ADMISSIONS The Lender advertises that it makes loans. If no answer provided, the answer is: "Admit".

Admit:_____ Deny:_____ Comment:

The Lender understands the Loan agreement. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender understands who funded the Loan, and who must be repaid. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender understands the difference between an exchange, where both parties give value, and a loan, where one party gives value and the other only gives a non-negotiable promise to repay that value along with a security agreement specifying what is to be collected if Borrower defaults on Loan. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender understands that a Promissory Note has value because it represents the Borrower's future labor, which has value. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender understands that a deposit is not money, but is owing money -- an order to pay money to a depositor upon demand. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

As required for Federally insured loans, the Lender deposited the Borrower's promissory note in connection with the Lender granting the Loan to the Borrower. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Federally required call reports filed by the Lender show that the deposit of the Borrower's promissory note contributed to increasing the Lender's assets and liabilities for the related period. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender sold the Borrower's promissory note. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender used the proceeds of the sale of the Borrower's promissory note to fund the Loan from the Lender to the Borrower. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender understands and agrees that all material facts pertinent to the granting of the loan from the Lender to the Borrower are fully disclosed and contained in the written Loan agreement; that is, there are no verbal agreements for the Loan. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The written Loan agreement does not disclose the deposit of the value of the Borrower's promissory note. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The written Loan agreement does not disclose that the Borrower's promissory note would be sold. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The written Loan agreement does not disclose that the proceeds of the sale of the Borrower's promissory note would be used to fund the Loan from the Lender to the Borrower. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The party who funds a loan is damaged if the loan is not repaid. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

It is the Lender's policy to repay its customers who deposit funds with the Lender. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender's depositor accounts are, in effect, loans from the depositors to the Lender. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Loan agreement does not authorize the withdrawal of any funds deposited by the Borrower in connection with the processing of the Loan. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender has no document signed by the Borrower authorizing the withdrawal of any funds deposited by the Borrower in connection with the processing of the Loan. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender did not give adequate consideration from the Lender's Net Worth accounts to purchase the Borrower's promissory note before the Lender sold the Borrower's promissory note associated with the processing of the Loan. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender's bookkeeping entries associated with the granting of the Loan do not materially match the terms of the written Loan agreement because the loan agreement omits the deposit of the value of the Borrower's promissory note. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender agrees with the Federal Reserve Bank of Chicago publication entitled "Two Faces of Debt" which states on page 19: "A deposit created through lending is a debt that has to be paid on demand of the depositor, just the same as a debt arising from a deposit of checks or currency in the bank." If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender agrees to pay upon demand the deposit that was created by the processing of the Loan that is due upon demand to the Borrower in the approximate amount of the face value on the promissory that was deposited. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender understands and complies with Federal Reserve policies and procedures for Federally insured loans. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender understands and complies with Generally Accepted Accounting Principles (GAAP) and

Generally Accepted Auditing Standards (GAAS) as required by Federal law for processing Federally insured loans. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender agrees to return the Borrower's original promissory note associated with the Loan, or else certify and verify the Borrower's promissory note as lost and paid, once the Loan is discharged. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender agrees that if Borrower funded the Loan, then the economics of the Loan transactions are similar to stealing, counterfeiting and swindling. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender converted the Borrower's promissory note into a negotiable instrument that was securitized and included in the Lender's sales of asset-backed securities. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

Lender accepts all species of money mandated by Federal Reserve Bank. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender agrees that no title passes when a stolen negotiable instrument is sold. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender agrees that title to the mortgage follows the title to the promissory note. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender understands that a deposit is a liability. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender understands and agrees that it is material to the Loan agreement to identify who is to fund the Loan from the Lender to the Borrower. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender agrees that using the Borrower's promissory note to fund the Loan changes the cost and risk for the parties to the Loan agreement when the intent of the Loan agreement is for the Lender to fund the Loan from the Lender's own Net Worth accounts. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender agrees that according to GAAP, the net effect of all of the bookkeeping entries required for the Loan from the Lender's Net Worth accounts would be no substantial net change in the Lender's total assets. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender understands that if the Borrower includes the word "Non-Negotiable" on the promissory note, that the Lender cannot sell the promissory note. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender understands that the Loan would have to be funded from the Lender's own Net Worth accounts if the promissory note had the word "Non-Negotiable" on it. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender would not grant the loan if the word "Non-Negotiable" was on the Borrower's promissory note. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender does not loan money to Borrower at the exact same moment that the Borrower signs and gives the promissory note to Lender because that would require Lender to give the Borrower funds from the Lender's own Net Worth accounts. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

After the Lender receives the Borrower's signed promissory note, the Lender uses the time during the "Loan approval process" to convert the promissory note into a negotiable instrument by stamping it or attaching an allonge for indorsements, sells it, and then uses the proceeds of that sale to fund the check that is given to the Borrower as the Loan. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender is not willing to return the Borrower's original promissory note because if the Borrower sees that it is stamped or has an allonge attached to it, the Borrower would realize that the promissory note was used for purposes other than the Borrower intended, and that the Lender also received value from the Borrower, making the transaction an exchange of two (2) loans instead of just a single loan from the Lender to the Borrower. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender does not give the Borrower a deposit slip when the Lender deposits the Borrower's promissory note for the same reason as in item 41 above. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender understand, that if the Lender can keep getting everyone's promissory notes (labor) for free, that the Lender could eventually own everything and everyone would be the Lender's slaves due to their lack of understanding the bookkeeping entries associated with the alleged Loan transaction and the material omission from the Loan agreement of the deposit of the value of the Borrower's promissory note. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender understands the Uniform Commercial Code (UCC) and Securities Exchange Commission (SEC) regulations that prohibit the "wrongful transfer" of securities. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender understands that the Borrower's promissory note can be a negotiable instrument and monetized as a security. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender does not have personal knowledge that the Borrower's promissory note is not stolen. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender has personal knowledge that the security created from the Borrowers promissory note has been wrongfully transferred. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender has personal knowledge that promissory notes are stamped or have allonges attached for endorsements. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender understands and agrees with GAAS requirements for verifying the "representational faithfulness" of loan agreements with their material bookkeeping entries. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender understands that monetizing Borrowers' promissory notes through a process known as "credit securitization" increases the U.S. money supply. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

