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10. The undersigned affiant, being duly sworn on oath, deposes and says: That he or she understands that an exchange is not a loan. BANK hereinafter called "alleged lender" claims that they lent their money to me. Alleged lender claimed to me that the alleged lender would charge interest as compensation for lending me the alleged lender's money. 11. Financial institution's CPA audit opinions claim that financial institutions involved in issuing alleged loans or loans follow Generally Accepted Accounting Principles, GAAP. There is a dispute regarding who loaned what to whom regarding the alleged loan. The alleged lender claims that they lent me their money. The alleged lender claims that the alleged lender has loan papers with the affiant's name on it as evidence of a debt. 12. The bookkeeping entries show the opposite and that the affiant was the lender and that the alleged lender was the borrower. According to GAAP, this is what happened: The alleged tender and financial institution involved in the alleged loan never lent one cent to the affiant as adequate consideration to purchase the affiant's promissory note. 13. The affiant first became the lender to the alleged lender and the alleged lender was the borrower. According to GAAP, the bank recorded the promissory note as a bank asset offset by a bank liability. 14. The promissory note was recorded as a bank asset in exchange for credits in the affiant's transaction account or to give value to a check or similar instrument. The matching principle in GAAP requires that there be a matching liability offsetting the promissory note recorded as an asset and dial the liability shows that the bank/alleged lender owes the alleged borrower money for the promissory note that was lent to the bank or alleged lender. 15. The promissory note was deposited in a similar manner as cash is deposited into a checking account. Depositing cash or a promissory note into a checking account or a transaction account is the same or similar to loaning the alleged lender the cash or promissory note. According to GAAP, the promissory note was deposited as a bank asset offset by a bank liability with the bank liability showing that the alleged lender

owed the affiant money for the promissory note dial was received from the affiant and deposited. 16. When the bank deposited the promissory note and credited the affiant's transaction account, the alleged lender, the one who claims they own the promissory note, recorded a loan from the affiant to the alleged lender, making the affiant the lender and the alleged lender the borrower. 17. The alleged tender returned the equivalent in equal value of the loan to Your Name, the lender per GAAP. When the money was repaid to Your Name, the true lender per GAAP, the alleged lender claimed that the repaid money was a loan to a borrower named Your Name and ignored the bookkeeping entries which proved the money trail of who lent what to whom. The alleged lender claims to be the leader using a promissory note to claim they lent money to the affiant but GAAP shows that the opposite happened. 18. The alleged lender did the opposite of what the affiant Your Name, understood and believed was to happen, cresting an economic effect similar to stealing, counterfeiting and swindling against the affiant, Your Name. 19. The cost and risk of the agreement changed. If the true lender lent $100 to a borrower and the borrower repays the loan, there is equal protection under the law and agreement. There is no economic effect similar to stealing, counterfeiting and stealing and swindling. __________________________________________ Your Name


) ) ss. )

On the ______ day of _______________, 2004 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.

___________________________________________ ____________________________ Notary Public Signature Seal:

My commission expires