosen Masters,10 is an exercise
in deceit and treachery of incomprehensible magnitude, predicated on the willful and
wanton wholesale destruction of the life of one and all and the peace and dignity of
mankind based on the worship of money (wealth, mammon) and a psychotic impulse
to subjugate and dominate the existence of all others.

2. Fair Debt Collection Practices Act (FDCPA). Per the Act, as codified at 15 USC
§1692 et seq.,11 and as abundantly pointed out within Administrative Remedy
Demand, a debt collector 12 must, if requested, provide a verification of the alleged
debt, i.e. validate the debt. Per FDCPA, the debt collector is mandated to cease all
collection activity until verification is provided.

9
On a limited basis, bankers generally make more money during holidays when the bank is closed than when the
bank is open because there is much less overhead, and interest charges continue accruing seven days a week.
10
See Section 2, “The Truth About Esquires,” beginning at the segment entitled “An Indispensable Tool of the
Chosen Masters” on page 59, through “Masters of Commerce and Law,” which ends on page 64.
11
Et seq.: An abbreviation for et sequentia, “and the following.” Thus a reference to “p. 1, et seq.,” means “page
first and the following pages.” Black’s 1st .
12
As defined in FDCPA, a debt collector is one who is collecting a debt for another.

Handling Presentments – Instructions Page 7 of 21 Rev. Oct. 2002

 (a) Verification/Validation. Verification is defined as:

“Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition.

Affidavit of truth of matter stated and object of verification is to assure good faith in
averments or statements of party.” Black’s 6th.

What this means is, the debt collector must swear “true, correct, and complete”
(equivalent of “the truth, the whole truth, and nothing but the truth,” i.e. testimony)
that verifies exchange of valuable consideration that allows the debt collector to
demand payment. A sworn affidavit that simply verifies “all balances due,” cites
that “correct billing procedures were followed,” and other such poppycock is
irrelevant. The debt collector must verify the consideration (substance) provided
the alleged debtor that validates the debt collector’s claim of debt. Since the
alleged debtor received no consideration from the debt collector (and likewise
from the original creditor), the debt collector is foreclosed from truthfully claiming
such in a sworn affidavit. This is why IRS prosecutes for Failure to File an
Income Tax Return: a sworn Form 1040 is a validation of the debt. IRS is a debt-
collection agency. IRS cannot substantiate any debt unless IRS has a sworn
statement from the taxpayer that validates the debt.

As cited above, banks do not loan substance, only credit (air). No third-party-
debt-collector attorney, and no other debt collector, has any knowledge of a loan
of substance (valuable consideration); hence such are foreclosed from issuing a
counter-affidavit of any relevance. The system is fraudulent by nature, and
cannot be made legitimate by false affidavit. The truth is, the only one who can
validate a debt is the borrower.

(b) Parties exempted from FDCPA. Government officials (IRS personnel are not
government officials) and in-house debt-collection personnel of an original
creditor are exempted from FDCPA. However, per public policy as codified
House Joint Resolution 192 of June 5, 1933, no one can require payment in “a
particular kind of coin or currency.” I.e. no one can require payment in Federal
Reserve Notes, “FRNs,” including government collectors and original creditors.
This is why you find the statement, “MUST BE PAID IN U.S. FUNDS,” on parking
tickets and other demands for payment: there is more than one kind of “U.S.
FUNDS.” If FRNs were the only kind of “U.S. FUNDS,” the statement would read
“MUST BE PAID IN FEDERAL RESERVE NOTES,” but this is not the case. If
your signed promissory note (negotiable instrument; “U.S. FUNDS”) can be used
to fund a so-called “loan” from the bank at the beginning of the process, it is no
less legitimate a source of funds at a later point in the cycle. So, even though
government officials and in-house collection personnel of an original creditor are
not required to validate the debt, per public policy any bona fide negotiable
instrument discharges a debt. The usefulness of the “Certified Promissory Note”
on page 304 should be coming into focus.

Many times the corporate entity seeking to collect the debt will have a name that
bears similarity with that of the original corporate creditor, which is exempt from
FDCPA. If the name of the collector’s principal is not the exact same name as
that of the original creditor, you are dealing with a different corporate entity—a
debt collector who is bound by the provisions of FDCPA. If you are uncertain if it
is the original creditor demanding payment, go ahead and treat any such

Handling Presentments – Instructions Page 8 of 21 Rev. Oct. 2002

 personnel as a debt collector (in your written communication). Tender of payment
is rendered no less valid even if one is dealing with the original creditor.

3. Other avenues of attack. As well as the impossibility of providing a bona fide

verification of the debt, debt collectors are hit with other constraints besides FDCPA:

(a) Privacy Act of 1974, as lawfully amended, 12 U.S.C. § 3401;

(b) Right To Financial Privacy Act of 1978, as lawfully amended, 5 U.S.C. § 552a;
and

(c) Third Party Summons Act, special procedures, 26 U.S.C. § 7609.

4. Line-up of component documents within the Administrative Remedy Demand. The

package is a combination of documents of many avenues of attack, any one of
which is sufficient to stop the entire proceeding:

(a) Internal “Notice by Written Communication”. Same Notice by Written

Communication used with demands for acceptance, except that:

(i) It is specially enclosed in its own box within the Administrative Remedy
Demand, and therefore legally separate from the main document; and

(ii) Secured party is the author, not the debtor-TRADE NAME (as with the other
documents), recipient incurs a $500,000.00 unauthorized-use fee for each
and every subsequent use of the name after having been noticed (enough
encouragement to cease all further communication in itself); and

(iii) The Privacy Act Notice further restricts options for the debt collector.

(b) Notice of Tender of Payment. Gives official notice that payment has been
tendered. See (d)(ii) immediately below for customizing certain data.

(c) Sworn Offer of Performance. Tells debt collector that if debt collector can prove
that the debt exists, i.e. verify/validate the debt, debt collector may retain the
accompanying payment submitted in the form of a Certified Promissory Note
(bona fide negotiable instrument, per UCC 3-104). See 4(d)(ii) immediately
below for customizing certain data within this document.

(d) Certified Promissory Note. Fulfills the legal definition of a negotiable instrument
per UCC 3-104 and discharges any alleged debt, if said alleged debt is
verified/validated (which it is not). This is merely a “promise to pay” and not a
sight draft, forged document, bogus instrument, etc.

(i) If possible, use “certificate paper” to print up the Note; and

(ii) Find debt collector’s internal data appearing on the presentment and plug
these data into the Note. Examples are “Alleged Market Code,” “Alleged ‘Our
File No.,’” “Alleged FHA Case,” “Alleged Loan No.,” etc. In other words,
customize the Promissory Note, and the other two documents within this
package that mention same (i.e. 4(b), Notice of Tender of Payment, and 4(c),
Offer of Performance, immediately above) using the data contained within the
presentment.

Handling Presentments – Instructions Page 9 of 21 Rev. Oct. 2002

 (e) Sworn and witnessed Verification of Tender of Payment. Proof of tender of
payment. Under public policy (House Joint Resolution 192 of June 5, 1933), a
debt is discharged upon tender of payment, even if it is not accepted. 13

(f) Debt Collector Disclosure Statement. Contains numerous lawful requests for
information, all of which debt collector is obligated to provide, any one of which
can invalidate debt collector’s attempt to collect on his bogus claim.

III. Sending Your Written Communication.

A. Selecting the correct party to receive your written communication.

1. Re computer printouts. We do not recommend corresponding with computers, but it

is important to respond. If you get a computer-generated presentment, call up the
sender organization, feign a cooperative attitude, and find someone who will either
admit that he/she sent you the computer print-out, or will issue another with his/her
name on it. If you have no name, use the appropriate senior executive within the
organization. Hopefully you will not see many of these.

2. Notice by Written Communication. Goes to:

(a) Any party (governmental or non-governmental) demanding acceptance (of

responsibility for specific performance/possible payment at a later date—but,
generally, not demanding immediate payment), as well as:

(i) The appropriate senior official/executive over any such party; and

(ii) The principal/employer (e.g. bank, law firm, etc.) of any such party; and

(b) Any government official demanding payment (e.g. county tax assessor
demanding property taxes). Government officials are exempt from the Fair Debt
Collection Practices Act and therefore would not be sent a “Validation of Debt”
package (see paragraph “3” below). IRS personnel, however, are not
government officials, do not enjoy such immunity, are not so-exempted, and
therefore would be sent a “Validation of Debt” package. In the case of a bona
fide government official demanding payment, send a Notice by Written
Communication along with the normal attachments, plus the following:

(i) “Offer of Performance” (see page 302);

(ii) “Certified Promissory Note” (see page 304); and

(iii) “Verification of Tender of Payment” (see page 305); and

(c) Any appropriate senior official/executive over, as well as the principal/employer

of, any party who is sent a “Validation of Debt” package (below).

3. “Validation of Debt” package—the Administrative Remedy Demand. Used to handle

non-government and non-in-house collection personnel demanding payment for
loans of credit and other unsubstantiated, non-governmental debt of some type, e.g.
income taxes—as long as you have not already inadvertently validated the debt by
sworn statement.
13
For exposé on “money” and discharge of debt, see House Joint Resolution 192 of June 5, 1933 in Glossary.

Handling Presentments – Instructions Page 10 of 21 Rev. Oct. 2002

 (a) Proper usage. This package will not work when a creditor has given you
substance in exchange for your promise to pay; only credit. An example of this is
buying a used car from a dealer who does not use an outside creditor, but carries
the paper himself. He can validate the debt because he personally gave you
substance. If the same dealer were to obtain financing for you from a credit
lender who later attempted strict foreclosure, the so-called “credit lender” could
be defeated—because he incurred no risk of loss in the transaction; only the
“loss” of anticipated gain (invalid claim).

(i) Important note on auto loans. Contemporary auto loans are issued with the
proviso that the “lender” can take the car (strict foreclosure) if you fail to make
payments as agreed. However, if you loaned the car, are out of town (but not
out of the state) on business, vacation, etc.14 they have no way to enforce this
clause (they can only sue for the alleged balance, plus costs and attorney
fees). It is a good idea to keep this in mind until the matter is concluded—
because they will swipe the car if given half a chance, thus forcing you to deal
with their tag-team partners down at the local courthouse if you want to get
the car back without forking over Federal Reserve Notes.

(b) You are current on your payments, but want to terminate the loan anyway. In
this circumstance you can call in and ask for a “payoff balance.” Written
notification of a payoff balance is not a presentment (not a demand), but can be
used to ascertain a correct dollar-figure. Request a payoff balance that is good
until a certain date (2 – 3 weeks from date requested). Inform the agent that you
need the balance in writing (not verbally), and you need someone to verify the
figure because you do not want them coming back afterwards and saying, “Oh,
there is this other charge we forgot to mention,” etc. Just tell him you need
written verification by a responsible party that the payoff balance is accurate. He
should have no problem complying.

(i) Correct recipient for sending in payoff balance. Even though you have a
verified payoff balance, the sender will generally not know what to do with the
Certified Promissory Note. However, there is another officer that is well
acquainted with such: the head of the collection department. For this reason,
it is best to send your package to the head of the collection department.
Since a payoff balance is not a presentment, re-word pertinent mentions of
“Presentment” to read “Written Communication.”

(c) Behind on payments; threats of foreclosure. Even in extreme circumstances,

credit lenders like to refrain from sending out actual presentments. They
especially like to withhold the name of the agent sending the correspondence,
instead using the name of the principal (the name of organization, a generality), a
department within it, etc., instead of that of the flesh-and-blood man/woman. The
purpose is to get you into the eleventh hour and then bring in a government
agent, i.e. an attorney, to finish you off. Use any available written communication
(presentment, monthly statement, etc.) and request validation the debt. If an
outside attorney/law firm threatens to sue/sues on behalf of an alleged creditor, it
is safest (in case the collector is also the original creditor) to send the
attorney/law firm its own VOD Package, with a new promissory note and debt-

14
The “lender’s” inability to locate the car does not automatically constitute fraudulent concealment of collateral.

Handling Presentments – Instructions Page 11 of 21 Rev. Oct. 2002

 validation request. All collection activity must cease—at least according to the
Fair Debt Collection Practices Act—until said validation is provided. However,
shyster judges and attorneys do not like being told that they can no longer pillage
and plunder as they have for their entire career, and may try other tactics to get
you to trip up. Keep putting their nose back into the validation.

(d) Courts and attorneys that ignore the FDCPA requirement to validate. This issue
cannot be addressed in this manual because neither we, nor the publisher, are
licensed to practice law and, accordingly, do not give out legal advice. However,
if you run into such a situation, the folks at www.uccsg.com may be able to
recommend a consultant that can assist you.

IV. Preparing Your Package for Transmittal.

A. Copyright notations. Please always consult sample filings for proper display of copyright
notations for both True Name© and TRADE NAME ©. Each time either name appears
within your documents (except in entry-designations in the “Glossary of Terms”) it
should always be qualified with one of the following:

1. Superscripted copyright symbol. The symbol, i.e. “©,” is touching the last letter of the
surname for both True Name© and TRADE NAME© when not set in quotes.

2. Quotation marks. True Name© and TRADE NAME© should be set in quotation
marks when the superscripted copyright symbol is not used;

B. Signatures. Closely follow sample documents when applying a signature. Vital note re
all signatures: see “How to Sign Your Signature Without Liability” in this Section.

1. True Name ©. More closely approximates who you are than TRADE NAME; always
sign in red ink (symbolizing the blood of a living, breathing man/woman).

2. TRADE NAME ©. Should always be printed in capital letters, preferably in blue ink for
ease of identifying the original document (black ink can sometimes be
indistinguishable from a photocopy without close examination).

3. Witnesses. Have your witnesses sign their normal, cursive (longhand) signature in
blue ink, where needed. Not necessary for your witnesses to have a copyright
symbol with their signature (but nothing prohibiting it either).

C. Attachments. Attach a copy of the following with both the five-page, stand-alone Notice
by Written Communication and the 14-page, Validation of Debt package:

1. Presentment/payoff-balance document (when using a payoff-balance document, be

certain to replace the term “Presentment” with “Written Communication” so the
payoff-balance document is properly identified and not misnamed).

2. Affidavit of Publishing (from the newspaper) of your Copyright Notice.

3. Filed UCC Financing Statement. Re your financing statement, please also note:

(a) There will be more than one financing statement/amendment to be attached if

you have done a cross-filing; and

Handling Presentments – Instructions Page 12 of 21 Rev. Oct. 2002

 (b) For those handling a mortgage situation:

(i) Be certain to use the financing statement filed at county (not state) level; and

(ii) Based on what is at stake, it is not a bad idea to use a certified copy (use the
“Copy Certification by Document Custodian” form) of your filed financing
statement rather than a plain photocopy.

4. Private Agreement.

5. Hold-harmless and Indemnity Agreement.

6. Security Agreement.

D. Debtor name and address notation at top of page. Place debtor’s TRADE NAME,
military style, in top, left-hand corner of page (generally a requirement for inclusion of an
attachment page in a filing).

E. Photocopy entire final stack of signed documents before sending. Once you have fully
assembled the entire package, make a photocopy of everything, staple both sets, place
the original in the envelope for mailing, and file the copy in your records.

F. Registered Mail envelope and mailing. Best procedure for using Registered Mail is
described in the instructions appearing at the top of sample Registered Mail receipt on
page 293. Please read these instructions before sending by Registered Mail.

(a) Return Receipt Requested. Provides a signature and date of receipt of package by
recipient. Proof that the package was received.

(b) Restricted Delivery. Check this box and pay the extra fee. More evidence of full
disclosure on your part and, hopefully, an original receipt signed by the debtor.

(c) Affidavit of Mailing. Proof of the contents of the envelope; an indispensable

component in the process of proving your position and effecting foreclosure on any
unauthorized user. Always have someone do an Affidavit of Mailing in these
matters. Proof that recipient actually received the package is then uncontestable.
Mail the original Affidavit of Mailing; retain a photocopy for your records.

V. How to Deal With Former Creditors After Paying by Promissory Note.

A. Typical responses. There are a couple of typical responses that a former creditor will
give upon receipt of a certified promissory note:

1. Congratulatory letter for paying off the loan;

2. Urgent phone calls, phone messages, or correspondence asserting, demanding, or

pleading that you call them and speak with them immediately.

B. Former obligation is discharged. People can be tricked and conned into unwittingly re-
accepting the obligation if they discuss anything with a former alleged creditor/debt
collector once the promissory note has been tendered. The debt is discharged upon
tender of the instrument; it matters not it is accepted or rejected (see UCC 3-603).

Handling Presentments – Instructions Page 13 of 21 Rev. Oct. 2002

 Typically, the such will seek a telephone conversation to try to convince the former
alleged debtor that the debt must be paid in Federal Reserve Notes, “FRNs.” Per public
policy at House Joint Resolution 192 of June 5, 1933, nobody has any obligation to pay
in FRNs. The promissory note is a negotiable instrument (money) constructed in strict
accordance with the UCC (§ 3-104), and legally discharges the debt. Once tendered,
the debt is discharged. Period.

C. Vital information. There is no good that can come from discussing a former alleged debt
with a former alleged creditor/debt collector after payment has been tendered.

D. Handling phone calls from former creditors.

1. Sample telephone conversation.

Former creditor: Is this JOHN DOE?

John Henry Doe: Who’s calling?
Former creditor: This is JACK from Bank of Texas. Is this JOHN DOE?
John Henry Doe: What’s the purpose of the call?
Former creditor: I need to speak with JOHN DOE about a payment we recently
received on his…
John Henry Doe: I don’t do business over the phone, JACK. If you could put your
questions in writing and send me a letter I would be happy to take a
look at them.
Former creditor: I just want to go over a couple of things…
John Henry Doe: Like I said, I don’t do business over the phone. If you will kindly put
your questions in writing I will have a look at them.
Former creditor: I understand, MR. DOE, but this will only take a few minutes, if I
could just ask you…
John Henry Doe: I’m being as clear as I can, JACK. I only deal with such matters in
writing.
Former creditor: You’ve made that very clear to me MR. DOE, but the thing is your
last payment on the…
John Henry Doe: What is your surname name, JACK?
Former creditor: I don’t give out my last name.
John Henry Doe: Sorry, JACK, but if you’re not willing to tell me who you are I am not
willing to continue this conversation. I’m hanging up now, JACK.
Former creditor: Wait, MR. DOE! Why do you need my last name?
John Henry Doe: Good-bye, JACK.
Former creditor: Wait! Wait! OK, my last name is “JONES.”
John Henry Doe: Home address?
Former creditor: “Home address”? Why do you need my home address?
John Henry Doe: I need to know where to send the bill.

Handling Presentments – Instructions Page 14 of 21 Rev. Oct. 2002

 Former creditor: What bill?
John Henry Doe: The bill for the use of my property.
Former creditor: What are you talking about?
John Henry Doe: I need your address so I can send you a bill for the use of my
property.
Former creditor: Whatever are you referring to, MR. DOE?
John Henry Doe: The name you have been using in this conversation to address me is
private, copyrighted property. So far in this conversation you have
used my property seven different times without my authorization. I
need to bill you for the use of my copyrighted property. I prefer
sending the bill to your home, rather than at the bank. Home
address, please?
Former creditor: You’ve got to be kidding.
John Henry Doe: I’m not kidding, JACK. If you’re not willing to provide your home
address this conversation is over.
Former creditor: You’ll be hearing from us, MR. DOE (“click”).

2. Your objective. Take it as far as necessary to get the caller to hang up. If he gives
you his home address, ask him for his home phone number. If he gives you his
home phone number, ask for his Social Security Account Number, “SSAN”; tell him
that you don’t know who he is and that you need to cross-check all the previous data
he gave you with the SSAN. He will not call you again.

3. Caller’s objective. Someone else might call again at a later time, but it will be the
same story. The debt is discharged and their legal department knows it. They are
only calling for the purpose of trying to persuade you that you can only pay in FRNs.
If you actually mistakenly engaged in conversation with the caller, he/she would try
to make you feel bad and scare you with bogus threats. Anyone who is assigned to
call you after you have sent in such an instrument knows exactly what he/she is
doing and has been briefed on how to get you to pay in FRNs. Handle any such
caller as above and he/she will stop calling.

4. Key points to remember.

(a) Never answer a question;

(b) Never identify yourself;

(c) Never discuss anything that the caller brings up;

(d) Always interrupt if the caller pursues a conversation/questions you after having
been noticed that you don’t do business over the phone;

(e) There is no need to be hostile, but you must be firm and not tolerate any
attempts at getting you into a conversation; and

(f) Do not consent with anything the caller wants. You can even tell him/her that
you do not consent with him/her using your copyrighted property, using your
telephone number, calling you at home, etc.

Handling Presentments – Instructions Page 15 of 21 Rev. Oct. 2002

E. Correspondence urging you to call. The choice is yours, but anyone who uses your
copyrighted property (for profit) deserves a Notice by Written Communication.

F. If you receive a presentment (demand for payment) afterwards. If a follow-up

presentment comes in the mail, you should:

1. Mail the sender (agent) a personalized Notice by Written Communication/ Security

Agreement, and a copy of the served, 14-page Administrative Remedy Demand and
its proof of mailing (Green Card and Affidavit of Mailing); and

2. If you also served the principal with notice of the fees for use of your private
property, you may commence the collection process on the principal using the last
correspondence (presentment or not) as proof of execution of the contract.15 These
instructions begin in part VI immediately below.

VI. Steps to Take After Execution of Consensual Contract by Unauthorized User.

A. How and when the contract is executed. It is vital that you recognize the moment the
presenter/debt collector executes the consensual contract and incurs the obligation. For
this reason you need to be familiar with the everyday language in the “Notice by Written
Communication” that spells out the non-judicial terms of the contract for use of your
common-law-copyrighted property. A presenter/debt collector can voluntarily enter the
consensual contract and incur the obligation in either of the following ways:

1. For both simple- and difficult-opt-out procedure: Any single instance of additional use
of True Name or TRADE NAME for commercial gain after having been noticed;

2. For difficult-opt-out procedure only: Debtor’s failure to surrender all originals and all
copies of any and all records in any form of recorded media (written, electronic,
magnetic tape) containing your common-law-copyrighted property within 72 hours of
midnight the day after debtor was noticed.

B. Steps immediately after presenter/debt collector executes consensual contract.

1. Begin locating debtor’s assets. Your security interest in the debtor’s property is
perfected by filing a UCC Financing Statement at state level, and, in the case of real
estate holdings, at county level. It is best to itemize all of debtor’s property in the
financing statement—and all real estate filings require the legal description of the
property be entered in Box 14 on the Addendum page. Do whatever you can to
begin locating all of debtor’s property as soon as possible (UCC Services Group can
assist you in this task).

2. Generate the “Invoice – Verified Statement of Account”. Immediately upon

presenter’s/debt collector’s execution of the consensual contract, draw up an invoice
to bill your new debtor for the unauthorized use of your property. This is a dollar-
figure calculated by multiplying the total number of uses of your True Name and
TRADE NAME in this particular collection cycle only, both before and after debtor
was noticed, by $500,000.00. Debtor had the chance to opt out and walk away, but
chose to go forward and challenge your right of ownership of your own property.
Once the contract is executed, all earlier unauthorized uses of your property in this
15
If the matter is entered into the court as a complaint, it can still be successfully resolved. We are not licensed to
practice law, but UCC Services Group may be able to suggest a consultant who can assist you.

Handling Presentments – Instructions Page 16 of 21 Rev. Oct. 2002

 particular collection cycle become billable; debtor is accountable for each one.
When you plug in your particulars in the sample Invoice, be sure you:

(a) Precisely identify the document(s) and the number of uses of your property;

(b) Make an exact accounting of the num ber of unauthorized uses of your property,
leaving no margin for error; and

(c) Make certain that you can back up—with verifiable, bona fide, documentary
evidence—everything that is stated in the Invoice regarding unauthorized use of
your property. The only way you can foul up is if you cannot prove the veracity of
the facts stated in the Invoice—which is a notarized affidavit, the most powerful
private/legal/commercial instrument in the world. You cannot afford to make a
false attestation, nor bear false witness (perjury), so be sure you can legally
prove what is stated in your Invoice/affidavit. Each invoice has attached only a
copy of the documentary evidence used in calculating the total amount due
(original Invoices are retained for future filing; originals of documentary evidence
are retained permanently by you).

(d) Give your debtor ten (10) days from date Invoice is sent to tender payment in full.
There is no rush on this; the days will fly by.

(e) Make as many originals of each notarized Invoice as you will need for each
separate filing to be done both at state and county level (each piece of real
estates needs its own filing, and only originals of affidavits are accepted).

3. Send the Invoice. After notarizing, make a photocopy of the original Invoice and
attached proof of use of your property, as well as any page attached by the notary.
Debtor gets only a photocopy of the original notarized Invoice and attachments;
retain the original Invoice for later use. Send a photocopy of the Invoice (plus
attachments) by Registered Mail, Affidavit of Mailing, as described above in
paragraph IV. F, “Registered Mail envelope and mailing.”

4. Get familiarized with default provisions. Be sure you understand the default
provisions in the Notice by Written Communication. Defaults are inevitable, and
debtor will be in default 10 days after Invoice is sent, not 10 days after debtor
receives it. Per UCC, it is debtor’s responsibility to monitor receipt of mail and make
sure all financial obligations are met. Before the 10-day period expires, you may
contact UCC Services Group and let them know you are approaching the time to
initiate foreclosure proceedings, described below in paragraph D.

5. Begin generating the “Affidavit of Debt”. The Affidavit of Debt is the sworn document
that empowers you to foreclose non-judicially on the debtor (“strict foreclosure”) and
also indemnifies all others (such as the sheriff and judge and clerk of court) who
assist you (as plaintiff) in enforcing the private consensual contract that was
voluntarily executed, defaulted upon, and then ignored by the debtor. 16 The Affidavit

16
As mentioned earlier, the affidavit is the most powerful legal/commercial document in the world. Big Brother’s
operatives, especially esquires, steer clear of the use of affidavits because such use entails personal liability and
accountability based on statements that are sworn “true, correct, and complete”—a notion that strikes terror in the
heart of virtually all government officials. Were such operatives forthright in intent and action they would have no
difficulty in swearing out an affidavit, but this is not the case. Big Brother’s agents mount their assaults based on
inferior, judicial “declarations,” sworn “true and correct,” and based on “information and belief” (limited-liability,

Handling Presentments – Instructions Page 17 of 21 Rev. Oct. 2002

 of Debt is a precise recital of all events in the course of the debtor’s initiation and
execution of the consensual contract and subsequent failure to meet the financial
obligations associated therewith. “Contract makes the law” (ancient and universal
maxim of law)—and when you know the law (terms of the contract) you can enforce
it (default and strict-foreclosure provisions) with impunity based on certainty of the
correctness of your position, affirmed by affidavit. If the need for (deadly) force
enters in, it is best to enlist the help of the courts and the sheriff. Begin generating
your own, customized Affidavit of Debt as soon as possible by using the instructions
and sample documents provided in Section XIII, “Supplemental Instructional Material
for Handling Presentments,” beginning on page 391.

C. Non-judicial strict foreclosure and collection. This is an extremely serious undertaking,

however simple the final execution may end up being, and must be approached with the
utmost respect for procedure. This is the step that reverses the statist,17 totalitarian,
communistic, property-confiscation machinery developed and institutionalized by the
Legal Masters of the World over the last 2,000+ years, and they are not pleased with our
progress. For these and other reasons, it is not recommended that anyone attempt this
process on a first-time basis without help from someone who has already successfully
done it. It is not enough just to be “right”; you must be perfectly right to avoid retaliation
from Big Brother. Legal experts in the UCC and Revised Article 9 have written entire
books on just this subject to guide their fellow esquire-mercenaries because it is so
significant and so easily misunderstood. Even some judges do not understand the
default provisions contained in Revised Article 9. Believe it or not, the strict-foreclosure
procedure discussed in this book is the same procedure that is undertaken thousands of
times every single day by mortgage companies and banks who request the help of a
Federal-Reserve-Note tribunal (court) in authorizing the use of deadly violence (sheriff)
to evict those parties who have failed to meet their alleged private, contractual, financial
obligations and have also failed to adhere to the agreement to vacate the premises in
such case. There is no reason that you cannot access the same procedure, including
even using an attorney to request a hearing and getting the judge to issue an order
authorizing the sheriff to use as much force as necessary to get someone to comply with
the private, Federal-Reserve-Note contract. UCC Services Group has been instituted to
help in such matters, so as soon as you know when you will be ready to proceed with
strict foreclosure, it is time to make contact.

VII. Protecting Oneself in Pressure Situations and Criminal Proceedings.

A. Speaking and acting on your own behalf. See the essays, “Helpful Notes for Pressure
Situations” and “How to Sign Your Signature Without Liability,” in Appendix for real-life
solutions for everyday confrontations with Big Brother.

1. Affidavit of John Henry Doe, by Special Visitation.

(a) Meaning of “Special Visitation”. This affidavit does not constitute appearance,
rather visitation, based on the nature of the relationship between the sovereign
constituency, of which you are a member and can claim such standing, and the

with commensurate limited credibility). The power and superiority of an affidavit over a declaration is
immeasurable—unlimited liability for the veracity of all statements, and therefore unlimited credibility—hence the
supremacy of your position when you swear out an Affidavit of Debt against a debtor.
17
Statist: An adherent of statism [A theory of government which holds that the returns from group or individual
enterprise are vested in the state, as in communism.]. Funk & Wagnalls Standard Dictionary, Int’l Edition, 1958.

Handling Presentments – Instructions Page 18 of 21 Rev. Oct. 2002

 slave artificial-person corporation known as “government.” These two words are
defined as follows:

“Special. Relating to or designating a species, kind, or sort; designated for a

particular purpose; confined to a particular purpose, object, person, or class. The
opposite of general.” Black’s 1st.

“Visitation. Inspection; superintendence, direction; regulation. As applied to

corporations means, in law, the act of a superior or superintending officer who visits a
corporation to examine into its manner of conducting business and to enforce an
observance of its laws and regulations.” Black’s Law Dictionary, Fourth Edition,
1951.

(b) Purpose. Used to obtain a common-law judgment of non prosequitur, also called
non pros:

“Non prosequitur. (non pr?-sek-w?-t?r or proh-). [Latin ‘he does not prosecute’]
The judgment rendered against a plaintiff who has not pursued the case. — Often
shortened to non pros.” Black’s 7th.

(c) Description. Places parties on notice of who you are; that you never granted
permission for using, nor authorized use of, your property (True Name© and
TRADE NAME ©); requires response in like kind (affidavit); and that response be
sent via a notary public of your designation (explained below). Both agent and
principal are included. Such notice can be sent by Registered Mail, and can be
filed in person, as well, depending on the advantage of each method. Generally,
agents are served by Registered Mail, principals, in person. Some principals will
prefer that the document be presented in a different format (i.e. legal-pleading
format, with a heading and captions at the top and numbered lines running down
the left side of each page). Document is dated common-law style.

(d) Notary public. A notary is an officer of the state, with international jurisdiction:

? “Notary public. A public officer whose function is to attest and certify, by his
hand and official seal, certain classes of documents, in order to give them credit
and authenticity in foreign jurisdictions; to take acknowledgments of deeds and
other conveyances, and certify the same; and to perform certain official acts,
chiefly in commercial matters, such as the protesting of notes and bills, the noting
of foreign drafts, and marine protests in cases of loss or damage. Black’s 1st.
(Underline emphasis added)

? “Notaries are of very ancient origin they were well known among the Romans, and
exist in every state of Europe, and particularly on the continent.” Bouvier’s Law
Dictionary, Sixth Edition, 1856, hereinafter Bouvier’s 6th.

? “An officer appointed by the executive , or other appointing power, under the laws
of different states. Their duties are generally prescribed by such laws. The most
usual of which are, 1. To attest deeds, agreements and other instruments, in order
to give them authenticity. 2. To protest notes, bills of exchange, and the like. 3.
To certify copies of agreements and other instruments.” Bouvier’s 6th. (Underline
emphasis added)

Handling Presentments – Instructions Page 19 of 21 Rev. Oct. 2002

 ? “Their acts have long been respected by the custom of merchants and by the courts
of all nations.” Bouvier’s 6th. (Underline emphasis added)

Noting the title of the 14-page “Validation of Debt” package, i.e. “Respondent’s
Private, International Administrative Remedy Demand,” we are in the
international realm when dealing with the current de facto government—
coincidentally a commercial enterprise overlorded by a lineage of former
merchant shippers on the high seas who employed heavily the services of
notaries as an aid in international commerce, primarily for the handling of notes
(promissory notes) and bills (bills of exchange, i.e. orders to pay). The office of
notary public is far more powerful than even the average notary is aware of;
cultivated so by Big brother for maintaining governmental control in all economic
matters.

2. Notary’s “Certification of Non-Response”. A notary is an “officer of the state” and, as

such, a notary’s word carries great weight. When the notary attests that no
correspondence was received from any of the agents and principals that have
charged (dual criminal/financial significance) you for an alleged crime, a common-
law judgment of non pros is obtained. Agents and principals can avoid the
$500,000.00 name-use fee by using the term “Secured Party” instead of the sender’s
True Name©/TRADE NAME© for addressing correspondence; but nearly all reject
this option. The notary confirms non-receipt of correspondence with a simple form
called “Certification of Non-Response,” a sample of which appears in Appendix
under Notary’s “Certification of Non-Response”. You draw up the form, listing each
party that you want the notary to acknowledge as not having heard from, and bring it
to the notary for his/her seal and signature.

3. Enlisting the help of a notary. Ideally, you will have a notary public among your
friends, family, and associates.18 If not, if is a simple matter to enlist the help of a
notary for a Certification of Non-Response.

(a) Speaking with the notary. In a friendly fashion, let the notary know that:

(i) You are handling a matter in which you need outside, third-party verification
that your requests for a written response from certain people are being
ignored;

(ii) His/her word as a notary would remove all doubt in the matter; and

(iii) You would just drop by in a couple of weeks with a short list of people to see
if the notary had received any correspondence from any of them—and pick
up any such correspondence that had arrived; and

(iv) For those who had not sent anything, you would be happy to pay “[you
choose a number]” dollars [a realistic and agreeable fee] for a simple, one-
sentence acknowledgment that nothing had come in from the parties the
notary had not heard from.

18
Becoming a notary is a very simple matter, usually taking only one day’s training, the primary qualification for
which is “residence.” Residence is a nasty term (see Glossary), but fortunately concerns only straw-man TRADE
NAMES. Examine the seal of any notary: all text is set in English except for the notary’s TRADE NAME, which is
set in capitals (start looking more closely at all documents; Big Brother knows exactly what it is doing).

Handling Presentments – Instructions Page 20 of 21 Rev. Oct. 2002

 (b) After securing notary’s Certification of Non-Response. Serve each agent and
principal in the same fashion the original affidavit was served. You now have
profound evidence on the record that nobody ever had any right to use your
common-law-copyrighted property without your authorization, and that no such
authorization was ever given. Besides the financial charges for use of your
property, the attackers are in no-man’s land, “up the creek without a paddle,”
because there is no legal foundation/basis for their attack.

B. Suggestions on what to say when challenged by Big Brother’s operatives. See “Helpful
Notes for Pressure Situations” on page 322 in this Section for ideas on how to avoid
dealing with Big Brother altogether, and how to cope with its operatives in unavoidable
situations.

C. Doing business with any and all who use your private property. Upon receipt of any
presentment bearing your common-law-copyrighted property, for both civil and criminal
matters, immediately serve each and every involved party proceeding against you
(including judges, clerks of court, prosecutors, attorneys, and others) with his/her own,
personal Notice by Written Communication. Use “Difficult opt-out procedure (with
subsequent “Self-executing” paragraph)” text described under paragraph “II.4(b)” of
these instructions, and send by Registered Mail. You can also send one to the
presiding/chief judge of a particular courthouse and thereby place the entire courthouse
on notice.

Those who do not surrender all originals and copies containing your private property (in
any form of recorded media) into your possession within the 72-hour Truth-in-Lending-
Act period, thereby execute the consensual contract. Immediately file a UCC Financing
Statement against all such parties both at state level and, after obtaining a legal
description of all their real estate holdings, at county level. Each piece of real estate
needs its own separate financing statement (you can only file against one property in a
single real estate filing at county level). Draw up an invoice for each party and bill them
by Registered Mail (send a copy of the notarized original invoice; retain the original),
based on the number of uses of your copyrighted property multiplied by $500,000.00.

D. Assistance. If, despite all the above, you are still having a tough time of it and would like
assistance from someone familiar with these kinds of situations, you may want to
contact UCC Services Group, which may be able to recommend a consultant who can
help you.

Handling Presentments – Instructions Page 21 of 21 Rev. Oct. 2002

 Supplemental Instructional Material
for Handling Presentments
I. The Affidavit of Debt.

A. Introduction. The Affidavit of Debt is your sworn statement concerning all events that
have transpired and brought about the indebtedness, and stands as the truth in
commerce unless rebutted by the debtor point-for-point by counteraffidavit sworn
true, correct, and complete. Because of the inherently fraudulent nature of the legal,
financial, and taxation systems, actors within these arenas must remain in the
shadows in order to continue their duplicitous practices and avoid general detection.
Accordingly, it is highly unlikely that the Affidavit of Debt will ever be rebutted—
because to do so would require a sworn statement that cannot be supported by fact.
The UCC filing office requires that an original (not a copy) of the Affidavit of Debt
accompany any UCC Financing Statement, so there may be a need for multiple
original Affidavits of Debt. Debtor does not get a copy of the Affidavit of Debt; it is
strictly for filing with a financing statement in the UCC filing office.

B. Generating the Affidavit of Debt. Begin creating your own personal, customized
Affidavit of Debt against your debtor by following the sample Affidavit of Debt
provided in this section following these supplemental instructions and plugging in
your particulars for those of John Henry Doe’s.

(1) Attachments. Generally, filing offices require the debtor’s military-style name
(LAST, FIRST, MIDDLE) and address to appear in the uppermost, left-hand
corner of all attachment pages in the same format as the financing statement
(see page 287 for an example). Although this is not strictly enforced, it is still
recommended that you place the debtor’s name and address in this style on any
attachment whenever possible. The notarized Affidavit of Debt is most effective
when it has the following attachments:

(a) Copy of either the five-page, stand-alone Notice by Written Communication/

Security Agreement, or the Notice by Written Communication/Security
Agreement contained within the 14-page Validation of Debt Package (attach
the complete document, all 14 pages), along with the following:

(i) Copy of the presentment/written communication containing debtor’s initial

unauthorized use of your common-law-copyrighted property (that
prompted this entire cycle to be undertaken by you);

(ii) Copy of the newspaper Affidavit of Publishing re your Copyright Notice;

(iii) Copy of your certified UCC Financing Statement;

(iv) Copy of the Affidavit of Mailing for whichever version of the Notice by
Written Communication/Security Agreement you used;

Supplemental Instructional Material Page 1 of 4

 (v) Copy of USPS “Green Card” (PS Form 3811), proving debtor’s receipt of
whichever version of the Notice by Written Communication/Security
Agreement you used;

(b) Original, notarized Invoice, a photocopy of which was sent debtor demanding
payment, along with the following attached documents:

(i) Copy of all proof of unauthorized use of your common-law-copyrighted

property that was sent debtor as an attachment with the Invoice;

(ii) Copy of the Affidavit of Mailing for Invoice;

(iii) Copy of USPS “Green Card” (PS Form 3811), proving debtor’s receipt of
Invoice;

(2) Non-attachments. Please note that your personal Private Agreement, Hold-
harmless and Indemnity Agreement, and Security Agreement are private
documents and do not get filed as attachments with the Affidavit of Debt in the
filing process—even though the debtor was sent a copy of each in your initial
mailing. These three documents are not needed to prove the indebtedness of
the debtor and are withheld from filing in the public record for privacy reasons.

II. Filing a UCC Financing Statement Against Presenter/Debt Collector.

A. Public notice of a private contract. Until a financing statement is filed against the
debtor, no one else knows about your private, consensual contract with said debtor.
A filed financing statement is general public notice of the debtor’s indebtedness and
the collateral pledged as security for the obligation; a sworn Affidavit of Debt
attached thereto is detailed public notice of the debtor’s illicit attempts at using your
common-law-copyrighted property for commercial gain without authorization, and the
subsequent debt incurred thereby. Sworn statements (testimony, evidence) placed
in the public record cannot be summarily invalidated and brushed aside by anyone.

B. When to file. The financing statement should be filed in as soon as possible as of the
eleventh (11th) day from the date of mailing of the Invoice (Note: the 10-day clock
starts ticking when the Invoice is mailed; not when it is received by the debtor—
debtor is responsible for monitoring his mail traffic after incurring the obligation).

C. Where to file . For purposes of filing correctly, you must determine presenter’s/debt
collector’s location (“residence”) in accordance with UCC 9-307 (see paragraph
“IV.A” on page 225 for an explanation). Note: corporate debtors have different
criteria than those for individuals). Financing statements should be filed as follows:

(1) At state level in the UCC filing office of the state where the debtor maintains
residence; and

(2) At county level in any county in any state where debtor has real estate holdings
registered in debtor’s name. Each piece of real estate requires its own, separate,
UCC Financing Statement, with an original Affidavit of Debt and an original
Invoice (as explained above) in order to be accepted for filing.

Supplemental Instructional Material Page 2 of 4

D. Completing the form. The financing statement is virtually the same for filing at both
state and county level. However, please take note of the following points:

(1) Box 4, Collateral Description.

(a) Box 4 text. No matter which version of the Notice by Written Communication/
Security Agreement you used, the collateral description in Box 4 is the same:

“All of debtor's assets, land, and personal property, and all of debtor's rights in
said assets, land, and personal property, now owned and hereafter acquired, now
existing and hereafter arising, and wherever located, described fully in security
agreement entitled “NOTICE BY WRITTEN COMMUNICATION / SECURITY
AGREEMENT” dated [Date of the particular Notice By Written
Communication/Security Agreement that you used], by and between debtor and
secured party, to secure debtor’s obligation in favor of secured party in the sum
certain amount of [Dollar amount of indebtedness]. Inquiring parties may consult
directly with debtor for ascertaining, in detail, the financial relationship and
contractual obligations associated with this transaction, identified in security
agreement referenced above. Secured party accepts debtor's signature in accord
with UCC §§ 1-201(39), 3-401.

(b) Security Agreement. The “Security Agreement” referenced in the text of the
Box-4 collateral description described immediately above in paragraph
“(1)(a)” is whichever one you used to notice the presenter/debt collector, i.e.:

(i) The five-page, stand-alone Notice by Written Communication/Security

Agreement; or

(ii) The Notice by Written Communication/Security Agreement contained

within the comprehensive, 14-page Validation of Debt Package.

(2) Box 6. For all real estate filings at county level, check Box 6, “Real Estate
Records.” Do not check this box for filings at state level.

(3) Box 13. Place an “X” in the last check-box in Box 13, “fixture filing,” for both
state- and county-level filings.

(4) Box 14, county filings only. If you are doing a real estate filing at county level,
place the legal description of the property in Box 14. Leave this box blank for
state-level filings.

(5) Box 18. There is no assertion that the debtor is a transmitting utility. This is not
a transmitting-utility filing, so do not make a mark in Box 18.

(E) Assembling the package. Place the appropriate two -page UCC Financing
Statement on top of each completed original Affidavit of Debt—with all its
attachments—and make at least one copy of each entire stack. Staple each original
stack together after photocopying and place it with its envelope; store your copies in
an orderly fashion in a safe place.

Supplemental Instructional Material Page 3 of 4

(F) Preparing your filing for transmittal. Decide on how you will transmit your package
for filing, and then contact the appropriate state - and county-level filing offices and
find out:

(1) The filing costs to get your package filed;

(2) How to obtain an acknowledgment copy (you may need to enclose a second
copy of the two-page financing statement, along with a SASE);

(3) The cost of, and exactly what you need to do to obtain, a certified copy of your
filing (if ever asked why you need a certified copy, a good answer is “For court” or
“For a court case”).

(G) Transmitting your filing. Get your completed UCC Financing Statement filed the
fastest way possible at both state and county level.

[More material re strict foreclosure to follow]

Supplemental Instructional Material Page 4 of 4

 SEQUENTIAL STEPS OF A PRESENTMENT HANDLING

Demanding Acceptance or Performance Demanding Money

Notice by Written Communication/ 14-page Validation of Debt Package

Security Agreement

Sent to a party demanding payment;

Sent to any party involved in
Attach: CN, UCC Financing
enforcing the Presentment; Attach:
Statement, PA, HHIA, SA [send
CN, UCC Financing Statement, PA,
NbWC/SA with copy of 14-pager &
HHIA, SA
attachments to principal]

t t
Invoice Invoice

Sent after one additional use of the name Sent after one additional use of
with easy opt-out, after 72-hour Reg Z name; contains proof of execution of
period with difficult opt-out; contains proof contract; notarized
of execution of the contact; notarized

UCC Financing Statement

Sent after one additional use of the name with easy opt-
out, after 72-hour Reg Z period with difficult opt-out;
contains proof. Filed on 11th day after sending files at the
state level against debtor, as well as at the county level
against debtor, as well as at county level against each
piece of real estate of debtor.

T
Standard general statement describing debtor's "assets,
land and personal property..." that also lists specific
property of debtor (obtained with an asset search)

T
Attachments:
Original
Notarized Aff of Debt (file original; retain copy)
Copy of NbWC/SA or VOD Pkg + Attachments 1
Copy of Aff of Mailing for NbWC/SA or 14 pager
Copy of proof of receipt of NbWC/SA or 14 pager

T
Attachments:
Original
Notarized Invoice (file original; retain copy)
Copy of proof of use of copyrighted property 30-Day Written Demand
Copy of Aff of Mailing for Invoice for title
Copy of Proof of receipt of Invoice by debtor
l
X Lawsuit for title for
Strict-foreclosure proceedings against each debtor property

1 Important Note: Purposes of maintaining privacy, when filing a UCC Financing

Statement do not include the PA, HHIA, and SA that were attached with the NbWC/SA or
14-page Validation of Debt Package, only the other attachments that were sent; PA,
HHIA, and SA need not be filed for financing statement to be valid.
 How to Secure a Bank Account from Levy1
(Updates in Red)
Objective

The primary objective in securing a bank account from levy is to obtain the bank’s
agreement that you, the flesh-and-blood man/woman, are the authorized representative of
the account holder, the artificial-person TRADE NAME. This reality is spelled out in detail in
your security agreement and is echoed in the UCC Financing Statement filed with the
secretary of state—but you must also obtain the bank’s acknowledgement of this fact. Once
documented on the bank signature card as an authorized representative on the account,
control of the collateral (the funds in the account) is established, thus perfecting your
security interest in the account. At that point, your other relationship with the account
holder/debtor, i.e. that of secured party, can be impressed upon bank personnel—and such
are obligated to honor the perfected security interest—thus securing account funds from
third-party levy.

Pertinent Sections of the Uniform Commercial Code

Here are the sections of the Uniform Commercial Code governing such matters:

§ 9-314. Perfection by Control. (a) Perfection by control. A security interest in…deposit

accounts…may be perfected by control of the collateral under Section 9-104…”

§ 9-104. Control of Deposit Account. (a) Requirements for control. A secured party has
control of a deposit account if: …(2) the debtor, secured party, and bank have agreed in an
authenticated record that the bank will comply with instructions originated by the secured
party directing disposition of the funds in the deposit account without further consent by the
debtor…”

The signature card (property of the bank), signed by both account holder (debtor) and
authorized representative (secured party), constitutes an agreed-upon, authenticated record
“that the bank will comply with instructions originated by the secured party [authorized
representative] directing disposition of the funds in the deposit account without further
consent by the debtor [account holder].”

Signing the Signature Card

With one exception, the bank signature card should be signed exactly as shown in “How to
Sign Your Signature Without Liability” on page 315 of Cracking the Code Third Edition ©,
“CTC3,” with signature of both debtor and secured party appearing. Signing in this manner
differentiates between the contracting parties, i.e. True Name and TRADE NAME,
corresponds with the documentation you provide, and satisfies the requirement of UCC 9-
104(a)(2). Select from the sample signatures appearing on page 319 of CTC3 that contain
both debtor’s and secured party’s signature, but do not place a copyright symbol, i.e. “©,”
after either of the two names. The copyright symbol, and likewise the copyright notice, is
not used here. It is more important to establish the account and be acknowledged as the
authorized representative than it is to assert the copyright—which can always be called into
play later if necessary, but this is not likely.

1
Levy: n. A seizure. v. To raise; execute; exact; collect; gather; take up; seize. Thus, to levy (raise or collect) a tax.
How to Secure a Bank Account from Levy 1
For an existing account, a request to examine the signature card for the account will usually
be granted, but bank personnel may not be too delighted with your new self-proclaimed
status as authorized representative/agent and the accompanying artwork you render on the
card to prove your point. If you are able to modify the signature card on your account
without causing any friction, by all means do so. However, if this is not feasible, the easiest
thing to do is simply to close the account and open another. Opening a new a bank account
is a simple matter, and there is nothing wrong with using the same bank as long as no
undue antagonism is generated in the process. The most hygienic method, however, is to
open your new account with another bank and start afresh.

Documenting Your Position

At the time you sign the bank signature card you should have with you a certified copy of
both your UCC Financing Statement and the security agreement referenced within the text
of the collateral description of the financing statement (use the “Copy Certification by
Document Custodian” form to make a certified copy of the security agreement). These
certified copies are to be left with the bank after the signature card is completed.

Upon signing the signature card, inform the bank personnel assisting you that the account
holder is also your debtor and that you are the secured party, and then produce the certified
copy of your financing statement and security agreement. The identifying number of the
security agreement appearing within the collateral-description box (Box 4 on a UCC
Financing Statement; Box 8 on a UCC Financing Statement AMENDMENT in the case of a
cross-filing) of the financing statement and the section entitled “Authorized Representative”
on page 7 of the security agreement (page 247 of CTC3) should be highlighted for ease of
inspection. Bank personnel are only too familiar with such kinds of documents, so there
should be no difficulty in understanding what you are presenting. As long as bank personnel
can see that you know what you are doing, there will be no problem.

Guaranteeing Success

It is vital that you thoroughly understand that you are not the account holder—and can never
be the account holder. The name of all account holders appears in all-capital letters in all
bank records and documents. Al l account holders are artificial persons, e.g. your TRADE
NAME. This policy is purely of the bank’s own choosing; all you are doing is respecting the
bank’s selection/designation of the account holder.

If bank personnel balk at all, have the girl/guy pull out a sample personal check from her/his
drawer and point out the name of the account holder printed on the check. The name is set
in capital letters. If the secretary of state recognizes the distinction between the two names
on your financing statement, it is reasonable to expect that the “New Accounts” officer will
too.

In the event there is further resistance, have her/him examine what appears to be the
signature line on the sample personal check using the magnifying glass that you produce
(bring one with you, if possible). Even though the check is a personal check, and therefore
theoretically would have only one signatory, said “line” is for any authorized signatory of the
account holder—i.e. an authorized representative—and you are such an authorized
signatory/representative.

How to Secure a Bank Account from Levy 2

These facts should quell any doubts on the part of bank personnel. However, as always,
the senior factor is your personal certainty of what you are doing. The Federal Reserve
literally owns the U.S. Government, and covertly asserts ownership of all property in
America by claiming that the State—i.e. its bankrupt slave—owns everything. 2 This
absurdity is enforced based on the justification that Federal Reserve Notes (private property
of the Fed) were used as the “valuable consideration” in the acquisition said property.
Banks (Fed instrumentalities) do business only with artificial persons whose names appear
in all-capital letters; any party that “volunteers” to act as a surety and give anomalous
indorsements and sign as an accommodation party 3 for the account holder, however, is
never turned away.

It is also wise to familiarize yourself with the section of the security agreement entitled
“Event of Default,” which can also be highlighted if desired. This paragraph appears just
below “Authorized Representative” at the bottom of page 7 of the security agreement. Any
attempt by any third party to remove any of the debtor-account holder’s funds (your secured
collateral) constitutes an event of default on the part of the debtor and allows you to
foreclose on the collateral, i.e. withdraw the funds if necessary. Because you provide the
bank with certified documentary evidence of your secured-party status at the time the
signature card is signed, no other party can have a prior security interest in those funds, and
all bank personnel must acknowledge this fact and honor your perfected security interest or
risk both civil and criminal charges.

As a final note on securing your position, a certified copy of your UCC Financing Statement
and security agreement left with bank personnel could conceivably be misplaced/lost,
although this is unlikely based on the potential liability attendant with such oversight.
However, it is nevertheless a good idea to send the manager of the bank an additional
certified copy of both financing statement and security agreement by Registered Mail
(Restricted Delivery), with an Affidavit of Mailing. A cover letter confirming your perfected
security interest in the collateral in the account and the bank’s responsibility in protecting
this secured collateral should also be enclosed. As long as you can prove that the manager
received the above cover letter and the certified copies of the documents (evidence), the
bank is liable for any pilferage of the account.

2
Senate Document No. 43, 73rd Congress, 1st Session. (March 9 – June 16, 1933) “…The ownership of all property
is in the State; individual so-called ownership is only by virtue of government, i.e. law amounting to mere user; and
use must be in accordance with law and subordinate to the necessities of the State.”
3
If these terms are not readily understood, it is vital that you re-read “How to Sign Your Signature Without
Liability,” beginning on page 315 of CTC3 and get them cleared up.
How to Secure a Bank Account from Levy 3
 How to Get Paid All of Your Earnings
Disclaimer: The following information is not legal advice and cannot be construed as legal advice. If the reader is in need
of legal advice the reader is advised to contact a legal professional authorized to dispense such. The information contained
herein is not provided to assist anyone to evade taxes. Rather, it is offered to enlighten those who may be unaware that
application for, and use of, a Social Security Account Number is—per the Social Security Administration—strictly
voluntary; to remind the reader that voluntary compliance (re the payment of income tax) is expected of those who decide
to enroll/participate in the income tax system; to reveal the mechanics of exactly how one volunteers to take part in either
of these two programs; and to offer another lawful alternative for those who may no longer wish to continue to volunteer.

Social Security Account Numbers

The Internal Revenue Service (IRS) personal income tax scheme is utterly dependent upon
the continued submission of Social Security Account Numbers (SSAN’s) collected from new
employees by employers. New employees routinely provide a SSAN on a signed IRS Form
W-4 Employee’s Withholding Allowance Certificate when requested by an employer, and the
employer dutifully forwards the W-4’s in accordance with IRS wishes. Without such
unparalleled largesse1 (SSAN’s volunteered by new employees and then submitted by
employers), IRS has no lawful basis for the assessment and collection of Social Security
payroll tax from said new employees—and likewise for every other kind of tax routinely
levied 2 from a paycheck.

Most people think that they have no choice, i.e. that they must provide a SSAN when asked
for one by their new employer if they want to have a job. This is not true for a number of
reasons, but possibly the most significant one is the official stance of the issuer of all
SSAN’s, the Social Security Administration (SSA). The following excerpts are taken directly
from the official SSA web site at www.ssa.gov; specifically: “Questions?” then “Social
Security Number & Card” then Page 2, Question #23: “When do I have to provide my Social
Security Number?” The following passages (as well as others) appear:

“Que stion:
“Must I provide a Social Security number (SSN) to any business or government agency
that asks?
“Answer:”
“If a business or other enterprise 3 asks you for your SSN, you can refuse to give it.”
“Giving your number is voluntary, even when you are asked for the number directly.”
“The decision is yours.”

The Internal Revenue Code (IRC) requires only that an employer request a SSAN from each
new employee, and can levy a fine if the employer fails to obtain/ask for a SSAN. However,
IRC also provides for a waiver of such penalty if the employer fulfills the request requirement
but fails to obtain a SSAN because the new employee declines to provide one (no willful
neglect on the part of the employer). If there is ultimately no penalty/fine if the em ployer
fails to obtain a SSAN from a new employee, there is no requirement that a new employee
provide one in the first place. No penalty = Not required.
1
Largesse: Liberal or generous giving; a large gift or donation.
2
Levy: v. To raise; execute; exact; collect; gather; take up; seize. Thus, to levy (raise or collect) a tax. n. A seizure.
3
FYI: IRS can only be classified as a “business or other enterprise” because, despite the most vehement objections
of Big Brother’s PR men, IRS is not an agency of the U.S. Government. For documentary evidence proving this fact
see Internal Revenue Service in Glossary of Cracking the Code Third Edition, available at www.bbcoa.com.

How to Get Paid All of Your Earnings 1

Similarly, IRC contains no provision for the assessment and collection of income tax from a
new em ployee for whom it has no SSAN. Accordingly, IRC contains no provision that
allows/requires/instructs an employer to refuse to continue to employ the new employee, to
fire the new employee, to refuse to pay the new employee his/her earnings, to withhold a
portion of the new employee’s earnings, or permit any other such unlawful measures.
Employees who do not provide a SSAN (on a signed W-4, the only authorized way in IRC)
when requested to do so are simply not eligible for any benefits (Social Security and other)
associated with the earnings they collect from that particular employer.

Any retaliatory action taken against the new employee by the employer, such as any of the
ones listed above, is unlawful and can be immediately vindicated via lawsuit—and the new
employee will win. This is why: The new employee is hired first and then only subsequently
asked to provide a SSAN (on a signed W-4). At the time this is requested of the new
employee, he/she is already employed. This fact is echoed in the prescriptions of IRC, in
that IRC authorizes requesting a SSAN only of an employee. Since providing a SSAN on a
signed W-4 is voluntary (the only valid signature is one that is signed freely), the employer
cannot lawfully coerce the new employee into doing what is otherwise a voluntary act. The
matter of providing a SSAN (on a signed W-4) is strictly between employee and employer,
and does not involve any outside third party, such as IRS and SSA:

“…We do not have the authority to require an employer to provide or deny employment or
services to anyone who refuses to disclose his or her number. This is a matter between the
individual and the employer.”
Dorcas R. Hardy
Commissioner of Social Security
Letter of response to Rodney Rickman, July 16, 1986

“…There is no law prohibiting a person from exercising his right to work without possessing
a Social Security number….”
Harry Reid
United States Senator (Nevada)
Response letter to Kevin Passow, April 24, 1990

The Nature of Benefits

Though not as straightforward in the matter of a government agency asking for a SSAN, the
same official SSA web site does not contain one single passage that unequivocally states
that anyone is ever required to provide any government agency with a SSAN upon request.
The text of SSA web site, created by the same word-wizards that write IRC and every other
Code in existence, is masterfully cloaked in ambiguity in order to cause the reader only to
believe it is mandatory to provide a SSAN when requested by a government agency4—but
since the only conscionable5 purpose behind use of a SSAN is the acquisition of a benefit,
no one can ever be compelled to provide one. An ancient and timeless maxim of law states,
“No one can be compelled to accept a benefit against his will,” and so it is with SSAN’s. The
official SSA web site fully acknowledges this fact as shown above. Accordingly, no one is
ever required to provide a SSAN under any circumstances unless, of course, someone is
desirous of a Social Security-related benefit and the account number is necessary to verify
eligibility.

4
The only time a SSAN is required is upon application for a benefit.
5
Conscionable: Conformable to conscience or to right or duty; just: most common in the negative; as your demands
are not conscionable.

How to Get Paid All of Your Earnings 2

 Employer Leeway in Obtaining a SSAN from an Employee

No matter what an employer believes an employee’s responsibilities may be in the matter of

providing a SSAN, the employer is not authorized by IRC, nor by any other Code, to take
any action against the employee in an effort to induce the employee to provide a SSAN and
seek a benefit against the employee’s will, once the employer requests a SSAN and the
employee declines to provide one. Neither United States Code (USC) nor Code of Federal
Regulations (CFR) provides any instruction for any further communication with the
employee on the subject of SSAN’s once the request is made, and likewise for any
retaliatory action against the employee for refusing to provide one. Whatever the employer
does in such case is based only upon the employer’s unfounded belief of what the employer
is authorized/”supposed” to do, combined with ignorance of the law—and as we all know
from Big Brother’s cheerleaders: “Ignorance of the law is no excuse.”

Similarly, no employer is authorized by any Code to abrogate 6 the terms and conditions of
the employment contract with the employee. Again, the employment contract is executed
first; only afterwards does the employer request a SSAN and try to induce the employee to
seek Social Security benefits and enter into a separate contract with a third party (IRS).
Whenever two parties go into contract with each other (whether verbally or in writing),
common sens e (as well as contract law) tells us that neither party can subsequently
introduce new, arbitrary terms and conditions that must be fulfilled by the other party before
the instigating party will honor its obligations as agreed upon in the contract (a form of
“breach of contract”). When a contracting party claims the existence of a law that mandates
such perfidious 7 conduct, that party is talking through his hat, as the Constitution expressly
forbids the enactment (i.e. existence) of any such law:

“No State shall…pass any…Law impairing the Obligation of Contracts…”

Constitution of the United States (of America)
Article I, Section 10, Clause 6

No One Required to Seek Benefits

Even in those cases where a SSAN is required in order to receive a benefit, such as for
unemployment compensation, welfare, and food stamps, the decision to apply for any such
benefit and provide a SSAN (method by which a sovereign forfeits his/her sovereignty and
cements his/her subjugation) is always voluntary. It cannot be any other way, because
there is neither a penalty for failure to initiate a request for a benefit, nor a penalty for failure
to follow through and acquire any such benefit. No penalty = Not required.

As an employee, the only official way to seek eligibility for Social Security benefits in respect
of earnings with a particular employer is to provide that employer with a SSAN—on a signed
IRS Form W-4. No other way is authorized in IRC. Therefore, if one does not wish to be
eligible for Social Security benefits based on one’s earnings with a particular employer, one
would not submit the SSAN on the prescribed form, i.e. a W-4. To decline eligibility for
Social Security benefits based on one’s earnings apparently is a very commonplace event
because the whole of the matter is taken up and concluded in a single sentence in IRC with
a simple mandate for the employer: sign an affidavit stating you requested a SSAN, but the
employee did not give you one. Per IRC, no further action by the employer is authorized.

6
Abrogate: To annul by authoritative act; abolish; repeal; as, to abrogate a rule or custom.
7
Perfidious: [< F. perfidie, < L. perfidia, < per, from, + fides, faith.] Characterized by perfidy; involving a breach of
faith; contrary to loyalty and truth; as perfidious actions.

How to Get Paid All of Your Earnings 3

 “Voluntary Compliance”

IRS officials and media pundits harp incessantly about “voluntary compliance” with income
tax—and rightfully so: People who voluntarily acquire a SSAN (even via a parent) and then
voluntarily sign a statement (W-4) swearing that they are a “taxpayer” and liable for the
“income” tax, and listing a SSAN, voluntarily obligate themselves for income tax on earnings
they make with the employer that collects the sworn statement (W-4). Such people should,
therefore, voluntarily comply with IRC mandates re the payment of income tax on earnings
with that employer. Employees for whom an employer has no SSAN on a signed W-4
would, of course, have no such obligation re their earnings with that employer:

“A person with no social security [sic] number would have no taxable income.”
Penny Payton, Claims Representative
Department of Health & Human Services
Response letter to Jerome T. Schiefen, January 10, 1990

For all intents and purposes, there is no substantial difference between an employee with no
SSAN (as suggested in the above quote) and an employee who declines to provide a SSAN
when requested of him/her. Once IRS receives a SSAN on a signed W-4 (collected and
sent in by an employer), however, IRS converts the SSAN into a “taxpayer identification
number” (without authorization) and then the charade of providing for all the employee’s
purported future Social Security-related benefits commences and IRS begins expropriating
whatever funds it wants from the paycheck today.

The SSAN—the foundation and indispensable component of the income tax scheme—is
acquired voluntarily and provided voluntarily (even in the case of government agencies)
every step of the way for the purpose of participating in the advertised aims of Social
Security, i.e. so-called “retirement benefits.” Making provision to realize said future
retirement benefits by signing a W-4 today is a sovereign, self-determined, voluntary act that
can be conscionably undertaken only for the purpose of acquiring a benefit (there can be no
other reason). If no benefits are desired, no such action need be taken. When no SSAN is
volunteered via the W-4, there is no Social Security payroll tax—and no other kind of tax
associated with the earnings received from that employer. The reason one is asked—and
not ordered—to do these things is because it is unlawful to force someone to do something
against his/her will. The only way to become eligible for Social Security benefits is to
acquire a SSAN and voluntarily go into contract with IRS by providing a SSAN on a signed
IRS Form W-4. No one can be penalized for not seeking Social Security benefits.

Nuts-and-Bolts Proof: Federal Codes

The above arguments are not mere speculation, and are confirmed in entirety in United
States Code (USC) and Code of Federal Regulations (CFR):

An employer must request a SSAN from a new employee:

“Any person required under the authority of this title to make a return, statement or other
document with respect to another person shall request from such other person, and shall
include in any return, statement, or other document, such identifying number as may be
prescribed for securing proper identification of such other person.”
268 USC 6109(a)(3) (Bold emphasis added)

8
Title 26 of United States Code = Internal Revenue Code.

How to Get Paid All of Your Earnings 4

Regulation (positive law) interpreting the above 26 USC 6109(a)(3) prescribes procedure for
an employer that does not know a new employee’s SSAN even after having requested such:

“If the person making the return, statement, or other document does not know the taxpayer
identifying number of the other person…such person must request the other person’s number.
The request should state that the identifying number is required to be furnished under
authority of law. When the person making the return, statement, or other document does
not know the number of the other person, and has complied with the request provision of
this paragraph (c), such person must sign an affidavit on the transmittal document
forwarding such returns, statements, or other documents to the Internal Revenue Service so
stating. A person required to file a taxpayer identifying number shall correct any errors m
such filing when such person's attention has been drawn to them.”
26 CFR 301.6109-1(c) (Bold emphasis added)

Penalty for an employer’s failure to obtain a SSAN from a new employee:

“In the case of a failure by any person to comply with a specified information reporting
requirement on or before the time prescribed therefor, such person shall pay a penalty of $50
for each such failure…” 26 USC 6723 (Bold emphasis added)

Waiver of penalty for failure to obtain a SSAN if employee refuses to provide a SSAN
(purpose of the affidavit provision in 26 CFR 301.6109-1(c) above):
“No penalty shall be imposed under this part with respect to any failure if it is shown that
such failure is due to reasonable cause and not to willful neglect.”
26 USC 6724(a) (Bold emphasis added)

It is very simple: An employer is required request a SSAN from a new employee (on a W-4,
the only authorized way). If the new employee refuses to provide a SSAN, the employer is
required by regulation (positive law) to submit an affidavit attesting that the request was
made, thus eliminating the possibility of willful neglect on the part of the employer and
ensuring a waiver of the $50 penalty the employer would have incurred without it.

What is the new employee’s role in all this? The new employee plays almost no part in this
process. The new employee has no contact and no relationship with IRS, only the
employer, who merely requests a SSAN. Once the new employee declines to provide
same, his/her role in the process is complete. At that point the employer has no other lawful
option than to send IRS an affidavit (as prescribed by law) and honor the employment
contract with the employee. IRS is satisfied, the new employee is satisfied, and therefore
the employer should be satisfied.

Employer = IRS Slave

The reason the current income tax scheme is so effective is that IRS enlists an outside,
third-party volunteer, the employer, to work without pay—i.e. as an unwitting slave—to
ensure that people who draw a paycheck from said employer pay Social Security payroll tax
(and income tax, by virtue of submitting the SSAN on an IRS Form W-4). Everything the
employer does in this wise is voluntary. IRS assumes no liability for the actions of the
employer re removal of funds from the employee’s paycheck, nor does IRS compensate the
employer for his/her/its labor. Since the employer already erroneously believes that it is
his/her/its duty to calculate, collect (levy), and distribute taxes from employees’ earnings
without compensation, it is easy to imagine the difficulties that one might encounter in
educating the employer re the actual facts of the law. Therefore, it is imperative that one be
as prepared as possible to deal with any eventuality that might arise at the moment of truth.

How to Get Paid All of Your Earnings 5

 Two Different Situations

People who draw a paycheck for their living fit into one of two categories: (1) currently
employed, (2) currently unemployed. Folks in the latter category will have an easier time of
things when they start their next job because the employer will not know their SSAN.
People currently employed who want their employer to change horses in midstream and
“forget” their SSAN and signed W-4 may have a little more work ahead of them. In such
case, moving on and looking for a new job may be more appealing than sticking with a
current employer who refuses to mend his/her/its ways, comply with the law, and do the
right thing—despite the apparent disadvantages that come with seeking new work. We shall
deal with both of these situations, the simpler of the two first: new employers.

A Most Critical Decision

The reader that decides to continue to participate in the Social Security retirement program
in order to be eligible for Social Security and other types of benefits derived from his/her
earnings via employment will have no use for the remainder of this essay. However, the
information that follows immediately below is nevertheless offered so those who are
undecided are better equipped to make an informed decision.

The Nature of Social Security

The Social Security retirement benefits program fits the definition of a Ponzi scheme9 and
therefore should be carefully considered by those who intend to partake in it:

“Ponzi scheme. (pon-zee). A fraudulent investment scheme in which money contributed by

later investors generates artificially high dividends for the original investors, whose example
attracts even larger investments. • Money from the new investors is used directly to repay or
pay interest to old investors, usu. without any operation or revenue-producing activity other
than the continual raising of new funds. This scheme takes from Charles Ponzi, who in the
late 1920’s was convicted for fraudulent schemes he conducted in Boston.”
Black’s Law Dictionary, Seventh Edition (1999)

Social Security is the most massive Ponzi scheme in the history of the world, siphoning off
literally tens of trillions of Social Security-payroll-tax dollars from unwitting “volunteers” since
1935. Presently, only people born before 1940 (“old investors”) can expect to receive a full
payout of Social Security benefits for the duration of their life after they retire. Most others
(“new investors”) can only hope for partial benefits, and people born after 1970 have no
hope of ever receiving any Social Security benefits in their lifetime. White House Press
Secretary Ari Fleischer confirms Social Security’s nature as a Ponzi scheme in the
Thursday, July 25, 2002 edition of the Los Angeles Times in an article entitled “White House
Says Bush Still Backs Benefit Plan”:

“White House Press Secretary Ari Fleischer took a swing at the existing Social Security
program, calling it ‘dangerous’ to ‘let people pay a lifetime of high taxes for a Social
Security benefit that under current projections they’ll never receive.’”

Those who do not wish to continue to take part in Social Security are invited to continue on
with the addendum attached hereto; others may stop at this point.

9
Ponzi schemes are illegal and victims of a Ponzi scheme usually never see a return of their investment. For a
comprehensive examination and exposé of the Social Security System as a Ponzi scheme, see “The Curse of Co-
Suretyship,” beginning on page 68 of Cracking the Code Third Edition.

How to Get Paid All of Your Earnings 6

 How to Get Paid All of Your Earnings
Addendum – Instructions
I. How to Handle a New Employer if you do not want Social Security Benefits.

A. Rule 1. The very first thing that you need to be aware of is the text of the positive law,
i.e. 26 CFR 301.6109-1(c), that instructs an employer how to go about obtaining a SSAN
from a new employee. Per the text of that section, once the employer “knows” the SSAN
of an employee the employer is purportedly compelled to provide IRS with such
number—even if the new employee withholds consent, disagrees, and forbids any such
use of the SSAN. 10 Without placing oneself in a position to have to rectify such a wrong,
it is easier simply to avoid the possibility of any such circumstance arising from the
beginning. Therefore, the first rule to follow whenever a SSAN is requested of you is:

? Never provide a SSAN unless you want to obtain Social Security benefits. 11

B. Application for employment. It is very likely that the employment application will have a
slot for a SSAN. If you do not want Social Security benefits, do not enter your TRADE
NAME’S SSAN. [Note: the account holder is your TRADE NAME, not your True Name.
Examine the card if you do not believe this.] In the slot on the application for a SSAN,
place one of the following:

? “Not applying for credit”

? “Privacy Act”
? “Credit check not required”
? “Not an employee yet”
? “Not applying for SS benefits”

C. How to respond to verbal demands. If employer personnel tell you that they need a
number to process your application, any of the following replies can work without
generating friction:

? “I can’t remember it. I’ll have to get it later.”

? “Do you want to run a credit check for the purpose of issuing credit? If not, a Social
Security Account Number has no bearing on an application for employment.”
? “Unless you are willing to guarantee that I will be hired, I am not willing to provide a
Social Security number ahead of time based on privacy concerns.”
? “I’m not applying for Social Security benefits; I’m applying for a job. The issue of Social
Security benefits can be taken up later, after I’m hired.”

10
This is an example of how IRS induces the employer to violate/invade one’s privacy, an offense that carries both
civil and criminal penalties.
11
Although it may be more difficult to follow this rule in opening a bank account, it would also apply equally with
banks. The advertised reason that a bank needs a SSAN is for income tax purposes. If the account to be opened
were a non-interest bearing account, the need for reporting income (derived from the 1½% annual interest paid)
would never arise.

How to Get Paid All of Your Earnings 7

 ? “The Internal Revenue Code does not authorize requesting a Social Security number until
I am hired.”
? “I am afraid of identity theft and prefer to withhold my Social Security Account Number
for privacy reasons until it is confirmed that I am hired.”

D. One possible exception. In the most extreme cases where the employer insists that is
absolutely vital that an applicant’s credit report be checked (even though the official SSA
web site says that there are alternative methods to check on someone besides using a
SSAN and that businesses “do not need it”) and it seems impossible to get to the next
step without revealing it—and you are willing to take the chance in order to get the job—a
SSAN might be provided under the following circumstances:

Applicant: Okay. I can see that you are sincere, and therefore I am willing to allow my
privacy to be compromised just this one time in order to accommodate your
needs. However, the application will have to be notated and signed by an
company officer that your company will use the number just this one time,
and this time only, and for this purpose, and for no other purpose, and that no
company employee will retain any record of the number after the credit check
is complete. As long as you are willing to guarantee those things on behalf of
the company on the face of the application, and as long as I can keep the
original application and you take a copy, I am willing to allow you the use
the Social Security number to run a credit check.

Employer: Okay. Never seen anyone that was so concerned about his privacy, though.

E. Name and Address of the Job Applicant. The last sentence of 26 CFR 301.6109-1(c) is
very important and reads as follows:

“A person required to file a taxpayer identifying number shall correct any errors in such filing
when such person's attention has been drawn to them.”

1. IRS databases. What this means is that even though the employee may be
successful in starting work without applying for Social Security benefits, and the
employer sends IRS an affidavit as instructed, IRS can come back with a SSAN that
matches up with the name and address (obtained by the employer from the new
employee’s job application) provided in the employer’s affidavit and demand that the
employer then correct the errors in “such filing” (that IRS provides the employer) now
that the employer’s “attention has been drawn to them” and begin withholding taxes
from said new employee’s paycheck. If IRS knows the SSAN, count on them to
intimidate the employer into withholding your earnings no matter what you say.

2. Sworn statements. A different name and address that minimizes the possibility of IRS
matching up your TRADE NAME’S SSAN from a previous employer is best. Never
do anything illegal, such as swear out a false statement (under penalty of perjury,
etc.). Any such act weakens your position whether discovered or not and should
always be avoided.

3. Variations in the name. There are many ways that the name can be lawfully
modified/abbreviated; in fact, creditors regularly use corruptions (“derivatives and
variations in the spelling”) of the TRADE NAME on legal briefs when they come after
an alleged debtor—and the court never has a problem in ruling against the alleged
debtor. Turnabout is fair play. You can utilize this technique for your own advantage.

How to Get Paid All of Your Earnings 8

 4. Addresses. Through strictly lawful means, it may be possible to cite an entirely
different address than most people think is appropriate for your TRADE NAME, both
historically and currently. You need to scour the recesses of your mind and get
creative; the more creative, the better chance of avoiding being linked up with a
SSAN based on an address in an IRS data base. P.O. Boxes, especially those in the
name of another party, work well.12 If one were living in a hotel room as of the date
appearing on an employment application, one could arguably cite the address of the
hotel on the application, even if it were out-of-town and out-of-state. These are
personal choices based on personal conviction and—ideally—could be backed up
with documentary evidence if the need ever arose (highly unlikely).

F. Taking care of business. Shortly after you are hired, someone instructs you to “Go on
down to Personnel sometime today and sign all the forms,” or some such thing. Follow
through and make the visit as instructed and when you are confronted with the “Social
Security Benefits Eligibility Form,” i.e. the W-4, look it over very studiously and then
politely hand it back.

1. A plausible exchange. Here is a sample conversation that might ensue in such an

encounter:

New employee: No thanks. I prefer not to seek any Social Security benefits.
Personnel Clerk: Oh, but we need that filled out in order to hire you.
New employee: That’s not what I was told by Mr. Smith.
Personnel Clerk: What do you mean?
New employee: He told me I was hired already.
Personnel Clerk: Well, technically that’s true, but IRS requires us to give them a signed
W-4 from every new employee.
New employee: Are you sure about that?
Personnel Clerk: Oh, yes. I’ve been working here for over five years and every
employee must give us a competed and signed W-4.
New employee: Are you saying that what you are asking me to do is governed by the
Internal Revenue Code?
Personnel Clerk: Yes.
New employee: Well, I believe you are mistaken because the Internal Revenue Code
gives explicit instructions on the procedure to follow when a new
employee declines to provide a Social Security Account Number and it
does not involve trying to persuade the new employee to participate in
Social Security.
Personnel Clerk: This is getting out of control. I am not here to argue. Either fill out
and sign the W-4 or I will have to recommend that you not be hired.
New employee: I’m already hired.
Personnel Clerk: Well, then I will have to recommend that you be fired.
New employee: On what grounds?

12
Postal employees place mail in the P.O. Box indicated on the envelope, irrespective of the name of the addressee.

How to Get Paid All of Your Earnings 9

 Personnel Clerk: On the grounds that you will not do what I am asking you to do.
New employee: You are free to do that if you like, but you will be named as an
interested party in a lawsuit, along with your company, for wrongful
termination and numerous other crimes and violations of the
Constitution, and I will win because what I am saying is backed up by
the Social Security Administration, the Internal Revenue Code and the
Code of Federal Regulations and what you are doing is unlawful,
arbitrary, and not supported in law. Would you like to see the law
that governs such matters?
Personnel Clerk: This conversation is over. Please wait here.
[Leaves the room for a few minutes and returns with Mr. Cooper, the
head of the personnel department.]
New employee: Hi, Mr. Cooper.
Personnel Chief: What seems to be the problem Mr. Doe?
New employee: No problem for me. Miss Stewart just wanted me to sign up for Social
Security benefits and I declined her offer.
Personnel Chief: You mean you are unwilling to fill out a W-4 for our records?
New employee: The purpose of a W-4 is to keep track of Social Security benefits on
the money I earn here. Seeking benefits from Social Security is
voluntary and I choose not to seek such benefits.
Personnel Chief: I am surprised at you, Mr. Doe. You impressed me as a very
conscientious fellow, but I am afraid I am going to have to
recommend your dismissal.
New employee: You mean fire me?
Personnel Chief: That’s correct.
New employee: What for?
Personnel Chief: For being unwilling to follow the law and attempting to work in this
country illegally.
New employee: So you are saying that in order for me to work in America legally I am
compelled to disclose a Social Security number and seek Social
Security benefits?
Personnel Chief: Yes.
New employee: Are you an attorney, Mr. Cooper?
Personnel Chief: No.
New employee: Did you know that practicing law without a license is illegal and that
you just gave me a legal opinion? Do you know that you can go to
jail for practicing law without a license? [Silence—because Cooper
does not know what he is talking about.] What you just stated is
completely outside the prescriptions of the Internal Revenue Code and
the Code of Federal Regulations regarding an employee that does not
provide the employer with a Social Security Account Number.
Personnel Chief: I am not going to put up with this nonsense any longer. If you are not
willing to fill out a W-4, you will be fired.

How to Get Paid All of Your Earnings 10

 New employee: Very well, but you will be named as an interested party in a lawsuit
that will be immediately filed against you and your company, for
wrongful termination, denying employment without due process, and
other crimes and violations of the Constitution, and I will win because
what I am saying is backed up by the Internal Revenue Code, the
Code of Federal Regulations, and the Social Security Administration
and what you are proposing is unlawful, arbitrary, and not supported
in law. However, all that unpleasantness can be avoided if you will
show me the courtesy of a few minutes of your time to show you the
law governing these matters. I have a copy of the applicable sections
of the Internal Revenue Code and the Code of Federal Regulations as
well as the official position of the Social Security Administration. We
could wrap up this whole conversation in as little as five minutes.
Personnel Chief: Are you trying to tell me that the Internal Revenue Code supports
what you are saying?
New employee: I am. Would you like to see it?
Personnel Chief: [Hesitating] Okay. I am willing to take a look at what you’ve got, but
the first instance of any foolishness and this is over.
New employee: Fair enough. First of all, here is what Social Security says I can do
when you request a Social Security number from me. This is a
printout from the official Social Security Administration web site
telling people what to do when a business or other enterprise asks for
their Social Security number. Here is the question [points at the
highlighted question], and here is the answer [points out the
highlighted sections at the top of Page 2 of the printout—copy
enclosed here].
Personnel Chief: That’s all fine and dandy but we are forbidden to allow anyone work
here that does not have a SSAN on file.
New employee: Is that company policy?
Personnel Chief: No. That’s what the IRS requires us to do.
New employee: Allow me to show you the Internal Revenue Code and the
implementing regulations of the Code of Federal Regulations that
instruct the employer exactly what to do when the employer does not
have a Social Security Account Number for the employee. This is
section 2613 USC 6109(a)(3) of the Internal Revenue Code [shows a
printout of the actual code—copy enclosed here]. Notice that the
employer is only authorized to “request” a Social Security Account
Number. No other action by the employer is authorized by the Code.
This is section 26 CFR 301.6109-1(c) of the Code of Federal
Regulations, which prescribes exactly how the employer is required to
implement section 6109(a)(3) of the Internal Revenue Code.
Irrespective of anything else that may apply in the case of the
employee, this is the extent of what the employer is authorized to do.
Please read it carefully [personnel chief reads]. Notice that the
employer’s only lawful recourse is to sign and submit an affidavit on
the transmittal document forwarding returns, statements, and other
13
Title 26 of United States Code = Internal Revenue Code.

How to Get Paid All of Your Earnings 11

 such documents to the IRS. There is no provision for the employer to
take any other action, such as firing the employee or refusing to pay
him. Since I do not wish to apply for Social Security benefits, and
since the W-4 is the only official form on which the Social Security
number can be submitted, there is no reason to fill out the form.
Personnel Chief: This all looks very official, but I know for a fact that IRS would come
down on us if we allow you to work here without a Social Security
number.
New employee: You mean be penalized?
Personnel Chief: Yeah.
New employee: Do you know what the penalty is for an employer who fails to get a
Social Security Account Number from a new employee?
Personnel Chief: Not exactly.
New employee: A fifty-dollar fine. But the fifty bucks only comes into play if you fail to
report that you don’t have a number for a particular employee. Here
is the section of the Code that lays out the penalty and here is the
Code that provides a waiver of that penalty for those employers that
follow the Code and send in an affidavit [shows personnel chief a
highlighted printout of sections 6723 and 6724(a)].
Personnel Chief: Hmmm. This is too incredible to believe. You’ve made your point, so
I’m not going to fire you, but this has got to go above my head. I
can’t deal with this.
New employee: Your CPA should be able to verify everything.
Personnel Chief: Right. You’re still an employee for the time being, but this will have
to go through him or our attorney or both of them, as well as the boss.
New employee : No problem. Here are the printouts of the Code we looked at. You
are welcome to keep them. Meanwhile, I’d like to get started.
Personnel Chief: You are still hired provisionally, but that is subject to a final ruling on
the outcome of all this. You can work with Curtis Johnson until this is
settled. He is in room 201 on the second floor. He’s expecting you.
New employee: Thank you. I’ll head on up there.

2. Demeanor. Some cases will be much simpler and others much more difficult, if not
seemingly impossible—but pertinent issues always remain the same. That is why it
is relatively easy for anyone to be able to grasp the concepts and, using only the four
Code sections cited above, become fluent in the subject. The most important thing is
to maintain a cordial, genuine tone with those you speak with; getting someone mad
at you can wreck all the understanding you have established in an instant.

3. Sequence of events. Once someone is hired, he/she cannot be casually fired for an
unfounded reason without risking serious legal action. As shown just below, such
agencies as the Equal Employment Opportunity Commission may even get
interested in helping you. The fact that one is officially hired and called “employee” is
hard evidence of the illegitimacy of any attempt to then introduce a new, arbitrary
condition of employment after the fact of being hired. If providing a SSAN were truly
a requirement for employment, no one could be hired until he/she divulged a SSAN
and signed a W-4, an impossible state of affairs.
How to Get Paid All of Your Earnings 12
 4. Extortion. What you are up against is true organized crime: the Legal Masters of the
World have artfully convinced the employer that the employer is a slave and is
obligated to coerce and extort its employees on behalf of an uninvolved third party
(IRS) and overwhelm employees with “an offer they can’t refuse.”

G. Case Precedent. In a famous case involving a young man that did not want to obtain a
SSAN—based on religious convictions—as a condition of employment at Taco Bell after
being hired, the court ruled that the boy did not have to obtain a SSAN in order to retain
his right to work. The boy, 16-year-old Bruce Hanson, won a $10,000 judgment, but also
agreed not to work at Taco Bell, thus preserving Big Brother’s secret. In the court’s
dismissal of the defendant’s motion to dismiss of March 9, 1992, the court stated:

“However, the court is unaware of, and ISC does not cite any federal law that requires
termination of an employee because he or she refused to obtain a Social Security number.”
Equal Employment Opportunity Commission v. Information Systems Consulting
Case No. CA3-92-0169-T
U.S. District Court, Northern District of Texas, Dallas Division.

There is no inherent difference between an aversion to apply for a benefit (i.e. obtain and
provide a SSAN) based on religious convictions and one based on any other reason.
This is why Social Security Administration informs people—even after the SSAN is
acquired—that use of the number is always voluntary. If use of the number is always
voluntary, then no employer can lawfully introduce a new condition of employment (to
use/obtain a SSAN) after the fact of hiring someone and entering into an employment
contract.

H. The ultimate argument. The Constitution says that, “No State shall… pass any…Law
impairing the Obligation of Contracts…” (Article I, Section 10, Clause 6).

1. Unconstitutionality. After someone is hired, such as the boy in the Taco Bell case,
contractually speaking, the employer is bound by the agreed-upon terms and
conditions of the contract of employment with the new employee. If the Constitution
has anything to do with this, there can be no law (i.e. no law can be introduced) that
impairs the obligation of the contract of employment between employer and
employee—but this is what occurs every time one is coerced into providing a SSAN
in order to keep from being fired.

2. Non-existent law. The above reveals the pure unconstitutionality of one contracting
party, the employer, seeking to coerce the other contracting party, the new
employee, into applying for Social Security benefits by extorting a second contract
with an unrelated, outside third party (IRS) by claiming existence of a law that
mandates such act and making such act a requirement in order for the employer to
honor the terms of the original contract. Constitutionally speaking, after entering into
an employment contract with a new employee, no employer can claim the existence
of any law that impairs the employer’s contractual obligations in the contract. The
reason this is true is because there is, in fact, no such law that allows it. The
disinformation inculcated into the collective consciousness of American employers
(vigorously assisted by esquires 14) cannot be supported by the factual existence of
any such law.
14
Esquire: A man belonging to the higher order of English gentry, ranking immediately below a knight…. Applied
to various officers in the service of a king… In the U.S. the title belongs officially to lawyers… Oxfo rd English
Dictionary (1979).

How to Get Paid All of Your Earnings 13

 3. Supreme Court. This issue has never been asserted in a court of law, but its time
has come and this is what must be claimed. Based on the truth and gravity of this
issue, any such move will undoubtedly invoke maximum resistance—but the simple
truth of this contention cannot be denied and a jury should be able to be convinced of
it based on the evidence. The Supreme Court would blow IRS’s cover by making a
ruling on the unconstitutionality of such practice—blatant use of a non-existent “law”
(IRC) that impairs the obligation of a contract—and that bridge will likely have to be
crossed as this issue continues to arise with employers.

I. The task at hand. This is not a fair fight, and it was never intended to be a fair fight. We
have been under martial law since March 27, 1861 when representatives from the seven
Southern States walked out of congress (leaving congress without a quorum to adjourn)
and Lincoln took over as commander-in-chief of the military and issued the first Executive
Order (command). Things have gone downhill since then. Our gold has been swindled
and we have been converted into indentured servants and given a number to use in
order to obtain “credit” and “benefits” and work our whole life on the new plantation to pay
off an ever-increasing imaginary debt (the so-called “National Debt”).

J. Ingredients for success. If you are to prevail against the odds and not be forced into
“volunteering” for Social Security benefits against your will in order to keep from being
fired by an employer, it may require a Herculean effort, including an explanation of what
legal steps you will take if the employer does not follow the law and do the right thing.
When you keep insisting that the employer follow the law and are unwavering in your
resolve, many antagonists will eventually hear the truth in your urgings and capitulate
and honor your wishes. Unfortunately, there will always be a small few that do not—but
there is already a multitude of successes from people with much less ammunition to work
with than is revealed here. In nearly every instance, their success stems from their
unflagging certainty of the rightness of their position, combined with enough evidence to
convince the employer of the legitimacy of what they were proposing.

K. IRS “bait and switch”. The income-tax hook is baited with Social Security benefits; i.e. if
you want eligibility for Social Security benefits you have to do business with IRS, who
then converts the SSAN into a taxpayer identification number and compels the employer
to waylay your paycheck however IRS sees fit. The IRS Form W-4 is the official vehicle
for an employee to apply for Social Security benefits at his/her place of employment—
and, per IRC, there is no other way for an employee to notify IRS. Therefore, both
theoretically and practically speaking, if an employee does not want Social Security
benefits on his earnings, there is no reason to notify IRS and provide a SSAN. That this
decision also happens to short-circuit Big Brother’s dreams of as much as 40% – 60% of
an employee’s paycheck is an unavoidable consequence. If an employee does not want
Social Security benefits—benefits that can only be obtained through voluntary enrollment
and participation in the Social Security retirement program—no law can compel the
employee to volunteer a SSAN on an IRS form and seek such benefits.

L. Following Through. Let us say things result in a meeting with an executive of the firm.
The exec can be handled via Registered Mail-Affidavit of Mailing maybe more easily than
he/she can with a personal meeting, but when the time comes you need to be fully
prepared for anything and armed with the original of at least one letter from one of your
congressmen, and a certified copy of said letter (using a “Copy Certification by Document
Custodian” form 15) for any company officer you may have to deal with.

15
See paragraph “C” on page 206 of Cracking the Code Third Edition for an explanation of the use of this form.

How to Get Paid All of Your Earnings 14

 1. Write your congressmen 16 now. Upon reading these words it is critical that you
immediately draft and mail a letter for each of your senators and your U.S.
representative that contains no more than two of the questions listed below. 17 Each
letter should be as brief as possible and have a simple, plausible, compelling theme
encapsulated (ideally) in one sentence (not more than two) that is deserving of an
answer. [Note: The terms “American citizen” and “America” may be interchanged
with “United States citizen” and “United States,” respectively.]:

? “Is a United States citizen required to obtain a Social Security number in order to live
and work in the United States?”
? “Is an American citizen required to provide a Social Security number in order to live
and work in America?”
? “If I already have a Social Security number, is there any law that requires that I
participate in Social Security where I work?”
? “Is there any law that requires a United States citizen to provide a Social Security
number to be eligible for a benefit he does not desire?”
? “Is there any law prohibiting a United States citizen from working in the United States
if he does not desire Social Security benefits?”
? “Does an employer have the right to compel an employee to provide a Social Security
number?”
? “Is there any law that allows an employer to compel an employee to provide a Social
Security number in order to retain his job?”
? “Is there any law that allows an employer to refuse to pay an employee all of his
earnings if the employee does not provide a Social Security number?”
? Is there any law that authorizes an employer to fire a new employee or withhold any of
his pay if the new employee declines to provide a Social Security number and
participate in Social Security?
? Is there any law that allows an employer to compel a new employee to provide a
Social Security number and participate in Social Security if the new employee does
not want Social Security benefits?
? Is there any law that requires a U.S. citizen to reveal his Social Security number in
order to participate in the Social Security program where he works if he does not want
to accumulate credit toward, and be eligible for, Social Security benefits on the money
he earns there?

2. Properties of your letters. The above questions are well thought out and are
designed to elicit a meaningful answer by piercing any veneer that might be used to
gloss over such inquiries. Therefore, it is recommended that you not introduce
alterations. Notice that the subjects of “IRS” and “W-4” are never mentioned—only
Social Security-related issues. Since Social Security is the advertised reason for
filling out a W-4, the issue of Social Security is all that is addressed. The shorter and
more coherent, courteous, and ingenuous 18 the letter, 19 the better the response you

16
Visit http://www.civilrightsforum.org/cra/links.html for the DC address of all senators and representatives.
17
It is best to send your congressmen a duplicate letter at both their Washington, D.C. and local address; i.e. a total
of six letters: two for each senator and two for your representative.
18
Ingenuous: Candid, frank, or open in character and quality; free from disguise; innocent; artless.

How to Get Paid All of Your Earnings 15

 will receive—and it is unwritten policy that all letters from constituents be answered
(usually within 30 days). Antagonistic letters may be met with a polite, hollow reply or
ignored altogether, so avoid such approach.

3. Official, overwhelming validation. Do not be surprised if the answer you receive

contains the exact statement you are hoping for.20 Response letters from
congressmen can be sent in and posted on the UCCSG web site for all to see and
benefit from. Letters can then be downloaded and printed out (on a color printer,
ideally) by anyone, and a whole book of congressional responses can be compiled to
use in convincing even the most stubborn of employers.

M. Handling things in writing. An employer (i.e. any of the employer’s officers) can be
handled with either/both of two types of written communication if necessary: affidavit21;
and letter.

1. Affidavits. The purpose of any affidavit used herein is twofold:

(a) To establish a paper trail of evidence proving one’s intent—i.e. that one does not
wish to volunteer for eligibility for Social Security benefits from the earnings one
collects from a particular employer; and

(b) To let the employer know that one cannot be muscled into “volunteering” to
participate in Social Security and is capable of seeking legal remedies against the
employer, foremost of which is breach of contract.

2. Letters. The purpose of any letter is to state demands based on official policy of SSA,
applicable sections of IRC and CFR, and personal responses from congressmen.
Such demand letters should also have a (color) photocopy of all documents cited
within (SSA policy and IRC and CFR sections are attached herewith), as well as a
certified (color) copy of any letter from a congressman (using a “Copy Certification by
Document Custodian” form, as mentioned above).

3. Documenting your position. Even when a company officer is personally handed

written communication by you, if there is any doubt whatsoever concerning the
eventual outcome of the employment situation, cover yourself by sending the same
written communication by Registered Mail, Restricted Delivery, Return Receipt
Requested, Affidavit of Mailing, thus enabling you to prove that the company officer
received it. Remember: No matter how easy this may turn out to be in the end, you
must be prepared for the absolute worst in the beginning and every step of the way
thereafter—and building a paper trail of evidence is the most prudent way to go about
it. You are showing the employer that the actions taken by the employer against
other reluctant SSAN holders for all these years is strictly on the employer’s own
determinism and is not authorized by law. There cannot be too many employers that
are happy to discover this, but many who will be heartened to do the right thing and
follow the law from here on out.

19
This is also the perfect opportunity to establish a new return address that does not link up your TRADE NAME
and address with the TRADE NAME’S SSAN in an IRS database (because your employer will see the response
letter you receive from your congressmen).
20
For those fortunate enough to be in Representative Ron Paul’s district in Texas, you should get a strong response.
[Note: It is not unreasonable for any Texan to write Ron Paul and seek answers for these questions.]
21
See “Affidavit Properties” in the Document Archive section of www.uccsg.com for a treatment of the nature and
of characteristics of an affidavit.

How to Get Paid All of Your Earnings 16

II. Current Employers and Voluntary Compliance with the Law.

A. Currently employed. Although this can be a much more difficult situation to remedy than
the one discussed in Part I (where the employer does not have a SSAN for a new
employee), the fundamental issues are the same and anyone in this latter category that
has not read pages 1 through 16 in entirety needs to do so before continuing with this
Part.

B. The nature of the beast. Nearly all people who are currently employed and want to
withdraw from participation in the Social Security retirement benefits program are seeing
between 30% and 50% of their paycheck disappear (some are losing more) as a direct
result of their employer having their SSAN on a signed IRS Form W-4 Employee’s
Withholding Allowance Certificate. This apparently innocent little document is actually
the cornerstone of the entire Federal Reserve System confidence game (initiated
November 22, 1910 in Jeckyll Island, Georgia and memorialized December 23, 1913 in
the Federal Reserve Act of 1913), because without ongoing, unfettered exploitation of
unwitting “volunteers” via the W-4, the inherently fraudulent nature of the financial system
is exposed. As revealed in Cracking the Code Third Edition, all money is literally
borrowed into existence; i.e. no bank actually ever loans anything of value (is forbidden
to do so by banking regulations) in a so-called “loan transaction.” The so-called loan is
funded by the alleged borrower’s promise-to-pay (promissory note; credit application),
which is treated as a deposit (just like any other deposit in a demand deposit account—
e.g. checking, savings) and then converted into Federal Reserve Notes without the
alleged borrower’s knowledge or consent and returned as the “loan” (the foregoing
procedure is verifiable with any CPA). Unless vast sums of Federal Reserve Notes
(FRN’s) are regularly extracted from circulation in the form of income and other types of
taxes (various fines associated with use of FRN’s that accrue for the benefit of the
owners of the FRN’s) the money supply goes out the roof and rampant inflation22 ensues.
Such events do not take place in a substance-backed monetary system (such as the
gold-backed system that this country enjoyed until as recently as 1913) and reflect on the
intentions and activities of the custodians of the private money supply (Fed owners and
operators) and can lead to serious demands for accountability from the constituency
(such as recently seen in Argentina and other South American countries, all of which now
embrace other lawful, alternative forms of money, money substitutes, and systems of
barter). FRN’s extracted from the paychecks of hundreds of millions of American
employees constitute the bulk of the foundation of Big Brother’s ability to continue to
operate the Federal Reserve confidence game. Deciding to opt out of the Social Security
Ponzi scheme and completely and lawfully remove all of one’s earnings from the realm of
taxation is not something that is looked upon kindly by Big Brother’s legions (e.g. CPA’s,
attorneys of all kinds, judges, government officials, etc. whose economic existence is
predicated on the survival of the system) and can generate massive resistance (because
it signals the beginning of the end of Federal Reserve domination and control). When
you undertake to handle a current employer and get the employer to honor your wishes
to cease participating in Social Security, this is the monster that you seek to escape. Its
propensity for blind hatred and lawlessness toward upstart slaves (you) is not to be
underestimated.

22
Inflation is an economic condition wherein there is relatively more money available to buy products than there are
products available for sale (seller’s market; e.g. the Roaring 20’s). Deflation is an economic condition wherein there
is a relative abundance of products for sale, but not enough money available with which to purchase them (buyer’s
market; e.g. the Great Depression).

How to Get Paid All of Your Earnings 17

C. The route out. You have “volunteered” to participate in the Social Security retirement
benefits program by placing your TRADE NAME’S SSAN on a signed W-4, a sworn
proclamation that you are taxpayer and liable for the income tax. Your saving grace (and
route out) is the fact that this is an unconscionable bargain, 23 established not via just one,
but all five factors that vitiate24 a contract by nullification of the consent factor: duress;
menace; fraud; undue influence; and mistake (attached herewith25). Your task is to show
your employer how each of these points is binding you detrimentally against your will and
thereby obtain the employer’s agreement to honor the fact of the legal non-existence of
the ink marks and data on the W-4.

D. Documents. The following can be undertaken both verbally and in writing; the magnitude
of the opposition one is faced with dictates which method is more appropriate, if not both.

1. Official endorsement. Immediately draft a letter for your senators and representative
in congress as described in paragraphs “L.1” through “L.3” beginning on page 15 of
this essay and obtain as many favorable responses as possible. There is nothing
prohibiting you from also writing the Commissioner of Social Security, the general
counsel of the Social Security Administration, and any other similarly involved
official—because all are hamstrung26 by the nature of the questions appearing on
page 15 and cannot answer truthfully without helping your cause.

(a) Send in favorable responses from congressmen and government officials by

scanning and emailing or by color photocopying and snail-mailing such letters for
posting on the www.uccsg.com web site under “Congressional Responses” in the
Document Archive section.

(b) Check under “Congressional Responses” in the Document Archive section at

www.uccsg.com for letters from government officials confirming the voluntary
nature of use of a Social Security Account Number and download and print a
color copy for use in handling your employer.

2. Affidavit. Immediately begin composing an affidavit that is in conformity with

“Affidavit Properties” and “Sample Affidavit with Instructions” in the Document Archive
section of www.uccsg.com. A sworn affidavit constitutes evidence (testimony), and
this affidavit must document:

(a) Vitiating factors. The fact of duress, menace, fraud, undue influence, and
mistake—each taken up individually in its own separately numbered paragraph(s)
in intimate, moment-to-moment detail (unfolding like a motion picture in
sequence, clarity, and vividness)—that is responsible for the W-4 and SSAN
currently on file at IRS courtesy of the employer. Consult a dictionary for the
exact meaning of each of the above five terms to ensure absolute accuracy in the
affidavit. Include all events and all parties (e.g. media article/stories, school
teachers, politicians, IRS personnel/literature, etc.) influencing your decision to
provide a SSAN and sign the W-4. If you are unable to determine exactly how
one of the five factors bears upon your situation, omit any discussion of such
point in the affidavit.
23
Unconscionable bargain: A contract which no man in his senses, not under delusion, would make, on the one hand,
and which no fair and honest man would accept, on the other. Black’s Law Dictionary, First Edition (1891).
24
Vitiate: To make legally ineffective.
25
See also contract in Glossary.
26
Hamstrung: Made ineffective or powerless.

How to Get Paid All of Your Earnings 18

 (b) Void W-4. The fact that the ink marks and signature appearing on the original,
subject W-4 in question (and the toner marks on any photocopy of the original W-
4 in the possession of the employer) are not your ink marks and signature per all
applicable points listed in subparagraph “2(a)” immediately above, thus nullifying
any alleged effectiveness of said document. The affidavit must positively state
these facts.

(c) No authorization. Now that the W-4 contract is voided, any use/disclosure of the
SSAN by the employer is not authorized and any and all unauthorized use/
disclosure of the SSAN is expressly forbidden and so stated.

3. Demand letter. Although some employers/employer personnel can be successfully

handled on the points discussed below using only dialogue, nothing is guaranteed
and generally this is not known until after the fact. Therefore, to maximize chances of
success, construct a demand letter in accordance with paragraph “M.2” on page 16
and also consider the following:

(a) Heading. Generally not advisable to place any type of heading on a letter, but
there may be circumstances where this is appropriate.

(b) Contents. The letter needs to cite applicable sections from attached (and
certified/notarized, where possible/appropriate) documentation, and must make
definitive demands based on:

(i) Statutory code re contracts (citing the five points that can vitiate a contract);

(ii) SSA policy from the official SSA web site (re the fact of “mistake”);

(iii) Applicable sections of IRC and CFR (granted, this may appear to be a moot
point, and may be omitted if desired, but these issues can be used to show
the employer what the employer needs to do from this point forward, and may
cause the employer to reconsider the employer’s stance on the W-4 currently
on file);

(iv) Favorable quotes in any letter from any government official;

(v) Article I, Section 10, Clause 6 of the Constitution of the United States (of
America); and

(vi) Evidence contained in the affidavit described immediately above in paragraph

“D.2.”

(c) Intention. Without provoking the employer unduly, your written communication
should reflect a quiet resolve to pursue matters via legal means if necessary.

(d) Transmission. Different types of personnel present different obstacles:

sometimes it is sufficient to hand over documentation in person (as in a meeting),
and other times it is best to use Registered Mail. Analyze your options carefully
and choose the most advantageous approach with each personnel. Generally, if
there is any doubt whatsoever about the outcome of your situation, including a
potential reversal of a positive current state of affairs, you must, in order to create
a paper trail you can rely on to document your position and keep the employer on
the employer’s best behavior, immediately send any and all concerned personnel

How to Get Paid All of Your Earnings 19

 the same documentation by Registered Mail, Restricted Delivery, Return Receipt
Requested, Affidavit of Mailing. You never want to shoot yourself in the foot by
giving the impression of overkill, however, so any such mailing is best tempered
with a simple cover letter citing the meeting and that this is merely your way of
obtaining official confirmation of receipt of documents.

D. Preparedness. Remember what is at stake and never underestimate what objections

may need to be fielded and defused through documentary evidence in any meeting with
any personnel. In short, you need to be fully prepared for the absolute worst from the
very beginning.

E. Demeanor. As stated in Part I, get someone mad at you and you can destroy all the
positive gains you make. You do not want to come off as a milquetoast, 27 but you also
do not want to use any more effort and insistence than is necessary to get the desired
result. Always conduct yourself in a calm, courteous manner, no matter the provocation.
The party that shows the most level-headedness usually prevails. You are holding all the
Aces; the only way to blow things is if you do not know it.

F. Legal action. The main wrong being committed by an employer in such a situation is
violation of privacy via unauthorized use of the SSAN. The W-4 is invalidated by the
affidavit (evidence) and lawfully cannot be superseded by anything less than a point-for-
point counteraffidavit sworn true, correct, and complete. In the event the employer
chooses to continue to conspire with IRS and use and disclose private information after
notification of lawful negation of the alleged W-4 (the alleged W-4 is no longer signed and
the SSAN no longer appears on the alleged W-4 once the affidavit is notarized and
served on the employer and goes unrebutted), it is not unreasonable to consider legal
action based on the correctness of your position as established in the documents
referenced in paragraph “D.3.(b)” on page 19 of this essay.

G. Criminal matters. Once any alleged authorization to use/disclose the SSAN is nullified by
vitiating factors that are attested in a sworn affidavit, the employer has no legal basis to
continue to use/disclose said SSAN, irrespective of any acts apparently compelled of the
employer by IRC, and any such further unauthorized use/disclosure is willful. Title 42
United States Code, Chapter 7, Subchapter II, Section 408 is very clear on the penalties
for illegal use/disclosure of a SSAN:

“(a) In general… Whoever… (8) discloses, uses, or compels the disclosure of the social
security number of any person in violation of the laws of the United States; shall be guilty of a
felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more
than five years, or both.” 42 USC 408 Penalties

Also, should an employer illegally seek to compel a new employee to disclose a SSAN—
e.g. to compel the employee seek Social Security benefits against his/her will—as a
condition of employment, the above statute also appears to have applicability.

27
Milquetoast: Any timid or excessively apologetic person.

How to Get Paid All of Your Earnings 20

 Sodal SecurityOnline

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Answer ID When do I have to provide my Social Security number?

78
Date of Last Update Question
07/03/2002 03:29 PM Must I provide a Social Security number (SSN) to any business or
government agency that asks?
A Print Answer Answer
The Social Security number (SSN) was originally devised to keep
E-mail This To a Friend an accurate record of each individual’s earnings, and to
subsequently monitor benefits paid under the Social Security
program. However, use of the SSN as a general identifier has
grown to the point where it is the most commonly used and
convenient identifier for all types of record-keeping systems in the
United States.

Specific laws require a person to provide his/her SSN for certain

purposes. While we cannot give you a comprehensive list of all
situations where an SSN might be required or requested, an SSN is
required/requested by:

· Internal Revenue Service for tax returns and federal loans

· Employers for wage and tax reporting purposes
· States for the school lunch program
· Banks for monetary transactions
· Veterans Administration as a hospital admission number
· Department of Labor for workers’ compensation
· Department of Education for Student Loans
· States to administer any tax, general public assistance, motor
vehicle or drivers license law within its jurisdiction
· States for child support enforcement
· States for commercial driver’s licenses
· States for Food Stamps
· States for Medicaid
· States for Unemployment Compensation
· States for Temporary Assistance to Needy Families

How to Get Paid All of Your Earnings 21

 · U.S. Treasury for U.S. Savings Bonds

The Privacy Act regulates the use of SSNs by government

agencies. When a Federal, State, or local government agency asks
an individual to disclose his or her Social Security number, the
Privacy Act requires the agency to inform the person of the
following: the statutory or other authority for requesting the
information; whether disclosure is mandatory or voluntary; what
uses will be made of the information; and the consequences, if any,
of failure to provide the information.

If a business or other enterprise asks you for your SSN, you can
refuse to give it. However, that may mean doing without the
purchase or service for which your number was requested. For
example, utility companies and other services ask for a Social
Security number, but do not need it; they can do a credit check or
identify the person in their records by alternative means. Giving
your number is voluntary, even when you are asked for the number
directly. If requested, you should ask why your number is needed,
how your number will be used, what law requires you to give your
number and what the consequences are if you refuse. The answers
to these questions can help you decide if you want to give your
Social Security number. The decision is yours.

For more detailed information, we recommend the publication at

http://www.ssa.gov/pubs/10002.html
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How to Get Paid All of Your Earnings 22

Laws: Cases and Codes : U.S. Code: Title 26: Section

search Title 26
HELP

? TITLE 26 - INTERNAL REVENUE CODE U.S. Code as of: 01/05/99

(Notes)
o SUBTITLE F - PROCEDURE AND ADMINISTRATION
(Notes)
? CHAPTER 61 - INFORMATION AND RETURNS
(Notes) Tax Law Guide
? SUBCHAPTER A - RETURNS AND RECORDS
(Notes)
? PART I - RECORDS, STATEMENTS, Tax Articles and
AND SPECIAL RETURNS
(Notes) Documents

Tax Discussion
n (a) Supplying of identifying numbers
When required by regulations prescribed by the Secretary:
(1) Inclusion in returns
Any person required under the authority of this title to make a
return, statement, or other document shall include in such
return, statement, or other document such identifying number as
may be prescribed for securing proper identification of such
person.
(2) Furnishing number to other persons
Any person with respect to whom a return, statement, or other
document is required under the authority of this title to be made
by another person or whose identifying number is required to be
shown on a return of another person shall furnish to such other
person such identifying number as may be prescribed for securing
his proper identification.
(3) Furnishing number of another person
Any person required under the authority of this title to make a
return, statement, or other document with respect to another
person shall request from such other person, and shall include in
any such return, statement, or other document, such identifying
number as may be prescribed for securing proper identification of
such other person.

How to Get Paid All of Your Earnings 23

 Electronic Code of Federal Regulations
e -ent T \1

THIS DATA CURRENT AS OF THE FEDERAL REGISTER DATED NOVEMBER 20, 2002

26 CFR - CHAPTER I - PART 301

View Part
§ 301.6109-1 Identifying numbers.

(c) Requirement to furnish another's number. Every person required under this title to
make a return, statement, or other document must furnish such taxpayer identifying
numbers of other U.S. persons and foreign persons that are described in paragraph
(b)(2)(i), (ii), (iii), or (vi) of this section as required by the forms and the accompanying
instructions. The taxpayer identifying number of any person furnishing a withholding
certificate referred to in paragraph (b)(2)(vi) of this section shall also be furnished if it is
actually known to the person making a return, statement, or other document described
in this paragraph (c). If the person making the return, statement, or other document does
not know the taxpayer identifying number of the other person, and such other person is
one that is described in paragraph (b)(2)(i), (ii), (iii), or (vi) of this section, such person
must request the other person's number. The request should state that the identifying
number is required to be furnished under authority of law. When the person making the
return, statement, or other document does not know the number of the other person,
and has complied with the request provision of this paragraph (c), such person must
sign an affidavit on the transmittal document forwarding such returns, statements, or
other documents to the Internal Revenue Service, so stating. A person required to file a
taxpayer identifying number shall correct any errors in such filing when such person's
attention has been drawn to them.

How to Get Paid All of Your Earnings 24

 ? U.S.C. TITLE 26 - INTERNAL REVENUE CODE
o Subtitle F - Procedure and Administration
? CHAPTER 68 - ADDITIONS TO THE TAX, ADDITIONAL
AMOUNTS, AND
? Subchapter B - Assessable Penalties
? PART II - FAILURE TO COMPLY WITH
CERTAIN INFORMATION REPORTING

Section Previous Next

Notes. SeeIion Section

§ 6723. Failure to comply with other information reporting requirements

In the case of a failure by any person to comply with a specified information reporting requirement on
or before the time prescribed therefor, such person shall pay a penalty of $50 for each such failure, but
the total amount imposed on such person for all such failures during any calendar year shall not
exceed $100,000.

How to Get Paid All of Your Earnings 25

Laws: Cases and Codes : U.S. Code : Title 26 : Section 6724

Search Title 26

? United States Code

o TITLE 26 - INTERNAL REVENUE CODE
? SUBTITLE F - PROCEDURE AND ADMINISTRATION
? CHAPTER 68 - ADDITIONS TO THE TAX, ADDITIONAL AMOUNTS,
AND ASSESSABLE PENALTIES
? SUBCHAPTER B - ASSESSABLE PENA LTIES
? PART II - FAILURE TO COMPLY WITH CERTAIN
INFORMATION REPORTING REQUIREMENTS

U.S. Code as of: 01/02/01

Section 6724. Waiver; definitions and special rules

(a) Reasonable cause waiver

No penalty shall be imposed under this part with respect to any
failure if it is shown that such failure is due to reasonable cause
and not to willful neglect.
(b) Payment of penalty
Any penalty imposed by this part shall be paid on notice and
demand by the Secretary and in the same manner as tax.
(c) Special rule for failure to meet magnetic media requirements
No penalty shall be imposed under section 6721 solely by reason
of any failure to comply with the requirements of the regulations
prescribed under section 6011(e)(2), except to the extent that such
a failure occurs with respect to more than 250 information returns
(more than 100 information returns in the case of a partnership
having more than 100 partners).
(d) Definitions
For purposes of this part -
(1) Information return
The term ''information return'' means -
(A) any statement of the amount of payments to another person
required by -
(i) section 6041(a) or (b) (relating to certain information
at source),
(ii) section 6042(a)(1) (relating to payments of
dividends),
(iii) section 6044(a)(1) (relating to payments of patronage

How to Get Paid All of Your Earnings 26

CALIFORNIA CODES
CIVIL CODE
SECTION 1565-1590

1565. The consent of the parties to a contract must be:

1. Free;
2. Mutual; and,
3. Communicated by each to the other.

1566. A consent which is not free is nevertheless not absolutely

void, but may be rescinded by the parties, in the manner prescribed
by the Chapter on Rescission.

1567. An apparent consent is not real or free when obtained

through:
1. Duress;
2. Menace;
3. Fraud;
4. Undue influence; or,
5. Mistake.

1568. Consent is deemed to have been obtained through one of the

causes mentioned in the last section only when it would not have been
given had such cause not existed.

1569. Duress consists in:

1. Unlawful confinement of the person of the party, or of the
husband or wife of such party, or of an ancestor, descendant, or
adopted child of such party, husband, or wife;
2. Unlawful detention of the property of any such person; or,
3. Confinement of such person, lawful in form, but fraudulently
obtained, or fraudulently made unjustly harrassing or oppressive.

1570. Menace consists in a threat:

1. Of such duress as is specified in Subdivisions 1 and 3 of the
last section;
2. Of unlawful and violent injury to the person or property of any
such person as is specified in the last section; or,
3. Of injury to the character of any such person.

1571. Fraud is either actual or constructive.

1572. Actual fraud, within the meaning of this Chapter, consists in

How to Get Paid All of Your Earnings 27

JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222

March 28, 2002

Non-Negotiable John Henry Doe©
Post Office Box 9999
Los Angeles, CA 90010

RESPONDENT’S PRIVATE, INTERNATIONAL, ADMINISTRATIVE REMEDY DEMAND NO. JHD-032802-JJ

For: JACK JONES, a Debt Collector Via U.S.P.S. Registered Mail Article No.
CHASE, MANN & HATT MORTGAGE CORPORATION RR777888999US
5143 Tunnel Vision Drive
Columbus, OH 43222
Re: Written communication from CHASE, MANN & HATT MORTGAGE CORPORATION, hereinafter “Debt Collector,” dated
March 15, 2002, a copy of which is attached herewith, made fully part hereof, and included herein by reference

NOTICE BY WRITTEN COMMUNICATION / SECURITY AGREEMENT

This Notice by Written Communication/Security Agreement, hereinafter “Notice by Written Communication,” provides
JACK JONES, hereinafter “User,” notice that alleged debtor, i.e. “JOHN H. DOE,” is a common-law-copyrighted trade-
name/trade-mark of John Henry Doe©, hereinafter “Secured Party,” and that any unauthorized use of JOHN H. DOE© by
User constitutes copyright/trade-name/trade-mark infringement, and all such use is strictly prohibited.
All rights reserved re common-law copyright of trade-name/trade-mark, JOHN HENRY DOE©—as well as any and all
derivatives and variations in the spelling of said trade-name/trade-mark—Copyright © 1973 by John Henry Doe©. Said
trade-name/trade-mark, JOHN HENRY DOE©, may neither be used, nor reproduced, neither in whole nor in part, nor in any
manner whatsoever, without the prior, express, written consent and acknowledgement of John Henry Doe©, subscribed with
the hand-signed, red-ink signature of John Henry Doe©, hereinafter “Secured Party.”
With the intent of being contractually bound, any juristic person, e.g. JACK JONES and CHASE, MANN & HATT
MORTGAGE CORPORATION, as well as any agent and any principal of said juristic person, consents and agrees by this
Notice by Written Communication that neither said juristic person, nor any agent, nor any principal of said juristic person,
shall display, nor otherwise use in any manner, the common-law trade-name/trade-mark JOHN HENRY DOE©, nor any
derivative of, nor any variation in the spelling of, said trade-name/trade-mark, nor the common-law copyright described
herein, without the prior, express, written consent and acknowledgment of Secured Party, subscribed with Secured Party’s
hand-signed signature in red ink. Secured Party neither grants, nor implies, nor otherwise gives consent for any
unauthorized use of JOHN H. DOE©, and all such unauthorized use is strictly prohibited. Secured Party is not now, nor has
Secured Party ever been, an accommodation party, nor a surety, for the alleged debtor, i.e. “JOHN H. DOE,” nor for any
derivative of, nor for any variation in the spelling of, said name, nor for any other juristic person, and is so-indemnified and
held harmless by JOHN H. DOE © in Hold-harmless and Indemnity Agreement No. JHD-050690-HHIA dated the Sixth Day of
the Fifth Month in the Year of Our Lord One Thousand Nine Hundred Ninety against any and all claims, legal actions,
orders, warrants, judgments, demands, liabilities, losses, depositions, summonses, lawsuits, costs, fines, liens, levies,
penalties, damages, interests, and expenses whatsoever, both absolute and contingent, as are due and as might become
due, now existing and as might hereafter arise, and as might be suffered by, imposed on, and incurred by JOHN H. DOE©
for any and every reason, purpose, and cause whatsoever.
Self-executing Contract/Security Agreement in Event of Unauthorized Use: By this Notice by Written Communication,
both JACK JONES and CHASE, MANN & HATT MORTGAGE CORPORATION, hereinafter jointly and severally referenced
as “User” in this paragraph, consent and agree that any use of JOHN H. DOE© other than authorized use as set forth above
constitutes unauthorized use, counterfeiting, of Secured Party’s common-law-copyrighted property, contractually binds
User, renders this Notice by Written Communication a Security Agreement, hereinafter “Security Agreement,” wherein User
is debtor and John Henry Doe© is Secured Party, and signifies that User: (1) grants Secured Party a security interest in all of
User’s assets, land, and personal property and all of User’s rights in assets, land, and personal property in the sum certain
amount of $500,000.00 per each occurrence of use of Secured Party’s common-law-copyrighted trade-name/trade-mark,
JOHN HENRY DOE©, as well as for each and every use of any and all derivatives of, and variations in the spelling of, said
common-law trade-name/trade-mark, not excluding “John Henry Doe,” plus costs, plus triple damages; (2) authenticates this
Security Agreement wherein User is debtor and John Henry Doe© is Secured Party, and wherein User pledges all of User’s:
Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ
Page 1 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
assets; land; motor vehicles; aircraft; vessels; ships; trademarks; copyrights; patents; consumer goods; firearms; farm
products; inventory; equipment; money; investment property; commercial tort claims; letters of credit; letter-of-credit rights;
chattel paper; electronic chattel paper; tangible chattel paper; certificated securities; uncertificated securities; promissory
notes; payment intangibles; software; health-care-insurance receivables; instruments; deposit accounts; accounts;
documents; livestock; real estate and real property—including all buildings, structures, fixtures, and appurtenances situated
thereon, as well as affixed thereto; fixtures; manufactured homes; timber; crops; and as-extracted collateral, i.e. all oil, gas,
and other minerals, as well as any and all accounts arising from the sale of these substances, both at wellhead and
minehead; accessions, increases, and additions, replacements of, and substitutions for, any of the property described
hereinabove in this paragraph; products, produce, and proceeds of any of the property described hereinabove in this
paragraph; accounts, general intangibles, instruments, monies, payments, and contract rights, and all other rights, arising
out of sale, lease, and other disposition of any of the property described hereinabove in this paragraph; proceeds, including
insurance, bond, general intangibles, and accounts proceeds, from the sale, destruction, loss, and other disposition of any
of the property described hereinabove in this paragraph; records and data involving any of the property described
hereinabove in this paragraph, such as in the form of a writing, photograph, microfilm, microfiche, tape, electronic media,
and the like, together with all of User’s right, title, and interest in all computer software and hardware required for utilizing,
creating, maintaining, and processing any such records and data in any electronic media, and all of User’s rights in all such
foregoing property in this paragraph, now owned and hereafter acquired, now existing and hereafter arising, and wherever
located, as collateral to secure User’s contractual obligation in favor of Secured Party for User’s unauthorized use of
Secured Party’s common-law-copyrighted property; (3) consents and agrees that Secured Party may file a UCC Financing
Statement wherein User is debtor and John Henry Doe© is Secured Party; (4) consents and agrees that said UCC Financing
Statement described above in paragraph “(3)” is a continuing financing statement, and further consents and agrees with
Secured Party’s filing of any continuation statement necessary to maintain Secured Party’s perfected security interest in all
of User’s property and rights in property pledged as collateral in Security Agreement as described above in paragraph “(2),”
until User’s contractual obligation theretofore incurred has been fully satisfied; (5) authorizes Secured Party to file any UCC
Financing Statement, as described above in paragraphs “(3)” and “(4),” and any Security Agreement, as described above in
paragraph “(2),” both in the UCC filing office and at any county recorder’s office; (6) consents and agrees that any and all
such filings described in paragraphs “(4)” and “(5)” above are not, and may not be considered, bogus, and that User will not
claim that any such filing is bogus; (7) waives all defenses; (8) waives rights of presentment, notice of dishonor, and notice
of protest; and (9) appoints Secured Party as Authorized Representative for User, effective upon User’s default re User’s
contractual obligations in favor of Secured Party as set forth below under “Payment Terms” and “Default Terms,” granting
Secured Party full authority and power to engage in any and all actions on behalf of User including, but not limited to,
authentication of a record on behalf of User, as Secured Party, in accordance with Secured Party’s sole discretion, deems
appropriate, and, as regards any deposit account of any kind maintained with any bank in/under the name of User, and
likewise any deposit account maintained with any bank in/under the Taxpayer Identification Number of User,
notwithstanding the absence of User’s name as account-holder on any such deposit account maintained with any bank
in/under the Taxpayer Identification Number of User, grants Secured Party full authority and power to originate instructions
for said deposit-account bank and direct the disposition of funds in said deposit account by acting as signatory on said
deposit account without further consent of User and without liability, and User further consents and agrees that this
appointment of Secured Party as Authorized Representative for User, effective upon User’s default, is irrevocable and
coupled with a security interest. User further consents and agrees with all of the following additional terms: Payment Terms:
In accordance with fees for unauthorized use of JOHN H. DOE© as set forth above, User hereby consents and agrees that
User shall pay Secured Party all unauthorized-use fees in full within ten (10) days of the date User is sent Secured Party’s
invoice, hereinafter “Invoice,” itemizing said fees. Default Terms: In event of non-payment in full of all unauthorized-use
fees by User within ten (10) days of the date Invoice is sent, User shall be deemed in default and (a) all of User’s property
and rights in property pledged as collateral by User, as set forth above in paragraph “(2),” immediately becomes, i.e. is,
property of Secured Party; (b) Secured Party is appointed User’s Authorized Representative as set forth above in paragraph
“(9)”; and (c) User consents and agrees that Secured Party may take possession of, as well as otherwise dispose of in any
manner that Secured Party, in Secured Party’s sole discretion, deems appropriate, including, but not limited to, sale at
auction, at any time following User’s default, and without further notice, any and all of User’s former property and rights in
property formerly pledged as collateral by User, described above in paragraph “(2),” now property of Secured Party, in
respect of this Security Agreement, that Secured Party, again in Secured Party’s sole discretion, deems appropriate. Terms
for Curing Default: In event of default as set forth above under “Default Terms,” User can cure User’s default and avoid
strict foreclosure of any remainder of User’s former property that is neither in the possession of Secured Party, nor
otherwise disposed of by Secured Party, only by tendering payment within twenty (20) days of User’s default and only by
Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ
Page 2 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
payment in full of the balance of the sum certain amount owed by User, as noticed User in Invoice, that is not already paid
by Secured Party’s possession, sale, liquidation, and the like of User’s former property and rights in property pledged as
collateral to secure User’s obligation. Terms of Strict Foreclosure: User’s non-payment in full of all unauthorized-use fees
itemized in Invoice within said twenty- (20) day period for curing default as set forth above under “Terms for Curing Default”
authorizes Secured Party’s immediate non-judicial strict foreclosure on any and all remaining property and rights in property
formerly pledged as collateral by User, now property of Secured Party, which is not in the possession of, nor otherwise
disposed of by, Secured Party upon expiration of said twenty- (20) day default-curing period. Ownership subject to
copyright of common-law trade-name/trade-mark and security agreement and UCC Financing Statement filed with the UCC
filing office. Record Owner: John Henry Doe©, Autograph Common Law Copyright©1973.
Should any provision of this Notice by Written Communication be unenforceable, said unenforceable provision is hereby
severed from this Notice by Written Communication, but every remaining provision continues in full force and effect, and this
Notice by Written Communication is deemed modified in a manner that renders this Notice by Written Communication in full
force and effect. In all cases Secured Party continues without liability and is held harmless. Any prior communication,
written document, and the like by and between User and Secured Party containing any mistake of Secured Party is
invalidated thereby and of no force and effect, and may not be relied upon by User against Secured Party in this matter.
No consent of any kind is granted nor otherwise given re any matter offered/alleged/asserted by User, and Secured Party
withholds all consent. Secured Party will consider granting consent in favor of User only upon User’s full disclosure of any
and all consequences of any such granting of consent, accompanied by User’s commensurate attendant liability for the
veracity, relevance, and verifiability of any such disclosure, which liability is borne by User in the form of an authenticated
Security Agreement, wherein User is debtor and John Henry Doe© is Secured Party, that self-executes effective the moment
of Secured Party’s confirmation of any material inconsistency/deviation/discrepancy in the aforementioned resultant
consequences avowed by User, as determined solely by Secured Party in Secured Party’s sole discretion.
Alleged debtor, i.e. JOHN H. DOE©, does not take issue with the amount of any alleged debt; rather, alleged debtor asserts
that: the alleged debt is not valid; Secured Party holds a claim/security interest greater than any claim alleged by User, a
copy of which filed UCC Financing Statement evidencing such supreme claim and security interest is attached herewith,
made fully part hereof, and included herein by reference; and, as stated above, Secured Party is neither a surety, nor an
accommodation party, for alleged debtor, and may not be construed as functioning in such capacity under any
circumstances.
Further, this is a request for validation of any alleged debt and is not a request for a copy of any invoice, statement, bill,
agreement, alleged agreement, contract, alleged contract, and the like, nor is it a request for a copy of any notification of
assignment, negotiation/transfer of rights, nor is it a request for a copy of any other un-verified document/presentment
referencing said alleged debt. This request for validation of any alleged debt is a request for bona fide verification of any
alleged debt.
In accordance with law, only sworn affidavits, oaths, and depositions qualify as a verification of the lawful existence of a
bona fide debt. Absent such verification validating the alleged debt, and absent proof of a claim greater than that of
Secured Party, User “fails to state a claim upon which relief can be granted.” Wherefore, in accordance with the Fair Debt
Collection Practices Act, effective immediately upon User’s receipt of this Notice by Written Communication, User must
cease all collection/prosecution efforts against alleged debtor, Secured Party, and Secured Party’s secured private property.
User is hereby notified of the following Privacy Act Notice:
Privacy Act Notice
This written Notice by Written Communication constitutes User’s due-process notice and opportunity to be heard. Absent
compliance with all requirements set forth herein User is barred from using any defense of immunity from prosecution for
User’s actions, as well as the actions of User’s agents.
By this Notice By Written Communication, User, as well as User’s agents and principals, shall comply with the provisions of
the Privacy Act of 1974, as lawfully amended, 12 U.S.C. § 3401, the Right to Financial Privacy Act of 1978, as lawfully
amended, 5 U.S.C. § 552a, and the Third Party Summons Act, special procedures, 26 U.S.C. § 7609 as lawfully amended,
to assist Secured Party in keeping inviolate certain constitutionally protected privacy rights.
By this Notice By Written Communication, User, as well as User’s agents and principals, shall comply with this demand:
User shall provide Secured Party with a copy of any express, written authorization from Secured Party whereby User is

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 3 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
authorized to disclose/reveal/divulge/share with any third-party, in any manner, as well as by any means of communication,
any information, documentation, data, property, effects, and the like re alleged debtor, JOHN H. DOE©, and likewise
concerning Secured Party. User’s failure to provide said foregoing demanded authorization constitutes admission by User
that User is in violation of the Privacy Act, as well as other laws.
User possesses neither express, written authorization, nor consent, from alleged debtor, JOHN H. DOE©, nor Secured
Party, to use, reveal/disclose/divulge/share with any third party, and the like, any secured information, documentation, data,
property, effects, and the like of Secured Party.
This Notice By Written Communication is binding upon every principal and agent re the subject matter set forth herein, and
each principal and each agent is: (a) barred from providing any Credit Reporting Agency any derogatory credit information
regarding the above alleged debt; (b) prohibited from contacting alleged debtor by mail, by telephone, as well as in person,
both at alleged debtor’s residence, as well as at alleged debtor’s place of employment; and (c) prohibited from contacting
any other third party regarding the above-referenced alleged debt until User establishes the existence of a superior claim,
greater than that of Secured Party’s, and until said alleged debt is verified as indicated above and alleged debtor is provided
with any such verification. Note: the Fair Debt Collection Practices Act at 15 USC §1692 et seq. states in relevant part that:
“A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection
of any debt,” which includes “the false representation of the character, or legal status of any debt,” as well as “the threat to
take any action that cannot legally be taken,” all of which constitute violations of law. Therefore, User, as well as any
assignee, is prohibited from filing any lawsuit, notice of lien, notice of levy, and the like, as well as any other legal action
against alleged debtor, as well as against any of Secured Party’s secured private property, which is exempt from lien and
exempt from levy.
15 U.S.C. § 1692e(8) states: “Communicating or threatening to communicate to any person credit information which is
known or which should be known to be false, including the failure to communicate that a disputed debt is disputed, is a
violation of § 1692e.”
Further, User’s above-referenced written communication, if valid, constitutes an issue of public currency, and, alleged
debtor hereby requests from User, in accordance with the fundamental principals of American jurisprudence and law, bona
fide documentary evidence that establishes the lawful basis for User’s issue of said public currency and User’s claim for
payment of the alleged debt liability referenced within User’s written communication issuing the public currency and stating
the claim, i.e.: (a) bona fide identification of any person making request for payment by JOHN H. DOE©, including a copy of
said person’s bona fide, handwritten, legible, and notarized signature, and the thumbprint, from either hand, of said person
making request for payment by JOHN H. DOE©; (b) bona fide evidence of any said person’s authority to make a request for
payment by JOHN H. DOE©, if said person is acting on behalf of another; and (c) exhibition of the bona fide instrument, i.e.,
the bona fide commercial contract bearing the bona fide signature which supports User’s demand for payment of alleged
debt by JOHN H. DOE©, that, operating publicly, establishes User’s issue of public currency, allegedly collectable from any
of: (i) alleged debtor; (ii) alleged debtor’s assets, (iii) Secured Party; (iv) Secured Party’s secured private property; and (d)
positive law in support of User’s written attempt to collect alleged debt that, operating publicly, establishes User’s issue of
public currency collectable from any of: (i) alleged debtor; (ii) alleged debtor’s assets, (iii) Secured Party; (iv) Secured
Party’s secured private property.
Alleged debtor and Secured Party can and will lawfully construe User’s failure to comply with and satisfy essential
requirements of the Fair Debt Collection Practices Act and the above four (4) requests, i.e. “(a),” “(b),” “(c),” and “(d)” in the
paragraph immediately above, within a reasonable time, i.e. twenty-one (21) days, following User’s receipt of this written
communication, as User’s self-invalidation of User’s demand for payment. Verification of the alleged debt and satisfaction
of the aforementioned four (4) specific requests must be duly affirmed in the form of one of the following: (a) affidavit; (b)
oath; (c) deposition.
Until the alleged debt is verified in accordance with the Fair Debt Collection Practices Act and said verification is sent
alleged debtor and received by alleged debtor, each and every contact in violation of the Fair Debt Collection Practices Act
constitutes harassment and defamation of character and makes User, as well as any and all agents and principals who take
part in such harassment and defamation, a subject of liability for damages, as well as statutory damages, and legal fees, for
each and every violation, in private capacity.
User, JACK JONES, tacitly consents and agrees that JACK JONES has a duty to prevent this alleged account from
damaging both alleged debtor and Secured Party, and further consents and agrees that alleged debtor and Secured Party
each reserve the right to initiate a counterclaim, as well as a claim, against any of the following: JACK JONES‘S bond;
Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ
Page 4 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
JACK JONES‘S guarantor; any of JACK JONES‘S principals, agents, and assignees whose act(s)/omission(s) results in
either of the following: (a) tort damages against alleged debtor; (b) tort damages against Secured Party.
Due process of law is guaranteed both alleged debtor and Secured Party at Debt Collector’s Office of Risk Management,
and is codified at 18 USC §§ 1581, 242, 241, 4, at 15 USC § 1692, and elsewhere.
The attached written communication is Respondent’s response re User’s attempt, via written communication, to collect an
alleged debt.
This Notice by Written Communication/Security Agreement is herewith executed this Twenty-eighth Day of the Third Month
in the Year of Our Lord Two Thousand Two by and between the undersigned parties:
Debtor: JACK JONES
JACK JONES
Debtor’s Signature

Secured Party accepts Debtor’s signature in accord with UCC §§ 1-201(39), 3-401.
Secured Party: John Henry Doe©

________________________________________________
Secured Party’s Signature
Autograph Common Law Copyright © 1973 by John Henry Doe©. All Rights
Reserved. No part of this Autograph Common Law Copyright may be used,
nor reproduced in any manner, without prior, express, written consent and
acknowledgment of Secured Party , subscribed with Secured Party’s hand-
signed signature in red ink. Unauthorized use of “John Henry Doe” incurs
same unauthorized-use fees as those associated with JOHN HENRY DOE©,
as set forth above in paragraph “(1)” under “Self-executing Contract/Security
Agreement in Event of Unauthorized Use.” Enclosures: Copy of written
communication from C hase, Mann & Hatt Mortgage Corporation dated March
15, 2002; Published Copyright Notice; filed UCC Financing Statement;
Private Agreement; Hold-harmless and Indemnity Agreement; Security
Agreement.

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 5 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
JOHN H. DOE ©
P.O. Box 9999
Los Angeles, CA 90010
Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ
This Private International Administrative Remedy Demand No. JHD-032802-JJ is binding upon every principal and agent re
the subject matter set forth herein below.
Date: March 28, 2002
Via: U.S.P.S. Registered Mail Article No. RR777888999US
To: JACK JONES, doing business as a Debt Collector, hereinafter “Debt Collector”
CHASE, MANN & HATT MORTGAGE CORPORATION
5143 Tunnel Vision Drive
Columbus, OH 43222
Re: Debt Collector’s written communication, hereinafter “Written Communication,” dated March 15, 2002, referencing:
Alleged Creditor: CHASE, MANN & HATT MORTGAGE CORPORATION
Alleged Account No.: 001-23456789-96
Alleged Amount Due: $135,458.21
Subject: Tender of Payment and Notice of Reservation of Right to Initiate a Counterclaim and File a Claim against Bond.
1. Be it known by these presents that JOHN H. DOE©, Respondent, is in receipt of Debt Collector’s above-referenced
Written Communication , a true and correct copy of which is attached herewith, made fully part hereof, and included
herein by reference.
2. Respondent hereby gives Debt Collector Notice that this written communication is not a refusal to pay the alleged
debt implied by Written Communication, but constitutes express, written notice that:
(a) The above-referenced alleged debt is not valid;
(b) Debt Collector’s claim is disputed;
(c) Respondent does not take issue with the amount of alleged debt claimed; and that
(d) Upon receipt of this Notice, Debt Collector must cease all collection activity re the alleged account/debt until
Respondent is sent the herein-requested verification as required by the Fair Debt Collection Practices Act.
Tender of Payment
3. Respondent, without waiver of any defense, and for the purpose of resolving this matter in good faith, hereby tenders
payment in the form of a Certified Promissory Note, accompanied by Offer of Performance, both of which are
attached herewith, made fully part hereof, and included herein by reference, for the purpose of discharging the
alleged debt as stated within Debt Collector’s above-referenced Written Communication.
4. Respondent retains original of Debt Collector’s Written Communication as proof Respondent has not dishonored
Debt Collector’s Written Communication, nor in any way acted in bad faith.
5. Respondent gives Debt Collector Notice that, in accordance with law as codified at 15 USC §1692g(b): “If the
consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section
that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original
creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector
obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy
of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt
collector.” (Underline emphasis added by Respondent.)
6. Be advised that “verification” is defined (in Black’s Law Dictionary, Sixth Edition) as follows: “Confirmation of
correctness, truth, or authenticity, by affidavit, oath, or deposition. Affidavit of truth of matter stated and object of
verification is to assure good faith in averments or statements of party.”

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 6 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
7. Debt Collector is further Noticed that this is not a request by Respondent for a photocopy of any invoice, statement,
bill, summary, agreement, and the like and that any future communication received by Respondent from Debt
Collector, in written as well as any other form, absent the above-cited requisite “verification of the debt,” irrespective
of the inclusion of any photocopy of any related invoice, statement, bill, summary, agreement, and the like,
constitutes Debt Collector’s tacit admission, confession, and agreement that Debt Collector has no lawful, bona fide,
verifiable claim re the alleged account.
8. Respondent also includes with this written communication, “Debt Collector Disclosure Statement,” for the purpose of
ensuring that Debt Collector’s “verification of the debt” is executed in accordance with law as codified at 15 USC
§1692(g), and must be completed in full by Debt Collector and received by Respondent within twenty-one (21) days
of Debt Collector’s receipt of this written communication.
Notice of Reservation of Right to Initiate a Counterclaim and File a Claim Against Official Bond
9. If Debt Collector, such as by commission, omission, and otherwise:
(a) Fails to give Respondent full disclosure re the nature and cause of Debt Collector’s claim concerning the
hereinabove-referenced alleged debt;
(b) Makes a false representation of the character of the hereinabove-referenced alleged debt;
(c) Makes a false representation of the legal status of the hereinabove-referenced alleged debt;
(d) Makes any threat of action that cannot legally be taken, in violation of any applicable law, such as the law
codified at the Fair Debt Collection Practices Act,
Respondent may initiate a counterclaim/claim against the official bond of Debt Collector, as well as the bond of any
principal, agent, assignee, and the like, of Debt Collector, whose acts/omissions result in Respondent sustaining any
tort injury.
10. Debt Collector is also hereby given notice that:
(a) Debt Collector’s unsubstantiated demands for payment, a “scheme or artifice” “caused to be delivered by mail,”
may constitute Mail Fraud under State and Federal Laws (Debt Collector may wish to consult with competent
legal counsel before originating any further communication with Respondent); and
(b) Debt Collector’s failure to provide Respondent with the requisite verification, validating the above-referenced
alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act and the
corresponding laws of each state, signifies that Debt Collector tacitly agrees that:
(i) Debt Collector has no lawful, bona fide, verifiable claim re the above-referenced alleged account;
(ii) Debt Collector waives any and all claims against Respondent; and
(iii) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and
expenses incurred in defending against this and any and all continued collection attempts re the above-
referenced alleged account.
11. This is also an attempt to determine the nature and basis of a case/counterclaim against Debt Collector, and any
information contained within Debt Collector Disclosure Statement, as well as any information obtained otherwise,
such as by Debt Collector’s commissions, omissions, and the like, will be used for that purpose.
12. Due process of law is guaranteed both alleged debtor and Secured Party at Debt Collector’s Office of Risk
Management, and is codified at 18 USC §§ 1581, 242, 241, 4, at 15 USC § 1692, and elsewhere.

________________________________________
JOHN H. DOE©, Respondent

Enclosures:
Offer of Performance
Certified Promissory Note
Verification of Tender of Payment, Notice of Reservation of Right to Initiate Counterclaim and File a Claim Against Bond
Debt Collector Disclosure Statement
Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ
Page 7 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
Date: March 28, 2002
Recording Requested by, and
When Recorded Return to:
John Henry Doe©
Post Office Box 9999
Los Angeles, CA 90010

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

This notice is binding upon every principal and agent re the subject matter set forth herein
Via United States Postal Service Registered Mail Article No. RR777888999US
For: JACK JONES, doing business as a Debt Collector, hereinafter “Debt Collector”
CHASE, MANN & HATT MORTGAGE CORPORATION
5143 Tunnel Vision Drive
Columbus, OH 43222
Re: Alleged Creditor: CHASE, MANN & HATT MORTGAGE CORPORATION
Alleged Account No: 001-23456789-96
Alleged Amount Due: $135,458.21
Subject: Offer of Performance

OFFER OF PERFORMANCE

1. This Offer of Performance is tendered in good faith as full satisfaction of the claim referenced above, with the intent
of extinguishing any alleged debt, duty, obligation, liability, and the like intended to obligate Respondent, JOHN H.
DOE©, named in written communication from CHASE, MANN & HATT MORTGAGE CORPORATION dated March
15, 2002, hereinafter “Written Communication,” a copy of which is attached herewith, made fully part hereof, and
included herein by reference.
2. Concerning this Offer of Performance, hereinafter “Offer,” re alleged account 001-23456789-96, Debt Collector may:
(a) Accept Offer;
(b) Reject Offer;
(c) Object regarding the mode of Offer.
3. This offer of payment of that certain sum of money that Debt Collector alleges/asserts, via Written Communication,
constitutes Respondent’s debt, duty, obligation, and liability, including interest and penalties, is made dependent
upon performance by Debt Collector of Conditions Precedent concerning which Respondent/Offeror is entitled by the
fundamental principles of American Jurisprudence and law; namely, provision by Debt Collector of verification1 of the
alleged debt, accompanied by documentary evidence establishing the factual basis for Debt Collector’s claim for
payment asserted within Debt Collector’s above-referenced Written Communication, i.e. validation of Debt Collector’s
right to collect the alleged debt by providing the requisite verification, including:
(a) Copies of all agreements of assignment, negotiation, transfer of rights, and the like, and indicating whether Debt
Collector is the current owner, assignee, holder, etc., with evidence of Respondent’s consent with any such
agreement if a novation;
(b) All relative commercial instruments, contracts, and the like containing Respondent’s bona fide signature
(subjective theory);

1. Verification. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Affidavit of truth of matter stated and object of
verification is to assure good faith in averments or statements of party. Black’s Law Dictionary, Sixth Edition.
Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ
Page 8 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
(c) Any evidence of an exchange of a benefit, as well as exchange of a detriment (implied contract);
(d) Any evidence of any series of external acts giving the objective semblance of agreement (objective theory);
(e) All other documentary evidence between Respondent and Debt Collector that Debt Collector relies upon in
making Debt Collector’s presumptive claim;
(f) Name and address of original creditor; and
(g) A certified copy of any judgment.
4. Respondent/Offeror expects a response re Offer within a reasonable period of time of receipt of Offer, which is
hereby set at twenty-one (21) days, not counting day of service.
5. Respondent/Offeror does not waive timeliness. If additional time is needed, however, Debt Collector must make a
request in writing before expiration of said twenty-one- (21) day period described above in paragraph “4,” setting forth
Debt Collector’s reasons for requesting such extension of time with good cause shown. Respondent/Offeror will
consider any such request for extension of time, the granting of which, however, is conditioned solely upon the
decision of Respondent/Offeror.
6. Respondent/Offeror hereby gives Debt Collector notice that, as an operation of law as codified at California Civil
Code § 1485 and California Code of Civil Procedure § 2074, respectively:
(a) An obligation is extinguished by an offer of performance, made in conformity with the rules prescribed, and with
the intent of extinguishing the obligation;
(b) An offer in writing to pay a particular sum of money, as well as to deliver a written instrument/specific personal
property, is, if not accepted, the equivalent of the actual production and tender of the money/instrument/property.
7. In event that Debt Collector does not respond re Offer within the prescribed time limit for response, and there has
likewise been no request for extension of time, with good cause shown therein, within said time period, then Debt
Collector tacitly agrees that Debt Collector has no bona fide, lawful, verifiable claim re this alleged account, that Debt
Collector waives any and all claims against Respondent, and that Debt Collector tacitly agrees that Debt Collector
must compensate Respondent for all costs, fees, and expenses incurred defending against any collection attempts
by Debt Collector re the above-referenced alleged account.
8. Respondent also expressly includes with this Offer of Performance, “Debt Collector Disclosure Statement,” attached
herewith, made fully part hereof, and included herein by reference, to ensure that Debt Collector clearly and
conspicuously makes all required disclosures in writing in accordance with applicable portions of Truth in Lending
(Regulation Z) 12 CFR 226. Debt Collector Disclosure Statement must be completed by Debt Collector and received
by Respondent within twenty-one (21) days of Debt Collector’s receipt of this Offer of Performance if Debt Collector
wishes Debt Collector’s claim considered by Respondent.
9. Debt Collector also tacitly consents and agrees that Debt Collector has a duty to prevent this alleged account from
damaging Respondent in any way. Debt Collector confesses judgment and Respondent reserves the right to:
(a) Initiate a counterclaim against Debt Collector;
(b) File a claim against the bond of any responsible party, including Debt Collector and all principals, agents, and
assignees of Debt Collector, whose acts/omissions result in tort damages against Respondent/Offeror.
10. Due process of law is guaranteed both alleged debtor and Secured Party at Debt Collector’s Office of Risk
Management, and is codified at 18 USC §§ 1581, 242, 241, 4, at 15 USC § 1692, and elsewhere.
Dated: March 28, 2002
Signed:

Respondent/Offeror

Witness……………………………………………………..……… Witness……………………………………………………..………

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 9 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
CERTIFIED PROMISSORY NOTE
Note Number: JHD--032802-JJ Date: March 28, 2002
Pay to the
Order of: **** CHASE, MANN & HATT MORTGAGE CORPORATION **** $135,458.21

*** One Hundred Thirty-five Thousand Four Hundred Fifty-eight and 21/100*** DOLLARS
This instrument is tendered by the Undersigned Respondent, JOHN H. DOE©, hereinafter “Maker,” in good faith, and in
accordance with law, as codified at UCC §§ 1-103, 1-104, 1-201(4)(28)(30), 3-103(a)(6), 3-104(a)(b) and Public Policy at
House Joint Resolution 192 of June 5, 1933, as full satisfaction of alleged debt claimed and allegedly owed in favor of Payee
herein, i.e. CHASE, MANN & HATT MORTGAGE CORPORATION, doing business as a debt collector, as per Payee’s/Debt
Collector’s written communication datedMarch 15, 2002, hereinafter “Written Communication”:
Alleged Creditor: CHASE, MANN & HATT MORTGAGE CORPORATION
Alleged Account No.: 001-23456789-96
Alleged Amount Due: $135,458.21
A true and correct copy of Written Communication is attached hereto, made fully part hereof, and included herein by
reference. This statement constitutes Maker’s promise to pay this instrument upon presentment and indorsement, at Maker's
location.
As an operation of law, Payee/Debt Collector tacitly consents and agrees that there is accord and satisfaction by use of
this instrument to satisfy Payee’s/Debt Collector’s claim and Maker is hereby discharged from liability on this alleged account
and the obligation is suspended in accordance with law as codified at UCC §§ 3-310(b), 3-311, and 3-603.
Maker does not waive timeliness. However, if Payee/Debt Collector needs additional time, Payee/Debt Collector must
present Maker with a written request for additional time within a reasonable time, setting forth the reasons Payee/Debt
Collector requests an extension of time, with good cause shown. The acceptability of any such request received by Maker
from Payee/Debt Collector is conditional upon approval by Maker.
In the event this instrument is not presented for payment within a reasonable period of time, and there has been no
request for an extension of time with good cause shown, Payee/Debt Collector tacitly consents and agrees that Payee/Debt
Collector has no bona fide verifiable claim re this alleged account.
Payee/Debt Collector tacitly consents and agrees that Debt Collector has a duty to prevent this alleged account from
damaging Maker in any way, and that Debt Collector confesses judgment and Maker reserves the right to initiate a
counterclaim against Debt Collector, and file a claim against the bond of any responsible party, including Debt Collector and
all principals, agents, and assignees of Debt Collector, whose acts/omissions result in tort damages against Maker.
Dated: March 28, 2002

…………………………………………………………………
JOHN H. DOE©, Respondent/Maker

Witness………………………………………………...…….. Witness………………………………………………...………..
Authorized person indorse below. Print name and official title when presenting this Instrument for payment. Government-issued ID with
photograph required, i.e. only the following types of ID accepted: state-issued Drivers License; state-issued Identification Card; Passport.

_________________________________________ _________________________________________
Printed Name of Indorser Form of Photo Identification
_________________________________________ _________________________________________
Official Title of Indorser Form of Official Identification
_________________________________________ _________________________________________
Date of Presentment and Indorsement Signature of Indorser
Right Thumb Print
Recording Requested by, and
When Recorded Return to: Date:
JOHN H. DOE ©
P.O. Box 9999
Los Angeles, CA 90010

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 10 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
VERIFICATION OF TENDER OF PAYMENT and
NOTICE OF RESERVATION OF RIGHT TO INITIATE A COUNTERCLAIM and
FILE A CLAIM AGAINST BOND
Respondent’s Private International Administrative Remedy Demand, No. JHD-032802-JJ
Introductory Certification
The Undersigned, JOHN H. DOE©, hereinafter “Declarant,” does herewith solemnly swear, declare, and state that:
1. Declarant can competently state the matters set forth herewith.
2. Declarant has personal knowledge of the facts stated herein.
3. Declarant has read and signed this Verification of Tender of Payment and Notice of Reservation of Right to Initiate a
Counterclaim and File a Claim Against Bond, hereinafter “Tender and Reservation of Right.”
Plain Statement of Facts
4. This Tender and Reservation of Right is not interposed for purpose of delay.
5. This Tender and Reservation of Right does not prejudice CHASE, MANN & HATT MORTGAGE CORPORATION in this
matter.
6. Declarant does not join in any merits of Written Communication of CHASE, MANN & HATT MORTGAGE
CORPORATION, doing business as a Debt Collector.
Verification and Certification
©
7. The Undersigned, JOHN H. DOE , i.e. Declarant, does herewith swear, declare, and affirm that Declarant executes this
Tender and Reservation of Right with sincere intent, that Declarant can competently state the matters set forth herein, that
the contents are true, correct, complete, and certain, not misleading, and the truth, the whole truth, and nothing but the truth
in accordance with Declarant’s best firsthand knowledge and understanding.
Further Declarant saith naught.
Dated: March 28, 2002
Signed:

_____________________________________
JOHN H. DOE©, Declarant

Witness ………………………………………………….… Witness …………….………………………………………

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 11 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
DEBT COLLECTOR DISCLOSURE STATEMENT
Re “Offer of Performance”
This statement and the answers contained herein may be used by Respondent, if necessary, in any court of competent jurisdiction.

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Notice: This Debt Collector Disclosure Statement is not a substitute for, nor the equivalent of, the hereinabove-requested
verification of the record, i.e. “Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition” (Black’s Law
Dictionary, Sixth Edition, 1990), re the alleged debt, and must be completed in accordance with the Fair Debt Collection
Practices Act, 15 USC §1692g, applicable portions of Truth in Lending (Regulation Z), 12 CFR 226, and demands as cited
above in Offer of Performance. Debt Collector must make all required disclosures clearly and conspicuously in writing re the
following:
1. Name of Debt Collector: ..………………………………………………………………….……………………………………………
2. Address of Debt Collector: ………………………………………………….……………………………..……………………………
3. Name of alleged Debtor: ……………………………………………………………..…………………………………………………
4. Address of alleged Debtor: ………………….……………………………………...…………………………………………………..
5. Alleged Account Number: …………..…………...……………………………………………………………………………………...
6. Alleged debt owed: $……………………………………….……………………………………………………..……………………..
7. Date alleged debt became payable: ………...…………………………….………..……………..…..………………………………

8. Re this alleged account, what is the name and address of the alleged Original Creditor, if different from Debt Collector?
…………………………………………………………………………………..………………………………………………………….
9. Re this alleged account, if Debt Collector is different from alleged Original Creditor, does Debt Collector have a bona fide
affidavit of assignment to enter into alleged original contract between alleged Original Creditor and alleged Debtor?
YES NO
10. Did Debt Collector purchase this alleged account from the alleged Original Creditor? YES NO N/A (Not Applicable)
11. If applicable, date of purchase of this alleged account from alleged Original Creditor, and purchase amount:
Date: …………………………………………………… Amount: $……………………………………………..……………………
12. Did Debt Collector purchase this alleged account from a previous debt collector? YES NO N/A
13. If applicable, date of purchase of this alleged account from previous debt collector, and purchase amount:
Date: …………………………………………………… Amount: $……………………………………………..……………………
14. Regarding this alleged account, Debt Collector is currently the:
(a) Owner; (b) Assignee; (c) Other – explain: …………………………………………………….……….………………………....
…………………………………………………………………………………...……………………………...…………………………
15. What are the terms of the transfer of rights re this alleged account? ……………………………………….………….………...
…………………………………………………………………………………...……………………………...…………………………
16. If applicable, transfer of rights re this alleged account was executed by the following method:
(a) Assignment; (b) Negotiation; (c) Novation; (d) Other – explain:…………………….…………………...……………………...
………………………………………………………………………………………...……………………………………………………

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 12 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
17. If the transfer of rights re this alleged account was by assignment, was there consideration? YES NO N/A
18. What is the nature and cause of the consideration cited in # 17 above? …………………………….……….………..…………
………………………………………………………………………………………...……………………………………………………
………………………………………………………………………………………...……………………………………………………
19. If the transfer of rights re this alleged account was by negotiation, was the alleged account taken for value?
YES NO N/A
20. What is the nature and cause of any value cited in #19 above? ………………………….………………………………………..
…………………………………………………………………………………...……………………………...…………………………
21. If the transfer of rights re this alleged account was by novation, was consent given by alleged Debtor? YES NO N/A
22. What is the nature and cause of any consent cited in # 21 above?………………...………………………………………………
…………………………………………………………………………………...……………………………...…………………………
23. Has Debt Collector provided alleged Debtor with the requisite verification of the alleged debt as required by the Fair Debt
Collection Practices Act? YES NO
24. Date said verification cited above in # 23 was provided alleged Debtor: ……………………………….………………………....
25. Was said verification cited above in # 23 in the form of a sworn or affirmed oath, affidavit, or deposition? YES NO
26. Verification cited above in # 23 was provided alleged Debtor in the form of: OATH AFFIDAVIT DEPOSTION
27. Does Debt Collector have knowledge of any claim(s)/defense(s) re this alleged account? YES NO
28. What is the nature and cause of any claim(s)/defense(s) re this alleged account? …………...……………………………..…..
29. Was alleged Debtor sold any products/services by Debt Collector? YES NO
30. What is the nature and cause of any products/services cited above in # 29? ……….……………………………………………
…………………………………………………………………………………...……………………………...…………………………
31. Does there exist a verifiable, bona fide, original commercial instrument between Debt Collector and alleged Debtor
containing alleged Debtor’s bona fide signature? YES NO
32. What is the nature and cause of any verifiable commercial instrument cited above in # 31? ….……………………………….
…………………………………………………………………………………...……………………………...…………………………
33. Does there exist verifiable evidence of an exchange of a benefit or detriment between Debt Collector and alleged Debtor?
YES NO
34. What is the nature and cause of this evidence of an exchange of a benefit or detriment as cited above in # 33?
…………………………………………………………………………………...……………………………...…………………………
35. Does any evidence exist of verifiable external act(s) giving the objective semblance of agreement between Debt Collector
and alleged Debtor? YES NO
36. What is the nature and cause of any external act(s) giving the objective semblance of agreement from #35 above?
…………………………………………………………………………………...……………………………...…………………………
37. Have any charge-offs been made by any creditor or debt collector regarding this alleged account? YES NO
38. Have any insurance claims been made by any creditor or debt collector regarding this alleged account? YES NO

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 13 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
39. Have any tax write-offs been made by any creditor or debt collector regarding this alleged account? YES NO
40. Have any tax deductions been made by any creditor or debt collector regarding this alleged account? YES NO
41. Have any judgments been obtained by any creditor or debt collector regarding this alleged account? YES NO
42. At the time the alleged original contract was executed, were all parties apprised of the meaning of the terms and
conditions of said alleged original contract? YES NO
43. At the time the alleged original contract was executed, were all parties advised of the importance of consulting a licensed
legal professional before executing the alleged contract? YES NO
44. At the time the alleged original contract was executed, were all parties apprised that said alleged contract was a private
credit instrument? YES NO
Debt Collector’s failure, both intentional and otherwise, to complete/answer points “1” through “44” above and return this Debt
Collector Disclosure Statement, as well as provide Respondent with the requisite verification validating the hereinabove-
referenced alleged debt, constitutes Debt Collector’s tacit agreement that Debt Collector has no verifiable, lawful, bona fide
claim re the hereinabove-referenced alleged account, and that Debt Collector tacitly agrees that Debt Collector waives all
claims against Respondent and indemnifies and holds Respondent harmless against any and all costs and fees heretofore
and hereafter incurred and related re any and all collection attempts involving the hereinabove-referenced alleged account.
Declaration: The Undersigned hereby declares under penalty of perjury of the laws of this State that the statements made in
this Debt Collector Disclosure Statement are true and correct in accordance with the Undersigned’s best firsthand knowledge
and belief.

Date Printed name of Signatory

Official Title of Signatory Authorized Signature for Debt Collector

Debt Collector must timely complete and return this Debt Collector Disclosure Statement, along with all required documents
referenced in said Debt Collector Disclosure Statement. Debt Collector’s claim will not be considered if any portion of this
Debt Collector Disclosure Statement is not completed and timely returned with all required documents, which specifically
includes the requisite verification, made in accordance with law and codified in the Fair Debt Collection Practices Act at 15
USC §1692 et seq., and which states in relevant part: “A debt collector may not use any false, deceptive, or misleading
representation or means in connection with the collection of any debt,” which includes “the false representation of the
character, or legal status of any debt,” and “the threat to take any action that cannot legally be taken,” all of which are
violations of law. If Debt Collector does not respond as required by law, Debt Collector’s claim will not be considered and
Debt Collector may be liable for damages for any continued collection efforts, as well as any other injury sustained by
Respondent. Please allow thirty (30) days for processing after Respondent’s receipt of Debt Collector’s response.

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 14 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222

March 28, 2002

Non-Negotiable John Henry Doe©
Post Office Box 9999
Los Angeles, CA 90010

RESPONDENT’S PRIVATE, INTERNATIONAL, ADMINISTRATIVE REMEDY DEMAND NO. JHD-032802-JJ

For: JACK JONES, a Debt Collector Via U.S.P.S. Registered Mail Article No.
CHASE, MANN & HATT MORTGAGE CORPORATION RR777888999US
5143 Tunnel Vision Drive
Columbus, OH 43222
Re: Written communication from JACK JONES, hereinafter “Debt Collector,” dated March 15, 2002, a copy of which is attached
herewith, made fully part hereof, and included herein by reference

NOTICE BY WRITTEN COMMUNICATION / SECURITY AGREEMENT

This Notice by Written Communication/Security Agreement, hereinafter “Notice by Written Communication,” provides
JACK JONES, hereinafter “User,” notice that alleged debtor, i.e. “JOHN H. DOE,” is a common-law-copyrighted trade-
name/trade-mark of John Henry Doe©, hereinafter “Secured Party,” and that any unauthorized use of JOHN H. DOE© by
User constitutes copyright/trade-name/trade-mark infringement, and all such use is strictly prohibited.
All rights reserved re common-law copyright of trade-name/trade-mark, JOHN HENRY DOE©—as well as any and all
derivatives and variations in the spelling of said trade-name/trade-mark—Copyright © 1973 by John Henry Doe©. Said
trade-name/trade-mark, JOHN HENRY DOE©, may neither be used, nor reproduced, neither in whole nor in part, nor in any
manner whatsoever, without the prior, express, written consent and acknowledgement of John Henry Doe©, subscribed with
the hand-signed, red-ink signature of John Henry Doe©, hereinafter “Secured Party.”
With the intent of being contractually bound, any juristic person, e.g. JACK JONES and CHASE, MANN & HATT
MORTGAGE CORPORATION, as well as any agent and any principal of said juristic person, consents and agrees by this
Notice by Written Communication that neither said juristic person, nor any agent, nor any principal of said juristic person,
shall display, nor otherwise use in any manner, the common-law trade-name/trade-mark JOHN HENRY DOE©, nor any
derivative of, nor any variation in the spelling of, said trade-name/trade-mark, nor the common-law copyright described
herein, without the prior, express, written consent and acknowledgment of Secured Party, subscribed with Secured Party’s
hand-signed signature in red ink. Secured Party neither grants, nor implies, nor otherwise gives consent for any
unauthorized use of JOHN H. DOE©, and all such unauthorized use is strictly prohibited. Secured Party is not now, nor has
Secured Party ever been, an accommodation party, nor a surety, for the alleged debtor, i.e. “JOHN H. DOE,” nor for any
derivative of, nor for any variation in the spelling of, said name, nor for any other juristic person, and is so-indemnified and
held harmless by JOHN H. DOE © in Hold-harmless and Indemnity Agreement No. JHD-050690-HHIA dated the Sixth Day of
the Fifth Month in the Year of Our Lord One Thousand Nine Hundred Ninety against any and all claims, legal actions,
orders, warrants, judgments, demands, liabilities, losses, depositions, summonses, lawsuits, costs, fines, liens, levies,
penalties, damages, interests, and expenses whatsoever, both absolute and contingent, as are due and as might become
due, now existing and as might hereafter arise, and as might be suffered by, imposed on, and incurred by JOHN H. DOE©
for any and every reason, purpose, and cause whatsoever.
Self-executing Contract/Security Agreement in Event of Unauthorized Use: By this Notice by Written Communication,
both JACK JONES and CHASE, MANN & HATT MORTGAGE CORPORATION, hereinafter jointly and severally referenced
as “User” in this paragraph, consent and agree that any use of JOHN H. DOE© other than authorized use as set forth above
constitutes unauthorized use, counterfeiting, of Secured Party’s common-law-copyrighted property, contractually binds
User, renders this Notice by Written Communication a Security Agreement, hereinafter “Security Agreement,” wherein User
is debtor and John Henry Doe© is Secured Party, and signifies that User: (1) grants Secured Party a security interest in all of
User’s assets, land, and personal property and all of User’s rights in assets, land, and personal property in the sum certain
amount of $500,000.00 per each occurrence of use of Secured Party’s common-law-copyrighted trade-name/trade-mark,
JOHN HENRY DOE©, as well as for each and every use of any and all derivatives of, and variations in the spelling of, said
common-law trade-name/trade-mark, not excluding “John Henry Doe,” plus costs, plus triple damages; (2) authenticates this
Security Agreement wherein User is debtor and John Henry Doe© is Secured Party, and wherein User pledges all of User’s:
Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ
Page 1 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
assets; land; motor vehicles; aircraft; vessels; ships; trademarks; copyrights; patents; consumer goods; firearms; farm
products; inventory; equipment; money; investment property; commercial tort claims; letters of credit; letter-of-credit rights;
chattel paper; electronic chattel paper; tangible chattel paper; certificated securities; uncertificated securities; promissory
notes; payment intangibles; software; health-care-insurance receivables; instruments; deposit accounts; accounts;
documents; livestock; real estate and real property—including all buildings, structures, fixtures, and appurtenances situated
thereon, as well as affixed thereto; fixtures; manufactured homes; timber; crops; and as-extracted collateral, i.e. all oil, gas,
and other minerals, as well as any and all accounts arising from the sale of these substances, both at wellhead and
minehead; accessions, increases, and additions, replacements of, and substitutions for, any of the property described
hereinabove in this paragraph; products, produce, and proceeds of any of the property described hereinabove in this
paragraph; accounts, general intangibles, instruments, monies, payments, and contract rights, and all other rights, arising
out of sale, lease, and other disposition of any of the property described hereinabove in this paragraph; proceeds, including
insurance, bond, general intangibles, and accounts proceeds, from the sale, destruction, loss, and other disposition of any
of the property described hereinabove in this paragraph; records and data involving any of the property described
hereinabove in this paragraph, such as in the form of a writing, photograph, microfilm, microfiche, tape, electronic media,
and the like, together with all of User’s right, title, and interest in all computer software and hardware required for utilizing,
creating, maintaining, and processing any such records and data in any electronic media, and all of User’s rights in all such
foregoing property in this paragraph, now owned and hereafter acquired, now existing and hereafter arising, and wherever
located, as collateral to secure User’s contractual obligation in favor of Secured Party for User’s unauthorized use of
Secured Party’s common-law-copyrighted property; (3) consents and agrees that Secured Party may file a UCC Financing
Statement wherein User is debtor and John Henry Doe© is Secured Party; (4) consents and agrees that said UCC Financing
Statement described above in paragraph “(3)” is a continuing financing statement, and further consents and agrees with
Secured Party’s filing of any continuation statement necessary to maintain Secured Party’s perfected security interest in all
of User’s property and rights in property pledged as collateral in Security Agreement as described above in paragraph “(2),”
until User’s contractual obligation theretofore incurred has been fully satisfied; (5) authorizes Secured Party to file any UCC
Financing Statement, as described above in paragraphs “(3)” and “(4),” and any Security Agreement, as described above in
paragraph “(2),” both in the UCC filing office and at any county recorder’s office; (6) consents and agrees that any and all
such filings described in paragraphs “(4)” and “(5)” above are not, and may not be considered, bogus, and that User will not
claim that any such filing is bogus; (7) waives all defenses; (8) waives rights of presentment, notice of dishonor, and notice
of protest; and (9) appoints Secured Party as Authorized Representative for User, effective upon User’s default re User’s
contractual obligations in favor of Secured Party as set forth below under “Payment Terms” and “Default Terms,” granting
Secured Party full authority and power to engage in any and all actions on behalf of User including, but not limited to,
authentication of a record on behalf of User, as Secured Party, in accordance with Secured Party’s sole discretion, deems
appropriate, and, as regards any deposit account of any kind maintained with any bank in/under the name of User, and
likewise any deposit account maintained with any bank in/under the Taxpayer Identification Number of User,
notwithstanding the absence of User’s name as account-holder on any such deposit account maintained with any bank
in/under the Taxpayer Identification Number of User, grants Secured Party full authority and power to originate instructions
for said deposit-account bank and direct the disposition of funds in said deposit account by acting as signatory on said
deposit account without further consent of User and without liability, and User further consents and agrees that this
appointment of Secured Party as Authorized Representative for User, effective upon User’s default, is irrevocable and
coupled with a security interest. User further consents and agrees with all of the following additional terms: Payment Terms:
In accordance with fees for unauthorized use of JOHN H. DOE© as set forth above, User hereby consents and agrees that
User shall pay Secured Party all unauthorized-use fees in full within ten (10) days of the date User is sent Secured Party’s
invoice, hereinafter “Invoice,” itemizing said fees. Default Terms: In event of non-payment in full of all unauthorized-use
fees by User within ten (10) days of the date Invoice is sent, User shall be deemed in default and (a) all of User’s property
and rights in property pledged as collateral by User, as set forth above in paragraph “(2),” immediately becomes, i.e. is,
property of Secured Party; (b) Secured Party is appointed User’s Authorized Representative as set forth above in paragraph
“(9)”; and (c) User consents and agrees that Secured Party may take possession of, as well as otherwise dispose of in any
manner that Secured Party, in Secured Party’s sole discretion, deems appropriate, including, but not limited to, sale at
auction, at any time following User’s default, and without further notice, any and all of User’s former property and rights in
property formerly pledged as collateral by User, described above in paragraph “(2),” now property of Secured Party, in
respect of this Security Agreement, that Secured Party, again in Secured Party’s sole discretion, deems appropriate. Terms
for Curing Default: In event of default as set forth above under “Default Terms,” User can cure User’s default and avoid
strict foreclosure of any remainder of User’s former property that is neither in the possession of Secured Party, nor
otherwise disposed of by Secured Party, only by tendering payment within twenty (20) days of User’s default and only by
Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ
Page 2 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
payment in full of the balance of the sum certain amount owed by User, as noticed User in Invoice, that is not already paid
by Secured Party’s possession, sale, liquidation, and the like of User’s former property and rights in property pledged as
collateral to secure User’s obligation. Terms of Strict Foreclosure: User’s non-payment in full of all unauthorized-use fees
itemized in Invoice within said twenty- (20) day period for curing default as set forth above under “Terms for Curing Default”
authorizes Secured Party’s immediate non-judicial strict foreclosure on any and all remaining property and rights in property
formerly pledged as collateral by User, now property of Secured Party, which is not in the possession of, nor otherwise
disposed of by, Secured Party upon expiration of said twenty- (20) day default-curing period. Ownership subject to
copyright of common-law trade-name/trade-mark and security agreement and UCC Financing Statement filed with the UCC
filing office. Record Owner: John Henry Doe©, Autograph Common Law Copyright ©1973.
Should any provision of this Notice by Written Communication be unenforceable, said unenforceable provision is hereby
severed from this Notice by Written Communication, but every remaining provision continues in full force and effect, and this
Notice by Written Communication is deemed modified in a manner that renders this Notice by Written Communication in full
force and effect. In all cases Secured Party continues without liability and is held harmless. Any prior communication,
written document, and the like by and between User and Secured Party containing any mistake of Secured Party is
invalidated thereby and of no force and effect, and may not be relied upon by User against Secured Party in this matter.
No consent of any kind is granted nor otherwise given re any matter offered/alleged/asserted by User, and Secured Party
withholds all consent. Secured Party will consider granting consent in favor of User only upon User’s full disclosure of any
and all consequences of any such granting of consent, accompanied by User’s commensurate attendant liability for the
veracity, relevance, and verifiability of any such disclosure, which liability is borne by User in the form of an authenticated
Security Agreement, wherein User is debtor and John Henry Doe© is Secured Party, that self-executes effective the moment
of Secured Party’s confirmation of any material inconsistency/deviation/discrepancy in the aforementioned resultant
consequences avowed by User, as determined solely by Secured Party in Secured Party’s sole discretion.
Alleged debtor, i.e. JOHN H. DOE©, does not take issue with the amount of any alleged debt; rather, alleged debtor asserts
that: the alleged debt is not valid; Secured Party holds a claim/security interest greater than any claim alleged by User, a
copy of which filed UCC Financing Statement evidencing such supreme claim and security interest is attached herewith,
made fully part hereof, and included herein by reference; and, as stated above, Secured Party is neither a surety, nor an
accommodation party, for alleged debtor, and may not be construed as functioning in such capacity under any
circumstances.
Further, this is a request for validation of any alleged debt and is not a request for a copy of any invoice, statement, bill,
agreement, alleged agreement, contract, alleged contract, and the like, nor is it a request for a copy of any notification of
assignment, negotiation/transfer of rights, nor is it a request for a copy of any other un-verified document/presentment
referencing said alleged debt. This request for validation of any alleged debt is a request for bona fide verification of any
alleged debt.
In accordance with law, only sworn affidavits, oaths, and depositions qualify as a verification of the lawful existence of a
bona fide debt. Absent such verification validating the alleged debt, and absent proof of a claim greater than that of
Secured Party, User “fails to state a claim upon which relief can be granted.” Wherefore, in accordance with the Fair Debt
Collection Practices Act, effective immediately upon User’s receipt of this Notice by Written Communication, User must
cease all collection/prosecution efforts against alleged debtor, Secured Party, and Secured Party’s secured private property.
User is hereby notified of the following Privacy Act Notice:
Privacy Act Notice
This written Notice by Written Communication constitutes User’s due process notice and opportunity to be heard. Absent
compliance with all requirements set forth herein User is barred from using any defense of immunity from prosecution for
User’s actions, as well as the actions of User’s agents.
By this Notice By Written Communication, User, as well as User’s agents and principals, shall comply with the provisions of
the Privacy Act of 1974, as lawfully amended, 12 U.S.C. § 3401, the Right to Financial Privacy Act of 1978, as lawfully
amended, 5 U.S.C. § 552a, and the Third Party Summons Act, special procedures, 26 U.S.C. § 7609 as lawfully amended,
to assist Secured Party in keeping inviolate certain constitutionally protected privacy rights.
By this Notice By Written Communication, User, as well as User’s agents and principals, shall comply with this demand:
User shall provide Secured Party with a copy of any express, written authorization from Secured Party whereby User is

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 3 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
authorized to disclose/reveal/divulge/share with any third-party, in any manner, as well as by any means of communication,
any information, documentation, data, property, effects, and the like re alleged debtor, JOHN H. DOE©, and likewise
concerning Secured Party. User’s failure to provide said foregoing demanded authorization constitutes admission by User
that User is in violation of the Privacy Act, as well as other laws.
User possesses neither express, written authorization, nor consent, from alleged debtor, JOHN H. DOE©, nor Secured
Party, to use, reveal/disclose/divulge/share with any third party, and the like, any secured information, documentation, data,
property, effects, and the like of Secured Party.
This Notice By Written Communication is binding upon every principal and agent re the subject matter set forth herein, and
each principal and each agent is: (a) barred from providing any Credit Reporting Agency any derogatory credit information
regarding the above alleged debt; (b) prohibited from contacting alleged debtor by mail, by telephone, as well as in person,
both at alleged debtor’s residence, as well as at alleged debtor’s place of employment; and (c) prohibited from contacting
any other third party regarding the above-referenced alleged debt until User establishes the existence of a superior claim,
greater than that of Secured Party’s, and until said alleged debt is verified as indicated above and alleged debtor is provided
with any such verification. Note: the Fair Debt Collection Practices Act at 15 USC §1692 et seq. states in relevant part that:
“A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection
of any debt,” which includes “the false representation of the character, or legal status of any debt,” as well as “the threat to
take any action that cannot legally be taken,” all of which constitute violations of law. Therefore, User, as well as any
assignee, is prohibited from filing any lawsuit, notice of lien, notice of levy, and the like, as well as any other legal action
against alleged debtor, as well as against any of Secured Party’s secured private property, which is exempt from lien and
exempt from levy.
15 U.S.C. § 1692e(8) states: “Communicating or threatening to communicate to any person credit information which is
known or which should be known to be false, including the failure to communicate that a disputed debt is disputed, is a
violation of § 1692e.”
Further, User’s above-referenced written communication, if valid, constitutes an issue of public currency, and, alleged
debtor hereby requests from User, in accordance with the fundamental principals of American jurisprudence and law, bona
fide documentary evidence that establishes the lawful basis for User’s issue of said public currency and User’s claim for
payment of the alleged debt liability referenced within User’s written communication issuing the public currency and stating
the claim, i.e.: (a) bona fide identification of any person making request for payment by JOHN H. DOE©, including a copy of
said person’s bona fide, handwritten, legible, and notarized signature, and the thumbprint, from either hand, of said person
making request for payment by JOHN H. DOE©; (b) bona fide evidence of any said person’s authority to make a request for
payment by JOHN H. DOE©, if said person is acting on behalf of another; and (c) exhibition of the bona fide instrument, i.e.,
the bona fide commercial contract bearing the bona fide signature which supports User’s demand for payment of alleged
debt by JOHN H. DOE©, that, operating publicly, establishes User’s issue of public currency, allegedly collectable from any
of: (i) alleged debtor; (ii) alleged debtor’s assets, (iii) Secured Party; (iv) Secured Party’s secured private property; and (d)
positive law in support of User’s written attempt to collect alleged debt that, operating publicly, establishes User’s issue of
public currency collectable from any of: (i) alleged debtor; (ii) alleged debtor’s assets, (iii) Secured Party; (iv) Secured
Party’s secured private property.
Alleged debtor and Secured Party can and will lawfully construe User’s failure to comply with and satisfy essential
requirements of the Fair Debt Collection Practices Act and the above four (4) requests, i.e. “(a),” “(b),” “(c),” and “(d)” in the
paragraph immediately above, within a reasonable time, i.e. twenty-one (21) days, following User’s receipt of this written
communication, as User’s self-invalidation of User’s demand for payment. Verification of the alleged debt and satisfaction
of the aforementioned four (4) specific requests must be duly affirmed in the form of one of the following: (a) affidavit; (b)
oath; (c) deposition.
Until the alleged debt is verified in accordance with the Fair Debt Collection Practices Act and said verification is sent
alleged debtor and received by alleged debtor, each and every contact in violation of the Fair Debt Collection Practices Act
constitutes harassment and defamation of character and makes User, as well as any and all agents and principals who take
part in such harassment and defamation, a subject of liability for damages, as well as statutory damages, and legal fees, for
each and every violation, in private capacity.
User, JACK JONES, tacitly consents and agrees that JACK JONES has a duty to prevent this alleged account from
damaging both alleged debtor and Secured Party, and further consents and agrees that alleged debtor and Secured Party
each reserve the right to initiate a counterclaim, as well as a claim, against any of the following: JACK JONES‘S bond;
Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ
Page 4 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
JACK JONES‘S guarantor; any of JACK JONES‘S principals, agents, and assignees whose act(s)/omission(s) results in
either of the following: (a) tort damages against alleged debtor; (b) tort damages against Secured Party.
Due process of law is guaranteed both alleged debtor and Secured Party at Debt Collector’s Office of Risk Management,
and is codified at 18 USC §§ 1581, 242, 241, 4, at 15 USC § 1692, and elsewhere.
The attached written communication is Respondent’s response re User’s attempt, via written communication, to collect an
alleged debt.
This Notice by Written Communication/Security Agreement is herewith executed this Twenty-eighth Day of the Third Month
in the Year of Our Lord Two Thousand Two by and between the undersigned parties:
Debtor: JACK JONES
JACK JONES
Debtor’s Signature

Secured Party accepts Debtor’s signature in accord with UCC §§ 1-201(39), 3-401.
Secured Party: John Henry Doe©

________________________________________________
Secured Party’s Signature
Autograph Common Law Copyright © 1973 by John Henry Doe©. All Rights
Reserved. No part of this Autograph Common Law Copyright may be used,
nor reproduced in any manner, without prior, express, written consent and
acknowledgment of Secured Party, subscribed with Secured Party’s hand-
signed signature in red ink. Unauthorized us e of “John Henry Doe” incurs
same unauthorized-use fees as those associated with JOHN HENRY DOE©,
as set forth above in paragraph “(1)” under “Self-executing Contract/Security
Agreement in Event of Unauthorized Use.” Enclosures: Copy of written
communication from JACK JONES dated March 15, 2002; Published
Copyright Notice; filed UCC Financing Statement; Private Agreement; Hold-
harmless and Indemnity Agreement; Security Agreement.

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 5 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
JOHN H. DOE ©
P.O. Box 9999
Los Angeles, CA 90010
Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ
This Private International Administrative Remedy Demand No. JHD-032802-JJ is binding upon every principal and agent re
the subject matter set forth herein below.
Date: March 28, 2002
Via: U.S.P.S. Registered Mail Article No. RR777888999US
To: JACK JONES, doing business as a Debt Collector, hereinafter “Debt Collector”
CHASE, MANN & HATT MORTGAGE CORPORATION
5143 Tunnel Vision Drive
Columbus, OH 43222
Re: Debt Collector’s written communication, hereinafter “Presentment,” dated March 15, 2002, referencing:
Alleged Creditor: CHASE, MANN & HATT MORTGAGE CORPORATION
Alleged Account No.: 001-23456789-96
Alleged Amount Due: $135,458.21
Subject: Tender of Payment and Notice of Reservation of Right to Initiate a Counterclaim and File a Claim against Bond.
1. Be it known by these presents that JOHN H. DOE©, Respondent, is in receipt of Debt Collector’s above-referenced
presentment, a true and correct copy of which is attached herewith, made fully part hereof, and included herein by
reference.
2. Respondent hereby gives Debt Collector Notice that this written communication is not a refusal to pay the alleged
debt implied by Presentment, but constitutes express, written notice that:
(a) The above-referenced alleged debt is not valid;
(b) Debt Collector’s claim is disputed;
(c) Respondent does not take issue with the amount of alleged debt claimed; and that
(d) Upon receipt of this Notice, Debt Collector must cease all collection activity re the alleged account/debt until
Respondent is sent the herein-requested verification as required by the Fair Debt Collection Practices Act.
Tender of Payment
3. Respondent, without waiver of any defense, and for the purpose of resolving this matter in good faith, hereby tenders
payment in the form of a Certified Promissory Note, accompanied by Offer of Performance, both of which are
attached herewith, made fully part hereof, and included herein by reference, for the purpose of discharging the
alleged debt as stated within Debt Collector’s above-referenced Presentment.
4. Respondent retains original of Debt Collector’s Presentment as proof Respondent has not dishonored Debt
Collector’s Presentment, nor in any way acted in bad faith.
5. Respondent gives Debt Collector Notice that, in accordance with law as codified at 15 USC §1692g(b): “If the
consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section
that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original
creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector
obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy
of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt
collector.” (Underline emphasis added by Respondent.)
6. Be advised that “verification” is defined (in Black’s Law Dictionary, Sixth Edition) as follows: “Confirmation of
correctness, truth, or authenticity, by affidavit, oath, or deposition. Affidavit of truth of matter stated and object of
verification is to assure good faith in averments or statements of party.”

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 6 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
7. Debt Collector is further Noticed that this is not a request by Respondent for a photocopy of any invoice, statement,
bill, summary, agreement, and the like and that any future communication received by Respondent from Debt
Collector, in written as well as any other form, absent the above-cited requisite “verification of the debt,” irrespective
of the inclusion of any photocopy of any related invoice, statement, bill, summary, agreement, and the like,
constitutes Debt Collector’s tacit admission, confession, and agreement that Debt Collector has no lawful, bona fide,
verifiable claim re the alleged account.
8. Respondent also includes with this written communication, “Debt Collector Disclosure Statement,” for the purpose of
ensuring that Debt Collector’s “verification of the debt” is executed in accordance with law as codified at 15 USC
§1692(g), and must be completed in full by Debt Collector and received by Respondent within twenty-one (21) days
of Debt Collector’s receipt of this written communication.
Notice of Reservation of Right to Initiate a Counterclaim and File a Claim Against Official Bond
9. If Debt Collector, such as by commission, omission, and otherwise:
(a) Fails to give Respondent full disclosure re the nature and cause of Debt Collector’s claim concerning the
hereinabove-referenced alleged debt;
(b) Makes a false representation of the character of the hereinabove-referenced alleged debt;
(c) Makes a false representation of the legal status of the hereinabove-referenced alleged debt;
(d) Makes any threat of action that cannot legally be taken, in violation of any applicable law, such as the law
codified at the Fair Debt Collection Practices Act,
Respondent may initiate a counterclaim/claim against the official bond of Debt Collector, as well as the bond of any
principal, agent, assignee, and the like, of Debt Collector, whose acts/omissions result in Respondent sustaining any
tort injury.
10. Debt Collector is also hereby given notice that:
(a) Debt Collector’s unsubstantiated demands for payment, a “scheme or artifice” “caused to be delivered by mail,”
may constitute Mail Fraud under State and Federal Laws (Debt Collector may wish to consult with competent
legal counsel before originating any further communication with Respondent); and
(b) Debt Collector’s failure to provide Respondent with the requisite verification, validating the above-referenced
alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act and the
corresponding laws of each state, signifies that Debt Collector tacitly agrees that:
(i) Debt Collector has no lawful, bona fide, verifiable claim re the above-referenced alleged account;
(ii) Debt Collector waives any and all claims against Respondent; and
(iii) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and
expenses incurred in defending against this and any and all continued collection attempts re the above-
referenced alleged account.
11. This is also an attempt to determine the nature and basis of a case/counterclaim against Debt Collector, and any
information contained within Debt Collector Disclosure Statement, as well as any information obtained otherwise,
such as by Debt Collector’s commissions, omissions, and the like, will be used for that purpose.
12. Due process of law is guaranteed both alleged debtor and Secured Party at Debt Collector’s Office of Risk
Management, and is codified at 18 USC §§ 1581, 242, 241, 4, at 15 USC § 1692, and elsewhere.

________________________________________
JOHN H. DOE©, Respondent

Enclosures:
Offer of Performance
Certified Promissory Note
Verification of Tender of Payment, Notice of Reservation of Right to Initiate Counterclaim and File a Claim Against Bond
Debt Collector Disclosure Statement
Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ
Page 7 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
Date: March 28, 2002
Recording Requested by, and
When Recorded Return to:
John Henry Doe©
Post Office Box 9999
Los Angeles, CA 90010

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

This notice is binding upon every principal and agent re the subject matter set forth herein
Via United States Postal Service Registered Mail Article No. RR777888999US
For: JACK JONES, doing business as a Debt Collector, hereinafter “Debt Collector”
CHASE, MANN & HATT MORTGAGE CORPORATION
5143 Tunnel Vision Drive
Columbus, OH 43222
Re: Alleged Creditor: CHASE, MANN & HATT MORTGAGE CORPORATION
Alleged Account No: 001-23456789-96
Alleged Amount Due: $135,458.21
Subject: Offer of Performance

OFFER OF PERFORMANCE

1. This Offer of Performance is tendered in good faith as full satisfaction of the claim referenced above, with the intent
of extinguishing any alleged debt, duty, obligation, liability, and the like intended to obligate Respondent, JOHN H.
DOE©, named in the hereinabove-referenced Presentment, a copy of which is attached herewith, made fully part
hereof, and included herein by reference.
2. Concerning this Offer of Performance, hereinafter “Offer,” re alleged account 001-23456789-96, Debt Collector may:
(a) Accept Offer;
(b) Reject Offer;
(c) Object regarding the mode of Offer.
3. This offer of payment of that certain sum of money that Debt Collector alleges/asserts, via Presentment, constitutes
Respondent’s debt, duty, obligation, and liability, including interest and penalties, is made dependent upon
performance by Debt Collector of Conditions Precedent concerning which Respondent/Offeror is entitled by the
fundamental principles of American Jurisprudence and law; namely, provision by Debt Collector of verification1 of the
alleged debt, accompanied by documentary evidence establishing the factual basis for Debt Collector’s claim for
payment asserted within Debt Collector’s above-referenced Presentment, i.e. validation of Debt Collector’s right to
collect the alleged debt by providing the requisite verification, including:
(a) Copies of all agreements of assignment, negotiation, transfer of rights, and the like, and indicating whether Debt
Collector is the current owner, assignee, holder, etc., with evidence of Respondent’s consent with any such
agreement if a novation;
(b) All relative commercial instruments, contracts, and the like containing Respondent’s bona fide signature
(subjective theory);
(c) Any evidence of an exchange of a benefit, as well as exchange of a detriment (implied contract);

1. Verification. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Affidavit of truth of matter stated and object of
verification is to assure good faith in averments or statements of party. Black’s Law Dictionary, Sixth Edition.
Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ
Page 8 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
(d) Any evidence of any series of external acts giving the objective semblance of agreement (objective theory);
(e) All other documentary evidence between Respondent and Debt Collector that Debt Collector relies upon in
making Debt Collector’s presumptive claim;
(f) Name and address of original creditor; and
(g) A certified copy of any judgment.
4. Respondent/Offeror expects a response re Offer within a reasonable period of time of receipt of Offer, which is
hereby set at twenty-one (21) days, not counting day of service.
5. Respondent/Offeror does not waive timeliness. If additional time is needed, however, Debt Collector must make a
request in writing before expiration of said twenty-one- (21) day period described above in paragraph “4,” setting forth
Debt Collector’s reasons for requesting such extension of time with good cause shown. Respondent/Offeror will
consider any such request for extension of time, the granting of which, however, is conditioned solely upon the
decision of Respondent/Offeror.
6. Respondent/Offeror hereby gives Debt Collector notice that, as an operation of law as codified at California Civil
Code § 1485 and California Code of Civil Procedure § 2074, respectively:
(a) An obligation is extinguished by an offer of performance, made in conformity with the rules prescribed, and with
the intent of extinguishing the obligation;
(b) An offer in writing to pay a particular sum of money, as well as to deliver a written instrument/specific personal
property, is, if not accepted, the equivalent of the actual production and tender of the money/instrument/property.
7. In event that Debt Collector does not respond re Offer within the prescribed time limit for response, and there has
likewise been no request for extension of time, with good cause shown therein, within said time period, then Debt
Collector tacitly agrees that Debt Collector has no bona fide, lawful, verifiable claim re this alleged account, that Debt
Collector waives any and all claims against Respondent, and that Debt Collector tacitly agrees that Debt Collector
must compensate Respondent for all costs, fees, and expenses incurred defending against any collection attempts
by Debt Collector re the above-referenced alleged account.
8. Respondent also expressly includes with this Offer of Performance, “Debt Collector Disclosure Statement,” attached
herewith, made fully part hereof, and included herein by reference, to ensure that Debt Collector clearly and
conspicuously makes all required disclosures in writing in accordance with applicable portions of Truth in Lending
(Regulation Z) 12 CFR 226. Debt Collector Disclosure Statement must be completed by Debt Collector and received
by Respondent within twenty-one (21) days of Debt Collector’s receipt of this Offer of Performance if Debt Collector
wishes Debt Collector’s claim considered by Respondent.
9. Debt Collector also tacitly consents and agrees that Debt Collector has a duty to prevent this alleged account from
damaging Respondent in any way. Debt Collector confesses judgment and Respondent reserves the right to:
(a) Initiate a counterclaim against Debt Collector;
(b) File a claim against the bond of any responsible party, including Debt Collector and all principals, agents, and
assignees of Debt Collector, whose acts/omissions result in tort damages against Respondent/Offeror.
10. Due process of law is guaranteed both alleged debtor and Secured Party at Debt Collector’s Office of Risk
Management, and is codified at 18 USC §§ 1581, 242, 241, 4, at 15 USC § 1692, and elsewhere.
Dated: March 28, 2002
Signed:

Respondent/Offeror

Witness……………………………………………………..……… Witness……………………………………………………..………

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 9 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
CERTIFIED PROMISSORY NOTE
Note Number: JHD--032802-JJ Date: March 28, 2002
Pay to the
Order of: **** CHASE, MANN & HATT MORTGAGE CORPORATION **** $135,458.21

*** One Hundred Thirty-five Thousand Four Hundred Fifty-eight and 21/100*** DOLLARS
This instrument is tendered by the Undersigned Respondent, JOHN H. DOE©, hereinafter “Maker,” in good faith, and in
accordance with law, as codified at UCC §§ 1-103, 1-104, 1-201(4)(28)(30), 3-103(a)(6), 3-104(a)(b) and Public Policy at
House Joint Resolution 192 of June 5, 1933, as full satisfaction of alleged debt claimed and allegedly owed in favor of Payee
herein, i.e. CHASE, MANN & HATT MORTGAGE CORPORATION, doing business as a debt collector, as per Payee’s/Debt
Collector’s written communication, hereinafter “Presentment,” datedMarch 15, 2002:
Alleged Creditor: CHASE, MANN & HATT MORTGAGE CORPORATION
Alleged Account No.: 001-23456789-96
Alleged Amount Due: $135,458.21
A true and correct copy of Presentment is attached hereto, made fully part hereof, and included herein by reference. This
statement constitutes Maker’s promise to pay this instrument upon presentment and indorsement, at Maker's location.
As an operation of law, Payee/Debt Collector tacitly consents and agrees that there is accord and satisfaction by use of
this instrument to satisfy Payee’s/Debt Collector’s claim and Maker is hereby discharged from liability on this alleged account
and the obligation is suspended in accordance with law as codified at UCC §§ 3-310(b), 3-311, and 3-603.
Maker does not waive timeliness. However, if Payee/Debt Collector needs additional time, Payee/Debt Collector must
present Maker with a written request for additional time within a reasonable time, setting forth the reasons Payee/Debt
Collector requests an extension of time, with good cause shown. The acceptability of any such request received by Maker
from Payee/Debt Collector is conditional upon approval by Maker.
In the event this instrument is not presented for payment within a reasonable period of time, and there has been no
request for an extension of time with good cause shown, Payee/Debt Collector tacitly consents and agrees that Payee/Debt
Collector has no bona fide verifiable claim re this alleged account.
Payee/Debt Collector tacitly consents and agrees that Debt Collector has a duty to prevent this alleged account from
damaging Maker in any way, and that Debt Collector confesses judgment and Maker reserves the right to initiate a
counterclaim against Debt Collector, and file a claim against the bond of any responsible party, including Debt Collector and
all principals, agents, and assignees of Debt Collector, whose acts/omissions result in tort damages against Maker.
Dated: March 28, 2002

…………………………………………………………………
JOHN H. DOE©, Respondent/Maker

Witness………………………………………………...…….. Witness………………………………………………...………..
Authorized person indorse below. Print name and official title when presenting this Instrument for payment. Government-issued ID with
photograph required, i.e. only the following types of ID accepted: state-issued Drivers License; state-issued Identification Card; Passport.

_________________________________________ _________________________________________
Printed Name of Indorser Form of Photo Identification
_________________________________________ _________________________________________
Official Title of Indorser Form of Official Identification
_________________________________________ _________________________________________
Date of Presentment and Indorsement Signature of Indorser
Right Thumb Print
Recording Requested by, and
When Recorded Return to: Date:
JOHN H. DOE ©
P.O. Box 9999
Los Angeles, CA 90010

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 10 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
VERIFICATION OF TENDER OF PAYMENT and
NOTICE OF RESERVATION OF RIGHT TO INITIATE A COUNTERCLAIM and
FILE A CLAIM AGAINST BOND
Respondent’s Private International Administrative Remedy Demand, No. JHD-032802-JJ
Introductory Certification
The Undersigned, JOHN H. DOE©, hereinafter “Declarant,” does herewith solemnly swear, declare, and state that:
1. Declarant can competently state the matters set forth herewith.
2. Declarant has personal knowledge of the facts stated herein.
3. Declarant has read and signed this Verification of Tender of Payment and Notice of Reservation of Right to Initiate a
Counterclaim and File a Claim Against Bond, hereinafter “Tender and Reservation of Right.”
Plain Statement of Facts
4. This Tender and Reservation of Right is not interposed for purpose of delay.
5. This Tender and Reservation of Right does not prejudice CHASE, MANN & HATT MORTGAGE CORPORATION in this
matter.
6. Declarant does not join in any merits of Presentment of JACK JONES, doing business as a Debt Collector.
Verification and Certification
©
7. The Undersigned, JOHN H. DOE , i.e. Declarant, does herewith swear, declare, and affirm that Declarant executes this
Tender and Reservation of Right with sincere intent, that Declarant can competently state the matters set forth herein, that
the contents are true, correct, complete, and certain, not misleading, and the truth, the whole truth, and nothing but the truth
in accordance with Declarant’s best firsthand knowledge and understanding.
Further Declarant saith naught.
Dated: March 28, 2002
Signed:

_____________________________________
JOHN H. DOE©, Declarant

Witness ………………………………………………….… Witness …………….………………………………………

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 11 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
DEBT COLLECTOR DISCLOSURE STATEMENT
Re “Offer of Performance”
This statement and the answers contained herein may be used by Respondent, if necessary, in any court of competent jurisdiction.

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Notice: This Debt Collector Disclosure Statement is not a substitute for, nor the equivalent of, the hereinabove-requested
verification of the record, i.e. “Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition” (Black’s Law
Dictionary, Sixth Edition, 1990), re the alleged debt, and must be completed in accordance with the Fair Debt Collection
Practices Act, 15 USC §1692g, applicable portions of Truth in Lending (Regulation Z), 12 CFR 226, and demands as cited
above in Offer of Performance. Debt Collector must make all required disclosures clearly and conspicuously in writing re the
following:
1. Name of Debt Collector: ..………………………………………………………………….……………………………………………
2. Address of Debt Collector: ………………………………………………….……………………………..……………………………
3. Name of alleged Debtor: ……………………………………………………………..…………………………………………………
4. Address of alleged Debtor: ………………….……………………………………...…………………………………………………..
5. Alleged Account Number: …………..…………...……………………………………………………………………………………...
6. Alleged debt owed: $……………………………………….……………………………………………………..……………………..
7. Date alleged debt became payable: ………...…………………………….………..……………..…..………………………………

8. Re this alleged account, what is the name and address of the alleged Original Creditor, if different from Debt Collector?
…………………………………………………………………………………..………………………………………………………….
9. Re this alleged account, if Debt Collector is different from alleged Original Creditor, does Debt Collector have a bona fide
affidavit of assignment to enter into alleged original contract between alleged Original Creditor and alleged Debtor?
YES NO
10. Did Debt Collector purchase this alleged account from the alleged Original Creditor? YES NO N/A (Not Applicable)
11. If applicable, date of purchase of this alleged account from alleged Original Creditor, and purchase amount:
Date: …………………………………………………… Amount: $……………………………………………..……………………
12. Did Debt Collector purchase this alleged account from a previous debt collector? YES NO N/A
13. If applicable, date of purchase of this alleged account from previous debt collector, and purchase amount:
Date: …………………………………………………… Amount: $……………………………………………..……………………
14. Regarding this alleged account, Debt Collector is currently the:
(a) Owner; (b) Assignee; (c) Other – explain: …………………………………………………….……….………………………....
…………………………………………………………………………………...……………………………...…………………………
15. What are the terms of the transfer of rights re this alleged account? ……………………………………….………….………...
…………………………………………………………………………………...……………………………...…………………………
16. If applicable, transfer of rights re this alleged account was executed by the following method:
(a) Assignment; (b) Negotiation; (c) Novation; (d) Other – explain:…………………….…………………...……………………...
………………………………………………………………………………………...……………………………………………………

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 12 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
17. If the transfer of rights re this alleged account was by assignment, was there consideration? YES NO N/A
18. What is the nature and cause of the consideration cited in # 17 above? …………………………….……….………..…………
………………………………………………………………………………………...……………………………………………………
………………………………………………………………………………………...……………………………………………………
19. If the transfer of rights re this alleged account was by negotiation, was the alleged account taken for value?
YES NO N/A
20. What is the nature and cause of any value cited in #19 above? ………………………….………………………………………..
…………………………………………………………………………………...……………………………...…………………………
21. If the transfer of rights re this alleged account was by novation, was consent given by alleged Debtor? YES NO N/A
22. What is the nature and cause of any consent cited in # 21 above?………………...………………………………………………
…………………………………………………………………………………...……………………………...…………………………
23. Has Debt Collector provided alleged Debtor with the requisite verification of the alleged debt as required by the Fair Debt
Collection Practices Act? YES NO
24. Date said verification cited above in # 23 was provided alleged Debtor: ……………………………….………………………....
25. Was said verification cited above in # 23 in the form of a sworn or affirmed oath, affidavit, or deposition? YES NO
26. Verification cited above in # 23 was provided alleged Debtor in the form of: OATH AFFIDAVIT DEPOSTION
27. Does Debt Collector have knowledge of any claim(s)/defense(s) re this alleged account? YES NO
28. What is the nature and cause of any claim(s)/defense(s) re this alleged account? …………...……………………………..…..
29. Was alleged Debtor sold any products/services by Debt Collector? YES NO
30. What is the nature and cause of any products/services cited above in # 29? ……….……………………………………………
…………………………………………………………………………………...……………………………...…………………………
31. Does there exist a verifiable, bona fide, original commercial instrument between Debt Collector and alleged Debtor
containing alleged Debtor’s bona fide signature? YES NO
32. What is the nature and cause of any verifiable commercial instrument cited above in # 31? ….……………………………….
…………………………………………………………………………………...……………………………...…………………………
33. Does there exist verifiable evidence of an exchange of a benefit or detriment between Debt Collector and alleged Debtor?
YES NO
34. What is the nature and cause of this evidence of an exchange of a benefit or detriment as cited above in # 33?
…………………………………………………………………………………...……………………………...…………………………
35. Does any evidence exist of verifiable external act(s) giving the objective semblance of agreement between Debt Collector
and alleged Debtor? YES NO
36. What is the nature and cause of any external act(s) giving the objective semblance of agreement from #35 above?
…………………………………………………………………………………...……………………………...…………………………
37. Have any charge-offs been made by any creditor or debt collector regarding this alleged account? YES NO
38. Have any insurance claims been made by any creditor or debt collector regarding this alleged account? YES NO

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 13 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
39. Have any tax write-offs been made by any creditor or debt collector regarding this alleged account? YES NO
40. Have any tax deductions been made by any creditor or debt collector regarding this alleged account? YES NO
41. Have any judgments been obtained by any creditor or debt collector regarding this alleged account? YES NO
42. At the time the alleged original contract was executed, were all parties apprised of the meaning of the terms and
conditions of said alleged original contract? YES NO
43. At the time the alleged original contract was executed, were all parties advised of the importance of consulting a licensed
legal professional before executing the alleged contract? YES NO
44. At the time the alleged original contract was executed, were all parties apprised that said alleged contract was a private
credit instrument? YES NO
Debt Collector’s failure, both intentional and otherwise, to complete/answer points “1” through “44” above and return this Debt
Collector Disclosure Statement, as well as provide Respondent with the requisite verification validating the hereinabove-
referenced alleged debt, constitutes Debt Collector’s tacit agreement that Debt Collector has no verifiable, lawful, bona fide
claim re the hereinabove-referenced alleged account, and that Debt Collector tacitly agrees that Debt Collector waives all
claims against Respondent and indemnifies and holds Respondent harmless against any and all costs and fees heretofore
and hereafter incurred and related re any and all collection attempts involving the hereinabove-referenced alleged account.
Declaration: The Undersigned hereby declares under penalty of perjury of the laws of this State that the statements made in
this Debt Collector Disclosure Statement are true and correct in accordance with the Undersigned’s best firsthand knowledge
and belief.

Date Printed name of Signatory

Official Title of Signatory Authorized Signature for Debt Collector

Debt Collector must timely complete and return this Debt Collector Disclosure Statement, along with all required documents
referenced in said Debt Collector Disclosure Statement. Debt Collector’s claim will not be considered if any portion of this
Debt Collector Disclosure Statement is not completed and timely returned with all required documents, which specifically
includes the requisite verification, made in accordance with law and codified in the Fair Debt Collection Practices Act at 15
USC §1692 et seq., and which states in relevant part: “A debt collector may not use any false, deceptive, or misleading
representation or means in connection with the collection of any debt,” which includes “the false representation of the
character, or legal status of any debt,” and “the threat to take any action that cannot legally be taken,” all of which are
violations of law. If Debt Collector does not respond as required by law, Debt Collector’s claim will not be considered and
Debt Collector may be liable for damages for any continued collection efforts, as well as any other injury sustained by
Respondent. Please allow thirty (30) days for processing after Respondent’s receipt of Debt Collector’s response.

Respondent’s Private International Administrative Remedy Demand No. JHD-032802-JJ

Page 14 of 14
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222

AFFIDAVIT OF DEBT
By and from:
John Henry Doe©
Post Office Box 9999
Los Angeles, CA 90010
Introductory Certification
The Undersigned, John Henry Doe©, hereinafter “Affiant,” does herewith solemnly swear, declare, and state that:
A. Affiant can competently state the matters set forth herewith.
B. Affiant has personal knowledge of the facts stated herein.
C. All the facts stated herein are true, correct, complete, and certain, admissible as evidence, not misleading, the truth, the
whole truth, and nothing but the truth, in accordance with Affiant’s best firsthand knowledge and understanding.
Plain Statement of Facts
D. “Notice by Written Communication/Security Agreement,” hereinafter “Notice by Written Communication,” attached hereto,
made fully part hereof, and included herein by reference, sent by United States Postal Service Registered Mail Article No.
[Registered Mail No.] on [Date sent] and received by JACK JONES on [Date received], notices JACK JONES that:
(1) JACK JONES does not have Affiant’s authorization to use Affiant’s private, common-law-copyrighted trade-
name/trademark, JOHN H. DOE©, nor Affiant’s common-law-copyrighted autograph, i.e. “John Henry Doe”;
(2) Any unauthorized use of Affiant’s common-law-copyrighted property, as described above in paragraph “D(1),” by
JACK JONES constitutes counterfeiting and common-law trade-name/trademark copyright infringement, that
Secured Party neither grants, nor implies, nor otherwise gives consent for any unauthorized use of JOHN H. DOE©,
and that any and all such unauthorized use is strictly prohibited;
(3) Any additional instance of unauthorized use of Secured Party’s common-law-copyrighted trade-name/trademark, not
excluding “John Henry Doe,” by JACK JONES following JACK JONES‘S receipt of Notice by Written Communication
accelerates JACK JONES‘S acceptance of the obligation of the consensual contract by and between JACK JONES and
Affiant, initiated by JACK JONES, as well as the unconditional promise of payment in full thereof, as of the date and time
of the first instance of JACK JONES‘S additional unauthorized use following JACK JONES‘S receipt of Notice by
Written Communication, in strict accordance with terms set forth in paragraphs “(1)” through “(9)” in “Self-executing
Security Agreement”-section of Notice by Written Communication, wherein JACK JONES is “User”; and
[Note: Depending on which opt-out procedure was used in the Notice by Written Communication/Security Agreement,
there will be a particular paragraph “D(4).” The difficult opt-out procedure will require use of the first sample
paragraph “D(4)” below; the simple opt-out procedure (includes Notice by Written Communication/Security Agreement
contained within the 14-page Validation of Debt Package) will require use of the second paragraph “D(4)” below.]
(4) JACK JONES can opt out and withdraw from JACK JONES‘S self-initiated consensual contract between JACK
JONES and Affiant as described above in paragraph “D(3),” and retain no obligation associated therewith, only by
JACK JONES‘S surrender, at the mailing location designated for Affiant in Notice by Written Communication no later
than 12:00 Midnight of the of the fourth (4th) day following JACK JONES‘S receipt of Notice by Written
Communication, of any and all original instruments, documents, and records in any form of recorded media
whatsoever, as well as any and all copies of all such originals in any form of recorded media whatsoever, containing
both the signature of JACK JONES and any counterfeit version of either of: (a) Secured Party’s private, common-law-
copyrighted trade-name/trademark, i.e. JOHN HENRY DOE©; (b) Secured Party’s private, autograph-common-law-
copyrighted property, i.e. “John Henry Doe.”
(4) JACK JONES can opt out and withdraw from JACK JONES‘S self-initiated consensual contract between JACK
JONES and Affiant as described above in paragraph “D(3),” and retain no obligation associated therewith, only by
immediate cessation of any and all further unauthorized use of Secured Party’s common-law-copyrighted property.
[NOTE: Depending on which opt-out procedure was used in the Notice by Written Communication/Security Agreement,
there will be a particular text for paragraph “E.” The difficult opt-out procedure will require use of the first sample
paragraph “E” below; the simple opt-out procedure, (includes Notice by Written Communication/Security Agreement
contained within the 14-page Validation of Debt Package) will require use of the second sample paragraph “E” below.]
FORM JHD-MMDDYY-JJ-AOD Page 1 of 4
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
E. Notice by Written Communication also notices JACK JONES in section entitled “Self-executing Security Agreement” that,
absent JACK JONES‘S surrender of all original instruments, documents, and records in any form of recorded media, as
well as all copies of any such original, containing both JACK JONES‘S signature and any version of any of Secured
Party’s common-law-copyrighted property, as cited above in paragraph “D(4),” JACK JONES accepts the obligation of
JACK JONES‘S self-initiated consensual contract between JACK JONES and Affiant at 12:01 A.M. of the fifth (5th) day
following JACK JONES‘S receipt of Notice by Written Communication, said Notice by Written Communication is rendered
a security agreement, hereinafter “Security Agreement,” wherein JACK JONES is Debtor and Affiant is Secured Party,
and JACK JONES:
E. Notice by Written Communication also notices JACK JONES in section entitled “Self-executing Security Agreement” that
any additional instance of unauthorized use of Secured Party’s common-law-copyrighted property by JACK JONES
following JACK JONES‘S receipt of Notice by Written Communication, as cited above in paragraph “D(3),” accelerates
JACK JONES‘S acceptance of the obligation of the herein-described consensual contract, as well as JACK JONES‘S
unconditional promise of payment in full of said obligation, effective the date of said first instance of additional unauthorized
use following JACK JONES‘S receipt of Notice by Written Communication, said Notice by Written Communication is
rendered a security agreement, hereinafter “Security Agreement,” wherein JACK JONES is Debtor and Affiant is Secured
Party, and JACK JONES:
(1) Grants Secured Party a security interest in all of JACK JONES’S property and rights in property in the sum certain
amount of $500,000.00 per each occurrence of use of common-law-copyrighted trade-name/trademark JOHN
HENRY DOE©, as well as for each and every use of any and all derivatives of, and variations in the spelling of, JOHN
HENRY DOE©, not excluding “John Henry Doe,” plus costs, plus triple damages;
(2) Authenticates Security Agreement cited in paragraph “(2)” of Notice by Written Communication wherein JACK
JONES is Debtor and John Henry Doe© is Secured Party, and wherein JACK JONES pledges all of JACK JONES‘S
tangible and intangible property, and all of JACK JONES‘S interest in all such property, now owned and hereafter
acquired, now existing and hereafter arising, and wherever located, as collateral to secure JACK JONES‘S
contractual obligation in favor of Affiant for JACK JONES‘S unauthorized use of Affiant’s common-law-copyrighted
property;
(3) Consents and agrees with Affiant’s filing of a UCC Financing Statement in the UCC filing office, as well as in any
county recorder’s office, wherein JACK JONES is Debtor and Affiant is Secured Party;
(4) Consents and agrees that any UCC Financing Statement as described hereinabove in paragraph “E(3)” is a
continuing financing statement, and further consents and agrees with Affiant’s filing of any continuation statement
necessary to maintain Affiant’s perfected security interest in all of JACK JONES‘S property and rights in property
pledged as collateral in Security Agreement cited hereinabove in paragraph “E(2),” until JACK JONES‘S contractual
obligation theretofore incurred has been fully satisfied;
(5) Consents and agrees with Affiant’s filing of any UCC Financing Statement, as described hereinabove in paragraph
“E(3),” as well as paragraph “E(4),” and the filing of Security Agreement, as cited above in paragraph “E(2),” in the
UCC filing office, as well as any county recorder’s office;
(6) Consents and agrees that any and all such filings described hereinabove in paragraph “E(4)” and “E(5)” are not, and
may not be considered, bogus, and that JACK JONES will not claim that any such filing is bogus;
(7) Waives all defenses;
(8) Waives rights of presentment, notice of dishonor, and notice of protest;
(9) Appoints Affiant as authorized representative for JACK JONES, effective upon JACK JONES‘S default re JACK
JONES‘S contractual obligations in favor of Affiant as set forth below under “Payment Terms” and “Default Terms,”
with full authorization and power granted Affiant to engage in any and all actions on behalf of JACK JONES,
including, but not limited to, authentication of a record on behalf of JACK JONES, as Affiant, in Affiant’s sole
discretion, deems appropriate, and, as regards any deposit account of any kind maintained with any bank in/under
the name of JACK JONES, and likewise any deposit account maintained with any bank in/under the Taxpayer
Identification Number of JACK JONES, notwithstanding the absence of JACK JONES’S name as account-holder on
any such deposit account maintained with any bank in/under the Taxpayer Identification Number of JACK JONES,
grants Secured Party full authority and power to originate instructions for said deposit-account bank and to direct the
disposition of funds in said deposit account by acting as signatory on said deposit account without further consent of
FORM JHD-MMDDYY-JJ-AOD Page 2 of 4
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
JACK JONES and without liability, and JACK JONES further consents and agrees that this appointment of Secured
Party as authorized representative for JACK JONES, effective upon JACK JONES’S default, is irrevocable and
coupled with a security interest; and
(10)Consents and agrees with all of the following additional terms set forth in “Self-executing Security Agreement”-
section of Notice by Written Communication:
(a) Payment Terms: In accordance with fees for unauthorized use of JOHN H. DOE© as set forth above, JACK
JONES hereby consents and agrees that JACK JONES shall pay Affiant all unauthorized-use fees in full within
ten (10) days of date Affiant’s invoice, hereinafter “Invoice,” itemizing said fees, is sent.
(b) Default Terms: In event of non-payment in full of all unauthorized-use fees by JACK JONES within ten (10) days
of date Invoice is sent, JACK JONES shall be deemed in default and:
(i) All of JACK JONES‘S property and rights in property pledged as collateral by JACK JONES, as cited above
in paragraph “E(2),” immediately becomes, i.e. is, property of Affiant;
(ii) JACK JONES appoints Affiant as JACK JONES‘S authorized representative as cited above in paragraph
“E(9)”; and
(iii) JACK JONES consents and agrees that Affiant may take possession of, as well as otherwise dispose of in
any manner that Affiant, in Affiant’s sole discretion, deems appropriate, including, but not limited to, sale at
auction, at any time following JACK JONES‘S default, and without further notice, any and all of JACK
JONES‘S former property and rights in property formerly pledged as collateral by JACK JONES, now
property of Affiant, in respect of said “Self-executing Security Agreement”-section of Notice by Written
Communication, that Affiant, again in Affiant’s sole discretion, deems appropriate.
(c) Terms for Curing Default: Upon event of default, cited above in paragraph “E(9)(b),” “Default Terms,” JACK
JONES can cure JACK JONES’S default and avoid strict foreclosure re any remainder of JACK JONES’S former
property that is neither in the possession of Secured Party, nor otherwise disposed of by Secured Party, only
within twenty (20) days of JACK JONES’S default and only by payment in full of the balance of the sum certain
amount owed by JACK JONES, as noticed JACK JONES in Invoice, that is not already paid by Secured Party’s
possession, sale, liquidation, and the like of JACK JONES’S former property pledged as collateral to secure
JACK JONES’S obligation.
(d) Terms of Strict Foreclosure: JACK JONES‘S non-payment in full of all unauthorized-use fees itemized in Invoice
within said twenty- (20) day period to cure default cited above in paragraph “E(9)(c),” “Terms for Curing Default,”
authorizes Affiant’s immediate non-judicial strict foreclosure on any and all remaining property and rights in
property formerly pledged as collateral by JACK JONES, now property of Affiant, which is not in the possession
of, nor otherwise disposed of by, Affiant upon expiration of said twenty- (20) day strict-foreclosure period.
[NOTE: Depending on which opt-out procedure was used in the Notice by Written Communication/Security Agreement,
there will be a particular text for paragraph “F.” The difficult opt-out procedure will require use of the first sample
paragraph “F” below; the simple opt-out procedure (includes Notice by Written Communication/Security Agreement
contained within the 14-page Validation of Debt Package) will require use of the second sample paragraph “F” below.]
F. Effective 12:01 A.M. [the eighth day following JACK JONES’ receipt of Notice by Written Communication/Security
Agreement] JACK JONES accepts the obligation of the hereinabove-described private, consensual contract between
JACK JONES and Affiant, initiated by JACK JONES, and:
F. Effective [date of the first additional unauthorized use of Affiant’s copyrighted property following JACK JONES’S
receipt of Notice by Written Communication/Security Agreement or 14-page Validation of Debt Package], JACK
JONES accepts the obligation of the hereinabove-described private, consensual contract between JACK JONES and
Affiant, initiated by JACK JONES, and:
(1) Affiant is granted a security interest in all of JACK JONES‘S property and rights in property by JACK JONES as cited
above in paragraph “E(1)”;
(2) JACK JONES authenticates Security Agreement cited above in paragraph “E(2),” wherein JACK JONES is Debtor
and Affiant is Secured Party;
(3) JACK JONES consents and agrees with Affiant’s filing of a UCC Financing Statement in the UCC filing office, as well
FORM JHD-MMDDYY-JJ-AOD Page 3 of 4
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
as in any county recorder’s office, as cited above in paragraph “E(3),” wherein JACK JONES is Debtor and John
Henry Doe© is Secured Party;
(4) JACK JONES consents and agrees that any UCC Financing Statement as cited above in paragraph “E(3)” is a
continuing financing statement, and further consents and agrees with Affiant’s filing of any continuation statement
necessary to maintain Affiant’s perfected security interest in all of JACK JONES‘S property and rights in property
pledged as collateral in Security Agreement as cited above in paragraph “E(2),” until JACK JONES‘S contractual
obligation theretofore incurred has been fully satisfied;
(5) JACK JONES consents and agrees with Affiant’s filing of any UCC Financing Statement, as cited hereinabove in
paragraph “E(3),” as well as paragraph “E(4),” and the filing of “Security Agreement,” as cited above in paragraph
“E(2),” in the UCC filing office, as well as in any county recorder’s office ;
(6) JACK JONES consents and agrees that any and all such filings as cited above in paragraph “E(4)” and “E(5)” are
not, and may not be considered, bogus, and that JACK JONES will not claim that any such filing is bogus;
(7) JACK JONES waives all defenses;
(8) JACK JONES waives presentment, notice of dishonor, and notice of protest;
(9) JACK JONES appoints Affiant authorized representative for JACK JONES, effective upon JACK JONES‘S default re
JACK JONES‘S contractual obligations in favor of Affiant as cited above in paragraphs “E(10)(a)” and “E(10)(b)”; and
(10) JACK JONES consents and agrees with “Payment Terms,” “Default Terms,” “Terms for Curing Default,” and “Terms
of Strict Foreclosure” as cited above in paragraphs “E(10)(a),” “E(10)(b),” “E(10)(c),” and “E(10)(d),” respectively.
G. Total debt now due and owing by JACK JONES in favor of Affiant is the sum certain amount of [Dollar-amount spelled
out in words] United States Dollars ($[Dollar-amount numerically]), which amount is certified in “Invoice – Verified
Statement of Account” dated [Date of Invoice], attached hereto, made fully part hereof, and included herein by reference,
and, as of the date of this Affidavit of Debt, consists of the following:
(1) All unauthorized-use fees;
(2) All reasonable costs associated with enforcing the security interest and collecting the indebtedness; and
(3) Total damages calculated in United States Dollars and multiplied by a factor of 3 (i.e. Damages in United States
Dollars X 3);
H. The debt described hereinabove in paragraph “G” is the result of a private, consensual transaction by and between JACK
JONES and Affiant, and is neither the result of a commercial transaction, nor a consumer-goods transaction.
Verification and Certification
I. The Undersigned Affiant, John Henry Doe , does herewith swear, declare, and affirm that Affiant executes this Affidavit
©

with sincere intent, that Affiant can competently state the matters set forth herein, that the contents are true, correct,
complete, and certain, not misleading, and the truth, the whole truth, and nothing but the truth in accordance with Affiant’s
best firsthand knowledge and understanding.
Enclosures/Attachments:
Attachment A: Notice by Written Communication/Security Agreement, with attachments
Attachment B: Affidavit of Mailing re Notice by Written Communication/Security Agreement
Attachment C: (USPS) PS Form 3811 re Notice by Written Communication/Security Agreement
Attachment D: Invoice – Verified Statement of Account, with attachments
Attachment E: Affidavit of Mailing re Invoice – Verified Statement of Account
Attachment F: (USPS) PS Form 3811 re Invoice – Verified Statement of Account
Date: The [Sequential] Day of the [Sequential] Month in the Year of Our Lord Two Thousand [Year]
Signed:

Autograph Common Law Copyright© 1973 by John Henry Doe©, EID # 1234-56789. All Rights Reserved. No part of this Common Law
Copyright made be reproduced in any manner without prior, express, written permission from John Henry Doe© as signified by John Henry
Doe©’s signature in red ink. Unauthorized use of “John Henry Doe” incurs same unauthorized-use fees as those associated with JOHN
HENRY DOE ©, as cited above in this “Affidavit of Debt” in paragraph “E(1).”
FORM JHD-MMDDYY-JJ-AOD Page 4 of 4
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222

AFFIDAVIT OF DEBT
By and from:
John Henry Doe©
Post Office Box 9999
Los Angeles, CA 90010
Introductory Certification
The Undersigned, John Henry Doe©, hereinafter “Affiant,” does herewith solemnly swear, declare, and state that:
A. Affiant can competently state the matters set forth herewith.
B. Affiant has personal knowledge of the facts stated herein.
C. All the facts stated herein are true, correct, complete, and certain, admissible as evidence, not misleading, the truth, the
whole truth, and nothing but the truth, in accordance with Affiant’s best firsthand knowledge and understanding.
Plain Statement of Facts
D. “Notice by Written Communication/Security Agreement,” hereinafter “Notice by Written Communication,” attached hereto,
made fully part hereof, and included herein by reference, sent by United States Postal Service Registered Mail Article No.
[Registered Mail No.] on [Date sent] and received by JACK JONES on [Date received], notices JACK JONES that:
(1) JACK JONES does not have Affiant’s authorization to use Affiant’s private, common-law-copyrighted trade-
name/trademark, JOHN H. DOE©, nor Affiant’s common-law-copyrighted autograph, i.e. “John Henry Doe”;
(2) Any unauthorized use of Affiant’s common-law-copyrighted property, as described above in paragraph “D(1),” by
JACK JONES constitutes counterfeiting and common-law trade-name/trademark copyright infringement, that
Secured Party neither grants, nor implies, nor otherwise gives consent for any unauthorized use of JOHN H. DOE©,
and that any and all such unauthorized use is strictly prohibited;
(3) Any additional instance of unauthorized use of Secured Party’s common-law-copyrighted trade-name/trademark, not
excluding “John Henry Doe,” by JACK JONES following JACK JONES‘S receipt of Notice by Written Communication
accelerates JACK JONES‘S acceptance of the obligation of the consensual contract by and between JACK JONES and
Affiant, initiated by JACK JONES, as well as the unconditional promise of payment in full thereof, as of the date and time
of the first instance of JACK JONES‘S additional unauthorized use following JACK JONES‘S receipt of Notice by
Written Communication, in strict accordance with terms set forth in paragraphs “(1)” through “(9)” in “Self-executing
Security Agreement”-section of Notice by Written Communication, wherein JACK JONES is “User”; and
[Note: Depending on which opt-out procedure was used in the Notice by Written Communication/Security Agreement,
there will be a particular paragraph “D(4).” The difficult opt-out procedure will require use of the first sample
paragraph “D(4)” below; the simple opt-out procedure (includes Notice by Written Communication/Security Agreement
contained within the 14-page Validation of Debt Package) will require use of the second paragraph “D(4)” below.]
(4) JACK JONES can opt out and withdraw from JACK JONES‘S self-initiated consensual contract between JACK
JONES and Affiant as described above in paragraph “D(3),” and retain no obligation associated therewith, only by
JACK JONES‘S surrender, at the mailing location designated for Affiant in Notice by Written Communication no later
than 12:01 A.M. of the of the fifth (5th) day following JACK JONES‘S receipt of Notice by Written Communication, of
any and all original instruments, documents, and records in any form of recorded media whatsoever, as well as any
and all copies of all such originals in any form of recorded media whatsoever, containing both the signature of JACK
JONES and any counterfeit version of either of: (a) Secured Party’s private, common-law-copyrighted trade-
name/trademark, i.e. JOHN HENRY DOE©; (b) Secured Party’s private, autograph-common-law-copyrighted property,
i.e. “John Henry Doe.”
(4) JACK JONES can opt out and withdraw from JACK JONES‘S self-initiated consensual contract between JACK
JONES and Affiant as described above in paragraph “D(3),” and retain no obligation associated therewith, only by
immediate cessation of any and all further unauthorized use of Secured Party’s common-law-copyrighted property.
[NOTE: Depending on which opt-out procedure was used in the Notice by Written Communication/Security Agreement,
there will be a particular text for paragraph “E.” The difficult opt-out procedure will require use of the first sample
paragraph “E” below; the simple opt-out procedure, (includes Notice by Written Communication/Security Agreement
contained within the 14-page Validation of Debt Package) will require use of the second sample paragraph “E” below.]
FORM JHD-MMDDYY-JJ-AOD Page 1 of 4
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
E. Notice by Written Communication also notices JACK JONES in section entitled “Self-executing Security Agreement” that,
absent JACK JONES‘S surrender of all original instruments, documents, and records in any form of recorded media, as
well as all copies of any such original, containing both JACK JONES‘S signature and any version of any of Secured
Party’s common-law-copyrighted property, as cited above in paragraph “D(4),” JACK JONES accepts the obligation of
JACK JONES‘S self-initiated consensual contract between JACK JONES and Affiant at 12:01 A.M. of the fifth (5th) day
following JACK JONES‘S receipt of Notice by Written Communication, said Notice by Written Communication is rendered
a security agreement, hereinafter “Security Agreement,” wherein JACK JONES is Debtor and Affiant is Secured Party,
and JACK JONES:
E. Notice by Written Communication also notices JACK JONES in section entitled “Self-executing Security Agreement” that
any additional instance of unauthorized use of Secured Party’s common-law-copyrighted property by JACK JONES
following JACK JONES‘S receipt of Notice by Written Communication, as cited above in paragraph “D(3),” accelerates
JACK JONES‘S acceptance of the obligation of the herein-described consensual contract, as well as JACK JONES‘S
unconditional promise of payment in full of said obligation, effective the date of said first instance of additional unauthorized
use following JACK JONES‘S receipt of Notice by Written Communication, said Notice by Written Communication is
rendered a security agreement, hereinafter “Security Agreement,” wherein JACK JONES is Debtor and Affiant is Secured
Party, and JACK JONES:
(1) Grants Secured Party a security interest in all of JACK JONES’S property and rights in property in the sum certain
amount of $500,000.00 per each occurrence of use of common-law-copyrighted trade-name/trademark JOHN
HENRY DOE©, as well as for each and every use of any and all derivatives of, and variations in the spelling of, JOHN
HENRY DOE©, not excluding “John Henry Doe,” plus costs, plus triple damages;
(2) Authenticates Security Agreement cited in paragraph “(2)” of Notice by Written Communication wherein JACK
JONES is Debtor and John Henry Doe© is Secured Party, and wherein JACK JONES pledges all of JACK JONES‘S
tangible and intangible property, and all of JACK JONES‘S interest in all such property, now owned and hereafter
acquired, now existing and hereafter arising, and wherever located, as collateral to secure JACK JONES‘S
contractual obligation in favor of Affiant for JACK JONES‘S unauthorized use of Affiant’s common-law-copyrighted
property;
(3) Consents and agrees with Affiant’s filing of a UCC Financing Statement in the UCC filing office, as well as in any
county recorder’s office, wherein JACK JONES is Debtor and Affiant is Secured Party;
(4) Consents and agrees that any UCC Financing Statement as described hereinabove in paragraph “E(3)” is a
continuing financing statement, and further consents and agrees with Affiant’s filing of any continuation statement
necessary to maintain Affiant’s perfected security interest in all of JACK JONES‘S property and rights in property
pledged as collateral in Security Agreement cited hereinabove in paragraph “E(2),” until JACK JONES‘S contractual
obligation theretofore incurred has been fully satisfied;
(5) Consents and agrees with Affiant’s filing of any UCC Financing Statement, as described hereinabove in paragraph
“E(3),” as well as paragraph “E(4),” and the filing of Security Agreement, as cited above in paragraph “E(2),” in the
UCC filing office, as well as any county recorder’s office;
(6) Consents and agrees that any and all such filings described hereinabove in paragraph “E(4)” and “E(5)” are not, and
may not be considered, bogus, and that JACK JONES will not claim that any such filing is bogus;
(7) Waives all defenses;
(8) Appoints Affiant as Authorized Representative for JACK JONES, effective upon JACK JONES‘S default re JACK
JONES‘S contractual obligations in favor of Affiant as set forth below under “Payment Terms” and “Default Terms,”
with full authorization and power granted Affiant to engage in any and all actions on behalf of JACK JONES,
including, but not limited to, authentication of a record on behalf of JACK JONES, as Affiant, in Affiant’s sole
discretion, deems appropriate, and, as regards any deposit account of any kind maintained with any bank in/under
the name of JACK JONES, and likewise any deposit account maintained with any bank in/under the Social Security
Account Number of JACK JONES, notwithstanding the absence of JACK JONES’S name as account-holder on any
such deposit account maintained with any bank in/under the Social Security Account Number of JACK JONES,
grants Secured Party full authority and power to originate instructions for said deposit-account bank and to direct the
disposition of funds in said deposit account by acting as signatory on said deposit account without further consent of
JACK JONES and without liability, and JACK JONES further consents and agrees that this appointment of Secured
FORM JHD-MMDDYY-JJ-AOD Page 2 of 4
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
Party as Authorized Representative for JACK JONES, effective upon JACK JONES’S default, is irrevocable and
coupled with a security interest; and
(9) Consents and agrees with all of the following additional terms set forth in “Self-executing Security Agreement”-
section of Notice by Written Communication:
(a) Payment Terms: In accordance with fees for unauthorized use of JOHN H. DOE© as set forth above, JACK
JONES hereby consents and agrees that JACK JONES shall pay Affiant all unauthorized-use fees in full within
ten (10) days of date Affiant’s invoice, hereinafter “Invoice,” itemizing said fees, is sent.
(b) Default Terms: In event of non-payment in full of all unauthorized-use fees by JACK JONES within ten (10) days
of date Invoice is sent, JACK JONES shall be deemed in default and:
(i) All of JACK JONES‘S property and rights in property pledged as collateral by JACK JONES, as cited above
in paragraph “E(2),” immediately becomes, i.e. is, property of Affiant;
(ii) JACK JONES appoints Affiant as JACK JONES‘S Authorized Representative as cited above in paragraph
“E(8)”; and
(iii) JACK JONES consents and agrees that Affiant may take possession of, as well as otherwise dispose of in
any manner that Affiant, in Affiant’s sole discretion, deems appropriate, including, but not limited to, sale at
auction, at any time following JACK JONES‘S default, and without further notice, any and all of JACK
JONES‘S former property and rights in property formerly pledged as collateral by JACK JONES, now
property of Affiant, in respect of said “Self-executing Security Agreement”-section of Notice by Written
Communication, that Affiant, again in Affiant’s sole discretion, deems appropriate.
(c) Terms for Curing Default: Upon event of default, cited above in paragraph “E(9)(b),” “Default Terms,” JACK
JONES can cure JACK JONES’S default and avoid strict foreclosure re any remainder of JACK JONES’S former
property that is neither in the possession of Secured Party, nor otherwise disposed of by Secured Party, only
within twenty (20) days of JACK JONES’S default and only by payment in full of the balance of the sum certain
amount owed by JACK JONES, as noticed JACK JONES in Invoice, that is not already paid by Secured Party’s
possession, sale, liquidation, and the like of JACK JONES’S former property pledged as collateral to secure
JACK JONES’S obligation.
(d) Terms of Strict Foreclosure: JACK JONES‘S non-payment in full of all unauthorized-use fees itemized in Invoice
within said twenty- (20) day period to cure default cited above in paragraph “E(9)(c),” “Terms for Curing Default,”
authorizes Affiant’s immediate non-judicial strict foreclosure on any and all remaining property and rights in
property formerly pledged as collateral by JACK JONES, now property of Affiant, which is not in the possession
of, nor otherwise disposed of by, Affiant upon expiration of said twenty- (20) day strict-foreclosure period.
[NOTE: Depending on which opt-out procedure was used in the Notice by Written Communication/Security Agreement,
there will be a particular text for paragraph “F.” The difficult opt-out procedure will require use of the first sample
paragraph “F” below; the simple opt-out procedure (includes Notice by Written Communication/Security Agreement
contained within the 14-page Validation of Debt Package) will require use of the second sample paragraph “F” below.]
F. Effective 12:01 A.M. [the fifth day following JACK JONES’ receipt of Notice by Written Communication/Security
Agreement] JACK JONES accepts the obligation of the hereinabove-described private, consensual contract between
JACK JONES and Affiant, initiated by JACK JONES, and:
F. Effective [date of the first additional unauthorized use of Affiant’s copyrighted property following JACK JONES’S
receipt of Notice by Written Communication/Security Agreement or 14-page Validation of Debt Package], JACK
JONES accepts the obligation of the hereinabove-described private, consensual contract between JACK JONES and
Affiant, initiated by JACK JONES, and:
(1) Affiant is granted a security interest in all of JACK JONES‘S property and rights in property by JACK JONES as cited
above in paragraph “E(1)”;
(2) JACK JONES authenticates Security Agreement cited above in paragraph “E(2),” wherein JACK JONES is Debtor
and Affiant is Secured Party;
(3) JACK JONES consents and agrees with Affiant’s filing of a UCC Financing Statement in the UCC filing office, as well
as in any county recorder’s office, as cited above in paragraph “E(3),” wherein JACK JONES is Debtor and John
FORM JHD-MMDDYY-JJ-AOD Page 3 of 4
JONES, JACK
5143 Tunnel Vision Drive, Columbus, OH 43222
Henry Doe© is Secured Party;
(4) JACK JONES consents and agrees that any UCC Financing Statement as cited above in paragraph “E(3)” is a
continuing financing statement, and further consents and agrees with Affiant’s filing of any continuation statement
necessary to maintain Affiant’s perfected security interest in all of JACK JONES‘S property and rights in property
pledged as collateral in Security Agreement as cited above in paragraph “E(2),” until JACK JONES‘S contractual
obligation theretofore incurred has been fully satisfied;
(5) JACK JONES consents and agrees with Affiant’s filing of any UCC Financing Statement, as cited hereinabove in
paragraph “E(3),” as well as paragraph “E(4),” and the filing of “Security Agreement,” as cited above in paragraph
“E(2),” in the UCC filing office, as well as in any county recorder’s office ;
(6) JACK JONES consents and agrees that any and all such filings as cited above in paragraph “E(4)” and “E(5)” are
not, and may not be considered, bogus, and that JACK JONES will not claim that any such filing is bogus;
(7) JACK JONES waives all defenses;
(8) JACK JONES appoints Affiant Authorized Representative for JACK JONES, effective upon JACK JONES‘S default re
JACK JONES‘S contractual obligations in favor of Affiant as cited above in paragraphs “E(9)(a)” and “E(9)(b)”; and
(9) JACK JONES consents and agrees with “Payment Terms,” “Default Terms,” “Terms for Curing Default,” and “Terms
of Strict Foreclosure” as cited above in paragraphs “E(9)(a),” “E(9)(b),” “E(9)(c),” and “E(9)(d),” respectively.
G. Total debt now due and owing by JACK JONES in favor of Affiant is the sum certain amount of [Dollar-amount spelled
out in words] United States Dollars ($[Dollar-amount numerically]), which amount is certified in “Invoice – Verified
Statement of Account” dated [Date of Invoice], attached hereto, made fully part hereof, and included herein by reference,
and, as of the date of this Affidavit of Debt, consists of the following:
(1) All unauthorized-use fees;
(2) All reasonable costs associated with enforcing the security interest and collecting the indebtedness; and
(3) Total damages calculated in United States Dollars and multiplied by a factor of 3 (i.e. Damages in United States
Dollars X 3);
H. The debt described hereinabove in paragraph “G” is the result of a private, consensual transaction by and between JACK
JONES and Affiant, and is neither the result of a commercial transaction, nor a consumer-goods transaction.
Verification and Certification
I. The Undersigned Affiant, John Henry Doe©, does herewith swear, declare, and affirm that Affiant executes this Affidavit
with sincere intent, that Affiant can competently state the matters set forth herein, that the contents are true, correct,
complete, and certain, not misleading, and the truth, the whole truth, and nothing but the truth in accordance with Affiant’s
best firsthand knowledge and understanding.
Enclosures/Attachments:
Attachment A: Notice by Written Communication/Security Agreement, with attachments
Attachment B: Affidavit of Mailing re Notice by Written Communication/Security Agreement
Attachment C: (USPS) PS Form 3811 re Notice by Written Communication/Security Agreement
Attachment D: Invoice – Verified Statement of Account, with attachments
Attachment E: Affidavit of Mailing re Invoice – Verified Statement of Account
Attachment F: (USPS) PS Form 3811 re Invoice – Verified Statement of Account
Date: The [Sequential] Day of the [Sequential] Month in the Year of Our Lord Two Thousand [Year]
Signed:

Autograph Common Law Copyright© 1973 by John Henry Doe©, EID # 1234-56789. All Rights Reserved. No part of this Common Law
Copyright made be reproduced in any manner without prior, express, written permission from John Henry Doe© as signified by John Henry
Doe©’s signature in red ink. Unauthorized use of “John Henry Doe” incurs same unauthorized-use fees as those associated with JOHN
HENRY DOE©, as cited above in this “Affidavit of Debt” in paragraph “E(1).”

FORM JHD-MMDDYY-JJ-AOD Page 4 of 4

UCC FINANCING STATEMENT
FOLLOW INSTRUCTIONS (front and back) CAREFULLY
A. NAME & PHONE OF CONTACT AT FILER [optional]

B. SEND ACKNOWLEDGMENT TO: (Name and Address)

John Henry Doe

Post Office Box 9999
Los Angeles, CA 90010

THE ABOVE SPACE IS FOR FILING OFFICE USE ONLY

1. DEBTOR'S EXACT FULL LEGAL NAME - insert only one debtor name (1a or 1b) - do not abbreviate or combine names
1a. ORGANIZATION'S NAME

OR 1b. INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

JONES JACK
1c. MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY

5143 Tunnel Vision Drive Columbus OH 43222

1d. TAX ID #: SSN OR EIN ADD'L INFO RE 1e. TYPE OF ORGANIZATION 1f. JURISDICTION OF ORGANIZATION 1g. ORGANIZATIONAL ID #, if any
ORGANIZATION
666-86-0000 DEBTOR NONE
2. ADDITIONAL DEBTOR'S EXACT FULL LEGAL NAME - insert only one debtor name (2a or 2b) - do not abbreviate or combine names
2a. ORGANIZATION'S NAME

OR FIRST NAME MIDDLE NAME SUFFIX

2b. INDIVIDUAL'S LAST NAME

2c. MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY

2d. TAX ID #: SSN OR EIN ADD'L INFO RE 2e. TYPE OF ORGANIZATION 2f. JURISDICTION OF ORGANIZATION 2g. ORGANIZATIONAL ID #, if any
ORGANIZATION
DEBTOR NONE
3. SECURED PARTY'S NAME (or NAME of TOTAL ASSIGNEE of ASSIGNOR S/P) - insert only one secured party name (3a or 3b)
3a. ORGANIZATION'S NAME

OR
3b. INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME SUFFIX
Doe John Henry
3c. MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY

Post Office Box 9999 Los Angeles CA 90010

4. This FINANCING STATEMENT covers the following collateral:
All of debtor's assets, land, and personal property, and all of debtor's rights in said assets, land, and
personal property, now owned and hereafter acquired, now existing and hereafter arising, and
wherever located, described fully in Security Agreement No. JHD-032802-JJ dated March 28, 2002.
Notarized Affidavit of Debt No. JHD-053102-JJ, dated May 31, 2002, with the following attachments:
Notice by Written Communication/Security Agreement No. JHD-032802-JJ, dated March 28, 2002
and related notarized Affidavit of Mailing and PS Form 3811; and Invoice - Verified Statement of
Account, and related notarized Affidavit of Mailing, PS Form 3811, and other attachments. Inquiring
parties may consult directly with debtor for ascertaining, in detail, the financial relationship and
contractual obligations associated with this commercial transaction, identified in Security Agreement
No. JHD-031402-JJ, dated March 14, 2002. Secured Party accepts Debtor's signature in accord with
UCC §§ 1-201(39), 3-401.
5. ALTERNATIVE DESIGNATION [if applicable]: LESSEE/LESSOR CONSIGNEE/CONSIGNOR BAILEE/BAILOR SELLER/BUYER AG. LIEN NON-UCC FILING
6. This FINANCING STATEMENT is to be filed [for record] (or recorded) in the REAL 7. Check to REQUEST SEARCH REPORT(S) on Debtor(s)
ESTATE RECORDS. Attach Addendum [if applicable] [ADDITIONAL FEE] [optional] All Debtors Debtor 1 Debtor 2
8. OPTIONAL FILER REFERENCE DATA

FILING OFFICE COPY — NATIONAL UCC FINANCING STATEMENT (FORM UCC1) (REV. 07/29/98)
UCC FINANCING STATEMENT ADDENDUM
FOLLOW INSTRUCTIONS (front and back) CAREFULLY
9. NAME OF FIRST DEBTOR (1a or 1b) ON RELATED FINANCING STATEMENT
9a. ORGANIZATION'S NAME

OR
9b. INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME,SUFFIX

JONES JACK
10. MISCELLANEOUS:

THE ABOVE SPACE IS FOR FILING OFFICE USE ONLY

11. ADDITIONAL DEBTOR'S EXACT FULL LEGAL NAME - insert only one name (11a or 11b) - do not abbreviate or combine names
11a. ORGANIZATION'S NAME

OR
11b. INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

11c. MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY

11d. TAX ID #: SSN OR EIN ADD'L INFO RE 11e. TYPE OF ORGANIZATION 11f. JURISDICTION OF ORGANIZATION 11g. ORGANIZATIONAL ID #, if any
ORGANIZATION
DEBTOR n NONE

12. ADDITIONAL SECURED PARTY'S or ASSIGNOR S/P'S NAME - insert only one name (12a or 12b)
12a. ORGANIZATION'S NAME

OR
12b. INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

12c. MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY

13. This FINANCING STATEMENT covers timber to be cut or as-extracted 16. Additional collateral description:
collateral, or is filed as a
14. Description of real estate:
✘ fixture filing.

15. Name and address of a RECORD OWNER of above-described real estate

(if Debtor does not have a record interest):

17. Check only if applicable and check only one box.

Debtor is a
n Trust or Trustee acting with respect to property held in trust or
18. Check only if applicable and check only one box.
Decedent's Estate

Debtor is a TRANSMITTING UTILITY

Filed in connection with a Manufactured-Home Transaction — effective 30 years

Filed in connection with a Public-Finance Transaction — effective 30 years

FILING OFFICE COPY — NATIONAL UCC FINANCING STATEMENT ADDENDUM (FORM UCC1Ad) (REV. 07/29/98)
UCC FINANCING STATEMENT AMENDMENT
FOLLOW INSTRUCTIONS (front and back) CAREFULLY
A. NAME & PHONE OF CONTACT AT FILER [optional]

B. SEND ACKNOWLEDGMENT TO: (Name and Address)

Lynn Chester Waits

General Post Office
Fort Worth, Texas

THE ABOVE SPACE IS FOR FILING OFFICE USE ONLY

1a. INITIAL FINANCING STATEMENT FILE # 1b. This FINANCING STATEMENT AMENDMENT is

2.
n to be filed [for record] (or recorded) in the
REAL ESTATE RECORDS.
TERMINATION: Effectiveness of the Financing Statement identified above is terminated with respect to security interest(s) of the Secured Party authorizing this Termination Statement.
3. CONTINUATION: Effectiveness of the Financing Statement identified above with respect to security interest(s) of the Secured Party authorizing this Continuation Statement is
continued for the additional period provided by applicable law.

4. ASSIGNMENT (full or partial): Give name of assignee in item 7a or 7b and address of assignee in item 7c; and also give name of assignor in item 9.
5. AMENDMENT (PARTY INFORMATION): This Amendment affects Debtor or Secured Party of record. Check only one of these two boxes.
Also check one of the following three boxes and provide appropriate information in items 6 and/or 7.

n CHANGE name and/or address: Give current record name in item 6a or 6b; also give new
name (if name change) in item 7a or 7b and/or new address (if address change) in item 7c.
6. CURRENT RECORD INFORMATION:
DELETE name: Give record name
to be deleted in item 6a or 6b.
ADD name: Complete item 7a or 7b, and also
item 7c; also complete items 7d-7g (if applicable).

6a. ORGANIZATION'S NAME

OR 6b. INDIVIDUAL'S LAST NAME MIDDLE NAME

FIRST NAME SUFFIX

7. CHANGED (NEW) OR ADDED INFORMATION:

7a. ORGANIZATION'S NAME

OR
7b. INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

7c. MAILING ADDRESS CITY STATE POSTAL CODE COUNTRY

7d. TAX ID #: SSN OR EIN ADD'L INFO RE 7e. TYPE OF ORGANIZATION 7f. JURISDICTION OF ORGANIZATION 7g. ORGANIZATIONAL ID #, if any
ORGANIZATION
DEBTOR NONE
8. AMENDMENT (COLLATERAL CHANGE): check only one box.
Describe collateral deleted or added, or give entire
✘ restated collateral description, or describe collateral assigned.

All of debtor's assets, land, and personal property, and all of debtor's interest in said assets, land,
and personal property, now owned and hereafter acquired, now existing and hereafter arising, and
wherever located, described fully in Security Agreement No. JHD-031402-JJ dated March 14, 2002.
Notarized Affidavit of Debt No. JHD-053102-JJ, dated May 31, 2002, with the following attachments:
Notice by Written Communication/Security Agreement No. LCW-032802-JJ, dated March 28, 2002
and related notarized Affidavit of Mailing and PS Form 3811; and Invoice - Verified Statement of
Account, and related notarized Affidavit of Mailing, PS Form 3811, and other attachments. Inquiring
parties may consult directly with debtor for ascertaining, in detail, the financial relationship and
contractual obligations associated with this commercial transaction, identified in Security Agreement
9. NAME OF SECURED PARTY OF RECORD AUTHORIZING THIS AMENDMENT (name of assignor, if this is an Assignment). If this is an Amendment authorized by a Debtor which
adds collateral or adds the authorizing Debtor, or if this is a Termination authorized by a Debtor, check here
9a. ORGANIZATION'S NAME
n
and enter name of DEBTOR authorizing this Amendment.

OR
9b. INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME SUFFIX

JACKSON LEE F.
10. OPTIONAL FILER REFERENCE DATA

FILING OFFICE COPY — NATIONAL UCC FINANCING STATEMENT AMENDMENT (FORM UCC3) (REV. 07/29/98)WASHINGTON FILLABLE (REV. 09/13/2001)
UCC FINANCING STATEMENT AMENDMENT ADDENDUM
FOLLOW INSTRUCTIONS (front and back) CAREFULLY
11. INITIAL FINANCING STATEMENT FILE # (same as item 1a on Amendment form)

12. NAME OF PARTY AUTHORIZING THIS AMENDMENT (same as item 9 on Amendment form)
12a. ORGANIZATION'S NAME

OR
12b. INDIVIDUAL'S LAST NAME FIRST NAME MIDDLE NAME,SUFFIX

JACKSON LEE F.
13. Use this space for additional information

THE ABOVE SPACE IS FOR FILING OFFICE USE ONLY

financial relationship and contractual obligations associated with this commercial

transaction, identified in Security Agreement No.LCW-032802-LJ, dated March 28,
2002. Secured Party accepts Debtor's signature in accord with UCC §§ 1-201(39),
3-401.

FILING OFFICE COPY — NATIONAL UCC FINANCING STATEMENT AMENDMENT ADDENDUM (FORM UCC3Ad) (REV. 07/29/98)WASHINGTON FILLABLE (REV. 09/13/2001)
MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212

Non-Negotiable U.S.P.S. Registered Mail Article No. RR111222333US

March 14, 2002 John Henry Doe©
Post Office Box 9999
Los Angeles, CA 90010

LAWRENCE D. MITCHELL
MITCHELL & GREENE, L.L.P.
9500 Wilshire Boulevard
Beverly Hills, CA 90212
NOTICE BY WRITTEN COMMUNICATION / SECURITY AGREEMENT
This Notice by Written Communication/Security Agreement, hereinafter “Notice by Written Communication,” is sent for the
purpose of clearing up a misunderstanding on the part of John Henry Doe©, hereinafter “Secured Party.” Considering the
seriousness of this matter Secured Party has determined that it is vital that all communication by and between Secured Party
and LAWRENCE D. MITCHELL be in written form so that a proper record is maintained for Secured Party’s remedy should
such need ever arise. In event LAWRENCE D. MITCHELL determines that legal advice is necessary, LAWRENCE D.
MITCHELL may hire a professional qualified to provide such advice. LAWRENCE D. MITCHELL may correspond with
Secured Party only by designating addressee on any envelope, package, and the like, intended for Secured Party as “Secured
Party.” LAWRENCE D. MITCHELL‘S use of any other addressee designation on any correspondence intended for Secured
Party is not authorized and accelerates LAWRENCE D. MITCHELL‘S acceptance of the obligation of the herein-below-
described consensual contract effective the date any such unauthorized correspondence is sent Secured Party by
LAWRENCE D. MITCHELL and in accordance with other terms set forth herein below under “Acceleration of Acceptance of
Obligation of Consensual Contract.”
It is Secured Party’s understanding that LAWRENCE D. MITCHELL does not hold a perfected security interest in any property
of JOHN HENRY DOE©, also known by any and all derivatives and variations in the spelling of said name used with the intent
of referencing JOHN HENRY DOE©, e.g. JOHN H. DOE©, and likewise in any secured collateral of Secured Party. In event
LAWRENCE D. MITCHELL claims a perfected security interest in any property of JOHN HENRY DOE©, i.e. in any secured
collateral of Secured Party, LAWRENCE D. MITCHELL must provide Secured Party with proof of superiority of any such
perfected security interest of LAWRENCE D. MITCHELL‘S over that of Secured Party’s within seventy-two (72) hours of
midnight the day following LAWRENCE D. MITCHELL‘S receipt of this Notice by Written Communication.
Secured Party is not now, nor has Secured Party ever been a surety, nor an accommodation party, for JOHN HENRY DOE©,
nor for any derivative of, nor for any variation in the spelling of, JOHN HENRY DOE©, nor for any other juristic person, and is so
indemnified and held harmless by JOHN HENRY DOE© in Hold-harmless and Indemnity Agreement No. JHD-030473-HHIA
dated the Fourth Day of the Third Month in the Year of Our Lord One Thousand Nine Hundred Seventy-three against any and
all claims, legal actions, orders, warrants, judgments, demands, liabilities, losses, depositions, summonses, lawsuits, costs,
fines, liens, levies, penalties, damages, interests, and expenses whatsoever, both absolute and contingent, as are due and as
might become due, now existing and as might hereafter arise, and as might be suffered by, imposed on, and incurred by JOHN
HENRY DOE© for any and every reason, purpose, and cause whatsoever.
Unauthorized Use Strictly Prohibited
All rights reserved re common-law copyright of trade-name/trade-mark JOHN HENRY DOE©—as well as any and all
derivatives and variations in the spelling of said trade-name/trade-mark, not excluding “John Henry Doe”—Common Law
Copyright © 1973 by John Henry Doe©. Said trade-name/trade-mark, JOHN HENRY DOE©, may neither be displayed, nor
used, nor reproduced in whole, nor in part, nor in any manner whatsoever, without the prior, express, written consent and
acknowledgment of Secured Party, subscribed with Secured Party’s hand-signed signature in red ink.
This Notice by Written Communication provides LAWRENCE D. MITCHELL with notice that “JOHN H. DOE” is a common-law
trade-name/trade-mark and common-law copyright of John Henry Doe©, i.e. Secured Party, that any unauthorized use of
JOHN H. DOE© by LAWRENCE D. MITCHELL constitutes counterfeiting and common-law trade-name/trade-mark copyright
infringement, that Secured Party neither grants, nor implies, nor otherwise gives consent for any unauthorized use of JOHN H.
DOE ©, and that any and all such unauthorized use is strictly prohibited.

NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM

Page 1 of 5
MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212
Acceleration of Acceptance of Obligation of Consensual Contract
With the intent of being contractually bound, any juristic person, including, but not limited to, LAWRENCE D. MITCHELL and
MITCHELL & GREENE, L.L.P., consents and agrees by this Notice by Written Communication that said juristic person shall
neither display, nor reproduce, nor otherwise use in any manner, the common-law trade-name/trade-mark JOHN HENRY
DOE ©, nor the common-law copyright associated therewith, nor any derivative of, nor any variation in the spelling of, JOHN
HENRY DOE©, not excluding “John Henry Doe,” without the prior, express, written consent and acknowledgment of Secured
Party, subscribed with Secured Party’s hand-signed signature in red ink, and that any such additional instance of unauthorized
use of Secured Party’s common-law-copyrighted property by LAWRENCE D. MITCHELL following LAWRENCE D.
MITCHELL‘S receipt of this Notice by Written Communication accelerates LAWRENCE D. MITCHELL‘S acceptance of the
obligation of the herein-described consensual contract, as well as the unconditional promise of payment in full of said obligation,
effective the date of the first instance of additional unauthorized use following LAWRENCE D. MITCHELL‘S receipt of this Notice
by Written Communication, in strict accordance with terms set forth below in paragraphs “(1)” through “(9)” under “Self-executing
Security Agreement,” wherein LAWRENCE D. MITCHELL is “User.”
Procedure to Opt Out of Consensual Contract
JACK JONES‘S unauthorized use, i.e. counterfeiting, of Secured Party’s common-law trade-name/trademark and copyright
consensually contractually binds LAWRENCE D. MITCHELL with Secured Party, as of LAWRENCE D. MITCHELL‘S initial
unauthorized use of Secured Party’s private property, in respect of fair compensation due Secured Party for use of Secured
Party’s private property. LAWRENCE D. MITCHELL can opt out and withdraw from LAWRENCE D. MITCHELL‘S consensual
contract with Secured Party and retain no obligation associated therewith only by LAWRENCE D. MITCHELL‘S delivery, at the
hereinabove designated mailing location for Secured Party no later than 12:01 A.M. of the of the fifth (5th) day following
LAWRENCE D. MITCHELL‘S receipt of this Notice by Written Communication, of any and all original instruments, documents,
and records in any form of recorded media whatsoever in LAWRENCE D. MITCHELL’S possession/containing LAWRENCE D.
MITCHELL’S signature, as well as any and all copies of all such originals in any form of recorded media whatsoever in
LAWRENCE D. MITCHELL’S possession/containing LAWRENCE D. MITCHELL’S signature, containing any counterfeit version
of either of: (1) Secured Party’s private, common-law-copyrighted trade-name/trademark, i.e. JOHN HENRY DOE©; (2)
Secured Party’s private, autograph-common-law-copyrighted property, i.e. John Henry Doe©.
Self-Executing Security Agreement
Absent LAWRENCE D. MITCHELL‘S surrender of all original instruments, documents, and records in any form of recorded
media whatsoever, as well as all copies of any such original in any form of recorded media whatsoever, in LAWRENCE D.
MITCHELL’S possession/containing LAWRENCE D. MITCHELL’S signature, containing any version of any of Secured Party’s
common-law-copyrighted property, as set forth above under “Procedure to Opt Out of Consensual Contract,” LAWRENCE D.
MITCHELL, hereinafter ‘User’ only in this ‘Self-executing Security Agreement’-section, accepts the obligation of this
consensual contract at 12:01 A.M. of the of the fifth (5th) day following User’s receipt of this Notice by Written Communication,
this Notice by Written Communication concomitantly becomes a security agreement, hereinafter “Security Agreement,”
wherein User is Debtor and John Henry Doe© is Secured Party, and User:
(1) Grants Secured Party a security interest in all of User’s property and rights in property in the sum certain amount of
$500,000.00 per each occurrence of use of common-law-copyrighted trade-name/trade-mark JOHN HENRY DOE©, as
well as for each and every use of any and all derivatives of, and variations in the spelling of, JOHN HENRY DOE©, not
excluding “John Henry Doe,” plus all reasonable costs associated with enforcing said security rights and collecting the
indebtedness, plus triple damages, i.e. plus total damages calculated in United States Dollars and multiplied by a factor of
3 (i.e. Damages in United States Dollars X 3);
(2) Authenticates this Security Agreement wherein User is Debtor and John Henry Doe© is Secured Party, and wherein User
pledges all of User’s property, i.e. all: motor vehicles; aircraft; vessels; ships; trademarks; copyrights; patents; consumer
goods; firearms; farm products; inventory; equipment; money; investment property; commercial tort claims; letters of
credit; letter-of-credit rights; chattel paper; electronic chattel paper; tangible chattel paper; certificated securities;
uncertificated securities; promissory notes; payment intangibles; software; health-care-insurance receivables; instruments;
deposit accounts; accounts; documents; livestock; real estate and real property—including all buildings, structures,
fixtures, and appurtenances situated thereon, as well as affixed thereto—fixtures; manufactured homes; timber; crops;
and as-extracted collateral, i.e. all oil, gas, and other minerals, as well as any and all accounts arising from the sale of
these substances, both at wellhead and minehead; accessions, increases, and additions, replacements of, and
substitutions for, any of the property described hereinabove in this paragraph; products, produce, and proceeds of any of
the property described hereinabove in this paragraph; accounts, general intangibles, instruments, monies, payments, and
contract rights, and all other rights, arising out of sale, lease, and other disposition of any of the property described
NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM
Page 2 of 5
MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212
hereinabove in this paragraph; proceeds, including insurance, bond, general intangibles, and accounts proceeds, from the
sale, destruction, loss, and other disposition of any of the property described hereinabove in this paragraph; records and
data involving any of the property described hereinabove in this paragraph, such as in the form of a writing, photograph,
microfilm, microfiche, tape, electronic media, and the like, together with all of User’s right, title, and interest in all computer
software and hardware required for utilizing, creating, maintaining, and processing any such records and data in any
electronic media, and all of User’s rights in all such foregoing property in this paragraph, now owned and hereafter
acquired, now existing and hereafter arising, and wherever located, as collateral to secure User’s contractual obligation in
favor of Secured Party for User’s unauthorized use of Secured Party’s common-law-copyrighted property;
(3) Consents and agrees with Secured Party’s filing of a UCC Financing Statement in the UCC filing office, as well as in any
county recorder’s office, wherein User is Debtor and John Henry Doe© is Secured Party;
(4) Consents and agrees that said UCC Financing Statement described above in paragraph “(3)” is a continuing financing
statement, and further consents and agrees with Secured Party’s filing of any continuation statement necessary to
maintain Secured Party’s perfected security interest in all of User’s property and rights in property pledged as collateral in
Security Agreement described above in paragraph “(2),” until User’s contractual obligation theretofore incurred has been
fully satisfied;
(5) Consents and agrees with Secured Party’s filing of any and all UCC Financing Statements, as described hereinabove in
paragraphs “(3)” and “(4),” and the filing of any Security Agreement, as described hereinabove in paragraph “(2),” in the
UCC filing office, as well as in any county recorder’s office;
(6) Consents and agrees that any and all such filings described in paragraphs “(4)” and “(5)” above are not, and may not be
considered, bogus, and that User will not claim that any such filing is bogus;
(7) Waives all defenses;
(8) Appoints Secured Party as Authorized Representative for User, effective upon User’s default re User’s contractual
obligations in favor of Secured Party as set forth below under “Payment Terms” and “Default Terms,” granting Secured
Party full authority and power to engage in any and all actions on behalf of User including, but not limited to, authentica-
tion of a record on behalf of User, as Secured Party, in Secured Party’s sole discretion, deems appropriate, and, as
regards any deposit account of any kind maintained with any bank in/under the name of User, and likewise any deposit
account maintained with any bank in/under the Social Security Account Number of User, notwithstanding the absence of
User’s name as account-holder on any such deposit account maintained with any bank in/under the Social Security
Account Number of User, grants Secured Party full authority and power to originate instructions for said deposit-account
bank and direct the disposition of funds in said deposit account by acting as signatory on said deposit account without
further consent of User and without liability, and User further consents and agrees that this appointment of Secured Party
as Authorized Representative for User, effective upon User’s default, is irrevocable and coupled with a security interest;
(9) Consents and agrees with all of the following additional terms of this Self-executing Security Agreement:
(a) Payment Terms: In accordance with fees for unauthorized use of JOHN HENRY DOE© as set forth above, User
hereby consents and agrees that User shall pay Secured Party all unauthorized-use fees in full within ten (10) days of
date Secured Party’s invoice, hereinafter “Invoice,” itemizing said fees, is sent User.
(b) Default Terms: In event of non-payment in full of all unauthorized-use fees by User within ten (10) days of date
Invoice is sent, User shall be deemed in default and:
(i) All of User’s property and rights in property pledged as collateral by User, as set forth in above in paragraph “(2),”
immediately becomes, i.e. is, property of Secured Party;
(ii) Secured Party is appointed User’s Authorized Representative as set forth above in paragraph “(8)”; and
(iii) User consents and agrees that Secured Party may take possession of, as well as otherwise dispose of in any
manner that Secured Party, in Secured Party’s sole discretion, deems appropriate, including, but not limited to,
sale at auction, at any time following User’s default, and without further notice, any and all of User’s former
property and rights in property formerly pledged as collateral by User, as described above in paragraph “(2),”
now property of Secured Party, in respect of this “Self-executing Security Agreement,” that Secured Party, again
in Secured Party’s sole discretion, deems appropriate.
(c) Terms for Curing Default: Upon event of default, as set forth above under “Default Terms,” User can cure User’s
default and avoid strict foreclosure re any remainder of User’s former property and rights in property that is neither in
the possession of Secured Party, nor otherwise disposed of by Secured Party, only within twenty (20) days of User’s
default and only by payment in full of the balance of the sum certain amount owed by User, as noticed User in

NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM

Page 3 of 5
MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212
Invoice, that is not already paid by Secured Party’s possession, sale, liquidation, and the like of User’s former
property and rights in property pledged as collateral to secure User’s obligation.
(d) Terms of Strict Foreclosure: User’s non-payment in full of all unauthorized-use fees itemized in Invoice within said
twenty- (20) day period for curing default as set forth above under “Terms for Curing Default” authorizes Secured
Party’s immediate non-judicial strict foreclosure on any and all remaining property and rights in property formerly
pledged as collateral by User, now property of Secured Party, which is not in the possession of, nor otherwise
disposed of by, Secured Party upon expiration of said twenty- (20) day default-curing period.
Ownership subject to common-law copyright and UCC Financing Statement and security agreement filed with the UCC filing
office. Record Owner: John Henry Doe©, Autograph Common Law Copyright ©1973 by John Henry Doe©.
Words Defined – Glossary of Terms
As used in this Notice by Written Communication, the following words and terms are as defined in this section, non obstante:
All. In this Notice by Written Communication the word “all” means everything one has: the whole number; totality, including
both all and sundry; everyone; without restriction.
Appellation. In this Notice by Written Communication the term “appellation” means: A general term that introduces and
specifies a particular term which may be used to address, greet, call out for, and make appeals of a particular living, breathing,
flesh-and-blood man.
Authorized Representative. In this Notice by Written Communication the term “Authorized Representative” means the
Secured Party, John Henry Doe©, authorized by Debtor, upon Debtor’s default, to sign Debtor’s signature, without liability and
without recourse.
Collateral. In this Notice by Written Communication the term “Collateral” means any and all property of Debtor identified
above in paragraph “(2).”
Debtor. In this Notice by Written Communication the term “Debtor” means LAWRENCE D. MITCHELL, effective upon
execution of Security Agreement as set forth above under “Self-executing Security Agreement.”
Default. In this Notice by Written Communication the term “default” means Debtor’s non-performance of a duty arising under
this Notice by Written Communication as set forth above under paragraph “(9)(b),” “Default Terms.”
Derivative. In this Notice by Written Communication the word “derivative” means coming from another; taken from something
preceding; secondary; that which has not the origin in itself, but obtains existence from something foregoing and of a more
primal and fundamental nature; anything derived from another.
Ens legis. In this Notice by Written Communication the term “ens legis” means a creature of the law; an artificial entity, as
contrasted with a living, breathing, flesh-and-blood man, such as a corporation, considered as deriving its existence entirely
from the law.
Hold-harmless and Indemnity Agreement. In this Notice by Written Communication the term “Hold-harmless and Indemnity
Agreement” means the written, express, Hold-harmless and Indemnity Agreement No. JHD-030473-HHIA dated the Fourth
Day of the Third Month in the Year of Our Lord One Thousand Nine Hundred Seventy-three, between John Henry Doe© and
JOHN HENRY DOE©, together with all modifications of and substitutions for said Hold-harmless and Indemnity Agreement.
JOHN H. DOE. In this Notice by Written Communication the term “JOHN H. DOE” means JOHN H. DOE©, a derivative of
JOHN HENRY DOE©, Common LawCopyright ©1973 by John Henry Doe©. All Rights Reserved.
JOHN HENRY DOE. In this Notice by Written Communication the term “JOHN HENRY DOE” means JOHN HENRY DOE©,
and any and all derivatives and variations in the spelling of said name except “John Henry Doe,” Common Law Copyright © 1973
by John Henry Doe©. All Rights Reserved.
John Henry Doe. In this Notice by Written Communication the term “John Henry Doe” means the sentient, living being known
by the distinctive appellation “John Henry Doe.” All rights reserved re use of John Henry Doe©, Autograph Common Law
Copyright ©1973 by John Henry Doe©.
Juristic person. In this Notice by Written Communication the term “juristic person” means an abstract, legal entity ens legis,
such as a corporation, created by construct of law and considered as possessing certain legal rights and duties of a human
being; an imaginary entity, such as LAWRENCE D. MITCHELL, which, on the basis of legal reasoning, is treated as a human
being for the purpose of conducting commercial activity for the benefit of a sentient, living being, such as John Henry Doe©.

NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM

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MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212

“From the earliest times the law has enforced rights and exacted liabilities by utilizing a corporate concept – by
recognizing, that is, juristic persons other than human beings. The theories by which this mode of legal operation
has developed, has been justified, qualified, and defined are the subject matter of a very sizable library. The historic
roots of a particular society, economic pressures, philosophic notions, all have had their share in the law’s response
to the ways of men in carrying on their affairs through what is now the familiar device of the corporation. ------
Attribution of legal rights and duties to a juristic person other than man is necessarily a metaphorical process. And
none the worse for it. No doubt, ‘Metaphors in law are to be narrowly watched.’” Cardozo, J., in Berkey v. Third
Avenue R. Co., 244 N.Y. 84, 94. “But all instruments of thought should be narrowly watched lest they be abused
and fail in their service to reason.” See U.S. v. SCOPHONY CORP. OF AMERICA, 333 U.S. 795; 68 S.Ct. 855;
1948 U.S.”
LAWRENCE D. MITCHELL. In this Notice by Written Communication the term ”LAWRENCE D. MITCHELL” means
LAWRENCE D. MITCHELL, a juristic person.
Living, breathing, flesh-and-blood man. In this Notice by Written Communication the term “living, breathing, flesh-and-
blood man” means the Secured Party, John Henry Doe©, a sentient, living being, as distinguished from an artificial legal
construct, ens legis, i.e. a juristic person, created by construct of law.
“There, every man is independent of all laws, except those prescribed by nature. He is not bound by any institutions
formed by his fellowmen without his consent.” CRUDEN v. NEALE, 2 N.C. 338 (1796) 2 S.E. 70.
Non obstante. In this Notice by Written Communication the term “non obstante” means: Words anciently used in public and
private instruments with the intent of precluding, in advance, any interpretation other than certain declared objects, purposes.
Secured Party. In this Notice by Written Communication the term “Secured Party” means John Henry Doe©, a living, sentient
being as distinguished from a juristic person created by construct of law.
Security Agreement. In this Notice by Written Communication the term “Security Agreement” means the self-executing Security
Agreement as described above under “Self-executing Security Agreement,” together with any and all attachments, exhibits,
documents, endorsements, and schedules attached thereto.
Sentient, living being. In this Notice by Written Communication the term “sentient, living being” means the Secured Party, i.e.
John Henry Doe©, a living, breathing, flesh-and-blood man, as distinguished from an abstract legal construct, such as an
artificial entity, juristic person, corporation, partnership, association, and the like.
Additional Provisions
Any unenforceable provision of this Notice by Written Communication is severed from this Notice by Written Communication,
but every remaining provision continues in full force and effect and this Notice by Written Communication is deemed modified
in a manner that renders this Notice by Written Communication effective and in full force and effect. In all cases Secured
Party continues without liability and is held harmless.
Any prior communication, written document, and the like by and between Respondent and Secured Party containing any
mistake of Secured Party is invalidated thereby and of no force and effect, and may not be relied upon by Respondent against
Secured Party in this matter.
LAWRENCE D. MITCHELL consents and agrees that this Notice by Written Communication is a private, consensual contract
and may not be impaired by any third party.
LAWRENCE D. MITCHELL consents and agrees in full with all terms, conditions, and provisions as stated above.
With the intent of entering this consensual contract both LAWRENCE D. MITCHELL as Debtor and John Henry Doe© as
Secured Party do herewith execute this Security Agreement.
Debtor: LAWRENCE D. MITCHELL
LAWRENCE D. MITCHELL
Debtor’s Signature
Secured Party accepts Debtor’s signature in accord with UCC §§ 1-201(39), 3-401.

Secured Party: John Henry Doe©

NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM

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MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212
_______________________________________________
Secured Party’s Signature
Autograph Common Law Copyright © 1973 by John Henry Doe©, EID # 1234-56789. All Rights Reserved. No part of this common-law
copyright may be reproduced in any manner without the prior, express written permission of John Henry Doe© as signified by the hand-
signed, red-ink signature of John Henry Doe ©. Unauthorized use of “John Henry Doe” incurs same unauthorized-use fees as those
associated with JOHN HENRY DOE©, as set forth above in Notice by Written Communication/Security Agreement.
This Notice by Written Communication/Security Agreement is non-negotiable, is sent LAWRENCE D. MITCHELL by United States Postal
Service Registered Mail, and constitutes notice of John Henry Doe©’s perfected security interest in all property of JOHN HENRY DOE ©,
secured collateral of John Henry Doe ©.
Enclosures: Copy of written communication from LAWRENCE D. MITCHELL dated March 11, 2002; published Copyright Notice; filed UCC
Financing Statement; Private Agreement; Hold-harmless and Indemnity Agreement; Security Agreement

NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM

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MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212

Non-Negotiable U.S.P.S. Registered Mail Article No. RR111222333US

March 14, 2002 John Henry Doe©
Post Office Box 9999
Los Angeles, CA 90010

LAWRENCE D. MITCHELL
MITCHELL & GREENE, L.L.P.
9500 Wilshire Boulevard
Beverly Hills, CA 90212
NOTICE BY WRITTEN COMMUNICATION / SECURITY AGREEMENT
This Notice by Written Communication/Security Agreement, hereinafter “Notice by Written Communication,” is sent for the
purpose of clearing up a misunderstanding on the part of John Henry Doe©, hereinafter “Secured Party.” Considering the
seriousness of this matter Secured Party has determined that it is vital that all communication by and between Secured Party
and LAWRENCE D. MITCHELL be in written form so that a proper record is maintained for Secured Party’s remedy should
such need ever arise. In event LAWRENCE D. MITCHELL determines that legal advice is necessary, LAWRENCE D.
MITCHELL may hire a professional qualified to provide such advice. LAWRENCE D. MITCHELL may correspond with
Secured Party only by designating addressee on any envelope, package, and the like, intended for Secured Party as “Secured
Party.” LAWRENCE D. MITCHELL‘S use of any other addressee designation on any correspondence intended for Secured
Party is not authorized and accelerates LAWRENCE D. MITCHELL‘S acceptance of the obligation of the herein-below-
described consensual contract effective the date any such unauthorized correspondence is sent Secured Party by
LAWRENCE D. MITCHELL and in accordance with other terms set forth herein below under “Acceleration of Acceptance of
Obligation of Consensual Contract.”
It is Secured Party’s understanding that LAWRENCE D. MITCHELL does not hold a perfected security interest in any property
of JOHN HENRY DOE©, also known by any and all derivatives and variations in the spelling of said name used with the intent
of referencing JOHN HENRY DOE©, e.g. JOHN H. DOE©, and likewise in any secured collateral of Secured Party. In event
LAWRENCE D. MITCHELL claims a perfected security interest in any property of JOHN HENRY DOE©, i.e. in any secured
collateral of Secured Party, LAWRENCE D. MITCHELL must provide Secured Party with proof of superiority of any such
perfected security interest of LAWRENCE D. MITCHELL‘S over that of Secured Party’s within seventy-two (72) hours of
midnight the day following LAWRENCE D. MITCHELL‘S receipt of this Notice by Written Communication.
Secured Party is not now, nor has Secured Party ever been a surety, nor an accommodation party, for JOHN HENRY DOE©,
nor for any derivative of, nor for any variation in the spelling of, JOHN HENRY DOE©, nor for any other juristic person, and is so
indemnified and held harmless by JOHN HENRY DOE© in Hold-harmless and Indemnity Agreement No. JHD-030473-HHIA
dated the Fourth Day of the Third Month in the Year of Our Lord One Thousand Nine Hundred Seventy-three against any and
all claims, legal actions, orders, warrants, judgments, demands, liabilities, losses, depositions, summonses, lawsuits, costs,
fines, liens, levies, penalties, damages, interests, and expenses whatsoever, both absolute and contingent, as are due and as
might become due, now existing and as might hereafter arise, and as might be suffered by, imposed on, and incurred by JOHN
HENRY DOE© for any and every reason, purpose, and cause whatsoever.
Unauthorized Use Strictly Prohibited
All rights reserved re common-law copyright of trade-name/trade-mark JOHN HENRY DOE©—as well as any and all
derivatives and variations in the spelling of said trade-name/trade-mark, not excluding “John Henry Doe”—Common Law
Copyright © 1973 by John Henry Doe©. Said trade-name/trade-mark, JOHN HENRY DOE©, may neither be displayed, nor
used, nor reproduced in whole, nor in part, nor in any manner whatsoever, without the prior, express, written consent and
acknowledgment of Secured Party, subscribed with Secured Party’s hand-signed signature in red ink.
This Notice by Written Communication provides LAWRENCE D. MITCHELL with notice that “JOHN H. DOE” is a common-law
trade-name/trade-mark and common-law copyright of John Henry Doe©, i.e. Secured Party, that any unauthorized use of
JOHN H. DOE© by LAWRENCE D. MITCHELL constitutes counterfeiting and common-law trade-name/trade-mark copyright
infringement, that Secured Party neither grants, nor implies, nor otherwise gives consent for any unauthorized use of JOHN H.
DOE ©, and that any and all such unauthorized use is strictly prohibited.

NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM

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MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212
Acceleration of Acceptance of Obligation of Consensual Contract
With the intent of being contractually bound, any juristic person, including, but not limited to, LAWRENCE D. MITCHELL and
MITCHELL & GREENE, L.L.P., consents and agrees by this Notice by Written Communication that said juristic person shall
neither display, nor reproduce, nor otherwise use in any manner, the common-law trade-name/trade-mark JOHN HENRY
DOE ©, nor the common-law copyright associated therewith, nor any derivative of, nor any variation in the spelling of, JOHN
HENRY DOE©, not excluding “John Henry Doe,” without the prior, express, written consent and acknowledgment of Secured
Party, subscribed with Secured Party’s hand-signed signature in red ink, and that any such additional instance of unauthorized
use of Secured Party’s common-law-copyrighted property by LAWRENCE D. MITCHELL following LAWRENCE D.
MITCHELL‘S receipt of this Notice by Written Communication accelerates LAWRENCE D. MITCHELL‘S acceptance of the
obligation of the herein-described consensual contract, as well as the unconditional promise of payment in full of said obligation,
effective the date of the first instance of additional unauthorized use following LAWRENCE D. MITCHELL‘S receipt of this Notice
by Written Communication, in strict accordance with terms set forth below in paragraphs “(1)” through “(9)” under “Self-executing
Security Agreement,” wherein LAWRENCE D. MITCHELL is “User.”
Procedure to Opt Out of Consensual Contract
JACK JONES‘S unauthorized use, i.e. counterfeiting, of Secured Party’s common-law trade-name/trademark and copyright
consensually contractually binds LAWRENCE D. MITCHELL with Secured Party, as of LAWRENCE D. MITCHELL‘S initial
unauthorized use of Secured Party’s private property, in respect of fair compensation due Secured Party for use of Secured
Party’s private property. LAWRENCE D. MITCHELL can opt out and withdraw from LAWRENCE D. MITCHELL‘S consensual
contract with Secured Party and retain no obligation associated therewith only by LAWRENCE D. MITCHELL‘S delivery, at the
hereinabove designated mailing location for Secured Party no later than 12:00 Midnight of the seventh (7th) day following
LAWRENCE D. MITCHELL‘S receipt of this Notice by Written Communication, of any and all original instruments, documents,
and records in any form of recorded media whatsoever in LAWRENCE D. MITCHELL’S possession/containing LAWRENCE D.
MITCHELL’S signature, as well as any and all copies of all such originals in any form of recorded media whatsoever in
LAWRENCE D. MITCHELL’S possession/containing LAWRENCE D. MITCHELL’S signature, containing any counterfeit version
of either of: (1) Secured Party’s private, common-law-copyrighted trade-name/trademark, i.e. JOHN HENRY DOE©; (2)
Secured Party’s private, autograph-common-law-copyrighted property, i.e. John Henry Doe©.
Self-Executing Security Agreement
Absent LAWRENCE D. MITCHELL‘S surrender of all original instruments, documents, and records in any form of recorded
media whatsoever, as well as all copies of any such original in any form of recorded media whatsoever, in LAWRENCE D.
MITCHELL’S possession/containing LAWRENCE D. MITCHELL’S signature, containing any version of any of Secured Party’s
common-law-copyrighted property, as set forth above under “Procedure to Opt Out of Consensual Contract,” LAWRENCE D.
MITCHELL, hereinafter ‘User’ only in this ‘Self-executing Security Agreement’-section, accepts the obligation of this
consensual contract at 12:01 A.M. of the eighth (8th) day following User’s receipt of this Notice by Written Communication, this
Notice by Written Communication concomitantly becomes a security agreement, hereinafter “Security Agreement,” wherein
User is Debtor and John Henry Doe© is Secured Party, and User:
(1) Grants Secured Party a security interest in all of User’s property and rights in property in the sum certain amount of
$500,000.00 per each occurrence of use of common-law-copyrighted trade-name/trade-mark JOHN HENRY DOE©, as
well as for each and every use of any and all derivatives of, and variations in the spelling of, JOHN HENRY DOE©, not
excluding “John Henry Doe,” plus all reasonable costs associated with enforcing said security rights and collecting the
indebtedness, plus triple damages, i.e. plus total damages calculated in United States Dollars and multiplied by a factor of
3 (i.e. Damages in United States Dollars X 3);
(2) Authenticates this Security Agreement wherein User is Debtor and John Henry Doe© is Secured Party, and wherein User
pledges all of User’s property, i.e. all: motor vehicles; aircraft; vessels; ships; trademarks; copyrights; patents; consumer
goods; firearms; farm products; inventory; equipment; money; investment property; commercial tort claims; letters of
credit; letter-of-credit rights; chattel paper; electronic chattel paper; tangible chattel paper; certificated securities;
uncertificated securities; promissory notes; payment intangibles; software; health-care-insurance receivables; instruments;
deposit accounts; accounts; documents; livestock; real estate and real property—including all buildings, structures,
fixtures, and appurtenances situated thereon, as well as affixed thereto—fixtures; manufactured homes; timber; crops;
and as-extracted collateral, i.e. all oil, gas, and other minerals, as well as any and all accounts arising from the sale of
these substances, both at wellhead and minehead; accessions, increases, and additions, replacements of, and
substitutions for, any of the property described hereinabove in this paragraph; products, produce, and proceeds of any of
the property described hereinabove in this paragraph; accounts, general intangibles, instruments, monies, payments, and
contract rights, and all other rights, arising out of sale, lease, and other disposition of any of the property described
NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM
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MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212
hereinabove in this paragraph; proceeds, including insurance, bond, general intangibles, and accounts proceeds, from the
sale, destruction, loss, and other disposition of any of the property described hereinabove in this paragraph; records and
data involving any of the property described hereinabove in this paragraph, such as in the form of a writing, photograph,
microfilm, microfiche, tape, electronic media, and the like, together with all of User’s right, title, and interest in all computer
software and hardware required for utilizing, creating, maintaining, and processing any such records and data in any
electronic media, and all of User’s rights in all such foregoing property in this paragraph, now owned and hereafter
acquired, now existing and hereafter arising, and wherever located, as collateral to secure User’s contractual obligation in
favor of Secured Party for User’s unauthorized use of Secured Party’s common-law-copyrighted property;
(3) Consents and agrees with Secured Party’s filing of a UCC Financing Statement in the UCC filing office, as well as in any
county recorder’s office, wherein User is Debtor and John Henry Doe© is Secured Party;
(4) Consents and agrees that said UCC Financing Statement described above in paragraph “(3)” is a continuing financing
statement, and further consents and agrees with Secured Party’s filing of any continuation statement necessary to
maintain Secured Party’s perfected security interest in all of User’s property and rights in property pledged as collateral in
Security Agreement described above in paragraph “(2),” until User’s contractual obligation theretofore incurred has been
fully satisfied;
(5) Consents and agrees with Secured Party’s filing of any and all UCC Financing Statements, as described hereinabove in
paragraphs “(3)” and “(4),” and the filing of any Security Agreement, as described hereinabove in paragraph “(2),” in the
UCC filing office, as well as in any county recorder’s office;
(6) Consents and agrees that any and all such filings described in paragraphs “(4)” and “(5)” above are not, and may not be
considered, bogus, and that User will not claim that any such filing is bogus;
(7) Waives all defenses;
(8) Waives rights of presentment, notice of dishonor, and notice of protest;
(9) Appoints Secured Party as Authorized Representative for User, effective upon User’s default re User’s contractual
obligations in favor of Secured Party as set forth below under “Payment Terms” and “Default Terms,” granting Secured
Party full authority and power to engage in any and all actions on behalf of User including, but not limited to,
authentication of a record on behalf of User, as Secured Party, in Secured Party’s sole discretion, deems appropriate,
and, as regards any deposit account of any kind maintained with any bank in/under the name of User, and likewise any
deposit account maintained with any bank in/under the Taxpayer Identification Number of User, notwithstanding the
absence of User’s name as account-holder on any such deposit account maintained with any bank in/under the Taxpayer
Identification Number of User, grants Secured Party full authority and power to originate instructions for said deposit-
account bank and direct the disposition of funds in said deposit account by acting as signatory on said deposit account
without further consent of User and without liability, and User further consents and agrees that this appointment of
Secured Party as Authorized Representative for User, effective upon User’s default, is irrevocable and coupled with a
security interest;
(10) Consents and agrees with all of the following additional terms of this Self-executing Security Agreement:
(a) Payment Terms: In accordance with fees for unauthorized use of JOHN HENRY DOE© as set forth above, User
hereby consents and agrees that User shall pay Secured Party all unauthorized-use fees in full within ten (10) days of
date Secured Party’s invoice, hereinafter “Invoice,” itemizing said fees, is sent User.
(b) Default Terms: In event of non-payment in full of all unauthorized-use fees by User within ten (10) days of date
Invoice is sent, User shall be deemed in default and:
(i) All of User’s property and rights in property pledged as collateral by User, as set forth in above in paragraph “(2),”
immediately becomes, i.e. is, property of Secured Party;
(ii) Secured Party is appointed User’s Authorized Representative as set forth above in paragraph “(9)”; and
(iii) User consents and agrees that Secured Party may take possession of, as well as otherwise dispose of in any
manner that Secured Party, in Secured Party’s sole discretion, deems appropriate, including, but not limited to,
sale at auction, at any time following User’s default, and without further notice, any and all of User’s former
property and rights in property formerly pledged as collateral by User, as described above in paragraph “(2),”
now property of Secured Party, in respect of this “Self-executing Security Agreement,” that Secured Party, again
in Secured Party’s sole discretion, deems appropriate.
(c) Terms for Curing Default: Upon event of default, as set forth above under “Default Terms,” User can cure User’s
default and avoid strict foreclosure re any remainder of User’s former property and rights in property that is neither in
the possession of Secured Party, nor otherwise disposed of by Secured Party, only within twenty (20) days of User’s
NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM
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MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212
default and only by payment in full of the balance of the sum certain amount owed by User, as noticed User in
Invoice, that is not already paid by Secured Party’s possession, sale, liquidation, and the like of User’s former
property and rights in property pledged as collateral to secure User’s obligation.
(d) Terms of Strict Foreclosure: User’s non-payment in full of all unauthorized-use fees itemized in Invoice within said
twenty- (20) day period for curing default as set forth above under “Terms for Curing Default” authorizes Secured
Party’s immediate non-judicial strict foreclosure on any and all remaining property and rights in property formerly
pledged as collateral by User, now property of Secured Party, which is not in the possession of, nor otherwise
disposed of by, Secured Party upon expiration of said twenty- (20) day default-curing period.
Ownership subject to copyright of common-law trade-name/trade-mark and security agreement and UCC Financing Statement
filed with the UCC filing office. Record Owner: John Henry Doe©, Autograph Common Law Copyright © 1973 by John Henry
Doe©.
Words Defined – Glossary of Terms
As used in this Notice by Written Communication, the following words and terms are as defined in this section, non obstante:
All. In this Notice by Written Communication the word “all” means everything one has: the whole number; totality, including
both all and sundry; everyone; without restriction.
Appellation. In this Notice by Written Communication the term “appellation” means: A general term that introduces and
specifies a particular term which may be used to address, greet, call out for, and make appeals of a particular living, breathing,
flesh-and-blood man.
Authorized Representative. In this Notice by Written Communication the term “Authorized Representative” means the
Secured Party, John Henry Doe©, authorized by Debtor, upon Debtor’s default, to sign Debtor’s signature, without liability and
without recourse.
Collateral. In this Notice by Written Communication the term “Collateral” means any and all property of Debtor identified
above in paragraph “(2).”
Debtor. In this Notice by Written Communication the term “Debtor” means LAWRENCE D. MITCHELL, effective upon
execution of Security Agreement as set forth above under “Self-executing Security Agreement.”
Default. In this Notice by Written Communication the term “default” means Debtor’s non-performance of a duty arising under
this Notice by Written Communication as set forth above under paragraph “(9)(b),” “Default Terms.”
Derivative. In this Notice by Written Communication the word “derivative” means coming from another; taken from something
preceding; secondary; that which has not the origin in itself, but obtains existence from something foregoing and of a more
primal and fundamental nature; anything derived from another.
Ens legis. In this Notice by Written Communication the term “ens legis” means a creature of the law; an artificial entity, as
contrasted with a living, breathing, flesh-and-blood man, such as a corporation, considered as deriving its existence entirely
from the law.
Hold-harmless and Indemnity Agreement. In this Notice by Written Communication the term “Hold-harmless and Indemnity
Agreement” means the written, express, Hold-harmless and Indemnity Agreement No. JHD-030473-HHIA dated the Fourth
Day of the Third Month in the Year of Our Lord One Thousand Nine Hundred Seventy-three, between John Henry Doe© and
JOHN HENRY DOE©, together with all modifications of and substitutions for said Hold-harmless and Indemnity Agreement.
JOHN H. DOE. In this Notice by Written Communication the term “JOHN H. DOE” means JOHN H. DOE©, a derivative of
JOHN HENRY DOE©, Common LawCopyright ©1973 by John Henry Doe©. All Rights Reserved.
JOHN HENRY DOE. In this Notice by Written Communication the term “JOHN HENRY DOE” means JOHN HENRY DOE©,
and any and all derivatives and variations in the spelling of said name except “John Henry Doe,” Common Law Copyright © 1973
by John Henry Doe©. All Rights Reserved.
John Henry Doe. In this Notice by Written Communication the term “John Henry Doe” means the sentient, living being known
by the distinctive appellation, “John Henry Doe.” All rights reserved re use of John Henry Doe©, Autograph Common Law
Copyright ©1973 by John Henry Doe©.
Juristic person. In this Notice by Written Communication the term “juristic person” means an abstract, legal entity ens legis,
such as a corporation, created by construct of law and considered as possessing certain legal rights and duties of a human

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MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212
being; an imaginary entity, such as LAWRENCE D. MITCHELL, which, on the basis of legal reasoning, is treated as a human
being for the purpose of conducting commercial activity for the benefit of a sentient, living being, such as John Henry Doe©.
“From the earliest times the law has enforced rights and exacted liabilities by utilizing a corporate
concept – by recognizing, that is, juristic persons other than human beings. The theories by which
this mode of legal operation has developed, has been justified, qualified, and defined are the subject
matter of a very sizable library. The historic roots of a particular society, economic pressures,
philosophic notions, all have had their share in the law’s response to the ways of men in carrying on
their affairs through what is now the familiar device of the corporation. ------ Attribution of legal rights
and duties to a juristic person other than man is necessarily a metaphorical process. And none the
worse for it. No doubt, ‘Metaphors in law are to be narrowly watched.’” Cardozo, J., in Berkey v.
Third Avenue R. Co., 244 N.Y. 84, 94. “But all instruments of thought should be narrowly watched
lest they be abused and fail in their service to reason.” See U.S. v. SCOPHONY CORP. OF
AMERICA, 333 U.S. 795; 68 S.Ct. 855; 1948 U.S.”
LAWRENCE D. MITCHELL. In this Notice by Written Communication the term ”LAWRENCE D. MITCHELL” means
LAWRENCE D. MITCHELL, a juristic person.
Living, breathing, flesh-and-blood man. In this Notice by Written Communication the term “living, breathing, flesh-and-
blood man” means the Secured Party, John Henry Doe©, a sentient, living being, as distinguished from an artificial legal
construct, ens legis, i.e. a juristic person, created by construct of law.
“There, every man is independent of all laws, except those prescribed by nature. He is not bound by
any institutions formed by his fellowmen without his consent.” CRUDEN v. NEALE, 2 N.C. 338
(1796) 2 S.E. 70.
Non obstante. In this Notice by Written Communication the term “non obstante” means: Words anciently used in public and
private instruments with the intent of precluding, in advance, any interpretation other than certain declared objects, purposes.
Secured Party. In this Notice by Written Communication the term “Secured Party” means John Henry Doe©, a living, sentient
being as distinguished from a juristic person created by construct of law.
Security Agreement. In this Notice by Written Communication the term “Security Agreement” means the self-executing Security
Agreement as described above under “Self-executing Security Agreement,” together with any and all attachments, exhibits,
documents, endorsements, and schedules attached thereto.
Sentient, living being. In this Notice by Written Communication the term “sentient, living being” means the Secured Party, i.e.
John Henry Doe©, a living, breathing, flesh-and-blood man, as distinguished from an abstract legal construct, such as an
artificial entity, juristic person, corporation, partnership, association, and the like.
Additional Provisions
Any unenforceable provision of this Notice by Written Communication is severed from this Notice by Written Communication,
but every remaining provision continues in full force and effect and this Notice by Written Communication is deemed modified
in a manner that renders this Notice by Written Communication effective and in full force and effect. In all cases Secured
Party continues without liability and is held harmless.
Any prior communication, written document, and the like by and between Respondent and Secured Party containing any
mistake of Secured Party is invalidated thereby and of no force and effect, and may not be relied upon by Respondent against
Secured Party in this matter.
LAWRENCE D. MITCHELL consents and agrees that this Notice by Written Communication is a private, consensual contract
and may not be impaired by any third party.
LAWRENCE D. MITCHELL consents and agrees in full with all terms, conditions, and provisions as stated above.
With the intent of entering this consensual contract both LAWRENCE D. MITCHELL as Debtor and John Henry Doe© as
Secured Party do herewith execute this Security Agreement.
Debtor: LAWRENCE D. MITCHELL

LAWRENCE D. MITCHELL
Debtor’s Signature
Secured Party accepts Debtor’s signature in accord with UCC §§ 1-201(39), 3-401.
NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM
Page 5 of 6
MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212
Secured Party: John Henry Doe©

_______________________________________________
Secured Party’s Signature
Autograph Common Law Copyright © 1973 by John Henry Doe©, EID # 1234-56789. All Rights Reserved. No part of this common-law
copyright may be reproduced in any manner without the prior, express written permission of John Henry Doe© as signified by the hand-
signed, red-ink signature of John Henry Doe ©. Unauthorized use of “John Henry Doe” incurs same unauthorized-use fees as those
associated with JOHN HENRY DOE©, as set forth above in Notice by Written Communication/Security Agreement.
This Notice by Written Communication/Security Agreement is non-negotiable, is sent LAWRENCE D. MITCHELL by United States Postal
Service Registered Mail, and constitutes notice of John Henry Doe©’s perfected security interest in all property of JOHN HENRY DOE ©,
secured collateral of John Henry Doe ©.
Enclosures: Copy of written communication from LAWRENCE D. MITCHELL dated March 11, 2002; published Copyright Notice; filed UCC
Financing Statement; Private Agreement; Hold-harmless and Indemnity Agreement; Security Agreement

NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM

Page 6 of 6
MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212

Non-Negotiable U.S.P.S. Registered Mail Article No. RR111222333US

March 14, 2002 John Henry Doe©
Post Office Box 9999
Los Angeles, CA 90010

LAWRENCE D. MITCHELL
MITCHELL & GREENE, L.L.P.
9500 Wilshire Boulevard
Beverly Hills, CA 90212
NOTICE BY WRITTEN COMMUNICATION / SECURITY AGREEMENT
This Notice by Written Communication/Security Agreement, hereinafter “Notice by Written Communication,” is sent for the
purpose of clearing up a misunderstanding on the part of John Henry Doe©, hereinafter “Secured Party.” Considering the
seriousness of this matter Secured Party has determined that it is vital that all communication by and between Secured Party
and LAWRENCE D. MITCHELL be in written form so that a proper record is maintained for Secured Party’s remedy should
such need ever arise. In event LAWRENCE D. MITCHELL determines that legal advice is necessary, LAWRENCE D.
MITCHELL may hire a professional qualified to provide such advice. LAWRENCE D. MITCHELL may correspond with
Secured Party only by designating addressee on any envelope, package, and the like, intended for Secured Party as “Secured
Party.” LAWRENCE D. MITCHELL‘S use of any other addressee designation on any correspondence intended for Secured
Party is not authorized and accelerates LAWRENCE D. MITCHELL‘S acceptance of the obligation of the herein-below-
described consensual contract effective the date any such unauthorized correspondence is sent Secured Party by
LAWRENCE D. MITCHELL and in accordance with other terms set forth herein below under “Acceleration of Acceptance of
Obligation of Consensual Contract.”
It is Secured Party’s understanding that LAWRENCE D. MITCHELL does not hold a perfected security interest in any property
of JOHN HENRY DOE©, also known by any and all derivatives and variations in the spelling of said name used with the intent
of referencing JOHN HENRY DOE©, e.g. JOHN H. DOE©, and likewise in any secured collateral of Secured Party. In event
LAWRENCE D. MITCHELL claims a perfected security interest in any property of JOHN HENRY DOE©, i.e. in any secured
collateral of Secured Party, LAWRENCE D. MITCHELL must provide Secured Party with proof of superiority of any such
perfected security interest of LAWRENCE D. MITCHELL‘S over that of Secured Party’s within seventy-two (72) hours of
midnight the day following LAWRENCE D. MITCHELL‘S receipt of this Notice by Written Communication.
Secured Party is not now, nor has Secured Party ever been a surety, nor an accommodation party, for JOHN HENRY DOE©,
nor for any derivative of, nor for any variation in the spelling of, JOHN HENRY DOE©, nor for any other juristic person, and is so
indemnified and held harmless by JOHN HENRY DOE© in Hold-harmless and Indemnity Agreement No. JHD-030473-HHIA
dated the Fourth Day of the Third Month in the Year of Our Lord One Thousand Nine Hundred Seventy-three against any and
all claims, legal actions, orders, warrants, judgments, demands, liabilities, losses, depositions, summonses, lawsuits, costs,
fines, liens, levies, penalties, damages, interests, and expenses whatsoever, both absolute and contingent, as are due and as
might become due, now existing and as might hereafter arise, and as might be suffered by, imposed on, and incurred by JOHN
HENRY DOE© for any and every reason, purpose, and cause whatsoever.
Unauthorized Use Strictly Prohibited
All rights reserved re common-law copyright of trade-name/trade-mark JOHN HENRY DOE©—as well as any and all
derivatives and variations in the spelling of said trade-name/trade-mark, not excluding “John Henry Doe”—Common Law
Copyright © 1973 by John Henry Doe©. Said trade-name/trade-mark, JOHN HENRY DOE©, may neither be displayed, nor
used, nor reproduced in whole, nor in part, nor in any manner whatsoever, without the prior, express, written consent and
acknowledgment of Secured Party, subscribed with Secured Party’s hand-signed signature in red ink.
This Notice by Written Communication provides LAWRENCE D. MITCHELL with notice that “JOHN H. DOE” is a common-law
trade-name/trade-mark and common-law copyright of John Henry Doe©, i.e. Secured Party, that any unauthorized use of
JOHN H. DOE© by LAWRENCE D. MITCHELL constitutes counterfeiting and common-law trade-name/trade-mark copyright
infringement, that Secured Party neither grants, nor implies, nor otherwise gives consent for any unauthorized use of JOHN H.
DOE ©, and that any and all such unauthorized use is strictly prohibited.

NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM

Page 1 of 5
MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212
Acceleration of Acceptance of Obligation of Consensual Contract
With the intent of being contractually bound, any juristic person, including, but not limited to, LAWRENCE D. MITCHELL and
MITCHELL & GREENE, L.L.P., consents and agrees by this Notice by Written Communication that said juristic person shall
neither display, nor reproduce, nor otherwise use in any manner, the common-law trade-name/trade-mark JOHN HENRY
DOE ©, nor the common-law copyright associated therewith, nor any derivative of, nor any variation in the spelling of, JOHN
HENRY DOE©, not excluding “John Henry Doe,” without the prior, express, written consent and acknowledgment of Secured
Party, subscribed with Secured Party’s hand-signed signature in red ink, and that any such additional instance of unauthorized
use of Secured Party’s common-law-copyrighted property by LAWRENCE D. MITCHELL following LAWRENCE D.
MITCHELL‘S receipt of this Notice by Written Communication accelerates LAWRENCE D. MITCHELL‘S acceptance of the
obligation of the herein-described consensual contract, as well as the unconditional promise of payment in full of said obligation,
effective the date of the first instance of additional unauthorized use following LAWRENCE D. MITCHELL‘S receipt of this Notice
by Written Communication, in strict accordance with terms set forth below in paragraphs “(1)” through “(9)” under “Self-executing
Security Agreement,” wherein LAWRENCE D. MITCHELL is “User.”
Procedure to Opt Out of Consensual Contract
LAWRENCE D. MITCHELL‘S unauthorized use, i.e. counterfeiting, of Secured Party’s common-law trade-name/trade-mark and
copyright, consensually contractually binds LAWRENCE D. MITCHELL with Secured Party, as of LAWRENCE D. MITCHELL‘S
initial unauthorized use of Secured Party’s common-law trade-name/trade-mark and copyright, in respect of fair compensation due
Secured Party for use of Secured Party’s private property. LAWRENCE D. MITCHELL can opt out and withdraw from LAWRENCE
D. MITCHELL‘S consensual contract with Secured Party and retain no obligation associated therewith only by immediate cessation
of any and all further unauthorized use of Secured Party’s common-law-copyrighted property.
Self-Executing Security Agreement
By the act of any single instance of unauthorized use of Secured Party’s common-law-copyrighted property by LAWRENCE D.
MITCHELL following LAWRENCE D. MITCHELL‘S receipt of this Notice by Written Communication, LAWRENCE D. MITCHELL,
hereinafter “User” only in this “Self-executing Security Agreement” section, accepts the obligation of this consensual contract,
this Notice by Written Communication concomitantly becomes a security agreement, hereinafter “Security Agreement,”
wherein User is Debtor and John Henry Doe© is Secured Party, and User:
(1) Grants Secured Party a security interest in all of User’s property and rights in property in the sum certain amount of
$500,000.00 per each occurrence of use of common-law-copyrighted trade-name/trade-mark JOHN HENRY DOE©, as
well as for each and every use of any and all derivatives of, and variations in the spelling of, JOHN HENRY DOE©, not
excluding “John Henry Doe,” plus all reasonable costs associated with enforcing said security rights and collecting the
indebtedness, plus triple damages, i.e. plus total damages calculated in United States Dollars and multiplied by a factor of
3 (i.e. Damages in United States Dollars X 3);
(2) Authenticates this Security Agreement wherein User is Debtor and John Henry Doe© is Secured Party, and wherein User
pledges all of User’s property, i.e. all: motor vehicles; aircraft; vessels; ships; trademarks; copyrights; patents; consumer
goods; firearms; farm products; inventory; equipment; money; investment property; commercial tort claims; letters of
credit; letter-of-credit rights; chattel paper; electronic chattel paper; tangible chattel paper; certificated securities;
uncertificated securities; promissory notes; payment intangibles; software; health-care-insurance receivables; instruments;
deposit accounts; accounts; documents; livestock; real estate and real property—including all buildings, structures,
fixtures, and appurtenances situated thereon, as well as affixed thereto—fixtures; manufactured homes; timber; crops;
and as-extracted collateral, i.e. all oil, gas, and other minerals, as well as any and all accounts arising from the sale of
these substances, both at wellhead and minehead; accessions, increases, and additions, replacements of, and
substitutions for, any of the property described hereinabove in this paragraph; products, produce, and proceeds of any of
the property described hereinabove in this paragraph; accounts, general intangibles, instruments, monies, payments, and
contract rights, and all other rights, arising out of sale, lease, and other disposition of any of the property described
hereinabove in this paragraph; proceeds, including insurance, bond, general intangibles, and accounts proceeds, from the
sale, destruction, loss, and other disposition of any of the property described hereinabove in this paragraph; records and
data involving any of the property described hereinabove in this paragraph, such as in the form of a writing, photograph,
microfilm, microfiche, tape, electronic media, and the like, together with all of User’s right, title, and interest in all computer
software and hardware required for utilizing, creating, maintaining, and processing any such records and data in any
electronic media, and all of User’s rights in all such foregoing property in this paragraph, now owned and hereafter
acquired, now existing and hereafter arising, and wherever located, as collateral to secure User’s contractual obligation in
favor of Secured Party for User’s unauthorized use of Secured Party’s common-law-copyrighted property;

NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM

Page 2 of 5
MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212
(3) Consents and agrees with Secured Party’s filing of a UCC Financing Statement in the UCC filing office, as well as in any
county recorder’s office, wherein User is Debtor and John Henry Doe© is Secured Party;
(4) Consents and agrees that said UCC Financing Statement described above in paragraph “(3)” is a continuing financing
statement, and further consents and agrees with Secured Party’s filing of any continuation statement necessary to
maintain Secured Party’s perfected security interest in all of User’s property and rights in property pledged as collateral in
Security Agreement described above in paragraph “(2),” until User’s contractual obligation theretofore incurred has been
fully satisfied;
(5) Consents and agrees with Secured Party’s filing of any and all UCC Financing Statements, as described hereinabove in
paragraphs “(3)” and “(4),” and the filing of any Security Agreement, as described hereinabove in paragraph “(2),” in the
UCC filing office, as well as in any county recorder’s office;
(6) Consents and agrees that any and all such filings described in paragraphs “(4)” and “(5)” above are not, and may not be
considered, bogus, and that User will not claim that any such filing is bogus;
(7) Waives all defenses;
(8) Appoints Secured Party as Authorized Representative for User, effective upon User’s default re User’s contractual
obligations in favor of Secured Party as set forth below under “Payment Terms” and “Default Terms,” granting Secured
Party full authority and power to engage in any and all actions on behalf of User including, but not limited to, authentica-
tion of a record on behalf of User, as Secured Party, in Secured Party’s sole discretion, deems appropriate, and, as
regards any deposit account of any kind maintained with any bank in/under the name of User, and likewise any deposit
account maintained with any bank in/under the Social Security Account Number of User, notwithstanding the absence of
User’s name as account-holder on any such deposit account maintained with any bank in/under the Social Security
Account Number of User, grants Secured Party full authority and power to originate instructions for said deposit-account
bank and direct the disposition of funds in said deposit account by acting as signatory on said deposit account without
further consent of User and without liability, and User further consents and agrees that this appointment of Secured Party
as Authorized Representative for User, effective upon User’s default, is irrevocable and coupled with a security interest;
(9) Consents and agrees with all of the following additional terms of this Self-executing Security Agreement:
(a) Payment Terms: In accordance with fees for unauthorized use of JOHN HENRY DOE© as set forth above, User
hereby consents and agrees that User shall pay Secured Party all unauthorized-use fees in full within ten (10) days of
date Secured Party’s invoice, hereinafter “Invoice,” itemizing said fees, is sent User.
(b) Default Terms: In event of non-payment in full of all unauthorized-use fees by User within ten (10) days of date
Invoice is sent, User shall be deemed in default and:
(i) All of User’s property and rights in property pledged as collateral by User, as set forth in above in paragraph “(2),”
immediately becomes, i.e. is, property of Secured Party;
(ii) Secured Party is appointed User’s Authorized Representative as set forth above in paragraph “(8)”; and
(iii) User consents and agrees that Secured Party may take possession of, as well as otherwise dispose of in any
manner that Secured Party, in Secured Party’s sole discretion, deems appropriate, including, but not limited to,
sale at auction, at any time following User’s default, and without further notice, any and all of User’s former
property and rights in property formerly pledged as collateral by User, as described above in paragraph “(2),”
now property of Secured Party, in respect of this “Self-executing Security Agreement,” that Secured Party, again
in Secured Party’s sole discretion, deems appropriate.
(c) Terms for Curing Default: Upon event of default, as set forth above under “Default Terms,” User can cure User’s
default and avoid strict foreclosure re any remainder of User’s former property and rights in property that is neither in
the possession of Secured Party, nor otherwise disposed of by Secured Party, only within twenty (20) days of User’s
default and only by payment in full of the balance of the sum certain amount owed by User, as noticed User in
Invoice, that is not already paid by Secured Party’s possession, sale, liquidation, and the like of User’s former
property and rights in property pledged as collateral to secure User’s obligation.
(d) Terms of Strict Foreclosure: User’s non-payment in full of all unauthorized-use fees itemized in Invoice within said
twenty- (20) day period for curing default as set forth above under “Terms for Curing Default” authorizes Secured
Party’s immediate non-judicial strict foreclosure on any and all remaining property and rights in property formerly
pledged as collateral by User, now property of Secured Party, which is not in the possession of, nor otherwise
disposed of by, Secured Party upon expiration of said twenty- (20) day default-curing period.
Ownership subject to common-law copyright and UCC Financing Statement and security agreement filed with the UCC filing
office. Record Owner: John Henry Doe©, Autograph Common Law Copyright ©1973 by John Henry Doe©.
NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM
Page 3 of 5
MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212
Words Defined – Glossary of Terms
As used in this Notice by Written Communication, the following words and terms are as defined in this section, non obstante:
All. In this Notice by Written Communication the word “all” means everything one has: the whole number; totality, including
both all and sundry; everyone; without restriction.
Appellation. In this Notice by Written Communication the term “appellation” means: A general term that introduces and
specifies a particular term which may be used to address, greet, call out for, and make appeals of a particular living, breathing,
flesh-and-blood man.
Authorized Representative. In this Notice by Written Communication the term “Authorized Representative” means the
Secured Party, John Henry Doe©, authorized by Debtor, upon Debtor’s default, to sign Debtor’s signature, without liability and
without recourse.
Collateral. In this Notice by Written Communication the term “Collateral” means any and all property of Debtor identified
above in paragraph “(2).”
Debtor. In this Notice by Written Communication the term “Debtor” means LAWRENCE D. MITCHELL, effective upon
execution of Security Agreement as set forth above under “Self-executing Security Agreement.”
Default. In this Notice by Written Communication the term “default” means Debtor’s non-performance of a duty arising under
this Notice by Written Communication as set forth above under paragraph “(9)(b),” “Default Terms.”
Derivative. In this Notice by Written Communication the word “derivative” means coming from another; taken from something
preceding; secondary; that which has not the origin in itself, but obtains existence from something foregoing and of a more
primal and fundamental nature; anything derived from another.
Ens legis. In this Notice by Written Communication the term “ens legis” means a creature of the law; an artificial entity, as
contrasted with a living, breathing, flesh-and-blood man, such as a corporation, considered as deriving its existence entirely
from the law.
Hold-harmless and Indemnity Agreement. In this Notice by Written Communication the term “Hold-harmless and Indemnity
Agreement” means the written, express, Hold-harmless and Indemnity Agreement No. JHD-030473-HHIA dated the Fourth
Day of the Third Month in the Year of Our Lord One Thousand Nine Hundred Seventy-three, between John Henry Doe© and
JOHN HENRY DOE©, together with all modifications of and substitutions for said Hold-harmless and Indemnity Agreement.
JOHN H. DOE. In this Notice by Written Communication the term “JOHN H. DOE” means JOHN H. DOE©, a derivative of
JOHN HENRY DOE ©, Common LawCopyright ©1973 by John Henry Doe©. All Rights Reserved.
JOHN HENRY DOE. In this Notice by Written Communication the term “JOHN HENRY DOE” means JOHN HENRY DOE©,
and any and all derivatives and variations in the spelling of said name except “John Henry Doe,” Common Law Copyright © 1973
by John Henry Doe©. All Rights Reserved.
John Henry Doe. In this Notice by Written Communication the term “John Henry Doe” means the sentient, living being known
by the distinctive appellation “John Henry Doe.” All rights reserved re use of John Henry Doe©, Autograph Common Law
Copyright ©1973 by John Henry Doe©.
Juristic person. In this Notice by Written Communication the term “juristic person” means an abstract, legal entity ens legis,
such as a corporation, created by construct of law and considered as possessing certain legal rights and duties of a human
being; an imaginary entity, such as LAWRENCE D. MITCHELL, which, on the basis of legal reasoning, is treated as a human
being for the purpose of conducting commercial activity for the benefit of a sentient, living being, such as John Henry Doe©.
“From the earliest times the law has enforced rights and exacted liabilities by utilizing a corporate concept – by
recognizing, that is, juristic persons other than human beings. The theories by which this mode of legal operation
has developed, has been justified, qualified, and defined are the subject matter of a very sizable library. The historic
roots of a particular society, economic pressures, philosophic notions, all have had their share in the law’s response
to the ways of men in carrying on their affairs through what is now the familiar device of the corporation. ------
Attribution of legal rights and duties to a juristic person other than man is necessarily a metaphorical process. And
none the worse for it. No doubt, ‘Metaphors in law are to be narrowly watched.’” Cardozo, J., in Berkey v. Third
Avenue R. Co., 244 N.Y. 84, 94. “But all instruments of thought should be narrowly watched lest they be abused
and fail in their service to reason.” See U.S. v. SCOPHONY CORP. OF AMERICA, 333 U.S. 795; 68 S.Ct. 855;
1948 U.S.”

NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM

Page 4 of 5
MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212
LAWRENCE D. MITCHELL. In this Notice by Written Communication the term ”LAWRENCE D. MITCHELL” means
LAWRENCE D. MITCHELL, a juristic person.
Living, breathing, flesh-and-blood man. In this Notice by Written Communication the term “living, breathing, flesh-and-
blood man” means the Secured Party, John Henry Doe©, a sentient, living being, as distinguished from an artificial legal
construct, ens legis, i.e. a juristic person, created by construct of law.
“There, every man is independent of all laws, except those prescribed by nature. He is not bound by any institutions
formed by his fellowmen without his consent.” CRUDEN v. NEALE, 2 N.C. 338 (1796) 2 S.E. 70.
Non obstante. In this Notice by Written Communication the term “non obstante” means: Words anciently used in public and
private instruments with the intent of precluding, in advance, any interpretation other than certain declared objects, purposes.
Secured Party. In this Notice by Written Communication the term “Secured Party” means John Henry Doe©, a living, sentient
being as distinguished from a juristic person created by construct of law.
Security Agreement. In this Notice by Written Communication the term “Security Agreement” means the self-executing Security
Agreement as described above under “Self-executing Security Agreement,” together with any and all attachments, exhibits,
documents, endorsements, and schedules attached thereto.
Sentient, living being. In this Notice by Written Communication the term “sentient, living being” means the Secured Party, i.e.
John Henry Doe©, a living, breathing, flesh-and-blood man, as distinguished from an abstract legal construct, such as an
artificial entity, juristic person, corporation, partnership, association, and the like.
Additional Provisions
Any unenforceable provision of this Notice by Written Communication is severed from this Notice by Written Communication,
but every remaining provision continues in full force and effect and this Notice by Written Communication is deemed modified
in a manner that renders this Notice by Written Communication effective and in full force and effect. In all cases Secured
Party continues without liability and is held harmless.
Any prior communication, written document, and the like by and between Respondent and Secured Party containing any
mistake of Secured Party is invalidated thereby and of no force and effect, and may not be relied upon by Respondent against
Secured Party in this matter.
LAWRENCE D. MITCHELL consents and agrees that this Notice by Written Communication is a private, consensual contract
and may not be impaired by any third party.
LAWRENCE D. MITCHELL consents and agrees in full with all terms, conditions, and provisions as stated above.
With the intent of entering this consensual contract both LAWRENCE D. MITCHELL as Debtor and John Henry Doe© as
Secured Party do herewith execute this Security Agreement.
Debtor: LAWRENCE D. MITCHELL
LAWRENCE D. MITCHELL
Debtor’s Signature
Secured Party accepts Debtor’s signature in accord with UCC §§ 1-201(39), 3-401.

Secured Party: John Henry Doe©

_______________________________________________
Secured Party’s Signature
Autograph Common Law Copyright © 1973 by John Henry Doe©, EID # 1234-56789. All Rights Reserved. No part of this common-law
copyright may be reproduced in any manner without the prior, express written permission of John Henry Doe© as signified by the hand-
signed, red-ink signature of John Henry Doe ©. Unauthorized use of “John Henry Doe” incurs same unauthorized-use fees as those
associated with JOHN HENRY DOE©, as set forth above in Notice by Written Communication/Security Agreement.
This Notice by Written Communication/Security Agreement is non-negotiable, is sent LAWRENCE D. MITCHELL by United States Postal
Service Registered Mail, and constitutes notice of John Henry Doe©’s perfected security interest in all property of JOHN HENRY DOE ©,
secured collateral of John Henry Doe ©.
Enclosures: Copy of written communication from LAWRENCE D. MITCHELL dated March 11, 2002; published Copyright Notice; filed UCC
Financing Statement; Private Agreement; Hold-harmless and Indemnity Agreement; Security Agreement
NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM
Page 5 of 5
MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212

Non-Negotiable U.S.P.S. Registered Mail Article No. RR111222333US

March 14, 2002 John Henry Doe©
Post Office Box 9999
Los Angeles, CA 90010

LAWRENCE D. MITCHELL
MITCHELL & GREENE, L.L.P.
9500 Wilshire Boulevard
Beverly Hills, CA 90212
NOTICE BY WRITTEN COMMUNICATION / SECURITY AGREEMENT
This Notice by Written Communication/Security Agreement, hereinafter “Notice by Written Communication,” is sent for the
purpose of clearing up a misunderstanding on the part of John Henry Doe©, hereinafter “Secured Party.” Considering the
seriousness of this matter Secured Party has determined that it is vital that all communication by and between Secured Party
and LAWRENCE D. MITCHELL be in written form so that a proper record is maintained for Secured Party’s remedy should
such need ever arise. In event LAWRENCE D. MITCHELL determines that legal advice is necessary, LAWRENCE D.
MITCHELL may hire a professional qualified to provide such advice. LAWRENCE D. MITCHELL may correspond with
Secured Party only by designating addressee on any envelope, package, and the like, intended for Secured Party as “Secured
Party.” LAWRENCE D. MITCHELL‘S use of any other addressee designation on any correspondence intended for Secured
Party is not authorized and accelerates LAWRENCE D. MITCHELL‘S acceptance of the obligation of the herein-below-
described consensual contract effective the date any such unauthorized correspondence is sent Secured Party by
LAWRENCE D. MITCHELL and in accordance with other terms set forth herein below under “Acceleration of Acceptance of
Obligation of Consensual Contract.”
It is Secured Party’s understanding that LAWRENCE D. MITCHELL does not hold a perfected security interest in any property
of JOHN HENRY DOE©, also known by any and all derivatives and variations in the spelling of said name used with the intent
of referencing JOHN HENRY DOE©, e.g. JOHN H. DOE©, and likewise in any secured collateral of Secured Party. In event
LAWRENCE D. MITCHELL claims a perfected security interest in any property of JOHN HENRY DOE©, i.e. in any secured
collateral of Secured Party, LAWRENCE D. MITCHELL must provide Secured Party with proof of superiority of any such
perfected security interest of LAWRENCE D. MITCHELL‘S over that of Secured Party’s within seventy-two (72) hours of
midnight the day following LAWRENCE D. MITCHELL‘S receipt of this Notice by Written Communication.
Secured Party is not now, nor has Secured Party ever been a surety, nor an accommodation party, for JOHN HENRY DOE©,
nor for any derivative of, nor for any variation in the spelling of, JOHN HENRY DOE©, nor for any other juristic person, and is so
indemnified and held harmless by JOHN HENRY DOE© in Hold-harmless and Indemnity Agreement No. JHD-030473-HHIA
dated the Fourth Day of the Third Month in the Year of Our Lord One Thousand Nine Hundred Seventy-three against any and
all claims, legal actions, orders, warrants, judgments, demands, liabilities, losses, depositions, summonses, lawsuits, costs,
fines, liens, levies, penalties, damages, interests, and expenses whatsoever, both absolute and contingent, as are due and as
might become due, now existing and as might hereafter arise, and as might be suffered by, imposed on, and incurred by JOHN
HENRY DOE© for any and every reason, purpose, and cause whatsoever.
Unauthorized Use Strictly Prohibited
All rights reserved re common-law copyright of trade-name/trade-mark JOHN HENRY DOE©—as well as any and all
derivatives and variations in the spelling of said trade-name/trade-mark, not excluding “John Henry Doe”—Common Law
Copyright © 1973 by John Henry Doe©. Said trade-name/trade-mark, JOHN HENRY DOE©, may neither be displayed, nor
used, nor reproduced in whole, nor in part, nor in any manner whatsoever, without the prior, express, written consent and
acknowledgment of Secured Party, subscribed with Secured Party’s hand-signed signature in red ink.
This Notice by Written Communication provides LAWRENCE D. MITCHELL with notice that “JOHN H. DOE” is a common-law
trade-name/trade-mark and common-law copyright of John Henry Doe©, i.e. Secured Party, that any unauthorized use of
JOHN H. DOE© by LAWRENCE D. MITCHELL constitutes counterfeiting and common-law trade-name/trade-mark copyright
infringement, that Secured Party neither grants, nor implies, nor otherwise gives consent for any unauthorized use of JOHN H.
DOE ©, and that any and all such unauthorized use is strictly prohibited.

NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM

Page 1 of 5
MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212
Acceleration of Acceptance of Obligation of Consensual Contract
With the intent of being contractually bound, any juristic person, including, but not limited to, LAWRENCE D. MITCHELL and
MITCHELL & GREENE, L.L.P., consents and agrees by this Notice by Written Communication that said juristic person shall
neither display, nor reproduce, nor otherwise use in any manner, the common-law trade-name/trade-mark JOHN HENRY
DOE ©, nor the common-law copyright associated therewith, nor any derivative of, nor any variation in the spelling of, JOHN
HENRY DOE©, not excluding “John Henry Doe,” without the prior, express, written consent and acknowledgment of Secured
Party, subscribed with Secured Party’s hand-signed signature in red ink, and that any such additional instance of unauthorized
use of Secured Party’s common-law-copyrighted property by LAWRENCE D. MITCHELL following LAWRENCE D.
MITCHELL‘S receipt of this Notice by Written Communication accelerates LAWRENCE D. MITCHELL‘S acceptance of the
obligation of the herein-described consensual contract, as well as the unconditional promise of payment in full of said obligation,
effective the date of the first instance of additional unauthorized use following LAWRENCE D. MITCHELL‘S receipt of this Notice
by Written Communication, in strict accordance with terms set forth below in paragraphs “(1)” through “(9)” under “Self-executing
Security Agreement,” wherein LAWRENCE D. MITCHELL is “User.”
Procedure to Opt Out of Consensual Contract
LAWRENCE D. MITCHELL‘S unauthorized use, i.e. counterfeiting, of Secured Party’s common-law trade-name/trade-mark and
copyright, consensually contractually binds LAWRENCE D. MITCHELL with Secured Party, as of LAWRENCE D. MITCHELL‘S
initial unauthorized use of Secured Party’s common-law trade-name/trade-mark and copyright, in respect of fair compensation due
Secured Party for use of Secured Party’s private property. LAWRENCE D. MITCHELL can opt out and withdraw from LAWRENCE
D. MITCHELL‘S consensual contract with Secured Party and retain no obligation associated therewith only by immediate cessation
of any and all further unauthorized use of Secured Party’s common-law-copyrighted property.
Self-Executing Security Agreement
By the act of any single instance of unauthorized use of Secured Party’s common-law-copyrighted property by LAWRENCE D.
MITCHELL following LAWRENCE D. MITCHELL‘S receipt of this Notice by Written Communication, LAWRENCE D. MITCHELL,
hereinafter “User” only in this “Self-executing Security Agreement” section, accepts the obligation of this consensual contract,
this Notice by Written Communication concomitantly becomes a security agreement, hereinafter “Security Agreement,”
wherein User is Debtor and John Henry Doe© is Secured Party, and User:
(1) Grants Secured Party a security interest in all of User’s property and rights in property in the sum certain amount of
$500,000.00 per each occurrence of use of common-law-copyrighted trade-name/trade-mark JOHN HENRY DOE©, as
well as for each and every use of any and all derivatives of, and variations in the spelling of, JOHN HENRY DOE©, not
excluding “John Henry Doe,” plus all reasonable costs associated with enforcing said security rights and collecting the
indebtedness, plus triple damages, i.e. plus total damages calculated in United States Dollars and multiplied by a factor of
3 (i.e. Damages in United States Dollars X 3);
(2) Authenticates this Security Agreement wherein User is Debtor and John Henry Doe© is Secured Party, and wherein User
pledges all of User’s property, i.e. all: motor vehicles; aircraft; vessels; ships; trademarks; copyrights; patents; consumer
goods; firearms; farm products; inventory; equipment; money; investment property; commercial tort claims; letters of
credit; letter-of-credit rights; chattel paper; electronic chattel paper; tangible chattel paper; certificated securities;
uncertificated securities; promissory notes; payment intangibles; software; health-care-insurance receivables; instruments;
deposit accounts; accounts; documents; livestock; real estate and real property—including all buildings, structures,
fixtures, and appurtenances situated thereon, as well as affixed thereto—fixtures; manufactured homes; timber; crops;
and as-extracted collateral, i.e. all oil, gas, and other minerals, as well as any and all accounts arising from the sale of
these substances, both at wellhead and minehead; accessions, increases, and additions, replacements of, and
substitutions for, any of the property described hereinabove in this paragraph; products, produce, and proceeds of any of
the property described hereinabove in this paragraph; accounts, general intangibles, instruments, monies, payments, and
contract rights, and all other rights, arising out of sale, lease, and other disposition of any of the property described
hereinabove in this paragraph; proceeds, including insurance, bond, general intangibles, and accounts proceeds, from the
sale, destruction, loss, and other disposition of any of the property described hereinabove in this paragraph; records and
data involving any of the property described hereinabove in this paragraph, such as in the form of a writing, photograph,
microfilm, microfiche, tape, electronic media, and the like, together with all of User’s right, title, and interest in all computer
software and hardware required for utilizing, creating, maintaining, and processing any such records and data in any
electronic media, and all of User’s rights in all such foregoing property in this paragraph, now owned and hereafter
acquired, now existing and hereafter arising, and wherever located, as collateral to secure User’s contractual obligation in
favor of Secured Party for User’s unauthorized use of Secured Party’s common-law-copyrighted property;

NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM

Page 2 of 5
MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212
(3) Consents and agrees with Secured Party’s filing of a UCC Financing Statement in the UCC filing office, as well as in any
county recorder’s office, wherein User is Debtor and John Henry Doe© is Secured Party;
(4) Consents and agrees that said UCC Financing Statement described above in paragraph “(3)” is a continuing financing
statement, and further consents and agrees with Secured Party’s filing of any continuation statement necessary to
maintain Secured Party’s perfected security interest in all of User’s property and rights in property pledged as collateral in
Security Agreement described above in paragraph “(2),” until User’s contractual obligation theretofore incurred has been
fully satisfied;
(5) Consents and agrees with Secured Party’s filing of any and all UCC Financing Statements, as described hereinabove in
paragraphs “(3)” and “(4),” and the filing of any Security Agreement, as described hereinabove in paragraph “(2),” in the
UCC filing office, as well as in any county recorder’s office;
(6) Consents and agrees that any and all such filings described in paragraphs “(4)” and “(5)” above are not, and may not be
considered, bogus, and that User will not claim that any such filing is bogus;
(7) Waives all defenses;
(8) Waives rights of presentment, notice of dishonor, and notice of protest;
(9) Appoints Secured Party as Authorized Representative for User, effective upon User’s default re User’s contractual
obligations in favor of Secured Party as set forth below under “Payment Terms” and “Default Terms,” granting Secured
Party full authority and power to engage in any and all actions on behalf of User including, but not limited to,
authentication of a record on behalf of User, as Secured Party, in Secured Party’s sole discretion, deems appropriate,
and, as regards any deposit account of any kind maintained with any bank in/under the name of User, and likewise any
deposit account maintained with any bank in/under the Taxpayer Identification Number of User, notwithstanding the
absence of User’s name as account-holder on any such deposit account maintained with any bank in/under the Taxpayer
Identification Number of User, grants Secured Party full authority and power to originate instructions for said deposit-
account bank and direct the disposition of funds in said deposit account by acting as signatory on said deposit account
without further consent of User and without liability, and User further consents and agrees that this appointment of
Secured Party as Authorized Representative for User, effective upon User’s default, is irrevocable and coupled with a
security interest;
(10) Consents and agrees with all of the following additional terms of this Self-executing Security Agreement:
(a) Payment Terms: In accordance with fees for unauthorized use of JOHN HENRY DOE© as set forth above, User
hereby consents and agrees that User shall pay Secured Party all unauthorized-use fees in full within ten (10) days of
date Secured Party’s invoice, hereinafter “Invoice,” itemizing said fees, is sent User.
(b) Default Terms: In event of non-payment in full of all unauthorized-use fees by User within ten (10) days of date
Invoice is sent, User shall be deemed in default and:
(i) All of User’s property and rights in property pledged as collateral by User, as set forth in above in paragraph “(2),”
immediately becomes, i.e. is, property of Secured Party;
(ii) Secured Party is appointed User’s Authorized Representative as set forth above in paragraph “(9)”; and
(iii) User consents and agrees that Secured Party may take possession of, as well as otherwise dispose of in any
manner that Secured Party, in Secured Party’s sole discretion, deems appropriate, including, but not limited to,
sale at auction, at any time following User’s default, and without further notice, any and all of User’s former
property and rights in property formerly pledged as collateral by User, as described above in paragraph “(2),”
now property of Secured Party, in respect of this “Self-executing Security Agreement,” that Secured Party, again
in Secured Party’s sole discretion, deems appropriate.
(c) Terms for Curing Default: Upon event of default, as set forth above under “Default Terms,” User can cure User’s
default and avoid strict foreclosure re any remainder of User’s former property and rights in property that is neither in
the possession of Secured Party, nor otherwise disposed of by Secured Party, only within twenty (20) days of User’s
default and only by payment in full of the balance of the sum certain amount owed by User, as noticed User in
Invoice, that is not already paid by Secured Party’s possession, sale, liquidation, and the like of User’s former
property and rights in property pledged as collateral to secure User’s obligation.
(d) Terms of Strict Foreclosure: User’s non-payment in full of all unauthorized-use fees itemized in Invoice within said
twenty- (20) day period for curing default as set forth above under “Terms for Curing Default” authorizes Secured
Party’s immediate non-judicial strict foreclosure on any and all remaining property and rights in property formerly
pledged as collateral by User, now property of Secured Party, which is not in the possession of, nor otherwise
disposed of by, Secured Party upon expiration of said twenty- (20) day default-curing period.
NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM
Page 3 of 5
MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212
Ownership subject to copyright of common-law trade-name/trade-mark and security agreement and UCC Financing Statement
filed with the UCC filing office. Record Owner: John Henry Doe©, Autograph Common Law Copyright ©1973 by John Henry Doe©.
Words Defined – Glossary of Terms
As used in this Notice by Written Communication, the following words and terms are as defined in this section, non obstante:
All. In this Notice by Written Communication the word “all” means everything one has: the whole number; totality, including
both all and sundry; everyone; without restriction.
Appellation. In this Notice by Written Communication the term “appellation” means: A general term that introduces and
specifies a particular term which may be used to address, greet, call out for, and make appeals of a particular living, breathing,
flesh-and-blood man.
Authorized Representative. In this Notice by Written Communication the term “Authorized Representative” means the
Secured Party, John Henry Doe©, authorized by Debtor, upon Debtor’s default, to sign Debtor’s signature, without liability and
without recourse.
Collateral. In this Notice by Written Communication the term “Collateral” means any and all property of Debtor identified
above in paragraph “(2).”
Debtor. In this Notice by Written Communication the term “Debtor” means LAWRENCE D. MITCHELL, effective upon
execution of Security Agreement as set forth above under “Self-executing Security Agreement.”
Default. In this Notice by Written Communication the term “default” means Debtor’s non-performance of a duty arising under
this Notice by Written Communication as set forth above under paragraph “(9)(b),” “Default Terms.”
Derivative. In this Notice by Written Communication the word “derivative” means coming from another; taken from something
preceding; secondary; that which has not the origin in itself, but obtains existence from something foregoing and of a more
primal and fundamental nature; anything derived from another.
Ens legis. In this Notice by Written Communication the term “ens legis” means a creature of the law; an artificial entity, as
contrasted with a living, breathing, flesh-and-blood man, such as a corporation, considered as deriving its existence entirely
from the law.
Hold-harmless and Indemnity Agreement. In this Notice by Written Communication the term “Hold-harmless and Indemnity
Agreement” means the written, express, Hold-harmless and Indemnity Agreement No. JHD-030473-HHIA dated the Fourth
Day of the Third Month in the Year of Our Lord One Thousand Nine Hundred Seventy-three, between John Henry Doe© and
JOHN HENRY DOE©, together with all modifications of and substitutions for said Hold-harmless and Indemnity Agreement.
JOHN H. DOE. In this Notice by Written Communication the term “JOHN H. DOE” means JOHN H. DOE©, a derivative of
JOHN HENRY DOE©, Common LawCopyright ©1973 by John Henry Doe©. All Rights Reserved.
JOHN HENRY DOE. In this Notice by Written Communication the term “JOHN HENRY DOE” means JOHN HENRY DOE©,
and any and all derivatives and variations in the spelling of said name except “John Henry Doe,” Common Law Copyright © 1973
by John Henry Doe©. All Rights Reserved.
John Henry Doe. In this Notice by Written Communication the term “John Henry Doe” means the sentient, living being known
by the distinctive appellation, “John Henry Doe.” All rights reserved re use of John Henry Doe©, Autograph Common Law
Copyright ©1973 by John Henry Doe©.
Juristic person. In this Notice by Written Communication the term “juristic person” means an abstract, legal entity ens legis,
such as a corporation, created by construct of law and considered as possessing certain legal rights and duties of a human
being; an imaginary entity, such as LAWRENCE D. MITCHELL, which, on the basis of legal reasoning, is treated as a human
being for the purpose of conducting commercial activity for the benefit of a sentient, living being, such as John Henry Doe©.
“From the earliest times the law has enforced rights and exacted liabilities by utilizing a corporate concept – by
recognizing, that is, juristic persons other than human beings. The theories by which this mode of legal operation has
developed, has been justified, qualified, and defined are the subject matter of a very sizable library. The historic roots of
a particular society, economic pressures, philosophic notions, all have had their share in the law’s response to the ways
of men in carrying on their affairs ht rough what is now the familiar device of the corporation. ------ Attribution of legal
rights and duties to a juristic person other than man is necessarily a metaphorical process. And none the worse for it.
No doubt, ‘Metaphors in law are to be narrowly watched.’” Cardozo, J., in Berkey v. Third Avenue R. Co., 244 N.Y. 84,
94. “But all instruments of thought should be narrowly watched lest they be abused and fail in their service to reason.”
See U.S. v. SCOPHONY CORP. OF AMERICA, 333 U.S. 795; 68 S.Ct. 855; 1948 U.S.”
NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM
Page 4 of 5
MITCHELL, LAWRENCE D.
9500 Wilshire Boulevard, Beverly Hills, CA 90212
LAWRENCE D. MITCHELL. In this Notice by Written Communication the term ”LAWRENCE D. MITCHELL” means
LAWRENCE D. MITCHELL, a juristic person.
Living, breathing, flesh-and-blood man. In this Notice by Written Communication the term “living, breathing, flesh-and-
blood man” means the Secured Party, John Henry Doe©, a sentient, living being, as distinguished from an artificial legal
construct, ens legis, i.e. a juristic person, created by construct of law.
“There, every man is independent of all laws, except those prescribed by nature. He is not bound by any institutions
formed by his fellowmen without his consent.” CRUDEN v. NEALE, 2 N.C. 338 (1796) 2 S.E. 70.
Non obstante. In this Notice by Written Communication the term “non obstante” means: Words anciently used in public and
private instruments with the intent of precluding, in advance, any interpretation other than certain declared objects, purposes.
Secured Party. In this Notice by Written Communication the term “Secured Party” means John Henry Doe©, a living, sentient
being as distinguished from a juristic person created by construct of law.
Security Agreement. In this Notice by Written Communication the term “Security Agreement” means the self-executing Security
Agreement as described above under “Self-executing Security Agreement,” together with any and all attachments, exhibits,
documents, endorsements, and schedules attached thereto.
Sentient, living being. In this Notice by Written Communication the term “sentient, living being” means the Secured Party, i.e.
John Henry Doe©, a living, breathing, flesh-and-blood man, as distinguished from an abstract legal construct, such as an
artificial entity, juristic person, corporation, partnership, association, and the like.
Additional Provisions
Any unenforceable provision of this Notice by Written Communication is severed from this Notice by Written Communication,
but every remaining provision continues in full force and effect and this Notice by Written Communication is deemed modified
in a manner that renders this Notice by Written Communication effective and in full force and effect. In all cases Secured
Party continues without liability and is held harmless.
Any prior communication, written document, and the like by and between Respondent and Secured Party containing any
mistake of Secured Party is invalidated thereby and of no force and effect, and may not be relied upon by Respondent against
Secured Party in this matter.
LAWRENCE D. MITCHELL consents and agrees that this Notice by Written Communication is a private, consensual contract
and may not be impaired by any third party.
LAWRENCE D. MITCHELL consents and agrees in full with all terms, conditions, and provisions as stated above.
With the intent of entering this consensual contract both LAWRENCE D. MITCHELL as Debtor and John Henry Doe© as
Secured Party do herewith execute this Security Agreement.
Debtor: LAWRENCE D. MITCHELL
LAWRENCE D. MITCHELL
Debtor’s Signature
Secured Party accepts Debtor’s signature in accord with UCC §§ 1-201(39), 3-401.

Secured Party: John Henry Doe©

_______________________________________________
Secured Party’s Signature
Autograph Common Law Copyright © 1973 by John Henry Doe©, EID # 1234-56789. All Rights Reserved. No part of this common-law
copyright may be reproduced in any manner without the prior, express written permission of John Henry Doe© as signified by the hand-
signed, red-ink signature of John Henry Doe ©. Unauthorized use of “John Henry Doe” incurs same unauthorized-use fees as those
associated with JOHN HENRY DOE©, as set forth above in Notice by Written Communication/Security Agreement.
This Notice by Written Communication/Security Agreement is non-negotiable, is sent LAWRENCE D. MITCHELL by United States Postal
Service Registered Mail, and constitutes notice of John Henry Doe©’s perfected security interest in all property of JOHN HENRY DOE ©,
secured collateral of John Henry Doe ©.
Enclosures: Copy of written communication from LAWRENCE D. MITCHELL dated March 11, 2002; published Copyright Notice; filed UCC
Financing Statement; Private Agreement; Hold-harmless and Indemnity Agreement; Security Agreement
NOTICE BY WRITTEN COMMUNICATION/SECURITY AGREEMENT NO. JHD-031402-LDM
Page 5 of 5
 PDF MAKER’S NOTE

The following success claims are not

part of CTC3 but are presumably the
result of applying the material in the
book. They were saved from the old
Truthseeker’s Network site forum before
it went offline and are added here to
illustrate the claimed usability of the
data contained herein, as well as to
inspire the reader. The veracity of such
claims is, of course, left up to the reader
to decide.

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World Omni Financial Carp.
P-O. Box 991817
Mobile AL 36691 - 8817

WORLD OMNI
(8001 553 - 2650
August 9, 2003

000137 - WFLPIF

RP: Account Number: 00 1 - 01- 00000003

Vehicle Description: 1997 Dodge Caravan
Vehicle identification Number: 2B 4GP44R 2VR

Dear Customer:

This letter will serve as verification that the above referenced account is paid in full.
Thank you for allowing us the opportunity to finance your vehicle. We value you as a
customer and look forward to servicing your future financing needs.

If you have any questions, please contact our office at the number iisted above.

Customer Service Department

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I n Nov ember of 2002 Omi d appr oac hed UCCSG f or as s i s t anc e wi t h an
out s t andi ng aut o l oan of whi c h hi s STRAWMAN per s onal l y guar ant eed
on behal f of hi s f or mer c or por at i on. The al l eged l oan was obt ai ned
f or a f or mer bus i nes s as s oc i at e and upon Omi d' s enl i ght enment wi t h
r es pec t t o how t he bank i ng s y s t ems / l ender s oper at e i n t he U. S. he
dec i ded t o mak e an ef f or t wi t h t he as s i s t anc e of UCCSG t o di s c har ge
t he al l eged debt c l ai m. Omi d s ent a doc ument pac k age t o
CHASE MANHATTAN AUTOMOTI VE FI NANCE CORPORATI ON ent i t l ed
RESPONDENT' S PRI VATE, TENDER OF PAYMENT AND DI SCHARGE OF DEBT
CLAI M/ MONETARY OBLI GATI ON whi c h i nc l uded a Bi l l of Ex c hange
t ender ed i n t he amount of $16, 366. 61. Unf or t unat el y , s omeone
wi t hout poi nt i ng t he f i nger mi s c al c ul at ed t he Pay of f amount
t her ef or e CHASE s ent Omi d a r ec ent c ommuni c at i on r eques t i ng a f i nal
$171. 17 s o t he t i t l e/ l i en per t ai ni ng t o t he aut o may be r el eas ed.
The 4 page RESPONDENT' S PRI VATE, TENDER OF PAYMENT AND DI SCHARGE OF
DEBT CLAI M/ MONETARY OBLI GATI ON pac k age c ons i s t ed of t he f ol l owi ng:

Ac k nowl edgement of t he al l eged debt c l ai m

Not i c e of Tender of Pay ment
Dec l ar at i on of Tender of Pay ment
Bi l l of Ex c hange
UCC FS
HHI A
SA
PA
CRN
Af f i dav i t of Mai l i ng

Pl eas e r ev i ew t he PDF f i l e t o s ee CHASE’ S mos t r ec ent c ommuni c at i on

al ong wi t h Omi d’ s r es pons e.
 P. 01
FEB-27-2003 11 : 09 0M
.
—

435
OHID

IRVINE, CA
IIIIHIIIIIIII IIIIIIIIII Hill II ta 14111I 11 " 11 11 1111 IIII f 1111
I i I

12/13/02

ACCTi
DEAR ..
--
A REVIEW OF YOUR ACCOUNT INDICATES THAT THERE IS AN OUTSTANDING
BALANCE DUE OF 171.17 PLEASE SEND US YOUR PAYMENT IN THE AMOUNT
INDICATED BY 01/12/03 SO THAT WE CAN SEND YOUR TITLE OR LIEN RELEASE
PLEASE RETURN THE COUPON BELOW WITH YOUR REMITTANCE IN THE
.
ENCLOSED ENVELOPE.

IF YOU HAVE ANY QUESTIONS PLEASE CALL 1 800 336 . FROM 8:00 AM
UNTIL 7:00 PM ET MONDAY THROUGH FRIDAY. THANK YOU. - - -
TOTAL AMOUNT DUE: 171.17

( fmtdch smf return bottom portion with your payment

Q CHASE
ACCOUNT NUMBER : SHORT PAYOFF NOTICE
Print Hmw AMraii. TOTAL AMOUNT OUE
Ch*>g* PAYABLE UPON RECEIPT 171.17
Adjntt
• nd
79t*pr>on*
7«J*pnon» *:WTk H
numbmr 1 I AMuiir l
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ffjei Oi » >

PIMM makt cttock or roonoy ordor pay bit to

*
CHASE AUTOMOTIVE FINANCE
P.O. BOX 15607
OMID WILMINGTON , DE 19886 1321 -
l * n iiiiiiiiiiiiii iiniiiiiiiiii iiiiiiiiiiiiii iiiiiii mm III
IRVINE , CA .
i a i 2b 7 1 f l S 2 4 4 0 1 •
CHASE AUTOMOTIVE FINANCE
P.O. BOX 15607, WILMINTON, DE 19886-1321
U.S.P.S. Registered Mail Article No.RBXXXXXXXXXXX

CHASE AUTOMOTIVE FINANCE

P.O. BOX 15607
WILMINTON, DE 1986-1321

Dear CHASE AUTOMOTIVE FINANCE,

Re: Release of Title—Lien Release / Balance Due

Account No. XXXXXXXXXX

Thank you for your recent communication. Please find enclosed herewith a money order for the amount of
$171.17 tendered for final payment and closure re account no. XXXXXXXXXX.

Please direct any information pertaining to the Release of Title—Lien Release to the address provided
below.

It has been a pleasure doing business with you.

Sincerely,

OMID XXXXXXXXXX

_________________________________
Omid XXXXX, Authorized Representative

12345 Somewhere Street

Somewhere City, State, Zip
Attention: Omid XXXXXXX
FROM : FAX NO. : Jun. 11 2003 10:54 AM PI

HONDA l

Financial Services

MAY 2 2 , 2 0 0 3

SILVA M
P.O. BOX
TARZANA CA

RE- YOUR LOAN NUMBER 101 5181267 ;

i \

Dear SILVA M<

Thank you for financing your ACCORD purchase

with Honda Finance , Your account is now paid in full
and this letter will serve as official notice for your
records.
We hope that you will consider using Honda Finance to
finance or lease your next Honda or Acura product.

Sincerely,

HONDA FINANCE
Customer Service Representative

• /
I:

Los Angeles Regional Branch

American Honda Finance Corporation P.O. Box 6070, Cypress, California 90630-0070 ( 714)
)
-
816 8100

1
 FROM : FAX NO. : Jun. 11 2003 10:55PM P2
i

!
Financial Services

j
• ;• . •*.• .1 .

Dear Valued Customer:

American Honda Finance Corporation (AHFC) would like to thank you for your business.

Now that you have completed the terms of your contract, AHFC will notify the Department of
Motor Vehicles (DMV) that your loan agreement has been paid in full, authorizing the DMV to
release a Certificate of Title to you.

You can expect to receive a lien free title in the mail within 10 business days from the date
AHFC receives your final loan payment. Your title will be sent directly to you by the DMV via
the U.S. Postal Service. This service is provided to you by AHfC at no extra cost and waives all
normal DMV processing fees.

Thank you for doing business with AHFC. We look forward to accommodating your future
Honda and Acura financing needs.
Sincerely,
_1_
.
*
!

-
•i
•\
-
*v
AMERICAN HONDA FINANCE CORPORATION

titlrtl
.. -
American Honda Finance Corporation P O. Box 6070, Cypress, California 90630, (800) 445 1358

2
FROM : PPX NO, : Jun. 26 2003 07:31PM PI
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 12/ 11/ 2002 05:55 PAGE 03
004533 200112 SBT
O Department of the Ticanuiy Notice Number: CP 504
Internal Revenue Service
Y4E& 7 MEMPHIS , TN 37501 0030
' - Notice Date: 1 2 - 0 9 - 2 0 0 2
SSN/EIN: .
Caller ID:
7105 5L?fi 7161 3822

lllillliinlilliiliiilmililliMlIllllllitil I I I I I I in,,,mu

PATRICK
ORMOND BEACH FL
»386605590

Urgent !!
We intend to levy on certain assets. Please respond NOW.
(T o avoid additional penalty and interest, pay the amount you owe within ten days from the date of this notice )

Our records indicate that you haven't paid the amount you owe The law requires that you pay your tax at the
time you file your return This is your notice, as required by Internal Revenue Code Section 6331(d ), of our
intent to levy (take ) any state tax refunds that you may be entitled to if we don 't receive your payment in
full. In addition , we will begin to search for other assets we may levy . We can also File a Notice of Federal
Tax Lien , if we haven't already done so . To prevent collection action, please pay the current balance
now. If you’ve already paid , can’t pay, or have arranged for an installment agreement, it is important that you
call US Immediately at the telephone number shown below

Account Summary
Form : 1040 TaxPenod ; 1 2 - 3 1 - 2 0 0 1 For information on
Current Balance: $2, 742.40 your penalty & interest
Includes computations , you may
call 1 -800-829 -8815 .
Penalty :
Interest : *$ 99 29 .. 67 02
Last Payment : $0.00

See th # enclosed Publication 594, The IRS Collection Prooeee , and Notice
jL-. Questions? Call us at 1-800 823-8615 - 1219 B, Notice of Potential Third Party Contact, for additional information
Please mail this part with your payment , payable to United States treasury Notice Number . CP 504
NotieeDate 1 2 - 0 9 - 2 0 0 2

write on your check

Amount Due
1040 12- 31- 2001 $2 , 742.40

Internal Revenue Service PATRICK

MEMPHIS , TH 37501- 0030

. ... . . .
UI I I I I I!I I I I I I Mil, nil•
mi
ORMOND BEACH FL

381,1,055 *10 WB 30 200112 0 Q 0 Q 027 l42 M 0

 .
FOR SECURITY PURPOSES THE FACE OF THIS DOCUMENT CONTAIF 3 A COLORED BACKGROUND AND MICROPRINTING IN THE BORDER
1
Authorization UCC §§ 1-103, 1-104, 1-201(4)(28)(30) , 3-103(a)(6), 3-1 D 4(a) (b) No. PD-121003
|X| Documentary Draft | X| Registered #:
IX| Bill of Exchange -
|X| Authority: Public Policy House Joint Resolution 1 9 1 of June 5, 1933
Remit at Par January 10, 2003
|X| Other: Acceptance |X| Voucher U : “December 8, 2002” (re “no. )

|X| Certification tf : *
|X| Attachments: IRS PRESENTMENT # CP 504 CERTIFIED FUNDS
Pay to the
Order of: UNITED STATES TREASURY $2.742.42*** *** ** ********* ** * ** * * * **** *** ********* ****** **** ***** ** * * *** * **** * **
MEMPHIS, TN 37501-0030
Two Thousand S » ven Hndred Fourty- Two 42 / 100 Dollars

Payable through:
PATRICK (UCC situs-not for correspondence)

International (t)
ORMOND BEACH FL Authorized Signature

Reference: prepaid personal item; exchange acknowledgement

- - .
This draft is an offer of tender and discharges the obligation per UCC §§ 1 103, 1 104 3-603(a)(b) and Public Policy-House Joint Resolution 192 of June 5, 1933.
,
THE Reveres CICE cr THIS rocuraiT INCU'DSS AM ART FICA '. WATERMARK ^PI n E TO VIE
*
1 J

International ( t ) No. PD- 121003

MEMO DUM
Fiduciary Collector: Post the uncollected funds into the asjret column of this account and charge the offer and acceptance for
settlement; prepaid and exempt when entered in the post-closing balance.

This statement constitutes Maker ’ s order to pay this instrument upon presentment and indorsement,
As an operation of law, Payee tacitly consents ancf agrees that th< re is accord and satisfaction by use of this instrument to satisfy
Payee ’ s claim and Maker is hereby discharged fpom liability on thi \ alleged accounted the obligation is suspended in accordance
with law as codified at UCC §§ 3- 310(b ), 3- 311/3-603, and Public P >licy at House Joint Resolution 192 of June 5, 1933.
Maker does not waive timeliness. However if Payee needs additional time , Payee must present Maker with a written request for
additional time within a reasonable time; setting forth the reasons Payee requests an extension of time, with good cause shown.
The acceptability of any such reques Yeceived by Maker from Pay ? e is conditional upon approval by Maker.
^
In the event this instrument is nof presented for payment within a reasonable period of time, andHhere has h been no request for an
this alleged account. / ^
extension of time with good cau e shown , Payee tacitly consents and agrees that Maker has satisfietj/discharged the debt claim re
x.
Payee tacitly consents and agrees that Payee has a duty to prevent this debt claim/monetary obligation from damaging Maker in
any way , and that Paye xonfesses judgment and Maker reserves fhe right to initiate a counterclaim againsfPayee, and file a claim
against the bond gir ^ any responsible party , including Payee and all principals , agents, and assignees of Payee , whose
acts /omissions result in tort damages against Maker.

For questionS regarding this draft, contact the maker by written correspondence:

PATRICK

MOND BEACH FL
Date: January 10, 2003
Recording Requested by, and
When Recorded Return to:
In care of:
Patrick Doe©
1234 Private Home Location
Ormond Beach [Postal Zip]
Florida Republic
This notice is binding upon every principal and agent re the subject matter set forth herein
Via United States Post Office Registered Mail Article No. RB964375XXXUS
For: INTERNAL REVENUE SERVICE, d.b.a. a Debt Collector, hereinafter “Debt Collector”
MEMPHIS, TN 37501-003

Re: Alleged Creditor: DEPARTMENT OF TREASURY

Alleged Account No.: XXX-XX-XXXX
Alleged Amount Due: $2,742.40
Subject: Offer of Performance

OFFER OF PERFORMANCE

1. This Offer of Performance is tendered in good faith as full satisfaction of the claim referenced above, with the intent
of extinguishing any alleged debt, duty, obligation, liability, and the like intended as obligating Respondent, PATRICK
DOE ©, named in the hereinabove-referenced Presentment, a copy of which is attached herewith, made fully part
hereof, and included herein by reference.
2. Concerning this Offer of Performance, hereinafter “Offer,” re alleged account XXX-XX-XXXX, Debt Collector may:
(a) Accept this Offer;
(b) Reject this Offer;
(c) Object regarding the mode of this Offer.
3. This Offer of payment of that certain sum of money that Debt Collector alleges/asserts, via Presentment, constitutes
Respondent’s debt, duty, obligation, and liability, including interest and penalties, is made dependent upon
performance by Debt Collector of Conditions Precedent concerning which Respondent/Offeror is entitled by the
fundamental principles of American Jurisprudence and law; namely, provision by Debt Collector of verification1 of the
alleged debt, accompanied by documentary evidence establishing the factual basis for Debt Collector’s claim for
payment asserted within Debt Collector’s above-referenced Presentment, i.e. validation of Debt Collector’s right for
collecting the alleged debt by providing the requisite verification, including:
(a) Copies of all agreements of assignment, negotiation, transfer of rights, and the like, and indicating whether Debt
Collector is the current owner, assignee, holder, holder in due course, etc., with evidence of Respondent’s
consent with any such agreement if a novation;
(b) All relative commercial instruments, contracts, and the like containing Respondent’s bona fide signature
(subjective theory);
(c) Any evidence of an exchange of a benefit, as well as exchange of a detriment (implied contract);
(d) Any evidence of any series of external acts giving the objective semblance of agreement (objective theory);

1. Verification. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Affidavit of truth of matter stated and object of
verification is to assure good faith in averments or statements of party. Black’s Law Dictionary, Sixth Edition.
Respondent’s Private International Administrative Remedy Demand No. PD-011003-IRS
Page 1 of 6
 (e) All other documentary evidence between Respondent and Debt Collector that Debt Collector relies upon in
making Debt Collector’s presumptive claim;
(f) Name and address of original creditor; and
(g) A certified copy of any judgment.
4. Respondent/Offeror expects a response re this Offer within a reasonable period of time of receipt of this Offer, which
is hereby set at twenty-one (21) days, not counting day of service.
5. Respondent/Offeror does not waive timeliness. If additional time is needed, however, Debt Collector must make a
request in writing before expiration of said twenty-one- (21) day period described above in paragraph “4,” setting forth
Debt Collector’s reasons for requesting such extension of time with good cause shown. Respondent/Offeror will
consider any such request for extension of time, the granting of which, however, is conditioned solely upon the
decision of Respondent/Offeror.
6. Respondent/Offeror hereby gives Debt Collector notice that, as an operation of law as codified at California Civil
Code § 1485 and California Code of Civil Procedure § 2074, respectively:
(a) An obligation is extinguished by an offer of performance, made in conformity with the rules prescribed, and with
the intent of extinguishing the obligation;
(b) An offer in writing for paying a particular sum of money, as well as for delivering a written instrument/specific
personal property, is, if not accepted, the equivalent of the actual production and tender of the
money/instrument/property.
7. In event that Debt Collector does not respond re this Offer within the prescribed time limit for response, and there has
likewise been no request for extension of time, with good cause shown therein, within said time period, then Debt
Collector tacitly agrees that Debt Collector has no bona fide, lawful, verifiable claim re this alleged account, that Debt
Collector waives any and all claims against Respondent, and that Debt Collector tacitly agrees that Debt Collector
must compensate Respondent for all costs, fees, and expenses incurred defending against any collection attempts
by Debt Collector re the above-referenced alleged account.
8. Respondent also expressly includes with this Offer of Performance, “Debt Collector Disclosure Statement,” attached
herewith, made fully part hereof, and included herein by reference, for ensuring that Debt Collector clearly and
conspicuously makes all required disclosures in writing in accordance with applicable portions of Truth in Lending
(Regulation Z) 12 CFR 226. Debt Collector Disclosure Statement must be completed by Debt Collector and received
by Respondent within twenty-one (21) days of Debt Collector’s receipt of this Offer of Performance if Debt Collector
wishes Debt Collector’s claim considered by Respondent.
9. Debt Collector also tacitly consents and agrees that Debt Collector has a duty for preventing this alleged account
from damaging Respondent in any way. Debt Collector confesses judgment and Respondent reserves the right for:
(a) Initiating a counterclaim against Debt Collector,
(b) Filing claim against the bond of any responsible party, including Debt Collector and all principals, agents, and
assignees of Debt Collector, whose acts/omissions result in tort damages against Respondent/Offeror.
10. Due process of law is guaranteed both alleged debtor and Secured Party and is codified at 18 USC §§ 1581, 242,
241, 4, at 15 USC § 1692, and elsewhere.
Dated: January 10, 2003
Signed:

Respondent/Offeror

Witness……………………………………………………..……… Witness……………………………………………………..………

Respondent’s Private International Administrative Remedy Demand No. PD-011003-IRS

Page 2 of 6
 VERIFICATION OF TENDER OF PAYMENT and
NOTICE OF RESERVATION OF RIGHT FOR INITIATING COUNTERCLAIM and
FOR FILING CLAIM AGAINST BOND
Introductory Certification
©
The Undersigned, PATRICK DOE , hereinafter “Declarant,” does herewith solemnly swear, declare, and state that:
1. Declarant can competently state the matters set forth herewith.
2. Declarant has personal knowledge of the facts stated herein.
3. Declarant has read and signed this Verification of Tender of Payment and Notice of Reservation of Right for Initiating
Counterclaim and For Filing Claim Against Bond, hereinafter “Tender and Reservation of Right.”
Plain Statement of Facts
4. This Tender and Reservation of Right is not interposed for purpose of delay.
5. This Tender and Reservation of Right does not prejudice INTERNAL REVENUE SERVICE in this matter.
6. Declarant does not join in any merits of Presentment of INTERNAL REVENUE SERVICE, d.b.a., a Debt Collector.
Verification and Certification
7. The Undersigned Declarant, PATRICK DOE ©, i.e. Declarant, does herewith swear, declare, and affirm that Declarant
executes this Tender and Reservation of Right with sincere intent, that Declarant can competently state the matters set forth
herein, that the contents are true, correct, complete, and certain, not misleading, and the truth, the whole truth, and nothing
but the truth as per the best of Declarant’s knowledge and understanding.
Further Declarant saith naught.
Dated: January 10, 2003
Signed:

_____________________________________
PATRICK DOE ©, Declarant

Witness ………………………………………………….… Witness …………….………………………………………

Respondent’s Private International Administrative Remedy Demand No. PD-011003-IRS

Page 3 of 6
 DEBT COLLECTOR INTEROGOTORIES
Re “Offer of Performance”

This statement and the answers contained herein may be used by Respondent, if necessary, in any court of competent jurisdiction.

Notice: This Debt Collector Disclosure Statement is not a substitute for, nor the equivalent of, the hereinabove-requested
verification of the record, i.e. “Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition” (Black’s Law
Dictionary, Sixth Edition, 1990), re the alleged debt, and must be completed in accordance with the Fair Debt Collection
Practices Act, 15 USC §1692g, applicable portions of Truth in Lending (Regulation Z), 12 CFR 226, and demands as cited
above in Offer of Performance. Debt Collector must make all required disclosures clearly and conspicuously in writing re the
following:
1. Name of Debt Collector: ..………………………………………………………………….……………………………………………
2. Address of Debt Collector: ………………………………………………….……………………………..……………………………
3. Name of alleged Debtor: ……………………………………………………………..…………………………………………………
4. Address of alleged Debtor: ………………….……………………………………...…………………………………………………..
5. Alleged Account Number: …………..…………...……………………………………………………………………………………...
6. Alleged debt owed: $……………………………………….……………………………………………………..……………………..
7. Date alleged debt became payable: ………...…………………………….………..……………..…..………………………………

8. Re this alleged account, what is the name and address of the alleged Original Creditor, if different from Debt Collector?
…………………………………………………………………………………..………………………………………………………….
9. Re this alleged account, if Debt Collector is different from alleged Original Creditor, does Debt Collector have a bona fide
affidavit of assignment for entering into alleged original contract between alleged Original Creditor and alleged Debtor?
YES NO
10. Did Debt Collector purchase this alleged account from the alleged Original Creditor? YES NO N/A (Not Applicable)
11. If applicable, date of purchase of this alleged account from alleged Original Creditor, and purchase amount:
Date: …………………………………………………… Amount: $……………………………………………..……………………
12. Did Debt Collector purchase this alleged account from a previous debt collector? YES NO N/A
13. If applicable, date of purchase of this alleged account from previous debt collector, and purchase amount:
Date: …………………………………………………… Amount: $……………………………………………..……………………
14. Regarding this alleged account, Debt Collector is currently the:
(a) Owner; (b) Assignee; (c) Other – explain: …………………………………………………….……….………………………....
…………………………………………………………………………………...……………………………...…………………………
15. What are the terms of the transfer of rights re this alleged account? ……………………………………….………….………...
…………………………………………………………………………………...……………………………...…………………………
16. If applicable, transfer of rights re this alleged account was executed by the following method:
(a) Assignment; (b) Negotiation; (c) Novation; (d) Other – explain:…………………….…………………...……………………...
………………………………………………………………………………………...……………………………………………………

Respondent’s Private International Administrative Remedy Demand No. PD-011003-IRS

Page 4 of 6
17. If the transfer of rights re this alleged account was by assignment, was there consideration? YES NO N/A
18. What is the nature and cause of the consideration cited in # 17 above? …………………………….……….………..…………
………………………………………………………………………………………...……………………………………………………
………………………………………………………………………………………...……………………………………………………
19. If the transfer of rights re this alleged account was by negotiation, was the alleged account taken for value?
YES NO N/A
20. What is the nature and cause of any value cited in #19 above? ………………………….………………………………………..
…………………………………………………………………………………...……………………………...…………………………
21. If the transfer of rights re this alleged account was by novation, was consent given by alleged Debtor? YES NO N/A
22. What is the nature and cause of any consent cited in # 21 above?………………...………………………………………………
…………………………………………………………………………………...……………………………...…………………………
23. Has Debt Collector provided alleged Debtor with the requisite verification of the alleged debt as required by the Fair Debt
Collection Practices Act? YES NO
24. Date said verification cited above in # 23 was provided alleged Debtor: ……………………………….………………………....
25. Was said verification cited above in # 23 in the form of a sworn or affirmed oath, affidavit, or deposition? YES NO
26. Verification cited above in # 23 was provided alleged Debtor in the form of: OATH AFFIDAVIT DEPOSTION
27. Does Debt Collector have knowledge of any claim(s)/defense(s) re this alleged account? YES NO
28. What is the nature and cause of any claim(s)/defense(s) re this alleged account? …………...……………………………..…..
29. Was alleged Debtor sold any products/services by Debt Collector? YES NO
30. What is the nature and cause of any products/services cited above in # 29? ……….……………………………………………
…………………………………………………………………………………...……………………………...…………………………
31. Does there exist a verifiable, bona fide, original commercial instrument between Debt Collector and alleged Debtor
containing alleged Debtor’s bona fide signature? YES NO
32. What is the nature and cause of any verifiable commercial instrument cited above in # 31? ….……………………………….
…………………………………………………………………………………...……………………………...…………………………
33. Does there exist verifiable evidence of an exchange of a benefit or detriment between Debt Collector and alleged Debtor?
YES NO
34. What is the nature and cause of this evidence of an exchange of a benefit or detriment as cited above in # 33?
…………………………………………………………………………………...……………………………...…………………………
35. Does any evidence exist of verifiable external act(s) giving the objective semblance of agreement between Debt Collector
and alleged Debtor? YES NO
36. What is the nature and cause of any external act(s) giving the objective semblance of agreement from #35 above?
…………………………………………………………………………………...……………………………...…………………………
37. Have any charge-offs been made by any creditor or debt collector regarding this alleged account? YES NO
38. Have any insurance claims been made by any creditor or debt collector regarding this alleged account? YES NO

Respondent’s Private International Administrative Remedy Demand No. PD-011003-IRS

Page 5 of 6
39. Have any tax write-offs been made by any creditor or debt collector regarding this alleged account? YES NO
40. Have any tax deductions been made by any creditor or debt collector regarding this alleged account? YES NO
41. Have any judgments been obtained by any creditor or debt collector regarding this alleged account? YES NO
42. At the time the alleged original contract was executed, were all parties apprised of the meaning of the terms and
conditions of said alleged original contract? YES NO
43. At the time the alleged original contract was executed, were all parties advised of the importance of consulting a licensed
legal professional before executing the alleged contract? YES NO
44. At the time the alleged original contract was executed, were all parties apprised that said alleged contract was a private
credit instrument? YES NO
Debt Collector’s failure, both intentional and otherwise, in completing/answering points “1” through “44” above and returning
this Debt Collector Disclosure Statement, as well as providing Respondent with the requisite verification validating the
hereinabove-referenced alleged debt, constitutes Debt Collector’s tacit agreement that Debt Collector has no verifiable, lawful,
bona fide claim re the hereinabove-referenced alleged account, and that Debt Collector tacitly agrees that Debt Collector
waives all claims against Respondent and indemnifies and holds Respondent harmless against any and all costs and fees
heretofore and hereafter incurred and related re any and all collection attempts involving the hereinabove-referenced alleged
account.
Declaration: The Undersigned hereby declares under penalty of perjury of the laws of this State that the statements made in
this Debt Collector Disclosure Statement are true and correct in accordance with the Undersigned’s best firsthand knowledge
and belief.

Date Printed name of Signatory

Official Title of Signatory Authorized Signature for Debt Collector

Debt Collector must timely complete and return this Debt Collector Disclosure Statement, along with all required documents
referenced in said Debt Collector Disclosure Statement. Debt Collector’s claim will not be considered if any portion of this
Debt Collector Disclosure Statement is not completed and timely returned with all required documents, which specifically
includes the requisite verification, made in accordance with law and codified in the Fair Debt Collection Practices Act at 15
USC §1692 et seq., and which states in relevant part: “A debt collector may not use any false, deceptive, or misleading
representation or means in connection with the collection of any debt,” which includes “the false representation of the
character, or legal status of any debt,” and “the threat to take any action that cannot legally be taken,” all of which are
violations of law. If Debt Collector does not respond as required by law, Debt Collector’s claim will not be considered and
Debt Collector may be liable for damages for any continued collection efforts, as well as any other injury sustained by
Respondent. Please allow thirty (30) days for processing after Respondent’s receipt of Debt Collector’s response.

Respondent’s Private International Administrative Remedy Demand No. PD-011003-IRS

Page 6 of 6
Hi Jason ,

Just wanted to drop you a follow up note to let you know that the
Response you prepared for me back in January regarding the IRS surely
must have been successful because I haven't heard another word from
them. It has certainly been much longer than the 21 days they were
given in the offer of performance and , as I stated , there has been no
contact from the IRS and no further attempt to collect anything from
me. Thanks again for your help , you're a real blessing .

Patrick
Law Offices of
Michael P. Margelefsky, LLC
709 Madison Ave., Ste. 301
419-244-4200

June 5, 2003

53543- 1
JASON WHITNEY

WOODLAND HLS, CA
Mill 111 1111111111111111111

RE: CRB REFERENCE NUMBER : 94432

AMOUNT: $155.22

TOTAL $155.22

Dear JASON WHITNEY,

Our office has received your letter regarding the above referenced account.

We have reviewed the information you have provided to us and in lieu of sending the requested
information we are closing our file on your account. All collection activity by this office will
cease.

This communication is from a debt collector. This is an attempt to collect a debt. Any
information obtained will be used for that purpose.

Sincerely,

Account Representative
Law offices of
Michael P. Margelefsky

MPM/706
Thi s i s a s uc c es s s t or y of a man named Mar k who pai d of f hi s
mor t gage us i ng t he mat er i al s i n Cr ac k i ng t he Code.
Thi s doc ument c ont ai ns a l et t er f r om t he bank t hank i ng hi m
f or hi s pay of f and ev en i nc l udes a r ef und c hec k bec aus e he
s ent t hem t oo muc h money .
10/16/01 TUE 10:38 FAX ® 004

Bankof America

Bank of America Mortgage

475 CrossPoint Parkway
PO Box 9000
Getzville, NY 14068- 9000

October 04 , 2001

Mark

Loan Number 120056

Property-

Dear Bank of America Mortgage Customer :

Please call me when you receive this letter . I am the
supervisor of the payoff area at Bank of America in the
Buffalo center . My phone number is 716 . . We need
to discuss the item that was sent for the payoff of the
above mentioned loan .
Should vou have any questions , please contact Customer Service at
Thank you .
Sincerely ,
SAMUEL

PY015 I2N

Bank of America Mortgage is a division of Bank of America, N .A.

^ RecydoO Paper
 10/16/01 TUE 10:35 FAX @001

Bank of America

SEPTEMBER 26 , 2001 Bonk of America Mortgage

475 CrossPoint Parkway
PO Box 9000
Getzville NY 14068-9000

Mark 11J7

11111 111111111111 lllll IIn n Hi lili 11 III lullit till ml lil

i i i

Loan Number 120C

Dear Valued Customer:

Congratulations! Your mortgage has been paid in full in accordance with

the terms of your mortgage agreement.
We would like to remind you of the steps involved in assuming full
ownership of the property, if applicable.
If your property taxes had previously been paid through your escrow
account, you now assume full responsibility for payment of your property
tax bills. It is necessary that you contact your tax office{s) to
verify your correct mailing address so that future property tax bills
will be sent directly to you without delay.
Bank of America Mortgage has also notified your homeowner's
insurance agent that your mortgage is paid in-full and we are no longer
responsible for payment of your annual homeowner's insurance premium
- .
Please contact your insurance agent to report the address you wish to
have future insurance premium billings sent.

Your release documents are being processed and will be mailed to your
county clerk, or appropriate party for recordation. The county will
be instructed to mail the recorded document(s) to the address above.
If the address is not your current mailing address, please contact
our Customer Service Department at the number below as soon as
aJdr

If for any reason the funds due under the note do not clear, the loan
- -
is not considered to be paid in full and the release documents will
not be mailed until we receive all funds due.

If you have any questions about the payoff of your mortgage loan, please
call our Customer Service Department at
Sincerely,

Holly M. Jarmusz
Lien Release Supervisor

Bank of America Mortgage i* a division of Bank of America, N.A.

- -
IB 173133602 2724
10/16/01 TUE 10:41 FAX @006
PO Box 9000
.
Gctzville NY 14068 9000 -
Bank of America
m- Short Year Escrow Account Disclosure Statement
Analysis Date 10/09/2001

Bank of America Mortgage

Customer Service 1.800 285.6000
TDD . 1.800 300.6407
..
000568 Loan 12005
MARK
.v
«

. .. 11 i .. ? i ..
litl il ! l lil ! > • i • I . II !111 1111 II !111.11 >111 < ill
i.: :

This statement is being provided because either your loan has been paid in full or the escrow account has been released. The chart
below itemizes the actual activity that has occurred in. your escrow account from 09/2001 through 10/2001 based on your last escrow
account statement. Previous projections of and disbursements are next to the actual activity. S 213.90 was your monthly
payments
Account History
Previous
•
>
*
'

Projected / Actual///;::
r
V
1

Payments
•
--
v;
- Disbursements Escrow
. .
.
Escrow
-
'

Month Previous Actual Previous Actual .. ' Account ; \ ’ Account;///;

^
Received . Projections Activity Projections Activity • Descript ion ; : Balance Balance

September
Octooer
$48.72
$48.72
$24.57 .
*
/ $ 148.8.7 » .
.
CUSTOMER REFUND
$243.60
$292.32
$341.04
$124.30
$148.87
.
$ 00

SSSgl sBSll/H 115 SIS • '

5
:
•

;
.

An asterisk (*) beside an amount indicates a difference from projected activity either in the amount or the date. Your Tax and Interest
Statement (IRS form 1098) for this year will be mailed to you by January 31st of next year.
On behalf of Bank of America , we appreciate the opportunity to service your loan .
; r ....
X '

. .

i - ::

•
!
- i

I•
.-.r: .. : . •, T

'

•••• !
•

: '! •

Bank of America Mortgage ii a division of Bank of America N A PlfVlCl' Tiof 'H'l,

 10/16/01 TUE 10:42 FAX ® 007

Bank of America 173 ’

’

. V
-
68 0001
0510
Bank of America,NA.-
CHECK NO. MO/DAY//R
DISBURSEMENT CLEARING IV •

Bank of America Mortgage PIF " R01 1200567012

'
019097 10 / 09 / 2001
475 CrosaPoint Parkway
•
1200567012
2
IS
GetzviUel NY 14068 v.: u

'
FOR PAYMENT OF ESCROW TO MORTGAGOR ;
'

$**** ****** 148.8?

0NE HUNDRED FORTY EIGHT AND 87 / 100 - DOLLARS
** ** TOIUTTNUTWASHCU wrmjfnsjTOtYS

i
PAY TO ; MARK AUTHORIZED SIGNATUI
THE ORDER > / •

OF
La

i q-Dqvii
- isosinoooii ? «:
^ i 2107 R 5 w

: v
" '
'

I
Bar r y L. of Tex as or i gi nal l y appr oac hed BBCOA t o hav e hi s UCC
Fi nanc i ng s t at ement pr epar ed.
Upon c ompl et i on of hi s f i l i ng he t hen c ont ac t ed our of f i c e onc e agai n
f or t he pur pos e of
t er mi nat i ng an out s t andi ng s t udent l oan debt i n t he amount of
$20, 125. 57.
Bar r y ex pl ai ned t hat he r ec ent l y r ec ei v ed a l et t er f r om t he Soc i al
Sec ur i t y Admi ni s t r at i on
i nf or mi ng hi m t hat t hey woul d be l ev y i ng $100. 00 per mont h f r om hi s
benef i t s due t o t he non
pay ment of hi s s t udent l oan. Af t er Bar r y s ent t he al l eged c r edi t or
( Van Ru Cr edi t Cor por at i on
a debt c ol l ec t or ) hi s paper wor k " Of f er of Per f or manc e / Tender of
Pay ment " t he bal anc e was
z er oed out and i n addi t i on t he phone c al l s t hat Bar r y had been
r ec ei v i ng ev er y day f or t he
l as t 17 y ear s s t opped i mmedi at el y .

Pl eas e c hec k out Bar r y ’ s hand wr i t t en l et t er f or f ur t her det ai l s .

OCT- 16-2002 01:33P FROM: TO:18187571092 P:3
' 4

Van Ru Credit Corporation

4415 S . Wcndler Dr., Ste. 200

August 22, 2002

Barry

CLIENT:
ACCOUNT:
FILE#:
BALANCE:
EDFUND
L87011171 ^7
10241710
$20,125.57
.
—
Dear Barrv

At this time Van Ru Credit Corporation, in cooperation with EDFUND, has been authorized to
-
accept one payment of $20, 125.57 on the above mentioned account. Your payment must reach
our office by 9/5/02 in order to maintain this agreement.

We have a wide variety of payment options available for you. Please call T'
2333 immediately, as we will need verification that these funds are on the way .

This communication is from a debt collector attempting to collect a debt and any information
obtained will be used for that purpose.

If you need further assistance, do not hesitate to contact us.

Sincerely , ••

Keenan '
Collections Manager
Van Ru Credit Corporation /
DEC-20-2002 05:26P FROM: TO:18187571092 P:i'l

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‘lA$um ••«*«
Tanj ar een appr oac hed UCCSG f or t he pur pos e of di s c har gi ng an
out s t andi ng uns ubs t ant i at ed
s t udent l oan debt c l ai m whi c h had been a r oc k i n her s hoe f or qui t e a
whi l e.
Tanj ar een t ender ed an Of f er of Per f or manc e ac c ompani ed by a bi l l of
ex c hange/ doc ument ar y
dr af t i n t he amount of $34, 249. 47 whi c h was t he al l eged debt c l ai med
del i nquent .
Pl eas e not e page 3 whi c h s t at es i n par t " Congr at ul at i ons ! "
Tanj ar een has had no f ur t her c ommuni c at i on f r om t he Al l eged
Cr edi t or / Lender nor t he
Debt Col l ec t i on Agenc y t hat was s endi ng her pr es ent ment s r e t he
Al l eged s t udent l oan.
 OOS - 0 0 0 3 4 5 1

FINAL NOTICE
S t d t e m e n t D a t e: 0 7 / 1 4 / 0 2

Current holder ( C r e d i t o r ) : S U N I K U S I BANK

We h e r e b y d e m a n d f u l l p a y m e n t o f y o u r l o a n( s ) . f o u r l o a n l s ) w i l l b e d e c l a r e d i n d e f a u l t
3 0 d a y s f r o m t h e d a t e o f t h i s l e t t e r . To a v o i d s e r i o u s c o n s e q u e n c e s, y o u m u s t s e n d y o u r
p a y m e n t t o d a y.

A s a r e s u l t o f y o u r c o n t i n u e d f a i l u r e t o p a y t h e r e q u i r e d m o n t h l y i n s t a l l m e n t s, t h e
o p t i o n t o a c c e l e r a t e t h e m a t u r i t y o f y o u r p r o m i s s o r y n o t e l s ) , a s p r o v i d e d b y t h e t e r m s,
i s h e r e b y e x e r c i s e d.

The e n t i r e u n p a i d b a l a n c e o f $ 34, 2 4 9 . 4 7 ( p r i n c i p a l a n d i n t e r e s t ) is herewith demanded

w i t h i n 3 0 d a y s o f t h e d a t e o f t h i s n o t i c e.

I f y o u f a i l t o c o m p l y w i t h t h i s f i n a l d e m a n d, y o u r l o a n l s ) w i l l b e d e c l a r e d i n d e f a u l t
.
a n d a s s i g n e d t o t h e a g e n c y t h a t g u a r a n t e e d y o u r l o a n( s ) f o r c o l l e c t i o n T h e a g e n c y w i l l
r e p o r t y o u r d e f a u l t t o a l l n a t i o n a l c r e d i t b u r e a u s, t h e r e b y s e v e r e l y d a m a g i n g y o u r
c r e d i t r a t i n g a n d r e s t r i c t i n g y o u r f u t u r e c r e d i t o p p o r t u n i t i e s. T h e y m a y a l s o a s s i g n
y o u r l o a n( s ) t o t h e F e d e r a l G o v e r n m e n t f o r l i t i g a t i o n.

Y o u m u s t r e s o l v e t h i s s i t u a t i o n a t o n c e. I f y o u a r e u n a b l e t o r e p a y y o u r l o a n( s ) i n f u l l
i m m e d i a t e l y, p l e a s e c o n t a c t u s t o d a y t o l l f r e e a t 1 8 0 0 - 8 3 5 - 3 4 1 1 s o we c a n h e l p y o u w o r k
out satisfactory arrangements.

I n a c c o r d a n c e w i t h t h e t e r m s o f y o u r l o a m s) , y o u r v a r i a b l e i n t e r e s t r a t e h a s c h a n g e d a s
i n d i c a t e d above which may e f f e c t your m o n t h l y payment amount.

A copy of t h i s notice has been sent to any comakers and / or co signers of t h i s loan .

DETACH HERE AND RETURN LOWER PORTION WITH YOUR PAYMENT

....
1
•••
•»»•• - — •
*
Address or Phone Number change ?
OtMP Check box and write your new address
and/ or phone number on back . Account dumber

CG 550 A 621 - 05 -
AFSA Data Corporation Payment Dua Data Pl«a«a l> ay Thl
P . O . BOX 7051 * * Amount
Make Chack

.
UTICA NY 13504 - 7051 NOW 34.249. 47 Payable to

AFSA <
!
* Include the coupon
and make sure the ! P O BOX 9001560
address appears
properly through TANJAREEN C LOUISVILLE , KY 40290-1560
the return envelope 1 in nn 1111 » 1111 111111
window. : SUNSET BLVD If 1 2 0 1
' Do not send cash CA
:
* Write account number
on your check

V 1 3 1 7 5 5 0 1L b b f i l D 5 7 ? b f l L L 3 4 8 4 4 7 V
8C 032AF ^
 Financial Aid & Scholarships
California State University 18111 Nordhoff Street, Northridge, CA 91330-8307

Northridge Phone: (818) 677-3000

FAX: ( 818) 677 -4665
www.csun.edu/finaid/

November 5 , 2002

TANJAREEN C
SUNSET BLVD # 120 "
CA

TANJAREEN C
SSN:

It has come to our attention that your Federal Stafford Student Loan payments are past due. If you have
already brought your loan( s ) current by making payments, please disregard this letter. However, if you
are having difficulty making your student loan payments, contact your lender.

Each day your loan is delinquent you become closer to losing the options available to you. The
consequences of default include the following:

Loss of monthly payment, deferment , and forbearance options

Loss of further federal and state student financial aid (grants and loans )
• Damage to your credit rating or enduring possible wage garnishment

Here are some important tips :

• Have you moved or changed your name?

Contact your lender or servicer every time your address changes. An incorrect address is one of
the leading causes of default.

• Are you looking for financial planning tools or ways to save money on your student loan ?

Check out EQFUND 'S online financial planning guide, EDWISE, at www . edwise . org. EDWISE offers
ways to save money while in school and after graduation. Additionally, it describes repayment
options, deferments, and borrower benefit programs . To learn more about the borrower benefits
you might qualify for, contact your lender or servicer.

• Are you having difficulty with your monthly payment?

There are several options available, including changing your repayment plan or temporarily
postponing repayments with a deferment or forbearance. Contact your lender or servicer for
assistance. You can also contact EDFUND at 800/298 -9490.

Our goal at CSUN is to provide the information and resources that will assist you with any questions that
you may have in regards to your student loan debt. For your benefit, we have included some important
contacts that are best suited to provide this assistance.

EDFUND ( your student loan guarantor ) www . edfund orq

National Student Loan Database www.nslds.ed.gov

California State University, Northridge

California Slate University
Northridge December 9, 2002

C
. TANJAREEN
SUNSET BLVD # 1201
CA

MARTIN T ' \ JAREENC:

SSN:

Congratulations! We recently received notification that your delinquent student loan status
resolved with your student loan servicer or lender. We want to recognize your efforts and hard
work in resolving this matter . Repaying on your student loan is an easy way to establish good
credit. By resolving this issue you have successfully avoided many potential difficulties with your
financial future.

Our goal at CSUN is to provide the information and resources that will assist you with any
questions that you may have in regards to your student loan debt. For your benefit, we have
included some important contacts that are best suited to provide this assistance.

EDFUND (your student loan guarantor) www.edfund.oro

National Student Loan Database www.nslds.ed.gov

Here are some important tips :

• Have you moved or changed your name?

Contact your lender or servicer every time your address changes. An incorrect address is
one of the leading causes of default.

• Are you looking for financial planning tools or ways to save money on your student loan?

Check out EDFUND S online financial planning guide, EDWISE, at www.edwise.org.

EDWISE offers ways to save money while in school and after graduation. Additionally, it
describes repayment options, deferments, and borrower benefit programs. To learn
more about the borrower benefits you might qualify for , contact your lender or servicer .

• Are you having difficulty with your monthly payment?

There are several options available, including changing your repayment plan or
temporarily postponing repayments with a deferment or forbearance. Contact your
lender or servicer for assistance. You can also contact EDFUND at 800/298-9490.

Congratulations again on your hard work!

California State University Northridge

 rift

: SUPERIOR COURT Of THE STATE OF CALIFORNIA ? yOR COURT USE

: NORTHWEST CISTS HOT VAN NUTS COURT
: CCSNTY OF LOS ANSELES - a

i
0SLY

PL,A r NTIFF : HikNAMDEZ, H i

VS i

I
* DEFENDANT : G0R5KA, y !
f
*t i CASE NUMBER
*i JUDGMENT FAILURE TO APPEAR 0230
i l

in Oiv/Dept 10 / '

HoiWtabla PATRICIA SOANES SCHWARTZ a COMMISSIONER Presiding *

The coni:tj. after hairing censicered the evidence, found the amount of r .- r> t < Ufi
the plointtEf(sj t o t e $ , 0 ", d assessed the statutory damagaa
- »
fpc the qnUPful detainer it S .00, and ordetflsd the fuii*wing Judgment:
It is M}detg«d t h a t on the complaint
Plaintiil! ( 3 ) r

M HERNANDEZ
TRUSTEE FOR VASTASS AVEKJE TRUST
recover tr
^ zfefentar. T s
H GOfcSKA
the restitution and p .
or those premises situated in the county of
.. i ii ori
Los Angeiefl, state at California * and more particularly described as ;
nr
•no L r,e sum oi 3
-
^ u ana *
provided by low in the Sum of $
r

.CO
, attorney Tees with casts as

JUDGMENT FOR POSSESSION IS GRANTED ISST ALL OCCUPANTS PURSUANT TO

41&.46 CCP.

ft
I
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n
I Deputy Cler :
^
C - LUTS
FILED AND ENTERED
ON 9 /02/02
COHN A. CLAftKfc
CLERK OF THE ABC V T. SAVED CO JR?
By: C, LUTZ , Deputy
 SUPERIOR COURT OF THE STATE OF CALIFORNIA TC 3 COURT USE ONLY
N0 E? 7HfcEST DISTRICT VAft NU Y5 COURT
~
T I L E D
COUNTY OF LOS ANOELEE SUPERIOR COURT
e/cz/02
PLAINTIFF :HERNANDEZ, M
VS
DEFENDANT iSCKSKA, H JOHN Ar CLARKE, CLERK

CLERK'S NOTICE OF ENTRY OF JUDC- ENT CASE KUM 3 ER

ANL NO:ICE RI EXHIBITS/ DEF05ITIORS ^ P2B
+

To the parties and their attorneys of record: YOU 5 re hereby notified that Che
*StCached copy of the judgment in the sbovn esntitled CauS'- Wdft entered on1

/02/ 02. Eutthy::, Ejintbitj*/Dtjp.isitiori3 N it Any, will be disposed of it the

ijnd of 60 dayi IJOTI expiration of appeal tirn#
*

JOHN A. CLARKE 4 Ci*xk

By : , C+ puty
CANDACE Cura
- -- -- —
to r r
* i

—— —
CLERK 1 £ CERT IFICATE OF SERVICE
'

-
l hereby certify that I Si 4 Clerk of Z r.e abovt naflid couti ar.d not
e party to this cause; that ; SQ[V« a copy of this NOTICi and a copy of cte
^
judgmentT or the below date , by placing a copy thereof in irparate enve.spois]
odd tossed to:

A WAYNE K CORSKA P K
* » R
*

ar. : by then pending s p- i.C envelope( at end dop. r>a:tin? sarr.e vith postage C^ lly
prepaid thereon , rn, the United States mail at VAN Nu ¥ S
CalLfornia , on 8/02/02 ,

Deputy Clorfc
CANDACE LUTE