The Lender agrees that an agreement would be unconscionable if it allowed a Lender to steal a Borrower's promissory note, sell it, and return the proceeds of the sale back to the Borrower as a loan, which, upon default, would allow the Lender to seize the collateral for the loan, along with all interest payments and all equity to that point, and any balance due on the loan, without the Lender providing any funds or taking any risk in making the "loan". If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

Lender agrees that there should be FULL DISCLOSURE of all accounting and auditing that is material to the Loan agreement and transaction. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

Pursuant to UCC 3-104(d) and (e), the Borrower's promissory note can be "treated" as "drafts". If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

Pursuant to UCC 3-104(d) and (e), "drafts" can be deposited in much the same manner as a "check" or a "money order" can be deposited. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

In connection with UCC 3-104(d) and (e), the Loan agreement does not disclose or authorize that the Borrower's promissory note can be "treated" as a "draft", instead of just as "promise" as intended by the Borrower and as stated in the terms of the Loan agreement. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment:

In connection with UCC 3-104(d) and (e), the Borrower's promissory note was "treated" as a "draft" that was deposited and included as income to the Lender for income tax purposes. If no answer provided, the answer is: "Admit". Admit:_____ Deny:_____ Comment: LEGAL NOTICE RESPONSIBILITY DISCLAIMER UNDER U.C.C. 3-501. UNDER TITLE 42 U.S.C. 1986 FOR KNOWLEDGE OF THE LAW, VENUE AND JURISDICTION OF ALL ACTIONS/CASES RELATING TO THIS PRIVATE CONTRACT ARE UNDER COMMON LAW JURISDICTION OF THE TITLE 4 U.S.C. 1: AMERICAN FLAG OF PEACE OF THE united STATES OF AMERICA, REFERENCED UNDER PRESIDENTIAL EXECUTIVE ORDER 10834, AND UNDER ARTICLE (6) SECTION (3), OATH OF FIDUCIARY OFFICERS OF THE COURT, AND UNDER ARTICLE (IV) (4) SECTION (3), NO "state" (JUDGE) SHALL CREATE A STATE (AREA OF THE BAR), AND united STATES CODE ANNOTATED 11: NO "FOREIGN STATE" (LAW OF THE FLAG) SHALL HAVE JURISDICTION OVER A SOVEREIGN CITIZEN IN PARTY, AND ARTICLE (1) SECTION (9),AMENDMENT 13: NO TITLES OF NOBILITY (ESQUIRES) UNDER ANY FOREIGN FLAG JURISDICTION AND IN BREACH OF THE TREATY OF TITLE 28 U.S.C. 1605 "FOREIGN SOVEREIGN IMMUNITY ACT OF October 21, 1976 AND IN BREACH OF THE CONSTITUTION OF THE united STATES OF AMERICA, WILL BE ALLOWED IN THE JURISDICTION OF THE CASE. BREACH OF CONTRACT BY ANY PARTY WILL CAUSE SANCTIONS UNDER FEDERAL RULES OF CIVIL PROCEDURE RULE 16(t), WHEN THE CONSTITUTION OF THE united STATES OF AMERICA IS SURRENDERED FOR A FOREIGN STATE/POWER, AND BREACH OF CONTRACT OF OATH OR AFFIRMATION FOR THE united STATES OF AMERICA, THEN CHARGES FOR PERJURY OF OATH (TITLE 18 U.S.C. 1621), CONSTRUCTIVE TREASON, AND FALSE SWEARING WILL BE BROUGHT AGAINST THE OFFICERS OF THE COURT. THE CONSTITUTION OF THE united STATES OF AMERICA IS MADE A PART OF THIS PRIVATE CONTRACT BY REFERENCE AND IN A "REAL TIME" "PRESENT TENSE" STATE OF BEING. (the rest of this page is intentionally left blank)

AFFIDAVIT UNDER PENALTY OF PERJURY TO THE ACCURACY OF THE ADMISSIONS DOCUMENT

I, as an authorized agent of the Lender, in a clear, conscious and competent mind, understand that I am signing my name under the penalty of perjury and under oath or asseveration administered by the Notary Public named below, and I am accepting full liability, both personal and for the Lender, both civil and criminal, and that I accept all penalties of perjury if and when it is found that my responses in the attached thirteen-page Admissions document is false in any way.

Signature of Authorized Lender Agent Date Printed Full Name of above signature and title

STATE OF )

) ss. county OF )

On the __ day of ________, 200___ A.D., before me, (personally known to me, or) proved to me on the basis of satisfactory evidence to be the person whose name is subscribed to the within instrument and acknowledged to me that he or she executed the same in his or her authorized capacity and that by his or her signature on the instrument, the person or the entity upon behalf of which the person acted, signed under oath or asseveration, and accepts the truth thereof. My commission expires Notary Public Signature

Seal: